Search found 218 matches

by C4NT
Fri Nov 30, 2018 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Saving Passwords w/Google & Online Fraud Protection
Replies: 8
Views: 1198

Re: Saving Passwords w/Google & Online Fraud Protection

I can't imagine storing passwords in Google or anywhere else for that matter. The only place my passwords are stored is in my password manager. Yup. I don't keep any passwords in the browser password store. Only in 1Password. Is there a difference in terms of liability if either had a security issue?
by C4NT
Thu Nov 29, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Saving Passwords w/Google & Online Fraud Protection
Replies: 8
Views: 1198

Saving Passwords w/Google & Online Fraud Protection

I've seen it posted here before that some users do not think it is a good idea to use mint.com because when you provide them with your username and password you may violate the terms of service with your financial institution (you are not allowed to share this information with anyone else). This vio...
by C4NT
Mon Nov 12, 2018 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1633

Re: Would you invest CC cashback into market??

So I have 6K sitting in my credit card cashback.. I was hoarding it to use it on gift cards which come at 20% discount. What would you guys do with it?? Should I put it in the market ??? If you can get gift cards at 20 % off that you would normally use any way, that is a good deal. If you are tryin...
by C4NT
Sat Nov 10, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Doing taxes by hand
Replies: 83
Views: 5277

Re: Doing taxes by hand

If you're looking for a cheaper tax software alternative, credt karma offered free tax prep last year.

My capital one card gave me free tax prep through HR Block.
by C4NT
Sat Nov 03, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 1119

Re: IT Help Needed: Best Way to Backup a Phone?

I know you said you were worried about privacy issues, but I just save all my contacts to my google account. I've switched phones and reset phones several times over the past few years, and I never have to worry about my contacts.
by C4NT
Sat Nov 03, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Do You Backup Your Phone Locally? How?
Replies: 17
Views: 1119

Re: IT Help Needed: Best Way to Backup a Phone?

What exactly do you want to back up?

The only files I want a copy of are my pictures. For that, you can just drag and drop the files onto a computer.
by C4NT
Thu Oct 11, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: tablet or small laptop for general and travel computer?
Replies: 41
Views: 2421

Re: tablet or small laptop for general and travel computer?

Check out Lenovo Miix tablet/laptops. I think they are designed to compete with the MS Surface, but are a little cheaper.
by C4NT
Sat Aug 18, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Where to stay in St. Augustine?
Replies: 8
Views: 1107

Re: Where to stay in St. Augustine?

Check out Treetop Cottage, Lighthouse Park, St. Augustine on AirBNB. A friend of ours stayed there and highly recommended it. Not sure how far it is from the Amphitheater. We reserved for late November so we can see the Christmas lights in St. Augustine. Thanks for the recommendation. I checked out...
by C4NT
Sat Aug 18, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Where to stay in St. Augustine?
Replies: 8
Views: 1107

Where to stay in St. Augustine?

Hi all, I'm looking for some leads on where to stay in St. Augustine. My wife and are staying there for a weekend in the fall. I'm looking for something reasonably priced, but worth staying at...as we don't get away by ourselves very often. If it is within walking distance of places would be nice, b...
by C4NT
Sun Jul 29, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 11068

Re: Toughest Purchase of my Life. Engagement Ring time

Deleted.

OP already purchased ring.
by C4NT
Sun Jul 29, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Road trip Des Moines to Omaha to Kansas City
Replies: 39
Views: 2467

Re: Road trip Des Moines to Omaha to Kansas City

I highly recommend at least one night in downtown Des Moines...best smaller big city I've ever been to (also lived there for a few years).
by C4NT
Sun Jul 29, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best budgeting tool? YNAB or something new?
Replies: 2
Views: 576

Re: Best budgeting tool? YNAB or something new?

I like mint.com and the corresponding app better. It is free too.
by C4NT
Mon Jul 16, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10806

Amazon Prime Day 2018

I thought I would start the Amazon Prime Day thread for 2018. If officially starts today, 7/16, at 3PM and goes through tomorrow. Remember, if you shop through the link below money is raised for the John C Bogle Center For Financial Literacy. https://smile.amazon.com/b?ie=UTF8&node=13887280011&tag=b...
by C4NT
Sat Jul 14, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1287

Re: Online Savings Account w/o thawing CR

Try SPRXX. Current 7-day yield is 1.85%. Thanks, I should be looking at the 7-day yields, shouldn't I. Although the more I look at MM funds, I see they often have pretty high expense ratios. SPRXX has an ER of 0.42%. Wouldn't that subtract from the yield, ultimately making it a lot lower than a hig...
by C4NT
Sat Jul 14, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1287

Re: Online Savings Account w/o thawing CR

Delete repeated post.
by C4NT
Sat Jul 14, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1287

Re: Online Savings Account w/o thawing CR

telemark wrote:
Sat Jul 14, 2018 11:02 am
American Express Personal Savings. No credit check and they were at 1.75% before Ally was.

