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Re: The ultimate Boglehead exercise

Lies. The ultimate Boglehead exercise is tightrope-walking.
Because when tightrope-walking, one is perpetually rebalancing. :wink: :beer
by winglessangel31
Thu Jul 24, 2014 2:35 am
 
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead exercise
Replies: 30
Views: 3765

My friend's statement on an engagement ring and wedding

She said to her boyfriend: "If you're gonna pay for an engagement ring, I'd rather you pay off my student loans first!"
She said to her parents: "If you're gonna pay for my wedding, I'd rather you pay for my Master's first!"

She's 23. :sharebeer
by winglessangel31
Thu May 22, 2014 2:42 am
 
Forum: Personal Consumer Issues
Topic: My friend's statement on an engagement ring and wedding
Replies: 32
Views: 2691

Re: Skip IRA for 1 year to buy engagement ring

I hope people will indulge a slightly early Mother's day repost on this topic. I posted this last year, but it was my late mother's favorite story Re: How Much Did You Spend on Your Engagement Ring?? Postby Professor Emeritus » Sat May 11, 2013 10:31 pm Nothing on the stone. When I was 9 years old ...
by winglessangel31
Wed May 07, 2014 1:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13073

Re: Skip IRA for 1 year to buy engagement ring

Is she making Roth contributions? If not, put it in her account! It would always be there for her until she needs it!!! This is actually quite a clever suggestion. It speaks to your values. And it is a sure sign of commitment. At least I would have no qualms about proposing this. She might surprise...
by winglessangel31
Tue May 06, 2014 3:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13073

Re: New Car. Finance?

jda wrote:I would finance it. Even if you open a money market account at Penfed, you can get 1.5% for 5 years.

Exactly. Although I'd go with Barclays instead (at this very moment) for 2.25% / 60 months. There might be a few other better rates, but those don't hit me as the easiest banks to deal with.
by winglessangel31
Sun May 04, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Car. Finance?
Replies: 9
Views: 626

Re: Can you contribute $17,500 to a 401a AND 403b?

I have both options at my work and from my understanding I thought you could max out both at $17.5k each for a total yearly contribution of $35k, and also have no problem maxing out my roth ira at $5,500 in addition to that. Am i wrong? If you really mean 401a, then I'm confused as to why you think...
by winglessangel31
Sun May 04, 2014 3:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you contribute $17,500 to a 401a AND 403b?
Replies: 15
Views: 1999

Re: $400 reward to open Chase accounts

What's the interest on the savings account? Looks like $200 on $15K is about 1.3%. Think I can get that much elsewhere. $200 on the $1500 checking account sounds a lot more interesting. How soon can I close the thing after collecting the $200? As mentioned, you need to keep the account for 6 months.
by winglessangel31
Mon Apr 28, 2014 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: $400 reward to open Chase accounts
Replies: 15
Views: 4115

Re: Easy

1. Surf to GoDaddy and buy your own domain. Get only a .com. Find a promo code using the Google (irony alert). 2. Mail costs no more than $5/month. Nothing to really set up. Um no. Don't use GoDaddy, they are a pain to deal with and have some pretty annoying policies. After messing with them for a ...
by winglessangel31
Sat Apr 26, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Gmail alternative recommendations?
Replies: 81
Views: 17998

Re: POLL: why carry cash?

Back to the question. Why carry cash? (in no particular order) 1) Most vending machines accept only cash. 2) Most local merchants (bakery, panaderia, etc.) accept only cash on small purchases. 3) Most low cost grocery options - Aldi, UGO, Woodmans - do not accept credit cards. I refuse to pass up o...
by winglessangel31
Wed Apr 23, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13415

Re: POLL: why carry cash?

Clearly, the issue isn't with credit card or cash, it's with one's willpower and wisdom. There really exist people like us who are "above average". Junk food hanging near the cash register bought in my life - zero. I'll pass too. In my mind, $5 in cash is the same as a $5 token retrievabl...
by winglessangel31
Sun Apr 20, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13415

Re: POLL: why carry cash?

