Search found 319 matches

by sjt
Fri Apr 03, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6260

Re: Should I keep paying fitness center fees while it is closed?

For those who are suggesting that OP should keep paying, keep in mind that OP has another thread asking for unemployment information due to job situation. I don't see that one, but I do see some threads OP started about updating their "rec room" with a 115" projector or buying a "ski in, ski out co...
by sjt
Thu Mar 26, 2020 8:30 am
Forum: Personal Investments
Topic: IRA for Variable Income?
Replies: 5
Views: 204

Re: IRA for Variable Income?

You have until tax day of the following year to contribute, so maybe just wait until the final income number to contribute?
by sjt
Tue Mar 17, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55506

Re: How to get Toilet Paper ? seriously.

Use your bidet. That's a great suggestion. One can make a small portable bidet from a plastic soda bottle with a plastic cap. See youtube. Backpackers often do this. Then if you like, you can wipe with a cloth that you wash much like a cloth diaper. I'm a backpacker and I've never heard of this. Bu...
by sjt
Tue Mar 17, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: Cyclists: Looking for a versatile bike for ~$500 (used)
Replies: 19
Views: 1082

Re: Cyclists: Looking for a versatile bike for ~$500 (used)

Cyclocross has short wheelbase, touring has long wheelbase. Also look for "gravel" bikes.The industry has split bikes into so many categories. Assuming you want something with drop bars, jump on craigslist and search in the bikes section, limiting your $ amount between $400 and $700 to see whats cur...
by sjt
Tue Feb 25, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: Selling a house with a safe
Replies: 26
Views: 2451

Re: Selling a house with a safe

In real life there are very few cat burglars that dress up in suits and visit houses for sale with a real estate agent in order to case the joint. We had someone in the neighborhood get their dirtbike stolen from the garage - someone touring the house unlocked the garage door during a showing and c...
by sjt
Thu Feb 20, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: help with possible phishing
Replies: 4
Views: 605

Re: help with possible phishing

Were the purchases made on your amazon account? For example, when you log in to amazon and look at your orders, do these items appear? Or were they purchased on someone elses amazon account and sent to your address? I would log into amazon and change your password at the minimum, then continue to mo...
by sjt
Mon Feb 10, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37535

Re: What video games are you currently playing?

I see some Starcraft references - another oldie favorite of mine. Who can forget the first time experiencing that infamous Zerg Rush? Maybe one of the greatest gaming moments of all time. Also worth mentioning - the original starcraft and broodwars are available for free now (LEGALLY) I don't have ...
by sjt
Mon Feb 10, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: Selling my home, get a septic inspection before listing?
Replies: 30
Views: 1419

Re: Selling my home, get a septic inspection before listing?

To the best of your knowledge, the septic system is fine and working normally. I don't understand why you would want an inspection. Normally the buyers order inspections. I would have it cleaned / pumped and ask them to do any type of normal visual inspection. I imagine buyers would be thrilled if y...
by sjt
Mon Feb 10, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]
Replies: 101
Views: 6502

Re: Taken for a ride for Car maintenance [Can I dispute Credit card charge?]

I also got a survey from them . I completed that and provided appropriate ratings and comments :) I see that the email was signed by their VP of service devision whom I found on LinkedIn. I'll write him a comment too :) So in total - Talked to their Manager [no update yet] - Mailed their Customer c...
by sjt
Mon Feb 10, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: Hedonic Clock
Replies: 94
Views: 8113

Re: Hedonic Clock

Life is about balance. The right balance of saving for you is not necessarily right for others. Same with Asset Allocation. Some people literally bathe in buckets to save money, others have shower and still manage to achieve FIRE. Some folks have no desire to retire early. You gotta find what works ...
by sjt
Mon Feb 03, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: PSA: Replace the anode rod on your water heater every few years to prolong its life.
Replies: 83
Views: 6877

Re: PSA: Replace the anode rod on your water heater every few years to prolong its life.

