Search found 410 matches

by N10sive
Wed Feb 14, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3348

Re: rule of thumb of when to sell your car

At 260k miles, the original shocks and struts are probably a massive safety issue. I knew someone would bring this up. And I have thought about it. I would change them out if they were shock absorbers. The front and rear are both struts. I only drive 7 miles to work and don't hit speeds above 40mph...
by N10sive
Wed Feb 14, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: rule of thumb of when to sell your car
Replies: 50
Views: 3348

Re: rule of thumb of when to sell your car

My 2000 civic currently has 260k miles. I doubt it needs anything *knock on wood*. I've only done recommended maintenance on it. I have left the shocks/struts go, they could be replaced but they don't make any noise or anything they are just certainly no rebound-all spring now. I've debated replacin...
by N10sive
Wed Feb 14, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6481

Re: PSA: Bank of America now charges $12/month for checking

I received 2 or 3 notices either electronically or snail mail that they were changing their policy back in oct/nov. Maybe want to update your communications settings if you didn't receive anything.
by N10sive
Wed Feb 14, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6481

Re: PSA: Bank of America now charges $12/month for checking

Beginning of the year they changed a lot of their accounts to fees. I closed my savings since I don't really use it and get a free checking account by having enough direct deposit into the checking account.
by N10sive
Tue Feb 13, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Go back to school ?
Replies: 6
Views: 506

Re: Go back to school ?

How old are you? Those 5-7 year time frames are quite long and a lot of things can change in that time. What schooling do you need? Can you get a certificate or something similar? Can you go to a cheaper school? To take an initial paycut with a degree seems to be backwards. Depending how old you are...
by N10sive
Mon Feb 12, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7099

Re: I’m not renewing my Costco membership.

Grt2bOutdoors wrote:
Mon Feb 12, 2018 4:25 pm
letsgobobby wrote:
Mon Feb 12, 2018 12:19 pm
We make up our membership fee with savings on car rentals alone.
How does car rental work with Costco membership? I did not know they offer this.
Costcotravel.com
by N10sive
Mon Feb 12, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Changing jobs while paying down debt
Replies: 4
Views: 451

Re: Changing jobs while paying down debt

I don't think income/debt reduction based on salary should be a question. It should be based on your career goals and what your immediate/future plans are. My concerns for the new job would be job security. I posted in your last thread but given you posting your salary here, the 22k in debt isn't a ...
by N10sive
Mon Feb 12, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7099

Re: I’m not renewing my Costco membership.

Also, buying just one set of tires is a big savings there, especially when they have the $70-off coupons. I'm pretty sure those $70 off coupons are from the manufacturer and available and most retailers. I know I got one from discount tire last time I bought a set of Michelin tires. It most certain...
by N10sive
Mon Feb 12, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7099

Re: I’m not renewing my Costco membership.

You can always share a membership with someone and split the costs. My sister and I live in different cities but share the same costco membership. If your a couple, both of you dont need to be on the membership. Share it with a relative or friend especially if its 35 minutes away. It would be differ...
by N10sive
Fri Feb 09, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: HSA...let me get this straight
Replies: 36
Views: 3750

Re: HSA...let me get this straight

So say you don't have an HSA right now but in the future have an HSA. Could you keep payments/receipts now and reimburse yourself when you get an HSA?
by N10sive
Thu Feb 08, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: BAD 401K or Taxable
Replies: 13
Views: 625

Re: BAD 401K or Taxable

More info is needed. Are you maxing all of your retirement accounts out? What is your tax bracket? If you are maxing all of your retirement accounts out I would still contribute to the 401k because possibly it could affect your tax rate. Also if you aren't planning to stay at the company longer term...
by N10sive
Tue Feb 06, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2954

Re: Recently divorced trying to clear all of my credit card debt.

Just ran the number here. You have about $2970/month in obligations and take home about $4400/month. Why can't you knock down, or make progress on the CCs? I think as he stated due to unexpected expenses each month he just puts it on the CC. Its a habit that will need to change but most likely is t...
by N10sive
Tue Feb 06, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2954

Re: Recently divorced trying to clear all of my credit card debt.

Balance transfer is an option but I'm not too keen on the 3% transfer fee. I'll probably hit pause on the 401k contributions (or dial it down to 2-3%) just to free up some cash flow. Most would recommend not dialing back your 401k if you contributing the minimum to get the match, which I believe yo...
by N10sive
Tue Feb 06, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2954

Re: Recently divorced trying to clear all of my credit card debt.

