Search found 537 matches

by Thegame14
Wed Jan 23, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 14
Views: 570

Re: Need Advice - quit 6-figure job to do coding school?

can you have current employer pay for your tuition, stay long enough that you don't have to pay them back, then re-evaluate your situation once that period is up.
by Thegame14
Wed Jan 23, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What is Considered Middle Class?
Replies: 35
Views: 2369

Re: What is Considered Middle Class?

I think a big problem we have with our country is these definitions and how they impact policy. Where I live in NJ, 10K cap on SALT deductions is really hurting us middle class, but if you live in like Kentucky that seems like an insane amount to pay in property taxes. Also day care in this area is ...
by Thegame14
Wed Jan 23, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 61
Views: 3263

Re: Why doesn't a lot of money feel like a lot of money?

I am not a high earner, but I am ok at 100K, I work at a non-profit, I could leave to get a bump to the $130K range and a larger bonus. But what I always find funny, is that I still remember working for $5.15 an hour, and I would work like 30 hours a week while going to school, and I would end up wi...
by Thegame14
Wed Jan 23, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Home insurance going up every year...
Replies: 17
Views: 1052

Re: Home insurance going up every year...

my homeowners started at $1,200 a year switched to NJM and now pay $804 a year, plus we get a dividend check at the end of the year. And that includes $90 for insuring our wedding/engagement rings, so without that it would be $714 a year
by Thegame14
Wed Jan 23, 2019 9:03 am
Forum: Investing - Help with Personal Investments
Topic: I'm 23 and I'm trying to help my family with their finances
Replies: 19
Views: 1119

Re: I'm 23 and I'm trying to help my family with their finances

she should at least be buying a cd ladder, or putting that cash into a money market. 2-2.5% is what you can expect there, vs most banks are literally .001 on a savings account. That would give her another $20-25K a year in income.
by Thegame14
Tue Jan 22, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets not funding a 529?
Replies: 17
Views: 2072

Re: Any regrets not funding a 529?

I am hedging my bets, we have an almost 4 year old and a baby due in 2 weeks. For first child we set up a savings account for all money he receives for birthday, baptism, etc.. when he gets to a thousand dollars, half goes to 529 half to a cd, each month we also put in $50 and $100 more for birthday...
by Thegame14
Mon Jan 21, 2019 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Savings
Replies: 24
Views: 1943

Re: Emergency Savings

I have mine right now at capital one 360 2.0% money market.
by Thegame14
Mon Jan 21, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 122
Views: 12924

Re: How much money did you receive from family? (Gifts/inheritance)

I received $50,000 when my last parent died almost two decades ago. Wife's surviving parent just died, and she will inherit about $400K. Nice but not really going to change our lives. We both of course received support growing up, although I paid for nearly all my college while my wife's family put...
by Thegame14
Sun Jan 20, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1774

Re: Evaluating Job Offer - Longer Commute

Thank you everyone for the great advice! I am going to wait for the final job offer this week and see what they say about working from home 2 times a week. Also, given the transportation costs, I am going to ask 16% more base. I don't want to come off as greedy, but definitely, need to cover my exp...
by Thegame14
Sun Jan 20, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus check: Towards down payment, debt, or emergency fund?
Replies: 19
Views: 1405

Re: Bonus check: Towards down payment, debt, or emergency fund?

Id pay off Loans 2, 3, 5, the rest to EF, and then use the monthly payments that were going towards loans 2, 3, and 5 for the next few months and put that in EF to get EF up to at least 2X monthly expenses, then proceed to pay off loans in highest rate order, while paying minimum on the rest. you ne...
by Thegame14
Sun Jan 20, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8219

Re: Divorce w/child. Spouse wants to move.

I guess I am missing something, if you are getting divorced why do you have to move. I get wanting to be close to your child, but then it seems like you are having all of the responsibility of marriage without the benefits... Id say let her move, and work out child living part of the year with you ...
by Thegame14
Sun Jan 20, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8219

Re: Divorce w/child. Spouse wants to move.

