Search found 784 matches

by WHL
Wed Jan 14, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 8997

Re: Is this an unreasonable quote for interior home painting

It might be high, it might be really low. There is a huge range in quality from one painter to the next. I can't believe some of the responses in this thread... A good paint job is a lot of money, and takes a lot of time. And a lot of prep. It is not unreasonable at all the painter wants to sand an...
by WHL
Tue Jan 13, 2015 10:17 pm
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 8997

Re: Is this an unreasonable quote for interior home painting

I have a 670 sq.ft., 1bd 1 ba condo. I had a well recommended painting company provide me with a quote to do the walls and ceilings. Quoted price is roughly $1800. Ceiling will be white and three other colors will be used. My place is empty, I haven't moved in yet, so no furniture for them to move....
by WHL
Tue Jan 13, 2015 10:13 pm
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 8997

Re: Is this an unreasonable quote for interior home painting

mhc wrote:You should get at least three quotes. It will give you a better feel for the cost in your market.
I've got another company coming in Saturday.
by WHL
Tue Jan 13, 2015 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: First time buyer - mortgage advice
Replies: 22
Views: 2964

Re: First time buyer - mortgage advise

bkinder wrote:I wouldn't even buy a house until I could swing 20% down on a 15 year mortgage. I don't recall the down payment being mentioned.
I don't recall him asking for opinions on his down payment, just the two mortgage types.

Moot point now that the TS has stated he made a decision.
by WHL
Tue Jan 13, 2015 9:55 pm
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 8997

Is this an unreasonable quote for interior home painting?

I have a 670 sq.ft., 1bd 1 ba condo. I had a well recommended painting company provide me with a quote to do the walls and ceilings. Quoted price is roughly $1800. Ceiling will be white and three other colors will be used. My place is empty, I haven't moved in yet, so no furniture for them to move. ...
by WHL
Tue Jan 13, 2015 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250592

Re: How Many Credit Cards do you have?

For those boggled by multi-card owners - you gotta churn to earn! The credit card signup game offers rewards of $200-500 per card many times. I'm not turning down free money :D What credit card offers a $500 sign up bonus? Many do. Chase southwest premiere Chase southwest business Chase ink bold / ...
by WHL
Sun Jan 11, 2015 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2862

Re: Changing Passwords with 2factor authentication

I haven't ever changed my Vanguard ID or password and I'm not planning on it.

I did, however, enable the 2-step. I love that, and have it turned on everywhere possible.
by WHL
Sun Jan 11, 2015 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250592

Re: How Many Credit Cards do you have?

I have the Hilton Amex (no annual fee) and the Hilton Visa (no annual fee) is my backup. I charge EVERYTHING that can be charged (including cell phone bill, Comcast bill, down payments on vehicles). My husband travels a lot for work and charges all his expenses too. We have never paid a dime in int...
by WHL
Sun Jan 11, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250592

Re: How Many Credit Cards do you have?

I signed up for, and was approved for all, four more credit cards yesterday. Three have annual fees, the largest of which is $450 a year. :sharebeer :sharebeer other than amex platinum (100k offer?), what did you get? Chase Southwest Premier, 50k points. I don't fly SW but I will either give these ...
by WHL
Sun Jan 11, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: My process for annual rebalancing + newb info
Replies: 0
Views: 468

My process for annual rebalancing + newb info

I created this semi-EDU thread for another forum, and will also post it here for you guys. I think anyone who is already here will know most of this information, but it can't hurt. This is what I did this morning to rebalance my accounts. I saw some interest from other threads in how I was planning ...
by WHL
Sun Jan 11, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250592

Re: How Many Credit Cards do you have?

I signed up for, and was approved for all, four more credit cards yesterday. Three have annual fees, the largest of which is $450 a year.

:sharebeer
by WHL
Sun Jan 11, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Renewable Energy Index
Replies: 3
Views: 894

Re: Renewable Energy Index

If you own a wind power farm or a solar farm then you have to worry about these changes in incentives. With regards to wind energy, this is actually incorrect. Once the farm has entered production, the production tax credit is already locked in; future expiration of the PTC does not change this. Th...
by WHL
Fri Jan 09, 2015 12:31 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 18098

Re: Stacked up some more silver bullion today

Feb 2013 : 20 oz @ $29 / oz. Anyone else buy on this dip? Jan 2015: Just got a 20 oz roll of American Silver Eagles. Spot price is $15.69/oz. Strikes me as volatile as speculating on oil prices. That said, I suppose, assuming $320 is not a significant part of your portfolio, I suppose it could be f...
by WHL
Fri Jan 09, 2015 9:00 am
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 18098

