Search found 253 matches

by Liberty1100
Fri Jan 12, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 13019

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Reading all of these stories about credit cards getting hacked makes me appreciate that I don't use debit cards. Imagine all of those phony purchases tying up your money for days until it gets resolved. How annoying that would be. Getting hacked 4 times in such a short amount of time is against the ...
by Liberty1100
Thu Jan 11, 2018 1:58 pm
Forum: Personal Investments
Topic: Pay off 6.5% Student Loan or Invest
Replies: 22
Views: 2156

Re: Pay off %6.5 Student Loan or Invest

Make sure you realize what you are giving up when you refinance. You may give up the option to claim a hardship deferment if you loose your job, for example.
by Liberty1100
Thu Jan 11, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 4792

Re: Best Sources to Buy Prescriptions Out of Pocket

If you already have AAA, check out their prescription discount card. I believe it is free as part of the membership. (side note: they have discount for turbotax too)
by Liberty1100
Wed Jan 10, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Cars in college
Replies: 34
Views: 2235

Re: Cars in college

If living on campus, I wouldn't give them a car for their first two years. College is a pressure-cooker for bad decisions and there's super easy access to drugs and alcohol. For at least the first two years, everyone is trying to "be cool" and you don't really get to know your friends. Kee...
by Liberty1100
Wed Jan 10, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Help gmail security question
Replies: 28
Views: 2304

Re: Help gmail security question

Here's a way to delete large groups of emails from Gmail: http://www.expertreviews.co.uk/software ... -smart-way

I would try to google the number. You may find who it goes to.
by Liberty1100
Wed Jan 10, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 8891

Re: Lowball offer on a home

I would give that "low ball" offer that would cover 90% of the work that is to be done. If they ignore the offer (they get offended), then move on or offer a little bit more. If they realize that the house is way overpriced, they might counter and start splitting the difference. In most pl...
by Liberty1100
Mon Jan 08, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs. Federal Student Loans?
Replies: 8
Views: 632

Re: Private vs. Federal Student Loans?

I have been doing the same thing. I found that I got better rates going with federal loans. I believe you cannot get subsidized graduate student loans, but most places do not require payments until 6 months after graduation (interest still accumulates during that time).
by Liberty1100
Tue Dec 19, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Is it worth investing with 15% LTCG tax rate!?
Replies: 25
Views: 3275

Re: Is it worth investing with 15% LTCG tax rate!?

Let us run through the calculations. 8% over 10 years gets you $2.16 for every $1 invested. 1.08^10 You would need to pay taxes on your $1.16 gain. You would have to pay $.17 in taxes at the end of 10 years for every dollar invested. ((1.08^10)-1)*.15 So you would end up with $1.98 at the end of 10...
by Liberty1100
Sun Dec 17, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 10331

Re: New job offer - background check

I would extend the start date and therefore leaving date. Nothing is happening in the next three weeks with the short weeks because of christmas and New Years. I would be surprised if they could get all for the HR, IT, and hiring manager things laid out for your next job in two short weeks.
by Liberty1100
Fri Dec 15, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 2269

Re: Need to find a Used/Refurbished Macbook Air

I would buy the macbook air from apple.com. *Also note that there is ZERO need to buy a printer for college. Now days, every college has printers by the study rooms, libraries, and dorms, and some even include the printing as part of the tuition (print 800 pages per semester, B&W). Do not waste ...
by Liberty1100
Tue Dec 12, 2017 10:28 am
Forum: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 31388

Re: What to do after losing $117k in stock market?

I would follow the white coat investor's advice in investing priorities: https://www.whitecoatinvestor.com/student-loans-vs-investing/ 1) Pay off high interest debt. Any credit cards or consumer debt at 8% or higher should be paid off ASAP. Honestly you should have never accumulated this. Live like ...
by Liberty1100
Tue Dec 12, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 10145

Re: Snow Tires? Worth it?

To add to the pack, I think you should get snow tires as well. I have Bridgestone Blizzaks as well. Buy them with rims (I have the standard black steel looking ones) and internal pressure sensors if you car has that ability (most newer cars do). I bought mine at tirerack.com but costco/BJs could do ...
by Liberty1100
Sun Dec 10, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 115
Views: 13638

Re: likely date for a bitcoin crash: does this make sense to you?

