Search found 50 matches

by 808
Sun Nov 10, 2019 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Retire or work again?
Replies: 23
Views: 2845

Re: Retire or work again?

I do not have to practice and I can definitely live without it. I just do not want to feel like I am being lazy and retiring early. My family is fine with whatever I want and it is hard to get unbiased opinion from friends or colleagues. Thanks :) Based on this latest clarification, definitely #1. ...
by 808
Fri Nov 08, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1210
Views: 149717

Re: Fidelity as a one stop shop

To provide an updated strategy (new parts bolded, old parts struck through): ... CMA (not linked/no overdraft) for ATM and check use, and for any use case where my account number would be exposed to a third party (for example, bill pay where they are sending a paper check , or "pull" ACH transactio...
by 808
Tue Nov 05, 2019 1:44 am
Forum: Personal Investments
Topic: Are CDs worth investing in these days?
Replies: 3
Views: 1119

Re: Are CDs worth investing in these days?

You may want to check out the comments in the following thread: viewtopic.php?f=10&t=292085
by 808
Fri Oct 25, 2019 4:48 am
Forum: Personal Investments
Topic: Bonds or just use Money Market/ Savings??
Replies: 25
Views: 3593

Re: Bonds or just use Money Market/ Savings??

Other than maybe another small cut, interest rates should go up, making bonds cheaper, so wait for that (I know...timing...) As for OP, I'm a little surprised no one has mentioned CDs as an alternative to MM or bond funds. I think there are some smart people on this board who are shifting most of t...
by 808
Thu Oct 24, 2019 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 796
Views: 257518

Re: Retiree Portfolio Model

v19.1a

Setup tab
T114 and T115
Test_FRA_Y should be compared to value 66 like the formula in T113
by 808
Mon Oct 21, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 399
Views: 42985

Re: Best CD rates thread

It's in the disclosure. If you start at https://www.psecu.com/privacy-policies-disclosures and click the Agreements & Disclosures link, in that PDF: Section 10 TRUTH IN SAVINGS ACCOUNT DISCLOSURES 1. REGULAR, ADDITIONAL AND IRA SHARES:: Transaction Limitations which is basically the same for: 3. MON...
by 808
Sun Oct 13, 2019 8:38 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 89
Views: 14028

Re: Chase $750 for depositing 75K

StevieG72 wrote:
Sun Oct 13, 2019 8:01 pm
ChowYunPhat wrote:
Sat Oct 12, 2019 11:11 am
(incoming wires to Chase Sapphire Banking are FOC...how nice).


What does FOC mean in this context?
Free of charge. FWIW, both incoming and outgoing wires are free according to "fine print" 4 at https://accounts.chase.com/sapphire/brand
by 808
Fri Oct 11, 2019 3:05 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4320

Re: Disadvantages of a bank signup bonus

5 I have read with chase that if you ACH large amounts in to fund it that often their fraud dept throws up a flag and then you have to get on a 3 way conference call with both banks to get it sorted out. I had this happen with Citi. Opened the accounts (Savings and Checking) per the terms of the of...
by 808
Fri Oct 11, 2019 2:50 am
Forum: Personal Consumer Issues
Topic: Disadvantages of a bank signup bonus
Replies: 46
Views: 4320

Re: Disadvantages of a bank signup bonus

Recommended fields are below for a CC or bank account (please add/correct where I've missed out): Date you you opened the account Amount that has to be spent before the cut-off period (for CC) Last date to spend funds before the cut-off period (for CC) Amount of the bonus Date you should expect the...
by 808
Thu Oct 10, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer w/ very short decision turn around time
Replies: 12
Views: 1713

Re: Lump Sum Offer w/ very short decision turn around time

The "2019 Case Study Spreadsheet" (a.k.a. personal finance toolbox) link in our Wiki has a Lump Sum vs. Pension calculator https://www.bogleheads.org/wiki/Tools_and_calculators#Personal_finance_toolbox The calculator is in the second from the far right tab (Misc. calcs) so you will have to scroll ov...
by 808
Thu Oct 10, 2019 5:45 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 86
Views: 8982

Re: Fidelity to $0 Commissions

jpsfranks wrote:
Wed Oct 09, 2019 11:16 pm
I don't really see any announcement on Fidelity's site about it but if I queue up a market order for tomorrow I see a $0 estimated commission.
https://www.fidelity.com/trading/commis ... rgin-rates
by 808
Tue Oct 08, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6235

Re: Social Security Card as Identification for Real ID

My state still hasn't figured out how to do the Real ID thing. They got another extension until Oct of next year which I think is the end of the extensions being granted. The state says they'll be compliant by next Summer, but they've been saying that since 2010. For some reason, my state actually ...
by 808
Thu Oct 03, 2019 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank canceling credit cards??
Replies: 29
Views: 4773

Re: Chase Bank canceling credit cards??

