Search found 1707 matches

by miamivice
Mon Jun 24, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2839

Re: citi discontinuing citi price rewind

It allowed one to purchase a product locally at an expensive retailer and then submit a claim to drop the price down to the lowest online retailer. We used (abused?) the program heavily. I have approximately 60 - 70 claims processed by them. Some of my favorites: - A replacement dishwasher part was...
by miamivice
Mon Jun 24, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2839

Re: citi discontinuing citi price rewind

Apparently, Citi is ending a lot of other benefits too. One website says the following will also be eliminated on September 22nd: Worldwide Car Rental Insurance Trip Cancellation & Interruption Protection Worldwide Travel Accident Insurance Trip Delay Protection Baggage Delay Protection Lost Baggage...
by miamivice
Mon Jun 24, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 41
Views: 2339

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

synthfan23 wrote:
Mon Jun 24, 2019 9:00 am
My wife would kill me if I backed out over this.
This is very important.
by miamivice
Mon Jun 24, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 41
Views: 2339

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

You will win this if a window seat is in the plans that are attached to your contract. What if there are no plans attached to the contract? When we built, we defintely did not sign a contract that had plans attached. Rather, we said we would buy a particular floorplan number. It's hokey, but that i...
by miamivice
Mon Jun 24, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?
Replies: 41
Views: 2339

Re: Buying new construction inventory home. Seemingly standard feature appears missing. What to do?

I think you will lose this argument. You already have agreed on a price, and now you would more than what was previously agreed upon. This isn't your house right now. This is the builder's house and if you back out, they will sell to someone else. If they can sell it for more than what you agreed to...
by miamivice
Mon Jun 24, 2019 8:34 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2839

Re: citi discontinuing citi price rewind

This reply is a bit snarky. It was a great card benefit, and had you taken the time to use it, you would have saved a lot of money. We are on track for $1,000 in refunds this year with normal spending habits. I'm not sure I'd use the word normal. The dishwasher part you mentioned, the actual cost t...
by miamivice
Mon Jun 24, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2839

Re: citi discontinuing citi price rewind

No doubt it's a great a perk but I've never had to use it. I didn't sign up the card for this benefit and this benefit wouldn't have been a strong motivator for me to sign up for this card or the other. So at least for me, this was the right decision on Citi's part. Now if they can somehow increase...
by miamivice
Mon Jun 24, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 45
Views: 2839

Re: citi discontinuing citi price rewind

This move, while 100% expected, is very sad. Citi Price Rewind was an incredible feature of Citi cards. It allowed one to purchase a product locally at an expensive retailer and then submit a claim to drop the price down to the lowest online retailer. One time I bought a pair of boots for $85 from A...
by miamivice
Wed Jun 19, 2019 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Which version of tax software do I need?
Replies: 4
Views: 242

Re: Which version of tax software do I need?

Start with the basic version, and then TurboTax will prompt you if you need to upgrade.

I am puzzled why this question is coming up now, two months after the IRS filing deadline.
by miamivice
Tue Jun 18, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to get out of daycare 6 week notice?
Replies: 32
Views: 2736

Re: Any way to get out of daycare 6 week notice?

Contact your credit card company and say the company charging you is not living up to the services agreed upon. Deny them payment and Cancel your card to get a new one if they do not agree. When your credit card company reverses a payment, you still owe the merchant the money. They can take you to ...
by miamivice
Tue Jun 18, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any way to get out of daycare 6 week notice?
Replies: 32
Views: 2736

Re: Any way to get out of daycare 6 week notice?

We are changing daycares because our 11 month old can't nap at his current one (which is a large one). The people there are nice but they just don't have the personal touch or flexibility to help him out. We found a small family daycare, only 3 infants, and we want to switch to it. Problem is I jus...
by miamivice
Tue Jun 18, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Posponing FIRE to go back to School
Replies: 20
Views: 1695

Re: Posponing FIRE to go back to School

I would say my goal is to be financially independent. The job I have now is probably the way for me to get there the fastest, but I don't think it would be a fun or enjoyable 10-15ish more years. I feel like the job opportunities I could pursue after completing this program would offer a better qua...
by miamivice
Tue Jun 18, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Posponing FIRE to go back to School
Replies: 20
Views: 1695

Re: Posponing FIRE to go back to School

I am also confused about the FIRE bit. If the OP is close to being ready to retire (probably not at age 29), then it is not purposeful to pursue more schooling.
by miamivice
Mon Jun 17, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 79
Views: 6407

Re: Cancel collision coverage on older car?

