Search found 539 matches

by N10sive
Tue Jun 19, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 3823

Re: Do you think it is smart to disclose that you have passive investments to other people?

Instead of owning passive investments etc. for example I would much rather have my doctor(example) be a part of an advisory board for say a sports team, technical writer at conferences, etc. Something that would be part of their field, not being a real estate mogul. This is like my last CEO. He was ...
by N10sive
Tue Jun 05, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1291

Re: storing backpack in Seattle

Seattle does have limebike, oso, etc littered everywhere downtown/slu/etc. Though they are not the greatest to ride long distances and up the hills in Seattle on. However if you aren't a member you could probably get away with these bikes a lot cheaper than renting from a shop and wouldn't have to w...
by N10sive
Tue Jun 05, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Flight cancelled. Entitle to any compensation?
Replies: 32
Views: 4588

Re: Flight cancelled. Entitle to any compensation?

If it was related to weather then they aren't required to compensate you. If it was due to their error than they should. Recently I was on a southwest flight that was delayed 3 hours, luckily my connecting flight was delayed enough that I made it home at a decent hour. Southwest still gave me a flig...
by N10sive
Tue Jun 05, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Beginner retirement portfolio question.
Replies: 15
Views: 965

Re: Beginner retirement portfolio question.

Desired asset allocation: Still not sure. I am thinking 100% stocks until I reach age 40. Maybe 80% Domestic and 20% International. Then at age 40 switching to a 3-fund portfolio. As David Jay pointed out one will probably live through a few market downturns in the course of a 30 year savings plan....
by N10sive
Fri Jun 01, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2431

Re: Enterprise vs Avis

Several times having reserved a very low cost car at Enterprise, we got a higher cost for the same price because that is what they had when we showed up :) Yes - also found out that many repair shops have a referral "deal" with Enterprise for customers when their car is in the shop. I have experien...
by N10sive
Fri Jun 01, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you repay back a 401k loan
Replies: 21
Views: 1788

Re: How do you repay back a 401k loan

It is typically withheld from your paycheck. Sometimes you will have to notify your payroll/HR dept to make sure they take out the payment.

You can usually make additional payments by check to the custodian. But as suggested you will need to read your loan documents and ask your employer.
by N10sive
Wed May 30, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17449

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Depends on where they go to school, state you live in etc. For example all high school students in my state that went to a state college received so much if their grades were above a certain GPA. This has dwindled down in recent years and may not be offered any more. That offer was not typical of mo...
by N10sive
Wed May 30, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2431

Re: Enterprise vs Avis

True, that's who my wifes company uses. Thought we would get a discount I've noticed the rewards card or whatever given to you from avis for businesses really doesn't provide a discount unless your booking a day before or something similar. If your booking weeks/months in advance you can get better...
by N10sive
Wed May 30, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12361

Re: Have $3m at 33, "approach to career" advice needed

I would find a passion and open your own business around it. It doesn't have to do great but just get by.

Making this much money I imagine you have a good set of skills that you just need to find where it applies best now.
by N10sive
Wed May 30, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2431

Re: Enterprise vs Avis

Big corporation employees don't care the cost. Avis has plenty of business accounts.
by N10sive
Wed May 30, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4604

Re: My mind exploded

Will she have a job during school? I don't see it as that big of a red flag although since your paying for a lot of her things it may seem to you. Graduation money just seems like "gift" money so she bought herself a gift. It could have been $1000 dollars worth of clothes..... If you were my parent ...
by N10sive
Tue May 29, 2018 6:52 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12322

Re: how do you tip on wine at a restaurant

I read an interesting article over the weekend indicating restaurants are having trouble in cities and states which are raising wages for servers. If servers make $10 or more an hour plus tips, they make so much more than kitchen workers it is causing strife among staff, as well as a financial sque...
by N10sive
Thu May 24, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 38
Views: 2502

Re: Bank of America ATM card not working internationally

If your desperately needing cash, wont a money travel exchange place let you purchase the wanted currency with a credit card? Commonly found at airports. If not you could also try a credit card with a pin. It will be a cash advance type deal but if you really want cash this would be another alternat...
by N10sive
Wed May 23, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12322

