Search found 3119 matches

by Jags4186
Thu Apr 18, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $300 bonus for a new saving account
Replies: 26
Views: 3815

Re: Chase $300 bonus for a new saving account

I've done Chase 6 years in a row. This year I got a letter a week after opening the account in branch saying they were closing the accounts and sending me my money back. I fortunately had already ACH pushed to the account and when they returned my money it included the $300 checking bonus. Ugh. Hat...
by Jags4186
Thu Apr 18, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 4769

Re: Bogleheads privacy warning

livesoft wrote:
Wed Apr 17, 2019 8:06 pm
I think I'm good since at home we have no gold, no cash, no jewelry, no guns, no drugs, and not much of anything of value.
Same here. I do have booby traps. Lots of booby traps.
by Jags4186
Wed Apr 17, 2019 8:18 pm
Forum: Investing - Theory, News & General
Topic: How does Alliant Credit Union make money on their Credit Card?
Replies: 23
Views: 2082

Re: How does Alliant Credit Union make money on their Credit Card?

With Alliant Credit Union giving 3% flat cash back on all purchases on their credit cards, I wonder how do they make money on it. I believe that the interchange fee that they earn is less than the cash-back. There are absolutely no limitations on the cash-back except that it is for the first year a...
by Jags4186
Wed Apr 17, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3298

Re: Do you pick up after renting a vacation rental?

Whatever the contract says. If it says to strip beds and run the washing machine we do that. If it says put all trash in XYZ place we do that. I don’t trash places so cleanup is easy. I generally look at total cost. If one rental is $1000 with a $175 fee and another equivalent is $1200 no fee I’ll c...
by Jags4186
Wed Apr 17, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 27
Views: 1715

Re: Basement water issues

I think your best recourse is to sue the flipper and/or home inspector for failing to disclose this issue. This could be very difficult to do and the real issue is that the cost to sue could be greater than the cost to remediate. We looked into this on our house but let’s say we spent $10,000 on an...
by Jags4186
Wed Apr 17, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Basement water issues
Replies: 27
Views: 1715

Re: Basement water issues

We bought a house last year. The seller’s disclosure said it never had gotten water in the basement. In our first 3 months there we experience torrential rain (car floating away type of flooding in the area). Of course, we got water in our basement 3 times—and way more than just a “puddle”. Once I j...
by Jags4186
Tue Apr 16, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 139
Views: 11219

Re: In Laws Retirement Nest Egg

I would suggest it’s none of your business unless they ask for money.
by Jags4186
Tue Apr 16, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

No, she was already graduated from law school. An associate is a position at a firm. Most first and second year associates, i.e. first year and second year attorneys at big law firms, are given truckloads of mundane work. Those who survive move up, others burn out from the work and go to lesser fir...
by Jags4186
Tue Apr 16, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

No, she was already graduated from law school. An associate is a position at a firm. Most first and second year associates, i.e. first year and second year attorneys at big law firms, are given truckloads of mundane work. Those who survive move up, others burn out from the work and go to lesser fir...
by Jags4186
Tue Apr 16, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I’m not poo pooing a STEM degree. I think it’s wonderful if you are smart enough to make it. I happen to believe that for people who can get into the top schools in the country (and Berkeley, Michigan, UCLA are top schools) you will likely be somewhat successful in whatever path you choose. But not...
by Jags4186
Tue Apr 16, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I’m not poo pooing a STEM degree. I think it’s wonderful if you are smart enough to make it. I happen to believe that for people who can get into the top schools in the country (and Berkeley, Michigan, UCLA are top schools) you will likely be somewhat successful in whatever path you choose. But not...
by Jags4186
Tue Apr 16, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I’m not poo pooing a STEM degree. I think it’s wonderful if you are smart enough to make it. I happen to believe that for people who can get into the top schools in the country (and Berkeley, Michigan, UCLA are top schools) you will likely be somewhat successful in whatever path you choose. But not ...
by Jags4186
Tue Apr 16, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house?
Replies: 22
Views: 1797

Re: Can we afford this house?

How much other money do you have? $215k in retirement is light at your age and income levels.
by Jags4186
Tue Apr 16, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

I have a degree in history and a minor in music. I managed to get a job graduating in spring 2008 making $50k and I make triple that now. While the minor was just for fun, the utility of the history degree has been high in my industry job and most employers have been receptive to it. You’d be surpr...
by Jags4186
Tue Apr 16, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: What about IEOR at Berkeley vs CS at UMich/UCLA?
Replies: 52
Views: 2918

Re: What about IEOR at Berkeley vs CS at UMich/UCLA?

