Search found 378 matches

by jehovasfitness
Wed Aug 15, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 55
Views: 2499

Re: Take auto loan 0.9% if I can afford cash?

Sure and put the cash in a money market at CIT bank earning 1.85%
by jehovasfitness
Wed Aug 15, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6750
Views: 1466858

Re: U.S. stocks in freefall

pokebowl wrote:
Wed Aug 15, 2018 7:00 am
Its shaping up to be a good buy day again for both US and International. Same "stressors" as last week depending on which doom and gloom article you read. Continued rally to the Earth's core confirmed. :beer
always seems to go decrease right after the 401k buys go through
by jehovasfitness
Wed Aug 15, 2018 7:59 am
Forum: Personal Consumer Issues
Topic: Anyone have experience with au pairs?
Replies: 21
Views: 3921

Re: Anyone have experience with au pairs?

We loved our au pair. We are hoping to go visit her in her home country next year. The total cost was about $20k/year, but she did not drive. In our area a nanny is at least $60k/year, so it was a huge savings. It depends on the person, but our au pair was much more open to feedback/change than our...
by jehovasfitness
Mon Aug 13, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Should I pay 6000.00 to repair wife's car....
Replies: 77
Views: 4515

Re: Should I pay 6000.00 to repair wife's car....

What are the issues... why so secretive? If it's a safety concern, probably not worth fixing. Otherwise, $6k is certainly less than any new car out there. If it's her baby and she loves it, and with low miles like that, get the issues fixed and move on with life. Here are the issues: 1) Ignition ke...
by jehovasfitness
Sun Aug 12, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 17
Views: 1170

Re: Tipping lawn service and trash pickup

student wrote:
Sun Aug 12, 2018 12:29 pm
Personally I won't tip cash regularly for these services but if you want to be generous, there is nothing wrong by doing it either. However please don't give beer. If they drink it and get into an accident, you may get sued.
It wouldn't be cold FWIW
by jehovasfitness
Sun Aug 12, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 17
Views: 1170

Tipping lawn service and trash pickup

Does anyone tip or give a small gift? I've always thought about sitting some beer out as a gift but wasnt sure how dumb that would be. Not talking just around the holidays but more of just a "thanks" for the service. I realize they get paid for the service just like the idea of random acts of kindne...
by jehovasfitness
Mon Aug 06, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4009

Re: Ticks and common sense?

Second this. I didn't think anyone used collars anymore. All of the vets in our area went overboard with the new Seresto collars for cats about 3 years ago. ($50-$55 a pop, but supposedly lasts for 8 months) They all seem to be SO Sold, big believers, on these damn collars. Recommending them over b...
by jehovasfitness
Fri Aug 03, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4009

Re: Ticks and common sense?

fishmonger wrote:
Thu Aug 02, 2018 1:46 pm
Also get a tick collar for any pets
I'd advise against that. They can burn the skin. Topicals work very well.

In MD this year has been terrible. Picked at least 8 ticks off our one dog, soon as we put the topical on it's been 0 in 2 months.
by jehovasfitness
Tue Jul 31, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 10987

Re: Retirees: How to add $340,000 to retirement savings

Sheepdog wrote:
Tue Jul 31, 2018 1:03 pm
jehovasfitness wrote:
Tue Jul 31, 2018 12:29 pm
reggiesimpson wrote:
Sun Apr 29, 2012 4:22 pm
Sell everything and stop paying for anything. Go on a "permanent cruise". Runs $33,000 annually (includes health care) with Royal Caribbean.
this includes food too? genius
Did you notice that this thread has not been looked at for over 6 years until you read and asked your question?
yes
by jehovasfitness
Tue Jul 31, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4570

Re: 1.9 M windfall. My plan; input requested

"We do not plan to pay for our childrens' college fund, should they choose to attend."

ouch even after getting a windfall, that's harsh
by jehovasfitness
Tue Jul 31, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 77
Views: 10987

Re: Retirees: How to add $340,000 to retirement savings

reggiesimpson wrote:
Sun Apr 29, 2012 4:22 pm
Sell everything and stop paying for anything. Go on a "permanent cruise". Runs $33,000 annually (includes health care) with Royal Caribbean.
this includes food too? genius
by jehovasfitness
Tue Jul 31, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3617

Re: Are millennial botching their asset allocations?

