Search found 470 matches

by clutchied
Wed Feb 14, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What's the most "interesting" job in corporate finance?
Replies: 30
Views: 3327

Re: What's the most "interesting" job in corporate finance?

I would get a CPA or CMA and then get an MBA. I haven't seen much value add from a MA in acct.... UNLESS you want to specialize in tax or something similar but then you're also running into the JD crowd. I have a CPA license and the doors it has opened are amazing. I'd hire a CPA or an MBA anyday of...
by clutchied
Thu Feb 08, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14629

Re: For BHs who actually like cars - what is your daily driver?

2004 BMW M3 6-speed manual :sharebeer so sweet!! jealous.... '14 BMW i3 '06 330i 6-speed manual. the i3 costs me $35/mo in "gas" the 330i costs me $150/mo in gas pretty big delta on EV's. I hear great things about the i3 as a daily driver. How do you like it? If the range works it's a blast to driv...
by clutchied
Thu Feb 08, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14629

Re: For BHs who actually like cars - what is your daily driver?

Rifampin wrote:
Sat Feb 03, 2018 5:08 pm
2004 BMW M3 6-speed manual :sharebeer
so sweet!! jealous....


'14 BMW i3
'06 330i 6-speed manual.

the i3 costs me $35/mo in "gas"
the 330i costs me $150/mo in gas

pretty big delta on EV's.
by clutchied
Thu Feb 08, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Comcast Modem Rental
Replies: 41
Views: 2624

Re: Comcast Modem Rental

Comcast is charging $11/mo. for modem rental. Any thoughts on buying a modem to eliminate the rental fee? Are there any problems with doing this? I bought my own 4 years ago. Its' great. it was like $90... so I think i'm pretty far ahead :) Costco had the motorola one's. Docsis 3.0 and up I believe...
by clutchied
Mon Feb 05, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 374
Views: 45521

Re: Flaunt Your High-Mileage Car

'02 BMW 530i

187,000 and counting. Love this car.
by clutchied
Fri Feb 02, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3194

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Pers. Cap. They call to sell you their services I don't like this. ... If you tell them you're a DIYer and no, thank you, they'll leave you alone. YNAB: woof... it's really great but wow does it take work. I bought it then promptly abandoned it on the first day. How long ago? The current web versio...
by clutchied
Fri Feb 02, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3194

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Pers. Cap. They call to sell you their services I don't like this. Their investment software is pretty good. I like personal capital app but they unleashed one of their advisers on me and I told them no thanks, and then they emailed me (or what I thought was me) an email of some dog and pony show p...
by clutchied
Thu Feb 01, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 3194

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Does anyone use Personal Capital, Mint, Tiller, You Need a Budget, or another tool to budget/track expenses and investments? If so, which one and do you like it? It seems like the free portion of Personal Capital is pretty slick. I'm not sure what to think about giving a third party access to my ac...
by clutchied
Thu Feb 01, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How risky is Med school student loan debt?
Replies: 151
Views: 9444

Re: How risky is Med school student loan debt?

I read those two articles and they were so sad. It was interesting though. I am a pilot and see many parallels between the career progression described in the blog. Pay lots of money for school, get a crappy paying high stress job in a residency (if you are lucky), then eventually get to practice a...
by clutchied
Thu Feb 01, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: SUV vs Minivan: which is safer?
Replies: 16
Views: 907

Re: SUV vs Minivan: which is safer?

Last time I checked the Odyssey had zero driver fatalities per million miles driven. http://www.iihs.org/iihs/sr/statusreport/article/50/1/1 Correction: According to the linked article, that is "zero driver fatalities per million registered vehicle years." There are nine vehicles listed with the di...
by clutchied
Thu Feb 01, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: SUV vs Minivan: which is safer?
Replies: 16
Views: 907

Re: SUV vs Minivan: which is safer?

