Search found 423 matches

by j0nnyg1984
Sat Sep 22, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Online Savings Accounts
Replies: 8
Views: 846

Re: Online Savings Accounts

My major savings and CD’s are at Cap1 360. My “local” bank is BoA, but I only keep 200-300 in that account. So, yes, you’re correct, if I immediately need more than whatever is in my BoA account, I’m kinda screwed. Edit: oh, and to answer your question, yes I could have a debit card on my cap1 accou...
by j0nnyg1984
Sat Sep 08, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 69
Views: 7758

Re: Bose Noise Cancelling Headphones

Had QC25's; loved them.

Currently have QC35's; LOVE them.

130k+ flight miles a year plus frequent use for phone calls in the office. They get a lot of use! $350 well spent.
by j0nnyg1984
Sat Sep 08, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Hilton Honors
Replies: 15
Views: 1958

Re: Hilton Honors

Sitting in an HGI at the moment. HH diamond member for the last ~5 years. Executive lounge access is nice, free breakfast and the best internet speed is great. People call delta's points "skypesos," but the Hilton points are horrible. So easy to earn...huge credit card signup bonuses are always avai...
by j0nnyg1984
Tue Sep 04, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6913

Re: Daily Driver (Car) Over 100K Miles?

2005 Silverado with 197k. I do all of my own maintenance which really stretches the buck and allows me to keep a vehicle to its full potential. I have no plans of getting rid of this beast. I just did a ton of work on it and it's running better than ever. I need a new O2 sensor and / or catalytic co...
by j0nnyg1984
Sun Sep 02, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21672

Re: Decent compensation to move to Bay Area CA?

There is not enough compensation in the world to persuade me to move to the SF area.

Great place to visit, though.
by j0nnyg1984
Sun Sep 02, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: furnace came on even with thermostat off
Replies: 5
Views: 731

Re: furnace came on even with thermostat off

I'm assuming you live in a house, so my information may not be relevant to you. I live in a condo, and after installing a Honeywell wifi thermostat, I noticed that my heat pump was running intermittently for 5-10 minutes at a time. It did this regardless of system setting; I even removed the thermos...
by j0nnyg1984
Sun Sep 02, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Crazy Rich Asian -> Movie
Replies: 16
Views: 2362

Re: Crazy Rich Asian -> Movie

It looks stupid, like most new movies.
by j0nnyg1984
Sun Sep 02, 2018 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: BofA/Merrill Edge or Chase Sapphire Banking/CPC?
Replies: 43
Views: 4075

Re: BofA/Merrill Edge or Chase Sapphire Banking/CPC?

Why do you people care so much about having no access to vanguard mutual funds? Every fund that a boglehead should need is available in ETF form which has always been as cheap, ER-wise, as the admiral share would have been.

I've been extremely happy at BoA. Their offering is fantastic.
by j0nnyg1984
Fri Aug 31, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Bank/Brokerage Waiving High Annual Fee on Credit Card
Replies: 5
Views: 542

Re: Bank/Brokerage Waiving High Annual Fee on Credit Card

Feel free to be the guinea pig :)

I doubt it will work, but appreciate the data point.
by j0nnyg1984
Sat Aug 25, 2018 2:28 am
Forum: Investing - Help with Personal Investments
Topic: HSABANK self directed account at TDA - availability of stable value fund?
Replies: 5
Views: 367

Re: HSABANK self directed account at TDA - availability of stable value fund?

aristotelian wrote:
Fri Aug 24, 2018 6:00 pm
I have a portion of mine in SPTS Short Term Treasury index. Another alternative would be buying CDs through their brokerage platform.
Double thanks. I'll look into that fund.

I also appreciate you for being the only person who's provided the information I asked for. :happy
by j0nnyg1984
Fri Aug 24, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: HSABANK self directed account at TDA - availability of stable value fund?
Replies: 5
Views: 367

HSABANK self directed account at TDA - availability of stable value fund?

Hi all, I just got my TD Ameritrade self directed account setup via HSA Bank. I have about 15k I will move into the TDA account. I consider this part of my bond allocation, so I'd like to find a stable value fund to park the money in. If that isn't available, some other lower risk bond fund. Can any...
by j0nnyg1984
Sat Aug 18, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2168

Re: oil pan threads stripped - pan saver okay?

