Search found 194 matches

by yeahman
Thu Sep 05, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3112

Re: Laser or inkjet

You mention that you print infrequently. HP has a program now called "Instant Ink" that for many printers they sell allow you to print 15 pages a month at no cost beyond the paper. It requires internet connectivity so HP can monitor the ink levels and send you ink when needed to being low or age. h...
by yeahman
Wed Sep 04, 2019 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Good credit card for business
Replies: 5
Views: 344

Re: Good credit card for business

Chase Ink Cash + Ink Unlimited. Chase Ink Preferred worth the annual fee only if you have over $6333 in travel, shipping, and internet advertising expenses. Transfer the points over to your Chase Sapphire personal card.
by yeahman
Tue Aug 13, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10314

Re: Healthy fast food

We found the food snobs. I only eat free-range eggs, fair trade coffee, and locally-sourced vegetables from the farmer's market that I bike to on Sundays after SoulCycle. I'm trying to cut out the coffee because everyone knows it's not good for you. It messes with your body's natural rhythm. Gluten ...
by yeahman
Tue Aug 13, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1053
Views: 118546

Re: Fidelity as a one stop shop

with interest rates dropping and SPRXX now yielding 1.95%, where are people parking their cash funds into for their brokerage accounts and CMA (not asking about the admiral $100k investment mins), TIA! SPRXX. I use the CMA for the convenience, not the rates. Other options have always had superior r...
by yeahman
Wed Jun 12, 2019 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755664

Re: What's Your Credit Card Rewards Strategy?

DiMAn0684 wrote:
Wed Jun 12, 2019 12:48 pm
Do you have a link for a current 100k / $10k spend offer. Checking my usual sources I've not been able to find a current offer like that.
It's targeted and requires applying by phone.
by yeahman
Wed Jun 12, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5188

Re: Gillette Fusion razors

ThankYouJack wrote:
Tue Jun 11, 2019 8:06 pm
Now for next thread - which shaving cream? :)
Best: Taylor of Old Bond St.
Cheapest: Facial soap
Best buy: Proraso

Applied with a Parker badger hair brush. If it's a tube, I just apply directly onto the wet brush.
by yeahman
Wed Jun 12, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5188

Re: Gillette Fusion razors

I like Harry's. Reasonable cost and close shave. I am a fast shaver, and I'm not sure how forgiving a DE razor is for someone who rushes through their shaves; anyone have any insight on that? It's just not possible to shave as fast without cutting yourself. Maybe people have leather skin or they've...
by yeahman
Wed Jun 12, 2019 7:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755664

Re: What's Your Credit Card Rewards Strategy?

We have a big house project coming up that will allow us to pay $20-30k on a credit card... makes one think about SUBs... :) 2 x Amex Platinum Business. It has the highest min spend requirement so I would use that rare opportunity to get that bonus. Currently getting 75k MR points for Biz Plat woul...
by yeahman
Tue Jun 11, 2019 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20092

Re: Paying for rent is throwing away money...myth?

My parents bought their forever house in 1958. They paid 20K for the house they built and the land cost was 5K (5 acres). The adjacent 5 acre lot was for sale but my dad thought $1K an acre was too much and didn't buy it. When my mom past away in 2007 I sold their home for 2 million. This was in Gr...
by yeahman
Tue Jun 11, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755664

Re: What's Your Credit Card Rewards Strategy?

teamDE wrote:
Tue Jun 11, 2019 1:37 pm
We have a big house project coming up that will allow us to pay $20-30k on a credit card... makes one think about SUBs... :)
2 x Amex Platinum Business. It has the highest min spend requirement so I would use that rare opportunity to get that bonus.
by yeahman
Tue Jun 11, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 45603

Re: What lifestyle creep made you happier?

If you paid extra for it, you did so because you presumably derive some value from it. The better question would be: What lifestyle creep DIDN'T make you happier?

The only thing I can come up with is the king bed. A queen would've been plenty.
by yeahman
Tue Jun 11, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 17
Views: 1725

Re: Air Purifier for Bedroom?

I use a DIY. Noisier but it's just white noise and it can be placed farther away because it can circulate more air than those silent ones. But the real reason I use a DIY is because I want to be able to use it on the window to get some fresh air without the pollen.
by yeahman
Tue Jun 11, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20092

Re: Paying for rent is throwing away money...myth?

Just remember someone had to buy the place to rent it to you. That makes me want to buy. Someone had to buy a car to Uber you. Makes you want to buy a car? Maybe or maybe it should make you think "This is great! I can just Uber and never have to buy a car! Let someone else deal with the hassle and ...
by yeahman
Tue Jun 11, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20092

Re: Paying for rent is throwing away money...myth?

