Search found 2434 matches

by JupiterJones
Fri Apr 21, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Improving my Math Skills
Replies: 27
Views: 2903

Re: Improving my Math Skills

Khan Academy is great for "filling in the cracks" of your knowledge... especially helpful with math, since math subjects so strongly build on what (they assume) you've learned before.

The Ohio State calculus class on Coursera is very, very good.
by JupiterJones
Thu Apr 20, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicating your bonus to something
Replies: 30
Views: 2718

Re: Dedicating your bonus to something

Interested in hearing how BHs handle their bonus! We always have things we're saving for, and we keep track of our progress in a spreadsheet. There's a "replace the car" sinking fund for each of us, a property tax fund (we don't escrow), soon-to-be-IRA funds (built up by the end of the ye...
by JupiterJones
Wed Apr 12, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Car Breaks Down on Long Road Trip
Replies: 52
Views: 4037

Re: Car Breaks Down on Long Road Trip

Buy or rent another SUV to tow behind the first one. If the first one breaks down, just swap positions and keep going. Ah, but all kidding aside, I'm with surfstar. Cross that bridge if and when you get to it. After all, there are lots of monkey wrenches that can get thrown into the works of a plann...
by JupiterJones
Tue Apr 11, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Dream vacation spots?
Replies: 73
Views: 6720

Re: Dream vacation spots?

Space
by JupiterJones
Tue Apr 11, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: New heat pump - decision time (Central FL) [thanks for referrals]
Replies: 31
Views: 1419

Re: New heat pump - need referrals (Central FL)

Besides, I am also reading that it is difficult (and more expensive) to get spare parts for Trane in a timely fashion ... I was told that same thing... by a guy who was trying to sell me an Amana. I suspect that's the usual line companies who do not carry Trane tell potential customers, to keep the...
by JupiterJones
Tue Apr 11, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: "The Four Pillars of Investing" is one of today's Kindle daily deals
Replies: 24
Views: 3998

Re: "The Four Pillars of Investing" is one of today's Kindle daily deals

For those who may not be aware, note that you don't actually have to have a physical Kindle device in order to purchase and read e-books such as this. You can download the free Kindle app to your smartphone and use that, or just read it in any web browser using Amazon's cloud reader . So, for a mere...
by JupiterJones
Thu Apr 06, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4041

Re: Packing cubes for travel

How is any better than just packing the clothes into the suitcase? [...] Where's the benefit? Do you have a dresser in your bedroom? Probably one with multiple drawers, and maybe some or all of those drawers have, in turn, divided sections? Pretty handy, isn't it? You wouldn't dream of replacing th...
by JupiterJones
Wed Apr 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: New heat pump - decision time (Central FL) [thanks for referrals]
Replies: 31
Views: 1419

Re: New heat pump - need referrals (Central FL)

We just got a new heat pump put in last month. During the whole thing, I learned that many brands are really just labels of the same manufacturer, sometimes (I've heard) completely identical units except for the sticker on the side and the length of the warranty! ⋅ Amana and Goodman are al...
by JupiterJones
Wed Apr 05, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8218

Re: Buying expensive car, how to keep payments low?

Can I delete this thread, :D I sure should not have asked this question on here. Actually, I think this place is exactly where you needed to ask your question. You might not be getting the answers you were wanting, but they're the right answers, for better or for worse. The best way to keep your pa...
by JupiterJones
Tue Apr 04, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 39
Views: 2244

Re: Munich,Germany- advice on things to not miss

Thanks for the report, and I'm glad you guys enjoyed the trip!
by JupiterJones
Mon Apr 03, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate the Target Retirement Savings Number?
Replies: 31
Views: 2829

Re: How to calculate the Target Retirement Savings Number?

Here's what I do, FWIW: ⋅ Figure out what the anticipated expenses will be in "retirement". (No mortgage payment, no more retirement savings contributions, higher health care and travel expenses, etc.) ⋅ Subtract out any money from retirement side-hustles (I still plan ...
by JupiterJones
Mon Apr 03, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 39
Views: 2244

Re: Munich,Germany- advice on things to not miss

Yes! Trip report! Trip report! Trip report! :sharebeer
by JupiterJones
Thu Mar 30, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4363

Re: Is the secret to getting wealthy...

