Search found 444 matches

by Horsefly
Tue Jun 18, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 138
Views: 21506

Re: Don't pay full price for SiriusXM radio

I have a calendar reminder set as well. But it does get annoying having to go through the song and dance 2x a year. No calendar reminder or song/dance needed. Once you sign up for your next 6 months, simply tell them "I want to cancel the service after this 6 month term is up," which wipes out the ...
by Horsefly
Mon Jun 17, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bank won't give Medallion Signature Guarantee for anything related to savings bonds
Replies: 16
Views: 1376

Re: Bank won't give Medallion Signature Guarantee for anything related to savings bonds

My siblings and I recently needed to ask Fidelity to make a rather sizeable distribution from a Partnership. My Private Client rep at Fidelity told me we needed Medallion Signature Guarantees due to the amount of the distribution. I can get mine at the local Fidelity office, but my siblings both liv...
by Horsefly
Mon Jun 17, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 56
Views: 2626

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

My history: Spent >$700 a few years ago at the optician that works out of my optometrist's office. Spent about $250 for a new pair at Costco a couple of years ago. Spent $120 at Zenni for a new pair of sunglasses for golf. All three pair were progressive, hi-index lenses. The first two were also tra...
by Horsefly
Mon Jun 17, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 48
Views: 3472

Re: how is Home Depot's contractor service (for a water heater)?

You should ask your local Home Depot who their plumbing contractor is. Here in the Denver area at least, HD has an agreement with only one plumbing / HVAC contractor. The honest guy at our local HD (probably a retired plumber who was only working at HD for something to do) said that the HD contracto...
by Horsefly
Thu Jun 13, 2019 8:52 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6044

Re: Do Fidelity Offices/Advisors Add Value?

I don't use Fidelity over Vanguard. My thought is that Fidelity brick, mortar and advisors are there to add value to Fidelity, not investors. So I suppose it isn't possible that Fidelity has determined this adds value to investors, and as a result adds value to Fidelity? I.e., I think Fidelity is s...
by Horsefly
Wed Jun 12, 2019 8:39 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6044

Re: Do Fidelity Offices/Advisors Add Value?

I don't use Fidelity over Vanguard. My thought is that Fidelity brick, mortar and advisors are there to add value to Fidelity, not investors. So I suppose it isn't possible that Fidelity has determined this adds value to investors, and as a result adds value to Fidelity? I.e., I think Fidelity is s...
by Horsefly
Wed Jun 12, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6044

Re: Do Fidelity Offices/Advisors Add Value?

I am surprised that the Fido advisor does not have an assistant who makes virtually all the phone calls to clients and potential clients. I agree with this. If I call or email my private client rep, I may or may not hear back directly from him. If it is something simple, one of the lower echelon me...
by Horsefly
Tue Jun 11, 2019 6:22 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 88
Views: 6044

Re: Do Fidelity Offices/Advisors Add Value?

I've found having a local office and a senior rep assigned to me to be very useful. A few examples: Medallion signature guarantee. They do it for free, and it is getting harder and harder to find a bank that will do it. Some banks will do it, but only for forms/transactions with their bank. Free est...
by Horsefly
Mon Jun 10, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3026

Re: Costco Visa credit limit

My fico score is 855. Interesting, since the max FICO score id 850. :shock: Horsefly, Not true. Max FICO score is 900. My FICO score is 861. KlangFool The FICO model used for (as far as I know) *ALL* credit cards is FICO 8, which goes from 300-850. I'm pretty sure we are talking about credit cards ...
by Horsefly
Mon Jun 10, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 3026

Re: Costco Visa credit limit

crit wrote:
Mon Jun 10, 2019 8:13 am
My fico score is 855.
Interesting, since the max FICO score id 850. :shock:
by Horsefly
Sun Jun 09, 2019 7:29 pm
Forum: Personal Investments
Topic: considering opening a UTMA to reduce taxes... financial aid mistake?
Replies: 29
Views: 1362

Re: considering opening a UTMA to reduce taxes... financial aid mistake?

I'm going based off of threads like these (and others that seem similar) https://www.bogleheads.org/forum/viewtopic.php?t=248372#p3909080 https://www.bogleheads.org/forum/viewtopic.php?t=256308 I think the key is no earned income.. https://www.forbes.com/sites/kellyphillipserb/2019/03/25/taxes-from...
by Horsefly
Sun Jun 09, 2019 11:59 am
Forum: Personal Investments
Topic: considering opening a UTMA to reduce taxes... financial aid mistake?
Replies: 29
Views: 1362

Re: considering opening a UTMA to reduce taxes... financial aid mistake?

