Search found 1809 matches

by ThankYouJack
Thu Nov 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 854

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, ...
by ThankYouJack
Thu Nov 16, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 854

Re: Donor Advised Fund to Fund Starting a 501c3

Ok, thanks all. I won't consider donating money other than my time and equipment to the non-profit. And if I need to buy things for it, I believe I'll at least be able to write them off as a business expense. I know it probably sounds sketchy because a lot of people probably try to take advantage, b...
by ThankYouJack
Thu Nov 16, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 1654

Re: Christmas Vacation on a budget

+1 on going non-peak. Even if it's January 2-8th. I've looked into this extensively for Florida and plane tickets, rental cars and hotels are often 2-3x more during the holiday week. And crowds/traffic is so much smaller
by ThankYouJack
Wed Nov 15, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1853

Re: Office Chair Recommendations (Aeron?)

Also, a good sit-to-stand desk. Example . I got one of these (Staples had the best price, last I looked) and it's fantastic. I can sit when I want, then go to standing when I want within about five seconds, and vice-versa. I recommend a low-fatigue floor mat to go along with it. Those seem nice. I ...
by ThankYouJack
Wed Nov 15, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1853

Re: Office Chair Recommendations (Aeron?)

Great, thanks all. Makes complete sense to try before buying.

What stores sell higher end chairs? My local staples only has chairs up to ~$300.
by ThankYouJack
Wed Nov 15, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 174
Views: 13925

Re: Why pay cash for a car?

simplicity. Once you get to a certain point in savings, saving time and keeping it simple becomes more important than playing games trying to maximizing every dollar out of things.
by ThankYouJack
Wed Nov 15, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 36
Views: 1853

Office Chair Recommendations (Aeron?)

I need a new office chair. I typically go for comfort, but am thinking something that offers more support and good posture will be better. I would be willing to spend a decent amount (maybe $500 or more for something high quality with a warranty) but would be nice to try some out before buying. Any ...
by ThankYouJack
Sun Nov 12, 2017 1:55 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1164

Re: Frontier Flight Fees

Thanks all. I mixed up the flight day so the saving is closer to $50-100. And after paying for all the fees and hassle, I don't think it's worth it for me. I'm a big Southwest fan especially flying with a family during a time where kids are often sick. Being able to easily switch flights for free is...
by ThankYouJack
Sun Nov 12, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1164

Frontier Flight Fees

Frontier has some flights I'm interested in for $91 / ticket. Other flights that day are ~$300 / ticket. But Frontier almost seems like a scam with the varying fees like bag fees changing depending on the season and when you specify your checking your bag. Anyway, have other been happy flying with t...
by ThankYouJack
Sun Nov 12, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Working on elevator pitching, sales charisma
Replies: 8
Views: 848

Re: Working on elevator pitching, sales charisma

Thanks all, great advice. I mentioned it to someone I met yesterday and felt I did a pretty good job explaining it and she was quite interested. There's a couple different paths the business can take but once I'm able to do some research, possibly pilot it, and tighten up the pitch that should defin...
by ThankYouJack
Sat Nov 11, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Working on elevator pitching, sales charisma
Replies: 8
Views: 848

Working on elevator pitching, sales charisma

I have a small venture idea that I'm going to try to launch next year. One thing I never want to do is oversell and underperform and certain sales personalities (like exaggerators) bug me. But I can see this as being helpful with quick pitches. anyway, any recommendations on getting better at pitchi...
by ThankYouJack
Thu Nov 09, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: FSA Worth the Hassle?
Replies: 11
Views: 1288

Re: FSA Worth the Hassle?

Thanks all for the responses. It's through my wife's employer and they recently switched FSA providers. Seems really confusing to even just sign up.

If it's too much time, maybe we'll just consider it a donation to help pay down the national debt :P
by ThankYouJack
Thu Nov 09, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: FSA Worth the Hassle?
Replies: 11
Views: 1288

FSA Worth the Hassle?

I believe that is typically is, but my wife's plan is quite a pain. It's even tough signing up and then getting reimbursed. We'll have about $2,500 in childcare costs. So we might save ~$800 in tax. But I believe we would save $2,500 x 20% = $500 in taxes with the child care tax credit, correct? So ...
by ThankYouJack
Wed Nov 08, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1743

Re: Gifts for a marathoner

Great, thanks all. Much appreciated. I know she's read a couple of those books but definitely not all. Safety gear is a safe choice, e.g., something like this: https://www.rei.com/product/842482/amphipod-vizlet-flashing-led-reflectors-yellow-package-of-2. I'd shy away from buying personal items such...
by ThankYouJack
Tue Nov 07, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1743

Gifts for a marathoner

I'm looking to get a gift for someone who inexplicably enjoys running 26.15 more miles than me. Was thinking maybe an inspiring book, or that gives a history and overview of famous ones (she's done Boston and NYC).

