Search found 2676 matches

by JupiterJones
Wed Oct 10, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2910

Re: Dayton, Ohio -- Worth Visiting?

Thanks for the tips & insights, folks! I appreciate it.

Like the poster above me, I also read the Wright Bros. book and think it would be cool to visit the bike shop and Huffman field. Looks like the bike shop is in the dreaded "West Dayton" though, eh? I presume it's not too bad in the daytime?
by JupiterJones
Tue Oct 09, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2910

Dayton, Ohio -- Worth Visiting?

I'm planning a road trip and considering making Dayton one of the stops. Mainly to check out all the aviation-related stuff in the area (Wright Bros., etc.). Some questions: I've heard that parts of Dayton can be sketchy/unsafe. Is this true? Which parts? We usually like to stay downtown when visiti...
by JupiterJones
Tue Oct 02, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Tipping
Replies: 55
Views: 3873

Re: Tipping

RudyS wrote:
Tue Oct 02, 2018 9:13 am
I once heard that "TIP" meant "to insure promptness."
If so, we should call it a "TEP", because you're trying to ensure promptness, not insure it.
by JupiterJones
Tue Oct 02, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 58
Views: 11092

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

timmy wrote:
Sat Sep 29, 2018 8:17 am
You know how Star Wars fans feel about new Star Wars movies. That's how I feel about this book. I hope it's good :confused
Yeah, I hope it's not the "The Phantom Menace" of financial books. :P
by JupiterJones
Fri Sep 28, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 39
Views: 3427

Re: How to charge much higher than Credit Card Limit

(I understand the fee. Miles value still works out much better) I'm interested to see this calculation. Must be a fee of 20-30k for say a million or two miles. I guess that can come out ahead for business class award tickets. Yeah, maybe. But like you, I wonder by how much? Like most of the sorts o...
by JupiterJones
Tue Sep 25, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Meditation Apps
Replies: 5
Views: 503

Re: Recommendation for Meditation Apps

Another vote for Insight Timer.

Although really I just like it for the timer part (nice collection of start/end bell sounds). I've never used the guided meditations.
by JupiterJones
Mon Sep 24, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8625

Re: Minimalist Lifestyle

6. Have Pantry week/month, where you buy only fresh groceries and otherwise work out of the pantry. I've heard of the idea of a "Pantry Potluck" or "Use-What-You-Have Dinner Party". Invite people over. Have them bring food. The rule is that they can't go out and buy anything special to make whateve...
by JupiterJones
Mon Sep 24, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7550

Re: Best way to get $100k cash

PS. On a side note, I realize paying off a 3.625% mortgage is not the best use of money. But psychologically, I want to be done with my mortgage I get that feeling. But it seems to me that all you'll be doing here is taking a mortgage that you "want to be done with" and exchanging it for a differen...
by JupiterJones
Mon Sep 24, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8625

Re: Minimalist Lifestyle

I just watched "Minimalism: A Documentary". It was excellent, and really helps define what the modern minimalist movement is all about. It's not about living like a hobo, necessarily. It's more about constructing a life in which you intentionally have things in your life that add value, and avoid am...
by JupiterJones
Thu Sep 20, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10147

Re: Side Hustle Options/Suggestions.

You have infants at home and your going to spend your precious sleep time working minimum wage jobs.??? If you really need the money, spend the time on night classes, get a graduate degree and earn a promotion in your day job. You have a degree and a skilled profession, Don’t give up precious irrep...
by JupiterJones
Thu Sep 20, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7476

Re: Amazon Prime - Value?

I know that the plural of "anecdote" is not "data", but... I ordered a Prime-eligible item from Amazon this past Monday at about 6:30 in the evening. Cost me a whopping $6.02. It shipped from an Amazon warehouse in Texas, and routed through the UPS hub in Louisville. It was waiting for me yesterday ...
by JupiterJones
Thu Sep 13, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7476

Re: Amazon Prime - Value?

