Search found 1383 matches

by Jags4186
Thu Nov 23, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Would Discount Tire credit card count towards 5/24? Worth it?
Replies: 2
Views: 274

Re: Would Discount Tire credit card count towards 5/24? Worth it?

This is probably a silly question....I think I know the answer, but I am being hopeful. I can save $120 on tires if I get a Discount Tire credit card.   My credit score is good enough that I don't really care about the hard pull. Would the card count towards 5/24? (I already have CSR, Freedom and F...
by Jags4186
Thu Nov 23, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 6841

Re: Concerned parent :(

You should let them study what they want within reason. Most majors have a practical application. I was a history major, most people said to me “what are you going to do become a history teacher?” Nope I ended up a manufacturers rep. But my history degree taught me how to synthesize information in ...
by Jags4186
Thu Nov 23, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 58
Views: 3223

Re: Best Basic DESKTOP?

I would just like to point out that if you want to buy a computer today is a great day to shop at Dell.com. You should go through a cashback portal such as TopCashBack.com. Dell is 20% off today. I admittedly feel like a dope because I bought my wife a computer last week and it was only 10% off. You...
by Jags4186
Thu Nov 23, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 6841

Re: Concerned parent :(

You should let them study what they want within reason. Most majors have a practical application. I was a history major, most people said to me “what are you going to do become a history teacher?” Nope I ended up a manufacturers rep. But my history degree taught me how to synthesize information in ...
by Jags4186
Wed Nov 22, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Playing the Car Insurance Deductible Game
Replies: 19
Views: 1147

Re: Playing the Car Insurance Deductible Game

Thanks for the thought on the windshield - hadn't thought about that. As for DM's point, my sense is that some people favor different collision/comprehensive deductibles under the thinking that it's a good idea to assume more risk for things that are in your control - i.e., higher collision deducti...
by Jags4186
Wed Nov 22, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 137
Views: 7755

Re: Help DW gets fired, but then next day her boss offers her job back

The employer has really put you in a bad he said she said position. Without written communication that you’ve been fired they have basically put you in a position of “we’re cutting your pay, either accept or resign”. What I would do is request everything they’ve said in writing before you can consid...
by Jags4186
Wed Nov 22, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 58
Views: 3223

Re: Best Basic DESKTOP?

Sorry I would not recommend a Mac Mini under any circumstances. It has not been updated since October 2014. :shock:
by Jags4186
Tue Nov 21, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13004

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

If using cash, I would ask for a 2~3% discount from vendor since I saved them fees. Does Wal-Mart give you a 2-3% discount when you pay cash? Lowes? Publix? etc? I knew many gas stations do. In many places on this planet, cash is the only payment method. I know of one gas station in my area that ha...
by Jags4186
Tue Nov 21, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: OP UPDATE:Car Accident- challenge getting funds for repairs by responsible party/insurer
Replies: 28
Views: 1423

Re: Car Accident- challenge getting funds for repairs by responsible party/insurer

99.9999999% of the time it makes sense to go through your insurance company because they work for you. It's not as if your insurance company doesn't know you filed a claim with another company. All that information will be tied to your VIN#. I don't understand the hesitancy of using your insurance i...
by Jags4186
Tue Nov 21, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Advice on Mileage Reimbursement Options
Replies: 11
Views: 424

Re: Advice on Mileage Reimbursement Options

Are the two cars comparable? Are you currently driving a Honda Civic and is the company offering a Mercedes, or you currently driving a Mercedes and the company offering to rent you a Honda Civic? Ralph I drive a CUV. Let's assume the rental is comparable. Not Audi's or BMW's, unfortunately Run the...
by Jags4186
Tue Nov 21, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Advice on Mileage Reimbursement Options
Replies: 11
Views: 424

Re: Advice on Mileage Reimbursement Options

If you never go over 2000 miles a month and you have a reasonable car it’s a no brainer to take the mileage IMO. Most cars do not cost $0.535/mi to run. And a car with 50,000 miles certainly is past its worst depreciation zone. I get $0.535/mi and its wonderful—covers all of my costs and then some a...
by Jags4186
Tue Nov 21, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Concerned parent :(
Replies: 56
Views: 6841

