Search found 57 matches

by mikemagz11
Mon Nov 23, 2020 3:53 pm
Forum: Personal Investments
Topic: Roth IRA Beginner
Replies: 10
Views: 658

Re: Roth IRA Beginner

Im a few years older and have all my Roth IRA money in VTSAX. I plan on keeping it like that for a long time.
by mikemagz11
Fri Nov 20, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Worse idea ever
Replies: 30
Views: 4540

Re: Worse idea ever

Are you actually going to drive for Lyft? If so now is a pretty terrible time. If you actually want to do this, look into Doordash, Grubhub, Postmates, Uber Eats, any food delivery service. It's super easy to sign up and all contactless. Will be much safer and no-one will be in your car besides you.
by mikemagz11
Fri Nov 20, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Value of sports memorabilia
Replies: 5
Views: 628

Re: Value of sports memorabilia

Looking at the sales prices of similar items on ebay is almost always the most accurate metric. Occasionally there will be outliers (and often those items will have been re-listed) but it will give you a ballpark. I would advise you, though, that unfortunately items which don't have a certificate o...
by mikemagz11
Tue Sep 08, 2020 3:53 pm
Forum: Personal Investments
Topic: Stock-tracking app
Replies: 24
Views: 1500

Re: Stock-tracking app

I use Stockmaster which is pretty good
by mikemagz11
Wed Sep 02, 2020 7:21 am
Forum: Personal Consumer Issues
Topic: NY State Unemployment Question
Replies: 0
Views: 392

NY State Unemployment Question

I am being furloughed next week from my full time job until January. I work in NYC and plan to file for unemployment. However, I have a part-time remote position where I pay taxes, unemployment, etc. into NJ. I know the NY law says you can still file to get part unemployment if you have a part time ...
by mikemagz11
Tue Aug 18, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8405

Re: Should I become a Professional Gambler?

It depends on what you gamble. I attempted to become a professional poker player during/out of college. If Black Friday never happened, it certainly would have been possible. Having said that, I can't see how I would have lasted very long. The daily grind, swings in bankroll, long days/hours would h...
by mikemagz11
Tue Jun 30, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47526

Re: College in fall

Anyone believe that college in the fall will be anything other than online learning? The amount of spread seems uncontrollable . I work at a college in NYC and we are planning to have kids on campus with a hybrid between partial in person classes and online classes. Most schools seem to be planning...
by mikemagz11
Fri Jun 26, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Gambling winnings/losses on taxes
Replies: 11
Views: 752

Re: Gambling winnings/losses on taxes

I had the same issue last year for more than that. Tried deducting all the winnings but wasn't able to since I didn't itemize.
by mikemagz11
Tue Jun 23, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: How do restaurants add value?
Replies: 8
Views: 1040

Re: How do you restaurants add value?

Not having to cook, not having to get a million ingredients to make a certain dish, socializing with friends/family, watching a sporting event at a bar, ordering food I wouldn't normally make at home.
by mikemagz11
Mon Jun 22, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Keeping documents safe
Replies: 20
Views: 1385

Re: Keeping documents safe

I keep my important documents in a safe in my apartment. I guess it could burn down/be robbed but the odds are unlikely.
by mikemagz11
Wed Jun 03, 2020 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1999
Views: 485610

Re: Share your net worth progression

Below is my net worth. I make significantly less than most on here and never really had a good savings plan until I joined this forum a few years ago. 2016: -11k 2017: 4k (debt free) 2018: 18.5k 2019: 43k Current: 75k Have really ramped up my savings rate and have earned a significant amount more o...
by mikemagz11
Tue Jun 02, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1999
Views: 485610

Re: Share your net worth progression

Below is my net worth. I make significantly less than most on here and never really had a good savings plan until I joined this forum a few years ago. 2016: -11k 2017: 4k (debt free) 2018: 18.5k 2019: 43k Current: 75k Have really ramped up my savings rate and have earned a significant amount more ov...
by mikemagz11
Thu May 28, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: 55+ communities - with or without golf course?
Replies: 13
Views: 1435

Re: 55+ communities - with or without golf course?