Have you kept up on all payments to the credit card companies? At those rates and depending on how your credit is, you may want to look at consolidating it to get a lower APR. Even having all the debt at less than 10% will get you debt free faster. 19% is a lot and you wont get far unless you really...
by N10sive
Thu Feb 01, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 2431

Re: Should I stop contributing to 401(k) to pay off debt

OP given you want to keep your 8k in savings I would suggest two things then: 1. Just keep doing what you are doing. 2. Since cash flow seems to be why you first proposed this question, to have some breathing room each month. I would stop your 401k contributions for 6 months. It is the beginning of ...
by N10sive
Wed Jan 31, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: How to ship two big tubs of butter internationally?
Replies: 43
Views: 3394

Re: How to ship two big tubs of butter internationally?

Why don't you buy a bit - and leave half of it at room temperature, and the other half refrigerated - at home for a few days. Then, see if there's any difference (taste or otherwise) between the two samples. Then, you will know whether it needs to be shipped in a temperature-controlled fashion, or ...
by N10sive
Wed Jan 31, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 13330

Re: Your shopping strategy for new tires?

My experience at Costco was perhaps the easiest I've ever had for a tire shop. Made an appt and was in n out in less than 45 min. Just ate lunch while I waited. I trust their customer service is great as well if something went wrong. I mean didn't someone just return a dead Christmas tree and get aw...
by N10sive
Wed Jan 31, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 2431

Re: Should I stop contributing to 401(k) to pay off debt

Hello -- I just want to pay my parents back as quickly as possible. That is why I am making large payments. For the purposes of this exercise, assume that there is no ability to scale back on living expenses. Also, I am the single parent of a high needs child so no ability for 2nd job, side hustle,...
by N10sive
Wed Jan 31, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 2431

Re: Should I stop contributing to 401(k) to pay off debt

You aren't getting market returns on the 401(k) loan; I'd pay that off first and invest the plan assets in accordance with your investment objectives. You can always get another one if you have a cash crunch. He should be paying himself the interest though of 2.87%. Id be wary of paying this first ...
by N10sive
Wed Jan 31, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stop contributing to 401(k) to pay off debt
Replies: 44
Views: 2431

Re: Should I stop contributing to 401(k) to pay off debt

You are solidly in the 24% tax bracket for 2018 if filing head of household. Do you have to pay your parents so much? Since its 0% interest and they are your parents I would pay this off last. Unless your are dead set on paying them back. If that is the case I would pay them back with your savings. ...
by N10sive
Wed Jan 31, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 13330

Re: Your shopping strategy for new tires?

I recently used Costco and got the 70 dollar off Michelin’s and 1 cent installation. I’ve used others and shopped around but this deal was the cheapest by far. Even if I had to pay for the 60 dollar installation fee. Plus if you get the cash back thatis another discount. Tire rack is now really only...
by N10sive
Fri Jan 26, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Miscalculated International AA, should I just stick with it?
Replies: 19
Views: 931

Re: Oops! Miscalculated International AA, should I just stick with it?

corn18 wrote:
Fri Jan 26, 2018 3:13 pm
Age 52. 3-7 years from retirement.
Vanguard 2020 fund has 34% international(22% stock, 12% bond)
by N10sive
Fri Jan 26, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Keep maxing 401k, or pay off debt?
Replies: 9
Views: 551

Re: Keep maxing 401k, or pay off debt?

No, the total debt is nearly $20k. I was just able to move $7500 of that onto a 0% card, I still have $12.5 at a high rate. If that is the case contribute up to your 401k match if you have one, else put everything towards your debt. If you can, find the 0% interest cards preferrably for 18 months o...
by N10sive
Fri Jan 26, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Keep maxing 401k, or pay off debt?
Replies: 9
Views: 551

Re: Keep maxing 401k, or pay off debt?

If you still want to save, why not balance transfer to another 0% card. That is what I am doing, but you must be diligent about it. I would also look a the tax consequences of not contributing to your 401k. Does it shift you to a different tax bracket, etc? Also you say 7500, is that the only cc deb...
by N10sive
Fri Jan 26, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Miscalculated International AA, should I just stick with it?
Replies: 19
Views: 931

Re: Oops! Miscalculated International AA, should I just stick with it?

