Search found 667 matches

by ponyboy
Thu May 02, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Giving two week's notice before stock options vest
Replies: 91
Views: 5483

Re: Giving two week's notice before stock options vest

If you hate money, give 2 weeks notice.
by ponyboy
Tue Apr 30, 2019 5:13 pm
Forum: Personal Investments
Topic: I'm 37, late to the game, worth about 35k...
Replies: 42
Views: 7075

Re: I'm 37, late to the game, worth about 35k...

with the amount youre making...its going to be hard to get anywhere. Not trying to be a debbie downer but $20k is really slow. hard to save anything with that rate.
by ponyboy
Sun Apr 28, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3187

Re: Why would Ortho push for Invisalign? (non-medical question)

What Ortho's never tell you is...when you get your braces removed or invisalign done...you have to wear a retainer for the rest of your life...or your teeth will shift. Not to the point that they were before...but they will move. I only wear my retainer once every 2 or 3 weeks...not even sure its wo...
by ponyboy
Thu Apr 25, 2019 10:58 am
Forum: Personal Investments
Topic: What to do? Sitting on the bench since October
Replies: 66
Views: 7213

Re: What to do? Sitting on the bench since October

Hate to say this but you should get a financial advisor. It seems that you are too emotional when it comes to investing. Pay the fee and let someone do it for you.
by ponyboy
Wed Apr 24, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Lifestyle creep
Replies: 73
Views: 7482

Re: Lifestyle creep

Sometimes I wonder why people work? They work so they dont have to work? It cant be healthy to constantly think about saving money. What is the point of all of this? Once you retire, you're not going to spend it anyway. Do things in moderation. If you're saving a lot of money, who cares if you spend...
by ponyboy
Tue Apr 23, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4414

Re: At what age did you buy your first first class airplane ticket?

I’m almost 40 now. I have $1 million mortgage at 3.4%. Student loans paid off. I make $500k a year. 140k in retirement plans. $110k taxable. $100k in cash/high yield money market. I can afford to fly first/businesss but don’t think i’d Pay $5-15k/person anytime soon. Im not trying to sound rude but...
by ponyboy
Sun Apr 21, 2019 6:04 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3472

Re: leaving state job / pension. ..... bad idea?

I’ve left a federal job for the private sector twice. Both times for a substantial raise. Last time I was in my mid-40s and have no regrets so far - I’ve been promoted get headhunting calls for positions I wouldn’t have dreamed of while in the government. I put aside enough extra in savings each ye...
by ponyboy
Sun Apr 21, 2019 5:05 am
Forum: Personal Consumer Issues
Topic: Is Crown Molding Out-of-Style?
Replies: 46
Views: 4502

Re: Is Crown Molding Out-of-Style?

Stop watching hgtv. Stop asking if something is out of style. Do you like crown molding? If you like it and want it, get it. Stop being influenced by others.
by ponyboy
Thu Apr 18, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3472

Re: leaving state job / pension. ..... bad idea?

I would stick with your state job/pension. If you enter the private sector...you're not going to save for retirement. Do you even have a roth ira? You're relying solely on your pension. Your savings are really low, too much debt for how much you make. Yeah...you dont have a not making enough problem...
by ponyboy
Tue Apr 09, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: SOUTHWEST Companion Pass, destinations
Replies: 6
Views: 670

Re: SOUTHWEST Companion Pass, destinations

You can use the companion pass anywhere southwest goes. Go wherever you want.
by ponyboy
Mon Apr 08, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: New homeowner wants to DIY, but disappointed today
Replies: 50
Views: 5039

Re: New homeowner wants to DIY, but disappointed today

Probably you distorted the compression fitting when tightening. You have to try again. You put in 12 valves. Not all failed. You can over tighten the fitting and thus have distortion and a leak. This is not rocket science. Take it off and try again. Pretty much simple as that. That is what a plumbe...
by ponyboy
Mon Apr 01, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 4410

Re: 11-year old with iPhone - advice on how best to manage?

