Search found 1267 matches

by Cash
Sun Jun 17, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 17
Views: 786

Re: Has Anyone Tried Youtube TV?

I used it for a while before figuring out that DirecTV Now would give us more channels at a lower price point. We pay $20/month for their basic package + free HBO since it is linked to our ATT unlimited data plan. But it's only $35/month to get more channels than YouTube TV. YouTube TV has unlimited...
by Cash
Sun Jun 17, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 41
Views: 2658

Re: African Safari: Worth it or Hype?

Sure, if you are totally minted, go spend $5-10k on a safari. But you will get nothing more than a person paying $20 (in terms of wildlife). I know you want to think that, but there is no way we would have been able to spot what our expert tracker was able to spot, especially during our night drive...
by Cash
Tue Jun 12, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2517

Re: Foreign language immersion daycare

All right, you guys have convinced us not to subject ourselves and our child to the 1.5-hour daily commute :). If the daycare/school were closer to our jobs/home, it would be a no-brainer. We could move closer to the school, but then we would have a longer commute to work. None of that is ideal and ...
by Cash
Sun Jun 10, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2517

Re: Foreign language immersion daycare

You guys are giving us a lot to think about. We both love foreign travel and languages and thought that this would be a way to impart that love to our child (while perhaps giving him an upper hand in certain educational/career contexts later on), but perhaps we should approach that differently. We a...
by Cash
Sat Jun 09, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2517

Re: Foreign language immersion daycare

Thanks for the replies so far, everyone! To answer a couple of questions: We speak only English at home, though I know a decent amount of Spanish (part of our motivation: we both took Spanish in high school and college but are nowhere near fluent). We've considered getting an au pair, but a couple o...
by Cash
Sat Jun 09, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2517

Foreign language immersion daycare

We are expecting our first child this fall and are exploring childcare options. We will likely have a nanny for the first year. The question is what to do after that. There are several high-quality daycares close to our jobs, and we are on the waitlist for one that comes highly recommended. However,...
by Cash
Thu May 24, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5631

Re: Florida Living

smitcat wrote:
Wed May 23, 2018 12:39 pm
Violent crimes in Orlando are 941/100,000
And most of that is contained within a specific part of Orlando that most people never see.
by Cash
Sun May 20, 2018 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1465

Re: Fidelity CMA + MMF vs. online credit union

We also used to have accounts at BOA, Alliant, and Fidelity, and consolidated all at Fidelity. I think it's a nice, one-stop setup. We also have a checking account at TD Bank in case we need a physical branch for anything (once in the past two years). I also write all checks from that account, wher...
by Cash
Sat May 19, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1465

Re: Fidelity CMA + MMF vs. online credit union

We also used to have accounts at BOA, Alliant, and Fidelity, and consolidated all at Fidelity. I think it's a nice, one-stop setup. We also have a checking account at TD Bank in case we need a physical branch for anything (once in the past two years). I also write all checks from that account, where...
by Cash
Sat May 19, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 2738

Re: Any experience with Blue Apron?

We've been using Blue Apron most weeks for the past 4 years. We obviously like it a lot and even signed up for their overpriced, but convenient wine deliveries of 6 500ml bottles per month. I like that now you can pick the meals you want. I dislike that they seem to be cutting more corners lately an...
by Cash
Sat Apr 14, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 6031

Re: Help me choose a top law school!

I agree with the others in recommending UVA, but be aware that they have an odd OCI process to be as highly ranked as they are. I forget the specifics, but I believe employers are allowed to choose which students to interview. At my t-14 school, employers had to interview everyone who got a slot (th...
by Cash
Thu Mar 22, 2018 5:18 am
Forum: Personal Finance (Not Investing)
Topic: 250k Student Loan Payment Schedule
Replies: 67
Views: 10797

Re: [UPDATE] Re: 250k Student Loan Payment Schedule

After the next 12 months of payments, my balance will be ~$45k. I could pay this off with 15 additional months of minimum payments. However, I am expecting a post tax bonus next year of ~$65k and I am leaning towards using it to pay off my loans in full. It probably isn't the best idea to lump sum ...
by Cash
Tue Feb 27, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 11740

