Search found 308 matches

by j0nnyg1984
Tue Nov 21, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 35
Views: 3008

Re: Your favorite Costco wines?

We bought, and drank, a $10 bottle of 2015 Kirkland cab last night. It was horrible. No depth, no real flavor. The $9 bottle of Columbia crest cab we had after that was 100x better.
by j0nnyg1984
Sun Nov 19, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 1164

Re: Bank of America Premium Rewards card

I love it. Have had the highest tier status for a year or two now. I put ~$10k of work expenses on my card monthly, so I really rake in the cash back. I moved my tIRA from vanguard for a bonus - a year later I moved my rIRA for another bonus.


The setup currently cannot be beaten anywhere else.
by j0nnyg1984
Sun Nov 19, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum
Replies: 10
Views: 1999

Re: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum

I'll stick with the no EWP CD at ally instead. Not worth the risk to me.
by j0nnyg1984
Sun Nov 19, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10546

Re: The valet smashed my Tesla into a brick wall!

TomatoTomahto wrote:
Sun Nov 19, 2017 9:06 am


At one of our restaurants that we go to often, I drop the family off, skip the “free” valet parking, and drive a half block or so to park myself. I have sometimes felt like a weenie for doing this.
Nope, I'm with you. I don't want anyone driving my truck except for me.
by j0nnyg1984
Sun Nov 19, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Job offer negotiation - help
Replies: 6
Views: 972

Re: Job offer negotiation - help

How are you even thinking about negotiating before you have an offer?

Wait until you get the offer, compare to market, THEN consider negotiation. You're just setting yourself up for disappointment.
by j0nnyg1984
Sun Nov 12, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1282

Re: What Credit Card is good for me?

I have this card, and currently this is the best card for "gas" and "groceries" categories which are the biggest monthly expenses for most consumers outside of housing. Incorrect. The BoA Cash Rewards CC, with BoA / ME preferred honors status, is the best year round card for those two categories. 5...
by j0nnyg1984
Sun Nov 12, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: $30K loan for 12 months
Replies: 23
Views: 1469

Re: $30K loan for 12 months

https://www.lightstream.com/

I've never used these dudes, but I've heard from quite a few people who have. The loan, even if you select a loan for an automobile, is unsecured, and I've read that they do not verify what the funds were used for. Read the fine print and decide for yourself.
by j0nnyg1984
Sun Nov 12, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: $30K loan for 12 months
Replies: 23
Views: 1469

Re: $30K loan for 12 months

can you take a loan from your 401k, then use that money to contribute?
by j0nnyg1984
Fri Nov 10, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16395

Re: Flying first class, business, versus economy.

I'm 6'8" and fly weekly for work. Luckily I'm EXP on AA, so I get upgraded on almost every flight. Last week I had to fly delta; I bought (and expensed) first class. I'm currently sitting at the airport waiting for my first of two flights home on United - again, booked first class. Economy is brutal...
by j0nnyg1984
Sun Nov 05, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Best savings account (or fund) for my emergency account?
Replies: 11
Views: 775

Re: Best savings account (or fund) for my emergency account?

Ally 11 month cd has ~40k - emergency fund

ING / Cap 1 has ~20k - operating funds
by j0nnyg1984
Tue Oct 31, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me pick from these 3 health options at my employer!
Replies: 5
Views: 479

Re: Help me pick from these 3 health options at my employer!

also consider the HSA money that your company will give you. At my company, this HSA money is different based on the HDHP we pick.
by j0nnyg1984
Fri Oct 27, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 382
Views: 73090

Re: Bank of America/Merrill Edge - Preferred Rewards

I was auto approved for the new premium rewards card, luckily. Lots of data points on Reddit about existing BoA customers with perfect credit and low applications getting denied. I've already charged my $100 for the travel credit, renewed my global entry membership, and spent ~6k to clear the bonus....
by j0nnyg1984
Sun Oct 22, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6201

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by j0nnyg1984
Sun Oct 22, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a new role with same employer - salary negotiation
Replies: 17
Views: 2008

