Search found 342 matches

by closetoreality
Tue Nov 15, 2016 12:46 pm
Forum: Personal Investments
Topic: Need Advice: Heading Home for the Holidays
Replies: 16
Views: 1466

Re: Need Advice: Heading Home for the Holidays

I do not understand this, family is not around forever and I think you should adapt to the personality of your family so that you can enjoy your time there for the holidays. Sometimes you just need to leave who you are back home and not be afraid to loosen up and enjoy yourself around others. There ...
by closetoreality
Tue Nov 15, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: AppleCare on MacBook Pro?
Replies: 40
Views: 7158

AppleCare on MacBook Pro?

I purchased a MacBook Pro just shy of a year ago. I'm coming up on my one year mark in just a few days, which means I need to decide by then if I'm going to purchase the additional AppleCare warranty. It is a maxed out Mid-2015 15" MacBook Pro. I believe I paid right around $3,000.00 for it. At...
by closetoreality
Mon Nov 14, 2016 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Monthly grocery costs? How do you keep it low?
Replies: 155
Views: 27463

Re: Monthly grocery costs? How do you keep it low?

Diet is a priority I keep high, the return I receive (mentally, physically) from eating whole and consistent has warranted the means I put towards groceries every month. I will admit I'm a bachelor, however groceries are one thing in my budget I try to keep flexible. With that said, I'm constantly a...
by closetoreality
Mon Nov 14, 2016 12:37 pm
Forum: Personal Investments
Topic: facebook
Replies: 45
Views: 8933

Re: facebook

Actually I have been thinking of the opposite.. Going into Google and Facebook. My hypothesis is not based on the fact that Facebook is about social media, but the fact that the smartest people work at Google and Facebook. Also even though people think of Google and Facebook as being about search a...
by closetoreality
Mon Nov 14, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Ted Talks Event
Replies: 0
Views: 2739

Ted Talks Event

So I'm attending my first TEDx event in a few days and aside from listening to them on Youtube I have no experience in what else goes on. So if anyone has been to one of these events please let me know what to expect, is it just a matter of going in and sitting down listening to speakers or is there...
by closetoreality
Mon Nov 14, 2016 10:57 am
Forum: Personal Investments
Topic: facebook
Replies: 45
Views: 8933

Re: facebook

I would sell it all and put it into an index fund.

Facebook has had its day. Society if anything is beginning to resent social media.

However, thats the opinion of a 30 year old millennial with no credibility.
by closetoreality
Sun Nov 13, 2016 12:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6567
Views: 1451251

Re: What Movie Have You Recently Watched?

Inside Job (Documentary)

Next will be 'Too Big To Fail' & 'Margin Line'.
by closetoreality
Thu Nov 10, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Mattress Shopping Advice
Replies: 11
Views: 2008

Re: Mattress Shopping Advice

There've been a surprising number of threads on this in recent memory. For example: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=194103&hilit=mattress https://www.bogleheads.org/forum/viewtopic.php?f=11&t=195469&p=2982447&hilit=mattress#p2982447 https://www.bogleheads.o...
by closetoreality
Thu Nov 10, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Mattress Shopping Advice
Replies: 11
Views: 2008

Mattress Shopping Advice

I know very little about the quality of mattress brands out there, or the suppliers that carry them. It has been a while since I was in the market for a mattress, and the last time I honestly did no homework and based the purchase on local availability and convenience. This time, I'm looking to do a...
by closetoreality
Tue Nov 08, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Investing the cash instead?
Replies: 10
Views: 1541

Re: Investing the cash instead?

Nothing wrong with floating the debt at 0%. You should set up autopayment so you don't accidentally forget and get hit with interest going backwards - but that takes a couple minutes and has to be done once. But if you do it it shouldn't be to invest in risky assets (i.e. your admiral funds) since ...
by closetoreality
Tue Nov 08, 2016 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Investing the cash instead?
Replies: 10
Views: 1541

Re: Investing the cash instead?

The answer really depends most on how you value your time. The administration of this plan will require you to initiate monthly payments so figure 5 minutes per month x 12 months. That's 1 hour worth of your life. Is your time worth more than $21/hr? I guess my excuse is I need $1400 more to bump m...
by closetoreality
Tue Nov 08, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Investing the cash instead?
Replies: 10
Views: 1541

Investing the cash instead?

