Search found 312 matches

by CardinalRule
Fri May 22, 2020 1:45 pm
Forum: Personal Investments
Topic: Does Capital one send emails when their interest rate decreases?
Replies: 25
Views: 1073

Re: Does Capital one send emails when their interest rate decreases?

Same here. I got the American Express email, but I until saw your post and looked, I hadn't realized that Discover had dropped its rate. :x American Express message (May 14,in my case): We want to let you know that as of today, the Annual Percentage Yield (APY) on your High Yield Savings Account is ...
by CardinalRule
Mon May 18, 2020 9:30 pm
Forum: Personal Investments
Topic: Wash sale for revolving buy/write strategy
Replies: 2
Views: 261

Re: Wash sale for revolving buy/write strategy

In that scenario you are not selling at a loss in 2, and I am not following your wash sale logic. You have a taxable realized gain of $5 ($90 less $85) when the call is assigned. And your broker will report it that way. Your option proceeds become part of the basis of the stock. Scenario : 1. Buy 10...
by CardinalRule
Sun May 17, 2020 1:12 pm
Forum: Personal Investments
Topic: Ever Buy a “Good Cause” Stock?
Replies: 11
Views: 623

Re: Ever Buy a “Good Cause” Stock?

It’s pretty indirect, and a drop in a bucket overall, but a rising stock price can be a performance motivator for management and employees.
by CardinalRule
Sun May 17, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4039

Re: Is anyone on the road?

Related to being on the road, there is an interesting article in the WSJ, if you have a subscription: RV Vacations: The Safest Way to Travel This Summer Planes are grounded. Hotels shut. After a spring spent cooped-up, many Americans are renting recreational vehicles to get away. Here’s a guide. htt...
by CardinalRule
Sat May 16, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 94
Views: 5952

Re: Alternatives to Craftsman Tools

Trucks are still a key sales channel for Snap-On. You can get your very own "mobile" franchise, with no real estate costs. :happy

https://www.snapon.com/EN/Franchise/Inv ... nformation
by CardinalRule
Sat May 16, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 74
Views: 3914

Re: Password vault or generator?

I was initially reluctant to go with a subscription model, but I really love how 1Password works for our family, across different devices. Very happy with the product, which I have used in one form or another, for at least a decade.
by CardinalRule
Sat May 16, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 461
Views: 15745

Re: Bird watchers – what birds are you seeing?

Saw a white-crowned sparrow today (identified with Merlin) in the Pacific NW. Such a bold black-and-white head pattern. The pretty violet-green swallows continue to be the most numerous bird in our neighborhood, followed by dark-eyed (Oregon) juncos and house finches. And my 5:00 am buddy, the talka...
by CardinalRule
Sat May 16, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 11
Views: 2278

Re: Capital One Bank bonus $450

I may need to ask them about how to interpret the highlighted fine print. I withdrew $35,000 from my 360 Performance Savings account in mid-March 2020, and was planning to deposit $50,000 before May 31. Hopefully the fact that my withdrawal occurred earlier than the offer being made will help. :? Th...
by CardinalRule
Fri May 15, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 11
Views: 2278

Re: Capital One Bank bonus $450

I am planning to do this. Curious how long Capital One will maintain the 1.50% interest rate on my 360 Performance Savings account, though. Just today, I got an email stating that my American Express Personal Savings High Yield Savings Account had dropped to 1.30%. I will likely move most of the the...
by CardinalRule
Sun May 10, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: Airline Stocks
Replies: 42
Views: 3993

Re: Airline Stocks

JETS closed the week (May 8) at $13.64 after being at $13.48 on May 4 and $12.71 on May 6. Quite volatile. :|

quote=AnalogKid22 post_id=5230044 time=1588599985 user_id=109642]
United, Delta, and American all down ~10%
[/quote]
by CardinalRule
Sat May 09, 2020 1:33 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 461
Views: 15745

Re: Bird watchers – what birds are you seeing?

A black-capped chickadee is waking me up every morning at 5:00ish. Cute little thing, but that "fee bee" call is loud. :shock:

I guess I'll have to start wearing earplugs! :wink:
by CardinalRule
Sat May 09, 2020 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

Entering manual entries actually seems pretty brainless and tedious to me for the most part, and I'm glad to pay a couple of bucks a month to avoid it (and also get reliable, timely information). :wink: I'd rather use my time and intellect for analysis. I could see my perspective changing, I guess, ...
by CardinalRule
Sun May 03, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Best Protective Case For IPad 7 - FOUND!
Replies: 15
Views: 515

Re: Best Protective Case For IPad A7 10.2"

