Search found 1314 matches

by student
Fri Nov 17, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Issue with Bank of America credit card
Replies: 5
Views: 375

Issue with Bank of America credit card

I have a BoA Better Balance Reward credit card. It gives you $25 a quarter if you are not late for payment every month. It increases to $30 if you have a bank account with them. I did not receive my $30 last quarter. Since I am a Platinum Plus customer, I thought I would call them and get better ser...
by student
Tue Nov 14, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 53
Views: 2238

Re: Michelin or Bridgestone?

Sam's club has a promotion of $70 off 4 Michelin tires.
by student
Tue Nov 14, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Pay down a 3.25% 15-year mortgage?
Replies: 24
Views: 3307

Re: Pay down a 3.25% 15-year mortgage?

I also think that you should sell the rental even if you take a loss that is in the $20,000-$30,000 range as you have a $1,300 negative cash flow per month.
by student
Tue Nov 14, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3387

Re: Borrowing from parents - what interest rate?

If you can repay the loan within 5 years, then you are in good financial shape. There is no need for the complication to not get a mortgage loan from a bank.
by student
Mon Nov 13, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 85
Views: 4366

Re: Tipping in living wage state. Redux.

When I visited such a state before, I told myself that there is no need to tip but I just can't do it. At the end, I think I tipped between 10% and 15%.
by student
Sun Nov 12, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I loopy for thinking about doing this? [Change stock allocation]
Replies: 8
Views: 981

Re: Am I loopy for thinking about doing this?

Right now you have a 62/38 allocation. If you do the switch, you have 46/38/15 allocation. It is not an unreasonable allocation. You said you want to buy more stock fund via contribution than the current percentage. You mention nothing about the cash. Are you comfortable in holding the current cash ...
by student
Sun Nov 12, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Starter House" - to pay off or not?
Replies: 13
Views: 1418

Re: "Starter House" - to pay off or not?

I also think that not paying it off gives you more options later.
by student
Sun Nov 12, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What is the next step?
Replies: 5
Views: 391

Re: What is the next step?

I would contribute to the IRA first, and then pay off the car. I would leave the emergency fund alone.
by student
Sun Nov 12, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a home mortgage without spouse?
Replies: 43
Views: 2552

Re: Getting a home mortgage without spouse?

The late payment from 4 years ago will be dropped off in three years in time for your purchase.
by student
Sun Nov 12, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 149
Views: 11249

Re: Why pay cash for a car?

I know it is somewhat silly but I do not want to deal with car payments.
by student
Sun Nov 12, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else experience ETrade glitches?
Replies: 3
Views: 316

Re: Anybody else experience ETrade glitches?

This sounds bad if you have experienced this several times in such short period of time. Did they give you a reason for the glitches? They did not. They said that they would send it to their “reconciliation group”(?). These differences seem to show up shortly after trades. Good call. Let me contact...
by student
Sun Nov 12, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job with regular working hours after a long break?
Replies: 7
Views: 1004

Re: How to get a job with regular working hours after a long break?

It seems that you don't need the money and you just need a job to fill time. How about some tech support jobs at educational institutions? You are likely overqualified but you do meet a lot of people. You may even get tuition discount for your kids. Pay is generally lower.
by student
Sun Nov 12, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3088

Re: What's your weighted average expense ratio?

0.18% not counting TIAA Traditional.
by student
Sun Nov 12, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else experience ETrade glitches?
Replies: 3
Views: 316

Re: Anybody else experience ETrade glitches?

This sounds bad if you have experienced this several times in such short period of time. Did they give you a reason for the glitches?
by student
Sun Nov 12, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1232

Re: What Credit Card is good for me?

Start with Citi Double Cash or Fidelity for 2%. Use it in combination with your freedom card. If you want to play a bit of the game, add AMEX Everyday which gives you 3% groceries and Uber credit card which gives you 4% dining. Since you say you do foreign travel, you may want to consider Chase Sapp...
by student
Sun Nov 12, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10141

Re: Tipping for restaurants where you order at the counter

A good general rule of thumb is to follow Emily Post Institute. (It does not cover all the situations in this thread though.)

http://emilypost.com/advice/general-tipping-guide/
by student
Sat Nov 11, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10141

Re: Tipping for restaurants where you order at the counter

Last, I do think there's a social pressure component in that we tip because we come face-to-face with the server. For example, many of my friends are generous tippers in restaurants and bars, but do not tip the hotel housekeeper, which I think is a substantially more difficult job with less pay. Th...
by student
Sat Nov 11, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10141

Re: Tipping for restaurants where you order at the counter

ClevrChico wrote:
Sat Nov 11, 2017 8:29 pm
There's a #4 variation which I see at Asian restaurants. - Full service, but PAY at the counter. I give a traditional tip in that situation.

