Search found 469 matches

by investor997
Mon Nov 11, 2019 1:48 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 123
Views: 6226

Re: Saving seats on Southwest

It very much depends on the originating airport. At many long-term Southwest locations, that is certainly the case. At places like EWR and CVG, booking 24 hours in advance will get you A50-60. Very true. in my case, SJC, SNA and PHX are the airports I visit most often when flying Southwest. Lots of...
by investor997
Mon Nov 11, 2019 1:26 am
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 123
Views: 6226

Re: Saving seats on Southwest

I only flew Southwest once. But from my experience if you have your act together and check in online at the correct time on your phone laying in bed you are A1 or whatever and board first and none of this is an issue? Am I missing something? In my experience, checking in online the very minute it b...
by investor997
Wed Nov 06, 2019 12:24 am
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1985

Re: ESPP and RSUs

OP here. I verified there are no trading restrictions and liquidated all of the ESPP shares today. The proceeds will be reinvested into index funds shortly. I feel like a weight's been lifted off my shoulders.
by investor997
Mon Nov 04, 2019 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3600

Re: Best card to complement 2% cash back?

Actually, UR can be redeemed for cash/statement credit too. Or, 1.5x when redeemed for travels w/ Reserve's portal, 2x-5x depending on what other transfer you want to do. Note there is $450 annual fees w/ Reserve, but $300 cash back on travel so effectively $150. Reserve has a lot of nice perks (Pr...
by investor997
Mon Nov 04, 2019 11:49 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1985

Re: ESPP and RSUs

Thanks everyone for your responses. I think it was I needed to hear to help make an informed decision. The only thing I need to make certain of now is whether or not I'm not subject to any sort of insider trading window.
by investor997
Mon Nov 04, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3600

Re: Best card to complement 2% cash back?

I don't use a lot of gas, but I do spend $5k+ on airfare + car rental every year. An airline card would be nice for the luggage benefits and so on; I could potentially save $120/year just on checked bag fees easily with a United card, but I can't get the Sapphire cards or the United card because I'...
by investor997
Mon Nov 04, 2019 8:43 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1985

ESPP and RSUs

Hi all, I started a new job last year and the buy order for the first ESPP offering period I was eligible for went through. Yay me, I now own a slice of the company. Given my preference to invest in a Boglehead-centric, index fund-based portfolio, the stock is definitely an outlier. After reading th...
by investor997
Wed Oct 09, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7688

Re: Should I sell or keep my 5 year old depreciated Tesla

Another vote here for keeping the Tesla, especially in California when you consider the cost of electricity is about 25% that of the cost of gasoline (on a per-mile basis). Funny thing about the Model S... A new one looks almost the same as one from 2012 that's already depreciated quite a bit. Joe S...
by investor997
Thu Sep 26, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Wall mount the TV, or use a TV stand?
Replies: 20
Views: 1713

Re: Wall mount the TV, or use a TV stand?

Definitely wall mount. Recommend positioning it such that the bottom edge of the screen is between 28"-30" off the floor for the best viewing position while seated.
by investor997
Tue Sep 24, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Credit Card Points - Best options?
Replies: 29
Views: 2263

Re: Credit Card Points - Best options?

With OP's level of travel spending I would probably gravitate towards the Amex Platinum or Chase Sapphire Reserve. My decision would probably depend on which airports I frequented the most, and which card would give me the best lounge coverage. With Amex you get Centurion Lounge access; with CSR, yo...
by investor997
Sun Sep 15, 2019 6:17 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324210

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

It’s worth it to me even before the travel rebates. I previously had the fidelity rewards credit card, free with 2% on everything. Now, with a cash back rate of between 2.62 and 3.5%, I still get way more cash back even after a $95 annual fee (plus, my annual fee was comped this year) . It all depe...
by investor997
Sun Sep 15, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Used Tesla S or new Tesla 3?
Replies: 40
Views: 3273

Re: Used Tesla S or new Tesla 3?

