Search found 1366 matches

by Rainier
Tue Jan 15, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Chase Reserve - Travel Insurance
Replies: 8
Views: 872

Re: Chase Reserve - Travel Insurance

Not sure what solved the issue but I retried the purchase using the official SBB mobile app on my Android AND set my VPN to a Switzerland based router and I was able to make the purchases with no issue. I'm guessing the VPN made the difference, but not sure. Seems crazy since train tickets are 100% ...
by Rainier
Mon Jan 14, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Reserve - Travel Insurance
Replies: 8
Views: 872

Re: Chase Reserve - Travel Insurance

That may be the case for Switzerland. But loco2 doesn't just sell same day tickets. Advance tickets that go on sale on train system websites are usually available for the same price on loco2 and it is useful when the train system websites are idiosyncratic (such as Renfe in Spain). For example, I p...
by Rainier
Mon Jan 14, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Reserve - Travel Insurance
Replies: 8
Views: 872

Re: Chase Reserve - Travel Insurance

Some train systems have problems accepting US based credit cards. I am not sure if that's the reason for your issues with Swiss Railways. You can try reserving tickets using www.loco2.com as they integrate with many European railways and, in many cases, offer tickets at the same price as the rail s...
by Rainier
Mon Jan 14, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Reserve - Travel Insurance
Replies: 8
Views: 872

Re: Chase Reserve - Travel Insurance

Thanks. Looks like I am covered no matter what card I use (as was my original understanding), and the SBB issue with Chase is widespread and not specific to me. Odd, since I used the same card in July 2018 with no issues with the SBB. My sister is going to Switzerland a week before me and also could...
by Rainier
Mon Jan 14, 2019 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Reserve - Travel Insurance
Replies: 8
Views: 872

Chase Reserve - Travel Insurance

Has anybody ever put in a claim for the travel insurance provided by the Chase Reserve card? Do you know the requirements for a trip to qualify for coverage? I booked my flight with the CSR and plan to pay for my hotel with the card but I am having a hard time purchasing train tickets online with my...
by Rainier
Sun Jan 13, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3172
Views: 615697

Re: What's Your Credit Card Rewards Strategy?

Is there a way us to verify if our new Barclay Arrival card (partner of AA) IS a "chip and PIN" rather than regular "chip and signature"? Thanks. RM Call them. But I believe all BarclayCards are Chip and PIN. BTW, even with a Chip and PIN you don't always have to enter a PIN. Most of the times you ...
by Rainier
Sat Jan 12, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3172
Views: 615697

Re: What's Your Credit Card Rewards Strategy?

I like to have a true Chip + PIN card for international travel. Historically I had the Barclay Arrival + for the bonus then the free version of the Arrival (I hate their award system btw, too restrictive on reimbursements). I recently just got the Barclay Uber and will ditch the Arrival. Here is why...
by Rainier
Thu Jan 10, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 638

Newspapers / News Subscriptions

I never got my news from FB, and have deleted my account but I do use Twitter often for breaking news and topics of interest. I actually spend too much time on Twitter and would like to use it much less or delete it. I just finished a book about why you should delete social media and one thing that ...
by Rainier
Mon Dec 31, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Automating expense tracking
Replies: 37
Views: 2589

Re: Automating expense tracking

Personal Capital works great, especially when you have several accounts. Cost is free. I'm surprised the savvy people on this forum believe programs like Mint and Personal Capital are free. Just like Facebook and every other free service, you are the product, not the customer. Maybe that is an issu...
by Rainier
Sun Dec 30, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Automating expense tracking
Replies: 37
Views: 2589

Re: Automating expense tracking

Can Fidelity Full View replace software like Quicken? Is there a way to sample the interface without enrolling?

