Search found 1360 matches

by guitarguy
Thu Jan 19, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Award flight from NY to MIA with ultimate reward points
Replies: 17
Views: 1255

Re: Award flight from NY to MIA with ultimate reward points

Hi all, My wife and I have 100,000 ultimate rewards points from the recent Reserve bonus. We are interested in a trip to the florida keys from 4/9 to 4/15 however flight prices in cash are insane and I can't seem to find any good reward flights either. Is there a good website for sorting through aw...
by guitarguy
Wed Jan 18, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4187

Re: Keeping kitchen knives sharp

Thanks for all the replies everyone!

I will probably go with one of the cheaper options and see how that works to sharpen up every so often.

:sharebeer
by guitarguy
Wed Jan 18, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Crack in basement wall of house
Replies: 10
Views: 1063

Re: Crack in basement wall of house

2 sump pumps...high water table? They must have a drain tile (interior or exterior) running into the pumps...? If anything that means they've taken action to make sure the water is getting away from the house. In my experience that's a good thing rather than bad...as long as everything is working th...
by guitarguy
Sun Jan 15, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Speaking to using Korean Air miles on partner flights, this is echoed on several sources from a google search...so it appears...yes I'm sure. But not happy about it. http://onemileatatime.boardingarea.com/2014/02/14/how-to-redeem-korean-air-skypass-miles/ Thank you for the link. Initially I was ver...
by guitarguy
Fri Jan 13, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

We've found that many of the rewards travel cannot be booked online. (And those that can be booked on line, seem to be the ones we don't want, or at least don't want to use these days.) The only annoyance we've found is getting through to the right "desk" or department. Once we get the ri...
by guitarguy
Fri Jan 13, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Enlightening!! But it says it can't be booked online when I looked up my local airport to HNL. This type of booking has to be done over the phone? We've found that many of the rewards travel cannot be booked online. (And those that can be booked on line, seem to be the ones we don't want, or at lea...
by guitarguy
Fri Jan 13, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Enlightening!! But it says it can't be booked online when I looked up my local airport to HNL. This type of booking has to be done over the phone? We've found that many of the rewards travel cannot be booked online. (And those that can be booked on line, seem to be the ones we don't want, or at lea...
by guitarguy
Fri Jan 13, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

What currencies do you like Skymiles over? In my experience they're probably the least valuable airline miles, including foreign airlines. This can be strongly affected by where you fly. In particular being in a Delta captive city can make Skymiles more useful than the gyrations necessary to use &q...
by guitarguy
Wed Jan 11, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6471

Re: Where do you keep your emergency fund?

2 months expenses in Ally savings. 4 more months expenses are allocated in one of our Roth IRAs at Vanguard, in VBIRX. We also have plenty more cash on hand at Ally that is earmarked for other stuff, that we could tap if needed. We separate into "buckets" but if something really catastroph...
by guitarguy
Wed Jan 11, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: need advice: How can housewives get credit cards?
Replies: 15
Views: 2098

Re: need advice: How can housewives get credit cards?

My wife is retired, and so am I. I have great credit score (810). She went to CreditKarma to get her score - also 810! We thought it would be good for her to have a card in her own name. She applied through that site, got approval for a chase card in minutes with a huge limit. Kind of surprised. FY...
by guitarguy
Wed Jan 11, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: need advice: How can housewives get credit cards?
Replies: 15
Views: 2098

Re: need advice: How can housewives get credit cards?

Yes, for income you use household income. ... even if the card is only for the non-working spouse. When you're married it can't be for only one person. It's marital income and marital debt. When I try to make a phone inquiry on my wife's account, they won't talk to me. To me, that means the account...
by guitarguy
Wed Jan 11, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4187

Keeping kitchen knives sharp

Anyone have any tips for tools to easily keep kitchen knives sharp? Do those dinky little sharpeners that you just slide the knife through really work? Or do you need like a stone type tool that you slide the blade up and across? I'm not really up to snuff on my knife sharpening skills...but need to...
by guitarguy
Tue Jan 10, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

What currencies do you like Skymiles over? In my experience they're probably the least valuable airline miles, including foreign airlines. This can be strongly affected by where you fly. In particular being in a Delta captive city can make Skymiles more useful than the gyrations necessary to use &q...
by guitarguy
Thu Jan 05, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Website Form Builder
Replies: 8
Views: 395

Re: Website Form Builder

Been using WordPress for, oh, a decade. In my opinion, the best form builder is Ninja Forms. Like many WP plugins, there's a free version and a souped up version that you can pay for. Link: https://wordpress.org/plugins/ninja-forms/ Can I still use something like this if I don't move my website fro...
by guitarguy
Thu Jan 05, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Website Form Builder
Replies: 8
Views: 395

Website Form Builder

Anyone by chance have a recommendation for a form builder type tool for websites? Looking for something, preferably free but I would be willing to pay a small annual fee if it's worth it, that will allow me to pick and choose what fields I want, allow for a drop down menu, etc, and will simply email...
by guitarguy
Wed Jan 04, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1205
Views: 149009

Re: What's Your Credit Card Rewards Strategy?

