Search found 801 matches

by 2stepsbehind
Sat Apr 30, 2016 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Africa
Replies: 6
Views: 326

Re: Investing in Africa

Africa is a continent made up of many (diverse) countries. Be more specific.
by 2stepsbehind
Thu Apr 14, 2016 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: I don't have anyone else to brag about this to [debt free]
Replies: 77
Views: 7571

Re: I don't have anyone else to brag about this to [debt free]

Congrats!!! I think I know one of your secrets - the "no kids" part :) It helps, although the amount we spent earlier on fertility treatments would have gone a long way to paying kids expenses if we had saved it instead. That is actually one of the secrets that I would prefer it was one w...
by 2stepsbehind
Fri Apr 08, 2016 4:20 am
Forum: Investing - Help with Personal Investments
Topic: Review our retirement plans - 28/24 yr olds in a relationship
Replies: 25
Views: 2551

Re: Review our retirement plans - 28/24 yr olds in a relationship

I am concerned that you are taking on all the responsibility on her choices. It is wonderful to give advice and do some research, but it would benefit her (either as SO or spouse) to learn and make decisions herself. +1000. Frankly, I would say it would benefit her in her capacity as an intelligent...
by 2stepsbehind
Sat Apr 02, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Living in/near New Haven CT
Replies: 21
Views: 1518

Re: Living in/near New Haven CT

Dimitri wrote: people aren't willing to risk their lives to shop in New Haven (ref. murder of Penny Serra in the Temple Street parking garage circa 1973 which perhaps marked the beginning of the end for New Haven commerce).


That's why Apple recently opened a store near the nefarious J. Crew...
by 2stepsbehind
Sat Apr 02, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: Living in/near New Haven CT
Replies: 21
Views: 1518

Re: Living in/near New Haven CT

I question how much time many of the posters in this thread have spent in New Haven. While New Haven certainly has its share of crime (most of which takes place away from the areas that most students/faculty tend to live), it is also has great restaurants, an impressive theater scene, museums, cute ...
by 2stepsbehind
Wed Mar 30, 2016 3:58 am
Forum: Investing - Help with Personal Investments
Topic: Daughter wants help with investment choices
Replies: 17
Views: 1562

Re: Daughter wants help with investment choices

I'm always amazed at people afraid to recommend discussing 401(k)'s with an employer. My personal experience was they were happy for the feedback, especially if it differed from the plan's sales pitch. Here's the reason to try: "It is nice to know that my company is listening to me and we were...
by 2stepsbehind
Wed Mar 30, 2016 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Newly widowed -- Do I have enough?
Replies: 8
Views: 1622

Re: Newly widowed -- Do I have enough?

I'm so sorry for your loss. Right now you are probably overwhelmed with grief so give yourself some time before making any decisions. I'll let someone more knowledgeable speak about social security claiming strategies. Did your husband have life insurance (either individually purchased or through hi...
by 2stepsbehind
Sat Mar 26, 2016 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Daughter wants help with investment choices
Replies: 17
Views: 1562

Re: Daughter wants help with investment choices

More reading for your daughter: How to campaign for a better 401(k) plan . It took several years for Vanguard funds (or any index funds) to appear in my 401(k), but she can start advocating for it with her employer now. The employer's business manager is probably the 401(k) plan's most important cu...
by 2stepsbehind
Sat Mar 26, 2016 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Opening multiple credit cards for bonuses?
Replies: 30
Views: 2418

Re: Opening multiple credit cards for bonuses?

Pdxnative wrote:Op, you might also want to keep an eye on bank account bonuses if you are looking for bonuses that don't affect credit.

http://www.doctorofcredit.com/best-bank ... t-bonuses/


But note that unlike credit card rewards the bank account bonuses are taxable.
by 2stepsbehind
Fri Mar 25, 2016 7:27 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5245

Re: Europe Trip in August

I was in Italy last September traveling solo. I felt far safer walking the streets of Rome than I would doing the same in any American city. I do not think traveling anywhere in Europe is risky enough to cause cancelations of your vacation. Go, enjoy and be smart in your travels. Now that's a senti...
by 2stepsbehind
Sat Mar 05, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: Nonrefundable Airline Ticket Question, Part 2
Replies: 5
Views: 432

Re: Nonrefundable Airline Ticket Question, Part 2

I just received an email notice from the airline that they are changing the flight to depart a half hour earlier. The email contains a button for me to click that takes me to another website where I acknowledge and accept the change. I would prefer not to accept the change and just either reschedul...
by 2stepsbehind
Fri Mar 04, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 10664

Re: Next credit card for a bonus?

