Search found 670 matches

by j0nnyg1984
Sat May 23, 2020 4:14 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 65
Views: 4826

Re: Is Vanguard's Personal Advisor Service Worth It???

I have my parents using PAS and I have been impressed with it every time. My parents ask me to participate in the calls they have with their advisor because they know I can wade through any BS, but there has been nothing with Vanguard that I haven't agreed with. I have my parents ~1mm IRAs in TR201...
by j0nnyg1984
Sat May 23, 2020 4:11 pm
Forum: Personal Investments
Topic: Vanguard website not allowing 2019 IRA contribution
Replies: 4
Views: 520

Re: Vanguard website not allowing 2019 IRA contribution

Regardless, I’m confused - did they extend the contribution date? Did it move with the extended tax filing date?
by j0nnyg1984
Sat May 23, 2020 4:00 pm
Forum: Personal Investments
Topic: Health Savings Account (HSA) investments
Replies: 10
Views: 932

Re: Health Savings Account (HSA) investments

Mine is invested 100% VTI. Everything in this account will be used for qualified medical expenses, so why not take the most risk?
by j0nnyg1984
Wed May 20, 2020 11:21 am
Forum: Personal Investments
Topic: Where to put my Savings/EF?
Replies: 9
Views: 794

Re: Where to put my Savings/EF?

Put it in the highest interest savings account you can find or utilize a no-fee cd at Ally or elsewhere.

I wouldn’t put it anywhere near Vanguard. I wouldn’t want the temptation of putting the money into the market the next time it drops and I think it’s a good value.
by j0nnyg1984
Wed May 20, 2020 11:16 am
Forum: Personal Investments
Topic: $15,000 bonus
Replies: 20
Views: 2741

Re: $15,000 bonus

You should do Roth’s because your retirement comes first.

Don’t plan on taking money out of it for education, either. It isn’t a savings account, it’s a retirement account. Come up with the money for the 529 from somewhere else.
by j0nnyg1984
Sat May 16, 2020 12:16 pm
Forum: Personal Investments
Topic: Thoughts of using Ticket MINT for emergency fund.
Replies: 7
Views: 637

Re: Thoughts of using Ticket MINT for emergency fund.

I’m chasing bank account bonuses with my EF. Simple way to make a decent rate. Currently have 25k in the Ally bonus cd deal, and I’ll be looking for another offer with a 35k cd that is maturing next month.

I want no risk on my EF.
by j0nnyg1984
Fri May 15, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance cash out to pay off student loan?
Replies: 11
Views: 693

Re: Refinance cash out to pay off student loan?

There’s no way I would do this. Student loans can be forgiven due to various circumstances - your mortgage will never be. And, you want to go UP in interest rate?!?

No. Focus on paying off the student loans ASAP.
by j0nnyg1984
Fri May 15, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Email from Vanguard [for a Retail Investor Group consultation]
Replies: 33
Views: 3412

Re: Email from Vanguard

Assuming you weren't already searching for professional financial advice, I'm wondering why you would agree to speak to them. Nothing wrong with doing so, of course, but don't you ignore most advertising e-mails and phone calls, even if they're from businesses that you have a pre-existing relations...
by j0nnyg1984
Mon May 04, 2020 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Keep debit card locked at all times?
Replies: 36
Views: 2729

Re: Keep debit card locked at all times?

I don’t keep any money in the checking account and I don’t have any line of credit / overdraft protection. Anyone who skimmed my debit card would get nothing.

I made sure that my HSA Bank and Capital One debit cards were cancelled.
by j0nnyg1984
Wed Apr 22, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5760

Re: Exit Interview

There is zero benefit for the former employee to participate in an exit interview. I have never done one, and unless there is a financial incentive to do so, I never will.

Decline their offer and move on with your new company.
by j0nnyg1984
Wed Apr 22, 2020 8:41 pm
Forum: Personal Investments
Topic: Indexed Universal Life Insurance
Replies: 15
Views: 604

Re: Indexed Universal Life Insurance is it worth it in my situation?

Just cancel it and use a search site like www.term4sale.com.
by j0nnyg1984
Sun Apr 19, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: Space X satellites in the sky
Replies: 16
Views: 1575

Re: Space X satellites in the sky

Not sure where you’re getting your information, but there was no SpaceX launch yesterday.


