Search found 506 matches

by BeneIRA
Sat Dec 08, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Issues
Replies: 5
Views: 409

Re: Dependent Care FSA Issues

It has to do with non-discrimination testing. Each year typically, there will be a review done and DCFSA is a very common fail point for many companies. If too many HCEs are enrolled in it, then it is too too heavy and a company will have to take action, usually limiting employees who are HCEs to a ...
by BeneIRA
Tue Dec 04, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: What to negotiate in offers
Replies: 43
Views: 2845

Re: What to negotiate in offers

HardHitter, Congrats on the job offer and I trust they know little about how their total comp compares to your current comp. I've hired hundreds of people and been hired 7-8 times myself and have always enjoyed a bit of good natured negotiation. Usually, there is at least some room to improve an of...
by BeneIRA
Thu Nov 29, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card question
Replies: 8
Views: 654

Re: Credit card question

What credit card(s) did you apply for? Did you apple for a Capital One card or an American Express? They give those out like candy.
by BeneIRA
Sat Nov 24, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4777

Re: Should I sell my house?

OP - It's a no brainier ... Keep the SF house and rent in Boston for a year. It is just too much of a shift so you need to make sure you actually like it in Boston and won't flee back to SF. The trouble with living in the coastal regions of CA is one forgets that the rest of the country is very dif...
by BeneIRA
Sat Nov 24, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4777

Re: Should I sell my house?

Speaking as someone else with experience in Boston, I would sell the Bay Area house and absolutely rent in Boston for a year . It is completely different from the Bay Area and you may not like it. Don’t put yourself in a situation where you are stuck in a place you don’t want to be. Rent for a year...
by BeneIRA
Sat Nov 24, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1147

Re: COBRA [signing up for the first time]

COBRA is a continuation of the coverage that you had as an active employee. Most insurance companies don't even know/care that you are on COBRA. The only differences are the costs, which are much higher, and that you pay with post-tax dollars . You have 60 days to sign up and then get 45 to pay you...
by BeneIRA
Fri Nov 23, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell my house?
Replies: 59
Views: 4777

Re: Should I sell my house?

Speaking as someone else with experience in Boston, I would sell the Bay Area house and absolutely rent in Boston for a year. It is completely different from the Bay Area and you may not like it. Don’t put yourself in a situation where you are stuck in a place you don’t want to be. Rent for a year, ...
by BeneIRA
Fri Nov 23, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Renting car in Chicago - Christmas - what to expect?
Replies: 14
Views: 1264

Re: Renting car in Chicago - Christmas - what to expect?

AWD vehicles don't matter nearly as much if the tires are awful. For a rental car, I wouldn't expect premium, top-shelf tires. I would also expect sky-high prices. As long as you are careful, you should be fine. It may snow, it may not. I drove in Chicago and the suburbs for quite a few years and fo...
by BeneIRA
Fri Nov 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA [signing up for the first time]
Replies: 22
Views: 1147

Re: COBRA [signing up for the first time]

COBRA is a continuation of the coverage that you had as an active employee. Most insurance companies don't even know/care that you are on COBRA. The only differences are the costs, which are much higher, and that you pay with post-tax dollars. You have 60 days to sign up and then get 45 to pay your ...
by BeneIRA
Thu Nov 15, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

I received an offer from Amex Delta : 50K miles for $2k spend, first year fee waived. I am not normally a big user of Delta miles, but this seems like a decent offer. I have had Amex Delta in the past -- but this doesn't contain any lifetime language. 1) I remember reading that Amex's site warns yo...
by BeneIRA
Tue Nov 13, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Health Coverage during severance
Replies: 4
Views: 471

Re: Health Coverage during severance

Yes, losing a qualified group plan's coverage is a QLE to hop onto your spouse's coverage. They may ask for proof of the coverage loss, so be prepared for that. Just notify them within 30 days.
by BeneIRA
Tue Nov 13, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: When to follow up after job interview
Replies: 18
Views: 1034

Re: When to follow up after job interview

Definitely do not send any further emails or reach out in any way. It will not impact anything positively. In the meantime, you should be interviewing and/or applying to other companies and not put all of your eggs in this company's basket. If they want to get back in touch with you, they will.
by BeneIRA
Tue Nov 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Donating Airline Miles?
Replies: 5
Views: 388

Re: Donating Airline Miles?

