Search found 423 matches

by Nummerkins
Sun May 31, 2020 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 24814

Re: Chase Sapphire checking 1000$ offer

Just got my second $1000 of the year from Chase. It does NOT pay to be an ongoing Chase customer.

I had no issues -- transferred money in and then moved to Vanguard Money Market Fund in YouInvest. Bonus posted like clockwork.
by Nummerkins
Fri May 08, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Problems with Xfinity Internet drops
Replies: 28
Views: 1638

Re: Problems with Xfinity Internet drops

What model of modem? Certain ones powered an Intel chipset have had severe problems -- Broadcom based units are fine.
by Nummerkins
Sun May 03, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 3924

Re: Lawnmower recommendation

I consider 2 cycle engines to be my enemy. Even when I drain for storage I have problems. The single, largest change i made was using ethanol free gas. It made a huge difference. Lawn mowers, snow blowers, anything starts the first time even after storage. Find it here: https://www.pure-gas.org/inde...
by Nummerkins
Tue Apr 28, 2020 6:25 pm
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5031

Re: Holding Gold as "Doomsday Fund"

fredflinstone wrote:
Tue Apr 28, 2020 4:50 pm
Nummerkins wrote:
Tue Apr 28, 2020 4:08 pm
I would not. If "the worst" were to happen, what exactly does gold do for you? You can't eat it. It doesn't grow anything. Who would want it?
I have a lot of ammo. If the price were right, I'd trade ammo for gold.
Better yet, cast all your gold to bullets :)
by Nummerkins
Tue Apr 28, 2020 6:23 pm
Forum: Personal Investments
Topic: Switching to an actively managed plan in this market.
Replies: 14
Views: 970

Re: Switching to an actively managed plan in this market.

Perhaps other can answer better, but this isn't the place where you are likely to get anyone to approve of active management. Have you looked at Vanguard's PAS to do this for you without costing an arm and and a leg? Yeah I think you are right this isn't the forum to post this question. My post was...
by Nummerkins
Tue Apr 28, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Funds transfer from BoA checking to Ally or Capital One?
Replies: 3
Views: 287

Re: Funds transfer from BoA checking to Ally or Capital One?

ACH limits are almost always on the initiating institution side. They are the ones assuming the risk.
So, you don't need to worry about BoA.
by Nummerkins
Tue Apr 28, 2020 4:11 pm
Forum: Personal Investments
Topic: Switching to an actively managed plan in this market.
Replies: 14
Views: 970

Re: Switching to an actively managed plan in this market.

Perhaps other can answer better, but this isn't the place where you are likely to get anyone to approve of active management.

Have you looked at Vanguard's PAS to do this for you without costing an arm and and a leg?
by Nummerkins
Tue Apr 28, 2020 4:08 pm
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 121
Views: 5031

Re: Holding Gold as "Doomsday Fund"

I would not. If "the worst" were to happen, what exactly does gold do for you? You can't eat it. It doesn't grow anything. Who would want it?
by Nummerkins
Tue Apr 28, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard checkwriting rules
Replies: 1
Views: 304

Re: Vanguard checkwriting rules

Already discussed, please see here for your answer: viewtopic.php?t=294726

:happy
by Nummerkins
Sun Apr 26, 2020 6:36 pm
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2043

Re: In your experience, what is the credit card with the best customer service?

Discover. Always US-based reps who have answered any questions without needing to repeat, rephrase or restate. It's a refreshing time saver.
by Nummerkins
Sun Apr 26, 2020 5:39 pm
Forum: Personal Investments
Topic: Should I move my Roth IRA from Fidelity to Vanguard?
Replies: 12
Views: 550

Re: Should I move my Roth IRA from Fidelity to Vanguard?

Fidelity dumped account close and transfer fees awhile ago. They charge less fees than Vanguard.

https://www.fidelity.com/why-fidelity/pricing-fees
by Nummerkins
Sun Apr 12, 2020 12:15 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 211
Views: 35314

Re: You Invest by JP Morgan Chase

... Unfortunately Chase is known for doing this to new account holders. Sorry you got caught in it! See here https://www.doctorofcredit.com/psa-dont-use-ach-pull-for-chase-bank-account-openings-avoid-account-lockup/ Push/pull from another bank is usually best when dealing with Chase. Personally I h...
by Nummerkins
Mon Apr 06, 2020 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Rural Home: Getting Hardwired?
Replies: 39
Views: 2646

Re: Rural Home: Getting Hardwired?

I would pay up. Would you pay for a new roof? Sewer/septic replacement? Why not internet?

