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Re: Hamilton watches, worth the money?

Wow, a $380 belt! I rock a $15 belt purchased at Nordstrom Rack. I think we need a new thread for this belt you purchased. Jk! I found this thread very entertaining and I am glad you found a watch that you enjoy, which also fits your price point. Disclaimer: I own a Rolex that retails for $8500 and ...
by blurryvision
Sun Sep 21, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 13151

Re: How do you keep your electricity bill low?

Are you kidding? I'm also in OC. I have a 3300 SF house. I'm on a level pay plan of $37/mo. We don't run the AC until 78. We never run the AC at night. We open all our upstairs windows in the summer. I'm also on a plan with SCE that allows them to cycle off my AC in high use periods (they installed...
by blurryvision
Sun Sep 07, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9408

Re: SaveUp

so you just move money around between accounts and you get credits? are there some kind of restrictions to prevent beating the system? +1 - does anyone know if they take into account moving money out of your account ? I've found that when I pay my credit card bill from my checking account, I get mo...
by blurryvision
Mon Sep 01, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: SaveUp
Replies: 7
Views: 1474

Re: Reminder: Check your 401K contribution rates

I just use a fixed dollar amount. I have to use a whole number percentage amount. I'm surprised that your company forces you to use a whole number percentage amount. What a huge inconvenience! :oops: I'm with rkhusky on this one: use a fixed dollar amount. Since I get paid bi-monthly, I just set it...
by blurryvision
Sat Aug 16, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3770

Re: SaveUp

I use it - mostly out of habit to play for the prizes. Sometimes I have a nice little daydream about winning the $2 million jackpot. :D

I've won about $20 in cash, a platinum 1oz bar, and a gold 1oz bar playing these drawings over the last year. My wife hasn't won anything.
by blurryvision
Thu Jul 31, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: SaveUp
Replies: 7
Views: 1474

Re: Have you used Ramit Sethi's Courses?

After getting tons of sales pitches via email from Ramit, I actually did sign up for one of his courses (Zero to Launch). I signed up because I was intrigued and because he offers a great 60 day money back guarantee. This was a course designed to create your own online business. I trusted Ramit and...
by blurryvision
Tue Jul 29, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 28
Views: 4949

Re: Have you used Ramit Sethi's Courses?

After getting tons of sales pitches via email from Ramit, I actually did sign up for one of his courses (Zero to Launch). I signed up because I was intrigued and because he offers a great 60 day money back guarantee. This was a course designed to create your own online business. I trusted Ramit and ...
by blurryvision
Mon Jul 28, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Have you used Ramit Sethi's Courses?
Replies: 28
Views: 4949

Re: How to track expenses to the penny?

I use mint.com to track my expenses automatically and clearcheckbook.com to manually track my expenses.

warning: the clearcheckbook app is terrible, but the online site is very easy to use.
by blurryvision
Tue Jul 22, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to track expenses to the penny?
Replies: 40
Views: 2827

Re: Wife was hit by car while riding on bicyle. Next Step?

My wife was hit by a car on her bike 1 year ago. She was crossing the street and a driver made a left turn straight into her. I don't believe the driver was paying attention. My wife ended up on the hood of the car and then rolled off when the car stopped. The driver was making a turn from a complet...
by blurryvision
Fri Jul 11, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5725

Re: Anyone here use Personal Capital?

I tried personal capital for a while - I get getting phone calls from different reps trying to schedule my free consultation. I did not see a way to opt out of receiving phone calls so I just deleted my account. If I want to see what's going on with my invest accounts, I just need to log in to Vangu...
by blurryvision
Mon Jun 23, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5861

Re: Selling a Rolex Watch

www.rolexforums.com will be a better site to ask this question.
by blurryvision
Fri Jun 13, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Selling a Rolex Watch
Replies: 8
Views: 1472

Re: Replacement checks?

Where do you do your banking? If it's a local bank, sometimes you can ask the teller for some "free courtesy checks" they can print for you. We bank with Chase and they give us free checkbooks anytime we ask. This being said, we don't really write many checks now that there are billpay fea...
by blurryvision
Wed Jun 04, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1667

Re: Timing with the market at the high?

