Search found 1171 matches

by centrifuge41
Thu Jul 12, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Is expensive olive oil worth it?
Replies: 59
Views: 5466

Re: Is expensive olive oil worth it?

I find the Bertolli olive oil has significantly less flavor than the 3.99/bottle Aldi SimplyNature house brand organic olive oil. You can get more flavor for less $ if you try out Aldi or Lidl's olive oils, which always cost between $3 and $4 a bottle at Aldi, and which get to that price at Lidl whe...
by centrifuge41
Mon Jun 25, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1493

Re: San Antonio and Austin trip

If you wish to stay in San Antonio longer, you can visit the missions trail and see a few other missions south of the Alamo. Of course, San Antonio also has a 6 flags and a Sea World, but so do other cities. And then, off to Austin you go. If you wish, you can stop at the Outlets at San Marcos.
by centrifuge41
Wed Jun 20, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 234
Views: 41442

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Nice! Rate going up quickly.
Quick snapshot today:
CIT: 1.85%
Marcus by Goldman Sachs: 1.7%
Discover savings: 1.65%
Ally: 1.65%
Amex Savings: 1.65%
Barclays Savings: 1.65%
Capital One Money Market: 1.6%
by centrifuge41
Tue Jun 12, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: 401k Options
Replies: 10
Views: 468

Re: 401k Options

The iShares S&P 500 index and Vanguard small cap institutional index together would do well to approximate total stock market. The iShares US Aggregate bond index is a great bond fund. The Fidelity International index fund is cheap, but it looks like an EAFE fund (Europe Austro-Asia Far East). You w...
by centrifuge41
Mon Jun 11, 2018 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment with interest free credit card
Replies: 10
Views: 876

Re: Mortgage payment with interest free credit card

There was a promo for paying bills with Plastiq using a mastercard, $250 at a time, for 0% fee.
by centrifuge41
Thu May 10, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 4005

Re: Hotel rewards programs

Just as I thought - without elite status, typical hotel rewards programs rebate you less than the 9% that a b10g1 program like Hotels.com would rebate you. Link.
by centrifuge41
Sun May 06, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: E-Trade ETF equivalent for VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)?
Replies: 10
Views: 732

Re: E-Trade ETF equivalent for VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares)?

Thanks for starting this thread all. The E-Trade wiki page has been updated for new ETFs and changes (mostly Schwab family additions) to the no transaction fee Mutual Fund list.
by centrifuge41
Sat Apr 28, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 4005

Re: Hotel rewards programs

I've been able to get quite a few free nights via hotel card sign-up bonuses. Mostly end up using the points when we want to be in a general area, but don't really care about specific location. We've kept the no fee ones and IHG cards as it gives a free night to offset the $49 fee. IHG also offers ...
by centrifuge41
Tue Apr 24, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Max out 401K with Empower or open a separate IRA
Replies: 19
Views: 1503

Re: Max out 401K with Empower or open a separate IRA

Check out the interest rate of JP Morgan Prime Money Market - Capital. Here are probably your best funds: Bond: Vanguard Total Bond Market Index I. SEC yield is probably north of 3% on this one now. Large blend: Vanguard Institutional Index-Inst Plus Mid cap: Vanguard Extended Market Index-I Interna...
by centrifuge41
Tue Apr 10, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Thank You points -> Jet Blue, special offer, take it?
Replies: 5
Views: 561

Re: Citi Thank You points -> Jet Blue, special offer, take it?

It's decent if you live in Boston or Fort Lauderdale or something, and you'd be flying Jetblue often. But I think that generally, Lifemiles offers the best opportunities for long haul awards free of fuel surcharges, in case you want to travel internationally. Lifemiles is my new favorite Citi transf...
by centrifuge41
Sun Apr 08, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Travel Rewards/Prague/Budapest
Replies: 14
Views: 905

Re: Travel Rewards/Prague/Budapest

Holiday Inn Prague Congress Center is a steal at I believe 15k points a night. 3 stops away from Prague’s train station. Short walk to Vyshrad. If you are committed to the intercontinental though, I understand. As far as Budapest, I haven't been, but the 15k Radisson Blu Beke looks solid. Hopefully ...
by centrifuge41
Mon Apr 02, 2018 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 6360

Re: Max-funding an Index Universal Life policy to the IRS limit??

