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Re: Penfed 5% gas cash back card - ending?

I can confirm this USAA deal as well - it was an opt-in type deal on the website for me. 5% cash back on gas purchases for an entire year on my USAA Cash Rewards World Mastercard![/quote] Darn... I guess I must have missed the "opt-in" period, I don't see it available there for me. That wo...
by snapwa
Wed Jan 15, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card - ending?
Replies: 20
Views: 1599

Re: Penfed 5% gas cash back card - ending?

My USAA MC is granting a 5% bonus for gas purchases in 2014 so I have designated that as my CC of choice for the year for those purchases. I notice that my DC is also passing out 5% rebates for the first quarter of the year also. I don't use that much gasoline anyway. Say-wha-huh??? :?: I haven't s...
by snapwa
Wed Jan 15, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card - ending?
Replies: 20
Views: 1599

Re: Cash in Your Wallet

Very rarely do I carry around cash - usually only if I'm going out for an event that calls for it e.g. large group dinner/cover charge/cash only bar. There's only been a handful of times where I've truly been inconvenienced for not having cash on my person, and I find that I have a much easier time ...
by snapwa
Tue Dec 31, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Cash in Your Wallet
Replies: 93
Views: 4112

Re: 26y/o in 25% bracket should I even be doing Roth IRA?

I think you might want to consider increasing your 401k contribution. Every $ amount (within reason :happy ) that you can get out of the 25% bracket and into the 15% bracket is worthwhile IMO.
by snapwa
Fri Dec 20, 2013 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 26y/o in 25% bracket should I even be doing Roth IRA?
Replies: 14
Views: 1510

Re: Will I be too cash poor?

I don't think that will be a problem at all, especially since you have enough emergency fund. In my case, my "cushion" (take home - budgeted expenses) is nearly zero after 401K and ROTH IRA since I like to contribute as much as possible to the retirement saving, and it's been fine that wa...
by snapwa
Fri Jan 25, 2013 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will I be too cash poor?
Replies: 17
Views: 2332

Re: Will I be too cash poor?

I would agree I think you should be ok, especially as a single without debt. There is also 2400 a year you aren't accounting for to help you out. Also, it appears you might be in the 15% bracket: 57k-8.55k-3.9k-6.1k-3.25k < 36.25k MrMatt2532, I'm guessing that the 6.1k is the standard deduction, bu...
by snapwa
Fri Jan 25, 2013 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will I be too cash poor?
Replies: 17
Views: 2332

Will I be too cash poor?

I understand this topic might lead to quite a few subjective responses, but I'm still interested to know what people think... Thoughts on whether I'm leaving myself with enough after-tax cash? disclaimer--> *rough draft breakdown below, I might have messed up some calculations* Bi Weekly Paycheck br...
by snapwa
Fri Jan 25, 2013 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will I be too cash poor?
Replies: 17
Views: 2332

Re: I've fallen into a market timing trap

First, you missed a 12% run up. That's like $600. Over a lifetime, that's no big deal. Second, this is your third of what will be hopefully many more yearly contributions. This makes it no big deal. Either dump it in and forget it or DCA it in weekly over the remaining time in which you have to con...
by snapwa
Fri Sep 14, 2012 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've fallen into a market timing trap
Replies: 20
Views: 1381

Re: I've fallen into a market timing trap

Just lump it in or DCA over the final months of the year. Do not drag this out. So basically, I have much more to gain in the long run by contributing sooner rather than later. OK, yeah that definitely makes sense and seems kind of obvious now after writing it out. I think I just needed to hear it ...
by snapwa
Fri Sep 14, 2012 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've fallen into a market timing trap
Replies: 20
Views: 1381

Re: I've fallen into a market timing trap

barnaclebob wrote:Is this a Roth IRA?


Yep, it's a Roth.
by snapwa
Fri Sep 14, 2012 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've fallen into a market timing trap
Replies: 20
Views: 1381

I've fallen into a market timing trap

Hi everyone, Currently, I have a Vanguard Target Retirement 2055 Fund with 10k in contributions. I started in 2010(Age 22), and have done the full '10 and '11 contributions. Like many of you have probably done, I experimented with contribution methods. The 2010 contribution was a full lump sum buy i...
by snapwa
Fri Sep 14, 2012 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've fallen into a market timing trap
Replies: 20
Views: 1381

Re: Financial Education

All of these links have been great so far. I know this stuff is all on the internet somewhere, but I think everyone searches for things a little bit differently, so it's really helpful to get linked to the pages that don't come up during my web searches.
by snapwa
Tue Nov 29, 2011 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 8
Views: 649

Re: Financial Education

PatchBeagle, Awesome, thanks for the reply, I think you gave a good overview of important topics. Do you have any specific ideas about teaching the "Moving from savings to investing" bullet point? I'm a little worried about emphasizing that point when many of these people probably aren't p...
by snapwa
Tue Nov 29, 2011 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 8
Views: 649

Financial Education

Hi there, I'm an Americorps Vista working for a non profit called SNAP in Spokane, WA. Currently, we are working on an initiative called Bank On (http://joinbankon.org/), which is a brand new national program designed to help low income residents engage in traditonal banking methods. There are a lar...
by snapwa
Mon Nov 28, 2011 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Education
Replies: 8
Views: 649

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