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Re: WSJ discount?

letsgobobby wrote:https://magsformiles.com/


Holy crap, that seems too good to be true. 6k miles for four awesome magazine subscriptions...
by WHL
Wed Oct 29, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: WSJ discount?
Replies: 13
Views: 1148

Re: canceled flight on AA: premium seat fee not refunded

Before i had elite status on AA, I ate plenty of seat upgrade fees changing my work flights (i paid for the upgrade myself, couldn't justify making work pay for it). Basically, at 6'8", if i can't book bulkhead or exit row, I don't take the flight. Now that I have status i don't have to worry a...
by WHL
Wed Oct 29, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2225

Re: Vehicle Loan Pay Off

72 month auto loan :oops:

Max the Roth and pay off the loan ASAP. Don't go into car loan debt again.
by WHL
Wed Oct 29, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Loan Pay Off
Replies: 8
Views: 536

Re: Help with Investing for my wife's retirement

.18 is nothing. Use the life cycle fund and keep it simple.
by WHL
Wed Oct 29, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for my wife's retirement
Replies: 11
Views: 780

Re: Reporter doing story on PIMCO in 401k

My company's 401k is managed by Vanguard, and I used Vanguard's Total Bond Fund as my base bond fund for many years. About five years ago, the company dropped Total Bond Fund and switched the only option to Pimco Total Return. It also dropped the Stable Value Fund. I didn't like it, but I kept the ...
by WHL
Wed Oct 22, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 8
Views: 1132

Re: Seeking Retirement Portfolio Advice

Change the 401k to the S&P fund

Direct taxable funds to a vanguard international such as vtiax; remainder in TSM.

Bonds and TSM in your Roth IRA until you hit your desired allocation.
by WHL
Wed Oct 22, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Retirement Portfolio Advice
Replies: 4
Views: 571

Re: Feeling very fortunate today!

Good luck. Well, StarbuxInvestor, good luck with your decision. You are fortunate to have a job to go to , and hopefully you have NOT told anyone at work that you were planning to pack it on December 1st. Terrible way to think, IMHO. It wasn't by luck that I learned and excelled in my past position...
by WHL
Wed Oct 22, 2014 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6188

Re: Help Change Direction - Invest or Fix Personal Finance

Hello OP! Congrats on starting to get your financial house in order. 40 is definitely not too late; in just a few short years from now you will be amazed at how much progress you've made. To answer your questions: I don't think you should cash out your old 401k nor delay investing until you have yo...
by WHL
Wed Oct 22, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1196

Re: Sharebuilder, large account bonus - Good funds to use?

I was tempted, but was ultimately too lazy. Still, Sharebuilder has great customer service, a friendly web site, low $6.95 brokerage trades. So I use them for my etf and stock purchases in taxable. And I opened a Roth IRA there this year to get the $50 bonus, which may not have been smart. Yes, I'm...
by WHL
Tue Oct 21, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1097

Re: Feeling very fortunate today!

Good luck. Well, StarbuxInvestor, good luck with your decision. You are fortunate to have a job to go to , and hopefully you have NOT told anyone at work that you were planning to pack it on December 1st. Terrible way to think, IMHO. It wasn't by luck that I learned and excelled in my past position...
by WHL
Tue Oct 21, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6188

Re: What is the best way to sell guns and get the best price

Be very careful to comply with all local, state, and federal firearm transfer laws. Be especially careful when transferring across a state line. Consult a licensed firearms broker or local law enforcement to make sure you're doing things properly. I should have added that I own no handguns. Let's s...
by WHL
Tue Oct 21, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1107

Re: You may be getting charged rent for a router/modem you o

Wow, I feel your pain. Here in Central Texas we have a pretty small local provider called Grande Communications. About 5 years ago they came through and pulled fiber in my neighborhood and started to offer phone/internet/cable and the price was good enough that I dropped DirectTV and ATT and went w...
by WHL
Tue Oct 21, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3573

Re: Sharebuilder, large account bonus - Good funds to use?