I have a large bill coming up ($1,400), I also have a 0% CC for the next 12 cycles. Tempted to put the purchase on the CC in order to invest this cash instead. Benefits: - 1.5% rewards on CC (This would accumulate $21.00) - 0% interest for next 12 months Cons? - I will be paying on it ~$117.00 minim...
by closetoreality
Sun Nov 06, 2016 6:14 pm
Forum: Personal Investments
Topic: Where To Put Your Emergency Fund?
Replies: 11
Views: 2973

Re: Where To Put Your Emergency Fund?

a) Mentally think of what the emergency is, and judge whether any of those locations can get money quickly enough to where it might need to be. I think some of it should be someplace where you can access it via an ATM machine, write a check on it, and get a bank that's no more than ten minutes' tra...
by closetoreality
Thu Nov 03, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance - Unhealthy
Replies: 28
Views: 5668

Re: Personal Finance - Unhealthy

OP, I have a book by Dave Ramsey "Total Money Makeover" which I think you could pull a lot of motivation and knowledge from. It breaks down the essentials of building a financial foundation and becoming debt free. If you would like to read the book let me know I will send it to you free of...
by closetoreality
Sun Oct 30, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Too Many CC's? [Credit Cards]
Replies: 35
Views: 10678

Re: Too Many CC's? [Credit Cards]

So I'm rebuilding my credit. I now have a total of 7 CC's adding up to an available credit pool of $12,350. My utilization right now is 2%, I pay the balances off [if any balance] off each month. My goal is to acquire as much of a deviation between available credit and actual utilization. So in the...
by closetoreality
Sun Oct 30, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Developing Muscle Memory [Investing]
Replies: 4
Views: 1326

Developing Muscle Memory [Investing]

Would having a new investor transfer $15-$20.00 a week into a settlement account such as VG's Prime MM be a good way to get someone in the habit of consistently investing?

They wouldn't be actively investing just yet, just pooling up cash.
by closetoreality
Sat Oct 29, 2016 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Too Many CC's? [Credit Cards]
Replies: 35
Views: 10678

Re: Too Many CC's?

Age of accounts matters. I don't think number of accounts matters. I'd stop opening new accounts and let those mature. They should up the credit limit with age and use. Another option is to pay the cards off before the statement cuts. That could achieve a 0% utilization. From what I have researched...
by closetoreality
Sat Oct 29, 2016 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Too Many CC's? [Credit Cards]
Replies: 35
Views: 10678

Too Many CC's? [Credit Cards]

So I'm rebuilding my credit. I now have a total of 7 CC's adding up to an available credit pool of $12,350. My utilization right now is 2%, I pay the balances off [if any balance] off each month. My goal is to acquire as much of a deviation between available credit and actual utilization. So in theo...
by closetoreality
Fri Oct 28, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 2785

Re: Moral Question

Moving forward, what would be the best approach for Peter to take in expressing to Joe his moral beliefs do not align? Peter feels Joe should focus on moving forward and not getting compensated for 4 years ago. However Peter also does not want to do anything thats going to take the goal off track, w...
by closetoreality
Fri Oct 28, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 2785

Re: Moral Question

OP, Come on. A & B had been brothers for a very long time. It is OBVIOUS to both parties that someone cannot be held accountable for his promises. But, A still choose to let B stay rent free for X amount of time? Then, A got upset because B had been CONSISTENT in his behavior? So, where is THE ...
by closetoreality
Fri Oct 28, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 2785

Re: Moral Question

Peter promised to pay back Joe, but stiffed him. Peter appears to have no morals. To be more specific, Peter promised Joe he would pay rent through labor around the house he was renting from Joe. Joe agreed to this and allowed Peter to live rent free in exchange for labor. Peter never finished the ...
by closetoreality
Fri Oct 28, 2016 10:08 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 2785

Re: Moral Question

'Wanting to forget about it' and 'feeling a need for compensation' seem to be contradictory. If the priority is being made whole financial, then by all means. If the priority is to leave the past in the past and have a lasting good relationship with his brother, then proceed with just forgetting ab...
by closetoreality
Fri Oct 28, 2016 10:05 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 2785

Re: Moral Question

Peter promised to pay back Joe, but stiffed him. Peter appears to have no morals. To be more specific, Peter promised Joe he would pay rent through labor around the house he was renting from Joe. Joe agreed to this and allowed Peter to live rent free in exchange for labor. Peter never finished the ...
by closetoreality
Fri Oct 28, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: Moral Question
Replies: 18
Views: 2785

Moral Question

Lets say Peter and Joe are brothers. Four years ago Peter was not making the greatest choices, he lied to his brother Joe, and caused Joe some financial consequences because of it. Think along the lines of Peter promising Joe XYZ in return for free rent, and Peter never produced XYZ. Peter did not i...
by closetoreality
Thu Oct 27, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4344

