Search found 97 matches

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: 7471

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: 2653

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, ...
by CardinalRule
Sun Feb 18, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 46
Views: 2653

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

I have used the American Express Premium Car Rental Insurance in the past and think it can be a good deal, particularly for relatively long rental periods (due to its flat rate). I had one claim two or three years ago - I backed into someone at a national park (having a ranger take an accident repor...
by CardinalRule
Sat Feb 17, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1135

Re: Older iPhone slowdowns - tips or considering switching?

I went ahead with the $29 battery replacement last month for my iPhone 6s even though the Apple Genius showed me test results that indicated that the existing battery was within specs (i.e., within 80% of capacity). I finished payments on my two-year "Upgrade Plan" back in December and I want to kee...
by CardinalRule
Tue Feb 13, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7471

Re: Capital one 360 money market New $500 bonus

For the micro-deposits, it took a while in my case, with a weekend involved. I initiated the process on February 7 - likely late in the day - and did not see the small transfers until February 12. Subsequent, normal ACHs happened at normal speed. Can anyone tell me how long it took for your money to...
by CardinalRule
Tue Feb 13, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7471

Re: Capital one 360 money market New $500 bonus

I signed up for the bonus. I was happy that I did not have to unfreeze my credit for a soft pull. I am guessing that this is because I already had a relationship with Capital One - a Quicksilver credit card. I was directed to logon with my Quicksilver credentials when applying for the bonus.
by CardinalRule
Sun Feb 11, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 7153

Re: Are Password Managers Really Necessary?

A password manager is absolutely necessary for me. Way too many passwords, and I do not like short, easy-to-remember ones. I need a mobile solution and use 1Password on my iPhone, iPad, and laptop. I use local files and a strong master password. If I am ever forced to a cloud-based version, I will l...
by CardinalRule
Sun Feb 11, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: Has Seeking Alpha Become Worthless?
Replies: 20
Views: 3373

Re: Has Seeking Alpha Become Worthless?

I am a fan of Tipswatch for I-bonds too. :thumbsup
jocdoc wrote:
Sun Feb 11, 2018 1:42 pm
David Kotok"s commentaries on bonds have been helpful to me especially in regards to muni bond opportunities. Tipswatch is also a valuable read for timing I bond purchases.
by CardinalRule
Sun Feb 11, 2018 12:12 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 4400

L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

This change won't impact how I view LL Bean (although I think that quality has slipped over time for some of the things I buy there), and there are no brick-and-mortar Bean stores where I live. But I have sometimes wondered about how often folks abuse generous return rights in general. Hopefully it'...
by CardinalRule
Sat Feb 10, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2515

Re: Getting Rid of Ants in the House?

If the ants are sugar ants, I agree with earlier positive comments about Terro. We bought the "Terro T300 Liquid Ant Baits - 1 Pack" on Amazon for roughly five bucks and the product was very effective. We have had only one incident in the several years that we have lived in our home. Tiny sugar ants...
by CardinalRule
Thu Feb 08, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8867

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

Yes, it has a defined end, and I seriously doubt that this has been "altered." Everyone's copy of Quicken 2016 (Windows and Mac, US), regardless of where it was purchased, loses support as of the same date, in April 2019. (It does not matter when the product was purchased, and so there is no defined...
by CardinalRule
Thu Feb 08, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8867

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

I do not see why it would matter. Quicken 2016 is not a subscription product, and Quicken’s Discontinuation Policy does not change. https://www.quicken.com/support/quicken-discontinuation-policy Uninstalled the 2018 and restored my 2016 version that expires in May of 2019. However, on my account it ...
by CardinalRule
Tue Feb 06, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8867

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

Glad I did not uninstall my 2017 Premier and install 2018. :happy
by CardinalRule
Sun Feb 04, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7471

Re: Capital one 360 money market New $500 bonus

I got the KeyBank mailer. One restriction that I noted regarding what qualifies as a direct deposit - it is limited to “payroll, Social Security, pension, and government benefits.” I had a KeyBank checking account a couple of years ago, but I would qualify because I have not had a KeyBank account in...
by CardinalRule
Sun Feb 04, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 57
Views: 4748

Re: What backup service to use?

