Search found 889 matches

by mlipps
Wed Oct 03, 2012 8:23 am
Forum: Personal Consumer Issues
Topic: Used pickup truck advice
Replies: 17
Views: 1769

Re: Used pickup truck advice

http://www.mrmoneymustache.com/2012/03/19/top-10-cars-for-smart-people/ I think if you want a used car, you should look at this post on Mr. Money Mustache and reconsider getting a pickup or SUV altogether. Sorry to complicate things, but I just don't think either are necessary, even in serious snow...
by mlipps
Wed Oct 03, 2012 8:08 am
Forum: Personal Finance (Not Investing)
Topic: US bank Promo offer
Replies: 5
Views: 807

Re: US bank Promo offer

I don't think it's worth the hassle to change it permanently, but I do think it's worth the hassle to change it to make $200, then close the account.
by mlipps
Tue Oct 02, 2012 6:52 pm
Forum: Investing - Theory, News & General
Topic: ESPN 30 for 30: Broke
Replies: 16
Views: 1765

Re: ESPN 30 for 30: Broke

Just out of college, but so are most NFL players.
by mlipps
Tue Oct 02, 2012 6:10 pm
Forum: Investing - Theory, News & General
Topic: ESPN 30 for 30: Broke
Replies: 16
Views: 1765

Re: ESPN 30 for 30: Broke

Nathaniel Hawthorne took part in a Utopian community experiment, Brook Farm, that was sort of run by Cambridge intellectuals, and was all about the dignity of agricultural labor and such--everyone was supposed to do serious agricultural work to make money to support the place--and discovered that a...
by mlipps
Tue Oct 02, 2012 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 23350

Re: The 4-year mortgage payoff plan

October Update: We were able to stay on track this month and came out $50 below our $1,000 non-bill budget. We paid an additional $3,861.60 of principle this month which knocked ~7 months of payments off. Remaining principle balance is now $144,567. The aesthetically pleasing ascii progress chart, ...
by mlipps
Tue Oct 02, 2012 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Illinois' prepaid tuition plan reopens, should we do it?
Replies: 19
Views: 1697

Re: Illinois' prepaid tuition plan reopens, should we do it?

Not all of them are like this. The Maryland one is, IIRC, backed by the MD government. More importantly, the state of Illinois is broke. That alone would give me pause. I'm well aware of my state's poor fiscal condition. Everyday when I read about the six figure pensions, double dippers, etc. my bl...
by mlipps
Tue Oct 02, 2012 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of Thumb...Credit Card Limit
Replies: 52
Views: 6586

Re: Rule of Thumb...Credit Card Limit

My limit is pretty close to equal to my annual income. I have a few cards right now. One I'm holding onto from college for the long history, 3 I'm using regularly for different kinds of rewards, and 2 I got for the signup bonuses. I don't think your limit makes much difference as long as you're not ...
by mlipps
Tue Oct 02, 2012 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Illinois' prepaid tuition plan reopens, should we do it?
Replies: 19
Views: 1697

Re: Illinois' prepaid tuition plan reopens, should we do it?

Can't the same be said about most if not all prepaid plans? Without looking at every prepaid plan out there I have to think Illinois' is not the only one depending on new investors to fund the plan. Not all of them are like this. The Maryland one is, IIRC, backed by the MD government. More importan...
by mlipps
Mon Oct 01, 2012 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Going to Sydney
Replies: 29
Views: 2457

Re: Going to Sydney

My favorite thing I did in Australia was a cliff top walk from Bondi Beach to Bronte. Free (of course) and beyond gorgeous. I took a city bus there and back from the CBD. Highly recommend taking an hour or two to do so.
by mlipps
Mon Oct 01, 2012 6:44 am
Forum: Personal Consumer Issues
Topic: "People to People" Student Ambassador Program?
Replies: 9
Views: 1053

Re: "People to People" Student Ambassador Program?

