Search found 2580 matches

by Jags4186
Sat Dec 08, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus™ World Elite Mastercard®
Replies: 7
Views: 636

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

You can redeem for cashback, but you will get 50% the value.

Here’s what you do. Book a very expensive refundable airline ticket. Redeem your points towards this charge. Then cancel the ticket and get a refund.

I recommend JetBlue as they let you cancel online very easily.
by Jags4186
Sat Dec 08, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6817

Re: Anybody Miss the Crypto Rage on BH Forums

J G Bankerton wrote:
Sat Dec 08, 2018 6:41 pm
Jags4186 wrote:
Sat Dec 08, 2018 5:10 pm

I always thought the commission was 5%.
I looked, that 10% is car auctions. Fancy crap can be 25%
https://www.christies.com/features/guid ... lang=fr-fr
Very interesting! Quite a haircut...
by Jags4186
Sat Dec 08, 2018 5:10 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6817

Re: Anybody Miss the Crypto Rage on BH Forums

For one thing, the bid-offer spreads are huge (I think Sotheby's and Christies charge 25% commission). The buyer pays 10%. I sell loosie cigars on the corner. Stand on the corner, get money and **** *******. I always thought the commission was 5%. That’s why historically bids were placed in Guineas...
by Jags4186
Sat Dec 08, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1484

Re: iPad Pro vs Microsoft Surface

I think the big issue with the surface is that it isn’t as good a tablet as an iPad and it’s not as good as a dedicated laptop. I would suggest getting an actual thin and light laptop over the surface. XPS13 is a great little machine and if you’re clever about stacking coupons and discounts you can ...
by Jags4186
Sat Dec 08, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: iPad Pro vs Microsoft Surface
Replies: 15
Views: 1484

Re: iPad Pro vs Microsoft Surface

I’ve used an iPad as my main computing device for 3 years now. I recently upgraded to the 12.9” iPad Pro. I’ll give pros and cons: Pros: Huge screen (much larger than the 13.3” screens on laptops. This is due to the 4:3 aspect ratio. I would venture to say the screen is 30% larger than the screen on...
by Jags4186
Fri Dec 07, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1945

Re: Do I have a rebate, subsidy, savings for you!

Grocery Store: Not sure what changed. If you know your prices and your values you will recognize that many of the sales and specials are only to try to get you to buy certain brands, certain foods, certain items WHILE there are a few gems in the sales - a few loss-leaders worth buying. Not sure how...
by Jags4186
Fri Dec 07, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Do I have a rebate, subsidy, savings for you!
Replies: 23
Views: 1945

Re: Do I have a rebate, subsidy, savings for you!

We have definitely added gamification to the way we consume. There are a few things to consider: 1) Competition has never been greater 2) Consumers are more knowledgeable than ever 3) Products, for the most part, have never been this good and certainly have never been cheaper. You get way more for y...
by Jags4186
Fri Dec 07, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2895

Re: Climate Concerns re: small Jersey Shore Vacation Home

My family has a shore house in NJ - when shopping we used the FEMA flood maps, we looked at areas that had little to no flooding during hurricane Sandy, and properties where the garage is on the first floor and the house starts on the second floor or properties that are built on a mound (pretty com...
by Jags4186
Thu Dec 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Housing values may fall as baby boomers die off or sell off, two studies say
Replies: 21
Views: 2372

Re: Housing values may fall as baby boomers die off or sell off, two studies say

Real estate is local. If you live where the jobs are housing will be expensive. If you live where there is job exodus, housing will be cheap. The push to live downtown in city centers may work for the young but it doesn’t work for the middle aged with children. What I suspect we have seen is that as...
by Jags4186
Thu Dec 06, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell?? 1,118.75% gain!!
Replies: 26
Views: 3763

Re: Should I sell?? 1,118.75% gain!!

