Search found 685 matches

by walletless
Sun Jul 16, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Wordpress Theme suggestion
Replies: 0
Views: 141

Wordpress Theme suggestion

Hello, I am looking for a good "drag and drop" style wordpress theme for my new blog (hosted at InMotionHosting). The blog is a health/diet/fitness theme blog. Typical posts will be things like: 1) Recipes with HD photo or YouTube Videos as top media 2) Suggestion for exercise routines 3) ...
by walletless
Sun Jul 09, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

The card I use for groceries beats BCP by about 2.49%, and has no annual fee. Thanks for the teaser. 3.5%-1.01%=2.49% When you consider the annual fee, BCP is worse than a debit card. What card gives you 3.5%? They are probably referring to the Bank Of America Cash Rewards card (with the 75% platin...
by walletless
Sun Jul 09, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

*3!4!/5! wrote:
Carl53 wrote:
*3!4!/5! wrote:The card I use for groceries beats BCP by about 2.49%, and has no annual fee.

Thanks for the teaser.

3.5%-1.01%=2.49%
When you consider the annual fee, BCP is worse than a debit card.

What card gives you 3.5%?
by walletless
Sat Jul 08, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. Below is definition of supermarket I got from dictionary.com for you: a large retail market that sells food and other household goods and that is usually...
by walletless
Sat Jul 08, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. That is the class of store they specifically exclude. I would interpret eligible stores as being those whose primary business is groceries. I am admitted...
by walletless
Sat Jul 08, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 2933

Re: Luggage recommendation

it-luggage & Sharper image bags sold at Ross are very light weight. My it-luggage 29" bag weighs 8 lbs, whereas the Sharper Image 30" one weight somewhere between 9 & 10 lbs.
by walletless
Sat Jul 08, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

I want to clarify: the amex cards have 3% & 6% cash back at supermarkets, not grocery stores. I shop grocery at stores like Sprouts, Safeway & local grocery stores. I almost never do grocery shopping at supermarkets... So that card so not work for me, correct? I get 6% on groceries just abo...
by walletless
Sat Jul 08, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

I want to clarify: the amex cards have 3% & 6% cash back at supermarkets, not grocery stores. I shop grocery at stores like Sprouts, Safeway & local grocery stores. I almost never do grocery shopping at supermarkets... So that card so not work for me, correct?
by walletless
Fri Jul 07, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 2933

Re: Luggage recommendation

misterno wrote:Just came from Costco and I did not see Kirkland brand luggage out there

Must be out of stock. They look like these, and were $99.99 when I visited them few weeks ago: http://costcocouple.com/kirkland-signat ... e-spinner/
by walletless
Fri Jul 07, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 2933

Re: Luggage recommendation

misterno wrote:I will visit Marshalls and Ross just to see what they have

Yes, I recommend visiting Ross at least. Not sure what Marshalls has, but in my experience Marshalls generally tends to be a bit more expensive than Ross.
by walletless
Fri Jul 07, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

Did you google this? I just did: http://www.magnifymoney.com/blog/earning-cashback/best-cash-back-cards-grocery-shopping The Consumers Credit Union visa gets you 3% on groceries and $100 bonus for $1k in spending in the first month. Thanks! I did lookup nerdwallet but could not find it useful. The ...
by walletless
Fri Jul 07, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

Re: A good VISA card for Gas & Groceries?

The BoA card that you already have gets you 3% on gas for the first $2,500 spent per quarter on gas/groceries. Though it only gets 2% on wholesale purchases, not the 3% that you mention, unless you have a different card I've never seen. The only other one I know of that offers more is the Sam's Clu...
by walletless
Fri Jul 07, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3871

A good VISA card for Gas & Groceries?

