Search found 107 matches

by jriding
Tue May 15, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out retirement?
Replies: 21
Views: 1754

Re: Where to invest after maxing out retirement?

If you're eligible for a Health Savings Account (HSA) you should be maxing annual contributions and treating it as another retirement account.
by jriding
Thu May 10, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice from Pension Fund Manager - Should I listen?
Replies: 39
Views: 1708

Re: Investment Advice from Pension Fund Manager - Should I listen?

Most of us were once in your uncertain shoes. Jack Bogle's book, "The Little Book of Common Sense Investing" and this website set me on the right path.

https://www.amazon.com/Little-Book-Comm ... 0470102101
by jriding
Fri Apr 20, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30969

Re: KF's simple rules to achieve FI

KlangFool wrote:
Fri Apr 20, 2018 5:01 pm
Rule #5

Do not save for college education
Alright, you're going to have to elaborate on #5. I sleep better at night knowing I've got most of my kids in-state college expenses in a 529. We'll have to cash flow some and they'll have to work some, but it will be, um, simple.
by jriding
Fri Apr 20, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: KF's simple rules to achieve FI [Financial Independence]
Replies: 451
Views: 30969

Re: KF's simple rules to achieve FI

triceratop wrote:
Fri Apr 20, 2018 4:21 pm
I prefer to avoid simple rules. Life is complex.
I prefer to avoid complex rules. Life is short.

Perhaps KF's rules will only be useful to the simpletons among us. :beer
by jriding
Tue Mar 27, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9300

Re: Not going to be buying chicken for a while...

I just so happened to have some Kirkland-brand frozen chicken breasts defrosted and ready to grill. I paid attention to marbling after reading this thread. One of the three breasts had the tell-tale white stripes, the other two didn't. I pounded them thin and did my usual lemon & garlic rub. Grilled...
by jriding
Mon Mar 26, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 11535

Re: Underrated places to visit in U.S.?

littlebird wrote:
Fri Mar 23, 2018 10:57 pm
I nominate the Black Hills of South Dakota as the most underrated place in the U.S. It's gorgeous and interesting.
+1
And Moab, UT in October/November.
by jriding
Thu Mar 22, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 9531

Re: I’m looking for a word...

Tipping point?
by jriding
Mon Mar 19, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: What kind of bike do I need and how much should I spend?
Replies: 44
Views: 2893

Re: What kind of bike do I need and how much should I spend?

Get this bike: https://www.specialized.com/us/en/mens-sirrus-elite-alloy/p/129110?color=239686-129110 Put these tires on it: https://www.amazon.com/gp/product/B006GHF5Z6/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 Ride anywhere you want - paved or unpaved roads, urban, bike paths, anything. Get a se...
by jriding
Tue Feb 20, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Paying off $372000 mortgage in 12 months
Replies: 46
Views: 7450

Re: Paying off $372000 mortgage in 12 months

Are you maxing out all tax advantaged space for 2018? If not, fill that before paying off mortgage.
by jriding
Fri Feb 16, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 3751

Re: Alliant Credit Union Signature VISA

reimann wrote:
Tue Jan 30, 2018 9:29 pm
Any update on Alliant Visa Signature cards? I charge about $4-5,000/month. The initial 3% back sounds good with 2.5% after that.
My card has worked out great for the past ~5 months. No complaints and the 3% cash back has created a nice vacation fund.
by jriding
Tue Feb 06, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch site crashed today (VG fine)
Replies: 20
Views: 1475

Re: Merrill Lynch site crashed today (VG fine)

Fidelity also looks down: "Internal Server Error - Read The server encountered an internal error or misconfiguration and was unable to complete your request. Reference #3.db896783.1517929632.226c34d7" Vanguard is up. +1. Tried to re-balance some Fidelity funds. The site is running extremely slow an...
by jriding
Fri Jan 26, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 3751

Re: Alliant Credit Union Signature VISA

CT-Scott wrote:
Fri Jan 26, 2018 6:36 pm
Is there any way for me to know what I'd get approved for without going through the actual application process? Can anyone here share their experience?
Our credit scores are also in the 800s. I was approved for $20k. I wonder if, after approval, requesting a higher limit would help?
by jriding
Fri Jan 19, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing 403(b) TIAA Investments
Replies: 22
Views: 1417

