Search found 370 matches

by mpsz
Sun Nov 17, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 15
Views: 1374

Re: Good DNS to use?

I like and use Quad9: https://www.quad9.net/ 9.9.9.9 149.112.112.112 Free and sponsored by a few industry companies (IBM, packet clearinghouse). It blocks known threat domain names so I guess if some thing on my network gets compromised, maybe it won't be able to phone home to its control servers (...
by mpsz
Mon Nov 11, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2280

Re: Tech guys need help with Mesh wifi booster...

Other things to consider- you might want in your install to include a password free guest wifi account so you don't have to share your password. Most mesh networks allow you to do that. Separate guest network is a good idea, but always password protect all WiFi networks. You can be liable if your c...
by mpsz
Wed Oct 30, 2019 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Platinum Card - Review?
Replies: 47
Views: 2825

Re: AMEX Platinum Card - Review?

I found Uber credits to be difficult. I am in NYC so rarely use Uber in general but when I do, with all the new surcharges, it always come out to be more than $15 (closer to 20 most of the time) even for short distances in Manhattan. And I find it very annoying that then I would have to add the min...
by mpsz
Sun Oct 27, 2019 7:02 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 11119

Re: Wealthfront now offers 2.51% APY

I'm one of the folks who jumped on this when it was new... Has anyone else noticed that every month, your funds have been moved to a different partner bank? In August my funds moved from CrossFirst to Wells Fargo, in September they moved from Wells Fargo to TriState. Am I overreacting by being a bit...
by mpsz
Sat Oct 19, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8246

Re: Wallets

I use a card wallet. I carry 6-7 payment cards for various purposes (different reward categories, business CC, authorized user, etc), health insurance card, driver's license, and $60 cash. I keep those cards, plus a few more in Apple Pay. I am not a fan of phone wallets because it would be exponenti...
by mpsz
Sat Oct 05, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with paper EE bonds with elderly parent
Replies: 21
Views: 1826

Re: Dealing with paper EE bonds with elderly parent

I know this is an old thread, but I had the same question and was wondering about the mechanics of working with Treasury Direct. I have a similar situation, my grandmother is in her mid 90's and does not use a computer. She has a large pile of EE bonds that are maturing, and her credit union does no...
by mpsz
Fri Oct 04, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: Outgoing mail (package) in mailbox?
Replies: 15
Views: 1368

Re: Outgoing mail (package) in mailbox?

Yes, the carrier will pick it up. However, theft of outgoing mail from mailboxes, particularly where the red flag is raised, is not uncommon. I put nothing valuable and nothing important in my mailbox for pickup by the carrier. Better to swing by the post office or drop it in one of their boxes. Ag...
by mpsz
Fri Oct 04, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 16029

Re: How many are switching from Fidelity?

It's only been a few days. I would imagine that Fidelity will drop their trading fees in the very near term as well.
by mpsz
Fri Oct 04, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: burner phone for failing iphone?
Replies: 18
Views: 1700

Re: burner phone for failing iphone?

Personally, I would buy a battery case like https://www.amazon.com/dp/B07R8TTRPF/ (not endorsing or recommending this particular one) instead of switching phones twice in a few months.
by mpsz
Sat Sep 28, 2019 10:11 pm
Forum: Personal Investments
Topic: How do early retirees survive bad markets?
Replies: 26
Views: 5003

Re: How do early retirees survive bad markets?

Let's say you need $10,000 and have $50,000 in a taxable account invested in stocks, and another $50,000 in your 401k invested in bonds. The stock market drops by 50% and bonds stay the same -- so you have $25,000 in your taxable account and still have $50,000 in your 401k. You can sell $10,000 in s...
by mpsz
Sat Sep 28, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: How much cash do you keep in your HSA?
Replies: 63
Views: 4851

Re: How much cash do you keep in your HSA?

Between $0 and ~$4,000. I contribute to my employer's crap HSA plan and rollover once every 13-14 months to my main HSA, currently at Fidelity. That Fidelity HSA is 100% invested.
by mpsz
Tue Sep 24, 2019 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Pay off Phone Bill via Amex Platinum or Debit Card?
Replies: 33
Views: 1869

Re: Pay off Phone Bill via Amex Platinum or Debit Card?

