Search found 511 matches

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: 28
Views: 1850

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: 77
Views: 3203

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: 77
Views: 3203

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: 7018

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...
by ponyboy
Mon Jun 11, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 734
Views: 202836

Re: Share your net worth progression

Am I the only one who thinks these threads are pretty useless, and are their own warped version of comparing yourself to others and keeping up with the Jones's? Yeah...for the most part its worthless. Just throwing number down doesnt paint a very clear picture. Would be nice if there were more deta...
by ponyboy
Tue Jun 05, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4639

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

This is no different than working for the government vs private contractor. Government has more stability, having to work less hours, good benefits, less pay Private contractor has less stability, having to work more hours, benefits arent as good, pay is almost always much more Doesnt matter if its ...
by ponyboy
Fri Jun 01, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3509

Re: Sherwin Williams paint

You pay a premium for SW...but for good reason. its the only paint I use. Im painting over walls that already had a light coating of paint...but I never had to apply more than 1 coat. I painted primer on new drywall...then SW...again...no more than 1 coat with the final color.
by ponyboy
Thu May 31, 2018 6:37 am
Forum: Personal Finance (Not Investing)
Topic: The Side Hustle
Replies: 65
Views: 8182

Re: The Side Hustle

If you're willing to share, I would be curious in learning how you arbitrage credit rewards without "churning". The general gist is well known. The colloquial term is manufactured spending. Basically you find loops whereby you can put spend on a card to generate points and then pay off the credit c...
by ponyboy
Tue May 29, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: New roof - does this ridge vent look right?
Replies: 40
Views: 3565

Re: New roof - does this ridge vent look right?

To answer a couple questions: Yes, they did cut out a vent in the plywood sheets. I can see it from the attic, a few inches on each side of the peak. The job included a permit. This was a full tear down roof to the underlayment. UPDATE: I just spoke with the owner of the company. He said it "looks ...
by ponyboy
Fri May 25, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 4725

Re: Hawaii vacation suggestions

I'm just now booking my first trip to the Islands in March of 2019. I'll be on the big island for 6 days and then 4 days on Maui. I am a fan of outdoor stuff... Hiking up to 20 miles a day, I tired surfing on the west coast a few times(but I stick to snow sports now) Scuba diving, running, cycling,...
by ponyboy
Thu May 24, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 166
Views: 13355

Re: Renting vs Owning Your Home

Owning isnt cheaper imo. Yearly...the amount I pay in property taxes, insurance, and added utilities would nearly cover my rent for a year. Now start adding upgrades, buying more stuff for the house...and fixing things when they break. Oh and the amount of lost money due to not being able to invest ...
by ponyboy
Wed May 23, 2018 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Buy an old farmhouse?
Replies: 52
Views: 5044

Re: Buy an old farmhouse?

Pass on it. You can always buy land and build on it. You're going to dump a ton of money into a house that old. Things you cant even imagine. Go ahead and throw a budget together on what you'd like to have done...then add another 40% on top of that number...thats what it will cost you (if you're luc...
by ponyboy
Wed May 23, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1851

Re: Babymoon - Hawaii Recommendations/Expected Costs

Ill echo what someone else said...I cannot recommend heading to hawaii for a few days. Its just too far.

Ive been there 4 times from the east coast...we usually go around 2 weeks each time...thats the bare minimum for us. You blow 2 days traveling there...1 day there and 1 day home.
by ponyboy
Mon May 21, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5416

Re: Finance a $28,000 house for Brother?

I didn't know you could buy a $28k house, which didn't need to be condemned. If a $28k house in decent condition exists, a compromise is you buy the property and rent it back to him at zero profit. That should limit your downside, as you own the property, and be cheaper than $600/month for him. You...
by ponyboy
Fri May 18, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4246

Re: Surgeon salary vs owning a business salary/profit?