Hey everyone, a few years back I dabbled in penny stocks and foolishly bought some terrible stocks that. 7 years later I only buy index funds but in my old scottrade account I had $8 worth of stock that I purchased for $133. I never sold them because it wasn’t worth selling over $8 and plus the com...
by Jags4186
Thu Dec 06, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8441
Views: 1662357

Re: U.S. stocks in freefall

ruralavalon, Can you imagine what this thread would have been like on 10-19-87? Been there, done that. It was not pretty. Greg What always gets lost in that conversation is that 1987 was an up year. Sure not a great year at only a 5.7% return, but it was in the middle of a decade that had only 1 do...
by Jags4186
Wed Dec 05, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 6817

Re: Anybody Miss the Crypto Rage on BH Forums

fennewaldaj wrote:
Wed Dec 05, 2018 4:52 pm
Jack FFR1846 wrote:
Wed Dec 05, 2018 2:21 pm
Magic the Gathering cards
FWIW many old magic the gathering cards are worth far more than they were in the initial mid 90s boom. LIke 20x.
Yes, earlier this year an Alpha Black Lotus sold for over $87,000.
by Jags4186
Wed Dec 05, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Protective LI vs RiverSource LI
Replies: 7
Views: 822

Re: Costco Protective LI vs RiverSource LI

I recommend you use a service like selectquote or Geico where they search through dozens of providers. You can then select the one which is least expensive. Life insurance shouldn’t be complicated or require customer service. Just a check in case the unfortunate happens.
by Jags4186
Tue Dec 04, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4095

Re: Will we make it saving only in employer plans?

Generally when people make what you do and are struggling they also have a BMW and Mercedes in the driveway, go to Europe or the Caribbean multiple times a year, live in a gorgeous 3000sqft home, and have some sort of expensive hobby. All of these things sound fabulous to me. If the OP is doing all...
by Jags4186
Tue Dec 04, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4095

Re: Will we make it saving only in employer plans?

OP, You make $275k/yr. Out of that you save $37k/yr. I suggest you have a spending problem. How much are your car leases? How much is your boat payment? How much do you owe on your house? How many vacations do you go on a year? How much do you spend on eating out and on alcohol every month? What oth...
by Jags4186
Mon Dec 03, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: What percent of Managers beat the market BEFORE fees?
Replies: 94
Views: 5910

Re: What percent of Managers beat the market BEFORE fees?

This question is like asking “what percentage of gamblers beat the casino before the rake?”
by Jags4186
Mon Dec 03, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp vs Small Company
Replies: 23
Views: 1914

Re: Megacorp vs Small Company

I responded in your other thread and I will just say this: I think you are insane for wanting to leave your current job to go to this new job due to “boredom”. Not everyone has the super exciting job. Being bored at a good job is a problem 99.99% of people wish they had. If you really want to leave ...
by Jags4186
Sun Dec 02, 2018 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5135

Re: Do you get a year end bonus?

Started a new job in June 2017. In August 2018 I got my first bonus based on corporate performance. 0.3% of my salary. It was so low I would have rather them just not given anything. December 2017 we all received a $15 gift card to Walmart. I assume we’ll get the same this year...
by Jags4186
Sun Dec 02, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

The new Mac Minis are overpriced. If you do decide to get one, and are a little adventurous, you can upgrade the ram yourself and save significantly over Apple’s outrageous RAM prices. The hard drive is not user replaceable and if you want more than the standard 128gb you should decide if you are ok...
by Jags4186
Sat Dec 01, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 117
Views: 9985

Re: Why is Costco gas so much cheaper

Costco gas price is on par with the discount gas provider in our market, Delta. The difference is Costco let’s you pay with credit card and Delta charges $0.10 more for credit card.

In general I don’t find it worth waiting on line to save $1 a fill up.
by Jags4186
Sat Dec 01, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Do I need to pay for a clean title to sell my car privately?
Replies: 28
Views: 2061

Re: Do I need to pay for a clean title to sell my car privately?

I sold a car in NJ and never had this problem. Provided all the documents I received in the mail from Volkswagen after the loan was paid off.
by Jags4186
Fri Nov 30, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12037

Re: The S&P 500 Goes Supernova

SP500 returned 17.37% annualized for the 25 year period ending 1999. $1000 turned into $54,000. Why is the current 10 year run considered that incredible?
by Jags4186
Fri Nov 30, 2018 6:02 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4365

Re: How do Bogleheads justify taking vacation?

I think the real answer is, who cares? If you don’t want/like to go on vacation, don’t. Whether its vacation or baseball cards, movies, luxury watches, golf, hiking, fast cars, minimalism, MMORPGs etc. etc. you gotta get off on something. Do what’s best for you. At the end of the day anything over s...
by Jags4186
Thu Nov 29, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4365

Re: How do Bogleheads justify taking vacation?

