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Re: Email security risk from staying logged in?

I don't really shut down my PC. Just restart after updates. It's logged in for as long as the cookie allows (30 days?)



The only risk is if you live with people who you don't trust, or I suppose someone physically breaking into your home. There is no virtual risk from staying logged in.
by tj
Sun Sep 14, 2014 12:54 am
 
Forum: Personal Consumer Issues
Topic: Email security risk from staying logged in?
Replies: 10
Views: 987

Re: FIOS

I switched from cable/Internet to FiOS in my old apartment, because FiOS was running a good deal and I was curious. Frankly, in terms of Internet, I didn't notice much of a difference. It felt about the same to me as the Internet I got through my cable company in terms of both speed and reliability...
by tj
Sat Sep 13, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 26
Views: 1484

Re: Feeling smug until 10 year ROR from Vanguard

18.1% , I didn't open an account at Vanguard til late 2011. (I was using Fidelity for a couple years before that)
by tj
Sat Sep 13, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Feeling smug until 10 year ROR from Vanguard
Replies: 68
Views: 5000

Re: Vanguard Tax Managed Balanced-Any owners

It seems like a reasonable long term fund for a high income investor.
by tj
Thu Sep 11, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Managed Balanced-Any owners
Replies: 50
Views: 10684

Re: Low Income Investor (Tax Concerns)

Investment Income must be $3300 or less for Earned income credit. This shouldn't be an issue for you.
by tj
Wed Sep 10, 2014 5:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Income Investor (Tax Concerns)
Replies: 31
Views: 1752

Re: New 2% cash back Mastercard from Citi

Actually, you come out more ahead by cancelling the Barclays before the first year is up and using the DoubleCash. I think it is silly to think of signup bonuses in terms of "X years of annual fee". You can keep the bonus and not pay the fee, so why would you willingly pay it? Actually, y...
by tj
Wed Sep 10, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: New 2% cash back Mastercard from Citi

From the link: And let’s just forget the fact that the Barclay card comes with a 40,000 point sign up bonus worth more than $400 and the Citi card comes with nothing… except odd terms and conditions to keep a balance. Because if you compare them on small spends and include the sign up bonus, the pr...
by tj
Wed Sep 10, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: Giftcards

I always sold them to sites like plasticjungle or gave them away as gift...or ended up using them.
by tj
Mon Sep 08, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Giftcards
Replies: 14
Views: 1204

Re: 25 Years 55 to 80 Thanks Boggleheads and Vanguard

Whoosh-----Where did those 25 years go? My first wife died at age 53 when I was 55 years old. I retired at age 58 and re married at age 59. Spent 22 years of the 25 living part of the year in New Zealand and the other part in California with many cruises and world travel in between, white water raf...
by tj
Mon Sep 08, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: 25 Years 55 to 80 Thanks Boggleheads and Vanguard
Replies: 6
Views: 1320

Re: When do you have too many credit cards?

There's no reason to close it. I probably have 20 cards. Many of them are sock-drawered. You never know when one of your sock-drawered card becomes more appealing than your daily cards due to reward program changes etc.
by tj
Mon Sep 08, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you have too many credit cards?
Replies: 16
Views: 1353

Re: How much life insurance do I need?

First of all, I want to thank you all for your advice and differing perspectives. I want to let you know where I came out. My wife and I are both going to have 800k 30-year policies. Maybe I'll have to fine tune that to get 900k for her and 700k for me. We came down more along the lines of using li...
by tj
Mon Sep 08, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1618

Re: Vanguard Lost $50k

It begs the question, has Vanguard gotten too big to provide excellent service? When someone says the will call back and fails to do so :( , not good. I hope this gets resolved satisfactorily. Sorry to hear this. Those posting about BofA, nothing surprises me with them. It does surprise me with res...
by tj
Sun Sep 07, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10601

Re: How much life insurance do I need?

I went for roughly 30 years 20x salary, which seemed like plenty, if I need to drop it down (or in the unlikely event, apply for more), after having some sort of dependent, then I will deal with it at that time.
by tj
Wed Sep 03, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1618

Re: 18 and Need Help Starting

That time frame is completely unrealistic for someone with a communications B.A., has no significant start-up capital, and who lives in a high-cost-of-living state like California. No, it isn't-see Jacob Fisker and Early Retirement Exreme- http://www.earlyretirementextreme.com OP-Don't be such a cy...
by tj
Wed Sep 03, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting
Replies: 30
Views: 1983

Re: Did you reveal to your kids...your savings and salary

My parents never told me how much they made, and from where I sit, it seems like a very odd conversation to have. That is, it's really none of my business nor all that relevant to my life. On the other hand, I do send them periodic updates on how I'm doing if only to not have them stress about where...
by tj
Wed Sep 03, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 6558

Re: Paper or plastic?

