Search found 485 matches

by JLJL
Tue Sep 26, 2023 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Community charity best digital method to collect funds
Replies: 8
Views: 2560

Re: Community charity best digital method to collect funds

nonnie wrote: Wed Sep 20, 2023 3:09 pm Credit cards are definitely the way to go. Below are some ideas.

https://www.uschamber.com/co/run/financ ... nonprofits
Good information, thanks.
by JLJL
Tue Sep 26, 2023 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Community charity best digital method to collect funds
Replies: 8
Views: 2560

Re: Community charity best digital method to collect funds

Broken Man 1999 wrote: Wed Sep 20, 2023 11:43 am Despite your charity incurring a "swipe" fee, I would think accepting credit cards would appeal to the majority of people.

Personally I don't use Venmo or a check to donate to any charities, only a credit card.

Broken Man 1999
Thanks. Venmo charity charges 1.9% and $0.10 per transaction for all donations. Donors don't pay a fee if they use a credit card, for venmo charities the donor is exempt from the usual 3% fee for credit card -funded payments, so a pretty nice way to do it.
by JLJL
Wed Sep 20, 2023 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Community charity best digital method to collect funds
Replies: 8
Views: 2560

Re: Community charity best digital method to collect funds

bloom2708 wrote: Wed Sep 20, 2023 9:57 am Research a Venmo charity profile.

https://techcrunch.com/2022/10/03/venmo ... ithin-app/

I think you want to use an app like Venmo that has wide usage. Just one thought off the top of my head.

They do have a fee, but finding a good option with no fee might be difficult.

https://help.venmo.com/hc/en-us/section ... y-Profiles
Thank you. I've found another article from Dec '22 referencing this Venmo charity program with pro's/con's and alternatives. Looks like a good route to go and is PayPal backed so should be well supported.

Thanks for the response.

https://www.merchantmaverick.com/venmo-for-nonprofits/
by JLJL
Wed Sep 20, 2023 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Community charity best digital method to collect funds
Replies: 8
Views: 2560

Community charity best digital method to collect funds

Our community scholarship team runs mailer membership drives and fundraisers, and we still ask for payment via paper check.

I'm looking for recommendations on how to set up a digital payment process we can use on physical mail, email, social media that won't drain significant fees but is scalable for a program that takes in and gives out $100k-$300k per year (and obviously looking to grow those numbers).

Thank you
by JLJL
Mon Aug 17, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Of what use is an obsolete iPad?
Replies: 42
Views: 4463

Re: Of what use is an obsolete iPad?

Kenkat wrote: Mon Aug 17, 2020 8:56 am You could use it as a music player - basically an oversized iPod Touch.
haha double yes
by JLJL
Mon Aug 17, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Of what use is an obsolete iPad?
Replies: 42
Views: 4463

Re: Of what use is an obsolete iPad?

anoop wrote: Mon Aug 17, 2020 8:54 am Take the $30, or sell to local buyer for more on Craigslist if that is an option. If you hold on longer it will become worthless.

Companies that buy it can used it for parts. Many people just want a cheap machine they can give their kids (who will probably break it in short order) to play games.
haha yes
by JLJL
Mon Aug 17, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Of what use is an obsolete iPad?
Replies: 42
Views: 4463

Re: Of what use is an obsolete iPad?

I'm trying to decide whether to trade in an iPad 3, cellular. Works fine, replaced with newer. It can't upgrade past iOS 9, so won't run lots of apps. Apple offers $30, and a check of eBay shows about $100. I'm not going to sell privately, too much trouble, so it's $30 or put it on my shelf for reasons I can't fathom. The question: do obsolete iPads have any utility worth $30? Why does someone pay $30-100 for an obsolete iPad that literally won't run many apps nowadays? What do they use it for? I have an iPad 1 - literal first one that came out - that I use exclusively to run pandora via Bluetooth speaker. I can't do much else with it, sometimes the kids fight over it to play an old game where this pickup truck races up and down hills and ...
by JLJL
Mon Aug 17, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 6560

