Search found 609 matches

by j0nnyg1984
Sun Sep 08, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 2988

Re: no idea - bourbon

Some of the best stuff to drink is also quite affordable - grab a bottle of buffalo trace for $25 and enjoy.
by j0nnyg1984
Sat Sep 07, 2019 1:35 pm
Forum: Personal Investments
Topic: Saving for a Condo
Replies: 5
Views: 490

Re: Saving for a Condo

Pay off your debt before you save a down payment, then build your emergency fund, then put everything you can into a dedicated savings account for your down payment.
by j0nnyg1984
Sat Sep 07, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 93
Views: 8190

Re: IPhone 6 - showing some age

I hope this has already been posted, but make an appointment online and take the device directly to an apple store. They will swap the battery for a cost. You can check settings / battery / battery health to see the wear and tear on the battery. Anything under 80% and I would strongly consider repla...
by j0nnyg1984
Sat Sep 07, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10677

Re: Did I commit a tipping faux pas?

I hate our tipping system, too, but unless you’ve experienced the completely horrid service from a European restaurant, you really have no idea of how well our system works. I hate eating at restaurants when I’m in Europe for work - England, Austria, Germany...their norm is bad service. They get pai...
by j0nnyg1984
Sat Sep 07, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: How much do you tip ubereats?
Replies: 35
Views: 2794

Re: How much do you tip ubereats?

I live in a locked condo building and I don’t remotely unlock the entry doors for people, so I have never used a delivery service at home. I have, however, used grubhub / Uber eats / others many times while on work traveling trips. Just like Uber / lyft, I almost never tip. If I ask the delivery fol...
by j0nnyg1984
Wed Sep 04, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early - am I thinking about this right?
Replies: 112
Views: 9202

Re: Paying off mortgage early - am I thinking about this right?

I only read the first few replies, but mhalley is absolutely on the money. You cannot make this strictly about the numbers - your personal feeling, tolerance, what have you needs to be the lions share of the decision. I was in a similar boat recently. 35, single, no debt except mortgage, maxing my 4...
by j0nnyg1984
Wed Sep 04, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Financial review
Replies: 15
Views: 1287

Re: Financial review

I think you're indicating you went to a nice house over the weekend and it got you thinking about your personal finance horizons. Yes, that is accurate. It wasn't jeasouly or comparing, but more caused me to reflect a bit on personal finance. It just surprises me at how some people spend their mone...
by j0nnyg1984
Wed Sep 04, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 37
Views: 2873

Re: Home warranty - is it worth the money?

Extended warranties of ANY kind wouldn’t be sold if they were “worth it.” They are a huge money maker for the seller. The buyer feels like they are winning when they utilize the warranty / insurance, but it’s a false feeling. My brother has been paying for AAA for years - he’s used it twice, once wh...
by j0nnyg1984
Thu Aug 22, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9 - 3rd Generation
Replies: 50
Views: 3579

Re: iPad Pro 12.9 - 3rd Generation

I travel extensively for work, flying ~120k miles a year. Bought my first iPad mini probably 4 years ago, left it on a plane in Germany last September. I suffered without until just last month when I decided that holding back on saving that $500 wasn’t worth what I was losing while traveling. Now ow...
by j0nnyg1984
Thu Aug 22, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4366

Re: Paying credit card "current balance" vs. "statement balance"

I always pay the current balance, the highest amount. I don’t care about missing a couple dollars of interest from the money leaving my bank when not “necessary.”
by j0nnyg1984
Mon Aug 19, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card annual fee coming up - what to do?
Replies: 25
Views: 2755

Re: Credit card annual fee coming up - what to do?

Option #1 - Ask and you shall receive. They waived the AF when I called at the end of last year, didn't even bat an eyelid. I agree that the AF is a bit steep. Hell, they all are. Option #2 - Yes, I have also missed out on bonuses by downgrading - and the Quicksilver One bonus ($150 after a $500 sp...
by j0nnyg1984
Mon Aug 19, 2019 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card annual fee coming up - what to do?
Replies: 25
Views: 2755

Re: Credit card annual fee coming up - what to do?

Just cancel it. It is a mediocre card after the bonus.

Barclays has a 50k sign up bonus card with he same 2% travel statement credit scheme. Go for that one next :)
by j0nnyg1984
Sun Aug 18, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Company Vehicle - value?
Replies: 9
Views: 621

Re: Company Vehicle - value?