I use Mozy and pay $7.99 monthly for 50 GB (I back up two desktop computers). I have thought about looking for around cheaper alternatives, but I have been pretty happy with how well Mozy works, when I need to restore a file. I have unlimited photo storage with Amazon Prime, and so that keeps us fro...
by CardinalRule
Sun Feb 04, 2018 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8867

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

As others have noted, the "my account" information related to the "free" five-year subscription oddly refers to a 1-year period already. I actually like Premier 2017 compared to 2016 (mostly just the more modern look), and so I think I'll just keep that for the time being, until I see how this 2018 ...
by CardinalRule
Sun Feb 04, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8867

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

I just installed 2017 Premier very recently, to kick the subscription question can down the road, so to speak. But it seems like I should also order and download this offer (but not install it). I can't see any downside to doing so. I also successfully downloaded. I have not installed it. I disabled...
by CardinalRule
Sun Feb 04, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 157
Views: 8867

Re: Quicken's future direction - a cause for concern

[Thread merged into here, see below. --admin LadyGeek] Wow. I had not seen this. And a money back guarantee too. :wink: Thanks. How about free for 5 years? 5-Years Quicken Premier 2018 (PC Digital Download) https://i.imgur.com/nZEWV7L.jpg This is probably an error but it works, at least currently. ...
by CardinalRule
Sat Feb 03, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Capital one 360 money market New $500 bonus
Replies: 44
Views: 7471

Re: Capital one 360 money market New $500 bonus

I received a promotional flyer for this offer in the mail today. Apparently it has been extended to February 16. Seriously thinking of pulling $50,000 from American Express FSB (1.45% vs 1.40% for Capital One) to get the bonus. I have credit freezes in effect at the three major bureaus. I guess I wo...
by CardinalRule
Sat Feb 03, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14452

Re: For BHs who actually like cars - what is your daily driver?

2016 Mazda MX-5, better known as a Miata. Frugal (by sporty car standards), fun, and not very practical. :happy

But it is my daily driver.
by CardinalRule
Sat Feb 03, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 67707

Re: Quicken's future direction - a cause for concern

Saw Quicken Deluxe 2018 in my daily "Amazon.com Deal of the Day" email. Link to Amazon.com: http://a.co/hGARZE3 Not sure how the $44.99 (27 months) for the boxed software compares to what they have been selling it for already. I recently purchased and installed Premier 2017 and so I'm good for a whi...
by CardinalRule
Fri Jan 26, 2018 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: LEAPS in Europe
Replies: 1
Views: 124

Re: LEAPS in Europe

You can buy LEAPS in the U.S. for some high-volume European ADRs, like Novartis and Nokia.
by CardinalRule
Sat Jan 20, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 67707

Re: Quicken's future direction - a cause for concern

https://www.quicken.com/support/quicken-subscription-membership-faqs Neither your data nor the program itself are cloud-based. What changed is the pricing model. Bogleheads - I am curious as to what the "subscription" is with Quicken? Did the model change? Is your data stored in the cloud online no...
by CardinalRule
Sat Jan 20, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 67707

Re: Quicken's future direction - a cause for concern

So I found a $34.99 download from 2017 Premier from a site called "Intuit Digital." I found this on Google Shopping and have already received the download link. I'll report back if it does not work. :happy
by CardinalRule
Sat Jan 20, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 67707

Re: Quicken's future direction - a cause for concern

Drat. Waited too long. I was ready to order this morning, but it (Quicken Premier 2017) is gone from the two sites mentioned recently in this thread :( I just ordered Quicken Premier 2017 from bonanza.com. They are selling them for $30 there. That should put this off for two more years. Hopefully a ...
by CardinalRule
Tue Jan 16, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity American Express Card discontinuance
Replies: 10
Views: 1413

Fidelity American Express Card discontinuance

Saw this message in my inbox today at fidelity.com. I guess I had chucked the letter without reading it. Is this true, about it not having an impact on one's credit history? I have had this "gold" card for seemingly forever. American Express recently sent you a letter about the decision to discontin...
by CardinalRule
Mon Jan 15, 2018 1:02 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4895

Re: Nostalgic about old online brokerages that no longer exist

Before the E*Trade deal, I think that Brown & Co. had been acquired by Chemical Bank, which was later purchased by Chase Manhattan. And then Chase merged with JP Morgan. I liked the $5 commissions, but as I recall setting a limit order would cost you another $5. :wink: I’m nostalgic about Brown & Co...
by CardinalRule
Sun Jan 14, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 4895

