Search found 476 matches

by ponyboy
Fri Aug 11, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6479

Re: Do not buy new cellphones on ebay

Like the great joey diaz says..."you're going to pay now or you're going to pay later...either way you're going to pay."
by ponyboy
Fri Aug 11, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 2187

Re: Be aware of Project Fi, Google sometimes is evil

My nexus 5x was 1 year 4 months old. Received some update then phone would never boot up...just kept looping at google screen at startup then it would restart. Tried to wipe in the maintenance mode or whatever...didnt help. Chatted with google...they overnight a replacement nexus 5x even though min...
by ponyboy
Fri Aug 11, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 2187

Re: Be aware of Project Fi, Google sometimes is evil

Chatted with google...they overnight a replacement nexus 5x even though mine was out of warranty. Send the old one back...didnt have to pay a penny. And it sounds as though they trusted you to send the old one back after you received a new one. Page Plus refused to replace my inexpensive Moto E whe...
by ponyboy
Fri Aug 11, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4684

Re: Toyota Camry Repair Priorities

Both headlights foggy...3M makes a kit to fix this...its less than $10 and will make your headlights look new again. I dont think many people know about this.
by ponyboy
Fri Aug 11, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Project Fi phone
Replies: 26
Views: 2187

Re: Be aware of Project Fi, Google sometimes is evil

I had a completely different experience with project fi. My nexus 5x was 1 year 4 months old. Received some update then phone would never boot up...just kept looping at google screen at startup then it would restart. Tried to wipe in the maintenance mode or whatever...didnt help. Chatted with google...
by ponyboy
Fri Aug 11, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Opinions Needed - Are We Good?
Replies: 32
Views: 2985

Re: Opinions Needed - Are We Good?

For as much as you two make your taxable account look low to me. I would aggressively save for the next 2 or 3 years then hang it up. Or...ditch the one home and sell the land. If you sell those 2 item and work for another year or two you guys are golden. The game will be won, you'll never have to w...
by ponyboy
Thu Aug 10, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 8133

Re: Aug. 2017 US total eclipse hotel reservations.

Guess im one of the few who couldnt care less about the solar eclipse. Ill be out in washington state...only 1.5 hours from totality line or whatever in oregon. No interest...ill be headed up to olympic np...ill check it out from there. I bought those cheap glasses. My guess is life will go on if I ...
by ponyboy
Wed Aug 09, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell a home to a friend's daughter?
Replies: 31
Views: 3246

Re: Should we sell a home to a friend's daughter?

Make sure if you sell to friends to sell the home "as is." Cut them a break if you want.
by ponyboy
Mon Aug 07, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 6710

Re: Time to leave our dentist??

Get a 2nd opinion.
by ponyboy
Fri Aug 04, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 8629

Re: Are we house poor?

how exactly is one "house poor" when they have a paid off house? :facepalm:
by ponyboy
Wed Aug 02, 2017 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 25923

Re: How much money do you need to retire?

Im not really sure how much we'll need...not yet anyway. We're only 34 and 33. We have a combined $800k in savings/retirement/investments...not including house. No other debts but house, owe $120k, 15 year 0% interest :) Id like to retire before 54...hoping to hit $1mil within next 3 years (depends ...
by ponyboy
Wed Aug 02, 2017 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Will my older self thank me?
Replies: 38
Views: 3321

Re: Will my older self thank me?

You need to find a balance. Not everything is about saving money. Whats the point of working if all you do is save?
by ponyboy
Wed Jul 26, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Help Planning Trip to Olympic National Park
Replies: 18
Views: 973

Re: Help Planning Trip to Olympic National Park

We're headed there in mid august. You're missing the best national park within that area...north cascades np. Puts olympic to shame. Rainier is nice but its a cluster for the most part...too accessible for people. Head to north cascades...in the middle of nowhere...less crowds...unbelievable scenery.
by ponyboy
Wed Jul 26, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Are bitcoins nonsense?
Replies: 73
Views: 5408

Re: Are bitcoins nonsense?

If you want to know the ins and outs of bitcoin then watch or listen to this podcast...Joe rogan experience $581 - andreas antonopoulos. Its from 2014.

https://www.youtube.com/watch?v=5wwbzwUXfgc
by ponyboy
Wed Jul 26, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: What are your monthly expenses?
Replies: 69
Views: 7566

Re: What are your monthly expenses?

my expenses are less than my take home pay...thats all.
by ponyboy
Thu Jul 20, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 2127

SAT scores - whats the point??

Im surprised SAT scores are still the go to for getting into most colleges. Why would a college care what someones SAT score is if they are willing to shell out the money? Heres my thought...SAT scores allow colleges to select candidates who are more likely to prosper in life. That way they can brag...
by ponyboy
Thu Jul 20, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 7645

Re: Would you let your teenager spend all his savings on a gaming computer?

