Search found 722 matches

by Crimsontide
Tue May 24, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Ally bank as their only bank?
Replies: 34
Views: 13801

Re: Anyone use Ally bank as their only bank?

Yep, Ally has been our only bank for the past 3 years or so, I'm very satisfied customer.
by Crimsontide
Mon May 23, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 10447

Re: What was your first investment?

My parents gave me 200 shares of their employer's company stock. "Hold on to those shares" they told me, "they'll be worth some serious money one day" they said. I sold those shares to help with the down payment on our first house. Sold the house a few years later for a small gai...
by Crimsontide
Mon May 23, 2016 11:40 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 8211

Re: Amazon has no head to head competitors?

I love the Amazon business model. We are Prime subscribers and couldn't be happier with the service. I absolutely hate to going from store to store searching for a particular item only to find it out of stock or the box has been opened or for some reason I need to return it and then have to deal wit...
by Crimsontide
Fri May 20, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 2638

Re: Food waste because of date labeling

I am very sensitive to the expiration date for items like milk, meat, and produce but I have some Planters Dry Roasted Unsalted Peanuts (stocked up when they were 2 for price of one) more than a year past the expiration date and they taste great. The tops are sealed and once I break the seal I eat ...
by Crimsontide
Fri May 20, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 7530

Re: The 10 Best States to Grow Old in

Here's the states where folks over 60 are actually moving to, most are warmer spots of course :happy
http://www.marketwatch.com/story/heres- ... 2016-05-20
by Crimsontide
Thu May 19, 2016 6:28 am
Forum: Personal Finance (Not Investing)
Topic: 27 y/o, need some career advice
Replies: 45
Views: 4473

Re: 27 y/o, need some career advice

1) You think you can work 60 hours a week. Do you know you can get away with charging 20 hours O/T each week or will that cash cow end pretty quick by the company? 2) The temp job is 1 year. What next? Right now you are gainfully employed. Leave this job and go for the temp work is a fantastic one ...
by Crimsontide
Tue May 17, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6429
Views: 1438501

Re: What Movie Have You Recently Watched?

Tried to watch Noah on Amazon Prime last night but the first 20 minutes were absolutely dreadful. I just turned it off, horrible movie.
by Crimsontide
Fri May 13, 2016 8:30 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 21426

Re: Jim Cramer doesn’t beat the market

Just my opinion, I can't stand the guy and watched with glee as Jon Stewart took him apart back in 2009.
by Crimsontide
Fri May 13, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: How much do you give your church for your membership?
Replies: 57
Views: 15229

Re: How much do you give your church for your membership?

jucor wrote:None. IMHO, no legitimate religion requires payment for membership, although giving is strongly encouraged.
Agreed, never heard of a membership fee for a church. We give our tithe when we get the urge...
by Crimsontide
Tue May 10, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 21634

Re: 30 minute commute?

My commute used to be only 30 minutes but with the phenomal growth of the metromess it's now closer to an hour and can be up to 2 or 2.5, you just never know. Even back when it averaged 30 minutes it could be very stressful racing to daycare or school to pick up a sick kid. Also the week of icy weat...
by Crimsontide
Sat May 07, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Has your workplace transitioned to "open/collaborative space?"
Replies: 85
Views: 11471

Re: Has your workplace transitioned to "open/collaborative space?"

Yep, we moved to the "modern office" about 4 years ago. It has been absolutely dreadful for introverts like me. I've made a deal with my boss that allows me to work from home a couple of days a week to cope with the added stress of the "modern office".
by Crimsontide
Fri May 06, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 29515

Re: how much cash do you carry in your wallet?

Usually no more than $20.
by Crimsontide
Thu May 05, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 10275

Re: Do you check credit card statements?

