Search found 80 matches

by tjschraf
Wed Mar 11, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: parents buying rental condo- questions
Replies: 6
Views: 791

Re: parents buying rental condo- questions

Thanks for the reply so far. It's an interesting situation. It's essentially buying a hotel room. There are 43 rooms and they would own 1/43. It's a cash deal. The location is huge and its a very exclusive neighborhood. My brother lives in it too. He will likely not be leaving any time soon he's a c...
by tjschraf
Tue Mar 10, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: parents buying rental condo- questions
Replies: 6
Views: 791

parents buying rental condo- questions

Hello all, This forum has been loads of help for me since joining and I am hoping that someone can give me some insight on this. I know it's largely not my business, but I want to make sure my parents are making the right decision. My mom has been very excited to do it and they have accepted her off...
by tjschraf
Wed Feb 04, 2015 8:11 am
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3632

Re: job advice: move to Florida Keys??

Uodate: I made it to the keys last Friday. I really appreciate everyone's responses and thank you very much! Now I just need to start making some money lol
by tjschraf
Sat Jan 03, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: job advice: move to Florida Keys??
Replies: 21
Views: 3632

job advice: move to Florida Keys??

Hello all, It's been a while since I have posted on here. I absolutely love reading all of the threads and am always addicted. Last time I have asked for job advice it seemed to be beneficial so I am hoping for some help here. I just turned 25 and am in a co-op position for a large company. I am a c...
by tjschraf
Fri Mar 07, 2014 12:43 am
Forum: Personal Consumer Issues
Topic: where to go to make a database
Replies: 5
Views: 494

Re: where to go to make a database

Thank you all! This weekend is dedicated to a lot of research! All the info is so helpful
by tjschraf
Mon Mar 03, 2014 10:14 pm
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 7127

Re: Used $35k Porsche on $64k income?

The numbers all work if you ask me. But what I would want is something a bit more reliable or at least with a warranty. The porsche will most likely not have a warranty. I have cranes, a four post lift, and tools and nice discounts and would still be terrified driving that porsche without a warranty...
by tjschraf
Mon Mar 03, 2014 10:08 pm
Forum: Personal Consumer Issues
Topic: where to go to make a database
Replies: 5
Views: 494

where to go to make a database

I am in no way a computer person but I am making a website (or having one made). It's been a long time passion and plan and I want to bring it to fruition. I have some questions though: I will need a searchable database. Essentially, I will need capabilities for a user to input different information...
by tjschraf
Thu Feb 13, 2014 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Colleague given land in Fla Keys
Replies: 25
Views: 2071

Re: Colleague given land in Fla Keys

What key ?

My brother just bought a house in key colony beach (exclusive part of marathon key). Its booming there!
by tjschraf
Thu Feb 06, 2014 8:14 am
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 7542

Re: $25K Budget for a Fun Car

1987 Buick grand national?
by tjschraf
Wed Jan 29, 2014 1:45 am
Forum: Personal Finance (Not Investing)
Topic: How long did it take to realize compounding interest
Replies: 45
Views: 4388

How long did it take to realize compounding interest

I am a relatively younger boglehead at 24 and this question has had me wondering. How long did it take in say, your vanguard account, to really get hooked? Now, I don't doubt it at all nor do I check it often (checked my account once since my 2013 contributions). But from many older people I talk to...
by tjschraf
Mon Jan 20, 2014 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Car Decision - Switching Worth it?
Replies: 8
Views: 942

Re: Car Decision - Switching Worth it?

If you want a prius....NO BRAINER.

$2,000 isn't the end of the day. Do yourself a favor and look into a volt.
by tjschraf
Mon Jan 20, 2014 11:08 pm
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 5384

Re: Truck/Car Envy....How do You Deal with It?

I battle this daily. I have averaged during my lifetime of driving ~2-4 cars per year. I do it in a way where I do not lose, and if I do, it's not a horrible loss. I love cars and always will. I have more than an obsession, they are my absolute passion. I agree life is short and enjoying what you dr...
by tjschraf
Thu Jan 16, 2014 3:26 pm
Forum: Personal Consumer Issues
Topic: Car miles vs air miles???
Replies: 9
Views: 795

Re: Car miles vs air miles???

