Search found 251 matches

by thewizzer
Wed Feb 21, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37268

Re: What UN-frugal thing do you do?

Eating out. Rarely expensive restaurants, mostly just $12-15 lunches, but I used to do that 4 times a week before my work schedule changed. I found it made a nice break in the middle of the day where I could go with co-workers and get a reprieve from talking about work related subjects (sometimes).
by thewizzer
Tue Feb 13, 2018 4:56 am
Forum: Investing - Help with Personal Investments
Topic: 457 PLAN
Replies: 13
Views: 724

Re: 457 PLAN

I have a 457b through ICMA for my work as a municipal police officer. As others have noted, you can access the money upon separation. That's a big deal for public safety, because typically we retire at a younger age than most employees. Although I also have a Roth, I can't touch that without incurri...
by thewizzer
Sun Feb 11, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10016

Re: Single People and Retirement Question

Why are you assuming you will stay single? Is that your desire or are you just resigned to it?

It’s never too late to find love.
by thewizzer
Sun Feb 11, 2018 5:34 am
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6973

Re: Does it ever make sense to buy a new car?

I quit crunching the numbers in my head when I got to the point in your post where you said you make 200k and already have 17k saved up.

Buy the new Camry. It’s not like you’re trying to justify purchasing a Maserati.
by thewizzer
Sun Feb 11, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan teaser rates lower than mortgage rates - arbitrage opportunity?
Replies: 13
Views: 998

Re: Auto loan teaser rates lower than mortgage rates - arbitrage opportunity?

I’ve never heard of a bank allowing someone to cash out the equity on a car. Seems like a risky proposition for all involved parties, being that cars are generally a depreciating asset.
by thewizzer
Mon Feb 05, 2018 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Hole
Replies: 163
Views: 13826

Re: Financial Hole

If you just post rambling replies about payday loans, you're not going to get any help. I'm going to assume you're just trolling until you provide more info.
by thewizzer
Thu Dec 21, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: New Zealand Accomodations
Replies: 22
Views: 1654

Re: New Zealand Accomodations

I was only in Picton one day, but I remember it being quite small. Don't think you're going to find any 5 star hotels there. I stayed in a hostel, which sounds like it's out of the question. Very scenic area though!
by thewizzer
Wed May 20, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Any advice on handling frequent weekend getaways?
Replies: 14
Views: 2668

Re: Any advice on handling frequent weekend getaways?

I would think that based on what you describe, you would do well to join some hotel loyalty programs or get a co-branded hotel chain credit card.
by thewizzer
Wed Mar 25, 2015 7:58 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) Question
Replies: 8
Views: 991

Re: 457(b) Question

It's hard to offer advice without knowing the fee structure.
by thewizzer
Thu Mar 19, 2015 9:18 pm
Forum: Personal Consumer Issues
Topic: Children's Swingset
Replies: 43
Views: 10970

Re: Children's Swingset

To be blunt, $4800 is a ridiculous price to pay for that swingset. I'm not being totally fair, because I'm not sure what area of the country you live in. With that being said, after just a quick glance at that particular set, I can tell you that it's not a quality set. The giveaway is that all the s...
by thewizzer
Sat Mar 07, 2015 5:03 pm
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 2115

Re: Time of Use Electrical Rates

I live in the Midwest and I have participated in my electricity providers TOU metering program for the last 6 years. It works for us. However, your electricity consumption is very high. It's hard to say whether or not you would benefit without more information on your consumption patterns.
by thewizzer
Mon Mar 02, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2705

Re: Father in law possible elder scam victim?

Merely taking a loan, even if the terms aren't favorable to the lender, isn't a scam. I think you're right to be suspicious, but I wouldn't jump to conclusions. You're absolutely correct. There isn't enough information provided to make a decision on whether or not any laws were broken. My above adv...
by thewizzer
Mon Mar 02, 2015 9:59 am
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 2705

Re: Father in law possible elder scam victim?