Nate79 posted for you S&P 500 performance. You should excel out the performance without dividends, with a 0% gain during loss years, but with a 13.5 (or whatever % cap) when the index makes large gains. Then you should excel out the performance with dividends, and with losses. You'll understand bett...
by centrifuge41
Tue Feb 06, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Ireland accommodations
Replies: 9
Views: 869

Re: Ireland accommodations

We stayed at the Radisson Blu Limerick for 2 nights. We came in from Dublin the night before, stayed, drove to Killarney and did the ring of Kerry, and returned to Limerick (somewhat of a long day). After the 2nd night, we headed out to the Cliffs of Moher, which is relatively close. If you choose n...
by centrifuge41
Thu Jan 25, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: Seeking help with Asia airline flights
Replies: 6
Views: 442

Re: Seeking help with Asia airline flights

Do you have any miles? Don't forget to try San Jose airport. Surprisingly, ANA flies San Jose to Narita (where you can then connect to Beijing). You can query SHA airport in addition to PVG airport for leaving Shanghai, but you'd have to make a connection. Also, you can check Spring Airlines' websit...
by centrifuge41
Mon Jan 22, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Real Estate in Montgomery County MD
Replies: 6
Views: 642

Re: Help with Real Estate in Montgomery County MD

Here's an article that might provide some tangential/background perspective.
https://ggwash.org/view/65967/heres-why ... n-fix-that
by centrifuge41
Sun Jan 07, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1618

Re: Debating which credit card to get for airline travel

Mind saying which airport you live near, and what continents you'd want to travel to internationally? That'd guide what kinds of points are useful, to fly on which international airlines.
by centrifuge41
Sat Dec 30, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Your travel tips for Vienna and Budapest?
Replies: 23
Views: 1449

Re: Your travel tips for Vienna and Budapest?

Yes, Schonbrunn is great. It is almost as large and grand as the Louvre. Also, the Kunsthistorisches art museum is great. 2 or 3 hours is enough, but if pressed for time, focus on the floor with all of the Habsburg riches: really ornate ivory, gold, china. Pretty incredible how much treasure the Hab...
by centrifuge41
Thu Dec 28, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5296

Re: Diamonds are forever.

Two round brilliant diamonds? May I recommend the ~5% premium shopping on James Allen instead. Two diamonds can have very similar specs, but look rather different. The pictures can often be worth the small price premium. What's more, sometimes you'l find a given stone on James Allen, see the picture...
by centrifuge41
Wed Dec 27, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 59
Views: 5296

Re: Diamonds are forever.

De Beers still controls a sizable percentage of diamonds, but it's not as big of a percent as in years past. So, diamond prices are becoming a little bit more market-driven (e.g. demand from other countries is part of the reason for the high price). Of course, there's still a huge markup. Stores can...
by centrifuge41
Thu Nov 16, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65358

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Please see the wiki . Has any put together a comparable list of Vanguard Funds to the new commission free funds? Sorry if this has already been posted, but I read through a lot of post and didn't see it. I am in these funds and would rather just move to the comparable commission free fund then deali...
by centrifuge41
Mon Oct 16, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65358

Re: Fellow TDA bogleheads

Please reference the wiki and feel free to make updates if you gather any other findings.
by centrifuge41
Wed Sep 27, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Increase 401K percentage or contribute to ESPP?
Replies: 14
Views: 1198

Re: Increase 401K percentage or contribute to ESPP?

Yep, just use the ESPP as a churn-through to net the freebie money; sell early sell often. If the ESPP funds can be sold same month, then it doesn't take much extra liquidity at all to do it. If the ESPP funds have to be held for some time, then it takes a bit of liquidity to get to the point in the...
by centrifuge41
Tue Aug 29, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns about under/over funding 529
Replies: 16
Views: 1678

Re: Concerns about under/over funding 529

Don't worry and just leave it be. The stable value plus earns 2.59%. Even if you ended up using it for non-qualified reasons, it'd net 2.33 (though you'd be on the hook for returning the state income tax deduction, paying 10% penalty-on-gains, and paying federal income tax on growth). But how is tha...
by centrifuge41
Thu Aug 17, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 18928

Re: Lost $7000 today in ONE DAY!

Sweet, time to get more equities! :D
by centrifuge41
Tue Aug 08, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K selections, please
Replies: 4
Views: 623

Re: Help with 401K selections, please

Doesn't look like much that's good on the NTF self directed list. I saw some stuff in the .4% to .5% range but didn't find anything lower, after combing through it quickly. Likewise, self-directed costs too much. You have solid choices though, so don't worry. US Equity Index fund costs 0.06% and is ...
by centrifuge41
Wed Jul 19, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 48
Views: 8097

Re: Is Amex Platinum worth the high fees?

