Search found 1049 matches

by Saving$
Tue Aug 04, 2015 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Credit Card
Replies: 9
Views: 1018

Re: Cash Back Credit Card

I agree with you - cash is king. And the card you describe is pretty good. 3% is the highest I've read about for restaurants & travel.

Sallie Mae Mastercard gives 5% on groceries, gas ($250) and Amazon ($750), 1% for everything else.
by Saving$
Mon Aug 03, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: How's this for snowballing my debt!
Replies: 32
Views: 2980

Re: How's this for snowballing my debt!

Great job. Please seriously consider fully funding a Roth IRA in 2015, and maybe even putting more in your 401k. Without knowing either the interest rate of the debt or how much per month of your cash flow you plan to put toward the debt (is it $65k/12 = $5.4k/month?) it is difficult to say definiti...
by Saving$
Thu Jul 30, 2015 7:56 pm
Forum: Personal Consumer Issues
Topic: Advice on two houses
Replies: 11
Views: 1268

Re: Advice on two houses

If it were me, I'd move half my stuff out. I think a house that is staged with a small amount of furnishings looks better than an empty house or a full house. For example, remove half the stuff from your closets to give the appearance of lots of storage space. Remove stuff that shows your personali...
by Saving$
Thu Jul 30, 2015 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 67
Views: 6554

Re: Keep paying the mortgage??

Here is the other issue: Make sure the entity that inspected your house is not also in the repair /remediation business, or closely affiliated with such a business. You want a totally independent inspector that does no referrals to any contractor who "can handle it for you." If your inspec...
by Saving$
Mon Jul 13, 2015 7:15 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 7593

Re: Suze Orman Show Summary

The bogleheads are not her intended audience. I have a distant relative who is "challenged" and gullible and a target of dishonest salespeople. There is no possible way this person would EVER comprehend 95% of what is on bogleheads.com. I tend to get too detailed, and I have a difficult ti...
by Saving$
Fri Jul 10, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Buying a House Drama
Replies: 23
Views: 2738

Re: Buying a House Drama

Jack FFR1846 wrote:They are playing games. Offer $199k and give them one hour to accept because you have found a house in better condition, in a better location on 5 acres for $180k but you like this owner so much better.


LOL! I love this.
by Saving$
Thu Jul 09, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Single K (Solo 401k) Question
Replies: 16
Views: 777

Re: Single K (Solo 401k) Question

OP - I don't know the answer to this, but for the others, since the OP is getting married in November, why can't the OP just open the solo 401k in early December? At that point there will only be owners or spouses of owners working there. OP - another option may be to lay off the fiancee and hire he...
by Saving$
Wed Jul 08, 2015 12:17 am
Forum: Personal Consumer Issues
Topic: Credit card automatically saves a receipt online
Replies: 16
Views: 1269

Re: Credit card automatically saves a receipt online

Just get another credit card that you are both on, and use that card for anything on which you are going to split expenses. Then you pay that credit card out of the joint account, or split the cost of the bill or something similar.
by Saving$
Wed Jul 01, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5624

Re: Best Cell Plan?

If you get your phone unlocked, or it is already, H2O wireless is probably the best AT&T MVNO for you. It has an unlimited talk and text plan with 500 MB of 4g data for $30/month, $27 with autopay. Cricket's plan at a similar price point is $40/month, $35 with autopay. The Cricket plan has more...
by Saving$
Tue Jun 30, 2015 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Inspection Question
Replies: 18
Views: 2180

Re: Real Estate Inspection Question

Your gut is correct. They are trying to get what they can.
by Saving$
Tue Jun 30, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5624

Best Cell Plan?

For over 10 years TMobile had the best combination of cost and coverage for me but recently their coverage at my home (in a medium density urban area) has gotten terrible. They tried to alleviate it by providing me a free router over which calls are routed, but when the internet goes out I then have...
by Saving$
Sat Jun 27, 2015 8:28 pm
Forum: Investing - Theory, News & General
Topic: When saving money becomes an irrational obsession
Replies: 146
Views: 24534

Re: When saving money becomes an irrational obsession

Talking about when saving money becomes an irrational obsession, I had an uncle who was extremely frugal. One time when he was on vacation, he saw an ad for an extremely low room rate. When he got to the hotel, he was told that the low rate only applied to people who called in and made a reservatio...
by Saving$
Thu Jun 25, 2015 8:21 am
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6774

Re: Do I need to keep my landline number?

