Search found 226 matches

by CardinalRule
Sun Dec 01, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 213
Views: 19739

Re: Turbotax 2019 on Amazon

This could be different, I guess, but I have received a physical Amazon GC in a bundle. It has always been a digital “card,” loaded to my account. And it will be $39.99 minus the $10 gift card after Christmas if they repeat last year's offer. And, by using CamelCamelCamel, you can spend no effort aw...
by CardinalRule
Sun Dec 01, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 20
Views: 3609

Re: Fidelity Free Turbotax 2019

https://www.fidelity.com/trading/active-trader-trading-service-levels For the "active trader" crowd, at least, Fido seems to be advertising the availability (eventually) of free TurboTax Premier Online . I wonder if the online version will be the one offered to the favored few, across the board thi...
by CardinalRule
Sat Nov 30, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Credit freezes
Replies: 35
Views: 2218

Re: Credit freezes

Some useful information in this thread, including the Krebs on Security link. :thumbsup Prior ignorance on my part, but I personally learned the difference between a credit lock and a credit freeze just this weekend. :( I have long had freezes in place at the Big 3 agencies. I also have a free subsc...
by CardinalRule
Thu Nov 28, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 7599

Re: What Items Are You Targeting for Black Friday Sales?

I have been focusing on battery-powered cameras, due to the planned outdoor location, but Wyze looks like a great deal, especially with Alexa, 1080p and rolling 14-day rolling storage. Thanks for pointing it out. Maybe it's time for me to replace our old EZVIZ indoor set. I have been eyeing outdoor ...
by CardinalRule
Thu Nov 28, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 7599

Re: What Items Are You Targeting for Black Friday Sales?

I have been eyeing outdoor security cameras (Arlo, Blink, etc.). I might pull the trigger finally if I see a good deal.
by CardinalRule
Thu Nov 28, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with $0 annual fee?
Replies: 28
Views: 2095

Re: Best Credit Card with $0 annual fee?

I was disappointed to see that Citi removed the extended warranty and price protection benefits from the Double Cash card a few months ago, as part of a broad rollback of benefits by Citi. I do like the cash back provisions on this card. Doctor of Credit has a list of current credit card offers. htt...
by CardinalRule
Sat Nov 23, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1985
Views: 339571

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thanks to all - I just submitted my online transfer request (Fido to TDA) for a Roth IRA (I'm trying to consolidate accounts accumulated over a lifetime of working, but the bonus is nice). As I have an existing Roth IRA account for TDAmeritrade, good to know that I will need to call in to get the pr...
by CardinalRule
Sat Nov 16, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: $500 KeyBank bonus worth it?
Replies: 26
Views: 3030

Re: $500 KeyBank bonus worth it?

I did a $400 offer with KeyBank in 2018, and the experience was fine; I can easily make payroll deductions online. KeyBank pays promptly as noted above. Very recently I tried two different online offers (Citi and Chase) about a week apart. In both cases, the system told me that my identity could not...
by CardinalRule
Sat Nov 16, 2019 10:31 am
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 2999

Re: Questions about Fidelity Charitable DAF

The DAF (fidelity charitable) cuts a check the the charity. They don’t give you a checkbook because once you donate the money/security/asset to the DAF, it is owned by the DAF. It is fidelity charitable’s money, not yours. You then recommend grants to a particular charity. Fido charitable cuts the ...
by CardinalRule
Sat Nov 16, 2019 9:43 am
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 2999

Re: Questions about Fidelity Charitable DAF

Like others in this thread, I have been happy overall with my Fidelity DAF. One other thing I like is the integration with my other Fidelity accounts. By that I mean that when I log on to Fidelity.com, I can see my individual brokerage account, my rollover IRA, my Roth IRA, and my DAF on the navigat...
by CardinalRule
Thu Nov 14, 2019 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 213
Views: 19739

Re: Turbotax 2019 on Amazon

For people who taxable account investment, wouldn't they need the Premier version to report it? I don't know what "taxable account investment" means. If you're asking: If one owns a taxable brokerage or mutual fund account (such as Vanguard, Schwab, etc.), does one need Premier? The answer is absol...
by CardinalRule
Sun Nov 10, 2019 10:42 am
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 17
Views: 1617

Re: HSBC checking bonus

Were you able to avoid monthly fees while the accounts were open?
TheDDC wrote:
Tue Nov 05, 2019 6:24 pm
I did the $350 and my wife did the $750 offer from HSBC. They pay fast and for premier checking you can close the account after you get the bonus without a clawback attempt. It’s legit.

