Search found 131 matches

by Altephor
Thu Jan 21, 2016 4:49 pm
Forum: Personal Investments
Topic: Starting to panic, advice for the market downturn.
Replies: 25
Views: 3952

Re: Starting to panic, advice for the market downturn.

So you invested money you needed in 6-12 months in stocks? Obviously that's an error and it is important to learn from it. $250 is cheap tuition in the school of hard knocks. No, I invested money I would need in 5-10 years in stocks. Those plans didn't work out, and I left the money there to be use...
by Altephor
Thu Jan 21, 2016 10:55 am
Forum: Personal Investments
Topic: Starting to panic, advice for the market downturn.
Replies: 25
Views: 3952

Re: Starting to panic, advice for the market downturn.

> I already know the Boglehead philosophy is to never buy a new car. No it's not, it's been debated. Moderate to low-priced, highly reliable new cars are a good deal right now if you keep them a while. With low interest rates available this is not a bad time to buy a new car with a loan (provided y...
by Altephor
Thu Jan 21, 2016 9:51 am
Forum: Personal Investments
Topic: Starting to panic, advice for the market downturn.
Replies: 25
Views: 3952

Starting to panic, advice for the market downturn.

I know the stock market fluctuates, and I expect it to. The problem is that I was planning on withdrawing most of my taxable account (~8k) for a new car downpayment. I already know the Boglehead philosophy is to never buy a new car. Well, I want one, and am frugal in every other aspect of my life an...
by Altephor
Sun Sep 06, 2015 12:25 pm
Forum: Personal Consumer Issues
Topic: Repair it? Or get something new? [Car]
Replies: 12
Views: 1961

Re: Repair it? Or get something new? [Car]

Guess I will be fixing it while I save and make some adjustments and monitor my monthly costs before spring and buying a new WRX. The girlfriend just dumped me last month and moved out so I'm taking the time through the winter to make sure my expenses settle where I expect them too. I caught the al...
by Altephor
Sat Sep 05, 2015 6:43 pm
Forum: Personal Consumer Issues
Topic: Repair it? Or get something new? [Car]
Replies: 12
Views: 1961

Re: Repair it? Or get something new? [Car]

Guess I will be fixing it while I save and make some adjustments and monitor my monthly costs before spring and buying a new WRX. The girlfriend just dumped me last month and moved out so I'm taking the time through the winter to make sure my expenses settle where I expect them too.
by Altephor
Tue Sep 01, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: Repair it? Or get something new? [Car]
Replies: 12
Views: 1961

Re: Repair it? Or get something new?

What are the requirements the exhaust has to meet? Could it be repaired with some JB weld, hose clamps and exhaust repair couplers? ( i dont know if that is a fire hazard, haven't done the research so take that for what its worth) What do you mean the full exhaust? Up to the cylinders or from the c...
by Altephor
Tue Sep 01, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Repair it? Or get something new? [Car]
Replies: 12
Views: 1961

Repair it? Or get something new? [Car]

I have an 02 Eclipse GT at the moment. The car is in decent shape with about 130k miles. I just put a new oil pan on it for around $200. However, it is not going to pass inspection in MA due to multiple holes in the exhaust, and may also fail for a leaking front strut (not sure if this will fail it,...
by Altephor
Sat Mar 28, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 20
Views: 3563

Re: 'Work from Home' Opportunities..?

Hypersion wrote:If your gf is a good salesperson there is more money, much more money to be made elsewhere.

She actually works in a lab, this is more of a side project for her.
by Altephor
Fri Mar 27, 2015 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: 'Work from Home' Opportunities..?
Replies: 20
Views: 3563

'Work from Home' Opportunities..?

Not sure if this belongs in finance or consumer issues. My girlfriend just signed up for one of the 'Work from Home' presenter type programs (i.e. Pampered Chef, Shakeology, Avon, etc). Are these legitimate business models? She bought the starter kit for $100 (!!) and has started some online page wh...
by Altephor
Tue Mar 17, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 6309

Re: What's a good digital antenna?

Should have mentioned we live in an apartment, so any roof/attic options are out. I will look at the Mohu. Paying for Hulu is not really ideal.
by Altephor
Tue Mar 17, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 6309

What's a good digital antenna?

My girlfriend wants a TV in the bedroom. I have an unused chromecast I can put on it, but my streaming options are pretty limited. She wants it so she can watch normal network shows (Bachelor, The Voice, etc). I don't want to pay Verizon for another box. I know a digital antenna will pick up these c...
by Altephor
Thu Mar 12, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Student Loan with SoFi?
Replies: 27
Views: 12521

Re: Refinance Student Loan with SoFi?

