Search found 613 matches

by SRenaeP
Mon Oct 16, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Is it possible to have a Traditional 401(k), Roth 401(k), Traditional IRA, and a Roth IRA account at the same time?
Replies: 23
Views: 1143

Re: Is it possible to have a Traditional 401(k), Roth 401(k), Traditional IRA, and a Roth IRA account at the same time?

A while ago I asked a question about Mega Backdoor Roth, and long story short I was told that I could open a Roth 401k account within my company, and contribute a maximum of 10% of my income to my 401(k) as after-tax contributions, then roll over the after-tax contributions to my Roth 401k along wi...
by SRenaeP
Fri Oct 13, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 36
Views: 1863

Re: Selling Tradelines

I wouldn't do it. I don't want a stranger with bad credit associated with my name, address or credit.

-Steph
by SRenaeP
Fri Oct 13, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

Does closing a credit card after 1 year impact my credit in a significant way? Am I better off keeping these reward cards open? My score is around 820, no debt other than mortgage If we're talking just one card, probably not. I'm a light churner (hit the 5/24 wall) and my score has dropped to the 7...
by SRenaeP
Thu Oct 12, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 51
Views: 3142

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Hi All, We're planning a 5-night stay at the Grand Hyatt in Kauai for my friends wedding in Sep 2018. Very excited!! For the HI folks...I have a couple of questions: 1. Re: the flight - we have enough Delta miles saved up to book C+ seats...have never flown anything but regular economy before on an...
by SRenaeP
Tue Oct 10, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Temporary Job Relocation
Replies: 8
Views: 748

Re: Temporary Job Relocation

As far as finances are concerned, I would also like the input from others here. I feel that I am in good shape but could always improve. I have been told that my employer would pay for my housing during this project (apartment rental). Two things I would like to get negotiated are my employer reimb...
by SRenaeP
Tue Sep 12, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card with large cash (or cash-equivalent) sign-up bonus
Replies: 25
Views: 2956

Re: Credit card with large cash (or cash-equivalent) sign-up bonus

The Citi Prestige currently has a 75K bonus on $7.5 spend. The points can be converted to statement credit at 1 cent per point. It does have a $450 annual fee. It also has a $250 airline credit you can "double dip" the first year, so potentially another $500 in cash back. If you don't spend on airl...
by SRenaeP
Tue Sep 12, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Tips on helping spouse feel that we are truly FI?
Replies: 18
Views: 1561

Re: Tips on helping spouse feel that we are truly FI?

What's your end goal here? To convince your wife she should quit her job? If she doesn't want to, why push? Like another poster suggested, if she's okay with continuing to work and you quit, just do that. DH is more conservative than I am about what it means to be FI. In addition, he doesn't mind wo...
by SRenaeP
Thu Aug 24, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

Thanks! We have (and will keep long term) a CSP already...so we get 2X on travel/dining and primary rental coverage. I've done the math and the jump to 3X for the CSR is not good for us long term. The higher AF plus the fee for an A/U (so we can transfer UR points to each others loyalty accounts - ...
by SRenaeP
Thu Aug 24, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

Thanks! We have (and will keep long term) a CSP already...so we get 2X on travel/dining and primary rental coverage. I've done the math and the jump to 3X for the CSR is not good for us long term. The higher AF plus the fee for an A/U (so we can transfer UR points to each others loyalty accounts - ...
by SRenaeP
Wed Aug 23, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

We're traveling in Dec and then to HI in Sep 2018 (to, from, plus an island hop) for sure...plus probably another flight mixed in there somewhere. Right now I'm eyeing cards that offer the GE or precheck credit because I'd like to nab that for all these flights coming up, and not eligible for the C...
by SRenaeP
Wed Aug 23, 2017 7:18 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7384

Re: School Redistricting - What should we do?

Option 5. Rent an apartment in a good school district. For example, a 1-bedroom apartment for $1,500/month, or $18k/year, will be cheaper than 2 x $25k = $50/year for a private school. School administrators already know about this trick (and the PO box). They can do a visit to the student's listed ...
by SRenaeP
Mon Aug 21, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: LLC + tax deductions
Replies: 5
Views: 517

Re: LLC + tax deductions

Hello wise sages, I plan to quit my full-time day job and get into consulting and contracting work. In preparation, I have opened an LLC to help me protect my personal finances. The next thing I need to do is to research deductions, depreciation, tax benefits etc. Is there any good (hopefully free)...
by SRenaeP
Fri Aug 18, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Want to give money to relative traveling int'l - options?
Replies: 19
Views: 1211

Re: Want to give money to relative traveling int'l - options?

