Search found 3004 matches

by ThankYouJack
Tue Nov 05, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1831

Re: Working from home vs in the office

I prefer working from home but assuming a short commute, I think going into the office is nice maybe 1 or 2 days a week. But I work from home 100% myself and love the flexibility as I take a lot of afternoons off for hobbies and family. The downside is that I work a decent amount at night but I don'...
by ThankYouJack
Tue Oct 29, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much income to stay in the 12% bracket for 2020?
Replies: 10
Views: 1916

Re: How much income to stay in the 12% bracket for 2020?

...how much should we make to stay within the 12% bracket? This could be harder to figure out than it sounds. Aren't some payroll deductions like for health insurance are pretax? If so you are not taxed on so that part of your income might not be included in your taxable income for the year which t...
by ThankYouJack
Tue Oct 29, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How much income to stay in the 12% bracket for 2020?
Replies: 10
Views: 1916

Re: How much income to stay in the 12% bracket for 2020?

Perfect, thanks all. Exactly what I wanted to know.
by ThankYouJack
Tue Oct 29, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much income to stay in the 12% bracket for 2020?
Replies: 10
Views: 1916

Re: How much income to stay in the 12% bracket for 2020?

You can use the TaxCaster app to answer your question. But remember that when you are in the 12% bracket, that just determines the rate at which your last dollar of income is taxed. Let’s say your taxable income was such that you went $1 over the 12% bracket. So you’d be in the 22% bracket for your...
by ThankYouJack
Tue Oct 29, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much income to stay in the 12% bracket for 2020?
Replies: 10
Views: 1916

How much income to stay in the 12% bracket for 2020?

We're married filing jointly with 2 kids under 17. If in 2020, we have the chance to make up to a certain amount (with no access to any tax advantage accounts) how much should we make to stay within the 12% bracket? I believe the standard deduction is around $24k so it would be just over $100k but n...
by ThankYouJack
Fri Oct 18, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9952

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

You have a very outdated view of technology and what modern developers work on. As greg24 mentioned, the bsd foundation of MacOS makes it a much more natural development environment for many developers. I'm sure we could argue about this until the cows come home. Here's what platforms "programmers"...
by ThankYouJack
Fri Oct 18, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9952

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

People "tribe" up. Pick your tribe. Don't worry about what others do. We had Windows phones until they fizzled out.Kids like iPhones. The adults joined after our Windows Phones were retired. Easy to just all be on the same ecosystem. People can spend a big amount on flagship Android phones just as ...
by ThankYouJack
Thu Oct 17, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9952

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

baconavocado wrote:
Thu Oct 17, 2019 5:01 pm
I think we're beginning to see the answer to the OP's original question. There are a lot of iphones because employers are paying for them and once people get locked into the Apple universe, they stay there.
Why do you think employers are paying for them and not Android phones?
by ThankYouJack
Thu Oct 17, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9952

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I find the quality of apple products to be quite good. And whenever I’ve had a problem with mine (rarely) apple is quick to fix usually free of charge.
I have owned android devices, which have been fine and inexpensive, I just don’t like them as much.
by ThankYouJack
Mon Oct 14, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: How to make myself most employable (full stack developer)
Replies: 11
Views: 1289

Re: How to make myself most employable (full stack developer)

This is a little regional what state do you live in? Full stack tends to mean back end and front do you have the css and javascript skills as well? I'd like to work remote. I'm lighter on front end stuff, but also have a good amount of server management experience and am used to developing project ...
by ThankYouJack
Mon Oct 14, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: How to make myself most employable (full stack developer)
Replies: 11
Views: 1289

How to make myself most employable (full stack developer)

I'm not currently looking for a new job but may in a year or two. I've always had great luck finding jobs I enjoy but I want to make sure I set myself up for success especially if the economy goes south. As a full stack developer (.NET and SQL Server) what would you recommend doing / learning to mak...
by ThankYouJack
Mon Oct 14, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4688

Re: What workout equipment to get?

For cardio, I would youtube HIIT workouts - they're pretty intense, will get the heart going big time and free :)

For weights, a good set of adjustable dumbbells is always good
by ThankYouJack
Sun Oct 13, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: Anyone switch from a big phone to a small one?
Replies: 8
Views: 803

Anyone switch from a big phone to a small one?

I currently have an iPhone Xs that I'm thinking about giving to my wife and using an iPhone 7. But I wonder if going to a smaller screen will be tough. (Sort of like switching to a smaller tv). Or did you find you got used to the smaller phone pretty quickly?
by ThankYouJack
Wed Oct 09, 2019 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Working in a different city
Replies: 32
Views: 1987

Re: Working in a different city

Sounds like a great situation either way. Could you negotiate even more of a pay bump with the new job?

