Search found 2541 matches

by JupiterJones
Thu Oct 19, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1900

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: 2934

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: 13749

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: 1143

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: 3161

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: 1089

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: 1206

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: 1143

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: 801

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: 4146

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: 801

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: 4146

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: 801

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: 4225

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: 801

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: 3161

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...
by JupiterJones
Wed Sep 27, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: My Smartest Financial Moves
Replies: 62
Views: 5946

Re: My Smartest Financial Moves

I've never taken out a student loan in my life. (While that might not be "smart" for everyone's circumstances, it turned out to be smart for my particular situation.) Only once did I take out a car loan. Hated it so much that I paid it off as fast as I could and vowed never to do it again. (At least...
by JupiterJones
Wed Sep 27, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Finding a Driver
Replies: 26
Views: 3039

Re: Finding a Driver

The underlying problem, of course, is that so many of the areas in which we live are designed to be "car mandatory". :x When/if I get to be the OP's parents age, hopefully I'll wind up somewhere with low sprawl, denser housing, mixed-use zoning, and a solid public and active transport infrastructure...
by JupiterJones
Wed Sep 27, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 2766

Re: High end cruising suggestions.

Pick up the latest edition of "Berlitz Cruising and Cruise Ships". Every cruise line is expertly reviewed as are each individual ship within each line.
by JupiterJones
Wed Sep 27, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4687

Re: Sonoma in October

I'll second the Charles Schulz museum. Ferarri Carano is worth a visit. Beautiful property. The "cave tour" at Schramsberg is over in Napa, is not cheap, and requires a reservation well in advance. Still, I highly recommend it. Gunlach Bundschu is close to Petaluma and makes great wines. They have p...
by JupiterJones
Tue Sep 26, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7482

Re: Alternative to Google Finance?

triceratop wrote:
Tue Sep 26, 2017 12:26 pm
One does not pay if one is the product.
Tell that to Equifax. :(
by JupiterJones
Tue Sep 26, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6808

Re: Tipping question....Applebees

KlingKlang wrote:
Tue Sep 26, 2017 8:32 am
I will frequently order a meal other than what I would really like to try in order to save a dollar.
I, on the other hand, will happily spend an extra dollar to order a meal that I would really like to try.

No regrets so far! :beer
by JupiterJones
Tue Sep 26, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How much do I have to save?
Replies: 18
Views: 3839

Re: How much do I have to save?

I'll go against the tide here. I do figure everything in future dollars. It just makes more sense for me to have a goal that represents what the actual total should be. But it is a wee bit more complicated, I suppose. Here are my basic steps: I estimate what my yearly expenses would be right now, if...
by JupiterJones
Mon Sep 25, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1638

Re: What phone carrier?

We use Ting. They're great.
by JupiterJones
Mon Sep 25, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6808

Re: Tipping question....Applebees

See any issues with the suggested gratuities? Well, it's a bit of an issue that so many people can't do a simple math approximation like this in their heads that the restaurant feels compelled to do it for them. Or maybe they're also doing it as a sort of passive-aggressive nudge to get people to t...
by JupiterJones
Thu Sep 21, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24098

Re: I won the Lottery. Need sound advice.

There exist people who haven't seen "Office Space"? :o :confused

I learn so much from this forum...
by JupiterJones
Tue Sep 19, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 824

Re: Amazon Prime Card Points Can (and Should?) Pay Off Card

OP, This is one reason why I have the Amazon store card instead of the Amazon Visa card. With the store card I get 5% rewards as a statement credit and it's applied automatically at the end of each billing cycle. That's handy. Although with the Amazon Prime Visa, you also get some cash back on thin...
by JupiterJones
Tue Sep 19, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 824

Re: Amazon Prime Card Points Can (and Should?) Pay Off Card

That month I apply the "$5" in rewards on my credit card statement rather than on a product. For that month - my statement is only $495 versus $500 so I am only getting rewards on $495 versus the full $500. That's not how this card works. A statement credit does not take points away from you. Corre...
by JupiterJones
Tue Sep 19, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 824

Amazon Prime Card Points Can (and Should?) Pay Off Card

Not sure if this is widely-known (it's certainly not explicitly mentioned in any of their marketing material that I can find), but it turns out that you can apply your Amazon Prime credit card points to your card balance. You don't have to just use them as "store credit" on your Amazon purchases. In...
by JupiterJones
Tue Sep 12, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3176

Re: Driving a car Italy, any suggestion?

