Search found 3900 matches
- Fri Feb 24, 2017 6:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: What's Your Credit Card Rewards Strategy?
- Replies: 4967
- Views: 950561
Re: What's Your Credit Card Rewards Strategy?
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...
- Sun Jan 17, 2016 11:00 am
- Forum: Personal Investments
- Topic: Large amount of CDs maturing....what to do?
- Replies: 162
- Views: 25664
Re: Large amount of CDs maturing....what to do?
Sorry, I don't know. I am not a senior and have not researched this issue.protagonist wrote:One other question....
Can seniors do withdrawals penalty-free, as is the case with Penfed IRA certificates and some others?
- Sun Jan 17, 2016 10:58 am
- Forum: Personal Investments
- Topic: Large amount of CDs maturing....what to do?
- Replies: 162
- Views: 25664
Re: Large amount of CDs maturing....what to do?
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...
- Sat Jan 16, 2016 11:21 am
- Forum: Personal Investments
- Topic: Large amount of CDs maturing....what to do?
- Replies: 162
- Views: 25664
Re: Large amount of CDs maturing....what to do?
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.
- Sat Jan 16, 2016 11:09 am
- Forum: Personal Investments
- Topic: Large amount of CDs maturing....what to do?
- Replies: 162
- Views: 25664
Re: Large amount of CDs maturing....what to do?
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...
- Mon Nov 09, 2015 11:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Mango prepaid card - 4.8% (effective) APY
- Replies: 557
- Views: 380172
Re: Mango prepaid card - 4.8% (effective) APY
I've read about using joint accounts for transfers and I've thought that it is only for Mango.nanoanalyzer wrote:Per person, but be careful about using a joint account for transfers. More info on that in the fwf thread...
Is Netspend / Brinks having the same issue?
- Mon Nov 09, 2015 10:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Mango prepaid card - 4.8% (effective) APY
- Replies: 557
- Views: 380172
Re: Mango prepaid card - 4.8% (effective) APY
Is the limit per person or per household? Can myself and wife open 5 accounts each?nanoanalyzer wrote:Yes. Some folks have gotten away with 6. Luck of the draw, really.achen9291 wrote: The limit is still 5 accounts?
- Sat Nov 07, 2015 6:54 pm
- Forum: Personal Consumer Issues
- Topic: Best Use of Ultimate Rewards Points
- Replies: 109
- Views: 16395
Re: Best Use of Ultimate Rewards Points
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 ...
- Sat Nov 07, 2015 6:50 pm
- Forum: Personal Consumer Issues
- Topic: Best Use of Ultimate Rewards Points
- Replies: 109
- Views: 16395
Re: Best Use of Ultimate Rewards Points
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...
- Mon Aug 24, 2015 8:58 am
- Forum: Personal Investments
- Topic: What to do now with market crash?
- Replies: 59
- Views: 10772
Re: What to do now with market crash?
Vanguard is taking care of its clients by prohibiting them to do anything about it, since Vanguard website keeps crashing...
- Thu Jul 09, 2015 10:13 am
- Forum: Personal Consumer Issues
- Topic: Is it a good idea to travel to Western Europe with kids?
- Replies: 39
- Views: 4596
Re: Is it a good idea to travel to Western Europe with kids?
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...
- Wed Jul 08, 2015 1:53 pm
- Forum: Personal Consumer Issues
- Topic: Is it a good idea to travel to Western Europe with kids?
- Replies: 39
- Views: 4596
Re: Is it a good idea to travel to Western Europe with kids?
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...
- Wed Jul 08, 2015 1:24 pm
- Forum: Personal Consumer Issues
- Topic: Is it a good idea to travel to Western Europe with kids?
- Replies: 39
- Views: 4596
Re: Is it a good idea to travel to Western Europe with kids?
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...
- Wed Jul 08, 2015 1:13 pm
- Forum: Personal Consumer Issues
- Topic: Is it a good idea to travel to Western Europe with kids?
- Replies: 39
- Views: 4596
Re: Is it a good idea to travel to Western Europe with kids?
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)...
- Wed Jul 08, 2015 12:17 pm
- Forum: Personal Consumer Issues
- Topic: Is it a good idea to travel to Western Europe with kids?
- Replies: 39
- Views: 4596
Is it a good idea to travel to Western Europe with kids?
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...
- Thu May 29, 2014 10:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Would you work without pay?
- Replies: 63
- Views: 6007
Re: Would you work without pay?
