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Re: American Express Blue preferred vs Sallie Mae Mastercard

I just had a very troubling experience with my Blue Cash Preferred. I wished to redeem my rewards as a statement credit. I tried doing it online and got a window which raised questions since an icon for Bonefish Grill appeared in the middle of the window. I called customer service 3 times. In the f...
by yolli71
Fri Feb 27, 2015 9:05 am
 
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 35
Views: 5924

Re: American Express Blue preferred vs Sallie Mae Mastercard

Has anyone tried buying gift cards in a grocery store with the Blue Cash Preferred? Technically they will not earn the 6% as a cash equivalent, but I suspect that it's not detected nor enforced. I have tested the purchase of gift cards in a grocery store with the Sallie Mae and you do earn the 5%. ...
by yolli71
Fri Feb 27, 2015 8:49 am
 
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 35
Views: 5924

Re: 2 comma club (my way)!!

Congrats!!!
by yolli71
Fri Feb 20, 2015 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5053

Re: 529 Lump Sum contribution for newborn

We made the max lump sum contribution for both of our kids within a year of their birth. I know we didn't have to make that kind of contribution right away, but it sure felt good to minimize or eliminate a future financial burden. I've never spent time worrying that I've saved too much for our chil...
by yolli71
Sun Feb 15, 2015 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 1846

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 1846

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 1846

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 1846

eyeball recessed lights

We are looking to replace the old eyeball recessed lights over our fireplace as we find them to be pretty ugly. Does anyone have any suggestions on a more modern replacement? I didn't notice anything at my local Home Depot...are there more attractive recessed light options that serve the same purpos...
by yolli71
Sat Feb 14, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: eyeball recessed lights
Replies: 1
Views: 172

Re: What Movie Have You Recently Watched?

Hobbit Part 3. I really have severe reservations about the whole trilogy. It should never have been a trilogy in the first place. It's difficult to swallow the changes from the book for someone who owns a copy of the 2nd ed. of the original. Nonetheless the visuals based on the work of Alan Lee mad...
by yolli71
Sat Jan 24, 2015 9:47 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 563
Views: 68807

Re: Amazon Prime Is $72 Tomorrow for New Users

I love our Prime membership. Besides the 2 day shipping and streaming videos, Prime now also does free streaming music and my new favorite...unlimited free photo cloud storage. All pics taken on my iPhone automatically are uploaded to the Amazon cloud and can be accessed from anywhere. I now have 3,...
by yolli71
Sat Jan 24, 2015 8:48 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2944

Qualify for 2015 Roth?

Basic question for all... If I'm in a position where I know I may not qualify for a 2015 Roth contribution (due to unknown income this year such as possible bonuses, etc.), should I just go ahead and do the Backdoor Roth now (even if I find out later I would have qualified for a traditional Roth at ...
by yolli71
Mon Jan 12, 2015 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Qualify for 2015 Roth?
Replies: 3
Views: 355

Re: Experience with Target Redcard?

Yep...my wife shops at Target all the time and uses the credit REDcard. As others have mentioned, the perks are: 5% off, free shipping, and an extra 30 days on returns. As an added bonus, they also donate 1% of all your REDcard purchases to any school of your choice (our donations go to our kids ele...
by yolli71
Sat Nov 15, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3770

Re: Minivan time! Opinions on 2013 Town & Country, Please

ReedMan -- We were in the market for a minivan in 2012. We didn't consider the T&C b/c my wife said she wanted a reliable Japanese vehicle (not to imply that T&C is unreliable). After looking at and test driving the main options, we elected to go with the Nissan Quest. I know Nissan isn't as...
by yolli71
Fri Aug 15, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2193

Re: Public Speaking-help

Tom, I can relate and I truly feel your pain. A lot of the people who are telling you to just "power through it," "make sure you know your material," "get a good night's rest," etc., don't really understand that this is more about a true debilitating anxiety than it is ...
by yolli71
Sat Jul 26, 2014 9:14 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5767

Re: Apple TV

As mhalley said, it's all about your internet speed. You probably have to upgrade your speed. Also, if possible, hook the internet ethernet cable directly into the Apple TV (instead of using a wireless network). I personally use wireless and it works just fine, but doing the direct hookup would give...
by yolli71
Fri Jul 18, 2014 7:52 am
 
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 4938

Re: Best website for airfare?

