Search found 230 matches

by TheAccountant
Fri Nov 15, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Romantic northeast winter weekend getaway?
Replies: 28
Views: 3360

Re: Romantic northeast winter weekend getaway?

Lake Placid. Get a hotel room that overlooks one of the lakes.
by TheAccountant
Fri Nov 15, 2019 9:17 pm
Forum: Investing - Theory, News & General
Topic: Preparing for a down market
Replies: 78
Views: 6993

Re: Preparing for a down market

Portfolio wise I don’t do anything other than make sure my asset allocation is in line with my investment goals.
by TheAccountant
Tue Nov 05, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to ensure USPS mailed tax return makes it to IRS
Replies: 63
Views: 5522

Re: Best way to ensure USPS mailed tax return makes it to IRS

Everything I mail to the taxing agencies goes via USPS Certified Mail with Return Receipt.
by TheAccountant
Tue Nov 05, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 41
Views: 5742

Re: Robinhood, Heading for a Trainwreck?

Don't give fintech startups your money. These companies exist in a Silicon Fairytale Land where money grows on trees and losing billions every year in the name of growth is an acceptable practice. Why would they be concerned if they lose your money? In this case it is the other way around (investor...
by TheAccountant
Tue Nov 05, 2019 4:12 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 41
Views: 5742

Re: Robinhood, Heading for a Trainwreck?

Basically what happened was the margin limit somehow was able to be bypassed. https://robinhood.com/support/articles/360026164112/overview/ Not sure how margin calls are going to work in this case: https://robinhood.com/support/articles/360026463951/margin-calls/ It'll be interesting to see how this...
by TheAccountant
Thu Aug 29, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle
Replies: 51
Views: 3459

Re: Side Hustle

IMO the side hustle that'll have the best ROI is taking your day job and turning it into your side hustle.
by TheAccountant
Thu Aug 29, 2019 4:36 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10054

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...
by TheAccountant
Thu Aug 29, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 3087

Re: Looking to buy a Patagonia jacket. Which are your favorites?

One of my ski buddies has the Down Sweater. No complaints, and that price on Patagonia's site looks really good for what you get. IIRC my LL Bean jacket cost more than the Patagonia.
by TheAccountant
Sun Aug 25, 2019 10:55 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3887

Re: Another car affordability question, YOLO vs. extreme FI

I was in your shoes this week. I found a car I’ve always wanted in great shape and for the right price. I slept on it and looked at it from a numbers perspective. I already own a car that I like, and there’s nothing wrong with it. The purchase price is just a small fraction of what you’ll be spendin...
by TheAccountant
Sat Aug 24, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 75
Views: 11560

Re: Prepare for Recession?

UpperNwGuy wrote:
Wed Aug 21, 2019 5:27 pm
If you’ve been maintaining an asset allocation that matches your risk tolerance, and keeping your emergency fund up to date, then you’re already prepared for whatever the economy might do. No special actions need be taken.
+1.
by TheAccountant
Sat Aug 24, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10054

Re: The cost to talk to a doctor

IMO I’d try to find a different doctor/practice. $ 150+ just to ask them a question is absurd. I think the OP is using “talk to the doctor” as a euphemism for an office visit. The prices would seem to reflect E&M services of varying complexity. In that case it would make sense to bill the patient. ...
by TheAccountant
Sat Aug 24, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 10054

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to find...
by TheAccountant
Sat Aug 24, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Budget for a new professional out of college
Replies: 48
Views: 3206

Re: Budget for a new professional out of college

I can send you the budget I used when I was fresh out of college. Of course you’ll have to tailor it to her income and necessary expenses.
by TheAccountant
Sat Aug 24, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159076

Re: What frugal thing did you do today?

Passed on buying my dream car. Even though I could pay cash and it was a great deal, the car I have now works just fine and i couldn’t bring myself to replace it simply because I wanted to.
by TheAccountant
Thu Aug 22, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 18170

Re: White collars- How much is your work downtime?

