Search found 280 matches

by jlcnuke
Wed Oct 11, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7394

Re: Do you want your receipt?

Seems like I am asked this question whenever I make small puchases with my credit card, like coffee at Starbucks, and it always causes me to pause and think for a moment about the best answer. I usually say no, but I always have a millisecond of doubt in my mind whether I should have kept it for so...
by jlcnuke
Wed Sep 27, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Plan and accounting for inflation
Replies: 16
Views: 1712

Re: Retirement Plan and accounting for inflation

https://inflationdata.com/Inflation/Inflation/AnnualInflation.asp 2.24% averaged annual inflation is historically a bit low when using "recent" history (using the past 30 years or so, about right if using the past 100+ years). Expecting less than 1% average annual inflation is pretty likely to turn ...
by jlcnuke
Wed Sep 27, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 4445

Re: $700 to install a dishwasher seem by a plumber?!

The only things I can think of are your pictures showed some significant issues that would have to be addressed, they don't want the job and are pricing their quote as such, OR you didn't specify that you were supplying the dishwasher.... I'd call and ask for clarification and, if there isn't some m...
by jlcnuke
Mon Sep 25, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6773

Re: Tipping question....Applebees

See any issues with the suggested gratuities? Is your issue: 1. There is a suggested tip at all? 2. The suggested percentages are too high (or too low, or not granular enough)? 3. The calculations include the tax? My philosophy on tipping is thus: A) The server needs and appreciates the money more ...
by jlcnuke
Mon Sep 25, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4091

Re: Do you avoid risky adventures once you have the money?

I save money so I can afford to live life as I want. As such, I see no reason to let "having money" get in the way of living life. I dive, I ride my motorcycle, etc... however I have a fear of heights these days so you won't find me hanging out on sheer cliffs anyway :D
by jlcnuke
Mon Sep 25, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2963

Re: Do you subscribe to digital newspapers?

I refuse to pay money to read news. There are more free news sources than I could possibly read, so paying to read the news seems like it would be a waste of money to me.
by jlcnuke
Wed Sep 20, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3364

Re: How much do you spend on "entertainment"?

This has been a really interesting post to see what other people are spending in comparison to my own spending. What would be interesting from these posts, is rather than a dollar amount but a percentage of the monthly budget. For myself, my Entertainment is split through three categories, Dining O...
by jlcnuke
Tue Sep 19, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1180

Re: Disputing credit card transaction for programming Car FOB?

He gave you explicit warnings that the the results of "his work" may not be successful after he programs the key you brought him and you agreed to the service (and it's costs) anyway. I can't see any reasonable explanation for not paying him at this point honestly. Unless his warning specifically st...
by jlcnuke
Mon Sep 18, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Dental Work
Replies: 15
Views: 1261

Re: Dental Work

1. See different dentists to determine what is "needed" vs what a given dentist "thinks is best to do now". 2. When you understand what is "needed", shop around. At first you're likely to be disappointed in how few dentists will actually provide a price range over the phone (I know I was) for servic...
by jlcnuke
Mon Sep 18, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3364

Re: How much do you spend on "entertainment"?

I've spent about $15k ytd on "entertainment" to include travel/vacations, hobbies, alcohol, massages, sports, movies, etc. I don't have anymore out of the area vacations planned for this year currently, so I'll probably keep it under $18k for the year.
by jlcnuke
Mon Sep 18, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5584

Re: What is FI if you love your job? [Financial Independence]

I love this question you have raised and it deserves great discussion and then some. I believe even people who retire early, start working part-time, or simply transition in to 'hobbies' or something, NEED some kind of 'work' in their life. It may mean they are finally comfortable to take risks or ...
by jlcnuke
Mon Sep 18, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 68
Views: 5584

Re: What is FI if you love your job?

I agree but being very strict about FI can involve a lot of significant tradeoffs in the present, and I worry that I might regret those in the years to come, especially if I am still doing what I love to do anyway and haven't really "retired" to anything. I feel like a lot of the FI stuff I read pr...
by jlcnuke
Thu Sep 14, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3526

Re: US removing Kaspersky Antivirus from government computers

I haven't used anything but the built-in windows defender in years without any issue. I've read a few articles saying that many security pros say that it's as good as installing other software so I stopped using the other stuff.
by jlcnuke
Fri Aug 25, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA for out-of-network
Replies: 4
Views: 340

Re: HSA for out-of-network

HSA mistaken distributions. If amounts were distributed during the year from an HSA because of a mistake of fact due to reasonable cause, the account beneficiary may repay the mistaken distribution no later than April 15 following the first year the account beneficiary knew or should have known the...
by jlcnuke
Fri Aug 25, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Braves day game seats - any sections in shade?
Replies: 7
Views: 757

Re: Braves day game seats - any sections in shade?

