Search found 92 matches

by FunnelCakeBob
Fri Apr 17, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2602

Re: How to get Disinfectant Spray? seriously.

If you're cleaning hard surfaces like countertops and household fixtures, soap and water in a spray bottle should be fine. Just saturate to dampen, wipe, then dampen again with just water and wipe dry.
by FunnelCakeBob
Fri Apr 17, 2020 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Approved for mortgage but spouse just got furloughed
Replies: 11
Views: 1748

Re: Approved for mortgage but spouse just got furloughed

Same advice as those who say you should report this as you've likely agreed to disclose any material change in financial situation as part of your mortgage application. You don't want to withhold this information now and potentially give the creditor an excuse to attempt to foreclose years down the ...
by FunnelCakeBob
Thu Apr 16, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 57
Views: 4488

Re: Advise what to do after receiving email from Hacker trying to extort money

I received the same email yesterday. It's a scam. Just ignore, report as spam, and delete. The email I received had an old password that was used with LinkedIn many years ago. Someone already noted that this is related to the hacking of LinkedIn passwords. I think the hacking took place around 2012 ...
by FunnelCakeBob
Mon Apr 06, 2020 10:58 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20128

Re: What are you doing for haircuts due to coronavirus shutdown?

I've been cutting my own hair since the Great Recession when I was laid off. If I want, it's easier to just buzz off my hair, and keep that look. Otherwise, it's #2 on the side and back and #4 on the top. I've gotten good enough at it that no one would have guessed I cut my own hair.
by FunnelCakeBob
Wed Mar 25, 2020 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Dragging - Unresponsive Lender?
Replies: 3
Views: 446

Re: Refinance Dragging - Unresponsive Lender?

I echo the previous responder. Sit tight, check with your lender weekly. Hopefully you're a long way from the expiration of the rate lock period. If the expiration date is approaching, certainly check with the lender to confirm an extension of the rate lock. With the rush to refinance, there may be ...
by FunnelCakeBob
Wed Mar 25, 2020 12:43 am
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3079

Re: How are you supporting your community?

I'm ordering quite a bit of takeout from my favorite neighborhood restaurant. Gonna take the bike to the local bike shop to be serviced. And finally get some needed outdoor exercise. Taking the car to the local mechanic instead of the import specialist for some routine work. Walking to the neighborh...
by FunnelCakeBob
Sun Feb 23, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 282
Views: 33550

Re: Did you celebrate when you finally hit $1m?

I didn't go out of the way to celebrate. Hitting the $1M mark is a nice achievement for sure. But it's not something to live on in a HCOL area. Plus, by the time I retire, $1M would be worth far less due to inflation.
by FunnelCakeBob
Tue Feb 11, 2020 5:00 pm
Forum: Personal Investments
Topic: Universal Life Insurance (asking for my mother)
Replies: 14
Views: 833

Re: Universal Life Insurance (asking for my mother)

Universal life insurance would be a very poor product for your mother, especially at her age and potential lifespan. However, does she even have dependents who rely on her for financial support? That'd be the intended purpose for a life insurance policy in estate planning. If yes, term life insuranc...
by FunnelCakeBob
Sun Feb 09, 2020 12:23 am
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5494

Re: Anyone watch the Amazon series “The Expanse”?

Love the series. Really enjoy the plotlines and actors of all backgrounds. I binged the 4th season in 3 days.
by FunnelCakeBob
Mon Nov 25, 2019 2:49 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6136

Re: Stinky Front Loader (Washer)

I use vinegar in the rinse cycle. It eliminates detergent residues from both the clothing and washing machine.
by FunnelCakeBob
Mon Aug 05, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4397
Views: 1252592

Re: What Book Are You Currently Reading? Part VI

"The Boys in the Boat" by Daniel James Brown. It's about the unlikely group of young men from the University of Washington who represented the US at the 1936 Olympics in Berlin in the 8+ men's crew. These were sons of blue-collar laborers, lumbermen, and farmers who came of age during the Great Depr...
by FunnelCakeBob
Mon Jul 22, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 20
Views: 1929

Re: HSBC checking bonus

I did the $350 offer on Advance Checking last year. Hsbc paid the bonus a couple weeks after I met the required holding period, no issue there. Website was decent. Opening the online account was a pita though. Lots of hoops and security layers to jump through because Hsbc had KYC and money launderin...
by FunnelCakeBob
Wed Jan 23, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Cleaning cast iron skillet
Replies: 37
Views: 3095

