Search found 1791 matches

by flamesabers
Tue Aug 13, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Provider choosing to bill as out of network
Replies: 35
Views: 2502

Re: Provider choosing to bill as out of network

This sounds a bit suspicious. Without knowing the precise details of your plan, it's impossible to know exactly why your provider is trying to do this. My recommendation is to contact your insurance company immediately. There could potentially be a bit of delay with getting your claims paid due to t...
by flamesabers
Sun Aug 11, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 1926

Re: Is it time to sell I-Bonds?

How long have you had these I-Bonds? If it's under 5 years, you may want to keep them for at least 5 years to avoid the 3-month interest penalty.

If the money market rate fell below what you're earning with I-Bonds, would you be more inclined to keep your money with the I-Bonds?
by flamesabers
Wed Aug 07, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 12448

Re: Amazon -- no longer the lowest prices, evidently

Is it just grocery items where Amazon is way over-priced? Or does it extend to other categories? I think it extends to other categories. I don't shop on Amazon nowhere near as often as I did years ago. Unless I'm looking for a product I can't find elsewhere, Amazon probably won't be the best price ...
by flamesabers
Wed Aug 07, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One credit card statement late
Replies: 15
Views: 1083

Re: Capital One credit card statement late

I haven't had any issue with my Capital One statements. My next statement should be coming out in the middle of the month.
by flamesabers
Tue Aug 06, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 147
Views: 12714

Re: Equifax settlement: how to file claim?

I filed my claim for the $125 payment today. I'll wait and see what (if anything) comes of it.
by flamesabers
Mon Aug 05, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Putting my wallet on a diet
Replies: 17
Views: 1807

Re: Putting my wallet on a diet

I'm wary of becoming reliant on my phone for ID or making payments. If you're unable to charge it, accidentally drop it or if through no fault of your own it suddenly stops working, you may be in a difficult position until you can get the physical forms of your ID or payment cards.
by flamesabers
Fri Aug 02, 2019 8:06 am
Forum: Personal Investments
Topic: Stop myself from making bad trades
Replies: 35
Views: 2507

Re: Stop myself from making bad trades

What self-imposed rules do you think you could adhere to stop making bad trades? One option for instance would be to keep a sign next to your computer monitor or something else to remind yourself that nobody can consistently beat the market for the long-term. Another option would be to make yourself...
by flamesabers
Fri Aug 02, 2019 12:52 am
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1437

Re: USAA suspects credit card may have been compromised

I did not get that message. I did get a message from USAA asking me if I had charged $4400 and $6000 at Target two weeks ago. I have not been in a Target store in two years. So I got new credit cards. After I read the message I check to see if there were any pending transactions on the card. There ...
by flamesabers
Thu Aug 01, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: USAA suspects credit card may have been compromised
Replies: 17
Views: 1437

USAA suspects credit card may have been compromised

Hello, I got a message today from USAA that they suspect one of my credit cards (USAA Rate Advantage Visa Platinum® Card) may have been compromised. They are sending me a new card. The odd thing is this particular card I seldom use (unlike my Limitless Visa) nor do I have a recurring charge set up o...
by flamesabers
Tue Jul 23, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 6567

Re: Should relative incomes be a factor in wedding gift?

Realistically, we'll still have to give a respectable amount, of course (or alas), but beyond that, should this disparity in wealth be a concern at all? I think you're overthinking this whole issue. You're giving a gift, not making estimated tax payments to the IRS or something. You're being invite...
by flamesabers
Wed Jul 17, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Would you pay that much for parking?
Replies: 26
Views: 1998

Re: Would you pay that much for parking?

I pay $45 a month to rent a garage from my apartment complex. Since my area can get a lot of snow during the winter season, I think the money is definitely worth the convenience. Another benefit of having a garage is I don't have to move my car around if I'm home and the snow plow is coming to clear...
by flamesabers
Wed Jul 17, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a transaction free credit card for Ireland?
Replies: 70
Views: 2963

Re: Do I need a transaction free credit card for Ireland?

