Search found 1741 matches

by guitarguy
Wed Feb 15, 2012 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Jeremy Lin is a Boglehead...
Replies: 42
Views: 5522

Re: Jeremy Lin is a Boglehead...

SteveB3005 wrote:Lindex funds


That's downright Linsanity...
by guitarguy
Wed Feb 15, 2012 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Considering a change to Chase Bank
Replies: 52
Views: 4614

Re: Considering a change to Chase Bank

It's definitely two. It will cost you $12 to find out the hard way. And one has to be at least $500. My husband is paid weekly and he was working partial weeks due to weather and he had four deposits each less than $500 and they still charged the $12. When he was laid off, we had set up a $501 push...
by guitarguy
Sun Feb 12, 2012 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Why Do You Save?
Replies: 45
Views: 2736

Re: Why Do You Save?

The ability to forego todays pleasures for tomorrows promise is one of the few hallmarks of the successful. Dont stop doing what you are doing because the fear will slowly abate and joy will replace it. Well said! One reason we save, and why I (in particular) am so conscious with finances is becaus...
by guitarguy
Sun Feb 12, 2012 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a change to Chase Bank
Replies: 52
Views: 4614

Re: Considering a change to Chase Bank

I've had a Chase checking account since they absorbed the previous bank and a Chase credit card for 20 years and have never once gotten any type of call trying to sell me anything. +1. I've never gotten any soliciting calls from them either. I've had Chase since they absorbed "whatever-the-oth...
by guitarguy
Tue Feb 07, 2012 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's 7 Baby Steps
Replies: 21
Views: 3067

Re: Dave Ramsey's 7 Baby Steps

I posted this same thread/topic a while back. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=87135 Overall my conclusion was to step back and take a look at who his target is...people riddled with debt, and bad high interest debt at that. For them, his debt advice is perfect because they ha...
by guitarguy
Mon Feb 06, 2012 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Plan to move ~5 years, pay extra or save?
Replies: 13
Views: 1577

Re: Plan to move ~5 years, pay extra or save?

If I were you I'd just save rather than pay extra. If paying a little more to make it a round number makes you happy, do it, but I'd just save the bulk of your extra funds. If you park your cash in CDs or wherever an and earn something on it, the difference in what you'd save by pre-paying that low ...
by guitarguy
Mon Jan 30, 2012 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Engineering College Grad- Help!
Replies: 50
Views: 4116

Re: Recent Engineering College Grad- Help!

Another semi-recent engineering grad here (2008). Congrats. Everyone has already said it, but I'll say it again. 1. Live very frugally. 2. 401k to match. 3. Save up a $1k E-Fund. 4. Smash your debt. Those rates are crazy. Forget about Roth or anything else right now. I graduated with a fair amount o...
by guitarguy
Thu Jan 26, 2012 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: would you buy this Honda Accord?
Replies: 15
Views: 1903

Re: would you buy this Honda Accord?

Personally, $9k is too much cash to spend on a rebuilt title IMO. But........ Rebuilt titles CAN be a good buy...it just depends on the damage and the situation. See if they have documentation (pictures and repair receipts) of what happened. With the repair and parts costs these days, sometimes cars...
by guitarguy
Tue Jan 24, 2012 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: How many are you are paying monthly bank fees
Replies: 75
Views: 4838

Re: How many are you are paying monthly bank fees

I bank with Chase and Ally. No fees for Ally at all. No fees from Chase if we have a direct deposit of at least $500 every billing cycle (once a month) which we almost always do. I just got charged a $6 fee because the way my paydates worked out over the Christmas break, I didn't get paid in the bil...
by guitarguy
Thu Jan 19, 2012 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 Tax Question
Replies: 1
Views: 336

1099 Tax Question

I have to issue 4 1099-MISC forms this year to my band members and fill in musicians. Per the state of Michigan website, "certain payers" that file a 1099-MISC with the IRS must also file with the state. To get a copy sent to the state (I use Filetaxes.com) I have to include "State In...
by guitarguy
Wed Jan 18, 2012 1:17 pm
Forum: Personal Consumer Issues
Topic: Active Winter Outerwear
Replies: 10
Views: 1407

Re: Active Winter Outerwear

Hi everyone thanks for all the replies! I was talking to a co-worker here and he has a pair of higher end North Face gloves for snowboarding. I priced them out as well as some others mentioned here, and they seem quite similar in terms of material and such. Lifetime warranty, and I love my jacket ma...
by guitarguy
Wed Jan 18, 2012 11:49 am
Forum: Personal Consumer Issues
Topic: IMac?
Replies: 23
Views: 2036

Re: IMac?

