Search found 246 matches

by C4NT
Wed Apr 14, 2021 11:55 am
Forum: Personal Investments
Topic: Which would you do with a small windfall? Pay remaining mortgage or 3-fund it?
Replies: 48
Views: 4023

Re: Which would you do with a small windfall? Pay remaining mortgage or 3-fund it?

I am surprised that so many comments are stating to pay it off. That is what I would do too. I can't wait to pay off my mortgage.
by C4NT
Wed Apr 14, 2021 11:41 am
Forum: Personal Finance (Not Investing)
Topic: How foolish is this? [Buying waterfront apartment in Florida]
Replies: 68
Views: 6479

Re: How foolish is this?

I live in South Florida, and the fact that it is concrete block and has hurricane shutters is about as good as it gets. You could install impact windows to add some extra protection if you like. While it is pure speculation on my part, I do not think that Florida is in a housing bubble. Or, if it is...
by C4NT
Tue Feb 02, 2021 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Periodic financial checkup: Do we have too much cash?
Replies: 25
Views: 2027

Re: Periodic financial checkup: Do we have too much cash?

Just a periodic financial checkup question. Is holding $64K in cash is too much? Given that: - Annual expense varies. In 2020, was less than $50K IMO, how much cash to have on-hand is driven by your emergency fund needs. So the fact that I could one day need to pay for a home down payment shouldn't...
by C4NT
Tue Feb 02, 2021 1:24 pm
Forum: Personal Investments
Topic: Your mental "tricks" to avoid doing dumb things?
Replies: 73
Views: 5269

Re: Your mental "tricks" to avoid doing dumb things?

I'm not sure if this is a trick, but we don't have any extra money to do anything dumb with.

We invest in retirement accounts.

Leftovers go for saving for:

(1) Renovations that we want to do in ~1 year
(2) newer car we will need in ~2-3 years

Maybe I'll get to do something dumb in few years
by C4NT
Wed Jan 13, 2021 11:57 am
Forum: Investing - Theory, News & General
Topic: Economy sluggish? I don't understand
Replies: 95
Views: 7747

Re: Economy sluggish? I don't understand

Hyperchicken wrote: Wed Jan 13, 2021 11:54 am Stock market is not economy.
+1

The local eatery that just closed down the street was not a publicly traded company.

The dozen or so employees probably didn't have a 401k or much money in the market.

This impacts the local economy, not the stock market.
by C4NT
Thu Dec 17, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Best deal on unlocked mobile phones--just the phone.
Replies: 39
Views: 3051

Re: Best deal on unlocked mobile phones--just the phone.

squirm wrote: Wed Dec 09, 2020 10:49 pm The Moto G series is probably the best value.
+1
by C4NT
Wed Dec 09, 2020 12:30 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

It would be in a card. I'm not going to palm them a $100 bill...there is a pandemic going on. :D
by C4NT
Wed Dec 09, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

we've never given any our kids teacher any money, the thought never even entered my mind... very weird idea. We help out at the schools or have our kids help out after class or write thank you cards. I would say it is very common in our area. All of our friends give either gifts or gift cards. I am...
by C4NT
Wed Dec 09, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

I teach in a public high school, and I have never received anything valued over about $15. I write 5-15 recommendation letters a year and appreciate a small gift, but I value the conversation with the student who drops it off much more than the gift itself. If it's more than say $20 something for m...
by C4NT
Wed Dec 09, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

It's basically bribery, or at the very least the appearance of impropriety. I would say a small gift worth a few bucks would be a better move. -TheDDC I don't think any teacher will see it as an attempt at bribery. My kids are in grades that don't even get letter grades yet. Do they I am trying to ...
by C4NT
Tue Dec 08, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

OP, One year a parent pooled together resources from other parents to give teachers a cash gift. Rather than getting 20 boxes of $10 chocolates this is much better. Perhaps pool together with other parents? We had a home room volunteer do this for the end of the year gift once or twice. There are n...
by C4NT
Tue Dec 08, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

we've never given any our kids teacher any money, the thought never even entered my mind... very weird idea. We help out at the schools or have our kids help out after class or write thank you cards. I would say it is very common in our area. All of our friends give either gifts or gift cards. I am...
by C4NT
Tue Dec 08, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

Side note - I suggested cash instead of a gift card because it would be easier to use, especially if they don't like the retailer we choose (we usually go with Amazon or the major grocery store in our area). On this side tangent, I don't see the point in gift cards. If you're going to give someone ...
by C4NT
Tue Dec 08, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

Re: $100 Cash for Teachers - Issues?

Thanks everyone for your comments. I've got some thinking to do, and I will share your comments with my wife as well. In Massachusetts , public employees cannot accept cash gifts over $50, and must report all gifts. Please check with your local district (assuming this is a public school) to be sure ...
by C4NT
Tue Dec 08, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Warm coat recommendations
Replies: 93
Views: 5132

Re: Warm coat recommendations

I second the LL Bean recommendation. I lived in the Midwest for a while and had some brutal winters. Lots of mornings in the negative temps. I had a three in one parka with gortex that was incredibly warm. I could take out a layer and wear it on the slightly warmer days too.
by C4NT
Tue Dec 08, 2020 12:21 pm
Forum: Personal Consumer Issues
Topic: $100 Cash for Teachers - Issues?
Replies: 92
Views: 5279

$100 Cash for Teachers - Issues?

