Search found 2886 matches

by Jags4186
Mon Jan 28, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3303
Views: 631696

Re: What's Your Credit Card Rewards Strategy?

Accrual wrote:
Mon Jan 28, 2019 2:45 pm
Applied for CSR this past weekend and was denied with a CS: 800+ and Income: 100k. Under 5/24. Anyone have a clue as to why I would be denied? Account flagged for churning?
If you are under 5/24 and don’t have some debt issues call them and see if you can get it approved.
by Jags4186
Mon Jan 28, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card in Auto-pay affecting Credit Score
Replies: 31
Views: 1874

Re: Credit Card in Auto-pay affecting Credit Score

In general, a credit score of 740 will qualify you for the best rate. Occasionally a lender will have a higher 760 tier but the lender I went through didn’t really care after 740. As others have noted, pay your bill before your statement cuts and it will report $0. My wife and I were really anal abo...
by Jags4186
Mon Jan 28, 2019 1:29 pm
Forum: Personal Investments
Topic: Helping Kids with Home Purchase
Replies: 70
Views: 4906

Re: Helping Kids with Home Purchase

We are likely to help our son (31) and DIL (28) buy their first house by co-signing so our income helps them qualify. I would be interested to hear what experience others have had. Better still, if there's a related thread I didn't find, I'd appreciate a pointer. Details: -- We can afford to help, ...
by Jags4186
Mon Jan 28, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: Have you heard of active-managed funds refunding management fees (expense ratio) when they don't beat the S&P 500?
Replies: 14
Views: 1082

Re: Have you heard of active-managed funds refunding management fees (expense ratio) when they don't beat the S&P 500?

No and there should be no expectation of the fund company. Fund companies are out there selling their product. Either the product is good enough for you to keep and continue paying or you discontinue service. I believe either Schwab or TD Ameritrade was advertising returning your advisory fee if the...
by Jags4186
Sun Jan 27, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 47
Views: 2490

Re: Honda/Acura maintenance minders

Its good and bad. On the plus side I find that for someone like me who does a lot of highway driving it actually recommends longer intervals than I’m accustomed to. On the negative side it’s generally a way for dealers to upsell you on service. “B2 means you need ABC, XYZ, and 123. That’s $450.” Wh...
by Jags4186
Sun Jan 27, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Honda/Acura maintenance minders
Replies: 47
Views: 2490

Re: Honda/Acura maintenance minders

Its good and bad. On the plus side I find that for someone like me who does a lot of highway driving it actually recommends longer intervals than I’m accustomed to. On the negative side it’s generally a way for dealers to upsell you on service. “B2 means you need ABC, XYZ, and 123. That’s $450.” Whe...
by Jags4186
Sun Jan 27, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Looking for old school CD player & bookshelf stereo
Replies: 28
Views: 1961

Re: Looking for old school CD player & bookshelf stereo

It sounds like they want a boom box. Should be able to find countless on eBay or nicer new ones on amazon.

Personally I think it’s a waste to spend $600 on a tiny little system but if your parents have the money the one you have linked above should be fine.
by Jags4186
Sun Jan 27, 2019 1:23 pm
Forum: Personal Investments
Topic: Risk free or very low risk at 4%
Replies: 43
Views: 4405

Re: Risk free or very low risk at 4%

There is no 4% guaranteed return with liquidity.

Looks like you can buy 3 yr investment grade corporate bonds at Vanguard paying 4.43%. Not FDIC insured obviously.
by Jags4186
Sun Jan 27, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: 2-week European vacation
Replies: 34
Views: 2437

Re: 2-week European vacation

Another vacation thread. Do people even take a look at map,or research anything at all? Or do they just post here first? I am curious because the replies always run to the same things giving good information, but it is all repetitive because the same questions are being asked? First off, people goi...
by Jags4186
Sat Jan 26, 2019 5:46 pm
Forum: Personal Consumer Issues
Topic: How long does lunch meat last?
Replies: 44
Views: 3618

Re: How long does lunch meat last?

For whatever reason, I find the term “lunch meat” revolting. It’s always cold cuts where I am. That said, once it’s slimy or smells I don’t eat it. That’s usually at the 5 day mark, but it depends on how long the package has been open at the deli counter. When they open a fresh pack to give me I fin...
by Jags4186
Sat Jan 26, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Car maintenance - dealer or independent shop?
Replies: 51
Views: 2623

Re: Car maintenance - dealer or independent shop?

