Search found 738 matches

by j0nnyg1984
Thu Sep 17, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Google Voice number
Replies: 15
Views: 1091

Re: Google Voice number

I ported my Verizon wireless number to GV probably 7 years ago. Have had the app (hangouts, now) on my company iPhone the whole time and never have had an issue. No cost. Edit: actually, I think I paid a one time fee to port my existing number to GV, but this won’t be relevant to you. Wonderful serv...
by j0nnyg1984
Wed Sep 16, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: Raise offering 20% cash back on Delta gift cards
Replies: 21
Views: 1806

Re: Raise offering 20% cash back on Delta gift cards

Impatience wrote: Mon Sep 14, 2020 7:23 pm So this site is basically a fence for stolen or fraudulently obtained gift cards, right?
Correct.
by j0nnyg1984
Sat Sep 12, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Remote Job - Taxes
Replies: 31
Views: 3008

Re: Remote Job - Taxes

I live in WA, work for a company based in IA. I pay WA taxes, including, of course, no state income tax. The company I directly work for has no presence in WA, though one of our parent companies subsidiaries does.

I would definitely not pay any taxes based on where your company is located.
by j0nnyg1984
Sun Sep 06, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off $58K early at 2.95%?
Replies: 19
Views: 3528

Re: Would you pay off $58K early at 2.95%?

Yes. I don’t like debt.
by j0nnyg1984
Tue Aug 25, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
Replies: 17
Views: 2144

Re: Can any people who shop/deliver for Instacart give me a shoppers-eye view...

If you eat a lot of applesauce, why don’t you make your own? It’s really, really easy - I make gallons of it every year! After years of doing it by hand (with a food sieve / mill), I finally bought a grinder / strainer attachment for my kitchenaid stand mixer. I used it last week and it worked fanta...
by j0nnyg1984
Sat Aug 22, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Dispute--Any Suggestions?
Replies: 46
Views: 2416

Re: Credit Card Dispute--Any Suggestions?

Everything sounds good to me. If they aren’t processing a refund in a timely fashion, a dispute is the next step.

It doesn’t slow anything down, it just costs the vendor money, and forces them to take action.
by j0nnyg1984
Thu Aug 20, 2020 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9467

Re: how often do you check your net worth?

I do my rebalancing calculations around the first of the year, so that is when everything gets tallied up and put into my little spreadsheets.

Once a year.
by j0nnyg1984
Thu Aug 20, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15689

Re: Are emergency funds for suckers?

I sleep happily with ~100k in my “emergency funds.”

In reality, I don’t need this much money in my EF, but I don’t want a taxable investing account and I don’t have anywhere else to put it. Strictly from my expenses, I’d only need a 15-25k EF, but I’m really not mad at my current situation.
by j0nnyg1984
Wed Aug 19, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving Seattle or Vancouver, WA
Replies: 88
Views: 6106

Re: Thinking of moving Seattle or Vancouver, WA

Vancouver is an odd town... like a city without a central core, and what is there is run down. BUT ! now that Portland is SO expensive the Vancouver area is coming back to life. It is MANY years away from becoming a new 'pearl district' ( if it ever can ). Run down? 😂 As to your last sentence, Jesu...
by j0nnyg1984
Wed Aug 19, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Did any inheritance make positive effect on your life?
Replies: 229
Views: 18964

Re: Did any inheritance make positive effect on your life?

No. My dad worked his butt off and didn’t live long enough to enjoy it. He was a good earner and saver, but a horrible investor. With my (and these forums) help, we turned their investments around. My widow mother is mid 60s and a member of the 7 figure club. I keep telling her to spend it, go on va...
by j0nnyg1984
Wed Aug 19, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: teen wants an debit card/account for youtube
Replies: 15
Views: 1773

Re: teen wants an debit card/account for youtube

I really have an issue with kids getting debit or credit cards, and I think gift cards are a “gateway drug” to this problem. In my opinion, it is 100% conditioning by banks and credit card companies to have the kids be comfortable with just swiping the card once they’re old enough to have their own ...
by j0nnyg1984
Tue Jul 28, 2020 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 252
Views: 23450

Re: Ally 1% bonus, up to $250, sign up by 3/23

Sweet, got my $250 bonus today, too! 👍🏻
by j0nnyg1984
Mon Jul 27, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to buy this piece of property?
Replies: 19
Views: 1742

Re: Can I afford to buy this piece of property?

You don’t list ages, incomes, expenses, etc.

