Search found 235 matches

by j0nnyg1984
Tue May 23, 2017 5:14 am
Forum: Personal Finance (Not Investing)
Topic: How to buy (or invest) into Bitcoin?
Replies: 21
Views: 2404

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

Are you sure you want to enable and facilitate this sort of thing: https://en.wikipedia.org/wiki/Bitcoin_network#Criminal_activity 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 oth...
by j0nnyg1984
Mon May 15, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Few days in Portland in July
Replies: 36
Views: 2198

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: 2970

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: 2970

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: 39
Views: 3099

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: 4365

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: 2939

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: 2609

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: 165
Views: 11020

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.
by j0nnyg1984
Sat Apr 29, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: newbie asking for advice getting financial house in order...
Replies: 10
Views: 1337

Re: newbie asking for advice getting financial house in order...

Move all of your standard banking to Ally. Why are you giving up that interest by staying with the 0.05% interest bank? Pay off the car immediately. If you feel like it, take the $500 check and put it (plus your old car payment amount) into a separate account, specifically saved for "next car p...
by j0nnyg1984
Fri Apr 14, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 2933

Re: Where to park Emergency Fund?

LMCU sounds good but blah, forget it with those requirements.
by j0nnyg1984
Fri Apr 14, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 2933

Re: Where to park Emergency Fund?

You can't sell them for a year, and then will incur 3 mos interest penalty for selling until it's been 5 years, but you'll have zero risk of keeping up with inflation, pre-tax. If it is not readily accessible, it doesn't really serve the purpose of an emergency fund well. Of course, if you have cre...
by j0nnyg1984
Sun Apr 09, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Packing cubes for travel
Replies: 60
Views: 4282

Re: Packing cubes for travel

I travel weekly for work and have for 5 years. I have never given these any thought past a little research on amazon.com when I first started traveling. They look like a complete gimmick to me. None of my coworkers use these, and I've never actually seen anyone using them in person.
by j0nnyg1984
Sun Apr 09, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3246

Re: Buy a new honda or continue with old one

I would have my mechanic take a look to figure out what's making the noise and then decide. If you do this, keep in mind that your mechanic has a vested interest in you keeping the old car. If you keep the old car, the mechanic gets to keep fixing it. If you buy a new one, all he gets to do is chan...
by j0nnyg1984
Sun Apr 09, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Buy a new honda or continue with old one
Replies: 33
Views: 3246

Re: Buy a new honda or continue with old one

I would have my mechanic take a look to figure out what's making the noise and then decide. If you do this, keep in mind that your mechanic has a vested interest in you keeping the old car. If you keep the old car, the mechanic gets to keep fixing it. If you buy a new one, all he gets to do is chan...
by j0nnyg1984
Sun Apr 09, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 2082

Re: BH thoughts on car insurance

I've switched insurance companies 4 times in recent history. Was with Progressive for 10 years. Switched to Geico for 1.5 years. Switched to AmFam for 1.5 years. Switched at the last cycle to State Farm. There is absolutely no benefit to loyalty. Get the cheapest, highest rated company that offers t...
by j0nnyg1984
Sun Apr 09, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Free FICO score?
Replies: 16
Views: 1133

Re: Free FICO score?

It's kind of surprising how many companies we deal with now offer free FICO. This has all come about in the last 1-2 years. I think Discover may have started it. It's not surprising to me. The banks have found another way to scam more money out of people based on consumers unfounded need or desire ...
by j0nnyg1984
Sat Apr 08, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Is anyone using Apple CarPlay? My preferred car company isn't...
Replies: 33
Views: 2453

Re: Is anyone using Apple CarPlay? My preferred car company isn't...

I hate the carplay function, and disable it in every rental car I get that has it.

The Ford connectivity setup is awesome.
by j0nnyg1984
Fri Apr 07, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3575

Re: Telling Family About Daughters 529 For Gifts

I think it's rude to ask people for money over gifts, and I think it's rude to tell people how/what to give in terms of gifts. People give gifts for a variety of reasons, but one of them is to make the recipient happy. No little kid is going to be happy they got an unseen gift to their 529. It isn'...
by j0nnyg1984
Fri Apr 07, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5100

Re: Avoiding shafting my local merchants with card fees

I am a local merchant and I don't feel shafted when people use a card. It's our choice to take cards and thus customers choice to use it to pay. So we pay 2-3% and raise prices by 5%. It all works out. I think you are over-thinking this one. We sell merchandise in the $1k to $10k price range and cu...
by j0nnyg1984
Sat Mar 25, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4553

Re: How did you do your income taxes?

