Search found 220 matches

by BackOfTheNet
Tue Apr 14, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: T-Mobile Connect - $15/mo 2GB
Replies: 27
Views: 2548

Re: T-Mobile Connect - $15/mo 2GB

ATT prepaid has a unlimited talk/text with 8gb high speed data (and data rollover) for $300 per year ($25 per month) when you prepay.
by BackOfTheNet
Thu Apr 09, 2020 8:03 am
Forum: Personal Finance (Not Investing)
Topic: NYT hit piece on Donor Advised Funds
Replies: 67
Views: 2756

Re: NYT hit piece on Donor Advised Funds

The article makes a big deal about donating stock "when the price is high" and that the stock could tank after. Seems silly because the stock could also GO UP and charities will end up getting more . For example, for my meager DAF and the share price of "Total Market Index" the last few years, grant...
by BackOfTheNet
Tue Mar 24, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Can I Book Plane Tix with Points And Cancel Card Before Flying?
Replies: 8
Views: 647

Re: Can I Book Plane Tix with Points And Cancel Card Before Flying?

Are these Ultimate Rewards? You may know this but another option is to transfer them to a partner for a potentially higher value. For example, 65,000 united miles points gets you a one-way business class ticket to Europe, arguably worth more than $800.
by BackOfTheNet
Tue Mar 10, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Cruise Cancellation
Replies: 62
Views: 6202

Re: Cruise Cancellation

IF it is 100% refund coverage, then they'd be getting back $7,559 "to pay for" a future cruise credit of the exact same amount. That insurance policy cost is gone, no matter what. It was already paid. "Sunk Cost" RM Ah you are right, I read the OP's post too literally. Doh! Take the money for sure ...
by BackOfTheNet
Tue Mar 10, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Cruise Cancellation
Replies: 62
Views: 6202

Re: Cruise Cancellation

However they will hold our $7759.00 for a future booking. Or we could utilize our trip insurance and get our money back minus the 520.00 for the trip insurance. Would you pay $7,239 cash for $7,559 of future cruise credit? IMO, too many unknowns. If you do decide to cancel, getting the cash refund ...
by BackOfTheNet
Wed Mar 04, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Refi - walk me through this pls
Replies: 34
Views: 2412

Re: Refi - walk me through this pls

If you are fine on cashflow does it not just come down to interest paid? Right now: .0375 x $420,000 = ~ $15,570 year one cost Refi 15 year: .0250 x $420,000 = ~ $10,500 year one cost Refi 30 year: .030 x $420,000 = ~ $12,600 year one cost Obviously as the loan balance goes down the numbers change.
by BackOfTheNet
Wed Feb 26, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Car recall can't drive over 3 months-WWYD?? FORD
Replies: 22
Views: 2256

Re: Car recall can't drive over 3 months-WWYD?? FORD

Just an update I have tried to get a loaner car both through calling Ford customer service and speaking with the GM at our local dealership and they are both refusing to help. Ford just said to drive the car. The dealership said they need a case number from Ford giving us a loaner, and Ford will no...
by BackOfTheNet
Mon Feb 24, 2020 10:18 am
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 155
Views: 14993

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

Momus wrote:
Mon Feb 24, 2020 8:53 am
800 points down! GUH!
A WSB reference?
by BackOfTheNet
Mon Feb 24, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18810
Views: 2629700

Re: U.S. stocks in free fall

Can't even log into Fidelity, probably for the best.
by BackOfTheNet
Wed Feb 19, 2020 12:10 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 217
Views: 15419

Re: 2020 Hedge Fund contest

Can I close out TSLA? As of this post, up 77%. Who knows though, by the end of the trading day it might be 177%!
by BackOfTheNet
Mon Feb 10, 2020 4:13 pm
Forum: Personal Investments
Topic: getting away from raymond james
Replies: 8
Views: 808

Re: getting away from raymond james

I recently transferred from Vanguard to Fidelity and it was shockingly easy.
by BackOfTheNet
Wed Feb 05, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16098

Re: Tesla Stock

For those that don't Reddit....

https://i.imgur.com/fh5QLBq.png

This person is supposedly still holding...
by BackOfTheNet
Mon Jan 13, 2020 11:44 am
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 217
Views: 15419

Re: 2020 Hedge Fund contest

Stonks only go up

Long
TSLA
AAPL
DIS

Short
GME
BOX
CROX
by BackOfTheNet
Mon Jan 06, 2020 11:17 am
Forum: Investing - Theory, News & General
Topic: Does Windows 7 void your Vanguard fraud reimbursement?
Replies: 69
Views: 5035

Re: Does Windows 7 void your Vanguard fraud reimbursement?

