Search found 1360 matches

by Jags4186
Fri Nov 17, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 28
Views: 2304

Re: Value of 401k Employer Match vs. Salary Equivalent

401k Match is most certainly not equivalent to salary IMO. While yes from a numbers perspective you make out the same or perhaps slightly better, benefits are much much easier to cut than salary for the organization. When benefits are cut, people sometimes grumble but I find most people simply don’t...
by Jags4186
Thu Nov 16, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 232
Views: 40019

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by Jags4186
Thu Nov 16, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 232
Views: 40019

Re: USAA 2.5% Cash Back Credit Card

Alliant Signature Visa 3% back first year, no annual fee 2.5% back thereafter, $59/yr http://www.alliantcreditunion.org/bank/visa-signature-card I've had this card for a few months and it's been great. I also happen to bank at Alliant so it's been a nice synergy to have my CC and bank statements al...
by Jags4186
Thu Nov 16, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 11943

Re: Request for Promotion letter to Senior Management

That last reply by the OP demonstrates very clearly to us what his colleagues see on a day to day basis. SMH. Completely oblivious. OP, answer this question as if you were the decision maker. Why would you give an employee who is not a flight risk and has no desire to take on new responsibilities a...
by Jags4186
Thu Nov 16, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 11943

Re: Request for Promotion letter to Senior Management

I am surprised about the - find a better offer and threaten to quit now responses, considering one of my main responsibilities is to ensure my mom has a comfortable remaining life and the fact that the flexibility in my current position affords me that capability. I thought you were younger too... ...
by Jags4186
Thu Nov 16, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Amegy Bank $1000 business Card offer
Replies: 19
Views: 1896

Re: Amegy Bank $1000 business Card offer

Capital One is offering $1000bonus for their Spark Cash business card but it requires $10,000 spend in 3 months. Capital One refuses to approve me for anything so I passed on applying but everyone else should give it a shot if they can hit the spend. It’s such a large bonus I think even if you can’t...
by Jags4186
Tue Nov 14, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: What is the difference between retiring and resigning from a job?
Replies: 42
Views: 4259

Re: What is the difference between retiring and resigning from a job?

Does your company have special retirement rules vs resigning rules? For example, where I work, if you qualify for retirement as they define it, you receive a prorated bonus for time worked that year. So if you qualify for a $35,000 bonus and work 6 months of the fiscal year, you would be eligible to...
by Jags4186
Tue Nov 14, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if you ACH to an account that is closed?
Replies: 5
Views: 677

Re: What happens if you ACH to an account that is closed?

Should have waited 1 more day to asked about this! Received an e-mail from Institution A today saying the transaction was rejected and the $1500 is back in the original account.
by Jags4186
Tue Nov 14, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What happens if you ACH to an account that is closed?
Replies: 5
Views: 677

What happens if you ACH to an account that is closed?

So long story short, I sent $1500 from institution A to institution B. Instituation B closed the receiving account the same day the transfer was initiated. It is 7 days later and institution A transfer page shows the money was “delivered”. I received a cashiers check from Institution B for the remai...
by Jags4186
Tue Nov 14, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: problem new Vanguard Global Wellington fund
Replies: 29
Views: 1830

Re: problem new Vanguard Global Wellington fund

The prospectus is just strategy and objectives. Despite what many wish for there is no fund whose chart looks like a straight line going up and to the right. The fund is down because in the last month global equities of moved down slightly and the 10 year treasury has moved from 2.3% yield to 2.4% ...
by Jags4186
Mon Nov 13, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 1877

Re: Iphone 4

You can get an iPhone SE for $99. I would highly recommend the upgrade. Can you tell me how to get the SE for $99? That's such a killer deal. The SE is quite capable. I'm assuming this is an unlocked phone. I just bought a brand new "unlocked" SE for my wife (her 5S was failing). It was $349 from A...
by Jags4186
Mon Nov 13, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2201

Re: Verizon Wireless - Asking for a lower rate

Cricket Wireless is Unlimited Talk/Text and 2GB data (throttled to 2G speeds after 2gb) for $30/mo including taxes and fees.
by Jags4186
Mon Nov 13, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Laptop from Costco - Chase Freedom/AMEX
Replies: 9
Views: 909

