Search found 336 matches

by sjt
Mon Sep 28, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: What Age Appropriate For STAR WARS?
Replies: 24
Views: 1068

Re: What Age Appropriate For STAR WARS?

RJC wrote: Mon Sep 28, 2020 1:32 pm

Maybe start them out with the cartoon or Legos versions?
If you have Disney+, the cartoon versions are great. They even give me a chuckle
by sjt
Thu Sep 24, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Help With (short term?) Car Purchase
Replies: 6
Views: 540

Re: Help With (short term?) Car Purchase

We'll See wrote: Thu Sep 17, 2020 8:01 am Perhaps a Jeep Wrangler or Toyota Tacoma? They hold their resale value very well.
See point #3 - low purchase price -

How about a CRV or Rav4?
by sjt
Mon Sep 21, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Which used hatchback to choose?
Replies: 31
Views: 2180

Re: Which used hatchback to choose?

shorty313 wrote: Mon Sep 21, 2020 9:08 am We have a 2009 Mazda 3 hatch that has been a fantastic car.
We have a 2010 Mazda3 with MT that has been excellent.
by sjt
Mon Sep 21, 2020 1:49 pm
Forum: Personal Consumer Issues
Topic: Anyone Have A Solo Stove?
Replies: 30
Views: 2907

Re: Anyone Have A Solo Stove?

We have a Solo Stove "Bonfire" and I also have a little backpacking solo stove that can burn wood, or you can drop a little alcohol burner in there if the forest wood is too wet. Since you are talking about the deck, I assume you're looking at the firepit style (ranger, bonfire, yukon). We have 3 pi...
by sjt
Thu Sep 03, 2020 8:57 am
Forum: Personal Investments
Topic: HSA Question
Replies: 6
Views: 401

Re: HSA Question

When they are "Moved to cash" - they will be sold at higher prices than when you first purchased them. Then theoretically you will rebuy at the same prices you just sold for, assuming no major market swings during the selling / repurchasing. Since it's within HSA, none of these should be a taxable e...
by sjt
Fri Aug 21, 2020 7:28 am
Forum: Personal Investments
Topic: Did I Pay Too Much For VOO
Replies: 27
Views: 2757

Re: Did I Pay Too Much For VOO

Isn't a limit order a micro form of market timing? In other words, a target price at which you will enter the market? What if the price never drops to your limit order? Then you might miss out on some significant gains... You can specify your limit to be slightly over NAV (or ask), and the order wi...
by sjt
Thu Aug 13, 2020 8:21 am
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 242
Views: 22498

Re: Books that changed your life

Into the Wild
The Lord of the Rings series
The old man and the sea
The grapes of wrath
The Dharma Bums

All of them are adventure / journeys.
by sjt
Thu Aug 13, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5872

Re: Tree section fell on my neighbor's property...who is liable

Thanks for the replies. I was even approached by the caretaker of the property and he said "I can give you an estimate to remove it" (he's not a licensed tree remover, just the person who lives on the property) and sweeps up, brings in garbage cans, etc. I do believe they are fishing to see if I ca...
by sjt
Tue Aug 04, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8286

Re: What Car Maintenance Do You Do?

I have a Tesla. I give it a car wash on occasion. And paid a lot of money for that convenience :) Not to turn this thread into a back and forth on Tesla, but... Teslas are not cheap. It is, after all, a luxury car. It has other advantages then just low maintenance. 32K for a base model 3 https://ww...
by sjt
Thu Jul 30, 2020 10:26 am
Forum: Personal Consumer Issues
Topic: Anyone study math, physics or science for fun?
Replies: 54
Views: 4117

Re: Anyone study math, physics or science for fun?

Some of my coworkers are involved in HAM (amateur) radio and shared some study materials. Browsing through them brings back memories of EE courses and is starting to get into some physics of propagation of radio waves (basic electrical circuits and basic physics) while also being useful. If I feel c...
by sjt
Fri Jul 17, 2020 8:28 am
Forum: Personal Investments
Topic: Financial Future
Replies: 4
Views: 668

Re: Financial Future

Morning - we have 1 NC teacher in the household (Wake County). If you want to use the tax advantaged accounts provided by your district (if that's an option), be sure to look at the fees. We had a 403b, 457, and 401k available. Only the 401k had low fees. Figuring out the fees for each type of accou...
by sjt
Fri Jul 10, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16150

Re: Frontier Airlines does not provide Covid-19 cancel relief

I'm not surprised, I showed up to Ontario (California) airport to find out my Frontier flight was cancelled (to Raleigh via Denver). They offered to get me (and my family including a pair of 4 year olds) on the next flight 4 days later (with no hotel vouchers) but I was expected to be back to work t...
by sjt
Fri Jul 10, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: Are basic minivans/suv "luxury" cars?
Replies: 77
Views: 4174

Re: are basic minivans/suv "luxury" cars?

Too bad they don't make station wagons any more. Maybe those would be more affordable? They do, but carmakers raised the ride height/seating position and call them SUVs or crossovers now. Those crazy popular compact crossovers are basically more upright station wagons. They don't drive as well sinc...
by sjt
Thu Jun 11, 2020 7:45 am
Forum: Personal Consumer Issues
Topic: Backyard renovation: lawn vs pollinator garden
Replies: 24
Views: 1500

Re: Backyard renovation: lawn vs pollinator garden

As a follow up, here are a couple links where you can filter plants for your area specifically. Start with your state, then filter by plant height, type (flower, grass, fern, shrub), sun requirements, water requirements, bloom color, etc: https://plants.usda.gov/checklist.html https://www.wildflower...
by sjt
Wed Jun 10, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Backyard renovation: lawn vs pollinator garden
Replies: 24
Views: 1500

Re: Backyard renovation: lawn vs pollinator garden

My yard is not really ripe for a lawn due to lots of tree shade, and me not being interested into pumping time / money / chemicals into it just so I can pump more time into mowing it. Many homes in this neighborhood (a "tree protected" community) have natural / unkept yards which have a lot of leave...
by sjt
Wed Jun 03, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: First Model Year Acura
Replies: 18
Views: 1213

Re: First Model Year Acura

Also consider the Audi A4 or Genesis G70 - the two highest ranked in the class with excellent expected reliability and general scores. Audi has excellent reliability? Did I somehow get transported to an alternate dimension? Jokes aside, I have a 2010 Mazda3 which is the first year for that generati...
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: 6392

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: 214

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: 57598

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: 1103

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: 2478

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: 612

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: 37814

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: 1481

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: 6668

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: 8242

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: 89
Views: 7734

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: 2933

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: 2933

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: 8355

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: 3435

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: 4556

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: 965

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: 9133

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: 2234

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: 3083

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: 8021

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: 1985

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: 4183

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: 1130

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: 1219

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: 11403

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: 2055

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: 283

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: 779

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: 3661

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: 1876

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: 13709

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: 839

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'?