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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: 51
Views: 2873

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: 2838

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: 2838

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: 707

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: 2838

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: 3608

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: 1314

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: 827

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: 932

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: 1427

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: 3061

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: 3061

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: 2491

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: 1118

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: 1881

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: 3061

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: 1118

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: 5942

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: 4082

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: 4117

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: 13903

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: 713

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: 4082

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: 3716

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: 987

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: 987

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: 356

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: 1869

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: 2213

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: 925

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: 20
Views: 2504

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

The raw, unrounded figure under the 401(k) law rose to $17,820 for 2014, so it is almost assured that the 401(k) limit will increase to $18k for 2015 as it would only require an annual COLA increase of 1.01%. Care to elaborate on this? Perhaps you missed the "raw, unrounded" part. I didnt...
by WHL
Mon Sep 15, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 20
Views: 2504

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

The raw, unrounded figure under the 401(k) law rose to $17,820 for 2014, so it is almost assured that the 401(k) limit will increase to $18k for 2015 as it would only require an annual COLA increase of 1.01%. Care to elaborate on this? http://www.irs.gov/uac/IRS-Announces-2014-Pension-Plan-Limitati...
by WHL
Mon Sep 15, 2014 12:19 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 20
Views: 2504

Re: A 'really good book' you did NOT enjoy

The Road. Could it be any slower?

The hobbit.
by WHL
Sun Sep 14, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 226
Views: 11103

Re: Need advice on which tablet to buy

Love my iPad mini retina but it was more than double your price requirement.
by WHL
Fri Sep 12, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2655

Almost 2 year checkup + 401k ?

Emergency funds: Plenty Debt: No debt, CC's paid off monthly Tax Filing Status: Single Tax Rate: 28% federal (25% bracket with my current t401k contributions) State of Residence: WA & TX Age: 33 Desired Asset allocation: 50/25/25 (US / INT / BOND) Desired International allocation: ^ Current ret...
by WHL
Fri Sep 12, 2014 5:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 987

Re: Help: do I need to transfer out of this SVF ?

I have a novel idea... Why don't you ask the plan administrator or your MetLife representative what the ramifications really are? I don't think any of us have the documents necessary to give you cogent advice. Just for your education, I know more about my companies 401k plan than both our plan admi...
by WHL
Fri Sep 05, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: do I need to transfer out of this SVF ?
Replies: 9
Views: 637

Re: POLL: Breaking up with advisor

Doesn't apply to me, but I got all of my parents money away from Edward jones and into vanguard late last year / early this year. We're very happy with the move. It wasn't hard for me, obviously, but once I showed my mom the reasons to move and the ridiculous amount of lost money over the bull run w...
by WHL
Mon Aug 18, 2014 9:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Breaking up with advisor
Replies: 47
Views: 3270

Re: Repair or replace old Taurus?

Personally, I wouldn't fix the car at this point. I'd just let it go. However, have you looked into the possibility of just dropping another engine into it instead. Depending upon the specs of which engine you have, used 98 Vulcan engines with around 90K miles on them are around $800-$1,100 includi...
by WHL
Sat Jul 19, 2014 1:10 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2984

Re: Repair or replace old Taurus?

I wished people who stop repeating the "safety" thing like cars from 2005 are just spontanously combusting on the roads. Cars are safe. Yes, some score higher but there is nothing wrong with driving a 2000 model of most cars. You won't be suddenly ejected from the driver's seat like you w...
by WHL
Sat Jul 19, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2984

Re: Moving from Edward Jones to Vanguard

Why do you have so much in taxable? Are you maxing available retirement accounts? I'd just take the plunge and rid myself of the bad investments.
by WHL
Sat Jul 19, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 9
Views: 1217

Re: Reasons to go with a local vs national mortgage lender?

retiredjg wrote:...You will fax them information...


One quick question here...I don't fax anything. Do they require fax for some documents, or is email sufficient? I'm not going to do business with someone still prominently utilizing fax machines.
by WHL
Sat Jun 21, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1123

Re: Reasons to go with a local vs national mortgage lender?

Whatever you do, DON'T USE PENFED! I'm currently using PenFed and it is like pulling teeth. Actually, pulling teeth may be less stressful.... Duuuuuuuude, WTH? I applied with them this morning and was approved, pending verification of documents, of course. They have the best no points rate I could ...
by WHL
Sat Jun 21, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1123

Re: Reasons to go with a local vs national mortgage lender?

As with being a consumer of anything, you should do the research and challenge any suspicious or excessive line item in your loan closing documents. This is regardless of whether the lender is local or national. I also wondered how quickly your agent followed up with a list of recommended local len...
by WHL
Sat Jun 21, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1123

Re: Reasons to go with a local vs national mortgage lender?

Your real estate agent likely has local contacts they might get perks or kick backs from also. Don't forget where their interest really is. For sure - this is why I am skeptical and haven't considered using them in the past, and why I didn't use the dealerships financing when I bought my last vehic...
by WHL
Sat Jun 21, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1123

Re: Reasons to go with a local vs national mortgage lender?

My experiences are that the local lender cost me money. We used a mortgage broker after shopping around for our first loan. Later when internet loans came out, she was going to cost us a few thousand dollars more to refinance and would not budge. My advice is to shop around and don't believe what a...
by WHL
Sat Jun 21, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1123

Re: Job loss

On the way wrote:Thanks WHL,

It's what they add up to, obviously I will have to go through to look at necessities versus wants.


Your explanation / details would be helpful. One, to potentially help you, and two, to not get in the same predicament myself (if it's something avoidable!).
by WHL
Sat Jun 21, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2549

Re: Have you used Vanguard for this?

Elaborate on what you mean by "income." If you want interest and dividend payments, put your money into the typical 3-fund portfolio and don't have dividends reinvested. Boom, you just created income from your IRA. I doubt Vanguard is going to lead you to some sort of "purchase real e...
by WHL
Sat Jun 21, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you used Vanguard for this?
Replies: 3
Views: 828

Re: Job loss

I realize this isn't what your post asked, but I have a question...how do you have 65k a year in expenses with only a 137k mortgage? It would be a huge benefit if you could knock those expenses WAY down...
by WHL
Sat Jun 21, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2549
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