Search found 44 matches

by investor4life
Sat Jul 15, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: AMEX Personal Savings has finally stepped up its game
Replies: 2
Views: 904

AMEX Personal Savings has finally stepped up its game

AMEX Personal Savings took its time but has now upped its savings rate to 1.15%, matching Ally.
by investor4life
Sun Jul 09, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Audi Extended Warranty
Replies: 1
Views: 329

Audi Extended Warranty

A few years ago, I bought an extended warranty (EW) online for my Toyota from an out-of-state dealer and saved about 40% over what my local dealer wanted. This time around I'm hoping to do the same with Audi. Any recommendations of Audi dealers anywhere in the country from whom you've gotten a good ...
by investor4life
Wed Jun 28, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 3882

Re: Stupid Security Questions

Random, nonsensical answers are great except when you don't have the option. Case in point: United Airlines, which makes you pick the answer to each question from a fixed menu of options. Favorite music? Rock, Jazz, Easy Listening, Country, etc.
by investor4life
Tue Jun 13, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 2657

Re: Watch Batteries

When we bought DW's watch (a battery-operated Citizen) in 2004 at a mall jewelry store, we got a lifetime battery replacement plan for a small upfront payment of $12.95. It's paid off for itself many times over. Just replaced the battery for the sixth time last week. In fact, the original seller was...
by investor4life
Mon Jun 05, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to TD Ameritrade
Replies: 20
Views: 1274

Re: Schwab to TD Ameritrade

They are both very good. Be aware though that, unlike Schwab, TDA does not offer 2FA for logins, using the secret question thing instead (at least AFAIK). If you try to change critical info., like username or password, then they will send you a 2FA code.
by investor4life
Tue May 30, 2017 11:43 pm
Forum: Investing - Theory, News & General
Topic: Does your username at fidelity.com get hidden?
Replies: 12
Views: 920

Does your username at fidelity.com get hidden?

Up until about a month or so ago, my username at fidelity.com would get replaced by *** (except for the last few characters) when I moved to the password field. I guess this was some sort of "security feature". Anyways, this no longer happens--the full username continues to be displayed. I...
by investor4life
Thu Apr 20, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1556

About lawn sprinkler sytem

I'm planning to have an automatic lawn sprinkler system installed this Spring/Summer. What are some of the brands to consider and to avoid, for sprinkler heads, valves, master controller etc.? (I assume mix-and-match is not a good idea?) Also, what's a ballpark for cost if in the Midwest? My yard is...
by investor4life
Mon Apr 17, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 3907

Re: New HVAC - Assessing Quotes?

Try Costco (Google for "Costco furnace and a/c replacement"; I'd post the URL but it gets mangled). They offer Lennox through various dealers. The fact that the installers are vetted by Costco gave us some peace of mind when we replaced ours last Fall. Installation was top-notch and furnac...
by investor4life
Sun Mar 26, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally vs Discover
Replies: 20
Views: 3770

Re: Ally vs Discover

Ally does have 2FA. It's somewhat random though in the sense that it will sometimes send you a code and sometimes log you right in (even if you have selected the option where it should always treat your computer as a "public" computer). I find this disconcerting and have had numerous conve...
by investor4life
Sat Mar 25, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 24907

Re: Capital One 360 $200 bonus

OK, so I signed up for the Capital One 360 account and $200 bonus and am waiting for funds to transfer from an external account. The signup process was easy--in fact too easy in the sense that nowhere was I prompted to set up security questions or 2FA. Nor was I informed about the SwiftID feature (w...
by investor4life
Thu Dec 22, 2016 12:17 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 50
Views: 5828

Re: Water Heater Install $1,800!

Had a 50 gallon gas water heater (Rheem) installed by Home Depot in August 2015. $1075.87 out the door, including disposal. Install was in basement and they had to negotiate two flights of stairs, including a 90-degree turn. All done with a single phone call to HD. Great product and service.
by investor4life
Thu Dec 01, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery
Replies: 9
Views: 974

Re: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery

Yes, good points. My calculation is off, as dodecahedron has noted. Hopefully, the OP can plug in the numbers relevant to his/her situation and reach the proper conclusion.
by investor4life
Thu Dec 01, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery
Replies: 9
Views: 974

Re: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery

Here is a rough calculation: Assumptions: Surgery costs 10000 (all in-network), you contribute the max of 6750 to your HSA (IRS-allowed max of 7750 less employer contribution of 1000), and (for the sake of concreteness) your federal+state tax rate is 35%. Also assuming premiums are paid pre-tax (as ...
by investor4life
Thu Mar 31, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Living in/near New Haven CT
Replies: 21
Views: 2116

Living in/near New Haven CT

DD will be moving to a new job in New Haven mid-summer. We are looking at living options. Rent budget is about $1500-1700/month for a 1-bedroom apt. We have heard that parts of New Haven are to be avoided (rough neighborhood etc.) For those familiar with the area: 1) What are the parts of New Haven ...
by investor4life
Sun Jan 31, 2016 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Two questions about UTMAs
Replies: 2
Views: 371

Two questions about UTMAs

I had put money in a UTMA a/c for my son a while back. He is no longer a minor, so he controls the funds now. They have appreciated in value since the initial investment. We are wondering about the following: 1) How does he go about gaining access to and withdrawing the funds? They are currently inv...
by investor4life
Mon Jan 25, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 15065

Re: What is your favorite Financial Quote or Metaphor??

