Search found 1562 matches

by flamesabers
Thu Dec 14, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Getting rid of junk mail?
Replies: 21
Views: 1262

Re: Getting rid of junk mail?

1. Are you getting actual letters for previous tenants or just advertisements/magazines? If it's the former, I suggest writing "return to sender" on the envelope and putting it back in your mailbox. 2. Have you tried emailing the companies to be removed from their mailing list? (You should use a dis...
by flamesabers
Thu Dec 14, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: How would you save for retirement if you were 28?
Replies: 11
Views: 1974

Re: How would you save for retirement if you were 28?

My brother and I own a small business so I don't have (or will have) the advantage of an employee sponsored plan for a while. Glad to know Roth makes more sense and I think you're right that I won't know my tax bracket at retirement. Is maxing out a rIRA enough? Self-employed individuals can create...
by flamesabers
Thu Dec 14, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How can independent contractors legally move their salary to the following year?
Replies: 9
Views: 674

Re: How can independent contractors legally move their salary to the following year?

As a self-employed person, do you operate your business on an accrual basis or cash basis?
by flamesabers
Thu Dec 14, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Utilizing Intro 0% APR Credit Card offers the right way
Replies: 9
Views: 452

Re: Utilizing Intro 0% APR Credit Card offers the right way

Are there very many that don't have a 3% up front fee? Last time I checked (about 12 months ago), there was only one I found without the fee and it had the shortest 0% interest period (12 months). All of the others I found (with anywhere from 12 months to 24 months 0% apr) included a transfer fee. ...
by flamesabers
Thu Dec 14, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Guided Solutions - Spouse is Employee
Replies: 37
Views: 2515

Re: Edward Jones Guided Solutions - Spouse is Employee

Perhaps I do not understand this correctly, but does EJ not permit that the poster has a 401(k) with his employer, but has to have am IRA with EJ instead? The right to a 401(k) is federal law and EJ does not permit that? OP is talking about his non-401(k) accounts - IRAs & taxable brokerage account...
by flamesabers
Thu Dec 14, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Utilizing Intro 0% APR Credit Card offers the right way
Replies: 9
Views: 452

Re: Utilizing Intro 0% APR Credit Card offers the right way

Having a balance of 50% (or close to) against one credit card's limit is a bit too high I think. I suggest keeping it under 30%. Otherwise your creditors might start to worry you're becoming insolvent when you're having such a high utilization rate on a single credit card for several months or more....
by flamesabers
Thu Dec 14, 2017 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard voyager client service
Replies: 6
Views: 819

Re: Vanguard voyager client service

Does anyone have any recommendation on a conservative bond vanguard fund? I am thinking of moving my IRA CD into a bond fund. Outside of corporate bonds and emerging markets, I think most of Vanguard's bond funds are conservative. Vanguard has a number of treasury and other government-backed bond f...
by flamesabers
Thu Dec 14, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing out my TSP while deployed
Replies: 3
Views: 273

Re: Maxing out my TSP while deployed

OP, I would recommend checking out this thread: https://www.bogleheads.org/forum/viewtopic.php?t=127300 Based on my understanding, trying to contribute the full $55k to your TSP is only worthwhile if you're planning on leaving the service soon after your deployment. In other words, are you intereste...
by flamesabers
Thu Dec 14, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hire CPA or file my own taxes?
Replies: 12
Views: 930

Re: Hire CPA or file my own taxes?

Do I run significant risks if I file myself? What if I accidentally mess something up? If you considered yourself a relatively capable numbers person, would you make the jump right to a CPA? Generally I think people who hire a CPA to do their taxes fall into one or both categories: 1. People who ha...
by flamesabers
Thu Dec 14, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 1077

Re: Active Duty Military Bereavement Leave?

My familiarity is with the army, not the air force, but I would like to give my $0.02 on the matter. Also, Is there any chance of a CO viewing even a request for leave due to a death in the family negatively? Usually I would say no. I think the vast majority of Commanders recognize that their servic...
by flamesabers
Wed Dec 13, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2684

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

I've been doing the lump-sum investment for my Roth IRA for years now. It simplifies my life as it's one less thing I have to budget for the rest of the year and it gives my Roth IRA contribution more time to grow tax-free.
by flamesabers
Wed Dec 13, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 1921

Re: Novel Gift Ideas for Adult Siblings

Other crazy idea, is to give him $100 or whatever amount you are willing to pay in bitcoin. I personally wouldn’t buy it but I wouldn’t mind receiving it. If it goes to zero, so what, it’s no more wacky then these toys. You can't really wrap up bitcoins though. :D Another consideration is unless he...
by flamesabers
Wed Dec 13, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Novel Gift Ideas for Adult Siblings
Replies: 27
Views: 1921

