Search found 73 matches

by jriding
Fri Aug 18, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 57
Views: 8168

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: 378

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: 12
Views: 1066

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: 2698

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 yo...
by jriding
Mon Jul 31, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 349439

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: 2016
Views: 349439

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: 5039

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: 5039

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: 5039

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: 6032

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: 2016
Views: 349439

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: 2016
Views: 349439

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. m Does anyone have experience with this card and the companion ticket in particular? Seems like a great deal if one has family European vacation plans. One card for me. One for D...
by jriding
Tue Jun 13, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Target Date to DIY
Replies: 14
Views: 1161

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: 13732

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: 6538

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. What specifically should I ...
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: 1424

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...
by jriding
Thu Feb 23, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Maxed out retirement accounts, now what?
Replies: 14
Views: 2182

Re: Maxed out retirement accounts, now what?

If you have a high-deductible insurance plan you can use use your Health Savings Account as a defacto retirement account by paying medical expenses out of pocket and saving receipts for reimbursement during retirement. Just to clarify, is the suggestion here that one maxes out a HSA account, invest...
by jriding
Wed Feb 22, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Maxed out retirement accounts, now what?
Replies: 14
Views: 2182

Re: Maxed out retirement accounts, now what?

If you have a high-deductible insurance plan you can use use your Health Savings Account as a defacto retirement account by paying medical expenses out of pocket and saving receipts for reimbursement during retirement.
by jriding
Mon Jan 30, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2596

Re: Order of investing priority

If you have access to a Health Savings Account and you can afford to pay medical expenses out of pocket, you might consider placing the HSA 2nd on your list.
by jriding
Fri Jan 13, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 11371

Re: How much do you typically spend in a restaurant?

$30-$40 at the nicest restaurants in our MCOL town. Me and DW always share an entree. She usually adds a glass of wine and sometimes a side salad. We leave satiated and never stuffed. There's nothing worse to me then spending the rest of the evening wishing I hadn't eaten so much.
by jriding
Fri Nov 18, 2016 4:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Valuethinker has surpassed 30,000 posts
Replies: 39
Views: 4054

Re: Valuethinker has surpassed 30,000 posts

nisiprius wrote:By the way, retiredjg is up to 26,680... has he been getting his due recognition?


I was just thinking about how much I enjoy and appreciate retiredjg's posts.
by jriding
Fri Nov 11, 2016 10:38 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13577

Re: Anybody regretting holding on to your REITS?

Great explanation Kevin, thank you!
by jriding
Fri Nov 11, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13577

Re: Anybody regretting holding on to your REITS?

No regrets at all. My REIT holding is one for which have a separate rebalancing policy, and I've made quite a nice rebalancing bonus over the last few years. My last rebalance was a sale back to target allocation in July when it was 16.5% over target allocation (upper limit is +15%). It is now abou...
by jriding
Fri Oct 21, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 31455

Re: Chase Sapphire Reserve

You're better off paying through the UR portal if you want to use UR to fly Southwest. That way you get 1.5 cents per point AND earn miles on the flight. International business class redemptions are really better than transferring to Hyatt too, but I just haven't needed to do that yet. Last time I ...
by jriding
Tue Oct 04, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 8024

Re: Vitamix Worth It?

joebh wrote:It's not a necessity. It's one of a long line of appliance fads.


Kind of like my toaster oven.
by jriding
Wed Jul 06, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Initial HSA Bank/TD Ameritrade investments?
Replies: 13
Views: 4095

Re: Initial HSA Bank/TD Ameritrade investments?

When I first started I made a Vanguard ETF trade and they charged me a commission, but once I called they credited back the trade fee and helped me signup for free trades. 92Irish- Thank you so much for pointing out that TDAmeritrade requires customers to opt-in to the commission free trading progr...
by jriding
Thu Jun 16, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Social security and foreign earned income
Replies: 12
Views: 1335

Re: Social security and foreign earned income

DW works for a university and doesn’t pay social security tax. Before you get too excited about qualifying for SS benefits, you should read up on GPO & WEP (Government Pension Offset and Windfall Elimination Provision). The fact that spouse isn't paying SS on her main job means that she is prob...
by jriding
Thu Jun 16, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Social security and foreign earned income
Replies: 12
Views: 1335

Re: Social security and foreign earned income

How did you get it on Line 7 of the 1040? Turbo Tax generally computes the Line 7 number based on input of W2 forms with all the required data. Sounds like an amended return is in order although you may owe approx. 15% + interest of the "wages" in question. Of course you can also deduct a...
by jriding
Thu Jun 16, 2016 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Social security and foreign earned income
Replies: 12
Views: 1335

Re: Social security and foreign earned income

Thanks so much for your responses. It sounds like I need to submit an amended return and move the income to line 12 and schedule C. The income was about 15K, so it will definitely make a dent in her Social Security credits.
by jriding
Wed Jun 15, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social security and foreign earned income
Replies: 12
Views: 1335

Social security and foreign earned income

DW works for a university and doesn’t pay social security tax. In 2015 she earned foreign income (>$400) from an organization based in Sri Lanka. All of her work was conducted in the US. She was paid as a contractor and no taxes were withheld. We didn’t receive a 1099 and were told by US representat...
by jriding
Mon May 02, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 60126

Re: What are Costco's best deals?

Kirkland Pure Maple Syrup is about 30% cheaper then identical sized containers at Trader Joe's and grocery stores.
by jriding
Tue Apr 26, 2016 10:20 am
Forum: Personal Finance (Not Investing)
Topic: What to do with money (first world problem)
Replies: 15
Views: 3102

Re: What to do with money (first world problem)

If you have a high deductible health plan, consider using a Health Savings Account as a retirement account (fund it but don't spend it). Lot's of threads out there on how to do this.
by jriding
Fri Mar 04, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Give Your Friends Investment Advice?
Replies: 58
Views: 5485

Re: Do You Give Your Friends Investment Advice?

