Search found 132 matches

by snowox
Thu Dec 14, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Saved a lot by cell phone 'family plan'
Replies: 21
Views: 1888

Re: Saved a lot by cell phone 'family plan'

I got a great deal with Sprint lately as well. 6 phones all I-8s , unlimited everything and they bought out my US Cellular contract for just about 160$ all in a month and comes with free Hulu. Savings of over 115$ kids in college in different states and so far so good Why didn't you go for their on...
by snowox
Thu Dec 14, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: I’ve made huge errors and hope it’s not too late
Replies: 33
Views: 3845

Re: I’ve made huge errors and hope it’s not too late

Yes you made some financial mistakes by not participating in the markets BUT you did well otherwise and are way ahead of most people your age so thats the reality. As others mentioned as long as you get going now with your income, lack of debt you could easily retire early if you wanted to. So in yo...
by snowox
Thu Dec 14, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Saved a lot by cell phone 'family plan'
Replies: 21
Views: 1888

Re: Saved a lot by cell phone 'family plan'

I got a great deal with Sprint lately as well. 6 phones all I-8s , unlimited everything and they bought out my US Cellular contract for just about 160$ all in a month and comes with free Hulu. Savings of over 115$ kids in college in different states and so far so good Why didn't you go for their on...
by snowox
Thu Dec 14, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1078

Re: Need to find a Used/Refurbished Macbook Air

Thanks for all the sites. Not sure on budget its her money!
by snowox
Thu Dec 14, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1078

Need to find a Used/Refurbished Macbook Air

My duaghter in college has given me a million reasons that I dont understand why she needs/wants an Macbook Air for school. I dont know jack about Apple so I told her to hold off and see about buying a used or refurbished one as I have seen people here talk about buying that way. I am simply looking...
by snowox
Thu Dec 14, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Saved a lot by cell phone 'family plan'
Replies: 21
Views: 1888

Re: Saved a lot by cell phone 'family plan'

I got a great deal with Sprint lately as well. 6 phones all I-8s , unlimited everything and they bought out my US Cellular contract for just about 160$ all in a month and comes with free Hulu. Savings of over 115$ kids in college in different states and so far so good
by snowox
Thu Dec 14, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 81
Views: 6718

Re: 2018 financial goals - what are yours?

For 2018 Take 25% less from my retirement funds and draw down my cash surplus to offset our needs Put my Wife's entire net check into 401k (with the catch up that goes in effect this year), HSA and 529s so in essence having no taxes due at end of year. Challenging myself since Fire'd to earn 100$ a ...
by snowox
Wed Dec 13, 2017 6:00 am
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3542

Re: best cashback credit card ?

This might seem like a dumb question but what does rotating categories mean? seems self explanatory but that would make it a pain in the butt if I am understanding it right. The categories (Restaurants, Wholesale clubs, gas, etc) rotate every month/quarter depending on the card. You can get 5% back...
by snowox
Tue Dec 12, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3542

Re: best cashback credit card ?

This might seem like a dumb question but what does rotating categories mean? seems self explanatory but that would make it a pain in the butt if I am understanding it right. The categories (Restaurants, Wholesale clubs, gas, etc) rotate every month/quarter depending on the card. You can get 5% back...
by snowox
Tue Dec 12, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3542

Re: best cashback credit card ?

Amex Blue Cash Preferred- 6% Groceries Sam's Club MasterCard - 5% Gas, 3% Dining, 3% Travel Discover It - 5% rotating categories Chase Freedom - 5% rotating categories Amazon Prime Visa Signature - 5% Amazon purchases Citi Double Cash - 2% everywhere else (utilities/bills/etc. and non-higher catego...
by snowox
Tue Dec 12, 2017 6:00 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 5916

Re: Snow Tires? Worth it?

Absolutely! there worth it. A little hassle for being much safer kinda worth it imo
by snowox
Tue Dec 12, 2017 5:57 am
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3542

Re: best cashback credit card ?