What I'll say is you are paying a middle man (landlord) and paying a middle man for something usually makes something more expensive. People don't invest in and manage real estate to lose money. This is a pervasive misconception. Whenever you shop on Amazon or at Walmart or Macy's you're paying a m...
by yeahman
Tue Jun 11, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20092

Re: Paying for rent is throwing away money...myth?

This thread is about the people who choose to rent not those that have to rent. I would be much more interested in statistics between homeowners and those that choose to rent but could afford to own. Also I am sure "statistics" would bear out rich folks drive more expensive cars, that doesn't mean ...
by yeahman
Mon Jun 10, 2019 5:12 pm
Forum: Investing - Theory, News & General
Topic: Is it bad to look at debt (student loans) like this?
Replies: 39
Views: 3174

Re: Is it bad to look at debt (student loans) like this?

YoungBogle wrote:
Mon Jun 10, 2019 3:38 am
Assuming continuous employment
Agree with other comments that that assumption's doing all the work. Assuming I don't die, isn't having life insurance the same as not having life insurance? Why do people treat them differently?
by yeahman
Mon Jun 10, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20092

Re: Paying for rent is throwing away money...myth?

Many, if not most, buyers have regrets. Wrong price, wrong size, wrong location, wrong school district, wrong neighbors, wrong sun exposure, etc. Fewer renters have regrets. Even if renting costs more, it can be thought of a mobility premium. I seriously doubt that most buyers have regrets (at leas...
by yeahman
Mon Jun 10, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20092

Re: Paying for rent is throwing away money...myth?

Many, if not most, buyers have regrets. Wrong price, wrong size, wrong location, wrong school district, wrong neighbors, wrong sun exposure, etc.
Fewer renters have regrets. Even if renting costs more, it can be thought of a mobility premium.
by yeahman
Mon Jun 10, 2019 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2583

Re: Laminating important documents - a good idea?

I would consider lamination "damage." A plastic sleeve and waterproof document safe is plenty. They're also scanned which is almost always all I need anyway.
by yeahman
Mon Jun 10, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7485

Re: Anything you wish you had spent money on when you were younger?

A lot of people seem to regret home purchases. Typically, it's because they overspent but even those who believe they underspent, I would argue that they actually overspent. I.e., they bought a less-than-ideal home when they should have rented, at least for a bit longer.
by yeahman
Mon Jun 10, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7485

Re: Anything you wish you had spent money on when you were younger?

In retrospect, what we regret is the failure to create a better memories. So we'll wish we experienced more (travel, events, activities) and spent more time with loved ones before it was too late. Nobody regrets not buying those $300 shoes 10 years ago.
by yeahman
Fri Jun 07, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 8295

Re: What flagship (even used) item is better than a budget new item?

The flagship will typically fetch a disproportionate premium. The best values are typically at the low-end of the high-end. E.g., iPhone XR, Galaxy S10e, Pixel 3a, 128GB MacBook Air, etc. New releases also fetch a premium but older models are not necessarily better values. Just waiting a few months ...
by yeahman
Wed Jun 05, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Gillette Fusion razors
Replies: 57
Views: 5188

Re: Gillette Fusion razors

I've tried them all, including DE razors. Mach 3 is the best balance between convenience and cost. Completely dry the blade after every shave to increase longevity. Can even keep it in oil. Some people enjoy shaving like others enjoy golf and invest the time and money. I enjoy a nice slow shave once...
by yeahman
Mon Jun 03, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755664

Re: What's Your Credit Card Rewards Strategy?

The only cards I actually use are the Chase Sapphire Reserve and whatever I'm trying to get a bonus for at the moment. The CSR is only used for the travel insurance. Even 5% back cards don't interest me since a bonus easily beats that. By my calculations, if I apply for a new card every 3 months, it...
by yeahman
Mon Jun 03, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755664

Re: What's Your Credit Card Rewards Strategy?

Discussions about Chase Ink etc, are making me a bit envious. I might look into this one, although half my job is as a writer, so partially self-employed (not a proprietor). The only card I've opened in the last few years is 5% Target Redcard, lol. But that's because a new Target opened up one bloc...
by yeahman
Mon Jun 03, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 3056

Re: 23 and me vs. ancestry- thoughts?

I've done both. 23andme provides superior ancestry info. I didn't bother to buy the health results. Instead, I uploaded both raw data files to promethease.com to get health results. FYI, there's always a Black Friday sale for 23andme and Ancestry.
by yeahman
Sat May 11, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3226

Re: Best month to visit London?

If you're interested in watching Parliament, go when it's in session.
by yeahman
Sat May 11, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755664

Re: What's Your Credit Card Rewards Strategy?

