Search found 17 matches

by brushwood
Tue Dec 04, 2018 9:43 pm
Forum: Investing - Theory, News & General
Topic: Merrill Edge sweep options just reduced
Replies: 10
Views: 736

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: 3054
Views: 597595

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: 5618

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: 2773

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: 3054
Views: 597595

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: 3054
Views: 597595

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: 6309

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: 8966

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: 2868

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: 9716

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: Investing - Help with Personal Investments
Topic: anybody had experience with AXA Advisors aka AXA Equitable?
Replies: 53
Views: 30565

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: Investing - Help with Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1908

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: Investing - Help with Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1908

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: Investing - Help with Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1908

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: Investing - Help with Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1908

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: Investing - Help with Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1908

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: Investing - Help with Personal Investments
Topic: Help with Asset allocation and poor 401K choices
Replies: 12
Views: 1908

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...