The next Starlink mission is scheduled for April 23rd.
by j0nnyg1984
Mon Apr 13, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Received First Extra $600 Unemployment Payment
Replies: 3
Views: 1115

Re: Received First Extra $600 Unemployment Payment

And isn’t it supposed to be backdated, so you should also be seeing a lump sum? I’m working with my mom on this. WA State denied her claim (set the benefit amount to $0) because she worked part time. She’s been competing the weekly application because everything I can read says that she will get the...
by j0nnyg1984
Sun Apr 12, 2020 12:05 pm
Forum: Personal Investments
Topic: How much cash is too much cash?
Replies: 73
Views: 8946

Re: How much cash is too much cash?

For me personally? I maxed out 401k / rIRA / HSA then threw everything at the mortgage until it was paid off. Since then, I haven’t changed anything, so I’m basically stockpiling cash. I don’t want to invest more money in the market, I feel that my ~$28k a year into retirement is enough. Having a to...
by j0nnyg1984
Sun Apr 05, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

Like other said, budsgunshop is the best price out there. Everyone else is way more expensive especially local shops. Just find a local Ffl and pay the $50 or whatever they charge and you’re still ahead. Who is Bud’s going to ship that gun to when your local shop goes out of business because you on...
by j0nnyg1984
Sun Apr 05, 2020 12:06 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

You can save some money by purchasing a used weapon, also. The majority of my firearms were used when I bought them. Don't purchase cheap firearms. But buying a used firearm made by a major brand can save you money without sacrificing quality. Firearms are often not heavily used before being sold. ...
by j0nnyg1984
Fri Apr 03, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 73
Views: 6027

Re: Online / Gun Dealer Recommendations

Whatever you decide, PLEASE do not patronize Cheaper Than Dirt. They are scum which massively inflate their prices during times like these. Price gouging, plain and simple. My local gun shop has not increased their pricing one bit. I continue to support them. You need to test handle and fire any pis...
by j0nnyg1984
Sat Mar 28, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What to do with my cars during Corona Lockdown

Modern cars can sit for months and startup no issues..... I do agree maybe go for a drive to nowhere and back just to get out. Sorry, have to disagree. New cars have so much technology now that batteries are being drained just sitting there. I have friends who have taken in new cars and were told i...
by j0nnyg1984
Fri Mar 27, 2020 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12676

Re: How are you going to use your stimulus money?

It’ll go straight into my savings account.
by j0nnyg1984
Tue Mar 24, 2020 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 4217

Re: What credit card are you using that is not Citi 2% cashback?

Same cards as always BoA cash rewards: 5.25% on gas, 4.5% on grocery BoA premium rewards: 3.5% on travel and restaurants, 2.625% on everything else. Fantastic combo. Same here, though I'm not sure how you're getting 4.5% on groceries, I think it's 1.75% x 2% = 3.5% on groceries. I also use the amex...
by j0nnyg1984
Tue Mar 24, 2020 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 4217

Re: What credit card are you using that is not Citi 2% cashback?

Same cards as always

BoA cash rewards: 5.25% on gas, 3.5% on grocery
BoA premium rewards: 3.5% on travel and restaurants, 2.625% on everything else.

Fantastic combo.
by j0nnyg1984
Sun Mar 22, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

A reminder that today (Fri 3/20) is the last day to sign up Why are you writing this when the Ally website clearly says March 23? The OP has been thinking the deadline is 20th all along :oops: It’s possible that Ally changed the date, but highly unlikely that they did it on Friday...I checked the w...
by j0nnyg1984
Sun Mar 22, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

02nz wrote:
Fri Mar 20, 2020 3:11 pm
A reminder that today (Fri 3/20) is the last day to sign up
Why are you writing this when the Ally website clearly says March 23?
by j0nnyg1984
Sat Mar 21, 2020 6:27 pm
Forum: Personal Consumer Issues
Topic: PSA Census "origins" question
Replies: 31
Views: 1515

Re: PSA Census "origins" question

You could skip the census and take your chances. According to the American Bar Association ... By census law, refusal to answer all or part of the census carries a $100 fine. The penalty goes up to $500 for giving false answers. In 1976, Congress eliminated both the possibility of a 60-day prison s...
by j0nnyg1984
Sat Mar 21, 2020 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

Nice find. I appreciate the free ~$188. :greedy
by j0nnyg1984
Sat Mar 21, 2020 4:06 pm
Forum: Personal Investments
Topic: A thank you to the “pay down the mortgage” folks...
Replies: 31
Views: 3378

Re: A thank you to the “pay down the mortgage” folks...

