Search found 1067 matches

by guitarguy
Fri Apr 08, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 1784

Re: American Airlines

technovelist wrote:My experience with AA has been better than that, but we'll see if they have gotten worse in the past few months as I'm traveling to Philadelphia via AA in 10 days.


Just flew AA round trip for a long weekend trip from March into April.

Had a completely pleasurable experience.

YMMV.
by guitarguy
Fri Mar 18, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up an LLC for a small business
Replies: 29
Views: 2120

Re: Setting up an LLC for a small business

LLCs are super easy and in almost all cases preferable to being a sole proprietor. Could you elaborate on the benefits of an LLC over sole proprietor? I'm just a musician that runs a band, and I've thought about doing an LLC, but never really found the cost vs benefits to be worth it. The most comm...
by guitarguy
Fri Mar 18, 2016 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Age 29; stay in smaller house or buy a bigger house?
Replies: 44
Views: 4006

Re: Age 29; stay in smaller house or buy a bigger house?

We have a 2 year old and one on the way plus a 55# dog in a 1700 sf 3/2. The space isn't an issue. We like our small house) 1700 sqft is small?? HA! :mrgreen: Our house is a 990 sqft bungalow. We love it. Excellent location. No kids yet, but 2 dogs and a cat. Sure we would love to have more than 1 ...
by guitarguy
Fri Mar 18, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Setting up an LLC for a small business
Replies: 29
Views: 2120

Re: Setting up an LLC for a small business

hardrain wrote:LLCs are super easy and in almost all cases preferable to being a sole proprietor.


Could you elaborate on the benefits of an LLC over sole proprietor?

I'm just a musician that runs a band, and I've thought about doing an LLC, but never really found the cost vs benefits to be worth it.
by guitarguy
Wed Mar 16, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24973

Re: Don't understand nutrition and exercise

I respectfully suggest that many of you should stop worrying about how your body LOOKS and start focusing on what it can DO. Get your squat to 2x bodyweight. Get your chin-ups to 20 dead-hangs unbroken. Get your 5k time below 20 minutes. Then worry about whether you look like an Abercrombie model. ...
by guitarguy
Thu Mar 10, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 24973

Re: Don't understand nutrition and exercise

I haven't read every post on this thread...but I think there's one thing that's also important to remember amid all these discussions: Not everything works the same for everyone. Our bodies all respond differently to different diets, exercise regimens, etc. What works for someone else may not work, ...
by guitarguy
Thu Mar 10, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 54
Views: 8298

Re: Help with an adults only all-inclusive

It's not Mexico but my wife and I had an amazing time at Sandals Grande in St. Lucia. It is both adults and couples only. 9 different restaurants to choose from and lots of different bars, all with different themes. ^Seconded. Although, we stayed at the smaller, cheaper, and less bustling Halcyon, ...
by guitarguy
Fri Feb 26, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Unfinished basement ideas
Replies: 34
Views: 2967

Re: Unfinished basement ideas

This post could have come verbatim from me last fall, with the exception of the sqft. We ended up with an awesome family room down there for very reasonable $$. We did the following: 1. Spray painted ceiling black and installed some recessed lighting. Paint was an all out MESS...but looks amazing. 2...
by guitarguy
Thu Feb 18, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 897

Re: 2 Days in Toronto (& Hilton Rewards Amex info)

CN Tower is definitely another highlight. Eaton Centre has all the big name stores that you would want, Holt Renfrew (Bloor St) is the really posh shopping. ROM famous for its dinosaur bones. I think the CN Tower is going to definitely make the cut, and seeing some dino bones could be cool. Eaton C...
by guitarguy
Wed Feb 17, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 12754

Re: Weight Loss Plans?