If you can use the $200 uber credit, and $200 airline credit, then it's in a way, $150 AMF. It seems like the one unique benefit of most cards in the $395+ range is airline lounge access. Chase Sapphire Reserve is also effectively $150 AMF after subtracting $300 travel credit from the $450 AMF. Do y...
by centrifuge41
Fri Jun 23, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investment path for home (cha-ching)
Replies: 14
Views: 1621

Re: Investment path for home (cha-ching)

Hi Dee-89, Yes. That's right. Avoid risk and look at 5 year CDs perhaps. Maybe find ones that pay decent interest and also have a small early termination fee, just in case. Don't mind TheJoker's thoughts too much. Apartment rents have gone up, say, 100 a month per year (1750 to 1850, or 5%+), but ho...
by centrifuge41
Fri Jun 23, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1751

Re: How do you approach your ESPPs

Awesome plan! How much can you contribute? If 10% of your salary, then the plan is worth an additional 1.7% on your salary, or more (e.g. if the stock went up). If 15% of your salary, that plan is +2.6% or more on your salary. You do well to contribute the max, and sell asap after each holding perio...
by centrifuge41
Thu Jun 22, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: How do you approach your ESPPs
Replies: 26
Views: 1751

Re: How do you approach your ESPPs

Tell us more about your ESPP. Like, the amount of discount, holding period, amount you can participate with, etc. I use mine as a churn-through, equivalent to an additional 2.6% of salary. No reason to hold long term with mine. Completely compatible with monthly/yearly budgets, and as a churn-throug...
by centrifuge41
Thu Jun 08, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 41
Views: 5333

Re: HSA with HSA bank (my options?)

You are going to incur the $3 fee from TDA to use their brokerage service regardless of how much cash you keep at HSA. One poster above mentioned how he has no fees so I assume he has a special deal going that I'm not aware. If you don't need the $5k for medical expenses for that year it of course ...
by centrifuge41
Thu Jun 01, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: What to Do with Yearly Employer Bonus?
Replies: 10
Views: 1288

Re: What to Do with Yearly Employer Bonus?

Yeah, TD Ameritrade has fee-free ETFs, including a lot of Vanguard ETFs. Need to enroll before buying though. Should be an easy one-click option.

Of course, you may prioritize debt pay-down, or making sure the emergency fund is set. That's ok too.
by centrifuge41
Mon May 22, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Which International in Taxable?
Replies: 3
Views: 788

Re: Which International in Taxable?

Back then, FTSE All World was a 3rd generation fund, and Total Intl was a 2nd generation fund. They improved Total Intl, and leapfrogged it into a 4th Gen fund. It is a "better mousetrap" now. Check out this article for an explanation:

Article
by centrifuge41
Fri May 05, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Amex membership rewards help
Replies: 16
Views: 2135

Re: Amex membership rewards help

Delta and Jetblue don't expire. I think Delta's conversion ratio is better.

What if you close the card, and separately open an Amex Everyday? No AMF and also points transfer to MR airline/hotel partners.
by centrifuge41
Thu May 04, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 4583

Re: Visiting Paris for 8 days - what to do?

Yes, 8 days is plenty to venture out. We were in Paris for 4 days (1 day was a day trip to Versailles), and in the other 3 days, we got to see quite a lot, but not everything. E.g. we went to the Parthenon, but didn't have time to visit the Sacre Coeur. Carcassonne in Southern France is really cool,...
by centrifuge41
Tue Apr 04, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 5483

Re: Some Credit Cards Make You Spend More?

The Q2 Chase Freedom 5x drugstore category makes me spend 1514.85 in one shot at CVS, haha.
by centrifuge41
Fri Mar 24, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Buy a house or wait in bay area
Replies: 34
Views: 6604

Re: Buy a house or wait in bay area

If you can secure a 850k home in a relatively good location for 850k and keep maxing 401k/IRAs, that doesn't sound bad at all. But I thought multiple offer no contingency was common? Inventory flies off the shelf? I know some coworkers who moved out there. To get the size that they wanted, they had ...
by centrifuge41
Fri Mar 24, 2017 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 2520

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

I don't even think there's a billpay UI? At least not on the 360 Savings account. Why not grab both the Money Market and Checking? And put most money in Money Market, and a small chunk in Checking? I have Savings and Checking with 360. But I moved most of my funds over to Discover, since they paid m...
by centrifuge41
Wed Mar 22, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should we participate in ESPP?
Replies: 16
Views: 1922

Re: Should we participate in ESPP?

