Search found 175 matches

by jriding
Tue Jun 23, 2020 11:32 am
Forum: Personal Investments
Topic: Best Comprehensive Investment Software for Investors
Replies: 11
Views: 871

Re: Best Comprehensive Investment Software for Investors

renegade06 wrote:
Mon Jun 22, 2020 7:37 pm
Regarding Personal Capital, others in the forum have advised to go into your personal Capital profile and delete your phone number or put in a different number.... they’ve said that solves the problem of them bugging you on sales calls.
+1. This worked for me.
by jriding
Thu Jun 04, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3136
Views: 543299

Re: What are you up YTD? [Year To Date]

texasdiver wrote:
Thu Jun 04, 2020 11:16 am
I'm curious how you guys are tracking your portfolio performances.
I use Personal Capital, which tells me I am down 1.42% for the year. My portfolio is mostly Target Date Retirement 2030 across a few different low cost brokerages. Aggregate allocation is 65% stock / 35% bond & cash.
by jriding
Wed Apr 22, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9386

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

A family member waited until an American Airlines flight was cancelled. He got an email today asking him to reply to accept a credit. There was no other option. It didn't say what would happen if he didn't accept. My advice was to NOT reply and contest the credit card charge, showing that they canc...
by jriding
Wed Apr 22, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9386

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

This thread has been very helpful and wanted to share my experience: Booked American tickets through Chase Ultimate Rewards Portal to Barcelona for late May using a combination of points and cash American cancelled the itinerary last week. The cancellation note stated that I would receive American c...
by jriding
Tue Apr 14, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29136

Re: just got my $1200 stimulus payment

Did you guys who received the money file for 2019 yet? I am holding my 2019 tax return until I receive the stimulus because my 2019 taxable income was higher than 2018. If it was based on 2019, I wouldn't receive anything. Yes, I'm in the same situation except I already filed for 2019. I'm hoping t...
by jriding
Tue Apr 07, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus check cutoff time
Replies: 14
Views: 1539

Re: Stimulus check cutoff time

There appears to be some debate, Kiplinger says it's still an open question as the law doesn't directly address over-payment so it will be left to the IRS to determine. They also say if they had to guess they don't think the IRS will require a payback, but I don't think you can count on that: https...
by jriding
Tue Mar 10, 2020 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 55
Views: 10858

Re: Alliant 3/2.5% card - any experience?

streetsahead wrote:
Tue Mar 10, 2020 4:30 pm
My understanding is that the $10,000 cap is per statement cycle.
Yes, per the Alliant website:

"Maximum cash back earnings will be $250 ($10,000 in qualifying purchases) per billing cycle."
by jriding
Wed Jan 29, 2020 5:53 pm
Forum: Investing - Theory, News & General
Topic: My Most Hated - and Favorite - IPS Rule
Replies: 24
Views: 3309

Re: My Most Hated - and Favorite - IPS Rule

Thanks, I just added that statement to mine (or I will in 90 days...) My IPS is long because I address my own behavioral tendencies. The section of my IPS that I reviewed today and found helpful is this: When The Markets Go Crazy, Good or Bad: -- When the market is crashing, stay the course. -- Whe...
by jriding
Thu Jan 23, 2020 12:56 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1554
Views: 205570

Re: Post your Financial Milestone Announcements Here

culturedcommenting wrote:
Wed Jan 22, 2020 8:17 pm
Broke a $2m net worth milestone. Significant to me because it means I'm financially independent at my current spending level. Next stop $3m! :sharebeer
Congratulations! I hope you enjoy the work that got you there.
by jriding
Fri Jan 17, 2020 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14460

Re: Realized we made a major mistake and feeling really sick.

Placing $850,000 in Vanguard's 60/40 Balanced Index Fund in 2013 would be worth over $1.6 million at the end of 2019.

