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Re: Looking to move inheritance from high-fee advisor

As has already been said, the size of the account really doesn't matter. The three fund portfolio is simple enough that you really should be able to do it yourself. Taking advantage of the account sign up bonuses isn't a bad idea, either. I would really start maximizing ALL available tax shelter typ...
by WHL
Thu Dec 18, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 2740

Re: iPad Purchase - Online vs Store

I purchased mine from a T-Mobile store. They had a promo going on a couple of months back, $100 off with any data plan. I signed up for the $10/month no contract plan and cancelled it when I got home.

Definitely look around still all of the retailers. They compete hard for your business.
by WHL
Sat Dec 13, 2014 7:37 pm
 
Forum: Personal Consumer Issues
Topic: iPad Purchase - Online vs Store
Replies: 24
Views: 1618

Re: Different Experience With TSA Pre-Check

"I just plan for the full monty every time" Yep. FWIW, the info I read on the TSA website says that Pre-check passengers should still put liquids in a plastic bag, in case pre-check in not available. Normally, they can stay in your suitcase if PreCheck is available. But anyone is subject ...
by WHL
Fri Dec 12, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 2815

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I spent about 60k last month, the majority going to my new home downpayment and related expenses. Instead of going into my emergency fund savings account, I sold 15k of VTSAX from my taxable account.
by WHL
Fri Dec 12, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 62
Views: 4617

Re: Fly or drive? Not just time vs. money anymore

I've flown 1xx,xxx miles this year and also driven 3x,xxx miles, most for work. I typically fly but if I know what my schedule is, where I'm going, duration, etc. i sometimes choose to drive. I don't do it for cost savings (couldn't care less as the company is paying for it) but instead for my perso...
by WHL
Fri Dec 05, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4580

Re: Home Improvement Discussion Board / Forum Recommendation

Give the forums on www.garagejournal.com a try. I love that place. We're anal about our Snap-On tools, however, so stay out of the tool forums unless you're okay with that :)
by WHL
Sun Nov 30, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Home Improvement Discussion Board / Forum Recommendation
Replies: 8
Views: 1214

Re: Trapped Chase Rewards Points Usable at Amazon

I had a bunch of "orphaned" points on a couple cards (not nearly enough to qualify for outright cashback) Did you know you can consolidate them to one card? If you still have an active card, you will be able to meet the minimum. I believe that's only possible if you have one of the cards ...
by WHL
Sat Nov 29, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trapped Chase Rewards Points Usable at Amazon
Replies: 4
Views: 846

Re: How to find refundable airfare or open ticket ?

I fly a lot for work and have never found a refundable ticket to be worth the price. The 200 (domestic) or 300 (international) change / cancellation fee is always more cost effective.

Sorry!
by WHL
Wed Nov 26, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 17
Views: 1476

Re: Very new to investing, questions on my portfolio

If I had debt, I would do a 401k to the match and max a Roth IRA. Anything else gets put against debt. Since you don't get a match, eliminate that, max both of your Roth IRA's and pay off the debt. Sell the taxable account. No need for that, imho, unless you're maxing all available retirement accoun...
by WHL
Wed Nov 26, 2014 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Very new to investing, questions on my portfolio
Replies: 5
Views: 919

Re: How Will Rising Interest Rates Affect Bond Funds?

Let's say you paid $100 for a ten year bond that pays 3%, I.e., $3 each year. Then you wanted to sell it. In the mean time rates have risen to 5% for this type and duration of bond. So I could take my $100 and buy a bond that gives me $5 each year for 10 years. Would I want to buy your bond for $10...
by WHL
Wed Nov 26, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Rising Interest Rates And Bond Funds?
Replies: 9
Views: 1096

Re: Mortgage vs 401K

I am brand new with making mortgage payments, but one of my caveats when looking for properties to purchase was that I would not be reducing my max contributions to 401k, rIRA, and HSA. So, I found a place i like where I am comfortable and still able to max my retirement accounts and save money. Hop...
by WHL
Tue Nov 25, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs 401K
Replies: 6
Views: 734

Re: CapitalOne360 won't give me an ATM-only card?