Yes, absolutely. Also with Capital One Quicksliver I found they do an awesome job of looking out for me anyway. I ordered pizza from a national chain a few weeks ago and the cashier had mistakenly added a $20 tip to the bill (the pie was only $15 and I had tipped the delivery guy in cash) so they se...
by Crimsontide
Tue May 03, 2016 9:20 am
Forum: Personal Investments
Topic: Revisiting “Could I retire…. next week?” two years later
Replies: 12
Views: 4111

Re: Revisiting “Could I retire…. next week?” two years later

On the move to Texas - if you do buy a house in Plano prepare for the sticker shock on the property taxes and insurance. Just got my tax notice for 2016, yikes!!!
by Crimsontide
Mon May 02, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 8686

Re: Couples: Are you and your significant other on the same page financially?

We are for sure. Didn't start off that way but we have both adjusted our spending/frugality levels over the years to allow us to remain together comfortably and meet all our saving/investing and lifestyle goals.
by Crimsontide
Thu Apr 28, 2016 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 7867

Re: Young Male Living with Parents

Yep, your parents have done an awesome job raising an awesome young man. Time to pay them back by moving out and showing them how well you can stand on your own two feet.
by Crimsontide
Thu Apr 28, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Atlanta in August -- worth it?
Replies: 51
Views: 4829

Re: Atlanta in August -- worth it?

They have air conditioning you know...
by Crimsontide
Thu Apr 28, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Should a 60 yr old buy her first house?
Replies: 27
Views: 3543

Re: Should a 60 yr old buy her first house?

If you never owned a home, I would not buy at the age of 60. The learning curve of owning a home is very steep and expensive. Too many things could go wrong at the house. It took me many years to build up a list of trusted plumber, gardener, Umbrella insurer, home owner insurer, HomeDepot location,...
by Crimsontide
Thu Apr 28, 2016 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Goldman Sachs is now offering CDs!
Replies: 12
Views: 3486

Re: Goldman Sachs is now offering CDs!

They already had brokered CDs, frequently at competitive rates. After buying up GE Capital's retail banking, now they offer the usual savings accounts, direct bank CDs, and the like (but not checking accounts yet). But CDs in general are not new for them. I love my GS brokered CDs. Frequently had t...
by Crimsontide
Wed Apr 27, 2016 8:31 pm
Forum: Personal Consumer Issues
Topic: Best auto/home insurance?
Replies: 13
Views: 1931

Re: Best auto/home insurance?

Just made the switch from State Farm to Geico, saved 49% on the auto insurance and 30% on the homeowners policy. I'm still basking in the afterglow :happy
by Crimsontide
Wed Apr 27, 2016 7:10 pm
Forum: Personal Consumer Issues
Topic: Buy used or new? Which of these small SUVs are best for families?
Replies: 39
Views: 8031

Re: Buy used or new? Which of these small SUVs are best for families?

We have a CX-5, but it's just the wife and me. No way this thing is big enough for long trips with a couple of kids in tow. As a matter of fact the previous owners had a couple of kids and sold it to us because it wasn't big enough...
by Crimsontide
Sun Apr 24, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Layoff before an acquisition
Replies: 12
Views: 2714

Re: Layoff before an acquisition

In the US? Of course...
by Crimsontide
Sun Apr 24, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 9261

Re: How many "subscriptions" do you have?

Amazon Prime
Direct TV
Suddenlink Internet
No landline and free mobiles through work :happy
by Crimsontide
Thu Apr 21, 2016 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Re: Progressive or Geico?

Done deal, signed up with Geico today. In the end we are saving 49% versus State Farm, with improved coverage. Unbelievable...
by Crimsontide
Wed Apr 20, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Re: Progressive or Geico?

Taylor Larimore wrote:Crimsontide:

For many years we had our automobile insurance with State Farm--They raised their rates. I switched to GEICO. The premium is about half. :happy

Best wishes.
Taylor
Thank you Taylor. Great minds think alike :happy
by Crimsontide
Wed Apr 20, 2016 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Re: Progressive or Geico?

