Search found 1051 matches

by Cash
Thu Jan 19, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5056

Re: Home renovation funding

Any before and after pics?
by Cash
Mon Jan 16, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1542

Re: Nespresso Inissia Espresso Maker? (or similar)

Riverstwo wrote:both are bad for the environment because of the capsules


At least Nespresso provides free bags to ship back spent capsules for recycling. I usually collect a month's worth or so and then drop off the bag at UPS. I think USPS is also an option if that's more convenient for you.
by Cash
Sun Jan 15, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1542

Re: Nespresso Inissia Espresso Maker? (or similar)

Cruise wrote:Long-time Nespresso user here, after formerly having several traditional machines. Very convenient and good quality. Not the cheapest, but way less expensive than running to Starbucks.


+1. However, I have no idea how one would make a honey cardamom latte with one.
by Cash
Sun Jan 15, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Which brokerage to sell stock awards?
Replies: 12
Views: 595

Re: Which brokerage to sell stock awards?

Last year, I tried to transfer vested book shares from the transfer agent for my spouse's company to Vanguard to sell. The Vanguard rep had no idea how to do this. Fidelity allowed me to easily do it online. So I recommend Fidelity. Thanks for the info. It is strange, though. The Vanguard website i...
by Cash
Sat Jan 14, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Which brokerage to sell stock awards?
Replies: 12
Views: 595

Re: Which brokerage to sell stock awards?

Last year, I tried to transfer vested book shares from the transfer agent for my spouse's company to Vanguard to sell. The Vanguard rep had no idea how to do this. Fidelity allowed me to easily do it online. So I recommend Fidelity.
by Cash
Sat Jan 14, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5056

Re: Home renovation funding

I just ran into this thread when looking for another, and thought I should close the loop now that my project is done. Bottom line: project completed slightly ahead of budget, slightly but not consequentially behind schedule. Market held up to expectations (maybe a bit better). Project took more of...
by Cash
Sat Jan 14, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity [Customer Service Reputation]
Replies: 62
Views: 3910

Re: Vanguard vs. Fidelity

We recently moved our accounts from Vanguard to Fidelity. We already had the excellent cash management account because of the 2% card, and Fidelity knew how to handle the transfer of some of my wife's RSUs (online!), and the Vanguard rep did not. At that point, I didn't really see a point in staying...
by Cash
Mon Jan 09, 2017 6:00 am
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 17
Views: 1381

Re: FL prepaid plan(4-Year Florida University Plan)

I'm a FL resident and used the Utah 529 plan and have been happy. They have a number of Vanguard choices. What happens to the prepaid plan if you don't choose a Florida school? I believe you get the money back with a set amount of interest, which is why most people recommended it when I searched fo...
by Cash
Mon Jan 09, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Can you negotiate trading fees with Fidelity?
Replies: 16
Views: 1559

Re: Can you negotiate trading fees with Fidelity?

Trades are $7.95 for anything not free like most of the Ishares issues (which are fine). That seems cheap enough to me. (I can remember $50-$100 commissions per trade from "discount" brokers.) That's for stocks. It would cost $50 to trade VG mutual funds: https://www.fidelity.com/trading/...
by Cash
Thu Jan 05, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 4394

Re: Mortgage recast strategy - Feedback needed

Sorry for late response. Jimb, to answer your question, the minimum required payment for WF to recast your mortgage is $20,000. I called WF again to double check with them to see if it has to be a single payment or can be split as several payments. They confirmed that need NOT be a single payment a...
by Cash
Sat Dec 31, 2016 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 4394

Re: Mortgage recast strategy - Feedback needed

Would saving $100k over the next 5 years and keeping it available give you more flexibility and cash flow when the contract is up? Maybe... I think this is the question. Seems like the best strategy would be to save up the $100k in bonds and then decide where to allocate it once the contract is up....
by Cash
Fri Dec 30, 2016 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 188
Views: 29474

Re: Bank of America/Merrill Edge - Preferred Rewards

Has anyone done a backdoor Roth with Merrill Edge? Is it easy to do online? One of my frustrations with my old Wells PMA account was faxing in the Roth conversion forms every year... I'd also be interested in how they do conversions and recharacterizations. It looks like it might be harder than at ...
by Cash
Thu Dec 29, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: credit card fraud
Replies: 49
Views: 5759

