Search found 658 matches

by arf30
Fri May 15, 2020 9:26 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50414

Re: How Is Your Job Being Impacted By The Current Crisis?

I'm in IT/Cloud and there has been a large surge of hiring as companies scramble to expand their capability to do business online. It may taper off in the medium term as consumer buying power starts to fade due to layoffs in other industries.
by arf30
Fri May 08, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Audi A8 or keep looking?
Replies: 30
Views: 2353

Re: Audi A8 or keep looking?

I like our 2019 Audi but I wouldn't want to own one out of warranty. Can you get a 3rd party warranty on it through a credit union?
by arf30
Thu May 07, 2020 5:03 pm
Forum: Investing - Theory, News & General
Topic: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible
Replies: 29
Views: 2939

Re: Introducing Schwab Stock Slices™ – Designed to Make Investing Easier and More Accessible

I wonder if this will be available for the web, since Fidelity has yet to roll out their fractional shares to anything except their clunky mobile app for regular brokerage accounts.
by arf30
Wed May 06, 2020 8:24 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55500

Re: How to get Toilet Paper ? seriously.

Amazon (prime) has been pretty stocked with name brand TP lately, have not had any issues ordering 2 large packs of cottonelle this week. They sell out quick, but restock quickly as well.
by arf30
Tue May 05, 2020 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: [thinking about buying a house in LA, wait for RE crash?]
Replies: 56
Views: 3307

Re: do you expect there to be a housing market crash? If so, when?

Unlikely to be a "crash", people will just sit on their homes instead of selling them. Prices may decline in some places but real estate is highly regional.
by arf30
Sun May 03, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Closing Chase Bank Account
Replies: 11
Views: 1514

Re: Closing Chase Bank Account

I pull out down to the minimum via ACH, then call or secure message to close the account and they'll mail a check for the rest.
by arf30
Tue Apr 28, 2020 10:13 am
Forum: Personal Investments
Topic: how to go around ATM daily limit to withdraw cash for emergency
Replies: 25
Views: 2607

Re: how to go around ATM daily limit to withdraw cash for emergency

With the Fidelity debit card you can walk into any bank branch and do a cash advance (no fees, up to about 15k for me).
by arf30
Mon Apr 27, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6052

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

IT had already been shifting towards WFH and that trend will only accelerate now. More traditional professions will probably go back to the office but include a few days from home here and there as a perk. Most companies are seeing the advantages of reduced office space costs and the ability to rema...
by arf30
Mon Apr 20, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31060

Re: Car Dealers not really wanting to make a deal

Deals are just starting to pop up for low volume luxury sports cars. I think there will eventually be deals on mass market models like Camry/Corolla, but not for a few months.
by arf30
Wed Apr 15, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14288

Re: Apple Released a New Low-cost Iphone

They're going to sell a zillion of these.
by arf30
Tue Apr 14, 2020 6:22 am
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4161

Re: Flying in September, think it will be safe?

Until there's a vaccine and you've received it, it's not really going to be safe.
by arf30
Sat Apr 04, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2762

Re: is a $1000+ herman miller office chair worth the investment?

A quality office chair is one of those things where spending a lot of money is absolutely worth it (for people who sit a lot).
by arf30
Fri Apr 03, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9233

Re: How much have YOU reduced spending during downturns?

Due to being stuck at home we've basically reduced spending down to grocery delivery and nothing else, not even gas. Previously we've been fairly strong spenders (8-10k a month household).
by arf30
Fri Mar 27, 2020 2:53 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 503
Views: 50414

Re: How Is Your Job Being Impacted By The Current Crisis?

Already working in IT from home before the crisis, so unaffected in the short term. Expecting long term impact to the IT job market across the board as consumers lose their jobs and there's less demand for.. pretty much everything causing corporations to do less IT spend.
by arf30
Thu Mar 26, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Glacier cloud stoarge? Any experience?
Replies: 25
Views: 1743

Re: Amazon Glacier cloud stoarge? Any experience?

