Search found 386 matches

by Slacker
Tue Nov 21, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 938

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

You don't sound particularly "tech" to me and I would caution you about being an early adopter of a new technology. I believe EVs are the future, but the future is not here yet. I would push back a bit on this. There’s nothing complicated about these cars. Just the opposite, in fact. If you can plu...
by Slacker
Mon Nov 20, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 1448

Re: Newly built home. sell or rent?

Do a really, really great job of interviewing property managers in the area. Pick your primary prop manager and have the next best company as your back up in case you decide you want to fire the primary prop manager choice. If making the mortgage payments in case of vacancy isn't a problem when adde...
by Slacker
Mon Nov 20, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 17
Views: 938

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Though I am late to the electric party, late is better than never. I keep hearing about the advantages of battery-powered cars. No longer will I be left out. None of that is really true? You are not late, for cars that have less than 1% market share. I might as well say "I am late to the steam car ...
by Slacker
Sun Nov 19, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 84
Views: 4267

Re: How much do you budget for vacation?

We've discussed around the $5000 range for a "big trip" each year. In reality, we really don't have the ability to use our vacation time like that so we end up just doing a bunch of short trips to nearby locations. In total, I don't think we've spent close to what we set as our budget for a big vaca...
by Slacker
Sun Nov 19, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 189
Views: 10408

Re: Dave Ramsey says don't use credit cards, even if you pay them off

One credit card (American Express Preferred Cash Rewards) is only for groceries and gasoline. I can't see how we would possibly buy more with this credit card just because we aren't using cash. How many extra gallons of milk will I drink when using my American Express? None. Will I suddenly think I ...
by Slacker
Fri Nov 17, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 13950

Re: MoviePass-Too good to be true, but it's legit.

I think MoviePass has a huge opportunity to shake up the theater industry If someone really wants to shake up the theater industry, they need to come out with a "Popcorn Pass." Several theaters already offer that in and around the Phoenix metro area - I'd imaging there are similar things in other m...
by Slacker
Fri Nov 17, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 13950

Re: MoviePass-Too good to be true, but it's legit.

Really though, how many people go (or want to go) to more than 12 movies a year in a theater? That's assuming this subscription price stays at $10/month. I would be surprised if it doesn't ultimately settle at around $15 or $20/month in the long-term for this subscription, in which case you're talk...
by Slacker
Fri Nov 17, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 13950

Re: MoviePass-Too good to be true, but it's legit.

If you offered to pay me $10/month but I had to go watch at least 1 movie in a movie theater per month, I'd probably pass. :D +1. I really dislike the experience. We might go once a year. That once a year was Tuesday, as part of our anniversary. Wife wanted to see Thor. Movie was OK, the very obese...
by Slacker
Fri Nov 17, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 130
Views: 13950

Re: MoviePass-Too good to be true, but it's legit.

I think MoviePass has a huge opportunity to shake up the theater industry If someone really wants to shake up the theater industry, they need to come out with a "Popcorn Pass." Several theaters already offer that in and around the Phoenix metro area - I'd imaging there are similar things in other m...
by Slacker
Wed Nov 15, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40583

Re: USAA 2.5% Cash Back Credit Card

Thanks for the heads up on the Penfed 2% card. I was thinking about Citi Doublecash, but I think I'd prefer the credit union (Penfed).
by Slacker
Wed Nov 15, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40583

Re: USAA 2.5% Cash Back Credit Card

I've been waiting for this card for a while now. Just called USAA and the rep said that it's now rolled back to just one state (Louisiana). I'm guessing will cease to exist soon. Guess I'll just have to be content with 2% for now! :annoyed It doesn't look like they've updated their website to refle...
by Slacker
Wed Nov 15, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Honda Accord Hybrid EX-L- great deal or not?
Replies: 26
Views: 1785

Re: Honda Accord Hybrid EX-L- great deal or not?

I would guess the incentive is due to the new 2018 Accord which is redesigned (and many reviews peg it as better than the 2018 Camry). Advantage of a hybrid is really seen in city driving, but tends to have better highway mileage too due to a lower power gas engine supplemented by the electric motor...
by Slacker
Tue Nov 14, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5426

Re: Tipping in living wage state. Redux.

i’m not sure i believe you. i’ve been taught that tipping 20% in japan would be considered extremely rude. letsgobobby, 1) I have not ever been in Japan long enough to know. In any case, I couldn't care less how Japanese think and believe anyhow. It is their choice to suffer from their culture. I d...
by Slacker
Tue Nov 14, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5426

Re: Tipping in living wage state. Redux.

