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by JupiterJones
Mon May 04, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 1352

Re: Advice on trip to Vienna

Opera was very good - but remember a suit and tie is preferred. Of course, one doesn't have to go to Vienna State Opera House to see opera. There's also the Theater an der Wien, which is arguably as important/historic of a venue (it saw the premieres of Beethoven's 5th, Die Fledermaus, and many oth...
by JupiterJones
Fri May 01, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: what deductible for HO insurance is most cost-effective?
Replies: 8
Views: 525

Re: what deductible for HO insurance is most cost-effective?

Yes, the cheapest insurance is self-insurance. Go for the highest deductible you can afford. (This is why you have an emergency fund, after all.)
by JupiterJones
Fri May 01, 2015 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 1352

Re: Advice on trip to Vienna

For a nice cheap overview of the inner city, get the free Rick Steves' audio tour of the Ringstrasse and ride the tram around. Seconded. Or you can pick up his guidebook for the area, which has the same tour in print. I'll also second: ⋅ Visit a cafe. Doesn't matter which one, really. (I ...
by JupiterJones
Fri May 01, 2015 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Too late for career change/worth it?
Replies: 39
Views: 4396

Re: Too late for career change/worth it?

Go for it! I didn't finish up my bachelor's until I was almost 40. (I also did it largely online from a state school and with zero student loan debt, so I'm totally on your page!) Also know that there are elements to "worth it" that go beyond getting a better job or more pay. Don't underes...
by JupiterJones
Thu Apr 30, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Advice with $6600
Replies: 16
Views: 819

Re: Advice with $6600

Yup. Wait on the Roth.

And I'll also second the notion of ignoring most of Dave Ramsey's advice on investing. The rest of TTMM is good stuff though. :beer
by JupiterJones
Thu Apr 30, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: How should I save for a house???
Replies: 17
Views: 1348

Re: How should I save for a house???

Also, I'm afraid that if I do lower my TSP amount, this would increase our taxable income which is somewhere near $110k I think. Anyway, that would put us in the 25% tax bracket which I don't want to be. I wouldn't worry too much about that. Moving to a higher tax bracket only affects the income th...
by JupiterJones
Thu Apr 30, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 53
Views: 3174

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

madbrain wrote:I really don't get the use case for tablets.


You must have better eyesight than me. 8-)
by JupiterJones
Thu Apr 30, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Advice with $6600
Replies: 16
Views: 819

Re: Advice with $6600

I'd maintain at least $3,000 in boring, liquid savings. That's your standard "six months of expenses" emergency fund. As for the rest, the first thing is to figure out what your financial goals are. It is important that you save money for retirement, but that may not be the only thing you ...
by JupiterJones
Wed Apr 29, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: [get music from a smartphone to an old car stereo]
Replies: 14
Views: 958

Re: [get music from a smartphone to an old car stereo]

On the off chance that either of the CD players in your car can read MP3 files off of CDs, you could go that route.

You're still burning CDs, but you could fit about 10x more music on each one.
by JupiterJones
Wed Apr 29, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 3885

Re: What do you tip a valet?

At some point I realized that, if someone offered me $5 to park a few blocks away and walk to the restaurant that had free parking, I'd probably take them up on it. By not using a valet, and therefore not tipping five bucks, that's essentially what's going on. I'm five bucks ahead and get a nice wal...
by JupiterJones
Wed Apr 29, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: old ways can still be the best ways [percolator]
Replies: 32
Views: 2551

Re: old ways can still be the best ways

We got a percolator for our wedding. Worked fine for a while and made good coffee. Eventually the thermostat went out. I replaced it. When it went out again, I just gave up and bought a cheap drip machine.

I drink my coffee black most of the time, so the temperature is plenty hot for me either way.
by JupiterJones
Tue Apr 28, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 5724

Re: Been invited to wedding in Disney World. My cost?

TradingPlaces wrote:Points are for that Transatlantic or Transpacific Business Class seat.


That's what I keep telling Southwest!

But they still refuse to let me use my Rapid Rewards points to fly to Europe.

:D
by JupiterJones
Tue Apr 28, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Traveling light up to 2 weeks - ditch the laptop, use phone?
Replies: 53
Views: 3174

Re: Traveling light up to 2 weeks - ditch the laptop, use ph

I just take my smartphone these days. It's a Galaxy 4, so the screen is plenty big. If I need full-sized screen and keyboard, usually the hotel will have a business center or something. I don't bring a "fast charger", but I do bring an adapter to charge the phone in the rental car. Traveli...
by JupiterJones
Mon Apr 27, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 5724

Re: Been invited to wedding in Disney World. My cost?

