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Re: To MBA or not MBA?

Congratulations on your admission. Are those rankings for their full-time program or the online version. Regardless, I would not pursue UC. Kelley as a whole has a good reputation. I don't know their online program, but one can assume it's probably good. That name will give you clout as you move for...
by slug
Fri Apr 04, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: To MBA or not MBA?
Replies: 57
Views: 4939

Re: Fitbit Wireless Activity Tracker (pocket pedometer softw

I have the flex. I love it, especially the ability use it in sleep (for the alarm). My wife has currently hijacked it as a way of night training our son away from Pull-Ups. Looking forward to getting it back. I reviewed it in more detail in Sept. http://sunkcostsareirrelevant.com/2013/09/fitbit-flex...
by slug
Thu Oct 03, 2013 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Fitbit Wireless Activity Tracker (pocket pedometer software)
Replies: 34
Views: 3509

Re: Merchant costs on 2% cash back cards

Really enjoyed this thread as a credit card rewards maximizer. Solid, civil discussion of players and incentives.
by slug
Thu Jul 11, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9885

Re: Who is the owner of the 529 Plan in your family? (Poll)

I am the parent. I opened it. I own it. I am the beneficiary. If at some point my child (now 7) gains admission to college, then he may benefit from it. Until then, it's mine.
by slug
Tue Jun 04, 2013 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who is the owner of the 529 Plan in your family? (Poll)
Replies: 25
Views: 1552

Re: CC autopay (debit) vs bank bill pay

Autopay 10 CC's and mortgage. Track all transactions in Yodlee. Never any problems - doing it this way for years.
by slug
Wed Apr 24, 2013 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: CC autopay (debit) vs bank bill pay
Replies: 44
Views: 2170

Re: Analyze this credit card offer

I've had this card as a backup to the too good to last Schwab card. Once the Schwab program ended, I took this one out of the drawer and put it into action. It works exactly as described and as far as I know is not headed for extinction nor has it changed its terms. CS on the card has been good. A c...
by slug
Sat Apr 06, 2013 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Analyze this credit card offer
Replies: 10
Views: 1194

Re: Net Worth: Loss of Control Angst

Perhaps a better way to look at your net worth is not in the price, but in how many shares you have accumulated. If you're not going to sell your investments for decades, then the current market price is somewhat irrelevant. I think this is the right idea, but it might be more meaningful to look at...
by slug
Thu Mar 28, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth: Loss of Control Angst
Replies: 36
Views: 3514

Re: Penfed Credit Union

Another fan of PenFed. Right now I only use it for the 5% VISA card for gas, but their CS has always been excellent. Still use ALLY and ING (Cap One) too though.
by slug
Wed Mar 27, 2013 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed Credit Union
Replies: 24
Views: 2147

Re: Net Worth: Loss of Control Angst

One alternative would be to redirect the focus you have had on investing and saving into working on your health and fitness so that you have a higher likelihood of living long enough to enjoy your money. Tracking how many time you exercise each month and how close you are to being at your desired w...
by slug
Wed Mar 27, 2013 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth: Loss of Control Angst
Replies: 36
Views: 3514

Re: Net Worth: Loss of Control Angst

There are lots of good response so far that I really appreciate it. Let me add some clarity: The mortgage is at $290k fixed at 4% with an effective rate of around 2.8% given deductions. I pay the minimum because I feel better continuing to build emergency fund and buying into the market. The educati...
by slug
Wed Mar 27, 2013 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth: Loss of Control Angst
Replies: 36
Views: 3514

Net Worth: Loss of Control Angst

I was going to post this on my blog (I still might), but I think the people best suited to help me are probably here. I'm in my late 30's, over-educated so I've only been working making good money for less than a decade. My only debts are student loans and mortgage. Both have rates so low that I wou...
by slug
Wed Mar 27, 2013 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth: Loss of Control Angst
Replies: 36
Views: 3514

Re: looking at BabyMint or Upromise

Can a person get enough back to even make a difference? We were trying to roughly estimate shopping trips at some of the participating retailers (Kroger, Target, etc.), the number per year and what we usually spend, to see if it would even make a dent. The problem is we live 2 hours from most major...
by slug
Tue Feb 26, 2013 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: looking at BabyMint or Upromise
Replies: 9
Views: 985

Re: looking at BabyMint or Upromise

I've been a Upromise member for at least a decade. As the site has evolved and the quality of the credit card rewards has eroded I've switched more and more of my spending away from the program. They disconnected the link with my plan (NC) because NC basically said they wouldn't pay to participate s...
by slug
Mon Feb 25, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: looking at BabyMint or Upromise
Replies: 9
Views: 985

Re: Legos

Best of both worlds here.