What is your retirement age? As another poster mentioned Vanguard target retirement fund 2045-2055 have 30-40% international equity(stock not counting bonds). But that is 30ish years away. Having an allocation 60/40 currently it seems you are closer to retirement. It is definitely up to you though.
by N10sive
Fri Jan 26, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff 401K loan early?
Replies: 35
Views: 52785

Re: Payoff 401K loan early?

just an FYI this is a 5 year old thread
by N10sive
Thu Jan 25, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Trip cancellation insurance
Replies: 47
Views: 2323

Re: Trip cancellation insurance

Have you gotten other trip insurance quotes? $611 sound a bit expensive. What kind of tour is it? Are you going with anyone? I have paid for trip insurance but most of my trips involve biking, skiing, etc. So if I lose my gear it pays for rentals. The last was around $300 I think for insurance on a ...
by N10sive
Thu Jan 25, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential
Replies: 31
Views: 3132

Re: Almost 34 years old... Looking for Career Ideas with realistic High Earning Potential

100k a year will be hard to do straight out of college unless your living in a VHCOL area. I am 7 years out of college and barely surpassed 100k last year. There is also another thread "working in the real world" about the salary disparity by region. Not knowing where you live or going/willing to li...
by N10sive
Thu Jan 25, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Should I focus on paying down student loans during a Bear Market?
Replies: 14
Views: 1068

Re: Should I focus on paying down student loans during a Bear Market?

At the less than 3% interest you could just pay it to term.

I would make sure you fill all tax advantaged accounts, your roth(backdoor roth), and then put anything you have left over towards your student loan.
by N10sive
Thu Jan 25, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16242

Re: Dear wife quits job and now we are down to 1 income

OP I believe you are in a better position than you think given your expense however you are very light on your retirement which is the biggest concern. There isn't much room to save for that unless you refinance or recast your mortgage. Many numbers like your misc expense and unforeseen expenses are...
by N10sive
Thu Jan 25, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Car buy/lease question
Replies: 8
Views: 719

Re: Car buy/lease question

My decision to lease vs buy in the scenario you mention would be based on the vehicle I am deciding on, mileage I drive, and current incentives. If you dont necessarily drive a lot of miles and the vehicle you are deciding on holds its value well comparatively, I would buy. But typically I believe a...
by N10sive
Thu Jan 25, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: how to choose mangoes?
Replies: 23
Views: 1311

Re: how to choose mangoes?

fposte wrote:
Thu Jan 25, 2018 12:05 am
The smaller yellow Ataulfo isn’t as widespread but is still pretty attainable, and it’s a lot better eating. See if you can find those.
In most grocery stores it will most likely be called a "Honey mango"
by N10sive
Wed Jan 24, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Bank signup bonus 1099
Replies: 36
Views: 2469

Re: Bank signup bonus 1099

I just received one from chase. They are all pry being sent in the next week or two
by N10sive
Wed Jan 24, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16242

Re: Dear wife quits job and now we are down to 1 income

OP, 1) Move to a cheaper house or rent. 2) How much of the 5.5K is tied to the house? 3) What is the price of the house? KlangFool 1. At this time we wouldn't want to that. If we didn't have an EF then I would agree. 2. About 1.9k 3. House valued at 480K, we owe about 121K While you weren't house p...
by N10sive
Wed Jan 24, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8792

Re: Working in the real world

$40-60k is not going to fund a SAHM/single income lifestyle with any money to save leftover at the end of the month. I am not sure in what context you were saying this, but it is completely possible. I know plenty of people in the town I grew up in who do exactly this. Yeah they arent going on extr...
by N10sive
Wed Jan 24, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16242

Re: Dear wife quits job and now we are down to 1 income

OP once you make the decision about the stay at home or whatever about the future and paint a clearer picture here about your financials, as HomerJ mentioned you could refinance to a 30 year mortgage. That puts you at 71 to have it paid off, while a temporary fix to allow your spouse to stay at home...
by N10sive
Wed Jan 24, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16242

Re: Dear wife quits job and now we are down to 1 income

Can you change your withholdings from your paycheck now? Having a kid and reducing your gross income in half I imagine your taxes will be drastically different this year allowing to increase your withholdings from each paycheck and maybe be able to recoup the 700.
by N10sive
Tue Jan 23, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 8792

