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Re: Daycare payments - a way to get further discount?

If you want the most discount, get the 2% back one from citibank. here is the thread http://www.bogleheads.org/forum/viewtopic.php?f=2&t=145785 If you want free credit score every month, you can use creditkarma.com or mint.com Yes, paying off every month will improve your wifes credit score in t...
by bogleblitz
Fri Nov 21, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Daycare payments - a way to get further discount?
Replies: 7
Views: 376

Re: My grown up Christmas wish-A Warm House

I had a thought of using a space heater in the basement to allow the heat to "trickle up" through the first and second floors. I know this is probably not very efficient, but has anyone tried this or have any opinions on whether it would work? Any other ideas? space heater is good for the...
by bogleblitz
Fri Nov 21, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: My grown up Christmas wish-A Warm House
Replies: 11
Views: 872

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home add...
by bogleblitz
Fri Nov 14, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1093

Re: Electricity costs going up

I also live in MA and use National grid. I have tried to switch to other 3rd party suppliers/distributors in the past. My experience were not good with other suppliers/distributors. When issues occur, I had to call both National grid and the 3rd party supplier/distributor. I was stuck in a 2 year co...
by bogleblitz
Thu Nov 06, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Electricity costs going up
Replies: 46
Views: 3197

Re: made it through volatile October , hope to stay the cour

I'm disappointed that it didn't drop more and stayed there longer. I learned I can tolerate a 10% drop which means I make nothing for year 2014.

I can probably handle another 30% drop which means I made nothing for 2012-2013.
by bogleblitz
Wed Nov 05, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: made it through volatile October , hope to stay the course
Replies: 18
Views: 1158

Re: What do you set your thermostat to (in F)?

I used to keep it less than 70 and feel a bit cold.

I'm a landlord and see all my tenants turn it up to 75. So I try to keep it above 70 this year.
by bogleblitz
Tue Nov 04, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4456

Re: Viewing forum on iPhone - font too small

Reading this on iPhone 6 landscape. Using pinch zoom most of the time. Works ok
by bogleblitz
Sat Oct 25, 2014 12:02 pm
 
Forum: Forum Issues and Administration
Topic: Viewing forum on iPhone [small font - Forum software update]
Replies: 23
Views: 1829

Re: Mr. Market turns on Amazon

as of right now, amazon has a P/E of 822.97. Is that correct? How can it be that high when the average is 15.

Does that mean amazon stock can drop 98% to get to a P/E ratio of 15?
by bogleblitz
Thu Oct 23, 2014 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4480

Re: Credit Score Question

buying home and auto insurance requires good credit score for the best rate.
by bogleblitz
Thu Oct 23, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score Question
Replies: 6
Views: 426

Re: Fraud charges on CC again...

Chase calls, text, and emails me when there was a fraud. Did they call you or you found out yourself?

Get the new credit card with EMV chip in it, it is much harder to duplicate. So it is safer.

https://www.chase.com/credit-cards/smart-chip-faq
by bogleblitz
Thu Oct 16, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on CC again...
Replies: 14
Views: 1592

Re: U.S. stocks in freefall

My YTD porfolio is very close to 0% Oct 13th. i made nothing and lost nothing for 10 months.

75% stock/ 25% bond
66% US / 33% International
by bogleblitz
Mon Oct 13, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158222

Re: Anyone buy inverse ETFs during a correction or crash?

sadly, i bought these before I became a boglehead, recommended from a friend of a friend. I held them for more than a day, sometimes weeks not knowing it should be less than 1 day. Heads, you lose. tails you lose. I still don't understand how one can win in this game. I would stay far far away from ...
by bogleblitz
Mon Oct 13, 2014 7:10 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone buy inverse ETFs during a correction or crash?
Replies: 13
Views: 987

Re: The more I research, the more confused I become... help!

Vanguard 2035, fidelity, or t Rowe 2035 are all good. Just pick one.

People on this forum prefer vanguard more.

