Search found 1756 matches

by BW1985
Fri Aug 09, 2019 10:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740262

Re: What's Your Credit Card Rewards Strategy?

I don't consider transfers from Marriott to United to be a great value (these kinds of transfers almost never are), but if you're just doing a small transfer to "top off" for an award, it's ok. Marriott Bonvoy has its issues, but I've found some very good uses of their points. Marriott hasn't gone ...
by BW1985
Thu Aug 08, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 116
Views: 19992

Re: good cash reward credit card

How long is your credit history? Some banks require more than others.
by BW1985
Thu Aug 08, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740262

Re: What's Your Credit Card Rewards Strategy?

I'm curious about the best methods to use rewards points once earned - i.e., what are some of the best values? As background, we have about 600k Chase reward points, and I'd like to use them for a multi-week vacation sometime in the next couple years. Are they best used through the Chase portal? On...
by BW1985
Thu Aug 08, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740262

Re: What's Your Credit Card Rewards Strategy?

The Avianca card isn't terrible but I wouldn't put it anywhere near the top of the list. It's more of an offer for people who've already blown past 5/24 and have gotten all the other cards. They also seem to be in trouble cash wise so who knows about their long term outlook. I wouldn't get it unless...
by BW1985
Wed Jul 10, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6007

Re: Employers asking salaries

+1 Yep. Never answer that question, use a workaround. I've had success just saying "I'm open to a fair offer" when asked about salary requirements. If pushed for current salary I say I have a NDA with my employer and am not at liberty to share the information. If the company is stubborn and won't m...
by BW1985
Wed Jul 10, 2019 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6007

Re: Employers asking salaries

I don't agree with this so I won't be doing it. The problem is you don't know what their number is, if you knew then I'd agree. Here's the problem: let's say their number is $100k your current salary is $80k your number is $90k So following your method above you just lost out on $10k since the comp...
by BW1985
Tue Jul 09, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6007

Re: Employers asking salaries

Years ago, at a job interview, I was asked what other job offers I had received. I truthfully answered $31,000. I was immediately offered $32,000. In retrospect, providing a truthful answer to that question was dumb, because the only purpose was to use it against me and get me to work for them for ...
by BW1985
Thu Jul 04, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6007

Re: Employers asking salaries

Years ago, at a job interview, I was asked what other job offers I had received. I truthfully answered $31,000. I was immediately offered $32,000. In retrospect, providing a truthful answer to that question was dumb, because the only purpose was to use it against me and get me to work for them for ...
by BW1985
Thu Jul 04, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Lengthy notices from all our credit cards?
Replies: 16
Views: 1844

Re: Lengthy notices from all our credit cards?

While we carry no continuing balances now on any of our credit cards, we have several (some mine, some my wife's and some joint). We seem to be getting a multi page, fine print notice of changes from all of our cards. These notices do not seem to highlight the changes - so it would be a big effort ...
by BW1985
Mon Feb 18, 2019 11:16 am
Forum: Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 31
Views: 3598

Re: Transfer VTSAX & VTIAX to Chase You Invest?

Do you still hold VMSXX in your 'You Invest' account? I search it but it doesn't come up. Looks like it's no longer available. Yes, I do. It is still available with the other vanguard money market funds. Just go to investments -> trade -> mutual funds (not stocks & etfs) and type VMSXX and it shoul...
by BW1985
Mon Feb 18, 2019 10:33 am
Forum: Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 31
Views: 3598

Re: Transfer VTSAX & VTIAX to Chase You Invest?

