Search found 76 matches

by pindevil
Wed Feb 22, 2017 4:14 pm
Forum: Personal Investments
Topic: Requesting review of my IPS (Doctor)
Replies: 23
Views: 2042

Re: Doctor requesting review of my IPS

obafgkm wrote:When I saw this subject, I was expecting a different kind of question. I didn't know doctors needed to see a patient's investment policy statement...
:shock:
Lol.. I thought the same thing. These doctor types have gone too far!
by pindevil
Tue Feb 14, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: New cars or Pool?
Replies: 71
Views: 7585

Re: New cars or Pool?

RoadHouseFan wrote:Purchase the cars and get a membership to a water park. Pools are a major headache.
As a pool owner, I can confirm they are a headache...Not worth the hassle.
by pindevil
Sun Feb 12, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Verizon wireless unlimited data plan
Replies: 16
Views: 3974

Re: Verizon wireless unlimited data plan

https://www.youtube.com/watch?v=YacWu0b ... e=youtu.be

Here are the details.

It's about time. I guess they were shamed into offering the new unlimited after the hilarious super bowl commercial from tmobile, too funny!
by pindevil
Thu Feb 02, 2017 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Can We Afford A $550k House - Your Opinion?
Replies: 29
Views: 7304

Re: Can We Afford A $550k House - Your Opinion?

Extra 4k/yr and other increased expenses that's a nice little family vacation. Ask your kids if they would rather have a nice little vacation each year or a bigger house
by pindevil
Thu Jan 26, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 10969

Re: 75 gallon hot water heaters

I assume you are concerned with electric? I had the same issue back in 2015. The laws changed that year raising the bar for efficiency. All of the major manufacturers at that time didn't have water heaters larger than 50gal that met the new standards. When I researched back in 2015 the only options ...
by pindevil
Thu Dec 22, 2016 5:39 am
Forum: Personal Consumer Issues
Topic: Sling TV
Replies: 28
Views: 4004

Re: Sling TV

We pay $118/mo for internet, tv, and phone.

$80 for 100mbps internet
$35 for directv now (100 channels)
$3 for telephone with ooma
by pindevil
Sun Dec 11, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: Maybe I don't know how to rent a car?
Replies: 17
Views: 2642

Re: Maybe I don't know how to rent a car?

It's kinda fun to see what you wind up with. My favorite was when I had a reservation for a midsize sedan and they gave me a Ford Transit :shock: (Yes the delivery van). Plenty of head room in those things!
by pindevil
Sun Dec 04, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 15742

Re: Amazon Prime Getting Stingy?

I'd say we are heavy users of prime (5-10 orders per week). We've had only two real issues this past year and both occasions the item was sold by a third party. If given the choice, always select sold by Amazon and fulfilled by Amazon.

We love prime!
by pindevil
Wed Nov 02, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: More Honda Accord airbag trouble
Replies: 8
Views: 2049

Re: More Honda Accord airbag trouble

My Honda pilot was part of the original air bag recall. I believe the recall addressed the shrapnel only not the airbag going off unexpectedly.

I brought my Honda pilot in for service on Monday this week and they performed additional work on the airbags. They said there is another recall.
by pindevil
Mon Oct 31, 2016 5:40 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax?
Replies: 26
Views: 5690

Re: Nanny Tax?

I went to an accountant to help me get things started. It seems overwhelming at first but once I saw what the accountant was doing it was really easy to do myself.

I also found this useful,
https://www.irs.gov/publications/p926/ar02.html
by pindevil
Sat Sep 24, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: When (or whether) to have a second child
Replies: 37
Views: 5748

Re: When (or whether) to have a second child

There are plenty of things that are more important than finances. Family happens to one of those things. If you both want another kid then go for it!
by pindevil
Tue Sep 06, 2016 10:32 am
Forum: Personal Investments
Topic: payoff my mortgage ?
Replies: 18
Views: 2557

Re: payoff my mortgage ?

To those who suggest paying off the mortgage, when looking at loan amortization wouldn't the last ~three years be mostly principal? If I were the OP I would look at the amortization and see exactly how much interest is left on the loan to make a decision.
by pindevil
Wed Jun 22, 2016 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 9562

Re: Should I express my inheritence thoughts to my father?

I often encourage my frugal father to spend and enjoy the money he earned over a lifetime. If all goes well there won't be anything quibble over when he's gone.
by pindevil
Wed Jun 01, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 18710

Re: Cutting cable cord...

