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Re: Shop Through Chase and other rewards points

July - September 2015 however is gasoline and not groceries again. My bad. I should pay attention to what I typed. :oops: I think I'd rather have the 5% for gasoline. I drive 70 miles a day so I go through about 3 tanks every 2 weeks. I had just purchased a $100 Whole Foods eGift Card using Chase F...
by ieee488
Fri Dec 19, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 698

Re: New Investor seeking advice

You should give us the funds and associated expense ratios in your 401Ks.

I wouldn't have 23% of my portfolio tied up in one stock.
Shear madness.
by ieee488
Fri Dec 19, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor seeking advice
Replies: 10
Views: 457

Re: Shop Through Chase and other rewards points

On the subject of chase, I've had a chase freedom card for five years or so and have found that I almost never manage to make noticeable use of the rotating categories. Recently decided to swap it out of my wallet for a quicksilver card. I have both. Just have to remember for Chase Jan - Mar 2015 =...
by ieee488
Fri Dec 19, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 698

Re: Shop Through Chase and other rewards points

You can secure message them to report the missing rewards. They don't do anything until 45 days pass. I have so many outstanding claims with them, Discover, and TopCashBack.com right now. Sigh. Actually except for Newegg my rewards through Chase have been pretty prompt. I have made about 5-6 orders...
by ieee488
Fri Dec 19, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 698

Re: Shop Through Chase and other rewards points

nordlead wrote:On chase.com. When you click on the merchant it takes you to a screen before it forwards you to the merchant website. The terms are on the bottom of that specific page.

Thanks.

I think it is rather cheezy of Newegg. They're sending me emails daily with promotional pricing.
by ieee488
Fri Dec 19, 2014 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 698

Re: Shop Through Chase and other rewards points

I've never used Chase to purchase on Newegg. However, my undersanding is that Newegg needs to tell Chase that your purchase met the guidlines. One of the restrictions is you can't use promo codes (which are common on Newegg). It is possible that you incidentally disqualified yourself from the extra...
by ieee488
Fri Dec 19, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 698

Shop Through Chase and other rewards points

Many of the credit card issuers offer additional rewards if you log into their website first then click on to the merchant's website. This past Thanksgiving weekend, I went through Shop Through Chase by logging into Chase.com first. I purchased at Newegg, Staples.com, Walmart.com, ToysRus.com, and G...
by ieee488
Fri Dec 19, 2014 2:20 pm
 
Forum: Personal Consumer Issues
Topic: Shop Through Chase and other rewards points
Replies: 12
Views: 698

Re: Disappointed with sale items

it's about sale items in general, which seem to be subpar in the vast majority of cases. The good stuff simply doesn't go on sale. Prove that they have "good stuff" that doesn't go on sale. The reality is that the quality has changed. I have several twill pants that I purchased from Lands...
by ieee488
Fri Dec 19, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Disappointed with sale items
Replies: 14
Views: 1350

Re: Am I in two many investments.

You don't list the expense ratios, I'd bet some are "high".
by ieee488
Wed Dec 17, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I in two many investments.
Replies: 16
Views: 1393

Re: Help me understand taxes with non-retirement accounts

If my parents don't earn much money (only Social Security), would that preclude them from having to file taxes, even though they have money in a mutual fund account (non retirement)? Or would having the funds automatically make them have to file? Thanks. You can't be serious with this question? Are...
by ieee488
Wed Dec 17, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand taxes with non-retirement accounts
Replies: 29
Views: 2418

Re: Help With Wife's Asset Allocation

So, your portfolio is your portfolio and hers is her?
by ieee488
Wed Dec 17, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Wife's Asset Allocation
Replies: 3
Views: 483

Re: How can I transition to 3-funds?

I am 29 years old and have been interested in passive index fund investing for about the last year. I have a Roth IRA with around $29,000 in it and a 401k with around $30,000 in it. I will be funding another $5,500 in my Roth in 2015 and should be funding in the neighborhood of $15,000 into my 401k...
by ieee488
Wed Dec 17, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I transition to 3-funds?
Replies: 37
Views: 2396

Re: First Time Investing Help

Sms231 wrote:[*]$2900 @ 12.49% (Credit Card - I overpay the minimum, but something always comes up that I need to pay for, like Christmas Gifts)[/list]

Where are you going to be able to make 12.49% ?????

