Search found 627 matches

by djpeteski
Fri Oct 12, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: How important is it that dentist is member of ADA?
Replies: 13
Views: 1220

Re: How important is it that dentist is member of ADA?

I think it really depends on the stance on Trident for patients that chew gum.
by djpeteski
Fri Oct 12, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: independent advisor
Replies: 21
Views: 1558

Re: independent advisor

I would agree with the other posts. What is so uncommon about your situation? From what you posted so far, nothing. The first thing you need to do is to figure out if you can retire. If the answer to that is "No", you need to find a way to get working again. While not easy in execution, those are pr...
by djpeteski
Thu Oct 11, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14252

Re: Tips for staying active / injury-free into older age

I am not doing sports. I understand that with sports you can get injuries. I was always doing my own yardwork, kept me moving. Now being over 70, doctor says that body parts most moved get injured first due to wear. Not sure I understand this. Just a tad over 70 here and have run for over 46 years....
by djpeteski
Thu Oct 11, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5154

Re: Feeling Guilt among family/peers

...I’m hesitant in talking about it with those closest to me because they find the amount “ridiculous””way too much”, etc... ...I feel like I offend people when I say I’m going on another trip. I’m not in any way bragging; I’m just living my life. Judging only from your original post, you are not y...
by djpeteski
Wed Oct 10, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1336

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

I think the whole place is a rip off. I would avoid it.
by djpeteski
Wed Oct 10, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: self-employed professional - the best way to get things started?
Replies: 25
Views: 2237

Re: self-employed professional - the best way to get things started?

The financial media has a vested interest for you to do things out of order. Your first step, IMHO is to live very frugally and pay off those student loans. Forget about saving for a house how. Holy cow .5 million in loans. I would have a goal of making them go away in 4 years or less. You said "no ...
by djpeteski
Tue Oct 09, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2246

Re: Job Opportunity - Via Staffing Agency

To me this is a pretty standard practice and I doubt that you will get a firm offer ahead of time. This is part of an audition, and they will want to see if you are a good fit for the firm before making you an offer. Really there are three possible outcomes: The first is they offer you a full time p...
by djpeteski
Tue Oct 09, 2018 8:00 am
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1627

Re: Refinace house but how?

mort439 wrote:
Mon Oct 08, 2018 8:43 pm
...and I would have to do the longest term of the loan to afford it.
This indicates that you cannot afford the remodel. Sorry for the bad news.
by djpeteski
Tue Oct 09, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5414

Re: Which is better CD - rates and terms?

Currently on FIDO:


2.1 3 month
2.25 6 month
2.6 1 year

I'd go about a 1/3 in each, favoring the 3 month-er. I don't think we are done with interest rates yet.
by djpeteski
Mon Oct 08, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Planning with around 500K ( helping a friend)
Replies: 11
Views: 1056

Re: Planning with around 500K ( helping a friend)

IMHO it comes down to something the OP said, that the person in question said: "maintaining our current lifestyle", so really its a choice. He is choosing to work well into retirement. For example, if this person could live off of 30k/year, he could retire at age 62 with his current savings. If he i...
by djpeteski
Fri Oct 05, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Switching Careers - From IT to Police Officer
Replies: 37
Views: 4218

Re: Switching Careers - From IT to Police Officer

Every single thing you do will be second-guessed. My son is a state trooper and is using it to his advantage. It helped pay part of his undergrad and is paying a large portion of law school. In the end it will be really good for him. However, in support of Que1999's claims I'd like to relate an ant...
by djpeteski
Fri Oct 05, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3675

Re: Tackling Disney World

To this day, my mother still tells the story of the time we went to Disney when I was younger and the entire time my sister and I complained it was too hot and the lines were too long and wanted to go back to the hotel to swim. One thing about the resort area in Orlando, there are some really nice ...
by djpeteski
Fri Oct 05, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3675

Re: Tackling Disney World - Discount on tickets?