Actually, I think Ally is pretty much alone in requiring a credit check for a savings account.
Thanks, I almost went with them over Ally.
by C4NT
Sat Jul 14, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1287

Re: Online Savings Account w/o thawing CR

Try SPRXX. Current 7-day yield is 1.85%. Thanks, I should be looking at the 7-day yields, shouldn't I. Although the more I look at MM funds, I see they often have pretty high expense ratios. SPRXX has an ER of 0.42%. Wouldn't that subtract from the yield, ultimately making it a lot lower than a hig...
by C4NT
Fri Jul 13, 2018 6:30 pm
Forum: Personal Investments
Topic: Project - Where to park cashback rewards to accumulate and grow?
Replies: 13
Views: 1169

Re: Project - Where to park cashback rewards to accumulate and grow?

Please reassure us that you're paying off your entire credit card balance each month. A cashback total of $4266 over five years (assuming average 2% rebate) equates to $42,660 of credit card spending per year. That's quite a lot, and $10,000 higher than most PhD-candidate annual stipends. I track m...
by C4NT
Fri Jul 13, 2018 6:27 pm
Forum: Personal Investments
Topic: Project - Where to park cashback rewards to accumulate and grow?
Replies: 13
Views: 1169

Re: Project - Where to park cashback rewards to accumulate and grow?

This is silly, but I love it.

If you want to go for the long haul, I would open a taxable account or a separate IRA and fund it with this money. When you retire, blow it on an awesome vacation or new car or both!
by C4NT
Fri Jul 13, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1287

Online Savings Account w/o thawing CR

I just tried to open a savings account with Ally.com. They need my wife and I to thaw our TransUnion credit reports. In addition to the $10/person fee, it will also require my wife and I to call TransUnion because we haven't been able to thaw or even receive a credit report online from TransUnion in...
by C4NT
Thu Jul 12, 2018 6:02 pm
Forum: Personal Investments
Topic: Eesh! 100% Company Stock - Help me with my 401k!
Replies: 19
Views: 1697

Re: Eesh! 100% Company Stock - Help me with my 401k!

I would NOT transfer (or rebalance) any of your company stock in your 401k until you read up on Net Unrealized Appreciation (NUA) and find out whether or not it could eventually apply to you and work in your favor to use that. If your company stock has been held a long time and appreciated a lot, t...
by C4NT
Thu Jul 12, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21161

Re: COMING SOON: BOGLEHEADS PODCASTS

AtomicCash wrote:
Thu Jul 12, 2018 10:56 am

"Better Investing with Bogleheads"

Marc
I like that one.
by C4NT
Thu Jul 12, 2018 11:00 am
Forum: Personal Investments
Topic: Eesh! 100% Company Stock - Help me with my 401k!
Replies: 19
Views: 1697

Re: Eesh! 100% Company Stock - Help me with my 401k!

I would NOT transfer (or rebalance) any of your company stock in your 401k until you read up on Net Unrealized Appreciation (NUA) and find out whether or not it could eventually apply to you and work in your favor to use that. If your company stock has been held a long time and appreciated a lot, t...
by C4NT
Mon Jul 02, 2018 2:16 pm
Forum: Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2330

Re: Husband's job finally has a 401k offering with unusual funds

JustinR wrote:
Mon Jul 02, 2018 5:30 am
I'd do "Nationwide S&P 500 Index Fund - Class R 0.77%" since it's the cheapest. Easy choice.
That is what I would do as well, only after maxing out your IRAs. If you want bonds or international in your asset allocation, you can put them in a traditional IRA or Roth IRA.
by C4NT
Sat Jun 30, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 6615

Re: Dave Ramsey against index funds?

Sometimes i listen to Dave Ramsey and i think he has done alot of good by motivating people to get out of debt. It is hard for me to believe that a person can build an empire by just simply telling people to spend less than they earn. What a concept, why did i not think of that? With that being sai...
by C4NT
Sun Jun 10, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2617

Re: Renter's Insurance for College Dorm

I wouldn't submit a claim on my homeowner's insurance. The claim, which would be small(ish), would go on your CLUE report. This could affect your rates and your ability to shop for insurance with another provider.