Pile it into VTSAX when done.

-TheDDC
by CardinalRule
Sun Nov 10, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 20
Views: 1555

Re: Kindle/Paperwhite -E Reader

Unless this changed very recently, there isn't a limit on the number of devices that can be associated with your account. However, the agreements between Amazon and the publishers limit the number of downloads for a particular book to six. Simultaneous downloaded copies, that is. However, my questio...
by CardinalRule
Sun Nov 10, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 20
Views: 1555

Re: Kindle/Paperwhite -E Reader

I agree with all of this; in particular, the "special offers," or upfront ads, don't bother me at all and they are frugal. :wink: I own a Paperwhite, but I think that the 2019 base version of the Kindle could make sense for the OP's mom (or others wanting to "try out" e-readers), once the seasonal p...
by CardinalRule
Wed Nov 06, 2019 9:13 am
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 19
Views: 1678

Re: 2020 I Bonds: what's your plan?

Agreed about the lack of excitement, but the I-Bonds do have a higher yield than the five-year or ten-year TIPS, at least.
CoastalWinds wrote:
Wed Nov 06, 2019 12:25 am
It’s hard to get excited about something that, when taking into account “actual inflation”, probably has a zero to negative real yield.
by CardinalRule
Sun Nov 03, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 2979

Re: Car rental insurance experiences

My Chase Sapphire card has primary coverage and I generally waive the CDW in the U.S. My only damage situation occurred about three years ago when I was covered by the American Express premium car rental protection, a product mentioned above. I no longer have an Amex card, but the coverage worked fi...
by CardinalRule
Sat Nov 02, 2019 10:17 am
Forum: Investing - Theory, News & General
Topic: When someone says “X is a $120 million dollar company” what does that mean?
Replies: 20
Views: 2349

Re: When someone says “X is a $120 million dollar company” what does that mean?

Depends on context. Market cap is popular. “Enterprise Value” is also common. This would be market cap + debt + a few other adjustments. After all, market cap can be adjusted by either issuing new shares or doing a stock buy back. However enterprise value should not change with these actions. Can m...
by CardinalRule
Tue Oct 29, 2019 11:38 am
Forum: Personal Investments
Topic: Anyone use Invesco BulletShares?
Replies: 10
Views: 1010

Re: Anyone use Invesco BulletShares?

Bumping this as my first purchase, Invesco BulletShares 2019 High Yield Corporate Bond ETF (BSJJ) is approaching its maturity as part of a small-scale laddering strategy and experimentation. :wink: This is the higher yield variant of the BulletShares. August 17, 2015 purchase price (210 shares @ $24...
by CardinalRule
Fri Oct 18, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5742

Re: Help me find some high quality cargo pants.

Wow, all these responses. And here I thought that cargo pants were a 1990's thing. :wink:
by CardinalRule
Thu Oct 17, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Remembering a Beloved Family Pet
Replies: 14
Views: 995

Re: Remembering a Beloved Family Pet

So sorry for your loss, and I know how you feel. When we lost our dog a couple of years ago, we got a personalized memorial stone for the back yard, where she loved to play. It cost about $50, and we are glad that we did it. It reminds us of her often. Eventually your grief will give way to fond mem...
by CardinalRule
Wed Oct 16, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8064

Re: Why are Mazda CX-5’s sales so much less than other brands?

I recently took in my MX-5 for regular maintenance (15,000 miles), and it was about $80 (after a $15 coupon that the dealer had mailed me). But that was for synthetic oil, which of course is significantly more expensive, and labor might be higher in my area. Speaking of maintenance costs, I got talk...
by CardinalRule
Sun Oct 13, 2019 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Dropping Interest Rates on High-Yield Savings
Replies: 31
Views: 4680

Re: Dropping Interest Rates on High-Yield Savings

Don't be surprised if the fixed rate on I-Bonds changes for the worse in November.
wintermute wrote:
Mon Oct 07, 2019 1:35 am
Ibonds are paying .50% real. Max them for funds that can wait a year. Don't forget you can get them from your tax refund also.
by CardinalRule
Sat Oct 12, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4417

Re: Disadvantages of a bank signup bonus

Do most banks do "hard pull" credit checks when opening new accounts?
by CardinalRule
Thu Oct 10, 2019 8:07 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 9577

Re: Fidelity to $0 Commissions

Will I no longer get my free TurboTax Premier? :confused :)
by CardinalRule
Sun Oct 06, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 16296

Re: How many are switching from Fidelity?