Re: Florida in the summer

And I would hate how short the summer evenings are in Florida. I can legit mow my lawn between 9 - 9:30 p.m. in my Minneapolis suburb in the summer. I can play catch with my son outdoors until it's time for bed in the summer. In Florida, your outdoor activities are done by 8 pm, in the summer. The ...
by Cash
Tue Feb 13, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5193

Re: Rolex

You best bet is to sign up for Rolex Forums and buy from the classifieds. There are many 'trusted sellers' with brand new watches available, still has the stickers, come with box & papers and full factory warranty of 5 years. Look here for classifieds: https://www.rolexforums.com/forumdisplay.php?f...
by Cash
Tue Jan 30, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3370

Re: Buying This Week: IPhone X or IPhone 8 Plus

I agree with those who say to get the X. I would never want to go back to a home button at this point, and the display and camera are amazing. I went to Antarctica recently and my only camera was the X. Fantastic photos. The rumors about it being "discontinued" are laughable. Apple is just choosing ...
by Cash
Tue Jan 30, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3370

Re: Buying This Week: IPhone X or IPhone 8 Plus

I have an X and previously had a 7Plus. I'm sorry I bought the X. Regardless of all the hype of how it's the same screen real estate as the plus, it is not. Period. Much harder to read due to the narrowness. Also it doesn't have the "substantial feel" in my hand that the Plus had. The face recognit...
by Cash
Tue Jan 23, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity taxable account recommendations
Replies: 7
Views: 1400

Re: Fidelity taxable account recommendations

That will almost certainly be more tax efficient than what you are proposing. It is more tax-efficient for me to do the opposite of what you propose. The correct answer depends on the OP's marginal tax rate. For munis, I use FTABX, but there is no state fund for my state. If you decide to mix in eq...
by Cash
Tue Jan 16, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: Anyway to compare metrics of today w stock bubble in 2000
Replies: 26
Views: 2526

Re: Anyway to compare metrics of today w stock bubble in 2000

...In 1999, there was euphoria in the market. I don't get any sense of euphoria today. In fact, I'd say that until last year, this was the most unloved bull market I've ever heard of... I continue to think the difference is that the 1995-2000 bull market was piled on top of a solid and long-sustain...
by Cash
Mon Jan 15, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3177

Re: Antarctica [anyone traveled there?]

The one thing that worries us, at our ages, is how far it would be in Antarctica should there be a really serious medical situation. OTOH, it's rather unlikely that "something" would happen right then. But still, it does give us pause... I believe when we went the cruise line demanded that we have ...
by Cash
Sun Jan 14, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Account Proliferation - any tips to manage or combat?
Replies: 7
Views: 730

Re: Account Proliferation - any tips to manage or combat?

This has obviously added to the numerous accounts DW and I already have (personal vs. joint, savings vs. checkings vs. money market, brokerage vs. 401k vs. Roth vs. tIRA, mortgage, credit cards). Moreover, these accounts are spread across numerous institutions (Vanguard, Fidelity, Wells Fargo, cred...
by Cash
Sun Jan 14, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 8
Views: 2008

Re: Fidelity Money Market Funds for everyday expenses

I also recently consolidated at Fidelity, and I use the Fidelity Municipal Money Market Fund (FTEXX) for my short-term holdings. Current yield is a tax-free (in my state) 1.11%.
by Cash
Sun Jan 14, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3177

Re: Antarctica [anyone traveled there?]

Very interesting. Are you aware of what the Tauck group "got" (lectures? or?) that those not using Tauck "got"? And do you happen to know if using Tauck cost more (could be less if they reserved in bulk, etc.)? Many thanks. Threads/posts like these (here and on CruiseCritic) are getting us more and...
by Cash
Sun Jan 14, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3177

Re: Antarctica [anyone traveled there?]

Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal. We actually just got back a few weeks ago from our Antarctic cruise on Le Boreal with the Tauck group (we booked directly with Ponant, but about 1/3 of the ship was booked by the Tauck group). I echo everything...
by Cash
Sun Jan 14, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 4469

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd get the E400. Having owned many fast German cars, you come to realize you can only drive so fast to work and back. A truly fast daily driver becomes an annoyance after a while because you never get out of 3rd gear. Right, unless you're taking it to a track, it really is a waste. We were recentl...
by Cash
Sun Jan 07, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 4469

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd get the E400. Having owned many fast German cars, you come to realize you can only drive so fast to work and back. A truly fast daily driver becomes an annoyance after a while because you never get out of 3rd gear. Right, unless you're taking it to a track, it really is a waste. We were recentl...
by Cash
Thu Jan 04, 2018 6:16 am
Forum: Investing - Theory, News & General
Topic: How long will Ishares etfs be commission free at Fidelity?
Replies: 11
Views: 1463

Re: How long will Ishares etfs be commission free at Fidelity?

I use the iShares ETFs in my tax-advantaged accounts, where I don't really care if I have to sell them down the road when Fidelity stops providing them commission-free (seems inevitable to me). In taxable, I just pay $5 every few months to buy my preferred Vanguard ETF (VT). I looked into Merrill Ed...
by Cash
Sun Dec 31, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1785

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

On the same day, I transferred cash from my bank to my Fidelity brokerage account since they said transfers from a Fidelity brokerage account can occur same day. I think that was the 23rd or 24th. The problem is, the cash hasn't settled to my account even today in a way that I can transfer from my ...
by Cash
Sun Dec 31, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2083

Re: wireless earbuds for exercise - airpods or ??

I like my AirPods, but I got these attachments to make sure they stay in my ear. Work like a charm and used them recently during a half marathon without a problem.
by Cash
Sat Dec 30, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How many years of deductions for a new DAF?
Replies: 17
Views: 1238

Re: How many years of deductions for a new DAF?

There is not actually a Vanguard employee working on this process this weekend, I don't believe. Fidelity Charitable has people answering phones until 2 p.m. today and tomorrow :). As far as how much to contribute, based on the current 2025 expiration date for the tax cuts, my answer is up to 8 yea...
by Cash
Wed Dec 27, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1333

Re: How much to front load DAF this year?

It doesn't seem like $260 per $10K is a big enough save to bunch more than 2 years of contributions at a time, given the opportunity cost of missing out on appreciation of the money (appreciation to me, not within the DAF). The appreciation argument doesn't really work that way. If you donate $10k ...
by Cash
Tue Dec 26, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1333

Re: How much to front load DAF this year?

It doesn't seem like $260 per $10K is a big enough save to bunch more than 2 years of contributions at a time, given the opportunity cost of missing out on appreciation of the money (appreciation to me, not within the DAF). The appreciation argument doesn't really work that way. If you donate $10k ...
by Cash
Sun Dec 24, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3140

Re: Securing Law School Scholarships

And of those that receive less than a half-tuition discount, its still $10-$15k per year. (bottom quartile) I don't consider that to be much relative to the cost of attendance, but perhaps the OP will report back on what she is offered. EDIT: Not that I don't think she should go; I just think she s...
by Cash
Sun Dec 24, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3140

Re: Securing Law School Scholarships

How likely are you to receive need-based aid? That could reduce the sticker price dramatically. I don’t think you’re going to get much merit aid from the t14.
by Cash
Sun Dec 24, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1333

Re: How much to front load DAF this year?

We are making 5 years' worth of donations this year partly to zero out our tax obligation, but also because our marginal rate will be lower for at least the next 8 years (the term of the current tax reductions). So I think it would make sense to make up to 8 years' worth of donations, as long as tha...
by Cash
Sun Dec 24, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8408

Re: Will you donate less to Charity?

No, but we will continue to be strategic about the timing of the donations. We are putting 5 years of donations in our DAF this week not because we will lose the ability to itemize, but because a) our marginal tax rate will be lower going forward, so our donation is worth more now, and b) we owe a l...
by Cash
Fri Dec 22, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Off $340K in Student Loans in 4 Years!
Replies: 21
Views: 1877

Re: Paid Off $340K in Student Loans in 4 Years!