How big is the company you work for?

Are you a full-charge Accountant?

I work for a small tech company and have minimal downtime. An hour a week, if that. I do everything from monthly reconciliations to payroll.
by TheAccountant
Tue Aug 20, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Buying an older used car - any new/different ideas?
Replies: 64
Views: 3693

Re: Buying an older used car - any new/different ideas?

Here's what I did when I was in your situation: http://chrisleoonline.com/dodge-dakota-review/ I put about 6,000 miles/year on it, mostly highway driving and towing. According to Fuelly, I've put about $ 3,400 into it since the purchase. This includes winter wheels and tires, as well as new tires fo...
by TheAccountant
Fri Aug 09, 2019 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 3129

Re: Have you started a blog?

1. I used hostgator for hosting and YouTube videos for setting up the WordPress/elementor theme. 2. I’ve done zero promoting, all traffic is organic. I haven’t looked but I’m getting something like 300 users a month. Pretty pathetic. 3. I tried to monetize it - I think I made 16 dollars so far this ...
by TheAccountant
Sat Jun 15, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 5563

Re: Anyone buy Security Cams from Costco?

+1 for Arlo.

I've had mine for about a year now.

Pluses:
No wires to run
Magnetic mount
Can be moved
Good quality
Free cloud storage

Minuses:
Doesn't always pick up motion
Sometimes wind and rain will set off motion, draining battery
by TheAccountant
Sat Jun 15, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 48060

Re: What lifestyle creep made you happier?

Buying a boat.

I went used and do all of the maintenance myself, which helps keep costs down. I also trailer it, so I can buy gas on land instead of at the marina where it's usually $ 1.50 per gallon more expensive.
by TheAccountant
Mon Jun 10, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 21313

Re: Paying for rent is throwing away money...myth?

Another thing people don't realize is that rent is negotiable (to an extent.)

Again, depends on location, but if there's a place that's been advertised for 6+ months, chances are you can talk the landlord down in price.
by TheAccountant
Mon Jun 10, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Travel Advice driving through NYC to Long Island
Replies: 19
Views: 1702

Re: Travel Advice driving through NYC to Long Island

My advice? Find someone else to drive.
by TheAccountant
Mon Jun 10, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 15818

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Everything nice I've ever purchased has lost it's novelty in about a month.

All humble bragging aside, given your situation I'd say you have earned the right to buy any car you want.
by TheAccountant
Mon Jun 10, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 8062

Re: Do you drive old cars for long distance travels?

Cars are made to be driven. If you even remotely maintain your vehicle and it isn't rusted out to the point of being unsafe, then I would have no problem taking it on a long trip.

This past winter I took a 16 year old pickup truck on an 8 hour (one way) ski trip to Maine. Does that count?
by TheAccountant
Mon Jun 10, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 21313

Re: Paying for rent is throwing away money...myth?

Buying vs. Renting is completely dependent on location. Like others already said, you need to run the numbers (buy vs. rent calculators are great) to see what truly makes the most sense. It also pays to take life into consideration. Are you moving to a new area? You might be better off renting to se...
by TheAccountant
Tue Apr 30, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice: Repair Car or Purchase Used Car
Replies: 29
Views: 1146

Re: Seeking Advice: Repair Car or Purchase Used Car

OP drives 35K miles a year, or almost 100 miles a day. Probably spends 1.5-2 hours daily in this vehicle, on average. OP makes a good income, and saves a lot. Even if there is more life left in the Sonic, after brake repair, it's OK for OP to get a newer, better vehicle IMO. That said, a pickup sou...
by TheAccountant
Tue Apr 30, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice: Repair Car or Purchase Used Car
Replies: 29
Views: 1146

