Search found 123 matches

by DiMAn0684
Wed Mar 20, 2019 6:19 pm
Forum: Personal Investments
Topic: New 401k with John Hancock
Replies: 5
Views: 499

Re: New 401k with John Hancock

Also, be aware that some 401(k) plans have low fund ERs but then charge you a separate assets under management (AUM) fee on top of the fund expense ratios. Totally missed that :( Other fees add up to almost 1.8% Ouch! Does you employer match your contributions to the 401k? Unfortunately there's no ...
by DiMAn0684
Tue Mar 19, 2019 9:44 pm
Forum: Personal Investments
Topic: New 401k with John Hancock
Replies: 5
Views: 499

Re: New 401k with John Hancock

hoppy08520 wrote:
Sat Mar 16, 2019 10:26 am
Also, be aware that some 401(k) plans have low fund ERs but then charge you a separate assets under management (AUM) fee on top of the fund expense ratios.
Totally missed that :( Other fees add up to almost 1.8%
by DiMAn0684
Sat Mar 16, 2019 8:02 am
Forum: Personal Investments
Topic: New 401k with John Hancock
Replies: 5
Views: 499

New 401k with John Hancock

I will be setting up a new 401k with new employer soon and wanted to get advice on investment options for someone in their mid-30s. Initially, when I learned that that John Hancock was the custodian, my research on this forum led me to believe that I should be expecting fund options with high expens...
by DiMAn0684
Sun Mar 03, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: SIL needs help. Car totaled, still owes $10k. Any way out?
Replies: 70
Views: 5169

Re: SIL needs help. Car totaled, still owes $10k. Any way out?

Does she have anything of value she can sell? I don't think she has any assets other than a 401k that she already has a loan out on. She had spent all her $s on a custody battle for her ex-boyfriend's kids. They are no longer together. He got his kids back, but she is financially ruined. If she has...
by DiMAn0684
Sun Mar 03, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: SIL needs help. Car totaled, still owes $10k. Any way out?
Replies: 70
Views: 5169

Re: SIL needs help. Car totaled, still owes $10k. Any way out?

I don't know if her credit is now decent enough to obtain a credit card, but I'd try to get a card with a promo APR and transfer a balance of the loan to that card....heck, after the promo APR expires there's a chance that the rate on the card is going to be better than 27%.
by DiMAn0684
Mon Jan 21, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6758

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I feel like the consensus here is that people are willing to pay thousands (or reasonable amount wrt their income / net worth) to go see an event they're passionate about, be it a sporting event, a show or a concert.
by DiMAn0684
Sun Jan 20, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6758

Re: Paying thousands per ticket to attend the NFL Super Bowl?

I am not that big of a football fan, although leaving in Boston since 2001 it's hard not to root for the Patriots, but this summer I had an opportunity to get a few tickets for decent seats at the 2018 World Cup final in Moscow (at face value ~$750/per ticket), and went for it. It was an epic experi...
by DiMAn0684
Fri Jan 18, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card for International Travel
Replies: 51
Views: 3349

Re: Best Credit Card for International Travel

Here's a nice card that has no AF and good perks:
https://www.penfed.org/credit-cards/pat ... an-express

One downside is that it is AMEX, which is not as widely accepted as Visa / MC.
by DiMAn0684
Mon Jan 14, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: PNC 2.35% online savings
Replies: 13
Views: 1868

Re: PNC 2.35% online savings

I initially opened PNC account to get the $300 sign up bonus, but decided to keep it around after seeing that the savings rate was competitive. My account currently earns 2.4%, extra 0.05% come from meeting a requirement of making 6 debit card transactions each month, which have been automated throu...
by DiMAn0684
Tue Dec 18, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20235

Re: Favorite Purchase of 2018?