You didn't mention the Kiddie Tax for unearned income over $2,200 (2019) for a child under age 24 if a full time student. I'm not familiar with it, but I've read unearned income over $2,200 for a full time student child under 24 is taxed at the same rate for "trusts & estates". I don't know exactly...
by Horsefly
Sat Jun 08, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78259

Re: Fidelity as a one stop shop

Since transitioning to using the ATM/debit card with my fidelity brokerage account, I've noticed that an ATM withdrawal doesn't post to the account for 2-3 business days. Years ago when I used the ATM card with the fidelity CMA account, I thought it posted same day. Curious if others have noticed t...
by Horsefly
Wed Jun 05, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 736
Views: 78259

Re: Fidelity as a one stop shop

I haven't read the entire thread so I apologize if the answer is in there. Has anyone set up their Fidelity CMA account titled as a revocable trust? thanks Our CMA is JROS between DW and I, but the brokerage it is linked to is registered under our revocable trust. Edit to add: I'm sure we could hav...
by Horsefly
Sun Jun 02, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2127

Re: Should I buy Euros from local bank or use ATM in Europe

I travel to Europe several times a year. I use no foreign transaction fee credit cards when possible for big ticket items (hotel, etc.), and in places where credit cards are widely used such as gas stations and grocery stores and most restaurants. Despite the fact that my credit cards have chips an...
by Horsefly
Sat Jun 01, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2127

Re: Should I buy Euros from local bank or use ATM in Europe

Three points: 1) In Europe, Australia, and New Zealand, I've found that almost no one uses cash. Even the smallest street carts have a credit card PoS (Point of Sale) terminal. 2) Although I love the cash back on my Fidelity Visa card and the 1% foreign transaction fee (FTF) isn't bad, there are muc...
by Horsefly
Sat Jun 01, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1098
Views: 153102

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

It seems that CUlater is taking some heat for keeping this thread alive but speaking personally, I'm glad he has continued pressing. My daughter has one of these cars, and her dealer has been claiming to have not even heard anything about it for over a year. I visit Bogleheads.org often, and if not ...
by Horsefly
Thu May 30, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2236

Re: For Sale by Owner or RE Agent???

Keep in mind that the listing agent's motivations are never going to be the same as yours (the seller). You may have a goal to sell within X months at the best price you can. The agent wants to have one or two open houses and have it gone. Granted what the agent wants may be better for you than wha...
by Horsefly
Wed May 29, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1721

Re: Recommendations for a budget TV

TCL for sure. We got ours at Costco. 75". I also got my daughter to by a 40" TCL (Costco), and my brother to buy a 55" TCL (Walmart). We love ours, and so does my daughter and brother.
by Horsefly
Wed May 29, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: For Sale by Owner or RE Agent???
Replies: 38
Views: 2236

Re: For Sale by Owner or RE Agent???

Keep in mind that the listing agent's motivations are never going to be the same as yours (the seller). You may have a goal to sell within X months at the best price you can. The agent wants to have one or two open houses and have it gone. Granted what the agent wants may be better for you than what...
by Horsefly
Tue May 28, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3827
Views: 704851

Re: What's Your Credit Card Rewards Strategy?

WestCoastNewbie wrote:
Tue May 28, 2019 10:31 am
Does anyone know if Airbnb qualifies for 3% travel on Costco Anywhere Card? Planning to make a large booking and want to make sure I maximize the rewards points.
AirBnB is coded as travel / lodging, and I believe it has worked that way for me on the Costco Card and the Chase cards.
by Horsefly
Tue May 28, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3827
Views: 704851

Re: What's Your Credit Card Rewards Strategy?

In the past year I got the Chase Ink Preferred, Chase Sapphire Preferred, and Chase Freedom Unlimited. I'm currently at 5/24 until early August, at which point I'll get the Chase Freedom. I really wish I would have gotten the Sapphire Reserve instead of the Sapphire Preferred, but when I applied for...
by Horsefly
Thu May 23, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2157

Re: Weber vs Broil King Grills

This is likely to be a discussion with religion-like zeal, similar to what some of the Vanguard vs Fidelity discussions devolve into. I don't know that I've had any experience with Broil King, but I know I tried lots of cheaper grills 30 years ago. I switched to Weber and have been really pleased fo...
by Horsefly
Thu May 23, 2019 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4633

Re: Are you missing a $15,000 payment from CRB FREEDOM?

