Search found 19 matches

by jjbychko
Thu Aug 27, 2020 7:27 am
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2749

Re: Recommendations for wheat beer

I love a good hefe and often pick a place to eat based on the hefe. My favorites are Franziskaner, Live Oak and Weihenstephan. Also like similar tasting witbier. Hoegaarden was craft before craft became popular. I like mine cloudy unfiltered.
by jjbychko
Wed Jul 15, 2020 8:47 am
Forum: Personal Consumer Issues
Topic: Coffee bean grinder
Replies: 34
Views: 1622

Re: Coffee bean grinder

I was gifted a Baratza Encore burr grinder. I had previously used my magic bullet. I like the burr grinder. Its more consistent, quieter and has continuous adjustment for the grind, although the magic bullet works. I use mine for drip coffee every morning. Its like a hobby and love the smell of fres...
by jjbychko
Fri Jul 03, 2020 6:00 pm
Forum: Personal Investments
Topic: 401 K rollover from Fidelity to Vanguard or Schwab? Looking for advice!
Replies: 19
Views: 1047

Re: 401 K rollover from Fidelity to Vanguard or Schwab? Looking for advice!

I did a Fidelity 401k to a traditional IRA. I also had some post tax contributions in the 401k that I rolled into a Roth. It was all Fidelity to Fidelity. My 401k was at my mega corp. It was all electronic. No paper check. If I had rolled into Vanguard, Fidelity would have sent me a paper check. The...
by jjbychko
Mon Jun 29, 2020 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 155
Views: 14332

Re: Hopeless Civil Engineer

My son also received a BSCE. After graduating from Texas A & M he went to Penn State on a teaching fellowship and received his MSCE. He specialized in structural. He worked about a year or two at a company specializing in blast protection. He was disappointed in the work more than the salary. Felt ...
by jjbychko
Mon Jun 29, 2020 8:30 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 245
Views: 14902

Re: What is the single best piece of exercise equipment you bought for your home?

I bought exercise bands to use at home while my gym was closed. You can buy a set that is stackable. You can easily exercise biceps, triceps, shoulders and legs. That plus body weight exercises like pushups and squats are all you need. If you have a pull up bar even better. And nothing special is ne...
by jjbychko
Mon Jun 29, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 155
Views: 14332

Re: Hopeless Civil Engineer

My son also received a BSCE. After graduating from Texas A & M he went to Penn State on a teaching fellowship and received his MSCE. He specialized in structural. He worked about a year or two at a company specializing in blast protection. He was disappointed in the work more than the salary. Felt t...
by jjbychko
Tue Jun 02, 2020 8:08 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score: Moves back and forth every couple of months
Replies: 34
Views: 2099

Re: FICO Score: Moves back and forth every couple of months

I have experienced the same. Though you pay off every month, there seems to be an impact based on current balance. Current balance impacts % credit used. If you know when they run the credit report you can pay the existing balance early to improve your credit used. I did this before and it has an im...
by jjbychko
Tue Jun 02, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Bicycle Recommendation?
Replies: 49
Views: 4689

Re: Bicycle Recommendation?

If you are handy with some minor assembly consider bikesdirect.com. The bike is shipped 90% assembled. I've been considering a purchase from them. My son purchased from them. Reviews look decent. Prices are fantastic and they have every type of bike. The latest rage are gravel bikes.
by jjbychko
Wed May 27, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: my last chance to use a 401k for mega backdoor roth
Replies: 5
Views: 396

Re: my last chance to use a 401k for mega backdoor roth

I had accumulated post tax money in my 401K after exceeding pre-tax maximums. When I transferred everything to an IRA at retirement, the pre-tax went to traditional, the earnings on post-tax went to traditional, and the post-tax contributions went to a Routh. I couldn't see a downside at all except ...
by jjbychko
Mon May 11, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7224

Re: Has Your Spending Changed Since The Shutdown?

No gym fees 75/month
No cleaning lady 125/month
No eating out 300/month
No haircuts 30/month
Less gasoline 50/month
by jjbychko
Sat May 09, 2020 7:47 pm
Forum: Personal Investments
Topic: Would you go with a bond index fund or a 3% Guaranteed fund?
Replies: 54
Views: 4644

Re: Would you go with a bond index fund or a 3% Guaranteed fund?

I was confronted with the same situation. I retired in 2018. Like you bond yields were anemic in my 401k also at Fidelity and the guaranteed looked good. I just split 50/50 guaranteed total bond index.
by jjbychko
Sat May 02, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5598

Re: Do you keep moving your cash around chasing yield?

I just moved cash from Prime Money Market to Discover savings. I only do this when there is a big difference in interest. Discover is paying at least double what Prime pays. I did the reverse several years ago. I will continue to move money from Prime until I have just a few k left then keep it in D...
by jjbychko
Mon Apr 27, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 31
Views: 1838

Re: DIY Auto Detailing Products

I started doing DIY detailing when I retired. There are several youtube channels that I followed. Here's my list of items: 1. Wax/sealant - Combo of Jescar Power Lock+ followed by Collinite 845 Insulator wax. The Power Lock is a polymer sealant. Collinite is a carnauba wax. 2. Washer - Greenworks 20...
by jjbychko
Fri Apr 17, 2020 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14330

Re: How many paid for kids' college?

Paid all expenses (tuition, room, board, books, transportation) for three at state universities in Texas. Roughly 100k each for four years. Did one 50k 401k loan but probably would not do that again.
by jjbychko
Sat Apr 11, 2020 8:40 am
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 92
Views: 6361

Re: How long after starting investing, did you start to be happy about the power of compounding?

When capital gains, interest and dividends exceeded my 401k and company match contributions.
by jjbychko
Fri Apr 03, 2020 9:03 am
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6390

Re: Should I keep paying fitness center fees while it is closed?

How can they charge you for a service not provided. I belong to Lifetime Fitness. They stopped monthly fees when the gym closed and even prorated the part of March when the gym was closed.
by jjbychko
Sat Dec 15, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Ken Moraif must be getting nervous
Replies: 88
Views: 24769

Re: Ken Moraif must be getting nervous

CP73 - its an infomercial. Often on two radio stations at the same time. And guess who pays for it.
by jjbychko
Mon Dec 26, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Fitness Tracker Recommendation Please
Replies: 9
Views: 1167

Re: Fitness Tracker Recommendation Please

I also have Republic Wireless, Moto X First Gen. I received a Garmin vivoactive HR for Christmas and it works fine with my phones Bluetooth, but I had to download a Garmin app to use the bluetooth.