Search found 4655 matches

by madbrain
Sat Feb 17, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Mega backdoor: in Plan Roth to Roth IRA
Replies: 6
Views: 408

Re: Mega backdoor: in Plan Roth to Roth IRA

Are you sure that your plan allows in-service withdrawals from Roth 401k ? Most do not. My Megacorp plan allows in-service withdrawals from non-Roth after-tax 401k contributions/balances, or in-plan rollovers of these to Roth 401k, but not in-service withdrawals from Roth 401k. I would have to termi...
by madbrain
Fri Feb 16, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: Getting healthcare retroactively covered under COBRA?
Replies: 8
Views: 745

Re: Getting healthcare retroactively covered under COBRA?

When I left my job a few years ago, and had an illness 2 days after my coverage was terminated, I went to Kaiser. They made me sign a form stating that I was in my COBRA election period and was agreeing to pay the premium. I was able to see the doctor and get my prescriptions that day, paying my reg...
by madbrain
Tue Feb 13, 2018 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 31
Views: 3097

Re: Merrill Edge - Platinum Honors

How do you know that it is Merrill Edge and not Vanguard that messed up? There are many posts on bogleheads.org stating Vanguard screwed up cost basis information. I have not seen one before about a Merrill Edge cost basis error. I can't be sure for the cost basis of transferred assets who messed u...
by madbrain
Mon Feb 12, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7088

Re: I’m not renewing my Costco membership.

If you are really bothered by that $60/year, one way to get around that is to ask a friend or family member with a Costco membership to buy you a $10-$25 prepaid cash card. You can use the cash card to get into Costco and pay for part of your purchase. You can't do that anymore. Really ? https://ww...
by madbrain
Mon Feb 12, 2018 8:32 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 31
Views: 3097

Re: Merrill Edge - Platinum Honors

I took advantage of the bonus offer. 9 months after asset transfer, still haven't got one cent of it. Also, Merill messed up with cost basis of one of my securities mightily. I discovered it only last month. Unit cost was the same for all lots going back to 2012, which was clearly wrong. Merrill say...
by madbrain
Mon Feb 12, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51035

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

Can anyone confirm whether the "Alternative Fuel Vehicle Refueling Property Credit" , which goes towards electric car chargers among other things, was renewed ? And if so, when will form 8911 be available for the 2017 tax year ? Also, still waiting for form 8936 for the 2017 tax year for my Chevrole...
by madbrain
Mon Feb 12, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7088

Re: I’m not renewing my Costco membership.

Although we don't have a Costco membership, we still order a few items online. The extra charge (5%?) doesn't change the value much, especially since sale prices still count and everything I buy ships free. You may want to see if that works for you. Just be aware that the online prices include the ...
by madbrain
Mon Feb 12, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 962045

Re: What Movie Have You Recently Watched?

Shape of water on saturday. First time in a theater in a while. It was a good movie, but not great. Can't understand why it has so many oscar nominations. Saw this one last night in the theater since it's about to leave. I've always liked the Del Toro's artful, kind of dark films. Yes, me too. It's...
by madbrain
Mon Feb 12, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 962045

Re: What Movie Have You Recently Watched?

The Post . Good movie with Meryl Streep and Tom Hanks.
by madbrain
Sun Feb 11, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 5843

Re: Live / work in California - Technology Career

3. Desire 3: Wife do not want to retire in midwest, so need to move south. She has never experienced 100+ weather. Me hate above 80+ weather. Can tolerate, but will not enjoy. Been in Arkansas during summer for job, and know what a 100+ weather is at 2 pm. 9 PM is warm in Arkansas Oh boy, you're go...
by madbrain
Sun Feb 11, 2018 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Can’t decide if we’re getting close to FIRE without knowing health care costs
Replies: 30
Views: 2245

Re: Can’t decide if we’re getting close to FIRE without knowing health care costs

You do. It is your insurance premium plus your out of pocket maximum. In many cases, it is about 20K per year. That is your worst case number. That is just not true. The premiums go up with age. At age 64 on an ACA plan, I have done some quotes, and we could hit $30k for 2, and in fact would, given...
by madbrain
Wed Feb 07, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Help with a backdoor Roth mistake
Replies: 10
Views: 1183

Re: Help with a backdoor Roth mistake

I'm in a very similar situation to yours. My income is right at the edge of being able or not able to contribute to Roth directly. We did two traditional IRA contributions last year, and immediately converted to Roth. Neither of us ever carry traditional IRA balances from year to year. My Roth IRA w...
by madbrain
Wed Feb 07, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Is this 1099-R for my megabackdoor 401k incorrect?
Replies: 16
Views: 1078

Re: Is this 1099-R for my megabackdoor 401k incorrect?

