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Re: Best Current Credit Card Bonus for $10k Purchase?

Another to consider is the AA Executive card. I think the minimum spend on the Chase Sapphire is pretty easy w/normal spending, while AA Executive, not so much. $450 annual fee (not waived), $100 statement credit, and 75k miles after $7,500 in spending (down from 100k for $10k spend earlier this ye...
by 2stepsbehind
Wed Jul 23, 2014 5:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Current Credit Card Bonus for $10k Purchase?
Replies: 10
Views: 695

Re: Improving my credit score

why would you suggest he open a macy's card and get a measly $500-1000 credit line, when presumably he could apply for an amex or another card and get a much larger credit line? Because the primary goal of credit usage is to get maximum benefit from the credit, not necessarily to maximize your scor...
by 2stepsbehind
Thu Jul 03, 2014 5:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 1863

Re: Changed Lawyers - Won't Transfer File

I was under the impression as well, this not be a big deal...legal documents need to transported all the time. I know a letter was submitted by the new firm to the old firm. Somehow 3 month later, it is still not done and mom is being asked. By way of background the old firm/lawyer is under investi...
by 2stepsbehind
Wed Jul 02, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2234

Re: Improving my credit score

why would you suggest he open a macy's card and get a measly $500-1000 credit line, when presumably he could apply for an amex or another card and get a much larger credit line?

OP, I'd sign up for both the amex and cap 1 and let time and consistent payments do its work.
by 2stepsbehind
Wed Jul 02, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Improving my credit score
Replies: 34
Views: 1863

Re: Best way to send money quickly to parents in Florence, I

Not to pile on, but this is a good illustration of why you should always have a backup credit and debit card packed away when traveling. Hope your parents enjoy the rest of their trip.
by 2stepsbehind
Tue Jun 24, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: Best way to send money quickly to parents in Florence, Italy
Replies: 18
Views: 1498

Re: 27 Year Old Medical School Graduate With Financial Quest

I've been looking into Roth IRAs as suggested above. By my rough calculations, if I invest the maximum yearly, in thirty years at an average return of ~8-9%, I should have accumulated around 400k. I think that's too good of a deal to pass up, even though it would mean less of a contribution to my l...
by 2stepsbehind
Fri Jun 13, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 27 Year Old Medical School Graduate With Financial Questions
Replies: 7
Views: 1076

Re: 26 - NEW JOB - Help Please!

I was wondering what the security deposit part meant. OP, does Kosmo have that correct and you have taken your renters security deposit and done whatever with it so it's at zero??!! That's not your money to spend right now!! I agree. This was very unethical thing to do. Did not realize this until i...
by 2stepsbehind
Fri Jun 13, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: 26 - NEW JOB - Help Please!
Replies: 14
Views: 1030

Re: Government Employment (Employee)Question

Without more detail from you as to department/agency, position, and location you will not get any useful replies. Incidentally, I've found federalsoup.com to be a good source to get insight w/r/t many departments.
by 2stepsbehind
Wed Jun 04, 2014 1:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Government Employment (Employee)Question
Replies: 7
Views: 749

Re: Husband just lost job

No not eliminated a customer put in a complaint - not a bad complaint and he has been with his job for 21 years so yes we are letting the union do there thing - and yes it's a big possibility we will get the lost wages back but again no guarantee. I work p/t because my kids are 12 and 14 - what kin...
by 2stepsbehind
Sat May 24, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Husband just lost job
Replies: 60
Views: 6328

Re: Paying of debt after Father in Laws death

When my mother died we went through the steps the attorney outlined he posted the notices and we informed any creditors that she was deceased and the estate in probate after which only one creditor filed against the estate for which the attorney negotiated a lower amount to settle. This. Consult wi...
by 2stepsbehind
Sat May 24, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying of debt after Father in Laws death
Replies: 27
Views: 3075

Re: 31 yo single income with 3 small children: What to do?

As an employee of a state university, do your kids qualify for free or significantly reduced tuition? If so, all the more reason to prioritize the other parts of your financial life before contributing more to the 529 plans.
by 2stepsbehind
Thu May 08, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 31 yo single income with 3 small children: What to do?
Replies: 31
Views: 3785

Re: Roll over good 401(k) into TSP?

