Search found 351 matches

by yohac
Tue Jun 23, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Product Change (cc)
Replies: 5
Views: 812

Re: Chase Product Change (cc)

rich126 wrote:
Tue Jun 23, 2020 8:18 pm
Has anyone been able to switch from an annual fee card to a no AF card via the secure messaging system?
I've never been able to do a product change without calling. They have to read off their list of terms and conditions, and get your verbal agreement.
by yohac
Sun Jun 21, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 2849

Re: Tipping Tree Trimming

Movers and furniture delivery guys are routinely tipped, but not tree guys? Not much logic to this system.
by yohac
Thu Jun 18, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Tipping why % of bill and not flat amount?
Replies: 159
Views: 9213

Re: Tipping why % of bill and not flat amount?

I hate the system itself and wish it would go away. It's awkward and uncomfortable to be in charge of a stranger's compensation. Me too, but restaurants have tried eliminating tipping and raising prices accordingly. They not only lost their best employees, they lost business. If you have the choice...
by yohac
Wed Jun 17, 2020 3:57 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 28
Views: 1814

Re: My very first $martphone!!! Please help me decide.

02nz wrote:
Wed Jun 17, 2020 3:53 pm
(I don't think yohac is correct, BTW, that the G Power is a year newer. Both of the phones you mentioned came out in early 2019.)
The G7 Power came out last year. The G Power was released in 2020. Motorola's fault for confusing model names.
by yohac
Wed Jun 17, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 28
Views: 1814

Re: My very first $martphone!!! Please help me decide.

If it's between those two, I'd definitely take the Moto G Power. It's a year newer, has a faster processor and a much larger battery. Don't underestimate the battery factor, especially if you travel a lot.
by yohac
Sat Jun 06, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10545

Re: Girlfriend paying rent

ohboy! wrote:
Sat Jun 06, 2020 3:38 pm
Anyways, we have agreed she will move in and pay me $750 a month.
Then I would stick to the agreement, unless something material has changed since making it.
by yohac
Wed Jun 03, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's expectations of subsidizing her friends' lives
Replies: 82
Views: 4468

Re: Wife's expectations of subsidizing her friends' lives

She considers her friends to be her family and therefore our family and that means we should freely share our money with them. Absurd, unless you're just stinking rich, in which case you'd presumably already be retired. Looks like she has the best friends money can buy. Accept it or not, but rest a...
by yohac
Wed Jun 03, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: Puzzling problem with outbound calls on Google Voice
Replies: 6
Views: 495

Re: Puzzling problem with outbound calls on Google Voice

I have three Google Voice numbers, all in the same area code and all are working normally.
by yohac
Tue Jun 02, 2020 4:43 pm
Forum: Personal Consumer Issues
Topic: What cellphone plan do you recommend?
Replies: 60
Views: 3796

Re: What cellphone plan do you recommend?

It depends on whether you really need unlimited data, maximum data speed, and whether you need every single phone feature (visual voice mail, wi-fi calling, hotspot, etc.) If you need all that, $150 for three lines isn't bad at all. If you don't, you could cut that bill by 2/3 or more by switching t...
by yohac
Tue Jun 02, 2020 3:28 pm
Forum: Personal Consumer Issues
Topic: Home Defense against the Horde
Replies: 38
Views: 2285

Re: Home Defense against the Horde

gmc4h232 wrote:
Tue Jun 02, 2020 3:07 pm
I just cant imagine being successful defending your home against a mob. I just think many of the mob are carrying guns and many more are drunk or on drugs and just looking for an excuse to start shooting....
Right, a "horde" worthy of the name won't be repelled by a shotgun. A machine gun, maybe.
by yohac
Tue Jun 02, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 315
Views: 17252

Re: Why the heck is the market up?!?!

It's up because of Fed intervention, far beyond anything we've seen before. The whole corporate bond market is now too big to fail.
by yohac
Tue Jun 02, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Should my Wife start collecting SS?
Replies: 12
Views: 1279

Re: Should my Wife start collecting SS?

That's a complex question. A lot depends on your savings, whether you can cover the bills on your salary alone, her health history, etc. Usually you are better off waiting - financially, that is. But there is an emotional aspect too. My wife retired a few years before me. Eventually she became very ...
by yohac
Sun May 31, 2020 8:09 am
Forum: Investing - Theory, News & General
Topic: Should I pull out of TIAA Real Estate...?
Replies: 36
Views: 2293

Re: Should I pull out of TIAA Real Estate...?