A quick Google indicates there is a "CRB Lending" in Canada (Ontario).

https://crblending.com/about/
by Horsefly
Mon May 20, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 57
Views: 4504

Re: Churning Credit Cards

Wow. 75 cards is pretty impressive. I've got 11 cards, and DW thinks I'm silly. Fact is, DW doesn't really want to play the game. Even though I make her an authorized user on most cards, she doesn't want to pay attention to what card to use for what. I've got her convinced to use the Chase Sapphire ...
by Horsefly
Sun May 19, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 57
Views: 4504

Re: Churning Credit Cards

We have run up against 5/24 rules with Chase and Citi. Therefore, I moved on to business cards now Stupid question, but I imagine that you have some sort of business, right? Do they even ask? The bar is pretty low. You don't have to even have a business that is currently making money, but you need ...
by Horsefly
Sun May 19, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 57
Views: 4504

Re: Churning Credit Cards

Applying for - and receiving - new credit cards has generally a more positive impact on your credit score than the negative one. Generally a new application will result in a "hard" inquiry to one or more of the credit bureaus. The number of hard inquiries only contributes 10% of your score. However,...
by Horsefly
Fri May 17, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Capital One Eno
Replies: 16
Views: 1478

Re: Capital One Eno

Eno seems to be really well thought out. Although I don't use it really often, I really like the feature that pops up to let me use a virtual number whenever I'm about to buy something on-line. As others have stated, one of the primary things to use this for is things that you want to have some cont...
by Horsefly
Mon May 06, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3827
Views: 704851

Re: What's Your Credit Card Rewards Strategy?

Just like BoA Preferred Rewards, investments count. So you could put at least some (don't remember if you have to maintain a minimum in a savings/checking account) into a MM brokerage fund, Vanguard ETF, whatever you want. It would be even more hassle to close later on though. Within 45 calendar da...
by Horsefly
Mon May 06, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3827
Views: 704851

Re: What's Your Credit Card Rewards Strategy?

I know this question is somewhat tangential to credit cards, but is related... For those who are big on Chase Ultimate Reward (CUR) points, has anyone bit on the Chase Sapphire Banking offer? If you open an account and keep $75K there for 90 days, they give you 60K CUR points. Points in favor: 60K u...
by Horsefly
Sat May 04, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1691

Re: Denver in August

Rocky Mountain National Park at Estes Park, Mesa Verde, Great Sand Dunes, Black Canyon, Maroon Bells (near Aspen), Telluride, Durango and much more. See More here: https://www.colorado.com/articles/quick-guide-colorado-national-parks https://www.colorado.com Dave Drive from Denver through Boulder a...
by Horsefly
Sat May 04, 2019 6:43 pm
Forum: Personal Investments
Topic: Pension: Lump Sum or Monthly Payout?
Replies: 9
Views: 1357

Re: Pension: Lump Sum or Monthly Payout?

I faced a similar situation when I retired 6 years ago. The specific numbers are not important here, but I'll say that immediate annuity showed that the annuity was probably better. Three things drove me to go with the lump sum: No COLA. I retired at age 55, and that erodes the value of the pension ...
by Horsefly
Thu May 02, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Spending Models in Retirement
Replies: 9
Views: 1159

Re: Spending Models in Retirement

Currently 58 and looking for suitable model for spending in retirement. I am assuming there are 3 waves of spending: 1) 55 to 65 2) 65 to 75 3) 75 and beyond. I am assuming spending for category 1 > category 2 > category 3. Are there any bogleheads out there who have lived thru these stages that ca...
by Horsefly
Wed May 01, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Best use of Chase Sapphire Preferred points?
Replies: 27
Views: 2745

Re: Best use of Chase Sapphire Preferred points?

There's been some suggestions here to upgrade from the Chase Sapphire Preferred (CSP) to the Chase Sapphire Reserve (CSR). I've read some stuff on-line suggesting that you can't upgrade until you've had the CSP for some number of months. I've only had mine since early Jan-2019. Does anyone here know...
by Horsefly
Tue Apr 23, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

Re: River cruise, Avignon to Lyon, France

I have heard that, at times, river cruises get turned into bus tours because the rivers are low. The thing is, sometimes the rivers are low for months. Yet the river cruise companies don't give their customers an opportunity to cancel before they arrive. YMMV YEah, I've heard that too. We've done l...
by Horsefly
Tue Apr 23, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4541

Re: At what age did you buy your first first class airplane ticket?