As a 27 year old who frequents this website, I am not botching my asset allocations. However, I do find concerning the number of my friends/coworkers who have either little to no ability to save, no concern about their retirement, or just trusting their financial advisor blindly. Is it really surpr...
by jehovasfitness
Tue Jul 31, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3617

Re: Are millennial botching their asset allocations?

As a 27 year old who frequents this website, I am not botching my asset allocations. However, I do find concerning the number of my friends/coworkers who have either little to no ability to save, no concern about their retirement, or just trusting their financial advisor blindly. Is it really surpr...
by jehovasfitness
Tue Jul 31, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3617

Re: Are millennial botching their asset allocations?

As a 27 year old who frequents this website, I am not botching my asset allocations. However, I do find concerning the number of my friends/coworkers who have either little to no ability to save, no concern about their retirement, or just trusting their financial advisor blindly. Is it really surpr...
by jehovasfitness
Wed Jul 25, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Help with Budget Please...(detailed income added)
Replies: 28
Views: 2213

Re: Help with Budget Please...(Updated)

How much are you saving for retirement per year? How much are you saving for other things (e.g., college)? We do max to a 401k plan (pre tax) with no match from employer. $37,000 We do max to roth IRA $11,000 We save the rest as much as we can. We have a 529 with $36k in it. We have a defined benef...
by jehovasfitness
Tue Jul 24, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Are laminate floors better-wearing than real hardwood?
Replies: 36
Views: 2721

Re: Are laminate floors better-wearing than real hardwood?

You really can't compare laminate to hardwoods. Laminate is easily scratched/damaged and cannot be repaired or refinished. It also looks cheap and you can easily tell its laminate when you walk on it. If you can't afford regular hardwood flooring there is a third alternative...engineered hardwood. ...
by jehovasfitness
Thu Jul 12, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5690

Re: Anyone take naps at work?

Shortly after the birth of my son when we were barely sleeping, I would go to the parking lot and take a catnap in my car during lunch for 15 minutes. Right or wrong, it would be viewed very poorly to take a nap in my office. I agree with your stance and think all offices should have a nap room or ...
by jehovasfitness
Thu Jul 12, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5690

Re: Anyone take naps at work?

To those saying napping is basically for "losers", you clearly don't understand the health benefits of proper sleep. You are confusing napping with proper sleep. Watch the TED talk linked by stoptothink in the message above, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=253719&start=50#p401...
by jehovasfitness
Thu Jul 12, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5690

Re: Anyone take naps at work?

To those saying napping is basically for "losers", you clearly don't understand the health benefits of proper sleep.
by jehovasfitness
Thu Jul 12, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5690

Re: Anyone take naps at work?

Depends on how much sleep i got night before and/or if I feel i need it.

Usually at lunch for about 30-45 mins.. I close the door, turn off the lights, put a stretching mat down and grab my pillow in my cabinet.

then put a shirt over my eyes to get total darkness.
by jehovasfitness
Mon Jul 09, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Stock buy backs?
Replies: 13
Views: 649

Re: Stock buy backs?

I just read that a lot of companies are buying back their own stocks this year. Questions: 1. Why would they do this when the market is so high? 2.What does this mean to stockholders? 3.What does this mean to the market in general? Peace, JTJjr What else are they going to do with their record profi...
by jehovasfitness
Thu Jun 28, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2564

Re: New car dealer pricing

be sure to read the fine print, usually "internet price" doesn't include processing fee as well as destination charge.
by jehovasfitness
Fri Jun 22, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1776

Re: What do you include in your grocery budget?

