Search found 856 matches

by BeneIRA
Thu Apr 01, 2021 6:43 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3481

Re: Duolingo

Has anybody used Duo lingo successfully to learn a language? I am looking for cheap and yet effective ways to learn French. As a reference - https://www.nytimes.com/2019/05/04/smarter-living/500-days-of-duolingo-what-you-can-and-cant-learn-from-a-language-app.html I did Duolingo French and Spanish ...
by BeneIRA
Sat Mar 27, 2021 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retire vs resign - Is there a difference?
Replies: 81
Views: 8147

Re: Retire vs resign - Is there a difference?

I read somewhere in this forum that retiring means different thing from resigning from MC. Someone mentioned one needs to be 55 years old to officially retire (per MC policy). Is it true that MC gives more benefit to folks who retire such as future RSU vesting and other things??? Thanks for sharing...
by BeneIRA
Sat Feb 27, 2021 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: renting without an in-person showing
Replies: 19
Views: 1006

Re: renting without an in-person showing

Planning on moving 900 miles, and are going to rent either a town home or house at the new location. Trying to decide if I should make a trip to look at potential properties, or if virtual showing is acceptable. Thoughts? Experiences? Thanks. Do you have a realtor now? As someone above stated, if y...
by BeneIRA
Mon Feb 15, 2021 7:20 pm
Forum: Personal Investments
Topic: Empower to Vanguard Employer 401(k) Roll Over
Replies: 15
Views: 821

Re: Empower to Vanguard Employer 401(k) Roll Over

I have a large (nearly 7 figure) sum in an Empower 401(k) account from a prior employer. I have a new 401(k) account from Vanguard. Each are equally good accounts in terms of fees, investment options, etc. For simplicity's sake, I'd rather roll the old 401(k) to the new employer 401(k). The problem...
by BeneIRA
Sat Feb 13, 2021 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve vs Amex Platinum
Replies: 47
Views: 4112

Re: Chase Sapphire Reserve vs Amex Platinum

I find I can earn many more MR than I can UR so after burning through all of my UR points I decided to abandon Chase since I did not want to stay under 5/24 in under to continue getting their sign up bonuses. Do you MS or is there another way you have of accumulating so many more MR vs. UR? With Am...
by BeneIRA
Wed Feb 10, 2021 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve vs Amex Platinum
Replies: 47
Views: 4112

Re: Chase Sapphire Reserve vs Amex Platinum

I just got hit with my AF for the CSR and they aren't giving me a retention offer. So I'm debating whether to keep this card. I just had my second child so between that and COVID I don't know how much flying I'll be doing this year before December. Is it worth keeping the CSR? Seems that the Amex P...
by BeneIRA
Wed Feb 10, 2021 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Late 20's in Tech: Seeking Advice
Replies: 14
Views: 2405

Re: Late 20's in Tech: Seeking Advice

Thank you all for the responses. Responding to a few common threads: House: In your situation, I am continuing to rent. No question about it. You are spending way, way less than you would on a mortgage. I would keep riding that train until you can't anymore. if you don’t want to own a house, don’t ...
by BeneIRA
Wed Feb 10, 2021 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve vs Amex Platinum
Replies: 47
Views: 4112

Re: Chase Sapphire Reserve vs Amex Platinum

I just got hit with my AF for the CSR and they aren't giving me a retention offer. So I'm debating whether to keep this card. I just had my second child so between that and COVID I don't know how much flying I'll be doing this year before December. Is it worth keeping the CSR? Seems that the Amex P...
by BeneIRA
Thu Feb 04, 2021 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Late 20's in Tech: Seeking Advice
Replies: 14
Views: 2405

Re: Late 20's in Tech: Seeking Advice

So, on the career advice, I will yield to others since the way I see it, there are a number of directions you can go. You sound like you know a little about a lot, which is very useful in a company where you wear many hats, but in a megacorp, you would probably be more siloed and not able to use all...
by BeneIRA
Wed Feb 03, 2021 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car Insurance, Doordash & a Delivery Driver
Replies: 10
Views: 1178

