Search found 2077 matches

by JupiterJones
Thu Jul 30, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: What to pay down in debt or save up for first.
Replies: 3
Views: 404

Re: What to pay down in debt or save up for first.

Typically, you'd beef up the emergency fund first (even before paying extra on the debt). Three months is bare minimum, IMHO. Doesn't matter how secure your job is. Job loss isn't the only "emergency" you might need an emergency fund for anyway. Next step is debt. Then, if you only did thr...
by JupiterJones
Thu Jul 30, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Retiring in a few days
Replies: 12
Views: 1361

Re: Retiring in a few days

That's awesome, congrats!

Best wishes for finding satisfaction in your new phase of life. :sharebeer
by JupiterJones
Tue Jul 28, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: wife got in wreck with Honda CRV - no collison coverage
Replies: 113
Views: 6056

Re: wife got in wreck with Honda CRV - no collison coverage

It's a 2010 Ex-L, I really like the vehicle, so I hate to lose it. I agree the Fit is small, and I want my kids protected a little more than the Fit. Maybe get something like this? http://images.ischoolguide.com/data/images/full/2348/armored-tank.jpg?w=400 Barring that, I like the Defensive Driving...
by JupiterJones
Tue Jul 28, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 19
Views: 973

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

Book your torus in advance, they fill up quickly. As a MathWizard, I'm sure you know: If it's filled up, it's technically not a torus. :D Ah, but seriously folks... Mammoth cave is great and you could easily spend most of a full day there. One thing the kids might think is a hoot: If you drive in t...
by JupiterJones
Tue Jul 28, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 166
Views: 9773

Re: Would you look down on a co-worker for driving a beater?

Signaling is real. If you drive a new Benz, it says something. If you drive a beater it says something. If you drive something in between, it says something. What you drive, what you wear, who you associate with, all say something about you. The disagreement, however, is on what it's saying. Is the...
by JupiterJones
Mon Jul 27, 2015 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2316

Re: New Car - Cash or Finance?

I'm in the "just buy the dang thing" club too. Sure, you might be able to squeeze out some extra money by financing it instead. But how much extra? Maybe a grand? In exchange for hassling with car payments every month for five years? Meh. I'll pass. Plus, you could possibly get cheaper ins...
by JupiterJones
Mon Jul 27, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: finance a car or lease it
Replies: 11
Views: 636

Re: finance a car or lease it

Winsome wrote:Seems as though everyone they talk to does the lease.


Everyone they talk to is probably broke. Don't listen to them.

Listen to Beth*.
by JupiterJones
Mon Jul 27, 2015 11:09 am
Forum: Investing - Help with Personal Investments
Topic: How do I invest in the stock market?
Replies: 6
Views: 662

Re: How do I invest in the stock market?

What books I should read if there are any that would help me to understand, how much money I should invest to start and so on. Is there any book that will help me to understand terminology ? Here are some great books to start with: Investing Made Simple -- Mike Piper Any of the "Dummies" ...
by JupiterJones
Mon Jul 27, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 166
Views: 9773

Re: Would you look down on a co-worker for driving a beater?

In many of my circles, a beater car is almost a badge of honor. :beer

I've found that giving a crap what other people think can be a very expensive vice.
by JupiterJones
Sat Jul 25, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 63
Views: 5547

Re: Greatest money lesson movie

This is not a movie and it is available on youtube: The Retirement Gamble-Frontline-PBS (documentary) Inspired by this post, I watched this one tonight. Highly recommended! Some great clips of Mr. Bogle dropping truth bombs. :D P.S. I wasn't able to find it on YouTube, but the Frontline website has...
by JupiterJones
Wed Jul 22, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: How to pay taxes on blog income?
Replies: 53
Views: 3698

Re: How to pay taxes on blog income?

Yup, I just keep track of my income from my "side hustle" in a spreadsheet. I rarely get 1099s for any of it. No complaints from the IRS so far <knocks on wood>. I do use Square for my credit/debit card processing. They (like all credit card companies) have to report to the IRS and file a ...
by JupiterJones
Wed Jul 22, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 63
Views: 5547

Re: Greatest money lesson movie

indexmonkey wrote:My vote would be for "the treasure of the Sierra madre"


Along somewhat similar lines, ending-wise, "Ocean's 11" (the original from 1960).
by JupiterJones
Tue Jul 21, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: How to get a job as a software developer?
Replies: 39
Views: 3546

Re: How to get a job as a software developer?

