Search found 6292 matches

by Jack FFR1846
Sun Feb 25, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 9
Views: 237

Re: Audio Recording

Are the classes video'd and made available online later?

I ask because my son's college classes are and he often reviews the class lecture later on.
by Jack FFR1846
Sun Feb 25, 2018 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Citi DoubleCash vs. Paypal (Synchrony)
Replies: 15
Views: 1577

Re: Citi DoubleCash vs. Paypal (Synchrony)

Some posters on this thread talk about opening new credit card accounts to get bonuses. That's what I was doing, but be advised it could hurt your credit score. I just changed homeowners insurance, and the insurer notified me that I didn't get their lowest rate because my ''credit history' was not ...
by Jack FFR1846
Sat Feb 24, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: new starbucks chase visa card
Replies: 22
Views: 1279

Re: new starbucks chase visa card

I'd rather use my new HSBC card. You can do the math. With the first $500, I get $150 cash back. No annual fee. For the first 6 months, 2% back on everything. At the end of the year, they add 10% of your rewards (so that becomes 2.2% back). And I don't even have to set foot in Starbucks, which is a ...
by Jack FFR1846
Sat Feb 24, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 61
Views: 2983

Re: How Far is too Far, Commuting?

It depends on the person. I had a job 55 miles/1 hour away for 8 years. Since it was an opposite commute, I was always moving while watching the saps in the opposite lane sitting there without movement. I personally liked the commute. I started it with a Honda CRX-Si which got very good gas mileage....
by Jack FFR1846
Sat Feb 24, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 45
Views: 2522

Re: Ethics of selling a used car

If a car has expensive known issues, I'll sell/trade to a dealer. They have the opportunity to have their mechanics go over it before they buy it and they can figure things out and the cost to fix better than I can. If the car is overall in good shape, I'll sell privately. I'll tell the buyer what I...
by Jack FFR1846
Fri Feb 23, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Financial proposal from Adviser
Replies: 37
Views: 3232

Re: Financial proposal from Adviser

I believe the best answer to the adviser's question would be "Well thank you for this interesting offer. You'll be hearing from Vanguard soon as I've instructed them to transfer the 529 plan out of your control and into a (pick a state) plan managed by Vanguard".
by Jack FFR1846
Fri Feb 23, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Small Personal Loans for Mixed Martial Arts Training
Replies: 29
Views: 1990

Re: Small Personal Loans for Mixed Martial Arts Training

I have my karate black belt and worked with a Dojo that gave students the option of monthly payments or full year at a discount. I have heard of others that only offer either full year or full black belt training. My sister in law fell for one of these full black belt places, paid $3k and after abou...
by Jack FFR1846
Thu Feb 22, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Auto insurance damage claim
Replies: 50
Views: 1984

Re: Auto insurance damage claim

The appraiser is right and you're going to lose this one. I've accepted money for a not-at-fault collision which was half the entire car value. I banged out the damaged door "good enough" but I know the value of the car is now reduced by that amount. I also immediately dropped collision. Find a simi...
by Jack FFR1846
Thu Feb 22, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Replacing Tires on BMW X3
Replies: 18
Views: 1136

Re: Replacing Tires on BMW X3

I took the liberty to see what I could do with Tire Rack. I put together the lowest price 17" wheel (found a closeout) with tires and sensors shipped to Boston. $701 delivered. I'd rather pay that than double, and this is wheels and tires with lug bolts. They come to you and you bolt them on. The en...
by Jack FFR1846
Thu Feb 22, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 37
Views: 3386

Re: How Secure Is Your Apartment

If you're worried about theft, mimic what a bullion dealer does that I've done business with. He has a cheap, small safe, easily seen, in place and just screwed into the sheet rock. The thief uses a crowbar and easily removes the safe and runs away with it. Inside, he'd leave some rolls of pennies a...
by Jack FFR1846
Thu Feb 22, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Looking into Hands Off Commercial Real Estate
Replies: 14
Views: 1331

Re: Looking into Hands Off Commercial Real Estate

Let me spray this gray powder in the room so everyone can see the elephant. If you want to be in real estate management, then don't sell the building that you currently own. You know it, understand it and obviously can manage it. Going with one of these other options you mention introduces huge risk...
by Jack FFR1846
Wed Feb 21, 2018 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 2177

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

I would do it. The key for me is no blackout dates. Our company uses eTrade and I've got both RSUs and ESPPs set to sell on vest for the next year already. We bought last week with a sale without any intervention from me. All I had to do was wait till the transaction settled and move the money to my...
by Jack FFR1846
Wed Feb 21, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: My 2012 Fiat 500 is officially the most dependable car I have ever owned
Replies: 19
Views: 867

Re: My 2012 Fiat 500 is officially the most dependable car I have ever owned

I too have had no problems whatsoever with my 2014 Fiat Wrangler Unlimited.
by Jack FFR1846
Wed Feb 21, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 2436

Re: Trade my BMW?

