Search found 91 matches

by nickjoy
Fri Jan 11, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1664

Re: Cleaning Car Battery Terminals

Go to any parts store and there is a battery terminal cleaner tool for about 2 or 3 bucks. You take the wire off it, put the terminal on it, then twist, the metal wires scrape off corrosion. If there are bad areas left, you can take the cap off the tool and there is a wire brush for you to get into ...
by nickjoy
Fri Sep 28, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Overseas contractor needs Retirement account
Replies: 1
Views: 208

Overseas contractor needs Retirement account

Hello everyone, My friend is a contractor over in the sandbox (28yo). He recently separated from the Army and can't contribute to their TSP (Army version of 401K) anymore. He's making some good money and needs to get back into putting his money into the right places. Currently he has 0 debt and over...
by nickjoy
Thu Jul 19, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Fence question
Replies: 18
Views: 1846

Re: Fence question

1. Talk to your neighbor about it. 2. Put your fence on the property line. 3. Mowing that section is your neighbors problem now (see point 1) Your neighbor might like the shared privacy fence and just take down that section of their iron fence If you pay for it all, they can't do anything about it. ...
by nickjoy
Wed Jul 18, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Update: GMU rejected me. So UMD it is. The dilemma is over!!!!!

Thanks to everyone for your help and input/insight!
by nickjoy
Wed Jul 18, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Congrats, OP, on your admissions! If I were you, Maryland would be the pick for the reasons you and others already stated. For example, right now I'm handstuffing about 800 envelopes. I do this every two weeks. Wow, how do you do that while simultaneously typing out a thorough post on the BH forum?...
by nickjoy
Thu Jul 12, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

mcxavierdaniel wrote:
Wed Jul 11, 2018 3:52 pm
What was your GMAT score?
Didn't take GMAT.

GRE score is 159/154/4.0

Nothing exceptional, floating right around average.
by nickjoy
Thu Jul 12, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

It's always nice having BS-Engineering/MBA or BS-Accounting/MBA-Finance people in the corporate office to compete with. Or if you already had a business BS degree get a 2nd BS degree in Finance. A couple Finance courses, Business Statistics, and Linear Solutions course is all it should take. Not on...
by nickjoy
Mon Jul 09, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Flooring for New House
Replies: 57
Views: 4767

Re: Flooring for New House

I'm not a home repair expert, but I know some vinyl floors are put on with a glue, if you need to replace a section of the vinyl, when you pull it up, the glue will rip and jack up that vinyl section. It sounds like you might have a bunch of small sections, but I've seen it where the floor was one b...
by nickjoy
Thu Jul 05, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Fair enough and I don't disagree with pursuing a MBA and have one myself. I did reply earlier that UMD looked like the best choice. Just pointing out coursework/certification/licenses in conjunction with the MBA could assist with career progression, new roles, etc. When I did my MBA I also obtained...
by nickjoy
Thu Jul 05, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Can you find an educational solution to your lack of technical training? That might be a good step if you are planning on staying with the company as it seems and it's a weakness you're aware of (you could combine it with MBA and if the technical training can be done in something like a graduate ce...
by nickjoy
Thu Jul 05, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Hello All, Thank you all for your help. I am definitely going to go get the MBA. The sooner I knock it out, the sooner I reap the benefits. My company has a policy where they will pay 4K per year(Aug-Jul) of schooling. I can technically stretch my degree to get a third year at GMU, or a 4th at UMD b...
by nickjoy
Thu Jun 28, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Hello All, Thanks for all of your replies, I appreciate all of them. This discourse kind of reinforces my dilemma. As for the ROI, I 100% believe I'll get my money back, even if it costs 70K. If I get a 2 grand a year raise, it will take 35 years to pay it back, which means I'll break even at 61 (ye...
by nickjoy
Tue Jun 26, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Why are you getting an MBA? Once you answer this question, perhaps we will be better suited to answer yours. Money, job opportunities, finding a more fulfilling career. I have a bio undergrad that I don't use at all. Rather than getting another Bachelor, this is a way to shift more into the busines...
by nickjoy
Tue Jun 26, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Thanks everyone for the replies. But these responses show my dilemma. All three schools are local schools around the DC area and are known pretty well locally. Everybody knows UMD, but I don't have any plans on moving areas due to my wife being locked to this area. To make matters worse, I'm about t...
by nickjoy
Tue Jun 26, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