Additional benefits we get I forgot to mention: 1) As someone stated above - 5% purchases with the prime-credit-card. To be fair, if you use the Prime Credit Card but don't actually subscribe to Prime, you still get 3% cash-back on Amazon and Whole Foods purchases. So the Prime subscription benefit...
by JupiterJones
Tue Sep 11, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: [A Boglehead explains the simplest way to manage your money - alternative viewpoint]
Replies: 45
Views: 4756

Re: A Boglehead explains the simplest way to manage your money

Earl Lemongrab wrote:
Tue Sep 11, 2018 12:51 pm
I've never bought into the simplicity mantra. Modern tools allow managing more complex portfolios easily.
And a hammer makes driving a nail easy too. That doesn't mean there's no reason to ever use thumbtacks.
by JupiterJones
Mon Sep 10, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Singing/Voice Classes
Replies: 20
Views: 1367

Re: Singing/Voice Classes

I took some singing lessons back in the day. Don't remember what they cost, and it was so long ago that it would be useful even if I did remember.

But they were helpful, if only to ground myself on a few fundamentals (breathing, etc.)
by JupiterJones
Mon Sep 10, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Side Hustle Options/Suggestions.
Replies: 99
Views: 10147

Re: Side Hustle Options/Suggestions.

Yeah, I have a feeling that a lot of the side-hustles that require using your car don't really wind up being that profitable once you factor in gas, depreciation, etc. On the other hand, having an older car can be an advantage for the delivery gigs, since the depreciation due to the additional milea...
by JupiterJones
Mon Sep 10, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7476

Re: Amazon Prime - Value?

I don't really have Prime for the faster free shipping anyway. It's a nice perk, but I was fine with just using Super Saver shipping before. Mostly I derive value from Prime Video and (with the Prime credit card) the extra cashback for Whole Foods and Amazon purchases. I'll take advantage of Prime R...
by JupiterJones
Thu Aug 30, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8489

Re: Mega Downsize....

i<3Investing wrote:
Tue Aug 28, 2018 2:34 pm
I read Marie Kondo's book, "the life changing magic of tidying up". It was a great motivator.
^^^ This
by JupiterJones
Wed Aug 29, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Native German speakers: need help with translation.
Replies: 17
Views: 2010

Re: Native German speakers: need help with translation.

and frei is used for vacant (literally "free"). Specifically, free as in freedom, not free as in beer. :D Like many (most?) other languages, German has different words ( frei and kostenlos ) for the two concepts that we just use a single word--free--for in English. Something to be very careful abou...
by JupiterJones
Thu Aug 02, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3767

Re: New job commute

It pays $100,000, similar job near me would pay about $70,000. So that's a big cut. I would absolutely drop from $100,000 to $70,000 in order to lose a 3-hour commute. You only get so many hours in your life. And only so many hours on this earth with your spouse and kids. Then there's the financial...
by JupiterJones
Tue Jul 24, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Cheaper alternatives to Broadway shows?
Replies: 25
Views: 932

Re: Cheaper alternatives to Broadway shows?

Your local repertory or community theater (if you have one) can be a good, inexpensive option.
by JupiterJones
Mon Jul 23, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to change one's career in their 40s?
Replies: 88
Views: 8170

Re: Is it possible to change one's career in their 40s?

CobraKai wrote:
Mon Jul 23, 2018 11:40 am
What company wants to hire a 40 something entry level worker?
Mine would.

What HR dept wouldn't love to fill an entry-level position with someone who is A) qualified, B) eager, and who has C) a track record of previous employment that shows a level of maturity and proven-solid work ethic?
by JupiterJones
Mon Jul 23, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 3064

Re: Mother-in-Law criticizing my wife over our recent house purchase

I can't believe anyone sees 2100 sq feet as small. I have a 2100 sq foot house and I have the BIG house of the family. My FIL tried to talk us out of buying it- he thought we should by a starter home. Size is relative I guess. I really can’t agree more, 2100 sounds like an average square foot home....
by JupiterJones
Fri Jul 20, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4568

Re: Have you ever purchased a pricy musical instrument?

scottgekko wrote:
Fri Jul 20, 2018 1:04 pm
Back in college I purchased an ice blue American Vintage re-issue '62 Fender Jaguar for about $1400. [...] I guess if I'm ever in dire straits it'll be handy to offload it for about $1600.
If you do ever find yourself in Dire Straits, you'll probably need all your guitars. :D
by JupiterJones
Thu Jul 19, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Credit Card Q
Replies: 7
Views: 934

Re: Amazon Prime Credit Card Q

I let my cash-back build a bit and then use it to pay off a hefty chunk of some month's balance. No sense getting it in actual cash in your checking account if you're just going to turn around and make a payment on the card out of that checking account anyway. (BTW, I recommend that you don't use th...
by JupiterJones
Wed Jul 18, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3357

Re: suit shoe combo?