I never activated the ING Orange Debit card they sent me years ago. I do, however, use my Chase debit card strictly as an ATM card at Chase banks, and have had no issues. The benefit with ING (Cap1) is that you can create additional accounts. So, create a second checking account, get a debit card fo...
by WHL
Tue Nov 25, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 won't give me an ATM-only card?
Replies: 22
Views: 1872

Re: Mortgage/Ins/Taxes as a % of income

My brand new mortgage payment, with taxes, insurances, and utilities, is at 19.7% of my pre-bonus gross income. After contributing over 26k annually in retirement accounts, the mortgage seems daunting, even though it isn't on paper.
by WHL
Tue Nov 25, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Ins/Taxes as a % of income
Replies: 3
Views: 763

Re: Help with allocation after Edward Jones

Found out today after checking that my current 401k doesn't allow income rollovers. So for me to be able to take advantage of a backdoor Roth, how would I go about being able to do this without having to deal with the pro-rata rules? Pay the taxes out of pocket to convert your existing tIRA to a rI...
by WHL
Tue Nov 25, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with allocation after Edward Jones
Replies: 10
Views: 1456

Re: How to get started saving for the long run? (I'm 19)

At 19 and only working part time there are a host of other questions that need to be answered, but I'll keep it simple for now. 1. 401k to company match 2. HSA (if available) 3. Roth IRA 4. 401k to max Pretty simple and straightforward. More important than the investing, however, is your normal budg...
by WHL
Sun Nov 23, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get started saving for the long run? (I'm 19)
Replies: 1
Views: 287

Re: POLL: Do you personally own a cell phone?

Cancelled mine in June 2013, ported my number to google voice. Now, I have a fully unlimited iPhone 5 from my company, and I'm allowed to use it for personal use, so i use the GV app on it and go to town.

So much simpler than carrying two phones. No more 80/month bill, either.
by WHL
Sat Nov 22, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2940

Re: How should wife counter salary offer within current co.?

Not a lot of other advice, other than she remember that they picked her for this position so they must highly value her. I would say that this is certainly not true without knowing more background information. Did the person vacating this position leave suddenly, and TS's SO is just a quick fall ba...
by WHL
Sat Nov 22, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5606

Re: What do you splurge on?

Food. I buy what I want and i make sure I'm buying good quality stuff. Mainly produce, fresh meats from butchers, good local cheese and bread, etc. I like to cook and I don't eat out much so I'm sure it balances out somewhere.
by WHL
Sat Nov 22, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 21752

Re: best bank for online billpay

Never used a bill pay service. I have everything billed to one of my CC's then pay that off monthly.

My Capital One 360 bank account offers free mailed checks, which i utilized for my rent, which wasn't payable with a cc.
by WHL
Sat Nov 22, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 2314

Re: smartphone over wifi - still possible?

People - unless his post was worded VERY badly, the TS isn't asking about wifi calling.

TS, just buy a used iPhone and put it on whatever carrier you want. Make sure you turn off cellular data. Bingo, only voice access unless you're connected to wifi.
by WHL
Thu Nov 20, 2014 10:37 pm
 
Forum: Personal Consumer Issues
Topic: smartphone over wifi - still possible?
Replies: 31
Views: 2705

Re: Sun Country Rewards

This is 4 years old, but it looks like this airline has significantly changed their elite / rewards program. Definitely DYODD here...

http://thepointsguy.com/2010/08/program ... y-rewards/
by WHL
Thu Nov 20, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Sun Country Rewards
Replies: 3
Views: 627

Re: Sun Country Rewards

I assume you're talking about this? https://www.firstbankcard.com/suncountry/visa/ I have no experience with the airline or their program, but that seems to be a pretty decent offer. If you fly their airline enough to justify it, then by all means, try it out. I stick with AA due to their airport ne...
by WHL
Thu Nov 20, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: Sun Country Rewards
Replies: 3
Views: 627

Re: Vanguard launches new offering ... [Vanguard merchandise

Good for them if it keeps our costs down, but you wouldn't catch me using any of it. I liken this to open carry of a firearm - why would I advertise my personal situation to unknown people?
by WHL
Thu Nov 20, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 13191