Re: Stacked up some more silver bullion today

What is the total spread, including sales taxes if any, between the buying and selling price? Yes, this is the important measure when it comes to transaction costs, not the selling price over spot. And I can't imagine what would be wrong with discussing the correct cost and payment of taxes on bull...
by WHL
Thu Jan 08, 2015 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Max HSA contribution calculation
Replies: 3
Views: 834

Re: Max HSA contribution calculation

N1CKV wrote:both. HSA contributions are all inclusive - unlike a 401K.
401k contributions are "all inclusive" as well. 51k per year.
by WHL
Thu Jan 08, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Just left meeting with my advisor....
Replies: 57
Views: 9721

Re: Just left meeting with my advisor....

hulburt1 wrote:so lets say you have 1m. at 1.8 every year you have paid 180,000 or for one of his kids to go to college.
Time for a new calculator...
by WHL
Tue Jan 06, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else reluctant to put new money in bonds right now?
Replies: 27
Views: 4372

Re: Anyone else reluctant to put new money in bonds right no

No hesitation. I buy vanguard total bond every week as part of my 401k contributions.
by WHL
Tue Jan 06, 2015 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: HSA - Help pick my portfolio for the first time...
Replies: 8
Views: 1091

Re: HSA - Help pick my portfolio for the first time...

This isn't enough information. Do you plan on using the HSA for upcoming medical expenses or is it just used as another retirement account? If you really want to invest the money, it should be considered a normal part of your AA just like anything else. Unless an emergency comes up where it would m...
by WHL
Tue Jan 06, 2015 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250592

Re: How Many Credit Cards do you have?

I am not a fan of rotating categories nor am I a fan of annual fees. However, the Quicksilver card requires $2400 in annual spend to recoup the annual fee. Think you'll be able to do that? I never get cards that have an annual fee as policy, and your post sent me worriedly searching the internet to...
by WHL
Tue Jan 06, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 18098

Re: Stacked up some more silver bullion today

Damn, y'all need to learn etiquette regarding bumping a year and a half old thread... 20 oz @ $29 / oz. Anyone else buy on this dip? I'm waiting for the dip to $15/oz... All of these metal threads have gone the way of the dodo. Anyway, still waiting for my $15/oz entry point... Where's WHL? Buying m...
by WHL
Tue Jan 06, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: New car warranty - what has changed?
Replies: 4
Views: 886

Re: New car warranty - what has changed?

Extended warranties from the dealership are PURE PROFIT for them. Do not even entertain the idea.

If you really think you need one, look around online. You can find them at much more competitive pricing.
by WHL
Tue Jan 06, 2015 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Another Down Payment Math Problem
Replies: 14
Views: 3135

Re: Another Down Payment Math Problem

Keep saving. Sell taxable account when the time is right.
by WHL
Tue Jan 06, 2015 11:18 am
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1250592

Re: How Many Credit Cards do you have?

I have no problem paying an annual fee for my cards (the three in my wallet all charge them) but there's no way I'd go with the rotating category card. I just don't have time to fool with those. I keep lots of cards because i game the sign up bonuses. My main cards are Hilton Amex surpass (for obvio...
by WHL
Tue Jan 06, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Asset Allocation?
Replies: 3
Views: 1046

Re: Vanguard Asset Allocation?

What's the fund ticker? Look it up on Morningstar and compare for yourself.
by WHL
Tue Jan 06, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Help pick my portfolio for the first time...
Replies: 8
Views: 1091

Re: HSA - Help pick my portfolio for the first time...

This isn't enough information. Do you plan on using the HSA for upcoming medical expenses or is it just used as another retirement account? If you really want to invest the money, it should be considered a normal part of your AA just like anything else. Unless an emergency comes up where it would m...
by WHL
Tue Jan 06, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: What to do with my investments?! 24 y.o no debts
Replies: 9
Views: 1430

Re: What to do with my investments?! 24 y.o no debts

You mention making a Roth IRA contribution for 2015 - did you make one for 2014? Did you have earned income for 2014? Yes, it is an amazing idea to dump the taxable account and put that money into a Roth. I would also do the same with your 401k - contribute more than you can actually afford and cons...
by WHL
Tue Jan 06, 2015 11:01 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Help pick my portfolio for the first time...
Replies: 8
Views: 1091

Re: HSA - Help pick my portfolio for the first time...