The weigh in thing is just my opinion...to each their own. If you're interested in those kinds of fluctuations...cool...but I don't really think you're gaining any valuable info by weighing that often. It might be interesting just to see, but what are you really learning? You are learning that when...
by guitarguy
Wed Feb 17, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 897

Re: 2 Days in Toronto (& Hilton Rewards Amex info)

runner9 wrote:We did 4-5 days vacation last summer. Used the PenFed Visa with no fee. Had our then 5 year old so we did a lot of kids friendly stuff. I'd recommend the CN Tower.


PenFed visa has no fee!!?? For some reason I forgot to check that one! :oops:

Well...that's settled! :sharebeer
by guitarguy
Wed Feb 17, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 12754

Re: Weight Loss Plans?

5. Don't weigh yourself every day...it's a waste of time. Your bodyweight can fluctuate enough to make daily weigh-ins basically worthless. Weigh yourself once a week (if that) under the same conditions. In the morning after your shower, for example. I found it worthwhile to weigh oneself every day...
by guitarguy
Wed Feb 17, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 178
Views: 12754

Re: Weight Loss Plans?

Here are some thoughts from a 30 y/o dude that went from a svelte (and by svelte I mean fat and couldn't jog a mile to save myself from a zombie attack) 268 lbs in high school to a pretty decently in shape (circa 14% body fat) 190 lbs today. I'm 6'3". Over the last 13-14 years, other than prett...
by guitarguy
Wed Feb 17, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 897

Re: 2 Days in Toronto (& Hilton Rewards Amex info)

Looking forward to our trip!! Side question...does anyone have any advice on what to do as far as currency goes? Should we actually exchange some cash? I'm pretty sure that all of my credit cards do charge a foreign transaction fee...Amex BlueCash Pref being the lowest at 2.7% if I'm not mistaken. D...
by guitarguy
Fri Jan 22, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 897

Re: 2 Days in Toronto (& Hilton Rewards Amex info)

Thanks for all the details! Looks like we've got a lot to look over!

Also, we're set with passports.
by guitarguy
Fri Jan 22, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Closing Tomorrow - Payoff Discrepancy?
Replies: 13
Views: 1605

Re: Closing Tomorrow - Payoff Discrepancy?

Obviously didn't say it properly by not specifying which month (thought it was clear). If OP closes on October 2nd and the old lender required October payment at closing, he has 30 days of interest coming to him as a refund. If he closes on 9/30, he shouldn't pay the October P&I at all so no re...
by guitarguy
Fri Jan 22, 2016 7:42 am
Forum: Personal Consumer Issues
Topic: 2 Days in Toronto (& Hilton Rewards Amex info)
Replies: 16
Views: 897

2 Days in Toronto (& Hilton Rewards Amex info)

Hi All! Wife and I are taking a short vacation in Jul to Toronto. We decided to stay at the Hilton in downtown...and their offer for a Hilton Rewards Amex suckered me in...$0 annual fee...and for signing up and spending $750 we get a $50 statement credit and enough reward points to get one of our 2 ...
by guitarguy
Wed Jan 06, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 119
Views: 11490

Re: profitable hobby?

laughing my ass off from the stage at people's ridiculous dance moves That might be me. And me too. And if I was out on the floor filled with liquid courage...me too. But honestly...that's the beauty of it for me. Some might just think ya it's just a cover band or whatever but it's actually very sa...
by guitarguy
Tue Jan 05, 2016 1:21 pm
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 119
Views: 11490

Re: profitable hobby?

Picked up guitar in college 10 years ago, started a band with a friend I've known since middle school, played LOTS of dumpy dive bars for no money, built the band up a bit, now pull in about $15k per year net profit performing 3-5 times per month. There are some headaches from time to time and it's ...
by guitarguy
Tue Jan 05, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: How do you have fun?
Replies: 73
Views: 5410

Re: How do you have fun?

