Search found 1096 matches

by Cash
Sun May 14, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 31
Views: 3329

Re: Do I have a problem in the backyard in need of a professional?

ImUrHuckleberry wrote:I didn't know crawdads ever came out of the water.


+1. I thought people trapped them in the water like regular crabs/lobsters. Had no idea they burrowed in people's yards! (and I grew up in the South)
by Cash
Sun May 14, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2243

Re: Replace floor BEFORE or AFTER New Cabinets?

We just renovated a house, and the contractor put the floors in before the cabinets. Seems like the reverse would require a lot more cutting and would also require you to get new floors whenever you replace the cabinets.
by Cash
Sun May 14, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4366

Re: Can you suggest a mortgage lender who does not resell

TD Bank doesn't sell, and they have great construction-to-perm loans (interest only during construction, then converts to a normal fixed-rate mortgage after 12 months). The rate on my construction loan was lower than rates I found on conventional mortgages from other lenders. My only gripe with them...
by Cash
Sun May 07, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Paying a 1% deposit for a mortgage rate lock?
Replies: 2
Views: 423

Re: Paying a 1% deposit for a mortgage rate lock?

They're charging you a fee plus a deposit on top of a higher interest rate to lock for 5 months? Seems like a ripoff. If TD Bank lends in your state, I would suggest checking them out. We obtained a jumbo construction loan from them in which we locked in the rate free for 60 days (or 90, I forget) a...
by Cash
Thu May 04, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: CapOne Venture - no travel notification needed
Replies: 4
Views: 545

Re: CapOne Venture - no travel notification needed

However, one may get a query from CapOne whether those advanced charges are legit. I just got a query on Monday for a Canadian charge I made. Right. We have upcoming international travel, and I had to call CapOne after the hotel's deposit charge was rejected. They added a note to allow the charge a...
by Cash
Sat Apr 29, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Checking Account - Fidelity CMA vs. Schwab?
Replies: 31
Views: 1932

Re: Joint Checking Account - Fidelity CMA vs. Schwab?

... We also have separate logins, but my wife's is a result of having an IRA with Fidelity (her login can see her IRA and our Joint accounts, while mine can only see the Joint accounts). ... If it adds convenience, she can grant read-only authority to you, which makes her IRA visible to your login....
by Cash
Thu Apr 13, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

You should be able to get the money back? Right? Was this a different bank than yours where the check was cashed? Oh yes. Alliant credited it back once I called them. The bank that cashed it (different from my bank) placed a seven-day hold on the check, and I caught it within that period, so I don'...
by Cash
Thu Apr 13, 2017 5:23 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

Brief update: I think I've identified the source of the problem--a canceled check. Once I gained access to the new account, I saw that a check had posted for about $2k. We hardly ever write checks, so I viewed the image. Fake. But interestingly, the fake check spelled our names in a way that we use ...
by Cash
Mon Mar 27, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

do not have any form of overdraft protection or any linked savings accounts or any form of accounts to your checking account that you use to pay bills. what if the fraudster targets the savings account? how do you protect the savings account? thank you I've thought about this as well. I've establis...
by Cash
Sun Mar 26, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

When this type of thing happens with credit cards, I often get some sort of case closed letter. I assume I will get the same from the credit union and follow up at that time. I'll report back!
by Cash
Sat Mar 25, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

It was suggested that the solution to the problem of the cyber crime perpetrated on the OP was as simple as to "never use a debit card - Period." That is not the solution True, because I haven't used a debit card (other than for ATM withdrawals) in at least 15 years. Cash, it is true that...
by Cash
Sat Mar 25, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

rralex1 wrote:It was suggested that the solution to the problem of the cyber crime perpetrated on the OP was as simple as to "never use a debit card - Period." That is not the solution


True, because I haven't used a debit card (other than for ATM withdrawals) in at least 15 years.
by Cash
Fri Mar 24, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

Uh-oh...another USAA.com transfer in the amount of $20.16 posted today. I think this checking account officially closes tonight, but I just transferred my money to a different account...
by Cash
Fri Mar 24, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

-It was nice to hear that at least ONE person here understands that there are consumer protections for consumer. Many of us understand this. I think many of us are mainly discussing ways to minimize the hassle--at least that's what I'm thinking about. I'd rather be out $5K or $10K for a few days th...
by Cash
Fri Mar 24, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

Re: So someone drained $13k from my checking account...

Thanks for the suggestions so far. To answer a recurring question: Yes, we were allowing the utilities and CC companies to pull from the account. So I think we're going to change to bill pay. I need to see if those bill pay checks have our account info on them. I'm not worried about my online accoun...
by Cash
Thu Mar 23, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15728

So someone drained $13k from my checking account...