I'd spend the ~$50k and get a LR AWD Model 3. You'll never have range anxiety. I've not driven a Model S but I've heard from others that it's a much different driving experience than the 3. Supposedly not nearly as fun to drive due to the additional size and weight. The only way for you to know for ...
by investor997
Mon Sep 09, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Looking at SW's site I find this: "How do I Earn Companion Pass? Simply fly 100 qualifying one-way flights or earn 110,000 qualifying points in a calendar year, and you'll earn Companion Pass" Both the Premier and Priority cards earn 1 point per dollar on normal purchases. You get 6K anniversary po...
by investor997
Thu Aug 29, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Chase Rewards Portal uses Expedia as it's search engine, so Chase and Expedia should give identical results. I'm surprised you found such a big difference between United vs. Expedia though, I've never seen a difference when I've looked, assuming the same fare type (e.g. not Basic Economy vs regular...
by investor997
Thu Aug 29, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Maui Honeymoon Daily Spending Budget
Replies: 39
Views: 2746

Re: Maui Honeymoon Daily Spending Budget

Most of the flights inbound to Maui that originate from the west coast all land within a couple hours of each other so expect a mad rush at the rental car counter after you land (and you'll DEFINITELY need a rental car). This also applies to Costco: It seems as if everyone makes Costco their first s...
by investor997
Wed Aug 28, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Isn't the main value of credit card points such as Chase and AMEX gained by selectively transferring to a partner when that partner has a flight or stay you want at a good value in points? I have never understood actually booking through a card travel service, but maybe that works sometimes. ...and...
by investor997
Thu Aug 22, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: best 4-card strategy

Just curious, how did you get the 1.8 cents/point calculation? I know we had discussed some strategies earlier up thread, but I don't recall this calculation. BofA's website has a Spending Tracker. It keeps track of every transaction across all credit cards (even non-BofA cards if you give them ext...
by investor997
Wed Aug 21, 2019 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: best 4-card strategy

This is pretty much the best, simple-ish plan for ongoing rewards that I can come up with (assuming platinum honors at BoA, 1.5x multiplier for UR points, big enough traveler to use both CSR and premium rewards credits) Chase Sapphire Reserve - 4.5% travel and dining, plus the other goodies Chase I...
by investor997
Thu Aug 15, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 119
Views: 11410

Re: Apple Card

Agreed the daily cash back is pretty slick. I'm planning to get an apple watch this fall and I think i'll use apple pay more frequently when it's on my wrist versus needing to take my phone out to pay which takes the same amount of time as taking out my credit card. I guess I'm still struggling to ...
by investor997
Tue Aug 06, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

Tesla Superchargers are proprietary. The connector design was standardized before the CCS combo connector used by everyone else was chosen by the industry. Tesla opened their connector design to other manufacturers but nobody else adopted it. The Tesla Supercharger connector is very slim and easy to...
by investor997
Sun Aug 04, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

None of Tesla's competitors will be able to compete as far as charging infrastructure is concerned. Not for years, anyway. Data point: Last weekend I met a friend who has a Honda Clarity EV. This is a "compliance" car that Honda only sells/leases in certain markets to boost their CAFE ratings. The l...
by investor997
Sun Aug 04, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

I am still waiting for a decent fully electric competitor. I have been hearing about all the others coming in with models for the last few years. All i know/heard is the chevy volt or bolt (dont know which is the latest one to not catch up with customers) and bmw i3 (3 or 5?). Everyone "promised" b...
by investor997
Fri Aug 02, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 11796

Re: Insane to buy a sports car?

Some Tesla fanboi will be along shortly. And someone will suggest a Toyota. Tesla fanboi reporting in. :) Seriously, for sportscars in that price range, the only valid choice is a Porsche 911. There are plenty of clean, barely used 991.1 and 991.2 examples to choose from that are in that price rang...
by investor997
Thu Aug 01, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

Is it me or does it seem like for most model 3 owners, this is their first high performance vehicle? In these threads, some M3 owners talk about their non-performance model as if it were an F1 car when in reality its performance is about on par with a new Honda accord sport. The performance model i...
by investor997
Thu Aug 01, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