I don’t trust dealers beyond the oil change with coupon which usually is a great deal (loss leader to diagnose other ‘problems’). My wife’s car was making some metallic noise in the engine bay and also the rear wheels were making whooshing noises and the suspension wasn’t very smooth. The Subaru dea...
by Jags4186
Sat Jan 26, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4394

Re: Do you ever feel overpaid?

I’ve never felt overpaid. There’s no amount of money one could pay me that would make me feel overpaid.
by Jags4186
Fri Jan 25, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Plenty of Water but no Water Bill
Replies: 21
Views: 2331

Re: Plenty of Water but no Water Bill

Our water company sent us a letter saying we had 60 days to let someone in our basement M-F 9-5 (very convenient) to change our old meter or else our water was shut off and it would be a $1000 reconnection fee. Seems like you have the opposite problem. Interesting to see the different rates people p...
by Jags4186
Fri Jan 25, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Keep home internet service or drop it for Verizon hotspot with 20GB on 4G LTE
Replies: 10
Views: 734

Re: Keep home internet service or drop it for Verizon hotspot with 20GB on 4G LTE

Honestly I'd keep your current service. Broadband isn't an option for us since we are rural and I use the Verizon data service to access the internet. Even having 2 people surfing the net reading the news puts quite a dent in the data and if you download audio books, computer updates/patches or lar...
by Jags4186
Fri Jan 25, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Keep home internet service or drop it for Verizon hotspot with 20GB on 4G LTE
Replies: 10
Views: 734

Re: Keep home internet service or drop it for Verizon hotspot with 20GB on 4G LTE

I can’t speak for how reliable using a MiFi device would be constantly, but if you wanted to go that route here is what I would suggest: Switch your phone to a Verizon prepaid plan. You can get 6gb for $35/mo with autopay if you buy from an eBay seller (if you buy directly from Verizon you only get ...
by Jags4186
Fri Jan 25, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Not sure how to negotiate BMW prices. Too much variability between cars offered at different dealers.
Replies: 15
Views: 1121

Re: Not sure how to negotiate BMW prices. Too much variability between cars offered at different dealers.

I'm currently trying to assist a family member in the purchase or lease of a BMW X1. I am finding it challenging to compare apples to apples. When I find something in stock at one dealer, and then ask another to match, rather than give me a price for the exact car, they offer me a different car in ...
by Jags4186
Wed Jan 23, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8149

Re: What is a Boglehead funeral/burial?

Wake, 2 viewings
Church service
Cemetery
Repass

Paid out of my estate
by Jags4186
Wed Jan 23, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is Considered Middle Class?
Replies: 36
Views: 3142

Re: What is Considered Middle Class?

If you make too much to receive food stamps and Medicaid but not enough to fly private, you’re middle class. At least that’s what it seems like by people classifying themselves...
by Jags4186
Wed Jan 23, 2019 1:12 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 65
Views: 2654

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

Verizon is absolutely phasing out CDMA. See for example https://www.fiercewireless.com/wireless/verizon-stops-activating-cdma-3g-devices-as-network-shutdown-looms. There was another thread here just a few days ago about the iPhone 5S not working on Verizon in the future because it doesn't support V...
by Jags4186
Wed Jan 23, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife
Replies: 65
Views: 2654

Re: Cell Phone Plans - Question Re Best Plan for Combining Husband & Wife

There’s lots of options. If you like Verizon and own your phones outright I would recommend Verizon prepaid. You can then mix and match plans for each of you. In addition you can buy Verizon prepaid refills on eBay for 25-35% off regularly to save even more money. For example you could each have unl...
by Jags4186
Tue Jan 22, 2019 6:15 pm
Forum: Personal Investments
Topic: Help me understand why I need bonds
Replies: 19
Views: 1427

Re: Help me understand why I need bonds

The hope is you don’t need 10% of your portfolio in 1 year any scenario ever. Let alone 10% of your portfolio before the hypothetical crash.
by Jags4186
Tue Jan 22, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3594

Re: Recommendation for pickup truck?

He cannot be - UNLESS it was to buy a Sports Car (to his "standards"). Although much older now, he is in some respects, like a teenager - he knows "everything". :) If that is his attitude I would not get involved in his car purchase. Let him do whatever he wants to do. It’s best he makes a big mist...
by Jags4186
Tue Jan 22, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3594

Re: Recommendation for pickup truck?

