Search found 453 matches

by ProfessorX
Wed Aug 10, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have the BankAmericard Travel Rewards Credit Card?
Replies: 14
Views: 1041

Re: Anyone have the BankAmericard Travel Rewards Credit Card?

I recently deposited a bunch of Euros into my US dollar Bank of America account and when I got home I looked at the receipt and realized that I had gotten totally hozed on the exchange rate. Every bank is going to hose you on the exchange rate for currency. It is a PITA for them and they want to be...
by ProfessorX
Wed Aug 10, 2016 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have the BankAmericard Travel Rewards Credit Card?
Replies: 14
Views: 1041

Re: Anyone have the BankAmericard Travel Rewards Credit Card?

patrick wrote:100K seems like a rather steep qualification -- can anyone confirm whether they allow Vanguard Admiral and/or Fidelity Premium funds?


http://www.mymoneyblog.com/bankamericar ... eview.html
by ProfessorX
Tue Aug 09, 2016 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have the BankAmericard Travel Rewards Credit Card?
Replies: 14
Views: 1041

Re: Anyone have the BankAmericard Travel Rewards Credit Card?

Thanks! I'll have to try it out too. It is so much better to use a credit card than to carry foreign currency around.
by ProfessorX
Tue Aug 09, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have the BankAmericard Travel Rewards Credit Card?
Replies: 14
Views: 1041

Anyone have the BankAmericard Travel Rewards Credit Card?

https://www.bankofamerica.com/credit-cards/products/bankamericard-travel-rewards-credit-card/ "Best Travel Rewards credit card" Named a "Best Travel Rewards credit card" in Kiplinger's 2015 annual "Best List" No annual fee† and no foreign transaction fees† Enjoy no annu...
by ProfessorX
Sun Aug 07, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Family Europe Trip
Replies: 31
Views: 2103

Re: Family Europe Trip

If your gonna take the Eurostar train from Paris to London or anywhere else then plan out your trip and buy your tickets online like 3months in advance. The price increase is like 4x more if you buy the same week. And it goes up gradually as you get closer. It's the worst "surge pricing" I...
by ProfessorX
Sun Aug 07, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Please tell me about Small-Value investing with VISVX?
Replies: 4
Views: 599

Re: Please tell me about Small-Value investing with VISVX?

Thanks both of you! Yes I also have some of the Admiral Shares in VSIAX. But my employer plan only offers VISVX for Small Value. With an 80% stock allocation I'm not ready to do 50% of my stock allocation into Small Value. I do understand the theory behind investing in Small Value as I read about it...
by ProfessorX
Sun Aug 07, 2016 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Please tell me about Small-Value investing with VISVX?
Replies: 4
Views: 599

Please tell me about Small-Value investing with VISVX?

I've been investing with a "set it and forget it" style at Vanguard since 2011 when I got some good portfolio advice on this forum from retiredjg and many others! I am currently doing well and I am very happy with the growth of my portfolio and also with the ability to "not think abou...
by ProfessorX
Sun Aug 07, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: How to prevent backup credit card being cancelled?
Replies: 14
Views: 1314

Re: How to prevent backup credit card being cancelled?

Thanks everybody!

The most annoying part of it is having to set up the bill pay to pay the bill. I guess that's the cost of having a backup card and I'll have to bite the bullet.
by ProfessorX
Sun Aug 07, 2016 9:37 am
Forum: Personal Finance (Not Investing)
Topic: How to prevent backup credit card being cancelled?
Replies: 14
Views: 1314

How to prevent backup credit card being cancelled?

Hi! I basically always primarily use my fidelity 2% cash back credit card. But I want to keep a backup credit card in case I need it for various reasons. But my backup credit cards keep getting non-renewed for lack of usage after a few years of complete inactivity. What is the best way for me to kee...
by ProfessorX
Sun Feb 28, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 10990

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

If i'm used to using Turbo Tax is it worth it to switch to Tax Act? How much do I save? I usually spend less than $100 on Turbo Tax. I'd rather do the easiest thing than save a few bucks. How easy is Tax Act compared to Turbo Tax?
by ProfessorX
Thu Jan 07, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 37173

Re: [Fidelity drops AmEx, Bank of America credit cards]