I was a little surprised, not being an investor in brokerage stocks, by some of the facts that were highlighted in the reporting (like the Wall Street Journal) on the move by Schwab (followed by other Ameritrade et al). Commissions only represented 7% of Schwab's revenues. They have been a bigger de...
by CardinalRule
Sat Oct 05, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 16296

Re: How many are switching from Fidelity?

I do some of that too, in a couple of accounts. I was glad to see that assignment fees are also zero for TD Ameritrade now, for those cases when a position actually gets called. Some brokers, like TD Ameritrade and Wells Fargo Advisors, have charged me absurdly high commissions in the past, for what...
by CardinalRule
Sat Oct 05, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put short-term cash at TD Ameritrade
Replies: 2
Views: 317

Re: Where to put short-term cash at TD Ameritrade

There have been threads on this. I recently bought GSY as I am accumulating some "cash" in a TD Ameritrade account.

viewtopic.php?t=276074
viewtopic.php?t=269305
by CardinalRule
Sat Oct 05, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 16296

Re: How many are switching from Fidelity?

That's what I think too. Maybe not to zero, but lower than they are now. Not every Fidelity customer is a Boglehead, and Fidelity has always emphasized its competitive commission rates in its marketing. It's only been a few days. I would imagine that Fidelity will drop their trading fees in the very...
by CardinalRule
Fri Oct 04, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9829

Re: How old is your cellphone?

I have an iPhone XR purchased in December 2018. No interest in the iPhone 11.

The XR replaced an iPhone 6S purchased in December 2015. I really like the XR; it was a significant upgrade for me.
by CardinalRule
Wed Oct 02, 2019 7:49 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades
Replies: 49
Views: 5538

Re: TD Ameritrade Introduces $0 Commissions for Online Stock, ETF and Option Trades

Thanks for not saying that. :happy We do have one the best punters in the NFL, Andy Lee, and he'll get a lot of opportunities this year. :( The moderators are going to be busier than a San Francisco 49'ers punter merging all these Great Interactive Brokening of 2019 threads. Are you saying they won’...
by CardinalRule
Wed Sep 25, 2019 12:45 am
Forum: Personal Finance (Not Investing)
Topic: How to value RSU during salary negotiation
Replies: 36
Views: 3230

Re: How to value RSU during salary negotiation

Not really the point of this thread, but the cost of granting $40k in RSUs is not zero. It is stock compensation expense, measured on the basis of the stock price as of the grant date. I agree that neither are guaranteed, but it seems to me that a company would be more likely to suspend RSU awards b...
by CardinalRule
Tue Sep 24, 2019 7:08 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 10095

Re: Best place to buy Microsoft Office 2019....

^^^ I just received the Microsoft email at work. I'm glad that I already purchased both Office 2016 and Office 2019 through the Home Use program. I don't want my stuff online anywhere. to add to you comments Microsoft OneDrive The Microsoft terms of service gives Microsoft employees permission to v...
by CardinalRule
Thu Sep 19, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 10095

Re: Best place to buy Microsoft Office 2019....

I was sorry to see Microsoft axe Office 2019 from the HUP recently. And I'm glad I bought the standalone 2019 version for $15 before it did. The 30% discount on subscription price for HUP is not that compelling to me, at least not now. https://www.microsoft.com/en-us/home-use-program/frequently-aske...
by CardinalRule
Sun Aug 25, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Quicken update headaches
Replies: 20
Views: 1560

Re: Quicken update headaches

There are a lot of Quicken users here (like me), but for future problems, I recommend also posting/inquiring on the Quicken "community" site. https://community.quicken.com/ Although tracking down this cause might have been challenging even there. :happy OP here. To close out this thread for anyone w...
by CardinalRule
Thu Aug 15, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Windows 10 urgent update alert.
Replies: 6
Views: 1893

Re: Windows 10 urgent update alert.

For my Windows 10 (version 1903), KB4512508 was the relevant "quality" update for this. I can see it on the update history, August 13.
by CardinalRule
Mon Aug 12, 2019 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 119
Views: 11744

Re: Apple Card

Seems like Quicken support won't be available, at least not initially.

