Search found 524 matches

by GoldStar
Thu Oct 18, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I opened a new joint account online minutes ago and received an email "Your new Ally account is now open." No delay. This! I opened a CD and funded it from an outside account and got the “account is open” email. Took under 5 minutes. I already had an Ally account so no credit check (my credit file ...
by GoldStar
Thu Oct 18, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 225
Views: 25896

Re: High End Wrist Watches (Gone Crazy)

Folks with automatic watches that use watch-winders: Do you simply buy whatever looks okay to you on Amazon or is there something specific that you like? My 5-year-old winder stopped working so looking to get another one (I think I paid $40 for it on Amazon so feel I got my money's worth - but that...
by GoldStar
Thu Oct 18, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 225
Views: 25896

Re: High End Wrist Watches (Gone Crazy)

Folks with automatic watches that use watch-winders: Do you simply buy whatever looks okay to you on Amazon or is there something specific that you like? My 5-year-old winder stopped working so looking to get another one (I think I paid $40 for it on Amazon so feel I got my money's worth - but that ...
by GoldStar
Wed Oct 17, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I emailed Ally yesterday with this question: Says funds must be deposited by 10/31/18 in one place, 11/5/18 in another. Which is it? Answer: 11/5/18. They also said: he promotion is based on an overall increase in funds to your account during the funding period. If you withdraw funds and deposit th...
by GoldStar
Wed Oct 17, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Municipal debt - financial not political
Replies: 2
Views: 237

Re: Municipal debt - financial not political

I'd compare your bond rating and rates to other Counties in the area to verify you have a top rating.
by GoldStar
Wed Oct 17, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can you please tell me how much FDIC insurance this scenario has?
Replies: 13
Views: 580

Re: Can you please tell me how much FDIC insurance this scenario has?

The owner is just a single owner Then, they added 2 different beneficiaries Example: John is the single account owner of a Checking, Savings, and several CDs, at one FDIC insured bank. John put Sally and Bob as beneficiaries on his Checking, Savings, and all is his CDs. What would the FDIC insuranc...
by GoldStar
Tue Oct 16, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4101

Re: Relocation to California

By the way, I live in Southern California for most of my life. Agree with everybody's comments, especially the negative comments about high cost of living, taxes, traffic congestion, crime, politics, etc. I've watched Southern California became a "Third World Country" (IMHO). But the reasons I rema...
by GoldStar
Tue Oct 16, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 50
Views: 4874

Re: Jury duty - already booked vacation

Google "Postponing Jury Duty <State-Name>" to find out what you need to do.

It's state dependent. In some states it might be county/district dependent.
In most states I think one deferral is allowed - but not sure if that's true for all states/counties.
by GoldStar
Tue Oct 16, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest maturing CDs
Replies: 9
Views: 820

Re: How to invest maturing CDs

If you want to put them back in CDs Ally is currently paying an extra 1% bonus on up to $100K (Discussed here: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=261504&newpost=4168884) For instance, - if you put $100K in a 12 month CD you will get 2.5% plus an extra 1% ($1000) effectively getting...
by GoldStar
Tue Oct 16, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

It seems they verified me without doing a credit-pull. I was asked several multiple choice identity verification questions with info they could have only gotten from a credit report. Did you not have that as part of your online application process? Nope. Never happened. I was surprising how quick i...
by GoldStar
Tue Oct 16, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Can anyone shed some light on the timing required to open an account? Here's what I did: 1) Yesterday I opened an account online: it just told me the application was submitted and I should hear back in 3-5 days. 2) Today I called to inquire about the status, and they told me I should lift my credit...
by GoldStar
Mon Oct 15, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4860

Re: Is it worth filing FAFSA even if you know you'll get nothing?

