Search found 288 matches

by mpsz
Wed Sep 19, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 89
Views: 4444

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: 1098

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: 29182

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: 2412

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: 1167

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: 11734

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: 2569

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: 3083

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: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4718

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: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 4718

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: 3387

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: 4707

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: 6758

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: Investing - Help with Personal Investments
Topic: Best HSA w/ Vanguard
Replies: 6
Views: 636

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: 64
Views: 7119

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: Investing - Help with Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3066

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: Investing - Help with Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3066

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: 582

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: 2018

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: 724

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: 1638

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: 7172

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: 1638

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: 5274

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: 2183

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: 2183

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: 505

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: 4252

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: 1934

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: 5580

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: 212
Views: 13902

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: 711

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).
by mpsz
Sun Jul 01, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone Experienced with Credit Card Fraud ? Need Advice
Replies: 21
Views: 2233

Re: Anyone Experienced with Credit Card Fraud ? Need Advice

Recently a fellow employee where I work went into my personal area and accessed a couple of my credit/debit cards. This person made charges totaling almost 2k and it took about 8 weeks to figure out who it was doing it. He has been fired from his job and I have been reimbursed by my bank and the ca...
by mpsz
Sun Jul 01, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Treasury direct
Replies: 4
Views: 608

Re: Treasury direct

By paper-held, do you mean "converted"? These are bonds that you held on paper, but mailed in to TD and are now electronic. For some reason, these are put into a sub-account. You can access this account account by: Manage Direct (on the site header) -> Access my Linked Accounts (on the top-right of ...
by mpsz
Sat Jun 30, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Local Bank Branch Consolidation - Huh?
Replies: 12
Views: 1046

Re: Local Bank Branch Consolidation - Huh?

In my experience, the bank considers your account at the branch where it was opened. To the customer it is meaningless because you can use any branch. I’ve never returned to the branch where my account was opened. Gill I've had this exact same experience with a local bank in my area. It's pretty me...
by mpsz
Fri Jun 29, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15359

Re: How much (green) cash at home for emergency ?

One friend told me that had 40K in a safe at home. My reply, "Are you crazy?" and then told them to put it in a safe deposit box at a minimum. Keeping $40k in emergency money in a SDB is completely insane, unless you are Jason Bourne. - You won't be able to access this in an disaster-type emergency...
by mpsz
Fri Jun 22, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Moving Cash to Fido Cash Management Account
Replies: 13
Views: 1541

Re: Moving Cash to Fido Cash Management Account

I think Fidelity does not accept cash even when you bring it to a branch. I think maybe you can keep an account at BoA, deposit cash there and let Fidelity pull the money there. Note that BoA charges fee if you initiate the ACH transfer on its side. https://www.nerdwallet.com/blog/banking/ach-trans...
by mpsz
Sun Jun 17, 2018 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2793
Views: 558374

Re: What's Your Credit Card Rewards Strategy?

Thanks to the bonus from their Preferred Rewards program, I'm all-in on the BofA/ME approach. BofA Cash Rewards (5.25% gas, 3.5% groceries/Costco) BofA Premium Rewards (3.5% dining/travel, 2.62% general spend) Up until now I'd been placing all general spend on a Citi DoubleCash. I also have a Chase...
by mpsz
Sun Jun 17, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5432

Re: Young and rich

You would do well to never again refer to yourself as rich, or you risk believing it and acting like it. Although you are fortunate, and ahead of the game, you are neither rich nor have you won the game yet. In some parts of the country, your net worth is the median price of a home, which you do no...
by mpsz
Sun Jun 17, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15359

Re: How much (green) cash at home for emergency ?

$10,000 is far too much in my opinion. Whatever you choose, be prepared to lose it -- whether it's lost because you forget where you put it, you get robbed, your house burns down, or to inflation. Also, small, mixed bills! Not everybody will take a $100 or they may not be able to make change. I keep...
by mpsz
Fri Jun 15, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Job in MA, live in MA, RI, or CT?
Replies: 67
Views: 3190

Re: Job in MA, live in MA, RI, or CT?

As a lifelong CT resident, Connecticut has high taxes and cost of living is generally expensive. Without going into politics, the state and its capital city are both in a difficult financial situation and everything is poised to continue getting worse -- the state cannot balance its budget and Hartf...
by mpsz
Sat Jun 09, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Trasfer IRA Fee Refunded Months After Transfer Complete
Replies: 4
Views: 484

Re: Trasfer IRA Fee Refunded Months After Transfer Complete

I've dealt with similar... if a dividend for transferred shares somehow arrives at the old broker, they will eventually forward it on to the new broker. I'd expect something like this to work the same way. Usually there is no cost for this as it's a remnant from the same transfer. If it's been a whi...
by mpsz
Sat Jun 09, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3663

Re: Best banks for checking accounts?

Re fido not a bank — true but it’s cash managemt account functions better than most bank accounts and has higher fdic aggregate cover, like 1.25 mln if matter to u as they aggregate multiple bank accounts. The drawbacks w them is they won’t mail a replacement atm card overseas, have a hard limit of...
by mpsz
Sat Jun 09, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 3070

Re: College: extraneous expenses

Books will be your largest expense. My personal preference was to wait until a few weeks into the class to buy the book to see if I really needed to buy a copy. Some professors would say a book was required but would not actually use it, at all, or you might add/drop a class. Also look to see if you...
by mpsz
Sun Jun 03, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Banking Security
Replies: 10
Views: 1099

Re: Banking Security

I take the "everything is already hacked" approach. Follow the best practices but realize that these won't protect you absolutely: - two factor authentication and a strong, unique password - check account frequently - turn on ALL available alerts - never, ever, ever swipe debit (both for security an...
by mpsz
Thu May 31, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard from a consumer standpoint. Question [as a personal investor]
Replies: 16
Views: 1585

Re: Vanguard from a consumer standpoint. Question

I usually only make automatic investments at Vanguard so I have not experienced this firsthand. It wasn't like this earlier this year when I made a manual trade. You should see "Funds available to trade" and "Funds available to withdraw" on your Vanguard account. If you transferred money in and it's...
by mpsz
Sun May 27, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 60
Views: 4643

Re: Considering iPad to replace failing Nexus tablet

I've had 3 iPads over the years, including the original iPad and the current-generation iPad Pro which I use every day. All 3 of them still work as well (hardware-wise) as they did when they came out of the box. The two older iPads cannot run the latest apps -- Apple will stop offering OS updates fo...
by mpsz
Sat May 26, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: 1st Cell Phone in 8 Years; or, Cell Phone Strategy, 5/2018 Edition
Replies: 5
Views: 1089

Re: 1st Cell Phone in 8 Years; or, Cell Phone Strategy, 5/2018 Edition

Are you using WiFi when it's available? Also, I agree that it's best to keep your work/personal phone separate if you can. Your employer could be monitoring your phone, plus it could be a mess to untangle at a later date if you go separate ways. If I was an Android person, I would go with Google Fi ...
by mpsz
Sat May 26, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 57
Views: 1853

Re: Free to freeze and unfreeze your credit report

Connecticut just passed a similar law earlier this month. Glad to see this done on the national level too.
by mpsz
Thu May 10, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3818

Re: IRS tax form

Epsilon Delta wrote:
Wed May 09, 2018 5:40 pm
To make the signature stand out I'd consider signing with ink with some texture. Perhaps one of those metallic glitter gel pens. :twisted:
+1. Sign it in glitter glue. I think this agent is being a bit ridiculous and deserves this kind of response.

or blue ballpoint pen on a soft surface