Put the miles on your car!!! That's why you own it. My father, not the most bogleheaded decision, drives a new f250 40k miles a year and will not hesitate to drive it across the country. You have very low miles and good fuel economy to boot.
by tjschraf
Wed Jan 15, 2014 10:40 am
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1276

Re: engineering certifications

I said I haven't done the math. I have no problems doing the math. I don't think it's a smart decision to begin another 4 year degree and get the engineering degree when I am 24 and completed undergrad and almost an MBA. I don't see it as the smartest thing to do. What I asked for was other potentia...
by tjschraf
Wed Jan 15, 2014 9:42 am
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1276

Re: engineering certifications

Thank you all for the replies. I just never thought of it initially and do not deem it worth it to go back if it means another whole degree. I have not even done the math and science prereqs. I will see if I can speak to an advisor at the school I am doing my MBA at and see if they have any recommen...
by tjschraf
Wed Jan 15, 2014 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Should my son pay me rent, utilities, etc...?
Replies: 124
Views: 10490

Re: Should my son pay me rent, utilities, etc...?

In my opinion, all kids develop differently and it's just a matter of finding that motivation. He will always make do, everyone finds a way. Even if it is not the ideal path. Your son has a job and has had it for a while. College is not for everyone. How is your overall relationship with him? The ma...
by tjschraf
Wed Jan 15, 2014 1:11 am
Forum: Personal Consumer Issues
Topic: engineering certifications
Replies: 15
Views: 1276

engineering certifications

To make a long story short, when I was in my undergrad I never thought of doing engineering. Now, that I work so closely with engineering in my field, I trouble myself with why I did not do my degree in engineering. I am wondering if there is a way to go back without having to get another bachelors ...
by tjschraf
Fri Jan 10, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3475

Re: Any Car Enthusiasts?

Wow, didn't know there were so many of you on here. Great list of cars too. I was thinking about Z06/Viper combinations but in the end, living in California is not the greatest for if you want to modify your car. At least with old school muscle, you are smog exempt for anything older than 1975 whic...
by tjschraf
Fri Jan 10, 2014 1:23 pm
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3475

Re: Any Car Enthusiasts?

Wow, didn't know there were so many of you on here. Great list of cars too. I was thinking about Z06/Viper combinations but in the end, living in California is not the greatest for if you want to modify your car. At least with old school muscle, you are smog exempt for anything older than 1975 whic...
by tjschraf
Thu Jan 09, 2014 2:47 pm
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3475

Re: Any Car Enthusiasts?

Not a car fan myself, but honest question here - How the heck to you young guys afford to buy so many cars at such a young age? Even if you're getting them heavily used for $2000 range, even two of those would break the bank of most 18-22 year old guys. I probably would have been a car guy myself, ...
by tjschraf
Thu Jan 09, 2014 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and Money
Replies: 32
Views: 3387

Re: Marriage and Money

Similar situation as you...just read your car post too and replied. I have had a long term girlfriend and I have always been anti debt, she has around 40k...it terrifies me and I am nowhere near your income level (24 years old though and in grad school). I will not graduate grad school without any d...
by tjschraf
Thu Jan 09, 2014 11:00 am
Forum: Personal Consumer Issues
Topic: Any Car Enthusiasts?
Replies: 47
Views: 3475

Re: Any Car Enthusiasts?

I am on the same page as you!! I switch quite a bit, since turning 16 (24 now): -2001 Camaro v6 (bought a year before I got my license at 15) -2005 Hummer H2, 2004 Chrysler 300m, 2006 Pontiac GTO (torrid red)- drove quite a bit through high school parents cars at the time -2001 Lexus IS 300 (great c...
by tjschraf
Fri Jan 03, 2014 12:10 pm
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 18
Views: 2219

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

I would stay away from the IS250. They are known to have carbon build up (your warranty will cover it however). I have heard they are very sluggish as far as power is concerned. The new body style has just come out. I think the price is too high as well. I bought a 2006 IS 350 in 2011 with 18k miles...
by tjschraf
Wed Dec 18, 2013 2:17 pm
Forum: Personal Consumer Issues
Topic: 2012 vehicle, high mileage, former rental. Opinions?
Replies: 42
Views: 2968

Re: 2012 vehicle, high mileage, former rental. Opinions?

go for it, you have 1 year to figure out the little problems (warranty). You also have a good powertrain warranty. Who beats on Impala rentals? I feel sorry for the people who beat on them for enjoyment....
by tjschraf
Tue Dec 17, 2013 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Vehicle Allowance or Company Vehicle?
Replies: 17
Views: 618

Re: Vehicle Allowance or Company Vehicle?

I would never take a car that I am constantly being watched in. $1000 per month can get you the car of your choice most likely including insurance and gas. I would take that in a heart beat. A flat tire is not expensive. You pull over, put the spare on, and replace the one tire. For as seldom as the...
by tjschraf
Sun Dec 15, 2013 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1575

Re: Job questions please help!!

Thank you guys very much this has been very helpful. I really have taken it all into account and am pretty nervous since I have to decide by TOMORROW. Anyway, I have worked very closely with a family friend over the years planning from my family friend who is an executive recruiter. She echoed the &...
by tjschraf
Sun Dec 15, 2013 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1575

Re: Job questions please help!!