Behavioral economics experiments show that people behave more honestly and make more prudent decisions when they use cash. An example of the former is that when students were getting cash for completing puzzles they were cheating much less than when they were receiving a token retrievable for cash ...
by winglessangel31
Sun Apr 20, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13415

Re: Barclays CD 60-month at 2.25% APY

Also consider I Bonds, for which your return will be linked to inflation, state tax-free, and Federally tax-deferred. Annual purchase limit is $10K per individual, and you can buy an additional $10K for your living trust. According to another thread, the rate starting May 1 will be in the ballpark ...
by winglessangel31
Thu Apr 17, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1626

Re: Barclays CD 60-month at 2.25% APY

Barclays is easy to work with; I had a couple of CDs with them, and it was easy to do early withdrawals to take advantage of a better deal that came up at PenFed (3% 5-year). Their online savings account rate also usually is among the top rates--currently 0.90%. I looked on the Penfed website awhil...
by winglessangel31
Thu Apr 17, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1626

Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bo...
by winglessangel31
Thu Apr 17, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1626

Re: Let's say we live for 150 years...

How would you invest if you were starting out in your career at age 25 and know you would live until age 150? It probable helps to look at the very long-term return of assets classes and what makes them tick. That's what I took a stab at in this article: A Million-Mile View Of Investment Value Rick...
by winglessangel31
Thu Apr 17, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Let's say we live for 150 years...
Replies: 20
Views: 3765

Re: Barclays CD 60-month at 2.25% APY

You mention that this money won't be put to use "until late". If that means 20 years or more, and you're relatively confident that you won't have to access the money, what about maxing out on EE bonds, if only for part of the money you're speaking of? Per the wiki section on EE savings bo...
by winglessangel31
Thu Apr 17, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1626

Barclays CD 60-month at 2.25% APY

I'm 2 weeks late, but Barclays just announced a 2.25% APY 60-month CD with no minimum amount that's FDIC insured and has a 180-day early withdrawal penalty. I know I can do much worse, but can I do much better? :wink: :greedy I'm maxing out tax-advantaged accounts and have no taxable accounts in the...
by winglessangel31
Thu Apr 17, 2014 2:26 am
 
Forum: Investing - Theory, News & General
Topic: Barclays CD 60-month at 2.25% APY
Replies: 16
Views: 1626

Re: Use credit cards to pay rent: Amex Serve?

Your assumption is that the landlord is not already receiving $1000 in payments every month. My renters could not assume that as I was already churning with mine - *I* wanted to get the points, not give them away for free to my renters. Hence the use of Paypal (or Serve or Square). I am totally con...
by winglessangel31
Tue Apr 15, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use credit cards to pay rent: Amex Serve?
Replies: 56
Views: 5650

Re: New PenFed CD rates!

Sheepdog wrote:
nsisson wrote:Looks like they are back down to 1.5% for 5 and 7 years CDs. Was the 3% just a one time thing?

Yes, it was.

According to crowd knowledge, PenFed's rates are the best every December/January. Come back in 8 months!
by winglessangel31
Fri Apr 11, 2014 2:50 am
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 35060

Re: Passport validity: Do I need at least 6 months?

dgdevil wrote:
winglessangel31 wrote:I never said it was a US passport. :twisted: The risk was upon reentry...


The rule covers ALL 3rd party nationals.

The risk was the CBP officer not letting me enter this country.
by winglessangel31
Fri Apr 11, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3446

Re: Passport validity: Do I need at least 6 months?

It's all about risk tolerance. I took the risk and left the US for the Schengen area when my passport had <6 months validity (a renewal did not happen as planned because of paperwork technicalities) and returned on <5 months validity, and did not encounter any trouble. YMMV, and your dice are in yo...
by winglessangel31
Fri Apr 11, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3446

Re: Preventing Office Theft of Food and Other Stuff

dm200 wrote:
rob wrote:http://www.thisiswhyimbroke.com/fake-mold-anti-theft-lunch-bag - It's a sandwich bag that has fake mold as part of the plastic :-)


I love it!

If it looks moldy (or is ages-ago expired), I throw it out for the greater good, even if it's not mine. ;)
by winglessangel31
Fri Apr 11, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 6700

Re: Passport validity: Do I need at least 6 months?

It's all about risk tolerance. I took the risk and left the US for the Schengen area when my passport had <6 months validity (a renewal did not happen as planned because of paperwork technicalities) and returned on <5 months validity, and did not encounter any trouble. YMMV, and your dice are in you...
by winglessangel31
Fri Apr 11, 2014 12:06 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3446

Re: I don't want to upgrade XP just yet, is that ok?

jackpullo997 wrote:
thebogledude wrote:Total: 427.89


Total research/shopping/assembly hours = 20
Net cost at $100/hr oppty cost = $2427.89

Sorry to burst your bubble, but I think you're way overestimating your opportunity cost. :shock:
by winglessangel31
Tue Apr 08, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7132

Re: I don't want to upgrade XP just yet, is that ok?

