Search found 557 matches

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: 130
Views: 10577

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: 130
Views: 10577

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: 8967

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...
by ponyboy
Wed Oct 03, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11754

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

You arent liable...get a grip. They're looking for a hand out. They're scam artists. Im sure they've done something similar to this before and made off with some cash. On a side note...just another reason to always have a buying party sign an AS-IS document. I always do this when I sell a car. If it...
by ponyboy
Thu Sep 27, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Am I the only one...[using multiple accounts]
Replies: 27
Views: 1365

Am I the only one...[using multiple accounts]

Who doesnt have specific accounts for certain things. Like a vacation account, a mortgage account, a vehicle account, etc. My wife and I have our investments...and a checking account and only savings account. All the money goes to one place. I see a lot of people talk about certain accounts are mean...
by ponyboy
Thu Sep 27, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Vacation without saving adequately?
Replies: 70
Views: 5138

Re: Vacation without saving adequately?

What does "dipping into your savings" mean? If you need to borrow $1k from savings...not a big deal. If you need to borrow $5k from savings, thats a problem. You are fully funding your 401k and roth...from what you said. In a real emergency, you can borrow money that you contributed from your roth. ...
by ponyboy
Wed Sep 26, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3728

Re: First-time victim of credit card fraud

Who cares? Ive been a "victim" of credit card fraud like 5 times. Doesnt bother me one bit. Simply call the credit card company, explain the situation, they kill that card and send you a new number. Its not like you're responsible for the charges. Yes, I know they can charge you a fee...they never d...
by ponyboy
Tue Sep 25, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 27
Views: 1744

Re: Employer says no to relocation as employee, should I offer to be contractor?

My wife works half of her time remote/telework. She will be going to full time remote next year. The days of having to sit in a cubicle for 8+ hours a day are over. Unfortunately employers/managers had to do it their whole lives...so they think everyone else should have to sit in a soul sucking offi...
by ponyboy
Tue Sep 25, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3361

Re: How to buy a mattress

We purchased ours from Costco. Never saw it in person, never touched it in person...we just ordered and it arrived. Awesome bed, no complaints. But then again we're not the type who pretend they know anything about a bed by laying on it for 5 minutes in the store then brag to our friends at starbuck...
by ponyboy
Tue Sep 25, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5724

Re: Ripped off by a locksmith

Sad the OP doesnt recognize the fact they THEY screw up by locking themselves out. Lesson learned. Chalk it up as a loss. Take responsibility for your actions. This entitled society is going too far imo. This should have been a learning lesson but instead you put the blame on someone else.
by ponyboy
Tue Sep 25, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

2 years ago I was sick for almost 2 months. Couldnt shake it. Not sure if it was the flu but it sucked. Last year I received the flu shot for the first time. I was lucky enough to avoid being sick. Ill be getting another one this year. And yes...we get it. The flu shot only covers certain strains, t...
by ponyboy
Mon Sep 24, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3382

Re: $450 for 1.5 hour plumbing job normal?

Is the pipe with the leak easily accessible? If so, watch a 10 minute youtube video and do it yourself. Its not hard. Hell you dont even have to solder anymore...you can buy pex fittings and crimp it yourself. Even buying all the tools yourself, you wont in it for anywhere close to what he wants to ...
by ponyboy
Thu Sep 20, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Hubby soon to be laid off
Replies: 74
Views: 7808

Re: Hubby soon to be laid off

You have more than enough money to retire. Worst case sell the house, move to a lower cost of living area or downsize...and still profit $400k on the house after taxes.
by ponyboy
Tue Sep 18, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5883

Re: Thinking of Retiring at 52, Please Critique Plan

It amazes me how afraid people are of retiring early for the sole reason of health care. When doing calculations...why not just double the health care cost, just to be safe? Is it really impossible to retire early and have to pay $25k/year in health insurance? If you have the money whats the big dea...
by ponyboy
Sun Sep 16, 2018 4:08 am
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3881

