Search found 2185 matches

by an_asker
Thu Nov 15, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: IRS announces 2019 Tax Rates, Standard Deduction, etc.
Replies: 27
Views: 5527

Re: IRS announces 2019 Tax Rates, Standard Deduction, etc.

Is the Medical Savings Account the new name for Health Savings Account? [if yes, sorry, I have missed when this change occurred :oops: ]
by an_asker
Mon Nov 12, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 126
Views: 5515

Re: Point and shoot camera

I think it has been said enough times. What you are looking for no longer exist. To take better pictures than your smartphone is capable of taking, you have to pay even more than the cost of your smartphone. That ship has sailed. Respectfully I beg to differ. My iPhone SE cannot hold a candle to mu...
by an_asker
Mon Nov 12, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 126
Views: 5515

Re: Point and shoot camera

Canon powershot 180 https://smile.amazon.com/Canon-PowerShot-Digital-Camera-Stabilization/dp/B019UDHOMO I have Sony rx100 and Fuji cameras but I think those are overkill for you. I’ve had various powershot cameras and enjoyed them all. I suggest this one . I have an older version of this camera - m...
by an_asker
Sun Nov 11, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 126
Views: 5515

Re: Point and shoot camera

Canon powershot 180 https://smile.amazon.com/Canon-PowerShot-Digital-Camera-Stabilization/dp/B019UDHOMO I have Sony rx100 and Fuji cameras but I think those are overkill for you. I’ve had various powershot cameras and enjoyed them all. I suggest this one . I have an older version of this camera - m...
by an_asker
Fri Nov 09, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Is your card PenFed Platinum Cash Rewards Visa? I just check and I still get 5% as CASH REWARDS STMT CREDIT automatically each month. I remember I used to have PenFed Platinum Rewards Visa Signature for gas purchase but then PenFed made the switch to 1% way in late 2016. So I changed it to PenFed P...
by an_asker
Thu Nov 08, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 745

Re: Moving TMobile account from flip phone to iPhone

We had one old flip phone on a $10 a year (+10 cents a minute prepaid talk) plan with Tmobile that was on a Legacy or grandfathered plan. We had an old iphone (due to an upgrade by another family member). We were able to use a sim cutter to take the sim out of the GSM flip phone and insert it into ...
by an_asker
Thu Nov 08, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 745

Re: Moving TMobile account from flip phone to iPhone

Maybe I didn't phrase it correctly, but the TMobile rep at the local mall told me that I cannot transfer an old grandfathered TMobile plan from a flip phone to an iPhone. I don't get it. Why can I not do that? I mean, I can purchase a new TMobile SIM for the iPhone, but I should be able to transfer...
by an_asker
Wed Nov 07, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Car rentals, what is the catch?
Replies: 46
Views: 5371

Re: Car rentals, what is the catch?

I really need to share what happened the one time I reserved a car through the local Payless (or some such). I landed at the airport after a trip abroad, and got on the shuttle. No big deal for me, as it meant a delay of 30 minutes. Go there, stood in line and when I got to the agent - whamm, I got ...
by an_asker
Wed Nov 07, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 745

Re: Moving TMobile account from flip phone to iPhone

That's extremely common in the telco/isp industry. The plan was discontinued many moons ago and is only allowed to continue as long as you don't modify the contract. Transferring it to a modern phone would modify the plan so you have to change to something new. More than likely they have a new plan...
by an_asker
Wed Nov 07, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Moving TMobile account from flip phone to iPhone
Replies: 17
Views: 745

Moving TMobile account from flip phone to iPhone

Maybe I didn't phrase it correctly, but the TMobile rep at the local mall told me that I cannot transfer an old grandfathered TMobile plan from a flip phone to an iPhone. I don't get it. Why can I not do that? I mean, I can purchase a new TMobile SIM for the iPhone, but I should be able to transfer ...
by an_asker
Wed Nov 07, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12725

Re: Are we in trouble?