$300 would earn you 300 Membership Rewards points. $5 / 300 = 1.6667 cents. If you value a Membership Rewards point at more than 1.6667 points use the Amex. Otherwise, take the discount. Normally, you can get both by setting the auto-pay to charge the credit card. Not on Verizon. It must be a debit ...
by mpsz
Mon Sep 16, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: HR pro's: who pays 401k plan setup fees?
Replies: 7
Views: 690

Re: HR pro's: who pays 401k plan setup fees?

My current employer has always passed fees of this type on to the employee in some form or another... such as having to pay a 401k distribution fee when they change plan providers, paper check issuance fees to switch HSA providers, etc. I have not seen a setup fee, though. My personal feeling is tha...
by mpsz
Sat Aug 03, 2019 7:39 am
Forum: Personal Investments
Topic: Young with large windfall - would appreciate input on nuanced investment plan
Replies: 14
Views: 3498

Re: Young with large windfall - would appreciate input on nuanced investment plan

5. Final question - how can I get FDIC protection on the cash while I'm DCAing? From my understanding it's limited to $250k per institution. Does this apply for a Vanguard MM fund as well? Look into sweep accounts. Basically, you open an account and make all of your transactions with one bank. Over...
by mpsz
Wed Jul 24, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Where should I open my HSA? Fidelity?
Replies: 20
Views: 1072

Re: Where should I open my HSA? Fidelity?

I contribute to my employer's HSA provider, whoever that may be at any given time (seems to change annually) solely for the cafeteria plan tax breaks (not subject to income or FICA taxes)... and then roll over annually to Fidelity to invest the funds. My HSA account is at Optum. Have had it there fo...
by mpsz
Sat Jul 20, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to using 'trusted contact' feature for financial accounts?
Replies: 17
Views: 1709

Re: Any downside to using 'trusted contact' feature for financial accounts?

I just discovered the 'trusted contact' option/feature that is now available on several of my financial accounts. Shame on me :shock: , it's apparently been around for a year or two, but I'm just noticing now that it's there. Looks like a good thing to do, initial feedback I've found suggests posit...
by mpsz
Sat Jul 20, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries at Marcus/GS Bank? (Cannot specify percentages or primary/secondary).
Replies: 8
Views: 566

Re: Beneficiaries at Marcus/GS Bank? (Cannot specify percentages or primary/secondary).

+1, change banks. This is such a standard thing that it's really ridiculous it's not available. Some alternatives... I use the Wealthfront Cash account (2.57% interest... for now) and Alliant CU for HYSA. Both let me define a percentage for beneficiaries. SoFi Money doesn't let you set beneficiaries...
by mpsz
Sat Jul 20, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9125

Re: Do you buy cellphone outright or pay over 2 years?

I get the latest iPhone each year... one of a small handful of indulgences I enjoy outside the Bogleheads philosophy. I'm a tech/gadgets guy, software engineer by trade, etc. I'm on Apple's iPhone Upgrade Program. Costs me the same to finance versus buy outright, and I have the option of trading in ...
by mpsz
Tue Jul 16, 2019 7:08 pm
Forum: Forum Issues and Administration
Topic: Length Limit on Quotes
Replies: 16
Views: 1703

Re: Length Limit on Quotes

I agree with this idea... quotes are certainly useful for context but there are certain abuses that occur pretty frequently. For example, if you are the second post in a thread, you do not need to quote the OP. Very frustrating when it's a long post. Some forums "fold" the quote... it shows as maybe...
by mpsz
Thu Jul 11, 2019 10:00 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 11119

Re: Wealthfront now offers 2.51% APY

With other online banks like Marcus and Purepoint dropping rates, how long will Wealthfront keep it's 2.57% rate ? I enjoy it while it lasts. +1. I think Wealthfront will keep rates higher than competitors for the next few months since they're promoting this new product. IMO raising the rate from 2...
by mpsz
Thu Jul 11, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Voya Financial roll over process
Replies: 8
Views: 966

Re: Voya Financial roll over process

This was my experience doing a rollover from a different 401k a few years ago... seems pretty standard, unfortunately. Long wait time to get a paper check that you have to then turn around and mail again. Contact the IRA provider to see if the process can be initiated from their side... I haven't ev...
by mpsz
Thu Jul 11, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pay Bank of America Credit Card from Another Bank?
Replies: 15
Views: 1380

Re: Pay Bank of America Credit Card from Another Bank?