Re: Novel Gift Ideas for Adult Siblings

How about a personalized gift? It could be something like a wood carving with your sibling's name on it. Or how about ordering a calendar with family pictures on it? Unlike items you can purchase easily online or from a store shelf, personalized gifts usually require a bit of planning and design.
by flamesabers
Tue Dec 12, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 20
Views: 1374

Re: Progressive Insurance

Mndiver wrote:
Mon Dec 11, 2017 10:06 pm
Anyone have experience with Progressive?
I've never been a customer of Progressive, but I have received a lot of junk mail from them over the years. :annoyed
by flamesabers
Tue Dec 12, 2017 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 36
Views: 4140

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

I’ve used H&R Block software for several years and I’ve been happy with it. I've also used H&R Block software for years and I've been a happy customer of them for the most part. My only complaint is last tax year I had to upgrade my product for the system to be able to include my foreign tax credit...
by flamesabers
Tue Dec 12, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 15808

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

Travelgeek, The email doesn't always show everything. I saw this at the end of my most recent email: "You may have more mail or packages than is shown here. To check, go to your Dashboard." Other then bulk-mail, my emails have always matched up what I actually get in my mailbox. I'm not sure if the...
by flamesabers
Tue Dec 12, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Term life insurance: fine print and credit ratings
Replies: 13
Views: 1216

Re: Term life insurance: fine print and credit ratings

1) Are all of the available life insurance providers included here? Or, do some choose not to list on term4sale? I would suggest contacting one or more independent insurance agents to ensure you're not missing out on anything. 2) I am wary of bankruptcies and therefore want to reduce my counterpart...
by flamesabers
Tue Dec 12, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3529

Re: best cashback credit card ?

overthought wrote:
Tue Dec 12, 2017 12:25 pm
Is USAA really 2.5%? The web site seems to advertise only 1.5%?
It's 2.5% if you make a $1k monthly direct deposit into your USAA checking account.

If you don't already have the card though, it's difficult to obtain seeing as only Louisiana residents are eligible to get the card now.
by flamesabers
Tue Dec 12, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 15808

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

I'm still getting the email in the morning. If I don't get the email by noon, I assume I didn't get any legitimate mail for the day (which has been the case thus far).
by flamesabers
Tue Dec 12, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3529

Re: best cashback credit card ?

whats the best credit card with highest cashback on gas and stores etc currently. For gas I use USAA's Cashback Rewards Plus Amex. I get 5% cashback on the first $3k I spend every year at gas stations. You can also get 2% on the first $3k you spend every year at supermarkets, but I don't bother wit...
by flamesabers
Mon Dec 11, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Deadlines and limits for IRA and 401k accounts
Replies: 5
Views: 229

Re: Deadlines and limits for IRA and 401k accounts

The deadline to make a 2017 IRA contribution is 04-17-18. https://www.irs.gov/retirement-plans/ira-year-end-reminders For 401k contributions I recommend checking with her employer. However, generally December 31st of the calendar year is the last day you can make a contribution to your 401k for the ...
by flamesabers
Mon Dec 11, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 1248

Re: Paying off a mortgage with an almost non-existent rate

Should we just throw that $750 into our money market account? Or since we are maxing everything out, would it make sense to pay the mortgage off early? Does it ever make sense to pay off a mortgage with such a low interest rate? At such a low rate, I recommend investing over paying down the mortgag...
by flamesabers
Mon Dec 11, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 9
Views: 669

Re: Build credit or pay in full

OP, I would recommend paying off the loan. It's not necessary to have a diverse amount of credit to have a good credit score. I currently only have credit cards on my credit report and I still have a good credit score. Your credit score will be temporarily augmented for the length of your loan becau...
by flamesabers
Mon Dec 11, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Same Multiple credit cards
Replies: 6
Views: 795

Re: Same Multiple credit cards

Is the promotion addressed specifically to you? Or is the promotion addressed to "Discover customer" or whatnot? If it's the latter, maybe Discover won't give you the promotional offer but is hoping you'll share the news with your family/friends?
by flamesabers
Fri Dec 08, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4449

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

Sorry.. this makes no sense to me as I stated earlier as a nerd engineer. It could possibly be as simple as the lenders having a policy that says if applicants doesn't have a certain type of income then they won't get any type of loan. Even if the variable self-employment income isn't the dealbreak...
by flamesabers
Fri Dec 08, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4449