SoFi is legit, but don't expect your rate to improve much. I applied to them twice, the first time with ~30k outstanding. Denied. The second time I was approved for a fixed rate 5 year loan (I have 5 years left of regular payments), after I had gotten my balance paid down to 17k. They offered me 5.5...
by Altephor
Thu Mar 12, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 12114

Re: Bonus received. But its not what was agreed upon. Advi

Hi all, Ive been having some troubles at work lately (which a simple search of my username can provide more info, though not relevant to this thread) Actually it's very relevant. You've already almost been let go from this job, and you want to complain that they didn't GIVE you $500? Considering yo...
by Altephor
Mon Mar 09, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Ideal next job knocked too soon
Replies: 20
Views: 2277

Re: Ideal next job knocked too soon

I would do it. See if you could negotiate your start date, and look into whether or not moving compensation is offered. The one downside to government work (I work for the state) is negotiation is usually pretty limited. But if the pay is higher (or even the same) I wouldn't worry too much about br...
by Altephor
Mon Mar 09, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Ideal next job knocked too soon
Replies: 20
Views: 2277

Re: Ideal next job knocked too soon

I would do it. See if you could negotiate your start date, and look into whether or not moving compensation is offered. The one downside to government work (I work for the state) is negotiation is usually pretty limited. But if the pay is higher (or even the same) I wouldn't worry too much about bre...
by Altephor
Sat Mar 07, 2015 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 25652

Re: How Many Credit Cards Do You Actually Use?

3.

Citi Double Cash for general purchases
Barclay Sallie Mae for gas, grocery, and Amazon.com
Amex Blue Cash Everyday for any special deals that Amex is currently offering (used to be my gas/grocery that I replaced with Sallie Mae)
by Altephor
Fri Mar 06, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

It's hard to argue that's unfair to either party in today's world. "In today's world". Yeah. It's not your father's Mad Men or Leave it to Beaver world. As a longtime reader of Bogleheads, it's very surprising to me that a very frank discussion of such a huge financial risk is still somew...
by Altephor
Fri Mar 06, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

The OP didn't come here asking "Is it OK for me to butt into my daughter's potential marriage?" or "Should I try to stir things up?". He came and asked a question "Does my daughter need a prenup?". And he got the answer he needed: No. Then continued to ask if his daugh...
by Altephor
Fri Mar 06, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

I defer to Chris Rock "Chris Rock on prenups Everybody needs a prenuptial agreement. People think you gotta be rich to get a prenup. Oh no! You got 20 million and your wife want 10, big deal! You ain’t starvin’. But if you make 30,000… and your wife want 15, you might have to kill her ." ...
by Altephor
Fri Mar 06, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

Marriage is a risk. Period. The numbers don't lie. Some marriages bring more risk to one partner and some are more balanced. He's really a wonderful guy. We would much rather have him with any financial risks involved, than a jerk with big money. But none of that means we (the parents) shouldn't lo...
by Altephor
Fri Mar 06, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

Basically that's not true. I would probably have this issue with most. I admit that I should have become more focused on this earlier. And I admit that if it appeared that she was marrying someone who stood to lose more than she, I might not be as concerned. But it's not a personal thing, just look...
by Altephor
Fri Mar 06, 2015 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

Except a prenup accomplishes none of those things. You've been told that repeatedly, but continue to ignore it. I don't know your fixation with prenups; but they are the wrong tool for the job, provided you don't want to protect assets already in your daughter's name. Future earnings and inheritanc...
by Altephor
Fri Mar 06, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 25
Views: 2627

Re: Recent College Grad Needing Advice

The only issue I have with your budget plan is the car loan. At your current income, spending $400/mo for your car seems insane to me. That's almost 1/5 of your current monthly income. It's almost the same as your rent! I should have been more clear. My auto payment is about $240 - what's listed in...
by Altephor
Fri Mar 06, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

This is good advice. I am surprised at the number of posters that seem to think that as soon as your child is 18 that all advice must stop unless specifically asked for. Is this really the relationship you have with your grown children? If so, I pity them. My child has a good head on his shoulders ...
by Altephor
Fri Mar 06, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Does My Daughter Need A Prenup?
Replies: 175
Views: 13620

Re: Does My Daughter Need A Prenup?

I find it disturbing that any parent believes they do or should have that kind of control over their adult children. You need to recognize your role in the relationship. She's 25, let her make her own decisions. You can make suggestions but I'd caution that unsolicited advice can often be received ...
by Altephor
Fri Mar 06, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Buy home in area with only good PK-8 public schools?
Replies: 44
Views: 5077

Re: Buy home in area with only good PK-8 public schools?

