Search found 4904 matches

by 555
Mon Jun 15, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Mid caps: black sheep?
Replies: 21
Views: 2340

Re: Mid caps: black sheep?

Black sheep? This thread calls for the billy goats gruff!
by 555
Mon Jun 15, 2015 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase checking account hacked
Replies: 15
Views: 2514

Re: Chase checking account hacked

[OT comments removed by admin LadyGeek]
by 555
Mon Jun 15, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6753

Re: Do I need to keep my landline number?

The most common reasons I hear for keeping a landline are: 1. Provides better 911 call location. 2. Works when the power is out. 3. Provides unlimited local calling. 4. Poor cell phone reception at home. I believe emergency response centers have gotten much better at locating 911 calls from cell ph...
by 555
Mon Jun 15, 2015 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Chase checking account hacked
Replies: 15
Views: 2514

Re: Chase checking account hacked

Grt2bOutdoors wrote:Do you have definitive proof where your data was taken from, sounds like sour grapes you have with your former mortgage provider or you are just grasping at straws.


[OT comment removed by admin LadyGeek]
by 555
Sun Jun 14, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for college
Replies: 9
Views: 1036

Re: Roth IRA for college

Roth withdrawals are income for FAFSA purposes, so that is a terrible place for college savings.
by 555
Sun Jun 14, 2015 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? (Work/company situation)
Replies: 11
Views: 2328

Re: How would you handle this? (Work/comapny situation)

I think your old company may be in trouble beyond belief. Do you mean in financial trouble, or in trouble with the law (or both)? It's hard to see how they could get away with this, unless they are going bankrupt immediately. Even then, some individuals in the company are consciously choosing to wi...
by 555
Sun Jun 14, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6753

Re: Do I need to keep my landline number?

I don't even know what landlines cost anymore, but they've come way down in recent years, haven't they? No they haven't come down, if anything it's the opposite. They are expensive. It seems they are keeping the price up so that people will either drop it and switch to something else, or else just ...
by 555
Sun Jun 14, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6753

Re: Do I need to keep my landline number?

livesoft wrote:We don't have cable. We have internet. Guess how that happens?
Standard progression of events?
Get/keep stuff that's worth the price, and get rid of stuff that isn't?
by 555
Sun Jun 14, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3301

Re: Chase bonus. Why?

You could get up to $2,500 from Fidelity if you opened an account with them right now. I frequently rotate money from place to place to get the bonus. Apparently this is if you move a $1M account, so you get a 0.25% boost to your balance. But this is another one to ask, "what's in it for them&...
by 555
Sun Jun 14, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma
Replies: 16
Views: 2330

Re: Credit Karma

Wife and I just signed up for this. It is interesting to see all this information (though some credit cards are also giving scores/info these days) and I understand the scores should be taken with a grain of salt. The list of open and closed accounts is correct. One surprising thing was that my wife...
by 555
Sun Jun 14, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6753

Re: Do I need to keep my landline number?

If you'd like your old landline number to still exist so that folks that you do business with can reach you without you having to contact them all to inform them of a new number, you have a pretty simple option. Because you ported your old landline number to Straight Talk for use on your current Vo...
by 555
Sun Jun 14, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have multiple IRAs through different brokerage firms?
Replies: 25
Views: 2096

Re: Anyone have multiple IRAs through different brokerage firms?

Now if I can somehow view her VG account within my account, that would make it all better and a win in my book. You can definitely do this. We do. The accounts themselves are separate, but you see them all under one login: his/her(or joint) taxable, his/her Trad IRA, his/her Roth IRA, etc. Whatever...
by 555
Sun Jun 14, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3301

Re: Chase bonus. Why?

Checking accounts are a different story. I really think you just need one online-only bank to do all your banking, and I don't have much use for a Brick & Mortar bank. The problem with a checking account at any B&M bank or credit union, large or small, is that they all seem to have annoying...
by 555
Sun Jun 14, 2015 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3301

Re: Chase bonus. Why?

I thought of a big difference between credit cards and checking accounts (with regard to opening, closing and bonuses). With credit cards, you should be able to avoid fees and interest, and you get a small discount (e.g. cash back rewards) and other benefits, compared to other payment forms. And it ...
by 555
Sat Jun 13, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5315

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

But the fact remains that the OP now has new information, with negative implications, that their tenant started a fire on the OP's property and is now doing what appears to be a drama queen victim act. This kind of individual poses a significant danger to the OP, and OP needs to efficiently disenta...
by 555
Sat Jun 13, 2015 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3301

Re: Chase bonus. Why?

Just FYI, you will be getting a 1099 reporting the checking account bonus as interest income and you will need to pay taxes on that. One year I got a bonus like that and for some unknown reason I didn't get the 1099 until March after I had already filed my taxes. I ended up having to file amended t...
by 555
Sat Jun 13, 2015 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5315

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

A tenants business is my tenants business. I say butt out. Tend to your business These kinds of posts totally miss the real point. Yes, it's true that this particular insurance claim needn't involve the OP much, and it would be prudent to keep their distance. But the fact remains that the OP now ha...
by 555
Sat Jun 13, 2015 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase bonus. Why?
Replies: 21
Views: 3301

Chase bonus. Why?