Retired1809 wrote:
Mon Feb 03, 2020 8:49 am
Should a 24+ year-old water heater be replaced if it is working fine strictly because of its age?
Wow. Might be worth reaching out to the manufacturer - they might give you a new unit like that guy who reached 1 million miles on his Honda...
by sjt
Fri Jan 31, 2020 1:27 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2790

Re: Mazda 3 v Civic Si

One caution on that Veloster N - I won't argue against a claim that it has better overall performance off the lot than a GTI, but watch a youtube or 2 on the car before anyone decides on that. Me personally, I couldn't live with that juvenile sounding exhaust (occasional farts (crackles/pops), that...
by sjt
Thu Jan 30, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 v Civic Si
Replies: 46
Views: 2790

Re: Mazda 3 v Civic Si

I drive a 2010 Mazda3 Hatch MT, bought new at the end of 2010. Currently has about 106k miles and has been relatively trouble free. A couple recalls for minor things, and regular oil changes. I cross shopped the GTI but VW reliability is a dice roll. I had a 2013 Focus ST which was super fun, but pr...
by sjt
Tue Jan 28, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 8280

Re: I have a question for those in early FIRE or planning on early FIRE

Well, it's been 5 years since I retired early. I work a job I like for a few months of the year (I enjoy the work, but don't want to do it full time, and they like having the seasonal help) I do some freelance consulting Uh oh, the retirement police will be here soon to tell you you're not actually...
by sjt
Thu Jan 23, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Baby registry "must haves"?
Replies: 64
Views: 3283

Re: Baby registry "must haves"?

Diapers and a Wubbanub (pacifier with a small stuffed animal attached)
by sjt
Thu Jan 23, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: Sharing a Business Class Seat
Replies: 51
Views: 4468

Re: Sharing a Business Class Seat

I don't see any problems with it unless you're ordering drinks for 4 people. Worst they can say is "no" and your wife enjoys first class! :D
by sjt
Thu Jan 23, 2020 10:38 am
Forum: Personal Investments
Topic: Portfolio Help Needed: Thanks
Replies: 15
Views: 940

Re: Portfolio Help Needed: Thanks

2. We are putting in a relatively low amount of money for our combined salaries (pre-tax $135K), but we are trying to make more secure choices in the short-term paying debts, building emergency fund, etc. Any thoughts about contribution amounts? What are your expenses? You should be able to put awa...
by sjt
Thu Jan 23, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: $2 million at a young age
Replies: 78
Views: 8916

Re: $2 million at a young age

Part of me does want to withdraw 1% of the money to put down for a new car, go on a week-long vacation, and for some breathing room. On the other hand I realize it's going to be tempting to use a lot the money without concern and that's a slippery slope to losing it all. This is a big red flag to m...
by sjt
Wed Jan 22, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Different View On Money After Cancer Scare?
Replies: 13
Views: 2214

Re: Different View On Money After Cancer Scare?

spend money on things that make you happy (food, travel, family & friends, etc) NOW before the opportunity is taken away from you. Yes, your two thoughts somewhat conflict with each other. Luckily spending time with friends and family usually isn't expensive, and travel can be done frugally, as can...
by sjt
Tue Jan 21, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Detached garage: Recommended ways to heat water for shower? Save space and money?
Replies: 44
Views: 3051

Re: Detached garage: Recommended ways to heat water for shower? Save space and money?

Cubicle wrote:
Sat Jan 18, 2020 1:38 am
My biggest concern would be water supply freezing & the drain line back to house. But anyways:
x2 - OP what climate do you live in? Is the garage going to be above freezing at all times? Could run into pipes bursting if they freeze -
by sjt
Wed Jan 15, 2020 12:45 pm
Forum: Personal Investments
Topic: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."
Replies: 75
Views: 7928

Re: Just retired. Too emotionally attached to hard earned $ to be in market and generate a "paycheck."

