Search found 2308 matches

by JupiterJones
Tue Apr 12, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4299

Re: Free old BMW worth it?

I knew a girl who drove a BMV and always said that it stood for "But it Means Well".

As in, "It keeps breaking down... but it means well!"
by JupiterJones
Fri Apr 08, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: how to pay for degree(s)
Replies: 10
Views: 688

Re: how to pay for degree(s)

schoolboyguy, https://clep.collegeboard.org/ How about using CLEP to earn some credits on math and science if you have the knowledge? KlangFool If only I had the knowledge.... I would not feel comfortable skipping even the prerequisites. But thank you for the link. You may be able to get the knowle...
by JupiterJones
Mon Mar 28, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Bro Trip suggestions?
Replies: 58
Views: 3750

Re: Bro Trip suggestions?

I'm biased, but have you thought about Nashville? Not much hiking in the immediate area, but plenty of stuff to do and see other than that: http://www.visitmusiccity.com/

Another thought might be Oregon. Great hiking. Bandon Dunes for golf. Lots of really good beer. :sharebeer
by JupiterJones
Mon Mar 28, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: Anyone else feeling a correction brewing?
Replies: 60
Views: 5834

Re: Anyone else feeling a correction brewing?

My answer is in my sig line. :sharebeer

(Yes, it's a Star Wars quote, and yes, it was said by the guy I use for my avatar pic. I try not to think too hard about what happened to him shortly afterward though...)
by JupiterJones
Mon Mar 28, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5248

Re: Europe Trip in August

Oh, and speaking of Rick Steves, you might want to read his post about a letter from a fan who considered cancelling her Paris trip after the attacks there: http://blog.ricksteves.com/blog/a-letter-from-paris/ We suddenly found ourselves wondering if we should still go. Is it safe? What might happen...
by JupiterJones
Mon Mar 28, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5248

Re: Europe Trip in August

Well it sounds like the OP is going ahead with the trip, which is awesome. The recent terrorist attacks are tragic, but don't really change the statistics. (We humans are terrible at estimating risk anyway and often equate "outrageous and sensational event" with "likely event".) ...
by JupiterJones
Thu Mar 24, 2016 9:07 am
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 47
Views: 6973

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

DaftInvestor wrote:Nobody knows anything...


Quoted for truth.
by JupiterJones
Thu Mar 24, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Extra 10K lying around - should i invest?
Replies: 23
Views: 3086

Re: Extra 10K lying around - should i invest?

Hopefully someone can read this down here as a follow up question. So I have about 13k as an emergency fund. I am about to get an extra 4.5k. I don't need it for any pressing matters. Would it make sense to just invest it instead of adding to my emergency fund? Have you decided that 13k is an adequ...
by JupiterJones
Thu Mar 24, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: How to select good contractors. Angie's list has changed.
Replies: 33
Views: 4710

Re: Only a few

daveatca wrote:NextDoor.com - hyperlocal with recommendations from your neighbors.


Another vote for NextDoor. :beer
by JupiterJones
Wed Mar 23, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 47
Views: 6973

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

Just another "everyone panic and sell their stocks and buy gold and silver instead!" prediction. I wonder if he bought a bunch of precious metal during the last panic and is now trying to bump up demand so he can sell it? :-)
by JupiterJones
Wed Mar 16, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Newbie Question
Replies: 2
Views: 331

Re: Newbie Question

And, in case anyone was wondering, "NAV" stands for Net Asset Value.

More info here: www.investopedia.com/terms/n/nav.asp
by JupiterJones
Wed Mar 16, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest $20K? First time investor
Replies: 3
Views: 601

Re: Where to invest $20K? First time investor

Consider Vanguard's "LifeStrategy" funds. They are index-based mutual funds with low expense rations, consisting of a broadly-diversified blend of stocks and bonds. Each of the four funds are distinguished by a particular ratio of stocks to bonds. The most conservative fund ("LifeStra...
by JupiterJones
Wed Mar 16, 2016 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy AD&D insurance after retirement?
Replies: 13
Views: 1052

Re: Where to buy AD&D insurance after retirement?

Am I the only Gen-X nerd who saw "AD&D" and initially thought it was about the role-playing game ? :P Anyhoo... yeah, I've always heard that Accidental Death and Dismemberment insurance, like most "specific illness" insurance (Cancer insurance, etc.), is a pretty lousy deal. ...
by JupiterJones
Wed Mar 16, 2016 8:54 am
Forum: Personal Consumer Issues
Topic: Swapping cars for a lower mileage used car--Thoughts?
Replies: 17
Views: 1503

Re: Swapping cars for a lower mileage used car--Thoughts?

