Search found 230 matches

by Nummerkins
Tue Dec 12, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3529

Re: best cashback credit card ?

Alliant Visa Signature card. 3% cashback on all purchases for the first year. 2.5% thereafter with a $59 annual fee. If you spend over $11,800 a year then it beats a regular 2% card.
by Nummerkins
Tue Dec 05, 2017 10:21 am
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 1939

Re: New Cash - dollar-cost averaging in?

Welcome! Dump it all in! Don't let fear and uncertainty paralyze you. If you have a long investing horizon then it does not matter. Plus, you were already invested in the market before you sold the company stock. If it helps, Vanguard did a study on DCA with the title "Dollar-cost averaging just mea...
by Nummerkins
Tue Dec 05, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Newport Group servicing 403bs for Vanguard?
Replies: 7
Views: 355

Re: Newport Group servicing 403bs for Vanguard?

Here is a multi-page thread on the change: viewtopic.php?t=223355
by Nummerkins
Wed Nov 22, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Best Basic DESKTOP?
Replies: 72
Views: 4835

Re: Best Basic DESKTOP?

Desktops are a commodity now mostly made from the same parts on thin margins. Manufacturers make their money on add on accessories and warranties. Most will come with solid state drives because they are faster and give a better user experience. You can always buy your own wired mouse/keyboard. That ...
by Nummerkins
Tue Oct 10, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2 diff devices for Lastpass MFA
Replies: 3
Views: 432

Re: 2 diff devices for Lastpass MFA

You might need to set it up again. Scan the QR code or enter the recovery code into both devices. If you have the recovery code you can try using that on the second device. This works for Google auth, not sure about MS.
by Nummerkins
Thu Oct 05, 2017 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5472

Re: Anyone go 100% Ally or another online bank for all banking needs?

I use Ally as my primary bank. I have a local CU account for depositing cash which otherwise sits at a zero balance. I haven't had a B&M bank as my primary in 15 years. I can do most things easier, faster and cheaper online. ATM refunds, free checks, 24/hour service.
by Nummerkins
Sat Sep 23, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Transfering 250K online from one bank to another
Replies: 15
Views: 1856

Re: Transfering 250K online from one bank to another

One transfer. When I log into my Ally account it shows transfers INTO Ally are limited to $250,000/day and $1,000,000/30 days.

The ACH network processes over $40 trillion in transfers per year. $250,000 will be a drop in the bucket.
by Nummerkins
Wed Jul 26, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 9155

Re: Should you wait until the due date to pay credit card balance?

You want to pay it off AFTER the statement date but BEFORE the due date. Simple as that. Why? Your credit score is built and by usage and measures your ability to pay back debt. If you pay the card before your statement date you risk $0 usage being reported and no record of you paying off the accou...
by Nummerkins
Wed Jul 26, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 9155

Re: Should you wait until the due date to pay credit card balance?

You want to pay it off AFTER the statement date but BEFORE the due date. Simple as that. Why? Your credit score is built and by usage and measures your ability to pay back debt. If you pay the card before your statement date you risk $0 usage being reported and no record of you paying off the accoun...
by Nummerkins
Sat Jul 22, 2017 11:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 159
Views: 22945

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I upgraded last December and only had to reset my dividend elections. Vanguard is going to upgrade every single account sooner or later. For those of you who have complex setups... deal with it now on YOUR terms. Seriously, I don't get why people say to ignore it. Plenty of platform options out ther...
by Nummerkins
Sun Jul 02, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Suggesting to a parent to leave Edward Jones
Replies: 23
Views: 2799

Re: Suggesting to a parent to leave Edward Jones

Give her one of the Bogleheads books. When she is done reading she will either want to make a change or not. If she requires hand-holding steer her to Vanguard PAS. After that you might just need to let it go and worry about your own finances. Is it frustrating? Extremely.
by Nummerkins
Wed Jun 07, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan for newborn child - shift allocation over time?
Replies: 7
Views: 714

Re: 529 plan for newborn child - shift allocation over time?

