Search found 1057 matches

by DTSC
Sun Aug 21, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 3674

Re: Tips for a 1000 miles car trip with toddler and baby

Have iPad will travel.

iPad = Kiddy Crack
by DTSC
Fri Aug 19, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3211

Re: vacation ideas - October

I definitely wouldn't reccomend St. Louis. The wife and our two tots were coming back from a well known place around 5PM and there was a drive by shooting while we were waiting at the train station. We usually don't pay a ton of attention when a city is deemed "dangerous" but a first hand...
by DTSC
Thu Aug 18, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3211

Re: vacation ideas - October

How about Toronto?

About 8 hours from Chicago

Excellent food!!!

Good USD to CAD exchange rate, 1: 1.31 currently

Like New York, but without the crime!

Need a passport though
by DTSC
Tue Aug 16, 2016 10:41 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 8395

Re: AAA Car Batteries

When I was in the battery business, we had four "grades" of batteries. They were "economy", "original equipment", premium, and "super premium". Personally, I would only buy a premium or super premium model. I expect that the AAA products are "original eq...
by DTSC
Tue Aug 16, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 8395

Re: AAA Car Batteries

I know someone who works in the Johnson Controls factory. His job is to apply decals onto the batteries that Johnson Controls manufactures for different brands. He tells me that for a given amperage level, ALL THE BATTERIES ARE THE SAME. For example, you can spend $150 for a 5 year battery or $100 ...
by DTSC
Tue Aug 16, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 44
Views: 8395

Re: AAA Car Batteries

I know someone who works in the Johnson Controls factory. His job is to apply decals onto the batteries that Johnson Controls manufactures for different brands. He tells me that for a given amperage level, ALL THE BATTERIES ARE THE SAME. For example, you can spend $150 for a 5 year battery or $100 f...
by DTSC
Wed Jun 29, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend - After June 30 - any other suggestions?
Replies: 4
Views: 505

Re: Netspend - After June 30 - any other suggestions?

I know about Mango, what is Insight?
by DTSC
Tue Jun 07, 2016 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to keep $10,000 liquid yet still earn some interest
Replies: 23
Views: 4588

Re: Best way to keep $10,000 liquid yet still earn some interest

I am currently getting 0.995% interest in a savings account at Alliant Credit Union. FCUA insured.

All you have to do to become a member is to be a PTA (Parent Teacher Association) member. They don't even ask for proof.
by DTSC
Mon Jun 06, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401K Contribution limits (Is my CPA wrong?)
Replies: 6
Views: 754

Re: Solo 401K Contribution limits (Is my CPA wrong?)

You are right and the CPA is wrong. These are the calculators which I've used. http://solo401k.bcmadvisors.com/calculator.html https://www.fidelity.com/retirement-ira/small-business/self-employed-401k/overview I've found from my experience with 4 different CPA's that they really don't know what to d...
by DTSC
Mon Jun 06, 2016 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to live on $110,000 less income each year?
Replies: 104
Views: 11362

Re: How to live on $110,000 less income each year?

Also, your friend might be racking up thousands of dollars per year in credit card charges to keep up appearances. You never know.
by DTSC
Thu May 26, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 490
Views: 44566

Re: What's Your Credit Card Rewards Strategy?

This brings up 2 questions for me. 1. For those of you that rock out the miles and travel rewards, do you find that you're also traveling a lot for work as well? It seems to me that a lot of people that do the miles thing also travel for work and they capitalize on earning extra points that way and...
by DTSC
Thu May 26, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 490
Views: 44566

Re: What's Your Credit Card Rewards Strategy?

I churn. I've opened 23 new credit cards in the last 2 years. 14 are still open. Problem is there are really not a lot of cards left that I'm interested in now that the Chase 5/24 rule is in place. When not trying to hit an intro bonus, I've been spending on my Club Carlson card to get to the extra...
by DTSC
Wed May 25, 2016 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Geico or State Farm - auto insurance
Replies: 19
Views: 1788

Re: Geico or State Farm - auto insurance

I you have Berkshire Hathaway stock, Geico will give you another 10% discount. I have a few shares of BRK.B and I told the rep so and got the discount. I wasn't asked to supply any kind of proof.
by DTSC
Wed May 25, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Zenni Optical
Replies: 29
Views: 2099

Re: Zenni Optical

A couple years ago I bought a pair of prescription sunglasses from them for $15 including shipping. They worked fine. Not risking a whole lot of money. I certainly would get a spare pair of glasses from them regardless
by DTSC
Tue May 24, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: be my mother in law's financial advisor...or not?
Replies: 21
Views: 2135

Re: be my mother in law's financial advisor...or not?

