Search found 247 matches

by slbnoob
Wed Jul 29, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 127
Views: 9632

Re: Credit Card Rewards (Travel)

I am going to book another flight before I cancel the card. One of my questions remains: If I book a domestic reward flight that does not have taxes, how will the Citi card know about it in order to reimburse me? I have done this before. Citi (or Barclays in my case) does not have to know about the...
by slbnoob
Wed Jul 29, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 127
Views: 9632

Re: Credit Card Rewards (Travel)

I am going to book another flight before I cancel the card. One of my questions remains: If I book a domestic reward flight that does not have taxes, how will the Citi card know about it in order to reimburse me? I have done this before. Citi (or Barclays in my case) does not have to know about the...
by slbnoob
Wed Jul 29, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cash down + Refi vs Pay down Debts
Replies: 7
Views: 217

Re: Cash down + Refi vs Pay down Debts

Recently, I paid down more to get rid of PMI. However the term I re-financed to was 25 years compared to the 30 year I had originally. The way I saw this was I didn't want to re-fi to 30 years again and reset the clock again. Also, the interest is highest in the initial years (see your amortization...
by slbnoob
Wed Jul 29, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Cash down + Refi vs Pay down Debts
Replies: 7
Views: 217

Re: Cash down + Refi vs Pay down Debts

Recently, I paid down more to get rid of PMI. However the term I re-financed to was 25 years compared to the 30 year I had originally. The way I saw this was I didn't want to re-fi to 30 years again and reset the clock again. Also, the interest is highest in the initial years (see your amortization ...
by slbnoob
Wed Jul 29, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 216
Views: 17860

Re: Free Windows 10 Upgrade, Yes or No?

Looks like I'll wait a while before upgrading tomorrow.
http://reviews.gizmodo.com/windows-10-d ... 8135443685

Considering I have a 6 year old Lenovo I'm not ready to give up on yet, I'd rather play safer :)
by slbnoob
Mon Jul 20, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 29
Views: 4783

Re: Too good to be true? vgenx or vgpmx

Well, the nadir seems to have been breached for both :)
by slbnoob
Sat Jul 18, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: honda civic or Prius?
Replies: 86
Views: 7236

Re: honda civic or Prius?

Prius' looks will not sell it. But any Toyota hybrid will outperform its EPA estimates (Source: fuelly.com and the toyotanation forum).
by slbnoob
Sat Jul 18, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Replacing wireless router - advice needed
Replies: 21
Views: 2104

Re: Replacing wireless router - advice needed

I use a separate modem and router. If and when you replace, I would suggest Motorola SB6121 and Refurbished Netgear WNDR4500 . The Motorola modem is pretty solid. So you can't go wrong with that. Just make sure you get DOCSIS 3.0 whatever you decide to buy. As for a router, in principle, you can buy...
by slbnoob
Mon Jul 06, 2015 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Auto Loans getting out of control?
Replies: 16
Views: 3242

Re: Auto Loans getting out of control?

I'll post a data point. In 2013, I got a 0 down, 0% loan over 60 months to finance the full OTD amount of my new car. The price I was offered to pay cash amounts to a 1.79% interest over 60 months. That was the first time I saw my credit score and it was sub-700. Later I learned about various factor...
by slbnoob
Fri Jul 03, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed ACH limits
Replies: 8
Views: 1460

Re: Penfed ACH limits

Did you fund your regular shares account with a CC? If so, likely this transaction will register as a Cash Advance on your CC. Check if that is so, because CA has fees associated with it. I know because it happened to me. Luckily the CC issuing bank agreed to waive the fees as I wasn't aware that it...
by slbnoob
Tue Jun 30, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 67
Views: 6681

Re: Unknown phone calls

I have had a surge in receiving such calls recently in the past 4 weeks. I don't know what has given. Likely some database compromise is now taking effect.
by slbnoob
Thu Jun 25, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2529

Re: Optimize trip to China

OP here. Thanks to 'monet' above for reviving the thread. It has now gotten more replies than my OP did :)
Going to the Chinese Consulate tomorrow. They have a reputation for being a pain. Let's hope it goes off smoothly.
by slbnoob
Thu Jun 18, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: Should I give up: Non-resident alien living in the US wants to buy MF?
Replies: 6
Views: 913

Re: Should I give up: Non-resident alien living in the US wants to buy MF?

