Search found 266 matches

by investor997
Tue Jun 19, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 16
Views: 1419

Re: Take a job with a company being acquired?

Would you fit into the culture of Company A? Over time, the culture of Company B will be forced to change into the mold from Company A. That process is likely to be somewhat traumatic for Company B employees. Very few companies do acquisitions well... A's corporate culture is mostly unknown at this...
by investor997
Sun Jun 17, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520404

Re: What's Your Credit Card Rewards Strategy?

Thanks to the bonus from their Preferred Rewards program, I'm all-in on the BofA/ME approach. BofA Cash Rewards (5.25% gas, 3.5% groceries/Costco) BofA Premium Rewards (3.5% dining/travel, 2.62% general spend) Up until now I'd been placing all general spend on a Citi DoubleCash. I also have a Chase...
by investor997
Sun Jun 17, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: M1 Finance: What’s the Catch?
Replies: 10
Views: 1454

Re: M1 Finance: What’s the Catch?

I don't like services that buy stocks/ETFs in fractional amounts. It makes things really tricky when you decide to transfer them to a different brokerage. And you WILL try to transfer them out... someday. I learned my lesson with Betterment.
by investor997
Sat Jun 16, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 16
Views: 1419

Re: Take a job with a company being acquired?

I tend to agree. At this point I'm inclined to sit on the sidelines and wait for the merger to close. If I were in an untenable situation with my present employer I might think differently but since I'm not, I don't think it's worth the risk.
by investor997
Sat Jun 16, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Take a job with a company being acquired?
Replies: 16
Views: 1419

Take a job with a company being acquired?

Company A and Company B are both public companies. Company A recently announced they were going to acquire Company B. The deal hasn't closed yet as it is still pending regulatory and shareholder approval, but the odds are good that it will. It's assumed that significant "synergies" between the two w...
by investor997
Wed Jun 13, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 36933

Re: Bogleheads, tell me about your 40's?

Elsebet wrote:
Tue Jun 12, 2018 2:10 pm

A few small health related things I noticed is that I'm now a little afraid of falling when walking down steep slopes and my eyesight is declining noticeably.
Worsening eyesight sucks. :( I'm now one of those people who use my cellphone's flashlight function to read menus in restaurants.
by investor997
Tue Jun 12, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement
Replies: 74
Views: 7014

Re: Forbes: Millennials Aren't Having Kids Heres Why That's a Problem for Baby Boomer Real Estate and Retirement

OP, I wonder if your observation would be different if you weren't in Chicago or Illinois. This article came across my newsfeed not too long ago: http://www.chicagotribune.com/news/opinion/editorials/ct-edit-illinois-exodus-population-taxes-20180412-story.html I'm hardly an expert on the matter but ...
by investor997
Tue Jun 12, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520404

Re: What's Your Credit Card Rewards Strategy?

The "annoying" thing, IMHO, is that when you transfer $100k in, you have to wait for the rewards benefits to phase in because the rewards tier is based on a rolling three month average. I'm only at Platinum Rewards still, because my average is only at $84k this month. Trivia tidbit: With respect to...
by investor997
Tue Jun 12, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2692
Views: 520404

Re: What's Your Credit Card Rewards Strategy?

Thanks to the bonus from their Preferred Rewards program, I'm all-in on the BofA/ME approach. BofA Cash Rewards (5.25% gas, 3.5% groceries/Costco) BofA Premium Rewards (3.5% dining/travel, 2.62% general spend) Up until now I'd been placing all general spend on a Citi DoubleCash. I also have a Chase ...
by investor997
Fri Jun 08, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: What commuter car provides the best long term financial value?
Replies: 84
Views: 6541

Re: What commuter car provides the best long term financial value?

A coworker of mine just bought a 2018 Honda Accord Hybrid. The EPA rates it at 47/47. I was absolutely shocked at how nice and roomy it was, inside and out. He bought it through Costco. Price was $500 under invoice, or roughly $29,xxx for a loaded model. That might be more than a Prius but it's a wa...
by investor997
Fri Jun 08, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Porsche Macan
Replies: 28
Views: 3009

Re: Porsche Macan

A friend of mine just bought a Macan. He custom ordered it. He started by sending an email to all dealerships in the area stating his intentions and listing the exact build options he wanted, then asked each dealership to quote him. In the end, one dealership beat out all the others in terms of pric...
by investor997
Thu Jun 07, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 51
Views: 5861

Re: Trip to Hawaii - what do I need to know

Any suggestions on helicopter tour companies on the Big Island? Heading there in July, of course want to see the active lava flows. I would highly recommend Blue Hawaiian. Not sure how close they can get to the lava flows right now. Not sure if they are still doing DVD's, but in 2010, they would re...
by investor997
Wed Jun 06, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Just utilize the mega backdoor? Is it that simple?
Replies: 20
Views: 2129

Re: Just utilize the mega backdoor? Is it that simple?