I would try to find an area with a good K-12. Yes, it's possible you could move before your child hits high school.. but what if you can't? Medical issues, emergencies, family issues; impossible to predict where you might be at in 10 years. I say hedge your bets now. But I am of the same mind as you...
by Altephor
Fri Mar 06, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 25
Views: 2627

Re: Recent College Grad Needing Advice

I like to have my EF at at least 5k. I feel like that is enough to cover pretty much any issue that I would have. Your mileage may vary. The only issue I have with your budget plan is the car loan. At your current income, spending $400/mo for your car seems insane to me. That's almost 1/5 of your cu...
by Altephor
Fri Mar 06, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to amend my taxes?
Replies: 12
Views: 1887

Re: Do I need to amend my taxes?

That's why I'm asking. I'm not sure if the lines I mention actually affect or change anything. I guess I'll call H&R Block and ask them.
by Altephor
Thu Mar 05, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to amend my taxes?
Replies: 12
Views: 1887

Re: Do I need to amend my taxes?

jebmke wrote:Technically, yes. Why not grab a 1040x and instructions (along with 8949 and schedule D) and do it yourself. Shouldn't take long.
Well H&R Block will do it for free, I believe. It's just the time and hassle of going there.
by Altephor
Thu Mar 05, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to amend my taxes?
Replies: 12
Views: 1887

Do I need to amend my taxes?

I've already had my taxes prepared by H&R Block, already received my state and fed returns. I was unaware I was still waiting on the 1099 for my Brokerage account (I assumed all of the tax forms would be released at the same time so was not aware it was coming). The ONLY lines that are not "...
by Altephor
Thu Feb 19, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 374
Views: 47151

Re: What video games are you currently playing?

Video games I've played in the past few months: Guildwars 2. This is a MMORG that has a bit different business model in that it has no monthly charge. I like it because there is a lot of ad-hoc group formation to achieve game goals. Civilization 5. Latest from a great classic turn based strategy ga...
by Altephor
Thu Feb 19, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Online Bill Pay question
Replies: 4
Views: 694

Online Bill Pay question

I just started a my20 checking account at Santander, which requires a direct deposit of $1500 and two bills paid with online bill pay, in order to get $20 every month. I've never used bill pay. I have always used the option to automatically pull from my checking account. I have all my bills and cred...
by Altephor
Thu Feb 12, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 4563

Re: Valentine’s day dinner I could cook?

A simple-to-make dish that DH prepared when we were dating and which astonished me was chicken cordon bleu. Take thin chicken breasts and roll them up with Swiss cheese and deli ham. Fasten closed with toothpicks. Dip in Shake 'n Bake. Bake at 375F for about 45 minutes. Throw in a couple of pierced...
by Altephor
Thu Feb 12, 2015 1:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6285
Views: 1425670

Re: What Movie Have You Recently Watched?

Just watched Birdman. Was not really into it. The plot is a bit all over the place I thought, and the ending a bit pretentious. But I do like Emma Stone, which is why I wanted to see it.
by Altephor
Thu Feb 12, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: How much is a safe car worth?
Replies: 170
Views: 15788

Re: How much is a safe car worth?

So...I've got two little ones now, and since then I've been questioning the safety of our two cars. 2005 Camry xle and another somewhat smaller hatchback. The cars are paid off (very proud of that) and we have at least another 5-8 years of life left. We like them, mostly, but I think every other da...
by Altephor
Wed Feb 11, 2015 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Can closing accounts ever improve your credit score?
Replies: 9
Views: 1569

Re: Can closing accounts ever improve your credit score?

I think that in the long run, it would be a better idea for someone who's tempted to get into credit card debt to simply not use credit, or less credit. You can swipe debit cards most places and just use a PIN. And you can't spend what you don't have. In the short run, closing cards will hurt your ...
by Altephor
Wed Feb 11, 2015 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can closing accounts ever improve your credit score?
Replies: 9
Views: 1569

Can closing accounts ever improve your credit score?

My girlfriend is (somewhat begrudgingly) working on becoming more Bogle-ish. I've really been sort of harping on her taking care of her debt. She has about 8k in credit card debt, 6k of which she has consolidated into a lower interest loan and 2k outstanding on her cards. She is (I hope) paying off ...
by Altephor
Fri Feb 06, 2015 3:48 pm
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 5830

Re: Boston Must See Sites and Bites

I would recommend Legal Seafood and, of course, a tour of Fenway Park if you are a baseball fan. Love seafood so Legal Seafood sounds like a great place for me. Not much of a baseball fan but I understand the history of Fenway so may have to do that too. Thanks for the suggestions! Disagree with Le...
by Altephor
Thu Feb 05, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: How Much & Best Way to Earn $13k Year
Replies: 30
Views: 4683

Re: How Much & Best Way to Earn $13k Year

Damn I came in here to mention the poop thing, and someone beat me to it.
by Altephor
Fri Jan 30, 2015 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Silly question.. can I write a check to myself?
Replies: 6
Views: 7840

Silly question.. can I write a check to myself?

