Search found 751 matches

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: 60
Views: 5313

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: 118
Views: 6240

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: 51
Views: 3009

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: 4446

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: 2871

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: 2033

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: 1805

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: 5863

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: 4952

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: 3402

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: 3096

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: 3096

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: 2827

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: 2827

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: 2827

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: 2827

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: 2827

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: 2827

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: 2398
Views: 429578

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: 20481

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: 994

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...
by poker27
Wed Dec 12, 2018 2:07 pm
Forum: Personal Investments
Topic: TLH Help
Replies: 16
Views: 994

TLH Help

Hi, So I have been unsuccessfully reading on TLH... Like many I buy both VFWAX and VTSAX every month in separate buys. As of late my overall position of VFWAX is down nearly $9k, and im sure several of my VTSAX are down as well. Given these are bought over several different 'buys' how do I take adva...
by poker27
Fri Nov 23, 2018 2:03 pm
Forum: Personal Investments
Topic: Am I in the correct bond fund?
Replies: 3
Views: 649

Am I in the correct bond fund?

My target asset allocation within my taxable is 75/25 stocks/ bonds. i currently own... VFWAX Vanguard FTSE All-World ex-US Index Fund Admiral VTSAX Vanguard Total Stock Market Index Fund Admiral Shares VWIUX Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares I dont recall how I selected my b...
by poker27
Tue Sep 18, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Aimloan.com for a refinance?
Replies: 12
Views: 1019

Re: Aimloan.com for a refinance?

I used them a few years ago while refinancing. Like you I had some hesitations, but it all worked out and I got a good rate. Oddly enough, my identity was stolen a few weeks after refinancing. Not blaming aimloan, just odd timing to have it done when I’m signing a bunch of paperwork with my social a...
by poker27
Wed Jun 20, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 9808

Re: Help Buying Mens Shoes for Work and Dating

I'm a bit of a shoe snob... I love the way they look and the sound leather bottoms make on marble floors :). I probably own 15 or so pairs of hand made shoes, mostly Allen Edmonds, and a pair or two of Bruno Maglis. Buy good shoes, but also ensure you buy a matching belt, please. Don't wear a dark b...
by poker27
Tue Jun 12, 2018 11:37 am
Forum: Personal Investments
Topic: Paying off a mortgage: Incentivized by new tax law?
Replies: 17
Views: 1865

Re: Paying off a mortgage: Incentivized by new tax law?

It is more appealing for me to pay down my mortgage since I will hardly itemize this year, but have not begun to do so. If you are unsure what to do, i would split it 50/50. I would doubt that paying off a 4% mortgage is the best financial decision long term, but its a safe one. I will continue to p...
by poker27
Wed May 16, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 6385

Re: New motorcycle rider

I have been riding for about 5 years, and still have my first bike, Yamaha FZ6. Cheap, quick, and semi comfortable for a sport bike. I will agree with everyone that it is insanely dangerous. I usually make the short commute to work in the Chicago summer, and had two fairly close calls over the past ...
by poker27
Mon Dec 11, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 13583

Re: 2018 financial goals - what are yours?

I'm happy with my mortgage rate (2.875%), so I dont intend to pay down
My Emergency fund is solid.
My only concentration (after auto 401k deductions) will be adding to my taxable. We may be doing some home renovations, so determining an amount I'd like to fund is tough.
by poker27
Thu Dec 07, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 10672

Re: Growing Number of Electric Vehicles

munemaker wrote:
Thu Dec 07, 2017 6:04 pm
I have not seen any electric cars in our area (NW PA), so I don't think we will be affected any time soon.

Well, I did once see a Tesla here, but only once.
This is very interesting. I walked two blocks to Starbucks Sunday morning and saw 3-4 Tesla’s. They are all over Chicago.
by poker27
Sun Dec 03, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 7086

Re: It's that time of year again... buying christmas gifts

Christmas adds up real quick. Just bought my team gifts 20 x $30. $100 for my boss. Then prolly two more gifts that are $50 each. And that is just my darn office
by poker27
Fri Dec 01, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 15351

Re: Price of haircut?

I go to great clips, 15+ $5 tip. I always have mixed reviews and debate going to the ‘nice’ place down the street. I believe it’s $50 + tip.
by poker27
Fri Nov 24, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Etiquette question: Paying for meals out & out of town guests
Replies: 79
Views: 9417

Re: Etiquette question: Paying for meals out & out of town guests

if I was staying in someone’s house, I would offer to cover the tab. However if it was the opposite I really wouldn’t care. I don’t know what your financial situation is, but if $65 won’t kill you, you should let things go
by poker27
Thu Nov 23, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Any tips on gifts for employees?
Replies: 14
Views: 1533

Re: Any tips on gifts for employees?

I struggle with this every year. I need to get around 20 gifts this year. I think I am going to get a small gift set of spices for each person, around $30 a head. When I add in a gift for my boss and two other individuals that don’t exactly work for me, it adds up.
by poker27
Mon Nov 20, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 2590

Re: What brand of used car - Hyundai vs Nissan?

We have a 2011 Sonata with 115k miles. We live in Chicago and park on the street, so it gets beat up. I can’t recall a single out of pocket repair. I believe there was a strut or something suspension related that was replaced under warranty. If you are not the original owner, you have to pay for the...
by poker27
Sat Oct 28, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is my mortgage interest math correct?
Replies: 5
Views: 1225

Is my mortgage interest math correct?