Use your new bank's bill pay. If you want automatic bill pay, you should be able to receive BofA eBills at your new bank within their bill pay software. Word of warning if you set up autopay on the BofA side: Bank of America had an old system where they would just pull money from your checking accou...
by mpsz
Thu Jul 11, 2019 9:14 pm
Forum: Personal Investments
Topic: Portfolio Review - Tightening Up - $140K Cash
Replies: 17
Views: 1594

Re: Portfolio Review - Tightening Up - $140K Cash

Does that $140k in cash include your emergency funds? If so, not sure I would make any changes, that's ~7.5 months of earnings.

If you really want to... paying maybe ~$20k towards your mortgage principal is a good option... 4.75% returns.
by mpsz
Thu Jul 11, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8515

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

2. On iCloud reported phone as a Lost. Apple support indicated that this deactivates the phone, erases everything, and makes it useless to anyone except me. Do all iPhones have this feature? (I have an iPhone 7+) Your iPhone 7 has this feature if you use iCloud and have enabled Find my iPhone. http...
by mpsz
Sat Jul 06, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 11
Views: 904

Re: Closing my oldest credit card

Thanks all... seems like consensus is it won't make a big difference. I'll close it. Bank of America is also my oldest card - from 1994! (I am guessing from your post that perhaps B of A was as vigilant with their freebie offers on college campuses in 2008 as they were back in 1994, haha.) That's pr...
by mpsz
Sat Jul 06, 2019 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 11
Views: 904

Closing my oldest credit card

I'm getting very frustrated in dealing with Bank of America and am looking to totally sever all ties. The only reason I've remained a customer is because my oldest credit card is here. Without going into specifics, I had a very bad experience with their customer service where I've already spent 6 ho...
by mpsz
Sat Jul 06, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Performing frequent ACATS question
Replies: 9
Views: 505

Re: Performing frequent ACATS question

- Brokerages freezing your account because this is not typical behavior. What are you hoping to accomplish? Many brokerage firms frequently offer asset transfer bonuses. The bonuses mostly require that you keep the assets with the new brokerage for a specified time. 6 months seems common but 90 day...
by mpsz
Sat Jul 06, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Performing frequent ACATS question
Replies: 9
Views: 505

Re: Performing frequent ACATS question

- Brokerages freezing your account because this is not typical behavior.

What are you hoping to accomplish?
by mpsz
Sun Jun 30, 2019 8:10 am
Forum: Personal Investments
Topic: Where to park down payment savings for 18 months
Replies: 9
Views: 749

Re: Where to park down payment savings for 18 months

Rates are starting to drop on money markets, savings accounts, etc. so I'd rule that out if you're absolutely sure you won't buy in less than 18 months.

I'd just open a CD. For 18 months, in my experience this is a sweet spot for teaser rates, so make sure you shop around and check your local banks.
by mpsz
Sun Jun 30, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: New Landlord Here! Your Top Tips to include in a Lease?
Replies: 52
Views: 4530

Re: New Landlord Here! Your Top Tips to include in a Lease?

