Search found 222 matches

by hale2
Tue Oct 29, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324180

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

So you first ACH the cash to that competitor, then transfer it as part of the account transfer :happy [ quote fixed by admin LadyGeek] Actually, this is exactly what I did. I had recently sold a property. To get the extra $300 bonus I transferred the funds from my bank account to a Vanguard short t...
by hale2
Tue Oct 29, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324180

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If you want to get on, you need to talk to a rep from your local office immediately. If your account title is not complicated (individual or joint), the transfer should complete in 3 or 4 business days. I can do it if I open a new account from that page, right ? My problem is I have a bonus in anot...
by hale2
Fri Oct 18, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]
Replies: 65
Views: 5848

Re: Buying after PR Crisis [Public Relations Crisis (Boeing 737 Max)]

Although I'm almost always a buy-and-hold investor and almost never buy individual stocks, I've been doing some short-term swing trading on BA and have made a little money since the second crash. This uses a small part of the cash in my overall portfolio. I believe there's a lot of irrational (i.e....
by hale2
Wed Oct 09, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: travel agent for cruise and discounting
Replies: 8
Views: 691

Re: travel agent for cruise and discounting

You might want to try CruiseCompete.com. Just enter the cruise you are interested in and travel agents will respond with quotes. Mainly the amount of onboard credit they offer is the difference between agents. +1 We have used cruise compete.com a couple of times. They give you quotes from 3 compani...
by hale2
Mon Sep 16, 2019 12:10 pm
Forum: Personal Investments
Topic: Selling Rental Properties. What to do with proceeds? 3 different scenarios
Replies: 17
Views: 1658

Re: Selling Rental Properties. What to do with proceeds? 3 different scenarios

I've been selling a property a year to take advantage of the hot market. I seriously considered DSTs. There are several well established, reputable companies. However, I decided against them due to the high fees. I understand the management fees, but some of the ones I looked into had purchase fees ...
by hale2
Sun Sep 08, 2019 12:55 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1550
Views: 163935

Re: [What TV Show Have You Recently Watched?]

Orange is the New Black , Series 7, on Netflix. This is the final season and I just watched the first episode. So far, I'm not impressed. Agreed. We liked the previous seasons but gave up on this season after the 3rd episode. I'm most of the way through Season 7. Although a few plots seem contrived...
by hale2
Sun Sep 01, 2019 12:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1550
Views: 163935

Re: [What TV Show Have You Recently Watched?]

LadyGeek wrote:
Sun Sep 01, 2019 9:54 am
Orange is the New Black, Series 7, on Netflix. This is the final season and I just watched the first episode. So far, I'm not impressed.
Agreed. We liked the previous seasons but gave up on this season after the 3rd episode.
by hale2
Wed Aug 21, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cut to take a federal job?
Replies: 26
Views: 2905

Re: Pay cut to take a federal job?

Yes. Most people that know me well have shared similar sentiments. This agency is an intel agency, but the group works on similar problems to one's I've worked on previously in my career. You are in a different situation from most feds by working in the intel community. You'll still have to deal wi...
by hale2
Tue Aug 20, 2019 3:53 pm
Forum: Personal Investments
Topic: Fidelity REITs
Replies: 13
Views: 1315

Re: Fidelity REITs

I'm not aware that Fidelity has an "in house" "REIT Index Fund" similar to Vanguard's VGSLX "Vanguard Real Estate Index Fund Admiral Shares (Expense Ratio 0.12%). . . also as a Vanguard ETF "VNQ". IMHO: A diversified REIT Index Fund is preferable over single REIT funds. FYI: more info on REIT's. NA...
by hale2
Mon Jul 22, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dogs and homeowners insurance company
Replies: 86
Views: 5398

Re: Dogs and homeowners insurance company

German Shepherd owner here. I haven't run into this problem with homeowners insurance but was initially denied an umbrella policy because I own two german shepherds. I wrote a scathing review on the USAA website since most MWDs are GSDs, for heavens sake. Someone from USAA called me immediately and...
by hale2
Tue Jul 09, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question about Medicare Part B Premium Amount of $135.50
Replies: 13
Views: 1310

Re: Tax Question about Medicare Part B Premium Amount of $135.50

For Federal employees, for example, the employer pays a share and the employee pays a share of health insurance premiums. The employer's share does not appear in either the pay stub or the W-2 and is not taxed. The employee's share is a payroll deduction that shows up in the pay stub and the W-2, a...
by hale2
Wed Jul 03, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: SF Bay area: high school and college apps
Replies: 18
Views: 1994

