Search found 1816 matches

by ThankYouJack
Wed Nov 22, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 529

Re: Transfer to a Vanguard Brokerage account?

But would a brokerage account make it easier to specify lots to transfer money into a fidelity donor advised fund? I'm not sure if that's possible with a vanguard mutual fund account so I could see that as a positive. I recently set up a Fidelity DAF and funded with appreciated shares in my Vanguar...
by ThankYouJack
Wed Nov 22, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 529

Transfer to a Vanguard Brokerage account?

I receive this message when I sign onto Vanguard: Transition to a Vanguard Brokerage Account by December 8, 2017—for free! It lists a few benefits saying things can be streamlined. I'm not sure I'd see a benefit though as I keep things quite simple. But would a brokerage account make it easier to sp...
by ThankYouJack
Wed Nov 22, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 34
Views: 2095

Re: Christmas gifts for lots of kids (experiences or stock)?

Contrary to most of the posts above, I think it's actually a good idea to give them a stock or maybe even some shares of the Total Stock Market index IN ADDITION TO a fun gift they an open and play with. Each year, you could include a short note to start teaching them about investing and the value ...
by ThankYouJack
Tue Nov 21, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 49
Views: 8925

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

There's a big difference between cost of living and average annual expenditures for 65 and older. Just because the Joneses are spending a ton in Hawaii because they have tons to burn, doesn't mean a Boglehead needs to.
by ThankYouJack
Tue Nov 21, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 34
Views: 2095

Re: Christmas gifts for lots of kids (experiences or stock)?

Thanks all. We may just do cash -- in the past we have hidden in containers of play-doh and have also made origami with it so they don't know what bill it is until they unfold it. Custom books are good for little kids, but we've been given hundreds of books and have about 5 custom ones. We store the...
by ThankYouJack
Tue Nov 21, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1004

Re: Daycare Parting Gift

We give cash. I have a lot of friends and family who are teachers and that's what they say they prefer. They say they don't need more mugs or food :) Teachers often aren't paid enough and great ones could be making more money doing other things. They're spending a lot of time helping improve our chi...
by ThankYouJack
Tue Nov 21, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 34
Views: 2095

Christmas gifts for lots of kids (experiences or stock)?

Having a couple young kids myself, I realize gifts are often played with two days then they go in a bin. I'm not a big gift giver/receiver or materialistic person myself. We have a bunch of kids we buys for of varying ages and locations. Was wondering if we could get everyone the same thing, ideally...
by ThankYouJack
Thu Nov 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 865

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, ...
by ThankYouJack
Thu Nov 16, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 865

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, b...
by ThankYouJack
Thu Nov 16, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 1701

Re: Christmas Vacation on a budget

+1 on going non-peak. Even if it's January 2-8th. I've looked into this extensively for Florida and plane tickets, rental cars and hotels are often 2-3x more during the holiday week. And crowds/traffic is so much smaller
by ThankYouJack
Wed Nov 15, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2078

Re: Office Chair Recommendations (Aeron?)

Also, a good sit-to-stand desk. Example . I got one of these (Staples had the best price, last I looked) and it's fantastic. I can sit when I want, then go to standing when I want within about five seconds, and vice-versa. I recommend a low-fatigue floor mat to go along with it. Those seem nice. I ...
by ThankYouJack
Wed Nov 15, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2078

Re: Office Chair Recommendations (Aeron?)

Great, thanks all. Makes complete sense to try before buying.

What stores sell higher end chairs? My local staples only has chairs up to ~$300.
by ThankYouJack
Wed Nov 15, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14742

Re: Why pay cash for a car?

simplicity. Once you get to a certain point in savings, saving time and keeping it simple becomes more important than playing games trying to maximizing every dollar out of things.
by ThankYouJack
Wed Nov 15, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2078

Office Chair Recommendations (Aeron?)

