Search found 292 matches

by slbnoob
Mon Feb 01, 2016 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Oh man, same happened to me. (Re)setting up the 500 ACH push!
by slbnoob
Thu Jan 21, 2016 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Advice Appreciated on Career Move: Science to Data Science (Is the Grass Greener on the other side?)
Replies: 25
Views: 2140

Re: Advice Appreciated on Career Move: Science to Data Science (Is the Grass Greener on the other side?)

I will add, from a hiring perspective, my opinion is to omit Coursera. Especially at the PhD level, this only highlights your inexperience. Instead, go out of your way to analyze data in an interesting way, contribute to an open source project, compete on Kaggle or the Netflix prize, etc. I want to...
by slbnoob
Wed Jan 20, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 85
Views: 9906

Re: What to do with VGPMX (Vanguard Precious Metals and Mining)?

I've tried searching for ETF's that track the same benchmark as VGPMX, but I haven't found any. An equivalent ETF would allow me to monitor the performance of this sector in real time. From other posts around here, I've learned to use XME and PICK. Note that those 2 and VGPMX are not equivalent, bu...
by slbnoob
Wed Jan 20, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice Appreciated on Career Move: Science to Data Science (Is the Grass Greener on the other side?)
Replies: 25
Views: 2140

Re: Advice Appreciated on Career Move: Science to Data Science (Is the Grass Greener on the other side?)

Very well analyzed and articulated. I am in a very similar boat as you and am impatient for tides to raise me as well :) My push factors are 1) the industry and 2) the difficulty in achieving visiblity in a big organization by the random nature of high profile projects coming your way or working und...
by slbnoob
Sun Jan 17, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Any idea when Mango and Netspend send out the tax forms? I couldn't even find them on their websites. You could just use YTD interest paid on your Q4 (NetSpend) or December (Mango) statements... Actually that's what I was trying to use. Mango's savings doesn't even have a consolidated YTD statement...
by slbnoob
Sun Jan 17, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Any idea when Mango and Netspend send out the tax forms? I couldn't even find them on their websites.
by slbnoob
Wed Jan 13, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Insurance
Replies: 37
Views: 4936

Re: Amica Insurance

I got a quote from Amica for 20 yr term life. It is ~$40 more than the cheapest A+ provider on term4sale. I currently have home insurance with Amica. However there are no discounts on home insurance with multi-line insurance, only auto. In this case, is there a good reason for me to stick with Amica...
by slbnoob
Fri Jan 08, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 95
Views: 6191

Re: Netflix, Your Current Favorite Show

Does anyone know of a good resource which can let me find good/highly rated shows on Netflix from all over the world? I am missing many good shows in the US which are probably available elsewhere. I could then watch those with a proxy.
by slbnoob
Fri Jan 08, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 28
Views: 1851

Re: 4 Days in Iceland - May 2016

Rainier wrote:I think I want to stay along the south coast (maybe as far inland as Gulfoss) and as far east as Jolkulsarlon.

Although, in terms of waterfalls I am more interested in Skogafoss than Gulfoss.

That's exactly what I'm suggesting in my itinerary.
by slbnoob
Fri Jan 08, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23446

Re: Credit Card Rewards (Travel)

Wretched Friday as someone over at FT would like to call it for MS!
by slbnoob
Fri Jan 08, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 28
Views: 1851

Re: 4 Days in Iceland - May 2016

Here's what I would do: Thu: Since you're coming in late at night, grab the rental car (recommend Sixt) and stay closeby for the night (Recommend Stapakot Bed & Breakfast). Fri: Drive to Reykjavik and spend the day there. Try to find a place to park the car (perhaps behind Hallgrímskirkja or aro...
by slbnoob
Sat Jan 02, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Another data point to confirm that a mere $5 (instead of $500) ACH push works to get the usual 6% interest for the month.
by slbnoob
Wed Dec 30, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2015 tax software 50% off
Replies: 16
Views: 1940

Re: H&R Block 2015 tax software 50% off

Just got this deal for H&R Deluxe + State and eFile for $15 plus tax here: https://slickdeals.net/f/8409413-h-r-block-deluxe-10-w-state-15-or-premium-w-state-25?src=SiteSearchV2 Don't know how long it would last. I just got that. That link goes to a the Mac version of it. In the thread below it...
by slbnoob
Tue Dec 29, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Anyone else get the email from NetSpend regarding changes to the DD requirements? From what I read from the PDF on my phone, it seems folks who are already on some "fee plan" wouldn't have to bother with increasing/changing their DD requirements. At the time, I took that to mean I'm includ...
by slbnoob
Mon Dec 21, 2015 2:41 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvest - Waiting instead of replacing
Replies: 15
Views: 1024

