Search found 2574 matches

by JupiterJones
Wed Dec 13, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 1928

Re: Novel Gift Ideas for Adult Siblings

I agree that something edible is your best bet rather than wasting $20 on an inflatable tiger head or some other useless thing that is a waste of energy and the material it is made from and will collect dust until it ends up in a landfill. I would expand that definition to something consumable . Ma...
by JupiterJones
Fri Dec 08, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4441

Re: Dollar Store Hacks

Do you have any special hacks you use with clips, cable ties, or other cheap items that can be found at the Dollar Store? I used to use these reflective, velcro strap things to cinch the bottom of the right leg of my pants when I ride a bicycle (to keep it away from the chain). One day I didn't hav...
by JupiterJones
Thu Dec 07, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2795

Re: Work from Home Jobs

Does she have her master's (or, better yet, a doctorate)? She might be able to find work teaching online IT classes. I took an online humanities class years ago where the instructor basically traveled around the country in an RV. Her husband was a retired military communications expert, and he would...
by JupiterJones
Fri Dec 01, 2017 9:49 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?

There's a major difference between the American Red Cross and a college. The latter has a supply of customers paying large sums of money every year for its services while the former does not. True. But the Red Cross does have a supply of customers paying large sums of money every year for its produ...
by JupiterJones
Thu Nov 30, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4062

Re: Paying for news?

But it costs money to operate subways, and if everybody jumped the turnstyles, the subway would very quickly shut down. Or in your example, the only reason you can watch the movie for free is because everyone else pays for it. As I recall, Kant had a few things to say about this... Well I agree wit...
by JupiterJones
Thu Nov 30, 2017 2:04 pm
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?

If it strikes you as bizarre if not tacky for a car dealership, bank or dentist office, etc. to ask you for a donation due to your prior business relationship, then you understand how I feel about donation requests from my alma mater. I feel same way too. What makes universities so special? Their r...
by JupiterJones
Thu Nov 30, 2017 1:42 pm
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 matter?

a nonprofit university president makes two or three times as much as the U.S. president does You have to actually be qualified in order to be a university president, so of course it pays more than jobs where they'll take pretty much anybody. :P But getting back to the OP's question, you donate to a...
by JupiterJones
Wed Nov 29, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3949

Re: Luggage Update for Travel

Yeah, I get how some people who have always traveled heavy don't see that it's a big deal. As with most things in life, if you've never known any other way, the "other way" can seem weird. (Laundry during vacation! How plebeian!) But consider this: Lots of people have switched from traveling heavy t...
by JupiterJones
Tue Nov 28, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4062

Re: Paying for news?

You might want to try to make your case that consuming media without paying for it is equivalent to "theft" or "stealing". They put up a paywall because they want people to pay to consume their intellectual property - in what world is finding a way to avoid paying for their service not theft? It's ...
by JupiterJones
Tue Nov 28, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 3949

Re: Luggage Update for Travel

I'll add my voice to the growing chorus of "one bag" travelers. I've even converted my wife to the relig... er, method. :D And ideally that one bag will be worn on your back, leaving your hands free and letting you climb stairs and navigate public transit with ease. (Wheels and internal frames take ...
by JupiterJones
Tue Nov 21, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4062

Re: Paying for news?

I would just enjoy the free articles. For the Washington Post there is a work around where I can click Reader view(Firefox) and I can read the article for free after I have used my monthly free limit. There is a little book right next to the refresh button that I click to enter reader view. I am no...
by JupiterJones
Tue Nov 21, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 108
Views: 12972

Re: The valet smashed my Tesla into a brick wall!

Two things... First, I also avoid valet whenever possible. Not so much because I don't trust the valets, but because it lets me avoid the inevitable long line at the end of the evening to get my car back. Plus I feel weird having people do things for me that I can easily do myself (I can park my own...
by JupiterJones
Mon Nov 20, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15236

Re: Why pay cash for a car?

Save up to get that used Plymouth Valiant with the straight six. It was a slant six in the Valiant, wasn't it? I know because, coincidentally, it was the first used car I remember my Dad buying (for cash, at an auction no less!) after he got fed up with making payments on his new cars. He drove Cad...
by JupiterJones
Mon Nov 20, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 39
Views: 3257

Re: New car buyers...you should consider financing

What a pain. Actually, your story makes me not want to consider financing.
by JupiterJones
Fri Nov 17, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1599

Re: Questions for Boglehead runners

1. Maybe a few hundred? Any destination race I do would typically be to a place I would go to without the race anyway, so I wouldn't count the trip expenses as solely running-related. 2. Everyone has the same number of minutes in the day... it's all about what you do with them. Time can almost alway...
by JupiterJones
Fri Nov 17, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 1770

Re: Christmas Vacation on a budget

The period after National Finals Rodeo right up until Christmas is typically one of the cheapest times to go to Las Vegas. (Although many of the shows are dark.)
by JupiterJones
Wed Nov 15, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15236

Re: Why pay cash for a car?