Re: Applying for a new role with same employer - salary negotiation

You seem to have good opportunities to move to higher paying jobs at an alarmingly quick rate. I don't think you should feel that you're going to be placed someplace higher than the low end of the range. In my last job, the raises were given every 10 years (yes, ten) and company policy was that a j...
by j0nnyg1984
Sun Oct 22, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12896

Re: new 401(k) limits announced

Besides, what kind of crappy company wouldn't take your last contribution of the year to whatever penny amount you had left to contribute? Many that are not necessarily "crappy" employers have rules designed to reduce their management burden, such as restricting the frequency of changes, limiting e...
by j0nnyg1984
Sun Oct 22, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 88
Views: 12896

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by j0nnyg1984
Sun Oct 15, 2017 1:26 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5743

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

If your talking starting as a blue collar worker then I think the usual bogleheads advice will not be sufficient to make it FI. I would advice those who are blue collar either 2 routes. Route 1. Leave the blue collar job and go get a government job with a pension. There are plenty of those with ver...
by j0nnyg1984
Fri Oct 13, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with family financial situation - sheltering money / medicaid
Replies: 22
Views: 2225

Re: Need help with family financial situation - sheltering money / medicaid

Also, I want to remind you and especially your Mom to take small breaks, at minimum, from the situation. Does your Mom have grandkids she could spend an hour with at the park, for example. These breaks can really help you to make better decisions for your Dad. I told her a long time ago, if she wan...
by j0nnyg1984
Fri Oct 13, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Need help with family financial situation - sheltering money / medicaid
Replies: 22
Views: 2225

Re: Need help with family financial situation - sheltering money / medicaid

Trying to reply to everyone in one post, sorry for the mess. @dbr: thanks for the link, we will check it out. @ilskeptic: we've talked to 1 family / divorce lawyer and 2 elder care lawyers, one of whom is a partner for the premier firm in our area, and is the only CELA (certified elder law attorney)...
by j0nnyg1984
Thu Oct 12, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!
Replies: 26
Views: 1894

Re: First Winter (Dec/Jan) Vacation in Europe. Any suggestions please!

Christmas in Germany is freaking awesome. I've only done it once, but plan to go back. Drink some gluhwein and let us know how you like it. I'm not a wine drinker so I thought it was quite different. Side note: you can usually buy the little cups that it comes in for a euro or two, if you want somet...
by j0nnyg1984
Thu Oct 12, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 106
Views: 19788

Re: Growing old without kids or younger caring relatives

As I'm only 36, I've only given this a small amount of thought. I have a parent with Alzheimer's, so my #1 thing is that I will not let that happen to me. I just hope I can do something about it before it's too late. I'm saving tons of money for "retirement," no wife, no kids, no real desire for eit...
by j0nnyg1984
Thu Oct 12, 2017 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with family financial situation - sheltering money / medicaid
Replies: 22
Views: 2225

Need help with family financial situation - sheltering money / medicaid

Not sure if this is in the proper forum. My dad was diagnosed with Alzheimer's approx. 9 years ago, and ~1 year ago, co-diagnosed with "Lewy Body" dementia and possibly Parkinsons, as he exhibits quite a few parkinsons-like symptoms. In the last month he has significantly deteriorated, to the point ...
by j0nnyg1984
Sun Oct 08, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 35648

Re: Can't freeze credit at Experian?

I was able to freeze Experian and Equifax online. I was at the last step of my transaction for TransUnion - entered my CC # and pushed the button. It told me something was wrong and to call their customer service #. So I called the TransUnion customer service #, entered my CC# again, and the automa...
by j0nnyg1984
Fri Oct 06, 2017 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3655

Re: Equifax to offer free “credit freeze” for life

TU was a complete PITA. Online didn't work, automated phone system didn't work. Ah this is what I fear. :( How long ago did you do it? I'm wondering if things will be better a week or two out (I realize the risk of waiting but I have to do things soon that may lead to my report being accessed). Did...
by j0nnyg1984
Tue Oct 03, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3655

Re: Equifax to offer free “credit freeze” for life

DaftInvestor wrote:
Tue Oct 03, 2017 7:54 pm
My understanding is they will only offer locks for free (so believe this thread is mistitled). I will still to doing freezes as I am not exactly trusting Equifax and their made up terminology and terms I'm sure they will force you to agree to.
Exactly.
by j0nnyg1984
Tue Oct 03, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3655