I would take the new job, but rent an apartment. If it turns out to not be all that you hoped or too much time away, it sounds like your current group would take you back immediately.
by ThankYouJack
Sun Oct 06, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Outgoing mail (package) in mailbox?
Replies: 15
Views: 1331

Re: Outgoing mail (package) in mailbox?

Thanks all. Pick up went smoothly. I dropped it in about an hour before the mail carrier and was in the yard a lot yesterday so wasn't too concerned about theft. Why not just go to the post office and have 100% confidence that your package is in the system? Convenience. I figured it saved me about 3...
by ThankYouJack
Fri Oct 04, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: burner phone for failing iphone?
Replies: 18
Views: 1679

Re: burner phone for failing iphone?

Personally, I would buy a battery case like https://www.amazon.com/dp/B07R8TTRPF/ (not endorsing or recommending this particular one) instead of switching phones twice in a few months. I like that solution. Or a compact battery pack would be even cheaper (~$12) and the OP could use it after - https...
by ThankYouJack
Fri Oct 04, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Outgoing mail (package) in mailbox?
Replies: 15
Views: 1331

Re: Can I put a padded envelop in my mailbox?

Yes. Why not? If the mail carrier doesn't take it, I think you will know. But also, do you ever talk to your mail carrier? Have you ever asked them this question? That's what I was assuming but wasn't sure, so figured I'd ask here. I hardly ever see my mail carrier and if I do, I just wave and say ...
by ThankYouJack
Fri Oct 04, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Outgoing mail (package) in mailbox?
Replies: 15
Views: 1331

Outgoing mail (package) in mailbox?

I have a small package in a padded envelop with a prepaid USPS label. Can I just put it in my mailbox (as I would a letter) put up the red flag and the mailman will pick it up? Is this taking an extra chance that it will get lost in the mail ? The package is worth about $150
by ThankYouJack
Fri Oct 04, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Careers after 1st Retirement
Replies: 17
Views: 1821

Re: Career Options in Retirement

Any of these of interest - https://www.trade-schools.net/articles/best-careers-for-the-future.asp Many are technology related, but it seems that you want to get out of IT after 55? It also seems like you don't enjoy your job and 2 decades seems like such a long wait for the pension to kick in. Gran...
by ThankYouJack
Fri Oct 04, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Careers after 1st Retirement
Replies: 17
Views: 1821

Re: Career Options in Retirement

Any of these of interest - https://www.trade-schools.net/articles/best-careers-for-the-future.asp Many are technology related, but it seems that you want to get out of IT after 55? It also seems like you don't enjoy your job and 2 decades seems like such a long wait for the pension to kick in. Grant...
by ThankYouJack
Fri Oct 04, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Change of Careers after 1st Retirement
Replies: 17
Views: 1821

Re: Career Options in Retirement

What do you do in IT and do you feel you're a standout IT pro or more average? Great software engineers are in very high demand and I would expect that to continue for decades to come. I would personally work on some freelance IT work and shift to that (more of a consulting role) when you turn 55. I...
by ThankYouJack
Wed Oct 02, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Video Doorbell without monthly Subscription
Replies: 9
Views: 1650

Video Doorbell without monthly Subscription

I've had a Skybell for a couple years but it appears shot as I'm getting a lot of error codes when I try to reset. One is a power issue that may be related to the transformer. The thing I like about the Skybell is how you don't need to pay the monthly subscription fee. The thing I didn't like as muc...
by ThankYouJack
Tue Oct 01, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1092

Re: Anyone replace an iPhone screen yourself?

Thanks all. I found a local screen repair shop that gets great reviews charge $80 for the screen repair. The iFixIt kit is $70 and most on Amazon are $40 - most with mediocre reviews. So I think I'll just take into the local store.
by ThankYouJack
Tue Oct 01, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 9916

Re: Who has had a pool?

Great thanks all. Someone asked my biggest concerns and I guess just making a mistake and wasting money. Wouldn't want to spend a lot and then decide to move (I don't think we will but never know), and get pennies on the dollar. We actually have a small 15' temporary "pool" that we really enjoyed t...
by ThankYouJack
Tue Oct 01, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 14043

Re: Willingly going from lucrative job to unemployed?