I have 2 friends who pursued the surgeon career. I wouldnt trade my life for theirs any day of the week...my wife and I make a combined $160k in a LCOL area. The amount of hours they had to put in for 10ish years to become a surgeon is ridiculous. They are just out of I guess residency...that time a...
by ponyboy
Thu May 17, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 209
Views: 12343

Re: how do you tip on wine at a restaurant

GCD wrote:
Wed May 16, 2018 8:23 pm
theplayer11 wrote:
Wed May 16, 2018 7:34 pm
real men drink beer
and don't eat quiche.
What kind of real man doesnt eat eggs and cheese?
by ponyboy
Wed May 16, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 318
Views: 24256

Re: Lucrative careers?

My wife is a fed and makes $115k...shes only been with them for 5 years and shes fairly early in her career (34 years old.) She is insanely motivated and intelligent to say the least. I married up...w00t.
by ponyboy
Wed May 16, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Would you send your children to private school in my situation?
Replies: 93
Views: 6394

Re: Would you send your children to private school in my situation?

Unless you live in an area with horrible public schools...I would put off the private school thing. In elementary the kids are learning basic material. Going to private vs public wont make a difference. Maybe in high school you could reconsider...but just remember...your kids are going to make frien...
by ponyboy
Wed May 16, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3022

Re: Brake work estimate

Have you tried pricing out what rear rotors cost? Im seeing $59 for one rear rotor at advance auto... $118 total minus 20% coupon...so around $100 after tax. $60 for pads minus 20% coupon...so around $50 after tax. $150 in parts...not sure what supplies means...guess they charge to use tools...which...
by ponyboy
Wed May 16, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 5193

Re: Large Personal Injury Settlement

Im not sure how it works but will you be on disability for the rest of your life? Meaning you'll be receiving a monthly check? Either way...3 million at your age should set you up for life if you are responsible. And like others said...do not tell anyone about your settlement. Definitely reach out t...
by ponyboy
Mon May 14, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5628

Re: Are bonds really needed - why not 100% stocks?

https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations The average return for 100/0 is 10.2% The average return for 70/30 is 9.1% The difference is 1.1% The worst year for 100/0 is -43.1% The worst year for 70/30 is -30.7% The difference is 12.5% So, you are getting ...
by ponyboy
Mon May 14, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Rental car damage claim
Replies: 10
Views: 1542

Re: Rental car damage claim

I once backed into a sign with my rental car...busted the back tail light. Was never charged for it...my guess is the person at the airport missed it, lol. It was dropped off around 4am...there were prob 20 cars sitting there that needed to be returned. Prob just rushed to get them back in service.
by ponyboy
Wed May 02, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 10542

Re: Have you quit eating sugar? Tell me how!

Its crazy how people still think fruit is good for you. Its pure sugar. Your body cannot tell the difference between sugar from a soda or from an apple. Juicing is even worse. You're getting everything in liquid so you can consume much much more. Its so terrible...dont do it. Not to mention sugar in...
by ponyboy
Mon Apr 30, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17829

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Yep...tell the dealer you'll be bringing the car back...and they can provide a full refund. Something sorta similar happened to my dad. Bought a new gmc sierra. Had truck home...2 days later they called and said something happened with financing and the interest rate would increase slightly. He basi...
by ponyboy
Mon Apr 30, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8968

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

I also recommend making sure both know how to change a tire. Get a breaker bar so they can loosen the lug nuts. They're like $10 at harbor freight. No matter how hard the lugs are on the weakest person can get them off with a breaker bar. AAA is great...but like others said...they wont have cell ser...
by ponyboy
Sun Apr 22, 2018 2:43 am
Forum: Personal Consumer Issues
Topic: AAA? What to do in car emergencies?
Replies: 90
Views: 5731

Re: AAA? What to do in car emergencies?

