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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: 15
Views: 1517

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: 2169

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: 891

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: 2320

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: 2320

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: 2320

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: 10927

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: 2561

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: 0
Views: 274

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: 613

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: 3136

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: 2870

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: 2870

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: 1210

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: 1106

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: 1106

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: 1106

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: 1106

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: 1106

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: 2538

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: 824

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: 2538

Re: Should I sell from taxable to help with house down payme

Just sounds like a little buyer's remorse showing up before the buy. It can be quite nerve wracking parting with a bunch of cash and taking on a debt like that. Don't worry, it passes. What was the savings account for... down payment on a home? Then good job, go forth and buy a home! :) Looks like ...
by WHL
Sat Jun 21, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell from taxable to help with house down payment?
Replies: 5
Views: 375

Reasons to go with a local vs national mortgage lender?

The real estate agent told me that the local lender has knowledge of the local market and requirements and could potentially save me money by not requiring certain things that aren't necessary per my local government that the national lender may not know about. Obviously, the appeal to a huge nation...
by WHL
Sat Jun 21, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1106

Re: Should I sell from taxable to help with house down payme

What is the cash flow, now and then? How fast are you building your taxable account, now and then? Your rent is $1200 and your mortgage is $1200 but the roommate will be paying $600 is one story. Your rent is $500 and your mortgage is $2000 but the roommate will be paying $600 is another. Do you ha...
by WHL
Sat Jun 21, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell from taxable to help with house down payment?
Replies: 5
Views: 375

Should I sell from taxable to help with house down payment?

Question & Information: I'm planning on purchasing a house in the $140-170k range in the next month (loan application has been submitted). I have roughly 50k cash in savings - 30k is in my normal savings account, 20k is in my "new vehicle fund" savings account. I also have $26k in my ...
by WHL
Sat Jun 21, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell from taxable to help with house down payment?
Replies: 5
Views: 375

Re: Next steps after 401k/Roth IRA max

If you have a HSA I'd recommend you max that next. It's essentially an IRA that never gets taxed if you spend on medical expenses. From there, I'd recommend a combination of 529 and increasing after tax 401k contributions. Many here will tell you to go all in on the 401k after tax, but in my view y...
by WHL
Tue Jun 17, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Next steps after 401k/Roth IRA max
Replies: 7
Views: 846

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

UPDATE!!! "...in the auto world you do not ever change oil without changing the filter..." I don't know anything about Porsches, but with the various Honda's I have owned (Pilot, Civic Si, CRV, Shadow Spirit motorcycle) and with my Raider S motorcycle, the owner's manuals all say to chang...
by WHL
Sun Jun 15, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6654

Re: Geico? No, thank you...

lol. I just decided to run a check through Geico. Their rate of $201 / 6 months was less than the $298 / 6 months Progressive had been giving me, so I JUST switched.

Thanks for the motovation :)
by WHL
Sat Jun 14, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5518

Re: Geico? No, thank you...

Not their fault you didn't provide completely accurate information. I'd hardly call it a bait and switch.
by WHL
Sat Jun 14, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5518

Re: Budget for charitable giving

My budgeted amount for charity donation is $0.00. I somewhat recently donated $20 to an small, unaffiliated wildlife center that takes in rescued animals. If I find the right organization, I have no problem giving a few dollars. I hope that $0.00 policy is because you have no money. Not that I wish...
by WHL
Sun Jun 08, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 2645

Re: Purchasing property for student

Do you have other kids coming up that could use the property? Does your kid have friends that could guarantee that the house would be "fully occupied" to recoup as much of your money as possible? Besides those two questions, there are many many things that would factor in to this - locatio...
by WHL
Thu Jun 05, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing property for student
Replies: 13
Views: 1137

Re: Silly to trade in new car for used?

Keep it, make sacrifices somewhere else in your budget, and pay off all of the debt. Learn how to do the maintenance on the car yourself and be proactive with it. Drive the car until its ~20 years old. Don't shoot yourself in the foot now by getting rid of a good, reliable car and taking it in the w...
by WHL
Thu Jun 05, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Silly to trade in new car for used?
Replies: 18
Views: 1341

Re: Retirement vs. Non-retirement stash

25k in a taxable Vanguard account

250k between my Roth / tIRA / 401k accounts

50k in savings that I don't consider

20k in i-bonds and other "investments" that I don't often consider

so, I'm comfortable saying 1:10 :)
by WHL
Thu Jun 05, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement vs. Non-retirement stash
Replies: 37
Views: 2325

Re: Bad Advice from Schwab re "Mega Backdoor Roth IRA?"

My company doesn't allow for after-tax 401k contributions :( It's $17,500, either traditional or roth. Booooooo.
by WHL
Thu Jun 05, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad Advice from Schwab re "Mega Backdoor Roth IRA?"
Replies: 54
Views: 5487

Re: What would you do with gold coins?