I have VMSXX (vanguard municipal money market fund) in You Invest for the only purpose of keeping the minimum balance for Chase Sapphire Banking. So it's definitely doable. The list of funds you can invest in are listed in https://www.chase.com/content/dam/chase-ux/documents/personal/investments/jp...
by BW1985
Tue Nov 20, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

Wellesley has been flat for the year (slight decline actually), much like the TSM is likely to be after today. Yes, you're likely to reduce volatility, but you're also likely to reduce upside potential. But that's why it's called personal finance. I hope it works out well for you. If a 10% decline ...
by BW1985
Tue Nov 20, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

Well, I pumped a good chunk into VTSAX that I had sitting in a money market procrastinating with.
by BW1985
Tue Nov 20, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

I have a confession to make: During a brief upward blip yesterday, I bailed. I just couldn't handle it anymore. Sold all the VBR and VSS in my 401k and sunk it all into Wellesley Income Fund. Ever since I started this investing stuff back in April, I had the feeling I'd wind up mostly in Wellesley....
by BW1985
Sat Nov 10, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3910

Re: International Travel during Maternity/Paternity

Man, that's an outstanding amount of paid time off. Is that including your vacation time or do you both just get that time off post-child birth? Would you mind sharing what kind of work you both do? We only get 2 weeks off and then my wife has to take 4 weeks short term disability, even then that's ...
by BW1985
Wed Nov 07, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 55
Views: 4684

Re: Buy house without agent

Sorry doing this from phone. There's a house wife and I like, it's new construction. The builder let us go there and told us where the key was hidden. We like the place. We found it via open house. My question, we've sorta have been working with an agent off and on but in the other hand we haven't ...
by BW1985
Tue Nov 06, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 51
Views: 4064

Re: Paper or Paperless? How and what financial records do you keep?

I just keep tax returns and medical bills for HSA. It's somewhere in my house I know that.
by BW1985
Sat Oct 27, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

There are two components to my trend following strategy concerning whether to be in or out of stocks. For me to move out of stocks, the unemployment rate must be above its 12 month moving average and stocks must be trading below their 7 month moving average (measured at the end of the month). The U...
by BW1985
Fri Oct 26, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8859

Re: What's everyone currently in?

VTSAX
VTIAX
VMMXX
by BW1985
Fri Oct 26, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4715

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price. I guess it's all right when an adult buys one with their own funds, but my son tells me that at Yale, students wearing Ca...
by BW1985
Fri Oct 26, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4715

Re: Canada Goose Jacket

Love mine. Before buying it, I didn’t know I could be so warm in the winter. Watch out for PETA people giving you grief about it, though. In NYC, I’ve had a few of them come up to me about it over the years. Can you elaborate, I didn't know wearing down jackets is bad for the animals? Where do you ...
by BW1985
Fri Oct 26, 2018 11:15 am
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 147
Views: 17686

Re: Total Bond Market Fund - interest rates rising!

“Better” is a hard term to define, at times A CD in taxable versus Total Bond in deferred might well be worse in the end. While CDs are guaranteed by the FDIC, they often come with a surrender charge if you need the money before the term is up. Bond funds can be sold quickly. A CD at a bank require...
by BW1985
Fri Oct 26, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

willthrill81 wrote:
Thu Oct 25, 2018 1:22 pm

But I don't rely only on the UER. I also use the 7 month moving average, and don't trade unless both indicators 'tell me' to move out of stocks.
I wish I could 'subscribe' to see all your posts. I find myself always looking for them even while skimming others.
by BW1985
Thu Oct 25, 2018 10:47 am
Forum: Personal Investments
Topic: For those waiting for a 'correction' ...
Replies: 109
Views: 1236517

Re: For those waiting for a 'correction' ...

Ron Scott wrote:
Thu Oct 25, 2018 7:02 am
US markets are flat for the year and international has behaved as usual. Where’s the correction?
-10% is as usual?
by BW1985
Thu Oct 25, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 113291

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

MotoTrojan wrote:
Tue Aug 14, 2018 9:10 am
I’m still just blown away that nobody else liked Dominos pizza like I did in the last decade and went 100%. I turned my $20M into a couple billion bucks and we are arguing about $700K?!? That’s less than I spend on thin crust per year now.
Wow, just looked at their chart. I had no idea!
by BW1985
Wed Oct 24, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740262

Re: What's Your Credit Card Rewards Strategy?