^Victoria is right re:Amex SPG No guarantee Marriott doesn't slash the program late next year. Amex only does the 30k once a year. No guarantee we will ever see it again since it was offered last August. Also who knows what transfer ratio Marriott will offer SPG points. There is no guarantee that t...
by 2stepsbehind
Sun Feb 28, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Airline Ticket Quandary, advice appreciated
Replies: 9
Views: 1782

Re: Airline Ticket Quandary, advice appreciated

Unfortunately you don't have many options here (the price of a nonrefundable ticket). If there is a schedule change, you should be able to get a refund (just call and say the new times/itinerary doesn't work for you). You can also hope that there is crazy weather that day which would also allow a re...
by 2stepsbehind
Sat Feb 27, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9882

Re: Finding out about a kid 17 years after the fact

I'm not sure what docs you are referring to-- If the person referenced in the OP was born in the U.S., his passport is sufficient to show nationality (if he was naturalized, he should have that info anyway). The person referenced is over 50 and so presumably should have (or be able to print out) a s...
by 2stepsbehind
Sat Feb 27, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Identify theft issue: Mother-in-law gave out SS# to scammers
Replies: 6
Views: 942

Re: Identify theft issue: Mother-in-law gave out SS# to scammers

Contact the major credit bureaus (Experian, Equifax, and TransUnion) and have her credit reports frozen
by 2stepsbehind
Sat Feb 27, 2016 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 9882

Re: Finding out about a kid 17 years after the fact

Some additional facts that I left out of equation: - The child is close to age 18 (few months away) and as such there would not be enough time to apply for citizenship Are you/is he sure about this? I am not an immigration lawyer (and obviously not your/his lawyer), but I thought all that has to ha...
by 2stepsbehind
Sun Feb 21, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Planning for financial future of special needs son
Replies: 20
Views: 1855

Re: Planning for financial future of special needs son

First of all, if it was not for our special needs son we wouldn't worry too much about leaving an inheritance . Our other children, now adults, are self supporting and competent. But I can hardly sleep at night because I worry about the future of our special needs son..after we are gone. We have ma...
by 2stepsbehind
Sat Feb 20, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Saving
Replies: 68
Views: 4908

Re: Engagement Ring Saving

I am getting the impression that most of the answers to this question are written by men. First, to address the OP, this is a very short term goal with a relatively small amount of money involved, I really would just stash the cash. The engagement ring is something that may be used/worn 24/7 for ho...
by 2stepsbehind
Sat Feb 20, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3087

Re: Flyer miles worth it?

I would add http://insideflyer.com as a good place to go if flyertalk is overwhelming as the posts are much more patient with new users. I wasn't familiar with that site. It is a fair comment that flyertalk can get a bit snarky as some posters are know-it-alls that think airlines can do no wrong an...
by 2stepsbehind
Sat Feb 20, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3087

Re: Flyer miles worth it?

Why do these threads keep popping up? This has been answered time and time again. We need to start directing people to flyertalk. Its getting out of hand. Absolutely right. When there is a forum dedicated to all aspects of this the OP will benefit far more from going there than reading here. http:/...
by 2stepsbehind
Sat Feb 20, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3087

Re: Flyer miles worth it?

If you do not have FF miles per your business trips not paid for by you and you are flying business and first class even once a year you are probably spending too much money anyway in order to get those miles. The previous post of getting FF miles in business/first class a couple times a year means...
by 2stepsbehind
Fri Feb 19, 2016 6:51 am
Forum: Personal Consumer Issues
Topic: Discover Bank Not Paying Promised Bonus
Replies: 49
Views: 5475

Re: Discover Bank Not Paying Promised Bonus

Consider filing a complaint with the Consumer Financial Protection Bureau http://www.consumerfinance.gov/complaint/
by 2stepsbehind
Sat Feb 06, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 11436

Re: Anyone travel without hacking?

I will say that I do a fair amount of travel hacking which as noted above is much more than MS though I do that as well. For the folks who are asking about MS (and awards travel in general). It is a very complex subject and you'd be well advised if interested to read up at FT, the blogs, Reddit, Sa...
by 2stepsbehind
Sat Feb 06, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Sibling's destination wedding?
Replies: 110
Views: 6631

Re: Sibling's destination wedding?