Since you are asking "what if" questions, perhaps you should take a hard look at "what is". You may have done better than you think you did.
by jriding
Wed Jan 15, 2020 12:28 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1554
Views: 205570

Re: Post your Financial Milestone Announcements Here

Paid off my mortgage today! Balance was down to $9k due to extra payments we have been making over the past several years (all while maxing tax advantaged accounts). It was a heart over head decision and feels great. Plan to cash flow about 1/2 the kids college with the former principal payments, s...
by jriding
Wed Jan 15, 2020 12:13 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1554
Views: 205570

Re: Post your Financial Milestone Announcements Here

Paid off my mortgage today! Balance was down to $9k due to extra payments we have been making over the past several years (all while maxing tax advantaged accounts). It was a heart over head decision and feels great. Plan to cash flow about 1/2 the kids college with the former principal payments, st...
by jriding
Tue Jan 14, 2020 10:00 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital / Investment Tools
Replies: 29
Views: 2093

Re: Personal Capital / Investment Tools

I have avoided PC sales calls by removing my phone number from my account profile.
Agree with other posters that the aggregated asset allocation is very useful.
by jriding
Tue Jan 14, 2020 7:01 pm
Forum: Personal Investments
Topic: Roth 401K Question
Replies: 32
Views: 2592

Re: Roth 401K Question

at most I will get the 200 dollar credit and no earned income credit, and that is if I put a lot of money to get low enough for the savers tax credit which is hard at my level. Keep in mind that apart from non-portfolio income sources like SS benefits or a pension, it takes over $2.5 million of tax...
by jriding
Tue Jan 14, 2020 6:10 pm
Forum: Personal Investments
Topic: Roth 401K Question
Replies: 32
Views: 2592

Re: Roth 401K Question

at most I will get the 200 dollar credit and no earned income credit, and that is if I put a lot of money to get low enough for the savers tax credit which is hard at my level. Keep in mind that apart from non-portfolio income sources like SS benefits or a pension, it takes over $2.5 million of tax...
by jriding
Fri Jan 10, 2020 6:09 pm
Forum: Investing - Theory, News & General
Topic: 2020 Hedge Fund contest
Replies: 256
Views: 19129

Re: 2020 Hedge Fund contest

In-site Fund "You've got to see it to pick it"

Long
GRMN
LNT
LUV

Short
PLT
BYND
AAPL
by jriding
Thu Jan 09, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Home Insurance Policy Increased by 26.8%!!
Replies: 27
Views: 2430

Re: Home Insurance Policy Increased by 26.8%!!

A similar thing happened to me about five years ago. After talking at length to my insurance agent (at the time) about the huge increase, and getting nowhere, I decided to jump ship and get quotes from 3-4 other insurance companies. Turned out to be a great decision. I ended up getting a much bette...
by jriding
Wed Jan 08, 2020 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 469
Views: 42040

Re: JPM Chase Reserve Card gets more expensive

The Alliant Signature Visa is 2.5% cash back with a $99 annual fee (first year is 3% back and annual fee is waived). It has been our primary card for several years and we are happy with it. Includes no foreign transaction fees and rental car collision coverage.
by jriding
Wed Nov 20, 2019 12:58 pm
Forum: Personal Investments
Topic: My third draft (portfolio planning)
Replies: 15
Views: 1372

Re: My third draft (portfolio planning)

+1 for keeping things simple by continuing to use the Target Date Retirement 2050 funds. It costs you a little bit more in fees but, for me at least, it is worth not having to think about re balancing. The TDR 2050 matches your 90-10 desired allocation (without the REIT tilt). More +1 for not specul...
by jriding
Fri Sep 13, 2019 9:24 am
Forum: Personal Consumer Issues
Topic: Best Triathlon Bike?
Replies: 32
Views: 3088

Re: Best Triathlon Bike?

Fit is much more important than brand. Go to a few local bike shops and find a bike that feels and looks good. Then get a professional bike fit. Proper fit is critical for triathletes.
by jriding
Thu Aug 08, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 184
Views: 35907

Re: good cash reward credit card

Alliant credit union has 3% cash back on everything. It does have a 100$ annual fee which is waived off the first year. You break even at 20,000$ annual expense compared to no annual fee 2% back cards. Tom The Alliant Signature Visa is my go-to card. Note that the 3% cash back is for the first year...
by jriding
Tue Jul 02, 2019 10:53 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1554
Views: 205570

Re: Post your Financial Milestone Announcements Here

Savings/Mortgage Milestone - for the first time my savings account balance exceeds my mortgage balance (~$20k). Just knowing that I could payoff the mortgage anytime is a great feeling!
by jriding
Tue Jun 11, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Sudden Debt - best strategy to pay off? (30k total)
Replies: 20
Views: 2276

Re: Sudden Debt - best strategy to pay off? (30k total)