How do you get ~$20K in cash into a mega back door all at once? My understanding is you have to enable after-tax contributions on your 401k first, then wait for the after-tax balance to build up somewhat before pulling the trigger.
by investor997
Wed Jun 06, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance for non-married couples
Replies: 17
Views: 848

Re: Insurance for non-married couples

If you maintain separate auto policies, make sure you add each other as authorized drivers on those policies if you ever drive each other's cars. Most insurance companies require you to notify them of other people living in your household who regularly drive your car. I ran into this situation with...
by investor997
Tue Jun 05, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Window replacement issue (egress)
Replies: 8
Views: 713

Re: Window replacement issue (egress)

This is where it becomes very interesting. It seems appropriate for you to agree to it and it should have been the same for the other six people who have replaced their windows. Any buyer or buyer's attorney would certainly see the legal covenant as a potential issue when doing due diligence and ne...
by investor997
Mon Jun 04, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Window replacement issue (egress)
Replies: 8
Views: 713

Re: Window replacement issue (egress)

megabad wrote:
Mon Jun 04, 2018 9:41 pm
Sounds like you have made the error of asking for permission rather than forgiveness.
Correct. If I had to do it over again...
by investor997
Mon Jun 04, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Window replacement issue (egress)
Replies: 8
Views: 713

Window replacement issue (egress)

I'm running into a window replacement issue concerning egress building code. The code states that bedroom windows must open to a minimum width, height and area for emergency exit purposes. When frame-in-frame vinyl replacements are installed, their openings are smaller than the originals due to the ...
by investor997
Mon Jun 04, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4639

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

Here in SoCal, my understanding is people start at SpaceX, burn out from the long hours and then transition to other nearby aerospace options which support a better work/life balance. JPL in Pasadena is a popular choice, but so are the other big defense guys like Boeing, Northrup Grumman and Raytheo...
by investor997
Mon Jun 04, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 6340

Re: Chase sapphire reserve versus BOF premium rewards

I only got the Premium Rewards card recently, and haven't booked any travel since that time yet. I wasn't even aware there was a BofA travel portal. I think this is mostly useful for those who have the Travel rewards card, not the Premium rewards, as the Travel rewards card gets 3 points per dollar...
by investor997
Sat Jun 02, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 6340

Re: Chase sapphire reserve versus BOF premium rewards

We keep both CSR ($450 AF + $75 AU fee) and the BoA premium rewards ($95 fee). Those are the only two cards with fees that we keep. The ME bonuses are more than $500, and you can rinse and repeat by transferring IRA one year to a competitor, and brokerage back the next year, etc. Can be a couple th...
by investor997
Fri Jun 01, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting. Most similar fund to VTI
Replies: 15
Views: 958

Re: Tax loss harvesting. Most similar fund to VTI

I use SCHB as a TLH pair to VTI.

More information here:
viewtopic.php?f=1&t=241233
by investor997
Thu May 31, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Kemper vs Amica home/auto insurance
Replies: 12
Views: 972

Re: Kemper vs Amica home/auto insurance

I switched to Kemper about 9 months ago as a result of an condo insurance quandary I posted about: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=221506 Kemper was able to provide the coverage I wanted (sewer line breakage specifically for a condo). Their auto coverage rates were also just as...
by investor997
Tue May 29, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Chase sapphire reserve versus BOF premium rewards
Replies: 48
Views: 6340

Re: Chase sapphire reserve versus BOF premium rewards

Can anyone with the BoA PR card comment on the flexibility of the BoA Travel Portal? I'm trying to understand what benefit it offers in terms of booking travel vs. simply redeeming the points for cash and booking elsewhere (direct airline sites, Expedia, whatever). For example, the CSR points can be...
by investor997
Fri May 11, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: New Job - Use High Fee 401k With Match or Other?
Replies: 31
Views: 1356

Re: New Job - Use High Fee 401k With Match or Other?