Re: Working in the real world

When I got out of college I started working in a startup, engineer degree. I made 45k a year in a HCOL area starting out. They moved it to 55k shortly after and eventually got stuck at 70k after 5 years. Easiest way for an engineer, once you gain experience and perhaps in most jobs is to move compan...
by N10sive
Mon Jan 22, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Microsoft [Frustration update to Windows 10]
Replies: 24
Views: 1760

Re: Microsoft )*(^*&*%

This might help

https://docs.microsoft.com/en-us/previo ... faq_deploy

Go to: How do I upgrade the operating system on my Windows To Go drive

From what I gather you cant direct upgrade from a external hard drive....
by N10sive
Mon Jan 22, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 51
Views: 6075

Re: Am I being greedy?

If you can stomach it why not? However, while I cant find the link, Vanguard has a historical analysis of stocks/bonds allocations. I switched to 80/20 once I read through that as the benefit of being 100% isn't much better than an 80/20 allocation but offers the safety of the bond allocation. I'm 31.
by N10sive
Mon Jan 22, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school
Replies: 42
Views: 3284

Re: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school

If your at all technology inclined, a tech degree may not be a bad way to go. I have an EE degree but work with plenty of technicians. Depending on your skills/knowledge you could get close to what your making after a year or two. This can range from IT support, software testing, equipment operating...
by N10sive
Mon Jan 22, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4568

Re: New Brake Pads

OP should actually state an area where he is getting this done. Labor rates(which really drive this quote) vary quite a lot. In seattle where I live, labor rate is something like 140 an hour or even higher. Dealership is pry even worse. luckily I can do all the work on a car myself though dont have ...
by N10sive
Sun Jan 21, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4568

Re: New Brake Pads

OP, that is a fair price. Typically around my area and depending on vehicle complete brake jobs are 350-550 for sedans. I would never pay more than 450-500 for a sedan though. You could look how much they are charging for the resurfacing and pads. I’m more experienced in civics and Corolla but usual...
by N10sive
Fri Jan 19, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Forrester
Replies: 34
Views: 2003

Re: Alternatives to Subaru Forrester

Subaru engine issues have been very common pre 2011. Also at least in the outback the windshield is junk. My friend has replaced his 3 times already and its 2 years old. I have not kept up on the newer cars but most aren't reaching 100k miles yet so hard to tell if the reliability issues have been f...
by N10sive
Thu Jan 18, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2163

Re: Take a 401k Loan?

I don't see issue taking a 401k loan. During a stock and bond bubble, take a loan is just like taking profit. You should use the loan to pay high interest debt you might have. Suppose you have a 15% credit card balance, taking a 401k loan at 3.5% to pay off 15% loan. Plus, you are paying interest t...
by N10sive
Wed Jan 17, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2163

Re: Take a 401k Loan?

Yea our take home is great, but we both have newish cars and car loans - but keeping them 10+ years. So once paid in 2-3 years we will have much more money. Also, we sort of split stuff 50/50 and don't have a joint account. So she is not contributing to my debt out of her pay and we each for now pa...
by N10sive
Wed Jan 17, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 401k Loan?
Replies: 43
Views: 2163

Re: Take a 401k Loan?

Its interesting your credit score is 600. I am currently getting out of debt and have similar utilization and my credit was 730 before I paid off a student loan. Now its 700. I expect it to go back to 720 in a month or two. I would just keep the 0% credit cards because the 401k youll end up paying f...
by N10sive
Wed Jan 17, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?
Replies: 30
Views: 1647

Re: views on "Empower Retirement" as a 401k provider? fees? ease of use etc?

My current company uses this. The website isn't as good as my previous 401k. Funds ER's are a lot lower than my previous. I haven't seen these other fees, ill need to look into them.

Its not bad, it isn't great. You could have a lot worse plan.....
by N10sive
Wed Jan 17, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Which to Max First: 401k or HSA?
Replies: 13
Views: 886

Re: Which to Max First: 401k or HSA?

Do the 401k up to the match limit, then HSA and anything left into the 401k. I would postpone the Roth contributions and put into the HSA since it is a "stealth IRA".
by N10sive
Tue Jan 16, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3222

Re: PTO policy after international business travel

While most of my international travel involved only day meetings, so I was rarely in the city for more than 24 hours it was still fun to experience a different culture. I wouldn't necessarily call it torture, however some people love it and some people hate it. My best experience was going for anoth...