Re: Engineering to Finance (CFA, CFP)

That's what college is for, isn't it? Figuring out your interests, taking detours here and there, and so on. All the questions you're having now is healthy and normal, and I don't think you should rush to find the answers. I doubt you'll be able to get any answers any time soon - most likely you'll...
by closetoreality
Thu Oct 27, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4344

Re: Engineering to Finance (CFA, CFP)

So I want to thank everyone who has replied. I'm not too far into the program, I'm only currently in Calculus I, and just took Solid Modeling I (SolidWorks) and completed some light engineering courses. Courses such as Strength and Materials and the other core engineering staples I have not taken ye...
by closetoreality
Wed Oct 26, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4344

Re: Engineering to Finance (CFA, CFP)

My main reason for the thought of switching is the interests I have in ME vs Finance. I feel like I went into ME due to the people I use to work around, versus finances which I study and surround myself around during my personal time.
by closetoreality
Wed Oct 26, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4344

Re: Engineering to Finance (CFA, CFP)

Currently an Engineering student, curious if anyone had any insight on this. Looking into changing over to a finance/business degree. My main concern is timeframe, I know the proper path would be transferring from my BSME program to an MBA program. Once graduated I would go after my CFA, that is wh...
by closetoreality
Wed Oct 26, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4344

Re: Engineering to Finance (CFA, CFP)

Currently an Engineering student, curious if anyone had any insight on this. Looking into changing over to a finance/business degree. My main concern is timeframe, I know the proper path would be transferring from my BSME program to an MBA program. Once graduated I would go after my CFA, that is wh...
by closetoreality
Wed Oct 26, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Engineering to Finance (CFA, CFP)
Replies: 34
Views: 4344

Engineering to Finance (CFA, CFP)

Currently an Engineering student, curious if anyone had any insight on this. Looking into changing over to a finance/business degree. My main concern is timeframe, I know the proper path would be transferring from my BSME program to an MBA program. Once graduated I would go after my CFA, that is wha...
by closetoreality
Wed Oct 26, 2016 12:59 pm
Forum: Personal Investments
Topic: Buying ETF's...
Replies: 3
Views: 598

Buying ETF's...

Is there anything wrong with buying ETF's until you have accumulated enough to switch it over to an index fund. I figured with VG's free ETF buys it would be a good way to not only practice the "muscle" memory of consistently investing, but to get the money into the market sooner than late...
by closetoreality
Tue Oct 25, 2016 9:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Re: Vanguard Prime Money Market vs Online Savings

I haven't used Vanguard's MM in many years - ever since online bank rates paid more. It isn't that hard to set up and link and even with your EF of 20,000 this means you are giving away $200 a year that you wouldn't have otherwise. Is $200 worth 30 minutes to set up an online account and do transfe...
by closetoreality
Tue Oct 25, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Re: Vanguard Prime Money Market vs Online Savings

My checking is through USAA, and I'm able to transfer 5K from my online savings to my checking and have it available immediately. The only issue with that is I'm then bottlenecked by the 3K debit card limit purchase per day. Of course thinking of all this in the situation an actual emergency arises,...
by closetoreality
Tue Oct 25, 2016 8:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Re: Vanguard Prime Money Market vs Online Savings

SpartanFan wrote:For us we use Barclays Savings - Pays .01%
You mean .01%(100) :happy
by closetoreality
Tue Oct 25, 2016 12:27 am
Forum: Personal Consumer Issues
Topic: Where do you store your paper documents?
Replies: 36
Views: 5021

Re: Where do you store your paper documents?

I've decided to go for the 300 dpi scanning setting on my LaserJet 400 I also take a fair number of photos with an iPhone 5S, which I've begun to manage with an app called Utiful. Not to hijack this thread, but I have to ask, what is the average size of your documents using 300dpi? Not to be too cr...
by closetoreality
Mon Oct 24, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: Where do you store your paper documents?
Replies: 36
Views: 5021

Re: Where do you store your paper documents?

pondering wrote:I've decided to go for the 300 dpi scanning setting on my LaserJet 400

I also take a fair number of photos with an iPhone 5S, which I've begun to manage with an app called Utiful.
Not to hijack this thread, but I have to ask, what is the average size of your documents using 300dpi?
by closetoreality
Mon Oct 24, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Where do you store your paper documents?
Replies: 36
Views: 5021

Re: Where do you store your paper documents?