OP, I prefer to avoid extra fees (even small fees) when it's reasonably convenient to do so as a matter of principle. If I was in your shoes, I would definitely get a credit card that doesn't have a fee for international transactions unless you're so close to your departure date that it's unlikely y...
by flamesabers
Mon May 13, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Internet speed recommendation
Replies: 26
Views: 1637

Re: Internet speed recommendation

10-20 mbps is plenty for streaming Netflix and Hulu. If you want to stream UHD (4K) you would probably want 30-40 mbps at a minimum. Otherwise, the extra bandwidth is only useful for downloading large files (faster) or sharing the connection with multiple devices at once. https://help.netflix.com/e...
by flamesabers
Fri May 03, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12205

Re: Rarely used items that are worth having?

a snow roof rake I had no idea such a thing existed. This is actually something different from a regular rake? If they are what I think the are, it is a very long handle rake-like device that is used to pull snow off a roof. I've seen variations ranging from wooden dowl tines to ends that looked li...
by flamesabers
Fri May 03, 2019 9:37 pm
Forum: Personal Investments
Topic: My PenFed 5 yr CDs are maturing
Replies: 39
Views: 3721

Re: My PenFed 5 yr CDs are maturing

Do you think I should move the money, either to brokered CDs or Total Bond Market fund, or just let them renew at 3.5%? Unless you want to consolidate your accounts for simplicity sake or move the money into tax-advantaged accounts (i.e. IRA or savings bonds), I would suggest letting the CDs renew ...
by flamesabers
Fri Apr 19, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: At what point would you hire someone vs. cut down a tree yourself?
Replies: 88
Views: 3584

Re: At what point would you hire someone vs. cut down a tree yourself?

I think the first step would be to get some quotes on how much it would cost for a professional to do the job. If it's not too much for your budget, the simplest solution would be to let the experts take care of it I think. In addition to cutting down the trees/branches, they would probably also get...
by flamesabers
Tue Apr 16, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: My life insurance company wants to "help me save money"
Replies: 26
Views: 2366

Re: My life insurance company wants to "help me save money"

Is there a particular reason why you got term 75 life insurance in the first place? Unless you have a dependant(s) who is reliant on your income, you don't need life insurance, let alone life insurance until age 75.
by flamesabers
Tue Apr 09, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6923

Re: How Much Do You Pay For Haircut?

I pay the same as you. Every now and then I get coupons so I pay less then the usual $15 rate.
by flamesabers
Tue Apr 09, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 5574

Re: Solution for a thick wallet

How many of the cards in your wallet are you actually using on a regular basis? Rather then try to find a high-tech solution to make your wallet thinner, I would suggest the old-fashion (and cheaper) solution of keeping only your most used/essential cards in your wallet. With your gift cards I would...
by flamesabers
Wed Mar 13, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 7079

Re: Any credit cards that can beat the Citi doublecash?

vu8 wrote:
Wed Mar 13, 2019 1:30 pm
I only shop at Walmart, so a lot of "3%" groceries cash back doesn't apply to Walmart shamefully!
If you do a lot of online shopping with Walmart, I would suggest the Walmart credit card. You'll get a 3% statement credit on purchases you make on Walmart's website.
by flamesabers
Wed Mar 13, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1584

Re: Army Reserves at 41 as an MI Captain

Hello, I've been on active duty for five years and in the reserves as a TPU soldier for about the last eight years. I've always been enlisted and logistics is my line of work. I think one thing to consider is how do you feel about pursuing two careers simultaneously? Being a federal employee helps a...
by flamesabers
Wed Mar 06, 2019 1:19 pm
Forum: Personal Investments
Topic: Mental accounting question
Replies: 16
Views: 1053

Re: Mental accounting question

Hello and welcome to the forum! :beer "...The Truth is, you should kick yourself for giving the government an interest-free loan. Tell your employer to reduce the amount of income taxes withheld in your account for the past year. That money shoulve have been compouding in your account for the past y...
by flamesabers
Sun Mar 03, 2019 6:30 pm
Forum: Personal Consumer Issues
Topic: Available Visa CC offers with $100 - $300 Bonus?
Replies: 6
Views: 599

Re: Available Visa CC offers with $100 - $300 Bonus?

Hello. When you say best offer, do you mean strictly in terms of signup bonus or the best sign-up bonus and cashback rate? If you're looking for credit cards that offer $100-$300 signup bonuses, I would say check out: 1. Capital One Quicksilver &Savor One 2. Bank of America Cash Rewards 3. Wells Far...
by flamesabers
Tue Feb 26, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block vs TurboTax (spoiler: HRB is awful)
Replies: 88
Views: 10579

Re: H&R Block vs TurboTax (spoiler: HRB is awful)

I've been using H&R Block software for the last eight years without much trouble. Since I get the software for free through Military OneSource, I can't complain.
by flamesabers
Tue Feb 26, 2019 1:44 pm
Forum: Investing - Theory, News & General
Topic: Could Vanguard be right about International Bonds?
Replies: 42
Views: 5260

Re: Could Vanguard be right about International Bonds?

