Search found 977 matches

by jpsfranks
Thu Apr 23, 2020 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Question About Chase $1000 Bonus
Replies: 11
Views: 1165

Re: Question About Chase $1000 Bonus

After I received the bonus I downgraded the checking account to a "Total Checking" account which only requires a $1500 balance to avoid fees. For me this was fine (this was actually a preexisting account that I upgraded for the purposes of the bonus so downgrading it restored it to its original cond...
by jpsfranks
Wed Dec 18, 2019 3:59 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 139
Views: 12369

Re: [Anyone drop cable for YouTube TV?]

Earl Lemongrab wrote:
Wed Dec 12, 2018 10:53 pm
The biggest gap in YouTube TV I see is Discovery Channel. There are shows on that I follow. Also PBS, but I don't think any have that.
As of yesterday PBS is live on YouTube TV in many markets. I can confirm that the Seattle PBS station KCTS is available.
by jpsfranks
Wed Dec 04, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Cable Cord Cutting more complicated than expected
Replies: 96
Views: 8194

Re: Cable Cord Cutting more complicated than expected

Another caveat with cord cutting is none of the streaming services currently offer PBS. I'm using Firesticks with YouTube Tv and it is working well. Supposedly PBS will be coming to YouTube TV very soon. https://www.cordcuttersnews.com/youtube-tv-has-delayed-the-addition-of-pbs-pbs-kids-a-few-more-...
by jpsfranks
Tue Dec 03, 2019 12:30 am
Forum: Personal Consumer Issues
Topic: Ethiopia travel (tour operator recommendation, etc.)
Replies: 11
Views: 1083

Re: Ethiopia travel (tour operator recommendation, etc.)

I spent two and a half weeks ten years ago around late November on what is often called the "historical circuit", visiting Addis, Aksum, Debre Damo, the Simien Mountains, Lalibela, Gonder, and Bahir Dar/Lake Tana. Travel within the country was a mix of Ethiopian Airlines for the longer trips and loc...
by jpsfranks
Mon Dec 02, 2019 11:58 pm
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 211
Views: 35631

Re: You Invest by JP Morgan Chase

Wait, am I reading all this right? You can buy Vanguard *mutual funds,* even the money market funds, with no transaction fee at You Invest? It sounds like JP Morgan has resurrected VanguardAdvantage! I don't believe you can use positions in your You Invest account, money market funds or otherwise, ...
by jpsfranks
Fri Nov 22, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Repurposing Perfectly Good MacAir 2012
Replies: 5
Views: 789

Re: Repurposing Perfectly Good MacAir 2012

I just sold an old MacBook Air 2010 on eBay a few weeks ago for $150 (net like $110 after shipping and fees...). If you don't actually have a use in mind for it I would just wipe it and sell it.
by jpsfranks
Fri Nov 15, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: External sreaming device on smart TV
Replies: 16
Views: 919

Re: External sreaming device on smart TV

If you have a streaming device you are happy with there is no reason to even connect the television itself to your network. The apps on the TV will generally be inferior and be updated less reliably, and it's just another avenue by which your watching habits could be tracked. Television companies (i...
by jpsfranks
Thu Nov 14, 2019 2:28 pm
Forum: Investing - Theory, News & General
Topic: Dow closing
Replies: 13
Views: 2403

Re: Dow closing

When the Dow Closed at 27691.4854488934—Just Like the Day Before https://www.wsj.com/articles/when-the-dow-closed-at-27691-4854488934just-like-the-day-before-11573748858 Over the past 123 years and more than 33,000 trading days, the indicator has ended unchanged, “unch” in Wall Street parlance, 167...
by jpsfranks
Tue Nov 12, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Roku - is the Express sufficient?
Replies: 34
Views: 2253

Re: Roku - is the Express sufficient?

The Express is fine for YouTube TV and all other viewing. For me the main drawback of it is the remote which is IR and doesn't have the voice feature. I don't use voice that much, but the IR remote has to be roughly pointed at the device which is a bit less convenient than the RF remotes that come w...
by jpsfranks
Tue Nov 05, 2019 6:05 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 42
Views: 6318

Re: Robinhood, Heading for a Trainwreck?