Re: USPS shipping: Caveat Emptor

It's amazing (partial pun!) what people expect nowadays. It wasn't too long ago that no one expected packages to take less than a month to get anywhere. And there was no such thing as tracking. I just ordered something 5 minutes ago and it will be at my house tomorrow, but won't come via USPS. My son sent some keys back to his college apartment (hasn't been there since March) via USPS with the tracking thing. The tracking said it got stuck. I suggested he call the property management company: Yep, they already had received his keys a week ago. I think the top managers are finding out that they cannot wave a magic wand and all their employees will instantly suck it up and meet their demands. This plays out over and over in every industry. I...
by JLJL
Fri Aug 14, 2020 8:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2120713

Re: U.S. stocks continue to soar!

Anyone else notice that even whispers of stimulus cause markets to 'soar' but when congress left town for the rest of summer without a bill the market barely wobbled? (GIF: not a political post)
by JLJL
Fri Jul 24, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: wait for new toyota sienna?
Replies: 44
Views: 4223

Re: wait for new toyota sienna?

I'm in the market for a new minivan with leather seating, leaning towards the Sienna XLE (highest rated in Consumer Reports). The 2021, a redesign which will be a hybrid, is coming out in a few months. Should I wait for it? I have a 2017 Sienna XLE AWD and love the thing. Unlike what someone mentioned above, the middle seats are easily removable and I can haul about five sheets of 3/4" plywood and still get the rear door shut. Anymore than that and the geometry of the center pillar between the front row seats and the angle of the door prevent the door from shutting all the way. It is the one major drawback the Sienna has compared to the Odyssey which I could haul a dozen sheets. Personally, if would buy a 2020 model if you find one. D...
by JLJL
Fri Jul 24, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: wait for new toyota sienna?
Replies: 44
Views: 4223

Re: wait for new toyota sienna?

White Oak wrote: Thu Jul 23, 2020 9:22 pm If it were me, I would wait. ~20 mpg versus ~30 mpg is a big improvement. There are a lot of improvements in creature comforts, as the old model is almost ten years old.

The one big downside is that the middle row isn't removable, which limits what you can haul.

We have an older Odyssey, and I'm hoping we can keep that going for another few years, at which point a used '21 Sienna would be on the short list.
wait... what?

Half the reason to get a van is so you can fit a 8x4 sheet of ply wood, or the like. This strikes me as crazy!
by JLJL
Fri Jul 24, 2020 10:33 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 139
Views: 16673

Re: Mosquitos! Mosquitos! Mosquitos!

As you live in NY, you can't purchase bifinthrin bifenthrin concentrate from domyownpestcontrol. However you can get the same thing in a pre made from amazon. https://www.amazon.com/dp/B01JIRH1K2/ref=emc_b_5_t Excellent stuff, been using it for years. Follow directions of course, proper personal protection etc. Kills way more than just the blood suckers. READ up on the habits of mosquitoes, where they like to "hang" out. Males suck on plants, females suck on blood and plants. They all hide upside down on the underside of leaves, thats what you spray. Spray the underside of gutters and overhangs. Underside of decks etc etc. When sitting out it helps a lot to have a fan blowing in your direction close to you, it blows your scent aw...
by JLJL
Mon Jul 13, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 8015

Re: FYI - Disney+

FYI - Disney +. Will have a filmed version of the broadway play “Hamilton” starting on July 3. Price is 6.99 a month. I just signed up and am looking forward to watching it. *** no I am not affiliated with Disney in any way. I am just excited to be able to see the play. Signed up on Friday just to see Hamilton. Excellent!!! Bravo. Note: I wanted to watvch it on our bug screen smart TV, but our smart TV would not work with it, nor our older Apple TV device (error 83 I think), so I bought a new chromecast, and cast the first half it from my Android phone. It also worked to the ChromeCaset device from my 2015 MacBook Pro if I used Chrome. That was a little nicer. We had this issue of older Smart TV and older Apple TV (needs to be 4th gen or s...
by JLJL
Thu Jul 02, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 10645