From the description of the brake wear sensors, I can say that they seem to not have changed since I did them on an 81 320i that we used to own. The brakes on that car were worlds easier than today's Hondas or Subarus (I've had all these cars).
by Jack FFR1846
Wed Feb 21, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: What UN-frugal thing do you do?
Replies: 168
Views: 8255

Re: What UN-frugal thing do you do?

I drive the exact vehicle that is the antithesis of the MrMoneyMustache car......a Jeep Wrangler Unlimited. I do find that it's very hard to find a snowplow to put onto a Honda Civic or Nissan Leaf, however, so I think I'll just keep it.
by Jack FFR1846
Wed Feb 21, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 43
Views: 4277

Re: Giving up on first home

I can't think of a single thing that home ownership does to lift responsibility and endless tasks off of you. I've owned 3 houses in the last 30 something years and sometimes think it would be so nice to just rent and not have any worry or responsibility. But then, I get on my tractor on a weekend a...
by Jack FFR1846
Wed Feb 21, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Need an education on Rental Insurance
Replies: 14
Views: 557

Re: Need an education on Insurance

Whether your policy says "owner occupied" is, I think, the key to the differences here. I'd bet that your agent got a quote as if you lived in this house. As mentioned above, if you ever have a claim, expect $0 to be paid as it's not an owner occupied house. Unless I misunderstood and you actually d...
by Jack FFR1846
Wed Feb 21, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: frustrated with patek philippe poor service
Replies: 29
Views: 2404

Re: frustrated with patek philippe poor service

I'll tell you what I did. I have a 1963 Longines automatic watch inherited from my dad. It needs work. I consider it to be a bracelet and wear it rarely. I have a phone, so why would I need a watch to know what time it is? If this were my watch and say my dad had sent it off for repair estimates bef...
by Jack FFR1846
Tue Feb 20, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 5331

Re: Multiple Offer situation/should we pull our offer?

Readjust the offer NOW and update the closing date and extend the validity date by 24 hours. You were willing to buy the house for that price yesterday and you can't find another house in 24 hours. Consider telling YOUR agent to set up more showings for the weekend. I like this advice. Personally, ...
by Jack FFR1846
Tue Feb 20, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1916

Re: House rewiring - cost of copper

Now that we've dispelled the copper wire cost skyrocketing rumor, I'll ask why you want to rewire the house in the first place. My house isn't old but I think the guy who did the wiring was more interested in how much weed he could smoke rather than running wire in a standard way. I'll follow a brea...
by Jack FFR1846
Tue Feb 20, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 2436

Re: Trade my BMW?

Keep the BMW until the warranty is about to expire, then shop for something you like that's on the top of the reliability pile.
by Jack FFR1846
Tue Feb 20, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3518

Re: Mixing fuel octanes for cars

http://www.appropedia.org/Energy_content_of_fuels A small sampling, showing relative energy density and octane. The higher the octane, the lower the energy density. So long as the engine computer can adapt to an octane rating, the car will run fine. Low octane, it pulls timing to a degree and the sp...
by Jack FFR1846
Tue Feb 20, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Price of home heating oil vs gasoline?
Replies: 18
Views: 645

Re: Price of home heating oil vs gasoline?

The better comparison is home heating oil vs diesel since it's the same stuff with different dyes (red for heating oil and yellow for road use). I've done this comparison and diesel is about 10 cents a gallon cheaper than home heating oil, even when I pay in under 10 days to get the discount. I run ...
by Jack FFR1846
Mon Feb 19, 2018 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle cashback bonuses?
Replies: 8
Views: 1157

Re: How to handle cashback bonuses?