Re: how do you tip on wine at a restaurant

But I still think it's illogical to use a strict percentage when buying a $300 vs. $30 bottle of wine at a restaurant. Sure it's illogical. The whole system is illogical and I don't recall reading one post in any tipping thread that argues otherwise. But it is also illogical to stiff people who are...
by N10sive
Tue May 22, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12322

Re: how do you tip on wine at a restaurant

Usually only add a tip if adequate service is provided - drinks are refilled promptly without asking, food is delivered as ordered and in a prompt manner, seating assignments are comfortable and not unnecessarily crowded, etc. Like, if you have to ask for more water you tip $0.00? Or unnecessarily ...
by N10sive
Mon May 21, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3325

Re: Wifi + wired device

honestly adding a wifi pc card might be the easiest solution. It's a fairly expensive solution compared to this, and more trouble. I'm sure why it would be easiest. You can get a pc card n900 for 40bucks and it isn't too difficult to install. same price as the extender. As the previous poster point...
by N10sive
Mon May 21, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3325

Re: Wifi + wired device

honestly adding a wifi pc card might be the easiest solution.
by N10sive
Fri May 18, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12322

Re: how do you tip on wine at a restaurant

I would be very pleased if we moved to a non tip based system as seen in other countries. It would be more fair to servers and diners, and would eliminate the conflict-of-interest upsell. It will be interesting to see how this changes in the next couple years. With the higher minimum wage and other...
by N10sive
Thu May 17, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3015

Re: Brake work estimate

BMW charges $198 for rear brake pads and sensors on a 3 series and $208 on an x3. Your paying $75 more for a ford at an independent mechanic? Now, I haven't done brakes on a new 3 series, but have on an 80's 3 series and 90 M3. The pads can be changed without even removing the calipers. 2 pins to d...
by N10sive
Wed May 16, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12322

Re: how do you tip on wine at a restaurant

Instead of doing a fixed amount, as one of the links suggested why not adjust the tip percentage. For example your 127 bill you tipped 15, 20% on food and 5 dollar tip for the wine. Which was just over 11% tip on the total. 15% would have been ~19 dollars. If you ordered a 1k bottle of wine you coul...
by N10sive
Wed May 16, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3015

Re: Brake work estimate

I would also question the need for new rear pads and rear rotors. Typically last twice as long as your front under "normal" circumstances. That's not always true. A lot of modern cars will bias the rears under light braking to help promote even wear, which in a car that seldom sees firm braking may...
by N10sive
Wed May 16, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3015

Re: Brake work estimate

I would also question the need for new rear pads and rear rotors. Typically last twice as long as your front under "normal" circumstances.
by N10sive
Wed May 16, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off Debt vs. Investing
Replies: 25
Views: 1452

Re: Paying off Debt vs. Investing

But if that point isn't part of the conversation, my first concern is that I would imagine there are many people who do not snowball their loan payments into their investment accounts once their debt is paid off, but who think they're coming out ahead because all they know is that you're supposed t...
by N10sive
Wed May 16, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1862

Re: Why can't you rollover a retirement account into another one that you no longer work at?

I think that is typical with most company plans if you are no longer working at the company in either situation.

Either roll it into a new 401k with your new company if your working or open an account somewhere and roll into an IRA.
by N10sive
Fri May 11, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Dealer sold me a Certified Vehicle invloved in a prior collision
Replies: 23
Views: 2898

Re: Dealer sold me a Certified Vehicle invloved in a prior collision

I think you might be qualified for a Carfax buyback guarantee but not sure what it entails.
by N10sive
Wed May 09, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1696

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

Credit Cards: (In order of planned pay-off method.) 1) $1,561.09 - 29.99% 2) $1,002.06 - 25.49% 3) $12,347.00 - 19.65% 4) $12,809.00 - 17.65% 5) $1,062.27 - 0% ?) $2,000.00 - 29.99% (after promotion period... it's for my flooring in my new house to repair the floors, so I'm not sure what the exact ...
by N10sive
Wed May 09, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 4737

Re: Best cash-back credit card right now?

