Search found 2122 matches

by Da5id
Sun Jun 21, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

Pay Yourself Back began May 31 and ends December 31. Not unless it has been extended and I haven't seen it--it ends September 30, 2020. I know because I am trying to get rid of all my URs by then. I"m not trying too aggressively to get rid of URs (probably have too many), but just started cashing t...
by Da5id
Wed Jun 17, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

Wonder if there will be a new bonus category after June ends for CSR? Guess it depends on whether their retention numbers for existing cardholders are acceptable to them or not? It's the same as the Freedom 5% category I believe....so if you have the Freedom card it's no advantage. Welp, I maxed th...
by Da5id
Wed Jun 17, 2020 11:35 am
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

Wonder if there will be a new bonus category after June ends for CSR? Guess it depends on whether their retention numbers for existing cardholders are acceptable to them or not?
by Da5id
Tue Jun 16, 2020 9:57 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905493

Re: What's Your Credit Card Rewards Strategy?

So it is an interesting observation that if you can get 2% back on everything you spend with a credit card, that is a better yield than fixed income investments! Perhaps if you do not have a cash back card right now, it is a great time to get one. I'm unclear how the two are in any way related. Whe...
by Da5id
Tue Jun 09, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Verizon may be giving me money that is not mine
Replies: 22
Views: 2715

Re: Verizon may be giving me money that is not mine

I have a final bill now for -$625 and it says they will refund me that amount. But they don't owe me $625. It's some weird computer mistake. It's also in my old name (the bill was going to my old name because I couldn't never could get them to change it). I've tried to tell them not to refund me, t...
by Da5id
Sat May 23, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 124
Views: 10877

Re: Personal spending out of control after Covid-19

Overall expenditures are less. Both my kids are living at home (instead of at college) so utilities and food are way up. But without travel or entertainment costs, and with no dining out (occasional takeout), my monthly spending is way down.
by Da5id
Sat May 23, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: CapitalOne Venture would not forgive annual fee
Replies: 37
Views: 2424

Re: CapitalOne Venture would not forgive annual fee

Well, it certainly doesn't hurt to ask. And if you are willing to walk away, the call is a good use of time. In a similar vein, I expect Chase Sapphire Reserve customer support will be getting exhausted from people saying "I'm not paying $550 when I can't see travelling in the next year, give me som...
by Da5id
Sat May 23, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 376
Views: 32661

Re: The axe falls and I am prepared. What's next?

Depending on your state, you may well need to prove/document that you are searching for a job to collect unemployment. That was the case win Massachusetts, so I didn't collect when I was laid off and decided to retire. One caveat of course is how the country/world will recover from COVID. Whether a ...
by Da5id
Mon May 18, 2020 6:49 pm
Forum: Investing - Theory, News & General
Topic: Wall Street says stocks are very overvalued
Replies: 45
Views: 3986

Re: Wall Street says stocks are very overvalued

The market may be very overvalued. It may not.

If they are so confident, no reason to be telling us. They should be taking their own money and shorting the "most overvalued" stocks. Surely they will become wealthy doing so.
by Da5id
Thu May 14, 2020 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1657

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

I think there are some random ways to use it. For example, mass transit passes. Parking (sometimes?). EZPass (or other toll passes) can be prepaid with it, which is how I used my first years credit.
by Da5id
Thu May 14, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11486

Re: Dentist charges $10 for PPE

I'd pay it, but then I really like my dentist. I don't have dental insurance, so whatever. That said, I'd still be rather miffed on principle if not told in advance. I think that new surcharges in this and in other contexts should be disclosed before you show up rather than presented as a fait accom...
by Da5id
Tue May 12, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5398

Re: Where do you back up your important data?

I have little interest or inclination to sign up for perpetual annual payments for backing up my data, when I can achieve the same thing (with just a very slight increase in risk of data loss) by doing it locally using my own low-cost hardware and free software. Fair enough, each to their own. I ev...
by Da5id
Tue May 12, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5398

Re: Where do you back up your important data?

I'd like to think that Microsoft, google and the large backup sites have their act together from a security standpoint. I'd be happy to take that bet. These are going to be famous last words from you. Sometime down the road, I don't know when, but if and when a hack of these sites that purportedly ...
by Da5id
Wed May 06, 2020 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 10029

Re: How Do Early Retirees Pay for Medical

I'm an early retiree, single and 53 years old. If your income (MAGI) is controllable, ACA is a pretty good deal. In particular, if you can keep your MAGI between 200 and 300% FPL you can (at least on the Massachusetts health connector) get a very nice plan. Mine costs $326/month for one person with ...
by Da5id
Mon May 04, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5398

Re: Where do you back up your important data?