I also keep collision on my older cars. I’ve had 3 not-at fault accidents in the past 5 years. Two of them, the other driver did not have insurance. My insurance paid and said they would refund the deductible if they could successfully sue them other driver for the damages. Worth it for me for the ...
by miamivice
Mon Jun 17, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 79
Views: 6407

Re: Cancel collision coverage on older car?

To expand on this, my girlfriend had an accident where the other driver was 100% at fault. We still had to deal with getting the car out of the tow yard, and then selling it for scrap. It was a major PITA, having collision would have taken care of this. That is interesting. I have had three cars to...
by miamivice
Mon Jun 17, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 79
Views: 6407

Re: Cancel collision coverage on older car?

Most financial-type people suggest this as far as insurance: Can you afford the cost of replacing the vehicle, or can you afford to go without the vehicle, in the event you are at fault for totaling? If the answer is yes, you are likely to be ahead by self-insuring, because insurance is a for-profit...
by miamivice
Mon Jun 17, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 79
Views: 6407

Re: Cancel collision coverage on older car?

There are several possible reasons to keep collision and comprehensive coverage on older car: 1. If you rent a car, you can more safely decline some of the expensive insurance options on the rental car. Didn't know that. I thought collision/comprehensive were specific to a car VIN and aren't transf...
by miamivice
Thu Jun 13, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Fixing financial "leakage" - what do you do?
Replies: 23
Views: 3385

Re: Fixing financial "leakage" - what do you do?

One thing I did was NOT get a landline phone. They cost about $45/month in my area. I went with Vonage which started out cheap but ended up at $25/month. Then I switched to MagicJack where it costs $2.50/month.
by miamivice
Thu Jun 13, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3212

Re: Cartier bracelet

So I want to buy my wife a Cartier bracelet for her birthday. Anyone know how to get discounts on these things? They're pretty expensive ~5k. When I went to Paris a couple years ago, several folks bought high end purses or other jewelry because it was cheaper. You might be able to fly you and your ...
by miamivice
Thu Jun 13, 2019 2:07 pm
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

The confusion is at least in part because the term "dollar cost averaging" (DCA) is used to describe two different procedures used in two different circumstances. 1) You invest a fixed dollar amount out of your income every pay period. I believe that this is the original meaning of the term "dollar...
by miamivice
Thu Jun 13, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2643

Professional work titles

As I approach 40 years of age, I am noticing that many people around me about the same age are moving up in their career. Their titles are "fancy". I am seeing a lot of folks with "lead", "manager", "director", and "chief". At my megacorp, the senior leadership is title-adverse. About 10% of my grou...
by miamivice
Thu Jun 13, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10847

Re: Retired at 35 and have no friends :(

I think this is a troll post. Generally, it's not possible for someone to be a Boglehead and retire at 35. Retiring at 35 requires a huge amount of money (millions) in a short period of time. Options for accuring that money include winning the lottery, buying individual stocks that are on a rocket ...
by miamivice
Thu Jun 13, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10847

Re: Retired at 35 and have no friends :(

I think this is a troll post. Generally, it's not possible for someone to be a Boglehead and retire at 35. Retiring at 35 requires a huge amount of money (millions) in a short period of time. Options for accuring that money include winning the lottery, buying individual stocks that are on a rocket ...
by miamivice
Thu Jun 13, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10847

Re: Retired at 35 and have no friends :(

I think this is a troll post. Generally, it's not possible for someone to be a Boglehead and retire at 35. Retiring at 35 requires a huge amount of money (millions) in a short period of time. Options for accuring that money include winning the lottery, buying individual stocks that are on a rocket t...
by miamivice
Thu Jun 13, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10847

Re: Retired at 35 and have no friends :(

Hello all. Been following for years and first time posting. Not sure if I'm posting in the right place, but here goes. Through some good fortune, working hard, and following sound financial advise, such as the advise found here with Bogleheads, I was able to retire ~9 months ago at the age of 35. T...
by miamivice
Thu Jun 13, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Fixing financial "leakage" - what do you do?
Replies: 23
Views: 3385

Re: Fixing financial "leakage" - what do you do?