Watty wrote:When my son as about that age he made a MAME machine with a little bit of my help.
This also teaches your son how to acquire things illegally. But you probably own every single game for each rom/emulator you downloaded...right?
by ponyboy
Fri Jul 14, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Tony Robbins new book Unshakeable
Replies: 21
Views: 2622

Re: Tony Robbins new book Unshakeable

This guy never accomplished anything other than telling others to accomplish things. All he does is stand in front of people and tell them to be awesome. What has he done before public speaking that made him the go to expert on how to be great? Its a scam. Its great he gives people confidence but ot...
by ponyboy
Thu Jul 13, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8291

Re: Switch to federal job?

My wife works for the fda. Her job is really stressful. She loves it though. Nice perk is if she works anything over 40 hours she gets credit time...and shes allowed to have 24 hours (3 days) credit time at any given time. Unless we travel for a week or two at a time...shes uses credit time and save...
by ponyboy
Wed Jul 05, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on 1.2m (now 900K) house purchase
Replies: 188
Views: 13008

Re: Seeking advice on 1.2m house purchase

You cannot afford it...pretty cut and dry.
by ponyboy
Wed Jul 05, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I still buy index funds now at such a high price before an impending recession?
Replies: 59
Views: 8390

Re: Should I still buy index funds now at such a high price before an impending recession?

Could someone let me know when the market is going to bottom out? I want to sell way before then and buy when the time is perfect.
by ponyboy
Thu Jun 29, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 4582

Re: Getting a new cooktop, gas vs electric?

They both accomplish the same thing...gas or electric. Gas is hip now...everyone things its cool...so everyone wants gas. Makes no difference. My parents have electric so ive been exposed to it for 24 years. When I moved out the apartment had gas. Didnt make a single difference to me. They both prod...
by ponyboy
Wed Jun 28, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 14081

Re: How did you handle the costs of your child's wedding?

My inlaws gave wife $9k (was/is invested in cibcx account. Yes I know fees are high.)

We didnt sell any shares...ended up paying around $12k for wedding in total. Investment account now over $15k 7 years later. No complaints.
by ponyboy
Fri Jun 23, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 30
Views: 3288

Re: Got rear-ended: any reason not to go through my ins?

People pay insurance then never want to use it...I will never understand.

Call your insurance and file a claim. Let them do the leg work. You pay them to do things like this. nuff said
by ponyboy
Wed Jun 21, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 63
Views: 7185

Re: Co-workers advising to buy house RIGHT NOW

I don't know if it is true or not but supposedly one of the big investors in the 1920's was able to avoid the stock market crash in 1929 when he sold all of his stocks after his shoe shine boy started talking about what a great time it was to buy stocks. This is actually a good point. When you hear...
by ponyboy
Wed Jun 21, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Co-workers advising to buy house RIGHT NOW
Replies: 63
Views: 7185

Re: Co-workers advising to buy house RIGHT NOW

I cant wait for another housing bubble to burst. I have 20 years till retirement...will be nice buying shares on a massive slide. In the meantime its business as usual. DCA each and every month...keep maxing 401k, roth ira...and investing in taxable. Couldnt care less what the sheeple are doing.
by ponyboy
Tue Jun 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 50
Views: 2915

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

Guess the website savingsadvice didnt give enough info...imagine that.
by ponyboy
Fri Jun 16, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12565

Re: Amazon Buys Whole Foods

I find it interesting that people worship bezos/amazon...when in reality he's done more to kill brick and mortar stores than waltons/walmart did. Double standard much?? Now amazon is buying grocery chains...they're been in the tv/movie business now for a couple years and are starting to create thei...
by ponyboy
Fri Jun 16, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12565

Re: Amazon Buys Whole Foods

I find it interesting that people worship bezos/amazon...when in reality he's done more to kill brick and mortar stores than waltons/walmart did. Double standard much?? Now amazon is buying grocery chains...they're been in the tv/movie business now for a couple years and are starting to create their...
by ponyboy
Fri Jun 16, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 6899

Re: Beware Citibank Bonus Promotion

I received my $500 bonus. Would I do it again...absolutely not. Easier ways to make money...like signing up for credit cards.

Citi was rough dealing with over the phone...never again. That account is closed!
by ponyboy
Thu Jun 15, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Contractor took deposit but never did any work. What next?
Replies: 57
Views: 8504

Re: Contractor took deposit but never did any work. What next?

Unfortunately your money is probably gone. Consider this a lesson learned. Next time YOU buy all the material...they can provide you with a list. Its not difficult.
by ponyboy
Tue Jun 13, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4251

Re: which IPAD?

the newest "iPad" non-pro has a much lower quality screen and a lower end processor. If you buy the newest pro, you'll get more years of use out of it (or at least better resale if you get the upgrade itch). Its a 9" screen...240p will look like high definition on it. Dont be fooled by the specs......
by ponyboy
Tue Jun 13, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Advance career or take more time off in late 30s?
Replies: 15
Views: 2012

Re: Advance career or take more time off in late 30s?

Better the devil you know than the devil you dont.
by ponyboy
Thu Jun 08, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio?
Replies: 138
Views: 9154

Re: 100% Stock Portfolio?