So you are going to pay a lawyer to draft a letter to scare them into paying? How much does this lawyer cost? Is it worth it for $7000? I don't know where you live, but where I'm from that's what the police do. In fact, I consider it one of my specialties :) Police can threaten arrest (if appropriat...
by thewizzer
Thu Feb 26, 2015 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough to retire at age 50?
Replies: 28
Views: 5367

Re: Do I have enough to retire at age 50?

I agree. That mortgage kind of puts a big kink in your plan, imho.
by thewizzer
Thu Feb 26, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: cold air from electric socket
Replies: 17
Views: 2551

Re: cold air from electric socket

You can get a 6 pack at Lowes for 2 bucks. They specifically state that they are flame retardant. I wouldn't bother with trying to make your own.
by thewizzer
Sun Feb 22, 2015 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 15547

Re: What age do you guys plan to retire?

June 23, 2031. Age 50 1/2 yrs old. That's the current plan, anyway
by thewizzer
Sat Feb 21, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Denmark--a few questions
Replies: 9
Views: 1338

Re: Moving to Denmark--a few questions

dgdevil wrote: Also, make sure your US credit card (again, preferably, with no foreign fees) has a PIN arranged, or it will be useless in Denmark.
Unless something has changed in the last 2 years, this is incorrect. I had no issue using any of my regular credit cards while in Denmark.
by thewizzer
Tue Feb 17, 2015 9:31 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 724135

Re: TradingPlaces' advice on travel awards

I've heard about the RedCard. I might look into that further. I will admit though that I'm not entirely comfortable quite yet with the whole manufactured spending strategy. Although as soon as I say this, I read this http://frequentmiler.boardingarea.com/2015/02/16/redbird-to-be-rolled-out-nationwi...
by thewizzer
Tue Feb 17, 2015 9:22 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 724135

Re: TradingPlaces' advice on travel awards

Great thread. I'm just starting to try to wrap my head around frequent flyer miles. This stuff seems complicated, and I just don't know if it's worth it for me. I don't travel for work, and I have only been taking an annual trip to Europe for the past couple of years (although I am going twice in t...
by thewizzer
Mon Feb 16, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 724135

Re: TradingPlaces' advice on travel awards

Great thread. I'm just starting to try to wrap my head around frequent flyer miles. This stuff seems complicated, and I just don't know if it's worth it for me. I don't travel for work, and I have only been taking an annual trip to Europe for the past couple of years (although I am going twice in th...
by thewizzer
Mon Feb 09, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 103001

Re: Mr. Money Mustache: Hero or Foolish?

I always find it interesting on how this particular subject evokes such a strong response out of people. The detractors are to be expected, but the really interesting part (at least for me) is how his followers are so rabid in their defense of the man.
by thewizzer
Sun Feb 08, 2015 11:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985599

Re: What Movie Have You Recently Watched?

The SpongeBob Movie: Sponge Out of Water.

I fell asleep.
by thewizzer
Tue Feb 03, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 8902

Re: Time to stop driving for 85 yo MIL

blevine wrote:Thanks all for your input.
Any update? Is she still planning on buying that new car?
by thewizzer
Sat Jan 31, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3489

Re: What to see in Istanbul

Without a doubt, Istanbul is our favorite destination city, bar none. There is more to see there, the history is fascinating, the people are friendly, and the food is marvelous. There must be more places to eat there than the rest of the world put together ( :wink: ). The big sites have been mentio...
by thewizzer
Sat Jan 31, 2015 9:04 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3489

Re: What to see in Istanbul

Are you going to other parts of Turkey like Gallipoli or Ephesus? Although now that I look at the map, I suppose Gallipoli would be a pretty awesome day trip! I still have a valid IDP. Any thoughts on renting a car in Turkey? What side of the road do they drive on? I drove through Romania last year...
by thewizzer
Sat Jan 31, 2015 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 26133

Re: How to respond when someone asks how much money you make

It's funny that it's a social faux pas for regular folks like us to know how much our colleagues make; however, many experts blame large executive pay precisely because they know how much other executives at rivals make, and they use it as leverage for higher pay. For example, the CFO at the very p...
by thewizzer
Fri Jan 30, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3489

