Search found 265 matches

by teamDE
Tue Oct 15, 2019 12:41 pm
Forum: Personal Investments
Topic: Where to Put "Extra" Taxable Savings
Replies: 28
Views: 3455

Re: Where to Put "Extra" Taxable Savings

To me, all money is retirement money. I invest it to our desired AA. The sooner we hit the number, the sooner we retire.
by teamDE
Tue Oct 08, 2019 2:13 pm
Forum: Personal Investments
Topic: Excellent Adventure in Taxable?
Replies: 27
Views: 3549

Re: Excellent Adventure in Taxable?

OP, this is at least the second post you've made asking for help setting up the "excellent adventure". Frankly, it shows that you don't yet understand a lot of fundamentals. I'd highly recommend you pump the brakes on this and bone up on the basics first so that you fully understand what you're gett...
by teamDE
Wed Oct 02, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3623

Re: Non stick pan preference?

Wirecutter suggests this one. They are usually pretty good about what they suggest so I tend to trust them. https://www.amazon.com/Tramontina-80114-535DS-Professional-Restaurant/dp/B009HBKQ16 https://thewirecutter.com/reviews/best-nonstick-pan/ I have two of these and we're very happy with them. We...
by teamDE
Wed Oct 02, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

So about three months ago i went from having the same CC for the past 15 years to.. several. I had some home repair expenses that i could use to achieve much of the min spend to get the sign up bonuses. It's now been a little over three months and this is what i've actually got/redeemed so far: Amex...
by teamDE
Tue Oct 01, 2019 1:29 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth through Fidelity
Replies: 22
Views: 2075

Re: Mega Backdoor Roth through Fidelity

my wife's plan allows us to contribute after-tax and automatically convert to Roth "instantly" at each paycheck which is nice. Unfortunately, they don't allow in-service distributions so i can't roll it out to a Roth IRA. Not a big deal though as the fund choices in the 401k are fine. We also have t...
by teamDE
Mon Sep 30, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4532

Re: Mouse in the house

Glue traps are awful, please don't use them. A simple/cheap snap trap is far more humane. Better yet a have-a-heart trap (the metal ones that look like a maze work great), but you have to take them to a place a few miles away and also clean out the trap which is a pain.
by teamDE
Sat Sep 28, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 5162

Re: New Credit Card Search - 2 Front Runners?

fwiw, the Citi DC is a Visa World Elite. I think we get a $10 Lyft credit every ten rides or something like that for it. Not sure what else is does, honestly.
by teamDE
Sat Sep 28, 2019 7:30 pm
Forum: Personal Investments
Topic: Heads-up: Vanguard Federal MM higher TEY than Prime/Treasury MM for many
Replies: 11
Views: 2636

Re: Heads-up: Vanguard Federal MM higher TEY than Prime/Treasury MM for many

The math for calculating the effective yield of the federal MM so we can all do this at home i believe is: effective yield = yield*(1-fedtax)/(1-fedtax-statetax) Which is better for someone in the 32% bracket with 5.01% state tax? VMMXX: 2.01% VMFXX: 1.94% 1.94%*(1-32%)/(1-32%-5.01%) = 2.09% So in t...
by teamDE
Sat Sep 28, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 5162

Re: New Credit Card Search - 2 Front Runners?

Don't be afraid of a card just because it has an annual fee. Many of the best rewards cards have an AF, just be mindful of the benefits and be sure to use them to compensate for the fee. A good example is an airline card which gives a free checked bag. If you fly that airline for two round-trips a ...
by teamDE
Wed Sep 25, 2019 4:25 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2708

Re: Please help me invest a little sentimental mad money

I do understand that in general, an etf may be a better choice if this money will be in a taxable account, but not sure what you mean about VG's proprietary process. Does this mean that if I choose a mutual fund thru VG that I may not have to worry so much about capital gains of a mutual fund vs. a...
by teamDE
Wed Sep 25, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 5162

Re: New Credit Card Search - 2 Front Runners?

I may still get the amazon one for amazon shopping only. Is there any detriment to getting a few cards for different things? I understand having more available credit can benefit credit score? My limit is currently very small. Nope. The more credit available and the less you use of it the better. A...
by teamDE
Wed Sep 25, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 5162

Re: New Credit Card Search - 2 Front Runners?

Don't be afraid of a card just because it has an annual fee. Many of the best rewards cards have an AF, just be mindful of the benefits and be sure to use them to compensate for the fee.

Uber VISA and Citi DoubleCash are also good all rounder cards with no AF.
by teamDE
Wed Sep 25, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Is it out-of-style for business women to wear pantyhose?
Replies: 19
Views: 4625

Re: Is it out-of-style for business women to wear pantyhose?