Technically, all weddings are destination weddings. It's just that some destinations are farther away than others. :D Anyway, when people plan a wedding at a place like Disney or whatever, they know that not everyone will be able to go. That's part of it. It is not a demand that you spend a bunch of...
by JupiterJones
Fri Apr 24, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 2887

Re: Who still have Cable TV?

Who still have Cable TV? $100 bucks a month. What a waste. *sigh* Whether it's about cable, or Macs, or Rolexen, or luxury cars, these sorts of judgmental threads all miss one very important point: There's nothing wrong with paying money for something from which you legitimately derive commensurate...
by JupiterJones
Fri Apr 24, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 5118

Re: Best (Available)Red Wine for under $15 preferrably under

I'll give another vote for Columbia Crest . They actually have different points-of-entry, depending on how much you want to pay. "Two Vines" is their budget label, "Grand Estates" is a step up from there, and so on. All are good values for the price. Although "best" is ...
by JupiterJones
Fri Apr 24, 2015 8:33 am
Forum: Investing - Theory, News & General
Topic: What is a Boglehead?
Replies: 55
Views: 2823

Re: What is a Boglehead?

timboktoo wrote:Follows Bogle's methods


Well I can't top that one.

I mean, we all have our ideas of the "typical" Boglehead. But in the end, as the top of this website says, it's merely someone who follows to some degree "Investing Advice Inspired by Jack Bogle"
by JupiterJones
Thu Apr 23, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Cocktail Hobby
Replies: 11
Views: 1832

Re: Cocktail Hobby

I mainly stick with the classic standards and don't get to "mixologist" about it. So my bitters collection mostly has the usual suspects: Angostura, Peychaud's, Regan's Orange. Although I do have some Woodford Reserve Cherry Bitters and some very limited-edition vanilla-chicory bitters fro...
by JupiterJones
Wed Apr 22, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 28
Views: 1295

Re: Visiting Nashville during the summer

Thank you! The symphony has an interesting program scheduled during our visit and I was thinking of getting some "booglehead" IOW cheap seats for the performance. Worth the experience? If it's a program you're interested in, and if you're not likely to get a similar experience back home, ...
by JupiterJones
Wed Apr 22, 2015 9:51 am
Forum: Investing - Theory, News & General
Topic: Retirement calculator source code
Replies: 2
Views: 501

Re: Retirement calculator source code

Thanks for making this publicly available!

:sharebeer
by JupiterJones
Wed Apr 22, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 28
Views: 1295

Re: Visiting Nashville during the summer

History and Art: ⋅ The Hermitage ⋅ Belmont Mansion ⋅ Cheekwood ⋅ Belle Meade Mansion ⋅ Traveler's Rest ⋅ TN State Museum ⋅ The Frist Center (check out the architecture tour) ⋅ Civil War sites are everywhere ! Other Fun S...
by JupiterJones
Wed Apr 22, 2015 9:18 am
Forum: Investing - Help with Personal Investments
Topic: 26 year old asking advise on the next steps to take
Replies: 15
Views: 1179

Re: 26 year old asking advise on the next steps to take

BL wrote:Single funds have too much risk. Sometimes the sure thing doesn't survive. Check out Enron, World com, etc.


Agreed. The benefit of diversification is one of the few "free lunches" out there. One should not fail to take advantage of it.
by JupiterJones
Wed Apr 22, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 1750

Re: European Cruises

Viking has a Barcelona-to-Rome itinerary (and the other way around) that might be the ticket for you. You can either end in Rome, staying as long as you like and flying out from there, or start in Rome, flying in as early as you want. Each "direction" stops at different other cities along ...
by JupiterJones
Wed Apr 22, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: Neighbor is hoarder, piling garbage outside, collecting vans
Replies: 32
Views: 4765

Re: Neighbor is hoarder, piling garbage outside, collecting

I've been in the same situation. The codes department is what I did. It helped a little. I'm sure your area has ordinances against parking vehicles in yards, letting grass grow above a certain length, having certain parts of the house be in disrepair, that sort of thing. Take some time to study up o...
by JupiterJones
Thu Apr 16, 2015 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford [a masters degree]?
Replies: 38
Views: 2703

Re: Can we afford [a masters degree]?

I believe you can actually take the Coursera courses for free. You just don't get a credential that way (nor do you get to do the capstone, I think). If the aim is simply to see if she likes that field of work, then go the free route. (I'm not so sure how much extra value the verified certificate ha...
by JupiterJones
Wed Apr 15, 2015 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest your house down payment?
Replies: 22
Views: 1878

Re: Would you invest your house down payment?

Grt2bOutdoors wrote:Monies needed in 5 years or less belong in an FDIC insured savings account.


That's the rule of thumb I always go by.

I forget where I first read it, but another way to put it is: Putting money in stocks for less than five years isn't investing--it's speculating.
by JupiterJones
Tue Apr 14, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: I... must... stop... Spending!
Replies: 25
Views: 3793

Re: I... must... stop... Spending!

Plan: I'm going to save by establishing various 'funds': My car fund, wife's car fund, fun stuff fund etc. That's what we do. We have a spreadsheet with two tables on it: The first table shows our non-retirement savings in all the various actual accounts. That gets totaled at the bottom. The second...
by JupiterJones
Fri Mar 27, 2015 10:40 am
Forum: Personal Consumer Issues
Topic: Is Apple Training good?
Replies: 7
Views: 579

Re: Is Apple Training good?

Not sure how it works, but do you have to buy the computer and the training at the same time?

Because if not, I'd advise getting the Mac first and playing around with it. You may find that you don't need any training.
by JupiterJones
Thu Mar 26, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Completely new early twenty something needs help!
Replies: 37
Views: 2131

Re: COMPLETELY new early twenty something needs help1

I have absolutely no idea where to begin. My advice, for what it's worth, it to begin here: ⋅ Save up a basic "emergency fund" if you don't have one already. This is a cushion of money, put somewhere boring and safe (bank savings account, for example), that will cover, say, thre...
by JupiterJones
Thu Mar 26, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5424

Re: Building a new house. Any recommendations?

If this is your "retire and grow old house", or if you intend to one day sell to a market who might want it for that purpose, then put the master bedroom on the ground floor.
by JupiterJones
Wed Mar 25, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park my short term savings
Replies: 4
Views: 571

Re: Where to park my short term savings

I-bonds were my first thought too.
by JupiterJones
Wed Mar 18, 2015 3:52 pm
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 6863

Re: A great shave at a great price

I recently decided to stop shaving. At 5 minutes a day, that's 30.4 hours a year. I have better things to do with that time. I will also save money. Sure, at first . But that beard will start getting longer and longer, until suddenly... you're a hipster. Then you'll have to spend all your time and ...
by JupiterJones
Wed Mar 18, 2015 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Large Loan Debt, Need some advice
Replies: 24
Views: 1853

Re: Large Loan Debt, Need some advice

Basically, her grandparents are rather well off and when they eventually pass away, there is money earmarked to pay this debt off in a lump sum. With this being the case, does it make sense for her to aggressively make payments towards the loan... Short answer: Yes Long answer: "Eventually&quo...
by JupiterJones
Mon Mar 16, 2015 5:04 pm
Forum: Investing - Theory, News & General
Topic: Poll: When to pay down debt rather than invest
Replies: 49
Views: 4068

Re: Poll: When to pay down debt rather than invest

I think we would all forgo paying down debt if FDIC insured accounts were paying more interest than the lender charged. I wouldn't. Debt payments restrict cash flow and are just one more thing to worry about. There would have to be a heck of an upside to make it worth the trouble for me, and there ...
by JupiterJones
Mon Mar 16, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 149
Views: 13102

Re: John Bogle's Don't Peek Challenge

I'm in the camp that says look all you want... as long as you understand the nature of the short-term fluctuations and don't panic (or rejoice) about them.

I'm same way with my bathroom scale, by the way.
by JupiterJones
Mon Mar 16, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: My Greatest Weakness.
Replies: 37
Views: 5892

Re: My Greatest Weakness.

I can't stand looking stupid and that is stunting my personal progress. You might want to take this quick, 16-question quiz: http://mindsetonline.com/testyourmindset/step1.php A bit repetitive, but I think you'll find it rewarding. Ignore the ad for the book at the end. You can learn about "fi...
by JupiterJones
Mon Mar 16, 2015 10:17 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 379
Views: 25201

Re: Will you buy an Apple Watch?

boroc7 wrote:their inspiration for designing the watch from the ground up came from this very Nano.