Your car was probably just a standard LR AWD reprogrammed with the fully unlocked software. It's already been shown there's no difference between the Performance and the LR AWD in terms of the battery, motors, inverters, etc. The part numbers are all the same. The LR AWD is only limited by software...
by investor997
Thu Aug 01, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

"Stealth" is what I got. There is a 5K or so performance upgrade, can get it with 18 inch wheels but still same price. Or call a sales center and ask for a 2K performance speed car, just the speed. No 21" wheels, no red calipers. I think my car was a factory performance with things removed to sell ...
by investor997
Thu Aug 01, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

OP here. Congrats on the car, 4nursebee! Here's another real world update: Earlier in the thread I posted my saga of getting a 240V Level 2 charger installed in the garage. Because I live in a condo and my main circuit breaker is only 70A, I had to install one of these things . It cuts off the charg...
by investor997
Sun Jul 21, 2019 7:46 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 9426

Re: C8 Corvette - who is buying?

Not sure why anyone here would cross shop a C8 Corvette with a Model 3. They're two distinctly different types of automobiles with greatly different bandwidths. I'm sure a C8 with the options you want (upgraded packages, Z51, etc) will total >$70K easily. For the record, I own a Model 3 (and I LOVE ...
by investor997
Sun Jul 21, 2019 7:41 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital
Replies: 18
Views: 2019

Re: Personal Capital

I use it as an overall net worth tracker.

Be prepared for them to cold call you.

BTW, I don't link any asset-holding account with them. Sharing passwords is a BIG no-no, IMHO. Instead, I choose to enter all my holdings manually. It's a pain and it's not quite real-time but it works.
by investor997
Tue Jul 09, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

We have never (yet) failed to get First Class (several trips to Europe or to Asia) when we wanted that, for the past 4 years; Business class would have been much easier. You must have a much more flexible schedule than I. I find Economy award seats very easy to find but anything in Business is near...
by investor997
Tue Jul 09, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

I have yet to exchange either MR or UR points for miles for a flight, so until I actually try it a time or two, I don't know how willing I'll be to play that game. But with the CSR a person can get 1.5 cpp valuation on travel, assuming that the expedia-powered Chase portal offers the same (or at le...
by investor997
Tue Jul 09, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

For those who use the points to get air tickets, especially premium international (business or even first class), the point-to-money equivalence is quite different. It can be 5-8 cents or perhaps more per point for ultra long haul flights. The problem is that there is very little availability for l...
by investor997
Tue Jul 09, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Sure, makes sense. Have you considered the AmEx Blue Business Plus? That earns 2x points on all spending, which would improve your return in the AmEx system somewhat. Admittedly no because I don't really want to bother with opening a business credit card. If Amex offered a similar personal card wit...
by investor997
Tue Jul 09, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

I feel just the same way, pick one and stick with it, concentrate points and keep things simple. I went with the Amex platinum, tilted that way with a bias towards Delta as my airline of choice and a local Centurion lounge and a reputation for good customer service. All of that is true, but I've fo...
by investor997
Tue Jul 09, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Have you looked at, mixing and matching, say Amex Gold + BofA Premium Rewards? Not really because I believe in concentrating firepower, so to speak. All or nothing with UR, MR or cash back. If you mix and match then you'll earn some UR here, some MR there and it'll take too long to earn enough of a...
by investor997
Tue Jul 09, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

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. The Amex points would have to be worth even more than th...
by investor997
Tue Jul 09, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

I love making spreadsheets. so I just created one that analyzed a year's worth of credit card transactions to see which cards would offer the best returns. I compared BofA Premium Rewards (Preferred Rewards + Cash Rewards combo, which is what I have now) vs. Chase (CSR + CFU, CSP + CFU) and Amex (Go...
by investor997
Mon Jul 08, 2019 1:16 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324210

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

One other question on transferring a Roth to Merrill... Should I be worried about the timing of this with respect to ex-Dividend dates of the underlying investments? My current Roth is at Fidelity and is made up of Fidelity mutual funds (FSKAX, FTIHX, FSNAX). FSNAX just paid a dividend. The other tw...
by investor997
Mon Jul 08, 2019 1:09 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324210

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Looks like Merrill's got the elevated transfer bonus levels again:

https://www.merrilledge.com/offers/1000offer

I'm thinking of moving my Roth IRA from Fidelity to Merrill to get the higher bonus. Question: Where is the bonus deposited? Directly in the Roth IRA? Is it treated as a contribution?
by investor997
Sun Jul 07, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

Strummer wrote:
Sat Jul 06, 2019 9:12 pm
Really, just getting in the car every day puts a grin on my face.
OP here. This pretty much summarizes the entire experience.

