Search found 1331 matches

by Bfwolf
Sat Feb 18, 2017 2:39 am
Forum: Personal Consumer Issues
Topic: What constitutes Preventative Care?
Replies: 12
Views: 899

Re: What constitutes Preventative Care?

Everything said above seems correct to me. But in my experience, some docs are pretty cool about it and will handle some deviation (or maybe a lot of deviation) from the annual physical checklist and still just code it as a physical.
by Bfwolf
Sat Feb 18, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: Advice on what to do with CD coming due
Replies: 10
Views: 843

Re: Advice on what to do with CD coming due

I think we need more information. Info like:

1) How stable is your job and how much are you saving annually?

2) What are you saving the money for? Retirement or something closer in?

3) That debt....will it be 0% forever? If not, when does it change and to what?
by Bfwolf
Sat Feb 18, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 34
Views: 2612

Re: Wifi Router Advice

http://thewirecutter.com/reviews/best-wi-fi-router/ (The Wirecutter generally has good reviews for electronics) I have the Archer C7 recommended in the article. For a long while, I was having tons of issues with slow service when I connected with my phone (but not with my computer for some reason)....
by Bfwolf
Fri Feb 17, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Vietnam
Replies: 31
Views: 2472

Re: Vietnam

Hoi An is lovely as others have mentioned. Many hotels have bikes they'll let you borrow which you can use to go to An Bang beach, which is really nice. I did 2 tours with the same company at Hoi An which I would highly recommend. One is the free bike tour of Kim Bong village. Really enjoyable...the...
by Bfwolf
Thu Feb 16, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

My wife and I recently both applied for the Chase Reserve card for the 100k point sign up bonus after spending $4,000 in the first 3 months. Our next payment will put us over that $4000 limit on each card, so we'll get the points. I'm hoping to open another Chase credit card to use it for the sign ...
by Bfwolf
Wed Feb 15, 2017 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: why invest internationally?
Replies: 72
Views: 3364

Re: why invest internationally?

Why doesn't the head of the Norwegian fund listen to Bogle and invest mostly in the US? What are they all missing? Why are all the world's investors being so dumb? :? Good question. Apparently they think the trend of the last 30+ years is about to do an about face. If US stocks continue to outperfo...
by Bfwolf
Wed Feb 15, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

travellight wrote:^ I found it! Thanks Drew and btwolf. Should one wait a month between churning the Alaska airlines cc?


I believe current conventional wisdom is 3 months in-between churning this card.
by Bfwolf
Wed Feb 15, 2017 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1823

Re: Any advice for buying a Dr Office?

I'm not sure why them owning the building is a dealbreaker, assuming they'd sign a 5 year lease upfront. I suppose it's not ideal being in a business relationship with your landlord, but once the 3 years has passed, the OP becomes just another tenant. OP, as far as understanding costs of the busines...
by Bfwolf
Tue Feb 14, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1823

Re: Any advice for buying a Dr Office?

When you talk about paying a % of collections, is that gross revenue or is that gross profit? I'm sensing it is the former. I would say the latter is far more interesting. Mature businesses tend to be valued as a multiple of their profits, not of their revenue. EDIT: and actually, I'd say net profi...
by Bfwolf
Tue Feb 14, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

Thanks for sharing this great info, btwolf! How do you get the $100 statement credit on Alaska? I didn't realize that was possible and just ate the cost. The Frequent Miler has a good list of best offers available. You can find the Alaska deal there. http://frequentmiler.boardingarea.com/best-credi...
by Bfwolf
Tue Feb 14, 2017 3:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

If I wait a year and get a 50k CSR bonus, it will be equivalent to ~$900. Thus, I am now inclined to tighten the belt and wait for the CSR eligibility. Victoria But man, there are some pretty good deals out there you are passing on with this belt tightening. I think the Merrill+ card is awesome. $3...
by Bfwolf
Tue Feb 14, 2017 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Any advice for buying a Dr Office?
Replies: 15
Views: 1823

Re: Any advice for buying a Dr Office?

