Search found 140 matches

by Marjimmy
Thu Apr 05, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy a condo (from an investment standpoint)
Replies: 45
Views: 8413

Re: Why would anyone buy a condo (from an investment standpoint)

Why would anyone buy a condo? Because they can't afford a house yet. I own a condo and have zero interest in owning a house, whether or not I can afford it. I don't want to have to mow the lawn or shovel the snow, or have to maintain the roof or the exterior walls. I enjoy the social benefits of ha...
by Marjimmy
Fri Mar 23, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 7301

Re: What Budget? Do you keep one?

I think the biggest thing about knowing your expenses is knowing your savings rate. I don't have a "budget" but I'm around 70% savings which I'm very happy with.
by Marjimmy
Thu Mar 22, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22613

Re: Anyone Deleting Facebook?

I deactivated it at one point and time but came back for unbeknownst reasons. My biggest thing would be loosing all the photos on it... Anyone know of a way to save all albums / photos quickly?

Then I'll delete for good :twisted:
by Marjimmy
Thu Mar 22, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: New vs Used Camry vs Accord
Replies: 64
Views: 3903

Re: New vs Used Camry vs Accord

I'm currently in the same boat OP.....
New vs Used
Camry vs Accord.....


I haven't decided either, but check out the latest Consumer Report issued a few weeks ago for AUTO. Maybe something there will push you one way or the other. Maybe you buy a Lexus :oops:
by Marjimmy
Wed Mar 21, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Entrepreneurs - Self Made Success Stories & Book Recommendations
Replies: 8
Views: 740

Entrepreneurs - Self Made Success Stories & Book Recommendations

Hey All, I'm looking for a little advice in regards to being an entrepreneur and getting started. There is a lot of financial advice here and great book recommendations but I don't believe I ever came across a book in regards to being an entrepreneur. Was wondering for those of you that have taken t...
by Marjimmy
Wed Mar 21, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 128
Views: 19149

Re: Is it time to dump high yield savings for prime money market?

I've never had high yield savings, it's too much hassle. I've stuck with PMM because it is much easier for buying mutual funds at Vanguard. Of course, now that the rate is going up, I'm keeping for than a minimal amount in the account. I belive that there is a minimum to open but not a requirement ...
by Marjimmy
Tue Mar 20, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Kettlebell Swing experience?
Replies: 50
Views: 4361

Re: Kettlebell Swing experience?

If you're more curious about the kettle bell swing, he always interviews Pavel Tsatsoulin as he lives and die by the kettle bell. I was fascinated after hearing the interview, in fact I might buy one soon...
by Marjimmy
Mon Mar 19, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 5959

Re: Retirement will cost the average American $828,000

Thanks for posting this. While this will differ across the board, it's always nice to see a retirement $$$ number (a goal) rather than an arbitrary percentage.
by Marjimmy
Tue Mar 06, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6043

Re: Electric Toothbrushes - again

So what I've taken away from this thread is the Sonicare Series 2 brush and ProResults Plaque Control for brustles. https://www.amazon.com/Philips-Sonicare-rechargeable-toothbrush-HX6211/dp/B00KZHP1GG/ref=sr_1_3_a_it?ie=UTF8&qid=1520361444&sr=8-3&keywords=sonicare%2Bseries%2B2&th=1 And https://www.a...
by Marjimmy
Thu Mar 01, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 2622

Re: Google Pixel 2 Users-Experience So Far?

S9 preorder starts tomorrow....
by Marjimmy
Wed Feb 14, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3687

Re: rule of thumb of when to sell your car

sid hartha wrote:
Wed Feb 14, 2018 12:55 pm
My rule is simple. When it either becomes unreliable or starts to nickel and dime me with repair costs.
+1. 06 Ford Taurus with 150k miles riding strong.
by Marjimmy
Mon Feb 12, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Help me figure out my federal / state taxes...
Replies: 5
Views: 468

Re: Help me figure out my federal / state taxes...