Glacier is for offline backups with hours long retrieval time, you probably want S3 One Zone-IA (infrequently accessed).
by arf30
Thu Mar 26, 2020 10:49 am
Forum: Personal Consumer Issues
Topic: Zoom, Skype or Google Hangouts for limited use?
Replies: 8
Views: 643

Re: Zoom, Skype or Google Hangouts for limited use?

I'm currently in a consulting role and most of our clients (large corporations) have switched to Zoom, it has the lowest friction for new users. You don't need to know much other than how to toggle mute/video and where the screenshare and chat buttons are.
by arf30
Sun Mar 22, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for better Checking Interest Bearing Account - Anyone have any experience with Simple
Replies: 14
Views: 939

Re: Looking for better Checking Interest Bearing Account - Anyone have any experience with Simple

Had an account there for the recent bonus - it's not a traditional bank interface, which some may like but I found incredibly confusing (and I'm a youngish IT professional). Would not want to be stuck using that as an everyday checking account.
by arf30
Fri Mar 20, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: [Work From Home] - What does your company pay for?
Replies: 83
Views: 4526

Re: WFH - What does your company pay for?

My company just sends out a laptop and the rest is up to you (although they did buy me a chair because I complained). It's easier to just negotiate a small salary increase every year than try to get them to pay your phone bill or decorate your home office.
by arf30
Fri Mar 20, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: What Happens To Your Battery When Your Car Is Parked For Weeks?
Replies: 90
Views: 4727

Re: What Happens To Your Battery When Your Car Is Parked For Weeks?

For years I haven't really needed a car - I've kept it running by driving it about 10-15 minutes per week, either by running an errand or just a quick run up and down the highway. No dead batteries, flat spotting or bad gas issues.
by arf30
Fri Mar 20, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Whole Foods food delivery via Amazon
Replies: 6
Views: 946

Re: Whole Foods food delivery via Amazon

We've been using WF delivery through Amazon for a few months and it's been much better than any other grocery delivery we've used, although not perfect. Availability/substitution of items has definitely dropped off due to the virus but it's happening to all grocery stores right now.
by arf30
Thu Mar 19, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13648

Re: Ally 1% bonus, up to $250

I had the same thing happen, opened the CD at 1.75% and funded immediately, the funds left my bank immediately but Ally held them on their side for 3-4 days, now the CD is funded but at 1.5%. Feels shady but with the rate cuts not much I can do about it (and the fine print mentions the rate is locke...
by arf30
Wed Mar 18, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Telework Problems: Home Office Chair Recommendation please
Replies: 13
Views: 1016

Re: Coronavirus Telework Problems: Home Office Chair Recommendation please

I had work get me a Steelcase Leap V2 for my home office after burning through various cheap chairs over the years.. it's worth spending money on a good chair.
by arf30
Mon Mar 16, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6553

Re: Take out food vs COVID 19

There's no way to know if the people who handled and delivered your food are infected, and service industry employees tend to fall into the category of "can't afford to miss work", so I'd be extra cautious.
by arf30
Sun Mar 01, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: My cost basis doesn't match what Vanguard has -- why?
Replies: 10
Views: 702

Re: My cost basis doesn't match what Vanguard has -- why?

Vanguard struggles with cost basis in my experience - you should contact them asap.
by arf30
Fri Feb 21, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217539

Re: Fidelity as a one stop shop

Gemini wrote:
Fri Feb 21, 2020 8:10 pm
Can one write checks from a brokerage account i.e. NOT CMA?
Yes
by arf30
Fri Feb 21, 2020 1:25 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 9844

Re: Has Vanguard deteriorated?