Thanks everyone! I'll check these out.
by yolli71
Fri Jul 04, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 3372

Best website for airfare?

I'm looking to travel from DC to San Diego sometime this year to visit family. I can take this trip just about any time, so I'm looking for a website that can provide me quotes for the cheapest flights based on an "open" schedule. In other words, what are the cheapest months & days of ...
by yolli71
Thu Jul 03, 2014 8:10 am
 
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 3372

Re: do you lie about your finances to friends

I wouldn't say I "lie," but I'm selective about the info I provide. I'm very open about my salary b/c most of my friends make more than me and I'm a federal employee (where finding that out would be pretty easy anyway). What I don't tell is how much I "have" due to my savings. I'...
by yolli71
Wed Jul 02, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 10187

Re: Will adding [air duct] returns cool the upstairs bedroom

We have had some HOT weather in the DC area in recent weeks. How are things going with your cooling situation? Actually not that bad. Now that we've had some really hot weather, this is what I have discovered: the air seal/insulation in the attic I had done last Oct. has definitely helped...it just...
by yolli71
Tue Jul 01, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: favorite mid/low-priced Caribbean locale?

Jamaica and Dominican Republic will give you the best bang for your buck. I know you can get direct flights into Punta Cana and I'm pretty sure you can into Jamaica as well (probably Montego Bay).
by yolli71
Thu Jun 26, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3574

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by yolli71
Wed Jun 25, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2598

Re: Anyone regret paying off mortgage early?

I'm the OP and sorry to bring up a 2 year old thread. We finally paid off the mortgage last September. If we hadn't paid off, we would be better off now with the higher equity return (~15%). Nevertheless, I don't regret paying off the mortgage. Human psychology is a funny thing. The only regret is ...
by yolli71
Fri Jun 20, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38965

Re: Experience with PenFed refinance

If you want a great deal, I say definitely give them a shot. If you want a worry-free quick settlement, look elsewhere. They take a long time to close and they're very picky as far as underwriting guidelines (but that's probably why they offer such great deals). If you're a "clean" applica...
by yolli71
Thu Jun 19, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 72
Views: 4899

Re: Will adding [air duct] returns cool the upstairs bedroom

I wonder if it's possible that the ductwork in the attic gets warmed up enough in the hot attic to produce air that isn't as cold as it should be? What's the temperature of the air coming out the AC vents compared to the temperature at the return air? I believe the vents should be 15-20F cooler tha...
by yolli71
Mon Jun 16, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: Buying a new mattress and bedding

How long on the Tuft and Needle? Only 2 months so far, but absolutely NO signs of any sagging at this point. The mattress is fairly firm and has no pillowtop (yet is comfortable), and it does not have any memory foam (another thing I don't like about most of today's mattresses). It's apparently mad...
by yolli71
Mon Jun 16, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3442

Re: Will adding [air duct] returns cool the upstairs bedroom

Are there doors between the main and upper floors? If not the air can stratify on its own - trying to lower the temp upstairs just results in the cool air flowing down the stairs. Stairways are very large air ducts :-). We have a 3 story house, and shutting the door at the top of the upper stairs h...
by yolli71
Mon Jun 16, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: Buying a new mattress and bedding

I'm curious how you buy a mattress at Costco. I'm not a member but have shopped in Costco a few times with friends. I've never seen a mattress there. Do you just buy what you think you want online? Yes, that's exactly what you do. They do on occasion have mattresses in their warehouse, but it's not...
by yolli71
Mon Jun 16, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3442

