Search found 5091 matches

by Jags4186
Tue Jan 26, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Cutting Cable Cord Only to Strengthen Internet Cord
Replies: 64
Views: 9004

Re: Cutting Cable Cord Only to Strengthen Internet Cord

These companies are accustomed to getting every one of their customers to pay $100+/mo. It will take a few years but eventually everything will be streamed and your internet bill alone will cost $100+/mo.

Get an antenna, learn to like network tv, and stream sparingly.
by Jags4186
Mon Jan 25, 2016 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?
Replies: 28
Views: 7564

Re: 2016 Mazda CX-3, Honda HR-V, Subaru Crosstrek (or Honda Civic)?

I recently bought a 2016 Honda Civic LX with manual transmission. I love the car and highly recommend. Very very roomy--especially compared to my friends Subaru Crosstrek.

I'm sure the EX with fancier features will make you plenty happy.
by Jags4186
Sat Jan 23, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 19182

Re: Stats on Americans 'cutting the cable' ?

I work at a University and I have to say I am yet to talk to someone under 30 who has ever paid for cable TV. The new term for these people are the " cord nevers". Rest assured the cable companies have strategies in place to ensure their revenue. Comcast, for one, has bought NBC so they have a hand...
by Jags4186
Fri Jan 22, 2016 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: What would a Boglehead do? (CC Debt Dilemma)
Replies: 62
Views: 6068

Re: What would a Boglehead do? (CC Debt Dilemma)

How much money do you make? You have $21,000 in CC debt besides your mortgage and your student loans. While yes, getting out of 20% interest debt is a hair on fire emergency, you might consider doing a financial check over to see why you are in $21,000 of CC debt. You are either 1) overspending on f...
by Jags4186
Fri Jan 22, 2016 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card or other plan for diamond purchase
Replies: 17
Views: 1606

Re: Credit Card or other plan for diamond purchase

Find a card (or cards) with big sign up bonuses and use them to meet minimum spend requirement.
by Jags4186
Thu Jan 21, 2016 6:19 pm
Forum: Investing - Theory, News & General
Topic: CC Purchase Accounting Disagreement: When Charged vs. When Paid
Replies: 31
Views: 2357

Re: CC Purchase Accounting Preference: When Charged vs. When Paid

When you swipe the card is when you pay for something. Credit card float is a convenience of accounting. If you are carrying a balance and paying interest then you have bigger worries than if something is paid for now or later.
by Jags4186
Wed Jan 20, 2016 4:40 pm
Forum: Personal Investments
Topic: I have no more money to invest
Replies: 76
Views: 9139

Re: I have no more money to invest

100% stocks here. Why? I'm 30 years old. I have 8 months of emergency cash in a savings account and I have no real liabilities. Only thing I am slightly upset about is that I plan on buying a home in the next 2-3 years so my taxable portfolio (read downpayment money) is taking a beating right now. I...
by Jags4186
Wed Jan 20, 2016 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 22671

Re: What was your % pay raise?

I received a 0% raise and a 15% bonus.

Pretty unhappy considering I am in sales, my numbers were double what they were last year, but they, without informing us, cut our commission rate in half.

I am looking for new employment as a result.
by Jags4186
Mon Jan 18, 2016 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Still considered "savings"?
Replies: 36
Views: 3944

Re: Still considered "savings"?

Look at your savings rate from a yearly perspective.

Here is the equation: 1 - total expenses/total net income

If that number is negative you are spending more than you make and are going further into debt. If that number is positive congratulations you're building your net worth.
by Jags4186
Mon Jan 18, 2016 10:41 pm
Forum: Personal Investments
Topic: Should I use some of my emergency fund to buy cheap stocks right now?
Replies: 36
Views: 5906

Re: Should I use some of my emergency fund to buy cheap stocks right now?