The best deals, typically, for Disney (FL) tickets are for Florida residents. If you buy from the booth you will need to show proof of Florida ID, which out of stater's don't typically have. Now, occasionally Publix will sell tickets from their Florida stores and you can buy them there and they don'...
by djpeteski
Wed Oct 03, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1543

Re: Shows in Las Vegas for 6 and 8 year old

denovo wrote:
Tue Oct 02, 2018 2:36 pm
It must be a while since you've been to Vegas. It's been shuttered since 2013.
It has, sadly. :?
by djpeteski
Tue Oct 02, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1543

Re: Shows in Las Vegas for 6 and 8 year old

Gregory Popovich Comedy Pet Shows. I think they are in Planet Hollywood. That would be my number 1 choice, and its very inexpensive. Tournament of Kings - Excalibur. When I was there, there was a whole festive activity thing going on with plenty of things to do for the kids. The kids might enjoy som...
by djpeteski
Mon Oct 01, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10726

Re: Anyone want to share their monthly budget? Here's ours

Tyrobi wrote:
Wed Jan 24, 2018 4:53 pm

Gift/Charity: $500
Thank you for being one of the few budgets that includes significant charitable giving. IMHO, this is a key part of wealth building.
by djpeteski
Mon Oct 01, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Used Car on Lot for Year and a Half
Replies: 36
Views: 3607

Re: Used Car on Lot for Year and a Half

sunny_socal wrote:
Mon Oct 01, 2018 3:55 am

Sure there is, I have one sitting in my driveway. 2007 Honda Pilot with 130k miles and it's good for another 130k at least. Value $5k.
I'd buy your pilot! :D
by djpeteski
Wed Sep 26, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3727

Re: First-time victim of credit card fraud

To me, what strikes me, is the little amount the credit card companies care about fraud. All they care about is getting a new card in your hand as fast as possible. Of course they pass the cost onto the merchant, and that makes me feel a little bad for them.
by djpeteski
Wed Sep 26, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5131

Re: Vacation without saving adequately?

Yes, however we do a zero based budget and every dollar is accounted for. We have a specific vacation/travel sinking fund and it does not have enough. We have the cash, but we would be taking away from other earmarked expenses we are planning on. When is the trip? I am assuming late November as the...
by djpeteski
Wed Sep 26, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: First time home buyer and Rookie investor looking for advice on home buying process [Updated]
Replies: 20
Views: 1233

Re: First time home buyer and Rookie investor looking for advice on home buying process

Help needed: Because the appraisal is off by close to 2% and on top of the additional required updates needed one part of me says we need to negotiate down closer to $306,000. As we will lose a good few years of appreciation on the house (I understand we don't know the future it will appreciate) so...
by djpeteski
Wed Sep 26, 2018 5:36 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7631

Re: Best way to get $100k cash

Hello, is there any way to get - $100k from like credit card cash advance or some other way - with 0 (or low) fees - with a year of 0% APR. I can pay it off before the 1 year deadline when the 0% APR ends. Basically, I am looking to swap my 3.625% mortgage with 0% credit card loan (with 0% one time...
by djpeteski
Fri Sep 21, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5479

Re: State Farm nickel-and-diming me

You could consider yourself very lucky State Farm is willing to pay any portion of this claim. Despite their marketing, they are pretty terrible.
by djpeteski
Wed Sep 19, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 14
Views: 1906

Re: New job offer

I currently drive about an hour each way, I wish I could ride the hour instead of drive. What you do with that time will make all the difference to your life. If you plan on spending it smoking and drinking, I would say keep your current job. If you can spend it reading, writing, even sleeping I wou...
by djpeteski
Wed Sep 19, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: “Majority of working-age Americans have no retirement savings”
Replies: 73
Views: 4094

Re: “Majority of working-age Americans have no retirement savings”

The median retirement account balance among working-age Americans is zero, according to a research report by the National Institute on Retirement Security, a non-profit research group based in Washington. ... The report found about 80% of working Americans have less than one year's income saved in ...
by djpeteski
Wed Sep 19, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Should I bother meeting with a Chase Private Client Rep
Replies: 56
Views: 4803

Re: Should I bother meeting with a Chase Private Client Rep

You can look at the Chase Private Client site and see if you can derive any benefit from being such. Some people enjoy free or discounted museum admission. Others need the free safety deposit box, or cashier's checks. I think they also used to discount mortgages but I am not seeing that on their sit...
by djpeteski
Tue Sep 18, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Inexpensive source for greeting cards?
Replies: 27
Views: 1598

Re: Inexpensive source for greeting cards?