Thank you for this information. I am typically a "big" tipper, in part because of the low wages. Next time I am in California or Washington, I will certainly be modifying my tipping behavior to leave a smaller tip (5-10% sounds like a good start). FYI, Seattle has a different minimum wage than the ...
by Slacker
Mon Nov 13, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5426

Re: Tipping in living wage state. Redux.

Slacker » Mon Nov 13, 2017 5:33 pm Thank you for this information. I am typically a "big" tipper, in part because of the low wages. Next time I am in California or Washington, I will certainly be modifying my tipping behavior to leave a smaller tip (5-10% sounds like a good start). In our LCOL area...
by Slacker
Mon Nov 13, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5426

Re: Tipping in living wage state. Redux.

Thank you for this information.

I am typically a "big" tipper, in part because of the low wages. Next time I am in California or Washington, I will certainly be modifying my tipping behavior to leave a smaller tip (5-10% sounds like a good start).
by Slacker
Mon Nov 13, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment
Replies: 36
Views: 3115

Re: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment

$1 million dollar home on $200K income? That is a huge stretch. In that case, you should do enough downpayment to have maybe a $400K to $500K mortgage max. That house gets you about $10,000 - $12,000 per year in property taxes right? Now we add on about 1% of home value for maintenance $10K. Your i...
by Slacker
Mon Nov 13, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment
Replies: 36
Views: 3115

Re: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment

wrongfunds wrote:
Mon Nov 13, 2017 4:30 pm
Just put the popcorn in the microwave and eagerly awaiting for the upcoming drama!!!
KlangFool loves a good "can I afford it" real estate thread. :twisted:
by Slacker
Mon Nov 13, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment
Replies: 36
Views: 3115

Re: Actually might have "enough", thinking of suspending retirement savings in favor of saving for down payment

$1 million dollar home on $200K income? That is a huge stretch. In that case, you should do enough downpayment to have maybe a $400K to $500K mortgage max. That house gets you about $10,000 - $12,000 per year in property taxes right? Now we add on about 1% of home value for maintenance $10K. Your in...
by Slacker
Mon Nov 13, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Reducing Clutter Military 31M
Replies: 7
Views: 1067

Re: Portfolio Advice - Reducing Clutter Military 31M

Is my current TSP AA the way to go? Through my research, I found that investing bonds in the non-taxable accounts is the way to go. I was torn between putting everything into the G Fund, or splitting it 50/50. The projected AA has the bond allocation split 50/50 right now. I know that being in the ...
by Slacker
Mon Nov 13, 2017 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14488

Re: Why pay cash for a car?

What about telling the car salesman you plan to get a loan but at the last minute, after agreeing on a price, tell him you plan to pay cash? Would that work? Put me down for paying cash anyway for the reasons others have already stated. When you do that, if they had a deal based on the financing - ...
by Slacker
Sun Nov 12, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14488

Re: Why pay cash for a car?

What about telling the car salesman you plan to get a loan but at the last minute, after agreeing on a price, tell him you plan to pay cash? Would that work? Put me down for paying cash anyway for the reasons others have already stated. When you do that, if they had a deal based on the financing - ...
by Slacker
Sun Nov 12, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice - Reducing Clutter Military 31M
Replies: 7
Views: 1067

Re: Portfolio Advice - Reducing Clutter Military 31M

Is my current TSP AA the way to go? Through my research, I found that investing bonds in the non-taxable accounts is the way to go. I was torn between putting everything into the G Fund, or splitting it 50/50. The projected AA has the bond allocation split 50/50 right now. I know that being in the ...
by Slacker
Sun Nov 12, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14488

Re: Why pay cash for a car?

