Search found 45 matches

by j9j
Mon Jul 06, 2020 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Will Canceling My BofA Checking End my 2.625% Rewards?
Replies: 14
Views: 815

Re: Will Canceling My BofA Checking End my 2.625% Rewards?

I keep $25 in BOA checking. Useful for depositing reward points. No fees if preferred rewards platinum status. Thanks
by j9j
Sat Jun 27, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 53
Views: 2893

Re: DVR for OTA TV

++1 on TiVo option. I have had a variety of dvr solutions. I keep coming back to TiVo(since early 2000s).

And lifetime sub has always been best value.
by j9j
Sat Jun 27, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Close Wells Fargo Savings Account?
Replies: 14
Views: 956

Re: Close Wells Fargo Savings Account?

Customer loyalty is for suckers. :happy Close that checking account, too, and open up a new one, get a $400 bonus: https://bonusoffer.wf.com/promo400 I see no need for the savings since you already have a checking account for local banking needs. This above is a good point. Close it. In about an ye...
by j9j
Sat Jun 27, 2020 9:51 am
Forum: Personal Consumer Issues
Topic: Trade in iPhone 6s Plus for $350 off iPhone 11?
Replies: 14
Views: 1311

Re: Trade in iPhone 6s Plus for $350 off iPhone 11?

If no other gotchas with T-Mobile, I would take the $350 trade in offer. make sure they don’t screw up your plan and are ok with bill credits. Even if you wanted to get the iPhone 12 in a few months or the iphone after that, the 11 will still be worth close to $350. The 6s will soon be not even wort...
by j9j
Thu Jun 25, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Going Thru Divorce
Replies: 41
Views: 6594

Re: Going Thru Divorce

Sorry to hear that. Keep your spirits up and I hope the divorce won’t prevent from enjoying the time with your child.
by j9j
Thu Jun 25, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: what is best decision financially regarding 2 used cars?
Replies: 23
Views: 1553

Re: what is best decision financially regarding 2 used cars?

If you had the sonata and were considering a Camry then I would have one reply..


Since it is already done, life is too short to not enjoy the New Camry. Sell the sonata. it would make a good car for some who needs a reliable car.
by j9j
Wed Jun 24, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Viking Built In Refrigerator--Repair or Replace?
Replies: 93
Views: 3668

Re: Viking Built In Refrigerator--Repair or Replace?

Definitely not number 4. I doubt that would add much resale value.
by j9j
Wed Jun 24, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: iPhone 7 plus to iPhone 11 Pro: Poor battery life. Time to upgrade?
Replies: 65
Views: 2474

Re: iPhone 7 plus to iPhone 11 Pro: Poor battery life. Time to upgrade?

Replacing battery at Apple store is a good option to extend the phone life. I had 7 plus and I would say the main reason to upgrade is improved camera. Definitely noticeable in pic quality, didn’t notice much phone speed(I don’t play games). The screen size on 11 pro is noticeably smaller. If you li...
by j9j
Tue Jun 16, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11067

Re: Should I sell my stash of dental floss now worth $3,000?

Sell the initial equity and let the profits rise. It could double again;)
by j9j
Sun Apr 26, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2114

Re: In your experience, what is the credit card with the best customer service?

Turkishcoffee wrote:
Sun Apr 26, 2020 6:37 pm
Amex. Not even close. I keep it after all these years in case I’m overseas and need their help.
+1. Amex by far
by j9j
Fri Apr 10, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Home office monitor?
Replies: 39
Views: 1678

Re: Home office monitor?

A suggestion, if you want a really clean setup then splurge for a monitor with a usbc connection. This will allow one cable from you monitor to your laptop that will charge your laptop, run audio and video, and data. A highly recommended monitor to enable this is the dell u3419 34inch ultrawide. Aft...
by j9j
Fri Dec 13, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Which iPad would you buy today?
Replies: 40
Views: 2588

Re: Which iPad would you buy today?