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.
Many of us have done volunteering in the past and plan to do it in the future.
- Wed May 14, 2014 7:27 pm
- Forum: Investing - Theory, News & General
- Topic: Intermediate bond fund yields are getting ridiculous
- Replies: 20
- Views: 3083
Re: Intermediate bond fund yields are getting ridiculous
10 year brokerage CDs (FDIC insured) are 3+% and provide a good alternative.
- Mon Mar 03, 2014 2:04 pm
- Forum: Investing - Theory, News & General
- Topic: Timing Russian stocks right now
- Replies: 22
- Views: 1917
Re: Timing Russian stocks right now
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...
- Mon Mar 03, 2014 10:51 am
- Forum: Personal Investments
- Topic: Good Russian ETF
- Replies: 15
- Views: 2300
Re: Good Russian ETF
I wish I could sell all Russian holdings from my VWO investments, but I don't know how.
- Thu Jan 30, 2014 12:26 pm
- Forum: Investing - Theory, News & General
- Topic: New PenFed CD rates!
- Replies: 313
- Views: 63751
Re: New PenFed CD rates!
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.
CSR said that they are 7-days behind on processing IRA paperwork, but will honor Jan. rate for the paperwork received in Jan.
- Tue Dec 31, 2013 1:59 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Card Bonuses
- Replies: 67
- Views: 6698
Re: Credit Card Bonuses
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...
- Tue Dec 31, 2013 1:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Card Bonuses
- Replies: 67
- Views: 6698
Re: Credit Card Bonuses
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...
- Tue Dec 31, 2013 1:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Card Bonuses
- Replies: 67
- Views: 6698
Re: Credit Card Bonuses
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...
- Tue Dec 31, 2013 12:54 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Card Bonuses
- Replies: 67
- Views: 6698
Re: Credit Card Bonuses
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 ...
- Tue Dec 31, 2013 12:51 pm
- Forum: Personal Finance (Not Investing)
- Topic: Credit Card Bonuses
- Replies: 67
- Views: 6698
Re: Credit Card Bonuses
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...
- Mon Dec 23, 2013 3:20 pm
- Forum: Investing - Theory, News & General
- Topic: [Are there any] Billionaire Boglehead!!!
- Replies: 49
- Views: 5900
Re: Billionaire Boglehead!!!
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...
- Mon Dec 23, 2013 10:23 am
- Forum: Personal Consumer Issues
- Topic: Gas mileage quiz
- Replies: 57
- Views: 4503
Re: Gas mileage quiz
Correct answer is D, since the option of driving 0 miles / year every year is not excluded by the question.
- Fri Dec 13, 2013 9:49 pm
- Forum: Investing - Theory, News & General
- Topic: Porter Stansberry advising going to 100% cash - Help!
- Replies: 62
- Views: 15898
Re: Porter Stansberry advising going to 100% cash - Help!
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...
- Mon Dec 09, 2013 3:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Convert from Coverdell to 529: state deduction allowed?
- Replies: 5
- Views: 797
Re: Convert from Coverdell to 529: state deduction allowed?
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.
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.
- Fri Dec 06, 2013 7:24 pm
- Forum: Personal Consumer Issues
- Topic: Extreme Cheapskates
- Replies: 25
- Views: 4170
Re: Extreme Cheapskates
I am guessing that it is this Victoria: http://www.early-retirement.org/forums/ ... 61956.htmlVictoriaF wrote: I must point out that that Victoria is not me.
(different) Victoria
- Thu Dec 05, 2013 1:53 pm
- Forum: Personal Consumer Issues
- Topic: Permits for kitchen remodel
- Replies: 17
- Views: 2253
Re: Permits for kitchen remodel
I bet that all this info is State / County - specific.
- Mon Dec 02, 2013 12:13 pm
- Forum: Investing - Theory, News & General
- Topic: of bitcoins, money & Byzantium
- Replies: 78
- Views: 6981
Re: of bitcoins, money & Byzantium
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.
Of course, it will burst the moment that some players will decide to cash in.
- Tue Nov 19, 2013 1:38 pm
- Forum: Investing - Theory, News & General
- Topic: Bubble bitcoins... $300 -> $800 in 10 days
- Replies: 27
- Views: 2981
Re: Bubble bitcoins... $300 -> $800 in 10 days
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...
- Tue Nov 19, 2013 12:15 pm
- Forum: Personal Finance (Not Investing)
- Topic: Is a credit card annual fee worth it sometime?