Re: SF Bay area: high school and college apps

I'm in an area with very good high schools, but some are better than others. It appears that the kids at the better, more competitive schools have higher acceptance rates to the UCs, so I'm guessing they aren't accepted purely on a set percentage from each school. As somebody mentioned earlier, the ...
by hale2
Tue Jun 25, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17511

Re: what was your worst major purchase mine is a 2019 mazda3

What would a prenupt in the first one have done? You spent the money on tuition during the marriage, correct? Nothing because I willingly spent most of my pre-marriage assets on paying off her pre-marriage debt (education and a car) and then cash-flowing her further education, but I made sure that ...
by hale2
Sun Jun 23, 2019 11:25 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 16904

Re: What percentage of total portfolio in REIT's do you have? Why?

I purchased several investment properties from 2010-2013 and have been selling them off over the last 2 years to take advantage of the strong market. Prior to selling, equity in my real estate portion was approximately 20%-25% of our total investment portfolio. After some sales it's down to around 8...
by hale2
Wed Jun 19, 2019 12:58 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 16904

Re: What percentage of total portfolio in REIT's do you have? Why?

For those inclined to investigate REIT's further, here is a link to the free subscription to REIT Magazine that "Abuss368" mentioned in a prior post. Complimentary "REIT Magazine Subscription". https://www.reit.com/news/reit-magazine/subscribe j *Universal Disclaimer :shock: Per forum guidelines: T...
by hale2
Sun Jun 16, 2019 1:57 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 9882

Re: How safe are pensions in the U.S.?

The CalSTRS system does have inflation protection and benefits are likely higher than for people in many other states. However, the cost of living in certain parts of California is hard for many to wrap their heads around as well. So, just add a zero at the end of whatever number you think is reaso...
by hale2
Sun Jun 02, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789074

Re: What's Your Credit Card Rewards Strategy?

It must be a recent change. I got the AA personal in January and the AA business in March. I was at 10/24. It had been almost 2 years since I churned them. I know I won't be able to get them again for 24 months after I cancel them.
by hale2
Thu May 23, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2549

Re: Weber vs Broil King Grills

I had a Broil King for 17 years. I would probably still have it if I had had space in my shipment when I moved. I never had a rust issue and the cast iron grids were great. The only issues were the wheels eventually rotted due to direct sunlight over the years, and I had to replace the burner after ...
by hale2
Wed May 15, 2019 3:55 pm
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7774

Re: Dividends almost Doubled between 2013 and now

Say dividends are desirable because they take cash away from executives that would spend it inefficiently. Then stock buybacks should be even more desirable because they do the same thing, but you'd pay less taxes on it. Buybacks also give the investors more flexibility: If you need more than the b...
by hale2
Mon May 13, 2019 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: FERS-Military Buyback and Early Retirement
Replies: 8
Views: 648

Re: FERS-Military Buyback and Early Retirement

For me it was a no brainer. I bought back 12 years. When I did it you didn't pay interest for the first 1 or 2 years (I can't remember). I paid it off before interest began to accrue. I calculated my break even point of 16 months into retirement. Remember, the years are added to the minimum number o...
by hale2
Mon May 13, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: Conversion Strategy and a market drop
Replies: 24
Views: 1807

Re: Conversion Strategy and a market drop

I'll preface this by acknowledging that we don't know if the tax cuts will expire or be extended, but I was wondering what people's thoughts might be about doing a Roth conversion after a large market drop, when you might end up in a lower bracket in retirement. During full retirement, I expect to b...
by hale2
Tue Apr 30, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2431

Re: Car insurance shopping - worth leaving USAA?

I asked Geico for a quote a couple of years ago and it was within a few dollars of what USAA was charging me. If you guys are getting such great quotes now I need to revisit Geico.
by hale2
Sat Apr 27, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is this too much house and am I getting away from my financial goal?
Replies: 13
Views: 1708

Re: Is this too much house and am I getting away from my financial goal?

You can afford it. Is it the best use of your money? Probably not. But it's something you have wanted, can definitely get enjoyment from it for both your family and entertaining. I would go for it.
by hale2
Sun Apr 21, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: CFP [Anyone here taken the CFP exam?]
Replies: 12
Views: 1741

Re: CFP [Anyone here taken the CFP exam?]