This isn't enough information.

Do you plan on using the HSA for upcoming medical expenses or is it just used as another retirement account?

If you really want to invest the money, it should be considered a normal part of your AA just like anything else.
by WHL
Tue Jan 06, 2015 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 35
Views: 5889

Re: Do you keep all your eggs in one basket?

I closed my EJ, Schwab, and Fidelity accounts when I fully joined a boglehead portfolio philosophy a couple of years ago. I already had the bulk of my funds at vanguard but wants to simplify. Today, I have all IRA money at vanguard, our work 401k just changed to Wells Fargo (yuck), and I have some t...
by WHL
Tue Jan 06, 2015 6:42 am
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 12029

Re: Accepting counter-offer to stay at job

I have never, and most likely would never, accept a counter offer. In my experiences, more money would only have been a patch on the underlying issues of the company or location I was at. And yes, imho, it only puts a target on your back for the future. If you did a good enough job negotiating your ...
by WHL
Sun Dec 28, 2014 3:08 pm
Forum: Personal Consumer Issues
Topic: Parent liability for young adult child
Replies: 31
Views: 4207

Re: Parent liability for young adult child

If he sells them fast enough he doesn't need to title them, but yes, he can run into an issue of not having a resellers license of some sort. If he buys a car at he auction, how does he get it home, allow test drives and check out any repairs he makes, etc? Bonafide dealers usually have "dealer" pl...
by WHL
Fri Dec 26, 2014 5:32 pm
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 10861

Re: Do you have or recommend a Financial Only PC?

I'm not paranoid enough for that. I do all of my financial stuff on my personal laptop, work laptop, personal ipad, and company iphone. Everything from any of the devices, it doesn't bother me.

MSE on both computers and common sense is more than enough to keep me protected.
by WHL
Fri Dec 26, 2014 5:25 pm
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 12880

Re: Why did gas mileage recently drop on my older CRV?

I've now checked with a couple different auto parts dealers (O'Reilly and NAPA) as well as a repair shop and all have told me the diagnostic scanner won't find anything unless the Check Engine warning light on the dash is illuminated -- which it is not. That's not necessary true. I know for a fact ...
by WHL
Fri Dec 26, 2014 5:19 pm
Forum: Personal Consumer Issues
Topic: Parent liability for young adult child
Replies: 31
Views: 4207

Re: Parent liability for young adult child

If he sells them fast enough he doesn't need to title them, but yes, he can run into an issue of not having a resellers license of some sort.
by WHL
Fri Dec 26, 2014 5:08 pm
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 15972

Re: Don't be tempted to buy your teen a cheap (old) car, par

New car dealers must love you people :shock:
by WHL
Fri Dec 26, 2014 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 9948

Re: What price are you planning to pay for your next car?

Most likely somewhere between 15-35k. I've had my current vehicle since 2005 (170k miles!) and want to keep it a few more years before worrying about this.
by WHL
Thu Dec 18, 2014 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 30
Views: 3812

Re: Looking to move inheritance from high-fee advisor

As has already been said, the size of the account really doesn't matter. The three fund portfolio is simple enough that you really should be able to do it yourself. Taking advantage of the account sign up bonuses isn't a bad idea, either. I would really start maximizing ALL available tax shelter typ...
by WHL
Sat Dec 13, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: iPad Purchase - Online vs Store
Replies: 24
Views: 2439

Re: iPad Purchase - Online vs Store

I purchased mine from a T-Mobile store. They had a promo going on a couple of months back, $100 off with any data plan. I signed up for the $10/month no contract plan and cancelled it when I got home.

Definitely look around still all of the retailers. They compete hard for your business.
by WHL
Fri Dec 12, 2014 3:11 pm
Forum: Personal Consumer Issues
Topic: Different Experience With TSA Pre-Check
Replies: 35
Views: 4872

Re: Different Experience With TSA Pre-Check

"I just plan for the full monty every time" Yep. FWIW, the info I read on the TSA website says that Pre-check passengers should still put liquids in a plastic bag, in case pre-check in not available. Normally, they can stay in your suitcase if PreCheck is available. But anyone is subject to detaile...
by WHL
Fri Dec 12, 2014 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 7818

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I spent about 60k last month, the majority going to my new home downpayment and related expenses. Instead of going into my emergency fund savings account, I sold 15k of VTSAX from my taxable account.
by WHL
Fri Dec 05, 2014 11:26 am
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 6955