Churn more

No, really, that's the answer. Churn more and you won't have to decide.
by Jack FFR1846
Mon Feb 19, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 43
Views: 6238

Re: Paying off $372000 mortgage in 12 months

Also said his income was $325K. Not sure how he can make monthly payments of $30,000 on that income. Gill I would assume some bonus, windfall, lawsuit win, inheritance, sale of a few pounds of gold figure into this. I can say that when I sold stock options one year and made a boatload of money, tha...
by Jack FFR1846
Sun Feb 18, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: To buy or not to buy in Boston for Investment
Replies: 18
Views: 1529

Re: To buy or not to buy in Boston for Investment

There are some really disinformation posts in this thread. Firstly, in general, a tenant will win most any dispute in Massachusetts in general and especially in Boston or Cambridge. If you have to take legal action to remove a tenant, expect a year before they're gone if they want to fight you. As f...
by Jack FFR1846
Sat Feb 17, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 2678

Re: Selling Timber

You can also pay a private forester to come and assess what could be taken and give you a ball park. If you have an idea of what you want the property to look like when they're done, he can help with better companies to work with. I forest manage my property mainly for firewood extraction that I do ...
by Jack FFR1846
Sat Feb 17, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1144

Re: Older iPhone slowdowns - tips or considering switching?

Revert to ios 7.1. This predated the infamous apple "let's slow down phones when we want them to be replaced" option.

My 4s running 7.1 is lightning fast and the battery lasts fine and has never been replaced.
by Jack FFR1846
Fri Feb 16, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Wheel alignment new tires
Replies: 15
Views: 688

Re: Wheel alignment new tires

$299 for alignment? Do you get an i8 loaner or something?

I wouldn't bother unless you've had some issue. Hit something that made the steering or handling change, uneven tire wear. I don't do alignments with new tires.
by Jack FFR1846
Fri Feb 16, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: I bonds instead of Total bond in a 3-fund portfolio?
Replies: 9
Views: 1279

Re: I bonds instead of Total bond in a 3-fund portfolio?

I have both. About $350k in iBonds and about 2 commas in total bond. The iBonds second as emergency fund.
by Jack FFR1846
Fri Feb 16, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Bonus and Tax reporting
Replies: 6
Views: 410

Re: Bank Bonus and Tax reporting

I received one from Citi for the $400 checking account sign up bonus.
by Jack FFR1846
Fri Feb 16, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2541

Re: Connecticut is charging sales tax on out of state purchases

Mass tried to do this with over the border stores in New Hampshire (no sales tax state). The New Hampshire told Mass to pound sand. Fortunately, Mass has extensive oceanfront beaches to get that sand from.
by Jack FFR1846
Thu Feb 15, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4580

Re: What is the evidence against slice and dice?

Slice and dice makes the assumption that a slice will beat the total. Jack Bogle recently talked about this and small cap value, which has been very trendy over the last few years. What he talked about was that the investing community figures out that some slice outperforms, hypes it and it becomes ...
by Jack FFR1846
Thu Feb 15, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6605

Re: PSA: Bank of America now charges $12/month for checking

I removed the quoting so I can answer at least for my credit union (DCU) online systems: Excellent at DCU. I can see all accounts including joint, make transfers between accounts, get online pdf of both sides of cashed checks, order checks, check balances, etc. Good site that's easy to use and logic...
by Jack FFR1846
Thu Feb 15, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie: retirement vs. college savings vs. life insurance
Replies: 33
Views: 1269

Re: Newbie: retirement vs. college savings vs. life insurance

Ha, you must be psychic. Yes, he did in fact say that and I'm regretting discovering this forum 10 years after starting the policy! Do you think it's throwing good money after bad to continue it in any form or would you just chuck it entirely and go with term? And what I mean by covering the 50% is...
by Jack FFR1846
Thu Feb 15, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Strategy to sell a sought-after condo
Replies: 15
Views: 1002

Re: Strategy to sell a sought-after condo

Put the word out that you are ready to sell but need to net $X. Make that number higher than the going rate of other condos. Sign up with no agents. You could get no offers, in which case, tell these agents to stop blowing smoke up your skirt, or you could indeed sell. We did this with a house, alth...
by Jack FFR1846
Thu Feb 15, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 3016

Re: Rant about relocation mortgage assistance, and a question

How about renting in the new location for a year? This should remove all the hoops the mortgage provider is putting in front of you. While you think the job offer requirements are unreasonable, I've worked for a company who hired someone, they relocated, a downsize and layoff hit the company and the...
by Jack FFR1846
Thu Feb 15, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Potential employer wants me to give offer - how to respond?
Replies: 63
Views: 5821

Re: Potential employer wants me to give offer - how to respond?

