Search found 684 matches

Return to advanced search

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: 40
Views: 1635

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: 34
Views: 2499

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 Finance (Not Investing)
Topic: What do you splurge on?
Replies: 103
Views: 4936

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: 21
Views: 1059

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: 29
Views: 1936

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: 532

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: 532

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: 90
Views: 9019

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: 1386

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: 813

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: 1386

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: 653

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: 3834

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: 4537

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: 3653

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: 2470

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: 2470

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: 53
Views: 4635

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: 53
Views: 4635

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: 1807

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: 3102

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: 5987

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: 11
Views: 1215

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: 11
Views: 1424

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: 1503

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: 3925

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: 2470

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: 636

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: 10933

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: 2299

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: 25456

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: 4457

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: 10933

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: 10933

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: 12122

Re: Oil change costs--dealer vs other

I change my own oil, not to save money (you don't), but for convenience. It is just such a hassle to schedule the appointment, and then travel to the shop and hang around while they do a job I can do myself in a few minutes. Hondas also call for regular changing of transmission fluid (for both auto...
by WHL
Fri Nov 07, 2014 9:04 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2217

Re: Fannie Mae Planning Low Down Payment Mortgages

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:
by WHL
Fri Nov 07, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Fannie Mae Planning Low Down Payment Mortgages
Replies: 5
Views: 636

Re: Morbid Question

Why is this a morbid question? Sounds more like common sense to me. Sit down with your wife on a Saturday and go over absolutely everything. Bring all documents, make lists, spreadsheets, whatever it takes to make her feel prepared to take over all of the responsibilities at some unforeseen future p...
by WHL
Tue Nov 04, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Morbid Question
Replies: 28
Views: 4027

Re: Car Maintenance

Can anyone tell me why brake fluid is being changed at 20K? (Subaru is "recommending" to do it at 30K). I don't recall ever changing brake fluid unless it was in conjunction with brake work (new pads, rotors, etc). It depends on how you use your car. Generally I follow manufacturer's reco...
by WHL
Tue Nov 04, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 3976

Re: Vehicle Loan Pay Off

Zimmer0.......I was thinking the same thing as you about the low interest rate...but that wasn't the whole story in my case. We have a low auto rate as we needed a new car in an emergency, and just bought a house, so I didn't want to stretch the budget too far and pay for the car in cash. Well afte...
by WHL
Tue Nov 04, 2014 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Loan Pay Off
Replies: 15
Views: 1638

Re: Tough spot, decided to lease a car

Can I ask, why does the thread starter keep saying "renting is not an option." ? Getting a tax deduction is a ludicrous remark - wow, so you're getting back some of the mortgage interest you paid? And this somehow justifies paying that interest in the first place? Too many excuses listed h...
by WHL
Tue Nov 04, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 13853

Re: AA...any other crazy 80/20 folks out there?

What's crazy about 80/20? I'm 33 and run 75/25, which I've done for ~2 years now, and will continue to do going forward.
by WHL
Tue Nov 04, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4755

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 6:40 pm
 
Forum: Personal Consumer Issues
Topic: WSJ discount?
Replies: 13
Views: 1226

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 6:33 pm
 
Forum: Personal Consumer Issues
Topic: canceled flight on AA: premium seat fee not refunded
Replies: 30
Views: 2315

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 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vehicle Loan Pay Off
Replies: 15
Views: 1638

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 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Investing for my wife's retirement
Replies: 11
Views: 847

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 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on PIMCO in 401k
Replies: 8
Views: 1142

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 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Retirement Portfolio Advice
Replies: 4
Views: 579

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 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 55
Views: 7298

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 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Help Change Direction - Invest or Fix Personal Finance
Replies: 16
Views: 1214
Next

Return to advanced search