We use American Express Blue Cash Preferred for Groceries (6% back) and Gasoline (3% back). Discover for the occasional 5% categories. Chase Sapphire Reserved for dining out & travel related expenses (3x miles) USAA for everything else (2.5%). My wife gets a little annoyed at all this fumbling arou...
by snowox
Wed Dec 06, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 891

Re: Voya 401k or Not! Not enough in 401ks?

Thats just it. If she only works two more years which was our original plan I think were better off taking the income and looking at other options ,perhaps as you suggested a traditional IRA Why? You'll still get some sliding scale percentage of the match right? 20% a year? so after 2 years, 40% is...
by snowox
Wed Dec 06, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Heuristics - Rising Income
Replies: 15
Views: 1145

Re: Housing Heuristics - Rising Income

I'd say dont spend money you dont have but to some extent thats what your doing if your spending a portion of your paycheck to make a mortgage BUT i for sure would not spend money I am assuming I might have over and beyond that. Save your raises if and when they come!
by snowox
Wed Dec 06, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 891

Re: Voya 401k or Not! Not enough in 401ks?

6 years to be vested in the 401k! Meaning they take some of the match back if she leaves earlier. It's a sliding scale so they take less of it back for each of the 5 years so the match is worthwhile after a couple of years. It's been a long time, but I recall my 401k was something like that too. Th...
by snowox
Wed Dec 06, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 1947

Re: Least/Most Reliable Carmakers Today

Hummer reliability #3? Delete
by snowox
Wed Dec 06, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5749

Re: Mortgage as percentage of take-home pay

Depending on some variables 25 would be my max but could see as high as 30 but no higher than that.
by snowox
Wed Dec 06, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Timing the housing market
Replies: 32
Views: 2081

Re: Timing the housing market

I live in a HCOL area and I am currently looking for a house. I've been reading articles about the "prohibited topic," and many are very pessimistic about what it may do to housing costs and job growth in my area. I realize much of this is speculation. However, it did spark a question in me. One of...
by snowox
Wed Dec 06, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1834

Re: Inexpensive way to ship heavy item...

You can call around buy I doubt as a "single shipper" your going to find and better deal. Companies get discounted rates because of volume. Unless this is just a short little local move I dont see it being cheaper.
by snowox
Wed Dec 06, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 891

Re: Voya 401k or Not! Not enough in 401ks?

While I know I should of been smart after the fact and put in 401k all these years I cant go back and change that mistake. We have 40 years expenses based on my withdrawal rate if we did not cut it so good there so just not sure what is the smart thing to do here. I like just having that extra inco...
by snowox
Wed Dec 06, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2098

Re: working in the oil fields as a mechanic.

My brother was an adventurist and Did the pipeline back in the day in Alaska, worked on the Fishing boats you see the shows on , worked in some mines and he left at 18 and havent seen him since so that was almost 35 years now. Social media and or a letter here or there hes happy as a clam and has ma...
by snowox
Wed Dec 06, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Why should I donate to my alma mater?
Replies: 133
Views: 9376

Re: Why should I donate to my alma mater?

No, I dont. I find giving time and charitable donations to families/ kids that I know is going in a way/at a time I believe in is more important.
by snowox
Wed Dec 06, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11173

Re: After financial independence, do you lose motivation for work?

Having been self employed and being FI quite a bit before I retired I loved working and was motivated to work. I didn't lose my motivation until I hated what I was doing so thats when I decided to retire. It would be fair that there is a part of that that I do miss being excited about building/expan...
by snowox
Wed Dec 06, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 920715

Re: What Movie Have You Recently Watched?

Watching Bosch on our free-trial of Amazon, An Amazon Original. Cant stop , great so far.!
by snowox
Wed Dec 06, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 891

Re: Voya 401k or Not! Not enough in 401ks?

If I understand correctly, she can contribute to her 401k, and you both can contribute to IRAs. You would effectively be shifting $$ from taxable accounts to tax deferred, or tax free. You will have to explore some scenarios to see if you are eligible to contribute to Roth accounts, if you want to ...
by snowox
Wed Dec 06, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Cost of orthopedic cast
Replies: 8
Views: 756

Re: Cost of orthopedic cast

Sounds to me that the first time they charges to put the cast on. The second time the hiked it because they had to remove the first cast then put new one on if I am reading and understanding your post correct. I think you are probably correct. It just seems exorbitant. Yes it does. Depending on you...
by snowox
Wed Dec 06, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 891

Re: Voya 401k or Not! Not enough in 401ks?