My current car is a 2006 Honda Element with about 140,000 miles. I drive an Element too. Great car. They don't make 'em anymore, and I've considered doing what the OP is talking about--swapping mine out for a 2011 Element (the final year) with fewer miles, since that's currently the only way to pos...
by JupiterJones
Tue Mar 15, 2016 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan or invest
Replies: 32
Views: 2330

Re: Pay off student loan or invest

Look at it this way: Let's say you didn't have any student loans. Would you go out and borrow money at 4%, just so you could take that money and put it in a taxable investment? Because by investing money instead of paying down your student loan, that's essentially what you're doing. Every choice of...
by JupiterJones
Tue Mar 15, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Planning a quick 3 day trip to Boston
Replies: 33
Views: 1934

Re: Planning a quick 3 day trip to Boston

Looking for any advice on best location to stay for easier walking to main attractions You can't really go wrong staying anywhere in the downtown or Back Bay area, especially if it's near a T stop. Boston is a very walkable town, and a lot smaller than you might think. Last trip there I stayed at t...
by JupiterJones
Tue Mar 15, 2016 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Depressed, do I dip into retirement funds in order to make essentially an investment?
Replies: 21
Views: 3950

Re: Depressed, do I dip into retirement funds in order to make essentially an investment?

Right now I'm at a point where I would have to invest some money to make money I would suggest that maybe you're not really "at that point", and that there are likely plenty of ways you can make money that do not require much, if any, of an investment. Although I totally get that you migh...
by JupiterJones
Thu Mar 10, 2016 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off student loan or invest
Replies: 32
Views: 2330

Re: Pay off student loan or invest

Look at it this way: Let's say you didn't have any student loans. Would you go out and borrow money at 4%, just so you could take that money and put it in a taxable investment? Because by investing money instead of paying down your student loan, that's essentially what you're doing. Every choice of ...
by JupiterJones
Mon Mar 07, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4220

Re: Mac laptop vs. Windows 7 (or 10) laptop

Also, I was an IT guy in the early 2000s. I worked with IT guys. There was exactly 1 guy (out of at least a hundred) who preferred Macs, who is memorable because he was unique in that respect. So, for my family, my in-laws, and all IT people I've ever worked with except one, no one will ever purcha...
by JupiterJones
Wed Mar 02, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Financing new car
Replies: 28
Views: 2701

Re: Financing new car

I'd just buy the dang thing and be done with it. There's no place I know of where you could instead invest that money where it would be A) liquid, B) relatively risk-free, and C) earning enough better than 1.49% to be worth bothering with. Ally Bank 36 month CD 1.55% FDIC insured https://www.ally.c...
by JupiterJones
Wed Mar 02, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Mac laptop vs. Windows 7 (or 10) laptop
Replies: 63
Views: 4220

Re: Mac laptop vs. Windows 7 (or 10) laptop

I would not only recommend the Mac (for all the aforementioned reasons), but also recommend going with LibreOffice instead of MS Office. It's Office-compatible and free. But this is a largely subjective call. Everyone derives value differently, and the things I think are "worth it" are thi...
by JupiterJones
Tue Mar 01, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Financing new car
Replies: 28
Views: 2701

Re: Financing new car

I'd just buy the dang thing and be done with it.

There's no place I know of where you could instead invest that money where it would be A) liquid, B) relatively risk-free, and C) earning enough better than 1.49% to be worth bothering with.
by JupiterJones
Mon Feb 29, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sibling has decided not to pay for college for his future children
Replies: 47
Views: 3431

Re: Sibling has decided not to pay for college for his future children

So this won't even be an issue for, what, 20 years or so? The educational landscape could very well be vastly different than it is now. Assuming his theoretical kid even wants to go to college, who knows what "college" will look like, and what it will cost in 2036? The internet has transfo...
by JupiterJones
Fri Feb 26, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 143
Views: 22015

Re: Why is Dave Ramsey wrong?

bloom2708 wrote:Dave helped us be "not normal" regarding debt and emergency funds (We're debt freeeedom!) and Bogleheads has helped us be "not normal" regarding investing.


