Best posts made by orthros

@openupyoureyes Didn’t have time for a movie but awesome post. Thanks for your generosity.

@mrvietnam Walmart does have self-checkout everywhere, so I would go that route rather than deal with potential roadblocks.

Excellent find. I’m tempted to drive 30 minutes round trip to see if I can pick up 1 or 2 for my kids.

Seriously these are the best Epic Games giveaways in a long time, maybe forever. Both are seriously awesome AAA games.

…which I’m planning to spend on more Chipotle

W5TKH9S6 for $1.25 off any rental, expires at 11:59pm tomorrow night (September 24th)

I have bought used cars through Craigslist and eBay (yes, eBay) throughout the years and have saved a ton of money.

The key, if you aren’t a car guy (I’m not), is to pay a trusted mechanic to give it a thorough going over. $50 - 75 should do.

I bought a 10 year old Toyota for about $2,500 that I sold last year for $1,300. It was 20 years old.

I just bought another 10 year old Toyota for about $4,000. I will, God willing, have this one for 10 years as well with minimal yearly depreciation.

YMMV but I find that buying 3 year old cars captures about 50% of the potential value, but buying reliable transportation at the 7-10 year mark grabs almost all of it. Naturally, you may want cooler-looking wheels, but I figure I’ve saved tens of thousands of dollars by buying older and paying a mechanic to do the inspection.

I am not an RIA.

He has two investments, neither of which is really suitable. Money Market is too conservative for a 10 year investment. Health Care is too aggressive - he’s betting on one segment (that has done exceptionally well historically) to continue to do so. Ask those who invested in Fidelity Japan how that worked out back in the 90s.

My belief is that he should be in a 40/60 split of Vanguard Total Market and Vanguard Total Bond. Risk tolerance is a big factor here - if he can handle the potential that he could lose a little money over 10 years vs. a much more likely strong gain, then he could nudge that to 50/50 or even 60/40. But the higher than ratio, the higher the risk.

Today, the risk is absurdly high.

Also, note that since you mentioned that funds would be invested outside of retirement accounts that Vanguard Total Stock Market is highly tax efficient. I don’t invest in bonds outside of my retirement account, so he’d have to do a little leg work to see what his net tax rate would be on the bond portion. If it’s high, he should look at the Tax-Managed or Municipal bond offerings, although those have a bit of concentration risk as well.

Hope this helps.

Credentials: 10+ years as a Chief Financial Officer. MBA from top 25 school (graduating # 1… hooray me!). Lots and lots and lots of time explaining to people why their investments don’t match their risk profile & goals.

#HailCorporate alert

Quarter pounder is totally worth it for $1. I haven’t tried a QPC in 15 years because the frozen version was between mediocre and bad.

This is still not as good as a Whopper or Wendy’s burger. But it’s close. And it’s $1. Most people will be happy to save $2 or so from buying elsewhere.

Note that a QPC is 510 calories so those of us trying to lose weight will need to keep that in mind.

All right, so I’ve tried the double filet-o-fish and the buttermilk chicken sandwich as well.

All 3 items (including QPC) can be summed as:

• Waaaaaaaaaaaaay better than I remember them tasting 20 years ago
• Still not as good as BK/Wendy’s/5 Guys/whatever
• Still waaaaaaaaaay cheaper than the alternatives, so guess where I’m eating until September 30th rolls around

I’ll try to hit all the majors on their menu. If one is particularly good, I’ll give a heads up.

My wife was told that the chicken sandwich was almost as good as CFA. Her rating: Pretty good, but not in the same stratosphere as CFA.

But (note the theme) for $1 she’ll be eating it again.

@dstall63 said in Official REDBOX Video Rental Codes Master Thread:

UTSN5U5J

Used. My kids thank you for Sonic Mania Plus, which they mysteriously love more than any other game out there. Go figure.

My kids liked the first one. Thanks OP.

Also, for those with a Costco membership 50 packets of Swiss Miss are on sale for $4 until Sunday.

I’m not normally a big privacy guy, but the terms of using their tax prep software gave me enormous pause.

They explicitly will be sharing your financial details (or have the right to) with banks and credit card agencies, perhaps even including the credit agencies themselves.

The risk-reward on this is enormous. If a bank decides your risk factor, based on your tax returns, merits an extra 1/4% bump, you’ll lose a lot more than the $40 you would have shelled out to TurboTax or H&R Block.

Just food for thought.

Just received the envelope today. It’s impossible to miss - it’s huge, it’s rigid and has a big Natural Light logo on it.

Now to see if they deliver my C-note

Ally Bank drops to 1.00% (from 1.10%) effective today, July 8, 2020

FYI, the recipient then has to spend or send $5. Not a biggie but if you don’t do it you both don’t get the $10

Awesome.

Just be aware that because of the similarity in the name you may eventually get a C&D letter. IANAL but it does seem like the stupid sort of thing that eBates would do.

Stumbled across an old Steam key and realized that others may have some too.

Share 'em if you have 'em, and post when you’ve taken one.

$1.25 off first night rental
Exp. 11/5/17 @ 11:59pm
RY7JN7X4

$1.25 off
Use code YE4M4H37 by 11/12 @ 11:59pm

Code FSOctober still works and price has now dropped to $7.49.

Class 4 or not, at that price I’m in for 1. Thanks OP.

I had to click on a bunch of junk, but once it popped it, it was there.

Note that the default choice is an Amazon GC, but you can pick the Visa gift card (which was the 3rd option for me).

Also note that the deadline is pretty quick - I think I have 10 days to get in and test drive to get the $50.

Thanks OP. Christmas is coming soon.

Great price. But note that this does not have a DVD drive, which may be a deal killer to same.

ZLE82WEY
Rent 1, Get 1 free
Expires Monday (tomorrow) evening at 11:59pm

I’ve listened to it and most of the songs are great.

Just got one at 10am ET on December 4th.

Good for picking up some small stuff / stocking stuffers.

Free night GAME rental: QHNMT74A
Expires 12/8 at 11:59pm

@dionaea I have one that might work. HT to @hope2k who threw it my way - it may have expired but your odds are good. Check your chat for a message.

This was a great thread.

I do this but I show the money more or less openly. Guess I don’t want them to pocket the $20 and then smarmily say “Sorry Sir, we’re all sold out.”

Not sure if there’s much I could do at that point.

Free rental - code TNACX3VD

Please post when used

Another $1.25 off 1st night’s rental code
Expires 2/25 at midnight
V2FXUZGM

Please post when you use.

Free 1 night DVD rental
code FVKSE4DM
exp. 3/8/18 at 11:59pm

Free rental code
3TYDTE7M
Please post when used

$1.25 off
TP98V3LW
Expires 5/13 at 11:59pm

Just tried it and it worked. Easy as pie. You’ll need to log in of course.

Thanks @ctujackbauer