Search found 110 matches

by jh-1391
Fri Apr 21, 2017 4:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297203

Re: What's Your Credit Card Rewards Strategy?

Just to make sure I follow, you booked business class on United for 70k miles and $280 fuel surcharges, one-way -- is that right? And that's non-stop to where in Italy? Just trying to get a sense of what the market is for business class to Italy. Personally, I'd be looking to start from NYC. In my ...
by jh-1391
Tue Apr 18, 2017 5:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297203

Re: What's Your Credit Card Rewards Strategy?

Huh....I've had good success with Star Alliance international award availability. I also really like Aeroplan's 55K award price for biz between the US and Western Europe. Significantly cheaper than the 70K I'd pay for United partner awards, and I really have no way of getting more United miles at t...
by jh-1391
Tue Apr 18, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297203

Re: What's Your Credit Card Rewards Strategy?

I have actually had decent luck with redemptions and availability on SkyTeam. Some of their itineraries aren't the greatest, but the points are easy to earn and availability has been good. Don't the fuel surcharges on Skyteam get in the way of good redemption value frequently? I just booked busines...
by jh-1391
Mon Apr 17, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297203

Re: What's Your Credit Card Rewards Strategy?

It's pretty much impossible to use them for flights to Australia, or to Europe without flying BA and paying huge fuel surcharges. Well, not impossible, but for the average person who doesn't know all the tricks it's essentially impossible. There is plenty of availability to Asia though, and South A...
by jh-1391
Sun Apr 16, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297203

Re: What's Your Credit Card Rewards Strategy?

I am reconsidering cards with American airlines rewards as they seem to have devalued their product greatly by severely limiting seats. Agreed, at least in my experience so far. I got targeted for a 60k signup bonus and decided why not, and now I'm regretting it. I have 100,000 AA miles just collec...
by jh-1391
Wed Apr 05, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Investing a Portion of Emergency Fund
Replies: 11
Views: 1055

Re: Investing a Portion of Emergency Fund

Like others have said, look into I Bonds. I'm currently in the process of moving a larger portion of my EF into I Bonds. While there are some savings accounts paying 1% and give you more flexibility in withdrawals, I like the safety and upside I get with I Bonds. Plus, because I don't think of them ...
by jh-1391
Wed Mar 22, 2017 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Failing to understand taxable acct strat
Replies: 16
Views: 1877

Re: Failing to understand taxable acct strat

Would an S&P 500 fund be a terrible idea in taxable? I'm not too far into investing into Schwab's S&P index fund so I could switch strategies to total stock/total international if total stock would be substantially better. I realize it would expose me to small and mid cap companies more, but...
by jh-1391
Tue Mar 21, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Bonds Exchange in Taxable Account
Replies: 12
Views: 688

Re: Bonds Exchange in Taxable Account

This is slightly off topic to the OP, but it has to do with bonds, or lack thereof, in a taxable account.. So I operate my accounts (Roth IRA, company 401k, taxable brokerage) with independent asset allocations. What I mean is they all have identical allocations, just different funds based on what's...
by jh-1391
Mon Mar 20, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm
Replies: 34
Views: 2778

Re: State Farm

I was always happy with State Farm... ..until I found out they were charging me over $1,300 more than all competitors for my homeowner's insurance for the same coverage. No claims, ever, yet their homeowners coverage was $1,000-$1,300 more than everyone else. They were fine on auto. Now I'm with my ...
by jh-1391
Fri Mar 17, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5075

Re: Fidelity vs. Vangard?

Both Fidelity and Vanguard are undergoing a transition to more tablet and mobile friendly sites. I'm not sure what you mean by the old Fidelity site two years ago, but just recently, I've noticed some very differently looking pages (style wise) in certain areas. The abrupt change in look/feel is di...
by jh-1391
Thu Mar 16, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 176
Views: 16374

Re: How Much in Your Emergency Fund And Is It Used?

I have 5 months of income in pure "emergency" dollars, an additional month in fluctuating dollars (vacations, semi-annual expenses, checking buffer, etc.). This comes out to about 10 months of 100% necessary monthly expenses if I didn't want to move or sell anything. I'm single and work in...
by jh-1391
Thu Mar 16, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5075

Re: Fidelity vs. Vangard?

Their website is (to me) 10 times better. Maybe 100 times better .... I always hated having to do anything on the vanguard website. . . . and that's what makes horse races. I don't care for Fidelity's web site, but have no trouble with Vanguard's. My wife likes ice cream; I prefer sorbet. When I st...
by jh-1391
Tue Feb 28, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 64
Views: 7696

Re: Ugh, why is buying a new car so painful?

