Bogleheads.org

tfb wrote:

Savvy wrote:Is it 2% per transaction or per swipe of the card? (i.e. do I get 2% back for my monthly Netflix subscription which is recurring)

per transaction

What is the difference? 2% is 2%.

I've used yahoo for years, I am content with it.

It would be beneficial if you provide some of the info below: Does the 75k include closing cost? What are the terms of the mortgage or loan? What is the interest rate and how long is the loan? What is the portion of the property value that is depreciable? Are you going to pay utilities for the tena...

Bacchus01 wrote:Do they have a mortgage on the old house? When they move out of that old house and rent it, guess what's going to happen? The bank is going to find out and call the loan as it was not an investment loan.

Then what are you going to do?

Has this ever actually happened?

I'd also suggest you speak with your auto insurance company about what they offer for roadside assistance plans. Most are much better than the AAA offerings. I disagree with this. AAA claims have no effect on your insurance. My understanding is that if you do a towing claim through your insurance, ...

I'm confused. Didn't you ask essentially the same question a few days ago? Anyway, my advice is the same. No, Confused is someone else completely: http://www.bogleheads.org/forum/memberlist.php?mode=viewprofile&u=38087 No, john is right. There was another thread a few days ago. http://www.bogle...

$1500 for a "not complicated" return? Maybe I should start marketing myself as a tax preparer who will charge $1200 and get it done within a week. :D Another thing I've wondered is why when people use these tax preparers, how come the tax preparer doesn't efile for the client, you would th...

I read the OP and was hoping it was an April Fools joke...I guess not.

SobeCane wrote:Since Credit Karma is not a real score, does anyone know how the 3 credit reporting bureaus factor utilization that is less than 1%?

Probably depends on the card. Some may round down, some may round up, some may even credit your small balance to show 0.00 owed.

Reading this thread for advice... the most frustrating thing about trying to learn anything these days is that there are 10 contradicting views on any given subject. OP says for someone like me (24, saving, investing) I need to buy index funds with everything I can, and not look at my portfolio for...

I had it for the first three years on my condo and never used it. The week after my warranty expired, my dishwasher broke.

Figures...


That being said, the cost of a new dishwasher is cheaper than the cost of home warranty, so I don't really care.

Advice - buy in the next two weeks. Underwriting is changing in April in a bad way for purchasers for both Genworth and John Hancock, rates going up and underwriting standards getting tougher. Other companies are soon to follow suit. Use an independent agent that offers at least 3-4 different compa...

hope this is the correct sub forum... anyways, here is the info: we currently have a ~320,000 mortgage at 3.875% . (we actually refinanced a first time back in october, 2012) we are told we can get 30 year/3.625% when we are eligible to refinance again (no fee refinance, only pay for an appraisal w...

Do they allow in-service rollovers of employer profit sharing and/or after tax (not Roth) dollars? Perhaps you can roll parts of it over to an tIRA or rIRA at Vanguard. Nope. Every share, bond and mutual fund that I (or anyone in my family -- that was an interesting conversation with my wife) own n...

bluemarlin08 wrote:Are you suggesting that if one fails to pay his term insurance bill it could affect one's credit?

Isn't it true for ANY bill? Or do insurance companies just cancel the policy on their own?

My reasoning is that I want coverage for my whole life. I don't want to be in a hospital dying kicking myself at any age saying I wish I had done more to protect my family. I almost view it as an expense and a sacrifice that I'm making for the future generation. This is flawed thinking! Sounds like...

My accountant is telling me my income is too high to deduct any expenses on a 2nd home or rental home. My income is 250+ annual. Are there any loopholes around this? My wife does not have income currently. I am not a self business either, I work for a large corporation. The ability to write off 1\3...

Wealthfront reserves the right to use your supplied image and name in any and all promotional materials.

This seems sketchy.

I'm surprised there are still companies that let employees use their own cards and keep the rewards.

If the company is responsible for the costs and thus reimbursing the employee, you'd thnk they'd want the points.

If they are in a "fairly low" tax bracket, it really shouldn't matter if they hold taxable bonds. You can do the calculations to see if municipal bond yields come out ahead at their tax rate with the $50 transaction fee.

https://www.paypal.com/cgi-bin/webscr?c ... of-outside

PayPal instructs people to forward such emails to spoof@paypal.com I used to get them all the time, but that was like 5 years ago. I have no idea if PayPal actually did anything to stop the spoofs.

TSA Pre doesn't help you with the long customs lines, it only helps you with expedited security lines.

I took a year off to travel mid career. I was 34. Interviewing my way back to the workforce I found that people's response to it correlated greatly with their age. The over 50 crowd (roughly) looked at it really suspiciously, the younger crowd tended to think it was cool and were more than a tad je...

PS. They also have dozens of individual client pictures on their splash page. This is odd to see because the SEC strictly forbids client endorsements as advertising. Maybe these people aren't real clients - I don't know. They sure look real. I think I have an OK eye for stock photographs, and it wo...

