Search found 276 matches

by j0nnyg1984
Sun Sep 10, 2017 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Debt collection advice
Replies: 12
Views: 929

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: 1931

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: 2095

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: 1650

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: 63
Views: 6076

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: 698

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: 478

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: 4394

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: 904

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: 3355

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: 14516

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: 422

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: 2340

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: 2340

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: 2340

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: 2874

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: 2914

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: 56
Views: 3865

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...
by j0nnyg1984
Sun Jul 30, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Bad kitchen cabinet install in condo. Need help improving.
Replies: 34
Views: 2874

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 ran into similar issues with my condo. The floor and ceilings (multi-story building) were all "quick set concrete" so they are not anywhere close to level. I tore out the car...
by j0nnyg1984
Sun Jul 30, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 59
Views: 6107

Re: What are your monthly expenses?

absolutely no idea. All I know is that my income minus investments is still substantially higher than my expenses; I don't care to know the actual numbers.
by j0nnyg1984
Sun Jul 30, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Do I Have Enough In My Emergency Fund?
Replies: 22
Views: 2914

Re: Do I Have Enough In My Emergency Fund?

2 years. You want to have enough cash/equivalents so that you can draw from that in the inevitable stock/bond downturn to come. You also want to have ample cash both to live on and to add to your stock/bond investments when they decline. Takes a lot of cash! 2 years is borderline absurd and not rea...
by j0nnyg1984
Mon Jul 24, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3324

Re: What's you safety deposit box fee?

Free small box at BoA due to my preferred rewards tier. It's too small to hold all of my precious metals but I don't care to pay for anything bigger.
by j0nnyg1984
Fri Jul 21, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: ibond purchases on treasurydirect
Replies: 11
Views: 1348

Re: ibond purchases on treasurydirect

You can mail the paper bonds to TD with a completed form and they will convert them to electronic bonds. I've done this with all of my tax refund purchased bonds.
by j0nnyg1984
Wed Jul 19, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Contribution
Replies: 6
Views: 393

Re: New 401k Contribution

Don't take this the wrong way...

Given the minimal information provided in your post, I would assume your "investing IQ " is pretty low. I would keep it simple, pick a target retirement fund, and start reading our wiki from cover to cover. When you're done, do it again.
by j0nnyg1984
Sat Jul 15, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Is it Safe to Get Your DNA Tested?
Replies: 71
Views: 6720

Re: Is it Safe to Get Your DNA Tested?

There is no way I would ever submit to any of these tests. Call me paranoid, I don't care, but I don't want that information out there.
by j0nnyg1984
Sat Jul 15, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 21
Views: 2951

Re: Teeth Whitening

I use trays. My dentist made them for me for around $100, came with 4 tubes of gel, and I get about 6 nights of application out of a tube. I ripped through the first three in about 5 or 6 weeks, then waited about 6 months. I'm on day 5 of my 4th tube today, will finish it this weekend, and probably ...
by j0nnyg1984
Fri Jul 14, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 6715

Re: Cheap eggs... how bad?

I'm very into fitness and I consume lots of eggs (probably averages about 5 per day, whites only). I wouldn't be too concerned about the cheaper eggs being in any way inferior, take advantage of the price wars going on in food right now. The bigger concern, to me, is why are you purposely tossing t...
by j0nnyg1984
Fri Jul 14, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 4019

Re: To buy or not to buy...

No reason to get rid of your current vehicle.
by j0nnyg1984
Fri Jul 14, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7486

Re: Do you consider business travel to be a perk or a burden?

I travel almost every week for business but my situation is a lot different than a typical "road warrior" slave. I book my own travel, schedule my own trips, and have almost no restrictions on what I purchase and how I travel. As long as I'm not buying first class tickets every week, my boss doesn't...
by j0nnyg1984
Fri Jul 14, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7486

Re: Do you consider business travel to be a perk or a burden?

I really enjoyed business travel when I was young and childless. When you have a family, it's a burden. This is the best summary that you will get. In addition, company travel policies can turn what should be an enjoyable opportunity into sheer torture - always traveling on your own time, always ha...
by j0nnyg1984
Fri Jul 14, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Is $1220/year Auto Insurance for 26y/o cheap?
Replies: 14
Views: 1814

Re: Is $1220/year Auto Insurance for 26y/o cheap?

yeah, that seems pretty cheap. I have three policies with State Farm and I pay around $1000 a year for nearly the maximum coverages allowed on a 2005 Silverado with a perfect driving record. 35 y/o male.
by j0nnyg1984
Tue Jul 11, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5620

Re: $1368 for new shocks/struts on '05 Corolla?

Shocks / struts are super easy. If you have any mechanical skills and the space to do the work, just do it yourself. Especially since this is your 2nd vehicle.
by j0nnyg1984
Tue Jul 11, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: What is the advantage of deferring taxes vs paying them up front?
Replies: 57
Views: 5193

Re: What is the advantage of deferring taxes vs paying them up front?

Seems pretty clear and straightforward to me.

Today, I'm in a 28% tax bracket.

The year after I retire, I'll be in a 0% bracket.

Good enough?
by j0nnyg1984
Sun Jun 25, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3812

Re: Fermenting Vegetables

i water bath can everything I do. I don't think it's the same as fermenting. I have cupboards full of quarts. lots of super spicy / dilly / garlic green beans and asparagus. I routinely make "mexican vegetables" like you'd find in a restaurant - jalapenos, onions, carrots, cilantro, etc. ...
by j0nnyg1984
Tue Jun 20, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Old Stock Certificates
Replies: 3
Views: 682

Re: Old Stock Certificates

I would love to see pictures of them for the last reason jbranx said - they could look awesome framed and up on my wall. PM me if you end up wanting to get rid of them!

