Search found 52 matches

by ze233
Fri Jun 29, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 69
Views: 10940

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Just a FYI to people with the 1.75% No-Penalty CD's. It looks like Ally raised the rate to 1.8% for $25k+. I'm going to close and re-open the few that I have over there. The no penalty CD is now up to 1.85% for $25k+. I am closing my 1.75% from December and re-opening at this rate. Also, the regula...
by ze233
Tue Mar 27, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 14848

Re: 2018 Forester vs CRV vs RAV4

I also have a 2015 Forrester that I've had no issues with. Wife drives it, she loves the visibility she gets in it, and the AWD during the winters. BTW, the redesigned 2019 Forrester is being unveiled in 3 days at the NY International Autoshow, and should be available this summer, you may want to wa...
by ze233
Sun Mar 25, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1996

Re: How to Learn to Build a Web App

https://www.pluralsight.com is a very good tech learning website. They have beginner, intermediate, and advanced courses on a wide range of subjects. We use it at our company and I assign my junior developers courses when I feel they need to learn a new technology. If you're looking to build a mode...
by ze233
Sat Mar 24, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Ally Savings Account vs Capital One 360 MMA?
Replies: 8
Views: 1799

Re: Question on Ally Savings Account vs Capital One 360 MMA?

Ally Bank sometimes have good CD rates. This past Christmas, they had an 11-month no-penalty CD for 1.75% that I signed up for. It's really easy to open if you have an existing Ally Bank savings account. Also, upon maturity, you can designate the CD automatically deposit back to your savings account...
by ze233
Sat Mar 24, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Where to Park Home Down Payment
Replies: 3
Views: 480

Re: Where to Park Home Down Payment

Definitely put it in some high yield savings or money market account. When I was saving for a house, I used an online savings account. The rate of traditional brick and mortar savings accounts are peanuts compared to what you can get online. These days i have Ally Bank. While they're not the highest...
by ze233
Sat Mar 24, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know when you need a trust?
Replies: 22
Views: 3351

Re: How do you know when you need a trust?

In my mind, the principal advantage of a trust (a "revocable living trust") is that it avoids the probate process when one passes away. In California (and I presume elsewhere too) the probate process is lengthy, quite expensive, and a listing of all your assets is put into the public record (provid...
by ze233
Sat Mar 24, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold or dump my whole life policy
Replies: 21
Views: 1163

Re: Should I hold or dump my whole life policy

Hi Bogleheads, I am fairly financially savvy, but I admit that whole life insurance is one of those products that I don't have a good understanding of. I'm hoping the collective wisdom of the community can help me out. My parents took out a whole life insurance policy for me when I was a child, in ...
by ze233
Sat Mar 24, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold or dump my whole life policy
Replies: 21
Views: 1163

Re: Should I hold or dump my whole life policy

It would take about 32 years invested at 10% ( initial amount plus annual contributions)return to attain the 50,000 figure. But at 45 years, it would equal 177,000. 10% is not guaranteed, and the 50,000 is guaranteed as long the Insurance company remains solvent. Do what makes you feel secure as th...
by ze233
Sat Mar 24, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold or dump my whole life policy
Replies: 21
Views: 1163

Re: Should I hold or dump my whole life policy

It would take 242 years of that premium to equal $50,000. The calculations are a bit more complicated than that, but I agree with BL, might be rational to keep it at this point even though it doesn't seem to make any practical difference to you either way. It would be interesting to know what $50k ...
by ze233
Sat Mar 24, 2018 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold or dump my whole life policy
Replies: 21
Views: 1163

Re: Should I hold or dump my whole life policy

Just some thoughts: Even though it was not a wise buy, it has been in force long enough that it probably isn't too bad at this time. You may have, or may soon have, enough gains to pay the premiums each year, so you could almost forget about it. I have heard that using dividends to buy paid-up addi...
by ze233
Sat Mar 24, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold or dump my whole life policy
Replies: 21
Views: 1163

Re: Should I hold or dump my whole life policy

Do you even need any life insurance at all? Who is financially dependent on you and would be financially harmed by your death? Yes. I am married, have a 2 yr old son, and plan on having another child in the near future. My wife also has a 1 million dollar 30 year term life policy in her name taken ...
by ze233
Sat Mar 24, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hold or dump my whole life policy
Replies: 21
Views: 1163

Should I hold or dump my whole life policy

Hi Bogleheads, I am fairly financially savvy, but I admit that whole life insurance is one of those products that I don't have a good understanding of. I'm hoping the collective wisdom of the community can help me out. My parents took out a whole life insurance policy for me when I was a child, in 1...
by ze233
Thu Jan 25, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 18071