Also, I don't really see the point of budgeting for things like TP and paper towels.

It's like, ok, so you're near the end of the month and over budget but you need those things, are you not gonna buy them?
by jehovasfitness
Fri Jun 22, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: What do you include in your grocery budget?
Replies: 36
Views: 1776

Re: What do you include in your grocery budget?

Anything bought at grocery store for us counts as "grocery" budget.

I usually subtract out make-up and condoms tho and put them in personal care category.

condoms could go into "cheaper than kids" category I guess.
by jehovasfitness
Tue Jun 19, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8604

Re: gray hair

Started going gray at 21, now almost 37 and probably 90% gray.

Sure, people comment on it, but in the grand scheme of things, it's just gray hair.

People care too much what other people think all the while other people are just as self conscious if not more than them.
by jehovasfitness
Sun Jun 03, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 45484

Re: Name something you had to have and now you regret purchasing it?

RollTide31457 wrote:
Sun Apr 15, 2018 8:28 pm
Passports. Spent around $400 and never used them.
I'm confused
by jehovasfitness
Fri Jun 01, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 352973

Re: What are you up YTD? [Year To Date]

2-3% across plans
by jehovasfitness
Thu May 31, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2743

Re: Enterprise vs Avis

It appears with Enterprise if I book 13 days it's 1100 and if I book 14 days it's 800. (This is for a different model car than the OP)

SMH... I assume I can't book it for the 14 and pick it up a day late at the $800 rate?
by jehovasfitness
Thu May 31, 2018 6:45 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13887

Re: Renting vs Owning Your Home

tennisplyr wrote:
Thu May 24, 2018 6:54 am
Sometimes life isn't about money.

+1
by jehovasfitness
Thu May 31, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: Used car buying advice!
Replies: 41
Views: 3242

Re: Used car buying advice!

Look at used Jeep Cherokees 1999-2001 imo

They go 250-300K miles easy.im selling mine with 150k miles for $4k


You can likely find similar near you for 3-4k

You can find ones with 100k miles for about $5-6k
by jehovasfitness
Wed May 30, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2743

Re: Enterprise vs Avis

How does Avis stay in business or am I missing something? Looking to do a 2 week car rental and as an example: Enterprise is $650 and Avis is $1650. Both are of equal selections AFAIK. On that note, which car rental company do you prefer? I've used Enterprise a few times, overall pretty good minus ...
by jehovasfitness
Wed May 30, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2743

Re: Enterprise vs Avis

mhc wrote:
Wed May 30, 2018 2:03 pm
I use the cheapest national brand.

I don't know how Avis stays in business, but the two mega-corps I have worked for used Avis.
True, that's who my wifes company uses. Thought we would get a discount
by jehovasfitness
Wed May 30, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 4890

Re: My mind exploded

FlyAF wrote:
Wed May 30, 2018 1:29 pm
Meh, I'd consider $150 shoes relatively cheap.
I wouldn't consider that cheap unless dress shoes maybe, let alone sandals
by jehovasfitness
Wed May 30, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Enterprise vs Avis
Replies: 43
Views: 2743

Enterprise vs Avis

How does Avis stay in business or am I missing something? Looking to do a 2 week car rental and as an example: Enterprise is $650 and Avis is $1650. Both are of equal selections AFAIK. On that note, which car rental company do you prefer? I've used Enterprise a few times, overall pretty good minus o...
by jehovasfitness
Wed May 30, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Splurging on the NBA finals
Replies: 56
Views: 5223

Re: Splurging on the NBA finals

Arthur Digby Sellers wrote:
Mon May 28, 2018 10:04 pm
Why not? This is your last chance to see LeBron vs. Curry in the Finals until 2019.


Hahaha
by jehovasfitness
Tue May 29, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4448

Re: Please help with grocery budget

Easy sub is eggs are a great source of nutrition and cheaper than steak and seafood.