OP Here, Well thank you all so much for your help. I have taken it all and it has helped me. I think this is the last of this thread, but I hit another "issue". I went to the interview Friday for the job I did not think I would take, since it was another co-op and assumed less pay. Well, t...
by tjschraf
Wed Dec 11, 2013 4:06 pm
Forum: Personal Consumer Issues
Topic: How long do you keep your cars? Why do you replace it?
Replies: 72
Views: 5315

Re: How long do you keep your cars? Why do you replace it?

On average less than a year to a year. Sounds bad but it works for me. I always buy used from private owner. Drive for 10-20k miles and try to sell just around the price I have into it including taxes. Now I do not include maintenance of say oil changes, tires, etc. Since in my opinion, no matter wh...
by tjschraf
Wed Dec 11, 2013 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1575

Re: Job questions please help!!

Thank you guys. I would have no problem going if it weren't for me being at work. Now I need to think up another excuse. I am someone who hates missing things period. Seems I have been missing a lot lately for interviews. I suppose I'll go anyway.

Any other suggestions, please offer them up.
by tjschraf
Wed Dec 11, 2013 9:07 am
Forum: Personal Consumer Issues
Topic: Tips for buying a $2,000 car
Replies: 31
Views: 2775

Re: Tips for buying a $2,000 car

You might also take a look at older Lexus or Acura models. I bought a mid-90's sedan in your price range from my mechanic. It was a single-owner car (until the mechanic bought it) with a full set of dealer service records. You get the Totyota/Honda reliability, but because the cars are so old, you ...
by tjschraf
Wed Dec 11, 2013 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1575

Re: Job questions please help!!

OP HERE, UPDATE: I thank you all very much for your sound advice it helped me tremendously and, two weeks ago, I went to my boss and spoke to him very honestly. He was getting ready to leave the country again. He told me that the decision had already been made that I was staying and there were no is...
by tjschraf
Thu Dec 05, 2013 3:09 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1222

Re: Should I sell my car, or wait?

Are there any cars that work as daily drivers that could fit your desire for a fast car? Subaru STi or whatever their sporty version is? Audi TT? My brother drove around the old Acura Type R for a long time with this in mind exactly. As for your predicament though. A private party sale may take a l...
by tjschraf
Thu Dec 05, 2013 3:03 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1222

Re: Should I sell my car, or wait?

well, me being a car person, I understand that completely. Why do you have to trade it in? Why not sell privately? I have an extra car that is very nice- 20k miles, 500 hp, and immaculate, it sits in the garage during the winter. I picked up a $3,000 Lexus to drive for the next few months and will ...
by tjschraf
Thu Dec 05, 2013 2:30 pm
Forum: Personal Consumer Issues
Topic: Should I sell my car, or wait?
Replies: 23
Views: 1222

Re: Should I sell my car, or wait?

well, me being a car person, I understand that completely. Why do you have to trade it in? Why not sell privately? I have an extra car that is very nice- 20k miles, 500 hp, and immaculate, it sits in the garage during the winter. I picked up a $3,000 Lexus to drive for the next few months and will s...
by tjschraf
Tue Nov 26, 2013 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1575

Re: Job questions please help!!

Hello all,

I really appreciate the help. So far I have requested one vacation day since I am still waiting to hear from the others.

I really am thankful for this forum!
by tjschraf
Mon Nov 25, 2013 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1575

Job questions please help!!

Hello guys, I am hoping for some expert opinions from this board that I have gained so much from. I am currently a co-op and work for a great company, as a co-op, I make 34k per year but get no benefits at all. I am okay with this since I am getting my MBA at the moment and am 23 so am covered under...
by tjschraf
Thu Nov 21, 2013 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: tax advantages for MBA?
Replies: 8
Views: 683

Re: tax advantages for MBA?

In that case your parents probably won't be claiming you. You can claim the LLC and assuming you had $5600 of qualified expenses, offset up to $1120 of any Federal tax liability. This may also sound like a stupid question, but I claim 0, I receive a return every year so I will not be offsetting any...
by tjschraf
Thu Nov 21, 2013 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: tax advantages for MBA?
Replies: 8
Views: 683

Re: tax advantages for MBA?

Thank you guys! Some very nice explanations here and I appreciate it very much! Wish I had knowledge to contribute to other people! Anyway, I may not have made it clear. I started my internship half way through the year (separate from the work I did for school) and will have made 20k by end of year ...
by tjschraf
Wed Nov 20, 2013 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: tax advantages for MBA?
Replies: 8
Views: 683

tax advantages for MBA?

