Search found 2096 matches

by Da5id
Tue Nov 05, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

If you want to keep it even more simple, you can just do the combo of CSR for travel and dining and Chase Unlimited for everything else :sharebeer That is good, I have and use both of those myself. But he might as well keep Costco Card and continue to use it at least for gas (4% is better than you ...
by Da5id
Wed Sep 25, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 48
Views: 4422

Re: Chase Freedom Q4 category - how to use? [2019]

With gas stations, you need to see if the bonus only applies "at the pump". I'd do a small test purchase before loading up. When I've done it, it was coded as a gas purchase and worked. Mind you, some gas stations won't take credit cards for gift cards, and others have a limit of $100 per purchase....
by Da5id
Wed Sep 25, 2019 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 48
Views: 4422

Re: Chase Freedom Q4 category - how to use? [2019]

When drugstores are included for the category, I grab gift cards for other retailers. Home Depot, Amazon, restaurants. Amazon was/is useful for holiday times, I ship items right to the recipient. CVS, Walgreens, Rite-Aid, I've never had a problem. That's a good idea. I'll keep an eye out for that. ...
by Da5id
Tue Sep 24, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 48
Views: 4422

Re: Chase Freedom Q4 category - how to use? [2019]

The fact that only the first $1500 earns the 5% cashback is why I never bothered with these cards, I'm surprised they're so popular. I value Chase points at 1.5 cents per point (often can be better). I have Chase Sapphire Reserve and can transfer to partners. So that gets me up to $450 per year. I ...
by Da5id
Mon Sep 23, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 48
Views: 4422

Re: Chase Freedom Q4 category - how to use?

Thanks for the suggestions (and happy to hear more). Wish they had done an easier category for me (they've done Warehouses in the past, that one is easy). I'll do some gift cards and dribs and drabs of gas and such, but don't expect to hit $1500. And yes, it is odd they picked Chase Pay given that i...
by Da5id
Mon Sep 23, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 48
Views: 4422

Chase Freedom Q4 category - how to use? [2019]

The Q4 5% reward category for Chase Freedom Visa is Dept Stores Chase Pay PayPal Any suggestions of good ways to spend? I won't spend on things I don't ordinarily want. I don't do much with Dept Stores, I don't use Chase Pay (installed it, but not widely accepted), and don't do lots of PayPal. I fou...
by Da5id
Thu Jun 27, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Can 529 pay for rental fee?
Replies: 4
Views: 772

Re: Can 529 pay for rental fee?

Like much of the tax code, you won't find these types of answers in section 529 of the tax code or any IRS guidance or publication. You just have to use a reasonable degree of inference. Any necessary housing expenses would be qualified educational expenses. Also thanks! Poking at 529 rules, I also...
by Da5id
Tue Jun 25, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can 529 pay for rental fee?
Replies: 4
Views: 772

Re: Can 529 pay for rental fee?

renue74 wrote:
Tue Jun 25, 2019 2:27 pm
Yes it can.
Thanks. I couldn't find anything in the IRS Pub, which made me dubious.
by Da5id
Tue Jun 25, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can 529 pay for rental fee?
Replies: 4
Views: 772

Can 529 pay for rental fee?

My son is living off campus next year. Assuming the total rental+food cost doesn't exceed the housing allowance (the cost his school charges for room and board), can I reimburse from my 529 for an agency rental fee that was charged for the apartment? It feels like part of the cost of housing, but I'...
by Da5id
Mon Jun 24, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

Heads up... Citi is ending Price Rewind on Sept 22nd. That used to be one key benefit of the Citi Doublecash over the Fidelity Visa https://www.doctorofcredit.com/citi-to-end-price-rewind-program-on-september-22nd-2019/ Were there folks that actually used this feature? Yep, I've used it successfull...
by Da5id
Sat Jun 08, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

Been doing manual updates of NAV for a while now that my auto updates went EOL. Not really that burdensome. As a bogleheads side benefit, I used to be in the habit of updating investments whenever I opened quicken to enter a transaction. I now update investments at most weekly, mostly to see if re-...
by Da5id
Sat Jun 08, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

I forget what Quicken costs annually. There are certain things that are more valuable than their price: smart phones, fast Ethernet, excellent Wi-Fi, and Quicken among them. If it came down to not wanting to pay for Quicken, I’d get a job. I'd insert "to me" in your statement above after the word "...
by Da5id
Fri Jun 07, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

Been doing manual updates of NAV for a while now that my auto updates went EOL. Not really that burdensome. As a bogleheads side benefit, I used to be in the habit of updating investments whenever I opened quicken to enter a transaction. I now update investments at most weekly, mostly to see if re-b...
by Da5id
Thu Apr 04, 2019 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4626

Re: Amica hiked my insurance, thoughts on alternatives?