I guess I am missing something, if you are getting divorced why do you have to move. I get wanting to be close to your child, but then it seems like you are having all of the responsibility of marriage without the benefits... Id say let her move, and work out child living part of the year with you ...
by Thegame14
Sun Jan 20, 2019 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Highest Guaranteed Return Investment for My 75 Year-Old Dad?
Replies: 27
Views: 2416

Re: Highest Guaranteed Return Investment for My 75 Year-Old Dad?

only sure thing is a CD, and then he should do a CD ladder. Or he wants liquidity, he needs to just park it in a money market fund which most are around 2% right now Right now capital one 360 is 2% and offering a $500 bonus to open a new account, so he can try to take advantage of offers like this, ...
by Thegame14
Sun Jan 20, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: Confirm that IPhone 5s Won't Work on Verizon Network as of Late 2019?
Replies: 13
Views: 1742

Re: Confirm that IPhone 5s Won't Work on Verizon Network as of Late 2019?

I was looking to upgrade from my IPhone 7 plus to IPhone X Max, but asked about being worried about getting a new phone right before 5G comes out which we keep hearing is 2019. they said my phone was ok, but older phones like iPhone 5 wont work on 5G.
by Thegame14
Sun Jan 20, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8219

Re: Divorce w/child. Spouse wants to move.

I guess I am missing something, if you are getting divorced why do you have to move. I get wanting to be close to your child, but then it seems like you are having all of the responsibility of marriage without the benefits... Id say let her move, and work out child living part of the year with you a...
by Thegame14
Sun Jan 20, 2019 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Job Offer - Longer Commute
Replies: 40
Views: 1774

Re: Evaluating Job Offer - Longer Commute

not worth it. The money sounds good but bonuses can always be cut, and commute means 2 hours of your life everyday gone plus car costs, gas costs, and stress costs on your health. Plus that pension doesn't sound like a lot now, but will add up over time. if you have kids, then you may need more mone...
by Thegame14
Sun Jan 20, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 122
Views: 12924

Re: How much money did you receive from family? (Gifts/inheritance)

I am only 39 so, THANK GOD, not a lot of chances for inheritance. My parents are both government workers, and my mom was a SAHM until we got to high school, so she started her career late. both parents had lower wagers until more recently. Through promotions dad ended up making six figures his last ...
by Thegame14
Fri Jan 18, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7126

Re: How much house can I afford (really)?

This needs to go. Why do you keep saying expenses need to be cut? Yes, OP spends quite a lot, but he isn't trying to climb out of debt or figure out how to start saving. OP saves, with employer match, a healthy 25% of income. Because the numbers are large, this also allows for the possibility of qu...
by Thegame14
Fri Jan 18, 2019 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7126

Re: How much house can I afford (really)?

What you WANT, boss, and what you're going to GET are two different things. Understand? I understand bro, you think you are a big shot since you have a high income and want to live like a big shot, and you want advice, but only if it confirms what you want to hear, so you are hiding the things you ...
by Thegame14
Fri Jan 18, 2019 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 MM for $500 bonus
Replies: 31
Views: 2608

Re: Capital One 360 MM for $500 bonus

that sucks I already have $20K in their MM. We’ve all been there. I missed out on a bunch of money at ally last year because the money was already there and it only applied to “new” money. Whatyagonnado? :annoyed Life is still pretty darn good, I think. :D Yeah, 2% is still solid, I remember a few ...
by Thegame14
Fri Jan 18, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2782

Re: What shelf liquor and your favorite cocktails?

vodka and diet ginger ale, usually raspberry ginger ale, and brands of vodka, svedka or a generic Ketel one I cant think of the name off hand.
by Thegame14
Fri Jan 18, 2019 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Capital One 360 MM for $500 bonus
Replies: 31
Views: 2608

Re: Capital One 360 MM for $500 bonus

that sucks I already have $20K in their MM.
by Thegame14
Fri Jan 18, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: NJ EZ-Pass Why a monthly service fee?
Replies: 56
Views: 2632

Re: NJ EZ-Pass Why a monthly service fee?

It is basically just a fee for them to raise revenue, but I think it is more than worth the convenience of not having to wait in line at the cash or token lanes, if they even have those anymore.
by Thegame14
Thu Jan 17, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in the Bay area or give up?
Replies: 94
Views: 7059

Re: Should I buy a house in the Bay area or give up?