I wouldn’t. It’s already priced into your salary.
by j0nnyg1984
Thu Aug 15, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 871

Re: Should I lower my life insurance policy amount?

1mm sounds good to me - don’t think I’d feel comfortable with less. It’s not a ton of money once your debts are paid, considering 16 to 20 years of expenses plus college for your kids.

I’d immediately use 100% of that EF to pay off your debts, too.
by j0nnyg1984
Wed Aug 14, 2019 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 1952

Re: Refinance car as layer of emergency funding?

Cash out refi on a freaking car? :oops:

You need to sell the car, get a job (or a second job) and read Dave Ramsey's book.

This is ridiculous.
by j0nnyg1984
Tue Aug 13, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7092

Re: Use Vanguard MM Prime for cash rather than local bank?

I thought this would be easier to compare, but either I’m missing something, or the vanguard site doesn’t provide ALL of the information. How do I find the specifics regarding the taxability of each of these funds? I’ve seen blogs and other calculators showing that based on a persons tax status, sta...
by j0nnyg1984
Tue Aug 13, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7092

Re: Use Vanguard MM Prime for cash rather than local bank?

Prime = VMMXX Federal = VMFXX Federal is the settlement fund for brokerage accounts, which links to external bank accounts for bidirectional ACH transfers. I think some folks may use others for special tax situations. I was using primarily Vanguard Treasury MM (VUSXX) in taxable until recently, as ...
by j0nnyg1984
Tue Aug 13, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Use Vanguard MM Prime for cash rather than local bank?
Replies: 69
Views: 7092

Re: Use Vanguard MM Prime for cash rather than local bank?

What are the tickers for the MM funds y’all are using at vanguard? I’m trying to clean up my moms accounts; dumping capital one would be beneficial
by j0nnyg1984
Tue Aug 13, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4504

Re: Do burglars steal and use paperwork?

My brothers house was robbed a month or so ago. They took his watches and her jewelry, plus a box containing passports, SS cards, random financial documents, old CC’s and drivers licenses, checks, etc. They reported everything stolen the next day, and I helped them freeze their credit reports at the...
by j0nnyg1984
Tue Aug 13, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Green Dot Bank 3% HY savings account
Replies: 6
Views: 1260

Re: Green Dot Bank 3% HY savings account

Interest is only paid once a year?

lol, no thanks.
by j0nnyg1984
Mon Aug 12, 2019 6:41 pm
Forum: Personal Consumer Issues
Topic: Why household batteries have picture of no trash disposal on them?
Replies: 27
Views: 2771

Re: Why household batteries have picture of no trash disposal on them?

Just in case anyone is doing this, car batteries shouldn’t be thrown in the trash. They each have 20 lbs. of lead in them as well as the acid which will eventually be leached into our groundwater. Not only that but the lead is valuable and can be reused for other purposes, like new batteries. In fa...
by j0nnyg1984
Mon Aug 12, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Why household batteries have picture of no trash disposal on them?
Replies: 27
Views: 2771

Re: Why household batteries have picture of no trash disposal on them?

Just in case anyone is doing this, car batteries shouldn’t be thrown in the trash. They each have 20 lbs. of lead in them as well as the acid which will eventually be leached into our groundwater. Not only that but the lead is valuable and can be reused for other purposes, like new batteries. In fa...
by j0nnyg1984
Mon Aug 12, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 84
Views: 5694

Re: Beyond Meat Burger? Do you like?

Unless offered an obscene amount of money, I would never consume one of these things.
by j0nnyg1984
Mon Aug 12, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Why household batteries have picture of no trash disposal on them?
Replies: 27
Views: 2771

Re: Why household batteries have picture of no trash disposal on them?

My condo association has a special bin in our recycling / garbage room for alkaline batteries. It’s never been explained if this is a requirement in our location or not.

I used to go through LOTS of AAA batteries with my Bose QC25, but since upgrading to the QC35, I’ve trashed basically none.
by j0nnyg1984
Mon Aug 12, 2019 9:24 am
Forum: Personal Investments
Topic: Student loan debt vs. VTSAX
Replies: 36
Views: 2536

Re: Student loan debt vs. VTSAX

I would pay it off immediately, math be damned. I am uncomfortable with debt and appreciate having absolutely no debt payments in my life. As long as you generally make sound financial decisions, I would tell you to do whatever makes you feel most comfortable. This is the only metric that truly matt...
by j0nnyg1984
Mon Aug 12, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Where to donate house plants
Replies: 15
Views: 1128

Re: Where to donate house plants

Are you in the PacNW? If so, I’ll take some :)
by j0nnyg1984
Sun Aug 11, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Have you skipped a flight segment to save on airfare?
Replies: 39
Views: 3131

Re: Have you skipped a flight segment to save on airfare?