A couple of times a year my wife takes $50 and buys greeting cards at the local Family Dollar, otherwise known as the "Red dollar store". They tend to have pretty nice cards in the 1-2$ range. I also picked up a couple of nice ones at the "Green dollar store", actually Dollar Tree. She buys them for...
by djpeteski
Tue Sep 18, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2143

Re: New SUV

I'm planning on replacing my '09 Mariner next spring and have my eye on the redesigned 2019 Ford Edge. I've been trying to find something that has the same (or slightly bigger) interior capacity as my Mariner. I also don't have the need for 3rd row seating. The Edge seems to meet those needs. I hav...
by djpeteski
Mon Sep 17, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5571

Re: Employer won't Match 401k. Why?

A 401K can legally have up to $55.5K put into it per year. That's $18.5K pretax from the employee, up to 100% pretax match from employer, and additional 18.5K post tax from employee "if your plan allows." If you have a strong desire to contribute up-to or near the limit of 55.5k, you will need to s...
by djpeteski
Mon Sep 17, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: 38% pay cut for dream job?
Replies: 61
Views: 5332

Re: 38% pay cut for dream job?

Minet, I am curious what you decided (if you've decided). The job sounds like a great fit for you and your wife. But I guess I am surprised it wouldn't screw up the adoption process, and/or make it very difficult to raise young kids given the potential posts for a junior FSO. I don't think the pay ...
by djpeteski
Fri Sep 14, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7555

Re: Leasing Cars in Retirement

Wanted to get others thoughts on leasing cars in retirement in lieu of triggering an additional taxable event by spending down investments. Thinking $350 or so monthly for three years within mileage allowances, wash and repeat. Pluses are covered maintenance and investments continue to grow. Please...
by djpeteski
Fri Sep 14, 2018 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6672

Re: Job burnout - Keep grinding or change?

When is the last time you took a nice relaxing vacation?
by djpeteski
Thu Sep 13, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10310

Re: Massive Student Loan Debt - Fiancee

It is no wonder, given how frugal you are, that you are attracted to someone who is a bit out of control you are. Even if you do break it off with this person, your future SO will likely have similar beliefs about money. I am assuming you do not want to divorce this young lady. It may sound stupid, ...
by djpeteski
Thu Sep 13, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2576

Re: Anyone into Essential Oils?

To me, the only essential oil is of the olive variety.
by djpeteski
Wed Sep 12, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: The Atlantic: 'Why is College In America So Expensive?'
Replies: 27
Views: 2656

Re: The Atlantic: 'Why is College In America So Expensive?'

From my perspective, college is not expensive. One can obtain a 4 year degree in most states for less than the cost of the average car payment. This assumes living at home and going to a state school. Evidentially cars are not very expensive as you have people of all income levels driving shinny new...
by djpeteski
Tue Sep 11, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3199

Re: Father Wants a Home Mortgage (Bad Credit Score)

What about threat of the IRS? If the money was indeed rent did your grandfather claim those rent payments as income? Your father may be well served to see an attorney on his own.
by djpeteski
Tue Sep 11, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: How to choose a real estate agent?
Replies: 24
Views: 2147

Re: How to choose a real estate agent?

We are currently toward the end of the house selling process, our first one. Our agent was worth the cost and we did not negotiate down. I looked on review sites, like google or yelp and found three people that were good candidates. I called and interviewed each of them. One clearly stood out and we...
by djpeteski
Tue Sep 11, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 39
Views: 5463

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

You will have about 160k "in salary" with about 8k in expenses (assuming COBRA from day 1 to make the math easier) with no cutting back. That will last 20 months without touching your current investments. So what do you want to do? To me it sounds like you want to start your own business. Can you st...
by djpeteski
Mon Sep 10, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6826

Re: I think my father has a gambling problem

One can play a lot of poker, be poor at it, and still not lose a lot of money. Sure one can be addicted, and also one can lose a lot in a single session. However, you might want to investigate what kind of poker he plays. For example if your father played a round of golf every day one would not be c...
by djpeteski
Mon Sep 10, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3442

Re: Bike computer or Apple Watch?

