Search found 96 matches

by Invest4lt
Mon Nov 04, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1648

Re: Cell phone service

TMobile 55+ Plan has unlimited text, data and talk. Two lines $60, including all taxes and fees. Plus international calling and WiFi call. I think they can throttle data speeds at some point around 36 gigabytes. Btw, only one line needs to be for someone over 55. No age restrictions for the second ...
by Invest4lt
Sun Nov 03, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1648

Re: Cell phone service

TMobile 55+ Plan has unlimited text, data and talk. Two lines $60, including all taxes and fees. Plus international calling and WiFi call. I think they can throttle data speeds at some point around 36 gigabytes. Btw, only one line needs to be for someone over 55. No age restrictions for the second l...
by Invest4lt
Sun Oct 27, 2019 6:00 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13790

Re: Chase $750 for depositing 75K

I upgraded an existing account at a branch. The whole process took about 5 minutes, including getting a written confirmation of the upgrade and $1000 offer. I was quite pleased with the service. You Invest brokerage accounts do quality, but they have to be serviced by a FA or Private Client Adviser...
by Invest4lt
Sat Oct 26, 2019 5:19 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 88
Views: 13790

Re: Chase $750 for depositing 75K

I upgraded an existing account at a branch. The whole process took about 5 minutes, including getting a written confirmation of the upgrade and $1000 offer. I was quite pleased with the service.

Edited for clarity.
by Invest4lt
Sun Oct 20, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny in Bay Area
Replies: 8
Views: 1472

Re: Nanny in Bay Area

Not sure if you are joking about taking paternity leave to presumably bond with your child but simultaneously hiring a nanny to care for the child?

This might make sense if you plan to have a nanny long term and the 4 months are a lengthy, supervised interview or trial period?
by Invest4lt
Sun Oct 20, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 4882

Re: Updgrade car for new safety features?

I’m not sure this is the board to ask this type of question. No disrespect intended but the folks here tend to be pretty conservative financially and in regards to technology. Take a look at the cell phone threads. Perhaps the best thing to do is test drive a new car and get a feel for the new featu...
by Invest4lt
Tue Oct 15, 2019 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Breach Settlement - Email?
Replies: 6
Views: 621

Re: Equifax Breach Settlement - Email?

I got an email also. Not sure why since I also signed up for the monitoring a few months ago.
by Invest4lt
Sat Oct 12, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer shopping: Best Buy cheaper than Costco
Replies: 20
Views: 1562

Re: Washer/Dryer shopping: Best Buy cheaper than Costco

Have you compared return policies? If this is important to you, the BB is only 15 days.

https://www.bestbuy.com/site/help-topic ... 0800050014
by Invest4lt
Fri Sep 27, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6333

Re: Do you wash berries?

A quick Google search is your friend. For instance, Discolls recommends washing before serving:
https://www.driscolls.com/about/faq

I always wash fruit and vegetables.
by Invest4lt
Thu Sep 19, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8218

Re: How to handle "split-the-bill" group lunches?

Venmo. Once person puts the bill on their credit card. Everyone else Venmos that person for what they ate + their share of the birthday girl's meal. Agreed. I’m guessing this is a generational issue since this problem has already been solved with technology. Install the Venmo App (along with your g...
by Invest4lt
Sun Sep 15, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9367

Re: Do You Tip At Counter Service Restaurants?

Absolutely not. There is really no reason for tipping in such places. If you want to reward your barista for doing a good job with your drink, drop some change in the tip jar. But asking for tips before any service is totally nonsensical. And I tip very generously under normal circumstances with ta...
by Invest4lt
Sat Sep 14, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6589

Re: Do you trust Microsoft updating your Windows 7 machine?