My wife is 38 and a "higher up" at a tech company in Cambridge, MA and tends more toward a classic style. In the 10 years i've known her i've never seen her wear panty hose. She does wear full on tights with dresses in the winter. Like black tights w/ black dress. FWIW.
by teamDE
Wed Sep 25, 2019 8:43 am
Forum: Personal Investments
Topic: Currently invested in 100% stock
Replies: 130
Views: 14266

Re: Currently invested in 100% stock

We're 38 and 80/20 not counting our EF. It's not like VBTLX is a dog, it's up almost 9% YTD.

35yrs old+ and 100% stocks is very aggressive per conventional BH wisdom.
by teamDE
Tue Sep 24, 2019 3:43 pm
Forum: Personal Investments
Topic: what income level should I switch from rIRA to tIRA?
Replies: 21
Views: 1712

Re: what income level should I switch from rIRA to tIRA?

Keep in mind that the advantages of Roth IRAs are compounded when you are many years away from retirement as the account GROWTH is tax free (and you can expect quite a bit of growth before you retire). With a traditional contribution, you get an immediate deduction but if your portfolio triples or ...
by teamDE
Fri Sep 20, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 8491

Re: Alternatives to Subaru Outback?

If it's big enough for your needs, i'd recommend the VW Golf Sportwagen or Alltrack. We have the GSW 4Motion S which is a base model. It's a surprisingly nice driving chassis. We were originally considering Volvos and Audis, but we got this sucker new for $23k, just too good a deal. My MIL has a bra...
by teamDE
Fri Sep 20, 2019 2:24 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth vs. Taxable - Guideline?
Replies: 21
Views: 1109

Re: Mega Backdoor Roth vs. Taxable - Guideline?

You cannot withdraw from the Roth 401k while you are employed at that particular employer. Very similar to the traditional 401k rules. While IRS regulations prohibit the in-service withdrawal/rollover of employee elective contributions in a designated Roth 401k account prior to age 59 1/2. The IRS ...
by teamDE
Fri Sep 20, 2019 12:18 pm
Forum: Personal Investments
Topic: Mega Backdoor Roth vs. Taxable - Guideline?
Replies: 21
Views: 1109

Re: Mega Backdoor Roth vs. Taxable - Guideline?

If you have no need to access the money before you retire (after the age of 59.5), then mega backdoor roth is definitely better than taxable. It sounds like $50k makes up your emergency fund and total taxable investments. It sounds like you are not comfortable with only that amount. I suggest you m...
by teamDE
Thu Sep 19, 2019 4:20 pm
Forum: Personal Investments
Topic: Need help grading my "Fee Only" provider
Replies: 59
Views: 4951

Re: Need help grading my "Fee Only" provider

MUCH improved! If you want to further simplify, consider your asset allocation across the entire his+Hers portfolio as a whole instead of within each account. For example, you might be able to put ALL the bonds into a single fund in only one of the 401ks. Maybe you can put all the international into...
by teamDE
Thu Sep 19, 2019 3:57 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2708

Re: Please help me invest a little sentimental mad money

That will greatly simplify taxes as you will then have a clean tax lot without having to track cost basis, something Vanguard is notorious for not doing accurately. I'll let others guide you on Vanguard funds as I am not a fan of Vanguard though I am a Flagship member. I do not believe you mentione...
by teamDE
Tue Sep 17, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 39
Views: 2131

Re: Mustang...GT or Ecoboost?

GT. A Mustang needs to sound like a Mustang to be a Mustang. :D
by teamDE
Tue Sep 17, 2019 2:13 pm
Forum: Personal Investments
Topic: Please help me invest a little sentimental mad money
Replies: 40
Views: 2708

Re: Please help me invest a little sentimental mad money

That's a great story and idea. If you simply want to keep it separate, just open another taxable account at Vanguard and put it there. Maybe invest it in something she might be interested in, or fun, or reasonable, etc to suit. You could also put it in a Donor Advised Fund so that it is being invest...
by teamDE
Thu Sep 05, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I do a Backdoor Roth now or wait?
Replies: 6
Views: 436

Re: Should I do a Backdoor Roth now or wait?

There's only so much tax-advantaged space per year and when its gone its gone. Definitely use this year's space.
by teamDE
Thu Sep 05, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: 25 y/o, What’s the best plan for me right now?
Replies: 9
Views: 708

Re: 25 y/o, What’s the best plan for me right now?