...current or former non-U.S. officials, their immediate families or close associates... Implies to me that Chase believes this person is a non-U.S. government official or similar (perhaps a diplomat) or family or close associate of one. If this person is considered a diplomat, it may be difficult ...
by 808
Fri Sep 27, 2019 4:43 am
Forum: Personal Investments
Topic: Fidelity money market fund
Replies: 20
Views: 2619

Re: Fidelity money market fund

PSECU's 3-year addon CD could be interesting for you. The current APY is 3.25%. You can specify an amount to be added biweekly or monthly. https://www.psecu.com/banking/certificates Those rates look good to me. So...how do you verify PSECU exists? I tried verifying it via Bank Rate, NCUA website......
by 808
Wed Sep 25, 2019 4:38 am
Forum: Personal Finance (Not Investing)
Topic: Locked out of Equifax
Replies: 9
Views: 1075

Re: Locked out of Equifax

Are you using a VPN and/or connecting from what looks like different locations (based on IP) each login?
by 808
Tue Sep 24, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 796
Views: 257518

Re: Retiree Portfolio Model

Cell F207 has a formula that should (?) be in F205. Boggedown, F205 = 1 - Taxable_Tax_Rate = 1 - F207 F207 = IF(E204=0,0,1-ROUND(E205/E204),2)) Assuming a non-zero value in E204, ignoring the ROUND, F207 = 1 - (E205/E204) Thus, F205 = 1 - (1 - (E205/E204)) = 1 - 1 + E205/E204 = E205/E204 which is a...
by 808
Sat Sep 14, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1970
Views: 328237

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

how do you get to 2.62% back with BOA cash rewards card? I see (below) 1% unlimited, 3% (up to $2500/qtr) for online making preferred rewards = 1.75% everything and 5.25% for online Premium Rewards credit card 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 sp...
by 808
Sat Sep 14, 2019 5:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1970
Views: 328237

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

how do you get to 2.62% back with BOA cash rewards card? I see (below) 1% unlimited, 3% (up to $2500/qtr) for online making preferred rewards = 1.75% everything and 5.25% for online Premium Rewards credit card 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 sp...
by 808
Mon Apr 22, 2019 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 796
Views: 257518

Re: Retiree Portfolio Model

What is the reason why FRA_You_Alt is hard-coded as 66 and not equal to +FRA_You? I can unprotect and change but was wondering what your rationale was for hard-coding the value. Just to save the user some work. The FRA is the FRA and its already been entered. In my case, I enter 67 for FRA_You. FRA...
by 808
Sun Apr 21, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 796
Views: 257518

Re: Retiree Portfolio Model

What is the reason why FRA_You_Alt is hard-coded as 66 and not equal to +FRA_You?

I can unprotect and change but was wondering what your rationale was for hard-coding the value.
by 808
Mon Feb 04, 2019 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital- criteria of Average vs Poor market
Replies: 4
Views: 774

Re: Personal Capital- criteria of Average vs Poor market

Does anybody know the criteria Personal Capital uses for average and poor markets conditions ? Does poor mean markets after a normal recession or after recessions such as in 2008 ? If by market conditions, you mean the Median (dark blue) and 10th Percentile (lighter blue) account values, then click...
by 808
Fri Jan 18, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3252

Re: Is My Iphone Now a Brick?

Jack FFR1846 wrote:
Fri Jan 18, 2019 9:44 am
... buy a 4s or 5s.
Don't do that if you want to stay on Verizon; they will no longer activate those older devices and plan to phase out support for devices that do not support VoLTE. https://www.cnet.com/news/verizon-will- ... -4g-phone/
by 808
Tue Jan 15, 2019 12:03 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 4851

Re: Amazon Rewards Visa -- predatory lending?

Can anyone help me figure out whether this is true? If this is true, I definitely don't want the card. Here are the terms for the card. I see that it says: Your due date will be a minimum of 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your ...
by 808
Mon Jan 14, 2019 3:59 am
Forum: Personal Investments
Topic: Need Help - Taxable account a mess!
Replies: 31
Views: 3757

Re: Need Help - Taxable account a mess!

Saelina: In case you didn't notice, Taylor Larimore is an advisory board member here. The Wiki has an entry for him, https://www.bogleheads.org/wiki/Taylor_Larimore, and he is the author of a number of "The Bogleheads' Guide to ..." books. With that said, if I were in your position trying to help a ...
by 808
Sun Jan 13, 2019 2:37 am
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 7317

Re: Ally-14 month Select CD at 2.85%

tenkuky wrote:
Wed Jan 09, 2019 9:57 am
Is there a good calculator which helps decide if a locked-in with penalty CD rate is better than a no-penalty one?
https://www.depositaccounts.com/tools/b ... lator.aspx
by 808
Sat Jan 05, 2019 2:39 am
Forum: Personal Investments
Topic: Consolidate to Fidelity?
Replies: 50
Views: 3790

Re: Consolidate to Fidelity?