Quick update: Just heard back from State Farm, "sorry, there is nothing we can do".
by Crimsontide
Wed Apr 20, 2016 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Re: Progressive or Geico?

Interesting. Been with SF for many years. Last shopped for auto, home and umbrella 18 months ago. Contacted 3 agents and got quotes for several companies. None came close to SF. It seemed we were getting discounts for long term customers, no claims, no accidents and so forth. It all depends on your...
by Crimsontide
Mon Apr 18, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 12236

Re: How To Stay Motivated in Employment When You Might Have Enough?

This is a question I have been pondering for the past couple of years. I have lost a significant amount of motivation due to DWs health issues weighing on me, as well as a toxic environment at work created by never ending merger/acquisition issues (seems every year we are buying or being bought). I'...
by Crimsontide
Mon Apr 18, 2016 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Re: Progressive or Geico?

Quick update. My SF agent replied to my email and spreadsheet with a quick propaganda bomb trashing both Progressive and Geico (no mention of possibly lowering my rates though) I think he must have it preloaded based on the companies that his clients are considering switching to. I'll bet this happe...
by Crimsontide
Mon Apr 18, 2016 8:38 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 11153

Re: How Did You File Your Income Taxes for 2015?

Tax Act for the last 3 years. Love it.
by Crimsontide
Mon Apr 18, 2016 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Re: Progressive or Geico?

With my Nationwide renewal at end of this month, I decided to shop and went with the same coverage at GEICO. It came in at 41% of the Nationwide price. I was with Nationwide for 30+ years and think that companies do not reward customer loyalty. Rather they assume customer inertia and will raise pre...
by Crimsontide
Mon Apr 18, 2016 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 9453

Progressive or Geico?

Progressive or Geico? OK, nothing like a rainy weekend to get you thinking about your auto insurance rates :happy I spent some time yesterday getting quotes from online insurers to see how our current coverage with State Farm stacks up. What I found was shocking. The quote I received from Progressiv...
by Crimsontide
Sun Apr 17, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Refund (Where Did It Go)
Replies: 21
Views: 2339

Re: Tax Refund (Where Did It Go)

It went towards our homeowner's insurance premium. In one hand and out the other :(
by Crimsontide
Fri Apr 15, 2016 8:25 pm
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 15101

Re: What are Pros and Cons to the "Four Hour Workweek?"

Well, you could have went to dinner with a friend with Stage 4 Pancreatic Cancer, and you would have come away with feeling very lucky and asking yourself similar questions. Life is a Card Game and you play the hand you are dealt. You may be dealt Talent, Looks, Smarts and basically cannot lose unl...
by Crimsontide
Fri Apr 15, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 7748

Re: If wall street is rigged and corrupt , why invest in it?

I don't personally think the 2008 crash was primarily caused by corruption. I think it was caused by blind faith in the axiom that real-estate never declines year over year in the US, and financial instruments built and priced around that faith. Well that and the usual culprit: Greed. Tulips, oil, ...
by Crimsontide
Fri Apr 15, 2016 9:33 am
Forum: Personal Investments
Topic: Alcatel Lucent merger
Replies: 5
Views: 2131

Re: Alcatel Lucent merger

One minor point, this is not a merger, this is an acquisition. Actually a major point from where I'm sitting :happy
by Crimsontide
Thu Apr 14, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 8996

Re: My neighborhood is too quiet (and no kids)

uncaD wrote:As someone who has lived in dense urban areas for the past 17 years, this sounds like heaven.
+1, sounds like my neighborhood minus the yappy dogs and non-stop ATV riding preteen next door. He'll move on to girls and fast cars in a few years so it should quiet down then. :happy
by Crimsontide
Wed Apr 13, 2016 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How do you find more satisfaction while living below your means?
Replies: 52
Views: 6446

Re: How do you find more satisfaction while living below your means?