I got it down another 3.9% by paying in full for the year's auto insurance. So after sending in kids grades for "good grades" discount, dropping collision on my older (2005) car that wasn't really warranted, and the paid in full discount, it is a bit cheaper than last year. Glad I looked into it :)
by Da5id
Wed Mar 20, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4626

Re: Amica hiked my insurance, thoughts on alternatives?

F150HD wrote:
Mon Mar 18, 2019 9:26 pm
thought I read this exact same thread a few months ago
If threads weren't duplicated we'd not have a forum :) e.g. "Do I need international stocks" or "Why bonds" threads. I did search before I posted this, but didn't find something recent I thought was a dup.
by Da5id
Mon Mar 18, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4626

Re: Amica hiked my insurance, thoughts on alternatives?

As an update, the increase has been knocked back some. Turns out they didn't have my kids grades for the "good student discount". Also realized I should drop collision on my 14 year old car. So I'll give Amica another year. Geico was cheaper, but I do like Amica's service at least.
by Da5id
Sat Mar 16, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4626

Re: Amica hiked my insurance, thoughts on alternatives?

I’m glad this thread was started. I have been thinking of leaving Allstate because I feel like I must somehow be paying for their unbelievable number of commercials. Ironically, the first company I was going to call is Amica which had good ratings for price and customer satisfaction. I've really li...
by Da5id
Sat Mar 16, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Amica hiked my insurance, thoughts on alternatives?
Replies: 48
Views: 4626

Amica hiked my insurance, thoughts on alternatives?

Amica just hiked my auto insurance over 26%. With no obvious cause. No accidents ever, been a customer for over 20 years, cars depreciated by a year, and my kids are a year older (and hence at least in theory safer). I sent them a note asking why the hike and whether they really want to lose a long ...
by Da5id
Thu Feb 28, 2019 8:10 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

They agree with a 60/40 split, as represented in target date and life strategy funds. One can say that the plebes aren’t ready for full global weight; or that some home bias is a good idea. It’s one or the other. If you read the current Vanguard white paper ( https://www.vanguard.com/pdf/ISGGEB.pdf...
by Da5id
Mon Feb 25, 2019 8:47 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

harvestbook wrote:
Mon Feb 25, 2019 8:44 am
Looks like China is up 5 percent today. Too bad U.S. investors only get 40 percent of that. Am I winning yet?
While I'm with you in theory, the results of individual days, months, or years don't really help make the point. They just feed into recency bias...
by Da5id
Mon Feb 25, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Actually since the 40% means you have 40% international investment, you should adjust your holdings to decrease it. Mr. Bogle suggested no more than 20% foreign, so clearly this is over-weighted. You should seek out sectors that have less international exposure.

(obviously not serious)
by Da5id
Sun Feb 24, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

oldzey wrote:
Sun Feb 24, 2019 10:40 pm
nedsaid wrote:
Sun Feb 24, 2019 7:23 pm
I drive a Toyota. Does that make me Internationally diversified?
+1

I drive a Honda.
I too have a Toyota. And an Acura. Only counts if you own the stocks of those fine companies :)
by Da5id
Sun Feb 24, 2019 10:47 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

They may still get bailed out, but I can see Vanguard under pressure before too long, to justify steering so many US investors away from Total US into Int., to their detriment, and for so many years now. Cost me a bundle, that's for sure. Have a look at the graph in this article of US vs Int'l perf...
by Da5id
Sun Feb 24, 2019 2:22 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Looking at demographic trends going forward is not looking in the rear view mirror. The cake has been baked, and the numbers aren't made up. We KNOW what the demographic future over the next few decades is for China, Korea, Western Europe, etc. And in your view are these known facts priced into mar...
by Da5id
Sat Feb 23, 2019 5:56 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Maybe the American stock market will just outpace all other countries in perpetuity for reasons or for luck. American exceptionalism except for cars. And US market cap will asymptotically approach 100% of world market cap. Because reasons. It’s conceivable that US stock total return will outperform...
by Da5id
Sat Feb 23, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

