Search found 343 matches

by NextMil
Sun Aug 19, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 20
Views: 1062

Re: 'Online Banking – School Me’ 2

nisiprius wrote:
Sun Aug 19, 2018 12:59 pm
How do you get the medallion signature guarantee?
Never needed one, and cannot for the life of me figure out why this day in age I would need one. Why wouldn't I just move cash with a wire? Seems like most banks stopped providing that service in recent years.
by NextMil
Sun Aug 19, 2018 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 20
Views: 1062

Re: 'Online Banking – School Me’ 2

Do you really think they don't have an office building they work in that you could go visit if you had to hunt them down? Whats the difference between that and a fancy storefront with deposit slips and bad lollipops? The difference is that the airfare to their office building in Glen Allen, Virgini...
by NextMil
Sun Aug 19, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: How to raise cash to pay living expenses in near term (nine months)?
Replies: 26
Views: 1271

Re: How to raise cash to pay living expenses in near term (nine months)?

I happened upon a couple of Mr. Money Mustache articles regarding ensuring short-term liquidity. He argues that it's wasteful to keep six months worth of expenses in a rainy day fund, earning low interest for years just in case you need it. Instead, he argues for "springy debt" -- a line of credit ...
by NextMil
Sun Aug 19, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 20
Views: 1062

Re: 'Online Banking – School Me’ 2

Do you really think they don't have an office building they work in that you could go visit if you had to hunt them down? Whats the difference between that and a fancy storefront with deposit slips and bad lollipops?
by NextMil
Sun Aug 19, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: How to raise cash to pay living expenses in near term (nine months)?
Replies: 26
Views: 1271

Re: How to raise cash to pay living expenses in near term (nine months)?

I happened upon a couple of Mr. Money Mustache articles regarding ensuring short-term liquidity. He argues that it's wasteful to keep six months worth of expenses in a rainy day fund, earning low interest for years just in case you need it. Instead, he argues for "springy debt" -- a line of credit ...
by NextMil
Sat Aug 18, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to raise cash to pay living expenses in near term (nine months)?
Replies: 26
Views: 1271

Re: How to raise cash to pay living expenses in near term (nine months)?

I got exhausted just reading this thread. All for saving money and all, but the hoop jumping here to me seems like it’s not worth it. The more I have learned about personal finance, the more I simplify the process. Way too complicated (and risky as others have said) for my blood.
by NextMil
Thu Aug 16, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Civil service: Long Shot Interview.. Would you go?
Replies: 31
Views: 2911

Re: Civil service: Long Shot Interview.. Would you go?

Please tell me you scribbled down the questions post interview as a cheat sheet for if you don't get it and another opportunity like this comes up. Obviously I am late to the party, but most people in life have a tendency to succumb, at least a little, to impostor syndrome, which shouldn't be confus...
by NextMil
Thu Aug 16, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with your interest from your ER fund?
Replies: 10
Views: 972

What do you do with your interest from your ER fund?

Just curious what people do with the interest that accumulates in their emergency fund and why? Do you leave it in the ER fund to make it slowly grow in size, invest it in taxable like I do, or something else?
by NextMil
Wed Aug 15, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3278

Re: Cleaning gas grill

Wow, I am shocked at how many people in challenging environments leave their weber coverless. I am also sad that I paid for a cover now. I hate putting that thing on, so this is welcome news that genesis is about to go topless.
by NextMil
Wed Aug 15, 2018 5:30 am
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2165

Re: Travel over thanksgiving holiday, drive or fly?

If flights are delayed, the roads will be a mess too. Not necessarily. I'm thinking of a flight I made. Airplane could not land at destination airport. The 3 closest airports could not accommodate us. We went to our backup airport, which happened to be the airport we took off from. Upon arrival the...
by NextMil
Tue Aug 14, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2165

Re: Travel over thanksgiving holiday, drive or fly?

