Search found 1679 matches

by tj
Fri Aug 26, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is my salary inflated by my employer?
Replies: 24
Views: 1461

Re: Is my salary inflated by my employer?

With the cost of health insurance today, I'd be shocked if employers cover any of it. I saw the rates that my company has to pay next year....a 48% increase if they keep the same carrier!
by tj
Fri Aug 26, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Sell Dallas Rental Condo?
Replies: 22
Views: 2306

Re: Should I Sell Dallas Rental Condo?

Congrats!

I sold my condo around this time last summer and when I checked ZIllow the other day, the Zestimate is only a few thousand higher than I sold it for, but the stock market has been on fire. Looks like I made the right call (got lucky).
by tj
Sat Aug 06, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9647

Re: Toyota care plus prepaid maintenance

I want to know how he went nearly 50k miles with no brake pad changes! For my civic, at various SoCal dealers: June 2011 - 5k miles - oil change & tire rotation - $71.55 71.55 Feb 2012 - 11k miles - 'minor service interval' (looks like oil change, tire rotation & a whole bunch of inspections...
by tj
Tue Aug 02, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9647

Re: Toyota care plus prepaid maintenance

Interesting. When I went to Just Tires for some new tires, the service tech actually suggested that I continue to get my oil changed at Honda and that the car would last longer. He said that's what he does with his car. And he works at a place that does oil changes.
by tj
Tue Aug 02, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9647

Re: Toyota care plus prepaid maintenance

I don't understand why everyone thinks the dealer service department is going to just "find" things. Because that's what they do and that's how they make money. Wouldn't the same be true for ANY mechanic? I just don't understand this notion that dealer service departments are any more sha...
by tj
Mon Aug 01, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 9647

Re: Toyota care plus prepaid maintenance

I've had so many free manufacturer's warranty repairs from various dealers and I drive a Honda. My parents have always used dealers I guess it's just what i grew up with. Maybe after the warranty is up, I'd try another shop, but I don't understand why everyone thinks the dealer service department is...
by tj
Mon Aug 01, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 1909

Re: Switch from Allstate to Amica/USAA?

We have USAA home and auto insurance. We receive a "dividend" just about every year (maybe every year). Our eligibility is based on my father's military service (retired officer) and the fact that he had coverage through them at some point (at least auto, I'm not sure about homeowners). S...
by tj
Mon Aug 01, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 1909

Re: Switch from Allstate to Amica/USAA?

I just completed an online quote with Amica and it's approximately the same for both auto and home that I currently pay with Allstate. If I were to get dividends that would make it come out ahead. It appears that in order to get an online quote with USAA part of the form is to determine whether I'm...
by tj
Mon Aug 01, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Switch from Allstate to Amica/USAA?
Replies: 34
Views: 1909

Re: Switch from Allstate to Amica/USAA?

Just be careful when comparing premiums. Both Amica and USAA are mutual companies and thus pay a dividend ('subscriber's savings account' in USAA lingo), at least in most states. https://www.amica.com/en/products/dividend.html I haven't had a USAA dividend in all 6 years I've had a policy. It depen...
by tj
Wed Jul 20, 2016 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank checking account
Replies: 32
Views: 3451

Re: Citibank checking account

Chase has sent me a similar offer in the mail every single month for the past year now. Not quite similar. - Chase has a composite offer of $500 ($300 for checking + $200 for savings), not $400 - The holding period is six months for Chase, but only three months with Citi. Furthermore, only the firs...
by tj
Wed Jul 20, 2016 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 55
Views: 5894

Re: Charles Schwab Checking + Brokerage Account

I'm not sure if you can transfer funds from a credit union (or bank) checking account into a brokerage account... Yes, you can. I have transferred funds from my Schwab brokerage account directly to my credit union checking account. The brokerage account and the checking account are connected to the...
by tj
Wed Jul 20, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Does Costco gas count as gas for PenFed Visa?
Replies: 6
Views: 772

Re: Does Costco gas count as gas for PenFed Visa?

