Search found 139 matches

by BackOfTheNet
Mon Dec 04, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3360

Re: Understanding the World of Credit Card "Points"

I think that signup bonuses can be worth the effort. Between my wife and I, we open probably 10 new accounts each year just for the bonus. For example: https://creditcards.chase.com/rewards-credit-cards/chase-sapphire-preferred 50,000 bonus points when you spend $4,000 within 3 months. $0 annual fee...
by BackOfTheNet
Mon Nov 13, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4015

Re: 2018 FEHB HDHP Recommendations

We switched to GEHA HSA for the birth of our second child and haven’t looked back. GEHA carries decent dental coverage, so we cancelled our FEDVIP coverage. Compare your total annual outlay when comparing plans, and don’t forget to factor in the premium pass-through. The HSA is housed at HSABank an...
by BackOfTheNet
Fri Nov 03, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 1824

Re: What so scary about TSP loans?

If you have enough money in the G fund you could switch your allocations such that your earnings should not change. For example if you had: $150,000 C Fund $50,000 G Fund (Paying 2.25% guaranteed) Make a change to $200,000 C Fund. Then take the $50,000 loan. Now you have $150,000 C Fund $50,000 loan...
by BackOfTheNet
Thu Nov 02, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 20273

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?

rascal7298 wrote:
Wed Nov 01, 2017 11:56 am
Apparently DOD does not utilize hsa so hdhp is a no go.
I was an Army civilian about 4 years ago and had GEHA HDHP (with HSA bank) so this would be a new change.
by BackOfTheNet
Tue Oct 31, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1468

Re: Want to move kids' iPhones to a cell carrier without data overages

T-Mobile is unlimited and fairly inexpensive. Last month we used 21 GB between 2 lines and paid $80.00 taxes included.
by BackOfTheNet
Fri Oct 27, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: 91, 01, 09. Then 19? [Year for next market crash]
Replies: 27
Views: 2625

Re: 91, 01, 09. Then 19?

Trying to edit this
by BackOfTheNet
Wed Oct 25, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14995

Re: 2018 ACA rates now live....

When my wife and I got married in 2006 we paid $87 per month on the open market for this plan: https://i.imgur.com/lGNhK6u.png Obviously you could not sell this plan today as it does not cover enough, but it was great for that stage in our life. http://agents.norvax.com/quote/brochure/HNCA/HNCA_SWP_...
by BackOfTheNet
Thu Sep 21, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 3110

Re: Realtor to buy home?

What about something like PenFed real estate rewards?

https://www.penfed.org/mortgage-center/ ... te-rewards

If Penfed funds your loan AND picks your agent, you get a %1.5 credit on the selling price.
by BackOfTheNet
Tue Sep 19, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1498

Re: Time to buy a used VW Diesel?

I think there are some deals to be had on the V6 diesels. Something like this: http://www.audistratham.com/used/Audi/2014-Audi-Q5-2379959f0a0e0aea4a9cbb0126180aa7.htm?utm_campaign=deeplink&utm_medium=referral&utm_source=cars.com VW is currently on the clock to develop a fix for these vehicles. If th...
by BackOfTheNet
Fri Sep 15, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: The true cost of Luxury
Replies: 32
Views: 3945

Re: The true cost of Luxury

I like getting my stuff from Costco so I feel I got a deal without breaking the bank. Recently I came upon a "sidewalk sale" from a more expensive clothing company (Mountain High Outfitters). Even at 70% off, a pullover fleece was like $30-$40. The Costco fleece I was wearing at the time felt and l...
by BackOfTheNet
Fri Sep 08, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Classic Car for Teen Driver(?)
Replies: 106
Views: 18432

Re: Classic Car for Teen Driver(?)

daytona084 wrote:
Mon Jun 25, 2012 11:54 am

Diceman,
The notion that old cars are "tanks" and new cars are flimsy is a myth.
+1 . Here is another good video:

https://www.youtube.com/watch?v=85OysZ_4lp0

A 2015 Nissan Tsuru (Basically a 1992 Sentra) vs 2016 Sentra.
by BackOfTheNet
Tue Sep 05, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 85
Views: 82023

Re: Experience selling car to Carmax?