My kid gets new kits on special occasions and does the full build and displays them proudly. Happens to love Star Wars.

Thanks to my Mom, he also gets the creative piece because we retained a huge bin of my space and knight LEGOs. Nice father-son time too.
by slug
Thu Feb 14, 2013 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Legos
Replies: 52
Views: 4562

Re: New 401(k) "Save the Max" Calculator

Yeah, I just do it in Excel or on a calculator, but it's nice to have another option if needed.
by slug
Fri Jan 25, 2013 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) "Save the Max" Calculator
Replies: 27
Views: 2709

Re: Just Deleted Our Mint Account

I have a Mint account. Never been that impressed with its updating. I have had a Yodlee account longer. I love it. For me the benefits outweigh the costs. I sleep very well at night.
by slug
Thu Jan 24, 2013 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 8995

Re: Amazon launched AutoRip today!

After using Spotify for the past month, I'm convinced that this is going to be the bulk of music consumption in the future. When you can pay $4/month and have all you can eat music, any genre, any artist, any album, streamed in full, it's impossible to go back to CDs. It was a positively remarkable...
by slug
Fri Jan 11, 2013 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Amazon launched AutoRip today!
Replies: 23
Views: 3008

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1555.6
by slug
Thu Jan 10, 2013 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15411

Priceline 2% VISA potential ending?

Not trying to be alarmist as I haven't seen anything else posted on this, but one of the card affiliates for my blog announced that the commission program was ending. From my experience this happens when a card issuer has all the users they want. It can also be an early warning sign of the end of a ...
by slug
Wed Jan 09, 2013 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Priceline 2% VISA potential ending?
Replies: 4
Views: 588

Re: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas

You must not live in NJ where you can't self-pump. I had trouble with this card when I lived there too. PCR is a great gas card anywhere else though.
by slug
Mon Jan 07, 2013 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa Platinum Cash Rewards 5% Cashback on Gas
Replies: 21
Views: 1463

Re: Company 401k match included in yearly savings goals

My savings goals right now are limited to maxing the 401k and 2 Roth's each year. I do not really consider the company match because it has no importance in my goal of maxing everything out. If I set dollar goals, I would definitely include the vested portion in my overall savings goal. If I were co...
by slug
Mon Dec 17, 2012 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Company 401k match included in yearly savings goals
Replies: 22
Views: 1682

Re: Nonqualified Retirement/Deferred Comp "Opportunity"

Thank you grok for the simplification.
by slug
Mon Dec 03, 2012 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nonqualified Retirement/Deferred Comp "Opportunity"
Replies: 9
Views: 372

Re: Nonqualified Retirement/Deferred Comp "Opportunity"

A deferred comp plan can not be rolled over to an IRA. Whether you should participate depends, IMHO, on your age and how much you plan to put into it. If you are 5 - 10 years from retirement then I think they're generally a good risk. If you're 20 - 30 years away I'd pass. You should only have a mo...
by slug
Mon Dec 03, 2012 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nonqualified Retirement/Deferred Comp "Opportunity"
Replies: 9
Views: 372

Nonqualified Retirement/Deferred Comp "Opportunity"

My company recently was taken over by another. As we have moved beyond the initial merger, an "opportunity" has arisen for me as an HCE to enroll in a nonqualified retirement plan on top of my 401k. The details are: - $ go in pre-tax like a standard 401k - There is no match. - There is no ...
by slug
Mon Dec 03, 2012 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nonqualified Retirement/Deferred Comp "Opportunity"
Replies: 9
Views: 372

Re: MINT

I tried using Mint. But like other similar free online programs, I can't access many of my accounts including the account that contains 90% of my assets. I've tried resolving but the bank I'm trying to access doesn't allow sites like Mint to access their website. So I stopped using it. Unfortunate ...
by slug
Thu Nov 29, 2012 10:28 am
 
Forum: Personal Consumer Issues
Topic: MINT
Replies: 43
Views: 5026

Re: connecting pc to hdtv

I've had no issues jacking my HP laptop straight into Samsung flat screen. I don't do it that often, but occasionally basketball games I want to watch are only on ESPN3.
by slug
Thu Nov 29, 2012 10:22 am
 
Forum: Personal Consumer Issues
Topic: connecting pc to hdtv
Replies: 22
Views: 1294

Re: High Salary & High COL vs Low Salary & Low COL

I worked in NJ for a couple of years and leveraged that salary to move back down to NC. NJ salary goes a long way in NC even in the high COL area where I live. Thus, I definitely think it's worth it to spend at least a bit of time grinding it out in a high COL area if you can get the salary that com...
by slug
Thu Nov 29, 2012 10:20 am
 
Forum: Personal Consumer Issues
Topic: High Salary & High COL vs Low Salary & Low COL
Replies: 80
Views: 5744

Re: Getting promoted, how to ask for retroactive pay?

