Search found 87 matches

by 41Fin
Fri Oct 05, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Can't handle being in debt (mentally)
Replies: 42
Views: 5017

Re: Can't handle being in debt (mentally)

In the larger picture, is it not feasible to claim that the mental/motivational reward he gained from this which will propel him forward and set the pace/path for his future financial life worth the squeeze of 11k? Yes he took the easy way out, but it is not like he did not use funds he worked for ...
by 41Fin
Wed Sep 12, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2192

Re: 401k "advice" to my associates

Unfortunately for you, people don't change their habits until they have that "Ah-ha" moment and become ready to. No pods/blogs/vlogs or anything else will kick start long term change. The only thing you really can do (if you can) is make it so that you have to opt out of the 401k match. At my curren...
by 41Fin
Thu Sep 06, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?
Replies: 34
Views: 4316

Re: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?

You’d probably get fired for bad performance metrics since you wouldn’t be making them money.
by 41Fin
Wed Sep 05, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4428

Re: Experience With No Car? (Uber/Lyft)

barnaclebob wrote:
Wed Sep 05, 2018 11:05 am

One concern of mine would be that uber drivers finally wise up and realize that their cars do depreciate faster which could drive prices up.
That wouldn’t concern me, there will always be folks in need of short term cash who can’t afford to care about long term side effects.
by 41Fin
Wed Sep 05, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5921

Re: Elderly (innocent) relative received this horrible email

While this is probably a scam webcams do get hacked and videos leaked. I don’t use my computer much but I always keep a piece of tape over the camera just Incase
by 41Fin
Thu Aug 30, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9931

Re: How do you save money on groceries?

Best way is by not wasting what is purchased and basing recipes off of what is in he house. MY wife will cook something that requires 3 tablespoons of "Special sauce #7" but spend $5 on a bottle of it that ends up getting thrown away later I've been trying to make a better effort in regards to eatin...
by 41Fin
Thu Aug 23, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10503

Re: I own 1,387 items!

How do you count tools? My lift is easy to count as one item if I include the 2 removable ramps and 4 ramp stops in that one item. What about my tools? Do I just say 1 item, "tools"? Or would I count 5 adjustable wrenches, 1 1/2" socket wrench, 1 1/2" breaker bar, 2 1/2" torque wrench, 15 metric bo...
by 41Fin
Sat Aug 18, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Non-owner contributing to home renovations: what's fair?
Replies: 39
Views: 2556

Re: Non-owner contributing to home renovations: what's fair?

If you accept the “gift” be prepared to give a “gift” when her house gets worked on.
by 41Fin
Thu Aug 16, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6188

Re: Terminating an employee with company car

Just be a decent human being about it. If you want you could drive him/her home. And return with the car. Give them some respect & dignity. I've had to do it & it isn't fun If I was just terminated unexpectedly, I don't think I would want to have the awkwardness/unpleasantness of sitting next to th...
by 41Fin
Thu Aug 09, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9496

Re: Biggest Threats to Financial Well-Being

The internet...

Never has it been so easy to part with your money either willingly or through peer pressure.

Ironically enough, the internet is also the biggest resource to financial well-being.
by 41Fin
Fri Aug 03, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7087

Re: DW job in dangerous area

But a gun, learn how to shoot, carry the gun. She probably wouldn't be able to get a permit to do that at school and the penalty for doing so illegally is up to $5k or 5 years under federal law and she would almost certainly lose her job, as well, which undermines taking the job in the first place....
by 41Fin
Thu Jul 26, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Any Accountants here?
Replies: 10
Views: 1352

Re: Any Accountants here?

If you already have a degree, I would look at a certificate program as it will give you what you need to sit for the CPA (if you choose). At my previous job, the guy who knew accounting and the financial system was probably the only person on the floor who was irreplaceable and got paid as such. Of ...
by 41Fin
Wed Jul 18, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to France in June 2019 - ADvice ?
Replies: 28
Views: 2069

Re: Planning a trip to France in June 2019 - ADvice ?

The FIFA Women’s World Cup is taking place next June in France.

Will be a more popular time than usual in country that months.