The most common reasons I hear for keeping a landline are: 1. Provides better 911 call location. 2. Works when the power is out. 3. Provides unlimited local calling. 4. Poor cell phone reception at home. I believe emergency response centers have gotten much better at locating 911 calls from cell ph...
by Saving$
Thu Jun 25, 2015 7:56 am
Forum: Personal Consumer Issues
Topic: Money arguments with spouse and how did you resolve
Replies: 72
Views: 8828

Re: Money arguments with spouse and how did you resolve

Agree on household expenses (what type of house to live in, yardwork/housework hired or self performed, netflix, cable, cheap or expensive groceries, etc.) Agree on min. retirement savings required of each. Agree on what constitutes household expense vs. individual expense (gifts to family for holid...
by Saving$
Thu Jun 25, 2015 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?
Replies: 36
Views: 3691

Re: Rent a studio to save money or 1-bedroom that is twice the cost but in my "dream" area?

This really depends upon factors not included in your post. 1. Are you maxing out all tax advantaged space? (401k, Roth IRA, HSA, any other savings vehicle your employer offers?) 2. What are your other monthly expenses? (student loans, car loans, etc.) or how much else are you saving each month? 3. ...
by Saving$
Thu Jun 25, 2015 7:40 am
Forum: Personal Consumer Issues
Topic: Backyard conundrum
Replies: 63
Views: 10107

Re: Backyard conundrum

OP - I get your anxiousness to fix up the yard and make is usable. I really do get it. One tenet of being a Boglehead is the ability for delayed gratification. You obviously have the ability to do that since you paid off debts and bought a house. Now you need to do that again. The deal you posted is...
by Saving$
Tue Jun 23, 2015 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3856

Re: Ask me anything - Mortgages

Correct, my friend is not looking for an FHA loan. Instead, they are looking at several condos in a certain area, and since none are not on the Fannie Mae list, my friend is being told they must pay cash. Does not seem right. I looked up the Fannie Mae list and in my state, there is not a single con...
by Saving$
Tue Jun 23, 2015 1:10 am
Forum: Personal Consumer Issues
Topic: Wedding dress in Hawaii
Replies: 16
Views: 1581

Re: Wedding dress in Hawaii

Although the setting lends itself to celebrations in which people dress more casually, I'm sure there are also black tie events in Hawaii. Why don't you ask your son what type of attire will be appropriate?
by Saving$
Tue Jun 23, 2015 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Ask me anything - Mortgages
Replies: 29
Views: 3856

Re: Ask me anything - Mortgages

Timely post - a friend trying to buy a condo just ran into a situation where the condos is not listed by Fannie Mae, and is being told the only option is to pay cash for the condo. This seems unreal to me. Friend has 20% to put down, but apparently if the condo building is not on this list, it's a n...
by Saving$
Sat Jun 20, 2015 6:03 am
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 8
Views: 1506

Re: New Garage Doors

Also look into fiberglass garage doors. These won't rot.
by Saving$
Fri Jun 19, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 80
Views: 16051

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

If the car is worth $23k and there is ~$15k left on the loan, he could sell the car now, pay off the loan, and use the proceeds to buy a cheaper car with no loan. Wipes the loan off the books, allows him to own the replacement car outright, gives him a little extra cash to work with during this leg...
by Saving$
Mon Jun 08, 2015 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: What If Creeping Dementia Impairs Your Financial Judgment?
Replies: 25
Views: 3546

Re: What If Creeping Dementia Impairs Your Financial Judgment?

...One problem is that an individual affected with dementia typically doesn't recognize it, so you can become your own worst enemy without realizing it... Another problem is that it can be a slow process and not obvious to family members , let alone the legal system when the line has been crossed. ...
by Saving$
Sun Jun 07, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 36
Views: 3435

Re: Best way to re-key locks on new house?

Always good to get the follow up so we know how it turned out. Thanks.
by Saving$
Sun Jun 07, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Man with history of bad financial decisions needs advice
Replies: 26
Views: 3449

Re: Man with history of bad financial decisions needs advice

Congrats on coming to this site. I'm going to give VERY short answers. 1. a. If you did not currently own the home in Flagstaff, would you buy one there to rent out as VBRO with a view towards using it weekends? If your answer is no, consider selling it. b. Can you sell the home in Flagstaff for mor...
by Saving$
Sun Jun 07, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6646

Re: What Percent Of Your Annual Expenses Are Property Taxes?

nolesrule wrote:Can we define annual expenses for the purpose of this discussion?

+1
by Saving$
Sun Jun 07, 2015 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6646

Re: What Percent Of Your Annual Expenses Are Property Taxes?