Unless I missed it in the thread, my impression is that the new boss is an employee just like OP. Boss has spent time with OP coming up with a new job description. It sounds as though you've had some bad experiences with greedy bosses. We probably all have. Unless I missed it, this boss has done no...
by slug
Tue Nov 06, 2012 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting promoted, how to ask for retroactive pay?
Replies: 35
Views: 2500

Re: AMEX to limit supermarket cashback

I'm starting to wonder if it is worth it to keep chasing these rewards cards to get whatever the current "best" card de jour happens to be. When the PenFed card modified its rewards I got an AMEX Blue Preferred to supplement. Now they're dinging the best part (for us - we have 3 kids whic...
by slug
Mon Oct 22, 2012 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: AMEX to limit supermarket cashback
Replies: 39
Views: 5642

Re: Rich ‘Dad,’ bankrupt Dad

Finally a lesson worth learning from Kiyosaki. Separate LLC's can save you from yourself.
by slug
Thu Oct 11, 2012 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Rich ‘Dad,’ bankrupt Dad
Replies: 18
Views: 3567

Re: US bank Promo offer

I'm going to second the Cash+ VISA card as well. I've had it a couple of months and am very satisfied. I have my mortgage and a platinum checking account with them as well. No issues on any of it.
by slug
Wed Oct 03, 2012 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: US bank Promo offer
Replies: 5
Views: 617

Re: So much for the 2% Cash Back Sallie Mae Visa card

I liked mine while it lasted, but I just got notice that, as of Oct. 26th, it will be transferred to Barclays to become a MasterCard with a different rewards program, which is much less favorable, in my opinion. Bummer. Yeah, this is lame. I really just my Fidelity Investment Rewards card was a 2% ...
by slug
Wed Aug 29, 2012 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: So much for the 2% Cash Back Sallie Mae Visa card
Replies: 41
Views: 4758

Re: Tax question: How to deal with FSA and business expense

Better deal, but legal? It's still unclear whether this is really a medical expense or a business expense. If the latter, it shouldn't be paid for out of your FSA. Also, consider that your FSA is limited by your contributions, so the effective benefit might be zero if you're going to use it up anyw...
by slug
Thu Aug 23, 2012 12:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax question: How to deal with FSA and business expenses
Replies: 12
Views: 1833

Re: Tax question: How to deal with FSA and business expense

Yes it was for illustration purposes, but I appreciate your detail. It seems like the FSA was probably the better path for us to go down anyway. So, we will not take the business expenses.
by slug
Wed Aug 22, 2012 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax question: How to deal with FSA and business expenses
Replies: 12
Views: 1833

Re: Tax question: How to deal with FSA and business expense

Thanks for all the replies. I will take these points back to my wife and see if she has any additional questions.
by slug
Tue Aug 21, 2012 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question: How to deal with FSA and business expenses
Replies: 12
Views: 1833

Re: Tax question: How to deal with FSA and business expense

What I was thinking was that perhaps I could deduct the taxed portion. So if my wife pays $100 on therapy and we get reimbursed $100 from the FSA and we pay a 25% tax rate at the maximum, then perhaps if we only claim $75 as a business expense, then that would be reasonable. Thoughts?
by slug
Mon Aug 20, 2012 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question: How to deal with FSA and business expenses
Replies: 12
Views: 1833

Tax question: How to deal with FSA and business expenses

This is a pretty specific question so apologies in advance to those who won't benefit from the read. My wife has a sole proprietorship psychology practice. As part of her and most practices, they go see a colleague for therapy/supervision. The cost of this can be written off as a business expense. H...
by slug
Mon Aug 20, 2012 2:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question: How to deal with FSA and business expenses
Replies: 12
Views: 1833

Re: current best cash back credit card?

Check out the US Bank Cash plus to pair with any 2% card. You get 2 5% cash back categories that YOU CHOOSE every quarter. Wait until you you get $100 in rewards and get an additional $25 debit card. Now you're up to 6.125%. Have a US Bank mortgage or loan? You can open a Platinum checking account a...
by slug
Mon Aug 20, 2012 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: current best cash back credit card?
Replies: 55
Views: 8887

Re: What other financial sites/blogs do you read?

