Search found 306 matches

by mpsz
Tue Feb 12, 2019 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Multiple credit card fraud instances
Replies: 9
Views: 732

Re: Multiple credit card fraud instances

Often it is difficult to pinpoint the point of origin of a cc breach, I wouldn’t be overly concerned just yet. Be sure to shred your cc statements and be on the lookout for skimmers. https://upgradedpoints.com/how-to-prevent-credit-card-fraud/ A better solution is to go paperless and not get cc sta...
by mpsz
Fri Feb 08, 2019 12:47 pm
Forum: Personal Investments
Topic: Emergency Fund Plan Help
Replies: 5
Views: 443

Re: Emergency Fund Plan Help

MM funds are outperforming online savings accounts right now but not by much. The reverse might be true in 6 months. This is a really good point that I'd like to second. Remember that within the last two years, VMMXX was paying 0.01% while HYSA's were paying > 1%. I'd choose a HYSA that has proven ...
by mpsz
Tue Jan 22, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: cash-back credit card with automatic redemption
Replies: 19
Views: 1244

Re: cash-back credit card with automatic redemption

My Capital One Savor card has the option to do this at $25, but I've always redeemed manually once I see the balance above ~$10 or so. I don't know if it actually works as described. 4% cash back at restaurants with a $95 annual fee. I think my Quicksilver card had the option to do this too (flat 1....
by mpsz
Sat Jan 19, 2019 6:13 pm
Forum: Personal Investments
Topic: 2018 Vanguard Roth IRA is $0.08 short
Replies: 11
Views: 1085

Re: 2018 Vanguard Roth IRA is $0.08 short

I ran into this in 2017 and it bothered me too. It's easier now that the limit is $6,000 -- just enter the amount for automatic to $500/mo.
by mpsz
Thu Jan 17, 2019 9:33 am
Forum: Personal Investments
Topic: Does anyone have entire 401K in bonds?
Replies: 56
Views: 5709

Re: Does anyone have entire 401K in bonds?

I have all of my bonds in my 401k, but my 401k is still mostly stock by a narrow margin.

In my opinion, high-growth assets like stocks belong in a Roth IRA. My Roth is 100% stock.
by mpsz
Wed Oct 24, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Provider Change - 25 days in cash?!
Replies: 29
Views: 2016

Re: 401(k) Provider Change - 25 days in cash?!

I had a 1 week hold once. I took all my bonds in my other retirement accounts and moved them stocks during the hold period and had the hold funds move to bonds when they freed up. this kept my AA close to target through the transition. that may be possible for you. bonds equal cash for this exercis...
by mpsz
Sat Oct 20, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Protecting large sums of cash.
Replies: 30
Views: 4072

Re: Protecting large sums of cash.

People have mentioned CDARS. There is a sister product called ICS (Insured Cash Sweep) that works the same way but is a demand deposit: https://www.insuredcashsweep.com/ Basically, these sweep your deposits to other banks where they are held on your behalf and each sweep bank comes with an additiona...
by mpsz
Sat Oct 20, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Rule of thumb for how much to spend on rent?
Replies: 24
Views: 2395

Re: Rule of thumb for how much to spend on rent?

30% of net is a good place to start, but this is not a one-size fits all rule. When I say net, I mean that you should be contributing at least 15% to your 401k before calculating this number. I am currently spending 25% of my net, after maxing 401k and HSA. When I was fresh out of college (within t...
by mpsz
Wed Oct 10, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: Google's Titan Key for 2fa
Replies: 23
Views: 2299

Re: Google's Titan Key for 2fa

Interesting that you mentioned browsers. I thought I would test another "computer" by signing in via another browser, but it would not work. It kept saying something like "There's a problem. Want to try again?" I gave up and tried the same browser, but this time on a tablet. This time it wouldn't e...
by mpsz
Wed Oct 10, 2018 7:44 pm
Forum: Personal Investments
Topic: What did you buy today
Replies: 119
Views: 9168

Re: What did you buy today

My company paid for lunch today, so I didn't spend a single dollar on anything at all today. It's just a 3% drop.
by mpsz
Wed Oct 10, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1217

Re: Do you use your own cards for work travel?