Re: Seeking Advice: Repair Car or Purchase Used Car

You didn't say how much cash you have, but I absolutely would not replace this car if you drive 35,000 miles per year. Run it into the ground, then dig it up and keep driving it. ... Many folks will disagree with me here, but from a business standpoint, a pickup truck is a tool best used for what t...
by TheAccountant
Tue Apr 30, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: Seeking Advice: Repair Car or Purchase Used Car
Replies: 29
Views: 1146

Re: Seeking Advice: Repair Car or Purchase Used Car

Hi everyone, I am 26 years old and have been driving a used 2012 Chevrolet Sonic since 2014. I drive about 35,000 miles per year currently and the car currently needs about $1,000 invested into it for brakes and some other needs. The car is worth about $3,000 right now. I am looking for some advice...
by TheAccountant
Mon Apr 29, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 5658

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

I recently came up with a list of the best personal finance books by consumer category: http://chrisleoonline.com/personal-finance-book/ I think Dave Ramsey and Rich Dad Poor Dad would help them, but the others may appeal to them as well. You think the best overall personal finance book is Rich Dad...
by TheAccountant
Mon Apr 29, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 5658

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

I recently came up with a list of the best personal finance books by consumer category:

http://chrisleoonline.com/personal-finance-book/

I think Dave Ramsey and Rich Dad Poor Dad would help them, but the others may appeal to them as well.
by TheAccountant
Sat Apr 20, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3964

Re: leaving state job / pension. ..... bad idea?

You have it made. Do NOT leave that job.
by TheAccountant
Sat Apr 20, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: What are your 5 favorite tools (hand, power, other)
Replies: 33
Views: 2647

Re: What are your 5 favorite tools (hand, power, other)

1. Porter Cable random orbital polisher
2. Harbor Freight Earthquake XT Impact Gun
3. Oil Spray Gun (for DIY Undercoating - a must here in the salt belt.)
4. Sawzall
5. Cordless drill
by TheAccountant
Wed Mar 27, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4252
Views: 1227487

Re: What Book Are You Currently Reading? Part VI

I put together a top 10 list if anyone is interested:

http://chrisleoonline.com/personal-finance-book/
by TheAccountant
Tue Mar 26, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 13483

Re: Family man who misses driving a fun car

Image

You'll catch me riding a bicycle before driving a crossover.
by TheAccountant
Mon Mar 25, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4252
Views: 1227487

Re: What Book Are You Currently Reading? Part VI

Too Big to Fail by Andrew Ross Sorkin . It's an inside look on the 2008 financial crisis. ... Agree on the Sorkin book as one of the best on the crisis, although there are many good ones. Another that has stayed with me since reading it in 2011 is All The Devils Are Here by Bethany McLean and Joe N...
by TheAccountant
Mon Mar 25, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 10173

Re: I would like a boat. I also know nothing about boats

20-23 foot bowrider with a fuel injected V8. I did a blog post outlining every single expense incurred since purchasing my boat last year. You can read it here if you’re interested: http://chrisleoonline.com/how-much-a-boat-costs-per-year/ If you’re trailering, 20 feet would probably be the best com...
by TheAccountant
Tue Mar 19, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Hear Clark Howard on 3/18?
Replies: 7
Views: 1144

Re: Anyone Hear Clark Howard on 3/18?

Slacker wrote:
Tue Mar 19, 2019 9:45 pm
This topic has a very long, informative and maybe a bit overly enthusiastic thread on the Mr Money Mustache forum.

Edit to add: Is this post intended to drive traffic to your blog?
I'll have to check it out, I'm a member on his site as well. Thanks
by TheAccountant
Tue Mar 19, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Hear Clark Howard on 3/18?
Replies: 7
Views: 1144

Re: Anyone Hear Clark Howard on 3/18?

UpperNwGuy wrote:
Tue Mar 19, 2019 9:44 pm
How do you rent out your credit score without renting out your whole identity as a person?
I didn't want to list their site on the blog, but here's the company I was referring to: https://www.businesstradelines.net/rent ... dit-score/
by TheAccountant
Tue Mar 19, 2019 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Hear Clark Howard on 3/18?
Replies: 7
Views: 1144

Re: Anyone Hear Clark Howard on 3/18?

