Search found 316 matches

by Calygos
Mon May 22, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

Interesting read! So I plan to call Progressive back on Monday so I can get a full 3-policy bundle quote. If I decide to make the switch, since I just paid auto insurance last month, how would I go about that? Would I get new policies from Progressive and then call Allstate to cancel and hopefully ...
by Calygos
Sun May 21, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit profile question
Replies: 2
Views: 171

Re: Credit profile question

I'm not familiar with all of the new Amex programs, but have you phoned them to ask if they can give you "your" tenure length? A few years ago, I switched to DH's Amex Plat, as a supplemental cardholder. I hadn't had Amex for a few years, myself. When I got the supplemental card for his a...
by Calygos
Sun May 21, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

I just talked with an Amica rep and their quote for bundled auto insurance was $660, even more expensive than Allstate! Did you ask if you get an annual dividend? I didn't ask but I recall reading about it on their web site. I do get an annual safe driver bonus from Allstate, but it's typically onl...
by Calygos
Sun May 21, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit profile question
Replies: 2
Views: 171

Credit profile question

Hey all, So today I found out something annoying. For the past several months I'd been re-evaluating all of my finances. One part of that was looking at my credit cards. At the time I had the following: Capital One Quicksilver: opened March 2016, $25k limit Wells Fargo Visa: opened March 2005, $9k l...
by Calygos
Sun May 21, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

Look at the JD Power rankings to see how your current and proposed carriers score. http://www.jdpower.com/ratings/study/U.S.-Auto-Insurance-Claims-Satisfaction-Study/1601ENG One off, anecdotal accounts aren't a comparable assessment of each organization. As a former adjuster, for the most part, the...
by Calygos
Sun May 21, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

You might want to read other postings here about how some insurers have initially low premiums which then increase sharply over the following years. Yeah, that especially came to mind regarding Progressive, thinking maybe it was a "teaser rate" that would shoot up after the first year. I'...
by Calygos
Sun May 21, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

I just talked with an Amica rep and their quote for bundled auto insurance was $660, even more expensive than Allstate! Did you ask if you get an annual dividend? I didn't ask but I recall reading about it on their web site. I do get an annual safe driver bonus from Allstate, but it's typically onl...
by Calygos
Sat May 20, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

Take a look at Amica, and when you compare prices, take into account that you get a dividend refund once a year. They do not screw over their customers. Was also a 20 year Allstate customer who had never submitted a single claim and the switch to Amica was shocking; I think it was almost 50% cheape...
by Calygos
Sat May 20, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Re: Shocking car insurance quote

Allstate is known for its policy of " price optimization, a technique that penalizes loyal policyholders by charging them higher rates because their insurer believes they are unlikely to shop around for a better price ." I too was a long term Allstate customer jolted by how much more I wa...
by Calygos
Sat May 20, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 34
Views: 3610

Shocking car insurance quote

I've been with Allstate for around 20 years and I have auto, renter's, and personal umbrella policies so I get a number of discounts, all broken out on my policy docs. Currently I'm at high coverages for auto and I just paid $624 last month for 6 months, and last October my renter's was about $150 a...
by Calygos
Mon May 15, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3396

Re: Switch from iPhone to Google Fi and Pixel?

Interesting conversation, I'm glad I asked. I haven't replied as I'm just taking in everyone's experiences and thoughts. That said, I will say that one of my reasons for considering this switch is that I really love Google's ecosystem so the more I can leverage it, the better, but I want to make sur...
by Calygos
Sun May 14, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6373

Re: The recent WannaCry ransomware

The entire phenomenon that computers can be remotely commanded to encrypt their hard drive data files by a key which is stored in the commanding (attacker's) computer or server--is that strictly a Windows problem? It's not just local hard drives that can be affected but network drives as well, and ...
by Calygos
Sat May 13, 2017 10:50 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4065

Re: Best cities for older tech workers?

This is my first response to this thread. I'm in a similar position, living in the Seattle metro area as a 43-year old IT Linux Engineer but it's so crazy expensive around here that I'm not sure whether I should stay. I gross $104k/year and it doesn't feel like I can afford this general area without...
by Calygos
Sat May 13, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 3396

Switch from iPhone to Google Fi and Pixel?