In terms of return there isnt much difference between a 100/0 or an 80/20. The 80/20 protects you more when the market crashes. I believe going 100/0 was only generating 1.5% more returns.
by ponyboy
Mon Jun 05, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's the difference between a Trust and a Will?
Replies: 24
Views: 2214

Re: What's the difference between a Trust and a Will?

For a Will...the lawyer wins (huge fees.)

For a Trust...the lawyer loses (lower fees.)
by ponyboy
Sun Jun 04, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 4933

Re: New Milestone

I dont view our home as an investment...so I never include it in NW. With that being said we just hit $700k...33 and 34 years old. Hoping to reach 1MM net worth by 40...not including home...which is $300k :)
by ponyboy
Sat Jun 03, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Do I need umbrella insurance?
Replies: 17
Views: 2225

Re: Do I need umbrella insurance?

Get it...peace of mind. Its cheap...small price to pay to avoid catastrophe.

I just signed up for it through geico. 1,000,000 policy for $130/year.
by ponyboy
Fri Jun 02, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: Responding to a weird job interview question..
Replies: 31
Views: 3399

Re: Responding to a weird job interview question..

My teenage job involved working with older co-workers whose every other word seemed like a curse, and they would often go into detail about their sexual and drug/alcohol-related exploits. This was probably my favorite part of working in a factory when I was in college. Everything else sucked but th...
by ponyboy
Thu Jun 01, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 45
Views: 2972

Re: Changing Car Cabin Air Filter - after how much time

toyota corolla 2009...takes about 3 minutes to change a cabin air filter. I change yearly.

Engine air filter...takes about 7 minutes to change...I change yearly.

Both filters are around $10/each.
by ponyboy
Thu Jun 01, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2985

Re: Car engine dispute

mouses wrote:
By the way, saying a 2012 car is at the end of its life is ridiculous.
Year of the car is irrelevant. The amount of wear and tear on the car is the only thing that matters. 150,000+ miles in less than 5 years is a lot. How many cars do you know that go over 200,000? Not many.
by ponyboy
Thu Jun 01, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 3754

Re: Nephews play football - don't want to encourage this

Considering you can get CTE from riding jet skis...yea its true...the constant thrashing from jumping waves. Next time you're at the beach or lake and there is a jet ski around...listen to it for a minute. When you hear it roaring then theres a brief pause them a loud thump and roaring, brief pause,...
by ponyboy
Thu Jun 01, 2017 8:05 am
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 2985

Re: Car engine dispute

1qt of oil per 1,000 is pennies on the mile. Nothing to stress over...just add oil. You can order chevron oil from amazon for $12 for 5qts. So its going to cost you around $2.50 per 1,000 miles. Not a big deal...and like others said...your car isnt going to last too much longer.
by ponyboy
Thu Jun 01, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 3754

Re: Nephews play football - don't want to encourage this

Football camp starts soon for our boys. We can't wait! Nothing beats football season. It's a great, American sport. No doubt its fun to watch. Me not having kids...I couldnt care less if people play and end up with CTE later in life...doesnt affect me one bit. Heck I encourage it. Nothing better th...
by ponyboy
Thu Jun 01, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 3754

Re: Nephews play football - don't want to encourage this

Actually I believe the data shows that the use of helmets has increased the number of concussions because the players can now use their heads as weapons since they think their heads are better protected because of the helmets. Yup...people hate to hear this but its true. Helmets give a false sense ...
by ponyboy
Tue May 30, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3917

Re: Umbrella Insurance options

I just purchased a 1,000,000 umbrella policy through geico (same as auto and homeowners.) Total came to $130/year.
by ponyboy
Tue May 30, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 6134

Re: best way to buy tires

Buy your tires from walmart on black friday. By far the cheapest price you'll ever receive. Not even tirerack or tirebuyer...whatever those onlines sites are come close. You can thank me later.
by ponyboy
Wed May 24, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902472

Re: What Movie Have You Recently Watched?

Get Out - Awesome movie...unique

Logan - More of the same from wolverine...I really hope they stop making these movies. The movie "get out" was probably 10x better than Logan.
by ponyboy
Tue May 23, 2017 7:43 am
Forum: Investing - Theory, News & General
Topic: Zacks says sell Wellesley!?
Replies: 92
Views: 12632

Re: Zacks says sell Wellesley!?

Who's zacks? I also have wellesley...no complaints here. No plan of selling...have a nice day.
by ponyboy
Wed May 17, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: New member retirement Check Up
Replies: 12
Views: 1262

Re: New member retirement Check Up

Yes you're on track to retire by age 55...sooner if you want.

Just keep doing what you're doing. It takes time but you'll get there.
by ponyboy
Mon May 15, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 4477

Re: Switch from iPhone to Google Fi and Pixel?

Ive been on project fi for almost a year now. Have the nexus 5x. I use less than 100mb of data a month though. Im almost always connected to wifi. Bill hasnt gone over $28/month. If you're a slave to cellular data then fi isnt for you. There are cheaper options.