Search found 2376 matches

by JupiterJones
Tue Jan 17, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 45
Views: 3856

Re: France or Switzerland

If your wife is afraid, then you shouldn't go. It doesn't really matter if her fear is rational or not; if she feels it, she feels it. If she feels it, it's a current fear, from where she sits now. It's easy to slip into the trap of fear when it comes to things that are unknown. You only have your ...
by JupiterJones
Wed Jan 11, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 45
Views: 3856

Re: Austria

OP: If between France and Switzerland, Switzerland wins for incredible beauty. A close second has not been mentioned: Western Austria. Like Switzerland, but much less expensive. Or, as long as we're tossing off less-expensive alternatives, there's Western Slovenia. It's no Switzerland, but still......
by JupiterJones
Wed Jan 11, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 5950

Re: Where do you keep your emergency fund?

IMHO, it's perfectly okay if your EF "languishes". Sure, there are some better-paying savings accounts with the online banks that might merit a look. And/or you could do some fiddling with CDs for some of it, etc. Nothing wrong with that. (We use an online account for the bulk of our EF th...
by JupiterJones
Mon Jan 09, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with Ratios and Index Funds
Replies: 8
Views: 499

Re: Help with Ratios and Index Funds

Thanks so much for this feedback! Could anyone suggest another targeted fund besides Vanguard so that I don't put all my eggs in one basket? But they wouldn't be all in one basket. The money in those funds is spread out among an extremely wide array of baskets. True, the baskets are all looked afte...
by JupiterJones
Mon Jan 09, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 3952

Re: Help with paying off debt

I'd go with the simple Dave Ramsey Baby Step's snowball method. Seconded. At least as far as Step 2 is concerned. There are many points on which Mr. Ramsey and I disagree, but the "snowball" approach* is what I would do if I were the OP. * List all non-mortgage debts in order, smallest-to...
by JupiterJones
Mon Jan 09, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 1432

Re: I want to go to Alaska this summer - tell me what, why and when!

Note that going in the off seasons has the bonus of giving you a better chance of seeing the Northern Lights.
by JupiterJones
Fri Jan 06, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1030

Re: Rookie wanting to learn...everything about investing

I just figured if all of it goes towards student loans then there is nothing left to invest. But I do see your perspective in doing so. 6.8% return sounds good although I do not look at it as such. (I just need to change the way I think) Right. As you've figured out by now, investing a dollar somew...
by JupiterJones
Fri Jan 06, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 73
Views: 6541

Re: 500K milestone celebration

grap0013 wrote:What if the OP makes 450K per year?


Then they're killin' it career-wise. Congrats in order either way! :sharebeer
by JupiterJones
Fri Jan 06, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3684

Re: Is a prenup always necessary when remarrying?

Prenups (whether remarrying or marrying for the first time) are only necessary if either of the two of you would prefer different "rules" governing your potential divorce that the default set of rules that already exists. Of course, that requires learning all you can about the law in your ...
by JupiterJones
Fri Jan 06, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on a Bogle quote
Replies: 29
Views: 2347

Re: Thoughts on a Bogle quote

"Diversify" is also a Boglehead truism. Personally, I think having all of your money invested in your home country is dangerously lacking in diversification (just ask a Japanese investor who remembers the '90s and '00s) The rule-of-thumb I go by is putting 1/3 of my total equities in inter...
by JupiterJones
Fri Jan 06, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need life insurance?
Replies: 18
Views: 1137

Re: Do we need life insurance?

Sounds to me like a textbook case of not needing life insurance: No burdensome financial impact from either or both of you dying.
by JupiterJones
Wed Jan 04, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1030

Re: Rookie wanting to learn...everything about investing

ADMT_x wrote:Debt: 55k student loan debt with interest rate of 6.8%

...

I have 10k in savings that I would like to invest because it is literally not growing.


How about just throwing it at your student loan where it will "earn" you a guaranteed, risk-free 6.8% return?
by JupiterJones
Wed Jan 04, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Book recommendation for teen
Replies: 15
Views: 772

Re: Book recommendation for teen

One of my earliest books and still a favorite is one of Eric Tysons "Dummies" series such as Personal Finance for Dummies. https://www.amazon.com/s/ref=nb_sb_ss_c_2_10?url=search-alias%3Dstripbooks&field-keywords=eric+tyson&sprefix=eric+tyson%2Caps%2C219&crid=14XCEE2YDBUK0 Sec...
by JupiterJones
Wed Jan 04, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash gifts?
Replies: 8
Views: 880

Re: What to do with cash gifts?