I'm not a landlord, but as a tenant, one of the worst things I've had to deal with in my apartment is when people in other units flush junk down their toilets and pipes get clogged. Our fresh water has to be turned off because there's nowhere for the wastewater to go while repairs are being made. Th...
by mpsz
Sun Jun 23, 2019 10:37 am
Forum: Personal Investments
Topic: Emergency Fund AA
Replies: 18
Views: 1564

Re: Emergency Fund AA

3 months expenses in Rewards Checking - 3.00% APY 2 months in iBonds - either in one shot or 5k per month consecutive. 3 months short-term CDs - 2.2-2.6% 4 months either Ally Savings or VMMXX Looks good, just remember that I bonds are totally illiquid for the first 12 months. I don't believe there ...
by mpsz
Sun Jun 23, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Marriott Bonvoy Bold Card
Replies: 9
Views: 979

Re: Marriott Bonvoy Bold Card

What do you value a Marriott point at? For me, I consider it to be worth less than 1 cent based on my experience redeeming them. Seems like the consensus between credit card bloggers is somewhere between 0.9-1.1 cents. I would not personally get this card. A few other options to consider: The $95 ca...
by mpsz
Sat Jun 22, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8434

Re: How do you approach tipping at carry-out restaurants

I'll tip at some locally-run places, like a lunch place near my office. They're reasonably priced and very popular because the food is exceptional for the area. I'll hit the 15% button on the signature screen without a second thought. Our go-to pizza place is priced on the high end of what's reasona...
by mpsz
Fri Jun 21, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Getting my own Chase Sapphire Reserve or added as authorized user?
Replies: 23
Views: 2088

Re: Getting my own Chase Sapphire Reserve or added as authorized user?

These sign up bonuses aren't just handed out for signing up. In the case of the CSR card you need to put at least 4k on the card in the first three months after you activate it. That's true and difficult for many of us. I'm struggling to meet the $2k/3mo requirement for a card now. At some times of...
by mpsz
Wed Jun 19, 2019 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Getting my own Chase Sapphire Reserve or added as authorized user?
Replies: 23
Views: 2088

Re: Getting my own Chase Sapphire Reserve or added as authorized user?

Good advice from oxothuk. Re: the "restaurant lounge" thing -- AmEx recently dropped this benefit and restricted priority pass to actual lounges only. Chase said they are not planning to "make changes at this time" (paraphrasing). I'd expect Chase to drop this in the next 12 months (pure speculation...
by mpsz
Wed Jun 12, 2019 10:42 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1066
Views: 104860

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I just transferred my Lively HSA to Fidelity. Does anyone know if the HSA statement will consolidate with my main Fidelity statement that has all of my other accounts? It did not last month, but I'm not sure if it because it's a new account or was unfunded at the time the statement cut.
by mpsz
Wed Jun 12, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: pc remote viewing software like teamviewer?
Replies: 10
Views: 585

Re: pc remote viewing software like teamviewer?

TeamViewer was breached in 2016 and covered it up until earlier this year, use caution. https://www.bleepingcomputer.com/news/security/teamviewer-confirms-undisclosed-breach-from-2016/ I like the idea of using Google Hangouts, Slack, Zoom, etc. I use these three at my day job all the time and they w...
by mpsz
Wed Jun 12, 2019 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5943

Re: How much is your guys’ fees for your 401k?

$0 or 0.25% annually (charged monthly). Seems like they switch between charging a fee or not a few times a year, I don't get it.
by mpsz
Wed Jun 12, 2019 10:21 pm
Forum: Personal Investments
Topic: Best HSA account as of June 2019?
Replies: 14
Views: 1273

Re: Best HSA account as of June 2019?

I finally got my HSA moved over to Fidelity a few days ago. I feel like this account is "home" now and I can finally stop worrying about this account. I've been through a nightmare of probably 6-8 different custodians... 4 of them via my same employer in 3 years (!!!), then I opened my own HSA at Al...
by mpsz
Tue Jun 04, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 43
Views: 4133

Re: PSA - Chase CC Significant Change of Terms - Forced Arbitration

There's at least another thread out there about this.

In short, you can opt out... but there's mixed responses and data points saying that Chase will close your account at your next anniversary date.
by mpsz
Tue Jun 04, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Propel American Express Card, Odd Couple???
Replies: 7
Views: 665

Re: Wells Fargo Propel American Express Card, Odd Couple???

