Search found 10 matches

by mstone3
Thu Nov 30, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 969

Chase Freedom Rental Car Insurance

My Chase Freedom card offers rental car insurance (Collision Damage Waiver/CDW) as secondary coverage in the event of damage/theft to the rental vehicle. I will be renting a car for the upcoming holidays and while I am a licensed driver, I don't own a car and therefore don't have an auto insurance p...
by mstone3
Tue Nov 14, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2423

Re: Verizon Wireless - Asking for a lower rate

Thanks all very much for your replies and suggestions - I did call Verizon and switched to the 5gb/unlimited talk and text as a few folks pointed out. With the employer discount, I'll be going down from $70 per month to about $45 - not too shabby!
by mstone3
Mon Nov 13, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2423

Verizon Wireless - Asking for a lower rate

I've been with Verizon Wireless for around 15 years and want to stay with them for their good service and quality of network/coverage, however like everyone I'd like a lower monthly bill. I currently pay around $70 for unlimited talk/text plus 2gb data. Has anyone successfully called Verizon and ask...
by mstone3
Fri Aug 11, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1643

Re: Career Decision - HCOL area vs. LCOL area

Thank you for the replies so far - just to add some clarifying information: I'm still what I would consider the early part of my career (age 34 / Single). I did forget to mention that because of the locality pay adjustments, the move to the LCOL area would reduce my total pay by about 7%, however th...
by mstone3
Fri Aug 11, 2017 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1643

Career Decision - HCOL area vs. LCOL area

I work for a federal government headquarters office in the DC area. I'm often troubled by the high cost of living in the DC metro area (not to mention traffic/commuting) and have often considered leaving for a low cost of living area. In bringing the issue up casually with my supervisor, I learned t...
by mstone3
Sun Mar 26, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 8759

Re: Massive Student Loan Debt - Girlfriend

Thanks all for the responses - just to add some more details... She is about 7 years away from meeting the 10 year service obligation, so a long way to go. Aside from the debt, she is extremely responsible financially - very frugal, very careful budgeting, not reckless in any way. A good article reg...
by mstone3
Sun Mar 26, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Girlfriend
Replies: 86
Views: 8759

Massive Student Loan Debt - Girlfriend

I've been dating a wonderful speech-language pathologist for about 8 months. I recently learned that she took out a massive amount of student loan debt (175k+) to pay for her graduate program. Her salary in a public school system is around 55k per year. I was a bit shocked to learn how much she took...
by mstone3
Mon Mar 20, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Back to School
Replies: 7
Views: 706

Back to School

Hello, I am contemplating going back to school to pursue a PhD as an extension of my masters degree in the area of program evaluation and statistics. The purpose is for career advancement to serve in expert/leadership roles and potentially to teach part-time at a college/university. I have set some ...
by mstone3
Thu Feb 09, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Lineup for 50/50 Taxable Account
Replies: 6
Views: 639

Fund Lineup for 50/50 Taxable Account

Hello - would appreciate the Boglehead wisdom: Thoughts/initial impressions on the fund lineup below for a 50/50 non-retirement account (25% tax-bracket). I realize off the bat that the Health Care and REIT are tax-inefficient, but I'm interested in having added exposure to those areas beyond the to...
by mstone3
Thu Sep 22, 2016 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio 'hit' when rates rise...
Replies: 5
Views: 855

Portfolio 'hit' when rates rise...

Hello, Long time lurker, first time poster. My portfolio contains 10% in the Vanguard REIT sector fund, 30% in the Vanguard Total Bond Market index fund, and 20% in the Vanguard Short-Term Investment Grade Bond fund. Once the Fed finally raises interest rates, are there any ways to get an idea of ho...