Search found 739 matches

Go to advanced search

by awval999
Tue May 26, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 120
Views: 6141

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: 22
Views: 1757

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: 173
Views: 20840

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: 2613

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: 8777

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: 2420

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: 37
Views: 2246

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: 9219

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: 37
Views: 2246

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: 159093

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: 159093

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: 3595

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: 159093

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: 451

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: 1038

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: 3999

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: 5966

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: 8777

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: 3100

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: 1724

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: 974

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: 60
Views: 8806

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: 2787

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!!!
by awval999
Sat Apr 04, 2015 6:56 pm
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 10433

Re: Manufactured Spending - Good Idea / Bad Idea?

Art of Priceline Hotel Bidding, Hi awval, your statement sounds like there is a system to using Priceline...I've never been too enamored of using priceline...if you have some Priceline tips or links to share, would surely appreciate those. BFG Not too much to it to be honest. Like the poster below ...
by awval999
Sat Apr 04, 2015 6:51 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 10433

Re: Manufactured Spending - Good Idea / Bad Idea?

There is no need to do it "big time." Getting 4 credit cards/year with 50,000 miles each, gives one 200,000 miles/year which is enough for 2 x 70,000 mile free flights to Asia + 1 x 60,000 mile free flight to Europe. Of course, in the real life the calculations are not so clean: the miles...
by awval999
Thu Apr 02, 2015 5:16 am
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 3126

Re: The Credit Card Game

Get a 2% card and not worry about it anymore? Black out dates, being restricted to a single airline, and other restrictions don't seem worth the hassle. This is something for the crazy coupon cutter to do in retirement when all of their travel is flexible and they have much free time. If you are a ...
by awval999
Thu Apr 02, 2015 5:13 am
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 3126

Re: The Credit Card Game

Thanks for the comments...I gotta think that some of these peeps who write the blogs and fly in super uber class around the globe (and good for them!) have lots more time on their hands, businesses they can use to generate spend or they've travelled a lot over the years and built their way up to th...
by awval999
Mon Mar 30, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2493

Re: Childs prenup

In case you are unaware you do not get to choose if your child chooses to get a prenup or not. Nor do you get to chose who they marry. Or live. Or do. Or work.
by awval999
Mon Mar 30, 2015 4:56 am
Forum: Personal Consumer Issues
Topic: South Florida trip
Replies: 14
Views: 1876

Re: South Florida trip

Nothing beats walking around the Art Deco portion of South Beach at night when it's all lit up. I've even had good luck getting good food at the al fresco dining on the sidewalk with all the managers hollering at you with all their deals. Yeah the meal will be $100 for two but it's good with great a...
by awval999
Tue Mar 24, 2015 4:20 pm
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 10433

Re: Manufactured Spending - Good Idea / Bad Idea?

You manufacturer spend to make travel credit card sign on bonuses, not to earn 2% cash back.
by awval999
Sat Mar 21, 2015 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house that had a Dog
Replies: 18
Views: 2696

Re: Buying a house that had a Dog

Almost all previously owned houses will have had an animal living in them at some time. A thorough carpet steam cleaning and even an exterminator if you are that worried should be enough. I do agree with the previous posters that if you are banking on any hardwood beneath carpet you should fully inv...
by awval999
Wed Mar 18, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: how much mortgage would you be comfortable with?
Replies: 43
Views: 4632

Re: how much mortgage would you be comfortable with?

Here's a question, does the 2.5x gross salary idea change as gross income increases. I ask because the take-home percentage for a couple making $100k annually is much higher than for a couple making $700k annually. If state and local taxes are high, you could be looking at a 40+% total tax rate, co...
by awval999
Wed Mar 18, 2015 4:26 am
Forum: Personal Consumer Issues
Topic: House Foundation Cracks, No big deal or RUN!
Replies: 24
Views: 2920

Re: House Foundation Cracks, No big deal or RUN!

Nothing inherently wrong with knob and tube but man I've seen some really bad things done behind the walls. If a licensed electrician has to make changes to a circuit it all has to be brought up to code and that can be spendy. It's rare that the original knob and tube that's the problem. It's the r...
by awval999
Tue Mar 17, 2015 3:51 pm
Forum: Personal Consumer Issues
Topic: House Foundation Cracks, No big deal or RUN!
Replies: 24
Views: 2920

Re: House Foundation Cracks, No big deal or RUN!

I bought a late 1940's bungalow. It had two hairline cracks in the foundation block wall, one vertical and one horizontal. I had the structural engineer come in BEFORE the home inspector did. The two day wait was agonizing. I was already thinking of cancelling the contract. When the day came the eng...
by awval999
Sun Mar 15, 2015 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for New Investor w/ Tons of Graduate Debt
Replies: 33
Views: 3190

Re: Advice for New Investor w/ Tons of Graduate Debt

If anyone would like to flesh out the argument against maxing 401k in favor of loan repayment, I'd love to hear more. But as of right now, that's my planned course of action. Thanks so much, this was immensely helpful. The question is whether investing in the 401k would give higher expected returns...
by awval999
Sat Mar 14, 2015 7:52 am
Forum: Personal Finance (Not Investing)
Topic: When to cash in your chips?
Replies: 32
Views: 4136

Re: When to cash in your chips?

