Search found 43 matches

by Fresh Air
Thu Dec 19, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Formula Cannot Figure Out
Replies: 28
Views: 1683

Re: Excel Formula Cannot Figure Out

mlipps wrote:
Thu Dec 19, 2019 12:21 pm
You don't need to nest the IF statement, you can instead use the function "IFS" to evaluate multiple if statements:

https://exceljet.net/excel-functions/excel-ifs-function
As someone who has painfully nested far too many functions, you just made my day. Thank you, thank you.
by Fresh Air
Tue Jul 09, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 8493

Re: Buying a Smoker

Gotta do a little honest soul-searching beforehand. Electric/propane are much more "set and forget" than charcoal. However - I think the taste and experience of doing it properly is worth the little extra effort. A better smoker (I'd start with a smokey mountain - perhaps you can find one used) will...
by Fresh Air
Fri May 24, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 1027

Re: Is there a cheaper way to go to Long Island, NY?

Got it, not worth switching your ez-pass for 2 days. The two [main] ways without going through Manhattan are the GW-> Cross Bronx Expressway -> Throg's Neck Bridge OR through Staten Island / Verrazano bridge / Belt Parkway. IIRC, both require a large toll (one way -> into NY), and a smaller dual tol...
by Fresh Air
Fri May 24, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Is there a cheaper way to go to Long Island, NY?
Replies: 19
Views: 1027

Re: Is there a cheaper way to go to Long Island, NY?

Hey there,

Which way are you going (and how much are you spending) now? Are you talking every weekday for commuting? And do you have a NY or NJ EZ-Pass? The NY one will save you on the crossings.
by Fresh Air
Thu Feb 14, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: NYC area, buying first home- where to begin?
Replies: 22
Views: 2302

Re: NYC area, buying first home- where to begin?

A few thoughts, hopefully of use. We're early thirties as well, and own a house in the NYC suburbs. - I'm not sure how you calculated $700,000 - but don't use any traditional rules-of-thumb or online calculators for these areas. Because of the high property taxes (and the fact that you cannot deduct...
by Fresh Air
Wed Feb 13, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 6526

Re: Newlyweds and joint accounts for household expenses

But what if someone goes over budget? The point of individual accounts is forced budgeting. Then again, I suppose you can empty your account and just keep on spending from the joint. Exactly. Or either could overspend directly on credit cards. When we have gone over our individual fun money (and we...
by Fresh Air
Wed Feb 13, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 6526

Re: Newlyweds and joint accounts for household expenses

I posted a thread earlier about becoming newlyweds and perhaps consolidating medical insurance. I have another topic I'd like to bring on the board: establishing a joint account for household/common expenses. Our plan generally speaking is to maintain our separate bank accounts but we are talking a...
by Fresh Air
Wed Jan 16, 2019 5:56 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58721

Re: John Bogle is dead at 89

Hats off to Mr. Bogle. Thank you for all your contributions to the community & investing industry at large.
by Fresh Air
Wed Jan 16, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Is IRS mailing W2 and W3 forms?
Replies: 5
Views: 633

Re: Is IRS mailing W2 and W3 forms?

Ordered forms mid-December and still (pessimistically) waiting. I'm looking at paperless alternatives this year for the more urgent filings. Thread is below:

viewtopic.php?f=2&t=269675&view=unread& ... 33e#unread
by Fresh Air
Tue Jan 15, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 E-Filing Options [For a small company]
Replies: 7
Views: 491

Re: 1099 E-Filing Options [For a small company]

Silk McCue wrote:
Mon Jan 14, 2019 6:22 pm
In the past (business since sold) I used Intuit.

https://payroll.intuit.com/1099-e-file/

Simple,easy and accurate process. Up to 3 1099s for flat fee of $12.99 early bird discount prior to Jan 17.

