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Re: Do you tip on the tax?

Tipping is optional, no? Sure. But so are any number of random social niceties that are typically expected of someone who participates in this human culture we have here. We can (often justifiably) question these expectations. But when we nonetheless participate in an activity that we know clearly ...
by JupiterJones
Fri Aug 22, 2014 4:01 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 119
Views: 3762

Re: Do you tip on the tax?

As long as you tip well, what difference does it make what figure you use in your mathematical formula? Here in TN, tax is 9.25%. So someone who tips 20% on the pre-tax total is leaving the same tip as someone who tips 18.3% on the post-tax total. Either percentage is a decent tip in my book. And if...
by JupiterJones
Fri Aug 22, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 119
Views: 3762

Re: Driving Trip Planning

Here's how I'd do it, using Google Maps on a computer: ⋅ Type in your start and end destinations. Google will map the whole route out for you. ⋅ Grab the "end" marker with your mouse. Drag it backwards along the route. ⋅ Google will recalculate the time for yo...
by JupiterJones
Wed Aug 20, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Driving Trip Planning
Replies: 41
Views: 1144

Re: Recommendation for ear buds/in ear headphones

How much do you want to spend? I use custom-molded in-ear monitors from FutureSonics. They stay put, sound fantastic, and have held up for ages. But they are absurdly expensive*. I bought them back in my musician days when I could justify (and deduct) such a purchase. Still, I'm spoiled by them and ...
by JupiterJones
Fri Aug 15, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for ear buds/in ear headphones
Replies: 18
Views: 735

Re: Q: What would be the best way for me to start investing?

Good for you for even thinking about this stuff and asking this question. When I was your age, I was a stone-cold idiot about investing. :D The short answer: Go here... http://www.bogleheads.org/wiki/Getting_started The long answer: Step one is to make sure you're in a position to invest in the firs...
by JupiterJones
Thu Aug 14, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Q: What would be the best way for me to start investing?
Replies: 10
Views: 1016

Re: Convince me I can make a dumb (car-related) purchase

If I made that kind of money and had no debt, I'd buy a used Honda.

Then I'd go buy myself a plane. :sharebeer
by JupiterJones
Thu Aug 14, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4177

Re: Winery to visit in North Willamette (OR)/McMinnville are

Thanks for the tips, folks!

Keep 'em comin'! :beer
by JupiterJones
Thu Aug 14, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 19
Views: 1774

Re: Strategic Default

Slowmaha wrote:Moral issues aside, at what point would one consider a strategic default on a property?


Probably at the point where I could actually put the moral issues aside.
by JupiterJones
Thu Aug 14, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3040

Re: Mac Airbook

Before shelling out the $$$ for the Mac versions of Microsoft Office, I'd recommend that you download LibreOffice and give it a spin for awhile. It's what I use on my Mac. It can read and write Word and Excel files. If you hate it, then just go ahead an buy Mac Office. But who knows... you might dec...
by JupiterJones
Thu Aug 14, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3131

Re: Student Loans

A student loan is sort of a leveraged investment. That is, you're borrowing money to pay back later, with the idea that you will invest that money in the meantime into something that will have a high enough return to more than offset the cost of the borrowing. In that sense, a student loan is no dif...
by JupiterJones
Tue Aug 12, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3207

Re: Winery to visit in North Willamette (OR)/McMinnville are

Bumping this old thread because the wife and I will be heading to Oregon for a brief vacation. We'll be spending a couple of nights outside of Dundee and are looking for some good suggestions for wineries and restaurants in the northern Willamette Valley area. So, any changes/additions/endorsements ...
by JupiterJones
Mon Aug 11, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Winery to visit in North Willamette (OR)/McMinnville area?
Replies: 19
Views: 1774

Re: Your Favorite charity organization...? please

A couple of points, as someone who has experience working in the non-profit industry: 1.) It's really about connecting your passion with an institution can help you (through your donation) achieve those goals you're passionate about. It's stating the obvious, but since we all care about different th...
by JupiterJones
Fri Aug 08, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite charity organization...? please
Replies: 91
Views: 4104

Re: Marathon Running and Long-term Investing

Another thing they have in common:

People who don't do it, don't think they can ever do it, and they certainly don't want to hear you talk about it. :D
by JupiterJones
Thu Aug 07, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 17
Views: 1338

Re: Public Speaking-help

Slowmaha wrote:It's over. I was told I did well but I'm not sure.