I'm in the process of switching banks (savings to Ally, checking to Santander). Wells Fargo charges me $3.00 to do an online transfer to a non-Wells Fargo bank, which I think is absurd. Can I write a check from my Wells Fargo account to myself and deposit it into my new account? Or am I stuck paying...
by Altephor
Fri Jan 30, 2015 7:44 am
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 36286

Re: How to respond when someone asks how much money you make

From what I've heard, the new working generation shares salary info very freely. At first, I thought this would do no good for anybody. Turns out - pay secrecy - is a conspiracy backed by employers to keep salaries lower. It can also be used by employers to hide gender/ageism pay differences/increa...
by Altephor
Thu Jan 29, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bringing up 529s to the grandparents
Replies: 58
Views: 5179

Re: Bringing up 529s to the grandparents

What I would do instead, if you're worried about stepping on toes, is to take those things that they buy out of YOUR budget and put it towards a 529. For instance, my nephew was just born a few months ago, and we have been going light on toys and other things (the useless crap you spoke of), and mor...
by Altephor
Fri Jan 23, 2015 11:15 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 3831

Re: Amazon Prime Is $72 Tomorrow for New Users

Prime is worth it if you use it another. It's not really just the fact that it's two day shipping, it's the fact that it's free. For instance, I get 24-can cases of cat food on amazon, shipping is usually $8 or so. Figure 15 of those in a year and it's already paid for itself.
by Altephor
Fri Jan 23, 2015 5:16 pm
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 43
Views: 9256

Re: Is it worth it to buy a condo vs a house.

Ok. I'm actually on the negative side of it too, to be honest. Just wanted to make sure my own pessimism wasn't blocking a good opportunity. Sometimes I tend to question my own cautiousness, especially since the girlfriend is a jump first, questions later type. I am the opposite. I research all the ...
by Altephor
Fri Jan 23, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 43
Views: 9256

Re: Is it worth it to buy a condo vs a house.

HOA fee is ~360, includes water/sewer I believe. Not sure on insurance/taxes. I'm not necessarily saying I would buy this one in our building (our rented one is nicer, fully renovated, and is top floor corner vs bottom floor), but it just got me thinking that if we bought something around 80-90k, pu...
by Altephor
Fri Jan 23, 2015 3:34 pm
Forum: Personal Consumer Issues
Topic: Favorite Dishes?
Replies: 24
Views: 2486

Re: Favorite Dishes?

My go-to 'special' dinner is a stuffed chicken breast. Easy to make: Preheat the oven to 400. Remove skinless/boneless chicken breast from package. Season with salt/pepper. Butterfly the/each chicken breast. In a small bowl, mix a cup of chopped baby spinach, about 2-4 oz goat cheese, and as much gr...
by Altephor
Fri Jan 23, 2015 3:26 pm
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 43
Views: 9256

Is it worth it to buy a condo vs a house.

Let me clarify: I am not just talking about condo vs. house in the 'which is better, which is cheaper' sort of way. My girlfriend and I currently rent a 'condo' (an apartment, really) at a reasonable rent ($1100, all included, for ~800 sq ft). Considering the area (a very upscale suburb in boston me...
by Altephor
Fri Jan 23, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for a Amex Blue Cash Everyday card?
Replies: 18
Views: 91125

Re: Should I apply for a Amex Blue Cash Everyday card?

Most families spend more than 250.00 a month in gas and groceries. Therefore, this card is pointless. The 5% can ONLY be redeemed as a statement credit on purchases over 25.00. This is what I was told from a BarclayCard rep. Hence, I did not apply for the card. Not worth it with those caps and only...
by Altephor
Fri Jan 23, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Yearly Expenses - How am I doing?
Replies: 21
Views: 3530

Re: Yearly Expenses - How am I doing?

Your wife-to-be is a woman. So it's fiancee, not fiance. Fiance is the male. I read the original post thinking you were a woman, then got to the reply where you said 'she does this and this..'. Might save you a little confusion on other people's part in the future.
by Altephor
Fri Jan 23, 2015 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2922

Re: Young Couple Need Advice

Wouldn't do anything to the high mileage car. Leave it as is. At that mileage, cosmetic improvements are going to get you nothing. It's value is rapidly approaching 0. You say your car dictates what your colleagues think of you - honestly, who cares? Does it somehow affect your work? Do you get paid...