Cheers
Perfect, thank you. Exactly what I was looking for.
by Fresh Air
Mon Jan 14, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 E-Filing Options [For a small company]
Replies: 7
Views: 491

1099 E-Filing Options [For a small company]

Afternoon all, I have a small side-hustle for which I have one contractor I occasionally use. Perhaps due to being cheap, or perhaps for a better understanding of taxes, I have filled out the 1099 & 1096 on paper the last few years. I ordered paper copies in December from the IRS, but they have not ...
by Fresh Air
Thu Jan 10, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2686

Re: How do you manage credit card use with monthly budget

I think you're overthinking the savings part. If all you want to do is see excess - just change all your credit card due dates to be roughly the same (usually can be done online), pay them in full on the same day, then look at your checking account a day or two later once everything is processed. Th...
by Fresh Air
Tue Dec 11, 2018 11:07 am
Forum: Personal Investments
Topic: Motley Fools is now for fools only?.....RIP
Replies: 30
Views: 7435

Re: Motley Fools is now for fools only?.....RIP

I credit Motley Fool for getting me started in low cost index mutual funds a long time ago. Unfortunately they turned a different direction. I must have read them at the same time as you. It is indeed sad to see the what has happened to this group.q Same here. I remember a Motley Fool book (aimed a...
by Fresh Air
Tue Aug 21, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Cash Flow Gain Primary Residence
Replies: 152
Views: 5074

Re: Cash Flow Gain Primary Residence

I suppose one could also look at "risk" factors, which would correlate with the rest of a portfolio. I'm not sure they can be measured simply, ie standard deviation. Owning seems more risky than renting, but generally appreciation / principle reduction rewards owners for that risk. A few off the top...
by Fresh Air
Wed Aug 15, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 3161

Re: Discarding dead cell phone without purging my data

donfairplay wrote:
Wed Aug 15, 2018 1:10 pm
A kitchen blender, perhaps.
Accurate. I just spent the last 20 minutes on youtube rewatching the old "Will it Blend?" videos.
by Fresh Air
Wed Aug 15, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 5333

Re: Adult piggy bank

As another who rarely uses cash - I often drop a few quarters in my car for when I need to fill up the tires on the road. The last place I stopped while traveling cost $1.50 to run the air pump! Luckily there are a handful of stations with free air locally.
by Fresh Air
Mon Jul 30, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Two Days on Long Island
Replies: 16
Views: 1711

Re: Two Days on Long Island

There are a number of local wineries and breweries, which are fun experiences (both indoors and outside). If you golf (I don't) there are a number of highly rated courses, including a well known one in Bethpage. Depending on where you find yourself - the island can be surprisingly long. If you plan ...
by Fresh Air
Tue Jun 26, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1537

Re: Small loan by the way of 0% APR credit card

There's something very important to keep in mind with checks offering a promotional rate lower than your regular APR for purchases. With most if not all banks, if you have any other balance on the card, or make any purchase other than writing that check, the regular, higher APR applies, yet any pay...
by Fresh Air
Tue Jun 26, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1537

Re: Small loan by the way of 0% APR credit card

I often receive "checks" in the mail from credit cards I already own with offers such as 0% for 12 months or 2-3% apr for 18 months. You could use these if you get them to write yourself a check, I don't think (you should confirm) that would count as a cash advance. I've used one of these checks on...
by Fresh Air
Tue Jun 26, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: NY Insurance Costs on the Rise
Replies: 21
Views: 2330

Re: NY Insurance Costs on the Rise

If you haven't shopped around recently, now's as good a time as any. I put together a spreadsheet last month with all my coverages, discounts to mention (defensive driving online course, alarm system, etc.) - and called 5 different providers for quotes. Keep in mind a few of the big names resell (IE...
by Fresh Air
Fri Jun 15, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 4501

Re: I am STUNNED over how much help my friends recieved with house purchase!

Commenting as someone coming from a similar position to you - rather than as a parent. Also in a HCOL. You are jealous - it's okay. I remember being baffled at one couple telling us their parents paid for their education while we carried 6 figures of college debt. And later, finding out they also pl...
by Fresh Air
Fri Jun 01, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 22112

Re: Top Shelf Liquor Overrated?

But, why spend more than you need to, if you like it, then drink it - no sense to spend extra money. Nailed it. Everyone's tastes are unique. If you can't tell the difference, who cares what is "top shelf" or "bottom shelf" - you're paying for something that brings you no extra enjoyment. I'm a sco...
by Fresh Air
Fri May 18, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow graduate school at the expense of reducing 401k contributions?
Replies: 9
Views: 796

Re: Cash flow graduate school at the expense of reducing 401k contributions?