I also just bought a pacifica (not hybrid though) which was my first new car purchase. Sorry if i might ramble but in my 2nd post here, I figured I'd tell the story of that car shopping experience. I was able to get great results at the dealer due to being direct and well-informed. I used NADA to g...
by jh-1391
Mon Feb 27, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: More support for backdoor Roth? [Roth IRA Decision reversing Tax Court]
Replies: 27
Views: 3120

Re: More support for backdoor Roth? [Roth IRA Decision reversing Tax Court]

I have successfully started to freak myself out over backdoor Roths. Finding this thread has given me more insight as to how the law treats them, but I'm curious. How are most people handling their conversions if they're over Roth income limits? Do many use it systematically every year? Or do they w...
by jh-1391
Wed Feb 08, 2017 2:15 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund/Broker Help
Replies: 5
Views: 404

Re: Mutual Fund/Broker Help

Vanguard for her, Schwab for him. Is there any particular reason your sister wants the accounts at the same place? If there is a good reason, maybe Schwab for both. Seems like having the best choice for each is better than any compromise, though. It would avoid any mixups on either end. Just simpli...
by jh-1391
Wed Feb 08, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund/Broker Help
Replies: 5
Views: 404

Re: Mutual Fund/Broker Help

It sounds like they do not know what they want because there are many contradictory wishes that you listed. A good trading platform but want single fund with automatic investing options, low fees? Sounds like Vanguard target date funds would be perfect for them. They should learn about the advantag...
by jh-1391
Wed Feb 08, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 836

Re: Brokerage with Easiest Steps for IRA Conversion

Thanks everyone for the help. This is off-topic some, but on Fidelity can anyone buy their "Investor" class funds? Because I'm looking at their Target Date offerings, and they have the same funds that range in expenses from 0.1% to 0.77%. I know the lowest is institutional, but there are ...
by jh-1391
Wed Feb 08, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund/Broker Help
Replies: 5
Views: 404

Mutual Fund/Broker Help

Hey Bogles, I've been on here a lot recently asking some questions for my investment-adverse sister, and I have a few more. She's 28 going on 29 with basically no retirement savings so far. Her and her husband have started to prioritize and will be aggressively saving towards their retirements now, ...
by jh-1391
Wed Feb 08, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 836

Re: Brokerage with Easiest Steps for IRA Conversion

Thanks everyone for the help. This is off-topic some, but on Fidelity can anyone buy their "Investor" class funds? Because I'm looking at their Target Date offerings, and they have the same funds that range in expenses from 0.1% to 0.77%. I know the lowest is institutional, but there are a...
by jh-1391
Wed Feb 08, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 836

Re: Brokerage with Easiest Steps for IRA Conversion

Vanguard is incredibly easy nowadays, but so are Wellsfargo and TDAmeritrade. I've conversions at all 3 of theses. I haven't done one at Fidelity, but other transactions there are relatively easy such as rollovers. I suppose she could walk into a local Fidelity office and have someone do it for her...
by jh-1391
Wed Feb 08, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Brokerage with Easiest Steps for IRA Conversion
Replies: 11
Views: 836

Brokerage with Easiest Steps for IRA Conversion

Hey Bogles, this is an admittedly strange question, but asking for my finance-averse sister (and by that I mean she gets easily overwhelmed by investing). She and her husband have realized that as they're 1 year away from 30, they have done absolutely nothing for retirement so they've started by con...
by jh-1391
Tue Jan 31, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for Married Filing Separately
Replies: 1
Views: 344

Roth IRA for Married Filing Separately

Hi Bogleheads, I have a question that I'm asking for my sister and brother-in-law. They are married but file separately. She has income-based student loan repayment and he is a naval officer, so they file separately so her payments are based on her income (she's in a loan forgiveness program so tryi...
by jh-1391
Thu Jan 12, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: thoughts about financial advisors comments regarding roth 401k
Replies: 30
Views: 3553

Re: thoughts about financial advisors comments regarding roth 401k

I feel like if you're able to comfortably fund the max contributions to a traditional 401k, then mixing in some as Roth contributions may be the right step. If you can comfortably fund the max for a Roth 401k, then I probably would. I have the Roth option with my 401k, but I'm currently not maxing m...
by jh-1391
Thu Jan 12, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 7147

Re: Where do you keep your emergency fund?

having an emergency fund was one of the dumbest financial moves i made. i have enough in taxable accts to cover emergencies, with a quick sale of funds. I wish i had invested those emergency dollars a long time ago, instead of letting them languish. I think the recommendation can be dubious. Funny....
by jh-1391
Thu Dec 15, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: How will you tip this Christmas?
Replies: 51
Views: 4744

Re: How will you tip this Christmas?