- Replies: 21
- Views: 5437
Re: Is a credit card annual fee worth it sometime?
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...
- Fri Nov 15, 2013 2:59 pm
- Forum: Investing - Theory, News & General
- Topic: Shiller P/E 10 hits 25
- Replies: 331
- Views: 50885
Re: Shiller P/E 10 hits 25
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 ...
- Tue Oct 29, 2013 7:56 pm
- Forum: Investing - Theory, News & General
- Topic: Deleted
- Replies: 28
- Views: 4645
Re: I bonds: October or November?
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 ...
- Wed Oct 23, 2013 12:09 pm
- Forum: Personal Finance (Not Investing)
- Topic: can I afford X?
- Replies: 38
- Views: 2945
Re: can I afford X?
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.
Sometimes answering a slightly modified question or a series of related questions can lead to a better answer.
- Tue Oct 15, 2013 2:52 pm
- Forum: Investing - Theory, News & General
- Topic: Shiller PE10 too low now -- should be 29
- Replies: 8
- Views: 1454
Re: Shiller PE10 too low now -- should be 29
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.
http://www.hussmanfunds.com/wmc/wmc130923.htm
Of course, some people believe in this noise and think that this time is different.
- Tue Oct 15, 2013 10:22 am
- Forum: Investing - Theory, News & General
- Topic: Is AAPL reliving the past???
- Replies: 7
- Views: 1190
Is AAPL reliving the past???
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...
- Mon Oct 14, 2013 12:59 pm
- Forum: Personal Consumer Issues
- Topic: Living on $5,000 a year
- Replies: 28
- Views: 3994
Re: Living on $5,000 a year
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...
- Mon Oct 14, 2013 12:35 pm
- Forum: Personal Consumer Issues
- Topic: Can't seem to spend money on myself, guilty feelings
- Replies: 34
- Views: 4323
Re: Can't seem to spend money on myself, guilty feelings
"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...
- Mon Oct 14, 2013 12:05 pm
- Forum: Personal Consumer Issues
- Topic: Living on $5,000 a year
- Replies: 28
- Views: 3994
Re: Living on $5,000 a year
Does this number includes medical/dental insurance and car/bike/etc. amortization that has happened during that year?stoptothink wrote:I lived off ~$10k in '12 (final year of my PhD), $7200 of that was rent.
- Mon Oct 14, 2013 11:24 am
- Forum: Investing - Theory, News & General
- Topic: Government Shutdown/Default [effect on investments]
- Replies: 454
- Views: 38776
Re: Government Shutdown/Default [effect on investments]
Currently down by 0.2%... Truly scary drop.gerrym51 wrote:market will tank on monday.
- Thu Oct 10, 2013 8:47 am
- Forum: Investing - Theory, News & General
- Topic: Surprising GNMAs
- Replies: 26
- Views: 3166
Re: Surprising GNMAs
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.
- Thu Oct 10, 2013 8:41 am
- Forum: Personal Consumer Issues
- Topic: Programming Linux
- Replies: 23
- Views: 2889
Re: Programming Linux
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...
- Wed Oct 09, 2013 3:40 pm
- Forum: Investing - Theory, News & General
- Topic: What will happen to BND if US default?
- Replies: 19
- Views: 2436
Re: What will happen to BND if US default?
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...
- Wed Oct 09, 2013 2:17 pm
- Forum: Investing - Theory, News & General
- Topic: What influence does China have with US debt?
- Replies: 6
- Views: 774
Re: What influence does China have with US debt?
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
.
Selling debt cheap won't devalue $.
BTW, I will be more than happy to be on the other side of that trade

- Thu Oct 03, 2013 12:46 pm
- Forum: Personal Consumer Issues
- Topic: Shutdown is affecting my Grand Canyon trip! Backup plan??
- Replies: 35
- Views: 4345
Re: Shutdown is affecting my Grand Canyon trip! Backup plan?
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...
- Wed Oct 02, 2013 1:06 pm
- Forum: Personal Consumer Issues
- Topic: Shutdown is affecting my Grand Canyon trip! Backup plan??
- Replies: 35
- Views: 4345
Re: Shutdown is affecting my Grand Canyon trip! Backup plan?
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.
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.
- Wed Oct 02, 2013 12:40 pm
- Forum: Personal Investments
- Topic: Bond Be Gone
- Replies: 11
- Views: 2406
Re: Bond Be Gone
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...