I also typically tip 10% at buffets if the waitstaff was good.

But for counter service? No.
Me too.
by student
Sat Nov 11, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10141

Re: Tipping for restaurants where you order at the counter

Some states pay tipped employees the full state minimum wage, whereas other states pay as low as $2.13. https://www.dol.gov/whd/state/tipped.htm I second flyingbison's comment of the inherent unfairness of the tip being based on the cost of the meal, as working in fancy restaurants is often less he...
by student
Sat Nov 11, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1169

Re: do I need two different credit card companies

There are definitely merchants that don't accept Amex, but I haven't heard of anywhere that doesn't take both Visa and MasterCard. I haven't encountered many these days. Sometimes they will have special arrangements. The few limited examples are Nieman Marcus only accepted AMEX until 2011. https://...
by student
Sat Nov 11, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 10
Views: 959

Re: Asset Allocation

Different people view it differently. How old are you? If you are close to retirement age, I think either way is a reasonable way of looking at it. Personally I would not include it in the asset allocation but subtract it from what I need.
by student
Sat Nov 11, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

I have a quick question, will I get a dividend check going straight to my bank account every quarter or is that just something that happens for single stocks? Or is it something that I wont see any money unless I sell? Also when I sell do I have to sell it all? You can choose to reinvest the divide...
by student
Sat Nov 11, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10141

Re: Tipping for restaurants where you order at the counter

The less I need to do, the more I tip. #1 no. #2. Maybe #3 yes. Probably #3 - BUT I do not have the situation of take-out at a "regular" type restaurant, but observe this when eating at some. At some places (such as Silver Diner in this area), I observe wait staff place the takeout order, get it af...
by student
Sat Nov 11, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Can I just put down 5k right now and maybe next week put another 5k in? Or is it better to go all in off the bat? It probably makes no difference. It was always my policy to invest whenever I had extra money to invest, rather than wait around for a possible better time. Just go ahead and invest all...
by student
Sat Nov 11, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Can Vanguard alert me when there is a stock spinoff?
Replies: 5
Views: 490

Re: Can Vanguard alert me when there is a stock spinoff?

How about activity alerts? I know you will get more than you want but at least you will get them.
by student
Sat Nov 11, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Can someone tell me about the federal money market on my account? It keeps giving me the option to send money to it, do I need to do this? I have the mutual fund division, not the newer brokerage that all new investors are given. However, I do believe you have it go to their default mm and when you...
by student
Sat Nov 11, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Can I just put down 5k right now and maybe next week put another 5k in? Or is it better to go all in off the bat? It probably makes no difference. It was always my policy to invest whenever I had extra money to invest, rather than wait around for a possible better time. Just go ahead and invest all...
by student
Sat Nov 11, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Can someone tell me about the federal money market on my account? It keeps giving me the option to send money to it, do I need to do this? I have the mutual fund division, not the newer brokerage that all new investors are given. However, I do believe you have it go to their default mm and when you...
by student
Sat Nov 11, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6106

Re: Isn't it safer to NOT sign Credit card?

Mastercard just announced that they are phasing out signatures.

https://consumerist.com/2017/10/19/mast ... uirements/
by student
Sat Nov 11, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1169

Re: do I need two different credit card companies

Hi Folks, I have 2 visa's 1 master card and one amex card (all have no annual fees). I only use the visas. Much better rewards (costco and Marriott). I am not worried about the effect on my credit rating. Can I dump both AMEX and Mastercard? Is there any chance Visa could have an issue that could s...
by student
Fri Nov 10, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

At age 23 an asset allocation of 80/20 is reasonable in my opinion. Also what is the difference in the mutual funds you listed and something like VOO? I read something about passive and active management. Just trying to figure out the right option for me Vanguard LifeStrategy Growth Fund (VASGX) ER...
by student
Fri Nov 10, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 16
Views: 1257

Re: Savor credit card

I think the Uber credit card is better 4% dining ... That is pretty impressive! The only part I don't like, although it may be a non-issue for others, is that it's points and not pure cash back. How do the rewards work? Everything is points: the cash back, the rewards, etc. Those points can be rede...
by student
Fri Nov 10, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 16
Views: 1257