[...] That was my thought as well on a post I made above. There are other explanations though. The spouse makes $220k and maybe took off to care for the kids or maybe their incomes recently went up a lot. Regardless, NW is definitely something I would factor into a large home purchase. As a side no...
by an_asker
Wed Nov 07, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

I think the OP fails to maintain required bank accounts to earn the 5% gas reward. Don’t remember the detail, but if one does not have other banking relationship with Penfed, one doesn’t get the 5% for gas or 3% for groceries. In addition, you don’t redeem at 1:1 ratio. For example, you need 5880 p...
by an_asker
Wed Nov 07, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Never mind. My bad - I was looking at the rewards incorrectly (the points are being credited correctly; the only thing off is that I don't think I can get a statement credit, which is not a big deal in the grand scheme of things). It appears that the points are being calculated correctly. So now, ho...
by an_asker
Wed Nov 07, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

I don't hold the card but the basic reason why this happened is that a ton of people bought gift cards at gas stations to get the 5% back, some were reselling them in volume for a profit. I don't think so - this card had a specific clause that the 5% (or five points) applied only to purchases made ...
by an_asker
Wed Nov 07, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Generally speaking, I've given up on letting promotional gimmicks influence my consumer choices. They are all subject to modification and cancellation. For example, credit card companies that offer extended warranties or car rental collision insurance features often discontinue them quietly. And th...
by an_asker
Wed Nov 07, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12725

Re: Are we in trouble?

You have made some sub-optimal decisions. But your 370k annual income and 900k savings means you are far from "in trouble". +1 I disagree! Unless that income jumped from near 0 to 370k relatively shortly, I don't understand how you (OP) have saved only 900k at age 47. Well, I do understand actually...
by an_asker
Wed Nov 07, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Penfed Rewards Card - Gas purchase rewards question

I feel cheated! Usually, I am very good with tracking my credit cards and the rewards earned. But for once, I slipped - or, to be honest, I trusted Penfed (more than I should've!). Long long ago, I signed up for the Penfed rewards card that offered five points for each dollar spent on gas purchases,...
by an_asker
Sun Nov 04, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3407

Re: Please help me with my car decision

stan1 wrote:
Sat Nov 03, 2018 9:19 am
Seems like Uber and Enterprise (car rental) would solve most of your problems. Use some of your $ to pay for convenience and quality of life.
I was about to say Uber ... especially with a name like sleepydoc!! :oops:
by an_asker
Sun Nov 04, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5899

Re: Deal fell through and didn't get escrow money.....

I think your friend didn't understand what a contingency was. Their realtor should have explained in detail what it meant to accept an offer with a contingency. I thought the OP is pretty clear that the realtor had no clue either! :oops: the realtor told them "because of the mortgage crisis in 2008...
by an_asker
Sun Nov 04, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5899

Re: Deal fell through and didn't get escrow money.....

randomguy wrote:
Sat Nov 03, 2018 6:23 pm
Isnt that the point of contigencies? They list when the buyer gets the ernest money back when the deal falls through
+1!
by an_asker
Sun Nov 04, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7973

Re: Teaching kids there is ample amount of money

I'm wondering how high net worth families teach their children about money. I think I'll tell my kids that we are blessed / fortunate to not have to worry about money but we are also resourceful and don't buy a bigger house or fancier cars (or more toys) just because we can. To me that seems more t...
by an_asker
Sun Nov 04, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Where to build a 'payoff the mortgage' fund?
Replies: 13
Views: 1959

Re: Where to build a 'payoff the mortgage' fund?

[...] The next question I have is - what rate of return would I have to realize on the VTSAX (taxable) to equal the 4.75% mortgage - what's the breakeven point assuming 24% tax bracket? [...] Unless I'm missing something, the answer is 4.75%. Assuming you can deduct the mortgage interest in its ent...
by an_asker
Thu Nov 01, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8086

Re: Fully maxed out

Just curious..,. Is there anyone out there that has fully maxed out all tax advantaged accounts in a single year (assuming MFJ). Super high income (>300k/yr?) doesn’t count 18.5k 401k x2 Extra 5k/year for catchup contributions x2 Mega Backdoor Roth x2 Backdoor Roth 5.5k x2 IRA catch-up contribution...
by an_asker
Tue Oct 30, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17244

Re: Why I'm 100% stocks

Two portfolios over past 10 years: 1. 100% VTI returning 9.8% CAGR 2. 80% VTI + 20% EDV (ultra long duration treasury bonds) One of these returned more *with* less risk, can you guess which one? https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endY...
by an_asker
Mon Oct 29, 2018 10:49 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17244

Re: Why I'm 100% stocks

Two portfolios over past 10 years: 1. 100% VTI returning 9.8% CAGR 2. 80% VTI + 20% EDV (ultra long duration treasury bonds) One of these returned more *with* less risk, can you guess which one? https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endY...
by an_asker
Mon Oct 29, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 17244

Re: Why I'm 100% stocks

Why did you choose the number "100%?" Why are you convinced that a little leverage, 120% stocks, say, would not be better yet? What parts of your argument do not apply to the situation of 120% stocks? That's a simple answer, isn't it? If 100%, the worst is 0. But if 120%, the worst could be negativ...
by an_asker
Tue Oct 23, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25693

Re: PSA: Don't buy a big house

For large and high ceilings, in the summer whole house fans can be used to reduce cooling energy expenses. Open your windows and the turn on the fan. The shutter opens and the fan draws in the cool air through the windows. The outside air should be cooler than the inside air. Turn it on at night wh...
by an_asker
Tue Oct 23, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 31
Views: 2587

Re: Credit card claim for rental car collision?