Just started digitizing my file cabinet (minimalism kick I'm on). Still figuring out a good balance between file size and quality (DPI setting).
by closetoreality
Mon Oct 24, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: VW Jetta TDI Settlement
Replies: 9
Views: 1442

Re: VW Jetta TDI Settlement

Our 2010 Sportwagen is parked and waiting to be bought back. Replacement has already been purchased. If there was an approved fix (I highly doubt there will be one for the non-SCR vehicles) I'd still take the buy back. There's just too many expensive things that can go wrong with these cars on top ...
by closetoreality
Mon Oct 24, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Re: Vanguard Prime Money Market vs Online Savings

Going to stick with Ally, thanks for the replies.
by closetoreality
Mon Oct 24, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: VW Jetta TDI Settlement
Replies: 9
Views: 1442

VW Jetta TDI Settlement

I have a 2012 Jetta TDI that is involved in the settlement offers coming up soon. I'm having a hard time deciding what is best, financially. Right now my 10-day payoff is $12,875.00 and it's value is shaky right now with everything that is taking place. I have no idea how accurate the NADA values ar...
by closetoreality
Mon Oct 24, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Re: Vanguard Prime Money Market vs Online Savings

I haven't used Vanguard's MM in many years - ever since online bank rates paid more. It isn't that hard to set up and link and even with your EF of 20,000 this means you are giving away $200 a year that you wouldn't have otherwise. Is $200 worth 30 minutes to set up an online account and do transfe...
by closetoreality
Mon Oct 24, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Re: Vanguard Prime Money Market vs Online Savings

If someone has their investments with Vanguard, and wants their savings under the same roof. Is it against financial principle to ignore the loss in yield and not use an online bank? I like the idea of having it with Vanguard, and at the end of the day I don't believe I hold enough of an EF to reall...
by closetoreality
Mon Oct 24, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market vs Online Savings
Replies: 32
Views: 8448

Vanguard Prime Money Market vs Online Savings

I'm having a disconnect figuring out why one would opt to stash something along the lines of an EF in a low yield (MM Fund) versus an online savings bank that can grab 1%.

Could someone share some insight on this?

Thanks.
by closetoreality
Sat Oct 22, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Question re: biicycle pump for car tires
Replies: 16
Views: 3676

Re: Question re: biicycle pump for car tires

I recently purchased a bicycle pump to top off the air in my car tires and it's turning out to be the perfect solution for me. It's easy, no gas stations (or traffic) to deal with, and no compressor to keep charged. In fact the pumping process is so easy I have to force myself to slow it down becau...
by closetoreality
Sat Oct 22, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Quicken Bill Pay
Replies: 15
Views: 2035

Re: Quicken Bill Pay

Nice to see a fellow pit owner on here. Mine is 90 lb. and was just put on a diet. :D

Want to get him down about 5 lb.

Anyway thanks for the Bill Pay feedback.
by closetoreality
Sat Oct 22, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Quicken Bill Pay
Replies: 15
Views: 2035

Re: Quicken Bill Pay

might just give it a go, maybe I will feel it is more convenient than I'm giving it credit for. I pay a guy to come to my house and scoop up my dog's poo, but the thought of paying $120/year for something BoA does for free makes my head explode. And, I'm a big Quicken fan. I don't see ANY advantage...
by closetoreality
Sat Oct 22, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Shipping Issues since move from UPS to USPS
Replies: 122
Views: 62848

Re: Amazon Prime Shipping Issues since move from UPS to USPS

Amazon prime use to be a really legitimate service. One thing is common with the most successful businesses...it is never enough. USPS is a cheaper alternative to UPS, we all know that. Using less foam/bubble wrap is another way to pinch pennies. Anything to raise their revenue, which can be done by...
by closetoreality
Fri Oct 21, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Quicken Bill Pay
Replies: 15
Views: 2035

Re: Quicken Bill Pay

might just give it a go, maybe I will feel it is more convenient than I'm giving it credit for.
by closetoreality
Fri Oct 21, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Quicken Bill Pay
Replies: 15
Views: 2035

Re: Quicken Bill Pay

Another thing I have realized is that if you use Quicken Bill Pay I do not think you can use a CC to pay for bills. Which is kind of uninviting for someone who tries to utilize a CC with cash rewards.
by closetoreality
Fri Oct 21, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Quicken Bill Pay
Replies: 15
Views: 2035

Quicken Bill Pay

I have setup a Quicken Bill Pay account, the one that uses the 3rd party Metavante Services that carries a $9.99/MO fee. I setup my payments within Quicken, and played around with the feature and saw what it was all about. I ended up deleting all of the scheduled payments in the Quicken software aft...