Search found 1694 matches

by BW1985
Tue Dec 12, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 71
Views: 8743

Re: Retire in my early 40s? Crazy or actually doable?

Retiring is a mistake, until you have nothing more to contribute. That is not a moral statement, but an individualistic one. Over the course of my career I have met many mentally and physically men aged well before their time do to early retirement. People think how nice it would be not to answer t...
by BW1985
Sat Dec 09, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1073

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. Ink also does for sure. Right, but the OP has a consumer card, and I don’t think they would let them change it to a business card. Also, it has a $9...
by BW1985
Sat Dec 09, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1073

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. No, I just want to keep the ability to use it with the Ultimate Rewards Website. We generally don't stay at hotels (usually use VRBO). You’ll need a...
by BW1985
Sat Dec 09, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1073

Re: Downgrading Chase Sapphire Preferred

If it's been two years since you got the bonus, you should: 1. Downgrade your current card to a Freedom or Freedom Unlimited 2. Apply for the Sapphire Preferred to get the bonus again If you're within 60 days of your account anniversary, downgrading the card will get Chase to refund the annual fee ...
by BW1985
Sat Dec 09, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1073

Re: Downgrading Chase Sapphire Preferred

Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability. No, I just want to keep the ability to use it with the Ultimate Rewards Website. We generally don't stay at hotels (usually use VRBO). You’ll need a...
by BW1985
Sat Dec 09, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Downgrading Chase Sapphire Preferred
Replies: 15
Views: 1073

Re: Downgrading Chase Sapphire Preferred

TravelGeek wrote:
Sat Dec 09, 2017 2:59 pm
Only the CSR and the CSP allow point transfer to partner programs (hotels, airlines). If this was what you got the bonus for, you’d lose that ability.
Ink also does for sure.
by BW1985
Fri Dec 08, 2017 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 57
Views: 4867

Re: Southwest Companion Pass [California only]

Congrats to all! The CP is a pretty amazing travel deal!
by BW1985
Thu Dec 07, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4896

Re: I received a speeding ticket via mail from IA - should I pay it?

I got a $25 parking ticket in another state once. Threw it in the trash. Got one letter in the mail reminding me to pay and that was it, never heard about it again. Maybe they issued a bench warrant for my arrest..
by BW1985
Wed Dec 06, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4896

Re: I received a speeding ticket via mail from IA - should I pay it?

I doubt its as big of deal as some here think. There’s a reason some states make out of state drivers pay tickets on the spot with a credit card, people don’t pay them otherwise. A bench warrant issued for one speeding ticket? Its possible I guess. But I doibt it. Even then they’d need to pull you o...
by BW1985
Wed Dec 06, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214681

Re: TV show recommendations?

Solo viewing: -- Just wrapped up Season 1 of Bosch. Will watch Season 2. -- Going to start Season 5 of the Americans. With Spouse: -- Watching Season 7 of The West Wing. -- Almost through Season 2 of Stranger Things. (No one can believe that we've spaced out our viewing vs. binge-watching) -- Arres...
by BW1985
Wed Dec 06, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214681

Re: TV show recommendations?

Another vote for "The Man in the High Castle" an Amazon show. In short, a hypothetical show of if the Allies lost WW2 and the US was split east of the Rockies controlled by the Nazis, West of the Rockies controlled by Japan, and a neutral zone in the Rockies with some remaining resistance. There is...
by BW1985
Tue Dec 05, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 12940

Re: FIRE [financial independence/retire early]

I don't understand the name calling and animosity. If you believe in the 4% rule, use it. And if you don't, then don't use it. :sharebeer
by BW1985
Tue Dec 05, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3365

Re: Understanding the World of Credit Card "Points"

Credit card churning and point bonuses are really being scrutinized by the card companies right now, with rules getting tighter and tighter. AMEX has started to retroactively remove sign up bonus points from accounts that they have found out later violated a policy. For example, one common manufact...
by BW1985
Tue Dec 05, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3365

Re: Understanding the World of Credit Card "Points"

I admit I had to chuckle at the post about equifax hack and applying for credit cards. The two events certainly are exclusive from one another. Hey at least that’s the excuse I gave American Express to close my last card. Beside I’ve opened everything under American Express. Chase has rejected my a...
by BW1985
Tue Dec 05, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3365

Re: Understanding the World of Credit Card "Points"

I admit I had to chuckle at the post about equifax hack and applying for credit cards. The two events certainly are exclusive from one another. Hey at least that’s the excuse I gave American Express to close my last card. Beside I’ve opened everything under American Express. Chase has rejected my a...
by BW1985
Mon Dec 04, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3365

Re: Understanding the World of Credit Card "Points"

We’re heading to Israel thanks to these signup bonuses. We got free trips to Finland and the Baltics last year and Greece the previous year. Over the past three years we’ve tallied up enough air miles for eight individual trips overseas and four trips in the U.S. Bank signup offers netted us about ...
by BW1985
Fri Dec 01, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 12940

Re: FIRE [financial independence/retire early]