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

Imagine wearing a sweater for 1 year straight. Once a week you take it outside and brush the dirt off it. Once a year you wash it. Thats carpet folks...and most people still have carpet in their homes. You think by running a vacuum over it that it actually gets clean? Its picks up the fine particles...
by ponyboy
Thu Sep 13, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Wife's Roth @ a Financial Advisor
Replies: 33
Views: 1817

Re: Wife's Roth @ a Financial Advisor

Your wife is 32...hasnt contributed for 8 years...so stopped when she was 24. How is it possible the account is worth $86,000 today? Even if her parents were contributing...that means she would have to have earned income to even contribute. When did her parents start contributing, when she was 16? T...
by ponyboy
Wed Sep 12, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Working until the end of January for Roth contribution
Replies: 20
Views: 1729

Re: Working until the end of January for Roth contribution

I guarantee if I was about to retire...the last thing that would be stopping me is a $4000 roth ira contribution. Its not like its a $4000 bonus...you're paying yourself.
by ponyboy
Tue Sep 11, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8420

Re: Botched countertop installation - leave it as-is or risk the repair?

Looked at the imgur.com pics for the first time, didn't see them before. I'm 100% certain the current caulking will hold up. I think OP is just annoyed that it was applied after the sink install. Caulk was supposed to be applied even after putting caulk under the sink. Either way...you were going t...
by ponyboy
Tue Sep 11, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Botched countertop installation - leave it as-is or risk the repair?
Replies: 78
Views: 8420

Re: Botched countertop installation - leave it as-is or risk the repair?

I agree with others...I wouldnt have someone rip everything out to put caulk in a place that cant be seen. Think of it like this...if they put the caulk down like it said in step 1...then didnt put caulk around the edges...would water get to the cabinets. The answer is yes. I really dont see what th...
by ponyboy
Mon Sep 10, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5219

Re: Advice on how to deal with barking dogs

Im so glad I now live on 10 acres...right smack dab in the middle, wooded area. We did the whole close quarter living for 12 years. It was apartment living though. Bottom line, dont bother talking to the neighbor. You need to get this documented with the city, animal control, noise ordinance, etc et...
by ponyboy
Sun Sep 09, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2393

Re: What performance to expect from central AC?

AC should be sized to provide a 25 degree drop from outside temperature (give or take). Installer should have done a Manual J evaluation of your house that takes into account insulation, windows, climate etc. See: http://www.loadcalc.net for a simplistic version. Suggest you visit this forum and ex...
by ponyboy
Tue Sep 04, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7119

Re: Daily Driver (Car) Over 100K Miles?

pffft...at 100,000, my cars are just getting broke in.
by ponyboy
Thu Aug 23, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3129

Re: I love my job but DW hates location and I'm underpaid

Which part of FL do you live? Man I love FL. I dont mind the humidity/heat. I do love Fall weather though...but a few trips to the mountains could fix that. Does your wife work too? If not...maybe she should find a job. Could take her mind off "hating" the place she lives. Remember, the grass isnt a...
by ponyboy
Wed Aug 22, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3129

Re: I love my job but DW hates location and I'm underpaid

Tellework is great until they no longer need you. Then what? If you move to a place where its difficult to find work...no bueno.

If I was moving I would find a new job in the local area.
by ponyboy
Tue Aug 21, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Composite Decking Material
Replies: 41
Views: 3341

Re: Composite Decking Material

https://www.lowes.com/pd/Olympic-319-9-fl-oz-Biodegradable-Deck-Cleaner/3043830 For everyone that has a composite deck and has mold/mildew issues. You can thank me later. This is the best stuff I ever came across for cleaning. Very simply...you dump this in one of those spraying containers (like the...
by ponyboy
Sun Aug 19, 2018 10:03 am
Forum: Personal Consumer Issues
Topic: Sheraton Kauai timeshare
Replies: 35
Views: 3891

Re: Sheraton Kauai timeshare

How does one get the "targeted" offer? This place is nice...5 nights and a rental car for $650 is a steal. Id do this offer every year.
by ponyboy
Sun Aug 19, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13730

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

Where I live...east bumble PA...teachers at a not so great school district max out at around $75k. Thats LOT of money for the area. Not to mention when a teacher retires with full benefits...they receive around $70k/year pension for life. Yeah...most shouldnt have an issue becoming millionaires. I c...
by ponyboy
Thu Aug 16, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 19621

Re: Who uses the 3 fund portfolio ?