Re: Car Insurance, Doordash & a Delivery Driver

I asked this question a year and a half ago for one of my sons. The answer (Mapfre) was that the policy would need to be changed to a commercial policy. A couple grand more a year. My son didn't do the uber eats job. He later was in an accident. In the claims process, the very first question from t...
by BeneIRA
Sun Jan 10, 2021 1:08 am
Forum: Personal Consumer Issues
Topic: Password manager for Mac Air
Replies: 26
Views: 1984

Re: Password manager for Mac Air

1Password for Mac. Spend the money on the year subscription. It's worth it.
by BeneIRA
Thu Dec 10, 2020 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Chase 5 in 24 month rule
Replies: 10
Views: 1259

Re: Chase 5 in 24 month rule

Thank for the input. I need to be careful on credit card bonuses or I won't be approved for the Chase card that I really want in the future. Word to the wise, if you are past 5/24 and won't get under within the next several months, I would move right along unless you don't want to churn cards. Amex...
by BeneIRA
Wed Dec 09, 2020 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase 5 in 24 month rule
Replies: 10
Views: 1259

Re: Chase 5 in 24 month rule

Referring to the Chase rule to qualify for a credit card of having 5 new credit accounts in 24 months, does the Chase card for which you are applying count as one of the five. If so, then you could only have opened 4 others in the past 24 months, including those for which you are an authorized user...
by BeneIRA
Mon Nov 23, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: $50 statement credit offer for BoA Premium Rewards card
Replies: 19
Views: 1385

Re: $50 statement credit offer for BoA Premium Rewards card

whodidntante wrote: Mon Nov 23, 2020 8:52 pm This showed up when I logged in to BoA's website this evening. Good offer.
Yep. I got the offer and it posted to my account on the next statement. I actually got the email back in August or September I believe for this. BOA is generous with their coding, too, of what constitutes dining.
by BeneIRA
Wed Sep 30, 2020 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49744

Re: JPM Chase Reserve Card gets more expensive

The 5X gas bonus on the Chase Sapphire Reserve ends today. Hoping for another valuable 5X category for Q4.
by BeneIRA
Thu Sep 10, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 12271

Re: Should we buy a $3M+ house with parental help?

Consider the impact of having received a $1 million gift from your parents, or perhaps worse, your in-laws. How will that affect relations in the future? What if they have “advice” for you? I also tire of the constant narrative that real estate rules don’t apply to Bay Area where a house that would...
by BeneIRA
Wed Aug 05, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: COBRA and Possible Break in Coverage
Replies: 13
Views: 943

Re: COBRA and Possible Break in Coverage

I'm really not asking about the mechanics of signing up for Cobra or the issues related to getting medical care while in the transition period. The question is, if he ends up not needing medical care and elects not to have coverage during these two months, is there any disadvantage? At one time, a ...
by BeneIRA
Sun Aug 02, 2020 1:25 pm
Forum: Personal Consumer Issues
Topic: Any Chase Sapphire Reserve cardholders planning on cancelling?
Replies: 93
Views: 9946

Re: Any Chase Sapphire Reserve cardholders planning on cancelling?

or doing a product change due to the increased annual fee? if so, what is your approach? what card will you be replacing it with? The annual fee is $450 this year. https://www.doctorofcredit.com/chase-announces-major-temporary-benefits-on-sapphire-reserve-preferred-1-5-cents-cashout-easy-travel-cre...
by BeneIRA
Fri Jul 24, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Elect HDHP COBRA continuation or pay hospital and ambulance bill directly?
Replies: 8
Views: 745

Re: Elect HDHP COBRA continuation or pay hospital and ambulance bill directly?

I went to the Emergency Department this week. This involved an Ambulance trip of about 10 miles and a short stay in the ED without medication or tests (other than ECG, temperature, and other basics). I was discharged within an hour and it appears to have been a false alarm. I'm currently unemployed...
by BeneIRA
Sat Jul 18, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Alternative?
Replies: 65
Views: 9073

Re: Ally Bank Alternative?

