Search found 88 matches

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: 733

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: 2322
Views: 422283

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: 2053

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 Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10595

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: 2322
Views: 422283

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: 2322
Views: 422283

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: 2738

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: 301

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: 301

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: 253
Views: 44074

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: 301

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: 253
Views: 44074

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: 3993

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: 4475

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: 559

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: 9804

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: 459

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: 13
Views: 1556

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: 3261

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: 2322
Views: 422283

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: 2322
Views: 422283

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: 5694

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: 5694

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: 5694

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: 7117

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: 2322
Views: 422283

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: 2322
Views: 422283

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: 1387

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: 15004

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: 7444

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: 1537

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: 2319

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: 2319

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: 2699

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: 12225

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: 4279

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: 14153

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: 14153

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: 32850

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: 8638

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: 5327

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: 1401

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: 1401

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: 1401

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: 1401

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: 62484

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: 3246

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: 5830

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: 5577

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 ...