Ok I filled out the application for the new Card even though I have both of the old FIA cards. Took five minutes and the card is on the way in the mail. I'd like to try it out before just being forced to switch on my own since these were my main credit cards. Excited to finally be able to use Apple...
by ProfessorX
Thu Jan 07, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 37173

Re: [Fidelity drops AmEx, Bank of America credit cards]

Ok I filled out the application for the new Card even though I have both of the old FIA cards. Took five minutes and the card is on the way in the mail. I'd like to try it out before just being forced to switch on my own since these were my main credit cards. Excited to finally be able to use AppleP...
by ProfessorX
Wed Jan 06, 2016 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 37173

Re: [Fidelity drops AmEx, Bank of America credit cards]

Can I apply to open the new Elan Visa 2% rewards card now and link it to my FIDO account and use it with Apple Pay and then just cancel my FIA FIDO cards when I want to do so?
by ProfessorX
Mon Mar 02, 2015 2:55 pm
Forum: Investing - Theory, News & General
Topic: Poll: Average E/R [Expense Ratio]
Replies: 49
Views: 4408

Re: Poll: Average E/R

Weighted ER = .1008% (Disclaimer I haven't checked to see if my ER's have changed at Vanguard in a long while so it may be lower or less likely higher)
by ProfessorX
Mon Jan 05, 2015 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup for 2015 - How is my AA? Changes Needed?
Replies: 5
Views: 1219

Re: Portfolio Checkup for 2015 - How is my AA? Changes Neede

Thanks for your comments! It looks good to me. We were at 80/20 at your age too. I would consolidate the funds I had total control of at either Vanguard or Fidelity for simplicity. But I understand some people feel more diversified spreading between 2 companies. Our taxable savings are stock funds o...
by ProfessorX
Thu Jan 01, 2015 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup for 2015 - How is my AA? Changes Needed?
Replies: 5
Views: 1219

Portfolio Checkup for 2015 - How is my AA? Changes Needed?

Hello Bogleheads! Happy New Year! I joined about 3.5 years ago without much investing knowledge. Since then I have learned a lot. Here is my first post requesting portfolio advice from back then (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=77707&p=1103457#p1103457). I am currently l...
by ProfessorX
Thu Jan 01, 2015 12:23 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 17384

Re: [Annual POLL] What was your 2014 return?

20% Bonds. 11.5% XIRR return.
by ProfessorX
Mon Aug 18, 2014 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 3560

Re: Looking for advice on creating a Will

Where did you get the idea it would be $3-$5k? We did a complete will/POA/Health directives with an attorney for $500. Why don't you call around to some estate lawyers and ask what the basic package is? Most of this stuff is fill-in-the-blank with the lawyer clarifying your wishes and making sure e...
by ProfessorX
Sat Aug 16, 2014 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 3560

Re: Looking for advice on creating a Will

...I don't have a lot of good experience with lawyers in Philadelphia, the city where I live. And I anticipate that if I walk into some highly recommended lawyers office in Philly they won't consider me worth their time for less than $3K-$5K. That's a lot of money to me!... Philadelphia is a large ...
by ProfessorX
Mon Aug 11, 2014 2:45 pm
Forum: Investing - Theory, News & General
Topic: So where's that inflation many forecasted?
Replies: 43
Views: 3422

Re: So where's that inflation many forecasted?

I think some of the people who predicted inflation were using economic models that do not work very well in situations when we have a "liquidity trap". Many of the "liquidity trap" advocating economic theorists got inflation and other predictions right. It's just that not everybo...
by ProfessorX
Thu Aug 07, 2014 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 3560

Re: Looking for advice on creating a Will

What happens if you have more children? Do you have to draw up a whole new Will? Or can it be amended?
by ProfessorX
Thu Aug 07, 2014 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 3560

Re: Looking for advice on creating a Will

Thanks for everyones feedback. My main issue is that I don't have a lot of good experience with lawyers in Philadelphia, the city where I live. And I anticipate that if I walk into some highly recommended lawyers office in Philly they won't consider me worth their time for less than $3K-$5K. That's ...
by ProfessorX
Thu Aug 07, 2014 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 3560