IMO, In-plan Roth rollover is definitely NOT a backdoor because it was always allowed and not gray area (aka backdoor) under section 2112 of Small Business Jobs Act of 2010 whereas the mega backdoor involving after tax 401k to Roth IRA was gray area until IRS guidance in 2014. Yep...that's the sema...
by madbrain
Wed Feb 07, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Is this 1099-R for my megabackdoor 401k incorrect?
Replies: 16
Views: 1078

Re: Is this 1099-R for my megabackdoor 401k incorrect?

I did an in-plan conversion of after-tax 401k contributions to Roth last year too. Got the 1099-R yesterday and it reads like this :

box 1 - $23,554.85
box 2a - $363.11
box 3 - $0
box 4 - $0
box 5 - $23,191.74
box 6 - $0
box 7- G
box 8 - $0
box 12 - $0
box 13 CA <idnumber>
by madbrain
Mon Feb 05, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

Another place JP Morgan messed up was your missing 1099-R related to Check Two, the $300k pre-tax 401k. You should have a 1099-R that reads: box 1 gross distribution - $300k box 2a taxable amount - $0 box 5 employee contributions/designated Roth - $0 Please contact JP Morgan or Employer 1 human res...
by madbrain
Mon Feb 05, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 27
Views: 21452

Re: New phone..any advantages to buying at Costco?

I wouldn't buy at Costco. They don't take AMEX anymore and AMEX provides the best extended warranty and purchase protection on electronics. Although Costco is pretty good too. Costco VISA provides 2 year extended warranty, up to 7 years. That's on top of the manufacturer warranty and Costco warrant...
by madbrain
Mon Feb 05, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

Anyone plans to short tomorrow? :mrgreen: Make up what was lost today :moneybag Nope, don't have a margin account, and don't want one. However, I'm doing an in-plan roth conversion of after-tax 401k contributions to Roth 401k today, as there will be little to no taxes to pay on this conversion (may...
by madbrain
Mon Feb 05, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

Here's the way it goes. Market drops 5%-10% and you think "it hasn't dropped enough yet to buy." So you don't buy. Then it drops 10%-15% and you say "Hey this is getting serious, it could go down some more so I'll wait" and you don't buy again. Then it drops 15%-20% and you say "Geez, this is reall...
by madbrain
Mon Feb 05, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

Bacchus01 wrote:
Mon Feb 05, 2018 5:47 pm
The DOW prices create recessions? Huh?
http://www.nber.org/papers/w19391
(S&P500 referenced there, but same difference)
by madbrain
Mon Feb 05, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

knpstr wrote:
Mon Feb 05, 2018 5:31 pm
S&P 500 down 1.4% YTD... looking to go from all equities to all cash. IPS says: "act on impulse"

Thoughts?
LOL
by madbrain
Mon Feb 05, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

+1000....yep......a few more days like this....might be time to shake the piggy bank...... :sharebeer Real bogleheads don't keep cash on the side, they rebalance their bonds into stocks. That said, if we are actually in for a 50% drop like in 2008, I may draw a check on the HELOC at that point. But...
by madbrain
Mon Feb 05, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 962045

Re: What Movie Have You Recently Watched?

Shape of water on saturday. First time in a theater in a while. It was a good movie, but not great. Can't understand why it has so many oscar nominations.
by madbrain
Mon Feb 05, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

Technically, a correction is a 10% drop within a one year period. 20% is a bear market. We hit a technical correction in intra-day trading today: https://www.cnbc.com/2018/02/05/the-dow-just-touched-correction-territory-here-are-the-stocks-that-led-the-drop.html Good thing I was asleep during marke...
by madbrain
Mon Feb 05, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

Don't worry. As soon as we see a REAL crash, like in 2008, just about all of the people who have been calling for one will change their tune. Not a chance. We are mid 30s and literally just got into a position to max IRAs and a 403b effective ~Nov. Sick to my stomach to see the overvalued prices we...
by madbrain
Mon Feb 05, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

It's official. You dip-buyers stepping up or are you hiding under the covers?? STOCK ROUT IN FULL FORCE, DOW IN FREE FALL DOWN MORE THAN 1,000 POINTS Not enough of a drop to justify buying yet. We are only talking about 6-7% in a week. Not even at proper correction level. Wake me when it's at least...
by madbrain
Sun Feb 04, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1099

