Search found 1842 matches

by ThankYouJack
Sun Jan 07, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 10
Views: 1271

Re: Liability Issues with Organizing Meetup Events

I organized a large group boating event for 15 years (50+ people). It was fine until we got some hot doggers who decided they were going to do what they wanted, regardless of boating laws and risky behavior. We had regular safety meetings, signed waivers, etc. But when the risky behavior got trucul...
by ThankYouJack
Sun Jan 07, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Liability Issues with Organizing Meetup Events
Replies: 10
Views: 1271

Liability Issues with Organizing Meetup Events

I'm a member of a pretty large organization and have been asked to organize some outings on Meetup.com. I've also thought about starting my own organization and having a Meetup group for it. All of the activities will be legal and I obviously wouldn't force anyone to do anything, but they will be a ...
by ThankYouJack
Sat Dec 23, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4032

Re: Different ways to order coffee

I enjoy these coffee threads. Personally, I do not like consuming hot liquids. It's a preference as opposed to a sensitivity issue, but it closes off the world of soups and hot coffee varieties. I used to love iced coffee but thanks to one of these threads last year switched to cold brew which I fi...
by ThankYouJack
Fri Dec 22, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4032

Re: Different ways to order coffee

Disclosure: I'm into coffee, I really like coffee, I can be particular about coffee, but I've happily consumed crappy diner coffee and dunkin donuts in the last week. WS1, I do not like Dunkin Donut but their coffee is actually pretty good. I prefer their coffee much more than the Starbucks. KlangF...
by ThankYouJack
Thu Dec 21, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Tony Robbins, Jack Bogle and Unshakeable
Replies: 0
Views: 336

Tony Robbins, Jack Bogle and Unshakeable

Seems like Tony Robbins and Jack Bogle have great admiration and respect for each other. He interviewed many financial gurus for his book on Money, yet often reference Jack Bogle's advice. I'm listening to this podcast now - https://www.tonyrobbins.com/podcasts/in-pursuit-of-your-why/ and it starts ...
by ThankYouJack
Thu Dec 21, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Coffee / Espresso Maker
Replies: 5
Views: 659

Re: Coffee / Espresso Maker

Thanks all. Doesn't seem worth the $ to me at this point since I don't drink them that much. But good to know for down the road.
by ThankYouJack
Wed Dec 20, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4032

Re: Different ways to order coffee

Americans like big cups of coffees, Europeans like small cups. At breakfast in a European hotel, I asked for American coffee. The waitress brought me a small cup of European coffee and a big cup of hot water. I asked her where is my American coffee. She said: just add the water in the coffee. Same ...
by ThankYouJack
Wed Dec 20, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Coffee / Espresso Maker
Replies: 5
Views: 659

Coffee / Espresso Maker

My other coffee post - https://www.bogleheads.org/forum/viewtopic.php?f=11&t=235111&newpost=3673367&view=unread#unread got me thinking about maybe I should buy a new coffee maker - I've had the same basic one for a while and enjoy good, fresh, light/medium roast coffee. My wife enjoys lattes and I m...
by ThankYouJack
Wed Dec 20, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 11728

Re: A meal with friends yields a financial revelation

Awesome! :sharebeer I've had a similar epiphany, where I realize I don't need to worry about money. I don't have to worry about employment or reaching a specific number. It is a sense of freedom a weight off the shoulders and being able to reduce work and live a fuller life. A lot for me is from chi...
by ThankYouJack
Wed Dec 20, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4032

Re: Different ways to order coffee

Thanks for the replies. Some good stuff, and I guess it's not just in my head :) I definitely have preferences to some local roasters and typically buy fresh whole beans and grind it just before roasting. I just think it tastes better especially considering the price difference won't set me back in ...
by ThankYouJack
Wed Dec 20, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4032

Re: Different ways to order coffee

I like a light roast cold brew personally, but will also get a drip and drink it black or add a bit of sugar and milk if it tastes bitter. Is there a noticeable difference in taste between say a drip, pour over, Americano, etc if all is equal? What would you say is the best and/or less bitter? I'm ...
by ThankYouJack
Wed Dec 20, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4032

Different ways to order coffee

I like a light roast cold brew personally, but will also get a drip and drink it black or add a bit of sugar and milk if it tastes bitter.