Re: credit card fraud

Fraudsters purchase numbers by the hundreds or thousands on the internet and just try each one to see which ones work. They can get equipment to reencode gift cards and such with the fraudulent numbers on Amazon or eBay. It's all surprisingly easy.
by Cash
Thu Dec 29, 2016 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: large purchase [engagement ring]
Replies: 72
Views: 5066

Re: large purchase [engagement ring]

^ Precisely
by Cash
Tue Dec 27, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: large purchase [engagement ring]
Replies: 72
Views: 5066

Re: large purchase

I'm not suggesting someone goes and gets a rock that has a giant black splotch in the center of the stone to save some bucks, but there are extremely nice SI2 stones that, to the naked eye, look no different that VVS1 stones. An E or F color stone might look "whiter" than a I or J stone, ...
by Cash
Tue Dec 27, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: large purchase [engagement ring]
Replies: 72
Views: 5066

Re: large purchase

One thing I would suggest (something I now regret) is not to get too focused on 'specs". Lots of diamonds look the same but costs vary wildly based on the 4Cs. A lot of that is jewelry mumbo jumbo and is hard to discern in regular day to day settings. I found I was more concerned about it than...
by Cash
Tue Dec 27, 2016 6:48 am
Forum: Personal Finance (Not Investing)
Topic: large purchase [engagement ring]
Replies: 72
Views: 5066

Re: large purchase

Look into depositing a balance transfer check into your checking account instead if you can negotiate a cash discount that is more than the balance transfer fee.

Do lots of reading at pricescope.com re diamonds. Don't buy from Tiffany or Cartier.
by Cash
Sun Dec 25, 2016 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you check your index price?
Replies: 8
Views: 766

Re: Where do you check your index price?

Yes, I manually update the shares every so often. You could use something like mint.com to automatically pull accurate account values, including updated shares. I think Vanguard has a similar feature if you want to see non-Vanguard accounts through your Vanguard login (so does Fidelity). But I prefe...
by Cash
Sun Dec 25, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you check your index price?
Replies: 8
Views: 766

Re: Where do you check your index price?

Easy to do with Google Sheets:

viewtopic.php?t=95938
by Cash
Fri Dec 23, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: fidelity brokeragelink vs IRA And backdoor Roth IRA
Replies: 17
Views: 978

Re: fidelity brokeragelink vs IRA And backdoor Roth IRA

I agree that the Fidelity BrokerageLink is a great option. I use it in my wife's 401(k) from a previous employer.
by Cash
Fri Dec 23, 2016 4:54 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 2513

Re: Cappuccino/Espresso machine recommendations?

I also have a Nespresso Inissia that I keep at the office. Love it. My wife and I have said that one of our next purchases for the house will be one of the fancier ones with the integrated frother. You can obviously do better if you feel like spending the time/energy to roast, grind, etc. your own c...
by Cash
Thu Dec 22, 2016 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2648

Re: Looking to Drop Wells Fargo for Online Banking

Huge fan of Fidelity, having been there 30+ years ..... all online, have never set foot in an office (yes, even back starting in 1982, have never been to an office)..... our accounts there include our "spending account" which includes check writing (rare) and online bill pay from all acco...
by Cash
Wed Dec 21, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Looking to Drop Wells Fargo for Online Banking
Replies: 48
Views: 2648

Re: Looking to Drop Wells Fargo for Online Banking

As far as I know all banks want to charge you fees. So learn to find a WF ATM and only use those. I did that back in 1970. We called them Ugly Tellers. I don't think going to a Ally internet bank will fix this ATM fee problem. That's incorrect. Ally reimburses ATM fees. So does Alliant Credit Union...
by Cash
Sat Dec 10, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 188
Views: 29474

Re: Bank of America/Merrill Edge - Preferred Rewards

Has anyone done a backdoor Roth with Merrill Edge? Is it easy to do online? One of my frustrations with my old Wells PMA account was faxing in the Roth conversion forms every year...
by Cash
Sun Nov 20, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking Recommendations
Replies: 18
Views: 1823

Re: Online Banking Recommendations

Alliant is excellent. Next-day ACH transfers, free ATM transactions within their broad network and ATM fee reimbursements for out-of-network ATMs, leading interest rates, great mobile check deposit (up to $50k, which is more than any other bank I've seen). No complaints, really.
by Cash
Sat Nov 19, 2016 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 1974

Re: Anyone trade with their Fidelity Cash Management Account?

