Search found 398 matches

by j0nnyg1984
Sun Jul 15, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4332

Re: Denied for an auto loan 2 weeks after purchase??

I have heard dealers use this as a ploy to bump the interest rate. Get you into the car for a few days and you "love it". Then come back with the denial and change the terms. As iridium says the loan is first with the dealer. If they can bump the rate maybe the spread between the dealer & the bank ...
by j0nnyg1984
Wed Jul 11, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Financial adviser in Portland metro area
Replies: 11
Views: 1039

Re: Financial adviser in Portland metro area

I just found this person online and will call for an interview type of meeting. He is both a CPA and a CFP and will write up a plan for $250 per hour. http://pdxadvisors.com/services/financial-planning I need tax advice, but I also need someone who knows about Roth conversions, RMDs, ACA surtax, Me...
by j0nnyg1984
Mon Jul 09, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1862

Re: Investing cash into Vanguard target retirement fund

It looks like VTTSX should be available to all vanguard customers, from my quick google search. It is a great fund for you until you reach the level of assets necessary to purchase the individual underlying funds in Admiral class, which will reduce your fund expenses substantially. Unless you have a...
by j0nnyg1984
Mon Jul 09, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Financial adviser in Portland metro area
Replies: 11
Views: 1039

Re: Financial adviser in Portland metro area

There aren't any good planners around here as far as i can tell. I looked a few years ago for advise for my parents, it was all worthless, all wanted to be AUM, and the one person who would provide a sample plan just recommended the same 20 or 30 high cost funds that every new EJ-ish advisor does. A...
by j0nnyg1984
Mon Jul 09, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5772

Re: Any Dry Powder Strategies?

What a cornball term. I've only ever heard it on prepper and silver stackers forums.

My strategy for my cash is to leave it in cash.
by j0nnyg1984
Sat Jul 07, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Wired/Wireless Headphones with Mic
Replies: 8
Views: 774

Re: Wired/Wireless Headphones with Mic

my bose QC35 are amazing, but I don't think you need to spend $350 for a set of cans to watch tv and make calls.

Why do you need noise cancelling?
by j0nnyg1984
Sun Jun 17, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 22
Views: 1695

Re: Has Anyone Tried Youtube TV?

My brother has it and loves it. Watched all of the NBA playoffs and said he didn't have any major buffering or quality issues.
by j0nnyg1984
Thu Jun 14, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 9721

Re: At what point to buy new car for safety

Never. I'd prefer to drive a model-t over one of the piece of crap electronic riddled cars of this generation. Good luck surviving an accident in your Model T, when getting hit by one of the "this generation" cars you reference. God, you're so right. It's amazing that I've made it 30-something year...
by j0nnyg1984
Thu Jun 14, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 9721

Re: At what point to buy new car for safety

Never. I'd prefer to drive a model-t over one of the piece of crap electronic riddled cars of this generation. I think not all but some of the tech is neat and definitely helpful. Didn't a bunch of people feel seat belts and air bags made cars more dangerous when they first came out? Maybe some sti...
by j0nnyg1984
Wed Jun 13, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 9721

Re: At what point to buy new car for safety

Never.

I'd prefer to drive a model-t over one of the piece of crap electronic riddled cars of this generation.
by j0nnyg1984
Mon Jun 04, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 32
Views: 4738

Re: Flight cancelled. Entitle to any compensation?

AA recently changed a 6 hour trip into a 20 hour ordeal. After getting stymied by the first two “customer service” reps on the phone, I filled out the survey they sent via e-mail and also wrote a detailed complaint. I’m told that social media works even better for prompting a response. I ultimately...
by j0nnyg1984
Sat Jun 02, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Laptop privacy screen covers - recommendations ?
Replies: 8
Views: 359

Laptop privacy screen covers - recommendations ?

I'm not sure why this has taken me so long to look into, but I fly almost weekly for work, last year about 140k miles, spend a lot of time in the lounges, etc.

I'm interested in a privacy screen cover for my laptop, but it should be easily removable. Any suggestions? Laptop is currently a 14" HP.
by j0nnyg1984
Fri Jun 01, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Energy Industry [looking for website to discuss]
Replies: 23
Views: 1644

Re: Energy Industry

I'm sure rigzone is still around.
by j0nnyg1984
Fri Jun 01, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44949

Re: Name something you had to have and now you regret purchasing it?

