Search found 143 matches

by 4th and Inches
Thu Sep 21, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth/Traditional vs Paying off debt
Replies: 19
Views: 991

Re: Investing in Roth/Traditional vs Paying off debt

12% Interest? Wow! That's like the highest non-credit card interest rate I have ever heard someone say they had on bogleheads unless they were talking about mortgages from many years ago.
by 4th and Inches
Wed Aug 30, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1484

Re: Hulu w/ Live TV

I have Playstation Vue and pay $45 plus $50 per month for internet service from Xfinity. I previously had Xfinity for TV and in comparing interface and reliability I would give Xfinity the edge, but this edge was not sufficient enough for me to pay the price differential as my Xfinity internet & TV...
by 4th and Inches
Wed Aug 30, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24971

Re: The Wall Street Journal to close Google loophole entirely

It appears that the Facebook loophole has been closed. Is this the case for anybody else?
by 4th and Inches
Wed Aug 30, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 1484

Re: Hulu w/ Live TV

Those of you who are big sports fans and have one of these packages how much is your combined internet and cable bill per month? I assume that if you are a big sports fan that you have one of the larger packages. Hulu TV seems to hit just about all of my needs. Also, is there any compromise in the q...
by 4th and Inches
Tue Aug 22, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 5878

Re: Why do we consider cash flow from rentals but not our own homes?

Cool concept that I hadn't really thought of. Thanks for sharing everybody!
by 4th and Inches
Sat Jul 29, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 2024

Re: Looking for a single speed commuter bike, less than $400?

I'll second bikesdirect.com.

I have the Windsor Clockwork Plus (single speed, $289) and LOVE it for commuting to work. They have all kinds of bikes under $400.
by 4th and Inches
Sat Apr 29, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: [Southwest] Airlines Rapid Rewards Dining
Replies: 11
Views: 1120

Re: SW Airlines Rapid Rewards Dining

It's not rocket science. It's not a scam. Just sign up and get some points. You are overthinking it.
by 4th and Inches
Sun Apr 09, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Ameriprise - Investment / Retirement Planning
Replies: 8
Views: 1012

Re: Fidelity vs. Ameriprise - Investment / Retirement Planning

Others will provide much more detailed information, but whatever you do DON'T ROLL YOUR MONEY OVER TO AMERIPRISE unless you want to be significantly poorer in the long run.
by 4th and Inches
Fri Mar 24, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13472

Re: Get $250 from Wells Fargo

What exactly is a retail store private label credit card? Is that just a crummy retail credit card where Wells Fargo is the bank?
by 4th and Inches
Wed Mar 22, 2017 8:04 am
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 7689

Re: How did graduating out of daycare impact your finances?

Boo. These perspectives are not what I wanted to hear. I have a 19 month old and plans for another.
by 4th and Inches
Tue Mar 14, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13472

Re: Get $250 from Wells Fargo

It seems possible that this deal is off. The link referenced in several blogs over the past few days is no longer working:

https://www.wellsfargo.com/jump/checkin ... ect-offer/

Anybody else have a link to the offer that works?
by 4th and Inches
Tue Jan 31, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Building Forever House - Can we afford it? Should We?
Replies: 22
Views: 2839

Re: Building Forever House - Can we afford it? Should We?

You can totally afford this and have plenty of margin for error. Go for it.
by 4th and Inches
Tue Jan 31, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Can you no longer hide zero balance funds at Vanguard?
Replies: 9
Views: 2316

Re: Can you no longer hide zero balance funds at Vanguard?

Thanks! I was always annoyed by those zero balances.
by 4th and Inches
Mon Jan 30, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: The whole Roth vs. Traditional IRA
Replies: 56
Views: 9078

Re: The whole Roth vs. Traditional IRA

I fuss with the 401k above employer match vs Roth IRA conundrum all the time. If you were going to have a pension that would replace say 37.5% of your income or about $33,500 a year (not indexed to inflation, though increases can be possible) then wouldn't a Roth IRA generally becomes more attractiv...
by 4th and Inches
Fri Jan 27, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?
Replies: 49
Views: 3809

Re: 2004 Mercury Grand Marquis for $4950, 56k miles - Good deal? Good car?