Could spend up to $50 or a bit more if something stands out.

Any recommendations?
by ThankYouJack
Mon Nov 06, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund to Fund Starting a 501c3
Replies: 10
Views: 854

Donor Advised Fund to Fund Starting a 501c3

I've thought about setting up a donor advised fund in the past but have yet to do so. I'm now planning to start a non-profit (probably 501c3) where I'll probably be the main funder for the first couple years. If I have a donor advised fund could I use that to fund my non-profit? I'll be looking for ...
by ThankYouJack
Wed Oct 25, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1207

Re: Very social, impactful, fun job ideas?

Can't get much more social than my low paid, part time job in the village library! Few employees mean we wear lots of different hats. I've done Preschool Storytime, Teen Drama Club, Summer Reading Program. I manage the library's social media and website. I answer reference questions and help patron...
by ThankYouJack
Tue Oct 24, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1207

Re: Very social, impactful, fun job ideas?

Thanks all. I have a couple friends teach at community colleges and others who started non-profits so I can inquire more along those lines. I taught snow skiing for 6 years after retirement from my corp 500 job. I taught kids to ski all winter for the first 4 years and then adults for the next 2 yea...
by ThankYouJack
Tue Oct 24, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Very social, impactful, fun job ideas?
Replies: 8
Views: 1207

Very social, impactful, fun job ideas?

My family is getting close to having "enough" and I'm starting to think of second careers during semi-retirement. I'll be pretty picky as I already like my work set up. But I want something where I could have a bigger impact. - won't want a lot of meetings or emails - want to be social, and have an ...
by ThankYouJack
Mon Oct 23, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2460

Re: Renting A Winter Escape For A Month

For the Florida Keys where would your recommend? Looking for a 2-3 bedroom with 2 young kids (pool, close-ish to beach / state parks would be ideal. We've stayed at Hawk's Cay which we absolutely loved, but they're not taking reservations now as they do repairs. Also, how does Captiva compare with ...
by ThankYouJack
Mon Oct 23, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2460

Re: Renting A Winter Escape For A Month

For the Florida Keys where would your recommend? Looking for a 2-3 bedroom with 2 young kids (pool, close-ish to beach / state parks would be ideal. We've stayed at Hawk's Cay which we absolutely loved, but they're not taking reservations now as they do repairs. Also, how does Captiva compare with t...
by ThankYouJack
Mon Oct 23, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: negotiating a home purchase (price reduction v work done by seller)
Replies: 9
Views: 709

Re: negotiating a home purchase (price reduction v work done by seller)

How much will the repairs cost? Also, does the flipper have a lot of experience with great previous work? If the repairs are something they don't want to or can't do, I may be concerned that the house was more than they could handle. If cashflow is tight and you'll need money soon, I wouldn't pay cl...
by ThankYouJack
Mon Oct 23, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Part time (not near retirement)
Replies: 6
Views: 485

Re: Part time (not near retirement)

The conversation between my wife and I went something like "when we look back in our 70s do you think we will have wished we worked more or spent more time with the kids?". The choice was obvious. My thing is similar: When I'm on my death bed, I don't think I'll be looking back thinking "I wish my ...
by ThankYouJack
Mon Oct 23, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Part time (not near retirement)
Replies: 6
Views: 485

Re: Part time (not near retirement)

She makes good money (low six figures) and this is I guess considered our prime earning years (in our low 30s). What should we consider before pulling the trigger on this? I would say these should be your prime living years. I had a full-time job and did consulting before our first was born. Droppe...
by ThankYouJack
Fri Oct 13, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 5221

Re: Outback Vs Forester Vs CR-V ??

If you're driving on any snow, ice or sand the Outback will be tough to beat. Also, last I checked (a few years ago) Subaru had some of the top safety tech within it's class.
by ThankYouJack
Tue Oct 10, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: How are social security survivor benefits calculated?
Replies: 3
Views: 568

Re: How are social security survivor benefits calculated?

^ Thanks for the response. It seems quite confusing to me. I died today (under 40), I'm wondering roughly how much my spouse and 2 kids would get.

The referenced article says:
"A child under age 18 (19 if still in elementary or secondary school) or disabled -- 75 percent."