And, I know my wife would love the iphoto program. iPhoto is OK. To be honest, it hasn't been my favorite thing since switching to Mac. It's alright but it's nothing to really get hyped about (at least for me). My wife does the photo thing a lot more than me and she keeps them on our PC instead of ...
by guitarguy
Wed Jan 18, 2012 11:42 am
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

All I know is that the BP Visa blows now. It blows as of March 1st, yeah. Until the change goes into effect it's still my best option, so now comes the calculation of exactly how much gas do I have to buy to end up with just over $25 in rewards that I'll redeem before March 1st and then file that c...
by guitarguy
Wed Jan 18, 2012 11:37 am
Forum: Personal Consumer Issues
Topic: Did you ever regret your career choice
Replies: 54
Views: 5511

Re: Did you ever regret your career choice

Nope not so far. I'm an engineer that doesn't have to sit at a desk and go to meetings all day but rather works 70% in a lab doing hands on stuff. Great benefits and a pretty decent income at 26. Little or no travel, little or no overtime, little or no stress, and very few people that I don't get al...
by guitarguy
Wed Jan 18, 2012 7:06 am
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

All I know is that the BP Visa blows now. It blows as of March 1st, yeah. Until the change goes into effect it's still my best option, so now comes the calculation of exactly how much gas do I have to buy to end up with just over $25 in rewards that I'll redeem before March 1st and then file that c...
by guitarguy
Tue Jan 17, 2012 9:58 am
Forum: Personal Consumer Issues
Topic: Active Winter Outerwear
Replies: 10
Views: 1407

Active Winter Outerwear

I like to hike and such in the snow in the winter time (Michigan). I have a great North Face jacket that I love. Plenty warm and has vents in the underarms to help stay 'cool' when being active in the cold weather. I would love some recommendations for gloves and maybe even winter hats that would be...
by guitarguy
Mon Jan 16, 2012 11:31 am
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

jeffyscott wrote:Chase gives me a bit more than 5%, due to the 10% bonus and 10 points per transaction.


Which Chase card is that?
by guitarguy
Mon Jan 16, 2012 11:27 am
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

:mrgreen: You guys also have to consider paying cash nets a discount on gas @ the pump also. No, at least not around here. Cash isn't the discount...paying credit is an up-charge (usually about $0.10 extra per gal). This is usually only the case at some stations around here. The BP I usually go to ...
by guitarguy
Mon Jan 16, 2012 7:40 am
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

I don't think it is a limited release, one of the articles I had linked above says: The pre-launch campaign beginning Jan. 15 will involve direct mail, e-mail and statement inserts sent to the company’s nearly 2 million current Visa cardholders from Chase Bank, BP’s card-issuer Somewhere else I had...
by guitarguy
Sun Jan 15, 2012 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

Just got the notice in the mail today (it came yesterday).

Looks like we can enjoy our 5% rewards until March 1st...
by guitarguy
Sat Jan 14, 2012 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

I'm thoroughly pissed with BP and chase now. I have used this card for all gas purchases for over 3 years.. In that time I have only going to non bp gas stations 10 times maximum. Same here. I probably will continue to go to BP though (whether or not I use the BP visa) as there is one right on my w...
by guitarguy
Sat Jan 14, 2012 9:13 am
Forum: Personal Consumer Issues
Topic: Buying refurbished Dare I say...Apple
Replies: 22
Views: 3030

Re: Buying refurbished Dare I say...Apple

If you are familiar with Windows I probably wouldn't make the switch to Apple. True dat. If you enjoy troubleshooting problems and running virus protection and having to delete 100 unwanted junk programs on your new computer (and on and on with other annoying things), then definitely don't switch t...
by guitarguy
Sat Jan 14, 2012 9:04 am
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

Well this card just basically became close to worthless. I use it only for gas, and spend about $350/m. About $17/m in rewards. And I don't drive a Dodge Ram...which is about the only thing out there that has a 20 gal tank (ok not really but most smaller cars don't). So I can only use the 'rebates' ...
by guitarguy
Fri Jan 13, 2012 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 7233

Re: credit card rebate trickery (Chase BP Visa and PNC)

Aha, regarding the BP Visa change, via a search, I found this: BP Credit Cards with Pump Rewards BP credit cards are already carried by more than two million consumers and are on target to convert to cents-off rewards later this year. The BP Visa will offer 5¢ off per gallon for every $100 spent on...
by guitarguy
Fri Jan 13, 2012 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment
Replies: 11
Views: 1092

Re: Student Loan Repayment

I don't want to derail the thread much, but I have a related question that might also pertain to the OP... How much should fixed vs. variable rates change one's course of action? Between my wife and I, we have 9 different loans (all between 2.5 and 3%) with some being variable and some fixed rates. ...
by guitarguy
Sun Jan 08, 2012 11:11 am
Forum: Personal Consumer Issues
Topic: Where to buy decent dress shoes
Replies: 4
Views: 446