First class, totally out of pocket, for our honeymoon at age 29. Ditto for me. Age 29 honeymoon flight from LA to Honolulu and back. Two years later (1989) we used miles to get first class LA/Tokyo round trip tix. Then nothing until last month, now age 61. Bought Polaris class tix to Australia, and...
by Horsefly
Sun Apr 21, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

Re: River cruise, Avignon to Lyon, France

You guys are awesome! Combining some of the thoughts expressed in your replies: Fly into Marseille Hang out in Aix-en-Provence (or other places in Provence) for a few days (I'll probably post a request for specific things to do in a new thread as we get closer) Rent a car and drive up to Avignon. Ne...
by Horsefly
Sun Apr 21, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

Re: River cruise, Avignon to Lyon, France

Lots of excellent replies! Thanks for all of them! We haven't decided yet how much time we want to spend in Paris, but if we are flying all the way there we certainly will want to stay a few days. I wouldn’t take excessively large luggage on the tgv. Try to take bags you can fit over your seat inste...
by Horsefly
Sat Apr 20, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

Re: River cruise, Avignon to Lyon, France

GuyInFL wrote:
Sat Apr 20, 2019 7:35 pm
Norwegian Air has great rates to Paris. Also consider flying in to Paris and out of another European location.
Just to be clear, I'm asking mostly about how to get from Paris to Avignon and from Lyon to Paris. I can figure out how to get to Paris from the states.
by Horsefly
Sat Apr 20, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

Re: River cruise, Avignon to Lyon, France

You know, I use cruise critic all the time but hadn't even thought about using it after I was booked. Thanks for that!
by Horsefly
Sat Apr 20, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

River cruise, Avignon to Lyon, France

Wanting to pick the brains of the experienced travelers here. We are doing a river cruise next year from Avignon France to Lyon France. Looking at the best ways to get there from the states, I'm considering flying into Paris and taking trains to Avignon and from Lyon back to Paris. Does that make se...
by Horsefly
Sat Apr 20, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9650

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Retired for six years. We cruised quite a bit before retiring, and have gone on several more since then. However, I don't think cruising is the best way to see places, so I would not put them on the top of my list. Here's our favorites so far: New Zealand - We spent almost four weeks driving around...
by Horsefly
Sat Apr 20, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 116
Views: 9650

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

Retired for six years. We cruised quite a bit before retiring, and have gone on several more since then. However, I don't think cruising is the best way to see places, so I would not put them on the top of my list. Here's our favorites so far: New Zealand - We spent almost four weeks driving around ...
by Horsefly
Thu Apr 18, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Get the best deal for your cruise: Whole Food, Plant Based
Replies: 14
Views: 2047

Re: Get the best deal for your cruise: Whole Food, Plant Based

We go on cruises quite often, and both our daughters are vegan. Although it hasn't been ideal, we've never had a problem with the cruise being able to find things that our daughters were happy with. The key was to contact the head maitre d as soon as possible after boarding, and giving them as much ...
by Horsefly
Thu Apr 18, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Electric smoker
Replies: 26
Views: 1190

Re: Electric smoker

I use a pellet smoker from Camp Chef. It is absolutely awesome, and I would recommend a pellet smoker to anyone with the OP's questions. What a pellet smoker is NOT: It isn't a purists smoker. Who cares? Honestly, I've used gas smokers and off-set wood smokers. The difference in what you eat is real...
by Horsefly
Wed Apr 17, 2019 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6217

Re: What defines "income" on a retiree's credit card application?

drawpoker wrote:
Wed Apr 17, 2019 8:02 pm
Gimmee a break......
+1
:beer
by Horsefly
Wed Apr 17, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question on compromised credit cards
Replies: 20
Views: 1197

Re: Question on compromised credit cards

I'm wondering if there is something I can do to minimize the risk of getting cards compromised, and if inactivity on a card might predispose it to be compromised? As others have stated, there is nothing you can do to prevent the card being compromised. However, there IS something you can do to limi...
by Horsefly
Mon Apr 15, 2019 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: What defines "income" on a retiree's credit card application?
Replies: 102
Views: 6217

Re: What defines "income" on a retiree's credit card application?

I've gotten several new credit cards since we retired, and am having fun with the rewards game. However, I was facing the same delima as the OP. We currently live on a less than 3% withdrawal rate, so I just put for my income something close to 3% of our investment assets. We have a small pension as...
by Horsefly
Mon Apr 15, 2019 2:19 pm
Forum: Personal Investments
Topic: Wash Sales
Replies: 32
Views: 1618

Re: Wash Sales

The way I read the Investopedia article I linked to earlier in this thread, it seems as though the IRS does not (as of the writing of the Investopedia article) consider two separate S&P 500 ETFs to be "substantially identical". It also said that the IRS may in the future revisit such a consideration...
by Horsefly
Sun Apr 14, 2019 7:10 pm
Forum: Personal Investments
Topic: Wash Sales
Replies: 32
Views: 1618

Re: Wash Sales

Although I would not have thought so, it looks like Nate is right, to the degree that Investopedia is up to date. https://www.investopedia.com/terms/s/substantiallyidenticalsecurity.asp The rationale is that the two S&P 500 ETFs have different fund managers, different expense ratios, may replicate t...