Re: Dear wife quits job and now we are down to 1 income

Agreed as well. We saved a lot of money by buying Costco diapers and Costco brand formula. Their formula is made by the same manufacturers of Similac. Our newborn had no problems with it. Btw, I agree with the previous poster that your budget for formula and diapers seems high. This was my first tak...
by ze233
Mon Jan 08, 2018 7:33 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 12789

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I too find these posts helpful and inspirational. As someone still in the accumulation phase, they validate to me the Boglehead philosophy works. If the poster also posts their age, and how they did it, all the better. On more than one occasion through the years I've found myself searching the forum...
by ze233
Sat Jan 06, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is now not a good time to start investing?
Replies: 36
Views: 3233

Re: Is now not a good time to start investing?

+1. Living through 2008, it was a difficult time to stay in stocks, but I stayed the course and kept on investing. As you said, it turned out to be the best time to buy. I only wish now that I bought more in my taxable account back then. In August of 2008 I started my Roth IRA. $3000 lump sum and th...
by ze233
Fri Oct 13, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Pay-off Car Loan or Pay-down Mortgage?
Replies: 21
Views: 3373

Re: Pay-off Car Loan or Pay-down Mortgage?

You wiped out $180K of debt in 2 years. Kudos to you and thanks for the update, very inspiring. :sharebeer
by ze233
Thu Oct 12, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Beware of Malware at Equifax website
Replies: 6
Views: 1268

Re: Beware of Malware at Equifax website

Yeah.. apparently they got hacked again. This time their website:

http://www.latimes.com/business/la-fi-e ... story.html
by ze233
Wed Oct 04, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 5119

Re: another 2 comma club member

I love seeing these posts, they give me inspiration to keep on going.
I'm almost there myself, hopefully will be in the club in a couple more years.

Congrats!
by ze233
Wed Sep 20, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 29978

Re: Calling out the not so rich bogleheads

I will bite, I'm currently 34 and in the age range you mentioned... I lurked here for a long time, since 2005 as a 22 year old, before I created an account and started posting in 2015. I've never felt envious or scared off by all the millionaires, my goal early on was just reading and learning as mu...
by ze233
Fri Aug 18, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 9746

Re: Little P**S Ants

Try spraying a solution of Taurus SC (per the instructions) on the exterior of your home. Something like 12 inches up the side and 12 inches out. Should do the trick. Easy to mix, easy to spray, and the bottle will last you forever. 100% agree. I tried Terro and all the other DIY stuff for years wi...
by ze233
Sat Jul 01, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: DIY termite control
Replies: 14
Views: 2228

Re: DIY termite control

Agreed.. Termidor SC, or the generic Taurus SC is the most effective. I've also used it for ants and it gets rid of them quicker and for longer than every other product out there. All the other products I've tried worked for a few days before they came back. Termidor will protect you for years. Bora...
by ze233
Sun Jun 11, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 4427

Re: Lastpass anyone use it?

Yes. I use it too. Paid the $12 for premium version with no ads. I use the multifactor authenticator to my phone. Not a hassle for me at all.
by ze233
Sun Jun 11, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 2128

Re: Home heating oil capped price plan

$2.89 is pretty high. For reference, this past winter, when demand is generally higher, the highest I paid was $1.95/gal. In the past I have signed up for a capped price plan, but the deliveries always seem to be at the capped price unless I called to complain. I have since wised up and call on dema...
by ze233
Mon Feb 27, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 6500

Re: Car windshield wipers - go cheap or better?

Treating the windshield with rainX periodically will help even substandard blades perform very well. Takes very little time to do but I still get lazy and don't do it as often as I should probably. I have a buddy who uses the rainX wiper fluid but I haven't tried that myself. +1. RainX makes medioc...
by ze233
Wed Feb 22, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 9811

Re: New Boglehead Millionaire

Congrats!! Well, tell this newb how you did it in a nutshell!? Based on the earlier post: start with $500,000, invest that and 90% of corporate income over the next 5 years Yep, if you look at the first post, sounds like the OP is a very disciplined saver. OP: Congrats to you! I'm the same age, wit...
by ze233
Tue Feb 21, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 4420

Re: Staying at Disneyworld

OP, I suggest you become familiar with the process of renting points from a DVC owner for accommodations of the type you have referenced. I suggest once you know what the concept is, you visit the rent/trade board at mouseowners.com to deal directly with an owner. There are also DVC point brokers w...
by ze233
Sat Jan 28, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 70
Views: 7767

Re: Verizon to Cricket or StraightTalk

Another vote for Cricket. 5 lines for $100/month is too good too pass up.
Service is exactly the same as AT&T for me. 3 gb per line is nice, but we never use that much.
by ze233
Sat Jan 28, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Starting NYS 457(B)-The bigger picture.
Replies: 14
Views: 1345

Re: Starting NYS 457(B)-The bigger picture.