#1 pay off student loan, use the $10k in 2% savings as mentioned. also sell cryptos and put toward loan. Seems like with your bills and income you should make short work of the remainder
#2 consider Roth IRA as next investment vehicle, max it out
#3 increase 401k contribution until you can max it out
by teamDE
Sun Aug 18, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11381

Re: Aliens have captured my husband [wants to buy a Porsche]

Porsche: yes
Panamera: no

Look at 981 Cayman S. Really fun car, and quite reliable.
by teamDE
Sun Aug 18, 2019 7:38 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3592

Re: Battery powered lawn mower

I'm on my third summer with the Ryobi 40V. Very happy with it. Battery/electric power is indeed a game changer. I also have the Ryobi 40V chainsaw and its pretty good for small stuff. I cut down and chopped up a 10" tree with it.

Half of my street has the Ryobi lawn mower now, kinda funny.
by teamDE
Fri Aug 16, 2019 7:54 pm
Forum: Personal Investments
Topic: asset allocation review for newbie
Replies: 6
Views: 584

Re: asset allocation review for newbie

For best responses you'll want to post the "big picture" using the "Asking Portfolio Questions" template posted as a sticky thread in this forum.

:sharebeer
by teamDE
Fri Aug 16, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 70
Views: 10096

Re: Best secure email to use instead of gmail?

^again, i believe the issue is more of privacy than security. Gmail is very secure, but it is certainly not private. They scrape it for all its worth in order to sell your profile to advertisers.
by teamDE
Fri Aug 16, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5633

Re: I wanted to teach myself computer programming.

I'd also recommend Python to start. A great book is "Python Crash Course, 2nd Edition: A Hands-On, Project-Based Introduction to Programming". It's based on fun projects including one Space Invaders game that you program with the PyGame engine. If you want to start learning about game mechanics that...
by teamDE
Thu Aug 15, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 3031

Re: Hotel recommendation for Cambridge / Boston

Back when I was in Cambridge, visiting family would usually stay well outside the area. I don't remember the name of the town, but looking at a map, it was over West by Concord, Wayland, etc. They would just rent a car and drive to Cambridge every day. The daily price of a car and hotel was signifi...
by teamDE
Thu Aug 15, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 3031

Re: Hotel recommendation for Cambridge / Boston

Brand new. Very walkable. http://www.theportersquarehotel.com/rooms-en.html I was going to recommend this one as well. I work near by and we recommend it to visiting business folks. It's right in Porter Square which is basically right next to Davis Square which is a fun/hipster place to hang out. (...
by teamDE
Thu Aug 15, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Request help with Orbi router setup
Replies: 13
Views: 1186

Re: Request help with Orbi router setup

Yesterday evening I was in Costco planning to get TP-Link Deco M9 router but there were none. There was, however an Orbi router with one satellite that jumped in my basket and refused to leave. I decided to adopt it. When I got home I set it up with the Orbi app with no problems...it was an amazing...
by teamDE
Wed Aug 14, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards Rewards Strategies - AmEx vs AmEx
Replies: 7
Views: 1219

Re: Credit Cards Rewards Strategies - AmEx vs AmEx

The platinum 100k SUB offer is as good as it gets and somewhat hard to find. It's generally worth it to sign up and pay the $550 annual fee in exchange for the SUB. Long term, make sure you understand the perks and credits and weigh them against the $550 fee. Personally, the card isn't a good fit fo...
by teamDE
Sun Aug 11, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

Amex Blue Business Plus is a great 2% on everything card. Prob 90% of our purchases are on the Amex Gold + Amex BBP combo. Chase Amazon for Amazon/wholefoods and Chase CIP for travel rounds it out. Also have Chase CSP, but pretty much only for the SUB as its outgunned by other cards for spending.
by teamDE
Sun Aug 11, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 45
Views: 4181

Re: Should we move

While you have a great logistical situation now, i think a 20min commute would still be in the "great to good" category in my book. I'd be willing to do that for a bigger comfier house for sure.
by teamDE
Tue Jul 23, 2019 8:13 pm
Forum: Personal Investments
Topic: Is my understanding of Mega Backdoor Roth correct?
Replies: 7
Views: 790

Re: Is my understanding of Mega Backdoor Roth correct?

It doesn't look like you have the "after-tax" option. My wife has her 401k with Fidelity and that same screen does have "After-tax" as an option.
by teamDE
Wed Jul 10, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 3063

Re: New budget SUV vs used luxury SUV

My first thought was the new Mazda CX5. They're quite nice and drive even better.
by teamDE
Tue Jul 09, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

Yep, our core/every day system is Amex Gold for 4x dining/groceries Amex Gold for 3x flights Amex BPP for 2x everything else Amazon Visa for 5% Amazon/Wholefoods That covers almost all over our spending, but in addition i have CIP for mostly SUB, but also 3x rental cars, hotels, phone/internet CSP f...
by teamDE
Tue Jul 09, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 8589

Re: (Tall) Buyer Beware: Honda Accord.