Update to a new Windows 10 laptop with an i7 or i5 processor and SSD. Your mind will be blown that you waited so long. 10 years = 30-40 years of technology updates. It is time. Costco has an HP 14 inch laptop right now for $299 that comes with pretty decent specs. Core i5-1035G4 , 128GB SSD , 4GB r...
by BackOfTheNet
Thu Nov 21, 2019 10:42 am
Forum: Personal Investments
Topic: Gov Pension -- Keep or Cash Out
Replies: 22
Views: 2001

Re: Gov Pension -- Keep or Cash Out

My understanding is that when you cash out you don't get the government contributions to your pension, only your own. I'm a fed that makes about the same as you and my last biweekly contribution to FERS was $32, the government share was $653. Seems like a bad deal to give back the (very roughly) $65...
by BackOfTheNet
Wed Oct 16, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Are there HSA matches for Federal employees?
Replies: 39
Views: 3381

Re: Are there HSA matches for Federal employees?

I have the GEHA family plan and it is a really good deal for us: Annual cost: $3,770 - tax savings $829 - passthrough $1,500 - basic dental ~$500 - basic vision ~$250 -------------------------------- Final cost is around $1,500 per year. Plus the opportunity to add money to hit the HSA max every year.
by BackOfTheNet
Wed Oct 02, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: Suggestions for good leather shoe?
Replies: 43
Views: 4840

Re: Suggestions for good leather shoe?

If you want to get really crazy you can get Allen Edmonds "3rds" on eBay for dirt cheap. Check out the seller "dabondo1". That seller has an agreement with AE and sells rejects at a deep discount. The nice thing is that you can see pictures of the actual shoe you will be buying and can determine if ...
by BackOfTheNet
Mon Sep 23, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 5753

Re: What Benefits to Expect for new Fed employee?

As far as health insurance goes, the GEHA high deductible plan with HSA can be a pretty good deal.

Also, you might be eligible for a flexible spending account (dependent care or health).
by BackOfTheNet
Tue Sep 03, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: What's the most secure way to encrypt a PDF?
Replies: 9
Views: 659

Re: What's the most secure way to encrypt a PDF?

I find it pretty funny when banks "encrypt" files with the last 4 digits of a SSN. Like, there are only 9999 possibilities .... :oops:
by BackOfTheNet
Tue Sep 03, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: How to import children’s winter coats?
Replies: 10
Views: 1489

Re: How to import children’s winter coats?

What's a "good price"? Costco currently has a kids puffer jacket for $27.
by BackOfTheNet
Mon Aug 19, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: How are you finding "no cost" refis?
Replies: 20
Views: 2616

Re: How are you finding "no cost" refis?

We never had a no-cost refi. My guess is that people call it that when they roll the closing costs into the new loan. I will warn you that you might not find a rate lower than what you currently have for your 30 in a no cost 15. It's certainly worth looking into, but I would not expect anything in ...
by BackOfTheNet
Mon Aug 12, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 7692

Re: Are you refinancing now?

AZAttorney11 wrote:
Mon Aug 12, 2019 2:13 pm
BackOfTheNet wrote:
Mon Aug 12, 2019 2:05 pm
Locked a 15 year fixed about a week ago. 3.25% with a $4,860 lender credit. Should cover all costs plus a bit towards prepaid items.
Solid. Mind sharing who the lender is?
LOFI direct. They seem fairly responsive so far but I've not closed yet.
by BackOfTheNet
Mon Aug 12, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 7692

Re: Are you refinancing now?

Why do people refi to a 30 year? Is it to get lower payments? Cash out? Reduce current mortgage % and lower payments? Or are they in ARMs that are about to jump? I don't understand the point. I am looking to cut my 23 years remaining on a 30 year conventional to 15 years if it's not a huge jump in ...
by BackOfTheNet
Mon Aug 12, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are you refinancing now?
Replies: 73
Views: 7692

Re: Are you refinancing now?