G30. Should've put the ~$600 into a WWII original 1911 like I really want. Or, an old Colt detective special like I want right now.
by j0nnyg1984
Fri Jun 01, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16787

Re: Top Shelf Liquor Overrated?

Once a brand becomes "the latest and the greatest" the quality is sure to suffer. A recent example in my experience is Angel's Envy bourbon, which is aged in port wine barrels. I received a bottle as a gift a few years ago and found it to be a pleasant bourbon to drink neat. According to my local l...
by j0nnyg1984
Mon May 28, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever overpaid your federal income tax bill?
Replies: 17
Views: 1521

Re: Have you ever overpaid your federal income tax bill?

Lots of people deliberately overpay their federal taxes in order to purchase paper savings bonds with the refund.
by j0nnyg1984
Mon May 28, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 3953

Re: When and how often do you rebalance

I rebalance within the first few days of the year. I check my balances and get my worksheets filled out on the 1st, make whatever trades are necessary, and finish the rebalance with my rIRA contribution as soon as business resumes. I don't even look at the market, or my accounts, for the rest of the...
by j0nnyg1984
Mon May 28, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index vs 500 Index
Replies: 18
Views: 3248

Re: Vanguard Total Stock Market Index vs 500 Index

I use VTSAX where I have the choice (tIRA, taxable) and VFINX where I don't have a choice (401k). No regrets either way.
by j0nnyg1984
Sat May 19, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Good time to buy a house or wait it out
Replies: 21
Views: 2077

Re: Good time to buy a house or wait it out

I wouldn't buy today, and I'm very seriously considering selling my condo that I bought at the end of 2014. I'm sitting on just over 100k, patiently waiting for the market to implode. If it does, I buy a house somewhere. If it doesn't, I pay off my condo and continue with life. My deadline is the en...
by j0nnyg1984
Sat May 19, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1738

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

your situation doesn't sound very specific or special, tbh.

my general rule of thumb:
  • 401k (or equivalent) to match
  • HSA to max
  • IRA to max
  • 401k (or equivalent) to max
Since you don't get a match, I would skip the 403b until the other two buckets are full.
by j0nnyg1984
Tue May 01, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 63
Views: 9212

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

I cracked mine a few weeks ago, added another 10k, and locked it up into a Capital One 12 month CD paying 2.1%. I really didn't want to lock up the money for a year, but it's only a 3 month penalty if for some reason I needed that money.
by j0nnyg1984
Sat Apr 28, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 301
Views: 37838

Re: MoviePass-Too good to be true, but it's legit.

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. That is no joke. we went to the movies Friday for the first time in years - I ...
by j0nnyg1984
Mon Apr 16, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: New State Department FCU 2% cash back credit card
Replies: 5
Views: 436

Re: New State Department FCU 2% cash back credit card

$200 isn't enough to burn a hard pull unless someone has already worked through all of the "good" cards from the major banks.
by j0nnyg1984
Sun Apr 15, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3162

Re: Recommend airline luggage fitting in overhead bin?

Leave it to the boglehead forums to take a simple question and complicate it to the nth degree. First of all: you don't want a four wheel spinner. They are junk, and the wheels are garbage. Sorry, but I can't give you info about those, as I don't use them. I have, and would recommend, Eagle Creek. I...
by j0nnyg1984
Sat Apr 14, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 13256

Re: How Far is too Far, Commuting?

I fly for every job, so...

But, back when I had a "local" job that I drove to daily, it was 15-45 minutes depending on traffic. I wouldn't do any longer than that, period. And that's pushing it.
by j0nnyg1984
Thu Apr 12, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 95166

Re: Bank of America/Merrill Edge - Preferred Rewards

spacecadet610 wrote:
Wed Apr 11, 2018 1:32 pm
i have preferred rewards but never bothered getting a safe deposit box. What are people storing in there?
Mine is full of gold and silver.
by j0nnyg1984
Mon Apr 09, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Parents have zero savings. What can I do?
Replies: 168
Views: 15919

Re: Parents have zero savings. What can I do?

