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Weight limit in a Civic?

I am preparing for a cross country drive in a 2012 Civic and was wondering how much weight is too much for a 2000+ mile drive? I have a lot of luggage that I want to carry in the car with me. Any suggestions on things to keep in mind - how much weight to carry? Also, I am not sure if it is true, but...
by jay22
Sat Mar 29, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Weight limit in a Civic?
Replies: 4
Views: 564

Re: Road trip advice?

My wife and I are moving to Sacramento, CA from Lansing, MI in 2 weeks or so. We'll be driving our 2012 Civic with luggage to the west coast. We plan to take I-80 all the way (we should hit it after about 200 miles from Lansing) to Sacramento. How many days do you think we need to reach there? We a...
by jay22
Wed Mar 26, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2230

Re: Road trip advice?

Got some great suggestions and advice here! Thanks so much to everyone.
by jay22
Tue Mar 25, 2014 8:02 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2230

Re: Road trip advice?

I think your distances are completely reasonable. If it were, and I was eager to get home, I might consider stretching it to 3, if I knew I could do it safely. (I'm also the type that likes to head out crazy early, see the sunrise, then stop for breakfast after an hour or two.) That won't work with...
by jay22
Mon Mar 24, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2230

Re: Road trip advice?

Thanks for the replied so far! Looks like our plan makes sense. We're looking fwd to the drive! I've done a similar cross country trip a number of times, most recently Washington State to Detroit. Though boring, your plan will work just fine. Just west of Omaha there are number of reasonable motel i...
by jay22
Mon Mar 24, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2230

Re: Road trip advice?

MP173 wrote:I have made two trips recently in the 850 mile range in one day...12.5 hours driving. Your plan is very doable.

Ed

Really? Maybe I am being way too conservative with my estimates then. :)
by jay22
Mon Mar 24, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2230

Road trip advice?

My wife and I are moving to Sacramento, CA from Lansing, MI in 2 weeks or so. We'll be driving our 2012 Civic with luggage to the west coast. We plan to take I-80 all the way (we should hit it after about 200 miles from Lansing) to Sacramento. How many days do you think we need to reach there? We ar...
by jay22
Mon Mar 24, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Road trip advice?
Replies: 35
Views: 2230

Re: Best smartphone in 2014?

InvestorNewb wrote:I need a new phone... my old one (now ancient) broke after 4 years of use.

I use the internet a lot and I also want one with the best camera for photos/video.

Any suggestions?

If you're looking for the best camera, go for iPhone. Can't beat it's picture quality and details.
by jay22
Wed Mar 19, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2242

Re: Best smartphone in 2014?

I have an S4 and my wife uses an iPhone 5. I have used Nexus 5, too. I can tell you that iPhone 5 is a lot better than both of them. I used to be a fan of android phones but I am going to switch to an iPhone when the next models comes out. They are much more refined, responsive and intuitive.
by jay22
Wed Mar 19, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2242

Switched to AIO from AT&T

I recently moved from to AIO from AT&T and thought I'd let you guys know my experience. In case anyone's considering moving to a MVNO, I can't recommend AIO enough. Porting my number was a breeze - once I inserted my new AIO sim, I was all set, didn't experience any down time. The data speeds ar...
by jay22
Fri Mar 07, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Switched to AIO from AT&T
Replies: 2
Views: 299

Re: Turbo Tax/Tax Act - Basic version

Thanks, guys. That's what I did - just entered the amount as it was listed in the 1099-DIV. But then, I checked my 1040 and saw the ordinary and qualified dividends in boxes 9a and 9b respectively. Ordinary dividend amount was added to my income. How would I ensure that the qualified ones are taxed ...
by jay22
Tue Feb 11, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1215

Re: Turbo Tax/Tax Act - Basic version

I had a follow up question on the 1099-DIV form (this is the first time I have received it, so trying to make sure I understand how it is structured and such). What is the difference between total ordinary dividends (box 1-a) and qualified dividends (box 1-b)? I understand that qualified dividends a...
by jay22
Tue Feb 11, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1215

Re: Turbo Tax/Tax Act - Basic version

I don't need to file Schedule D since I didn't sell anything in 2013. Which is why I was wondering if the basic will do just fine for what I am trying to do. To answer your question, Basic desktop version will do just fine. It wll do any personal tax return you can throw at it. Thanks. I am assumin...
by jay22
Thu Feb 06, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1215