If you have T-Mobile you get slingtv for $14/mo and MLB atbat premium for free! I use both through my Amazon firetv. Lots of good content on sling and you can watch virtually any baseball game with the MLB atbat premium.
by pindevil
Sat May 28, 2016 12:53 am
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 10950

Re: Do I want a house with a pool?

Kids definitely enjoy the pool. We use ours several times a week in the summer. Maintenance is not difficult to do yourself especially if you have a salt system. The cleaning is very monotonous...Leaves blow in the pool and I dig them out. A week later the wind has blown more crap in and I dig it ou...
by pindevil
Sun Nov 01, 2015 1:46 am
Forum: Personal Consumer Issues
Topic: Home warranties - worth it?
Replies: 14
Views: 2185

Re: Home warranties - worth it?

Every home warranty company will also charge a service fee whenever they dispatch someone to fix your problem. Expect to pay ~$65 per trade per service request. For example, a/c and garage door would be $130 in service fees. Soon that $500 warranty is really 600, 700, 800 dollars... After paying $50...
by pindevil
Fri Jun 12, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Shoe Recommendations for a one year old
Replies: 10
Views: 1115

Re: Shoe Recommendations for a one year old

We always bought stride rite. A little pricey but good shoes.

http://www.striderite.com
by pindevil
Wed Jun 10, 2015 10:35 am
Forum: Personal Investments
Topic: For those of you with pensions...
Replies: 26
Views: 6410

Re: For those of you with pensions...

I have a pension from my previous gov't employment. From my experience it was hard to max out the deferred comp with the small salary I was getting. My take home paycheck was only a few hundred dollars after maxing out deffered comp. There was really nothing left over to contribute to roth. If you a...
by pindevil
Mon Jun 01, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 15784

Re: Which grocery stores do you shop at and why?

Fry's grocery store for my family. One simple reason, free child care for an hour and thirty minutes while you shop.
by pindevil
Sat Feb 14, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: How do you rent new release movies?
Replies: 20
Views: 2374

Re: How do you rent new release movies?

Stream it on Xbox video or rent it from an honest to God local movie rental store. Usually though, we wait long after they are "new releases" because we have a huge list of movies that we want to watch and haven't even gotten to yet. That is actually why we still go to the local DVD rental store. T...
by pindevil
Sun Jun 01, 2014 12:13 am
Forum: Personal Consumer Issues
Topic: Laptop (Win7 Pro) Remote Lock & Wipe
Replies: 15
Views: 2157

Re: Laptop (Win7 Pro) Remote Lock & Wipe

We use this for a few hundred laptops at work. Pricing is not bad.

http://lojack.absolute.com/en

We've only had to use it once to recover a stolen laptop. Worked as advertised.
by pindevil
Mon Apr 14, 2014 2:14 pm
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 30716

Re: New homeowner: lawn care advice

I maintained my yard for 8yrs on my own. For the last 4 years I hired a landscaper. Best investment ever. Now I have more time for family :happy
by pindevil
Tue Apr 08, 2014 1:40 pm
Forum: Personal Investments
Topic: Newbie - Need help with my first taxable account
Replies: 8
Views: 1133

Re: Newbie - Need help with my first taxable account

The taxable account can lose money too. If you had 100K taxable account that was 60K stocks, you could lose 30K if stocks crash. It's not an all or nothing deal. You can do a little of both so you can't be 100% wrong either way. What about investing 2.8K/month in the taxable account and paying $100...
by pindevil
Mon Apr 07, 2014 6:51 pm
Forum: Personal Investments
Topic: Newbie - Need help with my first taxable account
Replies: 8
Views: 1133

Re: Newbie - Need help with my first taxable account

Thank you for all the replies. Just a little more info. I am 33 now and my mortgage rate is 3.5% for 30 years. I understand I could put extra money toward the mortgage each month. However, I feel more comfortable having the money accessible. I also feel I would miss out on potential gains if the mon...
by pindevil
Thu Apr 03, 2014 11:44 am
Forum: Personal Investments
Topic: Newbie - Need help with my first taxable account
Replies: 8
Views: 1133

Newbie - Need help with my first taxable account

I am getting ready to start my first taxable account (All available tax advantaged retirement accounts are fully funded). For now this account has one purpose and I plan to use the money in the account to pay off my mortgage. I want to pay off the mortgage just for piece of mind, there's no other lo...