Does anyone have a paycheck calculator they've found to be very helpful? Also, haven't seen the new 2018 tax adjustments yet... Is this still in the works? For 2018 federal, the personal finance toolbox spreadsheet seems accurate. Great link. I'll have to mess around with it later. Seems complex at...
by Marjimmy
Mon Feb 12, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: Help me figure out my federal / state taxes...
Replies: 5
Views: 468

Re: Help me figure out my federal / state taxes...

Your question is unclear. Calculating a percentage is straightforward — take one number (taxes paid) and divide by another number (gross or net income). Your tax withholding amount is based on the information you provided to your payroll department/person on your W-4. Which is it that is confusing ...
by Marjimmy
Mon Feb 12, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Help me figure out my federal / state taxes...
Replies: 5
Views: 468

Help me figure out my federal / state taxes...

Just as the subject says I'm having difficulty calculating the current %age of federal and state taxes taken from my pay. I'm calculating after 401k deduction. Does anyone have a paycheck calculator they've found to be very helpful? Also, haven't seen the new 2018 tax adjustments yet... Is this stil...
by Marjimmy
Fri Feb 09, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1839

Re: Best Valentines Day Gift

For Valentine's day - nothing given, nothing received. We talked about it early in our relationships. I suggested that, if she wanted to celebrate Valentine's day, we pick our own special day to do it when prices and crowds would be lower. She said she wasn't really into that sort of thing anyway. ...
by Marjimmy
Fri Feb 09, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Best Valentines Day Gift
Replies: 12
Views: 1839

Re: Best Valentines Day Gift

I'd say time spent together is #1
Received.... Probably an hour deep tissue massage. Got to treat the body!
by Marjimmy
Wed Feb 07, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs 401k investments
Replies: 17
Views: 1192

Re: Taxable vs 401k investments

To asnwer 3) I'm talking about Maxing Roth IRA, 401k AND contributing to Taxable.... when I say "minorly" I'm talking small scale like 10k a year whereas I could have it 30k+ without 401k contributions How do you figure that not putting in the money in your 401k you could go from $10k in taxable to...
by Marjimmy
Wed Feb 07, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs 401k investments
Replies: 17
Views: 1192

Re: Taxable vs 401k investments

OP HERE - To fill in the gaps of missing information: Age - 26 Tax Bracket - 25% Saving 60% of per paycheck. IN THEORY, I could max 401k and invest MINORLY in taxable.... Obviously as my career progresses (raises, bonuses etc.) I would be able to contribute more as time goes on but other factors on...
by Marjimmy
Wed Feb 07, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable vs 401k investments
Replies: 17
Views: 1192

Re: Taxable vs 401k investments

OP HERE - To fill in the gaps of missing information: Age - 26 Tax Bracket - 25% Saving 60% of per paycheck. IN THEORY, I could max 401k and invest MINORLY in taxable.... Obviously as my career progresses (raises, bonuses etc.) I would be able to contribute more as time goes on but other factors on ...
by Marjimmy
Wed Feb 07, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Taxable vs 401k investments
Replies: 17
Views: 1192

Taxable vs 401k investments

I've posted something like this before but it's recently been bugging me however..... Prioritizing Investments I've read https://www.bogleheads.org/wiki/Prioritizing_investment along with other post about the clear indicators of what usually works. As most on this thread they consider themselves mus...
by Marjimmy
Wed Feb 07, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: 26yr old - Check Up - How am I doing?
Replies: 9
Views: 1556

Re: 26yr old - Check Up - How am I doing?