But as I was driving on the highway, I realized that, without my husband, I have no clue what to do if I have a flat or a breakdown or an accident. Is AAA still the thing to do? AAA is an expensive and bad idea. 30 yrs ago they were the only game in time and people are stuck in old habits. Any auto...
by ponyboy
Mon Apr 16, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Slow internet speed question
Replies: 2
Views: 322

Slow internet speed question

I pay for 150mbps down. If I hard wire a laptop directly into the cable modem...I get 150mpbs down. its a docsis 3.0 so no issues there. I have a wireless router...cable modem connects to that. When I hard wire into the wireless router I only get 70mbps down. Its a 10/100 router. If I upgrade to a g...
by ponyboy
Sun Apr 15, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4344

Re: Is it necessary to replace brake fluid on a car every 3 years?

Ive owned my car for 9 years and replaced the brake fluid 1 time...1 year ago. Actually I didnt really replace it...I just sucked out some of the old fluid from the reservoir and added new. Ive changed brakes 3 times...no issues. Actually ive owned 3 cars in my life...all were owned by family member...
by ponyboy
Sat Mar 24, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Toyota truck frame replacement program
Replies: 23
Views: 3239

Re: Toyota truck frame replacement program

I have a 2009 tacoma...ive been getting the frame sprayed each year...no issues so far. One dealership said they can take a look at it but if they deem the frame to be unsafe/needing replaced that they would seize the vehicle...give you an old loaner car (not truck) and at some point replace the fra...
by ponyboy
Thu Mar 22, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Losing friends/family when wealthy
Replies: 118
Views: 10702

Re: Losing friends/family when wealthy

I dont think it has anything to do with your wealth...since you're in the stealth wealth category. As you get older you have different priorities in life. Im 35 and I can already see my once really close friends arent as close anymore. We try to get together once every 2 months or so. The issue is w...
by ponyboy
Wed Mar 14, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What address do people put if they live in their car?
Replies: 37
Views: 5236

Re: What address do people put if they live in their car?

In all honesty why do you even need a mailbox? Everything that I can think of can be set up electronically (emailed.) If you dont own a house and just travel around and live in your car...I cant think of a need to have a physical mailbox.
by ponyboy
Wed Mar 07, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 1895

Re: Best Colorado Skiing

Love Breck...place is massive. Keystone is awesome...plus they have night skiing. I really enjoyed copper mountain too. Its hard to go wrong at any of those places. We were just in whistler...i wouldnt have to go back there. Long flight (east coast) and the skiing wasnt any better than colorado skii...
by ponyboy
Tue Mar 06, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Painter did a sloppy job -- seeking advice on next steps
Replies: 28
Views: 2976

Re: Painter did a sloppy job -- seeking advice on next steps

I don't think it is possible to color match a patch on a wide flat surface. If nothing else the same paint aged and accumulating some dirt will look different. If that is a wall or a ceiling you need to paint the whole thing to edges and corners at the least. It might still be difficult for patched...
by ponyboy
Fri Jan 12, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Getting your spouse on the same page
Replies: 53
Views: 5503

Re: Getting your spouse on the same page

These threads always end up the same, so yeah just go read the others. getting their spouse to follow a plan My experience is that you generally can't "get" anyone to do anything they don't want to do. Except begrudgingly and only if you have serious power over them, like you can fire them. 100% ag...
by ponyboy
Fri Jan 12, 2018 11:38 am
Forum: Investing - Help with Personal Investments
Topic: 26, have a job, now what?! Seeking advice!
Replies: 43
Views: 2356

Re: 26, have a job, now what?! Seeking advice!

My husband works part time, and has NO interest in money. He would rather be poor than work. I don't mind so much because he tends to all the household chores. When we have children he will be a stay at home dad, so its looking like it might decrease in the future. Big red flag imo. Someone who cou...
by ponyboy
Fri Aug 11, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 7589

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: 2720

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: 2720

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: 5629

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: 2720

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: 3473

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: 83
Views: 9675

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: 3727

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: 7517

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: 9695

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: 433
Views: 50577

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: 3694

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: 1265

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: 6829

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: 8341

Re: What are your monthly expenses?

my expenses are less than my take home pay...thats all.