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Re: Do you love your job? What do you do?

Naval Officer - started as an Enlisted Sailor out of high school, was selected for NROTC scholarship, currently active duty as a mid-level officer. Pros: Travel; job stability; make enough to provide for my family; health and retirement benefits; management/leadership experience; level of responsibi...
by SwampDonkey
Mon Mar 17, 2014 1:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 11075

Re: Buying a 'loaded' vs stripped down vehicle

Two thoughts: 1. Why not consider an actual pickup truck? Depending on the brand, the "mega" and "crew" cabs are cavernous on the inside. If you buy the bench seat in the front (has the fold down arm rest/junk hider), you can easily fit 6 people in there. Add to that, you have an...
by SwampDonkey
Fri Feb 21, 2014 12:17 am
 
Forum: Personal Consumer Issues
Topic: Buying a 'loaded' vs stripped down vehicle
Replies: 52
Views: 3594

Re: $25K Budget for a Fun Car

http://www.ebay.com/itm/Saturn-Sky-WE-F ... ars_Trucks

2008 Saturn Sky in primo condition. Less than $16k. Only 18k miles.
by SwampDonkey
Sat Feb 08, 2014 1:42 am
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4516

Re: Best Comfort and Best Workout Clothes

Most gear doesn't matter - especially when it comes to regular ole' t-shirts and shorts. However, when it's a bit chillier than that, there are two pieces of active wear that I've had for 5 years and I still wear them whenever I get the chance: Running pants from Sporthill: http://www.sporthill.com ...
by SwampDonkey
Thu Jan 23, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Best Comfort and Best Workout Clothes
Replies: 28
Views: 3366

Re: What Are Some Unwritten Rules in Your Office?

Stand and greet the boss when she first enters the front office in the morning. Same goes for when she leaves in the evening. If someone's calling my or one of the other desks in my office and the person is engaged and can't answer their phone - answer it for them from your own desk. If the dishwash...
by SwampDonkey
Tue Nov 12, 2013 10:29 pm
 
Forum: Personal Consumer Issues
Topic: What Are Some Unwritten Rules in Your Office?
Replies: 39
Views: 4559

Re: Car maintenance app like Mint?

I've been using the app, "Road Trip" for the past 36 months to track fuel consumption, mileage, maintenance, and all other random expenses from our vehicles. App is a few bucks, tracks several vehicles, backups online, and is easy to use. Overall, highly recommended.
by SwampDonkey
Sun Jul 21, 2013 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Car maintenance app like Mint?
Replies: 8
Views: 1015

Re: Best place to buy and best brand of lawn mower?

Thank you all for the advice. I ended up snagging a used John Deere LA145 (http://www.deere.com/wps/dcom/en_US/products/equipment/riding_mowers/lawn_tractors/100_series/LA145/LA145.page) with 80 hrs of use for $1100 on Craigslist. Bought it from an older couple who no longer mowed their own yard and...
by SwampDonkey
Sun Jun 02, 2013 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 3397

Navy Mutual for Term Life Insurance?

Hi, BLUF: Anyone use Navy Mutual for their term life and if so, what are your thoughts? Any idea why they are 15-30% cheaper than the lowest rates found on http://www.term4sale.com? Wife is about to have our first baby so we decided it was time to research life insurance for her. Thanks to the advic...
by SwampDonkey
Sun Jun 02, 2013 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Mutual for Term Life Insurance?
Replies: 4
Views: 598

Re: any suggestions on a ccw [Concealed Carry Weapon]

Yes, the Taurus brand is still in its infancy and for true enthusiasts, it will probably never compare to the tried and trues within the industry. It's made in Brazil but has some sort of corporate representation in FL (not 100% sure of this). I purchased mine off a recommendation from a friend who ...
by SwampDonkey
Tue Apr 23, 2013 11:01 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 6675

Re: Best place to buy and best brand of lawn mower?

If your lawn is reflectively flat and you maintain your engine oil level and change it regularly you should not have an issue with a mower in the 1K - 1.5K range. Issues arise when there are significant inclines due to fact that mowers in this price range do not have an oil pump hence lack of lubri...
by SwampDonkey
Tue Apr 23, 2013 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 3397

Re: Best place to buy and best brand of lawn mower?