I used the Ken Zahn review. The pre-study material was mediocre, but the 2 day classroom training was outstanding.
by hale2
Fri Apr 12, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Tax: Schedule E
Replies: 8
Views: 977

Re: Tax: Schedule E

Keep the properties separate. This will make it much easier to account for depreciation for replacement items that are only for one of the units.
by hale2
Wed Apr 03, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4129
Views: 789074

Re: What's Your Credit Card Rewards Strategy?

So I’m back to use British Airways credit card rewards as a hedging strategy. Originally I was thinking of ditching it, except VOW airline went bankrupt, Norwegian Air could be in trouble too, so I might as well use this card to get first class tickets on British Airways. It does seem like first cl...
by hale2
Wed Apr 03, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?
Replies: 17
Views: 885

Re: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?

Miles bonus posted on my business card today. My personal card bonus posted in Jan/Feb.
by hale2
Tue Apr 02, 2019 2:58 pm
Forum: Investing - Theory, News & General
Topic: Can A Watch Be Considered An Investment?
Replies: 33
Views: 2343

Re: Can A Watch Be Considered An Investment?

I never knew there was a watch for TPS. When and where were they sold? Bremont, a UK watchmaker, has a lot of military watches available at about a 40% discount off retail. https://www.bremont.com/pages/military-watches Just send them a request and they will send you a form to fill out. You have to...
by hale2
Mon Apr 01, 2019 11:48 pm
Forum: Investing - Theory, News & General
Topic: Can A Watch Be Considered An Investment?
Replies: 33
Views: 2343

Re: Can A Watch Be Considered An Investment?

For those of us who followed some of your watch trading: Did you make or lose money overall? Aside from the G-Shock, what other watches do you still own? I lost $15k on $250k of buying/selling or 6%. Most of that was on 3 watches: 1. A Rolex sub that I overpaid for because it was from 1984 and I wa...
by hale2
Mon Apr 01, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Finish backyard before selling?
Replies: 25
Views: 2121

Re: Finish backyard before selling?

You also need to take a look at the competition in your neighborhood and price range. Some areas buyers will insist on everything being perfect, and aren't so price sensitive. Other places people will accept the yard condition because of either a good price or the market is hot and they are desperat...
by hale2
Sun Mar 31, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?
Replies: 17
Views: 885

Re: CitiBusiness AA bonus AFTER getting CitiPersonal AA Bonus?

I churned the personal in January and just finished the minimum spend on the business. You can get both since they are considered different products and don't fall under the 24 month bonus language. If it was 2 personal AA cards then the 2nd one would not be eligible because of the 24 month language.
by hale2
Fri Mar 29, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else get a huge tax increase due to SALT deduction changes?
Replies: 101
Views: 7738

Re: Anybody else get a huge tax increase due to SALT deduction changes?

https://www.fa-mag.com/news/many-rich-fretting-about-salt-didn-t-get-break-before-trump-law-43985.html About three-quarters of people who in past years paid more than $10,000 in state and local taxes had been required to take the alternative minimum tax, meaning they couldn’t have written off the SA...
by hale2
Fri Mar 22, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 174
Views: 23805

Re: Why should FEHB members buy Medicare Part B?

I am going to stay with Part B for now, precisely because of Victoria's point of overlapping security, but if I stay in high IRMMA brackets I may reconsider in the future, since I did save $55k in my HSA when I had the GEHA HDHP. Now that the HSA is with Fidelity, I need to look at the investment c...
by hale2
Sun Mar 10, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1962
Views: 324180

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I transferred assets back to Merrill Edge last November that had received a bonus from them about 2.5 years earlier. I received my $900 bonus a few weeks ago.
by hale2
Wed Feb 27, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3364

Re: Lease renewal: Complex raised rent by 6.5%

went ahead and drafted an email cc'ing the entire Houston executive leadership team and highlighted my specific grievances.. I may have missed it in your original post, but what are your "specific grievances," besides the rent increasing? Outside of the rent increase, the other items were garden va...
by hale2
Thu Feb 14, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 34547

Re: [2018 tax return - How does it compare to previous years?]

