Search found 339 matches

by j0nnyg1984
Mon Feb 19, 2018 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Considering move to Tulsa, OK
Replies: 8
Views: 940

Re: Considering move to Tulsa, OK

Tulsa is awesome, but if you're coming from Ventura or something, you may not like it.

Pretty subjective question.
by j0nnyg1984
Mon Feb 19, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 125
Views: 6794

Re: Do you wear a wedding band? [at a job interview]

OP - I am an early 30s male who is married. The only time I ever wear my wedding band is on interviews. As I am competing with older people for positions, who are already married and have kids, I would look younger and immature without a wedding band. Could also work against the married person. Say...
by j0nnyg1984
Mon Feb 19, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 125
Views: 6794

Re: Do you wear a wedding band?

Flobes wrote:
Sun Feb 18, 2018 5:41 pm
I am an unmarried woman.

I often wear a wedding ring when I travel.
Do you actually think that stops anyone?
by j0nnyg1984
Sun Feb 18, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Excess Contribution
Replies: 3
Views: 222

Re: HSA Excess Contribution

I just went through this because my employer messed up on one of their contributions - the employer side, not the employee side. Regardless, I was the one who had to fill out the HSA Bank form, send it in, and receive a check. Now I'm supposed to mail this check back to my employer (since it was the...
by j0nnyg1984
Wed Feb 14, 2018 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Pay tuition cash or use student loans and invest instead or both
Replies: 12
Views: 724

Re: Pay tuition cash or use student loans and invest instead or both

Pay cash.

Why does everything need to be leveraged to the max?
by j0nnyg1984
Tue Feb 13, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1566

Re: Obligation to use car insurance proceeds?

There's no issue with you keeping the check. I had (have) some major hail damage. Progressive paid me out around $3600 to get a new hood, new windshield, new bed cover, and lots of dent removal. I said the hell with that, it's a 10 year old truck, and pocketed the cash. I would say just to beware, a...
by j0nnyg1984
Sun Feb 11, 2018 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Why would people buy condos/SFH in Texas?
Replies: 61
Views: 5687

Re: Why would people buy condos/SFH in Texas?

After reading this:
The property taxes alone are more than the rent so how can it even make sense money wise to buy?
I decided that I can't stay in this thread.
by j0nnyg1984
Mon Feb 05, 2018 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Average dude with just W-2 and some 1099-INT income
Replies: 18
Views: 1673

Re: Average dude with just W-2 and some 1099-INT income

Take a look at FreeTaxUSA -- I used them to file this year... https://www.freetaxusa.com/ They're cheaper than TurboTax. My federal filing was free, and my state filing cost only $12.95. Like you, my taxes are simple -- standard deduction, a W-2, a handful of 1099's. For some reason, my turbotax is...
by j0nnyg1984
Sun Jan 28, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for an emergency cell phone to keep in car....
Replies: 35
Views: 2157

Re: Looking for an emergency cell phone to keep in car....

I was actually just looking into something like this for a different purpose. There's a company called FreedomPop who will give a SIM card for $0.01. You have to use a credit card to sign up for service, but you can downgrade it during the first month "free promo" period to get free, albeit limited,...
by j0nnyg1984
Sun Jan 28, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k investment selection
Replies: 7
Views: 313

Re: Please help with 401k investment selection

Keep it simple. 100% VFIAX in the 401k, use your IRA and / or taxable account to make up the rest.

This is actually exactly what I do, too :)
by j0nnyg1984
Thu Jan 25, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for 100K in Savings a/c
Replies: 6
Views: 743

Re: Investment advice for 100K in Savings a/c

Do you have the opportunity to get the money into a tax advantaged account? Do you have a 401k you're not maxing out? Do whatever you can to slowly, or quickly, convert the taxable funds into tax advantaged funds. If you want to leave it in a taxable account, make sure you get an account bonus from ...
by j0nnyg1984
Sun Jan 21, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: MiFi for International Travel
Replies: 13
Views: 1551

Re: MiFi for International Travel

I'm going to London later this year. I ordered a giffgaff SIM last week, shipped for free to my house here in the US, before I leave I'll purchase the plan I want,and once I land in London I'll finish any configuration necessary. Looking forward to trying it out.
by j0nnyg1984
Sun Jan 21, 2018 1:35 am
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 53
Views: 9210

Re: Met with a CFP, not too impressed.

I signed a contract with a wealth management company for designing a plan. Cost was $500. Before signing, we talked about expectations. Low fees, indexes, insurance (ltc). He understood what I wanted. He came back with a plan for using proprietary funds from his company at a fairly heavy AUM. His t...
by j0nnyg1984
Sun Jan 21, 2018 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 53
Views: 9210

Re: Met with a CFP, not too impressed.

I went by the CFP office today and picked up my report and settled our account. I was presented with a print out from Retireup. It's 48 pages printed landscape on both sides with a staple in the upper left corner. A very nice staple, but still just a staple none the less. I had hoped at least to ha...
by j0nnyg1984
Fri Jan 19, 2018 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 44
Views: 7573

Re: Someone Needs To Pay For What They Did (Advice sought)

Not noticing the issue is definitely a realistic excuse. I had a 2 bedroom apartment for 4 years and I went in the second bedroom 5 times. Literally, 5 times.

Hope you get your money back (and update us!).
by j0nnyg1984
Fri Jan 19, 2018 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 414
Views: 82101

Re: Bank of America/Merrill Edge - Preferred Rewards

I've earned a ton of money / reward with the bankamerideals for Hilton hotels and advance auto parts (20%!!!).