Yes to maximizing tax-advantaged investing as much as you can. I would then use any "leftovers" to pay extra on the mortgage, especially if you're paying PMI.

Yes, this makes the money non-liquid. And yes, your mortgage rate is super-duper low. Still, that's what I'd do if it were me. YMMV.
by JupiterJones
Tue Jan 03, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

Adding to that, a "baritone ukulele" is tuned to the top 4 strings of a guitar so fretting chords and notes is the same, while a "concert" ukulele is tuned differently so chord shapes are different. Both fun. Interestingly, the shapes for a specific chord are different, but the ...
by JupiterJones
Tue Jan 03, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 17
Views: 3496

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

Nope, never got it. They were concert tickets. Luckily, the folks at SAP Arena in Mannheim were sehr freundlich und hilfreich . I showed printouts of my email receipts at the Will Call window, and they had a security guy personally escort us past the ticket takers and right to our seats! Really outs...
by JupiterJones
Thu Dec 29, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 45
Views: 3856

Re: France or Switzerland

The worst choice of all: staying home out of fear. This ^ If I, personally, were to choose between France and Switzerland, I'd go with Switzerland. But that doesn't have anything to do with safety... it's because I've been to both and would simply rather return to Switzerland out of the two. It's a...
by JupiterJones
Thu Dec 29, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: When is it "OK" to get a car loan?
Replies: 42
Views: 3407

Re: When is it "OK" to get a car loan?

1. Buy the Porsche in cash right now ($50K). Lower the Viper to "bottom dollar" to sell quickly ($35K) 2. Wait until the Viper sells then hope that Porsche is still available. This will likely drive me down to my "bottom dollar" price quicker ($35) rather than keeping it listed ...
by JupiterJones
Thu Dec 29, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2144

Re: Best shows to see while in Vegas

bcjb wrote:Jersey Boys


That's the second recommendation for Jersey Boys. Three if you count me agreeing with them. It's a great show.

However it closed in September. :(
by JupiterJones
Thu Dec 29, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2144

Re: Best shows to see while in Vegas

smartinwate wrote:One caveat: try not to get front row tickets to MtM.


Same could be said for Blue Man Group. They call them the "poncho seats". 'nuff said... :D
by JupiterJones
Wed Dec 28, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2144

Re: Best shows to see while in Vegas

Love, Mystere, or O for a Cirque show Blue Man Group Mac King is an afternoon show that I highly recommend. "The Rat Pack is Back" is fun if you're fan of that sort of music (I am) If all else fails, "V - The Ultimate Variety Show" is worth a shot. It's a revolving roster of acts...
by JupiterJones
Wed Dec 28, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Strategy
Replies: 9
Views: 1089

Re: Debt Payoff Strategy

Yeah, I like the Ramsey-style method too: Attack all non-mortgage debts in order of balance , smallest-to-largest. In your case, going with "Ramsey order" will cost you a bit more in time and money (compared to going with highest-to-lowest interest rate order). But it more quickly will &qu...
by JupiterJones
Wed Dec 21, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Event Fee at Restaurants?
Replies: 22
Views: 2323

Re: Event Fee at Restaurants?

According to a similar thread over at The Knot : I did not tip. They actually said in one of their forms I recevied eventually that they pay their servers well and tipping is not necessary (in other words). and... I was assured that they get higher wages and tips are not expected, but I tipped a lit...
by JupiterJones
Mon Dec 19, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

The problem is I live in a small condo unit, so taking up the piano probably is not an option. Also given the proximity of my neighbors, taking up the drums probably isn't an option either. You can buy a very good digital piano for $500 or so these days. Set the volume as loud or as quiet as you'd ...
by JupiterJones
Mon Dec 19, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3816

Re: Netflix Question

Think you need to buy a digital antenna to access basic channels without buying a cable package, no? Depends. I can get broadcast channels just fine using a cheap set of rabbit ears (basically two passive pieces of metal). Even though we currently pay for cable, I keep an antenna around for when th...
by JupiterJones
Mon Dec 19, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Book Suggestions for Son
Replies: 8
Views: 548

Re: Book Suggestions for Son

"Investing Made Simple" by fellow Boglehead Mike Piper (who also runs the "Oblivious Investor" blog).