Toyota Tacoma would be the boglehead choice for trucks I think. Low depreciation and low operating costs (for a truck). Very reliable. There is a well documented frame rust issue that has been resolved but worth being informed about. You buy new cars with low depriciation and used cars with high de...
by Jags4186
Tue Jan 22, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3594

Re: Recommendation for pickup truck?

dm200 wrote:
Tue Jan 22, 2019 11:35 am
Jags4186 wrote:
Tue Jan 22, 2019 11:33 am
What is his budget?
I think up to about $20,000 - preferable less.
You can get a crew cab F150 circa model year 2013 for around $18000. Prices drop the older you go.
by Jags4186
Tue Jan 22, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Recommendation for pickup truck?
Replies: 70
Views: 3594

Re: Recommendation for pickup truck?

What is his budget?
by Jags4186
Mon Jan 21, 2019 5:19 pm
Forum: Personal Investments
Topic: Saving for 1-2 years rather than for a lifetime
Replies: 75
Views: 6456

Re: Saving for 1-2 years rather than for a lifetime

I’m 34 and I feel like establishing and following strict 25 years long saving plan might be huge mistake. The only mistake is this line of thinking. If you are under 50 why at all bother with lifetime saving? Why not save for 1-2 years of expense and live a less saving-driven life? Because if you s...
by Jags4186
Mon Jan 21, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 11050

Re: Fidelity Rewards Visa Card

Can someone explain further how to get the 2% rebate out of Fidelity? The specific steps. Right now it goes to my wife's Roth IRA which is only complicating our portfolio management, that's the only reason that account is at Fidelity. Thanks! Can do! 1) Log in to fidelity. Avoid the temptation to g...
by Jags4186
Mon Jan 21, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3288

Re: Sicily over Italian cities?

What if you live your whole life in the US but never visit New York, Washington, Boston? :) While we did visit relatives in the Boston area once, have never been and have no plans to ever visit NYC or DC. However, on our one trip to Italy we did visit Rome, Venice, etc. and when we go back we will ...
by Jags4186
Sun Jan 20, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8327

Re: Divorce w/child. Spouse wants to move.

You need an attorney.

That said, you wife doesn’t just get to choose to move to Arizona. You live in the northeast. The child lives in the northeast. You have 50/50 custody. She can’t move unless the court says she can move. Hard to have 50/50 custody 2000+ miles apart.
by Jags4186
Sun Jan 20, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3288

Re: Sicily over Italian cities?

Going to Italy and just going to Sicily to me is like visiting America and choosing to go to Colorado over New York, Washington, Boston, etc. What if you live your whole life in the US but never visit New York, Washington, Boston? :) While we did visit relatives in the Boston area once, have never ...
by Jags4186
Sun Jan 20, 2019 8:45 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6603

Re: Paying thousands per ticket to attend the NFL Super Bowl?

As with anything, if money were no object to me definitely. But it is and I can’t see myself spending $20k to go to a game.
by Jags4186
Sun Jan 20, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3288

Re: Sicily over Italian cities?

Going to Italy and just going to Sicily to me is like visiting America and choosing to go to Colorado over New York, Washington, Boston, etc. What if you live your whole life in the US but never visit New York, Washington, Boston? :) While we did visit relatives in the Boston area once, have never ...
by Jags4186
Sun Jan 20, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Confirm that IPhone 5s Won't Work on Verizon Network as of Late 2019?
Replies: 13
Views: 1782

Re: Confirm that IPhone 5s Won't Work on Verizon Network as of Late 2019?

Once the CDMA network is turned off any phone that doesn’t support VoLTE will no longer be able to make phone calls. Depending on what Verizon does either your phone will be deactivated or only support a data connection. I’m thrilled they are doing this. Companies spend too much time and money suppo...
by Jags4186
Sat Jan 19, 2019 4:27 pm
Forum: Investing - Theory, News & General
Topic: How much money does one need to setup a private S&P 500 fund?
Replies: 114
Views: 8935

Re: How much money does one need to setup a private S&P 500 fund?

M1 lets you own 500 securities so I assume you could recreate it there for nothing but effort on your part.
by Jags4186
Sat Jan 19, 2019 2:14 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2317
Views: 403785

Re: What are you up YTD? [Year To Date]

I am up 7.6% YTD
2018 down 11.16%
by Jags4186
Sat Jan 19, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 49
Views: 3288

Re: Sicily over Italian cities?

I mean if you’ve never been and never will go again you need to hit the big sites: Rome, Florence, Venice. If you have time go down to Naples to see Pompeii. Capri, Cinque Terra, Pisa, Palermo, Sienna, Sicily should all be in the Tier 2 of Italy. Going to Italy and just going to Sicily to me is like...
by Jags4186
Sat Jan 19, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3088

Re: Is My Iphone Now a Brick?

