Search found 676 matches

by 3-20Characters
Wed Nov 20, 2019 8:57 am
Forum: Personal Investments
Topic: Why ally bank
Replies: 52
Views: 6699

Re: Why ally bank

I think their website and apps are if not best in class, certainly up there. Their rates are up there (competitive). I’ve read some complaints here about CS but have not personally experienced any myself. The few times I’ve called, they’ve been great. I don’t chase small % increases in interest (whi...
by 3-20Characters
Wed Nov 20, 2019 6:31 am
Forum: Personal Investments
Topic: Leaving large amount of money in savings at 0.05%?
Replies: 20
Views: 2157

Re: Leaving large amount of money in savings at 0.05%?

The only thing I worry about with an online bank is getting hacked and losing my money or something. I guess maybe I'm being ridiculous, but I like it in a brick and mortar bank/credit union. Really though, it's not PHYSICALLY even at my bank! All your banking/money is digital. When you got to your...
by 3-20Characters
Wed Nov 20, 2019 6:22 am
Forum: Personal Investments
Topic: Leaving large amount of money in savings at 0.05%?
Replies: 20
Views: 2157

Re: Leaving large amount of money in savings at 0.05%?

No reason to accept such low rates. You don’t have to chase the max interest rate but you should get somewhere in the ballpark for the bulk of you your cash on hand. This can add up to lots of “free” money every year. - Establish ACH transfer to ally and/or MM at vanguard and transfer excess funds f...
by 3-20Characters
Mon Nov 18, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

apple stuff is amazing It used to be. Now I can't get many things to work. My wife's contacts show up on my phone. My texts show up on my kid's ipad. I have a family plan with individual IDs. Then have to go to the apple store where the "geniuses" are no help. What does “family plan” mean to you? S...
by 3-20Characters
Sun Nov 17, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Juice Jacking - phone data theft
Replies: 21
Views: 2171

Re: Juice Jacking - phone data theft

This potential threat has been around a while and has been greatly mitigated with security updates and other changes on both android and iOS. If you’re worried, just use the AC adapter and cable. In fact, just do that anyway. Very low on my worry list.
by 3-20Characters
Sat Nov 16, 2019 7:45 am
Forum: Personal Investments
Topic: 50/50 to 45/55
Replies: 38
Views: 3069

Re: 50/50 to 45/55

I’m 50/50. Going to 45/55 is not appreciably different but it can serve as a “gateway AA” to getting to 40% equities or less—if that's your goal. I’ve considered it myself but I have talked myself out of it every time.
by 3-20Characters
Fri Nov 15, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 89
Views: 10114

Re: Disturbing experience with Ally Bank

OP, sorry for your frustrating experience. Thanks to this thread, I’ve learned something new about push/pull. I may need to rethink how I do things going forward. So far, no problems with ally but I have not transferred large amounts. I suppose it’s good that banks scrutinize ach transfers given the...
by 3-20Characters
Thu Nov 14, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4432

Re: Is LastPass still top in security, any reason to switch?

Worth noting that in 1Password, when you're in edit mode, you can create new fields of any type including new password fields. So you could create a new password field where the field label is the security question, and the password entry is the answer. It's a little more structured than dumping th...
by 3-20Characters
Thu Nov 14, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Wait for Social Security - breakeven returns
Replies: 107
Views: 9849

Re: Wait for Social Security - breakeven returns

Sure. That's somewhat uncommon though, because it implies that you're already 100% stocks in the portfolio. (This is what Grabiner was getting at above.) One in 10 participants have taken an extreme position, holding either 100% in equities (6% of participants) or no equities (3% of participants). ...
by 3-20Characters
Wed Nov 13, 2019 11:57 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4432

Re: Is LastPass still top in security, any reason to switch?

...Many sites I use ask a large number of extra security questions of their choosing - I include all of that in lastpass because I can't remember if I entered "Toyota, Toyota Carolla, or just Carolla" :D Don't answer correctly - make something up and put it in your password manager of choice. What ...
by 3-20Characters
Wed Nov 13, 2019 11:02 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 44
Views: 4432

Re: Is LastPass still top in security, any reason to switch?

TLDR I’ve been using the free version of 1Password since forever (I don’t think the free version is still available but I’m not sure). I prefer the free over the paid version (I’ll explain why below). I tried lastpass twice but did not like the interface and had plenty of trouble importing data. Th...
by 3-20Characters
Mon Nov 11, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: VPN % question
Replies: 19
Views: 1527

Re: VPN SWR % question

Longinvest, for some reason I can’t be the worksheet to work, but looking at the table, I’m 53 with a 50/50 portfolio, so it looks like 4.2% for now. After clicking on the worksheet's link, you need to: Sign into your Google account (if not already signed in). Make a copy of the file as follows: Fi...
by 3-20Characters
Sat Nov 09, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 6695

Re: Was I ripped off at the car dealership?