I used the Sallie-mae Mastercard for Groceries that fetched me 5% rewards. Unfortunately, Barclays converted it to the "Commence" card earlier this year, earning a paltry 1% on all purchases now (2% on utility and groceries). I am now looking for a VISA card that can fetch me a good cashba...
by walletless
Fri Jul 07, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 2933

Re: Luggage recommendation

if you are on a budget, visit a nearby Ross store, they have several 30 inch spinners for $50-60 range. it-luggage and sharper image brand luggage have lasted well for me and are light weight (7-8 lbs). i got one each and they have survived 2 round trips to india and still intact. p.s. Yes Samsonite...
by walletless
Sun Jul 02, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15128

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Remember, Ally has a 11-month no-penalty CD at 1.50%. You can withdraw without penalty any time after 6 days, making it effectively a good place to park money rather than VMMXX.
by walletless
Tue Jun 13, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1489

Re: Good Digital Tire Gauge

I have this & like it:
Astro 3018 Digital Tire Inflator with Stainless Steel Braided Hose
https://www.amazon.com/dp/B002PUTC0M/
by walletless
Tue Jun 13, 2017 1:57 am
Forum: Personal Consumer Issues
Topic: Ally Website and Mobile Banking Down???
Replies: 14
Views: 1445

Re: Ally Website and Mobile Banking Down???

I've moved most of my money from Ally to GSBank (1.20%) & PurePoint (1.25%). Couldn't be happier. I use GSBank to hold money untill it is large enough (few thousand dollars) to invest into my portfolio. A few hundred dollars from each pay check is automatically deposited here; and I sweep from m...
by walletless
Thu Jun 08, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 21
Views: 3677

Re: GS Bank raised rate to 1.20%

Sweet! Let the rate wars begin. I'm on PurePoint since few months, enjoying 1.25% on my emergency cash.
by walletless
Mon May 29, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5600

Re: Credit unions are non-profit, how come they do not dominate over banks???

I have a Chase checking account for only one reason: they offer safe deposit box, None of the CUs in my area offer it. With direct deposit requirements I am forced to use it as my primary account now. They do offer great service in branch such as 24 hour access to ATM machine which can give money in...
by walletless
Mon May 22, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 2031

Re: NY vs Utah 529?? Can't decide!

You'd be fine either way - both are great 529 plans with very good age-based options out of the box. Do you have relatives in either states who may contribute to the plan? That may be one thing to consider in deciding since both states give some tax-free contribution limits to state residents. Other...
by walletless
Thu Apr 13, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 1663

Re: Dollar Savings Direct - 1.25% Savings

So its a teaser rate? Interesting I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates. Agreed....
by walletless
Thu Apr 13, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 1663

Re: Dollar Savings Direct - 1.25% Savings

luderiffic wrote:So its a teaser rate? Interesting

I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates.
by walletless
Wed Apr 12, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront: Why we avoid Blackrock ETFs
Replies: 24
Views: 3989

Re: Wealthfront: Why we avoid Blackrock ETFs

Use iShares to TLH for few categories like SCV and EM. Mostly use Vanguard otherwise. Its great that there are low cost competitors cropping up to challenge Vanguard. More options = win for us consumers.
by walletless
Fri Apr 07, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 998

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

If you have a reserve you do not need CSP. The benefits are same or better, generallly speaking. Decide whether the CSP at $95 is sufficient for you, or you need the added benefits CSR gives for $450. Keep one of the two and downgrade the other to a free category card. Freedom is a great card IMO. N...
by walletless
Sat Apr 01, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Raise Your Rate CDs
Replies: 9
Views: 3197

Re: Ally Bank Raise Your Rate CDs

I agree, but at this point I'd go with the 1.45 Purepoint cd ladder over Ally. The diff is 15bps which is not insignificant, and I doubt ally will go higher by that many points in 1 year.

edit - Purepoint lowered interest rate on 1-yr cd to 1.40% as of yesterday 3/31.
by walletless
Thu Mar 30, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 54
Views: 9576

Re: PurePoint 1.25% online savings $10K min

inbox788 wrote:joint account?