For my 6th generation iPad, I use a Fintie "Lightweight Slim Shell Standing Hard Back Cover with Auto Wake/Sleep Feature" case which I bought on Amazon. It's available for the 7th generation, too, for $14.00. It's my second one; I replaced its predecessor just because I wanted a color change. My wif...
by CardinalRule
Sun May 03, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: Airline Stocks
Replies: 42
Views: 3993

Re: Airline Stocks

I don't think I would ever bet on a single airline stock, especially in this high-risk, uncertain environment, but I could see taking a flyer (pun intended) at some point on the JETS ETF, with excess "play money."

https://www.usglobaletfs.com/fund/jets/
by CardinalRule
Sat May 02, 2020 9:56 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 461
Views: 15745

Re: Bird watchers – what birds are you seeing?

The Merlin app from Cornell University is great, especially for bird neophytes like me. https://news.cornell.edu/stories/2020/04/whats-bird-merlin-app-has-answer While WFH (Pacific NW), I have been seeing large numbers of a colorful type of bird and was wondering what it was. I took a picture of one...
by CardinalRule
Fri May 01, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8437

Re: Netflix - New Way Of Throttling [DVDs]?

Here we are in May, and all of the discs below are still “short wait.” :( Might be time to cancel our $9.99 plan for a while before it renews in mid-May. Three or four Redbox rentals a month might make more sense, especially with the streaming and premium cable subscriptions we have. Not sure if thi...
by CardinalRule
Sun Apr 19, 2020 10:45 am
Forum: Personal Consumer Issues
Topic: Alternatives to Adobe Acrobat
Replies: 13
Views: 751

Re: Alternatives to Adobe Acrobat

That is what I would suggest, unless very old version of Word is being used. "Save as a PDF" works great in Office, and the PDFs can be password protected. I do like Nitro for PDF editing, but it's not really needed for this kind of application. If you already have Microsoft Word, have you considere...
by CardinalRule
Sun Apr 19, 2020 10:40 am
Forum: Investing - Theory, News & General
Topic: Neiman Marcus to file for bankruptcy
Replies: 67
Views: 6846

Re: Neiman Marcus to file for bankruptcy

Luxury brands will do better because the higher margins afford better cash flow. None of the names mentioned in this thread so far are luxury brands. You don't consider Neiman Marcus a luxury brand? Yep, most of the articles that appear will refer to Neiman Marcus as a chain of "luxury" department ...
by CardinalRule
Sun Apr 19, 2020 10:25 am
Forum: Personal Investments
Topic: Sell Put Option on VEA for income or cheap shares
Replies: 6
Views: 568

Re: Sell Put Option on VEA for income or cheap shares

Same here, in my case generally for widely traded ETFs with a lot of option open interest. Volatility can be a good thing, for cash-covered, written puts on ETFs or stocks you like. There is the risk of losing upside, as noted, but transaction fees (for either selling calls or having shares assigned...
by CardinalRule
Sat Apr 18, 2020 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

This was apparently one of those COVID-19 issues, but it should be resolved now, once you go through the rather tedious Capital One "authorization" process. One thing that I was happy to see - Deluxe has all the functionality I need for investment transactions, as others on this forum had noted earl...
by CardinalRule
Wed Apr 15, 2020 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

Good instructions. The only thing that I would add is that one point, before entering the activation code, a popup may come up saying that your license has expired. I would click "OK" rather than "Renew," if you have an Amazon code, to avoid a credit card dialog. The activation code can then be ente...
by CardinalRule
Thu Apr 09, 2020 1:13 am
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8437

Re: Netflix - New Way Of Throttling [DVDs]?

Not sure if this is COVID-19 related, shrinking Netflix inventory in general, or my current interest in popular, new releases, but these same discs have been at the top of my queue for weeks. I keep getting my six, seventh, or even eighth choice sent to me. I got tired of waiting for Knives Out and ...
by CardinalRule
Wed Apr 08, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35711

Re: Don't pay full price for SiriusXM radio

Yep, different circumstances and priorities. In my case, SiriusXM is more than just music, and I also like having it on those long drives and destinations (e.g., national parks) where there is no cellular service. I also don't like the distraction of dealing with my phone when driving (I don't have ...
by CardinalRule
Tue Apr 07, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6520

Re: Allstate offers 15% [car insurance] rebate for reduced driving

I wonder if homeowner-related claim risk could actually be higher, due to more people at home?
beyou wrote:
Tue Apr 07, 2020 11:18 pm
I have umbrella with them, and clearly there is less risk of auto related umbrella claim. They should rebate on that policy as well.
by CardinalRule
Sun Apr 05, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35711

