Search found 765 matches

by awval999
Sat Jul 04, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What to do with small (20-30K) life insurance sum
Replies: 6
Views: 400

Re: What to do with small (20-30K) life insurance sum

Just a random thought---- Vanguard Wellesley.

Maybe a bank account. No silver. No gold. No life insurance.
by awval999
Sat Jun 27, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 1877

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

I honestly think 5% real is realistic. Then why is the 30-year TIPS yield only about 1.2%? Everyone buying 30-year TIPS is being unrealistic? Granted, I am not buying 30-year TIPS, because I hope to earn a higher real return than that over my remaining lifetime, but I don't know why one wouldn't us...
by awval999
Fri Jun 26, 2015 3:44 pm
Forum: Investing - Theory, News & General
Topic: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?
Replies: 23
Views: 1877

Re: Marriage, Compatibility, and Investment Assumptions – Am I being reactionary?

I honestly think 5% real is realistic.

I think if you annoy your wife to live too far beneath you means / let this consume you, you may find yourself divorced which will really eat into your retirement plan, calculations, and return rate.
by awval999
Fri Jun 26, 2015 4:45 am
Forum: Personal Finance (Not Investing)
Topic: Homemaker denied credit card despite high household income
Replies: 40
Views: 4560

Re: Homemaker denied credit card despite high household income

Very surprised. My wife is a homemaker and we use household income for our credit card points/churning travel cards. I was certain the CARD act and the corresponding CFPB rule states that household income is correct. I will find the link. http://files.consumerfinance.gov/f/201304_cfpb_credit-card-ab...
by awval999
Fri Jun 26, 2015 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Pay student loan off at 2.875%? - otherwise, 14 years to go
Replies: 52
Views: 5096

Re: Pay student loan off at 2.875%? - otherwise, 14 years to go

If you get no psychological impact and the balance does not impact your cash flow (which I doubt a ~$18k balance on a 15 year payment does), then you are correct that in the long term you probably make more money with a 80/20 AA. I will mention that a 3% CD (after taxes) will NOT match the tax-free ...
by awval999
Thu Jun 25, 2015 7:41 am
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 331
Views: 26362

Re: Shiller P/E 10 hits 25

I'm getting a bit anxious; my IPS states to move to Age+10 in bonds when P/E 10>30.
by awval999
Mon Jun 22, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: PMI on FHA loan
Replies: 16
Views: 1097

Re: PMI on FHA loan

I believe that is true. You will need to refinance.

Here's a link for more reading.

http://themortgagereports.com/7570/fha-mip-cancel
by awval999
Sun Jun 21, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7699

Re: One-Two Punch for my credit card game

While credit card churns are technically legal are they ethical? The credit card companies are passing the cost of the bonuses on to the rest of their customers, so, in effect, the rest of their customers are paying for your trips and free hotel rooms. Churning does not take money from the credit c...
by awval999
Sat Jun 20, 2015 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7699

Re: One-Two Punch for my credit card game

Victoria there are other ways to meet minimum spends; but it's all about how much money you can float. You can buy gas station gift cards, for example an entire years worth of gasoline. You can buy grocery store gift cards, for example an entire years worth of groceries. You can prepay (if allowed) ...
by awval999
Sat Jun 20, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7699

Re: One-Two Punch for my credit card game

Chase is now cracking down on churning by denying new card applications from folks who have more than 4 or 5 applications (any issuer, not just Chase) over the prior two years. And most other issuers (Citi, Amex, for example) are limiting bonuses to once per 18 months or once per lifetime. The cred...
by awval999
Sat Jun 20, 2015 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: One-Two Punch for my credit card game
Replies: 62
Views: 7699

Re: One-Two Punch for my credit card game

Consider paying bills with chargesmart.com (auto, student loan, mortgage, etc). They charge a ~3.5% fee BUT it helps to make the minimum spends. I know I could be saving a few bucks with the whole gift card to Serve/Redcard but I figure that spending ~3.5% on fees to meet a $3000 minimum spend is on...
by awval999
Wed Jun 17, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card-Atlanta Travel
Replies: 20
Views: 1501

Re: Southwest Credit Card-Atlanta Travel

Why would Chase give even me, with an 800+ credit score, TWO cards at the same time? Also what credit bureau do they use/should I unlock? Thank you all for the info so far. I am starting to understand this. Why? Because it's a computer algorithm and they don't care. (Although rumor is they are crac...
by awval999
Wed Jun 17, 2015 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of Adding/Cancelling Credit Cards
Replies: 8
Views: 1355

Re: Effect of Adding/Cancelling Credit Cards

Nothing.