I've had my iPhone 6+ since Dec 3, 2014 and I paid over $900 for it including tax (the < $1/day for it will be near the end of next month). I'm not a Mac guy, per se, I believe in using the right tools for the right jobs, and I do have a ~3.5-year old 15-inch MacBook pro that has served me well. So,...
by Calygos
Sat May 13, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6373

Re: The recent WannaCry ransomware

FWIW, we're a very heavy Windows desktop and server shop at work and our Windows engineers (I'm the one Linux guy) stopped everything yesterday to patch all even improbably at-risk systems against this. It's a big deal.
by Calygos
Thu May 11, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Multiple savings accounts for security and withdrawal limits?
Replies: 6
Views: 404

Re: Multiple savings accounts for security and withdrawal limits?

Simplicity may beat complexity here. I just keep a single checking account where I have auto withdrawal to pay some bills and manual action to pay others. My credit card bills are often my largest ones due to travel expenses. I have discontinued use of savings accounts due to high taxation of inter...
by Calygos
Thu May 11, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Multiple savings accounts for security and withdrawal limits?
Replies: 6
Views: 404

Re: Multiple savings accounts for security and withdrawal limits?

Hi all, I'm finally rolling with both my savings and primary checking at Ally (secondary checking with just enough cash at WF for ATM and branch benefits but no fees). One annoyance is the handful of expenses I have that, for various reasons, are "best" suited to be directly pulled from a...
by Calygos
Thu May 11, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Multiple savings accounts for security and withdrawal limits?
Replies: 6
Views: 404

Re: Multiple savings accounts for security and withdrawal limits?

A detail: If you pay insurance once a year, don't you get a break? Also, I pay insurance in January -- after all my funds pay their December distributions and I have the cash-on-hand. i suppose April and October are fine after the March and September quarterly distributions, but those distributions...
by Calygos
Thu May 11, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Multiple savings accounts for security and withdrawal limits?
Replies: 6
Views: 404

Multiple savings accounts for security and withdrawal limits?

Hi all, I'm finally rolling with both my savings and primary checking at Ally (secondary checking with just enough cash at WF for ATM and branch benefits but no fees). One annoyance is the handful of expenses I have that, for various reasons, are "best" suited to be directly pulled from a ...
by Calygos
Sat May 06, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Best salads
Replies: 46
Views: 3809

Re: Best salads

Pfft, vegetables are what food eats.

Seriously, though, PCC (a healthy grocery store here in the Seattle area) has their marinated kale, cucumber, and seaweed salad that I would eat all day! Just need to simplify the recipe to something a bit more manageable. :D
by Calygos
Sat May 06, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2314
Views: 688255

Re: What Book Are You Currently Reading? Part VI

I just finished A Fine Mess: A Global Quest for a Simpler, Fairer, and More Efficient Tax System . It's actually a very entertaining and enlightening read about just how complicated the USA's tax system is and how it could be simplified and improved (mainly through BBLR and VAT) by looking at other ...
by Calygos
Sat May 06, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1591
Views: 244613

Re: What's Your Credit Card Rewards Strategy?

Card bonuses are not taxable (same as rewards), correct? Correct. I've never received any forms for income. I will say that Wells Fargo has some nice offers as well. We just signed my wife up for a $200 reward for 1k spend. They have 2 more cards with the same offer and another with a 3K spend requ...
by Calygos
Sun Apr 30, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and renting vs. home ownership
Replies: 13
Views: 1142

Re: Retirement and renting vs. home ownership

It doesn't make any sense to buy unless you plan to stay put for at least 5 years. When you think that likely then run the rent vs buy calculator. In the mean time you should be saving one big down payment up for what you are not spending on a house otherwise you are loosing the advantage of not ow...
by Calygos
Sun Apr 30, 2017 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and renting vs. home ownership
Replies: 13
Views: 1142

Re: Retirement and renting vs. home ownership

It doesn't make any sense to buy unless you plan to stay put for at least 5 years. When you think that likely then run the rent vs buy calculator. In the mean time you should be saving one big down payment up for what you are not spending on a house otherwise you are loosing the advantage of not ow...
by Calygos
Sun Apr 30, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and renting vs. home ownership
Replies: 13
Views: 1142

Re: Retirement and renting vs. home ownership

I actually hate renting and would prefer to have a small-ish house, but again the TCO is frightening and I still don't know where I'd want to settle down. On the other hand, the idea of going six figures into debt makes me sick to my stomach. I'm just sick of having loud people (and their pets) in a...
by Calygos
Sun Apr 30, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement and renting vs. home ownership
Replies: 13
Views: 1142