My knee jerk response is that 2004 was when American car quality was hitting its low point with Mercury and the Grand Marquis being at the bottom of the pile. Avoid.
by 4th and Inches
Fri Jan 27, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Part 3 of lessons the markets taught in 2016
Replies: 5
Views: 759

Re: Part 3 of lessons the markets taught in 2016

Great information in that series. Thank you for sharing. I especially like the part that addresses how much portfolio return performance is attributed to such a small number days.
by 4th and Inches
Thu Jan 26, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 32088

Re: Chase Sapphire Reserve

^^^^^Thanks.
by 4th and Inches
Thu Jan 26, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 32088

Re: Chase Sapphire Reserve

I activated my new card on January 19th after applying the day of the deadline. I still have not had the $450 annual fee post to me account. I thought that once you activate the card the fee posts nearly immediately. I do have a visa Southwest Rapid Rewards Plus card so I wonder if that has somethin...
by 4th and Inches
Thu Jan 19, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Target Date Fund - Retirement Years
Replies: 29
Views: 3378

Re: Target Date Fund - Retirement Years

Assuming that you are withdrawing the often-cited 4% a year from your portfolio in retirement, are there any drawbacks to just taking that 4% out per year from a target date fund vs selling off the winners to re-balance if instead you had a 3-4 fund portfolio?
by 4th and Inches
Wed Dec 28, 2016 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 223
Views: 49157

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Pajamas wrote:
I feel almost as sorry for him as for his victims.


Uhhhh ok. I'm going to guess that you are very much in the minority regarding this kind sentiment towards the perpetrator. Let him rot.
by 4th and Inches
Wed Dec 28, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Can I Count Pension Contributions Before Vesting As Bonds?
Replies: 2
Views: 353

Can I Count Pension Contributions Before Vesting As Bonds?

I work in the public sector for local government and contribute 8% of my gross pay to our pension. My contributions are vested after five years. If I don’t fully retire with the organization I would get (1.5% * Years of service of my average of the highest five years of pay) starting at 65. For exam...
by 4th and Inches
Mon Dec 05, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Target Gift Cards 10% Off Today
Replies: 9
Views: 1355

Re: Target Gift Cards 10% Off Today

Boo looks like I missed out.
by 4th and Inches
Mon Nov 21, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 27254

Re: Need help. Drowning in debt and worried about the future and retirement

Your wife turned down the job? WOW. Just Wow. I am shocked at that. EESSHHHH. I can't imagine how that conversation went. I feel bad for you.
by 4th and Inches
Mon Nov 21, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 6749

Re: Synchrony vs Ally

I am a happy savings account customer of Synchrony bank. I have never used Ally. Either one is likely perfectly suitable.
by 4th and Inches
Wed Nov 16, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Public Credit Union Black Friday 3%, 24 Month CD Offer
Replies: 5
Views: 1463

Public Credit Union Black Friday 3%, 24 Month CD Offer

I came across this one day Black Friday CD offer from Public Credit this AM while reading the newspaper.

There is a $10,000 limit and you have to go there in-person.

Just thought I would pass this along. I don't think I have ever seen 3% for just a 24 month term.

https://www.pscu.org/black-friday-one-day-deal/
by 4th and Inches
Thu Oct 13, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Southwest...getting the miles by year end
Replies: 30
Views: 3167

Re: Southwest...getting the miles by year end

Get a friend to sign up and you will get 5,000 points up to 50,000 for the year. I just referred my wife and mom-in-law a few days ago.

https://www.chase.com/referafriend/catch-all
by 4th and Inches
Wed Sep 21, 2016 9:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 3366

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

I really like this move. More small caps, more extension into China, the number of companies owned has gone up significantly, no increase in the expense ratio.
by 4th and Inches
Wed Aug 17, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of my debt vs using tax advantaged space - which is better?
Replies: 18
Views: 1873

Re: Getting out of my debt vs using tax advantaged space - which is better?

I would disregard any advice that suggests skipping the employer match to your retirement contributions. I would get rid of the rental property, keep your current house, keep the SUV, sell one of the other cars, and then get rid of the 401k retirement loan with the proceeds from the house and sold c...
by 4th and Inches
Sat May 21, 2016 12:05 am
Forum: Investing - Theory, News & General
Topic: Any thoughts on this? [Why advisors don't like target funds]
Replies: 29
Views: 4712

Re: Any thoughts on this? [Why advisors don't like target funds]

That article is just absolute trash. WORTHLESS. I could only chuckle at some of the assertions quoted in the article. It reeked of self-interested dishonesty.

Target date funds are not perfect, but you can do much worse.
by 4th and Inches
Wed May 11, 2016 9:13 pm
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 13798

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Sheeesh guys. Larry provides a lot of good insights here. I found the article interesting at least.
by 4th and Inches
Thu Apr 28, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]
Replies: 15
Views: 2068

Re: VWO vs VSS [Vanguard Emerging Markets Stock vs. FTSE All-World ex-US Small-Cap]

Why doesn't Vanguard have an admiral version of Vanguard FTSE All-World ex-US Small-Cap Index Fund?

Does anybody know?
by 4th and Inches
Thu Apr 21, 2016 1:40 pm
Forum: Investing - Theory, News & General
Topic: Any avid users/haters of the Acorns platform?
Replies: 9
Views: 1722

Re: Any avid users/haters of the Acorns platform?

