Search found 604 matches

by ponyboy
Thu Dec 13, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 61
Views: 3340

Re: [Anyone drop cable for YouTube TV?]

No history channel, discovery or food network. Count me out.
by ponyboy
Tue Dec 11, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21561

Re: What percentage of your net worth is your home equity?

I have a friend who also includes his automobiles in his net worth. Wut?? At some point, you have to stop including every single thing you own in your net worth. A house is something you live in, you raise offspring in, you form lifetime memories in...which is the reason I never include it in my net...
by ponyboy
Tue Dec 11, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21561

Re: What percentage of your net worth is your home equity?

I dont include my home as part of my net worth.

Those who do typically have lower savings/investments...and it just sounds better when you include your home.
by ponyboy
Tue Dec 11, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 29 & 30 year olds.
Replies: 18
Views: 1885

Re: Portfolio review for 29 & 30 year olds.

How exactly does one get a loan for $1,000,000+ on such a low salary? This is a huge red flag in my opinion...not just for OP's finances, but what lenders are willing to give out. Not a single thing was learned from mortgage crash.
by ponyboy
Tue Dec 11, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7685

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

To each their own, I suppose, but not going anywhere except to visit family sounds like a dull way to live. Forget the scenery. Have you ever experienced another culture? Found out how people in those countries actually live? What they eat? What kind of bed they sleep on? What they actually think o...
by ponyboy
Mon Dec 10, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7685

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Are we nuts? To each their own, I suppose, but not going anywhere except to visit family sounds like a dull way to live. Forget the scenery. Have you ever experienced another culture? Found out how people in those countries actually live? What they eat? What kind of bed they sleep on? What they act...
by ponyboy
Mon Dec 10, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7685

Re: To each his own ( I guess )

Theres a couple people I know who travel overseas just so they can brag to their friends at starbucks about it.
by ponyboy
Sun Dec 09, 2018 4:49 am
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4020

Re: Rental Car Damage Issue

Last rental car I booked...I backed into a metal sign and smashed the tail light. Dropped off at the airport early morning, never heard back...that was around a year ago, lol. Got lucky.
by ponyboy
Sun Dec 09, 2018 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18507

Re: Teachers Who Have Net Worth of $1 million +

I live in east bumble PA and teachers here max out no lower than $70k, depending on school district. When they leave, they have pensions that equate to almost what their highest salary was. Shouldnt be shocking to see teachers with $1 million+ net worth. And lets not forget...teaching is a part time...
by ponyboy
Thu Dec 06, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 1999

Re: Should we sell farmland to coal company?

If you do sell to the coal company...be prepared to move. 4 miles isnt that far. You will have coal dust coming to your house. They'll probably mess up the water table too.

Sell and get out of dodge.
by ponyboy
Thu Dec 06, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11794

Re: 20M Inheritance - What is best option for small/no risk on principle?

All savings accounts are now paying 2%, or a bit more. Wouldnt 2% on $20,000,000 equate to around $400k/year just in interest? Im not saying this is the best method...but you could spread your money out/up to the fdic insured amount...Yeah, tha'd be 80 accounts...but its protected...and you'd still ...
by ponyboy
Mon Dec 03, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5155

Re: Do you get a year end bonus?

I get bonuses throughout the year at my job. It comes in the form of me taking stuff and not getting caught.
by ponyboy
Mon Dec 03, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 10101

Re: Why is Costco gas so much cheaper

I remember 3 years ago when we were in Kona, HI...gas at costco was around $0.60 cheaper per gallon than any other station. Significant savings when filling the rental suv.
by ponyboy
Mon Dec 03, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3288

Re: Pixel 3 early adopters: any feedback?

Great phone. I jumped on the deal where you purchased a pixel 3 from google fi for $799 and in return you'll get a travel gift card for $799, good for southwest, delta, airbnb and hotels.com. Plan on taking a trip in May so essentially the phone is free since ill be spending a lot more than $799 for...
by ponyboy
Tue Nov 27, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: How do value the cost of commuting?
Replies: 54
Views: 3430

Re: How do value the cost of commuting?

Like others said...a $20k pay bump isnt worth it for having to deal with a 2.5/hr commute everyday. Also, like someone else said...if you're going to work remote almost all the time, do realize that upward mobility in the company is pretty much out the window. If you're ok with that, keep the job an...
by ponyboy
Tue Nov 20, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19749

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

I cant take this anymore either...im buying more shares today! lol...im in it for the long run, no worries here!
by ponyboy
Tue Nov 20, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: San Juan, Puerto Rico
Replies: 11
Views: 1581

Re: San Juan, Puerto Rico

Revision17 wrote:
Tue Nov 20, 2018 12:44 pm

My favorite meal on my trip was the mofongo with pan fried pork at El Patio De Sam.
Mofongo is really good...but it gets old when its served with almost every single meal!
by ponyboy
Tue Nov 20, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: San Juan, Puerto Rico
Replies: 11
Views: 1581

Re: San Juan, Puerto Rico

2 days isnt long enough to do much. Just stick to old san juan...thats about all you have time for.
by ponyboy
Thu Nov 15, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6814

Re: Wait, do I need a prenup?