+1 on the regular $329 ipad that is on sale for $250. That would fit all the requirements you listed. Also, spend $10 bucks on glass screen saver and get a $10 case. Well worth it. I have this brand. https://smile.amazon.com/JETech-Protector-10-2-Inch-Generation-Tempered/dp/B07QPV9MRY/ref=sr_1_6?cri...
by j9j
Thu Nov 28, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Totaled My Paid Off Car; Incredibly Indecisive About Replacement/Insurance Funds
Replies: 24
Views: 2769

Re: Totaled My Paid Off Car; Incredibly Indecisive About Replacement/Insurance Funds

It is disappointing to lose a perfectly good working car that was familiar to you. I have been driving my total for nearly 10 years and would be super inconvenienced if I had to pick another car. I agree with you on all the latest models have too many bells and whistles. That being said, given the c...
by j9j
Mon Nov 18, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Gift Card Already Used?
Replies: 23
Views: 2068

Re: Gift Card Already Used?

I bought a $100 visa gift card from Staples and sat in my drawer for several months still sealed. When i went to use it showed all but $11 used up. Registering online and looking at the history, it had been used in a different state. No problem, I thought just call customer service. They would not e...
by j9j
Fri Nov 08, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 23
Views: 2227

Re: Selling to Carmax: Fix then Quote vs. Quote then Fix

Sold a few cars privately and to Carmax. With those issues, just quote and sell. Carmax will fix inhouse or wholesale the vehicle. Carmax primarily cares that the vehicle is in stock condition. For example, if you had aftermarket wheels, better to put originals back on and Carmax will most likely of...
by j9j
Fri Nov 08, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 190
Views: 24909

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Guess I jumped in early. My Bonus posted on 10/31 but another friend's hasn't posted yet. From the offer terms, the last date for all bonus payouts is 11/29.
by j9j
Mon Oct 07, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Should I sell or hold [house]?
Replies: 31
Views: 3097

Re: Should I sell or hold [house]?

Normally, the consensus on this board is to sell and simply. That is still a preferred path.

I do see your logic in keeping a known home in a known area that you might want to move back. I am in a similar situation with a prior home.

One thing for sure is rent seems too low for a $500k property.
by j9j
Fri Oct 04, 2019 10:16 am
Forum: Personal Investments
Topic: 75 year old widow (my mom) retirement portfolio suggestions, RMD's - 2.35M assets
Replies: 25
Views: 2264

Re: 75 year old widow (my mom) retirement portfolio suggestions, RMD's - 2.35M assets

My suggestion would be to keep it simple, super simple. Roll everything that is not in taxable account into Vanguard, into one fund. Either a Wellesley Income fund (35:65) or Target Retirement Income (30:70). That would be Age-10 to Age-5 in bonds, rest into equities. +1 on this. Simple. Understand...
by j9j
Fri Aug 09, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 11370

Re: Critique my exercise routine because it's not working for me

Focus on those compound lifting exercises: 1) Squat 2) Deadlift 3) Bench press 4) Shoulder press 5) Lunges 6) Barbell row Then combine with those exercises in between: 7) Triceps pull-down 8) Biceps curl 9) Flys using cable and free weights 10) Box jump 11) Pull-ups 12) Push-ups 13) Sit-ups 14) Str...
by j9j
Wed Jul 31, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bloomberg: Forget Tech, Medicine Still Pays More
Replies: 124
Views: 10270

Re: Bloomberg: Forget Tech, Medicine Still Pays More

Fyi... The article miserably low balls actual salaries. Physicians and surgeons 200k 😂😂😂 more like 350k general surgeons, 380-400k urologists, 420-450k orthopedic surgeon, 650-750k neuro surgeons, 450-550k vascular surgeons, 350k emergency physicians, 380k anesthesioloogists, 220 family medicine, 2...
by j9j
Mon Jul 22, 2019 11:55 am
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 190
Views: 24909

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Not to hijack, but I got a mailer for a $500 bonus for opening a savings account with Wells Fargo in branch with at least $20k. I cannot find a mention of this promotion being mentioned anywhere on the entire internet...it's always for checking only. Thing nice about savings is no direct deposit re...
by j9j
Fri Jul 19, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 190
Views: 24909

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Seemed like worthwhile enough deal. I opened account(super easy and no hardpull) and funded, seems interest starts immediately. No monthly deposit requirements or debit card transactions required. Just move money in and keep it there at least 90 days. The normal interest is 2.15 currently so that is...
by j9j
Fri Jul 12, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8964

Re: Got mugged in London...Phone stolen...what else do I need to do?