Re: Don't pay full price for SiriusXM radio

Thanks - done for both of our vehicles. $60 Select for one and All Access for the other (I like the play-by-play for my faraway Arizona Cardinals, among other things). Got a quick email in response:

Image
by CardinalRule
Sun Apr 05, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 269
Views: 35711

Re: Don't pay full price for SiriusXM radio

Seriously? I am definitely going to take a look. The subscription for one of our vehicles is due for renewal in the middle of this month, and I had a reminder to make that annoying, every-six-months call to a CS representative. You don't have to call or chat now. I logged in my account this morning ...
by CardinalRule
Sun Apr 05, 2020 11:00 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21556

Re: I Bonds are a screaming buy - Tipswatch

One thing that I have wondered about, and so I thought I would ask here. What is the Treasury Department's rationale for having a $10,000 limit in the first place? https://seekingalpha.com/article/4330526-i-bond-investors-time-to-buy I Bonds current real yield is 0.2%. TIPS have negative real yields...
by CardinalRule
Sun Apr 05, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6588

Re: What Amazon Prime (free) movies y'd recommend ?

I was scrolling through listings on Prime Video yesterday and took a peek at the trailer for Hitchcock's To Catch a Thief . Interesting to see how different (and quite 'over the top') movie trailers were back in the day. :happy I might watch Stagecoach with John Wayne - it's been a long time since I...
by CardinalRule
Sat Apr 04, 2020 5:05 pm
Forum: Investing - Theory, News & General
Topic: Macy’s dropped from s&p 500
Replies: 71
Views: 6965

Re: Macy’s dropped from s&p 500

I have a watch list on fidelity.com with the Dow 30 stocks. I was getting a ‘symbol not found’ error for UTX (United Technologies) on Friday, and at first I could not figure out why. It was the Raytheon merger, of course. Interesting - I didn't think carrier stock exists until Friday when it spins o...
by CardinalRule
Sat Apr 04, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: What Amazon Prime (free) movies y'd recommend ?
Replies: 78
Views: 6588

Re: What Amazon Prime (free) movies y'd recommend ?

Prime Video: From 2018, Hereditary, if you are interested in horror.
by CardinalRule
Sat Apr 04, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Should I keep paying fitness center fees while it is closed?
Replies: 114
Views: 6260

Re: Should I keep paying fitness center fees while it is closed?

I've been a member of 24 Hour Fitness for many years, and I've stayed with them during moves between three different states. The old grandfathered rate I have is, in fact, one reason why I am somewhat unlikely to quit. I recently got the notice mentioned in the article: Based on current public healt...
by CardinalRule
Sun Mar 22, 2020 12:09 am
Forum: Personal Investments
Topic: Thoughts on Invesco Bulletshares High Yield ETFs
Replies: 8
Views: 620

Re: Thoughts on Invesco Bulletshares High Yield ETFs

Try putting "Bulletshares" in the search box; there has been a fair amount of discussion of these in the past. Until your post, though, I hadn't really realized how hard my holdings in these ETFs have been hit, as focused as I have been on the unrealized carnage in my core equity investments. My BSJ...
by CardinalRule
Sat Mar 21, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Tipping in the time of Coronavirus
Replies: 39
Views: 3188

Re: Tipping in the time of Coronavirus

For restaurant takeout, I might add a $1.00 tip, in normal times, for the person who spent a couple of minutes with me on the phone and got my order ready. In these times, I'm going higher. Despite the unrealized stock market losses for our household, I want to help to the extent possible, and a lot...
by CardinalRule
Tue Mar 17, 2020 9:35 pm
Forum: Investing - Theory, News & General
Topic: Selling Puts
Replies: 22
Views: 1157

Re: Selling Puts

No, brokers and market makers, like Citadel.
jello_nailer wrote:
Tue Mar 17, 2020 11:09 am
"Except for the amazingly fat bid/ask spreads. My broker from the old days (back when you called him or her on the phone to trade) used to warn me that "options traders are thieves".
Referring to option sellers I would guess?
[/quote]
by CardinalRule
Mon Mar 16, 2020 11:18 pm
Forum: Investing - Theory, News & General
Topic: Selling Puts
Replies: 22
Views: 1157

Re: Selling Puts

Selling uncovered puts is risky, but not as risky as selling uncovered calls.
by CardinalRule
Sun Mar 15, 2020 5:47 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 6979

Re: Coronavirus Movie Suggestions

Sausage Party (2016). Totally weird but enjoyable, and my mind has been on supermarkets lately. Includes a roll of toilet paper as one of the characters.
by CardinalRule
Fri Mar 13, 2020 11:47 pm
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14304