1. I ride 3 different bikes (road, mountain, and tandem) and swapping between them with a Cateye is problematic because each one has different size wheels. I also have several wheel sets for the mountain bike making the problem worse because I'd have to put magnets on each wheel set. That's why I'm...
by djpeteski
Fri Sep 07, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3442

Re: Bike computer or Apple Watch?

texasdiver wrote:
Fri Sep 07, 2018 12:26 pm

1. I ride 3 different bikes (road, mountain, and tandem)
Okay you have officially made my wife jealous. You have a tandem. If we had one we could go for a bike ride, and she wouldn't have to do anything.


:beer :P
by djpeteski
Fri Sep 07, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

I'm going to give somewhat different advice than most others. Skip carbon, go Aluminum.... Some riders get caught up in the weight of the frame. For the average, to above average rider, that is nonsense, since an 1/2 pound (if that) relative to the body weight (say 160 pounds) makes so little diffe...
by djpeteski
Fri Sep 07, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3442

Re: Bike computer or Apple Watch?

I use my Garmin watch (920 XT) as my bike computer. It hooks up to any sensors, HRM, Speed, cadence, and power. I have a bike computer, but I almost never use it anymore.
by djpeteski
Thu Sep 06, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: New Bike Suggestion
Replies: 40
Views: 2990

Re: New Bike Suggestion

So the wifey and I bought decent bikes a couple of years ago. We started "racing" triathlons, and while the bikes were good for shorter distance rides we wanted to increase both distance and speed. It sounds like a similar thing is happening to you. I took the plunge first, and bought a Kestrel Talo...
by djpeteski
Tue Sep 04, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a house
Replies: 28
Views: 2474

Re: Talk me out of buying a house

There is a third choice...wait. Put yourself in a better position, financially, then reevaluate. Buying with no down payment is dicey.
by djpeteski
Wed Aug 29, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Protecting myself against suit for Personal Injury
Replies: 19
Views: 2642

Re: Protecting myself against suit for Personal Injury

It is my experience, with State Farm, that you will have to sue them in order to be provided coverage well...what happened? Well I was a young man, bought a used car with a loan, and totaled the car a few days later. State Farm refused to pay off the loan, basically saying I was not covered althoug...
by djpeteski
Tue Aug 28, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Protecting myself against suit for Personal Injury
Replies: 19
Views: 2642

Re: Protecting myself against suit for Personal Injury

It is my experience, with State Farm, that you will have to sue them in order to be provided coverage. So you may still need a lawyer to sue State Farm to provide the coverage. If the policy was in force, at the time of the accident, then they should cover you. Considering the company, however, they...
by djpeteski
Mon Aug 27, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2417

Re: Your Best Mood Boosting Books (not self-help)

You Are an Ironman by Jacques Steinberg
Six armature athletes chase their dream to complete Ironman Arizona.

Attitude: Develop a Winning Mindset on and off the Court
Jay Wright
Story of Villanova 's NCAA championship.
by djpeteski
Mon Aug 27, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 17
Views: 2881

Re: 8-month windfall check-in

If you have a business idea, that is great, but it probably should not be an all or nothing thing. I would do my best to boot strap my business, get some customers, and develop some kind of cash flow. The temptation in this phase is to invest or borrow a bunch of capital, but the goal is to do it on...
by djpeteski
Mon Aug 27, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Considering opportunity in Melbourne - Florida. Any insight about the area?
Replies: 29
Views: 2395

Re: Considering opportunity in Melbourne - Florida. Any insight about the area?

I started working in Melbourne about 2.5 years ago and commute from Orlando. I did this for a massive bump in pay. The area is experiencing a bit of a renovation as defense work has been increasing significantly. A former coworker relocated from the Lake Mary area to take advantage of a great opport...
by djpeteski
Fri Aug 24, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7855

Re: I still use cash not credit cards should I reconsider?

Numerous research shows that, when using cash, one spends less. The amount of rewards one receives, or the TVM is negligible to the amount of overspending one does. So if your goal is to spend at least as possible and also save money, then by all means use cash. If you want to use a card, go ahead i...