My weekends are busy as I'm a working musician "on the side"...playing in and managing a band that performs at weddings, corporate events, bars/nightclubs, etc. That eats up 4-5 Friday/Saturday nights per month for me, and more time on top of that for arranging songs and rehearsing, updati...
by guitarguy
Sat Oct 03, 2015 3:19 pm
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 1334

Re: Pseudo Finished Basement Heating

I have one like this; different color but same kind of design. http://www.lowes.com/pd_149370-61993-MD300TGA_0__?productId=3642918 The 30,000 BTU is more than enough for my full basement. I can blow everyone out with heat down there if I left it turned on high. The "thermostat" on the top...
by guitarguy
Fri Oct 02, 2015 10:17 pm
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 1334

Re: Pseudo Finished Basement Heating

I live in Grand Rapids. I use a ventless gas heater that mounts on the wall in an inconspicuous spot close to a natural gas pipe that I hooked it up to. It works great. It's got an adjustable thermostat on it so you can have it kick on/off at different temps. It takes a little trial and error to ge...
by guitarguy
Fri Oct 02, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 1334

Re: Pseudo Finished Basement Heating

You could consider in-floor heating, the type that consists of wires in a mat, laid under tile. It's easy to do, and retains heat for a while even after it's off. You can set it to 65 and still be pretty comfortable. I've used it in bathrooms, and it's well worth the trouble, IMO. This would be my ...
by guitarguy
Fri Oct 02, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 1334

Re: Pseudo Finished Basement Heating

I live in Grand Rapids. I use a ventless gas heater that mounts on the wall in an inconspicuous spot close to a natural gas pipe that I hooked it up to. It works great. It's got an adjustable thermostat on it so you can have it kick on/off at different temps. It takes a little trial and error to ge...
by guitarguy
Fri Oct 02, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 1334

Re: Pseudo Finished Basement Heating

If you have concrete block walls, have you considered insulating the walls / rim joists as part of this project? In Michigan, there's likely eventual payback by reducing home heating costs, and would reduce the need for new heat in the basement. Dow Thermax White Face is in insulation product that ...
by guitarguy
Fri Oct 02, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Pseudo Finished Basement Heating
Replies: 23
Views: 1334

Pseudo Finished Basement Heating

Hi Everyone, We have an unfinished basement that we decided to pseudo-finish...spray painted the ceiling with all the wires and piping and everything black which looks really cool actually...and going to re-paint the concrete block walls and epoxy coat the floor. Throw down some area rugs and add a ...
by guitarguy
Thu Sep 24, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Closing Tomorrow - Payoff Discrepancy?
Replies: 13
Views: 1605

Re: Closing Tomorrow - Payoff Discrepancy?

I got to the root of it. Because it's an FHA loan they're asking for another full month's interest and MIP payment in case the loan doesn't clear on the 30th and goes over to the 1st. This is after I was specifically told in writing (it was just an email...but still) that if I closed this week they ...
by guitarguy
Thu Sep 24, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Closing Tomorrow - Payoff Discrepancy?
Replies: 13
Views: 1605

Re: Closing Tomorrow - Payoff Discrepancy?

I'm thinking it's fees. Recording fees, documentation fees, payoff quotes sent to the title company, etc. Have you called the lender to get more info on the breakdown? All the fees for the title company, the loan origination fees, appraisal, etc are ALL line by line items that are excluded from thi...
by guitarguy
Thu Sep 24, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Closing Tomorrow - Payoff Discrepancy?
Replies: 13
Views: 1605

Closing Tomorrow - Payoff Discrepancy?

I've asked this same question to my title company, but I'm hoping you all can help me shed some light on this also. My current mortgage balance is 84,467.97, and on my HUD it says the payoff amount is $85,279.81. Can someone help explain this to me? I'm aware I should be paying all the interest that...
by guitarguy
Tue Sep 01, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 37559

Re: What are Costco's best deals?