Let me know if you plan to be doing a Youtube series on your adventures. There was ax ex-NFL player doing this with his dog (ManVanDogBlog on Youtube) but hasn't posted in several months. Part of my soul would have loved to live that life. I chose a different path but enjoy living vicariously throug...
by sjt
Wed Jan 15, 2020 8:27 am
Forum: Personal Investments
Topic: Financial Engines very aggressive recommendation
Replies: 22
Views: 1952

Re: Financial Engines very aggressive recommendation

Here at Megacorp, we have the option of using Financial Engines also - for a fee. We also have access to Target Date funds (fee is less), or the option to select from generic name index funds at a lower fee. I imagine there is a market for Financial Engines to help folks who have no idea what they a...
by sjt
Mon Jan 13, 2020 8:49 am
Forum: Personal Investments
Topic: Directionless drift
Replies: 32
Views: 4131

Re: Directionless drift

Now we feel the ting of lost time(youth), purposelessness of the endeavor(so far) and the ongoing burdens of support. Things will only get more challenging as parents age and we each will turn in to caregivers. Had we spent more money in our younger years, instead of saving, that would have been so...
by sjt
Fri Jan 10, 2020 9:20 am
Forum: Personal Investments
Topic: Roth IRA for a 15 year old
Replies: 23
Views: 1085

Re: Roth IRA for a 15 year old

Mine is through Charles Schwab - S&P Index Fund would be fine, Schwab has many low fee funds available. SWPPX is probably the one you're looking for - expense ration of 0.02%
by sjt
Fri Jan 10, 2020 8:49 am
Forum: Personal Investments
Topic: Portfolio Review for newbie
Replies: 16
Views: 1192

Re: Portfolio Review for newbie

A couple notes: -You're doing great learning about this stuff -You have a lot still to learn -There is no 25% tax bracket -You need to understand the fees you are being charged in your 401k, and whether there are other funds available with lower fees. -There might be a monthly / annual fee in additi...
by sjt
Tue Jan 07, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: How is your "number" defined?
Replies: 143
Views: 11176

Re: How is your "number" defined?

- I currently have a $700,000 million portfolio. Wish I had a $700,000 million portfolio LOL! You can take your current portfolio, and project it out over the next few decades assuming something like 4% REAL growth. That takes the inflation aspect out of it and also avoids the confusion of back cal...
by sjt
Tue Jan 07, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Using 401k funds to pay off debt?
Replies: 33
Views: 2025

Re: Using 401k funds to pay off debt?

10% penalty sucks but I’m sure I’m paying that yearly in interest. I think you would also be taxed on that, so if you're in the 22% bracket, you would pay taxes, penalty, and any state taxes. I think you would end up draining a lot from your retirement account - as others have said, not a good idea...
by sjt
Fri Jan 03, 2020 10:32 am
Forum: Personal Investments
Topic: Traditional IRA --> Index Funds
Replies: 4
Views: 276

Re: Traditional IRA --> Index Funds

Yes, log in to your vanguard account and sell everything. Then purchase the index funds you desire.

Do you have a desired asset allocation? Do you know which funds you wish to purchase?
by sjt
Thu Jan 02, 2020 8:46 am
Forum: Personal Consumer Issues
Topic: Thinking to switch to dealership for repairs, make sense?
Replies: 10
Views: 745

Re: Thinking to switch to dealership for repairs, make sense?

Does it ever make sense to use try the dealership for serious repairs? Anyone here has a good experience with dealership repairs? I understand they would cost more, but my thinking is: A saved PTO = money saved. Am I making any sense? Yes, Yes, and yes. Sounds like the dealer is a good fit for you.
by sjt
Tue Dec 17, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: What to do? Car dilemma...
Replies: 61
Views: 3568

Re: What to do? Car dilemma...