My in-laws are in their 60's and consistently make comments and drop hints to my wife about how they "have no savings... will never be able to retire... are having financial problems... etc". When asked pointed questions about their financial situation, their investments, or their plans for retirem...
by j0nnyg1984
Mon Apr 09, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 95166

Re: Bank of America/Merrill Edge - Preferred Rewards

I have a free small safe deposit box. The bank manager told me that the credit I receive is $75 / year. I can use it for a "free" small box, or apply the credit towards payment for a larger, more expensive box.

this is what it looks like in my account, btw:

Image
by j0nnyg1984
Fri Apr 06, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Car was totaled, next steps?
Replies: 18
Views: 1050

Re: Car was totaled, next steps?

To keep it in simple terms, you're going to get screwed, and there's nothing you can do about it.

It sucks, it wasn't your fault, but your insurance company will never pay you over the market value for an equivalent vehicle.
by j0nnyg1984
Fri Mar 23, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4342

Re: London Hotels

Not the TS, but I'm staying in London later this year, too. We're flying into LHR. I was planning on staying at the DoubleTree at Victoria Station due to very easy proximity to everything. In town for six nights. Any comments? Do I have a direct train from LHR to the hotel? I've done a small amount...
by j0nnyg1984
Thu Mar 22, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4342

Re: London Hotels

Not the TS, but I'm staying in London later this year, too. We're flying into LHR. I was planning on staying at the DoubleTree at Victoria Station due to very easy proximity to everything. In town for six nights. Any comments? Do I have a direct train from LHR to the hotel? I've done a small amount...
by j0nnyg1984
Wed Mar 21, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4342

Re: London Hotels

Not the TS, but I'm staying in London later this year, too. We're flying into LHR. I was planning on staying at the DoubleTree at Victoria Station due to very easy proximity to everything. In town for six nights. Any comments? Do I have a direct train from LHR to the hotel? I've done a small amount...
by j0nnyg1984
Wed Mar 21, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13185

Re: What is your favorite reasonably priced bourbon?

None of that trash from MGP (look it up) What a ridiculous statement. If you're telling other people to "look it up," I'm sure you're aware that MGP has many award winning liquors? Now, don't get me wrong, I think it's quite shady that people buy a wholly MGP produced liquor and rebrand it as their...
by j0nnyg1984
Wed Mar 21, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13185

Re: What is your favorite reasonably priced bourbon?

I try to stick only with single barrels.

currently have Colonel EH Taylor, Blantons, and Four Roses. I have a bottle of Jim Beam, the cheap stuff, and it's absolutely disgusting. My go-to mixer is the Kirkland branded bottle of Crown.
by j0nnyg1984
Wed Mar 21, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations
Replies: 43
Views: 5176

Re: Credit Card Recommendations

Jags4186 wrote:
Wed Mar 21, 2018 4:41 pm
Every person should have a Citi Double Cash and now that it offers a $100 bonus it’s that much better.
Why would I want the downgrade?
by j0nnyg1984
Wed Mar 21, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 10
Views: 864

Re: Roth IRA

I don't think your first response is correct. No contributions can be made in your wife's name for a tax year in which she reported no income. If she had some hobbies or part-time work or sold some things on eBay (or you/the whole family did, but just answer any questions that the account was hers)...
by j0nnyg1984
Wed Mar 21, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 10
Views: 864

Re: Roth IRA

infotrader wrote:
Wed Mar 21, 2018 2:57 pm
IRA stands for "individual retirement account". Everyone has his/her own account.
Yeah, that's actually not what it stands for.

https://www.irs.gov/retirement-plans/in ... ments-iras
by j0nnyg1984
Mon Mar 19, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4342

Re: London Hotels

Not the TS, but I'm staying in London later this year, too. We're flying into LHR. I was planning on staying at the DoubleTree at Victoria Station due to very easy proximity to everything. In town for six nights. Any comments? Do I have a direct train from LHR to the hotel? I've done a small amount ...
by j0nnyg1984
Thu Mar 15, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: At what point does it make sense to pay down your mortgage?
Replies: 76
Views: 8382

Re: At what point does it make sense to pay down your mortgage?