I'm baking cookies for all of my field guys that get stuff done for me while I sit in my office. It's not expensive, doesn't take too much of my time, and I KNOW sometimes what I ask them to do is a pain in the butt. It's their job of course, and they get paid to do it, but that doesn't mean I can't...
by jh-1391
Wed Oct 19, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 4727

Re: Do Bogleheads use Robo Advisors?

I do and I don't. Currently, my 401k is with Schwab, the company my employer has it with, and my IRA is with Vanguard. I was trying to use Fidelity (trying all of the low cost investor sites probably wasn't my best idea, but now I know) for my non-retirement account/non-emergency fund investing, but...
by jh-1391
Fri Oct 14, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Saving for (Large) Future Purchases?
Replies: 7
Views: 573

Re: How to Handle Saving for (Large) Future Purchases?

I'll actually chime in with what I do right now. I have three accounts currently that aren't retirement or emergency money. One is a holding account so I can start saving for next year's Roth. One is a revolving account where I save for insurance and other semi-annual expenses. One is a short term/v...
by jh-1391
Fri Oct 14, 2016 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How to Handle Saving for (Large) Future Purchases?
Replies: 7
Views: 573

How to Handle Saving for (Large) Future Purchases?

I'm wondering how most people handle the possibility of large purchases in the future? And when I say possibility, I know I will eventually do some of this stuff, but I don't currently plan on doing them in the short term (3-5 years). For example, I have a 5 year old house. Nothing needs work now, b...
by jh-1391
Thu Oct 13, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Priority/Strategy Check-In
Replies: 10
Views: 954

Re: Financial Priority/Strategy Check-In

I will preface this by saying it's fairly "unboglehead" of me (and it's market timing) but if you have a small amount of options (less than lets say 10k worth) and they have 7 years left before expiration then I would absolutely hold on to them. I think oil prices will rise (eventually) a...
by jh-1391
Thu Oct 13, 2016 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Priority/Strategy Check-In
Replies: 10
Views: 954

Re: Financial Priority/Strategy Check-In

Thank you all so much for the feedback. A few clarifications: - I actually am maxing out my HSA now; I apologize for not making that clearer. I didn't my first year, and I'm pretty much always using it to pay medical bills right now rather than pay out-of-pocket then reimburse, so that's why it does...
by jh-1391
Thu Oct 13, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297203

Re: What's Your Credit Card Rewards Strategy?

I wouldn't get too caught up in getting the "greatest value". I read that on all the sites - only use for international, only use for business class, etc. That is great, but I decided to get points in order to get my family to Italy. I guess if you are single, or a couple, it is great to ...
by jh-1391
Thu Oct 13, 2016 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Financial Priority/Strategy Check-In
Replies: 10
Views: 954

Financial Priority/Strategy Check-In

Okay, so I haven't posted here in a while. Finances have been auto pilot for the most part and been working to meet my Emergency Fund goal and pay off my car loan. I finished my EF and now working on my second goal and making good progress. What's prompting this re-evaluation is I was having some di...
by jh-1391
Fri Apr 24, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 11031

Re: Marriage and splitting expenses

I've been with my spouse for some time, but we've never lived together (married recently, no kids, and currently long-distance because of work), so our finances have been completely separate. We're moving in together this summer, and we're trying to figure out the best way to divide expenses. Spous...
by jh-1391
Wed Apr 22, 2015 7:07 am
Forum: Personal Finance (Not Investing)
Topic: One Spouse Outearning the Other?
Replies: 64
Views: 7333

Re: One Spouse Outearning the Other?

My wife has always out-earned me. A good 50% more, many years... I highly recommend it. :) (I really cannot understand anyone who would be upset by this) It's amazing the egos on some "successful" men. Actually, I see it most in up-and-comers that they resent a higher earning wife/SO. I k...
by jh-1391
Thu Apr 09, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 29408

Re: Cost of College & Weighing the Merits of Top Schools

My point is this: say your kid wants to be a doctor, med school is guaranteed, so why go to Harvard pre-med when you can go to a very good state school program (if offered)? I'm not saying short-change your's or your child's education. I don't have the stats, but I would be surprised if even half o...
by jh-1391
Wed Apr 08, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 29408

Re: Cost of College & Weighing the Merits of Top Schools

I'll preface this with saying I graduated from one of the best programs in the country for my degree, which happened to be at a state school: For graduate programs, name matters if you don't have previous networking/connections in your field of choice. For undergraduate programs, not so much. I don...
by jh-1391
Wed Apr 08, 2015 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of College & Weighing the Merits of Top Schools
Replies: 304
Views: 29408

Re: Cost of College & Weighing the Merits of Top Schools

I'll preface this with saying I graduated from one of the best programs in the country for my degree, which happened to be at a state school: For graduate programs, name matters if you don't have previous networking/connections in your field of choice. For undergraduate programs, not so much. I don'...
by jh-1391
Tue Mar 31, 2015 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Completely new early twenty something needs help!
Replies: 37
Views: 3290

Re: Completely new early twenty something needs help!