[...]Do check if your card provides primary coverage. If it does not, it is expected that you file the claim with you insurance first and then with card company for any gap. Also check if your insurance company covers your rental car. Farmers was willing to cover the collision as well but I didn’t ...
by an_asker
Tue Oct 23, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit card claim for rental car collision?
Replies: 31
Views: 2587

Re: Credit card claim for rental car collision?

Hit a deer in Utah. Total damage was 2.5K. CC coverage was secondary after personal policy that covered 2k - 500 was a deductible. could never figure out why deductible was being applied if this is effectively a 3rd party liability. CC picked up the 500 deductible. Very painful process between car ...
by an_asker
Fri Oct 19, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Timing mortgage pay down
Replies: 49
Views: 3972

Re: Timing mortgage pay down

I understand that, Klangfool. But that isn’t the question. Some people may have different comfort levels with debt or different goals altogether. For example, Retiring Russ may be retiring in 15 years and may decide to pay his mortgage off in 15 years as opposed to 30 years so he doesn’t have a mor...
by an_asker
Fri Oct 19, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 6006

Re: Best way to complain about Hertz bait-and-switch?

Yesterday I flew into the Salt Lake City airport where I met my elderly father, uncle, and his wife as the first step of our vacation. My dad had reserved a car from Hertz, an Infiniti QX70. At the Hertz counter the clerk gave us the standard upsell to a larger vehicle, a Land Rover Discovery for $...
by an_asker
Fri Oct 19, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 6006

Re: Best way to complain about Hertz bait-and-switch?

Yesterday I flew into the Salt Lake City airport where I met my elderly father, uncle, and his wife as the first step of our vacation. My dad had reserved a car from Hertz, an Infiniti QX70. At the Hertz counter the clerk gave us the standard upsell to a larger vehicle, a Land Rover Discovery for $...
by an_asker
Fri Oct 19, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Namibia question
Replies: 11
Views: 1028

Re: Namibia question

Experienced travelers -- I am contemplating a family trip to Namibia and wonder what those who have been have to report back in terms of the experience, price, and range of things to do. I've made some 40 trips to parts of Africa, yet I have never traveled to Namibia nor have I seen any geography l...
by an_asker
Fri Oct 19, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8993

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

[...]And despite his arguments, I do keep my own mortgage, for the same reason he did. I max out my retirement accounts, but my mortgage is fully deductible and at a very low rate (2.625%, 1.79% after state and federal tax), so I can earn more by investing an equal amount in bonds, without taking e...
by an_asker
Thu Oct 18, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 645
Views: 77019

Re: Picking College and College Scholarships

GCD wrote:
Fri Mar 16, 2018 10:41 am
And I would urge people not to be offended by nerd, dork, etc. As I understand it there is an emerging "nerd culture" and I'm sure many people on this board think of themselves as nerds. I know I mean no offense at using the term. I hope none is taken.
Or by "dude" :oops:
by an_asker
Thu Oct 18, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8993

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

[...]And despite his arguments, I do keep my own mortgage, for the same reason he did. I max out my retirement accounts, but my mortgage is fully deductible and at a very low rate (2.625%, 1.79% after state and federal tax), so I can earn more by investing an equal amount in bonds, without taking e...
by an_asker
Thu Oct 11, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs. Cash
Replies: 28
Views: 2278

Re: Mortgage vs. Cash

Hi all, [...] We have recently sold our home in the Mid-Atlantic and have moved to New York State We are under contract on a house with a sales price of $575K (but have not yet signed with a lending company - although I have locked in a rate of 4.65% on a 30 year fixed) and will need to decide one ...
by an_asker
Wed Oct 10, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5948

Re: What the heck is growing in my yard?

Momus wrote:
Wed Oct 10, 2018 3:26 pm
Some edible mushrooms are selling for top dollars at restaurants $20-50/lb. You might actually find yourself a nice surprise here...