Home Depot sells an Ariens riding mower for $1k. Probably very adequate for your needs. They'll ship it for free. http://www.homedepot.com/p/Ariens-42-in-17-5-HP-6-speed-Riding-Lawn-Mower-960160027/203013179?N=c5c0#.UXVFV0qC3Tc Wow.... I had never heard of this brand before. Their consumer reviews ...
by SwampDonkey
Tue Apr 23, 2013 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 3397

Re: any suggestions on a ccw

Big fan of the Taurus PT 740 Slim: http://www.taurususa.com/product-details.cfm?id=716&category=Pistol First 50 rounds were a bit uncomfortable as the grip didn't have a place for my pinky. Problem solved with an $8 extender: http://www.amazon.com/gp/product/B0057IL8QK/ref=oh_details_o00_s00_i01...
by SwampDonkey
Tue Apr 23, 2013 1:31 pm
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 6675

Best place to buy and best brand of lawn mower?

We have about 3/4 of an acre to mow so I'm finally biting the bullet and purchasing a riding lawn mower. Anyone have any good or bad experiences with a particular store or website? And what about brands? We're looking to try and stay as close to $1k as possible so if you have any specific recommenda...
by SwampDonkey
Mon Apr 22, 2013 12:25 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 3397

[recommend a leather toiletry bag?]

The "what kind of wallet" thread got me thinking - what are some of your positive experiences with toiletry bags? My wife purchased me a personalized (my initials) leather toiletry bag from Pottery Barn recently. The leather was okay but the engraving was horrible. After five rounds of ema...
by SwampDonkey
Wed Mar 13, 2013 11:53 pm
 
Forum: Personal Consumer Issues
Topic: [recommend a leather toiletry bag?]
Replies: 21
Views: 2046

Re: Trip to Panama

Spent 3 weeks there a few years back. Most notable memories: 1. Several casinos available with player-friendly rules (as compared to U.S.). For instance, playing Blackjack, they would let you split whenever you wanted, double whenever you wanted, and surrender whenever you wanted. If you know basic ...
by SwampDonkey
Wed Feb 20, 2013 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Trip to Panama
Replies: 7
Views: 597

Re: Contractor ruts up front yard -Long Distance landlord. A

Size/type of tree: Huge oak tree. Estimate 7-8 ft diameter. Also snapped three 36-inch diameter trees on the way down. Setting: Very rural Quotes: $1850 - cut up trees and completely remove them from the property $1200 - cut up trees and chip the wood on site, leaving a giant pile of chips $1000 - c...
by SwampDonkey
Thu Feb 07, 2013 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Contractor ruts up front yard -Long Distance landlord. Ahh!!
Replies: 15
Views: 1762

Re: Contractor ruts up front yard -Long Distance landlord. A

Just wanted to close this thread with how everything ended up.... The contractors completed removed the tree and ground the stump into the ground so you can't even tell it was there. I wish there was a way to post pictures on here as the contractor sent me a photo of the root ball ---- my tenants es...
by SwampDonkey
Wed Feb 06, 2013 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Contractor ruts up front yard -Long Distance landlord. Ahh!!
Replies: 15
Views: 1762

Re: Is [this] a stupid idea? - Extreme mortgage payoff

Two poor pieces of advice - switching out from a known mortgage payment to an unknown at that end of 5 years. :oops: If rates move higher, now the OP is up the creek with no job and a higher payment. No refi and no money to pay the mortgage when out of a job - not a good idea! I know lots of unempl...
by SwampDonkey
Wed Feb 06, 2013 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is [this] a stupid idea? - Extreme mortgage payoff
Replies: 40
Views: 4516

Re: Is [this] a stupid idea? - Extreme mortgage payoff

Oh, and your math is not anywhere near correct. $430k at 3.625% 30yr fixed is $1961.02/month. $430k at 2.42% 5/1 ARM is $1681.19/month . So, only $280/month in actual interest savings, which the OP would not only lose the tax deduction for the same amount, but also forego the tax deduction for 401K...
by SwampDonkey
Wed Feb 06, 2013 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is [this] a stupid idea? - Extreme mortgage payoff
Replies: 40
Views: 4516