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

Adding background information.. Family friend is >60 years old.. and has done antiques for many years... income goes up and down, and no.. if selling Antiques went south... he would not have other options to "earn" income. So.. you have assets, Not all assets are the same. There's a world of differ...
by flamesabers
Fri Dec 08, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Which is the lesser evil? (Regarding deductibles & coinsurance)
Replies: 14
Views: 539

Re: Which is the lesser evil? (Regarding deductibles & coinsurance)

niceguy7376 wrote:
Fri Dec 08, 2017 4:13 pm
QuestionEverything wrote:
Fri Dec 08, 2017 3:26 pm
I have only had an HSA account once. I was not with that company for long so maybe the reason why they told me I had to use everything I had in the account by the end of the year is because I was leaving the company?
That is wrong info.
It sounds more like an FSA, not an HSA.
by flamesabers
Fri Dec 08, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4449

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

To clarify: He has discussed new mortgage options and feedback from banks is the same.. your income is too low, regardless of value of property. Again... I find this odd.. if his credit score was suspect, or he had multiple bankruptcies.. I might understand. But.. his credit history is excellent.. ...
by flamesabers
Fri Dec 08, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Which is the lesser evil? (Regarding deductibles & coinsurance)
Replies: 14
Views: 539

Re: Which is the lesser evil? (Regarding deductibles & coinsurance)

QuestionEverything wrote:
Fri Dec 08, 2017 3:08 pm
Do you still have to use the money in the HSA by the end of the year?
No, an HSA isn't like an FSA. The money can rollover from year to year. In fact, some people end up using an HSA like a stealth IRA.

https://www.bogleheads.org/wiki/Health_ ... ithdrawals
by flamesabers
Fri Dec 08, 2017 3:13 pm
Forum: Investing - Theory, News & General
Topic: National Pearl Harbor Remembrance Day
Replies: 19
Views: 1060

Re: National Pearl Harbor Remembrance Day

I actually heard President Roosevelt's speech on the radio while I was in my room at Riverside Military Academy in Georgia. It was especially ominous for me, a 12th grade senior, because I knew it probably meant I would soon be drafted into the military -- which is what happened (I subsequently vol...
by flamesabers
Fri Dec 08, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Which is the lesser evil? (Regarding deductibles & coinsurance)
Replies: 14
Views: 539

Re: Which is the lesser evil? (Regarding deductibles & coinsurance)

The only plan that says it is eligible for an HSA is plan 1. In that case I think plan #1 is the winner (or lesser evil of the four plans). At least with an HSA you'll be able to set aside some money in a tax-advantaged account in the event your family requires a lot of medical care during a calend...
by flamesabers
Fri Dec 08, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Active duty family allocation advice please
Replies: 6
Views: 560

Re: Active duty family allocation advice please

Right now we have been socking away just over 1k a month into the Roth TSP. TSP has ~$30k. Although we have been maxing the TSP, I'm wondering if this is the best move for us. At your tax bracket, Roth contributions are a good choice. If you get into the 25% bracket or higher, you may want to switc...
by flamesabers
Fri Dec 08, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Have been sitting out, and ready to invest the Bogle way
Replies: 18
Views: 2289

Re: Have been sitting out, and ready to invest the Bogle way

Welcome to the forum! :beer 1. Nobody knows for certain how bonds (or any other part of the market) will perform in the future. If you want to hold bonds, go ahead and include bonds in your portfolio. You're investing for the long-term after all. Market timing and performance chasing aren't a feasib...
by flamesabers
Fri Dec 08, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any guilty pleasure investments?
Replies: 53
Views: 2949

Re: Do you have any guilty pleasure investments?

Maybe it's because I'm not financially independent, but I don't have any guilty pleasure investments.
by flamesabers
Fri Dec 08, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Which is the lesser evil? (Regarding deductibles & coinsurance)
Replies: 14
Views: 539

Re: Which is the lesser evil? (Regarding deductibles & coinsurance)

I would say plan 2 is the worst of the lot since it has the highest OOP maximums. How big are the differences in premiums between the three plans? If it's significant, I would say go with plan 1, since it has close to the same OOP maximum as plan 3. If it's relatively close, I would suggest going wi...
by flamesabers
Fri Dec 08, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 39
Views: 4266

Re: Why is Vanguard switching all accounts to brokerage accounts?