Re: Laptop from Costco - Chase Freedom/AMEX

Hi, I am planning to buy laptop from Costco Online. I can use either AMEX and Chase Freedom online. Based on the extended warranty, which one is the card that I should use so that I can better coverage for my laptop - Chase Freedom -AMEX Blue Thanks, JR Chase Freedom gives you price protection and ...
by Jags4186
Mon Nov 13, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 1877

Re: Iphone 4

No need to update phones every year but the iPhone 4 is obsolete. It no longer receives updates, including security updates, and apps will no longer support the hardware. The battery will eventually not hold much of a charge. Even if you simply use the phone for text messaging, phone calls, and occa...
by Jags4186
Mon Nov 13, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Use or Lose $850 from Limited Expense FSA
Replies: 36
Views: 1611

Re: Use or Lose $850 from Limited Expense FSA

I knew I’d be getting a windfall this year so, searching for ways to reduce my earned income, and knowing DW has a tooth that has been “on the verge” of needing a root canal / crown, I put about $1000 extra into my limited expense (LEX) FSA. As I have an HDHP with HSA, my LEX FSA is limited to dent...
by Jags4186
Sat Nov 11, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 122
Views: 18180

Re: Paul Merriman: The One Fund Every Investor Should Own

I think the most important factor in investing is picking a sound path and sticking to it. 3 fund portfolio, Merriman portfolio, Coffee House portfolio, TrevH portfolio, etc. etc. will all likely serve you well. But it’s sticking with it through ups and downs. It’s the switching in and out of differ...
by Jags4186
Sat Nov 11, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6110

Re: Isn't it safer to NOT sign Credit card?

The only time I get asked for ID is if I didn’t sign the back of the card. If any of you have an AMEX Blue or AMEX Everyday card you know how tiny the signature panel is. If you have a long name like I do, your signature doesn’t really fit. That said, as others have pointed out, credit card fraud is...
by Jags4186
Fri Nov 10, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my settlement
Replies: 16
Views: 1538

Re: How to invest my settlement

While it may seem like a lot of money, and it objectively is, $400,000 is not panacea to life. Something awful must have happened to earn you this much of an award so I hope you are okay. That said, you still need to save a lot more money to be able to retire, buy a house, raise a family, etc. I mig...
by Jags4186
Fri Nov 10, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34331

Re: Did you tell anyone you paid off your mortgage?

I don’t understand why you’re so angry? You think in every single case it makes sense to pay off a mortgage. I don’t. I can make a valid argument on why that is the case and all you can say is “DAVE RAMSEY SAYS RISK”. I don't see Grt2bOutdoors's comments as angry, and he has not mentioned Dave Rams...
by Jags4186
Fri Nov 10, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34331

Re: Did you tell anyone you paid off your mortgage?

and in the meantime where will you live if day the value of your portfolio is only enough for 1 years worth of rent? Meanwhile a paid off home is just as comfortable as it was the day before the market crashed! You don’t pay rent to live in your home in the form of property taxes, home owners insur...
by Jags4186
Fri Nov 10, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34331

Re: Did you tell anyone you paid off your mortgage?

and in the meantime where will you live if day the value of your portfolio is only enough for 1 years worth of rent? Meanwhile my paid off home is just as comfortable as it was the day before the market crashed! You don’t pay rent to live in your home in the form of property taxes, home owners insu...
by Jags4186
Fri Nov 10, 2017 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34331

Re: Did you tell anyone you paid off your mortgage?

Wrong. What if the market crashes and wipes out the money that person had saved, which could have satisfied the mortgage. Let’s look at a sunk cost analysis: If you didn’t have a mortgage, would you obtain one and invest all the proceeds in the stock market? No, I wouldn’t either. A 100% equity por...
by Jags4186
Thu Nov 09, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1060

Re: Best mobile Family Plan for 4 Lines?

I am on Sprint through my company and I would recommend you avoid. 3G data is useless, it simply does not work. That means you must be connected to LTE to use data and I find that to be touch and go. Also, sprint does not support voice over LTE which means you cannot use data while on a call. That'...
by Jags4186
Thu Nov 09, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1060

Re: Best mobile Family Plan for 4 Lines?