Looks absolutely terrible!!!! Invest in bitcoin :twisted:
by Marjimmy
Wed Feb 07, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 24678

Re: TurboTax Prices

I returned my online Turbotax CD for free Federal / state file.... Because ofcourse on the back of the CD it says "Federal only file, State $37.99....
Good ol Turbotax. Returned that crap so quick and filed online for free through esmarttax.com. I'll never go back to Turbotax
by Marjimmy
Tue Feb 06, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 6036

Re: Still waiting to invest?

climber2020 wrote:
Tue Feb 06, 2018 8:37 am
I'm still waiting to hear back from this person:

Retreat to cash
Lmaooo +1
by Marjimmy
Thu Feb 01, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Tax Software - Turbotax Deluxe $39.86 Amazon
Replies: 15
Views: 1277

Re: Tax Software - Turbotax Deluxe $39.86 Amazon

I realized that the PC download was $10 more than the PC disc so I went with the disk for $39.86 federal and tax.... We'll see how it goes.... Maybe next year H.R block? :twisted:
by Marjimmy
Thu Feb 01, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Tax Software - Turbotax Deluxe $39.86 Amazon
Replies: 15
Views: 1277

Tax Software - Turbotax Deluxe $39.86 Amazon

What tax software are you using this year and why? I've read previous post but nothing recently.... Are there any good sales out there? I feel like spending $39.86 isn't TOO bad to file federal and state. Turbo tax through their own website wants to charge $39.99 for federal and $36 for state.... Ou...
by Marjimmy
Wed Jan 31, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2310

Re: Wireless Earbuds For Running (Updates for 2018?)

Two questions here.... Are you talking about COMPLETELY wireless? Aka Apple Airpods.... Two..... What type of phone do you have.... Apple or Android. This will help what define what may be "best" for you Completely wireless isn't necessary - just needs to be secure and somewhat open to ambient soun...
by Marjimmy
Wed Jan 31, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2310

Re: Wireless Earbuds For Running (Updates for 2018?)

Two questions here.... Are you talking about COMPLETELY wireless? Aka Apple Airpods.... Two..... What type of phone do you have.... Apple or Android. This will help what define what may be "best" for you Completely wireless isn't necessary - just needs to be secure and somewhat open to ambient soun...
by Marjimmy
Wed Jan 31, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2310

Re: Wireless Earbuds For Running (Updates for 2018?)

Two questions here....

Are you talking about COMPLETELY wireless? Aka Apple Airpods....

Two..... What type of phone do you have.... Apple or Android. This will help what define what may be "best" for you
by Marjimmy
Thu Jan 25, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Board game for 3 year old
Replies: 36
Views: 1840

Re: Board game for 3 year old

Chess. Chess. Chess.
by Marjimmy
Mon Jan 22, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2836

Re: Cutting cable

Can anyone provide a link for an HD antenna that works great for them?
by Marjimmy
Mon Jan 08, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2828

Re: Teeth Whitening

I tried the crest whitening strips and they hurt my teeth terribly after one week or so. I advise, do NOT take whitening strips if you have poor enamel. But then again, I'm not dentist.
by Marjimmy
Thu Jan 04, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Checking In After Six Years
Replies: 11
Views: 3220

Re: Checking In After Six Years

Your ROI on your accounts is incredible.... I don't know where you wold be able to improve from there :sharebeer
by Marjimmy
Sun Dec 31, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: [My] Books of the year
Replies: 4
Views: 759

Re: Book of the year

Feel free to take a look at my book list over the past few years:
https://www.goodreads.com/user/show/115 ... an-chicano
by Marjimmy
Fri Dec 22, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: VA Loan- Down Payment or No?
Replies: 15
Views: 1045

Re: VA Loan- Down Payment or No?

OP,

Out of curiosity here who are you going with for your VA Loan? I've reached out to a few but so far Veterans United seems to be the best.
by Marjimmy
Tue Dec 19, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10050

Re: How much do you spend on food per month, per person?