You can quibble with definitions all you want regarding the difference between a grant and a scholarship. I find it annoying when people brag about receiving "scholarships" when their only accomplishment is having a low income. A lot of schools, for whatever reason, apply the term "scholarship" to ...
by GoldStar
Mon Oct 15, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

...Does anyone know how long ACH transfers take (always 24 hours?)? ... My last ACH from my credit union to Ally was as follows: CU - Showed ‘Pending’ on 10-9 CU - Showed ‘Ally Bank M2M Transfer’ Posted/Withdrawn on 10-10 Ally - Posted/Deposited as of 10-12 That’s the norm for me. I’ve read there’s...
by GoldStar
Mon Oct 15, 2018 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

So a 12-month CD at Ally currently has a rate of 2.5% - this promo would effectively make the rate 3.5% (with a 60-day-interest EWP). Sounds like a good deal - might move some of my EF over... Does anyone know how long ACH transfers take (always 24 hours?)? Also, who you need to unfreeze for a cred...
by GoldStar
Mon Oct 15, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4101

Re: Relocation to California

Luckily for us we do not need a raise in salary really. We are currently living solely on my wife's salary and mine is going totally into savings. So if I wipe out our little bit of consumer debt before we move then we will be fine with $$ for at least a short while. I wouldn't even need to look in...
by GoldStar
Mon Oct 15, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I pay off low interest loans or use money elsewhere?
Replies: 5
Views: 418

Re: Should I pay off low interest loans or use money elsewhere?

With mortgage rates now 4.75% and higher (from my understanding) it might make more sense to save and put more down on the condo versus paying off these loans) unless you two already have money to buy a condo outright. Comparing them to equity-fund rates isn't really fair since you aren't considerin...
by GoldStar
Mon Oct 15, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1442

Re: PPO vs HDHP + HSA

One thing that baffles me about these types of employer plans (HDHP+HSA) is whether they act like a PPO in the sense that you don't need a referral to go to a specialist. Do you get something which is identical to a PPO other than potentially different costs? If so, why do insurance companies remov...
by GoldStar
Mon Oct 15, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

So a 12-month CD at Ally currently has a rate of 2.5% - this promo would effectively make the rate 3.5% (with a 60-day-interest EWP). Sounds like a good deal - might move some of my EF over... Does anyone know how long ACH transfers take (always 24 hours?)? Also, who you need to unfreeze for a credi...
by GoldStar
Mon Oct 15, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1442

Re: PPO vs HDHP + HSA

My plans have individual and family deductibles. Are the ones you like per individual on the plan or per family? (E.g. if per individual; a $3000 deductible could have you paying as much as $3K*4=$12K per year; there might be a per-plan deductible that limits this down further). They are per family...
by GoldStar
Mon Oct 15, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1442

Re: PPO vs HDHP + HSA

My plans have individual and family deductibles.
Are the ones you like per individual on the plan or per family?
(E.g. if per individual; a $3000 deductible could have you paying as much as $3K*4=$12K per year; there might be a per-plan deductible that limits this down further).
by GoldStar
Mon Oct 15, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 190
Views: 14488

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I've taken advantage of these types of offers before and have always done okay and now that Ally's rate is on-par with the likes of Barclays, Synchrony, and gsbank/marcus it seems like a no brainer. Of course these types of disclaimers always make me wonder: Ally Bank reserves the right to refuse to...
by GoldStar
Mon Oct 15, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1748

Re: Kids and Money

It is well known now through research and common sense that the children of the rich will do far better in life than the rest. Without actually giving them cash or a house or something, you will be spending money in ways that are meant to ensure their relatively higher standard of living in adultho...
by GoldStar
Mon Oct 15, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1358

Re: HDMI Splitter or Switch?

If its an HDMI-Input make sure it handles both video/sound. (Look up model number on-line if you don't have the booklet that came with the TV). Some Early TVs would only handle video through HDMI. Provided it is both video/sound you could then buy a switch in order to swap between the XBOX and the R...
by GoldStar
Mon Oct 15, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: Does anyone invest in commodities through an index?
Replies: 27
Views: 1596

Re: Does anyone invest in commodities through an index?