In our city, it is illegal to give out plastic bags. (I'm near the ocean, so that may be why) It's the first time I've seen so many paper bags in probably 20 years.
by tj
Mon Sep 01, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Paper or plastic?
Replies: 63
Views: 2826

Re: New 2% cash back Mastercard from Citi

This may be a good card to have, a better alternative to the FIDO 1.5% VISA for those occasions when AMEX won't be accepted. Normally it takes me more than a year to get to the minimum reimbursement amount on the Visa and Fido sure makes it convenient with auto-pay, auto-cash back to my Fido accoun...
by tj
Mon Sep 01, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: New 2% cash back Mastercard from Citi

This may be a good card to have, a better alternative to the FIDO 1.5% VISA for those occasions when AMEX won't be accepted. Normally it takes me more than a year to get to the minimum reimbursement amount on the Visa and Fido sure makes it convenient with auto-pay, auto-cash back to my Fido accoun...
by tj
Mon Sep 01, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: 18 and Need Help Starting

That time frame is completely unrealistic for someone with a communications B.A., has no significant start-up capital, and who lives in a high-cost-of-living state like California. No, it isn't-see Jacob Fisker and Early Retirement Exreme- http://www.earlyretirementextreme.com OP-Don't be such a cy...
by tj
Sun Aug 31, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: 18 and Need Help Starting
Replies: 30
Views: 1983

Re: New 2% cash back Mastercard from Citi

leod wrote:I called to convert my Forward card to this and CS says they cant to it and need a new application. Is this true?



Call again in mid september. Why would you wnat to convert the Forward though?
by tj
Sun Aug 31, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: I'd buy an S&P 500 index fund in a pinch

...An S&P 500 index fund is fine in a pinch, but I’m a total market index guy at heart. I'm a " large leading industries " guy at heart. :D I have a feeling Warren Buffett is too, which is likely why he picked the S&P500 for the passive index portfolio he's leaving his wife's trus...
by tj
Sun Aug 31, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5646

Re: New 2% cash back Mastercard from Citi

No foreign transaction fees is a plus for the Arrival card, but there are plenty of cards that don't charge foreign transaction fees, and the Arrival has an $89 annual fee. This card has no annual fee, so the breakeven is >$40,000 in annual spending. And I prefer straight cash back vs cash I have t...
by tj
Sat Aug 30, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: New 2% cash back Mastercard from Citi

mikep wrote:For anyone converting your dividend card to this one, do your rewards carry over? Dividend card rewards pay out at exactly $50 increments and I'm close to one, wonder if I need to top up before converting?


I wouldn't count on the rewards carrying over.
by tj
Sat Aug 30, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: New 2% cash back Mastercard from Citi

It looks like the card just isn't out yet, and they haven't finalized which network it will be on. Some websites say Visa definitively, some say MasterCard definitively, others say they "expect" either. Has anybody contacted Citi about it yet? I'm at work but will certainly call tonight w...
by tj
Sat Aug 30, 2014 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: New 2% cash back Mastercard from Citi

So I called Citi to convert my Dividend Platinum card that I never use to the new Double Cash card. "Oh the product is too new,and our systems are not updated. Sorry, I cannot convert it now. Call us in a few months." Really? Somebody else reported, I guess at a different froum, that you ...
by tj
Fri Aug 29, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: USAA Credit Card Offer

PFCU is running a special on several CC now. Charge $1,500 in 90 days (3 months) and receive $100.00. I didn't receive this offer. It's only for the first 90 days, i.e., for new cardholders. That's not a particularly good deal. The Chase Freedom has $100 after spending $500, and sometimes has $200 ...
by tj
Fri Aug 29, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 12
Views: 1097

Re: New 2% cash back Mastercard from Citi

i have been very happy with the capital one visa spark business card. 2% cash back on all purchases and a $300 signup bonus. they wave the $59 fee the first year and the signup bonus covers an additional 5 years. as an added bonus, no foreign transaction fees. i don't understand the "covers X ...
by tj
Fri Aug 29, 2014 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: USAA Credit Card Offer

OAG wrote:PFCU is running a special on several CC now. Charge $1,500 in 90 days (3 months) and receive $100.00.

I didn't receive this offer.
by tj
Fri Aug 29, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 12
Views: 1097

Re: New 2% cash back Mastercard from Citi

Just wondering why Citi structured the cash back like that - 1% when you buy + 1% when you pay off - instead of simply 2% like Fido AmEx. Is there a trick/catch somewhere? I would assume yes, in that they only have to give out the back half WHEN you pay it. If you carry a balance that might be a wh...
by tj
Thu Aug 28, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 185
Views: 18287

Re: Help with Vanguard Annuity decision

I don't recall Monumental having spectacular ratings....
by tj
Thu Aug 28, 2014 11:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Annuity decision
Replies: 7
Views: 727

Re: USAA Credit Card Offer

OK, I've been a member for quite some time (early 70's), and I 've never seen anything similar. USAA is offering me a $25 credit (woo hoo) if I go out and spend $1500 on my USAA MasterCard in the next thirty days. Aside from the fact that there is absolutely, positively, nothing I want to buy in th...
by tj
Thu Aug 28, 2014 11:49 pm
 