Re: Is [this] a stupid idea? - Extreme mortgage payoff

Do it! It's probably not the correct answer from a pure mathematical standpoint (assuming the market gives positive returns and you have decent portion of your retirement funds in the market). I know market timing is not highly regarded on this board but what are your thoughts on where our economy i...
by SwampDonkey
Tue Feb 05, 2013 3:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Is [this] a stupid idea? - Extreme mortgage payoff
Replies: 40
Views: 4516

Re: Landlord dilema

Are you local? If you are, I'd stop by the nieghbor's home and offer to have a look at the water heater with him. If the two of you can't figure it out together, suggest you head to Home Depot together to look for a new one and offer your assistance in installing the new one. Justification: You main...
by SwampDonkey
Wed Jan 16, 2013 2:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Landlord dilema
Replies: 33
Views: 2624

Contractor ruts up front yard -Long Distance landlord. Ahh!!

We currently live across the country from our rental. Last month, a windstorm knocked a giant oak tree across the front edge of our property. It didn't damage any structures or the yard but it was BIG and left about a 4-ft hole where the root ball was pulled up. After having three companies give quo...
by SwampDonkey
Tue Jan 15, 2013 12:26 am
 
Forum: Personal Consumer Issues
Topic: Contractor ruts up front yard -Long Distance landlord. Ahh!!
Replies: 15
Views: 1762

Re: How to DCA $20k in cash in a Roth IRA?

Thank you all for your different points of view.

Many great ideas were brought up and I will breach each idea with my friend. I'll update this thread in a month or so once action is taken.

Thanks again.
by SwampDonkey
Thu Dec 06, 2012 12:13 am
 
Forum: Investing - Theory, News & General
Topic: How to DCA $20k in cash in a Roth IRA?
Replies: 10
Views: 843

Re: Refi. from a 30 to 15 year mortgage - pay down principal

Q. How did I get such a low rate on a rental? A. Lots of research, time on the phone, and frustration after frustration. I had to call about 10 different lenders before I found one that looked past the "rental" aspect of my home (the first nine all offered reduced rates, nowhere near 3.25,...
by SwampDonkey
Wed Dec 05, 2012 1:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi. from a 30 to 15 year mortgage - pay down principal?
Replies: 12
Views: 1068

How to DCA $20k in cash in a Roth IRA?

Currently know someone who has $20k in cash in an IRA. Out of fear of losing the money by investing, they never did anything with the money except deposit it into the Roth and let it sit. I believe I have convinced them that over time, investing will result in greater gains than that of the simple i...
by SwampDonkey
Tue Dec 04, 2012 12:01 am
 
Forum: Investing - Theory, News & General
Topic: How to DCA $20k in cash in a Roth IRA?
Replies: 10
Views: 843

Re: Refi. from a 30 to 15 year mortgage - pay down principal

Hi Lulu, Although I am not near as knowledgeable as some on this board, I thought I'd add my personal experience: Original home was a 30 year fixed rate at 5% which was about $1650/month (including everything). I added an extra $125/month to principal. Only lived in the home for 18 months before mov...
by SwampDonkey
Mon Dec 03, 2012 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. from a 30 to 15 year mortgage - pay down principal?
Replies: 12
Views: 1068

Re: Home Office Furniture

We had the same situation a few years ago and decided to check Ikea out. Ended up with two Ikea desks that provide a huge amount of working space, two desk lamps, several magnetic boards that hang on the walls for papers/etc. and a bookcase. None of the furniture was solid built by any means but the...
by SwampDonkey
Thu Oct 18, 2012 11:07 am
 
Forum: Personal Consumer Issues
Topic: Home Office Furniture
Replies: 14
Views: 1657

Re: Car Buying Advice: 2012 Camry vs Sonata vs Passat vs Alt

My family was recently looking into the same category of vehicles. We narrowed it down to 2013 VW Passat TDI or a 2013 Legacy. We gave up on the Passat because of costs (cheapest we could get was high $20s). We were about to close on the Legacy (base model at $20,100) when we gave the Fusion a shot....
by SwampDonkey
Mon Sep 03, 2012 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Car Buying Advice: 2012 Camry vs Sonata vs Passat vs Altima
Replies: 31
Views: 2824

Blatantly lying in an auto advertisement - Recommendations?

