Search found 453 matches

by j0nnyg1984
Sat Jan 12, 2019 11:31 am
Forum: Investing - Help with Personal Investments
Topic: CD at 2.70 APR - 1, 2 or 3 years?
Replies: 21
Views: 2577

Re: CD at 2.70 APR - 1, 2 or 3 years?

Tarkus wrote:
Fri Jan 11, 2019 1:09 pm
Why not hedge and split your investment into a 3 year ladder? Put 33% in the 1 year, 33% in the 2 year and 33% in the 3 year.
Seriously :oops:

How is this even a legitimate thread on these boards?
by j0nnyg1984
Thu Jan 03, 2019 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Market closes almost 700 points lower
Replies: 18
Views: 1676

Re: Market closes almost 700 points

Too bad I did my annual rebalance and IRA contribution yesterday :oops:
by j0nnyg1984
Mon Dec 24, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: French Press recommendations
Replies: 24
Views: 1404

Re: French Press recommendations

I have a freiling SS press that I bought after breaking 2 bodum presses. I still have a 3rd bodum that I use almost daily, because it’s bigger, but the lid / rod / filter stack is breaking down and I’ll eventually toss the whole thing.
by j0nnyg1984
Sat Dec 22, 2018 11:14 pm
Forum: Personal Consumer Issues
Topic: MoviePass Update
Replies: 16
Views: 1846

Re: MoviePass Update

squirm wrote:
Fri Dec 21, 2018 11:47 pm
I think I've gone to see one movie in the past two years.
I’ve only been to one in the last 5 years, and 2 in the last 6. I regretted going to both movies (hangover 3 and super troopers 2).
by j0nnyg1984
Sat Dec 22, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: London Neighborhood Recommendation
Replies: 37
Views: 2480

Re: London Neighborhood Recommendation

Stayed st the Hilton on park lane about two months ago. Location was awesome, which is why I picked it, directly between the green park and Hyde park tube stations, but the hotel and area were WAY too fancy. Next time I will definitely look for a more blue collar neighborhood. Maybe I’ll skip London...
by j0nnyg1984
Wed Dec 19, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Dealing with Plumber (Water Heater)
Replies: 22
Views: 2392

Re: Dealing with Plumber (Water Heater)

I am trying to figure out my best strategy going forward. Set a verbal price limit of $100 with any overages detailed in a written quote. Pretty straightforward, imho. Somewhat related - I spent close to $300 on a new timer / board mechanism, plus mobile service / installation, for my clothes washe...
by j0nnyg1984
Sat Dec 15, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle excess HSA contribution?
Replies: 5
Views: 469

Re: How to handle excess HSA contribution?

This happened to me last year. Had to fill out a form from HSA Bank - quite annoying dealing with them. Check was sent to me, I think I had to amend my tax return since I had already finished it.
by j0nnyg1984
Sun Dec 09, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4151

Re: Rental Car Damage Issue

Sorry, but this just isn't the case in my experience of flying roughly 110 - 140k miles a year for the last 6 years. The ONLY airports that I've had that experience is the tiny regional airport, when I'm returning before or after hours. At any major airport, the Avis employee always checks the vehi...
by j0nnyg1984
Sat Dec 08, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4151

Re: Rental Car Damage Issue

if there was no note of damage when your rental contract was closed, I'd tell them to stuff themselves. You have clear proof of rental return with no extras noted. At most airports, car rental return is a high volume operation that may or may not even check the fuel gauge. Fuel check and damage ass...
by j0nnyg1984
Sat Dec 08, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4151

Re: Rental Car Damage Issue

if there was no note of damage when your rental contract was closed, I'd tell them to stuff themselves. You have clear proof of rental return with no extras noted. I recently returned my Avis rental in Frankfurt. They immediately noticed a door ding that was not on my original contract, and even tho...
by j0nnyg1984
Thu Dec 06, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21020

Re: Best values at Costco? Honestly, a little disappointed...

Costco membership is worth it solely for the 2.5 pound bag of spinach for $4. Comparable spinach at Safeway is $5 / pound.
by j0nnyg1984
Wed Dec 05, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Protective LI vs RiverSource LI
Replies: 7
Views: 948

Re: Costco Protective LI vs RiverSource LI

if you're looking for life insurance, start and finish your search at:

www.term4sale.com

I've never heard anything bad about the site.
by j0nnyg1984
Sat Dec 01, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: "The Steak Dinner Annuity Pitch"
Replies: 68
Views: 7820

Re: (NY Times) We Went to a Steak Dinner Annuity Pitch

Does anyone know of a “master list” of these free meal meetings? I would love to take advantage of this :twisted:
by j0nnyg1984
Sat Dec 01, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2144

Re: Do I need to pay for a clean title to sell my car privately?

I just pulled out my title to take a look - bought in 2005, financed through BoA, but the original state of WA title came to me, solely in my name - no mention of a leinholder whatsoever.
by j0nnyg1984
Sat Dec 01, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2144

Re: Do I need to pay for a clean title to sell my car privately?

There’s no way I’d spend the $85 at this point. If you get to the point of selling the vehicle and the buyer requests it, sure, spend the money then, once the deal is done.
by j0nnyg1984
Sat Dec 01, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest $100k for HSBC premier account?
Replies: 21
Views: 1682

Re: Best way to invest $100k for HSBC premier account?