Wow, replacing the pan for this seems way overkill. I mean, it's just a threaded hole... I would look at using something like a helicoil, an insert made for repairing stripped threads. Probably something you can do if you do home DIY, but something a garage should be able to do as well for much les...
by j0nnyg1984
Sat Aug 18, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7623

Re: Reckless driving ticket in VA-Help!

I've heard many tales of the famed reckless driving tickets in Virginia. I've only been there twice, thankfully, but I declined to drive both times. Uber / Lyft is cheaper than dealing with a corrupt system.

Get a lawyer and settle in.
by j0nnyg1984
Sat Aug 18, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 2168

Re: oil pan threads stripped - pan saver okay?

Wow, replacing the pan for this seems way overkill. I mean, it's just a threaded hole... I would look at using something like a helicoil, an insert made for repairing stripped threads. Probably something you can do if you do home DIY, but something a garage should be able to do as well for much les...
by j0nnyg1984
Sat Aug 18, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 57
Views: 6627

Re: Credit Card Fraud - $30K

Surprise to me you monitor your credit score more frequently than your account. Don’t you check all your accounts monthly? Seems main impact to credit would come after non-payment and may result in contacting credit company later than their requirements for fraud alert. I have many unused credit ca...
by j0nnyg1984
Fri Aug 17, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2207

Re: Tipping lawn service and trash pickup

no way. Tipping culture is out of control. I won't do anything to reinforce this bad entitlement.
by j0nnyg1984
Fri Aug 17, 2018 1:04 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6150

Re: Terminating an employee with company car

Update: I got up early and came to the office at 6:45am. I boxed his personal belongings up. I texted my other employees and told them they could come in a little later. At 8am, he came in and we talked before he had time to go to his desk. It was a short conversation, not hostile. I allowed him to...
by j0nnyg1984
Wed Jul 25, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9807

Re: Dealing with HOA Notice

My point is this....if a notice says "do [something] or you will be fined," then my response is to ignore it. If I get fined, so be it, but odds are nobody will follow-up. I'm not suggesting that someone ignore multiple communications, fines, etc. But there's no reason to act on the first one. Gues...
by j0nnyg1984
Sat Jul 21, 2018 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2060

Re: Capital One offerings 2.30% on CDs - Should I?

are their any drawbacks to investing in CDs with your bank? Two main drawbacks: 1. You may want the money prior to maturity. You would have to pay a penalty for early withdrawal. 2. If you are not careful, it could renew for another year automatically. Not only that, the renewal rate might be very ...
by j0nnyg1984
Sat Jul 21, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Premiums on Credit Card
Replies: 12
Views: 937

Re: Life Insurance Premiums on Credit Card

I do not have life insurance, but my home, auto, and umbrella policies are all through State Farm, and I pay them all online with my credit card.

I probably wouldn't do business with a company which wouldn't accept CC.
by j0nnyg1984
Sat Jul 21, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2060

Re: Capital One offerings 2.30% on CDs - Should I?

are their any drawbacks to investing in CDs with your bank? Two main drawbacks: 1. You may want the money prior to maturity. You would have to pay a penalty for early withdrawal. 2. If you are not careful, it could renew for another year automatically. Not only that, the renewal rate might be very ...
by j0nnyg1984
Sat Jul 21, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Capital One offerings 2.30% on CDs - Should I?
Replies: 18
Views: 2060

Re: Capital One offerings 2.30% on CDs - Should I?

I have multiple CD's with cap 1, including two 1 year CD's, so yeah, I'd recommend it if it fits into your plans.
by j0nnyg1984
Thu Jul 19, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3903

Re: 35 minute connection for flight, long enough?

I do 35 - 45 minute connections all of the time, but I'm a pretty experienced weekly traveler, and I'm almost always sitting in first class. On those flights where I know I have a short connection, I will always sit as close to the front as possible. For someone inexperienced with travel, sitting in...
by j0nnyg1984
Thu Jul 19, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5803

Re: Where do you keep your Emergency Fund?

