Search found 293 matches

by djpeteski
Fri Dec 08, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2739

Re: Work from Home Jobs

RRAAYY3 wrote:
Wed Dec 06, 2017 12:11 pm
freelancing ?

https://www.fiverr.com/
Fiverr is freaking horrible.

I would checkout: https://www.flexjobs.com/ There is a small fee to join, but they specialize in flexable work arrangements.

Alternatively you can check the usual suspects: Dice and Monster and look for remote jobs only.
by djpeteski
Tue Dec 05, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Disputing a charge against an auto repair shop, should I give them another chance to make it right?
Replies: 17
Views: 1557

Re: Disputing a charge against an auto repair shop, should I give them another chance to make it right?

A thermostat and hose seem to be a "3" on the difficulty scale of car repairs. Even when I was flat broke, I would check hoses anytime I was replacing another hose or the thermostat. It just is not worth the hassle. Given your version of events it is safe to assume that this shop is incompetent. The...
by djpeteski
Tue Dec 05, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 5618

Re: Mortgage is About To Be Paid - I'm Scared!

Any advice on how your mind changes once you have no debt? Any advice on how to be OK holding large sums of accounts? I am used to being 'under' something that I'm trying to get paid off. I am not used to having something and being on top of it. Thank you. It will take some getting used to, for us ...
by djpeteski
Tue Dec 05, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance - Cancel or Keep?
Replies: 9
Views: 891

Re: Whole Life Insurance - Cancel or Keep?

At the time, I thought it would be a great idea to convert that to a Whole Life Policy with John Hancock. Based on what I know now, that was probably the wrong thing to do, It was. However, small potatoes as far as poor financial decisions. Best thing to do now, cut your losses and move on. My fina...
by djpeteski
Mon Dec 04, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2240

Re: Family Finance Meeting Agenda

Bigger question for me is HOW do you get your significant other who has no interest in finances to have the meeting in the first place. Good luck. Your SO might have friends that have been burned by their partners. They offending party may have hidden CCs that are run up to the limit, cheated on ta...
by djpeteski
Mon Dec 04, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Family Finance Meeting Agenda
Replies: 23
Views: 2240

Re: Family Finance Meeting Agenda

- How often do you sit down to talk? Monthly. We also do a special goal setting meeting yearly, every January. One of my goals this year, will be to have a goal review meeting quarterly. - What assessments do you use to track how you are doing (spending plans, etc)? Monthly budget, we each have a se...
by djpeteski
Fri Dec 01, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Win Bigly - Scott Adams
Replies: 26
Views: 3678

Re: Win Bigly - Scott Adams

Sandtrap wrote:
Fri Dec 01, 2017 11:17 am

My experience in persuasion is from car salesman, financial advisers, friendly brokers, and time share salesman. I hypnotize them with the sound of the door closing as I leave.
Awesome. :sharebeer
by djpeteski
Fri Dec 01, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 63
Views: 4629

Re: 2018 Goals - Financial or Otherwise

1. Run 3 Sprint distance triathlons this year. One I would like to be a half Olympic distance 750m/20km/5km 2. Run a 10k 3. Contribute the max to our 401Ks 4. Explore and record my dreams for myself and my family. 5. Implement plans to make #4 happen As far those who are seeking to lose weight, I fi...
by djpeteski
Fri Dec 01, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3465

Re: housing for in-laws

How about a big man cave in the basement, complete with TV/bar/fridge/Hobby, so you have a place to hide out when needed? Spring for extra sound insulation. I think maybe it's too many people in one space for your comfort, but a get away place might be what you need more than an extra kitchen. Mayb...
by djpeteski
Thu Nov 30, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3255

Re: Older Software Engineer Advice ~ Languages?

It really comes down to what people are hiring in your local area, or if interested, your target area for relocation.

Given your comments, get back into ASP.net.

Angular seems to be on the down trend, but if you wanted to pick up a new language I would look at ReactJs.
by djpeteski
Wed Nov 29, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason to invest in real estate?
Replies: 98
Views: 7219

Re: Is there any reason to invest in real estate?

The big advantage of RE is that I can put sweat equity into rental properties. What is stopping someone from putting sweat equity into the market? I am able to work overtime at my job, a portion of that goes into my after tax account. Monday night, I picked up a discarded dishwasher, I pulled out t...
by djpeteski
Wed Nov 29, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to minimize taxes for sole proprietors (1099)?
Replies: 9
Views: 478

Re: Best way to minimize taxes for sole proprietors (1099)?