I got an alert this morning from Alliant Credit Union that my checking account was below $200 (a long time ago, I set that as my alert threshold for some reason). So I quickly looked on my phone and saw that the balance was...$0.00. I logged on and saw that two ACH transfers from usaa.com in the amo...
by Cash
Thu Mar 23, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18843

Re: gratuitous homeownership items

Quartz may be more trendy right now but it's also 2x the price of the granite we went with. That would've been gratuitous to us. Quartz is becoming much less expensive. According to the quartz supplier we just bought from, the Chinese are in the process of breaking the Caesarstone/Cambria duopoly a...
by Cash
Sun Mar 19, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 18843

Re: gratuitous homeownership items

We don't squeegee the glass door because that's what the maids do. The repeated mentioning of glass shower doors confuses me. We have had glass shower doors in all of our bathrooms for the past 8 years (2 condos and now a house). We have never squeegeed anything. The cleaners clean them when they c...
by Cash
Sun Mar 19, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: Buying a Storage Unit with Condo...?
Replies: 23
Views: 1664

Re: Buying a Storage Unit with Condo...?

You probably need to read the fine print of the contract very carefully. It seems very likely that in order to own the storage unit, you may also have to be a resident/owner of a condo in the complex, and thus must sell it if you sell the condo. Among other reasons, you would no longer be paying th...
by Cash
Sat Mar 18, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: 250k Student Loan Payment Schedule
Replies: 64
Views: 8648

Re: 250k Student Loan Payment Schedule

Nice to see an update. Good job with what you have done so far. Do you plan to stay in NYC indefinitely? Paying off the student loans would allow you to have much more flexibility to take a lower-paying job in a lower cost-of-living location without sacrificing quality of life. Also, you need to be ...
by Cash
Sun Mar 12, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Putting Savings in Perspective
Replies: 54
Views: 4369

Re: Putting Savings in Perspective

BrandonBogle wrote:(b) my quality of life has suffered from excessive saving


lol don't you drive a Tesla?
by Cash
Sat Mar 11, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 37
Views: 3698

Re: Traveling to Japan

We found the pocket wifi to be indispensible during our weeklong trip a few months ago, especially on the trains. One of our traveling companions got it at the airport, so I don't know which network it was. Much better than trying to figure out a myriad of free wifi networks. Also agreed on the JR P...
by Cash
Sat Mar 04, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: By how much to 9 foot ceiling add to house price?
Replies: 15
Views: 2360

Re: By how much to 9 foot ceiling add to house price?

8 feet is too low these days. We bought a house with 8-foot ceilings with the intention of extensively renovating it (the seller's realtor said many people were turned off by the low ceilings). It now has 9+ foot ceilings everywhere we could raise them, and we vaulted the remainder. It now feels muc...
by Cash
Thu Mar 02, 2017 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Insurance on a diamond engagement ring
Replies: 27
Views: 2172

Re: Insurance on a diamond engagement ring

+1 for Jeweler's Mutual for a policy that will pay you the appraised value. I used to have such a policy with Chubb, but they don't insure in my current state.
by Cash
Thu Mar 02, 2017 6:19 am
Forum: Personal Finance (Not Investing)
Topic: RSU + Autosale for taxes
Replies: 17
Views: 1250

Re: RSU + Autosale for taxes

TomatoTomahto wrote:The 1099B should be informational and not entered into TT.


Is that correct? Shouldn't it still be entered to calculate any capital gains/loss?
by Cash
Wed Mar 01, 2017 8:30 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 49
Views: 3398

Re: Do you clear your inbox?

For personal e-mail, I delete junk but keep everything else. Gmail has a useful feature that allows you to keep your unread e-mails at the top. So I keep certain e-mails unread (reminders, upcoming travel, etc.) until I no longer need them, then they fall into the regular inbox, where I can search f...
by Cash
Mon Feb 20, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 40
Views: 7502

Re: Tracking progress to $1M portfolio and no mortgage by 40

I would probably just refinance the mortgage to a lower rate and let it ride while saving the mortgage-payoff money in taxable. But I understand the psychological benefit of not having a mortgage.
by Cash
Sun Feb 19, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7579

Re: What Do You Keep In Your Bank Safe Deposit Box?

CaliJim wrote:Vacheron Constantine
Lange Zeitwerk
Audemars Piguet


Nice
by Cash
Sat Feb 18, 2017 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7579

Re: What Do You Keep In Your Bank Safe Deposit Box?

What I do know is that when you come home and someone has a gun to your wife's head (or child's) you are going to open the safe (if you have one). True. I don't have a home safe either. Aside from maybe a few hundred dollars, I keep my cash at FDIC-insured institutions. Our most valuable piece of j...
by Cash
Sat Feb 18, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 66
Views: 7579

Re: What Do You Keep In Your Bank Safe Deposit Box?

