Search found 4718 matches

by DaftInvestor
Wed Nov 13, 2019 9:05 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3381

Re: Ally savings rate changing

We’re talking an insignificant amount of money in interest for most. Have to remind myself of that whenever I get upset from a 10 basis point drop. I can skip a dinner out once and make up the difference. But Ally is consistently been lower than Marcus (and when it was gsbank and ge) and synchrony ...
by DaftInvestor
Wed Nov 13, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 35
Views: 2663

Re: Employer requesting increased travel

When I started traveling more for work (going back many years when I did work out of an office) I started working from home more often when not traveling. If you are on the road for several days no one should fault you from working from home (provided you can do so efficiently) when you return. That...
by DaftInvestor
Tue Nov 12, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3381

Re: Ally savings rate changing

We’re talking an insignificant amount of money in interest for most. Have to remind myself of that whenever I get upset from a 10 basis point drop. I can skip a dinner out once and make up the difference. But Ally is consistently been lower than Marcus (and when it was gsbank and ge) and synchrony ...
by DaftInvestor
Tue Nov 12, 2019 8:21 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate changing
Replies: 25
Views: 3381

Re: Ally savings rate changing

If you want a better rate - don't stick with Ally. Many choices out there for better rates.
by DaftInvestor
Tue Nov 12, 2019 8:15 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 11040

Re: Saving seats on Southwest

My solution is simple. I don't fly SouthWest - especially if I am traveling with my family.
by DaftInvestor
Fri Nov 08, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: How bad business travel is?
Replies: 61
Views: 4670

Re: How bad is business travel?

10% with mostly only 90 minutes of travel time is nothing (but I've had 75 - 90% travel for parts of my career - with world-wide travel at times :) ) In my mind its when I have to travel that is more important. At one job I was traveling a lot to Europe and Asia on business and didn't like that as I...
by DaftInvestor
Fri Nov 08, 2019 2:42 pm
Forum: Personal Investments
Topic: 529 plan with State Tax deduction
Replies: 18
Views: 626

Re: 529 plan with State Tax deduction

I'm perhaps part of the many...but until 2 years ago in my state, we got zip for investing in a 529. Now, with 2 kids in college, I invest the max where I can get anything in tax advantage ....$2k a year. I literally put it into Fidelity....wait till it settles....and then ach it back to myself. I'...
by DaftInvestor
Fri Nov 08, 2019 10:25 am
Forum: Personal Investments
Topic: 529 plan with State Tax deduction
Replies: 18
Views: 626

Re: 529 plan with State Tax deduction

I believe that Michigan allows a $5,000 deduction ($10,000/couple). I know that people that said not to over fund a 529 because the money may be used on education related expenses or you will pay the tax plus a 10% penalty. 3 Reasons Not to select a 529 Plans: 1) Limited investment options. The big...
by DaftInvestor
Fri Nov 08, 2019 10:24 am
Forum: Personal Investments
Topic: 529 plan with State Tax deduction
Replies: 18
Views: 626

Re: 529 plan with State Tax deduction

Can you please let me know why I should be investing into 529 plans ? Reasons to Invest: 1) 20+ Years of Tax-free Growth on your money. Other than retirement accounts - there are few opportunities equal! 2) A State-Tax deduction for you! 3) Plenty of low-cost plans to choose from (I don't know why ...
by DaftInvestor
Fri Nov 08, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: visiting Maine in November
Replies: 27
Views: 1867

Re: visiting Maine in November

In addition to the Farnsworth in Rockland (which I also HIGHLY recommend) there is also a Modern Art musuem that is interesting (if you like art - https://cmcanow.org/). Its a little further drive but if you are into old cars and such the Owl's Head transportation museum is a hidden gem (in my opini...
by DaftInvestor
Thu Nov 07, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: The hidden cost of Fidelity’s ZERO funds
Replies: 66
Views: 5586

Re: The hidden cost of Fidelity’s ZERO funds

Thanks to nisiprius for pointing out the true facts.

This article seems to simply be yet another Vanguard-Fan's attempt to de-throne Fidelity's win in having the lowest ERs.
by DaftInvestor
Thu Nov 07, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1903
Views: 198370

Re: U.S. stocks continue to soar!