If I hadn't sold TREA already, I would have after seeing last month's 10% drop in the Green Street index.
by yohac
Thu May 28, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Car won't start
Replies: 31
Views: 1422

Re: Car won't start

If you can jump it and it stays running, I'd drive it to the store. Keeping my cell phone at the ready.
by yohac
Tue May 26, 2020 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Switching Insurance
Replies: 40
Views: 2041

Re: Switching Insurance

We switched recently. Our old company just processed the cancellation over the phone, no hassles. Maybe a month later, we received a check for unused premiums. That part should be automatic. It's easy to get online quotes. I won't recommend any particular company, as rates are so location-dependent....
by yohac
Tue May 26, 2020 3:37 pm
Forum: Investing - Theory, News & General
Topic: How to avoid tinkering?
Replies: 40
Views: 2165

Re: How to avoid tinkering?

Your income is roughly 13 times your expenses? Wow! Pretty sure you'll be fine.
by yohac
Tue May 26, 2020 3:13 pm
Forum: Personal Investments
Topic: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?
Replies: 8
Views: 496

Re: Does anyone know how to get Fidelity to issue a paper check for a partial rollover?

That's pretty outrageous. I know you want to avoid an indirect rollover, but in this case it sounds like by far the cleanest option.
by yohac
Tue May 26, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 152
Views: 10285

Re: Simple jobs during FATFire?

What are some good jobs/occupations during that time that require minimal time (say 20 hours) but yet provide the advantages of having a job, like health insurance, interactions with colleagues, mental stimulation etc. Don't want to be as blunt as the other commenter, but there are very few jobs in...
by yohac
Tue May 26, 2020 8:41 am
Forum: Personal Investments
Topic: Buy CDs with credit card or debit card?
Replies: 12
Views: 1042

Re: Buy CDs with credit card or debit card?

I would never bother to create a new account over 600 bucks, but apparently there are still banks and credit unions that will let you fund an account with a credit card:

https://www.hustlermoneyblog.com/fundin ... edit-card/
by yohac
Mon May 25, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 88
Views: 5671

Re: New Vehicle: Forester or Rav4 for boglehead couple

We have a RAV4 hybrid and like it, no problems.
by yohac
Mon May 25, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Yahoo Mail Logs Out Repeatedly
Replies: 18
Views: 850

Re: Yahoo Mail Logs Out Repeatedly

A change in security software (firewall, antivirus, anti-spyware) could be a suspect.

If you're using Windows 10, consider using its default Mail app, rather than the ad-riddled mail.yahoo.com
by yohac
Sun May 24, 2020 2:05 am
Forum: Personal Consumer Issues
Topic: $250 off new iPhone SE via trade-in arbitrage
Replies: 16
Views: 1748

Re: $250 off new iPhone SE via trade-in arbitrage

cos wrote:
Sun May 24, 2020 12:01 am
Is the new iPhone SE unlocked? How easily can I resell it for a profit?
Not unlocked unless you pay it off, plus you commit to 24 months of T-Mobile postpaid. But it's a good deal if you're okay with that and have a 7 in good condition to trade in.
by yohac
Sat May 23, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Proper Protocol to Handle Fender Bender
Replies: 48
Views: 9652

Re: Proper Protocol to Handle Fender Bender

TOJ wrote:
Sat Jun 04, 2016 9:08 pm
Also, good luck getting police to show up to minor fender bender.
Yup. Where I live, unless it's an emergency, they direct you to the online self-reporting form.
by yohac
Sat May 23, 2020 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I go to grad school?
Replies: 24
Views: 1677

Re: Should I go to grad school?

Sounds like you're simultaneously looking for both IT job insurance, and a path out of IT. It's your time and money, but after 37 years in IT, I can't think of a single person who pursued an IT-related masters after 15 years of successful experience. Seems like this would be the time to get some edu...
by yohac
Sat May 23, 2020 7:31 am
Forum: Personal Consumer Issues
Topic: NJ property taxes too high. What are my alternative states?
Replies: 97
Views: 7891

Re: NJ property taxes too high. What are my alternative states?

Downsizing sounds like a good idea. But moving to another state to save at best a few thousand a year would never fly with DW. Connections are everything.
by yohac
Thu May 21, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: Who's right about the future? Stock or Bond market?
Replies: 50
Views: 4610

Re: Who's right about the future? Stock or Bond market?