You don’t invest in commodities; you speculate on them. Unlike stocks, bonds, real estate and cash equivalents, commodities produce no dividends, interest, rent or real gains. An ounce of gold today will be an ounce of gold 100 years from now. Now 10 years old: The Great Commodities Debate Part 1 T...
by GoldStar
Mon Oct 15, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 4752

Re: Kids not interested in money / allowance

Do you allow them to spend the money the way they want or do you tie restrictions to it? Do they know what $5 buys them versus $10 versus $15 versus $20? Do they have hobbies or interests you could tie these example amounts to? (sports equipment or fan-shirts; video-game; etc.). If nothing else - my...
by GoldStar
Mon Oct 15, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1748

Re: Kids and Money

#3 - Honesty is always the best policy. (No reason to be "completely" open however - why do you need to tell them everything about how much you have? My kids knew we had enough to raise them, give them an allowance, and get them through college. Based upon our home/living and the kinds of vacations ...
by GoldStar
Mon Oct 15, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: looking for light weight smart phone
Replies: 9
Views: 343

Re: looking for light weight smart phone

Is the extra oz or two worth having poorer battery performance?
That's where a lot of the weight lives in smartphones so realize you might be giving up a better battery.
dm200 wrote:
Mon Oct 15, 2018 12:08 pm
Never weighed mine - but I like my Moto-4
5.5 oz - you're out :)
by GoldStar
Mon Oct 15, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 104
Views: 7619

Re: Should we move to San Diego from east coast?

To me San Diego is a really nice to a visit but not to live. The weather is nice, but that's about it (for me). BUT, my preferences are different than yours - I actually LOVE the fall season in the NorthEast (and like seasonal change in general). All the reasons I wouldn't want to move have already ...
by GoldStar
Mon Oct 15, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Reducing overall medical costs. Do we do anything?
Replies: 67
Views: 3067

Re: Reducing overall medical costs. Do we do anything?

I didn't read the whole thread because I don't believe this really should be individually actionable since the insurance companies have figured it all out for us. They allow routine Wellness exams for a reason (cheaper if a problem is caught earlier; keeps people healthier getting routine advise, et...
by GoldStar
Mon Oct 15, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4860

Re: Is it worth filing FAFSA even if you know you'll get nothing?

At my undergrad, you were not eligible for work study jobs unless you had completed a FAFSA. Those jobs weren’t need based, Generally, work study IS need-based. Its a federal program which reimburses the college 2/3rds of the wage paid, and the federal program is designed for low income kids. I sta...
by GoldStar
Mon Oct 15, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4860

Re: Is it worth filing FAFSA even if you know you'll get nothing?

I had 2 kids who each applied to 5 - 6 schools. None required although some strongly recommended it. Some do require for merit based aid. Some say you should do it in case your situation changes (lose your job, etc.) so you can amend. I don't think any schools really unconditionally require it - wh...
by GoldStar
Mon Oct 15, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4860

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Instead of the loans being a "shackle", they helped his credit score, since payments weren't required until after graduation (or leaving school). Note that for unsubsidized (non financial need based) loans - although payments aren't required until after graduation you are charged interest from the ...
by GoldStar
Mon Oct 15, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4860

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Why do some schools require filing FAFSA even when the parents know they will get nothing from it? How does it benefit the school? I had 2 kids who each applied to 5 - 6 schools. None required although some strongly recommended it. Some do require for merit based aid. Some say you should do it in c...
by GoldStar
Sun Oct 14, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Online statements/ mail Vs paper
Replies: 6
Views: 933

Re: Online statements/ mail Vs paper

PDFs take so little space I don't see a reason to delete them. Also - Basis information is also good to have especially on earlier investments. I like my own electronic copies even though I realize some institutions seem to provide online access almost indefinitely. I alread have a backup scheme for...
by GoldStar
Sun Oct 14, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5051

Re: Need new email address. Gmail or ???

BoglePaul wrote:
Sat Oct 13, 2018 10:33 pm
To get anything done you really need a gmail account and an outlook.com account. Which one to use for email is a tough choice. If Microsoft still made Windows Phone, the choice would be easier.
I somehow get everything done without either.
by GoldStar
Fri Oct 12, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9575

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Cycle wrote:
Fri Oct 12, 2018 4:03 pm
Blogging about consumerism, moderating a forum where seniority was indicated by the size of ones mustache.
LOL - at $400,000 annually that's just a little more than $1000 monthly :happy
by GoldStar
Fri Oct 12, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2758

Re: Pacific Northwest trip

Going to Victoria as described above is a great idea - I'd stay there a night or two (not sure why you want to limit yourself to only two cities - I'd add this one). Another alternative to the ideas above (although all good) would be to make the drive from Portland to Crater Lake National Park. A fe...
by GoldStar
Fri Oct 12, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7493

