| O-T Lounge|| re: All nighters vs. 3 hours sleep - LSUtigerME on 3/12/14 at 10:45 pm|
Get some sleep. All nighters will not help you learn material.
I always went to sleep if studying. I pulled 1 or 2 all nighters, but it was actually working on a project. If you don't know the material before, you're not going to "learn" it from studying all night....
| Money Talk|| re: conventional vs post tension slabs? - LSUtigerME on 3/12/14 at 1:40 pm|
Keying into the "done right" argument for post tension, I had a buddy just have two cables snap within his slab and rocket out projectiles in his yard. Both put hefty dents into his fence 20+ feet away. In both cases the cable failed.
After that, I'll probably never do post tension. As mentioned,...
| Money Talk|| re: Where is the best place to find out your credit score? - LSUtigerME on 3/11/14 at 9:14 pm|
I use Myfico to get my scores. I think you can buy two bureaus from them. Not too bad and I usually do it before applying for credit.
As for the 0% qualification, most manufacturers list te eligibility by Tiers. Generally, it's over 700. Maybe as low as 680. However, some will have restrictions i...
| Money Talk|| re: Best Online low-fee DIY Investing Site? - LSUtigerME on 3/11/14 at 10:50 am|
[quote]I like Sharebuilder.
You can purchase fractional shares, and costs 6.95 a trade. But the real advantage is when you use their automatic investment plan, where trades cost just 3.95 per. [/quote]
Since it's not getting much support, I'll second this. I've used it for years. $4 auto tr...
| Money Talk|| re: Roth vs. Traditional IRA? - LSUtigerME on 3/10/14 at 1:49 pm|
[quote]The ROTH/traditional determination is based on whether you think your marginal tax rate will be higher in retirement than it is now. Because this is based on so many unknowable variables -- the end value of my retirement portfolio, whether SSI will still be available, what tax rates will be i...
| Money Talk|| re: Monthly income estimate - LSUtigerME on 3/9/14 at 7:45 pm|
I know they have a calculator on there as I've used it to determine if I need to adjust withholding.
It'll be a pretty rough estimate if trying to get take home income. Insurance, 401k contributions, any other retirement systems, etc could impact take home and if pretax, withholding....
| Money Talk|| re: Best way to invest 10-20k? - LSUtigerME on 3/9/14 at 2:58 pm|
Why is this money sitting there? Do you have another emergency fund? Do you regularly contribute there/here?
Are you fully invested in retirement vehicles?
Any other pre-tax contributions you can take advantage of?
Any high interest debts?
If this is retirement funds, put them into a ve...
| Money Talk|| re: Opinions on what to do regarding vehicle - LSUtigerME on 3/9/14 at 8:53 am|
What would you be planning to buy?
Financially, it's difficult to justify. Unfortunately this is the money board, so "wants" are irrelevant here. It's may become more responsible if you'd be buying used (or a great deal), and potentially saving on gas and/or insurance.
I personally can't stand...
| O-T Lounge|| re: Anybody else play the new app Smash Hit? - LSUtigerME on 3/8/14 at 7:57 pm|
Good game. And not a makeover of one I've seen before.
| Money Talk|| re: Leaving Small Consulting for Big Corporate. - LSUtigerME on 3/8/14 at 1:11 pm|
[quote]I work for big corporate as a ME. [...] There is a lot of office politics and corporate bs [/quote]...
| O-T Lounge|| re: How early do you get up on Saturday? - LSUtigerME on 3/8/14 at 9:55 am|
| Money Talk|| re: Best car for ~25k. What would you get? - LSUtigerME on 3/7/14 at 8:59 pm|
Honda Accord in Sport trim.
Rated one of the highest in safety, notably the small overlap frontal impact. It's got a great engine and CVT, that gets excellent gas mileage. And it's a Honda, so should last for years.
The Altima has had a ton of problems with the new CVT. Multiple reports of re...
| Money Talk|| re: Investing for kids - LSUtigerME on 3/7/14 at 1:52 pm|
Will this be invested in your name, or theirs as a custodial account?
I would either give them equal shares of a specific stock/fund if a custodial account. It's their choice to cash it out or whatever they choose. I assume you will contribute and leave it alone.
If it's your money, just dedic...
| O-T Lounge|| re: Questions on Leasing a Vehicle - LSUtigerME on 3/6/14 at 7:34 pm|
[quote]What's it say at 9 years of ownership and 3 consecutive 3 year leases? [/quote]
What do you think it says? Quit being obtuse. We're obviously not discussing someone keeping a vehicle for 9 years.
Do you nay-sayers not understand the desire of people to own a new vehicle? Any method of fi...
| O-T Lounge|| re: Questions on Leasing a Vehicle - LSUtigerME on 3/6/14 at 4:32 pm|
[quote]That spreadsheet only really works if you plan to get rid of the vehicle purchased at the end of the lease term.[/quote]
It's just a comparison term to determine the value at a common time. Again, assumption is you want a new vehicle and only decision is lease vs buy (meaning you will change...
| O-T Lounge|| re: Questions on Leasing a Vehicle - LSUtigerME on 3/6/14 at 4:13 pm|
This is one of my favorite topics due to the amount of misinformation and Dave Ramsey types who spew it.