My worthless opinion is that the S&P 500 should not be higher than last October, when the unemployment rate was 3.6% and there was no pandemic. Yet here we are. Perhaps people are betting that the government simply won't allow the market to crash. In which case, earnings don't really matter and yes,...
by yohac
Thu May 21, 2020 3:37 pm
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 6188

Re: I freaked out…now what?

My logic at the time was to convert everything over to one account and use the 3/4 fund approach going forward. I suggest you dump it all into a single Life Strategy or Target Retirement fund, then try hard to forget about it. Otherwise the next really bad stretch will tempt you to tinker some more.
by yohac
Tue May 19, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring Help
Replies: 85
Views: 4567

Re: Engagement Ring Help

Consider bluenile.com. I bought my wife's diamond there. Very reputable.
by yohac
Mon May 18, 2020 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to poor life decision affecting job
Replies: 28
Views: 3237

Re: How to respond to poor life decision affecting job

Probably every single individual on this board has made a similar (in scope) decision in their life that didn't work out and that they regret I returned to an old employer once, after only being gone about a year. It wasn't the same. Different people, different expectations. You can't go home again.
by yohac
Mon May 18, 2020 7:19 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to poor life decision affecting job
Replies: 28
Views: 3237

Re: How to respond to poor life decision affecting job

I dream of being back at the old company every day. I've made strivings in that direction but their finances have not yet allowed for an opportunity to come through, although I do know they'd have me back if they could. Has someone there with hiring authority explicitly told you that? If not, you'r...
by yohac
Sat May 16, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Hacked ID and credit card
Replies: 3
Views: 521

Re: Hacked ID and credit card

I am thinking of getting a USPS mailbox and change all my credit card addresses there. That way at least if someone creates a fake ID in my address in the future, I can easily change my PO Box number and not worry about it. What do you guys think about a US PS PO Box for this purpose ? Credit card ...
by yohac
Sat May 16, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6529

Re: How to get disinfecting wipes..seriously

csm wrote:
Sat May 16, 2020 7:34 pm
Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size.
Walmart.com has 6 and 16 ounce bottles available right now. Two day shipping, limit 1 each. We just got ours yesterday.
by yohac
Sat May 16, 2020 7:35 am
Forum: Personal Investments
Topic: Transfer of 403B at TIAA to Vanguard
Replies: 6
Views: 527

Re: Transfer of 403B at TIAA to Vanguard

If anyone has transferred their TIAA employer retirement account to Vanguard, I would appreicate your input on the best way to do this and if TIAA was an impediment in the process. Oh yes, you can expect they will an impediment. As others have said, the best route is to first convert the 403B to an...
by yohac
Wed May 13, 2020 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 482

Re: Problems applying for IRS Identity Protection PIN

I've read that they go by the caller ID name. Which effectively eliminates all prepaid cell plans, Google Voice, etc.
by yohac
Wed May 13, 2020 6:45 am
Forum: Investing - Theory, News & General
Topic: TIAA offering buyouts to 75% of US employees
Replies: 8
Views: 1254

TIAA offering buyouts to 75% of US employees

Not an immediate concern to TIAA investors, but a headline like this at Vanguard or Fidelity would spook a lot of people.

https://www.jaxdailyrecord.com/article/ ... -employees
by yohac
Tue May 12, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance - To but or not to buy
Replies: 17
Views: 1061

Re: Dental Insurance - To but or not to buy

whereskyle wrote:
Tue May 12, 2020 1:50 pm
I am just wondering if anyone knows of a dental plan that is worth its cost.
A lot depends on whether your dentist gives a discount for cash customers (mine doesn't) and what insurers they accept. Cigna was the only one that made any sense for me.
by yohac
Fri May 08, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Recommendations for relatively cheap cell phones
Replies: 34
Views: 1621

Re: Recommendations for relatively cheap cell phones

protagonist wrote:
Fri May 08, 2020 11:17 am
That said, aren't a lot of the newer Android models narrower (though just as long), which may be easier for people whose hands are an issue?
I don't know if that solution would work for her but it might.
True, a Pixel 3a is only about 3 mm wider. So that's an option if she's used to Android.
by yohac
Fri May 08, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Recommendations for relatively cheap cell phones
Replies: 34
Views: 1621

Re: Recommendations for relatively cheap cell phones

protagonist wrote:
Fri May 08, 2020 9:19 am
That sounds very reasonable. The only issue is the phone may be too large for her. I like big phones. She does not (hands issue).
For someone who prefers smaller phones, the search pretty much starts and ends with iPhone SE.
by yohac
Tue May 05, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Stay employee and take a pay cut or go to contractor?
Replies: 13
Views: 813

Re: Stay employee and take a pay cut or go to contractor?