I’d say no.
by j0nnyg1984
Mon Jul 27, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Pay Property and Income Tax Online or via Snail Mail
Replies: 17
Views: 1245

Re: Pay Property and Income Tax Online or via Snail Mail

I pay my property tax online with my credit card. The fee isn’t enough to dissuade me and I like knowing it’s done and confirmed immediately.
by j0nnyg1984
Sat Jul 25, 2020 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: new BoA Premium Card benefit
Replies: 66
Views: 8236

Re: new BoA Premium Card benefit

Got my credit on July 23rd 👍🏻👍🏻👍🏻
by j0nnyg1984
Fri Jul 17, 2020 8:08 pm
Forum: Personal Investments
Topic: Is it a good idea to pay off loans early?
Replies: 6
Views: 1272

Re: Is it a good idea to pay off loans early?

Yes, it’s good to not be in debt.
by j0nnyg1984
Thu Jul 16, 2020 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Anybody watch new joe Rogan episode with Peter Schiff?
Replies: 51
Views: 6657

Re: Anybody watch new joe Rogan episode with Peter Schiff?

Schiff is hard enough to listen to even when they are in the same room, this was just painful. “Peter Peter Peter Peter Peter Peter” every 30 minutes - the dude just can’t STFU.

I, too, like a lot of what he says. He just goes tooo far.
by j0nnyg1984
Sat Jul 11, 2020 12:15 pm
Forum: Personal Investments
Topic: Question about understanding principal
Replies: 10
Views: 496

Re: Question about understanding principal

I’m not going to answer your question because I don’t think it really matters. Don’t take money out of retirement accounts, period. They’re for retirement, not short term savings.
by j0nnyg1984
Fri Jul 03, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Amex Shop Small Online Shops
Replies: 37
Views: 3052

Re: Amex Shop Small Online Shops

GreendaleCC wrote: Fri Jul 03, 2020 9:32 am Amex’s Shop Small map lists businesses that DO NOT accept Amex. After adding this promotion to our cards yesterday, we went to one of them for a takeout dinner...
Now that’s funny 😂
by j0nnyg1984
Mon Jun 29, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: In COVID-19 Uncertainty - pay off student loan or bolster emergency fund?
Replies: 11
Views: 1066

Re: In COVID-19 Uncertainty - pay off student loan or bolster emergency fund?

I would pay off the loan before the close of business today. You’ve already said it, no indications that your jobs are at risk, etc. Pay it off and cut your expenses down until you get to a point where your EF feels comfortable. If your bank account was at 15k, it’d be a completely different discuss...
by j0nnyg1984
Sun Jun 28, 2020 8:34 pm
Forum: Personal Investments
Topic: What to do with Home Equity
Replies: 52
Views: 3241

Re: What to do with Home Equity

You will find a wide variety of opinions here on this subject. Personally, I wanted my mortgage paid off ASAP.
I kept my retirement account contributions maxed but every other penny went towards paying it off. It took me like 4 years 😊
by j0nnyg1984
Sun Jun 28, 2020 8:29 pm
Forum: Personal Investments
Topic: How difficult for company to add a “in-service rollover” option to 401k plan?
Replies: 11
Views: 954

Re: How difficult for company to add a “in-service rollover” option to 401k plan?

I have asked the “Compensation and Benefits Manager” at my employer about the availability of in-service 401k rollover. Our plan docs are not clear and she also is unsure if this is currently available. We have Wells Fargo for our plan administrator, but this was recently sold to Principal - I do n...
by j0nnyg1984
Sun Jun 28, 2020 8:23 pm
Forum: Personal Investments
Topic: How difficult for company to add a “in-service rollover” option to 401k plan?
Replies: 11
Views: 954

Re: How difficult for company to add a “in-service rollover” option to 401k plan?

I have asked the “Compensation and Benefits Manager” at my employer about the availability of in-service 401k rollover. Our plan docs are not clear and she also is unsure if this is currently available. We have Wells Fargo for our plan administrator, but this was recently sold to Principal - I do n...
by j0nnyg1984
Sun Jun 28, 2020 1:29 pm
Forum: Personal Investments
Topic: How difficult for company to add a “in-service rollover” option to 401k plan?
Replies: 11
Views: 954

How difficult for company to add a “in-service rollover” option to 401k plan?

I have asked the “Compensation and Benefits Manager” at my employer about the availability of in-service 401k rollover. Our plan docs are not clear and she also is unsure if this is currently available. We have Wells Fargo for our plan administrator, but this was recently sold to Principal - I do no...
by j0nnyg1984
Fri Jun 26, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take Fed direct unsubsidized loans expressly to have them repaid by company?
Replies: 15
Views: 812

Re: Should I take Fed direct unsubsidized loans expressly to have them repaid by company?

I would absolutely do this. The risk is minimal and the upside is huge.