25k in a 1.75% money market

10k in a 1 year 2.3% CD, brand new
55k in a 1 year 2.1% CD, 6 months old
35k in a 5 year 2.2% CD, 3 years old


I should have laddered things better :oops:
by j0nnyg1984
Thu Jul 19, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 9096

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

You'll have to take care to manage the tax hit, but yes, I would definitely get out of it and into something like VTSAX.

Why would you "buy your brother out?" Let him manage his half as he wishes.
by j0nnyg1984
Sun Jul 15, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 39
Views: 5143

Re: Denied for an auto loan 2 weeks after purchase??

I have heard dealers use this as a ploy to bump the interest rate. Get you into the car for a few days and you "love it". Then come back with the denial and change the terms. As iridium says the loan is first with the dealer. If they can bump the rate maybe the spread between the dealer & the bank ...
by j0nnyg1984
Wed Jul 11, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Financial adviser in Portland metro area
Replies: 11
Views: 1115

Re: Financial adviser in Portland metro area

I just found this person online and will call for an interview type of meeting. He is both a CPA and a CFP and will write up a plan for $250 per hour. http://pdxadvisors.com/services/financial-planning I need tax advice, but I also need someone who knows about Roth conversions, RMDs, ACA surtax, Me...
by j0nnyg1984
Mon Jul 09, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 1991

Re: Investing cash into Vanguard target retirement fund

It looks like VTTSX should be available to all vanguard customers, from my quick google search. It is a great fund for you until you reach the level of assets necessary to purchase the individual underlying funds in Admiral class, which will reduce your fund expenses substantially. Unless you have a...
by j0nnyg1984
Mon Jul 09, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Financial adviser in Portland metro area
Replies: 11
Views: 1115

Re: Financial adviser in Portland metro area

There aren't any good planners around here as far as i can tell. I looked a few years ago for advise for my parents, it was all worthless, all wanted to be AUM, and the one person who would provide a sample plan just recommended the same 20 or 30 high cost funds that every new EJ-ish advisor does. A...
by j0nnyg1984
Mon Jul 09, 2018 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 6240

Re: Any Dry Powder Strategies?

What a cornball term. I've only ever heard it on prepper and silver stackers forums.

My strategy for my cash is to leave it in cash.
by j0nnyg1984
Sat Jul 07, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Wired/Wireless Headphones with Mic
Replies: 8
Views: 831

Re: Wired/Wireless Headphones with Mic

my bose QC35 are amazing, but I don't think you need to spend $350 for a set of cans to watch tv and make calls.

Why do you need noise cancelling?
by j0nnyg1984
Sun Jun 17, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 6366

Re: Has Anyone Tried Youtube TV?

My brother has it and loves it. Watched all of the NBA playoffs and said he didn't have any major buffering or quality issues.
by j0nnyg1984
Thu Jun 14, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 10261

Re: At what point to buy new car for safety

Never. I'd prefer to drive a model-t over one of the piece of crap electronic riddled cars of this generation. Good luck surviving an accident in your Model T, when getting hit by one of the "this generation" cars you reference. God, you're so right. It's amazing that I've made it 30-something year...
by j0nnyg1984
Thu Jun 14, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 10261

Re: At what point to buy new car for safety

Never. I'd prefer to drive a model-t over one of the piece of crap electronic riddled cars of this generation. I think not all but some of the tech is neat and definitely helpful. Didn't a bunch of people feel seat belts and air bags made cars more dangerous when they first came out? Maybe some sti...
by j0nnyg1984
Wed Jun 13, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 95
Views: 10261

Re: At what point to buy new car for safety

Never.

I'd prefer to drive a model-t over one of the piece of crap electronic riddled cars of this generation.
by j0nnyg1984
Mon Jun 04, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 44
Views: 7825

Re: Flight cancelled. Entitle to any compensation?

AA recently changed a 6 hour trip into a 20 hour ordeal. After getting stymied by the first two “customer service” reps on the phone, I filled out the survey they sent via e-mail and also wrote a detailed complaint. I’m told that social media works even better for prompting a response. I ultimately...
by j0nnyg1984
Sat Jun 02, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Laptop privacy screen covers - recommendations ?
Replies: 8
Views: 396

Laptop privacy screen covers - recommendations ?

I'm not sure why this has taken me so long to look into, but I fly almost weekly for work, last year about 140k miles, spend a lot of time in the lounges, etc.

