Search found 1099 matches

by an_asker
Fri May 27, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 62
Views: 4667

Re: Best credit card deal

[...]That's a lot of cards to manage. I've been trying to simplify my life and use the 2% Fidelity Visa for everything (similar to the Citi Double Cash). If I spend $2500/year on groceries, 4% of that is $100. And $1000 on gas at 3% more is $30. $1000 Amazon spending $10, and keeping track of those...
by an_asker
Fri May 27, 2016 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to retire a credit card?
Replies: 7
Views: 964

Re: Best way to retire a credit card?

My suggestion, if you truly do not use it at all, is either a) call and cancel it or b) call and ask them to lower the credit limit to $1000 or something like that (in case you might suddenly need to use it). Do realize that your credit score might take a dip in either situation, but if you are not ...
by an_asker
Fri May 27, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation property in Florida
Replies: 14
Views: 1631

Re: Buying a vacation property in Florida

A few points/questions: - think long and hard as to what are you buying for? For example, you couldn't care less whether the area is in a "good school" zone or not; but you might care about distance to Disney ... - how much money are you willing to spend and whether it is your budget or ge...
by an_asker
Thu May 26, 2016 2:32 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1111

Re: Car Seat for vacation car rental

I may get flamed for this but here's what we did. My daughter was the only one (at age 6.5) that required a car seat. We did not bring a car seat with us, instead, we drove directly to Walmart and bought a $12 booster seat that we used for our trip. We did bring it back home with us but we would ha...
by an_asker
Thu May 26, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Car Seat for vacation car rental
Replies: 24
Views: 1111

Re: Car Seat for vacation car rental

runner9 wrote:[...](he's small for his age and not making a lot of progress though he's a great eater!)

I don't think he's too small for his age! But the "aspect ratio" sounds about right. My kid was a square a few years back - 48 lbs and 48 inches ;-)
by an_asker
Thu May 26, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: House - to buy or not
Replies: 30
Views: 1473

Re: House - to buy or not

[...]Also some folks say houses may become million dollar houses in near future. If this is the real reason why you are considering overstretching yourself to buy the 3000 sq ft house, perish the thought! Search the forums and you will find old surveys of how much BHs spend for a home as a multiple...
by an_asker
Thu May 26, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 138
Views: 5794

Re: What's Your Credit Card Rewards Strategy?

Anyone have the Chase Hyatt card? Two free nights after spending $1k but annual fee after the first year. Wondering if you cancel the card during the first year to avoid annual fee would you also lose the two free nights if you haven't used them yet? Maybe Marriott is a better deal actually, 80k po...
by an_asker
Thu May 26, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 138
Views: 5794

Re: What's Your Credit Card Rewards Strategy?

Anyone have the Chase Hyatt card? Two free nights after spending $1k but annual fee after the first year. Wondering if you cancel the card during the first year to avoid annual fee would you also lose the two free nights if you haven't used them yet? Maybe Marriott is a better deal actually, 80k po...
by an_asker
Thu May 26, 2016 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 138
Views: 5794

Re: What's Your Credit Card Rewards Strategy?

And while we're on that...without assigned seats is it like a madhouse trying to board a plane!!?? :shock: (I've actually never flown Southwest, not specifically for that reason.) I'll tell my secret plan when I fly Southwest . . . I get in the A boarding row then take the very last row either wind...
by an_asker
Wed May 25, 2016 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 138
Views: 5794

Re: What's Your Credit Card Rewards Strategy?

[...]Are these strategies really worth cluttering up my credit report and wallet with a bunch of random cards? I only recently just started using airline miles; I'm a legit newbie when it comes to that kind of thing and never used to think miles were worth much, but I know a lot of folks really kno...
by an_asker
Tue May 24, 2016 8:28 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11744

Re: Is there a such thing as a blue collar Boglehead?

For example, a poster asked what to do with an extra $10k, and some responses would indicate that It was only $10k and not worth worrying about. I searched the forum using "$10K to invest" and found several threads with excellent helpful responses and none of them said that amount of mone...
by an_asker
Mon May 23, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Why am I paying 36% tax on W2 salary ???
Replies: 12
Views: 2375

Re: Why am I paying 36% tax on W2 salary ???

