Search found 245 matches

by MDfive21
Wed Dec 13, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2231

Re: Concert Decision and Advice

you must go. if you don't you'll always regret that one time you didn't go when you had a chance to see them in a small venue, or before they broke up, or before they sold out, or that one member quit and they sucked after that.. you get the idea. i've been to a ton of shows and the best ones were b...
by MDfive21
Fri Dec 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quit jobs to gain lower EFC [Expected Family Contribution]
Replies: 89
Views: 5860

Re: Quit jobs to gain lower EFC

the better financial option is for your kids to marry someone before they start college..


marry?
by MDfive21
Fri Dec 08, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Please suggest a dry hands product
Replies: 82
Views: 3463

Re: Please suggest a dry hands product

Burt's Bees | Lemon Butter Cuticle Cream
Neutrogena Norwegian Formula Hand Cream
Burt's Bees | Shea Butter Hand Repair Cream

i've used all of these and seen major improvement with each.
by MDfive21
Fri Nov 03, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3440

Re: Help me understand the Used Car Dealership perspective

this will get their attention.. walk in with a bank issued cashier's check for the amount you're willing to pay all-in. tell your salesperson to take the check to his manager. you say 'this is what i'm willing to pay right now including all fees and taxes. i don't care how your finance guy gets to t...
by MDfive21
Fri Oct 27, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4305

Re: How to get over the fear of traveling without spouse and children?

take a class in statistics and find out your actual probability of death?
by MDfive21
Tue Oct 17, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Roofer stopped showing up - what are my options?
Replies: 22
Views: 3795

Re: Roofer stopped showing up - what are my options?

in your case, i would immediately hire a licensed bonded insured contractor who specializes in roofing to finish the job. i might go so far as to have the new contractor remove any work previously done because i don't know how the handyman did. if the handyman contacts you, tell him you found someon...
by MDfive21
Thu Oct 12, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 5339

Re: Is there boglehead consensus on buying a car?

10 yr old lexus with less than 80k miles.
by MDfive21
Thu Oct 05, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15544

Re: MoviePass-Too good to be true, but it's legit.

isn't the end-game for a lot of these services acquisition? get it going then sell themselves to amc, cinemark etc. or they end up running the back end tech for a major brand's all-you-can-watch service. plus maybe they keep the rights to sell user data to keep their own pockets full.
by MDfive21
Thu Sep 21, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 3148

Re: Should I even bother with buying a school picture?

we just buy the cheapest 5x7 package they have and scan/archive it. if this is your first kid and you don't have the kinder pics 10, 20, 30 years from now you will regret it. just get it, knowing that school pics are not olan-mills and have a laugh. one of our favorites is the one where my then pre-...
by MDfive21
Thu Sep 14, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3505

Re: New Mobile Phone number - Now hounded by Collection Agencies

Isn't there some way to collect money from collection agencies who call you insistently? yes, if you want a hobby that will pay you back, check out debtorboards.com. yes that's a real site (the bogleheads of suing CAs) and they focus on extracting cash from lazy or malignant collectors. you may hav...
by MDfive21
Wed Aug 23, 2017 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with trust / spendthrift in-law
Replies: 24
Views: 3679

Re: Help with trust / spendthrift in-law

structure it as a one time lump sum (say 15%) that grantor would not mind seeing spent down on 'frivolous' items or vacations, then a restrictive trust (remaining 85%) that allows for disbursement in specific cases for a cooling off period of 5 years or thereabout, then full access after 10 years. t...
by MDfive21
Mon Aug 21, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 3445

Re: "Structured" Flip Flops, Slides

anything by merrell is made to fit your foot shape. i have some with a leather band over the top of the foot. they're $90 but i've been giving them use for 2-3 years now. so long i can't remember what year i bought them. similar to these.. http://m.zappos.com/p/merrell-terrant-slide-brindle/product/...
by MDfive21
Mon Aug 14, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 18
Views: 2184

Re: What percent credit utilization is best?