Locked a 15 year fixed about a week ago. 3.25% with a $4,860 lender credit. Should cover all costs plus a bit towards prepaid items.
by BackOfTheNet
Tue Jun 18, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1002
Views: 103912

Re: Why are you NOT buying rental properties?

This thread in meme form.

Image
by BackOfTheNet
Fri Jun 14, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: New Federal employee ... Choosing Healthcare
Replies: 19
Views: 1637

Re: New Federal employee ... Choosing Healthcare

I think GEHA HDHP is a great deal. These are some rough numbers I used when thinking about which plan for my family. $3,770 Annual premium cost for family (This is pre tax with premium conversion) -$829 tax savings on premiums (22% tax bracket) -$1,500 Credit to HSA == ~$1450 annual cost Plus you ge...
by BackOfTheNet
Mon Jun 03, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: Basic HSA question
Replies: 6
Views: 733

Re: Basic HSA question

I think it depends on what type of coverage you have. I do something similar to get the family contribution limit.

Me. Covered by HDHP only, through my employer.

Spouse + kids: Primary is PPO through Spouse's employer. Secondary is HDHP.

I contribute up to the family limit to my HSA.
by BackOfTheNet
Thu May 30, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 8137

Re: $3k for teen club soccer

I had a great time in high school playing a less popular sport (water polo). No experience needed to join the team and had a very positive impact on my life. My kids have tried a few sports very casually (soccer, tee ball, hockey) but I would love if for high school they picked a sport where they co...
by BackOfTheNet
Wed May 22, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 7204

Re: Best small AWD to 'drive into the ground'

What about a used Suzuki SX4? They are dirt cheap, reliable (only USA Suzuki made in Japan, other Suzukis are re-badged Daeweoos), and can be had with lockable 4wd.

https://www.youtube.com/watch?v=HKpDIqE4WAc
by BackOfTheNet
Mon May 06, 2019 1:42 pm
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 6694

Re: Fun-ish Used Boglehead Car

Fiesta ST
by BackOfTheNet
Tue Apr 30, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 70
Views: 7064

Re: save on interest by paying down mortgage principal

triggerfish10 wrote:
Sun Apr 28, 2019 7:17 pm
To me that looks like an 80% return on my money, but it can’t be that straight forward, can it? Am I looking at this correctly?
What if you bought a 30 year CD instead? A $10,000 CD at 2.00% would be worth $18,113 after 30 years. Would you count that as an 80% return on your money?
by BackOfTheNet
Wed Apr 10, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Are Airport Lounges Worth the Money?
Replies: 95
Views: 9141

Re: Are Airport Lounges Worth the Money?

The credit cards may have hefty annual fees but they can still be worthwhile. For example, the Chase Sapphire reserve has a $450 annual fee. BUT it comes with a annual $300 travel credit (and other benefits).
by BackOfTheNet
Wed Mar 27, 2019 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: I suspect I may have equity in my car lease. Help?
Replies: 31
Views: 2259

Re: I suspect I may have equity in my car lease. Help?

I have heard of people selling a lease to both of these:

vroom.com

carvana.com

Supposedly it is pretty straightforward, they give quotes online.
by BackOfTheNet
Thu Mar 07, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Tech Support needed - moving Google Drive contents to New computer
Replies: 9
Views: 1091

Re: Tech Support needed - moving Google Drive contents to New computer

A 128 GB flash drive can be had for about $20. Something like this:

https://www.amazon.com/SanDisk-Cruzer-G ... 007YX9OGW/

Absolute fastest way would be to copy to this and skip downloading from the cloud.
by BackOfTheNet
Tue Feb 12, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 36623

Re: [2018 tax return - How does it compare to previous years?]

2018:
Income: $171k
Fed Tax: $23k
Rate: ~13.5%

2019:
Income: $185k
Fed tax: $23k
Rate: ~12.5%

Made a little bit more money but owe about the same. Main difference is $4k in child tax credits that we previously did not qualify for.
by BackOfTheNet
Sun Jan 06, 2019 8:46 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 250
Views: 26429

Re: 2019 Hedge Fund Contest

The Big Apple

Long

AAPL
AAPL
NFLX

Short
TSLA
by BackOfTheNet
Wed Jan 02, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Need An Online Phone Number
Replies: 19
Views: 1209

Re: Need An Online Phone Number

neilpilot wrote:
Wed Jan 02, 2019 12:58 pm
Google voice
Seconded.
by BackOfTheNet
Tue Jan 01, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 250
Views: 26429