I don't have one of these... but while most people think of AmEx as an issuer/servicer, but they also operate a card network similar to Visa and MasterCard. For example, AmEx themselves issue the Delta, Hilton, Schwab, partner cards (and a few others). You go to americanexpress.com to mange your acc...
by mpsz
Sat Jun 01, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Cashback cards - what's left for me?
Replies: 29
Views: 2818

Re: Cashback cards - what's left for me?

This site tracks the latest offers... it's sort of the HQ for this hobby: https://www.doctorofcredit.com/best-current-credit-card-sign-bonuses/ If you're willing to spend $3,000 in 3 months, it opens up a lot more options. I bank at BofA so I kept the BofA card (I actually have 2 BofA cash rewards c...
by mpsz
Sat Jun 01, 2019 8:01 am
Forum: Investing - Theory, News & General
Topic: Does one need a bank account anymore?
Replies: 60
Views: 4726

Re: Does one need a bank account anymore?

I keep a local bank for safe deposit box and occasional cashier's checks or cash deposits. I'm learning from this thread that it's getting easier to get a cashier's check online, so that's good to know. I help an elderly relative with her finances, and redeeming paper US Savings Bonds is another rea...
by mpsz
Thu May 30, 2019 9:14 pm
Forum: Personal Investments
Topic: Vanguard transition
Replies: 12
Views: 1955

Re: Vanguard transition

Some have mentioned they had to reestablish banking links after transfer. When we transferred the rep set up everything for us, so we had no issues. If you are concerned, a call to Vanguard might end up with them doing everything for you. Broken Man 1999 I still contribute straight from my Ally acc...
by mpsz
Thu May 30, 2019 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How to do a check deposit with your cellphone app
Replies: 14
Views: 1429

Re: How to do a check deposit with your cellphone app

Some like Wells Fargo seem to have a $2500 daily limitation. Is there a workaround when the check is more than that? Some like Capital One don't allow you if you are outside US. Doesn't work even with VPN. Any other setting I should change? The workaround is to change banks... many out there have $...
by mpsz
Thu May 23, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: How Do You Organize Your Flash Drives?
Replies: 39
Views: 2901

Re: How Do You Organize Your Flash Drives?

+1 for using a proper external or network drive.

Lots of flash drives are built using lower quality flash memory. I've personally experienced a few failing on me... never lost a single hard drive or SSD.
by mpsz
Thu May 23, 2019 2:50 pm
Forum: Personal Investments
Topic: Should I rollover my 401k from old megacorp to new megacorp?
Replies: 36
Views: 2188

Re: Should I rollover my 401k from old megacorp to new megacorp?

My preference is to roll all money out of employer-sponsored plans as soon as possible... unless you have a good reason not to, such as being unable to have a tIRA/rolloverIRA because of backdoor Roth contributions. This protects against shenanigans that your employer is legally allowed to do... hig...
by mpsz
Mon May 20, 2019 11:23 pm
Forum: Personal Investments
Topic: Is there a way to get monthly statements from Vanguard retirement accounts?
Replies: 3
Views: 547

My understanding is you'll get a monthly statement if there's any activity on your account. Automatic investment, settlement fund interest, bond fund that pays monthly dividends, etc.

Everyone gets a quarterly statement even if your account is inactive.
by mpsz
Mon May 20, 2019 5:22 pm
Forum: Investing - Theory, News & General
Topic: Lively HSA: "no activity... acct will be closed..."
Replies: 8
Views: 1109

Re: Lively HSA: "no activity... acct will be closed..."

Makefile wrote:
Mon May 20, 2019 4:45 pm
On this topic, though, has anyone had a Lively account long enough to know when they get around to posting form 5498-SA? Waiting on mine as I did a rollover and want to make sure it posted correctly.
I got mine in the mail today.
by mpsz
Mon May 20, 2019 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can you guys find anything that beats sofi money checking account?
Replies: 22
Views: 3187

Re: Can you guys find anything that beats sofi money checking account?

Hmm is that review true? Is There Any Concerning Fine Print? The only concerning fine print with SoFi Money is its withdrawal limits. You can never take out more than $610 from an ATM in a day and you can only do $250 worth of peer-to-peer transfers in a day. If you’re the type that wants to withdr...