Anyone try for the Bank Of America Cash Rewards (which is 5.25% cashback?)
by tj
Sun Jul 03, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34500

Re: [Fidelity drops AmEx, Bank of America credit cards]

Question concerning website access with the new provider Elan-- is there a dedicated website for the cards (as was offered by FIA) or must one access the new card(s) via the Fidelity Investments website? Thanks. There is - http://www.fidelityrewards.com . Thanks! I just set up my "first" ...
by tj
Sun Jul 03, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8284

Re: How to make an easy $500 like I just did [Chase bank offer]

It seems like it's a bonus for joining Chase, but it wants me to login to get the coupon??? Do you have to already have a chase account to get the bonus? Or is there another way? I get these in the mail every month. Maybe you don't live near a Chase branch? I have a code I could give someone , but ...
by tj
Thu Jun 30, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34500

Re: [Fidelity drops AmEx, Bank of America credit cards]

Afty wrote:We had both the 1.5% Visa and the 2% Amex. We've received one replacement but not the other.



The 1.5% came about 1 week later than the 2% for me.
by tj
Wed Jun 29, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34500

Re: [Fidelity drops AmEx, Bank of America credit cards]

I just received both of mine (2% Visa and 1.5% Visa that replaced a 2% AMEX and 1.5% Visa). Obviously, the 1.5% card is now superfluous. I called and was told the old card balances and reward points would be transferred at the end of July, so to login in early August and transfer points from the 1....
by tj
Tue Jun 28, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8284

Re: How to make an easy $500 like I just did [Chase bank offer]

I just emailed payroll and asked to divert $505 from my next paycheck. One time only.

No biggie.
by tj
Tue Jun 28, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34500

Re: [Fidelity drops AmEx, Bank of America credit cards]

I received my cards in the mail this week - the Amex and Visa cards were replaced with Visa signature cards. I'm guessing I don't need two of them. Should I cancel one or just not activate it? I called to consolidate but apparently they don't do that. I just won't use the one that used to be the vi...
by tj
Sun Jun 26, 2016 12:21 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

2Birds1Stone wrote:Stock futures already look far worst today than they did Friday before trading opened in NY.......this is FAAARR from over.

Glad to be 29 years old with a long time till retirement. :sharebeer


????

Looks pretty flat to me.

http://money.cnn.com/data/premarket/
by tj
Sat Jun 25, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8284

Re: How to make an easy $500 like I just did [Chase bank offer]

If I had 15 grand, I would use it buy stocks. However, I did take advantage of the $300 offer. $25 minimum deposit, bonus is triggered after the first direct deposit, and you avoid fees with direct deposit. Read the terms, chase has different offers floating around. I'll buy stocks after I collect ...
by tj
Fri Jun 24, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

If I exchange my mutual funds to their corresponding ETFs in the taxable account, is that considered a taxable event? I feel like I am not able to take advantage of potential TLH opportunities with mutual funds. Today would have been the perfect day for that! Are you asking whether you can make a 1...
by tj
Fri Jun 24, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

If I exchange my mutual funds to their corresponding ETFs in the taxable account, is that considered a taxable event? I feel like I am not able to take advantage of potential TLH opportunities with mutual funds. Today would have been the perfect day for that! No you cannot sell and buy a different ...
by tj
Fri Jun 24, 2016 12:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

That is what I was thinking. I would be very concerned about buying European stocks right now. I'd consider buying UK stocks as I think they are better off out of the EU as do the majority of British people. The markets have seriously overreacted across the board. Us stocks might be the best place ...
by tj
Mon Jun 06, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 544
Views: 287192

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

^ sounds like only one account each? I've begun ACH pulling ($2500 per day limit I believe) to empty out 2 accounts and get back down to 1. Knowing these accounts, it wouldn't surprise me if suddenly next month, this issue is reversed. :oops: Good while it lasted! Pretty sure you can ACH pull all 5...
by tj
Fri May 13, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 284
Views: 41645

Re: Credit Card Rewards (Travel)

I agree with you, giesen. Requiring the call is redundant, inefficient, and not customer friendly. it's incredibly intelligent, however, as many people will be too lazy to call. Requiring the extra step saves them a lot of cash. Based on past experience, If you sent the message after you completed ...
by tj
Sat Apr 30, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 10335

Re: Are females just not interested in investing in general or is it just the women that I date?