Soon2BXProgrammer wrote:
Thu Nov 29, 2018 10:50 pm
happy wife, happy life..
I prefer happy husband, happy married woman who doesn’t become single in her middle age or later when it becomes comparatively harder for a woman to find a partner.

Or you know, happy wife.
by Jags4186
Thu Nov 29, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

boglemania wrote:
Thu Nov 29, 2018 7:14 pm
Old Dell worn out. Just surfing, video/pic archives, streaming youtube/other prgms, but no gaming.
I’d just get either top top of the line 21” iMac model or the bottom of the line 27” model.
by Jags4186
Thu Nov 29, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

Do you need a $3000 computer? What are you using it for?
by Jags4186
Wed Nov 28, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Restaurant Budget
Replies: 113
Views: 6552

Re: Restaurant Budget

Yes it is a lot and yes it is a struggle for us as well.

I find that when I go grocery shopping every week our restaurant spending goes way down and when we’re busy and put it off it goes way up.
by Jags4186
Wed Nov 28, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3886

Re: Electricity bill should be 7% per month of home sq footage.

Here are some real rates for NJ.

Image

$0.15/kWh is accurate.
by Jags4186
Tue Nov 27, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Small Company- Negotiating Compensation
Replies: 32
Views: 2221

Re: Small Company- Negotiating Compensation

If a company needs someone in demand with desirable skills they need to pay competitively or offer something else that makes up for less compensation. There are lots of companies with 200 people or fewer where the owner makes more than the CEO of a Fortune 500 company with 10,000+ employees. Don’t b...
by Jags4186
Tue Nov 27, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Employeer taking vacation days on public holidays - is this legal or normal?
Replies: 99
Views: 7393

Re: Employeer taking vacation days on public holidays - is this legal or normal?

If this is a new policy and your wife is an at-will employee then as long as they are officially changing the policy then they can do whatever they want. I admit I am ignorant of physician employees but I assumed that doctors would have contracts spelling out what they are paid, benefits, etc. If th...
by Jags4186
Mon Nov 26, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 1986

Re: Upgrade Canon 60D to FF or new iPhone?

What makes me chuckle is the “she shoots weddings” comments and then the throwing an iPhone into the conversation. If I hired a wedding photographer and they showed up with their cellphone I’d refuse to pay. Bingo. I would rate someone’s work on their work, not their choice of equipment. 5 Movies F...
by Jags4186
Mon Nov 26, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: eBay Item not Received
Replies: 20
Views: 1401

Re: eBay Item not Received

Purchased two items from seller that were shipped out 16 days ago. I live two states away. No tracking info provided by seller. It is past the eBay estimated delivery date. Email seller two days ago requesting refund for item not received. Seller replies that we will get back to you by Monday with ...
by Jags4186
Mon Nov 26, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Networth to buy a dual turboprop aircraft?
Replies: 72
Views: 9137

Re: Networth to buy a dual turboprop aircraft?

You can buy and maintain an aircraft for less than many (most?) people spend on automobiles. Buy a used twin or single engine piston for less than most new autos, maybe. Maintain (or operate) for less than most autos, extremely doubtful. You can find more obscure planes for around $10,000; old Cess...
by Jags4186
Mon Nov 26, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: GM Fueled Recession
Replies: 12
Views: 1631

Re: GM Fueled Recession

Could save a bunch of money by not showing those awful commercials where people think a Chevy Malibu is a $90,000 car.
by Jags4186
Sun Nov 25, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 1986

Re: Upgrade Canon 60D to FF or new iPhone?

What makes me chuckle is the “she shoots weddings” comments and then the throwing an iPhone into the conversation. If I hired a wedding photographer and they showed up with their cellphone I’d refuse to pay.
by Jags4186
Sun Nov 25, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5512

Re: Is good, quality luggage worth the price?