I got a Garmin GPS with Europe map. Great! Personally, I use the MapFactor Navigator app on my phone, but a dedicated box has some advantages too. In any case, I recommend the following: Go ahead and program in any locations that you know you'll be driving to (as "waypoints" or "favorites" or whate...
by JupiterJones
Thu Sep 07, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Places to see in Chicago
Replies: 45
Views: 2958

Re: Places to see in Chicago

also visit the Palmer House for coffee or a drink: http://www.palmerhousehiltonhotel.com it is down the street from the museum. The lobby is amazing. Sadly, they got rid of the marvelously retro Trader Vic's that used to be in the basement. Luckily, there's still the Hala Kahiki, which I consider a...
by JupiterJones
Thu Sep 07, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5733

Re: Wife believes 7+% returns from stock market are guaranteed

TravelforFun wrote:
Wed Sep 06, 2017 12:52 pm
The OP is lucky. His wife hasn't talked to Dave Ramsey or he would have to argue against her 12% guarantee.
Although, interestingly, Dave would side with the OP here and recommend paying off the house.
by JupiterJones
Tue Sep 05, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5500

Re: Oregon road trip help

PDX is still a great airport, but it hasn't been the same since they replaced the carpet. :(
by JupiterJones
Tue Sep 05, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2175

Re: Book Recommendations: Nutrition / Psychology

Some good psychology-ish books for the layperson that I've enjoyed recently...
  • Mindset -- Carol Dweck
  • The Talent Code -- Daniel Coyle
  • 10% Happier -- Dan Harris
  • The Gratitude Diaries -- Janice Kaplan
by JupiterJones
Fri Sep 01, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10103

Re: Companies/Brands You Love?

I'll second OXO.

Is Rick Steves a company/brand? If so, then that. Never been let down by any recommendation from his books or shows.

Craftman hand tools.
by JupiterJones
Thu Aug 31, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3194

Re: Hurricane Harvey relief?

The Red Cross has had scandals going back years about mismanaging funds. There are plenty of reputable charities to donate to, like, yes, the Salvation Army, and others that one has checked out. I'm not so sure that the Salvation Army is the best alternative for someone who didn't want to donate to...
by JupiterJones
Thu Aug 31, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 2380

Re: Part-time computer science graduate schools in Boston area?

I actually took my first "Intro to CS 101" class at UMass Boston. We used dumb terminals hooked up to a VAX/VMS mainframe and wrote in the hot, trendy language of the day... Pascal. Obviously, it was many years ago. :-) I remember the burritos in the cafeteria being really, really good. Anyhoo, whil...
by JupiterJones
Mon Aug 28, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10709

Re: Is Amazon Prime worth it?

I quickly threw it in my Prime Cart and it magically shows up at my doorstep within two days. If I didn't have that service, I would have to get an uber and find the nearest store that hopefully carries one. Or, without Prime, I suppose you could've quickly thrown it in your cart, paid for shipping...
by JupiterJones
Fri Aug 25, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5500

Re: Oregon road trip help

itstoomuch wrote:
Thu Aug 24, 2017 11:47 pm
Prop planes.
When I visited, they didn't have any prop planes. They were all 100% real ones.

:D
by JupiterJones
Wed Aug 23, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Can you recommend a good mouse trap?
Replies: 44
Views: 2277

Re: Can you recommend a good mouse trap?

I've used several kinds of traps, and prefer the "no see-um" kind. After having little luck with mechanical models (failed to spring, etc.), I've found a favorite in this electronic one: http://www.victorpest.com/victor-electronic-mouse-trap-bm2524s http://images.victorpest.com/is/image/woodstream/v...
by JupiterJones
Tue Aug 22, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? 8 Month Update
Replies: 165
Views: 19281

Re: Learning an instrument as an adult? 8 Month Update

Awesome! Thanks for the updates. :sharebeer
by JupiterJones
Tue Aug 22, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Three days in Prague during September
Replies: 19
Views: 1715

Re: Three days in Prague during September

This episode of "Travel With Rick Steves" should give you plenty of ideas:

https://www.ricksteves.com/watch-read-l ... n-8/prague
by JupiterJones
Fri Aug 18, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6777

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

I cannot believe it. Forecast now shows clear and sunny in Nashville on Monday. Actually NOAA projection for Nashville at 1pm is for 30% sky cover. This is per their forecast outlook updated as of 7:30C this morning. It still should be sunny, but I'd expect scattered clouds. It's projected to be a ...
by JupiterJones
Tue Aug 15, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8594

Re: Is $9000 too much for a sectional sofa ?

I think all sectional sofas should be at least $9,000, if only to discourage people from buying them. :D But, like most things, whether they be cars or watches or vacations, tastes vary. We all derive value differently. What's "too much" for me might be a bargain for you. In the end, my rule of thum...
by JupiterJones
Tue Aug 15, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3530

Re: Your Movie Collection?

These days having a DVD is pointless since everything can now be streamed. Not everything. Not even close. Some movies are out on DVD before they're available for streaming. Others never wind up on streaming in the first place. Still others are on streaming for a period of time, then get unceremoni...
by JupiterJones
Fri Aug 04, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6777

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

We will simply fly to a small airport Monday morning before the start, probably the KY Dam State Park airport. Destination may change depending on weather. We plan to pack chairs and refreshment, picnic on the airport grounds, and then depart for home afterwards. That way we will not be on the road...
by JupiterJones
Tue Aug 01, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?
Replies: 67
Views: 3169

Re: I bought a different car and my old bike rack no longer works. How should I transport my bike moving forward?

A folding bike is fine, but not a great choice for many recreational riders because of the smaller wheel circumference. I'm not so sure about that, given that many people successfully do long bike tours on folding bikes. Bromptons seem particularly popular in that regard: http://www.pathlesspedaled...