I wasn't aware it was no longer sold. However, when I scroll down the page you linked - "Have you heard about our new prepaid card? We’ve now launched our Travelex Money Card! Read more about all the great benefits and get yours now." -Steph 5.5% foreign exchange fee. Ouch. The fee seems to only ap...
by SRenaeP
Fri Aug 18, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Want to give money to relative traveling int'l - options?
Replies: 19
Views: 1211

Re: Want to give money to relative traveling int'l - options?

A younger relative of mine is taking an extended international trip. DW & I want to give them several hundred dollars in spending money, but don't want to give it in cash due to the impracticality of traveling with cash. I started looking for prepaid Mastercard/Visa debit cards with low/no foreign ...
by SRenaeP
Fri Aug 18, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Want to give money to relative traveling int'l - options?
Replies: 19
Views: 1211

Re: Want to give money to relative traveling int'l - options?

A younger relative of mine is taking an extended international trip. DW & I want to give them several hundred dollars in spending money, but don't want to give it in cash due to the impracticality of traveling with cash. I started looking for prepaid Mastercard/Visa debit cards with low/no foreign ...
by SRenaeP
Thu Aug 17, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth IRA - what to do with gains?
Replies: 17
Views: 1917

Re: Mega Backdoor Roth IRA - what to do with gains?

I like kicking the tax can down the road. I would put it in your trad IRA then roll the trad IRA back into your pre-tax 401k. -steph I'm just trying to follow what you're saying: since the gains from your after tax contributions are "pre-tax" you say roll them into a tIRA then roll them back into t...
by SRenaeP
Wed Aug 16, 2017 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 59
Views: 9244

Re: Metro Atlanta Bogleheads Local Chapter

Is there anyone who is willing to take over as the coordinator for the Atlanta group? I recently started a new job which requires more business travel so life has gotten busy for me.

-Steph
by SRenaeP
Wed Aug 16, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything I need to know before investing in an HSA?
Replies: 4
Views: 427

Re: Is there anything I need to know before investing in an HSA?

My HSA had a relatively high flat monthly fee for having the investment account open. It made it so that it only made sense to invest with ~$6K+ in the HSA. There was no additional fee for only using the base account that provides checking account level interest. Your company's HSA provider might b...
by SRenaeP
Wed Aug 16, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything I need to know before investing in an HSA?
Replies: 4
Views: 427

Is there anything I need to know before investing in an HSA?

My employer recently announced that for next year, we will be switching to only HDHP options for health insurance. Accordingly, I will be eligible to contribute to an HSA now. DH and I currently max out our 401ks and backdoor Roth IRAs as well as contribute a small amount to a taxable account. Our o...
by SRenaeP
Wed Aug 09, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Mega Backdoor Roth IRA - what to do with gains?
Replies: 17
Views: 1917

Re: Mega Backdoor Roth IRA - what to do with gains?

I like kicking the tax can down the road. I would put it in your trad IRA then roll the trad IRA back into your pre-tax 401k.

-steph
by SRenaeP
Tue Aug 08, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 8122

Re: kids think lazy if retire?

I wasn't a teenager at the time but my mother retired early when she was 53. Older brother was already launched, I was in grad school and younger brother was in undergrad. I don't believe any of us thought she was being lazy. She had put in 30 years which seems long enough to me. If anything, it ins...
by SRenaeP
Fri Aug 04, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

How long do you have to wait before you can reapply and get the signup bonus again? I closed and reopened in a bit more than three months, am pretty sure I will get the bonus, but only will know for sure in a few months when I am finished with the minimum spend. Checking back in. Did receive the Ba...
by SRenaeP
Tue Aug 01, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Mobile phone SIM advice for multiple countries in Europe
Replies: 30
Views: 1687

Re: Mobile phone SIM advice for multiple countries in Europe

I just wanted to update this thread with my results on my current trip. I am using a FreedomPop Global SIM bought from Best Buy for $5. So far it has been great. I got service in the U.S., Dublin, Paris, Normandy, Brussels, Amsterdam, and London. It takes a few minutes to connect at first and somet...
by SRenaeP
Thu Jul 27, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: BMW Z3 or Z4 or nothing at all?
Replies: 79
Views: 5395

Re: BMW Z3 or Z4 or nothing at all?

I had a 2004 Z4 3.0 for 6 years. It was a complete blast to drive and was generally trouble free. This car was therapy for me to drive to/from work. Living in AZ, the top was down at least 1 way to/from the office for 9 months out of the year. My wife did not like it as it sat too low for her and s...
by SRenaeP
Wed Jul 12, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14886

Re: Anyone else gotten totally bored with investing?