I'd put it online and disclose everything. This isn't the type of car that your average shade tree mechanic is going to fix. Maybe a BMW tech (either at the dealer or an independent mechanic) would be interested since they would have a lower cost of diagnosing and also the knowledge to fix themselve...
by sjt
Tue Dec 17, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: 2019 VW GTI or Hyundai Elantra GT N?
Replies: 43
Views: 1747

Re: 2019 VW GTI or Hyundai Elantra GT N?

As a recovering VW owner, I cannot recommend owning one outside of the warranty period. GTI would be my next vehicle if they could get the reliability under control but alas, VW has had problems for going on 15 years now and until that turns around, not for me.
by sjt
Fri Dec 13, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: Retiring at 24 - Extreme FIRE is it possible?
Replies: 158
Views: 13624

Re: Retiring at 24 - Extreme FIRE is it possible?

One received about $900K when he was 28, and within 10 years he had to return to work. One received about $30M after taxes at age 32, and most of it was gone by age 47. It's also the case with many lottery winners, athletes, etc. Easy come, easy go - sounds like your two individuals happened upon m...
by sjt
Fri Dec 13, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: chevy's new S10 small pickup truck
Replies: 5
Views: 828

Re: chevy's new S10 small pickup truck

https://en.wikipedia.org/wiki/Chevrolet ... 93present)

Wikipedia tells me that it's called the Chevy Colorado and GMC Canyon in the USA. That's their small truck in the US market. Do you have more info about this 'New S10'?
by sjt
Fri Dec 13, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Daycare vs Nanny.
Replies: 86
Views: 4714

Re: Need help. Daycare vs Nanny.

Daycare is full of germs but the world is full of germs. More concerning to me is your commute - 1-2 hours each way is a long time to be spending commuting, especially with children. I commute about 35 minutes each way and that seems like a lot of time I'm missing with my family. Do you commute ever...
by sjt
Fri Dec 13, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 88425

Re: Found hidden safe, should we crack?

gips wrote:
Fri Dec 13, 2019 7:07 am

I’ll continue to update this thread with our progress. Happy holidays to all!



This is one of the best threads on here. Thanks for the update!
by sjt
Fri Dec 06, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Moved states and both are claiming that I owe personal property tax for my vehicle.
Replies: 29
Views: 1820

Re: Moved states and both are claiming that I owe personal property tax for my vehicle.

jumbopapa wrote:
Fri Dec 06, 2019 3:17 pm
... recently received our tax bill in Missouri and my car was still listed

Ah I had your states backward.

I don't think Kansas should refund you, I would think Missouri should cancel your tax liability if the vehicle is registered in another state.
by sjt
Fri Dec 06, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Moved states and both are claiming that I owe personal property tax for my vehicle.
Replies: 29
Views: 1820

Re: Moved states and both are claiming that I owe personal property tax for my vehicle.

In NC, the property tax bill is due at the time of registration for the following 12 months. If I sell the car with 4 months left on the registration, I can apply to receive my 4 months taxes back (and have done so successfully). Seemed pretty straight forward here - not sure about your state specif...
by sjt
Thu Dec 05, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Unsubscribing spam email
Replies: 23
Views: 1940

Re: Unsubscribing spam email

Hector wrote:
Wed Dec 04, 2019 6:11 pm
I click on report spam button these days.
And when you send these to your spam folder, Google uses this information to automatically route these types of messages to spam for EVERYONE that uses Gmail if enough people report them as spam. Thanks for doing your part!
by sjt
Tue Dec 03, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Neighbor still using driveway, shoveling path to their garbage
Replies: 40
Views: 2730

Re: Neighbor still using driveway, shoveling path to their garbage

.... undoubtedly I am perceived as the [jerk -- mod oldcomputerguy] . Glad you said it so I didn't have to. Does the neighbor have another option to take the trash to the street? If so, suggest doing so in a friendly way. Worry less about leveraging properties and work on being a better human.
by sjt
Mon Nov 25, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: We have a prenup, now buying a house.
Replies: 117
Views: 7620

