Search found 780 matches

by poker27
Tue Jun 02, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5785
Views: 493410

Re: U.S. stocks continue to soar!

I find the continued run up unbelievable. I have for a while now, so it shows what I know. The majority of my future $ will be going towards bonds/ mortgage, but that’s the only ‘bet’ I’m making.
by poker27
Tue Jun 02, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Did you see a drop in your expenses in May?
Replies: 12
Views: 728

Re: Did you see a drop in your expenses in May?

Even paying for a couple weekend trips (Airbnb and car rental) my expenses are wayyyy down. We would eat/drink out at a disgustingly high level. My Costco bills have greatly increased tho due to my drinking at home ;)
by poker27
Sat Mar 21, 2020 2:55 pm
Forum: Personal Investments
Topic: A thank you to the “pay down the mortgage” folks...
Replies: 31
Views: 3378

Re: A thank you to the “pay down the mortgage” folks...

I recently was on the fence about liquidating by taxable bonds, and some employer stock to pay off my 2.875% mortgage. My employer stock has been cut in half (oops), however even with the declines value of bonds, I’m happy I did not. I feel much more comfortable having some liquid bonds in my taxabl...
by poker27
Thu Feb 20, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29035

Re: Paying "early" on mortgage may be unwise

I’m in my mid 30s and prepaying on a 2.875% mortgage. Probably not financially wise, but my goal is to be mortgage free by 40. To each their own.
by poker27
Fri Jan 31, 2020 12:00 am
Forum: Personal Consumer Issues
Topic: When do you replace water heater?
Replies: 29
Views: 2402

Re: When do you replace water heater?

I replace at 10 years or when something breaks. Before I bought my house it had 60k in damage because the water heater burst in the attic while the owners were out of town. It was under contract when that happened, but that fell through while they spent 4 months putting the house back together. My ...
by poker27
Sat Jan 25, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10283

Re: What did you do cool with your money today?

Dinner and drinks last night. Think it was about $250.

Probably same thing again tonight. Weekends are expensive, but it gets me through the work week ;)
by poker27
Fri Jan 24, 2020 9:24 am
Forum: Non-US Investing
Topic: How do you ‘manage’ people?
Replies: 8
Views: 944

How do you ‘manage’ people?

I’ve been with my current Fortune 500 tech sales company for about 14 years, the previous 5 as a ‘manager’. I currently have 15 direct reports of various skill levels, ages, and tenure with the company. I’m coming up on 3 years with my current team, and I feel like it has never quite clicked. We hav...
by poker27
Sun Jan 19, 2020 10:16 am
Forum: Personal Investments
Topic: Pay down mortgage or add to taxable account?
Replies: 28
Views: 2180

Re: Pay down mortgage or add to taxable account?

I’ve been asking myself this same question for a while, and my mortgage rate is nearly 1% lower than yours. As of late, I have mostly been paying down my mortgage, with a goal to have it paid off in the next year or so. I get all of the arguments, but holding cash or bonds that pay less than your mo...
by poker27
Sat Jan 18, 2020 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Why retire?
Replies: 267
Views: 16864

Re: Why retire?

I’ve been working professionally for about 14 years, and dread waking up every morning for my commute to the office. Being able to decide when to wake up, how to use my brain power, and do exactly what I want has me yearning to ‘retire’. To each their own
by poker27
Tue Jan 14, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: Chicago 'special occasion' but not 'expense account' restaurant recommendations?
Replies: 54
Views: 3623

Re: Chicago 'special occasion' but not 'expense account' restaurant recommendations?

I think we need some more guidance based on cuisines.

For special occasions, my vote would be for Maple and Ash. Best steakhouse in the city, pasta and sides are stupid good, and the ambiance is one of a kind. Certainly not my kind of weekly place, but great for a special occasion.
by poker27
Mon Dec 30, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Good quality work/ dress shoes?
Replies: 23
Views: 1535

Re: Good quality work/ dress shoes?

I own one pair of manngani, to boot, and Bruno Magli. I probably own 10-15 pairs of Allen Edmonds. Take care of them, and they will last a long time.
by poker27
Thu Dec 26, 2019 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Your Opinion: When to start pay off Mortgage?
Replies: 29
Views: 1741

Re: Your Opinion: When to start pay off Mortgage?