There's no way I'd value trying to prevent Microsoft obsolescence over keeping up with potential security threats. Unfortunately, if you plan to be connected to the internet, nothing stays perfectly good forever. ..... Quite frankly, I'm amazed as the people on here seem to be very good caretakers ...
by Invest4lt
Sat Sep 14, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 51
Views: 8665

Re: Vanguard Flagship Services -- Another One Bites the Dust

Not surprising. As another poster has mentioned, one cannot expect Nordstrom service AND Walmart prices. Pick one, as you aren't likely to have both with one company. I have chosen the Walmart model for our portfolio, and to me Vanguard is fine. I would rather have lower ERs than a collection of be...
by Invest4lt
Fri Sep 13, 2019 6:09 am
Forum: Personal Consumer Issues
Topic: Need gift ideas for my parents
Replies: 18
Views: 1344

Re: Need gift ideas for my parents

Also more information on why you are giving gifts? As we grew older my family agreed not to exchange gifts among adults in most occasions.
by Invest4lt
Tue Sep 10, 2019 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: FMLA (or Other) Leaves Potential Negative Impact?
Replies: 17
Views: 1944

Re: FMLA (or Other) Leaves Potential Negative Impact?

Another thing to keep in mind is that retaliation is not allowed for FMLA claims, but this could very well take away chances for future promotions or put a label on him within the company. Yes, it's kind of like age, disability, etc. discrimination. It is prohibited by law, of course, but is very w...
by Invest4lt
Sun Sep 08, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3706

Re: Going desktop-less?

I gave up desktop computers about 10 years ago. I use a laptop (you can get an inexpensive separate display if you want something larger and keyboard if you want a separate numerical pad), along with phone and tablet. I’ve been very satisfied. I’m not interested at all to go back to a bulky desktop.
by Invest4lt
Sun Sep 08, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Microwave keeps tripping circuit breaker
Replies: 26
Views: 1789

Re: Microwave keeps tripping circuit breaker

Unless covered by warranty (extended warranty with credit card?), I would get a new one.
by Invest4lt
Sat Sep 07, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5934

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Getting a document notarized requires a fingerprint... That's not my experience. Nor mine. Over the decades, I have often needed to get something notarized (in Virginia) and have never even been asked to provide a fingerprint. Noted above that this is state specific. California requires thumbprints...
by Invest4lt
Sun Sep 01, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: 20 year old unused travelers checks... what to do with them?
Replies: 25
Views: 4188

Re: 20 year old unused travelers checks... what to do with them?

I was in a similar position with some very old travelers checks. I brought them into my bank and they entered the check numbers into some type of website or database. They came up as not cashed and not reported stolen. The teller then deposited into my account. Glad to be rid of them. Interesting, ...
by Invest4lt
Sun Sep 01, 2019 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: 20 year old unused travelers checks... what to do with them?
Replies: 25
Views: 4188

Re: 20 year old unused travelers checks... what to do with them?

I was in a similar position with some very old travelers checks. I brought them into my bank and they entered the check numbers into some type of website or database. They came up as not cashed and not reported stolen. The teller then deposited into my account. Glad to be rid of them.
by Invest4lt
Sat Aug 31, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 83
Views: 5131

Re: Cash & Checkbook Register Reconciliation

And, very similar to viewtopic.php?f=11&t=287854&p=4690584#p4690584

Not much has changed between credit card and bank statements.
by Invest4lt
Sat Aug 31, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5934

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Appreciate everyone's responses. Sometimes there are unpredictable circumstances where one is in a situation that is outside of normal routine - such is life. I see that most respondents do not see any issues with this fingerprinting policy and view it as a positive security protection. I am very p...
by Invest4lt
Sat Aug 31, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Any Bay Area companies hiring part-time remote programmers?
Replies: 23
Views: 2189

Re: Any Bay Area companies hiring part-time remote programmers?

I'm a part-time programmer and have done some consulting for small companies / start-ups. I've reduced down on work and have been focusing on my young family the last few years, but may eventually get back into consulting / 1099 contract work. I'm surprised how high some of the software engineering...
by Invest4lt
Fri Aug 30, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Banks requiring fingerprint on a check for non-customers to receive cash
Replies: 87
Views: 5934

Re: Banks requiring fingerprint on a check for non-customers to receive cash

Yep, ran into this many years ago. I was selling something to an unknown buyer who wanted to pay by check. I wasn’t sure if the check was good, so I brought it to the originating bank. These days I would use a more modern means, but this was before PayPal, Venmo, etc. I’m curious why a fingerprint i...
by Invest4lt
Thu Aug 29, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Giving the DMV my SS # - safe?
Replies: 24
Views: 2060

Re: Giving the DMV my SS # - safe?