About 1.5%. But that is because most of my annual expenses are income tax related. If I remove all income related taxes and charitable giving from my annual expenses, then the property tax is 5.3%
by Saving$
Sat Jun 06, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: GM Friends and Family [Auto purchase discount]
Replies: 10
Views: 1137

Re: GM Friends and Family

...It's been a while since I last went through this, but I'm 98% sure that the GM Supplier price is printed right on the per vehicle invoice sheet (along with the employee price, if you qualify). You should be able to go visit a Buick dealership(s), find the exact car you want, and ask the dealer w...
by Saving$
Sat Jun 06, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance record keeping
Replies: 8
Views: 760

Re: Health insurance record keeping

Seems like a prime opportunity for a good app or software...

I think Quicken tried to incorporate health insurance tracking years ago, but I have not heard about that in years...
by Saving$
Sat Jun 06, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: GM Friends and Family [Auto purchase discount]
Replies: 10
Views: 1137

Re: GM Friends and Family

...It's been a while since I last went through this, but I'm 98% sure that the GM Supplier price is printed right on the per vehicle invoice sheet (along with the employee price, if you qualify). You should be able to go visit a Buick dealership(s), find the exact car you want, and ask the dealer w...
by Saving$
Fri Jun 05, 2015 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4591

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

I no longer have an HDHP (wish I did), but my regular plan has $4k deductible. I was recently scheduled for a procedure, and the doctors office phoned to say I must pay for the procedure at least 3 weeks prior, or they would cancel the appointment. I told them they needed to mail me an invoice stati...
by Saving$
Sun May 31, 2015 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Home and Auto Insurance Deductible
Replies: 9
Views: 952

Re: Home and Auto Insurance Deductable

On homeowner's, consider raising the deductible to the amount up to which you would not claim. If you had a $1000 deductible, and a $2000 loss, would you make a claim just to get $1000 and have that ping against your CLUE report? On car insurance, the savings are less and the chances of a loss are h...
by Saving$
Sun May 31, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 2997

Re: All-in-one Printer Recommendation

I'm firmly in the Brother product camp. I'm on my second inkjet all in one. First one lasted 10+years. I've had the current one about 2-3 years. I spend about $10 every two years on ink - so $5/year. That covers the occasional printing and the ink used up by cleaning the heads. Buy third party ink o...
by Saving$
Sun May 31, 2015 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Housing: rent or buy in Denver?
Replies: 12
Views: 1815

Re: Housing: rent or buy in Denver?

The condo is in Centennial/DTC in a development that is 21 years old. On a price-per-square-foot basis, I would own one of the most expensive units, due to its high asking price and upgrades. Overall, the unit is much nicer than most other units in the complex. None of the above three issues is ide...
by Saving$
Sun May 31, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics over income?
Replies: 23
Views: 3350

Re: Ethics over income?

Care to share with us the unethical decisions. My boss is a bigot, sexist, has bad eyesight, has bad hearing, doesn't have the ability to read an email with more than one sentence, always needs to have the last word and is a bad driver. I continue to work for him. Do we work together? I will say th...
by Saving$
Sun May 31, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Registering for warranties
Replies: 1
Views: 310

Registering for warranties

Do Bogleheads register for the warranties on products you purchase? Does it matter what the product is - ie higher value such as appliances? I have not registered in years, simply because I view it as disguised data mining/ market research. Googling indicates people are concerned you risk not being ...
by Saving$
Sun May 31, 2015 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: 80k to invest. Spoke to Fidelity
Replies: 38
Views: 4133

Re: 80k to invest. Spoke to Fidelity

You have some very good advice above, and you are wise if you heed it. I cannot emphasize how empowering it is to keep track of where every penny goes. This is something I strongly recommend for you. To put it in context, it is something many of us here do, even those with much more discretionary in...
by Saving$
Sat May 30, 2015 1:49 am
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 6754

Re: Behavioral finance and restaurants

stoptothink wrote: it takes as little as 5min to make a meal at home (and we actually prepare most of our meals for the entire week in one shot on Sunday afternoons),


Please help me learn how to do this.
by Saving$
Fri May 29, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should my wife buy her sister's share of their rental house?
Replies: 5
Views: 1016

Re: Should my wife buy her sister's share of their rental house?

The house currently produces net cash flow after expenses of $24,500 per year, of which $10,500 is depreciation expense which is tax deferred, and would be taxed at the capital gains rate if and when the house is sold (as I understand it). It is my understanding your depreciation will be taxed as r...
by Saving$
Sun May 24, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: WiFi [Thermostat] - Security Issues?
Replies: 9
Views: 1022

Re: WiFi Tstat - Security Issues?