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

I'm in it for the long haul too, but "chuckling" is not something I've been doing a lot of the past couple of weeks. :wink: Yet, I almost couldn't care less. I have zero fear about this. I had thoughts about trying to save a few dollars but no fear. I showed it to my wife and screen captured it beca...
by CardinalRule
Mon Mar 09, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: For MLP investors:
Replies: 19
Views: 1293

Re: For MLP investors:

I've been tempted by XLE and VDE, but now I'm really tempted given today's carnage in that space. I will likely stay away and just invest in a broad index. And I don't even want to look at my AMLP. :oops: Personally, I would rather hold energy sector ETF which includes oil majors such as exxon, chev...
by CardinalRule
Sun Mar 08, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7143

Re: Retirement in AZ-suggestions please

Not completely sure what it is like to live there, but Green Valley always felt far and isolated to me, when I would drive there from Phoenix to visit friends. The friends like it there, though, and it's obviously not that far from Tucson on the interstate. There appeared to be adequate retail, medi...
by CardinalRule
Sun Mar 08, 2020 8:52 am
Forum: Investing - Theory, News & General
Topic: For MLP investors:
Replies: 19
Views: 1293

Re: For MLP investors:

Yep, in addition to a relatively hefty management fee, investors have to pay the corporate tax bill for AMLP. The energy MLP space has been a pretty horrible place to be in recent years. I own a few shares of the Alerian MLP ETF (AMLP) in an IRA, purchased at $17.60 in December 2014; at $9.75 in Jun...
by CardinalRule
Thu Mar 05, 2020 9:38 am
Forum: Personal Investments
Topic: 3X Inverse Ultra Short ETFs
Replies: 10
Views: 651

Re: 3X Inverse Ultra Short ETFs

My percentage was a little higher (3%) but I put money in the SH (ProShares Short S&P 500) ETF, which is not a leveraged 3X instrument, about the same time, with markets approaching their highs. I got out this morning at $25.20, which was a reasonably good gain, but I don't think I'll "invest" in th...
by CardinalRule
Sun Mar 01, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Group Legal through work - Hyatt Legal
Replies: 10
Views: 1284

Re: Group Legal through work - MetLife

Noticed that this topic got bumped recently, and so I thought I would share my experience with MetLife (Hyatt is now MetLife, I think). We have had this benefit as an option at Open Enrollment where I work for about three years. Two years ago, I enrolled with an eye toward overdue will preparation. ...
by CardinalRule
Fri Feb 28, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

Thanks! And yeah, that is kinda sloppy how they refer to their own product on that page. :D I think you would select "I'm a new Quicken member" (funny, they don't even capitalize the name of their own software) to download the file. Once you have it downloaded and installed, and log into or create y...
by CardinalRule
Wed Feb 26, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

So I am a Quicken 2017 user (Windows) who just purchased the subscription product on Amazon. I won't do anything until next month, but the process looks like it might be a little confusing. The Amazon "software library" doesn't have a download, per se, just a code and an URL address for Quicken's si...
by CardinalRule
Mon Feb 24, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

Per camelcamelcamel.com, the Deluxe price is $29.99 at Amazon (14 months).
CardinalRule wrote:
Sun Feb 23, 2020 10:39 am
I noticed that as of February 23, Quicken Deluxe is $29.99 at Office Depot (both download and disc versions).

Premier is $44.99.

(both 12 months, as opposed to Amazon's 14)
by CardinalRule
Mon Feb 24, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity [website issues Feb 24 2020]
Replies: 46
Views: 2593

Re: Fidelity

My account is back. Not completely broke after all. :beer
by CardinalRule
Mon Feb 24, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: Fidelity [website issues Feb 24 2020]
Replies: 46
Views: 2593

Re: Fidelity

Yep, another Fido meltdown. Twitter is burning up with angry investors who are seeing balances of "zero" on fidelity.com this morning.

Thanks goodness Schwab and Wells Fargo are operating normally for me.
by CardinalRule
Mon Feb 24, 2020 8:44 am
Forum: Personal Investments
Topic: Dow Futures down 426 for Monday 2/24/20. Buying anything today?
Replies: 155
Views: 14989

Re: Dow Futures down 426 for Monday 2/24/20. Buying anything today?

It will be interesting to see where the day ends up. The Dow futures were pointing to a 770-point drop an hour before market open.

No plans to do much, although I have some protective puts on SPY (February 28) that I might sell and roll.
by CardinalRule
Sun Feb 23, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29540

Re: Quicken 2019 and forward

I noticed that as of February 23, Quicken Deluxe is $29.99 at Office Depot (both download and disc versions).

Premier is $44.99.

(both 12 months, as opposed to Amazon's 14)