Bogleheads.org

TheRightKost87

HEDGEFUNDIE wrote: ↑Mon Mar 30, 2020 10:46 am I have proactively forgiven my tenant's rent for three months.

Not his fault I chose to leverage up my investment property with a mortgage.

Can I move in too? I could go for 3 months of rent-free living.

TheRightKost87

I had two flights booked on JetBlue that were set to be taken last week and in a few weeks. One I had no problem at all cancelling, even though I booked it before they started saying that all tickets books were refundable due to the virus, and I got my points/cash refunded instantly. The other, was ...

TheRightKost87

02nz wrote: ↑Thu Mar 19, 2020 6:01 pm January 20, 2021.

A familiar face brings stability to the market?

TheRightKost87

grandmacassie wrote: ↑Thu Mar 12, 2020 10:48 am Ummm, is there anything germier than cash money? If I withdrew any, I'd likely run it through the wash before using it!

Are you saying you're advocating for laundering money?!

TheRightKost87

I did this. About a month and a half ago I booked two tickets to Aruba for the end of this month for the points equivalent of $1500. JetBlue was offering no cancellation fees, and the points equivalent price had dropped to $900 for the two tickets. I cancelled, and was able to rebook on the same fli...

TheRightKost87

If you don't pay it, don't be surprised if you are charged the cost of the violation plus other fees by the rental car company. Yeah I think this is going to be my problem. And the rental agreement had my work credit card on it so then they'd charge that and I'd have an even bigger mess. You asked ...

TheRightKost87

Is the big run up on Friday afternoons a result of traders trying to front-run the large purchases they expect from 401K contributions from a large portion of investors hitting at the close on Friday?

TheRightKost87

Sure, but that's because you earned more money from your next paycheck, that has replenished the money that you LOST in the stock market. Yes, AND now you're ahead. If you couldn't control losing the $500 and now you put it back in, it's NOT IN VAIN. THat's ALL I'm saying. Nothing more. Ok. And now...

TheRightKost87

Sure, but that's because you earned more money from your next paycheck, that has replenished the money that you LOST in the stock market.

But I have a feeling you knew that already.

TheRightKost87

I hope for the sake of OP's finances, that this is just a bit of trolling.

TheRightKost87

I logged in, and didn't see any issues. They did have a notification that they are experiencing technical difficulties though.

TheRightKost87

Yes, there's a prominent Healthcare conference that has been held annually in SF for years. It was a mess around the area with the tent cities, and seemed fairly rundown which is shocking for a city with so much business/industry going on. I believe I heard that bank was planning on moving the confe...

TheRightKost87

Stocks are in free fall right now. Finally! I hardly call an about 1 percent drop “in free fall.” I know you’re rooting for a big drop. Seriously though, while I like buying stocks “on sale” I really have a hard time rooting for big drops due to the negative impacts it can have on peoples’ actual l...

TheRightKost87

Stocks are in free fall right now. Finally! I hardly call an about 1 percent drop “in free fall.” I know you’re rooting for a big drop. Seriously though, while I like buying stocks “on sale” I really have a hard time rooting for big drops due to the negative impacts it can have on peoples’ actual l...

TheRightKost87

My renewal date is later this month, which is before the increased annual fee goes into effect. I'll likely renew for this year, and try to use all my stored up URs at the 1.5x multiplier value before this time next year, at which point I'll likely cancel. I really like this card, but it's not a sur...

TheRightKost87

Not that I'm advocating for this, but you could take equity out of your home without selling it to purchase a new one.

That would cover your reason 1. Wouldn't do much for reason 2 though.

TheRightKost87

My biggest thing is to keep close tabs on subscriptions. The recurring cash outflows sneak up on me much more than big ticket one-time expenditures. Until you total up how much you're spending a year on Cable, Cell Phone, Streaming Services, Office365, Magazine/Newspaper, Wine Club, Meal-kit service...