Yes, joint.
by walletless
Wed Mar 29, 2017 11:27 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1035

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

I have seen some posts where the After-tax contributions have gone to Roth IRA and earnings have gone to Traditional IRA - in which case there is no tax to be paid. Since I do a backdoor Roth conversion every year, keeping a balance in traditional IRA would trigger pro-rated taxes. Hence in my case...
by walletless
Wed Mar 29, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 54
Views: 9576

Re: PurePoint 1.25% online savings $10K min

FYI, my joint account got kicked out. When I called to ask why, the said that they wanted to talk to both applicants on the same call. I still have to schedule a meeting to do that. They have limited hours (not 24/7). What could cause the account to be kicked out? We are talking about CO 360, right...
by walletless
Wed Mar 29, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1035

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

Perfect, thanks Earl. My plan has generally good "core" funds, but lacks REIT and SCV as well. I will do an in-plan conversion for now. My company also was acquired by a much larger company, so we expect the 401K plans to merge with them in future. Their plan has even better and lower-cost...
by walletless
Wed Mar 29, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: After market car backup camera and stereo system
Replies: 8
Views: 965

Re: After market car backup camera and stereo system

Thanks all. I will take a look at the Crutchfield installpass. It seems that you cannot find the installers near you until you make the purchase.. so only after I purchase a car will I be able to ask the installer the additional charges and recommendations for which unit to purchase. But this seems ...
by walletless
Wed Mar 29, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1035

Mega Backdoor: In-Plan vs Out-of-plan conversion

My employer allows us to make a quarterly non-hardship conversion of our after-tax contributions in 401K to a Roth IRA. The 401K custodian is Fidelity. I called Fidelity today to make a conversion, and the representative asked me whether I want to do a "in-plan" or "out-of-plan" ...
by walletless
Tue Mar 28, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 54
Views: 9576

Re: PurePoint 1.25% online savings $10K min

Gamma Ray wrote:How about Memory Bank with 1.5% up to $250k?

http://www.mymemorybank.com/home/earnmore-account
Forget it, it says 1st year..

Looks like interest checking account with requirement for debit card transaction.. Purepoint savings account does not have such requirements.
by walletless
Tue Mar 28, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: After market car backup camera and stereo system
Replies: 8
Views: 965

After market car backup camera and stereo system

A few years ago, I had changed the factory radio on my car to a Pioneer 2-din system. At the time, I did not feel the need for a touchscreen system with backup camera input. Now, my wife drives this car more often, and wants a backup camera installed on the car. I do not have any expertise at all in...
by walletless
Mon Mar 27, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 947010

Re: U.S. stocks in freefall

Hardly what if call a "free fall"!
by walletless
Fri Mar 24, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 733

Re: 2016 Tax Return - Paper Mail Form 8453?

Just in case this helps anyone (e.g. the OP next year) TaxAct allowed me to upload the pdf of the brokerage statement as a substitute 8949 and submitted it to the IRS with the e-file. Or at least that's what the program told me it was going to do. :D Perhaps next year TT will add this functionality...
by walletless
Fri Mar 24, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 733

Re: 2016 Tax Return - Paper Mail Form 8453?

Perhaps TT is just being cautious I think so to0.. perhaps it is a bug in the software unless it is a new IRS requirement. I have been aggregating my RSU and ESPP the same way since few years now and have never had to do this. Now that the software has printed and asked me to paper mail that form a...
by walletless
Fri Mar 24, 2017 1:16 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 733

Re: 2016 Tax Return - Paper Mail Form 8453?

Thanks kaneohe! Turbotax online support pointed me to the following page: https://ttlc.intuit.com/questions/3564967 E-filed returns – Within three days after the IRS has accepted your return, mail the Form 8949 generated by TurboTax, a copy of the summary statements provided by your broker , and the...
by walletless
Fri Mar 24, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 733

Re: 2016 Tax Return - Paper Mail Form 8453?