You can find the fund list for any 529 on the provider's website. All plans that I have investigated offer fixed and age based portfolios.
by Nummerkins
Wed Jun 07, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 29
Views: 3558

Re: Fidelity 529 - Where's the Love?

Thank you for your input, Nummerkins, but why would you move the 529 to VG if the overall ER will be higher? This is the issue that I can't seem to understand. The Boglehead philosophy emphasizes low expenses, so with Fidelity being the lowest, why not stay there? Or in other words, what would you ...
by Nummerkins
Wed Jun 07, 2017 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 529 - Where's the Love?
Replies: 29
Views: 3558

Re: Fidelity 529 - Where's the Love?

I started a 529 with Fidelity. Vanguard had a $3,000 minimum where Fideity's is $50. I also have an existing login due to the 2% cashback card requiring a CMA. No issues so far and the age-based index portfolio is pretty cheap. I may move it to Vanguard once I have enough in it.
by Nummerkins
Fri Jun 02, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Balanced index fund holder - do I need intl?
Replies: 52
Views: 3978

Re: Balanced index fund holder - do I need intl?

I don't have any international -- in fact I switched out of LS Growth to get rid of it. I just don't think it's necessary given how much sales come from overseas. Simple as that.
by Nummerkins
Fri May 19, 2017 8:25 am
Forum: Personal Consumer Issues
Topic: f.lux software/blue light reduction for devices
Replies: 11
Views: 771

Re: f.lux software/blue light reduction for devices

Windows 10 1703 has it built-in as the Night Light feature. iOS/MacOS calls it Night Shift.
by Nummerkins
Fri May 12, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 4949

Re: Do I have a problem in the backyard in need of a professional?

Crayfish hole. Just flatten then as they pop up.
by Nummerkins
Tue May 09, 2017 9:04 pm
Forum: Personal Consumer Issues
Topic: Mcafee showing messages of Hacker
Replies: 7
Views: 2029

Re: Mcafee showing messages of Hacker

The site is fine. Chrome changed the way they read TLS certificates in version 58+. See here for a technical explanation: https://groups.google.com/a/chromium.org/forum/#!msg/security-dev/IGT2fLJrAeo/csf_1Rh1AwAJ The certificate shows it was issued with a CN (Common Name) and not a SAN (Subject Alte...
by Nummerkins
Tue May 09, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 3981

Re: What to do with older laptop?

Wipe it with DBAN and bring it to your nearest electronics recycler. It's time has passed.
by Nummerkins
Sat Apr 08, 2017 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Two fund allocation?
Replies: 11
Views: 1804

Re: Two fund allocation?

I primarily use a two fund allocation of Vanguard Total Stock Market index fund and Vanguard Total Bond Market index fund. When I make new contributions I allocate them to try and keep me balanced 75/25. Very easy and requires no maintenance.
by Nummerkins
Tue Apr 04, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Switching Jobs for less...Has anyone done this....
Replies: 46
Views: 4204

Re: Switching Jobs for less...Has anyone done this....

Yes and I would do it again in a heartbeat. I am much happier and healthier. With some overtime at my new job I made the same as my old one. Less stress, much more fun.
by Nummerkins
Fri Mar 31, 2017 6:06 am
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 62
Views: 5172

Re: Our technology is old...advice on upgrading...

I think I have only seen one person mention security. That should be your deciding factor these days. If it no longer receives OS updates then it's time to upgrade. Your iDevcies are all full of unpatched security vulnerabilities that will never be fixed.
by Nummerkins
Fri Mar 17, 2017 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Guidelines for when to get a new credit card?
Replies: 16
Views: 1695

Re: Guidelines for when to get a new credit card?

I would go for the USAA limitless cashback card instead. 2.5% cashback on ALL purchases.
by Nummerkins
Thu Mar 09, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Securing my securities -- IT best practices?
Replies: 23
Views: 2355

Re: Securing my securities -- IT best practices?