When you talk about paying a % of collections, is that gross revenue or is that gross profit? I'm sensing it is the former. I would say the latter is far more interesting. Mature businesses tend to be valued as a multiple of their profits, not of their revenue. EDIT: and actually, I'd say net profit...
by Bfwolf
Mon Feb 13, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

I don't qualify for a CSR due to the 24/5 rule and my earliest eligibility will be about a year from now. Until then I will not be opening new cards. The CSR 100K in-branch bonus is ending in March and going down to 50K. Maybe it will return in the future, maybe not. For about 6 months at one point...
by Bfwolf
Fri Feb 10, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

I will revise my original comment to say a Star Alliance hub vs just MIA. Given that I *don't* live near an SA hub, it's not worth it for me. I would much rather take one 8-9 hour nonstop flight than significantly increase my flight time by adding connections, even if it is 'free'. -Steph Your same...
by Bfwolf
Thu Feb 09, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

Anyone have any experience with the new Avianca credit card (https://www.lifemilescreditcard.com/WLInternet/avianca.aspx#!)? I am looking at a family trip to South America, seems like a good card to get - 60,000 points. I hadn't heard of this card but just looked it up. Assuming you're based in the...
by Bfwolf
Wed Feb 08, 2017 12:04 am
Forum: Investing - Help with Personal Investments
Topic: I'm in the 48% tax bracket can someone explain what to do with my HSA?
Replies: 8
Views: 1625

Re: I'm in the 48% tax bracket can someone explain what to do with my HSA?

I suppose, it's better if I pay with post tax dollars and save the HSA as tax shelter investment vehicle because whatever I invest in my taxable account would be first taxed at 50%. I just need to look into how to roll over my HSA the best place to set up my HSA savings account would be. Yes, it's ...
by Bfwolf
Tue Feb 07, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Here...where to buy?
Replies: 7
Views: 731

Re: Beginner Here...where to buy?

Hi, Sorry if this has been asked before. I'm new to investing. I have watched all of the starter Boglehead videos so I have a tentative plan. I'm currently using Scottrade and Betterment. I have a couple of Vanguard funds. Is it better to continue to use Scottrade or just open an account with Vangu...
by Bfwolf
Mon Feb 06, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: S&P TIPS Index - 8% jump?
Replies: 0
Views: 299

S&P TIPS Index - 8% jump?

The S&P U.S. TIPS Index had an 8% jump on January 30th. This doesn't seem to reflect what happened with TIPS prices that day. What's going on?

http://us.spindices.com/indices/fixed-i ... tips-index
by Bfwolf
Mon Feb 06, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. Just got the Barclay Card Arrival which is 50,000 points. I don't travel so I'll be doing the partial redemption for $250 in Home Depot gift cards to get a sweet Bluetooth controlled electric smoker :D I've got a $500+ travel purchase I need t...
by Bfwolf
Sun Feb 05, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 315
Views: 19843

Re: Picking College and College Scholarships

Upcoming visits: University of Chicago, for physics and math, showing interest in economics, so possible double major? Notre Dame Stanford Berkeley - considering passing, not a big fan the HIGH PC culture (not looking to start political debate, personal/ family judgement) Not planned yet: Need to b...
by Bfwolf
Sun Feb 05, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

I've never flown Southwest before, but just learned they are my best bet for flights between IAD and ATL. I'll be making several of those flights over the coming year. Going to look into their points program. Any tips for saving or earning with them, is appreciated. 1) The Chase Sapphire Reserve is...
by Bfwolf
Fri Feb 03, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

Just finished the Wells Fargo $150 bonus with 1k spend. Just got the Barclay Card Arrival which is 50,000 points. I don't travel so I'll be doing the partial redemption for $250 in Home Depot gift cards to get a sweet Bluetooth controlled electric smoker :D I've got a $500+ travel purchase I need t...
by Bfwolf
Thu Feb 02, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

I consider my knowledge level about credit cards/points to be 99.99th percentile among regular people. Interesting. How long have you been studying / learning about credit cards/ points, if you don't mind saying? And at what intensity? Just wondering how much time I should expect to dedicate if I'm...
by Bfwolf
Thu Feb 02, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

I consider my knowledge level about credit cards/points to be 99.99th percentile among regular people. Interesting. How long have you been studying / learning about credit cards/ points, if you don't mind saying? And at what intensity? Just wondering how much time I should expect to dedicate if I'm...
by Bfwolf
Thu Feb 02, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

I consider my knowledge level about credit cards/points to be 99.99th percentile among regular people. At the Chicago Seminars I was 50th percentile at best. They have multiple speakers/break-outs going on at most times so you can choose a session that fits best with your level of expertise and what...
by Bfwolf
Tue Jan 31, 2017 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

By the way, I am thinking of attending the FlyerTalk Seminar in Chicago in October. If any Bogleheads have been there (or are planning to), I'm interested in your take on the event. Victoria I went to the Chicago Seminars this last October. It was my first points/miles/credit card seminar. I found ...
by Bfwolf
Tue Jan 31, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to maximize redemption of Chase Sapphire points?
Replies: 16
Views: 2603

Re: Best way to maximize redemption of Chase Sapphire points?

