Search found 1617 matches

by BW1985
Thu Oct 12, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 49
Views: 6175

Re: Will it be a mistake to buy VTSMX today?

Most likely a silly question here but are we all assuming that 401K and IRA are maxed when investing in after tax dollars? Not necessarily - I have a taxable account and I'm not maxing my 401(k) - it depends what you plan to use the money for - Retirement? Future hosue fund? Car fund? I'm currently...
by BW1985
Thu Oct 12, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Protein Bars - Recipe?
Replies: 7
Views: 598

Re: Protein Bars - Recipe?

I've made my own - Oats, peanut/almond/sunflower butter, protein powder, cocoa, honey and a little bit of almond milk to mix it. That's it. Put in a flat dish and into the fridge. Then i cut into squares, wrap and put either back in the fridge or freezer. While traveling I buy Quest bars or Rx bars....
by BW1985
Thu Oct 12, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Berkey filter systems - care of the Berkey black filter
Replies: 4
Views: 366

Re: Berkey filter systems - care of the Berkey black filter

Just re-prime the filters. I think Berkey says you can clean them with some type of brush if you need to but I've never done that.
by BW1985
Mon Oct 09, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Bond help. 33 year old
Replies: 8
Views: 935

Re: Bond help. 33 year old

I have seen people gradually increase bonds over X amount of years. For example 10% now, 15% in 5 years, 20% in 10 years, etc. Something like that, or even increase it every year if you want. Ofcourse you could also just decide what you want your AA to be and just lump sum it into bonds right now.
by BW1985
Tue Oct 03, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Buy on Really Bad Days, Sell on Really Good Days?
Replies: 169
Views: 9116

Re: Buy on Really Bad Days, Sell on Really Good Days?

I thought BH's don't market time? :confused
by BW1985
Tue Sep 26, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7409

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

For Bogleheads with biggish investable assets, the brokerage bonus game yields a lot more bang for the work required. Can you give an example? I'd like to look into this. Also, how do you avoid "selling and rebuying" aka a taxable event when switching? Bogleheads have been transferring assets "in-k...
by BW1985
Tue Sep 26, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7409

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

I think the common definition of "real business" (or not) would be whether the "business" filed some sort of tax return, even if only via a Schedule C, or even Schedule C-EZ, on someone's personal tax return. Otherwise any buy/sell/service activity is either merely incidental or it's part of the un...
by BW1985
Tue Sep 26, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7409

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
Wed Sep 20, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4176

Re: Buying nightguards (teeth grinding)

coffeehubcap wrote:
Wed Sep 20, 2017 12:16 pm
I purchased mine from teethguard.com a few days ago for $126. I'll let you know what I think of it after I go through the fitting form and getting the hard acrylic thin size. I could've gone for double the thickness but decided I'd try this one out.
I will be looking for your update. Thanks
by BW1985
Wed Sep 20, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?
Replies: 127
Views: 21297

Re: New vehicle...GMC Acadia, Chevy Traverse, or Buick Enclave?

If I was in the market for a larger SUV I'd buy a Ford Explorer. Nothing against the GM's you mention though.

Edit: Just realized this is an old thread.
by BW1985
Wed Sep 20, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3904

Re: 1st medical bill, already overdue and threaten to send to collection

Informed consent about bills is a huge problem, That's the only problem. Medicare subscribers must give their informed consent to pay more than their copay, it is federal law Question is why isn't that the law for ALL and not just medicare recipients? I don't go to the grocery store with no price t...
by BW1985
Wed Sep 20, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3904

Re: 1st medical bill, already overdue and threaten to send to collection

One way to avoid the third party '$6k surprise!' is to get your care at a health system like Kaiser, Mayo, etc.

I have not received care there but I believe you only receive one bill for everything since all providers are employed by the health system.
by BW1985
Wed Sep 20, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3904

Re: 1st medical bill, already overdue and threaten to send to collection

Informed consent about bills is a huge problem, That's the only problem. Medicare subscribers must give their informed consent to pay more than their copay, it is federal law Question is why isn't that the law for ALL and not just medicare recipients? I don't go to the grocery store with no price t...
by BW1985
Tue Sep 19, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2243
Views: 391261

Re: What's Your Credit Card Rewards Strategy?

An World Elite MasterCard would provide a complimentary upgrade at National or Avis rental cars. Has anybody used the an World Elite MasterCard for the rental car status upgrade for National or Avis? Does anybody have any experience with status upgrades at National (executive) and Avis (Preferred)?...
by BW1985
Tue Sep 19, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2243
Views: 391261

Re: What's Your Credit Card Rewards Strategy?

An World Elite MasterCard would provide a complimentary upgrade at National or Avis rental cars. Has anybody used the an World Elite MasterCard for the rental car status upgrade for National or Avis? Does anybody have any experience with status upgrades at National (executive) and Avis (Preferred)?...
by BW1985
Tue Sep 19, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2243
Views: 391261

Re: What's Your Credit Card Rewards Strategy?

