Search found 117 matches

by Invest4lt
Wed Jun 10, 2020 12:28 am
Forum: Personal Consumer Issues
Topic: What happens to all my digitized photos when I die?
Replies: 68
Views: 5365

Re: What happens to all my digitized photos when I die?

Broken Man 1999 wrote:
Tue Jun 09, 2020 6:05 pm
I would ask anyone if they wanted any photos of any sort. Then act accordingly.

Broken Man 1999
This. Perhaps someone will express interest and you can share/discuss the pictures while still alive? I think that would be pretty cool.
by Invest4lt
Wed May 27, 2020 6:17 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 38
Views: 2983

Re: HBO Max

Yes, got it and looks great for $12 a month. A good entertainment value for us. GoT, Friends, Sopranos, Turner Classic Movies, Rick & Marty, etc and no ads.
by Invest4lt
Mon May 25, 2020 6:04 pm
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 94
Views: 6304

Re: What will you NOT buy online?

I’ve been buying just about everything online from reputable dealers like Costco with good return policies. I’ve gotten mattresses, furniture, groceries, meat, wine, office equipment, technology related stuff. I don’t buy used items from unknown sellers on eBay, though. I do buy plenty of refurbishe...
by Invest4lt
Fri May 22, 2020 10:26 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6815

Re: Discarding Music CDs

I donated to charity many years ago. Have iTunes. Same, except I use Google Play music. I’ve been pleasantly surprised by streaming services. Easy user interface, playlists, suggestions for other music, integrating new tracks into your lists. You might want to try some free trails before investing ...
by Invest4lt
Fri May 22, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Any easy way to check accuracy of Amazon credit card bill?
Replies: 9
Views: 871

Re: Any easy way to check accuracy of Amazon credit card bill?

Would credit card notifications address this? Every time a charge posts to my card I receive a text message. With Amazon and most venders the text is immediate. So it’s a piece of cake to identify fraudulent activity.
by Invest4lt
Fri Apr 24, 2020 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mobile Deposits/ATM
Replies: 42
Views: 1685

Re: Mobile Deposits/ATM

What would you do? I had endorsed the checks "for deposit only" with my signature, for a large check like that I would also add your account number on the endorsement like "for deposit only 1234567788" and your signature. You might want to do this when the branch is open and have their phone number...
by Invest4lt
Wed Apr 15, 2020 9:32 pm
Forum: Personal Investments
Topic: high yield savings account
Replies: 6
Views: 876

Re: high yield savings account

American Express bank is paying 1.6 with no fees or minimum.
by Invest4lt
Wed Apr 15, 2020 9:25 pm
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5188

Re: How to get N95 masks? Seriously

Or any masks really... CDC has simple instructions for a do-it-yourself mask you can make out of an old t-shirt. (No sewing required!) https://www.cdc.gov/coronavirus/2019-ncov/prevent-getting-sick/diy-cloth-face-coverings.html Amazon sells them, but delivery date isn't until May 25th, DIY approach...
by Invest4lt
Wed Apr 15, 2020 9:23 pm
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5188

Re: How to get N95 masks? Seriously

You can also purchase T-shirt masks at a variety of places, such as https://standardissuetees.com/products/cotton-mask These are said to help you from spreading the virus to others. These are the types of masks being recommended by some states when you are in public. As others have indicated N95 mas...
by Invest4lt
Sat Apr 11, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: GoFundMe ... tipping!?
Replies: 33
Views: 4992

Re: GoFundMe ... tipping!?

I have no problems understanding they have bills to pay. And to be fair, they are taking a cut. 2.9% plus 30 cents per transaction. I doubt it really costs 2.9% to do payment processing. Your doubt is based on what? I’m guessing you have not have dealt with credit card processors. A 2.9% processing...
by Invest4lt
Wed Apr 08, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is saving $19k/yr worth having roommates? (California Bay Area)
Replies: 71
Views: 5680

Re: How much rent can I afford (California Bay Area)

Have you thought about cutting expenses and buying a small place? A quick calculation of 750 to 800k mortgage is around 2650 per month plus about 12,000 annually for taxes. Assuming 20% down and you can find a decent place in that rather low range. HOA and maintenance would be extra also.
by Invest4lt
Wed Apr 01, 2020 9:40 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56688

Re: How to get Toilet Paper ? seriously.