75% of what?
by ThankYouJack
Tue Oct 10, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How are social security survivor benefits calculated?
Replies: 3
Views: 568

How are social security survivor benefits calculated?

My current survivor benefits are about $2k per child (2) and spouse (only 1 :D ) and up to ~$4,500 / month. But the SSA still has my income from when I was full-time and my income has reduced in half. How should I expect that to affect the benefits?
by ThankYouJack
Tue Oct 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2278

Re: When to buy new tires? - penny or quarter test

Thanks for the replies. Wound up going with the top rated ones for my car (Michelin Premier A/S) for under $900 OTD with 60k warranty, free alignment and tire rotations. In the past I probably would have waited or gone cheaper but try to skimp much less on things now.
by ThankYouJack
Mon Oct 09, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2278

When to buy new tires? - penny or quarter test

I've heard of the penny test but it looks like Consumer Reports and others recommend replacing tires sooner - https://www.consumerreports.org/tires/when-to-replace-your-tires/ I know a lot of people replace their batteries early on here but who replaces tires at ~4/32" instead of 2/32"? Seems to mak...
by ThankYouJack
Wed Oct 04, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Comparing cost of two homes
Replies: 3
Views: 419

Re: Comparing cost of two homes

What do you mean by "annual cost" and "two different homes"? Do you mean the carrying costs of two different loan amounts? The annual maintenance costs? I'm not sure there is such a tool for the latter since the costs are unknowable (except for things covered by a condo association which would be p...
by ThankYouJack
Wed Oct 04, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Comparing cost of two homes
Replies: 3
Views: 419

Comparing cost of two homes

I love the NYT rent vs buy calculator and was wondering if there's anything similar to compare the annual costs of two different homes.
by ThankYouJack
Mon Oct 02, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 803

Re: Pressure washer with telescoping wand and bleach spray

Thanks all. A few sections I just need to spot clean so I picked up a long extension pole and scrub brush. Will probably do a diluted bleach solution and just hose it down after. I have this unit that I purchased from Amazon to clean the gutters on my two story house without having to get on ladders...
by ThankYouJack
Mon Oct 02, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: Pressure washer with telescoping wand and bleach spray
Replies: 10
Views: 803

Pressure washer with telescoping wand and bleach spray

I'm looking to pressure wash my 2 story home without using a ladder that much (especially on the side of the house where it's quite sloped). I'd like to apply a cleaning solution first (bleach plus water?) and then get it with water.

Any recommendations for gear and how to best tackle the job?
by ThankYouJack
Mon Oct 02, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: camping trailer...need to change vehicle?
Replies: 44
Views: 2768

Re: camping trailer...need to change vehicle?

Towing capacity I believe also should include passengers and gear. So if you have 1,000 lbs of passengers and gear in your car, add that to your camper. Another thing to point out is fuel economy. If you're towing near max it could really hurt your fuel economy. Diesel could be worth it. You may als...
by ThankYouJack
Sun Oct 01, 2017 8:57 am
Forum: Personal Consumer Issues
Topic: Small "adventure" cooler recommendations
Replies: 5
Views: 654

Re: Small "adventure" cooler recommendations

I wound up going with an Engel Cooler Bag. Was $100, but I've seen Engel outperform Yeti with certain ice tests so know they make a quality brand and the functionality of the cooler seems perfect for family beach days and short camping trips - https://www.youtube.com/watch?v=tMhRU6kFTbA
by ThankYouJack
Fri Sep 29, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Increasing service costs instead of donations
Replies: 7
Views: 419

Increasing service costs instead of donations

I want to start giving back more, especially to help my community. We donate to a few charities, including some small local ones but am considering increasing the price I pay for services. Granted there's no tax deduction, but paying someone directly in my community for help and establishing a great...
by ThankYouJack
Thu Sep 28, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1463

Re: Good camping sleeping pad

The secret to good car camping is a good cot. I recommend EZCot. Super easy to set up and take down. Then put a thermarest base camp pad on top of it. It's almost as good as my bed at home and I don't mind sleeping on it for a week or more at a time. I just tried some out at REI and I think you hit...
by ThankYouJack
Thu Sep 28, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Small "adventure" cooler recommendations
Replies: 5
Views: 654

Re: Small "adventure" cooler recommendations

^ Good to know - the Ozark Tote looks nice. I may swing by my local Walmart to see if they have it on hand. I stopped by REI but they didn't have Ice Mules in stock. The classic is 10L which I realize is small when I look at my 10L dry bag. I also saw an Aqua Quest on Amazon - 12L for $40.
by ThankYouJack
Thu Sep 28, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Small "adventure" cooler recommendations
Replies: 5
Views: 654