Eh....that style shoe is not right even for the sneaker/suit look. It would look like you just don't have a pair of dress shoes, not that you tried to be goofy or trendy. Grab a pair of red converse Chuck Taylor's and you have a winner.... Yup. If it's good enough for the 10th Doctor, it's good eno...
by JupiterJones
Wed Jul 18, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4568

Re: Have you ever purchased a pricy musical instrument?

TheAccountant wrote:
Wed Jul 18, 2018 9:48 am
Phil Rudd's drumset.
Seriously? That's pretty cool.
by JupiterJones
Wed Jul 18, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1199

Re: Another student loan question

Dave Ramsey. Sell the car and get a cheaper one. Claiming you need a reliable car thus require car payments is hog wash. Yup. I've driven plenty of very reliable cars in my life, and they were all A) used and B) paid for. For that matter, I know people with loans on new cars that have given them no...
by JupiterJones
Mon Jul 16, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4568

Re: Have you ever purchased a pricy musical instrument?

My wife and I, both musicians (she's a violinist in fact), have purchased several instruments in the $3,500 - $6,000 range. These aren't collectors items, although some of them may appreciate or hold their value at least. In any case, we bought them to play, so that's the main goal. Yes, you can spe...
by JupiterJones
Tue Jul 10, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5109

Re: bike helmets

If the odds of an incidence is 1:1 million when a cyclist crosses any intersection with a signal light, how many accidents would you expect with 1 million rider miles? That might have been a rhetorical question, but if you do assume an average 100 signal lights per 20 miles (seems high, but let's g...
by JupiterJones
Mon Jul 09, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5109

Re: bike helmets

But then I also grew up in the era of kids being able to ride bikes to school or wherever they wanted, Same here. And not only did we not wear helmets, I don't think we even knew where to get them if we wanted one. Maybe mail-order or something? There just wasn't a perception that bicycling was som...
by JupiterJones
Mon Jul 09, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1176

Re: New ladies bike: recommendations

If you have an REI near you, go check them out. They have good, reasonably-priced bikes, and they know how to set them up correctly.
by JupiterJones
Thu Jul 05, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5109

Re: bike helmets

Ive biked in Copenhagen, we have many of the same features, but Copenhagen has probably 100x the protected bike Lanes. It would be nice if all streets had a protected bike lane... But I don't see that ever happening in any US city. Land of the cager. Maybe. But in my earlier post, I mentioned that ...
by JupiterJones
Thu Jul 05, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5109

Re: bike helmets

Hifive, Excellent first post! :beer Agreed. A high-five for Hifive! :sharebeer And may I say how impressed overall I am with this thread. For the most part it's civil, factual, rational... all the things that internet "helmet threads" tend not to be (see the never-ending helmet sticky on BikeForums...
by JupiterJones
Tue Jul 03, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5109

Re: bike helmets

Not only do I wear my helmet when biking I added this product to provide protection from the sun, works well. It fits on most helmets, very popular in Phoenix. http://www.dabrim.com/html/products/cycling/classic.htm That is the dumbest-looking thing I've ever seen. ...and I kind of want one. :D
by JupiterJones
Mon Jul 02, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: bike helmets
Replies: 82
Views: 5109

Re: bike helmets

Not wearing a helmet while bicycling is stupid. Why? Most arguments are based on the following logic: There is a non-zero chance that you could have a crash while on your bicycle. If you have a crash, there is a non-zero chance that you could hit your head as a result of it. If you hit your head, t...
by JupiterJones
Wed Jun 27, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: MBA Options
Replies: 46
Views: 4515

Re: MBA Options

Part of the value of the MBA is perception, and I'm sure there are people (like me) that would look at an online university that I'd never heard of and generally dismiss its value - whether that is fair or not. There are those people, but fewer and fewer as time goes on and the "old guard" retires....
by JupiterJones
Tue Jun 26, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5565

Re: I've been swindled!