Re: Nostalgic about old online brokerages that no longer exist

Really dating myself, but my first online brokerage experience was with something called PCFN, on the long-defunct Prodigy online service. PCFN was run by Pershing, a unit of DLJ. Despite a primitive interface and costly commissions by today's standards,it was pretty cool at the time. :wink: I gravi...
by CardinalRule
Sat Jan 13, 2018 1:39 am
Forum: Investing - Help with Personal Investments
Topic: mlp's Master Limited Partnerships
Replies: 26
Views: 1811

Re: mlp's Master Limited Partnerships

I own the ALPS Alerian MLP ETF (AMLP) in a retirement account (a small part of my portfolio). AMLP tracks the Alerian MLP Infrastructure Index, consisting of 25 MLPs (I think) in the pipeline and processing space. AMLP sends me a 1099, which is of course easier to deal with than K-1s from individual...
by CardinalRule
Sun Jan 07, 2018 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 67707

Re: Quicken's future direction - a cause for concern

Thanks! I was literally in the middle of composing a post to ask whether anyone had seen Quicken Premier 2017 for sale anywhere (I had not been able to find any retailers still selling it). I am interested in kicking the can down the road a little, while I ponder the whole Quicken 2018 subscription ...
by CardinalRule
Sun Dec 31, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: help me optimize new snow tires
Replies: 30
Views: 1615

Re: help me optimize new snow tires

Winter tires are soft and wear down quickly on warm, drive pavement. I wouldn't use them year-round, if economy is any kind of consideration at all. Let me propose door #3, which is what we do. Run the snows all year round. Why? 1 set of wheels/tires No extra expense No storing issues If you drive l...
by CardinalRule
Sun Dec 31, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How many years of deductions for a new DAF?
Replies: 17
Views: 1117

Re: How many years of deductions for a new DAF?

Note that for anyone pondering last-minute moves with Fidelity today, it's 2 p.m. ET.
Cash wrote:
Sat Dec 30, 2017 3:30 pm
gasdoc wrote:
Sat Dec 30, 2017 3:05 pm
There is not actually a Vanguard employee working on this process this weekend, I don't believe.
Fidelity Charitable has people answering phones until 2 p.m. today and tomorrow :).
by CardinalRule
Fri Dec 29, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7307

Re: The Economics of a new Puppy

We got Nationwide pet insurance through payroll deduction at work, also.
by CardinalRule
Fri Dec 29, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7307

Re: The Economics of a new Puppy

Chewy.con is good, although we also get things from Amazon. For those who do not know, PetSmart acquired Chewy.com earlier this year. We have a four-month-old pup and we also like taking her shooping at the local Petco and PetSmart. It is an exciting and fun learning experience for her. :happy Chewy...
by CardinalRule
Wed Dec 27, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: What's going on with Malwarebytes?
Replies: 4
Views: 968

Re: What's going on with Malwarebytes?

I ended up upgrading to the Premium version last year. I liked being able to put it on three devices (including my aging parents' desktop) and one of my main security concerns right now is ransomware, which the Premium version protects against. I also use Cybereason's RansomFree, as another layer of...
by CardinalRule
Tue Dec 26, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to accelerate paying off mortgage now that I am 57 yrs old?
Replies: 44
Views: 4916

Re: Does it make sense to accelerate paying off mortgage now that I am 57 yrs old?

We are planning to pay off our mortgage (currently $125,000) within three years. It has a maturity date of 2042 and a rate of 3%. We have been paying down a lot of extra principal on our jumbo-ish loan since 2013. In retrospect, we would have been better off investing in the stock market, but we fee...
by CardinalRule
Mon Dec 25, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: MLP questions
Replies: 6
Views: 717

Re: MLP questions

I have the AMLP ETF in my Roth IRA, in large part to avoid tedious K-1 tax reporting and possible UBIT surprises. It held EPD, last I looked. It has been tough sledding, though, since I began investing in it.
by CardinalRule
Mon Dec 25, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Confusion about prepaying property taxes
Replies: 133
Views: 13041

Re: Confusion about prepaying property taxes

True, and it will be interesting to see what the IRS ends up doing with these. But without the Executive Order, it would have been game over for the prepayments as a 2017 deduction. For the New Yorkers Announcement from : https://www.tax.ny.gov Governor Andrew M. Cuomo has signed an emergency Execut...
by CardinalRule
Mon Dec 25, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 249
Views: 35788