I've gotten bored with my investing as well. So I went out and bought a rental property! I'm definitely not bored anymore but only time will tell if it's a good investment. Ha. :P I think the boredom was a combination of always needing some type of 'project' to occupy my time and the fact that count...
by SRenaeP
Wed Jul 12, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Please review my tax saving strategy
Replies: 17
Views: 1521

Re: Please review my tax saving strategy

I would choose B unless you also make significant cash donations each year. If so, donate appreciated shares and use the cash to pay for college.

-Steph
by SRenaeP
Thu Jul 06, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3859

Re: Delta Air - various classes of service

I frequently fly Delta but rarely check bags. That said, these days I would suspect the odds of your bag going missing have decreased. Delta (and you via their app) can track/monitor your bags. You can get a notification when it gets on the plane, off the plane, etc. In addition, they have a 'guara...
by SRenaeP
Thu Jul 06, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3859

Re: Delta Air - various classes of service

I frequently fly Delta but rarely check bags. That said, these days I would suspect the odds of your bag going missing have decreased. Delta (and you via their app) can track/monitor your bags. You can get a notification when it gets on the plane, off the plane, etc. In addition, they have a 'guara...
by SRenaeP
Wed Jul 05, 2017 2:55 pm
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3859

Re: Delta Air - various classes of service

Premium Economy on Delta amounts to 5-6" extra legroom (which is huge if you are 6'2" like me) and free alcohol when the drink cart comes by. It isn't as nice as first class but, personally, I don't think first class is better enough to be worth paying that much extra for on a 6 hour flight (for a ...
by SRenaeP
Wed Jul 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Delta Air - various classes of service
Replies: 59
Views: 3859

Re: Delta Air - various classes of service

I was flying quite a bit from Orlando to Memphis for work. The first couple of flight were AirTran, but then they got bought out by Southwest. The only real option remaining was Delta. Since Delta charges for checked bags, the overhead bins tend to fill up quickly. This leads to having bags checked...
by SRenaeP
Thu Jun 29, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 13697

Re: How did you handle the costs of your child's wedding?

Encourage her to become well-educated so she and her spouse won't expect you to pay for it? (My wife and I paid for our own wedding.) I fully agree. If a couple can't afford the wedding they want, I think they should either go for a cheaper wedding or hold off on getting married until they can affo...
by SRenaeP
Thu Jun 29, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 13697

Re: How did you handle the costs of your child's wedding?

Encourage her to become well-educated so she and her spouse won't expect you to pay for it? (My wife and I paid for our own wedding.) I fully agree. If a couple can't afford the wedding they want, I think they should either go for a cheaper wedding or hold off on getting married until they can affo...
by SRenaeP
Wed Jun 28, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Hilton Vacation Getaways
Replies: 11
Views: 1313

Re: Hilton Vacation Getaways

Call the fraud line of your credit card. They can reverse the charge and prevent any more charges. No need to cancel the card. This isn't fraud or a scam though. It's what the OP's wife agreed to. Where she went wrong was just 'ignoring' the original e-mail. I've done these deals in the past with b...
by SRenaeP
Sun Jun 25, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4988

Re: Google Fi? pros/cons? anyone using it?

I tried Google Fi for a while but didn't like it. I also don't like the Nexus 5x but am somewhat making myself pay penance by waiting to get another phone. Unless you frequently travel internationally to numerous countries, I don't think the international capabilities are worth the hassle. I went b...
by SRenaeP
Fri Jun 23, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 4988

Re: Google Fi? pros/cons? anyone using it?

I tried Google Fi for a while but didn't like it. I also don't like the Nexus 5x but am somewhat making myself pay penance by waiting to get another phone. Unless you frequently travel internationally to numerous countries, I don't think the international capabilities are worth the hassle. I went ba...
by SRenaeP
Mon Jun 12, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Good school in Mexico for Spanish?
Replies: 23
Views: 1961

Re: Good school in Mexico for Spanish?

Looking forward to retirement in a couple of years or maybe less, one thing I've long wanted to do is get better at Spanish. The purpose is to be better equipped for spending some time in Mexico and South America. Though high school was long ago, I took 2 years of Spanish there and can still conjug...
by SRenaeP
Wed Jun 07, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: How do I get monthly checks from my investments in retirement?
Replies: 15
Views: 2809

Re: How do I get monthly checks from my investments in retirement?

Are your funds in a taxable account or retirement account? If these investments are in a taxable account, you may be liable for Federal & state capital gains taxes should you transfer money to Vanguard. If your investments are in retirement accounts (IRAs, 401Ks, etc.), there would be no Federal or...
by SRenaeP
Mon Jun 05, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone had problems gifting Vanguard shares to an organization?
Replies: 33
Views: 2854

Re: Has anyone had problems gifting Vanguard shares to an organization?