If you need insurance, I would go with a separate company.
by C4NT
Sun May 27, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3424

Re: Cheapest ways to watch NBA playoffs

If you want to stream any sports games, like livesoft's son, an easy place to start is Reddit. Google "Reddit stream NBA", and you will get there. Hook your PC up to the TV and you are good to go. It is not above board though.
by C4NT
Fri May 11, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: The game of 'whack-a-mole' continues (Credit Freezes)
Replies: 6
Views: 2053

Re: The game of 'whack-a-mole' continues (Credit Freezes)

Good post. Can we freeze our credit there too?
by C4NT
Tue May 08, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Last Car Loan Payment Question
Replies: 6
Views: 671

Re: Last Car Loan Payment Question

whodidntante wrote:
Tue May 08, 2018 5:32 pm
Cash out refi. :happy
No we're talking... :moneybag
by C4NT
Tue May 08, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Last Car Loan Payment Question
Replies: 6
Views: 671

Re: Last Car Loan Payment Question

Thanks, I will call. I knew in the back of my mind that is what I should do, but I hate calling 800 numbers.
by C4NT
Tue May 08, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Last Car Loan Payment Question
Replies: 6
Views: 671

Last Car Loan Payment Question

I've paid down my car loan to the point that the next payment will be the last one( :sharebeer ), but since I've paid extra on the loan previously the balance is not a full payment. Will there be an issue with paying off the loan? Should I....? (1) Let the last payment proceed. (2) Call the bank to ...
by C4NT
Mon Apr 30, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Retiring
Replies: 9
Views: 1457

Re: Can I afford it: Retiring

I figure my budget for the 10 years until wife will be 65 for Medicare is $86K per year, ... Do you have social security or a pension to support some of this amount? I didn't see any mention of these possible sources of income in your post. My thought was not to get bogged down in details of income...
by C4NT
Mon Apr 30, 2018 10:10 am
Forum: Personal Investments
Topic: Emergency fund in taxable w/ low marginal tax rate
Replies: 16
Views: 854

Re: Emergency fund in taxable w/ low marginal tax rate

Would it make sense for me to keep at least a portion of my emergency fund in taxable, or am I missing something? In your entire post, you haven't even considered how volatility would effect the size of your emergency fund and how that would affect your ability to meet your needs in an emergency. I...
by C4NT
Mon Apr 30, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Retiring
Replies: 9
Views: 1457

Re: Can I afford it: Retiring

JohnFiscal wrote:
Mon Apr 30, 2018 9:44 am
I figure my budget for the 10 years until wife will be 65 for Medicare is $86K per year, ...
Do you have social security or a pension to support some of this amount? I didn't see any mention of these possible sources of income in your post.
by C4NT
Wed Apr 25, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card that offers high limit for no fee balance tranfers
Replies: 16
Views: 1212

Re: Credit card that offers high limit for no fee balance tranfers

Have you checked out Nerd Wallet or Magnify Money?

You can search and filter for offers like the one you are looking for.
by C4NT
Thu Apr 12, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Best Buy, $3k TV, should I buy warranty?
Replies: 24
Views: 2383

Re: Best Buy, $3k TV, should I buy warranty?

I like Clark Howard's advice on product warranties...I'll paraphrase..."if you have to buy a warranty for a TV because you can't afford to replace the TV ...you can't afford the TV"
by C4NT
Thu Apr 12, 2018 1:00 pm
Forum: Personal Investments
Topic: 29 YO With a big windfall. Invest or Pay off the mortgage?
Replies: 17
Views: 2890

Re: 29 YO With a big windfall. Invest or Pay off the mortgage?

How about 50% 50% ? If the cost of re-casting is low ($200?) I would go for that but would keep paying at the same rate if possible. Plus - how about taking 10% to live a little ? (so, 45% toward the mortgage, 45% for taxable equities, 10% to live a little) :happy Best wishes, :) 4803. +1 My vote a...
by C4NT
Mon Apr 09, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 151
Views: 12606

Re: Cash flow problems - best way to handle?