Good to know that F are exempted ! Thanks for bringing it to my attention.
by slbnoob
Thu Jun 18, 2015 11:07 am
Forum: Investing - Theory, News & General
Topic: Should I give up: Non-resident alien living in the US wants to buy MF?
Replies: 6
Views: 913

Re: Should I give up: Non-resident alien living in the US wants to buy MF?

Check the requirements to be a 'resident' or 'U.S. person' for tax purposes. My guess is you already are.
by slbnoob
Tue Jun 16, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6434

Re: Most Beautiful Nature Destinations

How can Iceland not have any mention here so far?
by slbnoob
Wed Jun 10, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Insurance
Replies: 30
Views: 3411

Re: Amica Insurance

TX here too. Amica came out far cheaper for home than other quotes I got. This is not considering the 15 dividend check they mail out every year. I also have Smith Thompson ($16.95 pm) but don't how much it saves me since the discount is baked into my premium. I also have 2% deductible. They also of...
by slbnoob
Wed Jun 10, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: REITs - why the volatility?
Replies: 44
Views: 4030

Re: REITs - why the volatility?

Why not double down on your bet and 'rebalance' into REITs now?
by slbnoob
Mon Jun 01, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: My 401(k) or wife's trad IRA
Replies: 5
Views: 406

Re: My 401(k) or wife's trad IRA

OP here. For clarification: her (and mine) Roth IRA is fully funded (beginning of year), she has no retirement plan at work, and even if I fill up my 401k at my work, there would be more funds available to be invested. Where should I put these now? Is my only option a taxable account?
by slbnoob
Sun May 31, 2015 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: My 401(k) or wife's trad IRA
Replies: 5
Views: 406

My 401(k) or wife's trad IRA

My wife started working recently. We do not expect that she will continue working beyond a year. Her income can be saved fully at present as our expenses and savings are covered under my income. Her workplace does not offer a 401k but mine does. Where should we preferentially save her income? My 401...
by slbnoob
Tue May 26, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 3425

Re: Found a great LED deal...$2.49 each.

goodenyou wrote:
slbnoob wrote:4.97 for me, online.
Are we going to become slickdeals? :P


$4.97 for 2 or $2.49 each.

Right. Thanks.
by slbnoob
Tue May 26, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 35
Views: 3425

Re: Found a great LED deal...$2.49 each.

4.97 for me, online.
Are we going to become slickdeals? :P
by slbnoob
Tue May 26, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7530

Re: Once in a life time trip.

Iceland.
by slbnoob
Mon May 25, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Best way to re-key locks on new house?
Replies: 36
Views: 3435

Re: Best way to re-key locks on new house?

I bought the re-key set from HD and re-keyed the 3 entrance locks myself. It took a bit of reading and patience bit it worked and I'm happy I didn't pay anyone to do it. Start slow with a lock you can afford to mess-up and leave it like that for a short while if need be, such as the garage entrance....
by slbnoob
Fri May 22, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Follow "Passion" or Follow the Money?
Replies: 73
Views: 4926

Re: Career Advice: Follow "Passion" or Follow the Money?

I myself have been in a similar position as yours, OP. My decision to stick with my current R&D job comes down to a few things. Beware that a lot of generalizations follow but then those are strictly my observations/opinions. I cannot get myself to respect the work done by consultants.I feel mos...
by slbnoob
Mon May 18, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Performance of VGTSX
Replies: 7
Views: 751

Re: Performance of VGTSX

But still, if an investor wants to add international stocks to their portfolio doesn't it make sense to consider international funds that have a better long-term track record but are still fairly diversified? This is what the international market (index tracking it) has returned. If you look for ot...
by slbnoob
Tue May 05, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 10385

Re: How to pay real estate tax with Target Redcard

sk.dolcevita wrote:My bank offers a DEBIT card co-branded with Delta Skymiles. Wondering if that would work even though the CC party is over. Anyone know?