I have a 3 fund portfolio minus the international. So really I have a 2 fund portfolio.
by ponyboy
Thu Aug 16, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Quote from Electrician
Replies: 48
Views: 3506

Re: Quote from Electrician

My electrician charges $25/hr...and he's on point! He is a family friend and he gets paid under the table. $180/hr is laughable. I can see maybe $70/hr on the higher end. But $180/hr is highway robbery. My guess is they really dont want the job, but if you're willing to throw that much money at them...
by ponyboy
Wed Aug 15, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/How are we doing?
Replies: 24
Views: 2450

Re: Portfolio Review/How are we doing?

Keep doing what you're doing. Your finances are pretty similar to ours when we were that age. You'll have no issue retiring at 55...my goal is to get out between 53-55.
by ponyboy
Wed Aug 15, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2863

Re: 33 Male, how am I doing?

I cringe every time I hear a young man wanting to save for a down payment or go ahead and buy a house before finding a spouse. :oops: Your finances are fantastic for your position in life, consider improving health, happiness, emotional, family security. Finding the right mate may be the most impor...
by ponyboy
Wed Aug 15, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: 33 Male, how am I doing?
Replies: 28
Views: 2863

Re: 33 Male, how am I doing?

Forget the house...you cant afford one where you currently live. As far as "how you're doing"...not too bad. Could be a lot better tbh. Just as a comparison I lived in the DC area for 12 years. I never made more than $63k/year...im 35 and have over $500k saved/invested. I did have a girlfriend, now ...
by ponyboy
Thu Aug 09, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a friend/family who you think is making a financial mistake?
Replies: 7
Views: 844

Re: Do you have a friend/family who you think is making a financial mistake?

My sister...bought waaaay too much house. Just had a $35k in ground pool put in. They are up to their eyeballs in debt. Good luck with that. And here I am...bought a house waaaay under what the rule of thumb is 2.5x income or whatever. Doing a lot of renovations myself. I dont have a pool. Im 4 year...
by ponyboy
Thu Aug 09, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9511

Re: Biggest Threats to Financial Well-Being

In no particular order...

- lifestyle creep (keeping up with kardashians)
- marrying someone who isnt financially compatible with you
- divorce
- too much house (this is a big one!)

- health...although a lot of times this is something that is out of your hands...so not sure if this should be on list
by ponyboy
Thu Aug 09, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7333

Re: When is leaving your job that pays well a good idea?

I agree with others...find a hobby. A lot..and I mean a LOT of people have soul crushing jobs and they also have low pay. Im also curious what your net worth is without your house? You're too young to retire even if you move to a lcol area. Id say suck it up and work another 5 years...or move to a l...
by ponyboy
Thu Aug 09, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: radon mitigation exposure concern, are we at risk?
Replies: 59
Views: 4144

Re: radon mitigation exposure concern, are we at risk?

One of the biggest scams any homeowner can ever experience. Like others said...radon is everywhere. When you invite someone into your home to test for radon levels...how many times do you think they tell you its ok? Ive never heard of any. They will always tell you to install a vent system. Its noth...
by ponyboy
Thu Jul 19, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1749

Re: sams club - new member

Sams doesnt sell Kale, coconut oil, chai seeds My Sam's Club not only sells all of these things, but organic varieties as well. I exclusively buy this stuff at my local Sam's. In my experience their healthy and organic offerings have exploded in the last two years. I also use the Scan and Go app an...
by ponyboy
Thu Jul 19, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1749

Re: sams club - new member

I hate to be one of those people but sams is a dump compared to costco. The quality of products is inferior. I find that Sams has very few "healthy" items. Costco is a much neater store, caters to higher class people. Sams doesnt sell Kale, coconut oil, chai seeds. But what they do have is 2 huge is...
by ponyboy
Wed Jul 18, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2847

Re: How much did your braces/invisalign braces cost?