I sold a Porsche 997.2 to buy my Model 3. The Porsche NEVER made me smile like the Tesla does.
by investor997
Sun Jul 07, 2019 7:21 pm
Forum: Personal Investments
Topic: Fidelity Go or Betterment?
Replies: 7
Views: 1579

Re: Fidelity Go or Betterment?

Betterment invests in fractional share amounts so it'll be messy if you ever decide you've had enough of their management fee and you want to move your investment to another brokerage. Only whole shares can be moved; the remaining fractional amounts have to be liquidated (taxable event). My recommen...
by investor997
Fri Jul 05, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

My question for owners: does the novelty of the crazy acceleration wear off? I was hoping for red lights so I could stomp on it! It never got old after a half-week rental. The acceleration NEVER gets old. It spoils you. In fact, if you drive a gasoline car you’ll be shocked at how primitive, unrefi...
by investor997
Thu Jul 04, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

How are you getting $0.13/kWh? I've observed "all in" costs of electricity since those of us on the east coast pay a premium because of the strangling of natural gas pipelines. We're between 19 and 20 cents a kWh all in. Are you including ONLY the cost of the electricty? I know from my own bill tha...
by investor997
Thu Jul 04, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Frequent Flyer No Man's Land?
Replies: 17
Views: 2332

Re: Frequent Flyer No Man's Land?

I agree with those who say that this isn’t worth the effort. It nevertheless bothers me that we flew on a full service airline but we’re not entitled to any frequent flyer miles credit. What should I have done at the outset to avoid this problem? MichDad Always research ahead of time. At least in t...
by investor997
Thu Jul 04, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 46938

Re: Talk me out of buying a Tesla Model 3

OP here again resurrecting this thread... It's been over six months since I bought the car so I thought I'd post an update. When I originally posted, I believe I mentioned not caring much about the cost-savings aspect of electricity over gas since I had a pretty short commute and rarely needed to dr...
by investor997
Thu Jul 04, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: 30 y/o financial check up. How am I doing? Can I buy a model 3 performance?
Replies: 57
Views: 4148

Re: 30 y/o financial check up. How am I doing? Can I buy a model 3 performance?

OP, Check out the thread I started last year: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=260839 I have a lot more saved up than you and plenty of people told me "don't do it". I compromised and went with the LR AWD rather than the P3D. I have zero regrets. The car is amazing. You may wish...
by investor997
Thu Jun 27, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Amex experts: Do you ever use the EBates shopping portal to scrape extra points off online purchases? Like a part-time job. I pair it with SkyMiles Shopping and take whichever one has the most of their own points. Waiting for 8-10x specials at Marriott and pairing it with Marriott discounts on AmEx...
by investor997
Mon Jun 24, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5819

Re: citi discontinuing citi price rewind

A bigger deal (for me) than the loss of Price Rewind would be the loss of the free 2 year warranty extension, which thepointsguy article states is going away too, for the DoubleCash card. A couple months ago I used my DoubleCash card over my BofA Premium Rewards to buy a pair of iPhones precisely b...
by investor997
Fri Jun 21, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

The biggest problem I've had with portals is for hotel reservations... Somehow they always acknowledge my reservation, but by the time I have my stay 3 months later, they are unable to pay out because something didn't track right. I still do it for 10% on IHG reservations but my success rate is awf...
by investor997
Fri Jun 21, 2019 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789078

Re: What's Your Credit Card Rewards Strategy?

Yes but check other portals as well. Ebates does not always have the best rate. They however are the best at tracking purchases in my experience. Agree, always good to shop around but IMHO when it comes to points, it's better to "concentrate firepower", so to speak. This is especially true if the p...