Re: Cleaning cast iron skillet

I've used cast iron for more than 10 years and use only stiff nylon brush and hot water for cleaning. Then quick dry the cast iron on high heat and apply a thin coat of oil. It doesn't sound like you ruined your skillet but certainly had removed its existing seasoning. Just re-season your skillet wi...
by FunnelCakeBob
Sat Dec 15, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on Chase Credit Card -- Chase unresponsive
Replies: 19
Views: 3745

Re: Fraudulent charges on Chase Credit Card -- Chase unresponsive

I think the key to this was pinging them on multiple routes -- both by phone and by email. Tenacity is also important -- I am fairly sure they would have "forgotten" about the charges had I not kept after them. In the future I will keep better records about calls made so that I can make a better ca...
by FunnelCakeBob
Wed Oct 31, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 65049

Re: New HSA provider Lively offers investments for $30/yr fee

There may be a transfer fee and he says it's a one time thing, so the rollover route could be a better option. It's not like he will need to do another one before the end of the year. Valid point, though international001 didn't say specifically it's a one-time thing, only that employer contribution...
by FunnelCakeBob
Wed Oct 31, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 350
Views: 65049

Re: New HSA provider Lively offers investments for $30/yr fee

I plan to leave the contributions on HealthEquity (what my employer provides) and use them for medical payments. But I'll move the big chunk of money to something (like Lively). Anything wrong with my strategy? Be sure to move that money via direct trustee-to-trustee transfer and not a rollover whi...
by FunnelCakeBob
Tue Oct 30, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 16591

Re: Do you meditate?

I have been doing yoga 3 times a week for about 1 1/2 years. It has really helped me with back issues. I haven’t done the meditation yet, but may try in the future. It has helped me to “calm down” a bit too. Don I've been practicing yoga for more than 10 years and don't see it as a physical activit...
by FunnelCakeBob
Sat Oct 27, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

madbrain wrote:
Sat Oct 27, 2018 8:19 pm
I haven't seen this offer, but if you have the Chase Sapphire Reserve, 60k points are worth $900.
Thanks for this info. Is the extra 50% applicable only to redemption for travel rewards under CSR or does it apply to redemtion for cash as well?
by FunnelCakeBob
Sat Oct 27, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yet, Barclays hands out AA miles for just one purchase (even $1) on its credit card (with no 1099). And even more analogous to the AA situation, BankDirect gives out AA miles for their bank accounts (with no 1099). I suppose it's up to each institution to make it's own determination on whether a 10...
by FunnelCakeBob
Fri Oct 26, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I've heard that for the Sapphire Checking offer, each reward point is the equivalent of a penny and reported to the IRS as such. It'd be up to Chase to report based on redemption value structure of it's reward point program. Source? Why not 1.25c/URpt or 1.5c/URpt (reported to IRS)? Such things hav...
by FunnelCakeBob
Fri Oct 26, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

How can UR points be reported as income? Do they come up with some dollar value for 60k points? :confused By this logic why are credit card bonus points not treated as taxable income? You're missing the point that one offer comes from placing a deposit which does not involve spending or debt and th...
by FunnelCakeBob
Thu Oct 25, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Sweetner for Tea
Replies: 25
Views: 1379

Re: Sweetner for Tea

No sugar in my tea. I choose quality tea (black, green, oolong, pu-erh, matcha, etc), and each has it's own flavor profile. No adulteration needed.
by FunnelCakeBob
Fri Oct 19, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 14132

Re: What time do you get up in the morning?

Usually 5:45am if I'm heading into the office. This is after hitting the snooze button a few times. On days of working from home, I can wake up 8-8:30am and fire up the laptop while still in bed. If I switch to morning swim practice for winter, then I'll be waking up by 4:45am and be out the door by...
by FunnelCakeBob
Wed Oct 17, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Best way to complain about Hertz bait-and-switch?
Replies: 58
Views: 9336

Re: Best way to complain about Hertz bait-and-switch?

Years ago I had an unpleasant incident with Hertz where the agent at the airport tried to double the rental rate on me even though I presented the printout clearly showing my reservation and rate. Instead of then giving me the rate, she repeatedly tried to haggle. When I wouldn't budge and threatene...
by FunnelCakeBob
Wed Oct 17, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1718

Re: To replace old Volvo

I'm partial to Volvos and used to drive an S70 T5 myself. Depending on how long you will remain driving and your budget, a 2-8yo S60 or S80 would fit the bill. Some come with awd and auto stability and traction controls if you do a lot of winter driving in the snow.
by FunnelCakeBob
Sun Oct 14, 2018 11:59 pm
Forum: Personal Investments
Topic: Collective Investment Trust choice in 401k
Replies: 17
Views: 958