Many ultra low loan rates seem to be offered in lieu of a rebate. So one needs to take the loss of the rebate into account when deciding whether to pay cash or not. I was offered a better deal to finance through the dealer than paying cash on the out the door price (obviously, if I kept their finan...
by Slacker
Sun Nov 12, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1671

Re: Use or Lose $850 from Limited Expense FSA

I usually used all of my FSA money. Massage therapy at any chiropractor also qualifies. Only if prescribed by a physician to treat a physical or mental ailment. Also, never for a Limited FSA. It was prescribed by my physician yearly becauseI told him I have back problem. One year, I think I spent n...
by Slacker
Sun Nov 12, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8062

Re: $23k credit card emergency

I thought most of the 0% transfers came with a transaction fee of several percent of the balance transferred. Also be aware of how any payments get allocated if you are also charging new stuff to the card. I think after paying the minimum balance due any extra payment goes to the 0% balance so you ...
by Slacker
Sun Nov 12, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1671

Re: Use or Lose $850 from Limited Expense FSA

Braces? If you already had them you could get an additional retainer as a back up.
Night Guard? They wear out eventually so you could get another now in anticipation of a current one wearing out.
by Slacker
Sat Nov 11, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10242

Re: Tipping for restaurants where you order at the counter

I tip when possible. (If there's a sign saying "no tipping"--however phrased--I comply). I doubt that the people who bring the food out to me at Smashburger are paid any better, or need the tips any less, than the people at Texas Roadhouse. I hate tipping, I hate the system; in case anyone isn't aw...
by Slacker
Sat Nov 11, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10242

Re: Tipping for restaurants where you order at the counter

1. Not likely to tip 2. Not likely to tip 3. Most likely I will tip I prefer to walk up to the person or front desk and drop my tip in cash rather than "pre-tip". I often have a set amount I tip per person for a specific meal and don't necessarily couple my tip directly to the purchase price of my m...
by Slacker
Fri Nov 10, 2017 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Max my TSP or
Replies: 14
Views: 1042

Re: Should I Max my TSP or

Tsp now allows you the option to invest post tax dollars into tsp. I starting doing half and half since I didn't know what would be better. But now that I can max out the Roth IRA for the yr it's a mute point. Which is better depends on your tax bracket; see Traditional versus Roth on the wiki. Sin...
by Slacker
Fri Nov 10, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 180
Views: 14597

Re: Why NOT make more money?

One thing I did about five years before I retired was that I cut my retirement savings back to be just enough to get my employers 401k match and I then started spending more on things like travel while I was still working. I think I am doing similar things that I call "experiencing retirement". I p...
by Slacker
Fri Nov 10, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 180
Views: 14597

Re: Why NOT make more money?

Here is my situation (said before in other threads): We are in early 50s and have achieved financial independence at the comfortable level (4% rule). But my financial independence has no margin of error, i.e., no specific money budgeted for kids' wedding in the future, for slow overseas travels, et...
by Slacker
Fri Nov 10, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8062

Re: $23k credit card emergency

0% balance transfers are great, but you can do something else -> call all the creditors one by one and be as polite and courteous as possible while you ask the customer service person if there is anyway possible that they can lower your interest rate. 6yrs ago, I could have made almost the same post...
by Slacker
Fri Nov 10, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4361

Re: What is the difference between retiring and resigning from a job?

Retirement means you are initiating your retirement benefits. There would be a huge difference between that and resigning. What are retirement benefits? Pension, retiree health insurance, retaining management stock options past date of retirement, discount at the company store, etc.,etc. Pretty sur...
by Slacker
Fri Nov 10, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: When would you take a part-time option?
Replies: 23
Views: 1723

When would you take a part-time option?

Recent discussion in threads on making money or not making money and retirement to a "life of leisure" or "working until you are dead" lead me to start this thread. In our situation, both my wife and I have the option to work full time (40hrs / week which typically ends up being much more than that)...
by Slacker
Fri Nov 10, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 180
Views: 14597

Re: Why NOT make more money?

I don't understand the line of reasoning that you are giving up a year of your life if you continue working. Do all of you work in sweatshops that forbid time off on the weekends, prevent long vacations once or twice a year, and ignore holidays like Thanksgiving and Christmas? It's okay to travel o...
by Slacker
Fri Nov 10, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 180
Views: 14597

Re: Why NOT make more money?

I don't understand the line of reasoning that you are giving up a year of your life if you continue working. Do all of you work in sweatshops that forbid time off on the weekends, prevent long vacations once or twice a year, and ignore holidays like Thanksgiving and Christmas? It's okay to travel o...
by Slacker
Fri Nov 10, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12858

Re: Why make more money?