I work for a small company of about 100 people, and I use my personal card for just about everything... if one of my direct reports or I need computer equipment, almost all travel, etc. The person who signs my reimbursement checks is right down the hall and will bring a reimbursement check over usua...
by mpsz
Mon Oct 08, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Smarthome system that is local
Replies: 17
Views: 1423

Re: Smarthome system that is local

Check out Home Assistant https://www.home-assistant.io/
by mpsz
Wed Sep 26, 2018 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to charge much higher than Credit Card Limit
Replies: 44
Views: 4227

Re: How to charge much hire than Credit Card Limit

I would not attempt to cycle 20x my credit limit in the span of 2-3 months. That's an excellent way to get all of your accounts with a bank closed and possibly a lifetime ban, even if the charges are legitimate, due to anti-money laundering laws. The last time I looked into paying taxes with a credi...
by mpsz
Wed Sep 26, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: 2011 Nissan Altima - Transmission Failure
Replies: 20
Views: 1373

Re: 2011 Nissan Altima - Transmission Failure

The Nissan Altima has a CVT. If you search online for "Nissan CVT problems", you'll find many others with similar problems. My 2008 Altima was having transmission issues when I got rid of it around 95k miles. My 2016 Altima just got a new transmission not even a month ago (under warranty) at under 4...
by mpsz
Sun Sep 23, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Best/worst flavors of Gatorade/Powerade
Replies: 25
Views: 1876

Re: Best/worst flavors of Gatorade/Powerade

Blue.

(I think the actual name is "Cool Blue")
by mpsz
Sun Sep 23, 2018 6:08 pm
Forum: Personal Investments
Topic: How much is too much in one stock?
Replies: 13
Views: 1599

Re: How much is too much in one stock?

I personally would not have more than 10% of my total portfolio in individual stocks, and not more than 5% in any one individual stock.
by mpsz
Sun Sep 23, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon
Replies: 21
Views: 2625

Re: How to Get Rid of My Unauthorized “Two Year Contract” With Verizon

Since then I’ve contacted Verizon via chat, Twitter and phone, in that order. Each time they assured me this was being “expedited” to be investigated and resolved. The phone rep told me that my conversation with the rep in June had been recorded, and they would listen to this to determine what had ...
by mpsz
Sun Sep 23, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9616

Re: Physical Banking - Any benefits anymore?

This week I talked about banking with my German students and most said they haven't seen a paper check in over 20 years. They were a bit amused and surprised that Americans actually still write checks . I've only used on-line banking since I've lived in Germany. Which Americans are you speaking of?...
by mpsz
Wed Sep 19, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 142
Views: 9616

Re: Physical Banking - Any benefits anymore?

Getting a cashier's checks same day.
Cash deposits -- some online banks have a mechanism for depositing cash, but the vast majority do not.
Cash withdrawals above the typical $500 limit.
Safe deposit box.
by mpsz
Sat Sep 01, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1187

Re: Do you take advantage of all identity monitoring offers?

I just use credit monitoring features from my banks... in my opinion Capital One's CreditWise feature is especially good. It's emailed me within minutes of opening a new account before. I also pull my reports annually and likewise have all bureaus frozen. I signed up for AllClearID which is what was...
by mpsz
Sat Sep 01, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 31499

Re: Umbrella insurance..who has it? Is it recommended?

I have always understood to buy an amount that is equal to your assets. In my experience the insurance is very low cost. I've read this in other threads on BH, but later someone usually offers a counterexample along the lines of: if you have $1MM in assets and buy a $1MM policy, you can still lose ...
by mpsz
Sat Sep 01, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Working for a municipality
Replies: 26
Views: 2563

Re: Working for a municipality

The thought of working for a municipality has always interested me, mostly because I love the culture of small/mid sized towns, and serving others is rewarding. It may be different for upper management, but I worked for my local library in when I was a high school student. It was a upper-middle cla...
by mpsz
Sat Sep 01, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1258

Re: Auto Renewals

+1 for using temporary credit cards. Bank of America and Capital one offer this, among others. There's also privacy.com Some states were considering legislation for this, where if you were able to sign up online, you must be able to cancel online. There's still tricks the companies can pull, but not...
by mpsz
Wed Aug 29, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12380

Re: How do you 7 figure guys organize multiple accounts?

Since we're on the topic of aggregators, it's important to note that OAuth access is coming soon. Some banks, most notably Chase, already use it with Mint. The way it works is you'd go to Mint, select Chase as a bank that you want to add, Mint would redirect you to Chase, you enter your password on ...
by mpsz
Wed Aug 29, 2018 6:54 am
Forum: Personal Consumer Issues
Topic: Negotiating with XM
Replies: 27
Views: 2685

Re: Negotiating with XM

Say that you "saw an ad online" for 6 months for $30.