Are all of your transactions shown in detail on the 8949s or did you aggregate a bunch of them together? I did aggregate my employer RSU and ESPP sales, since there were about 50-60 line items for it. These were "Box A" and "Box E" items. The employer plan is through E*Trade, an...
by walletless
Thu Mar 23, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 733

2016 Tax Return - Paper Mail Form 8453?

I just completed filing my taxes through Turbotaxes, and used e-file for my federal returns. After successfully e-filing, turbotax asked me to mail the following document to IRS via regular mail: Form 8453 | This is the form you will use to send any required forms or | supporting documentation to th...
by walletless
Wed Mar 22, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 4064

Re: Where do you order checks from?

update: I ordered from 4checks , which sent the order via IdentityChecks . The boxes came nicely packaged, the checks were decent quality, and the print was good. I tested one of the checks by depositing into another of my accounts & that worked well. I did not opt for their security service, i...
by walletless
Tue Mar 21, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 54
Views: 9576

Re: PurePoint 1.25% online savings $10K min

Opened an account, thanks op for discussing it here. The account and online interface is very functional - easy to add linked accounts (they seem to support adding unlimited), you can convert it to trust ownership after opening too. PersonalCapital and Mint do not seem to support it though, yet. Hav...
by walletless
Tue Mar 21, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 5349

Re: Moving from Vanguard to Fidelity (probably)

If you're moving to Fidelity, take advantage of one of the offers:
http://www.mymoneyblog.com/fidelity-bro ... nuses.html
by walletless
Tue Mar 21, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 12
Views: 2614

Re: Vanguard 2 factor authentication and Mint or Personal Capital

dollar_elbow wrote:In my experience, Personal Capital seems to work fine if you enable Vanguard's 2FA. Mint does not work with 2FA, and will keep prompting you for the one time code each time it tries to check your Vanguard accounts.

This is my experience as well.
by walletless
Fri Mar 17, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4779

Re: Collection Agency - Are you kidding?

creditboards.com is an excellent forum to discuss this kind of query - they are the bogleheads equivalent of credit repair & collections. I encourage you to also post there. My advice- 1) Dispute in writing over certified mail return receipt only. If they call you, ask them to send in writing an...
by walletless
Wed Mar 15, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 4085

Re: Costco tire - Michelin vs Bridgestone

Thanks all, I decided to keep the Michelin tire. Once you get your quotes from Costco, give Discount Tire/America's Tire a call. I did this when I bought my winter tires (set of 4) and Discount Tire beat Costco's price. Costco's price after $70 off was $440. Discount quoted me $400 plus $100 cash ca...
by walletless
Wed Mar 15, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 4085

Re: Costco tire - Michelin vs Bridgestone

lazydavid wrote:Are you sure you can get $130 off Bridgestone? The $60 portion of that was a separate discount for Executive members that expired on Friday, unless they renewed it or put in a new promo.

Yes, 130 with code BRIDGE17MAR
by walletless
Wed Mar 15, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 4085

Costco tire - Michelin vs Bridgestone

I am super confused on which route to take, if someone with tire knowledge can help, it will be much appreciated! I live in Norcal (very little rain, mostly warm weather). I own a 2012 Nissan Altima, and drive about 7,000 miles per year. I purchased Michelin® DEFENDER 215/60R16 (Item #645921) couple...
by walletless
Sun Mar 05, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 4064

Re: Where do you order checks from?

My bank already has my acct #, I prefer to buy the checks from them. When I order the checks would last for many years, since I rarely use them, so saving $15-20 is not worth any extra work at all. You bank outsources the printing to one of the same national printers. IMO, it's no less safe to buy ...
by walletless
Sun Mar 05, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 4064

Re: Where do you order checks from?

1. I do not think checks should be "free" I agree. My Credit Union gives free cashiers check and money order, doesnt require minimum balances or direct deposits. I prefer these services over the free checks. Until last year they would give out 9 temporary checks whenever we asked, but the...

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