Here's what I would do, if I were you and wanted to go the envelope route - 1) get your paycheck direct deposit into your newly opened checking account 2) withdraw however much your "must have" expenses are for the month/two weeks (since you're paid bi-weekly), and stash that into the enve...
by jh-1391
Mon Mar 16, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How do you structure/hold your Emergency Funds (EF)?
Replies: 22
Views: 3355

Re: How do you structure/hold your Emergency Funds (EF)?

My plan is based on my income, not my expenses just to be more conservative. Not there yet but getting there: 1 month in a savings account attached to my checking, available same business day (this is mostly for those true emergency type of expenses that I would need to take care of immediately: hos...
by jh-1391
Fri Mar 13, 2015 7:27 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 14788

Re: $600 night guard for teeth grinding, really?

I grind and clench my jaw at night. Got a custom fitted one and the difference is staggering. My dad had been using an OTC and he still has some grinding issues. There are two things on my body that I make sure I take very good care of - my teeth and my feet. $600 pales in comparison to significant ...
by jh-1391
Mon Mar 09, 2015 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

So you would rather pay for something that will depreciate rather than a home for your entire family that will (probably) hold its value? All while not having retirement accounts? A house isn't a "thing" you buy. It's an asset you happen to live in. A car, a BMW specifically, is just a thi...
by jh-1391
Mon Mar 09, 2015 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

She only wants the BMW as a status symbol. That's my point to the OP, though. She apparently won't drive the nicer car to "preserve" it, so she instead wants two luxury cars that get worn down? Makes zero sense. The uber expensive McMansion makes more sense than that. At least you have ki...
by jh-1391
Mon Mar 09, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

Townhome is 2000 sq feet. Its an end unit. Its a townhome, not a condo or a coachhome. And its a end unit with land, if that matters and with no one above us. As for the cars, there is no hers or my car. Whoever gets a contract/client that is further, that person takes the more economical car becau...
by jh-1391
Mon Mar 09, 2015 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 24078

Re: How Many Credit Cards Do You Actually Use?

Upromise card - 10% cash back on various online purchases, no annual fee Fidelity AMEX - 2% cash back on everything, no fee Capital One Venture - 2x miles on everything, annual fee Wells Fargo CC - no real benefits, but oldest card, no annual fee Just got the Southwest Visa - 2x miles for SWA flight...
by jh-1391
Sat Mar 07, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

Thanks for the answers so far. As to why we dont have a retirement account, I dont have a good answer other than the fact we didnt know better. ... In a way, I want to be able to send each kid to college (fully paid) and put aside $500K each. I do not believe in colleges that cost $100K or 250K etc...
by jh-1391
Fri Mar 06, 2015 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

I'm not comparing two middle of the road, small to mid size schools. I'm talking about larger universities that have reputations in various industries and strong alumni networks. I went to school for probably $100k total at a larger university which has DEFINITELY helped me get where I am today tha...
by jh-1391
Fri Mar 06, 2015 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

In a way, I want to be able to send each kid to college (fully paid) and put aside $500K each. I do not believe in colleges that cost $100K or 250K etc. IF my kids cant get into the TOP 5, they are going to University of Mom and Pop, where a 4 year degree can be done under $30K (2 year community th...
by jh-1391
Fri Mar 06, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 25
Views: 2343

Re: Recent College Grad Needing Advice

My advice after seeing that your listed amounts include extra payments - Focus on one thing and scratch that off of your list. After that's done, move on to the next. My priorities if I were you: 1) Emergency fund, get at least $1k in the bank, $2k is better 2) Once that is done, take your current &...
by jh-1391
Fri Mar 06, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

In a way, I want to be able to send each kid to college (fully paid) and put aside $500K each. I do not believe in colleges that cost $100K or 250K etc. IF my kids cant get into the TOP 5, they are going to University of Mom and Pop, where a 4 year degree can be done under $30K (2 year community th...
by jh-1391
Thu Mar 05, 2015 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 27890

Re: Wife tired of saving...

Your wife contributes fantastically to this very high income that you guys have and commutes 80 miles per day in a car, while you work from home. For the love of peat, buy her a nice, safe car, and don't worry if it gets 10 miles less per gallon in efficiency, and then make it her* car. She's earni...

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