If you can afford it, fine, but if a real study abroad experience in college might come at the expense of this, I would reconsider.
by mlipps
Fri Sep 28, 2012 6:49 pm
Forum: Personal Consumer Issues
Topic: OKOBAN and similar systems for returning lost items
Replies: 3
Views: 673

Re: OKOBAN and similar systems for returning lost items

I think these are pretty unrealistic. While lots of people might be good enough to turn something into lost & found (minimal effort) very few are going to find something like this and carry thru with reporting it. Much easier just to not lose your stuff.
by mlipps
Thu Sep 27, 2012 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 12284

Re: Cell phones breaking budgets!

Internet $55/month, but about to go up when we upgrade to a business class line for fiancee's "project". (It's a project until he has paying customers...). Just added cable TV for $25, but only until college football ends. I pay $73/month after my discount for my Sprint plan, unlimited to any mobile...
by mlipps
Thu Sep 27, 2012 3:21 pm
Forum: Personal Consumer Issues
Topic: How to reduce cable bill
Replies: 23
Views: 2228

Re: How to reduce cable bill

I recently called TW with the full intention of just cutting the TV completely (we have a HD set-top box with expanded HD (no recorder)). I wanted to just keep the cable for Internet service. So I said take the Box out and cut the TV service (we have Roku boxes for mostly Netflix over wi-fi for ent...
by mlipps
Thu Sep 27, 2012 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Upset with Chase over checking account
Replies: 58
Views: 5755

Re: Upset with Chase over checking account

PNC still offers free accounts. Worth it to try to get the Performance account though, requirements are low and it allows you free ATM transactions anywhere. Edited to add: Their website is a mess this week as they're doing updates and had hacking attempts last night. It's usually fine. PNC is horr...
by mlipps
Thu Sep 27, 2012 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Upset with Chase over checking account
Replies: 58
Views: 5755

Re: Upset with Chase over checking account

Here is a trick for you: If you have an ING account do a transfer of $500 each month and transfer the money back to ING the next day. The ACH push counts as direct deposit. Also, if you are really upset about chase, you can open various bank accounts/credit cards to get the opening bonus off them. ...
by mlipps
Thu Sep 27, 2012 12:35 pm
Forum: Personal Consumer Issues
Topic: How to reduce cable bill
Replies: 23
Views: 2228

Re: How to reduce cable bill

I don't know how tech-savvy you are, but we recently decided to get cable for football season. We live in MD and love the OSU Buckeyes; games are often only on BigTen or ESPN here. Rather than pay $12/month for the HD receiver, we bought this: http://www.amazon.com/gp/product/B005FPT38A/ref=oh_detai...
by mlipps
Thu Sep 27, 2012 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Upset with Chase over checking account
Replies: 58
Views: 5755

Re: Upset with Chase over checking account

PNC still offers free accounts. Worth it to try to get the Performance account though, requirements are low and it allows you free ATM transactions anywhere.

Edited to add: Their website is a mess this week as they're doing updates and had hacking attempts last night. It's usually fine.
by mlipps
Thu Sep 27, 2012 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Getting started with my financial future
Replies: 5
Views: 671

Re: mlipps -- Bogleheads at their best!

Taylor Larimore wrote:mlipps

Your post reflects Bogleheads at their best.

Thank you and best wishes.
Taylor
Taylor,

What a high compliment. You've made my day.

Sincerest thanks,

Megan
by mlipps
Thu Sep 27, 2012 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Getting started with my financial future
Replies: 5
Views: 671

Re: Getting started with my financial future

I too live in MoCo, MD, and agree with Johm. Especially w/the crazy housing prices here and your income, you are in no position to buy a home until you pay off your student loans. Your emergency fund is also very low. I would "mentally" move your house downpayment to your e-fund to make it a little ...
by mlipps
Thu Sep 27, 2012 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Upset with Chase over checking account
Replies: 58
Views: 5755

Re: Upset with Chase over checking account

Go to your branch, they'll almost certainly waive it for you. I had this happen on an account I was no longer using and got charged two overdrafts for it on top of everything. I went in and they waived all the fees before they closed the account. Of course, I still had my credit card w/them, so that...
by mlipps
Wed Sep 26, 2012 2:35 pm
Forum: Personal Consumer Issues
Topic: External software/website for tracking cash flow
Replies: 12
Views: 574