I don't know that they've deteriorated so much as just not kept pace with their competitors.
by arf30
Fri Feb 14, 2020 10:04 pm
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 10926

Re: Horrible Experience with Vanguard

skd wrote:
Fri Feb 14, 2020 9:41 pm
I did update my phone number, but that doesn't update it for the security code.
I agree with you there - it should be more clear.
by arf30
Fri Feb 14, 2020 7:05 pm
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 10926

Re: Horrible Experience with Vanguard

It sounds like Vanguard did exactly what they should have to keep your account secure - if anything it's on you for not keeping your phone number up to date.
by arf30
Thu Feb 13, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can you stack Sapphire Banking and You Invest bonuses?
Replies: 3
Views: 251

Re: Can you stack Sapphire Banking and You Invest bonuses?

I've had experience with other Chase banking bonuses, in one case they didn't award the bonus, in another case they pulled it back later on.
by arf30
Thu Feb 13, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can you stack Sapphire Banking and You Invest bonuses?
Replies: 3
Views: 251

Re: Can you stack Sapphire Banking and You Invest bonuses?

You can't stack them, Chase will disqualify you from one or both and/or claw back the bonus later on. What you can do is sign you and your spouse up to each get a bonus separately.
by arf30
Mon Feb 10, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 155
Views: 22722

Re: Chase Sapphire checking 1000$ offer

For those with any experience with doing this, what is the best/easiest way to close the account? Downgrade it to the basic checking account which has a $1500 minimum, pull out all money except $1500, then call, secure message, or go to a branch to the close the account and they'll give you the res...
by arf30
Sat Feb 08, 2020 8:49 am
Forum: Non-US Investing
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 24
Views: 8158

Re: Banking ATM card with no international ATM fees and foreign exchange fees

Schwab, Fidelity, and then Chase and Wells Fargo at the higher banking tiers. TD Bank Premier was a candidate until recently when they added a foreign transaction fee. BofA, Ally, Alliant, Capital One either don't refund internationally or have the FTF.
by arf30
Thu Feb 06, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 66
Views: 3995

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

Mine hit today as well. Was thinking about leaving the 20k in the savings account as it's still paying 1.88% but the interface is so clunky I'll probably pull it back to VG money market.
by arf30
Fri Jan 31, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Is it okay to install home monitoring cameras to watch elderly mom with dementia? What type to use?
Replies: 30
Views: 2807

Re: Is it okay to install home monitoring cameras to watch elderly mom with dementia? What type to use?

We've got Grandma's place rigged up with Nest cameras. They've got 2 way communication so we can talk to her if necessary and we do inform caretakers (and the cameras aren't hidden). In spite of this we've had to replace nurses who were caught on camera displaying bad behavior (sleeping, stealing, n...
by arf30
Wed Jan 29, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 174
Views: 16035

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

Doesn't look like it's rolled out to me on the web yet, can only put in a buy order for whole number of shares, no partial or dollar amount.
by arf30
Sun Jan 19, 2020 7:37 pm
Forum: Personal Investments
Topic: [Chase told me they can beat index funds]
Replies: 48
Views: 3928

Re: [Chase told me they can beat index funds]

Salesman compensation is tied to how much they sell - they're incentived to tell you whatever it takes to close the deal.
by arf30
Mon Dec 30, 2019 5:58 pm
Forum: Personal Investments
Topic: Daring to dream of Retirement - Portfolio Review Request
Replies: 5
Views: 433

Re: Portfolio with IBM 401k - Request for Health Check

You haven't included them here but the IBM 401k has Vanguard institutional class target funds (not the IBM target funds) - I would choose one of those and be done.
by arf30
Mon Dec 23, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

We ran cat6 to every room just in case, allowed us to hard wire the mesh WiFi system for better performance and a few other gadgets here and there. The TV antenna runs into a USB tuner so so need to wire for coax.
by arf30
Fri Dec 20, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Advice for getting an interview for IT jobs at Vanguard
Replies: 28
Views: 2349

Re: Advice for getting an interview for IT jobs at Vanguard

I've seen a couple resumes come across my desk from ex Vanguard developers lately, mostly Java/J2EE/Spring people. If you have that skillset it might be worth applying, unless they're reducing headcount or switching their tech stack.
by arf30
Sun Dec 15, 2019 4:12 pm
Forum: Investing - Theory, News & General
Topic: How to use limit orders / do I need limit orders?
Replies: 61
Views: 3527

Re: How to use limit orders / do I need limit orders?