Someone should do a documentary like "Supersize Me" but instead of food, ANY time you are given the option to finance something, you have to do it. Car, furniture, electronics. 0% for 3 years! Can't pass it up. Good deal! :shock: I will pay $500 extra to not have a car loan for 4 or 5 years. I don'...
by JupiterJones
Wed Nov 15, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4062

Re: Paying for news?

As a side-note - you do realize you can just clear your browser's cookies to reset your 10-article limit on most of these sites? You might not want to lose all saved browser information but you could use a separate browser for news reading. Or, in Chrome, you can open up an incognito window that ha...
by JupiterJones
Tue Nov 14, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4062

Re: Paying for news?

I subscribe to the NYT. More than a buck a month, certainly, but worth it to me to support what I consider to be quality journalism.

I do not have a Facebook account.
by JupiterJones
Mon Nov 13, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: What is the best app to use for trading stocks?
Replies: 7
Views: 643

Re: What is the best app to use for trading stocks?

I recommend this app.

It doesn't have anything to do with finance, but it will give you something to do while you wait for the urge to invest in single stocks to pass. :D

Ah, but seriously folks... the post above makes some great points that are well worth considering.
by JupiterJones
Mon Nov 13, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: "Starter House" - to pay off or not?
Replies: 13
Views: 1516

Re: "Starter House" - to pay off or not?

I'd sort of split the difference if I were you. Actually, I'm not even being hypothetical--this is exactly what we're doing ourselves: Assuming there is no other financial goal you need to prioritize (paying off debt, saving for a car or college or a baby, etc.), then I'd tap into the savings a bit ...
by JupiterJones
Mon Nov 13, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: Audiophile Headphones
Replies: 31
Views: 2571

Re: Audiophile Headphones

Yet another vote for the Sonys. I have the MDR-V6 model myself, which is nearly the same as the 7506 (same drivers, etc.) but supposedly a bit warmer.
by JupiterJones
Mon Nov 13, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15236

Re: Why pay cash for a car?

For the same reason I pay cash for refrigerators. Or groceries. Or a pack of gum. This ^^^ When I buy things, I like to actually buy and own them , if that's financially feasible for me. I'm not so happy with having someone else buy the thing for me, with an agreement that I pay them back over seve...
by JupiterJones
Fri Nov 10, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1831

Re: Comments on Kia Soul?

My wife won't buy a white car after reading about a driver in a white car driving into a ravine on the side of the road somewhere in a snow storm and not getting discovered for weeks. International orange is probably the best color for safety :) With my luck, I'd buy a bright orange car and then wi...
by JupiterJones
Fri Nov 10, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1824

Re: Gifts for a marathoner

It's cool to see so many runners here. I shouldn't be surprised; the discipline and meticulous attention to workouts required to be a distance runner lends itself to approaching finances the BH way. Nice insight. I think you're on to something. Most of the Boglehead philosophy could apply to traini...
by JupiterJones
Wed Nov 08, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1824

Re: Gifts for a marathoner

Yes, definitely do not take it upon yourself to pick out clothing, shoes or other wearable accessories. A gift certificate is the way to go here. And only buy gels/powerbars if you know your friend's preferred brand and flavor. With that in mind, here are some other ideas: Gift card for a Road ID . ...
by JupiterJones
Mon Nov 06, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which Debt to Payoff First?!
Replies: 23
Views: 2084

Re: Which Debt to Payoff First?!

I'd lean toward the car too. Be nice to not be on the hook for that payment every month, wouldn't it?

But if you're paying PMI, I'd consider paying down the mortgage to get rid of it.
by JupiterJones
Fri Nov 03, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: "Best" Online Degree if already a college graduate
Replies: 120
Views: 15003

Re: "Best" Online Degree if already a college graduate

sco wrote:
Fri Nov 03, 2017 3:37 pm
But I stand by not hiring people with emails like pimpdaddy@yahoo.com
My friend, Peter Impdaddy, has the hardest time finding a job for this very reason. :(
by JupiterJones
Fri Nov 03, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3212

Re: Should I invest my emergency fund?

nisiprius wrote:
Fri Nov 03, 2017 8:07 am
Typically the people who tell you "your money should be working harder" are people who have investments they want to sell you.
True that. :beer
by JupiterJones
Fri Nov 03, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Lease New Car?
Replies: 38
Views: 4473

Re: Lease New Car?

In my opinion, modern safety and technology is a lame excuse of keeping buying/lease new car every other 3 years. Same here. If you buy a brand-new car with all the modern safety features, it doesn't suddenly become a deathtrap in 3 years when new safety technology comes out. Barring mechanical iss...
by JupiterJones
Thu Nov 02, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 2605

Re: New 2 comma member

Nice! Congrats. :sharebeer
by JupiterJones
Thu Nov 02, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3212

Re: Should I invest my emergency fund?