I am on Sprint through my company and I would recommend you avoid. 3G data is useless, it simply does not work. That means you must be connected to LTE to use data and I find that to be touch and go. Also, sprint does not support voice over LTE which means you cannot use data while on a call.
by Jags4186
Thu Nov 09, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3713

Re: What is a reasonable emergency fund for HI family?

6 months expenses. So if you spend $5000 a month, that’s $30,000. That’s not that much and you can always count it as part of your fixed income in your AA. Our emergency fund is only 4% of our net worth. In my opinion this varies a lot depending on stage of life and personal circumstances. I am age...
by Jags4186
Thu Nov 09, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3713

Re: What is a reasonable emergency fund for HI family?

6 months expenses. So if you spend $5000 a month, that’s $30,000. That’s not that much and you can always count it as part of your fixed income in your AA. Our emergency fund is only 4% of our net worth. In my opinion this varies a lot depending on stage of life and personal circumstances. I am age...
by Jags4186
Thu Nov 09, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 4979

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

If you have a $100,000 injury on your property, the insurance company is going to do everything in its power to make sure they pay not a penny more than $100,000–sometimes even less. What if by “doing it on your own” you get hit for $125,000? Penny wise, dollar foolish IMO. What if by doing it on y...
by Jags4186
Thu Nov 09, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing at a former employer, should I give them my current salary when they ask?
Replies: 79
Views: 4255

Re: Interviewing at a former employer, should I give them my current salary when they ask?

I think it depends what position you're in. For my last position they asked what I was making and I told them. I also made it blatantly obvious that I wouldn't be leaving my current job for total comp less than X. If you are employed in a decent situation and looking to just make more money then you...
by Jags4186
Thu Nov 09, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3713

Re: What is a reasonable emergency fund for HI family?

6 months expenses. So if you spend $5000 a month, that’s $30,000. That’s not that much and you can always count it as part of your fixed income in your AA. Our emergency fund is only 4% of our net worth.
by Jags4186
Thu Nov 09, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 4979

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

If you have a $100,000 injury on your property, the insurance company is going to do everything in its power to make sure they pay not a penny more than $100,000–sometimes even less. What if by “doing it on your own” you get hit for $125,000? Penny wise, dollar foolish IMO. What if by doing it on y...
by Jags4186
Thu Nov 09, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 4979

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

You likely will not be able to carry umbrella insurance if you drop your home owners.
by Jags4186
Thu Nov 09, 2017 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34331

Re: Did you tell anyone you paid off your mortgage?

I don’t understand why anyone would announce this? At best it makes you look like a braggart and at worst it makes you a target. Also in today’s interest rate environment there is a very sound argument that carrying a mortgage is more financially sound than paying it off. Stealth wealth people. Ste...
by Jags4186
Wed Nov 08, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34331

Re: Did you tell anyone you paid off your mortgage?

I don’t understand why anyone would announce this? At best it makes you look like a braggart and at worst it makes you a target. Also in today’s interest rate environment there is a very sound argument that carrying a mortgage is more financially sound than paying it off. Stealth wealth people. Stea...
by Jags4186
Wed Nov 08, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 1898

Re: What is the story with the Apple iWatch Series 3?

I switched from Apple Watch (first generation) to a FitBit Charge 2 two weeks ago. I know I had an old model, but it didn’t track activity that well, couldn’t track sleep, and needed to be charged too often. It also wasn’t really great at anything—I could accomplish anything I wanted faster by just ...
by Jags4186
Wed Nov 08, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Annuity for winning the game
Replies: 39
Views: 3397

Re: Annuity for winning the game

Thank you in advance. I am very very slowly coming (10 years) to the conclusion that there maybe a place to augment my investments with an annuity. I am 63 years old (SS at 70) and have been lucky (no inheritance things just worked out) with enough money to live a very good lifestyle on 2% withdraw...
by Jags4186
Wed Nov 08, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 151
Views: 12576

Re: How old are you and how much do you save for retirement a year

I’m 31 my wife is 32. I we save beyond our retirement accounts but that money will likely go towards things like house downpayment, replacement vehicles, kids when they show up, etc. 401k: $38500 between the 2 of us (she gets a match which is about $2500–I don’t until I’m on my new job for 1 year) —...
by Jags4186
Tue Nov 07, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Using my and spouse's Chase Reserve travel credit for hotel gift card/future hotel stay
Replies: 3
Views: 563