Will it seem stupid if you wait another year to start investing and miss out on 30% returns? Consider dollar cost averaging the money.
by blurryvision
Sat May 31, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Timing with the market at the high?
Replies: 26
Views: 2717

Re: Tipping for a haircut at Great Clips

Me and my wife started cutting our own hair 1 year ago. Picked up electric clippers and some barber shears on Amazon for ~$20. We watched a bunch of youtube videos, and just figured out how to do it ourselves. Now I get my haircut weekly; it takes 25 minutes for the cut and cleanup. We save on the p...
by blurryvision
Mon Mar 10, 2014 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Tipping for a haircut at Great Clips
Replies: 56
Views: 4386

Re: Getting rid of wife's Target Date fund - questions

Thank you everyone! We will keep her Target date fund for now.
by blurryvision
Tue Feb 18, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2205

Re: Getting rid of wife's Target Date fund - questions

How did you estimate your house value so specifically? Home value is just an estimate from Zillow / Redfin. We don't want to move and hope to live here permanently, so home value doesn't really mean too much to us. As for my wife entitled to unemployment, we're definitely not trying to "game t...
by blurryvision
Fri Feb 14, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2205

Getting rid of wife's Target Date fund - questions

I've learned so much about investing in my short time here, and I've made some changes in my retirement accounts that I feel comfortable with, thanks to help from others here! Emergeny Fund: We have combined 6 months worth of expenses (including mortgage payment) sitting in a savings account, lookin...
by blurryvision
Fri Feb 14, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting rid of wife's Target Date fund - questions
Replies: 22
Views: 2205

Re: Newly married - setting up finances

I think it helps to share a single mint.com account with all of your accounts (loans, mortgage, checking, savings, investments, etc) linked.

That way at all times each of you can see the big financial picture.
by blurryvision
Thu Feb 13, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly married - setting up finances
Replies: 23
Views: 1925

Re: Newly married - setting up finances

I also believe in only having one joint account (or multiple joint accounts). It's simply a lot easier to manage. Marriage is about sharing and I strongly feel that if you can't share your money together, these doubts should be addressed before getting married. Isn't the Boglehead investment philoso...
by blurryvision
Thu Feb 13, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly married - setting up finances
Replies: 23
Views: 1925

Re: Do you ever feel you are being too frugal?

We are friends with a couple who always invites us out to join them at fancy restaurants where it is difficult to get a reservation. Restaurants where the minimum for each person is around $100 (often more). Because of this, I feel like we can no longer hang out with them regularly. I've tried sugge...
by blurryvision
Mon Dec 30, 2013 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5272

Re: Paid off Mortgage today!

Congrats!!! I have 13 years to go...
by blurryvision
Thu Dec 05, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4343

Re: Vanguard Taxable Account next? Look ok?

Any interest in international stocks?
by blurryvision
Tue Dec 03, 2013 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Taxable Account next? Look ok?
Replies: 3
Views: 420

Re: Silly question on buying fractional shares in Roth IRA

Kruid9403 wrote:In those dollar amounts it will cost you more in commissions to split it up than to buy all together.


This is for a Roth IRA account with Vanguard with a Vanguard fund. I don't think there is a commission involved. Am I wrong?
by blurryvision
Thu Oct 17, 2013 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Silly question on buying fractional shares in Roth IRA
Replies: 4
Views: 324

Silly question on buying fractional shares in Roth IRA

For my Roth IRA, if I want to buy shares of an index fund, does it make any difference if I buy $200 worth of shares of VTSAX one day versus $100 worth of shares one day, then $100 worth of shares the next day. Let's assume the NAV is the same both days. Is there any significant difference in the am...
by blurryvision
Thu Oct 17, 2013 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Silly question on buying fractional shares in Roth IRA
Replies: 4
Views: 324

Re: In need of a new Vacuum

I have a 'Shark', got it from Costco & love it. I'd highly recommend it. +1 Just bought it from Costco about 2 weeks ago. Amazing. ~$150 You needn't research any further. http://www.costco.com/Shark%C2%AE-Navigator-Professional-Upright-Vacuum.product.100018632.html Yup this is the one we have. ...
by blurryvision
Tue Sep 24, 2013 2:55 pm
 
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 24
Views: 1273

Re: Save for a down payment or continue maxing retirement?