I have a 2.875% mortgage and I recently began contributing to my mortgage vs my taxable. Not really sure why, but my taxable account has risen, and I would like to get rid of the debt. After my mortgage gets down to the amount my bonds portion in my taxable is, I’ll likely pay it off. I would proba...
by poker27
Thu Dec 26, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Your Opinion: When to start pay off Mortgage?
Replies: 29
Views: 1741

Re: Your Opinion: When to start pay off Mortgage?

I have a 2.875% mortgage and I recently began contributing to my mortgage vs my taxable. Not really sure why, but my taxable account has risen, and I would like to get rid of the debt. After my mortgage gets down to the amount my bonds portion in my taxable is, I’ll likely pay it off. I would probab...
by poker27
Thu Dec 26, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7285

Re: Gifts to your employees- how much?

I have a team of 16 people, many of which earn much more than me. Everyone will be getting a $20 gift card to a local liquor store. Not as personable as I’d like, but I ran out of time this year. Are you an NFL coach or something? :oops: I manage a sales team for a b2b technology company, its not u...
by poker27
Thu Dec 26, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: San Juan-Puerto Rico in July Long weekend
Replies: 7
Views: 272

Re: San Juan-Puerto Rico in July Long weekend

All, I wanted to ask if going to San Juan-Puerto Rico in July Long weekend is a bad idea? The reason is we don't want to take school days off for kids 9 and 11 (already took some this year). When I google it says April to June is best time. We don't mind 80+ temp. Also I have some questions: 1) Is ...
by poker27
Wed Dec 18, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to your employees- how much?
Replies: 113
Views: 7285

Re: Gifts to your employees- how much?

I have a team of 16 people, many of which earn much more than me. Everyone will be getting a $20 gift card to a local liquor store. Not as personable as I’d like, but I ran out of time this year.
by poker27
Mon Nov 18, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: What to do (career/life)
Replies: 18
Views: 2278

Re: What to do (career/life)

First off, I would confirm with good, but truthful friends/ family that what your saying is true. Maybe your standards are too high, doesn’t exist, or whatever. Now if you are being rationale I think your taking saving and frugality to an unhealthy extreme, and it’s causing you unhappiness. Go get ...
by poker27
Mon Nov 18, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14058

Re: Best thing you have ever bought?

Have been tossing this around given I feel like I have a lot of ‘stuff’, but nothing jumps out. Top contenders... Motorcycle - wasn’t Expensive, but have done countless day trips with friends and a long week trip over the past 5 years First pair of ‘nice shoes’. Really makes the ensemble IMO, and I ...
by poker27
Mon Nov 18, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: What to do (career/life)
Replies: 18
Views: 2278

Re: What to do (career/life)

First off, I would confirm with good, but truthful friends/ family that what your saying is true. Maybe your standards are too high, doesn’t exist, or whatever. Now if you are being rationale I think your taking saving and frugality to an unhealthy extreme, and it’s causing you unhappiness. Go get a...
by poker27
Mon Nov 18, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14058

Re: Best thing you have ever bought?

I’m unsure of my answer yet, however many of these responses is making me want to get lasik. For me personally, it’s not about the $, but the chance of something bad happening, and the pain (I’m a baby when it comes to eyes) For what it's worth, I purposely chose PRK over LASIK because I wanted to ...
by poker27
Mon Nov 18, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 151
Views: 14058

Re: Best thing you have ever bought?

I’m unsure of my answer yet, however many of these responses is making me want to get lasik. For me personally, it’s not about the $, but the chance of something bad happening, and the pain (I’m a baby when it comes to eyes)
by poker27
Mon Nov 11, 2019 8:00 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12357

Re: Saving seats on Southwest

I typically fly SW for business since I don’t fly a ton, and their rewards program is simple. I don’t mind if people save seats for their other guests, assuming they aren’t in an exit row or another premium location. However, a few weeks back I noticed a man saving the middle seat between him and hi...
by poker27
Sun Oct 27, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4313

Re: Vacation ideas for February

I went to Puerto Rico last year for the first time, and am considering another trip this January. Awesome beaches, fairly inexpensive, no customs, and a super interesting town of San Juan. How long were you there? where did you stay? Sorry for the late reply. We spent 6 nights in PR, 3 nights in th...
by poker27
Tue Sep 17, 2019 8:44 am
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4313

Re: Vacation ideas for February

I went to Puerto Rico last year for the first time, and am considering another trip this January. Awesome beaches, fairly inexpensive, no customs, and a super interesting town of San Juan.
by poker27
Mon Sep 16, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 42
Views: 2635

Re: Mustang...GT or Ecoboost?