Retirement and renting vs. home ownership

I'm still around 20 years from retirement age but I'm wondering how screwed I'd be, or not(?), if I don't own a house by that time. I've rented my entire life, never really knowing where I wanted to settle down, and even despite that, I'm extremely risk-averse so the total costs of home ownership, e...
by Calygos
Sun Apr 30, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7364

Re: Favorite Financial Indulgences

I'm not FI, but mine is first class flights from SeaTac to Tampa. I rarely fly but I do visit family back in Florida once a year (used to be at Christmas, now in February) and that flight is so much better up front. I've been doing that for five years now, ever since Alaska Air started their non-sto...
by Calygos
Sun Apr 30, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Which High-Yield Online Savings Account Should I Open?
Replies: 50
Views: 4361

Re: Which High-Yield Online Savings Account Should I Open?

spammagnet wrote:
aj76er wrote:... (I think Ally has a limit on the number of transactions per month). ...

6 per month in savings accounts. I may be mistaken, but I believe that's determined by federal regulation? If true, all banks have the same restriction.


Regulation D
by Calygos
Sat Apr 29, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Profit sharing bonus, considering options
Replies: 8
Views: 758

Re: Profit sharing bonus, considering options

For those who recommend putting the money in the investment account since the loan rate is so good, I have a sincere question. Which is the better investment strategy: putting the large lump sum all at once into the account (could that be considered market timing?) or spreading such a large investme...
by Calygos
Fri Apr 28, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Profit sharing bonus, considering options
Replies: 8
Views: 758

Profit sharing bonus, considering options

So at my company we just received profit sharing paychecks, which was a surprise because we thought we weren't getting any profit sharing this year. My net amount is equal to 2.4 times my net bi-weekly paychecks, so several thousand dollars. I'm debating what I want to do with it. Honestly, I find m...
by Calygos
Thu Apr 27, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5614

Re: Vanguard New Lower ER .04%

Your in luck, you can get the Vanguard S&P 500 fund TODAY for only 0.1% Simply switch your admiral share class to the: 500 Index Fund Institutional Select Shares (VFFSX) Start enjoying the benefits of a 0.1% ER TODAY! Sweet! With only a $5B minimum investment, that's only $500,000 per year in f...
by Calygos
Thu Apr 27, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?
Replies: 5
Views: 320

Re: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?

Is there any way to do something a little less strict than a freeze, i.e. requiring you to approve a request rather than outright preventing it without first having to unfreeze? I did read about Fraud Alerts but apparently they're temporary and require an occurrence of identity theft. Not that I'm ...
by Calygos
Thu Apr 27, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5614

Re: Vanguard New Lower ER .04%

Will expense ratios eventually just reach .01%? Your in luck, you can get the Vanguard S&P 500 fund TODAY for only 0.1% Simply switch your admiral share class to the: 500 Index Fund Institutional Select Shares (VFFSX) Start enjoying the benefits of a 0.1% ER TODAY! Sweet! With only a $5B minimu...
by Calygos
Thu Apr 27, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11004

Re: When do you plan to die?

I'm going to live forever. So far, so good. Paging Dr. Aubrey de Grey...

Realistically, I don't plan on it but I expect it in my 80s if I'm lucky. Now I just need to figure out when I plan to live. :(
by Calygos
Thu Apr 27, 2017 10:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5614

Re: Vanguard New Lower ER .04%

Will expense ratios eventually just reach .01%? Your in luck, you can get the Vanguard S&P 500 fund TODAY for only 0.1% Simply switch your admiral share class to the: 500 Index Fund Institutional Select Shares (VFFSX) Start enjoying the benefits of a 0.1% ER TODAY! Sweet! With only a $5B minimu...
by Calygos
Thu Apr 27, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?
Replies: 5
Views: 320

Re: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?

Is there any way to do something a little less strict than a freeze, i.e. requiring you to approve a request rather than outright preventing it without first having to unfreeze? I did read about Fraud Alerts but apparently they're temporary and require an occurrence of identity theft.
by Calygos
Thu Apr 27, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit monitoring: Credit Karma vs. ProtectMyID vs. ?
Replies: 5
Views: 320

Credit monitoring: Credit Karma vs. ProtectMyID vs. ?