I am not a "hacker" who steals information from computers and I know diddly about computer security, but here's my unfounded speculation. I would think that if I were a hacker, ,since this has been in the works for such a long time (termination of XP support), that they would be planning ...
by winglessangel31
Sun Mar 16, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7132

Re: I don't want to upgrade XP just yet, is that ok?

People who say they have outdated computers hooked up to the internet that are not infected might not know that their computers are.
Most of the time, if you are infected, it doesn't affect your own computer. You become a botnet host, and become a scourge to everyone else. :annoyed
by winglessangel31
Sun Mar 16, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 7132

Re: Should I pay off my auto loan?

Note : You want to leave a "substantial enough" amount on the loan unpaid , because if it's not enough, they might just write off the remaining amount. Having an open loan on your credit history is actually often better than having it closed, counterintuitively. Is this really necessary? ...
by winglessangel31
Sat Feb 22, 2014 5:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my auto loan?
Replies: 24
Views: 3331

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png Except don't use "correcthorsebatte...
by winglessangel31
Tue Feb 18, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: best tips for passwords?

I find it really intriguing that people are so comfortable with password managers that they'd trust the password manager to do all the memory work. I find it also really intriguing that people are so comfortable with putting all eggs in one basket. Lose the master password/account, lose everything. ...
by winglessangel31
Tue Feb 18, 2014 3:19 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: Advice for computer science student

Thanks again, folks! It's a private university ranked Tier 1 by US News (top 150). She definitely has the aptitude but interest wise, maybe just a little. She seems to be enjoying working on her homeworks so who knows? She might really start liking it in the future. She enjoys problem solving and t...
by winglessangel31
Tue Feb 18, 2014 3:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice for computer science student
Replies: 33
Views: 2427

Re: Should I pay off my auto loan?

Thought about what you thought about, except that my credit history is in much better shape, because of all the work I put into it, and no thanks to parents or co-signers. My credit history is barely 2 years old, but because of diligence, I'm on solid ground. The car loan I'm keeping open for the sa...
by winglessangel31
Mon Feb 17, 2014 4:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my auto loan?
Replies: 24
Views: 3331

Re: best tips for passwords?

I never suggested using the same password everywhere. :) winglessangel31, I think you missed my point. I really like your comic and suggested technic. Actually thought about implementing it until I considered other challenges that I still need to face. Such as... - changing passwords every 90 days ...
by winglessangel31
Mon Feb 17, 2014 2:54 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: best tips for passwords?

i wish lastpass and the like were practical for me. i do much of my internetting at work, behind a massive company firewall/filter that won't let me download or use any outside software. makes using lastpass or other similar password generating software impossible. anyone have any ideas to circumve...
by winglessangel31
Mon Feb 17, 2014 2:44 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: Should I become sole provider for fiance?

I didn't even understand the wording of option 4, "No, do not become sole provider, enjoy the generosity while you can." Op should enjoy what generosity ? I am a female and if I were your fiance, I would be grateful for the generosity you have already shown so far and would expect no more...
by winglessangel31
Mon Feb 17, 2014 2:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6310

Re: best tips for passwords?

Before this escalates and more people do it, it's always a risk that in a thread asking for password tips people start posting real examples of what they do. Your online identities are not that hard to reconcile. :oops: :!: :!: :shock:
by winglessangel31
Sun Feb 16, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png Except don't use "correcthorsebatte...
by winglessangel31
Sun Feb 16, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: best tips for passwords?

I don't use Lastpass as a create-complex-password-then-forget tool because I like to know my passwords and know that I can use any device out there to get to my accounts. But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png Except don't use "correcthorsebatter...
by winglessangel31
Sun Feb 16, 2014 2:07 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10263

Re: Should I become sole provider for fiance?

I have been working for the past 5 years and earn a modest income. I am recently engaged and my fiance has 2 more years of school left to go in her graduate program. We do not plan on getting married for at least another year. We'll be a middle class family when it's all said and done most likely. ...
by winglessangel31
Sat Feb 15, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6310

Re: Advice for computer science student

The gf is back in school getting a Masters degree in CS. She has a BS and MS in English/Education. The program has a prerequisite component. 8 classes that cover the basics (programming, data structures, discrete Math) and then 14 or so classes that are the real MS classes. To give you a bit more b...
by winglessangel31
Sat Feb 15, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for computer science student
Replies: 33
Views: 2427

Re: A $1000 lesson on how manipulative salespeople can be?

