Search found 479 matches

by spammagnet
Sun Apr 30, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 28
Views: 1631

Re: Does Retirement Planning impact your job performance?

Understanding that this is not an option for everyone -- I went to my boss and said "I can either continue to work full-time and retire in six months or I can go to 3 days a week and retire in 14 months. Any preference?" She preferred the 14 months, slightly, so that is what I did once I ...
by spammagnet
Sat Apr 29, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 41
Views: 2884

Re: Which High-Yield Online Savings Account Should I Open?

aj76er wrote:... (I think Ally has a limit on the number of transactions per month). ...

6 per month in savings accounts. I may be mistaken, but I believe that's determined by federal regulation? If true, all banks have the same restriction.
by spammagnet
Sat Apr 29, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Opinions on Invisalign & can I afford it?
Replies: 4
Views: 812

Re: Opinions on Invisalign & can I afford it?

I had regular braces as a kid, decades ago. Because my yet shifted over time, I had them again on my lower teeth a couple of years ago. I intended to have Invisalign braces but was informed I have to pay for upper and lower, even though I needed only lower. That's on top of the fact that Invisalign ...
by spammagnet
Sat Apr 29, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital transaction history
Replies: 8
Views: 728

Re: Personal Capital transaction history

EHEngineer wrote:Not sure about personal capital. I have been using mint 8+ years and it's all there.

What level of detail does Mint store?
by spammagnet
Wed Apr 26, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student loan to Earnest?
Replies: 20
Views: 847

Re: Refinance student loan to Earnest?

Goal33 wrote:I'd just put that amount on 0% interest credit cards. ...

If you can pay it off without risk before the discount expires, sure. But the OP describes a 5 year payoff as a stretch goal. I doubt the 0% lasts that long.
by spammagnet
Wed Apr 26, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance student loan to Earnest?
Replies: 20
Views: 847

Re: Refinance student loan to Earnest?

Can student loans be refinanced at will? I was under the impression they can be refinanced and/or consolidated only once. It makes sense that you can only consolidate once but are there limits on refinance?
by spammagnet
Wed Apr 26, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Refinance student loan to Earnest?
Replies: 20
Views: 847

Re: Refinance student loan to Earnest?

I don't have experience with student loans but I assume they can be paid off early and there is a financial benefit for doing so. If true, and if the interest penalty for longer terms is small as you suggest, consider a longer term loan, not "pushing" to make payments on a shorter loan. Th...
by spammagnet
Tue Apr 25, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?
Replies: 13
Views: 1077

Re: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?

Quicken has not acquired Mint as far as I know. Intuit acquired both Quicken and Mint, but, Intuit plans to sell (or has sold) Quicken. Intuit developed Quicken and later developed QuickBooks. After acquiring TurboTax and Mint, Quicken shrank to a small part of their business. They spun it off last...
by spammagnet
Tue Apr 25, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?
Replies: 13
Views: 1077

Re: Personal Finance Software Quicken 2017 Online Version or PC based] , Personal Capital, Mint, or QuickBooks?

I would appreciate hearing about Bogleheads experiences using personal financial software. Consider a combination of Mint and PC. Both are free. Nothing requires that you give PC all of your accounts. I set up only my investments accounts to get the better investment analysis available there. You d...
by spammagnet
Tue Apr 25, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8477

Re: Why is Real-Estate so Bad?

What kind of hit would be reasonable to expect on your monthly rental income from these holding expenses? Not being a RE investor I can't answer your questions. But, to compare apples-to-apples, you should evaluate the RE investment cash flow as though managed by a property management firm, with th...
by spammagnet
Tue Apr 25, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Why is Real-Estate so Bad?
Replies: 113
Views: 8477

Re: Why is Real-Estate so Bad?

tomer755 wrote:Is there anyway to estimate what kind of dividend payment I should be receiving Quartarly based on that chart and the amount I have invested?

Do you need dividends? Or are you looking for a way to compare your non-RE investment to your relatives' recommended investment in RE?
by spammagnet
Mon Apr 24, 2017 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 30
Views: 1640

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

Jags4186 wrote:Fidelity sends your money to BNY Mellon.

The name of the bank associated with my CMA is UMB, Missouri. Not sure how the bank is selected by Fidelity.
by spammagnet
Mon Apr 24, 2017 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 30
Views: 1640

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

Chip wrote:Hmm. I've always paid 1% when using mine outside of the US. It's not a separate fee, but is baked into the exchange rate.