Re: Tax Loss Harvest - Waiting instead of replacing

I am actually considering doing something like this. However my wait would be only for the new year when I can buy in the Roth IRA. My risk is limited to a small amount and big up swings in the remaining 10 odd days of trading. However, I will be TLH-ing a relatively volatile sector fund. I don't q...
by slbnoob
Mon Dec 21, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvest - Waiting instead of replacing
Replies: 15
Views: 1024

Re: Tax Loss Harvest - Waiting instead of replacing

I am actually considering doing something like this. However my wait would be only for the new year when I can buy in the Roth IRA. My risk is limited to a small amount and big up swings in the remaining 10 odd days of trading. However, I will be TLH-ing a relatively volatile sector fund.
by slbnoob
Mon Dec 21, 2015 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to get credit card rewards on kids allowance?
Replies: 9
Views: 755

Re: Any way to get credit card rewards on kids allowance?

I was thinking about a pre-paid Visa/Mastercard that I could "charge up", preferably on a completely automated schedule using a credit card. Honestly he's still not a good candidate for a credit card and I'd rather not have my name attached to any of his cards - credit or debit. I think y...
by slbnoob
Sun Dec 20, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 99
Views: 7560

Re: Next credit card for a bonus?

Victoria - you could get the AMEX Premier Rewards Gold Card. There is a 50K points for $1,000 spend offer out there ($195 AF waived first year). See FlyerTalk for trick to access - paste address in new window/icognito mode. These 50K points can be used to book travel thru AMEX or can be transferred...
by slbnoob
Wed Dec 16, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: I would like to play the Boglehead car game too
Replies: 163
Views: 9567

Re: I would like to play the Boglehead car game too

Maverick3320 wrote:
NaOH wrote:F-150 Platinum.
Nothing says you've won at life like a $60k truck.


Apparently half the people in Wisconsin have won at life...


and in Texas. I must be a loser around here ...
by slbnoob
Mon Dec 14, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

1. Did I miss any requirements to earn 6%? No 2. Can I initiate ACH pulls from the Mango prepaid card to withdraw money from the prepaid card (after moving it from the linked savings account) from a linked external bank (just like Netspend)? Yes 3. How long does it take for money to go from the lin...
by slbnoob
Thu Dec 03, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card
Replies: 20
Views: 1885

Re: Penfed 5% gas cash back card

Not sure about Penfed. I wanted to mention that in my area it is cheaper to fill up at a Costco or FredMeyer (Kroger) than at a regular gas station where the 5% gas cash back offers are accepted. Prices in my area: Costco is 2.08, Fred Meyer is 2.11, Chevron 2.39, Shell 2.39, Chevron 2.49 FredMeyer...
by slbnoob
Tue Nov 03, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum $450/yr annual fee but 100,000 points
Replies: 53
Views: 7402

Re: Amex Platinum $450/yr annual fee but 100,000 points

For example, I can get about 0.6 to 0.8 cents per point because of the options I can use with Membership Rewards. I can get much better per point with Ultimate Rewards and that's why I have the CSP and I don't have any MR cards. However, I live in a United fortress hub city so I'm always traveling ...
by slbnoob
Sun Nov 01, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: HR Certification
Replies: 1
Views: 260

HR Certification

My SO got into the HR field relatively recently without any explicit HR background. Now when I look at job postings to move up the ladder, they seem to require HR certifications (PHR/SPHR). Apart from the information gleaned from general searching, I wanted to ask the advice on this forum as to how ...
by slbnoob
Mon Oct 26, 2015 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Goal mindset when seeing ceiling in career
Replies: 29
Views: 2141

Re: Goal mindset when seeing ceiling in career

I've capped out, too, as a software developer. I'm studying data science in my spare time, as i was thinking about moving into an analytics role. Not to make more money, but to find something more intellectually stimulating than my current line of work. I'm only a little older than you (38). Hopefu...
by slbnoob
Mon Oct 26, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Goal mindset when seeing ceiling in career
Replies: 29
Views: 2141

Re: Goal mindset when seeing ceiling in career

Excuse me for trying to hijack this thread. I feel there should be almost a mentoring sub-group/forum here. Given the demographics of the people who contribute regularly to this forum (well experienced, retired/close to retired, some HCOs, "top of the management pyramid"), there is a lot o...
by slbnoob
Mon Oct 12, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: EGO cordless mower, blower, trimmer
Replies: 6
Views: 588

Re: EGO cordless mower, blower, trimmer

Crimsontide wrote:
slbnoob wrote:I'm in TX and I use a 36V Black & Decker self-propeling mower for around 40 sq ft. of yard.



