Search found 65 matches

by johnriley
Sun Oct 08, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Spouse gets blowouts? [Hair care]
Replies: 47
Views: 2383

Re: Spouse gets blowouts?

Sounds like you all need to split the difference and meet in the middle.
by johnriley
Sun Sep 03, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best Retail banks - switching from Chase
Replies: 23
Views: 2312

Re: Best Retail banks - switching from Chase

If you're in New York, go with First Republic Bank. They are an incredible mid-sized bank, and are very customer service focused. Highly recommend them.
by johnriley
Tue Aug 15, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Remodel Price/Contractor Dispute
Replies: 37
Views: 4108

Re: Kitchen Remodel Price/Contractor Dispute

Just pay it. Why expend this much energy over $500?
by johnriley
Sun Aug 06, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: fees for depositing cash in a business account?
Replies: 6
Views: 521

Re: fees for depositing cash in a business account?

I would tell them to pound sand.
by johnriley
Thu Aug 03, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Selling domain names
Replies: 4
Views: 597

Re: Selling domain names

My suggestion would be flippa.com. I have a small portfolio that I've listed there.
by johnriley
Mon Jul 17, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 43
Views: 2832

Re: How Much Would You Spend on a Blender?

Get a refurbished Blendtec. They are the blenders that Starbucks, Smoothie Kings, etc. use, and the refurbs can be purchased for $200 when they would be $500 new.

I got one and love it.
by johnriley
Sun Jul 16, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2065
Replies: 22
Views: 2127

Vanguard Target Retirement 2065

If any of you all are young (like me) or have children, Vanguard launched the Target Retirement 2065. Just moved some of my money over there for simplicity.

Cheers! :sharebeer
by johnriley
Wed Jul 12, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Rental Car - Which Credit Card to be used
Replies: 9
Views: 761

Re: Rental Car - Which Credit Card to be used

Well, first of all, if you're booking through Chase UR I think you've already made your decision. No point in using two credit cards, which could obfuscate your coverage. Chase's coverage is primary, which means they don't just cover limits after other insurance sources. I would stick with the Chase...
by johnriley
Thu Jul 06, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2291

Re: Task management / organizing app

I use Teuxdeux -- a to do app with humor!
by johnriley
Sat Jun 24, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Losing admiration for Warren Buffett
Replies: 9
Views: 1836

Re: Losing admiration for Warren Buffett

Try watching "Becoming Warren Buffett" and see what you think. I lost all respect after watching that, and it served as a good reminder for me that investing should just serve as a mechanism to provide income in retirement, and not as an "end all be all".
by johnriley
Sun Jun 18, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 2284

Re: Change Auto & Umbrella Insurance after 52 years?

In my opinion, go with the best rate.

Corporate America's slogan is "what can you do for me today?", and few reward loyalty
by johnriley
Sun Apr 30, 2017 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for umbrella policy
Replies: 23
Views: 3796

Re: Turned down for umbrella policy

My family was turned down for USAA Umbrella due to an at-fault accident. The USAA rep said that 7 months later, we would be eligible for their umbrella as the accident would fall off, but could purchase USAA-supported umbrella insurance underwritten by one of Berkshire Hathaway's subsidiaries. We di...
by johnriley
Sun Apr 16, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Conflicting Expense Ratios
Replies: 4
Views: 466

Re: Conflicting Expense Ratios

Make sure you're looking at the plan documents/ratio. Many 401Ks get preferred pricing over retail investors.

Or, better yet, do roll it into a tIRA at Vanguard!
by johnriley
Tue Feb 14, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 76
Views: 10005

Re: Audi Q7 Reliability

My mom has a 2013 Audi Q7 (switched from a Toyota Sequoia) and my dad has a 2012 BMW 528i (switched from an Acura MDX). Both have been great cars. In my opinion, they are much safer than Japanese cars, while also being more responsive and fun to drive. The maintenance costs have been similar, and as...
by johnriley
Mon Feb 06, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 17609

Re: WSJ Digital Subscription - a bargain!

Just FYI, they are probably signing up with a student discount, etc. and then reselling it to you which could mean your account is at risk of being disabled. Erwin, I think that aside from their core audience, the paper is desperate for subscribers. This is universal in the industry which is why the...
by johnriley
Mon Jan 30, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 9644

Re: Is joining a country club a character flaw?

Probably going to join one in the next bit, and don't think it's a character flaw. There is nothing wrong with wanting to be around smart, savvy people in a private home-like environment. Just be sure you can afford it. Cheers!
by johnriley
Thu Jan 19, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Possible reality check needed?
Replies: 13
Views: 1206

Re: Possible reality check needed?

Start using YNAB and track your spending more carefully... It will change your habits.
by johnriley
Tue Jan 17, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking our expenses
Replies: 40
Views: 3408

Re: Tracking our expenses

YNAB. Simple, intuitive, and cost effective. Syncing makes it easy on you.
by johnriley
Thu Dec 22, 2016 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Got an unexpected tax collections notice...
Replies: 24
Views: 4233

Re: Got an unexpected tax collections notice...

