Search found 1342 matches

by flamesabers
Fri Oct 20, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11848

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Not sure I want yet another email to read each day either. 90% of my mail is junk mail. Do they send pictures of that too? I don't get an email from USPS every day as I get all of my statements and such by email. Also, I opted out of the pre-approved offers and junk mail as much as possible. If you...
by flamesabers
Wed Oct 18, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Benefits - Insurance Options, are these useful?
Replies: 17
Views: 873

Re: Employer Benefits - Insurance Options, are these useful?

How much does this extra insurance cost?

Here are some prior threads on this topic:

viewtopic.php?t=125407

viewtopic.php?t=203748
by flamesabers
Wed Oct 18, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

I.2GB of data per year. I saw an offer for a Samsung Galaxy J3 Luna Pro 16GB 4G LTE 5" screen smartphone for around $90 and it comes with 1200minutes/1200texts/1.2GB data for one year. I don't own a smartphone and was wondering if 1.2GB of data would be enough if I was to use the smartphone, not on...
by flamesabers
Wed Oct 18, 2017 3:20 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

If you do stick with the 1.2gb plan, be watchful of usage. This can typically be done in the phone Settings. I don't know if Tracfone has 'limiter', but I utilize that with my Verizon phones. This limiter ensures no one goes over the data limit, and shuts the phone data off it you do go over. 15min...
by flamesabers
Wed Oct 18, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

DTalos wrote:
Wed Oct 18, 2017 2:56 pm
Thanks for the info. Do you think the Samsung phone described above is a good phone for a first time smartphone user?
I'm not familiar with that particular model. There are probably some youtube videos you can find that will show how easy (or hard) it is to use the phone.
by flamesabers
Wed Oct 18, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

How much data does 15 minutes of checking and responding to email or reading news websites use on a smartphone? If a smartphone plan advertises 1.2GB of data in one year, is that high, low or average? If you look on mobile data (under settings) you should be able to see your total usage of data for...
by flamesabers
Wed Oct 18, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 60
Views: 2861

Re: Anyone planning on getting the new Pixel phone?

Killer phone. I would have opted for the new, smaller Pixel, but you can't beat free. Google's (and Project FI's) customer service is the best! Just curious, for what reason(s) would you downsize in terms of the screen size? Phones with smaller screen sizes are easier to keep in your pocket/purse a...
by flamesabers
Wed Oct 18, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 4973

Re: Best way to make some dollars on a 10 day vacation?

Become a professional cuddler or pet food taster . I'm not sure how humans could be useful food tasters for pets since we have typically have major gaps in quality of senses compared to pets. Cats for instance have a far superior sense of smell to humans and are thereby more likely to judge the qua...
by flamesabers
Wed Oct 18, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 3501

Re: anhybody buying bitcoin

Bitcoin is magical. The more expensive it gets, the more people like it. Stocks and the stock market work the same way. The same can be said for the lottery as well. The lure of making a massive amount of money easily and quickly is very enticing. For me it doesn't matter how valuable bitcoins or t...
by flamesabers
Wed Oct 18, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 60
Views: 2861

Re: Anyone planning on getting the new Pixel phone?

Not me. I have no interest in spending big bucks to get the newest phone of any kind. I would much rather wait a few years to wait for the prices to drop to levels that are more to my liking.
by flamesabers
Wed Oct 18, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 33
Views: 1901

Re: Data Use on Smartphones

How much data does 15 minutes of checking and responding to email or reading news websites use on a smartphone? If a smartphone plan advertises 1.2GB of data in one year, is that high, low or average? If you look on mobile data (under settings) you should be able to see your total usage of data for...
by flamesabers
Wed Oct 18, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

I had a perfect FICO score of 850 for years. After I paid off my home loan early my FICO score dropped to about 760. It has slowly worked it's way back up to 800. I payed off my home loan early, never had a late payment my whole life (now 58 years old), significant savings and my income has gone up...
by flamesabers
Wed Oct 18, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

A few things: 1. 0% utilization is worse than a small amount of utilization for FICO scoring purposes 2. FICO uses "buckets" to determine scores, it's possible you moved into a different bucket 3. Anything over 760 doesn't matter anyway 760 won't get you the best rates with some auto insurers. All ...
by flamesabers
Wed Oct 18, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: How soon to cancel a credit card after signup bonus.
Replies: 27
Views: 2344

Re: How soon to cancel a credit card after signup bonus.