New (to me) car. My 2000 Accord is started having issues, and driving it began to stress me out. Replaced with '16.5 Mazda CX-5, enjoying the new ride.
by DiMAn0684
Tue Dec 18, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 5934

Re: How much do you pay for cable/internet/cellphone

VZ FIOS 100 / 100 - $40/mo
2 T-mobile lines (via Teltik) - $47/mo
Amazon Prime - $5/mo
OTA Antenna - Free basic channels
Netflix - Free (Thx T-Mobile)
by DiMAn0684
Tue Dec 18, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Small Claims - Auto Dealer Claims No $$ To Pay Judgement
Replies: 40
Views: 3082

Re: Small Claims - Auto Dealer Claims No $$ To Pay Judgement

I am with AC, it's really up to the dealer to figure out how to re-pay you.
by DiMAn0684
Fri Nov 09, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2699

Re: Chase points - what's the point of buying gift cards

I would not use Chase Ultimate Reward Points at 1 cent per point. That is just not a good deal. For example, I recently used Chase UR points by transfer to Hyatt at a CB value of over 10% for a trip DW and I are taking next week (30,000 points generated by charging $10,000 to CSR card fully paid fo...
by DiMAn0684
Fri Nov 09, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2699

Re: Chase points - what's the point of buying gift cards

I am planning to buy Iphone 8 as a gift to myself. (My iphone 6 is breaking down unfortunately) I am wondering if there is any benefit to buying an iphone directly through chase ultimate rewards? I have around 60000 points worth $600. I can either directly buy from apple through chase (where 100 po...
by DiMAn0684
Tue Nov 06, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying a used car
Replies: 31
Views: 1957

Re: Buying a used car

I have recently purchased a 2016.5 Mazda CX-5 with 30k miles that came off a 2 yr commercial lease (it was non-CPO because of the way I got it, but it still had 12 month / 6k miles of the original warranty left). Based on the window sticker I found in the glove box and the research I've done looking...
by DiMAn0684
Mon Nov 05, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 11342

Re: African Safari: Worth it or Hype?

I have done a 7 day safari in Kenya with two more friends in 2015 and this was perhaps the most epic trip of my life so far. With that said, the prices people throwing around seem ridiculous to me. A colleague of mine did a two week trip to South Africa with a small group of friends this summer, and...
by DiMAn0684
Sun Nov 04, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 48
Views: 3594

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

Why not open a card that gives you $500-$600 instead of one for $100? You could get your tires for almost free that way. That's pretty much it. I buy all my tires from DTD during the sales, and every time I see the extra rebates I wonder if I should get the card, but then I think of the math involv...
by DiMAn0684
Sun Nov 04, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 48
Views: 3594

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

Why not open a card that gives you $500-$600 instead of one for $100? You could get your tires for almost free that way. That's pretty much it. I buy all my tires from DTD during the sales, and every time I see the extra rebates I wonder if I should get the card, but then I think of the math involv...
by DiMAn0684
Wed Oct 24, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 4043

Re: Car lease is up: buy it or get a new lease?

Leasing is usually wasting money for the leasee but you can certainly afford the convenience cost of having a leased auto. It's not the most efficient way of having a car, but I'd not call it a waste. Financially, buying that Civic and driving it for a few more years would probably make the most se...
by DiMAn0684
Wed Oct 24, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 4043

Re: Car lease is up: buy it or get a new lease?

ClaycordJCA wrote:
Tue Oct 23, 2018 11:16 pm
Don’t the lease terms require dealer servicing of the vehicle? If so, independent mechanic for service is not an option.
Don't think so, looked at a bunch of 2-3 yr old lease returns when I was car shopping, and most didn't show dealer maintenance on CarFax reports.
by DiMAn0684
Mon Oct 22, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2 rental car reservations?
Replies: 23
Views: 1455

Re: 2 rental car reservations?

I am not a fan of that approach, and try to cancel all but one booking I have before my trip starts, but I know people that come to the rental places with multiple bookings and pick one with shortest line. I've also heard of people arriving to pick up their cars and being told that the company was o...
by DiMAn0684
Sun Oct 14, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finding used car prices - 2017 Mazda3 5-door
Replies: 6
Views: 424

Re: Finding used car prices - 2017 Mazda3 5-door

Car forums maybe? Unlike Toyota and Honda, Mazda does not sell too many cars and the forums are smaller with less on used car pricing. Thanks. I have recently purchased a 2016.5 CX-5 and forums / reddit were pretty helpful with figuring out prices people pay for similar vehicles. Perhaps the best t...
by DiMAn0684
Sun Oct 14, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3314

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I'd drive a Volvo rather then spend $400+ on rental. With that said, I did rent a car for weekend trip a few weeks ago. I had less than reliable personal vehicle then, and found lots of rentals available Fri-Sun for under a $100. Ended up booking a compact, and getting upgraded to Nissan Rogue, for ...
by DiMAn0684
Mon Oct 01, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 1016