I need a new office chair. I typically go for comfort, but am thinking something that offers more support and good posture will be better. I would be willing to spend a decent amount (maybe $500 or more for something high quality with a warranty) but would be nice to try some out before buying. Any ...
by ThankYouJack
Sun Nov 12, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1168

Re: Frontier Flight Fees

Thanks all. I mixed up the flight day so the saving is closer to $50-100. And after paying for all the fees and hassle, I don't think it's worth it for me. I'm a big Southwest fan especially flying with a family during a time where kids are often sick. Being able to easily switch flights for free is...
by ThankYouJack
Sun Nov 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1168

Frontier Flight Fees

Frontier has some flights I'm interested in for $91 / ticket. Other flights that day are ~$300 / ticket. But Frontier almost seems like a scam with the varying fees like bag fees changing depending on the season and when you specify your checking your bag. Anyway, have other been happy flying with t...
by ThankYouJack
Sun Nov 12, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Working on elevator pitching, sales charisma
Replies: 8
Views: 859

Re: Working on elevator pitching, sales charisma

Thanks all, great advice. I mentioned it to someone I met yesterday and felt I did a pretty good job explaining it and she was quite interested. There's a couple different paths the business can take but once I'm able to do some research, possibly pilot it, and tighten up the pitch that should defin...
by ThankYouJack
Sat Nov 11, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Working on elevator pitching, sales charisma
Replies: 8
Views: 859

Working on elevator pitching, sales charisma

I have a small venture idea that I'm going to try to launch next year. One thing I never want to do is oversell and underperform and certain sales personalities (like exaggerators) bug me. But I can see this as being helpful with quick pitches. anyway, any recommendations on getting better at pitchi...
by ThankYouJack
Thu Nov 09, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: FSA Worth the Hassle?
Replies: 11
Views: 1295

Re: FSA Worth the Hassle?

Thanks all for the responses. It's through my wife's employer and they recently switched FSA providers. Seems really confusing to even just sign up.

If it's too much time, maybe we'll just consider it a donation to help pay down the national debt :P
by ThankYouJack
Thu Nov 09, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: FSA Worth the Hassle?
Replies: 11
Views: 1295

FSA Worth the Hassle?

I believe that is typically is, but my wife's plan is quite a pain. It's even tough signing up and then getting reimbursed. We'll have about $2,500 in childcare costs. So we might save ~$800 in tax. But I believe we would save $2,500 x 20% = $500 in taxes with the child care tax credit, correct? So ...
by ThankYouJack
Wed Nov 08, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1755

Re: Gifts for a marathoner

Great, thanks all. Much appreciated. I know she's read a couple of those books but definitely not all. Safety gear is a safe choice, e.g., something like this: https://www.rei.com/product/842482/amphipod-vizlet-flashing-led-reflectors-yellow-package-of-2. I'd shy away from buying personal items such...
by ThankYouJack
Tue Nov 07, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1755

Gifts for a marathoner

I'm looking to get a gift for someone who inexplicably enjoys running 26.15 more miles than me. Was thinking maybe an inspiring book, or that gives a history and overview of famous ones (she's done Boston and NYC).

Could spend up to $50 or a bit more if something stands out.

Any recommendations?
by ThankYouJack
Mon Nov 06, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 865

Donor Advised Fund to Fund Starting a 501c3

I've thought about setting up a donor advised fund in the past but have yet to do so. I'm now planning to start a non-profit (probably 501c3) where I'll probably be the main funder for the first couple years. If I have a donor advised fund could I use that to fund my non-profit? I'll be looking for ...
by ThankYouJack
Wed Oct 25, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1219

Re: Very social, impactful, fun job ideas?

Can't get much more social than my low paid, part time job in the village library! Few employees mean we wear lots of different hats. I've done Preschool Storytime, Teen Drama Club, Summer Reading Program. I manage the library's social media and website. I answer reference questions and help patron...
by ThankYouJack
Tue Oct 24, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1219

Re: Very social, impactful, fun job ideas?

Thanks all. I have a couple friends teach at community colleges and others who started non-profits so I can inquire more along those lines. I taught snow skiing for 6 years after retirement from my corp 500 job. I taught kids to ski all winter for the first 4 years and then adults for the next 2 yea...
by ThankYouJack
Tue Oct 24, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1219

Very social, impactful, fun job ideas?