I’m not sure how useful it would be if you can’t afford a redemption, but the one outfit I know who takes donated miles is Miles 4Migrants. I would do a search and see if it is something you are interested in. They specialize in reuniting refugees with their families.
by BeneIRA
Mon Nov 12, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

A couple of questions: (1) I have used Chase UR points transferred to Hyatt for good redemptions. Are there are any other worthwhile hotel transfer partners that come to mind? I also have MR points and Citi TYP to use. In need of saving $$ on upcoming hotel travel, mostly stay at branded hotels. (2...
by BeneIRA
Mon Nov 12, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

Why would you want to cancel SW when you're so close to 110k? According to The Points Guy, Companion Pass is the best perk in existence. TravelforFun I plan to cancel it *after* I hit 110K. Once the milestone is reached, the Southwest card no longer offers much value. Call in to cancel and don't be...
by BeneIRA
Thu Nov 01, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Extreme credit card debt
Replies: 37
Views: 4241

Re: Extreme credit card debt

Need more information before anyone can really give any valuable, specific advice. With those salaries are you in rural Mississippi or in midtown Manhattan? If the former, the debt shouldn't be too tough to pay off in a handful of years, if the latter, well, I understand why you can only make the mi...
by BeneIRA
Wed Oct 31, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt for Grandma
Replies: 32
Views: 1777

Re: Credit Card Debt for Grandma

Chase doesn't do joint accounts, so the mom is at most an authorized user. Authorized users have no financial responsibility for the repayment of the balance, so, she's in the clear.
by BeneIRA
Tue Oct 30, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3430

Re: Planning first international trip - London/Paris

My wife and I are planning our first international trip. We are planning on spending six full days in Europe the last week of April. We are flying non-stop from Atlanta to Heathrow airport. 1. What part of the city do you recommend staying? Is this walking distance to any major tourist areas? 2. Sh...
by BeneIRA
Thu Oct 25, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cash in my vacation days?
Replies: 31
Views: 10108

Re: Should I cash in my vacation days?

Along the same line I'm going to retire at the end of the year I can either have them pay me out for my 3 weeks vacation or used the 1st 3 weeks in January and get paid that way? which you think is the best option getting paid next year because I will be in a lower tax bracket? Let me know thanks R...
by BeneIRA
Wed Oct 24, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: COBRA clarification (loophole?)
Replies: 13
Views: 1022

Re: COBRA clarification (loophole?)

The whole "paperwork" for COBRA is antiquated. Companies send it because they have to, but all of the big benefit providers and most of the smaller ones don't need the paperwork and several won't even accept it. You have to call in to enroll or some let you go online. For the people saying to enroll...
by BeneIRA
Sun Oct 21, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8727

Re: Quitting w/o notice

Recommendations, for the reasons stated above, are wildly overrated in this day and age. The grand majority of corporations use The Work Number (Equifax) or a similar service that has a service verify employment. Recommendations are virtually worthless. Where it does hurt you is getting rehired by t...
by BeneIRA
Thu Oct 18, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care Options for 26 year old
Replies: 38
Views: 2033

Re: Health Care Options for 26 year old

Hi All, I'm trying to help out a friend who is planning a career change. She is currently 26 and has been a teacher for 5 years. She has decided to leave the profession and has been accepted into nursing school which begins in May, 2019. As part of her planning for this transition she had questions...
by BeneIRA
Wed Oct 17, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4117

Re: Approach to rescinding a job acceptance

The bridge is almost definitely burned no matter what you say or do unless you have a good relationship with this new would-be manager. We actually just had this happen to us in the summer. Someone interviewed, was offered the position, they accepted our offer, and they took their company's counter...
by BeneIRA
Wed Oct 17, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Approach to rescinding a job acceptance
Replies: 50
Views: 4117

Re: Approach to rescinding a job acceptance

The bridge is almost definitely burned no matter what you say or do unless you have a good relationship with this new would-be manager. We actually just had this happen to us in the summer. Someone interviewed, was offered the position, they accepted our offer, and they took their company's counter....
by BeneIRA
Wed Oct 17, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1776

Re: advice on first home

This RE seems to have their own best interest in mind, which is to be expected. Rising interest rates making houses more expensive somehow equates to more people buying houses and housing prices and demand increasing? Seems a little farfetched to me. It doesn't sound like you live in a very high cos...
by BeneIRA
Sat Oct 13, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7310