My score has actually increased. Number of hard pulls is like 10% total of the score.

http://onemileatatime.boardingarea.com/ ... it-scores/

PS: With all of the posts on Bogleheads recently about this I'm calling a PEAK for credit card bonuses.
by awval999
Wed Jun 17, 2015 5:08 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card-Atlanta Travel
Replies: 20
Views: 1501

Re: Southwest Credit Card-Atlanta Travel

Auggiedoggie is correct. The answer you are looking for is, Chase Southwest Premier and Chase Southwest Plus combo for the companion pass. And start QUICK because the larger sign on bonuses are only until 6/24. Do a little reading on the links from the frequent flyer bloggers that the poster above l...
by awval999
Wed Jun 17, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Can we afford this home?" scenario
Replies: 13
Views: 2016

Re: Another "Can we afford this home?" scenario

You are the age of me and my wife. Why are you looking at $400,000 houses? Continue to rent. Invest. Pay down your loans. Travel. Keep doing that until your first child is born, then buy the house. Also don't throw away the rest of your 20's and 30's living like a miser like half the forum wants you...
by awval999
Sun Jun 14, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3227

Re: Chase bonus. Why?

Aren't those higher "value" credit card opening bonuses usually in the form of frequent flyer miles. I fly very rarely, and I have never managed to redeem any frequent flyer miles for anything of value even once in my entire life. Frequent flyer miles are as useful as Zimbabwe dollars to ...
by awval999
Sun Jun 14, 2015 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3227

Re: Chase bonus. Why?

IMO, the best game in town for upper-middle class households is credit card opening bonuses. There are a ridiculous number of ridiculously good deals available now, spread among at least 5 or banks. If you spend a decent amount on credit cards per month, you can probably make a decent five figure s...
by awval999
Sun Jun 14, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: How to introduce legos to my almost 5 year old boy?
Replies: 15
Views: 1150

Re: How to introduce legos to my almost 5 year old boy?

Find a theme that you know he likes.... Batman, Pirates, Minecraft, Star Wars, etc.
by awval999
Sun Jun 14, 2015 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5046

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

I just wanted to give a small update. I spoke to my tenant today. Tenant told me that the insurance company has given them two weeks of hotel room stay and they intend to use all of it. The insurance company has still not been inside the condo. I also haven't been able to get in touch with the insu...
by awval999
Sat Jun 13, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Paying off Student Loans or Aiming for Forgiveness
Replies: 9
Views: 1405

Re: Paying off Student Loans or Aiming for Forgiveness

Here is the aggregate number of persons who have had their student loans forgiven under the IRB/PSLF plan: 0
by awval999
Fri Jun 12, 2015 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on 401k loan for home purchase?
Replies: 29
Views: 2375

Re: Thoughts on 401k loan for home purchase?

We bought our house contingent on the sale of our house in some specified time that I forget. Sold in 3 weeks and did the sale and purchase closings the same day. We have a number of friends who took advantage of the last downturn to buy up. They all forgot the fact (or didn't believe) that their o...
by awval999
Fri Jun 12, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on 401k loan for home purchase?
Replies: 29
Views: 2375

Re: Thoughts on 401k loan for home purchase?

I really don't see the big problem taking out a 401k loan. I have one. I can still contribute. And I still receive the company match. I took the loan from the bond component only, so you may consider that if you are concerned about losing out on market growth from the stocks (then again the market c...
by awval999
Tue Jun 02, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 5780

Re: Heads up on a great CC promotion (Chase Freedom)

$200 cash back after spending only $500 in 3 months, and no annual fee. https://creditcards.chase.com/a1/freedom/apply200/ Awesome, thanks for the heads up! We're not uber-card churners, but my wife and I will take a free $460 (46% gross return) any day of the week. Btw, I'm looking for ~50k AA mil...
by awval999
Tue Jun 02, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 5780

Re: Heads up on a great CC promotion (Chase Freedom)

tomd37 wrote:I'll bet there is going to be an IRS Form 1099-INT or some other version of Form 1099 at year-end. :twisted:


Credit card rewards are non-taxable. (Bank account opening rewards ARE taxable)

Edit: http://www.irs.gov/pub/irs-drop/a-02-18.pdf
by awval999
Tue Jun 02, 2015 4:32 am
Forum: Personal Consumer Issues
Topic: Planning Las Vegas vacation with a couple of side trips
Replies: 16
Views: 1400

Re: Planning Las Vegas vacation with a couple of side trips

If you've never been, you still have to check out the casinos. I'm not even saying you have to put one dollar in the machines if you don't want, but you need to walk through some to get that indescribable sensation of the lights and the sounds.
by awval999
Sun May 31, 2015 10:28 am
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3329

Re: Toronto Vacation - Finding a hotel

express dealDowntown Toronto Southwest - Entertainment & Financial Districts Area Hotel - Map it What hotel?Guest Rating: 7+ Bed choice available Save 26% or more+ $132/nightIncludes FREE InternetChoose express dealDowntown Toronto Southeast - Union Station & St Lawrence Market Area Hotel - ...
by awval999
Tue May 26, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7322

Re: Once in a life time trip.

We don't know what they like since they are not even 3 yet. We are saving the money right now. This trip will be our anniversary and their 8 birthday combined. We will take Disney cruise and go to Disneyland way before this trip. I"m just trying to get more ideas. Thank you. Oh this is easy. T...
by awval999
Sun May 24, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 23
Views: 2099

Re: Disput a credit card payment or not

If they don't give you the gift card just return the system.
by awval999
Sun May 24, 2015 11:04 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 34402

Re: much ado about coasting (through life)

I feel like I'm coasting. And I'm only 29. In my profession--- hospital pharmacy--- no where to move up unless you want a Director's role (and with it the headaches, budget issues and 50-60 hr work weeks for only 25% per annum more). Raises are inflation only, 2014's being 1.5%. Having an "exce...
by awval999
Sun May 24, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 34
Views: 2861

Re: How to sell a large statue?

Asked my parents. They're definitely not interested in donating it. I offered to get them an evaluation by Christie's -- http://www.christies.com/home/selling-services/auction-services/auction-estimates/overview (they live in New York, so it's not much of a stretch), so at least they have auction a...
by awval999
Thu May 21, 2015 8:42 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 9942

Re: How to pay real estate tax with Target Redcard

Perhaps to meet spending requirements and to reach point status for example on a more valuable program - like Starwood. BFG I would go further and say that is, for the most part, the only reason to play this game at all. Though on Flyer Talk they make a huge point of how you can get 2x spend with t...
by awval999
Thu May 21, 2015 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone limit available credit on Credit card?
Replies: 34
Views: 2763

Re: Does anyone limit available credit on Credit card?

TravelerMSY wrote:Keeping limits low is helpful for getting auto-approvals rather than deferrals if you're working your way through all the airline and hotel bonus cards.


Came in here just to say this.
by awval999
Tue May 12, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3329

Re: Toronto Vacation - Finding a hotel

OP here. Can cancel by 3pm on June 4. Staying there June 7-10, three nights. FROM PRICELINE EXPRESS DEALS Book Now: These prices are so low we can only lock them in for a limited time! 2 of 50 available deals match your requirements. See all deals. express deal Downtown Toronto Southwest - Entertai...
by awval999
Tue May 12, 2015 7:49 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 10035

Re: I Hate Vacations

I live because of vacations and travel. If I didn't have them I don't know how I'd wake up in the morning.
by awval999
Tue May 12, 2015 6:28 am
Forum: Personal Consumer Issues
Topic: Toronto Vacation - Finding a hotel
Replies: 41
Views: 3329

Re: Toronto Vacation - Finding a hotel

What are your exact dates in June. Are you familiar with Priceline Express Deals / opaque rates? You can try to spike a last minute deal since you have a refundable hotel.
by awval999
Mon May 11, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 264807

Re: TradingPlaces' advice on travel awards

With Chase I would just ask to lower credit lines via secure message to make sure you get automatic approval for the Hyatt. Confirm with FlyerTalk's wiki on the Citi AA cards if the business platinum excludes you from the personal platinum. I don't deal with business cards so I'm not sure. From what...
by awval999
Mon May 11, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 264807