Most people do not realize that one is truly never done with braces. You will need to wear a retainer for life unless you want your teeth to shift. Doesnt mean you'll have summer teeth again...but they will shift. I force my retainer in once a month...not sure if it does anything but it makes me fee...
by ponyboy
Mon Jul 16, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10149

Re: Why own a bed?

Box springs are useless..as long as you have some sort of support under the mattress. We just purchased a low profile frame. Wooden slats support the mattress. I never understood why people want a bed frame/mattress/boxspring combo that requires a ladder to get into...or a small trampoline for those...
by ponyboy
Thu Jul 12, 2018 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Eesh! 100% Company Stock - Help me with my 401k!
Replies: 20
Views: 1543

Re: Eesh! 100% Company Stock - Help me with my 401k!

Im curious how 2 people rack up over $350k in student loan debt?
by ponyboy
Tue Jul 10, 2018 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3622

Re: Car totaled by uninsured driver

I never even heard of a $2k deductible. Why have it so high?

I remember doing a comparison between $500 vs $250 deduct...it was peanuts, so I went with the $250 deduct.
by ponyboy
Tue Jul 03, 2018 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: 33 year old- How am I doing?
Replies: 22
Views: 2302

Re: How am I doing?

I would cut back...like waay back on donations/church. You need to start funneling that to your taxable accounts.

$235k saved by age 33 with 2 kids is good. These are the most important years. Your money has the longest time to grow.
by ponyboy
Fri Jun 29, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Am I wasting money on my old car?
Replies: 34
Views: 3626

Re: Am I wasting money on my old car?

I question why you get your car serviced every 6 months? Do you mean oil changes? Anything other than an oil change is a waste of money every 6 months. Id fix it if I were you. Thats low miles for such an old car. Thats a vehicle that can easily go 200k+ miles without major work. Timing belts/idlers...
by ponyboy
Wed Jun 27, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Planning for children
Replies: 18
Views: 1690

Re: Planning for children

Can you only obtain LTD insurance through an employer? Or is it like life insurance where you can go with any insurance company.

Also...what does LTD insurance cost/year on average?
by ponyboy
Tue Jun 26, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7821

Re: Family dynamics/in laws/am I being petty?

The best thing to do is post about it online and not to your SIL. Seriously though...just speak up and act like an adult.
by ponyboy
Thu Jun 21, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11946

Re: Feel like I'm sinking money into international

I dont own any international. Used to years ago and got rid of it all.
by ponyboy
Tue Jun 19, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5750

Re: Road trip Pennsylvania,Maryland,and DC

. . . I live in northeast PA...trust me. Philly is a wreck... . . . An incredibly dumb statement, and I'm being polite. Independence Hall (a UNESCO World Heritage Site), Valley Forge, the Liberty Bell, the Franklin Institute, Philadelphia Museum of Art, the Academy of Music, Chadds Ford (Andrew Wye...
by ponyboy
Tue Jun 19, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5750

Re: Road trip Pennsylvania,Maryland,and DC

Theres not much in PA...I wouldnt even put it on the list. I live in northeast PA...trust me. Philly is a wreck...pittsburgh is decent but too far away from DC...again, not much to see in pitt. Amish country is lame imo. You'll just want to focus almost all of your attention on DC. We used to live t...
by ponyboy
Tue Jun 12, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7852

Re: Boring Job

Better the devil you know than the devil you dont. Be careful what you wish for. It takes you 2 hours to get your job done. Ask for more work and you shall receive. Then your days may be swamped. Then what?? You cant go back to that 2 hour day. Ive always worked at jobs that required little work...a...