Search found 332 matches

by Calygos
Wed Jul 26, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 8631

Re: Should you wait until the due date to pay credit card balance?

I typically pay the full balance on mine around a 3-5 days before the cycle ends and I get the statement email. By that time, there's a little balance on the card and then I pay that in full, too.
by Calygos
Wed Jul 19, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Those Of You In a HCOLA - What's Your Financial Plan
Replies: 68
Views: 7346

Re: Those Of You In a HCOLA - What's Your Financial Plan

I'm on the east side of the lake from Seattle and even being single with a low six-figure salary, there's no way I could afford anything decent within an hour's commute of my job in Bellevue, and to hell with that 405 traffic. Even rent in this area is stupid. I really like my job, though if I could...
by Calygos
Wed Jul 12, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 84
Views: 12802

Re: Ally Bank - Savings Account Rate Increased!

There's no interest rate war. Banks are holding deposit rates as low as possible, and depositors don't seem to mind. A 0.05 point increase here and there by a few banks is absolutely meaningless in the grand scheme. And if you have stock in banks, better hope that deposit rates stay this low. A 5bp...
by Calygos
Mon Jun 12, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard believes in active managment
Replies: 19
Views: 1819

Re: Vanguard believes in active managment

One third of global AUM is in so-called "active." Vanguard does many things well (including keeping costs down in "active"). BH, as we know, is a discussion group. VG is a company. Big difference IMHO. Lev And another difference between the active managers in other companies is that they are not on...
by Calygos
Mon Jun 12, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard believes in active managment
Replies: 19
Views: 1819

Re: Vanguard believes in active managment

mhalley wrote:If Vanguard did not believe in active management, why would they have actively managed funds?
To attract and maintain customers who like Vanguard for whatever reasons yet still don't want to manage their investments themselves.
by Calygos
Mon Jun 12, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard believes in active managment
Replies: 19
Views: 1819

Vanguard believes in active managment

I just noticed this infographic on Vanguard's site from a few days ago. At the end, their "takeaway" is "Skilled managers, patience, and low costs can increase the odds of superior performance. Vanguard has all three." Obviously, "can" is a hedge word and they don't really note how much each of thos...
by Calygos
Thu Jun 08, 2017 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have the Ally CashBack credit card?
Replies: 3
Views: 537

Re: Does anyone have the Ally CashBack credit card?

Cool, thank you very much for the feedback.
by Calygos
Thu Jun 08, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have the Ally CashBack credit card?
Replies: 3
Views: 537

Does anyone have the Ally CashBack credit card?

It looks like the Ally card is through TD Bank, so I'm guessing it's not managed through the Ally web site? I was thinking of getting it to use in conjunction with my Quicksilver but only if it's visible and manageable through the Ally interface so I could see everything in one place.
by Calygos
Wed Jun 07, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3606

Re: How often do you redeem your credit card cash rewards?

I have Capital One mail my Quicksilver cash back check in January, which I then deposit and send off to Vanguard.
by Calygos
Tue Jun 06, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Changing Roth IRA from bonds to stocks
Replies: 9
Views: 825

Re: Changing Roth IRA from bonds to stocks

I wasn't planning on touching the taxable account again (though that is how I funded the $11k in the first place earlier this year). For any change to the Roth IRA's holdings I was just going to do an exchange within the Roth. As long as you won't be selling in the taxable account, you are good to ...
by Calygos
Mon Jun 05, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Changing Roth IRA from bonds to stocks
Replies: 9
Views: 825

Re: Changing Roth IRA from bonds to stocks

If you do tax loss harvesting in your taxable account, you may want to watch out for wash sales when you have the same fund in taxable and tax-advantaged accounts. I don't TLH at all, so that's not a concern. OK. Just be aware that if you sell a fund for a loss in taxable and buy replacement shares...
by Calygos
Mon Jun 05, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Changing Roth IRA from bonds to stocks
Replies: 9
Views: 825

Re: Changing Roth IRA from bonds to stocks

I'm strongly considering changing my Roth IRA from bonds to stocks. The IRA is a little over $11k, or about 2% of my total portfolio, so it has little effect on my overall AA, this change would be more about increasing the returns given my age and current rates. . . If it will have little effect on...
by Calygos
Mon Jun 05, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Changing Roth IRA from bonds to stocks
Replies: 9
Views: 825

Re: Changing Roth IRA from bonds to stocks

rkhusky wrote:If you do tax loss harvesting in your taxable account, you may want to watch out for wash sales when you have the same fund in taxable and tax-advantaged accounts.
I don't TLH at all, so that's not a concern.
by Calygos
Mon Jun 05, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Changing Roth IRA from bonds to stocks
Replies: 9
Views: 825

Changing Roth IRA from bonds to stocks

I'm strongly considering changing my Roth IRA from bonds to stocks. The IRA is a little over $11k, or about 2% of my total portfolio, so it has little effect on my overall AA, this change would be more about increasing the returns given my age and current rates. So, should I just use VTSAX since tha...
by Calygos
Wed May 24, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 5460

Re: Shocking car insurance quote

Anyone have experience going through PolicyGenius?
by Calygos
Tue May 23, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Can you do advanced search on Amazon.com (multiple search parameters and price limits)?
Replies: 3
Views: 603

Re: Can you do advanced search on Amazon.com (multiple search parameters and price limits)?

Generally on the left-hand side navigation bar there's a "Refine by" section (probably need to scroll down a bit to see it) with all sorts of selectors like price, ratings, etc.
by Calygos
Mon May 22, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 5460

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: 298

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 account, my...
by Calygos
Sun May 21, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 5460

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: 298

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: 39
Views: 5460

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: 39
Views: 5460

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'll poke ar...
by Calygos
Sun May 21, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 5460

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: 39
Views: 5460

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: 39
Views: 5460

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 was paying t...
by Calygos
Sat May 20, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 5460

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: 4362

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: 7667

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: 5033

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: 4362

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: 7667

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: 582

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: 582

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: 582

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: 582

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: 4552

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: 2621
Views: 836598

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: 2270
Views: 395241

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: 1424

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: 1424

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: 1424

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: 1424

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: 8422

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: 72
Views: 9527

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: 916

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: 916

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: 6273

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: 491

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: 6273

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...