Is your question whether or not to contribute to your wife's 401k? Is there a match? What are your marginal federal and state tax brackets? What will your marginal brackets be when DW retires in a few years? Yes should we or do something different The match is 1$ for 1$ up to 3% Were married filed ...
by snowox
Wed Dec 06, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Cost of orthopedic cast
Replies: 8
Views: 756

Re: Cost of orthopedic cast

Sounds to me that the first time they charges to put the cast on. The second time the hiked it because they had to remove the first cast then put new one on if I am reading and understanding your post correct.
by snowox
Wed Dec 06, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Voya 401k or Not! Not enough in 401ks?
Replies: 13
Views: 891

Voya 401k or Not! Not enough in 401ks?

So my wife and I retired 3 years ( 50 /46) ago this coming April and and with the BS on the Healthcare we decided that with 4 kids lets one of us just find a job that had great benefits (primarily Healthcare), that was flexible and not worry so much about the income. Well it was a good move in that ...
by snowox
Wed Dec 06, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Too much life insurance or not?
Replies: 4
Views: 636

Re: Too much life insurance or not?

Assume you get hit by a bus tomorrow. How much will your wife and daughter need per year to live on? NEED What will your wife’s income be? Include any expected survivor benefits (if any) INCOME What investable assets do you have? CURRENT-ASSETS Let’s assume using 3% of your savings each year so it ...
by snowox
Wed Dec 06, 2017 5:09 am
Forum: Investing - Theory, News & General
Topic: Amount You Need To Save Annually Over Lifespan
Replies: 80
Views: 8809

Re: Amount You Need To Save Annually Over Lifespan

I know what you meant and wasnt trying to pick a fight with you :sharebeer I was basically saying I dont believe 15% is anywhere close to being enough of gross pay. Meaning 15% of what gross income number. It just wont get you there unless you come out with a starting wage of at least 125k. It is p...
by snowox
Tue Dec 05, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 68
Views: 6092

Re: Dad Needs Help Buying Wedding Liquor

Buy whats on sale. People are not going to judge you if you buy brand names on sale. Work with the guy at a discount liquor store since it will be a larger purchase and they will know what you will need etc... There are so many Vodkas out there and if you read the Book the millionaire next door or t...
by snowox
Tue Dec 05, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 2001

Re: Concrete vs Pavers

I use to install and do many many paver driveways and in bad winter climate area. If pavers are done right you wont have any issues that wont take minutes to fix. Heck they use to do the city streets with them. Can be a better look especially as an accent for what it seems your talking about. Stay a...
by snowox
Tue Dec 05, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: How many security Camera's
Replies: 15
Views: 1354

Re: How many security Camera's

Buy a dog! a big mean one.
by snowox
Tue Dec 05, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 4623

Re: selling an older car on eBay-no bites!

CL- I have sold several autos and a whole lot of other things.
by snowox
Tue Dec 05, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thanks! We just let our VG PAS advisor go...
Replies: 14
Views: 3157

Re: Thanks! We just let our VG PAS advisor go...

I still use mine. I have found that If I tell what I have in other areas then the portfolio is discussed around it so included BUT wont be much longer for me too and I will or might cut the chord.
by snowox
Tue Dec 05, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2647

Re: Paying taxes with credit card?

Nope don't pay taxes with a credit card. I did pay large college tuition bills with a credit card until the university instituted a 2% fee. Added: Instead of paying taxes with credit card, I overpay taxes and get a nice bonus for doing so. It's not like the old days where a so-called "interest-free...
by snowox
Tue Dec 05, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2647

Re: Paying taxes with credit card?