Possible taxes are Federal, NY State, NY City(?), Social Security, and Medicare. With a minimal number of exemptions I would think total of withholding and FICA paid could easily be that. You are clear on the difference between income tax withholding and actual taxes paid after refunds or tax due o...
by an_asker
Mon May 23, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 62
Views: 4667

Re: Best credit card deal

Without reading the entire thread to see if this is a duplicate but.. seems to me the American Express Blue Cash Preferred which gives you 6% cash back on the first $6000 of grocery purchases at stand alone grocery stores would be the winner. It's $75 a year as a fee but that's still an easy annual...
by an_asker
Mon May 23, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 62
Views: 4667

Re: Best credit card deal

[...] It seems dumb because of your assumptions. As stated above, not having recently active credit accounts makes you a bigger risk regardless of score, assets, and everything else that you're relying on. It's not how you assess risk that matters as you're not the creditor. It's how the creditor a...
by an_asker
Fri May 20, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 62
Views: 4667

Re: Best credit card deal

Among my current array of credit cards are the following: - Chase IHG - $49/year annual fee - for one annual free night at an IHG hotel (most common such hotel in the USA is the Holiday Inn) - Chase Hyatt - $75/year annual fee - for one annual free night at a Hyatt hotel - MBNA/Fidelity/BOA (I don't...
by an_asker
Fri May 20, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 62
Views: 4667

Re: Best credit card deal

I'm curious to read the responses, because I'm interested in a new credit card also. But I did want to provide 1 comment: Which is crazy because I am as low risk as it gets (debt free, assets, 20% down, mortgage amount <2x annual income). You are actually a higher risk than you think because in the...
by an_asker
Wed May 18, 2016 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase Term life policy, do I need to get in shape?
Replies: 16
Views: 1344

Re: Planning to purchase Term life policy, do I need to get in shape?

I'm not sure why people feel the need to lose weight, stop drinking, flush out systems etc, more than they normally due right before an insurance policy checkup. The big picture seems to be that saving a few bucks on an insurance policy premium is more important than living healthy everyday and pro...
by an_asker
Wed May 18, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Financing a move from one house to another
Replies: 29
Views: 1801

Re: Financing a move from one house to another

I would first get a Heloc. If that is insufficient to provide a deposit for the new home, I would get a margin loan (sized so that another 50% drop wouldn't force you to sell out of your taxable when the market is down). Also, I know Wells offers jumbo mortgages that will allow you to recast once a...
by an_asker
Wed May 18, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase Term life policy, do I need to get in shape?
Replies: 16
Views: 1344

Re: Planning to purchase Term life policy, do I need to get in shape?

[...]On the day of the exam, don't drink excessive amounts of liquid in an effort to alter the results. They can detect that too. If your urine is too diluted, that raises a huge red flag. Please PM me offline if this is TMI for the forum, but how can they tell that? [I am not disputing that they c...
by an_asker
Wed May 18, 2016 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Planning to purchase Term life policy, do I need to get in shape?
Replies: 16
Views: 1344

Re: Planning to purchase Term life policy, do I need to get in shape?

When purchasing a Term life insurance policy does the insurance company give a health check? I'm 44, good shape not overweight. Yes of course they do. However, if you are pretty healthy with no dependence on drugs (cholesterol and blood pressure being the prime culprits), you should get a very good...
by an_asker
Wed May 18, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Higher condo fees on higher floor units?
Replies: 25
Views: 1797

Re: Higher condo fees on higher floor units?

I wouldn't plan on this one changing OP - you're going to have to live with it (or if you are considering buying then factor this not changing into your calculus). Calculations yes, calculus no. Unless you are wanting OP to integrate the condo fees into the rest of his/her costs (which makes sense ...
by an_asker
Wed May 18, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Higher condo fees on higher floor units?
Replies: 25
Views: 1797

Re: Higher condo fees on higher floor units?

I have lived in 2 condos. The condo fee is usually based on square footage and not the floor level or value (the latter two are correlated). This seems to be the most objective and fair way to share costs. PS I was the president of one condo board and it is the worst unpaid job in the universe. Whe...
by an_asker
Wed May 18, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

Sad that no one seems willing to answer your question. Well, the OP has changed the math question, but it seems that responders did not notice, so they are still using their skill with the 27% number instead of the new number. OK, the 37% is not that visible, but it ain't risible silly either. ... ...
by an_asker
Tue May 17, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Australia
Replies: 8
Views: 1391

Re: Renting a car in Australia

For me, it depends on the country. I would probably decline it in Australia and use my credit card coverage. I purchased all possible coverage in Mexico; right or wrong, I have less faith in the police and car rental companies there. I have rented about a half dozen times in Europe and always decli...
by an_asker
Tue May 17, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