Re: Choosing 403(b) TIAA Investments

Is Fidelity a choice for you? I know TIAA is used by a lot of colleges/schools. Many also offer Fidelity. Fees are much lower with Fidelity Spartan funds. Do some double checking. If available, you may need to switch during open enrollment. I'm not a big TIAA fan... +1 We switched from TIAA to Fide...
by jriding
Wed Jan 17, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: A question that keeps coming to my head
Replies: 13
Views: 1238

Re: A question that keeps coming to my head

If you must own the haystack, you will not earn much, the haystack is very expensive to own and maintain. This statement is not correct. One owns the haystack with a simple three fund portfolio or Target Date Fund. Cheap to own, easy to maintain, and beats most active strategies over the long haul.
by jriding
Wed Jan 17, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund allocation assistance
Replies: 11
Views: 1030

Re: 3 Fund allocation assistance

You'll want to build a spreadsheet to figure out exact allocation across each account and track your re-balancing bands. Do you know how to do that? In her 401(k) I'd put 100% in the Dreyfus Instl S&P 500 Stock Index as that's the cheapest available fund that meets your 3-fund goal. Your other accou...
by jriding
Wed Jan 10, 2018 3:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 315
Views: 31025

Re: Post your Financial Milestone Announcements Here

Me and DW (46 and 45) joined the two comma club in December, counting only our retirement investments. Home equity and 529s are in the high six figures, but I'm more interested in building retirement assets, so I don't count those. We celebrated by spending $40 on a nice sushi dinner and haven't tol...
by jriding
Wed Jan 10, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Magazine
Replies: 17
Views: 1985

Re: Personal Finance Magazine

I'm curious what actionable personal finance knowledge folks gain from Financial Magazines that they can't get from the Bogleheads forum and Wiki?
by jriding
Tue Jan 02, 2018 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund with ER 0.06% vs Three fund portfolio
Replies: 8
Views: 961

Re: Target Date Fund with ER 0.06% vs Three fund portfolio

I recently switched from three fund to a low cost TDF (in three different tax advantaged accounts) and have been happy with my decision. I like that I don’t have to think about rebalancing since the TDF does it for me. I still manage a small three fund portfolio across a couple of tax advantaged and...
by jriding
Thu Dec 21, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 56061

Re: Tax Bill Omnibus Thread

NotWhoYouThink wrote:
Wed Dec 20, 2017 6:07 pm
It's been pointed out that there is a $500 dependent credit for children 17 and over, but it starts phasing out at a lower income level, $110K for MFJ.
I'm wondering, for a kid that turns 17 in November 2018, am I eligible for the $2,000 or $500 child tax credit (ignoring the income phase-out)?
by jriding
Wed Dec 13, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Office party secret santa, how to give the gift of investing?
Replies: 17
Views: 966

Re: Office party secret santa, how to give the gift of investing?

Give them one of the many excellent books recommended in the Wiki.

Jack Bogle's The Little Book of Common Sense Investing was life altering for me.

A share of stock is not of much value if the recipient doesn't know how to manage it (or the rest of their portfolio).
by jriding
Wed Dec 13, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

If possible, I would choose D: get a Sapphire Reserve card, so that you get a 50% bonus on the points instead of 25%. The card has a higher fee, but an extra 25% of 200k points is worth $500. If you can also get the sign-up bonus, even better. Thank you Ethelred. Effectively paying $150 ($450-$300)...
by jriding
Tue Dec 12, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2588

Re: Cricket Wireless: What are the gotchas?

We have been on the 5 for $100 family plan for 3 years. Great coverage, good customer service. One gotcha is the 5 for plan is now $130. The 4 for $100 with unlimited data is capped at a slower speed. Still very usable for most. If we didn't have 5 lines we would switch to the unlimited plan. We ha...
by jriding
Mon Dec 11, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18397

Re: Save all this money, what do you splurge on?

This thread has been a breath of fresh air. I have a really hard time splurging on things and have come to the realization that I need to RELAX A LITTLE. I did recently spend $900 to convert a singlespeed gravel grinder into a geared adventure/bike packing bike. Spent three self-supported days loopi...
by jriding
Fri Dec 08, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

UpperNwGuy, drk, curmudgeon, shariq1989: Thank you for your excellent ideas. Plan A: Keep the Sapphire card for now (one year anniversary isn't until July 2018) and "mock-cancel" in June to see if I can get a statement credit incentive to keep the card for another year. Plan B: Transfer the miles to...
by jriding
Fri Dec 08, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

Question for those of you playing the Chase Ultimate Rewards game: We've accumulated ~200,000 UR points that we don't plan to spend until Fall 2018 (for 3-4 Spring 2019 tickets to Europe). I've consolidated all of the UR points into a single account and plan to start cancelling the annual fee cards ...
by jriding
Thu Nov 30, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: May you rebalance before the correction and...
Replies: 24
Views: 3050

Re: May you rebalance before the correction and...