Hi, I refinanced a year ago to a 15yr at 2.875% from a 30yr. At the time I told myself that after doing so it would be ridiculous to attempt to pay my mortgage down quicker, but lately I have been questioning my decision to continue to put $ in taxable. Probably because current market conditions (co...
by poker27
Mon Oct 16, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: How do you outfit your feet?
Replies: 27
Views: 3319

Re: How do you outfit your feet?

I bought my first pair of 'nice' ( forget if it was Bruno magli or Allen Edmonds) dress shoes 5 or so years ago, and now cheap shoes irk me. For work or whatever... I have 3-4 pairs of walnut, 2 pairs of black, 4 pairs of brown, 2 pairs of merlot, and maybe 4-5 pairs of mixed colors (grays, blues, e...
by poker27
Mon Oct 16, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10565

Re: What are you driving? And would you buy your current ride again?

2011 Hyundai Sonata w/ 110k miles. We bought it a year old with 20k miles. It has gotten beat up living in Chicago and parking in the street. I would have said I'd buy it again, however recently it started burning what seems like a lot of oil. I hope it's covered under hyjndais recall. If so, well s...
by poker27
Tue Oct 10, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 4307

Re: Best weight loss resources?

Weight loss is even simpler than indexing, IMO. Figure out your maintenance calories, consume less calories than your maintenance. Unless you are a freak to science, you will lose weigh. The amount of meals, types of food, and supplements do not matter. Calories in Vs. Calories out. Incredibly simpl...
by poker27
Sun Oct 01, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 7307

Re: Would you take a pay cut to work from home?

I certainly miss working from home. The pay differential may be made up in commute costs, coffee, lunch, etc.

I allow my team to work from home more than most if they perform. I think it's a huge perk.
by poker27
Mon Sep 25, 2017 9:42 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 15097

Re: Lifestyle Creep

Nearly all aspects of my life have crept up with my income level. I mean what is the point of making more $ if you are not going to enjoy it? ... which leads to a couple of thoughts. First, "enjoying it" can take many forms. In my own case, by *not* giving in to lifestyle creep, I was able to retir...
by poker27
Mon Sep 25, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 15097

Re: Lifestyle Creep

Nearly all aspects of my life have crept up with my income level. I mean what is the point of making more $ if you are not going to enjoy it?
by poker27
Tue Sep 05, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 4106

Re: Are you a "car guy" or "car gal", how do you fund?

I love cars. I use to race (road tracks and auto x), however I moved into the city and it was extremely challenging to find room to work on cars (which if you race something always needs fixing) and street parking is horrible with a nice car. A few years ago I was getting the itch to get some more e...
by poker27
Mon Aug 28, 2017 6:23 pm
Forum: Personal Investments
Topic: Fear of Stock Market - Is it smart to be cautious?
Replies: 39
Views: 4446

Re: Fear of Stock Market - Is it smart to be cautious?

I was in a similar situation last year. I had already been investing in a taxable, but I had been putting a few bucks additional toward my principal, and accumulated cash I decided to refinance to a 15 year mortgage, and then told myself any additional funds would be placed in taxable and not toward...
by poker27
Wed Aug 16, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: What kind of hotel do you get on business travel?
Replies: 44
Views: 4700

Re: What kind of hotel do you get on business travel?

I'm currently staying in a Hyatt place. I don't think I have a hotel max budget, however I am given an annual budget for my entire team so that comes into play.
by poker27
Tue Aug 01, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: The age old debate 30 vs 15 [year mortgage rate]
Replies: 41
Views: 6332

Re: The age old debate 30 vs 15 [year mortgage rate]

do you have extra $ each month (I would assume so since you have 200k in cash). If so, what do you do with it? I wanted to split my extra $ between taxable and mortgage, so ultimately decided to refinance to a 15yr. I'm confident that $ in the market will do better than my old mortgage rate, but sti...
by poker27
Wed Jul 26, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 4130

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

I often take a uber from Midway to the city, and had to take a taxi before they allowed Uber to pick up from Midway. Without traffic an Uber to just north of downtown would run me $20-25. A cab was $50. Depending on which suburb you are going to and the time of day, it could make sense to take the L...
by poker27
Tue Jul 25, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: About to buy a rental car, any advice?
Replies: 54
Views: 5638

Re: About to buy a rental car, any advice?

I recalled an old rental car thread where everyone mentioned that rental cars are abused... Few weeks ago I had a rental for a few days. It was even a nice car as I was upgraded to a full size. During my 3-4 days with the car I had 0 interest to beat on a car. No offense but where is the fun in beat...
by poker27
Thu Jul 13, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 10592

Re: Do you consider business travel to be a perk or a burden?

For those of you traveling, how do you rack up points and miles? I am required to book everything with a corporate card at a business travel site. Since I don't travel a ton (maybe once a month) I will usually fly southwest since my odds of getting upgraded are nill.
by poker27
Mon Jun 26, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Buy condo at Trump Tower Chicago a good deal?
Replies: 24
Views: 5160

Re: Buy condo at Trump Tower Chicago a good deal?

I'm not going to speculate if the place is devalued or not given the name. I will say that if you are looking for a downtown condo in the 'middle' of things, it is a very good choice. I've stayed at the hotel for a stay cation, and you are a few blocks from the 'action' of River North, while still b...
by poker27
Thu Jun 22, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 13263

Re: Costco vs. Amazon - Thoughts of Prime Members?

I have both. I'm a huge fan of Costco. I buy groceries, clothes, and going to the eye doctor there on Monday. I personally can't see getting food (hot or cold) delivered to me, but I also never thought I would get in the back of a strangers car and get driven places for cheaper then a cab. While I e...