Also, if you ever have to sell your house... I would never buy one without verified high speed internet and I suspect this will be a deal-breaker for more and more people as time goes on.
by Nummerkins
Thu Apr 02, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Canceling Auto Insurance for Few Months? Any down sides?
Replies: 56
Views: 4311

Re: Canceling Auto Insurance for Few Months? Any down sides?

Don't cancel, just look into reducing. Most insurance asks if you have had a gap in coverage when you shop. Doesn't matter why, huge red flag to them.
by Nummerkins
Sun Mar 29, 2020 9:34 am
Forum: Investing - Theory, News & General
Topic: Vanguard individual HSAs?
Replies: 15
Views: 1089

Re: Vanguard individual HSAs?

Vanguard used to have HSAs years ago but got rid of them. I very much doubt they will bring them back -- they require much more support than a brokerage account. Think customer questions on what is/is not eligible, checks, debit cards, etc.
by Nummerkins
Tue Mar 10, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Unmarried home ownership, joining his preexisting purchase
Replies: 72
Views: 3674

Re: Unmarried home ownership, joining his preexisting purchase

Just pay rent and be done with it. Sounds like a gigantic headache.
by Nummerkins
Wed Mar 04, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: USB-C PD wall charger for laptops
Replies: 15
Views: 980

Re: USB-C PD wall charger for laptops

Thanks for the feedback friends! Do we know if the future laptops will need more power or less power than their current generations? I am curious as to what is the trend? Let's say the newer MacBook Pro or Surface or Dell Latitude, will they take more power than today's versions? Probably about the...
by Nummerkins
Mon Mar 02, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: USB-C PD wall charger for laptops
Replies: 15
Views: 980

Re: USB-C PD wall charger for laptops

I use this one at home. The USB-C is limited to 45W which is fine for my 30W personal laptop. My 65w work laptop just charges slower. I use the A-port for fast charging my Samsung phone. https://www.amazon.com/dp/B07PZSXL9J/ref=sr_1_10?camp=217145&creative=399373&creativeASIN=B07PZSXL9J&ie=UTF8&link...
by Nummerkins
Sun Mar 01, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Are we in correction territory yet or not?
Replies: 20
Views: 2326

Re: Are we in correction territory yet or not?

Have some unexpected cash come in 100K, not required immediately. Thinking of DCA's into Total Stock next few months, its not a perfect buy the bottom attempt but gradually average out down to whatever.Would be easier in terms of tax lots to just dump in 1 go, but with current situation feeling bes...
by Nummerkins
Sun Mar 01, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: Retire Old Desktop Computer
Replies: 40
Views: 2910

Re: Retire Old Desktop Computer

Once you have your pictures and personal documents off of it, you can use Darik's Boot & Nuke to wipe the hard drive. Then you can give it away to a nonprofit or school or whatever. https://dban.org/ +1 for dban. It's slow, but nothing better. Beware - it doesn’t work on SSDs. From the website... I...
by Nummerkins
Sun Mar 01, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Inverter for laptop with Fast charge USB
Replies: 41
Views: 1514

Re: Inverter for laptop with Fast charge USB

A simple charging cable may be all you really need to stretch out your day. https://www.amazon.com/Anker-2-Pack-Premium-Charging-Samsung/dp/B07DC5PPFV Hi, Thanks for the info, very useful post. Want to clarify something about this USB-C to USB-A cable. The USB-C end goes to my laptop, but where doe...
by Nummerkins
Sat Feb 29, 2020 8:12 pm
Forum: Personal Consumer Issues
Topic: Retire Old Desktop Computer
Replies: 40
Views: 2910

Re: Retire Old Desktop Computer

Once you have your pictures and personal documents off of it, you can use Darik's Boot & Nuke to wipe the hard drive. Then you can give it away to a nonprofit or school or whatever. https://dban.org/ +1 for dban. It's slow, but nothing better. Beware - it doesn’t work on SSDs. From the website... I...
by Nummerkins
Sat Feb 29, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Inverter for laptop with Fast charge USB
Replies: 41
Views: 1514

Re: Inverter for laptop with Fast charge USB

sorry my bad. It's Latitude 7480 Something like this will maintain your laptop's battery while you're using it, but will only charge when it's off: https://smile.amazon.com/Charger-Anker-PowerDrive-Adapter-MacBook/dp/B071WYF9HP/ref=sr_1_9?keywords=usb-pd+12v&qid=1582972656&sr=8-9 This one will char...
by Nummerkins
Fri Feb 28, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Inverter for laptop with Fast charge USB
Replies: 41
Views: 1514

Re: Inverter for laptop with Fast charge USB

Is the end that goes into your laptop USB-C? No, it's like a circular/cylindrical tip. Laptop does have a separate USC-C port - don't know what it's for. I never use it. I only use the USB ports. Are you planning on keeping your laptop make and model a complete secret ? :oops: sorry my bad. It's La...
by Nummerkins
Fri Feb 28, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Inverter for laptop with Fast charge USB
Replies: 41
Views: 1514