Woo-hoo! I bet you did great!

Congrats, and thanks for the update!

:sharebeer
by JupiterJones
Wed Aug 06, 2014 11:16 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4963

Re: Marathon Running and Long-term Investing

The fifth lesson is that investing, like marathon running, is "an experiment of one" (to quote George Sheehan ). You have to find the shoe that works for you , and the training plan that works for you , and the diet that works for you , and.... well you get the idea. Veteran marathoners ca...
by JupiterJones
Wed Aug 06, 2014 11:07 am
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 17
Views: 1338

Re: Salzburg or Graz?

Ok true Salzburg Story. Nice! Here's ours: Submitting ourselves to Salzburg's touristy charms, we capped off a wonderful day there with the "Mozart Dinner". This takes place in a room at Stiftskeller St. Peter--supposedly the oldest restaurant in Europe. We enjoyed a (surprisingly not med...
by JupiterJones
Mon Aug 04, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1141

Re: Salzburg or Graz?

I've also been to both and would recommend Salzburg, hands-down. Someone mentioned Halstatt, which I also highly recommend. The few (cheaper) accomodations in Halstatt were filling up fast...some rooms in the pricier places might be available. Well I don't know if I'd sleep in Halstatt, necessarily...
by JupiterJones
Mon Aug 04, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1141

Re: What is your most memorable 1 week vacation?

Another vote for Napa/Sonoma valleys, with San Francisco as your launchpad. If you haven't been to the Grand Canyon though, well, that's a good one too. Although one week it a bit much unless you plan on hiking down into it (and even then...). So I'd pair it with either Las Vegas (hitting Hoover Dam...
by JupiterJones
Mon Aug 04, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 85
Views: 6561

Re: Salzburg or Graz?

I've also been to both and would recommend Salzburg, hands-down. Not that there's anything wrong with Graz. It has an interesting "old town", charming cafes, and all that stuff. I just don't think Graz offers anything particularly new to someone who is already coming from Vienna. Salzburg,...
by JupiterJones
Mon Aug 04, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 1141

Re: Public Speaking-help

Oh, and as far as specific recommendations: Since time is short, in lieu of retaking the Carnegie course (or attending Toastmasters), how about getting a copy of one of Dale Carnegie's books on public speaking and going over that? "The Quick and Easy Way to Effective Speaking", "The A...
by JupiterJones
Thu Jul 31, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4963

Re: Public Speaking-help

chances are nobody is going to remember your presentation 3 months later. True, and not an indictment of the OP's presentation skills as much as an indictment of how much most people pay attention to anything . :D People fuss and stew over what they wear, what they say, how they act, etc., as if th...
by JupiterJones
Thu Jul 31, 2014 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 4963

Re: What ONE investing book or article for skeptical sibling

His outlook on the future is somewhat influenced by doomsday mentality [...] what ONE book or couple of articles do you think would give a smart guy the proverbial "light bulb" over the head? Another vote for "nothing". There simply is no book or article that will do the trick h...
by JupiterJones
Fri Jul 11, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: What ONE investing book or article for skeptical sibling?
Replies: 30
Views: 2924

Re: Luggage recommendation

I just looked at the Rick Steves 20-inch bags. They are nice, but they have two outer zippered pockets situated on outer face of the bag. It appears that neither of these are big enough to hold a non-small collapsible umbrella. If the bag had a single outer pocket, then the umbrella would fit. So m...
by JupiterJones
Mon Jul 07, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2240

Re: What smartphone plan do you use?- off contract

I just switched to Ting a couple of weeks ago.