Re: Savor credit card

Their webpage states that only Amazon Kindle book purchases qualify. https://cashplus.usbank.com/merchants/detail/4117?return=merchants%2Findex This card appears to have category offerings that change quarterly. Too much to monitor for me. Interesting I have used it for other purchases on Amazon an...
by student
Fri Nov 10, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Even in my tax bracket ill still have to pay federal tax on my pepsi stock? Or we just dont know that? Does it very? I was just gonna call edward jones in the next several months and sell all my shares and just move on to straight Vanguard. Also I wonder if Vanguard has a bonus for transfering, bec...
by student
Fri Nov 10, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 16
Views: 1257

Re: Savor credit card

That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment tp PenFed's 5 on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles. If ...
by student
Fri Nov 10, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Stipends are generally considered earned income & you will receive a W2 from the university. If that is the case, that earned income will allow you to open a Roth IRA. That's the way it works for my daughter who is in graduate school & receives a taxable stipend. Vanguard requires $1,000 to open a ...
by student
Fri Nov 10, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Stipends are generally considered earned income & you will receive a W2 from the university. If that is the case, that earned income will allow you to open a Roth IRA. That's the way it works for my daughter who is in graduate school & receives a taxable stipend. Vanguard requires $1,000 to open a ...
by student
Fri Nov 10, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3711

Re: What is a reasonable emergency fund for HI family?

One citation I found said the cutoff for the 95th percentile was about $225,000 in 2016. So it would be accurate to say that 5 percent of US households had an income of $225,000 or more. Would it be accurate for the listed income of $300,000? My point was "not really high income, we only make $300,...
by student
Fri Nov 10, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3336

Re: Is an investment account the best choice for me (new guy)

Stipends are generally considered earned income & you will receive a W2 from the university. If that is the case, that earned income will allow you to open a Roth IRA. That's the way it works for my daughter who is in graduate school & receives a taxable stipend. Vanguard requires $1,000 to open a ...
by student
Fri Nov 10, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Inactive accounts closed?
Replies: 30
Views: 2159

Re: Inactive accounts closed?

Different banks have different policies. To be safe, I usually generate activities at least once a year.
by student
Fri Nov 10, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 16
Views: 1257

Re: Savor credit card

I think the Uber credit card is better
4% dining
3% travel
2% online
1% others

If you spend $5000 a year, there are other benefits.

https://www.uber.com/c/uber-credit-card/
by student
Thu Nov 09, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1057

Re: Best mobile Family Plan for 4 Lines?

T-mobile can be cheaper if you and your spouse are 55+. Then you can get $120 for four. https://www.t-mobile.com/offers/t-mobil ... limited-55
by student
Thu Nov 09, 2017 8:09 am
Forum: Investing - Theory, News & General
Topic: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'
Replies: 24
Views: 4069

Re: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'

1) The current and past CEOs are not Jack Bogle. They are corporate executives, not founders. There should be zero expectation they will become billionaires. 2) Their comp is likely roughly in-line with their competition. This is kind of a ridiculous statement from Buckley. This seems silly to me t...
by student
Thu Nov 09, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: PayPal Mastercard decline due to freeze
Replies: 20
Views: 1322

Re: PayPal Mastercard decline due to freeze

There are other 2% cards that you can apply. Fidelity and Citi Double Cash. The new Uber card is also good if you dine out a lot.
by student
Wed Nov 08, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Non-service at TDAmeritrade- moving on
Replies: 3
Views: 585

Re: Non-service at TDAmeritrade- moving on

You may as well move to take advantage of the preferred rewards. This is my experience in opening an account with them.
viewtopic.php?f=1&t=214753

Here is some info about preferred rewards.
viewtopic.php?t=150033
by student
Wed Nov 08, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Give me assurance
Replies: 14
Views: 1708

Re: Give me assurance

I am not an expert like others but your plan seems reasonable.
by student
Mon Nov 06, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 87
Views: 7064

Re: Should I decline Grand Prize trip because of taxes on winnings?

OP HERE: I'm overwhelmed with all the thoughtful responses to my question! I wanted to let you know that I have 100% confirmation that this is real. I spent DAYS going through every possible means of confirming this is legitimate, and now know for certain this is not a scam. People have asked why I...
by student
Mon Nov 06, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Which Debt to Payoff First?!
Replies: 23
Views: 1998

Re: Which Debt to Payoff First?!

I agree with others who said pay off the car loan. Depending on your job security, I would put the rest in the emergency fund, increasing it to cover just under 1 year.