I have an old Sharebuilder account that I am slowly getting out of for this reason. What is the minimum you need to transfer to get the bonus? $600 is a decent chunk of change, but then you have to factor in the pain to transfer in and out, and potentially 6 months of no earnings. That information ...
by WHL
Tue Oct 21, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1097

Re: What is the best way to sell guns and get the best price

Find a local forum like this: http://texasguntrader.com/ Put your items on an auction site like this: http://www.gunbroker.com/ Gun shows will work. You don't need to buy a table to sell your items, just walk in with it over your shoulder and have a sign on you, or approach people who have tables, a...
by WHL
Tue Oct 21, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1107

Re: How do you wash your car?

I rarely wash my truck. It's a 2005, I use it for work and personal, drive it down rough oil field roads, etc. I keep the body in good shape. I've washed the truck by hand maybe 10 times in the 9 years I've owned it. A few months ago I did it pretty thoroughly for the first time ever. Wash with dish...
by WHL
Tue Oct 21, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6841

Re: Electricity Adaptor for Europe

If you want to get technical, Germany runs 230v, not 220. I use a cheap adapter I purchased on Amazon to plug in my laptop. From my laptop, I charge my iPhone, digital camera, and my iPhone battery case. I recently bought an iPad and it will not charge through the laptop's USB port; it requires more...
by WHL
Tue Oct 21, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Electricity Adaptor for Europe
Replies: 10
Views: 641

Re: Sharebuilder, large account bonus - Good funds to use?

johnubc wrote:Most of the major brokers offer similar offerings throughout the year.

Vanguard does not play the same game of buying customers.


Okay?
by WHL
Tue Oct 21, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1097

Sharebuilder, large account bonus - Good funds to use?

I realize there have been a few threads about account transfer / rollover bonus offers, and this is yet another. When I logged into my Capital One 360 account today (savings only), I saw the following teaser for retirement account bonuses: ShareBuilder: Move your funds to a ShareBuilder IRA. Get up ...
by WHL
Tue Oct 21, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Sharebuilder, large account bonus - Good funds to use?
Replies: 29
Views: 1097

Re: Debit Card was hacked. Should I just use cash from now

The only, and I mean ONLY time my debit card gets used is at the ATM. Use a credit card for everything else possible. Cash as minimally as possible, typically only for tolls. I rarely carry more than 20 bucks in my wallet, though i do have a folded up $100 bill in my wallet for extreme emergencies.
by WHL
Sun Oct 19, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 54
Views: 3378

Re: Airline carry on limits

The airlines don't stop anyone from bringing any size baggage on. It's ridiculous and causes significant delays in boarding and offloading. So, my point is, you won't have any issue bringing it on. I tend to agree. I have flown a couple times in the last three months. I sometimes wonder if the whol...
by WHL
Fri Oct 17, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3054

Re: Airline carry on limits

The airlines don't stop anyone from bringing any size baggage on. It's ridiculous and causes significant delays in boarding and offloading. So, my point is, you won't have any issue bringing it on. I tend to agree. I have flown a couple times in the last three months. I sometimes wonder if the whol...
by WHL
Fri Oct 17, 2014 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3054

Re: How much capacity for a new tablet?

I bought a new iPad mini retina a couple of months ago, 16gb, with t-mobile data connectivity. The mini is a good size. I was also interested in the air, but after holding both, found it to be too similar to my laptop. I didn't want another laptop. 16gb is way more than I need. Music and podcasts go...
by WHL
Fri Oct 17, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: How much capacity for a new tablet?
Replies: 8
Views: 729

Re: Airline carry on limits

The airlines don't stop anyone from bringing any size baggage on. It's ridiculous and causes significant delays in boarding and offloading.

So, my point is, you won't have any issue bringing it on.
by WHL
Tue Oct 14, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 3054

Re: Relocating to a tax free state with good weather need ad

Hayden wrote:You'll find lower costs in the Eastern part of Washington, e.g., Spokane and Tri-Cities.


But then he wouldn't get the good weather that he's looking for. Eastern WA may not be humid but it is quite hot in the summer and ridiculously cold during the winter.
by WHL
Sat Oct 11, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3624

Re: 0% Furniture Credit

Make sure you set up automatic payments, those things usually spike hard if you're late by 3 seconds...
by WHL
Tue Oct 07, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: 0% Furniture Credit
Replies: 29
Views: 1316

Re: Too much tax deferred space???

