Search found 1459 matches

by Jags4186
Fri Dec 15, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1104

Re: Need to find a Used/Refurbished Macbook Air

colleges have very good discounts to get these kids hooked on ecosystems early. Plus included tech support at the school. Compare prices at the school bookstore too Actually I do agree with this if the intent is to get the AppleCare warranty. When I was in college they offered AppleCare that lasted...
by Jags4186
Fri Dec 15, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Need to find a Used/Refurbished Macbook Air
Replies: 24
Views: 1104

Re: Need to find a Used/Refurbished Macbook Air

Always surprised how people don’t get internet sarcasm...

Just get her a new one off B&H Photo. They have the best prices on Apple equipment. If the worst scenario is that she pays $900 for a MacBook vs $700 for an equivalent windows computer it’s really not the end of the world.
by Jags4186
Wed Dec 13, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Putting a stop payment on credit card for broken TV
Replies: 11
Views: 660

Re: Putting a stop payment on credit card for broken TV

You have 60 days from the statement date on which the transaction first appeared to dispute the transaction, so I would give it some time first. Each issuer has its own rules and none have this rule as far as I’m aware. In certain circumstances you have up to 540 days to file a dispute. That said, ...
by Jags4186
Wed Dec 13, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 29
Views: 2779

Re: Vanguard will use blockchain to share index data

My question is if Vanguard can create a new ledger to take care of its needs what is driving the value of Bitcoin. It would seem to me if you need the use of a block chain ledger you would create your own. I don’t understand the demand of Bitcoin other than to say you have it. None of the Vanguard ...
by Jags4186
Wed Dec 13, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 29
Views: 2779

Re: Vanguard will use blockchain to share index data

My question is if Vanguard can create a new ledger to take care of its needs what is driving the value of Bitcoin. It would seem to me if you need the use of a block chain ledger you would create your own. I don’t understand the demand of Bitcoin other than to say you have it.
by Jags4186
Tue Dec 12, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3585

Re: best cashback credit card ?

This might seem like a dumb question but what does rotating categories mean? seems self explanatory but that would make it a pain in the butt if I am understanding it right. The categories (Restaurants, Wholesale clubs, gas, etc) rotate every month/quarter depending on the card. You can get 5% back...
by Jags4186
Tue Dec 12, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2130

Re: Cricket Wireless: What are the gotchas?

Any current Cricket Wireless users care to comment on your experiences versus AT&T, Sprint, Verizon, etc.? What are the gotchas? How can they offer pricing so much lower than the big name carriers? 1) Need to buy your phone at full price upfront or BYOD 2) Speed throttled to 8mbps unless you’re on ...
by Jags4186
Tue Dec 12, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 31
Views: 2347

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

Update: Direct manager met with me 1 on 1 with a long laundry list of areas I could improve on; perceived lack of enthusiasm recently on current projects, managing expectations, etc… most of the items appeared to be fished out from my coworkers so I feel like it's a bit manufactured to lay some gro...
by Jags4186
Tue Dec 12, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Canceling credit card and using rewards later?
Replies: 2
Views: 301

Re: Canceling credit card and using rewards later?

Hi, my Chase sapphire credit card is approaching 1 year and I intend to cancel before fee kicks in January. I still have some points remaining. Is it possible for me to book a hotel room few months down the road (say June)? Meaning it is possible for the hotel to "cancel" the reservation after I ca...
by Jags4186
Tue Dec 12, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: HDHP with HSA vs PPO breakeven point
Replies: 21
Views: 1049

Re: HDHP with HSA vs PPO breakeven point

If you're someone who goes to the doctor everytime you have the sniffles or you have a chronic condition that requires maintenance it might make sense to go with a PPO but I think most healthy people would be better off with a HDHP. In my case I went with a HDHP because the only situation I found it...
by Jags4186
Tue Dec 12, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2030

Re: NYC restaurant suggestion

Are you looking to spend $75-$100 for each of you or $75-$100 total? It will be hard to get a good meal for $100 bucks if you expect to get 2-4 drinks.

That said I really like Patsy's https://www.patsys.com/.
by Jags4186
Tue Dec 12, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Gift Card From Employer
Replies: 13
Views: 1357

Re: Gift Card From Employer

Employeres, if you're reading, if you're giving your employees gift cards and intend to report it on their W2....don't give them a gift card. Just give them it through payroll. No one wants a gift card that can only be used at one place, or even a Visa card that you can't deposit into the bank.
by Jags4186
Mon Dec 11, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless: What are the gotchas?
Replies: 38
Views: 2130

Re: Cricket Wireless: What are the gotchas?