Do you know if that means that Costco will no longer accept Amex in general? Or they're just doing away with their Costco Amex? If they stop accepting Amex altogether that will suck! :annoyed From what I have read, Costco will change from Amex to a Citi Visa. When that takes effect, they will no lo...
by guitarguy
Tue Sep 01, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans and my house
Replies: 12
Views: 1405

Re: Student Loans and my house

Many Bogleheads are so reflexively financially defensive in regards to marriage I have no idea how any of you are married at all. Keep bank accounts separate, this is my money that's yours. Keeps loans separate. That's your debt I want nothing to do with it. Sign a paper saying this is my house no ...
by guitarguy
Tue Sep 01, 2015 11:18 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 37559

Re: What are Costco's best deals?

Gas with Amex CC which is going away at end of calendar year What exactly is going away at the end of the year? I think he means Amex. Costco is switching to Citibank for their credit cards starting in April and all of the Costco Amex cards will be closed. I'm pretty ticked about it because switchi...
by guitarguy
Mon Aug 31, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 37559

Re: What are Costco's best deals?

carolinaman wrote:Gas with Amex CC which is going away at end of calendar year


What exactly is going away at the end of the year?
by guitarguy
Fri Aug 28, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund or debt?
Replies: 15
Views: 1162

Re: Emergency fund or debt?

The majority of the non-auto debt is house maintenance (paint, windows, pool issues, garage door, etc). Since, we have no emergency fund or buffer, anytime something big crops up, it goes on credit. p.s. I will never buy a 40+ year old house again. Those don't all sound like emergencies...just sayi...
by guitarguy
Mon Aug 24, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Ways to reduce basement humidity
Replies: 20
Views: 2001

Re: Ways to reduce basement humidity

I have two 70 pint dehumidifiers in my 1,800 SF basement. I set one to 55% humidity, the other to 50%. The one set to 55% only tends to come on during the hottest, most humid summer days. These drain into my sump pit, so no water to empty. Ralph This is the way to go. My basement only needs 1 dehum...
by guitarguy
Fri Aug 21, 2015 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Update: Pay Mortgage or Pay Student Loans
Replies: 45
Views: 4619

Re: Prepping to sell home: Pay Mortgage or Pay Student Loans

1. Do not sell the house. You seem to like everything about it, moving is expensive, and you wouldn't save much shopping for a house that isn't much cheaper. And I wouldn't bank on real estate markets. 2. Adjust your withholding ($7k return is way high, and this is coming from someone that likes to ...
by guitarguy
Tue Aug 18, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: High Deductible Health Plan Question
Replies: 12
Views: 1464

Re: High Deductible Health Plan Question

When looking at a high deductible health plan also remember that you may have to pay the limits twice in something happens like you are in a bad accident in December and still getting significant treatments in January. Yep...this is the same case with a $3k deductible and baby due at the end of Jan...
by guitarguy
Thu Aug 13, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: 5 Finance Myths Millennials Should Avoid
Replies: 32
Views: 5898

Re: 5 Finance Myths Millennials Should Avoid

I disagree with the idea that using credit card rewards for everyday purposes is a good way to save money. The banks don't do this to be nice, they do it because they understand human behavior, and know they will make more by getting you the consumer to spend more. They offer a financial reward to ...
by guitarguy
Wed Aug 12, 2015 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 5 Finance Myths Millennials Should Avoid
Replies: 32
Views: 5898

Re: 5 Finance Myths Millennials Should Avoid

Im curious what you found that was so bad in this article. Not much of it goes into numbers - so everything is "it depends..." I didn't find the advice terrible though. Here's what I saw: 1. It says you can have credit cards, so long as you pay off your bill every month. It's a bit wishy-...
by guitarguy
Tue Aug 11, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Perfect Time to Convert 401k to Roth IRA?
Replies: 9
Views: 803

Re: Perfect Time to Convert 401k to Roth IRA?

Re: Tax in Retirement: I'm not sure! How do you estimate this? I mean...my income will (hopefully) continue to increase over the years...and wife wants to go back to school & then work down the line when kids are grown...so it very well could be higher. Higher at retirement is not relevant. Hig...
by guitarguy
Tue Aug 11, 2015 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Perfect Time to Convert 401k to Roth IRA?
Replies: 9
Views: 803

Re: Perfect Time to Convert 401k to Roth IRA?