Interesting. I just checked my Citi agreement, and it says that selling tradelines/piggybacking is a violation of the cardholder policy.
by TheAccountant
Tue Mar 19, 2019 9:36 pm
Forum: Personal Consumer Issues
Topic: Security camera with local storage and remote access?
Replies: 45
Views: 3315

Re: Security camera with local storage and remote access?

Arlo Pro, hands down. I got mine for $ 265 shipped on eBay, and it came with two cameras. You can put a USB stick in the back, or plug in an external hard drive. The best part is the FREE cloud storage for 7 days, and access to the cameras from anywhere. Also being completely wireless is a huge plus...
by TheAccountant
Tue Mar 19, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should we have renters insurance?
Replies: 68
Views: 4324

Re: Should we have renters insurance?

I pay $ 12 per month for renter's insurance, which covers $ 50,000 worth of my stuff and $ 1,000,000 in liability.

You can't afford NOT to have renter's insurance.
by TheAccountant
Tue Mar 19, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Hear Clark Howard on 3/18?
Replies: 7
Views: 1144

Anyone Hear Clark Howard on 3/18?

I haven't really listened to Clark a lot, as I have a ton of podcasts on my unplayed stack, but this one came on while I was at work and I let it play through. A topic came up where the caller asked if it was OK to rent out his credit score to make money. I wrote about it more in my blog if anyone i...
by TheAccountant
Sun Mar 17, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: How would you bargain for unique items?
Replies: 23
Views: 1828

Re: How would you bargain for unique items?

You need to find some sort of market data showing what that item recently sold for. eBay's "sold listings" feature is a good start. I have the market data but it ranges from anything from $80 to $600, and for some really beautiful ones maybe even in the low thousands. The trouble I'm having is that...
by TheAccountant
Sun Mar 17, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4252
Views: 1227487

Re: What Book Are You Currently Reading? Part VI

Too Big to Fail by Andrew Ross Sorkin . It's an inside look on the 2008 financial crisis. Of course my local library gets a copy after I already bought one, but it was only about $ 7 shipped on eBay. I forgot how much easier on the eyes a paperback copy is. Amazon wanted $ 15 just for the Kindle ve...
by TheAccountant
Tue Mar 12, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 75
Views: 7649

Re: Lawn care schedule

Scotts has an app that uses your location to develop a lawn care plan. You don't have to use their products necessarily, although I always did and had a green, lush, relatively weed-free lawn.
by TheAccountant
Mon Mar 11, 2019 11:01 pm
Forum: Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 81
Views: 14756

Re: Where do you keep your Emergency Fund?

In a money market account at a separate bank from your checking account.

http://chrisleoonline.com/use-a-money-m ... ency-fund/
by TheAccountant
Mon Mar 11, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: How would you bargain for unique items?
Replies: 23
Views: 1828

Re: How would you bargain for unique items?

You need to find some sort of market data showing what that item recently sold for.

eBay's "sold listings" feature is a good start.
by TheAccountant
Mon Mar 11, 2019 9:59 pm
Forum: Personal Investments
Topic: Best online high yield savings suggestions
Replies: 37
Views: 5521

Re: Best online high yield savings suggestions

I just wrapped up blogging about this topic.

http://chrisleoonline.com/use-a-money-m ... ency-fund/

I really like Marcus by Goldman Sachs. No complaints, and I've had them for a couple of years now, even before the name change.
by TheAccountant
Mon Mar 04, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Convince aging parents to pay for snow removal
Replies: 64
Views: 4119

Re: Convince aging parents to pay for snow removal

Here's an idea: How about getting them a snowblower instead? They still get to clear their own driveway, but at the same time reduce the physical demand of doing so. I got mine new from Home Depot for about $ 700, with free delivery. This one: https://www.homedepot.com/p/Sno-Tek-24-in-2-Stage-Electr...