My sibling's wedding was a destination wedding for me. At the time I didn't have much money as a I had just graduate college but I'm glad I made the effort to attend, despite the expense. If I were in your shoes, I would make an effort to attend with the family. It would be a different story if it ...
by 2stepsbehind
Sun Jan 31, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: I just paid off $145,000 in student loans in 2.5 years
Replies: 20
Views: 1727

Re: I just paid off $145,000 in student loans in 2.5 years

Congrats! Might help if you fill in some additional information for others who might be in a similar position i.e. how much did you make following business school, how much does your wife make, how did you secure new employment following being fired and at what salary, and what did you do about the ...
by 2stepsbehind
Wed Jan 20, 2016 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents gifting $14k, grandparent 529 alternative due to their age?
Replies: 19
Views: 1530

Re: Grandparents gifting $14k, grandparent 529 alternative due to their age?

Bob's not my name wrote:Is $14k a random number or are the grandparents unaware that they can gift $28k ($14k each) to one recipient without reporting the gift?


Wow, a bit greedy. Or 14k represents the amount that they feel comfortable giving given the current state of their finances.
by 2stepsbehind
Sun Jan 03, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help understanding a credit card issue
Replies: 26
Views: 1185

Re: Help understanding a credit card issue

Particularly if your income is modest as compared to your credit lines, they may be disinclined to give you credit. Income is not the problem here! To be clear, what I mean is if you have stated income of lets say 250k, but you already have 400k of credit (given 43 cards that doesn't seem unreasona...
by 2stepsbehind
Sun Jan 03, 2016 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help understanding a credit card issue
Replies: 26
Views: 1185

Re: Help understanding a credit card issue

Cap 1 has always been stingy. I have had the same account with them for 16 years and they refuse to raise my credit limit beyond the initial $10,000 limit. I'm not a churner by any stretch, our scores are over 800 and our income is not a problem. There should be no reason why they can't at least ma...
by 2stepsbehind
Sun Jan 03, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help understanding a credit card issue
Replies: 26
Views: 1185

Re: Help understanding a credit card issue

Cap1 is known for turning down hardcore churners. They check all three Bureaus and consequently have a pretty clear picture of inquiries. See, e.g., http://www.frugaltravelguy.com/2011/03/denied-by-capital-one-and-free-bags-on.html Particularly if your income is modest as compared to your credit lin...
by 2stepsbehind
Sun Jan 03, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Yet another topic about finances and marriage - premarital assets
Replies: 20
Views: 1115

Re: Yet another topic about finances and marriage - premarital assets

As others have mentioned, knowing the state would be helpful. In any event, I think it would be cleaner for you to open a new IRA at a different institution so that you can better keep track of premarital assets. More generally you may want to simplify your premarital assets--i.e. if you have 4 diff...
by 2stepsbehind
Sun Jan 03, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 119
Views: 11458

Re: profitable hobby?

Earning and redeeming airline miles and hotel points. It has been my hobby for almost 12 years now. I am more the aspirational type so I primarily utilize it as leverage to increase the return of my travel budget. (First class tickets that I would never pay cash for, fancy hotel suites, that sort o...
by 2stepsbehind
Fri Jan 01, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to credit card rewards when you die?
Replies: 9
Views: 1039

Re: What happens to credit card rewards when you die?

Most programs call for points to expire at death. A few will allow a spouse to claim them. However, if you make your password available to your executor or desired beneficiary, s/he can try to redeem or transfer them as appropriate.
by 2stepsbehind
Mon Dec 28, 2015 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Checking In After Four Years
Replies: 20
Views: 5165

Re: Checking In After Four Years

why do you want to keep the car loan at your bank if it is costing you more money? :(

what does $1,500 credit card of monthly expenses consist of?

which credit card are you using?
by 2stepsbehind
Sat Dec 26, 2015 11:06 pm
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6876

Re: Sororities: The cost of Greek Life?

Even at the most frat/sorority friendly schools, I've found that there is an active social life beyond greek life. How great of a social experience will your child have if she is raped or if he rapes or is accused of rape? You are taking absolutes (100% probability) for what are only probabilities ...
by 2stepsbehind
Sat Dec 26, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6876

Re: Sororities: The cost of Greek Life?

But one doesn't have to protect them from all danger, just a community that is perhaps even more desensitized to sexual assault/alcohol abuse than the general college population/American society. Obviously YMMV, but as people are deciding whether or not they want to pay for such culture/experience ...
by 2stepsbehind
Sat Dec 26, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 6876

Re: Sororities: The cost of Greek Life?

But one doesn't have to protect them from all danger, just a community that is perhaps even more desensitized to sexual assault/alcohol abuse than the general college population/American society. Obviously YMMV, but as people are deciding whether or not they want to pay for such culture/experience f...
by 2stepsbehind
Sat Dec 26, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 10664

Re: Next credit card for a bonus?