I’ve looked online for the last 15 minutes and have yet to find anything helpful. What are the benefits of having a premier account with HSBC? After initial account setup (both in US & Europe - which isn't exactly customer friendly), it is now the ease of being able to seamlessly move money from on...
by j0nnyg1984
Sat Dec 01, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 10810

Re: Why is Costco gas so much cheaper

Here in Vancouver WA, Costco generally runs about $0.05 cheaper than its closest competition which is Fred Meyer (a regional Grocery chain) and up to $0.70 cheaper than the assorted gas stations and mini-marts depending on location. The ones closest to highway interchanges with no competition seem ...
by j0nnyg1984
Sat Dec 01, 2018 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to invest $100k for HSBC premier account?
Replies: 21
Views: 1682

Re: Best way to invest $100k for HSBC premier account?

I’ve looked online for the last 15 minutes and have yet to find anything helpful.

What are the benefits of having a premier account with HSBC?
by j0nnyg1984
Sat Dec 01, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3526

Re: Ally CC Offer

Unfortunately for Ally, there is no reason to get their card considering citi double cash and fidelity cards. They should consider 2.5% cash back on everything if paid into an Ally bank account. The point is the $100 back on $500, not the ongoing. That's 20% cash back and then it gets retired. The ...
by j0nnyg1984
Sat Dec 01, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3526

Re: Ally CC Offer

Unfortunately for Ally, there is no reason to get their card considering citi double cash and fidelity cards. They should consider 2.5% cash back on everything if paid into an Ally bank account. The point is the $100 back on $500, not the ongoing. That's 20% cash back and then it gets retired. The ...
by j0nnyg1984
Thu Nov 29, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3445

Re: What would you do with $6,000 in gold and silver?

I fell into the silver market at around the same time. 2011-ish, started buying, I ended up with around ~500 ounces, plus some various gold coins. The money wasn't important to me then, and it still isn't important to me know, so I've put everything in a safe deposit box at the bank and let it sit. ...
by j0nnyg1984
Thu Nov 29, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Are CDs taxed each year or at maturity?
Replies: 15
Views: 2040

Re: Are CDs taxed each year or at maturity?

CDs of 1 year or less are taxable when paid, usually all at maturity even if that’s in the following tax year from when you opened it. Those over 1 year are taxed on accrued interest each year, as reported in your bank 1099-INT, even though you have received that interest. This is my experience as ...
by j0nnyg1984
Thu Nov 29, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: 7%, 7 month CD @ Great Lakes Credit Union
Replies: 7
Views: 1750

Re: 7%, 7 month CD @ Great Lakes Credit Union

More information I’ve found here: https://www.doctorofcredit.com/great-lakes-cu-7-00-apy-rate-on-up-to-7000-with-7-month-cd/ States that it requires a hard pull, which basically makes it a no-go for me :/ If someone contacts me, I’ll report back on what they say. Any other high interest promo deals ...
by j0nnyg1984
Thu Nov 29, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: 7%, 7 month CD @ Great Lakes Credit Union
Replies: 7
Views: 1750

7%, 7 month CD @ Great Lakes Credit Union

Did a search, didn’t see anything. Just heard about this today - seems like the offer is expiring tomorrow. I applied online and was told they couldn’t auto-approve my account and they needed more information. Probably because I have freezes on all agencies plus their system wouldn’t accept my pictu...
by j0nnyg1984
Mon Nov 26, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Student Debt
Replies: 11
Views: 993

Re: Student Debt

Until you’re married, it isn’t your debt, and you shouldn’t do anything drastic to pay it down for her.

130k of student loan debt for a 50k income sounds like a pretty bad deal.
by j0nnyg1984
Mon Nov 26, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: ride-sharing - just saying... [Check your insurance policy]
Replies: 20
Views: 2777

Re: ride-sharing - just saying...

I wonder how many ride-sharing drivers and passengers realize that driver's insurance policy may SPECIFICALLY exclude all and any liability and property damage arising from ride-sharing activities? What are you talking about? When an Uber or Lyft driver is riding you in their car, there is an Uber ...
by j0nnyg1984
Sat Nov 10, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7573

Re: Too many choices for my next TRUCK

On two occasions I have had to pull a staff members Honda Ridgeline from our employee parking lot due to snow - I was in a Chevy 1500 at the time. This is probably more of a tire issue than a vehicle one. IDK - the Ridgeline was less than a year old at the time. Seemed to do fine on plowed roads bu...
by j0nnyg1984
Sat Nov 10, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 7573

Re: Too many choices for my next TRUCK

I have a 2005 Silverado with 198k; it's been an amazingly fantastic truck. If I had to replace it today, I'd go with: 1. F150 2. F150 3. F150 4. F150 I think you get the point...Titan / Silverado would get looked at, but they would have to be substantially cheaper than the F150 to provide any real c...
by j0nnyg1984
Sat Nov 10, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4125

Re: tipping for grocery delivery

I've ordered a couple of times from Safeway home delivery. Their site prominently says that their drivers don't accept tips, so I haven't tipped them yet. I live in a multi-story condo building with an elevator. offtopic, but I agree with others in this thread. Tipping in this country is out of cont...
by j0nnyg1984
Sat Sep 22, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Online Savings Accounts
Replies: 14
Views: 1759

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: 77
Views: 9060

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: 2055

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: 7355

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: 22331

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: 757

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: 2472

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: 59
Views: 6560

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: 577

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: 401

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: 401

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: 2314

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: 7835

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: 2314

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: 66
Views: 8730

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: 48
Views: 4175

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: 6268

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: 10171

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: 2161

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: 1006

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.