Re: Fidelity free Turbotax

I have been getting this for several years from Fidelity. I am an Active Trader (mainly due to selling a lot of covered calls and buying protective puts). Thanks for the heads up that the offer is posted already! I seem to mainly access Fidelity through the iOS app and Fido’s Active Trader Pro platf...
by CardinalRule
Sun Dec 24, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 4908

Re: Cheap tablet just for internet surfing

Good choice. For a few bucks more, the Fire HD 8 is much more capable than the Fire HD 7, particularly in such areas as battery life, audio quality and to some extent, screen resolution. I mainly use an iPad, but it’s the HD 8 that goes with me on the train or plane, and to the gym. OP here, ended u...
by CardinalRule
Sun Dec 24, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Internet speeds
Replies: 37
Views: 2498

Re: Internet speeds

I tend to agree. My ISP, Comcast, has a 22-55 Mbps tier that is probably ideal for many with similar needs. We are thinking of downgrading to the next tier, but we're not sure that the cost savings is worth it. I need bandwidth for work, and we also stream high-quality video. Despite only having two...
by CardinalRule
Sun Dec 24, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Donor advised fund - Fidelity or Schwab?
Replies: 9
Views: 1179

Re: Donor advised fund - Fidelity or Schwab?

Sorry for adding to an older thread, but I have not been able to find this particular information, and I am about to pull the year-end trigger on a DAF. if I were to open a DAF at Fidelity (or Schwab, for that matter), would I be able to download to Quicken as with my regular brokerage and retiremen...
by CardinalRule
Sat Dec 23, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 18686

Re: Do people still use AAA?

I think that AAA has been rendered obsolete in several ways. This includes the maps, which were a big deal at one time, when planning to travel to an unfamiliar destination. Now we have apps, navigation devices, and the internet. We dropped AAA a few years ago, when we realized that State Farm offer...
by CardinalRule
Sun Dec 17, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Downloading Transactions from Vanguard into Quicken
Replies: 14
Views: 1688

Re: Downloading Transactions from Vanguard into Quicken

I've had a 401(k) with Vanguard for seven years and its has never worked completely right with Quicken (currently 2016 Premier). My issues: Rounding - The shares for my two target-date funds are typically off by a microscopic amount after downloads, due to Vanguard's rounding convention. I just igno...
by CardinalRule
Sat Nov 18, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 41
Views: 5774

Re: Quicken 2018 for Mac [and PC Released]

Thanks for sharing the Black Friday information.

I'm currently using Quicken 2016 Premier (Windows) and am going through the pros and cons of going with the 2018 subscription or finding and buying a copy of Quicken 2017.
by CardinalRule
Sun Oct 22, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 32
Views: 5245

Re: Tub Cleaning Issue - Soap Scum

I have also had good results with commercial cleaners. Most recently, I have moved toward the "no bleach" varieties though. Like "Clorox Disinfecting Bleach Free Bathroom Cleaner." I think that other products were the cause of mysterious and permanent stains I was seeing on shirts after laundering. ...
by CardinalRule
Sun Oct 01, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Oil stains: How to treat?
Replies: 12
Views: 1602

Re: Oil stains: How to treat?

I've had pretty good luck with a product called Oil Eater. I had a tiny leak after an oil change; I was able to quickly spray and wipe every couple of days until I figured out what the problem was - a technician at a quick-lube place had not wiped down the area properly after changing the oil. One l...
by CardinalRule
Sun Sep 17, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 22
Views: 1743

Re: point and shoot digital cameras

The camera on my iPhone 6s is sufficient for almost of my purposes, and my future iPhone 8 will be even better. But after a lot of research, I bought a point and shoot camera before a trip to Alaska this summer. The powerful optical zoom (50x) on my Canon SX 530 is pretty cool and you can use manual...
by CardinalRule
Wed Sep 13, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 25
Views: 2635

Re: Potential downsides of placing a credit freeze?

One thing that I hadn't appreciated until recently - the interaction between credit freezes and credit monitoring services. The value of paid services is debatable and a different subject altogether, but if you are going to subscribe to one of these (or get one for free because of a breach), you app...
by CardinalRule
Tue Sep 12, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 3936

Re: Freezing Credit Report - Effect on Auto Insurance

Interesting question; I'll want to check with our longtime insurer (State Farm) on this. We froze our credit reports before the Equifax breach, but only this year. From the AG website of my state (emphasis added): A security freeze means that your credit file cannot be shared with potential creditor...