CapitalOne may be a better card for international travel: 1.5% rebate, no (explicit) fee. Perhaps they stick you on that exchange rate, as well?
by spammagnet
Sun Apr 23, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 30
Views: 1640

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

Thank you for sharing your experiences! I happen to live near a Fidelity branch. Would that allow me to deposit cash? Does having a branch help with anything related to CMA accounts, or are branches only for brokerage services? I don't have a branch near me, and don't know. I suspect they're for br...
by spammagnet
Sun Apr 23, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 30
Views: 1640

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

... How has your overall experience with the Fidelity CMA been? Any issues with fraud (one thing I've read is that there is no ATM card, only debit linked to all funds in account)? Bill pay, checks? I'm not the person you're addressing but I have a CMA and am happy. I like being refunded for all AT...
by spammagnet
Sun Apr 23, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 30
Views: 1640

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

... We also have separate logins, but my wife's is a result of having an IRA with Fidelity (her login can see her IRA and our Joint accounts, while mine can only see the Joint accounts). ... If it adds convenience, she can grant read-only authority to you, which makes her IRA visible to your login....
by spammagnet
Sun Apr 23, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2145

Re: National Parks in Northern CA

livesoft wrote:One shouldn't be hitting guardrails anyways, so there is really no need for them. ...

Mistakes happen. Better to damage your car and the guard rail than to drive over the edge.
by spammagnet
Sat Apr 22, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2145

Re: National Parks in Northern CA

Do you live in a large urban area, or has your son visited one? I highly recommend a visit to San Francisco with teenagers. If you can swing it, stay in a hotel in the center of town. We did a fly/drive vacation with teenagers to SF and Yosemite several years ago and found a very nice hotel near Uni...
by spammagnet
Wed Apr 19, 2017 7:33 am
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5805

Re: What kind of stuff would you never DIY, assuming you could?

I doubt he was doing it to save money. More likely, as a distraction from the stresses of his day job. My next door neighbor is a semi-retired anesthesiologist. When he went part time he bought a lawn tractor and canceled his mowing service. His lawn doesn't look that great but he sure looks happy ...
by spammagnet
Wed Apr 19, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5805

Re: What kind of stuff would you never DIY, assuming you could?

... In my younger days I was surprised that a neurologist friend was spending his time on a lot of semi manual labor. E.g. landscaping and endless weekends restoring a Jaguar E-Type. What a waste, although an absorbing hobby. ... Difficult to price hobbies right... I doubt he was doing it to save m...
by spammagnet
Wed Apr 19, 2017 7:04 am
Forum: Personal Finance (Not Investing)
Topic: What kind of stuff would you never DIY, assuming you could?
Replies: 75
Views: 5805

Re: What kind of stuff would you never DIY, assuming you could?

Roof repairs. I'm not afraid of heights but know the risk of serious injury is high. Also, as we age, our balance is not as quick to adjust as it once was and we get more brittle. (I'm not 90, but I'm not 30, either.) Besides which, I now live in a condo. Let the HOA do it. :D I'm very capable of DI...
by spammagnet
Sat Apr 15, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12109

Re: Do you have an umbrella policy?

This thread reminded me that we planned to buy umbrella coverage. I just did, $1 million coverage from GEICO for <$500/yr. Competitive bids were not competitive. We have 4 cars and drivers, including young adults living away from home. Our homeowner's is through a separate underwriter but meets GEIC...
by spammagnet
Sat Apr 15, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Skip ESPP? - 5% discount on fix date with holding period of 6 months
Replies: 37
Views: 2416

Re: Skip ESPP? - 5% discount on fix date with holding period of 6 months

Skip it. 5% isn't much. The risk of the holding period negates the benefit.
by spammagnet
Sat Apr 15, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4068

Re: Versatile economical RV recommendations for a frugal retiree?