Work it to the best of your advantage!
by j0nnyg1984
Tue Jun 23, 2020 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: new BoA Premium Card benefit
Replies: 66
Views: 8236

Re: new BoA Premium Card benefit

I got the email this morning, went grocery shopping later, and promptly pulled out my cash rewards card to pay the $57 tab. When I got back in the truck and checked my email, I about slapped myself 😂

Oh well, always next week.
by j0nnyg1984
Mon Jun 22, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Buying blinds
Replies: 16
Views: 894

Re: Buying blinds

I just commented on a thread a week or two ago asking the same questions. Have you searched?
by j0nnyg1984
Mon Jun 22, 2020 2:46 pm
Forum: Personal Investments
Topic: Cash out refinancings on the rise???
Replies: 13
Views: 1501

Re: Cash out refinancings on the rise???

As someone who just recently did a cash-out refi, it may be less of a problem than you imagine. Real-estate values have remained very high while interest rates have dropped. For me it was an opportunity to bolster my cash-reserves and other portions of my portfolio and reduce some equity in my hous...
by j0nnyg1984
Sat Jun 20, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Finished Refi- what Next? Increase retirement, rebuild EF?
Replies: 14
Views: 1097

Re: Finished Refi- what Next? Increase retirement, rebuild EF?

You say you already have 5-6 months of EF, I would think that is enough given your large taxable account. Pay off the car ASAP then switch to paying off the house.
by j0nnyg1984
Sat Jun 20, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1765

Re: Refrigerator Input...

No issues with my kitchenaid. I specifically wanted a fridge with no outer water / ice dispenser, no stupid touchscreens, no gimmicks. It’s a standard three door bottom freezer French door model, water outlet in the fridge half, ice maker only in the freezer.

Definitely recommend.
by j0nnyg1984
Sat Jun 20, 2020 10:38 am
Forum: Personal Investments
Topic: Inherited Edward Jones Account: Transfer to Vanguard?
Replies: 27
Views: 2336

Re: Inherited Edward Jones Account: Transfer to Vanguard?

If the most recent death was within 2020 remember that the IRAs will need to be depleted within the next 10 years. When you move the IRAs, be sure they are titled correctly for inherited IRAs. If the deaths occurred prior to 2020, you will have RMDs for all these IRA accounts. If the deaths occurre...
by j0nnyg1984
Sat Jun 20, 2020 10:12 am
Forum: Personal Investments
Topic: Inherited Edward Jones Account: Transfer to Vanguard?
Replies: 27
Views: 2336

Re: Inherited Edward Jones Account: Transfer to Vanguard?

OP following up on this. I called Vanguard and went through the transfer process with assistance. It took a little while, primarily because of the number of EJ accounts and the necessity to review and agree to the same policies for each account. I suspect it saved me a lot of time on the EJ end of ...
by j0nnyg1984
Fri Jun 19, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1789

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

Looks like HSA bank has actually implemented the $1,000 minimum requirement for auto-sweep into TD Ameritrade. Why do they make it so hard? I'll be calling them on Monday for one last chance to save my business. I'm most likely going to go with the Fidelity option for paycheck deductions and the mo...
by j0nnyg1984
Fri Jun 19, 2020 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP
Replies: 19
Views: 1789

Re: HSA Bank Charging Monthly Account Maintenance Fees - GEHA HDHP

Just be forewarned that you may be charged transfer fees for moving money out of the HSA Bank account.
by j0nnyg1984
Fri Jun 19, 2020 10:37 am
Forum: Personal Consumer Issues
Topic: Online / Gun Dealer Recommendations
Replies: 101
Views: 9164

Re: Online / Gun Dealer Recommendations

BUBear29 wrote: Thu Jun 18, 2020 10:42 pm cheaperthandirt.com

Do not patronize CTD, please. They actively participate in price gouging and other scummy tactics.
by j0nnyg1984
Thu Jun 18, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 132
Views: 14532

Re: Capital One is at it again

I’ve been a cap1 / ING customer for a long, long time, and I think it’s extremely sleazy for them to dump the MM rate like they did and add a new “performance Saving” account. I have put up with Cap1 not having the best rates because I’ve always had great experiences - their free mailed check servic...
by j0nnyg1984
Thu Jun 18, 2020 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10269

Re: Disappointed in Fidelity 2% Cash Back credit card

You can set it up to auto redeem into a cash management or brokerage account. And then periodically just login and transfer to your choice of bank account if you want. That's hardly any different than logging onto any other credit card account and then applying the cashback to your statement. So......
by j0nnyg1984
Tue Jun 16, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Flexing your frugality - are 0% loans to friends wrong?
Replies: 54
Views: 3344

Re: Flexing your frugality - are 0% loans to friends wrong?

I would never make a personal loan to anyone other than my mom, who doesn’t need it and would never ask. My brother or anyone else wouldn’t get this same offer.