My wife has the same NYS 457 plan at T. Rowe Price. I put it all into Vanguard Wellington after being underwhelmed by the expense ratios of the T. Rowe Price target date funds. My 401k at employer is also 100% Wellington, while our IRAs are in Vanguard target date funds. We've been very happy with t...
by ze233
Thu Dec 29, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 144
Views: 23528

Re: TaxAct pre-purchase discount

Same here, been using TaxAct for the past 6 years, but going to switch this year due to the huge price jump.
It looks like TaxHawk.com, the same owners as FreeTaxUsa, is offering New Customers free Federal and one Free state.
I am going to try them this year.
by ze233
Mon Sep 05, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: PDF Split, Merge tool
Replies: 20
Views: 1956

Re: PDF Split, Merge tool

http://www.pdfsam.org

I use this one. The basic is free and open source and gets the job done for most tasks.
by ze233
Sun Aug 28, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 2714

Re: 2013 vs 2016 CR-V

Go new.. the 2013 is pretty bad in the small overlap crash test. The 2016 is much better. You can see the difference on YouTube.
by ze233
Tue Jun 07, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: House appraisal came in low but high enough for refi -- is it a big deal?
Replies: 10
Views: 949

Re: House appraisal came in low but high enough for refi -- is it a big deal?

Doing a refi on my mortgage, and the required appraisal came in low. Last appraisal was in 2011 and they said 392K. Since then we've done $45K in improvements and the local market is red hot, but this new 2016 appraisal is $375K. That's just silly. What is your current tax assessment? If the amount...
by ze233
Fri Jun 03, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 542066

Re: What's Your Credit Card Rewards Strategy?

This thread has been so interesting...thanks to everyone that has chimed in. I hope others out there have learned as much as me from reading this stuff! :D After the wealth of info I've taken in over the past couple of weeks...I'm still left wondering what is the best strategy for a type of family ...
by ze233
Fri Jun 03, 2016 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Best Card (debit/credit) to travel with
Replies: 25
Views: 2613

Re: Best Card (debit/credit) to travel with

traveler90 wrote:I only use the Chase Sapphire Preferred when I travel. 2x points on dining/hotels/airfare/other travel, and more valuable points than other cards in my opinion. No foreign transaction fees.
+1. Agreed with all those points
by ze233
Sun May 29, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Pre-Qualify for Auto Loan
Replies: 5
Views: 470

Re: Pre-Qualify for Auto Loan

For my last car purchase, I did get a pre-approval from my local credit union for a car loan. At the time, the car I wanted didn't have any financing incentive that was lower than the credit union rate. It was a nice peace of mind to have. If the dealer was able to give me a financing deal, I would'...
by ze233
Sun May 29, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 542066

Re: What's Your Credit Card Rewards Strategy?

I also read that Sapphire 2% doesn't apply to gas. Can anyone confirm? Confirmed. "Travel" does not include gas. It does include parking, tolls, commuter rail, rental car, airfare, and hotel though. The other great thing about Sapphire Preferred is it gives you primary insurance on car rentals. So ...
by ze233
Sun May 29, 2016 8:05 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 542066

Re: What's Your Credit Card Rewards Strategy?

Marriott points aren't worth much. A night at a decent Marriott is like 40k points where a decent Hyatt might be 12k. That said, 80k points + a free night should be at least 3 nights, so maybe that is better. But the Marriott card does have an $85 annual fee after the first year. My perspective is ...
by ze233
Sun May 29, 2016 6:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 542066

Re: What's Your Credit Card Rewards Strategy?

Gemini wrote:This is a great read. Do you guys use points when you go on business trips as well? Are you able to deduct cash value if you go on a business trip paid with points?
On business trips I use my personal credit cards to accumulate points and then expense the charges to the company.
by ze233
Sun May 29, 2016 6:20 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 542066

Re: What's Your Credit Card Rewards Strategy?