Or better yet, think of a piece of software you wish you had and try writing it yourself. And if you know Java, you're a long, long way toward knowing how to write an Android app. The tools to do so are free, and you can put it up on the Google Play store when you're done. A degree looks good on a ...
by JupiterJones
Tue Jul 21, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10564

Re: How do people afford children with a SAHS?

DDMP20 wrote:Who said that everyone must attend college?


Or, if they do, that their parents have to pay for it?
by JupiterJones
Tue Jul 21, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: $11,000 bonus...where should I put it?
Replies: 27
Views: 2437

Re: $11,000 bonus...where should I put it?

My knee-jerk response is Roth, no question.

But then I read more closely and saw the debt emergency you have on your hands. Ugh.

Yeah, throw it at the 2nd mortgage. And yes, I would only contribute to the 401k up to the match, if I were you, until the 2nd and the student loan are gone.
by JupiterJones
Tue Jul 21, 2015 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6017

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Then again, $30,000 could pay for a lot of weekend trips back home to city A.
by JupiterJones
Tue Jul 21, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting help to understand taxes
Replies: 11
Views: 831

Re: Requesting help to understand taxes

Another recommendation is Mike Piper's book "Taxes Made Simple".
by JupiterJones
Tue Jul 21, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10564

Re: How do people afford children with a SAHS?

Wow. 1,100 Sq ft. I couldn't imagine it personally. What can you not imagine about it? Do you have an indoor soccer pitch in your house? I get that a lot from many of my high earning co workers but when I visit their houses most of it sits unused. I've often found that to be the case too. When you ...
by JupiterJones
Mon Jul 20, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to start to invest
Replies: 26
Views: 1485

Re: Newbie wanting to start to invest

Should I have my emergency fund ready before I start investing or can I do it both simultaneously? Personally, I would have at least three months of expenses saved up before starting to invest. Six months would be even better. (Especially since you're not getting the match yet.) We also haven't tal...
by JupiterJones
Thu Jul 16, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is there something like a "Bogleheads Guide to Insurance"?
Replies: 7
Views: 1262

Re: Is there something like a "Bogleheads Guide to Insurance"?

Doesn't the Bogelhead's Guide have a chapter on insurance?
by JupiterJones
Thu Jul 16, 2015 4:32 pm
Forum: Personal Consumer Issues
Topic: Travel Vest - Looking for Recommendations
Replies: 2
Views: 319

Re: Travel Vest - Looking for Recommendations

I've bought from TravelSmith, and also Magellan's (which you might also want to take a look at). No problems at all. Never bought a travel vest from either of them, though, so I can't help you there. REI might be worth a look too. Those three (plus Rick Steves, who doesn't sell vests) are my go-to &...
by JupiterJones
Thu Jul 16, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey ELP's [Endorsed Local Providers]
Replies: 9
Views: 1528

Re: Dave Ramsey ELP's

I used to listen to a lot of ELP back in high school, if that helps any.

Image
by JupiterJones
Wed Jul 15, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Music player while exercising
Replies: 32
Views: 1773

Re: Music player while exercising

Another vote for the 6th-gen iPod Nano.

It's the perfect exercise MP3 player. Why they stopped making them in that form factor is beyond me. :oops:
by JupiterJones
Wed Jul 15, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: Is there a big difference between the Samsung S3 and S5?
Replies: 13
Views: 1152

Re: Is there a big difference between the Samsung S3 and S5?

My wife has the S3, I have the S5. There's not a lot of noticeable difference. The "under the hood" specs on the S5 are a bit better here and there. It's slightly larger. The main thing the extra money will buy you is more "future-proofing". The day when the S5 is obsolete and wo...
by JupiterJones
Tue Jul 14, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4550

Re: Having Trouble buying big ticket item

Three thoughts: If you won't derive at least $7,000 worth of enjoyment value from it over its useful life, then don't buy it. (If you will sell it one day, then adjust the numbers and enjoyment accordingly.) It helps if your wife also has some frivolous, expensive thing she wants that's about the sa...
by JupiterJones
Tue Jul 14, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7528

Re: Are you going to shop on Prime Day?

indexfundfan wrote:715 is not even a prime number. Maybe it should be on 7/19 or 7/27. LOL.