Last time I checked the Odyssey had zero driver fatalities per million miles driven.

http://www.iihs.org/iihs/sr/statusreport/article/50/1/1
by clutchied
Thu Feb 01, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Switching from Biweekly 401K match to Annual match
Replies: 6
Views: 898

Re: Switching from Biweekly 401K match to Annual match

they'll claw back some forfeiture money, but I agree with the other poster. You lose a year but now you're getting a frontloaded contribution :)

Think positively!
by clutchied
Thu Feb 01, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Rental property depreciation
Replies: 3
Views: 533

Re: Rental property depreciation

I've used a CPA to prepare my taxes for the last several years. This year I'm planning on DIYing. There's only one number on last year's return I can't figure out how to compute - Depreciation, line 18 on schedule E. Form 4562 has the same number on line 17, but is otherwise empty. I don't see a su...
by clutchied
Thu Feb 01, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Advise on dealing with previous employer
Replies: 6
Views: 624

Re: Advise on dealing with previous employer

sounds like you've done what you need and they have agreed to pay it.

wait 2 weeks. If it isn't there present the contract, wait 2 weeks. Not there? Hire an attorney.
by clutchied
Thu Feb 01, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: shall I buy Toyota prepaid maintenance service for 2018 Camry
Replies: 37
Views: 3127

Re: shall I buy Toyota prepaid maintenance service for 2018 Camry

maybe if it was a range rover...

If you want the service go for it, but you're paying for a service.
by clutchied
Mon Jan 29, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 6893

Re: Who taught you about financial responsibility?

Did your parents teach you how to manage money properly? I'm sure this question was posted on this forum before so please excuse me for repeating. I'm really curious because my parents never properly took the time to teach me financial responsibility. That being said, their reckless behavior with m...
by clutchied
Fri Jan 26, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Sell one year minivan or not
Replies: 11
Views: 713

Re: Sell one year minivan or not

Exafchick wrote:
Fri Jan 26, 2018 3:09 pm
boshyd wrote:
Fri Jan 26, 2018 2:11 pm
Wife has Honda Fit. This is the only other car.
Not to go off topic, but how does your wife like her Fit? I was looking into getting the 2018 EX model because I want a manual transmission and satellite radio.
accord sport can come w/ a stick! It's a great car :)
by clutchied
Thu Jan 25, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Is dry cleaning worth it?
Replies: 23
Views: 2260

Re: Is dry cleaning worth it?

I have some curtains and a few (very) expensive dress shirts. Is dry cleaning really better than laundering? The cost isn't prohibitive. I think I will be charged $20 for dry cleaning the curtains, and $5 per shirt. What kind of items do you use dry cleaning for? I suspect the curtains will be wort...
by clutchied
Wed Jan 24, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Discussing a 529 with your kids
Replies: 79
Views: 5375

Re: Discussing a 529 with your kids

I made the mistake (?) in telling (soph/jr 2000/2001 ?) that he could attend any place he wanted to go to. He was/is a high caliber performer. We still have something like 40k in student loan debt but at 3%, manageable :x . Good Luck, YMMV, watch out for bears and swans and politicians . :oops: how...
by clutchied
Wed Jan 24, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: 529 Plan For Unborn Child
Replies: 2
Views: 262

Re: 529 Plan For Unborn Child

I'm not sure what that changed regardless. I started one for my kid in my name and then when they were born I rolled it.
by clutchied
Mon Jan 22, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: What are the longest lasting double pane windows?
Replies: 6
Views: 848

Re: What are the longest lasting double pane windows?

I have double pane windows that were originally installed with the house when new. They have aluminum frames. I can't tell what manufacturer made them. The windows are starting to get a contamination on the inside between the panes. What experiences do you guys have with the various replacement win...
by clutchied
Fri Jan 19, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: What can I do to fight this ridiculous medical bill?
Replies: 86
Views: 4360

Re: What can I do to fight this ridiculous medical bill?

What would you do in this situation? My insurance company already paid over 9k... So just be careful. There are for profit and not for profit hospitals. Your "insurance" has deals or negotiated rates with various facilities. The "amount paid by insurance" could be partly rate reduction and or payme...
by clutchied
Fri Jan 19, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: I got a Roomba and think you should too
Replies: 41
Views: 3725

Re: I got a Roomba and think you should too

To make this actionable: What’re your experiences with Roomba? I asked for one for Christmas and got an 805 at costco. It has the higher suction no-wifi and just bounces around. It does have "virtual walls" which can help. I really really like it. it runs while we're not at home and I'm always amaz...
by clutchied
Wed Jan 17, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5155

Re: Getting your spouse on the same page

We are definitely not on the same page about everything. I handle the long term investments/401(k)/IRA, while she handles the day to day cash flow into and out of our checking account. She is responsible for all the bills. She is not good with money, never has been. Whenever I want to talk to her a...
by clutchied
Tue Jan 16, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Weighing the value of a fixed-rate mortgage
Replies: 4
Views: 594

Re: Weighing the value of a fixed-rate mortgage

I look at low rate mortgages the inverse of low rate bonds.