I think an RV of the kinds being discussed, unless you are a full-timer, is absolutely anti-Boglehead in every possible way. But so is a luxury car, or luxury travel, or any number of other discretionary expenditures. Not necessarily. Your reference to "luxury travel" suggests that non -l...
by spammagnet
Fri Apr 14, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Software to track asset allocation (no tickers)
Replies: 41
Views: 3220

Re: Software to track asset allocation (no tickers)

If your holdings are not complex it shouldn't be hard to do that in Excel.
by spammagnet
Thu Apr 13, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Please recommend-A new TV with good sound system
Replies: 15
Views: 1017

Re: Please recommend-A new TV with good sound system

I recently replaced an old 40" flat screen Sony TV and Sony 5.1 sound system. The two main front speakers were Bose 301s, the subwoofer was a Sony powered 100 watt box, the rear satellites were smaller Bose speakers of some kind, and the center was Pioneer. When I assembled the system I wasn't ...
by spammagnet
Tue Apr 11, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: MasterCard or Visa... Or One of Each?
Replies: 22
Views: 1892

Re: MasterCard or Visa... Or One of Each?

Mainly, the idea of doing away with extra credit cards is about simplification of accounts. My wife and I already have checking, brokerage/savings (cash and CD savings in the brokerage account + investments), Roth IRAs, 401(k)s, HSA... this alone spans 4 different providers (Schwab, ADP, Aon Hewitt...
by spammagnet
Mon Apr 10, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing to put less than 20% down...why is this wrong?
Replies: 51
Views: 4939

Re: Choosing to put less than 20% down...why is this wrong?

I didn't even think of that! A HELOC could be a good compromise if it helps curb your anxiety. While not advocating in favor of PMI, a HELOC is not a reliable emergency fund. Just about the time you need it because your financial circumstances go bad, the bank can require you to close it because yo...
by spammagnet
Mon Apr 10, 2017 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: MasterCard or Visa... Or One of Each?
Replies: 22
Views: 1892

Re: MasterCard or Visa... Or One of Each?

Sam's Club takes Visa. I used a Visa credit card this weekend with no problems. https://help.samsclub.com/app/answers/detail/a_id/1551/~/accepted-payment-methods I was unaware of this. I'll have to keep my eyes peeled for this next time! And if memory serves, Costco takes Visa *debit*, no? Sam's Cl...
by spammagnet
Mon Apr 10, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27554

Re: Quicken's future direction - a cause for concern

Why do you think Quicken uses web scraping scripts? ... To the best of my knowledge they use the QFX (file format). ... Using QFX rather than OFX is also probably the reason for the problematic Intuit ID issues. That assumes banks are willing to bother, and to pay license fees to Quicken. Many don'...
by spammagnet
Mon Apr 10, 2017 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27554

Re: Quicken's future direction - a cause for concern

... Wells Fargo is my bank because good banks got swallowed up. Wells Fargo slammed, crammed and cheated me and many others. I got billed for a direct connect I never asked for. Also for some reason when Quicken starts it has a Wells Fargo logo. ... I think the logo is a marketing agreement between...
by spammagnet
Sun Apr 09, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27554

Re: Quicken's future direction - a cause for concern

The last feature missing from Moneydance that I find valuable in Quicken is integration with tax planning tools. It helps me forecast my tax liability for withholding purposes without having to calculate future income and copying that into a separate program. That, too, is a nice-to-have but it's a...
by spammagnet
Sun Apr 09, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 297
Views: 27554

Re: Quicken's future direction - a cause for concern

I've completed my switch from Quicken to Moneydance and have no concerns about getting locked out of my own data. I'm trying but am stymied by my primary checking account being a Fidelity CMA. Quicken wouldn't treat that as a checking account for bill-pay reasons but does allow you to split off the...
by spammagnet
Sun Apr 09, 2017 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Telling Family About Daughters 529 For Gifts
Replies: 52
Views: 3502

Re: Telling Family About Daughters 529 For Gifts

... Have any of you had success in getting family to tone down the toys/gifts and up the donations? What did you say to them that was effective? To ask for money is pretty cheesy, in my opinion. If you don't want toys, consider suggesting books. If family members want to know the kid appreciates th...
by spammagnet
Fri Apr 07, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: HDHP's - Does your employer offer them?
Replies: 47
Views: 1679

Re: HDHP's - Does your employer offer them?

I work for a large academic medical center. No HDHP is offered. Among other things, management resists because HDHPs are harder to collect from, in general. My understanding of their concern is that it would put the employer in an ethically-conflicted position if trying to collect on delinquent debt...
by spammagnet
Tue Apr 04, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23613

Re: Low-earners- What is your profession?

Not sure where the animosity came from but I sense this thread spiraling downward, quickly. That's sad.
by spammagnet
Tue Apr 04, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23613

Re: Low-earners- What is your profession?