Yeah, I'm waiting until next year. Then 7/15 will be the 167th day of the year, which is prime.
by JupiterJones
Mon Jul 13, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Whats the best way to learn MacBook Air
Replies: 18
Views: 1447

Re: Whats the best way to learn MacBook Air

Depends on your learning style. I tend to learn the most by just using the thing--poking around, exploring, clicking on stuff. Macs are fairly "error proof". There's not a lot of trouble you can get yourself into that you can't get yourself back out of fairly easily. But if you're more of ...
by JupiterJones
Wed Jul 08, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2930

Re: Visiting Nashville during the summer

TSR wrote:Rumours East is a pretty good spot for a wedding too -- same benefits, beautiful location, etc. Not particularly cheap, but something to look into.


Yes! I was trying to think of the other restaurant in town that had a wedding-friendly event space (and wasn't Suzy Wong's), but kept drawing a blank.
by JupiterJones
Wed Jul 08, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: Is it a good idea to travel to Western Europe with kids?
Replies: 39
Views: 2285

Re: Is it a good idea to travel to Western Europe with kids?

I've read Rick Steves article about taking kids to Europe... The topic of traveling with kids was on a recent-ish episode of Rick Steves' radio show/podcast. As I recall, one tip was to involve your children in the planning, letting them research the area on their own and pick one or two places/act...
by JupiterJones
Wed Jul 08, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 7578

Re: Suze Orman Show Summary

BW1985 wrote:Her show isn't on anymore, were you watching one of her specials where she speaks to a live audience?


I was thinking the same thing. The OP's description sounds more like one of her infomercial programs than her old call-in show.
by JupiterJones
Wed Jul 08, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 90
Views: 8517

Re: Worst financial book you have read (or will admit you have read)

I flipped through "Rich Dad Poor Dad" for awhile at a used book store, so I can't claim to have "read" it, technically. But from what I did read... ugh. :( I get how people might not like the writing style of "Your Money or Your Life", but I found some of the concepts t...
by JupiterJones
Wed Jul 08, 2015 10:20 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2930

Re: Visiting Nashville during the summer

Thanks! I should've mentioned, we want something very small, intimate and simple with only 10 people or so. I found this - Iris Garden http://www.state.tn.us/agriculture/general/irisgarden.shtml That would be a good spot! Nice find. Also check out the Metro Parks link above and scroll down to the S...
by JupiterJones
Wed Jul 08, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2930

Re: Visiting Nashville during the summer

Is Nashville a good place to get married? Any suggestions? I have grandparents in Dickson so I thought it might be a good option. Well, it's no Napa Valley or Lake Como or anything, but it's a perfectly fine place to get married nonetheless. Suggestions would depend on your budget, what sort of wed...
by JupiterJones
Wed Jul 08, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Visiting Nashville during the summer
Replies: 50
Views: 2930

Re: Visiting Nashville during the summer

Just came back from our trip to Nashville and wanted to leave some feedback on the suggestions plus some observations. Thanks for the update, Moshe! I love it when people post follow-ups to "need advice" threads like this. I just saw a show at the City Winery myself for the first time (th...
by JupiterJones
Wed Jul 08, 2015 8:56 am
Forum: Personal Consumer Issues
Topic: Visiting New York in early November
Replies: 28
Views: 2325

Re: Visiting New York in early November

Book of Mormon : Hilarious! But extremely bawdy. Not for the easily offended. Probably not even for those who get offended at the standard level, for that matter. Wicked : IMHO, a good show, draggy in spots, but with a few excellent, stand-out tunes that make it worth it. (I felt the same way about...
by JupiterJones
Thu Jul 02, 2015 12:41 pm
Forum: Investing - Theory, News & General
Topic: Beginner
Replies: 7
Views: 745

Re: Beginner

That depends on what your non-retirement savings are being saved for . Since we're all saving for different purposes, over different time horizons, there are different good answers. Will you need the money in one year? Five years? Twenty years? Would it be a catastrophe if it lost some money by then...
by JupiterJones
Thu Jul 02, 2015 12:34 pm
Forum: Personal Consumer Issues
Topic: The Amalfi Coast: Next April
Replies: 21
Views: 2282

Re: The Amalfi Coast: Next April

If you haven't seen it, consider renting/streaming the '90s rom-com Only You.