Depending on your interest it could be something of interest, something to avoid or something of no consideration at all.
by 41Fin
Wed Jul 11, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Living above means until March 1st
Replies: 16
Views: 2216

Re: Living above means until March 1st

If the situation is truly short term then take solace in that. some people don’t know where their next meal will come from. Those are the ones with hardship.
by 41Fin
Fri Jul 06, 2018 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching local communities how to save/invest
Replies: 12
Views: 1006

Re: Teaching local communities how to save/invest

If the target market is young people, I would focus putting content on a form of media (podcast/youtube etc) instead of aiming for local community centers and schools. There are no barriers to entry and your content will have unlimited reach to the world. Put together a couple of basic videos that g...
by 41Fin
Thu Jun 07, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 5628

Re: daughter wants a college transfer?

The reasons may be trivial to you but if they matter to her than that’s all that matters.

Her life at the end of the day.
by 41Fin
Tue May 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6682

Re: How have you upgraded your wardrobe?

Polo and those brands usually have a friends and family sale which is 20-25% off and is a good time to purchase. Same for Bloomingdales and Nortstrom who has their semi annual sale with good prices. I usually try and get one of two pieces during those times. I also follow Frugal Male Fashion on Redd...
by 41Fin
Tue May 15, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1848

Re: Interesting/Playful ideas for 1 year baby

My daughter is a couple months older but loves her water table https://www.bedbathandbeyond.com/store/product/little-tikes-reg-spiralin-39-seas-waterpark/1060044198?skuId=60044198&mrkgcl=609&mrkgadid=3252392417&rkg_id=h-8c1d3b70786658e3764b88dbbd48bf62_t-1526402394&mcid=PS_googlepla_nonbrand_baby_on...
by 41Fin
Fri Apr 20, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: So many problems I can't even figure out how to prioritize them
Replies: 27
Views: 3072

Re: So many problems I can't even figure out how to prioritize them

Dottie57 wrote:
Fri Apr 20, 2018 2:48 pm
bh7785 wrote:
Fri Apr 20, 2018 2:29 pm
Sounds to me like the NES and SNES should be priority items.

What is an NES , SNES?
Nintendo Entertainment System & Super Nintendo Entertainment System.
by 41Fin
Tue Apr 03, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Travel to Dominican Republic
Replies: 17
Views: 2043

Re: Travel to Dominican Republic

SquawkIdent wrote:
Tue Apr 03, 2018 1:54 pm
Bring $20 cash for your two "tourists" cards ($10 each).
Buy your tourist card online before you go to avoid waiting in line.

http://www.dgii.gov.do/tarjetaTuristica ... fault.aspx
by 41Fin
Wed Mar 07, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Flight to Paris etc
Replies: 33
Views: 3841

Re: Flight to Paris etc

Public transportation is great in Paris. Just remember to hang on to your ticket while you are underground. They have inspectors underground who have random checkpoints trying to catch turnstile hoppers. My father in law got caught without and had to pay a fine of 40 or 50 euro. For lodging, we used...
by 41Fin
Tue Feb 13, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 4469

Re: Home buying: how to send postcards to neighborhood we want to live in?

To me, the question isn't how to get the addresses as those can be obtained via google maps but how to get people to actually read my postcards.
by 41Fin
Mon Jan 29, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10256

Re: Neighbor recently burgalerized - Suggestions for home security

A good lock or strong door frame doesn't matter if there is glass withing reaching distance of the lock itself. The glass can be broken and the intruder can reach around to unlock it. Cameras won't help catch a thief unless you recognize the person. But a camera in plain view with a sticker on the ...
by 41Fin
Thu Jan 18, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9447

Re: Short Commute or Nicer House?

I traded in living across the street from my job in an apartment to buying a house 30 minutes away (no traffic). A comparable house in my old zip code would have been 150k-200k more so it was a matter of affordability. I could have stayed by my job but I would have been in a townhome with a small ya...
by 41Fin
Fri Jan 05, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 38
Views: 4119

Re: Sling TV experiences

Timely. We just switched to Sling after our cable rates got their annual raise and the cable company wouldn't budge an inch. Cheapest tv plan on top of internet was $40 for local channels only. We switched to Internet only and Sling blue and cut our bill nearly in half. Our only big loss is local c...
by 41Fin
Thu Jan 04, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 14316

Re: Embarrassment Preventing Retirement Work: A factor for you?