I've tried asking various representatives why one shouldn't use CMA as a long-term investment brokerage account, and none really had good reasons. Have you continued to use your CMA as a long-term brokerage account? I recently wanted to transfer some book shares of my wife's company from the transf...
by Cash
Sat Nov 19, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Finding a good architect & how to design a house with a budget in mind
Replies: 8
Views: 1048

Re: Finding a good architect & how to design a house with a budget in mind

I am in the middle of a renovation. We laugh at the original "budget" from a very well respected contractor and architect. If you want to stay on budget, sell your current house and buy another completed house that has everything you want within your budget.
by Cash
Sun Nov 13, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: why not DRIP?
Replies: 4
Views: 698

Re: why not DRIP?

You also have to worry about wash sales.
by Cash
Sat Nov 12, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Experience selling car to Carmax?
Replies: 42
Views: 5188

Re: Experience selling car to Carmax?

I sold my 2001 Lexus to them last year. I probably got a bit less than I would have in a private sale, but the process couldn't have been easier.
by Cash
Sat Nov 12, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Buying an Audi A4
Replies: 73
Views: 5531

Re: Buying an Audi A4

I have a 2013 A6 3.0T that I bought last year at Carmax for about half the original list price (13k miles). No issues thus far, and I love the car. Now my wife's 2011 BMW... :moneybag :moneybag.
by Cash
Sun Oct 23, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Buying house. Best mortgage option?
Replies: 22
Views: 2551

Re: Buying house. Best mortgage option?

Rates are higher because it's a jumbo construction loan. I could refinance in a year when building is complete, but interest rates will probably go up in the interim. I got a 30-year jumbo construction-to-perm loan from TD Bank at 3.37% a few months ago. You might see if they offer loans in your ar...
by Cash
Sun Oct 23, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 49
Views: 8248

Re: Vanguard Total World Stock Index Fund Review

I've been a proponent of VT for years and have held it as my primary equity holding for most of the reasons stated here. My typical response to the three negatives people often repeat: I don't have home-country bias, it's diversified enough, and the expense ratio continues to go down.
by Cash
Fri Oct 07, 2016 1:48 pm
Forum: Personal Consumer Issues
Topic: Hurricane Matthew: Evacuation advice
Replies: 40
Views: 4314

Re: Hurricane Matthew: Evacuation advice

I'd think of moving out of FL after this is over. I'm not sure insurers will stick around and if so premiums will become exorbitant. It's so hot there. Move to New Jersey. Tomorrow the estate tax will be history and we have 4 seasons, have many professional and college sports teams, museums, etc a ...
by Cash
Sun Sep 25, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 61
Views: 5831

Re: Loan on $1.3MM Fixer-upper

Where are you located, and which bank is offering the loan? The construction to pwrm quote I received was 4.5%. Can you give estimate of how much cabinetry costs on a linear foot? How long is the estimated time for the total reno? Also, how old is the home you're renovating? We got the loan through...
by Cash
Sun Sep 25, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Loan on $1.3MM Fixer-upper
Replies: 61
Views: 5831

Re: Loan on $1.3MM Fixer-upper

However, there is a ton of work to be done on the house. Got a rough estimate for $275k plus whatever hidden stuff that will pop up. Let's see how this pans out. We are in a similar situation, but a few months ahead of you. We got a 30-year construction-to-perm loan for 3.375%. Now we are in the mi...
by Cash
Mon Sep 12, 2016 7:15 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 1932

Re: Traveling to Italy and renting a vehicle -- auto insurance?

