Search found 1020 matches

by ClevrChico
Sun Dec 10, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 174
Views: 12696

Re: Save all this money, what do you splurge on?

I take an extra week of unpaid time off every year. I occasionally splurge on pricey take out food on Friday's. And, the biggest splurge is spoiling the kids.
by ClevrChico
Sat Dec 09, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: 2000-09 worst decade for large cap stocks in 109 years
Replies: 44
Views: 3092

Re: 2000-09 worst decade for large cap stocks in 109 years

Makes sense. I worked with someone fairly young that went to 100% stable value in their 401k after seeing negative returns year after year during this time period. Their AA will always likely be stable value. :shock:
by ClevrChico
Fri Dec 08, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money
Replies: 76
Views: 6475

Re: 33 years old, 13 years IT experience, currently make 63k a year. I need advice to start making more money

It sounds like you're most likely doing legacy work (general IT) for a sector that doesn't pay their people highly (MSP). You're working for a middleman that competes in price, so it's never going to be lucrative. $63k is not bad at all, though. Great money in tech ($100k+) requires specialization a...
by ClevrChico
Thu Dec 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 54
Views: 3604

Re: Should I file taxes w/o her?

Does your spouse need to increase their withholding possibly? Is that the problem?
by ClevrChico
Thu Dec 07, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7369

Re: At what age your investments start making more money than you?

At age 40, comparing net W2 income to net investment income. (If that's fair.)

Another fun exercise is to compute fractions of a McDonald's franchise that investments make.
by ClevrChico
Wed Dec 06, 2017 11:18 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4908

Re: I received a speeding ticket via mail from IA - should I pay it?

If you're an Iowa resident, they can withhold your state income tax refund. Beyond that, possibly nothing since it's a civil infraction?
by ClevrChico
Tue Dec 05, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7067

Re: Lowering My Grocery Bill

Going on a diet seriously cut down on my food consumption. (Seriously) Taking advantage of employer provided meals is another option. Otherwise, $500/month sounds pretty good.
by ClevrChico
Sat Dec 02, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to exit muni bonds now?
Replies: 8
Views: 1032

Re: Any reason not to exit muni bonds now?

I am very curious what your current marginal tax rate is now and what you expect it to be. Current: Fed (28%) State (8.9%) Future: Fed (25%) State (8.9%) I'm considering moving from Vanguard Inter-Term Tax-Exempt Adm (VWIUX) > Vanguard Inter-Term Bond Index Adm (VBILX). VBILX has 52.2% of bonds in ...
by ClevrChico
Sat Dec 02, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to exit muni bonds now?
Replies: 8
Views: 1032

Any reason not to exit muni bonds now?

Crunching the numbers in a spreadsheet, my personal tax situation will make muni bonds the non-optimal choice with the tax bill that just passed. Calculating state & federal income tax, non-muni bonds will net 3.5% more dividends annually for me at current yields after my tax bracket drops. (That is...
by ClevrChico
Fri Dec 01, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 7744

Re: The College Bubble - investment opportunities after the collapse?

Possibly find a way to invest an online education company. I was very impressed with A Cloud Guru: https://www.crunchbase.com/organization/a-cloud-guru Online education seems to be great for continuing education. I like it because it saves a day of traveling to/from. You do miss out on the networkin...
by ClevrChico
Fri Dec 01, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10387

Re: Price of haircut?

$10 @ Great Clips w/ megacorp discount + $5 tip

I love their online reservation system and queue management.

The good barbers here have a two hour wait and no queue management, so it's a disaster unless you have a lot of time to sit.
by ClevrChico
Wed Nov 29, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 9652

Re: Which crash have you seen it before it is coming?

I've predicted two failures on our German car to the day. (Dead battery and coolant leak.) I dreamed of one of them, then went to the garage to find a puddle on the floor.

Unfortunately I have no way of monetizing this.

(Off-topic, but you said entertainment. :-) )
by ClevrChico
Mon Nov 27, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I afford a $1,400,000 house
Replies: 93
Views: 8620

Re: Can I afford a $1,400,000 house

I wouldn't buy a house until kids arrived and the current residence couldn't accommodate everyone. (No matter how unique it is.)
by ClevrChico
Mon Nov 27, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: VW passat engine light is on
Replies: 8
Views: 587

Re: VW passat engine light is on

I had good luck getting a VW code scanned at Autozone, ignoring Autozone employee's advice (new radiator), and searching the ODB2 code on a VW forum which indicated correctly that the thermostat failed.
by ClevrChico
Mon Nov 27, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8358

Re: Growing Number of Electric Vehicles

I think the typical use case would be people driving short distances with a daily top up charge. Or, they could do a full charge from empty about as often as they would get gas. I don't think it would be as bad as thousands of air conditioners running constantly for hours/days.
by ClevrChico
Sun Nov 26, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 3469

Re: Let Go by MegaCorp - Lots of options

If the severance is conditional, you may still be able to claim unemployment. (It technically may not be severance at that point.) That's something you may want to check into.
by ClevrChico
Sun Nov 26, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10737

Re: Didn't buy Bitcoin at $4600

I'm reading about low income folks buying in now to get rich. That's a big red flag for me. I don’t think many on here believe it’s not a bubble. You can still make money in a bubble but you gotta know when to sell. As we all know, that’s impossible. Yes, I agree. I follow bitcoin news closely, as ...
by ClevrChico
Sun Nov 26, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10737

Re: Didn't buy Bitcoin at $4600

I'm reading about low income folks buying in now to get rich. That's a big red flag for me.