It's engagingly-written, covers all the basics, and clocks in at only 100 pages. Highly recommended!
by JupiterJones
Fri Dec 16, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

Intentional and serious practice yields results. Amen. In my younger days as a musician, I mostly worried about getting better at playing my instrument. Over recent years, I've focused more on getting better at practicing my instrument. I've found that if you improve your practice skills, performan...
by JupiterJones
Fri Dec 16, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 3816

Re: Netflix Question

FWIW, broadcast TV is free and doesn't require a password. I watched plenty of it back when I was on a tight budget.
by JupiterJones
Fri Dec 16, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 2730

Re: Your fava 70% dark chocolate brand?

lazydavid wrote:
sid hartha wrote:
Dutch wrote:Blah 70% is for wussies :D

90% is where it's at!

True dat!


Toss up between 85 and 90 for me. Tried 100% once, REALLY bad idea. Had one bite and then handed it to my wife so she could make a cake. :mrgreen:



Bah! Mere amateurs. I only eat 110%.
by JupiterJones
Tue Dec 13, 2016 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 8816

Re: Boglehead's newest millionaire

Congrats!

Looking forward to your post in a few years about being a multi-millionaire!

:beer
by JupiterJones
Fri Dec 09, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult?
Replies: 123
Views: 9688

Re: Learning an instrument as an adult?

As someone who teaches music lessons as a side-hustle (mostly to adults) and who is married to someone who sometimes teaches violin, here are my random musings: First of all, go for it! Second, the toughest part about picking up an instrument as an adult is that you have to be okay with being lousy ...
by JupiterJones
Thu Nov 17, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: AppleCare on MacBook Pro?
Replies: 40
Views: 3138

Re: AppleCare on MacBook Pro?

FWIW, I've owned Macs since 1994.

Never bought any sort of extended warranty on any of them.

Never regretted it.
by JupiterJones
Wed Nov 09, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Recommendations carry-on luggage with suiter
Replies: 7
Views: 823

Re: Recommendations carry-on luggage with suiter

I usually just fold. But the trick with packing suits (or any other type of clothing, for that matter) is to try to buy "travel friendly" garments in the first place. That is, clothing that's more wrinkle and stain resistant than your typical stuff. Bonus points if it's designed to match m...
by JupiterJones
Tue Nov 08, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Recommendations carry-on luggage with suiter
Replies: 7
Views: 823

Re: Recommendations carry-on luggage with suiter

Seconded. Just get a good carry-on (I prefer travelpacks... more room and less weight than wheeled carry-ons) and pack your suit(s) in it.
by JupiterJones
Thu Oct 13, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Life short-Buy the Boat
Replies: 17
Views: 2499

Re: Life short-Buy the Boat

How much equity do you have in the house? Couldn't you just buy the boat with the proceeds of the home sale? Or were you going to have a period of overlap between buying the boat and selling the house? Anyway, it sounds like an awesome plan. My folks have been living on a boat for ages and love it. ...
by JupiterJones
Wed Oct 12, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Super cheap mens bike (< $150)
Replies: 23
Views: 2122

Re: Super cheap mens bike (< $150)

Agree with all of the above. Bikes are like toilet paper... you'll regret going cheap. Either bump up your budget, or go used (with the bike I mean, not the toilet paper). Granted, a high-quality used bike can still be in lousy shape. You may want to factor in the price of a good tune-up at your loc...
by JupiterJones
Mon Oct 10, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 6636

Re: Best Albums of 2016

Kanye West: Life of Pablo. I understand why you hate him. But he's a genius. Is he really? I don't hate the guy, but I sure don't see him as even close to a genius either. Granted, my exposure to his stuff is mostly via television appearances (SNL, etc.) Nothing I've heard him do there has impresse...
by JupiterJones
Fri Sep 30, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Sorry, but tell [me] what to do with my mortgage
Replies: 62
Views: 5100

Re: Sorry, but tell [me] what to do with my mortgage

I understand the math behind the question, 3.50% rate on about 215k, market averages beat that so it suggests investing before mortgage pay down. The math behind the question isn't quite as cut-and-dried as that though. You're ignoring differences in risk . Paying down a 3.5% loan is basically a ri...
by JupiterJones
Mon Sep 26, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Can I pay off the 1k of credit card balance this way?
Replies: 15
Views: 1474

Re: Can I pay off the 1k of credit card balance this way?

