Search found 14 matches

by myfrogger
Wed Oct 30, 2019 3:04 am
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4693

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

I ordered from Freshly.com for a couple years. I primarily chose Freshly because I could purchase for one person. It led to me losing 40lbs very slowly. I simply replaced one meal per day with a healthier option saving about 500 calories per meal. That led to losing about 1 pound per week, less over...
by myfrogger
Sat Jul 27, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a preparer for complex tax returns and consultation
Replies: 20
Views: 1759

Re: Finding a preparer for complex tax returns and consultation

The person that mentioned that they are spending $5k on their return is on par. This is the expectation I suggest you have also. There are many out there with the expertise you want. Good luck and thanks for bumping the thread with updates.
by myfrogger
Fri Jul 26, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: AirBnB asking for govt photo ID verification to book
Replies: 18
Views: 1658

Re: AirBnB asking for govt photo ID verification to book

Individual hosts can mark their listings to require that ID is verified. You don't have to book that listing and choose another because I don't want to submit my ID. I always recommend people avoiding the listings that require an ID. But to each their own...
by myfrogger
Sun Aug 19, 2018 5:31 pm
Forum: Personal Investments
Topic: How to Begin with 1M
Replies: 150
Views: 23450

Re: How to Begin with 1M

I understand that during a difficult time it would be easy to get into a situation like this. Luckily it hasn't been too long. I know people that didn't discover this forum for years or decades! You're in good shape and that's a nice inheritance that your parents were thoughtful enough to save up an...
by myfrogger
Sat Aug 18, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Health Check at 30. What Can I Do To Improve?
Replies: 23
Views: 2928

Re: Health Check at 30. What Can I Do To Improve?

myfrogger, I used to comment and shame people who I perceived to make more than me but who had worse financial habits than I did. My trollish behavior was brought to my attention, and I decided to quit. People who post here with questions are curious and just want to move in the right direction. I'...
by myfrogger
Sat Aug 18, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Health Check at 30. What Can I Do To Improve?
Replies: 23
Views: 2928

Re: Health Check at 30. What Can I Do To Improve?

The biggest change I've made is to use YNAB religiously to not spend more than I earn . ... I'm 30 years old and make $200k/year... :oops: I can't believe I just read that. But congrats that you are no longer spending more than $200k per year. I might suggest a missions trip or an exploratory trave...
by myfrogger
Sat Aug 18, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1242

Re: Credit Score mysteriously dropped

I agree it seems a little puzzling...but I suspect you'll find something you didn't realize when you get a copy of your credit reports. And if not, then I expect the score to go back up. If you don't need to borrow this moment, the score today doesn't matter....but of course you eventually want to g...
by myfrogger
Fri Aug 17, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1242

Re: Credit Score mysteriously dropped

Check your credit reports for errors. You're entitled to one free report per year at freecreditreport.com It's mandated by law so that's not a free trial type of thing. Check all 3 reports: Experian, Equifax, and Trans Union. It's also more helpful (but slower and more hassle) to get paper reports a...
by myfrogger
Mon Jul 16, 2018 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 7692

Re: Are Credit Cards Actually Convenient?

I have had a similar experience as OP over the years. I think we must not follow the traditional user behavior paths of most people. I constantly set off the fraud alerts and have to call in to verify. Luckily some of this can be done via app or web now. :D
by myfrogger
Thu Jul 12, 2018 8:10 pm
Forum: Investing - Theory, News & General
Topic: Real Estate Investment: Yay or Nay?
Replies: 34
Views: 3823

Re: Real Estate Investment: Yay or Nay?

This is about double what would be considered a good investment. Old rule of thumb is 1% of the property value should be the monthly rent. HOA fee is a direct cost so deduct that. So roughly your $800/mo in rent but they want $160,000. I say old rule of thumb because with low interest rates, I see m...
by myfrogger
Thu Jun 14, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: TransferWise versus transfermate
Replies: 3
Views: 823

Re: TransferWise versus transfermate

Is that Canadian dollars? Transfermate seems like a very cost effective option even though I haven't used them. Maybe you don't have to be a business: Are there any fees? There are no transfer fees over 5,000 for registered businesses. A fee of €10 is applied to all transactions initiated by individ...
by myfrogger
Thu Jun 14, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: TransferWise versus transfermate
Replies: 3
Views: 823

Re: TransferWise versus transfermate

Transferwise has worked great for me for over a year. They recently changed their fee structure slightly but still very transparent and good fees. It's gotten much faster but I'm not sure if that's a improvements to their tech or because I have built up a history with them. You do NOT need to do a t...
by myfrogger
Sat Jun 09, 2018 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to help with home loan downpayment?
Replies: 3
Views: 533

Re: How to help with home loan downpayment?

Just write him a check and have him return the funds to you. The potential problem is not on your end at all but by the lender of the house he is buying. They will likely need to see source of funds to close, something like bank statements for 3 months, which he won't have. Your son should ask if he...
by myfrogger
Sat Feb 28, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Hard skills to learn to push me over 50k per year?
Replies: 9
Views: 1521

Re: Hard skills to learn to push me over 50k per year?

I've been a reader on this forum for awhile but always decided not to register because I didn't really want to be active on another message board. I was so compelled by this post that I had to sign up and register. I'm 100% confident that you need to further develop your "soft skills" as you call it...