Besides my own :wink: I love this forum, and I like savingadvice.com as well.
by slug
Thu Jul 26, 2012 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What other financial sites/blogs do you read?
Replies: 19
Views: 3005

Re: Pentagon Federal Credit Union Which Credit Card?

I like the PenFed CC that pays 5% cashback on gas and credited my monthly statement. Otherwise I use a Chase Freedom cashback (1%). I use that card too. The PenFed Platinum Cash Rewards Card. 5% on gas and automatic statement credit. Only use if for gas though. Almost every other card on the market...
by slug
Tue Jul 03, 2012 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Pentagon Federal Credit Union Which Credit Card?
Replies: 6
Views: 840

PenFed 10% cash back in Q3 Travel

Today I received (for the old Platinum card) a 10% cash back offer. Gotta love random quarterly rewards. Verbiage from email: PenFed is making your vacation even better this summer. Spend $1,000 on qualified travel purchases between July 1, 2012 and September 30, 2012 and we’ll give you $100 cash ba...
by slug
Thu Jun 21, 2012 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 10% cash back in Q3 Travel
Replies: 0
Views: 432

Re: Capital One Cash vs. Fidelity Amex Rewards

mike143 wrote:Priceline: viewtopic.php?f=2&t=97668


As Mike said, Priceline also has a 2% card. I use the Fidelity and rarely get declined. If so, I use the Sallie Mae 2% VISA as backup. I'm not sure if it's available anymore though.
by slug
Wed Jun 20, 2012 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One Cash vs. Fidelity Amex Rewards
Replies: 43
Views: 6775

Re: Reality check, please?

Adrian, I started out with emails and phone calls with family and a close friend or two (and continue with that); also wrote up a recommended reading list . When I found myself repeating myself a lot, I started a non-commercial blog for family and friends (click globe symbol to right if interested)...
by slug
Tue Jun 19, 2012 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reality check, please?
Replies: 13
Views: 1595

Re: Anyone succeed with an ING image upload deposit?

I deposited a Staples rebate check recently via image and it worked without issue, however that was via cellphone camera using ING Direct's Android app. Another App success story here. I downloaded it yesterday and deposited a check with no issue. Got an email that evening that everything went thro...
by slug
Thu Jun 07, 2012 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone succeed with an ING image upload deposit?
Replies: 28
Views: 3151

Re: Penfed Cash Rewards Card

Still glad I stayed the course and kept the old card. Mindless rewards redemption and great gas card.
by slug
Thu Jun 07, 2012 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penfed Cash Rewards Card
Replies: 31
Views: 4165

Re: 2% Cash Back with No Brokerage Account

Seems like a reasonable card to me. Redemption is a little strange, but it's workable. For me, I'll stick to Fidelity AMEX and Sallie Mae VISA for my 2% purchases. If either of these start to head the way of the Schwab VISA, I might get Priceline as a backup.
by slug
Thu Jun 07, 2012 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: 2% Cash Back with No Brokerage Account
Replies: 68
Views: 14598

Re: Full time income + side business

Will do.
by slug
Wed May 30, 2012 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Full time income + side business
Replies: 12
Views: 1613

Re: Social lending - worth the time?

I was another early lender on Prosper. P2P has come a long way since then. I was lucky to eke out a profit given all the misinformation Prosper was spewing. Be sure to check out Prospers.org to get the nitty gritty on this type of thing. Overall, the burden of doing the taxes was not worth it. Also,...
by slug
Wed May 30, 2012 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Social lending - worth the time?
Replies: 23
Views: 2280

Re: Full time income + side business

Is there anything I can do in 2012 with regard to increasing tax-advantaged retirement savings? If you aren't making a profit, then there's no profit-sharing contribution to be made. You have already maxed the employee contributions in the other 401(k), so there's nothing there. OK, great that's wh...
by slug
Wed May 30, 2012 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Full time income + side business
Replies: 12
Views: 1613

Re: Full time income + side business

I'm reviving this thread in the hopes of getting more information. My situation is only somewhat similar. I already max 401k and 2 Roth's using my full-time income. My side business is an LLC with 1 partner. I anticipate it will have no/minimal gross revenue in 2012. Is there anything I can do in 20...
by slug
Tue May 29, 2012 8:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Full time income + side business
Replies: 12
Views: 1613
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