Re: Tasting Room Wines

I personally wouldn't want this gift. I have a pretty large "collection" of wines that I've purchased over the last couple of years, with 90% of them coming directly from the winery, purchased during a visit and tour. Touring, tasting, and buying is something I like to do personally, not f...
by WHL
Thu Nov 20, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1475

Re: Nissan Titan 2008 - Repair Estimates

None of that is ridiculously difficult work. You should attempt to do it yourself.
by WHL
Thu Nov 20, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Nissan Titan 2008 - Repair Estimates
Replies: 8
Views: 853

Re: Tasting Room Wines

LongerPrimer wrote:Box wines are ok for home meals.
$20 wines are somewhat variable in different tastes for different folks.
$75 wines, everybody loves.


And the vast majority of people buying and consuming wine wouldn't be able to tell the difference between the three.
by WHL
Thu Nov 20, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Tasting Room Wines
Replies: 16
Views: 1475

Re: Is this a tax-deductible donation?

Hey, we live in the same town...nice :)
by WHL
Mon Nov 17, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a tax-deductible donation?
Replies: 3
Views: 679

Re: Advice Needed: Unique Situation At workplace

The last time i went to HR with an issue they forwarded my email to the manager i was making complaints about, as well as other managers in the group. Said manager approached me and accused me of playing games with him. I laughed, walked away, and as soon as my "retention bonus" was deposi...
by WHL
Mon Nov 17, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3969

Re: How often do you go out to dinner?

When traveling for work? Every night.

When home, not traveling? Never.
by WHL
Mon Nov 17, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 5633

Re: Whole Life Insurance vs. 401k Contributions

LeeMKE wrote:Shaking my head, can't believe a salesman is telling you Whole Life is a substitute for tax deferred savings.


Really?
by WHL
Sat Nov 15, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whole Life Insurance vs. 401k Contributions
Replies: 59
Views: 6226

Re: Cash In CC Points?

Transfer the points to an airline (southwest gives the best value, imho) and sell flights on Craigslist. Turning the points in for cash is such a bad value compared to the travel options. First off selling miles/tickets is always risky. OP would be best selling the UR points (not sure if that is st...
by WHL
Sat Nov 15, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash In CC Points?
Replies: 22
Views: 2712

Re: Cash In CC Points?

If transferred to the correct airline or hotel, and used on special fares, they can be worth up to 60% more. Be glad you have the type that can be transferred to an airline/hotel. My UR miles do not since I only have the Sapphire card (or some such restriction). Otherwise, off to Southwest they wou...
by WHL
Sat Nov 15, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash In CC Points?
Replies: 22
Views: 2712

Re: 30% In International Stocks?

retiredjg wrote:
WHL wrote:I run 50/25/25. I'm not smart enough to figure out what percentage of my equities are international, but I think it's 35-40%

How about 33.3%?


Sure, sounds plausible.
by WHL
Sat Nov 15, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 6500

Re: 30% In International Stocks?

I run 50/25/25. I'm not smart enough to figure out what percentage of my equities are international, but I think it's 35-40%
by WHL
Sat Nov 15, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 6500

Re: Emergency fund question. please help

Do some math on the true penalty of the early withdrawal from that CD. If it's not ridiculous, you may still come out ahead even if you have to break it.
by WHL
Sat Nov 15, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency fund question. please help
Replies: 14
Views: 1937

Re: Who is mailing Holiday Cards this year?

I send Christmas cards every year to about 30 friends and relatives. They get a kick out of it for a couple of reasons. I include pictures of all of the crazy places work sends me, and I'm a single 33 year old male. Not something most guys my age do, apparently.
by WHL
Sat Nov 15, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 3735

Re: Your car(s) are equal to how many months income

Some people buy brand new cars and keep it for more than a decade. Some keep it till car dies. Some always buy used. Some lease. Its not effective to read anything based on the pole results. IMO something like average vehicle cost/year to average gross income/month over last 10 year pole is more ef...
by WHL
Sat Nov 15, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6261

Re: Sell or repair car decision

Tough question. I do all of my vehicle maintenance myself, so if it was me, I'd be fixing it. In your situation, with a kid, I think I'd dump it and get something that isn't going to leave you stranded Question: is the exhaust smoke white in color? This is typically indicative of a head gasket issue...
by WHL
Sat Nov 15, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Sell or repair car decision
Replies: 23
Views: 2778

Re: Should I buy this car?