You bet! Those simpletons will have to go back to work after 5 years of enjoying their young families, all the while you will have been working this whole time! Suckers..... I always enjoy the local animosity of those frugal fire types. Seems Bogleheads would have more in common than not with them ...
by BW1985
Thu Nov 30, 2017 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 12940

Re: FIRE [financial independence/retire early]

I think many are to worried about retiring early. Why not enjoy the work you do and enjoy life along the way. Web sites like Mr. MM talk about how they retired early and live on 25-30k a year. Who would want to live so frugal at a retiremnt age in your 30-40s. Why not work longer and live the same ...
by BW1985
Thu Nov 30, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE [financial independence/retire early]
Replies: 138
Views: 12940

Re: FIRE [financial independence/retire early]

Healthcare and health insurance in the U.S. are not predictable for those who have no place to get reliable health insurance. Hopefully this will change in the future. In fact, those people who talk about medical tourism miss the critical point. Most FIRE people should be able to pay for routine me...
by BW1985
Wed Nov 29, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: 30 years old / Missed the bull run
Replies: 55
Views: 11864

Re: 30 years old / Missed the bull run

MrNewEngland wrote:
Wed Nov 29, 2017 1:11 pm
When this thread started the DJIA was at 17,849 and the S&P was at 2049. They have risen 33% and 28% respectively.
The market was 'expensive' then too.
by BW1985
Wed Nov 29, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10726

Re: Didn't buy Bitcoin at $4600

Everywhere I look people are talking about bitcoin and how to buy it. This thing seems like it's going to crash HARD.
by BW1985
Tue Nov 28, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1772

Re: Amica Increase

I have car and home with Amica, I've never even heard of this dividend. strange. you should call and discuss. you do have to choose the dividend paying policy which is slightly more upfront, but more than makes up for it on the back end. Dividend policies are only offered in some states. Not in IL ...
by BW1985
Tue Nov 28, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Amica Increase
Replies: 21
Views: 1772

Re: Amica Increase

I have car and home with Amica, I've never even heard of this dividend.
by BW1985
Fri Nov 24, 2017 12:51 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 13805

Re: Jim Cramer doesn’t beat the market

Its like watching an expert video on how to play blackjack. Odds are you’re still going to lose..
by BW1985
Thu Nov 23, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 4187

Re: Job interviewing - "do you have any other interviews or leads?"

I have always told potential employers that I am interviewing other places and sometimes that I have other offers.
by BW1985
Thu Nov 23, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: The Wolf of Wall Street
Replies: 33
Views: 4545

Re: & Catch Me If You Can - Re: The Wolf of Wall Street

Another "fraud" movie, Catch Me If You Can, has DiCaprio playing Frank Abagnale: https://en.wikipedia.org/wiki/Frank_Abagnale This all ends differently... Abagnale was amazingly young for what he did, and he apparently eventually suffers considerably while being pursued, and... SPOILER ALERT IF YOU...
by BW1985
Wed Nov 22, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3843

Re: Michelin or Bridgestone?

Well today is the last day for $70 off Bridgestone, I went ahead and ordered the Ecopia's after reading way too many reviews. Also if anyone else is ordering you can get a $25 off/ $250 purchase by asking in online chat. You just have to order the tires online though. Ended up paying $650 + $50 tax ...
by BW1985
Tue Nov 21, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

Thanks for insight. I had never heard of chalk or milk paint! This has given me an idea to rejuvenate some patio furniture. I had restained it two years ago but the hot weather coupled with unusual torrential rain we had last year has left the finish dull and rough now. Would it be possible to use ...
by BW1985
Mon Nov 20, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 5274

Re: Post for Livesoft

Why do you choose to manually reinvest dividends rather than automatic? Just curious.
by BW1985
Mon Nov 20, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3843

Re: Michelin or Bridgestone?

Also going back and forth on the Premier vs. Ecopia for my Escape..

On Tirerack the General ALTIMAX RT43 seems to be an excellent value, but then you'd need to pay for install as well.
by BW1985
Sun Nov 19, 2017 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14067

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave's number one sin is claiming one can safely withdraw 12% per year of retirement funds. However as of late he stays that even if I'm half right you'll still have plenty of money. A 6% withdrawal rate is also not a safe withdrawal rate. DA I've never heard him say that. He claims you can get an ...
by BW1985
Sat Nov 18, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

BW1985 what is the best website for me to learn how to paint old furniture like you and your wife do? thanks! Check out General Finishes webite and youtube videos. There wasn’t really one site we used. Everyone seems to have their own techniques and some people get more complex than others e.g. mul...
by BW1985
Fri Nov 17, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

As far as my sailboat is concerned, perhaps the worst piece of pass down furniture one could possess, well, they are going to be prying that out of my cold, dead fingers. As to the OP's question, I agree with everyone about the plunging value of furniture. I know some folks have said that high-qual...
by BW1985
Fri Nov 17, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

On the subject of furniture losing its value... has anyone tried to sell a piano lately? --vtMaps :( The other thing that is often given away is barely used exercise equipment (treadmills, Nordic tracks, boflex, etc). Unfortunately almost all of it is the latest gizmo that promises amazing results....
by BW1985
Fri Nov 17, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