Is there a noticeable difference in taste between say a drip, pour over, Americano, etc if all is equal? What would you say is the best and/or less bitter?
by ThankYouJack
Tue Dec 19, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3739

Re: Mentally loosening the strings

I appreciate the wide range of replies and great tips. The main thing for me is to not shortchange my life as I have the means to enjoy the "steak" instead of always opting for the "cheeseburger". But many prefer "cheeseburgers" over "steak" so that's a win-win. It comes down to personal preferences...
by ThankYouJack
Tue Dec 19, 2017 3:01 pm
Forum: Investing - Theory, News & General
Topic: Who missed out on maximizing 401k?
Replies: 62
Views: 5681

Re: Who missed out on maximizing 401k?

I missed out by a few thousand because of a change in employment and delays with our paychecks going through. I feel every American owes me a thank you for helping pay extra towards our national debt :D
by ThankYouJack
Mon Dec 18, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3739

Re: Mentally loosening the strings

I don't think you would have as much trouble scaling back as you think you might since it is so hard for you to spend more in the first place. Seems to me that you are appropriately thoughtful before spending money but then perhaps sometimes a little too hesitant to spend it after careful considera...
by ThankYouJack
Mon Dec 18, 2017 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3739

Re: Mentally loosening the strings

Ok maybe not the best thread title :wink: but my wife and I both grew up in homes where money was a concern, so we're naturally big savers. We're fortunate with job success and no longer worry about finances, but still have trouble splurging. We don't feel we need a bigger house or nicer cars, but ...
by ThankYouJack
Mon Dec 18, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3739

Re: Mentally loosening the strings

Exactly what is the problem that you need to overcome? I don't see any. Are you unhappy with your current spending patterns? I'd say over-analysis on cost/value benefit and often not making a decision. Even with things like furniture if we want to go medium to high-ish end. And feeling like certain...
by ThankYouJack
Mon Dec 18, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3739

Re: Mentally loosening the strings

Exactly what is the problem that you need to overcome? I don't see any. Are you unhappy with your current spending patterns? I'd say over-analysis on cost/value benefit and often not making a decision. Even with things like furniture if we want to go medium to high-ish end. And feeling like certain...
by ThankYouJack
Mon Dec 18, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Mentally loosening the strings
Replies: 36
Views: 3739

Mentally loosening the strings

Ok maybe not the best thread title :wink: but my wife and I both grew up in homes where money was a concern, so we're naturally big savers. We're fortunate with job success and no longer worry about finances, but still have trouble splurging. We don't feel we need a bigger house or nicer cars, but c...
by ThankYouJack
Sat Dec 16, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Personal / Professional Development Material
Replies: 0
Views: 182

Personal / Professional Development Material

My wife and I have done well career wise, live way below our means and are in great shape to reduce way down with work or early retire. So we're considering career shifts and both enjoy trying to grow personally and do work that we get lost in and is meaningful. I may pick up the book Find Your Why....
by ThankYouJack
Sat Dec 16, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Door Replacement
Replies: 5
Views: 789

Re: Dryer Vent Door Replacement

Thanks all. The caulk was a pain to remove as the amount seems quite excessive. I wound up using GooGone, a caulk remover tool, razor blade, screw drivers, and pliers :) I picked up one of the vents that goes up, but that didn't fit as the base was too wide. So I got a typical cheap one with a flap ...
by ThankYouJack
Fri Dec 15, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Door Replacement
Replies: 5
Views: 789

Dryer Vent Door Replacement

My dryer vent door wasn't closing well, so I cleaned off the lint and one of the clips holding the door in place snapped. The vent has a hood so it's tough to reach where the clip broke. It's also sealed with caulking glue(?) not screws so I'm not sure how to remove it and replace the whole thing. A...
by ThankYouJack
Tue Nov 28, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Toilet tank not refilling
Replies: 5
Views: 656