You are best to see an accountant for this, I don't know the details but the general principles are: Set up an LLC as an S-Corp. Pay your self a relatively low salary, there has to be some justification for this, see an accountant for details. Usually during your first year you don't have to take a ...
by djpeteski
Wed Nov 29, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: When to tell the SO about my financial situation?
Replies: 109
Views: 5437

Re: When to tell the SO about my financial situation?

I dated a girl who, just about the time when we got together, lost her full time job. She continued to do the work part time, but it brought in no where near the income that she had when she did it full time. When she found out about my income, she expected me to fully support her, including making ...
by djpeteski
Wed Nov 29, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Fidelity Brokered CDs
Replies: 3
Views: 588

Fidelity Brokered CDs

I could call and get an answer from a human, but going through the security....

I have a Fidelity Brokered CD that matures tomorrow.

Can I purchase a secondary CD today, and use the money from the maturing CD to settle the purchase?
by djpeteski
Tue Nov 28, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: 401 K Loan or Line of Credit with higher interest ?
Replies: 5
Views: 442

Re: 401 K Loan or Line of Credit with higher interest ?

I'd prefer you get the HELOC given the binary choice. Hopefully paying this high interest rate will encourage you to lean in and get this paid off in less than a year.
by djpeteski
Tue Nov 28, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Recommendations for New Doors
Replies: 0
Views: 177

Recommendations for New Doors

Because of Hurricane Irma I need new front and back doors. They were the cheap gypsum core doors and the sideways rain caused them to swell and neither close correctly. Currently I am leaning toward a steel door for the front and fiberglass for the rear (french style). The rear faces a lake, and are...
by djpeteski
Tue Nov 28, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8461

Re: Can I afford a $1,400,000 house

I'm sorry this is killing me with your income. Debts - Student loans - $315k - Car loan - $25k Pay this down then look for a house. Agreed. Looking at your financials, I have to shout: No! Your emergency fund is meager (for your income and potential expenses), and your student loans are ridiculous....
by djpeteski
Mon Nov 27, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7740

Re: CNBC says Vanguard says 70% Chance of "Correction"

Doesn't it correct every day/hour/second/millisecond?
by djpeteski
Mon Nov 27, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: best cordless drill??
Replies: 71
Views: 4283

Re: best cordless drill??

I lived with a crappy black and decker set for years. When I do a repair myself, instead of pay someone and I save a bunch of money, I purchase myself a tool. This time it was the drill set. I got this set: https://www.amazon.com/gp/product/B00INRZ5VG/ref=oh_aui_detailpage_o00_s00?ie=UTF8&psc=1 It a...
by djpeteski
Mon Nov 27, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 7565

Re: Discovered debt

fenyahyhi wrote:
Fri Nov 24, 2017 12:10 pm
Makes me grateful my husband and I each look at every dollar that gets spent
+1 Good for you guys. :sharebeer We do the same.
by djpeteski
Wed Nov 22, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2944

Re: Discover Card Change in Terms

We always close any financial accounts including credit cards as soon as we have no intention of wanting them or using them anymore. The hit to credit scores is negligible. Our scores are similiar to yours. There is no additional prizes for having an ultra high credit score once you get above 750 o...
by djpeteski
Wed Nov 22, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Refinance to 15-Year Fixed or Not?
Replies: 10
Views: 609

Re: Refinance to 15-Year Fixed or Not?

If it was me, I'd do it. Rates are climbing. However, I would also look into something different. The last time I re-fi'd I went with a Home Equity Loan in first position. There were no other liens on the house. I got an ultra low rate (2.62%) and no closing costs. In order to get that rate I went w...
by djpeteski
Wed Nov 22, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: How do you define success in your life?
Replies: 46
Views: 2010

Re: How do you define success in your life?

To crush your enemies. See them driven before you. And to hear the lamentations of their women.

Sorry I am ready for the holiday weekend.
by djpeteski
Tue Nov 21, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Time for my checkup - **Warning - long post**
Replies: 16
Views: 1895

Re: Time for my checkup - **Warning - long post**

I will look into LTDI. Based on my limited understanding to date, really want to make sure the replacement is for same job and that there is consideration for income replacement typically 50-60% and term that go into premiums. When do you typically remove this and who are the best insurers? When do...
by djpeteski
Tue Nov 21, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Newly built home. sell or rent?
Replies: 29
Views: 1877

Re: Newly built home. sell or rent?