Re: T-Mobile Coverage in Rural Areas

For indoor, T-mobile provided us with a cell phone booster, which didn't work very well because the strength of the signal even at the window varied widely. More recently, they gave us a booster that works off Internet. That has been much more reliable. But it requires having a separate internet co...
by madbrain
Sun Feb 04, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1099

Re: T-Mobile Coverage in Rural Areas

I was wondering if you have encountered any areas where Verizon Prepaid doesn't work (due to the absence of roaming on prepaid), but Verizon Postpaid does work. Not yet. It's a good question... Yes. Very much so. You can look at the coverage maps and see the difference. Really depends on where you ...
by madbrain
Sun Feb 04, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1099

Re: T-Mobile Coverage in Rural Areas

I'm in a semi-rural area, in the hills at the very edge of a big city. We have deers and sheep as our neighbors, so I guess you could say it's rural (there are a few human beings, too). T-mobile signal doesn't penetrate our house. It barely works outside - cuts off when I drive up or down the hill. ...
by madbrain
Sun Feb 04, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Coverage in Rural Areas
Replies: 31
Views: 1099

Re: T-Mobile Coverage in Rural Areas

As mentioned above you can download a map section in Google Maps so you can use it offline if you don't have a connection. That helps considerably. But no navigation if you are offline so you have maps but you'll need to navigate yourself. There should always be a GPS signal even if there is no cel...
by madbrain
Sat Feb 03, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3968

Re: Amazon Stock - Can this giant be stopped?

I've been hearing about raising prices and big profits for more than a decade..../yawn There are products that I order regularly from Amazon like nutritional supplements, and I can tell you that they have have gone up quite a bit on Amazon.com, some as much as 50% from one order to another. When th...
by madbrain
Sat Feb 03, 2018 9:40 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3968

Re: Amazon Stock - Can this giant be stopped?

telemark wrote:
Sat Feb 03, 2018 9:10 pm
If your friend is paying for it it isn't free, literally or otherwise. But as I said, brilliant marketing.
It's still free to me :) Anyway, I thought I would mention this since even if you split the cost with friends, it will not be much.
by madbrain
Sat Feb 03, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Flawed?] Paying off mortgage in 5 years
Replies: 17
Views: 2123

Re: [Flawed?] Paying off mortgage in 5 years

A friend referred me to this article. He himself is executing this strategy and swears by it. http://www.claytonmorris.com/blog/2015/7/20/how-to-pay-off-your-house-within-5-years-using-these-awesome-ninja-tricks Curious on the Boglehead POV about this strategy for someone who wants to make paying o...
by madbrain
Sat Feb 03, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3968

Re: Amazon Stock - Can this giant be stopped?

Their customer service is good, but their website is a mess, Um, have you been to one of their competitors' web sites lately? Say Walmart, or Target, or Sears? At least Amazon's pages don't crash or take minutes to load, I can expect to find what I'm looking for, and their suggestions usually aren'...
by madbrain
Sat Feb 03, 2018 8:50 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3968

Re: Amazon Stock - Can this giant be stopped?

Revenue and growth with limited profits - what good is it to an invester? It won't always be that way. Once they eliminate their competition, they can raise prices and profits will shoot up. That's likely when government intervention will occur. I have already seen a lot of items with rising prices...
by madbrain
Sat Feb 03, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

Before I respond to the rest of your post. Let's clarify one point about the Taxable portion of your Roth IRA. An example may help. Let's say I live in a simple world where I have 401k. And I've contributed to it on a both a pre-tax and Roth basis. When I leave my company and rollover the entire 40...
by madbrain
Sat Feb 03, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

The 2011 direct rollover from JP Morgan to the Fidelity 401k SHOULD HAVE been reported by JP Morgan on a 1099R coded G. However, since that direct rollover would not have been taxable in the event you lost the 1099R, this is nothing to be concerned with now. It will have no future implications. Jus...
by madbrain
Sat Feb 03, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

Will the in-plan Roth rollover be considered as converted during the Tax Year 2017 or Tax Year 2018? I ask because that would influence early Roth IRA withdrawal order as well as determine when the 5-year clock/susceptibility to 10% penalty ends. My intuitive sense is that it would be Tax Year 2017...
by madbrain
Sat Feb 03, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

You contradict yourself. + Scenario A: You say initially the the $18,500.72 represents your after-tax contribution + taxable growth. And that the $1,079 of taxable growth showed up on your line 16-b of your Form 1040 for 2011. So, you did move the taxable growth to your Roth IRA and paid taxes on i...
by madbrain
Sat Feb 03, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

Madbrain - You know what would be really helpful... let's flash back to 2011. Before you started doing all these rollovers/conversions, etc. I believe your 401k balances with Employer 1 looked something like this: + Traditional Pre-Tax 401k: $300k (a combination of your prior pre-tax contributions ...
by madbrain
Sat Feb 03, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

Yes, I know the growth is supposed to be taxed . Will call Fidelity on Monday to find out where the forms are. Turns out it's on Netbenefits.fidelity.com . The regular Fidelity.com shows the 1099s for all other Fidelity account, except the 401k. It is my bad for missing the following wording : (in ...
by madbrain
Sat Feb 03, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 962045

Re: What Movie Have You Recently Watched?