There's too little math in a thread with math in its title. :twisted: If we're trying to solve for compound interest: (1+x)^n = (1+G) Where n = 9.5 G = 27% and x is what we want. We can take the nth root x = -1 + (1+G)^(1/n) and expand as a power series x = (1/n) * G + (1/n)(1/n-1)/2! * G^2 + (1/n)...
by an_asker
Tue May 17, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Renting a car in Australia
Replies: 8
Views: 1391

Re: Renting a car in Australia

Just rented in Melboune and drove to Horhsam. Be careful of speed cameras. A month after I got back to the US I got a bill from the Australian gov't for $300 aussie dollars for speeding and they caught it on camera. What was the speed limit and how fast were you going to get that much of a fine? Th...
by an_asker
Tue May 17, 2016 11:22 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

The fund's balance is now 27 percent higher than it was 9.5 years ago. 27 divided by 9.5 is 3. Does this mean that my L fund has grown an average of 3 percent per year each of the last 9.5 years? I know, my math skills are risible. Sad that no one seems willing to answer your question.[...] No, it ...
by an_asker
Tue May 17, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

Bammerman wrote:[...]The above third-person stuff is in homage to the Munchkin Man. Does anybody else remember the Munchkin Man? What's he doing these days?

I almost said "Are you the avatar of the Munchkin Man?" :shock: :o
by an_asker
Tue May 17, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2633

Re: College - In state - Children staying close to parents

[...]As a side note I find parenting studies fascinating because they share the same issues as studies on the stock market. Inability to run experiments, cause and effect are muddled, piles and piles of imperfect and incompatible data, weird feedback looks, suggestive correlations that are probably...
by an_asker
Tue May 17, 2016 9:14 am
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2633

Re: College - In state - Children staying close to parents

We're thinking about keeping number one son closer for other reasons. He'll start college as a 17 year old freshman and won't turn 18 until his first semester is nearly over. Even though he's a very mature young man and has never given us one bit of trouble, I'm a little reluctant to send him out i...
by an_asker
Tue May 17, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2633

Re: College - In state - Children staying close to parents

greg24 wrote:Yes, going to school in-state raises their chances of remaining in-state after graduation. But only to a degree.

Are you saying that after that BS, they would move away? ;-)
by an_asker
Tue May 17, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2633

Re: College - In state - Children staying close to parents

celia wrote:
goru1 wrote:
Why would you want your kids to live near you?

So we could see our children and grandchildren more.

And so they could take care of you in your old age? :oops:

And the issue with that is ...? :oops:
by an_asker
Tue May 17, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

That said, if you just want to come up with a number, the 3% is what folks here refer to as the "Dave's Ramsey average annual growth" where you take the entire growth and divide it by the number of years. If you want the Boglehead average*, here is what you type into Excel --> "=1.27...
by an_asker
Tue May 17, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: Renting a car in Australia
Replies: 8
Views: 1391

Re: Renting a car in Australia

Thanks guys! It does appear that the insurance that the rental companies in Australia sell is the same as that in the USA (with respect to the car itself). However, the good thing is that all liability is covered/built in into the rentals (unless I am missing some small print). That is not the case ...
by an_asker
Tue May 17, 2016 8:12 am
Forum: Investing - Help with Personal Investments
Topic: My silly math skills
Replies: 25
Views: 1887

Re: My silly math skills

You are making me go look up the word "risible", so your English skills are awesome. I hope it means something interesting. +1! And shame on you, livesoft, for not sharing the meaning, which means that I now have to look it up! :oops: And the meaning (so I can save others from embarrassme...
by an_asker
Fri May 13, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 1791

Re: Free afternoon and evening in San Jose, CA

[...]California, not Costa Rica. It's not my first trip, but all of my trips have been on conferences. I've explored the area in walking distance from the convention center, and on one occasion drove to a restaurant in San Francisco with friends. I will not have a car, but I like public transportat...
by an_asker
Fri May 13, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Free afternoon and evening in San Jose, CA
Replies: 36
Views: 1791

Re: Free afternoon and evening in San Jose

There is a whole lot to see and do, which I have definitely not done even after a few visits to the Bay Area. But to answer your question, a few pieces of information about yourself that it might be a good idea to share: - is it your first trip to San Jose? - Oh, BTW, are you talking about San Jose,...
by an_asker
Thu May 12, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Renting a car in Australia
Replies: 8
Views: 1391

Renting a car in Australia

Has anyone recently rented a car in Australia? I am still unsure on what coverages to take (all?) and what to decline (if any!). Also, the reviews that I read for the (relatively) inexpensive ones are mostly non flattering, and the familiar USA brands (Hertz, Avis, Budget, Alamo) all would cost an a...
by an_asker
Wed May 11, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6601

Re: When is cash better than plastic?

