Search found 2119 matches

by an_asker
Fri Jul 20, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 968

Re: Penfed 5/5 Arm Rate Reset?

I'm in the same boat. My 5/5 ARM with PenFed goes from 2.65 to 4.65 in January 2019. I'm thinking of refinancing around December into a 15-year fixed instead of doing the rate reset. We'll see what rates are then. Didn't you get the same offer from PenFed? I did, but (1) it's only for 60 months, an...
by an_asker
Fri Jul 20, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: I ran out of credit card signups bonus...
Replies: 104
Views: 15015

Re: I ran out of credit card signups bonus...

takeshi wrote:
Tue Aug 29, 2017 5:25 pm
Could or couldn't?
Image
Love that graphic!!!
by an_asker
Fri Jul 20, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 88
Views: 5746

Re: Families - What's your total annual credit card spend?

We pay almost everything with a credit card: phone bills, other utilities, insurance, college tuition, plus all the usual stuff. We try to never ever use cash for anything. So about $17 a year. Seventeen dollars!?? Sign me up! I can retire in 5 years at that rate of spending. Meg77 - with one year'...
by an_asker
Fri Jul 20, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 968

Re: Penfed 5/5 Arm Rate Reset?

cccheel wrote:
Fri Jul 20, 2018 10:33 am
I'm in the same boat. My 5/5 ARM with PenFed goes from 2.65 to 4.65 in January 2019. I'm thinking of refinancing around December into a 15-year fixed instead of doing the rate reset. We'll see what rates are then.
Didn't you get the same offer from PenFed?
by an_asker
Fri Jul 20, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 968

Re: Penfed 5/5 Arm Rate Reset?

[...] There is no catch, I did the same thing a few years ago (and there is a thread on Bogleheads about it somewhere). If I remember correctly, I went from 3.25% to 2.65% for the second 5 years for $250, which made me, at the time, super suspicious, but it is all good. There is no catch. I wasn't ...
by an_asker
Thu Jul 19, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Two Questions - College Tuition Payments
Replies: 11
Views: 1002

Re: Two Questions - College Tuition Payments

[...] 2. Is there a reason I should pay the tuition in 4 installments instead of one lump sum if I have the money to do so? The charge for setting up the payment plan is $25 and amount due is $7500. I am leaning towards lump sum unless someone has a different suggestion that makes sense. Thanks One...
by an_asker
Thu Jul 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 76
Views: 5256

Re: $540 a month on food for graduate student budget too much?

[...] You don't have to eat rice, pasta, bread, potatoes at all. A can of black beans is about 60 cents at Walmart and can be split over 3 meals made of vegetables such as broccoli, corn, spinach, carrots, and so on. [...] Most all is right on the money here, but I have to complain about the canned...
by an_asker
Wed Jul 18, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1541

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

It depends a lot on what your priorities are. Obviously a very big state, and hard to see it all. For standard packages and cruises, Costco is pretty good on pricing. A standard package might be to fly into Fairbanks, spend a day or so there, then take train to Denali, stay a day or two, then on to...
by an_asker
Wed Jul 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2643

Re: Would you pay $120 for a 5 year dishwasher warranty?

Cycle wrote:
Mon Jul 16, 2018 6:31 pm
No. if it breaks just buy another one.
A different brand/make, I hope! :oops:
by an_asker
Fri Jul 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9488

Re: When does frugal cross the line to cheapskate?

Wednesday my wife texts me to pick up some water bottles with the squirt top. I later reply "but the regular spring water is like half the price per oz" Fortunately I married a frugal woman, who just went through our budget a couple weeks ago and she was cool with it. But I did feel kind of like a ...
by an_asker
Fri Jul 13, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9488

Re: When does frugal cross the line to cheapskate?

KyleAAA wrote:
Fri Jul 13, 2018 12:08 am
When someone else does it.
We have a winner. I wasted two responses on this thread. Your answer just about sums it up!! #I_need_a_trophy_icon!!!
by an_asker
Fri Jul 13, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9488

Re: When does frugal cross the line to cheapskate?

If your frugality is making someone unhappy, you've crossed the line. That someone could be somebody else ("stingy,") or it could be you ("miserly.") I disagree with that. The fact that I don't buy my mom a porsche that I can afford might make her unhappy, but it doesn't make me a cheapstake or a m...
by an_asker
Fri Jul 13, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9488

Re: When does frugal cross the line to cheapskate?