Pay off ASAP.
by ieee488
Wed Dec 17, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Investing Help
Replies: 6
Views: 720

Re: 401K- Clueless

You can create a total stock market index approximation using Fidelity Spartan 500 Index Advt (FUSVX) Vanguard Mid Cap Index Adm (VIMAX) Vanguard Small Cap Index ADM (VSMAX) and the Prudential Total Return Bond Z (PDBZX) .58% would be good for bonds I am not understanding what you have in your Roth ...
by ieee488
Tue Dec 16, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K- Clueless
Replies: 8
Views: 1025

Re: We cut the (Cable/Satellite TV) Cord!

But what is the cost of your internet? I have also done away with cable, but only because I have cheap DSL that is capable of streaming....to some degree, depending on how many people in my house are on the internet. For me, it saves money, but only because I can live with DSL. In my area, if you w...
by ieee488
Tue Dec 16, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4328

Re: We cut the (Cable/Satellite TV) Cord!

Just a topic to discuss what people (who watch some TV) are doing to avoid the increasingly exorbitant fees charged by Cable/Satellite TV providers. We cut the cord last week. Though I'm not much of a TV watcher, my wife is, so this decision was resisted for a long time. Old setup Primary TV: Direc...
by ieee488
Tue Dec 16, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4328

Re: Another new laptop advice.

I had a work laptop with a touchscreen running Windows 8.
I totally did not see the point of paying $50 more for a touchscreen.

1.) check how easy to add more RAM. Best to pre-configure with 8GB.
2.) check how easy to change CMOS battery
3.) check how easy to replace hard drive.
by ieee488
Sun Dec 14, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Another new laptop advice.
Replies: 10
Views: 1241

Re: How to make life simpler?

Badmash wrote:and see how they compare?

I switched to the 3-fund lazy portfolio ins 2009 and haven't looked back.
I didn't even bother with comparing.
by ieee488
Sat Dec 13, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make life simpler?
Replies: 8
Views: 2505

Re: At what age did you find dream job?

I was in my early 30s when I found the type of work that I enjoyed very much.

Haven't found that "dream job" yet though.
by ieee488
Sat Dec 13, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you find dream job?
Replies: 32
Views: 2668

Re: friend has $70K; wants income from it

Without more info, it's hard to suggest beyond the basics. SPIA without knowing more. What's her age, account balances, Emergency fund balances? Where is she moving? buying, renting? etc. Yes, I know that there isn't enough information. But you know how non-Bogleheads are, they don't look at their ...
by ieee488
Sat Dec 13, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: friend has $70K; wants income from it
Replies: 11
Views: 2126

Re: friend has $70K; wants income from it

Swampy wrote:What does living in a flood zone have to do with getting $70,000 unless it is for damages sustained as a result of flooding?

The government is buying up her house.
by ieee488
Sat Dec 13, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: friend has $70K; wants income from it
Replies: 11
Views: 2126

friend has $70K; wants income from it

I was talking to someone today, and she said that she will be receive $70K from the government since her house is in a flood zone. I don't know anything else about how much she has in her 401K and IRAs, but she mentions wanting this $70K to provide some sort of income. Should she look at a SPIA? Cre...
by ieee488
Sat Dec 13, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: friend has $70K; wants income from it
Replies: 11
Views: 2126

Re: Totally Stressed. Husband lost job.

my husband is now doing self-employment work 1099 etc - and yes he is doing ok - I just hate living this way -- waiting for the money to come in etc etc. I work 1099 now. Paid every 15 calendar days. I am not sure what you mean about "waiting for the money to come in" ? Look at your cable...
by ieee488
Thu Dec 11, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 28
Views: 6354

Re: Stolen computer

canon_shooter wrote:Not sure about PCs but I believe a solution is commercially available (for next time).

There is. http://www.lojack.com/Laptops
by ieee488
Thu Dec 11, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Stolen computer
Replies: 29
Views: 2348

Re: Employee Stock Purchase Plans - What are your thoughts?

Skip it.
I had a 5% discount with a former employer except without the 6-months holding period.