In my opinion, transferring them all to Southwest is the default option, assuming you live by an airport that gets good Southwest coverage. You'll almost always get about 1.5 cents per point with Southwest, and you can get it for any flight at any time....whatever the cash price is, you can pay with...
by Bfwolf
Tue Jan 31, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2855

Re: Suggestions for new credit card (with attractive minimum spend bonus)

Yeah if you're not going to give them your login info, there's no point in using Award Wallet. For accounts they can't log into, like Southwest, I have Southwest send my emails to my Award Wallet email address which then gets forwarded on to me. That way Award Wallet can somewhat keep up with my hap...
by Bfwolf
Sun Jan 29, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

Obviously, it depends upon the route one wishes, and probably a lot upon which airlines are at airports nearby. For us, it was $5.60 each way per person (so 4x that) for first class seat/beds to Asia from the USA East Coast, on JAL and Cathay Pacific. We had to change the date to a day or two diffe...
by Bfwolf
Fri Jan 27, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2855

Re: Suggestions for new credit card (with attractive minimum spend bonus)

Consider enrolling in Award Wallet premium to keep track of points potentially expiring. If you sign up before 2/1, you lock in $10 a year forever, otherwise price is going up to $30/year.
by Bfwolf
Fri Jan 27, 2017 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2855

Re: Suggestions for new credit card (with attractive minimum spend bonus)

The Hyatt and IHG free night certificates are good for 1 year.

Here's a roundup of hotel points expiration policies. Hyatt points expire after 1 year if you do not have any account activity. IHG points never expire. http://www.rewardandtravel.com/hotel-re ... ts-expire/
by Bfwolf
Thu Jan 26, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $100K I might need in 3 months?
Replies: 44
Views: 2984

Re: What to do with $100K I might need in 3 months?

b.lock wrote:
I would definitely put it in a high yield savings account such as Ally, which will pay you 1% per month.


I am sure you meant to say 1% per year.
by Bfwolf
Thu Jan 26, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington long term details Vs Indexes
Replies: 13
Views: 1912

Re: Wellesley and Wellington long term details Vs Indexes

Thanks guys. Very nice data on MStar. The report on Wellington is also very enlightening. It should be must reading for Bogleheads. Can someone add this to the WIKI? It shows what happens in a really bad market with raising interest rates and other head winds. I enjoyed reading how Mr. Bogle handle...
by Bfwolf
Thu Jan 26, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

If you aren't loyal to a specific hotel or airline chain, I would highly recommend the Barclaycard Arrival+. Their point system works like a credit to your account after your trip, so you essentially cover your qualifying travel costs with the points you've built up. Also it's one of the few cards ...
by Bfwolf
Thu Jan 26, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Best CC for Travel
Replies: 82
Views: 6670

Re: Best CC for Travel

Can you earn cash back with the CSR card, or is it only a good deal if you redeem it for travel? We actually do travel a good amount, and I would assume that would continue, however I don't want to be "trapped" to only travel to redeem our points. Also, does the CSR site where we redeem u...
by Bfwolf
Thu Jan 26, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions for new credit card (with attractive minimum spend bonus)
Replies: 41
Views: 2855

Re: Suggestions for new credit card (with attractive minimum spend bonus)

I like the idea of the Merrill+ card since you can get up to $1,000 worth of airfare and it has no annual fee. CSP is certainly a worthy option as well. There's some hotel card that are worth keeping on an ongoing basis that you might look into, too. The IHG card gets you 60K points (better offers m...
by Bfwolf
Tue Jan 24, 2017 10:37 pm
Forum: Personal Consumer Issues
Topic: Visiting Princeton/Philadelphia, where to stay
Replies: 24
Views: 1419

Re: Visiting Princeton/Philadelphia, where to stay

I don't live in Philly anymore, but when I go back I always try to get breakfast at least once at Sabrina's at 9th and Christian. The stuffed french toast is magnificent. Also worth noting that Philadelphia has tons of great BYOBs if you want a good meal without paying $40+ for a bottle of wine. Unf...
by Bfwolf
Tue Jan 24, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Visiting Princeton/Philadelphia, where to stay
Replies: 24
Views: 1419

Re: Visiting Princeton/Philadelphia, where to stay

Since most of our sightseeing will be in Philadelphia, would it be reasonable to stay in Philadelphia and just drive out to visit Princeton? Any specific hotels you would recommend in Philadelphia? Thanks Drum This would certainly be reasonable. I think doing a search for the dates you want on Trip...
by Bfwolf
Tue Jan 24, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 39
Views: 5929

Re: Those silly lotion containers

IMO, life is too short to spend it cutting off bottle tops to get at an extra ounce of lotion. I choose to spend the extra $1 and just buy a new bottle.
by Bfwolf
Fri Jan 20, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 72
Views: 8668

Re: Forever Stamps as an Investment?