From my 30K ft. view, it seems that the returns do compensate for the additional risk created by duration differences (using the Larry Swedroe 20 basis point per year comparison) and the past year at least seems to confirm Vanguards point of view on the possible diversification benefits. Is it time...
by flamesabers
Mon Feb 25, 2019 3:58 pm
Forum: Investing - Theory, News & General
Topic: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"
Replies: 110
Views: 7773

Re: "Warren Buffett says if you invested $10,000 in the S&P 500 in 1942, you'd have $51 million today"

$10,000 was a ton of money to have available for investing in 1942. Very true. According to the US Inflation Calculator website, $10,000 in 1942 is equivalent to $154,424.54 in 2019. Another measurement to consider is the minimum wage of that time. In 1942, the federal minimum wage was $0.30 or $62...
by flamesabers
Thu Feb 21, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 11699

Re: How did mylife.com get my info?

Is there anything I can do to foster a lower online profile? I did some Google searches on how to remove my profile from MyLife and sites like it. I haven't been able to remove my name completely from the Internet, but I have reduced the scope of my online presence. As others have said, these websi...
by flamesabers
Sun Feb 17, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin
Replies: 52
Views: 4939

Re: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin

Could it be argued that an efficient market is a public good, that active investing and research are instrumental in keeping the market efficient, and that it is unfair to active investors that they should be bearing the cost of keeping it efficient when it benefits all? If successful, active inves...
by flamesabers
Sun Feb 17, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: send in driver's license photo for new Capital One credit card
Replies: 42
Views: 4762

Re: send in driver's license photo for new Capital One credit card

Wrong. There is no requirement to purchase a new license every time you move in-state, in every state that I have lived in. Nor am I interested in doing so just to keep some clueless banker pacified. As long as you notify the DMV/MVA/RMV/xxx you have met your obligations. What state forces you to p...
by flamesabers
Sat Feb 16, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: send in driver's license photo for new Capital One credit card
Replies: 42
Views: 4762

Re: send in driver's license photo for new Capital One credit card

Normally I would expect banks would ask for ID before approving a credit card application, not after.
by flamesabers
Sat Feb 16, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin
Replies: 52
Views: 4939

Re: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin

I think you're raising a great question, but doesn't passive investing raise its own issues? If I understand correctly, indexing or passive investing depends on the market's being (at least approximately) efficient, which depends on there being people whose activity helps to ensure that everything ...
by flamesabers
Fri Feb 15, 2019 9:06 pm
Forum: Investing - Theory, News & General
Topic: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin
Replies: 52
Views: 4939

Re: Charlie Munger: Teaching young people to actively trade stocks is like starting them on heroin

Thoughts? I think he's addressing a symptom and not the root cause of the problem. Active trading isn't of itself a problem I think. The real problem is believing that active trading is a shortcut to becoming rich. There's a big difference between actively trading with fun money and betting your pa...
by flamesabers
Tue Feb 05, 2019 6:08 pm
Forum: Personal Investments
Topic: Don't File Too Early
Replies: 47
Views: 6316

Re: Don't File Too Early

I think something to keep in mind is the IRS doesn't start processing returns until the end of January. The Internal Revenue Service today confirmed that it will process tax returns beginning January 28, 2019 and provide refunds to taxpayers as scheduled. https://www.irs.gov/newsroom/irs-confirms-ta...
by flamesabers
Tue Feb 05, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Checking Account Closed Involuntarily
Replies: 1
Views: 441

Re: Checking Account Closed Involuntarily

It may have been a combination of factors such as you taking advantage of banking bonuses, the checking account being less then six months old and mobile depositing what may be a bad check. I suggest you look over the terms of service for your checking account to determine if you inadvertently viola...
by flamesabers
Tue Feb 05, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 5044

Re: Vanguard Tax 2018 Forms Now Online

I have a "2018 Consolidated Form 1099 2019-01-27" that looks accurate. It shows all the dividends, short-term and long-term capital gains our funds paid and the totals match the 12/31/2018 account statements we received. The problem is the files Vanguard posted for downloading don't include any cap...
by flamesabers
Sat Feb 02, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 5044

Re: Vanguard Tax 2018 Forms Now Online

You add both, but don’t actually combine them... treat them separately. Since you switched midyear, some distributions are associated to the old platform and some on the new. You should treat it as two separate brokers. Thank you for the clarification. When I imported the forms into H&R Block softw...
by flamesabers
Fri Feb 01, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 5044

Re: Vanguard Tax 2018 Forms Now Online

I transitioned from the mutual-fund only platform to the brokerage platform last year and I got a letter from Vanguard today: We wanted to remind you that, as a result of the transition, you'll receive 2 separate sets of tax forms for 2018, a set for the old platform (available at the end of January...
by flamesabers
Thu Jan 31, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage "Benefits"
Replies: 108
Views: 9533

Re: Marriage "Benefits"

I think the benefits of getting married depends in part on what your future plans are. If say you're planning on starting a family and one of you is going to be a stay-at-home parent, I think there are good financial reasons to get married as mentioned by the other members here. However, despite the...
by flamesabers
Wed Jan 23, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8641

Re: What is a Boglehead funeral/burial?