Where to buy decent dress shoes

Another shoe thread... I need a new pair of black leather dress shoes to wear with suits and dress pants. I don't wear these type of shoes for work so they'd be used sparingly when needed. I'm not really concerned with name brand but I want something that looks good and will be pretty comfortable an...
by guitarguy
Sun Jan 08, 2012 11:01 am
Forum: Personal Consumer Issues
Topic: How to stop a puppy from biting and nibbling
Replies: 25
Views: 2364

Re: How to stop a puppy from biting and nibbling

I wouldn't do any corrections yet (water in the face or cans with pennies or what-have-you) yet because the pup doesn't know it's doing anything wrong. Before you can fairly correct a dog they have to realize they're doing wrong, and have to have already learned what the right behavior alternative i...
by guitarguy
Sun Jan 08, 2012 10:39 am
Forum: Personal Consumer Issues
Topic: Buying shoes
Replies: 17
Views: 1834

Re: Buying shoes

hicabob wrote:the new shoe smell


:lol:
by guitarguy
Sun Jan 08, 2012 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Advice for 33 Year Old
Replies: 9
Views: 1019

Re: Personal Finance Advice for 33 Year Old

My philosophy towards this is to pay down all higher rate debt (over 3% is where I personally drew my line when dealing with our student loans) and then split between savings/debt/investments at whatever percentages you choose....don't put all your eggs in one basket. Here's what I'd do: 1. Make 100...
by guitarguy
Thu Jan 05, 2012 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How to divide $625 per month savings
Replies: 16
Views: 2053

Re: How to divide $625 per month savings

Out of curiousity, what is your income and tax bracket? If you have $6k/m in expenses, that says you have a pretty high income level and maybe a high tax bracket as well? Why Roth?? As for the savings, I'd second the opinion to split between prepaying debt, building your e-fund, and saving for retir...
by guitarguy
Tue Jan 03, 2012 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Engineer: how to make more money
Replies: 54
Views: 16774

Re: Engineer: how to make more money

Start a band!! :twisted:
by guitarguy
Sat Dec 24, 2011 6:52 am
Forum: Personal Finance (Not Investing)
Topic: When will you/should you attain positive net worth?
Replies: 58
Views: 6249

Re: When will you/should you attain positive net worth?

Are you forgetting the value of your house? That should come close to cancelling out the mortgage unless you bought at the peak with no money down. Obviously the biggest driver here is student loans. And that will vary a lot based on school and profession. Very good...thank you! My loan balance is ...
by guitarguy
Thu Dec 22, 2011 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: When will you/should you attain positive net worth?
Replies: 58
Views: 6249

When will you/should you attain positive net worth?

This is obviously for the younger members here like myself... I'm 26, income is ~ $63k, investing in a 401k, maxing a Roth, paying down student loans (accelerated schedule), and a mortgage (minimum payments). No other debt. Assuming I don't take on any more debt (which I don't plan on doing) and kee...
by guitarguy
Thu Dec 22, 2011 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae "2 percent" cash back???? False?
Replies: 29
Views: 2296

Re: Sallie Mae "2 percent" cash back???? False?

gtaylor wrote:* You want really pointless, I had a Bank of America mortgage last year that would only auto-pay from Bank of America checking accounts. Outrageous!


My mortgage is through BOA and they autopay from my checking account at Chase. I never had that problem.
by guitarguy
Wed Dec 21, 2011 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Torn on whether or not to refi 30yr to 15yr
Replies: 26
Views: 2507

Re: Torn on whether or not to refi 30yr to 15yr

P.S. I can't refi into another 30 year FHA loan without having to pay *double* the monthly MI AND resetting the clock for paying it for 5 years. Doesn't make sense to do that, though I wish that were an option. This is the boat I'm in. What's the deal with the double MI costs?? I'm about 2 years in...
by guitarguy
Tue Dec 20, 2011 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 31
Views: 5137

Re: Dave Ramsey

Whats wrong with Dave? Lets count: 1. Exaggerated stock-fund returns 2. Investment allocation all to stock. 3. Roth IRA for everyone, all the time. 4. Leasing a car is always bad. (Come on, why is renting a house ok but renting a car wrong?) 5. Losing the company match from a 401k while you pay dow...
by guitarguy
Mon Dec 19, 2011 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 31
Views: 5137

Re: Dave Ramsey

At just 25 years old I am debt free, refinanced to a 15yr 3.25% mortgage , will have a 6 month and growing emergency fund, will be fully funding a 401k and two Roths. If I had not read his book I would likely not be taking advantage of my six figure income and though I would not be drowning in debt...
by guitarguy
Mon Dec 19, 2011 12:46 pm
Forum: Personal Consumer Issues
Topic: Do you exchange gifts with your wife?
Replies: 41
Views: 4229

Re: Do you exchange gifts with your wife?