I'll spare you the details of why I want to switch but I've been on Deposit Accounts and Doctor of credit to find options. If you don't mind, can you share why you want to switch? Perhaps, the issue you had is not ally specific. You may experience the same issue with another online bank. I had a pa...
by BeneIRA
Sat Jul 18, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Obtaining my Credit Score online (without "enrolling" in something)
Replies: 11
Views: 947

Re: Obtaining my Credit Score online (without "enrolling" in something)

I have used the AnnualCreditReport (dot com) website to obtain my credit reports online for free on an annual basis in the past, and that same site is currently offering free weekly online reports through April 2021. However, as many here I'm sure are aware, those reports never include the credit s...
by BeneIRA
Tue Jul 14, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: 4-year-old Corolla on long trip
Replies: 51
Views: 3730

Re: 4-year-old Corolla on long trip

This couple is taking their 2004 Corolla on a 50-state, 5-year journey across the U.S. and over two years in, it's still fine. Your car will be fine.

https://nohomejustroam.com/
by BeneIRA
Tue Jul 07, 2020 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase IHG - pay $49 annual fee or cancel?
Replies: 34
Views: 2413

Re: Chase IHG - pay $49 annual fee or cancel?

Do you have a friend or family member (or yourself) who might want to isolate or quarantine in separate quarters in case a household member or contact is infected with COVID? I have a ton of IHG points (was planning for an eight day trip to Intercontinental Resort in San Juan Puerto Rico in April, ...
by BeneIRA
Tue Jul 07, 2020 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase IHG - pay $49 annual fee or cancel?
Replies: 34
Views: 2413

Re: Chase IHG - pay $49 annual fee or cancel?

If you like Holiday Inns, Candlewoods and some Staybridges and Indigos, then the card is great. I am perfectly fine staying in basic hotels, so it works for me. The other big benefit I use is the 10% rebate on points redeemed. It is an amazing benefit. For example, spend 80,000 points on an award st...
by BeneIRA
Tue Jun 30, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Terminating a lease
Replies: 10
Views: 1186

Re: Terminating a lease

Relatives of mine signed an apartment lease for two years. They are leaving after sixteen months as they are buying a house. What options do they have other than paying for the remaining eight months in full? In the lease they signed, it mentions what happens when you are terminating a lease early....
by BeneIRA
Sun Jun 28, 2020 8:29 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 636
Views: 163496

Re: My New Car Buying Tips

Also I don't really understand a Boglehead worrying much about buying such a basic car, since most keep cars nearly forever, barring accidents. For me I wouldn't necessarily keep a car that long but still wouldn't want too basic of a model - missing little features would annoy me over even a shorte...
by BeneIRA
Sat Jun 27, 2020 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of joining a company that is being acquired?
Replies: 10
Views: 1332

Re: Pros/cons of joining a company that is being acquired?

Multiple experiences between my spouse and myself of going through being acquired. Can't say the acquisition ever made anything better. Usually the legacy people get pushed out and the acquiring company makes changes to increase profitability. Remember, the bigger company can't just absorb the other...
by BeneIRA
Tue Jun 23, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: fed workers: any idea why FSA Feds won't allow mid-year changes?
Replies: 9
Views: 650

Re: fed workers: any idea why FSA Feds won't allow mid-year changes?

It's expensive to implement for little value. For the HCFSA, how did your medical, dental, vision and prescription costs change due to the pandemic? It shouldn't have been too much and you have a whole year and possible a grace period to use your funds. The Dependent Care is a bit different, but if ...
by BeneIRA
Mon Jun 22, 2020 9:31 pm
Forum: Personal Consumer Issues
Topic: Moving/Selling House Stuff
Replies: 22
Views: 2208

Re: Moving/Selling House Stuff

First lets ignore the current virus situation for this question. I am considering relocating back east and this time I will likely absorb the cost of moving myself since I'm likely taking a job with a smaller company. I'm exchanging the possibility of a larger company paying for my move for higher ...
by BeneIRA
Sun Jun 14, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: Recommend a mattress?
Replies: 50
Views: 5336

Re: Recommend a mattress?