Are you certain that there is an additional 6-months holding period beyond the 6-month or 12-month accumulation period?
by ieee488
Wed Dec 10, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plans - What are your thoughts?
Replies: 23
Views: 1559

Re: responding to HR question about salary target

gunn_show wrote:Successful people negotiate


Except this isn't even a negotiation.
The first interview resulted in a rejection.
This time, the HR person looks to be doing filtering of the candidates based on salary.
Not even sure if the hiring manager is even involved at this point.
by ieee488
Wed Dec 10, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: responding to HR question about salary target
Replies: 9
Views: 1143

responding to HR question about salary target

Back in January, I interviewed at Company X but was rejected. They recently reposted the position again except with different software language requirements. I applied again. The HR manager contacted me by email asking whether the salary target is $A1 to $A2 was still acceptable. Frankly it is a bit...
by ieee488
Tue Dec 09, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: responding to HR question about salary target
Replies: 9
Views: 1143

Re: New 401K - question

My company is finally starting my 401K. They will match 50% up to 4% of my salary. In the past I always picked target date retirement funds for my 401K but am wondering if its better to select my own allocations. My company is using Safe Harbor i believe and all the target date funds are T.Rowe. I ...
by ieee488
Tue Dec 09, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401K - question
Replies: 9
Views: 370

Re: Have you ever been let go?

4x in the past 12 years.
by ieee488
Tue Dec 09, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5472

Re: Donate or Sell AV Receiver

If you have a minivan or SUV, I'd buy a DC/AC adapter and hook up it inside the minivan.
by ieee488
Tue Dec 09, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Donate or Sell AV Receiver
Replies: 11
Views: 879

Re: Credit card sign-on bonuses -- worth the trouble?

I just received an AMEX offer for a $200 rebate and Amazon Prime for a year. :shock: I am buying a $1400 projector soon (merry Xmas to me! :sharebeer ) so I could just use this card for that single purchase, meet the $1k charge requirement, and close the account. I usually throw these offers in the...
by ieee488
Sat Dec 06, 2014 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 5899

Re: 28 Year Old Looking for Investment Advice

I’m 28 years old and am looking for investment advice for both retirement and non-retirement. I am a Govt employee and earn $58,000 annually. I am a single parent so I file taxes as head of household. I own my condo free and clear, appraised value $115,000. I have no student loans, no credit card d...
by ieee488
Thu Dec 04, 2014 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 Year Old Looking for Investment Advice
Replies: 6
Views: 902

Re: 401k advice

I am concerned about the fact that we are at/near all time high's in the stock market and real estate market (at least in CA) and my instinct is to be conservative but everyone is telling me at my age to be less worried about risk and to try and go for large returns. I am concerned that interest ra...
by ieee488
Thu Dec 04, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k advice
Replies: 9
Views: 1028

Re: Transferring 401k... Help?

A personally managed 401K? What do you mean?

You can roll over a 401k to an IRA. I just finished doing this when I rolled over a 401k managed by Wells Fargo to a rollover IRA at Fidelity.
by ieee488
Thu Dec 04, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Transferring 401k... Help?
Replies: 3
Views: 575

Re: outdoor "security" camera

I have not heard of Sharx brand before. I will have to investigate.
by ieee488
Thu Dec 04, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: outdoor "security" camera
Replies: 5
Views: 942

Re: Home Internet Service or HotSpot

Hello, I hope to be moving into a new apartment and wondering if I should get home internet service (expensive) or get a hotspot that might be less expensive in the long run, but might limit how I browse. I suppose I would no longer be able to stream a Youtube video if I went with a hotspot... Has ...
by ieee488
Wed Dec 03, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Home Internet Service or HotSpot
Replies: 6
Views: 892

Re: New member intro and questions

Can't help with the value/small tilt.

I would consolidate your 401K into the Vanguard Target Retirement Fund.
Similarly for the Roth IRA, I'd consolidate into Vanguard Total Stock Market Index.
by ieee488
Wed Dec 03, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New member intro and questions
Replies: 4
Views: 383

Re: outdoor "security" camera

No, the area is not protected rain and with winter temperatures I am thinking I would need one spec'd for outdoor use.
by ieee488
Wed Dec 03, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: outdoor "security" camera
Replies: 5
Views: 942

outdoor "security" camera

I am interested in purchasing a camera that I plan on securing to the metal railing on the front porch.
I have power via an outdoor outlet.