There's really nothing in common with them besides a "bubble bursting". They seem to be arbitrary dates to me. The bitcoin bubble, if there is one, cannot be inferred from these dates, as there really isn't anything comparable between them. Bitcoin is a much more a global phenomenon than a...
by Liberty1100
Thu Dec 07, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 2329

Re: SSN on job applications

I agree. It is a sketchy practice. I hate it when they also ask for references on the initial application.
by Liberty1100
Wed Dec 06, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Least/Most Reliable Carmakers Today
Replies: 31
Views: 2647

Re: Least/Most Reliable Carmakers Today

I trust Consumer Reports WAY before that site that you mentioned:

https://www.consumerreports.org/car-rel ... -stack-up/
by Liberty1100
Mon Dec 04, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Hard time deciding how much to spend on rent
Replies: 24
Views: 2080

Re: Hard time deciding how much to spend on rent

17% is definitely doable. It looks like others did some nice analysis of how much per mile/per hour you are saving. I recommend spending a little bit more for a 1-bed though. I don't know your plans are, but inviting people over to your studio isn't as nice as a 1-bed. You can shut the door and hide...
by Liberty1100
Mon Dec 04, 2017 1:41 pm
Forum: Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 53
Views: 9332

Re: should I use vanguard's 2 step verification sign in

I like having the 2-factor on as many accounts as possible. I get the texts right to my Apple Watch, so it is super easy and quick to type in.

However, I find it annoying to have to do that for Mint and Personal Capital to update my account balances.
by Liberty1100
Thu Nov 30, 2017 10:26 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 43605

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

As soon as you can explain what Bitcoin is so that anyone can understand it. Bitcoin is a digital and global money system (currency). It allows people to send or receive money across the internet, even to someone they don't know or don't trust. Money can be exchanged without being linked to a real ...
by Liberty1100
Wed Nov 29, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 43605

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

All of this talk made me too anxious. After being interested since 2013 and fully understanding how Bitcoin works and all of the possible downsides, I have set aside a few dollars to "join the ride." I have put in $120 and will only invest that much. I leveraged this bet across the three c...
by Liberty1100
Wed Nov 22, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 6585

Re: Car shopping tomorrow

I would pay up to get the "sensing" features. All of those additional features make it safer for you to drive and may prevent multiple accidents. It's worth the money vs the pain, inconvenience, and the hassle of getting into one single accident. A guy I know told me that you need to think...
by Liberty1100
Wed Nov 22, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 3834

Re: where should I put my direct deposit?

can you explain this further? How do you split your direct deposit? What did you have to do to accomplish this? Also you said you set up automated transfer- how does teh software make this determination- what parameters? What do you do to set up the autmated transfer? I talked to my HR department. ...
by Liberty1100
Wed Nov 22, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 77
Views: 7884

Re: Best Basic DESKTOP?

Since you like the Mac operating system, I would suggest getting a Mac Mini . It is a tiny form factor with plenty of punch. It would replace whatever Dell you currently have well. You can continue to use your current monitor, USB keyboard, and mouse. You do not need to get wireless ones, unless you...
by Liberty1100
Tue Nov 21, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 3834

Re: where should I put my direct deposit?

I have my paycheck deposit into two separate checking accounts (after 401k, of course!). Checking Account A: This account is at my local CU/Bank where I "write" my checks and pay my monthly bills. Checking Account B: This account is an online bank that has much better interest rates (Their...
by Liberty1100
Tue Nov 21, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Temperature setting for radiant floor heat
Replies: 13
Views: 7076

Re: Temperature setting for radiant floor heat

Also have installed 3" kraft faced insulation in each joist bay. Should probably consider a more effective method of blocking heat from leaking into cellar. Am thinking of adding a 1" foil face rigid insulation board in each joist bay. Are there any better alternatives? Adding insulation ...
by Liberty1100
Mon Nov 20, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: DELETE
Replies: 10
Views: 991

Re: Another "To Rent or Sell" Question

Do you have any ambition to be a landlord? On top of the great down to earth analysis Meg77 mentioned, I would also possibly add in a property management company if you are moving far away. Do you have enough cash for your emergency fund?
by Liberty1100
Wed Nov 15, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 825

Re: Operating agreement template?