Re: External software/website for tracking cash flow

https://www.simple.com/ does it too, although it's by invite only right now.
by mlipps
Wed Sep 26, 2012 2:34 pm
Forum: Personal Consumer Issues
Topic: External software/website for tracking cash flow
Replies: 12
Views: 574

Re: External software/website for tracking cash flow

Even with the old system it seems like a lot of work and worry just to be able to move a couple thousand dollars from your checking account to somewhere else where it is earning... what? Why not keep the cushion and sleep easy? With the old system it was practically no work at all -- maybe I'm not ...
by mlipps
Wed Sep 26, 2012 2:30 pm
Forum: Personal Consumer Issues
Topic: External software/website for tracking cash flow
Replies: 12
Views: 574

Re: External software/website for tracking cash flow

PNC Virtual Wallet does this. I would like to point out that I'm not just a schill for PNC, just a happy customer, as I just recommended them on another thread! At any rate, it's not exactly what you describe, but it shows all scheduled transactions on a calendar. Bill pay from PNC to a vendor gets ...
by mlipps
Wed Sep 26, 2012 1:59 pm
Forum: Investing - Theory, News & General
Topic: "3 Good Money Habits Going Obsolete--"
Replies: 28
Views: 4812

Re: "3 Good Money Habits Going Obsolete . ."

Interesting article. I must admit I have all of the "old" habits, but, I can see that the potential additional interest earned is currently very small. An ongoing gripe I have with paying bills using my bank's online service is that I have to manually calculate what the bank balance will be in 15 d...
by mlipps
Tue Sep 25, 2012 9:44 am
Forum: Personal Finance (Not Investing)
Topic: What's the best way to get a job?
Replies: 28
Views: 2480

Re: What's the best way to get a job?

"TEMP" is a very general term and they aren't necessarily low end jobs that nobody wants. My company employs many "TEMPS" that make $100/hr. I don't think anyone would consider that low end. We don't call those Temps, we call them Consultants. :greedy I started my current job as a temp. We have ano...
by mlipps
Mon Sep 24, 2012 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's the best way to get a job?
Replies: 28
Views: 2480

Re: What's the best way to get a job?

Lately I've been reading a blog called Ask A Manager, has tons of valuable advice.
by mlipps
Mon Sep 24, 2012 2:48 pm
Forum: Personal Consumer Issues
Topic: Brittany spaniel pup
Replies: 26
Views: 4406

Re: Brittany spaniel pup

We have a 6 month old Brittany. While she is smart and can be very loving, we are having difficulty with her biting and jumping? She gets lots of exercise and attention. We like having her inside, but she gets so bitty that we have to put her back outside. Any suggestions?? Also having difficulty l...
by mlipps
Tue Sep 18, 2012 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you splurge?
Replies: 31
Views: 3301

Re: Where do you splurge?

I think I'm used to living like a college student still, so my biggest luxury is actually having money in my bank account at the end of a pay period. In my book, my splurges are eating out once or twice a week (if it's twice it's usually because of a Groupon type deal), having money each month to sa...
by mlipps
Mon Sep 17, 2012 9:20 am
Forum: Personal Consumer Issues
Topic: coping with 9/80 schedule ?
Replies: 68
Views: 6686

Re: coping with 9/80 schedule ?

You seem frustrated in particular about feeling like you don't have time to cook dinner at night. It might be a little thing, but hey, it would bug me too. Maybe you can take your day off to do some freezer cooking. I try to do this myself every weekend to have some quick snacks/meals ready for the ...
by mlipps
Mon Sep 17, 2012 9:06 am
Forum: Personal Consumer Issues
Topic: If you could retire anywhere, regardless of healthcare, etc.
Replies: 118
Views: 14777

Re: If you could retire anywhere, regardless of healthcare,

If I could take my friends and family with me, I think I'd retire to a beach town outside Sydney and get a camper van to travel around Oz. Also do lots of travelling to NZ.
by mlipps
Mon Sep 17, 2012 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Checking account with no fees to receive foreign remittances
Replies: 10
Views: 966

Re: Checking account with no fees to receive foreign remitta

I can receive a certain number of free incoming wires with my PNC account, but I'm not sure about the currency fees.
by mlipps
Fri Sep 14, 2012 8:51 pm
Forum: Personal Consumer Issues
Topic: Using Window Air Conditioners to lower energy bill?
Replies: 33
Views: 6243

Re: Using Window Air Conditioners to lower energy bill?

