Search found 2589 matches

by JupiterJones
Tue Jan 31, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 6083

Re: France or Switzerland

davidsorensen32 wrote:Update: France wins hands down. We're booking our flights to CDG. God bless you all. Thanks everyone.
Glad to hear it! You're going to have a great time. Bon voyage! :beer
by JupiterJones
Tue Jan 31, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Recent divorce, would like help looking at my financial/tax picture
Replies: 16
Views: 2480

Re: Recent divorce, would like help looking at my financial/tax picture

Note: My parents have offered to lend me $10,000 to pay some of this off, interest free and to repay them back when I feel like it. I always avoid borrowing money from my parents because it comes with too many strings attached. Very wise. I wouldn't take the loan either. At your income and with the...
by JupiterJones
Tue Jan 31, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 4176

Re: Are you changing your AA based on current events?

Based on current events, I'm moving most of my investments into poster board and magic marker stocks.

Nah, not really. I'm staying the course as always. :sharebeer
by JupiterJones
Fri Jan 27, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs Invest
Replies: 14
Views: 1797

Re: Student Loan vs Invest

What is your currently monthly payment? Around $400 or so? Are you okay with being on the hook for that payment every month for the next 17 years?

I wouldn't. Personally, that payment would drive me batty.

YMMV.
by JupiterJones
Fri Jan 27, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 4278

Re: Humble brag finally got admiral shares in taxable account

Luckily this is a place you can feel free to brag away about that sort of thing. Congrats!

:sharebeer
by JupiterJones
Tue Jan 24, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Possbile career moves without college degree
Replies: 39
Views: 4003

Re: Possbile career moves without college degree

I'd imagine that the best career move for him would be the "job" of being a part-time community college or trade school student. But if that's out of the question, how about driving a truck? I understand that long-haul truckers are always in demand and can make some decent bucks. Set some aside to b...
by JupiterJones
Mon Jan 23, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Student Loan
Replies: 14
Views: 1712

Re: Advice on Student Loan

thx but wouldn't it be better off to put the money in the market and earn 8-10% compounding annually vs paying it off today? I don't plan to touch it for 20 years and am pretty disciplined about it. Not IMHO, because: A) Maybe the market won't return 8-10% annually. Even with a 20-year time horizon...
by JupiterJones
Mon Jan 23, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Should we pay off our student loan?
Replies: 44
Views: 4272

Re: Should we pay off our student loan?

Toss it on the student loan.
by JupiterJones
Thu Jan 19, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 2058

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

I've suggested I show her how to use the right side mirror, I believe she only uses the left one and tries to gauge the edge of the driveway from it. Oof! That is a tight fit. But even more support for the "she should just start backing the car in" argument. If she's primarily concerned with what's...
by JupiterJones
Thu Jan 19, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Recommendations for radio stations
Replies: 16
Views: 2020

Re: Recommendations for radio stations

I'll second TuneIn Radio. Oodles of channels. Totally free.

I use it to listen to some of the radio stations I listened to in the rental car when on vacations in Europe. It's a great way to have an "audio vacation" (and improve your foreign language comprehension).
by JupiterJones
Thu Jan 19, 2017 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paying back college loan debt
Replies: 15
Views: 1452

Re: Paying back college loan debt

You really think so? I definitely agree on the importance of maxing out your Roth IRA early, but I feel like prioritizing debt would be a better move here. The thinking is that the valuable "tax advantaged space" that an IRA gives you is a "use it or loose it" opportunity. You can't skip an IRA thi...
by JupiterJones
Wed Jan 18, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Reflectors to reflect only tail lights (or battery LED motion strip)
Replies: 26
Views: 2058

Re: Reflectors to reflect only tail lights (or battery LED motion strip)

Some other options, just for the heck of it: You could get someone to put in a short "rumble strip" in your driveway, or build out the brick patio another six inches or so... anything to give a tactile warning that you're getting too close. Put a plastic rain barrel there, since you already have a d...
by JupiterJones
Wed Jan 18, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 6083

Re: France or Switzerland

toto238 wrote: I'm not sure what the best thing is about Switzerland, but their flag is a big plus.
I see what you did there... :sharebeer
by JupiterJones
Tue Jan 17, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 6083

Re: France or Switzerland

If your wife is afraid, then you shouldn't go. It doesn't really matter if her fear is rational or not; if she feels it, she feels it. If she feels it, it's a current fear, from where she sits now. It's easy to slip into the trap of fear when it comes to things that are unknown. You only have your ...
by JupiterJones
Wed Jan 11, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 6083

Re: Austria

OP: If between France and Switzerland, Switzerland wins for incredible beauty. A close second has not been mentioned: Western Austria. Like Switzerland, but much less expensive. Or, as long as we're tossing off less-expensive alternatives, there's Western Slovenia. It's no Switzerland, but still......
by JupiterJones
Wed Jan 11, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 9615

Re: Where do you keep your emergency fund?