Three weeks ago we spotted an ad for the 2012 Ford Fusion SE on sale for $14,131 (which includes lots of different discounts which we did not qualify for). We qualify for all discounts with the exception of one which puts our price at $15,131 which is about $9k below MSRP. This ad piqued our interes...
by SwampDonkey
Sun Aug 12, 2012 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Blatantly lying in an auto advertisement - Recommendations?
Replies: 7
Views: 964

Re: Graduate Degree before Military Retirement

Currently AD Navy on shore duty. In the middle of my 10th class towards my MBA at City University of Seattle. I wouldn't say the education has been outstanding by any means but I have learned a lot. Their classes are 10 weeks long and available online, hybrid, or in person. Reputation seems to be de...
by SwampDonkey
Fri Aug 03, 2012 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Degree before Military Retirement
Replies: 10
Views: 1326

Re: Car Dealership Repair Suggestions: Take Seriously or Not

My favorite stealership moment: Last vehicle was a 2003 Toyota Tacoma that I bought used in 2005. While at the Toyota dealership for my first oil change, they offered to "install" the OEM Toyota alarm system on my truck for a low low price of $250.Even though it piqued my interest, I said ...
by SwampDonkey
Thu Jun 28, 2012 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Car Dealership Repair Suggestions: Take Seriously or Not?
Replies: 43
Views: 3487

Anyone vacationed to Peru and hiked Machu Picchu?

My wife and I are looking to take one last vacation before we decide to settle down and start having kids. We've narrowed our choices to Vietnam, Scotland, and Peru (Machu Picchu). Due to the extent of hiking that I hope Machu Picchu includes, I think this is probably our best decision at our curren...
by SwampDonkey
Sat Dec 03, 2011 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Anyone vacationed to Peru and hiked Machu Picchu?
Replies: 28
Views: 2446

https://www.tenantscreeningreport.com/ I screened several tenants using the above site and I was very pleased with the results. It was approx. $30 per screening and the detailed information it provided was excellent. One of the nice features is that it does not require the landlord to take the SSN o...
by SwampDonkey
Thu Sep 29, 2011 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant check services when renting my house to a new renter
Replies: 11
Views: 1671

Just completed a cross country move and our movers helped themselves to my entire sound system. It gave me the opportunity to start a new system from scratch. I spent appox. 4-6 weeks researching everything (av forums, amazon, top10, newegg, av mags, etc..). $1,000 was the budget I was trying to sta...
by SwampDonkey
Sat Sep 03, 2011 12:24 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Audiophiles - Time to Upgrade Audio?
Replies: 24
Views: 2632

Mountain climbers Spider man push-ups Jump tucks Frog jumps Dive bombers Dips Bridges Planks Burpees Pull-ups Bicycles Combining them in to various workouts can give you an almost unlimited number of workouts when you vary which exercises with different sets/reps/order of exercise. Pyramid circuits ...
by SwampDonkey
Tue Aug 30, 2011 12:29 am
 
Forum: Personal Consumer Issues
Topic: Strength workouts without weights?
Replies: 47
Views: 4911

Thanks to ncounty, I called GMAC today and they were able to offer a VA streamlined loan for 30 yrs at 4.261% or a 15yr at 3.787%. Per the mortgage professor's calculator, that's only a 12 and 7 month payoff period for those loans (with $1500 in closing costs per GMAC). Even though the 15yr loan wil...
by SwampDonkey
Mon Aug 22, 2011 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to refi a rental?
Replies: 10
Views: 1248

FINALLY!!! A topic that I feel like I can constructively contribute to. It's about time... By the sounds of it, you're throwing a typical college party where you have no idea who exactly will be showing up; it's one of those, spread the word to a few friends and they spread to their friends and so o...
by SwampDonkey
Sun Aug 21, 2011 9:42 pm
 
Forum: Personal Consumer Issues
Topic: tryin to get the most alcohol for the buck for college party
Replies: 99
Views: 8785

Thank you all for the input.