Even if one were not deterred by the apparent holes in their trading platform, now that everyone and their brother is offering commission free trades what would be the reason to choose Robin Hood as your brokerage today?
by jpsfranks
Sat Nov 02, 2019 1:20 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16532

Re: Chase $750 for depositing 75K

So since this account only gives you.01% APY are you guys just funding it with $75K for 90 days and then pulling your money to get the bonus? Seems like a good deal as long as it isn't a hassle to get your money out... If you open a linked You Invest brokerage account (the complication I was dealin...
by jpsfranks
Sat Nov 02, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: best bank bonus (savings/checkings) for $75K
Replies: 12
Views: 1937

Re: best bank bonus (savings/checkings) for $75K

I don't know about best, but I just did a Chase deal for $1k described in this thread:

viewtopic.php?f=1&t=292340
by jpsfranks
Wed Oct 30, 2019 9:52 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16532

Re: Chase $750 for depositing 75K

Yes, you need to be sure that the You Invest account is linked to your Sapphire account before funding. I suggest speaking with a rep in your local branch to ensure this happens. I had asked the rep at the branch about the You Invest linkage and they were sure that opening a brokerage account onlin...
by jpsfranks
Wed Oct 30, 2019 12:39 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16532

Re: Chase $750 for depositing 75K

For those who participated in this deal, did you schedule the branch meeting to set things up or did you just walk in? To answer my own question, I ended up just walking in and opened the Sapphire Checking account with a representative. Was in and out in 15 minutes. The rep could not assist me with...
by jpsfranks
Sun Oct 27, 2019 6:18 pm
Forum: Personal Investments
Topic: Chase $750 for depositing 75K
Replies: 92
Views: 16532

Re: Chase $750 for depositing 75K

For those who participated in this deal, did you schedule the branch meeting to set things up or did you just walk in?
by jpsfranks
Sun Oct 20, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1616
Views: 225570

Re: Fidelity as a one stop shop

The Fidelity card has a 1% foreign transaction fee on purchases, the Schwab card has none (i.e. using it as a debit card rather than at an ATM to make a withdrawal, neither card has fee on ATM withdrawals). I never use debit cards for purchases so this does not matter to me.
by jpsfranks
Fri Oct 11, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: duckduckgo
Replies: 31
Views: 4394

Re: duckduckgo

You can download information associated with your Google account here: https://takeout.google.com/ I think the more invasive things have nothing to do with searches (and therefore switching to DuckDuckGo is not a remedy). For example if you have Google Maps location history enabled on your phone the...
by jpsfranks
Thu Oct 10, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 10804

Re: Fidelity to $0 Commissions

In light of other firms already making this change, it would have been tough for Fidelity to continue their "Zero" marketing campaign while still charging trading commissions.
by jpsfranks
Wed Oct 09, 2019 11:16 pm
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 17614

Re: How many are switching from Fidelity?

Fidelity follows suit and eliminates trading commissions. https://www.wsj.com/articles/fidelity-is-latest-to-cut-online-trading-commissions-to-zero-11570680060 I don't really see any announcement on Fidelity's site about it but if I queue up a market order for tomorrow I see a $0 estimated commission.
by jpsfranks
Thu Aug 08, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: SIM cards for Iceland, Germany (Bavaria), Austria and switxelsnd
Replies: 7
Views: 440

Re: SIM cards for Iceland, Germany (Bavaria), Austria and switxelsnd

A Google Fi SIM will work in all those countries. It's a great travel amenity.

Otherwise a SIM purchased locally in Europe should roam to anywhere in the Economic Area (all the countries listed except Switzerland).
by jpsfranks
Thu Aug 08, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1616
Views: 225570

Re: Fidelity as a one stop shop

I had something new (at least for me) happen today. I transferred some money from an Ally online savings account to my Fidelity CMA account (a push from Ally to Fidelity). In my Fidelity CMA account I have an existing balance in FZDXX (a money market fund), no money in the core position (the core po...
by jpsfranks
Fri Apr 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4888

Re: Relocating to Seattle from Baltimore Area

The homeless problem and urban cleanliness is not as bad as people mention, a lot of sincere people are working on solutions. I think it is better than a few years ago. Seattle, Portland and San Francisco look like something out of a post apocalyptic film most nights. There are feces, vomit and nee...
by jpsfranks
Fri Apr 12, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4888

Re: Relocating to Seattle from Baltimore Area

You have no children, why the talk of school districts? Who knows what your situation will be by the time you have school age children.

I would rent an apartment in the city for a year and get the lay of the land, then you can decide where you'd really like to live longer term.
by jpsfranks
Fri Apr 12, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 66
Views: 6529

Re: YouTube TV is increasing their price - will you cancel it?