Yes, simply because its Christmas. Typically the stuff will be under $200 That is our limit also...of course we always end up going over it even if it's only a bit We like buying each other gifts. I like taking a mental note when she sees something in the store in July and then suprising her with i...
by guitarguy
Mon Dec 19, 2011 12:30 pm
Forum: Personal Consumer Issues
Topic: Hobbies of Bogleheads
Replies: 159
Views: 23045

Re:

etherscreen78 wrote:wine - not cheap


We buy the cheap stuff :lol:

etherscreen78 wrote:guitar - i've found a way not to keep that cheap either. damn.


I keep costs reasonable by getting paid to play :mrgreen:

Also...working out, walking/hiking/frisbee/obedience/etc with my dogs, home improvement stuff, a couple shows and sports on TV
by guitarguy
Fri Dec 16, 2011 8:07 am
Forum: Personal Finance (Not Investing)
Topic: FHA Streamline
Replies: 2
Views: 496

FHA Streamline

Is this worth looking into? I have an FHA loan, bal is $101k, original loan amount is $106k. Rate is 5.125% / 30yr fixed. Is this worth looking into right now? What considerations should be taken? Is there any downside?? I'm just curious, with all the talk everywhere about rates being so low, if I s...
by guitarguy
Fri Dec 16, 2011 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 31
Views: 5137

Re: Dave Ramsey

At just 25 years old I am debt free, refinanced to a 15yr 3.25% mortgage , will have a 6 month and growing emergency fund, will be fully funding a 401k and two Roths. If I had not read his book I would likely not be taking advantage of my six figure income and though I would not be drowning in debt...
by guitarguy
Thu Dec 15, 2011 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 31
Views: 5137

Re: Dave Ramsey

Evans, in his book The 5 Lessons A Millionaire Taught Me, advocates you put 10% of your money toward investing and 10% toward debt pay-down. Then, when the debt is gone, you put 20% toward investing. I think that's good advice. Ramsey is pretty extreme, but honestly, most of his listeners need pret...
by guitarguy
Thu Dec 15, 2011 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 31
Views: 5137

Dave Ramsey

What do Bogleheads think of him? I recently had his 'Total Money Makeover' book cross my path, so I read through it. Seems his philosophies are sort of drastic: 1. Liquidate ALL savings except for $1k saved for emergencies, and suspend ALL investments (including retirement accounts with or without a...
by guitarguy
Thu Dec 15, 2011 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: What is your net worth?
Replies: 30
Views: 11376

Re:

Delayed Gratification wrote:Where's the negative option? Can't assume everyone has made it to zero... :lol:


:?
by guitarguy
Thu Dec 15, 2011 12:22 pm
Forum: Personal Consumer Issues
Topic: Auto Parts
Replies: 6
Views: 600

Re: Auto Parts

I've found that most local stores have similar prices. Around here...

NAPA, O'Riley's, AutoZone, Advance, etc...they're all pretty similar.

I buy everything without going to the dealer. :mrgreen:
by guitarguy
Fri Dec 09, 2011 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Prudential decreased 401k ER
Replies: 6
Views: 1000

Re: Prudential decreased 401k ER

I have some of these funds. Cool! 8-)
by guitarguy
Fri Dec 09, 2011 2:45 pm
Forum: Personal Consumer Issues
Topic: Advice needed on buying a camcorder!
Replies: 20
Views: 996

Re: Advice needed on buying a camcorder!

OK, maybe my perspective is skewed - many of my still pictures are still on the memory card. I can't imagine how much time it took put put the video together! I 2nd the thought about how much time it must've taken to cut up those videos!! ! Yea, what took the most time was going through about 30 VH...
by guitarguy
Fri Dec 09, 2011 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Deposit checks from a remote location
Replies: 28
Views: 2528

Re: Deposit checks from a remote location

+1 for the iPhone app. I haven't visited my bank to make a deposit in months. So fast, easy, reliable, and convenient.
by guitarguy
Fri Dec 09, 2011 8:44 am
Forum: Personal Consumer Issues
Topic: Advice needed on buying a camcorder!
Replies: 20
Views: 996

Re: Advice needed on buying a camcorder!

OK, maybe my perspective is skewed - many of my still pictures are still on the memory card. I can't imagine how much time it took put put the video together! Eh, to each their own. Sort of a moot arguement anyways...your still camera is going to take better still shots and a camcorder will take be...
by guitarguy
Fri Dec 09, 2011 8:02 am
Forum: Personal Consumer Issues
Topic: My Lemon Car
Replies: 23
Views: 2299

Re: My Lemon Car

"German engineering"

:roll: