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by JupiterJones
Wed May 20, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 28
Views: 1847

Re: Las Vegas visit ( first time)

Foodwise, Lotus of Siam is not-to-be-missed, especially if you already have a rental car. Quoting myself to add that Opinionated About Dining listed their top 200 restaurants in the US. Lotus of Siam came in at #104 (just beating out New York's famed Nobu!). Excerpt from their write-up: This restau...
by JupiterJones
Wed May 20, 2015 9:17 am
Forum: Investing - Help with Personal Investments
Topic: On a Scale of 1 - 10.. [Portfolio evaluation]
Replies: 34
Views: 2262

Re: On a Scale of 1 - 10.. [Portfolio evaluation]

Only two things to add to the conversation: You don't mention how much that mortgage is compared to your home's value. Do you have at least 20% equity and are avoiding PMI? What other financial goals do you have, and how are you saving for those? Do you have a "sinking fund" to replace you...
by JupiterJones
Wed May 20, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Need Budgeting Help ASAP!
Replies: 42
Views: 1927

Re: Need Budgeting Help ASAP!

a $295 car lease (to get to a second job) So the car is necessary in order to have your second job? And if you didn't have the second job, you wouldn't need the car? If so, I might seriously rethink that second job. When you figure in the lease, the gas, tolls, insurance, and parking (Is that inclu...
by JupiterJones
Wed May 20, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Building a guest house
Replies: 13
Views: 936

Re: Building a guest house

Our cousin approached us last year with a guest house on our property. [...] What do you think about this plan? Personally, I would avoid being a landlord to a relative. And even if this wasn't your cousin, there are potential problems. What if turns out to be a terrible tenant and you have to boot...
by JupiterJones
Wed May 20, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: How should drivers react to bicycle riders on one lane roads?
Replies: 68
Views: 2647

Re: How should drivers react to bicycle riders on one lane roads?

Jack FFR1846 wrote:Do NOT blow the horn. You can easily startle the cyclist.


I've always felt that cars should come with two different horns. One regular horn that means "HEY! LOOK OUT!", and another, quieter/gentler horn that's the equivalent of a polite "ahem".
by JupiterJones
Tue May 19, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 28
Views: 1847

Re: Las Vegas visit ( first time)

If you can make an afternoon show, I highly recommend Mac King at Harrah's. You can usually find discounted (as in $9.95... with a drink!) tickets--check the concierge or the player's club booth. In a pinch ask at the box office where the discount passes are being handed out. Foodwise, Lotus of Siam...
by JupiterJones
Thu May 14, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Starbucks Smartphone App Being Hacked
Replies: 6
Views: 567

Re: Starbucks Smartphone App Being Hacked

Anyone who links their credit cards or bank account to a starbucks app deserves to get money taken from them. Really? Because, as you'll note in my above post, I didn't actually have any money taken from me in the end. Now I feel bad that I didn't keep up my end of the deal. :( Where should I send ...
by JupiterJones
Thu May 14, 2015 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Conundrum: Can do my own books but banks require CPA statement
Replies: 23
Views: 1509

Re: Conundrum: Can do my own books but banks require CPA statement

Are there other banks you could go to that might not have the same requirement. Or is this a universal thing?
by JupiterJones
Thu May 14, 2015 1:15 pm
Forum: Investing - Theory, News & General
Topic: Poll: Average E/R [Expense Ratio]
Replies: 49
Views: 3075

Re: Poll: Average E/R [Expense Ratio]

What if your ER is exactly 0.10% or 0.15%, etc.? You have two possible answers to choose in that case.
by JupiterJones
Thu May 14, 2015 1:07 pm
Forum: Personal Consumer Issues
Topic: Starbucks Smartphone App Being Hacked
Replies: 6
Views: 567

Re: Starbucks Smartphone App Being Hacked

That happened to me about a year or so ago. Somehow they got into my Starbucks account (not sure if it was from "hacking" the app or my account on the Sbux website), transferred $100 from my credit card (which was linked to the account), bought a gift card, then transferred that gift card ...
by JupiterJones
Thu May 14, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door
Replies: 74
Views: 14289

Re: Millionaire Next Door

The average plumber makes like 23/hr. Not bad but it isn't great. Yes they bill out at 75+ but the gap between billing and take home can be huge. And what happens when all those jobs get outsourced? Some of those people will decide that plumbing is a good career and that will exert a downward press...
by JupiterJones
Thu May 14, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Calculating Net Worth
Replies: 8
Views: 777

Re: Calculating Net Worth

We count our cars, personal items, equity in the house, etc. We don't count life insurance (we don't any with a cash value). But in the end, what you include or don't include is up to you. There's no single standard, as far as I know. The main thing is the growth (or lack thereof) of the number, reg...
by JupiterJones
Thu May 14, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Back pain, Laptop Standing Desk
Replies: 10
Views: 989

Re: Back pain, Laptop Standing Desk

If all you need to do is type things into the computer, it might work. But if you're shuffling papers around, writing/reading paper, etc., you'll still have to do that at "desk" level. So probably not as ideal as a full standing desk like this one . But the price ain't bad and it looks be...
by JupiterJones
Thu May 14, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Back pain, Laptop Standing Desk
Replies: 10
Views: 989

Re: Back pain, Laptop Standing Desk

If all you need to do is type things into the computer, it might work. But if you're shuffling papers around, writing/reading paper, etc., you'll still have to do that at "desk" level. So probably not as ideal as a full standing desk like this one . But the price ain't bad and it looks bet...
by JupiterJones
Wed May 13, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Finally broke up with advisor (who plugged Vanguard)!
Replies: 5
Views: 1466

Re: Finally broke up with advisor (who plugged Vanguard)!

Not only was that a very decent way for your former FA to behave, it's also smart business. If you ever do need an FA again, or if you're asked to recommend one by a friend, you'll remember this guy's professionalism.

Anyway, congrats on making the break! :sharebeer
by JupiterJones
Wed May 13, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Ever visited Frankfort, Kentucky?
Replies: 9
Views: 956

Re: Ever visited Frankfort, Kentucky?

I'll second Keeneland. Beautiful track, that.

And if you do visit a distillery or two (which you should), be sure to get your passport started!
by JupiterJones
Tue May 12, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Credit Cards are Good
Replies: 46
Views: 4082

Re: Credit Cards are Good

Andymoler58 wrote:It's a complete misnomer...


Technically, it's a misconception, not a misnomer.
by JupiterJones
Tue May 12, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: How to suggest downsizing to Parent
Replies: 23
Views: 2488

Re: How to suggest downsizing to Parent

I can't be the first person trying to suggest that my mom downsize to a condo. What has/has not worked for you? Never had that conversation myself. But if I did, like any other case where I'm trying to convince someone, I'd start with the benefits. "You know Mom, if you ever decided to downsiz...
by JupiterJones
Tue May 12, 2015 9:38 am
Forum: Personal Consumer Issues
Topic: Vacation Ideas out west
Replies: 42
Views: 3068

Re: Vacation Ideas out west

My trip looks something like this so far If you're interested, you could modify that route to go through Chicago and retrace at least the first half of Historic Route 66 . Or you could at least pick it up once you get to St. Louis. I've done a portion of it over the years (sections in Arizona and N...
by JupiterJones
Mon May 11, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1627

Re: Having a website

It's so easy and inexpensive to have your own top-level domain name that I can't think of any reason not to do so. I always find it a bit cheesy and unprofessional when businesses have URLs like mybusiness.hostingservice.com or hostingservice.com/mybusiness I use GoDaddy for my own site. They handle...
by JupiterJones
Mon May 11, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: dishwasher service plan
Replies: 18
Views: 960

Re: dishwasher service plan

you can bet that, over 3 years, the average cost of repairs is expected to be significantly less than $147. Unfortunately it can cost almost that much ($147) just to get the service man to come out and look at it. Sure. But only if it needs repairs in the first place. Which it probably won't.* Don'...
by JupiterJones
Mon May 11, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: How to educate myself about buying a house?
Replies: 11
Views: 996

Re: How to educate myself about buying a house?

Maybe pick up a copy of Eric Tyson's "Home Buying... for Dummies"?

I haven't read it, but his personal finance/investing "dummies" books are top-notch (and very Bogleheadish), so I'd assume his home-buying advice would be just a good.
by JupiterJones
Fri May 08, 2015 3:10 pm
Forum: Personal Consumer Issues
Topic: Author Advice - Advantages/Disadvantages of Co-author
Replies: 24
Views: 1899

Re: Author Advice - Advantages/Disadvantages of Co-author

I'm enjoying seeing the progress of this book project. Please keep us all updated!
by JupiterJones
Fri May 08, 2015 3:05 pm
Forum: Personal Consumer Issues
Topic: dishwasher service plan
Replies: 18
Views: 960

Re: dishwasher service plan

My concern is that kitchenaid dishwashers have a reputation for needing service. If that were true, don't you think the company offering the service plan would know it too and factor it into the cost of their plan? Plus a hefty amount extra so that they can make a profit? So you can bet that, over ...
by JupiterJones
Fri May 08, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Update on Grateful Newbie
Replies: 11
Views: 1429

Re: Update on Grateful Newbie

sonomasmiles wrote:So he emailed me today to tell me how DISAPPOINTED he is with me


Ugh. What an awful thing for him to say to you.

If anything, you're disappointed in HIM for not justifying the insane fees he was charging!

Glad to hear you're getting everything in order now!
by JupiterJones
Wed May 06, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Cruises
Replies: 35
Views: 4489

Re: Cruises

rockylou wrote:We just returned from a Viking River cruise through Germany to Switzerland.


That sounds awesome!
by JupiterJones
Mon May 04, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on trip to Vienna
Replies: 21
Views: 1622

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: 565

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: 1622

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: 44
Views: 5832

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: 878

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: 1399

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: 54
Views: 3550

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: 878

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: 1009

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: 3973

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: 36
Views: 3037

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: 5941

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: 54
Views: 3550

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: 5941

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: 3082

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: 5376

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: 2937

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: 1908

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: 34
Views: 1600

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: 522

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: 34
Views: 1600

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: 1240

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: 1816

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 ...

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