I am confused about where to start.
by ieee488
Wed Dec 03, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: outdoor "security" camera
Replies: 5
Views: 942

Re: Which degree makes more sense for a late starter

aic wrote:It seems like everyone that I've talked to has suggested getting a Masters degree to earn higher pay (including a former boss). But I am hearing the complete opposite here...


Going into a career simply for the money will lead to drudgery.
I still believe in following your passion.
by ieee488
Tue Dec 02, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Which degree makes more sense for a late starter
Replies: 54
Views: 3981

Re: Bah Humbug [managing Christmas spending]

We don't give each other gifts. We pretty much have what we want. I did buy two new routers ($5 for one of them after rebate), a Panasonic rechargeable batteries charger with four rechargeable batteries, and printer that can also scan and copy. The prices for all these were too good to pass up. :win...
by ieee488
Tue Dec 02, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 4616

Re: portfolio question: All TR funds or individual funds?

I would stick with the Target Retirement funds.
Just make sure the asset allocation matches your aggressive 88%/12% target.
by ieee488
Tue Dec 02, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: portfolio question: All TR funds or individual funds?
Replies: 9
Views: 1053

Re: Which degree makes more sense for a late starter

None of these degrees guarantee you success. Your success will depend upon how you apply yourself, the networking contacts you make, and your willingness to pursue other opportunities. I understand that, and am not afraid of hard work. I'm coming from the military- the civilian work load is laughab...
by ieee488
Tue Dec 02, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Which degree makes more sense for a late starter
Replies: 54
Views: 3981

Re: best savings account for emergency fund

Barclays 0.9%

GE Capital Bank 0.95%

I always keep some emergency fund money at a local bank.
by ieee488
Fri Nov 28, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: best savings account for emergency fund
Replies: 11
Views: 944

Re: Buying a Computer. Need recommendations.

Reinstalling desktop software is so-last gen, and can be extraordinarily time consuming and costly. I think for common used software (browser/office/email/pictures), cloud is going to render the old school installs obsolete. You'll also find that it's much easier to keep a lean and mean system with...
by ieee488
Fri Nov 28, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 4945

Re: Retirement portfolio review - low taxes; tight budget

You may want to do a bit more research on Wellesley and Wellington. I am not that familiar with them with regards to bonds vs. stocks. Or perhaps have another post asking about them. Have a look at the 3-fund portfolio that several Bogleheads use. http://www.bogleheads.org/wiki/Three-fund_portfolio#...
by ieee488
Thu Nov 27, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio review - low taxes; tight budget
Replies: 20
Views: 2830

Re: Buying a Computer. Need recommendations.

Reinstalling desktop software is so-last gen, and can be extraordinarily time consuming and costly. I think for common used software (browser/office/email/pictures), cloud is going to render the old school installs obsolete. You'll also find that it's much easier to keep a lean and mean system with...
by ieee488
Thu Nov 27, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 4945

Re: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decis

$321 a month is quite substantial. I am with Horizon BCBS as well for 2014 and will be for 2015 unless I find a fulltime direct position. I am on their higher cost Silver Advantage EPO and decided to stay with that plan. I once ran into the issue of needing a referral for something simple - drainin...
by ieee488
Wed Nov 26, 2014 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decision
Replies: 15
Views: 1265

Re: Retirement portfolio review - low taxes; tight budget

Desired Asset allocation: 30-40% stocks /rest in cash & bonds OK, your AA without the cash holdings is now 40/60, but you have to count the cash. What is the AA including the stashed cash? What is your current withdrawal rate? Paul I am thinking that she is not counting the stashed cash, becaus...
by ieee488
Wed Nov 26, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio review - low taxes; tight budget
Replies: 20
Views: 2830

Re: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decis

$321 a month is quite substantial. I am with Horizon BCBS as well for 2014 and will be for 2015 unless I find a fulltime direct position. I am on their higher cost Silver Advantage EPO and decided to stay with that plan. I once ran into the issue of needing a referral for something simple - drainin...
by ieee488
Wed Nov 26, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Horizon BCBS Advantage or Advance EPO Tradeoff Decision
Replies: 15
Views: 1265
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