Can you split transactions? Can you reconcile checking accounts? The main reason I have never been able to switch to Mint or PC is the inability to reconcile my checking account.
by Rainier
Sun Dec 30, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus™ World Elite Mastercard®
Replies: 40
Views: 3060

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

I've had this card a few times for the sign up bonuses, but always cancelled or downgraded. This is a true Chip + PIN card, which is good to have when traveling. I ultimately will cancel this card and just keep the Uber card for the cell phone insurance and Chip + PIN access. The arrival is just a h...
by Rainier
Sat Dec 22, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3466

Re: Email Accounts - How Many / Security / Best Practices

squirm wrote:
Sat Dec 22, 2018 4:52 pm
Not sure I want Google going through my emails, Microsoft has very good email security. I use two factor also.
Security or privacy? I agree they have good security. Not sure about privacy though.
by Rainier
Sat Dec 22, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3466

Re: Email Accounts - How Many / Security / Best Practices

Thanks everyone. This is where I ended up: 1) Got rid of my mobile number as the 2FA for google. It is now: my Android devices, Google Authenticator, my wife's phone and my home phone. I also changed backup email to a different account. Most email will continue to live at Google but I will still to ...
by Rainier
Fri Dec 21, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3466

Re: Email Accounts - How Many / Security / Best Practices

I never understood why people use ISP provided emails addresses. Not so great when you move or change ISPs.... I see the Yubikeys have an NFC option so that helps with mobile devices. How do I setup 2 yubikeys? Do they both have to be with me when programming a new login? That makes sense, but would...
by Rainier
Thu Dec 20, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3466

Re: Email Accounts - How Many / Security / Best Practices

Epsilon Delta wrote:
Thu Dec 20, 2018 8:41 pm
If I used email on a phone I would have one or more accounts I used on the phone and at least one I never used on the phone. The non-phone account(s) would have 2FA and be used for all password resets and all financial transactions.
I was sort of working toward this idea.
by Rainier
Thu Dec 20, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Tax Planner - Google Sheet
Replies: 6
Views: 912

Re: 2019 Tax Planner - Google Sheet

For 2018 somebody created a great tax planning spreadsheet that covered just about everything, including states and cash flow planning. Does anybody know if this has been updated for 2019 and where I can download it? I would just re-use 2018 but I broke a lot of formulas and would like to start ove...
by Rainier
Thu Dec 20, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3466

Re: Email Accounts - How Many / Security / Best Practices

In my opinion, and in the opinion held by many in the security community, Google is the best steward of one's email. They spend tens of millions of dollars per year to run internal security auditing + employ a full-time, world-class, security research team. Every free user of Gmail benefits from th...
by Rainier
Thu Dec 20, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 3466

Email Accounts - How Many / Security / Best Practices

My primary email is my gmail/google account that I use for just about everything. About a week ago I started getting anti-google / anti-free products and started looking into ways to get away from Google and get more secure email (I deactivated facebook and will delete account in the next week). I'v...
by Rainier
Thu Dec 20, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Tax Planner - Google Sheet
Replies: 6
Views: 912

Re: 2019 Tax Planner - Google Sheet

Thanks, I did find that one but its not the one I was thinking of.

Should work for me though (even for 2019 planning).
by Rainier
Thu Dec 20, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Tax Planner - Google Sheet
Replies: 6
Views: 912

2019 Tax Planner - Google Sheet

For 2018 somebody created a great tax planning spreadsheet that covered just about everything, including states and cash flow planning. Does anybody know if this has been updated for 2019 and where I can download it? I would just re-use 2018 but I broke a lot of formulas and would like to start over.
by Rainier
Thu Jun 28, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 42
Views: 8257

Re: >$250,000 portfolios with Vanguard? Insurance?

I am not aware of property and casualty insurance for brokerage account balances :-) That's exactly what there is. Beyond SIPC brokerages like Fidelity have their own insurance to guard against theft or other losses not associated with market value. Most people assume FDIC protects your bank accoun...
by Rainier
Sun Jun 17, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Swiss Rail - Point to Point Tickets
Replies: 5
Views: 516

Re: Swiss Rail - Point to Point Tickets

It depends on the type of ticket you purchase. There are often cheaper tickets that commit you to a train at a set time (called "Supersaver" tickets). If, however, you just buy the regular price tickets you will be fine; the ticket will just show a date so it's good any time that day. If you're goi...
by Rainier
Sun Jun 17, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Swiss Rail - Point to Point Tickets
Replies: 5
Views: 516

Swiss Rail - Point to Point Tickets

I'm having a hard time finding a definitive answer to this online and when I have asked the SBB questions in the past there always seems to be some misunderstanding. The real reason I want to know is that I will likely have little time at the airport when I land to talk with the train people before ...
by Rainier
Sun Jun 17, 2018 5:26 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4540

Re: iPad Pro 12.9": Replacement for Laptop?