I had a mustang when I was a kid, and recently rented an Ecoboost for a week. The new GT mustangs are pretty sweet, but if I wanted a surprise, I might be happier with a fox body, or a early 2000s cobra to reminisce. Can you maybe rent a Mustang for a day or two, and tell her the surprise is your go...
by poker27
Tue Aug 06, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used AimLoan or Watermark Financial to Refinance?
Replies: 3
Views: 495

Re: Anyone used AimLoan or Watermark Financial to Refinance?

I used AIMLOAN a few years back to refinance down to a 15year. Similar to you, I was hesitant, as my last mortgage broker was 'local'. They had the best rate, so I decided to move forward with them. The process was fine, everything was delivered to them via an upload site, and they answered question...
by poker27
Mon Aug 05, 2019 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my Mortgage (yes, another)
Replies: 19
Views: 2083

Re: Should I pay off my Mortgage (yes, another)

I refinanced 3 years ago to a 15yr, at 2.875%. I owe approximately 190k, and have $2-250k equity in my house. No other debt. I likely would not be able to deduct anything this year. poker27, 1) You have a 400+K house. This does not change whether you pay off the mortgage. 2) What is your net worth ...
by poker27
Mon Aug 05, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my Mortgage (yes, another)
Replies: 19
Views: 2083

Should I pay off my Mortgage (yes, another)

I know this topic continues to get beaten to death, but given the large amount of $, I wanted to get yalls thoughts. I am 33, sales management, same company for 13 years, comp is highly bonus/commission based, but averages mid/high 100s. I do not have a degree, meaning job prospects could be risky i...
by poker27
Sun Jul 28, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Hawaii in August
Replies: 31
Views: 2936

Re: Hawaii in August

Went for the first time this past April. We went to both Maui and the big island.

We stayed on both sides of the big island (Hilo and Kona) and loved it. Was very laid back, not super touristy, and the beaches and terrain were amazing.
by poker27
Thu Jul 18, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: 1 million in liquid assets or paid off mortgage by 40?
Replies: 72
Views: 8768

Re: 1 million in liquid assets or paid off mortgage by 40?

I’m in a similar situation. $200k of a mortgage left at 2.875%, but I have less investments. Nearly daily I consider cashing out my taxable bonds, vested company stock, and cash in a cd to pay off my mortgage. I am very confident this would not be a wise financial decision, but I still ponder about ...
by poker27
Tue Jul 09, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 130
Views: 11131

Re: Buying a Smoker

I have a small Weber smoker for the past year or so. I love smoke meat, but it is a process for sure. I continually need to monitor the temp, add wood, add charcoal, etc. if you are doing a brisket or pork shoulder it is an all day event. Ribs, chicken, salmon, and side dishes smoke much quicker, so...
by poker27
Wed Jul 03, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 9537

Re: Frontier or Spirit Airlines

I've flown Spirit twice, and it was fine both times. Actually exceeded my expectations to be honest. I also upgraded to the 'big seat' for a trip, and it was quite nice.
by poker27
Tue May 07, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: wedding gift value
Replies: 80
Views: 5135

Re: wedding gift value

Low end I would give $100 each, a good friend is getting married this fall, I will probably give $500 for both of us. I will be sure to drink at least $100 of it.
by poker27
Sat Apr 27, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 3281

Re: weber grills

I’m all about spending $ and nice things. But my sub $300 charbroil grill is going strong for nearly 7 years. Outside in Chicago, not covered, and replace the propane tank at least twice a year, so I think I grill a decent bit.
by poker27
Wed Apr 24, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Should I Sell Car to My Boss?
Replies: 25
Views: 2227

Re: Should I Sell Car to My Boss?

I would be very open up front with your boss about his concerns. Saying something like, I'm more than happy to connect you with my brother, but last thing I want is something to happen with the car, and look like a jerk. Saying you wont discuss the car because he is your boss might be worse... Its n...
by poker27
Tue Apr 16, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Having Trouble with PNC?
Replies: 21
Views: 3564

Re: Anyone Having Trouble with PNC?