Re: Equifax to offer free “credit freeze” for life

TransUnion seems to have something similar already in place. I noticed it today when I was putting credit freezes on the 3 bureaus. I had to do two extra clicks to get to the freeze section of TU; they were really pushing their new "free" monitoring program. No thanks. Were you able to successfully...
by j0nnyg1984
Tue Oct 03, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3655

Re: Equifax to offer free “credit freeze” for life

TransUnion seems to have something similar already in place. I noticed it today when I was putting credit freezes on the 3 bureaus. I had to do two extra clicks to get to the freeze section of TU; they were really pushing their new "free" monitoring program.

No thanks.
by j0nnyg1984
Tue Oct 03, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6351

Re: Are credit cards rewards worth it?

Although the tread is a repeat of many others, I do like to review now and again, what it is I do with my cards. My Amex Blue Preferred costs me $95. I use it until I have charged $6,000 in groceries to earn the $360. However, sometimes the card gets used for other purchases -- this year I have $2,...
by j0nnyg1984
Tue Oct 03, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 2636

Re: Help with private investment opportunity

and in reality, you have posted absolutely nothing of value for anyone here to give any pertinent information. There isn't one person here who will tell you to invest money in this "opportunity." You need to provide much, much more information about the financials, market, etc. and hope that someone...
by j0nnyg1984
Tue Oct 03, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with private investment opportunity
Replies: 47
Views: 2636

Re: Help with private investment opportunity

sounds legit, I would take out as many CC cash advances and personal loans as possible. Use leverage to your advantage and go all-in.

What could go wrong?
by j0nnyg1984
Sat Sep 30, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2280

Re: Suggestions for 22 year old daughter's portfolio?

Switch the percentages for bonds and international and you'd have my rough suggestion.

30k for a car? Make sure she is maxing out a Roth IRA and the HSA, if available.
by j0nnyg1984
Thu Sep 28, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Prioritizing investments - 401(k), HSA, Roth, or Trad IRA?
Replies: 16
Views: 1148

Re: Priotizing investments - 401(k), HSA, Roth, or Trad IRA?

This is way simpler than the answers being given.

401k to match
HSA to max
rIRA to max
401k to max
Taxable
by j0nnyg1984
Sun Sep 10, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Debt collection advice
Replies: 12
Views: 1018

Re: Debt collection advice

Post your question on www.creditboards.com.
by j0nnyg1984
Wed Sep 06, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vangard Index Fund through Merrill Edge
Replies: 26
Views: 2162

Re: Vangard Index Fund through Merrill Edge

Unless you have the balance required to qualify for the preferred rewards program, I can't see any benefit to having an account with Merrill edge.
by j0nnyg1984
Sun Sep 03, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best Retail banks - switching from Chase
Replies: 23
Views: 2318

Re: Best Retail banks - switching from Chase

If you have six figures you are willing to transfer to Merrill edge, or for some reason keep 6 figures in a savings account, look into Bank of America with preferred rewards. I'm VERY happy. There is a massive thread on our forums somewhere. I should also say, I keep the bulk of my cash elsewhere. I...
by j0nnyg1984
Thu Aug 31, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account being closed/Vanguard Flagship transfer
Replies: 13
Views: 1829

Re: Merrill Edge account being closed/Vanguard Flagship transfer

Merrill gave me three options in the letter that told me they were closing my account: 1. They could cash out everything and send me a check 2. They could send me the stock certificates for all my holdings (this is the default option) 3. They could transfer the assets wherever I want (my preferred ...
by j0nnyg1984
Thu Aug 31, 2017 12:33 am
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6778

Re: When to give resignation notice

I'll echo the other responses- wait one month and then give the required three months notice. If they terminate you earlier, then seek an attorney and file grievance with labor/personnel board (those that can affect licensing may have the most impact). Give the 3 month notice. If they terminate you...
by j0nnyg1984
Wed Aug 23, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: What to do in 401K when S&P500 Index Fund is the only decent fund?
Replies: 9
Views: 759

Re: What to do in 401K when S&P500 Index Fund is the only decent fund?

