Search found 24 matches

by brushwood
Thu Feb 07, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Relocating to St. Pete/Tampa
Replies: 16
Views: 2056

Re: Relocating to St. Pete/Tampa

Do you mind sharing some of the nice luxury apartment buildings in downtown St. Pete that you're referencing, or at least a couple cross streets we should look at? Thank you! This one is really nice http://hermitageluxuryapts.com. It's a block from central avenue, which is full of restaurants, coff...
by brushwood
Tue Feb 05, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Relocating to St. Pete/Tampa
Replies: 16
Views: 2056

Re: Relocating to St. Pete/Tampa

We’re contemplating relocating from the northeast to take advantage of a job offer. My work would be in St. Pete. However, my SO will be working remote until he finds a new job (he’s seen more openings for tech jobs in Tampa than St. Pete so he may end up needing to work there). Questions: What sho...
by brushwood
Fri Jan 25, 2019 7:09 am
Forum: Personal Investments
Topic: 3M Paper Stock Certificate From 1995
Replies: 9
Views: 1412

Re: 3M Paper Stock Certificate From 1995

I ended up finding what happened soon after posting this. The original stock purchaser lived in Illinois at the end of her life and the assets were seized by the state of Illinois, not Massachusetts. We'll just need to file a claim through them.
by brushwood
Thu Jan 24, 2019 7:59 pm
Forum: Personal Investments
Topic: 3M Paper Stock Certificate From 1995
Replies: 9
Views: 1412

3M Paper Stock Certificate From 1995

My wife has a paper certificate for 16 shares of 3m stock that was issued in 1995. It was purchased for her when she was a minor so it reads like this: This certifies that: <The person who bought the stock's> CUST <Wife's maiden name> <A very old address of the person who bought the stock> is the ow...
by brushwood
Sun Jan 13, 2019 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 522
Views: 56582

Re: Fidelity as a one stop shop

Seems my solution is opening a brokerage account and just transferring the amount above what I'm comfortable with to it, and keeping overdraft off. This would limit any risk. Anyone have any other thoughts/experiences? Does Fidelity let you adjust the spending limits on your debit card to essential...
by brushwood
Wed Jan 02, 2019 2:19 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 8377

Re: Should I fully fund IRA each January?

I'd say now is as good a time as any but dollar cost averaging is fine too. If your time horizon is long, it won't really make a difference and there's no way to predict was is optimal anyway. That's how I feel about investing in equities in a lump sum at the beginning of the year at least. If you w...
by brushwood
Fri Dec 14, 2018 2:31 pm
Forum: Personal Investments
Topic: Question About Vanguard Target Fund + VTI (ETF)
Replies: 6
Views: 355

Re: Question About Vanguard Target Fund + VTI (ETF)

How much are you really saving on your overall expense ratio with 10% in VTI? It's going from 0.15 to 0.14 Is that really worth having to maintain the balance between 2 funds instead of just dumping money in regularly into one fund and never needing to do a damn thing? I would say just that alone w...
by brushwood
Tue Dec 04, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 11
Views: 1581

Re: Merrill Edge sweep options just reduced

Yep, they said bank deposits would get the current BIF rate for 6 months and then back to normal. That was a great checking account while it lasted. I called and talked to a rep and he said they will be coming out with new MMF options sometime between now and when the FDIC sweep reverts to it's nor...
by brushwood
Thu Nov 01, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665086

Re: What's Your Credit Card Rewards Strategy?

I have two cards that I pretty much never use anymore: - BofA Cash Rewards (2011). I was keeping this around and putting gas on it because I have platinum status at BofA (5.25% cash back on gas). Well... I just bought a Tesla so I don't see needing this benefit anymore. The card is still a strong e...
by brushwood
Sat Sep 15, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5750

Re: Shorts in Egypt

Thanks for the tips so far. I highly recommend against it. And not just culturally: in addition to being hot, the sun will be strong. Look into lightweight, quick dry, high spf pants, instead. I get mine at Costco for a fraction of the price of the well known sorting brands like Columbia. They can ...
by brushwood
Mon Aug 06, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 3175

Re: My Credit Card Rewards Strategy

Alliant Visa Signature - 3% back on everything for first year, 2.5% after that. This is the best base card I have found. Amex Blue Cash Preferred - 6% back on groceries. Also use "Amex offers" every month that more that offset the annual fee. Costco Visa - 4% gas mainly. Also has Rewind feature tha...
by brushwood
Tue Jun 19, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665086

Re: What's Your Credit Card Rewards Strategy?