Read this article years ago. There is a lot of money in mattresses and referrals and very few legitimate websites: https://www.fastcompany.com/3065928/sleepopolis-casper-bloggers-lawsuits-underside-of-the-mattress-wars Mattress Underground seems like a legitimate site that recommends local mattress ...
by BeneIRA
Fri Jun 12, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: JPM Chase Reserve Card gets more expensive
Replies: 509
Views: 49744

Re: JPM Chase Reserve Card gets more expensive

As of this week, there are no longer any restaurants that Doordash delivers to my address. "We couldn’t find any restaurants near your location that we currently deliver from. Follow along as we launch in new cities.". I live in San Jose, California. I would think they could. But apparent...
by BeneIRA
Mon Jun 08, 2020 9:26 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 3322

Re: EPO Horror Stories?

Endurance athletes have a lot of EPO horror stories. Talking medical insurance, not doping. But now I have something more to become educated about. :D PPO = Preferred Provider Organization EPO = Exclusive Provider Organization HMO = Health Maintenance Organization The EPOs that I have seen, and the...
by BeneIRA
Sun Jun 07, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 3322

Re: EPO Horror Stories?

Endurance athletes have a lot of EPO horror stories. Talking medical insurance, not doping. But now I have something more to become educated about. :D PPO = Preferred Provider Organization EPO = Exclusive Provider Organization HMO = Health Maintenance Organization The EPOs that I have seen, and the...
by BeneIRA
Sat Jun 06, 2020 7:52 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 499
Views: 32002

Re: What fun car should I get in the $150k - $200k range?

I also expected someone telling me to get a Corolla or Civic and surprised that has not occurred but the thread is young. There were so many comments if I missed yours please ask again. I am still waiting on the Civic recommendation. I will not be happy until I get one. Hi OP, My goal is to make on...
by BeneIRA
Fri Jun 05, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: is retroactive health insurance ok?
Replies: 5
Views: 588

Re: is retroactive health insurance ok?

I had a qualifying life event and it's taken tons of emails and calls, but I switched health insurance on 6/1. I checked on June 1 and noticed that my dependents were not added to my plan and was told by the health insurance benefits office it was due to an oversight by my health benefits represent...
by BeneIRA
Sat May 30, 2020 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 13118

Re: Are your personal expenses down during stay home and shelter?

Anyone else not renewing their car registration for the upcoming year? Just saved myself $300 by filling for "planned non-operation" with the DMV. Will call the insurance company next. $300? Is California car registration that expensive or are you saving in insurance premiums? Yes CA regi...
by BeneIRA
Fri May 29, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Am I spending too much on rent?
Replies: 13
Views: 1392

Re: Am I spending too much on rent?

No, that is not too much. That would be considered cheap in my area. Your house payment should, ideally, be 25% or less of your gross pay. In this case it looks like you are well within that. Also sounds like you can expect an increase come renewal time, so if you like the place, I would try and neg...
by BeneIRA
Sun May 24, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39963

Re: The axe falls and I am prepared. What's next?

Folks, So, it happened. I will be laid off by the end of June. The basic financial stuff: B) 1 year subsidized medical insurance. C) 1 year COBRA These two items are what stuck out to me. I read three or so pages of this thread and saw a couple of people mention it as well, but these things do not ...
by BeneIRA
Sat May 23, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching 40, worried about financial future
Replies: 121
Views: 13070

Re: Approaching 40, worried about financial future

The OP makes $83k, which is more than double the "average Joe". In fact it puts him in the top 20%. And he lives in a 350k house. There's the problem. Cutting the cable bill and avoiding the $5 coffee is only going to do so much when you live in a house that's over 4x annual income and ha...
by BeneIRA
Sat May 23, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card perks besides cash/points?
Replies: 19
Views: 1697

Re: Best credit card perks besides cash/points?