So far, so good.
by JupiterJones
Mon Jul 07, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 5546

Re: Valuing a personal residence for net worth purposes

Zillow - 10%. Same here. Zillow minus 10%. For me, anyway, it's not as important what my net worth is as much as whether it's higher or lower than it was . The relative change is what I'm looking at more than the absolute value. So if the home value that I use isn't quite perfect, at least it's imp...
by JupiterJones
Mon Jul 07, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Valuing a personal residence for net worth purposes
Replies: 73
Views: 4028

Re: Luggage recommendation

I think the first question is whether you can commit to "carry-on" only. For the "carry-on" traveler (which, I agree, is totally the way to go), I'd recommend taking a look at luggage Rick Steves sells under his own brand: http://travelstore.ricksteves.com/catalog/index.cfm?fuse...
by JupiterJones
Mon Jul 07, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2240

Re: Personal Development Books

Here's my problem with Richard Carlson's "Don’t Sweat the Small Stuff." The full title is, "Don’t Sweat the Small Stuff…and it’s all Small Stuff." Terminal illness, death of a loved one, divorce... how can things like that be included in, "and it's all Small Stuff?" A ...
by JupiterJones
Fri Jun 27, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Personal Development Books
Replies: 39
Views: 2859

Re: How do you afford to travel?

Fear of flying is very common. The good news is, you can do something about it. One of the best ways to get over a fear of flying is to take flying lessons. It's a whole different ballgame when you're in control. Good point. Not only that, but it gives you chance to "feel", first-hand, ho...
by JupiterJones
Fri Jun 27, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6387

Re: Personal Development Books

Don't sweat the small stuff - Richard Carlson Great choice! I'm kicking myself for not including it on my list above, in fact. It's tempting to dismiss that book as fluff, being as it was among that wave of small, often-corny, self-help books that were seemingly for sale next to every bookstore cas...
by JupiterJones
Thu Jun 26, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Personal Development Books
Replies: 39
Views: 2859

Re: Please help us decide where to live

SDF wrote:We also think that Albuquerque or Santa Fe might work, but again, we’ve never been there


You should visit that area. I think you'll really like it. Certainly more interesting that Reno/Carson City, IMO.
by JupiterJones
Thu Jun 26, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 8056

Re: How do you afford to travel?

Fear of flying is very common. The good news is, you can do something about it . I'm not kidding. I've seen it happen many times. It takes a bit of work and a willingness to give it a shot, but you can get to the point where you fly with a greater level of comfort that you currently do now. I would ...
by JupiterJones
Thu Jun 26, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6387

Re: Want to Save Money? Be Polite!

You obviously don't live in NJ. We're not trusted to pump our own gas. Oregon's the same way. I remember driving a rental car there once and pulling over to fill up. I was chagrined to find that there were no self-serve pumps... so I drove down the street to the next gas station. Oddly, it was the ...
by JupiterJones
Wed Jun 25, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6758

Re: Buy A New Windows Computer Now?

abuss368 wrote:I hear what you said but the Apple "learning curve" is not that large and I found it to be quite simple.


Yup.

There are good reasons why one might stick with Windows instead of switching to a Mac. I would not consider the learning curve to be one of them.
by JupiterJones
Wed Jun 25, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2957

Re: How I win at craps

The key to craps is to avoid the middle sucker bets to keep the house edge as small as possible and slam as many free drinks as you can. That's the key to any game in the casino, really. Minimize expenses and maximize value. When the value received doesn't outweigh the expense, quit playing. Althou...
by JupiterJones
Tue Jun 24, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2054

Re: First book

Anything from Mike Piper or Eric Tyson.
by JupiterJones
Tue Jun 24, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: First book
Replies: 16
Views: 971

Re: Cost of car compared to Gross Income

Dave Ramsey has a rule of thumb that I sort of like: The combined total of all of your vehicles should not exceed 50% of your household income (take-home, I believe). This would include your spouse's car, plus "anything with a motor", such as boats, jet skis, scooters, RVs, etc. They all g...
by JupiterJones
Tue Jun 24, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4659

Re: Personal Development Books

Your Money or Your Life -- Joe Dominguez and Vicki Robin A bit of cliche, but... it's tough to go wrong with anything by Dale Carnegie. Mindfulness: An Eight-Week Plan for Finding Peace in a Frantic World -- Mark Williams and Danny Penman. (Or any other good book on mindfulness , such as those by J...
by JupiterJones
Tue Jun 24, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Personal Development Books
Replies: 39
Views: 2859

Re: Poll: Dave Ramsey - Harmful or helpful?