I would move your 401k to tsp. You cannot beat the rock bottom expense ratios and access to the G fund. :)
by 2stepsbehind
Sat May 03, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Roll over good 401(k) into TSP?
Replies: 4
Views: 389

Re: Inheritance / gift question

Good points, however, if there are reasons to differentiate between the great grandchildren they are best disclosed rather than cloaked.
by 2stepsbehind
Sun Apr 13, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance / gift question
Replies: 12
Views: 1364

Re: Inheritance / gift question

Secrets like these have a funny way of getting out. I'd advise her to treat all the great grandchildren equally. I don't understand why a 529 plan wouldn't work; she's 90 now, and the kids are under 10; I think the chances she lives another 8-12 years are relatively modest. Moreover, the owner of th...
by 2stepsbehind
Sun Apr 13, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance / gift question
Replies: 12
Views: 1364

Re: Use credit cards to pay rent: Amex Serve?

I would like to find some way to get credit card points for paying my rent (and other bills), but my landlord doesn't accept credit card payments. My understanding is that Amex Serve might allow me to do this: I fund my account using a credit card, and then I write checks from the account. Does any...
by 2stepsbehind
Sat Apr 12, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 5578

Re: Passport, TSA Pre-Check, and Global Entry

To livesoft: Of course not having global entry or pre-check isn't the end of the world, but pre-check can save you at least 5-10 minutes going through security and if you travel lightly/don't check luggage, having global entry helps you get out of the airport pretty quickly (probably saving you 30 ...
by 2stepsbehind
Sat Apr 12, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 3291

Re: Passport, TSA Pre-Check, and Global Entry

Victoria, My guess is all DC locations will be busy. To livesoft: Of course not having global entry or pre-check isn't the end of the world, but pre-check can save you at least 5-10 minutes going through security and if you travel lightly/don't check luggage, having global entry helps you get out of...
by 2stepsbehind
Sat Apr 12, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 3291

Re: Passport, TSA Pre-Check, and Global Entry

1. Not sure you should cancel your free Pre-check through work. If anything I'd think having Pre-check would expedite getting Global Entry. The toughest part of the process is getting a GE appointment at Dulles as the schedule is booked months ahead (I think I was conditionally approved in Feb and d...
by 2stepsbehind
Fri Apr 11, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 58
Views: 3291

Re: Passport validity: Do I need at least 6 months?

Victoria, For what it is worth, I probably wouldn't bother to send in your application in before your UK trip and instead would check in for my flight online to avoid any unnecessary scrutiny. You are not high on the list of folks they are concerned about (If questioned, just show your return ticket...
by 2stepsbehind
Fri Apr 11, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3424

Re: 24 y/o investing inheritance

It's amazing how complicated things get so quickly. I had no idea that graduate student stipends might not be "earned income". Is there any way to get around that and/or is it possible to use 1099 money for a different type of tax advantaged account? A little more information about my cur...
by 2stepsbehind
Tue Apr 08, 2014 12:22 am
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o investing inheritance
Replies: 15
Views: 2077

Re: 24 y/o investing inheritance

OP--sorry for your loss. To echo what livesoft said, in order to contribute to a roth, you must have earned income, generally of the w-2 variety. Often graduate stipends/scholarships do not count (you will instead receive a 1099 misc). It is not clear from your opening post whether you are working n...
by 2stepsbehind
Mon Apr 07, 2014 8:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o investing inheritance
Replies: 15
Views: 2077

Re: BH Vacations

I really want to go on a vacation, but I want people to go with me. Contiki. They run group tours that only allow people ages 18-35. Most travelers are solo, but after a few days you have a great group of new friends to sightsee and party with. I've done several of these, and they're some of the be...
by 2stepsbehind
Sun Mar 30, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3476

Re: BH Vacations

How do Bogleheads go on vacation? Do you decide on a set amount and make the vacation happen around that? Do you just pick your destination, plan out expenses, save up, then go? Look for deals on Groupon or wherever else? Are you frugal on vacation or do you stop being frugal for that time and just...
by 2stepsbehind
Sun Mar 30, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3476

Re: How do I convince my 78 year old mom to go passive?

Perhaps there is an aspect of the situation that I really didn't express. My mom is a child of the Depression. For the last fifty years her single minded obsession was putting aside money for her retirement. And she was determined never to retire. But eventually her physical capabilities began to f...
by 2stepsbehind
Thu Mar 27, 2014 4:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I convince my 78 year old mom to go passive?
Replies: 28
Views: 2773

Re: Need advice -Allocation of Roth 401k distributions -Fide

I'd put a portion of your IRA in extended market to round out your portfolio. As you note, the key is getting started now rather than continue to engage in analysis paralysis. Maybe a few years down the line when you've built a 20k+ portfolio something more complicated will be appropriate--hopefull...
by 2stepsbehind
Wed Mar 26, 2014 11:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice -Allocation of Roth 401k distributions -Fidelity
Replies: 11
Views: 891