Re: Just Divorced -- Need Help

Go incognito on your browser. Go to americanexpress.com and then check out the Amex Everyday and see if you get the 25,000 bonus point offer with a 0% balance transfer for 12 months. It fits your needs and Amex will approve just about anyone. If you don't get it, clear your cookies and/or try anoth...
by BeneIRA
Fri Oct 12, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7310

Re: Just Divorced -- Need Help

Go incognito on your browser. Go to americanexpress.com and then check out the Amex Everyday and see if you get the 25,000 bonus point offer with a 0% balance transfer for 12 months. It fits your needs and Amex will approve just about anyone. If you don't get it, clear your cookies and/or try anothe...
by BeneIRA
Sun Oct 07, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

Barclays is no longer accepting applications for the Arrival Premiere, the monstrosity of a card that was correctly coined as the "Dead on Arrival" card. I thought it was funny that they said they would no longer be accepting new applications when no one is actually applying for the card, so I don'...
by BeneIRA
Fri Oct 05, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

Nowadays the only card I go after is Southwest because of its companion pass (buy 1 get 1 free) program. My current pass expires in December and I will start the whole process again in January. TravelforFun Are you going to sign up for the Southwest business card and then the personal, hoping it go...
by BeneIRA
Fri Oct 05, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 715

Re: Cobra / Insurance Recommendation

OP, when does coverage at your current employer end? It may go until the end of the month and you have 60 days from then to enroll into COBRA coverage. You also have 45 days from enrollment to make the first payment. Also keep in mind, though, that if you enroll into your new company's coverage and...
by BeneIRA
Fri Oct 05, 2018 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 715

Re: Cobra / Insurance Recommendation

OP, when does coverage at your current employer end? It may go until the end of the month and you have 60 days from then to enroll into COBRA coverage. You also have 45 days from enrollment to make the first payment. Also keep in mind, though, that if you enroll into your new company's coverage and...
by BeneIRA
Fri Oct 05, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 715

Re: Cobra / Insurance Recommendation

OP, when does coverage at your current employer end? It may go until the end of the month and you have 60 days from then to enroll into COBRA coverage. You also have 45 days from enrollment to make the first payment. Also keep in mind, though, that if you enroll into your new company's coverage and ...
by BeneIRA
Fri Oct 05, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3929

Re: Tackling Disney World - Discount on tickets?

The cost for water i n the park is $3, and the many find the fountain/tap water hard to drink due to sulfur in the water. They just raised bottled water to $3.50. One key tip is that all quick service restaurants will give you a free cup of ice water if you walk up and ask for it. I like checking a...
by BeneIRA
Fri Oct 05, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3929

Re: Tackling Disney World - Discount on tickets?

The cost for water i n the park is $3, and the many find the fountain/tap water hard to drink due to sulfur in the water. They just raised bottled water to $3.50. One key tip is that all quick service restaurants will give you a free cup of ice water if you walk up and ask for it. I like checking a...
by BeneIRA
Fri Oct 05, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

Barclays is no longer accepting applications for the Arrival Premiere, the monstrosity of a card that was correctly coined as the "Dead on Arrival" card. I thought it was funny that they said they would no longer be accepting new applications when no one is actually applying for the card, so I don't...
by BeneIRA
Thu Sep 27, 2018 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Payoff - Does disbursement date matter?
Replies: 2
Views: 311

Re: Student Loan Payoff - Does disbursement date matter?

I am paying extra on a few federal loans that are at 6.55%. The disbursement dates range over a few years, but I didn't pay anything on those until after graduation, at which point I paid down the accrued interest to prevent it from capitalizing. My question is, assuming that these loans all have t...
by BeneIRA
Mon Sep 24, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

Capital One Venture for every day purchases (2% miles on all purchases). AA Aviator and Delta Amex to get one-time miles and get perks like preferred boarding and one bag free. We had AA Citi to get the miles bonus, which we cancelled once we got the miles and now we have the Aviator cards. Will pr...
by BeneIRA
Sun Sep 23, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3096
Views: 601752

Re: What's Your Credit Card Rewards Strategy?

