Search found 155 matches

by smitty1515
Sun Feb 21, 2021 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 205
Views: 15214

Re: So what kind of raise did you guys get for 2021?

2020: 0% (review in June)
2021 guessing between 2 and 3%
by smitty1515
Sun Dec 20, 2020 8:25 am
Forum: Personal Investments
Topic: Roast me! ER doctor portfolio
Replies: 88
Views: 8031

Re: Roast me! ER doctor portfolio

Note to self if posting portfolio. No roasting, just interrogation.

Congratulations on your portfolio. As others have mentioned, I hope you’re spending time in leisure. Nothing wrong with treating yourself if you have wants.
by smitty1515
Wed Nov 25, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Theft of catalytic converter ("autocatalyst") ?
Replies: 64
Views: 4379

Re: Theft of catalytic converter ("autocatalyst") ?

bberris wrote: Thu Nov 19, 2020 8:35 am In suburban Minneapolis, yes, several in a week in Plymouth. Also lots of cars broken into with nothing taken, presumably looking for guns. Please don't leave these in your car.
Not just Plymouth... https://twitter.com/CityHastingsMN/sta ... 61573?s=20
by smitty1515
Sun Oct 25, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendation
Replies: 52
Views: 3206

Re: Luxury car recommendation

Years ago I pulled up curbside to pick up my child from day care. The young women who brought my child out exclaimed, "Oh, you drive a nice Lexus!" However, my dog attracts more "chicks" as does as my friendly demeanor. :sharebeer What I was going to tell the OP too...get a pupp...
by smitty1515
Thu Oct 01, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Rat at home - how to catch?
Replies: 48
Views: 3125

Re: Rat at home - how to catch?

A hungry cat.
by smitty1515
Sun Aug 09, 2020 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Keane (Legal Claimant Services) Question Re: Unclaimed Property
Replies: 7
Views: 644

Re: Keane (Legal Claimant Services) Question Re: Unclaimed Property

Most unclaimed property records should be public. In addition to your grandfather's name (with variations) you should check the names of his spouse(s) as well as states where he worked and adjacant states if he lived/worked near the border (such as New York/New Jersey). A common source of unclaimed...
by smitty1515
Sun Aug 09, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Keane (Legal Claimant Services) Question Re: Unclaimed Property
Replies: 7
Views: 644

Keane (Legal Claimant Services) Question Re: Unclaimed Property

Good day, I’m looking for wisdom from the board re: a topic I have no experience. My grandfather passed away 20+ yr ago and his heirs (my mom and aunt) have been contacted by a rep at Keane (Legal Claimant Services) who specializes in unclaimed property. According to Keane, my grandfather had liquid...
by smitty1515
Tue Jun 16, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 48
Views: 4904

Re: chicken marinade recipes

Italian dressing or Chipotle chicken hack https://www.culinaryhill.com/chipotle-chicken/
by smitty1515
Thu May 28, 2020 8:32 pm
Forum: Personal Investments
Topic: Have you been following your IPS?
Replies: 42
Views: 2174

Re: Have you been following your IPS?

Yes 90/10. We have actually been trying to buy more the last 3 months. We're very comfortable with 90/10 AA.
by smitty1515
Wed May 27, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Bird Nest Forming Under Deck
Replies: 27
Views: 1615

Re: Bird Nest Forming Under Deck

Get a fake owl.
by smitty1515
Sun May 03, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: Lawn mower recommendation
Replies: 91
Views: 6367

Re: Lawnmower recommendation

Honda or Toro Make sure to maintain when the season is over by running fuel reservoir dry, change plug, change oil, and check air filter. Also check blade(s) to see if they need to be sharpened. +1 to whomever mentioned buying used. Check FB marketplace or Craigslist for mowers. That’s how I purchas...
by smitty1515
Sun Apr 26, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 15013