I dont know why prenups are a big deal either? Its a legal binding contract, correct? WHAT DO YOU THINK MARRIAGE IS? Marriage is also a legal binding contract recognized by the state. As all of you who are married know...you had to go to some local state building and sign some paperwork. That made ...
by ponyboy
Thu Nov 15, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6814

Re: Wait, do I need a prenup?

I dont know why prenups are a big deal either? Its a legal binding contract, correct? WHAT DO YOU THINK MARRIAGE IS? Marriage is also a legal binding contract recognized by the state. As all of you who are married know...you had to go to some local state building and sign some paperwork. That made y...
by ponyboy
Wed Nov 14, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Wait, do I need a prenup?
Replies: 63
Views: 6814

Re: Wait, do I need a prenup?

Doesn't appear you need one. What you had before marriage is yours. Its what you make after married that she would get half.
by ponyboy
Wed Nov 14, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2251

Re: 2019 Subaru Forester Vs. 2019 Rav 4

At 80,000 miles...the car is finally broke in. Thats low mileage imo. It always baffles me that people are willing to get rid of a car for no other reason than they do not want to take it to the shop for repairs. They'd rather drop $25k+ vs $1000. Now, if money isnt an issue and you're paying cash w...
by ponyboy
Tue Nov 13, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: cash compensation for swapped furnace and coil
Replies: 11
Views: 1332

Re: HVAC contractor swapped the furnace

Thats their problem. The contract states one thing and they did another? Yeah...thats not how it works. That contract is a legal binding piece of paper that both parties agreed to. Have them fix it or walk.
by ponyboy
Tue Nov 13, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Flooring for home gym
Replies: 27
Views: 3883

Re: Flooring for home gym

Most people use horse stall mats. I have 7 of them...spread out from station to station. I decided not to cover my entire garage floor with them. Didnt see the point. If you want to go balls to the wall...then go with the rolled up mats, I think they're 3/8" thick. You can go wall to wall, it looks ...
by ponyboy
Mon Nov 12, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 81
Views: 10982

Re: Becoming frugal

I didnt become frugal, frugal became me.
by ponyboy
Mon Nov 12, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1912

Re: 20th Anniversary vacation ideas wanted

Not sure if you're limiting your search to tropical destinations, but Banff National Park in the Canadian Rockies is one of the most beautiful places we have visited, and it will be collar season in April. Ski crowds will be gone but the hordes of summer visitors still have their brats in school. T...
by ponyboy
Mon Nov 12, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Panic set in... now what?
Replies: 63
Views: 11053

Re: Panic set in... now what?

It seems like you can play it really safe from here on out. Why not stick the $600k in a high yield savings account...they're earning 2% now. That would generate $12/year. Not a ton of money but its safe. You can even break it up and open a couple different account so its fdic insured.
by ponyboy
Tue Nov 06, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5425

Re: Car rentals, what is the catch?

We once rented an SUV in Kona. The center console had a couple cockroaches in it so we returned it and got another SUV. Nice thing was they said I could bring it back empty. Saved me around $60. Apparently cockroaches in hawaii are a thing since its hot/humid. Both SUV's were in awesome shape.
by ponyboy
Mon Nov 05, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12897

Re: Are we in trouble?

I never understand when someone is moving to a new state...why on earth they do not rent for a year? Why wouldnt you want to familiarize yourself with some areas first. I think thats one of the main reasons why people are always so stressed when it comes to things like this. They feel like they're f...
by ponyboy
Mon Nov 05, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12897

Re: Are we in trouble?

our house payment in texas will be 7k including property tax. Our house payment in chicago was 4K including tax. We have a 3K bump. Our pay checks have gone up by 2K since we moved to a no tax state. that is the reason why we picked the new house even if it a little outside our comfort zone. Just b...
by ponyboy
Mon Nov 05, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 48
Views: 3266

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

$50-$60 as a credit card bonus is a joke. I churn credit cards so anything under a $500 bonus isnt worth my time.
by ponyboy
Mon Nov 05, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to buy house out of blue but wants us to come up with offer
Replies: 31
Views: 5353

Re: Neighbor wants to buy house out of blue but wants us to come up with offer

There's probably an oil pocket worth millions under your home. Somehow he knows about it. Thats my guess.
by ponyboy
Thu Nov 01, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4907

Re: 2019 Subaru Outback 2.5 vs 3.6

Ponyboy - How many miles do you have on your 2006 Forester that required a timing belt replacement? Normally I would expect to replace a timing belt on a twelve year old car, unless the mileage was extremely low. On the other hand one might replace it at lower mileage due to possible drying out of ...
by ponyboy
Thu Nov 01, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4907

Re: 2019 Subaru Outback 2.5 vs 3.6

I like subarus...but be prepared...your head gasket is going to blow. And your timing belt will need replaced. Just had to replace my timing belt in 2006 forester.
by ponyboy
Tue Oct 30, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5303

Re: People with older car, share your unusual repairs

2008 toyota corolla...161,000 miles...still going strong. Was in a bad accident 3 years ago...crushed in the trunk. Had my uncle do repairs and pocketed the rest of the money. Problem is...the trunk can only be opened with the key...and sometimes that doesnt work. I had to tie a rope to the release ...
by ponyboy
Mon Oct 29, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 162
Views: 12774

Re: Am I doing well financially?