Re: Need advice -Allocation of Roth 401k distributions -Fide

Wow, that's a long list of bad 401(k) options. Those Fidelity Advisor funds have 5.75% load fees and high annual expense ratios. Stay clear of that. I see only a few acceptable options: Nuveen Equity Index Fund Class A (FAEIX) (0.62%) BlackRock International Index Fund Investor A Shares (MDIIX) (0....
by 2stepsbehind
Wed Mar 26, 2014 8:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Need advice -Allocation of Roth 401k distributions -Fidelity
Replies: 11
Views: 891

Re: best cash back credit card

A few months ago, I decided to start taking advantage of some of these cards since I predict more travel in my future. I applied for 4 cards all on the same day and was approved for all. I've now used them for all the bonuses and awards I expect to get. How long should I wait before applying for an...
by 2stepsbehind
Tue Mar 25, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: best cash back credit card
Replies: 185
Views: 26150

Re: How to help my son with law school loans?

[OT comments removed by admin LadyGeek] [Response to OT comments removed by admin LadyGeek] We have worked hard and saved and have earned every dollar we have. We have three highly demanding jobs between the two of us. I work two jobs, have upteen thousands of dollars invested in my professional ed...
by 2stepsbehind
Sun Mar 23, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to help my son with law school loans?
Replies: 58
Views: 2841

Re: Convince me to get a credit card

I haven't in the past and don't foresee in the future the benefits of getting a credit card. Since I was a kid, I've only heard horror stories that come as a result of them. Would it be financially necessary for me to start using one? Apologies if this has been brought up before. No, it isn't neces...
by 2stepsbehind
Sun Mar 23, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 11785

Re: Job Offer Negotiation / Interview Snafu

What I may do, is see if I can get a good offer from MegaCorp II and then use that to see if MegaCorp will re-evaluate their offer for me. Good problems to have but the whole process gets exhausting. As the hiring manager, if I got wind of this, or suspected it, you can bet you would never be hired...
by 2stepsbehind
Sun Mar 23, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job Offer Negotiation / Interview Snafu
Replies: 177
Views: 30866

Re: Acquiring Debt - Marriage

Am I on the right path? I hate to say it, but this person does not sound like a financial equal. She's got half the salary, and lots of debt. Best of luck. Because she had the temerity to pursue higher education and took a loan for what looks to be a reasonable car? Seems a little judgmental. Not e...
by 2stepsbehind
Wed Mar 19, 2014 3:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Acquiring Debt - Marriage
Replies: 28
Views: 2832

Re: Online Wills

Personally, I would use a lawyer. If it is a simple will, it should not cost much. If it is a complex will, you need a lawyer. Remember, if it turns out that there is a problem with a will, it is too late to fix it. Jeff Don't forget the OP is 62, married with two kids and heretofore has not felt t...
by 2stepsbehind
Mon Mar 17, 2014 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Wills
Replies: 27
Views: 2599

Re: How do I convince my 78 year old mom to go passive?

Why do you need to "maximize" her returns? She's 78 with over a million dollars. The chances that she outlives the money are probably slim. If she feels comfortable with the current setup, I'd leave her be. You haven't mentioned this guy putting her into any inappropriate investments/doing...
by 2stepsbehind
Sun Mar 16, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I convince my 78 year old mom to go passive?
Replies: 28
Views: 2773

Re: Was frugality a mistake? The downsides of saving too mu

A potential partner might well be looking for someone who can signal that they're not destitute, but that's far from flaunting money. I think this is the ironic ugly underbelly of saving and investing. If you've driving a 10 year old car, you will be passed over for someone with much less money (b/...
by 2stepsbehind
Sat Mar 15, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 9729

Re: How did you decide how much to save?

My decision process is very un-bogleheadish, but maybe a different POV may be useful. I'm tenured faculty at a private university with an 11-figure endowment. My colleagues usually retire in their early- to mid-seventies (or not at all). If I followed this path, SS and pension alone would provide a...
by 2stepsbehind
Sat Mar 15, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9742

Re: Should you discuss your wages with your peers?