Any current Cricket Wireless users care to comment on your experiences versus AT&T, Sprint, Verizon, etc.? What are the gotchas? How can they offer pricing so much lower than the big name carriers? 1) Need to buy your phone at full price upfront or BYOD 2) Speed throttled to 8mbps unless you’re on ...
by Jags4186
Mon Dec 11, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Advice on an international allocation fund decision: DFISX, DFCEX, DODFX, VFSVX, SFNNX
Replies: 3
Views: 295

Re: Advice on an international allocation fund decision: DFISX, DFCEX, DODFX, VFSVX, SFNNX

I would challenge you that the fixed income needs to be in the Roth due to expenses. If the money will be there for a significant amount of time the tax savings on your growth should more than make up for the increased expenses for fixed income in a 403b plan that you may not be in for that long due...
by Jags4186
Mon Dec 11, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Is a Fidelity VISA 2% cashback contribution to a Roth IRA tax-free?
Replies: 15
Views: 2277

Re: Is a Fidelity VISA 2% cashback contribution to a Roth IRA tax-free?

You have to remember -- money is fungible. It might help to separate in your mind the cash back reward from the Roth IRA contribution. Well sort of... but there is a non-linearity here you are missing. You earn 2% back if redeemed into an eligible fidelity account and something less than that if if...
by Jags4186
Mon Dec 11, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Pakistan Real Estate?
Replies: 38
Views: 3510

Re: Pakistan Real Estate?

I'd rather speculate in Bitcoin than in Pakistan, or any frontier market for that matter.
by Jags4186
Mon Dec 11, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Home Affordability
Replies: 6
Views: 728

Re: Home Affordability

We currently live in Chicago, and are both 32 You're looking at a PITI of around $3000/mo once you consider IL property taxes and a $500k home with a 30 year $400k mortgage. Are you comfortable making that payment every month? Factor in possibility of having children and adding another $1500-$2000 ...
by Jags4186
Mon Dec 11, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Sprint one year free - what an ordeal!
Replies: 12
Views: 1593

Re: Sprint one year free - what an ordeal!

Come on now, nobody is giving free cell service for one year without STRINGS! How could an unlocked phone work on the sprint network anyways? I believe the total cost is $12.99 for the 1 year for setup. It is a free offer, I wouldn't expect it to be easy since it's free, and unlocked phones that su...
by Jags4186
Sat Dec 09, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Did I make an irrevocable IRA mistake?
Replies: 6
Views: 645

Re: Did I make an irrevocable IRA mistake?

Just let it ride. If you ever are in a position where you have low income for a year you can always convert it if you choose.
by Jags4186
Sat Dec 09, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5845

Re: Does this happen to you? Educating friends about personal finance

I’ve been doing my best to try to avoid speaking about finances with people. It’s hard when you hear some of the crazy things people do. Recently had people tell me about the $1,000,000+ whole life policies they recently took out on each other. I actually laughed out loud. Didn’t know how to really...
by Jags4186
Sat Dec 09, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5845

Re: Does this happen to you? Educating friends about personal finance

I’ve been doing my best to try to avoid speaking about finances with people. It’s hard when you hear some of the crazy things people do. Recently had people tell me about the $1,000,000+ whole life policies they recently took out on each other. I actually laughed out loud. Didn’t know how to really...
by Jags4186
Sat Dec 09, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to you? Educating friends about personal finance
Replies: 104
Views: 5845

Re: Does this happen to you? Educating friends about personal finance

I’ve been doing my best to try to avoid speaking about finances with people. It’s hard when you hear some of the crazy things people do. Recently had people tell me about the $1,000,000+ whole life policies they recently took out on each other. I actually laughed out loud. Didn’t know how to really ...
by Jags4186
Fri Dec 08, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5763

Re: Mortgage as percentage of take-home pay

I think there is also an option many people forget. You can always save outside of the mortgage and make periodic lump sum payments and request a mortgage recast. That way your payments into the mortgage, while not changing the term of the loan, and providing you with immediate “income” in the form ...
by Jags4186
Fri Dec 08, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5483

Re: What do Bogleheads say when they don't want to spend money?

Question for you... When most people don't want to spend money on something, they often say they can't afford it. This is probably an accurate statement for most people to make. However, Bogleheads are not average, and it's definitely not accurate for many of us. We certainly can afford a lot of th...
by Jags4186
Fri Dec 08, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4102

Re: Does a Boglehead ever time the market?