Small "adventure" cooler recommendations

I'm looking to buy a small cooler for camping adventures. I don't need a Yeti, but want something better and more versatile than my $5 foam cooler or large basic beach cooler. The Icemule - https://www.rei.com/product/896374/icemule-classic-cooler is appealing because of it's softshell and waterproo...
by ThankYouJack
Thu Sep 28, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1463

Re: Good camping sleeping pad

Thanks all. Seems like I can't go wrong with Thermarest. Some are pricer than I was planning to spend, but I've gone cheap in the past and have never been super satisfied. I'll go to an outdoor store to try some out to see how they feel. Will probably buy from REI or another store with great return ...
by ThankYouJack
Wed Sep 27, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1463

Good camping sleeping pad

I'm looking for a comfortable camping sleeping pad mostly car camping as I already have a hiking sleeping pad. I'd still like something that packs relatively small. I may go to an outdoor store so I can try some out. Any tips and what should I look for?
by ThankYouJack
Mon Sep 25, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Wait on 529 if you may want to liquidate before college?
Replies: 7
Views: 614

Re: Wait on 529 if you may want to liquidate before college?

OP, There is a significant tax advantage if you have a large taxable account when you early retired. You have the flexibility of minimizing your tax burden by spending money from different account depending on the tax situation of each year. KlangFool That's a good point. We could be paying 0% on t...
by ThankYouJack
Mon Sep 25, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Wait on 529 if you may want to liquidate before college?
Replies: 7
Views: 614

Re: Wait on 529 if you may want to liquidate before college?

I don't consider a 10% penalty on "earnings" too harsh for the ability to potentially invest tax-free for 20 years. The penalty is 10% on earnings, plus earnings taxed at income tax rates and not LTCG rates. So earnings on non-qualified withdrawals will be taxed about 25% more compared to earnings ...
by ThankYouJack
Mon Sep 25, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Wait on 529 if you may want to liquidate before college?
Replies: 7
Views: 614

Wait on 529 if you may want to liquidate before college?

My state doesn't offer a tax advantage for 529s. We're on a great path towards financial independence well before our kids enter college and have a lot of tax-advantage space. We shouldn't have a problem paying for college when the time comes and if our kids have to pay some, we're fine with that as...
by ThankYouJack
Sun Sep 24, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12130

Re: Lifestyle Creep

Why is life style creep is such a bad thing? Isn't that what's money is for -- the more you accumulate the better life you can live? We could afford a much bigger house and fancier things but we're spending more on quality food, travel, hobbies, giving, saving time, on "nicer" cars. I don't regret a...
by ThankYouJack
Thu Sep 21, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Tips/Steps for selling a car
Replies: 19
Views: 1450

Tips/Steps for selling a car

I'm looking to sell a car. It's not worth much so I'd rather sell quick than deal with lots of buyers checking it out. I'm planning to list all known issues and say my price is firm cash only. Are these the best steps: 1. Get signature notarized on title - I believe I can do this without the buyer b...
by ThankYouJack
Tue Sep 19, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4154

Re: Worth buying an excessive priced house?

Well, we drove around an area we'd be interested in today and saw some setups that appealed, but they all had huge homes - way bigger than we would want. Even though we could probably afford them it would seem wasteful to us and extra work and definitely not worth the money. I also realized that mos...
by ThankYouJack
Mon Sep 18, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4154

Re: Worth buying an excessive priced house?

Lots of people getting caught up on this. You have a high enough income you can afford the house - just depends how you want to prioritize your re$ource$. Some comments about pools - might be low cost or could have settlement/root issues that cause $. There is some element of chance - can't prepare...
by ThankYouJack
Mon Sep 18, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4154

Re: Worth buying an excessive priced house?

After working, sleeping, eating, bathing and family responsibilities, how much time is left? The answer: not enough I think you know the answer. But, you may have to do it to find out. The "balance time" is precious. I've come to try to do a lot to protect it. Every extra chore, duty, gadget, toy s...
by ThankYouJack
Mon Sep 18, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 4154

Re: Worth buying an excessive priced house?

After working, sleeping, eating, bathing and family responsibilities, how much time is left? The answer: not enough I think you know the answer. But, you may have to do it to find out. The "balance time" is precious. I've come to try to do a lot to protect it. Every extra chore, duty, gadget, toy s...