Very well put! :beer
by JupiterJones
Fri Feb 19, 2016 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 7232

Re: Should I bother itemizing tax deductions?

My father has a home office, and he says that it's great because you can deduct a portion of utilities (electricity, etc) prorated to square footage Yes, but in order to (legally) do that, you have to use that portion of your home exclusively as a home office. If you also use that same area as a se...
by JupiterJones
Wed Feb 17, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 1889

Re: Trip to LA for 5 days

by JupiterJones
Wed Feb 17, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I bother itemizing tax deductions?
Replies: 70
Views: 7232

Re: Should I bother itemizing tax deductions?

You could consider "batching" your deductions so that you take the standard deduction every other year, and itemize in the other years. You shift things around to maximize the deductions on the years you itemize. That what I do. For example, a lot of my charitable giving is to institutions...
by JupiterJones
Wed Feb 17, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Vacation budget
Replies: 11
Views: 1554

Re: Vacation budget

Well you'll have to make a trade-off, but it doesn't necessarily have to be within the vacation itself. (Not that there's anything wrong with a "shorter-but-nicer" vacation.) For example, you could increase the amount you budget for vacation savings. In this case the trade-off would be the...
by JupiterJones
Tue Feb 16, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 3980

Re: Was todays rally temporary?

joebh wrote:"Was todays rally temporary?"

All rallies are temporary.


For that matter, everything is temporary.
by JupiterJones
Tue Feb 16, 2016 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA or pay down student loan
Replies: 23
Views: 1695

Re: Roth IRA or pay down student loan

Options: 1) A 2015 Roth IRA under husbands name. We plan to contribute the $5500 allowed to a Roth IRA for him for 2016. 2) Pay down the student loans. We plan to have these paid off by the end of 2016 or early 2017 even if we don't utilize this $4000. I'd consider going with... 3) Increase emergen...
by JupiterJones
Mon Feb 15, 2016 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Nervous Newbie Investor
Replies: 24
Views: 1884

Re: Nervous Newbie Investor

My rebalance date is my birthday*. I'm such an investment nerd that I see it as a sort of birthday treat. :-)

*And any time a part of my allocation is more than 5% out-of-whack.
by JupiterJones
Fri Feb 12, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Extra 10K lying around - should i invest?
Replies: 23
Views: 3086

Re: Extra 10K lying around - should i invest?

A $3,000 emergency fund would be perfect for you... if your monthly expenses were $500 a month, and if you'd expect them to remain so for a good long while. Otherwise, you'll probably want to keep a larger portion of that $13,000 (maybe all of it) in a nice, safe, liquid account. Then, if you still ...
by JupiterJones
Fri Feb 12, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Nervous Newbie Investor
Replies: 24
Views: 1884

Re: Nervous Newbie Investor

I've lost about $11k over the past two months in these funds all together. More accurately, the going market price that you could sell your shares in those funds has decreased by $11k. You haven't really "lost" any money since you're not going to sell those shares at that price. (But you ...
by JupiterJones
Wed Feb 10, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: William Bernstein's "If You Can" Portfolio
Replies: 42
Views: 6423

Re: William Bernstein's "If You Can" Portfolio

Isn't this a bit conservative for most young people? The bond allocation is a bit high, relative to the usual advice. On the other hand, the international allocation is half of total equities, which is a bit aggressive, so there's that. They might do a good job of balancing each other out, who know...
by JupiterJones
Wed Feb 10, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 27
Views: 2519

Re: Schwab vs Vanguard

I have my IRA with Schwab. My 403b used to be at Fidelity and is now at Vanguard due to a change in the company plan (although Fidelity still administers the plan, interestingly). Anyway, I don't really have any complaints about any of the three. All have some good investment options available. If I...
by JupiterJones
Wed Feb 10, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) getting killed
Replies: 52
Views: 5256

Re: 401(k) getting killed

Really? Getting killed? That's funny, I just checked my accounts and found that I haven't lost anything at all . :D It's true! The number of shares it says I have didn't go down one bit! (In fact, it went up, since I'm continuing to buy.) Sure, the current, temporary market price of those shares mig...
by JupiterJones
Wed Feb 10, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 2836

Re: Repair old car or buy new? A car illiterate needs some help

Another vote for keeping it.

If you sell it, you'll have to discount it by the amount of the repair anyway, so you're out the money either way.