The best way to make a small fortune in the stock market is to start with a large one.
by investor4life
Mon Jan 25, 2016 11:38 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 18504

Re: Do you pay for exercise?

I pay zero per month. The actual cost of $36 per month but my health plan reimburses me $40 each month that DW and I exercise a certain number of times ($20 per person). I tried to get the health club to return the $4 difference to me but no dice :twisted:
by investor4life
Thu Jan 14, 2016 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 5665

Does a BH play the lottery?

This 1.5B Powerball had me wondering?

As a Boglehead, do you play any kind of lottery? If so, how much have you won?

Me? Never got beyond winning around $10 once in Bingo. :(
by investor4life
Sun Dec 20, 2015 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 13812

Re: Next credit card for a bonus?

To OP and others: May I ask how this strategy has impacted your credit score? The credit card goodies out there these days are very tempting but I hesitate to jump in for fear of ruining my score, which hovers between 775 and 820 depending on how much I have run up on my cards in a given month. I ha...
by investor4life
Sat Oct 24, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 16270

Re: Guilty pleasures?

Dark chocolate! Nothing fancy---Dove, Lindt, Pete's...but sometimes Cote D'Or
by investor4life
Wed Oct 21, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much info. to share with estate planning attorney
Replies: 20
Views: 2730

How much info. to share with estate planning attorney

DW and I are finally getting around to estate planning. We contacted a local estate planning attorney. He sent us a detailed 10-page questionnaire to fill out before our first meeting. The questionnaire asks for a ton of info beyond the usual stuff like DOB, SSN (which I am always reluctant to share...
by investor4life
Mon Sep 21, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Working 23 yo Son Medical Insurance Ours/His/Both ?
Replies: 41
Views: 2617

Re: Working 23 yo Son Medical Insurance Ours/His/Both ?

We took an in-between approach: My working (under-26) son is on my medical and dental plans. This does not cost me extra but has saved him about $1.5K per year in premiums. The few times that he has had to see a doctor, he's paid the deductible and prescription cost (about $300). Seems to be working...
by investor4life
Tue Jun 09, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 17578

Re: Car dealer wants me to compensate for underpayment

Happened to me, too, several years ago. Dealer made a clerical error that underbilled me by $1K. He called and offered a free extended warranty in exchange for the payment. Turned out well as the car was a lemon. I made up that 1K many times over. Dumped the car when the warranty ran out. :twisted:
by investor4life
Thu Mar 12, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax on promissory note
Replies: 4
Views: 1223

Tax on promissory note

So here's the situation: DS accepted a new job in Sept. 2014. The offer included a $5K signing bonus structured as a promissory note. He received the money in Oct. 2014 but will start the job only next month. The deal is that if he sticks around for at least one year then the principal will be forgi...
by investor4life
Mon Mar 09, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Water softener question
Replies: 6
Views: 872

Re: Water softener question

It was just pointed out to me that I posted this (inadvertently) in "Investing - Theory, News & General" :oops: . My apologies. I don't know how to move this to "Personal Consumer Issues" (short of re-posting). I hope that one of the moderators can work his/her magic.

Thanks!
by investor4life
Mon Mar 09, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Water softener question
Replies: 6
Views: 872

Water softener question

Hi all, We are now on our second Kenmore water softener (Intellisoft 350) in 18 years and this one is doing the same thing that the first one did before it died: After regeneration, the brine tank has about a foot of standing water. I've done the usual DIY tests (salt dome, kinks in drain line, clea...
by investor4life
Fri Feb 06, 2015 11:37 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 5010

Re: TurboTax fraud?

[quote="pshonore"][quote="investor4life"]+1 What I don't quite understand is how someone who has my SSN etc. can file a fraudulent return and actually get away with it? Doesn't the IRS check that the numbers on the W4s, 1099s, etc. that are associated with me actually match with ...
by investor4life
Fri Feb 06, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 5010

Re: TurboTax fraud?

+1 What I don't quite understand is how someone who has my SSN etc. can file a fraudulent return and actually get away with it? Doesn't the IRS check that the numbers on the W4s, 1099s, etc. that are associated with me actually match with the ones listed on the fake return? It's highly unlikely that...
by investor4life
Sun Nov 30, 2014 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Is this true re. HSA-eligible health insurance plans?
Replies: 1
Views: 580

Is this true re. HSA-eligible health insurance plans?

I'm going through Open Enrollment presently and am considering a High-Deductible Health Plan coupled with an HSA account. While researching pros and cons, I came across a website that states that once one is in an HDHP one cannot switch back to a low-deductible plan without medical underwriting. See...
by investor4life
Fri Nov 21, 2014 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 79
Views: 15961

Re: Updated opinions about Ally Bank?

