Search found 176 matches

by zimmer0
Wed Oct 04, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3030

Re: Simple Notebook/laptop

simple internet browsing, email, youtube playback, no CD-ROM requirement...tough to beat a Google Chromebook IMO
by zimmer0
Tue Aug 15, 2017 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Spending help: Best use for $800 per month ?
Replies: 18
Views: 1685

Re: Spending help: Best use for $800 per month ?

i would suggest doing what makes your wife happy. Not knowing the details of day care, is it a month to month? 6mo? 1yr? Try each option as the costs are equal.
by zimmer0
Mon Jun 26, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Moving Expenses:
Replies: 3
Views: 357

Re: Moving Expenses:

Used United Van Lines in 2016 for a 400mi move. All inclusive move (pack, load, unload). We only filled maybe 3/4 of a 18wheeler trailer and it ran about $4000-4500. This was an employer sponsored move so no help on the deductions.
by zimmer0
Wed Jun 07, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Tired of dealing with incompetent repairmen
Replies: 6
Views: 1220

Re: Tired of dealing with incompetent repairmen

You get what you pay for :sharebeer
by zimmer0
Mon Jun 05, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 7697

Re: Pimp my DW's ride.

If you do go for a matte paint job instead of a wrap be sure you are paying a lot for it and to a really nice shop. Matte shows defects worse than just about any other kind of paint. I can't tell you how many crappy matte paint jobs i've seen rolling around. Additionally there are different cleanin...
by zimmer0
Mon Jun 05, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Pimp my DW's ride.
Replies: 96
Views: 7697

Re: Pimp my DW's ride.

Maserati for sure...wrap it and apply a ceramic coating, although you may want to check on the protections the wrap already provides. Im no expert but i'd assume theres some UV protection of some sort, could be wrong. Simple hand wash will be fine. I believe you care for it just like any other paint...
by zimmer0
Wed May 31, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 7009

Re: Does anyone treat taxable as a "someday fund"?

The Wizard wrote:
zimmer0 wrote:How soon is too soon to start a taxable account if you are aiming for FIRE?
Max two Roth's but not 401k yet.
General rule seems to be: max your tax sheltered accounts first...
Figured this to be the suggestion...however, prior to age 59.5 where does typical FIRE funding stem from?
by zimmer0
Wed May 31, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 7009

Re: Does anyone treat taxable as a "someday fund"?

How soon is too soon to start a taxable account if you are aiming for FIRE?
Max two Roth's but not 401k yet.
by zimmer0
Tue Feb 21, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 740

Re: Auto Finance question

subbed for further input on lightstream. Have cash to pay outright but would rather have cash on hand.
by zimmer0
Thu Jan 26, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)
Replies: 12
Views: 1651

Re: Any opinions on VDIGX vs VIG? (Vanguard Div Growth vs Div Apprec)

With an expense ratio of .33, is VDIGX outperforming other funds of a similar type (or general market index funds for that matter) enough to make it worth holding onto? 17.3% from last year so suppose if you have it (I do), you can't complain too much PS, I believe they closed this fund to new inve...
by zimmer0
Sun Jan 15, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1643

Re: Where to get HID (Xenon) kit?

Placing a plug and play HID kit into your stock halogen housing is not the correct solution especially when accounting for other drivers safety. Yes the HID kit will produce more light for you but will cause ungodly amounts of glare for oncoming traffic due to the design of the halogen housing. A hi...
by zimmer0
Sun Dec 11, 2016 6:20 pm
Forum: Personal Consumer Issues
Topic: Looking for a Mattress
Replies: 37
Views: 4088

Re: Looking for a Mattress

Just bought a clearance serta hybrid style, normally $3400, for $1040 from Sleep Experts. Few steps above our traditional inner spring Serta we've been sleeping on.
I have a feeling youll have a tough time getting away from tempurpedic after sleeping on it for so long.
by zimmer0
Thu Dec 01, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 53
Views: 7433

Re: Buy iPhone 7 or Wait for iPhone 8

Im personally waiting for iPhone 10 to come out :wink:
by zimmer0
Tue Nov 01, 2016 10:26 pm
Forum: Personal Consumer Issues
Topic: Dealer/Manufacturer Financing
Replies: 2
Views: 431

Re: Dealer/Manufacturer Financing

Phone call? :oops:
Tv commercials, newspaper ads, website.

Your rate will be dependnt on your credit score and a few other factors
by zimmer0
Thu Oct 20, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: marcellus mineral rights
Replies: 15
Views: 1637

Re: marcellus mineral rights

If he is recieving a monthly check from a well on his property it is a royalty not a dividend. With that being said as a Geologist in the Energy industry trying to value land is a great question in our field. USUALLY if the company is fair it will offer a validation of 5 to 6 times the cash flow of...
by zimmer0
Wed Oct 19, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. $50,000 yearly salary with no debt, no dependents, and $500 a month overhead. Thoughts?
Replies: 15
Views: 2886

Re: New military officer. $50,000 yearly salary with no debt, no dependents, and $500 a month overhead. Thoughts?