TaxingAccount wrote:
Thu Nov 07, 2019 11:36 am
DaftInvestor wrote:
Thu Nov 07, 2019 9:49 am
Looks like it will be another great day to be invested in the stock market!
If you have a balanced portfolio you lost money today.
1) The day's not over
2) This thread concerns the stock market so your statements isn't relevant to this thread :)
by DaftInvestor
Thu Nov 07, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)
Replies: 113
Views: 14254

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

For those that took advantage of this offer - as FYI - my bonus was deposited yesterday.
by DaftInvestor
Thu Nov 07, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Using credit cards -international travel
Replies: 17
Views: 698

Re: Using credit cards -international travel

I have read when traveling internationally, it is best to have the merchant charge in the local currency rather than US Dollars, assuming your credit card does not charge a transaction fee. Does the merchant have to honor this request, and if so what if any leverage do I have? Thank you. Actually i...
by DaftInvestor
Thu Nov 07, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Maximize 1 Day at Disney
Replies: 48
Views: 2668

Re: Maximize 1 Day at Disney

In addition to what others said - book a character lunch or breakfast if your kid is into the characters - its far easier to get pictures with them during these times (and its a nice break with a decent meal) versus waiting in line with others out in the park. Unless something has recently changed -...
by DaftInvestor
Thu Nov 07, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Did my SIM card / cell phone get hacked?
Replies: 9
Views: 1030

Re: Did my SIM card / cell phone get hacked?

Probably spoofing as mentioned above.
I'd think about the FOUR numbers involved (you, wife, wife-friend who received, your friend who received) and who you know that has all 4 of those numbers (and whether they owe you a prank or have a reason for a grudge).
by DaftInvestor
Thu Nov 07, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 1855

Re: What car fits comfortably 3 adults with luggages?

Thanks for all the opinions. I made up my mind and booked a minivan through Costco car rental portal (Enterprise). After all, it is just $89 for my peace of mind and their ultimate comfort (which is important to me). Good choice! I once picked folks up at the airport and brought a small cooler with...
by DaftInvestor
Thu Nov 07, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1903
Views: 198370

Re: U.S. stocks continue to soar!

Looks like it will be another great day to be invested in the stock market!
by DaftInvestor
Thu Nov 07, 2019 9:47 am
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1993

Re: ESPP and RSUs

investor997 wrote:
Wed Nov 06, 2019 12:24 am
OP here. I verified there are no trading restrictions and liquidated all of the ESPP shares today. The proceeds will be reinvested into index funds shortly. I feel like a weight's been lifted off my shoulders.
Congratulations. Rinse/Repeat - take the extra income.
by DaftInvestor
Tue Nov 05, 2019 2:32 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1993

Re: ESPP and RSUs

Thanks everyone for your responses. I think it was I needed to hear to help make an informed decision. The only thing I need to make certain of now is whether or not I'm not subject to any sort of insider trading window. This is a great question - just because you are NOT one today doesn't mean you...
by DaftInvestor
Tue Nov 05, 2019 1:42 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1993

Re: ESPP and RSUs

Thanks everyone for your responses. I think it was I needed to hear to help make an informed decision. The only thing I need to make certain of now is whether or not I'm not subject to any sort of insider trading window. This is a great question - just because you are NOT one today doesn't mean you...
by DaftInvestor
Tue Nov 05, 2019 1:37 pm
Forum: Personal Investments
Topic: ESPP and RSUs
Replies: 35
Views: 1993

Re: ESPP and RSUs

You will get a tax benefit if you hold onto your ESPP shares for one year after purchase. In my opinion, that’s not even close to compensating for the idiosyncratic risk you must bear over that period. Sell everything as soon as you vest. +1 - don't let the tax-dog wag the total-return-tail. If you...
by DaftInvestor
Tue Nov 05, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Working from home vs in the office
Replies: 22
Views: 1831

Re: Working from home vs in the office

Does it have to be one or the other? If you opt to work from home do you lose your ability to go into the office twice a week? In my opinion the time is worth more than the free meals. Working from home for me (having dumped a 45 minute to hour commute) allows me to opt to work more hours (and be mo...
by DaftInvestor
Mon Nov 04, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Paying a contractor in cash
Replies: 48
Views: 1594

Re: Paying a contractor in cash

I would take the 5% discount and let him know you would be paying via cashier's checks for the discount (since they are pretty much the same as cash). A cashier's check won't bounce the way a personal check might - which is why I would assume he is giving the discount. If he doesn't give the discoun...
by DaftInvestor
Mon Nov 04, 2019 4:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1903
Views: 198370

Re: U.S. stocks continue to soar!

Days like today make me recall friends, and some posters here in Bogleheads land, that stated 2 or 3 years ago they were pulling out of the stock market since there was surely a big crash coming soon that they wanted to buy back into. It's been a nice run-up I am surely glad I haven't missed.
by DaftInvestor
Thu Oct 31, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 24668

Re: IT compensation comparison

What about software sales? I didn't really see it mentioned but the salary packages in this field are insane. I just recently took the leap from IT architect at MegaCorp to software sales and doubled my salary/package. I'm more on the technical side, some of the full on sales teams/account director...
by DaftInvestor
Tue Oct 29, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: IT compensation comparison
Replies: 269
Views: 24668

Re: IT compensation comparison

What about software sales? I didn't really see it mentioned but the salary packages in this field are insane. I just recently took the leap from IT architect at MegaCorp to software sales and doubled my salary/package. I'm more on the technical side, some of the full on sales teams/account director...
by DaftInvestor
Mon Oct 21, 2019 3:22 pm
Forum: Personal Investments
Topic: High income earner waiting for a bear market to start investing
Replies: 119
Views: 12084

Re: High income earner waiting for a bear market to start investing

Agree with others - no need for the car loans. I have no outstanding loans and my score is still in the 800's (dropped insignificantly when mortgage was paid off). Also - with your income I am not sure why you even care about your credit score. We are not in a bubble. You can wait for another 30% ru...
by DaftInvestor
Mon Oct 21, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: GPS to stop working on older phones Nov 3?
Replies: 25
Views: 3611

Re: GPS to stop working on older phones Nov 3?

So you have a phone produced between 2006 and 2016. They are no longer going to provide GPS updates to your phone so your GPS will lose accuracy in navigation. If you use your navigation often, obviously this will be a problem for you and you will need to upgrade. If you don't use your GPS, it will...
by DaftInvestor
Fri Oct 18, 2019 6:23 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 381
Views: 40316

Re: Best CD rates thread

What are 3 to 5 banks and credit unions that consistently offer high CD rates and allow to move money among them relatively easily? One other criteria for me is that the CDs don't auto renew. Right now Ally and Alliant are the only ones I'm aware of that have this option. Life gets busy--when a CD ...
by DaftInvestor
Fri Oct 18, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Buying new iPhone from: locked or unlocked?
Replies: 6
Views: 886

Re: Buying new iPhone from: locked or unlocked?

I'm probably going to order a new iphone 11 pro directly from the apple website. is there any reason not to get the unlocked and sim free version? this way if i decide to leave verizon (current carrier) at some point, i won't have to deal with unlocking it in the future...? if i do buy it unlocked ...
by DaftInvestor
Tue Oct 15, 2019 6:37 am
Forum: Personal Consumer Issues
Topic: Recommendations for framing a large photograph
Replies: 12
Views: 920

Re: Recommendations for framing a large photograph

I have used https://www.arttoframe.com/
Great results, lots of options, and well shipped I don't know how pricing might measure up though but take a look.
It might be just as expensive as the site you are looking at - I don't know.
by DaftInvestor
Mon Oct 14, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Seiko Watch
Replies: 37
Views: 3675

Re: Seiko Watch

I have thought about getting one of the sub-$100 automatic mechanical Seikos. I had one and grew to resent it due to the anemic power reserve (it was a winding spring mechanism). So if I wanted to leave the watch behind for a weekend I'd be forced to "charge" it and then re-set it. So I'd end up we...
by DaftInvestor
Mon Oct 14, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6202

Re: Frustrated with dentist fees

It depends on the contract. If the contract says a participating dentist can only get what the insurance is paying, then that is the end of the payment; otherwise, you owe the amount. I did not understand why dentists do not follow same rules as other medical doctors . Are there any dentists who wi...
by DaftInvestor
Mon Oct 14, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on dry cleaning?
Replies: 27
Views: 1509

Re: How much do you spend on dry cleaning?

retiredjg wrote:
Mon Oct 14, 2019 7:00 pm
Is it possible to clean a man's suit without dry cleaning?
Not that I am aware of - not a real suit anyway. I am guessing everyone responding with $0 simply don't wear suits.
by DaftInvestor
Mon Oct 14, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on clothing?
Replies: 38
Views: 2614

Re: How much do you spend on clothing?

On average $450 monthly.
Not sure how two professionals with 2 kids stay under $2500 (and look good) but maybe I just don't know how to shop.
by DaftInvestor
Mon Oct 07, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 3837

Re: Kayaking & Fisherman - What is proper etiquette?

