Search found 112 matches

by newbie003
Thu Aug 30, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: What site/brokerage/app, etc. is best for investing small amounts?
Replies: 4
Views: 431

Re: What site/brokerage/app, etc. is best for investing small amounts?

It would help if you explain the underlying purpose of what you're doing. Are you trying to introduce your son to best practices for accumulating wealth, or are you using this as a springboard to educate him on equity markets, financial statements, etc...? If you're looking to get him started on a ...
by newbie003
Wed Aug 29, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: What site/brokerage/app, etc. is best for investing small amounts?
Replies: 4
Views: 431

What site/brokerage/app, etc. is best for investing small amounts?

I've done a lot of searching through the forums and online, and still can't figure out the best (essentially, cheapest/not wasting money on fees) company to use for investing small amounts (especially with the ability for partial investments). In other words, we want to give our son (to start) $1,00...
by newbie003
Sat Aug 11, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Switching broker, how to track cost basis for hundreds of small lots
Replies: 2
Views: 422

Switching broker, how to track cost basis for hundreds of small lots

I'm most likely switching my parent's accounts from TD to E*Trade (for various reasons, not the subject of this post). My question is; how can I best track the cost basis after the move? I know I can edit it in E*Trade, but they have several holdings which they've had for 10+ years, reinvesting divi...
by newbie003
Wed Aug 08, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

Re: What (simple) desktop to buy

Thanks for all the input everybody. While I like the idea of the chrombox or the NUC (and might look into that for my kids), for my dad, I just want to keep it simple with a traditional windows pc from dell, hp... I'll keep an eye on any great deals from dell, and will monitor their outlet as well....
by newbie003
Wed Aug 08, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

Re: What (simple) desktop to buy

Thanks for all the input everybody. While I like the idea of the chrombox or the NUC (and might look into that for my kids), for my dad, I just want to keep it simple with a traditional windows pc from dell, hp... I'll keep an eye on any great deals from dell, and will monitor their outlet as well. ...
by newbie003
Wed Aug 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

Re: What (simple) desktop to buy

Earl Lemongrab wrote:
Wed Aug 08, 2018 2:05 pm
mega317 wrote:
Wed Aug 08, 2018 9:47 am
You could also just try adding an SSD and upgrading the RAM.
That was my thought. Depends a bit on the features of the current computer.
I'm assuming it's more of a 'windows gets bogged down after many years' type of thing. But maybe I'll try an SSD/RAM to see if that helps.
by newbie003
Wed Aug 08, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

Re: What (simple) desktop to buy

Any thoughts on this: http://outlet.us.dell.com/ArbOnlineSales/Online/SecondaryInventorySearch.aspx?c=us&cs=22&l=en&s=dfh&sign=PXhcOSHtr1T4IOw%2fPR7UdeNswHza5Yf4jvGaHb%2fgP1VmRVEMqEskpiPmo2W7twq9EZqe2JnIjb2Jm8Y8Sl%2f2UK6iJ9tZYzjtK52JgfdbEdBPM6cWRWOZx2Xrwrctkz6HIJezrS1LwA8GH%2bEZ%2bSTzlRPX8Vi%2bmJzQ%...
by newbie003
Wed Aug 08, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

Re: What (simple) desktop to buy

In what way has he had enough? What are the current specs? A 6 year old computer should be able to easily handle what he's doing. I would buy a used old computer, maybe not 6 years old. Here's one of the first hits I found in a search, it's $270. https://www.newegg.com/Product/Product.aspx?Item=N82...
by newbie003
Wed Aug 08, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

Re: What (simple) desktop to buy

At the dell outlet, are you getting refurbished, or just overstock/old?
by newbie003
Wed Aug 08, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1358

What (simple) desktop to buy

My dad (71 years old, ok with computers), has finally had enough of his 6+ year old desktop. He pretty much only uses it for Thunderbird (synced via IMAP to gmail), Word, Excel & Chrome. Any thoughts on these: https://www.officedepot.com/a/products/653277/Dell-Inspiron-Desktop-PC-AMD-Ryzen/ https://...
by newbie003
Tue Aug 07, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 974

Re: Should I close a newly opened card that I no longer use?

retiredjg wrote:
Tue Aug 07, 2018 7:59 am
You can transfer the available credit to another card?
Yes, they told me I could do that (as I have other, existing cards at the particular bank, Chase).
by newbie003
Tue Aug 07, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 974

Re: Should I close a newly opened card that I no longer use?

Thanks everybody. I'll go ahead and close it out (once I transfer the available credit to another card).
by newbie003
Mon Aug 06, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 974

Re: Should I close a newly opened card that I no longer use?

I wouldn't keep it, ESPECIALLY with a fee. Some companies say you can't earn rewards again for 24 months after you open or CLOSE an account (though they don't seem to be as strict on the closing part), so if you want to cycle this one every two years it might be even more worth it. We do this a cou...
by newbie003
Mon Aug 06, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 974

Re: Should I close a newly opened card that I no longer use?