Wow I thought you were going to post a $3000 luggage set. I don’t think $250 is crazy. Luggage can be heavily discounted and I wouldn’t be surprised if you could get those for under $200 by shopping around and stacking coupons.
by Jags4186
Sun Nov 25, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Affordable Furniture for first adult apartment
Replies: 29
Views: 2517

Re: Affordable Furniture for first adult apartment

My first apartment I shopped at big box stores like Ashley and Raymour and Flannigan. Go straight to the discount/as-is section. I got a great couch that had reclining end seats for $325–marked down from $1200. It had a huge tear in the back that was stitched up. I didn’t care, it was going up again...
by Jags4186
Sat Nov 24, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2034

Re: Denied credit card opening

Watch out if you share cards. It's been over 24 months since my wife had a Chase card so we re-applied. She has great credit and has not opened a card for years yet she was denied. It took some effort but we finally got a customer service person on the phone. She said my wife was denied because she...
by Jags4186
Sat Nov 24, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2034

Re: Denied credit card opening

Welcome to the club. I cannot get approved for anything Chase, Barclays, or Capital One. My wife and I each just opened 2x BOA cards—$900 in bonuses for $3000 total spend. We just completed the 60k Citi Thankyou Premier offer for my wife. My 24 month clock is almost up and I will be going for that ...
by Jags4186
Sat Nov 24, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2034

Re: Denied credit card opening

Welcome to the club. I cannot get approved for anything Chase, Barclays, or Capital One. My wife and I each just opened 2x BOA cards—$900 in bonuses for $3000 total spend. We just completed the 60k Citi Thankyou Premier offer for my wife. My 24 month clock is almost up and I will be going for that s...
by Jags4186
Sat Nov 24, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 4667

Re: How many vacations per year is optimal?

I just booked another trip to Hawaii for wife and I. We're averaging a little less than two per year. We love Hawaii. The day before we leave Hawaii my wife literally is crying and gets at depressed (we live in a nice place too, it's not like we're coming back to the dumps). What is the optional nu...
by Jags4186
Fri Nov 23, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Awesome Amazon trick for 20% off
Replies: 8
Views: 4045

Re: Awesome Amazon trick for 20% off

Based on this I am now determining that MR points are worth $100/pt :greedy
by Jags4186
Fri Nov 23, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Why won't amazon adjust a price or otherwise credit me?
Replies: 14
Views: 1805

Re: Why won't amazon adjust a price or otherwise credit me?

I bought something (made/sold by them) 5 days ago. Today it's $80 cheaper. They'd rather me return it (at their cost) and then re-buy it, rather than just credit me the $80. Does this make any business sense at all? Now they are out the $8 shipping (or whatever their cost is), and they are stuck wi...
by Jags4186
Fri Nov 23, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3041

Re: Tiny Baby Spiders on my Toaster

I don’t know, but it may have to do with the alien life form that grew in my yard viewtopic.php?t=261032
by Jags4186
Tue Nov 20, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17101

Re: Vanguard lowering Admiral level to $3,000?

geekpryde wrote:
Tue Nov 20, 2018 10:38 am
Last night I was getting the "You have no eligible funds" error message when trying to convert, but as of today 11/20/2019 conversion is working. Thought I would mention this so people who want to convert should try again.
Thanks! Did and done.
by Jags4186
Tue Nov 20, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: AAA vs. GEICO for Roadside Assistance--Help Me Decide!
Replies: 53
Views: 7397

Re: AAA vs. GEICO for Roadside Assistance--Help Me Decide!

Please keep in mind if you have: Chase Sapphire Reserve AMEX Premier Rewards Gold Card AMEX Platinum Citi Prestige You already have roadside assistance via your membership fee. I’ve used my Chase card’s roadside assistance twice and never had an issue. Is it complementary with Chase? I recall CSR c...
by Jags4186
Mon Nov 19, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for International Travel
Replies: 67
Views: 6316

Re: Credit Card for International Travel

I don't think American Express or Discover would be good for travel. Discover is the worst possible choice for an international credit card due to limited acceptance. In countries where you can actually find merchants who accept it, I've had a ridiculous percentage of charges get declined... even t...
by Jags4186
Mon Nov 19, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15016

Re: Black Friday 2018

I got several things I purchased in the last few weeks logged in Citi Price Rewind. Can’t wait for the deals to roll on in!
by Jags4186
Mon Nov 19, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6167

Re: Point and shoot camera

My old Nikon CoolPix just died, aged about 15 years. I need a new camera - yes, I know my phone takes pictures and it's gotten me some surprisingly good ones, but I want a camera. I am no photographer so a point and shoot will do just fine. Did a scan of the offerings on eBay and Amazon and don't u...
by Jags4186
Mon Nov 19, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17101

Re: Vanguard lowering Admiral level to $3,000?

FWIW I have found the convert Investors shares to Admiral share screen however it says I have no funds currently eligible. I own about $9000 of VTSMX in a taxable account.