Search found 74 matches

by Ecorp
Thu Feb 20, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: Buying High Mileage Truck to Haul Mountain Bikes
Replies: 26
Views: 2113

Re: Buying High Mileage Truck to Haul Mountain Bikes

Get a 2006-2009 Toyota Tundra with 8ft bed should be able to find some around 6-8k. Will run forever. I have one and barely drive and never had an issue
by Ecorp
Wed Feb 19, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: 2020 W4 Estimator
Replies: 9
Views: 461

Re: 2020 W4 Estimator

Hello, My wife and I need to change our withholding. I used the new estimator(step 2a). 1. It asks how much I will contribute to tax deferred retirement(401,403). I have a 403 and a pension that is taken out per check, I should include the pension amount correct? 2. In the estimator it asks how man...
by Ecorp
Wed Feb 19, 2020 9:53 am
Forum: Personal Finance (Not Investing)
Topic: 2020 W4 Estimator
Replies: 9
Views: 461

Re: 2020 W4 Estimator

Hello, My wife and I need to change our withholding. I used the new estimator(step 2a). 1. It asks how much I will contribute to tax deferred retirement(401,403). I have a 403 and a pension that is taken out per check, I should include the pension amount correct? 2. In the estimator it asks how man...
by Ecorp
Wed Feb 19, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 2020 W4 Estimator
Replies: 9
Views: 461

2020 W4 Estimator

Hello, My wife and I need to change our withholding. I used the new estimator(step 2a). 1. It asks how much I will contribute to tax deferred retirement(401,403). I have a 403 and a pension that is taken out per check, I should include the pension amount correct? 2. In the estimator it asks how many...
by Ecorp
Wed Oct 30, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Mortgage-Close or Leave open HELOC for Remodel?
Replies: 6
Views: 373

Re: Refinancing Mortgage-Close or Leave open HELOC for Remodel?

Hello, We are refinancing our mortgage to 3.6%(30yr) from 4.375%. We have a HELOC open for 70k at 5.50% with currently no balance. We do need to have a bathroom and kitchen remodeled and planned on using all of the 70k over the winter. Does it make sense to leave the HELOC open and refinance mortga...
by Ecorp
Wed Oct 30, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Mortgage-Close or Leave open HELOC for Remodel?
Replies: 6
Views: 373

Re: Refinancing Mortgage-Close or Leave open HELOC for Remodel?

If you close your HELOC how will you finance your remodel? How long before you pay it off?If your paying it off right away as construction is done, you could put it on credit card and get the points or $ back. Then save money now by not keeping the HELOC. I would take the cash out equity during ref...
by Ecorp
Wed Oct 30, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Mortgage-Close or Leave open HELOC for Remodel?
Replies: 6
Views: 373

Refinancing Mortgage-Close or Leave open HELOC for Remodel?

Hello, We are refinancing our mortgage to 3.6%(30yr) from 4.375%. We have a HELOC open for 70k at 5.50% with currently no balance. We do need to have a bathroom and kitchen remodeled and planned on using all of the 70k over the winter. Does it make sense to leave the HELOC open and refinance mortgag...
by Ecorp
Mon Aug 19, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a computer coding mentor
Replies: 13
Views: 1296

Re: Looking for a computer coding mentor

join all the reddit subs and ask for advice there,
by Ecorp
Mon May 06, 2019 7:33 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 17219

Re: What if I Never Buy a House?

I wouldn't buy if you dont want to I have a friend who is 42yrs old with no kids, good paying lawyer in DC. He rents a room in a townhouse and is perfectly happy. He loves to travel even just for weekend(Chicago,Cali,etc) He literally can fit everything he owns into his car Not knocking your friend...
by Ecorp
Wed May 01, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 17219

Re: What if I Never Buy a House?

I wouldn't buy if you dont want to

I have a friend who is 42yrs old with no kids, good paying lawyer in DC. He rents a room in a townhouse and is perfectly happy. He loves to travel even just for weekend(Chicago,Cali,etc)

He literally can fit everything he owns into his car
by Ecorp
Thu Apr 25, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2053

Re: Car/Truck/SUV??