I asked this question a while back because I was concerned. I go to the gym 5-6 times a week. 190lb, 12% body fat. Usually eat 3-5 meals a day Take out is usually 200-300 per month Groceries 300 per month On average I spend about 550 a month on food for myself. Age 26. Consider the carnivore diet. ...
by Marjimmy
Tue Dec 19, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 3079

Re: Memories over money

Teague wrote:
Tue Dec 19, 2017 1:44 pm
I have memories of being broke when I was younger.
Lmao, can still taste the ramen
by Marjimmy
Tue Dec 19, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 3079

Re: Memories over money

I've been to Disneyland as a teenager. I don't remember a darn thing about it except that it was totally fake. But this was before everybody had hand phone and took videos of their life and posted them everywhere to remind themselves of their great experiences. I'm sure in the future that one can u...
by Marjimmy
Sun Dec 17, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10050

Re: How much do you spend on food per month, per person?

I asked this question a while back because I was concerned.

I go to the gym 5-6 times a week. 190lb, 12% body fat. Usually eat 3-5 meals a day

Take out is usually 200-300 per month
Groceries 300 per month

On average I spend about 550 a month on food for myself. Age 26.
by Marjimmy
Thu Nov 30, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 9813

Re: Can I afford a $1,400,000 house

Another physician perspective. I'm 42, and 10 years into practice. I did not make the mistake of overspending with fancy houses/cars/etc when I started to make real money. Instead I lived like a cheap bastard resident, paid off all debts and saved like crazy. Drove an ancient toyota while everyone ...
by Marjimmy
Thu Nov 30, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1068
Views: 263948

Re: Best watch for around $5,000?

I remember my Rolex thread, now I just stick to my $100 Gshock :oops:
by Marjimmy
Thu Nov 30, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Liquidating Lending Club
Replies: 8
Views: 1201

Re: Liquidating Lending Club

I think I pulled some percent out over the course of the past 2 years. Don't recall it taking that long to hit my bank accounts though? Think I put in 10k and ended up with a 3k profit before it went mainstream. Think about 300 notes defaulted too with a $25 note per each.
by Marjimmy
Wed Nov 29, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6005

Re: 2018 Goals - Financial or Otherwise

Radjob4me wrote:
Wed Nov 29, 2017 3:29 pm
- Enjoy time with my family; in particular I hope to have more time with my dad, as I will be his stem cell donor in two weeks for a transplant to attempt to cure his bone marrow failure...
That's brave. Best of wishes to you both
by Marjimmy
Wed Nov 29, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 6005

Re: 2018 Goals - Financial or Otherwise

1. Continue to push myself to new limits
2. Not be afraid to take more adventures
3. Travel 2-3 times this year
4. Build more meaningful relationships
5. 175k networth
6. Read 12 books
7. Stay fit in the gym (Under 13% bodyfat)
8. Get promoted
9. Cut back spending
10. Live more in the moment
by Marjimmy
Wed Nov 15, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: New TV for Father
Replies: 22
Views: 1922

Re: New TV for Father

Thank you for replies. After asking him his max price he has said "Like 1600"
by Marjimmy
Wed Nov 15, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: New TV for Father
Replies: 22
Views: 1922

New TV for Father

Hello All, Holiday season is amongst us and numerous sales will be occurring throughout this period. My father has been looking at getting a new TV, larger than 60 inches for the living room and what better time than Black Friday week. While I certainly have suggestions, others might have better one...
by Marjimmy
Tue Oct 17, 2017 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I start investing?
Replies: 19
Views: 1562

Re: Should I start investing?

Make sure you're factoring taxes into whatever you'd have remaining. In this instance the 25k you predict.
by Marjimmy
Mon Oct 16, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Should I start investing?
Replies: 19
Views: 1562

Re: Should I start investing?

Welcome to the forum! :sharebeer Given your current age you should be proud of where you currently stand financially along with intellectually. You seem to have a good job mapping out your goals and expenses currently. One thing I would suggest would be to try to have an estimate of what your future...
by Marjimmy
Fri Sep 22, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for my 20 year old son
Replies: 8
Views: 660

Re: Investing for my 20 year old son

Your son is 20. Time for him to learn how to do this himself. He will screw up along the way but better to learn the hard way now than when he is 30 or 40. I would give him a copy of the Bogleheads Guide, a link to this website, and let him give it a shot. 100% S&P 500 would be a nice elegant portf...