I have no idea what all of those alphabet accounts are but I max my t401k, rIRA, and single HSA. I also buy some series I savings bonds every year, but I'd rather invest in my taxable account before going crazy with the EE or I bonds.
by WHL
Tue Oct 07, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Too much tax deferred space???
Replies: 4
Views: 832

Re: iPad Air & cellular

I'm currently going through this issue right now. I bought an iPad mini retina through tmobile and they are trying to tell me that the 200mb free for life is only available to customers with an existing voice line, when their website clearly indicates this is not true. I have spent no less than four...
by WHL
Sat Oct 04, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air & cellular
Replies: 10
Views: 937

Re: Saving for Vehicle Replacement

I get a 750/month vehicle allowance from work and have been saving the entire amount for two years. Eventually, I'll have enough to pay cash for a new truck, but if good financing deals are available, I can't say I would pass them up...
by WHL
Sat Oct 04, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Saving for Vehicle Replacement
Replies: 24
Views: 1520

Re: Fidelity Offers A Round-Trip to Europe for New Account

I've also heard stories of Citi sending tax forms for some of their credit card bonus offers. It didn't happen to me with my two citi AA credit card sign up bonuses, however.
by WHL
Sat Oct 04, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3088

Re: Fidelity Offers A Round-Trip to Europe for New Account

I've looked into this as well as other savings account offers that American Airlines puts out with an offer of bonus miles. I like having all of my investments with vanguard and since this has to be a taxable account, in nine months I'd probsbly have to pay capital gains taxes :oops: Most offers to...
by WHL
Sat Oct 04, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3088

Re: Road trip to Chicago with kids- what to do/recommendatio

Italian beef sandwich. Find a local joint if you can - if not, portillos is good enough.
by WHL
Sat Oct 04, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 2603

Re: Maxing your IRA or 401k at the beginning of the year?

HSA and rIRA - first of the year
401k - evenly throughout the year to get full company match
Taxable investing - end of the year when I can get a full look to see the current finances.
by WHL
Thu Oct 02, 2014 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxing your IRA or 401k at the beginning of the year?
Replies: 14
Views: 1123

Re: Best place to park my emergency funds

Do you max your Roth IRA? If not, start doing that, and count it as your EF. Just keep the funds safe, not invested in the risky market, until you have enough built up to start exposing some of it to risk.
by WHL
Thu Oct 02, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best place to park my emergency funds
Replies: 16
Views: 1898

Re: Fidelity Offers A Round-Trip to Europe for New Account

I've looked into this as well as other savings account offers that American Airlines puts out with an offer of bonus miles. I like having all of my investments with vanguard and since this has to be a taxable account, in nine months I'd probsbly have to pay capital gains taxes :oops:
by WHL
Thu Oct 02, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Offers A Round-Trip to Europe for New Account
Replies: 26
Views: 3088

Re: Maxing your IRA or 401k at the beginning of the year?

If my company did a catch up contribution for the company match, I would absolutely front load my 401k contributions...they don't, so i dont. My rIRA gets chunked in on the first possible day of the year, usually around January 4th.
by WHL
Tue Sep 30, 2014 2:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxing your IRA or 401k at the beginning of the year?
Replies: 14
Views: 1123

Re: What is your rebalancing policy?

I don't have a written IPS. I rebalance in early January while I'm waiting for my annual Roth IRA contribution to make its way to Vanguard. I try to do it with my IRA contribution and by adjusting my 401k contributions. 2014 was the first year i had to actually make changes in my tIRA to compensate ...
by WHL
Mon Sep 29, 2014 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your rebalancing policy?
Replies: 63
Views: 5953

Re: How Long Should I Keep My Car?

I have a 2000 Nissan Quest with only 95K miles (original owner). I am thinking to drive it for 5 more years. I think I just have it "over-repaired", unnecessarily have the brakes, brake fluid, and brake disks replaced, costed me $970. (Sometimes I felt difficult to reject the mechanics' o...
by WHL
Mon Sep 29, 2014 2:32 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4108

Re: POLL: Would you rather work half as long or half as ofte

Did not expect to see those poll results. That's an easy question for me - I'd prefer to keep going HAM right now while I'm young and capable and quit early. Damn it would be nice to be done in 14 years!
by WHL
Mon Sep 29, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4155

Re: How can I stop feeling depressed about my finances?