So, in the last few months I did the Chase Sapphire Reserve, Chase Ink Business Cash, and CFU. I generated like 180,000 points, and just blew it all on a badass trip to Europe. Are there other options to keep generating Chase points? Or should I start the AMEX quadfecta to get all the bonuses and d...
by yeahman
Mon Apr 01, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14492

Re: Folks in their 60s and above. What early investment on health do you recommend.

4. Check blood pressure and cholesterol. Don't worry about salt or dietary cholesterol. Cardio and medication are the best medicine. Please watch your sodium intake, people. I know medical advice is prohibited on the forum so I won't get into any specifics, but "don't worry about salt" is an incred...
by yeahman
Mon Apr 01, 2019 3:37 pm
Forum: Personal Investments
Topic: First HSA - Devenir/HSA Bank, basics, fund choice, California
Replies: 8
Views: 452

Re: First HSA - Devenir/HSA Bank, basics, fund choice, California

There's no 1099 so you'll have to keep track of dividends and cap gains (so also basis) yourself. A major PITA that isn't worth it if you can get away with 100% treasuries in the HSA.
by yeahman
Mon Apr 01, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14492

Re: Folks in their 60s and above. What early investment on health do you recommend.

9. SPF 30. Stay in the shade. Don't worry, everyone's vitamin D "deficient" and it haven't been shown to have any negative impact. Did you throw this in as an April Fools joke?? Otherwise, this is one of the most patently false things I've ever read on this site (easily google-able). Vitamin D is a...
by yeahman
Mon Apr 01, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14492

Re: Folks in their 60s and above. What early investment on health do you recommend.

9. SPF 30. Stay in the shade. Don't worry, everyone's vitamin D "deficient" and it haven't been shown to have any negative impact. Did you throw this in as an April Fools joke?? Otherwise, this is one of the most patently false things I've ever read on this site (easily google-able). Vitamin D is a...
by yeahman
Sun Mar 31, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14492

Re: Folks in their 60s and above. What early investment on health do you recommend.

As far as we know, Alzheimer's can't be prevented. Best you can do is to mitigate its effects. Maintain a routine and relationships. Use a pill box. Use lists. Put as much of your life as possible on autopilot. Have a plan.
by yeahman
Sun Mar 31, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14492

Re: Folks in their 60s and above. What early investment on health do you recommend.

Minimize or avoid caffeine. It causes vasoconstriction (raises blood pressure by narrowing arteries) and in the long term is not good for you. So stop going to Starbucks and save a few hundred a year you can devote to a nice hiking trip in the mountains. Coffee, black tea, and green tea have health...
by yeahman
Sun Mar 31, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 14492

Re: Folks in their 60s and above. What early investment on health do you recommend.

1. Don't smoke. Don't worry about second hand smoke. It may smell bad but it won't kill you. 2. Eat in moderation. You don't need to avoid anything but avoiding certain foods may help you consume fewer calories. E.g., many people find cutting out bread, soda, alcohol, or juice a fairly easy way to r...
by yeahman
Sun Mar 31, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card to get after using up bonus offers due to 5/24 rule?
Replies: 45
Views: 2567

Re: Credit card to get after using up bonus offers due to 5/24 rule?

fortfun wrote:
Sat Mar 30, 2019 4:50 pm
yeahman wrote:
Fri Mar 29, 2019 2:02 pm
I'm doing Amex Business cards until I fall under 5/24 again.
Which ones?
Thanks!
Marriott and Hilton. Business Platinum min spend is too high for anyone without a legit small business. There's also Wells Fargo and BoA business cards.
by yeahman
Fri Mar 29, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card to get after using up bonus offers due to 5/24 rule?
Replies: 45
Views: 2567

Re: Credit card to get after using up bonus offers due to 5/24 rule?

MotoTrojan wrote:
Fri Mar 29, 2019 2:09 pm
yeahman wrote:
Fri Mar 29, 2019 2:06 pm
All Chase cards are subject to 5/24 now.
Since when? Unless this is a recent development, some are not. I got the Disney in Q3 2018 with more like 9/24. This is even after an approved freedom was taken back the next day.
Since November.
by yeahman
Fri Mar 29, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card to get after using up bonus offers due to 5/24 rule?
Replies: 45
Views: 2567

Re: Credit card to get after using up bonus offers due to 5/24 rule?

MotoTrojan wrote:
Fri Mar 29, 2019 2:01 pm
OP, Chase Disney card isn’t susceptible to the 5/24 and I believe it was an easy $200 credit on $500 spend.
All Chase cards are subject to 5/24 now.
by yeahman
Fri Mar 29, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card to get after using up bonus offers due to 5/24 rule?
Replies: 45
Views: 2567

Re: Credit card to get after using up bonus offers due to 5/24 rule?