The Fidelity "Analysis" tab that used to be called "GPS" is a better "What is my current asset allocation" tool than the Vanguard Portfolio Watch. The Fidelity tool probably uses Morningstar X-ray for its unseen back end. Do you know if it's possible to reclassify assets that GPS says are in the Un...
by 808
Fri Dec 14, 2018 1:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax Question: Does passive Real Estate loss offset capital gains from stocks?
Replies: 1
Views: 306

Re: Tax Question: Does passive Real Estate loss offset capital gains from stocks?

The $11K passive loss would carry over if you reported it in 2017. The carryover would be offset by passive gains in 2018 or later years. For example, rental income. Passive losses do not offset capital gains. Even if you cannot claim the passive loss (for example, no corresponding passive gain), yo...
by 808
Fri Dec 14, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Old Windows 8 PC and Windows Defender
Replies: 16
Views: 1034

Re: Old Windows 8 PC and Windows Defender

If you just want the definition updates, try https://www.microsoft.com/en-us/wdsi/definitions

You can download the appropriate file for the non-connected machine on a machine with internet access, and transfer it to the one without.
by 808
Thu Dec 06, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Paid 1041-ES Using A Credit Card?
Replies: 2
Views: 502

Has Anyone Paid 1041-ES Using A Credit Card?

The 1041-ES (not 1040-ES) can be paid via ACH pull directly via EFTPS. However, I can make a little profit if I pay with a credit card even after the payment processor fees. But, none of the 3 IRS approved payment processors seem to support the 1041-ES. They all support the 1040-ES for 2018. However...
by 808
Sat Nov 24, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 5068

Re: How many vacations per year is optimal?

She would love to visit Europe, the problem I have with Europe is the flight. Five hours on a plane and I'm done ....I want out...I'm 6'4" and get uncomfortable quickly. The thought of a 11-12 hour flight is bad enough...I'm not sure how anyone can do such a flight. I don't sleep on planes, never h...
by 808
Wed May 23, 2018 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 14097

Re: Chase Savings Account emptied out!

So today I received an email from coincide starting that a Chase checking account associated with my email had been linked to a coinbase account. Of course, I don't have a coinbase account so I logged into my Chase account and there were several fraudulent ACH transactions, and a couple of micro de...
by 808
Thu Feb 22, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: When is Costco cash back coupon arriving?
Replies: 23
Views: 15560

Re: When is Costco cash back coupon arriving?

My online account says: Coming Soon After your February Statement closes.

My February statement closes on 2/23.
by 808
Mon Feb 12, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 3044

Re: USPS Flat Rate Boxes - How do they work?

You can also purchase "prepaid" flat rate envelopes or boxes. This will lock in the price similar to "forever" stamps.

https://store.usps.com/store/results/sh ... /N-1u364ba
by 808
Fri Jan 19, 2018 4:37 am
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 6302

Re: Nostalgic about old online brokerages that no longer exist

Back then, it was called Datek Securities, before Datek merged with Ameritrade in 2002, and then became TD Ameritrade in 2006. Date: Wed, 09 Dec 1998 10:20:26 -0500 Subject: Datek Online Account Activated Thank you for choosing Datek Online. We received your completed application forms and have suc...
by 808
Wed Jan 17, 2018 4:44 am
Forum: Personal Finance (Not Investing)
Topic: Owning house in a trust?
Replies: 34
Views: 5259

Re: Owning house in a trust?

One of the suggested solutions is to purchase property in a trust that has a name that wouldn't normally be connected to you. Trustees would have an easier time remaining anonymous in this type of situation. Doesn't the Deed specify the name of the Trust (e.g., Some Obscure Named Trust) but also th...
by 808
Fri Jan 12, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: Andoird device, Wifi cutting out when sleeping
Replies: 6
Views: 917

Re: Andoird device, Wifi cutting out when sleeping

On my phone: Settings -> WI-FI -> Advanced -> Keep Wi-Fi on during sleep
Always (checked)
While Charging
Never
by 808
Sun Dec 03, 2017 4:17 am
Forum: Personal Investments
Topic: What to do with a variable annuity?
Replies: 21
Views: 3080

Re: What to do with a variable annuity?