You can see which seats are shaded (with sun above, not angled) pretty well in the pictures here https://www.talkingchop.com/2017/3/27/1 ... trust-park
by jlcnuke
Wed Aug 23, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: When have you achieved financial independence?
Replies: 27
Views: 4265

Re: When have you achieved financial independence?

teen persuasion wrote:
Tue Aug 22, 2017 9:10 am
I would say I am FIRE when I can live off income from all of my accounts, not just taxable. You can access retirement accounts before age 59.5: https://forum.mrmoneymustache.com/inv ... ge-59-5/
+1 :beer
by jlcnuke
Sun Aug 20, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16024

Re: Jobs that pay over $100,000

https://www.bls.gov/oes/current/oes172141.htm Mechanical engineers consist of 285,790 employed persons by last BLS count. Only the top 25% of them (salary wise) are breaking 100k/year. Those are very industry specific as well (oil/gas MEs coming out on top... of course they're required to work in oi...
by jlcnuke
Sun Aug 20, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 3124

Re: Frozen steaks ordered through the mail

I get mine at BJs, Sams Club, or Costco, depending on who has the best price at the time I'm stocking up. They cut them to order, I take them home, package them up using my Foodsaver vacuum sealer, then toss them in the freezer until I'm ready to eat them. Smoking a tomahawk steak right now. Should ...
by jlcnuke
Sun Aug 20, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1916

Re: Dental Insurance/Costs

I have not been to a dentist in many years but have quite a bit of non-emergency work I need to get done. Mostly cavities and one crown. Does anyone have any ideas on how to alleviate the cost? Does dental insurance cover "pre-existing" dental issues? Dental insurance that covers the expensive stuf...
by jlcnuke
Sun Aug 20, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 1916

Re: Dental Insurance/Costs

Hospitalizations from the implant? :shock: Yikes. Did he have a bad reaction to it or an infection? Yup. Infections. He used good post procedure care, but twice was hospitalized. We thought he might lose most of his jaw the second time. Needless to say, he will not be considering that again. Severa...
by jlcnuke
Fri Aug 18, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4715

Re: Powerball - $510 million?

CppCoder wrote:
Fri Aug 18, 2017 9:36 am
I wait until it clears $1 billion. Anything below that is just chump change and not worth the drive to the grocery store. :)
Grocery store? I buy my tickets online... :)
by jlcnuke
Fri Aug 18, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4715

Re: Powerball - $510 million?

Question for all the folks that what to win. How do you keep you privacy at home or around town? To me it seems like people would bug you constantly. Change phone #, emails, and set appropriate restrictions on privacy for social media would be the most important. Outside of that, most of the "to do...
by jlcnuke
Fri Aug 18, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: How does one determine their "number" and what exactly does it mean?
Replies: 116
Views: 11060

Re: How does one determine their "number" and what exactly does it mean?

Annual spending today + 50% buffer, that is if annual spending is 100% I then add an additional 50% to that number. That additional 50% is meant to include taxes and the real wildcard, healthcare/prescription costs. For example, annual spending is $30K, buffer is $15K. Annual requirement is 45K. Mi...
by jlcnuke
Fri Aug 18, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4715

Re: Powerball - $510 million?

Question for all the folks that what to win. How do you keep you privacy at home or around town? To me it seems like people would bug you constantly. Change phone #, emails, and set appropriate restrictions on privacy for social media would be the most important. Outside of that, most of the "to do...
by jlcnuke
Fri Aug 18, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4715

Re: Powerball - $510 million?

Question for all the folks that what to win. How do you keep you privacy at home or around town? To me it seems like people would bug you constantly. Change phone #, emails, and set appropriate restrictions on privacy for social media would be the most important. Outside of that, most of the "to do...
by jlcnuke
Fri Aug 18, 2017 6:30 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4715

Re: Powerball - $510 million?