Ncounty,
If you don't mind me asking, how much equity (percentage wise) do you have in the home you are refinancing? I ask because I have seen several loans which require 20% or greater.

Thanks again,
The donk
by SwampDonkey
Sun Aug 21, 2011 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to refi a rental?
Replies: 10
Views: 1248

How to refi a rental?

Hi, I purchased my first home in November of 2009 with a 30yr fixed rate at 5%. Our initial loan was a VA loan and it was for $257k. The loan is now owned by Bank of America (ugh...). The house would appraise for $265k(ish) and the current balance is $250k. Due to a military move, I now live across ...
by SwampDonkey
Sat Aug 20, 2011 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to refi a rental?
Replies: 10
Views: 1248

We had a very similar problem on an older, french-door, style of fridge. The problem for us was the fridge door was not getting a perfect seal when closed. This allowed outside (warmer and more humid) air to enter the fridge and would result in the freezing. We had a repairman replace the seal and t...
by SwampDonkey
Sun Jul 17, 2011 11:52 am
 
Forum: Personal Consumer Issues
Topic: Why does my refrigerator keep freezing?
Replies: 14
Views: 4182

Bought in 2005 --- A salvaged title 2003 Toyota Tacoma Ext Cab with TRD, SR5, 4x4, rear lockers, etc. etc. It had 28,xxx miles on it. I paid $15,000 for it. It's now at 112,xxx miles, no major maintenance needed, towed moving trailers across the U.S. twice, and amazingly, I'm still on the original s...
by SwampDonkey
Tue Jul 05, 2011 2:34 am
 
Forum: Personal Consumer Issues
Topic: How much do Bogleheads pay for their cars?
Replies: 79
Views: 7472

I expect that for a year or two after the Roth TSP introduction, the TSP Board will observe how it works. And then they may move to the next set of features. Victoria You pretty much hit the nail on the head, Victoria. I recently sat through a forum, presented by Gisile Goethe, a member of the Fede...
by SwampDonkey
Tue Feb 01, 2011 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP
Replies: 28
Views: 4733

Yes, the lease is from the internet. I thought about having an attorney take a look but the cheapest (which says something for the quality...) was $250 just to look over it. Seemed a bit expensive when I hadn't explored other options (ie. this forum).
Thanks again for all of the responses.
by SwampDonkey
Sat Jan 15, 2011 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: "Service of Notice" on Lease Agreement --- Thought
Replies: 17
Views: 1285

All responders - Thank you for responses. They have thus far provided the much needed insight and experience that I was hoping to get. Natureexplorer- I disagree. The purpose behind my xx month lease is not for commission structure; it is for continuity of tenants. I believe approaching any rental a...
by SwampDonkey
Sat Jan 15, 2011 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: "Service of Notice" on Lease Agreement --- Thought
Replies: 17
Views: 1285

There was no specific counter-proposal. His main concern was if something happened to him at work and he was no longer able to pay the rent, despite his best efforts, he would still be held liable for the entire rest of the lease. Personally, I don't think the clause sounds unreasonable. However, I ...
by SwampDonkey
Fri Jan 14, 2011 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Service of Notice" on Lease Agreement --- Thought
Replies: 17
Views: 1285

"Service of Notice" on Lease Agreement --- Thought

Hi guys, First time starting a thread so please take it easy on me. I am moving across the country in 6 weeks and will be leasing out my house while away. I have found a tenant that I trust and am comfortable with. However, after looking over my lease, he had a few issues with a few of the clauses. ...
by SwampDonkey
Fri Jan 14, 2011 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Service of Notice" on Lease Agreement --- Thought
Replies: 17
Views: 1285

One thing to add about debt prior to ADSD

1. I've only been browsing this site for a few weeks now and wow.... it is an absolute gold mine! Is there any way to accredit this and issue me a MBA in finance after a few more years of reading? 2. One huge benefit to add to your list, OP. Many service members join the service after screwing aroun...
by SwampDonkey
Mon Dec 27, 2010 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Military Investing
Replies: 122
Views: 32823

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