Still using my CapitalOne Venture card. 2% cash back on anything valid for travel purchases. Because I always have travel expenses, it has helped me save over $2,000 last year. And you can redeem for travel purchases as soon as the purchase hits your account. No need to wait for a monthly statement...
by guitarguy
Wed Jan 04, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10236

Re: Max It Out Tomorrow [your IRA]

Now I get on here and have to read about lump sum vs DCA?? :oops: :greedy "lump sum vs DCA" is easy. "lump sum investing" is when you invest exactly once in your entire life. "DCA" is when you invest more than once in your entire life. "not investing at all" ...
by guitarguy
Wed Jan 04, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10236

Re: Max It Out Tomorrow [your IRA]

Interesting. Over the past couple of years we've finally made it to the point where we can max out both Roth IRA's. Now all that's left is to tick up 401k contributions 1%...or more if we can swing it...per year until those are maxed as well. Right now we're at a savings rate of 23% of gross income....
by guitarguy
Tue Jan 03, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Running electrical wire (Romex) on outside of house without conduit. Allowed?
Replies: 29
Views: 2757

Re: Running electrical wire (Romex) on outside of house without conduit. Allowed?

I didn't read all of the above posts.

OP: Would it not cost like $20 and an extra half hour of time to just run the conduit?

Required by local code or not...I really don't see a reason not to use it.
by guitarguy
Tue Jan 03, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Home upgrades, timing and cost
Replies: 10
Views: 750

Re: Home upgrades, timing and cost

Hello,Plan to move out in approximately 3 years That alone, IMO, is enough reason to avoid doing any major renovations whatsoever. The only exception being that the kitchen/bathroom/etc is in such shambles it would be a major factor and derail you selling the place. Smaller upgrades like paint, may...
by guitarguy
Tue Jan 03, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Home upgrades, timing and cost
Replies: 10
Views: 750

Re: Home upgrades, timing and cost

I think there is a big difference between "upgrade" and "update". You used upgrade, so I'm assuming you have somewhat modern kitchen and bath, but whose style isn't the most current trend. Others are right in saying these sorts of upgrades, while helpful, don't bring back full v...
by guitarguy
Fri Dec 23, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

One huge thing to note, if you are looking at doing this 'above board' is that code requirements mean that a certain amount of the living space has to be 7' or higher. While this can be possible, it might limit your layout if you are staying within the existing roofline. I am all for doing the mini...
by guitarguy
Fri Dec 23, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

jfn111 wrote:In the MLS a full bath and a half bath is counted as two baths. :D
This definitely helps with resale because most searches I set up for customers start with 2+ baths.


Really? I have seen lots of listings listed at "1.5 baths"....
by guitarguy
Thu Dec 22, 2016 5:35 pm
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

Thanks for the replies everyone. We have decided to go for adding the bathroom. I was kind of in the corner of the "how much will we use it" camp, while the wife was more firmly in the "we should definitely do it" camp. Well, last night when a friend was occupying our bathroom, a...
by guitarguy
Tue Dec 20, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

You can fit a 3/4 bath in 5' x 5'. Do some google searching. However your shower will need to be no larger than a 36" corner unit or maybe even a 30" corner unit. It will help immensely to have the bathroom door open into the bedroom, not into the bathroom. You could also consider a pocke...
by guitarguy
Tue Dec 20, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

You can fit a 3/4 bath in 5' x 5'. Do some google searching. However your shower will need to be no larger than a 36" corner unit or maybe even a 30" corner unit. It will help immensely to have the bathroom door open into the bedroom, not into the bathroom. You could also consider a pocke...
by guitarguy
Tue Dec 20, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Renovation - Cash or Loan?
Replies: 22
Views: 1314

Re: Kitchen Renovation - Cash or Loan?