My family is getting close to having "enough" and I'm starting to think of second careers during semi-retirement. I'll be pretty picky as I already like my work set up. But I want something where I could have a bigger impact. - won't want a lot of meetings or emails - want to be social, and have an ...
by ThankYouJack
Mon Oct 23, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2473

Re: Renting A Winter Escape For A Month

For the Florida Keys where would your recommend? Looking for a 2-3 bedroom with 2 young kids (pool, close-ish to beach / state parks would be ideal. We've stayed at Hawk's Cay which we absolutely loved, but they're not taking reservations now as they do repairs. Also, how does Captiva compare with ...
by ThankYouJack
Mon Oct 23, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2473

Re: Renting A Winter Escape For A Month

For the Florida Keys where would your recommend? Looking for a 2-3 bedroom with 2 young kids (pool, close-ish to beach / state parks would be ideal. We've stayed at Hawk's Cay which we absolutely loved, but they're not taking reservations now as they do repairs. Also, how does Captiva compare with t...
by ThankYouJack
Mon Oct 23, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: negotiating a home purchase (price reduction v work done by seller)
Replies: 9
Views: 721

Re: negotiating a home purchase (price reduction v work done by seller)

How much will the repairs cost? Also, does the flipper have a lot of experience with great previous work? If the repairs are something they don't want to or can't do, I may be concerned that the house was more than they could handle. If cashflow is tight and you'll need money soon, I wouldn't pay cl...
by ThankYouJack
Mon Oct 23, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Part time (not near retirement)
Replies: 6
Views: 488

Re: Part time (not near retirement)

The conversation between my wife and I went something like "when we look back in our 70s do you think we will have wished we worked more or spent more time with the kids?". The choice was obvious. My thing is similar: When I'm on my death bed, I don't think I'll be looking back thinking "I wish my ...
by ThankYouJack
Mon Oct 23, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Part time (not near retirement)
Replies: 6
Views: 488

Re: Part time (not near retirement)

She makes good money (low six figures) and this is I guess considered our prime earning years (in our low 30s). What should we consider before pulling the trigger on this? I would say these should be your prime living years. I had a full-time job and did consulting before our first was born. Droppe...
by ThankYouJack
Fri Oct 13, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5233

Re: Outback Vs Forester Vs CR-V ??

If you're driving on any snow, ice or sand the Outback will be tough to beat. Also, last I checked (a few years ago) Subaru had some of the top safety tech within it's class.
by ThankYouJack
Tue Oct 10, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How are social security survivor benefits calculated?
Replies: 3
Views: 569

Re: How are social security survivor benefits calculated?

^ Thanks for the response. It seems quite confusing to me. I died today (under 40), I'm wondering roughly how much my spouse and 2 kids would get.

The referenced article says:
"A child under age 18 (19 if still in elementary or secondary school) or disabled -- 75 percent."

75% of what?
by ThankYouJack
Tue Oct 10, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How are social security survivor benefits calculated?
Replies: 3
Views: 569

How are social security survivor benefits calculated?

My current survivor benefits are about $2k per child (2) and spouse (only 1 :D ) and up to ~$4,500 / month. But the SSA still has my income from when I was full-time and my income has reduced in half. How should I expect that to affect the benefits?
by ThankYouJack
Tue Oct 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2297

Re: When to buy new tires? - penny or quarter test

Thanks for the replies. Wound up going with the top rated ones for my car (Michelin Premier A/S) for under $900 OTD with 60k warranty, free alignment and tire rotations. In the past I probably would have waited or gone cheaper but try to skimp much less on things now.
by ThankYouJack
Mon Oct 09, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2297

When to buy new tires? - penny or quarter test

I've heard of the penny test but it looks like Consumer Reports and others recommend replacing tires sooner - https://www.consumerreports.org/tires/when-to-replace-your-tires/ I know a lot of people replace their batteries early on here but who replaces tires at ~4/32" instead of 2/32"? Seems to mak...
by ThankYouJack
Wed Oct 04, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Comparing cost of two homes
Replies: 3
Views: 428

Re: Comparing cost of two homes

What do you mean by "annual cost" and "two different homes"? Do you mean the carrying costs of two different loan amounts? The annual maintenance costs? I'm not sure there is such a tool for the latter since the costs are unknowable (except for things covered by a condo association which would be p...
by ThankYouJack
Wed Oct 04, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Comparing cost of two homes
Replies: 3
Views: 428

Comparing cost of two homes

I love the NYT rent vs buy calculator and was wondering if there's anything similar to compare the annual costs of two different homes.
by ThankYouJack
Mon Oct 02, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 814

Re: Pressure washer with telescoping wand and bleach spray

Thanks all. A few sections I just need to spot clean so I picked up a long extension pole and scrub brush. Will probably do a diluted bleach solution and just hose it down after. I have this unit that I purchased from Amazon to clean the gutters on my two story house without having to get on ladders...
by ThankYouJack
Mon Oct 02, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 814

Pressure washer with telescoping wand and bleach spray

I'm looking to pressure wash my 2 story home without using a ladder that much (especially on the side of the house where it's quite sloped). I'd like to apply a cleaning solution first (bleach plus water?) and then get it with water.