Think about it and decide for yourself what it would take to move you from a job that you currently like. Any number is fine. Go into it with the mindset that you can just as well stay where you are as move. The more you really want to move, the lower the number would be. The less you want to move, ...
by Jack FFR1846
Thu Feb 15, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie: retirement vs. college savings vs. life insurance
Replies: 33
Views: 1269

Re: Newbie: retirement vs. college savings vs. life insurance

What do you mean by: "I hate the idea of having to somehow cover an additional 50%."? You said your 529 will cover 50%. So sure....you'll cover the other 50%. I'm wondering if the whole life sales man sold you policies with the assumption that these will "hide" the money from FAFSA. Sure, it will. B...
by Jack FFR1846
Thu Feb 15, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6605

Re: PSA: Bank of America now charges $12/month for checking

Things my credit union does for free: Coin machine with no charge Cash paper savings bonds get free coffee get cash money deposit cash money get notarizations get medallion signatures (never done one but know they do it) overdrafts (fee refunded by simply asking) wire receive (fee refunded by simply...
by Jack FFR1846
Thu Feb 15, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Used car - warranty or no?
Replies: 24
Views: 876

Re: Used car - warranty or no?

I will list the 10 biggest aftermarket warranty companies who were in business 10 years ago and are still in business today:


/end of list.

Yes, none. They all go out of business before they have to pay a lot of money out.
by Jack FFR1846
Wed Feb 14, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2778

Re: The value of car body repairs/upkeep of older cars?

What country has safety inspections on body rust and condition? Here in the USA we have some metro counties that do smog test and it's bad enough. Not the freedom that generations before fought for. The People's Republic of Massachusetts, for one. The "spray in some expanding foam, sand and paint" ...
by Jack FFR1846
Wed Feb 14, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6605

Re: PSA: Bank of America now charges $12/month for checking

rgs92 wrote:
Wed Feb 14, 2018 2:15 pm
My credit union is free.
You say that as if free is better than being charged $12 a month.




(DCU member for 32 years)
by Jack FFR1846
Wed Feb 14, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Vanguard Golf Balls
Replies: 15
Views: 1518

Re: Vanguard Golf Balls

Have a ball investing with us.
by Jack FFR1846
Wed Feb 14, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Advice with Car Replacement?
Replies: 21
Views: 937

Re: Advice with Car Replacement?

I propose for your consideration....... Door #3. In this episode we do a Survivor style challenge. You will take your truck to haul whatever you can think of. I will take my Ford Fusion and TRAILER and attempt to haul whatever you do. If I succeed, I will place something on my trailer and see if you...
by Jack FFR1846
Wed Feb 14, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: PSA: Bank of America now charges $12/month for checking
Replies: 103
Views: 6605

Re: PSA: Bank of America now charges $12/month for checking

There's a reason why BoA's nick name is "the Evil Empire".

(cue Darth Vader music)
by Jack FFR1846
Wed Feb 14, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Job Evaluation
Replies: 29
Views: 1901

Re: New Job Evaluation

Which would be more fun for you? Do that. While raises/bonuses look like that greener grass out there, private sector employers can very well stop giving bonuses and raises. I got my first raise in 1 years back in December (private tech companies over that time). Private companies say "salary freeze...
by Jack FFR1846
Wed Feb 14, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Restricted Stock Units vesting- always sell immediately?
Replies: 7
Views: 552

Re: Restricted Stock Units vesting- always sell immediately?

I'm fortunate that my company announces financials, the window opens, then RSUs vest. I have some tomorrow, actually. I'm set up to sell on vest as there is no restriction for me to hold. I do indeed sell. My plan is to wait for the settlement, transfer and then I ACH over to Schwab and buy SCHB as ...
by Jack FFR1846
Wed Feb 14, 2018 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...
Replies: 74
Views: 3093

Re: Emergency fund question - 3 vs 6 months and should I lower my 401k contribution to get there...

I'll echo that you should get out of the semi fund. Not to get into the story too much but the days of dramatically reducing size has past. Physics always wins.
by Jack FFR1846
Wed Feb 14, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Net worth progression: what am i doing wrong?
Replies: 25
Views: 3777

Re: Net worth progression: what am i doing wrong?

You have positive net worth at 26? You're probably considered part of the 1% of 26 year olds.