Search found 35 matches

by G3VALD1G
Tue Jun 18, 2019 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Credit Card - Binding arbitration opt-out?
Replies: 43
Views: 3719

Re: Chase Credit Card - Binding arbitration opt-out?

Don't know if anyone mentioned this but the link below makes it easy and efficient to opt out. I'm not sure about the privacy and security of the info submitted on that site though.

https://www.chaseoptout.com/
by G3VALD1G
Thu May 16, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Usefullness of 2 in 1 laptops?
Replies: 18
Views: 1776

Re: Usefullness of 2 in 1 laptops?

Using the surface pro lately. It's a 2 in 1. Serves as a laptop and desktop. When I'm in the office is connected to the dock, do I get the full desktop experience like dual monitors, wired network, printers, desk speakers.... Works like the real thing. And when I leave it comes along, so whenever I ...
by G3VALD1G
Sat May 11, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Premier Plus Checking - How to earn maximum interest?
Replies: 17
Views: 1375

Re: Chase Premier Plus Checking - How to earn maximum interest?

A Chase brokerage account with any holding off over 15k should qualify. I've been doing this for years. Another good thing about the Chase premier checking account is that you get a free safe deposit box. That's another $75 dollars in annual value. The general value of Chase Bank is that checks clea...
by G3VALD1G
Sun May 05, 2019 9:26 am
Forum: Personal Investments
Topic: One Man Show: Small Business Owner, Help!
Replies: 12
Views: 1415

Re: One Man Show: Small Business Owner, Help!

Small business owner here with cash on hand over the year. I keep the cash in a Fidelity business brokerage account. The core position is a government bonds find which returns a notch over 2 percent. The amount allows me remote check deposit for up to 100k, and fee ach back transfers with check writ...
by G3VALD1G
Sun May 05, 2019 12:30 am
Forum: Investing - Theory, News & General
Topic: Legos appreciating in value?
Replies: 49
Views: 9292

Re: Legos appreciating in value?

Looking into investing in some Lego sets. Any updates on the subject? How's it working out for those in the game? Still playing it? Profiting?
by G3VALD1G
Thu May 02, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Anyone ever used a water damage restoration company to help file insurance claim?
Replies: 22
Views: 1177

Re: Anyone ever used a water damage restoration company to help file insurance claim?

I'm not sure about other states. But in NY it is illegal for a contractor or a restoration company to file and represent you in a claim. They will represent their open interest and will not care about you. Most of these firms are ruthless thieves, so be in the lookout. When you sign the authorizatio...
by G3VALD1G
Wed Apr 24, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Dash cam without wires
Replies: 9
Views: 956

Re: Dash cam without wires

It could nicely be wired and hidden to the fuse box. You could check the process on YouTube or check for local installers. I paid someone to install mine, and he did a very nice job. Dashcams are important. I installed it after I got a cellphone ticket, I did not use it touch a phone. Unfortunately ...
by G3VALD1G
Mon Apr 22, 2019 11:23 pm
Forum: Personal Consumer Issues
Topic: Mint users-is there a way to ONLY link CCs?
Replies: 2
Views: 301

Re: Mint users-is there a way to ONLY link CCs?

Simply set those bank accounts as closed in account settings, and it will show zero balance and stop syncing those accts.
by G3VALD1G
Sun Apr 07, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance ? (Filing claim 6 days after closing)
Replies: 7
Views: 849

Re: Home Insurance ? (Filing claim 6 days after closing)

I wouldn't trust the insurance company either. They are not your friend. Although a majority of them are fine, you should still make clear upfront in writing a cash price in case.... Hiring a public adjuster to represent and advise you may help. But you have to make sure you hire someone you could t...
by G3VALD1G
Sun Apr 07, 2019 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Home Insurance ? (Filing claim 6 days after closing)
Replies: 7
Views: 849

Re: Home Insurance ? (Filing claim 6 days after closing)

You have to be very careful with these mold/water companies. Most of them are better at cleaning and treating your pocket or policy rather than your house. Before signing anything make sure they give a price upfront in writing in case there claim gets denied and it's all on you. I've seen many peopl...
by G3VALD1G
Sun Mar 31, 2019 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 88
Views: 11413

Re: [Retiring before 65: How do you deal with health insurance?]

Self employed using liberty healthshare. Couldn't be happier. I know it's capped at a million, but most insurance are also capped in their own respective ways. I couldn't say if that's the right solution for somebody else, but ACA/state compliant insurance is not capped in my state (NJ), isn't allo...
by G3VALD1G
Tue Mar 26, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 88
Views: 11413

Re: [Retiring before 65: How do you deal with health insurance?]