Re: Turbo Tax/Tax Act - Basic version

I don't need to file Schedule D since I didn't sell anything in 2013. Which is why I was wondering if the basic will do just fine for what I am trying to do.
by jay22
Thu Feb 06, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1215

Turbo Tax/Tax Act - Basic version

Forgive me for asking this naive question. This is the first time I am doing my own taxes using Turbo Tax or Tax Act (can't decide which one I should go with). I only have W2, 1099-INT and 1099-DIV to be taken care of. tIRA and standard deductions, no mortgage, kids etc. Do I really need anything ot...
by jay22
Thu Feb 06, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/Tax Act - Basic version
Replies: 21
Views: 1215

Re: Are we eligible for tIRAs?

Anyone with earned income who is less than 70.5 years old can contribute to a tIRA. The question is whether it is deductible or not. That does depend on income, whether you (or your spouse) are covered by a plan at work, etc. This link should help. http://www.irs.gov/Retirement-Plans/IRA-Deduction-...
by jay22
Thu Jan 09, 2014 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we eligible for tIRAs?
Replies: 7
Views: 271

Re: Are we eligible for tIRAs?

If you two dont have retirement plans at work, then you should be able based on the http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/2014-IRA-Contribution-and-Deduction-Limits---Effect-of-Modified-AGI-on-Deductible-Contributions-if-You-are-NOT-Covered-by-a-Retirement-Plan-at-Work . Th...
by jay22
Thu Jan 09, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we eligible for tIRAs?
Replies: 7
Views: 271

Are we eligible for tIRAs?

I have a tIRA with Vanguard and I started my wife's tIRA last year after we got married. She wasn't working last year, but she'll be going back to work this year around summer. As such, our household income will go up (from 107K last year to 150ishK this year). I don't have a 401K from work, and we ...
by jay22
Thu Jan 09, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are we eligible for tIRAs?
Replies: 7
Views: 271

Re: First time doing my own taxes

I'll be doing my taxes this year myself as well. 2013 was when I started taxable investing, so will be interesting to see how that goes in the tax forms (I am assuming Vanguard will send me the necessary tax info?). Do people here have a preference for any particular company? I have heard great thin...
by jay22
Fri Jan 03, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1591

Re: What Was Your Best Portfolio move in 2013

2013 was a monumental year for me. This was the first time I spent and saved like I should have after finishing grad school 5 years ago. I got married in Jan this year and with it I got some much needed financial sense into me. 1. Made an IPS (thanks, Sunny) and made a resolution to stick to it come...
by jay22
Mon Dec 30, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7039

Re: How many folks have a dog?

WHAT DOGS TEACH US Live simply. Love generously. Care deeply.. Speak kindly. Remember, if a dog was the teacher you would learn things like: When loved ones come home, always run to greet them. Never pass up the opportunity to go for a joyride. Allow the experience of fresh air and the wind in your...
by jay22
Fri Dec 27, 2013 11:43 am
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 6459

Re: Discoveries with my new Paperwhite

Thanks for the thoughts. I've heard generally glowing things from a friend who often uses his Paperwhite. One hesitation I have: the fewer the devices the better. I have an iPhone with Kindle app (in addition to hundreds of pounds of good, old fashioned books). Reading with an iPhone is merely ok v...
by jay22
Fri Dec 20, 2013 11:28 am
 
Forum: Personal Consumer Issues
Topic: Discoveries with my new Paperwhite
Replies: 21
Views: 1809

Re: Should I move to California from Midwest?

I went to grad school in LA and many of my friends moved to NorCal after graduation. I worked in DC for 4 years and moved to Central Michigan 2+ years ago. If I have my way, I'd never move out of here. Job is less stressful, no traffic, commute is no problem and everything is pretty low-key (which I...
by jay22
Fri Dec 20, 2013 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 7639

Re: Best cheap Motel for overnight stay?

Try AirBnb, you'd be surprised. Much nicer places to stay, friendly people and you can always find comparable rates to budget hotels.
by jay22
Thu Dec 19, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 5393

Re: Kindle Paperwhite web browsing experience

The paperwhite is not a tablet - isn't meant to browse the web; IMO, it's only meant to read book. It does that brilliantly. I'd suggest you should look at Kindle fire or Nexus 7 if want to complete tablet experience.
by jay22
Thu Dec 19, 2013 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite web browsing experience
Replies: 9
Views: 990

Re: Tipping a taxi driver on a snow day?