Thanks so far for the responses, but a quick update/further info; I already have several/many cards, so I don't need another for any reason at all (the reasons some of you have listed are quite valid, they just don't apply to me). I'm really only trying to figure out if there's any downside, in term...
by newbie003
Mon Aug 06, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 974

Should I close a newly opened card that I no longer use?

I have a really high credit score and normally don't like to open any new credit cards. I made an exception as there was one card in particular that was offering a really good reward. Now that I have the reward, I can close the account. I did notice that my credit took a bit of a dip after I opened ...
by newbie003
Wed Jul 25, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1677

How early to get to an airport (JFK specifically) for domestic flight

In reality, how early do I need to arrive for a domestic flight? It's at 3:15 PM, I believe boarding starts at 2:30.

We'll check-in online, and only have carry-on.

Thanks!
by newbie003
Fri Jul 20, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Best way to setup/configure Echo Spots for the kids
Replies: 2
Views: 159

Best way to setup/configure Echo Spots for the kids

Just bought 2 echo spots (one for each kid to put in their rooms). Probably should have just gotten dots, but whatever, it was a good prime day deal... In any case, I just set them up/registered them under my Amazon account. I don't see any obvious way to restrict access to the devices (not sure wha...
by newbie003
Tue Jul 10, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1559

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Tue Jul 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 7502

Re: How to remove garden hose nozzle that is stuck on a hose

Just an update that I finally got around to trying something. I bought this: https://www.amazon.com/gp/product/B0008 ... UTF8&psc=1

I used a saw to cut off the old hose end, attached the item above and (not to jinx it), so far so good!
by newbie003
Tue Jul 10, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1559

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Wed Jul 04, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1559

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Tue Jul 03, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1559

iPhone: difference between icloud photo library and icloud backup

Question; what's the difference between enabling icloud photo library, and selecting photos as part of the icloud backup? I assume they both use the same amount of storage which comes out of my icloud plan (which i'd upgrade to the 200GB). I assume the only difference is that icloud photo library al...
by newbie003
Tue Jun 12, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 256

Re: E*Trade IPOs

David Jay wrote:
Tue Jun 12, 2018 12:27 pm
I suspect that BH is not the best source for IPO information. As a forum, we tend to have minimal holdings in individual stocks.
Good point, thanks.
by newbie003
Tue Jun 12, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 256

E*Trade IPOs

Has anyone had any luck in getting shares of IPOs via E*Trade? I've had sporadic luck in the past (much better years ago, not so much the past couple).

Thanks.
by newbie003
Thu May 31, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 333

Re: Need help with 401k portfolio

I feel that the target funds are out due to their fees (and thank you for reminding me about the higher fees on some of the other funds I like).

Still reading through your posts.
by newbie003
Thu May 31, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 333

Re: Need help with 401k portfolio

I added the expense ratios above and will read your responses momentarily. Thanks!
by newbie003
Thu May 31, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 333

Need help with 401k portfolio

Am 42, with about half my net work in my old company's 401k at Fidelity. Would like this half of my net work to be allocated assuming I have no other holdings elsewhere (and therefore not worry about how those other funds are allocated). For this exercise, I want to assume these are my only holdings...
by newbie003
Thu May 31, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: High Yield savings accounts recommendations
Replies: 14
Views: 1939

Re: High Yield savings accounts recommendations

Does anyone have any experience with United Bank (https://www.bankatunited.com/Landing/Advantage-Money-Market)? It's at 1.95% right now. I'm currently at Amex personal savings (1.6%), with about $20k, so for the extra $40/year (and then more with compounding) I'm not sure it's worth the slight hassl...
by newbie003
Wed May 30, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Pimco total return (PTTRX) ??
Replies: 19
Views: 1800

Thoughts on Pimco total return (PTTRX) ??

My 401k has PIMCO Total Return Fund Institutional Class (PTTRX) as an option. I'm intrigued, as it has a 7.23% CAGR since June 1987 (according to www.portfoliovisualizer.com) though very weak performance lately. It's only been down a few times since 1987 (and never more than a few %). Any thoughts a...
by newbie003
Mon May 14, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Need help creating time laps video using nest cam outdoor
Replies: 1
Views: 215

Need help creating time laps video using nest cam outdoor

I could use some creating a time laps using nest cam outdoor. I know how to create a time laps, but I'm trying to go back the maximum (10 days) that's recorded on my plan. As best I can tell, I have to keep dragging the blue bar on the bottom to the left, but it only goes a few 'ticks' at a time. I ...
by newbie003
Fri May 11, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3723

Re: Do I need to unfreeze my credit before applying for a new card?

Since I didn't unfreeze my credit, I received a letter in the mail from the credit card company asking for a PIN from experian. It was very easy to obtain one. I then called the # on the letter and gave them the PIN. They said they got what they needed and will let me know. Thanks again for all the ...
by newbie003
Wed May 09, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3766

Re: Which cordless weed whacker to buy?

I've been happy with this one (rechargeable battery operated):

https://www.amazon.com/gp/product/B00HH ... UTF8&psc=1
by newbie003
Wed May 09, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3723

Re: Do I need to unfreeze my credit before applying for a new card?