An World Elite MasterCard would provide a complimentary upgrade at National or Avis rental cars. Has anybody used the an World Elite MasterCard for the rental car status upgrade for National or Avis? Does anybody have any experience with status upgrades at National (executive) and Avis (Preferred)?...
by BW1985
Tue Sep 19, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2243
Views: 391261

Re: What's Your Credit Card Rewards Strategy?

BOA denied me their new card. I only have ever had 1 BOA card. "Too many accounts overall" was their answer. Barclays also denied me a new Arrival + and Aviator Red last week. Time to go into hibernation...reemerge in a year and start at it again. How many new cards in last 24 months? How many new ...
by BW1985
Mon Sep 18, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2354

Re: Any Ford Escape drivers in Boglehead-land?

Having owned one, I would recommend looking at other options. My major heartburn with my Escape was the transmission failure. Ford had some chronic transmission issues with a few models, my Escape happened to have one of their problematic transmissions. Looks like the MSRP starts at just below $25,...
by BW1985
Sun Sep 17, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

sksbog wrote:
Sun Sep 17, 2017 1:36 pm
Excellent time to buy iPhone 6 or 6+ :D
Apple doesn't sell them anymore though, not even refurbs. 6s yes
by BW1985
Sun Sep 17, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 4176

Re: Buying nightguards (teeth grinding)

The best one I had only covered my top front teeth, had a little piece that extended down creating a gap.. I lost it though. I've actually lost two and never bought another one. My old insurance paid 50% but my new insurance pays nothing. Can't bring myself to spend $400.
by BW1985
Fri Sep 15, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

How long do iPhones last before they generally start to slow down or become obsolete due to operating system updates? I've never had a problem using them 2-3 years, but I would expect once you get to year 4-5 things start to get long in the tooth (don't keep my phones that long, so I don't know). M...
by BW1985
Fri Sep 15, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Any Ford Escape drivers in Boglehead-land?
Replies: 23
Views: 2354

Re: Any Ford Escape drivers in Boglehead-land?

I have a 2013 SEL fully loaded. Had it almost 5 years and haven't done a thing other than oil changes. (knock on wood)

I think it's a great vehicle. I find it very comfy and have been on several 10 hour + road trips in it.
by BW1985
Fri Sep 15, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

Having thought about it, I think I will sell the 6s for about $200 back to Verizon and go with the smaller sized 8 with lower capacity (everything going cloud anyways) which should cost around $500 bought in a sales tax free state and hope I have $200 in residual value in 2 years when the next cycl...
by BW1985
Thu Sep 14, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO. We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone. They might not make a 6 in a year or two but more likely you'll be left...
by BW1985
Wed Sep 13, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

Anyone have any negative experience with buying a refurb directly from Apple? You get the same 1 year warranty as a new phone but save around $100 off the new price.
by BW1985
Wed Sep 13, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

Here are the new prices of all iPhones. https://www.theverge.com/circuitbreaker/2017/9/13/16300850/iphone-price-cuts-apple-event-se-6s-7-8-x-differences What I don't know is whether the Apple Stores will continue offering their recycling buyback discounts when you bring in your old iPhone. By disco...
by BW1985
Wed Sep 13, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

From William Bernstein's "If You Can. How Millenials Get Rich Slowly": https://s26.postimg.org/5uuxacnah/Capture.jpg source: https://www.etf.com/docs/IfYouCan.pdf Fair point, but I'm willing to bet most people who are shelling out for the "X" model aren't going to be at the median income. A $1,000 ...
by BW1985
Tue Sep 12, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

sunny_socal wrote:
Tue Sep 12, 2017 3:45 pm
Cash wrote:
Tue Sep 12, 2017 3:37 pm
GuitarXM wrote:
Tue Sep 12, 2017 3:36 pm
No new features.
That's just factually incorrect.
So yes it does have new features, true.

Are there any that are truly important?
I think the wireless charging is cool. I'm not sure it's worth the price tag but it's cool.
by BW1985
Tue Sep 12, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20082

Re: Iphone X is $1000

Will the prices of the 6 and 7 models drop now that the 8 and X are out?
by BW1985
Tue Sep 12, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18214

Re: Is it really Worth it to brown bag your lunch at work?

We cook on Sundays and make enough food for the weeks lunches and dinners. We spend more on groceries than the average couple but we're okay with that.

My wife will eat lunch out occasionally because we cook very healthy and she enjoys the occasional meal out to splurge whereas I do not.
by BW1985
Tue Sep 12, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Negotiating with Charter/Spectrum
Replies: 10
Views: 948

Re: Negotiating with Charter/Spectrum

Is the streaming cable app available in your area? I pay $30/mo for that incl. tax + $45/mo for internet so my bill is $75 total.
by BW1985
Tue Sep 12, 2017 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11309

Re: Anyone else freeze their credit score?

I'm going to freeze my file with Chexsystems and Innovis, but not with TransUnion, Experian and Equifax. There are no fees for freezing my file with the first two companies, plus I don't chase bank bonuses so I don't see a need for me to unfreeze my Chexsystems report anytime in the foreseeable fut...
by BW1985
Tue Sep 12, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11309

Re: Anyone else freeze their credit score?