FYI, DO NOT pay it or you acknowledge the debt. Ask them to validate it, and on that same letter request that they only correspond via mail.
by johnriley
Sat Dec 03, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: 20% Match on 401k.. sorta.
Replies: 45
Views: 5480

Re: 20% Match on 401k.. sorta.

This is very shady, in my opinion. It is standard in the entire 401k ecosystem for match to be a percentage of salary for both parties, not a percentage of the employee's contribution.

Depending on your position and political capital, you could call them out on that.
by johnriley
Wed Nov 30, 2016 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord for first time - tips and things to know?
Replies: 42
Views: 4675

Re: Landlord for first time - tips and things to know?

As a landlord: 1) Make sure you're using TransUnion Smart Move or another service 2) Own your house in an LLC, and get Rental Property policies that cover the house and have at least $1,000,000 general liability limit. 3) Get your own umbrella policy 4) Use something like RenterUp.com or Cozy to man...
by johnriley
Tue Nov 22, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to keep over 250K cash in one savings acount?
Replies: 19
Views: 3375

Re: Okay to keep over 250K cash in one savings acount?

Check Bankrate.com to see what is available to you.
by johnriley
Tue Nov 15, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Comprehensive discussion on holding/trading mutual funds, ETF, and stocks in Chase (for those who values CPC status)
Replies: 101
Views: 14313

Re: Beginner's guide to not getting con'd by Chase

OP, you are letting credit card rewards skew your rational decision making. That 1.25% fee is absurd, and will long term wipe away any points you are earning. You can still get a lot of those rewards while having your money in a tax efficient, low-cost allocation at Vanguard or Fidelity. In fact, yo...
by johnriley
Thu Nov 10, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Wife's Colleague Scratched our car with his car
Replies: 30
Views: 4629

Re: Wife's Colleague Scratched our car with his car

Just now I had talked to my neighbor who is an expert in automobiles. He said the scratch is deep, and it damaged the inner coating, not just outer layer or something like that. He suggested to go to the collision shop and get another quote in addition to quote from the showroom. What he is saying ...
by johnriley
Wed Nov 09, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1547

Re: How to do secure communications to my web server?

You are using very non-standard security methods. As everyone mentioned, use a SSL certificate from Let's Encrypt and switch to the gold standard, SSH, for server maintenance.
by johnriley
Thu Oct 27, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Debit or Credit card with no fees
Replies: 25
Views: 1242

Re: Debit or Credit card with no fees

And you don't just want to stick with a budget? Have you tried YNAB (You Need a Budget)?
by johnriley
Thu Oct 27, 2016 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with potential Investment Venture
Replies: 13
Views: 982

Re: Help with potential Investment Venture

I would only provide that $2,500 if you are getting your house painted upfront.
by johnriley
Thu Oct 13, 2016 6:13 am
Forum: Investing - Help with Personal Investments
Topic: Switching Brokerages Question
Replies: 6
Views: 602

Re: Switching Brokerages Question

Technically, you can withdraw the money as a distribution and then re-contribute it at Vanguard as long as it is done within 60 days. You will need to call Vanguard to ensure that code the transaction as a replacement of already contributed money, otherwise you could over contribute in 2016. That be...
by johnriley
Thu Oct 13, 2016 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Passbook Savings transfer
Replies: 10
Views: 964

Re: Passbook Savings transfer

Wire transfer or ACH (electronic check) transfer are your best bet.

ACH bank transfer can be done online here https://personal.vanguard.com/us/BankViewInfo?FW_Event=fromSummary by entering your routing and account number.
by johnriley
Thu Oct 06, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Gifting prepaid VISA/MC/Amex card - which one to buy?
Replies: 13
Views: 1093

Re: Gifting prepaid VISA/MC/Amex card - which one to buy?

AmEx often lets you buy their cards without any fees if you're a card member.
by johnriley
Tue Aug 09, 2016 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Synchrony High Yield
Replies: 7
Views: 1080

Re: Thoughts on Synchrony High Yield

Synchrony has gotten horrible results due to a system change recently... I used Ally for a long time and loved them.
by johnriley
Thu Aug 04, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Florence, Italy Hotel?
Replies: 18
Views: 1186

Re: Florence, Italy Hotel?

Have you looked at Airbnb? I stayed at a small one bedroom apartment that was BEAUTIFUL. My girlfriend and I were blown away by how nice it was.

Otherwise, I've heard good things about the Gallery Hotel Art.
by johnriley
Mon Aug 01, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with $350k???
Replies: 17
Views: 3504

Re: What should I do with $350k???

Open a joint account at Ally, American Express Personal Savings, or GSBank (internet bank for Goldman). I've worked with the first two, and they've both had excellent customer service. FDIC insurance up to 500k.
by johnriley
Sun Jul 31, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should my wife form an S-corp?
Replies: 25
Views: 1888

Re: Should my wife form an S-corp?