Renting a truck at Home Depot is a pain compared to having your own means if you are doing a decent amount of work. I have a wagon with a roof rack as own main car and I can fit everything on top of it. When I've rented from our local Home Depot, it takes me ~30 minutes to wait in line and sign the...
by Ecorp
Wed Apr 24, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2053

Re: Car/Truck/SUV??

Maybe not the answer you wanted to hear but the most fiscally sound thing is to keep the current setup. You’ll take a major hit if you sell a 2016 sonata now as Hyundai’s take a big depreciation hit. Also, sedans are generally less popular than ever (dumb SUV craze) so I think unloading a reliable ...
by Ecorp
Wed Apr 24, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2053

Re: Car/Truck/SUV??

Honda Ridgeline. Truck bed, trunk, rear seats. Honda reliability. Neighbor has one that he uses for taking his family up to their place in the mountains. When I see him driving around the neighborhood, their black lab is usually riding shotgun. We have an MDX. Same drive train. 225k reliable miles ...
by Ecorp
Tue Apr 23, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2053

Car/Truck/SUV??

I own a 2016 Hyundai Sonata. I could trade in and break even. I bought this before we got a 90lb dog. We have been taking him on day hikes,etc lately. He fits fine in backseat now but if both my kids come with me its a tight fit. Ill admit its rare they both come but it got me thinking of maybe gett...
by Ecorp
Thu Nov 01, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

KyleAAA wrote:
Wed Oct 31, 2018 6:50 pm
Second technical sales or pre-sales if you have the temperament for us. Can be lucrative and satisfying. Some love it, some hate it.
Are you in technical sales now? Did you have more of sales or tech background?
by Ecorp
Thu Nov 01, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

If you're looking for new skills and sales isn't your thing, try to get into consulting. Consulting shops are always looking for "do they have 70% of the skills for the engagement, and can learn the other 30% on the job?" because nobody is a perfect fit. If you can think on your feet and fake it 't...
by Ecorp
Thu Nov 01, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

If you want to try something completely different (and probably more lucrative) consider getting into technology sales. Most technologies that you use requires people to sell it-and those people have to be knowledgable enough about it to converse with people like yourself as well as the business le...
by Ecorp
Wed Oct 31, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

If you have a couple of free hours per day at your current job... Spend that time automating your work. Learn powershell if you don’t already know it. Take the things that you do most often and write scripts to automate them. Then write scripts that keep things running so that you don’t get the sup...
by Ecorp
Wed Oct 31, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

I would add location also to your consideration. There really is a hockey stick pattern in terms of salaries in Silicon Valley vs anywhere else on the planet. Of course cost of living is high, but the salary differential more than makes up for it. Salaries like $300k, $500k and even beyond for a so...
by Ecorp
Tue Oct 30, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

I currently do Windows Server Admin and second level tech support. Not very advanced stuff and have been here 13 years but bored out of my mind and want to advance. I'm way behind current technologies and not sure what "path" I should go? Anyone else made a similar transition/advancement? A couple ...
by Ecorp
Tue Oct 30, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

Re: IT Career Advancement-What path?

Any insight? TIA I am retired out of IT so my experience is real dated but I have always found that studying new skills on your own is of limited value unless your also get to use it in your job. I would look at what your company is using and try to get on new projects where you could develop new s...
by Ecorp
Tue Oct 30, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 14360
Views: 2314084

Re: U.S. stocks in freefall

I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy. Because easily over 50% dont follow the theory or philosophy of Bogle. Notice how many people are buying ,,, why do they have all this extra cash sitting around? By cutting down...
by Ecorp
Mon Oct 29, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get rid of PMI or pay off my car loan?
Replies: 28
Views: 1589

Re: Should I get rid of PMI or pay off my car loan?

If you pay the lump amount they will do an automated appraising. Basically tax records,Zillow type thing. They don’t actually inspect
by Ecorp
Mon Oct 29, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: IT Career Advancement-What path?
Replies: 37
Views: 3003

IT Career Advancement-What path?