Given the information you've provided, I would continue maxing out your retirement. I would worry about buying a home once you get married and start talking about having children. How long do you intend on staying with your current company? If you save for a down payment on a home, will it be within...
by blurryvision
Tue Sep 17, 2013 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Save for a down payment or continue maxing retirement?
Replies: 3
Views: 646

Trying to help my coworker understand her retirement annuity

I was helping a coworker choose funds for her 403(b) and found out that she has some type of retirement plan from her previous employer whom she joined in 1998 and left in 2004. All this time, she didn't even realize that there was money set aside in an account for her. While I know enough about fun...
by blurryvision
Fri Sep 13, 2013 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help my coworker understand her retirement annuity
Replies: 0
Views: 229

Re: Are you an Iphone or Android guy?

iPhone user here. But disappointed Apple doesn't offer an iPhone with a larger screen. Getting very jealous of Samsung Note and Galaxy users.

By the way, can we turn this into a poll?
by blurryvision
Wed Sep 11, 2013 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 7429

Re: What do you do with your cash back rewards?

Me and my wife use our Chase Ultimate Rewards points and convert them to United Airlines or Southwest Airlines miles. We haven't paid for a domestic or international flight over the the past 2 years! This is not counting taxes and fuel charges. While getting cash back can be sensible, we find it rat...
by blurryvision
Fri Aug 30, 2013 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 28509

Re: Credit score using credit.com, karma, sesame, etc.

I've used all those sites to obtain my simulated credit scores without issue over the last few years. They are perfectly safe and in my opinion give me a reasonable estimate of my credit score. They help me monitor new credit inquiries as well. :sharebeer
by blurryvision
Thu Aug 29, 2013 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit score using credit.com, karma, sesame, etc.
Replies: 12
Views: 838

Re: How do you "rent" movies?

No movie services exist where I live, so I use Bit Torrent for movie and TV downloads. If you have internet access, then you can use a streaming device such as Roku to watch movies with Netflix or rent them on Amazon Streaming Video. Are you saying that these services are not available where you li...
by blurryvision
Wed Aug 28, 2013 12:33 pm
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 6079

Re: How do you "rent" movies?

No movie services exist where I live, so I use Bit Torrent for movie and TV downloads. If you have internet access, then you can use a streaming device such as Roku to watch movies with Netflix or rent them on Amazon Streaming Video. Are you saying that these services are not available where you li...
by blurryvision
Wed Aug 28, 2013 11:49 am
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 6079

Re: Financial advice

Invest early and often.

Now that I'm in my early 30s, I'm playing catch up by saving and investing more. I'm dispensing the same advice to those in their 20s. The dilemma is that most people in their 20s don't want to think about investing, let alone retirement.
by blurryvision
Thu Aug 22, 2013 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial advice [that you've ignored]
Replies: 19
Views: 2270

Re: Ring setting question

Have you checked out a smaller, independent jeweler.

In my experience, they don't charge anything to set the ring as long as you purchase the setting, it only takes like 30 minutes or so to set the stone.
by blurryvision
Fri Aug 16, 2013 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Ring setting question
Replies: 4
Views: 481

Re: Tips on splitting marital finances

Marriage is about teamwork. For us, we put everything into our joint account. By teaming up, we can really build wealth together. It helps that we share much of the same financial goals such as working together to keep our costs low, trying to invest healthily along the way. I don't know how a coupl...
by blurryvision
Fri Aug 16, 2013 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips on splitting marital finances
Replies: 71
Views: 5453

Re: 75 Transfer Fee?

A few years ago I was also charged a transfer fee to move my Roth IRA to Vanguard.

My financial adviser said he couldn't waive the fee. Although there were no problems charging me account maintenance fees, annual fees, loads, and high expense ratios. :annoyed
by blurryvision
Tue Aug 13, 2013 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 75 Transfer Fee?
Replies: 8
Views: 513

Re: Best On Line Bank?