It seems the people who've actually leased, understand it and know how it works.
[link=(http://www.tigerdroppings.com/rant/p/41357700/Own-vs-Lease.aspx)]This is a Thread from Money Board wi...
| Money Talk|| re: Roth IRA & 401k tax strategy question - LSUtigerME on 3/4/14 at 5:40 pm|
[quote]Distributions from a 401K are taxed as regular income regardless of the type of investment device used in the account. [/quote]
This is true, but only the non-taxed portions. Since he has already paid taxes on his contributions, that portion is tax-free (similar to contributions in a Roth).
| O-T Lounge|| re: 20 two sentence horror stories that will keep you up tonight - LSUtigerME on 3/4/14 at 5:22 pm|
frick all this. Several of them creep me out. Especially after reading much of the thread about the guy who's kid says she sees ghosts....
| Money Talk|| re: Roth IRA & 401k tax strategy question - LSUtigerME on 3/4/14 at 2:19 pm|
Seems fairly straightforward to me.
Are you maxing pretax contributions? I could see questions arising regarding why you are contributing to a taxable 401k if you qualify for a Roth....
| O-T Lounge|| re: Honda Owners-My Battery Went Dead And Radio Shows Enter Code - LSUtigerME on 3/4/14 at 1:15 pm|
In my Acura it was on a small card that came with owners manual, and not written anywhere within.
There's a recover radio code function on the Honda Owners website. Not sure what info it requires though....
| O-T Lounge|| re: Inspection sticker question - LSUtigerME on 3/2/14 at 10:25 am|
The way I've always heard it, it expires the first day of the month on the sticker, therefore the "leeway" is the month on the sticker. It is considered in violation the first day of the next month. The officer may give you some additional leeway.
Also, I recently found out they will not give you...
| Money Talk|| re: Oil, Chemical or Steel--best internships or entry level ME jobs? - LSUtigerME on 3/2/14 at 9:24 am|
Chevron (or any other O&G major, or possibly chemical company).
It's great for multiple reasons. It gives him the opportunity for higher salary right out of school (majors are hiring in around $90-95k now). It will also expose him to that environment, which is invaluable. He gets the experience i...
| O-T Lounge|| re: The audacious rescue plan that might have saved space shuttle Columbia - LSUtigerME on 2/26/14 at 2:38 pm|
I did an internship with Lockheed Martin in NOLA during the first launch since Columbia. Everyone was on pins and needles (I worked in the foam group). They sent out a multiple page report/video of the full launch afterwards for assessment of every single bit of foam that came off.
When the shut...
| O-T Lounge|| re: How many texts do you send per month? - LSUtigerME on 2/25/14 at 7:39 pm|
As of 2/5/14
Roughly 5 GB data
Wife is probably in thousands....
| O-T Lounge|| re: how much do you pay for daycare? - LSUtigerME on 2/25/14 at 6:46 pm|
$125/week and that includes all food/snacks/drinks. We provide diapers and clothes. This is an in home daycare with 5 other children.
Expect to pay between $125-175/wk. ...
| O-T Lounge|| re: Anyone bought a old school muscle car to fix up? - LSUtigerME on 2/24/14 at 2:22 pm|
Definitely a money pit. It's fun, and a great learning experience. You must be able to do a majority of the work yourself, or you're just gonna burn through cash.
Are you stuck on Chevy? There's a lot of more uncommon cars out there that can be had cheaper. Also, Mustangs are pretty easy to get p...
| Money Talk|| re: Anyone impacted by Target's network being breached? - LSUtigerME on 2/22/14 at 8:44 am|
So I just got hit with a $500 charge yesterday at Target (in Lake Charles) on my Chase CC account. Friends had a $1400 charge the day before. Not sure if related to this breach, but definitely suspicious.
Chase covered it and is sending me new cards. But what a PITA that's gonna be be changing al...
| O-T Lounge|| re: Hollingsworth Richards Automotive Group - LSUtigerME on 2/22/14 at 7:41 am|
Although the place is kinda shitty, I found their business practices just fine. Gave me by far the best price without even haggling, even for a car not on their lot. Team Honda couldn't come close (or any other dealer in area).
When signing with finance, I had no...
| Food and Drink Board|| re: Rauls Burgers - LSUtigerME on 2/21/14 at 6:41 pm|
The place is still great, but not quite like before.
Roul (or at least the guy I always assumed was Roul at LSU place) works at the one over on Plank. See him there often. He's got some huge balls. Has a long poster of some speech by MLK about how blacks are hurting their own position in society....
| O-T Lounge|| re: Is it time for yard work yet? - LSUtigerME on 2/20/14 at 9:41 am|
[quote]starting next week, gonna throw down some weed and feed them punch holes to promote new growth[/quote]
I need to do this too. My yard is terrible....