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Posts By Joshjrn
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Political Talk
re: Teens enter vocational school, come out with jobs, no debt - Joshjrn
[quote]Vocational schools train you for jobs. Universities are meant to give you an education, not necessarily train you for a job. It's the responsibility of the individual to make the correct decisions in the process.[/quote] This. If you look into the history of the "liberal arts education" it...
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Food and Drink
re: Iverstine Farms Butcher Shop - Joshjrn
[quote]All I'm saying is this place better sell cracklins / boudin balls and cheap stuffed chickens if it's going to make it. But then what do I know about overpriced food. In my opinion Target's chickens are overpriced. [/quote] Sucks to suck. ...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]Feel like I need to jump on a Chase SPG offer in the near future. Do they ever go above the 50,000 points offer?[/quote] No. 40k was the standard offer forever. ...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]Low APR, but they said maintaining a small balance is better than paying off every month.[/quote] They're wrong. Well, more specifically, they are conflating two separate issues. The advice is based on the correct idea that your credit score is improved by responsible use of credit. Th...
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Money Talk
re: A Note on Tuxedo Rental - Joshjrn
Yes, tux rentals are a joke. You pay a fortune to rent a cheap, poorly fitting garment that everyone can spot for what it is from a mile away. ...
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Money Talk
re: Pulling out of your 401k early. - Joshjrn
[quote]They didn't make their money back if they started drawing an income at the bottom. Believe it or not, some folks got screwed pretty bad.[/quote] If you're 100% invested in equities within a decade of retirement, you're a fool. Whether due to ignorance or greed, but still a fool. ...
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Money Talk
re: Pulling out of your 401k early. - Joshjrn
This is fricking insanity. I know someone who pulled out at the bottom in 2008 and never got back in because he was absolutely certain the market was going to double dip. He missed one of the biggest market rallies in history. If your co-worker wants to write Uncle Sam a $5,000 check for abso...
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Money Talk
re: So how should I invest my money? - Joshjrn
[quote]When do you think it is worth it to go sector specific? Above 10k? 25? $50,000?[/quote] I never intend to. I handle my own diversification when it comes to bond vs equity and domestic vs international, but my domestic holdings are exclusively in Total Market Index funds. Considering that i...
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Money Talk
re: So how should I invest my money? - Joshjrn
A guarantee? Leave it in savings :lol:...
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Money Talk
re: Am I out of tax shelters? - Joshjrn
[quote]Could you set up a solo401k? [/quote] From what I recall from researching SEP, Solo401k, etc, contributions are limited to a percentage of self-employed income, of which I have none for the time being. ...
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Money Talk
re: Am I out of tax shelters? - Joshjrn
[quote]I meant from the tax perspective and I just assume you have some loans too. [/quote] In fricking spades :wah:...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]Until May 15, in branch offer is 70K + AF waived.[/quote] Oh lawd... I wish I didn't already have one :lol:...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]I don't have a business, and just got my CSP 2 months ago.[/quote] You don't need one. Just be prepared to mention something you're considering opening :lol: And as soon as you've met your CSP spend, I don't think that's an impediment, otherwise. ...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]Disagree. I would say Chase Ink. Still allows you to redeem for two free nights at a top tier Hyatt (30K/nt) and gives you the added flexibility of Chase UR.[/quote] I would argue they are about equal. I think the flexibility is offset by the fact that the Ink doesn't waive your fee the fi...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]I already have the CSP, was going to wait on the Hyatt so I can use the free nights next summer since they expire in a year.[/quote] Then hit up an Ink Plus now. 60,000 points never hurt anyone: https://creditcards.chase.com/ink-business-credit-cards/ink-plus-card?CELL=6RRW&kwdID=c6ZbbL...
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Money Talk
re: Am I out of tax shelters? - Joshjrn
[quote]Sucks you don't have a 401k.[/quote] My employer invests 7.5% of my salary straight up, so I have a hard time complaining too much, but yeah, I wish I had the flexibility. ETA: The equivalent of 7.5% of my salary. They aren't taking 7.5% from me to invest :lol:...
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Money Talk
re: Am I out of tax shelters? - Joshjrn
[quote]LINK Look into these limits, you may make too much to be financially responsible now.[/quote] Unfortunately, I don't have [i]that[/i] problem quite yet :lol:...
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Money Talk
re: Am I out of tax shelters? - Joshjrn
I don't currently itemize, but that's something I'll keep in mind going forward. ...
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Political Talk
re: Tell me what happened to Rand Paul's 2016 Presidential campaign. - Joshjrn
Trump sucked the air out of any other anti-establishment candidates, and Rand didn't have the cash to overcome that blow. ...
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Money Talk
re: Credit Card Rewards and Points Discussion - Joshjrn
[quote]Time to start planning next years summer trip. I'll pick up the card sometime this fall.[/quote] Why wait? Pick up a CSP or Ink to help with the airfare :lol:...
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Posts By Joshjrn
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