The most I will refer to some is the wiki here or Bernstein's "If you can". Most people my age are deeply skeptical of "Wall Street". Never mind Valley Forge, PA is over 100 miles away from Downtown Manhattan, New York, NY. The older folks at my company seem to have hair-brained...
by jriding
Thu Feb 04, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: [Am I getting a bad deal from my financial planner?]
Replies: 58
Views: 5397

Re: Am I getting screwed?

...we are going to keep the Term and Disability insurances in place for now. She also wants to keep her Roth there for now. It stresses me out knowing that but I know I'll win her over soon enough. In that case, encourage her to read some of the books recommended in the Wiki and linked above. This ...
by jriding
Fri Jan 29, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Utah Spring Break Planning
Replies: 6
Views: 597

Re: Utah Spring Break Planning

I've spent many Spring Breaks in Moab with my family. There is great primitive camping on BLM land surrounding Moab. And Arches National Park and Canyonlands won't disappoint. Moab even has an indoor pool that has a water slide. Spring Break is a great time to visit the Utah desert as temperatures a...
by jriding
Tue Nov 17, 2015 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to not use Saturna for an HSA?
Replies: 11
Views: 2285

Re: Any reason to not use Saturna for an HSA?

I use HSABank and really like their use of TDAmeritrade. HSABank is mostly free as long as you keep the required minimum balance in the cash account (otherwise they will charge a high maintenance fee). After you keep the minimum balance in cash - the rest of your HSA money can go in a TDAmeritrade ...
by jriding
Wed Nov 04, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Best decisions, biggest busts for appliances
Replies: 46
Views: 5876

Re: Kitchen Remodel - Best decisions, biggest busts for appliances

We remodeled our 1980s kitchen in 2013. Highs: -The microwave *drawer* works and looks great. We used to have a free standing microwave on the counter and this is a huge improvement. And we didn't like the look of above-counter/oven microwaves. -36 inch wide and very deep farm house style single wel...
by jriding
Tue Oct 13, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Switch to Target Retirement Funds
Replies: 8
Views: 1386

Re: Switch to Target Retirement Funds

carolyoyo wrote:I am hesitant to sell much of anything now, since I am seeing a lot of red. I hate to sell at a loss


Selling at a loss isn't necessarily a bad thing.
https://www.bogleheads.org/wiki/Tax_loss_harvesting
by jriding
Wed Oct 07, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Retired!
Replies: 44
Views: 5649

Re: Retired!

So happy for you. Your post is inspiring and a reminder to keep socking away the :moneybag .
by jriding
Mon Sep 21, 2015 5:21 pm
Forum: Personal Consumer Issues
Topic: What are your best time-savers?
Replies: 108
Views: 15456

Re: What are your best time-savers?

Delegate daily chores to the kids. The chore chart is mostly my wife's doing, but I gained ~30 minutes/day on average when she built up a daily chore chart for the kids (9 and 13). I no longer: Mow the lawn Clean-up after dinner (I do most of the cooking though) Empty the dishwasher Clean the litter...
by jriding
Tue Sep 08, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Cost of piano lessons
Replies: 44
Views: 6384

Re: Cost of piano lessons

We're paying $40 per hour divided between two kids (13 and 9). They attend the lesson once per week.
by jriding
Thu Sep 03, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

Re: A good problem to have

Monk wrote:
6. Buy more bikes?


Throw out all the good advice you've already received - CLEARLY this is the right answer. :twisted:


:sharebeer
by jriding
Thu Sep 03, 2015 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

Re: A good problem to have

Thanks for the thoughtful response random guy. a) 529: 93k will probably pay for 5 or 6 years at your state school (lots of assumptions there on market growth versus tuition growth). If you figure you want to pay some of the tuitition in cash to get the AOTC tax credit, you are pretty much fully fun...
by jriding
Thu Sep 03, 2015 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

Re: A good problem to have

Does your employer allow after-tax 401k contributions? Those can be handy for mega backdoor Roth's. Tom Yes, good point, hadn't thought of this as a way of building an after-tax account. I like the idea of direct deposits from pay check to after-tax account. My employer allows after-tax contributio...
by jriding
Thu Sep 03, 2015 11:31 am
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

Re: A good problem to have

HSA accounts are unique: untaxed when funded and never taxed thereafter. Some refer to these accounts as stealth Roth accounts. Why not fully fund these annually and use your excess cash to pay for the medical expenses? Most custodians allow you to choose how the funds are invested (after meeting s...
by jriding
Thu Sep 03, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

Re: A good problem to have

Curious why people are suggesting taxable investing ...? Because it worked very nicely for me. I appreciate your suggestion to consider taxable over the 457 and 529 options. itstoomuch makes some good points as to why taxable might be the best option. Since I began reading the BH Wiki and Forums se...
by jriding
Thu Sep 03, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

Re: A good problem to have

Bump.
by jriding
Wed Sep 02, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: A good problem to have
Replies: 23
Views: 2172

A good problem to have

DW and I have a lot of tax advantaged space available. I think we've done a descent job of filling the low hanging fruit. I now find myself deciding between investment categories that aren't so straight forward. In summary: What we're maxing out each year: His 401(k) His Roth IRA (backdoor) Her 401(...
by jriding
Mon Aug 17, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Colorado Circle Tour
Replies: 28
Views: 2678

Re: Colorado Circle Tour

That's quite an ambitious itinerary. While you have picked some nice destinations I think you have built in way too much driving, especially with kids. It appears that a number of your stops include lots of driving after seeing sites (right when fatigue sets in). Personally I would eliminate about ...