When you are in Paris and/or Berlin :oops:
by an_asker
Wed May 11, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6875

Re: 30 minute commute?

I think in Texas and California 30 min commutes are the equivalent of a 5 min walk to work anywhere else in the country. :mrgreen: LOL! So true! I'm in the Dallas area, when I first graduated college, I only got one job offer, I took it and the commute was 1+ hours each way. I was young and did lis...
by an_asker
Thu May 05, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and/or Roth 401k?
Replies: 11
Views: 855

Re: Roth IRA and/or Roth 401k?

Assuming that I have read it right and it is $3000 that we are talking about. I suggest that she roll it over to the new 401(k). There won't be a lot of difference between TRP and Vanguard for that amount (assuming she is using an index fund at TRP). Not enough for the hassle of tracking another re...
by an_asker
Wed May 04, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and/or Roth 401k?
Replies: 11
Views: 855

Re: Roth IRA and/or Roth 401k?

Assuming that I have read it right and it is $3000 that we are talking about. I suggest that she roll it over to the new 401(k). There won't be a lot of difference between TRP and Vanguard for that amount (assuming she is using an index fund at TRP). Not enough for the hassle of tracking another ret...
by an_asker
Tue May 03, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Practice owner with a stay at home wife (social security question)
Replies: 9
Views: 1060

Re: Practice owner with a stay at home wife (social security question)

What kind of work would she be doing, and for how many hours? If you are going to pay someone, it has to be a reasonable amount for work that actually needs to be done. If you hire your wife for 12K a year, for an extended period of time, it seems unlikely that her own SS benefit would end up being...
by an_asker
Fri Apr 29, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3209

Re: Off to Australia - need advice

[...] Even in the most embellished stories told by Australians, there is always a core of truth that it is unwise to ignore. [...] They think "Woolloomooloo" is a perfectly reasonable name for a place,that "Wagga Wagga" can be abbreviated to "Wagga", but "Woy Woy&...
by an_asker
Thu Apr 28, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3209

Re: Off to Australia - need advice

Thanks for the replies, Carl53, gatorman and silentfaith. Tasmania is for a future trip ... maybe. gatorman: I am still confused as to what transportation is covered by which pass. Is the Sydney water taxi you are referring to covered by the Opal card? Yes, we will definitely have (layers of) warm c...
by an_asker
Thu Apr 28, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3209

Re: Off to Australia - need advice

Would help to know more about what you're looking to see/do/experience. We did a three-week trip in 2010 to Australia and New Zealand. We did a week in Australia (Sydney, Melbourne, Tasmania) and then two weeks with a rental car in NZ (10 days on the south island and four days on the north island)....
by an_asker
Wed Apr 27, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3209

Re: Off to Australia - need advice

In Australia what doesn't kill you takes your money :D And, in addition to food being brought into the country, they take previous criminal records seriously and it would require the appropriate visa instead of ETA. I have heard about that as well. I did spend quite a while watching those videos, y...
by an_asker
Wed Apr 27, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3209

Re: Off to Australia - need advice

[...]Well, if you're interested in learning about cane toads check this out...http://www.veoh.com/watch/v15573264ctqJrdRr Those toads are positively slimy and scary! Thanks for sharing, it was very informative. I am starting to remember other tidbits I have watched about Australian wildlife in IMAX...
by an_asker
Wed Apr 27, 2016 8:35 am
Forum: Personal Consumer Issues
Topic: Off to Australia - need advice
Replies: 49
Views: 3209

Re: Off to Australia - need advice

I made over 20 trips to Oz in a little more than 3 years. I much prefer Brisbane to Sydney - Sydney is a great, world class city but it is first and foremost a big city. Brisbane is much smaller and livable. There are free public swimming lagoons on the South Bank. A short walk to Kangaroo Point th...
by an_asker
Tue Apr 26, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1949

Re: Holes in the heels of black dress socks

Does anyone have experience of black dress socks wearing out very quickly nowadays -holes in the heel area and near the toes? I've bought Gold Toe, Adidas, Puma, Dockers, Costco premium socks, and they all wear out pretty quickly-2-3 months or sooner. They never used to do that 5 years ago, or is i...

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