It will be amusing to read the threads the next time we have a 5-10 year period where international crushes the US. Granted maybe this time is different and the US will always outperform:) Well, when that happens the US will still be ahead for the 20 year period How can you possibly say that withou...
by Da5id
Sat Feb 23, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

whodidntante wrote:
Sat Feb 23, 2019 4:01 pm
Maybe the American stock market will just outpace all other countries in perpetuity for reasons or for luck. American exceptionalism except for cars.
And US market cap will asymptotically approach 100% of world market cap. Because reasons.
by Da5id
Sat Feb 23, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 10970

Re: "You're More Internationally Diversified Than You (Probably) Realize"

US equities are roughly 40% of world market cap. Why buy 40% of the haystack when you can buy the whole haystack?
by Da5id
Thu Feb 21, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

Hi there- I've finally wrapped my head around some of this credit card rewards stuff. I've read extensively about the Chase and Amex trifecta/quadfecta. I think the rewards for Chase work best for me. And I think I have an understanding of how you can pool the ultimate rewards onto the CSR and then...
by Da5id
Wed Feb 20, 2019 12:04 pm
Forum: Personal Investments
Topic: Girlfriend's Financial Advisor Recommendations...
Replies: 63
Views: 8351

Re: Girlfriend's Financial Advisor Recommendations...

OK, than it's currently outperforming the S&P as well. I'm not sure what index it tracks, but it's top holdings are all large-cap companies. No one's arguing its expense, nor do I own it, but to call a fund that's been outperforming the market for this long terrible doesn't make all that much sense...
by Da5id
Mon Feb 18, 2019 11:11 pm
Forum: Personal Investments
Topic: Girlfriend's Financial Advisor Recommendations...
Replies: 63
Views: 8351

Re: Girlfriend's Financial Advisor Recommendations...

Although the fees are high, I wouldn't say these are "terrible funds." SBLGX has consistently beaten the S&P for the last 10 years. Yes, but this is 20/20 hindsight. If index funds beat 80% of actively managed funds, then I can find funds that have outperformed index funds in the remaining 20%. But...
by Da5id
Thu Feb 14, 2019 5:07 pm
Forum: Personal Investments
Topic: Girlfriend's Financial Advisor Recommendations...
Replies: 63
Views: 8351

Re: Girlfriend's Financial Advisor Recommendations...

Best to stay out of the discussion since she wants to stay with an advisor who guides her to funds that pay him well. If she asks for your opinion give it. Has she asked? Because while the funds are terrible, it is her money. There is no need for an advisor in general, and her case is particularly ...
by Da5id
Thu Feb 14, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

If you fly business class number 2 and number 3 will be taken care of. There’s very short line at the business/premier, my husband got a kick out when they waved us through and addressed him as sir. I don't ever fly business class. And have gotten Global Entry for me and my two kids using different...
by Da5id
Thu Feb 14, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

I never pay for these huge fees, $450 a year. No way. I don’t manufacture spending. I’m very careful about those $95 per year fee. I only open credit card when I know I’m going to spend something. Otherwise everything goes to my cash rebate card like Costco. I agree with being cautious about fees a...
by Da5id
Thu Feb 14, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

You should always consider what it costs to purchase your points. All of this is discounted travel, not free travel. The only free lunch is manufactured spend which results in a net positive cash return. And those opportunities are few and far between. I generally do, and I keep records. Was just s...
by Da5id
Thu Feb 14, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4174
Views: 808449

Re: What's Your Credit Card Rewards Strategy?

Sometimes the costs of using rewards add up more than I’d expect. Example: I’m taking the kids to Kauai in July. I had been to the Grand Hyatt there before for brunch, and really loved the place. So I figured I’d see if we could spend 3 nights. But the cost! The “member rate” is $504/night. Plus $35...
by Da5id
Sun Feb 03, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7675

Re: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]

arcticpineapplecorp. wrote:
Sat Feb 02, 2019 11:27 pm
Don't get what he's saying.
Vanguard eating my lunch. Vanguard bad. Is that a good summary?
by Da5id
Sat Feb 02, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7675

Re: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]

As a number have said above, the proof is in the actual returns. If there were hidden costs, presumably VBTLX would lag its target benchmark by some large multiple of its expense ratio. It doesn't. That suggests those hidden costs aren't there, no? A total bond fund is not a good proxy for all the ...
by Da5id
Fri Feb 01, 2019 10:35 pm
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7675

Re: The dark side of Bond Funds ?