I think what you are overlooking, and I'm sure I'll get grief for saying this, is that you won't necessarily be working with people who are similar to you so the social value of working as a checkout clerk might not be what you think. Of course, if you're someone who can blabber for 10 minutes whil...
by 41Fin
Sun Dec 24, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Streaming Eagles-Raiders Game on Christmas Evening
Replies: 7
Views: 1268

Re: Streaming Eagles-Raiders Game on Christmas Evening

https://gamepass.nfl.com/packages?redir ... tchlive_GP

NFL gamepass has an international user option. $50 but they say that there is a free trial period.

Also, probably one of those things you need to cancel in order to avoid automatic renewal.
by 41Fin
Tue Dec 12, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: NBA Tickets
Replies: 24
Views: 1802

Re: NBA Tickets

If your main goal is cheap (i.e., below face value) then your best bet is to buy from a ticket scalper outside the arena *after* the game starts. I’d go stub hub over this option due to their guarantee. Even with the fees, if you buy bad tickets they will get you in with another pair at the buyers ...
by 41Fin
Thu Dec 07, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Okay come clean....How man people share passwords for streaming services?
Replies: 41
Views: 2057

Re: Okay come clean....How man people share passwords for streaming services?

We share netflix with my mother but they allow multiple accounts.

I do share my log in information for WWE network.

I hope all who share are not using a password that they use for any other websites.
by 41Fin
Mon Dec 04, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 3395

Re: How much do you need to drive a car to keep battery charged and everything else OK?

I have a 2002 Camry that I drive once a week on a 30 minute round trip drive. I've been doing this for about 18 months so far with no issue that I know of. This car spends its time in a garage.
by 41Fin
Sat Dec 02, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 90
Views: 9909

Re: Want to sell my Bitcoin, but when?

Since it’s play money I’d sell enough to recoup your initial investment and let the rest ride the roller coaster.
by 41Fin
Fri Dec 01, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 13919

Re: Price of haircut?

Went bald at 24 and have been shaving myself since. If I have a nice event to go to I may pay $10 to have my beard done.

Full cut when I went was $25 w/tip

Shop was in Alexandria, VA
by 41Fin
Tue Nov 28, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 13735

Re: After financial independence, do you lose motivation for work?

My current motivation for working is to set up the next generations of my family.

I may or may not make it to FI before I hit the boglehead forum in the sky but I want the future of my line to be in the best possible shape.
by 41Fin
Thu Nov 23, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: What to do with portable basketball hoop in winter
Replies: 4
Views: 1086

Re: What to do with portable basketball hoop in winter

We leave the water and let it ride since it gets use year round. No issues yet and the hoop has been around as long as I can remember.
by 41Fin
Wed Nov 15, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 5020

Re: Paying for news?

I would just enjoy the free articles. For the Washington Post there is a work around where I can click Reader view(Firefox) and I can read the article for free after I have used my monthly free limit. There is a little book right next to the refresh button that I click to enter reader view. I am no...
by 41Fin
Tue Nov 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 5020

Re: Paying for news?

I would just enjoy the free articles. For the Washington Post there is a work around where I can click Reader view(Firefox) and I can read the article for free after I have used my monthly free limit. There is a little book right next to the refresh button that I click to enter reader view. I am not...
by 41Fin
Sun Oct 15, 2017 5:09 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 98
Views: 8901

Re: What do you buy in Asian food stores?

Thank you, all, for excellent suggestions! And thank you for mentioning H Mart. It turns out that we have several of them in this area, http://nj.hmart.com/weekly-sales-and-events/maryland-virginia/ . The large store where I found natto is Good Fortune Supermarket in the Eden Center, Seven Corners,...
by 41Fin
Tue Sep 19, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 30470

Re: Calling out the not so rich bogleheads

I'm in the shallow end of the pool here but the shallow end of Bogleworld is better than being in the deep end of most other places. At 31 I have $20k in cash saved up (mostly towards home DP), no debt and 75k or so in retirement. I spent most of 2015 cleaning up CC debt and 2016 prepping for a baby...
by 41Fin
Mon Sep 18, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 21
Views: 2509

Re: Super Nintendo Classic edition

Perfect storm of a couple things

High Demand
Not enough supply
Re-sellers using bots to purchase up as many units as they can.

