Search found 1032 matches

by DTSC
Fri Apr 29, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1150

Re: Chase Sapphire Question

A little off topic, but you might be interested in this site: http://millionmilesecrets.com/new-to-miles-points-start-here/
by DTSC
Thu Apr 28, 2016 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 4022

Re: Young Male Living with Parents

Based on my observations of adults living with their parents - the money saved on rent is often spent on therapy.
by DTSC
Sat Apr 23, 2016 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA versus Individual 401K versus SIMPLE IRA ..etc
Replies: 3
Views: 321

Re: SEP-IRA versus Individual 401K versus SIMPLE IRA ..etc

My wife has her solo 401K with Fidelity. Fidelity (but not Vanguard) allows rollovers of IRA's into the 401K plan. This will allow you to make backdoor Roth contributions in the future, without worrying about converting (and paying taxes on) your existing IRA's
by DTSC
Fri Apr 22, 2016 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Advice on starting new job as 1099
Replies: 5
Views: 434

Re: Advice on starting new job as 1099

If you have any old IRA's, you might want to open solo 401K's at Fidelity instead of Vanguard. This is because Fidelity allows rollovers into their 401K while Vanguard does not. Rolling your IRA's into a 401K will allow you to do backdoor Roths in the future without worrying about converting the old...
by DTSC
Mon Apr 18, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 52
Views: 2490

Re: Passport photo DIY - anyone done it easily?

Just pay $5 at Costco. I used to DIY, but it just isn't worth the time and bother.
by DTSC
Mon Apr 11, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: Great Deal on Quicken 2016 Home & Business
Replies: 13
Views: 1067

Re: Great Deal on Quicken 2016 Home & Business

frugalfraggle wrote:Sounds like they are trying to eek out every last penny before Quicken moves to its new home.


Which new home are you referring to?
by DTSC
Sat Apr 09, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Honda Odyssey
Replies: 41
Views: 3157

Re: Honda Odyssey

bloom2708 wrote:It won't be relevant. We had a 2007. Nice features. We had engine trouble at 60k. The front middle spark plug fell out. All service was done at the Honda dealer. Just bad luck?

I stick with Fords now.


We have a 2008. Exact same problems, even after the engine recall.
by DTSC
Sat Apr 09, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: I Forgot to Convert My Backdoor Roth - Now What?
Replies: 13
Views: 1488

Re: I Forgot to Convert My Backdoor Roth - Now What?

Start a small business (sell stuff on Ebay, mow your neighbor's lawn). Now you can open a solo 401K plan at Fidelity. Use Fidelity as they allow rollovers into their 401K plans (Vanguard does not). Roll the IRA money into your new solo 401K plan. Voila, pro-rata problem solved. see this article by T...
by DTSC
Thu Apr 07, 2016 10:49 pm
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1278

Re: Need Super Epoxy / Glue / Adhesive for external stone to metal connection

Or you can try Shoe Glue. I've used it on shoes and it is highly flexible even when dried. But I'm not sure how well it will stick to Aluminum though.

http://www.amazon.com/Shoe-Boots-Gloves ... B007KRO4T4
by DTSC
Thu Apr 07, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1278

Re: Need Super Epoxy / Glue / Adhesive for external stone to metal connection

As you have noticed, aluminum expands too much compared to the stone, causing shear forces and making the glue crack. So I don't think gluing is the way to go. Maybe you should try drilling some holes into the stone. Then cut longitudinal slots into the aluminum. Use toggle bolt type screws (such as...
by DTSC
Wed Apr 06, 2016 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: 19 year old looking for guidance and advice
Replies: 28
Views: 1810

Re: 19 year old looking for guidance and advice

Maybe a little off topic here, but IMHO your biggest investment should be in your education/training so that you can find a job/career which pays more than $1400 per month. Don't get me wrong, there's nothing wrong with working in a warehouse, except the pay is not great and you might not have oppor...
by DTSC
Mon Mar 28, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a mortgage
Replies: 3
Views: 367

Re: Should I get a mortgage

...the negative aspect of this would be we probably will be leaving in 2-3 years... Regardless of all other factors, the fact that you will probably move in 2-3 years is a good reason not to buy a house. This is unless you're absolutely SURE that it'll appreciate significantly - enough to offset an...
by DTSC
Sat Mar 26, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: When to take time off to travel
Replies: 28
Views: 2306

Re: When to take time off to travel

I'm just guessing, but someone with an engineering background might well be in demand in the Peace Corp. Once you're overseas, you can travel around that part of the world.