The question is: what did the businesses do with the postage stamps when they received them? They sent you $2.00 worth of goods, you sent them 67 three-cent stamps... what did they use to purchase the stuff they sold to you? I presume they used the stamps people sent to mail their own letters/packa...
by Bfwolf
Fri Jan 20, 2017 12:17 am
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 8953

Re: Fed Rate [may go] to 3% - [investing consequences?]

OP, you've said a couple of times that longer-term interest rates are likely to increase in the next few years. This statement is the core of your confusion. All publicly available information, including what JY has said the Fed would like to do, is incorporated into longer-term interest rates, whic...
by Bfwolf
Tue Jan 17, 2017 2:24 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

Another tip, this time on Chase's Fairmont card which I just churned and got the rewards on: 2 free nights, 3rd night free with 2 paid nights, 1 room upgrade, and 1 suite upgrade, plus $50 dining. -the dining can be separate from the hotel stay; I plan to go out to brunch in my town with it rather ...
by Bfwolf
Sun Jan 15, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

for those who got the United mileage explorer card, don't cancel until close to the end of the year when the fee hits. They sent me two more United passes right before renewal. I then called to cancel and they gave me $100 credit which more than offsets the annual fee. Another advantage of keeping ...
by Bfwolf
Wed Jan 11, 2017 12:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1176
Views: 146071

Re: What's Your Credit Card Rewards Strategy?

What currencies do you like Skymiles over? In my experience they're probably the least valuable airline miles, including foreign airlines. This can be strongly affected by where you fly. In particular being in a Delta captive city can make Skymiles more useful than the gyrations necessary to use &q...
by Bfwolf
Sun Jan 08, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 5144

Re: Best printers for home use

If you have a little space, the Brother color laser 9130-CW is an all in one with very good printing and number (~2,500) of copies per set of toner cartridges. The price seems to fluctuate widely between roughly $260 and $380. We upgraded to this from a ink jet. The difference is pretty amazing. I ...
by Bfwolf
Sun Jan 01, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401K a no-brainer over company 401k?
Replies: 21
Views: 2777

Re: Solo 401K a no-brainer over company 401k?

Didn't read all of the post but I'm in a similar scenario where I have an employers 401K as well as income for a side business. One thing to remember is that your employers 401K does not limit the amount you can profit share in a separate Solo 401K. For example: you can defer 18K (Possibly more if ...
by Bfwolf
Fri Dec 30, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 12895

Re: I'll never save a 20% down payment. Rent for life?

At the risk of piling on with the folks who are giving you advice you are not asking for and not giving advice on what you are asking for, I also think it's potentially a mistake to discount your wife's earning potential. As an RN, it would seem she has the potential to out-earn you. You talk about ...
by Bfwolf
Fri Dec 30, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: Bogle worried about currency risk in Int'l Stocks
Replies: 34
Views: 2755

Re: Bogle worried about currency risk in Int'l Stocks

Yes, currency risk is real assuming you will be spending the money in US$s. This is a good reason to hold less than the cap weight (around 50%) of equities in International. Many people hold 20% to 40% of their equities in Int'l for this reason.
by Bfwolf
Thu Dec 29, 2016 2:20 am
Forum: Investing - Help with Personal Investments
Topic: What to do with unexpected $500K - no preexisting investments? [Canada]
Replies: 7
Views: 1273

Re: What to do with unexpected $500K - no preexisting investments?

Some suggestions: 1) Read the Boglehead wiki page on Managing a Windfall: https://www.bogleheads.org/wiki/Managing_a_windfall 2) Read the Boglehead wiki page on Getting Started. You can find kits to learn about personal finance, investing, etc. There's a LOT of material here, but it's worth your tim...
by Bfwolf
Mon Dec 26, 2016 11:40 pm
Forum: Personal Consumer Issues
Topic: How to get rid of your belly........
Replies: 82
Views: 10212

Re: How to get rid of your belly........

I like the person before who said diet, exercise, and consistency. IMO, diet is the biggest factor and advice usually comes in 1 of 2 forms: 1) Track your calories by writing it all down with Myfitnesspal or similar and only eat a target number of calories a day. What you eat is not particularly imp...

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