Re: Elementary school in Fall - choose Virtual or In-person

The American Academy of Pediatrics strongly recommends in person school and cites “ "mounting evidence" that transmission of the coronavirus by young children is uncommon, partly because they are less likely to contract it in the first place.“ https://www.npr.org/sections/coronavirus-live-updates/2020/06/29/884638999/u-s-pediatricians-call-for-in-person-school-this-fall Of particular note to me was the experience of YMCA child care centers in NYC caring for the children of essential workers: Throughout the pandemic, many child care centers have stayed open for the children of front-line workers — everyone from doctors to grocery store clerks. YMCA of the USA and New York City's Department of Education have been caring for, collec...
by JLJL
Wed Jul 01, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What are you paying for umbrella insurance?
Replies: 80
Views: 10892

Re: What are you paying for umbrella insurance?

$328/$1M 2 drivers 3 young kids no pool MD
by JLJL
Wed Jul 01, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: FYI - Disney+
Replies: 44
Views: 8015

Re: FYI - Disney+

I have caught up on the whole Star Wars series, as well. Disney+ also includes National Geographic and DH is enjoying the Marvel movies, in supposed chronological order. With Britbox, I paid for the whole year to bring down the monthly costs, but with Disney, I don't think we will keep it even close to 10 months. I would cancel after one month if it weren't for DH enjoying the Marvel movies. We got the deal (3yrs for $150), but it is not worth it for us. Even with two young kids, there is so little content that my kids don't really bother to go to it when the TV is turned on. They defer to Netflix/Hulu instead. I don't see us renewing when the 3yrs is up, and I have less than zero interest in Hamilton. Not our experience whatsoever. Betwee...
by JLJL
Tue Jun 30, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: Smell from kitchen sink?
Replies: 24
Views: 2642

Re: Smell from kitchen sink?

mroe800 wrote: Tue Jun 30, 2020 10:29 am
Mr.Chlorine wrote: Mon Jun 29, 2020 1:59 pm I've done baking soda and vinegar on a smelly garbage disposal before.
You are combining a base and an acid, effectively neutralizing one other. You want to use either baking soda or vinegar, but not both together.
But the fizzing is awesome
by JLJL
Tue Jun 30, 2020 9:55 am
Forum: Personal Consumer Issues
Topic: Job candidate sending messages via LinkedIn
Replies: 62
Views: 5290

Re: Job candidate sending messages via LinkedIn

Pomegranate wrote: Tue Jun 30, 2020 9:02 am
Ramjet wrote: Tue Jun 30, 2020 7:24 am Just don't respond to it, problem solved
OP represents the company. I faced the same situation before and answer ‘Thanks for reaching out. Unfortunately I can’t provide this info but encourage you te reach back to HR’ solved it. Just ignoring leaves a bitter taste
No reason for the candidate to even know OP is active on LinkedIn or have any kind of expectation that they correspond this way. Don't click their profile and they'll never know whether you even read the message. Candidates have an official contact for communication (HR or their recruiter etc).

Candidate broke protocol not OP.
by JLJL
Tue Jun 30, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: Smell from kitchen sink?
Replies: 24
Views: 2642

Re: Smell from kitchen sink?

Housedoc wrote: Mon Jun 29, 2020 5:01 pm Ice should do the trick. Also add some dishwasher powder to the disposal margarita!
I've gotta try this - sans umbrella. Wonder if the pods will work
by JLJL
Mon Jun 29, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Smell from kitchen sink?
Replies: 24
Views: 2642

Re: Smell from kitchen sink?