I’ll play devil’s advocate. We don’t know what vehicle you have (unless I missed it, you say ford but not the model). Looking up Ford Explorer for example, the price is not out of whack and may even be low. How much the part costs is immaterial. That’s like saying dinner at the restaurant cost me $5...
by 3-20Characters
Wed Nov 06, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 10313

Re: How common is ACH fraud on checking accounts?

I consider having alerts on every account a primary responsibility along with strong, unique passwords (password manager) and 2FA. This should be the minimum for anyone these days. On average, I get like 3 alerts from ally for every transaction (1 that it’s been initiated, 1 that’s it’s about to be ...
by 3-20Characters
Wed Nov 06, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 119
Views: 11565

Re: Apple Card

I went through the process of thawing credit to apply today. Approved immediately. Tried to use the new card via my watch tonight and got the check mark, but the POS asked for payment again. Tried once more, and same thing. Since there was a line forming, I opted to use another card on Apple Pay (v...
by 3-20Characters
Mon Nov 04, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 62
Views: 4502

Re: Wife's car hit in a parking lot - how to deal with various issues?

I tried to be nice to a young delivery dude a long time ago. You can guess how it ended up. I never saw a cent. Lesson learned. Many people have every intention of doing the right thing at time of accident but something changes for many of them as time goes by.
by 3-20Characters
Sun Nov 03, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

I’d venture a guess that your CC provider collects way more information about your shopping habits than Apple does through Apple Pay. A lot of of the comments here about Apple Pay are by people who don’t understand what it is or how it works.
by 3-20Characters
Sat Nov 02, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

I use Apple Pay for everything but don’t have an Apple credit card Me too I use it every time it is available. I have two credit cards in my apple wallet. It always defaults to one card. I occasionally want to use the other card but not sure how to do it efficiently in real time without a bunch of ...
by 3-20Characters
Fri Nov 01, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Unique withdrawal method
Replies: 65
Views: 6932

Re: Unique withdrawal method

JoeRetire wrote:
Fri Oct 18, 2019 4:01 pm
cheese_breath wrote:
Fri Oct 18, 2019 3:32 pm
My unique method is withdraw it when I need it, otherwise let it grow.
Sorry, that's not unique. There are obviously two of us using that method. :happy
I use this method as well. I learned it from George Costanza. It was in his risk management book.
by 3-20Characters
Fri Nov 01, 2019 3:59 am
Forum: Investing - Theory, News & General
Topic: Transitioning my Account ~ Not Mandatory
Replies: 61
Views: 5159

Re: Transitioning my Account ~ Not Mandatory

I still don't think I understand. Are you saying that you can have only one beneficiary for all your accounts at Vanguard? That's the way it was explained to me. Just One Payable on Death per brokerage account. Do I need to have TWO now ? We spoke at length for over 15 minutes, and he could not und...
by 3-20Characters
Fri Nov 01, 2019 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Opened Fidelity i-401k, need to “terminate” existing Vanguard SEP
Replies: 2
Views: 284

Re: Opened Fidelity i-401k, need to “terminate” existing Vanguard SEP

Anecdotal information from other Bogleheads indicates that Vanguard does nothing with this information. I just want to verify that you have not made any employer contributions to the Vanguard SEP IRA for the 2019 tax year. You can not contribute to a 5305-SEP for the same tax year you maintain a 40...
by 3-20Characters
Thu Oct 31, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

Keeping track of credit cards is trouble enough and until apple is accepted everywhere seems to me another complication rife with additional unknown security issues. But I get it, it's what the cool kids do. Sorry but this makes no sense. How is using Apple Pay more trouble or less secure? It’s lit...
by 3-20Characters
Thu Oct 31, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Budget tracking with CC "float"
Replies: 19
Views: 968

Re: Budget tracking with CC "float"

I’ve always recorded expenses when incurred—not when the cc bill is paid. So, if my cable is charged automatically on 12/28/2019, it gets recorded then even though cc bill won’t be paid until following year. I don’t know if this is the correct way to do it but I see no reason to change. I have detai...
by 3-20Characters
Thu Oct 31, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Opened Fidelity i-401k, need to “terminate” existing Vanguard SEP
Replies: 2
Views: 284

Opened Fidelity i-401k, need to “terminate” existing Vanguard SEP

According to the IRS, I should notify Vanguard. Has anyone done this and if so how did you go about it? Email? Letter? Any particular wording I should use? Yeah, I know I’m overthinking it but indulge me. :D Terminating a SEP | Internal Revenue Service To terminate a SEP, notify the SEP-IRA financia...
by 3-20Characters
Wed Oct 30, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