I'm in the same boat. I'd like to donate appreciated Vanguard shares but don't want to fill out 30 pages of paperwork. I also don't want to pay 0.67% or more with the Fidelity Donor Advised account. There's a chance I'll be paying 0% LTCG on shares anyway, so I guess I'll just donate cash for now u...
by SRenaeP
Wed May 24, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

That said, I'm currently above 5/24 and already have a CSR which I plan to cancel by the end of the year before the next annual fee comes due. -Steph Steph, Before you cancel a CSR ensure that you have another Chase card to hold and transfer URs. Victoria I have a Chase Freedom that I will transfer...
by SRenaeP
Mon May 22, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

I'm looking for ideas on the next card to get. This time, I have a specific trip in mind. I'd like to go ATL-TYO; CTS-ATL in February. My preference would be nonstop ATL-TYO but I'm willing to connect if the layover is relatively short. I'm also willing to book an award ticket in coach then pay to ...
by SRenaeP
Mon May 22, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 52
Views: 4820

Re: Mexican Pacific Beaches

I hated hated hated Acapulco and vowed to never return. We were constantly harassed any time we weren't inside the hotel. Everyone, from store owners to timeshare hawkers to trinket sellers, was very aggressive trying to interest you in whatever they were offering. They would literally step into you...
by SRenaeP
Mon May 22, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

I'm looking for ideas on the next card to get. This time, I have a specific trip in mind. I'd like to go ATL-TYO; CTS-ATL in February. My preference would be nonstop ATL-TYO but I'm willing to connect if the layover is relatively short. I'm also willing to book an award ticket in coach then pay to ...
by SRenaeP
Mon May 22, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

I'm looking for ideas on the next card to get. This time, I have a specific trip in mind. I'd like to go ATL-TYO; CTS-ATL in February. My preference would be nonstop ATL-TYO but I'm willing to connect if the layover is relatively short. I'm also willing to book an award ticket in coach then pay to u...
by SRenaeP
Fri May 12, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Experiences/vacations - how much do people do
Replies: 24
Views: 2395

Re: Experiences/vacations - how much do people do

Vacations are so personal you really can't gage yours based on other people's. If you love traveling and can comfortably afford it, why stop? +1 Travel is my 'thing' so there wouldn't be a number of vacations that's too much for me. Though I will admit I like to have my trips spaced out a bit. Part...
by SRenaeP
Thu May 11, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Progress Made - What Now? (Pay off cheap mtg or invest)
Replies: 31
Views: 3897

Re: Progress Made - What Now? (Pay off cheap mtg or invest)

I didn't bother to re-read the whole thread, only the updates. That said, even though it's a low interest rate, I would pay off the car loan just to be done with it. I would also look into refi'ing the 5.125% rental mortgage. Debt above ~4% just irks me. I would probably split the excess monthly cas...
by SRenaeP
Wed May 10, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Travel tips for first time visitors to England and France?
Replies: 55
Views: 5058

Re: Travel tips for first time visitors to England and France?

If you plan to plug in any personal electrical devices be sure you have the requisite adapters . Even electronics that can take 120 or 240 volts needs a plug that fits the sockets. They are far from universal and I've seen baffled USians. Don't be one of them. On that note, advise your wife not to ...
by SRenaeP
Tue May 09, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 6295

Re: What newspaper or magazine do you pay for?

I no longer subscribe to any periodicals. I've found that my local library offers a decent selection online for 'free' (meaning no out of pocket of cost, but obviously the library is funded through tax dollars). I don't necessarily read each issue but they have Newsweek, O Magazine, Kiplingers, Smit...
by SRenaeP
Wed Apr 26, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Porsche Lease
Replies: 56
Views: 4988

Re: Porsche Lease

Is there a luxury car subscription service in your area? It might be cheaper than a lease as well as give you the chance to 'try before you buy.'

This is one in my area - http://www.driveclutch.com/pricing

-Steph
by SRenaeP
Thu Apr 20, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2266
Views: 394118

Re: What's Your Credit Card Rewards Strategy?

Ohhhhhhh, exciting news, rumor of a new card from US Bank: m Cliff notes: From US Bank, annual fee $400 $325 annual travel credits, so really a $75 card if you use the travel credits 3x on mobile payments (NFC transactions) 3x on travel 1x on everything else 50,000 points for $4500 in 3 months (no ...
by SRenaeP
Thu Apr 20, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: When does it make sense to start paying down (or off) a low rate mortgage?
Replies: 53
Views: 5925

Re: When does it make sense to start paying down (or off) a low rate mortgage?

For me, the answer is -

after maxing out all tax-advantaged space,
no other debt,
only pay enough extra to hit a target date vs put all extra money to the mortgage.

I would set the target as 15 yrs after home purchase or 5 yrs before planned retirement date, whichever is sooner.

-Steph