jfn111 wrote:
Mon Nov 20, 2017 12:47 pm
I would sell it. In less you have definite plans to return, trying to be an absentee landlord is probably more hassle than you want.
+1, or 100 whatever suits your fancy.
by djpeteski
Tue Nov 21, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Time for my checkup - **Warning - long post**
Replies: 16
Views: 1895

Re: Time for my checkup - **Warning - long post**

Questions: 1. Do we need more insurance coverage? I've considered a $1M umbrella policy because they're pretty cheap, but not sure we need one. Not really too sure if we need LTCI/LTDI, but open to suggestions/reading on how to evaluate. I would think about adding the umbrella policy soonish. For s...
by djpeteski
Tue Nov 21, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Year end windfall and job loss
Replies: 16
Views: 2425

Re: Year end windfall and job loss

Flexibility and safety-first in times of change and stress. Option 2. +1 +1. KlangFool + +1 In uncertain times cash is king +1 here, and I am a no debt kind of guy. Once your wife lands the new job, make these loans go away. The $467 net you are paying to keep both the loans and the cash is "small ...
by djpeteski
Tue Nov 21, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10421

Re: What are the things you want to do between 55 and 65?

For me before 55;

Do the bike "race" from Miami to Key West
Do an Olympic distance Triathlon
Do some Treking in Nepal

I hope to continue Sprint distance Tri's well into my 70's
by djpeteski
Tue Nov 21, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Transportation from Orlando Airport to Port Canaveral
Replies: 7
Views: 778

Re: Transportation from Orlando Airport to Port Canaveral

One solution would be to stay in Orlando, then have one of the shuttle providers take you directly to the cruise. Did you see this page: https://www.orlandoairports.net/parking-transportation/ ? They have private transport companies that service that area. I am pretty sure one of those would operate...
by djpeteski
Fri Nov 17, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Suggestions for 1st week vacation in 2018?
Replies: 21
Views: 1319

Re: Suggestions for 1st week vacation in 2018?

We love Aruba, and want to get to Curacao for a week or so. We will be going to both on a cruise ship in December, which will make our third time in Aruba in 2017. Flights from Orlando leaving 1 Jan and returning 7 Jan to Aruba are less than $600. There are plenty of timeshares on Aruba, and one can...
by djpeteski
Fri Nov 17, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 744

Re: Dive computer recommendations

My wife is small, her BCD size is 2XS in a Aqualung Soul i3. I strongly recommended her getting a console mounted dive computer after she classified my dive computer as too big (Oceanic Geo 2.0). Instead she got the Tusa DC Solar in pink. It is slightly bigger than mine but she loves it. It is very ...
by djpeteski
Fri Nov 17, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5106

Re: My dad's army jacket

Thank you and I fully understand and respect the uniform and rules. So, when the army discharges you with wool coats--they would prefer that they are not used even by someone in need? I would like to donate a very warm, thick large coat that was also issued--my church is in need of winter coats. Ha...
by djpeteski
Fri Nov 17, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5106

Re: My dad's army jacket

I am a vet 4 years USMC, 6 years Army, but have not heard a shot fired in anger. I would support you wearing the jacket, and would strongly recommend you do not remove the patches. The pins are one thing, the patches a whole different story. Stolen Valor https://en.wikipedia.org/wiki/Stolen_Valor_Ac...
by djpeteski
Fri Nov 17, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 1755

Re: Christmas Vacation on a budget

spammagnet wrote:
Thu Nov 16, 2017 11:04 pm
Alexa9 wrote:
Thu Nov 16, 2017 4:41 pm
I would imagine Puerto Rico is itching for tourists.
Shipping costs for potable water would put a damper on your vacation budget. :)
Potable water is only necessary if you are a carbon based life form. Everyone has limitations.
by djpeteski
Fri Nov 17, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: To buy or not to buy...house buying question (budget)
Replies: 17
Views: 1786

Re: To buy or not to buy...house buying question (budget)

If I was you, I'd stop the back door ROTH. There is no reason to do it as your income tax rate is super high. I also would not buy until I had a good down payment and were done with the student loans. At your salary and savings, this could be done in short order. One scenario is you empty your savin...
by djpeteski
Thu Nov 16, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing help family of four....Do nothing?
Replies: 22
Views: 1948

Re: Investing help family of four....Do nothing?