from what i've read at creditboards where some of the members have field tested this, it's to have only one card reporting a small balance of 1% to 8% and all other cards $0.00.
by MDfive21
Mon Aug 07, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 39
Views: 4730

Re: Love your family car? Under $16,000? Please share!

find a 10 year old lexus with less than 80k miles on it and no more than 1 owner. the people who buy and hold lexus vehicles for 10 years are the type of people who can spend a lot of money on a car, and they generally treat their cars with great care. ie older, gentler drivers; wealthier, able to p...
by MDfive21
Mon Jul 31, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Toyota Marketing Fund
Replies: 10
Views: 1152

Re: Toyota Marketing Fund

the way to get around these silly named fees is to give the dealer your final sale price and give them a line like this.. 'i don't care how your finance guy gets to this number, but $xx,xxx.xx is what i will pay for this car, not a penny more. if it's not enough then i'll be on my way.' and let them...
by MDfive21
Tue Jul 25, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: 0 Percent CC - how to take advantage
Replies: 24
Views: 1993

Re: 0 Percent CC - how to take advantage

OP, two terms you should know and google. 1. interest rate arbitrage 2. manufactured spend unfortunately with interest rates as low as they are, the arbitrage is not profitable enough to be worth the risk, time and effort involved in making it work. most current manufactured spend opportunities are ...
by MDfive21
Fri Jun 23, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: What do you say when you cancel an account that you only opened for bonus?
Replies: 64
Views: 5659

Re: What do you say when you cancel an account that you only opened for bonus?

i just tell them 'it turns out i'm not using it as much as i expected to' and that is almost always good enough.

the rep that handles these things just needs a short reason to put in their cancellation form, and to make sure the bank didn't do anything egregious to make you want to leave them.
by MDfive21
Wed Jun 21, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 4153

Re: Liability with dogs, hypothetical

OP if you're wondering what breed mix you have, i recommend the wisdom panel. it put a lot of speculation to rest when we adopted a pair of little mutts. i was certain they were swiss mountain dogs mixed with something smaller, but it turns out they were a chow/husky/lab and shetland sheepdog mix. ...
by MDfive21
Tue Jun 20, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 4153

Re: Liability with dogs, hypothetical

OP if you're wondering what breed mix you have, i recommend the wisdom panel. it put a lot of speculation to rest when we adopted a pair of little mutts. i was certain they were swiss mountain dogs mixed with something smaller, but it turns out they were a chow/husky/lab and shetland sheepdog mix. y...
by MDfive21
Mon Jun 19, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7245

Re: So sick of it! [Paying off student loans]

pay half of it off and refi the remaining $50k to a $1k/month payment?

this leaves you with $85k liquid, and further option to accelerate payment.
by MDfive21
Thu Jun 15, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 4887

Re: Suit for [medical] residency interviews

i've found this page invaluable in choosing a suit recently.
http://www.businessinsider.com/the-gold ... man-2016-2

also check out the bh thread here on where/how to buy a suit.
viewtopic.php?f=11&t=219646
by MDfive21
Thu Jun 15, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 3436

Re: 2004 LEXUS RX 330

what is the interest rate on the loan? if it's less than ~2% don't pay it off early. that's cheap money.
by MDfive21
Thu Jun 15, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 3436

Re: 2004 LEXUS RX 330

a 2004 lexus is too new ;)

i have a 1997 es300 and love it.
by MDfive21
Mon Jun 12, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to prepay a Navient loan payment?
Replies: 10
Views: 1445

Re: Is it safe to prepay a Navient loan payment?