Bond rates will have to go up at some point and your current bonds will be worth less.

Mortgage rates will also rise and your current (fixed)rate will be worth more.
by clutchied
Fri Jan 12, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: RE Tax payment sent in December but posted in Jan
Replies: 9
Views: 648

Re: RE Tax payment sent in December but posted in Jan

As many people did at the end of 2017, I pre-paid my real estate taxes because of the newly passed tax bill. My town sent out an invoice in the last week of December for the amount due, and was accepting pre-payments. I used BofA billpay to send a check for the tax payment. BofA's site said the che...
by clutchied
Fri Jan 12, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5155

Re: Getting your spouse on the same page

What we've done is his, mine, and ours. We have a good idea of what the basic household expenses are, and we contribute equally to the joint account from which we pay them. Short terms savings is included in this figure: for escrow expenses; for car maintenance and replacement; for vacations. I als...
by clutchied
Fri Jan 12, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5155

Re: Getting your spouse on the same page

It’s very common for married couples to disagree about money. I used to be a reckless spender but have completely turned it around and I am now a committed BH. I am having trouble getting on the same page with my wife. Has anyone else experienced difficulty in getting their spouse to follow a plan ...
by clutchied
Fri Jan 12, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5155

Re: Getting your spouse on the same page

It’s very common for married couples to disagree about money. I used to be a reckless spender but have completely turned it around and I am now a committed BH. I am having trouble getting on the same page with my wife. Has anyone else experienced difficulty in getting their spouse to follow a plan ...
by clutchied
Thu Jan 11, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Company Sponsored Financial Wellness Program
Replies: 6
Views: 580

Re: Company Sponsored Financial Wellness Program

not specifically AYCO, but Valic was part of my wife's plan and they somehow convinced her to dump money into a variable annuity product even after I said no. She still hasn't managed to roll it over and it's been 4 years...
by clutchied
Wed Jan 10, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Any downside to paying with HSA?
Replies: 21
Views: 1808

Re: Any downside to paying with HSA?

So my wife and I are expecting our first child. We only have a CDHP with HSA available to us. So we pay everything out of pocket for the first $3,000 and then coinsurance until we hit the $8,000 out of pocket max. Since there are generally expected appointments with a pregnancy, I was planning on j...
by clutchied
Wed Jan 10, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 142
Views: 21297

Re: What age did you become debt free and what opportunities did it create?

I'm not debt free (yet) but I worked really hard to make sure my parents are as they are nearing retirement. It took about 5 years but I finally convinced them to pay off their mortgage. They did it two years ago. It's probably the single biggest financial event of their lives and it's allowed them ...
by clutchied
Mon Jan 08, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 4001

Re: Disappointed in Missing a Long Term Financial Goal

It has been a goal of mine to be a 'millionaire' by the time I'm 40 since as long as I can remember, but its looking like this goal will be hard to achieve. We are saving more than we've ever been and should be on track for a decent retirement, but it hurts to miss a long-time goal I've had since b...
by clutchied
Wed Jan 03, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Effects of extreme cold weather
Replies: 107
Views: 9854

Re: Effects of extreme cold weather

Our deck boards make a popping or cracking sound when it get down in the mid teens or lower. Normally happens after it's dark and can be rather loud. we get that too... sounds like a gunshot. I think the boards must freeze together or something and then boom... I hope my hot tub isn't getting ready...
by clutchied
Tue Jan 02, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Want adequate filter to discharge clothes drier indoors
Replies: 24
Views: 2380

Re: Want adequate filter to discharge clothes drier indoors

So... if it's an Electric dryer you can get a bucket from home depot or lowes and cut a hole in the top. There's a coupling to buy that screws into the top and then you just drill like 2 inch holes around the top on the lid.