I spend $312 on lottery tickets every year as a matter of course ($1 for each Mega Millions drawing and $2 for each Powerball drawing). On big jackpots, I might toss another $20 or so at them for the heck of it. Of course, I took $2,500 to Vegas with me too so I don't have any problem "throwing away...
by jlcnuke
Tue Aug 15, 2017 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9566

Re: When does renting make sense

So, all those rent versus buy calculator does not make any sense when you are comparing Apple versus Orange. I disagree. The New York Times rent v. buy calculator is great even when comparing apples to oranges. For example, I live in a VLCOL area. I was surprised to discover that I could buy a SFH ...
by jlcnuke
Tue Aug 15, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 5025

Re: Best Housing To Avoid Noise

I've owned 2 houses and lived in 9. I can't recall having any kind of problem with noise from neighbors happening more than maybe once a year on average (and that's not to say it was "actually" a problem, just a time when I could have been bothered by noise such as when throwing a July 4th party or ...
by jlcnuke
Mon Aug 14, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Pay Grad School Loans
Replies: 8
Views: 864

Re: How to Pay Grad School Loans

Have you considered working so that you can pay them off as you go? Lots of people attend school full-time and still work...
by jlcnuke
Mon Aug 14, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1534

Re: Do you manage your asset allocation like a Target Fund?

I plan to remain close to 100% equities on my investment portfolio until probably the year I retire. I do have a pension that will cover almost 100% of my "necessities" in retirement however, so that makes me comfortable maintaining a higher risk portfolio than I would without it.
by jlcnuke
Mon Aug 14, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3718

Re: What % of income to buy a car is not excessive?

feh wrote:
Mon Aug 14, 2017 11:35 am
whodidntante wrote:
Sun Aug 13, 2017 9:41 pm
I don't view % of income as good way to decide and I've never decided that way.
+1

I've never understood this type of thinking. Leads to lifestyle creep.
Nothing wrong with some lifestyle creep imo. Otherwise we'd all be living like broke teenagers...
by jlcnuke
Mon Aug 14, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9566

Re: When does renting make sense

Wanna know what the "rent vs buy" calculators won't tell you? They're only good for the 1st year of renting/buying. Check out the gold standard: https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html It is as accurate as you can get, based on your accuracy for predicting future in...
by jlcnuke
Mon Aug 14, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 9566

Re: When does renting make sense

Wanna know what the "rent vs buy" calculators won't tell you? They're only good for the 1st year of renting/buying. Let's assume they tell you that it's 10% cheaper to rent vs buy. That's great, but you're going to stay there for 40 years. Over those 40 years, the PI in your PITI will stay the same,...
by jlcnuke
Mon Aug 14, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3718

Re: What % of income to buy a car is not excessive?

A better question would be what percent of your net worth to spend on a car. At least to me when you are looking at is as a percent of income it implies that you would be getting a car loan. When I was starting out I had car loans so there is nothing inherently wrong with them but if you have to ge...
by jlcnuke
Mon Aug 14, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3871

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

If you're paying it off because you want to have it debt free - then go ahead. If you're paying it off because you're timing the market - don't bother. Oh, and for those touting the "tax savings because of the interest deduction" as a massive benefit, please explain how paying $1,000 in interest to ...
by jlcnuke
Mon Aug 14, 2017 7:07 am
Forum: Personal Finance (Not Investing)
Topic: buying a rental property vs investing more in stocks
Replies: 26
Views: 3296

Re: buying a rental property vs investing more in stocks

Assets Current home value is : 1.2M ( have a loan of 340k left on it at 2%) Current mortgage: 1500 a month + I put 500 towards pricipal We max out 401k - current worth of 401K is 300K Our taxable accounts have 400K in stock 100K in a savings account @ 1% 60K in a FD at 4% ( vests in early 2018) You...
by jlcnuke
Mon Aug 14, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Do I Need a Trust? (for single, no children, beneficiaries, etc.)
Replies: 16
Views: 1527

Re: Do I Need a Trust? (for single, no children, beneficiaries, etc.)

I don't know if you need a trust (someone more knowledgeable will come along to discuss that), but it seems to me that you need a will for sure. Your location will determine what happens to your estate should you pass without a will, and most will give all your stuff to your closest relative. As suc...
by jlcnuke
Mon Aug 14, 2017 5:46 am
Forum: Personal Finance (Not Investing)
Topic: What % of income to buy a car is not excessive?
Replies: 48
Views: 3718

Re: What % of income to buy a car is not excessive?