Hi, Boglers, There was an interesting thread on Reddit recently with this same question. I was wondering what you folks think. Cheers :sharebeer Probably when instead of just living below your means, you try to live at a higher level with somebody else picking up the tab. Has anyone realized that i...
by an_asker
Thu Jun 28, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 71
Views: 5320

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Still alot cheaper than Hotels if you dont need to be fancy. I use Airbnb almost exclusive. BTW if you have BOA cash rewards card they are giving 10% on airbnb I think you're missing the point that OP is making! :oops: How? OP said its a hassle and hotels are cheaper. When you look at Airbnb reserv...
by an_asker
Thu Jun 28, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 71
Views: 5320

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Ecorp wrote:
Thu Jun 28, 2018 9:50 am
Still alot cheaper than Hotels if you dont need to be fancy. I use Airbnb almost exclusive. BTW if you have BOA cash rewards card they are giving 10% on airbnb
I think you're missing the point that OP is making! :oops:
by an_asker
Thu Jun 28, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 71
Views: 5320

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I am not a regular Airbnb user but year or two back I dont' recall all these 'fees' roughly increasing the cost of a stay by often nearly 30-50% in some cases. Is this anyone elses experience? Its to the point where its cheaper to get a hotel room and not deal with the hassle. https://s15.postimg.c...
by an_asker
Tue Jun 26, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Timing exit from megacorp
Replies: 54
Views: 5886

Re: Timing exit from megacorp

Absolutely do the "most selfish" thing. You're not breaking any rules. Just acting intelligently. It's business, after all. This is not an answer. Why? Because "selfish" is very subjective, and can have many meanings. - if it means amassing the most money, then OP should not quit. Just keep pluggin...
by an_asker
Tue Jun 26, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1493

Re: San Antonio and Austin trip

baritone wrote:
Mon Jun 25, 2018 1:34 pm
alfaspider wrote:
Mon Jun 25, 2018 1:12 pm
Personally, I would wait another month before doing the trip if you have the ability. September can still yield triple digit temps.
And it will feel like triple digit humidity.
I wonder if that's how tripledigitgolfer really got his username ;-)

PS: Yes, I know how golf is scored lol ;-)
by an_asker
Mon Jun 25, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11733

Re: When did you start flying business class?

To BHs who regularly fly business class, when did you start? Was it after you reached a certain age? Reached a certain net worth? Was it worth it, in your opinion? My wife and I are in our early 40s. We will be travel to Asia soon. My MIL gently suggested flying biz class. I just couldn’t justify p...
by an_asker
Mon Jun 18, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7005

Re: can we afford to spend $20K on travel annually

I disagree. I am very diligent w getting deals and it looks like weve done a better job. For the past three european trips we managed to score tickets bw 500-600 you just have to look at the right airports and drive to them. If you want convenience from some midsize hub then yeah irs going to be to...
by an_asker
Mon Jun 18, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7005

Re: can we afford to spend $20K on travel annually

Traveler wrote:
Fri Jun 15, 2018 8:36 pm
Go! Travel! I make a bit over half of your income and my travel budget is $14K/year - the biggest line item in my budget.
That sounds about right :-)
by an_asker
Mon Jun 18, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4669

Re: African Safari: Worth it or Hype?

Lynette wrote:
Sat Jun 16, 2018 3:28 pm
[...]That lady would have been better off in a zoo.
I know you were not meaning this, but it comes out very funny ;-)

PS: I'm PMing you ...
by an_asker
Fri Jun 15, 2018 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7005

Re: can we afford to spend $20K on travel annually

[...]Most of it is about keeping hotel cost low. Kids really don’t care where you stay.[...] Gotta share something here. A few years ago, we reserved this log cabin in the Smokey Mountain area. While planning and driving up, we had discussed the possibility of there being bears in the area. Once we...
by an_asker
Fri Jun 15, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7005

Re: can we afford to spend $20K on travel annually

Do it while you can! We took our kids to Aruba several times when they were little. These days (17 and 21), summer internship, work, school/college vacations not lined up, decisions on where to go make it much harder for our family. We've decided to take a vacation this year which will have to wait...
by an_asker
Fri Jun 15, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7005

Re: can we afford to spend $20K on travel annually

Exafchick wrote:
Fri Jun 15, 2018 10:09 am
Anyone else think 39 is a bit young to be considered middle aged?!
Age is just a number. And "middle age" is just a mental state.

