Search found 641 matches

by sharpjm
Tue Oct 03, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1544
Views: 273405

Re: What are you up YTD? [Year To Date]

13% @ 70/30
by sharpjm
Sun Oct 01, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

CSR- daily card. can't beat it for mileage accumulation. got the 100k signup bonus last year and found business award savers to europe this summer on United for 56k each leg. Regular price for the ticket was around $8k. I love that the yearly travel bonus is automatic. Amex Platinum- Centurion acce...
by sharpjm
Thu Sep 28, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: VG using outsourcing to call me & I'm not happy
Replies: 76
Views: 7100

Re: VG using outsourcing to call me & I'm not happy

This was almost certainly phishing (or whatever the phone version is called).

Its quite easy to fake a phone number. How the scammer knew about your Vanguard accounts is probably the most disturbing part.
by sharpjm
Thu Sep 21, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Vanguard Debunks Dividend Myth
Replies: 112
Views: 11914

Re: Larry Swedroe: Vanguard Debunks Dividend Myth

I just want to say kudos to those in this thread who have persisted in trying to explain the dividend paying fallacy that many seem to believe. I explicitly stated that all things being equal, current U.S. law favors returning capital to shareholders in the form of capital accumulation instead of di...
by sharpjm
Thu Sep 21, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 3894

Re: Oil - Price & Supply/Demand Conundrum

Since the Harvey highs gas prices dropped some 30 cents in general and by as much as 50 cents on some corners. (And we also have low gas taxes. :D ) It's the same in Cincinnati. It jumped after Harvey, but we are back to--and in some cases below--pre-Harvey prices. My neighborhood stations are $2.2...
by sharpjm
Wed Sep 20, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 3894

Re: Oil - Price & Supply/Demand Conundrum

I did buy (refined) oil yesterday which is down sharply in the recent few weeks. About a 1/2 barrel at $92 a barrel. Where are you located? US gas prices have not dropped sharply in the past few weeks. In fact, quite the opposite due to refinery issues related to Harvey. http://www.gasbuddy.com/Cha...
by sharpjm
Wed Sep 20, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 3894

Re: Oil - Price & Supply/Demand Conundrum

Doc wrote:
Wed Sep 20, 2017 9:18 am
To be profitable in the US the price of crude needs to be above about $50 a barrel.
That simply isn't true. Current oil prices are at inflation adjusted norms. The only new variable is fracking, which has a cost that is being reduced every year by newer, better, more efficient techniques.
by sharpjm
Tue Sep 19, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: New BOA Premium Rewards Card
Replies: 29
Views: 1745

Re: New BOA Premium Rewards Card

Look at the "Earn more cash back as a Preferred Rewards client" portion of the first link. I believe the sign-up bonus for the Travel Rewards card also works this way. The sign up bonus will not be affected by any preferred rewards status. You will get 50k points regardless. Only the points earned ...
by sharpjm
Wed Aug 30, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 155
Views: 24976

Re: The Wall Street Journal to close Google loophole entirely

4th and Inches wrote:
Wed Aug 30, 2017 9:58 am
It appears that the Facebook loophole has been closed. Is this the case for anybody else?
Yes, facebook loop is closed for me from multiple IPs :(

I noticed it 2-3 days ago.
by sharpjm
Tue Aug 29, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1879

Re: ICE, hybrid, Phev, electric for short trips

There are some plug in hybrids that have a range of something like 50 miles without needing to run the ICE. Those are designed for short commutes like you describe.

Both normal hybrids and ICE vehicles are quite bad at the scenario you describe.
by sharpjm
Wed Aug 23, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

The main difference between Personal and Business Plats is that the Business Plat is $450 AF and doesn't include the monthly Uber credits. It also does not get 5x on airlines and amextravel. However, it has a unique perk that allows for 35% of your points back when redeemed for flights on your chos...
by sharpjm
Wed Aug 23, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. I got an invitation to apply for the Amex Business Platinum Card. I can't really grasp how attractive the card would be, though on the face of things it looks good: 100k with $5,...
by sharpjm
Wed Aug 23, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. One other interesting thing you can do - add authorized gold card users at no cost (up to 99 users) - the gold card users can all get a GE/Precheck reimbursement. So its a great ...
by sharpjm
Wed Aug 23, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Most would recommend applying for the 100k Amex Plat offer rather than the 60k offer, but that offer can be hard to get. One other interesting thing you can do - add authorized gold card users at no cost (up to 99 users) - the gold card users can all get a GE/Precheck reimbursement. So its a great w...
by sharpjm
Tue Aug 22, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16057