Re: What to see in Istanbul

Are you going to other parts of Turkey like Gallipoli or Ephesus? Although now that I look at the map, I suppose Gallipoli would be a pretty awesome day trip! I still have a valid IDP. Any thoughts on renting a car in Turkey? What side of the road do they drive on? I drove through Romania last year...
by thewizzer
Fri Jan 30, 2015 10:35 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3489

Re: What to see in Istanbul

You'll be fine. Turkey is huge. I actually really wanted to go to the eastern part. I wanted to see Van in the lake district. Unfortunately it got hit really hard by a horrible earthquake. I'd like to also see Mt. Ararat. Probably not the time to go to the eastern part with the troubles with Syria ...
by thewizzer
Fri Jan 30, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3489

Re: What to see in Istanbul

Thanks all for the replies. I didn't mention it at first, but my parents are going with me. They are both history buffs, so we shouldn't be at a loss for things to see or do. I must admit that there's a small piece of me that's a bit concerned regarding the current state of affairs regarding the reg...
by thewizzer
Wed Jan 28, 2015 11:50 pm
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3489

What to see in Istanbul

This evening I booked a small vacation to Istanbul. I found round trip direct flights out of O'Hare for $549 in March and I couldn't pass it up for that price. I've wanted to see Istanbul for a while. I know it will be relatively cold (in the 50's) and probably rainy, but that's fine with me. The in...
by thewizzer
Sun Jan 25, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 6551

Re: New car safety features

I do not have any of the features on my current vehicle (2003 Toyota pickup truck), but I'm in the same boat as you. For my next vehicle, I'm leaning toward a Subaru product with their eyesight technology. I also think Honda is making a good move by having a rear backup camera standard on all of the...
by thewizzer
Sun Jan 25, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 8902

Re: Time to stop driving for 85 yo MIL

We had to face this with both of my parents, who FOUGHT like crazy and resisted. After we visited one final time and declared we would NEVER get in a car with them, we had to do something. (This was triggered by one of our children declaring after a visit with their own children that they'd never g...
by thewizzer
Sun Jan 25, 2015 11:36 am
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 8902

Re: Time to stop driving for 85 yo MIL

In Illinois, law enforcement officers and doctors can contact the Secretary of State to request what essentially boils down to an 'unsafe driver investigation.' It usually involves having the elderly person come in for another driving exam. Don't know what state you are in, but you might want to lo...
by thewizzer
Sun Jan 25, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 89
Views: 8902

Re: Time to stop driving for 85 yo MIL

In Illinois, law enforcement officers and doctors can contact the Secretary of State to request what essentially boils down to an 'unsafe driver investigation.' It usually involves having the elderly person come in for another driving exam. Don't know what state you are in, but you might want to loo...
by thewizzer
Wed Jan 21, 2015 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Should I enroll in this 457 plan?
Replies: 15
Views: 1604

Re: Should I enroll in this 457 plan?

I may be mistaken, but most plans allow you to roll a govt 457 plan into a traditional IRA at a place like Vanguard upon separation from employment, correct? Yes, that is correct. But as others have stated, one would lose the benefit of withdrawals upon seperation without penalty of they were to do...
by thewizzer
Thu Dec 18, 2014 10:44 pm
Forum: Personal Consumer Issues
Topic: Vinyl (as in old records)
Replies: 10
Views: 1322

Re: Vinyl (as in old records)

I would think that a record shop (yes, they still exist) would probably take them off your hands. You might make a buck or two, but I wouldn't expect much.
by thewizzer
Wed Dec 10, 2014 12:26 am
Forum: Personal Consumer Issues
Topic: Buying a casket
Replies: 19
Views: 3322

Re: Buying a casket

by thewizzer
Mon Dec 08, 2014 10:09 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 54
Views: 5313

Re: Ad hoc travel to Antarctica

I just read 'How to Travel the World for Free' by Michael Wigge the other night. He documented how he made it from Berlin to Antarctica without spending any money (well, he made a bit of money on the way). It was an interesting read, but mostly nothing more than a publicity stunt. It involved a lot ...
by thewizzer
Sun Nov 30, 2014 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Does contributing to 457b make sense in my situation?
Replies: 8
Views: 1358

Re: Does contributing to 457b make sense in my situation?