Re: Inverter for laptop with Fast charge USB

Some laptops can charge through the USB-C port. I think it's worth finding out. Then you could use something small and compact that does DC > DC power and skips the AC conversion steps like this: https://www.amazon.com/GearMo-Power-Delivery-Charger-Works/dp/B07115BLPP/ Some laptops complain that the...
by Nummerkins
Fri Feb 28, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Inverter for laptop with Fast charge USB
Replies: 41
Views: 1514

Re: Inverter for laptop with Fast charge USB

Is the end that goes into your laptop USB-C?
by Nummerkins
Thu Feb 27, 2020 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Issue with Ally - looking for advice
Replies: 5
Views: 842

Re: Issue with Ally - looking for advice

I've dealt with this before. Even though your Ally account is joint, you each need a login for linking accounts for transfers if the others are not joint. Transfers from your login need to have your name on the other account and the same for the one in the other persons name. My wife and I also have...
by Nummerkins
Thu Feb 27, 2020 12:55 pm
Forum: Investing - Theory, News & General
Topic: How are Vanguard funds priced for trades?
Replies: 3
Views: 140

Re: How are Vanguard funds priced for trades?

Before 4PM-- today's price
After 4PM -- tomorrows price
by Nummerkins
Wed Feb 26, 2020 12:46 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 24814

Re: Chase Sapphire checking 1000$ offer

Retired1809 wrote:
Thu Feb 20, 2020 10:13 am
To establish my first Chase checking account ONLINE without going into a branch, which credit bureau(s) do I need to contact to thaw my frozen credit?
Experian. I've done it twice in the past few months.
by Nummerkins
Tue Feb 25, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 24814

Re: Chase Sapphire checking 1000$ offer

I received my $1,000 a few weeks ago. I downgraded my checking account and closed YouInvest. Next I opened
a Sapphire checking/YouInvest account for my wife and transferred in the $75,000. In 90 days we will have another $1,000. Great deal, especially with the funds parked in Vanguard's MMF.
by Nummerkins
Tue Feb 25, 2020 6:54 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 22091

Re: What did you learn from the 2/24 sell off?

I didn't even know there was one. I'll just continue auto-investing like always.
by Nummerkins
Fri Feb 21, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3517

Re: How frequently do you change passwords, NOT what password manager do you use

As another has pointed out, this is a significant risk. When any one site is hacked and passwords stolen, they now may have access to any of the other accounts where you have used the same password. How would they know which other account you have ? Unless it was the result of a targeted break-in, ...
by Nummerkins
Fri Feb 21, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3517

Re: How frequently do you change passwords, NOT what password manager do you use

As another has pointed out, this is a significant risk. When any one site is hacked and passwords stolen, they now may have access to any of the other accounts where you have used the same password. How would they know which other account you have ? Unless it was the result of a targeted break-in, ...
by Nummerkins
Fri Feb 21, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3517

Re: How frequently do you change passwords, NOT what password manager do you use

Almost never. Since I use a password manger, each individual password is a 20-character randomly generated string, it exists nowhere else and is used nowhere else. Unless an individual site is breached, there's no reason to do so.
by Nummerkins
Sun Feb 16, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Microsoft Office free online version
Replies: 14
Views: 1740

Re: Microsoft Office free online version

If you mean Office 365, you get one year free typically. After that the desktop software will stop working unless you pay. There is always a free version served up via web browser that has Word/Excel but advanced functionally is limited and you have to store files in OneDrive.
by Nummerkins
Sat Feb 08, 2020 3:06 pm
Forum: Personal Consumer Issues
Topic: Dangerous to allow Windows 10 desktop PC to have public/real IP address? No NAT/firewall
Replies: 20
Views: 1109

Re: Dangerous to allow Windows 10 desktop PC to have public/real IP address? No NAT/firewall

Windows 10 has a built-in firewall. Just make sure your connection is set to Public for the best protection. That being said, routers are cheap which may offer more protection.
by Nummerkins
Mon Jan 13, 2020 7:29 am
Forum: Personal Investments
Topic: Lost to find a financial advisor in San Francisco.
Replies: 16
Views: 1550

Re: Lost to find a financial advisor in San Francisco.