Re: Jobs that pay over $100,000

"Average intelligence is not sufficient to become an engineer." Only takes 1 to disprove this. I have been tested and have average IQ. I am an engineer. No, that is called an outlier. Did you take statistics to get your engineering degree? :P I agree with other in that your view is extremely skewed...
by sharpjm
Tue Aug 15, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8610

Re: Is $9000 too much for a sectional sofa ?

I like to go by the net worth / 500 rule for sofas. So if your NW is => 4.5mil, then no $9k is just right.
by sharpjm
Mon Aug 14, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: advice for new hi-income house hunters, south Texas
Replies: 9
Views: 941

Re: advice for new hi-income house hunters, south Texas

I'm sure other cities are no different, but there are drastically different home values depending on what part of the city you are looking. And there are currently some parts of the city where home prices are extremely inflated because landlords have sucked up all of the 3/2 homes to rent out. The m...
by sharpjm
Thu Aug 03, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: Best "investment tip" I have gotten from Bogleheads
Replies: 47
Views: 7265

Re: Best "investment tip" I have gotten from Bogleheads

I have 2 questions for folks who own one: 1) Aren't there cheaper alternatives to this product? I believe $50 7-in-1 devices exist with the exact same program options. 2) How often do you use all the different versions of the product? To me, it seems like almost all the recipes mentioned could just ...
by sharpjm
Tue Jul 25, 2017 11:21 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5826

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I have a 2014 Accord LX and the seat is mildly uncomfortable. Less comfortable than my 2001 Civic was. I am 28 years old, fit and have no preexisting back problems. In my case, it's the lack of lumbar support in the LX model, which I knew when I was buying the car. A lumbar pillow solves the proble...
by sharpjm
Tue Jul 25, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5826

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I have a 2014 Accord LX and the seat is mildly uncomfortable. Less comfortable than my 2001 Civic was. I am 28 years old, fit and have no preexisting back problems. In my case, it's the lack of lumbar support in the LX model, which I knew when I was buying the car. A lumbar pillow solves the proble...
by sharpjm
Tue Jul 25, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5826

Re: "10 Savvy Ways You Can Spot Fake Reviews"

Bogleheads: First time Boglehead posters bashing a non-financial product may be real but good investors are skeptical. This article will help spot impostors: 10 Savvy Ways You Can Spot Fake Reviews Best wishes. Taylor +1. The original post reads (to me) as very overly dramatic and has so many clich...
by sharpjm
Tue Jul 25, 2017 10:05 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5826

Re: "10 Savvy Ways You Can Spot Fake Reviews"

Bogleheads: First time Boglehead posters bashing a non-financial product may be real but good investors are skeptical. This article will help spot impostors: 10 Savvy Ways You Can Spot Fake Reviews Best wishes. Taylor +1. The original post reads (to me) as very overly dramatic and has so many clich...
by sharpjm
Tue Jul 25, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 5826

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

Suggest visiting a chiropractor... or simply using one of the many adjustable seat functions to fix your problem.
by sharpjm
Tue Jul 25, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15809

Re: Capital One $400 bonus for new checking account

gvsucavie03 wrote:
Nthomas wrote:For those who used Schwab - was it the brokerage or checking account you transferred from?
Brokerage
Same here. Schwab is really good about coding as direct deposit with many banks' checking accounts.
by sharpjm
Mon Jul 24, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10722

Re: Is Amazon Prime worth it?

I don't have any argument against the folks who value prime video and other services as part of prime. Personally I think they are not worth anything, but to each their own. What I take issue with is people saying they get value out of free shipping... how many sub $25 orders are you placing each y...
by sharpjm
Mon Jul 24, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10722

Re: Is Amazon Prime worth it?