Re: We have a prenup, now buying a house.

sport wrote:
Mon Nov 25, 2019 11:27 am
IMO you have too much "me and she" and not enough "we". This is a marriage, not a business.
+1
by sjt
Fri Nov 22, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Help: Husband's Surprise Debts
Replies: 183
Views: 19683

Re: Help: Husband's Surprise Debts

There are many beautiful LCOL areas you can retire to and be just fine.
by sjt
Wed Nov 20, 2019 11:20 am
Forum: Personal Investments
Topic: I want to make my children millionaires.
Replies: 74
Views: 12640

Re: I want to make my children millionaires.

Don’t give them money. Teach them about money and how to use it as a tool. How to earn, save, invest and spend. Lead by example. Your lifestyle and your decisions—your example—will shape their future more than monetary gifts. Many people who give their children money soon realize that their kids ex...
by sjt
Tue Nov 19, 2019 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Refinance mortgage - Triumph
Replies: 3
Views: 807

Re: Refinance mortgage - Triumph

Analysis paralysis - How much money is 1/8% going to save you each month? Calculate that and then determine if your time obsessing over this rate is worth it.... Don't forget to worry about if the housing market crashes, if the fed drops rates, if the fed raises rates, nuclear war, alien invasions, ...
by sjt
Fri Nov 15, 2019 12:33 pm
Forum: Personal Investments
Topic: I need to rebalance, but hate paying capital gains tax.
Replies: 41
Views: 3628

Re: I need to rebalance, but hate paying capital gains tax.

Might be easier to change your targeted asset allocation. Just set it to whatever your current allocation is and you're all set!
by sjt
Fri Nov 08, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Young parents, considering moving to city
Replies: 11
Views: 1406

Re: Young parents, considering moving to city

This thread is now in the Personal Consumer Issues forum (where to live). For those questioning the acronym "AS", it's Average Salary. paying rent just about ~20% of the average salary in our state (AS). So this sentence from OP “ We currently have about ~100k USD in savings in total (equivalent to...
by sjt
Tue Oct 29, 2019 8:27 am
Forum: Personal Investments
Topic: 403b/457b protected from creditors?
Replies: 10
Views: 766

Re: 403b/457b protected from creditors?

02nz wrote:
Tue Oct 29, 2019 8:21 am


Umm, what's SWAN protection? Or do you mean protection from "black swan" (not an acronym) events?
SWAN is an acronym for "Sleep Well At Night"
by sjt
Thu Oct 24, 2019 1:09 pm
Forum: Personal Investments
Topic: Semi-seasoned Boglehead looking for review
Replies: 15
Views: 1787

Re: Semi-seasoned Boglehead looking for review

Supermercado wrote:
Wed Oct 23, 2019 10:21 pm

- 2019 is the first year that his 401k and her Roth IRA will be maxed
Just wanted to chime in and say CONGRATS!

:wink:
by sjt
Wed Oct 23, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Another 401k loan question
Replies: 11
Views: 666

Re: Another 401k loan question

What's the worst case? That your loan becomes a early distribution and you need to pay taxes and a 10% penalty?

Not much you can do about it but work on paying it back. I wouldn't treat it like an emergency but do save diligently and get it paid off!
by sjt
Tue Oct 22, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Rebrand to a new career...
Replies: 19
Views: 2591

Re: Rebrand to a new career...

After 35 years in a high powered career - I would hope you have enough to retire. How can you maximize your talents to do the most good? Work for a non profit? Volunteer doing something you love? Keep busy working on your health or a hobby?
by sjt
Mon Oct 21, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5961

Re: Should I take the job in OKC or Orlando?

This leads to the second job in OKC: Definitely less desirable location but better job, Have you ever been to Orlando? I wouldn't want to live there. I've never been to OKC and I would happily move there blindly if the second choice was Orlando. Care to elaborate? OKC isn't exactly my cup of tea ei...