The setting and scenery in the movie was beautiful. No, I was not aware of what the movie was about. With MoviePass, I have not been checking out the details before attending, which I am doing going forward. I just saw it had good ratings and did not read any further. It really doesn't matter to me...
by madbrain
Sat Feb 03, 2018 6:42 am
Forum: Personal Consumer Issues
Topic: Best Movies of 2017
Replies: 35
Views: 2932

Re: Best Movies of 2017

My Top 10 for 2017: 1) Three Billboards 2) LadyBird 3) The Florida Project 4) Call Me By Your Name 5) Dunkirk 6) The Shape of Water 7) Get Out 8) The Post 9) The Big Sick 10) Darkest Hour That's a pretty solid list - I have only seen half of the above so far, but looking forward to seeing the other...
by madbrain
Sat Feb 03, 2018 1:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

willthrill81 wrote:
Sat Feb 03, 2018 1:39 am
Here's a question for all those who have been lamenting about not wanting to invest in stocks "at all time highs."

Now that the market has retreated a little, will you now feel better about buying into it?
My end-of-jan 401k contributions just purchased shares on friday. I feel good about it.
by madbrain
Sat Feb 03, 2018 1:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261884

Re: U.S. stocks in freefall

RRAAYY3 wrote:
Fri Feb 02, 2018 5:00 pm
Brutal; market hasn’t been this low since January 10th, 2018.

How are you guys breaking the news to loved ones?
Did something happen today ? I didn't even think to mention it over dinner. Had lamb and pearl couscous, and a nice bordeaux at home - typical meal for me.
by madbrain
Fri Feb 02, 2018 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

How would you know what the taxable portion ($2) is at the time of withdrawal ? Would the custodian where the Roth IRA is held provide you with a proper 1099-R showing this amount ? Or are you responsible for tracking this yourself ? You are supposed to track it yourself. Or you can just wait until...
by madbrain
Fri Feb 02, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 5984

Re: ID theft and check cashing fraud

Good news, Chase has finally dealt with the bad check and refunded it to the savings. They refunded the bad check fee also. But they didn't refund the monthly fee for not meeting minimum balance - we have to ask about that separately - don't expect any issue. CarMax also gave him satisfaction, ackno...
by madbrain
Fri Feb 02, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage and other cash plays
Replies: 15
Views: 1192

Re: Pay off mortgage and other cash plays

I'm in a similar situation number-wise, though much lower income. Have a 30-year mortgage at 3.375% fixed . I am not paying it off. Paying it down at 15-year pace, but not off. Have $308k left on a property worth $1.5 - $2M (hard to say until you actually sell, online estimates in my neighborhood ar...
by madbrain
Fri Feb 02, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal
Replies: 30
Views: 1636

Re: After-tax 401k --> Mega Backdoor Roth IRA --> Early Withdrawal

There is no tax or penalty for distributing the 2368, regardless of when it is distributed. The 10% penalty only applies to the taxable portion of a Roth rollover. 2368 was the non taxable portion of the rollover. How would you know what the taxable portion ($2) is at the time of withdrawal ? Would...
by madbrain
Wed Jan 31, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3343
Views: 962045

Re: What Movie Have You Recently Watched?

I saw part of "Call Me by Your Name" tonight. I had to walk out after about an hour. It seemed to be really well done, but I just could not get past a sexual relationship between an adult man and a 17 year old boy, which seemed to be the central story. It received really good reviews and I seem to ...
by madbrain
Mon Jan 29, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: $100k+ Credit Card Spend Per Year: What card offers the best return?
Replies: 44
Views: 4568

Re: $100k+ Credit Card Spend Per Year: What card offers the best return?

Negotiate with your contractor to get a cash/check discount vs using credit. You can probably get at least 2% off and possibly more. If you get 3% off, it's probably a good deal. Otherwise, for $100k spending, you can probably get 25 - 40 new cards with juicy signup bonuses on each. May require that...