Re: Lifetime alignment services

Found an old thread on the same subject:

viewtopic.php?t=224010
by DiMAn0684
Mon Oct 01, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 1016

Re: Lifetime alignment services

I also live in an area where alignment is almost mandatory if you want to have even wear on your tires. However, I found a few problems with prepaid alignment arrangement or any other prepaid contracts: (1). The company may close shops and you lose all the unused prepayment. In fact, we just had a ...
by DiMAn0684
Mon Oct 01, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 1016

Re: Lifetime alignment services

Not often, mostly because I didn't feel like paying $100 for an alignment every time...with a plan I'd do it once a year.
by DiMAn0684
Mon Oct 01, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 1016

Lifetime alignment services

I have recently purchased a new to me 2016 Mazda CX-5, which I intend to keep for a while. Living in MA, there're plenty of potholes here every spring and I've been thinking if it was worth getting a lifetime alignment plan. I did previously get a 1 yr plan for my old vehicle at NTB and second align...
by DiMAn0684
Thu Sep 20, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

What I'm thinking is maybe apply for the CSP and use that for the first year, then *maybe* product change it into a CSR the second year. Reasons: First year annual fee is waived on the CSP ($0 vs. $450), the sign-up bonus is the same (50K UR) and as I mentioned earlier, my "Player 2" already has a ...
by DiMAn0684
Thu Sep 20, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

What I'm thinking is maybe apply for the CSP and use that for the first year, then *maybe* product change it into a CSR the second year. Reasons: First year annual fee is waived on the CSP ($0 vs. $450), the sign-up bonus is the same (50K UR) and as I mentioned earlier, my "Player 2" already has a ...
by DiMAn0684
Thu Sep 20, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

I'm waffling on which card I should get next. Overall goal is to build up airline points for future travel. Future destinations include Asia and Europe; can't be more specific at this time. At present I have a Chase Southwest RR VISA acquired last year as part of their California resident Companion...
by DiMAn0684
Mon Sep 17, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

I am thinking of canceling my Chase Sapphire Preferred (CSP) card, because I have two other cards that perform CSP's functions: - Chase Ink Preferred has 3x on travel expenses - Chase Ink Cash has 2x on restaurants Chase Ink Preferred allows me to: - book on the Chase portal at 1.25 redemption rate...
by DiMAn0684
Wed Sep 05, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying car - help with closing the deal
Replies: 22
Views: 2618

Re: Buying car - help with closing the deal

I brand new corolla is like $18K so not sure paying $14K for a used one with 45K miles makes sense. We bought a certified pre-owned Mazda CX-9 with 36K miles on it for $16K and new they are $40K, so we paid less than half of new for having 36K miles on it..... Curious how old that CX-9 was. 2013 36...
by DiMAn0684
Wed Sep 05, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying car - help with closing the deal
Replies: 22
Views: 2618

Re: Buying car - help with closing the deal

Thegame14 wrote:
Wed Sep 05, 2018 11:34 am
I brand new corolla is like $18K so not sure paying $14K for a used one with 45K miles makes sense. We bought a certified pre-owned Mazda CX-9 with 36K miles on it for $16K and new they are $40K, so we paid less than half of new for having 36K miles on it.....
Curious how old that CX-9 was.
by DiMAn0684
Fri Aug 17, 2018 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Buying car - help with closing the deal
Replies: 22
Views: 2618

Re: Buying car - help with closing the deal

This is a bit OT, but I am also in the market for a used car roughly the same age, and the price seems a bit steep. I know it's a Toyota and the demand is high, but if a new one can be purchased for ~$4k more, wouldn't it make sense to go for that instead?
by DiMAn0684
Fri Aug 10, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Saving for a downpayment on a house. Help?!
Replies: 15
Views: 1258

Re: Saving for a downpayment on a house. Help?!

There's an occasional short term CD deal with better rates, seen 2.75-3% for 13 month this year, but outside of that ~2% savings account is just fine.
by DiMAn0684
Thu Aug 02, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lease/ buy a second car for cost savings?
Replies: 18
Views: 796

Re: Lease/ buy a second car for cost savings?