Thanks to the bonus from their Preferred Rewards program, I'm all-in on the BofA/ME approach. BofA Cash Rewards (5.25% gas, 3.5% groceries/Costco) BofA Premium Rewards (3.5% dining/travel, 2.62% general spend) Up until now I'd been placing all general spend on a Citi DoubleCash. I also have a Chase...
by brushwood
Sun Jun 17, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3565
Views: 665086

Re: What's Your Credit Card Rewards Strategy?

Thanks to the bonus from their Preferred Rewards program, I'm all-in on the BofA/ME approach. BofA Cash Rewards (5.25% gas, 3.5% groceries/Costco) BofA Premium Rewards (3.5% dining/travel, 2.62% general spend) Up until now I'd been placing all general spend on a Citi DoubleCash. I also have a Chase...
by brushwood
Mon Apr 24, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Looking For Advice - Move NY -> Tampa?
Replies: 53
Views: 6385

Re: Looking For Advice - Move NY -> Tampa?

Can't go wrong with moving to the south. Congratulations! Just moved to Sarasota from NY where I lived/worked my entire adult life....we're currently retired and in our mid sixties. Bought a home recently for about half the price of my NY home and saving ~$10,000/year in property taxes with no stat...
by brushwood
Mon Mar 27, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 51
Views: 9188

Re: Anyone taken a mid-career sabbatical?

Has anyone here ever taken one? What did you do? Would you recommend it? I'm late 30s with good savings but not near retirement level. I'm thinking of one as a way to test some passions, travel and basically have new experiences I can't manage now with an intense job. I'm 39 and just recently settl...
by brushwood
Wed Mar 22, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Adults trip in May to Zion and Bryce National Parks
Replies: 21
Views: 2930

Re: Adults trip in May to Zion and Bryce National Parks

I second Angel's Landing with the caveat that it is a pretty adventurous hike. It is steep and there is a pretty long portion where you will be using chains to get over the terrain. If you are afraid of heights you will not enjoy it. I saw a few people having mini breakdowns trying to force themselv...
by brushwood
Fri Jun 03, 2011 12:38 pm
Forum: Personal Consumer Issues
Topic: Best Cell Phone Plan for unlimited everything - $30
Replies: 52
Views: 9803

Sipdroid is a free app that uses a free pbx to make sip calls. Having said that ... has anyone actually done this? I've found that there are a few annoyances with this approach that don't really make it worth the hassle for me.
by brushwood
Wed Jan 13, 2010 5:19 pm
Forum: Personal Investments
Topic: anybody had experience with AXA Advisors aka AXA Equitable?
Replies: 53
Views: 31134

Re: anybody had experience with AXA Advisors aka AXA Equitab

We doubt if we will change from our Vanguard investments. But we dont loose anything on listening. However, we are still curious have any one of you heard of this company and what should i be concern ahead of time? i will appreciate your advice. Don't even bother to go listen. It's a waste of time....
by brushwood
Mon Mar 31, 2008 9:04 am
Forum: Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1918

I had a busy weekend so I wasn't able to update the list of funds available to me until now. I don't see anything I want to use but I guess I can go on the principal of choosing the things that are "least bad".
by brushwood
Fri Mar 28, 2008 2:30 pm
Forum: Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1918

Nothing more to add to above suggestions. Doesn't sound like a good idea to get involved in some squirrely outside account if the terms can't be understood. If your fund list really is the total available it strikes as one of the most bizzarre arrays of 401K choices seen on this forum so far. There...
by brushwood
Fri Mar 28, 2008 1:45 pm
Forum: Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1918

Welcome to the forum! How about using JEBNX or VISVX? I think JEBNX would be my best option in the 401(k) (though I would much rather be able to get a CD or buy BND). The problem is that if I continue to make contributions up to the max allowed and only buy JEBNX in my 401(k) I will be pretty over-...
by brushwood
Fri Mar 28, 2008 1:39 pm
Forum: Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1918

You don't mention the absolutely critical factor about the 401K, which is what is the employer contribution, if any. There is a match of 5% for a 6% contribution. I will always contribute up to the matching amount, but I only make $45,500, so that's not a large contribution. I am contributing signi...
by brushwood
Fri Mar 28, 2008 1:07 pm
Forum: Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1918

I guess I forgot to mention, I do max out my roth IRA every year now and that is a higher priority for me than the 401(k)
by brushwood
Fri Mar 28, 2008 12:25 pm
Forum: Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1918

Help with Asset allocation and poor 401K choices

I had what I though was a pretty good asset allocation strategy with my IRA at Banc of America Investment Services purchasing ETFs. However I started a new job that has a 401(k) from John Hancock and I don't know what to do with the poor choices I have been given. Here is my account information: Joh...