Cherry pits with water running work well to clean disposers. They do make a lot of noise though! It's the recommended method I read in my garbage disposer manual years ago. This is interesting, I've never heard of this. OP, #1) I keep a stylish painted mason jar of baking soda next to the hand and dish soap pumps on my sink (buy the large cereal box size quantity for only like $1 more than the small boxes of Arm & Hammer). A couple times a week just before I go to bed, I pour 1/4 cup or so into both drains (disposal side and drain side) and let it sit. It can just rinse the next day when the sink is used. This does a truly remarkable job of absorbing odors. I'll swear by it over anything else I've tried including whole chunks of citrus...
by JLJL
Fri Jun 19, 2020 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 389
Views: 88156

Re: Capital One is at it again

livesoft wrote: Thu Jun 18, 2020 2:27 pm I don't think Capital One is in the business of Rose Gardens.
They are a bank making money and they're juicing their money making by being opaque and underhanded. I'm not clutching my pearls in shock, but it does piss me off and I'm glad the forum has highlighted it.

Bogle/Vanguard diehards flocking to the honest and transparent providers. I don't think it's excusable what they do so despite the convenience I guess I'm going to work my way out.
by JLJL
Fri Jun 19, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 389
Views: 88156

Re: Capital One is at it again

CFM300 wrote: Fri Jun 19, 2020 12:05 am
02nz wrote: Thu Jun 18, 2020 11:56 pm You really don't see the difference?

Ally kept the rates competitive for existing money, and the $250 promo for new money made for an effective 5.5% APY, well above market rate. It sent emails to existing customers so they could get it, too.

Capital One dropped the rates to an uncompetitive level for existing customers, didn't tell them about it, also didn't tell them about the new account. If they opened the new account, they got a competitive rate, but no better.

You've twisted yourself into quite a pretzel defending Capital One but have yet to articulate any advantage from the consumer's perspective for Capital One's online savings product.
Yeoman's work right there. Thank you. :beer
+1
by JLJL
Thu Jun 18, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 389
Views: 88156

Re: Capital One is at it again

Capital One had my back when a computer company sent me a computer that would get the blue screen of death. It was beyond their 30 day return policy, and capital one used their muscle to get me every penny of that $8000 computer back. No restocking fee, nothing. I couldn't be happier with my Capital One experience. I can say that I have had other credit card companies change their due date, and perform all kinds of shady tricks. Capital One is one of the best for integrity and service, and if you want to go to some discount credit union for a better rate, by all means do so. Adjusting rates according to their own returns is anything but shady. They don't notify you they are reducing your interest rate. They don't notify you when there is a...
by JLJL
Thu Jun 18, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 389
Views: 88156

Re: Capital One is at it again

System1 wrote: Wed Jun 17, 2020 10:46 pm You have to switch over to their new "Performance" savings accounts for the best rate, the MM is no longer the best. Although this rate is not particularly high, 1.0 today. I moved mine 6 months ago or so.
Yup. I learned about this on here about a month ago (of course not from CapOne). Moved it at 1.5%, then 1.3%, now 1.0%. At least I got a couple weeks of the non-bonused 1.5% teaser rate.

Yes rates are dropping but this is joke-territory.
by JLJL
Thu Jun 18, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: When does purchasing Umbrella Insurance Coverage makes sense?
Replies: 108
Views: 8698

Re: When does purchasing Umbrella Insurance Coverage makes sense?

I've been thinking about this from time to time as well and yesterday pulled the trigger. A call to Geico (auto through them as was home which is serviced by travelers), and within about 15 minutes I had signed off on a $1M policy for $350. Took effect midnight last night.

Incidentally the coverage AMOUNT wasn't even discussed, it was just assumed to be $1M.

My $1M 20yr term life insurance costs about $1200/yr. That made me feel a bit unsettled seeing how much more likely it is that I DIE than get sued beyond current coverages.
by JLJL
Wed Jun 17, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 18583

Re: Should I sell my stash of dental floss now worth $3,000?