Sounds like it's much more than just burn out. I wouldn't recommend taking a leave of absence and then quitting. I would recommend quitting and traveling like you want to do. I've quit jobs before and never once regretted it. Now is the time and you have the NW and minimal expenses to do so. Good fo...
by ThankYouJack
Mon Sep 30, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1092

Re: Anyone replace an iPhone screen yourself?

Thanks all. I think I'll just take it to a pro.
bob60014 wrote:
Mon Sep 30, 2019 5:10 pm
Which model?
It's a 7.
by ThankYouJack
Mon Sep 30, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Anyone replace an iPhone screen yourself?
Replies: 14
Views: 1092

Anyone replace an iPhone screen yourself?

If so, how long did it take, did you run into any problems and did it work good as new after?
by ThankYouJack
Mon Sep 30, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Background search for nanny
Replies: 6
Views: 384

Re: Background search for nanny

I would start with Google and checking their social media. There may be red flags you find before you need to run the paid background search. A nanny that we almost hired had a felony that we found out about through Google. We were pretty shocked.
by ThankYouJack
Sun Sep 29, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone pivot away from Corporate America
Replies: 18
Views: 3823

Re: Anyone pivot away from Corporate America

My spouse has worked a big corporation for a while and for the most part has been happy with it, great pay, very bright colleagues, good professional growth. But ideally she'd like something with a great work life balance (possibly part-time) especially while our kids are young. I'm curious for tho...
by ThankYouJack
Sun Sep 29, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Anyone pivot away from Corporate America
Replies: 18
Views: 3823

Re: Anyone pivot away from Corporate America

Why not work part-time for Corporate America? I've seen this done with success. Flexible working arrangements are very common these days! She tried with her last job and was never allowed to. I think part-time is still a bit of a challenge to get in Corporate America, at least for hire up jobs. But...
by ThankYouJack
Sun Sep 29, 2019 9:01 am
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9692

Re: Retirees - do you hold extra cash for a bear market?

I forget his name but I recently read an article about a Boglehead who retired from the military in his 40's. I think he said he holds 2 years worth of cash to get him bear markets - that way he isn't selling low. I'm curious if others on here do the same and if so, how much do you keep and where d...
by ThankYouJack
Sat Sep 28, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 9172

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I've been happy with Cricket Wireless myself. 4 lines of unlimited data for $100 / month including tax. Speeds aren't the fastest - 3mbps but I don't notice it being bothersome. They also have a 5GB per line plan with LTE speeds for ~$105 for 4 lines
by ThankYouJack
Sat Sep 28, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put a year's worth of living expenses?
Replies: 10
Views: 1052

Re: Where to put a year's worth of living expenses?

Thanks all. I think I'll go with VMFXX for similar reasons as JoMoney. It does have an expense ratio of .11 but I figure even after taxes, I'll make an extra couple hundred or more compared to my current money market account. The quoted yields on Vanguard MM funds are net of expenses. So, if you li...
by ThankYouJack
Sat Sep 28, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put a year's worth of living expenses?
Replies: 10
Views: 1052

Re: Where to put a year's worth of living expenses?

Thanks all. I think I'll go with VMFXX for similar reasons as JoMoney. It does have an expense ratio of .11 but I figure even after taxes, I'll make an extra couple hundred or more compared to my current money market account.
by ThankYouJack
Sat Sep 28, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pay-off mortgage before FAFSA?
Replies: 19
Views: 1389

Re: Pay-off mortgage before FAFSA?

I've never liked the strings attached / big penalties with a 529 on non-qualified expenses. We paid off our mortgage and even contributed to our taxable account before a 529. The plan was to be able to financially independent asap. We both had super secure long term jobs, and then all of the sudden...
by ThankYouJack
Sat Sep 28, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone pivot away from Corporate America
Replies: 18
Views: 3823

Re: Anyone pivot away from Corporate America

Thanks all for the feedback. Independent contracting could be a very good option. I've done some myself in the past and enjoyed it for the most part.
by ThankYouJack
Sat Sep 28, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 141
Views: 15106

Re: I feel guilty spending my money!

I would say rent a Porsche but don't buy one. If the thought of buying one causes this much anxiety, I think owning one is going to cause even more anxiety. Tough to say from just one post, but I don't think more or real expensive things will cause a lot more happiness in this case. In fact, it coul...
by ThankYouJack
Sat Sep 28, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pay-off mortgage before FAFSA?
Replies: 19
Views: 1389

Re: Pay-off mortgage before FAFSA?