Your credit card balance is a "debt emergency" and should be prioritized before any sort of investing.

Pay the thing off. You'll be glad you did. :sharebeer
by JupiterJones
Thu Sep 15, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: "To raise the car insurance deductible or not to raise it, that is the question" William Shakespeare!
Replies: 14
Views: 1126

Re: Should I increase auto deductible?

I was thinking about that option too. Is there any rule of thumb or some kind of formula/calculator to put all variances and see if it is wise to raise the deductible or drop the coverage entirely? Speaking strictly from the cold perspective of math, if you can afford to cover the expense you're in...
by JupiterJones
Tue Sep 06, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 2121

Re: Trip to Germany

As noted, you might not have too much choice on where to stay during Oktoberfest. That said, we were just in Munich a few months ago and enjoyed our stay at the Hotel Blauer Bock . Also agree that the beer garden at the Viktualienmarkt is a perfectly fine spot to have a quaff if you don't want to br...
by JupiterJones
Tue Sep 06, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Road bike
Replies: 29
Views: 2675

Re: Road bike

Biking does not need to be expensive but somehow it's become that way. If you're trying to ride centuries and have $$ to burn, knock yourself out. But if you just wanna ride 30 miles on a Saturday morning, a $500 bike, some shorts, and clip in shoes are all you need. Some would argue that you don't...
by JupiterJones
Mon Jul 11, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: A nice wrist watch under $1500
Replies: 42
Views: 3311

Re: A nice wrist watch under $1500

my $30 timex does everything i need it to Ditto for my $25 Timex. The classic and, dare I say, stylish "Easy Reader". Can't beat it! ⋅ A nice wrist watch? Check! ⋅ Under $1500? Check! ⋅ A "good product" that will last "for years to come"? ...
by JupiterJones
Mon Jul 11, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Good Non-Computer Jobs?
Replies: 16
Views: 1978

Re: Good Non-Computer Jobs?

Moving around a lot but also not doing too much with my hands, is ideal. Depending on where you live, maybe something in the event/tourism industry? Such as wedding planning, destination management , or being a tour guide? For the latter, I'd imagine it would be potentially more lucrative if you hu...
by JupiterJones
Fri Jul 01, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3776

Re: Tipping Etiquette Question.

If you're not sure, err on the side of the larger tip. What's another buck or two?

I've never regretted overtipping.
by JupiterJones
Mon Jun 13, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Why is Dave Ramsey wrong?
Replies: 180
Views: 31546

Re: Why is Dave Ramsey wrong?

LateStarter1975 wrote:I always love me some Dave Ramsey threads...even old ones that have been resuscitated...


When I want a Dave Ramsey thread to read here on Bogleheads, I always look for one with strong, 10-year track record... :P
by JupiterJones
Fri May 27, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: First Milestone
Replies: 11
Views: 1237

Re: First Milestone

Congrats and cheers! :sharebeer
by JupiterJones
Fri May 27, 2016 11:17 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9447

Re: How do Bogleheads TRAVEL?

⋅ I have never booked all-inclusive, but wouldn't rule it out necessarily. Then there are things like Untours and Rick Steve's "My Way" tours which are a hybrid of package vacation and do-it-yourself. Might be interesting... ⋅ I'm a Southwest Rapid Rewards member, so I...
by JupiterJones
Wed May 25, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: Flying airplanes -lessons
Replies: 38
Views: 2990

Re: Flying airplanes -lessons

I'm 6'3" and did most of my training in a C172. Trained a few hours in a C152, which is doable if the instructor isn't too broad-shouldered. :-) My main advice is to study the "ground school" stuff on your own as much as possible. Don't pay an instructor to sit in a room and teach you...
by JupiterJones
Tue May 24, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Bikes
Replies: 70
Views: 4128

Re: Bikes

I agree that $200 will not buy a decent new bike, and that you should go used. Or bump up your budget. A good bike, like a good lawn mower, will last summer after summer. A cheap bike? Maybe not. Skimping can be a false economy. And yes, you should avoid Wal-Mart and Target for buying a new bike. A ...

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