Search found 2087 matches

by unclescrooge
Fri May 25, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Longtermgrowth wrote:
Fri May 25, 2018 6:04 pm
unclescrooge wrote:
Tue May 22, 2018 1:30 pm
Credit reports are frozen. Bank account is closed!
Did you also freeze your ChexSystems report? From what I understand, it is usually pulled for bank/brokerage account applications.
Thanks for the reminder. I've put a 90 day alert on it.
by unclescrooge
Fri May 25, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Reducing mosquitos by pool
Replies: 8
Views: 892

Re: Reducing mosquitos by pool

Carp?
by unclescrooge
Fri May 25, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Unclesrooge, at this point you should treat this as full identity theft. I called coinbase and they verified they don't have an account associated with my email. Maybe someone is stealing my ID? It sounds like they may have already done it. I suspect they also have all your passwords. It is time to...
by unclescrooge
Fri May 25, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Chase let's you see which devices were used to login, and other than my cellphone and megacorp issued PC, there were no others. Another point: Don't do private stuff on your megacorp-issued PC! There is likely a large group of admins who could even/likely be overseas, who would have remote access a...
by unclescrooge
Fri May 25, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Unclesrooge, at this point you should treat this as full identity theft. I called coinbase and they verified they don't have an account associated with my email. Maybe someone is stealing my ID? It sounds like they may have already done it. I suspect they also have all your passwords. It is time to...
by unclescrooge
Fri May 25, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Question about E*money
Replies: 12
Views: 1149

Re: Question about E*money

I banged around the site. They provide 4 specific things (their words). Relationship, referrals, retention, revenue. After the free trial, the lowest cost is $162 per month. Pass I looked around the site as well. As far as I can tell it is a tool for advisors to purchase not individual investors. I...
by unclescrooge
Thu May 24, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 84
Views: 7968

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

There are no wrong answers.

However, how did you get to $1mm+ in investments???? Please share.
by unclescrooge
Thu May 24, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 72
Views: 4860

Re: Renting vs Owning Your Home

Yup. Except for the part where owning a home can limit your mobility in a recession, which could hurt you financially.
by unclescrooge
Wed May 23, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Question about E*money
Replies: 12
Views: 1149

Re: Question about E*money

I banged around the site. They provide 4 specific things (their words). Relationship, referrals, retention, revenue. After the free trial, the lowest cost is $162 per month. Pass I looked around the site as well. As far as I can tell it is a tool for advisors to purchase not individual investors. I...
by unclescrooge
Wed May 23, 2018 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 86
Views: 8458

Re: Going from 50/50 US/Int to All US

I think it is something worth considering. There is quite a bit of geopolitical risk in Europe in my opinion. Are you the only one who believes this? Why isn't already priced-in? I think it is priced in, all metrics of international stocks were cheaper than US (rapidly becoming more aligned this we...
by unclescrooge
Wed May 23, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

All they need is account number and routing number. Easy to find. Both numbers are printed on your checks. This was a savings account with no external transactions, or statements. You may want to read this thread too : https://www.bogleheads.org/forum/viewtopic.php?f=2&t=236760 It was a Chase savin...
by unclescrooge
Wed May 23, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Negotiating for Residential Solar
Replies: 11
Views: 802

Re: Negotiating for Residential Solar

I got solar twice in the last 5 years. Pricing is definitely negotiable. A small independent contractor will give much better pricing than a large company. Installation is probably more important than components. The technology has been around since the 60s and is mature. Also, it's solid state, and...
by unclescrooge
Wed May 23, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 3840

Re: Buy this home?

This was in Marketwatch today. You may want to wait a bit longer. https://www.marketwatch.com/story/economists-say-homes-could-go-on-sale-in-2020-when-the-next-recession-hits-2018-05-22 Since when have economists been right about anything? :mrgreen: Economist are always right. On the one hand... LO...
by unclescrooge
Wed May 23, 2018 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

So today I received an email from coincide starting that a Chase checking account associated with my email had been linked to a coinbase account. Of course, I don't have a coinbase account so I logged into my Chase account and there were several fraudulent ACH transactions, and a couple of micro de...
by unclescrooge
Tue May 22, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

So today I received an email from coincide starting that a Chase checking account associated with my email had been linked to a coinbase account. Of course, I don't have a coinbase account so I logged into my Chase account and there were several fraudulent ACH transactions, and a couple of micro dep...
by unclescrooge
Tue May 22, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: French hotel amenities...
Replies: 15
Views: 1109

Re: French hotel amenities...