The only thing that can replace a Kindle is a book, as reading on an ipad is a totally different experience. Books and Kindles print the text on the screen (paper) and the ambient light from your lights or the sun reflects off the surface so you can read. An iPad generates its own light and projects...
by Rainier
Sat Jun 02, 2018 7:00 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 10972

Re: General Electric

I no longer own individual stocks. But when I did I sold them immediately if there was even a hint of accounting fraud. GE is currently under investigation for that, and has a history of fudging the numbers. I would sell right away. But you are fine owning dozens of companies in the total market ac...
by Rainier
Sun May 27, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13433

Re: done with Gmail

Pro tip:

Memorize your Gmail password, it is probably the most important one you have. Don't store in a password manager.

Also, I never use my Gmail password, i stay logged in on my phone and home computer. Only time I need to login is on outside computers.
by Rainier
Sun May 27, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 60
Views: 5016

Re: Considering iPad to replace failing Nexus tablet

I have an Android phone and iPad and they work perfectly together as I am mostly in the Google environment. Mail, calendars, files and photos are all on sync.

Also, since I use Project Fi for phone service I get texts and calls on my iPad.
by Rainier
Sat May 19, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 24242

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

So what should we invest in besides stocks? Direct real estate - rental properties. With the housing shortage in areas like Southern California I would have to agree with that. I was burned so bad in real estate before that I hesitate to get into it, plus I tried to play landlord and that was not a...
by Rainier
Sat May 19, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 24242

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

I invest 70% of my portfolio in bonds, not because of returns, but because of balance. Buffett doesn't have to worry about balancing his portfolio (are you kidding?!). He is in a different universe. And what he says is great for him, and he is correct for him. As a mere mortal and a nobody, I have ...
by Rainier
Sat May 19, 2018 11:35 am
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 24242

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

Bonds are a terrible investment compared to stocks is his point. It's an expected return argument and he's right about that. Many bogleheads own bonds but I don't see anyone arguing that bonds have higher expected returns than stocks right now. It's entertaining seeing people argue against Warren B...
by Rainier
Fri May 18, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Question
Replies: 22
Views: 2797

Re: Mortgage Payoff Question

delamer wrote:
Thu May 10, 2018 12:31 pm
Agree that your plan is not the best way to go.

If you are really intent on paying off the mortgage early, check into refinancing to a 15-year and figure out how to make that payment without decreasing your 401(k) contributions.
Their 30 year rate is less than the current 15 year rate.
by Rainier
Thu May 17, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Cash out Long term gains?
Replies: 9
Views: 856

Re: Cash out Long term gains?

Since you have to pay tax that money has to come from somewhere and thus that money loses out on potential future gains. Tax deferred compounding is powerful and I would not voluntarily pay a tax that is not owed. Any chance you are in the 0% long term gains tax bracket? In that case, go for it and...
by Rainier
Thu May 17, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: Departed employee & final pay check
Replies: 9
Views: 1315

Re: Departed employee & final pay check

It seems like it, also consider going to your state's Department of Labor if the company does not resolve. But....health benefits are typically run on a monthly basis. The company paid the premium for February and you were covered for the entire month, even though somebody may have told you that you...
by Rainier
Thu May 17, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: Cash out Long term gains?
Replies: 9
Views: 856

Re: Cash out Long term gains?

Since you have to pay tax that money has to come from somewhere and thus that money loses out on potential future gains. Tax deferred compounding is powerful and I would not voluntarily pay a tax that is not owed. Any chance you are in the 0% long term gains tax bracket? In that case, go for it and ...
by Rainier
Thu May 17, 2018 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Can i combine a regular IRA with a SEP IRA?
Replies: 5
Views: 589

Re: Can i combine a regular IRA with a SEP IRA?

You can consolidate them. Request a direct trustee transfer into the surviving IRA account. As a non reportable transfer you will not get a 1099R and will not need to report the transfer on your tax return. If you will not be making any further SEP IRA contributions, transfer the SEP balance into o...
by Rainier
Wed May 16, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 1969

Re: Wellington and Wellesley on May 16th [Incorrect price quote]

How is this possible to mis quote the NAV?

What if you bought our sold today?
by Rainier
Wed May 16, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Better to be in debt to yourself or others?
Replies: 25
Views: 1920

Re: Better to be in debt to yourself or others?