Can you downgrade the credit card to something that doesn't have an annual fee? If you close the account now, it probably won't have much impact on your credit score unless this card's credit is a sizable amount of your total credit. Even if you only have a small drop in your credit score, there is ...
by flamesabers
Wed Oct 18, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

A few things: 1. 0% utilization is worse than a small amount of utilization for FICO scoring purposes 2. FICO uses "buckets" to determine scores, it's possible you moved into a different bucket 3. Anything over 760 doesn't matter anyway 760 won't get you the best rates with some auto insurers. All ...
by flamesabers
Wed Oct 18, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u say?
Replies: 45
Views: 2160

Re: If someone held a gun to your head, and force u to gamble whether the S&P 500 will rise or fall tomorrow, what do u

Why not just flip a coin?
cadreamer2015 wrote:
Wed Oct 18, 2017 1:15 pm
Is this actionable?
Apparently OP has an unspecified problem with his/her personal investments.
by flamesabers
Wed Oct 18, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

This is an honest question. I'd love to have an authoritative source (not a blog) that articulates, say, what the majority of mortgage lenders view as the best possible score range (in terms of what rate they will offer). I'm doubtful banks would choose to disclose this sort of information to the p...
by flamesabers
Wed Oct 18, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Deciding between Roth TSP and Trad TSP
Replies: 26
Views: 1447

Re: Deciding between Roth TSP and Trad TSP

Many BH end up converting deferred contributions into Roth accounts during years of lower income. This is especially the case if you have a pension and social security. Unfortunately this isn't an option with the TSP. Per the TSP website: You cannot convert any portion of your existing traditional ...
by flamesabers
Wed Oct 18, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3394

Re: Is a doctor's practice one of the safest and most profitable businesses?

No, Table 8-2 "Top Ten Most Profitable Sole-Proprietorship Businesses" page 236. 1. Coal Mining 2. Offices of Physicians 3. Offices of Osteopathic Physicians 4. Offices of Dentists 5. Offices of Optometrists 6. Bowling Centers 7. Offices of Chiropractors 8. Drug Stores 9. Veterinarian Services 10. ...
by flamesabers
Wed Oct 18, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: New for Vanguard!
Replies: 19
Views: 1969

Re: New for VANGUARD!

So this morning I saw 2 new funds for vanguard Vanguard Global Wellington™ Fund and Vanguard Global Wellesley® Income Fund seems like the perfect asset allocation at only $20.00 a share. What do you guys think? Would you buy or not? The only thing is that I am not familiar with mutual funds and I g...
by flamesabers
Wed Oct 18, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3394

Re: Is a doctor's practice one of the safest and most profitable businesses?

OP,

Are you considering going into medicine or investing in a doctor's practice as a business partner? If not, I don't see how this topic is actionable.
by flamesabers
Wed Oct 18, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: any good credit card sign up bonuses?
Replies: 15
Views: 1292

Re: any good credit card sign up bonuses?

OP,

I suggest checking out creditcards.com to find bonuses that are to your liking.
by flamesabers
Wed Oct 18, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Deciding between Roth TSP and Trad TSP
Replies: 26
Views: 1447

Re: Deciding between Roth TSP and Trad TSP

I'm inclined to favor traditional over Roth in this case, especially if your pension doesn't have cost of living adjustments.

Alternatively, if you're really undecided you could just invest 50%-traditional TSP and 50%-Roth TSP.
by flamesabers
Wed Oct 18, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2302

Re: Credit scores fell this month a lot for no reason

vmsx wrote:
Tue Oct 17, 2017 8:02 pm
Anyone else know what might be going on or have a similar result? It's more a curiosity for me as I have no need for credit.
Did you have any closed credit card accounts that dropped from your report recently and thereby caused a decline in your average age of accounts?
by flamesabers
Tue Oct 17, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Car fund in index fun or savings?
Replies: 19
Views: 1285

Re: Car fund in index fun or savings?

I would recommend putting the money in a savings account or something similar. While you may plan on driving your current car for the next 10 years, life can happen and you may find yourself shopping for a new car next week because your current car got totaled.
by flamesabers
Tue Oct 17, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket in Retirement
Replies: 46
Views: 5163

Re: Tax Bracket in Retirement

The tricky thing for me to get my arms around is the social security impact on retirement income. I have read in here for most people it shouldn’t be a big factor. However if you expect the have significant RMD and other income, and have both spouses pulling near the social security max, it seems l...
by flamesabers
Tue Oct 17, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Best way to make some dollars on a 10 day vacation?
Replies: 57
Views: 4973

Re: Best way to make some dollars on a 10 day vacation?