Another option is to teach English in Asia, then travel around there.
by DTSC
Sat Mar 26, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5248

Re: Europe Trip in August

kxpatel wrote:Besides you can't let these crazy people run your lives.

We want to take kids to Europe next year and wife is already thinking about south america instead. :annoyed


But what about crazy mosquitoes and viruses in South America?
by DTSC
Fri Mar 25, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Mazda Mazda5 Touring and Volkswagen Routan. Any experiences?
Replies: 7
Views: 482

Re: Mazda Mazda5 Touring and Volkswagen Routan. Any experiences?

The Mazda 5's 3rd row isn't that readily accessible. It won't be convenient for you until your 4 year old is able to buckle him/herself in, as you will be putting the baby and 2 year old in the second row. A minivan might be your best option...
by DTSC
Tue Mar 15, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Citi ThankYou Rewards Program - Advice
Replies: 7
Views: 803

Re: Citi ThankYou Rewards Program - Advice

You might find this interesting if you travel a lot for work.

http://millionmilesecrets.com/new-to-miles-points-start-here/
by DTSC
Mon Mar 14, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 91
Views: 6795

Re: Concierge medicine Worth It????

Yikes!! There are, in my opinion, several aspects of "accessibility" to Physicians, other providers, services. One is convenience. The other (and to me much more important) is "quality" and "appropriateness" of care, when needed. If you can reduce the chances of a seri...
by DTSC
Thu Mar 10, 2016 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Brother undercharged himself as family trustee
Replies: 26
Views: 3220

Re: Brother undercharged himself as family trustee

Can I just say that I'm extremely impressed by the fact that your brother undercharged the estate and also that the other siblings appreciated his doing so. Your parents must have done something right.
by DTSC
Thu Mar 10, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 91
Views: 6795

Re: Concierge medicine Worth It????

One concern would be that this is your PCP's way of easing into retirement. It may not be easier to get an appointment if his availability goes down to two days a week. Interesting possibility. I had not heard of this as a "motivation". Maybe some of the Physicians her can comment. The mo...
by DTSC
Thu Mar 10, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 91
Views: 6795

Re: Concierge medicine Worth It????

Disclosure: I am a primary care doctor and do not practice concierge medicine I think it depends on how many medical conditions you have, and how often you have to see the doctor. If you only go a couple times per year, why do you need 24/7 access? Another consideration is need and access to sub-spe...
by DTSC
Sat Mar 05, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: DSLR recommendations for photos of young kids
Replies: 32
Views: 1664

Re: DSLR recommendations for photos of young kids

An old saying, "The best camera is the one you have with you." That is especially true with taking pictures of kids. +1. I bought a Nikon D5100 in an attempt to take pictures of moving children. HUGE mistake. Dragging that thing around after my kids outgrew needing a diaper bag is the big...
by DTSC
Tue Mar 01, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mom is 5 Social Security Credits Short - How Do I Help?
Replies: 20
Views: 2681

Re: Mom is 5 Social Security Credits Short - How Do I Help?

IF she is healthy, she can work legitimately to help you clean your home, do yardwork or babysit. You'll have to report her wages and pay taxes, etc.
by DTSC
Thu Feb 04, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6644

Re: Sibling's destination wedding?

As with all weddings (and funerals), whether you go should be determined by how close you are emotionally with the people involved.
by DTSC
Fri Jan 22, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Best Credit Card For Monster Hotel Bill
Replies: 23
Views: 2505

Re: Best Credit Card For Monster Hotel Bill

Best to put it on cards that you don't yet have!! Get sign up bonuses which could be worth as much as 50% cash back. Why settle for a measly 2-5% ? Since you know the date of the wedding, sign up for 2-3 NEW credit cards with reward programs which are associated with airlines or hotels. Most of thes...
by DTSC
Wed Jan 20, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 7270

Re: Capitulation!