First off, while you say assuming that swap is fine... It's NOT up to you or the employer... It's about control over the duties, what other clients you have etc. Having said that - lots of people get away with that swap. Assuming you mean 1099 (vs some chop shop in between so your an hourly employe...
by yohac
Mon May 04, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: All gift cards orders on cardcash.com declined?
Replies: 14
Views: 1279

Re: All gift cards orders on cardcash.com declined?

It isn't just cardcash who does this. Awhile back I bought a $100 Sling gift card from the PayPal gifts site. First order, no problem. Ordered another one a few days later, they cancelled for "suspicious behavior". They are trying to prevent easy money laundering, where thieves buy multiple e-gift c...
by yohac
Sun May 03, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Houses Are Not Edible
Replies: 21
Views: 2907

Re: Houses Are Not Edible

There are quite a few hypotheticals in that scenario. For someone who has exactly six months EF, no other after tax investments, no IRAs or 401K (which can now be borrowed against for three years without penalty), maybe for that person it could make sense.
by yohac
Sat May 02, 2020 8:11 am
Forum: Personal Investments
Topic: [Cashed out in panic, how to get back in?]
Replies: 35
Views: 4024

Re: [Cashed out in panic, how to get back in?]

Behaviorally, there's a world of difference between "mirroring" and just dumping everything into a conservative balanced fund. I've never felt an urge to cash out of LS Conservative or Wellesley. But the urge to dump stock funds in volatile markets - yup, been there.
by yohac
Fri Apr 24, 2020 10:06 am
Forum: Personal Investments
Topic: I love Wellesley Income but would it get killed with rising rates? Would it be very bad to own in the 12% bracket?
Replies: 16
Views: 2498

Re: I love Wellesley Income but would it get killed with rising rates? Would it be very bad to own in the 12% bracket?

I have a lot in Wellesley also. No doubt that it has had great results. But Global Wellesley has not done as well in its short existence, underperforming LifeStrategy Conservative. Everyone knows that international has lagged US. But with two of the same managers as original Wellesley, plus the opti...
by yohac
Thu Apr 23, 2020 7:44 am
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 8025

Re: All the upside of the S&P with 10% downside protection "Free"?

They also have 20% downside protection but a 150% upside cap for a 6 year term which would offer a nice cushion with this volatility. If I was inclined to look at this sort of thing at all, which I definitely am not, I would find this version more appealing. About the only time in history where the...
by yohac
Wed Apr 22, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5936

Re: Exit Interview

It really doesn't matter much what you say. At my last job I knew of three people who left, all of whom specifically named a VERY toxic employee as one of the main reasons for leaving. Guess what - she's still there.

As the saying goes, don't go away mad, just go away.
by yohac
Mon Apr 20, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: 100mbps vs 200mbps broadband speed
Replies: 48
Views: 1998

Re: 100mbps vs 200mbps broadband speed

If I could get 100 mbps (or 50 or even 30) for 40 bucks a month, I'd be all over it. Spectrum upped everyone in my area to 200 meg. Had to get a new modem (and cat 6 cables) just to measure the difference in a speed test. Absolutely no noticeable difference in real world use.
by yohac
Mon Apr 20, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: No longer desiring promotion - change career?
Replies: 43
Views: 2898

Re: No longer desiring promotion - change career?

There's absolutely nothing wrong with not wanting to go into management. I went through my entire career avoiding it. Still retired early. Now, if your current job isn't doing it for you either, that's another question.
by yohac
Sat Apr 18, 2020 2:13 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1206

Re: [Looking for HSA provider that offers VTSAX or VTI]

Fidelity if you already have a relationship with them, but Lively is good too, very easy to set up and offers access to TD Ameritrade.
by yohac
Fri Apr 17, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 159
Views: 4522

Re: Long Term Care Insurance

The arguments for having long term care insurance are at least as compelling as the arguments for having liability insurance or life insurance. You're actually more likely to spend a few hundred $K on a nursing home stay than on a lawsuit settlement, and you're more likely to end up in a nursing ho...
by yohac
Thu Apr 16, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 58
Views: 4990

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

I had a threatening spyware infect your pc and also record movie of YOU (using your webcam) while you looked at 'adult' websites. Should you not fulfill it within Twenty-four hrs, I most certainly will create your life terrible by sending that video clip to Every person you know. Your time starts r...