I suggest start with a template you find online and discuss with your other partner. Once you agree, bring the marked up copy and ask a lawyer to review and make sure everything is covered. I don't think you should pay a lawyer until you have some basic discussions, especially if that partner is you...
by Liberty1100
Tue Nov 14, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 7707

Re: Keurig died...what now?

If I were you, I would stick with Keurig for the simple reason that k-cups can be found everywhere. You can get them at Dunkin, Starbucks, Bed Bath & Beyond (use a coupon!), Costco, Target, Walmart, and just about every chain grocery store. Maybe I am just fixated on K-cups, but I don't see any...
by Liberty1100
Tue Nov 14, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 7707

Re: Keurig died...what now?

I have a Keurig too and my favorite appliance, with an Instant Pot as a close second. If I were you, I would stick with Keurig for the simple reason that k-cups can be found everywhere. You can get them at Dunkin, Starbucks, Bed Bath & Beyond (use a coupon!), Costco, Target, Walmart, and just ab...
by Liberty1100
Fri Nov 03, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 3083

Re: GPS watch

Apple Watch does everything the OP is looking for. I have a series 2 watch and it's GPS works well for tracking runs, etc. Series 3 has cellular so could make and receive phone calls without carrying a phone. I second this. With an Apple Watch series 2 or above, you can also connect bluetooth headp...
by Liberty1100
Thu Nov 02, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Job search techniques and etiquette
Replies: 5
Views: 765

Re: Job search techniques and etiquette

I would spend time on recruiters and networking. I have spent too much time filling out those online forms for too many companies that all I get in return is an automated message about "If I am a match, I will be contacted. Otherwise, good luck". It is definitely frustrating for someone lo...
by Liberty1100
Fri Oct 20, 2017 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 6789

Re: Best way to make some dollars on a 10 day vacation?

I would look to Upwork or similar site. At Upwork.com, you can register as a freelancer and complete projects for money. I have found that is the best use of my "free" time. There are usually projects around MATLAB, thermal modeling, and even engineering design available.
by Liberty1100
Wed Oct 11, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 6686

Re: Wifi Thermostat

I have had a Nest 1.0 and an EcoBee3. Both are similarly simple to install, but the EcoBee is a far better unit. Nest phone support used to be horrific...perhaps it is better now. EcoBee was helpful. Ecobee3 released a year ago and Nest 1.0 released 5 years before that. I don't think you can compar...
by Liberty1100
Tue Oct 10, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 6686

Re: Wifi Thermostat

I am a big fan of Nest Thermostats . I have installed two for my family with ease. Their wiring diagram and mounting hub is "stupidly" simple. They provide you with wire labels and simple setup instructions. I want to say I did it from their online instructions where I the instructions wer...
by Liberty1100
Thu Oct 05, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 6066

Re: How do you value your time?

Well, now that you are married, you have to factor in the value of both of you, by the way. Just last night I had a similar issue come up. The restaurant next door had a special of $4 for a normal $8 item. When I ran by on my run after work, I noticed the ridiculously long line packed. I realized th...
by Liberty1100
Fri Sep 15, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 3048

Re: Audio books

I still suggest Audible . When you have their 1 book/month plan, you are also provided significant discounts of other books and credits. Say you have gone through a shorter book before the next credit, another credit or a particular book can be purchased. Another bonus is, if you don't like the book...
by Liberty1100
Tue Aug 15, 2017 12:16 pm
Forum: Personal Investments
Topic: please help...am I overextended - first home
Replies: 78
Views: 9677

Re: please help...am I overextended - first home

Do you have a car payment?

A lot of people assume there is when they consider how much a house payment should be. If you have no car, then this house payment may be more acceptable.
by Liberty1100
Wed Aug 02, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Startup vs big company (financial equity at stake)
Replies: 62
Views: 5468

Re: Startup vs big company (financial equity at stake)

I think this forum has a conservative trend, so keep that in mind as you get responses.

Maybe push back your boss and negotiate 2 years instead of 4.
by Liberty1100
Fri Jul 28, 2017 5:38 am
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 37
Views: 4327

Re: Need advice - Job

Don't ask for a match, just ask for a raise and not mention your job offer. Usually when management hears you have been looking and then asked to match your pay, you will be the next to go. Management may see it as a sign of your lack of loyalty. If they ever need to cut someone, you will be the eas...
by Liberty1100
Tue Jul 18, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 19215

Re: Books not to read.