You cant afford $800K on a $200K and you shouldn't be including RSU or stocks or bonuses in compensation because they are no a sure thing. And you should target 3X income for a mortgage, so your income is probably really around $130-$150 which means you can afford about $400K-$450K. Also you shouldn...
by Thegame14
Thu Jan 17, 2019 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7126

Re: How much house can I afford (really)?

Can you break down the expenses? Something is off to be spending $160K a year in expenses. I think you can afford a bigger house, but I fear you will just buy more stuff for the house. Yes you have a high income which is great, but you don't need to spend that much. I am sure you can take that $160...
by Thegame14
Thu Jan 17, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7126

Re: How much house can I afford (really)?

Can you break down the expenses? Something is off to be spending $160K a year in expenses. I think you can afford a bigger house, but I fear you will just buy more stuff for the house. Yes you have a high income which is great, but you don't need to spend that much. I am sure you can take that $160...
by Thegame14
Thu Jan 17, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7126

Re: How much house can I afford (really)?

Can you break down the expenses? Something is off to be spending $160K a year in expenses. I think you can afford a bigger house, but I fear you will just buy more stuff for the house. Yes you have a high income which is great, but you don't need to spend that much. I am sure you can take that $160K...
by Thegame14
Thu Jan 17, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3920

Re: Any good reason to get a smartwatch?

the new apple 4 watch, can detect your heart beats and let you know if you have an irregular heartbeat, also can make an emergency call if you fall down. Apple is trying to use the watch to move into the medical space.....
by Thegame14
Wed Jan 16, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best kids savings account
Replies: 22
Views: 1797

Re: Best kids savings account

open a 529 for them
by Thegame14
Wed Jan 16, 2019 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Debt free - now what?
Replies: 9
Views: 1024

Re: Debt free - now what?

I am in accounting which is a similar to Finance and not making anywhere near that at a similar age.... I would say cd's or Money market. You could get 2-3% returns there for basically Zero risk. You can donate to a charity of your liking. How about helping out parents or other family. Have more kid...
by Thegame14
Wed Jan 16, 2019 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16130

Re: Why are your NOT buying rental properties?

and what about repairs? Months where tenants are not renting it and you have to float the costs, what about tenant doing damage to house and then disappearing, yeah you may have a $1,500 deposit, but when they do $10,000 in damage, then what? How about someone getting hurt and a lawsuit.... how abou...
by Thegame14
Wed Jan 16, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2835

Re: Netflix Recommendations

walking dead, the last ship, fuller house.
by Thegame14
Tue Jan 15, 2019 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 27
Views: 2570

Re: 29 yo resident doc married need personal finance/investing advice

so $1,200 a month in food, $75 AT A BAR!!!!, and $400 a month for tennis..... I have a family of 3 and we spend about a quarter of that on food. Who is going to a bar when you are married, drink at home.... $400 a MONTH FOR TENNIS, how about buy a tennis pass to your local town which is like $25 a ...
by Thegame14
Tue Jan 15, 2019 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 29 yo resident doc married need personal finance/investing advice
Replies: 27
Views: 2570

Re: 29 yo resident doc married need personal finance/investing advice

so $1,200 a month in food, $75 AT A BAR!!!!, and $400 a month for tennis..... I have a family of 3 and we spend about a quarter of that on food. Who is going to a bar when you are married, drink at home.... $400 a MONTH FOR TENNIS, how about buy a tennis pass to your local town which is like $25 a y...
by Thegame14
Tue Jan 15, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 1961

Re: Change my mind - Lease > Buy New Car

we bought a used Mazda CX-9 with all the bells and whistles for that year, got a 2013 with 37K miles and paid $15K for it. I think it was a pretty good deal to basically get for less than half price with 37K miles.
by Thegame14
Mon Jan 14, 2019 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: TLH is called "Murky"
Replies: 17
Views: 2089

TLH is called "Murky"

https://finance.yahoo.com/news/investors-are-using-a-clever-tax-trick-that-has-yet-to-be-tackled-by-the-irs-154432259.html The main strategy is called tax-loss harvesting, and it’s something that many financial advisors recommend and many robo-advisors offer as part of their investing plans. The str...
by Thegame14
Fri Jan 11, 2019 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3193