I deleted my Credit Karma account months ago (long story, though I'm eligible to reopen it on Monday and considering it) and my ProtectMyID account, for which everyone at my company got for free two years ago due to a thing that happened, expires in 8 days. CK is free and ProtectMyID is 7.95/month o...
by Calygos
Thu Apr 27, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 5614

Re: Vanguard New Lower ER .04%

I just checked on Vanguard and it does reflect the .04 ER though my Google Docs spreadsheet, using the GoogleFinance() function, still shows .05, so I guess it'll take time to fully propagate? FWIW, I also noticed that VBILX (Vanguard Intermediate-Term Bond Index Fund Admiral Shares) also appears to...
by Calygos
Wed Apr 26, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 509

Re: Very minor and possibly silly question about MMF exchange in tIRA

... Ok, so as long as the money is already in the account, it doesn't matter. But to my other point, can I contribute after-tax dollars to my tIRA? Googling leads me to think I can, but I'm not sure how mixing pre-tax and after-tax dollars could affect the account. You can, but depending on your si...
by Calygos
Wed Apr 26, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 509

Re: Very minor and possibly silly question about MMF exchange in tIRA

I guess I'm just not clear on what I can and cannot do with my tIRA given that I've fully contributed to my Roth IRA for the year and I do contribute to the maximum to my 401(k). I'm just paranoid of running afoul of some weird tax rule. What?! This doesn't make any sense. I know it sounds weird, e...
by Calygos
Wed Apr 26, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 509

Re: Very minor and possibly silly question about MMF exchange in tIRA

I guess I'm just not clear on what I can and cannot do with my tIRA given that I've fully contributed to my Roth IRA for the year and I do contribute to the maximum to my 401(k). I'm just paranoid of running afoul of some weird tax rule. What?! This doesn't make any sense. I know it sounds weird, e...
by Calygos
Wed Apr 26, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 509

Re: Very minor and possibly silly question about MMF exchange in tIRA

I guess I'm just not clear on what I can and cannot do with my tIRA given that I've fully contributed to my Roth IRA for the year and I do contribute to the maximum to my 401(k). I'm just paranoid of running afoul of some weird tax rule.
by Calygos
Tue Apr 25, 2017 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 509

Re: Very minor and possibly silly question about MMF exchange in tIRA

I can't contribute to a regular IRA, though, right? Or at least not (EDIT) with post-tax dollars? This account, prior to moving to Vanguard, had only ever been used for previous 401(k) (and one SEP) rollovers from previous companies. Plus, FWIW, I've fully contributed $5500 to my Roth IRA this year.
by Calygos
Tue Apr 25, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Very minor and possibly silly question about MMF exchange in tIRA
Replies: 14
Views: 509

Very minor and possibly silly question about MMF exchange in tIRA

Quick question based on this tIRA snapshot. Is there any reason I shouldn't just exchange the $0.09 in the MMF for VBTLX (since that's the lowest cost fund)? It's been like that for a long time but that account never gets new contributions.
by Calygos
Tue Apr 25, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2673
Views: 730096

Re: What Movie Have You Recently Watched?

Blue Caprice on Netflix. A story of the D.C. Sniper years ago. I lived through the D.C. Sniper so I don't want to see a movie about it. I can not imagine. This really sucked to say the least. I was out running the day it started (I lived in No. VA) and found out from the news when I got home. To st...
by Calygos
Tue Apr 25, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard to WellsTrade
Replies: 6
Views: 470

Re: Vanguard to WellsTrade

I am a fan of Wells Trade but in your case I suggest you stop tweaking stuff for a while. I suggest you do nothing more for a year. Let stuff settle at Wells for checking and Vanguard for your investments. Make sure you have things right. No need to hurry. Then next year maybe make this change if y...
by Calygos
Tue Apr 25, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard to WellsTrade
Replies: 6
Views: 470

Re: Vanguard to WellsTrade

I always liked WellsTrade but when they killed the free trades I said no thanks. I keep seeing mentions of free trades but what exactly does that apply to? Would monthly auto-investments directly from a Wells Fargo checking account be considered a trade? That's about all I do except for periodic re...
by Calygos
Tue Apr 25, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard to WellsTrade
Replies: 6
Views: 470

Vanguard to WellsTrade

Hi all, TL;DR - What should I keep in mind when considering moving some or all of my portfolio from Vanguard to WellsTrade? Rather than piggybacking on my old Consolidating to Wells Fargo thread, I figured I should start a new one, but mods are welcome to merge them if that's most appropriate. So in...
by Calygos
Tue Apr 25, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 70
Views: 8244

Re: Ally Bank - Savings Account Rate Increased!

There are certainly risks either way. I decided to stick with just the Wells Fargo checking, though, because I've been with them for a long time now and never had any problems with fees or account mismanagement, their security has gotten a lot better, and I monitor it through logins and alerts regu...

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