I don't have any argument against the folks who value prime video and other services as part of prime. Personally I think they are not worth anything, but to each their own. What I take issue with is people saying they get value out of free shipping... how many sub $25 orders are you placing each ye...
by sharpjm
Mon Jul 24, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14842

Re: Are you finding any good values at Amazon anymore?

No mention of the egregious increase of your human footprint with all that packaging for each and every order? The gas I save more than makes up for the oil that gets turned into polyethylene for the air-filled bags. And, the cardboard is all recyclable. Not to mention the fact that making the stuf...
by sharpjm
Fri Jul 21, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: simplicity vs chasing bonuses
Replies: 29
Views: 2624

Re: simplicity vs chasing bonuses

Do you not use a spreadsheet to keep track of everything? Put everything into a spreadsheet and update it once a week. If you are getting this stressed while already utilizing a simple method to track everything then yea I guess you should stop. I do it because I think it is fun and interesting. The...
by sharpjm
Fri Jul 21, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

CodeMaster wrote:ya 2% fees wont work... are you able to get the money back with the gift of college somehow or do you have to use it on college? im not a fan of college since i dropped out
No, unfortunately the GoC method has to go student loans or 529. I'm not aware of any way to cash out of 529 without penalty.
by sharpjm
Fri Jul 21, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Thanks! Thats freaking genius lol Is there anything else we can buy like that to max out rewards? I recalled long time ago people would max out by buying ibonds but now they charge a fee to purchase via credit card so thats over... just wondering if there was any other ways to get more rewards ? :s...
by sharpjm
Fri Jul 21, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14842

Re: Are you finding any good values at Amazon anymore?

Take with grain of salt, but it is true that prime day deals mostly suck. You have to look really hard to get a good deal or be online at just the right time before a good deal sells out.

https://www.reddit.com/r/personalfinanc ... h=de02e3f8
by sharpjm
Fri Jul 21, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Hotel Credit Card
Replies: 19
Views: 1447

Re: Hotel Credit Card

Look at the cities you want to visit and find out what hotels you would want to stay at. Find the common denominator and go with that rewards program. Virtually every hotel rewards card will be a good value to you if you dedicate all stays to that hotel chain. Many cards will give you a free nights ...
by sharpjm
Fri Jul 21, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Im sorry if someone already asked this, but I was read your post about how you use these cards to purchase gift cards to use. Thats a great idea but was wondering doesnt the GC charge additional few percentage on top evening it out? It depends on what type of gift cards you're purchasing. If you're...
by sharpjm
Fri Jul 21, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Turned 44...performance against forecast
Replies: 23
Views: 2589

Re: Turned 44...performance against forecast

- at 30, our net was 249k - I was assuming an 8% portfolio return - I forecast a net of 1.2 million at 44 - I forecast a net of 2.9 million at 54 Congrats on the achievement. It seems early retirement is an option for you. May I ask if you exceeded the forecast due to higher contributions or better...
by sharpjm
Thu Jul 20, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Battery Life - 2008 Toyota Hybrid Camry
Replies: 39
Views: 5120

Re: Battery Life - 2008 Toyota Hybrid Camry

With mostly highway the mileage on the non-hybrid mileage increases and you come out ahead without the hybrid. (I know - not about savings - you are saving the environment). Hah! Google "lithium mines" and let's talk about "saving the environment"... Every technology has its cost. While you are obs...
by sharpjm
Wed Jul 19, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15809

Re: Capital One $400 bonus for new checking account

Opened on 6/19. $250 from Ally and $250 from my employer DD 6/30. No Bonus Additional DD of $250 from employer on 7/14. No Bonus. I never did activate my debit card. I'm debating sending them a vague message asking. I would wait it out. Some have had to wait up to 10 business days to receive bonus.
by sharpjm
Wed Jul 19, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15809

Re: Capital One $400 bonus for new checking account

This was a strange one for me. I opened this account with the promo code for me and my wife on 6/28 (not targeted; we are in CA). On 7/6, I made two $251 transfers to both accounts from my Ally account. On 7/9, I made two $251 transfer to both accounts from my CU account $400 was posted to my accou...
by sharpjm
Wed Jul 19, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