I generally use credit cards to get best cash rewards. In the past I did make selective purchases for specific charges such as AMEX for extended warranty, Citi Double Cash if I thought I might be able to use price rewind. Now that so many cards have trimmed perks, what are your favorite perks (not ...
by BeneIRA
Sat May 23, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: 2016 Honda Civic Air Conditioning issues
Replies: 16
Views: 2192

Re: 2016 Honda Civic Air Conditioning issues

I had a similar issue last year. Luckily or unluckily, I live in a climate where there is not hot weather for much of the year, so I can live with it. My mechanic told me the AC units on Civics are notorious for failing. A Google search echoes that sentiment. Best of luck, I do not remember reading ...
by BeneIRA
Tue May 19, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4991

Re: Engagement Ring Help

Big fan of James Allen. Got the engagement ring and band there. Prices were much better than brick and mortar. Unless you have to, I would avoid brick and mortar jewelry stores, who will rob you worse than a pickpocket on a crowded subway.
by BeneIRA
Tue May 19, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for grocery rewards
Replies: 53
Views: 6039

Re: Best credit card for grocery rewards

Now that the majority of our spending goes to groceries, I am curious what do you recommend in terms of best credit card for earning rewards in that category? I have a Discovery card that earns 5% in grocery for 3 months ( Jan-Mar) but now we hardly spend on anything else so it's not really useful....
by BeneIRA
Mon May 18, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 7488

Re: Password vault or generator?

Surprised no one mentioned Chrome's built-in password manager. It works across all devices without additional installs or configuration so long as you use Chrome browser. I much prefer the simplicity and portability it offers to any third-party alternatives that may not even be free. And I trust Go...
by BeneIRA
Sat May 16, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 4098

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

If you have to worry about such a situation, then you shouldn't have not bought the car in the first place. Think about it. Financial security before splurging. The calculus is much different with the $1,500 a month second job the OP had. Essentially, they were working for the most part to afford t...
by BeneIRA
Sat May 16, 2020 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 4098

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

the car isn’t in my regular budget. I was funding it from a side hustle that generated net income of $1500+ per month (that I never counted as recurring income - despite having it for the past two years). Once the pandemic hit, I shut down that side business indefinitely (and doubt that I will be a...
by BeneIRA
Sat May 16, 2020 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changing Decision [Mortgage Down Payment]
Replies: 17
Views: 2276

Re: Life Changing Decision

You can absolutely afford this house without question even setting aside the inheritance and the equity from your home sale. Good for you living below your means. My first instinct is that you should go ahead and put down the $250,000 on the house as a down payment. With interest rates collapsing, a...
by BeneIRA
Sat May 16, 2020 8:56 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 22361

Re: What does Market know, that we did not know?

Nothing happening right now is really a shock. There were quite a few unknown unknowns and known unknowns back in March when market volatility was extremely high. After that, it became pretty easy to forecast. There are going to be "X" number of deaths, they can look at various models to d...
by BeneIRA
Sat May 16, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Rent is increased by 6%, negotiation tips?
Replies: 62
Views: 6005

Re: Rent is increased by 6%, negotiation tips?

Just a data point. Daughter and son in law in bay area got notice about six months ago of a rent increase from $4000 up to I think it was about 4500. Daughter looked at new offerings online in the same building and saw that they were going for $4000 so she said she would move to one of those units,...
by BeneIRA
Sat May 16, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?
Replies: 62
Views: 4098

Re: Pay off Tesla as Planned or Keep Cash for Covid Uncertainty?

Sounds like you overextended on the car. Your side hustle was papering over that. If you have to get over a five year loan on a car, you probably can't afford it. The "right" move is to sell the car and get a car you can afford. If you don't want to do that, the next best move would be to ...