I think you are getting worked up over nothing. It sounds like when you introduced her about investing, she got into it. That's good. I actually recently dated a very beautiful woman who I originally assumed must be spending a lot more than me to fund her lifestyle. As I got to know her and observed...
by tj
Wed Apr 20, 2016 3:36 pm
Forum: Investing - Theory, News & General
Topic: Did Rick Ferri sell his firm?
Replies: 21
Views: 6129

Re: Did Rick Ferri sell his firm?

http://www.rickferri.com no longer exists - redirects to PortfolioSolutions. I'm guessing the PortfolioSolutions robo platform was abandoned?

RIck is still mentioned in the ADV forms from last month though...
by tj
Fri Mar 25, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 194
Views: 31623

Re: Liking the new Citi CC at Costco

4% back on gas purchases at Costco and other gas stations (on up to $7,000 spent per year) PenFed has a 5% Cash Back Gas Card that does not have a spending maximum


As far as I know, you won't get 5% cashback on Costco gas, and COstco is significantly cheaper than everybody else.
by tj
Fri Mar 25, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 283
Views: 34500

Re: [Fidelity drops AmEx, Bank of America credit cards]

Having the credit card companies pay you ridiculous bonuses is not stupid. I'm confused by the thraed here - are people saying the new card is not a true 2% cashback card?
by tj
Thu Mar 24, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 544
Views: 287192

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

There seem to have been some significant changes to both Mango and NetSpend during the month of January, in regards to the savings accounts anyway.


No changes with Netspend. It's still on auto-pilot, need to ACH a bucks every 2 months to avoid inactivity fees.
by tj
Tue Mar 15, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a personal finance talk radio show.
Replies: 38
Views: 4237

Re: Recommend a personal finance talk radio show.

Theres some good stuff at radicalpersonalfinance.com, but he goes off the rails sometimes.
by tj
Mon Mar 14, 2016 4:47 pm
Forum: Investing - Theory, News & General
Topic: Wellington/Total US Index overlap?
Replies: 9
Views: 1280

Re: Wellington/Total US Index overlap?

lack_ey wrote:Every stock in Wellington is in the total US index,



Not true. Wellington has Novartis among other foreign holdings.
by tj
Fri Mar 11, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: 5M Windfall, all in VTMFX? [Vanguard Tax-Managed Balanced Fund]
Replies: 40
Views: 6070

Re: 5M Windfall, all in VTMFX?

You could certainly do a lot worse!
by tj
Fri Mar 11, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Core Bond Fund opens to investors]
Replies: 107
Views: 14739

Re: [Vanguard Core Bond Fund opens to investors]

Seems like a lower cost DODIX. I'm intrigued.
by tj
Sat Feb 27, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 63901

Re: Free Windows 10 Upgrade, Yes or No?

I went to Windows 10 today. No issues so far. Appparently Symantec Endpoint Protection wasn't compatible with the upgrade, so I uninstalled it...and am using the free Windows Defender instead.
by tj
Wed Feb 17, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 97
Views: 16833

Re: Bank of America/Merrill Edge - Preferred Rewards

indexfundfan wrote:Wow, I didn't know of this "hidden" offer and the 200 free trades per month. I guess these are offered to the premium elite only?