I am hoping someone here can provide some advise on this: My wife and I (with an infant) want to fly to DC during thanksgiving (targeting 11/21 to 11/25 plus/minus one day). Our credit score is around 780. We both have Chase Freedom, Chase Amazon, Chase IHG, Capital One Quicksilver, and Citi Double...
by sharpjm
Wed Jul 19, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1544
Views: 273405

Re: What are you up YTD? [Year To Date]

10.4% YTD

70% stocks
18% bonds
12% TREA
by sharpjm
Mon Jul 17, 2017 6:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Final Thoughs -- Going to be getting the Discover card for rotating categories to get that extra 5%. Considering the Citi Double Cash to replace my Quicksilver for the extra .5% That makes sense, but keep Quicksilver. That is both for credit rating (oldest card), but also because I believe it would...
by sharpjm
Sun Jul 16, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 119
Views: 10921

Re: Vanguard 403b Changes

Because your points 4, 5, and 6 are incorrect...Don't make blanket statements about TIAA when your employer is at fault. This'll be my last reply to you because you're being intentionally dense. 1. All of the points I made are accurate. 2. All of my statements have come from the OCPS (FL) perspecti...
by sharpjm
Sun Jul 16, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 119
Views: 10921

Re: Vanguard 403b Changes

4. The TIAA page itself begins with the text "We didn't choose TIAA because you can build the same wonderful portfolio with less expensive vendors." 5. Adding better funds won't help. If you read the page you'd know we have access to Vanguard's 500, extended market, developed markets, and total bon...
by sharpjm
Sun Jul 16, 2017 7:13 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 119
Views: 10921

Re: Vanguard 403b Changes

I wrote about TIAA at https://educatorsfightingforfairness.wordpress.com/inferior-ocps-403b-457b-plans/tiaa/ , they charge you 0.63% to build a 3 Fund Portfolio using Vanguard funds. It is even more expensive to build a 1 Fund Portfolio. Do you really want to make that trade? I certainly don't. Any...
by sharpjm
Sat Jul 15, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

For an all around cashback card you're better off with the Alliant Visa Signature card than a 2% cashback card if you spend more than $11,800 a year. It's 3% cashback on all purchases the first year and 2.5% after that. There is a $59 annual fee, but it's waived the first year. +1 very under-rated ...
by sharpjm
Tue Jul 11, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: AA Re-balance via selling Covered Calls
Replies: 1
Views: 202

AA Re-balance via selling Covered Calls

Has anyone considered this concept? I think the main requirement is that one must use very liquid ETFs with good option volume in order to make it work. Example: If the market is doing well, I am 85/15 and want to get back down to 80/20, what if I sell covered calls that would be covered by equities...
by sharpjm
Tue Jul 11, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Really disappointed I missed out on another $200+ and the CP from just the signup bonus though. Can't hurt to send a secure message to Chase asking to be matched to the 60K offer. I guess it couldn't hurt but I can't see them matching an offer that expired June 30th. Anyone ever have success gettin...
by sharpjm
Tue Jul 11, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 395537

Re: What's Your Credit Card Rewards Strategy?

Really disappointed I missed out on another $200+ and the CP from just the signup bonus though. Can't hurt to send a secure message to Chase asking to be matched to the 60K offer. I guess it couldn't hurt but I can't see them matching an offer that expired June 30th. Anyone ever have success gettin...
by sharpjm
Thu Jul 06, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 3183

Re: Do you keep a balance in your settlement fund?

I have $21 in my Roth IRA settlement fund from ETF dividends. It stays at or below $150 at all times. My main retirement account is 100% mutual funds so 0 in settlement fund.
by sharpjm
Thu Jul 06, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14842

Re: Are you finding any good values at Amazon anymore?

I do not shop at Walmart for personal reasons and love my experience with Amazon. I truly believe they are making all other retailers figure out how to give the consumer a better experience as most can't compete with them on price. Couldn't. The word you are looking for is couldn't because this is ...
by sharpjm
Thu Jul 06, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14842

Re: Are you finding any good values at Amazon anymore?

Yes, amazon has been moving in this direction for years now. Pretty much ever since the cost of prime was increased. I rarely shop there anymore because there are so many add-on and prime-only items. I will say that there are always so many amazon promos that I rarely pay the full amazon 'sticker' p...