Welcome! By the time you determine who is a trustworthy advisor you will be able to just do it yourself. Break down your goals and what you are trying to do in small pieces and leave your money where it is for the time being. Post your questions to the forum. Do NOT meet with Edward Jones -- they ar...
by Nummerkins
Wed Jan 08, 2020 12:50 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 211
Views: 35314

Re: You Invest by JP Morgan Chase

It's in the terms of the Sapphire offer. You can only participate in one Chase Private Client CheckingSM, Chase SapphireSM Checking or You InvestSM new money bonus in a 12 month period. Here are the terms from the $600 offer: You can receive only one new checking and one new savings account opening ...
by Nummerkins
Tue Jan 07, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Nuts to remove Vanguard on-line access?
Replies: 24
Views: 3129

Re: Nuts to remove Vanguard on-line access?

Yes, nuts. You might not know your account was drained or compromised until the next paper statement.
by Nummerkins
Tue Jan 07, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: Odds that Fidelity starts charging an ER for their Zero funds in the future?
Replies: 37
Views: 2338

Re: Odds that Fidelity starts charging an ER for their Zero funds in the future?

None. While others fret about what might happen, I gladly enjoy the 0% expense ratio. Mr. Bogle was so successful in his fee lowering quest that a competitor beat Vanguard to zero. Well done.
by Nummerkins
Mon Jan 06, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: I need help understanding what to do with Whole Life Insurance policies
Replies: 15
Views: 1490

Re: I need help understanding what to do with Whole Life Insurance policies

Get term insurance in place and then dump them. You should get the cash value of the policy but check the polcy docs to make sure.
by Nummerkins
Mon Jan 06, 2020 7:27 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 211
Views: 35314

Re: You Invest by JP Morgan Chase

Am I reading correctly that you can buy any Vanguard mutual fund through You Invest and having more than $75,000 in all Chase accounts (including YouInvest) gets you Sapphire Checking, which essentially waives all Chase fees? Do you get a bonus if moving money from an existing Chase account? I'm on...
by Nummerkins
Sat Jan 04, 2020 5:17 pm
Forum: Personal Investments
Topic: Vanguard Account Links
Replies: 11
Views: 1441

Re: Vanguard Account Links

You can't see both accounts because the site is NOT a Vanguard site. Its run by one of their partners, Ascensus.

My wife's 401k on the other hand IS run by Vanguard so yes, we can see her work and personal accounts under one login.
by Nummerkins
Sun Dec 29, 2019 10:33 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 271
Views: 9565

Re: Vanguard phasing out regular mutual fund shares?

I have switched my Vanguard mutual funds to their ETF counterparts. No plans to ever go back to mutual funds. I think once employer plans crack the ETF nut that mutual funds will slowly die or just be frozen how they are. Vanguard certainly isn't developing them anymore. Every brokerage offers them ...
by Nummerkins
Sun Dec 29, 2019 8:51 am
Forum: Personal Finance (Not Investing)
Topic: House Payoff: Not 'Should I?', but 'Did.' Anything I'm missing?
Replies: 32
Views: 4065

Re: House Payoff: Not 'Should I?', but 'Did.' Anything I'm missing?

Congrats! I paid off my house when I was 29. It's a great feeling and has allowed my wife and I the freedom to do what we want on our terms.
by Nummerkins
Sat Dec 28, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.
Replies: 141
Views: 13281

Re: Barron's Cover article--Vanguard Led the Way for Decades. Now It’s Playing Catch-Up.

Wouldn't this attract a lot of transient type of customers who would put additional pressure on support resources? If so this may be a negative for us long term investors who don't do trading. I doubt it. The investing public at large doesn't care about commissions outside of their use as a marketi...
by Nummerkins
Sat Dec 28, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: How long to recover from a 30% crash, 10%?
Replies: 47
Views: 3748

Re: How long to recover from a 30% crash, 10%?

thelateinvestor43 wrote:
Sat Dec 28, 2019 12:07 pm
I just read that there may be a "correction" in January as a lot of big investors sell for tax reasons cause 2019 was such a good year?
How exactly do "they" know the future? Who cares. Keep investing, buy if prices go down, buy if prices go up. It does not matter.
by Nummerkins
Sat Dec 28, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Records retention
Replies: 22
Views: 2148

Re: Records retention

I would dump it all other than keeping tax returns and whatever is needed to satisfy other tax requirements like HSA receipts if any.

Really think about it... why are you keeping them? Leases? Performance reviews? Old paystubs? Why? It's all junk. Free yourself!

Good luck!
by Nummerkins
Sat Dec 28, 2019 9:05 am
Forum: Personal Investments
Topic: FDIC insured consideration... Big deal, overblown, what? Any case studies or personal experiences?
Replies: 24
Views: 1844

Re: FDIC insured consideration... Big deal, overblown, what? Any case studies or personal experiences?

Due to the 2008 financial crisis over 400 banks failed in the next few years. The FDIC steps in to oversee transfer of the assets to another bank. If no buyer can be found they send out a check up to the insured limits. So yes, it does work.