I signed up for a trial of Youtube TV so I wouldn't miss the shows. When the power came back, I tried watching the shows. The experience was just horrid. It wasn't possible to skip commercials at all on those new CBS shows ! Every single one had to be watched. Even if fast-forwarding ! This is no D...
by jpsfranks
Fri Apr 12, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4888

Re: Relocating to Seattle from Baltimore Area

This mentality translates to pretty much every day life there. People randomly cut in front of others in grocery store lines and pretend they don’t see you because they don’t expect you will call them out on it (very passive culture remember). This happened to me many times and another friend from ...
by jpsfranks
Thu Apr 11, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1616
Views: 225570

Re: Using Fidelity Cash Management as my only bank account

I just opened an account at Schwab because they don’t charge international ATM fees (nor does Fidelity) AND they don’t charge foreign transaction fees on ATM withdrawals(Fid charges 1%). This is not my experience. I believe the 1% fee for Fidelity is only charged at a point of sale purchase, not fo...
by jpsfranks
Wed Apr 10, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 66
Views: 6529

Re: YouTube TV is increasing their price - will you cancel it?

I had just commented in another recent thread how Google had had a decent history of grandfathering pricing in the past... :annoyed I bought a bunch of Google Play gift cards at a discount that will last another few months. When that runs out I'll probably look around again, at $50/month it's pretty...
by jpsfranks
Wed Apr 10, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 508

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

Yes it's a (self employed/solo) 401k, and you can treat it as such and ignore that it ever said Keogh.
by jpsfranks
Wed Apr 10, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help
Replies: 7
Views: 508

Re: Keogh Profit Sharing vs. Solo 401k - 2018 Tax Help

This seems to be an oddity with Fidelity where all Solo 401ks are initially labeled this way. It's fine, don't worry about it.

You can rename the account if you like for your own purposes. I did.
by jpsfranks
Wed Apr 10, 2019 12:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3510

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I'm sorry if you felt that the conversation was getting contentious. I did not feel that way. You are likely better versed here than I am. This is what I read in the Statement of Additional Information for e.g. Fidelity Total Market Index Fund and Fidelity Zero Total Market Index Fund. From my layma...
by jpsfranks
Tue Apr 09, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3510

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

Go back and read the OP, including their footnote. Fidelity never said these funds are losing money, the quote said the are not making money. They are not loss leaders in the true definition, but it is safe to say that they are marketing exercises. The equivalent non-ZERO index fund ERs are 0.015%,...
by jpsfranks
Tue Apr 09, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3510

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I think many of us here have long speculated that Fidelity has been running their index funds as loss leaders, going back to when they used the "Spartan" branding. No speculating necessary, because Fidelity had full disclosure. They have always published a gross ER and net ER. Twenty (20) years ago...
by jpsfranks
Tue Apr 09, 2019 7:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)
Replies: 32
Views: 3510

Re: Fidelity rep confirms Zero funds are loss leaders (Jane Bryant Quinn)

I think many of us here have long speculated that Fidelity has been running their index funds as loss leaders, going back to when they used the "Spartan" branding. So far they have a good track record of maintaining the low expenses, although it's still probably a reason to prefer Vanguard in a taxa...
by jpsfranks
Sat Apr 06, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Huge AirBNB Cancellation Charge
Replies: 123
Views: 8929

Re: Huge AIrBNB Cancellation Charge

The HOA won’t care. The CC company will likely not let you skate on a $1200 charge. Unless there is blatant false advertising I suspect the OP is boned. I'm not sure how important the amount is here to whether a chargeback will be successful. When I was handling merchant payments in a previous life...
by jpsfranks
Thu Apr 04, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16686

Re: All the "should I be 100% stocks" threads over the last year.

What'd you do it in, Python? I used Go. If it wasn't an exercise, Python would have been my default choice for something like this. That's interesting, I have never heard of Go. In another post, I was wondering what the Go game had to do with the topic, but it makes sense now. How intuitive is it? ...
by jpsfranks
Thu Apr 04, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Clipless pedals for a hybrid bike
Replies: 48
Views: 2721

Re: Clipless pedals for a hybrid bike

Checkout the Shimano SPD a530. It's a SPD clip on one side and a platform on the other. Not a great platform, but good enough if you're coasting to a stop. I use these. I have one bike at the moment and like the flexibility of being able to hop on with a normal pair of shoes for e.g. a short ride t...
by jpsfranks
Tue Apr 02, 2019 2:35 pm
Forum: Personal Investments
Topic: Schwab users: Does Schwab discourage the purchase of money market funds?
Replies: 44
Views: 5047

Re: Schwab users: Does Schwab discourage the purchase of money market funds?