SQRT wrote:I agree that material things alone probably won't make you happy. However, they probably won't make you unhappy either, assuming you can afford them.
Have to disagree on this one, especially if those things are boats or BMWs. Two best days and all :happy
by Crimsontide
Thu Apr 07, 2016 8:21 pm
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 4255

Re: Retirement

Never met anyone like that ever...
by Crimsontide
Thu Apr 07, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: If you could retire anywhere, regardless of healthcare, etc.
Replies: 118
Views: 16106

Re: If you could retire anywhere, regardless of healthcare, etc.

HomerJ wrote:
I can never go back to looking at my neighbor's backyard or an office building across the street again.
+1 I think the folks mentioning Manhattan are pulling our legs :P
by Crimsontide
Wed Apr 06, 2016 6:54 am
Forum: Investing - Theory, News & General
Topic: Does anyone invest in websites?
Replies: 39
Views: 5281

Re: Does anyone invest in websites?

I've thought about it, but as with everything else "if it sounds too good to be true, it probably is". And as with everything else, if I'm privy to it, you can bet the easy money is long gone :(
by Crimsontide
Tue Apr 05, 2016 5:20 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 10220

Re: Baby Boomers Doubling in next 20 yrs predictions ?

chickadee wrote:Maybe the OP meant number of Baby Boomers -retiring- doubling in next 20 years? Just a guess.
Or dying and facilitating the largest transfer of wealth in human history...
by Crimsontide
Fri Apr 01, 2016 7:33 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 28864

Re: Tesla Model 3 anyone?

Ok, so this is starting to get interesting now. Until the Model 3 was announced I had completely ruled out the electric car as an alternative for me. Big question for me is, what caveats should be considered when reading the published 215 miles range? What can one really expect to see range-wise, is...
by Crimsontide
Thu Mar 31, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 10276

Re: Do you pay for yardwork?

No. We live on two acres and I enjoy keeping it all up myself. I don't really have the option of hiring this out as it would be terribly expensive for a lot this size. It takes me about 2.5 hours to complete the mowing and weed-eating (my neighbor does his in half the time, but then again his Zero T...
by Crimsontide
Thu Mar 31, 2016 7:57 am
Forum: Personal Consumer Issues
Topic: Black formal shoes with sneaker like support
Replies: 56
Views: 12286

Re: Black formal shoes with sneaker like support

I have Eccos and Clarks. The Eccos are the always the go to shoes for me...
by Crimsontide
Thu Mar 31, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 14411

Re: What is your current Cash to Investment ratio?

I'm currently sitting at 10%. A little high, I know. This happens to be one of the KPI that I track in my spreadsheet and it is currently RED.
by Crimsontide
Tue Mar 29, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals
Replies: 38
Views: 4714

Re: Clothing budget for DVM's, MD's, and other kinds of Medical Professionals

All the Vets that I've taken my critters to over the years all wore boot and jeans. I do live in a semi-rural area of Texas though...

More specifically, Wranglers and Ropers :happy
by Crimsontide
Tue Mar 29, 2016 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Cheaper to trade-in for new truck !?! Is there a free lunch here?
Replies: 23
Views: 2974

Re: Cheaper to trade-in for new truck !?! Is there a free lunch here?

No, no free lunch here or anywhere else for that matter. He is stuck in the "I'll always have a car payment" mindset and only looking at the monthly payment regardless of the terms, including down payment/equity. Big mistake and big rut to get caught in. Probably one of the biggest financi...
by Crimsontide
Fri Mar 25, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: What passive things you do beside investing??
Replies: 44
Views: 5895

Re: What passive things you do beside investing??

LiveSimple wrote:Buy the same eye glass frame, over and over.
This is me. I always say it's going to be different this time, I'm going to try a new style and change my look, but noooo, same ol' same every time :oops:
by Crimsontide
Fri Mar 25, 2016 8:53 am
Forum: Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 12646

Re: Best & Worst Financial Decisions?

Visiting A.G. Edwards about 6 months before the tech wreck :oops: Tuition to the School of Hard Knocks for sure...