No idea how to find out if they actually have any company ownership value, however.
by j0nnyg1984
Tue Jun 20, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 45
Views: 3812

Re: Fermenting Vegetables

i water bath can everything I do. I don't think it's the same as fermenting. I have cupboards full of quarts. lots of super spicy / dilly / garlic green beans and asparagus. I routinely make "mexican vegetables" like you'd find in a restaurant - jalapenos, onions, carrots, cilantro, etc. S...
by j0nnyg1984
Tue Jun 20, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 40041

Re: Regret early retirement/downsizing

I may be a little out of the norm here, but as a thirty year old who was always told (by parents growing up and then by wife after marriage) that I cannot play so much video games, I cannot possibly imagine being bored after retirement....I will finally have all the time in the world to play all th...
by j0nnyg1984
Sat Jun 03, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Credit Card
Replies: 16
Views: 2459

Re: Bank of America Credit Card

Yes, I am aware. Generally, the benefits that are important to me, I can do better elsewhere. I am a real scrounge when it comes to freebies, but these are just too meager for the hassle. Interesting BOA has a following on here though! I'd be interested in hearing the better deals. Ditto. Very happ...
by j0nnyg1984
Thu May 25, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Need advice from FF miles experts
Replies: 25
Views: 2381

Re: Need advice from FF miles experts

I ordinarily would not use that many miles on a flight as cheap as that. However, you're talking about a total of nearly $2000, so it's up to you to determine if you would rather lay out the cash, or use miles which have clearly been accumulating for a while.
by j0nnyg1984
Thu May 25, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Should I fax or email bank info?
Replies: 18
Views: 1425

Re: Should I fax or email bank info?

You didn't list this as an option, but when I emailed all of my documents back and forth for my mortgage application, I zipped everything with a 32 character password and provided the password over the phone. If that isn't an possible, I would probably just go with standard email - I am not a fan of...
by j0nnyg1984
Thu May 25, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Help choose company service gift [choice made!]
Replies: 32
Views: 2618

Re: Help choose company service gift [choice made!]

while I guess something is better than nothing, imho, those are pretty insulting options for a 35 year work anniversary gift. An iPod for a 30 year, even more so. Regardless, I have the iPad mini 2 retina and it's awesome. I don't think I would want anything bigger. I am considering buying a soundba...
by j0nnyg1984
Tue May 23, 2017 5:14 am
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 35
Views: 4820

Re: How to buy (or invest) into Bitcoin?

Are you sure you want to enable and facilitate this sort of thing: m Seriously? What a very odd stance to take. Dollars have been used, well, forever, to facilitate purchasing of drugs and illicit materials, prostitution, and various other illegal activities. Are you sure you want to enable and fac...
by j0nnyg1984
Mon May 15, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2790

Re: Few days in Portland in July

since everyone else already covered the nice cultural things to do, let me say: do not go to voodoo doughnuts. don't be that tourist :mrgreen:
by j0nnyg1984
Mon May 15, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 5582

Re: Costco Kirkland Signature Cookware vs Calphalon?

Think I'm going to get the Costco Kirkland Signature stainless set and see how I like it. I can get the whole 13 piece set for the price of one All-Clad pot. I mostly need all new saucepans and stock pots because the kids have used metal spoons on the old ones and scratched them all up. I can alway...
by j0nnyg1984
Mon May 15, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Signature Cookware vs Calphalon?
Replies: 29
Views: 5582

Re: Costco Kirkland Signature Cookware vs Calphalon?

I've been switching to All-Clad from Calphalon One a piece at a time. I would really recommend that people don't buy sets. They include so many worthless pieces. I've heard great things about the kirkland stainless pieces, but have never used them firsthand. Think I'm going to get the Costco Kirklan...
by j0nnyg1984
Mon May 15, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: how do you invest your HSA
Replies: 47
Views: 4647

Re: how do you invest your HSA

I currently don't, and it's infuriating. The bulk of my HSA assets are at LMCU. I tried to move them over to my new provider, HSA Bank, early this year, mailed in the forms, etc. LMCU denied the transfer, claiming they needed additional forms. 5 months later and I still haven't messed around with ge...
by j0nnyg1984
Fri May 12, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 5364

Re: Can you suggest a mortgage lender who does not resell

I'm with Washington Federal. They don't sell mortgages as far as I know.
by j0nnyg1984
Fri May 12, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 4140

Re: Price for brakes and rotors?

That's ridiculous. Use Rockauto.com to find your parts.

Pads should be ~50 per axle, rotors ~30 a corner. Make sure you flush the brake fluid when you change your pads, it's a routine maintenance that most people overlook.
by j0nnyg1984
Sat Apr 29, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street is on FX tonight - Worth watching???
Replies: 29
Views: 3133

Re: The Wolf of Wall Street is on FX tonight - Worth watching???

No, not worth watching a censored version. Yes - Watch the whole thing, without commercials and uncensored. ding ding ding I wasn't a huge fan of the movie. I thought it was just too much, over the top. I've grown to like it a bit more with re-watchings. Plus, Margot Robbie is just ridiculous looki...
by j0nnyg1984
Sat Apr 29, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 164
Views: 12885

Re: When do you plan to die?

I will take my own life as soon as I notice my mental or physical capabilities leaving me unable to perform day to day activities for myself.

I'm assuming it will be @ around 60-65 years old.

This doesn't change my savings and investing, however...I'm still putting away a ton.