You should start living below your means. Your expenses have to be through the roof. You have very little savings. Lucky for you...if you tighten things up...with those salaries you can stash away a lot of money. Both need to start maxing your 401ks. My god...I was able to max my 401k and I never ma...
by ponyboy
Sun Oct 28, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Yet Another "Can I Retire Yet" Thread
Replies: 40
Views: 4890

Re: Yet Another "Can I Retire Yet" Thread

NJ...the state where the norm for property tax is north of $15,000/year.
by ponyboy
Sun Oct 28, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28276

Re: How many of you have cut the cord?

I havent had the cord for a year now. Instead I pay $8/month for a seedbox...which keeps me busy with content.
by ponyboy
Sun Oct 28, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 43
Views: 4904

Re: Towel Warmers - worthwhile luxury or useless?

How long are you people drying off? It takes me less than a minute to fully dry. Towels really dont get cold unless you're not using heat in your home. I dont get it?
by ponyboy
Sun Oct 28, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4767

Re: Vehicle recommendations for long commutes in CO mountains

I dont live in CO...im in PA. When our driveway gets anything over 2 feet on it...I fire up the wifes subaru forester and plow the driveway. Not with an actual plow...with the car itself.

I have a tacoma and its a joke in the snow compared to her subaru.
by ponyboy
Sun Oct 28, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7227

Re: How many miles (total) on car before buying another car ?

I don't understand why people feel they need new cars. If you can afford it...I see no reason for people to buy new vehicles as much as they want. I used to think this same way. For some people, its status. No getting around it. And thats cool...as long as you're not going into debt. My parents for...
by ponyboy
Sun Oct 28, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7227

Re: How many miles (total) on car before buying another car ?

I never get hung up on "how many miles are on the car" in terms of getting a new one. Sure...I keep track of mileage so I know when to change my oil and other routine things. I have a 2008 toyota corolla. I just rolled past 161,000 miles. I have no intention of buying a new one. I will run it until ...
by ponyboy
Sun Oct 28, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: What Memberships/Subscriptions Are Most Valuable To You?
Replies: 68
Views: 4859

Re: What Memberships/Subscriptions Are Most Valuable To You?

AAA. Wife drives to DC regularly for work from PA. If she ever breaks down...AAA will tow up to 200 miles, which will get her back to our house/town. Not to mention all the hotel nights she stays...the discount from have a AAA pays for the membership. And yes...we can both change a tire. Its a piece...
by ponyboy
Sun Oct 28, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25889

Re: PSA: Don't buy a big house

Im glad there are people who choose not to buy a $250 ladder to change bulbs but rather pay someone $100/hr to do it for them. It keeps the economy going and keeps people employed.
by ponyboy
Sun Oct 28, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9361

Re: Girlfriend's Student Loans

Mingus wrote:
Fri Oct 26, 2018 3:41 pm
I wonder if the same sentiment would be on here regarding this topic if roles were reversed.

Male with 100k debt/low to moderate earning potential, and woman with no debt high income.
You could always start a new thread and find out?
by ponyboy
Sun Oct 28, 2018 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9361

Re: Girlfriend's Student Loans

Agree with others. $100k in student loan debt to be a teacher IS a good investment. Where I live in east bumble PA...teachers max at around $75k. Their retirement is sick. I believe once they retire they get around that much per year for life. Not including SS. I guess OP can hold off on getting mar...
by ponyboy
Sun Oct 28, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico Good for Auto/Renter/Umbrella Insurance?
Replies: 15
Views: 1498

Re: Is Geico Good for Auto/Renter/Umbrella Insurance?

Ive had geico since 2008. My car I still drive has been in 8 accidents (lived in the DC area), some not so minor! None were my fault. Geico has been great to work with. I also have umbrella through them but never had to file a claim.
by ponyboy
Sun Oct 21, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17077

Re: Where would you go for financial guidance if you win the Megamillions?

Please...Please...let someone win the mega millions and power ball jackpots on the next drawing. That way we can stop talking about it.
by ponyboy
Wed Oct 17, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17077

Re: Where would you go for financial guidance if you win the Megamillions?

I just wish someone would win already. Then we could stop hearing about it. All this hypothetical stuff...blah. Buy a ticket, lose $2...get on with your life.
by ponyboy
Wed Oct 03, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 9250

Re: My biggest mistake - market timing

I hate to say this but this is one of those times that you need a financial adviser. Not because you do not have the ability to invest the money. You guys do not have the ability to stomach the market by yourselves. Or your husband I should say. The market is at an all time high right now...a week f...