Ordered online at Costco over the weekend and the tp was delivered yesterday. 😀
by Invest4lt
Fri Mar 13, 2020 5:24 am
Forum: Personal Consumer Issues
Topic: Coffee Makers
Replies: 55
Views: 3242

Re: Coffee Makers

TomatoTomahto wrote:
Thu Mar 12, 2020 5:25 pm
Search for past thread that had lots of suggestions.

After $xxxx machine and $xx machines, my favorite is the Technivorm MoccaMaster (various models around $300). Simple and reliable.
+1 for Technivorm MoccaMaster
by Invest4lt
Wed Feb 19, 2020 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 25253

Re: Chase Sapphire checking 1000$ offer

For those with any experience with doing this, what is the best/easiest way to close the account? Downgrade it to the basic checking account which has a $1500 minimum, pull out all money except $1500, then call, secure message, or go to a branch to the close the account and they'll give you the res...
by Invest4lt
Sun Jan 05, 2020 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Parental Leave - 4 weeks or 16 weeks - thoughts/perspective?
Replies: 39
Views: 2892

Re: Parental Leave - 4 weeks or 16 weeks - thoughts/perspective?

I say take the option that appeals to you. I think it will affect your promotions and bonuses in the short term only. IME, when allocating bonuses and promotions, the items go to the employees who have contributed within the review cycle. If you haven’t contributed it is difficult to justify a raise...
by Invest4lt
Tue Dec 24, 2019 10:08 pm
Forum: Personal Investments
Topic: Flagship Services Dissapointment !
Replies: 72
Views: 7816

Re: Flagship Services Dissapointment !

Not sure I see your issue or what you meant by losing “accountability.” If you are looking for simple rebalancing info, would you want to wait for your representative when anyone trained could answer your question? I’ve had dedicated reps at financial institutions and a large hotel chain and have to...
by Invest4lt
Sun Dec 22, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Navigation App - Android Auto
Replies: 22
Views: 803

Re: Navigation App - Android Auto

I’ve had great luck using Google Maps with Android Auto. Real-time traffic updates and re-routing options are usually good.
by Invest4lt
Fri Dec 20, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: Have you switched from Android to iPhone? What were the pluses and minuses?
Replies: 51
Views: 4489

Re: Have you switched from Android to iPhone? What were the pluses and minuses?

I switched a couple years ago. My thoughts: 1. Being in two ecosystems (Apple and Android) means two App Stores and buying apps twice. 2. Multiple power cords since not shared unless you are using cordless charger. 3. Fewer apps for Apple 4. I use both Car Play and Android Auto. Many more problems w...
by Invest4lt
Mon Dec 09, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: Reliable Restaurant review sites for travel
Replies: 23
Views: 2120

Re: Reliable Restaurant review sites for travel

For travel in the US, I’ve had good luck with Open Table reviews. Outside the US, Trip Advisor is pretty good.
by Invest4lt
Wed Dec 04, 2019 11:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile app comes in last in JD Power satisfaction survey
Replies: 10
Views: 909

Re: Vanguard mobile app comes in last in JD Power satisfaction survey

On a scale of 1000, the highest rated app received 865 points and the lowest rated app (Vanguard) received 821 points. Average score was 846. I wonder if the apps are significantly different functionally given the scores differ by only 44 points out of 1000.
by Invest4lt
Thu Nov 28, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8242

Re: What Items Are You Targeting for Black Friday Sales?

Proton mail is having a sale for new and existing customers. 33% to 50% off.
by Invest4lt
Mon Nov 04, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1872

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: 1872

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: 92
Views: 16531

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: 92
Views: 16531

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: 1563

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: 5818

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: 731

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: 1775

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: 7020

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: 8863

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: 10058

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: 7257

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: 9564

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: 1531

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: 2076

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: 3976

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: 2985

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: 6601

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: 6408

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: 6408

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: 5795

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: 6601

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: 2295

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: 6601

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: 2115

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: 5832

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: 4277

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: 7953

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: 1489

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.