Self employed using liberty healthshare. Couldn't be happier. I know it's capped at a million, but most insurance are also capped in their own respective ways. This wouldn't work for people with potentially expensive pre existing conditions - and pretty much all pre existing conditions are potentia...
by G3VALD1G
Mon Mar 25, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 88
Views: 11413

Re: [Retiring before 65: How do you deal with health insurance?]

Self employed using liberty healthshare. Couldn't be happier. I know it's capped at a million, but most insurance are also capped in their own respective ways.
by G3VALD1G
Sun Mar 24, 2019 12:17 am
Forum: Personal Consumer Issues
Topic: Anybody tempted by the new iPads?
Replies: 37
Views: 3187

Re: Anybody tempted by the new iPads?

Was waiting for Apple to update the mini. I use it mainly for business purposes, and the apps I use require a lot of processing power, and the mini 4 was kind of slow. I used to use the bigger iPad but that was to heavy to hold in one hand for longer periods.
by G3VALD1G
Fri Mar 22, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best courses and books on negotiation
Replies: 23
Views: 2552

Re: Best courses and books on negotiation

I read getting to yes many years ago, it seemed great and was very helpful. But I still struggled a lot. A year ago I read never split the difference, and it really made a big difference. I would highly recommend that book to anyone. For the most part he shows that negotiation is all about changing ...
by G3VALD1G
Sun Feb 24, 2019 2:45 am
Forum: Personal Investments
Topic: bitcoin guy wants to stock market
Replies: 234
Views: 12831

Re: bitcoin guy wants to stock market

With low/no income you should easily qualify for Medicaid. No need for Medicare over 65 if you qualify for Medicaid. In my state it really doesn't matter hours many assets you have to qualify. Only income matters. Based on the info you provided, you could easily make ends meet between welfare, secti...
by G3VALD1G
Fri Sep 21, 2018 12:36 am
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 33
Views: 4087

Re: Recommend a To-do app please.

Clickup.com has all of the features you mentioned. I have been with it for about a year and I'm satisfied. The mobile app though is a little limited compared to the website.
by G3VALD1G
Sun Sep 16, 2018 9:49 pm
Forum: Personal Investments
Topic: Should I invest with the Robinhood app?
Replies: 13
Views: 3900

Re: Should I invest with the Robinhood app?

Some new information on how Robinhood profits on their "free" services...

https://www.zerohedge.com/news/2018-09- ... ncstealing
by G3VALD1G
Sun May 17, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance for Florida Condo High Rise?
Replies: 11
Views: 5001

Re: Flood Insurance for Florida Condo High Rise?

Do they recommend that you purchase yourself for your own unit or that the entire condo should chip in to one policy? If it's one big policy it should be needed for all the building utilities which service all units and is on the first floor. Also note a flood on the bottom of the building could put...
by G3VALD1G
Fri Feb 20, 2015 12:36 am
Forum: Personal Investments
Topic: Chase?
Replies: 10
Views: 1467

Re: Chase?

BL wrote:
G3VALD1G wrote: Did you move away from Chase?
I figured out how to take advantage.
by G3VALD1G
Thu Feb 19, 2015 11:39 pm
Forum: Personal Investments
Topic: Chase?
Replies: 10
Views: 1467

Re: Chase?

The only good thing about chase brokerage is that if you Over 15k at chase you get free checking + safe deposit box+ free checks+ a couple of other things. You can just transfer to chase from vanguard any fund free if charge and just let it sit at Chase and get all the free goods. Don't purchase van...
by G3VALD1G
Thu Feb 19, 2015 11:21 pm
Forum: Personal Investments
Topic: Chase?
Replies: 10
Views: 1467

Re: Chase?

Unfortunately I have a chase brokerage account. I wasn't informed about Vanguard at that time. My fees on a trade is 50 dollars. Any online brokerage charges under 10 dollars per trade.
by G3VALD1G
Thu Nov 27, 2014 12:29 pm
Forum: Personal Investments
Topic: Stuck with an active high ER fund! Should I sell ??
Replies: 9
Views: 967

Re: Stuck with an active high ER fund! Should I sell ??

Thanks all for helping me. I Guess i will sell this.
by G3VALD1G
Wed Nov 26, 2014 4:05 pm
Forum: Personal Investments
Topic: Stuck with an active high ER fund! Should I sell ??
Replies: 9
Views: 967

Stuck with an active high ER fund! Should I sell ??