I make more than two times your salary and still have the same feelings you do. It's easy to say from my side of the fence, but money isn't everything, and it could all be taken away from me at any time. Focus on getting your career going. Even if it isn't directly related to your education, you hav...
by WHL
Mon Sep 29, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 14097

Re: How much excess 401k contribution is reportable to the I

Tx for the replies. LadyGeek, I'm don't even understand why you are throwing out the dishonesty card when I was seriously just bringing up something (the $10 point) that I thought was the way to handle it. Now I see that even if you don't receive a 1099, you are still responsible for reporting the ...
by WHL
Mon Sep 29, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How much excess 401k contribution is reportable to the IRS
Replies: 8
Views: 729

Re: How Long Should I Keep My Car?

My 2005 truck has 170k miles on it and has given me very few issues. Last issue that stopped me from driving was in 2008 :happy Park - Just curious. What would happen if you broke your leg one day at home and could not go to work the next day? What is so unique about your work? :?: Still waiting to ...
by WHL
Sun Sep 28, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4108

Re: Too many houses?

I wouldn't sell any of them. You seem to be doing well, making positive cash flow off of the two rentals, and enjoying the vacation house when possible.

You don't give much of a picture of your overall financial situation, so as long as everything else is doing alright, I'd keep on trucking.
by WHL
Sun Sep 28, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many houses?
Replies: 23
Views: 3735

Re: Almost 2 year checkup + 401k ?

Excellent job overall. My only real question is regarding the 401k. My company offers a Roth 401k option. Without my 17.5k t401k contribution, I would be in the 28% federal bracket. Is it worth paying the higher tax rate to switch to the Roth 401k option? Stick with the traditional 401k. "The ...
by WHL
Sun Sep 28, 2014 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 990

Re: Almost 2 year checkup + 401k ?

My only real question is regarding the 401k. My company offers a Roth 401k option. Without my 17.5k t401k contribution, I would be in the 28% federal bracket. Is it worth paying the higher tax rate to switch to the Roth 401k option? I would be making Traditional 401(k) contributions for sure so lon...
by WHL
Sun Sep 28, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 990

Re: Credit Card Rewards for Student

Just make sure you pay them off completely at the end of each month. You should find an hour or two a week to look into current credit card sign up offers. The amount available out there is definitely worth your time. Figure out what airline you prefer to fly, and get a card for each of you. Then mo...
by WHL
Wed Sep 24, 2014 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards for Student
Replies: 7
Views: 359

Re: Am I being scammed? Wolf range hood, defective delivery

If you paid for it with a credit card than dispute the charge immediately. That really get's people's attention. Take lots of pictures too. Absolutely do not do this, TS. A dispute is a serious matter and if you want to have any chance of resolving this amicably with the store, you need to stay som...
by WHL
Sat Sep 20, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Am I being scammed? Wolf range hood, defective delivery
Replies: 16
Views: 1884

Re: Repair/maintain the BMW or get a new car?

I'll mention it regardless of your perception of not being a DIY'er - you should learn how to do these basic maintenances yourself. Oil, brakes, transmission fluid, etc. are not complicated repairs. A 20 dollar Haynes or chiltons manual and an hour watching videos on YouTube is really all of the pre...
by WHL
Wed Sep 17, 2014 3:21 am
 
Forum: Personal Consumer Issues
Topic: Repair/maintain the BMW or get a new car?
Replies: 24
Views: 2224

Re: advice on my credit card strategy ?

Chase partners with Korean air, which is an alliance partner with delta, so you can still take rewards flight on delta. Not the most convenient, but it's still an option. If you will use the miles from the delta Amex, get it. That's a pretty clear choice. Will the elite mileage bonus benefit you? If...
by WHL
Tue Sep 16, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: advice on my credit card strategy ?
Replies: 6
Views: 929

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

Hopefully this helps subsequent visitors to this thread. The raw, unrounded figure under the 401(k) law rose to $17,820 for 2014 [but the law requires the IRS to round down to the nearest $500, i.e. $17,500] , so it is almost assured that the 401(k) limit will increase to $18k for 2015 as it would ...
by WHL
Mon Sep 15, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4139
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