I've sold 2 cars to Carmax (12.5K and 16.0K), both were quick and easy. I've also had good luck on Craigslist with cheaper cars ($3k and $7k). The Carmax offers on the cheaper cars were laughable.
by BackOfTheNet
Wed Aug 30, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Refurbished or New TV?
Replies: 29
Views: 1936

Re: Refurbished or New TV?

I recently bought a 55 inch 4k no-name smart TV for $349. It's really nice. Apparently, now some stores have it as cheap as $139.

http://brickseek.com/walmart-inventory- ... u=55586088
by BackOfTheNet
Fri Aug 18, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16966

Re: Lost $7000 today in ONE DAY!

TSP G fund is up.
by BackOfTheNet
Thu Aug 17, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 13054

Re: Is it worth it? [demanding jobs vs time with family]

I don't think you can fully know until you give it a try. Can you reduce your hours temporarily to see how it goes? My wife quit her job to stay home with our kids but ended up very ready to go back to work. She's now back at work and the whole family is happier. She works probably 50 hours a week a...
by BackOfTheNet
Thu Jul 20, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Scripters/Coders - Wanting to Learn
Replies: 17
Views: 1658

Re: Scripters/Coders - Wanting to Learn

A great resource I recommend for beginners is below: https://projecteuler.net/ It is a series of math problems that will let you figure out the basics of the language as you solve. I think it's really well suited to python. For example, the first problem is: If we list all the natural numbers below ...
by BackOfTheNet
Mon Jun 05, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 10703

Re: Worth it to buy expensive clothes?

As far as Allen Edmonds. If you don't know, here are two potentially cheaper ways to get them. 2nds: Shoebank.com "3rds": There is an eBay seller (dabondo1 ) that sells a variety of factory rejects or shoes that have been tried on. They will accept 60% as a "best offer" on all the listed prices. The...
by BackOfTheNet
Fri Apr 21, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3412

Re: How to reduce my income tax

Your situation is very similar to ours (you are about 4 years ahead) so thanks for the thread. Our stats below for comparison but its seems like you are doing pretty good for the extra income. One Federal Employee Husband - 33/ Wife - 33 Dependents: Two (5/3) 2016 Annual Salary: $205k 2016 Adjusted ...
by BackOfTheNet
Thu Apr 20, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Selling classic car via consignment
Replies: 10
Views: 1140

Re: Selling classic car via consignment

fund wrote:Have a look at bringatrailer.com.
I would also vote for bring a trailer. Like fund, I've never listed a car but I do browse quite a bit. Here is a listing of all SLs that have been listed there to get an idea of what they bring.

http://bringatrailer.com/search/mercedes+sl/
by BackOfTheNet
Mon Mar 20, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 9578

Re: Citi card Nightmare

File a CFPB complaint.

I've filed two complaints and each time I received a phone call from a very motivated and empowered person at the credit card company. Both problems were quickly fixed after much runaround through the typical channels.
by BackOfTheNet
Wed Mar 15, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 4332

Re: Vanguard: "Important: We've been unable to reach you by email"

Jack FFR1846 wrote:
BackOfTheNet wrote:Sounds like a phishing email. Are there links in the email that it is asking you to click? I'd be careful.


It wasn't an email. I'm not sure how to click a link on a piece of paper that came out of an envelope.