One potential advantage is, at least as I understand it, the separate mutual fund accounts do not get protected under SIPC https://www.sipc.org/ I think the topic of SPIC has been covered before in the brokerage upgrade threads. My understanding is that brokerage accounts are subject to more risk, ...
by flamesabers
Fri Dec 08, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2647

Re: Paying taxes with credit card?

iflyjetzzz wrote:
Fri Dec 08, 2017 4:26 am
I don't file a state return; all good Bogleheads live in states with no income tax. :mrgreen:
Living in a state without an income tax sounds good on paper, but you're probably getting charged more in property taxes and/or sales taxes. :wink:
by flamesabers
Thu Dec 07, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: SSN on job applications
Replies: 33
Views: 1741

Re: SSN on job applications

Yet, how does a prospective employer make a job offer before checking background/references? Doesn't an employer need to get your consent before doing a background check? I think that would be the ideal time to ask for your SSN or any other such information. For the record though, leaving off the S...
by flamesabers
Thu Dec 07, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5447

Re: What do Bogleheads say when they don't want to spend money?

My dad talks about how much harder it was to say "no" to us as kids and teens once "we can't afford that" wasn't accurate. When he was growing up and while I was very young, "we can't afford that" was the simple end of any pleading or arguing we tried to do to get a toy/McDonald's/whatever. Once th...
by flamesabers
Thu Dec 07, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 51
Views: 6277

Re: I-Bonds?

Why not 100% of emergency funds ? I would say for the same reason why it's not recommended to have only one credit card or have credit cards with only one bank. If you ever need to use your emergency funds you don't want it to be when the Treasury Direct website is down for maintenance or you get l...
by flamesabers
Thu Dec 07, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5447

Re: What do Bogleheads say when they don't want to spend money?

I think the question of being able to afford something is very open-ended. I consider it more as a figure of speech then as a statement of fact when it comes to expenses that by itself probably won't break your budget. I usually say something like "it's not worth it to me." Instances of this would b...
by flamesabers
Wed Dec 06, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH 401K funds into plan with only 401K option
Replies: 5
Views: 288

Re: ROTH 401K funds into plan with only 401K option

My question is about what becomes of the after-tax ROTH 401K funds when they move over into the new plan that has a pre-tax 401K option? How are those funds now handled in a plan that has no ROTH 401K option for them to transfer directly into? My guess would be that the plan administrator would req...
by flamesabers
Wed Dec 06, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10355

Re: Price of haircut?

I have been buying the great clips promotion in December every year. I still have many more $9.99 haircuts on my card as my hair is showing age and i need less visits per year. I paid for $120 two years back and $60 last year and I get $9.99 haircuts out of them. $2 tip extra every time. This year ...
by flamesabers
Wed Dec 06, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2794

Re: Work from Home Jobs

raamakoti wrote:
Wed Dec 06, 2017 12:09 pm
She is not much of a driver, only drives for things which are in 10 mile radius and she never steps on highways.
Would public transit be a possibility for her to get to/from work everyday?
by flamesabers
Wed Dec 06, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Cat sitter info
Replies: 21
Views: 1026

Re: Cat sitter info

Ideally, you'd choose someone you know -- preferably another cat owner. When I had a cat, I had a deal with one of my neighbors; I'd take care of her cat when she was gone, and she'd take care of ours when we were gone. This is what I did when I traveled. I would not trust anyone that I did not kno...
by flamesabers
Wed Dec 06, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5746

Re: Mortgage as percentage of take-home pay

This seems to follow the mindset of buying a car based on minimizing the monthly payment. You can tweak loan parameters to get any answer you want, but to what end? Think long term not short term. +1. I don't think your housing cost to take-home pay will necessarily make or break your financial hea...
by flamesabers
Wed Dec 06, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5746

Re: Mortgage as percentage of take-home pay

I see it as more of a guideline then as an unbreakable rule. For instance, it shouldn't be used as a rationale for buying a more expensive house then what is sensible for you. Also, if you're suddenly unemployed, had your hours cut, or otherwise working a temporary job, then obviously your mortgage ...
by flamesabers
Wed Dec 06, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Boglehead's approach to holiday gift giving?
Replies: 4
Views: 380

Re: Boglehead's approach to holiday gift giving?

I set a budget for my holiday shopping: no more then $20 per person. It's my compromise between my desire to stop gift giving for the adults in the family and the family members who want to continue the gift giving tradition.
by flamesabers
Tue Dec 05, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying taxes with credit card?
Replies: 28
Views: 2647

Re: Paying taxes with credit card?

Derivative wrote:
Tue Dec 05, 2017 3:36 pm
Do you guys pay your taxes with credit card?
I don't, in part because of the nagging concern it will get coded as a cash advance. Plus, I try to break-even versus having to pay in a lot at tax time.