SimonJester wrote:
Wed Aug 23, 2017 8:54 am
Is there only real answer to put more bonds in her Roth IRA?
Of course. Why would you consider anything else?
by j0nnyg1984
Mon Aug 21, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Your opinion on [a tower fan]
Replies: 4
Views: 510

Re: Your opinion on [a tower fan]

I bought this on Amazon for 58 bucks. It isn't whisper quiet, but I don't need it to be. I like that it has a timer, so I can set it for 1 hour, then fall asleep, and it will shut off automatically.

https://www.amazon.com/gp/product/B000R ... UTF8&psc=1
by j0nnyg1984
Mon Aug 21, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4779

Re: Kitchen knife set. Good quality - Recommendations

not going to read the whole thread. Do not buy a set. Spend money on a GOOD Shun, Global, Wusthof type of Chef's knife, as large as you think you can handle. You must handle each knife in person - this is not something you can buy online. All a person typically needs is a chef's knife, serrated knif...
by j0nnyg1984
Mon Aug 21, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Late starter 54 y/o need help
Replies: 6
Views: 974

Re: Late starter 54 y/o need help

100% vfiax would be my choice. round it out with any desired international and bonds in a Roth IRA.
by j0nnyg1984
Tue Aug 15, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 3672

Re: What kind of hotel do you get on business travel?

Diamond with Hilton so they're my first, and usually only, pick. Sick corporate rate for Hilton garden inn, that's my go to.

Posted from an HGI :beer
by j0nnyg1984
Sun Aug 13, 2017 2:33 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16013

Re: How far would you travel to see The Eclipse?

I live in the total eclipse path. If I'm home that day, I can't even guarantee that I'd walk out onto my balcony to take a look.

I just don't care about it. It's been so overblown here, expecting something like 1mm visitors in the state, come on :annoyed
by j0nnyg1984
Wed Aug 02, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor--American Funds and Portfolio Review
Replies: 6
Views: 467

Re: New Investor--American Funds

Read the stickied post st the top of the forum...
by j0nnyg1984
Mon Jul 31, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2541

Re: Cheapest transportation to airport?

Last post. Check out this deal IAH is currently running - 50% off parking on prepaid reservations.

http://promo.fly2houston.com
by j0nnyg1984
Mon Jul 31, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2541

Re: Cheapest transportation to airport?

If it was me, I would really avoid asking family or friends. You live a looooong way from IAH, with tolls and traffic potential that is a LOT to ask of someone as a favor.

Just pay the piper.
by j0nnyg1984
Mon Jul 31, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2541

Re: Cheapest transportation to airport?

Just pay for parking. IAH has that green lot parking or whatever it's called, that's the cheapest [on] airport parking I've ever had.
by j0nnyg1984
Mon Jul 31, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Bad kitchen cabinet install in condo. Need help improving.
Replies: 34
Views: 3124

Re: Bad kitchen cabinet install in condo. Need help improving.

Sorry, but that looks horrible, and I would be extremely ticked off. I'm not sure what I'd do - demand a fix or money back. I got the extra charges removed plus about $500 off of the job. Same issue with the ceiling, I had crown molding installed, luckily the installed is very good, he had to do a ...
by j0nnyg1984
Mon Jul 31, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Do I Have Enough In My Emergency Fund?
Replies: 22
Views: 3071

Re: Do I Have Enough In My Emergency Fund?

Yeah, I'm with you. Two years is quite irresponsible, imho, however, I have something like 25 months of expenses in a CD & savings account. It's for early payoff of my mortgage. Why are you doing this instead of paying the mortgage directly? It's losing money to the mortgage monthly. If you treat i...
by j0nnyg1984
Mon Jul 31, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 66
Views: 5381

Re: Non Stick frying pan

every non-stick pan will eventually wear out. I started with Calphalon, I've since moved everything up to all-clad, but I can already tell that my 7" fry skillet is wearing out. Needs a bit more oil to be non-stick these days. Find a good restaurant supply store and see what they have. You really do...