Re: Collective Investment Trust choice in 401k

I think they are commonly referred to as collective funds. Conceptually they work the same way as mutual funds but only accept money from very limited sources such as your company's 401k plan and other institutions or retirement plans that agree to follow the funds' rules. The funds may limit tradin...
by FunnelCakeBob
Sat Sep 29, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Dark stain wood floors
Replies: 27
Views: 2612

Re: Dark stain wood floors

Also consider the sheen of the clear top coat. A shiny coat such as semi-gloss or gloss will show imperfections and scratches easily. I wouldn't go for anything shinier than satin or eggshell finish.
by FunnelCakeBob
Sat Sep 29, 2018 3:28 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 25
Views: 9938

Re: Computershare Transfer Question

Sorry guys, I was just sharing my experience, I didn't know I'd have to defend whether or not I paid a fee that I didn't pay. Thanks for sharing your experience, and I think your former employer's plan paid the fee that otherwise would have been imposed for the sale. My experience with most Compute...
by FunnelCakeBob
Fri Sep 28, 2018 9:32 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 25
Views: 9938

Re: Computershare Transfer Question

My impression was that computershare is horrible to deal with, but Fidelity does it enough that they knew exactly how to beat the house. Fidelity was awesome, and ComputerShare was not. Agree regarding Computershare. I think they're stuck in the Stone Age and have outsource most its customer servic...
by FunnelCakeBob
Fri Sep 28, 2018 8:32 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 25
Views: 9938

Re: Computershare Transfer Question

Keep in mind that Computershare will sell any fractional share and send you the proceeds. For most stocks, the termination and sales charges are $15 plus about $0.15 per share. Also, I had originally set it up as an ACH link to my bank account but saw that there was another $20-30 charge, which is ...
by FunnelCakeBob
Fri Sep 28, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4994

Re: Experience With No Car? (Uber/Lyft)

I'm about to get a car after living without one for a year. (Previously I also had lived two years without a car when first moved to my house.) It's actually been great staying in shape by biking and combining that with transit if I need to go across the city. I've also used Uber and Lyft. I would ...
by FunnelCakeBob
Fri Sep 28, 2018 8:16 pm
Forum: Personal Investments
Topic: Computershare Transfer Question
Replies: 25
Views: 9938

Re: Computershare Transfer Question

I just transferred some stocks from Computershare to Merrill Edge. It was a cinch because I dealt only with ME. I used a ME transfer form, attached the stock statements from Computershare, and gave it to the investment analyst at ME. The ME form did not require a Medallion Signature Guarantee becaus...
by FunnelCakeBob
Wed Sep 26, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4950

Re: Anyone ever tired of managing hair and consider shaving to go bald

Shaving it will take more maintenance to keep the look. Some guys look great with shaved head; others better with short cut. I prefer buzzing my hair, or cutting it very short. Been doing it myself with a trimmer since I was laid off from a job during the Great Recession. Number 2 clipper on the top...
by FunnelCakeBob
Tue Sep 18, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bank used to be more customer focused
Replies: 46
Views: 6438

Re: Chase Bank is the Devil

Sounds like Chase gave you a raw deal. They have the right to make a business decision to charge a reasonable fee for service but you also have the right to say enough and walk out. I'm not sure how much it really costs Chase to make the import download available to customers. $9.95/month seems a bi...
by FunnelCakeBob
Sat Sep 15, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Allixi wrote:
Sat Sep 15, 2018 11:36 am
Do you really need a referral to get this $100 bonus for opening a Schwab brokerage account?
Nope. Just enter the offer code when you open the account.
by FunnelCakeBob
Fri Sep 14, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a problem that our mortgage lender doesn’t report to credit bureaus?
Replies: 17
Views: 1533

Re: Is it a problem that our mortgage lender doesn’t report to credit bureaus?