What if your 401k was invested in low interest bond funds?

Instead of lending to the government or a company you can lend to yourself and pack more interest into the account.
by Rainier
Tue May 15, 2018 5:40 am
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 11535

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

With a short term treasury bond ladder earning 2-3% and only taking out $40k per year how long would it last?

Earning 0% it would last 25 years (and no income taxes). Add in 2% and it lasts much longer.
by Rainier
Fri May 11, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5888

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by Rainier
Fri May 11, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 263
Views: 45019

Re: Ally online savings now at 1.60%

My Ally account is earning 0.00% since I pulled out all my cash to earn more in money markets and US Treasuries.

Ally.....call me when you make it worth my time again.
by Rainier
Fri May 11, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5888

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much).
by Rainier
Fri May 11, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Ally 12 month cd 2.25%
Replies: 9
Views: 2427

Re: Ally 12 month cd 2.25%

Same as a 12 month US treasury but no state income tax....and its the most liquid investment in the world....and you can buy it for no cost....and you can hold it in your brokerage account with all your other investments. I have some CDs at Ally (second-tier emergency fund $), and while I've been h...
by Rainier
Fri May 11, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5888

Re: Anyone buy carbon offsets when flying?

If you are concerned you shouldn't fly. Buying carbon credits aren't really going to undo the fact you are flying. Yep, don't fly. Also, don't drive. Definitely do not eat. Even as a vegetarian you are killing green plants that are scrubbing C02 from the air. Also, cut way back on breathing. Main b...
by Rainier
Fri May 11, 2018 9:32 am
Forum: Investing - Theory, News & General
Topic: Ally 12 month cd 2.25%
Replies: 9
Views: 2427

Re: Ally 12 month cd 2.25%

Same as a 12 month US treasury but no state income tax....and its the most liquid investment in the world....and you can buy it for no cost....and you can hold it in your brokerage account with all your other investments.
by Rainier
Fri May 11, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: buying treasuries and cd's at Fidelity
Replies: 6
Views: 1745

Re: buying treasuries and cd's at Fidelity

You'll likely find everything you need as a new issue CD or treasury. Might be a good idea to google the Treasury auction calendar so you can see what is coming up. I think 4 and 13 week treasuries are auctioned every week on Tuesdays (need to place your order in the morning) and the funds settle on...
by Rainier
Thu May 10, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Dog as Running Companion - Advice, Equipment, Training, Etc.
Replies: 23
Views: 1838

Re: Dog as Running Companion - Advice, Equipment, Training, Etc.

I run with my black lab a couple times a week, with longer distances in the winter and sometimes not at all during peak summer heat. Harnesses are silly, dogs' necks aren't people necks. I use a bungy cord leash, but I never strap it around my waist. I would not wait until the dog is a year old. The...
by Rainier
Thu May 10, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 3364

Re: Payoff mortgage early or save?

bradpevans wrote:
Thu May 10, 2018 1:44 pm
This is exactly my viewpoint: I don't want to pay it *down* until i can pay it *off*, simply for cash flow reasons.
I have 3.75 and itemize, so its about 3% net rate.
Are you sure you are going to itemize in 2018?

Many people who itemized in the past will not be itemizing in 2018.
by Rainier
Tue May 08, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2783

Re: Emergency Fund Investment Plan

I would certainly ditch the $9k at Wells Fargo. Not sure why you need instant access to $9k (only during banking hours). If someone takes you hostage I'm sure they are going to ask for more than $9k and $9k at 0.01% is an insult. I believe Ally delivers the funds the next day, unless you are at some...
by Rainier
Fri May 04, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: What Happens When A Car Dealer Goofs?
Replies: 12
Views: 2601

Re: What Happens When A Car Dealer Goofs?

They ate a few thousand dollars on a deal we did. Everything was signed, we took the new car and a few days later we got a call from the finance guy saying we needed to write a check for $2,500 because he forgot to add the sales tax. I said no, I said our deal was $45,000 (or something like that) al...
by Rainier
Mon Apr 30, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 263
Views: 45019

Re: Ally online savings now at 1.45%

They're getting smoked by treasuries and broker money markets right now. I pulled everything out of Ally and now have one less account to manage. If I may ask, where did you put the money instead? I have a savings acct and CD with them. My brokerage is Fidelity and their cash options are like 1.3% ...