Doh! :oops: Bad reading on my part sorry.
by BackOfTheNet
Wed Mar 15, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 4332

Re: Vanguard: "Important: We've been unable to reach you by email"

Sounds like a phishing email. Are there links in the email that it is asking you to click? I'd be careful.
by BackOfTheNet
Wed Mar 08, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to make it easier for spouse upon death
Replies: 91
Views: 12650

Re: How to make it easier for spouse upon death

We keep a list of institutions where we have accounts. No account numbers, no passwords, balances, etc. That way my wife could pick up the phone and call: "Hello, American Express, my Husband is dead" "Hello, Insurance company, my Husband is dead" "Hello, TSP , my Husband is...
by BackOfTheNet
Tue Feb 07, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage advice
Replies: 9
Views: 736

Re: New mortgage advice

Have you looked at the 5/5 ARM product from Penfed? m m I'd put down 10% and take negative points to lower my closing costs. I just ran a quote and they will do 3.375% with $2,400 rebated to you for closing costs. Assuming 10% down at $307,500. With the 5/5 payment with PMI included is $1,290.38 VS ...
by BackOfTheNet
Fri Jan 13, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 12225

Re: How much do you typically spend in a restaurant?

We probably spend on average between $40 - $70. This is in addition to the $50 babysitter bill.
by BackOfTheNet
Sat Jan 07, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 231
Views: 32290

Re: 2017 hedge fund contest

Moolala wrote:
BackOfTheNet wrote:I

Let me know if you see something wrong.

Oops! All of my shorts are listed as longs and my longs are listed as shorts!

Short: JWN, VSI, XRX

Long: PZZA, DIS, HSY

I also forgot a name but that's my bad! :( Unofficial name for the record: Topiary Prosperity


Fixed it.
by BackOfTheNet
Fri Jan 06, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 231
Views: 32290

Re: 2017 hedge fund contest

Looks like the deadline has passed. 65 entries.

https://docs.google.com/spreadsheets/d/ ... edit#gid=0

As of this posting the open price is still Jan 2nd. Sometime in the next few days I will update the sheet to be based on the correct day (Jan 6th).
by BackOfTheNet
Thu Jan 05, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 231
Views: 32290

Re: 2017 hedge fund contest

I'd also like to participate but will withdraw if that seems like a conflict.

Fund name: Priced in

Long:
SHLD
DIS
AXP

Short:
WMT
CAT
MMM
by BackOfTheNet
Wed Jan 04, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 231
Views: 32290

Re: 2017 hedge fund contest

I added a link to the contest in the OP.
by BackOfTheNet
Fri Dec 30, 2016 10:45 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 28684

Re: 2016 hedge fund contest

LadyGeek wrote:..


Thanks LadyGeek. I don't know how I missed the 2016 dates.
by BackOfTheNet
Fri Dec 30, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 28684

Re: 2016 hedge fund contest

2017 thread is up. Please let me know if I've left anything out.

viewtopic.php?f=10&t=206778
by BackOfTheNet
Fri Dec 30, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 231
Views: 32290

2017 hedge fund contest

I meant to get this up earlier but this is the thread for the 2017 hedge fund contest. You can find the previous year's contest (2016) here: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=181033 Rules (Trying to keep it as similar as possible to previous years). ⋅ Pick a fancy n...
by BackOfTheNet
Fri Dec 23, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 28684

Re: 2016 hedge fund contest

grok87 wrote:I'm happy to help out next year...


Sounds good. I'll send you a PM.

Also, I went back and closed out positions based on what people posted in this thread. Positions that were closed are highlighted.
by BackOfTheNet
Fri Dec 23, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 2398

Re: Honda Odyssey Value point

Have you looked at the new Chrysler Pacifica? They are selling for way under MSRP and get amazing reviews.

Something like this:

http://www.fallsmotorcity.com/new/Chrys ... 01d36c.htm

Might be a good value vs an older Honda.

https://www.youtube.com/watch?v=Tf6kwZxhYzA
by BackOfTheNet
Thu Dec 22, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 3566

Re: Cappuccino/Espresso machine recommendations?