I'm interested in a privacy screen cover for my laptop, but it should be easily removable. Any suggestions? Laptop is currently a 14" HP.
by j0nnyg1984
Fri Jun 01, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Energy Industry [looking for website to discuss]
Replies: 23
Views: 1761

Re: Energy Industry

I'm sure rigzone is still around.
by j0nnyg1984
Fri Jun 01, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 46170

Re: Name something you had to have and now you regret purchasing it?

G30. Should've put the ~$600 into a WWII original 1911 like I really want. Or, an old Colt detective special like I want right now.
by j0nnyg1984
Fri Jun 01, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18255

Re: Top Shelf Liquor Overrated?

Once a brand becomes "the latest and the greatest" the quality is sure to suffer. A recent example in my experience is Angel's Envy bourbon, which is aged in port wine barrels. I received a bottle as a gift a few years ago and found it to be a pleasant bourbon to drink neat. According to my local l...
by j0nnyg1984
Mon May 28, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever overpaid your federal income tax bill?
Replies: 17
Views: 1621

Re: Have you ever overpaid your federal income tax bill?

Lots of people deliberately overpay their federal taxes in order to purchase paper savings bonds with the refund.
by j0nnyg1984
Mon May 28, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: When and how often do you rebalance
Replies: 52
Views: 4181

Re: When and how often do you rebalance

I rebalance within the first few days of the year. I check my balances and get my worksheets filled out on the 1st, make whatever trades are necessary, and finish the rebalance with my rIRA contribution as soon as business resumes. I don't even look at the market, or my accounts, for the rest of the...
by j0nnyg1984
Mon May 28, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index vs 500 Index
Replies: 18
Views: 4038

Re: Vanguard Total Stock Market Index vs 500 Index

I use VTSAX where I have the choice (tIRA, taxable) and VFINX where I don't have a choice (401k). No regrets either way.
by j0nnyg1984
Sat May 19, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Good time to buy a house or wait it out
Replies: 21
Views: 2282

Re: Good time to buy a house or wait it out

I wouldn't buy today, and I'm very seriously considering selling my condo that I bought at the end of 2014. I'm sitting on just over 100k, patiently waiting for the market to implode. If it does, I buy a house somewhere. If it doesn't, I pay off my condo and continue with life. My deadline is the en...
by j0nnyg1984
Sat May 19, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1843

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

your situation doesn't sound very specific or special, tbh.

my general rule of thumb:
  • 401k (or equivalent) to match
  • HSA to max
  • IRA to max
  • 401k (or equivalent) to max
Since you don't get a match, I would skip the 403b until the other two buckets are full.
by j0nnyg1984
Tue May 01, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 69
Views: 11318

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

I cracked mine a few weeks ago, added another 10k, and locked it up into a Capital One 12 month CD paying 2.1%. I really didn't want to lock up the money for a year, but it's only a 3 month penalty if for some reason I needed that money.
by j0nnyg1984
Sat Apr 28, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 362
Views: 47062

Re: MoviePass-Too good to be true, but it's legit.

My son has a MoviePass and loves it. It's also an easy decision for the theaters. It's like a casino comping a room. It's already built, so any further use is pure profit. And they make the real money on the concessions. That is no joke. we went to the movies Friday for the first time in years - I ...
by j0nnyg1984
Mon Apr 16, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: New State Department FCU 2% cash back credit card
Replies: 5
Views: 502

Re: New State Department FCU 2% cash back credit card

$200 isn't enough to burn a hard pull unless someone has already worked through all of the "good" cards from the major banks.
by j0nnyg1984
Sun Apr 15, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3379

Re: Recommend airline luggage fitting in overhead bin?

Leave it to the boglehead forums to take a simple question and complicate it to the nth degree. First of all: you don't want a four wheel spinner. They are junk, and the wheels are garbage. Sorry, but I can't give you info about those, as I don't use them. I have, and would recommend, Eagle Creek. I...
by j0nnyg1984
Sat Apr 14, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 211
Views: 14231

Re: How Far is too Far, Commuting?

I fly for every job, so...

But, back when I had a "local" job that I drove to daily, it was 15-45 minutes depending on traffic. I wouldn't do any longer than that, period. And that's pushing it.