Re: Concerned parent :(

You should let them study what they want within reason. Most majors have a practical application. I was a history major, most people said to me “what are you going to do become a history teacher?” Nope I ended up a manufacturers rep. But my history degree taught me how to synthesize information in o...
by Jags4186
Mon Nov 20, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13004

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

LEB1230 wrote:
Mon Nov 20, 2017 8:59 pm
Jags4186 wrote:
Mon Nov 20, 2017 4:29 pm
I certainly save more than Dave Ramsey recommends
What does he recommend?
15%
by Jags4186
Mon Nov 20, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13004

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

What DRIVES ME NUTs about his credit card advice is he says over and over "No one has gotten wealthy with credit card points / rewards". He misses the point when people call and ask him about this. They aren't asking if CCs will make you wealthy. They ask if it is okay to pay off the CCs monthly an...
by Jags4186
Mon Nov 20, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13004

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

This is all solved simply by defining what you want to save per year and spending the rest. Then it doesn’t matter if you put it on a credit card or pay cash. Well it matters since you’re giving up your credit card rewards by paying cash. If you can’t prioritize saving over spending then maybe you s...
by Jags4186
Mon Nov 20, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5521

Re: Tipping in living wage state. Redux.

I don't tip because I think servers are underpaid. I tip because it is a social norm. When I go to most European countries I don't tip. It is not a social norm. It's not my job to determine whether someone is paid appropriately or not unless I'm their employer. Quite frankly I think it's complete ga...
by Jags4186
Mon Nov 20, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 20
Views: 1000

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

The biggest challenge when using these portfolios is getting over short term performance. Paul Merriman talks about this in his podcast a lot. It’s hard to stick with a very diversified portfolio when the S&P 500 is going gangbusters year after year. We live in the now and a day, month, year, or eve...
by Jags4186
Mon Nov 20, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Which BoA Credit Card to use?
Replies: 22
Views: 1583

Re: Which BoA Credit Card to use?

Just a quick word of warning regarding BoA credit cards. They offer some of the weakest extended warranty and purchase protection benefits and no price protection benefits. You’ll need to decide if the simplicity of using 1 card is worth giving up those benefits. I’ve really gotten into using price ...
by Jags4186
Sun Nov 19, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13004

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

I don’t think he’s being disingenuous when he says don’t use credit cards. Again let’s look at the facts: Dave Ramsey #1 tenant to stay out of debt. Dave Ramsey’s primary audience is people with consumer debt. Dave Ramsey has a monetary incentive to not use credit cards. If he were caught using a cr...
by Jags4186
Sun Nov 19, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 13004

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

I'd spend much less if I couldn't use credit cards. How would I get anything online? Debit card? Paypal linked to checking account? Lots of ways, TBH. Regarding DR and credits cards its important to note who his audience is. 95% of it is broke people with consumer debt up to their eyeballs. Of cour...
by Jags4186
Sun Nov 19, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 18
Views: 1317

Re: HelloFresh meal boxes - disputing credit card charge

If you’re a good customer and don’t normally have chargebacks there’s probably a good chance the credit card company would eat the charge regardless of the merits given the value. As for whether it’s justified or not, no it’s not. Just because you don’t read all the terms doesn’t mean it’s not in th...
by Jags4186
Sun Nov 19, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 20
Views: 1000

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

I am not an expert in the TrevH portfolio but i remember multiple folks mentioning in different threads that ILV can be replaced by ILB and ISV by IS. And TrevH also posted a past history comparison chart for those replacements https://www.bogleheads.org/forum/viewtopic.php?p=487691#p487691 Correct...
by Jags4186
Sun Nov 19, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options
Replies: 20
Views: 1000

Re: Trev H Four-Fund Portfolio Tax Loss Harvesting Partner Options

That isn’t TrevH’s portfolio, anyway. You need a int’l LCV fund which Vanguard does not offer in ETF form. Even in their mutual funds they only offer an active fund, VTRIX.
by Jags4186
Fri Nov 17, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3215

Re: Value of 401k Employer Match vs. Salary Equivalent

401k Match is most certainly not equivalent to salary IMO. While yes from a numbers perspective you make out the same or perhaps slightly better, benefits are much much easier to cut than salary for the organization. When benefits are cut, people sometimes grumble but I find most people simply don’t...
by Jags4186
Thu Nov 16, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40702

