Search found 145 matches

by CardinalRule
Mon Oct 15, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: New Snowbird- Tucson AZ
Replies: 21
Views: 3313

Re: New Snowbird- Tucson AZ

Totally agree - a beautiful, scenic desert in that area. The drive from Apache Junction to Superior is also very pretty, once the OP does find a place to stay. For a scenic drive, go past the Oracle area, past the giant copper mining pit, to Superior then turn right towards Miami & Globe. In Miami t...
by CardinalRule
Mon Oct 15, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: Question about Market Cap and Shares Outstanding
Replies: 1
Views: 142

Re: Question about Market Cap and Shares Outstanding

Share repurchases actually impact the market capitalization calculation (although in your example, the market price would be expected to increase as a result of the 20% repurchase). The market capitalization of the company would be 800 shares x market price of the stock. Market capitalization also i...
by CardinalRule
Sat Sep 29, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2399

Re: Amex premium car rental insurance not kicking in

I no longer have this coverage (it was attached to the Fidelity Gold Card that was phased out earlier this year), but this is consistent with my previous experience. When I rented from Hotwire, I needed to call Amex to get the coverage. Evidently the card issuer - or at least the insurance arm - can...
by CardinalRule
Wed Sep 19, 2018 1:34 am
Forum: Investing - Theory, News & General
Topic: How can I buy ALIBABA and TENCENT stock?
Replies: 29
Views: 2629

Re: How can I buy ALIBABA and TENCENT stock?

If you like China and these two companies in particular, consider the China MSCI ETF for a little more diversification. These two stocks are the biggest holdings. https://www.ishares.com/us/products/239619/ishares-msci-china-etf How can I buy ALIBABA and TENCENT stock directly? I know for sure I'm n...
by CardinalRule
Mon Sep 17, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Helping my dad with his IRA
Replies: 16
Views: 1280

Re: Helping my dad with his IRA

Wow - that's quite a rate from an NCUA-insured credit union. I might be more comfortable if I lived in one of those Florida counties with physical branches, but that's probably just me, with institutions I don't know. Given that this would be an IRA rollover, it might be worth asking whether the rat...
by CardinalRule
Sun Sep 16, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Parent's variable annuity - rollover?
Replies: 6
Views: 365

Re: Parent's variable annuity - rollover?

There have been many disbursements over the years. For example, I can see that they took out $500 a month from 2003-2005 and plenty of irregular disbursements in other years, like $11,000 in 2008. OP. If you don’t care to answer-fine. How can the value be so very little? It is just stunning.
by CardinalRule
Sun Sep 16, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Parent's variable annuity - rollover?
Replies: 6
Views: 365

Parent's variable annuity - rollover?

So I'm continuing to get a handle on my parents' finances, and I came across a contract with a smallish balance that my father (who is in his 80s) had entered into years ago (evidently via Raymond James) and had made withdrawals over the years. I got online access with the annuity company, Genworth,...
by CardinalRule
Sun Sep 16, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6315

Re: Paying off mortgage with 87K left on it

Congrats to the OP also! We're $60k away (we have made lots of extra-principal payments on our 2012 loan) and could pay it off easily with funds in a brokerage account. We keep telling ourselves that the rate is only 3% and cheap money, but I do think that there is a big psychological benefit to get...
by CardinalRule
Sun Sep 16, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 4570

Re: WSJ print edition renwal time - any discounts?

:happy Good point. I wonder how the Amazon print+digital deal linked above works. The page says that the offering is from "Dow Jonesss," (sic) but if you drill down further, the third party seller is someone called Honest Buckeye. I wonder if he is? OP wants the print edition, as his post makes clea...
by CardinalRule
Sun Sep 16, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1926

Re: Cell phone insurance

You're right. Per the Wells terms and conditions: Cellular Telephone Protection can reimburse the eligible Wells Fargo Consumer Credit Card cardholder for damage to or theft of a cell phone. This benefit does not cover cell phones that are lost (i.e. disappear without explanation). I think it might ...
by CardinalRule
Sun Sep 09, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6315

Re: Paying off mortgage with 87K left on it

The real issue is the higher standard deduction. With $7,000 in property taxes and a smallish mortgage balance, no interest deduction seems likely. That said, I tend to agree with the posters who think you might be overanalyzing this a bit. I am not seeing a lot of downside to paying it off. You cou...
by CardinalRule
Sun Sep 09, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off mortgage with 87K left on it
Replies: 69
Views: 6315

Re: Paying off mortgage with 87K left on it

I don't think it would change your analysis that much, but are you sure that you will be itemizing this year, given the changes in tax law? Now to the question. With just 87K left on the mortgage, I've hit the paradox point where despite the fact that the majority of mortgage interest is already in ...
by CardinalRule
Sat Sep 08, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Helping aging parents (in another state) with housing and care?
Replies: 11
Views: 1304

Re: Helping aging parents (in another state) with housing and care?