Dump Yahoo and move on. I'm not saying other providers haven't had issues but they have been hacked twice in the past few years. Their board recently admitted they did not take internal security concerns seriously. It is the weakest link.
by Nummerkins
Wed Mar 08, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with Old 401K
Replies: 15
Views: 1287

Re: What to do with Old 401K

Why not roll it over to Vanguard or Fidelity? Your fees can be 0.10% or lower in the right index funds. You have unlimited flexibility then.
by Nummerkins
Wed Mar 08, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 3195

Re: Help! Need to refund money in PayPal from Nigeria

The money was sent from a stolen account. Refund it to the sender and move on. Do NOT withdraw it. PayPal will reverse it in a few days or weeks and lock your account otherwise.
by Nummerkins
Thu Mar 02, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Anybody using a real-time PC game streaming service yet?
Replies: 1
Views: 317

Re: Anybody using a real-time PC game streaming service yet?

I tried Onlive when it was around but quit after 5 minutes. The video quality wasn't there but more importantly the input lag was irritating. It sounds like a console is what you want then if you only play a few games per year.
by Nummerkins
Wed Feb 08, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401(k)
Replies: 21
Views: 1402

Re: John Hancock 401(k)

If you have any control over this do not go with JH. The company I work for just moved away from them. Their support is not US-based and completely clueless about the simplest things. The fees were high and the funds were obfuscated behind 'units' so you can't compare them to other funds on the open...
by Nummerkins
Sat Jan 28, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Earmarking in Vanguard
Replies: 11
Views: 963

Re: Earmarking in Vanguard

Just hold that money in a different fund in your account. There are plenty of them that are similar enough in performance so it should not be hard to choose one.
by Nummerkins
Sat Jan 21, 2017 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Linking Ally to Vanguard
Replies: 7
Views: 1386

Re: Linking Ally to Vanguard

I have my Vanguard account linked to Ally through the Payments > Pay People feature. I just set myself up in there and put in the routing/account number that I got from the Vangurd site for Direct Deposit. This way I can make contributions but not withdrawals since pop payments are one-way. Otherwis...
by Nummerkins
Mon Jan 16, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Finally awoke - Please help!
Replies: 8
Views: 1712

Re: Finally awoke - Please help!

Congratulations on waking up and taking control of your financial future. That being said, I think you are massively over-complicating things. Have a look at the 3-fund portfolio: m You can skip international if you want to. Personally I use just two funds: Vanguard Total Stock Market Index Fund and...
by Nummerkins
Fri Jan 06, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Rewritable DVD and copying VHS tapes
Replies: 15
Views: 1504

Re: Rewritable DVD and copying VHS tapes

Converting to video files as mentioned above would be a better option. Eventually physical formats will go away... with a video file you have all kinds of options for playback from computers to phones to smart TVs, etc. Not to mention its much easier to back up your memories!
by Nummerkins
Fri Jan 06, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Rewritable DVD and copying VHS tapes
Replies: 15
Views: 1504

Re: Rewritable DVD and copying VHS tapes

I'm not sure how they would hold up for those erase cycles.
A 30-pack of DVD+RWs is $17 on Amazon so you could get that and then erase them 30 at a time.
Have you checked to see if your recorder will prompt you to overwrite a DVD+RW?
by Nummerkins
Fri Jan 06, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Visa? And another question...
Replies: 11
Views: 1562

Re: Amazon Visa? And another question...

I would not get the Amazon card. It's an extra 1% cashback from somewhere you hardly shop.

Why not get a Fidelity Visa or Citi DoubleCash? 2% back on all purchases.
by Nummerkins
Tue Dec 27, 2016 10:25 am
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1741

Re: Dollar Cost Averaging

Just put it all in at once.

Vanguard paper on the subject: https://pressroom.vanguard.com/nonindex ... raging.pdf
by Nummerkins
Mon Dec 19, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 63
Views: 9816

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

Did a pair of these for my wife and I 3 months ago. Easy $1,000.
by Nummerkins
Mon Dec 19, 2016 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to park 43k
Replies: 12
Views: 2282

Re: Best place to park 43k

See this recent thread: viewtopic.php?f=2&t=205734
by Nummerkins
Wed Dec 14, 2016 9:01 pm
Forum: Personal Consumer Issues
Topic: Yahoo email advice
Replies: 17
Views: 3178

Re: Yahoo email advice

Download and install Thunderbird. Follow Yahoo!'s instructions to add it as an IMAP account. Then you can copy/paste all of the emails to a folder on your computer.