Thank you for your service.
Received some great advice above so no need to echo.
My brother is currently in Pensacola as well, you may/may not know him, would be easy to figure out utilizing my username.
by zimmer0
Tue Oct 18, 2016 4:39 pm
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7302

Re: Cell phone service abroad

Use the app Viber.
Free calls, text, etc.

/thread
by zimmer0
Fri Sep 23, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 28
Views: 2879

Re: Cancun, Grand Cayman or Other Caribbean Islands

Wife looking to go to warm beach this January. We have a 3-year old and a baby, so we will likely be stuck in the hotel or nearby area. Looking for a direct flight out of Philly PA or Newark NJ. Where do you suggest we can go? Is Cancun a safe area? Since we won't be going diving or snorkeling, is ...
by zimmer0
Thu Sep 15, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 13502

Re: Favorite Coffee

Community Coffee - Cafe Special
CC - Breakfast Blend
by zimmer0
Thu Aug 25, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 43
Views: 3743

Re: Should I replace my Samsung Galaxy S4?

I would consider looking at the a number of android blog style sites. AndroidPolice, AndroidCentral, DroidLife. They do unbias reviews of other phones besides flagships that are $100's cheaper than the Galaxy Line and other mainstream phones. Want to say the Moto G is one of the best bang for your b...
by zimmer0
Mon Aug 15, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: ITunes app for kids gadget time limits
Replies: 9
Views: 852

Re: ITunes app for kids gadget time limits

no app needed, take the devices away...kick them outside. :sharebeer
by zimmer0
Tue Aug 09, 2016 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Best place to get loan for Truck?
Replies: 9
Views: 833

Re: Best place to get loan for Truck?

Utilize dealer financing to get the additional $750 off the purchase then immediately refinance through your local credit union or insurance provider. State Farm gave me 2.34% and that was back in '13
by zimmer0
Wed Jul 27, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4581

Re: Comcast - lease modem/router or buy?

To piggyback off this thread. Currently have Frontier (Verizon Fios), anyone have a compatible modem that works with their cable box and wifi.

I was told my old cable style modem (arris 6182) and Netgear wifi router was no good with their service.
by zimmer0
Tue Jul 26, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: HELP - After Market Rims?
Replies: 14
Views: 1218

Re: HELP - After Market Rims?

non-BH when it comes to personal vehicles checking in...

i think those wheels would actually look good on the car you're considering. I'd drop the ride height 1-2" with a set of performance coilovers/springs so it hugs the tire a little better. :beer
by zimmer0
Mon Jul 18, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Term Life
Replies: 14
Views: 1447

Re: State Farm Term Life

I'm considering bundling my term life insurance with my renters and auto insurance via state farm. They have a typical term life policy but also a return of premium term life policy. The literature/selling point i was given is the return of premium policy would require a 6.xx% guaranteed return els...
by zimmer0
Mon Jul 18, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Term Life
Replies: 14
Views: 1447

State Farm Term Life

I'm considering bundling my term life insurance with my renters and auto insurance via state farm. They have a typical term life policy but also a return of premium term life policy. The literature/selling point i was given is the return of premium policy would require a 6.xx% guaranteed return else...
by zimmer0
Wed Jul 13, 2016 7:50 am
Forum: Personal Finance (Not Investing)
Topic: I am doing this! First time Home Buyer. How do you choose an Attorney?
Replies: 16
Views: 1685

Re: I am doing this! First time Home Buyer. How do you choose an Attorney?

I have bought three homes and never "hired" an attorney. State laws can vary, but in MD you choose a title company (who has attorneys), and work with them. You get to pick the title company and can shop around. M. This and ditto to asking family/friends. I received a discount for their se...
by zimmer0
Mon Jul 11, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Selling A Car that Needs A Paint Job
Replies: 13
Views: 1352

Re: Selling A Car that Needs A Paint Job

Plastidip it. Get it done professionally (out of a gun) and it can look great. Roughly $800, maybe cheaper depending on color and finish
by zimmer0
Wed Jun 22, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: Ponze Scheme Involving Athletes.
Replies: 4
Views: 840

Re: Ponze Scheme Involving Athletes.

they should take advice from marshawn lynch :moneybag :moneybag
by zimmer0
Fri Jun 17, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Comcast vs FiOS vs Sling TV
Replies: 19
Views: 8322

Re: Comcast vs FiOS vs Sling TV

I don't have TV or phone services. I'm looking into getting TV service but the cost doesn't seem to justify it... Then why not stay away from it? Seriously - if you are able to live without it happily today why get started! Unfortunately my family is too used to having it for me to be able to cut t...
by zimmer0
Tue Jun 14, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 2832

Re: Selling to rent, where to put cash?

A potential tax implication has been brought up to me. Beings i owned my home for less than a year and ill be selling at a profit....is there tax implications if i do not utilize my profits in a certain time period for another home purchase? Will i need to pay taxes on this regardless? Yes, you wil...
by zimmer0
Mon Jun 13, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 2832

Re: Selling to rent, where to put cash?