I use two things to back up my Windows desktop: 1) For local backup, I use the Windows 10 backup software to an external hard drive 2) For offsite backup, I use Backblaze. Used to use Crashplan before they went out of the consumer business to only serve Enterprise I certainly think it is a good idea...
by Da5id
Wed Apr 01, 2020 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

People aren't travelling, Lyft Pink isn't all that useful right now, etc. So they are trying to forestall people dropping CSR in masse this year? I really like Chase, but all I can say to the above is "Good luck Chase." Yeah. I was thinking of downgrading CSR before this all started, I'll be a hard...
by Da5id
Wed Apr 01, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

Apparently Chase is going to give a $100 credit for this years fee. I don't see anything about it on Chase's site, but it is reported here: https://onemileatatime.com/chase-sapphire-reserve-100-credit/ People aren't travelling, Lyft Pink isn't all that useful right now, etc. So they are trying to fo...
by Da5id
Thu Mar 12, 2020 6:17 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26657

Re: Who is staying course and how are you dealing with net worth going down?

Well, I'm staying the course. Retired 18 months ago, now have a bit less than when I retired. Just issued rebalances to Vanguard to sell some bonds and buy some VTSAX and VTIAX. That will bring me back into line with my chosen asset allocation. Will I be brave enough to do it again if we lose 20% mo...
by Da5id
Sun Jan 12, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

I asked Chase how the Lyft Pink signup worked, and they said As a Sapphire Reserve® Card customer, xxxxx, you have access to complimentary Lyft Pink membership for one year as soon as you activate the offer in the Lyft mobile app. Lyft Pink membership includes preferred pricing, priority airport pi...
by Da5id
Sun Jan 12, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

Doom&Gloom wrote:
Sun Jan 12, 2020 1:03 pm
IIRC the Sapphire Reserve Card is one of the few that charges a fee to add authorized users, so be sure to check that out.
It does indeed charge. He would be using my card and paying me.
by Da5id
Sun Jan 12, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

I asked Chase how the Lyft Pink signup worked, and they said As a Sapphire Reserve® Card customer, xxxxx, you have access to complimentary Lyft Pink membership for one year as soon as you activate the offer in the Lyft mobile app. Lyft Pink membership includes preferred pricing, priority airport pic...
by Da5id
Fri Jan 10, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 41954

Re: JPM Chase Reserve Card gets more expensive

Sigh, will have to sort out in October how I feel about changes.

Can one Lift Pink subscription be used by multiple people in the family as long as they all use the same CSR? Or is it a single Lyft account that is upgraded to Pink?
by Da5id
Fri Jan 10, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905493

Re: What's Your Credit Card Rewards Strategy?

You must have missed the news. Fee is going up to $550. Oops, yeah, I did. Just paid the $450 so wasn't aware it would change. I'll ponder when next year comes around, but am dubious the extra $100 will be worth it for me. May downgrade to CSP. Doordash and Lift Pink have some value to me, but not ...
by Da5id
Thu Jan 09, 2020 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905493

Re: What's Your Credit Card Rewards Strategy?

The question every CSR holder needs to ask themselves is whether they value all the ancillary benefits of the card enough to pay the $250 net AF. Where do you get $250 net? Fee is $450, $300 travel credit is as good as cash to anyone who spends $300 traveling per year (as most of us do, as "travel"...
by Da5id
Wed Jan 01, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: [Announcement for upcoming 2020 Boglehead Contest]
Replies: 73
Views: 4032

Re: 2020 Boglehead Contest

My highly scientific, nay guaranteed by the stars, guess is 3491.
by Da5id
Thu Dec 19, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 55
Views: 12322

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

As OP, have to say I've done pretty well with PayPal. For example, just bought Jet Blue tix using PayPal, who knew? Guess this quarter wasn't quite as bad as I thought. Won't max the reward, but over half way there.
by Da5id
Tue Nov 05, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905493

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: 55
Views: 12322

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: 55
Views: 12322

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: 55
Views: 12322

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: 55
Views: 12322

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: 55
Views: 12322

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: 797

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: 797

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: 797

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: 4663
Views: 905493

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: 125
Views: 9701

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: 125
Views: 9701

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: 125
Views: 9701

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: 50
Views: 5704

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: 50
Views: 5704

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: 50
Views: 5704

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: 50
Views: 5704

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: 50
Views: 5704

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: 11501

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: 11501

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: 11501

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: 11501

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: 11501

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: 11501

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...