If you're investing $84,000/yr it seems silly and somewhat inconsequential to try and throw another 10k from your emergency fund in because the market is off 13% from its high. You're talking about a $1000-$1500 advantage if it comes straight back, or additional losses if the market continues to dri...
by Jags4186
Mon Jan 18, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 8337

Re: What online Email do you use

Google's mantra is "Don't Be Evil". Now maybe I am too trusting (I'm also not trading national secrets in my Gmail account) but in general, I find Google's products and services to be really a cut above and free, and if that means I get unobtrusive targeted ads in the web interface, well I get unobt...
by Jags4186
Mon Jan 18, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for a used Mazda in the Seattle area
Replies: 20
Views: 1933

Re: Looking for a used Mazda in the Seattle area

Random question, if you're not that familiar with Seattle... What part of town is she planning on living in? Does she actually need a car? Wallingford area, near the zoo. Since Washington State has no income tax, think see can deal with paying more tax on the car. To settle down initially, think sh...
by Jags4186
Sun Jan 17, 2016 3:30 pm
Forum: Personal Investments
Topic: Lower cost/fee way to invest?
Replies: 7
Views: 1084

Re: Lower cost/fee way to invest?

If you have 0 interest in learning about investing, you should go with a robot-advisor like Betterment or Wealthfront. They will charge you very very low fees (especially compared to what your advisor is showing you) and you will not underperform the broad market. If you want to learn the basics, he...
by Jags4186
Sun Jan 17, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 18955

Re: Amazon Prime: doing the math...is it worth it?

Prime is on sale for $73 + tax right now. I do not have cable and waffled about getting it for Instant Video. I decided to go for it at $78 total. Lots of content, free expedited shipping is icing on the cake. Will decide at the end of the year to renew or not.
by Jags4186
Wed Jan 13, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Car Buying Negotiation
Replies: 17
Views: 6774

Re: Car Buying Negotiation

I just bought a car. I e-mailed the 5 closest Honda dealerships and went to the one which gave me the best price via e-mail. I asked for KBB "good" value on my trade in. They gave me dead center of the estimated range. I was happy for the minimal amount of headaches. It makes no sense to me to make ...
by Jags4186
Tue Jan 12, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 56
Views: 8178

Re: Powerball math: annuity is better?

I'd take the annuity.

Let's face it, if I won the powerball I'm most definitely NOT putting it in the stock market. I'm not going to buy bonds either. I'm probably going to buy TIPS. What do they pay, 2%-3%? A 0 risk guaranteed 5% sounds pretty good to me if I'm not looking to build my portfolio.
by Jags4186
Tue Jan 12, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Optimal iPhone International Roaming
Replies: 6
Views: 1318

Re: Optimal iPhone International Roaming

I know it's not yet available for iPhone but with Google ProjectFi you get 3G data speeds (384kbps I believe) for the same price internationally as you do domestically--$0.01/megabyte. Also, their calling rates are super competitive as well.
by Jags4186
Mon Jan 11, 2016 7:40 pm
Forum: Personal Investments
Topic: 30 yr old, single, $50K to invest... HELP!
Replies: 5
Views: 1013

Re: 30 yr old, single, $50K to invest... HELP!

Welcome, mdbrinker! You should first establish an emergency fund of 3-6 months of expenses. So if you are spending around $4000/mo, you should keep $12,000-$24,000 in a high yield savings account. Right now you can get about 1% at various online banks (Ally, Discover, I'm sure plenty others), You ca...
by Jags4186
Mon Jan 11, 2016 4:52 pm
Forum: Personal Investments
Topic: How do 401k transfers work with regards to investments and blackout periods
Replies: 1
Views: 334

How do 401k transfers work with regards to investments and blackout periods

Hello all, My company recently changed from using MassMutual to Fidelity for our 401k plan (yay!). I had approximately $170k in that 401k which is currently in the "blackout" period (can't see it in the old MassMutual account or the new Fidelity Account). What happens to the money while its in black...
by Jags4186
Mon Jan 11, 2016 1:41 pm
Forum: Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 7193

Re: $1.3 Billion Jackpot - How would you invest it?