Because I don't network with millionaires, I don't develop multiple income streams, I don't focus on developing a need that I can sell to 5000 people for $200 reach, I don't use my lunch break to study financial papers, I don't create a mindset where I envision being a millionaire, I don't meditate...
by JupiterJones
Thu Mar 30, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Is the secret to getting wealthy...
Replies: 48
Views: 4363

Re: Is the secret to getting wealthy...

That's a bit of an exaggeration. Mr. Money Mustache retired on $600K and a paid off house. And he targets life on $24,000, not 10K. Is he retired? I thought he just changed jobs from construction-worker to blogger. :o My understanding is that he was a software engineer before retiring. Although, si...
by JupiterJones
Thu Mar 23, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Vehicles as a percentage of net worth
Replies: 102
Views: 5340

Re: Vehicles as a percentage of net worth

A few thoughts: Whether you include your car or not in your NW calculation is up to you. It's more important to be consistent, and track the change in net worth (hopefully trending up!). That said, a car is an asset--albeit a depreciating one--that can be liquidated, so I've always counted it in my ...
by JupiterJones
Mon Mar 20, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Does such a tool exist?
Replies: 2
Views: 636

Re: Does such a tool exist?

Part of the problem, I would think, is that there is not one "correct solution" for such a tool to solve for. Except in cases where there is absolutely zero overlap in asset classes among your various accounts, or some overarching rule to go by (modify account X before other accounts, etc....
by JupiterJones
Wed Mar 08, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 5107

Re: What Car Should I Buy My Daughter as a Graduation Present

now he has a small hatchback Civic with manual windows and no AC. This doesn't add up. I wondered about that too. My first car was a hatchback Honda Civic with manual windows and no AC. But it was a 1977 model. I don't even think power windows and A/C were even options back then! :D (It also had a ...
by JupiterJones
Fri Mar 03, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Baltic Cruise Suggestions
Replies: 14
Views: 736

Re: Baltic Cruise Suggestions

Sounds like fun!

My only tip is this: If you have trouble remembering which Baltic state is which, just note that they're in alphabetical order, north to south. :beer
by JupiterJones
Fri Mar 03, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan debt - vanquished!
Replies: 19
Views: 1690

Re: Student loan debt - vanquished!

Awesome!

I love how you used the word "vanquished". Makes me imagine standing over a slain dragon with a sword... which is probably how you feel right now!

:sharebeer
by JupiterJones
Wed Mar 01, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 81
Views: 5107

Re: What Car Should I Buy My Daughter as a Graduation Present

Why don't you ask her what car she wants? And if she even wants a car in the first place? It's nice that you're "carrying on the tradition" that your parents started with you. But still, maybe she'd rather have the equivalent amount in cash to help pay down a student loan? Or to add to he...
by JupiterJones
Tue Feb 28, 2017 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2649

Re: saving for european vacay in 2055

First, for some reason this reminds me of that joke about the guy in the old days of the USSR who finally has enough money to order a car. The dealer says, "No problem comrade, it will arrive in exactly 10 years." The guy says, "In the morning or afternoon?". Dealer says, "H...
by JupiterJones
Tue Feb 28, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10396

Re: Seems Dave Ramsey is right about debt

Also, I swear I heard him Friday say to Tithe no matter what (including while going through bankruptcy) . . . . lol wut? He only advises tithing (as in giving, literally, 10% of income to your church) for those who, like him, identify as Evangelical Christians. He then will usually go on to say tha...
by JupiterJones
Tue Feb 28, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Seems Dave Ramsey is right about debt
Replies: 55
Views: 10396

Re: Seems Dave Ramsey is right about debt

A post that is telling people to use the debt snowball is fine...provided you explain it's not the best economical way. Well, sort of. People keep contrasting the "snowball" vs. the "avalanche" as if the former is justified by psychology and the other by math. As if it's a given...
by JupiterJones
Thu Feb 23, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 33
Views: 2293

Re: Anniversary Trip Recommendations

Purpose311 wrote:Decided to book 3 nites at the Omni in San Francisco.


Nice!

I recommend walking about four blocks west and checking out the Tonga Room while you're there. :beer
by JupiterJones
Fri Feb 17, 2017 10:40 am
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2887

Re: What's a good analogy for average returns?