Put me down as being in the same boat. Not nearly the amounts you guys are profiting but a nice return (+58k) for only owning our home for less than a year. We are moving to for a job transfer that will carry a 2yr contract at the least. I was planning on saving the proceeds in discover bank for a ...
by zimmer0
Wed Jun 08, 2016 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Selling to rent, where to put cash?
Replies: 17
Views: 2832

Re: Selling to rent, where to put cash?

Put me down as being in the same boat. Not nearly the amounts you guys are profiting but a nice return (+58k) for only owning our home for less than a year. We are moving to for a job transfer that will carry a 2yr contract at the least. I was planning on saving the proceeds in discover bank for a f...
by zimmer0
Mon Jun 06, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 3468

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Subscribed.
Just moved tomthe DFW area so appreciate the suggestions.
Ive tried Anamia's (spicy guac made at your table) in Coppell and Cristinas in Lewisville, both had plus and minuses but overall quite good.
by zimmer0
Tue Mar 29, 2016 10:58 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

Will be visiting the area in the next few weeks and looking for things to do for the wife to warm up to the idea of moving. Really up for anything...live music, festivals, local hotspots/restaurants, attractions, etc.
by zimmer0
Fri Mar 18, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

The reassurance of job opportunities for the wife is one of the bigger factors for her atleast. I joke with her saying she could be doing hair for the Cowboy's Cheerleaders. Ideally we'd need that 2nd income to be able to afford something in the Flower Mound area that she can be proud of. Currently ...
by zimmer0
Fri Mar 18, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

Thank you all for the recommendations. I think we'll book an appointment with a realtor to show us around 1 day we are there to get a better feel for the areas mentioned as well as looking at rentals. Being newly weds (4/15/16) will be a tough task in itself, adding the stress of a move, selling our...
by zimmer0
Wed Mar 16, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

Thanks for the recommendation. We will have atleast 60 days of temporary housing provided, may be able to squeak out another 30 days to make the transition/decision on an area. Searching zillow, the Keller/North Richland Hills/North FW area seems to give you a nice bang for your buck and its more in...
by zimmer0
Wed Mar 16, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

We have a tentative date set to visit the area for 3-4 days. Any realtor recommendations? Particular areas to visit besides those mentioned already?
by zimmer0
Tue Mar 15, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

Why don't you guys rent for a year? You're both young and don't have kids; no need to worry about schools, or yard size yet . There is so much variance between Southlake/Grapevine/Colleyville and Flower Mound/Coppell/Lewisville, and Denton/Argyle/Justin are nothing like Plano/Richardson/Allen. Rent...
by zimmer0
Tue Mar 15, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

The Harvest development you linked looks appealing and close to where i'd be working (~15mi). We are unsure of where'd she be working but have looked into a couple options that wouldn't be that far of a drive from this area. A couple of areas for her to look into are the Highland Village/Flower Mou...
by zimmer0
Tue Mar 15, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Re: Dallas Metro Area

We are coming from an area of about 120k ppl. in Louisiana. We also commute to our offices currently so we aren't opposed to it nor were we expecting to be able to walk/public trans. The Harvest development you linked looks appealing and close to where i'd be working (~15mi). We are unsure of where'...
by zimmer0
Tue Mar 15, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Dallas Metro Area
Replies: 28
Views: 3137

Dallas Metro Area

Have been offered a promotion that would move my wife and i to the Dallas Metro Area. The position is in Flower Mound, TX to be exact (NW of Dallas). The issue we are having is we will be moving to this new area initially on one salary as she is a hair stylist and will need to rebuild clientele in a...
by zimmer0
Thu Feb 11, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 43
Views: 3677

Re: Relocating for a job--lots of life changes

actually going through this exact situation with a possible relocation.

Subscribing for further insight/advice.
by zimmer0
Mon Feb 08, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Go Pro camera
Replies: 7
Views: 883

Re: Go Pro camera

Would also look into the SJ brand of action cameras. Go Pro like quality at a fraction of the cost. Search youtube for comparison videos
by zimmer0
Tue Jan 26, 2016 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Company 401k Matching
Replies: 6
Views: 913

Re: Company 401k Matching

6 month contract, 100% vested. If this is true, throw it in a money market account? If contract is renewed or become full time, then adjust your holdings. At least with my 401k program you're able to change fund selections at any time as well as contribution rates.
by zimmer0
Mon Jan 18, 2016 10:12 am
Forum: Investing - Help with Personal Investments
Topic: [New Member] Picking a stock
Replies: 28
Views: 2362

Re: [New Member] Picking a stock

i get that itch as well being a young investor with a 401k company match and maxed Roth IRA, but have yet to do so and probably won't for the foreseeable future. I'd look into some oil companies, it will rebound, always has....and you're arguably buying at the bottom. Good luck.
by zimmer0
Tue Jan 12, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for the future vs you only live once
Replies: 72
Views: 10110

Re: Saving for the future vs you only live once

subscribed for more insight/opinion :sharebeer