I guess TIPS? I don't even know where I would hold the money. I wouldn't care about return, but I would care about it being safe and insured.
by Jags4186
Sat Jan 09, 2016 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Time to change my credit cards?
Replies: 28
Views: 3919

Re: Time to change my credit cards?

What type of rewards are you looking for? This will help people give you better suggestions. As for what you currently have... Amex Gold isn't worth having. At minimum you should upgrade to the Premier Rewards Gold. It costs $20 more a year but you get more bonus earn categories plus you get $100 ai...
by Jags4186
Thu Jan 07, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 10931

Re: Jackpot Now Estimated $700 Million, who's in?

Here's something that puzzles me. Many people have no interest in buying a lottery ticket when the prize is "only" around $200 million, but become very interested when the prize gets up above, say $400 or $500 million. Is the chance of winning $200 million simply not enticing enough, not enough of ...
by Jags4186
Tue Jan 05, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: How is Costco's gas so cheap? (15% cheaper in my area)
Replies: 59
Views: 16333

Re: How is Costco's gas so cheap? (15% cheaper in my area)

Can't speak for gas, but you'd be surprised what the markup at grocery stores is. If Costco is making a 20-25% markup on grocery they are below regular grocery stores.
by Jags4186
Mon Jan 04, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best 2% Back VISA/MASTER Card
Replies: 51
Views: 7297

Re: Best 2% Back VISA/MASTER Card

New Fidelity Visa is a 2% flat cash back card and only has a 1% FTF so it's 1% out of the country. No annual fee, accepted at Costco come March. When they switch my Fidelity AMEX to Visa I might make that my primary card. Better than Citi Doublecash as you won't have to worry about the 1% + 1% perce...
by Jags4186
Sun Jan 03, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 5392

Re: Engaged...So how do we handle finances now?

Happy 2016 All. I'm looking for some opinions/advice/guidance here, sorry for the length, I like to blab. :D .... I've been dating a great guy for a while, and we recently got engaged. We don't have a date set yet, other than wanting pre-June '16. (We are going out to see his mother and family in P...
by Jags4186
Sun Jan 03, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help understanding a credit card issue
Replies: 26
Views: 1898

Re: Help understanding a credit card issue

I have a similar profile to you. Capital One will not approve me for whatever reason. Their letter stated I had no recent recurring loans as reason for denial. Likely they see me as a churner/unprofitable and have blacklisted me. That's all I can think of.
by Jags4186
Sun Jan 03, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Rear ended -- how to handle medical/auto insurance?
Replies: 14
Views: 3623

Re: Rear ended -- how to handle medical/auto insurance?

I'm not familiar with California law but assuming it's similar around the country, when you signed up for your car insurance you had the option of choosing limited tort or full tort. If you chose limited tort (cheaper, I think most take this) you likely have little recourse regarding your whiplash i...
by Jags4186
Thu Dec 31, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Blog
Replies: 10
Views: 3242

Re: Rick Ferri looking to internationalize his portfolio

abuss368 wrote:Does anyone know what happened to Rick Ferri's website: http://www.rickferri.com

When clicking on the link, one is redirected to Portfolio Solutions at http://www.portfoliosolutions.com
Portfolio Solutions is Rick Ferri's advisory firm.
by Jags4186
Thu Dec 31, 2015 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ooma Phone Service - I Do NOT Recommend
Replies: 49
Views: 17558

Re: Ooma Phone Service - I Do NOT Recommend

I had previously recommended the Ooma phone service on this forum. If you need to cancel Ooma I would just call your credit card company and tell them to block any charges from Ooma. I should have done this from the beginning. I had a suspicion they would be difficult. I highly recommend against th...
by Jags4186
Sun Dec 27, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Sororities: The cost of Greek Life?
Replies: 46
Views: 8802

Re: Sororities: The cost of Greek Life?