PS: Don't try to fight with the naysayers :oops:
by an_asker
Thu Jun 14, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2701

Re: Drive from Phoenix to San Diego

What a bunch of naysayers we have here! If those are the places you want to go, OP, your trip will be just fine. Sure, it is 108 right now (Thursday 1530hrs) in Phoenix. So what? You can see Grand Canyon easily in 2 days -- it's not like you are going to hike to the bottom with 2 kids. Joshua Tree ...
by an_asker
Wed Jun 13, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8952

Re: Getting killed on taxes - any ideas?

Thanks for the input everyone. To the posters who thought I was attempting to "humblebrag," I can promise that I wasn't. We only achieved dead broke (i.e., loans equaled assets) when I was about 35. We're now on the plus side by only a little bit. I recognize that our income is high. But as I had s...
by an_asker
Tue Jun 12, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8952

Re: Getting killed on taxes - any ideas?

I’m not fan of high taxes, but ... Your problem isn’t that you are getting killed on taxes. Your problem is that one or both of you don’t want to work very long, and you’d prefer to bank those taxes to get you closer to your goals. That’s not how things work. 401ks and perhaps an HSA are the big wa...
by an_asker
Mon Jun 11, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Can we discuss whisk?
Replies: 29
Views: 3021

Re: Can we discuss whisks?

123 wrote:
Sun Jun 10, 2018 11:49 am
Bogleheads really know how to cause a stir.
As a teetotaler, I find this topic too whisky for me to venture into ;-)
by an_asker
Wed Jun 06, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6172

Re: Need advice on 1st international vacation

And don't get me started about condiments. I was at a full service sit down restaurant in Venice, and I ordered hamburger and fries, and when the food came to the table, I realized there was no ketchup,.. Oh man. If you're ordering a hamburger and fries in Venice, you're doing it all wrong. If he w...
by an_asker
Wed Jun 06, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3890

Re: Can a physician work in tech while practicing as well?

Im really interested in expanding my abilities and challenging myself. I am a doctor about to finish residency. In a few years- maybe 3-4 years from now I would like to explore a path in tech but also continue practicing medicine at the same time. Maybe get a masters in engineering EE while working...
by an_asker
Wed Jun 06, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement
Replies: 41
Views: 2653

Re: Understanding Vanguard statement

Purchases and Withdrawals 60,250 Market Apprec/deprec 573 Div, interest and cap gains 8 Value on April 30 60,831 Mutual Funds Average price per share Total Cost Qty Price on 4/30 Bal on 4/30 Van intermed-term Bond index 11.43 15,006 1,312.89 11.47 $15,058 Van Total Stk Mkt Index 61.98 34,867 562.55...
by an_asker
Wed Jun 06, 2018 9:44 am
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement
Replies: 41
Views: 2653

Re: Understanding Vanguard statement

In case anyone likes numbers for clarity, like I do, I will lay it out with some example numbers. The Purchases and Withdrawals sum is, say, $40,000, then under Appreciation/Depreciation heading is an appreciation of value for the month of $1000, then a Dividend of $500. That adds up to $41,500. Th...
by an_asker
Sun May 20, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 4109

Re: Edelman & Financial Engines merging

One thing I don't understand about this forum - bash doctors (and/or their fees) and their brethren are up in arms against you; but bash a financial guy and his rivals pounce right on. Why don't we see similar behavior from doctors? In other words, if someone complains about paying an arm and a leg ...
by an_asker
Sun May 20, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage decision killing me
Replies: 52
Views: 6939

Re: Mortgage decision killing me

Hi, I have read the forums and talked to people, and it seems like there is not a right answer. However - I would love some input on my personal situation. It's my first home purchase, and all of these details are feeling overwhelming. Home: 1.3 mil Mortgage: 850k Age: late 30s, stay-at-home spouse...
by an_asker
Wed May 02, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Not Wasting Food
Replies: 60
Views: 3836

Re: Not Wasting Food

raveon wrote:
Wed May 02, 2018 3:22 pm
Eat less.
Buy less and take more care of what you buy.
by an_asker
Wed May 02, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter starting college and I am retiring
Replies: 45
Views: 4707

Re: Daughter starting college and I am retiring

No experience, but you might consider spending time in Florida while , according to the letter of the law, continuing to be a "resident" of Virginia. Florida doesn't have a state income tax. Virginia does. Were the OP to do this he'd have to keep paying VA state income tax . . . If OP is retiring, ...
by an_asker
Wed May 02, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Daughter starting college and I am retiring
Replies: 45
Views: 4707

Re: Daughter starting college and I am retiring

No experience, but you might consider spending time in Florida while , according to the letter of the law, continuing to be a "resident" of Virginia. Florida doesn't have a state income tax. Virginia does. Were the OP to do this he'd have to keep paying VA state income tax . . . If OP is retiring, ...
by an_asker
Fri Apr 27, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9837

Re: How did you tell the boss you're leaving/retiring?