Sorry this happened. Amazing what happens in broad daylight nowadays

Your action list is more than sufficient and most importantly the phone is wiped.

Basically the thief is going to sell it for parts.
by j9j
Tue Jul 02, 2019 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 5704

Re: HCOL vs LCOL Dilemma

Before this thread gets locked. I would not move from SoCal to Dallas and going to $400k to $120ish income. The hit in income and plusses(weather/scenery) of Socal is made up for the decrease in costs. As someone else mentioned, Dallas is highend of MCOL not LCOL. This is coming from a life-long Tex...
by j9j
Fri Jun 28, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Perspective on Company Layoffs
Replies: 27
Views: 2959

Re: Perspective on Company Layoffs

75% cut, wow. The company does seem in downward spiral. The only upside would be if he had a ton of stock and the company turned itself around. I would prepare to be part of next round of layoffs or the company folding. I would not bother talking to HR and new manager is probably too occupied to dea...
by j9j
Thu Jun 20, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL
Replies: 6
Views: 622

Re: 2017 Ridgeline RTL-E back to 2015 Golf TDI SEL

Agree with the recommendation for a new Golf instead of a 5year old model. Too many incentives to look at used.
by j9j
Mon Feb 18, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Easiest Way to Give $100k Cash to Non-Family Member
Replies: 62
Views: 5646

Re: Easiest Way to Give $100k Cash to Non-Family Member

hmm, nice thought but hard to see it go well. Maybe set aside the money for an Uber/Lyft bucket?
by j9j
Mon Feb 18, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Moved to new state/job 6M ago. Previous employer wants me back!
Replies: 57
Views: 6036

Re: Moved to new state/job 6M ago. Previous employer wants me back!

Give your new job and your family at least 6 more months. A good chance that old job wont look appealing at all.

PS - Texas is a nice place
by j9j
Thu Nov 29, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3582

Re: Dual Monitor Set up

I do what you describe quite a bit for work. It works fine. A true dual monitor would be a bit better as with one monitor, an app window overlaps the video window window inadvertently. I use dells software that auto snaps windows but not as good as putting all the productivity apps in a totally sep...
by j9j
Wed Nov 28, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3582

Re: Dual Monitor Set up

For those with a single ultrawide monitor... curious to know what your experience is with video conferencing (ie: Webex, GoToMeeting, Skype)? We do a lot of webex (at least 2-3 sessions a day) and at work, I have two 24" monitors that I display/share one screen and multitask on the other. At home, ...
by j9j
Wed Nov 28, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3582

Re: Dual Monitor Set up

I bought a new monitor recently. My old monitor was a ten-year-old 1680x1050 resolution one that I used in portrait mode 99% of the time. For almost all computer uses, I find portrait better than landscape. (I don't use monitors for games or watching video.) I looked at various widescreen options f...
by j9j
Tue Nov 27, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3582

Re: Dual Monitor Set up

+1 for the 34 inch ultrawide suggestions. I have used quite bit of monitors over time and never got used to dual monitors a specific use case. For general use, i found myself turning head back and forth too much leading to eyestrain. For almost a decade i used a Dell 30inch 2560x1600 monitor. When i...
by j9j
Sat Jul 21, 2018 9:05 pm
Forum: Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 15002

Re: Should I Dump a Pile of Money on Young Son?

Sounds like a nice, humble son. Congrats on parenting. I would not want put the 1m burden on him. He has an intense(and guaranteed) career path and is still single. Money WILL attract wrong acquaintances and worse, maybe the wrong spouse. That being said, I would talk to an expert that can minimize ...
by j9j
Sat Jun 23, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 18753

Re: 4K Computer Monitors: 27 vs 32 inches?