My one complaint about Ally (and it's a big one, imho) is that their promised 2-factor authentication system does not work (at least not for me). Over the last couple of months, I have been able to always log in from various computers (even ones that I have never used before) without ever being chal...
by investor4life
Tue Nov 04, 2014 7:03 pm
Forum: Personal Consumer Issues
Topic: Any experience with Hyatt Legal Plans?
Replies: 16
Views: 2058

Re: Any experience with Hyatt Legal Plans?

[quote="niceguy7376"]There were a couple of posts here in the last few days. I used their service to have a will written for our family. Pretty straight forward and easy and economical.[/quote]

Thanks! I should have searched the BH site before posting...
by investor4life
Tue Nov 04, 2014 5:54 pm
Forum: Personal Consumer Issues
Topic: Any experience with Hyatt Legal Plans?
Replies: 16
Views: 2058

Any experience with Hyatt Legal Plans?

DW has the opportunity to sign up for "Hyatt Legal Plans" during Open Enrollment this month. HLP is a group legal plan, meaning that for a flat monthly fee of about $17 we have access to legal consultation for a wide range of matters (Estate Planning, Real Estate, Traffic, Family Law, Doc....
by investor4life
Thu Sep 11, 2014 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Question about ALLY logon
Replies: 3
Views: 453

Question about ALLY logon

So, here's something that happened to me today. I tried logging into my Ally account and was *not* challenged for the security code that's sent to my phone (as part of 2-step authentication). I always mark my computer as "public" so that I am always challenged (I don't mind the extra step ...
by investor4life
Thu Aug 21, 2014 4:49 pm
Forum: Personal Consumer Issues
Topic: Opinions on Webroot Security Anywhere
Replies: 6
Views: 665

Opinions on Webroot Security Anywhere

Ally offers Webroot Security Anywhere free to its customers. I have been using Norton Security Suite (free from Comcast) for some time. No real complaints about it but if Webroot is better I wouldn't mind switching. Thoughts?

Thanks!
by investor4life
Fri Aug 15, 2014 10:28 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 27540

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1949 (where it is today as I post :happy )
by investor4life
Tue Aug 12, 2014 9:00 pm
Forum: Personal Consumer Issues
Topic: Verizon Rewards - worth signing up?
Replies: 11
Views: 4500

Re: Verizon Rewards - worth signing up?

I got this offer, too. The fine print states: "Participation in Smart Rewards may require enrollment in Verizon Selects, which personalizes marketing customers may receive from Verizon and other companies by using information about customers' use of Verizon products and services including locat...
by investor4life
Mon Aug 11, 2014 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 3313

Re: How important is my insurance agent?

OP here. After reading some of your suggestions, I called the agent's office and mentioned the "S"-word ("switch"). Problem solved! The quote that I requested for the new coverage was in my inbox within the hour. However, based on the feedback here, I will definitely shop around ...
by investor4life
Mon Aug 11, 2014 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 3313

How important is my insurance agent?

I've been with State Farm and the same agent for 27 years (home, auto, umbrella) and have been happy...so far. Lately, it's been difficult to talk directly to my agent (either on the phone or via email) when I have a question/need new coverage. (That is, except when he calls me like clockwork to wis...
by investor4life
Thu Aug 07, 2014 12:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 5326

Re: Vanguard computer security

I guess there are reasons after all for Vanguard's rock bottom expense ratio---relatively weak security, refusal to allow beneficiaries on taxable joint-accounts, etc. I'd gladly trade a small increase in expense ratio for more peace of mind. Heck, even my no-name credit union has 3-step authenticat...
by investor4life
Tue Aug 05, 2014 1:00 pm
Forum: Personal Consumer Issues
Topic: Window Wells Filling / Contractor Question
Replies: 12
Views: 4369

Re: Window Wells Filling / Contractor Question

I had the exact same problem--north-facing house, with a window well on the west side. The corrugated metal of the well poked out only an inch or so above the landscaping rock. The well would fill with water in a hard rain (water coming in from the top and the sides, where the sheet metal met the fo...
by investor4life
Wed Jul 16, 2014 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Is this a Vanguard quirk? [Adding beneficiaries to account]
Replies: 36
Views: 7213

Is this a Vanguard quirk? [Adding beneficiaries to account]

I have a non-retirement account at Vanguard, held jointly with my spouse (the account is JT TEN WROS). I want to add my children as beneficiaries in the event that both account holders pass away simultaneously. (The children are not minors.) When I called Vanguard, I was told that they do NOT offer ...
by investor4life
Fri Oct 08, 2010 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Question about exercising "underwater" options
Replies: 8
Views: 1269

Question about exercising "underwater" options

Pardon me if this has been asked before; I am new to this forum. I have a reasonable number of stock options that were awarded by my employer ten years ago, when I started to work for the company. The exercise price is approximately $52. The stock is currently at about $33. The options expire in abo...