Thanks everyone! I appreciate your comments. I will watch those movies and remind myself that selling to people who don't want to buy is their job. I will stop carrying my credit card with me so I can only get myself into so much trouble. I'm am thankful I got them down to $1k. It's just that my an...
by winglessangel31
Sun Feb 09, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 107
Views: 16936

Re: Taxes for F-1 Visa Non-Resident

Thank you to everyone's reply. She has been here less than 4 years for college only, so I believe she is classified as a non-resident alien. It looks like she will be owing Uncle Sam about $500 unless there's something I'm missing because she has no deduction or credits. Non-resident alien classifi...
by winglessangel31
Sun Feb 09, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for F-1 Visa Non-Resident
Replies: 7
Views: 516

Re: Taxes for F-1 Visa Non-Resident

There should be a personal deduction of 6,100 and exemption of 3,900. So taxes should really be on $3,000 of the income unless there is something not listed in your post. When I was on an F1, I did the 1040 NR EZ and 8843 - given that it looks like there are no complex scenarios for this person, th...
by winglessangel31
Sun Feb 09, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes for F-1 Visa Non-Resident
Replies: 7
Views: 516

Re: What interest rate did you get on your car loan?

Where would I invest the money in the sinking fund and what interest rate could I get for it? If I can't get > 3% guaranteed for it, then a sinking fund doesn't make sense for my situation. I could set aside $25k for my sinking fund and make say 1% on it. In 5 years, that will grow to $26,275 (even...
by winglessangel31
Wed Feb 05, 2014 6:05 am
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4204

Re: What credit cards do you recommend?

by Jack FFR1846 » Tue Feb 04, 2014 6:55 am Be careful with the Amex Blue Cash (non preferred). The rewards are extremely low until you spend $6500 in the calendar year. I used this in the past when I could put business expenses on it. A bunch of airline flights and hotels got me up there quickly. I...
by winglessangel31
Wed Feb 05, 2014 5:58 am
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 7845

Re: How do you pay your PenFedVisa gas card?

Julieta wrote:Cash rewards Visa, with 5% off gas

You get statement credit automatically. No choice. ;)
by winglessangel31
Sun Feb 02, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: How do you pay your PenFedVisa gas card?
Replies: 19
Views: 831

Re: How do you pay your PenFedVisa gas card?

Julieta wrote:Got it G, I thought there was a cash back credit option like my Discover card. But alas, only store credit. I'd rather have the cash back on the statement.

To confirm what you're saying, you didn't get the PenFed Platinum Cash Rewards Visa, yes? You got the PenFed Platinum Rewards Visa Signature?
by winglessangel31
Sun Feb 02, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: How do you pay your PenFedVisa gas card?
Replies: 19
Views: 831

Re: What credit cards do you recommend?

I'm looking to replace a credit card and many mentioned the Amex Blue Preferred for the 6% grocery discount. Sounded good, but everything I can find shows that card has a $75 annual fee. What about the other cards mentioned? You think it's worth using cards with fees? Thanks. There is a fee and tha...
by winglessangel31
Sun Feb 02, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 7845

Re: Help for teen with 5-figures to invest

stan1 wrote:I would absolutely use this money to pay for college if the alternative is student loans.

I'm not quite sure - don't student loans calculate interest only after graduation? That's 0% for 4 years! :P
by winglessangel31
Sun Feb 02, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for teen with 5-figures to invest
Replies: 16
Views: 1146

Re: How much financial support should you give your kids?

The gift would come with caveats, though. Then it's not a gift. Along a similar line, if you've raised your children to adulthood and can't honestly trust them to know how to use money wisely, perhaps you need a few more years to impart those values (a much better gift!) before giving the monetary ...
by winglessangel31
Sun Feb 02, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much financial support should you give your kids?
Replies: 53
Views: 3348

Re: Advice wanted on PenFed's 0.49% car-buying service

Oh I already bought the car months ago. :P I was just pointing out how the interest rate has plummeted. Now to convince PenFed to refinance my auto loan... >.< :greedy To complete the thread, I did purchase the car with the $1500 Hyundai Motor Finance discount, and financed with them at 2.99% for 6...
by winglessangel31
Sat Feb 01, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on PenFed's low-rate car-buying service
Replies: 22
Views: 4319
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