If you have one foot on burning coals and one foot in an ice bucket, on average your feet are quite comfortable Not to mention the fact that you could also claim to have an above-average number of feet for a human. (Since there are a lot more people with no feet or only one foot than there are peop...
by JupiterJones
Fri Feb 17, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 33
Views: 2293

Re: Anniversary Trip Recommendations

I actually thought about Nashville. Is there much to do there? Yup! There have been some good threads here on that subject over the past few years: https://www.bogleheads.org/forum/viewtopic.php?t=164197 https://www.bogleheads.org/forum/viewtopic.php?t=210700 https://www.bogleheads.org/forum/viewto...
by JupiterJones
Thu Feb 16, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2887

Re: What's a good analogy for average returns?

With all due respect, if obtaining market returns amounts to doing better than 80+% of investors, characterizing it as "average" is a bit of a misnomer. A good point. It is an average market return (that is, the compound annual growth rate of the market over a certain period of time). It ...
by JupiterJones
Thu Feb 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1176

Re: Visiting Downtown Denver in late March without car.

By the way, when you do have a car rental, be sure you have coverage for hail damage as it can really beat up a car. ...and watch out for toll roads that don't look like toll roads (i.e. don't have any toll booths or gates or anything... just FastPass cameras). Denver is notorious for that. Your re...
by JupiterJones
Thu Feb 16, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Word Doc/Need to Send via Mac - question
Replies: 9
Views: 741

Re: Word Doc/Need to Send via Mac - question

Heck, I thought that even the lowly TextEdit (the Mac version of NotePad) should be able to open a Word doc, as long as it can recognize it as such with the .doc or .docx extention. But if not, I'll second LibreOffice. It should open it up just fine. Of course, if you don't actually need to edit it,...
by JupiterJones
Thu Feb 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Anniversary Trip Recommendations
Replies: 33
Views: 2293

Re: Anniversary Trip Recommendations

Yes Vegas, although if you're not really foodies that would be a bit of a shame. Yes SF and Napa/Sonoma, although if you only have 3 or 4 nights you might want to focus on just one. Some other ideas: ⋅ Grand Canyon, maybe throw Sedona/Flagstaff in there too ⋅ Albuquerque and Sant...
by JupiterJones
Thu Feb 16, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 2887

Re: What's a good analogy for average returns?

You need to take a difficult and frustrating course. You go to class. The professor offers two choices: [...] Bogleheads choose 1. Bill "The Coffeehouse Investor" Schultheis uses a similar analogy he calls "Outfox the Box". It's probably my favorite way to put it: http://www.cof...
by JupiterJones
Wed Feb 15, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 5867

Re: Retire in my 30s?!

You need to meet Mr. Money Mustache. I think you'd guys would get along just fine:

http://www.mrmoneymustache.com/

:sharebeer
by JupiterJones
Wed Feb 15, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 9135

Re: -$280k Net Worth Has Me Up At Night

we currently save 26% of post-tax income. [...] Also, we want to hold our rental for passive income in the future. [...] I refuse to stop saving So your insane amount of debt is keeping you up at night, but you don't actually want to change anything you're doing to fix it? I don't really know what ...
by JupiterJones
Wed Feb 15, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1176

Re: Visiting Downtown Denver in late March without car.

If you like books, a visit to The Tattered Cover is in order. True. If only to show the kids an independent community bookstore. They're an endangered species. Anyhoo, yes, downtown Denver is quite easy to get around. Last time we were there (last Oct.) we just parked the car and walked everywhere....
by JupiterJones
Mon Feb 13, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 39
Views: 2244

Re: Munich,Germany- advise on things to not miss

Oh, and some good side-trips (other than Neuschwanstein):

  • Salzburg -- Less than 2 hours by train or car
  • Rothenburg ob der Tauber -- 2.5 hours by car, possible by train (but it doesn't look like it would be easy)
by JupiterJones
Mon Feb 13, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 39
Views: 2244

Re: Munich,Germany- advise on things to not miss

Dachau is definitely a "thing not to miss", especially if you've never toured a former concentration camp before. Life-changing. Allow plenty of time and wear comfortable shoes. In the city itself, I highly recommend following Rick Steves' "Munich City Walk". It's outlined in his...
by JupiterJones
Mon Feb 13, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2696

Re: Napa/Sonoma Recommendations

The Willamette Valley is getting there, but the wine country is pretty unspectacular to visit. At risk of contributing to the thread-drift, I'll have to disagree. I've been to Napa, Sonoma, and the Willamette Valley. I'd love to go back to all of them, but if I had to choose just one to return to, ...
by JupiterJones
Fri Feb 10, 2017 9:36 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 317
Views: 16284

Re: Your USER NAME...what does it mean?

