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hsv_climber

My general recommendation to Bogleheads readers of this thread is to regularly review three to six travel/credit cards/rewards blogs. They provide you with the latest news and contain useful information you did not seek. My regular go-to blogs are: http://frequentmiler.boardingarea.com/ http://mill...

hsv_climber

protagonist wrote:One other question....
Can seniors do withdrawals penalty-free, as is the case with Penfed IRA certificates and some others?

Sorry, I don't know. I am not a senior and have not researched this issue.

hsv_climber

Questions: Did you find the IRA transfer easy to do? Were you able to do it completely online, or with a bare minimum of emails (e.g., to email picture of ID and signed IRA application)? Or was their some hard-copy mailing required? Did you ask for and receive a guarantee that the rate would be hon...

hsv_climber

Personally, in taxable, I've also been buying 20-year can-not-touch-your-money 3.5% tax-deferred bonds, fully backed by US government.

hsv_climber

But I'm getting sidetracked....I suppose because I can identify with both of your sentiments. Back to CD's. If anybody finds a better offer please let me know. Thanks. I have not replied earlier, because I saw that you were only looking for CDs in taxable, but since this thread has started discussi...

hsv_climber

nanoanalyzer wrote:Per person, but be careful about using a joint account for transfers. More info on that in the fwf thread...

I've read about using joint accounts for transfers and I've thought that it is only for Mango.
Is Netspend / Brinks having the same issue?

hsv_climber

nanoanalyzer wrote:
achen9291 wrote: The limit is still 5 accounts?
Yes. Some folks have gotten away with 6. Luck of the draw, really.

Is the limit per person or per household? Can myself and wife open 5 accounts each?

hsv_climber

About United...United economy is 30,000 one-way + ~$80 anywhere in Western Europe. Price is about the same on a return ticket. So, you'd pay 60,000 UR (or United) points + ~$160 on a round-trip ticket to nearly any airport in Western Europe (there are few exceptions, such as higher London taxes) at ...

hsv_climber

I just would like to add about Southwest booking with points. Not only you can get your points back, but it is also extremely useful for getting the best value out of your points by re-booking the same flight. For example, you'd buy a one-way ticket from Point A to Point B on Aug. 10 for a flight on...

hsv_climber

Vanguard is taking care of its clients by prohibiting them to do anything about it, since Vanguard website keeps crashing...

hsv_climber

Btw, if one goes to e.g. London or Berlin and spends most time in museums, the savings in entrance fees will pay for at least one plane ticket, compared to doing the same in the US (other than DC). That is not correct. There are many great free museums in US outside DC. For example, check out St. L...

hsv_climber

I guess I am not following that if you went to Europe you would want to do the museums/architecture etc. but if stateside it would be a hiking vacation? Pretty much :-). We've already been to Alamo / Mission trail couple of years ago. Thanks to ASTC membership, we've been to many science centers ac...

hsv_climber

Have you thought about someplace like Tokyo instead? . It is an interesting idea. But we live in the Southeast, so I am guessing that travel time to Tokyo would be ~24+ hrs each way. That is a big deal, considering that we don't typically have too many days, since our plans are bounded by school ca...

hsv_climber

Have they been to NYC, DC recently? Did they enjoy it? Alternative to NPs could be cities here in the US. Never been to NYC. Spent a week in DC <2 years ago. They did not really like any of the Art museums, but had a good time in Air & Space (~8 hrs.), History, Newseum (also spent ~8hrs. there)...

hsv_climber

Trying to figure out either it is a good idea or not to take a family to Western Europe next Spring break (kids will be almost 13 and 8.5). We have never been there, so specific country is not that important, so it could be London or Paris or London + Paris or Barcelona/Spain or Rome / Florence. Ire...

hsv_climber

Why can't we just call it "volunteer"?