You are very likely to have a bidet in the bathroom. Do NOT use this to dry your hair or keep beer cold. Fair warning. Even in less esoteric situations, some people act ridiculously. I've seen blog reports of a woman drying her underwear in an airplane in-cabin air vent. Victoria Hopefully she wasn...
by unclescrooge
Tue May 22, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Just had windows installed..one of them with scratches..
Replies: 12
Views: 1145

Re: Just had windows installed..one of them with scratches..

I installed anlin windows on a remodel. One of the other workmen broke a small bathroom window a week later. It was replaced under the lifetime warranty without any issue. Another window had a minor bubble in it. They dropped of that replacement too. I presume you will have similar luck with milguard.
by unclescrooge
Tue May 22, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1827

Re: Buying a Woman's Tag Heuer On-line

keith6014 wrote:
Tue May 22, 2018 6:02 pm
i though Omega is Swiss.

Where did you try this stunt? I would like to goto Tourneau Midtown and try this because I have my eyes set on an Omega, coincidentally.
A Westfield mall in San Diego
by unclescrooge
Tue May 22, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 3840

Re: Buy this home?

BlackcatCA wrote:
Tue May 22, 2018 8:17 pm
This was in Marketwatch today. You may want to wait a bit longer.

https://www.marketwatch.com/story/econo ... 2018-05-22
Since when have economists been right about anything? :mrgreen:
by unclescrooge
Tue May 22, 2018 4:51 pm
Forum: Investing - Theory, News & General
Topic: Edelman & Financial Engines merging
Replies: 36
Views: 3558

Re: Edelman & Financial Engines merging

Ok, time for someone to say something nice about Ric Edelman. I am not an Edelman client - I did not want to pay the 1.5% AUM fee. :shock: There is one service though that Edelman does provide that I feel gets lost in the Ric-Ripping: He does provide a free consultation , and in my case, it resulte...
by unclescrooge
Tue May 22, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 38
Views: 1827

Re: Buying a Woman's Tag Heuer On-line

You're going about this wrong. I purchased an Omega Speedmaster in-person from a reputable watch shop. I showed up with a pile of $100 bills, spread the money on the counter and said I was serious about buying today if they would give me a 40% discount. I think we settled on a 32% discount. Came wit...
by unclescrooge
Tue May 22, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 39
Views: 3499

Re: Are there any experienced real-estate people here?

I wouldn’t bother, there’s going to be absestos, lead paint and mold. You’re in the Seattle market there’s already a line of buyers that will overbid and waive contingencies. I sold my a property in Kitsap county for more than I expected without fixing it up. The new buyer is going to want to add t...
by unclescrooge
Tue May 22, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Check your credit reports for other fraudulent activity. Check your computer for potential malicious software. As others have pointed out, the bank will know where the money was transferred to, which would likely have been to another bank. Most financial institutions for security purposes require t...
by unclescrooge
Tue May 22, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Gort wrote:
Mon May 21, 2018 10:33 pm
Pajamas wrote:
Mon May 21, 2018 2:30 pm
All they need is account number and routing number.
Easy to find. Both numbers are printed on your checks.
This was a savings account with no external transactions, or statements.
by unclescrooge
Mon May 21, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

This is a good reminder for everyone to sign up for e-mail/text alerts (bank, brokerage and credit card) so you get a notification whenever there is account activity. ^This. There is no reason not to have text or email alerts on all your financial accounts. I have this for checking accounts. I had ...
by unclescrooge
Mon May 21, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Automated Clearing House transactions have two financial institutions- sender and receiving bank. You make claim with Chase, Chase will make claim with receiving bank, receiving bank will attempt to recover funds from recipients. Depending on amounts involved, legal authorities may be brought in. R...
by unclescrooge
Mon May 21, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1187

Re: Converting property in to neighborhood park. Trust needed?