I'm doing Amex Business cards until I fall under 5/24 again.
by yeahman
Wed Mar 27, 2019 10:24 pm
Forum: Investing - Theory, News & General
Topic: Deferring HSA by paying medical Out-of-Pocket: Overblown?
Replies: 42
Views: 3725

Re: Deferring HSA by paying medical Out-of-Pocket: Overblown?

3) During retirement , Roth IRA distributions and 401k would be more valuable because they can be used for ANY expenses. That's why it would make more sense to max those out before building up an HSA nest egg since HSA is limited to medical expenses not covered by medicare. During retirement, a Rot...
by yeahman
Tue Mar 26, 2019 9:02 pm
Forum: Investing - Theory, News & General
Topic: What is the Duration of Your Bond Portfolio? And Why?
Replies: 71
Views: 12254

Re: What is the Duration of Your Bond Portfolio? And Why?

I'm a beginner bond investor. Why wouldn't I want a very long duration if I intend to hold it for at least as long?
by yeahman
Tue Mar 26, 2019 7:01 pm
Forum: Personal Investments
Topic: CD ladder, intermediate-term bond fund, or money market for safety in Fidelity HSA?
Replies: 11
Views: 802

Re: CD ladder, intermediate-term bond fund, or money market for safety in Fidelity HSA?

Intermediate bond fund is too long for a 2-year investment horizon. A CD ladder is the obvious choice if it's possible at a decent rate. Otherwise, just stick it in the prime money market. It's only $5k over 2 years.
by yeahman
Tue Mar 26, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: How does a treasury bond fund lose money?
Replies: 15
Views: 1510

Re: How does a treasury bond fund lose money?

Bond funds fall in price in proportion to rises in interest rates. They sell at a discount and buy new bonds with higher interest rates. IOW, your directly owned bond loses the same money in forgone higher interest rates.
by yeahman
Tue Mar 26, 2019 1:26 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 5121

Re: What is the best gas credit cards hands down?

MotoTrojan wrote:
Mon Mar 25, 2019 11:46 am
Discover will be 10% for year 1 three month period too.
I don't know why this isn't more popular. Nobody comes close to 10%.
by yeahman
Tue Mar 26, 2019 1:06 am
Forum: Personal Finance (Not Investing)
Topic: US Bank credit cards bonus categories
Replies: 16
Views: 1544

Re: US Bank credit cards bonus categories

Unfortunately, for those of us in states without a branch, the card is extremely difficult to get approved for.
by yeahman
Tue Mar 26, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3542

Re: Nice men's jeans

Oakwood42 wrote:
Mon Mar 25, 2019 7:10 pm
dustinst22 wrote:
Mon Mar 25, 2019 10:57 am
Levis 511. Slim, not skinny or tight -- perfect fit. Classic look, looks great with blazer.
+1
+2

I literally have 2 pairs. The best value in denim.
by yeahman
Fri Mar 22, 2019 1:19 pm
Forum: Personal Investments
Topic: Rolling my own total bond fund
Replies: 8
Views: 347

Re: Rolling my own total bond fund

I'm not trying to replicate Vanguard to reduce fees, nor to do it exactly. Good enough is good enough. I'm trying to deal with the issue of already having treasuries in an HSA subject to state tax.
by yeahman
Fri Mar 22, 2019 12:47 pm
Forum: Personal Investments
Topic: Rolling my own total bond fund
Replies: 8
Views: 347

Rolling my own total bond fund

I have lots of treasuries so I don't want to hold a bond fund with more. Instead, I'm thinking about copying the Vanguard Total Bond Market Index Fund by putting together parts. VBTLX composition Asset-Backed: 0.5% Commercial Mortgage-Backed: 2.0% Finance: 8.6% Foreign: 5.2% Government Mortgage-Back...
by yeahman
Fri Mar 22, 2019 10:45 am
Forum: Personal Investments
Topic: Muni bond fund in taxable account: state (CA) or national
Replies: 24
Views: 1785

Re: Muni bond fund in taxable account: state (CA) or national

you would want as much of your fixed income allocation in state munis as you can tolerate from credit risk / concentration risk perspective. There no way for that to be anything more than pure gut feeling unless you take some actual numbers into account. Otherwise, you also have to consider holding...
by yeahman
Fri Mar 22, 2019 9:24 am
Forum: Personal Investments
Topic: Muni bond fund in taxable account: state (CA) or national
Replies: 24
Views: 1785

Re: Muni bond fund in taxable account: state (CA) or national

Anybody come up with a somewhat more objective way to arrive at an allocation? My thinking is that if your state had a 100% tax on bond returns, you'd want to put 100% of your taxable bonds into in-state munis. If your state had no tax on bond returns, you'd want to put 100% into national munis. So ...