Any recommendations for gear and how to best tackle the job?
by ThankYouJack
Mon Oct 02, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2774

Re: camping trailer...need to change vehicle?

Towing capacity I believe also should include passengers and gear. So if you have 1,000 lbs of passengers and gear in your car, add that to your camper. Another thing to point out is fuel economy. If you're towing near max it could really hurt your fuel economy. Diesel could be worth it. You may als...
by ThankYouJack
Sun Oct 01, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Small "adventure" cooler recommendations
Replies: 5
Views: 664

Re: Small "adventure" cooler recommendations

I wound up going with an Engel Cooler Bag. Was $100, but I've seen Engel outperform Yeti with certain ice tests so know they make a quality brand and the functionality of the cooler seems perfect for family beach days and short camping trips - https://www.youtube.com/watch?v=tMhRU6kFTbA
by ThankYouJack
Fri Sep 29, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing service costs instead of donations
Replies: 7
Views: 425

Increasing service costs instead of donations

I want to start giving back more, especially to help my community. We donate to a few charities, including some small local ones but am considering increasing the price I pay for services. Granted there's no tax deduction, but paying someone directly in my community for help and establishing a great...
by ThankYouJack
Thu Sep 28, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1468

Re: Good camping sleeping pad

The secret to good car camping is a good cot. I recommend EZCot. Super easy to set up and take down. Then put a thermarest base camp pad on top of it. It's almost as good as my bed at home and I don't mind sleeping on it for a week or more at a time. I just tried some out at REI and I think you hit...
by ThankYouJack
Thu Sep 28, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Small "adventure" cooler recommendations
Replies: 5
Views: 664

Re: Small "adventure" cooler recommendations

^ Good to know - the Ozark Tote looks nice. I may swing by my local Walmart to see if they have it on hand. I stopped by REI but they didn't have Ice Mules in stock. The classic is 10L which I realize is small when I look at my 10L dry bag. I also saw an Aqua Quest on Amazon - 12L for $40.
by ThankYouJack
Thu Sep 28, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Small "adventure" cooler recommendations
Replies: 5
Views: 664

Small "adventure" cooler recommendations

I'm looking to buy a small cooler for camping adventures. I don't need a Yeti, but want something better and more versatile than my $5 foam cooler or large basic beach cooler. The Icemule - https://www.rei.com/product/896374/icemule-classic-cooler is appealing because of it's softshell and waterproo...
by ThankYouJack
Thu Sep 28, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1468

Re: Good camping sleeping pad

Thanks all. Seems like I can't go wrong with Thermarest. Some are pricer than I was planning to spend, but I've gone cheap in the past and have never been super satisfied. I'll go to an outdoor store to try some out to see how they feel. Will probably buy from REI or another store with great return ...
by ThankYouJack
Wed Sep 27, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1468

Good camping sleeping pad

I'm looking for a comfortable camping sleeping pad mostly car camping as I already have a hiking sleeping pad. I'd still like something that packs relatively small. I may go to an outdoor store so I can try some out. Any tips and what should I look for?
by ThankYouJack
Mon Sep 25, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wait on 529 if you may want to liquidate before college?
Replies: 7
Views: 617

Re: Wait on 529 if you may want to liquidate before college?

OP, There is a significant tax advantage if you have a large taxable account when you early retired. You have the flexibility of minimizing your tax burden by spending money from different account depending on the tax situation of each year. KlangFool That's a good point. We could be paying 0% on t...
by ThankYouJack
Mon Sep 25, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Wait on 529 if you may want to liquidate before college?
Replies: 7
Views: 617

Re: Wait on 529 if you may want to liquidate before college?

I don't consider a 10% penalty on "earnings" too harsh for the ability to potentially invest tax-free for 20 years. The penalty is 10% on earnings, plus earnings taxed at income tax rates and not LTCG rates. So earnings on non-qualified withdrawals will be taxed about 25% more compared to earnings ...