On a related note, it seems that Equifax and Transunion I can unlock for free, but Experian has a fee (at least here in CT). Is that your experience as well? I can't recall if I paid to lock it, but if I have to pay to unlock it (temporarily to get credit) and then pay to lock it again...that's of c...
by newbie003
Tue May 08, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 7502

How to remove garden hose nozzle that is stuck on a hose

I have tried wd40, pliers, etc... and I cannot get my hose nozzle to budge. Any thoughts?
by newbie003
Tue May 08, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3723

Do I need to unfreeze my credit before applying for a new card?

I have my credit 'frozen' (I went to each of the 3 agencies and froze/locked my credit). Do I need to unfreeze it at each company before applying for a new credit card?
by newbie003
Tue May 08, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs. E*Trade website
Replies: 3
Views: 281

TD Ameritrade vs. E*Trade website

How do you all feel, overall, about the TD website vs. the E*Trade website? I've been with E*Trade for 12 years or so (but did have TD before that), and my parents are still at TD. I absolutely hate, hate, hate the TD website. I find it extremely cumbersome/difficult to pull up a simple history, fin...
by newbie003
Wed Apr 04, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Need advice concerning large gmail (IMAP) account
Replies: 2
Views: 381

Need advice concerning large gmail (IMAP) account

I need some help. My boss retains and requires modestly quick access to literally every email he's ever sent/received (going back about 10 years). He has about 200k (yes, 200,000 emails) in his Gmail all mail folder (about 65 GB) and another 72k (25 GB) in his Sent folder. We currently have it setup...
by newbie003
Mon Mar 26, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2164

Re: Recurring brake rotor problem

Thanks everybody. they didn't have much info (that they'd tell me anyway) in their notes from last time. I'll go ahead and replace the pads (my cost) while they do the rotors (under warranty). I made sure to have them tell the manager (for whatever that will do) that I want it to be well documented ...
by newbie003
Mon Mar 26, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2164

Re: Recurring brake rotor problem

Car sits outside. Is driven every day. I've never experienced anything like this with prior vehicles :(
by newbie003
Mon Mar 26, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 2164

Recurring brake rotor problem

I've been having an issue with our 2014 Buick Enclave, where last year we had to have the brake rotors ground(?) as they were causing a grinding sensation when braking.  A year later it's doing it again. Buick says they'll fix the rotors for free again (still under warranty) but they now say I need ...
by newbie003
Thu Mar 22, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1625

Re: Fuel additives

Thanks all. I generally use top tier gas, and have somewhat lower mileage cars, so I guess I'll save my money :)
by newbie003
Thu Mar 22, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1625

Fuel additives

Are these of any real value?  Years ago I was always told there was no reason to use any sort of additive of any kind.  But I see a lot of products now with hundreds of great reviews, and am wondering if I should be using something.  In particular I was looking at: https://smile.amazon.com/dp/B0097S...
by newbie003
Tue Mar 20, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VDC ?
Replies: 1
Views: 323

Thoughts on VDC ?

Hi all. Several years ago I discovered the VDC (VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER STAPLES) ETF. I really liked it as it seemed to outperform in market dips (i.e. it didn't decline nearly as much as the SPY during the '09 crash) and match/outperform in good times as well (from the bottom of...
by newbie003
Tue Mar 13, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1475

Re: Child's tax return question / parents form 8615

Thank you again. I was able to pull up my sons 8615 and manually enter, on line 10, my tax. I don't think I was getting that option during the interview part. This then reduced the nearly $13k it was saying my son owed, to just over $100 (i.e. $117 in kiddie tax). I think I'm all set! Thank you so m...
by newbie003
Tue Mar 13, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1475

Re: Child's tax return question / parents form 8615

I just looked at my 8615 Worksheet (my daughter pays kiddie tax for 2017), and it's even simpler than I just described, since all the lines with numbers filled in tell you where the number comes from. For example, line 1a is "Parent's taxable income from form 1040, line 43 ...". You can open the 86...
by newbie003
Tue Mar 13, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1475

Re: Child's tax return question / parents form 8615

Hi all. Just following-up again, as I'm attempting to finish returns. I am filing a separate return for my son, and I'm at the point where the H&R Block software says: Child with Unearned Income Because this return is for a taxpayer under age 24, with unearned income over $2,100, we'll help you dete...
by newbie003
Wed Mar 07, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Google calendar alerts (using chrome browser on pc) working differently
Replies: 5
Views: 613

Re: Google calendar alerts (using chrome browser on pc) working differently

I had the same issue. Found this workaround fixed it for my calendar in Chrome so I get the pop-ups again like I used to even when the calendar tab is just another tab that I am not on. https://productforums.google.com/forum/#!topic/calendar/b6AJ3PdQs_k;context-place=topicsearchin/calendar/interrup...
by newbie003
Tue Mar 06, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Google calendar alerts (using chrome browser on pc) working differently
Replies: 5
Views: 613

Google calendar alerts (using chrome browser on pc) working differently

Ever since google forced me to update to their new calendar (with no more option to revert back), I've noticed that notifications (i.e. I have many items set to notify me 10 minutes before the time), no longer work like they used to. In the past, even if I wasn't in Chrome, 10 minutes before an even...