I have tried ING (now CapitalOne 360), AMEX Personal Savings, and Ally and I have found that CapitalOne 360 works the best for me. The Capital One website and user interface is much more polished and user intuitive compared to AMEX and Ally. The Ally online bank website looks like it was designed by...
by blurryvision
Tue Aug 13, 2013 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best On Line Bank?
Replies: 31
Views: 4486

Re: Want to cut the cable cord

I also cut cable and have been using Netflix and Amazon Prime with my roku for the last 2 years. I don't regret this decision at all. I found that with cable and Direct TV, we used to just sit around and mindlessly surf the channels for something to watch. Cutting subscription television is really q...
by blurryvision
Thu Aug 08, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Want to cut the cable cord
Replies: 67
Views: 6485

Re: S&P breaks 1700...time to rebalance?

Time for me to buy some more bonds
by blurryvision
Fri Aug 02, 2013 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P breaks 1700...time to rebalance?
Replies: 59
Views: 5807

Re: more than one credit card?

the Citi Forward card is closed for new applications that aren't students. If you have a previous Citibank credit card, you can call Citibank and have them do a "product conversion" for you into the Citi Forward card. The process is free and does not affect your credit score (no hard inqui...
by blurryvision
Mon Jul 29, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3892

Re: more than one credit card?

I currently have around 10 active credit cards. It seems kind of crazy but I know people with much more than this amount of credit cards. Having this many credit cards really helps to optimize the cash back. Here is an example of some of the cash back / points I earn: 5% back on cell phone bill 5% ...
by blurryvision
Fri Jul 26, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3892

Re: more than one credit card?

I currently have around 10 active credit cards. It seems kind of crazy but I know people with much more than this amount of credit cards. Having this many credit cards really helps to optimize the cash back. Here is an example of some of the cash back / points I earn: 5% back on cell phone bill 5% b...
by blurryvision
Fri Jul 26, 2013 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: more than one credit card?
Replies: 51
Views: 3892

Re: What Do You Use to Track Your Credit Scores???

I go to http://www.annualcreditreport.com to get my credit report (no score included). You have one free report for each of the major credit reporting agencies: Transunion, Experian, and Equifax. I stagger and order a report from each CRA every 4 months. For simulated credit scores, I use the follow...
by blurryvision
Tue Jul 23, 2013 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Use to Track Your Credit Scores???
Replies: 20
Views: 1287

Re: Market Timing

You're young. I would go in all at once, and this time stay the course.
by blurryvision
Tue Jul 16, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Market Timing
Replies: 33
Views: 1814

Re: [Can you recommend]A spectacular movie, and a terrible m

Spectacular movie: Gattaca

Terrible movie: Wrath of the Titans
by blurryvision
Fri Jul 12, 2013 6:10 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 10814

Re: Is it important to establish a credit history? If so, h

Have you tried calling the AMEX reconsideration line? You may have luck speaking with a live representative, pleading your case for why you want the credit card. It also helps if you have a nice reported income. It's worth a shot. Also, are you married? Does your spouse have a credit card? or your p...
by blurryvision
Wed May 29, 2013 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it important to establish a credit history? If so, how?
Replies: 18
Views: 914

Re: a reason to own target date funds

I'm new to all this, but my reason for getting out of my target date fund is to lower the expense ratios, especially with Admiral Shares.
by blurryvision
Wed May 29, 2013 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: a reason to own target date funds
Replies: 16
Views: 1266

Re: Help with 401K in Mass Mutual & opening new taxable acco

Ok it's done! My portfolio is where I want it to be. I've combined my 401K and Roth IRA into "one" investment mix of 90% stocks / 10% bonds. For the stock index I have divided it up between 70% domestic and 30% international. My 401K will be all equities designed to mimic VTSMX (81% S&...
by blurryvision
Fri May 24, 2013 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 3151

Re: Help with 401K in Mass Mutual & opening new taxable acco

Okay, I have made the appropriate change in my 401K (81% S&P 500, 6% Mid Cap, 13% Small Cap). This was what I was looking for. I will continue to treat my 401K as 50% of my portfolio as TSM for now. Currently the employer match is 3%. I don't have profit sharing yet, but it will play a factor ne...
by blurryvision
Fri May 24, 2013 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401K in Mass Mutual & opening new taxable account
Replies: 16
Views: 3151
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