I'd much rather put $10k into an index fund.
by ClevrChico
Fri Nov 24, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: I bought Vanguard Index Funds to get the black friday shopping out of my system
Replies: 17
Views: 1440

Re: I bought Vanguard Index Funds to get the black friday shopping out of my system

Same. Today was payday, so I did a quick calculation with the "Optimal lazy portfolio rebalancing calculator", and invested in a Vanguard index fund. It was also a holiday + Thanksgiving leftovers, so it was a pretty great day. 20+ degrees above normal for November was nice too. I didn't step foot i...
by ClevrChico
Fri Nov 24, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Solid Surface Shower Walls and Pan
Replies: 11
Views: 1821

Re: Solid Surface Shower Walls and Pan

Anyone have success with remodeling their shower with solid surface walls and pan? Any thoughts or suggestions would be appreciated. Also, can a frame-less glass door and or wall be used? I'm looking to have solid walls on 2 sides, and a half with glass on the 3rd. We have solid surface shower wall...
by ClevrChico
Fri Nov 24, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it possible to negotiate a layoff?
Replies: 22
Views: 2267

Re: Is it possible to negotiate a layoff?

Yes, it is possible. I've seen it done. It's generally a win-win for everyone, and it can't hurt to ask.
by ClevrChico
Fri Nov 24, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 4235

Re: Public or Montessori Private School

Your kid is bright, self motivated, and has engaged parents. She will do fine at any school. Personally, I’d start with the public school. If a problem develops, reevaluate at that point. +1 This was our decision too. After hours of discussion, we came to the decision to not move, and enroll in the...
by ClevrChico
Thu Nov 23, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8887

Re: Tesla truck unveil

This is pretty exciting. My city, like a lot of cities, is ringed by interstates and cut in two by a freeway. At rush hour, its stacked bumper to bumper with trucks and cars. The move from diesel to electric trucks would nearly eliminate pollution and noise. (I understand there would still be tire n...
by ClevrChico
Wed Nov 22, 2017 11:18 pm
Forum: Investing - Theory, News & General
Topic: Buying and Spending Bitcoin
Replies: 101
Views: 11333

Re: Buying and Spending Bitcoin

This was a very interesting post. I think ACH has bitcoin beat right now for easy funds transfers. :-)
by ClevrChico
Wed Nov 22, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 34
Views: 2184

Re: How difficult and expensive to add a new bathroom?

We looked into having a bath installed in the basement, but couldn't find a contractor that was interested. We decided it would probably be cost effective to simply buy a house with the additional bath, than to have one installed here.
by ClevrChico
Tue Nov 21, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1117

Re: Daycare Parting Gift

We give the daycare teachers upscale snacks/candies around the holidays. It seems to always be a hit.
by ClevrChico
Fri Nov 17, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: My dad's army jacket
Replies: 70
Views: 5145

Re: My dad's army jacket

My dad was wearing an outdoor surplus camo jacket while doing outdoor labor. Not a uniform, just the jacket. It was sterile, except for two black pins that were left on it from the seller, and it was barely noticeable. A man completely lost his cool and nearly assaulted my dad over it. I think your ...
by ClevrChico
Wed Nov 15, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4807

Re: Fair way to split expenses?

I recommend a free app called SplitWise, which is designed to track this effortlessly. There's no need for a joint account, as you can periodically settle the balance, and record it in the app. Keep it simple. https://www.splitwise.com/ We've used this on road trips with friends, but to use this ev...
by ClevrChico
Wed Nov 15, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 4807

Re: Fair way to split expenses?

I recommend a free app called SplitWise, which is designed to track this effortlessly. There's no need for a joint account, as you can periodically settle the balance, and record it in the app. Keep it simple.

https://www.splitwise.com/
by ClevrChico
Wed Nov 15, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 37
Views: 2226

Re: Office Chair Recommendations (Aeron?)

I love my Aeron chair. As others said, get the right size for you. :-)
by ClevrChico
Tue Nov 14, 2017 10:49 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3848

Re: Michelin or Bridgestone?

I have Michelin Premier, and they are excellent! They are by far my favorite all time tire. The wet weather handling is superb. It made a huge difference with my car. Since I had the new tires installed, I now realize how much wet weather driving I do. Considering I'll have them for years, it's defi...
by ClevrChico
Sun Nov 12, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15272

Re: Why pay cash for a car?