(Montepulciano, outside Florence ... presumably country driving) Yes, although small towns like that have narrow streets, so watch out. Also look out for the speed cameras on the major highways. It's not just about how fast you're going at the time you pass in front of them, but how fast you're goi...
by Cash
Sat Sep 10, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 4357

Re: map frustration

But you'd have little patience with people who were baffled about how to get things done because they simply didn't want the bother or expense of a credit card, telephone, or bank account. Exactly. At some point, you just have to realize that your refusal to go along with the rest of society puts y...
by Cash
Sat Sep 10, 2016 7:26 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 1932

Re: Traveling to Italy and renting a vehicle -- auto insurance?

We rented from Avis last year, and insurance was included.
by Cash
Sat Sep 10, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: Hailing runners and tech Bogleheads re:Apple watch 2
Replies: 27
Views: 2042

Re: Hailing runners and tech Bogleheads re:Apple watch 2

Apple Watch was a non-starter for runners when it didn't have GPS. I don't carry a phone while running, and I don't intend to anytime soon, so the lack of GPS on the first version made it worthless. Adding GPS and making it look more like a running watch, plus allowing me to stream music/podcasts t...
by Cash
Mon Sep 05, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: [Dealing with neighbors with dogs]
Replies: 45
Views: 2793

Re: [Dealing with neighbors with dogs]

Are there no other dogs in your neighborhood? There are countless in mine. I have neither the time nor inclination to police where all of them relieve themselves, even in my yard. That said, if you see that the owner is not picking up after the dog, that's another thing entirely. I would talk to the...
by Cash
Wed Aug 31, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 20103

Re: Blue Apron

ArmchairArchitect wrote:Unless BlueApron is providing salmon and steaks...


Lol it does... Every week is beef/pork, fish, and chicken. We had the soba noodle dish with salmon last night. Steaks are pretty common.
by Cash
Wed Aug 31, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 155
Views: 20103

Re: Blue Apron

JamesSFO wrote:Aside this month's Consumer Reports rated a number of these services, Blue Apron was lowest ranked and Hello Fresh was highest ranked.


On what bases did they rank?
by Cash
Sun Aug 21, 2016 4:05 pm
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 75
Views: 12089

Re: AT&T Mobile Users: Check your plans

The new plans are available now. I just switched and am saving $10 month for the same plan.

NB: When you switch, you will lose accumulated rollover data. I am going to be traveling this month, so I set my switch to occur at the beginning of my next billing cycle.
by Cash
Wed Aug 17, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 75
Views: 12089

Re: AT&T Mobile Users: Check your plans

Another data plan value increase that you will have to affirmatively select. A while back, AT&T changed their plans to eliminate the 3GB option, so I stuck with the old plan. Looks like that option is now back for the same price, and following T-Mobile's lead, they will stop charging for data ov...
by Cash
Sun Jul 31, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Putting Money down on a house.
Replies: 9
Views: 1489

Re: Putting Money down on a house.

3.625 sounds a bit high for 20% down. Did you shop around?
by Cash
Sun Jul 31, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2279

Re: Looking to take first international trip

I agree with the London-Paris combination (I've never taken Eurostar because flights have been cheaper each time I've looked). Both are great cities, and it will be a good way to ease you into being in a country where English is not the primary language spoken. I take tigermilk's point, but sometime...
by Cash
Sun Jun 19, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 130
Views: 9458

Re: IWC Watch, any thoughts?

Pretty IWC is a very legitimate company and you have chosen a classic How much you want to spend is related to what brings you joy and how much joy per marginal dollar Just make sure it is not a fake in the grey market +1. The Portuguese is a classic that I once considered purchasing as well (got a...
by Cash
Tue Jun 14, 2016 7:48 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 40722

Re: [Fidelity drops AmEx, Bank of America credit cards]

Got my new card (without calling or anything) yesterday. I hope it's more reliable than the fraud-trigger-happy FIA Amex.
by Cash
Sun May 01, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 8870

Re: So, are Bogleheads Bourbon or Scotch drinkers?

FoolStreet wrote: I am looking for some bourbon made in Utah to take to a Holiday dinner. I'm looking and looking and not sure what to get.


I think the clear answer to that problem is High West. I prefer the Bourye (though somewhat pricey at $90/bottle).

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