Rich dad poor dad I disagree on this one. Some things I took away from this book is to live below your means, always be selling/improving yourself, and invest (the book pushes real estate, but it can clearly be drawn to investing. Those seem like pretty major things for investors. I think his "...
by Liberty1100
Mon Jul 17, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: How Much Would You Spend on a Blender?
Replies: 47
Views: 5972

Re: How Much Would You Spend on a Blender?

As an apartment warming gift, my girlfriend's mother bought us a Ninja Blender. I have used it on occasion to blend ice and mix to make great frozen adult drinks and it works very well and quick. She tends to use it more often to make smoothies in the morning and the occasion baking/cooking recipe t...
by Liberty1100
Thu Jul 13, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Security Alarm Pre-Wire in New Construction
Replies: 25
Views: 6441

Re: Security Alarm Pre-Wire in New Construction

How close are you to your neighbors? Alarm systems can be very loud. If they are blaring in the middle of the night two things will happen: 1) The thief will run away fast, and 2) your neighbors will wake up and call the cops after a couple minutes especially if something looks suspicious. For conve...
by Liberty1100
Mon Jun 26, 2017 12:54 pm
Forum: Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 6932

Re: Looking into selling a structured settlement and need some advice

Take a look at the tax implications. These payments will forever (until taxes change) be tax free from state, federal and income taxes (from what I just googled, check a CPA on that). I would take that to the bank and don't sell. If you did sell and that $1million because invested, all of those earn...
by Liberty1100
Mon Jun 26, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 39
Views: 6182

Re: Won an ATV in a raffle...now what?

I would take a look at the contest/raffle rules. You may be lucky and be able to claim the cash value of the ATV instead of the ATV.
by Liberty1100
Fri Jun 23, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 3088

Re: American Airlines double charged me!

Watty wrote:Dispute the second charge with the credit card company.
Usually, the credit card will credit back the money almost immediately as they discuss and follow up on the charge with AA.
by Liberty1100
Fri Jun 23, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Got rear-ended: any reason not to go through my ins?
Replies: 30
Views: 5067

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

Looks like the general consensus is that there is not a penalty to go through your insurance when you are not at fault. Also, this: Be sure to look into a diminished value claim as well. You should look into this as well. It is money you are owed for lowering your car's value even after it is repair...
by Liberty1100
Sun Jun 18, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 55
Views: 8168

Re: Mouse In Apartment

Congrats and hope they don't come back! Also, isn't it nice to speak up and get things taken care of. I think a lot of people feel uneasy talking to their landlords about problems and issues. I'm definitely in the same boat, but after a win like what you just had, I'm one more likely to hit my boili...
by Liberty1100
Fri Jun 09, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: New Construction Buying Advice
Replies: 24
Views: 3791

Re: New Construction Buying Advice

There's a new trend in the building/remodeling world called "aging in place." It's all about living in your own home for as long as possible by making it more friendly for an aging person. Adding slightly wider hallways so that a person with a walker or wheelchair can get through, making a...
by Liberty1100
Sun Jun 04, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Beginner needs help choosing which compact camera to buy!
Replies: 16
Views: 1668

Re: Beginner needs help choosing which compact camera to buy!

We own 3 nice digital cameras but have found that for shooting kids we pretty much only use the iPhones anymore. The camera in your pocket is the one you will use and iPhones have gotten pretty good. If you are not a serious photographer then there are two reasons to get a nicer camera in my mind: ...
by Liberty1100
Wed May 31, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Academic Question on a real world situation
Replies: 34
Views: 4075

Re: Academic Question on a real world situation

livesoft wrote:4% of 750K is 3.3% of $1,000,000, so you would be using the 3.33% rule instead of the 4% rule.
With that being said, by lowering the 4% to a lower percent, say 3.3%, you are being even more conservative than the 4% rule.
by Liberty1100
Mon May 08, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 3324

Re: Fitbit Blaze vs Apple Watch

I have had an Apple Watch Series 2 for about a month now. I like it. I am able to go on runs without my phone and still be able to keep track of my course and have it sync up nicely. I am able to get notifications privately through the vibration. When using Apple Maps to navigate to and from work (m...