Thanks for all the feedback. We definitely have some more ideas to think about now, including downsizing possibilities, house-purchase alternatives, and a little more focus on what the parents themselves really need and want.
by CardinalRule
Mon Sep 03, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Finding rental house or apartment in Redmond, WA
Replies: 3
Views: 331

Re: Finding rental house or apartment in Redmond, WA

So true. :happy Pho places have seemingly become as common as teriyaki places. And in the greater Seattle area, that's really saying something. :wink:
Whakamole wrote:
Mon Sep 03, 2018 12:07 pm

I don't think there is a location in the greater Seattle area that does not have a pho place within ten miles.
by CardinalRule
Mon Sep 03, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5202

Re: $200 cash bonus offer from Citi

That's remarkable. I'm assuming that none of these institutions does a hard credit pull? I recently took advantage of a bonus deal with Key, which didn't do a credit check, as far as I could tell. I don't know if that is Key's policy, or the result of my having had a Key account four years ago (when...
by CardinalRule
Sun Aug 26, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Helping aging parents (in another state) with housing and care?
Replies: 11
Views: 1304

Helping aging parents (in another state) with housing and care?

This is something I've been struggling with for a little while, and I would love some input or shared experiences. My parents are 75 (mother) and 80 (father) and live in New Mexico. They are in reasonably good health, other than my father's arthritic ankles which are making it increasingly difficult...
by CardinalRule
Sat Aug 25, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Need recommendation for home alarm system
Replies: 48
Views: 4338

Re: Need recommendation for home alarm system

We were already with Comcast for phone, TV, and internet, and adding home security caused our price to go down. Typical of Comcast's weird pricing - we once asked how much our bill would go down if we were to drop the phone service, and they told us it would actually go up. :oops: We only use the do...
by CardinalRule
Sat Aug 25, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2095

Re: When do you replace a working desktop computer?

If you do replace your desktop, consider getting an SSD drive. This will extend the time for your next purchase. I replaced our two desktops about 18 months ago. For me, the analysis was similar to the one for cars. Our computers were well-maintained, running OK, and capable of running for quite a w...
by CardinalRule
Tue Aug 21, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1926

Re: Cell phone insurance

That's what I use - a Wells Fargo credit card: https://www.wellsfargo.com/credit-cards/features/cell-phone-protection/ Never have had a claim, but it's good to know there is some coverage. The protection does not cover "lost" or stolen phones. Get insurance if it’s free. Wells Fargo credit cards off...
by CardinalRule
Sat Aug 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13738

Re: Teachers Who Have Net Worth of $1 million +

Wow. That's crazy. :o Your state (Illinois) has an absolute incredible pension for teachers who are tier 1 (2010 and before). My high school baseball coach and PE teacher makes 130k a year from his pension and it goes up every year by 3% at least. It’s truly an incredible benefit, that unfortunately...
by CardinalRule
Fri Aug 17, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1735

Re: Free Tire Change of Flat

Ironically the percentage I was remembering seems to have originated with AAA itself. I wonder if the percentage is based on the number of brands and models, rather than the number of vehicle units on the road? :confused I was shopping for a BMW 3-Series last year (ended up not getting one) and they...
by CardinalRule
Fri Aug 17, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 29
Views: 1528

Re: What to do in Seattle around Christmas?

I know that the little Sol Duc resort closes at some time in October.
letsgobobby wrote:
Fri Aug 17, 2018 9:15 am
Kalalich, quinault, lake crescent, hoh river are all near sea level and all are open year round. Not sure about Sol Duc hot springs but that is fun for the whole family.
[/quote]
by CardinalRule
Fri Aug 17, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1735

Re: Free Tire Change of Flat

I wonder what AAA (or roadside assistance from insurance companies or credit cards, for that matter) does for cars that don't have a spare?

My recollection is that perhaps one-third of all new cars don't come with a spare tire.
by CardinalRule
Fri Aug 17, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 29
Views: 1528

Re: What to do in Seattle around Christmas?

A couple of these have been mentioned, but my list, if you are willing to get out of Seattle proper would include: Zoolights at Point Defiance Zoo in Tacoma https://www.pdza.org/event/zoolights/ The aforementioned Christmas Ship Festival (don't wait until the last minute; spots on the lead boat go q...
by CardinalRule
Mon Aug 13, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2583

Re: What's the reason you would buy reading glasses at...