Find out if the 401k plan allows after-tax contributions and in-service rollovers. If so, you might be able to use it to facilitate Mega Back Door Roth IRA contributions.
by investor997
Tue May 08, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying portfolio for parents
Replies: 5
Views: 526

Re: Simplifying portfolio for parents

My only thought was that for now, my dad must sell shares to fund the RMD. It's a manual process. If my dad were ever incapacitated, my mom would not know how to do this. I suppose I'd be getting involved at some point but I'd like to automate this as much as I can. I'm certainly a beginner at all o...
by investor997
Tue May 08, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying portfolio for parents
Replies: 5
Views: 526

Simplifying portfolio for parents

Hi all, My father (80) recently told me “This is the last year I want to do our tax return. I think it’s best if you take over.” Big picture message: He wants me to start handling things. To that end, I’m starting to think about where to consolidate their assets and what to invest them in to make th...
by investor997
Mon May 07, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: Las Vegas shows
Replies: 22
Views: 2133

Re: Las Vegas shows

Le Reve at Wynn blew my mind. I've seen it twice.

Mystere kinda underwhelmed.
by investor997
Sun May 06, 2018 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a Condo -- Educate me on Insurance
Replies: 10
Views: 1090

Re: Moving to a Condo -- Educate me on Insurance

It depends on the type of building your condo is, but check to see if your insurance company offers sewer back-up coverage. I posted about this previously where one of my neighbors went through this (sewer line broke underground & caused toilet to flood with nasty effect). A bunch of finger pointing...
by investor997
Sat May 05, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 3168

Re: Vanguard: ETF vs MF

One other reason to consider ETFs in a taxable account is portability. I can buy and sell VTI at any brokerage and I can transfer it between brokerages without issue. The same cannot be said for its mutual fund equivalent, VTSAX. The downside to this is the inability to set up periodic, automatic in...
by investor997
Wed Apr 25, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 983
Views: 176307

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

BofA is also offering a $100 new account bonus for checking accounts that may work for some. This is in addition to whatever ME is offering:

https://promo.bankofamerica.com/choosey ... ng1/offer/
by investor997
Tue Apr 24, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Anything I should know about new windows?
Replies: 10
Views: 1458

Re: Anything I should know about new windows?

It can also reduce the opening required for an egress window (bedroom) to less than that required by code. This is my current dilemma. Building code in my area says bedroom egress windows must open to an area of at least 5.7 sqft. I've had two window manufacturers tell me the most I can get using r...
by investor997
Sun Apr 15, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2159

Re: New HVAC system

I'll be honest and admit I've never been happy with the performance of the original unit. It seems to generate more noise (coming from the air intake inside the house) than it does cool air. My townhome is only about ~1,300 sqft, but nearly all the rooms have tall/vaulted ceilings so there's a decen...
by investor997
Sun Apr 15, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 15
Views: 2159

New HVAC system

Hi all, I'm looking into a new HVAC system for my townhome. It was built in 1989 and the existing system is all original - brand name is Tempstar. The property is located in Orange County, CA and the system frankly hasn't been used much over the years - the climate is pretty mild here. Nonetheless I...
by investor997
Thu Apr 12, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 10697

Re: Mid-40s in tech - how to pass off as acceptably young

I'm an FAE in the "tech" industry - semiconductors, to be specific. Mid-40s. Across my customer base I've pretty much seen it all and I have a pretty good idea of the demographic cross section of engineers I call on. I've also tracked many of them from company to company as they've made career chang...
by investor997
Wed Apr 11, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 94016

Re: Bank of America/Merrill Edge - Preferred Rewards

Thanks for your replies. I have another question. Is it possible to set up automatic monthly payment for my credit card at BAC so that it pays off the entire balance each month? I found the BAC web site very confusing. It allows me to set up recurring monthly payment for a set amount but not for th...
by investor997
Tue Apr 10, 2018 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term investment options at BoA for 100K
Replies: 24
Views: 1475

Re: Short-term investment options at BoA for 100K

If you have enough ETFs/Mutual Funds elsewhere that would be enough to get you over the $100K threshold, consider moving them to Merrill Edge. Then you're free to move your $100K cash elsewhere, such as an online savings account (Marcus just upped their rate to 1.60%).
by investor997
Sun Apr 08, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Toyota 4 Runner
Replies: 39
Views: 3700

Re: Toyota 4 Runner

I have a 2004 4Runner (4th Generation). A bit older, but the current (5th Generation) trucks really aren't all that much different. Some thoughts: - the 4.0 V6 and 5-speed automatic have been in production since the mid-00's. They're extremely reliable. - it's one of the few vehicles that you could ...
by investor997
Thu Apr 05, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth and 1099-R taxable income
Replies: 7
Views: 696

Re: Mega Backdoor Roth and 1099-R taxable income

You're lucky. I did a Mega Backdoor rollover last year with Fidelity and they treated the entire amount as taxable!

viewtopic.php?t=231083
by investor997
Wed Apr 04, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3018

Re: Health club memberships

I just joined Planet Fitness - $10/mo for a local gym. Pretty satisfied with it.