TheRightKost87

Lexington and Concord (but my wife favors Salem) Something that gets us out on the bay/water - boat or ferry or the like, day trip, possibly to a nearby destination, possibly just a harbor tour type thing. Open to suggestions. Lexington and Concord will be tough without renting a car. Going to have...

TheRightKost87

I generally use my Chase UR to book travel on their portal. I find this is generally close to the best use for these points when doing somewhat "basic" travel, i.e. a domestic flight or a hotel. I'm planning on cashing out my Amex MR to Schwab for the 1.25c/pt. The reason for that is that ...

TheRightKost87

Very sad to hear the news of the passing of such a great and influential man.

My financial life is in the good shape it's in thanks to his principles, and his dedication to the "little guy". RIP.

TheRightKost87

1987.12

TheRightKost87

pennstater2005 wrote: ↑Thu Oct 11, 2018 2:54 pm Why is anyone surprised by good natured but off topic responses? That is Bogleheads.

I was surprised we didn't get the obligatory "Not enough information" posts.

TheRightKost87

I have never gotten a flu shot in the past.

However, this year my company is offering $100 to employees for getting the shot on site. So sure, I'll let them inject me with influenza for $100

TheRightKost87

Read up on the churning subreddit and I really like Doctor of Credit as well. Definitely start with Chase. You can always downgrade cards to no annual fee versions if you don't want to pay the fees and can't use the points by the time your annual fee comes due. If you have a business (or can at leas...

TheRightKost87

Wellfleet wrote: ↑Fri Jun 15, 2018 12:35 pm
B4Xt3r wrote: ↑Fri Jun 15, 2018 12:32 pm
Like I don't wish to pay taxes.
Live in New Hampshire then and commute down 495.

NH property taxes are actually the highest of the bunch

TheRightKost87

The Beer Bible by Jeff Alworth is teaching me a greater appreciation for a product I enjoy. The book discusses how beer is made, the history and characteristics of different styles, and how to taste beer to pick up the nuanced flavors. It's fascinating learning how cultural and legal nuances explai...

TheRightKost87

It would make more sense to put the rest of your regular spending on the 0% APR card, and use the cash that would have gone towards paying off that credit card towards the mortgage until you neared the end of the 0% APR promo period when you need to scale back the mortgage payments to payoff the cre...

TheRightKost87

But Capital One was the worst. Their recent letter specified a lack of credit history as the reason for rejecting my application, and they provided no phone number. So I wrote them, informed them I have freezes and that I would be happy to lift one if they specify the bureau and date. No joy, Capit...

TheRightKost87

I never used those benefits, so I'd much prefer them cutting those benefits as opposed to dropping it to even a 1.95% cashback card.

TheRightKost87

Go and enjoy! Just make sure you factor in everything. Two tickets, airfare, lodging, and spending money may end up running you close to $5K all in. Just try to not to think about how that $5K might be able to get you a house in Cleveland

TheRightKost87

I don't mean to be confrontational, but I'm really befuddled. Do some of you really not recognize the superior service you are getting at a restaurant that serves multi-hundred $ bottles of wine over Olive Garden? I definitely notice it, although it's not something I request or even desire. I do ti...

TheRightKost87

The problem I see with the 5th night free is it requires you have enough points to cover the first four nights (which I don't have - at least not at properties where DW and I would want to stay). In terms of value per point, I stayed at a Hyatt in downtown Nashville last fall. Cash room cost would ...

TheRightKost87

I have had a little over 100K marriot points for several years now and find it very difficult to use them. Most hotels we would want to stay in are category 8 or 9 requiring 40K to 45K points per night. So we can get only two nights. What's wrong with getting two 'free' nights at, what appears to b...

TheRightKost87

Darth Xanadu wrote: ↑Fri May 18, 2018 2:34 pm This thread should be renamed to "Most creative rationalizations for stiffing restaurant workers"

That'd be a good one.

