Search found 284 matches

by investor997
Wed Aug 08, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2003

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

I just followed the link in https://www.doctorofcredit.com/chase-united-mileageplus-explorer-changes-are-now-live-plus-targeted-60000-mile-bonus-available-for-some/ and apparently I am eligible for the 60k offer. I'd love to know what data Chase and United use to make this elevated offer... All I g...
by investor997
Wed Aug 08, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2003

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

The 50K "inflight" offer is just a URL: https://unitedexplorercard.com/inflightoffer. It doesn't seem to require any proof of being on a flight. The main question is which you value more: $100 statement credit or 10K miles. The latter might be more beneficial if your long term goal is an internatio...
by investor997
Wed Aug 08, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2003

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

This appears to be better than run-of-the-mill. The standard offer on United's website is 40K sign-up miles and a $100 statement credit. There's also an in-flight offer at 50K sign-up miles but *without* the statement credit. How does one get access to the 60K offer? Is that targeted? Apparently it...
by investor997
Wed Aug 08, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2003

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

Current Offer: - 60,000 bonus miles after $3k spent in the first 3 months - 5,000 miles after adding an authorized user - 1 free checked bag each way for me and a guest - Priority boarding - 2 United Club passes - 2 miles for every $1 spent at United, restaurants, and hotel accomodations - 1 mile e...
by investor997
Mon Aug 06, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2399

Re: My Credit Card Rewards Strategy

I'm still looking for a decent card with 3% grocery rewards. I've tried Amex Blue Cash Everyday and hated the two month delay in posting of rewards and the $25 minimum redemption requirement, so I closed the card and just use my 2% card for groceries. BofA Cash Rewards pays back 2% on groceries, bu...
by investor997
Sat Aug 04, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 3736

Re: How to Start CC Churning

The GF and I have indeterminate travel goals. We don't really know where we're going of when, but we're pretty certain we're going somewhere. To that end, she recently signed up for the Chase Sapphire Reserve. We were thinking we'd easily spend the $300 travel credit on upcoming airfare but it turns...
by investor997
Thu Aug 02, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking opinions: How to invest 150k?
Replies: 8
Views: 734

Re: Seeking opinions: How to invest 150k?

Suppose for a moment you didn't change jobs and the 401k at your (now) previous employer was left alone. If you'd come on here and told this forum you were getting market jitters and you were thinking about moving your 401k into cash, you would have been told that you were attempting to time the mar...
by investor997
Wed Aug 01, 2018 9:29 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1123
Views: 194381

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Good luck with the safety deposit box, whenever I have inquired about one they tell me they don't have any. Not quite a benefit if they have such a limited number that even their Special Platinum Rewards victims can't get one. Ever. Whenever I see their bonus offers for opening accounts, I just chu...
by investor997
Wed Aug 01, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1123
Views: 194381

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I wouldn't move to Merrill Edge no matter what bonus they offered. Good customer service is hit or miss over there. The last few months, I have experienced HORRIBLE customer service and moving away as quickly as possible after YEARS of being there. Between talking to reps who did not know what "com...
by investor997
Mon Jul 16, 2018 3:19 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4320

Re: Have you ever purchased a pricy musical instrument?

Recently spent upwards of $15K restoring a 70-year old Steinway grand piano. It's been in the family forever, no plans to sell it so probably won't ever recoup the "investment". Even if I did, I doubt I'd get every dollar back. It doesn't really matter. It's an heirloom, and now it looks and plays l...
by investor997
Mon Jul 02, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?
Replies: 11
Views: 1016

Re: Merrill Edge account: I have 3-fund portfolios in Vanguard, what can Merrill Edge add?

With enough in Merill Edge you can get into the platinum honors tier which is a pretty sweet deal. The big benefit, in my opinion, is the 75% rewards bonus which makes the travel rewards card a flat 2.625% cash back card which is better than anything else I have seen (no annual fees). You can also ...
by investor997
Mon Jul 02, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3344

Re: International Vacation Ideas

I visited Vietnam and Hong Kong earlier this year. Both were fantastic albeit for different reasons. Highly recommend both.
by investor997
Sun Jul 01, 2018 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: E-Trade and mega backdoor Roth
Replies: 30
Views: 1280

Re: E-Trade and mega backdoor Roth

I should think any brokerage will allow a rollover into a Roth IRA. The bigger question is whether or not your employer's 401k plan allows in-service withdrawals. When I first started doing mega Roth IRA rollovers, my Roth IRA was with Scottrade. I had to get a check mailed from my 401k plan (Fideli...
by investor997
Thu Jun 28, 2018 5:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1123
Views: 194381

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Appears to be no fees, even if you just put $200 in? It says you have to maintain the balance for 9 months, but get the bonus in 7 days. So it seems you could put $200 in, get the bonus, take $200 out? Then just let the other $200 sit for 9 months and close it, if you decide you don't want the acco...
by investor997
Thu Jun 28, 2018 10:57 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1123
Views: 194381

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

$200 bonus for depositing only $200 into a new Fidelity Cash Management and/or Fidelity (aka taxable) Account. If you already have either of these, you're not eligible.

https://communications.fidelity.com/pi/ ... urce=offer
by investor997
Wed Jun 27, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Frequency of Mega Backdoor IRA Transfers
Replies: 15
Views: 1281

Re: Frequency of Mega Backdoor IRA Transfers

One thing I'd keep an eye on: How large are the pre-tax earnings on the after-tax contributions? If the market is flat-to-down, the gains will be zero (or near-zero). If this is the case, there's no real rush to get the after-tax money out of there. If the market was rising and you started generatin...
by investor997
Tue Jun 26, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 2758

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

I recently went through this decision process and wound up going for the BofA Premium Rewards card. Outside of business trips, I usually fly domestically once or twice per year. This year was the first time I flew internationally in close to a decade. That's not enough to justify the CSP or CSR, IMH...
by investor997
Sat Jun 23, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5305

Re: car for long-distance driving

Being more of a car guy, I'd probably go against conventional wisdom and look for a CPO BMW 535d. Very comfortable, quiet and luxurious, plus upwards of 40 MPG when freeway cruising.
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: 1558

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: 2721
Views: 540267

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: 1703

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: 1558

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: 1558

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: 37918

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: 7347

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: 2721
Views: 540267

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: 2721
Views: 540267

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: 6905

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: 3218

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: 54
Views: 6681

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: 2212

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: 928

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: 772

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: 772

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: 772

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: 4759

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: 6635

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: 6635

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: 1025

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: 1031

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: 6635

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: 1442

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: 558

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: 558

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: 2267

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: 1154

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: 3346

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: 1123
Views: 194381

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: 1512

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: 2278

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...