2) get a zero interest credit card, and hope I can pay it back by the time zero interest time period expires. I had a cash flow problem a few years ago, I went with a CC with 18 months zero interest. I paid it off in less than a year. It was a stressful time. Now have an emergency fund. Good luck.
by C4NT
Wed Apr 04, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2505
Views: 1585039

Re: The Three-Fund Portfolio

Hello Taylor, Thanks for posting this. I'm glad to see there is a "rebalancing bonus" for the three-fund portfolio. C4NT Bogleheads: Allan Roth, CPA, CFP, has completed a 17-year study about the effects of rebalancing The Three-Fund Portfolio. He found that rebalancing, not only maintained the desir...
by C4NT
Wed Apr 04, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 8118

Re: Want/need some income in semi-retirement

Any Masters or Ph.D.s in the house? You could teach part-time at your local community college or commuter 4-year.

Edited to add, you can also find teaching jobs without advanced degrees at that level if you have technical experience, e.g., IT certifications, aviation repair, etc.
by C4NT
Fri Mar 30, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 10879

Re: Resign from job or possible termination

I personally would not jump unless you received a good offer somewhere else.

Who knows you might not lose your current job. But, since it sounds like you are not happy I would double my efforts of finding a new gig.

Good luck.
by C4NT
Thu Mar 01, 2018 4:00 pm
Forum: Personal Investments
Topic: Beginner @ 46, so much to learn.
Replies: 25
Views: 4344

Re: Beginner @ 46, so much to learn.

I don't have much advice to offer, but I'd like to say welcome to the forum. You've come to the right place to learn. When I first got here I read the wiki, and eventually bought the Boglehead's Guide to Investing. I like Fidelity a lot (I have my 403(b) with them), and they generally come in a clos...
by C4NT
Wed Feb 28, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Does the JOBS act make being a landlord obsolete?
Replies: 12
Views: 2321

Re: Does the JOBS act make being a landlord obsolete?

Forgot to add this..
doc01 wrote:
Wed Feb 28, 2018 2:59 pm
don't seem to be worth the minimal profit difference from the crowdfunded real estate sites.
What are you basing this statement on?
by C4NT
Wed Feb 28, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Does the JOBS act make being a landlord obsolete?
Replies: 12
Views: 2321

Re: Does the JOBS act make being a landlord obsolete?

Or, you could also purchase the $200,000 house and hire a management company to manage the property. Or, you could invest in REITs. Which one would you make more money on? I don't know. But if you include being an active landlord back in the mix, I would bet being a landlord would make you the most ...
by C4NT
Wed Feb 21, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 5635

Re: How am I really doing for retirement savings?

I probably won't be much help, but I think you are doing great. I'm in a very similar situation to you, but I think you are doing better than me in the retirement game. I'm 37 with two young kids and also experience a tight budget. You've saved more than us, so congrats. I also don't know when I wan...
by C4NT
Tue Feb 20, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: How Warren Buffett Won His Multi-Million Dollar Long Bet
Replies: 27
Views: 4207

Re: How Warren Buffett Won His Multi-Million Dollar Long Bet

Some people never learn though.

From the article:
"Seides, meanwhile, thinks Buffett just got lucky, and that the S&P’s performance over the previous decade “vastly overperformed” his expectations."
by C4NT
Sat Feb 10, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5697

Re: Who has had a pool?

Live in South Florida with young kids. We love our pool. I am going to install a heater next fall so we can use it year round.

If I didn't have kids I don't think I would want one though. The only times I go in is when the kids are in it.
by C4NT
Sat Jan 27, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Diary of a Bear Market
Replies: 24
Views: 3481

Re: Diary of a Bear Market

JCE66 wrote:
Sat Jan 27, 2018 7:11 am
Is this a thread on this board? Could you provide a link?
- Yes, that is the one. Absolutely riveting.
Yes, I've already read half of the thread.
by C4NT
Fri Jan 26, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Diary of a Bear Market
Replies: 24
Views: 3481

Re: Diary of a Bear Market

JCE66 wrote:
Fri Jan 26, 2018 7:41 am
The 'Sheepdog' thread is very instructive for a diary of 08-09, and the behavioral aspects of what people were going through (myself included).
Is this a thread on this board? Could you provide a link?

Edit -

I think this is the one - viewtopic.php?t=25126
by C4NT
Tue Dec 26, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Where to buy Christmas CDs and decor after Christmas?
Replies: 14
Views: 1677

Re: Where to buy Christmas CDs and decor after Christmas?

It was already slim pickings at my local Lowe's as of 12/22. I wanted to pick up another inflatable lawn decoration after the holidays because they are so expensive. I stopped in on the the 22nd for something else, and they were already 30% off but there wasn't much left.