I have not done the analysis myself, but I often hear that Prius is still more expensive than a non-hybrid econobox due to higher initial cost and more complex drivetrain that needs to be maintained.
by DiMAn0684
Thu Aug 02, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying income restricted housing
Replies: 2
Views: 417

Thoughts on buying income restricted housing

Hello, My brother had graduated college a couple years ago and has been working in the Boston area since then. A family friend recently mentioned that my brother could qualify to buy an income restricted apartment and shared some links to actual listings. I can tell that the prices are noticeable be...
by DiMAn0684
Fri Jun 08, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

Want to see what you guys think: Currently have the following cards: CSP, CFU, USAA (2.5%), Amex BCP. I want to simplify down to two cards. Would you stick with CSP/CFU or go with USAA/Amex? We typically buy flights on Southwest as we fly on AA for free (family member is corporate exec). Really jus...
by DiMAn0684
Fri Jun 08, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2523

Re: Penfed CD @ 3% - 5 year

I wouldn't do this, too long of a term for 3% today. I occasionally see 2.5-2.75% for 12-18 mos, would rather go for that.
by DiMAn0684
Wed Jun 06, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

Want to see what you guys think: Currently have the following cards: CSP, CFU, USAA (2.5%), Amex BCP. I want to simplify down to two cards. Would you stick with CSP/CFU or go with USAA/Amex? We typically buy flights on Southwest as we fly on AA for free (family member is corporate exec). Really jus...
by DiMAn0684
Mon May 21, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

I have had a little over 100K marriot points for several years now and find it very difficult to use them. Most hotels we would want to stay in are category 8 or 9 requiring 40K to 45K points per night. So we can get only two nights. What's wrong with getting two 'free' nights at, what appears to b...
by DiMAn0684
Sun May 20, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 7386

Re: What’s your phone/internet bill?

$40/mo for Verizon FIOS (100Mb /100Mb) $47/mo for two lines on a (larger) T-Mo business plan. I also help my other fam members save money on their cell phones, and generally end up going with discounted RedPocket 1 yr plans vis Ebay. One person is on a plan with 5 GB of data monthly (paid ~$205 for ...
by DiMAn0684
Fri May 18, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

Question-2 : Should I convert CSP into Freedom Unlimited? - Most bloggers recommend it, but I am wondering why should not I apply for FU later and get another bonus? Conversion is recommended to get 1.5x UR on all non-bonus purchases, while not burning 5/24 slots. Outside of the recent 3x URs on ev...
by DiMAn0684
Tue Apr 10, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

I am hitting the Citi AA credit cards pretty hard. Wife and have each opened four in the past 5 months - 2 personal and 2 business each. We will have about 500,000 miles combined. Citi seems to be the last issuer that allows the old style churning, but you have to use the 9 digit mailers in order t...
by DiMAn0684
Tue Mar 06, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: For the credit card savvy--help me decide how to handle this!
Replies: 7
Views: 1566

Re: For the credit card savvy--help me decide how to handle this!

Just a thought: if the expenses you will put on the CSR are Travel/Dining, and you plan to redeem the points on travel, you effectively have a 4.5% return. This would outweigh the 3% balance transfer fee. If you are savvy/flexible enough, you might be able to transfer the points to an airline partn...
by DiMAn0684
Tue Feb 06, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: [New MA & VT Tax reporting]- 1099-K threshold reduced to $600
Replies: 105
Views: 8442

Re: [New MA & VT Tax reporting]- 1099-K threshold reduced to $600

OK, I think I found the answer. From the IRS website: https://www.irs.gov/payments/general-faqs-on-new-payment-card-reporting-requirements I received Form 1099-K. How do I report it on my tax return? Separate reporting of these transactions is not required. However, you should follow the return ins...
by DiMAn0684
Wed Oct 25, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

student wrote:
Wed Oct 25, 2017 9:51 pm
A new card for those who use Uber.

https://www.doctorofcredit.com/uber-cre ... nnual-fee/
It does not have much to do with Uber outside of branding. Redemption options are at the same rate for Uber as for other things.
by DiMAn0684
Fri Oct 20, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3698
Views: 684663

Re: What's Your Credit Card Rewards Strategy?

^^^
BA, Hyatt, IHG and Ritz are not under 5/24.