Nobody's mentioned risk: risk the coins will be stolen. The transaction and holding costs of physical gold are huge. So if you like gold as 'money', get GLD (the gold trust), not actual coins. If you like gold because it's shiny, thnk twice about where you keep them. No. Just, NO. Anyone who is int...
by WHL
Thu Jun 05, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with gold coins?
Replies: 25
Views: 1604

Re: Do Bogleheads Offer to Pay Cash for Services?

Actually it is. When you pay a contractor (or a supplier who delivered materials to your site) in cash, with no receipt and no lien release, you are wide open for them to file a workmen's lien and you have no way to get it removed. I assume the "cash discount" will disappear if the record...
by WHL
Sun Jun 01, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1971

Re: Worst "Large purchase" ever?

in 2000 I bought a 1997 Nissan Maxima GXE with an automatic transmission. I was 19 and had done a lot of research on what I wanted. I was really into the import car scene but didn't want Honda or Acura like everyone else. I bought, modified, and ran the hell out of that car for less than a year unti...
by WHL
Sun Jun 01, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11899

Re: What's the latest in credit card offers?

pablolo wrote:chase has a limited time offer $200 back no annual fee if spend $500 in 3 months.


It gives 20,000 Chase UR points which IIRC isn't a new offer. Not bad, however. I already have around 400k in UR points...
by WHL
Sun Jun 01, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1297

Re: Budget for charitable giving

My budgeted amount for charity donation is $0.00.

I somewhat recently donated $20 to an small, unaffiliated wildlife center that takes in rescued animals. If I find the right organization, I have no problem giving a few dollars.
by WHL
Sun Jun 01, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 2645

Re: Do Bogleheads Offer to Pay Cash for Services?

Oh, and just to provide an example: My former dentist offered a 10% discount for cash payments. It was well worth it for them to avoid the hassle of going through insurance.

I never took them up on the offer.
by WHL
Sun Jun 01, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1971

Re: Do Bogleheads Offer to Pay Cash for Services?

I always ask if there is a price discount for paying cash vs. credit card. If there isn't, or the discount is minimal (~3%), I pay by CC. I also never pay with cash if there is a chance, however unlikely, that I may need to return the item, have service work performed, or dispute the charges. An ind...
by WHL
Sun Jun 01, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1971

What's the latest in credit card offers?

It's been a few months since my latest round of credit card signups, and I need a few more to add to the pile. Current holdings: Amex hhonors surpass (annual fee, will be cancelled before 1 year mark) citi hhonors (no fee, will be kept indefinitely) citi AA personal (annual fee, will be cancelled be...
by WHL
Sun Jun 01, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1297

Re: Question for renters that are happily renting..

I'd just point out that since landlords aren't running charities, there's going to be an additional cost of having all that stuff taken care of for you if you rent. Most folks have ties to their communities (family, friends, job, etc), so probably aren't going to be interested in drifting around th...
by WHL
Sat May 24, 2014 2:57 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 7218

Re: Passbook Accounts - Poll

A passbook to me is an app on my iPhone that holds some documents such as my starbucks card, airline boarding passes, etc. It works very well :)
by WHL
Sun May 11, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Passbook Accounts - Poll
Replies: 29
Views: 1656

Re: Investing in Gold/Silver Coins

I have physical silver. It's speculation, not investment in my case. I think over the long term stocks will vastly outperform metals. If you want gold or silver, I'd suggest you stay away from numismatics, do your homework on all purchases, and use a website such as http://www.comparesilverprices.co...
by WHL
Sun May 11, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Gold/Silver Coins
Replies: 37
Views: 2630

Re: Selling gold jewelry

If you really don't need the money, I wouldn't sell it right now. Do some market timing and wait for gold to bounce up a DFW hundred bucks :) My parents have quite a bit of stuff they never wear and we took it to a coin / jewelry dealer in town. His offer wasn't bad, but it wasn't good, either. I to...
by WHL
Thu May 01, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 15
Views: 1322

Re: Cost to change struts in lexus

You should really take the time to do it yourself. :) Struts are a little more complex than shocks because of the necessity to compress the springs, but it's still extremely easy. Look on http://www.rockauto.com for the parts you need. They also sell tools, and a usable set of spring compressors sho...
by WHL
Thu May 01, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Cost to change struts in lexus
Replies: 12
Views: 2171

Re: POLL: why carry cash?

I find myself frustrated waiting for the ones in front of me to dig pennies out of their pocket or purse, trying to find the exact change. . . . I can't say that my observations have concluded this, but I just don't understand why anyone wants to stand in line longer than they need to and walk away...
by WHL
Sun Apr 20, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13774

Re: Can you please convince me to get a credit card?

I have roughly 800k frequent flyer points / miles across a few different programs. The vast majority of these have come from credit card usage and sign up bonuses. You're free to value these points as you wish, but at the typically agreed upon rate of $0.01 / point, I'm sitting on roughly 8k in &quo...
by WHL
Fri Apr 18, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 17150
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