I asked a similar question last summer: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=224189&p=3464223#p3464223 I did choose to cut down retirement contributions rather than use student loans to subsidize. While at first it was difficult to stomach the reduction, a year in, I'm really glad we...
by Fresh Air
Mon Apr 16, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Minimizing taxes for 2018
Replies: 12
Views: 2040

Re: Minimizing taxes for 2018

If you are referring to "Unreimbursed Employee Business Expenses" for a W2 employee - alot of that is going away for 2018 - I'd look into that. (If you are 1099, I believe it stays the same).
by Fresh Air
Tue Feb 27, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards: 0% purchase versus cashback
Replies: 9
Views: 1244

Re: Credit cards: 0% purchase versus cashback

Don't forget taxes. Not sure how this situation would unfold in the UK. In the US, the bond/CD/etc. would likely be taxable (or a lower rate), so that would eat into your return. Credit card points are not.

I'm not sure the payout of that strategy would net much overall.
by Fresh Air
Thu Jul 27, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 2016

Re: Returning to College - Looking for Financing Advice

Do you need to go to a top 5 program, or do you merely need the MBA credential to advance? If it's the latter, you could do a part time MBA for about 30k and spread it out over several years (and still work), which should have minimal effect on your finances I basically drew 45-minute circles aroun...
by Fresh Air
Wed Jul 26, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 2016

Re: Returning to College - Looking for Financing Advice

gasdoc wrote: Regarding that last comment, forget trying to time the market. Make a plan and stick to it. Thinking too much is the enemy of success in the stock market!
Gasdoc
That last part was mostly in jest, hah. Thanks for the encouragement, it's good to have a plan!
by Fresh Air
Wed Jul 26, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 2016

Re: Returning to College - Looking for Financing Advice

Thanks again to all for the advice, I will take it! I'm going to slow savings a bit in order to cashflow. No need to incur additional debt. Perhaps we'll even keep the retirement savings rate a little lower after graduation and knock out the rest of the loans. Their relatively low interest made us m...
by Fresh Air
Tue Jul 25, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 2016

Re: Returning to College - Looking for Financing Advice

Thank you all for the feedback. Glad I came here - while I was originally looking for specifics, the more important questions is probably philosophical. I'm going to try and respond to everyones' advice below: Most feedback is that we should be cash-flowing. In essence, we certainly could, but I thi...
by Fresh Air
Tue Jul 25, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 21
Views: 2016

Returning to College - Looking for Financing Advice

Hi all, I've decided to return to college (age 30) to get my MBA. I've felt it's a smart move for some time now, and recent interviews for the types of jobs I'm interested in are confirming this is a necessary step. I'll be attending part-time while continuing my full-time job. As far as funding goe...
by Fresh Air
Sun May 21, 2017 6:18 am
Forum: Personal Consumer Issues
Topic: blackout curtains
Replies: 19
Views: 3712

Re: blackout curtains

Building on what Cella said:

"Wrap around" curtain rods, as opposed to straight rods, will help block light from the edges of the window. Highly recommended in addition to the heavy material.
by Fresh Air
Thu Jan 05, 2017 9:32 am
Forum: Personal Investments
Topic: Don't Shoot. Questioning 401k
Replies: 28
Views: 3689

Re: Don't Shoot. Questioning 401k

Another possible benefit to the 401k is FAFSA reporting, if you have (or may eventually have) college-bound children. 401k balances do not count as assets, while brokerage investments do. Depending on the size of the accounts, this could make a large financial difference when that time comes around....
by Fresh Air
Tue Sep 20, 2016 10:40 am
Forum: Personal Investments
Topic: Asset Spread When Only Utilizing Tax-Advantaged Space
Replies: 2
Views: 446

Asset Spread When Only Utilizing Tax-Advantaged Space

Hi all, Possibly a silly question, but I wasn't able to dig up much information during searches. Right now, my wife and I (approaching 30 years old) contribute to both traditional 401(k) and Roth IRA accounts. We have four sectors (albeit in slightly different funds depending on account availability...
by Fresh Air
Fri Aug 19, 2016 9:56 am
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 18559