I'd say it really depends on your priorities. I spend AT LEAST 10 hours each week in my car on average. That's a LOT of time to be in something I find uncomfortable or otherwise don't care for. As such, cars are one of the few things that I "splurge" on. "Car guys/gals", likewise, will spend more on...
by jlcnuke
Thu Aug 10, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a second retirement account
Replies: 2
Views: 407

Re: Setting up a second retirement account

The 401k max contribution limits are for "Across all accounts" so be sure that you don't exceed those limits. You can likely make "employer" contributions from your LLC into a 401k through that company up to the total contribution limits assuming your current employer isn't contributing enough to re...
by jlcnuke
Wed Aug 09, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 2001

Re: Personal Capital - Questions about the "Cash Flow" feature

Maybe stop buying things that you return for a refund and the problem will go away? Or delete both transactions if you want to use the data provided by Personal Capital for budgeting? I was kinda wondering how much stuff they're returning that it has a significant impact on their budgeting... I'd g...
by jlcnuke
Wed Aug 09, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6379

Re: Time to leave our dentist??

As a person with dental problems, I can say with 100% certainty that "shopping around" is DEFINITELY in your best interest when it comes to dentists. Right now, I need significant dental work (toothache, broken tooth that needs a root canal/crown). I also have a massive phobia regarding dentists/den...
by jlcnuke
Tue Aug 08, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: What do you do when you need access to money in an investment account?
Replies: 33
Views: 3025

Re: What do you do when you need access to money in an investment account?

I sell whatever is out of balance. Sometimes I will let equity ride a bit to avoid taking a tax hit but with all the harvested losses from the down-tick in 2009, that hasn't been an issue recently. I understand the point about selling stuff that is out of balance. But your second sentence: doesn't ...
by jlcnuke
Fri Aug 04, 2017 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any website to get paid carpooling?
Replies: 12
Views: 1035

Re: Any website to get paid carpooling?

I get gas cards for carpooling. www.gacommuteoptions.com

Of course, that doesn't work for people in other, less awesome, states :D
by jlcnuke
Fri Aug 04, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 24318

Re: A poll: How much money do you want to retire?

40, single, and $1.8M would comfortably provide for maintaining my current lifestyle. Less if I included SS. Even less if, contrary to the instructions, I include my pension.

How much do I "want"? Tonight's Mega Millions jackpot would be nice.... :mrgreen:
by jlcnuke
Thu Jul 27, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Maintaining Credit Score without Installment Loans
Replies: 8
Views: 463

Re: Maintaining Credit Score without Installment Loans

Have a credit card (or more than one) and have a utilization rate in the 1-9% range. Then wait. When you close out a loan etc you'll get an immediate drop. It'll bounce back. Myself and others have gotten credit scores into the 800's with no active loans of any kind (just open credit cards on the c...
by jlcnuke
Thu Jul 27, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Help with negotiating neighbor/yard drainage costs
Replies: 24
Views: 1741

Re: Help with negotiating neighbor/yard drainage costs

Your house has insufficient drainage capability and/or grading. The extend of your grading problem *could* be aggravated by his driveway change, but it's still a flaw in your house. Re-grading your yard to direct water drainage away from your house would be the first step, though you'd still be best...
by jlcnuke
Thu Jul 27, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Maintaining Credit Score without Installment Loans
Replies: 8
Views: 463

Re: Maintaining Credit Score without Installment Loans

Have a credit card (or more than one) and have a utilization rate in the 1-9% range. Then wait. When you close out a loan etc you'll get an immediate drop. It'll bounce back. Myself and others have gotten credit scores into the 800's with no active loans of any kind (just open credit cards on the cr...
by jlcnuke
Thu Jul 27, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8577

Re: Should you wait until the due date to pay credit card balance?

I pay mine off every time I get paid (weekly). As for credit scores , I've gotten 2 new credit cards, a mortgage, and a loan in the past 10 months so my FICO score is down to 778 per Discovery... I'm going to go ahead and say that paying it off weekly isn't hurting my credit. With over $40k in credi...
by jlcnuke
Tue Jul 25, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Series 65 Volunteer Advising?
Replies: 33
Views: 2350

Re: Series 65 Volunteer Advising?

I just took a Series 65 class last week through Kaplan actually, and expect to sit for the test in the next week or two. You do not need sponsorship, but you would for the series 7 or Series 63/66, which most firms would want you to have. My intention is to hang out a shingle as a side hustle. I do...
by jlcnuke
Tue Jul 25, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 4122

Re: Pay yourself first.

Every week 401k and HSA contributions come out automatically from my paycheck. Every 2 weeks, planned taxable account and savings account contributions are deducted from my checking account on payday automatically. Roth payments I make manually out of my pay during weeks I get overtime until it's ma...