Search found 255 matches

by j0nnyg1984
Mon Jul 24, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 19
Views: 806

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: 10
Views: 882

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: 325

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: 6239

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: 20
Views: 2306

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: 6166

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 Finance (Not Investing)
Topic: To buy or not to buy...
Replies: 18
Views: 1386

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: 6634

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 bo...
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: 6634

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: 1705

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: 4861

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: 4888

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: 3482

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: 623

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: 3482

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: 37732

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: 2208

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: 2227

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: 1265

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: 2353

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: 25
Views: 3456

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: 2536

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: 3948

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: 3948

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: 4238

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: 4987

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: 3580

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: 2967

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: 12211

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: 1426

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: 3116

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: 3116

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: 4540

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: 3457

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: 3457

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: 2286

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: 1299

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: 2632

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: 3798

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: 5292

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: 5175

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: 1346

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: 3663

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: 512

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: 9939

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: 512

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: 1948

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: 2901

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: 10705

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: 1346

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 ...

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