I'm going to freeze my file with Chexsystems and Innovis, but not with TransUnion, Experian and Equifax. There are no fees for freezing my file with the first two companies, plus I don't chase bank bonuses so I don't see a need for me to unfreeze my Chexsystems report anytime in the foreseeable fut...
by BW1985
Tue Sep 12, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11309

Re: Anyone else freeze their credit score?

If they have all your info, whats to stop the hacker from unfreezing your credit reports?
by BW1985
Tue Sep 12, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11309

Re: Anyone else freeze their credit score?

Vanguard has a computer access restriction option where you can choose to only allow previously known devices to access your account.
by BW1985
Mon Sep 11, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: AirBnB Hosting - In lieu of traditional rentals
Replies: 13
Views: 2108

Re: AirBnB Hosting - In lieu of traditional rentals

Son is a superhost. He owns. He is single in a townhouse. A roommate @1000/mn has a lot of issues. Rent agreement, housekeeping, kitchen, parking, compatibility,etc. He Airbnb's year round but almost entirely over better 4 months of the year and some holidays. Earns about 10K +/-. for less than 90 ...
by BW1985
Thu Sep 07, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 3822

Re: Couple in early 30s, any changes?

I didn't know MD's can make 500K a couple years out of residency. Wowzers :shock:
by BW1985
Wed Sep 06, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8686

Re: When calculating net worth, how do you value your house?

Why is this so controversial? It's the market value of your home minus the mortgage balance. It is not the purchase price, or the appraised value, or the fire sale price. Net worth is a current snapshot in time of your financial worth. If someone were to ask me my net worth, the only correct answer...
by BW1985
Mon Aug 21, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16027

Re: Jobs that pay over $100,000

Agree with the sentiment that "do what you love" is generally BS. Some folks are fortunate to have a perfect storm of a career they love that pays well. On the other hand, you can have a job you simply like (or more importantly are good at) and live a happy, fulfilling life. I was a CPA in private ...
by BW1985
Mon Aug 21, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4926

Re: Thoughts on Chase for everyday banking

I'm a big fan of Chase. I moved a few years ago and no longer have branches near me but I kept my banking with them. I realized with technology I don't even need a branch.
by BW1985
Tue Aug 15, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8575

Re: Is $9000 too much for a sectional sofa ?

Room & Board has been mentioned a few times. I picked up a chaise sofa off Craigslist like new for $130 that costs $1500. That was a good find. If it gets stained I won't have a meltdown.
by BW1985
Tue Aug 15, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8575

Re: Is $9000 too much for a sectional sofa ?

My parents friends spent 10k on a sofa. They're middle aged, upper middle class and have no kids. So not everyone thinks it's too much.

I would bet most Bogleheads think it is though.
by BW1985
Tue Aug 15, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8575

Re: Is $9000 too much for a sectional sofa ?

There's no way I would spend that kind of money on furniture if I had kids, I probably wouldn't spend it anyways but definitely not if I had kids. I'm just picturing my freak out when the first food or drink is spilled, it ain't pretty. Now whether that's a fair price for a custom sofa of this quali...
by BW1985
Tue Aug 15, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Drinking water price craziness
Replies: 79
Views: 7792

Re: Drinking water price craziness

I think it's just Marketing and Branding. Dasani, Aquafina, Absopure, etc. are all purified bottled waters. Ice Mountain is a spring water but because of marketing some people probably choose the other brands even if they cost more. Personally I just use a Berkey water filter at home and fill my Tak...
by BW1985
Thu Aug 10, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6638

Re: What Percentage CASH are you?

85/15 with the 15 being cash.

I have be reluctant to lock that into CD's or buy bonds with the current interest rate environment.
by BW1985
Thu Aug 10, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17422

Re: Life at crossroads. What would you do ?

Guys I'm not whining or being negative intentionally. Just stating my concerns. Moving to LCOL sounds awesome except when you think about the practicalities of getting a job and networking. If I can't get a job with my connections in the valley what chance do I have outside the valley. I don't know...
by BW1985
Mon Aug 07, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 7239

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

The PP value depends on where you're traveling. The MSP Escape lounge is okay but it's in terminal 1 and Southwest is out of terminal 2 so I don't even get to use it when I'm traveling for pleasure. Hasn't been all that valuable to me so far.
by BW1985
Fri Aug 04, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2243
Views: 391261

Re: What's Your Credit Card Rewards Strategy?

Anyone else notice the Hyatt card changed? It used to be 2 free nights at any property worldwide now it's just 40K points.. :confused
by BW1985
Thu Aug 03, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9912

Re: Burned out at 28. Do I have enough?

Plenty of people live a great life making less, you don't have to deal with the higher paying job if you don't want to. It's up to you, don't need approval from this board. If you had a spouse then their input would matter but you're single. The fact that you have a good head start is great but not ...