Search found 245 matches

by Nummerkins
Mon Feb 19, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 14
Views: 899

Re: Gorilla Tape for Labels?

A Sharpie would work great. It can be wiped off with isopropyl alcohol.
by Nummerkins
Tue Feb 06, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2965

Re: Recently divorced trying to clear all of my credit card debt.

1) DO NOT cash our your retirement account. You will pay taxes plus penalties on it. 2) Sounds like a plan. I would take the money from your taxable account and put it into your Emergency fund. You have 1+ month of expenses saved if you lose your job. You could also cut down the entertainment to sho...
by Nummerkins
Fri Feb 02, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: All In Vanguard, Or Not?
Replies: 18
Views: 2012

Re: All In Vanguard, Or Not?

One of my favorite infographics: https://novelinvestor.com/wp-content/uploads/2017/01/novelinvestor-asset-class-returns-fy-2016.png What does well one year may not the next. Just by looking at the chart you can pick the past winners and save yourself his fee. As for knowing the future, you are both ...
by Nummerkins
Wed Jan 31, 2018 10:54 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2201

Re: looking for positive experiences transferring to Vanguard

I transferred a Roth IRA from Etrade to Vanguard with zero issues. Same for a 401k/profit sharing plan when I switched jobs. Once I filled out the outgoing custodians forms the money showed up at Vanguard a few weeks later. Due to plan rules I had to wait for a second and final distribution which al...
by Nummerkins
Mon Jan 29, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Advice on rolling IRA over into 401k
Replies: 7
Views: 474

Re: Advice on rolling IRA over into 401k

Appreciate any advice on how to evaluate how good or bad of a 401k plan I have. There are black rock targeted life path funds, TIPS,high yield bond funds There are state street large mid and international index funds Please post the fund name, ticker symbol (if available), and most importantly, the...
by Nummerkins
Fri Jan 19, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Accounts
Replies: 22
Views: 2374

Re: Edward Jones Accounts

Welcome!

I would pick up a copy of the Boglehead's Guide to Investing. It will tell you how to do everything yourself with minimal effort.

And yes, you are right to flee Edward Jones. They are siphoning off your money, rain or shine. You CAN do better :)
by Nummerkins
Wed Jan 17, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs IRA Rebalance
Replies: 1
Views: 137

Re: Vanguard vs IRA Rebalance

What do they know that makes it worth paying them .50% of your assets, rain or shine? Nothing. Stick with Vanguard.
by Nummerkins
Mon Jan 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 1060

Re: Best rock solid router with vpn server and guest network

Have you been keeping DD-WRT up-to-date? New builds are typically release every few weeks.
by Nummerkins
Mon Jan 15, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4918

Re: A "Home" cell phone?

Verizon sells a device that takes the cell signal as input and has phone jacks as the output. You can still use your regular old phones but the calls are routed over the cell network instead of landline.

You could also just use another cell phone as well as others have suggested.
by Nummerkins
Sat Jan 06, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Does the 3 fund portfolio seem somewhat flawed?
Replies: 79
Views: 6177

Re: Does the 3 fund portfolio seem somewhat flawed?

The point of the portfolio is that it’s well diversified and simple. If you are going to do that you might as well pick different term bonds funds, different international funds, throw in REITs and whatever else, thus ending up with 10+ funds to manage and balance. KISS!
by Nummerkins
Fri Jan 05, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard: No more buy/sell transactions in writing?
Replies: 31
Views: 2604

Re: Vanguard: No more buy/sell transactions in writing?

You can still deposit/withdraw by mail/check, but only to/from your settlement account.

See here: https://investor.vanguard.com/investing/written-orders
by Nummerkins
Tue Dec 26, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping seldom-used credit cards active
Replies: 11
Views: 1279

Re: Keeping seldom-used credit cards active

Paying before the due date will usually result in a $0 balance reported to the CRAs which looks to them like no usage. Pay AFTER the statement cycles. Having 1-10% usage each month is what they are looking for. Note that usage does NOT equal paying interest, just be sure to pay after the statement c...
by Nummerkins
Tue Dec 19, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Are stamps like this legit? They are way below face value.
Replies: 8
Views: 1027

Re: Are stamps like this legit? They are way below face value.

Should be. Most likely, someone got a $50 credit with something like Stamps.com, printed all the stamps and it selling them to make some money.

If they are not, the USPS takes mail fraud VERY seriously and they will get caught.
by Nummerkins
Mon Dec 18, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Considering a Job Change
Replies: 17
Views: 1072

Re: Considering a Job Change

You've young. What difference does the extra 120k/year make at this stage? I'd argue not much especially since you aren't doing anything with it anyways. Go to the startup, start a family. Life is too short to be miserable especially since the 'lower-paying' job more than meets your needs.
by Nummerkins
Sun Dec 17, 2017 7:44 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 9538

Re: Best 401k Employer Match Structure

One important thing to look at is the vesting schedule. The traditional 6 years is nuts in my mind. I understand the attempt to build loyalty but I would try to shorten it up to instant or 3 years max.
by Nummerkins
Tue Dec 12, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 4048

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: 2105

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: 8
Views: 626

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: 77
Views: 6108

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: 471

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: 5896

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: 1948

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: 9707

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: 9707

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: 24449

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: 2929

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: 812

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: 4102

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: 4102

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: 4234

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: 832

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: 5160

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: 2085

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: 4153

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: 1880

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: 4293

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: 5388

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: 1795

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: 2435

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: 1352

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: 3249

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: 342

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: 1544

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: 1022

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: 1543

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: 1746

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: https://www.bogleheads.org/wiki/Three-fund_portfolio You can skip international if you want to. Personally I use just tw...
by Nummerkins
Fri Jan 06, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Rewritable DVD and copying VHS tapes
Replies: 15
Views: 1574

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: 1574

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: 1601

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.