Re: Fly or drive? Not just time vs. money anymore

I've flown 1xx,xxx miles this year and also driven 3x,xxx miles, most for work. I typically fly but if I know what my schedule is, where I'm going, duration, etc. i sometimes choose to drive. I don't do it for cost savings (couldn't care less as the company is paying for it) but instead for my perso...
by WHL
Sun Nov 30, 2014 10:01 am
Forum: Personal Consumer Issues
Topic: Home Improvement Discussion Board / Forum Recommendation
Replies: 8
Views: 2170

Re: Home Improvement Discussion Board / Forum Recommendation

Give the forums on www.garagejournal.com a try. I love that place. We're anal about our Snap-On tools, however, so stay out of the tool forums unless you're okay with that :)
by WHL
Sat Nov 29, 2014 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Trapped Chase Rewards Points Usable at Amazon
Replies: 4
Views: 1554

Re: Trapped Chase Rewards Points Usable at Amazon

I had a bunch of "orphaned" points on a couple cards (not nearly enough to qualify for outright cashback) Did you know you can consolidate them to one card? If you still have an active card, you will be able to meet the minimum. I believe that's only possible if you have one of the cards that allow...
by WHL
Wed Nov 26, 2014 9:45 am
Forum: Personal Consumer Issues
Topic: How to find refundable airfare or open ticket ?
Replies: 17
Views: 2258

Re: How to find refundable airfare or open ticket ?

I fly a lot for work and have never found a refundable ticket to be worth the price. The 200 (domestic) or 300 (international) change / cancellation fee is always more cost effective.

Sorry!
by WHL
Wed Nov 26, 2014 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Very new to investing, questions on my portfolio
Replies: 5
Views: 1204

Re: Very new to investing, questions on my portfolio

If I had debt, I would do a 401k to the match and max a Roth IRA. Anything else gets put against debt. Since you don't get a match, eliminate that, max both of your Roth IRA's and pay off the debt. Sell the taxable account. No need for that, imho, unless you're maxing all available retirement accoun...
by WHL
Wed Nov 26, 2014 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Rising Interest Rates And Bond Funds?
Replies: 9
Views: 1549

Re: How Will Rising Interest Rates Affect Bond Funds?

Let's say you paid $100 for a ten year bond that pays 3%, I.e., $3 each year. Then you wanted to sell it. In the mean time rates have risen to 5% for this type and duration of bond. So I could take my $100 and buy a bond that gives me $5 each year for 10 years. Would I want to buy your bond for $10...
by WHL
Tue Nov 25, 2014 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs 401K
Replies: 6
Views: 999

Re: Mortgage vs 401K

I am brand new with making mortgage payments, but one of my caveats when looking for properties to purchase was that I would not be reducing my max contributions to 401k, rIRA, and HSA. So, I found a place i like where I am comfortable and still able to max my retirement accounts and save money. Hop...
by WHL
Tue Nov 25, 2014 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 won't give me an ATM-only card?
Replies: 22
Views: 2587

Re: CapitalOne360 won't give me an ATM-only card?

I never activated the ING Orange Debit card they sent me years ago. I do, however, use my Chase debit card strictly as an ATM card at Chase banks, and have had no issues. The benefit with ING (Cap1) is that you can create additional accounts. So, create a second checking account, get a debit card fo...
by WHL
Tue Nov 25, 2014 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage/Ins/Taxes as a % of income
Replies: 3
Views: 869

Re: Mortgage/Ins/Taxes as a % of income

My brand new mortgage payment, with taxes, insurances, and utilities, is at 19.7% of my pre-bonus gross income. After contributing over 26k annually in retirement accounts, the mortgage seems daunting, even though it isn't on paper.
by WHL
Tue Nov 25, 2014 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocation after Edward Jones
Replies: 10
Views: 1750

Re: Help with allocation after Edward Jones

Found out today after checking that my current 401k doesn't allow income rollovers. So for me to be able to take advantage of a backdoor Roth, how would I go about being able to do this without having to deal with the pro-rata rules? Pay the taxes out of pocket to convert your existing tIRA to a rI...
by WHL
Sun Nov 23, 2014 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: How to get started saving for the long run? (I'm 19)
Replies: 1
Views: 425

Re: How to get started saving for the long run? (I'm 19)

At 19 and only working part time there are a host of other questions that need to be answered, but I'll keep it simple for now. 1. 401k to company match 2. HSA (if available) 3. Roth IRA 4. 401k to max Pretty simple and straightforward. More important than the investing, however, is your normal budg...