I graduated college in 2008 and was treasurer at my fraternity for 2 years (a thankless job). I can give a pretty accurate example of what went on with our money. My fraternity dues were $750/semester. This covered use of the house, budgets for parties (booze), socials, t-shirts, general house expen...
by Jags4186
Wed Dec 23, 2015 7:45 am
Forum: Personal Finance (Not Investing)
Topic: "Bonus" on AMEX Blue Cash and Blue Cash Preferred
Replies: 41
Views: 36251

Re: "Bonus" on AMEX Blue Cash and Blue Cash Preferred

I have several different cards for this: I buy $6000 visa gift cards a year on my Amex Everyday Preferred (27,000 Membership Rewards Points) I buy $6000 visa gift cards a year on my Amex Everyday (14,400 Membership Rewards Points) I buy $6000 visa gift cards a year with my Blue Cash Preferred ($360 ...
by Jags4186
Sun Dec 20, 2015 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Reward cards churning and identity theft
Replies: 9
Views: 1839

Re: Reward cards churning and identity theft

If you shop at Target or ever banked at Chase your information is likely compromised. Just do your due diligence and you should be fine.

In fact, I think churners are better off because they are hyper aware of what's going on with their credit.
by Jags4186
Tue Dec 15, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: Anyone using Plastc or Coin?
Replies: 8
Views: 1289

Re: Anyone using Plastc or Coin?

I have a coin. It works less than 50% of the time and also I've been rejected on more than once occasion for it being fishy. It sits in a sock drawer now. $50 I'll never see again. If you are considering getting a coin I would caution you this: if the card loaded on it has a chip and you're purchasi...
by Jags4186
Tue Dec 15, 2015 8:41 pm
Forum: Personal Investments
Topic: 40k car + 110k stock purchase as an alternative to a 150k sports car purchase?
Replies: 29
Views: 2335

Re: 40k car + 110k stock purchase as an alternative to a 150k sports car purchase?

The only thing stupider in this post then buying 110k of AUY is buying a 40k POS VW.

I have a VW. It has been the worst purchase of my life. Buy a 40k Acura or Lexus.
by Jags4186
Tue Dec 08, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: Money for the Rest of Us
Replies: 7
Views: 2435

Money for the Rest of Us

Do any of you listen to the money for the rest of us podcast by David Stein? I have mixed emotions. While on the one hand he is incredibly smart, I've learned so much about so many parts of the financial market, and it genuinely is an interesting podcast, I can't help but feel he is a active manager...
by Jags4186
Tue Dec 08, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Huge credit on Costco AMEX card, can't get rid of it
Replies: 40
Views: 6835

Re: Huge credit on Costco AMEX card, can't get rid of it

I would absolutely cash the check. Chances are they'll never come looking for it, and if they do I would just give them the money back. No big deal...wish it were me!
by Jags4186
Mon Dec 07, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Cell Phone Plans
Replies: 23
Views: 3651

Re: Verizon Cell Phone Plans

Verizon plans are the most purposefully complicated plans I've ever seen. Whatever you do, do not go into a Verizon store and try to figure it out with a salesperson. The amount of triple talk you will get will drive you insane. How so? As explained above, you are charged a certain amount depending...
by Jags4186
Sun Dec 06, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 16377

Re: Best Use of Ultimate Rewards Points

AMEX MR are better for international flights and international premium flights. What makes you say this? IMO, the two programs that are of most value to Americans who want to fly Internationally are American and United*. Chase UR has United as a transfer partner. Amex MR has neither. * - AA and Uni...
by Jags4186
Sun Dec 06, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Cell Phone Plans
Replies: 23
Views: 3651

Re: Verizon Cell Phone Plans

Verizon plans are the most purposefully complicated plans I've ever seen. Whatever you do, do not go into a Verizon store and try to figure it out with a salesperson. The amount of triple talk you will get will drive you insane.
by Jags4186
Fri Nov 27, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 34182