Re: Apple Released a New Low-cost Iphone

For those of you who are, like me, fans of Consumer Cellular, be advised that they now have the SE for sale on their website. The only version they currently have, though, is Red / 128 GB. But that's just perfect for me, so I ordered one yesterday. It was $400, which is $50 less than Apple's price ...
by smitty1515
Thu Apr 23, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 15013

Re: Apple Released a New Low-cost Iphone

They are shipping straight from China and saying delivery by EOD tomorrow.
by smitty1515
Tue Apr 14, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Best site for financial literacy for HS seniors and adults?
Replies: 8
Views: 445

Re: Best site for financial literacy for HS seniors and adults?

https://www.choosefifoundation.org/

I really like this site. My daughter is 8 and we’ve been doing a few lessons per week. All the information is free.

The podcast is excellent too. They’ve had Rick Ferri a few times in the past 2 weeks.
by smitty1515
Sun Apr 12, 2020 10:02 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 7011

Re: What Amazon Prime (free) movies y'd recommend ?

Prime Original Hunters was pretty good if you like historical fiction w a Tarantino’esque satire. Wrapped this one up two nights ago. Thoroughly enjoyed it. Latest season of Ozark is on deck. I’ve watched 14 episodes of Jack Ryan in the last 4 days. This one is very good too. Lmk how Ozark turns out
by smitty1515
Sat Apr 04, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 7011

Re: What Amazon Prime (free) movies y'd recommend ?

Prime Original Hunters was pretty good if you like historical fiction w a Tarantino’esque satire.
by smitty1515
Sat Apr 04, 2020 12:26 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6373

Re: How are you exercising with gym closures

Monsterflockster wrote: Sat Apr 04, 2020 11:56 am
smitty1515 wrote: Fri Apr 03, 2020 9:26 pm Jog about 40 miles a week.
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles
First time I’ve heard someone averaging 6-7 miles a day call themselves a jogger. :confused
Ok run....

:D
by smitty1515
Fri Apr 03, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6373

Re: How are you exercising with gym closures

Jog about 40 miles a week.
Spin (have my road bike on trainer) 1-2 x weekly
Push ups
Planks
Sit ups
Side planks
Bicycles
by smitty1515
Tue Mar 31, 2020 11:06 am
Forum: Personal Investments
Topic: Another way Edward Jones gets you
Replies: 43
Views: 4820

Re: Another way Edward Jones gets you

A bizarre post goes something like this — hey everyone, stay away from this advisory service because they take advantage, put their needs ahead of yours, and are sneaky in how they operate.

Author

Continued customer of said company

:shock:
by smitty1515
Wed Mar 18, 2020 7:46 pm
Forum: Investing - Theory, News & General
Topic: Should people STOP investing in favor of boosting their emergency funds?
Replies: 83
Views: 5730

Re: Should people STOP investing in favor of boosting their emergency funds?

How many people ACTUALLY have 100% secure jobs? You might have thought that before this situation (and were probably reasonably correct), but this situation is so completely out of left field that it will affect tons of people who never expected it. Only safe jobs right now are essential services l...
by smitty1515
Sat Mar 14, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Coffee Makers
Replies: 55
Views: 3642

Re: Coffee Makers

French press

Pros- cheap, makes delicious coffee, no additional cost (eg filters), no build up in water lines
by smitty1515
Sat Mar 14, 2020 7:42 pm
Forum: Personal Investments
Topic: I guess 100% stocks is right for me
Replies: 53
Views: 4260

Re: I guess 100% stocks is right for me

Wife and I are 37/38, 90/10 equity/bond, have seen portfolio decline about $100k as of late, and conjuring ways to buy more equities. I’m sleeping great, grateful for our situation, and thankful for the knowledge and wisdom re personal finance I’ve learned on this board and meet ups. Advice to the O...
by smitty1515
Sun Jan 05, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Defining FI
Replies: 8
Views: 1676