El Greco wrote:
Thu Apr 26, 2018 8:27 am
by randomizer » Wed Apr 25, 2018 5:09 pm

I fantasize about this conversation almost daily.
+24

I fantasize about it almost hourly :D :D :D :D :D :D :D :D :D
Shouldn't that be a *24 as opposed to a +24? :confused
by an_asker
Fri Apr 27, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 6110

Re: How can I get a passport?

TravelGeek wrote:
Thu Apr 26, 2018 9:29 pm
[...] both USPS workers I interacted with were very friendly even though it was late in the afternoon.[...]
I've always noticed that the USPS workers are very friendly AND garrulous ... with everyone in front of me in the line :oops:
by an_asker
Fri Apr 27, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 6110

Re: How can I get a passport?

When I renewed my passport last year, I just walked in to the post office, took my picture and sent in the application form. Renewing a passport that is less than 15 years old is a lot less hassle than a new passport, or renewing one that is more than 15 years old. I'm about to renew my nearly 15-y...
by an_asker
Wed Apr 25, 2018 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Does it ever make sense to not contribute to retirement accounts?
Replies: 30
Views: 2541

Re: Does it ever make sense to not contribute to retirement accounts?

If I had an 8 figure net worth and was still reasonably healthy, I wouldn't a) work in the most commonly used sense of the word, b) worry about where I put the money and c) stay put in one place for any length of time (in other words, my life would be a lifelong travel vacation...) And I would defin...
by an_asker
Tue Apr 24, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1488

Re: Question charging smart phones

1. Aim to charge to almost 100% (so you don't run out of charge when you need it), start charging around 50%, and unplug once charged. HOWEVER... 2. Don't obsess over it. Charge your phone when you think you need it. Don't worry. Be happy. There are more important things in life to think about. Dud...
by an_asker
Tue Apr 24, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 11195

Re: Nomadic lifestyle in their 50s

Together for 20+ years. We are both in our early 50's with no children. - we have both done well in savings, no debt. - living in a downtown condo - no mortgage We already travel a lot on somewhat thrifty vacation (3 times a year) and family (2 times a year). Also my folks are getting older (late 7...
by an_asker
Tue Apr 24, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2872

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

I’ve paid income taxes and property taxes on credit cards several times. Did it in December and January to meet minimum spend to achieve Southwest companion pass status. Cost me about $400 in fees....but airline tickets for two trips this year that would’ve cost me $3700 are now free. And I’ll have...
by an_asker
Mon Apr 23, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.
Replies: 28
Views: 2872

Re: Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements.

Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements. I am looking to open some new credit cards for their rewards and need to spend at least $3k in 3 months for some of them. I am wondering if it is stupid or smart to pay estimated business taxes with credit card...
by an_asker
Mon Apr 23, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Question charging smart phones
Replies: 17
Views: 1488

Re: Question charging smart phones

I remember reading somewhere recently that it is better to recharge the phone a) when it has <20% charge left (but before it dies) and b) to 80+ percent (but not all the way to 100). Not that I've done it regularly until then ... or after reading the piece (though I've certainly become more consciou...
by an_asker
Mon Apr 23, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 10
Views: 1234

Re: Computershare Transfer Question

I'm getting ambiguous official answers. Has anyone here transferred shares from Computershare Transfer Agent to Vanguard? How was the process like and what specifically did you have to do to transfer shares? I only get annual statements from Computershare and I'm planning on mailing that, has that ...
by an_asker
Mon Apr 23, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 1074

Re: Car driver's power window - problem - ideas?

Our generally great 1998 Camry has an intermittent problem with the drivers power window. Occasionally, it stops part way doen - does nothing - then moves a little and, so far, eventually will close. Then, it is fine for a while. Last year, my wife had the motor (I think) replaced and it was fine f...