My parents did this this year. My moms logic being that our ac is from around 1975 and cannot possibly be efficient, not to mention that's bound to die any day and they can't afford to replace it. My parents are quite frugal with heating and cooling. They only put them into their bedroom and kitchen...
by mlipps
Fri Sep 14, 2012 2:23 pm
Forum: Personal Consumer Issues
Topic: How to start a startup
Replies: 16
Views: 1814

Re: How to start a startup

I've been reading the $100 Startup lately. And there's always Startup Chile.
by mlipps
Fri Sep 14, 2012 2:07 pm
Forum: Personal Consumer Issues
Topic: Share a grocery list with wife.
Replies: 20
Views: 1885

Re: Share a grocery list with wife.

Google Docs is probably fine on an iPad, but it's awful on my iPhone. I use GroceryIQ; I believe it has this functionality. I've never personally used it as my boyfriend doesn't want/have a smartphone. :?
by mlipps
Fri Sep 14, 2012 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: MIST
Replies: 19
Views: 1249

Re: MIST

I'm skeptical of any theory that lumps together South Korea, a more or less totally developed/industrialized nation, with Mexico, in the middle of a giant drug war...etc. I don't see any immediate correlation here.
by mlipps
Mon Sep 10, 2012 9:42 am
Forum: Personal Consumer Issues
Topic: I think Vanguard should up their Flagship game
Replies: 114
Views: 9934

Re: I think Vanguard should up their Flagship game

Lower fees are my idea of a good perk. On a portfolio of $1M, a difference in expense ratios of .05% compared to competitors is an extra $500 per year. I'd much rather have that than some Vanguard t-shirts or other stuff which I don't really want. Agree. If you want these things, you pay for them.
by mlipps
Mon Sep 10, 2012 9:39 am
Forum: Personal Finance (Not Investing)
Topic: College Debt: Be Careful
Replies: 64
Views: 8004

Re: College Debt: Be Careful

The solutions you propose are mostly wise, but rely on the universities to take action where they have little incentive. I'm not a fan of unnecessary government intervention, but there seems to be one very simple solution: require all universities to prorate grants and scholarships for part time stu...
by mlipps
Sun Sep 09, 2012 7:32 am
Forum: Personal Consumer Issues
Topic: your dream job... ?
Replies: 20
Views: 1993

Re: your dream job... ?

Realistic, goal dream job: project manager for an international development org. Since we're dreaming, I'll be more specific and say for Heifer International in South America, although I probably won't be so picky in real life. Less realistic, but still another goal: Owning a rotational grazing beef...
by mlipps
Fri Sep 07, 2012 5:46 am
Forum: Personal Consumer Issues
Topic: Most reliable used vehicles?
Replies: 50
Views: 7813

Re: Most reliable used vehicles?

My parents have 3 Toyota Corollas. Two are 2000+ models, bought new. The third is a 1991 with 194,000 miles. We got it when I was 7 in 1996 and I inherited it when I got my license. I have no need for it in the city so my parents keep it. We have maybe put $750 into it over its lifetime for repairs....
by mlipps
Thu Sep 06, 2012 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: 32, professional, about to start saving for retirement
Replies: 34
Views: 3068

Re: 32, professional, about to start saving for retirement

For my boyfriends 401k we had a digital prospectus we pulled up on Hartford's website. I think you can access the same info by just googling "JP Morgan Target XXXX" and going to their site. The ER of course might be different but the glide path is the same for all their funds. Beyond that, one tacti...
by mlipps
Thu Sep 06, 2012 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: 32, professional, about to start saving for retirement
Replies: 34
Views: 3068