They should be kept in liquid accounts with low volatility. Breakable CDs. short term bond funds or high yield savings accounts. Yup. The job of your emergency fund is not to "work for you" and earn money. It's there to protect you from having to dip into your investments (perhaps selling at a loss...
by JupiterJones
Thu Oct 26, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 1580

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

Salzburg is particularly great if you're a classical music fan. Or an Austrian schnapps fan. :-) And I thought Hallstatt was absolutely wonderful and might not be too touristy in May (we were there in October and it wasn't bad at all). All that said, it's sort of going the wrong way, isn't it? They'...
by JupiterJones
Thu Oct 19, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 2522

Re: Data Use on Smartphones

DW and I generally come it at 400-500M of data per month, combined.
by JupiterJones
Fri Oct 13, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Pay-off Car Loan or Pay-down Mortgage?
Replies: 21
Views: 3067

Re: Pay-off Car Loan or Pay-down Mortgage?

Thanks for the follow-up report, and congrats! :sharebeer
by JupiterJones
Tue Oct 10, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15826

Re: [Boglehead vs Mr Money Mustache philosophies]

At least you didn't start a Dave Ramsey thread, then you'd really get a black eye! :wink: Actually, you could probably do a passable Venn diagram of all three philosophies. At the center would be "live below your means and realize that whole life is for suckers" At the intersection of just MMM & DR...
by JupiterJones
Fri Oct 06, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1269

Re: Weeklong vacation Thanksgiving

I'm a bit biased, but... how about Nashville? 8-) We're going to Nashville over Thanksgiving!!! We have kids age 9 & 10 - right now they love old country music so we're hoping they will enjoy it! Awesome! Some good threads floating around here on suggestions, if you haven't searched for them alread...
by JupiterJones
Fri Oct 06, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3427

Re: We're Debt Free (Except our House)!

I usually get a 2-3k refund Sounds like you may need to adjust your withholding. That's up to $250 more on your paycheck each month that you could've been using this whole time to pay extra on your truck, instead of loaning it to the government interest-free while your truck loan racks up interest.
by JupiterJones
Fri Oct 06, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Selling burial plots in Alabama
Replies: 14
Views: 1220

Re: Selling burial plots in Alabama

I'm surprised there's so little demand for burial plots. You'd think people would be dying to get in there.
by JupiterJones
Fri Oct 06, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Student Debt Advice
Replies: 17
Views: 1310

Re: Student Debt Advice

I'm just trying to see what the best way to get it paid off is in terms of paying it off sooner than ten years and paying the least interest. You could try to finagle the bagel with loan consolidation or something, but that's not really going to do much. In the end, the only way to get out of your ...
by JupiterJones
Fri Oct 06, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1269

Re: Weeklong vacation Thanksgiving

I'm a bit biased, but... how about Nashville? 8-)
by JupiterJones
Thu Oct 05, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 893

Re: Driving from Boise to Missoula: Best Route?

Ah yes, the Tail of the Dragon. I'm not a motorcycle person, but I've heard it's a great ride.

Here's a good map for seeing what the foliage may be like in different part of the US on different dates this year: https://smokymountains.com/fall-foliage-map/
by JupiterJones
Thu Oct 05, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4478

Re: How much worth house should one buy?

cusetownusa wrote:
Thu Oct 05, 2017 1:01 pm
3CT_Paddler wrote:
Thu Oct 05, 2017 11:13 am
The number should definitely be less than the bank will loan you.

Dave Ramsey has a good rule of thumb... PITI less than 25% of your net pay (post-tax).
I believe he also says on a 15 year loan.
And he also says with, ideally, at least a 20% down payment to avoid PMI.
by JupiterJones
Thu Oct 05, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 893

Re: Driving from Boise to Missoula: Best Route?

Thanks, Krupke, Whom, MT Girl, and F150!
by JupiterJones
Thu Oct 05, 2017 8:29 am
Forum: Personal Finance (Not Investing)
Topic: How much worth house should one buy?
Replies: 73
Views: 4478

Re: How much worth house should one buy?

Personally, I go by what I call the "Burger King Rule": The monthly payment should be low enough that, if my wife and I both lost our jobs and had to go work at fast food restaurants, we could still pull it off. (Note that this doesn't really say anything about the size or value of the house. Just t...
by JupiterJones
Wed Oct 04, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 893

Re: Driving from Boise to Missoula: Best Route?

Thanks, whomever. I hadn't thought about potential differences in "twistiness". I'm probably leaning toward the option that requires slightly fewer barf bags for my passenger. :D I"m assuming that would be the second route?
by JupiterJones
Wed Oct 04, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4483

Re: another 2 comma club member

Awesome! Congrats! :sharebeer
by JupiterJones
Wed Oct 04, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 893

Driving from Boise to Missoula: Best Route?

Any Bogleheads with good knowledge of Idaho driving? Because I have virtually none! Google maps is suggesting heading north (toward McCall), picking up 95, etc, then eventually east on 12 to Missoula. But it also points out an alternate route that's only about 10-15 minutes slower: Cutting east thro...
by JupiterJones
Tue Oct 03, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: We're Debt Free (Except our House)!
Replies: 34
Views: 3427

Re: We're Debt Free (Except our House)!

Congrats! :sharebeer Is $26,000 the correct size for your emergency fund? If not, I'd throw that extra two grand there until it is. Are there any expected costs on the horizon? Do you have a vacation planned? Is your HVAC on its last legs? How are your vehicles doing? Anyone planning to go back to s...