I currently do Windows Server Admin and second level tech support. Not very advanced stuff and have been here 13 years but bored out of my mind and want to advance. I'm way behind current technologies and not sure what "path" I should go? Anyone else made a similar transition/advancement? A couple f...
by Ecorp
Mon Oct 29, 2018 7:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 14360
Views: 2314084

Re: U.S. stocks in freefall

I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy. Because easily over 50% dont follow the theory or philosophy of Bogle. Notice how many people are buying ,,, why do they have all this extra cash sitting around? By cutting down...
by Ecorp
Thu Oct 11, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 14360
Views: 2314084

Re: U.S. stocks in freefall

MJW wrote:
Thu Oct 11, 2018 2:40 pm
I've only been a member of the BH forum for a couple of years, but I'm not sure I've ever seen so many people this antsy.
Because easily over 50% dont follow the theory or philosophy of Bogle. Notice how many people are buying ,,, why do they have all this extra cash sitting around?
by Ecorp
Tue Sep 11, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 114
Views: 11771

Re: Amazon Prime - Value?

I get maybe 25% of things in one day. Rest is always 2 days. Love it
by Ecorp
Fri Aug 31, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 5058

Re: Chipotle question

Just whatever you do, dont reach over the glass barrier to point out what sauces you want. That drives me mental!!
by Ecorp
Wed Aug 29, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2804

Re: Negotiating with XM

I've been playing this stupid game with them for probably 7+ years now: -Call a week before expiration, take subscription off auto-renew and cancel. -Wait for subscription expiration date to pass. -Call and tell them I want the 5 month deal for $25-$30. I always get it. The trick seems to be that t...
by Ecorp
Wed Aug 29, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2804

Re: Negotiating with XM

I have all access with phone streaming for $55 for 6 months. I called said I got a flyer for 6 months for 30. They say that's for a lower tier package. I say I'm only interested in all access for certain channels (stern). They usually come back with offer around 60. Then just repeat every 6 months F...
by Ecorp
Tue Aug 28, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 77
Views: 7905

Re: Recommend a good SOCK. Yes, I said SOCK!

Balega socks. Runners swear by them
by Ecorp
Tue Aug 28, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Man...opening a savings account with Ally is an arduous process.
Replies: 32
Views: 5437

Re: Man...opening a savings account with Ally is an arduous process.

Weird took me all of ten minutes to open checking and 4 savings. Must be something wrong on credit.

FYI, I also have Capone 360. Ally interface is a little better and they reimburse ATM fees, That was the main reason I switched everything over
by Ecorp
Fri Aug 24, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 9449

Re: $65K Fun Daily Driver

I see people mention the M5 but I love the F80 M3's
by Ecorp
Thu Aug 23, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: wood flooring recommendations
Replies: 13
Views: 1576

Re: wood flooring recommendations

Check around with local installers. Youd be surprised the cost of unfinished floors installed,sanded and stained. Which will look better than pre finished everyday. You can get 5" unfinished installed and stained for $5 /sqft here.
by Ecorp
Thu Aug 23, 2018 7:00 am
Forum: Personal Consumer Issues
Topic: Where to stay in St. Augustine?
Replies: 8
Views: 1157

Re: Where to stay in St. Augustine?

Check Airbnb, I visit the area frequently and there are a ton of listings,
by Ecorp
Thu Aug 23, 2018 6:58 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3300

Re: I love my job but DW hates location and I'm underpaid

Your salary is pretty good. Big telecom is paying highly experienced developers $80K - $85K in HCOL areas. Less experienced IT people are paid in the $60K range, and raises are small and infrequent and the pressure is high. But there are tons of people lining up for these jobs since the competition...
by Ecorp
Thu Aug 02, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 4985

Re: How to Start CC Churning

As mentioned above the reddit r/churning will have more info than you will need in its FAQ
by Ecorp
Tue Jul 31, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Investing waiving the transfer out fee
Replies: 1
Views: 360