The family of seven, with AGI of $30 this year---no/little fed tax owed, possibly Earned Income Credit, college cost credit (both refundable) probably getting PELL grant $ for college as well as other need based aid (state grants, etc) FAFSA doesn't look at retirement assets for any families, or ev...
by spammagnet
Mon Apr 03, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 5623

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

... Sure there everywhere. But never ever available for purchase by credit card. A typical "gift card rack" will have a sign saying that only the merchant (e.g. specific store, restaurant, etc) can be purchased by credit card. I can't say I've ever seen that sign. +1. The rack at my nearb...
by spammagnet
Wed Mar 29, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Lastpass bug
Replies: 18
Views: 2001

Re: Lastpass bug

This is not an attempt to convince those who aren't interested in using Lastpass, but here's recent info from the vendor: https://blog.lastpass.com/2017/03/important-security-updates-for-our-users.html/ "... Firefox 3.3.2 message-hijacking bug What you need to know: ⋅ We recently anno...
by spammagnet
Wed Mar 29, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 18
Views: 1351

Re: Chores for elementary school age kids?

- I was ironing flat, easy items in the first grade! Your kids can, too! While physically easy I recommend against this. I still have the scar on my belly where I bumped the hot iron against my skin. It's neither big nor noticeable but provides some insight into the risk of young kids handling thin...
by spammagnet
Wed Mar 29, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: Chores for elementary school age kids?
Replies: 18
Views: 1351

Re: Chores for elementary school age kids?

When DD was about 8 years old I paid her $20 to spread a yard of pine bark mulch from the pile in the street where the vendor dumped it to the garden area in the back yard. We had a manure rake to fill a standard-sized plastic wheelbarrow. Everything was lightweight and within her ability, but it wa...
by spammagnet
Wed Mar 29, 2017 1:29 am
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2454

Re: How to easily organize personal finances

1210sda wrote:... I find that I too could pay for most expenses with a CC, with the following exceptions: church, ...

My wife's church collects pledges through an online service. That service accepts credit cards for scheduled monthly/weekly donations.
by spammagnet
Wed Mar 29, 2017 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Max Out 0% Promo Credit Card
Replies: 39
Views: 2072

Re: Max Out 0% Promo Credit Card

In days of much higher interest I maxed out some 0%, no-fee cash advances and put it in an online savings account. I set up automatic minimum payments from that account and scheduled payment in full for a couple of weeks before the teaser rate expired. For me, the interest I earned was free money.
by spammagnet
Tue Mar 28, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4068

Re: Versatile economical RV recommendations for a frugal retiree?

As one no longer in the "accumulation phase" and now a reluctant senior retiree, I wonder how others fit an allocation for an RV. Perhaps in another actionable thread per forum guidelines. That's simple - it's travel. For many retirees, travel is an explicit component of their financial p...
by spammagnet
Tue Mar 28, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 4834

Re: Daugther's Credit Card Windfall

No need to wade through phone tree hell. Many bank web sites have online chat help. I know for a fact that Discover does. That will get their attention.
by spammagnet
Tue Mar 28, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4068

Re: Versatile economical RV recommendations for a frugal retiree?

... I absolutely did not think about a generator or room for it. I do have a Honda EU2000i. Solar is also a good idea. ... Much of your time you'll have the convenience of an AC power source but, if boondocking, an alternative source is a requirement for recharging your batteries. I have no experie...
by spammagnet
Tue Mar 28, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4068

Re: Versatile economical RV recommendations for a frugal retiree?

... One consideration with a small camper or trailer is that you won't have a built-in generator or probably a dedicated place to store it or spare gas, so that's an issue. It's not entirely trivial to suck gas out of a truck (at least not those with baffles blocking tank access) although I'm not s...
by spammagnet
Tue Mar 28, 2017 12:10 am
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 4454

Re: Toyota vs. Honda

We last shopped Honda vs Toyota several years ago. For me, the difference was seat comfort. The Honda didn't fit me as well as the Toyota. That's personal and subjective. I discern little objective difference between them, otherwise.
by spammagnet
Mon Mar 27, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Versatile economical RV recommendations for a frugal retiree?
Replies: 59
Views: 4068

Re: Versatile economical RV recommendations for a frugal retiree?

Sandtrap wrote:Absolutely. I have bad spine days.

Be very picky about the bed. Trailer/camper mattresses sometimes are thinly disguised torture equipment.

Go to advanced search