40 sq ft of yard???

Thanks for noticing. Corrected. Wanted to write 4k.
by slbnoob
Mon Oct 12, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: EGO cordless mower, blower, trimmer
Replies: 6
Views: 588

Re: EGO cordless mower, blower, trimmer

I'm in TX and I use a 36V Black & Decker self-propeling mower for around 4k sq ft. of yard. Admittedly I don't use the self-propeling feature much. It gets the job done on the thick St. Augustine's grass around here. The only times it failed on me while I'm mowing is the couple of occasions I ha...
by slbnoob
Sat Oct 10, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: Thinking of quitting job for a year of travel
Replies: 59
Views: 4851

Re: Thinking of quitting job for a year of travel

Do it absolutely.
Also check if your employer allows an option to take a Leave of Absence, basically unpaid vacation for a year. Employers allow it for going back to school etc. This way you can return back to your job whether you want it or not.
by slbnoob
Fri Oct 09, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: New investors: how did your first correction go?
Replies: 100
Views: 7208

Re: New investors: how did your first correction go?

I was on vacation mid August to mid September. Missed the 'correction' else I would have 'rebalanced'. I did try to but the internet connection at most places wasn't great and I was well, traveling and tired most evenings :)
by slbnoob
Thu Oct 01, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Hmmm. This morning I received a text saying "Mango Cardholder A transfer out decline of $0.00 ." I thought if we signed up for the new VISA that we didn't have to change any of the routing info at our banks. I'm confused. I tried calling Mango, but was put on hold for ~20 mins so I gave u...
by slbnoob
Thu Oct 01, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Employee stock purchase plan help
Replies: 7
Views: 502

Re: Employee stock purchase plan help

sofla_diyer wrote:Wouldn't selling it immediately incur a short term gain?

Yes. But why do you want to forego free money (15% discount) to avoid paying more taxes (xx.x% on the gains).

Also the push (over a limit) to the higher tax bracket only applies to the amount over the limit, not to your whole income.
by slbnoob
Thu Oct 01, 2015 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Inexplicably I seem to have gotten interest for September even when I didn't push anything to it. And in fact I waited till a couple of days ago to convert it to MC to VISA. However this whole transition thing ($2500 ACH out limit from old VISA) got my external account (Ally) frozen. I'd read about ...
by slbnoob
Wed Sep 23, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 44
Views: 9578

Re: Too good to be true? vgenx or vgpmx

I didn't know about PICK. Thanks for that. Basically, I'm looking for a TLH partner for VGPMX. PICK does seem to be correlate with XME (hence loosely with VGPMX). I'm not making any strategic move at this time. Just looking to maintain my allocation to something similar to VGPMX. I plan to move back...
by slbnoob
Wed Sep 23, 2015 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 44
Views: 9578

Re: Too good to be true? vgenx or vgpmx

Considering TLH'ing VGPMX today and buying XME (SPDR S&P Metals & Mining ETF). Any suggestions? This will be my first TLH.
by slbnoob
Fri Sep 18, 2015 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

6% on 5k... $300 a year before taxes and mango fees minus 1% of those 6% loss from online bank account minus 3% to 5% of those 6% from buying amazon gift cards without using a cash back credit card or minus 2% to 6.25% of those 6% from buying stuff with your mango card instead of using a cash back ...
by slbnoob
Thu Sep 17, 2015 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

So it seems like the only casualty of the MC->VISA change is the higher DD requirement of $500 each month.
by slbnoob
Mon Aug 17, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

AN update from this FW thread. Someone confirms with Mango CSR that no transfers from Mango to external account except ATM!
NetSpend, here I come!
by slbnoob
Sun Aug 16, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 62
Views: 8658

Re: 8 hour layover in Honolulu. How to use time.

