Search found 110 matches

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: 2540

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: 12
Views: 920

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: 12
Views: 920

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: 863

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: 3340

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: 7
Views: 1880

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: 3340

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: 278
Views: 39982

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: 1108

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: 1322

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: 2661

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: 11503

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: 6999

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: 8394

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: 4895

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: 4895

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: 1322

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: 8394

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: 8394

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: 8332

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: 29
Views: 6336

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: 4781

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: 3011

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: 161
Views: 11503

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: 161
Views: 11503

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: 161
Views: 11503

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: 8394

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: 68
Views: 6715

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: 161
Views: 11503

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: 161
Views: 11503

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: 161
Views: 11503

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: 8394

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: 280
Views: 19265

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: 72828

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: 142

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: 72828

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: 72828

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: 72828

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: 1598

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: 5284

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: 5284

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: 2184

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: 72828

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: 1810

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: 1254

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: 7993

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: 7993

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: 1029

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: 5136

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: 819

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.