Have her install whatsapp, or something similar. She can connect to the wifi at your house...that way she can text/call all she wants without using any data/minutes/texts, etc etc. Her friends would also need the same app. For an 11 year old...that will suffice. They dont even need cell service.
by ponyboy
Sun Mar 31, 2019 6:50 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14555

Re: How often do you check your net worth?

Net worth...I dont think I ever checked. I dont include our house in our net worth so that pretty much disqualifies me.

How often do I check my investment portfolio? The 1st of every month.
by ponyboy
Sun Mar 31, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4106

Re: TVs: OLED vs. QLED

My one coworker claims OLED's do not last very long. Or he said something along the lines that after 2 years they'll start to lose their picture quality. Is there any truth to this? On a long day of watching tv I can squeeze in 3 hours...so its not like ill be running the oled 24x7.
by ponyboy
Thu Mar 28, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Why are used cars now so expensive?
Replies: 63
Views: 5291

Re: Why are used cars now so expensive?

Because new cars are getting more expensive. Supply and demand...people are keeping cars longer.
by ponyboy
Wed Mar 27, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?
Replies: 76
Views: 3913

Re: Bogleheads, do you have (unwise financially) friends? And how do you deal with them?

Almost all of my friends suck with money. Heck, most people I know suck with money. I couldnt care less. As long as it doesnt affect me...they can do whatever they want. They never ask me for money. Id have no issues telling them no.
by ponyboy
Wed Mar 27, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4222

Re: Are independent garages cheaper than dealer?

In short, yes. Independent shops are almost always cheaper. But you need to look around and find the most honest, good shop. Free popcorn and a $10 car wash doesn't mean much when the repair bill is nearly double. Example: I needed brakes- pads, rotors, clutch and a couple other repairs on my old C...
by ponyboy
Mon Mar 25, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 8856

Re: I would like a boat. I also know nothing about boats

Best two days of boat ownership..

The day you buy, and the day you sell.
by ponyboy
Sun Mar 24, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: What to do when client doesn't pay and ignores you?
Replies: 29
Views: 3579

Re: What to do when client doesn't pay and ignores you?

Just be glad its only for a couple hundred dollars. My FIL, now retired, was a funeral director. Couple times a year people would stiff him for thousands of dollars, $5k+ at a time. Even when he lawyered up, doesnt mean they will ever pay. Send it to collections, doesnt mean they'll pay. Not to ment...
by ponyboy
Tue Mar 19, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paying cash for a vehicle
Replies: 51
Views: 4398

Re: Paying cash for a vehicle

$10k for a vehicle with 150,000 miles...wow, what a steal, lol.
by ponyboy
Thu Mar 14, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2531

Re: Retiring Early and losing RSUs

Ah, the RSU's. No matter what, you'll never get all of your rsu's. You can work till you die and you'll still leave some on the table. Corps know this. I would never factor in RSU's when taking a job. But people fall for it all the time.
by ponyboy
Thu Mar 14, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Is my *entire* life financed when I have a mortgage?
Replies: 84
Views: 5674

Re: Is my *entire* life financed when I have a mortgage?

You'll always have a "mortgage."

Property taxes and home insurance. For most, thats $4k+/year. It never goes away. And yes, I know some pay $10k+ for these.
by ponyboy
Wed Mar 13, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Should I give more money to a family member?
Replies: 107
Views: 6432

Re: Should I give more money to a family member?

Something doesnt seem right about OP's story. I dont feel as if we're getting the entire story...or some of the story is fabricated. Either way...good luck to you OP and whatever decision you make.
by ponyboy
Tue Mar 12, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: I need to ethically reneg on a large eBay purchase
Replies: 39
Views: 4910

Re: I need to ethically reneg on a large eBay purchase

Its ebay...nothing is going to happen if you refuse to pay. They'll keep your deposit. They're not going to take you to court, that costs time and money. They will relist it. You'll get a negative rating/review. Who cares?
by ponyboy
Wed Mar 06, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Weird issue when braking/stopped
Replies: 10
Views: 926

Re: Weird issue when braking/stopped

Sometimes, if a wheel speed sensor is going bad, the computer will think that wheel has locked up, and engage the ABS. If you are stopped, all wheels are stationary, and so it won't kick in the ABS since it hasn't detected a "lockup." This makes a lot of sense. I never thought of that. Ill have to ...
by ponyboy
Wed Mar 06, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Weird issue when braking/stopped
Replies: 10
Views: 926