We're not coffee snobs but we bought a superautomatic about a year ago and it's been great. There is some cleaning every now and again, but it's great to just pour beans in the hopper and have a fresh cup at the push of a button. It was a couple hundred dollars but we do use it every day. Something ...
by BackOfTheNet
Mon Dec 19, 2016 12:01 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 28684

Re: 2016 hedge fund contest

CRC went 1 for 10 reverse split, the stock is down big from when I shorted it, your sheet shows the opposite - a gain in price. is this for California Resources Corp? Dosen't google usually price splits and dividends into historical prices? The data I'm getting back is a price of $20.30 for Jan 4th...
by BackOfTheNet
Mon Dec 19, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 28684

Re: 2016 hedge fund contest

Through the magic of copy and paste I rearranged the table to make calculations easier. Still to do is go back and close out positions based on dates people made the request. m Also, if Norbet is MIA, I can run this contest next year. Maybe 1 or 2 people would want to help out? I can share the googl...
by BackOfTheNet
Fri Dec 16, 2016 5:15 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 28684

Re: 2016 hedge fund contest

I've started the process of importing this contest into Google Sheets. Not as fancy (yet) as the previous webpage. m Right now I don't have the funds combined but you can sort of see how the individual stocks are doing. Am I calculating these correctly? I'm sort of unsure about the shorts but it see...
by BackOfTheNet
Fri Dec 16, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: 20% Match on 401k.. sorta.
Replies: 45
Views: 5567

Re: 20% Match on 401k.. sorta.

To compare, I put together a couple of tables. m Match based on contributions vs match based on salary. For match based on salary, I assumed employer contributes 3% of salary regardless of employee contribution. Seems like employees with low salary and high contributions would prefer to be matched t...
by BackOfTheNet
Thu Dec 15, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Cancun / Playa de Carmen – transportation issue with infant and toddler
Replies: 11
Views: 1432

Re: Cancun / Playa de Carmen – transportation issue with infant and toddler

You may or may not be considering this but I'd stay away from Cancun proper. Lots of people trying to sell junk (or just asking for money) and really just unpleasant overall.
by BackOfTheNet
Thu Dec 01, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 8486

Re: Should I buy a new car for safety's sake?

I'm late to the party but I think watching these two short crash videos do a great job of showing the difference between a modern car and an older model. 21015 Nissan Tsuru (basically a 1992 Nissan Sentra) vs 2016 Nissan Versa m This one is a few years old: 1959 Checy BelAir (BUILT LIKE A TANK!) vs ...
by BackOfTheNet
Sat Nov 26, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: I401k Whether to go Roth or not
Replies: 48
Views: 3980

Re: I401k Whether to go Roth or not

BackOfTheNet, 1) There is no 20% tax bracket. 2) This does not happen for 90+% of people. 3) Do you do your own tax? KlangFool I should have clarified that I was making an oversimplification to illustrate that Roth is not always better. But I do agree with you that such an oversimplification is pro...
by BackOfTheNet
Wed Nov 23, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Federal Deferred Retirement - When to take
Replies: 11
Views: 1417

Re: Federal Deferred Retirement - When to take

rkhusky wrote:
Boots B. wrote: (You get 10 percent additional for over 20 years)

Is this true? I thought you got 10% extra if you retire at 62 or later.


That seems to be how this reads:

https://www.opm.gov/retirement-services ... mputation/
by BackOfTheNet
Wed Nov 23, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 5981

Re: How Much Housing Payment Can a Boglehead Afford?

We make just north of $200,000 and our current mortgage is less than $1,000 per month. My max would probably be about half of what you have listed or about $2,750.

Though, I think that is influenced by the amount of house that would buy in this low cost of living area.
by BackOfTheNet
Tue Nov 22, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Deferred Retirement - When to take
Replies: 11
Views: 1417

Re: Federal Deferred Retirement - When to take

So your future pensions would look something like this?

Go back:
.01 x 20 x $160,000 = $32,000 annually

Wait till 62
$18,000 annually

Take at 60
$12,000 annually
by BackOfTheNet
Fri Nov 18, 2016 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Contribution limits
Replies: 6
Views: 913

Re: HSA Contribution limits

Me through my employer: HSA ( HDHP ) plan option that covers myself and my children (employee + children) Wife through her employer: REGULAR NON-HSA plan that covers herself only (single). Also, if the premiums are the same, It is my understanding that you could add your wife to your HDHP and you w...