$100 to a buddy while at the bar or a football game is one thing - $3000 to a friend would never happen.
by j0nnyg1984
Tue Jun 16, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Bank Recommendations
Replies: 23
Views: 1185

Re: Seeking Bank Recommendations

With Preferred Rewards the CC cash back is awesome, checks are free, and out of network ATMs are refunded. We also use BoA for our main credit cards due to their Preferred Rewards. I was not aware BoA refunds out of network ATM fees. We have no trouble finding in network ATMs in the US, but in Euro...
by j0nnyg1984
Tue Jun 16, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Bank Recommendations
Replies: 23
Views: 1185

Re: Seeking Bank Recommendations

I get the same exact perks from BofA, but I have no use for their checkinng account. It exists to collect the auto redemptions of my CC rewards and "coins". I'd rather earn interest on my deposits Yep, exactly. Use each institution for the benefits while avoiding the negatives. I definitely make so...
by j0nnyg1984
Tue Jun 16, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Bank Recommendations
Replies: 23
Views: 1185

Re: Seeking Bank Recommendations

Why not a credit union? They do all that and more. I've been with DCU well over 30 years. Free notary Free Medallion signature by the Pope If you overdraft, simply ask for the fee to be waived and they do. Interest rates that favor the members. You're not paying stock holders in Darth Vader's Bank....
by j0nnyg1984
Tue Jun 16, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Merrill Edge and Preferred Rewards
Replies: 70
Views: 9182

Re: Merrill Edge and Preferred Rewards

No, not unless you are a co-applicant or your spouse has preferred status. Also, you need 3 months from when your bank of America checking account is opened to get status. In our case, we already had a checking account and opened & moved money in to CMA. We got status update on a month. You do have...
by j0nnyg1984
Mon Jun 15, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: American Express Personal Savings - 25K MR bonus?
Replies: 17
Views: 1650

Re: American Express Personal Savings - 25K MR bonus?

Dang, I need to get this offer! I just opened two no penalty cd’s at different banks just to diversify away from cap1. No bonuses, just a decent rate.

Nice man!
by j0nnyg1984
Sat Jun 13, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: HSABank changing terms about account minimums?
Replies: 55
Views: 4037

Re: HSABank changing terms about account minimums?

I have HSA bank through my employer and a TD Ameritrade account. Our HSA Bank minimum has always been 1000$. Everything above that (my weekly contributions) are automatically swept into my investment account. Different plan groups have different (negotiated) minimums/fees. The GEHA one has always h...
by j0nnyg1984
Sat Jun 13, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: HSABank changing terms about account minimums?
Replies: 55
Views: 4037

Re: HSABank changing terms about account minimums?

I have HSA bank through my employer and a TD Ameritrade account. Our HSA Bank minimum has always been 1000$. Everything above that (my weekly contributions) are automatically swept into my investment account.
by j0nnyg1984
Wed Jun 10, 2020 5:19 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2654

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

i use these for dusting. perhaps you can get a small package to try it out; make sure it comes with the handle. https://www.amazon.com/dp/B00NS6I5F0/ref=dp_cerb_1?th=1 Just in case anyone else is going to buy these... I bought this item Sunday from amazon. $25 with tax. It was delivered Monday morn...
by j0nnyg1984
Tue Jun 09, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?
Replies: 41
Views: 2654

Re: Good dusting cloth (that doesn't just move dust around) Also Air Purifiers?

i use these for dusting. perhaps you can get a small package to try it out; make sure it comes with the handle. https://www.amazon.com/dp/B00NS6I5F0/ref=dp_cerb_1?th=1 Just in case anyone else is going to buy these... I bought this item Sunday from amazon. $25 with tax. It was delivered Monday morn...
by j0nnyg1984
Sun Jun 07, 2020 12:37 pm
Forum: Personal Consumer Issues
Topic: Wood blind alternatives to Hunter Douglas?
Replies: 11
Views: 762

Re: Wood blind alternatives to Hunter Douglas?

I went with budget blinds because they are who my mom used on her house. After about a year, they are holding up fine, but there were many initial quality issues - some not resolved - and communication was stupidly difficult. I wish I had known about the Costco installers, I would have likely given ...
by j0nnyg1984
Sun Jun 07, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching employer about cross-state move
Replies: 8
Views: 573

Re: Approaching employer about cross-state move

I would absolutely not ask about relocation expenses. You’re doing this move for you, not for them. Are there past data points about employees moving locations or working from home? I think this would be crucial information to have before approaching your boss. If this isn’t something y’all have dis...
by j0nnyg1984
Sun Jun 07, 2020 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Savings / CD account bonuses available now?
Replies: 3
Views: 474

Re: Savings / CD account bonuses available now?

There aren't any really good ones right now besides the ones you mentioned. Keep an eye on Doctorofcredit. Citi has one with multiple tiers, but their interest rate is very low and it can take 5 months to get your bonus (2 months to meet the requirement + 3 months - and yes they really do take that...