I would fly, and I would use points or cash to get lounge access. 8+ hour drive that weekend is going to be brutal. The last few times I did a similar or maybe even the same drive (I don‘t know your route). We made the return drive with a 4 am departure to avoid the chaos. That worked, but flying is...
by NextMil
Mon Aug 13, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4757

Re: How often do you check your brokerage accounts

Accounts are always open all day while I am at work, then once in the morning before work, and once after work. I really should make it a goal to do once a week or so.
by NextMil
Mon Aug 13, 2018 1:32 am
Forum: Personal Consumer Issues
Topic: Cleaning gas grill
Replies: 40
Views: 3278

Re: Cleaning gas grill

I pull the grates, and burner covers out, soak them and run through the dishwasher a couple of times. Hand clean the insides and replace the grease trap once a year. I wipe down the outsides and have the Weber cover. Been debating getting a pressure washer for the outsides and some other home issues.
by NextMil
Fri Aug 10, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Response from boss re: market analysis
Replies: 71
Views: 7408

Re: Rude response from boss re: market adjustment

Why in the world would you pitch raises for the entire department?
by NextMil
Wed Aug 08, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 68
Views: 5415

Re: are mccormick gourmet spices better

are mccormick gourmet spices better than the regular mccormick spices? how about compare with simply organic? or 365 brand? I would love the answer to this question too, because I have been buying the more expensive green capped bottles, and I have no idea if there is a real difference other than t...
by NextMil
Wed Aug 08, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6993

Re: "Skin in the game"

I guess I had no skin in the game since my parents paid for my college costs. I attended State U. My motivation, however, came from an awful summer job before freshman year working in the kitchen at a local nursing home. I was a dishwasher. But I was low man on the pole so I got the job of hand was...
by NextMil
Wed Aug 08, 2018 6:41 am
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 6993

Re: "Skin in the game"

No, we cannot agree. I actually think skin in the game is bull feathers with access to college loans, especially for undergrad. I have been on both sides. My parents paid for all of undergrad and my first post-grad degree. You don't have skin in the game when you sign some papers and get debt unless...
by NextMil
Fri Aug 03, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 43
Views: 2764

Re: Nespresso?

Ok so thanks, everyone. Super helpful. Now which nespresso machine? Sounds like the original. Any tips on purchase?

Also, a lot of people seem, to be posting about the environment. Is this that much worse than a bag of coffee? Seems there are a bunch of others things we humans do that are way worse.
by NextMil
Fri Aug 03, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 43
Views: 2764

Nespresso?

Anyone have a nespresso? I have had a cup before, but I think it was a commercial nespresso. How do the residential versions compare? I have a cuisinart DCC-1200, and wondering how much of an upgrade it would be. I am not really worried about the cost, just the quality. Any nespresso users out there...
by NextMil
Thu Aug 02, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 2727

Re: Car price ratio to NW

This is highly subjective, but FWIW, the last car I bought was less than 1% of my NW.
by NextMil
Thu Aug 02, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3500

Re: New job commute

PaulAtreides wrote:
Thu Aug 02, 2018 11:11 am

Where I live there is no feasible public transport route to my job, it would take 3 hrs one way to do so.
Are you sure? You can't drive part of the way, park in a commuter lot, and train/subway or bus in the rest? I am guessing if the answer is no, you are not working in a big city.
by NextMil
Thu Aug 02, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5988

Re: Talk to me about Le Creuset

I like this brand because I can turn the heat off before cooking is finished, and the residual heat in the cookware completes the job. This saves a little money, and it’s nice in summer as the kitchen doesn’t get as hot. False economy--there is no free lunch. It takes longer to heat cast iron, so t...
by NextMil
Thu Aug 02, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5988

Re: Talk to me about Le Creuset

I have lodge cast iron skillets of different sizes and they perform well, but they are not a Le Creuset Dutch oven. Two entirely different things and if lodge makes a Dutch oven I doubt that it has ceramic insides. Lodge makes a perfectly fine ceramic dutch oven. We have one. The lid holder was com...
by NextMil
Thu Aug 02, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Is there a Boglehead way of running a business?
Replies: 19
Views: 2078

Re: Is there a Boglehead way of running a business?