IMHO, it's perfectly okay if your EF "languishes". Sure, there are some better-paying savings accounts with the online banks that might merit a look. And/or you could do some fiddling with CDs for some of it, etc. Nothing wrong with that. (We use an online account for the bulk of our EF that earns s...
by JupiterJones
Mon Jan 09, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with Ratios and Index Funds
Replies: 8
Views: 655

Re: Help with Ratios and Index Funds

Thanks so much for this feedback! Could anyone suggest another targeted fund besides Vanguard so that I don't put all my eggs in one basket? But they wouldn't be all in one basket. The money in those funds is spread out among an extremely wide array of baskets. True, the baskets are all looked afte...
by JupiterJones
Mon Jan 09, 2017 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Help with paying off debt
Replies: 52
Views: 5022

Re: Help with paying off debt

I'd go with the simple Dave Ramsey Baby Step's snowball method. Seconded. At least as far as Step 2 is concerned. There are many points on which Mr. Ramsey and I disagree, but the "snowball" approach* is what I would do if I were the OP. * List all non-mortgage debts in order, smallest-to-largest b...
by JupiterJones
Mon Jan 09, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: I want to go to Alaska this summer - tell me what, why and when!
Replies: 18
Views: 2170

Re: I want to go to Alaska this summer - tell me what, why and when!

Note that going in the off seasons has the bonus of giving you a better chance of seeing the Northern Lights.
by JupiterJones
Fri Jan 06, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1377

Re: Rookie wanting to learn...everything about investing

I just figured if all of it goes towards student loans then there is nothing left to invest. But I do see your perspective in doing so. 6.8% return sounds good although I do not look at it as such. (I just need to change the way I think) Right. As you've figured out by now, investing a dollar somew...
by JupiterJones
Fri Jan 06, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 8398

Re: 500K milestone celebration

grap0013 wrote:What if the OP makes 450K per year?
Then they're killin' it career-wise. Congrats in order either way! :sharebeer
by JupiterJones
Fri Jan 06, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 4646

Re: Is a prenup always necessary when remarrying?

Prenups (whether remarrying or marrying for the first time) are only necessary if either of the two of you would prefer different "rules" governing your potential divorce that the default set of rules that already exists. Of course, that requires learning all you can about the law in your state, and...
by JupiterJones
Fri Jan 06, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on a Bogle quote
Replies: 29
Views: 3097

Re: Thoughts on a Bogle quote

"Diversify" is also a Boglehead truism. Personally, I think having all of your money invested in your home country is dangerously lacking in diversification (just ask a Japanese investor who remembers the '90s and '00s) The rule-of-thumb I go by is putting 1/3 of my total equities in international. ...
by JupiterJones
Fri Jan 06, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need life insurance?
Replies: 18
Views: 1506

Re: Do we need life insurance?

Sounds to me like a textbook case of not needing life insurance: No burdensome financial impact from either or both of you dying.
by JupiterJones
Wed Jan 04, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rookie wanting to learn...everything about investing
Replies: 18
Views: 1377

Re: Rookie wanting to learn...everything about investing

ADMT_x wrote: Debt: 55k student loan debt with interest rate of 6.8%

...

I have 10k in savings that I would like to invest because it is literally not growing.
How about just throwing it at your student loan where it will "earn" you a guaranteed, risk-free 6.8% return?
by JupiterJones
Wed Jan 04, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Book recommendation for teen
Replies: 15
Views: 1062

Re: Book recommendation for teen

One of my earliest books and still a favorite is one of Eric Tysons "Dummies" series such as Personal Finance for Dummies. https://www.amazon.com/s/ref=nb_sb_ss_c_2_10?url=search-alias%3Dstripbooks&field-keywords=eric+tyson&sprefix=eric+tyson%2Caps%2C219&crid=14XCEE2YDBUK0 Seconded. Tyson is great....
by JupiterJones
Wed Jan 04, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash gifts?
Replies: 8
Views: 1155

Re: What to do with cash gifts?