Understood. The banker said it quite categorically - “we do not report to credit bureaus”- which just surprised me. But it makes a lot of sense that there are ways it could end up reported nonetheless. Basically I was taken aback as I didn’t even know this was possible. And wanted to interrogate if...
by FunnelCakeBob
Thu Sep 13, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1785

Re: Vacation to San Francisco, Yosemite, Sequoia

You've received many fine suggestions from the forum. I second Carmel and Monterey for cultural and historical experience outside the Bay Area. But also consider going north to Pt Reyes and Napa/Sonoma wine country. I'd skip Yosemite unless it's a must. It's become overcrowded and overrun by weekend...
by FunnelCakeBob
Thu Sep 13, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 20051

Re: Bay Area housing frenzy cooling

Not all of the Bay Area is experiencing a real estate slowdown. Perhaps some sanity is restored in general but the real estate scene varies by location, neighborhood, and specific property. A house nearby just got snapped more than 50% over asking. That's not unusual in my area and I don't live the ...
by FunnelCakeBob
Thu Sep 13, 2018 12:10 am
Forum: Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 82
Views: 9273

Re: Fidelity, Schwab, or Vanguard

I'm sure Schwab is comparable to Fidelity now, but 15 years ago, they treated me badly. Back then, I didn't have much money and all I had was a very small amount of stock that I had inherited from my grandmother. Because the value was below $20,000, they charged me quarterly fees, and when I moved ...
by FunnelCakeBob
Mon Sep 10, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 46
Views: 5924

Re: Medallion Signature guarantee?

I've had luck with Chase. They didn't ask or confirm if I was a their customer, even though I had a checking account and credit card with them at the time. Be prepared by bringing the form for the stamp and the latest brokerage statement from the individual account, along with photo ID.
by FunnelCakeBob
Thu Sep 06, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4994

Re: Experience With No Car? (Uber/Lyft)

I'm about to get a car after living without one for a year. (Previously I also had lived two years without a car when first moved to my house.) It's actually been great staying in shape by biking and combining that with transit if I need to go across the city. I've also used Uber and Lyft. I would h...
by FunnelCakeBob
Thu Sep 06, 2018 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Value vs Cost Basis [Life] Insurance
Replies: 5
Views: 759

Re: Cash Value vs Cost Basis [Life] Insurance

Yes, it should be correct. However, if your policy also involves dividends or lawsuit settlement that represents return of premium then your cost basis would be different, and consequently the taxable amount.
by FunnelCakeBob
Fri Aug 31, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 50
Views: 5955

Re: Best Checking Account?

Nate79 wrote:
Fri Aug 31, 2018 10:55 am
Schwab. Free everything.
I use Schwab as well but their "branch locations" don't accept checking deposit, only brokerage deposits so that might not work for OP, who said he needs physical branch locations. Incoming wires are free but I think outgoing wires cost 25 bucks.
by FunnelCakeBob
Fri Aug 31, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 50
Views: 5955

Re: Best Checking Account?

Is Citibank imposing a hightened KYC requirement on you or you simply do not like dealing with their standard procedures? The reason I'm asking is if you're considered a "high risk" account (such as association with primarily cash-based business located near US south border, or high dollar amounts i...
by FunnelCakeBob
Wed Aug 29, 2018 10:00 am
Forum: Personal Investments
Topic: HSA - Vanguard Investments; Low Cost
Replies: 16
Views: 1139

Re: HSA - Vanguard Investments; Low Cost

I use Lively as well. I like the transparency in fees, the slick website, and investment options with TD Ameritrade. Customer service has been responsive whenever I have a question.
by FunnelCakeBob
Wed Aug 22, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5457
Views: 1351163

Re: What Movie Have You Recently Watched?

Crazy Rich Asians

There was a wedding scene in the middle of the film that was so unique and left everyone in the theater teary eyed.
by FunnelCakeBob
Mon Aug 20, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 27
Views: 2571

Re: 'Online Banking – School Me’ 2

How do you get the medallion signature guarantee? I've gotten it from the local Chase branch for free when I transferred my IRA to a new brokerage custodian. First Republic also offers them. Back to the main topic, I've kept most of my cash holding with online banks for almost 20 years. Never had a...
by FunnelCakeBob
Fri Aug 17, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If I do the online process for the HSBC deposit account, is there also an online process to transfer my taxable investment account? I don't want to go into a branch and don't have $100k in cash laying around. I don't know for sure. They may have an online process or require you to mail or fax in th...
by FunnelCakeBob
Fri Aug 17, 2018 12:55 am
Forum: Personal Finance (Not Investing)
Topic: What do you do with your interest from your ER fund?
Replies: 10
Views: 1178

Re: What do you do with your interest from your ER fund?

I leave the interest in the account and let it compound. It helps me keep up with inflation, somewhat.
by FunnelCakeBob
Fri Aug 17, 2018 12:43 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2119
Views: 372938

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

HSBC has a $750 bonus on $100k for 90 days. Investments count even though you know HSBC as a bank. The account requires you to maintain 100k or you are charged a $50/mo fee. https://www.us.hsbc.com/checking-accounts/campaigns/premier-offer-2018/ Every penny I have is currently earning me a bonus so...