May you fill all tax advantaged space and...
May you reach FI earlier then expected. :D
by jriding
Mon Nov 20, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: AT&T MVNOs and Group Texting
Replies: 4
Views: 398

Re: AT&T MVNOs and Group Texting

Group texting or iMessage? iMessage is a fairly sticky feature of iOS. It isn’t the same as group texting, but is often used for the same purpose. That's a good point. It's only an issue when using the iOS messaging app. Group messaging would presumably work fine through a third party app. It's ult...
by jriding
Mon Nov 20, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: AT&T MVNOs and Group Texting
Replies: 4
Views: 398

Re: AT&T MVNOs and Group Texting

Has anyone else had this experience and did switching their unlocked iPhone to a non-AT&T MVNO solve the group texting problem? Not an iPhone, but my wife's unlocked Android phone is on H20 Wireless (AT&T MVNO) and group texting works fine. Thanks Chip. Turns out this is uniquely an iPhone issue. O...
by jriding
Mon Nov 20, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 50895

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by jriding
Mon Nov 20, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: AT&T MVNOs and Group Texting
Replies: 4
Views: 398

AT&T MVNOs and Group Texting

This is a cautionary tale regarding 3rd party providers of AT&T's cell phone network. I recently switched DW and son's iPhones from AT&T to a much less expensive AT&T Mobile Virtual Network Operator (MVNO) called Redpocket. Everything about the network was good until we discovered that Redpocket doe...
by jriding
Wed Nov 15, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 50895

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements all...
by jriding
Wed Nov 15, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Favorite Holiday Recipes
Replies: 48
Views: 4537

Re: Favorite Holiday Recipes

I make this every Thanksgiving, but it's also a year round staple. My kids think Brussels sprouts are their favorite green vegetable. Probably because they've only had them with bacon: :D http://allrecipes.com/recipe/228875/maple-roasted-brussels-sprouts-with-bacon/ Notes: -After chopping the Brusse...
by jriding
Tue Nov 07, 2017 9:42 am
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 5113

Re: I Cut the Cord yesterday!

Century Link 40 mbps internet: $25/mo Netflix: $10/mo Amazon Prime: $100/yr (not sure how to allocate this to TV since I also value the 2-day shipping, photo cloud storage, and music service) Where we're getting hit is purchasing seasons of my kids two favorite shows via Amazon: Supergirl and Flash ...
by jriding
Wed Nov 01, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: BH New Members 2007 - 2017
Replies: 5
Views: 660

Re: BH New Members 2007 - 2017

I'm not surprised that new membership increases in bull markets and new membership decreases in bad times. I would have expected the opposite. I discovered BHs in the aftermath of the 2008-2009 "crash" as I watched my investments plummet and felt like I needed to do something in response. :oops: I'...
by jriding
Fri Aug 18, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 60
Views: 11409

Re: Fidelity 2% CC or Citi double cash card?

I'm surprised the Alliant Signature Visa card hasn't come up in this thread.
2.5% cash back with $59 annual fee (break even with 2% card is $11,800 annual spend).
First year is 3% cash back.

The side benefits probably don't stack up with the Citi cards, but it's still pretty decent.
by jriding
Wed Aug 16, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything I need to know before investing in an HSA?
Replies: 4
Views: 520

Re: Is there anything I need to know before investing in an HSA?

Before selecting funds, check the management fees. My HSA is through Bank of America and all but one of the fund's fees are quite high.

Save medical receipts (or at least save the larger expenses) in case you need to withdraw HSA money.
by jriding
Tue Aug 08, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 3751

Re: Alliant Credit Union Signature VISA

I recently received the signature Visa. They requested by last two pay stubs a few days after I submitted my application.
I'm not retired and they didn't ask for any tax returns.
by jriding
Tue Aug 01, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 3701

Re: Any BH mountain bikers?