Re: Buying a new home at age 50 in a nicer neighborhood

Good info! Could you share with me who you used or a provide me with a link to a thread that discusses this topic please. We ended up going with Quicken Loans. They were the most flexible and offered the best incentives at the time. I'd do some searches on this website as well, since some places ma...
by Fresh Air
Fri Aug 19, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 18559

Re: Buying a new home at age 50 in a nicer neighborhood

From what I've been told, 20 year rates are the same as 30. 15 year rates are at 2.75 or so, 30 year is at 3.50. The payment difference is quite larger with the 15 year, i'd rather have the flexibility of the lower payment for the unforseen Hey, Just a small note, as I did a refinance earlier this ...
by Fresh Air
Thu Jun 23, 2016 6:37 am
Forum: Personal Investments
Topic: New to forum/investing, what to do in my situation? (26 y/o)
Replies: 7
Views: 622

Re: New to forum/investing, what to do in my situation? (26 y/o)

Hey there, A good first step would be to track your current spending. If you use mainly credit/debit cards, you can go back through your statements. An automatic tool like Mint may help as well. See what you send on "wants" and what you spend on "needs". Use this information to draw up a monthly bud...
by Fresh Air
Mon Jun 13, 2016 9:16 am
Forum: Personal Finance (Not Investing)
Topic: help moderate-income family get ducks in a row?
Replies: 24
Views: 3286

Re: help moderate-income family get ducks in a row?

Hey there, I saw you noted high credit scores. You may want to consider refinancing your student loans. You could likely get a better rate / term that would either free up monthly money or shorten the time you'll be stuck with them. However, the fact that your loans are federal may be worth consider...
by Fresh Air
Fri Jun 10, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs Buying in a pinch
Replies: 11
Views: 1040

Re: Renting vs Buying in a pinch

Absolutely agree with "don't purchase under duress". Purchasing a house can be a lengthy process & you don't want to be stuck with a bad situation long-term. Or underwater in the short-term because you discover major repairs & have little emergency savings to cover them. Renting gives you more flexi...
by Fresh Air
Fri Jun 10, 2016 8:59 am
Forum: Personal Investments
Topic: 401(k) Plan Additions (Build your own?)
Replies: 2
Views: 384

Re: 401(k) Plan Additions (Build your own?)

Thanks ruralavalon,

That's where my mind was headed as well. Hopefully they have more information on the signal shares. Appreciate the input!
by Fresh Air
Thu Jun 09, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: Two-Way Fence Lock
Replies: 12
Views: 6202

Re: Two-Way Fence Lock

Hey, Not to bump an old thread, but I wanted to post where I ended up. I decided (in the short-term) to use a simple bicycle lock that can be pulled around for access from either side. Gardener was fine with it. I read up on town code, and they are very strict with regards to pool access - which was...
by Fresh Air
Thu Jun 09, 2016 4:12 pm
Forum: Personal Investments
Topic: 401(k) Plan Additions (Build your own?)
Replies: 2
Views: 384

401(k) Plan Additions (Build your own?)

Hi there, My (small) company's 401(k) plan contains a fairly mediocre blend of options - at fairly high ER's (1%+). I reached out to our HR department to attempt an addition of simplistic index funds that employees (including myself) can use to build more useable portfolios. They were able to get in...
by Fresh Air
Tue May 31, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Two-Way Fence Lock
Replies: 12
Views: 6202

Re: Two-Way Fence Lock

Thanks to all for the feedback! I had almost forgotten about the rotary locks: http://www.amazon.com/Kryptonite-Gripper-Combo-Padlock-50mm/dp/B001B4ZAEA?ie=UTF8&keywords=outdoor%20combination%20padlock&qid=1464724071&ref_=sr_1_29&sr=8-29 I think either a chain or the lockthru with one of those would...
by Fresh Air
Tue May 31, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Two-Way Fence Lock
Replies: 12
Views: 6202

Two-Way Fence Lock

Hi there, I've spent quite a bit of time reading up on the wonderful investing advice offered from this site & its members. Somewhat funny, then, that my first post is related in no way to finance! My wife & I recently moved into a new home with a vinyl fence surrounding the backyard. Up until now, ...