I no longer subscribe to Sirius but this worked for about 2+ years. They might say something like "this offer is only good once" but they usually give it to you anyway if you sound like you're pondering cancelling.
by mpsz
Mon Aug 27, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3301

Re: How often do you change your HVAC filters?

My current apartment changes it annually in late August. Each June, my air conditioner will stop pushing any air (AC core frozen?) despite the fan running at max speed, and I need to complain multiple times to get it changed (I can see the dirty filter, but cannot access it). I hate to think how man...
by mpsz
Mon Aug 27, 2018 5:47 pm
Forum: Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5742

Re: Is Treasury Direct worth the hassle?

There is no MFA. There is in fact two-factor authentication. They call it a One Time Passcode . It's email based, so less secure than some other methods, but to say there isn't any at all is an error. PJW You're correct... I haven't signed in to TD in a while. I've updated my post. :oops:
by mpsz
Fri Aug 24, 2018 5:22 pm
Forum: Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5742

Re: Is Treasury Direct worth the hassle?

It's not worth it to me, unless you really need to buy I-Bonds. I'm currently happy enough with T-Bills, so I'm buying those through Fidelity and unwinding my TD holdings. Posts like this one concern me: https://www.bogleheads.org/forum/viewtopic.php?t=225415 In general, I think their online securit...
by mpsz
Tue Aug 14, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 4165

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

Very happy with Fidelity CMA, which I use now. I've used Schwab checking in the past and it was fine. I agree that Vanguard Advantage is not competitive.
by mpsz
Tue Aug 14, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Adult piggy bank
Replies: 54
Views: 4917

Re: Adult piggy bank

I have a decorative coffee mug that's not practical to drink out of that I use as my "piggy bank". I think there's about $8 in there from the last 10 years.
by mpsz
Sat Aug 11, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7006

Re: Paper checks yes or no?

Yes, paper checks are still useful. I only wrote four checks last year — two for state/local taxes to avoid convenience fees (I refuse to pay for their convenience of not needing to process a paper check), and two gifts. I still keep a stock of checks in the house but the box of 120 checks will last...
by mpsz
Thu Aug 09, 2018 8:00 am
Forum: Personal Investments
Topic: Best HSA w/ Vanguard
Replies: 6
Views: 963

Re: Best HSA w/ Vanguard

The HSA's that let you "invest with Vanguard" do so by letting you hold Vanguard funds through their brokerages. I am not aware of any that use Vanguard Brokerage as their investment platform. HSA Bank and Lively are two companies who offer HSA accounts with a TD Ameritrade brokerage account attache...
by mpsz
Sun Aug 05, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Earn 1.5% on your checking account without the usual hoops (at Fidelity)
Replies: 72
Views: 12255

Re: Earn 1.5% on your checking account without the usual hoops (at Fidelity)

For those mentioning fraud concerns, you also need to make sure that margin is disabled on your brokerage account. I believe Cash Manager will first use your available brokerage cash, then sell money market funds, and finally withdraw on margin. So putting your "not available for spending" cash into...
by mpsz
Tue Jul 31, 2018 10:20 pm
Forum: Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3282

Re: Park more than $250,000 in cash

If you want FDIC insurance with simplicity and the most liquidity, look into Fidelity's Cash Management Account (CMA). The CMA uses 5-10 other banks under the hood (you ONLY deal with Fidelity) and pays 0.53% on amounts over $100k. Other brokerages offer similar accounts but Fidelity's is the best ...
by mpsz
Tue Jul 31, 2018 8:47 pm
Forum: Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3282

Re: Park more than $250,000 in cash

If you want FDIC insurance with simplicity and the most liquidity, look into Fidelity's Cash Management Account (CMA). The CMA uses 5-10 other banks under the hood (you ONLY deal with Fidelity) and pays 0.53% on amounts over $100k. Other brokerages offer similar accounts but Fidelity's is the best I...
by mpsz
Thu Jul 26, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Out of pocket max reached on one plan. New job offering different plan starting soon.
Replies: 6
Views: 618

Re: Out of pocket max reached on one plan. New job offering different plan starting soon.

At my work yearly to every other year we get a new plan about Nov. Every time they tell us to turn in the last eob to carry our opm over into the new plan (often a totally different company) so I know there is some transferabiltiy if you have been continually covered Same here -- my employer very a...
by mpsz
Tue Jul 24, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 2263

Re: Best Banks 2018

Alliant Credit Union You can even deposit cash at partner atm locations (this is what makes it better than Ally). Its a pita to get signed up but once you do, great app and meets all criteria plus some listed above. +1 for Alliant, who checks all your boxes. I don't recall any issues when joining -...
by mpsz
Sat Jul 21, 2018 9:20 pm
Forum: Investing - Theory, News & General
Topic: Has Vanguard.com ever gone down for an extended period?
Replies: 4
Views: 774

Re: Has Vanguard.com ever gone down for an extended period?