I have found sallie mae/navient easy to deal with once i found out who to talk to. the first line customer service is pretty bad, but if you find yourself needing advanced service, send a paper letter to the office of the customer advocate. be sure to give them a good, current phone number because a...
by MDfive21
Thu Jun 08, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: HDHP/HSA or HMO/FSA
Replies: 10
Views: 882

Re: HDHP/HSA or HMO/FSA

be sure to factor in the FSA's pre payroll tax status. HSA only avoids income tax, but FSA gives you the added bonus of not paying payroll taxes.
by MDfive21
Wed Jun 07, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 7337

Re: Housing is too expensive.

regarding the timing of your move: whatever you decide, be sure to find out when your first kid must register and enroll in the good elementary school to be guaranteed a spot. in my area the elementary school fills up with kids zoned to it and it's first come, first enrolled. if they don't get in ea...
by MDfive21
Thu Jun 01, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 12458

Re: Suits: best bang for your buck?

For the Suit Supply fans out there, would this hold true even if there is not a retail location near me? My thought is that I might wander into a Jos. Bank store this weekend, make sure my fit is still the same, check out their suit quality, see if I should get a "slim" or "tailored" fit (I still d...
by MDfive21
Thu Jun 01, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 11907

Re: Play Money for Spouse....

I am sorry you are in such a difficult situation. And I know you are dying for marital advice from strangers on the Internet. But are you sure you want there to be a long term with your wife? I know they are sometimes important reasons to stay in the shorter term -- children being the most obvious....
by MDfive21
Wed May 31, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 11907

Re: Play Money for Spouse....

1. OP's wife not 'asking for an allowance'. she's asking 'how much can i reasonably spend without torpedoing our financial plans?' there's a big difference between the two. 2. not everyone lives in lake boglebegone where all the earners make 400% of the national median, and all the stay-at-homes are...
by MDfive21
Fri May 26, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 23
Views: 3254

Re: Cheap gym shirts w/ certain materials

adidas ultimate tee is mostly cotton with some synthetic.
$20 at academy.
by MDfive21
Fri May 26, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 12458

Re: Suits: best bang for your buck?

after a long look at jos a bank, i bought a great suit at suitsupply recently and the experience start to finish was great for someone who doesn't like to shop. even on the high end suits, the material at jos a bank was an order of magnitude lower in quality than suitsupply. off the rack the ss suit...
by MDfive21
Tue May 23, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to pay off student loans
Replies: 26
Views: 3403

Re: Trying to pay off student loans

OP, have your girlfriend send a paper letter to the office of the customer advocate. make sure she gives them a good, current phone number because as soon as she is assigned an advocate, that advocate will call her to work through the problem. if she does not pick up, it will be another couple to fe...
by MDfive21
Tue Apr 04, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Moving/bending a King Size Mattress
Replies: 15
Views: 1801

Re: Moving/bending a King Size Mattress

we bent a king mattress to get it into our last townhome. it was never the same after that so we went with two queens pushed together. i would not consider bending another mattress.
by MDfive21
Wed Mar 22, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7899

Re: How did graduating out of daycare impact your finances?

we paid 800-850/mo for montessori.. that's 9600-10,200/yr. after school and summer camps are running around 3500/yr but we don't need after care every day. that was for 3 days of after care. plus we could shave off some cost by doing ymca only in the summer for 200/wk but we send her to other camps ...
by MDfive21
Wed Mar 22, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7899

Re: How did graduating out of daycare impact your finances?

He's always been a renter so I explain that most of it is paid by property owners and not him. We pay substantial property taxes as well for our son's free public school. renters pay school tax just as owners do, albeit indirectly. we pay rent to the owner who i'm sure bakes the property taxes into...
by MDfive21
Mon Mar 20, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 5257

Re: Collection Agency - Are you kidding?

for collections info see creditboards.com

if you want to go on the offensive and sue them, see debtorboards.com
by MDfive21
Wed Mar 08, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 5797

Re: Where to buy rare steaks?

whole foods has never disappointed me.

don't buy anything that's been frozen or individually vacuum packed. both processes kill the texture.
by MDfive21
Sat Mar 04, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3722

Re: Credit Card Debt Question (Separation)

i really want the piece of mind being debt free. at that point i would only have a year left on my car payment and i'd be 100% debt-free. . do it. you're about to have a major reset to your life. you need to be financially ready to pay child support and have your own living situation ready for visi...
by MDfive21
Sat Mar 04, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3722