Wife and I each just opened Chase checking accounts and should each get a $300 bonus for doing so. We also each got the Chase Freedom credit card and should each get a $200 bonus (+$25 for the other being an authorized user). We don't normally chase :? bonuses, but these seem to good to pass up, and...
by 555
Sat Jun 13, 2015 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5315

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

Why does someone who is sensitive to smoke play with grease fires?

I think OP should minimize contact with this individual, and part ways amicably when lease ends or is broken.
by 555
Fri Jun 12, 2015 10:31 pm
Forum: Personal Consumer Issues
Topic: Tree Trimming Etiquette with Neighbors
Replies: 30
Views: 4305

Re: Tree Trimming Etiquette with Neighbors

I like my neighbors and I talk to all of them. I have asked them if they minded if I cut branches and also asked them if any trees on my property bothered them. I usually ask at least once a year. Since I get along with everybody, sometimes a neighbor will use me as a go-between when dealing with o...
by 555
Fri Jun 12, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Do you telecommute?
Replies: 21
Views: 2045

Re: Do you telecommute?

I just stay home and pretend I'm doing work. :wink:
by 555
Fri Jun 12, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 2000 Index + Dow Jones Completion Index?
Replies: 12
Views: 568

Re: Russell 2000 Index + Dow Jones Completion Index?

Well in that case, if Dow Jones Completion Index just equals Extended Market Index, then the answer's been given, e.g. this. It is a fund that is supposed to complete market other than S&P 500. Does a Russell 2000 fund add anything? S&P Completion index includes every US stock that is not in...
by 555
Fri Jun 12, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 2000 Index + Dow Jones Completion Index?
Replies: 12
Views: 568

Re: Russell 2000 Index + Dow Jones Completion Index?

What exactly is "Dow Jones Completion Index"?
by 555
Fri Jun 12, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is my tenant trying to scam their renter's insurance company? (Fire Damage)
Replies: 44
Views: 5315

Re: Is my tenant trying to scam their renter's insurance company? (Fire Damage)

dm200 wrote:Here is the puzzle to me - If this is some sort of tenant "scam" - what is the benefit and/or motive? Sure seems like a lot of work/effort to get some things cleaned.
They get to be pampered and fussed over. This may be extremely important to them.
by 555
Fri Jun 12, 2015 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5490

Re: Should I move out of my family's home?

flyingbison wrote:
WCF wrote:I'm 23 years old ...
Rent would likely be around $1000-$1100 a month (California). I make about $85k/year.


Move out yesterday.


Or next year.
by 555
Thu Jun 11, 2015 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Inflation indexed SPIA providers
Replies: 15
Views: 1732

Re: Inflation indexed SPIA providers

If I've done the math correctly (for a 48 year old male), an inflation indexed SPIA from AIG initially has 65% of the payout of a non-inflation indexed SPIA. I would think a better way to compare them would be in terms of the difference in 1st year payout as a percentage of premium. This should be ...
by 555
Wed Jun 10, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move out of my family's home?
Replies: 55
Views: 5490

Re: Should I move out of my family's home?

There may be drawbacks, but staying is much better for overall family wealth. Your parents may see this as a way of getting you on a really solid financial footing. A few years from now you might end up moving to another state, and if it's cheaper, you could be well on your way to owning a house out...
by 555
Wed Jun 10, 2015 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: TIAA-CREF help
Replies: 10
Views: 1085

Re: TIAA-CREF help

DW called TIAA-CREF today and was told she could rollover her TIAA-CREF account into an IRA. I'm curious about this step. Do they transfer the finds "in kind", or at least map them to the most similar funds, (or funds of your choice), with no time out of market? Or do they liquidate to ca...
by 555
Wed Jun 10, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

edge wrote:
555 wrote:
edge wrote:
555 wrote:It's a switch and bait scam.

OK, explain how.

It's a very clever scam. A lot of people here are fooled.

Ok, explain it

You explain why not.
by 555
Wed Jun 10, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

For all intents and purposes, any kind of dealer "mistake" is beyond the realm of possibility.
by 555
Wed Jun 10, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

edge wrote:
555 wrote:It's a switch and bait scam.

OK, explain how.

It's a very clever scam. A lot of people here are fooled.
by 555
Wed Jun 10, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

It's a switch and bait scam.
by 555
Tue Jun 09, 2015 11:50 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

The car dealer is the one that is producing all the documents here. They have total control at all times and they know exactly what they are doing. They alone have contrived a situation in which the OP is now being subjected to menacing demands for money. They should be regarded as dangerous crimina...
by 555
Tue Jun 09, 2015 3:57 pm
Forum: Personal Consumer Issues
Topic: Boglehead flea treatment?
Replies: 39
Views: 2511

Re: Boglehead flea treatment?

I find "Boglehead flea treatment" to be unfortunately ambiguous.

Are you talking about fleas that live on Bogleheads?