Re: that hill...it's coming right off a narrow turn with basically no bank on it. It's so hard to keep any speed through there!! :? I've been racing mountain bikes for about 10 years. Here's something to try for that hill: Short steep hills are sometimes easier to clean out of the saddle because of...
by jriding
Mon Jul 31, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

I just had an interesting experience with the Chase Ultimate Rewards travel portal. I needed to book a specific hotel for specific days in October. Booking through the Sheraton website offered a pre-paid, nonrefundable standard room rate of $164/night, or a refundable standard room rate for $184/ni...
by jriding
Mon Jul 31, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

I just had an interesting experience with the Chase Ultimate Rewards travel portal. I needed to book a specific hotel for specific days in October. Booking through the Sheraton website offered a pre-paid, nonrefundable standard room rate of $164/night, or a refundable standard room rate for $184/nig...
by jriding
Fri Jul 21, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 6296

Re: Denver or Portland for a 2nd home

Note that you won't be near trails if you live in downtown Denver (paved paths, yes, but not proper trails). And the nearest trails will be very crowded weekends and weekday evenings. The more remote trails will require travel on congested highways like I-70 or US285. I suppose as a retiree you'll ...
by jriding
Fri Jul 21, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 6296

Re: Denver or Portland for a 2nd home

Some of the better trails for hiking, running and or MTB don't require the I-70 or 285 routes and aren't busy at all. Check out areas west of Palmer Lake, Sedalia and in the Pike National Forest. Hidden gems that most Front Rangers ignore. These are indeed Front Range gems that are not as crowded a...
by jriding
Fri Jul 21, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 66
Views: 6296

Re: Denver or Portland for a 2nd home

Note that you won't be near trails if you live in downtown Denver (paved paths, yes, but not proper trails). And the nearest trails will be very crowded weekends and weekday evenings. The more remote trails will require travel on congested highways like I-70 or US285. I suppose as a retiree you'll h...
by jriding
Thu Jun 29, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 8118

Re: Where to View Total Eclipse? - Kansas City

I have a reservation in Ft. Collins CO and am expecting to drive up the interstate in the direction of Casper WY. I would appreciate thoughts about how realistic this is. The room is cancellable. Rooms in Casper are either unavailable or at truly astonishing prices. Very reasonable plan. You could ...
by jriding
Mon Jun 26, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

Recently received Chase Saphire Ink Preferred cards for me and DW (separate accounts, so 80k bonus for each of us after $5k spend). I discovered after receiving the cards that I missed out on an extra 20k points through a referral program. If I had it to do over again I would have signed myself up, ...
by jriding
Fri Jun 16, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2631
Views: 499405

Re: What's Your Credit Card Rewards Strategy?

The Lufthansa's Miles and More Mastercard offers 35,000 bonus miles and an annual companion ticket for an $89 annual fee. https://www.lufthansa.com/online/portal/lh/us/local?nodeid=536738568 Does anyone have experience with this card and the companion ticket in particular? Seems like a great deal if...
by jriding
Tue Jun 13, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Target Date to DIY
Replies: 14
Views: 1655

Re: Target Date to DIY

An important question I think you should ask yourself is do you want to pursue the DIY investing? Investing in target retirement funds is very simple: you don't need to rebalance and you don't have to figure out your contribution allocations to maintain your asset allocation. +1. After 25 years of ...
by jriding
Thu May 18, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 15890

Re: For those with $500k-$1m in investments...

4% in taxable. Maxing out tax advantaged space (401k, 403b, HSA, Backdoor Roth IRAx2) and extra monthly mortgage payments is all we can handle.
by jriding
Wed May 17, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to get back into stocks!
Replies: 83
Views: 8115

Re: Convince me to get back into stocks!

What if the market goes up 25% before it experiences a 15% drop? That would be fine. All I want is for it to drop by 15 percent so i cam buy. Do not invest in stocks today. You clearly don't understand how they work. Do some research until you understand, then come back. :beer What specifically sho...
by jriding
Tue May 09, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of switching to Target Funds
Replies: 10
Views: 1641

Re: Thinking of switching to Target Funds

I was thinking of moving these to T Rowe Price Retirement 2040 Trust (Class A) ER .46% I assume your wife doesn't have the Fidelity Freedom Index fund option? Or the Fidelity Brokerage Link option that might open her account up to the Freedom Index funds (ER 0.15%). I recently went through a very s...