Nope but wish I could. Our little town doesn't even offer it.
by snowox
Tue Dec 05, 2017 9:56 am
Forum: Investing - Theory, News & General
Topic: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund
Replies: 36
Views: 3122

Re: Unsolicited advice - 32 yo w/ 80% bonds, fixed income fund

Have a buddy with the above AA - we've spoken about our individual AA before, but never gone into depth why. I just would like him to know that there are options out there that can outpace inflation (so to speak) in the long run. Rather than provide unsolicited advice, the only thing I can think of...
by snowox
Tue Dec 05, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Valuing today's money in terms of future invested value?
Replies: 6
Views: 262

Re: Valuing today's money in terms of future invested value?

Living below your means but reasonably, using common sense and ideas/concepts from bogleheads, you should live your life to have some fun today because tomorrow (much less 40 years from now) is absolutely not guaranteed. If you read this forum you should have a pretty clear idea of earnings and sav...
by snowox
Tue Dec 05, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4441

Re: Dollar Store Hacks

No Hacks but with 4 kids if we are going to a movie or some kinda event we take the kids there first and let them pick and chose some snacks. We also do buy some stuff there regularly like toothpaste and just a couple things because of the deal but when its on the way to something.
by snowox
Tue Dec 05, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 13676

Re: Reached 4M target. Taking money off table. Advice?

Does your son have a business plan is or is this just something he said? Be interested in hearing more about that. The thing I took the most from your post is you really like your job and thats great but I dont buy the bs the longer you work the longer you live. Like you, I have no desire to Travel...
by snowox
Mon Dec 04, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage is About To Be Paid - I'm Scared!
Replies: 43
Views: 5672

Re: Mortgage is About To Be Paid - I'm Scared!

Dont worry...you will have plenty of things to worry about. Thats life!
by snowox
Mon Dec 04, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 61
Views: 8592

Re: Ok reasons for a 37 year old to have a 60/40 mix?

As others stated I think your reasons were great!

I am 53 and retired and currently 57 stocks/33 or 35 Bonds and the rest cash needing to re-balance to be closer to 60/40 as well . To much cash being a little guilty of market timing on income accumulation do to nerves of being retired being honest.
by snowox
Mon Dec 04, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3366

Re: Understanding the World of Credit Card "Points"

I am a relative novice compared to the experts on flyertalk.com. But I have still built up a balance of about a million points in total, mostly via signup bonuses, in various programs (british airways, american airlines, american express membership rewards, marriott/starwood points). At 2 cents eac...
by snowox
Mon Dec 04, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3366

Re: Understanding the World of Credit Card "Points"

I am a relative novice compared to the experts on flyertalk.com. But I have still built up a balance of about a million points in total, mostly via signup bonuses, in various programs (british airways, american airlines, american express membership rewards, marriott/starwood points). At 2 cents eac...
by snowox
Mon Dec 04, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend money
Replies: 12
Views: 997

Re: Learning how to spend money

I read somewhere that the average consumer is exposed to I believe it was 3,000 sublimal buying messages a day so its no wonder you feel that way somewhat. Shut the TV, Radio off and live in a bubble and that feeling should subside somewhat.. All kidding aside I dont understand or can relate to the ...
by snowox
Mon Dec 04, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Who keeps more money out of 100k? Self-employed vs Employed?
Replies: 39
Views: 2790

Re: Who keeps more money out of 100k? Self-employed vs Employed?

I think a great question would be where the shift come in (at what dollar amount) if at all. My experience of having owned business was the benefit of how much income do you need if your not paying for anything. But that you have to be careful with as to how many employees etc...so getting off subje...
by snowox
Mon Dec 04, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3366

Re: Understanding the World of Credit Card "Points"

I was torn with this as well because of the travel I do etc... So to simplify for me I just got the Citi Mastercard 1% when you purchase and 1% when you pay your bill. I know I left some on the table but its about how much time or energy do you want to invest. We have everything possible set up on t...
by snowox
Mon Dec 04, 2017 7:47 am
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9424

Re: What did you do right?

Started my first business in 93 and sold in 97. Started another Business in 96 I retired from in 2015. Had another business I started but after 3 years had a medical scare so even though it was rolling had to part it out. Made the decision in my mid 40's I had to get out of my Second business becaus...