I was a member of 24 Hour Fitness for many years but I finally had enough of the lack of cleanliness of my local gym. The locker room showers were pretty disgusting. This was a "Super Sport" level club, too.
by investor997
Tue Apr 03, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help with Fidelity Index Funds
Replies: 10
Views: 984

Re: Portfolio help with Fidelity Index Funds

I have everything at Fidelity as well. I'm very happy there. The funds to use are: Fidelity Total Stock Market Index Fund Premium Class (FSTVX) ER 0.035% Fidelity Total International Market Index Fund Premium Class (FTIPX) ER 0.10% Fidelity Total Bond Market Index Fund Premium Class (FSITX) ER 0.04...
by investor997
Tue Apr 03, 2018 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 2160

Re: Escaping TD Ameritrade

After being with Scottrade since 2015, I'm now with TDA. While I haven't spent much time on their web site, I can say that I much prefer their IOS app to what I had with Scottrade. I also moved some assets to ME at the beginning of the year, just prior to the switch to TDA. I'm less impressed with ...
by investor997
Tue Apr 03, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: Why does it seem there are so many bad/poor 401K plans?
Replies: 36
Views: 3809

Re: Why does it seem there are so many bad/poor 401K plans?

In terms of what we as individual contributors/employees/job candidates can do about any of this, how much weight should we place on a potential employer's 401k plan specifics when it comes to weighing job offers? I have to admit that after having discovered this website - and learning tricks like M...
by investor997
Fri Mar 30, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Porsche 911 & Carmax?
Replies: 13
Views: 2794

Re: Porsche 911 & Carmax?

Back when I was looking for mine, I found one at Carmax and test drove it. The car didn't speak to me (wrong colors/options) so I passed. I eventually found the car I bought on Craigslist. Moral of the story: with 911s, I would focus more on the car, its condition and its options rather than the sel...
by investor997
Wed Mar 21, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone used Zelle?
Replies: 53
Views: 8568

Re: Anyone used Zelle?

For reasons I won't get into, I decided to register my email address with Zelle rather than my cellphone number. I've been able to successfully use it to both send and receive money from Zelle users who were registered via phone number. If Zelle won't allow you to register a Google Voice number, try...
by investor997
Tue Mar 20, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Scottrade/TD Ameritrade merger - Yuck!
Replies: 19
Views: 4708

Re: Scottrade/TD Ameritrade merger - Yuck!

Thanks ! I'm sure they would say the original agreement is still active, but I wonder if their back end systems are setup to track Scottrade bonuses. TDAM has it's own bonuses, so they might have mapped Scottrade bonuses to TDAM's back end, but maybe this is one of the IT things they didnt get arou...
by investor997
Mon Mar 19, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: Scottrade/TD Ameritrade merger - Yuck!
Replies: 19
Views: 4708

Re: Scottrade/TD Ameritrade merger - Yuck!

I got a bonus from Scottrade about 7-8 months back. That had a 12 month retention period. But the Scottrade broker who authorized it is gone, and I've been transferred to a TDAM office. I am considering shifting this account out -- just not sure if TDAM will try and reclaim the bonus. I'm not sure ...
by investor997
Sun Mar 18, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 6834

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

If you've already got a modded, 500hp 340i, a modded Z06 and you track sport bikes, then I don't think an exotic will offer a noteworthy improvement in terms of ability to generate an adrenaline rush. I think it should be more about the overall experience (sights, sounds, etc). To that end, the 991....
by investor997
Fri Mar 16, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise ISOs or walk away?
Replies: 20
Views: 1800

Re: Exercise ISOs or walk away?

Thanks so much for sharing this experience. Did you have any warning signs that growth was not keeping up with the amount of financing? Yes. At one point there was a down round and the stock was diluted quite a bit. There was a reverse split of something like 1:10, so the ~100,000 shares worth of I...
by investor997
Fri Mar 16, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Exercise ISOs or walk away?
Replies: 20
Views: 1800

Re: Exercise ISOs or walk away?

I can't provide certain guidance one way or another but I will share with you my own personal "Excercise ISO" story. In 2004, I left a startup that I'd joined four years prior. It was still private. I didn't have the greatest feelings about them when I left (obviously), but in these situations you n...
by investor997
Fri Mar 16, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Which Day Hiking Trails Do You Recommend?
Replies: 44
Views: 3436

Re: Which Day Hiking Trails Do You Recommend?

Mt. San Jacinto trail / Palm Spring Aerial Tramway, Palm Springs, CA.

https://hikingguy.com/hiking-trails/bes ... n-jacinto/