What ever happened to the idea of a liberal arts degree? You mean the liberal arts degree that is only really an option for rich kids who can mooch off their parents when they can't find a job after college? I mean, not everyone can afford to spend hundreds of thousands of dollars to debate whether...
by Jags4186
Mon Apr 15, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 84
Views: 5539

Re: Luxury car recommendations?

IMO you aren’t missing anything. I had a Benz for many years and it was honestly the worst car I’ve ever had. Within a week you will tire of the do-dads and nick-knacks (which all cost a fortune to fix). Buy a Volkswagen to get some higher build quality without the gimmicks and be done IMO. I would...
by Jags4186
Mon Apr 15, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Cash Back CC Question
Replies: 4
Views: 751

Re: Fidelity 2% Cash Back CC Question

What you describe is a cash advance. There is usually a 3% or 5% fee plus interest accrued immediately. There are no rewards for cash advances.

If you need cash out of the ATM from your CMA you should use your Fidelity debit card.
by Jags4186
Mon Apr 15, 2019 8:09 am
Forum: Investing - Theory, News & General
Topic: Financial Priorities - List
Replies: 19
Views: 1763

Re: Financial Priorities - List

"4) My list is very short: Emergency fund: done Term life: done Max out HSA: done Max out retirement accounts: done Invest excess into taxable accounts: done Pay off low interest rate mortgage according to schedule: in process" Missing some key items in most lists such as health insurance , home in...
by Jags4186
Mon Apr 15, 2019 7:58 am
Forum: Investing - Theory, News & General
Topic: Financial Priorities - List
Replies: 19
Views: 1763

Re: Financial Priorities - List

Insightful comments! A few questions: 1. Where would you rank term insurance? 2. In terms of debt, just to be clarify, would you add a 3rd category = medium / average? And would you place it immediately above the Trad IRA / Roth? Any other categories of debt? 3. If you had VUL instead of Whole life...
by Jags4186
Sun Apr 14, 2019 7:40 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2019)
Replies: 9
Views: 820

Re: madsinger monthly report (March 2019)

Hot hands is going 100% in to the best performing asset class from the prior year. "Hot Hands" is the previous calendar year's BEST Vanguard equity fund that is not a sector fund or high minimum, etc. It's not asset class based, unless the "best performing fund last year" was a targeted type (like ...
by Jags4186
Sun Apr 14, 2019 6:32 pm
Forum: Personal Consumer Issues
Topic: How to fix jerky images on streaming TV?
Replies: 29
Views: 1549

Re: How to fix jerky images on streaming TV?

After cutting the cord, I subscribed to YouTube TV with a Roku Streaming Stick+. Streaming to our 4 year old Vizio 52" TV has been problematic. Especially when watching sports, the images often become herky/jerky and robotic. I presume this is from buffering/interruptions in the streaming signal. I...
by Jags4186
Sun Apr 14, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: How to get rid of musty smell in house
Replies: 17
Views: 1469

Re: How to get rid of musty smell in house

When it rains a lot or gets very humid my house and especially my garage smells slightly musty. I think part of the problem is hanging too many damp things out to dry and possibly having the house get too hot while we’re away. Any tips for getting rid of the smell? You often hear about the new car ...
by Jags4186
Sun Apr 14, 2019 6:10 pm
Forum: Personal Investments
Topic: My pet peeve with Vanguard Personal Advisory Service
Replies: 14
Views: 2636

Re: My pet peeve with Vanguard Personal Advisory Service

It’s a tough business model to price. In order for financial advisors to be able to service people with small amounts of money they must make a lot of money from people who have a lot of money. While most on this forum have no need or use for a financial advisor, there are lots of people who need ha...
by Jags4186
Sun Apr 14, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2019)
Replies: 9
Views: 820

Re: madsinger monthly report (March 2019)

Hot hands is going 100% in to the best performing asset class from the prior year.
by Jags4186
Sun Apr 14, 2019 9:43 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6902

Re: If you have plenty of money, why not 100% stocks in retirement?

Define plenty of money? 40x expenses? 50x expenses? 100x expenses? 400x expenses? Stock market dropped 90% in the depression. If you had 100x expenses all of a sudden you’d only have 10x expenses. Would you feel secure then? A retired person can have financial objectives beyond supporting actual ex...
by Jags4186
Sun Apr 14, 2019 9:33 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6902

Re: If you have plenty of money, why not 100% stocks in retirement?