Re: Weird issue when braking/stopped

I have to get the car inspected in April so it will go into the shop first week then. I just wanted to pick the communities brains to see if anyone has ever experienced anything like this. Its an issue ive never seen or read about before.
by ponyboy
Wed Mar 06, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Weird issue when braking/stopped
Replies: 10
Views: 926

Weird issue when braking/stopped

This is an odd issue so Ill try to explain. I have a 2006 subaru forester ll bean edition SOHC. When I press the brake pedal in and come to a stop when its in Drive, the car makes a noise, not exactly a grinding, almost like a pump noise. It only happens when im at a dead stand still. Not an issue w...
by ponyboy
Tue Mar 05, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 85
Views: 6289

Re: Best place to buy Microsoft Office 2019....

Look into the Microsoft Home Use Program. If your employer participates, then you can get Office 2019 for $15. I’m upset because it was $12 for Office 2016. I know for a fact that many federal government agencies participate in this program. Note: this is NOT a scam. It’s offered as an employment b...
by ponyboy
Sun Mar 03, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18836

Re: Talk me in/out of $35k Tesla Model 3

The base model 3 is rear wheel drive only. No thanks. And, as others pointed out, nearest dealer to me is 2.5 hours away. Getting parts is difficult. I think teslas are awesome...just not for someone who doesnt have a dealer nearby. And I call bullsh*t on 80% of issues can be fixed by sending a tech...
by ponyboy
Thu Feb 28, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8232

Re: Priority boarding - Why?

You think people would have figured it out by now. The airline will check your bag for free, once you get to the gate. Just hand them your bag, pick it up when you arrive. It amazes me what people will do to save a few minutes out of their day. People run to line up and board like animals. Its actu...
by ponyboy
Thu Feb 28, 2019 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Client From Hell Is Driving Me Insane!
Replies: 60
Views: 7846

Re: Client From Hell Is Driving Me Insane!

So you try to fire client and instead your firm signs a new multi-year deal? I wouldn't rate your company's management very high. Money isn't everything. ^this. Poor management. This should never happen. If the client is a known problem and there isnt anything that can be done to satisfy them...cut...
by ponyboy
Thu Feb 28, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8232

Re: Priority boarding - Why?

You think people would have figured it out by now. The airline will check your bag for free, once you get to the gate. Just hand them your bag, pick it up when you arrive. It amazes me what people will do to save a few minutes out of their day. People run to line up and board like animals. Its actua...
by ponyboy
Thu Feb 28, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 8629

Re: How do YOU make coffee?

Cheap drip coffee maker. Tried commercial bunn products..couldnt tell the difference. Tried an aeropress, couldnt tell the difference. More power to those who have an ultra "refined" palate.
by ponyboy
Thu Feb 28, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Flipping
Replies: 18
Views: 1769

Re: Flipping

I asked him about flipping houses once. He just laughed and said he would never touch that kind of work. Too many hassles and pitfalls, especially in that region. Especially with permitting. With all his experience and resources, if he isn't going to touch that sort of work, I don't know how amateu...
by ponyboy
Thu Feb 28, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Flipping
Replies: 18
Views: 1769

Re: Flipping

Ive flipped a lot of workout equipment. Basically paid for all the equipment I kept...which is around $4500 worth of stuff. Best part is, if I ever want to get rid of my equipment, its all profit.
by ponyboy
Mon Feb 25, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: DIY Auto repairs
Replies: 46
Views: 2629

Re: DIY Auto repairs

I disagree for those who say you wont save a lot of money. That doesnt make any sense. Will an oil change save you a lot, no. Will replacing brakes/rotors save you a lot, couple hundred. Will changing out a timing belt/idlers save you a lot, Close to a grand. Depends on what you're willing to do. Th...
by ponyboy
Mon Feb 25, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 2731

Re: First time to Hawaii

Maui is a nice island. Sunrise on top of haleakala like others said. Just drive up yourself, no need to spend money on a tour. Check what time sunrise is...be at the top a half hour before. You'll have to leave really early but considering the time change, you'll be up then. I personally thought the...
by ponyboy
Thu Feb 21, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: Target Date funds are hazardous to your wealth
Replies: 59
Views: 8029

Re: Target Date funds are hazardous to your wealth

meh...I use a target date fund for my roth ira. ER is .15%. Everything else I manage on my own...not a big deal to me.
by ponyboy
Thu Feb 21, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit card worth it for $50 discount?
Replies: 23
Views: 1457

Re: Credit card worth it for $50 discount?