Paying cash makes the transaction simpler, and you can spend your energy getting the best deal. Also, full insurance coverage with low deductibles will likely be required by the lender. If you pay cash, insurance coverage levels are your decision.
by ClevrChico
Sun Nov 12, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 1966

Re: Unnecessary Corporate Meetings

I have a common name, and I was mistakenly invited to a meeting. We gave each other curious looks before meeting, but the meeting started before the mistake was caught. :-) OP, you are not crazy. Maybe meetings are a corporate social event? If it's a way to confirm support of a project, visit, and g...
by ClevrChico
Sat Nov 11, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7869

Re: Do you meditate?

Riding a bike is my form of meditation. Nothing clears my mind like a bike ride.
by ClevrChico
Sat Nov 11, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11169

Re: Tipping for restaurants where you order at the counter

There's a #4 variation which I see at Asian restaurants. - Full service, but PAY at the counter. I give a traditional tip in that situation.

I also typically tip 10% at buffets if the waitstaff was good.

But for counter service? No.
by ClevrChico
Sat Nov 11, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2551

Re: PayPal alternative?

TravelforFun wrote:
Fri Nov 10, 2017 12:38 pm
I use Facebook payments a lot.

TravelforFun
++ Nearly everyone has Facebook and it offers free friend to friend payments.
by ClevrChico
Fri Nov 10, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9407

Re: Thouhgts about wearing a "uniform"/same thing everyday?

I did that as a teenager until parents warned me that kids would make fun of me. I should have stuck to it. My classmates could have cared.
by ClevrChico
Wed Nov 08, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4970

Re: What do you do to keep your mind sharp?

German car repair.
by ClevrChico
Tue Nov 07, 2017 12:58 am
Forum: Personal Consumer Issues
Topic: Furnace Issues
Replies: 30
Views: 1887

Re: Furnace Issues

I had similar issues when the utility company wasn't providing enough voltage to the house. If I was drawing other load in the house, there wouldn't be enough voltage for the igniter to get hot enough. The utility company refused to come to the house without a request from a licensed electrician. Th...
by ClevrChico
Tue Nov 07, 2017 12:25 am
Forum: Investing - Help with Personal Investments
Topic: Anybody using Vanguard Managed Payout?
Replies: 7
Views: 1095

Re: Anybody using Vanguard Managed Payout?

I have an older family member that uses this as their only Vanguard account. Two thirds of their savings is in annuities and very conservative. (Not my decision.) 1/3 is in Vanguard Managed Payout. They have used monthly budgeting their entire life, so it's a great fit. Combine that with the auto pi...
by ClevrChico
Sun Nov 05, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: "Probably the World's Best Investment Forum"
Replies: 34
Views: 4853

Re: "Probably the World's Best Investment Forum"

++ Definitely!

++ Thank you, moderators.
by ClevrChico
Sun Nov 05, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3235

Re: bidets

I recently got a bidet add on from Amazon after reading endorsements on another forum. It's pretty awesome, I have to say. Does anyone else here use one? I got a Luxe Bidet Neo 185, which has male/female nozzles but only cold water. Pretty basic. Wondering what other features other BHs recommend or...
by ClevrChico
Sun Nov 05, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7754

Re: Does Retirement Make You Lazier?

I think it comes down to personal motivation, regardless if you're working full time or not. For me, setting goals and tracking progress is a big help to get out of a lazy routine. (Lose x amount of weight, read y number of books, learn z skill.) There's an entire forum on reddit dedicated to motiva...
by ClevrChico
Sat Nov 04, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: No true pay as you go [cellphone plan]
Replies: 63
Views: 5327

Re: No true pay as you go [cellphone plan]

We're very happy with Tello. No contract and you can mix/match what you want.

We pay $9/month for 500 MB of data. After 500 MB is used up, it goes to free unlimited low speed data. It's fast enough for Google maps and messaging.

$9/month for unlimited data is pretty great.
by ClevrChico
Sat Nov 04, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 4164

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

Car ownership could be disrupted in the future. Will car washes become obsolete?
by ClevrChico
Sat Nov 04, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4750

Re: This is why I'm glad I started investing at 23

I do like parking my humble car in "muscle car row" or "luxury car row" at work and checking out what big money buys. :-) This!! ^^^^ I used to really enjoy parking my 15+ year old small pickup next to the Lexus's and other new vehicles driven by those who worked for me at Megacorp. They thought I ...
by ClevrChico
Sat Nov 04, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4750

Re: This is why I'm glad I started investing at 23

I started inverting early also, but i take s different view. I am sometimes the beneficiary of an unfortunate state in which there are people at work who can't understand the politics or how to support the corporate mission. This way, those of us that understand how to move the company forward, are...
by ClevrChico
Fri Nov 03, 2017 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: This is why I'm glad I started investing at 23
Replies: 27
Views: 4750

Re: This is why I'm glad I started investing at 23

I completely agree. DS and I had this same conversation this week. Putting so much effort into tax inefficient, W2-income when you're already mid-career is a fool's game. Is it worth working 2X or 3X as hard to net an extra $1k/month? (That's about all I could realistically grow my income with reall...
by ClevrChico
Thu Nov 02, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 6119

Re: Mouse In Apartment

A few dollars worth of snap traps has always quickly taken care of the problem for me.