Agree that worrying isn’t productive in this case. You’ll have to hand over a significant amount of information for a Real ID. The data released in the Equifax breach was much deeper. To mitigate your concerns you might want to lock/freeze your credit reports and use strong unique passwords for each...
by Invest4lt
Sat Aug 24, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 64
Views: 5566

Re: Alumni donations to help children get into college

In my experience, legacy can help a little to have your child considered. Contributions? Not unless you are sponsoring a building, quad, etc. Even then it’s handled carefully in this environment.
by Invest4lt
Thu Aug 22, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 50
Views: 4214

Re: How do you get billed for child's college when not enough cash?

On Step 3; parents do not get billed. College Students, who are adults , get billed. Uh, I never saw a bill for tuition when I was an undergrad. Many students are not 18 during at least part of college, so I am assuming those are not legally adults and not legally financially responsible. The schol...
by Invest4lt
Sun Aug 11, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 7071

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

Not sure if you mean both credit and debit cards which can be run as credit? Major hotel chains now require a card...cash won’t do. Some restaurants (and food trucks) have gone non-cash and only accept cards. Cashless toll booths would be another issue. Mind letting us know your concerns? Not sure i...
by Invest4lt
Sun Aug 11, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Does any bank have a "high net worth" tier that provides forex wires at the interbank rate
Replies: 13
Views: 1359

Re: Does any bank have a "high net worth" tier that provides forex wires at the interbank rate

Express Send at WFB Is n easy way to send money. Fees are waived with a relatively small banking relationship. Not sure about the rate but it seemed reasonable.
by Invest4lt
Sat Aug 10, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 11238

Re: Ponder this, BH's... is Ben & Jerry's worth it?

chevca wrote:
Fri Aug 09, 2019 8:43 pm
Absolutely worth it, yes!

Cherry Garcia for me. But, there are plenty of other near favorites they make also.
Cherry Garcia for me, too,
by Invest4lt
Sat Aug 10, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Vehicle Air horn
Replies: 29
Views: 2625

Re: Vehicle Air horn

According to some of the reviews, the horn is deeper but not louder.
by Invest4lt
Sat Aug 10, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 3100

Re: Checking credit card statements

bob60014 wrote:
Sat Aug 10, 2019 3:52 pm
Every charge we make we receive a text message indicating activity. Quick and easy and we know immediately if a unauthorized charge is made/attempted.
This. The real time verification via text message makes the monthly review mostly unnecessary.
by Invest4lt
Fri Aug 09, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4403

Re: Do You Order "the Special" at Restaurants?

I am a huge fan of Tony Bourdain and I miss his presence immensely. However, his take on "the special" is somewhat old and outdated. It depends on where and what you're eating, but tons of restaurants that source food locally will run a special featuring ingredients that are only available for a sh...
by Invest4lt
Sat Aug 03, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Companies not sending bills
Replies: 14
Views: 1162

Re: Companies not sending bills

I’m not sure about any type of nefarious plot by venders, but moving away from snail mail makes sense for a variety of reasons, including cost and security. I’ve turned off paper bills and realized that the email alerts are much quicker and easier (and not prone to getting lost in the mail).
by Invest4lt
Mon Jul 29, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Ink refill - Brother's printer
Replies: 13
Views: 1145

Re: Ink refill - Brother's printer

I’ve been refilling at Costco. Cartridges are usually available in an hour. Every so often they will have a coupon for a couple bucks off.
by Invest4lt
Tue Jul 23, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 6322

Re: Thank you notes,,, out of favor these days?