Tamales wrote: Tue Jun 16, 2020 7:23 pm Would be nice if the OP specified exactly what product.
This, maybe?
https://www.ecrater.com/p/34365180/list ... gIctvD_BwE
OP still hasn't confirmed the item as far as I can see. Perfect opportunity to 'pump the stock' but I guess we're keeping it anyway.

This is... $73.99 for a 2-pack! At least shipping is free and product is "brand new" haha
by JLJL
Wed Jun 17, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 48
Views: 5577

Re: chicken marinade recipes

Using fats are good. I like to do mayo, ranch, garlic and a chicken or pork rub seasoning overnight, then grill.

Really important to do a fatty marinade if you are grilling in terms of meat absorbing carcinogens. This comes out really tender and doesn't taste like mayo/ranch, just a great medium for managing the cook.
by JLJL
Tue Jun 16, 2020 12:58 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 18583

Re: Should I sell my stash of dental floss now worth $3,000?

researcher wrote: Tue Jun 16, 2020 12:55 pm
Caduceus wrote: Tue Jun 16, 2020 11:22 am I have a stash of dental floss from Listerine that apparently has been discontinued as of earlier this year.
they are selling now (actual sold prices, not just listed prices) for about $25 per pack.
$3000/$25 = 120 packs
120 packs x 150 feet/pack = 18,000 feet

If you floss EVERY DAY and use 1 ft of floss each time, you have enough to last you nearly 50 years.

I'm afraid to ask how much toilet paper you have hoarded!
haha love how you Caps Lock EVERY DAY like that is obscene usage :D
by JLJL
Tue Jun 16, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 18583

Re: Should I sell my stash of dental floss now worth $3,000?

Sell. Learn to like Oral-B or another brand. :happy I did something similar (on a smaller scale) when Bounce discontinued their dryer bars. My family disliked them. I had a few packages that I hadn’t gotten around to throwing away. I was astonished to read they were selling on eBay for around $50 a pack IIRC. Easy couple hundred dollars... It's not the brand that matters. I can't find any woven floss out there - floss that's made like cloth instead of those horrible plasticky material. This is really great for gums and cleans really well. I think it would be super-duper-ultra dumb for Listerine to stop producing it. There's a devoted cult following out there to this floss. Mind me asking specifically what listerine floss item this is? I'm ...
by JLJL
Tue Jun 16, 2020 11:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2120713

Re: U.S. stocks continue to soar!

RayKeynes wrote: Tue Jun 16, 2020 10:45 am
Stef wrote: Tue Jun 16, 2020 10:38 am
firebirdparts wrote: Tue Jun 16, 2020 10:34 am Now it's looking like a double reversal
Intraday chart now looking like the YTD chart lol.
Todays daily Chart will predict the future until 31.12.2020. Lets see. 8- :sharebeer

Image
This is getting eerie
by JLJL
Tue Jun 16, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 123
Views: 18583

Re: Should I sell my stash of dental floss now worth $3,000?

120 dental flosses? Haha that is quite a personal stash I thought you were going to say you are a retailer of some sort.

Of course sell them! You can be like the hand sanitizer storage unit guy but without the downside of being an absolutely horrible person.

I remember when you were never going to be able to get Twinkies again. Not sure what saved them but we have them in our pantry (much to my chagrin). I'm betting the product comes back.
by JLJL
Tue Jun 16, 2020 8:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2120713

Re: U.S. stocks continue to soar!

Fed buying corp bonds, talk of infrastructure program, retail sales stomped predictions, a new life-saving COVID treatment. Where else to go but up!?

Oh and don't forget, super cheap used cars from Hertz!!!
by JLJL
Mon Jun 15, 2020 1:49 pm
Forum: Forum Issues and Administration
Topic: Coincidence - or is somebody reading this forum?
Replies: 11
Views: 3290

Re: Coincidence - or is somebody reading this forum?