Reading from this thread, there are folks that wouldn't want to be at their job if not for money. They rather spent time at home and/or other leisure activities. It's sad that this group cannot find purpose and fulfillment with their career. It's horrible if you spend your entire working life witho...
by Slacker
Thu Nov 09, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4124

Re: How old are you and what size is your portfolio?

Early 40's, far less than I'd like but more than the average American my age.
by Slacker
Thu Nov 09, 2017 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12858

Re: Why make more money?

Back to the OPs original question. I don't know. I got to that number at 63 (not that early) and handed in my retirement papers. I remember my boss telling me then to be sure of my decision because he couldn't hire me back in to the corporation if I changed my mind. Two years later, he was dead fro...
by Slacker
Wed Nov 08, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Max my TSP or
Replies: 14
Views: 1042

Re: Should I Max my TSP or

TSP never shows dividends because any dividends from the indices are automatically included in the value of the fund and improve the "return" by the amount of what the dividend would have been. The TSP website should explain this...sorry that I can't pull up a link for you right now (just browsing t...
by Slacker
Tue Nov 07, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12704

Re: How old are you and how much do you save for retirement a year

Both around 40...but don't tell my wife I said she was around 40 :twisted: Dual low six figure income. Target 42% gross savings rate including employer contributions. We had medical bills of around 12% of gross this year so we'll likely only be able to save around 38% gross by Dec 31. Hoping to save...
by Slacker
Tue Nov 07, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9622

Re: Disposable income... how?

Drop your savings rate to 15-20%, pay off your payments, and take your wife out to dinner without making her compromise on an entree that you both want. Payments make you feel poorer and so does debt. Notice that the forum doesn’t have a lot of people posting about using zero percent credit cards a...
by Slacker
Tue Nov 07, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12858

Re: Why make more money?

Didn't Keynes predict that we would all be working 15 hours a week due to productivity gains? Perhaps that is exactly what we are seeing? However, instead of working their entire lives work 1/3rd the hours each week, we are seeing people choosing to work the full 40-45 hours, but do it for only 1/3...
by Slacker
Mon Nov 06, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9622

Re: Disposable income... how?

OP, Your numbers do not add up. 1) If you are saving 33K per year, why is it only 100K now? How long have you been saving? 2) Your mortgage plus utilities = 26K per years? How much is your mortgage? What is the price of your house? Are you "House Poor"? KlangFool Looking at Brokepilot's posts from ...
by Slacker
Mon Nov 06, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Why make more money?
Replies: 134
Views: 12858

Re: Why make more money?

Why make more money? My wife wants to spend more than I do, so we will work a little longer than I think is necessary to meet her spending goals in retirement. She wants to spend double what we currently spend, after we retire. I wanted to spend 50% more. It is only a couple more years of working an...
by Slacker
Mon Nov 06, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9622

Re: Disposable income... how?

An oft recited refrain from another message board I read is very apt here:

Comparison is the thief of joy.
by Slacker
Mon Nov 06, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 73
Views: 8672

Re: Retirement in Arizona - Seeking Advice

It is wonderful today. I am setting by my open back screen door. It is about 65 outside and clear and cool. The weather will be nice every day until about next May before it starts getting hot again. I live in north Phoenix/Paradise Valley suburbs in the city of Phoenix... I have been in the Phoeni...
by Slacker
Mon Nov 06, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Coffee (etc.) machines, late 2017 (K-Cup, Nespresso, etc.)
Replies: 6
Views: 800

Re: Coffee (etc.) machines, late 2017 (K-Cup, Nespresso, etc.)

This is not a great answer for cider and cocoa, but for my money I would go with an aeropress maker if I am only making one or two cups a day. Good beans and a medium coarse grind at the store produce the best coffee for me. Plus it is economical. +1 on Aeropress IF you were only concerned with one...
by Slacker
Sun Nov 05, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7438

Re: Preparing For "Early Retirement" In A Couple of Years

One subject that I haven't seen discussed yet is that of cash flow management and a plan for withdrawals from your various accounts. Basically it's nice to have 1.37 million in financial assets, but when the bills come in from where are you going to take the money to pay them? The majority of your ...