No, no, no. You cannot sell it in the current state the phone is in as it is of no use to any buyer. They would have the same issues as you and request their money back. What? You literally sell it as-is bad ESN for parts only. There are dozens of eBay auctions for parts only iPhones. Thats why the...
by Jags4186
Sat Jan 19, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4006

Re: Any good reason to get a smartwatch?

I have an Apple Watch. It serves the following purposes: 1) Tracks steps, calories burned, etc. 2) Ability to ping my phone when I put it down and can’t find it 3) Ability to go out for a walk/run and be able to listen to music without having my phone strapped to my arm 4) GPS tracking in said walk/...
by Jags4186
Fri Jan 18, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3088

Re: Is My Iphone Now a Brick?

No, no, no. You cannot sell it in the current state the phone is in as it is of no use to any buyer. They would have the same issues as you and request their money back. What? You literally sell it as-is bad ESN for parts only. There are dozens of eBay auctions for parts only iPhones. Thats why the...
by Jags4186
Fri Jan 18, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3088

Re: Is My Iphone Now a Brick?

why didn't you just reset the password? https://appleid.apple.com/#!&page=signin In order to reset the password, you have to enter your information for review and they will send you a phone message in 13 days time to tell you how to reset it but since I reset the phone back to factory state, that i...
by Jags4186
Thu Jan 17, 2019 4:39 pm
Forum: Personal Investments
Topic: 57 yr old w/$14K
Replies: 24
Views: 3667

Re: 57 yr old w/$14K

Does he owe the government any money? Back taxes? Federal student loans? Federally backed mortgage? With lots of illnesses and limited earning potential his best bet might be not paying any debts. He is judgment proof but the government can garnish Social Security. Private lenders cannot. Whatever m...
by Jags4186
Thu Jan 17, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (really)?
Replies: 129
Views: 7261

Re: How much house can I afford (really)?

The biggest concern I have is that it doesn’t seem like you’ve saved much compared to your income. That could be because the income is new or because you’re spending a lot already. Only you know the answer but if the income is new you should look to bulk up your savings significantly for at least a ...
by Jags4186
Thu Jan 17, 2019 10:49 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3303
Views: 631696

Re: What's Your Credit Card Rewards Strategy?

Is there a way us to verify if our new Barclay Arrival card (partner of AA) IS a "chip and PIN" rather than regular "chip and signature"? Thanks. RM I believe all Barclaycards issued have chip and pin capability. No card issued in the United States is a chip and pin only card. That last sentence is...
by Jags4186
Wed Jan 16, 2019 11:56 pm
Forum: Personal Investments
Topic: Why are you NOT buying rental properties?
Replies: 221
Views: 16792

Re: Why are you NOT buying rental properties?

Leverage = bigger returns.
Leverage = bigger losses.
by Jags4186
Wed Jan 16, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Gillette Mach 3 alternatives
Replies: 81
Views: 6349

Re: Gillette Mach 3 alternatives

I’ve tried Dorco, Schick, 2 blades, 3 blades, 4 blades, 5 blades, 6 blades. Nothing is as good as Gillette Fusion. Just be on the lookout for coupons and cut your shaving down from everyday to just Monday, Wednesday, Friday. I bought a pack of 20 fusion blades for just under $20 after stacking a few...
by Jags4186
Tue Jan 15, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 31321

Re: Funniest movies of all time? Name five of your favorites...

Trading Places
My Cousin Vinny
The Big Lebowski
Anchorman
Superbad


And although it is a “top” comedy I think the movie is hilarious:

This is the End
by Jags4186
Mon Jan 14, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 4428

Re: Amazon Rewards Visa -- predatory lending?

This is how credit cards work. If you carry a balance forward all new charges are immediately subject to interest charges. Instead of being outraged at American Express or Chase they should have called and asked politely for a one time fee waiver...
by Jags4186
Sun Jan 13, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: PNC 2.35% online savings
Replies: 13
Views: 1633

Re: PNC 2.35% online savings

This offer is only good if you live outside of PNC’s service area.
by Jags4186
Sun Jan 13, 2019 1:27 pm
Forum: Personal Investments
Topic: Would your FIRE plan work had your journey started 1965?
Replies: 66
Views: 4509

Re: Would your FIRE plan work had your journey started 1965?

I didn’t say unemployment was savings. You said the USA has a defined benefit plan therefore the government mandated Social Security contribution isn’t savings while in China government mandated savings is a defined contribution plan that you can withdraw from in case of unemployment. If I become em...