I think a Boglehead funeral would be one where you determine in advance what kind of ceremony is consistent with your values and desire and then you plan that ceremony at the lowest cost within reason. +1. When planning for your funeral, I think what's most important is devising a plan that's reaso...
by flamesabers
Wed Jan 23, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 5044

Re: Vanguard Tax Forms Now Online

My tax forms are available in my Vanguard account online, but TurboTax is not able to import them yet (as of the morning of January 23). TurboTax provides an error message saying to try again in a few hours. I assume there is some technical reason why they aren't available for import yet. I'll try ...
by flamesabers
Sun Jan 13, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 35
Views: 1821

Re: What deductible for Comprehensive and Collision Insurance?

What can you afford to pay upfront in the event your car is damaged?

When I had comprehensive and collision insurance, I set my deductible to the maximum of $1k. The way I see it, the risk of having to pay a higher deductible was worth the guaranteed savings of a lower premium.
by flamesabers
Sun Jan 13, 2019 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone used Credit Karma Free (Fed + State) Tax Filing?
Replies: 5
Views: 551

Re: Anyone used Credit Karma Free (Fed + State) Tax Filing?

I do not. I use H&R Block as they offer a free service for military personnel through Military OneSource.
by flamesabers
Fri Dec 28, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: not funding kid's tuition
Replies: 102
Views: 3585

Re: not funding kid's tuition

Is anyone else in a similar mindset? While I can understand the mindset of not paying for your kids' tuition, I don't understand how the same mindset can justify giving your kids a car after finishing high school. There's no sense in trying to teach your kids about financial discipline and being sm...
by flamesabers
Thu Dec 20, 2018 9:25 pm
Forum: Personal Investments
Topic: what to do with cash if very risk averse?
Replies: 59
Views: 5896

Re: what to do with cash if very risk averse?

I have just about half as much as in my portfolio as I do sitting in cash, but I am very reluctant to invest anymore in anything else risky. I also don't need any of this cash for a while. I think something to bear in mind is there is more then one type of risk. $100 will always be worth $100 but t...
by flamesabers
Thu Nov 29, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Are Corp Bonds Worth Risk?
Replies: 66
Views: 6171

Re: Larry Swedroe: Are Corp Bonds Worth Risk?

If you want equity risk, you may as well go with the real thing. I agree. This is why I prefer to keep my rationalization for investing in equities separate from my rationalization for investing in bonds. I buy equities for growth and bonds for stability. If I want to buy both with the same purchas...
by flamesabers
Mon Nov 26, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Job Offer - Should I take it?
Replies: 58
Views: 4049

Re: Federal Job Offer - Should I take it?

I would suggest staying put. It's hard for me to imagine the incentives I would require for me to willingly move to a place where I'll be spending almost 5x on housing for a smaller home. If you need some adventure in your life, I recommend saving money for a family vacation. In the long-term it wil...
by flamesabers
Sun Nov 25, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Holiday Gift dilemma
Replies: 9
Views: 635

Re: Holiday Gift dilemma

investingdad wrote:
Sun Nov 25, 2018 12:47 pm
So, if you exchange Christmas or Holiday gifts with family and a family member said they just wanted money, your response is...?
I consider that a clear-cut indicator it's time to end gift exchanging in the family, at least amongst the adults.
by flamesabers
Sun Nov 18, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4082
Views: 755514

Re: What's Your Credit Card Rewards Strategy?

I heard Cap One will pull from any one of the three CRA's. So if your reports are frozen, it appears applying for this card will require all three CRA's to be unfrozen. :( If I remember correctly from when I opened a Quicksilver card a few years ago, Capital One does a hard pull on all three credit...
by flamesabers
Sat Nov 17, 2018 10:22 pm
Forum: Personal Investments
Topic: Should I invest now
Replies: 9
Views: 1004

Re: Should I invest now

Yes, I think you should invest now. Even though you're only two years from retirement, it's not like you're going to be cashing out 100% of your investments as soon as you stop working.
by flamesabers
Sat Nov 17, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: USAA getting out of mutual fund biz
Replies: 51
Views: 9415

Re: USAA getting out of mutual fund biz

columbia wrote:
Sun Nov 11, 2018 8:06 am
I like my 2.5% cash back (on all purchases) credit card from USAA.
Same here. It's one of my most used credit cards.