Re: What did you buy today

I had some dry powder on the side waiting for an opportunity. Whenever I heard this I wonder how long its been waiting on the side; and how much was lost by having it waiting on the side. Many folks lose the 20% market-run-ups to get the 5% dips. I'm not saying this is what you did - but statistica...
by GoldStar
Fri Oct 12, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Cheap gym shirts w/ certain materials
Replies: 25
Views: 3829

Re: Cheap gym shirts w/ certain materials

OP, if you have an Academy sporting goods nearby, check out their store brand BCG. Almost always on sale, they produce some 100% poly clothing which is pretty good for gym or cardio. Last time I was in an Academy was 5 years ago in west Texas, so that might have changed by now. I like the Champion ...
by GoldStar
Fri Oct 12, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much assets to self insure (Life) ?
Replies: 14
Views: 618

Re: How much assets to self insure (Life) ?

Its hard to say without knowing the value of your assets. 24 x AnnualExpenses is probably enough to provide for a 3 and 12 year old (minus college since you have that mostly covered separately by 529s) into adulthood unless you are keeping your expenses very low at the moment. Remember to factor in ...
by GoldStar
Fri Oct 12, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5655

Re: Who worries about a bear market in stocks?

There are three groups of stock investors: ... I can think of at least 2 more groups you aren't covering. I'm in my late 40's or early 50's - not near retirement but not young enough to have decades of recovery left - so I don't think I fit into any of your three groups. I am in group 3 - somewhere...
by GoldStar
Fri Oct 12, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73723

Re: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)

I'm doing a little TLH, and plan to buy a Fido total market index fund. I'm wondering whether to go with FSTVX (Fidelity® Total Market Index Fund) -- ER 0.015% or FZROX (Fidelity Zero Total Market). FZROX has $1B in assets, which is pretty good for this short period. The ER difference is miniscule....
by GoldStar
Fri Oct 12, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2735

Re: No bill to me - but found strange things on my health plan records

I had a relative who told me that they had something similar happen. It turned out that someone with a similar name lived in the same city and their office had mis-filed.
I'd call the physicians office and ask them about it.
by GoldStar
Fri Oct 12, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8246

Re: When will you backup the truck on stocks

When I have cash, I invest it. This is my answer as well. Holding 5% cash (or any amount) for a 10% or 20% drop statistically speaking will more likely cause you to loose money (e.g. you end up missing bigger run-ups over periods of time that don't make up for the small catches you might happen to ...
by GoldStar
Fri Oct 12, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2845

Re: Which one: Lyft or Uber?

Thanks folks....is tipping included in the ride charge? After the ride is done you can select a tip in the App. With Lyft it has been consistent and easy - your app pops up at the end of the trip saying your trip is done and it has tip selections (none, $2, $3, $5, $6) - you just click one, click a...
by GoldStar
Fri Oct 12, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2845

Re: Which one: Lyft or Uber?

Uber is way better than Lyft Can you be more specific? I find them to be virtually identical but with Lyft I often get friendlier drivers and a slightly better fare. I've used both for years and emphatically say that Lyft is way better than Uber . Here are my reasons: 1) Uber drivers have canceled ...
by GoldStar
Fri Oct 12, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33703

Re: U.S. stocks continue to soar!

NASDAQ up over 2%; Other indexes up over 1%.

Market will be back in soaring territory soon :)
by GoldStar
Fri Oct 12, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4682

Re: Keep a backup hot water heater?

Also "hot water heater" is a redundant misnomer. Why would you have a device to heat water that's already hot? It's really a cold water heater but why even specify? Just call it a "water heater". We actually used to have a "hot water heater". When we bought our house, it had two water heaters, pipe...
by GoldStar
Fri Oct 12, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4682

Re: Keep a backup hot water heater?

Get one with a lifetime warranty. Like the 'lifetime' fluid in my transmission? :mrgreen: I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before i...
by GoldStar
Fri Oct 12, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2845

Re: Which one: Lyft or Uber?

I use Uber exclusively although I have the Luft app too just in case. Two reasons. 1. Uber was the pioneer and without it maybe the whole concept wouldn't exist as they fought all the tough battles. 2. Lyft has taken political positions and emailed me about them and I don't like anything political ...