I don't have one. We have insurance for jewelry. I can easily obtain another copy of everything else that people have mentioned in this thread (except maybe paper bonds, but I don't have those and see no reason to ever acquire any).
by Cash
Sat Feb 18, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Progress Made - What Now? (Pay off cheap mtg or invest)
Replies: 31
Views: 3376

Re: Progress Made - What Now? (Pay off cheap mtg or invest)

This is really just another twist on the "invest v. pay down mortgage" question with the complication that you have several small mortgages on rental properties in addition to the mortgage on your home. I like the idea of paying off the 5.125% mortgage. That car loan also doesn't get you v...
by Cash
Tue Feb 14, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Best site to check current mortgage rates
Replies: 3
Views: 659

Re: Best site to check current mortgage rates

I find mortgagenewsdaily.com to be useful for checking the latest trends and averages in mortgage rates.
by Cash
Tue Feb 14, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 144
Views: 13827

Re: Case study Broker trade executions

I think the exchange and/or broker would "bust" such trades, so it is not something to worry about. More likely is that one can buy for up to 2% to 5% higher and sell for 2% to 5% lower than a non-naive investor. And that's only for large orders of low-volume issues. But what guarantee is...
by Cash
Sun Feb 12, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 144
Views: 13827

Re: Case study Broker trade executions

I thought the problem with a market order is that you could end up selling for $0.01 per share or buying for $1,000,000 per share. I think the exchange and/or broker would "bust" such trades, so it is not something to worry about. More likely is that one can buy for up to 2% to 5% higher ...
by Cash
Sun Feb 12, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 121
Views: 15192

Re: The Wall Street Journal to close Google loophole entirely

mr_breen, If you make that link a "bookmark" in your browser, then when you go to a WSJ that is restricted you can click on the bookmark which will reload the page as if you came from Facebook. It's really no different in kind than going to the WSJ's facebook page or searching for it on f...
by Cash
Sat Feb 11, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22732

Re: Wow, Vanguard Flagship service is bad. Really bad.

I recently moved our assets to Fidelity because the Vanguard reps could not tell me how to transfer book shares of my wife's company from the transfer agent to Vanguard. I did it online at Fidelity in a few simple steps. I also just find the overall experience to be better at Fidelity. As TFB says, ...
by Cash
Sat Feb 11, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 66
Views: 12003

Re: Medallion Signature Guarantee

Since I started this thread over 3 years ago, I have made a point not to place assets in any financial institution that requires an MSG to transfer them. If an institution requires an MSG, it probably also has other cumbersome practices likely to annoy me at some point (like faxing in things). So fa...
by Cash
Sat Feb 11, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5100

Re: Keep a Local Bank?

I do all of my banking online, but my mortgage has always been held by a bank with local branches (Wells Fargo, US Bank, TD Bank), and I have always received some sort of discount for opening a checking account with that bank, so we do have that if I need a physical branch at some point. That did co...
by Cash
Thu Feb 02, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 3326

Re: Review after one month with Fidelity Cash Management

madbrain wrote:
Yes, that is correct. Also not possible to get a money order. One of the biggest limitations with the account, to be sure. This is common to pretty much any online bank account.


Can't you have them send you a bank check? I thought I recalled that option.
by Cash
Thu Feb 02, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 3326

Re: Review after one month with Fidelity Cash Management

whodidntante wrote:You can buy mutual funds, etc., with deposited money within a few minutes for ACH, or the next day for a deposited check. This might matter if you are depositing a large amount and prefer to park it in a money market fund.


So you can buy mutual funds immediately, just not withdraw the money?
by Cash
Thu Feb 02, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 33
Views: 3326

Re: Review after one month with Fidelity Cash Management

Fidelity allows me to deposit a check as large as $100K in some of my accounts (although I never pushed it that high). Good to know. Fidelity limits me to $25k but maybe that's because I don't keep much there. Alliant allows $50k by mobile deposit, but $100k would be great (I recently received a ch...
by Cash
Sun Jan 22, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 3040

Re: Do you check your credit reports annually?

I check mine monthly for free with Credit Karma. It pulls from two bureaus (Transunion and Equifax, I think). I also get them from the many credit cards and banks (e.g., Capital One, Alliant Credit Union, Barclays) that provide free credit reports and scores.
by Cash
Sun Jan 22, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Selling diamond engagement ring
Replies: 40
Views: 4895

Re: Selling diamond engagement ring

50% sounds about right. Next time, buy from a place (like whiteflash.com) that allows you to apply the full purchase price toward a "trade in" for a bigger stone.
by Cash
Sat Jan 21, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: ok to pull plug and retire?
Replies: 52
Views: 7884

Re: ok to pull plug and retire?

livesoft wrote:You are preparing for 60 years of retirement, so read this series to give you some more confidence:
https://earlyretirementnow.com/2016/12/ ... t-1-intro/


Excellent series of posts. Thanks for the link.
by Cash
Thu Jan 19, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Home renovation funding
Replies: 51
Views: 5507

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: 1841

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: 1841

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: 759

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: 759

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.

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