Also if you need a different correction for each eye.
Bengineer wrote:
Mon Aug 13, 2018 7:15 am

If you have significant astigmatism, you'll likely be better served by prescription glasses for near vision.
by CardinalRule
Mon Aug 13, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2711

Re: Junk Mail

For our household, by far the most common source of bulk mail is the non-profit world. We have given pretty regularly over the years to about 8 charities engaged in poverty fighting, medical research, environmental protection, and animal welfare, and these groups have apparently shared our address w...
by CardinalRule
Sun Aug 12, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 2120

Re: Joint checking accounts.

The same is true for us, and substantially all of our household expenses come out of our joint account. The three pots is just the way we have chosen to manage our finances and discretionary spending. We were both established professionals, and in our early 30s when we married. That may be part of w...
by CardinalRule
Sun Aug 12, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 2120

Re: Joint checking accounts.

My wife and I both work and we have separate checking accounts to which direct payroll deposits go. Twice a month,we each transfer 50% of our take-home pay to our joint checking account.

I think what we do is sometimes called the "three pots" system.
by CardinalRule
Sun Aug 12, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5229

Re: How often do you check your brokerage accounts

This is basically my situation also, although doing a Quicken one-step update is part of my morning routine. For the brokerages, I am basically "checking" to see that transactions are accurate and authorized each day, rather than reviewing performance. Depends on the meaning of "check". We download ...
by CardinalRule
Fri Aug 10, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)
Replies: 17
Views: 1653

Re: Amazon Fire 8 HD tablet with Alexa 32 GB for $59.99 (limited time offer)

I agree with the comments regarding the inherent imitations of Amazon's tablets. However, if one is looking for a bargain tablet, the Amazon tablets are a good choice. I would definitely go with a Fire 8 HD over the 7, however. I have an 8 HD and briefly had the 7. The 8 HD's storage, display and ba...
by CardinalRule
Wed Aug 08, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Best Fidelity Money Market Account to Hold Cash?
Replies: 13
Views: 2104

Re: Best Fidelity Money Market Account to Hold Cash?

I'm interested in this fund and am looking further into it. Currently I am parked in a Fidelity muni money market fund (FTEXX), but FZDXX is looking like a better choice, even after taxes. Fidelity has several institutional money market funds but for the non-institutional investor, the prime money m...
by CardinalRule
Sun Aug 05, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2182

Re: How to Learn Italian (a little) Before Trip to Italy

I used his audiobook for a trip to Spain last year. I found it easy to listen to and quite useful. I'll probably get Noble's Italian audiobook soon, as we have an Italy trip this fall. Our Italy trip, like the Spain one, will follow well-traveled tourist routes, with English spoken quite a bit, I'm ...
by CardinalRule
Sun Aug 05, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1293

Re: Best way to send flowers out of town

I've had even worse luck with FTD. Some customers say that FTD stands for "Failed to Deliver," and this happened to me on two consecutive Mothers Days. After the second incident, never again. I've had good luck with the websites of researched, local florists, in addition to calling them direct. Look...
by CardinalRule
Sat Jul 21, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)
Replies: 33
Views: 6981

Re: anyone living in central america?(Nicaragua, Costa Rica, Panama, Belize...)

There was an interesting article in the Wall Street Journal this past week (July 20 I think), entitled "‘Pack Up and Get Out’: Nicaraguan Unrest Shakes U.S. Expat Community." The subtitle is "Thousands of Americans flocked to Nicaragua in search of a cheap, safe and tropical locale. A violent uprisi...
by CardinalRule
Sat Jun 30, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Missed RMD - IRS penalty waiver process?
Replies: 13
Views: 1395

Re: Missed RMD - IRS penalty waiver process?

So my parents' missed RMD saga seems to have come to a happy end. First, I used TurboTax to prepare an amended Form 5329. (Why I didn't use TurboTax in the first place, rather than just manually filling the form in, I'll never know. The program inserts "RC" and "see statement" in an appropriate plac...
by CardinalRule
Thu Jun 21, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: Ex-dividend days: Is there typically anything out of the ordinary?
Replies: 34
Views: 3001

Re: Ex-dividend days: Is there typically anything out of the ordinary?

One thing that I have noticed repeatedly - early exercises of in-the-money call options on the night before the ex-dividend date. This most often happens when the call I have written has an expiration that is just a few days away (i.e., there is not much time value).
by CardinalRule
Wed Jun 20, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Missed RMD - IRS penalty waiver process?
Replies: 13
Views: 1395

Re: Missed RMD - IRS penalty waiver process?