Re: Using my and spouse's Chase Reserve travel credit for hotel gift card/future hotel stay

You should downgrade, not close the card after using the 2018 credit. That way you’ll get a prorated annual fee refund vs forfeiting the whole $450.
by Jags4186
Tue Nov 07, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 3352

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

My wife and I will earn just shy of $11,000 of new account bonuses this year by moving around about $60k which is our emergency fund. Definitely takes work--you must be organized--and it isn't scaleable much beyond $30,000 per person but it's a great return for no risk and fits right in with the am...
by Jags4186
Tue Nov 07, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 3352

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

OP, With a goal of $60,000 I would look to bank bonuses. You could easily earn a 10% return of your money if you are aggressive with opening and closing savings and checking accounts for the new customer bonus. My wife and I will earn just shy of $11,000 of new account bonuses this year by moving ar...
by Jags4186
Tue Nov 07, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9554

Re: Disposable income... how?

Seriously I don't understand how people can just buy new phones, new vehicles and still go out every Friday eat a nice dinner and drink craft beers. How can people do that? Here is my life in a nutshell.. I am above the national average for income. Our household pulls in 100k a year with no cost me...
by Jags4186
Tue Nov 07, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: In 40s and no retirement [US ex-pat in Brazil]
Replies: 28
Views: 3024

Re: In 40s and no retirement [US ex-pat in Brazil]

Hello. I feel ashamed that I am in the condition I am right now, but please don’t judge. I just need some advice, if you would be so kind. I am almost 44 years old, a missionary to Brazil, and live off of some donations and through teaching English here on the side. I am married, and my three kids ...
by Jags4186
Sun Nov 05, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: Honda Care Extended Warranty experience?
Replies: 46
Views: 20983

Re: Honda Care Extended Warranty experience?

Thank god I have my base 2016 Civic lx with a manual transmission.

The only electronics on that car are the windows, side mirror adjusters, and radio.

I declined the extended warranty :D
by Jags4186
Sat Nov 04, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10605

Re: Got an iPhoneX

By the way, what’s the difference between 4G and LTE? 4G is 4th Generation which refers to wireless standard of technology that produces cellular speeds of X. Different technologies can generate those speeds. LTE is the current most advanced technology being used. There are other 4G technologies th...
by Jags4186
Sat Nov 04, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Got an iPhoneX
Replies: 157
Views: 10605

Re: Got an iPhoneX

If you don’t like it do what you’d do with any other product you purchase that didn’t meet your expectations...return it.
by Jags4186
Fri Nov 03, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Help me understand the Used Car Dealership perspective
Replies: 29
Views: 3354

Re: Help me understand the Used Car Dealership perspective

The basis of this question is silly. The dealer has already told you multiple times they won’t sell the car for the price you want to pay. They are under no obligation to sell you the car for the price you think it’s worth. Think of it from their position. They must have a desirable car considering ...
by Jags4186
Thu Nov 02, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: Reviews for Riu Santa Fe All Inclusive, Cabo San Lucas
Replies: 4
Views: 412

Re: Reviews for Riu Santa Fe All Inclusive, Cabo San Lucas

I’ve stayed there twice. It’s a party hotel. Rooms are nice and the booze flows heavily. Food is a 6.5 out of 10. After 3 days you see its the same stuff mixed differently. The absolute worst nacho cheese sauce—yellow water.
by Jags4186
Thu Nov 02, 2017 7:55 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)
Replies: 33
Views: 5494

Re: Dave Ramsey sounded like a Boglehead today (Nov 2 2017)

First off, please do not post here if you intend on bashing Dave Ramsey for his investing advice. Otherwise, the thread will get locked or deleted. That being said, today, November 2, 2017, DR sounded a whole lot like a Boglehead! I think it was in Hour 2 at about the 47 minute mark. https://www.da...
by Jags4186
Thu Nov 02, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?
Replies: 9
Views: 1057

Re: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?

In before lock. They need 60 votes to pass this because it is deficit increasing. It will never pass.

Move along...