Re: Best credit card for cash back

Putting aside the acceptance of AMEX vs MasterCard, the Fidelity Amex is superior to the Citi Double Cash: 1) Fidelity Amex actually earns 2 BoA World Points per dollar spent. World points can be redeemed for flights at a ratio as high as 1.4 cents per points. That means you potentially could earn 2...
by Jags4186
Fri Nov 27, 2015 3:45 pm
Forum: Personal Consumer Issues
Topic: How to deal with coins from inheritance
Replies: 27
Views: 4994

Re: How to deal with coins from inheritance

I highly recommend an auctioneer who will be paid a commission. It will ensure you will get the highest value of the coins. I'd rather pay a 25% commission then sell to a dealer for 10% of the value.
by Jags4186
Wed Nov 25, 2015 7:40 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 16377

Re: Best Use of Ultimate Rewards Points

How do Chase UR compare to Amex Rewards? I have both card and thinking of getting rid of the Amex gold card as I reach for my chase more and more. Chase UR are generally better than Amex MRs. Maybe if you live in a Delta hub Amex MRs would be close, but Delta's program really stinks. Amex MRs are b...
by Jags4186
Mon Nov 23, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Travel rewards credit card?
Replies: 100
Views: 18254

Re: Contrarian view

I am a credit card enthusiast and would steer you differently. Between my wife and I we have all of them (Amex Platinum, Chase Sapphire, Citi AA Exec, Barclay Arrival Plus, Citi Prestige, etc etc). If you are someone who flies coach than the rewards cards aren't really much more value than 2 cents ...
by Jags4186
Sun Nov 22, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: Best TV to buy
Replies: 96
Views: 12974

Re: Best TV to buy

I helped my aunt and uncle buy a 60" Samsung 1080P TV from best buy for about $849 recently. Every 5" down you save about $50-$75.

Stay away from curved, 4k, or 3d. Waste of money IMO. (and even if it's not....in a couple of years it'll be super cheap)
by Jags4186
Fri Nov 20, 2015 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 34182

Re: Best credit card for cash back

wassabi wrote:
BanditKing wrote:Any 2% cards out there without foreign transaction fees?
I'm interested in this as well.
Fidelity Amex has 1% FX fees. So it's essentially 1% out of the US and 2% in. Not the worst.
by Jags4186
Fri Nov 20, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront/Betterment inflating ETF prices?
Replies: 18
Views: 2835

Re: Wealthfront/Betterment inflating ETF prices?

I've been considering putting some money into either Wealthfront or Betterment for some time now. I know that they charge an asset management fee (0.25% for the amount of money I'll be investing) and that I could just as easily develop an appropriate portfolio for myself without using those service...
by Jags4186
Fri Nov 20, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront/Betterment inflating ETF prices?
Replies: 18
Views: 2835

Re: Wealthfront/Betterment inflating ETF prices?

I've been considering putting some money into either Wealthfront or Betterment for some time now. I know that they charge an asset management fee (0.25% for the amount of money I'll be investing) and that I could just as easily develop an appropriate portfolio for myself without using those service...
by Jags4186
Fri Nov 20, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 5472

Re: Buying a wedding ring

One other thing to add--most people above have mentioned the 4 Cs. I'd recommend going in this order: Cut Carat Clarity Color Assuming you purchase a round GIA diamond (you can also purchase AGS, but GIA is the standard. Avoid IGI EGA whatever other acronyms there are out there): You want: Excellent...
by Jags4186
Mon Nov 16, 2015 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Handling high CC debt
Replies: 64
Views: 5237

Re: Handling high CC debt

do you have any money saved at all? Also, what is your family situation? If you are single I would recommend going balls to the wall, deplete most of your savings to pay this down throw every cent you can at this to get rid of the debt.
by Jags4186
Mon Nov 16, 2015 9:03 pm
Forum: Personal Consumer Issues
Topic: Buying a wedding ring
Replies: 39
Views: 5472

Re: Buying a wedding ring

I bought from Blue Nile. They were excellent to work with and my SO could not have been happier with what she received.