Why are you sitting on a $100k? Why wouldn't you take it home? I understand some of it is earmarked for expenses, and in that case don't take that home, but the rest I would take home. Its profit, no? If you want to grow your business, you need more employees, but you need more clients before you ad...
by NextMil
Thu Aug 02, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3500

Re: New job commute

Any public transit options such as train, bus, or slug? Most people commuting into larger cities for better paying jobs utilize a long commute to get work done or read by not driving and taking public transport. In some cases, if you are actually working during the commute, your employer might put y...
by NextMil
Wed Aug 01, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1014

Re: Scratched Apple Watch

LifeIsGood wrote:
Wed Aug 01, 2018 6:09 am
Did you buy it with a credit card? Some issuers cover accidental damage during the first 60-90 days.
Unfortunately, I did not.
by NextMil
Tue Jul 31, 2018 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a trustee
Replies: 29
Views: 1983

Re: Choosing a trustee

We chose my brother and her sister.
by NextMil
Tue Jul 31, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1014

Re: Scratched Apple Watch

Its an activity tracker that has some great features pairing with an iPhone. Definitely a great weight loss tool, but its an activity tracker first and foremost.
by NextMil
Tue Jul 31, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1014

Re: Scratched Apple Watch

abuss368 wrote:
Tue Jul 31, 2018 2:08 pm
Are there screen covers available for an Apple Watch like the iPhones?
Yes, and I highly recommend getting one if you get an apple watch.
by NextMil
Tue Jul 31, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4934

Re: How to prepare for "the talk"

No. Its sage advice. What are you actually going to change at their age if they have no money? What if the things you tell them to do loses them money, or worse, it doesn't, but they think you lost them money. You could end up having a terrible relationship with your parents at end of life for tryi...
by NextMil
Tue Jul 31, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4934

Re: How to prepare for "the talk"

It's none of your business unless you want to pay off your school loan. I asked very different questions than what you are trying to provide answers to. It's as if I asked for tips on how to improve my fastball and you said I should take up swimming No. Its sage advice. What are you actually going ...
by NextMil
Tue Jul 31, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1014

Re: Scratched Apple Watch

Haha.
by NextMil
Tue Jul 31, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 4934

Re: How to prepare for "the talk"

Ask them if they have LTC insurance and if they don't ask them to get some. Also, tell them you do not care if you are in the will or not, but you want to be sure that they have one so that their wishes are fulfilled should they pass in 20-30 years.

Other than that, I would steer clear.
by NextMil
Tue Jul 31, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1014

Re: Scratched Apple Watch

Ugh. That is crushing. I am sorry.

Yeah, I am guessing I have to ride this out. Might be time to get a screen cover so I dont make the face worse.
by NextMil
Tue Jul 31, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Scratched Apple Watch
Replies: 15
Views: 1014

Scratched Apple Watch

Less than a couple months old, and my series 3 is scratched. I am not putting toothpaste on it. Anything else I can do or am I stuck riding this out?
by NextMil
Tue Jul 31, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2165

Re: Durable Dress Shoes for Commute

shoebank.com has been a life saver for me. High quality Allen Edmonds Factory seconds (I have 4-5 pairs and have not once been able to see or notice any type of blemish). Outstanding value. A few pairs I've had for 7-8 years. Yup. +1. You can also recraft them after you inevitably blow out the sole...
by NextMil
Tue Jul 31, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: $4,400 Chimney Repair - Does This Make Sense?
Replies: 24
Views: 1787

Re: $4,400 Chimney Repair - Does This Make Sense?

Way too high. Chimney companies are notorious for overcharging. Do you still have the card of your home inspector? Mine gave me advice on who to go with, and I paid $3k for a bunch of work on two chimneys including brand new lining inside. Another company offered me $6k for both, and one had the aud...
by NextMil
Tue Jul 31, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5988

Re: Talk to me about Le Creuset

malabargold wrote:
Mon Jul 30, 2018 6:25 pm
Buy the factory seconds from the outlet stores.
Looks and cooks same as the “firsts” for less than 1/2 cost.
This is exactly what I did. Thanks.
by NextMil
Mon Jul 30, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3078

Re: Best MacBook Value

Type refurbished apple into google and find the apple refurbished site. From there pick what you want for usually 11-18% off retail.

