Search found 1203 matches

by Jags4186
Tue Sep 19, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2126
Views: 369090

Re: What's Your Credit Card Rewards Strategy?

BOA denied me their new card. I only have ever had 1 BOA card. "Too many accounts overall" was their answer. Barclays also denied me a new Arrival + and Aviator Red last week. Time to go into hibernation...reemerge in a year and start at it again. How many new cards in last 24 months? How many new ...
by Jags4186
Tue Sep 19, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: What is FI if you love your job? [Financial Independence]
Replies: 52
Views: 3270

Re: What is FI if you love your job? [Financial Independence]

One day you may not love your job. And being FI means you can say FU whenever you want. It empowers you. You don't have to worry about not speaking your mind in fear of retaliation. If anything, being FI may make you better at a job you love. If it makes you slack off, well maybe you didn't like you...
by Jags4186
Tue Sep 19, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: New BOA Premium Rewards Card
Replies: 29
Views: 1229

Re: New BOA Premium Rewards Card

$95 annual fee? Not interested. You get a $100 travel credit so if you use it it nets out to -$5 annual fee. That annual $100 travel credit is pretty narrowly constrained to incidental charges I would normally try to avoid anyway: Up to $100 annual airline incidental statement credit for qualifying...
by Jags4186
Tue Sep 19, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: New BOA Premium Rewards Card
Replies: 29
Views: 1229

Re: New BOA Premium Rewards Card

Jack FFR1846 wrote:
Tue Sep 19, 2017 10:11 am
$95 annual fee? Not interested.
You get a $100 travel credit so if you use it it nets out to -$5 annual fee.
by Jags4186
Tue Sep 19, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: New BOA Premium Rewards Card
Replies: 29
Views: 1229

Re: New BOA Premium Rewards Card

Just FYI Citi's definition of travel is very narrow while Chase's is very liberal. Many things that would be 1% cb on the Costco card would be 2/3 UR on the Sapphire Preferred/Reserve
by Jags4186
Tue Sep 19, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2126
Views: 369090

Re: What's Your Credit Card Rewards Strategy?

BOA denied me their new card. I only have ever had 1 BOA card. "Too many accounts overall" was their answer. Barclays also denied me a new Arrival + and Aviator Red last week. Time to go into hibernation...reemerge in a year and start at it again. How many new cards in last 24 months? How many new ...
by Jags4186
Tue Sep 19, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2126
Views: 369090

Re: What's Your Credit Card Rewards Strategy?

BOA denied me their new card. I only have ever had 1 BOA card. "Too many accounts overall" was their answer. Barclays also denied me a new Arrival + and Aviator Red last week.

Time to go into hibernation...reemerge in a year and start at it again.
by Jags4186
Mon Sep 18, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 309
Views: 15600

Re: Is it really Worth it to brown bag your lunch at work?

To the original question: it depends. There are many things which we could look at in our life's and say "hey I could shave $5/day/wk/mo etc." and come up with a number 50 years out thats spectacular. Everyone could have a cheaper cell phone payment, a lower (or no) gym membership, could quit drinki...
by Jags4186
Mon Sep 18, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 22
Views: 1177

Re: Super Nintendo Classic edition

barnaclebob wrote:
Mon Sep 18, 2017 9:55 am
Why not just buy an original SNES system? My NES is still hooked up and its more fun to play the original when if you stomp on the floor too hard it resets your game of tecmo bowl...
Some of those games cost $50+ used and most are $20+ used, that's why.
by Jags4186
Sun Sep 17, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14477

Re: Iphone X is $1000

I'm not an IPhone guy, but, why doesn't this come w/ a headphone jack? seems many use phones for music (I don't personally) so was curious?? Because Apple tends to drop old technology before anyone else. And the 3.5 mm headphone jack is old technology (70s? 60s?). The trend is to move towards wirel...
by Jags4186
Sun Sep 17, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Lawyer overbilling for prenup review
Replies: 58
Views: 4230

Re: Lawyer overbilling for prenup review

OP, Is this a sole practitioner or a big firm? If it is a sole practitioner you probably can get away with arguing with him and only paying 2 hours. It is very rarely worth the time to pursue $1000 or $1500 for a sole practitioner as the amount of time spent doing so is less than his or her normal r...
by Jags4186
Sun Sep 17, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: 401k's are for sheeple! According to some guy.
Replies: 19
Views: 2292

Re: 401k's are for sheeple! According to some guy.