See:

http://info.bankofamerica.com/preferred-rewards/


There's a certain number of free trades for each tier.
by tj
Sun Feb 14, 2016 6:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

I have to maintain a $100k average with Merrill Edge to hit Platinum Honors, so I just keep pumping $$$ into it out of my salary every couple weeks...it takes a lot of the emotion out of it I guess. :D Once you hit status, you keep it for 12 months even if your balance drops below. After 12 months,...
by tj
Thu Feb 11, 2016 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

I wasn't a member of this forum back in 2011, the last time a decline like this occurred (the 2011 decline was actually much worse than this one...so far). Where there a bunch of Broadstones and Visualguys around then too? I don't even remember the 2011 drop....which is how I hope to feel about thi...
by tj
Thu Feb 11, 2016 3:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

I have roughly 10x annual expenses including over a year's worth of expenses in 5% APY cash. How do you earn 5% on cash at present? Savings accounts that are attached to Prepaid Cards - Mango, NetSpend, Brinks, Ace Elite, and HEB are probably the most popular. Also have a Rewards Checking account t...
by tj
Thu Feb 11, 2016 1:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

the hope is that this will be irrelevant 20-30 years from now when i need the $$. Who knows what it will be like 20-30 years from now when you need the money. If you need to sell after a market crash at that time, things can be ugly. If US index behavior starts resembling ex-US index behavior more,...
by tj
Thu Feb 11, 2016 11:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

I have to maintain a $100k average with Merrill Edge to hit Platinum Honors, so I just keep pumping $$$ into it out of my salary every couple weeks...it takes a lot of the emotion out of it I guess. :D
by tj
Thu Feb 11, 2016 11:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

I don't really get the panic selling. i just bought more VT today! Are people literally concerned about their fund NAV's going all the way to $0.00 ? All selling now accomplishes is to realize a loss. Of course, it frustrates me that I didn't get in at the biggest drop of the day, but the hope is th...
by tj
Sat Feb 06, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Accelerating financial independence by living with father-in-law?
Replies: 26
Views: 2944

Re: Accelerating financial independence by living with father-in-law?

I've always found it strange that Intergenerational living is so taboo in Western American culture. So many of the Hispanics and Asians do it and it's perfectly normal. If you feel like it would be an imposition on your life, then don't go for it. If you think it would be a beneficial environment to...
by tj
Sat Feb 06, 2016 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 544
Views: 287192

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

All of my bank account bonuses have been 1099-Int. The only exception was (Capital One) ShareBuilder which showed up on a 1099-Misc
by tj
Mon Jan 25, 2016 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Online Tax Service..H&R Block
Replies: 4
Views: 548

Re: Online Tax Service..H&R Block

I do it. I'm not worried about it. IT beats having to type it all in!
by tj
Wed Jan 20, 2016 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Market down - lost alot of $ - nervous..
Replies: 60
Views: 7537

Re: Market down - lost alot of $ - nervous..

You only "lose" the $$ if you sell it. I wouldn't.

Some of the shares of VT I bought this morning gained 2% by the end of the day. Crazy day!
by tj
Wed Jan 20, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 707964

Re: U.S. stocks in freefall

I had filled up the Roth accounts of my wife's and mine until last Friday. I will buy more in taxable account when S&P is down 20%, and again at -30%. In my opinion, you just do what you believe in. How do you know that it is going to -20% and -30% before it goes +20% or +30%? This sell-off see...
by tj
Tue Jan 19, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2827

Re: Best place to live in CA for a retiree

Is there anywhere in the state that is cheaper than Sacramento / Fresno area ? I have no idea what you would do for entertainment, however. :)
by tj
Mon Jan 18, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do index funds hedge against currency risk
Replies: 10
Views: 798

Re: Do index funds hedge against currency risk

I'd guess not simply because Vanguard US's foreign index funds do not hedge their equity.
by tj
Fri Jan 15, 2016 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my bride's student loans
Replies: 72
Views: 5805

Re: Paying off my bride's student loans

Sometimes emotions are more important than the actual financials. As they say, happy wife, happy life. Maybe you could refi now that she has your income in addition to her own? It would be weird to say, honey, don't forget your student loan payment is due today, you going to write me a check or pay...

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