The re-sellers use their bots to get 20 of those things in their carts before you can even get the page to load.
by 41Fin
Fri Sep 15, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 4534

Re: The true cost of Luxury

Kanye West's $120 plain white t-shirt sold out almost instantaneously http://www.businessinsider.com/kanye-designed-items-sell-out-2013-7 Craziest part about the Kanye brand is that it sells out because re-sellers buy it up and put it on ebay for double the price. So if he had the shirt at $200 it ...
by 41Fin
Thu Sep 14, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: [ShopRunner] from AMEX
Replies: 12
Views: 1085

Re: [ShopRunner] from AMEX

I've used it for a couple of orders and have had no issues (never tried a return).

Nice to have options from stores not named amazon and still get my items with the same frequency.
by 41Fin
Tue Sep 12, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 63
Views: 6242

Re: What money to store outside for disaster?

Second, it is damp and I am afraid if I use paper money, it will get moldy and unusable. You could rotate the money every once in a while to keep it fresh. I'm guessing you are already rotating the canned goods and water so you could add this to the list as well. I'm not sure how often you would ne...
by 41Fin
Tue Sep 12, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 23364

Re: Is it really Worth it to brown bag your lunch at work?

I did this early in my career and did feel it negatively impacted my career. Not so much in the networking sense, but I felt it hurt the team dynamic because I didn't eat with them, and it made me dislike my job more as I didn't make friends at work. The company I work for now provides free food, a...
by 41Fin
Sat Sep 09, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 9037

Re: Luxury car: perception vs reality

munemaker wrote:
Sat Sep 09, 2017 9:52 am
Is the purpose of a luxury car to make the owner more comfortable, or is it to project an image of affluence to others?
Depends on the buyer. Some buy for comfort and some but to stunt.
by 41Fin
Sat Sep 09, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 46469

Re: Name something you had to have and now you regret purchasing it?

I wouldn't have had a wedding if I could have done it over again. That $18k could have been a down payment.
by 41Fin
Sat Sep 09, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 9037

Re: Luxury car: perception vs reality

staythecourse wrote:
Sat Sep 09, 2017 8:09 am

Not to steal the thread, but my wife actually wonders how so many random folks can afford a louis vuitton handbag. It is a high end bag yet EVERYBODY seems to have one. How is that possible?

Good luck.
Most are fakes.
by 41Fin
Fri Sep 08, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 10803

Re: Consider freezing your credit

For those "belts and suspenders" types, Chexsystems, offers a security freeze: https://www.consumerdebit.com/consumerinfo/us/es/chexsystems/securityfreeze/index.htm As you probably know, many banks use ChexSystems to vet new account applications. A security freeze would (hopefully) prevent an attem...
by 41Fin
Thu Sep 07, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 7035

Re: Wife believes 7+% returns from stock market are guaranteed

My uncle(whom has never bought an individual stock AFAIK) believes that anybody who can't get at least a 12% return in the stock market is an idiot. His friends tell their victory stories about stocks during card games(While omitting the losses) which lead him to this theory. He was ready to open an...
by 41Fin
Wed Aug 30, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 13681

Re: Companies/Brands You Love?

WWE - Been watching since a kid. I know it's fake but I remember the days when I didn't. I'd be in tears until Hulk Hogan managed to defy the odds every match. Allen Edmonds- Between sales and Amex credit card offers I can usually find a good deal when in need Southwest Airlines Apple Ebbets Field F...
by 41Fin
Sun Aug 27, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Amazon "subscribe and save"
Replies: 20
Views: 1965

Re: Amazon "subscribe and save"

What exactly is Amazon "subscribe and save?" Is this something you sign up? Where's the link for this? (I'm an Amazon Prime member.) Thanks. The link is around the "add to cart" button. Instead of buying one stick of deodorant for $4 you can sign up for a subscription and the deodorant is $3.50. Yo...