Your asking if one should buy a Toyota, Honda, or Nissan car. They are all good.
by bogleblitz
Wed Oct 08, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: The more I research, the more confused I become... help!
Replies: 15
Views: 1500

Re: Anyone ever get a roundtrip violation [at Fidelity]?

Yes I did get a letter. It was when I just started being boglehead and moved my money around too much.
by bogleblitz
Wed Oct 08, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2128

Re: Chase and security

I have 2 chase cards and I'm pretty happy with their service. I feel pretty safe and I'm not doing anything.

In the past, I had chase called me with suspicious charges and called about replacing my card completely. I'm sure they will call me again if something needs to be done.
by bogleblitz
Sun Oct 05, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase and security
Replies: 3
Views: 583

Re: Those under 35 with a child 5 or under: Costs of child?

I am very fortunate and lucky to have grandparents from both sides helping out with childcare for the first 3 years while we both worked.

sadly I'm over 35 and don't belong to this thread.
by bogleblitz
Fri Oct 03, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4566

Re: Investment Property

I go by the 10% rule. so a $329k house should get $3,290 in monthly rent. I did own a $330k townhouse and collected $2000 rent for 3 years during 2008 because I couldn't sell it. Sold it in 2011. I think I did well those 3 years but I'm making more money now collecting rent from a multifamily house ...
by bogleblitz
Fri Sep 19, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Property
Replies: 10
Views: 855

Re: When do you have too many credit cards?

Keep them, it helps credit score. Especially the older the card the better it helps the credit score. Cards signed up 20 years ago help credit score meaning you have 20 years of history on that card and no late/defaults = good credits. Signing up a new card reduces credit score because now you have ...
by bogleblitz
Mon Sep 08, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you have too many credit cards?
Replies: 16
Views: 1410

Re: Why does the stock market "always go up"? Will this pers

Thanks for the responses everyone. In this example, excluding inflation, wouldn't a company's stock price stay the same if it was making a profit of 10% a year? My intuition says that perpetual growth isn't sustainable, that eventually, we'd hit a "cap". So I'm still a noob here - what is...
by bogleblitz
Mon Sep 08, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 3905

Re: Why does the stock market "always go up"? Will this pers

Think if the entire stock market is made up of 1 company, Mcdonalds. In this imaginary world, you can only eat at home, eat at local own restaurants, or Mcdonalds. So as long as Mcdonalds is able to make a profit of 10% of year, then stock investors also make 10% a year. You can then expand the enti...
by bogleblitz
Mon Sep 08, 2014 1:28 am
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market "always go up"? Will this persist?
Replies: 42
Views: 3905

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

Great article. What's even better is in the comments section of the article. Sylvia Flores, the person who went backrupted, is responding to alot of comments.
by bogleblitz
Fri Sep 05, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9564

Re: Do I need bonds?

Yes, you need bonds.

I'm 37, have a family, and rental properties just like you. I'm more conservative.

As a diversified investor, everyone should own a bit of cash, bonds, real estate, stocks.
by bogleblitz
Wed Sep 03, 2014 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need bonds?
Replies: 43
Views: 3011

Re: Did you reveal to your kids...your savings and salary

Nope. Not only do I not reveal it, my wife doesn't know my salary and savings.

My wife has a rough idea but she doesn't care. She knows we have enough and live below our means. I'll teach that to my kids.
by bogleblitz
Tue Sep 02, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7247

Re: Cell phone plan on cruise - direct experience?

I went on a cruise twice and didn't even know there was a cell phone plan.

I thought cell phones don't work in the middle of the ocean.

I paid to use their computers but it was super slow and super expensive.
by bogleblitz
Wed Aug 27, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Cell phone plan on cruise - direct experience?
Replies: 5
Views: 449

Re: Hit a financial milestone at an age milestone

Congrats. I'm only 37 but have a similar estimate milestone as OP.

