Search found 527 matches

by N10sive
Thu May 24, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America ATM card not working internationally
Replies: 14
Views: 695

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: 185
Views: 9767

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: 185
Views: 9767

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
Replies: 49
Views: 2473

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
Replies: 49
Views: 2473

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: 185
Views: 9767

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: 2843

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: 185
Views: 9767

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: 2843

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: 2843

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: 1368

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: 1742

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: 2811

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: 1648

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: 4588

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: 1173

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: 5007

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: 3513

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: 1177

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: 755

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: 27
Views: 2162

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: 238

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: 4010

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: 2767

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: 626

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: 1314

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: 1040

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: 2642

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: 1314

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: 1314

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: 17367

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: 586

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: 2370

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: 2370

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: 5760

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: 1762

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: 5877

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...
by N10sive
Wed Apr 25, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 3219

Re: New car pickup today.

I would only worry about rustproofing if you live in an area where they still salt the roads which is a rarity now. Also if your buying a Camry which I think was mentioned in your other threads or a Toyota in general I would not purchase a warranty. FYI warranties are also negotiable much like every...
by N10sive
Tue Apr 24, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 34
Views: 3021

Re: Negotiating for a new Toyota.

It's been a phenomenon in the last decade or two for the domestics that MSRP continues to creep up and then crazy factory rebates and employee pricing are applied to get 20-40% off MSRP. I recently saw an ad for a Chevy Silverado truck for up to 15k off MSRP. I wanted to see what they would go for ...
by N10sive
Tue Apr 24, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5509

Re: How long have you been unemployed?

I am 32 and have been employed since 15 yrs old. I had a brief 6 month stint of unemployment at age 22 when I voluntarily took a severance package for the rest of the year. Well timed as I was in my final year of college. I am ending a contract in February of next year and debating to take a few mon...
by N10sive
Mon Apr 23, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 10421

Re: Nomadic lifestyle in their 50s

While no one can guess, it doesn't seem like the Seattle housing cost isn't going to stop anytime soon.
by N10sive
Mon Apr 23, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10125

Re: Salary Negotiation gone sour

Correct, the salary provided came from the recruiter. During the in-person interview the salary was brought up and I simply stated that the range provided was consistent with what I expected. Adding 10% to my current base would take me just above 90k. That being said the bonuses here are smaller so...
by N10sive
Mon Apr 23, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10125

Re: Salary Negotiation gone sour

It seems the third party recruiter offered the salary range and not the company directly? Or am I reading that wrong? Then in negotiations the third party recruiter could only get so much for you? Negotiating for 4k overall between offers isn't a whole lot. As long as it was a 10-15% base from your ...
by N10sive
Thu Apr 19, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new Toyota.[my fault comparing apples and oranges]
Replies: 34
Views: 3021

Re: Negotiating for a new Toyota.

Costco pricing is still probably high but might get you to a better starting point. Also true car may help to see the typical costs curve and then you can decide what you believe is fair. Neither of those will give you info without signing up to a dealer. This could help in that you could try multip...
by N10sive
Thu Apr 19, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Got hit with a $2800 Medical bill. Can I negotiate?
Replies: 187
Views: 10144

Re: Got hit with a $2800 Medical bill. Can I negotiate?

I'm a little confused why there are so many comments that $5900 is a high deductible. Of the plans I've seen available, this is on the low end. This is the highest I've seen for an individual. 2 or 3K is more common. However, I think 5900 may not be the deductible in this case, but the OOP max. Eve...
by N10sive
Wed Apr 18, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3461

Re: Total Cost of Car Ownership over 10 years

Depending on what kind of driving you do and how you drive might be closer to 3 sets of tires for 150k miles. Also you could buy tires at places with free tire rotations, so I guess those two equal out. Your major maintenance will pry be more than 1k. Two front brake jobs and one rear could be close...
by N10sive
Mon Apr 16, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2640

Re: How much salary did you negotiate?

9% after the 1st round? That seems like a pretty good jump, pretty much a months salary. Why didn't you suggest what you were willing to work there for? You have 2 other offers? What are they offering? I've only negotiated a staying raise that was 25% above current pay but that was because I was und...