I'm in accumulation stage. Looks like it's time to buy!
by DTSC
Wed Jan 20, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Notice / Counter Offer Situation
Replies: 61
Views: 5327

Re: Insane Notice / Counter Offer Situation

They might screw you by not giving you any 401K match that you're due. A friend who is a CFO at a major company told me that companies intentionally match the prior year's 401K's in April, so that they don't have to pay people who quit in the beginning of the year.
by DTSC
Mon Jan 18, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: 24 y/o 1099 employee.... SEP IRA?
Replies: 5
Views: 307

Re: 24 y/o 1099 employee.... SEP IRA?

It depends on how much you make and how much you want to be able to put away. A SEP IRA might be just fine. You can put away as much as $53,000 with a solo 401k though. Also, Fidelity allows rollovers INTO the solo 401K while Vanguard does not. Finally, see if a Mega Backdoor Roth IRA is an option f...
by DTSC
Mon Jan 18, 2016 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 24 y/o 1099 employee.... SEP IRA?
Replies: 5
Views: 307

Re: 24 y/o 1099 employee.... SEP IRA?

It's too late for to open anything except a SEP IRA for 2015. For next year, you can open a SIMPLE IRA or solo 401K account. Go to Vanguard Small Business to prepare for next year.
by DTSC
Thu Jan 07, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How would a boglehead spend the lotto?
Replies: 36
Views: 1557

Re: How would a boglehead spend the lotto?

1. A Boglehead would not buy a lotto ticket
2. If he was given a ticket and won, he would wait 1 year before doing anything with the windfall
3. After 1 year, he'd realize that he won the game and invest very conservatively, maybe CD ladders with less than $250,000 per bank
by DTSC
Mon Dec 28, 2015 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2015 tax software 50% off
Replies: 16
Views: 2055

H&R Block 2015 tax software 50% off

FYI. This was posted on hotdealsclub.com I just bought my copy Newegg.com - H&R Block Tax Software for $17.50, code: EMCKNNW23 All H&R Block Software is 50% off when using code EMCKNNW23 in the cart. For example, H&R Block Tax for PC or for Mac is $17.50 with code EMCKNNW23 , or H&R ...
by DTSC
Mon Dec 14, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Buy a Bosch dishwasher on Amazon?
Replies: 25
Views: 1922

Re: Buy a Bosch dishwasher on Amazon?

Try Abt electronics (abt.com)

http://www.abt.com/resources/pages/sear ... HX65T55UC+

It's listed at $854.99 with free shipping.

Don't take my word for it, they are highly ranked in Consumer Reports (we've bought 5 items of major appliance from them though)
by DTSC
Thu Nov 05, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Who do you listen to? (Podcast, etc)
Replies: 48
Views: 7803

Re: Who do you listen to? (Podcast, etc)

WTF with Marc Maron
Note to Self
Death, Sex and Money
by DTSC
Wed Nov 04, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 4763

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

I'd stay away from that rental car because I know what people do with rental cars. I could be incorrect, but I think rental cars are made with different interior materials than the off the lot dealer cars. I know I have seen black carpeting in rentals that would normally come with grey or tan depen...
by DTSC
Wed Nov 04, 2015 3:52 pm
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 4763

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

MikeZ wrote:
One thing is the would mention is the life of the tires. Mine needed new tires shortly after buying it and it was $650 all by itself.


Very good point. I think they put "sport" tires on the new models and they are not cheap.
by DTSC
Wed Nov 04, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 4763

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

2012 Mazda 3 owner here. I would get the 2012 - good compromise of price and miles. There's no reason to pay $4000 extra for a new one and get it dinged up. If you drive a lot of miles, make sure whichever car you buy has the Skyactiv package because it uses a lot less fuel; I get up to 40 mpg on th...
by DTSC
Tue Nov 03, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Paying bills with rewards credit cards
Replies: 13
Views: 1177

Re: Paying bills with rewards credit cards

I have the Chase Ink card with 5x spending on utilities, internet, telephone and office expenses. It has a $95 annual fee, but we get 3-4k points every month will little effort. Do you have a business? If not, is it your primary card? I am having a hard time figuring out how you can get 3-4K of poi...
by DTSC
Tue Nov 03, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Paying bills with rewards credit cards
Replies: 13
Views: 1177

Re: Paying bills with rewards credit cards

I have the Chase Ink card with 5x spending on utilities, internet, telephone and office expenses. It has a $95 annual fee, but we get 3-4k points every month will little effort. It also gives you 20% off travel, when you use their website to book tickets, and hotels. My family just went to Kauai la...
by DTSC
Tue Nov 03, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Paying bills with rewards credit cards
Replies: 13
Views: 1177