Exporting data from Apple Card to a financial app like Mint is not currently supported.

https://support.apple.com/en-us/HT209489
karpems wrote:
Tue Mar 26, 2019 7:13 am
Any thoughts on whether it will integrate with quicken?
by CardinalRule
Fri Jul 26, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Audible audio books
Replies: 14
Views: 950

Re: Audible audio books

I've never heard of an "Audible Store" app for the iPhone. Are you sure you aren't just going to the mobile audible.com site, perhaps with a bookmark? I have an IPhone and use Audible regularly. I have two Audible apps. The "Audible" app is the app I use to listen to books. It includes the library o...
by CardinalRule
Mon Jul 22, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 9834

Re: C8 Corvette - who is buying?

I don't know if it is only affordability or also just a bad demographic - I do seem to see an awful lot of C7s driven by 70+ year olds. The Corvette is too big for me (but then I drive a Miata now). I do like the way it looks, compared to its predecessor. I still miss my old MR2 and will be very int...
by CardinalRule
Sat Jul 20, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Which Kindle do I need?
Replies: 37
Views: 1881

Re: Which Kindle do I need?

I really like the Kindle app on the iPad and use it a lot at home. I do like the light weight and small form factor of my circa 2014 Paperwhite e-reader, and that's what I carry in my backpack for use on the bus and train. With the iPad, I personally can't justify buying the latest and greatest Oasi...
by CardinalRule
Sat Jul 20, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2418

Re: Glacier National Park

Thanks for sharing that. We will be visiting GNP at basically the same time as the OP, and I just joined the Facebook group after seeing your post. It does look helpful and active. If you happen to have a Facebook account, there is large Glacier National Park group on there. It's a really well run p...
by CardinalRule
Sun Jul 14, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 7215

Re: How to Safely Share User IDs / Passwords with Spouse

The "Shared" vault in 1Password has been wonderful for my wife and me. If she changes our Hulu password, or I change the password for our electric utility, the changes sync on our iPhone/iPad and desktop Windows computers, even though we each have our own master password for 1Password. It took a whi...
by CardinalRule
Tue Jul 09, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11910

Re: What backup service to use?

When I first participated in this thread, I was a Mozy customer; now I am with Carbonite after it acquired Mozy. No problems (or need to recover) so far, but I am considering IDrive (https://www.idrive.com/) once the Carbonite promotional pricing runs out. IDrive looks like a good value and I like b...
by CardinalRule
Sat Jul 06, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15984

Re: No more print Money magazine

I got the postcard from Money yesterday. I'm glad that my existing Kiplinger's subscription will be extended, as the postcard was not clear in this regard. Update to my previous post. I also subscribe to Kiplinger's Personal Finance magazine and received the August 2019 issue in today's mail. It had...
by CardinalRule
Sat Jul 06, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2579

Re: No more print Mad magazine

I hadn't read it in ages, either. Millennial Pete Buttigieg's retort to President Trump was pretty telling, in recent retrospect: “I’ll be honest. I had to Google that.” After 67 years the beloved Mad magazine will disappear from the newsstands In October. I loved it as a kid but haven’t read it in ...
by CardinalRule
Sat Jun 15, 2019 9:20 am
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3677

Re: Chewy IPO

Wow - roughly $35 for CHWY at the end of the day on Friday, June 14.

I will be curious to see how this goes over time, but I won't have any direct financial interest. :wink:
by CardinalRule
Fri Jun 07, 2019 12:48 am
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3677

Re: Chewy IPO

Same here. As a customer, I really like Chewy. I was concerned that Chewy might go downhill in terms of customer service and pricing when Petsmart acquired the company, but it really hasn't. Still, it's in a low-margin e-commerce business with lots of competition. As an investor, I'll pass. We are C...
by CardinalRule
Mon May 27, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Port Townsend-Pacific Northwest
Replies: 33
Views: 2851

Re: Port Townsend-Pacific Northwest

It might be good to stay far away from that paper mill. :(
by CardinalRule
Mon May 27, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5227

Re: Grand Canyon and Sedona

We recently visited Antelope Canyon and got a little lucky - we missed our check-in time and the guide company decided to take one more truck with me, my wife, and three other tourists. None of the other three tourists spoke English, and so we pretty much had a personal Navajo guide who knew every i...
by CardinalRule
Mon May 27, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 15984

Re: No more print Money magazine

There was always content that was not relevant to me and my financial situation, but Money was definitely worth the $10 for me (recently renewed for $8 with a Groupon - it will be interesting to see how that gets unwound :wink:) and I'm sorry to see the print edition go. I always looked forward to q...