You can enter several cards, but Apple seems to make it hard to tell them apart when all are Visa cards. Is there any way to nickname or label the different cards to help tell them apart in Apple Pay? Since Apple Pay only shows the same generic Visa card graphic for each of three Visa cards I enter...
by 3-20Characters
Wed Oct 30, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

Am I missing something, most terminals I see don't list Apple Pay. Do they have to? I think I was only able to use it once. They don’t have to but many do. If you see the logo that shows the terminal accepts NFC payments, hold your phone near the terminal and see what happens. https://upload.wikime...
by 3-20Characters
Wed Oct 30, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

I use Apple Pay for everything but don’t have an Apple credit card Please explain how that works if you don’t mind. Thanks Apple Pay is a contact less technology that allows you to make credit/debit card payments using your iPhone instead of getting your card out. You add your credit card info to t...
by 3-20Characters
Wed Oct 30, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

I don't use the phone-based contactless payments because NFC is a drain on device battery. Fumbling around at the register to turn it on, or alternatively keeping my phone plugged in more often isn't ideal. What's the point of wireless technology if you're tethered to a charging cable all the time?...
by 3-20Characters
Wed Oct 30, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit? Questions 2019
Replies: 19
Views: 1631

Re: Freezing Credit? Questions 2019

Freezing and freezing can be simple or a PITA depending on the agency. Equifax is a mess but TransUnion is smooth as silk. Nevertheless, considering the repercussions of identity theft, I would move mountains to get it done. The key is to establish an online account or go through whatever process is...
by 3-20Characters
Wed Oct 30, 2019 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12129

Re: Apple Pay. Does anyone use it?

I have an Apple Card and use Apple Pay wherever it’s accepted. I’ve been using Apple Pay since early days—way before the Apple Card—mostly for the convenience. If not sure whether it’s accepted, I just hold my phone near the reader and wait for it to work. If it doesn’t, I just use a cc the conventi...
by 3-20Characters
Mon Oct 28, 2019 9:31 am
Forum: Personal Finance (Not Investing)
Topic: 2 SS questions
Replies: 7
Views: 725

Re: 2 SS questions

vtMaps wrote:
Mon Oct 28, 2019 7:42 am
I can answer part of the second question.

Yes, the income limitation applies to survivor benefits. If John dies early, his benefit becomes the survivor benefit. There is an exception. If John's benefit were less than 85% of his PIA, she would get bumped up to 85% of his PIA.

--vtMaps
Thanks!
by 3-20Characters
Mon Oct 28, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: 2 SS questions
Replies: 7
Views: 725

Re: 2 SS questions

If John collects benefits prior to his full retirement age (FRA), e.g., at age 62, for every two dollars of John´s earned income above $17,640, his current SS benefits go down by one dollar. John´s earned income for this purpose is his wages (i.e., amounts subject to reporting in Box 3 of his W-2) ...
by 3-20Characters
Mon Oct 28, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Insights into phishy email about apparently genuine order and shipment?
Replies: 5
Views: 695

Re: Insights into phishy email about apparently genuine order and shipment?

I get many similar emails per week. I don’t waste a moment’s thought other than to send them to trash. No need to check cc as I have alerts, so I would have been notified. I also get “your statement is ready” notifications from axis bank and I’m on a parents’ school mailing list from another state. ...
by 3-20Characters
Mon Oct 28, 2019 7:16 am
Forum: Personal Finance (Not Investing)
Topic: 2 SS questions
Replies: 7
Views: 725

2 SS questions

Example: [/b] Husband/wife John and Jane, are each 62 years old, no children, no precious marriages. Their work history and projected SS benefits are nearly identical. They are self-employed (work together, split proceeds of partnership, and file jointly). Q1: If John claims at 62, for every $2 of ...
by 3-20Characters
Sun Oct 27, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Adventures in iPhoning [should I upgrade now?]
Replies: 14
Views: 1022

Re: Adventures in iPhoning [should I upgrade now?]

I would wait unless there’s a pressing reason. Technology only gets better and cheaper with time—practically every few months. That said, when it’s time it’s time, and I don’t wait for the next thing. Personally, I have noticed nothing but improvements in speed, functionality, and battery life since...
by 3-20Characters
Fri Oct 25, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I will confess I don't understand this remark: "the way Apple used to be cheaper reliable alternative and now is more luxury brand." My perception of Apple is that it has been a "luxury" brand for a long time. +1. Apple products have sold at a premium for as long as I can remember. The question eve...
by 3-20Characters
Thu Oct 24, 2019 4:48 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5490

Re: Does the Average Homeowner Need a Water Shut Off Valve

iamlucky13 wrote:
Thu Oct 24, 2019 4:04 pm
Water would indeed drain into the dishwasher from the second floor pipes.
So in a one level condo this wouldn’t be an issue?
by 3-20Characters
Thu Oct 24, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Does the Average Homeowner Need a Water Shut Off Valve?
Replies: 56
Views: 5490