We usually gift our kid's teachers $25-50 gift cards before winter break each year. This year, I would like to give them more because of the amazing job they are doing with everything that is going on. I suggested $100 cash for each teacher. My wife had some reservations, not that they don't deserve...
by C4NT
Fri Oct 30, 2020 1:51 pm
Forum: Personal Consumer Issues
Topic: What to replace two wine fridges with?
Replies: 20
Views: 1267

Re: What to replace two wine fridges with?

I've got a similar issue. Our kitchen has two ovens, and we never use both at the same time. I've wanted to remove one and put in a pull-out trash/recycling can drawer.

Anybody have a ballpark guess about how much this would cost to have a pro do?
by C4NT
Thu Oct 08, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: How to get roadside assistance without AAA?
Replies: 116
Views: 11950

Re: How to get roadside assistance without AAA?

My auto insurance has roadside assistance. It is terribly inexpensive. +1. I've heard Clark Howard, the radio show host, mention several times that a lot of insurance providers will count the use of this service as an insurance claim. This may cause your future insurance rates to rise, and potentia...
by C4NT
Tue Oct 06, 2020 8:14 am
Forum: Personal Investments
Topic: Should We Ever Save for Children's College?
Replies: 467
Views: 30743

Re: Should We Ever Save for Children's College?

Normchad wrote: Mon Oct 05, 2020 6:05 pm I can’t think of anything more important than taking care of your children. Ensuring they have access to a quality education is part of that.

Yes, you should save for the education. Don’t count on anybody other help.....
+1
by C4NT
Fri Oct 02, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 203
Views: 14902

Re: If you have a pension, how do you view it?

RJC wrote: Fri Oct 02, 2020 8:50 am It allows us to be more aggressive during the accumulation phase (100% equities).
This is about the only way my pension causes me to change my thinking. Although I only go to 90% equities.
by C4NT
Thu Sep 10, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: Why does everyone think the market is over-inflated?
Replies: 112
Views: 8640

Re: Why does everyone think the market is over-inflated?

Do Bogleheads recommend withdrawing from stocks and moving money somewhere else to stay safe? Or will “Stay The Course” prevail? You know the answer to this question. You started a thread in the middle of March, at just about the bottom, asking if you should get out. Did you? If you didn't, then yo...
by C4NT
Tue Jun 23, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute Charge on CC for Return Issue
Replies: 10
Views: 668

Re: Dispute Charge on CC for Return Issue

Call the cc company (like on the phone) and tell them what's going on. You are their customer and they want you to be happy. Sellers not playing by the rules are typically not happy when they get a charge back, which is usually the full amount paid plus $35. Call them on my phone....and actually ha...
by C4NT
Tue Jun 23, 2020 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dispute Charge on CC for Return Issue
Replies: 10
Views: 668

Dispute Charge on CC for Return Issue

I ordered an item from a website that did not fit properly. The link to their return form is not working. I emailed customer service twice about this issue. Can I dispute the charge on my CC for not being able to return the item. Two possible options on my CC's online form would be: 1) Goods / servi...
by C4NT
Tue Jun 16, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - 2020 Benefits Trapped
Replies: 11
Views: 889

Re: Dependent Care FSA - 2020 Benefits Trapped

Hello OP, I was able to invoke life event (Reason: Change in Dependent Care provider Cost) in our HR system and able to stop any further contributions for child care. HR originally was not sure but after escalation, HR confirmed and approved that anyone can change DC-FSA if cost/availability change...
by C4NT
Tue Jun 16, 2020 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Excess Money in Dependent Care Account FSA
Replies: 2
Views: 141

Re: Excess Money in Dependent Care Account FSA

Similar question asked a couple of months ago: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=310631&p=5156909#p5156909 There are likely other threads on this board as well, haven't tried to search extensively... Thanks for this. I did do a search, but didn't find this one. There is s...
by C4NT
Tue Jun 16, 2020 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Excess Money in Dependent Care Account FSA
Replies: 2
Views: 141

Excess Money in Dependent Care Account FSA

Our kid's summer camp was cancelled. We also didn't need to spend money for after care for most of March, April, and May. Who knows if we will need it in the Fall. So, as I was finishing up our 2019 taxes I realized that we probably won't spend the $5000 we allocated into the account. So far, we hav...
by C4NT
Sat Mar 14, 2020 2:49 pm
Forum: Personal Investments
Topic: When are you rebalancing?
Replies: 76
Views: 4776

Re: When are you rebalancing?

I look at my investments once a month (on the 15th). I use a 5% band to make changes. I've done this for years.

I bet I will be making some moves tomorrow.
by C4NT
Tue Aug 20, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 8050

Re: Are there advantages to being married to a teacher?

I teach at a state college, and one small thing that is nice is that we have time off at the same time. For instance around Christmas and New Years we both (kids and I) have a couple of weeks off. My wife who works for a private company usually only has Christmas and New Years Day off, thats it (unl...
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: 1319

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: 1319

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: 1782

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: 82
Views: 5935

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: 1262

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: 1262

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: 2572

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: 1212

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: 1212

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: 229
Views: 18214

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: 2881

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: 719

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: 11489

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&a...
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: 1353

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: 1353

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: 1353

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: 1353

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: 1209

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: 1209

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: 1353

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: 1911

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: 24667

Re: COMING SOON: BOGLEHEADS PODCASTS

AtomicCash wrote: Thu Jul 12, 2018 10:56 am
"Better Investing with Bogleheads"

Marc
I like that one.