For the 200k income for my family, roughly

66k taxes
66k spent
66k saved
by bogleblitz
Wed Aug 27, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 5192

Re: Want to buy a used Mini Cooper-> Talk me into it?

what I'm looking for is reliability, good gas milage, and low cost of ownership. Talk me into buying a Mini Cooper :P I used to own a mini cooper, great car. I recommend buying it. reliability, mazda 3 or civic is more reliable. good gas milage, Yes it is. so is the mazda 3 or civic. low cost of ow...
by bogleblitz
Wed Aug 20, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy a used Mini Cooper-> Talk me into it?
Replies: 25
Views: 1903

Re: How the rich stay/get richer??

Yes this is true.

Then by the 3rd and 4th generation, the grandchildren and great grandchildren will tap the principal and spend it all.
by bogleblitz
Tue Aug 19, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: [live off dividends?] How the rich stay/get richer??
Replies: 62
Views: 5126

Re: Tracking Credit Score

Credit karma https://www.creditkarma.com gives free credit and monthly monitoring.
by bogleblitz
Thu Jul 31, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Credit Score
Replies: 19
Views: 1276

Re: Anyone here flip houses?

#1 most important: You have to have a passion for it. already mentioned in previous post but if you don't have passion, don't do it!! Me personally, I hate it and was sorta forced into from parents/spouse. I hate fixing walls, ceilings, floors, kitchens, plumbing etc. I hate calling contractors to d...
by bogleblitz
Mon Jul 14, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4968

Re: How are you doing through the first half of 2014?

75% stock / 25% bond

5.64% YTD according to personalcapital.com
by bogleblitz
Sat Jul 05, 2014 9:59 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 10131

Re: The Millionaire Next Door: Are You One?

Yes, according to the book Milllionaire next door, I'm a PAW (Prodigious Accumulators of Wealth).

I drive a Camry and could afford other cars in cash.
by bogleblitz
Sun Jun 29, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 23843

Re: YNAB on sale $15

I saw steam so is this a video game?

I just went to steam and see it for $45. did i miss it? Sounds expensive for a budget program.
by bogleblitz
Thu Jun 26, 2014 8:04 pm
 
Forum: Personal Consumer Issues
Topic: YNAB on sale $15
Replies: 8
Views: 1767

Re: Keeping mold out of bath/shower

I think the OP is the owner/landlord. Not a renter.

Is there a bathroom vent fan? I recommend installing an automatic sensing bathroom vent fan. All the newly build apartments in my area has this installed. I think it's pretty cool.
by bogleblitz
Wed Jun 25, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Keeping mold out of bath/shower
Replies: 32
Views: 3205

Re: Why buy a car with cash?

if it is 0% then it is a good deal. But most of what I see, it is usually high percentage for car loans. The debate is the same as should I pay off my mortgage early. I find both ways a tie. One wins if stock market goes up with car cash money. One loses if stock market goes down during the 3-5 year...
by bogleblitz
Mon Jun 23, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6474

Re: Is it foolish to attempt to time the housing market?

I have the 100k. Are you saying I should buy right now? Yes but now. Housing is high but I think it will keep going up as long as Mortgage rates are 3-4%. I feel that house prices will stablize once mortage reaches 5-6% which doesn't seem like it will happen this or next year. Also look at prices i...
by bogleblitz
Mon Jun 23, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1657

Re: Is it foolish to attempt to time the housing market?

I live near boston and make same salary as you. We should be able to afford a 500k house with 20% down payment which is 100k.
Save 100k and buy a house now.
by bogleblitz
Mon Jun 23, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1657

Re: Anyone here use Personal Capital?

To fix non ticker symbols by yourself in Personal Capital, I used this method:

https://support.personalcapital.com/hc/ ... /201170020

Then replace with a similar real ticker symbol. I use Vangard TR 2040 VFORX which is similar to my non ticker 2030.
by bogleblitz
Mon Jun 23, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 6151

Re: Anyone here use Personal Capital?

I use it and I use mint.com as well. The first thing I did when I signed up was say "Please don't call me". I never got a call from anyone which was great. The investment part is great compared to mint. So I use Personal Capital for investments only. I use Mint for Banks and credit cards o...
by bogleblitz
Sun Jun 22, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 6151

Re: Cost of car compared to Gross Income

The last thing the median earning household should do with their $51,000 income is buy the median priced $30,000 car after taxes. This is exactly my situation right out of college at 21 years old. My salary was around 48k and I bought a 30k Acura TL. Took a 20k loan, 600 monthly payments. I have no...
by bogleblitz
Fri Jun 20, 2014 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4864

Re: synthetic motor oil?

yes, it is worth it. Use what is recommended my the owner manual.