Definitely don't do it if your wife has siblings who might think you're trying to "steal" their inheritance. It's a much better scenario if your wife is an only child.
by DTSC
Mon May 23, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 24450

Re: Physician Retirement Savings

Reading through this makes me feel like a schlub. Want to feel like a schlub? Write a book and read the negative comments on Amazon about it. Here's one I saw today that made me chuckle: The Author has no financial credentials other than reading the Bogleheads forum. This book is a ripoff of the Bo...
by DTSC
Sat May 21, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 20072

Re: Is there a such thing as a blue collar Boglehead?

How would I define "blue collar"? Can you still earn a living if you screwed up your back? To me, the Boglehead philosophy is more about living below your means and investing the savings in a low cost manner. Certainly it is easier to live below your means if you have a higher income and n...
by DTSC
Mon May 16, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 24450

Re: Physician Retirement Savings

Yes, dose of my own medicine. I have to thank Roosevelt, if he is still around, as he pointed me toward Peter Moskowitz and I benefitted greatly from one of his seminars. I now end early once a week to go to practices and games, and I take all of my vacation. It adds up to quite a bit of time off. ...
by DTSC
Mon May 16, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 24450

Re: Physician Retirement Savings

Let me put it this way. Docs are performing for their own internal standards as much as any external ones. I've coached many docs to 'just say no' when asked to continually step up their workload... I'm glad to see you do this. I seem to recall your needing such a nudge, especially about administra...
by DTSC
Mon May 16, 2016 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 24450

Re: Physician Retirement Savings

Keep in mind that many docs don't want to ever retire. The old generation (people in middle age now) felt that docs should work until the day they die. It is a relatively modern idea that work life balance is more healthy and sustainable. They didn't even have work hour restrictions during residenc...
by DTSC
Mon May 16, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 24450

Re: Physician Retirement Savings

If you hang out in a doctors' lounge or dining room, you will soon realize the new status symbol is the ability to retire early or when you choose. The parking lot is not a place for status symbols. Agreed. I don't see many folks in awe of the new Bentley in the parking lot. The big wow factor is &...
by DTSC
Mon May 16, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 213
Views: 24450

Re: Physician Retirement Savings

Keep in mind that many docs don't want to ever retire. The old generation (people in middle age now) felt that docs should work until the day they die. It is a relatively modern idea that work life balance is more healthy and sustainable. They didn't even have work hour restrictions during residenc...
by DTSC
Wed May 11, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Starting over - Could use advise
Replies: 12
Views: 2340

Re: Starting over - Could use advise

IMHO the OP's portfolio is relatively small for someone in his 50's with relatively fewer years left in his work life (harder to do carpentry at age 70 compared to being an accountant.) I think he needs to be much more aggressive, maybe 80-90% stocks and 10-20 % bonds.
by DTSC
Mon May 09, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Saving for MY college
Replies: 9
Views: 963

Re: Saving for MY college

Open a 529 plan
Illinois' www.brightstartsavings.com/Illinois_529‎ plan is actually not half bad, especially if you use the index fund options. You'll get a 3.75% state tax deduction on your contributions if you're going to be an Illinois resident
by DTSC
Sun May 08, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Career Finance vs Social Work
Replies: 21
Views: 3352

Re: Career Finance vs Social Work

Social Workers have a calling, not a job.

What's the difference between a calling and a job? About $2000 per month....
by DTSC
Fri Apr 29, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Question
Replies: 15
Views: 1446

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: 5119

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: 387

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: 543

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: 53
Views: 3309

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: 1307

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: 3700

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: 1656

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: 1525

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: 1525

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: 2137

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: 410

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: 32
Views: 3032

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: 6125

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: 569

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: 926

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: 115
Views: 10095

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: 3464

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: 115
Views: 10095

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: 115
Views: 10095

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: 1967

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: 2836

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: 7636

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: 2679

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: 7684

Re: Capitulation!

I'm in accumulation stage. Looks like it's time to buy!

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