I will say, one of the reasons I ended up with Schwab instead of Fidelity is because of the internal memo that leaked from Fidelity calling their business model "broken". Maybe the default high yield sweep and those free index funds aren't sustainable long term. What's the story on this internal Fi...
by jpsfranks
Tue Apr 02, 2019 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank: Schwab or Fidelity
Replies: 20
Views: 2364

Re: New Bank: Schwab or Fidelity

Schwab actually has a bank (FDIC). Fidelity does not have a bank but a “Cash Management Account” which emulates a bank. Fidelity account does not have FDIC. The default cash position in the Fidelity account is FDIC insured through partner banks. The interest rate is low however which is why many ch...
by jpsfranks
Mon Apr 01, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any *disadvantages* to citizenship?
Replies: 74
Views: 4358

Re: Any *disadvantages* to citizenship?

OP's wife is a green card holder and therefore a US tax resident already. I'm sure they are familiar with being taxed on their worldwide income because they are already filing a return and paying taxes.
by jpsfranks
Sun Mar 31, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: GNUcash Question
Replies: 5
Views: 1047

Re: GNUcash Question

One thing to check when totals from subaccounts are not being reflected in the parent account: check the Security/currency of both the subaccount and parent account, if they differ then make sure that there is an entry in the Price database (Tools -> Price database) that converts between the two. An...
by jpsfranks
Sat Mar 30, 2019 9:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69484

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Go to the Activity & Orders tab of the account and find the Check Paid # XXXX (Cash) item and click on it. The check images will show inline there.

It does take a while: the check paid will appear in your activity severals days before the images become available.
by jpsfranks
Wed Mar 27, 2019 6:54 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16686

Re: All the "should I be 100% stocks" threads over the last year.

Minderbinder wrote:
Wed Mar 27, 2019 3:02 pm
What'd you do it in, Python?
I used Go.

If it wasn't an exercise, Python would have been my default choice for something like this.
by jpsfranks
Wed Mar 27, 2019 2:45 pm
Forum: Investing - Theory, News & General
Topic: All the "should I be 100% stocks" threads over the last year.
Replies: 185
Views: 16686

Re: All the "should I be 100% stocks" threads over the last year.

I thought this was a fun thread and made a note to try to quantify the number of these threads as a dumb exercise the next time I needed to try out a new programming language. I just got around to it now. I wrote a script to capture thread titles from the "Personal Investments" and the "Investing - ...
by jpsfranks
Tue Mar 26, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Boeing 737 Max 8 Flight: Would you rebook?
Replies: 63
Views: 5765

Re: Boeing 737 Max 8 Flight: Would you rebook?

OP, Just re-book on another airline and save yourself the anxiety... Why do you want to complicate your life? OP is flying to Mount Kilimanjaro. This is almost certainly going to involve a flight on an African airline, at least for a connecting leg. What airline would you propose they book with? Et...
by jpsfranks
Mon Mar 25, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Two factor authentication loophole?
Replies: 32
Views: 3699

Re: Two factor authentication loophole?

You can always remove the app and use browser on ipad to log in to the website. Most browsers have an option to "Request Desktop Site" which makes the websites think its a normal desktop/laptop rather than a personal device like a phone/tablet etc. https://www.google.com/search?client=firefox-b-1-d...
by jpsfranks
Sun Mar 24, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2830

Re: Fidelity VISA Question

I think we had the old card and that everything was okay until Elan came in. DH had not mentioned getting any rewards from Fidelity recently, so I asked, "Where are all the $400-$500 rewards we used to get?" Long story short, it turns out that if you pay your bill with your rewards, you get only ha...
by jpsfranks
Sun Mar 24, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2830

Re: Fidelity VISA Question

Okay, one more question, if I may. In order to get the points/cash back, do I have to wait until I am billed, or can I make partial payments along the way during the month? Might be a silly question but this is new to me. Points are credited to your account each month reflecting that month's spendi...
by jpsfranks
Sun Mar 24, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity VISA Question
Replies: 26
Views: 2830

Re: Fidelity VISA Question

Okay, one more question, if I may. In order to get the points/cash back, do I have to wait until I am billed, or can I make partial payments along the way during the month? Might be a silly question but this is new to me. Points are credited to your account each month reflecting that month's spendi...
by jpsfranks
Sat Mar 23, 2019 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Need Foreign Currency
Replies: 25
Views: 1574

Re: Need Foreign Currency

So much of what you and others have posted here are not specific to CR. Your advice maybe correct in general, but in CR US$ are widely accepted at a fair rate. Agree, OP asked about CR and it will be no problem spending USD there, or elsewhere in Central America generally. It is even an/the officia...
by jpsfranks
Sat Mar 23, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: DirecTv Now changes
Replies: 32
Views: 2839

Re: DirecTv Now changes

One nice thing about Google/YouTubeTV is that they have a history of honoring grandfathered prices as long as the subscription remains active. There was a $5/month YouTubeTV price increase to $40/month a while back but those already subscribed continue to pay $35/month. Google also grandfathered pri...