We'll know for sure only tomorrow!
by slbnoob
Tue May 05, 2015 4:56 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 10385

Re: How to pay real estate tax with Target Redcard

Well this party might be coming to an end after all. Seems like no CC loads from tomorrow May 6.
by slbnoob
Fri May 01, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2529

Re: Optimize trip to China

Looks like I will have to research more into the Tibet 'passage' issue. I was assuming A PRC visa would be enough. Shanghai seems to be getting more interest lately; the Yellow Mountains seem interesting nearby. I was also recommended to visit Guilin in Guanxi province. But it may be a little out th...
by slbnoob
Thu Apr 30, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 2529

Optimize trip to China

Once again, I'm calling on the collective wisdom of this forum to help me 'optimize' my upcoming trip to China as I research for myself. I am looking at a 8-10 day trip in August-September and I could arrive at either Beijing, Hong Kong or Shanghai, whichever makes my travel more optimal. I would wa...
by slbnoob
Thu Apr 30, 2015 1:03 pm
Forum: Personal Consumer Issues
Topic: Am I being scammed?
Replies: 13
Views: 2648

Re: Am I being scammed?

Just for my information: What can the 'scammer' do with a copy of the title or even original) with them?
by slbnoob
Thu Apr 23, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Any of you folks pay mortgage with credit card?
Replies: 29
Views: 3193

Re: Any of you folks pay mortgage with credit card?

You can also just transfer money from your Redbird to your bank account ... How can you do that electronically? From what I understand, you would have to pay yourself (or someone in the house) with a check using Bill Pay. Same thing as making the check out to the bank and mail it to the bank or to ...
by slbnoob
Thu Apr 23, 2015 1:11 pm
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1901

Re: 1 day in San Francisco, no car

Thanks everyone for the great responses. Your responses and some mapping (http://www.aviewoncities.com/maps/sf.htm) helped me plan out my day. I will likely have less than 10 hours without a car. My tentative walking plan is to get down at Powell St BART station. Take the street car towards Lombard ...
by slbnoob
Thu Apr 23, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: 1 day in San Francisco, no car
Replies: 29
Views: 1901

1 day in San Francisco, no car

Getting into SFO in the morning. Plan to take BART from SFO to 'downtown'. Spend day walking, taking public transportation to see the sights, etc. till evening when a friend picks us up. Could you suggest any walkable/public transportation friendly day itinerary in SF? Just started researching. Than...
by slbnoob
Tue Apr 21, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 10385

Re: How to pay real estate tax with Target Redcard

I just reads your question on FT :) Seems like you liked an answer there. I am hoping to begin using RB once I get it (through ebay perhaps). I had a similar question: How to pay my mortgage bank when it is not listed as a payee directly? I figured I will use the Bill Pay feature to send them a chec...
by slbnoob
Wed Apr 15, 2015 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 230
Views: 158680

Re: Mango prepaid card - 4.8% (effective) APY

Does your paycheck DD also show up as 'EFT Load'? Currently, I'm just using an auto transfer from Ally each month. It hasn't been a full month yet, so can't say if I'm going to get the highest rate.
by slbnoob
Wed Apr 15, 2015 9:41 am
Forum: Investing - Help with Personal Investments
Topic: HSA elections JPMorgan
Replies: 3
Views: 351

Re: HSA elections JPMorgan

I have the same plan at work for my HSA. I invest in the BlackRock International Index Fund – A Shares MDIIX 0.43%.
by slbnoob
Fri Apr 10, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 4528

Re: Has Anyone had a Credit Card Cancelled for not Using It

My wife had the Target CC cancelled after their data breach. This was only following a year or more of inactivity. They didn't even inform us. I logged on to the website and discovered this.
by slbnoob
Tue Apr 07, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Need[ed] to stop an ACH transfer [that once was] tomorrow
Replies: 11
Views: 2688

Re: EMERGENCY! Need to stop an ACH transfer happening tomorr

I'm not sure I understand the OP's situation completely but here is one data point. My loan had been transferred to another bank. I had set up automatic ACH with them to withdraw the monthly payment. Then some other day, I didn't remember this and paid my monthly bill manually. This was my 1st or 2n...
by slbnoob
Tue Apr 07, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 2804