I'm 6'4 and also have problem in many japanese cars. A Camry's visor is right at my eye level which is insanely annoying. Headroom is fine, it's just the top of the windshield and visor is too low. My Mom's Accord Coupe is even worse. I've found German cars in general to have taller roofs, particula...
by teamDE
Tue Jul 09, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

^good research and info. It be very interesting to have it compare to other rewards systems and determine how much a rewards point would have to be to match BoA. For example Amex Gold 4x Dining would require 1.31c/MR point valuation to match.
by teamDE
Mon Jul 01, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 45
Views: 3834

Re: Opinions on bicycle disc brakes?

I have Shimano hydraulic disc brakes on my mountain and road bikes. Both work excellently and haven't required any maintenance or bleeding. I don't use pad spacers when i take the wheels off or fuss over them at all. They always just work. I wouldn't advise any mechanical disc brakes except for Avid...
by teamDE
Wed Jun 26, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: BOA Credit Card Linked to Merrill for 2.625%
Replies: 53
Views: 4253

Re: BOA Credit Card Linked to Merrill for 2.675%

Keep in mind, at least on the Cash Rewards card, the bonus category bonus only applies to the first $2500 of spending per quarter. Then you get the base 1%+bonuseMultiplier on everything.

This is pretty significant.
by teamDE
Tue Jun 25, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Chase UR vs AmEx MR for economy flights and inflexible schedules?
Replies: 24
Views: 1936

Re: Chase UR vs AmEx MR for economy flights and inflexible schedules?

I've found the Chase travel portal to have inflated prices. I booked a hotel last night and the UR portal cash price was like 20% higher. Interestingly, when i divided the cheapest cash price i could find (direct at the hotel) by the Chase points cost, it was exactly 1c per UR point. Interesting... ...
by teamDE
Fri Jun 21, 2019 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

I've been pleasantly surprised on how much i've gotten out of my Amex linked Ebates account. I have 4300 points not counting the 1500pt signup bonus in the past month. That's $58 at a minimum. I normally figure an Amex point is 1.5cents so $87.

I've also been happy with Amex Offers.
by teamDE
Thu Jun 20, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 6149

Re: Single cup coffee/espresso options, 2019

All wrong. :oops: Do it like the Italian people do it since many decades. Bialetti Express. Get some good beans. A grinder (automatic ones from Braun) and you are set. Will cost you around $50 all together and you are set for a awesome espresso. https://www.amazon.com/Bialetti-Express-Espresso-Make...
by teamDE
Thu Jun 20, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 6149

Re: Single cup coffee/espresso options, 2019

There are good drip machines. Bonavita makes a good one that's not too pricey.

I currently use a french press at the office, but i think i'm going to switch to Nespresso soon since its faster/easier.
by teamDE
Thu Jun 20, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 6149

Re: Single cup coffee/espresso options, 2019

I would get: 1) electric water kettle 2) french press and/or pour over (french press comes in various sizes and 1 cup = 4 oz). If you want coffee that's BETTER than starbucks and local chains, I would also get a grinder and buy whole beans from a local roaster (if available). Easy times. You can ma...
by teamDE
Thu Jun 20, 2019 3:09 pm
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 6789

Re: Highest % cash back credit card

BoA Cash Rewards limits the bonus to $2500/quarter. We have this card and can hit that in month which made us look elsewhere. DW now has a Citi DC (2% flat unlimited) for her "everything else" card and I have the Amex Blue Business Plus (2% flat up to $50k/yr). In addition we have the Amex Gold for ...
by teamDE
Wed Jun 19, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

Jags4186 wrote:
Tue Jun 18, 2019 11:35 pm
Ask what the discount is for paying check. Then ask what the discount is for paying cash.
Good question, I asked and no discount. Same price no matter what. It's a fairly big outfit so they probably try to keep consistent.
by teamDE
Wed Jun 19, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806768

Re: What's Your Credit Card Rewards Strategy?

... $5500 left. ... Everything else is 1x, so i guess back to the CIP. I'm tempted to ask the wife to get a Chase Freedom Unlimited which has 3x to get more UR. So, at 3x vs 1x, that's a 2x advantage for $5,500 spend = $110, if valued at 1 point = 0.01. (Does the CIP multiply redemptions as the Sap...