My parents live in a 55+ with a golf course and don't think it has anything to do with the HOA. The course is public so not sure if that is one reason.
by mikemagz11
Sun May 10, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loans and Inflation
Replies: 4
Views: 590

Re: Car Loans and Inflation

My last car loan was for 5 years at 0% interest. Made the same $320 payment for 5 years. Inflation doesn't matter.
by mikemagz11
Mon Apr 27, 2020 11:05 am
Forum: Personal Consumer Issues
Topic: eBay, PayPal, or Mastercard for resolution?
Replies: 12
Views: 554

Re: eBay, PayPal, or Mastercard for resolution?

eBay almost always takes the buyers side so it shouldn't be an issue if you don't receive it. When does it say it was shipped? I sell stuff on eBay and lately its taken a few days to show up in tracking.
by mikemagz11
Sun Feb 23, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6814

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

I've lived in Jersey for my 31 years in existence except for college and wouldn't imagine living anywhere else. My brother used to live in Fair Lawn and it is for sure expensive but nice area.
by mikemagz11
Sun Dec 29, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 371
Views: 57191

Re: Low-earners- What is your profession?

Work in college athletics making $47.5k in a hcol. Luckily I'm getting my masters for free from the school I work at to make it worthwhile. Work in the same profession but started a new job in July making $66.5k and have a part-time job that makes roughly 10k. Maxing out my Roth for the first time ...
by mikemagz11
Sat Dec 28, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: [Golf] in Orlando
Replies: 18
Views: 1172

Re: [Golf] in Orlando

Waldorf Astoria is one of my favorite courses I've ever played. The Disney courses are nice but overpriced.
by mikemagz11
Sun Jul 14, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 9027

Re: No A/C in Office [not a safe work environment]

Work from home until it's fixed?
by mikemagz11
Mon Jul 08, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Where to sit @ Fenway Park?
Replies: 11
Views: 942

Re: Where to sit @ Fenway Park?

I've sat in the outfield bleachers in both center field and right field and never had any issues seeing. The prices were always under $100 for Yankees/Sox
by mikemagz11
Sat Jun 08, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: eBay Best Offer Shipping Options
Replies: 1
Views: 218

Re: eBay Best Offer Shipping Options

The seller can send you an invoice before you pay and change the price however they want. I would contact the seller first to see before submitting an offer.
by mikemagz11
Tue Apr 09, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7689

Re: How Much Do You Pay For Haircut?

$25 + $5 tip every 3-4 weeks tip for a fade and beard shape up. Worth it to look good.
by mikemagz11
Fri Apr 05, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: What happens if I put more than 30 bills into ATM?
Replies: 21
Views: 4523

Re: What happens if I put more than 30 bills into ATM?

Never had any issue with it incorrectly counting the money I put in.

One time it ate $200 I put in and it was after the branch was closed. Called the bank and they put the money in my account two days later.
by mikemagz11
Sun Dec 23, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 8603

Re: What was your best investment in 2018?

Graduating with my masters for free
by mikemagz11
Tue Aug 21, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Do Universities "Bait and Switch" Financial Aid?
Replies: 16
Views: 1643

Re: Do Universities "Bait and Switch" Financial Aid?

I work at a college and this doesn't happen. Financial aid has nothing to do with the school and everything to do with your finances. If you're talking about scholarships, as long as they meet the requirements to maintain them each year, they won't lose it.
by mikemagz11
Sat Mar 31, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 15719

Re: Underrated places to visit in U.S.?

OK, the thread title says underrated, but are we talking about truly underrated or just off the beaten path and relatively unknown? Because with Yelp, etc. there are few places that are really underrated. Even when you find some little hole-in-the-wall place that is generally off the radar, it ofte...
by mikemagz11
Sat Mar 31, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 15719

Re: Underrated places to visit in U.S.?

Since you mentioned Buffalo, could do a few days in NYC and then drive up to Buffalo. Best of both worlds.
by mikemagz11
Wed Mar 21, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 11372

Re: Drink package on Royal Caribbean, worth it?

This is an interesting question. We might take a cruise one day. I prefer beer, but am OK with vodka and fruit (orange or grapefruit preferred) juice. Shots would be fine. Wife likes tea (herbal) and lime coke. I was thinking we'd smuggle on a couple bottles of vodka, and a box of tea bags. Is this...
by mikemagz11
Tue Mar 20, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: Drink package on Royal Caribbean, worth it?
Replies: 73
Views: 11372

Re: Drink package on Royal Caribbean, worth it?

I've gotten it multiple times and it was well worth it. In your case, it will probably be close to break even. Are you both soda drinkers? If so, it includes the soda package and would then be worth it.
by mikemagz11
Sun Mar 18, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 7850

Re: Amazon Prime Going Sideways/Weird Shipment Problems

I'm surprised to see people having issues. Maybe it's location, but I've ordered hundreds of items using Prime over the past few years and not a single one has come late.
by mikemagz11
Thu Mar 15, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Should I close this Credit Card?
Replies: 17
Views: 2333

Re: Should I close this Credit Card?