I live in a high cost area of CA. Total itemized deductions were down from $40,000 in 2017 to $26,000 in 2018 mostly due to SALT limit. My effective tax rate is lower in 2018 vs 2017 My taxable income increased by $15,000 in 2018, but my total taxes paid are $12,000 lower than 2017. I am sure not p...
by hale2
Wed Jan 23, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: REITS
Replies: 15
Views: 3450

Re: REITS

FWIW, Rick Ferri has long been a proponent of REITs and they are currently part of his Core 4 portfolios. He discusses them in his books and briefly on his website.
by hale2
Sat Jan 05, 2019 11:20 am
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 4878

Re: VG advises 15% International Bonds (VTIAX)... Why?

International bonds add more complexity and add slightly higher cost to a fixed income portfolio. IMO, they are not necessary and I do not recommend them . That being said, if someone believes the international bond story and wants them, I would not argue with them. Rick Ferri Really? https://core-...
by hale2
Fri Jan 04, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 6774

Re: Chase Sapphire Reserve

First I'm hearing about this card. I'm trying to figure out the catch. What am I missing? The points don't look attractive at all but the perks look like free money. This can't last, can it? The catch is you have to be able to qualify for it (high income or assets) and you are basically giving them...
by hale2
Fri Jan 04, 2019 5:21 pm
Forum: Personal Investments
Topic: VG advises 15% International Bonds (VTABX)... Why?
Replies: 48
Views: 4878

Re: VG advises 15% International Bonds (VTIAX)... Why?

International bonds add more complexity and add slightly higher cost to a fixed income portfolio. IMO, they are not necessary and I do not recommend them . That being said, if someone believes the international bond story and wants them, I would not argue with them. Rick Ferri Really? https://core-...
by hale2
Wed Jan 02, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 50
Views: 6774

Re: Chase Sapphire Reserve

Which one do you have in mind? If you are in a location with City National bank then it's Crystal card is considered the most valuable card -- $400 but with $250 in airline credits per AU, up to $1000. Otherwise it's the UBS card or the SunTrust card (Ritz-Carlton no longer accepts applicants) whic...
by hale2
Sat Dec 29, 2018 12:54 am
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 14811

Re: Core-4 Investing is LIVE! It really is this time!

I have updated all Core-4 Portfolio fund samples to include the new minimums for Vanguard Admiral shares. I've also change the Adviser Alliance page to the Adviser Marketplace page based on feedback I received. Alliance was too close to "endorsing", which was not my intent. No adviser listing on th...
by hale2
Mon Dec 17, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus™ World Elite Mastercard®
Replies: 40
Views: 3364

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

TravelGeek wrote:
Sat Dec 15, 2018 4:56 pm
Anyone know how long it takes after approval to get the actual card? I got instant approval and the card appeared immediately in my existing Barclays account. I did not opt for the $15 express delivery.
It took about a week.
by hale2
Thu Dec 13, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Apple Store For Vets & Active Military
Replies: 9
Views: 1585

Re: Apple Store For Vets & Active Military

Remember though, you'll have to pay sales tax, which could significantly reduce the 10% discount. If you're eligible for this you are also eligible to shop at a base exchange. No sales tax is charged there and they will match any advertised price. I've taken Best Buy ads in before so I'll get the Be...
by hale2
Wed Dec 12, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax assessments in California (assessors questionnaire)
Replies: 10
Views: 969

Re: Property tax assessments in California (assessors questionnaire)

I recently received a similar letter after adding square footage. I spent about 5 minutes filling out the form. I'd rather spend a few minutes and give them accurate data and not have them estimate the value. Do you really think a high tax place like California will be fair in their reassessment?
by hale2
Thu Dec 06, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1660

Re: Dishwasher stopped working well

I had a similar problem once with a different brand of dishwasher. Turned out that one of the electrical connections to the heating element in the dishwasher basic had come off. This prevented the dishwasher from heating up the incoming water, which made it not clean very well. I found it out by se...
by hale2
Tue Nov 27, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 28719

Re: Don't pay full price for SiriusXM radio

I thought I was getting a good deal by calling to cancel each year so they would drop the price to $99/yr. I just called to do the annual cancellation call. Taking the advice here, I said I still wanted to cancel when they offered $99/yr and they dropped it to $60/yr (with another $12 in taxes and r...
by hale2
Mon Nov 05, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 307
Views: 43417

Re: I’m still not a fan of international bond funds

Rick has a portfolio for everyone, even those who like international bonds! Here's his "Global Markets" portfolio: Total US Stock Market Total International Stock US Investment-grade Bonds International (hedged) Bonds Personally, I'm agnostic to international bonds. I think people don't need them, ...