Granted, steak and seafood are excellent for nutrition as well, but $/nutrients eggs will come out ahead.
by jehovasfitness
Sun May 27, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8835

Re: Help Buying Mens Shoes for Work and Dating

livesoft wrote:
Sun May 27, 2018 7:49 am
This thread has been very informative to me. I had no idea there was a separate extensive vocabulary for men's shoes which I never needed to learn anything about.
Hahahaha truth
by jehovasfitness
Sun May 27, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8835

Re: Help Buying Mens Shoes for Work and Dating

Dont date a woman that cares about your shoes imo
by jehovasfitness
Mon May 14, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9075

Re: Is there a boglehead muscle car?

If it’s going to be a summer car, a C5 corvette is a good choice. You can get a immaculate, low mileage, 6 speed convertible for under $15K, have a 170 mph car that still gets 30 mpg on the highway. If you want something newer, 2011 or newer mustang Gt’s are good choices, just look for the garage Q...
by jehovasfitness
Tue May 08, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5736

Re: Buying new car or buying used car

Good luck finding a 2-3 yr old jeep 20-40% cheaper
by jehovasfitness
Tue May 08, 2018 6:15 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3875

Re: Why do so many Americans not own stocks?

JoMoney wrote:
Tue May 08, 2018 3:44 am
Most Americans have less than $1,000 in savings.
Even among those with higher incomes, Americans are really bad at saving.
Hard to save when wages have been stagnant since the 70s and inflation of major life needs have shot up
by jehovasfitness
Tue May 08, 2018 6:14 am
Forum: Investing - Theory, News & General
Topic: Why do so many Americans not own stocks?
Replies: 44
Views: 3875

Re: Why do so many Americans not own stocks?

Mean income is what 50k? Try raising a family on that and then owning stocks
by jehovasfitness
Sat May 05, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: Open-ended question about vacationing in Yosemite or a different national park
Replies: 49
Views: 3325

Re: Open-ended question about vacationing in Yosemite or a different national park

That said, Natural Bridges Monument in Utah was just as good if not better imo... we went in Nov and saw one other person
by jehovasfitness
Sat May 05, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Open-ended question about vacationing in Yosemite or a different national park
Replies: 49
Views: 3325

Re: Open-ended question about vacationing in Yosemite or a different national park

Big Bend in TX is awesome imo and way less crowded though we plan on Yosemite at some point
by jehovasfitness
Fri May 04, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Buying a Boat
Replies: 47
Views: 5179

Re: Buying a Boat

Why would boats be un-BH? Perhaps this forum makes it seem to not enjoy life until you're old and retired. I dunno
by jehovasfitness
Thu May 03, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Navigating the dark side of capitalism
Replies: 19
Views: 1599

Re: Navigating the dark side of capitalism

Correct! I should have said: "If a company was proven to violate the laws..." That doesn't usually result in any meaningful punishment. Many corporations see fines and lawsuits as just normal operating expenses, not as a reason to change their poor practices. If anything, it just makes them spend m...
by jehovasfitness
Wed May 02, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3921

Re: Not Wasting Food

The USDA says that approximately 20% of the food we purchase at the supermarket is eventually wasted. Aside from cleaning your plate, what suggestions do you have. As a fitness professional I would advise against cleaning your plate mantra Yes, I agree! If you can clean your plate, do it. But if yo...
by jehovasfitness
Wed May 02, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3921

Re: Not Wasting Food

Doroghazi wrote:
Wed May 02, 2018 3:20 pm
The USDA says that approximately 20% of the food we purchase at the supermarket is eventually wasted. Aside from cleaning your plate, what suggestions do you have.
As a fitness professional I would advise against cleaning your plate mantra
by jehovasfitness
Tue May 01, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3644

Re: Auto loan or dip into emergency fund?

mrpotatoheadsays wrote:
Sat Apr 28, 2018 8:42 am


Take the bus and work a side job until you save-up enough money to pay for a car in cash.
Maybe I missed it, but not everyone can just take the bus