Re: Defining FI

We do not factor SS into the FI equation because we plan to be FI in our mid to late 40s. Of course, there are many years between hitting FI and traditional retirement when one begins to take SS distributions. Additionally, SS is predicated on many factors I don't know the answer so for the sake of ...
by smitty1515
Fri Dec 20, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5989

Re: Recommend Laptop

I purchased a late 2018 MacBook Air recently w the following specs:

Intel i5
16 gb ram
512 gb SSD
13” Retina display

Very happy w the purchase at $1199.
by smitty1515
Fri Sep 13, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Calling all iPhone SE Bogleheads
Replies: 61
Views: 5392

Re: Calling all iPhone SE Bogleheads

I’m using an SE and have been for 3 years. I just had a new battery put in at the Apple store for $55 which has made keeping it much easier.

The key will be continuing to have access to updates in the future.
by smitty1515
Sat Sep 07, 2019 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Can it get better than 15 year fixed mortgage at 3%?
Replies: 44
Views: 3858

Re: Can it get better than 15 year fixed mortgage at 3%?

Chunkachange wrote: Fri Sep 06, 2019 9:20 pm
mortfree wrote: Fri Sep 06, 2019 8:43 pm 15-year, 0 points is at 2.875 where I have a mortgage (30y at 3.875, 2y into the mortgage)
Trying to reconcile your username with your post, I can only assume you divorced a man named Mort.
😂
by smitty1515
Sun Jul 14, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: I think i can spend 30k on this vacation, but wife not sure
Replies: 77
Views: 8367

Re: I think i can spend 30k on this vacation, but wife not sure

Amazing that 5M isn't what it used to be. And maybe safaris are meant for people with more money anyway. Thanks for the responses, and have a nice day. Don’t take your situation for granted. You are top of world population re wealth. Take the trip if it’s an experience you and your spouse value and...
by smitty1515
Mon Jul 01, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: 75 vs 78% LTV
Replies: 8
Views: 1166

Re: 75 vs 78% LTV

We just did this on a home we bought new in 2015. The 75% rule was in reference to removal of PMI based on current value. So....we paid $450 for an appraisal which came in at $406k w balance of $305k which removed PMI.
by smitty1515
Mon Mar 11, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 12789

Re: Best Car Values

I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush,...
by smitty1515
Fri Mar 08, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 12789

Re: Best Car Values

I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush,...
by smitty1515
Wed Mar 06, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 12789

Re: Best Car Values

I’m in the boat of buying (with cash) 3-5 yr old vehicles w around 30,000 miles. We now have a 3 and 10 year old vehicles. My question for you all is do you follow the recommendations for maintenance? Oil changes and tire rotation are a no brainer. I’m talking about spark plugs, transmission flush, ...
by smitty1515
Sun Feb 10, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Did you investigate your partner's financial background before committing?
Replies: 99
Views: 6648

Re: Did you investigate your partner's financial background before committing?

Yes, my wife and I got “financially naked” before getting too serious. I couldn’t imagine not doing so as financial disagreements and beliefs can ruin a marriage.
by smitty1515
Sat Feb 09, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: What does financial peace look like to YOU?
Replies: 64
Views: 6379

Re: What does financial peace look like to YOU?

1.) 25 x annual expenses
2.) paid off mortgage
3.) giving 10% plus of my income per yr
4.) giving my time to meeting others and giving hope to the financially illiterate
5.) the ability to choose my pursuits based on interest and fulfillment and not pay
by smitty1515
Wed Jan 16, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1101

Re: Guidance requested

Sjt,

Thank you for the well constructed response. You’ve given me some things to think about in how I analyze our plan and future. Again, thank you.
by smitty1515
Tue Jan 15, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1101

Re: Guidance requested

Although I have never invested in any real estate myself, I would encourage you to try it because of the entire tone of your post. I think one can become financially independent without real estate investments, but it seems you are willing to try it out, so I recommend that you do so. You’re one of...
by smitty1515
Mon Jan 14, 2019 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1101

Re: Guidance requested

Thank you for the input Silverado. We’ve experienced 3-5% annual raises during this time. We made some questionable decisions in our mid 20s but have a solid foundation to build upon now.