Re: Capital One Investing waiving the transfer out fee

Yep did same, CapOne-> Fidelity, took maybe 10 business days, no fees on either end. Did have to sell my fractional shares.
by Ecorp
Tue Jul 31, 2018 8:17 am
Forum: Personal Consumer Issues
Topic: PSA: Venmo Privacy Issues
Replies: 11
Views: 1776

Re: PSA: Venmo Privacy Issues

It’s not rocket science. When I got on Venmo I saw that I could see all the other users transactions, and thought I don’t want someone to see all of mine. So I went to settings, switched it to private. End of story Yea its not hard and it doesnt show the amount either. Fun to put random stuff in co...
by Ecorp
Fri Jun 29, 2018 7:05 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 13207

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

F150HD wrote:
Thu Jun 28, 2018 10:22 am
Ecorp wrote:
Thu Jun 28, 2018 10:04 am
Int resting? What area? I mainly goto Florida and San Diego beaches.
One example in Memphis. I put in a random July date.

Image
Ok comparing to a hotel that's 2 rooms. You can get 2 hotel rooms for 120 total?
by Ecorp
Thu Jun 28, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 13207

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Still alot cheaper than Hotels if you dont need to be fancy. I use Airbnb almost exclusive. BTW if you have BOA cash rewards card they are giving 10% on airbnb actually, its not cheaper from what I am seeing....as that is one reason I too was looking there for a recent trip. With fees, the quoted '...
by Ecorp
Thu Jun 28, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 13207

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Still alot cheaper than Hotels if you dont need to be fancy. I use Airbnb almost exclusive. BTW if you have BOA cash rewards card they are giving 10% on airbnb I think you're missing the point that OP is making! :oops: How? OP said its a hassle and hotels are cheaper. When you look at Airbnb reserv...
by Ecorp
Thu Jun 28, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 13207

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Still alot cheaper than Hotels if you dont need to be fancy. I use Airbnb almost exclusive. BTW if you have BOA cash rewards card they are giving 10% on airbnb
by Ecorp
Tue Jun 26, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Pre-made grout?
Replies: 8
Views: 1060

Re: Pre-made grout?

You can use Sanded grout on glass tiles. Best to follow tile manufacture directions.. Look at the tubs of Fusion Pro at HD. Nice thing is if it does shrink you can add more right on top. More expensive than powder but easier and great quality
by Ecorp
Mon May 14, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 11816

Re: Is there a boglehead muscle car?

livesoft wrote:
Mon May 14, 2018 7:27 am
I think it's a Tesla with Ludicrous Speed.

I suppose one day somebody will put a Mustang body on a Tesla frame.
Yes P90D. 700+ HP. will blow away alot of mustangs.

By Muscle I assume you mean American muscle and not European?
by Ecorp
Sun Apr 29, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Windows/house
Replies: 9
Views: 1711

Re: Windows/house

Okna 500 series
by Ecorp
Tue Apr 24, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Mowing with a ZTR - sharpening blades
Replies: 22
Views: 3982

Re: Mowing with a ZTR - sharpening blades

Why not just jack it up and sharpen blades on mower, no need to take them off. I just lay on ground with angle grinder and sharpen them on the mower
by Ecorp
Thu Apr 19, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Master Bath remodel price?
Replies: 29
Views: 5056

Re: Master Bath remodel price?

Quote seems fine, that is the going rate for a Master bath.

Any thoughts of DIY? Could do it for prob 20k but will be slower to learn and do the actual work.

Do you actually use the tub? We removed ours, saved on price of new tub and plumbing and have a bench(somewhere to put clothes)
by Ecorp
Mon Apr 16, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off PMI or refinance or Appraisal
Replies: 19
Views: 2451

Re: Paying off PMI or refinance or Appraisal

I did confirm with bank a payment of 19,400 will drop PMI after they do a AVM which is instant and uses tax record.PMI would automatically drop in 2/22. So that's approximately $5400 in PMI I would save if I paid the lump sum