It ain't Citizen Kane, but it's enjoyable enough, IMHO. And (more to the point), it has pivotal scenes filmed in Positano, including the aforementioned Le Sirenuse.
by JupiterJones
Thu Jul 02, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Learning Guitar
Replies: 30
Views: 3584

Re: Learning Guitar

Good points, JT. Although I would probably put it more like, "Music is fun, but it's more fun when you do the hard work. Oh, and the hard work is kinda fun too!" In regards to theory, I sort of think of it this way: Apparently, when Jackie Chan (chinese-born martial-arts-movie guy) did his...
by JupiterJones
Thu Jul 02, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21657

Re: Emergdoc on Mr. Money Mustache

What I like about MMM is how he shook up my preconceptions of how "life is supposed to be" and made me question my assumptions. Most of my financial quantum leaps were caused by people like that. In my culture, at least, we're largely hardwired to believe that: ⋅ Millionaires liv...
by JupiterJones
Thu Jul 02, 2015 8:42 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5621

Re: Smart phone data usage

It's worth noting that, if the primary drivers of your data usage are maps and/or streaming music, you might considering buying a standalone GPS receiver and/or MP3 player. You might (or might not) find that being able to then drop down to a cheaper plan will easily pay for the cost of the extra dev...
by JupiterJones
Tue Jun 30, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: Honda car mechanic in Nashville?
Replies: 2
Views: 540

Re: Honda car mechanic in Nashville?

Check out Import Auto Maintenance. They can be a bit spendy, but they've done good work for me on my Honda in the past: http://www.importautomaintenance.com/ Although if it's just basic AC trouble (leaks, needs a recharge, etc.), then pretty much anyone should be able to take care of it. I'd just go...
by JupiterJones
Sat Jun 27, 2015 12:05 am
Forum: Personal Consumer Issues
Topic: Smart phone data usage
Replies: 54
Views: 5621

Re: Smart phone data usage

You should consider going with Ting. They don't offer "packages", but rather a tiered, pay-as-you-go model. So if you don't use any data one month, you don't pay for it. Even if you use a lot, they're still quite competitive. Plus you can download an app for your phone that lets you keep t...
by JupiterJones
Fri Jun 26, 2015 11:54 pm
Forum: Personal Consumer Issues
Topic: Best place to order business cards
Replies: 12
Views: 2350

Re: Best place to order business cards

In this day and age, I think it's far more important to get a good website with a good URL, and to do what you can to get it show up when people search for whatever it is you do. I still hand out business cards, but I don't think I've gotten work from that in over a decade. Nor have I chosen/hired a...
by JupiterJones
Tue Jun 23, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14813

Re: Convince me not to buy Porsche

Simple answer: If you have to borrow money to get it, you cannot--by definition--afford it. You paid cash for your house? Good point! I certainly couldn't afford to pay cash for my house, and did take out a loan for a portion of it. I think it is important to realize, even with houses, that being a...
by JupiterJones
Tue Jun 23, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9017

Re: MacBook Pro Worth the money?

I agree with Takeshi. People place value in different ways on different things, so it's hard to say. No doubt that the MacBook is overpriced when you look at just the hardware. I'm sure you can buy a roughly-equivalent Windows laptop for a lot less, and you might even be able to find one nearly as w...
by JupiterJones
Tue Jun 23, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 180
Views: 14813

Re: Convince me not to buy Porsche

Simple answer: If you have to borrow money to get it, you cannot--by definition--afford it.
by JupiterJones
Mon Jun 22, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Where can I buy wiper blade inserts?
Replies: 22
Views: 2842

Re: Where can I buy wiper blade inserts?

If you have a Honda or Acura, check out H&A: http://handa-accessories.com

That's where I get mine. They're OEM parts, so if you've changed to non-stock wipers, the inserts won't work.
by JupiterJones
Mon Jun 22, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Concerns about upcoming Greece visit.
Replies: 26
Views: 3110

Re: Concerns about upcoming Greece visit.

C If a crowd gathers, get out of there. This. I remember a few years back, when there were the anti-austerity demonstrations in Greece. A correspondent on BBC (I think it was) commented about how what you saw on the news was just one small area in the city. You could go just a block or two away and...
by JupiterJones
Fri Jun 19, 2015 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Student Loans or IRA?
Replies: 14
Views: 1427

Re: Student Loans or IRA?

You should consider the interest rate on the loan with the highest interest rate, because that's the one you should pay down first if you have the money to do so. Only if the your goal is to minimize total interest paid and time until becoming debt-free. If your goal is to free up discretionary cas...

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