I think you were far more generous. I wouldn't have tipped him if I was in your shoes.
by jay22
Wed Dec 18, 2013 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Tipping a taxi driver on a snow day?
Replies: 36
Views: 2353

Re: Kindle ebooks -- free versions vs low priced versions?

Make sure you sign up at bookbub.com. They send you daily kindle deals based on your interests. I have got a bunch of great books for free (or $1-2). You won't regret it.
by jay22
Wed Dec 18, 2013 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Kindle ebooks -- free versions vs low priced versions?
Replies: 6
Views: 580

Re: should my nephew apply to a top-tier university?

Not sure about other schools, but I am hearing that my alma mater, USC, has significantly increased scholarships in the last few years. My experience there was absolutely amazing and would not hesitate to recommend applying there to any bright kid.
by jay22
Tue Nov 26, 2013 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 11277

Re: New job in DC - where to live

Rosslyn or Clarendon will be your best bets. You can absolutely bike from Rosslyn to McPherson Square.
by jay22
Mon Nov 25, 2013 12:45 pm
 
Forum: Personal Consumer Issues
Topic: New job in DC - where to live
Replies: 34
Views: 2271

Re: AT&T MVNO Suggestions

My wife has an airvoice plan and she loves it. Service is great and she pays $30 for 100MB data which is more than enough for her. I will switch to airvoice or straight talk in Jan when my contract is over. Can't justify the high fees and stick with AT&T. Is there a difference in the data speeds...
by jay22
Fri Nov 22, 2013 2:18 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2137

Re: Converting to Safety Razors

I got a Merkur razor about a year ago. I have tried a lot of different ways to shave: ie: Fusion, Hydro5, safety razor, brush and shave cream/soap, Aveeno Shave cream. I just got a box (from Amazon) of Astra blades (100 for $12.00 + shpg); have also used Feathers and Sharks. I have been "exper...
by jay22
Tue Nov 19, 2013 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 3792

Re: Tax implications on taxable accounts

Although I have met my goals for investing in 2013, I have some more cash to invest and I wanted to get some advice from the wise heads here. I will be investing 5.5-6k in my taxable account (70/30 TSM/TISM). Is there a time frame I should look at considering the concept of "buying the dividend...
by jay22
Wed Nov 06, 2013 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax implications on taxable accounts
Replies: 35
Views: 2742

Re: Cash Rewards Credit Cards

I have a question for the people with the Amex Fidelity 2% card. Do you have to have a brokerage account with Fidelity with a minimum amount in it to redeem the cash back? I was reading somewhere that you can open an account with Fidelity, keep it at 0 balance and after you get the cash back, just g...
by jay22
Thu Aug 08, 2013 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash Rewards Credit Cards
Replies: 76
Views: 11751

Re: more than one credit card?

I wanted to get the Citi Forward card (5% on eating out and movies). Is that only available to current students? I was applying for it this morning and I see they ask for school information in the application. Can anyone clarify this? Thanks!
by jay22
Mon Jul 29, 2013 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3406

Re: more than one credit card?

I currently have around 10 active credit cards. It seems kind of crazy but I know people with much more than this amount of credit cards. Having this many credit cards really helps to optimize the cash back. Here is an example of some of the cash back / points I earn: 5% back on cell phone bill 5% ...
by jay22
Fri Jul 26, 2013 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3406

Re: Road trip: Chicago to Yellowstone

schnoodlemom wrote:Jay22 - Check ahead for Yellowstone in November. I believe a lot of the park will be closed due to snow.

Yeah, that limits our options, I know.
by jay22
Wed Jul 24, 2013 10:44 am
 
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 2189

Re: Road trip: Chicago to Yellowstone

Some great responses here! We are planning to do a roadtrip during Thanksgiving this year (from central MI to don't know where), and all this info will come handy. :confused How will the information in this thread "come in handy" for a road trip to a place that has yet to be determined? I...
by jay22
Wed Jul 24, 2013 10:44 am
 
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 2189

Re: Road trip: Chicago to Yellowstone

Some great responses here! We are planning to do a roadtrip during Thanksgiving this year (from central MI to don't know where), and all this info will come handy.
by jay22
Tue Jul 23, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 2189

Re: Why not pay credit card bill as soon as it arrives?