Re: Looking for advice on creating a Will

I also have a 2 year old, and her mother and I have very basic wills leaving everything to each other and creating a trust for the minor child in the event that both of us are dead. The will names a trustee and an alternate/secondary trustee, as well as a guardian for the child. Our state provides ...
by ProfessorX
Thu Aug 07, 2014 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Looking for advice on creating a Will
Replies: 39
Views: 3560

Looking for advice on creating a Will

My wife and I have a two year old son and we live in a HCOLA. We both took out substantial life insurance policies about six months ago. We have a house, a mortgage, and retirement savings etc. All accounts and property are either joint or the accounts themselves have beneficiary designations. So do...
by ProfessorX
Wed Aug 06, 2014 6:43 pm
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 11016

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers. They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agr...
by ProfessorX
Wed Aug 06, 2014 4:33 pm
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 11016

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

So the NYT got tricked into acting like free advertising for a Cyber Security Firm that carefully tried to over dramatize a security thread for profit?
by ProfessorX
Wed Aug 06, 2014 7:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 128390

Re: Vanguard sued for charging too little

But unlike mutual insurers and credit unions, which operate under well-established federal laws, no law gives Vanguard the right to operate on a tax-free basis, Danon argued in his lawsuit and in interviews with The Inquirer. I think Danon is purposefully obfuscating the issue. Vanguard is not a no...
by ProfessorX
Wed Aug 06, 2014 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 55
Views: 6104

Re: Your opinion of mint.com

I have used mint for years and I am very comfortable with it. I consider my financial accounts to be MORE SECURE not less because I use mint. For instance, more than once I have discovered fraudulent activity on my accounts right away because of MINT. I am fairly certain that I would not have discov...
by ProfessorX
Tue Aug 05, 2014 9:14 pm
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 11016

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers. They might not even know. Being vulnerable to SQL injection implies a very low level of expertise. It sounds like they do know: Hold Security would not name the victims, citing nondisclosure agr...
by ProfessorX
Tue Aug 05, 2014 9:06 pm
Forum: Personal Consumer Issues
Topic: "Russan Gang Amasses Over A Billion Stolen Passwords"
Replies: 87
Views: 11016

Re: "Russan Gang Amasses Over A Billion Stolen Passwords"

It's disappointing that whoever these companies are don't reveal the password breach to their customers.
by ProfessorX
Tue Aug 05, 2014 11:02 am
Forum: Investing - Theory, News & General
Topic: New York City pension mess - NY Times
Replies: 15
Views: 2056

Re: New York City pension mess - NY Times

I created a thread about the Pennsylvania pension mess last year that got locked. IIRC, it had to do with the forum policy of not talking about politics and the stupidity of others and instead to talk about topics that help people invest. In any event, if you are complaining about the 7% guaranteed ...
by ProfessorX
Fri Jun 20, 2014 8:14 am
Forum: Investing - Help with Personal Investments
Topic: best way to compare your investment ROR to a benchmark?
Replies: 2
Views: 294

best way to compare your investment ROR to a benchmark?

Hello Bogleheads! So I have a semi-tilted slice and dice portfolio with some Small Value, some REIT, some Emerging Markets, Total Stock Market, 20% Bonds, etc. A total of six funds. I wanted to figure out an easy way to compare my portfolio to a benchmark like a the target retirement fund that holds...
by ProfessorX
Tue Jun 10, 2014 10:39 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

While one can't argue with the level of bogglehead enthusiasm, perhaps asking the question at a site such as http://diy.stackexchange.com/ or http://hvac-talk.com/vbb/ might result in a more focused answer. Thanks! I already got help here and elsewhere that answered my questions. And I posted the r...
by ProfessorX
Mon Jun 09, 2014 9:05 am
Forum: Investing - Theory, News & General
Topic: Dow going to continue up?
Replies: 22
Views: 1875

Re: Dow going to continue up?