Also, anything will seem like a massive upgrade from a 2009 MacBook.
by NextMil
Sat Jul 28, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5988

Re: Talk to me about Le Creuset

I have lodge cast iron skillets of different sizes and they perform well, but they are not a Le Creuset Dutch oven. Two entirely different things and if lodge makes a Dutch oven I doubt that it has ceramic insides. I am getting the braiser with the glass top. Seems to be another solid workhorse. Not...
by NextMil
Sat Jul 28, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Loss Aversion, Happiness, and choices
Replies: 17
Views: 1833

Re: Loss Aversion, Happiness, and choices

I lost some cash on our first house, and it bothered me, but then I realized that what was best for my family is more important than cash. I am very type A too, and things like not winning really bother me. Apparently people don’t always make money in real estate. Do what is best for your family. Pu...
by NextMil
Fri Jul 27, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5988

Re: Talk to me about Le Creuset

I have a set of non stick and a set of stainless, and cast irons. Le Creuset outperforms everything. So starting to purchase more. Would like responses from people who have more than I do.
by NextMil
Fri Jul 27, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9275

Re: Toughest Purchase of my Life. Engagement Ring time

I've spent many months on Blue Nile and I can't push myself to pull the trigger on an engagement ring. :| Although I'm sure my girl would be extremely happy. To me, it's a complete waste of money. How can I get over this? The current ring I'm looking at 1.1 Carat, round diamond, color I, VS2, Perfe...
by NextMil
Fri Jul 27, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5988

Talk to me about Le Creuset

Have the Dutch oven and it’s the best piece of cookware we own. Any other must haves?
by NextMil
Fri Jul 27, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: DisneyWorld-Needing specific advice
Replies: 33
Views: 1908

Re: DisneyWorld-Needing specific advice

1. Stay at The contemporary
2. Fast passes
3. Book a boat from the contemporary for the fireworks.

If you want to do it cheap, use Costco you will end up at swan or dolphin which isn’t terrible.
by NextMil
Sun Jul 22, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Reevaluating mortgage payoff strategy
Replies: 63
Views: 6056

Re: Reevaluating mortgage payoff strategy

^^^ Er, what? In either case you have a fixed monthly payment. If you don't pay it, they foreclose. The issue is not that you carry a mortgage and don't make the payment. The issue is using your EXCESS capital (above and beyond what you MUST pay) to either invest or to pay off the loan, which peopl...
by NextMil
Sat Jul 21, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Reevaluating mortgage payoff strategy
Replies: 63
Views: 6056

Re: Reevaluating mortgage payoff strategy

Seriously delinquent and defaulting of mortgages is under 5% of all mortgages at the height post recession, and normally it hovers around 2%. I am willing to wager amongst bogleheads it’s essentially non-existent. Therefore, I strongly believe that the invest instead of pay down the mortgage is les...
by NextMil
Sat Jul 21, 2018 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Reevaluating mortgage payoff strategy
Replies: 63
Views: 6056

Re: Reevaluating mortgage payoff strategy

Seriously delinquent and defaulting of mortgages is under 5% of all mortgages at the height post recession, and normally it hovers around 2%. I am willing to wager amongst bogleheads it’s essentially non-existent. Therefore, I strongly believe that the invest instead of pay down the mortgage is less...
by NextMil
Fri Jul 20, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off share of children's student loans with house or stay?
Replies: 17
Views: 794

Re: Paying off share of children's student loans with house or stay?

Just to clear this up, how are the loans structured? Are they in both your names, just one of you, the kids names? If you pay off your share, are you off the hook? If your ex pays his share is he off the hook? Aside from those questions, have you looked into refinancing and can you split the shares ...