Capital One Venture for every day purchases (2% miles on all purchases). AA Aviator and Delta Amex to get one-time miles and get perks like preferred boarding and one bag free. We had AA Citi to get the miles bonus, which we cancelled once we got the miles and now we have the Aviator cards. Will pr...
by BeneIRA
Thu Sep 20, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7071

Re: Don't trust Tripadvisor reviews

There are fake reviews everywhere, it's a fact of life. TripAdvisor is now on the razor's edge because they would love you to book a hotel from clicking one of their links to get a commission. A lot of the fake reviews are five stars where it is beyond obviously glowing. On the other hand, I have fo...
by BeneIRA
Tue Sep 18, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: PPO to HSA switch - Planned Pregnancy
Replies: 9
Views: 710

Re: PPO to HSA switch - Planned Pregnancy

You left out how much each plan costs for contributions from your paycheck. I know you won’t know 2019 for the next few weeks, but 2018 is a good guide. On its face, the HSA plan looks better without knowing the cost.
by BeneIRA
Wed Sep 12, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mom died, financial guidance welcome.
Replies: 21
Views: 3286

Re: Mom died, financial guidance welcome.

I'm just digging into this topic so any guidance is welcome. I don't know what I don't know, so feel free to answer questions I don't even know to ask. I believe the following may represent the entire picture: 1. Small amount in an IRA (my sister was the beneficiary). 2. Life insurance policy from ...
by BeneIRA
Wed Sep 12, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off, Considering Multiple Options - Which Would You Recommend?
Replies: 48
Views: 7175

Re: Laid Off, Considering Multiple Options - Which Would You Recommend?

OP, from the HR side of it, your company is leaving you in a good situation. Most mega corps are far less generous. While someone in HR will never tell you there is a blacklist for employees on a lay off list, well, let's just say it is extremely difficult to find a position within the same company ...
by BeneIRA
Thu Sep 06, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: To Be or Not to Be...Married
Replies: 135
Views: 5090

Re: To Be or Not to Be...Married

If your Domestic Partner is on your health insurance, then the deductions are coming out as after tax, not pretax, so that is a lost benefit. You are also probably getting smacked with imputed income for having your DP on coverage, too, so that would be one small benefit of marriage.
by BeneIRA
Mon Sep 03, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 38
Views: 7482

Re: Capital One 360 no beneficiary option

Not being able to designate a beneficiary online, but requiring mailing or faxing a notarized form would have been impressive in the 90's, but in 2018, it is pretty ridiculous. I agree, but having recently been through account registration changes with Fidelity, Vanguard, Capital One 360, I can ass...
by BeneIRA
Tue Aug 28, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8643

Re: Mega Downsize....

When in doubt, throw it out. It has served me well. Only a small handful of times over the years have I tossed something out and regretted it and I couldn't even tell you what those are now, so they must not have been important. Move to a smaller space. Ask yourself if you "need" an item. If it's on...
by BeneIRA
Tue Aug 28, 2018 1:53 am
Forum: Personal Consumer Issues
Topic: Cars... just another tool unless your a tool.
Replies: 28
Views: 2677

Re: Cars... just another tool unless your a tool.

Even more nuts... insuring something that's worth over 35k! You're literally spending money to spend money. If it inevitably gets scratched in a parking lot or you run over a piece of metal, wood, etc or other scrap on the road most people will happily spend more money to keep their car looking lik...
by BeneIRA
Sun Aug 19, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Odd credit issue? (took out loan for ring and credit drops 90 pts?)
Replies: 15
Views: 1060

Re: Odd credit issue? (took out loan for ring and credit drops 90 pts?)

There have been three to four posts in the past week about a credit score "mysteriously" dropping. What do almost all have in common? Credit Karma. Credit Karma is not a FICO score. It is a Vantage 3.0 score. Virtually no one uses that score for anything of any value, they use FICO. If you have acce...
by BeneIRA
Sun Aug 19, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 15
Views: 1310

Re: Opinions and experiences with Verizon Prepaid?

I switched a month ago to the $40 plan and so far, so good. My main reason for switching was to get a plan I could use while traveling internationally. It is $10/day for each day you use it so to me not cheap but worth a try. A friend who just returned from the UK, however, said data was super slow...
by BeneIRA
Sat Aug 18, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8680

Re: Credit Card Fraud - $30K

OP, Credit Karma's credit score isn't a real FICO score, it is Vantage 3.0, which virtually no one actually uses. I am sure your FICO score decreased as well, but not over 100 points. Best of luck getting this resolved.
by BeneIRA
Sat Aug 18, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Opinions and experiences with Verizon Prepaid?
Replies: 15
Views: 1310

Re: Opinions and experiences with Verizon Prepaid?

Bogleheads seems like a good place for this. The spouse recently switched to Verizon Prepaid and I will be joining shortly. We have been bouncing around a couple MVNOs but getting tired of poor coverage of ATT and Sprint/Tmobile combined with "we don't work nights by Eastern time or weekends any ti...