Do have a one or two "memorable" experiences: • Go to the top of Diamond Head and see one of the most stunning views in the world • Go to Waimea bay and snorkel • If you're a foodie, go to chinatown and eat authentic or go to one of the fusion joints like Roy's or Sam Choy's. • By all mea...
by slbnoob
Fri Aug 14, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: 8 hour layover in Honolulu. How to use time.
Replies: 62
Views: 8658

Re: 8 hour layover in Honolulu. How to use time.

Reviving an old thread for suggestions. On a Wednesday, landing in HNL at 1 PM. Pacific flight west at 11:30 PM. I am open to renting a car if it makes sense. Not traveling with much luggage, only a backpack each (2 of us). Don't want to get sun burnt in Waikiki beach or stay cooped up indoors. What...
by slbnoob
Fri Aug 14, 2015 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

The routing number and account number from the Mastercard to the Visa are identical. There is no change. The physical mail that the card came in has the routing and account number in it, and it is the same as before. Form my reading, this seems confirmed. At least seems to be Mango's intentions for...
by slbnoob
Fri Aug 14, 2015 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Yes. I used the same routing number and account number, the ones shown online as in Visa login. Not sure what docs you referred to for visa card. The card number is different, but I did not find any mention on routing and account number in the hardcopy received with the card. The hardcopy on which ...
by slbnoob
Thu Aug 13, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

Wow guys! Is that right? No more ACH pulls from mango? Well then, I will also have to close it out I guess. I still haven't 'enrolled' in the new one. Will wait a few more days until this can be confirmed. EDIT: Did soem searching and at least from one Chinese language forum, found similar example. ...
by slbnoob
Thu Aug 13, 2015 1:25 pm
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 37
Views: 10405

Re: Robinhood has Zero-Commissions - are you buying stock?

I just got an invite for their Android app. I had signed up to be in the waiting list a long time ago. This was after I had downloaded their Apple app but never used it. I 'may' do some insignificant money trading now :P
by slbnoob
Tue Aug 11, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 436
Views: 259203

Re: Mango prepaid card - 4.8% (effective) APY

One thing still confuses me is the login. Thankfully now, they've added a new link at the top of their my.mangomoney.com page which lets us 'old' Mastercard account holders access our account. However when I go there, I see no link to activate my new VISA debit card. So for the VISA debit card, do w...
by slbnoob
Fri Aug 07, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Comcast Offers-whats the catch?
Replies: 26
Views: 2653

Re: Comcast Offers-whats the catch?

+1 to the above.
Do it every year since the price change happens automatically.

Or, you could also actually cancel and set the service up again in a family member's name at a promotional rate. Not the most ethical but I'm not losing sleep over depriving Comcast some of my money.
by slbnoob
Wed Jul 29, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23446

Re: Credit Card Rewards (Travel)

I am going to book another flight before I cancel the card. One of my questions remains: If I book a domestic reward flight that does not have taxes, how will the Citi card know about it in order to reimburse me? I have done this before. Citi (or Barclays in my case) does not have to know about the...
by slbnoob
Wed Jul 29, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 266
Views: 23446

Re: Credit Card Rewards (Travel)

I am going to book another flight before I cancel the card. One of my questions remains: If I book a domestic reward flight that does not have taxes, how will the Citi card know about it in order to reimburse me? I have done this before. Citi (or Barclays in my case) does not have to know about the...
by slbnoob
Wed Jul 29, 2015 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cash down + Refi vs Pay down Debts
Replies: 7
Views: 252

Re: Cash down + Refi vs Pay down Debts

Recently, I paid down more to get rid of PMI. However the term I re-financed to was 25 years compared to the 30 year I had originally. The way I saw this was I didn't want to re-fi to 30 years again and reset the clock again. Also, the interest is highest in the initial years (see your amortization...
by slbnoob
Wed Jul 29, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Cash down + Refi vs Pay down Debts
Replies: 7
Views: 252

Re: Cash down + Refi vs Pay down Debts

Recently, I paid down more to get rid of PMI. However the term I re-financed to was 25 years compared to the 30 year I had originally. The way I saw this was I didn't want to re-fi to 30 years again and reset the clock again. Also, the interest is highest in the initial years (see your amortization ...
by slbnoob
Wed Jul 29, 2015 11:54 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 429
Views: 43887

Re: Free Windows 10 Upgrade, Yes or No?

Looks like I'll wait a while before upgrading tomorrow.
http://reviews.gizmodo.com/windows-10-d ... 8135443685

Considering I have a 6 year old Lenovo I'm not ready to give up on yet, I'd rather play safer :)

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