Glockenspiel wrote:
Mon May 21, 2018 1:57 pm
Yeah you need to subdivide the lot, which may be subject to zoning restrictions, a conditional use permit, or getting approval from the city to “Re-zone” the parcel. To subdivide the lot, you’ll need the services of a registered land surveyor. I’d start there.
Makes sense.
by unclescrooge
Mon May 21, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1187

Re: Converting property in to neighborhood park. Trust needed?

Google "pocket park." That seems to be what you're aiming for, and they are becoming very popular in urban areas. At least in my municipality, "pocket parks" are exempt from most of the normal rules applicable to real parks, e.g., rules re public restroom availability, parking spaces, etc., and the...
by unclescrooge
Mon May 21, 2018 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Chase knows where the money went and if those were unauthorized fraudulent transactions, then Chase will have to restore the account (or at least I *hope* that is the *law*) I remember we had similar discussion a while ago about something similar with another case and somebody who works for the ban...
by unclescrooge
Mon May 21, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

Pajamas wrote:
Mon May 21, 2018 2:30 pm
All they need is account number and routing number.
So they can just put in request on random numbers and see which ones work? :shock:
by unclescrooge
Mon May 21, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Re: Chase Savings Account emptied out!

SrGrumpy wrote:
Mon May 21, 2018 2:27 pm
What did Chase say?
They said they'll reverse the charges within 10 days after they receive a signed letter from me saying that these charges are fraudulent.

Luckily I have other bank accounts to tied me over till then.
by unclescrooge
Mon May 21, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 11484

Chase Savings Account emptied out!

I checked my bank account and saw that there were 9 ACH transfers over a 3 day period from my Chase savings account.

It's a savings account and I've never disclosed this information to anyone. How could they have gotten it?
by unclescrooge
Sun May 20, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1187

Re: Converting property in to neighborhood park. Trust needed?

If the property is big enough to attract many people, the city may require a certain number of parking spaces to be nearby. The rest of the neighborhood may also have to agree to the plan as strangers and unsupervised kids may visit, as well as noisy partyers, graffiti artists, drug dealers, and th...
by unclescrooge
Sun May 20, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1187

Re: Converting property in to neighborhood park. Trust needed?

It might make more sense to sell all the property and then use the money to establish a park in a better location. If there is a HOA then that would be the logical group to manage the property. There is no HOA. It's a part of Los Angeles without many green areas. As built up as it is, I doubt there...
by unclescrooge
Sun May 20, 2018 3:50 am
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1187

Converting property in to neighborhood park. Trust needed?

One of the our neighbors isn't doing very well and might pass away soon. She doesn't have any next of kin. She has a large double lot and wants to sell the half with the house on it, and turn the other half of it into a neighborhood garden. The idea is to give some of the proceeds from the sale of t...
by unclescrooge
Sat May 19, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4066

Re: How to Invest $600K for Retirees

Income producing for retirees on a base of $600K? Stepping off the beaten path of the Boglehead index funds, or a recommendation for annuities - there are other alternatives. You could "buy" a portfolio of dividend stocks for $530K and get $34K per year in dividends. Keep the remaining $60K in thei...
by unclescrooge
Sat May 19, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8744

Re: Solar panels

What is a reasonable rate of inflation to assume for electricity costs? Also, a roofer told me not to get solar panels. Said roof gets badly damaged and he never recommends them because they cause many problems. He was very adamant, but I've never heard anyone with solar complain about this... How ...
by unclescrooge
Sat May 19, 2018 2:14 am
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4066

Re: How to Invest $600K for Retirees

I'm new to investing. My elderly parents (75 and 78 years old) are living with me. I'm helping them to manage their retirement saving fund worth of $600,000. Given the current market situations (a potential end of the bull market and rising bond yield), what are their best options? Their goal is to...
by unclescrooge
Fri May 18, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to Invest $600K for Retirees
Replies: 26
Views: 4066

Re: How to Invest $600K for Retirees

I'm new to investing. My elderly parents (75 and 78 years old) are living with me. I'm helping them to manage their retirement saving fund worth of $600,000. Given the current market situations (a potential end of the bull market and rising bond yield), what are their best options? Their goal is to...
by unclescrooge
Thu May 17, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: What exactly causes a spring mattress to wear out?
Replies: 14
Views: 1302

Re: What exactly causes a spring mattress to wear out?