Many of us have done volunteering in the past and plan to do it in the future.

hsv_climber

10 year brokerage CDs (FDIC insured) are 3+% and provide a good alternative.

hsv_climber

Politics aside, lets not forget about possible economic sanctions that can be implemented against Russian companies in the near future. Gazprom is probably immune right now and might even make extra $$ due to rising natural gas prices in Europe, but other Russian companies may suffer and I have no i...

hsv_climber

I wish I could sell all Russian holdings from my VWO investments, but I don't know how.

hsv_climber

I've called PenFed regarding my Edu IRA that I've sent paperwork on Monday.
CSR said that they are 7-days behind on processing IRA paperwork, but will honor Jan. rate for the paperwork received in Jan.

hsv_climber

I understand about buying the gift cards - I have done that, but that still doesn't explain how you can avoid spending money using credit card #2 which also has some sort of spending requirement in the first 3 months. Not sure what you mean by CC # 2. But here it is in a nutshell - you apply for Ch...

hsv_climber

One thing I know you can do (if you go to the right stores), is buy them on one CC and return them on another CC. I've done this at a few stores, but mostly because my wife buys it on her Amex and I return it on my Amex. You could churn through $11k pretty quickly that way, but some stores will pro...

hsv_climber

ieee, there is no reason to become defensive. Yes, it is easy to spend any amount of money without actually spending much money ( I won't write how on the public forum). It is also very easy to push spending into future months. For example, you could buy an AMEX Gift Card using your new Chase card a...

hsv_climber

I believe only active accounts are counted against your "average age" credit score metric. So, canceling them doesn't really hurt, it is all the inquiries. Make sure you keep 1-2 old fee free cards to increase your account age. All accounts count against your "average age". The ...

hsv_climber

I did the $400 Chase Sapphire last January and just did the $400 Barclay card offer last month. Agreed, needs to be $400+ for me in cash or statement credits. If I waited for a $400 card, I'd be waiting forever. You and THY4373 are indeed very special individual. Where can you find a Chase Sapphire...

hsv_climber

What if you are a Boglehead - three fund port or a slice-and-dicer with perhaps no more than 6-8 funds - and also fairly frugal. You hit one of the really Powerball or Megabucks jackpots and end up with, let's say, a $50M lump-sum after taxes. One of the rules to win a lottery is to buy a ticket, w...

hsv_climber

Correct answer is D, since the option of driving 0 miles / year every year is not excluded by the question.

hsv_climber

Below is the best advice for your friend. Either he will follow it or not is up to him. What`s an investor to do? This is your answer -- whether bullish or bearish: The Boglehead Philosophy: 1 Develop a workable plan 2 Invest early and often 3 Never bear too much or too little risk 4 Diversify 5 Nev...

hsv_climber

It worked for me in AL. It worked for EmergDoc in UT.

One thing to watch out for is "earnings". I could not get it resolved, so 100% of my conversion went into "earnings". It is tricky and I don't have a solution for this.

hsv_climber

VictoriaF wrote: I must point out that that Victoria is not me.

(different) Victoria

I am guessing that it is this Victoria: http://www.early-retirement.org/forums/ ... 61956.html

hsv_climber

I bet that all this info is State / County - specific.

hsv_climber

If bitcoins are not really exchanged to the real $$$ then there is no reason why the size of the bitcoin market won't grow larger than the size of the world (or Universe) GDP.

Of course, it will burst the moment that some players will decide to cash in.

hsv_climber

Very good article about bitcoins: http://america.aljazeera.com/articles/2013/11/19/the-billion-dollarbitcoinrollercoaster.html That is the way to make money: In December 2012, Tom, a husband and father with a heavy load of student-loan debt, applied for a $30,000 interest-free loan from a credit car...

hsv_climber

Check out the Blue Cash Preferred from AMEX...probably the best deal out there. $75 annual fee 6% cash back at Supermarkets 3% cash back for gas and Dept Stores 1% cash back on everything else For us, card easily pays for itself in one month of use. It is not 6% @ Supermarkets. It is 6% at the stan...