The discover it card would be good for the first year. Although rotating 5% categories it matches everything you earned for the first year. I had an offer for it along with 0% interest for 18 months on all purchases.
by N10sive
Tue May 08, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Will a Roth 401k give you more money in retirement?
Replies: 16
Views: 1216

Re: Will a Roth 401k give you more money in retirement?

I think you are missing some math/points. It also depends alot on your situation, tax bracket, write offs, etc right now and what you believe in retirement (and also tax rates can change in the future). It is not as simple as you paint it. I don't think you can just fix tax rates else Roth would pro...
by N10sive
Fri May 04, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5226

Re: Buying new car or buying used car

It really depends on the vehicle you want. The residual for different makes and model cars vary across the board. Reliability, cost of ownership etc also need to be accounted for. Take for example most Toyota vehicles. A 2 year old vehicle with 20k miles is only going to be a couple thousand less th...
by N10sive
Wed May 02, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3652

Re: Not Wasting Food

Shop more often but buy less. I was really bad at wasting food, probably 40% of my fruits/veggies would go to waste because I shopped once and bought a ton of food then it would spoil. This way requires a bit more time but has worked for me. Other ways is to freeze a lot of your food if its about to...
by N10sive
Wed May 02, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Device or app to find road gradient while biking?
Replies: 18
Views: 1216

Re: Device or app to find road gradient while biking?

This also bring up yet another issue. Intuitively, even a child can tell if the road is going up or going down and she can also tell if there is a headwind or tailwind but it will needs huge artificial intelligence to measure this when the frame of reference is not stationary. I bet Tesla can NOT m...
by N10sive
Wed May 02, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Relocation with 'lump sum' bonus
Replies: 11
Views: 790

Re: Relocation with 'lump sum' bonus

As some have said this is a good time to go through everything and get rid of stuff you don't like then I would drive the RV(or is it a tow behind) and a vehicle to your new city. You can get the other cars shipped for probably pretty cheap since your only going to TX. Then POD everything or similar...
by N10sive
Tue May 01, 2018 5:29 pm
Forum: Forum Issues and Administration
Topic: Making it easier to track posts from the OP
Replies: 29
Views: 2441

Re: Making it easier to track posts from the OP

Always forget about CTRL+F. I think that is the best solution as I don't believe these types of forums have the OP option in my experience.
by N10sive
Tue May 01, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Adding 19 yr child on new car loan/title (advantages/ disadvantages)?
Replies: 4
Views: 250

Re: Adding 19 yr child on new car loan/title (advantages/ disadvantages)?

I would just get him a credit card. Likely wont have more than a $500 dollar limit. Have him use it and pay it off monthly. That is how I built my credit up when I was younger.
by N10sive
Tue May 01, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Everything You Need to Know on an Index Card
Replies: 33
Views: 4098

Re: Everything You Need to Know on an Index Card

Was it on npr? If so that article is actually what got me into looking more at my personal finances and retirement(it was a few years ago but stuff gets recycled on the internet). My biggest advice would be save early and save often. If I would have know that when I was 16 and making actually decent...
by N10sive
Tue May 01, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Help me get on top of some debt before college expenses arrive...
Replies: 50
Views: 2862

Re: Help me get on top of some debt before college expenses arrive...

Pay off these 4 with taxable: Car loan 1, 72 months @ 2.4%, balance $19.5k, payment $413/mo Car loan 2, 72 months @ 2.69%, balance $22.7k, payment $413/mo 401k loan 1, 60 months @ 3%, balance $12.9k, payment $371/mo 401k loan 2, 60 months @ 3%, balance $17.9k, payment $450/mo I second this. Your mi...
by N10sive
Mon Apr 30, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: credit score questions
Replies: 13
Views: 659

Re: credit score questions

in reply to both Pajamas and fortfun - I am considering both, but wouldn't this be another hard inquiry and negatively affect the score? is it better to go for another card or increase limit? on my current one? I make low $100k so I can probably get an increase I don't know if there is a hard inqui...
by N10sive
Mon Apr 30, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to help housekeeper - she says she cannot incorporate?
Replies: 21
Views: 1351

Re: Trying to help housekeeper - she says she cannot incorporate?