I’ll also put my 2 cents worth on the prior answer (some will say < 2 cents). Yes someone can ask to upgrade back to CSR. Whether they will allow it is another matter. Frequent upgrading / downgrading / card churning (any combination) can result in your account being flagged either for special revi...
by BW1985
Wed Oct 24, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

DanMahowny wrote:
Wed Oct 24, 2018 2:07 pm
I'm out until DOW drops to 16,000.

Short-term treasuries are the place to be.
Mmm that may not ever come..
by BW1985
Fri Oct 05, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3997
Views: 740262

Re: What's Your Credit Card Rewards Strategy?

Need help from the Chase UR experts. Currently have about 200k UR points. My Sapphire Preferred Card $95 annual fee is due in January. Not eligible for new UR bonus because I downgraded from Sapphire Reserve which I received 100k when it first released in Fall of 2016. Not interested in any of the ...
by BW1985
Thu Jul 26, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

I also have a fireplace tile hearth that the floor runs up to. If it cut around it and leave the proper space I don't know how to trim around that to cover the gap. I can't nail it in or use wood glue. Any ideas? Well the proper way is to do it is to undercut the hearthstone with an angle grinder a...
by BW1985
Mon Jul 23, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

Workaround idea: dehumidifier. Other idea: if any junctions between boards are buckling up slightly, that could be your clue as to where it is the tightest; ie which wall(s) are providing more sideways pressure against the floor covering. Tapping with your fingernail and listening for the pitch of ...
by BW1985
Mon Jul 23, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

I also have a fireplace tile hearth that the floor runs up to. If it cut around it and leave the proper space I don't know how to trim around that to cover the gap. I can't nail it in or use wood glue. Any ideas? Well the proper way is to do it is to undercut the hearthstone with an angle grinder a...
by BW1985
Mon Jul 23, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

The fit will definitely change with the weather, and you should trim the spots where there is no gap. I'm not sure what to suggest for trimming along any toe-kick spaces. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up the ...
by BW1985
Fri Jul 20, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

AlphaPilot wrote:
Thu Jul 19, 2018 2:41 pm
Order a 10 pack of the medium to large tooth blades on amazon for ~2.50 a blade. You will go through a blade every 4 or 5 feet.
I thought for laminate you want fine tooth blades? That's what I used on my miter saw when installing.
by BW1985
Thu Jul 19, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

Having laid down these floors myself, I'm guessing that you've got a bineup or area without the proper spacing for expansion, as that stuff can expansion considerably depending on humidity. I recall opening the boxes 48 hours before, to let them conform to the environment. Check around the edges fo...
by BW1985
Thu Jul 19, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

You don't set the depth, and you do not want to cut straight down (perpendicular) or the blade will choke on the laminate and wood material. Cut at a 30 to 45 degree angle. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up th...
by BW1985
Thu Jul 19, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

Can you just pull up the area that needs trimming, trim, and re-install? No need to pull up the entire first floor is there? I have to think it would actually be the fastest and right way of doing it. I can't imagine trying to trim it back using oscillating or dremel like tool. That would frustrate...
by BW1985
Thu Jul 19, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

You don't set the depth, and you do not want to cut straight down (perpendicular) or the blade will choke on the laminate and wood material. Cut at a 30 to 45 degree angle. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up th...
by BW1985
Thu Jul 19, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Re: Laminate Floor making 'popping' noise

Maybe an oscillating tool would let you trim the edges while its still in place? It will be hard to get super clean edges with this, I'm not sure if it would be under trim. Yes my plan is to add shoe molding over these areas like it should have been from the start, so clean edges aren't needed. Can...
by BW1985
Thu Jul 19, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4037

Laminate Floor making 'popping' noise

Hello all, Roughly two years ago I DIY installed Traffic Master click-lock laminate flooring on my whole first floor using a foam underlayment with vapor barrier over the concrete slab. I removed the baseboards but in an effort to not have to use shoe molding around the cabinets and in front of the ...
by BW1985
Thu Jul 19, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 106
Views: 17414

Re: I ran out of credit card signups bonus...