I sold shares of one of my Vanguard funds, so I needed to file a Schedule D. That meant using the online version of TurboTax Premier at a cost of $54.99 for my federal return, and $36.99 for my state return. Total cost: $91.98. You could have saved a few dollars if you bought the CD from Amazon. It...
by j0nnyg1984
Fri Mar 24, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1236

Re: My W-2 says I over contributed to my HSA; I didn't

Just a frustrating update. I called the number on the IRS webpage regarding missing or incorrect W-2 forms (https://www.irs.gov/help-resources/tools-faqs/faqs-for-individuals/frequently-asked-tax-questions-answers/irs-procedures/w-2-additional-incorrect-lost-non-receipt-omitted/w-2-additional-incorr...
by j0nnyg1984
Wed Mar 22, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Car Vandalism During Cross-Country Drive
Replies: 41
Views: 3451

Re: Car Vandalism During Cross-Country Drive

The last time I moved my truck was 100% full inside, the bed was completely loaded with my snap-on tool box, and I was pulling a completely full 6x12' u-haul trailer.

I stayed at decent hotels and tried to park under lights, close to the windows of the hotel. Not always possible.
by j0nnyg1984
Mon Mar 20, 2017 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Any risk to being added to parents bank accounts?
Replies: 3
Views: 458

Re: Any risk to being added to parents bank accounts?

That's fantastic, Silk, thank you!
by j0nnyg1984
Mon Mar 20, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum $450/yr annual fee but 100,000 points
Replies: 57
Views: 9769

Re: Amex Platinum $450/yr annual fee but 100,000 points

I can't believe that their current signup offer is a piddly 40k points. What idiot would sign up for the card knowing that they run the 100k deal? I want the card because I need the points transferred to Delta for a winter vacation, but 40k is useless, and also nowhere near enough value for a $450 AF.
by j0nnyg1984
Mon Mar 20, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any risk to being added to parents bank accounts?
Replies: 3
Views: 458

Any risk to being added to parents bank accounts?

Hi, I already "control" my parents investment accounts, but they have stated that they want to officially add me to their two bank accounts. I have no objection to this, but was wondering if there is any risk to myself or them if either of us runs into legal trouble. I have ~$400k of my ow...
by j0nnyg1984
Sun Mar 19, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2.25% High Yield Checking - FSCU
Replies: 11
Views: 1807

Re: 2.25% High Yield Checking - FSCU

I would love to have one of these accounts, but the debit card activity is a deal breaker for me.
by j0nnyg1984
Sun Mar 19, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2605

Re: State Farm

I just changed my insurances to State Farm after 18 months of American family raising my rates for No reason.

You gotta be shopping insurances every 6 months. There's no reason for loyalty.
by j0nnyg1984
Fri Mar 17, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 10191

Re: $464.12 dinner bill last night. No regrets.

Crimsontide wrote:
j0nnyg1984 wrote:I had one in Vegas last week for around $1300. Gotta love being able to expense those customer dinners 8-)


OP's story warmed my heart, yours, not so much...


How ever will I sleep now?

What a pointless reply
by j0nnyg1984
Wed Mar 15, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1236

Re: My W-2 says I over contributed to my HSA; I didn't

so, I talked to the HR dept. today. They had letters prepared already for employees. The letter doesn't help one bit... Dear Employees: We have been advised that the Form W-2 documents issued to employees may contain errors. We are working with our payroll provider, ADP, to resolve these issues. We ...
by j0nnyg1984
Wed Mar 15, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: $464.12 dinner bill last night. No regrets.
Replies: 78
Views: 10191

Re: $464.12 dinner bill last night. No regrets.

I had one in Vegas last week for around $1300. Gotta love being able to expense those customer dinners 8-)
by j0nnyg1984
Tue Mar 14, 2017 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1236

Re: My W-2 says I over contributed to my HSA; I didn't

Thank you guys for the information. I am actually flying to my corporate HQ tonight, for customer meetings, but I will take the opportunity to go meet this new HR director and ask one last time about the corrected W-2 before I file something at the IRS.

I appreciate the information!!
by j0nnyg1984
Mon Mar 13, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: My W-2 says I over contributed to my HSA; I didn't
Replies: 10
Views: 1236

My W-2 says I over contributed to my HSA; I didn't

Hi all, I received my W-2 in early February. While trying to do my taxes, I noticed that the form, box 12b, code W, has a dollar amount of $3609.84 for total HSA contributions. My year end, 2016 document from HSA Bank says yearly deposits (employee and employer) total $3349.85. My last paycheck of t...
by j0nnyg1984
Sat Mar 04, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 26
Views: 2575

Re: Bank of America vs Chase

BoA with preferred rewards is GOAT.

I don't know why you'd use a major B&M bank if you didn't have special rewards or something else that necessitated it. Switch to an online bank like Capital One 360, earn 1% on your money, and have access to a huge network of free ATM's.
by j0nnyg1984
Sat Feb 18, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7578

Re: What Do You Keep In Your Bank Safe Deposit Box?