He does suggest that it's not worth it to go to college. I've had several wealthy people say this sort of thing to me, which I find both ignorant and annoying. 84% of the Forbes 400 has at least a bachelor's degree, and across the broader economy people with a college degree make 56% more than thos...
by Jags4186
Sun Sep 17, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Should I contact a lawyer?
Replies: 69
Views: 3211

Re: Should I contact a lawyer?

I agree with the above posters. Anything you create for teaching while being employed as a teacher is property of the school district--especially if it was produced or stored on their equipment.
by Jags4186
Thu Sep 14, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14477

Re: Iphone X is $1000

I have a feeling that fancy photo and graph is completely wrong. The 70% or 90% faster over 10 years is pretty much pathetic. We expect that kind of improvement EVERY SINGLE YEAR in computing aka Moore's law. Once again, "emperor has no clothes" ! I'm not an engineer so I could be completely wrong ...
by Jags4186
Thu Sep 14, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14477

Re: Iphone X is $1000

To The human mind can only go so fast. If my app opens in 500 ms and will open in 250 ms in the next phone will that really be noticeable? How about when it goes from 125ms to 60 ms? Frankly I'd rather them increase storage and it's access time and battery life before speeding up processing tasks. ...
by Jags4186
Thu Sep 14, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 37
Views: 2728

Re: Auto Insurance Question

Without knowing your limits and deductibles this question is impossible to answer. $600 could be an excellent rate or it could be highway robbery. As I stated elsewhere we pay right around $2900/yr for insurance on two compact Japanese sedans. Seems high considering we have no points and one no faul...
by Jags4186
Thu Sep 14, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14477

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO. We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone. They might not make a 6 in a year or two but more likely you'll be left...
by Jags4186
Thu Sep 14, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14477

Re: Iphone X is $1000

Sure the phones are expensive but phone plans are so cheap now It's a net savings still. I was taking a look through my records and I was paying AT&T just over $100/mo with taxes back in 2010 plus $200 or so upfront for the phone every 2 years. You can get unlimited talk/text/6gb LTE data/unlimited ...
by Jags4186
Wed Sep 13, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: AT&T plan which offers global Unlimited data LTE (domestic and international) - thoughts?
Replies: 3
Views: 472

Re: AT&T plan which offers global Unlimited data LTE (domestic and international) - thoughts?

If you have more money than you know what to do with, sure buy it. Be aware ATT can cancel the plan anytime. If you really want convenient international roaming at a relatively low cost and decent speeds I'd look into Google ProjectFi. You pay $20/mo for voice and text and $0.01/mb anywhere in the w...
by Jags4186
Wed Sep 13, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 296
Views: 14477

Re: Iphone X is $1000

So in your world, R&D is free? I'm not advocating the $1000 price tag, but 20% margin is just not realistic. That's why Apple stock is doing well. Personally, I would pay $300 max for it if I need a new phone . Manufacturing cost of a new iPhone is roughly $225-$250. I'd give Apple 20% margin. But ...
by Jags4186
Sun Sep 10, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 8
Views: 1203

Re: Rental Car Scam--Insurance claim or credit card chargeback?

Did you take pictures of the vehicle before taking possession and after? Regardless, file the claim. I didn't take pictures of the vehicle initially since the paperwork had almost every body panel marked up with little dings and scratches. Reality is, even if I did the chip would not have shown up,...
by Jags4186
Sun Sep 10, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Rental Car Scam--Insurance claim or credit card chargeback?
Replies: 8
Views: 1203

Rental Car Scam--Insurance claim or credit card chargeback?

I am sitting on a plane returning from Iceland. Great trip until the last 2 hours. I rented a car and when I returned the car the rental agent bee lined it to the windshield and said I caused a crack in the windshield. The damage was a slightly larger than pen tip chip near the bottom of the windshi...
by Jags4186
Sat Sep 09, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 5919

Re: Luxury car: perception vs reality

My rule-of-thumb for the past 50 years has been, Never Buy a Car Costing More Than 6 Months Income. I think that is crazy irresponsible high number out of context. A person making $100k can afford a $50k car? That's $1040/mo over 48 months at 0% interest. On top of that you'd have car insurance and...
by Jags4186
Sat Sep 09, 2017 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing Home With Girlfriend; Good or Bad?
Replies: 68
Views: 5330

Re: Purchasing Home With Girlfriend; Good or Bad?

I think it's funny how people think being married magically makes things better while buying a house together. If you divorce and she's vindictive she can still make your life hell. At least if you aren't married she can't go after your retirement accounts. A marriage is a contract between 2 people...
by Jags4186
Fri Sep 08, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: 64 need health insurence for 4 months
Replies: 11
Views: 832

Re: 64 need health insurence for 4 months

hulburt1 wrote:
Fri Sep 08, 2017 12:52 pm
On Dec. 1 I will lose heath insurance coverage. Need coverage until April 1 then have Medicare. The cheapest so far is $600 a month. Live in Oregon. Any Ideals?
Sounds pretty cheap!