As a side-note: Use care when Kayaking on the Maine Coast. Lobster Boat captains refer to Kayaks as "Speed Bumps" :)
by DaftInvestor
Sun Oct 06, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 5598

Re: At wits end with mortgage company issues

You made mention of a "check". Do they have online payment options? With my mortgage I found the online payment allowed me to designate transfers exactly how I wanted them allocated without error (possible your company doesn't allow this). When you mail in a check you are relying on a person to dec...
by DaftInvestor
Sat Oct 05, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 5598

Re: At wits end with mortgage company issues

You made mention of a "check". Do they have online payment options? With my mortgage I found the online payment allowed me to designate transfers exactly how I wanted them allocated without error (possible your company doesn't allow this). When you mail in a check you are relying on a person to dec...
by DaftInvestor
Fri Oct 04, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: At wits end with mortgage company issues
Replies: 74
Views: 5598

Re: At wits end with mortgage company issues

You made mention of a "check". Do they have online payment options? With my mortgage I found the online payment allowed me to designate transfers exactly how I wanted them allocated without error (possible your company doesn't allow this). When you mail in a check you are relying on a person to deci...
by DaftInvestor
Tue Oct 01, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1720

Re: Uber in foreign countries

Last year I needed an Uber for Mumbai hotel to the airport. The price on my app was almost twice the amount on the hotel staff Local uber app. That's very interesting. I have used Uber overseas a lot and was not aware that this could happen, but it makes sense - Uber is the master of price discrimi...
by DaftInvestor
Tue Oct 01, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1720

Re: Uber in foreign countries

Last year I needed an Uber for Mumbai hotel to the airport. The price on my app was almost twice the amount on the hotel staff Local uber app. That's very interesting. I have used Uber overseas a lot and was not aware that this could happen, but it makes sense - Uber is the master of price discrimi...
by DaftInvestor
Tue Oct 01, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1720

Re: Uber in foreign countries

Thanks for the responses on the foreign currency. I have used Uber in Mexico and Brazil and thought it was cheap. I don't know what the locals were paying. In Rio I did have an Uber driver pull up and tell me that he couldn't drive me for the fare in the app because it was raining and he needed mor...
by DaftInvestor
Tue Oct 01, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8431

Re: Scam Alert - Verizon Wireless

That all said I believe this topic (SCAMS) isn't allowed here. Looking at the Forum Policies I don't see it prohibited - but I remember it mentioned as being un-allowed in the past. I changed the title for you. Sure - that's a different topic entirely :? Personally I don't care - just letting you k...
by DaftInvestor
Tue Oct 01, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8431

Re: Scam Alert - Verizon Wireless

That all said I believe this topic (SCAMS) isn't allowed here. Looking at the Forum Policies I don't see it prohibited - but I remember it mentioned as being un-allowed in the past. I changed the title for you. Sure - that's a different topic entirely :? Personally I don't care - just letting you k...
by DaftInvestor
Tue Oct 01, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 8431

Re: Scam Alert - Verizon Wireless

Simple answer to all of these scams. Do NOT answer your phone and start talking to folks incoming calls. If you get a message from "Verizon" or whomever - don't call them back on any number they leave. If you aren't sure it is SCAM or not - call the 1-800 number on the company's website or the one p...
by DaftInvestor
Mon Sep 30, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Midtown NYC Hotel w/ Kids?
Replies: 17
Views: 1877

Re: Midtown NYC Hotel w/ Kids?

Since you want to use Bonvoy (Marriott) points there are about a dozen different Residence Inn, Springhill, Fairfield, and Courtyard properties that you could look at. I'd avoid the Marquis in Times Square (very over-crowded at the hotel not just Times Square). Personally we like to be close to Bro...
by DaftInvestor
Mon Sep 30, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA question (It's FAFSA season again!)
Replies: 31
Views: 1936

Re: FAFSA question (It's FAFSA season again!)

We filled out FAFSA once for our first child entering college - it turned out it was a waste of time. Thereafter I simply asked every school the kids were interested in if FAFSA was required for Merit Scholarship - the answer was always no. (sounds like others may have had different experiences) so ...
by DaftInvestor
Mon Sep 30, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: How Do You Like My New 'Doo
Replies: 220
Views: 46413

Re: How Do You Like My New 'Doo

^ Thanks for taking the time to share all the above. The HY-Bonds seems to be one of the controversial areas here on Bogleheads. Sorry if I may have missed your views in another thread - but can you explain a bit more on what buying HY Bonds is getting you? The argument here always seems to be if yo...
by DaftInvestor
Mon Sep 30, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6541

Re: Do you know what your partner spends money on?

We have joint accounts on everything. Back when we tracked spending (eventually we came to the conclusion it was a waste of time) we were using Quicken so all of our income and expenses where in one place with lots of great reporting, etc. I used to make the joke that we work well together with mone...