Synthetic motor oil should be changed between 75,000-150,000 miles.

so it last 2 to 3 times longer than regular oil.
by bogleblitz
Fri Jun 20, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1242

Re: flipping real estate infomercial work?

I heard these seminars teach about using hard money lenders where you can borrow money regardless of your credit. It is higher interest rate. Anyone ever use hard money lenders? I'm surprise the government or FTC haven't shut down these real estate infomercial. I understand flipping real estate can ...
by bogleblitz
Fri Jun 20, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1681

flipping real estate infomercial work?

I probably know the answer that it doesn't work. But I seen alot of new flipping informercials show up now at late night. Ones like the hosts from flipping vegas or flip this house. I've seen these real estate informercials from 20 years ago by someone like Carleton Sheets and [some guy - admin Lady...
by bogleblitz
Fri Jun 20, 2014 1:19 am
 
Forum: Personal Finance (Not Investing)
Topic: flipping real estate infomercial work?
Replies: 20
Views: 1681

Re: Personal Life subforum?

I would love a personal life subforum, off topic forum, or any other extra forum. Make it 25 post requirement and 1 month old requirement. other forums usually have a offtopic section. My favorite forum is a videogame forum called neogaf.com. Although I mostly stop playing videogames now, I visit th...
by bogleblitz
Fri Jun 20, 2014 1:05 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5505

Re: Avoiding Paypal/Ebay Scam

Sell to high rated buyers only. or sell locally only. you can hand deliver it and meet with the ebay buyer. How does one limit sales to only highly rated buyers? You can't limit to high rated buyers only. I let the auction end and if the buyer is low rated, I refuse to sell it. The buyer might comp...
by bogleblitz
Thu Jun 19, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2359

Re: Avoiding Paypal/Ebay Scam

Sell to high rated buyers only.

or sell locally only. you can hand deliver it and meet with the ebay buyer.
by bogleblitz
Wed Jun 18, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2359

Re: To stay a Boglehead, I have to leave Bogleheads.org

I experience the exact same feeling the first half year here. I change my portfolio so many times and got a letter from fidelity 401k saying that I'm banned from trading certain mutual fund for 1 year. I kept visiting this site and kept learning. Eventually I'm no longer swayed by the reits, small c...
by bogleblitz
Wed Jun 18, 2014 12:32 pm
 
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 6212

Re: Made the $5 million club, but...

A safe 4% withdraw from 5 million is about $200,000 a year. Do you spend more than $200,000 a year? It is enough if you spend less than $200k a year. Since you are in advertisement, you probably spend more to keep your image. Once you retire, you can spend alot less or move to a cheaper place in new...
by bogleblitz
Mon Jun 16, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7296

Re: how to check in on my investments.

vig and vwo can crash and lose 50% just like an individual stock.

The good news is that you don't need to check on them if you plan to invest for the long term. You can buy them, go to sleep for 20 years like Rip Van Winkle, wake up 20 years later and see how much money it has grown.
by bogleblitz
Sat Jun 14, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: how to check in on my investments.
Replies: 10
Views: 789

Re: How can this be legal (employers over-riding employee 40

I see nothing wrong and it is for the good of everyone. I wish I knew more about 401k right after college. I was pretty much 401k illiterate the first 10 years of work. From buying 100% company stocks in 401k, buying just money market funds only, contribute only the minumum, and withdrawing everythi...
by bogleblitz
Sat Jun 14, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1798

Re: Any [iPhone] "Apps" you like?

Google Authenticator It creates an additional 6 digit password for gmail that changes every minute. This makes someone trying to steal your gmail account much much harder. Very important especially for people who use online banking, mint, etc.
by bogleblitz
Fri Jun 13, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4290
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