hsv_climber

Profits have shot up since 2000. There was a hiccup in 2009, then back to meteoric rise. That looks unusual. What happened in 2000 that allowed profits to take off like that? There is a possible explanation that data is messed up in your charts, i.e. we are not looking at the correct data. Here is ...

hsv_climber

I agree with discman017. It is an interesting logic. Yes, it is definitely makes sense to wait till Nov.1 if we expect inflation to be higher in the future. ( BTW, with the current rate of 1.2% (or whatever it is), the difference between Oct 30 and Nov. 1 is $10 on $10,000 purchase. ) So, here is a ...

hsv_climber

Can I afford not to have X?

Sometimes answering a slightly modified question or a series of related questions can lead to a better answer.

hsv_climber

Hussman has turned bullish last month when he predicted that this market will have ": the possibility of a short-lived but spectacular speculative blowoff".
http://www.hussmanfunds.com/wmc/wmc130923.htm

Of course, some people believe in this noise and think that this time is different.

hsv_climber

Apple (AAPL) Hires Burberry CEO Angela Ahrendts to Oversee Retail Stores. http://abcnews.go.com/Technology/burberry-ceo-angela-ahrendts-join-apple/story?id=20574025 Starting in the spring, Ahrendts, 53, will report directly to Apple CEO Tim Cook and will oversee the company's online and retail store...

hsv_climber

Yes. Not that I am proud, but I did without health insurance (and some other far more embarrassing things) for the year. I owned a car but it was parked for over 13 months in my garage, I biked or walked 100% of the time (even in the crazy Houston rain). I was fortunate to be only a few blocks from...

hsv_climber

"Spending on things" vs "spending on experience" is a very questionable debate. For example, anyone can search this forum and find Victoria's post on how she boasts about her new REI backpack. Sure, it could be argued that she has bought it to improve her future "experiences...

hsv_climber

stoptothink wrote:I lived off ~$10k in '12 (final year of my PhD), $7200 of that was rent.

Does this number includes medical/dental insurance and car/bike/etc. amortization that has happened during that year?

hsv_climber

gerrym51 wrote:market will tank on monday.

Currently down by 0.2%... Truly scary drop.

hsv_climber

Lets not forget that GNMA and TBM share ~24% of their portfolios, i.e. ~24% of TBM is in Mortgage-backed securities. That is a big chunk that might be responsible for the high correlation.

hsv_climber

Why would you want for a 12-year old to start with advanced programming? Programming Linux really mean OS-specific programming. IMHO, the best place to start for a 12-year old would be either khan academy (yes, they do have a programming section) or Python programming for kids ( http://inventwithpyt...

hsv_climber

Considering that yield on US bonds did not rise in Oct. despite all the talks, we should assume that collective market wisdom does not believe that anything bad should happen to BND. OTOH, I am surprised that stock market has not lost more than it did. Unlike bonds, stocks have real danger, since al...

hsv_climber

Statement is false.
Selling debt cheap won't devalue $.

BTW, I will be more than happy to be on the other side of that trade

.

hsv_climber

Rob, You are seriously underestimating the beauty of UT / AZ / NV state parks. They are as beautiful as National Parks in the area, but much less crowded. Even with the shutdown, there will be less people in the State Parks than you would've seen in Zion. To see it for yourself, just type in the nam...

hsv_climber

There are many wonderful State Parks in UT / AZ / NV that are as beautiful as National Parks.

Just to name a few: Red Rocks, Valley of Fire, Snow Canyon, Cathedral Gorge, etc....
And then around Page, AZ, you've got Antelope Canyon and Horseshoe Canyon.

hsv_climber

Here are the last few years foo VFINX: 2013 +20.73% so far 2012 +13.45% 2011 -0.03% 2010 +12.82% 2009 +23.56% 2008 -38.52% Too many good years there. There's got to be some payback eventually. This is not a good time to be adding U.S. stocks and going 100% Of course, it is hard to predict market cy...

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