Maybe get yourself a travel health insurance plan and go to Europe for 4 months?
by Jags4186
Thu Sep 07, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4647

Re: how often does high ACT score == scholarship?

Ours had a 4.0/4.0 GPA, on the Dean's list every semester in the hard sciences for 6 years and we never got a single dime of scholarship money, despite the name scholar in it. All the money was awarded to minorities and poor people, as the counselors told us, scholarships no longer had anything to ...
by Jags4186
Thu Sep 07, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: What is the main purpose of holding your current job?
Replies: 66
Views: 5339

Re: What is the main purpose of holding your current job?

I like my job well enough, but if they stopped paying me I'd stop picking up the phone/answering e-mails. In fact, at my prior job they had a habit of paying us late. By the time I was headed out the door at that job if my direct deposit didn't show up I didn't go into work. My position is if I'm do...
by Jags4186
Thu Sep 07, 2017 1:58 am
Forum: Investing - Help with Personal Investments
Topic: Don't know where to start at all
Replies: 21
Views: 1673

Re: Don't know where to start at all

Is $300/wk the amount on your paycheck which is then supplemented by tips? If so you would be paying no tax and actually be receiving credit from the government with the Earned Income Tax Credit. You would also be eligible for the Saver's Credit. As fair warning, if you have substantial unreported t...
by Jags4186
Wed Sep 06, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1630

Re: Sonos fans: how to take advantage of promotion

I have a Play 1 and as much as I like it, would strongly suggest waiting. In the past 3-4 years of owning my system, I've never seen a sale on Sonos equipment, until the past 2-3 weeks. I have a strong feeling they are going to release something new soon, which likely will compete with Echo/Home an...
by Jags4186
Wed Sep 06, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8085

Re: When calculating net worth, how do you value your house?

Why is this so controversial? It's the market value of your home minus the mortgage balance. It is not the purchase price, or the appraised value, or the fire sale price. Net worth is a current snapshot in time of your financial worth. If someone were to ask me my net worth, the only correct answer...
by Jags4186
Wed Sep 06, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8085

Re: When calculating net worth, how do you value your house?

There is no legitimate argument for not including it and I don't know why this is a question or controversial. Jags4186, What is the legitimate argument for including it? May I ask. Just because somebody says so and it is a standard definition do not cut it for me. KlangFool KlangFool, The legitima...
by Jags4186
Wed Sep 06, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8085

Re: When calculating net worth, how do you value your house?

There is no legitimate argument for not including it and I don't know why this is a question or controversial.

OP you should use fair market value. Take off 6% for commission if you'd like.
by Jags4186
Wed Sep 06, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Wife believes 7+% returns from stock market are guaranteed
Replies: 64
Views: 5552

Re: Wife believes 7+% returns from stock market are guaranteed

My wife and I argue a lot about how to invest our money. I am more conservative while she is riskier. Recently we bought a house with all cash. She thinks we should have got a mortgage and put our money in the stock market. My response is if stock market guarantees 7+% returns then why do banks len...
by Jags4186
Wed Sep 06, 2017 4:50 am
Forum: Personal Consumer Issues
Topic: Sonos fans: how to take advantage of promotion
Replies: 13
Views: 1630

Re: Sonos fans: how to take advantage of promotion

I'd throw out the play 3 option. 2 play 1s are better than 1 play 3.

I'd go either with the 2 additional Play 1s or get yourself a Playbase or play bar depending on your tv setup.
by Jags4186
Tue Sep 05, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8286

Re: Protecting moms assets from nursing home expenses

You can skip the nursing home expenses by having her stay at home with you and your family. Maybe you or your wife could leave your job to watch over her. After all, you have a potential $240k to protect so you should do your best to minimize expenses.
by Jags4186
Tue Sep 05, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 4647

Re: how often does high ACT score == scholarship?