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by Jags4186
Thu Nov 16, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 233
Views: 40702

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by Jags4186
Thu Nov 16, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12289

Re: Request for Promotion letter to Senior Management

That last reply by the OP demonstrates very clearly to us what his colleagues see on a day to day basis. SMH. Completely oblivious. OP, answer this question as if you were the decision maker. Why would you give an employee who is not a flight risk and has no desire to take on new responsibilities a...
by Jags4186
Thu Nov 16, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12289

Re: Request for Promotion letter to Senior Management

I am surprised about the - find a better offer and threaten to quit now responses, considering one of my main responsibilities is to ensure my mom has a comfortable remaining life and the fact that the flexibility in my current position affords me that capability. I thought you were younger too... ...
by Jags4186
Thu Nov 16, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Amegy Bank $1000 business Card offer
Replies: 19
Views: 2104

Re: Amegy Bank $1000 business Card offer

Capital One is offering $1000bonus for their Spark Cash business card but it requires $10,000 spend in 3 months. Capital One refuses to approve me for anything so I passed on applying but everyone else should give it a shot if they can hit the spend. It’s such a large bonus I think even if you can’t...
by Jags4186
Tue Nov 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4391

Re: What is the difference between retiring and resigning from a job?

Does your company have special retirement rules vs resigning rules? For example, where I work, if you qualify for retirement as they define it, you receive a prorated bonus for time worked that year. So if you qualify for a $35,000 bonus and work 6 months of the fiscal year, you would be eligible to...
by Jags4186
Tue Nov 14, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if you ACH to an account that is closed?
Replies: 5
Views: 776

Re: What happens if you ACH to an account that is closed?

Should have waited 1 more day to asked about this! Received an e-mail from Institution A today saying the transaction was rejected and the $1500 is back in the original account.
by Jags4186
Tue Nov 14, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What happens if you ACH to an account that is closed?
Replies: 5
Views: 776

What happens if you ACH to an account that is closed?

So long story short, I sent $1500 from institution A to institution B. Instituation B closed the receiving account the same day the transfer was initiated. It is 7 days later and institution A transfer page shows the money was “delivered”. I received a cashiers check from Institution B for the remai...
by Jags4186
Tue Nov 14, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 1897

Re: problem new Vanguard Global Wellington fund

The prospectus is just strategy and objectives. Despite what many wish for there is no fund whose chart looks like a straight line going up and to the right. The fund is down because in the last month global equities of moved down slightly and the 10 year treasury has moved from 2.3% yield to 2.4% ...
by Jags4186
Mon Nov 13, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2020

Re: Iphone 4

You can get an iPhone SE for $99. I would highly recommend the upgrade. Can you tell me how to get the SE for $99? That's such a killer deal. The SE is quite capable. I'm assuming this is an unlocked phone. I just bought a brand new "unlocked" SE for my wife (her 5S was failing). It was $349 from A...
by Jags4186
Mon Nov 13, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2352

Re: Verizon Wireless - Asking for a lower rate

Cricket Wireless is Unlimited Talk/Text and 2GB data (throttled to 2G speeds after 2gb) for $30/mo including taxes and fees.
by Jags4186
Mon Nov 13, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Laptop from Costco - Chase Freedom/AMEX
Replies: 9
Views: 948

Re: Laptop from Costco - Chase Freedom/AMEX

Hi, I am planning to buy laptop from Costco Online. I can use either AMEX and Chase Freedom online. Based on the extended warranty, which one is the card that I should use so that I can better coverage for my laptop - Chase Freedom -AMEX Blue Thanks, JR Chase Freedom gives you price protection and ...
by Jags4186
Mon Nov 13, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2020

Re: Iphone 4

No need to update phones every year but the iPhone 4 is obsolete. It no longer receives updates, including security updates, and apps will no longer support the hardware. The battery will eventually not hold much of a charge. Even if you simply use the phone for text messaging, phone calls, and occa...
by Jags4186
Mon Nov 13, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1681