I just did. I sold all of my taxable accounts this week in anticipation of a home purchase in the next couple of months. I gambled leaving all the money in the market for the last year and it paid off. But now that a home purchase seems like reality vs pie in the sky talk I took money off the table....
by Jags4186
Thu Dec 07, 2017 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Please check my HSA math (payroll deductions vs. non-payroll + FICA)
Replies: 8
Views: 625

Re: Please check my HSA math (payroll deductions vs. non-payroll + FICA)

Hard to make accurate predictions when SS is likely to be different 20 years from now. Take the guaranteed tax break now IMO.
by Jags4186
Thu Dec 07, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15239

Re: A good friend has nearly $1M in BitCoin what do I tell him?

$1.6 million is life changing money to almost anyone. Your friend has hit the lottery and should cash out. This is like that deal or no deal show where you have a guaranteed payout but you keep holding out for more eventually losing it all. Unless this money has no utility for him I can’t imagine co...
by Jags4186
Thu Dec 07, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Re-inventing career in mid 30s? Law? Tech? Sales?
Replies: 18
Views: 2230

Re: Re-inventing career in mid 30s? Law? Tech? Sales?

Not law, and especially not law if your sole reason for doing it is a desire to become an Assistant US Attorney. Those jobs are hard to come by, and they don't hire many (or any, in most districts) recent law graduates. You'd have to grunt it out for years in a low-pay state prosecutor's office bef...
by Jags4186
Thu Dec 07, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5763

Re: Mortgage as percentage of take-home pay

Isn't paying down a mortgage considered saving once you exclude the interest paid since that doesn't increase your ownership percentage of the house? nickjoy, How does that help you financially until it is totally paid off? It does not. Let's assume that you have a 400K house, 300K mortgage, and 10...
by Jags4186
Thu Dec 07, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5763

Re: Mortgage as percentage of take-home pay

KlangFool--- Is rapid mortgage payoff (10 years instead of 30 years) considered savings? Klangfool doesn’t consider a house an asset. So judging by that logic, paying off in 10 years means throwing significantly more money away every month but for a shorter period of time vs throwing away less mone...
by Jags4186
Thu Dec 07, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 190
Views: 17937

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

You do realize that the implementation of Bitcoin itself was experiment at a possible solution to the the complete lack of faith in governments and central banks where banks are bailed out by printing money out of thin air at the expense of everyone whose money is devalued? Was money really devalue...
by Jags4186
Thu Dec 07, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5763

Re: Mortgage as percentage of take-home pay

No more than 2x your gross annual salary for the size of your mortgage. I like this rule. It prevents you from becoming house poor. If this was a universal standard, realtors would need to survive on cat food. Let's look at the Top 25 Metro Areas per US Census and compare median household income, m...
by Jags4186
Thu Dec 07, 2017 8:00 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency marketplace hacked, pilfered for +- 60 million
Replies: 10
Views: 1939

Re: Cryptocurrency marketplace hacked, pilfered for +- 60 million

Bank gets "robbed", all my money gone, FDIC gives me a check.
Bitcoin gets robbed, all my money gone, ???

I still don't get the store of value point of Bitcoin.
by Jags4186
Wed Dec 06, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4905

Re: I received a speeding ticket via mail from IA - should I pay it?

Why anyone thinks they can get one over the government is beyond me,,,
by Jags4186
Wed Dec 06, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage as percentage of take-home pay
Replies: 79
Views: 5763

Re: Mortgage as percentage of take-home pay

Define take home pay. Define mortgage payment. My take home pay would certainly be higher if I didn’t contribute to 401k or HSA. Is someone who makes less money than me but doesn’t contribute to their 401k therefore having a higher net paycheck able to afford a more expensive home? Mortgage payment ...
by Jags4186
Wed Dec 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1836

Re: Inexpensive way to ship heavy item...

Will the company reject a return for refund? If so you should try to file one of those return protection claims if your credit card offers it. Many times they say they want you to send them the item but I find that they don’t most of the time. You could get your refund and the item. Great idea. I"l...
by Jags4186
Wed Dec 06, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1836

Re: Inexpensive way to ship heavy item...

Will the company reject a return for refund?