I had the exact same dilemma and still have it to some extent. I have used both displays. The Apple 27 Thunderbolt display has a resolution of 2560x1440(1440p for short). The LG 5k connected to the Mac will have a native resolution of 5120x2880. Apple OS by default pixel doubles to to effectively pr...
by j9j
Sun Jul 09, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 12556

Re: how to destroy hard disk with personal info

Unless you are a target of a Nation State then physically damaging such as drilling should be a good enough measure.
by j9j
Sun Jul 09, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2176
Views: 379560

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Just reporting that I received the $1k transfer bonus from MerrillEdge. The whole process was very easy. ME makes it extremely easy to transfer assets from other brokerages. I am enjoying the 100 free trades also. Thanks to Lemongrab and other posters for all the detailed information in this thread....
by j9j
Sat May 06, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 904286

Re: What's Your Credit Card Rewards Strategy?

I have been doing a bit on streamlining lately. PreviousIy rotated with Chase Freedom Bonus categories Discover for Bonus Categories Chase United for United spend Chase Ink for Business category spend along with Mobile Fido Visa for General 2% Capital one for Foreign spend along with periodic new ca...
by j9j
Sat May 06, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Taking over lease of Luxury car, good deal? Anything else to know?
Replies: 19
Views: 2506

Re: Taking over lease of Luxury car, good deal? Anything else to know?

As others have pointed out, you have most of the negotiating power. Current deal seems to close to new lease deal from MB. The private seller should be doing a bit more incentives. If seller did not ask for $500, covered any transfer fee and transferred the $600 maintenance plan to you then I think ...
by j9j
Sat Feb 11, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 43
Views: 4996

Re: Preferred "disk cloning" software?

Clonezilla sounds like something to checkout. I have used Macrium Reflect free version and it worked fine the times I have used it. It does have a slight learning curve on how to set boot drives. Acronis is a great paid tool. I winded up buying it as it good value in auto backup/cone on installed ma...
by j9j
Sat Feb 11, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 62013

Re: USAA 2.5% Cash Back Credit Card

Nice, I wish I was eligible to join USAA. My primary is FIDO 2% and I switch around between Discover, Amex, Chase Ink and CAP1(no FOREX) depending on the purchase. Since travel rewards are not as important to me, this USAA card would be the best simplify everything card.
by j9j
Mon Dec 26, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Apple TV: Third Generation vs. Fourth Generation
Replies: 4
Views: 1036

Re: Apple TV: Third Generation vs. Fourth Generation

Has the airplay function improoved from 3rd to fourth gen. Improved as in is it more robust. I use that quite a bit on my 3rd gen and Iphone/Ipad. When it works it is great. When it glitches it is a pain as I usually have to exit and try restarting a few times.
by j9j
Mon Dec 26, 2016 4:41 pm
Forum: Personal Consumer Issues
Topic: Should I Buy an IPhone 5S?
Replies: 36
Views: 4407

Re: Should I Buy an IPhone 5S?

From what you have posted, the Iphone SE would be a good fit. It retains the size form factor of the Iphone5S and it has the same processor/gpu/camera as the Iphone6S so it should run Apple software(and updates) at least as long as the Iphone6S line of phones. The 6S and SE processor is substantiall...
by j9j
Mon Dec 26, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 4818

Re: Vacationing in Spain - how to pay for things?

After several trips to europe, here is some tips I follow. 1. Definitely carry some cash. I find Europe more tuned to cash transactions, especially smaller more boutique shops and small restaurants. Having cash makes the transaction smoother, versus the vendor trying to make their seldom used CC mac...
by j9j
Tue May 10, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 9490

Re: Thinking about Mac (vs Windows)

Slightly different take. If you are considering a laptop then definitely a retina Macbook. That screen(perfect scaling) and trackpad are the best out there. Ever since MSFT threw privacy out the window with Windows 10 I am liking MacOS more. I still have windows desktop for VMs/Storage but switched ...
by j9j
Sat Oct 24, 2015 2:00 pm
Forum: Personal Consumer Issues
Topic: Windows 10 from 8.1. Do I REALLY Want To Do This?
Replies: 31
Views: 3751

Re: Windows 10 from 8.1. Do I REALLY Want To Do This?

Windows 7 was a great interface. I actually think XP is the best overall but Windows 7 updates made sense. Windows 8.1 interface was too drastic. I winded using it as it did have substantial performance improvements over windows 7. The upgrade process to Windows 10 is pretty smooth but the interface...