UPDATE: Hi all, I looked at my taxable income numbers for the last couple of years; it looks like this: 2013: $65,317 2014: $72,692 2015: will be higher due to starting new job in May 2014 - first full year in new position - irrelevant to conversion but just FYI. Maxed HSA and upp'd 401k contributio...
by guitarguy
Sun Aug 09, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refi out of FHA loan?
Replies: 21
Views: 1211

Re: Possible to refi out of FHA loan?

Do you have bad credit? Why aren't you getting market rates? Not sure if this is trolling or what...but I have excellent credit and the rate I'm getting is below market rate, even before I pay 1/4 of a point to shave the rate down below 3%. apologies, I was looking at your previous rates. They look...
by guitarguy
Sun Aug 09, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refi out of FHA loan?
Replies: 21
Views: 1211

Re: Possible to refi out of FHA loan?

Deleted: duplicate post
by guitarguy
Fri Aug 07, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Hello! Feeling lost. Finance advice for a newcomer?
Replies: 17
Views: 1852

Re: Hello! Feeling lost. Finance advice for a newcomer?

The simple answer is that you need invest in paying off your debt before you do anything else. Sorry to be blunt but I suggest you and your fiance pay most of her debt off before you get married. Note that once you get married you also marry that $300k plus of your wife's debt. And divorce won't ch...
by guitarguy
Fri Aug 07, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: General Finance Strategies for Upper Middle Class
Replies: 33
Views: 5698

Re: General Finance Strategies for Upper Middle Class

This might be uncomfortable or even painful to contemplate, but FWIW kids are one of the biggest expenses. Wonderful as they are, raising kids and sending them to college costs amazing amounts of money. I've forgotten the exact numbers, but IIRC it's something like a couple of hundred thousand doll...
by guitarguy
Fri Aug 07, 2015 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Admiral Shares
Replies: 13
Views: 2225

Re: Vanguard Admiral Shares

Not to hijack the thread, but I've always wondered about something related to this: If you switch from investor to admiral shares with a balance that's only a bit over $10k, and the fund's value happens to go back below $10k (where $10k is the minimum investment for admiral shares), how do they hand...
by guitarguy
Fri Aug 07, 2015 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What kind of receipts should be saved for HSA account?
Replies: 20
Views: 1443

Re: What kind of receipts should be saved for HSA account?

We swipe our HSA debit when we pay bills from doc offices, etc. I usually call and pay over the phone, and then save the statement/invoice/receipt/etc....whatever documentation is available...in a file folder. I would think this would be more than enough documentation for an audit. EOBs are all avai...
by guitarguy
Fri Aug 07, 2015 9:29 am
Forum: Personal Finance (Not Investing)
Topic: General Finance Strategies for Upper Middle Class
Replies: 33
Views: 5698

General Finance Strategies for Upper Middle Class

Another spinoff thread here...the "life insurance strategies for upper middle class" thread got me thinking... Are there any other tips/advice/strategies that could benefit us upper middle class folks that do well but are far from being as wealthy as many other Bogleheads? Sure, there is a...
by guitarguy
Thu Aug 06, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refi out of FHA loan?
Replies: 21
Views: 1211

Re: Possible to refi out of FHA loan?

I'm pretty confident this is a good decision! :D Agreed. Here's another gee-whiz table, with $3500 closing costs rolled in -- or not. roll in closing costs balance rate months pmt(P&I) tot paid interest savings keep current mtg $84,000 5.125% 228.3 $576.71 $131,673 $47,673 refi & roll in co...
by guitarguy
Thu Aug 06, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to refi out of FHA loan?
Replies: 21
Views: 1211

Re: Possible to refi out of FHA loan?

clutchied wrote:Do you have bad credit? Why aren't you getting market rates?


Not sure if this is trolling or what...but I have excellent credit and the rate I'm getting is below market rate, even before I pay 1/4 of a point to shave the rate down below 3%.

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