2019 Hedge Fund Contest

[Current standings are here: Current standings - 2019 hedge fund contest --admin LadyGeek] Again, I meant to get this up earlier, but this is the thread for the 2019 hedge fund contest. You can find the previous year's contest (2018) here: viewtopic.php?f=10&t=236514 Pick a fancy name for your hedg...
by BackOfTheNet
Mon Dec 03, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: GEHA HSA investment thru Fidelity
Replies: 6
Views: 1074

Re: GEHA HSA investment thru Fidelity

Directly from HSAbank it looks like there are two options, TD Ameritrade and DEVENIR. Not sure if you could transfer from one of those to Fidelity though.
by BackOfTheNet
Wed Nov 28, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 101
Views: 7741

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

I took advantage of the Project Fi (now Google Fi apparently) Black Friday deal for a Pixel 3 ($200 off the phone, and $200 Project Fi credit). Now I'm seeing this better deal. I get why they're doing this to create some buzz for the rebranding to Google Fi. But come on Google, not fair! Saw this o...
by BackOfTheNet
Thu Nov 01, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 5114

Re: Am I Risking My Life to Sell My Car?

TSR wrote:
Thu Nov 01, 2018 3:37 pm
If it were me I would drive to CarMax and tell them about the tire.
Agree with this, honesty is best. I'd say there is a good chance they say "Thanks, for the heads up" and send you on your way with the full $2,500.
by BackOfTheNet
Wed Oct 17, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Too good to be true; what am I missing?
Replies: 19
Views: 5013

Re: Too good to be true; what am I missing?

One time 5k payment against mortgage saves little over 5K in interest over the period of loan And over this same time you will pay interest to M1 at 4% to borrow the money. Yes, crowd sourcing to look for errors in the math :happy The error in the math is that you are borrowing money at 4% to pay b...
by BackOfTheNet
Tue Sep 25, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Comparing Fed vs. Contracting Job Compensation
Replies: 11
Views: 700

Re: Comparing Fed vs. Contracting Job Compensation

There are lots of rules and special situations with a FERS retirement but big picture is you are eligible at 5 years. https://www.opm.gov/retirement-services/fers-information/eligibility/ Again, big picture, It's 1% of your salary times the number of years of service. https://www.opm.gov/retirement-...
by BackOfTheNet
Tue Sep 25, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Comparing Fed vs. Contracting Job Compensation
Replies: 11
Views: 700

Re: Comparing Fed vs. Contracting Job Compensation

One data-point for you. I'm a GS-13 and make ~$101,000. Every year we get a benefits statement that that shows our total comp that includes retirement, health care , etc. My number last year was $134,000.

Edit. Also, 160 hours of annual leave and 104 hours of sick leave.
by BackOfTheNet
Fri Sep 14, 2018 12:10 pm
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 13623

Re: How real is cyber risk?

You can buy a physical key if you want additional protection on your Vanguard (or google) account: Something like this: https://www.yubico.com/product/yubikey-neo/ https://investor.vanguard.com/security/security-keys Once configured, someone would need to steal the key to gain access to your Vanguar...
by BackOfTheNet
Wed Aug 01, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2945

Re: Durable Dress Shoes for Commute

shoebank.com has been a life saver for me. High quality Allen Edmonds Factory seconds (I have 4-5 pairs and have not once been able to see or notice any type of blemish). Outstanding value. A few pairs I've had for 7-8 years. The next rung down on the Allen Edmonds totem pole is to get "3rds" on eB...
by BackOfTheNet
Mon Jul 30, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2850

Re: Should I buy new Nissan Leaf?

I'd buy one for $13k for sure.
by BackOfTheNet
Mon Jul 02, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 24585

Re: What are your property taxes?

North Alabama.

Property taxes are ~$2,800 on $550,000. If we were in the county it would be about half that.

We get what we pay for though, services are not great.
by BackOfTheNet
Tue Jun 19, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: [Flawed?] Paying off mortgage in 5 years
Replies: 39
Views: 4303

Re: Using HELOC to pay off mortgage in 7 years?

I think your mortgage being amortized is what makes the difference. Even if your HELOC rate is higher than your mortgage, your principle is being reduced way faster and the amount you borrowed from HELOC is getting paid back faster. Beating a dead horse at this point but ... what? So you are claimi...