I dont do any credit card offer thats valued at less than $500. I dont even notice $50 ones anymore, I just glaze over and move along.
by ponyboy
Tue Feb 19, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: Electrician broke ceiling heat and won't fix it
Replies: 16
Views: 3342

Re: Electrician broke ceiling heat and won't fix it

The electrician that you hired should have insurance...or the company he works for. Let them use it! They will need to fix the problem they created.
by ponyboy
Mon Feb 18, 2019 4:16 pm
Forum: Personal Investments
Topic: Trusts, what counts towards income
Replies: 2
Views: 268

Trusts, what counts towards income

My parents are in the process of setting up a trust. It got me thinking. When I inherit all of their stuff, which funds within the trust count towards income (that could put me in a higher tax bracket, thus making me pay a lot more taxes.) From what I understand, IRA's/roth iras do not count toward ...
by ponyboy
Mon Feb 18, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11465

Re: Wife filled our gas engine car with diesel fuel

Like the article said, its not going to destroy your engine. The dealership will need to drain, flush lines, replace things, etc etc. It will probably be $700 or so.
by ponyboy
Sun Feb 10, 2019 4:57 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 8317

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Ive never heard of this "six" year rule for tires. Who makes this stuff up?
by ponyboy
Wed Feb 06, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 36
Views: 5211

Re: 2019 Subaru Forester Vs. 2019 Rav 4

If you buy a subaru, just remember that the head gasket will fail eventually. They could never get those right. Expensive repair too.
by ponyboy
Wed Feb 06, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Free Southwest Companion Pass for 2019
Replies: 63
Views: 5709

Re: Free Southwest Companion Pass for 2019

This is the site that contains the latest "in-flight" links for the Chase SW card: https://www.doctorofcredit.com/chase-southwest-cards-50000-points-after-2000-in-spend-use-at-own-risk/ I used the first link for the $69 card. The first time it didn't go through and web browser seemed to hang. Close...
by ponyboy
Mon Feb 04, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3863

Re: The real dog food diet...

We feed our boston/french mix dog all kinds of dog food. Usually blue buffalo, taste of the wild I think, or science diet. We'll mix them together. He never has issues. Just another old wives tale that you should feed your dog the same thing for its whole life. Boy, that sounds real great. Who here ...
by ponyboy
Sun Feb 03, 2019 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7195

Re: Building a house in rural mountains

If you plan on moving/building somewhere where it gets cold and has real winters...you will need a wood fireplace. If all power goes out, you will not want to rely on a generator to keep you warm. You can burn wood to stay warm without any issues.
by ponyboy
Sun Feb 03, 2019 5:27 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 155
Views: 10930

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

I would never install a doggie door. People steal pets from back yards all the time. Unless you can install a doggie door that goes directly to a large cage/fence closed in on sides/top...I wouldnt go that route. I used to do the "drive home and let dog out." Thats when he was a puppy. When he was a...
by ponyboy
Fri Feb 01, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 10205

Re: Were you 100% debt free at retirement

Anyone that owns property is never really debt free. You will always have property tax. You can pay it off immediately but it will return the following year. Bums me out to think I will never really own my house/land.
by ponyboy
Fri Feb 01, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Wanting to go to the Masters, questions and tips
Replies: 10
Views: 1030

Re: Wanting to go to the Masters, questions and tips

I hate to be that person...but going to a golf event live isnt that great. Ive been to a few...you only get a see a tiny fraction of the shots you would see on your tv. Ive never been to augusta...have no desire but I do enter the lottery every year in hopes of scoring tickets to resell. Augusta see...