Define plenty of money? 40x expenses? 50x expenses? 100x expenses? 400x expenses? Stock market dropped 90% in the depression. If you had 100x expenses all of a sudden you’d only have 10x expenses. Would you feel secure then? A retired person can have financial objectives beyond supporting actual ex...
by Jags4186
Sun Apr 14, 2019 9:26 am
Forum: Personal Investments
Topic: If you have plenty of money, why not 100% stocks in retirement?
Replies: 107
Views: 6902

Re: If you have plenty of money, why not 100% stocks in retirement?

Define plenty of money? 40x expenses? 50x expenses? 100x expenses? 400x expenses? Stock market dropped 90% in the depression. If you had 100x expenses all of a sudden you’d only have 10x expenses. Would you feel secure then?
by Jags4186
Sat Apr 13, 2019 2:05 pm
Forum: Investing - Theory, News & General
Topic: 700 Years of Falling Interest Rates, 1310-2018
Replies: 56
Views: 5879

Re: 700 Years of Falling Interest Rates, 1310-2018

Thesaints wrote:
Sat Apr 13, 2019 1:11 pm
Italy 80% of economy in 1400 ??
Italy had the only banks for 100s of years. Makes perfect sense that all real money would funnel through there.
by Jags4186
Sat Apr 13, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3564
Views: 664895

Re: What's Your Credit Card Rewards Strategy?

I don’t know where the boogie man argument of “protections afforded individuals are not provided for business cards.” Please document for me what protections you are not getting. The only T&C that is negative on the business card vs the personal cards is that the rental car CDW is only for rentals ...
by Jags4186
Sat Apr 13, 2019 11:22 am
Forum: Personal Investments
Topic: Savings by 30?
Replies: 44
Views: 5258

Re: Savings by 30?

But I also understand some points that I’m only 30 once and to enjoy a little. I do try to enjoy a nice bottle of wine and go out to nice restaurants every once in a while. Need to enjoy your way to the top... am I right? Not too much. It’s fine if you decide spending money on $100 bottles of wine ...
by Jags4186
Sat Apr 13, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3564
Views: 664895

Re: What's Your Credit Card Rewards Strategy?

This seems like a good place to ask this question. If it seems more appropriate for a new thread, the mods should feel free to move it. The Chase Ink Preferred is currently offering an 80K point sign-up bonus. I already have the Chase Sapphire Preferred card, so this sign-up bonus is very tempting....
by Jags4186
Sat Apr 13, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Geico price too low??
Replies: 13
Views: 1129

Re: Geico price too low??

It is a hamster wheel. Definitely go to an agent. In fact go to multiple agents as most of them only quote for certain companies. Depending on your state you could have 100s of insurance providers that you’ve never heard of that only sell through agents. I used to have Geico and Progressive prior to...
by Jags4186
Sat Apr 13, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: Buying a new computer could use advice
Replies: 32
Views: 2612

Re: Buying a new computer could use advice

Mac Mini? Yes, except a decent mac mini will still be $1k, far exceeding the OP's budget of $500. Assuming this must be purchased from Best Buy. My recommendation: - Buy a computer for about $400 - Make sure it includes at least 8GB memory (prefer 16GB) - Budget $50 for a 256GB SDD, buy it at the s...
by Jags4186
Fri Apr 12, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: Help Me Move to Low Country USA
Replies: 22
Views: 2815

Re: Help Me Move to Low Country USA

I would hope you look to live on high ground in low country. Flooding will only get worse in the future.
by Jags4186
Fri Apr 12, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 4564

Re: YouTube TV is increasing their price - will you cancel it?

At the end of the day, even with the increase in streaming pricing across the industry, not being forced to rent or use the cable company’s equipment is a huge benefit of these services vs traditional cable. Frequently Comcast, Cablevision, Cox, etc. will advertise $79 or $89 double or triple play p...
by Jags4186
Fri Apr 12, 2019 9:15 am
Forum: Personal Investments
Topic: Are my 401k fees ridiculously high?
Replies: 32
Views: 2219

Re: Are my 401k fees ridiculously high?