Re: Battery or Gas Lawn Mower

I had also posted a similar query elsewhere on this forum. I went with the B&D 36V self propelled mower. I have about 5000 sq ft of St. Augustine's grass to mow and it does fine. It gets into difficulty when it encounters longer, wet grass but that's not a deal breaker. If I had to change mine (...
by slbnoob
Thu Apr 02, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 230
Views: 158680

Re: Mango prepaid card - 4.8% (effective) APY

I have an Ally Savings and it allows both ACH Push and Pull for free. The number of transactions are limited to 6 per month though. I am not sure exactly which transactions are counted towards that limit as I am still at 1 in spite of 4 push/pulls transferring from my CU - Ally - Mango and back. I a...
by slbnoob
Fri Mar 27, 2015 12:55 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 334950

Re: TradingPlaces' advice on travel awards

nonnie wrote:
caklim00 wrote:Lots of places to buy Redbirds online safely.

Well yeah for $30 mostly. Not worth it for me. Anyway, seems like they'll be limited to being loaded with an AMEX soon. Thankfully I didn't invest $30 in that.
by slbnoob
Fri Mar 27, 2015 12:53 pm
Forum: Personal Consumer Issues
Topic: Boglehead Concert Goers?
Replies: 64
Views: 3895

Re: Boglehead Concert Goers?

I'm not much of a music guy but I have seen the artists/bands that I could imagine paying to go see: Mark Knopfler (of Dire Straits) Joe Satriani U2 The only band remaining I'd gladly pay to see is Poets of the Fall. However, they're Finnish and haven't come to the US in my knowledge so far. Perhaps...
by slbnoob
Tue Mar 24, 2015 12:23 pm
Forum: Investing - Theory, News & General
Topic: Get rid of PMI or Max out 401K?
Replies: 13
Views: 1516

Re: Get rid of PMI or Max out 401K?

1. Get 401k match. 2. Max Roth IRA. 3. Accumulate 6 months reserves in cash (Roth comes first because it can double as an emergency fund). 4. Pay down mortgage with excess cash until you're rid of PMI. 5. Max out 401k I did a variation of the above except for: 3. Refinance to pay down mortgage to 8...
by slbnoob
Fri Mar 20, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity
Replies: 5
Views: 677

Re: Job Opportunity

A close friend of mine is also starting training with World Financial Group (WFG) which is basically the arm of TransAmerica selling financial products. They basically got recruited into a pyramid scheme (MLM). I tried very hard persuading them to not pursue this "opportunity" any more. I ...
by slbnoob
Fri Mar 20, 2015 12:06 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 334950

Re: TradingPlaces' advice on travel awards

VictoriaF, You should definitely call UA and ask them to book this trip. This itinerary seems reasonable to me and should be bookable. From my recent experience (I asked a question here and lots of FT), a stopover and open-jaw at the same place may cause issues. However you don't have that. It shoul...
by slbnoob
Tue Mar 17, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 230
Views: 158680

Re: Mango prepaid card - 4.8% (effective) APY

Okay. So neither me nor my wife can create an account online. CSR says "there is not enough public record. try after 6 months". He seemed like this was a regular complaint. May be it is their way of preventing further sign-ups. Guess I have to move onto NetSpend. Guess I have to move onto...
by slbnoob
Tue Mar 17, 2015 10:21 am
Forum: Investing - Help with Personal Investments
Topic: 529 as a gift
Replies: 4
Views: 570

529 as a gift

A friend had a child recently. I would like to open a 529 for his child, fund it with a small amount and gift this to him. Is this doable? Basically I have 2 steps: give the child a gift by opening a 529 with the child as beneficiary, then make his father (my friend) the custodian. As I see, it is a...
by slbnoob
Mon Mar 16, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 230
Views: 158680

Re: Mango prepaid card - 4.8% (effective) APY

Okay. So neither me nor my wife can create an account online. CSR says "there is not enough public record. try after 6 months". He seemed like this was a regular complaint. May be it is their way of preventing further sign-ups. Guess I have to move onto NetSpend. [OT comments removed by ad...
by slbnoob
Mon Mar 16, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Robinhood Investing App
Replies: 13
Views: 1792

Re: Robinhood Investing App

I have only installed it on my wife's iOS but have never used it. I'm waiting for 1) Android app, or web interface, 2) Roth IRA access.

Go to advanced search