I paid mine off last year and never second guessed myself. It was a small mortgage, $125k, on a small condo, $165k (now ~$330k), so paying it off didn’t do much for my monthly “cash flow,” but I love the fact that it’s gone. While everyone else is in a state of panic, I’m sitting here stress free.
by j0nnyg1984
Sat Mar 14, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Planned to pay off debt, now wondering if liquidity is more important.
Replies: 37
Views: 3220

Re: Planned to pay off debt, now wondering if liquidity is more important.

Pay off all of the debt today.

Get rid of your credit cards since you self admittedly can’t control your spending.

create a budget and stick to it.
by j0nnyg1984
Sat Feb 29, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Credit Card Cash Back for Paying Taxes
Replies: 1
Views: 321

Re: Maximizing Credit Card Cash Back for Paying Taxes

2.625% on all other purchases (such as this) with the BoA premium rewards card and the top tier status.

Not hard to find the info on that. Make sure it’s worth it to you - take advantage of all of the benefits.
by j0nnyg1984
Fri Feb 21, 2020 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 8251

Re: How quickly did you receive your 2019 tax refund?

02-09: e-filed
02-20: refund deposited
by j0nnyg1984
Fri Feb 21, 2020 9:30 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9845

Re: Has Vanguard deteriorated?

I wouldn't say they've deteriorated. It's more that they are resting on their laurels while the competition has gotten better, to the point that you can do better elsewhere in my opinion. This hits the nail right on the head. I was happy at vanguard. I’ve been happy at Merrill edge for the last ~5 ...
by j0nnyg1984
Sun Feb 02, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing Question on 2019 IRS Tax Form [Bitcoin]
Replies: 59
Views: 3909

Re: Disturbing Question on 2019 IRS Tax Form

Sounds like none of their damn business, just like other “cash” purchases. If asked, would you disclose all of your precious metals, firearms, etc.? I know I wouldn’t. I don’t think I would outright lie on the form, but I’d definitely leave it blank, if possible, or figure out a different way to fil...
by j0nnyg1984
Mon Dec 16, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89758

Re: Flaunt Your High-Mileage Car

I bought my CPO 2005 Silverado in late 2005 for $18k with 6k miles on it. 11 years later, 183k on the odo, still running strong. Had a front wheel hub and a seat belt retractor replaced under warranty, the fuel pump replaced many years ago (the only thing that's ever left me stranded), gone through...
by j0nnyg1984
Sat Dec 14, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Give out IRA acct. No.?
Replies: 19
Views: 1153

Re: Give out IRA acct. No.?

When I got my non-conventional mortgage, the lender required that I showed assets, including my tIRA. I shared my last quarterly statement and I didn’t black out any information.
by j0nnyg1984
Sat Dec 14, 2019 1:47 pm
Forum: Personal Investments
Topic: Spend HSA or save it?
Replies: 60
Views: 4991

Re: Spend HSA or save it?

At 38, I max my IRA, max my 401k, max my HSA, and have never pulled funds out. $50 or $500 or even $5000 (had meniscus surgery last year) is meaningless today - in 20-30 years, that 5k will be a lot more, and I will have a lot of medical expenses to utilize that money. There is absolutely no reason ...
by j0nnyg1984
Fri Dec 13, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Which iPad would you buy today?
Replies: 40
Views: 2567

Re: Which iPad would you buy today?

Go to www.macrumors.com - Buyer's Guide - right now they're suggesting the entry level $399 iPad - became it came available for sale Sept. 2019. As you know, Apple only supports these devices for a certain number of years from the "date it became available" for sale ... and NOT the "date you buy it...
by j0nnyg1984
Fri Dec 13, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: In search of a dishwasher that dries plastics well...
Replies: 80
Views: 4756

Re: In search of a dishwasher that dries plastics well...

We are a family of three and we recently gave up on using the dishwasher. We wash it all by hand. It is surprisingly easy and less headache than our dishwasher. I always felt we wasted so much time loading/running/unloading the dishwasher. Washing by hand is more direct and we feel happy the kitche...
by j0nnyg1984
Fri Dec 13, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88430

Re: Found hidden safe, should we crack?

gips wrote:
Fri Dec 13, 2019 7:07 am
I’ll continue to update this thread with our progress. Happy holidays to all!

Best,
Please, don’t update the thread again unless the safe has been opened. I have enough things in my life that waste my time.
by j0nnyg1984
Thu Dec 12, 2019 5:09 pm
Forum: Personal Investments
Topic: Pay off car loans or not?
Replies: 33
Views: 2475

Re: Pay off car loans or not?