Yes to maximizing tax-advantaged investing as much as you can. I would then use any "leftovers" to pay extra on the mortgage, especially if you're paying PMI.

Yes, this makes the money non-liquid. And yes, your mortgage rate is super-duper low. Still, that's what I'd do if it were me. YMMV.
by JupiterJones
Tue Jan 03, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23167

Re: Learning an instrument as an adult?

Adding to that, a "baritone ukulele" is tuned to the top 4 strings of a guitar so fretting chords and notes is the same, while a "concert" ukulele is tuned differently so chord shapes are different. Both fun. Interestingly, the shapes for a specific chord are different, but the shapes themselves ar...
by JupiterJones
Tue Jan 03, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Is my package stuck in German customs? Now what?
Replies: 31
Views: 16457

Re: Is my package stuck in German customs? Now what?

Nope, never got it. They were concert tickets. Luckily, the folks at SAP Arena in Mannheim were sehr freundlich und hilfreich . I showed printouts of my email receipts at the Will Call window, and they had a security guy personally escort us past the ticket takers and right to our seats! Really outs...
by JupiterJones
Thu Dec 29, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 6083

Re: France or Switzerland

The worst choice of all: staying home out of fear. This ^ If I, personally, were to choose between France and Switzerland, I'd go with Switzerland. But that doesn't have anything to do with safety... it's because I've been to both and would simply rather return to Switzerland out of the two. It's a...
by JupiterJones
Thu Dec 29, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: When is it "OK" to get a car loan?
Replies: 42
Views: 4250

Re: When is it "OK" to get a car loan?

1. Buy the Porsche in cash right now ($50K). Lower the Viper to "bottom dollar" to sell quickly ($35K) 2. Wait until the Viper sells then hope that Porsche is still available. This will likely drive me down to my "bottom dollar" price quicker ($35) rather than keeping it listed at a "hopeful" price...
by JupiterJones
Thu Dec 29, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2743

Re: Best shows to see while in Vegas

bcjb wrote:Jersey Boys
That's the second recommendation for Jersey Boys. Three if you count me agreeing with them. It's a great show.

However it closed in September. :(
by JupiterJones
Thu Dec 29, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2743

Re: Best shows to see while in Vegas

smartinwate wrote:One caveat: try not to get front row tickets to MtM.
Same could be said for Blue Man Group. They call them the "poncho seats". 'nuff said... :D
by JupiterJones
Wed Dec 28, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2743

Re: Best shows to see while in Vegas

Love, Mystere, or O for a Cirque show Blue Man Group Mac King is an afternoon show that I highly recommend. "The Rat Pack is Back" is fun if you're fan of that sort of music (I am) If all else fails, "V - The Ultimate Variety Show" is worth a shot. It's a revolving roster of acts, but it can be a go...
by JupiterJones
Wed Dec 28, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Strategy
Replies: 9
Views: 1367

Re: Debt Payoff Strategy

Yeah, I like the Ramsey-style method too: Attack all non-mortgage debts in order of balance , smallest-to-largest. In your case, going with "Ramsey order" will cost you a bit more in time and money (compared to going with highest-to-lowest interest rate order). But it more quickly will "free up" tha...
by JupiterJones
Wed Dec 21, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Event Fee at Restaurants?
Replies: 22
Views: 2804

Re: Event Fee at Restaurants?

According to a similar thread over at The Knot : I did not tip. They actually said in one of their forms I recevied eventually that they pay their servers well and tipping is not necessary (in other words). and... I was assured that they get higher wages and tips are not expected, but I tipped a lit...
by JupiterJones
Mon Dec 19, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23167

Re: Learning an instrument as an adult?