Are you referring to Vanguard's branded product which they hire Ascensus to run or to Ascensus's direct-sold product? The former does offer the 10bps but I'm pretty sure the latter does not. Disclosure: I work within the retirement plan industry and over just the past year have analyzed more plans ...

You could also consider a Mexican resort. The water is a lot warmer down there, and it's probably cheaper, but there's definitely some sketchy parts.

In my opinion, you can't compare California's beaches to Kauai (or any of the islands, really). -If you want warm water, you pretty much have to go as close to Mexico as possible, so that would be the San Diego area beaches. I'm not even sure if the water is that warm down there, but would be warmer...

Do it! Put it on your resume. It's not a red flag. As the gentleman above put it, you'll likely get just interviews just BECAUSE you took time off to travel. Eh, while I agree it shouldn't be a red flag in the minds of many who are screening those resumes it will be. There is no reason to take that...

Basically the 401(k) plan that you get from Vanguard at $5MM is exactly the same as the one you get from Ascensus at $5MM. The only difference (besides Vanguard being $750 more) is that Vanguard gives a .10% discount on their Investor Share classes only. This is roughly the difference between the I...

Im interested in how does an average person like myself do better than the average retirement account.

Invest $17,500/year to your 401(k) in index funds. Over time, that should be better than the average retirement account.

I took a year off in my mid-20s to do the around-the-world trip thing. I had worked 2 years at a law firm, didn't particularly like job, and had no real commitments. In all, the travels took 241 or so days, and I visited 17 countries. With an around the world airline ticket through OneWorld, stayin...

from HR Block calculator: single, 30K wages, tax 2603 MFJ, 60 K wages, tax 5206 ........basically 2x single w/ 30K wages in line above MFJ, 30K wages, tax 1050 (did you type 55 or is my computer going wacky on numbers too?) Yeah, I got 55 with the $1000 Savers Credit. But still: tax 1050 vs tax 260...

If only you got the mortgage before you stopped being W2.

Yep, I love GOES. I think if you have a corporate Amex, you don't have to the pay the $100, or Amex will pay it or something. My dad got it for free via Amex, I had to pay the $100 for mine.

No. Just different tax tables for different filing statuses.

http://thefinancebuff.com/2013-tax-brackets.html

Just one more thing. If this person is calling themselves a "consultant" or that word is in the title, I would consider that a warning sign. Most insurance agents and brokers are paid by commission and do not charge a consulting fee and they are "not" consultants. So you are sug...

Dr Baseballdad94 here. I want to thank everyone who has provided advice regarding our investment concerns. My wife has been the champion in this area and has sparked my interests in the Boglehead philosophy. I met with my MS advisor today to discuss my concerns about our portfolio. Over the past se...

It looks those whose salaries significantly exceed the thresholds, say $500K a year for married couples filing jointly, should invest somewhere to realize some investment income, say 1K a year, to minimize the effect of ACA surtax. Could you expand on this? Useful discussion. In my example, a marri...

It looks those whose salaries significantly exceed the thresholds, say $500K a year for married couples filing jointly, should invest somewhere to realize some investment income, say 1K a year, to minimize the effect of ACA surtax. Could you expand on this? Useful discussion. I don't understand thi...

I know how you feel. I have the benefit of my family having a business, but after 3.5 years and showing no interest whatsoever, we all really would prefer that I at least try something else. Heck, I flew out to Iowa a few weeks ago for a federal job assessment. Plumbers do well, I presume because no...

I would say before you lose that stable income stream, re-finance that auto loan to PenFed to get that rate down substantially.


I don't have any other advice, but I was wondering how you got into "IT Security Analysis", and what don't you like about it?

I had some blood work done and the EOB confused the heck out of me.

The "claim" was for $2145.00, "patitent savings" $2008.09 with $136.91 due to be applied to deductible. The insurance company evidently paid absolutely nothing but apparently negotiated $2000 off the bill.

Although many, mostly younger investors, do allocate 90/10 there is some evidence that 80/20 gives almost the same growth with a lot less risk. There is also Bernstein's advice to never go above or below 75% stocks or bonds. Finally, Rick Ferri has a glide path approach which helps keep young inves...

It wasn't too many years ago that only state income taxes were deductible and not sales taxes. Folks in states without state income taxes felt they were being short-changed, so they got their reps to change the law so that they could deduct sales taxes. So the law used to be discriminatory, but is ...

29%

no

I'm a big fan of the wallets at http://bigskinny.net/

My dad got one from there and loves it as well. My mom kept buying him ones from various stores to try, but the one he picked out on the web is the one he actually uses.

sschullo wrote:Reach out to the 403b world, even if the effort costs more than 18 bps (it most certainly will).

???? https://personal.vanguard.com/us/whatwe ... ness/403b7

We had a property that we rented out and our initial mortgage was with Chase. The strange thing that happened was that Chase contacted us to refinance to a much lower rate while the property was rented out in 2011, and they refinanced with no closing cost. To this day I don't understand why they wo...

Lets just pretend for a second that we want to cover 40 years. There isnt any magical formula since you dont know when you might change in health. If i still pick 30 year term to start with then ill be over paying a decent amount on the first policy. If my health changes then well typically 30 is s...