Aargh - I was not aware of the specific instructions highlighted by Katietsu. :oops: I just filled out the form, as put it, by looking at it. And so I'm guessing the accompanying letter of explanation was never looked at. Hopefully someone else can learn from my mistake. I wonder if it is possible a...
by CardinalRule
Wed Jun 20, 2018 1:41 am
Forum: Personal Finance (Not Investing)
Topic: Missed RMD - IRS penalty waiver process?
Replies: 13
Views: 1395

Missed RMD - IRS penalty waiver process?

I have been begun helping my elderly parents with their finances over the past couple of years. At the very end of 2017, I realized that they had not taken an RMD from their IRA during the year. I went to the custodian's website on the last business day of the year to process the RMD and realized th...
by CardinalRule
Fri May 25, 2018 1:53 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 10
Views: 1026

Re: Quicken Alternatives

Money Plus Sunset Deluxe is indeed available. It's not for me, as I rely quite a bit on Quicken's online capabilities and use the program daily. MS Money is a free downloadable software package for Microsoft Windows that does what Quicken does. It was not mentioned in this thread yet. I use MS Money...
by CardinalRule
Sun May 20, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 29
Views: 3603

Re: Computer Remote Access

Wow - no kidding. Great suggestions in this thread, folks. So far, I have experimented quite a bit with Chrome Remote Desktop (after enabling my parents' computer for Chrome Remote Desktop using Logmein while I still have it available). I ave been pleasantly surprised with how well it is working for...
by CardinalRule
Thu May 17, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Microsoft adding stock quote functionality to Excel
Replies: 12
Views: 3610

Re: Microsoft adding stock quote functionality to Excel

Looks like the stock feature will only be available for Office 365 subscribers. And not for the standalone "perpetual" Excel 2016 license. :(

https://www.fm-magazine.com/news/2018/m ... 18706.html
by CardinalRule
Thu May 10, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Computer Remote Access
Replies: 29
Views: 3603

Re: Computer Remote Access

Any updated views on this topic? My main need is parents' remote tech support :happy on Windows 10, and LogMeIn (for individuals, 2 computers) has worked flawlessly. It is very expensive, though, and my usage level doesn't come close to justifying the $349.99 renewal fee (I must have been on some so...
by CardinalRule
Sat May 05, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 603
Views: 88125

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Wow, my months-long 2018 CR-V vs. RAV4 vs. CX-5 shopping analysis just got narrowed down a bit.
by CardinalRule
Sat Apr 21, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Basic PC - HP Pavillion All in One?
Replies: 23
Views: 1247

Re: Basic PC - HP Pavillion All in One?

I have a somewhat similar all-in-one (24-a010t) and love it - both performance and looks.

I did add a speaker (Bluetooth - love the lack of cords with my setup :happy) for better sound.
by CardinalRule
Sat Apr 21, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Strategy for Use of Restricted Stock Units
Replies: 18
Views: 1491

Re: Strategy for Use of Restricted Stock Units

The price of the stock on the date the RSU vested very much matters, of course, for the capital gain or loss calculation. Selling immediately makes sense for many, if not most people. On the other hand, my employer's stock has been on quite a run in recent years, and I sometimes think about might ha...
by CardinalRule
Sat Apr 21, 2018 12:45 am
Forum: Investing - Help with Personal Investments
Topic: I Bonds - now or later in the year?
Replies: 17
Views: 3012

Re: I Bonds - now or later in the year?

The latest Tipswatch piece on Seeking Alpha points to waiting until May 1 (if not November) if the fixed rate is most important to you. I'll likely buy $5000 after the May reset and $5,000 after the November reset, but the writer points out that the impact is small either way - "an increase of 0.1% ...
by CardinalRule
Sat Apr 07, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 13628

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Received this email yesterday, two months after the 5-year, free subscription saga on this forum. In my case, I never actually used Quicken 2018 after "buying" the erroneous offer. Online services under my standalone Quicken 2017 Premier are unaffected by this expiration, as I expected. Your Quicken...
by CardinalRule
Sun Mar 11, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 7562

Re: Online High yield savings account for emergency funds

I've had an American Express "High Yield Savings" account for quite a while, primarily as an emergency fund, and have been happy for the most part. As with any savings account, you are limited in terms of how many withdrawals you can make. The rates are competitive, but if Quicken is important to yo...
by CardinalRule
Wed Feb 21, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 9094

Re: Capital one 360 money market New $500 bonus

One of my favorite Quicken downloads ever. Loved the quick fulfillment on this deal. :happy

Image
by CardinalRule
Sun Feb 18, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 6693

Re: Signed up for American Express - "Premium" car rental insurance

Actually, I think that the terms of most credit card policies do cover loss of use - in theory. The problem can then become a documentation exercise, in which the credit card issuer wants utilization logs and the rental agency can't - or won't - provide them. The renter can get stuck with the fees, ...