(By the way, does the rattle go away when the car warms up?)
by JupiterJones
Wed Feb 10, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Math and Computer Science
Replies: 69
Views: 3563

Re: Math and Computer Science

It is. "C's get degrees" Reminds me of the old quip: "What do you call someone who graduates dead-last in their class from Medical School? Answer: Doctor." :D Anyway, I think there are two questions being asked here. The first is whether someone who struggles with math will also...
by JupiterJones
Tue Feb 09, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Planning European-Southern Germany Road Trip Travel-Hacks Wanted
Replies: 17
Views: 1219

Re: Planning European-Southern Germany Road Trip Travel-Hacks Wanted

If it's a matter of just not knowing how to operate a manual transmission, maybe you'd have time to learn? Driving a stick shift on the Autobahn is such a fun experience, it's a shame to pass it up. 8-) That said, cars are no fun at all once you're in town over there. If you're going to be sticking ...
by JupiterJones
Wed Feb 03, 2016 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Clueless college new grad 22 yo, 200k income looking to start saving
Replies: 143
Views: 12101

Re: Clueless college new grad 22 yo, 200k income looking to start saving

I have savings of around 15k, mostly in the form of stock units of my primary employer I'll echo the importance of having an emergency fund of roughly 6 months or so of expenses. This money should be somewhere that is A) stable and B) liquid. Stable, because you don't want to find that it has lost ...
by JupiterJones
Wed Feb 03, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: 403(b)
Replies: 9
Views: 617

Re: 403(b)

dbltrbl wrote:Are you sure your 403b offers match? Mine never did.


FWIW, mine does, up to 5%. So it is possible (of course, whether it is allowed under the OP's employer's particular policy is another matter).
by JupiterJones
Tue Feb 02, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 1619

Re: Stovetop Tea Kettle Recommendations?

As I mentioned in the can opener thread, I usually go with OXO for stuff like this.

Our OXO "pick me up" kettle has no rust problems so far, and we've had it for about five years.
by JupiterJones
Fri Jan 29, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Which news source do you use?
Replies: 67
Views: 4735

Re: Which news source do you use?

Another vote for the Beeb when it comes to TV news. They cover stories that are actually important, and they do so in-depth. I switched over to them for my morning news after The Today Show got rid of Ann Curry and showed they had little interest in hard news. (Although I must say that I've been imp...
by JupiterJones
Fri Jan 29, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2941

Re: Manual can opener recommendation

I've never once regretted buying an OXO anything. Their products are brilliantly-designed.
by JupiterJones
Fri Jan 29, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Hi every one i have a question about the finance
Replies: 19
Views: 1594

Re: Hi every one i have a question about the finance

Jeez guys, lets give the OP a break and just provide the answers. How many days, on average, does a product stay in Costco’s inventory before it is sold? Trick question. The product is already sold (to Costco, wholesale). How much lower is, on average, the inventory cost for Costco compared to Wal-M...
by JupiterJones
Thu Jan 28, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 14
Views: 1351

Re: Is my package stuck in German customs? Now what?

German Customs wouldn't have anything to do with an outgoing shipment Good point. I didn't think about that! Sounds like it's held up in the "International Logistics Center" in Frankfurt. Can you check with the shipper? Unfortunately the shipping business can't do much beyond what I'm doi...
by JupiterJones
Thu Jan 28, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Eating money eating out! Going on a 401k diet. Help!
Replies: 27
Views: 3009

Re: Eating money eating out! Going on a 401k diet. Help!

Congrats for deciding to "get your act together"! :sharebeer While saving for retirement is important, I agree that establishing a solid emergency fund should be a higher priority . You didn't mention debt. Do you have any? (Student loans, credit cards, etc.)? And since he's been mentioned...
by JupiterJones
Wed Jan 27, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 14
Views: 1351

Re: Is my package stuck in German customs? Now what?

How was it sent? For surface mail from Europe two months is not out of line, it could still be sitting in the hold of a ship chugging across the Atlantic. Not sure. I do believe it was sent registered mail, but that can be surface or air, right? So I'll just assume surface, keep waiting, and hope f...
by JupiterJones
Wed Jan 27, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 14
Views: 1351

Re: Is my package stuck in German customs? Now what?

I stick with UPS or FedEx for international packages. Costs a bit more but they are both well set up for clearing customs, the local reps are usually friendly and quite knowledgeable about the forms required, and the tracking works properly. Well, I didn't really have a choice of method in this cas...

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