As a top tier AA status holder, yes, done it a handful of times, will do it again if possible and necessary. Almost all of my flights are for work, so I don’t care too much about scheming to save money, and I’m usually checking tools, but I have had a few trips where the pricing was absolutely egreg...
by j0nnyg1984
Fri Aug 09, 2019 9:21 am
Forum: Personal Investments
Topic: Bond funds in an HSA
Replies: 19
Views: 1467

Re: Bond funds in an HSA

I don’t agree with your choice of bonds in HSA - mine is set to highest risk, VTI. No taxes means I want the biggest possible gains - I have my bond allocation in my tIRA.

I would pick that TIPS-looking fund.
by j0nnyg1984
Thu Aug 08, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 61
Views: 3693

Re: New family car and safety considerations

surfstar wrote:
Thu Aug 08, 2019 9:44 am
This comes from someone who over-analyses almost all purchases.
I would have never guessed that from the novel you just wrote.
by j0nnyg1984
Thu Aug 08, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 61
Views: 3693

Re: New family car and safety considerations

I haven’t purchased a new vehicle in 15 years, but I do not consider “vehicle safety” for a split second. This is America, not China or India - any vehicle will be “safe” enough if operated properly.

The fewer sensors and automatic controls the better.
by j0nnyg1984
Thu Aug 08, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 2789

Re: which stud finder?

Assuming wood frame and drywall, a strong magnet is all you need.
by j0nnyg1984
Thu Aug 08, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: SS - 6 months rearwards option
Replies: 11
Views: 1034

Re: SS - 6 months rearwards option

Just in case anyone missed it, that is for full retirement age only. I just sat through a meeting at the local social security office with my mom, who was 62 and 11 months at the time of the meeting. They would not allow her to file retroactively.
by j0nnyg1984
Wed Aug 07, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Credit Card Rewards and Transfer Bonus.
Replies: 58
Views: 2881

Re: Real Life Experience. Credit Card Rewards and Transfer Bonus.

It’s pretty annoying when you get to the end of cards, though. I hit this wall a few years ago and haven’t “played the game” since. What do you mean, "get to the end of the cards"? RM There are only so many credit cards out there and many limit the number of times you can get the bonus. Some used t...
by j0nnyg1984
Wed Aug 07, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Real Life Experience. Credit Card Rewards and Transfer Bonus.
Replies: 58
Views: 2881

Re: Real Life Experience. Credit Card Rewards and Transfer Bonus.

It’s pretty annoying when you get to the end of cards, though. I hit this wall a few years ago and haven’t “played the game” since.
by j0nnyg1984
Mon Aug 05, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3061

Re: Gifts to Bring when Traveling Overseas

Dude2 wrote:
Sun Aug 04, 2019 9:50 am
Meat.
Definitely, absolutely do not attempt to bring meat or produce into a foreign country.
by j0nnyg1984
Mon Aug 05, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 43
Views: 6440

Re: Anyone Tried Costco Travel Packages?

I use Costco travel for 90% of my rental car bookings. They are always cheaper than my corporate Avis rate, but sometimes I can find rentals cheaper with Kayak (though they often require a non-refundable prepayment).

No vacation packages for me, sorry.
by j0nnyg1984
Mon Aug 05, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 3990

Re: "Duty Free" shops at Airports

I have purchased cologne in Canada, liquor in Germany, and tobacco in Mexico (at the airport Duty Free shop, of course). The pricing was substantially lower than I could find elsewhere. Like every purchase, it’s advisable to take 5 minutes to search online for comparable prices. I was interested in ...
by j0nnyg1984
Sun Aug 04, 2019 11:12 pm
Forum: Personal Investments
Topic: Maybe a simple question [best way to pay off student loan]?
Replies: 7
Views: 778

Re: Maybe a simple question?

You shouldn’t be planning to use the EF for a new vehicle. You need to save up for that in a different account.