Again, thanks for the input.
by smitty1515
Sun Jan 13, 2019 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1101

Re: Guidance requested

Thank you for the link. That’s not a site I’d heard of and there appears to be excellent content.
by smitty1515
Sat Jan 12, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1101

Guidance requested

I make this post for guidance and appreciate anyone who takes time to read/provide feedback. I've done more reading than posting over the years and value these opinions because most are pursuing or have obtained financial independence. Our situation: Monthly expenses: $5,700/mo Monthly income: (afte...
by smitty1515
Wed Jan 02, 2019 8:44 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3482
Views: 579115

Re: What are you up YTD? [Year To Date]

WhiteMaxima wrote: Wed Jan 02, 2019 1:54 pm Any BH with 100/0 AA? What's your return in 2018?
-11%
by smitty1515
Sun Oct 07, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Radon
Replies: 10
Views: 1499

Re: Radon

We have tested and our readings were 4.5 and 4.8 which is slightly elevated (goal is < 4). We live in MN where radon is a concern. I'm not sure how much of a farce I think the industry is but the fact of the matter is I will incur the cost to mitigate if I rent out or sell this home so why not take ...
by smitty1515
Sun Aug 26, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Savings rate per month???
Replies: 68
Views: 6698

Re: Savings rate per month???

35/36 1 kid

42% gross (includes employer contribution)
by smitty1515
Wed Aug 22, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]
Replies: 76
Views: 7895

Re: Graduate Degree Mistakenly (?) Conferred - What to Do? [solved]

https://www.nytimes.com/2001/12/15/spor ... -lies.html

My advice - contact the university and finish your degree the way you intended and legitimately claim your paper.
by smitty1515
Wed Aug 22, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Specific Disney fastpass suggestions
Replies: 10
Views: 1448

Re: Specific Disney fastpass suggestions

Animal kingdom
Safari
Avatar flight of passage
Expedition Everest

Magic kingdom
Space mountain
Thunder mountain
7 dwarfs Mine Train

Epcot
Soarin
Test track
Spaceship earth
by smitty1515
Fri Aug 03, 2018 9:37 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2150
Views: 260545

Re: Poll: At what age did you hit $500k Net Worth

The additional piece of info I'd like to know is an estimate of how much in income (combined income for couples) plus gifts (inheritance) had the person earned over their lifetime when they reached 500k in savings. A couple who had reached 500k at 30 but had cumulatively earned and/or inherited $5 ...
by smitty1515
Fri Aug 03, 2018 9:24 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2150
Views: 260545

Re: Poll: At what age did you hit $500k Net Worth

Wife 35, Me 36. Coincidentally, it just happened last weekend nearly 10 years after starting career. We are saving 50% of our after tax income and plan to cross the $1M NW in 5 years. Of course market fluctuations could alter this but we can only control factors such as savings rate, investing in lo...
by smitty1515
Mon Jul 30, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3742

Re: Best MacBook Value

Has anyone ever purchased off Gazelle or like sites? I was recently having some issues with our 13" mid 2012 MacBook Pro however doubling up the RAM and putting in a new battery has significantly improved the performance of the machine. I did both of these things for less than $100 but before h...
by smitty1515
Sun Jul 29, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 7711

Re: Has Anyone Tried Youtube TV?

Happy YT TV customer here. We've had very few issues and when we have their customer service is on point. During a recent World Cup match YT TV was down for a short period of time. Within 24 hours of the outage I got an email apologizing and comping me 1 free week of YT TV. The only two streaming TV...
by smitty1515
Wed Jul 18, 2018 9:19 pm
Forum: Investing - Theory, News & General
Topic: Direct Real Estate Returns
Replies: 361
Views: 20370

Re: Direct Real Estate Returns

^^^
That would be cash on cash return