Twelve months ago, a female relative who is now 69.5 yoa put down $500K of Tax-Deferred money into a variable annuity . She has Not started collecting income yet. Any thoughts on how much roughly she might receive back if she were to cancel this variable annuity? I understand the contract/prospectu...
by 808
Thu Nov 30, 2017 6:49 pm
Forum: Personal Investments
Topic: Should I sell some of my Berkshire stock
Replies: 34
Views: 4532

Re: Should I sell some of my Berkshire stock

... then 33 days later either buy it back or reinvest ... No need to wait 33 (30) days. Wash sale rules only apply when the investment is sold for a loss. Even if you sold for a loss, buying into a "total market" investment is significantly different from something like Berkshire anyway. So, again,...
by 808
Wed Nov 29, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16604

Re: H&R Block Software

Here is the list of forms supported in 2016 deluxe (form 8829 is missing): https://www.hrblock.com/pdf/HRB-Online-Fed-Forms/deluxe.pdf For 2017, it appears all downloaded versions support the same forms: https://www.hrblock.com/pdf/HRB-Desktop-Fed-Forms.pdf So, is there a need for me to get premium...
by 808
Wed Nov 29, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Free Credit Report if you obtain credit?
Replies: 3
Views: 535

Re: Free Credit Report if you obtain credit?

As an example, if you are approved at less than the best (i.e., not the lowest) interest rate, you are entitled to a free credit report. I believe this is known as an "adverse action." The method to request the report is the same as the denied credit method. The form will usually ask for the credit ...
by 808
Wed Nov 29, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16604

Re: H&R Block Software

Deal of the Day at Amazon today, 11/29. As I type this, the 2017 Deluxe + State + Refund CD, Windows download, and Mac download, are all $19.99. Other versions also available at a discount. https://www.amazon.com/s/browse/ref=gbps_img_s-3_0ee9_63282478?node=17450869011&smid=ATVPDKIKX0DER&pf_rd_p=30c...
by 808
Sat Nov 25, 2017 5:23 am
Forum: Personal Consumer Issues
Topic: Billed by Spectrum. Don't have account.
Replies: 7
Views: 1647

Re: Billed by Spectrum. Don't have account.

If you want to check with Oceanic Cable (now Spectrum) support, you can try calling 808-643-2100. I haven't called in a while so not sure if this now routes to a mainland call center or not. I suppose you could ask them if they are "local" on Oahu or not when you reach a live body.
by 808
Wed Nov 22, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 89
Views: 91666

Re: What happens when car accident claim exceeds insurance limits?

in At Fault car accident ,my insurance told me that other party had 20000 in damage. I only carry minimum deductible of 5000. Can they sue me for 15000$ as I don't have that much money. No injury reported and both drivers were safe at the time of accident. Your deductible is what you would pay, you...
by 808
Wed Nov 22, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protector still works with breaker off?
Replies: 38
Views: 3939

Re: Whole House Surge Protector still works with breaker off?

I looked up the installation guide http://www.eaton.com/ecm/groups/public/@pub/@electrical/documents/content/ib00414001y.pdf This is a "divert to ground" type device. It works with a dedicated 2 pole circuit breaker (one pole for each 1/2 phase) with a connection to earth and neutral. If an overvol...
by 808
Fri Nov 17, 2017 4:18 am
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 5221

Re: Windows 10 - Fall Creator's Update - Ransomeware

There are some apps that are calling for access that I just don't know about; I continually get an error saying that "msiexec.exe wants to make changes. msiexec is a Microsoft program that is used to install or update applications. The applications or updates have the .msi extension. It sounds like...
by 808
Sun Oct 29, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 5221

Re: Windows 10 - Fall Creator's Update - Ransomeware

i'm only seeing 1703 in my windows updates. Don't see 1607. And I'm not seeing the controlled folder access anywhere under virus and threat protection settings. what am i missing? All i see is "real time", "cloud based" and "automatic sample submission" but not "controled folder" anywhere. You may ...
by 808
Sat Oct 28, 2017 4:17 am
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 5221

Re: Windows 10 - Fall Creator's Update - Ransomeware

My machine is sleeping/off most of the time, but when I recently did an update to OS 1607 and checked for further updates, it said there are none. I also once left the machine on overnight and still no Creator's update was offered During the Windows OS upgrade (e.g., 1607, 1703, 1709, etc.) a "back...
by 808
Wed Oct 25, 2017 4:47 am
Forum: Personal Finance (Not Investing)
Topic: What happens when car accident claim exceeds insurance limits?
Replies: 89
Views: 91666

Re: What happens when car accident claim exceeds insurance limits?

in At Fault car accident ,my insurance told me that other party had 20000 in damage. I only carry minimum deductible of 5000. Can they sue me for 15000$ as I don't have that much money. No injury reported and both drivers were safe at the time of accident. Your deductible is what you would pay, you...