Re: Paying bills with rewards credit cards

Sign up bonuses can be quite profitable, if you pay your balance off every month and are good at record keeping. We're going to Asia with free flights for 3 and free hotels for a week later this month, all with frequent flyer/ hotel points!
by DTSC
Tue Nov 03, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Paying bills with rewards credit cards
Replies: 13
Views: 1177

Re: Paying bills with rewards credit cards

The 1-2% rewards from every day spending are a pittance. The sign up rewards (such as 50,000 miles on American Airlines after spending $3000 in the first 3 months) are where the action is.

See sites like Millionmilesecrets.com
by DTSC
Mon Nov 02, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: where is the best place to go to buy refrigerator -off line or online
Replies: 22
Views: 1394

Re: where is the best place to go to buy refrigerator -off line or online

We bought 2 dishwashers, 1 electric range, 1 gas range. All Whirlpool. Also bought a front-loading Samsung washer. We live the Chicago suburbs, about 40 miles away, but delivery was free. I believe delivery outside of Chicago is still free, or the price is still very competitive even with shipping c...
by DTSC
Mon Nov 02, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: where is the best place to go to buy refrigerator -off line or online
Replies: 22
Views: 1394

Re: where is the best place to go to buy refrigerator -off line or online

+1 for Abt electronics (abt.com) We've bought 6 items from them. Cheapest prices anywhere, even with delivery
by DTSC
Fri Oct 23, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 31
Views: 4083

Re: Buying Prescription Eyeglasses Online

Try a cheap pair from Zenni Optical and see how you like it. I got prescription sunglasses for $15, shipping included. Not risking a lot of money.
by DTSC
Thu Oct 08, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards, what to do?
Replies: 10
Views: 1135

Re: Too many credit cards, what to do?

Just cancel the ones you don't use. I've applied for and cancelled many credit cards, my credit score hasn't moved more than 10 points either way. Many travel reward websites talk about getting sign up bonuses. Check this one out: http://millionmilesecrets.com/new-to-miles-points-start-here/
by DTSC
Thu Sep 17, 2015 8:16 pm
Forum: Personal Consumer Issues
Topic: Looking at the new $49 Kindles...
Replies: 53
Views: 6519

Re: Looking at the new $49 Kindles...

I bought a Kindle Tablet (not B&W reader) but ultimately returned it. The user experience is just not as good as the iPad - you get what you pay for. Furthermore, it just seemed like a device to get you to buy things from Amazon
by DTSC
Thu Sep 10, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: I am running out of excuses to not move out
Replies: 71
Views: 6692

Re: I am running out of excuses to not move out

My personal observation is that if you live with your parents, the money you saved in rent will be spent on therapy.
by DTSC
Mon Aug 24, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 7316

Re: Who's selling now?

I just sold some VBMFX to buy more VINIX in my 401K too
by DTSC
Mon Aug 10, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: Best affordable compact car to buy new?
Replies: 35
Views: 3169

Re: Best affordable compact car to buy new?

My son just bought a new Mazda 3 iTouring hatchback with manual transmission. I have not ridden in it yet but it is a very nice looking car. +1 on the Mazda 3. Reasonably fun to drive for a car in this price range. I'm getting 40 mpg on the highway (going 65-75 mph) and 27-30 mpg in the city, depen...
by DTSC
Fri Jul 17, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 90
Views: 6616

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

I think diapers set me back about $35 a month, you could buy the store brand ones for a bit cheaper. I wouldn't go with cloth ones, major PIA. Graco pack n play, works fine. We used the Britax for transport, we were happy using it. Changing pad on top of dresser - exactly what we did for first 3 ye...
by DTSC
Fri Jul 17, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Baby on the way...yay! Big ticket items, and what do you REALLY need?
Replies: 90
Views: 6616

Re: Baby on the way...yay! Big ticket items, and what do you REALLY need?

If you are concerned about the cost of baby items (as many are), seriously consider buying used items at a garage sale or on Craig's List. (Except for car seats - they have an expiration date) Don't be squeamish about used items; there's nothing that can't be disinfected with a little bleach. Any ne...

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