It does not sound to me like she is as emotionally invested in this process as you are. This dynamic will strain your relationship in the long term. Sit down with her and make a plan together, sharing the financial and emotional costs as equally as possible. Establishing an equitable dynamic early i...
by jriding
Mon May 13, 2019 2:59 pm
Forum: Personal Investments
Topic: Does our adviser hate us - Brokerage Account help please
Replies: 27
Views: 2745

Re: Does our adviser hate us - Brokerage Account help please

You've gotten some excellent advice here. I am curious, is your adviser part of a large national firm or a small locally owned shop? I don't want to derail your thread so will leave the reason for my question for a separate thread.
by jriding
Thu Apr 18, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 146
Views: 31432

Re: Do not use Personal Capital

I decided to try Personal Capital, but thanks to this thread I am re-thinking continuing, or at least only using manual accounts ( have only linked a couple of my accounts to it). In the 2 weeks since I started am account, I first received a text asking if I wanted to talk to them. I replied no tha...
by jriding
Thu Apr 18, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 2655

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I have been using lastpass for 2-3 years. It is only 12 buck a year which really reasonable given how easy it has made to add 2FA plus creating strong passwords. It is available on all devices, sync up easily, allows me to use various 2FA tools such as google authenticator, yubikey etc. Autofill wo...
by jriding
Sun Apr 07, 2019 8:59 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

Closing out this thread with the final verdict: The grandparents are going to gift the money to the parents and the parents are going to fund existing or new 529s for each of the grandkids.

Best possible outcome I think. I appreciate everyone's input, I learned a lot!
by jriding
Sun Apr 07, 2019 3:23 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

Thank you bilperk and NotWhoYouThink, your input is very much appreciated!
by jriding
Sun Apr 07, 2019 9:38 am
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

Thinking about my BIL's family that will likely be eligible for need-based financial aid: If the grandparents gift the parents $10k and the parents immediately use that money to pay grandkids tuition, how does FAFSA treat that gift? My understanding is that the FAFSA doesn't count gifts to the paren...
by jriding
Sat Apr 06, 2019 4:59 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

What is a pro for one family may be a con for the other family. We have 5 kids, with relatively low income. For our oldest kids, we easily qualified for zero EFC. Funding 529 accounts would have been counterproductive - the balance might have cut their aid, and even though there is a state tax cred...
by jriding
Sat Apr 06, 2019 4:52 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

Regarding Option 3: From "Workarounds for Grandparent-owned 529 Plans" “The grandparent can wait until after January 1 of the beneficiary's sophomore year in college to take a distribution. Since the FAFSA uses the prior-prior year for income and tax information, there will be no subsequent year's ...
by jriding
Sat Apr 06, 2019 4:51 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

Option 3 (possible pro): does Colorado provide a state tax deduction if the grandparents setup a 529? Option 4 (con): parents' increased assets count against financial aid (~5.6% per year). Thanks BigDog. The grandparents are not in a state with a 529 income tax deduction. However if they gift the ...
by jriding
Sat Apr 06, 2019 4:46 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

I don’t think it is safe to assume that grandparents who are willing and able to write a check for a 17 year-old grandchild today will be in the same position to do so for their now 7-year-old grandchild in 10+ years. Yeah....how would you take that into account for planning? Do you assume the $10,...
by jriding
Sat Apr 06, 2019 4:42 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

Do grandparents have any existing EE bonds? If so, I would use these and avoid all this complexity. Basically has all the pros and no cons. Also, I believe that FAFSA is still 2 years in arrears when it looks at your income, so doesn't this mean you could qualify for financial aid for the first few...
by jriding
Fri Apr 05, 2019 2:49 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

I gift to my children with the general understanding that they'll add it to their 529 plans for their children, my grandchildren. I think they mostly do that, but it's a gift so I don't think it's right to check on that. They're all responsible adults. If they weren't I might choose some other appr...
by jriding
Fri Apr 05, 2019 2:44 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

What my mom does for my older son in college now: Gets a bank check made out to the college and mails it to me. I have my son bring it to the Bursar's office to apply to his bill. Son directly sees his grandmother's generosity. My mom doesn't eat into her gift allowance for the year (direct payment...
by jriding
Fri Apr 05, 2019 2:43 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

HomeStretch wrote:
Fri Apr 05, 2019 12:37 pm
If grandparents perceive there is too much risk to gift $10k to each child’s 529 account today, then the easiest way might be for the grandparents to pay $10k directly to the college when student receives 1st year tuition bill.
That's a good idea HomeStretch, I will suggest that, thanks.
by jriding
Fri Apr 05, 2019 12:10 pm
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Re: Grandparents gifting options for grandkids college