Seems to be another generational issue. I can’t imagine expecting a mailed paper letter. Email or text can also adequately communicate thanks. To quote David Bowie, “ ch..ch..ch..changes...”
by Invest4lt
Fri Jul 12, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Sending an eCard For Birthday
Replies: 12
Views: 1207

Re: Sending an eCard For Birthday

I switched to sending a text message and birthday meme. Many online cards expect the recipient to click on a link within an email...seemed like a risky idea.
by Invest4lt
Sat Jun 22, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8359

Re: How do you approach tipping at carry-out restaurants

There was political action in California and the minimum tipped wage is now $11, the same as for non tipped employees at companies with 25 or fewer employees (slightly less than $12/hr for non tipped employees at companies with >25 employees). So the servers receive the minimum wage plus tips. But,...
by Invest4lt
Sat Jun 22, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9552

Re: Frugal or cheap?

KlangFool wrote:
Sat Jun 22, 2019 5:25 pm

gt5550,

IMHO, it is crazy to do a 100K addition to a 180K house. It is better to buy a new house.

KlangFool
This ^. Plus I can’t imagine the nightmare of dealing with the contractors.
by Invest4lt
Sat Jun 22, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8359

Re: How do you approach tipping at carry-out restaurants

I went to Panera near end of their day. Ordered a salad after some rude people in front of me ordered. The counter help looked incredibly tired. I gave a 50% tip on a $8 salad. The gal gave me a smile and grateful thank you. Sometimes it is good to be kind. Agree. I know this is a contentious issue...
by Invest4lt
Sat Jun 15, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 98
Views: 9828

Re: IPhone 6 - showing some age

Another option could be to explore the trade in value. I recently bought a new iPhone and the Apple store gave me 250 for my 6 S Plus.
by Invest4lt
Sun Jun 09, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18973

Re: Are You Dumping Netflix?

Definitely keeping Netflix....and Hulu. Still an entertainment bargain to me.
by Invest4lt
Sun May 26, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 12096

Re: House not selling

Do you have comps for comparable houses sold in the neighborhood? Buyers don’t care about what you paid or your gain/loss. The lack of interest from buyers makes It sound like you are asking too much.
by Invest4lt
Sun Apr 21, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4786

Re: Washing Machine that uses a LOT of Water

I’m thinking that the hardness or mineral content in the water is also a factor to consider. After installing a water softener we needed to drastically reduce the amount of detergent.
by Invest4lt
Wed Apr 17, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3587

Re: Trip to Central Asia. Do you need a CC?

Most airlines are now cashless, so a credit card would certainly be a good thing for buying meals and snacks while in the air.
by Invest4lt
Sun Apr 14, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1674

Re: OnStar Plans: Are they worth the cost?

+1 for using your cellphone and Car Play/Android Auto apps. Both have an emergency call feature if they sense a crash. If you live somewhere without good cell reception then OnStar has the advantage of much better coverage. But aside from that I would invest the funds in a cellar plan.
by Invest4lt
Thu Apr 11, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: One-more-year - am I done or not?
Replies: 50
Views: 7849

Re: One-more-year - am I done or not?

Seems there are two questions: 1. Financially, can you afford to retire; and, 2. Should you retire. 1. The numbers support a financial decision to retire. 2. Is it a good idea to retire? This is where the non financial aspect comes in. How will your retirement affect your spouse who is still getting...
by Invest4lt
Tue Apr 09, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7248

Re: How Much Do You Pay For Haircut?

40 plus 10 tip
by Invest4lt
Thu Mar 14, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: How do you confirm that bills are successfully paid?
Replies: 38
Views: 2654

Re: How do you confirm that bills are successfully paid?

Personally, I wouldn’t use any bill pay for something important and recurring when the payee doesn’t accept ACH payments. You might ask the landlord to accept ACH (instructions are usually on the bill pay envelope). Or see if they can accept a service like Zelle, Popmoney, Venmo/PayPal (ugh) instea...
by Invest4lt
Sun Feb 24, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Gift cards
Replies: 10
Views: 1082

Re: Gift cards

I purchase quite a few gift cards but only at > 20% discount and only major chains. Interestingly, a few weeks ago a restaurant informed me their machine was down (they told me after I gave them the gift card at the end of the meal), so they comp’ed the entire meal. I was happy and now am very loyal...