Re: 32, professional, about to start saving for retirement

I just ordered a new book, "Your Money Ratios", which might be help to this friend. I received it yesterday and upon looking through it, I think it is a solid resource. Basically, his theory is you need to save 12% up to age 45, then 15%, to have a secure retirement. I'm not sure it's so black and w...
by mlipps
Thu Sep 06, 2012 9:38 am
Forum: Personal Consumer Issues
Topic: Folding bike
Replies: 22
Views: 2354

Re: Folding bike

I've been considering a folder for a DC commute. It's about 10 miles one way, and I just can't bring myself to hassle w/showering at work, etc., so I'd like to take a folder w/me in the AM then ride home in the PM. It's a little hilly here. I might also do something like ride my bike partway home th...
by mlipps
Wed Sep 05, 2012 4:21 pm
Forum: Personal Consumer Issues
Topic: Film darkroom advice
Replies: 26
Views: 2456

Re: Film darkroom advice

For all the film photographers out there who have experience making your own black and white prints, do you feel that learning this skill would be a worthy use of my time and money? I've been shooting and developing my own rolls of black and white film in my bathroom for a few years now. Once devel...
by mlipps
Wed Sep 05, 2012 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Giving an Employee a gift??? Tax issue
Replies: 27
Views: 2613

Re: Giving an Employee a gift??? Tax issue

It[s just wonderful that non-profits look for ways to avoid taxes on employee compensation. That includes federal, state and local, FICA and medicare. I would discourage this practice and not contribute to it,. In addition to being immoral, it may be illegal. I didn't get the impression that they w...
by mlipps
Wed Sep 05, 2012 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Next Logical Step For My Portfolio (24 years old)
Replies: 32
Views: 3575

Re: Next Logical Step For My Portfolio

I'd knock out those student loans. If you've got $300/mo that needs a place to go applying that to your student loan payments will make those disappear in short order. +1. And for 2013, I'd pay off your student loans first, then contribute to your Roth. You might be able to finish them next year an...
by mlipps
Wed Sep 05, 2012 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Cost-Efficient Options for Short-Term Rentals [1-3 Months]?
Replies: 10
Views: 1241

Re: Cost-Efficient Options for Short-Term Rentals [1-3 Month

What about looking into "student" housing? It's not usually private, but I remember seeing it in Chicago for about $700-800/person to share a 2 bedroom apartment, and I think rates are similar in the burbs of DC according to friends. That could work for sure - actually makes me wonder (though I rea...
by mlipps
Tue Sep 04, 2012 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cost-Efficient Options for Short-Term Rentals [1-3 Months]?
Replies: 10
Views: 1241

Re: Cost-Efficient Options for Short-Term Rentals [1-3 Month

What about looking into "student" housing? It's not usually private, but I remember seeing it in Chicago for about $700-800/person to share a 2 bedroom apartment, and I think rates are similar in the burbs of DC according to friends.
by mlipps
Tue Sep 04, 2012 4:36 pm
Forum: Personal Consumer Issues
Topic: Most reliable used vehicles?
Replies: 50
Views: 7813

Re: Most reliable used vehicles?

Oh, one other car mentioned on Mr. Money Mustache today: 1st model Honda Insight, apparently gets 70 or so MPG and sells for about $5k now.
by mlipps
Tue Sep 04, 2012 4:34 pm
Forum: Personal Consumer Issues
Topic: Car Buying Advice: 2012 Camry vs Sonata vs Passat vs Altima
Replies: 31
Views: 3907

Re: Car Buying Advice: 2012 Camry vs Sonata vs Passat vs Alt

mike143 wrote:Crown Vic
Sorry, you must have us confused w/FatWallet ;)
by mlipps
Tue Sep 04, 2012 3:10 pm
Forum: Personal Consumer Issues
Topic: Most reliable used vehicles?
Replies: 50
Views: 7813

Re: Most reliable used vehicles?

http://www.mrmoneymustache.com/2012/03/ ... rt-people/

I found this link on Mr Money Mustache the other day and bookmarked it for the (much despised) day in the future when I finally have to break down & buy a car. Seems useful.