Re: MBA Options

Are the programs the same or do they have different concentrations available? If so, pick the one that has the best program in your planned area of study. Don't just accept the rankings as a number, look at what is behind the rankings and at what is important to you. Of course, cost may be a greate...
by nickjoy
Tue Jun 26, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 5126

MBA Options

Hello Everybody, For anybody who has/is around people with MBAs I have a question. I recently was admitted to 2 MBA programs and a 3rd is pending, I'm asking some advice on where to go: School #1: Accepted American University Online Cost: 89K MBA rank: 79 Part-Time MBA rank: 172 School#2: Accepted U...
by nickjoy
Tue Jun 26, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: anyone working overseas? pros-cons?
Replies: 22
Views: 2869

Re: anyone working overseas? pros-cons?

My friend right now is over in the sandbox as a contractor. He does 3 months on, 1 month off. Pros: You make a crap ton of money You make even more money if you're out of the country for 330 or more days because no federal tax (don't quote me on this, do your own research) Company usually pays for y...
by nickjoy
Fri Apr 13, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 2080

Re: Should I insulate my garage?

Yes, it is worth it. Especially if you do it yourself. I worked for a garage door company that my father started in the mid 80's. Insulating just your garage door will keep that room a lot cooler in the summer and warmer in the winter. Since it's an unfinished garage, you can do it yourself pretty e...
by nickjoy
Tue Feb 27, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 5267

Re: "FREE" Employer Group Life - Really Costs You !

I work in payroll and a lot of people don't understand this. We add it to your gross and then deduct it so you only pay tax on it. But some people have $140 per bi-weekly paycheck added which is a lot. My company has about 3700 employees and will absolutely not let anyone opt out of it. I pay $1.27 ...
by nickjoy
Tue Feb 27, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: "FREE" Employer Group Life - Really Costs You !
Replies: 52
Views: 5267

Re: "FREE" Employer Group Life - Really Costs You !

The age brackets and cost facctors are below:

Under 25 $0.05
25-29 $0.06
30-34 $0.08
35-39 $0.09
40-44 $0.10
45-49 $0.15
50-54 $0.23
55-59 $0.43
60-64 $0.66
65-69 $1.27
70+ $2.06
by nickjoy
Mon Jan 29, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 6486

Re: Exterminator Accidently Sprayed our Home

The stuff they spray isn't toxic to humans as long as you don't eat large quantities of it. It's even fine for most pets except fish. I pay a guy to spray the inside and outside of my house and would be thrilled if I got an extra accidental treatment. The cat doesn't seem to mind either. +1 The pes...
by nickjoy
Mon Jan 29, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Exterminator Accidently Sprayed our Home
Replies: 55
Views: 6486

Re: Exterminator Accidently Sprayed our Home

The stuff they spray isn't toxic to humans as long as you don't eat large quantities of it. It's even fine for most pets except fish. I pay a guy to spray the inside and outside of my house and would be thrilled if I got an extra accidental treatment. The cat doesn't seem to mind either. +1 The pes...
by nickjoy
Mon Jan 29, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for a different position internally.
Replies: 5
Views: 587

Re: Applying for a different position internally.

I was in a similar situation last year. I was offered a job by another department, I was gonna take it. Then they (new dept.) told my current department manager. Current dept. had a meeting with me and I told them my frustrations (mostly money). Slight bidding war happened. I stayed at my current de...
by nickjoy
Fri Jan 26, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Is dry cleaning worth it?
Replies: 23
Views: 3648

Re: Is dry cleaning worth it?

I don't use anything but ZIPS which is @2.29 per item. Curtains might be a little bit more, but other cleaners clean out my wallet as well as my clothes. Also, I only get my suit dry cleaned once a year ( i only wear it once or twice). Everything else goes in the wash. If you fold it right when it c...
by nickjoy
Thu Jan 25, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 4146

Re: what is the best mouse poison?

Don't worry about the poison getting into other animals. That's phooey and hasn't been back up by any scientific study. A search on secondary rodenticide poisoning turns up many studies. Here's one discussion http://www.audubon.org/magazine/january-february-2013/poisons-used-kill-rodents-have-safer...
by nickjoy
Tue Jan 23, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 4146

Re: what is the best mouse poison?