Re: Toilet tank not refilling

Thanks all. I had removed the lid, but problem was it works the majority of the time so I can't recreate it on demand. I noticed the flapper is adjustable and it was doing sort of a double flush. So I moved the float cup to the bottom and set the flapper to min (1.6gpf). The flapper closes down much...
by ThankYouJack
Tue Nov 28, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Toilet tank not refilling
Replies: 5
Views: 656

Toilet tank not refilling

I replaced the toilet fill valve on my toilet a few months ago and it was working fine. But now, maybe once out of every 10 flushes the tank doesn't refill. All it takes is a slight push on the adjuster arm of the fill value and water then goes through and it refills properly. Could the fill valve a...
by ThankYouJack
Tue Nov 28, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2871

Re: Christmas gifts for lots of kids (experiences or stock)?

Stocks? Really? I get the investing in their future thought but really how exciting is that for a kid? I remember the fond memories of waking up early on Christmas morning to the sight of multiple gifts under the tree and all us kids being exciting to open our gifts, seeing what our siblings had be...
by ThankYouJack
Tue Nov 28, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11551

Re: After financial independence, do you lose motivation for work?

I'm not quite there yet. But as I get closer and keep reducing down, I think I lose motivation to work, but not become lazy. The motivation shifts to living life to the fullest.
by ThankYouJack
Wed Nov 22, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 728

Re: Transfer to a Vanguard Brokerage account?

But would a brokerage account make it easier to specify lots to transfer money into a fidelity donor advised fund? I'm not sure if that's possible with a vanguard mutual fund account so I could see that as a positive. I recently set up a Fidelity DAF and funded with appreciated shares in my Vanguar...
by ThankYouJack
Wed Nov 22, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Transfer to a Vanguard Brokerage account?
Replies: 11
Views: 728

Transfer to a Vanguard Brokerage account?

I receive this message when I sign onto Vanguard: Transition to a Vanguard Brokerage Account by December 8, 2017—for free! It lists a few benefits saying things can be streamlined. I'm not sure I'd see a benefit though as I keep things quite simple. But would a brokerage account make it easier to sp...
by ThankYouJack
Wed Nov 22, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2871

Re: Christmas gifts for lots of kids (experiences or stock)?

Contrary to most of the posts above, I think it's actually a good idea to give them a stock or maybe even some shares of the Total Stock Market index IN ADDITION TO a fun gift they an open and play with. Each year, you could include a short note to start teaching them about investing and the value ...
by ThankYouJack
Tue Nov 21, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 50
Views: 10743

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

There's a big difference between cost of living and average annual expenditures for 65 and older. Just because the Joneses are spending a ton in Hawaii because they have tons to burn, doesn't mean a Boglehead needs to.
by ThankYouJack
Tue Nov 21, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2871

Re: Christmas gifts for lots of kids (experiences or stock)?

Thanks all. We may just do cash -- in the past we have hidden in containers of play-doh and have also made origami with it so they don't know what bill it is until they unfold it. Custom books are good for little kids, but we've been given hundreds of books and have about 5 custom ones. We store the...
by ThankYouJack
Tue Nov 21, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Daycare Parting Gift
Replies: 16
Views: 1156

Re: Daycare Parting Gift

We give cash. I have a lot of friends and family who are teachers and that's what they say they prefer. They say they don't need more mugs or food :) Teachers often aren't paid enough and great ones could be making more money doing other things. They're spending a lot of time helping improve our chi...
by ThankYouJack
Tue Nov 21, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Christmas gifts for lots of kids (experiences or stock)?
Replies: 36
Views: 2871

Christmas gifts for lots of kids (experiences or stock)?

Having a couple young kids myself, I realize gifts are often played with two days then they go in a bin. I'm not a big gift giver/receiver or materialistic person myself. We have a bunch of kids we buys for of varying ages and locations. Was wondering if we could get everyone the same thing, ideally...
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: 978

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: 978

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: 1829

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: 38
Views: 2535

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: 38
Views: 2535

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: 179
Views: 15755

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: 38
Views: 2535

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: 1340

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: 1340

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: 936

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: 936

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: 1425

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: 1425

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: 1944

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: 1944

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: 978

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: 1321

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...