...plagiarism... is a dish best served cold?

I greatly prefer your usage/analogy though... having already run off the cliff and just staring at the audience wide-eyed waiting for the drop :D

If it's stolen, they forgot to steal the meaning.
by JLJL
Fri Jun 12, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 5493

Re: caulk puncture tool ?

indexfundfan wrote: Fri Jun 12, 2020 3:14 pm I would return it. It is too inconvenient to have to get a separate tool.
I'm having a hard time believing it... I don't have much of a life so I looked up all the online ratchet calking guns on lowes to see if this stranger is able to make a puncture in his tube (better than a small hole in his calk) :D and even the bare bonesest models have a puncture pin.
by JLJL
Fri Jun 12, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 5493

Re: caulk puncture tool ?

I'm going to go with... are you 100.00% sure there is no puncture pin on that gun? Tucked underneath or on the side? (Sorry, yes I'm THAT guy)
by JLJL
Fri Jun 12, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 5493

Re: caulk puncture tool ?

Kagord wrote: Fri Jun 12, 2020 2:49 pm Who wants to gunk up their handle/caulk gun, I recommend the Professional Caulk Puncture/Starter System, Model 3100, this is the 240V model, made by Binford Tools.
my mom would say "quit razzing me you guys"
by JLJL
Fri Jun 12, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Buy or Rent / Move or Stay (NJ/PA)
Replies: 10
Views: 1224

Re: Buy or Rent / Move or Stay (NJ/PA)

You say you have $0 cash savings. Does that mean investible cash, or literally no cash including emergency fund? Is corporate piloting pretty secure these days? I wouldn't feel comfortable with no cash, although I suppose some of your Roth money is accessible without penalty at this point? One really needs more than just a down payment of cash on hand to buy a house. As you say, there are many costs of ownership and being cash poor is dangerous and just feels awful. I doubt you'll find many responses here that advocate for withdrawing retirement savings for a house down payment that you haven't been able to save for. My strongest feeling about all your questions though would be that I would not consider a 30-45 minute traffic commute for a ...
by JLJL
Fri Jun 12, 2020 6:35 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652624

Re: U.S. stocks in free fall

sailaway wrote: Thu Jun 11, 2020 7:35 pm
stocknoob4111 wrote: Thu Jun 11, 2020 7:33 pm
calvin+hobbes wrote: Thu Jun 11, 2020 7:19 pm I disagree. In the big, long-term picture, I don't think tomorrow is going to mean much at all.
in the long term it doesn't matter, but I think this thread is not about long term... in the long term the stock market is going to be UP based on the 100 year trend so that isn't much to discuss.
This thread is about tiggers!

Their tops are made out of rubber
Their bottoms are made out of springs!
They're bouncy, trouncy, flouncy, pouncy
Fun, fun, fun, fun, fun!
haha... bouncin' is what tiggers do best!
by JLJL
Fri Jun 12, 2020 6:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652624

Re: U.S. stocks in free fall

. All aboard! Yeeeee hawwwww! What is in this truck that you are backing up? Cash that was on the sidelines? Selling bonds to buy stock (rebalancing, or changing AA?) periodic investment from recent paycheck? Just curious what actual action you guys are taking. All of the above! How do you end up with cash on the sidelines if you "back up the truck" every time the market drops a little? Do you not empty it when you back it up? Someone who saw Friday the 5th as over-exuberance may have offloaded their goods at peak prices. They would have been compelled to 'back the truck up' yesterday and buy them back at quite a discount. Other than that, everyone fully invested at their target AA would, at best, be able to head to the market wi...
by JLJL
Thu Jun 11, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Craigslist and "drop off" the item
Replies: 12
Views: 1603