I know for a fact that Schwab and Fidelity have gone down during trading hours on major market events. I'm pretty sure Vanguard did as well but it's less memorable because it doesn't make waves in the same way (eg, Vanguard doesn't really want active traders, so most people don't notice blips). That...
by mpsz
Sat Jul 21, 2018 8:47 pm
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1790

Re: iPhone to Android in 2018...

iOS 12 is supposed to have improved performance over iOS 11, which is a notorious resource hog. It will be release in September, so this could give your iPhone 7 another year or two. I'm using iOS 12 Public Beta on my 8... it's very snappy. My work 8 is already much snappier than my personal 7. Did...
by mpsz
Sat Jul 21, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity cash position
Replies: 55
Views: 8790

Re: Fidelity cash position

You'll likely be downgraded to SPRXX (Fidelity Money Market fund) before the end of the year, if you weren't already.

FZDXX is a Premium Class fund -- which is like Admiral's shares at Vanguard. SPRXX appears to be the equivalent fund but with a higher ER and lower minimum.
by mpsz
Sat Jul 21, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1790

Re: iPhone to Android in 2018...

iOS 12 is supposed to have improved performance over iOS 11, which is a notorious resource hog. It will be release in September, so this could give your iPhone 7 another year or two.

I'm using iOS 12 Public Beta on my 8... it's very snappy.
by mpsz
Sat Jul 21, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: Telemarketing calls from my own prefix
Replies: 57
Views: 5857

Re: Telemarketing calls from my own prefix

I get this a ton on my cell phone. I just don't answer my phone unless I know who's calling.

I CANNOT WAIT until the iPhone treats an incoming phone call as just another notification.
by mpsz
Sat Jul 21, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 2281

Re: Credit Card - Keep Getting Denied

Oh my gosh -- how do I get one of these? No one should ever have a credit card if there is still such a thing as a charge card. What kinda kook wants the privilege of carrying a balance with a usurious interest rate? I mean maybe I'm class-est -- I hope not and mean no offense -- but, really? There...
by mpsz
Sat Jul 21, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 2281

Re: Credit Card - Keep Getting Denied

The Amex is certainly reporting on his credit. Also, Amex doesn't convert charge cards to credit cards. Unless you submitted a new application, you were denied because they do not do this type of card conversion for anyone. Discover will give just about anyone a credit card -- they're popular with c...
by mpsz
Wed Jul 11, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Starbucks Chase Visa cards
Replies: 5
Views: 548

Re: Starbucks Chase Visa cards

Yes, it counts as a hard pull either way. They do not have the information to determine your 5/24 status until after they do the hard pull.

And I agree, this card is a complete joke and not worth the $49 fee or a hard pull.
by mpsz
Sun Jul 01, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4491

Re: Any Reason to Keep My "Landline" Phone?

Never had a landline of my own. My parents still have a landline, but for the sole purpose of letting telemarketers disturb them at dinner and dad getting angry. I like the idea of having a "backup" to your cell phone... towers can always go down and I've experienced this firsthand after major winte...
by mpsz
Sun Jul 01, 2018 7:26 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct website down all day (7/1)
Replies: 23
Views: 2176

Re: Treasury Direct website down all day (7/1)

Same here. The site works fine except for redeeming a bond -- I've tried 3 times since this morning, most recently about an hour ago, and I get an error message after a timeout on the final redemption step.
by mpsz
Sun Jul 01, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 59
Views: 6897

Re: What is your one favorite Fidelity Fund??

Another vote for Four-in-One -- FFNOX
by mpsz
Sun Jul 01, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 22489

Re: What are your property taxes?

Just got my property tax bill this week. Connecticut 2,000 sq/ft colonial on 1/4 acre of land. FMV $250,000.00 Annual taxes $8,340.00 That's on top of 6.35% sales tax, state income tax, and every other tax you could possibly imagine. Ouch! I also live (rent) in CT and I was surprised to see that my...
by mpsz
Sun Jul 01, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Where do you file consumer complaints?
Replies: 8
Views: 751

Re: Where do you file consumer complaints?

Are you signed in to wunderground on the computer where you see the ads? I assume the ad-free experience would follow that username/password around. If this was recently, I would ask wunderground for a refund, and if they declined do a chargeback on my credit card (did not receive what you paid for).