These require some preparation beforehand, but I would suggest: Election Judge Check your local government's website on how to become an election judge. You'll probably have to take a training class first, but once you get trained in you can serve as an election judge for local, state and national e...
by flamesabers
Tue Oct 17, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Should I contribute 100% of paycheck to 401k?
Replies: 13
Views: 2332

Re: Should I contribute 100% of paycheck to 401k?

Assuming your employer match and the distribution of cash flow won't be an issue for you, I would say go for it. While I think the time value of money is a compelling reason to front-load your 401k as much as possible, it can still be a bit of mental hurtle to accept that your net pay will be a bit ...
by flamesabers
Mon Oct 16, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3105

Re: Bonus pushed back - should I be annoyed?

bonus noun :something in addition to what is expected or strictly due: such as a :money or an equivalent given in addition to an employee's usual compensation b :a premium (as of stock) given by a corporation to a purchaser of its securities, to a promoter, or to an employee I never counted on bonu...
by flamesabers
Mon Oct 16, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 1866

Re: contributing to friend's non-profit?

I have a long-time friend who is extremely bright but, for various reasons, his career has moved sideways. Now in his late 50s, he's struggled to land a ft role and instead, has had a string of consulting assignments. I'm not sure of his financial position...he may be quite wealthy or may be strugg...
by flamesabers
Mon Oct 16, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Projecting Tax Liability - Assistance Required
Replies: 5
Views: 346

Re: Projecting Tax Liability - Assistance Required

You are handling this tax situation properly so far - kudos for doing a great job estimating your taxes for this year (and looking ahead). To lower your "tax bill" next April, you can specify an amount to be withheld in addition to the normal withholding via the W-4. Sometimes that takes a pay cycl...
by flamesabers
Mon Oct 16, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 43
Views: 3105

Re: Bonus pushed back - should I be annoyed?

What do you think? Would you be irritated, or do you think I am over reacting? I think it depends on your circumstances. Do you have a contract with your employer that states your annual bonus must be paid by a certain date? If a bonus is not specified in your contract (or you don't have a contract...
by flamesabers
Mon Oct 16, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Hold bonds in taxable or tax-deferred accounts? I am confused
Replies: 12
Views: 1084

Re: Hold bonds in taxable or tax-deferred accounts? I am confused

The more I read about the topic the more confusing it is. Should bonds/bond index funds be held in taxable or tax-deferred accounts. Ideally bonds should be held in tax-advantaged accounts because the interest earned from bonds is taxed as ordinary income. However, if you're in the 15% tax bracket,...
by flamesabers
Mon Oct 16, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 394623

Re: What's Your Credit Card Rewards Strategy?

Last month Chase canceled my freedom card for non-use (it had been 14 months since I used it). For cards I don't use I set a recurring semi-annual reminder on my Google calendar to make a small purchase on them. For the small purchases I like to buy some extra text messages or data for my prepaid c...
by flamesabers
Fri Oct 13, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard make sense without a computer ?
Replies: 22
Views: 2286

Re: Does Vanguard make sense without a computer ?

OP, How does your relative manage other financial accounts like bank accounts and credit cards? If it's by telephone and USPS, I don't see why the same couldn't be done with Vanguard. Something to bear in mind is depending on the amount invested, your relative might have to pay an annual fee for not...
by flamesabers
Fri Oct 13, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5610

Re: Help me understand what happen with the new law and ACA subsidies

You will not be affected unless your income is at least about 14k under 44k (but not at least about 28k under 44k, for which there are no subsidies). Or if his insurance company pulls out of the market.... Is there a deadline for when insurance companies can withdraw from a market? Or is that a sta...
by flamesabers
Fri Oct 13, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 103
Views: 6393

Re: How many miles/years do you keep your car?