I got multiple emails like this from PNC too. I changed my password, and then just a day later it happened again. I called PNC and they confirmed that my account was locked. I ended up changing my username. I thought that there might be a person using a similar username. But now that multiple people...
by poker27
Mon Apr 15, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6648

Re: Women, How Much Do You Pay for Haircut

I’m a guy, and when I get a ‘nice’ haircut I pay $60 + tip, when I get a cheap one it’s 20 + tip. I usually alternate, as there is 100% a difference between the two.
by poker27
Mon Apr 01, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Family flying - picking seats at booking
Replies: 75
Views: 5607

Re: Family flying - picking seats at booking

I usually dont have this happen, as we fly Southwest.

however the last two flights we took (united and Spirit) we were seated together without paying
by poker27
Mon Mar 25, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3959

Re: Nice men's jeans

Dearborn denim. Far superior to the luckys and Levi’s of the world without a stupid price tag.

I recently gained weight, but can’t wait to lose it and got back into my ‘nice’ jeans.
by poker27
Wed Mar 13, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3864

Re: What time do you start your day?

How do yall get the energy to get up so early? I wake up around 7ish (but will hit snooze), and eventually get to my office around 830, and leave 530-6PM. I would love to be up and refreshed at 6AM, but I struggle every morning. What time do you go to sleep? It varies. Between 10PM-12AM mostly. It ...
by poker27
Wed Mar 13, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3864

Re: What time do you start your day?

How do yall get the energy to get up so early?

I wake up around 7ish (but will hit snooze), and eventually get to my office around 830, and leave 530-6PM.

I would love to be up and refreshed at 6AM, but I struggle every morning.
by poker27
Tue Feb 26, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3230

Re: First time to Hawaii

We did our Honeymoon in Hawaii in 2017 and spent time on Oahu, Hawaii, and Maui. There were a couple of items that we wanted to see on Oahu such as Pearl Harbor and Kualoa Ranch, but I will most likely not visit that island when we go back again. Hawaii (the big island) was by far our favorite. We ...
by poker27
Tue Feb 26, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3230

Re: First time to Hawaii

I agree not doing Hana by bike. Windy narrow road being shared with tourist driving rentals looking at the views, tours vans/buses, not worth the risk. The road itself I think is over-rated as well, keyword being "over". Though you may have enough time on the island to do it and it's a nice enough ...
by poker27
Tue Feb 26, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3230

Re: First time to Hawaii

I agree not doing Hana by bike. Windy narrow road being shared with tourist driving rentals looking at the views, tours vans/buses, not worth the risk. The road itself I think is over-rated as well, keyword being "over". Though you may have enough time on the island to do it and it's a nice enough ...
by poker27
Mon Feb 25, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3230

Re: First time to Hawaii

Where on Maui will you be staying? I have intimate knowledge of most places. As for motorcycles on the islands. Be extra cautious. Most people in cars are watching sunsets, whales, bikinis, ocean vistas. Not necessarily in that order. They are absolutely not looking out for two wheeled traffic. he ...
by poker27
Mon Feb 25, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3230

Re: First time to Hawaii

Thank you everyone for the suggestions thus far! There is a free shuttle from the airport to the resort on arrival and departure day, which is why we werent going to rent a car, but still wanted to rent a motorcycle for a day to explore the island. We have booked a whale watching and snorkeling trip...
by poker27
Sun Feb 24, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3230

First time to Hawaii

Hi all, recently received word that I will be attending our ‘presidents trip’ with my company, which is taking place in Maui at the beginning of April. Hawaii has been on my list for a while, and could never convince myself that the long flight and cost was worth it, so this was a nice kick to make ...
by poker27
Wed Jan 02, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528535

Re: What are you up YTD? [Year To Date]

Only looking at my taxable, I was -6.6%
by poker27
Fri Dec 14, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 22423

Re: Favorite Purchase of 2018?

What was your favorite product you purchased in 2018? Could be big or small items. Mine is probably an American Giant Hoodie that I have ended up wearing almost every day this fall and winter. Runner up: Kinco mittens. Cheap, but warm especially after waterproofing them. You have been wearing the s...
by poker27
Wed Dec 12, 2018 11:04 pm
Forum: Personal Investments
Topic: TLH Help
Replies: 16
Views: 1098

Re: TLH Help

[quote=international001 post_id=4255813 time=<a href="tel:1544650838">1544650838</a> user_id=131025] Why sell the ones you bought in the last 30 days? And why buy the 2 funds at the same time? Then you cannot sell one and buy the other the next day. I thought that was the whole point Because of was...