I would pay the cars off immediately. I don’t understand why you’d purchase a house when the budget is already tight due to those auto loans.

Get out of debt before buying the house.
by j0nnyg1984
Tue Dec 10, 2019 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Converting a tIRA to rIRA
Replies: 4
Views: 371

Re: Converting a tIRA to rIRA

Hi again. I was going to link to my previous threads, but can't figure out how to even find them on this forum :oops Click on your user name in the upper right and select “user profile”. Then click on “search user’s posts” to see all your past threads/posts. I got that far, but unless I’m missing s...
by j0nnyg1984
Tue Dec 10, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Converting a tIRA to rIRA
Replies: 4
Views: 371

Converting a tIRA to rIRA

Hi again. I was going to link to my previous threads, but can't figure out how to even find them on this forum :oops: My dad passed earlier this year. Mom assumed everything, including ~900k in a traditional IRA. The RMD's will be huge when she gets of age, so I figured the best thing to do would be...
by j0nnyg1984
Sun Nov 17, 2019 12:45 pm
Forum: Personal Investments
Topic: How to sell my Aunts shopping plaza?
Replies: 29
Views: 3908

Re: How to sell my Aunts shopping plaza?

Can you get me some good bourbon while she still has the shop? :wink:
by j0nnyg1984
Mon Nov 11, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Question for Car experts - how urgent/important are these maintenance items
Replies: 36
Views: 3735

Re: Question for Car experts - how urgent/important are these maintenance items

Funny thread. When I bought my 2005 Silverado (in 2005), the first thing I did was dump the “long life” GM coolant (I think it was orange?) and went to the standard green stuff. I had heard nothing but bad information about the long life stuff gumming up systems. 14 years and 200k miles later, I thi...
by j0nnyg1984
Fri Nov 08, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: New Bosch dishwasher already faulted
Replies: 22
Views: 2686

Re: New Bosch dishwasher already faulted

I ripped my dishwasher out earlier this year during my remodel. 38 years old and I’ve turned on a dishwasher a total of two times. I installed all new Kitchenaid appliances - aside from a bent panel (that was fixed under warranty immediately), I haven’t had any issues. I definitely wouldn’t put up w...
by j0nnyg1984
Thu Oct 31, 2019 10:45 am
Forum: Personal Investments
Topic: Question about my 401k - what do these categories mean?
Replies: 5
Views: 512

Re: Question about my 401k - what do these categories mean?

I contribute the max to my traditional 401k. A few years ago while adjusting my deferral percentage, I inadvertently changed to a Roth 401k - after a couple of months I noticed and changed it back. I don't understand what the "qualified" balances mean. This is what I'd appreciate help with! Thanks,...
by j0nnyg1984
Thu Oct 31, 2019 9:49 am
Forum: Personal Investments
Topic: Question about my 401k - what do these categories mean?
Replies: 5
Views: 512

Question about my 401k - what do these categories mean?

I contribute the max to my traditional 401k. A few years ago while adjusting my deferral percentage, I inadvertently changed to a Roth 401k - after a couple of months I noticed and changed it back. I don't understand what the "qualified" balances mean. This is what I'd appreciate help with! Thanks, ...
by j0nnyg1984
Thu Oct 10, 2019 5:27 am
Forum: Personal Consumer Issues
Topic: Hotel mini bar - rude to use for own stuff
Replies: 42
Views: 6690

Re: Hotel mini bar - rude to use for own stuff

The last place i stayed that had a stocked minibar (Hilton Amsterdam Airport) had a note stating that the fridge was for their items only, not to put any personal items inside.

I put two bottles of water inside anyways, and no additional charges were levied.
by j0nnyg1984
Sun Sep 29, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 22324

Re: Capital One 360 shaking up savings accounts

Wow, I didn’t know about these changes either, and I was just in my account Friday transferring money. Crazy :oops: Been with Orange / ING for a long time. Been thinking about moving for a while now, but they mail a check to my HOA monthly and it’s always worked flawlessly, so I’ve been reluctant to...
by j0nnyg1984
Sun Sep 29, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Extended warranty transfer dispute with private truck seller
Replies: 36
Views: 2204

Re: Extended warranty transfer dispute with private truck seller

runner3081 wrote:
Thu Sep 26, 2019 10:28 pm
LoveTheBogle wrote:
Thu Sep 26, 2019 10:18 pm
What would you do?
Do my due diligence prior to wiring the guy my money.
YUP.

Sorry, TS, but you’re not going to get anything out of this. Just learn the lesson and leave it be.