One thing you could consider on the real estate front, and it really depends how close you and your spouse are with your parents, but might your parents be interested in moving as well if you (and their grandkids) did? You could then sell both houses netting $810k after the 10% transaction costs di...
by awval999
Sat Mar 14, 2015 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Why Isn't Pension Distribution Taxable? (1099-R, Code G)`
Replies: 37
Views: 4705

Re: Why Isn't Pension Distribution Taxable? (1099-R, Code G)

I would fill out my taxes with the $700 as taxable and attach a note stating the circumstances and that you requested a revised 1099-R but have not received one. I attached a note when I over-contributed to a Roth IRA and had to recharacterize it without having the correct 1099 which would be issue...
by awval999
Sat Mar 14, 2015 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Advice for New Investor w/ Tons of Graduate Debt
Replies: 33
Views: 3190

Re: Advice for New Investor w/ Tons of Graduate Debt

I would normally tell a health care worker with high student loans to use SoFi/Common Bond/DRB/Citizen's to consolidate. Because those jobs are much more secure. I consolidated with SoFi. But I'm a health care worker. I will tell you that they SoFI does have 'unemployment' insurance. In the respect ...
by awval999
Sat Mar 14, 2015 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Why Isn't Pension Distribution Taxable? (1099-R, Code G)`
Replies: 37
Views: 4705

Re: Why Isn't Pension Distribution Taxable? (1099-R, Code G)

I wouldn't be filing that Form 4852. It screams "PLEASE AUDIT ME". You did your due diligence. If you get get a corrected 1099-R a year from now, then, file the 1040-X and amend.
by awval999
Fri Mar 13, 2015 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 37
Views: 5322

Re: Fidelity Contrafund

The vast majority of my money was in contrafund, having rolled from fidelity 401k to an IRA. After finding Bogleheads, I had to convince myself that index funds were the way to go. Here's a homework assignment for you. Go to fidelity's site and hit research. Then mutual funds. At the top put contra...
by awval999
Thu Mar 12, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: When to cash in your chips?
Replies: 32
Views: 4136

Re: When to cash in your chips?

You're not financially independent - you're on your way, but given your lifestyle and level of debt not there yet. How much in gains are embedded in those taxable investments? You are financially independent when you have 30-35x your net annual living expenses including the annual cost of health ca...
by awval999
Thu Mar 12, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: Does anyone have experience with filling an RX
Replies: 18
Views: 1570

Re: Does anyone have experience with filling an RX

It's going to be much, much easier to have someone (a friend, family member, etc) fill it at your normal pharmacy that has all your records and just FedEx it to you overnight. It will be well worth the $30 in shipping. I'm a pharmacist (although I work in a hospital, and not a drug store) from my k...
by awval999
Thu Mar 12, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: Does anyone have experience with filling an RX
Replies: 18
Views: 1570

Re: Does anyone have experience with filling an RX

It's going to be much, much easier to have someone (a friend, family member, etc) fill it at your normal pharmacy that has all your records and just FedEx it to you overnight. It will be well worth the $30 in shipping. I'm a pharmacist (although I work in a hospital, and not a drug store) from my kn...
by awval999
Tue Mar 10, 2015 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Fun Fund?
Replies: 27
Views: 1971

Re: Fun Fund?

How about Wellesley?
by awval999
Tue Mar 10, 2015 6:20 am
Forum: Personal Finance (Not Investing)
Topic: The salary you must earn to buy a home: $48,603.82
Replies: 24
Views: 3265

Re: The salary you must earn to buy a home: $48,603.82

Pittsburgh housing is pretty affordable. You can buy a surprisingly nice house in a decent area for $75-80k and make it on $31k salary. But, property taxes are high, and I'm not sure if they took that into account. Also, the city school district is not even an option, so you need to account for the...
by awval999
Tue Mar 10, 2015 6:20 am
Forum: Personal Finance (Not Investing)
Topic: The salary you must earn to buy a home: $48,603.82
Replies: 24
Views: 3265

Re: The salary you must earn to buy a home: $48,603.82

I bought a $195,000 house with $112,000 in gross income with 5% down (CLE for the win). I also took out a 403b loan to do it. I can feel the disapproving thoughts of my fellow forum members.

However, is that more or less Bogleheadish than buying a $400,000 house with 20% down?
by awval999
Sun Mar 08, 2015 7:09 am
Forum: Investing - Theory, News & General
Topic: New DOW Component
Replies: 40
Views: 2881

Re: New DOW Component

Apple makes: computers, ipads, ipods, iphones, and soon a watch. It has serious competition for these products. Why is it worth multiples more than any other Dow component? It has come close to failing on its limited product line a few times in the past. What protects it now? Because it makes the b...

Go to advanced search