The best option is one that puts the money under your control today. There is no guarantee that grandparents won't change their mind later, and if the money is not under your control, it can not be given in the future. Most grandparents are really enamoured with grandkids when they are little and g...
by jriding
Fri Apr 05, 2019 11:44 am
Forum: Personal Investments
Topic: Grandparents gifting options for grandkids college
Replies: 48
Views: 3543

Grandparents gifting options for grandkids college

My in-laws have very generously offered to contribute $10,000 to each of their grandkids post-secondary education expenses. They asked for my input on the best way to gift the money. I am seeking the forum's input on my analysis. I have reviewed several past Boglehead posts on this topic and tried t...
by jriding
Fri Mar 29, 2019 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 54
Views: 4809

Re: Crossroad of what to do next?

I have not read the entire thread so apologies if this is already addressed:
If you have a high deductible insurance plan, consider maxing HSA contributions and treating it as another retirement account. The HSA has greater tax advantages than any of your other retirement accounts.
by jriding
Fri Mar 29, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 10347

Re: Failed land investments and what to do with it?

Do you own mineral rights? Make sure there aren't any extraction activities (i.e. oil wells) moving your way.
by jriding
Wed Mar 27, 2019 5:00 pm
Forum: Personal Investments
Topic: How much should I pay for a financial advisor?
Replies: 27
Views: 2145

Re: How much should I pay for a financial advisor?

OP may be trolling.
Read the Wiki, then return with your questions:
https://www.bogleheads.org/wiki/Boglehe ... art-up_kit
by jriding
Thu Feb 14, 2019 4:55 pm
Forum: Personal Investments
Topic: Girlfriend's Financial Advisor Recommendations...
Replies: 63
Views: 8480

Re: Girlfriend's Financial Advisor Recommendations...

Maybe I am misreading your post, but are Fidelity funds an option? If so perhaps she can ask her adviser about equivalent cheaper alternatives at Fidelity. I agree with the other posters - show her how to do compounding returns AND cost math.
by jriding
Mon Jan 28, 2019 4:54 pm
Forum: Personal Investments
Topic: TransAmerica 401K Recommendations
Replies: 10
Views: 1007

Re: TransAmerica 401K Recommendations

Target Date Retirement funds in IRA and 401(k).
Low cost simplicity for the win.
by jriding
Thu Jan 17, 2019 9:53 am
Forum: Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2630

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Current portfolio 723k. Will add another 85k+/yr for 5 more years. Bond 11.63% Int Stock 10.76% Liquid (no penalty CD) 13.83% Target Date 2035 8.10% TIAA Traditional 3.16% US Stock 52.52% Not included above. HSA 7k If you intend to use the HSA account as part of retirement, I would recommend includ...
by jriding
Wed Jan 16, 2019 6:14 pm
Forum: Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2630

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

... Not included above. HSA 7k 529s 67k & 58k (DW could stay at university for 1/2 price tuition, if necessary). Future Contributions (next 5 years) Her 457 19k/yr Her 403b 19k/yr Her Defined Contribution 15k/yr His 457 19k/yr His 401k 0k/yr His Roth 6k/yr Her Roth 6k/yr Total 420k over 5 years. Qu...
by jriding
Wed Jan 16, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 53
Views: 6611

Re: Netflix Recommendations

Stranger Things
The Office
Planet Earth
Blue Planet
by jriding
Tue Jan 15, 2019 6:20 pm
Forum: Personal Investments
Topic: Retirement accounts maxed out, what to do with extra cash?
Replies: 32
Views: 2316

Re: Retirement accounts maxed out, what to do with extra cash?

You don't mention an HSA in your list of tax advantaged accounts. If you have access to an HSA you can treat that as another retirement account. I reached the point you are currently in several ago where all of my tax advantaged space was maxed and I was wondering what to do with extra cash. I ende...
by jriding
Tue Jan 15, 2019 5:09 pm
Forum: Personal Investments
Topic: Retirement accounts maxed out, what to do with extra cash?
Replies: 32
Views: 2316

Re: Retirement accounts maxed out, what to do with extra cash?

You don't mention an HSA in your list of tax advantaged accounts. If you have access to an HSA you can treat that as another retirement account. I reached the point you are currently in several ago where all of my tax advantaged space was maxed and I was wondering what to do with extra cash. I ended...