The #1 thing that I do is review expenses on an annual basis to see what reductions can be found. Examples: - We moved grocery shopping from the Kroger chain to the Wal-Mart chain, resulting in a decrease of approximately $1000 per year for the exact same items - I annually negotiate the internet bi...
by miamivice
Thu Jun 13, 2019 12:01 am
Forum: Personal Investments
Topic: Vanguard 529 calculator - what to plug in?
Replies: 4
Views: 382

Re: Vanguard 529 calculator - what to plug in?

You can use 529 money for anything you want including retirement, if you pay penalties.
by miamivice
Wed Jun 12, 2019 11:59 pm
Forum: Personal Investments
Topic: Vanguard 529 calculator - what to plug in?
Replies: 4
Views: 382

Re: Vanguard 529 calculator - what to plug in?

I use 6% as the annual college inflation rate.

Note that college inflation is weighted average of book inflation, housing inflation, food inflation, tuition inflation, and fee inflation. I guess 6% but who knows.
by miamivice
Wed Jun 12, 2019 11:52 pm
Forum: Investing - Theory, News & General
Topic: Opening a Robinhood account for fun - Is it worth it?
Replies: 18
Views: 2100

Re: Opening a Robinhood account for fun - Is it worth it?

I would use Vanguard. For me, the first 25 trades each year are free.
by miamivice
Wed Jun 12, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Automobile air conditioning strategy
Replies: 21
Views: 2198

Re: Automobile air conditioning strategy

Curious how others control the temp in their car. When using AC I turn the temp dial all the way to cold and adjust the fan speed up or down. But it occurs to me it might be more energy efficient to run the fan speed on max and not have to turn the temp down so much. Thinking the compressor require...
by miamivice
Wed Jun 12, 2019 9:44 pm
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

Dollar cost averaging is a phrase used to describe the way most of us invest as we get income to do it (bi-weekly paychecks). Dollar cost averaging once you have a lump-sum is 100% market timing, frankly there is no argument, especially when there is mention of the current state of the market as a ...
by miamivice
Wed Jun 12, 2019 6:11 pm
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

reginekierkegaard wrote:
Wed Jun 12, 2019 5:19 pm
If the market drop 40-50%, I will switch from strategic to tactical asset allocation mode. I would systemically sell my bonds and increase my allocation in stock in my 'Core portfolio'.
This is market timing.
by miamivice
Wed Jun 12, 2019 6:10 pm
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

It's not market timing. Market timing is any strategy that factors in the state of the market (e.g. down recently, up recently. So 'waiting for a dip' is market timing). Dollar cost averaging is not a strategy I favor (I think it's irrational for reasons you've explained) but neither is it market t...
by miamivice
Wed Jun 12, 2019 2:32 pm
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

It's not market timing. Market timing is any strategy that factors in the state of the market (e.g. down recently, up recently. So 'waiting for a dip' is market timing). Dollar cost averaging is not a strategy I favor (I think it's irrational for reasons you've explained) but neither is it market t...
by miamivice
Wed Jun 12, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: Mailers for Medicare, AARP, etc to a younger person
Replies: 20
Views: 1302

Re: Mailers for Medicare, AARP, etc to a younger person

An 18 year old can join AARP. They don't have a minimum age restriction.

Feel free to join AARP if you think any membership benefits will benefit you.
by miamivice
Wed Jun 12, 2019 10:47 am
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

I am sitting on some cash in a taxable account. Invest it now or wait me til market corrects ? I know timing is discouraged here but common sense says market is overvalued. Goal is 60% stock. Any thoughts? When I have had large sums to invest, I have spread the investments over a 12 or 24 month per...
by miamivice
Wed Jun 12, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Careers that combine art/design and science?
Replies: 36
Views: 1520

Re: Careers that combine art/design and science?

texasdiver wrote:
Tue Jun 11, 2019 8:56 pm
... all these friends who already have plans for med school, law school, MBA, etc. and she doesn’t know what she wants to do.
Probably 90% of these friends will never step foot in law school, med school, or MBA school.
by miamivice
Tue Jun 11, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Good Rx
Replies: 36
Views: 3134

Re: Good Rx

Couple questions. We recently were prescribed a prescription medication that has a cost of $250. Looking at GoodRx, we might be able to get it for $90. 1) What is GoodRx and why are prescriptions cheaper using them than otherwise? 2) How do we submit claims so a GoodRx-discounted prescription counts...
by miamivice
Tue Jun 11, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Submitting Insurance Claims for Toddler Special Needs Therapy
Replies: 8
Views: 511

Re: Submitting Insurance Claims for Toddler Special Needs Therapy

What is the monthly cost of the program?