Do any of you think these comments from here are valid? http://finance.yahoo.com/blogs/talking-numbers/we-are-about-to-enter-the-greatest-bull-market-in-85-years-225051152.html It's inflation. Works the same whether more dollars are chasing the same number of widgets or the same amount of stock equ...
by ProfessorX
Wed Jun 04, 2014 7:52 am
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

A "secret warranty" is one not included in your documentation but given by a manufacturer when you ask because they have had numerous problems with the equipment. They don't want to publish it, but it mysteriously it is given if you push them a little. Very common in the car industry. Als...
by ProfessorX
Tue Jun 03, 2014 11:20 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Thanks to everyone for all your help!
by ProfessorX
Tue Jun 03, 2014 7:34 am
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

The cost of the R-22 freon was $60.00 per pound and he put in 8 pounds. That is a steep markup. Virgin R-22 is going for under $10/lb in 30lb tanks. It's worth mentioning that there are a number of R-22 alternatives that are EPA SNAP approved and while they generally require a full pumpdown, some d...
by ProfessorX
Mon Jun 02, 2014 10:59 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Easy Seal is just a temporary fix at best. You should just go ahead and replace the coil. Check to see if you have a warranty on the coil (manufacturer will tell you - sometimes there are "secret" warranties). If so, you may just have to pay for labor. Thanks! What is a "secret"...
by ProfessorX
Thu May 29, 2014 6:00 am
Forum: Personal Finance (Not Investing)
Topic: question about Dependent Care Flexible Spending Account
Replies: 7
Views: 2234

Re: question about Dependent Care Flexible Spending Account

Thanks! I will call both our jobs to ask too!!!
by ProfessorX
Tue May 27, 2014 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: question about Dependent Care Flexible Spending Account
Replies: 7
Views: 2234

question about Dependent Care Flexible Spending Account

Hello! I work at a big University. So I am able to put money into things like a "Dependent Care Flexible Spending Account". Recently my wife was also offered the opportunity to pay into such an account at her job. Here are the contribution restrictions on such an account from my Job: Singl...
by ProfessorX
Sun May 25, 2014 12:09 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Thanks for everyone's help! An HVAC tech came over with a leak detector and found out that my coils leak. Someone else recommended to me this product "easy seal". It is some kind of additive: http://www.amazon.com/Nu-Calgon-EasySeal-Total-System-Protection/dp/B005DTLM1O Some people say its...
by ProfessorX
Tue May 20, 2014 9:49 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio: "Make more money and worry less"
Replies: 8
Views: 2766

Re: The Three Fund Portfolio: "Make more money and worry les

If you're investing for a long-term goal such as retirement, then keeping it simple with a portfolio of three to six broad-based, low-cost mutual funds can pay off in the long run. Rebalance on occasion, and you'll be well on your way.


I'm closer to the six funds.
by ProfessorX
Tue May 20, 2014 2:49 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

accidental double post
by ProfessorX
Tue May 20, 2014 2:49 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Thanks to everyone for your feedback! I am researching purchasing a whole new HVAC system now. (Not sure what I am going to do.) Does anyone know what are good brands of manufacturers that make HVAC systems? Is Lennox good? Coleman? Other brands? What is a good way to research HVAC brands? One guy q...
by ProfessorX
Tue May 20, 2014 9:13 am
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

FWIW my leak was so slow the refrigerant sniffer did not find it - and the tech said it was good down to ppm levels. This is not a DIY project IMHO. When they evacuate and pressure test, they can isolate the inside coil, outside heat exchanger, and lines between the two. Thus narrowing the search d...
by ProfessorX
Tue May 20, 2014 6:38 am
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Had a new Carrier unit put in about two years ago. It did not seem to be running quite right so I called the same company who installed it for an inspection. Service tech found the refrigerant was quite low. The service tech went into my attic where the air handler is located and used a small elect...
by ProfessorX
Mon May 19, 2014 7:08 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Yeah HVAC techs where I live charge $80+ an hour. Their leak checking visual inspection with soapy water last year took several hours. The use of soap bubbles seems pretty strange to me. There are all sorts of relatively inexpensive devices available for refrigerant detection that would be far fast...
by ProfessorX
Mon May 19, 2014 5:39 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Yeah the builders who bought my HVAC unit probably bought it because they got it on clearance because it uses R-22. LoL.
by ProfessorX
Mon May 19, 2014 4:49 pm
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 6071

Re: advice regarding hard to find HVAC freon leak

Is the system not under warranty? If it is, putting in the dye may void the warranty. I had a similar problem and it turned out that the leak was in the inside coil. The pressure test did not reveal a thing until they sent out another tech who turned on my furnace (in July). Once the interior coil ...

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