My wife’s 401k is charged some percent quarterly although I have yet to figure out when they calculate that expense. On an approximately $80k balance she is hit up for around $50-$80 a quarter. Fortunately the plan only contains Vanguard admiral funds, but at the end of the day it’s still around a 0...
by Jags4186
Fri Apr 12, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Unique Hit and Run Situation
Replies: 29
Views: 3106

Re: Unique Hit and Run Situation

This was my experience with the police "investigation" of a hit and run. My son was rear-ended, got the license plate number, and driver took off. The police knocked on the door of the registered address, were told that the owner of the car did not live there any more. Police would not disclose any...
by Jags4186
Fri Apr 12, 2019 8:58 am
Forum: Personal Consumer Issues
Topic: Unique Hit and Run Situation
Replies: 29
Views: 3106

Re: Unique Hit and Run Situation

My dad was in the parking lot and his car got side swiped by a hit and run driver. A nearby shop owner saw the car and license plate so we reported to our insurance. It was an elderly lady who had a special handicap license plate where they have "DP" designation in California. When we reported to t...
by Jags4186
Fri Apr 12, 2019 7:00 am
Forum: Personal Investments
Topic: Savings by 30?
Replies: 44
Views: 5258

Re: Savings by 30?

Your savings goal is going to be based on your income. If you started work at 22 with no loans making $40k/yr and finished at 30 making $80k then you might have a nice chunk of change saved. Same person with $60k in student loans may not. Same person who got to live at home with there parents for 3 ...
by Jags4186
Wed Apr 10, 2019 11:50 am
Forum: Investing - Theory, News & General
Topic: Socially Responsible [Investing]
Replies: 54
Views: 3042

Re: Socially Responsible

I like socially responsible but it underperforms. Personally responsibility trumps social responsibility.
by Jags4186
Tue Apr 09, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 29
Views: 1888

Re: Infertility treatments/insurance/job situation

Posting to follow. We're both 37 and have been trying on and off for three years. I was surprised at the IUI cost, have done that once and the gyno plus fees was $400, non insurance covered. My wife hasn't been off other meds and health enough for IVF, but we're getting close to that becoming a rea...
by Jags4186
Tue Apr 09, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 29
Views: 1888

Infertility treatments/insurance/job situation

Hello all, This is hard for me to talk about but since we have been unable to conceive for over a year we have started to explore infertility treatments. I’ll apologize upfront if I’m a little scatterbrained in this post, but I have lots of thoughts/emotions I am hoping to talk through. Couple of th...
by Jags4186
Mon Apr 08, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3564
Views: 664895

Re: What's Your Credit Card Rewards Strategy?

Travel bloggers are angry about a recent announcement by United that they will eliminate award charts. Some blog visitors claim that it will make Chase's URs useless. I would like to understand the implications of the United's changes to adjust my credit card applications and points earning strateg...
by Jags4186
Mon Apr 08, 2019 7:48 am
Forum: Personal Finance (Not Investing)
Topic: can I afford second home purchase with retirement funds
Replies: 19
Views: 2317

Re: can I afford second home purchase with retirement funds

You can take a lot of nice vacations for the interest you’ll be paying on this loan. You’re considering interest only for two reasons

1) your payment is lower
2) you don’t plan on paying off the home

Personally, I think you should either buy the house or just rent something really nice every year.
by Jags4186
Mon Apr 08, 2019 7:14 am
Forum: Investing - Theory, News & General
Topic: Small Cap Growth and Large Cap Value focus. Why Small value??
Replies: 8
Views: 936

Re: Small Cap Growth and Large Cap Value focus. Why Small value??

You need to remember that the market determines what a Value and Growth company is, not the company. When people think a company is going to accelerate in growth, make a lot of money in the future, the stock price gets bid up on those expectations. For an individual investor to make real money on a ...
by Jags4186
Mon Apr 08, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 1910

Re: best card bonus for $500 in spend in 3 months

I'm under 45 and working on rolling the 7th figure for the 3rd time. OK now I have a few questions about this thread. Why do you care about $150? Believe me I have tapped the other cards with the $500 bonus a few times. The wife and I flip flop. This time I didn't want to go through changing my aut...
by Jags4186
Sun Apr 07, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7001

Re: Huge AIrBNB Cancellation Charge

Let's think about that. Let's say the host realized he had posted the wrong dates, and the room wasn't in fact available, and he realized this a couple hours later. I'd hope the renter would say, hey, no problem. I haven't made any plans yet. Stuff happens. Thanks for letting me know right away as ...
by Jags4186
Sun Apr 07, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7001

Re: Huge AIrBNB Cancellation Charge

8foot7 wrote:
Sun Apr 07, 2019 10:53 am
Even the airlines let you cancel with 24 hours unless you are within a 7 day window prior to departure.
Yes, because there is a law that says they have to.
by Jags4186
Sun Apr 07, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 7001

Re: Huge AIrBNB Cancellation Charge

Sure, he will learn a life lesson. But he would learn it even if owner refunded him all but $100-$200. Instead he will learn that some people are real jerks, and that gig companies like rideshare and the VRBO crowd like to have all the advantages of a single brand when it suits them best (VC fundin...