I guess I am on the other end of the spectrum. I don't know how a whole kitchen can be remodeled for that much. My kitchen was more than 3x. I agree that $25k seems like a lot for a kitchen renovation. But, if it's a dream kitchen and would make you really happy... go for it. Pay cash and be done w...
by guitarguy
Tue Dec 20, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

Heating/cooling - The window A/C sounds like your best bet for cooling. I'm not sure if you need a cold air return or if you can get the same effect by just letting the cold air go down the stairs. Your heat register fix sounds fine. The drywall will give you many times the heat and air seal over p...
by guitarguy
Tue Dec 20, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

It's not clear to me what sort of bathroom you're considering, a full or a 3/4 with only a shower. Beware adding a tub to an upstairs space that wasn't designed to hold that sort of weight. We would consider 3/4 or 1/2 bath here. No tub. Is adding a dormer to accommodate a shower even possible? Dor...
by guitarguy
Tue Dec 20, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Re: Upstairs Bungalow Remodel / Bathroom Addition

I generally find adding a bathroom to a house with only one is money well spent in terms of what you will get when you go to sell it. One question, have you thought of adding 3/4 bath instead of a full bath or half bath upstairs. Essentially you have just a stand up shower with no tub but still hav...
by guitarguy
Tue Dec 20, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 29
Views: 1753

Upstairs Bungalow Remodel / Bathroom Addition

So we are planning a remodel of the upstairs (master) bedroom area of our small 995 sqft MI bungalow. To date, we have basically redone the whole house except for upstairs, so it's kind of next on the list. The good thing is, we have an open bedroom on our main level, so we can basically just move d...
by guitarguy
Fri Dec 09, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Christmas Gift to my boss. What book?
Replies: 17
Views: 1379

Re: Christmas Gift to my boss. What book?

The Shining. Especially if his name is either Jack or Johnny.
by guitarguy
Fri Dec 09, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses - Costco Changed Policies - Help!
Replies: 48
Views: 23545

Re: Eyeglasses - Costco Changed Policies - Help!

For equivalent progressive lenses, that site is about $100 more than Costco in my case...or make it about $80, since I had to pay an $18 extra fee at Costco. My comparison was digital/hd progressive with 1.67 material and premium AR, which were $169 at Costco or $187 with the $18 fee. Fair enough. ...
by guitarguy
Fri Dec 09, 2016 1:41 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses - Costco Changed Policies - Help!
Replies: 48
Views: 23545

Re: Eyeglasses - Costco Changed Policies - Help!

I maintain 2 pairs of regular glasses, an every day pair and a backup pair that I wear when I play basketball or other active stuff. Plus I have 2 pairs of Ray Ban** prescription sunglasses...a high wrap pair that I use when I'm active (running or whatever) and another pair that I have for everyday ...
by guitarguy
Fri Dec 09, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is US stocks going up too fast?
Replies: 21
Views: 2171

Re: Is US stocks going up too fast?

Whelp, I'm 31. I'd like to retire at about 60. For the next 29 or so years, I'm gna contribute as much as I can to retirement accounts, tick my AA towards the conservative side as the years go by, and hopefully at the right time I've got a decent sized portfolio. In the meantime I'll not worry about...
by guitarguy
Fri Dec 09, 2016 9:21 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9056

Re: HSA - is keeping 40 years of medical records practical?

Ahh...lightbulb. I think I understand now....? You would take already non taxed money, contribute it to 401k, and then take another tax deduction for that contribution...is that right? So then you just have to weigh tax free growth vs the double tax savings now....hmm. Very interesting. :idea: :ide...
by guitarguy
Fri Dec 09, 2016 9:01 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9056

Re: HSA - is keeping 40 years of medical records practical?

Maybe I'm not understanding. What is the benefit of removing funds from HSA and placing them in 401k? You're removing them from an account where you will more than likely avoid paying taxes on that money even after growth, and putting them somewhere where you'll be taxed on it eventually no matter ...
by guitarguy
Fri Dec 09, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9056

Re: HSA - is keeping 40 years of medical records practical?

I would just like to point out that keeping keeping funds in the HSA when you otherwise could remove them for eligible healthcare spending is only really a good idea if you have no remaining tax advantaged space. I think this point gets lost at times. NS I don't understand. Normal tax advantaged sp...
by guitarguy
Fri Dec 09, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9056

Re: HSA - is keeping 40 years of medical records practical?

