Search found 1383 matches

by Rainier
Fri Feb 08, 2019 5:40 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3252

Re: Business Class to Japan

Hong Kong and Singapore are past Japan, by several hours. Are you familiar with how a plane flies from LA to Japan? Hawaii is also out of the way. Honestly, why not go to NY to Japan if you are considering stops in Hong Kong or Singapore. Off the top of my head, Singapore is 8 hours away from Japan....
by Rainier
Fri Feb 08, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 45
Views: 2362

Re: Tips/suggestions for skiing out west?

Before you commit to April skiing out west beware the modest skiing conditions. The temperature will be 50-70 degrees in the afternoons and 25-35 degrees at night. This makes the ski runs icy in the AM until about 10AM and then good for about two hours and then slushy for about 2 hours and peanut b...
by Rainier
Wed Feb 06, 2019 6:49 pm
Forum: Personal Investments
Topic: Advice for parking cash
Replies: 14
Views: 1753

Re: Advice for parking cash

30 day Treasuries at auction pay 2.40%. No state tax
by Rainier
Tue Feb 05, 2019 6:53 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 45
Views: 2362

Re: Tips/suggestions for skiing out west?

A Few points: 1) By May start researching the Ikon and Epic pass for next season. That will dictate where you go. 2) Even if your break in April is over Easter don't worry, skiing is cheap in April. Resorts are winding down and closing and most people have moved on to spring activities. Eastern ski ...
by Rainier
Tue Feb 05, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Deposit Cash into Fidelity Cash Management Account via ATM
Replies: 13
Views: 841

Re: Deposit Cash into Fidelity Cash Management Account via ATM

Nope. Most people who switch to online banking keep an account at a brick and mortar CU or bank with a low minimum for cash deposits/withdrawls (I've got an old TD bank account with a $100 minimum balance hanging around). Not true, I don't have a brick and mortar bank. I'll spend the cash. If it is...
by Rainier
Mon Feb 04, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Tips/suggestions for skiing out west?
Replies: 45
Views: 2362

Re: Tips/suggestions for skiing out west?

Some really questionable suggestions on here. Just because its a great place to ski doesn't mean its a great place for a family to ski/vacation. I questions anybody who is a serious skier that buys lift tickets by the day. Multi-resort season passes can pay for themselves in 4-5 days with just a lit...
by Rainier
Mon Feb 04, 2019 6:35 am
Forum: Personal Investments
Topic: Incorrect 1099-INT [Insight], options besides calling bank?
Replies: 22
Views: 1246

Re: Incorrect 1099-INT [Insight], options besides calling bank?

Bank 1 Name: "Republic Bank of Chicago" - Actual interest on incorrect 1099

Bank 2 Name: "Adjustment for incorrect 1099" - ($-190)

Done
by Rainier
Sun Feb 03, 2019 1:26 pm
Forum: Personal Investments
Topic: TurboTax Premier appears to not be able to import Fidelity brokerage account documents related to ESPP
Replies: 9
Views: 1592

Re: TurboTax Premier appears to not be able to import Fidelity brokerage account documents related to ESPP

HueyLD wrote:
Sun Feb 03, 2019 7:48 am

Online version or download/CD version? They have different functionality.
The CD version, which btw, was $10 less than downloading on Amazon.
by Rainier
Sun Feb 03, 2019 5:50 am
Forum: Personal Investments
Topic: TurboTax Premier appears to not be able to import Fidelity brokerage account documents related to ESPP
Replies: 9
Views: 1592

Re: TurboTax Premier appears to not be able to import Fidelity brokerage account documents related to ESPP

slalom wrote:
Sun Feb 03, 2019 1:44 am
Rainier wrote:
Sat Feb 02, 2019 6:25 am
Why did you pay for TurboTax Premier?
Deluxe doesn’t import investment account transactions. If you mean why I didn’t use some other service, I like TT. I also get a discount on it from TDA.
Yes it does, did it last week from Fidelity. Worked just fine.
by Rainier
Thu Jan 31, 2019 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 60
Views: 4417

Re: Tax filing software

I have a question regarding FreeTaxUSA (didn't want to open a thread just for that) I'm considering cheaper alternatives to TurboTax Premier, and read recommendations for FreeTaxUSA. Can FreeTaxUSA handle the following: - Backdoor Roth - Mega backdoor Roth - Capital gains - Tax loss harvesting Anyo...
by Rainier
Mon Jan 28, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 60
Views: 4417

Re: Tax filing software

Can I enter Schedule D and C using TurboTax Deluxe or Basic or do I have to pay for the Home and Business? I don't need "extra guidance" or "secret deductions," I know where everything goes I'm just wondering if I need to pay for the more expensive versions if I don't need the guidance. I'm already ...
by Rainier
Mon Jan 28, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Treasury Money Market Fund - Taxes
Replies: 3
Views: 428

Re: Treasury Money Market Fund - Taxes

Yes, I meant FZFXX.

I need to check yields, but I might want to be in FDLXX.
by Rainier
Mon Jan 28, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Treasury Money Market Fund - Taxes
Replies: 3
Views: 428

Treasury Money Market Fund - Taxes

My T-Bill interest clearly shows up on my 1099-INT in box 3 which automatically excludes it from state taxes in my tax program. On the other hand, I hold FXFXX (Fidelity Treasury Money Market) that reports interest on a 1099-DIV in Box 1 only (ordinary dividends). I assume for these "dividends" I ha...
by Rainier
Fri Jan 25, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Fee Reimbursement
Replies: 12
Views: 739

Re: Fidelity HSA Fee Reimbursement

How long did it take to transfer directly? Curious as I will be doing this as well. Why not ask Fidelity PRIOR to transferring fund? Seems this would have you at the most advantageous bargaining position. Initiated the transfer first week of January by mail and funds were over by January 22nd. Some...
by Rainier
Fri Jan 25, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Fee Reimbursement
Replies: 12
Views: 739

Re: Fidelity HSA Fee Reimbursement

If you read the thread some of the early people got the fee reimbursement but it was clearly stated by many that they stopped. This should not have been a surprise. Not surprised, any inclination of surprise from my original post? If I get it great, if not, I don't care. The cost savings at Fidelit...
by Rainier
Fri Jan 25, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Fee Reimbursement
Replies: 12
Views: 739

Fidelity HSA Fee Reimbursement

I just moved my HSA to Fidelity and asked if they would reimburse the transfer out fee from the sending bank. Fidelity told me per IRS regulations they are not allowed to reimburse this type of fee. Is this true? In the Fidelity HSA thread I could swear people were being reimbursed by Fidelity. My t...
by Rainier
Tue Jan 15, 2019 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Chase Reserve - Travel Insurance
Replies: 8
Views: 885

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: 885

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: 885

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: 885

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: 885

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: 3366
Views: 635624

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: 3366
Views: 635624

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: 676

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: 2640

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: 2640

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: 3104

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: 3573

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: 3573

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: 3573

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: 3573

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: 929

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: 3573

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: 3573

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: 929

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: 929

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: Personal Investments
Topic: >$250,000 portfolios with Vanguard? Insurance?
Replies: 42
Views: 8288

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: 528

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: 528

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: 4584

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: 11049

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: 116
Views: 15175

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: 5092

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: 24509

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: 24509

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: 24509

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: 2854

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: Personal Investments
Topic: Cash out Long term gains?
Replies: 9
Views: 862

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: 1328

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...