Search found 1010 matches

by DTSC
Thu Feb 04, 2016 5:38 pm
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6060

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: 2423

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: 7017

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: 5111

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: 283

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: 283

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: 1489

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: 1955

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: 1776

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: 7385

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: 4377

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: 4377

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: 4377

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: 1108

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: 1108

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: 1108

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: 1108

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: 1250

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: 1250

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: 3870

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: 1098

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: 6304

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: 6430

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: 7106

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: 3030

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: 82
Views: 5431

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: 82
Views: 5431

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...
by DTSC
Mon Jul 13, 2015 3:50 pm
Forum: Personal Consumer Issues
Topic: Wiring home network cable type?
Replies: 30
Views: 2087

Re: Wiring home network cable type?

dhodson wrote:Once u have wired you will wonder why u didn't do it sooner. Glad I wired our place. It's 5 but I'd compare costs with 6 for future proofing.


What improvements have you noticed after wiring your house?
by DTSC
Tue Jul 07, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 2300

Re: Amish furniture maker recommendation

Yesterday afternoon, stain samples I had ordered from "Online Amish Furniture" came in the mail, and one matches our new cabinets perfectly. Last night, I checked out all of the Amish furniture company suggestions on this thread. Some have identical tables and chairs which makes me think ...
by DTSC
Sun Jul 05, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 2300

Re: Amish furniture maker recommendation

DTSC wrote: We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price...
by DTSC
Sun Jul 05, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 2300

Re: Amish furniture maker recommendation

DTSC wrote: We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price...
by DTSC
Sun Jul 05, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 2300

Re: Amish furniture maker recommendation

Hopefully, someone out there can tell a tale of their experience ordering online from an Amish furniture maker. Anyone? Something about the combination of Amish merchants and internet commerce strikes me as ironic, but I hope you find what you're looking for. My understanding is that the craftsmen ...
by DTSC
Sun Jul 05, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 2300

Re: Amish furniture maker recommendation

We bought a bedroom set from this company 12 years ago. It was the largest purchase I ever made without looking at the product in a showroom but we were not disappointed. The prices are fair. The quality is much higher than what you'd get at a chain furniture retailer for the same price. http://www....
by DTSC
Sun Jul 05, 2015 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4623

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

I'm really confused about the last two posts... People (ie future fathers-in-law) can be very weird when talking about money. Talking about money is really the last taboo - they'd just assume talk about their sex lives rather than money. If he's has been "doing well" with this financial a...
by DTSC
Sat Jul 04, 2015 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's Money Manager--Should She Switch to Vanguard?
Replies: 37
Views: 4623

Re: Girlfriend's Money Manager--Should She Switch to Vanguard?

A bit off topic, but wait until you are *married* to even comment on anything. Otherwise you can be perceived as the money grubbing boyfriend.
by DTSC
Thu Jul 02, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Support for Parents
Replies: 36
Views: 4444

Re: Financial Support for Parents

One resource that is available to WWII era vets and spouses is a benefit for long-term care. I believe it is available for both in-home and institutional care, but is needs tested and eligibility criteria apply. This is on the back burner for us in case MIL's assets run out before her physical heal...
by DTSC
Thu Jun 25, 2015 11:28 pm
Forum: Personal Consumer Issues
Topic: Best Educational iPad Apps for Adults?
Replies: 7
Views: 1163

Re: Best Educational iPad Apps for Adults?

Not exactly apps, but Yale and MIT open courses are excellent

oyc.yale.edu/courses
ocw.mit.edu
by DTSC
Wed Jun 24, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 30042

Re: What ratio are you stocks/bonds and how old are you?

Age 49 and 44.
60% stock, 40% bonds
by DTSC
Tue Jun 23, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: I've got $80k burning a whole in my pocket, what should I do with it?
Replies: 21
Views: 3018

Re: I've got $80k burning a whole in my pocket, what should I do with it?

Emergency fund.
Pay down debt.
Pay down debt.
Pay down debt.

BTW it is "hole in my pocket"
by DTSC
Tue Jun 23, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Savings Plan - Do not have a child right now! (at least I don't think)!!
Replies: 7
Views: 875

Re: 529 Savings Plan - Do not have a child right now! (at least I don't think)!!

I think you are a bit premature in planning - at least wait until you have one in the oven. However, you can open a 529 plan for yourself now, and change the beneficiary when your child is born.
by DTSC
Tue Jun 16, 2015 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Possible cross-road
Replies: 14
Views: 1966

Re: Possible cross-road

@DTSC - More excellent points. I know that once I leave my current job, I am not likely to find another as high-paying possibly ever (I lucked out as it is). I would also plan to have a heart to heart with my parents and siblings about the extent to which I will go, in terms of playing the caregive...
by DTSC
Tue Jun 16, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Possible cross-road
Replies: 14
Views: 1966

Re: Possible cross-road

As a physician, I would remind you to consider the emotional and physical stress involved with caring for 2 elderly people, especially one with dementia. Also, remember that responsibility falls on those who pick it up. You might become the path of least resistance as far as your siblings are concer...
by DTSC
Mon Jun 15, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: How/where to get rid of old gasoline
Replies: 35
Views: 6642

Re: How/where to get rid of old gasoline

I'm sure there are people who will gladly take the $30 worth of gas off your hand. Try freecycle.org

Works well for other stuff in the house too.
by DTSC
Wed Jun 03, 2015 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard adviser
Replies: 14
Views: 1717

Re: Vanguard adviser

$50,000 * 0.3 /100 (to get percentage) = $150
by DTSC
Sun May 31, 2015 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3437

Re: Ethics over income?

If the bosses are screwing the workers below you, how long will it be before they start screwing you too?
by DTSC
Fri May 22, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 5149

Re: Not able to max out all the retirement accounts

For once, I am suggesting that someone take a break from reading posts here. Bogleheads save obsessively and entirely skews one's perspective. Your family is making $120K and spending only 1/2 of it. You're doing fine. Don't compare yourself to people here. IMHO, your husband should not sacrifice ti...
by DTSC
Thu May 21, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 74
Views: 5503

Re: Career Advice: Follow "Passion" or Follow the Money?

What, if any, are your plans for family/children? Many of my neighbors are in management consulting. They travel *a lot*. Some are gone weeks at a time. Their spouses are basically single parents (albeit with much more money to spend).
by DTSC
Thu May 21, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Apply Medical school advice
Replies: 17
Views: 2058

Re: Apply Medical school advice

Physician here. I would give it 1 line (and only 1 line) under "Hobbies/interests" Certainly no one will hire someone based on video game playing ability. Despite your feeling that video games are a waste of time, many many people enjoy playing video games. If that one line catches an inte...
by DTSC
Tue May 19, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: South Bend to Chicago to Milwaukee
Replies: 18
Views: 1566

Re: South Bend to Chicago to Milwaukee

You can buy some fireworks in Indiana. Can't get them in Illinois

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