Re: Buying a new mattress and bedding

I have bought 2 mattresses within the past 8 months and 3 within the past 5 years...it is definitely a frustrating experience. I have learned a lot over this time and have one of 2 recommendations: buy your mattress from Costco b/c of their excellent return policy, or buy from Tuft & Needle onli...
by yolli71
Mon Jun 16, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3442

Re: Will adding [air duct] returns cool the upstairs bedroom

A trip into the attic with the unit running to check for leaks in the duct work might make sense. I had a few smallish leaks in my system that were easily found just by passing my hand across the duct work with the unit running. There are some great youtube videos that show how to fix the leaks onc...
by yolli71
Mon Jun 16, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: Will adding [air duct] returns cool the upstairs bedroom

Frankly, I'm surprised the auditor apparently did not recommend ceiling fans. Good point...I'm kind of surprised too now that I think of it. I'm thinking maybe he didn't mention it b/c he was trying to find the root cause of the problem. Like I said, the thermostat is in the master bedroom which fa...
by yolli71
Sat Jun 14, 2014 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: Will adding [air duct] returns cool the upstairs bedroom

Hi all...to answer more questions: 1. Yes, I do mean a venting fan (not an actual attic fan). I now realize this maybe wasn't optimal. I used to have an electric powered operated venting fan with no ridge vent...now I have a ridge vent with a solar powered venting fan (they simply replaced the old f...
by yolli71
Sat Jun 14, 2014 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: Will adding returns cool the upstairs bedrooms?

Thanks for the responses everyone. To answer some of your questions: 1. The energy auditor was BPI certified and a member of RESNET. He did do the blower door test and gave me the before and after results once the work was done. 2. The thermostat is in the master bedroom and there are 2 returns upst...
by yolli71
Sat Jun 14, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Will adding [air duct] returns cool the upstairs bedrooms?

Will adding an air return to each bedroom help cool the upstairs bedrooms in the summer? Background: I have always had a hard time cooling down the upstairs level of my SFH during hot summer days. I live in the DC area in a 3 level home that's about 3,500 sq ft. I have two 3 ton units for my home......
by yolli71
Fri Jun 13, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 5813

Re: Replacement checks?

Great thread...thank you. I had no idea I could order checks from someplace other than my bank (Bank of America).
by yolli71
Fri Jun 06, 2014 6:53 am
 
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1723

Re: Child Care - 2 or More Children and Strategies to Pay

I'm sorry to tell you that daycare is the least of your future financial worries. Seriously?? The OP is considering paying $40k a year on daycare and that's the least of his worries? What is going to cost more than that for his children that he/she will need to pay? Hopefully college isn't mentione...
by yolli71
Sat May 24, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3592

Re: Child Care - 2 or More Children and Strategies to Pay

We have one child at the moment, pay $375/wk for a home daycare (cost is very competitive with all daycares in the area). This is in Greater Boston area, which is one of the highest in the country, so take that for what it is. We are starting to think about #2 and day care costs have me worried. Pa...
by yolli71
Fri May 23, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child Care - 2 or More Children and Strategies to Pay
Replies: 46
Views: 3592

Re: How do you make your money?

My wife and I are federal employees. We also rent out the basement of our home for $1,400/mo., though that will probably end when our two kids are out of daycare in a few years.
by yolli71
Fri May 23, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 15049

Re: Your 529 Plan - Thoughts and Strategies

1. How old are your children who you're saving for? - Two and four 2. Which 529 Plan do you invest in? - VA Prepaid (we are VA residents) 3. What's the current balance? - $52,400 & $56,600 (we did the lump sum one time payment for each; this covers 4 year in-state tuition for each) 4. How much d...
by yolli71
Fri May 23, 2014 6:33 am
 
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 39
Views: 3197

Re: What is the best all-inclusive resort you have ever visi

Agree regarding Punta Cana. The other nice thing is that I read DR and Jamaica give you the best bang for your buck in the Caribbean due to lower labor costs.
by yolli71
Fri May 09, 2014 5:10 pm
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5968

Re: bathroom exhaust fan placement

Three recommendations. 1. Get a Panasonic fan because they are quiet. 2. Get a fan with more capacity than the typical specifications for your room size. 3. Do not place the fan in an enclosed shower since the fan would have to pull air from around the door or from other cracks in the shower enclos...
by yolli71
Fri May 09, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: bathroom exhaust fan placement
Replies: 18
Views: 1204

Re: Did you tell anyone you paid off your mortgage?