Excellent information, Bfwolf ! Perhaps you can help me with a related question? In September 2017, I plan to travel to the Gold Coast in Queensland, Australia, with a possible extension to other parts of Australia or to New Zealand. Are there particular airlines or credit cards recommended for tra...
by 2stepsbehind
Sat Dec 26, 2015 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 10664

Re: Next credit card for a bonus?

Anything is possible, but according to the language you quoted from flyertalk most people should be on notice that they may not be eligible due to the welcome material not mentioning the bonus. You can also call when activating your card and ensure that the offer has been added on the account. Yes a...
by 2stepsbehind
Fri Dec 25, 2015 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 10664

Re: Next credit card for a bonus?

Consider insideflyer, a site more accommodating to newbie questions.
by 2stepsbehind
Fri Dec 25, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 10664

Re: Next credit card for a bonus?

^Victoria is right re:Amex SPG No guarantee Marriott doesn't slash the program late next year. Amex only does the 30k once a year. No guarantee we will ever see it again since it was offered last August. Also who knows what transfer ratio Marriott will offer SPG points. There is no guarantee that t...
by 2stepsbehind
Fri Dec 25, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Airline cancelling our flight
Replies: 33
Views: 4570

Re: Airline cancelling our flight

You should expect them to offer nothing. Your best leverage was/is talking to them on the phone and asking for hotel, meal voucher etc. Is the cancellation weather related?
by 2stepsbehind
Fri Dec 25, 2015 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 10664

Re: Next credit card for a bonus?

I echo the earlier advice given to consult the frequent flier fora (flyertalk, insideflyer etc.) verses bogleheads for these kind of questions. While some of us are well versed on these issues,we don't always have the time or inclination to respond. Others are fairly new to this so you might end up ...
by 2stepsbehind
Tue Dec 15, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Any Biglaw attorneys on the board?
Replies: 53
Views: 8438

Re: Any Biglaw attorneys on the board?

Fedguy, you forgot to put emergency in quotes. I don't think it is is an exaggeration that 90% of the so-called emergencies in biglaw stem from either poor planning or partner neuroses to plan for contingencies that are unlikely to occur. I think that is part of what drives associate dissatisfaction...
by 2stepsbehind
Sat Dec 12, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 104
Views: 10940

Re: Single & Frugal or Coupled & (Financially) Incompatible?

tibbitts wrote:
When I found out she had almost 9 credit cards...

In fairness, many Bogleheads have that many credit cards, or more, to maximize rewards - and keep churning them.


Much more.
by 2stepsbehind
Sun Nov 29, 2015 2:10 pm
Forum: Personal Consumer Issues
Topic: Nice house vs traveling
Replies: 78
Views: 6453

Re: Nice house vs traveling

what is the point of having a vacation home so close to your own home? have you priced out a sublet, airbnb, or priceline or considered moving closer to the destination?
by 2stepsbehind
Sun Nov 29, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Prioritizing emergency fund, student loans, helping family, taxable investments, and 401k
Replies: 13
Views: 1288

Re: Prioritizing emergency fund, student loans, helping family, taxable investments, and 401k

You've generally received good advice, but here are a few things that I haven't seen mentioned: 1) You are eligible to contribute to a roth (do a search on this site and/or google "back door roth"). You might consider holding some of your emergency fund in the roth so as to maximize your t...
by 2stepsbehind
Sun Nov 22, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: $1,000 in cash lost or stolen
Replies: 54
Views: 5926

Re: $1,000 in cash lost or stolen

Good reminder that with the holidays approaching theft and property crimes tend to increase so it is wise to be vigilant.
by 2stepsbehind
Sun Nov 15, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.
Replies: 147
Views: 7271

Re: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.

To sum it up for those who joined the conversation late-- The OP and her husband make ~86k with an AGI of 68k The OP owns one primary residence and apparently has a vacation residence on the Jersey Shore which is occasionally rented out. The OP's husband has $130,000 in a 401k (and possibly will qu...
by 2stepsbehind
Sun Nov 15, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.
Replies: 147
Views: 7271

Re: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.

To sum it up for those who joined the conversation late-- The OP and her husband make ~86k with an AGI of 68k The OP and her husband rent* their primary residence and apparently own a vacation residence on the Jersey Shore which is occasionally rented out. The OP's husband has $130,000 in a 401k (an...
by 2stepsbehind
Sat Nov 14, 2015 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.
Replies: 147
Views: 7271

Re: Help! Inherited money I planned to use for retirement but it disqualifies my kids from scholarships.

Your children shouldn't be disqualified from purely merit scholarships so encourage them to study hard in school/do well on standardized tests. There is no magic bullet here. Financial aid is designed for those who need money/have few resources. With 600k in the bank you are doing better than a lot ...

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