This looks fantastic! For the uninitiated, is this simple to achieve? Do you just sand and then stain it? Or are there any special steps you need to take? Thank you, appreciate it. Pretty much, the 'how' is not difficult. Find a piece that as my wife would say 'has potential'. Come up with your col...
by BW1985
Thu Nov 16, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

This whole thread is making me reconsider my thoughts on expensive sofas. Do I really need the "eight way hand tied" sofa with kiln dried hardwood frame for 2x or 3x the cost of an adequate sofa? Justifying that quality furniture "holds its value" isn't really good enough, plus I will end up stress...
by BW1985
Thu Nov 16, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

larsm wrote:
Thu Nov 16, 2017 12:20 pm

You do nice work.
TonyDAntonio wrote:
Thu Nov 16, 2017 12:34 pm

Very nice. I really appreciate nicely refinished pieces. Refinishing is very hard to do well. Heck, finishing furniture is hard to do well.
Thank you, appreciate the compliments. Really 90% is my wife's work so I'll share with her. :D
by BW1985
Thu Nov 16, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

Agree with all the other posts. My parent's stuff mostly didn't sell at all after their deaths. Even the gigantic antique roll top desk was a no sale -- we had to pay to have it hauled away. And I just painted a solid, sturdy late 1950s maple side table: bright orange with yellow paisley stencil. B...
by BW1985
Thu Nov 16, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: How much to charge for nanny services on New Year's Eve?
Replies: 29
Views: 2109

Re: How much to charge for nanny services on New Year's Eve?

When my wife was a nanny she had a flat fee of $250 for an overnight. Something to consider.

I also agree that their ability to pay is meaningless. If they can't pay the rate that makes it worth it for you then they should watch their own kids or look elsewhere.
by BW1985
Thu Nov 16, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

This whole thread is making me reconsider my thoughts on expensive sofas. Do I really need the "eight way hand tied" sofa with kiln dried hardwood frame for 2x or 3x the cost of an adequate sofa? Justifying that quality furniture "holds its value" isn't really good enough, plus I will end up stress...
by BW1985
Thu Nov 16, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

Out of style. My parents have a house full of solid oak furniture they paid thousands for 20 years ago, nobody wants it now, not even them. Too large, way too heavy and oak color which is dated. My wife and I find low priced out of style furniture on craigslist (there's a ton of it) and refinish it...
by BW1985
Wed Nov 15, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8831

Re: Has used furniture dropped in value dramatically?

Out of style. My parents have a house full of solid oak furniture they paid thousands for 20 years ago, nobody wants it now, not even them. Too large, way too heavy and oak color which is dated. My wife and I find low priced out of style furniture on craigslist (there's a ton of it) and refinish it ...
by BW1985
Wed Nov 15, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: How do you stop junk mail?
Replies: 29
Views: 1560

Re: How do you stop junk mail?

I like to mail back or re-mail some of the useless junk mail I receive. E.g. I stuff a Walmart flyer into a pre-paid American Express envelope and send it off. Doing my bit to support the USPS :D Just raising the costs of Amex and others - but of it makes you feel better than its cheaper than a psy...
by BW1985
Mon Nov 13, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 6001

Re: Costco for tires and car insurance?

When does everyone replace? I'm at 4/32" and considering 'winter is coming' I'm thinking it's probably best to do it now even though they have some life left (in dry conditions atleast). The middle band that shows the wear the fastest is pretty smooth on my cars, but I'm waiting until they fail ins...
by BW1985
Mon Nov 13, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 6001

Re: Costco for tires and car insurance?

When does everyone replace? I'm at 4/32" and considering 'winter is coming' I'm thinking it's probably best to do it now even though they have some life left (in dry conditions atleast).
by BW1985
Mon Nov 13, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 6001

Re: Costco for tires and car insurance?

OP here again. Thanks again to everyone for sharing your experiences. I think I'll wait till next month and see if Costco does a sale on Michelins. I've got a set of Michelins for my 2007 Camry, which I'm in the process of selling. They've been good tires, so I feel inclined to get another set for ...
by BW1985
Mon Nov 13, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 6001

Re: Costco for tires and car insurance?

Which flyer? I see the $70 off but no mention of 1 cent installation.
by BW1985
Mon Nov 13, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15236

Re: Why pay cash for a car?

It depends. If you are buying a Ford, you can see right on Ford's website when they offer loan incentives. When they clearly offer $1000 to finance with zero cash alternative, you bet I'm going to finance. Honda does the same kind of incentive but they are less obvious but the sales guy will tell y...
by BW1985
Fri Nov 10, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Best Approach for Purchasing Many Furnishings
Replies: 27
Views: 1771

Re: Best Approach for Purchasing Many Furnishings

When we bought our house I learned how expensive furniture was. Luckily for us my wife likes to take old outdated furniture off craiglist for very cheap and then refinish it by chalk painting it or staining it to her style. So that's one way to go.