How would the car have "sold as a Toyota CPO a few months ago" if there has only been the original owner and the current dealer? Whatever you do, take the car to a local Toyota / Japanese specialist and have them look it over. Their story could be completely true, but I don't give car sale...
by WHL
Mon Nov 10, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy this car?
Replies: 17
Views: 2902

Re: Another Victim of Actively Managed Funds

Don't say anything to your "advisor." Just open your account at vanguard and start the transfer. You don't need his okay.
by WHL
Mon Nov 10, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Victim of Actively Managed Funds
Replies: 5
Views: 1534

Re: Retiring Parents Set in Risky Ways

This has been an ongoing topic for debate with my parents for years. Why? You've offered your advice. It's their money. They've made their decision. Why is it any of your business? First off, my parents have always been very responsible with their money and raised me in a way that made me adopt a s...
by WHL
Mon Nov 10, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring Parents Set in Risky Ways
Replies: 46
Views: 5052

Re: Cash In CC Points?

Transfer the points to an airline (southwest gives the best value, imho) and sell flights on Craigslist. Turning the points in for cash is such a bad value compared to the travel options.
by WHL
Mon Nov 10, 2014 3:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash In CC Points?
Replies: 22
Views: 2712

Re: As a matter of curiosity

and then you have me, no debt, 6 figure income, 790 credit score, who is having to put down 30% on a non-warrantable condo to even get financing :oops: What's "non-warrantable" ? If lenders don't want to take the usual risk of loaning 80% or more on it because they're afraid they can't ge...
by WHL
Sun Nov 09, 2014 3:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Fannie Mae Planning Low Down Payment Mortgages
Replies: 5
Views: 692

Re: How often do you change your car's oil?

I get oil sample analysis done after every oil change so I have a pretty good idea about what's going on inside. I'm all for doing a UOA periodically, but unless you have a reasonable suspicion that something is awry, getting one at every oil change seems excessive for a passenger vehicle. I unders...
by WHL
Sun Nov 09, 2014 3:21 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12335

Re: How do you automatically rebalance?

I don't automatically rebalance. Every year, late in December, usually on Christmas Day, I log on to all of my financial accounts, make a new spreadsheet column, and determine what balances I need in which account / fund to hit the target AA. I include the $5500 Roth IRA contribution that I make on ...
by WHL
Fri Nov 07, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you automatically rebalance?
Replies: 34
Views: 2385

Re: War on Debt

Same advise as the previous thread: Sell house. Use proceeds to pay down debt. Cut almost all discretionary spending. You don't need netflix and date nights. You do need cable internet and TV. Stop eating out. Start shopping smartly. Negotiate with your debtors for lower interest rates. etc., etc., ...
by WHL
Fri Nov 07, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 31643

Re: What do you set your thermostat to (in F)?

Heating to 294.3
Cooling to 298.7
by WHL
Fri Nov 07, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4630

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't know about you but it takes a week or two for my...
by WHL
Fri Nov 07, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12335

Re: How often do you change your car's oil?

Depending on if I have a long trip coming up or not, my oil changes range from between 9k to 12k miles. Longest interval was 12.6k miles, IIRC, which is a bit higher than I like. I get oil sample analysis done after every oil change so I have a pretty good idea about what's going on inside. My most ...
by WHL
Fri Nov 07, 2014 9:10 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12335

Re: What have you done to cut costs this year?

My costs increased this year. Moved to a higher COL area, bought a condo, etc.

I cannot cut costs anyways. I live as lean as possible, don't go clothes shopping unless necessary, don't go out to eat, don't have a fancy car or gaudy crap all over my house...
by WHL
Fri Nov 07, 2014 9:07 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12398
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