Re: Does the Average Homeowner Need a Water Shut Off Valve

Not a bad idea pending more research. We had a crazy thing happen last summer, when we went on vacation, I manually turned the house water off. For some reason this caused a flood in my kitchen, apparently there is a valve in dishwashers which requires pressure to keep it closed. In the lack of wat...
by 3-20Characters
Wed Oct 23, 2019 4:06 pm
Forum: Investing - Theory, News & General
Topic: Transitioning my Account ~ Not Mandatory
Replies: 61
Views: 5159

Re: Transitioning my Account ~ Not Mandatory

I was prompted over and over by vanguard to transition many years ago (must be 10 years or so). I transitioned the tax deferred accounts and then lost steam on the taxable. Vanguard soon stopped prompting me and hasn’t since. I am not against transitioning but I have no motivation either. I only hol...
by 3-20Characters
Wed Oct 23, 2019 5:40 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3913

Re: Moving my home landline phone number to MagicJack - good idea?

I am over 40 and never had a land line (except in campus as a student,, and of course when I was living with my parents). Why do people have one? I keep my Verizon land line for reliable 911. Cost is $26.42 a month. Isn’t that VOIP? Isn’t VOIP unreliable for 911? * As to why people keep landlines, ...
by 3-20Characters
Sat Oct 19, 2019 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a risk to overdraft protection feature?
Replies: 23
Views: 1440

Re: Is there a risk to overdraft protection feature?

OP may get an alert. But, the money will be gone by then. It is up to OP to get the bank to chase the money back. Sorry, didn't make it clear. After you get the alert you have to notify the bank yes, you approve payment, otherwise, the check will not be honored. I’m not familiar with such an alert....
by 3-20Characters
Sat Oct 19, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I am now deeply entrenched in the Apple ecosystem, along with my entire family, and I am extremely happy with the features and overall experience. Can you (or anyone) delve deeper into what it means by being in the "Apple ecosystem"? ITunes is the least of it. For us it means FaceTime Shared photo ...
by 3-20Characters
Fri Oct 18, 2019 11:05 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

There’s a flaw in the iOS/Android comparison—Windows v. Mac as well. Look at it this way: Say 10 companies are selling cars. 9 companies sell only red cars and one company sells only blue cars. Red car sales dominate. What can we glean from this? What if I told you that the blue car company was numb...
by 3-20Characters
Fri Oct 18, 2019 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 15217

Re: I bought a STOLEN vehicle!!!

OP, I’m sorry this happened to you. I think there is a tendency to blame ourselves for everything that goes wrong. If I had done this, if I had done that, etc. I think that you acted prudently but it seems that bad actors are always one step ahead because they have lots of practice and experience. I...
by 3-20Characters
Wed Oct 16, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I say tomato, you say to-maaah-to. I've never been able to convince an Apple fan to switch regardless of the specs on paper. They are hardcore fans. ( Disclosure: I love my Mac and will likely never go back to a PC, but I'd never get an Apple phone or Apple watch) Specs don’t matter to me. I use a ...
by 3-20Characters
Wed Oct 16, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10057

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Why did you choose an iPhone? Apple ecosystem. How often do you upgrade? When necessary to stay up to date with iOS and the stock apps (numbers, pages, notes, mail, safari, etc). Usually 3-4 years. Why did you upgrade? See above. Have you ever used an Android OS based device, and if so, what do you...
by 3-20Characters
Tue Oct 15, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: eBay resolved dispute in my favor — how long before refund?
Replies: 9
Views: 835

Re: eBay resolved dispute in my favor — how long before refund?

I received a full refund today. Thanks to all for the help!
by 3-20Characters
Sun Oct 13, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: duckduckgo
Replies: 31
Views: 4123

Re: duckduckgo

Took me 10 seconds to set up DDG as my default search engine on my chromebook. Just right click on duckduckgo.com and follow the prompts. For iOS/safari users, virtually the same. Just go to safari prefs in settings. You have options for search engine defaults: google, bing, yahoo, and duck. I’ve b...
by 3-20Characters
Fri Oct 11, 2019 10:56 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 3210

Re: lastpass noob question

I don't disagree, but how many people will generate unique strong passwords for each site they visit using this method? And then how do you handle access when on the road, or even on a PC on a different floor? Or when using a.smart phone? Password managers meet a clear need. Password managers do me...
by 3-20Characters
Fri Oct 11, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: eBay resolved dispute in my favor — how long before refund?
Replies: 9
Views: 835

Re: eBay resolved dispute in my favor — how long before refund?

Give ebay a call. On the rare occasions I have had to return items for a refund without seller compliance, calling them resolved all issues in a timely manner including processing the refund. I dread calling so I’ll wait a bit longer to see if it resolves by the due process the eBay applies. Using ...