Re: Use or Lose $850 from Limited Expense FSA

I knew I’d be getting a windfall this year so, searching for ways to reduce my earned income, and knowing DW has a tooth that has been “on the verge” of needing a root canal / crown, I put about $1000 extra into my limited expense (LEX) FSA. As I have an HDHP with HSA, my LEX FSA is limited to dent...
by Jags4186
Sat Nov 11, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 18365

Re: Paul Merriman: The One Fund Every Investor Should Own

I think the most important factor in investing is picking a sound path and sticking to it. 3 fund portfolio, Merriman portfolio, Coffee House portfolio, TrevH portfolio, etc. etc. will all likely serve you well. But it’s sticking with it through ups and downs. It’s the switching in and out of differ...
by Jags4186
Sat Nov 11, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6274

Re: Isn't it safer to NOT sign Credit card?

The only time I get asked for ID is if I didn’t sign the back of the card. If any of you have an AMEX Blue or AMEX Everyday card you know how tiny the signature panel is. If you have a long name like I do, your signature doesn’t really fit. That said, as others have pointed out, credit card fraud is...
by Jags4186
Fri Nov 10, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my settlement
Replies: 16
Views: 1598

Re: How to invest my settlement

While it may seem like a lot of money, and it objectively is, $400,000 is not panacea to life. Something awful must have happened to earn you this much of an award so I hope you are okay. That said, you still need to save a lot more money to be able to retire, buy a house, raise a family, etc. I mig...
by Jags4186
Fri Nov 10, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 337
Views: 36211

Re: Did you tell anyone you paid off your mortgage?

I don’t understand why you’re so angry? You think in every single case it makes sense to pay off a mortgage. I don’t. I can make a valid argument on why that is the case and all you can say is “DAVE RAMSEY SAYS RISK”. I don't see Grt2bOutdoors's comments as angry, and he has not mentioned Dave Rams...
by Jags4186
Fri Nov 10, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 337
Views: 36211

Re: Did you tell anyone you paid off your mortgage?

and in the meantime where will you live if day the value of your portfolio is only enough for 1 years worth of rent? Meanwhile a paid off home is just as comfortable as it was the day before the market crashed! You don’t pay rent to live in your home in the form of property taxes, home owners insur...
by Jags4186
Fri Nov 10, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 337
Views: 36211

Re: Did you tell anyone you paid off your mortgage?

and in the meantime where will you live if day the value of your portfolio is only enough for 1 years worth of rent? Meanwhile my paid off home is just as comfortable as it was the day before the market crashed! You don’t pay rent to live in your home in the form of property taxes, home owners insu...
by Jags4186
Fri Nov 10, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 337
Views: 36211

Re: Did you tell anyone you paid off your mortgage?

Wrong. What if the market crashes and wipes out the money that person had saved, which could have satisfied the mortgage. Let’s look at a sunk cost analysis: If you didn’t have a mortgage, would you obtain one and invest all the proceeds in the stock market? No, I wouldn’t either. A 100% equity por...
by Jags4186
Thu Nov 09, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1085

Re: Best mobile Family Plan for 4 Lines?

I am on Sprint through my company and I would recommend you avoid. 3G data is useless, it simply does not work. That means you must be connected to LTE to use data and I find that to be touch and go. Also, sprint does not support voice over LTE which means you cannot use data while on a call. That'...
by Jags4186
Thu Nov 09, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1085

Re: Best mobile Family Plan for 4 Lines?

I am on Sprint through my company and I would recommend you avoid. 3G data is useless, it simply does not work. That means you must be connected to LTE to use data and I find that to be touch and go. Also, sprint does not support voice over LTE which means you cannot use data while on a call.
by Jags4186
Thu Nov 09, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3778

Re: What is a reasonable emergency fund for HI family?

6 months expenses. So if you spend $5000 a month, that’s $30,000. That’s not that much and you can always count it as part of your fixed income in your AA. Our emergency fund is only 4% of our net worth. In my opinion this varies a lot depending on stage of life and personal circumstances. I am age...
by Jags4186
Thu Nov 09, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3778

Re: What is a reasonable emergency fund for HI family?

6 months expenses. So if you spend $5000 a month, that’s $30,000. That’s not that much and you can always count it as part of your fixed income in your AA. Our emergency fund is only 4% of our net worth. In my opinion this varies a lot depending on stage of life and personal circumstances. I am age...