Hello guys, Not sure if it has been posted, I have looked for answers to this. I am not knowledgeable on taxes in any way. I am an MBA student, 23 years old, live at home, work as intern (40 hours a week). I am in Michigan and have paid my tuition out of pocket. Are there any advantages when it come...
by tjschraf
Tue Nov 19, 2013 11:50 am
Forum: Personal Consumer Issues
Topic: Landscaper Costs
Replies: 40
Views: 2522

Re: Landscaper Costs

I was the neighborhood kid.....AM the neighborhood kid. I charge 20$ a lawn and one neighbor pays me 50$ a week to cut twice. In total, each lawn takes about 45 minutes to an hour. I love doign it, it is therapeutic and we all get a good deal on it. I use a push lawn mower so the yards look much nic...
by tjschraf
Fri Nov 15, 2013 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Getting 16 yr old started in investing
Replies: 21
Views: 977

Re: Getting 16 yr old started in investing

Don't know if this has been suggested, but isn't the minimum on target retirement funds, 1,000$ (may still be higher than you expect but 1/3 of $3,000)
by tjschraf
Fri Nov 15, 2013 12:50 pm
Forum: Personal Consumer Issues
Topic: Advice on what to do summer before senior year high school
Replies: 63
Views: 3235

Re: Advice on what to do summer before senior year high scho

this is one of his last "summers", I would not pressure him into doing anything. I had one of the best summers of my life that summer (08). I recently have been down the path. If he wants to do some of the programs then by all means, they would be great for him. I had saved up plenty of mo...
by tjschraf
Mon Nov 11, 2013 9:37 am
Forum: Investing - Help with Personal Investments
Topic: 22/Government Job/Need Advice
Replies: 13
Views: 1477

Re: 22/Government Job/Need Advice

I would pay off the car as well.

Can you work as much overtime as you want, every week is there overtime opportunity?

I would certainly take advantage of all the OT opportunity that was pushed my way. 72 hours is not that bad.
by tjschraf
Wed Oct 23, 2013 11:45 am
Forum: Personal Consumer Issues
Topic: First step to freedom - thanks Bogleheads!
Replies: 5
Views: 890

Re: First step to freedom - thanks Bogleheads!

Congratulations!

I am very happy to have found it too, at 23. I plan to live out most everything I read here. The only one I can not wrap my head around is driving a toyota and driving it for 20 years... :P

But, I'll try to make it work providing cars are my only vice.
by tjschraf
Wed Oct 23, 2013 11:26 am
Forum: Personal Consumer Issues
Topic: [Major hail damage on new car. What should insurance do?]
Replies: 6
Views: 938

Re: [Major hail damage on new car. What should insurance do

I believe you can also file for more since your value is now hurt being that there was damage. Something like "dimished value"
by tjschraf
Mon Oct 21, 2013 3:04 pm
Forum: Personal Consumer Issues
Topic: Auto accident - Repair it or keep the money for next vehicle
Replies: 12
Views: 903

Re: Auto accident - Repair it or keep the money for next veh

I would not repair it and I also would lower your insurance to something cheaper if it is not already. In Michigan, PLPD. No need to pay for accident coverage on a car that is worth 1,800. $2500 - $700 you claim in damage.
by tjschraf
Mon Sep 30, 2013 9:26 pm
Forum: Personal Consumer Issues
Topic: F150 Fair Price
Replies: 12
Views: 1218

Re: F150 Fair Price

I like the f150 but would personally go super duty if it were me. The superduty in 11 got an amazing facelift that should be sticking around for a while. Not to mention in many ways it's a better truck, especially the 6.7 powerstroke. My dad bought an 11 in 12 with 27k miles. His is a 2011 f250 load...
by tjschraf
Fri Sep 27, 2013 1:54 pm
Forum: Personal Consumer Issues
Topic: Car Lease as part of a compensation package
Replies: 27
Views: 1565

Re: Car Lease as part of a compensation package

I like the perk, I think most people would really like this. I think you could get a very good deal if you bought them all at once. However, I wouldn't like such "uniform-ness". I would choose an auto group, use the same sales person but give more of a variety. Lot's of delaerships own oth...
by tjschraf
Thu Sep 26, 2013 11:24 am
Forum: Personal Consumer Issues
Topic: KIA Optima Passenger Seat
Replies: 27
Views: 6366

Re: KIA Optima Passenger Seat

all the more reason to not buy kia's
by tjschraf
Mon Sep 23, 2013 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 25011

Re: Young Guys Making Good Money

I was going to post this exact question. I too am not sure how they are doing it. I am in a low cola area I believe as well. But I am no where near these guys and I am responsible for paying my own grad school. I don't have any idea how these relatively entry level 23 year olds are making that money...

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