An adjective that describes me. Sick life You seem upset. I've been very fortunate, along with a bit of luck and skill. I don't think he meant sick as in "sick". He meant sick as in "wicked". But not wicked as in "wicked". He meant it like, you know, "bad". B...
by JupiterJones
Thu Feb 09, 2017 5:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 317
Views: 16284

Re: Your USER NAME...what does it mean?

Jupiter Jones was a character in the old "Three Investigators" books--sort of the Gen-X equivalent of The Hardy Boys. I always thought it was a cool name. 8-)

The guy in my avatar is not Jupiter Jones, BTW. That's "Gold Five" from Star Wars, whom I quote in my sig line.
by JupiterJones
Tue Feb 07, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2696

Re: Napa/Sonoma Recommendations

Oh, and some winery tips if you need 'em: If you don't know much about wine yet, poke around on the 'net and take some time to learn the basics (common grape varietals, identifying major flavors/aromas, etc.) Wine Spectator has some great online resources, although you have to be a subscriber. Some ...
by JupiterJones
Tue Feb 07, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Napa/Sonoma Recommendations
Replies: 46
Views: 2696

Re: Napa/Sonoma Recommendations

It's been several years since I've been, but here are some wineries we enjoyed in both valleys: ⋅  Schramsberg -- They make a great bubbly. Reserve the "cave tour" well ahead of time. ⋅  Ferrari-Carano -- Beautiful vineyard. Before your trip, try to find a copy of A Ver...
by JupiterJones
Thu Feb 02, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software - Opinions?
Replies: 23
Views: 2610

Re: Tax Software - Opinions?

They are both easy, but I can't imagine using either without at least a fundamental knowledge of the tax code. Yup. I've been using Block for ages but I also cross-check everything with a spreadsheet just for my own nerdy edification. You could use tax software without actually knowing anything abo...
by JupiterJones
Thu Feb 02, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 5711

Re: Milestone and gotta tell someone

Congrats! :sharebeer And yeah, I think mortgage-burning parties did used to be a thing, but it was back when mortgages were widely considered to be something most people would strive to pay off, rather than keep around (and continually re-finance) practically your whole life. There's even a traditio...
by JupiterJones
Thu Feb 02, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Should you stop using your antivirus software?
Replies: 36
Views: 2758

Re: Should you stop using your antivirus software?

Flymore wrote:
smartinwate wrote:I don't use antivirus software.
:wink:


Ditto! never have. 8-)


Same here. I just run Mac OS X and leave it at that.

Not a lot of reason to bother installing and fussing with an alarm system when you live in a community with a very-nearly-zero crime rate.
by JupiterJones
Tue Jan 31, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5280

Re: France or Switzerland

davidsorensen32 wrote:Update: France wins hands down. We're booking our flights to CDG. God bless you all. Thanks everyone.


Glad to hear it! You're going to have a great time. Bon voyage! :beer
by JupiterJones
Tue Jan 31, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recent divorce, would like help looking at my financial/tax picture
Replies: 16
Views: 2088

Re: Recent divorce, would like help looking at my financial/tax picture

Note: My parents have offered to lend me $10,000 to pay some of this off, interest free and to repay them back when I feel like it. I always avoid borrowing money from my parents because it comes with too many strings attached. Very wise. I wouldn't take the loan either. At your income and with the...
by JupiterJones
Tue Jan 31, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3464

Re: Are you changing your AA based on current events?

Based on current events, I'm moving most of my investments into poster board and magic marker stocks.

Nah, not really. I'm staying the course as always. :sharebeer
by JupiterJones
Fri Jan 27, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs Invest
Replies: 14
Views: 1436

Re: Student Loan vs Invest

What is your currently monthly payment? Around $400 or so? Are you okay with being on the hook for that payment every month for the next 17 years?

I wouldn't. Personally, that payment would drive me batty.

YMMV.
by JupiterJones
Fri Jan 27, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3922

Re: Humble brag finally got admiral shares in taxable account

Luckily this is a place you can feel free to brag away about that sort of thing. Congrats!

:sharebeer

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