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 12
Views: 1097

Re: vacation destinations similar to Savannah or Charleston

More than Laguna Beach or San Diego, if you're looking for a neat area that is somewhat more like a Charleston or Savannah and on the West Coast, I'd consider Monterey, Pacific Grove, and Carmel, which are just south of San Francisco. They're Victorian towns located on a beautiful part of the coast...
by tj
Wed Aug 27, 2014 3:47 pm
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1557

Re: Mortgages and financial freedom

I have been debt free for a number of years now. Long before I learned how to invest properly. . When I owe money, there are extra restrictions placed on my life. I have chosen to eliminate those restrictions. That increases my freedom. I don't think it has much impact on my financial freedom becau...
by tj
Wed Aug 27, 2014 12:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6808

Re: Term Life Insurance Help

Seems reasonable.
by tj
Wed Aug 27, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Help
Replies: 16
Views: 726

Re: Paying for genealogy research?

I had a lot of fun with the spit test for 23andme.com. :-D
by tj
Tue Aug 26, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Paying for genealogy research?
Replies: 3
Views: 510

Re: vacation destinations similar to Savannah or Charleston

As someone who lives within 10 miles of Laguna Beach, it's really not that exciting of a place. If you're after a beach vacation, there has to be somewhere closer to you with warmer water.
by tj
Tue Aug 26, 2014 10:32 pm
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 24
Views: 1557

Re: Mortgages and financial freedom

I have been debt free for a number of years now. Long before I learned how to invest properly. . When I owe money, there are extra restrictions placed on my life. I have chosen to eliminate those restrictions. That increases my freedom. I don't think it has much impact on my financial freedom becau...
by tj
Tue Aug 26, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6808

Re: Chase Freedom reward changes in 2016

I'm still getting the 10 bonus points per transaction. Not surprising. Selective grandfathering seems to be deeply rooted in Chase's tradition. I opened a Chase Freedom in August 2012. I also have the Sapphire Preferred and Ink Plus. I still get the 10 points per transaction and the extra 10% bonus...
by tj
Mon Aug 25, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3594

Re: Chase Freedom reward changes in 2016

I'm still getting the 10 bonus points per transaction.
by tj
Sun Aug 24, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom reward changes in 2016
Replies: 25
Views: 3594

Re: Question Regarding Term Life Insurance Quote

I can't imagine an "A" rating would be a problem.
by tj
Tue Aug 12, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question Regarding Term Life Insurance Quote
Replies: 2
Views: 425

Re: average American eats out 203 times per year

Another interesting question is how much we spend at each meal. A 1/week restaurant habit where you spend $100 is about the same as spending $8/day on lunch and $40 on the weekend. But one comes out to 50ish restaurant meals, and the other comes out to almost 300. I spend around $600/month on food,...
by tj
Fri Aug 08, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6479

Re: Self Employment & Estimated Quarterly Tax Payment

Oh, so you get a W-2 for your capital gains? Does Vanguard send it to you at year end? I don't remember getting mine last year. I said capital gains. You said don't worry about capital gains. I said yes worry about capital gains. You then said withholding. I assumed you meant withholding from your ...
by tj
Wed Aug 06, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 470

Re: Self Employment & Estimated Quarterly Tax Payment

But it's required to be paid in equal installments, or you get penalties incurred, thus it requires extra attention vs a capital gains tax. That is simply not true unless perhaps one makes equal income in every quarter. And you don't even have to send in a 1040-ES or use EFTPS because you can simpl...
by tj
Wed Aug 06, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 470

Re: Marriage: Is it tax-friendly?

If you focus solely on marginal income tax rates, it is not. But consider other financial stuff. 1. No SS survivor benefits. 2. No widow pension benefits. 3. Can't use the other person's employer-based health insurance. I am sure there are other stuff too. Edited to add: The exclusion of $500,000 o...
by tj
Wed Aug 06, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage: Is it tax-friendly?
Replies: 50
Views: 2485

Re: Self Employment & Estimated Quarterly Tax Payment

But it's required to be paid in equal installments, or you get penalties incurred, thus it requires extra attention vs a capital gains tax. That is simply not true unless perhaps one makes equal income in every quarter. And you don't even have to send in a 1040-ES or use EFTPS because you can simpl...
by tj
Wed Aug 06, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 470

Re: Self Employment & Estimated Quarterly Tax Payment

Where does she eventually pay her SE tax? Look at lines 56 and lines 63 on her (or your) 1040. Note the order. 56 SE Tax 63 estimated payments tax minus payments and refundable credits is what you owe or get as a refund. SE tax is part of your income tax. It is not a tax that is reported separately...
by tj
Wed Aug 06, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Self Employment & Estimated Quarterly Tax Payment
Replies: 13
Views: 470

Re: Term4sale.com vs USAA vs both?

My understanding is they are more picky with underwriting than others. Thus, if you have any sort of health issue, don't use them?
by tj
Wed Aug 06, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term4sale.com vs USAA vs both?
Replies: 10
Views: 1023

Re: average American eats out 203 times per year

I eat out every meal. I look forward to visiting family and having homecooked meals, though I won't step foot in my own kitchen. :D
by tj
Wed Aug 06, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6479
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