Re: Life transition, what's next

where is the $250K checking/savings and what rate? At the bare minimum it should be moved to an online bank earning 2% which is about $420 a month, you can get 14month Cd's at almost 3%, which is around $625 a month also that $100K in Edward jones is too risky at your age. should be more like 60/40...
by Thegame14
Fri Jan 11, 2019 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11312

Re: Biggest Investment Mistake

buying individual stocks when I first started investing instead of just buying the spider, not maxing my 401K when I first started working.
by Thegame14
Thu Jan 10, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Dental work - possibly going elsewhere
Replies: 17
Views: 1292

Re: Dental work - possibly going elsewhere

I assume each new dentist will want x-rays to cover their own a** I mean for liability reasons...
by Thegame14
Thu Jan 10, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

I don't consider myself a gamer but I like a certain type of games that 1. is not Pay to Win 2. make new friends 3. slow paced, requiring long term strategical thinking I played Crown of the Gods before. Looking for a new game. I've never heard of it but I looked it up and it seems similar to OGame...
by Thegame14
Thu Jan 10, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

I don't consider myself a gamer but I like a certain type of games that 1. is not Pay to Win 2. make new friends 3. slow paced, requiring long term strategical thinking I played Crown of the Gods before. Looking for a new game. I've never heard of it but I looked it up and it seems similar to OGame...
by Thegame14
Thu Jan 10, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6101

Re: Building Wealth Through Home Equity--Myth or Reality?

it is mostly a myth, as you always need somewhere to live, the only way this works is if you live in HCOL or VHCOL area while working and getting high salary, then retire sell house in HCOL areas and relocate to LCOL area and get house for a lot cheaper, as you always need somewhere to live.
by Thegame14
Thu Jan 10, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

I still play Runescape + 1, great game I like the building up of a character part and economy part of the game, but not a WOW fan. Also Play the Civ series, used to love command and conquer but they made one game I couldn't even get past the tutorial stage, Red Alert was great. Used to love playing...
by Thegame14
Thu Jan 10, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off a 30 year mortgage in 15 years? The cost of flexibility
Replies: 79
Views: 7608

Re: Pay off a 30 year mortgage in 15 years? The cost of flexibility

I have been wondering, let's say you take out a 30 year mortgage putting 20% down and then you are halfway through your mortgage. Assuming interest rates are similar to when you took out the original loan, does it make sense to then go to the bank and take out a 15 year mortgage? Same concept if you...
by Thegame14
Thu Jan 10, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund questions
Replies: 17
Views: 926

Re: Emergency Fund questions

ID put it in savings if that makes you more comfortable, but also at age 37 being 60% bonds, is WAAAAAY too conservative, you should be 80% stocks 20% bonds.
by Thegame14
Thu Jan 10, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: 5 days. What to do in Las Vegas and Grand Canyon
Replies: 48
Views: 2616

Re: 5 days. What to do in Las Vegas and Grand Canyon

I would fly into vegas, rent a car and head to the grand canyon, on the way there you can hit the hoover dam and do the Dam tour and take all the Dam pictures you want. Then prob another 4ish hours to get to the Canyon, eat dinner, go to bed early and get up at like 5AM, eat breakfast and hike the s...
by Thegame14
Thu Jan 10, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 59
Views: 4435

Re: MMORPG games

I still play Runescape
by Thegame14
Wed Jan 09, 2019 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3193

Re: Life transition, what's next

where is the $250K checking/savings and what rate? At the bare minimum it should be moved to an online bank earning 2% which is about $420 a month, you can get 14month Cd's at almost 3%, which is around $625 a month also that $100K in Edward jones is too risky at your age. should be more like 60/40 ...
by Thegame14
Wed Jan 09, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7311

Re: Is buying a $700K first home crazy?

if that income is secure, then you can afford it. Just make sure you factor in closing costs, furniture and costs like lawnmower, maintenance, etc.. You don't want to put all your liquid into the house and not be able to furnish it or repaint, or maintain the house. Id stick to 20% down the rest liq...