When I was applying to colleges (I went in 2004) I found I got money from smaller LACs but not the larger schools I applied to. For example I remember getting offered two separate scholarships to go to Franklin and Marshall--one was $25,000/yr and another one was $2,500/yr. I also received scholarsh...
by Jags4186
Tue Sep 05, 2017 4:12 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3328

Re: Wanting a Portable Auto GPS

You don't even need data for GPS. You can download an offline map app (maps.me is what i use when traveling), download whatever maps you need on wifi and off you go. The benefit on using the iPhone with the data plan is it gives you routes based on traffic. That has made standalone GPS units worthle...
by Jags4186
Mon Sep 04, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 7775

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Not sure where everyone is getting their information, Citi Costco Visa is *secondary* car rental insurance within the US. Also, while the Costco Card and CSR offer 3%/3UR per $ spent on travel, the categories for Citi are far more restrictive than for Chase. Almost anything that involves going some...
by Jags4186
Mon Sep 04, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 7775

Re: Citi Costco Visa vs. Chase Sapphire Reserve

Not sure where everyone is getting their information, Citi Costco Visa is *secondary* car rental insurance within the US. Also, while the Costco Card and CSR offer 3%/3UR per $ spent on travel, the categories for Citi are far more restrictive than for Chase. Almost anything that involves going somew...
by Jags4186
Sun Sep 03, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Great Property Tax Site
Replies: 11
Views: 1009

Re: Great Property Tax Site

I'm guessing every state has this but in NJ you can look up the property taxes to the dollar (and year by year history) and purchase price to the dollar of every house by address.
by Jags4186
Fri Sep 01, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6002

Re: Bad Idea to Have Zero Credit Cards?

I am not usually a grammar nazi but I make an exception for some posters. Worrying about grammar and spelling on a web forum is a sure road madness. I'm happy when people don't mix up "then" and "than". How about site and sight? That always causes a sharp pain in my heart region :-) How about advic...
by Jags4186
Fri Sep 01, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: FICO score much improved after 'freeze'
Replies: 5
Views: 609

Re: FICO score much improved after 'freeze'

Background: My credit score has traditionally been quite good - I have a mortgage, sometimes have a car loan, have several credit cards (100k total limit), always pay them off on time. A few years ago I had a little mishap after applying for a department store card. I was buying some jewelry for my...
by Jags4186
Fri Sep 01, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3515

Re: Discover card inquiry about income and liquid assets

It depends entirely on the issuer. Citi, American Express, Discover, and Capital One allow you to request a credit limit increase without a hard pull. Chase requires a hard pull. Citi and Chase are the two issuers I have and both did a hard pull. I did them at the same time I applied for a personal...
by Jags4186
Fri Sep 01, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3515

Re: Discover card inquiry about income and liquid assets

A side note/question, what income are they asking for - gross, net after taxes, AGI, etc.? I can't answer specifically for any one company but my understanding is that they want your gross cash flow ability to pay your credit card including all family income. Technically for a retiree that could in...
by Jags4186
Fri Sep 01, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3515

Re: Discover card inquiry about income and liquid assets

Uncle Pennybags wrote:
Fri Sep 01, 2017 6:53 am
I thought the OP got a "phishing" email from Nigeria but apparently not. IMHO it is Discover phishing for third parties. I'm on the do not offer list so I don't get these. Doesn't a credit increase require a hard pull on one's credit report?
No it doesn't.
by Jags4186
Fri Sep 01, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6002

Re: Bad Idea to Have Zero Credit Cards?

Please get rid of your credit cards! I use a bank card as 'credit.' It takes the money out right away and I get protections for 'un-received services' or whatever. You know, if you buy that DVD on Ebay and the mail carrier delivers it to your neighbor and lists the thing as being 'received' even th...
by Jags4186
Fri Sep 01, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Visa CC Price Protection on Flight
Replies: 4
Views: 570

Re: Visa CC Price Protection on Flight

Usually things like tickets are excluded.
by Jags4186
Thu Aug 31, 2017 3:43 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15823

Re: Is Bogelheads getting less interesting?

Reality is what most people view as unique to their circumstances is really pretty common. Am I buying too much house? Do I need 20% or 30% international? 100, 110, or 120 - age in bonds? Should I tilt to small value? What should I do with my windfall? Should I get out of the market while it's high?...
by Jags4186
Thu Aug 31, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: How many "investment" accounts do you have?
Replies: 61
Views: 6095

Re: How many "investment" accounts do you have?

I bonus chase so I have a ton of checking and credit card accounts. With regards to actual investment accounts that have money in them: 1) Individual taxable brokerage account in my name with premarital money 2) Joint taxable brokerage account in both my wife and my name 3) Roth IRA in my name 4) Ro...
by Jags4186
Thu Aug 31, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 59
Views: 5252

Re: I ran out of credit card signups bonus...

I think the common definition of "real business" (or not) would be whether the "business" filed some sort of tax return, even if only via a Schedule C, or even Schedule C-EZ, on someone's personal tax return. Otherwise any buy/sell/service activity is either merely incidental or it's part of the un...