In your case, I don't think it makes any sense to contribute. As you stated, you cannot rollover a non-governmental 457(b) to an IRA. It would only be allowed to be rolled over into another 457(b) plan. But since you don't know where you will end up working, you can't say for sure whether or not the...
by thewizzer
Wed Nov 26, 2014 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying my parents a salary not to touch their nest egg
Replies: 50
Views: 5962

Re: Paying my parents a salary not to touch their nest egg

cfs wrote:Let your parents enjoy THEIR money.

Very sad situation.

Your parents worked all their life, what they have accumulated belong to them, let them enjoy EVERY single penny.

I have no further comments.


+1000
by thewizzer
Tue Nov 25, 2014 12:34 am
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 4315

Re: Experiences using VRBO, Airbnb internationally

I used airbnb in Budapest this last May. It was such a good experience I am planning on using it again this coming May for a trip to Scotland/Ireland.
by thewizzer
Sun Nov 23, 2014 9:37 pm
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 27
Views: 4513

Re: My grown up Christmas wish-A Warm House

Insulate your box sills in the basement. This will help quite a bit.

http://youtu.be/V5B5xytcz78
by thewizzer
Sun Nov 23, 2014 1:54 pm
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 8457

Re: 2015 Suburu Outback

miles monroe wrote:has anyone compared the outback with the crosstrek?
I'm interested in the answer to this question as well.
by thewizzer
Sat Nov 22, 2014 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: A friend asked about about resignation timing, but IANAL
Replies: 13
Views: 1965

Re: A friend asked about about resignation timing, but IANAL

I have absolutely no idea.

With that being said, is the job that bad? What's the downside to waiting around until Feb. 1 just to be sure?
by thewizzer
Thu Nov 06, 2014 10:19 pm
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 5445

Re: Electricity costs going up

I live in MA and use National Grid for my electricity. They just got approval from Board of Public Utilities to raise there rate to 16.18 per kWh nearly double our current rate. We have gotten letters from another company who will guarantee their rate at 11.99/kWh for 36 months. Is anyone familiar ...
by thewizzer
Mon Nov 03, 2014 8:35 am
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 2358

Re: Seeking recommendations for a new dishwasher

We've had a Bosch for 7 years. No complaints. Cleans well, quiet, and you can put plastic on the bottom rack.
by thewizzer
Tue Oct 14, 2014 1:14 pm
Forum: Personal Consumer Issues
Topic: Ebola preparation
Replies: 55
Views: 3987

Re: Ebola preparation

My local public health district promoted a 'stock 2 for flu' campaign a few years ago. Essentially, the advised to stock up on two week supplies of food, water, and other necessities in the event of a bird flu pandemic. I suppose the same logic applies for any other type of viral pandemic. For the r...
by thewizzer
Mon Oct 06, 2014 8:58 pm
Forum: Personal Consumer Issues
Topic: Schwann's, Tasty Bite?
Replies: 4
Views: 1054

Re: Schwann's, Tasty Bite?

We get Schwans delivered every other Thursday. Most of their offerings are pretty good. Much better quality than typical frozen foodstuffs from the local grocery store. They are also more expensive than typical grocery store prices, so I'm not sure it would work on a budget. All of it is frozen, so ...
by thewizzer
Sun Oct 05, 2014 11:24 pm
Forum: Personal Consumer Issues
Topic: New hardwood floor
Replies: 13
Views: 2156

Re: New hardwood floor

mrpotatoheadsays wrote:Two words: Lumber Liquidators.

Glue; never nail. Nails = squeaks.
I wouldn't glue if I were you. Most hardwood floor is nailed. A competent installer can nail it down so squeaks should not be an issue.