Either that, or "Most creative rationalizations for overpaying restaurant workers"

TheRightKost87

The "amount of work" justification for going cheap on the wine is equally applicable to going cheap on the food. If you went to a 5 star restaurant that you needed reservations months in advance just to get a table, would you tip the same amount as if you ate at Chilis because it's the sa...

TheRightKost87

I always tip 20%+ on food. Even when ordering drinks, I'll usually still tip about 20%, against my better judgment. It's somewhat rare that I order a bottle of wine at dinner though. you want to short the wait staff their tip on wine I don't look at it this way, for this reason: They don't put in an...

TheRightKost87

How long do you have until retirement? The way I'd look at it is: if you're 20 years from retirement at your current job, would you rather continue to work with the flexibility/balance you have for 20 years, or work in the new environment for 16 years (20% less time as you're making 20% more money)....

TheRightKost87

I'm surprised at how many people think "best and final" always means "best and final" from the seller's perspective. I think that's naive. When we bought our house we were told "best and final", and we submitted an offer. The next day the seller's agent came back to us ...

TheRightKost87

I recently bought my own modem (to make renting one no longer necessary) that wasn't telephone compatible. I was fine with that as I never used the telephone service anyways, and only had it as the bundle was cheaper than cable and internet by themselves. Well, Comcast realized that I now had a mode...

TheRightKost87

This is why loan forgiveness shouldn't be a thing.

TheRightKost87

I don't see how using home equity as a percentage of net worth makes any sense to determine "house poor" Say you have a $300K house with $100K in equity in it, and you have cash/investments of $100K making your home equity/net worth a 50% ratio. If I offer to pay off your mortgage for you,...

TheRightKost87

HCOL area. $20 for the cut, I have a beard so getting that trimmed and lined up is an extra $3. I generally tip to $30 as my barber is a good friend of mine (from before I started going to him as a barber).

TheRightKost87

jlcnuke wrote: ↑Tue Nov 28, 2017 10:38 pmThen again, for all I know, 15 of the top 10 companies in the S&P 500 will file bankruptcy next year... I can't predict the future.

15 of the top 10? That'd be quite the feat for sure.

TheRightKost87

DW isn’t over 40 is she, and they’re trying to replace her with someone younger? Or a woman that’s being replaced with a man? Or a racial minority being replaced by someone white? Is this retaliation for being a whistleblower in some way? Anytime I hear about a company trying to get rid of an exper...

TheRightKost87

SVT wrote: Really disappointed I missed out on another $200+ and the CP from just the signup bonus though.

Can't hurt to send a secure message to Chase asking to be matched to the 60K offer.

TheRightKost87

I also work in tech. I don't purposefully tilt away from tech, however I do have a pretty strong value tilt to my equity allocation. Since tech has more growth companies and less value companies, I've ended up with a slight de facto tilt away from the tech sector.

TheRightKost87

My company just put in a match this year. They match 25% of contributions, up to 5% of the employees salary (that's base salary, excluding bonuses, and in my company our bonuses make up a significant portion of our total comp). The employer contribution is fully vested if you've been at the company ...

TheRightKost87

I would like to get CSP again, but I think I need to wait for 24-25 months to pass from when I closed out my last CSP (that might not be till early 2018). I believe you only have to wait 24 months since the last time you received the signup bonus to be eligible to get the bonus on the CSP, not 24 m...

TheRightKost87

DaftInvestor wrote: The car went through a red light

How do you know this? All we've learned here is that the SIL took a right on red and a law firm in Texas alleges that the driver owes a fine.

TheRightKost87

Snapchat is very popular with kids, my 10 year old use it all the time. How much revenue do your kids provide to SNAP? I'm not sure if SNAP has disclosed how much ad revenue they get per subscriber, but if they have I assume it'd be in their S-1 https://www.sec.gov/Archives/edgar/data/1564408/00011...

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