Growth: Mid-Cap index/Total Stock Market Growth&Income: Star/Balanced Index AggressiveGrowth: Small-Cap index Forgin: Total International Stock Market/Emerging Market What is so bad about that? Do not want to agure about bonds at all here just talkin about how to implent his fund point of view....
by JupiterJones
Tue Jun 24, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5209

Re: American Automobile Assn (AAA)

Just to echo with my own experience some of what's already been said: ⋅ I got an IDP a couple of years back from AAA without being a member. ⋅ During my entire trip, not once did I actually need the IDP. No one ever asked to see it, anywhere, for any reason. That said, I don't re...
by JupiterJones
Tue Jun 24, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3446

Re: Help devising winning roulette system

what amazes me about roulette is when there are two tables, side by side, and one is single zero and one is double zero. And yet people are playing both tables, as if there is no difference between them. :oops: Kinda like how people will sit down at a 6-5 "blackjack" table when there's a ...
by JupiterJones
Tue Jun 24, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Help devising winning roulette system
Replies: 72
Views: 3209

Re: How I win at craps

The key to craps is avoiding the huge losses that come from chasing cold tables, cold shooters [...] On a hot hand, as I'm winning, I pocket greens and blacks slowly and on the sly while the red and white stacks up. I'm always up for a good discussion of gaming, but... "Past performance is no ...
by JupiterJones
Tue Jun 24, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2054

Re: First anniversary gift ideas

If it's not too late, here's another nice idea for a first anniversary: Giver her a nice, blank journal/notebook. Maybe even a handmade one. It satisfies the "paper" requirement (if, like me, you adhere to such things), plus it gives you a place to record memorable moments from your marria...
by JupiterJones
Mon Jun 23, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: First anniversary gift ideas
Replies: 21
Views: 1156

Re: Convince me to visit Italy

I'm not giving up on making you not go. You do know that there are pleny of Italian restaurants and ice cream places outside of Italy, right? The Italians have emigrated for years and years. I have even heard of a place called "Little Italy" and there are many of them. And as far as beaut...
by JupiterJones
Mon Jun 16, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5487

Re: GoDaddy - Any better options for website hosting?

I find GoDaddy so inexpensive that if it were me, I'd probably stay even without getting any renewal discount.

Just not worth the hassle to potentially save such a small amount by switching.
by JupiterJones
Wed Jun 11, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 21
Views: 3205

Re: running shoes for a severe overpronator(flatfoot)

For me, I've had custom orthotics. I hated them for running. They are too thick and heavy. I wear superfeet green in neutral running shoes (Nike Pegasus). They are lighter and less bulky than the customs and do the job. I log 40 miles per week with them. Another vote for SuperFeet. I use the greens...
by JupiterJones
Wed Jun 11, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: running shoes for a severe overpronator(flatfoot)
Replies: 45
Views: 2893

Re: Switzerland itinerary feedback

FWIW, here's Rick Steves' episode on the Jungfrau region:

http://www.ricksteves.com/watch-read-li ... f-the-alps
by JupiterJones
Tue Jun 10, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Switzerland itinerary feedback
Replies: 17
Views: 1121

Re: Switzerland itinerary feedback

jasc15 wrote:After that, we head to Interlaken and ultimately Gimmelwald


I've been to Switzerland twice... both times to that region. I was surprised that the OP's itinerary didn't cover any of this part of the country (unless I missed it). It's one of my favorite places I've even been--absolutely stunning.
by JupiterJones
Mon Jun 09, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Switzerland itinerary feedback
Replies: 17
Views: 1121

Re: Silly to trade in new car for used?

If I were in your situation, I'd sell the CRV and buy a much, much cheaper car. I wouldn't necessarily do a trade-in... you'll probably do better selling it yourself. If it's worth $21,000 and you owe $15,500, then that would leave you with $5,500 cash-in-hand, correct? I would then buy a $5,500 car...
by JupiterJones
Thu Jun 05, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Silly to trade in new car for used?
Replies: 18
Views: 1337

Re: Using TurboTax on Apple Mac PCs

Apple's "answer" to Microsoft Office (Pages, Numbers, Keynote, etc.) are, quite frankly, not very good. I use LibreOffice on my Mac. Compatible with MS Office, better than Apple's stuff, and free to boot. As far as laptop vs. desktop goes, you might want to consider doing what I do: I use ...
by JupiterJones
Wed Jun 04, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: Using TurboTax on Apple Mac PCs
Replies: 21
Views: 1089
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