Thanks everyone for the replies. I have three other cards that offer much better rewards with higher limits. The consensus seems to be to keep it open and use it a few times a year, so that's what I'll do.
by mikemagz11
Thu Mar 15, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Should I close this Credit Card?
Replies: 17
Views: 2333

Re: Should I close this Credit Card?

I am much older than you and still keep a few older cards to help the length accounts open metric (I do churn credit cards here and there). I would just keep the card. That being said, I think we are typically talking a relatively small hit. It is probably more of psychological impact rather than p...
by mikemagz11
Thu Mar 15, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Should I close this Credit Card?
Replies: 17
Views: 2333

Should I close this Credit Card?

I have a student credit card still with only a 1k limit on it. I have been out of college for six years and only have two reoccurring expenses that I use on it. I plan on switching those expenses to another credit card so I won't be using it at all. Am I better off closing the card or just cutting i...
by mikemagz11
Thu Feb 22, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 2363

Re: Caribbean Cruise 1st timer Cash or Card?

1st cruise ever. Taking whole family. Meals are included in price of cruise. How much money do you need for other stuff? Is it best to take cash or use plastic? Will be going to Cozumel, Grand Cayman, and Jamaica. I've been on many cruises and mostly pay cash at the ports. Everything bought on the ...
by mikemagz11
Thu Feb 15, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Hyundai Elantra- Used car
Replies: 3
Views: 483

Re: Hyundai Elantra- Used car

I have a 2015 Elentra Limited and love it. It has a rear view camera, about 70k miles and big issues yet. I rented a 2017 over the summer and hated it.
by mikemagz11
Tue Feb 06, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 19580

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Email from Quicken: We are writing because a recent transaction you made on Quicken.com for $0 was an error. What Happened? An unauthorized test link offering a $0 purchase of Quicken Premier was inadvertently exposed to the public. Then, links to this unauthorized test page were posted on several p...
by mikemagz11
Sun Feb 04, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 19580

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I just downloaded this on a Mac and it worked. Why are people waiting to download? Once it's downloaded there's nothing they can do. They can't go ahead and charge you the price it should have been if it's a mistake. You agreed to pay $0, not whatever it normally is. Quicken is now a subscription s...
by mikemagz11
Sun Feb 04, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 19580

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

I just downloaded this on a Mac and it worked.

Why are people waiting to download? Once it's downloaded there's nothing they can do. They can't go ahead and charge you the price it should have been if it's a mistake. You agreed to pay $0, not whatever it normally is.
by mikemagz11
Mon Jan 22, 2018 8:35 pm
Forum: Personal Investments
Topic: Advice for first job with benefits at 28
Replies: 8
Views: 995

Re: Advice for first job with benefits at 28

Thanks for the warm welcome everyone! I think I will make contributions for 2017 while I can. Math wizard, that sounds like a fine idea. I wonder why we even have savings accounts anymore??? Everything I've read pointed me in the direction of the Roth instead of the traditional IRA. Curious.... In ...
by mikemagz11
Mon Jan 08, 2018 8:57 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 20366

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

Why not just having a running milestone thread that people can post their milestones if they want?
by mikemagz11
Thu Jul 20, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 11608

Re: Would you let your teenager spend all his savings on a gaming computer?

Colleges are starting to add esports teams and giving out scholarships so maybe he can turn it into a full ride somewhere :sharebeer
by mikemagz11
Wed Jul 12, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 192
Views: 20308

Re: Seeking advice on 1.2m (now 900K) house purchase

Uncle Pennybags wrote:
pekkle wrote:And where do you come from?
NJ as far away as I can get.
I'm from Jersey too and my brother just bought a house in North NJ and almost every house they put an offer on went for over the asking price.
by mikemagz11
Sun May 07, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: College Reunion Vacation
Replies: 13
Views: 1353

Re: College Reuion Vacation

Jersey Shore, Virginia Beach, Myrtle Beach, Hilton Head, Anywhere in Florida
by mikemagz11
Thu May 04, 2017 9:37 pm
Forum: Personal Investments
Topic: NJ Retirement plan - which one to choose?
Replies: 2
Views: 454

Re: NJ Retirement plan - which one to choose?

I work at a college in NJ too and have TIAA. Seems pretty good, er's are decent and had pretty good choices.
by mikemagz11
Sat Apr 15, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 118
Views: 20742

Re: Dealership rejecting rebate after contract signed

Didn't both sides agree to set monthly payments? That's what should have been signed off in the contract and wether or not the rebate is accepted should be irrelevant.
by mikemagz11
Mon Apr 03, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 371
Views: 57191

Re: Low-earners- What is your profession?

Work in college athletics making $47.5k in a hcol. Luckily I'm getting my masters for free from the school I work at to make it worthwhile.