If so you should try to file one of those return protection claims if your credit card offers it. Many times they say they want you to send them the item but I find that they don’t most of the time. You could get your refund and the item.
by Jags4186
Wed Dec 06, 2017 7:26 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5809

Re: It's that time of year again... buying christmas gifts

I’m shocked you guys give your boss gifts. I would never give my boss a gift. my boss is great, and i am so appreciative of being employed. I am so fortunate to be born in this country and have such opportunities in corportate america. My boss deserves 10x what i am getting him. :o LoL. Unless your...
by Jags4186
Tue Dec 05, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 31
Views: 2347

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

OP,

Also, I forgot to ask, is the 4% increase going to be considered your raise or is this an off cycle increase? You could get 4% and then get another 4% or so in the next few months.

All things you need to get clarified.
by Jags4186
Tue Dec 05, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 31
Views: 2347

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

OP, Would accepting the promotion require you to do more work/work longer hours or is it simply a title change with offloading of some responsibilities while bringing on new ones. If it is this type of promotion, I would recommend taking it for the 4% raise (of course push for more), stick it out fo...
by Jags4186
Tue Dec 05, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 7062

Re: Lowering My Grocery Bill

You lower your bill by changing what you eat or strategically shopping. It’s tough to do with 2 people to be honest. We spend around $500/mo on groceries as well but that includes things like detergent, paper towels, etc. Anything we buy at the super market. Strategically shopping could mean buying ...
by Jags4186
Mon Dec 04, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Europe Suggestions
Replies: 44
Views: 2770

Re: Europe Suggestions

Not sure your interests but if this is like a once in a lifetime type trip it’s hard to pass up on Rome and the Vatican. You can see 5,000 churches in Europe or go to St. Peter’s and realize everything else will be hohum after that. Will save you a bunch of time to be honest. :D
by Jags4186
Mon Dec 04, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5809

Re: It's that time of year again... buying christmas gifts

You could tell people that in lieu of Christmas gifts, you will donate an amount to the charity of their choice. That's my default, not just for Christmas, but for many other events. People seem quite happy to do this. The Human Fund does great work. Ugh. You beat me to it. Happy Festivus! http://f...
by Jags4186
Mon Dec 04, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3374

Re: Understanding the World of Credit Card "Points"

I've recently become aware that there is a whole world of credit card points out there. Yes, I was vaguely aware of this, but I ignored it completely - just didn't have time to deal with it. However, now I've listened to a few financial podcasts where "experts" in this area of commerce are intervie...
by Jags4186
Mon Dec 04, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Did I miss the Boat ??. What is everybody's take on RE trend in NY Tri-state ??
Replies: 5
Views: 608

Re: Did I miss the Boat ??. What is everybody's take on RE trend in NY Tri-state ??

toomuchRE wrote:
Mon Dec 04, 2017 1:34 pm
Looks like the house prices keep going up. Did I miss the boat??.
Tell me about it. It’s amazing what tiny homes built in 1930 with huge property taxes cost.
by Jags4186
Mon Dec 04, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Trip to Los Cabos - do I need to have Pesos?
Replies: 12
Views: 1204

Re: Trip to Los Cabos - do I need to have Pesos?

Hello, I will be staying in an All Inclusive resort in Los Cabos, MX and also not renting any car. I am planning to take some excursion trips for which they take US dollars. However, I might be hiring taxi to go here and there Questions: - Do I need Pesos to give to tax drivers or they also take US...
by Jags4186
Mon Dec 04, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5809

Re: It's that time of year again... buying christmas gifts

Caduceus wrote:
Mon Dec 04, 2017 6:26 am
You could tell people that in lieu of Christmas gifts, you will donate an amount to the charity of their choice. That's my default, not just for Christmas, but for many other events. People seem quite happy to do this.
The Human Fund does great work.
by Jags4186
Sun Dec 03, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5809

Re: It's that time of year again... buying christmas gifts

I’m shocked you guys give your boss gifts. I would never give my boss a gift.
by Jags4186
Sun Dec 03, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Buy Warranty for Bosch Appliances?
Replies: 15
Views: 897

Re: Buy Warranty for Bosch Appliances?

Citi Double Cash offers 2 year extended warranty as well as price protection. This is why I suggest everyone have this card and put major purchases on it. Citi is the only credit card company that I know of offers 2 years extended, most only offer 1.
by Jags4186
Sun Dec 03, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Housing Heuristics - Rising Income
Replies: 15
Views: 1145

Re: Housing Heuristics - Rising Income

Not everyone’s income is on a linear up trajectory. Bonuses come and go, industries boom and bust, individuals go through personal ups and downs which affect their work. Buy what you can afford now and if you find yourself making significantly more money move up later on if you so desire.