Fill bucket 1/2 with water. Voila! Youtube videos are useful.
by clutchied
Tue Jan 02, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 44
Views: 5739

Re: Anyone used Zelle?

A couple of my tenants use it. We'll see how it goes.

It appears to work just fine.
by clutchied
Tue Jan 02, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13060

Re: Embarrassment Preventing Retirement Work: A factor for you?

I don't need the income, but wonder what it would be like to work various part-time jobs. I've thought about being a checkout clerk at Whole Foods or something similar. One thing that holds me back is that I've been quite successful in my community and I am certainly not anonymous. When I think abo...
by clutchied
Thu Dec 28, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 36
Views: 2853

Re: Smart Home: Google, Apple, or Amazon?

I have two Amazon Alexa's and 4 Google home devices (1 Home and 3 minis). If I had to do it over again I would just go the Google route. They both can do very similar things but the google home assistant is just better. I use it to control my lights(Hue) In the morning I say "good morning" and it r...
by clutchied
Thu Dec 28, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3166

Re: Should we downsize?

I would keep your home. I'm mortgage free so I understand your preference to be debt free. That being said your income is good and you obviously love the house. You are plenty young enough to sock away enough retirement cash. IMO keep the house you love. DA for sure. You'll regret that small gain f...
by clutchied
Tue Dec 26, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6799

Re: manual car for new teen driver

I started on a big conversion van and it made me a better driver. I also learned to drive stick early on and made me more engaged in driving so that I was paying attention. I think getting a kid a stick and spending a bunch of time with them early on is a fantastic idea. TSX Civic Si Mazda 3 or 6 BM...
by clutchied
Tue Dec 26, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21411

Re: Do you see a meaningful change in your income with new Tax Bill?

I think we may end up paying more depending on how things shake out. I need to do some further calcs.
by clutchied
Sun Dec 24, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7114

Re: New Car - Always use parking brake ?

100% of the time. I don't like the stress clank after letting go of the brakes and the car rolls against the transmission lock.

It's probably a habit from driving a stick. I still do it in my EV too :)
by clutchied
Thu Dec 21, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3358
Views: 963991

Re: What Movie Have You Recently Watched?

Blade Runner 2049 . Highly recommended if you are a scifi or film fan. Impressive accomplishment feeling like a genuine sequel of the original. I want to see this too. Do you need to have seen the original? I recently rewatched the original on TV. I don't think my wife has seen it. I loved the orig...
by clutchied
Wed Dec 20, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: A meal with friends yields a financial revelation
Replies: 95
Views: 12006

Re: A meal with friends yields a financial revelation

Enjoyed the read! I agree it is a great feeling to be able to do those kinds of things. It makes me wonder if others who are not in a position also feel that way when they swipe only to deal with the repercussions later on? I know plenty of people who don't shop by price but should. true freedom to ...
by clutchied
Wed Dec 20, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Which cell phone to buy--need good camera?
Replies: 32
Views: 2398

Re: Which cell phone to buy--need good camera?

If I'm buying a phone with a great camera today it's the pixel2 or XL variant of the pixel2.
by clutchied
Sun Dec 17, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 5591

Re: Electric Energy Usage

It won't be comparable but in SW Ohio we have natural gas. We use on avg. about 1200 to 1400 kWh's per month. House is 4900 sq. ft. built in late 80's. Furnace is original. Gas is so much cheaper to heat with than heat pumps. I'm shocked people even try to use them in the NE. They just don't work wh...
by clutchied
Sun Dec 17, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 11720

Re: 2018 financial goals - what are yours?

h82goslw wrote:
Sun Dec 17, 2017 11:44 am
clutchied wrote:
Thu Dec 14, 2017 10:05 am

Max HSA again - $6750
It’s a minor thing....but max amount for 2018 HSA is $6900. I was excited about this until finding out wife’s employer was taking away HSA option for 2018.
great point. Always better to have current info than "rollover memory".

sorry about your HSA loss :(
by clutchied
Sun Dec 17, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Buy home with structural issues
Replies: 51
Views: 3843

Re: Buy home with structural issues

so you're paying $1.5M for a house and $20k is going to break the deal?

I'm assuming you think that the person you hired isn't telling you the whole truth and the house is going to fall down?