100% full of silver. I should put my trust and other documents in it but honestly at this point in my life the silver is worth more :twisted:
by j0nnyg1984
Sat Feb 18, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Receipts
Replies: 8
Views: 785

Re: HSA Receipts

The little ones just aren't worth keeping track of.
by j0nnyg1984
Tue Feb 07, 2017 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Inheritance in coins
Replies: 18
Views: 2853

Re: Inheritance in coins

They are Gold/silver buillion coins and yes, they are valued at 40,000 per probate lawyers records. And yes, I do know of a location that buys them for spot price and no commission charge. So, my question is whether to leave some in coin form or to cash it in for investment such as index mutual fun...
by j0nnyg1984
Tue Jan 17, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Credit Collection help needed
Replies: 22
Views: 1615

Re: Credit Collection help needed

So glad to see someone other than me finally recommending www.creditboards.com. Seriously, do not do anything until you post your question there. Contact of the wrong kind, making any payment, these can all have serious detrimental consequences.
by j0nnyg1984
Mon Jan 16, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Limited Fund offering in 401K
Replies: 18
Views: 1211

Re: Limited Fund offering in 401K

S&P 500 fund is all you need in the 401k. Why are you so intent on dicing it up with the small and mid caps?

Bonds in Roth. international in taxable. Anything else wherever you have space...
by j0nnyg1984
Fri Jan 13, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3498

Re: thoughts about financial advisors comments regarding roth 401k

Please read these articles, This one is about case against roth 401k https://thefinancebuff.com/case-against-roth-401k.html Next, this one is about suitability of roth 401k for those who contribute to max. https://thefinancebuff.com/roth-401k-for-people-who-contribute-max.html These are best two ar...
by j0nnyg1984
Thu Jan 12, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 10574

Re: How much do you typically spend in a restaurant?

I usually only go out to eat for things I can't, or REALLY don't want to, make at home. My favorite is pho, I'll go out maybe once a week and get pho and spring rolls. 16 bucks with my generous tip. When I'm traveling for work, which is often, I go eat whatever I want and someone else pays for it. I...
by j0nnyg1984
Thu Jan 12, 2017 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: My Situation - Tips for Financial Freedom?
Replies: 16
Views: 2302

Re: My Situation - Tips for Financial Freedom?

A person who is financially independent, retires early in their 50's may need 30-33x annual expenses. Really, you think that's it? Wow...I would have expected it to be much, much more, considering the length of time someone would live with basically no income. If that 30x number is at all realistic...
by j0nnyg1984
Thu Jan 12, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 3167

Re: Vanguard VTSAX Admiral Funds

Thanks guys for all the quick info! I ended up selling for investor share and another fund because some friends says I should diversify, but nevertheless it's good info to know. Okay, now we're breaking into a completely different subject, but unless you bought international or bonds, you aren't mo...
by j0nnyg1984
Thu Jan 12, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation Help - 34 yrs old
Replies: 10
Views: 1053

Re: Asset allocation Help - 34 yrs old

I think TS means Roth IRA - (225 x 2) * 12 = 5400 which is close enough to the limit of an IRA, and since he mentioned "max out." Until you get enough money in the account for admiral shares, I would stick with a target date fund. I'm also not a fan of slice and dice with the small and mid...
by j0nnyg1984
Thu Jan 12, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Suggestions: where?
Replies: 20
Views: 2010

Re: HSA Suggestions: where?

I just "cashed out" my HSA from Lake Michigan Credit Union. They had offered 2% interest on the account when I first opened it - last year, they dropped it to 1%, and I no longer consider that satisfactory. I was planning on rolling it into HSA Bank since that is who my company uses now, b...
by j0nnyg1984
Thu Jan 12, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: My Situation - Tips for Financial Freedom?
Replies: 16
Views: 2302

Re: My Situation - Tips for Financial Freedom?

A person who is financially independent, retires early in their 50's may need 30-33x annual expenses. Really, you think that's it? Wow...I would have expected it to be much, much more, considering the length of time someone would live with basically no income. If that 30x number is at all realistic...
by j0nnyg1984
Thu Jan 12, 2017 1:39 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3498

Re: thoughts about financial advisors comments regarding roth 401k

For me it's about total dollars invested. I'm already investing 18k in my t401k, 5500 in my rIRA, 3300 in my HSA. I don't feel that I need to invest an additional 6-7k in taxes to be able to make my 401k contributions Roth instead of traditional.
by j0nnyg1984
Wed Jan 11, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Silicone mat for small sheet pans !2"x 9"
Replies: 13
Views: 1092

Re: Silicone mat for small sheet pans !2"x 9"

I use Amazon Basics silicone mats. No complaints.
by j0nnyg1984
Tue Jan 10, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Credit Card Advice for Large Purchase
Replies: 10
Views: 1263

Re: Credit Card Advice for Large Purchase

student wrote:I recommend Capitol One Venture.

https://www.capitalone.com/credit-cards/venture/

Waived first year fee and no foreign transaction fee. Sign up bonus.


Horrible card for prolonged spending. Get the bonus and move on. Same with the Barclays arrival plus. Get the 40k bonus and move on.

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