Alexa9 wrote:
Thu May 17, 2018 9:07 am
Well when a man and a woman love each other very much...
LOL. Good one!
by unclescrooge
Thu May 17, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: HELOC - rate vs location?
Replies: 7
Views: 323

Re: HELOC - rate vs location?

Good morning! Yet another HELOC thread, but one with a slightly different question. My partner and I are considering applying for a HELOC. I'm between three credit unions for servicing it: DCU/Digital Credit Union, Bethpage Federal Credit Union, and PenFed (in that order). DCU has the best rate of ...
by unclescrooge
Thu May 17, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: What's wrong with this critique of indexing?
Replies: 110
Views: 6359

Re: What's wrong with this critique of indexing?

(Sorry, I didn't see that ThriftyPhd had beaten me to it. He makes exactly the same PortfolioVisualizer comparison I show below, except he chose RSP as Portfolio 1 and SPY as portfolio 2.) ...Therefore, in my view, the most important thing among two strategies is how much money is made and how much...
by unclescrooge
Thu May 17, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: HELOC - rate vs location?
Replies: 7
Views: 323

Re: HELOC - rate vs location?

Good morning! Yet another HELOC thread, but one with a slightly different question. My partner and I are considering applying for a HELOC. I'm between three credit unions for servicing it: DCU/Digital Credit Union, Bethpage Federal Credit Union, and PenFed (in that order). DCU has the best rate of ...
by unclescrooge
Thu May 17, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 2775

Re: Urgent: escrow situation in bay area

Congrats on being able to buy a house in Bay area on one income!

So long as your job is secure, you should do it.
by unclescrooge
Thu May 17, 2018 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2170

Re: Becoming a Certified Financial Planner

Financial planning, if done on a fee-only basis, is not a sales job. I don’t believe for one minute the CFP’s at Vanguard are “salespeople”. They render advice for a fee. Don Unless OP goes to work for vanguard he will spend most of his time selling his services, and not enough time doing financial...
by unclescrooge
Thu May 17, 2018 5:45 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4209

Re: Bed Bugs

If you are already paying for pest control, would this not be covered?

My in-laws had a carpet beetle invasion and the pest control company came out. They identified the bugs, sprayer and it was covered under their annual contract.
by unclescrooge
Wed May 16, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Margin debt ratio
Replies: 39
Views: 2421

Re: Margin debt ratio

Edward Thorp in one of his papers looked at the 59 year period from 1929-1984 and came up with 117% invested in S&P500 as being Kelly optimal growth, and at 170% being pretty certain of hitting a ruinous sequence of returns at some point.. http://www.edwardothorp.com/wp-content/uploads/2016/11/TheK...
by unclescrooge
Wed May 16, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2170

Re: Becoming a Certified Financial Planner

OP, if you want to obtain the CFP go for it. I would not pay any attention to the negativity posters. You can do a lot of good helping others who do not have a clue about financial planning for their taxes, investments, insurance, estate. Contrary to what was previously posted, doing CFP work is NO...
by unclescrooge
Wed May 16, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 2879

Re: Fellow non-529ers

Regarding getting "slaughtered on taxes" when trying to withdraw excess funds - is it really that much worse than the taxes you'd pay in a taxable account? IIRC there is an additional 10% tax on capital gains when you withdraw for reasons other than school expenses, but there's also been years of t...
by unclescrooge
Wed May 16, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Financial Planner and Blueleaf
Replies: 5
Views: 450

Re: Financial Planner and Blueleaf

I suppose you could ask for a reduction in the fee to 0.5% if you sign up at Blueleaf. Blueleaf doesn't charge the investor, only the advisor. Why would the advisor discount his rate on top of paying thousands of dollars a year to blueleaf? Well there are a lot of reasons, but signing up to bluelea...