You should also look into an Acorns competitor called "Clink". They are actually cheaper than Acorns. Acorns is quite expensive when your account is small and in the long run will always be more expensive than Clink. Acorns however may give you a bit more portfolio flexibility. I made a th...
by 4th and Inches
Thu Apr 21, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Clink Investing App with Access to 6 Vanguard Funds
Replies: 10
Views: 3571

Re: Clink Investing App with Access to 6 Vanguard Funds

I think I am going to start an account to begin saving to finish our basement. I'm not looking to use this is a primary retirement savings medium. I just want an easy, cheap and painless way to start saving for something.
by 4th and Inches
Mon Apr 18, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 53
Views: 4097

Re: Passport photo DIY - anyone done it easily?

Don't overthink it. Just go to a drugstore and get a picture taken for a few dollars.
by 4th and Inches
Mon Apr 18, 2016 11:34 am
Forum: Investing - Theory, News & General
Topic: Stock picking services
Replies: 39
Views: 3213

Re: Stock picking services

This is a great thread. lol
by 4th and Inches
Tue Apr 12, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Mortgage Refinance
Replies: 8
Views: 880

Re: Simple Mortgage Refinance

$5k in refinance costs seems really high.
by 4th and Inches
Tue Apr 12, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: Clink Investing App with Access to 6 Vanguard Funds
Replies: 10
Views: 3571

Re: Clink Investing App with Access to 6 Vanguard Funds

^^^^How is that much different than buying different shares (some of them fractional) across your 401k portfolio, Roth IRA, or taxable account on a bi-weekly basis as your paychecks come in? It is just a different scale.
by 4th and Inches
Mon Apr 11, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: Clink Investing App with Access to 6 Vanguard Funds
Replies: 10
Views: 3571

Clink Investing App with Access to 6 Vanguard Funds

I had been interested in the Acorns investing app, but decided that it their overall fees were just not worth it. I have been waiting for some kind of competitor to come out that would be more attractive and cheaper. A Google search revealed a new competitor to Acorns called Clink . m There is no mi...
by 4th and Inches
Wed Mar 02, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 49
Views: 8266

Re: 10% Mortgage Down payment

Look into an 80-10-10 loan. The interest rate on the second loan will typically be the prime rate + about 2%.

Also, do what is best for you. Don't pay too much attention to the people on here saying you should have at LEAST 20% down and then lock yourself into a 15 year mortgage.
by 4th and Inches
Fri Feb 19, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating Mortgage Products Using Total Cost Ratio
Replies: 2
Views: 336

Re: Evaluating Mortgage Products Using Total Cost Ratio

The way you are looking at it seems legit to me.
by 4th and Inches
Fri Jan 15, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Lender Wants to Start Mortgage Paperwork Early
Replies: 7
Views: 872

Re: Builder's Lender Wants to Start Mortgage Paperwork Early

Thank you for the replies everyone. A few more follow-up questions:

So you guys feel that now is an appropriate time to actively search for a lender?
Should I also go through with hard credit checks?
Are there any issues with trying to get a rate lock this early in the process?

Thanks!
by 4th and Inches
Fri Jan 15, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Builder's Lender Wants to Start Mortgage Paperwork Early
Replies: 7
Views: 872

Builder's Lender Wants to Start Mortgage Paperwork Early

My wife and I are having a new home built. We went into contract back in October and the house will be done late this summer. We are and were well aware of the builders timeline due to it being a busy market and being able to get first right of refusal on our selected lot before the lots were offici...
by 4th and Inches
Wed Jan 06, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Starting a Personal Finance Club/Network at Work: Good idea?
Replies: 9
Views: 786

Re: Starting a Personal Finance Club/Network at Work: Good idea?

I personally think it is a bad idea to do this in the workplace.
by 4th and Inches
Tue Dec 29, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 IRS Witholding Calculator Availability?
Replies: 6
Views: 1071

2016 IRS Witholding Calculator Availability?

Does anybody know when the 2016 IRS Witholding Calulator will be available?

https://www.irs.gov/Individuals/IRS-Wit ... Calculator
by 4th and Inches
Wed Dec 23, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sell all bond holdings in Roth?
Replies: 6
Views: 763

Re: Sell all bond holdings in Roth?

I just realized this the other day. Luckily I had my bond holdings in my 401k/Traditional IRA. If I had put all of my bonds in the Roth I would just do a swap out now between the accounts. However, I don't think it would be explicitly wrong to just switch the Roth to stock funds and then buy up the ...
by 4th and Inches
Mon Dec 21, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds VS Build Your Own for .055%-.107% Less?
Replies: 12
Views: 1734

Re: Target Date Funds VS Build Your Own for .055%-.107% Less?

Thanks for the feedback and insights everyone. I'm going to just go with the target date fund for convenience and simplicity. If I have to do the rebalancing or get into any fiddling then, I'm more likely to mess things up more than I can save on the expense ratios.