Which was, IMNSHO, the best iPod they ever put out. Too bad they stopped making that form factor. :(
by JupiterJones
Fri Mar 13, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Home? Student Loan? Investment? HELP!
Replies: 3
Views: 391

Re: Home? Student Loan? Investment? HELP!

I know that best practice is to pay off consumer debt (CC, LOC, loan) before investing but if that takes many years to do and I'm not saving/investing during the same time, I will lose those years of compounding interest. Yup. You sure will. But them's the breaks. That's one of the prices you pay w...
by JupiterJones
Fri Mar 13, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 379
Views: 25201

Re: Will you buy an Apple Watch?

pretty much everything they do is proprietary right down to the screws and screwdrivers used with their product. So if you buy an iMac and something goes wrong with it you can't even attempt to fix it yourself. No, you have to bring it into an official Apple store, be condescended to buy an Apple &...
by JupiterJones
Thu Mar 12, 2015 4:45 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 379
Views: 25201

Re: Will you buy an Apple Watch?

Image
by JupiterJones
Wed Mar 11, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 379
Views: 25201

Re: Will you buy an Apple Watch?

The "I don't need/wear a watch" people are missing the point. I have a device in my pocket called a smart "phone", but I rarely actually use it as a phone. Probably 99% of the time it's portable, internet-enabled, touchscreen computer. The voice capability could be removed with t...
by JupiterJones
Wed Mar 11, 2015 10:37 am
Forum: Investing - Help with Personal Investments
Topic: When does market timing make sense?
Replies: 34
Views: 1562

Re: When does market timing make sense?

"When does market timing make sense?" When you know exactly what the market will do in the future and exactly when it will do it. But since that's something you never really know--despite how much you might feel like you "know"--it follows that market timing never makes rational ...
by JupiterJones
Tue Mar 10, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 379
Views: 25201

Re: Will you buy an Apple Watch?

I don't see the point when my iPhone is in my pocket. A total waste IMHO. I can imagine a similar conversation occurring 100 years ago... 1915-era Gentleman #1: I say there good sir! Are you going to buy one of these so-called "wrist-watches"? 1915-era Gentleman #2: I fail to see the poin...
by JupiterJones
Tue Mar 10, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: College readiness
Replies: 27
Views: 1906

Re: College readiness

Bear in mind that, by the time he graduates college, there may very well be technologies and careers related to those technologies that don't even exist today ! So don't get too specific on the poor kid. Curiosity combined with the ability to beat your head against a problem until you solve it--enjo...
by JupiterJones
Tue Mar 10, 2015 11:40 am
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 5063

Re: Fly or drive?

Podcasts are great for road trips. I went through lots of planet money, car talk, america's test kitchen, Fresh Air and This American Life. And a great opportunity to catch up on Serial if you haven't already! My wife and I are fans of The Learning Company's "Great Courses" for long road ...
by JupiterJones
Mon Mar 09, 2015 5:05 pm
Forum: Personal Consumer Issues
Topic: Fly or drive?
Replies: 84
Views: 5063

Re: Fly or drive?

I don't use the IRS per mile when calculating my true costs to own and drive my personal car. Nor I. For a trip like this I would,.. ⋅ Plug in my car's stats into kbb.com and get the blue book value. ⋅ Then I'd redo the calculation but with the trip mileage added and see what th...
by JupiterJones
Mon Mar 09, 2015 12:49 pm
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 3214

Re: Baby Grand Piano

rwm wrote:http://www.pianobuyer.com/pianobook.html


Seconded. That is a must-read. (Also available on Amazon for slightly less.)
by JupiterJones
Mon Mar 09, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 31
Views: 2419

Re: Best Classical Music Box Sets?

If you're fine with digital downloads (rather than a physical CD), and if you're not married to name-brand conductors and orchestras, check out The Bach Guild. http://www.thebachguild.com/ Tons and tons of classical music for dirt cheap. There are lots of similar companies doing this on Amazon (&quo...
by JupiterJones
Fri Mar 06, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: My first $100K!
Replies: 17
Views: 2168

Re: My first $100K!

Nice job! You should be proud.

Keep up the good work!

:beer

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