I pay it off as soon as I get the email. One less thing to worry about.

But that's just me, I prefer to keep things simple in life. :)
by jay22
Fri Jul 12, 2013 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 4898

Re: How to get over finance envy

OP, I totally understand what you're saying. Till last year, I was doing OK - never used to feel an financial envy, maybe because I was earning close to six figures and was spending less than 35K a year, so had a good amount of savings. I was engaged to a beautiful woman and used to think that savin...
by jay22
Wed Jul 10, 2013 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 16374

Re: 30 years at Vanguard

That's brilliant. Congrats sir!
by jay22
Tue Jul 09, 2013 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 30 years at Vanguard
Replies: 19
Views: 2910

Re: Credit Cards vs Debit Cards

daytona084 wrote:My current lifetime cash-back reward tally is $8521.69. That's more than I paid for my last car.

That's over how many years?
by jay22
Mon Jul 08, 2013 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Cards vs Debit Cards
Replies: 54
Views: 3082

Re: Wife needs advice on finding entry level IT job

I have worked as a software consultant in the DC/Baltimore area for about 4 years and I can tell you that the software market there is pretty hot. Having no experience can be a hindrance, but I know so many recent graduates which easily got a job in that area. Keep on applying, network like crazy an...
by jay22
Mon Jul 01, 2013 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife needs advice on finding entry level IT job
Replies: 29
Views: 2394

Re: I have no idea what I want to do as a career

Consider an MS in computer science or software engineering. It can be a very laid-back career Is this a joke? Nope. Working less than 40 hours per week is not at all unusual in this industry outside of Silicon Valley. If you choose to move to the Valley, you know what you're getting into. Laid-back...
by jay22
Thu Jun 27, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have no idea what I want to do as a career
Replies: 80
Views: 4369

Re: Thoughts on lump sum investing?

Do you guys use DCA or LS investing for taxable accounts as well? This year was the first time I invested in a taxable account. I bought TSM and TISM at their highest prices this year. :( I anticipate that I'll invest at least 30-35K every year from now on in taxable and fully fund the IRAs. Does lu...
by jay22
Tue Jun 25, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 2350

Re: Cheap Razors

FWIW, after using the mach 3 for 5-6 years, I recently switched to old school shaving using a DE razor and I have to say I am very, very satisfied. The shave is much better and it causes way less irritation to my face. I am able to get 10 shaves out of one blade, and one blade is about 30-40 cents. ...
by jay22
Tue Jun 25, 2013 9:24 am
 
Forum: Personal Consumer Issues
Topic: Cheap Razors
Replies: 81
Views: 6394

Re: New Car Advice

Take a look at Honda Civic as well. I bought the 2012 Civic 18 months back and haven't had to pay anything on it till now except gas and insurance. Great drive as well, I don't have any regrets at all. I get an average of 38-40 on highways and 28-30 in the city. Can't beat that, unless you get a hy...
by jay22
Fri Jun 21, 2013 8:34 am
 
Forum: Personal Consumer Issues
Topic: New Car Advice
Replies: 58
Views: 4435

Re: Record Keeping for taxable account

Help me understand one thing here. Maybe I am looking at it in a wrong way. Consider the case where you reinvest your dividends and cap gains. Essentially, aren't you paying taxes twice - you would pay tax on the distribution and then a capital gain tax on the sale. I understand it's a different typ...
by jay22
Thu Jun 20, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Record Keeping for taxable account
Replies: 37
Views: 1707

Re: Why buy expensive cars

When I was a poor grad student 4-5 year ago, I always used to tell me that I'll buy a benz or an audi after I graduate and get a job. When the time came and it was time to get the checkbook out, I couldn't justify the cost of those cars to myself, not to mention the high maintenance costs as well. E...
by jay22
Thu Jun 20, 2013 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 25756

Re: New Car Advice

Take a look at Honda Civic as well. I bought the 2012 Civic 18 months back and haven't had to pay anything on it till now except gas and insurance. Great drive as well, I don't have any regrets at all. I get an average of 38-40 on highways and 28-30 in the city. Can't beat that, unless you get a hyb...
by jay22
Thu Jun 20, 2013 1:29 pm
 
Forum: Personal Consumer Issues
Topic: New Car Advice
Replies: 58
Views: 4435
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