Re: Craigslist and "drop off" the item

I'm selling a massive extension ladder right now and delivery is not an option. Of course, when I bought it, delivery was mandatory! Hence why I bought it from a place that supported delivery of a 15' long 50lb item. I have negotiated meeting points. My favorite is our public library which is a 2 minute walk through the woods behind my house ;) and adds a couple layers of safety-peace-of-mind, and would probably prevent someone looking to 'crime' you from agreeing to the transaction. I agree with another post... if it were an item I could deliver and they needed me to do so in order to buy and they weren't far, I would. I don't really sell on craigslist to 'make money'. I love it when I either buy or sell an item for 50% of the NEW selling ...
by JLJL
Thu Jun 11, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652624

Re: U.S. stocks in free fall

JD2775 wrote: Thu Jun 11, 2020 10:25 am
JD2775 wrote: Thu Jun 11, 2020 10:17 am Really dumb question but here goes...

If I purchase VTSAX today, debited from my bank account (says it takes 2 days), do I get today's price? Or whenever it actually processes?
Googled this and got my answer. Just purchased some VTSAX :sharebeer
Was the answer that you get the close price for today if you transact before 4pm EST?

I've read some people wait till about 3:30 or 3:45 to have better view of the price they'll get.
by JLJL
Fri May 29, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 3558

Re: Is Capital One 360 bank account OK?

I believe the $450 bonus for existing customers was discussed here: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=313277 Thanks for sharing. This answered my question... my specific circumstances exclude me. What a needle to have threaded. Not for HYSA existing customers if this is the offer: https://www.capitalone.com/score500/?external_id=360B_MM_SEM_71700000066042767GOOGLE58700005830532885_43700053298118861&gclid=Cj0KCQjwhZr1BRCLARIsALjRVQP3rFKGlNhMIx9dngI21RG_SknT1QI5Y5zhEwaa8SQJ2oHw-KA3n04aAvGZEALw_wcB&gclsrc=aw.ds Open a 360 Performance Savings account between 12:00 a.m. ET on April 16, 2020, and 11:59 p.m. ET on May 31, 2020. When you open your account, enter your promotional code—SCORE500. If you have or had an o...
by JLJL
Fri May 29, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 3558

Re: Is Capital One 360 bank account OK?

No bonuses for existing customers either obviously. Those were paid for by existing customers' slippery sliding savings rates over time. Not true. I was emailed a few weeks ago. The offer was to add $50,000 to my performance savings by 5/31, keep for 2 months, and earn $450. Not quite as good as the new customer offer, but not bad either. You could also only add $20,000 and earn $150 or something similar. Wow, I did not receive this offer. Were you already a "Performance Savings" customer? I didn't have that, just a legacy savings account. I opened the Perf Savings account on May 11. When did you receive this offer? Yes, I was already a performance savings customer. Like others, I was ticked to see they created that without telli...
by JLJL
Fri May 29, 2020 9:59 am
Forum: Personal Investments
Topic: Lump sum vs Dollar Cost Averaging during volatile market
Replies: 36
Views: 2582

Re: Lump sum vs Dollar Cost Averaging during volatile market

livesoft wrote: Fri May 29, 2020 9:51 am
JLJL wrote: Fri May 29, 2020 9:46 am..., you need to know that you really should watch the markets daily to see how they are moving, so you can do the transaction toward the end of the trading day, before 4pm the day of the bad stuff happens.

[...]

This strategy will potentially have you watching markets constantly and daily and ...
There is absolutely no need to watch the markets daily for a big drop because one can tell their broker to alert one via text or e-mail when there is a big drop. So one can blissfully live life unaware that a big drop has happened until they get the text message or e-mail indicating that. Of course, it does means that one has a cell phone and that the cell phone is turned on in an area where there is a cell signal.
and a broker haha
by JLJL
Fri May 29, 2020 9:46 am
Forum: Personal Investments
Topic: Lump sum vs Dollar Cost Averaging during volatile market
Replies: 36
Views: 2582