Having an S-Corp only helps with taxes if you make enough money where you can take a salary AND a distribution. For example, if I own company XYZ, LLC and it's Schedule C, but I only make $50,000, it isn't worth setting it up as a LLC S-Corp. The entire $50,000 would be salary, taxed at 15.3% self e...
by johnriley
Sun Jul 31, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Reloadable Prepaid Credit/Debit card with no fees
Replies: 8
Views: 868

Re: Reloadable Prepaid Credit/Debit card with no fees

I'm not sure if this is against board rules, but I'm working on a project that solves exactly this called Moola (moolaforkids.com). It's an app with a debit card integrated. You can sign up on our site to get an invite to our private beta.
by johnriley
Sun Jul 31, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 8612

Re: New Tipping Practice?

My impression is that younger people (under 30) always pay with a CC, and usually tip at these walk-up counter places. I could be mistaken, but this is what I have observed. Perhaps this is in solidarity and with acknowledgment that wages for these jobs just aren't cutting it. I'm twenty two, and w...
by johnriley
Sun Jul 31, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Anyone else sick of AT&T internet? Suggestion needed please!
Replies: 7
Views: 774

Re: Anyone else sick of AT&T internet? Suggestion needed please!

Honestly, people rag on Comcast, but once you get your service setup, I've never had a problem with them. Outage here (Atlanta, GA) once every 2-3 years.

We used to have constant problems with AT&T, both with the customer service and service.
by johnriley
Sun Jul 24, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Allstate Umbrella Insurance
Replies: 33
Views: 3448

Re: Allstate Umbrella Insurance

I would look to switch. Allstate is known to be expensive. Try USAA (if you qualify) and GEICO.

Also FYI, credit scores top out at 850.
by johnriley
Sat Jul 23, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Bordeaux wines
Replies: 20
Views: 1961

Re: Bordeaux wines

Have you tried Garagiste?

I not only find the commentary of the wine entertaining, but I've bought some great wines at reasonable prices.
by johnriley
Fri Jul 22, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: How do I profit from a mutual fund investment
Replies: 7
Views: 620

Re: How do I profit from a mutual fund investment

Jerry, Typically, when stocks pay a dividend or mutual funds make a distribution, you are correct, the share price is reduced by the cash value of that distribution. The thinking is is that if Apple is worth $10 a share, $4 of that is intellectual property, $2 of that is their human capital, etc. an...
by johnriley
Thu Jul 21, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: business receipts
Replies: 17
Views: 1453

Re: business receipts

I have a couple of businesses, and keep detailed receipts for all of the large expenses. For other ones, I just enter it in a spreadsheet. No matter the system / infrastructure, it is extremely helpful at tax time.
by johnriley
Wed Jul 13, 2016 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Georgia 529 Tax Deductions
Replies: 7
Views: 867

Re: Georgia 529 Tax Deductions

In my situation of 2 kids and MFJ, can we now contribute 4k for each child? Can I do that for 2016 year and when I file in 2017, claim it? Yes... it's now $4000 per beneficiary starting in 2016. Also, just so you know, you can (technically speaking) contribute to a 529 in your own name and in your ...
by johnriley
Tue Jul 12, 2016 9:42 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 6138

Re: Passwords

Highly recommend LastPass Premium.
by johnriley
Mon Jul 11, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Solving poor cell coverage: Microcell or booster?
Replies: 25
Views: 2177

Re: Solving poor cell coverage: Microcell or booster?

Highly recommend Voice over WiFi. I use it when traveling internationally, and it is much more reliable than a MicroCell, which I've used in the past.

https://support.apple.com/en-us/HT203032
by johnriley
Mon Jul 11, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 2945

Re: Vanguard broken this morning?

It's working for me.
by johnriley
Wed Jul 06, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: Live abroad for a year?
Replies: 32
Views: 3004

Re: Live abroad for a year?

All for it. I'm fluent in Spanish after living abroad for a year. You would not imagine how much wider your mind becomes when you have a second language.
by johnriley
Wed Jul 06, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Experience with AT&T U-verse?
Replies: 19
Views: 1966

Re: Experience with AT&T U-verse?

AT&T U-Verse is faux-fiber. I would recommend using your local cable company until actual fiber is available. The copper wires that were used for POTS are not meant to support these kind of services.
by johnriley
Tue Jul 05, 2016 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting startup expenses on personal taxes
Replies: 22
Views: 2037

Re: Deducting startup expenses on personal taxes

Yes, you can fully deduct up to $5,000 and partially deduct up to $50,000. Anything above that has to be amortized over 180 months. IRS Publication 535 and this website ( http://www.bizfilings.com/toolkit/sbg/tax-info/fed-taxes/start-up-costs-and-organizational-expenses.aspx ) are both great starts.