It sounds like she took social early because she doesn't want to work or else she really didn't need to. I would find another housekeeper. At over $40 dollars per hour based on 2 8 hour days a week I am sure you can find someone willing to clean your house for you. Thank you for pointing out my idi...
by N10sive
Mon Apr 30, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Job Search Suggestions (Tech)
Replies: 14
Views: 1091

Re: Job Search Suggestions (Tech)

indeed and linkedin along with reaching out to any colleagues at the companies you would like to work for.
by N10sive
Mon Apr 30, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Testimonials on moving with a family
Replies: 29
Views: 2715

Re: Testimonials on moving with a family

I agree with Pajamas, moving for just the sake of moving sounds crazy to me. I know plenty of friends that still live in the town I grew up married and with kids. They will probably stay there until their kids are grown up. My mother insisted we stay in the same place while my sisters and I went thr...
by N10sive
Mon Apr 30, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to help housekeeper - she says she cannot incorporate?
Replies: 21
Views: 1351

Re: Trying to help housekeeper - she says she cannot incorporate?

It sounds like she took social early because she doesn't want to work or else she really didn't need to. Or because she really needed the money or because physical work was getting hard for her at that age. Not every person is gaming the system, you know, some people are poor. Yes while I may insin...
by N10sive
Mon Apr 30, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to help housekeeper - she says she cannot incorporate?
Replies: 21
Views: 1351

Re: Trying to help housekeeper - she says she cannot incorporate?

Taking social security early but earning more than allowed can result in losing out social security payments. I think it is for every 2 dollars above that amount 1 dollar is taken from the social security payment. My father took social security early and then got a contract job for two months that p...
by N10sive
Mon Apr 30, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17787

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Length of credit history?!?! No other previous large installment loans? From what your explaining it doesn't seem like there should be an issue if its not a large amount of your take home unless your specifying both your monthly income. If he has great credit but only say 30% of your total income wh...
by N10sive
Mon Apr 30, 2018 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 7
Views: 609

Re: HSA

On the topic of HSAs, they can ONLY be used for health expenses correct? Would it be a waste of time if I have full medical coverage through the VA? They can only be used for health related expenses or else incur a 20% penalty on top of your tax rate if withdrawn before age 65. If you are 65 or old...
by N10sive
Mon Apr 30, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2438

Re: Bicycle Questions

Also to mitigate the bike being stolen, research bike locks. There are a lot of reviews and videos of easily broken bike locks that some bike shops still sell.

I guess my suggestion is find a good bike shop, talk to them, get recommendations and go from there.
by N10sive
Mon Apr 30, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Bicycle Questions
Replies: 44
Views: 2438

Re: Bicycle Questions

Can anyone, briefly, describe the specific ways in which a new $350-450 bike shop bike is likely superior to a $125-150 Wal-Mart bike? Well the price first(better quality etc). Most likely a LBS(local bike shop) will carry better brands than Wal-Mart will. It is really hard to quantify the real dif...
by N10sive
Fri Apr 27, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Comfortable Commuter Cars under $50K
Replies: 81
Views: 5915

Re: Comfortable Commuter Cars under $50K

If I were to only have a commuter car and could deal with a two door, I would pick a Toyota 86. Its not too expensive, gets decent gas mileage, sporty, toyota reliability, etc. Although the car might be more in tune with mid 20 year olds (I am 31), maybe splurge for the highest end model? I don't kn...
by N10sive
Thu Apr 26, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: New 401K after company has been acquired question
Replies: 25
Views: 1813

Re: New 401K after company has been acquired question

Also other questions. 1.How much to contribute? I need to do at least 3% to get matched by the company. I know that. 2.Do I do all $18500? 3.With this 401k I can also contribute to Trad and/or Roth. Should I split portions? I suggest you read this page. https://www.bogleheads.org/wiki/Prioritizing_...
by N10sive
Thu Apr 26, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6162

Re: Learning to drive stick

I took a motorcycle instruction class for two days, roughly 12 hours of actual riding. I was confident to drive in traffic after this class. I would recommend a lot more than 2 hours of instruction or experience if going overseas to drive where rules of the road are very different. Add to the fact y...