The problem is I live in a small condo unit, so taking up the piano probably is not an option. Also given the proximity of my neighbors, taking up the drums probably isn't an option either. You can buy a very good digital piano for $500 or so these days. Set the volume as loud or as quiet as you'd ...
by JupiterJones
Mon Dec 19, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 4458

Re: Netflix Question

Think you need to buy a digital antenna to access basic channels without buying a cable package, no? Depends. I can get broadcast channels just fine using a cheap set of rabbit ears (basically two passive pieces of metal). Even though we currently pay for cable, I keep an antenna around for when th...
by JupiterJones
Mon Dec 19, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Book Suggestions for Son
Replies: 8
Views: 793

Re: Book Suggestions for Son

"Investing Made Simple" by fellow Boglehead Mike Piper (who also runs the "Oblivious Investor" blog).

It's engagingly-written, covers all the basics, and clocks in at only 100 pages. Highly recommended!
by JupiterJones
Fri Dec 16, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23167

Re: Learning an instrument as an adult?

Intentional and serious practice yields results. Amen. In my younger days as a musician, I mostly worried about getting better at playing my instrument. Over recent years, I've focused more on getting better at practicing my instrument. I've found that if you improve your practice skills, performan...
by JupiterJones
Fri Dec 16, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 30
Views: 4458

Re: Netflix Question

FWIW, broadcast TV is free and doesn't require a password. I watched plenty of it back when I was on a tight budget.
by JupiterJones
Fri Dec 16, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Your fava 70% dark chocolate brand?
Replies: 40
Views: 3717

Re: Your fava 70% dark chocolate brand?

lazydavid wrote:
sid hartha wrote:
Dutch wrote:Blah 70% is for wussies :D

90% is where it's at!
True dat!
Toss up between 85 and 90 for me. Tried 100% once, REALLY bad idea. Had one bite and then handed it to my wife so she could make a cake. :mrgreen:

Bah! Mere amateurs. I only eat 110%.
by JupiterJones
Tue Dec 13, 2016 11:12 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 10625

Re: Boglehead's newest millionaire

Congrats!

Looking forward to your post in a few years about being a multi-millionaire!

:beer
by JupiterJones
Fri Dec 09, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23167

Re: Learning an instrument as an adult?

As someone who teaches music lessons as a side-hustle (mostly to adults) and who is married to someone who sometimes teaches violin, here are my random musings: First of all, go for it! Second, the toughest part about picking up an instrument as an adult is that you have to be okay with being lousy ...
by JupiterJones
Thu Nov 17, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: AppleCare on MacBook Pro?
Replies: 40
Views: 4460

Re: AppleCare on MacBook Pro?

FWIW, I've owned Macs since 1994.

Never bought any sort of extended warranty on any of them.

Never regretted it.
by JupiterJones
Wed Nov 09, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Recommendations carry-on luggage with suiter
Replies: 7
Views: 1054

Re: Recommendations carry-on luggage with suiter

I usually just fold. But the trick with packing suits (or any other type of clothing, for that matter) is to try to buy "travel friendly" garments in the first place. That is, clothing that's more wrinkle and stain resistant than your typical stuff. Bonus points if it's designed to match multiple ot...
by JupiterJones
Tue Nov 08, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Recommendations carry-on luggage with suiter
Replies: 7
Views: 1054

Re: Recommendations carry-on luggage with suiter

Seconded. Just get a good carry-on (I prefer travelpacks... more room and less weight than wheeled carry-ons) and pack your suit(s) in it.
by JupiterJones
Thu Oct 13, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Life short-Buy the Boat
Replies: 17
Views: 3002

Re: Life short-Buy the Boat

How much equity do you have in the house? Couldn't you just buy the boat with the proceeds of the home sale? Or were you going to have a period of overlap between buying the boat and selling the house? Anyway, it sounds like an awesome plan. My folks have been living on a boat for ages and love it. ...
by JupiterJones
Wed Oct 12, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Super cheap mens bike (< $150)
Replies: 23
Views: 2521

Re: Super cheap mens bike (< $150)

Agree with all of the above. Bikes are like toilet paper... you'll regret going cheap. Either bump up your budget, or go used (with the bike I mean, not the toilet paper). Granted, a high-quality used bike can still be in lousy shape. You may want to factor in the price of a good tune-up at your loc...
by JupiterJones
Mon Oct 10, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 8854

Re: Best Albums of 2016

Kanye West: Life of Pablo. I understand why you hate him. But he's a genius. Is he really? I don't hate the guy, but I sure don't see him as even close to a genius either. Granted, my exposure to his stuff is mostly via television appearances (SNL, etc.) Nothing I've heard him do there has impresse...