1 month ago I sent $2000 via wire transfer to a legit looking company in Dallas The fact that they had you pay them via wire transfer makes me wonder... Are you sure there really is a company in Dallas? It it's some scammer who set up a fake business with a fake website, etc., then they could be an...
by JupiterJones
Thu Jun 21, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1537

Re: How to evaluate charities to donate to?

Of course, another option to consider is giving some or all of your philanthropic contributions not to charitable organizations, but to people. Help out those in need directly. Zero overhead that way. Obviously you would forgo the tax deduction. But if you're like me, after the recent tax law change...
by JupiterJones
Wed Jun 20, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: How to evaluate charities to donate to?
Replies: 36
Views: 1537

Re: How to evaluate charities to donate to?

There's one school of philanthropic thought called "effective altruism" that takes into account getting the maximum good (lives saved, diseases prevented/cured etc.) per dollar given. It understandably requires that the organizations take a very scientific, evidence-based approach to their work, and...
by JupiterJones
Tue May 29, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 31665

Re: The Side Hustle

There have been a few threads on this over the past couple of years. Here are some of them: https://www.bogleheads.org/forum/viewtopic.php?t=175264 https://www.bogleheads.org/forum/viewtopic.php?t=200656 As I mentioned in one of those, I do some music-related stuff on the side. Teaching, arranging, ...
by JupiterJones
Tue May 22, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6681

Re: How have you upgraded your wardrobe?

Jack FFR1846 wrote:
Tue May 22, 2018 9:07 am
I go by the old mantra.....wear what your boss's boss wears.
Not sure I'd be able to pull off a skirt and blouse.

I've also heard you should dress for the job you want, not the job you have. Anyone know where I can find a spacesuit? :P
by JupiterJones
Mon May 21, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 9987

Re: Dave Ramsey it or keep low interest debt

$500/yr is a 0.1% fee discount on a $500k portfolio. Is it worth opening a Vanguard account and moving your half-a-million into low-cost index funds to save that much? Is that somehow more worthwhile than the cheap car loans? Maybe to some. Maybe not to others. (Especially when there are small non-...
by JupiterJones
Mon May 21, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 134
Views: 9987

Re: Dave Ramsey it or keep low interest debt

Yes, mathematically (and ignoring any cash-flow considerations) you would be better off having the money in an essentially risk-free investment that pays more than your loans' interest rates. But better off by how much ? Your 58K in vehicle debt is costing you about $700 a year right now (obviously ...
by JupiterJones
Fri May 18, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Renting storage unit
Replies: 24
Views: 2027

Re: Renting storage unit

Yes, for short-term use (when you're remodeling, etc.), storage sheds can be very useful. But long term it gets expensive, and the silliness of paying that much money for a place to put things that you have so little use for that you don't even need to keep them in your own house soon becomes appare...
by JupiterJones
Tue May 08, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1285

Re: annualcreditreport

I put reminders on my calendar. Each of the three in rotation, scheduled about 4 months apart.

Once I check one (just did Experian last week, for example), I'll schedule my next check with that bureau for the same date next year, plus one day.
by JupiterJones
Fri May 04, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 3125

Re: My first week of cycling in Slovenia and Croatia

Great report. Thanks for posting!
by JupiterJones
Thu May 03, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9342

Re: Bucket List Adventures/Activities

For some reason I think it'd be cool to travel somewhere by cargo ship. Especially if the ship's route crosses the equator, so I can cross two things off my list at once. :D
by JupiterJones
Thu May 03, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan or dip into emergency fund?
Replies: 48
Views: 3730

Re: Auto loan or dip into emergency fund?

The OP has already resolved this, but here are my thoughts. There are many ways to do this. The obvious one is to have money in the bank for when you need a new car. I'm taking a different approach. I probably have more money in the bank than I need since my job is unlikely to go away. My plan when...
by JupiterJones
Fri Apr 27, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 12105

Re: Amazon to raise Prime membership in US to $119 from $99

So that's another $1.67 a month?

I'll probably cover that with the cash-back I recently started getting at Whole Foods when I use my Amazon Prime card. Should be essentially a wash when all is said an done.