I am in the position you described. Only debt is my mortgage, maxing out 401k / rIRA / HSA, with no desire to invest further. I'm saving up all of my cash in a savings account for the next ~12 months. If the housing market stays as it is, I will pay off my mortgage in one lump. If the market shows s...
by j0nnyg1984
Wed Mar 14, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance
Replies: 16
Views: 1930

Re: Umbrella Insurance

letsgobobby wrote:
Wed Mar 14, 2018 8:32 am
We pay $100 per million. No teenage drivers.
Same here. No dogs, no swimming pool :mrgreen:
by j0nnyg1984
Fri Mar 09, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidated Taxable Investments for down payment, but we backed out
Replies: 7
Views: 713

Re: Liquidated Taxable Investments for down payment, but we backed out

If you're actively looking to buy a house that money shouldn't be invested anyways.

Put it in a 1.5% money market account at Ally or Cap 1 and let it sit until you make a decision.
by j0nnyg1984
Mon Mar 05, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Should I agree to have my driving monitored in exchange for lower rates?
Replies: 65
Views: 5443

Re: Should I agree to have my driving monitored in exchange for lower rates?

I did progressive snapshot about 10 years ago. Received the maximum discount of 30%. Then something happened and they wanted me to do it again, but for 6 months instead of 3. I said no. When I switched to State Farm two years ago, the price the agent quoted me included the stipulation that I downloa...
by j0nnyg1984
Sun Mar 04, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Flying Frontier- Heads Up
Replies: 21
Views: 2644

Re: Flying Frontier- Heads Up

expecting, or being upset with the lack of, a refund because the fare price went down is absolutely ridiculous. Would you have sent them a check for the difference if the price went up? Frontier is one of the worst-rated carriers because their planes are cramped and smashed full of 30-31" legroom ec...
by j0nnyg1984
Sun Mar 04, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Luggage/travel recommendations?
Replies: 54
Views: 3806

Re: Luggage/travel recommendations?

Eagle Creek makes fantastic luggage that I've been using lately. Look at the handle and the wheels; those are the two most important parts. Don't get a bag with the 4 spinning wheels, they're junk. In complete opposition to the last poster, if you're going to be doing any significant amount of trav...
by j0nnyg1984
Sun Mar 04, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: $500 gift card, what to do?
Replies: 42
Views: 3398

Re: $500 gift card, what to do?

Multiple reasons why gift cards sell for a premium on fleabay. I don't shop there, so this is all second hand, but common reasons are use of discount codes / certificates / "eBay Bucks," and I'm sure the primary reason is CC / PayPal fraud. I wouldn't get involved in eBay. Since this is a Visa gift ...
by j0nnyg1984
Sun Mar 04, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Luggage/travel recommendations?
Replies: 54
Views: 3806

Re: Luggage/travel recommendations?

Eagle Creek makes fantastic luggage that I've been using lately. Look at the handle and the wheels; those are the two most important parts. Don't get a bag with the 4 spinning wheels, they're junk. In complete opposition to the last poster, if you're going to be doing any significant amount of trave...
by j0nnyg1984
Sun Mar 04, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Credit Card- new cash back card offer.
Replies: 11
Views: 1849

Re: USAA Credit Card- new cash back card offer.

It's not good.

What happened to their 2.5% CB card?
by j0nnyg1984
Sun Mar 04, 2018 2:39 am
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6281

Re: What will you do with your tax refund?

My monstrous $970 refund went directly into my cap 1 money market.

1.5%!
by j0nnyg1984
Sun Mar 04, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Boglehead business travelers - preferences
Replies: 23
Views: 2720

Re: Boglehead business travelers - preferences

Most of this completely depends on locations. I fly AA as much as possible. Exec platinum status for the last 4 years. Our corporate discount is through Avis, so I use them I have a great corporate discount code for Hilton, so i use them. I use my personal BoA premium rewards CC for all of my work e...
by j0nnyg1984
Sun Mar 04, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: iPhone won't ring for incoming calls
Replies: 10
Views: 1343

Re: iPhone won't ring for incoming calls

Glad you got it figured out, but to anyone else with a similar issue, make sure you check the "do not disturb" function. My mom had inadvertently switched this on and complained about it to me - took me about 3 seconds to figure it out, but she had been battling it for a couple of days.