I've never liked the strings attached / big penalties with a 529 on non-qualified expenses. We paid off our mortgage and even contributed to our taxable account before a 529. The plan was to be able to financially independent asap. We both had super secure long term jobs, and then all of the sudden ...
by ThankYouJack
Sat Sep 28, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Where to put a year's worth of living expenses?
Replies: 10
Views: 1052

Where to put a year's worth of living expenses?

My money market fund currently pays 1.4%. Is there anything that pays a significant amount more? I'll need liquidity as I'll be spending down the amount over the course of the year.
by ThankYouJack
Fri Sep 27, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: New iPhone or iPhone 7 for ~$130
Replies: 16
Views: 1365

Re: New iPhone or iPhone 7 for ~$130

hotrodz wrote:
Fri Sep 27, 2019 3:27 pm
How about get the iPhone 7 and trade it in at Sprint for the iPhone 11? You will end up paying something like ~150 for the new iPhone 18 months from now.
I'm on a family plan with Cricket and only pay $25 / mo for unlimited data. So I don't think it's worth switching to Sprint
by ThankYouJack
Fri Sep 27, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: New iPhone or iPhone 7 for ~$130
Replies: 16
Views: 1365

New iPhone or iPhone 7 for ~$130

Someone will give me their old iPhone 7 with a broken screen for free. I also have an iPhone 6 Plus with a broken screen. I'm leaning towards the iPhone 7 and spending $130 but wondering if it's worth repairing it or just buying a new iPhone. Also, how long should I expect the 7 to last in terms of ...
by ThankYouJack
Thu Sep 26, 2019 5:33 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9692

Re: Retirees - do you hold extra cash for a bear market?

Thanks for the replies. I guess it isn't that common on here. Why would it be “mental accounting” to hold enough cash to get you through a stock market decline without needing to sell stocks? Sure, reasonable people can argue whether it’s a good idea. But “mental accounting?” I may have misused ment...
by ThankYouJack
Thu Sep 26, 2019 4:42 pm
Forum: Personal Investments
Topic: Retirees - do you hold extra cash for a bear market?
Replies: 93
Views: 9692

Retirees - do you hold extra cash for a bear market?

I forget his name but I recently read an article about a Boglehead who retired from the military in his 40's. I think he said he holds 2 years worth of cash to get him bear markets - that way he isn't selling low. I'm curious if others on here do the same and if so, how much do you keep and where do...
by ThankYouJack
Wed Sep 25, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone pivot away from Corporate America
Replies: 18
Views: 3823

Anyone pivot away from Corporate America

My spouse has worked a big corporation for a while and for the most part has been happy with it, great pay, very bright colleagues, good professional growth. But ideally she'd like something with a great work life balance (possibly part-time) especially while our kids are young. I'm curious for thos...
by ThankYouJack
Wed Sep 25, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 30
Views: 2111

Re: Healthcare sharing programs

Thanks all for the feedback. Based on it and my own research, I think we'll go the more traditional route of regular insurance.
by ThankYouJack
Tue Sep 24, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 30
Views: 2111

Re: Healthcare sharing programs

These plans are literally only allowed because of a religious exemption to the ACA. However, some are pretty loose. Some will call your church to verify. Some just require agreeing with a statement that you believe in x, y and z. If you are an atheist, then no, there are no health care sharing prog...
by ThankYouJack
Tue Sep 24, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare sharing programs
Replies: 30
Views: 2111

Re: Healthcare sharing programs

OP, what did you decide? I’m guessing you need to be Christian (or lie which I’m not willing to do) to join a Christian one? But it could be an option for my wife and kids. Are there any secular healthcare sharing programs? https://mychristiancare.org/medi-share/what-is-medishare/how-medi-share-work...
by ThankYouJack
Tue Sep 24, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pension - Lump sum or annuity if young - uncertain about work?
Replies: 12
Views: 822

Re: Pension - Lump sum or annuity if young - uncertain about work?

I noticed that you said in another thread that your wife's job was eliminated due to corporate reorganization and that her pension has a cash balance of high five figures. Since it appears to be a cash balance pension plan (rather than a traditional defined benefit pension plan) and the company is ...
by ThankYouJack
Tue Sep 24, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Pension - Lump sum or annuity if young - uncertain about work?
Replies: 12
Views: 822

Re: Pension - Lump sum or annuity if young - uncertain about work?

If in fact the options are a $100,000 lump sum now or a $5,000 annual immediate annuity now, at your ages I would take the lump sum as a direct rollover to an IRA. Invested in an appropriate index fund (like Total Stock Market or S&P 500), if annual returns average just 6% over the next thirty year...