Re: Credit Card Debt Question (Separation)

and if i took her off as an authorized user, wouldn't that look bad to a judge if i were to try and get her to assume some of that debt come divorce time? ask your atty, but i doubt it would matter. the accounts are in your name only, to do with as you please. you are protecting yourself. don't rel...
by MDfive21
Thu Mar 02, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3722

Re: Credit Card Debt Question (Separation)

...even in common law states, the debt may be split depending on what it was for and whether both spouses benefited from it. This is a common misconception... a court cannot "split" a debt that one person owes among other people. For example, if the husband is the primary cardholder on a ...
by MDfive21
Wed Mar 01, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3722

Re: Credit Card Debt Question (Separation)

I know credit cards are assumed debt for each of us... This is not necessarily true. It depends on whether the cards are joint or individual. You can have an individual card with your spouse as an authorized user, in which case your spouse is not legallly responsible for the debt. Or you can have a...
by MDfive21
Fri Feb 24, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card: Cash versus Flight Miles
Replies: 62
Views: 6175

Re: Credit card: Cash versus Flight Miles

why pick cash or miles/points? do both!

see also flyertalk
by MDfive21
Fri Feb 24, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt Question (Separation)
Replies: 36
Views: 3722

Re: Credit Card Debt Question (Separation)

i would work from the assumption that she will not pay a dime toward any credit card, and consider it my problem alone to solve. this is probably not what most bogleheads would recommend, but if your income is $60k (pretax?) and your debt load is 50% of that at a combined interest rate of ~17.5% you...
by MDfive21
Mon Feb 13, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is 130k a good salary in IT?.
Replies: 40
Views: 7604

Re: Is 130k a good salary in IT?.

also by OP.. viewtopic.php?f=2&t=206290

quite enlightening.
by MDfive21
Mon Jan 30, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: seeking advice - need to advise newly widowed mother in deep debt
Replies: 46
Views: 4655

Re: seeking advice - need to advise newly widowed mother in deep debt

jbird11 wrote:This is simple right? Getting $110K, owe $72.5K? Leaves her $37.5K plus the $10K savings and $55k/year of income on a pension?

Pay the debt and get her on a budget that makes sense.


agreed and i would probably even keep the nice car, loan free.
by MDfive21
Thu Jan 19, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Let's say you are dying this year
Replies: 48
Views: 8629

Re: Let's say you are dying this year

regarding the miles: it is possible to sell your miles to third parties, usually travel agents, who will usually pay $.01/mile or a little more. a quick google search brings up several, or you can search the flyertalk forum. unfortunately most miles brokers stay away from AA miles for reasons i've n...
by MDfive21
Tue Jan 17, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2871

Re: Savings rate after becoming father

children can be as cheap or expensive as you make them. you can have a homebirth for less than 1K or pay a hospital 5-10k for the privilege of hosting your baby's birth. you can buy one set of used cloth diapers for a hundred bucks or pay amazon 50/month for diapers. hand-me-downs vs Baby Gap. craig...
by MDfive21
Mon Jan 09, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Ways to charge money on Credit Card
Replies: 21
Views: 2428

Re: Ways to charge money on Credit Card

try the flyertalk manufactured spend forum. it would take decades to read the stockpile of MS info there.
by MDfive21
Fri Dec 23, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 17506

Re: How old is your vehicle?

1997 ES300 bought 2 years ago with about 65k on the odometer. i only put 6-7000 miles on my cars each year so i expect to hand this car down to my daughter when she is ready to drive in 2025. Are you serious about passing what will be a 30 year old car to a new driver? half serious. we'll see how i...
by MDfive21
Fri Dec 23, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Got an unexpected tax collections notice...
Replies: 24
Views: 4279

Re: Got an unexpected tax collections notice...

OP there's a specific way of going about this. step one is the debt validation letter (DV). please go to creditboards.com (CB) for advice on this topic because they are the gurus of debt collection, just like bogleheads are the gurus of index investing. two very different skill sets and you wouldn't...