I'm wondering if there is a disconnect here relating to age. Perhaps there are people in their forties who get house-sized bonuses and go around telling people "I just paid off my mortgage," a slightly-disguised way of saying "my salary or bonus is about equal to the price of my hous...
by yolli71
Thu May 08, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13083

Re: What is the best all-inclusive resort you have ever visi

They are all so different, it really depends on what you want to do and the kind of atmosphere you are after. As two extremes, Some people love Zoetry (I do), others love hedonism ( I haven't been there, but know people who love it). Need more info on what you want. Here are our requirements: 1. Lo...
by yolli71
Thu May 08, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5968

Re: What do you do after maxing out your tax deferred?

Thanks for the replies everyone...some interesting insight. I forgot to mention that I already did the state of VA prepaid option for both our kids, so tuition is covered for 4 years. Fortunately the grandparents are covering room and board by contributing to a traditional 529 for the kids. This is ...
by yolli71
Mon May 05, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2721

Re: What do you do after maxing out your tax deferred?

I guess that the snarky answer to "So would you put money into a taxable fund or would you do I-Bonds?" Is yes. We do both. There is a relatively small amount you can put into I-bonds. We paid off our mortgage years ago, and our "spare" money goes to I-Bonds, UTMA accounts for t...
by yolli71
Sat May 03, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2721

What do you do after maxing out your tax deferred?

My wife and I currently max out our TSP and our Roth IRAs. However, we have no extra cash leftover to put towards anything else. If we do ever get extra cash (tax returns, holiday/birthday checks, etc.), we put it towards the mortgage as we'd like it pay it off as quickly as possible. We are current...
by yolli71
Sat May 03, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: What do you do after maxing out your tax deferred?
Replies: 22
Views: 2721

Re: Does everyone have an Emergency Fund

My emergency fund is my 100k HELOC. Like some others have mentioned, I believe emergency funds are really based on individual needs. I want to invest as much of my cash as possible, so I try to keep as little as possible in savings accounts, money markets, etc. That being said, my situation might be...
by yolli71
Sat May 03, 2014 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does everyone have an Emergency Fund
Replies: 51
Views: 4791

Re: What does a Boglehead Mattress look like?

I just received my Tuft & Needle mattress 2 days ago and thought I'd provide an update. I've gotta say that I'm pretty impressed so far. The mattress is really comfortable though it's on the firm side. My wife absolutely loves it. The thing we really like the best is that we feel like we're actu...
by yolli71
Sat May 03, 2014 4:53 pm
 
Forum: Personal Consumer Issues
Topic: What does a Boglehead Mattress look like?
Replies: 21
Views: 3565

Re: Did you tell anyone you paid off your mortgage?

Interesting responses. My wife and I are about 5.5 years away from paying off our home and are really looking forward to that. I will tell my parents and my brother because we're all open about our finances with each other. My wife doesn't plan on telling anyone in her family. We likely won't tell m...
by yolli71
Thu May 01, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 13083

Re: Buying mattress online. Please help

arsenebould wrote:[OT comments removed by admin LadyGeek]


Thank you arsenebould! I just placed my order and saved $50.
by yolli71
Mon Apr 21, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 2271

Re: Buying mattress online. Please help

I don't think I would be comfortable buying a mattress online. (Pun intended! LOL) Seriously, it's where you sleep, like every night. Sleep is critical for you to be alert. How can you be successful if you can't stay awake. If you are can't stay awake you will be poor because you will not perform w...
by yolli71
Fri Apr 18, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Buying mattress online. Please help
Replies: 19
Views: 2271
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