Most of them are crap I don't buy, but it's awesome when I find something I actually need.
by j0nnyg1984
Sun Jan 14, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4730

Re: Merrill Edge best choice for higher net worth accounts?

I won't switch any investment for marketing gimmicks. Their marketing gimmicks have put thousands of dollars in my accounts, including precious Roth space. I don't need or want any loans, HELOC, mortgage, savings accounts, CDs, or new credit cards, don't want Merrill Edge investing help, in any eve...
by j0nnyg1984
Thu Jan 11, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Max out 2018 Roth IRAs or pay off CC
Replies: 10
Views: 895

Re: Max out 2018 Roth IRAs or pay off CC

I would put every penny available into the CC. Until the outstanding balance is $0.00, I wouldn't contribute a penny to my IRA.
by j0nnyg1984
Wed Jan 10, 2018 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 22491

Re: Do you have an umbrella policy?

yes, 1mm, it's $127 a year through state farm.
by j0nnyg1984
Wed Jan 10, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Magazine
Replies: 17
Views: 1847

Re: Personal Finance Magazine

I subscribe to Money, Forbes, and Kiplingers. I will drop the latter two when the renewal period comes up. Forbes is far too political and Kips is too focused on stock picking and other things I have no interest in. They did do a good article not too long ago about credit cards, but I'm already an e...
by j0nnyg1984
Tue Jan 09, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: When the rubber hits the road [Progressive Dementia thread with merged updates]
Replies: 106
Views: 8071

Re: The reality hits - my dementia update

My dad is deep in Alzheimer's- 8 years or so. He is definitely the opposite of you, he can't relate to anything, can't handle noise or people, doesn't know why he can't go with my mom, etc. I hope you don't take it the wrong way, but I just hope that if it happens to me, I am able to realize it like...
by j0nnyg1984
Sun Jan 07, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Teeth Whitening
Replies: 23
Views: 2694

Re: Teeth Whitening

Get trays made and order the gel refills online. Super easy.
by j0nnyg1984
Sun Jan 07, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Murky Expense Report Situation
Replies: 11
Views: 1572

Re: Murky Expense Report Situation

No, it isn't worth bringing up, and your boss / HR would probably laugh if you did. I take personal trips before / during / after my work trips all of the time. I never book my personal travel until I know for certain what will be going on with my work travel. Sometimes that means I pay more money o...
by j0nnyg1984
Sun Jan 07, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Trading 2015 F-150 for 2018 GMC Sierra. Dumb move?
Replies: 31
Views: 1895

Re: Trading 2015 F-150 for 2018 GMC Sierra. Dumb move?

Need new tires, should I buy a new car? Got a good chuckle out of that one. One of my old coworkers bought a BMW M3 in the early 2000s, brand new. It was due for its first service (6 month? 12 month?) and after he found out how expensive it was, he traded it in for a brand new Lexus IS300. Some peo...
by j0nnyg1984
Mon Jan 01, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: use a personal hotspot on a plane?
Replies: 26
Views: 2196

Re: use a personal hotspot on a plane?

You need a travel router. I recently bought this for use in hotels; it's fantastic.

https://www.amazon.com/gp/aw/d/B016ZWS9 ... _pop_mb_pd
by j0nnyg1984
Mon Jan 01, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2438

Re: Checked bag to HI, worth cost and trouble?

I would like to know how you're paying $75 for a checked bag? They're typically $25 each direction, so are you taking one way flights on separate airlines to get to your destination or something?
by j0nnyg1984
Mon Dec 18, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7101

Re: New Car - Always use parking brake ?

I always use the parking brake. This is my procedure: Come to a complete stop Shift to neutral Quick foot off the brake, foot back on the brake to ensure that the car isn't "pressed" against the curb, or parking bump, etc. Engage emergency brake Shift to park Foot off of brake pedal This prevents lo...
by j0nnyg1984
Sun Nov 26, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: What happens to Hilton points if I cancel my Citi Hilton CC
Replies: 8
Views: 880

Re: What happens to Hilton points if I cancel my Citi Hilton CC

The points are tied to your Hilton Honors account, not the credit card. This is the same for all major airlines, and I'd assume all other hotel plans.
by j0nnyg1984
Sun Nov 26, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: going out to dinner with friends and how to split the bill
Replies: 86
Views: 5736

Re: Etiquette question: going out to dinner with friends and how to split the bill

I have never, and will never, split things evenly. Typically every couple or family gets their own check and handles it themselves. On rare occasions, people will give cash to one party, and that person usually pays the entire tab with a card, but the couple of times I have been the card payer, I've...
by j0nnyg1984
Fri Nov 24, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: if you could use only 1 investment firm...
Replies: 79
Views: 5372

Re: if you could use only 1 investment firm...

Merrill Edge. I moved all of my money from vanguard over the last few years but still hold vanguard etf's. win win.
by j0nnyg1984
Fri Nov 24, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30347

Re: Anyone tired of the stock market going up?

I couldn't care less. I'm going to invest the same amount every week regardless of market activities. Plus, I'm "only" 36, so I know I have a long, long time to go.

I would prefer that the market lose 99% of its value tomorrow, but that just isn't viable :mrgreen:
by j0nnyg1984
Tue Nov 21, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Your favorite Costco wines?
Replies: 40
Views: 4289

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: 1627

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: 2227

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: 108
Views: 13625

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: 1083

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: 1524

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: 24
Views: 1948

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: 24
Views: 1948

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: 17869

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: 953

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: 533

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: 414
Views: 82101

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: 6614

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: 2154

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: 13701

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: 13701

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: 6334

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: 2435

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: 2435

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)...