Hi I started out investing with a financial advisor in my local Chase. A couple of books later i switched to Vanguard. Unfortunately i was stuck with 35 funds. most of them i sold but a few had to much gain to just sell. I'm not sure whether i should stay in these funds or sell pay taxes and invest ...
by G3VALD1G
Tue Nov 25, 2014 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance
Replies: 10
Views: 1159

Re: Homeowner's Insurance

Yes, point taken, I was trying to point out that I would probably use wood moldings for convenience and speed. Another example would be the joists...would I demand solid oak joists a opposed to modern materials? Cast iron waste pipes? I doubt it. Could I? Perhaps. Would I? Doubtful. Why not? You pa...
by G3VALD1G
Tue Nov 25, 2014 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance
Replies: 10
Views: 1159

Re: Homeowner's Insurance

replacement cost will pay for whatever you have at the time of loss including the price to replace the plaster walls. But note that most replacement cost policies only par the actual cash value upfront and hold back the rest until the house is rebuilt and the money was spent. Also note you have to b...
by G3VALD1G
Tue Aug 19, 2014 3:25 pm
Forum: Personal Consumer Issues
Topic: B&H Photo - NY City Experience
Replies: 35
Views: 3738

Re: B&H Photo - NY City Experience

I'm a long time B&H customer and have a lot of friends working there. They are highly reliable and go out of the way for customer satisfaction.
by G3VALD1G
Sun Jun 08, 2014 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014 *Updated*
Replies: 36
Views: 82225

Re: Best Credit Card Promos 2014

If you have some time to spend and want to max out the most benefits you can on your credit hang around on dansdeals.com
by G3VALD1G
Sun Jun 01, 2014 7:48 am
Forum: Personal Investments
Topic: Declining Balance Exchange
Replies: 4
Views: 575

Re: Declining Balance Exchange

Thanks. This explains it perfectly.
by G3VALD1G
Sun Jun 01, 2014 6:40 am
Forum: Personal Investments
Topic: Declining Balance Exchange
Replies: 4
Views: 575

Re: Declining Balance Exchange

This question was asked six years ago on the forum. See this thread for an answer. http://www.bogleheads.org/forum/viewtopic.php?p=268398 Thanks. Before starting this thread I searched and found that thread but couldn't understand and also that thread is not for an exchange it's withdrawal. I'm ask...
by G3VALD1G
Fri May 30, 2014 10:13 am
Forum: Personal Investments
Topic: Declining Balance Exchange
Replies: 4
Views: 575

Declining Balance Exchange

I have 2 vanguard funds and i want to sell one and buy the other over time.
I went to set up on the website a scheduled automatic exchange over time and they give me 4 options.

1) Dollar 2) Percent 3) Shares 4) Declining Balance

I'm wondering what the definition of declining balance is
by G3VALD1G
Sun Dec 22, 2013 11:49 pm
Forum: Investing - Theory, News & General
Topic: Performance Historyof a hypothetical investment or portfolio
Replies: 3
Views: 473

Performance Historyof a hypothetical investment or portfolio

Hi I'm in middle moving my assets from JP Morgan to Vanguard according to my advisers at JP Morgan Vanguard underperformed and Chase outperformed. (Its simply not true) He has some tools from Morning* to calculate it but he puts in the information in a way that works for him. My question is where ca...
by G3VALD1G
Fri Dec 20, 2013 1:44 am
Forum: Personal Investments
Topic: How to leave my financial adviser
Replies: 39
Views: 5201

Re: How to leave my financial adviser

So i finally decided that it needs to be done before years end so i called Vanguard as to how the process works. Well it turns out that its not just a phone call to Vanguard and that's it. The story here is that its a managed account and the funds are institutional shares. I can transfer the account...
by G3VALD1G
Fri Aug 23, 2013 1:56 am
Forum: Personal Investments
Topic: How to leave my financial adviser
Replies: 39
Views: 5201

Re: How to leave my financial adviser

Hi all thanks so much for all the help i will update on this issue once i make my move. thanks again.
by G3VALD1G
Sun Aug 18, 2013 3:34 pm
Forum: Personal Investments
Topic: How to leave my financial adviser
Replies: 39
Views: 5201

How to leave my financial adviser

I started investing a few years ago at that time i knew almost nothing about the market and investing. My checking account is with chase and some financial advisers have put in a lot of work explaining me how, why, where and so on to invest. I invested returns are not bad. (Well markets went up). Fa...