If this is maitake (hen of woods) like others mentioned, they are like $20/lb.
Let it grow let it grow let it grow!! ;-)
by an_asker
Wed Oct 10, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of the current correction
Replies: 28
Views: 3674

Re: Taking advantage of the current correction

loklav wrote:
Wed Oct 10, 2018 3:23 pm
WhiteMaxima wrote:
Wed Oct 10, 2018 3:18 pm
correction is a drop 10% or more. 3% is barely noise.
Well since the last 4/5 sessions I think, it's more than 3% right?
Not a lot more (still closer to 3 than 10!). I've been following SPY (S&P 500 ETF). It's fallen just about six percent or so off its high - 292 to 277.
by an_asker
Wed Oct 10, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Very few junk phone calls in Spain?
Replies: 14
Views: 720

Re: Very few junk phone calls in Spain?

Probably because we have more crooks in the US; and the crooks in Russia, India, Ukraine, etc. only take the time to learn English (not Spanish). Perhaps also because there is a higher-hit rate on Americans who have money to spend and fall for the scams. There is no sense scamming random folks if a...
by an_asker
Wed Oct 10, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2216

Re: FAFSA questions

Thanks once more to everyone who answered - and to the stock market for taking a tumble (our numbers will definitely be lower than they'd have been yesterday, or the day before - maybe I should wait until Friday ;-) )
by an_asker
Wed Oct 10, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 5948

Re: What the heck is growing in my yard?

wilshuer wrote:
Wed Oct 10, 2018 2:41 pm
Hen of the wood mushroom.
That's what google images says too :-)
by an_asker
Wed Oct 10, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Very few junk phone calls in Spain?
Replies: 14
Views: 720

Re: Very few junk phone calls in Spain?

Probably because we have more crooks in the US; and the crooks in Russia, India, Ukraine, etc. only take the time to learn English (not Spanish). Perhaps also because there is a higher-hit rate on Americans who have money to spend and fall for the scams. There is no sense scamming random folks if a...
by an_asker
Wed Oct 10, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth --> Filling out FAFSA
Replies: 8
Views: 773

Re: Backdoor Roth --> Filling out FAFSA

I'm a parent filling out FAFSA as well. I don't recall seeing any of these questions. Is it because I just gave them my IRS info and let them have at it? Don't know for sure, but if your form 1040 line 15 entries were zeros it probably wouldn't prompt for further information. See What were your par...
by an_asker
Wed Oct 10, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7985
Views: 1621236

Re: Stocks tumbling?

Anyone know what could potentially be causing this drop? Those motivated to sell: ... - sugar daddies who need to buy their girl a toy right now ... Those motivated to buy: - Bogleheads with dry powder (aka cash, before you guys jump to conclusions) ... Call girls are buying. Put girls are selling....
by an_asker
Wed Oct 10, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: FAFSA questions
Replies: 29
Views: 2216

Re: FAFSA questions

What is the CSS? OK, one last question for this thread: Investments include real estate (do not include the home in which your parents live), rental property (includes a unit within a family home that has its own entrance, kitchen, and bath rented to someone other than a family member), trust funds,...
by an_asker
Wed Oct 10, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth --> Filling out FAFSA
Replies: 8
Views: 773

Re: Backdoor Roth --> Filling out FAFSA

Hello, My wife and I made a non-deductible contribution to a traditional IRA ( $11,000 total ) and converted it to a Roth IRA ( backdoor Roth ) I am trying to see how this event plays out in filling out the following questions on FAFSA application... Q1. Untaxed portions of IRA distributions from I...
by an_asker
Wed Oct 10, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7985
Views: 1621236

Re: Stocks tumbling?

Anyone know what could potentially be causing this drop? There does not appear to be any significant recent events that could cause investors to be concerned. Trying to mutter to myself "stay the course stay the course." I guess we just need to be patient and wait to see what happens...Trying to bl...
by an_asker
Tue Oct 09, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3932

Re: How to get over paper loss?

I am someone who can agonize over lost money. Every purchase in my life I try to optimize as efficiently as possible and if I find an area where I wasted 20 bucks it can drive me mad. On the same day I am beating myself up over forgetting to use a coupon before it expired I am may be down a couple ...
by an_asker
Tue Oct 09, 2018 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3932

Re: How to get over paper loss?

I've held onto $20k company stock from my ESPP and had a paper loss of about $6-7k. Bogleheads advised me to sell it all and buy an index fund and don't try to time the market. I really didn't want to take a loss, but decided to sell $10k company stock and put it all in SCHB last week. A week later...