You could also add Gmail via IMAP and copy/paste between the servers directly and import all the messages into there.
by Nummerkins
Fri Nov 25, 2016 8:03 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 9528

Re: Black Friday - is this overdone?

I don't really think it has any value anymore. It creeps into Thanksgiving and the margins are so thin that there are no real bargains to be had. Most of the bargains have always been electronics. The costs of electronics has come come way down over the past 10 years. It used to be that you'd save $...
by Nummerkins
Wed Nov 23, 2016 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Separate Ally Accounts, Same Joint Owners?
Replies: 4
Views: 1675

Re: Separate Ally Accounts, Same Joint Owners?

My wife and I use Ally. We have joint accounts but two logins. Ally will only share certain info such as debit cards or transfers individually despite the joint status. The same accounts show up under both logins.
by Nummerkins
Tue Nov 22, 2016 2:03 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 297
Views: 46279

Re: Retreat to cash

Good discussion, thanks. ... Nummerkins – do you believe that the markets being at all time highs are an indication that this forecasts that future and thus one should get or stay in? Should one wait to sell at a low? ... I don't know the future and it is not possible for anyone to forecast it. How...
by Nummerkins
Tue Nov 22, 2016 10:47 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 297
Views: 46279

Re: Retreat to cash

The Dow, NASDAQ, S&P 500 and Russell 2000 closed at all-time highs yesterday and you want to move to cash?

STAY THE COURSE!
by Nummerkins
Tue Nov 08, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1593

Re: How to do secure communications to my web server?

You keep saying telnet... do you mean actual telnet on port 23 or SSH on port 22? Use SSH. It is the standard for remote access and when configured properly is highly secure. OpenSSH was written by experts who prize security above all else. You can use password-based authentication, you can allow lo...
by Nummerkins
Thu Oct 27, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 7893

Re: Declining Service Expectations. Are there any excellent companies still out there?

Discover. Their support is all US-based and they have been able to resolve any request on the first call. I'm extremely satisfied with them.
by Nummerkins
Thu Oct 20, 2016 10:18 pm
Forum: Personal Consumer Issues
Topic: Microsoft Office
Replies: 34
Views: 5687

Re: Microsoft Office

When your Office 365 sub expires it will go into reduced functionality mode. I think you can open but not edit documents. Local Outlook can connect to any email provider, Microsoft or not. It too will no longer function after a year if 'rented' through O365. I really would do the subscription for tw...
by Nummerkins
Thu Oct 20, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 7003

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

1. Buy external drive
2. Encrypt the external drive with Veracrypt
3. Copy the files to it
4. FedEx

If it gets lost it doesn't matter.

Once your brother is done editing he can send it back.
by Nummerkins
Mon Oct 03, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: Comcast vs Uverse
Replies: 13
Views: 1235

Re: Comcast vs Uverse

Have Uverse installed provided there is no cancellation penalty. The two are not mutually exclusive. Try it and keep it or dump it.
by Nummerkins
Tue Sep 27, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cancelling Credit Card After Switch?
Replies: 10
Views: 1227

Re: Cancelling Credit Card After Switch?

Do not close it. Your credit score is partially based on credit used out of credit available as well as average age of accounts. Closing your Amex would be shooting yourself in the foot on both counts. Plus, a backup card is a must for when you primary is stolen and shut down at the least convenient...
by Nummerkins
Tue Sep 27, 2016 5:25 pm
Forum: Investing - Theory, News & General
Topic: If you own Vanguard Total Stock Market, do you re-invest dividends?
Replies: 75
Views: 11106

Re: If you own Vanguard Total Stock Market, do you re-invest dividends?

I let them pile up in cash. Whenever I hit $1000 I reinvest. At some point I'll have to bump that number up or set it on auto-pilot. It's easy and works for me.