The pros: none. The cons: losing your job. The pros: knowing whether you are undervalued and/or being discriminated against (see Lilly Ledbetter),knowing what wiggle room there is in suggesting or negotiating salary/bonus/perks The cons: knowing that you are undervalued and/or being discriminated a...
by 2stepsbehind
Sat Mar 15, 2014 4:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Should you discuss your wages with your peers?
Replies: 82
Views: 6838

Re: Maximizing bonus on new credit card offers

As far as churning the BCP, alternating between husband and wife applying for it, I'm afraid you'll soon be out of luck. American Express is, as of May 1, changing their policy to only allow one sign-up bonus per card, period. Previously, as far as AmEx is concerned, you could get the sign-up bonus...
by 2stepsbehind
Sat Mar 15, 2014 4:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Maximizing bonus on new credit card offers
Replies: 25
Views: 1557

Re: how to deal with an inheritance

Except as otherwise provided in this section, the basis of property in the hands of a person acquiring the property from a decedent or to whom the property passed from a decedent shall, if not sold, exchanged, or otherwise disposed of before the decedent’s death by such person, be— (1) the fair mar...
by 2stepsbehind
Fri Mar 14, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to deal with an inheritance
Replies: 13
Views: 1961

Re: Joint or Separate Accounts? - Married Couples

Frankly I'm shocked how many of y'all have separate accounts. To each their own I guess. IMO if you are concerned about comingling money I would see that as a huge red flag. I now make all the income for our family. I think it would be ABSURD if I had the expectation my wife should have to come to ...
by 2stepsbehind
Wed Mar 12, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 3765

Re: Best rewards/travel credit card

I didn't want to get too many cards with annual fees tied to them. I always thought canceling a credit card could lower your credit. Canceling a card by itself doesn't do anything to your credit score it only lowers your credit score to the extent you have balances on your other cards because your ...
by 2stepsbehind
Wed Mar 12, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2132

Re: Best rewards/travel credit card

Why limit yourself to one? I'd get both the sapphire preferred and arrival because they both have good sign on bonuses (40k). I'd hold off on venture because the current bonus is modest and they occasionally have monster deals (50k, 100k sign on bonuses). The relative utility of travel cards lies in...
by 2stepsbehind
Wed Mar 12, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2132

Re: The Estate lawyer cost us big

I'd suggest you find the accounting you were provided, redact any personally identifying information and upload it somewhere and link it to this thread and some of the lawyers can take a look and see if it seems reasonable.
by 2stepsbehind
Mon Feb 24, 2014 7:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 9182

Re: Getting Married - Checklist? And Questions

If he were to die today, the law is pretty clear what would happen to his estate. Check out the intestacy rules for your state (chances are all the money would go to his children). If I were him, I'd insist on a prenup and I would organize my final affairs to clearly define what monies/properties ar...
by 2stepsbehind
Fri Feb 21, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Married - Checklist? And Questions
Replies: 21
Views: 1709

Re: How to invest $1.4 mil inheritance?

A buck isn't always a buck. Commingling the funds could expose the money to lawsuits against the hubby for example. And it will be accounted for differently in divorce cases. But yeah most of the difference is purely mental and it can drive you crazy. IN another month or so I will hear a lot about ...
by 2stepsbehind
Fri Feb 21, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7836

Re: How to invest $1.4 mil inheritance?

A buck isn't always a buck. Commingling the funds could expose the money to lawsuits against the hubby for example. And it will be accounted for differently in divorce cases. But yeah most of the difference is purely mental and it can drive you crazy. IN another month or so I will hear a lot about ...
by 2stepsbehind
Wed Feb 19, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7836

Re: Skip IRA for 1 year to buy engagement ring

OP, which fits your relationship more: a. Every holiday and birthday you exchange gifts. b. Every holiday and birthday you exchange cards and have a romantic candlelight dinner. If "a', you're already trapped inside the Consumerist Cycle and it will be harder to break. She may be expecting a r...
by 2stepsbehind
Wed Feb 19, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13009

Re: How to invest $1.4 mil inheritance?

With all due respect, and I would be saying this OP if it were you who inherited the money... Your wife should be asking the question or if you must, it should be asking the question for her... She should keep this in her name only and it should have no association with you. This will shield it fro...
by 2stepsbehind
Mon Feb 17, 2014 3:43 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7836

Re: How to invest $1.4 mil inheritance?

With all due respect, and I would be saying this OP if it were you who inherited the money... Your wife should be asking the question or if you must, it should be asking the question for her... She should keep this in her name only and it should have no association with you. This will shield it fro...
by 2stepsbehind
Sun Feb 16, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1.4 mil inheritance?
Replies: 74
Views: 7836

Re: Help! Young, too much money, and seriously lost...

Fidelity you can take advantage of the mileage promotion every year and there are no transfer fees for him to keep the money for 9 months per the promotional terms, move the money somewhere else and then transfer the money back again to get a new bonus.
by 2stepsbehind
Sat Feb 15, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help! Young, too much money, and seriously lost...
Replies: 22
Views: 3069
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