Or are the fleas themselves Bogleheads?
by 555
Mon Jun 08, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 13664

Re: Car dealer wants me to compensate for underpayment

You have to use some Bayesian thinking here. Dealer scams are probably 100 times more common than honest dealer mistakes. This might look like one of those rare honest dealer mistakes, rather than one of the much more common dealer scams, but it would be prudent to assume the worst of the dealer, be...
by 555
Mon Jun 08, 2015 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9911

Re: close friend found out how much I have - bad outcome

The situation can be made quite simple. No discussions about money. No money gifts. No loans. If the friendship/aquaintanceship continues, then fine. If not, then oh well.
by 555
Sun Jun 07, 2015 2:04 am
Forum: Personal Finance (Not Investing)
Topic: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?
Replies: 52
Views: 4569

Re: Ob-Gyn requires prepayment of deductible for pregnancy services - is this typical?

As I said previously, this is a response to the huge number of patients that don't pay their bills after the fact. Certainly no Boglehead would do this, :oops: but this is the reality we are left with after so many deadbeats go through the system. Now everyone pays the price. If you don't like it, ...
by 555
Sat Jun 06, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA record keeping?
Replies: 10
Views: 727

Re: HSA record keeping?

Plenty more where these came from. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=152213 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=156240 https://www.bogleheads.org/forum/viewtopic.php?f=2&t=156502 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=157098 https://...
by 555
Sat Jun 06, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: HSA record keeping?
Replies: 10
Views: 727

Re: HSA record keeping?

Many threads on this.
by 555
Wed Jun 03, 2015 9:15 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 6143

Re: Heads up on a great CC promotion (Chase Freedom)

555 wrote:These 5% rotating categories seem really useless. I can't see what I could spend $500 on (though I could spend it on 1% things just to get the bonus). Is there a way to get 5% when purchasing something useful like gift cards for Walmart or Amazon?
harikaried wrote:Just to make sure, you're trying to decide between 41% cash-back vs 45% cash-back?
Well it could be the difference between net worth $999,990 and net worth $1,000,010. 8-)
by 555
Wed Jun 03, 2015 5:47 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 6143

Re: Heads up on a great CC promotion (Chase Freedom)

These 5% rotating categories seem really useless. I can't see what I could spend $500 on (though I could spend it on 1% things just to get the bonus). Is there a way to get 5% when purchasing something useful like gift cards for Walmart or Amazon?
by 555
Wed Jun 03, 2015 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay $150 In Taxes On $150000 Income
Replies: 37
Views: 7134

Re: How to pay $150 IN TAXES ON $150000 Income

The article looks completely accurate to me.

In any case 0.1% is not a particularly low tax rate when you realize that tax rates can be negative.
by 555
Tue Jun 02, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 6143

Re: Heads up on a great CC promotion (Chase Freedom)

This made me wonder if other similar cards would be competing. Sure looks like it. https://www.discover.com/credit-cards/index.html New! Double All Cash Back Your First Year http://www.bankrate.com/financing/credit-cards/discover-offers-double-rewards/ ETA Though to be honest I find these rotating c...
by 555
Tue Jun 02, 2015 2:20 pm
Forum: Personal Consumer Issues
Topic: booking travel to Disney
Replies: 23
Views: 2022

Re: booking travel to Disney

For annual passes you would need to buy them at the park themselves they cannot process a charge greater than $50 for an item outside a pre-booked vacation. I have purchased multiple tickets at the ticket window with multiple gift cards the bummer is Sam's Club or any other retailers typically only...
by 555
Tue Jun 02, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: booking travel to Disney
Replies: 23
Views: 2022

Re: booking travel to Disney

2) Sam's Club offers disney gift cards at about a 5% discount over face value. You can pay with gift cards for your total. I.e. you save 5% on your trip with that approach. The only problem is the gift cards are in $50 denominations so it takes a lot of data entry to pay for your visit and their we...
by 555
Mon Jun 01, 2015 2:54 am
Forum: Investing - Theory, News & General
Topic: What day do Automatic Investments post at Vanguard?
Replies: 14
Views: 1339

Re: What day do Automatic Investments post at Vanguard?

LiveSimple wrote:Closing price of the automatic investing day.

What if you set it to invest on the 15th of every month?
What if you set it to invest on the 31st of every month?
by 555
Fri May 29, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary to inherit TIAA Traditional Annuity, wants to withdraw all.
Replies: 6
Views: 824

Re: Beneficiary to inherit TIAA Traditional Annuity, wants to withdraw all.

Hello, thank you for any help. I'm extremely new to this. I've been named a beneficiary to a few retirement accounts which include TIAA Traditional Annuity I think, I do know there are two TIAA contacts and two CREF certificates. I haven't contacted TIAA CREF yet, nor mailed any forms they sent me....
by 555
Fri May 29, 2015 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 113
Views: 13777

Re: Selling home - unexpected competition

We received a few more offers by noon today, the highest of which was $880K. No contingencies on most of them. We accepted the highest one tonight and signed the contract. I'm hoping this works out and there are no issues along the way. So did your agent get 2.5% of $880k instead of the 4% of $850k...

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