You mentioned that you access the t-stat using a web interface. Generally, there are three different models for how this can work, and they each have different security issues. In all cases, it's assumed that you use robust passwords. It is either case 2 or case 3. How do I tell the difference? The...
by Saving$
Sat May 23, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2016 Premium Increases some 36%
Replies: 40
Views: 3170

Re: ObamaCare 2016 Premium Increases some 36%

Had a post that disappeared. Oh well. The short version is your premiums are just slightly more than the premiums (employer + employee cost) in my employer provided plan. Your deductible is much lower than mine. And my plan is not an HDHP. I wish it was because I want to put money in an HSA, but I'm...
by Saving$
Sat May 23, 2015 5:55 pm
Forum: Personal Consumer Issues
Topic: WiFi [Thermostat] - Security Issues?
Replies: 9
Views: 1022

WiFi [Thermostat] - Security Issues?

I recently purchased and installed a WiFi thermostat for my home. Because it is WiFi, it allows me to access the program from my laptop via an internet page. This is MUCH easier to program than trying to push tiny buttons on a 4 inch thermostat, and that alone is probably worth the extra $40 over a ...
by Saving$
Sun May 10, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants left and we end up with a flooded basement and no insurance coverage
Replies: 35
Views: 3898

Re: Tenants left and we end up with a flooded basement and no insurance coverage

Have your read your lease? Many leases contain a clause stating tenant is responsible for paying utilities through their lease term. Thus if tenant had unit through May, tenant is responsible for paying through May. Your property manager is responsible for making sure the tenant does this. In order ...
by Saving$
Sat May 09, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 4567

Re: Brand Loyalty

Costco - price & quality Amazon - at least I know they are a legitimate online retailer and not stealing my cc number Tide laundry detergent - because I was having skin problems with others and it stopped with the Tide, so I stopped switching. New Balance shoes - because they consistently fit an...
by Saving$
Fri May 08, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Where should I keep my EF? [Emergency Fund]
Replies: 11
Views: 1195

Re: Where should I keep my EF?

1. My debts require me to pay $400/month, but I've been paying $800/month to pay them off faster. Should I continue doing that, or should I move some of the excess $400 into my EF? Based on your response below that the interest rate on the debt is all below 5%, I would not recommend paying extra on...
by Saving$
Fri May 08, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 6014

Re: Stop contributions to retirement accts due to future RMDs

Well, it is an interesting question, and one I have been wondering about as well. I think there is probably some formula we could devise that would provide the break even point. We would have to make assumptions about average annual return and tax rates - I'd assume current rates & rules continu...
by Saving$
Fri May 08, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Family + Rental Property + Interesting Scenario
Replies: 22
Views: 2368

Re: Advice Needed: Family + Rental Property + Interesting Scenario

This should not be a financial analysis, it should be a relationship analysis. As a financial decision, it is probably not a sound financial decision. The cons probably outweigh the pros. As a relationship decision, it is definitely not a sound decision. The cons totally outweigh the pros. Based on ...
by Saving$
Thu May 07, 2015 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: transfer taxes
Replies: 7
Views: 830

Re: transfer taxes

Why don't you just help your father open an Amex savings account, and he can get the same 0.9% interest rate? Tax-wise, that is alot cleaner.
by Saving$
Thu May 07, 2015 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans by selling house
Replies: 43
Views: 3135

Re: Paying off student loans by selling house

In your situation here is what I would do.... 1. Get married 2. Move your wife into your house. 3. Working together, aggressively pay off her student loans. Don't have babies until you are done. 4. While you are working on paying off the loans spend alot of time deciding where you'd like to buy you...
by Saving$
Wed May 06, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: Investment Real Estate Tax Avoidance Strategy?
Replies: 4
Views: 398

Re: Investment Real Estate Tax Avoidance Strategy?

Would you be opposed to 1031'ing into a real estate partnership that has triple net deals? I've read that is one way to avoid the taxes and get rid of the day to day management but still stay invested in RE. These are often called 1031 syndications.
by Saving$
Wed May 06, 2015 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Budget allocation between LARGE student loan burden and Retirement_Updated details
Replies: 33
Views: 3393

Re: Budget allocation between LARGE student loan burden and Retirement_Updated details

1. Get rid of Larsen financial planner. Move the Roth IRA's and taxable fund to Vanguard now. 2. 401k for you and spouse up to the match 3. Max out Roth for you and spouse. Use the Roth as an emergency fund 4. Lower expenses and aggressively pay down the debt 5. Sell the taxable and pay cap gains no...

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