I think you will need a medical diagnosis first before any chance of insurance paying.
by miamivice
Tue Jun 11, 2019 8:24 am
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2609

Re: Cash to investments

I am sitting on some cash in a taxable account. Invest it now or wait me til market corrects ? I know timing is discouraged here but common sense says market is overvalued. Goal is 60% stock. Any thoughts? When I have had large sums to invest, I have spread the investments over a 12 or 24 month per...
by miamivice
Mon Jun 10, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Laminating important documents - a good idea?
Replies: 34
Views: 2434

Re: Laminating important documents - a good idea?

Hello, Is it a good idea to laminate following documents to prevent damage from water, tears etc 1. Birth Certificate 2. Marriage certificate 3. School transcripts/diploma 4. Social Security card Will doing so, make any of the above documents invalid ? I have never been asked to show school transcr...
by miamivice
Mon Jun 10, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?
Replies: 24
Views: 2139

Re: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?

With regards to the utility doing the trimming, keep in mind that this is not the bare distribution wires on top of poles. This is the insulated 240v wire that runs from the transformer to the customer's home. Some (many? all?) declare that the insulated 240v wires are the responsibility of the cust...
by miamivice
Mon Jun 10, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?
Replies: 24
Views: 2139

Re: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?

The oak tree wont pull the line out of the house. That is not how trees grow. Miamivice: why do you say this? The diameter of the trunk is expanding as the tree grows. The trunk will grow around the wire, it will not push it out of the house. Swaying of the tree could rip it out though if the tree ...
by miamivice
Sun Jun 09, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?
Replies: 24
Views: 2139

Re: Tree Touching Power Line - Do I Have Any Choice Other Than to Take Down the Tree?

The oak tree wont pull the line out of the house. That is not how trees grow.
by miamivice
Sun Jun 09, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2136

Re: Do we need a realtor? First time home buyer, buying from landlord

I would hire an attorney who specializes in real estate. They are much cheaper than a real estate agent. Their advice is well worth it, and in CA you will have a ton of paperwork to do. Be careful if you signed a contract with the real estate agent. What advice does an attorney provide that makes t...
by miamivice
Sun Jun 09, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: W/O comp and collision, how does reimbursement from a not at fault accident work?
Replies: 20
Views: 1255

Re: W/O comp and collision, how does reimbursement from a not at fault accident work?

Hi All, I have a question for those who do not carry comp and collision. If someone is at-fault and damages your property, how do you pursue reimbursement from their insurance company? Is it reasonably easy to pursue the claim with them? The reason that I ask is that I am partially worried with los...
by miamivice
Sun Jun 09, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Do we need a realtor? First time home buyer, buying from landlord
Replies: 26
Views: 2136

Re: Do we need a realtor? First time home buyer, buying from landlord

The buyer doesn't negotiate commission with the buyer's agent. The seller is the one that sets the commission. If the seller doesn't want to pay commission, there is no reason to involve a buyers real estate agent as they won't be receiving a commission for their efforts. Well, insert "money is fun...
by miamivice
Sun Jun 09, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 155
Views: 16074

Re: Which Engineering Discipline for the next 20+ years !!!

Which Engineering Discipline for the next 20+ years !!! This is a sequel to this discussion https://www.bogleheads.org/forum/viewtopic.php?f=2&t=171074 For a student getting into college this fall, which engineering discipline will you suggest. Student may not be a mere staff engineering, more anal...
by miamivice
Fri Jun 07, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Protecting wood cabinet doors
Replies: 9
Views: 930

Re: Protecting wood cabinet doors

I tried googling and redditing on this and I am amazed how little I found. This is not about plumbing leaks under the sink. Our new kitchen cabinets are coming Monday, natural wood furniture finish, and I want to try to protect the doors from all the water damage the lowers suffered for 40 years. I...