In my limited (no pun intended) experience placing limit orders at or 1 cent below ask on VTI never seem to fill, so back to mutual funds I went.
by arf30
Thu Dec 12, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Check Cashing Business
Replies: 40
Views: 2321

Re: Check Cashing Business

I've read that the rise of prepaid debit cards (AMEX Bluebird, etc) have skimmed off the "top layer" of the unbanked, leaving the higher risk people who don't qualify for any banking services (or are avoiding them) remaining for check cashing and similar services to fight over.
by arf30
Wed Dec 11, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 10029

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

After Citi removed the price rewind feature (which was worth a few hundred per year) we've switched to the Fidelity 2% card as they send the cash back into your account automatically, vs Citi who requires you to log in and transfer (probably hoping people forget to do it). Also didn't like that our ...
by arf30
Fri Dec 06, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10327

Re: Why I love banks

It may not be as important to the Bogleheads demographic but local credit unions and banks have terrible online banking and mobile apps which is an instant turnoff for younger generations (mega CUs like Alliant are an exception). Shared branching is hit or miss as well - CU employees are often confu...
by arf30
Fri Dec 06, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Cable Cord Cutting more complicated than expected
Replies: 96
Views: 8128

Re: Cable Cord Cutting more complicated than expected

In my experience the secret to cord cutting is to use the most powerful streaming box in the ecosystem of your choice - that means skip the cheap sticks and smart TV software and get the Roku Ultra 4k, Apple TV 4k, Fire TV Cube, Nvidia Shield TV. Even on my 2019 Samsung Q90R the built in smart TV so...
by arf30
Thu Dec 05, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2019 Deluxe vs Premier
Replies: 15
Views: 1109

Re: TurboTax 2019 Deluxe vs Premier

Doesn't Premier have the stuff for handling stocks & bonds? Of course you can just go to the tax forms and edit the data in yourself, but not everyone knows how to do that.
by arf30
Tue Dec 03, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Neighbor still using driveway, shoveling path to their garbage
Replies: 40
Views: 2730

Re: Neighbor still using driveway, shoveling path to their garbage

I would smile and wave, say nothing, throw up a big sturdy fence as soon as possible, then act clueless if they bring it up. There's usually no advantage in being confrontational with neighbors.
by arf30
Mon Dec 02, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6658

Re: Airline overhead bins...do you think they're assigned?

In your situation I probably would have let the flight attendant handle things - however the airlines definintely love cramming too many people on a plane and putting their customers in situations where they have to fight over stuff like this.
by arf30
Sun Dec 01, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Gizmodo Ring Doorbell Article - Is Nest (Google) any better or is this the world we live in?
Replies: 19
Views: 1216

Re: Gizmodo Ring Doorbell Article - Is Nest (Google) any better or is this the world we live in?

We've got the Nest Hello and it's been pretty great at letting us know when people or deliveries show up. Also lets us disable the internal doorbell for times we know someone's coming and we don't want the dog barking. We didn't get it for security purposes so I can't comment on that aspect.
by arf30
Sat Nov 30, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union security?
Replies: 8
Views: 741

Re: Alliant Credit Union security?

I've noticed some sites have fake 2FA - TD Bank for example requires a code when logging in through desktop, but not through the mobile website. It's possible Alliant has a similar loophole and all they needed was your username and password.
by arf30
Wed Nov 27, 2019 6:42 pm
Forum: Investing - Theory, News & General
Topic: Amazon dumps Vanguard for Fidelity for it 401K plan
Replies: 22
Views: 4403

Re: Amazon dumps Vanguard for Fidelity for it 401K plan

I work at a Fortune 50 and Fidelity is custodian for the 401k/HSA/health benefits, they do a good job and Vanguard institutional funds are offered if you know where to look.