C is probably easiest but not the cheapest. Our ESPP uses e-trade. I just sell on e-trade. I can import in the information of all the buy/sell/dividends when doing taxes. That information might not get passed on if you transfer shares to another broker. B is also easy enough, if Vanguard can pull $ ...
by centrifuge41
Mon Mar 20, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP
Replies: 16
Views: 1468

Re: ESPP

Participate!!! Don't worry too much about liquidity concerns. Since you can start selling so quickly, you'd basically be churning a portion of your paycheck through, and getting your paycheck (plus an extra 5% of your paycheck: 20% of your salary with a 25% bonus (same as 20% discount) back to you w...
by centrifuge41
Thu Mar 16, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 2850

Re: Looking at refurbished desktop PCs

Doesn't seem like a super deal, unless you really value the SSD at retail price. We recently grabbed an i5 3000 series (Ivy Bridge) desktop off eBay for $130. Also a Lenovo. Yes, there may be spyware in the base build. But we're reformatting anyway. Roughly speaking. i5 2000 series (Sandy Bridge) th...
by centrifuge41
Tue Mar 14, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Just got my annual review today
Replies: 23
Views: 5135

Re: Just got my annual review today

Your manager-manager could be critiquing your communication skills as an effect, rather than as a cause, of budget constraints. If you are a cost center to the business, rather than a revenue center, you or one of your peers could be a total rock star, yet still end up with only a sliver of a higher...
by centrifuge41
Fri Mar 10, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on 401k, bonus
Replies: 2
Views: 436

Re: Advice on 401k, bonus

Hello gisheron, Welcome to Bogleheads! :) Yes, with 0.07% target retirement funds, and almost all investable assets sitting in 401k, the target retirement fund looks like the thing to do. Pick the one with the bond allocation that matches your risk tolerance. (E.g. if you pick a fund that's 30% bond...
by centrifuge41
Fri Mar 10, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Raising Car Insurance Deductible?
Replies: 26
Views: 2342

Re: Worth Raising Car Insurance Deductible?

Yes, totally it to raise the deductible (or drop comprehensive/collision entirely)! The point of insurance is not to cover high frequency (but low $) events, such as the bulk of a $1k or $1500 car damage incident. The point is to cover super rare events that could potentially bankrupt you, or have y...
by centrifuge41
Thu Mar 09, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Does it make sense to split between some domestic funds
Replies: 5
Views: 538

Re: Does it make sense to split between some domestic funds

Yeah, Vanguard Institutional Index is good. But hopefully, there's a way for you to grab some small and/or mid caps elsewhere in your portfolio to balance it out.

Reference
by centrifuge41
Thu Mar 09, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Variable annuity inside of a 457?
Replies: 8
Views: 933

Re: Variable annuity inside of a 457?

Annuities are a tax disadvantage. http://investingadvicewatchdog.com/images/photofinish-1.jpg Try reading some of the threads from people who are trying to get OUT of annuities. This is a great graph! I wanted to bring to attention the Bogleheads Wiki article on Non-deductible IRAs. Sure, non-deduc...
by centrifuge41
Thu Mar 09, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 5882

Re: Should I get a Chase Freedom Unlimited Visa?

If you're looking for cash back... go for one of the 2% cards instead. Fidelity Visa (need a Fidelity account) or the Citi Double Cash. This card earns Chase Ultimate Rewards points. These are most valuable if you have a Sapphire or Ink card, which will have an annual fee. You can then transfer you...
by centrifuge41
Thu Mar 02, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 41
Views: 4641

Re: Going to Tahiti and we're budget travelers

Sometimes there's taxis at the Moorea ferry terminals. Public transportation (Le Truck) doesn't exist. You might be able to find a nice islander willing to take you around a bit by trying to hitchhike. It's safe. We were graciously picked up by a wonderful French couple, who brought us to the pineap...
by centrifuge41
Wed Mar 01, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 11051

Re: BofA HSA dropping Vanguard Funds

I believe it. You need $5000 or more in the deposit account to avoid all monthly fees.
by centrifuge41
Wed Mar 01, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 11051

Re: BofA HSA dropping Vanguard Funds

You have to load funds directly into an HSA from payroll deduction to get the FICA deduction. So, keep your existing HSA, and if desired, also open up an HSA Bank account. You should be allowed to roll over from your employer's chosen HSA to HSA Bank 1x/year.
by centrifuge41
Mon Feb 27, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Weighing up how much to spend on house
Replies: 25
Views: 2985

Re: Weighing up how much to spend on house

Randomizer,

How did you find 2.0 to 2.5% fixed rate mortgages? It looks like 15 year mortgages go for about 3.125 or 3.25 today, and 10 year mortgages go for 2.85 or 3.0 today? Conventional, or another program?