Count me as another using Chase Ultimate Rewards. Wife and I use it exclusively for the great value in travel redemptions. My cards: Chase Freedom - Spend on 5% rotating categories Chase Sapphire Preferred - 2% dining and travel purchases Chase Freedom Unlimited - 1.5% spend on everything else Chase...
by ze233
Sat May 21, 2016 5:48 am
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1963

Re: I got a home loan from Wells Fargo ; should I shop around?

Having recently gone through a refinance myself, I would suggest you look into rates being offered by your local credit union. During my search the best rates and lowest fees were with two local CUs. I was able to refi a 15 yr at 2.5%. The big banks all couldn't get below 3% and had higher closing c...
by ze233
Sun Apr 17, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 8326

Re: How Did You File Your Income Taxes for 2015?

I've been using TaxAct since 2009. They have a deal every year where federal and state are 11 to 15 dollars. This year I also got in on the 14.98 deal.
by ze233
Sat Feb 06, 2016 1:06 am
Forum: Personal Consumer Issues
Topic: COSTCO Membership Offer at LivingSocial
Replies: 10
Views: 3031

Re: COSTCO Membership Offer at LivingSocial

Yes, I was a household member under my wife's account.
As long as you weren't a primary account holder after October 1, 2015, you are a new member.
When I signed up, they actually saw I had a membership # already that just expired, but since I wasn't the primary, I qualified as a "new" member.
by ze233
Fri Feb 05, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: COSTCO Membership Offer at LivingSocial
Replies: 10
Views: 3031

Re: COSTCO Membership Offer at LivingSocial

Their definition of new member for this deal is anyone who wasn't a primary account holder after Oct 1, 2015. The timing worked out well for us. Our Costco membership expired last month, but the primary account was in my wife's name. I went to redeem the voucher tonight, but used myself as the prima...
by ze233
Fri Feb 05, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Where to buy Subaru Outback Accessories
Replies: 7
Views: 1136

Re: Where to buy Subaru Outback Accessories

I bought a Forester last year and and bought my accessories at subaruonlineparts.com I found them because they were a supporting vendor on a subaru forester forum I visited and had postings that were helpful to the members there. If you look at their address, it's actually the same address as a deal...
by ze233
Wed Jan 20, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus Federal + State - $15!!
Replies: 32
Views: 4573

Re: TaxAct Plus Federal + State - $15!!

Thanks! I've been waiting for their yearly deal. This worked for me, though I had to create a new account. You can verify you got it by going to 'My Return' in the upper right --> Manage My Returns, click Continue to My Account, if you get a popup. Under 2015 Returns, It lists 1040 Plus at a price o...
by ze233
Thu Dec 31, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: A dead year, never get it back
Replies: 90
Views: 12755

Re: A dead year, never get it back

It's been a great year for me! Maxed out all tax advantages accounts and hit savings goals in taxable accounts with plenty of years left for my investments to grow for retirement. I also stayed gainfully employed all year and my friends and family are all in good health. Here's to hoping that 2016 ...
by ze233
Tue Jul 21, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job as a software developer?
Replies: 58
Views: 8672

Re: How to get a job as a software developer?

You may also want to look into getting some professional certifications. If you like Java, the Oracle Certified Professional for Java exam is highly regarded in the industry. When I interview candidates, if they have that certification, I know they know Java inside and out. It's a difficult exam, bu...
by ze233
Sat Jul 04, 2015 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for early 30s couple
Replies: 5
Views: 1352

Re: Portfolio Advice for early 30s couple

Thank you Grt2bOutdoors. Those allocations make a lot of sense, doesn't seem too complicated to maintain, and have an expense ratio I can live with.
I'm going to switch into them next week. Thank you so much!
by ze233
Sat Jul 04, 2015 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio/Investing Advice for Mid 30’s Couple
Replies: 13
Views: 1963

Re: Portfolio/Investing Advice for Mid 30’s Couple

Hi, I'm not an expert, but am in a similar age bracket as you so I'll share some of the things I've done or would do. 1. Emergency fund - I put my money in a high yield savings account to maintain liquidity. I currently have it parked at Ally Bank for 0.99%. Easy to transfer to my checking account i...
by ze233
Fri Jul 03, 2015 10:33 pm
Forum: Investing - Theory, News & General
Topic: How did you start?
Replies: 35
Views: 4675

Re: How did you start?

I graduated college in 2005 at age 22 and found a decent entry level job for my profession several states away from any friends of family. The first month in my new place I read The Millionare Next Door and the Automatic Millionaire and realized the power of compound interest. Also during that time,...