I’d stop the investing, pay off the debts, get the EF to an acceptable level, stockpile cash for your upcoming vehicle need, then start investing again.
by j0nnyg1984
Sun Aug 04, 2019 11:05 pm
Forum: Forum Issues and Administration
Topic: What [do the abbreviations used here] mean...???
Replies: 19
Views: 2430

Re: What does it all mean...???

The acronyms here are ridiculous. Just muddle through, ask questions, eventually it’ll make sense.
by j0nnyg1984
Sun Aug 04, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Received Significant Raises in Salary and getting Jealousy from Close Colleagues/Friends
Replies: 48
Views: 4495

Re: Received Significant Raises in Salary and getting Jealousy from Close Colleagues/Friends

Just cut those people out of your life. Eventually, the people around you will realize what’s happening and start to keep their mouths shut.

Or, hopefully they don’t, and you get to rid yourself of the negative people.
by j0nnyg1984
Sun Aug 04, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3061

Re: Gifts to Bring when Traveling Overseas

Stick to local California stuff. Almonds. Pistachios. There is a canned brand of olives that my mom goes freaking nuts for from her youth in SoCal, but maybe with Italy and Greece so close, olives wouldn’t be as big of a hit. Don’t bring American chocolate. Yuck. Wine would be awesome, and it’s real...
by j0nnyg1984
Sun Aug 04, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 8855

Re: Federal Employee Burn or Sick Leave

I think it is more of an ethical decision. Would you like to expound on this comment. There are are other threads here that discuss the disposition of sick time for federal employees as a part of retirement planning. Are you familiar with the details of how the system works? If so please share. If ...
by j0nnyg1984
Sat Aug 03, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: What is the official bogleheads home fire extinguisher?
Replies: 52
Views: 2488

Re: What is the official bogleheads home fire extinguisher?

I have Amerex in my house and truck.

I would never trust kidde or any of those other cheap POS plastic brands.
by j0nnyg1984
Sat Aug 03, 2019 11:00 am
Forum: Personal Investments
Topic: Car loan - Payoff or invest ?
Replies: 11
Views: 754

Re: Car loan - Payoff or invest ?

Always pay off / use cash imho.

I haven’t had consumer debt since ~2009 and don’t plan on it ever again. Paid off my mortgage earlier this year - no regrets.

There is more to life than trying to be a nerd in every situation, attempting to squeeze the last %.

“KISS” = truth
by j0nnyg1984
Sat Aug 03, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Etiquette regarding fence on my property (adverse possession)
Replies: 28
Views: 6006

Re: Etiquette regarding fence on my property (adverse possession)

I was reading along and didn’t even notice the original posts were from 2017.

It’s always nice to get an update! Thanks, and good work.
by j0nnyg1984
Sat Aug 03, 2019 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 6720

Re: Dept Outsourced - Job Worries - Need your Advises

Well, this doesn’t help you much, but just information for those to come after you - a home remodel doesn’t count as an emergency. Don’t use your EF for things like this. You have a year. stop your retirement contributions, build up as much cash as possible, and start looking for a new job. Most peo...
by j0nnyg1984
Fri Aug 02, 2019 4:51 am
Forum: Personal Investments
Topic: Pay off $17k student loan or max out 401k this year?
Replies: 48
Views: 3218

Re: Pay off $17k student loan or max out 401k this year?

RonSwanson1776 wrote:
Wed Jul 31, 2019 9:08 pm
If I were you I would contribute enough to get the match and then pay off the debt. Good luck!
Yep. This is what I would do, too.
by j0nnyg1984
Wed Jul 24, 2019 10:46 am
Forum: Personal Investments
Topic: HSA Bank & TD Ameritrade
Replies: 8
Views: 501

Re: HSA Bank & TD Ameritrade

I wish I could be of more help...it’s been a while, and I don’t really remember! I don’t recall it being super difficult, though.

I think I opened the TD account through the HSABank website. Then I set up automatic transfers, leaving only the required minimum of $100 in my HSA.
by j0nnyg1984
Wed Jul 24, 2019 10:41 am
Forum: Personal Investments
Topic: Have no problem managing my $5M portfolio - scared of my Dad's $120k
Replies: 45
Views: 3475

Re: Have no problem managing my $5M portfolio - scared of my Dad's $120k

On the flip side, if he can’t afford any risk, paying off the mortgage is the safest bet.

I think your dad is in a position where he can’t NOT afford to take risk. Unless he plans on working until he drops, he needs to save and invest everything possible.