Don't worry about the poison getting into other animals. That's phooey and hasn't been back up by any scientific study. That mountain lion having traces of poison in him doesn't mean anything. You probably have traces of tide pod in you right now from absorbing it through your fingers. Big animals t...
by nickjoy
Tue Jan 23, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 3388

Re: Is a minivan the only commuter vehicle / backup with 3 children?

What's wrong with the corolla you currently have? Is there a reason you think it's unsafe? 30 miles is not far at all, it's even well within the towing range if you have AAA or some insurances so you could always have the car towed back to your house if needed. Also, +1 for the highlander. But it is...
by nickjoy
Tue Jan 23, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Compensation for vehicle travel
Replies: 8
Views: 994

Re: Compensation for vehicle travel

This seems to be a personal business choice to me. It's up to you how you want to structure your fees/prices for customers. My anecdotal story: My father owned a company and would only charge for travel time if it was the government or if the customer was 45+ minutes away from the closest job. He fi...
by nickjoy
Tue Jan 16, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 8940

Re: New Garage Doors

If you're getting a new door, see if you can get the installer to use adjustable tracks instead of fixed tracks. Basically it makes the two L brackets that attach the track to the wall have a slot where you can adjust it in/out from the wall. It's easier to install since you don't have to use shims...
by nickjoy
Tue Jan 16, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 8940

Re: New Garage Doors

If you're getting a new door, see if you can get the installer to use adjustable tracks instead of fixed tracks. Basically it makes the two L brackets that attach the track to the wall have a slot where you can adjust it in/out from the wall. It's easier to install since you don't have to use shims...
by nickjoy
Wed Jan 10, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 8940

Re: New Garage Doors

Horman 4250 (They were 4200's back in my day lol). Absolutely phenomenal door, super quiet, lasts a long time. They used to come with this really really good looking vinyl wrap that looked just like wood. It was a really good wrap and didn't have that plastic sheen on them. They were beautiful. But ...
by nickjoy
Wed Jan 10, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 8940

Re: New Garage Doors

In looking how the Hormann panels fit together, they have a tung and groove that overlap to provide a good seal. Is there a gasket between panels from any of the manufacturers. It would seem the most heat loose would between panels and not through the panels. My plan is to start with new garage doo...
by nickjoy
Tue Jan 09, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Minimizing effect of first speeding ticket
Replies: 28
Views: 2819

Re: Minimizing effect of first speeding ticket

In Maryland, if it's your first ticket and you're young, if you go to court you'll get PBJ and be done with it. PBJ is Probation before Judgement. Basically probation for X months or X years and if you go that long without another ticket you're golden. If you do get another ticket in that time, you ...
by nickjoy
Mon Jan 08, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 8940

Re: New Garage Doors

Anyone have any recommendations on buying a door that doesn't rust? Our house is about 13 years old and on one side of the garage door, all the way at the bottom, there is a little rust. I believe this is happening because in the winter this portion of the garage has a little water/salt that pools ...
by nickjoy
Mon Jan 08, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 49
Views: 8940

Re: New Garage Doors

[restarted thread, check posting dates - admin alex] Don't trust those R factor ratings. Several companies test their garage door by cutting out a 1x1 square and putting that in a machine to test heat transfer. They also seal up the edges with caulk during this test to test only the panel. Well tha...
by nickjoy
Wed Dec 27, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 11488

Re: Diamonds are forever.

YouTube video: Why Engagement Rings Are a Scam - Adam Ruins Everything

[link formatted by admin LadyGeek]

Diamonds instantly lose almost all of their value. If you don't believe me, before you go and trade yours in, try and see how much you can sell it for vs how much you paid for it.
by nickjoy
Wed Dec 27, 2017 9:33 am
Forum: Personal Investments
Topic: Cash on hand
Replies: 21
Views: 1647

Re: Cash on hand

I like about $400-650 just in case I see something at a yard sale that I really want or is a good deal. I also try and keep at least $120 on me for those exact situations (and for stupid toll roads that don't take cards cough cough NJ Turnpike cough).
by nickjoy
Wed Dec 27, 2017 9:30 am
Forum: Personal Investments
Topic: Can I afford a $600-650k house?
Replies: 60
Views: 9154

Re: Can I afford a $600-650k house?

