Search found 17 matches

by bullmoose85
Thu Feb 06, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3475

Re: New Grad with fashion design degree looking for job in that field

I'm sorry but your granddaughter has a degree that is not worth the paper it's printed on. She either needs to go back to school and get a degree in a STEM field, or possibly try to carve out a career in sales. Otherwise it's going to be a long and low-paying road for her.
by bullmoose85
Tue Oct 15, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: How to make myself most employable (full stack developer)
Replies: 11
Views: 1408

Re: How to make myself most employable (full stack developer)

From what I gather you really aren't a full-stack developer, just back-end. There is currently high demand for people with skills in the modern front-end frameworks like React. JQuery is now considered pretty outdated.
by bullmoose85
Thu Oct 10, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 10518

Re: Fidelity to $0 Commissions

I keep thinking, in this world of $0 commissions and very low cost index funds, how much longer can Edward Jones survive?
by bullmoose85
Fri Aug 02, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?
Replies: 58
Views: 5801

Re: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?

You'll never go wrong choosing to be debt free. House poor with no cash is "going wrong". Ok fine, don't spend every last dollar of your savings on the purchase price of a house. I figured this was common sense. OP could buy a 275k house with cash and still have 45k left in savings, which he could ...
by bullmoose85
Fri Aug 02, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12778

Re: Insane to buy a sports car?

If you've got the cash to pay for it and you accept that it will depreciate in value pretty rapidly, go for it. :beer
by bullmoose85
Fri Aug 02, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 11937

Re: Paying cash for a vehicle

Reading the comments, it seems many people think all vehicles are created equal. Vehicles across makes and models vary widely in quality in reliability. $10k for a Toyota Highlander with 150k miles is an entirely different proposition than for a Chevy Equinox. Mileage by itself doesn't say much wit...
by bullmoose85
Fri Aug 02, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?
Replies: 58
Views: 5801

Re: Sold Home - $300,000 Profit - Invest or Pay Cash For New House?

I'm impressed that you have such a high income on teacher's salaries in a LCOL area. You're doing something right! In your situation, it's a no brainer: pay cash for your next house and stay debt free. The only qualifier would be if you don't plan on staying in your next house for a reasonably long ...
by bullmoose85
Tue May 28, 2019 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Home Lab for start in IT Career
Replies: 27
Views: 2464

Re: Home Lab for start in IT Career

Cloud, cloud, cloud, cloud. It's the future. Get your AWS certification. Very high demand for people with AWS credentials.
by bullmoose85
Fri May 17, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: blinkist [anyone have experience?]
Replies: 8
Views: 1077

Re: blinkist [anyone have experience?]

I had it for a year. Overall, I enjoyed it. It's pretty nice to be able to get the main bullet points of a 500 page non-fiction book in just a few minutes. The reason I didn't renew my subscription is because they weren't putting out enough new titles that interested me. They leaned too much toward ...
by bullmoose85
Fri May 17, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 4242

Re: Should I replace Prius Hybrid Battery?

...Gen 2 Prius such as yours has been proven to be rock solid... Is there a Prius generation that hasn’t been reliable? Serious question. Possibly the first generation. But everything since has been very reliable. IIRC the 2010's and 2011's (first years of 3rd gen) had issues with excessive oil con...
by bullmoose85
Fri May 17, 2019 4:15 pm
Forum: Personal Investments
Topic: Tilting very slightly towards small & mid caps. Is this a good idea?
Replies: 36
Views: 3231

Re: Tilting very slightly towards small & mid caps. Is this a good idea?

Please, please, just put your money in VTWAX and call it a day.
by bullmoose85
Thu Apr 11, 2019 2:10 pm
Forum: Personal Investments
Topic: Edward Jones CDs
Replies: 17
Views: 2394

Re: Edward Jones CDs

Speaking as a former EJ employee, I urge you to avoid them. Once you're in their world, they're going to hound you relentlessly to essentially turn over your whole financial life to them. They call this being "deeply served" lol. Thank you for "pulling back the curtain" on this facet of EJ's busine...
by bullmoose85
Wed Apr 10, 2019 11:54 am
Forum: Personal Investments
Topic: Edward Jones CDs
Replies: 17
Views: 2394

Re: Edward Jones CDs

Speaking as a former EJ employee, I urge you to avoid them. Once you're in their world, they're going to hound you relentlessly to essentially turn over your whole financial life to them. They call this being "deeply served" lol.
by bullmoose85
Fri Mar 22, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Does 10% Gold increase or decrease risk?
Replies: 83
Views: 5254

Re: Does 10% Gold increase or decrease risk?

3funder wrote:
Thu Mar 21, 2019 11:53 am
I think Gold is useless.
The United States government and its 9,000 metric tons of gold holdings would disagree with you.
by bullmoose85
Fri Mar 22, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Is Staying in the Same Home for a Long Time Good for Wealth Building?
Replies: 18
Views: 1915

Re: Is Staying in the Same Home for a Long Time Good for Wealth Building?

Consider that for the first few years of a 30 year mortgage, your monthly payment is mostly interest. It's not until the later years that you really start making a dent in the principal, thereby building up more equity. So it would make sense, along with the other reasons mentioned, that buying and ...
by bullmoose85
Thu Mar 21, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 1908

Re: Minivan or SUV?

Do you have a 4WD pickup truck as a second vehicle? If so, I'd say go with the minivan as it will be a more practical family car. But based on your lifestyle, if you don't have a truck, get a SUV with 4WD that will be much better suited for your rural needs.
by bullmoose85
Wed Mar 20, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 87
Views: 11937

Re: Paying cash for a vehicle

Reading the comments, it seems many people think all vehicles are created equal. Vehicles across makes and models vary widely in quality in reliability. $10k for a Toyota Highlander with 150k miles is an entirely different proposition than for a Chevy Equinox. Mileage by itself doesn't say much with...