Re: Lump sum vs Dollar Cost Averaging during volatile market

It doesn't matter what you do, but if this was a day like March 16, 2020, then I surely would have lump-summed it in on that. Did you have the cash on March 16? Or March 18? Or April 1? <snip> Agreed. Caution though that In deploying this strategy which could be a good one to combat regret (can't fault myself for buying after such a historically bad day), you need to know that you really should watch the markets daily to see how they are moving, so you can do the transaction toward the end of the trading day, before 4pm the day of the bad stuff happens. Buying index/mutual funds will transact at the close price for that day (or Monday close if you trade after 4pm on Friday). So if Monday the 16th drops 3000 pts but you make the trade that ...
by JLJL
Thu May 28, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 3558

Re: Is Capital One 360 bank account OK?

GlennK wrote: Thu May 28, 2020 1:53 pm
JLJL wrote: Thu May 28, 2020 1:37 pm

No bonuses for existing customers either obviously. Those were paid for by existing customers' slippery sliding savings rates over time.
Not true. I was emailed a few weeks ago. The offer was to add $50,000 to my performance savings by 5/31, keep for 2 months, and earn $450. Not quite as good as the new customer offer, but not bad either. You could also only add $20,000 and earn $150 or something similar.
Wow, I did not receive this offer. Were you already a "Performance Savings" customer? I didn't have that, just a legacy savings account. I opened the Perf Savings account on May 11. When did you receive this offer?
by JLJL
Thu May 28, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 3558

Re: Is Capital One 360 bank account OK?

I've had accounts there since they were ING direct - no issues, easy to use interface/ap I have savings accounts at Capital One and Barclays. No problems with either. As another user mentioned, there are threads about Cap. One if you want to check those out. It seems they're not as transparent as other banks with notifications about rate decreases. But I think their decreases/increases in rates are consistent with other banks. Rates are going down pretty much everywhere right now. Be careful though. If you have older savings accounts with them make sure you go look at them. Legacy CapOne savings accounts are at (or maybe below) 0.5% right now as they've been dropping it over time. As an existing customer you literally have to go in and sig...
by JLJL
Fri May 22, 2020 2:15 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 152
Views: 17679

Re: Is Vanguard's Personal Advisor Service Worth It???

Similar to rockAction we have put a small portion of our portfolio into PAS. As rockAction has found, PAS includes our entire portfolio into the retirement calculations so the benefits extend beyond the limited funds that it currently manages. But here's our main rationale - the last thing that I want when I'm no longer around (no worries I'm fine now) is for my spouse to have to fend off calls from brokers and their "hot" investment ideas. Like many people, managing investments is not something that she would enjoy. We have already established an AA and risk tolerance that would be applicable for the entire portfolio and the future. So at the right time, it's a simple task to slide the entire portfolio into the PAS account and i...
by JLJL
Fri May 22, 2020 11:44 am
Forum: Personal Investments
Topic: I freaked out…now what?
Replies: 60
Views: 7030

Re: I freaked out…now what?

In summary, I'm near retirement(60) and have 900K that I need to get back in the market. 80% of it pretax. In my mind I need to pick a date and start cost averaging back in (w/3 fund approach). Somehow that date is still somewhere in October for me or at least at some major downturn. If anyone has a better idea I'm all ears. Thanks for the feedback. You have about 700k in pre-tax money, retirement vehicles, and $200k in taxable. Let's assume that taxable is all on top of a secure emergency fund, which in your case is critical since you are losing your job? A rhetorical question... is it harder for you to see losses in that taxable money? It shouldn't but for me I mentally account for those dollars differently than my pretax money, even tho...
by JLJL
Fri May 22, 2020 5:57 am
Forum: Forum Issues and Administration
Topic: Support the site through Amazon?
Replies: 23
Views: 3220

Re: Support the site through Amazon?

KyleAAA wrote: Thu May 21, 2020 6:54 pm Snip
Thanks Kyle, makes sense