Of course not...besides...what does your tax return have anything to do with qualifying for a credit card? Perhaps quite a bit. Isn't the REAL answer to "do I have a business?" whether or not you file some sort of business tax return...the simplest being a Schedule C? Why do the credit card compani...
by BW1985
Sun Apr 29, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Kitchen Faucet & Sink recommendations?
Replies: 55
Views: 7312

Re: Kitchen Faucet & Sink recommendations?

Updating our kitchen and wondering if anyone has recommendations for good quality/value brands or styles. Vigo has a stainless steel set for under $350 at HD (VG15079) but they seem to have some quality issues with the faucets leaking and low water pressure so I'm not sure it's worth the roll of th...
by BW1985
Fri Mar 23, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11661
Views: 2008539

Re: U.S. stocks in freefall

Interestingly enough the S+P 500 is now lower than it was Nov 7, 2017, election day. So much for the "Trump Rally". Ummmm..election day was *2016*...and the markets are up "YUGELY" since, even with the recent meltdown. Whoopsy - Of course. But hey, if you buy now you're guaranteed to beat the S&P t...
by BW1985
Sat Feb 24, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 155
Views: 18507

Re: What's your cash position

85% equities
15% cash
by BW1985
Sat Jan 27, 2018 6:17 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 27677

Re: 401k millionaires

I wonder what percentage of people with access to a 401k are maxing it out though? It's got to be low single digits. The median household income in the US is ~$55k. As a family income there is no way most people can max out a 401k. Mr. Money Mustache, Justin from Root of Good, the 'Frugalwoods' fam...
by BW1985
Sat Jan 27, 2018 6:08 am
Forum: Personal Investments
Topic: Cash heavy portfolio
Replies: 28
Views: 3617

Re: Cash heavy portfolio

You have a net worth of $4mm and only $40k in expenses, you're going to be fine whatever happens to the market because you don't need to take a lot of risk.

Suggest to look at the VG Wellesley Income fund.
by BW1985
Mon Jan 22, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 3846

Re: Home Humidifier input please

Is this a solid choice? I can’t tell if its steam or not.

https://www.amazon.com/Aprilaire-Whole- ... 6682396325
by BW1985
Mon Jan 22, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 8988

Re: Refinishing roughed in stairs - removing carpet

...More likely green wood was used or the wood was not allowed to acclimate for at least a couple of days in its new home prior to installation. Old time carpenters know that. A lot of modern handymen do not. The treads sat in our house for a week prior to installation so that wasn't an issue. ... ...
by BW1985
Mon Jan 22, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 8988

Re: Refinishing roughed in stairs - removing carpet

I would wait until warm weather. They will probably close up and then open again next winter. I am typing this at a Cherry desk I built a few years back and has a surface 24" wide front to back. Made out of four boards glued up each roughly 6" wide. In the Summer, that will measure at least 24 1/4"...
by BW1985
Mon Jan 22, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Refinishing roughed in stairs - removing carpet
Replies: 60
Views: 8988

Re: Refinishing roughed in stairs - removing carpet

My 2cents If the oak is on the thin side, it may have cracked on a glue line. Doesn't take much stress. Overall, a glued-up board is more stable than a solid wide piece. So I wouldn't fret about the glue joints per se. Generally, the glue joints are the strongest part provided the joint is sound. P...
by BW1985
Sat Jan 20, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Home Humidifier input please
Replies: 48
Views: 3846

Re: Home Humidifier input please

I tried one once. A very cheap one and I don't remember the details. The problem I had with it is that we have very hard tap water, and the humidifier output a fine white powder of mineral residue that got all over everything. No water softener? That's right. No water softneer. We have a water soft...