It's true that the expense ratio does not include bid-ask spreads. That's another reason why you should favor low turnover funds like index funds. The article mentions Vanguard Total Bond Market Index Fund in particular. Cosmo As a number have said above, the proof is in the actual returns. If ther...
by Da5id
Fri Feb 01, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving TaxAct, can't use FreeTaxUSA, any suggestions
Replies: 12
Views: 1207

Re: Leaving TaxAct, can't use FreeTaxUSA, any suggestions

Church Lady wrote:
Fri Feb 01, 2019 12:27 pm
Hopefully others will chime in with their experiences with K-1 income and rental income. Is your K-1 income from a PTP?
Thanks. Nope, not publicaly traded.
by Da5id
Fri Feb 01, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Retired applying for credit cards
Replies: 23
Views: 2537

Re: Retired applying for credit cards

As a followup, I applied for and got World of Hyatt Chase Visa a few weeks back (wanted Hyatt points upcoming trip). Specified by income as combination of K-1 income + current interest/dividends from all accounts (retirement and taxable). They gave me the card with a lowish ($5900) limit, but did ha...
by Da5id
Fri Feb 01, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Leaving TaxAct, can't use FreeTaxUSA, any suggestions
Replies: 12
Views: 1207

Re: Leaving TaxAct, can't use FreeTaxUSA, any suggestions

HRBlock Deluxe download will meet your need as well. Federal plus 1 state is about $20. Since I e-file NY and NY does not allow one to charge for e-filing, the total cost is about $20, but if you get the 5% rebate bonus on refund, then total cost could be negative. That's right: You could get paid ...
by Da5id
Fri Feb 01, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Leaving TaxAct, can't use FreeTaxUSA, any suggestions
Replies: 12
Views: 1207

Re: Leaving TaxAct, can't use FreeTaxUSA, any suggestions

Silk McCue wrote:
Fri Feb 01, 2019 9:16 am
Turbotax Deluxe will meet your need. Premier is not needed.

Cheers
I had the impression that for K-1 Real Estate you needed Premier. Looking at it more, you need Premier if using online version but any download/CD version will work, so thanks!
by Da5id
Fri Feb 01, 2019 9:17 am
Forum: Investing - Theory, News & General
Topic: [Seeking Alpha: The Dark Side Of John Bogle's Legacy]
Replies: 73
Views: 7675

Re: The Dark Side Of John Bogle's Legacy - Seeking Alpha

Huh, wouldn't this extremely expensive hidden cost show up as a big tracking error vs the target index? If you have a look here: https://institutional.vanguard.com/VGApp/iip/site/institutional/investments/performance?fundId=0584 It seems that the gap between the fund and the target index performance...
by Da5id
Fri Feb 01, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Leaving TaxAct, can't use FreeTaxUSA, any suggestions
Replies: 12
Views: 1207

Leaving TaxAct, can't use FreeTaxUSA, any suggestions

I had been a TaxAct user the last few years. Their escalating pricing has made me look at alternatives, and I had settled on FreeTaxUSA. But looking at it, I hit one of their "not supported" cases: Tax for children with more than $2,100 in investment income (Form 8615) I'd rather use a product that ...
by Da5id
Fri Jan 25, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

My quicken data (and usage) goes back to 1996. Just not losing the history of my data is enough for them to keep me. I think it's cool that I actually know exactly what my IRR portfolio return has been for my entire working career, for example. If i migrated to a new system, that history is just no...
by Da5id
Fri Jan 25, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

Strayshot wrote:
Fri Jan 25, 2019 8:16 am
There are many threads in the forum on this, at the top right of your browser screen there is a search bar try typing in “quicken” and start browsing through them.
I did this first, was just looking for any updated opinions from people. Things change out there
by Da5id
Thu Jan 24, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

I use the MS Money Sunset edition, it is free and downloads all my data. Me too. Looking at the Microsoft site, it doesn't list Windows 10 as supported. Is it? Something I read elsewhere said it didn't do stock quotes and such. If not, how would it be better than me just sticking with Quicken 2016 ...
by Da5id
Thu Jan 24, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Re: Quicken alternatives?

I was unexcited about the annual subscription too, until I was honest to myself about why they did it. They're 2nd to none, and they know it. I'd recommend paying up. Was 2016 the first time you used quicken? If not, and you bought versions before that, then why the issue with the annual subscripti...
by Da5id
Thu Jan 24, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken alternatives?
Replies: 47
Views: 4182

Quicken alternatives?

My Windows Quicken 2016 will go "end of life" in April 2019. Meaning no downloads of stock prices, no downloads of credit card info. I'm unexcited about the annual subscription cost/model, it doesn't seem worth it for my use case. My initial plan is to live with the disabled online functionality and...