Congrats! Does your wife also work?
by Cash
Tue Dec 05, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 2100

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

The wheels have broken on every spinner I’ve had. Then it’s annoying to drag the rest of your trip. I’ve never had the wheels break on the 2 wheel, in-line models.
by Cash
Sun Dec 03, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 2113

Re: Fidelity Yubikey questions

happenstance wrote:
Sun Dec 03, 2017 11:14 am
Once is enough to change the email address, password, and disable 2FA.
No, you have to call in (and hopefully get past voice verification) to disable 2FA.
by Cash
Sat Dec 02, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 2113

Re: Fidelity Yubikey questions

a bad actor could create a convincing fake website and get you to enter your username, password, and second-factor, which they could harvest and use to compromise your account. In the 30 seconds for which the Symantec VIP code is valid (less than that, really, because it takes time to enter)? I gue...
by Cash
Thu Nov 30, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31118

Re: Iphone X is $1000

I bought SquareDeal insurance, a screen protector installed at Apple (they have a tool to do it well), and a Speck Presidio case. I assume you mean SquareTrade? SquareTrade + screen protector + Speck Presidio is also the setup I did for my wife (I use the thinner Caudabe Lucid Clear case with no sc...
by Cash
Tue Nov 28, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2327

Re: Broker account security compendium thread

diy60 wrote:
Tue Nov 28, 2017 8:43 pm
However I think the weak link in the security chain is the account rep and how hard they push for account ownership verification.
Yep. Hopefully voice ID makes it a bit harder for the human factor to come into play.
by Cash
Tue Nov 28, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2327

Re: Broker account security compendium thread

azurekep wrote:
Mon Nov 27, 2017 11:05 pm
* Locate his cell phone, place his finger on the screen and open the phone*
Use an iPhone X. Problem solved.
by Cash
Mon Nov 27, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 3203

Re: where should I put my direct deposit?

I've reworked above into a more complete answer. It's a long post, but I agree completely. It's the same system that I've finally embraced after years of wasting time trying to optimize the placement of funds every month. 99% of spending on one credit card + automatic bill pay + healthy checking ac...
by Cash
Sun Nov 26, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable 3 fund portfolio at Vanguard vs Fidelity
Replies: 12
Views: 1208

Re: Taxable 3 fund portfolio at Vanguard vs Fidelity

Regarding tax efficiency, ETFs are more tax-efficient than mutual funds because ETFs are created/destroyed by trading bundles of their components for shares. This structure allows ETFs to avoid capital gains. Vanguard's mutual funds and ETFs are actually different share classes of the same underlyi...
by Cash
Sun Nov 26, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Iphone 7 - locked out
Replies: 13
Views: 1333

Re: Iphone 7 - locked out

I haven't had to deal with iTunes in years. I've always hated that program. Too bad your mom didn't have an iCloud backup that you could restore from.
by Cash
Sun Nov 26, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2596

Re: GPS watch

I am looking for a good GPS watch. It must be able to track run, bike, swim indoor, and swim outdoor. Budget = $300. No objection to spending more for a substantially better watch. Thank you Apple Watch. Series 2 if you want to buy it cheap. Series 3 if you want latest watch. My wife and I both hav...
by Cash
Sat Nov 25, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2327

Re: Broker account security compendium thread

[*] I've enrolled my Fidelity 401(k) account in voice print technology, but it's unclear how that feature is used. Supposedly it replaces account password and PIN, but I still have to dial my password whenever I call in for something. Maybe that's a good thing (multiple layers of defense). Sign up ...
by Cash
Fri Nov 24, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1846

Re: Which model treadmill to buy

I got the ProForm Pro 2000 about six months ago and like it. Currently $1199. I put 15-20 miles per week on it, and it has held up well. It looks like you might be able to connect your phone to it (not through Bluetooth), but I've never tried. I just looked, and there's a round port labeled "MP3 in....
by Cash
Wed Nov 22, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 3203

Re: where should I put my direct deposit?

Do you use a debit card? It sounds like you’re making lots of transactions in your checking account. Aside from the mortgage, all of our spending goes on our Fidelity 2% cash back card. So all I have to do is look at that statement when it comes out to know how much I need in my checking account whe...
by Cash
Sun Nov 19, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 8990

Re: Is it difficult to switch from an iPhone to an Android?

letsgobobby wrote:
Sat Nov 18, 2017 8:55 pm
It is good I saved some bones on my phone, because my better half is insisting on the iPhone X.
We all saw that coming :wink: (and I don't blame her)