Re: TradingPlaces' advice on travel awards

awval999 <--- care to share any more details on the Barclay strategy ? I need a hotel strategy for a week in Maui (OGG) in September. Wife wants to stay at the Westin so I was looking at the SPG card . TIA 8-) My wife and I applied for the (now discontinued) Barclays US Airways card in March, right...
by awval999
Sun May 10, 2015 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Tenants left and we end up with a flooded basement and no insurance coverage
Replies: 35
Views: 3844

Re: Tenants left and we end up with a flooded basement and no insurance coverage

You should have had the utilities put back in your name the instant the tenants gave their notice to vacate. You also should have had a policy rider for water/sewer backup in the basement (penny wise / pound foolish) However, the past is the past and we can't change it now. You could fire the proper...
by awval999
Sun May 10, 2015 8:34 am
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 264807

Re: TradingPlaces' advice on travel awards

I have to thank Barclaycard for my 30th birthday present (next year). Open jaw to HNL and home from OGG for me and my wife. 9 days in Hawaii. All for $11.20 per person! Thanks Barclaycard! You shouldn't have!
by awval999
Thu May 07, 2015 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinance
Replies: 3
Views: 482

Re: Student Loan Refinance

At the end of this internship will be hired on as a staff RN earning $55/hr Thank you very much, Andrew $55/hr for a staff RN? Really? Interesting. I know CNPs and CRNAs make that much but never for a staff RN. Is this in a hard to staff area? For your student loan pickle, I think this is easy. Don...
by awval999
Thu Apr 30, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: Want to plan a San Diego vacation
Replies: 19
Views: 1225

Re: Want to plan a San Diego vacation

Bar hop in the Gaslamp!
by awval999
Wed Apr 29, 2015 4:39 am
Forum: Personal Consumer Issues
Topic: What do you tip a valet?
Replies: 54
Views: 4344

Re: What do you tip a valet?

$2 in and $2 out.
by awval999
Mon Apr 27, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: Been invited to wedding in Disney World. My cost?
Replies: 58
Views: 6439

Re: Been invited to wedding in Disney World. My cost?

Go if you want to go. Don't if you don't. You don't have to stay at Disney. And you don't have to buy park tickets if you don't want to. You can Priceline Express Deal a reasonable hotel for probably $100 a night in the greater Orlando area. Rent a car for $50/day. Airfare at $250. So you're at $500...
by awval999
Fri Apr 24, 2015 6:07 am
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 9942

Re: How to pay real estate tax with Target Redcard

I still think it makes sense to swipe the Redcard for lunch from time to time and shop Target once or twice a month. And allow your funds to float in RedCard land for a week or two before paying back.
by awval999
Fri Apr 24, 2015 6:05 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 3651

Re: Who still have Cable TV?

Have Netflix and DirecTv. Both are excellent uses money. There is no other way to get local NBA or MLB games. Or other live sports. My wife watches trashy reality shows.
by awval999
Wed Apr 22, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: $6 billion of 401(k) loan defaults each year
Replies: 9
Views: 1755

Re: $6 billion of 401(k) loan defaults each year

While I'm in agreement that easy debt (from 401(k), equity loan or otherwise) is financial dynamite to many with spending / savings / financial management problems, I do see a place for these loans in specialized cases. That being said, the $6B in "defaults" strikes me as a sensationalize...
by awval999
Sun Apr 19, 2015 6:27 am
Forum: Personal Consumer Issues
Topic: New York City Tours
Replies: 11
Views: 1014

Re: New York City Tours

http://www.foodsofny.com/?no_redirect=true

Have done two food / walking tours through this company. I recommend them!!
by awval999
Wed Apr 15, 2015 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 10023

Re: Don't come to Europe with a new chip and sign credit car

madbrain wrote:
a_username wrote:The Barclays Arrival Plus is a PIN chip card available in the USA, and it has good rewards. 2.2% cash back on all points redeemed for travel. Also, there are no foreign transaction fees.


However, this card has a $89 annual fee.


Waved for the first year!!

LOL I sound like a salesman.
by awval999
Fri Apr 10, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One getting out of cash rewards credit cards?
Replies: 12
Views: 2905

Re: Capital One getting out of cash rewards credit cards?

Looks like the EU capped transaction fees.

Of note, anyone in the USA using cash pretty much pays for those (my) rewards. Thanks for the frequent flyer miles and cash back!!!

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