Bogleheads.org

TheAccountant

Lake Placid. Get a hotel room that overlooks one of the lakes.

TheAccountant

Portfolio wise I don’t do anything other than make sure my asset allocation is in line with my investment goals.

TheAccountant

Everything I mail to the taxing agencies goes via USPS Certified Mail with Return Receipt.

TheAccountant

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...

TheAccountant

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...

TheAccountant

IMO the side hustle that'll have the best ROI is taking your day job and turning it into your side hustle.

TheAccountant

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...

TheAccountant

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.

TheAccountant

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...

TheAccountant

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.

TheAccountant

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. ...

TheAccountant

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...

TheAccountant

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.

TheAccountant

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.

TheAccountant

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.

TheAccountant

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...

TheAccountant

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 ...

TheAccountant

+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

TheAccountant

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.

TheAccountant

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.

TheAccountant

My advice? Find someone else to drive.

TheAccountant

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.

TheAccountant

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?

TheAccountant

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...

TheAccountant

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...

TheAccountant

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...

TheAccountant

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...

TheAccountant

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...

TheAccountant

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.

TheAccountant

You have it made. Do NOT leave that job.

TheAccountant

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

TheAccountant

Money market account.

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

TheAccountant

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

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

TheAccountant

You'll catch me riding a bicycle before driving a crossover.

TheAccountant

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...

TheAccountant

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...

TheAccountant

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

TheAccountant

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/

TheAccountant

Interesting. I just checked my Citi agreement, and it says that selling tradelines/piggybacking is a violation of the cardholder policy.

TheAccountant

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...

TheAccountant

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.

TheAccountant

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...

TheAccountant

Happy wife, happy life, OP.

I'd get the van.

TheAccountant

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...

TheAccountant

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...

TheAccountant

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.

TheAccountant

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

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

TheAccountant

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.

TheAccountant

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.

TheAccountant

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...

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