95K left on my mortgage (3.75% 15 yr) Zero debt Married: 2 kids (10th grader/8th grader). I'm sole breadwinner 45 yrs old Total portfolio: approx 180K in taxable savings sitting earning 1% APY in a bank account 325K in Vanguard 2015 target retirement fund Rollover IRA (from old employer) Contributi...
by djpeteski
Thu Nov 16, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Help with Understanding How to Handle Bonus
Replies: 51
Views: 4111

Re: Help with Understanding How to Handle Bonus

Congratulations on your bonus, may you earn many more. You've presented us and yourselves with a binary choice: pay down the student loans or invest in your retirement. Pick one of those, you win. Pick the other well you win too. If it was me, I would put it towards the student loans and be done wit...
by djpeteski
Wed Nov 15, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4724

Re: Fair way to split expenses?

To me, the underlying issue is that the two of you are not on the same page when it comes to finances. What you are proposing masks and delays the issue rather than addresses it. That is not to say such a relationship can not work, it really depends on the two of you. My wife and I have separate acc...
by djpeteski
Wed Nov 15, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Florida slip & fall advice? Helping my parents
Replies: 11
Views: 915

Re: Florida slip & fall advice? Helping my parents

And you would think that there are less slip and fall accidents in Florida due to no ice. Sorry for her injury. So nothing is stopping you from making an inquiry to a lawyer and kind of figuring out what their net would be. Then negotiate from there. I think it is wise to see the extent of her injur...
by djpeteski
Wed Nov 15, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Taking RMD'S
Replies: 15
Views: 1564

Re: Taking RMD'S

This may be old news to some, but I learned it hear a few weeks back and provided the advice to my mom. If you contribute to charities anyway, you may want to direct those RMDs to a charity of your choice. This will make them tax free. https://personal.vanguard.com/us/insights/article/QDC-RMD-tax-br...
by djpeteski
Tue Nov 14, 2017 7:16 am
Forum: Investing - Theory, News & General
Topic: At what rate of return would you keep a whole life policy?
Replies: 21
Views: 1505

Re: At what rate of return would you keep a whole life policy?

If you have a $50k policy and the cash value grows at 5, 10, 15%, I'm not sure how that helps. If the person dies, the policy pays $50k. The cash value is gone. What good was the "growth"? If you cash the policy and get the growth (before the death), then you pay taxes on the growth. Would the retu...
by djpeteski
Tue Nov 14, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Did you want to set up a payment plan for that?
Replies: 19
Views: 2427

Re: Did you want to set up a payment plan for that?

We needed a mattress a couple of years back. The sales guy could not imagine anyone with the ability to pay cash for a ~$1000 mattress. Whatever.
by djpeteski
Tue Nov 14, 2017 6:34 am
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5833

Re: College student... Financial mess... Need advice...

Thanks to all for the helpful advice. I told the landlord I’m done, out, gone, after I paid the November rent in good faith. The landlord issued a new lease to my ex girlfriend solely in her name. She is planning to find a roommate but that is not my concern. I’m just happy that my name is off the ...
by djpeteski
Fri Nov 10, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Updating Will To Add Additional Child
Replies: 6
Views: 474

Re: Updating Will To Add Additional Child

We have the option to add some free legal assistance in our open enrollment this week for $10/month, which includes will/estate work for free, so that could be a less expensive option as well if needed. That is what I did to get my wills done. Paid $10 a month to get family wills done through legal...
by djpeteski
Fri Nov 10, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37665

Re: Did you tell anyone you paid off your mortgage?

If you’ve ever been in a situation of scarcity where resources are non existent or you have been on the steps of being or have been evicted- you would know what it means. You have to first walk in someone else’s shoes to know what it means. So very true. Also consider this: The asset will never be ...
by djpeteski
Fri Nov 10, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4136

Re: Septic tank - deal killer?

With a septic tank, one does not pay for sewer, so there is a monthly savings. In some places it can be very significant.
by djpeteski
Fri Nov 10, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for repaying wife's law school loans
Replies: 23
Views: 2029

Re: Strategy for repaying wife's law school loans

You make 200K per year. Be done with this in 12 months. Why bother playing the loan forgiveness game?
letsgobobby wrote:
Fri Nov 10, 2017 9:37 am
You've bought a wedding and an expensive house. Time to pay your debts. Buckle down and knock it out in two years and move on with your lives.
So true.
by djpeteski
Fri Nov 10, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: term insurance renewal, now i'm high risk - "special situation"?
Replies: 17
Views: 1602

Re: term insurance renewal, now i'm high risk - "special situation"?

Given the stated objective you may want to look into mortgage life insurance through your lender. These are often sold at a group rate with no medical required. Another alternative is to obtain insurance through work. The fact that you are rated can only be hidden by obtaining insurance without an m...
by djpeteski
Fri Nov 10, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8339

Re: $23k credit card emergency

delete