Regardless, you're going to incur medical expenses at some point. It's basically inevitable. Why not capitalize on the tax free growth of HSA over maxing out a 401k? Worst case is it's treated like an IRA in the end...not really any advantage over a 401k. And bonus if you have great Vanguard fund o...
by guitarguy
Fri Dec 09, 2016 8:43 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9056

Re: HSA - is keeping 40 years of medical records practical?

I would just like to point out that keeping keeping funds in the HSA when you otherwise could remove them for eligible healthcare spending is only really a good idea if you have no remaining tax advantaged space. I think this point gets lost at times. For example, if you are not maxing out a Roth o...
by guitarguy
Fri Dec 09, 2016 8:28 am
Forum: Investing - Help with Personal Investments
Topic: HSA - is keeping 40 years of medical records practical?
Replies: 128
Views: 9056

Re: HSA - is keeping 40 years of medical records practical?

I would just like to point out that keeping keeping funds in the HSA when you otherwise could remove them for eligible healthcare spending is only really a good idea if you have no remaining tax advantaged space. I think this point gets lost at times. For example, if you are not maxing out a Roth o...
by guitarguy
Thu Dec 08, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason not to sprinkle in some small cap index?
Replies: 14
Views: 1422

Re: Any reason not to sprinkle in some small cap index?

I add in some small caps in my Roth IRA at Vanguard (VSMAX) as part of my overall strategy to *approximate* the TSM by combining that fund in my Roth with the available SP500 index fund in my 401k at Fidelity. More here: https://www.bogleheads.org/wiki/Approximating_total_stock_market I'm at about 8...
by guitarguy
Wed Dec 07, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 469
Views: 112299

Re: Share your net worth progression

I started tracking in 2011: Dec 2011, Age 26, Salary $61.5k, Net Worth ($47k) Dec 2012, Age 27, Salary $63.5k, Net Worth ($4700) Dec 2013, Age 28, Salary $66.5k, Net Worth $39k Dec 2014, Age 39, Salary $78k, Net Worth $105k Dec 2015, Age 30, Salary $80k, Net Worth $172k Dec 2016, Age 31, Salary $83...
by guitarguy
Tue Dec 06, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Spouses and spending styles...
Replies: 53
Views: 5792

Re: Spouses and spending styles...

You think that's bad? My wife just spent $63 on more Christmas decorations that we "needed". Now we're probably pushing an 18-wheeler sized cargo bay full of crap. I thought it was a complete waste of money and nearly decided to leave her...until the Christmas carol singing bouncing stuffe...
by guitarguy
Tue Dec 06, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 469
Views: 112299

Re: Share your net worth progression

I started tracking in 2011: Dec 2011, Age 26, Salary $61.5k, Net Worth ($47k) Dec 2012, Age 27, Salary $63.5k, Net Worth ($4700) Dec 2013, Age 28, Salary $66.5k, Net Worth $39k Dec 2014, Age 39, Salary $78k, Net Worth $105k Dec 2015, Age 30, Salary $80k, Net Worth $172k Dec 2016, Age 31, Salary $83k...
by guitarguy
Tue Dec 06, 2016 9:53 am
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7325

Re: Men's Fashion - Best Bang for Buck

I like Banana Republic for work and some casual stuff , Levi's for jeans, Gap and Old Navy for cheaper stuff or other casual stuff. I can't seem to find and off the rack dress shirt...but my tailor does darts for cheap. I buy everything on sale and try to get stuff that is not too trendy and will l...
by guitarguy
Mon Dec 05, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Installment loan to boost credit score.
Replies: 29
Views: 1984

Re: Installment loan to boost credit score.

More important things to do with your time and money. I'm retired and inquiring minds want to know. I was approved for a $1,000.00 loan for 6 months from my credit union. A loan officer will be contacting me. :greedy Question; does the loan have to be open to increase my score or will there be a la...
by guitarguy
Mon Dec 05, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7325

Re: Men's Fashion - Best Bang for Buck

I like Banana Republic for work and some casual stuff , Levi's for jeans, Gap and Old Navy for cheaper stuff or other casual stuff. I can't seem to find and off the rack dress shirt...but my tailor does darts for cheap. I buy everything on sale and try to get stuff that is not too trendy and will l...
by guitarguy
Mon Dec 05, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about chase 5/24 rule
Replies: 15
Views: 1752

Re: Confused about chase 5/24 rule

Simple answer, count up the *new* cards, in your name, that you've *opened* with any bank over the last 24 months. If the number is greater than 5, then you'll need to wait until that number drops below 5 for the previous 24 months. Old cards, the total number of cards, your wife's cards, whether t...

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