I'm currently driving a 2007 car that I purchased back in 2008. At the time of purchase, it had around 33k miles on it. As of late the mileage on it is about 88k. I have no plans to get a different car anytime soon. I have no rules on replacing cars just because they are x years old or have been dri...
by flamesabers
Fri Oct 13, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2580

Re: Social Security Card - Should I get a Replacement

Same for me; I'm domiciled in TX and they wanted my SS card. I still have my original card and it's laminated. I've heard reports that some DMV employees won't accept laminated cards. They would not accept my mailing address even though I had several letters, including the VA, sent to me there. She...
by flamesabers
Fri Oct 13, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1583

Re: $5.5K to invest - best strategy

On another note, it looks like funds just came out of my paycheck for traditional and Roth TSP mid-month. Is this normal that contributions are made in the middle of the month and again at the end? I just assumed it would all be deposited the end of the month. Yes, it sounds normal. TSP contributio...
by flamesabers
Fri Oct 13, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3670

Re: Pro and cons of the Prime offer by Amazon.......

The two day shipping is really convenient too... but I will admit that the convenience makes me buy more - maybe that's why they do it. I had the opposite experience back when the minimum spending for free shipping was $49. It seemed like I would end up buying more so I wouldn't have to pay for shi...
by flamesabers
Thu Oct 12, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 833

Re: Driver's License Number in regards to Equifax Breach

Earlier today I wrote about the REAL ID Act of 2005 (that's how Congress wrote its name). The post may help shed light. PJW From what I understand, MN residents will not be mandated to "upgrade" to the enhanced driver license or the Real ID driver license even after the October 1, 2020 deadline. Th...
by flamesabers
Thu Oct 12, 2017 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 49
Views: 5796

Re: How young is too young to retire.

I know this is really hypothetical but for the people on here, do you feel that there is an age that is simply too low to consider retirement regardless of assets? I don't think there is any particular age that is too young for retirement. However, it's simply not feasible for the vast majority of ...
by flamesabers
Thu Oct 12, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Driver's License Number in regards to Equifax Breach
Replies: 12
Views: 833

Re: Driver's License Number in regards to Equifax Breach

My DL number didn't change when I got a Real ID license. I suppose you could ask for a new number when you get the Real ID, but I'm not sure if they'll give you one (may depend on the state, of course). My Real ID license looks exactly the same as my old license except that it has a little gold sta...
by flamesabers
Thu Oct 12, 2017 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1880

Re: Selling Tradelines

Interesting writeup here: https://wealthyaccountant.com/2017/10/11/tradelines-the-1000-an-hour-side-gig/ I think this statement from this article says a lot if banks finds out what you're doing: The banks generally don’t like tradelines being sold. Their biggest concern is fraudsters increasing the...
by flamesabers
Thu Oct 12, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11848

Re: [Prevent mail theft; sign for USPS Informed Delivery]

After failing the security part of the verification process and waiting 72 hours and trying and failing again, I'm convinced that USPS doesn't know the correct answers to my ID verification questions. Yes, I know how much my home sold for, what year it was built, what counties I've lived in, old ph...
by flamesabers
Thu Oct 12, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1583

Re: $5.5K to invest - best strategy

What are your goals? If anything, your goals should be driving your investments. Goals are $10K/mo. passive income by 12/31/19 and $3M net worth by 12/31/20. When you're striving to build up your net worth I don't think speculating on bitcoins (or any other individual asset) is a good way to achiev...
by flamesabers
Thu Oct 12, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket in Retirement
Replies: 46
Views: 5163

Re: Tax Bracket in Retirement

My question is what are the factors that one can consider he/she'll be in a higher or lower bracket in retirement? One major factor is the time gap (if any) between when you stop working and when you start collecting social security. A tricky issue with social security income is it can be completel...
by flamesabers
Thu Oct 12, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 38
Views: 2548

Re: Antivirus Software Recommendations

I use Eset and Malwarebytes (free version).
by flamesabers
Thu Oct 12, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4818

Re: Is there boglehead consensus on buying a car?

I think the boglehead consensus is to buy a car you can afford. If you have enough money and your finances are solid, you could probably afford a newer, fancier car if you so desire. If on the other hand you're swamped in debt or you don't have good job security, I think the consensus would be to ge...
by flamesabers
Thu Oct 12, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: $5.5K to invest - best strategy
Replies: 22
Views: 1583

Re: $5.5K to invest - best strategy

I would suggest putting the $5.5k in a Roth IRA. After all, you can only invest so much in retirement accounts and once the deadline has passed you can't make retrograde investments in retirement accounts for prior years.