Hey there OP, Congratulations on getting engaged! I'm in a very similar situation as you, I live in VA on the yellow line. You have more saved up and a little higher combined salary than me so Kudos to you. Have you thought about the school districts? I know that in DC you pretty much have to be in ...
by nickjoy
Fri Dec 15, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Uber vs Ambulance - HUGE cost difference
Replies: 85
Views: 12679

Re: Uber vs Ambulance - HUGE cost difference

If it makes a difference, I know in the county where I grew up, you only had to pay the city ambulance bills. The non-city ambulances would still send you a bill, but if you didn't pay it after the 3 bills came in the mail, they just wrote it off. The city ambulances would go to collections. Frederi...
by nickjoy
Tue Dec 12, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Access to landlocked timber blocked by landowner
Replies: 30
Views: 3942

Re: Access to landlocked timber blocked by landowner

Watch out for streams. I know I stopped a dubious neighbor from finishing his poorly thought out driveway through the middle of my property by alerting the EPA that they were going over a stream. The EPA called them up and said if you cross a stream without building a county inspected bridge, the fi...
by nickjoy
Mon Dec 11, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Sprint one year free - what an ordeal!
Replies: 12
Views: 2039

Re: Sprint one year free - what an ordeal!

My girlfriend did this a month or two ago. She gets a bill in the mail for about $4 every month.

It was super easy for her to set it up.
by nickjoy
Thu Dec 07, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 11969

Re: Mortgage as percentage of take-home pay

Hello All, I am not trying to derail this thread, but is the rule/guideline to save approximately 30% of your gross? If so, then no matter how you save that 30% you should be relatively good. Isn't paying down a mortgage considered saving once you exclude the interest paid since that doesn't increas...
by nickjoy
Wed Nov 29, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: quiet natural gas generators
Replies: 38
Views: 3972

Re: quiet natural gas generators

I would suggest regular gas generators. If you're worried about being snowed in for multiple days, it's really nice to have all of your machines on one fuel source. That way, if you are snowed in for a long time, you can siphon gas out of your cars/lawnmowers/snowblowers/etc. to fuel your generator ...
by nickjoy
Tue Nov 28, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct and alternatives
Replies: 119
Views: 15397

Re: TaxAct and alternatives

IRS has some free file services that are essentially the deluxe version of various Tax software. Last year I used it and basically got H&R block Deluxe fo free. Catch is, you gotta make less than $64K and you gotta watch your logins. They tried to trick me and switch me over to the paid version a ti...
by nickjoy
Tue Nov 14, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16736

Re: H&R Block Software

It's a federally required program. Go to the IRS website Jan-APR of next year and you'll see links to the free-file program. Does the IRS website have a download link similar to H&R Block/Amazon or do you 1st have to create an identity, ie. an email address? I just did it online. You can always dow...
by nickjoy
Tue Nov 14, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16736

Re: H&R Block Software

If you make under 60K a year, you can use H&R block, Tax Slayer, and a couple other program for absolutely free. You get the equivalent of their deluxe or premier package. How ? It's a federally required program. Go to the IRS website Jan-APR of next year and you'll see links to the free-file progr...
by nickjoy
Mon Nov 13, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 5416

Re: Septic tank - deal killer?

I grew up in a house with a Septic tank. Started with 5 people, eventually whittled down to 2, and now just one person living there. Never had it pumped. Built in '94. My father always put Rid-X in the toilets one a month. Never had a problem. As the number of people went down, he got less and less ...
by nickjoy
Mon Nov 13, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Questions about free tax filing
Replies: 9
Views: 1546

Re: Questions about free tax filing

But this year I have had little income and big enough deductions to reduce my taxable income to a tiny puddle. I figure I qualify for free filing because of low income. But now I am wondering whether the free options include the forms I will need to itemize deductions and document stock sales. I ju...
by nickjoy
Mon Nov 13, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16736

Re: H&R Block Software

If you make under 60K a year, you can use H&R block, Tax Slayer, and a couple other program for absolutely free. You get the equivalent of their deluxe or premier package.
by nickjoy
Thu Nov 09, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: HSA Family Account/Question
Replies: 1
Views: 267

Re: HSA Family Account/Question

https://www.bogleheads.org/wiki/Health_savings_account

There can be beneficiaries.

Not 100%, but you should look up IRS guidelines on eligible expenses

You'll need to contact BoA for the investment options, each bank is different