Search found 4452 matches

by DaftInvestor
Fri Jun 21, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2136

Re: Experience with Synchrony savings accounts?

Does anyone have any experience with Synchrony bank savings accounts? They claim a nice high yield savings, 2.25%. I am thinking in terms of savings account only. Why bother with Synchrony when Ally is overwhelmingly the online bank of choice used by most on these forums? Yeah, Synchrony's online s...
by DaftInvestor
Fri Jun 21, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: My TERM life insurance policy
Replies: 10
Views: 1222

Re: My TERM life insurance policy

Just trying to gauge if I got a good deal. I picked my policies from term4sale. I went with a laddered plan, so that policies will fall off as I become more financially independent/self-insured. I'm 32, non-smoker, no medical conditions or major risk factors. I have a family and am a high-income pr...
by DaftInvestor
Fri Jun 21, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2136

Re: Ally or Synchrony or other for savings?

I've had Ally for a few years, no problems....transfers take a day or two. My experience was 3 or 4 days (thus I'm no longer with them). Their own web-site states 3 business days: From https://www.ally.com/help/bank/transfers.html you will see: Standard transfers between Ally Bank and non-Ally Bank...
by DaftInvestor
Fri Jun 21, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 70
Views: 5210

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

Does your wife realize that you could use the savings by NOT moving to CA to fly there 4 times a year? (or more!). I'd stay put in Atlanta if you are happy there. If you wife is home-schooling she should be able to make some extended visits to family in CA. Start playing the points game to get some ...
by DaftInvestor
Fri Jun 21, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2136

Re: Experience with Synchrony savings accounts?

Does anyone have any experience with Synchrony bank savings accounts? They claim a nice high yield savings, 2.25%. I am thinking in terms of savings account only. Why bother with Synchrony when Ally is overwhelmingly the online bank of choice used by most on these forums? Yeah, Synchrony's online s...
by DaftInvestor
Fri Jun 21, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 139
Views: 9895

Re: what was your worst major purchase mine is a 2019 mazda3

craimund wrote:
Fri Jun 21, 2019 2:01 pm
DaftInvestor wrote:
Fri Jun 21, 2019 1:31 pm
CMGI stock
CMGI is in my top 10 along with a handful of other internet stocks I bought in 1999. It was, however, one of my best major purchases before it became one of my worst.
Yup - I think it surged to something like $128 per share before it came crashing on down.
by DaftInvestor
Fri Jun 21, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 5238

Re: Highest % cash back credit card

*with Citi Double you don't get the second of the two 1%'s till you pay, which also means you don't get it, I believe, if you pay in advance to keep the balance down. This isn't true. Also - if you didn't get a big enough credit line initially - what I found was - they will increase upon request - ...
by DaftInvestor
Fri Jun 21, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: I'm still young but...
Replies: 29
Views: 3747

Re: I'm still young but...

bubble?
by DaftInvestor
Fri Jun 21, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2136

Re: Ally or Synchrony or other for savings?

The problem I have with BOTH Synchrony and Ally is that ACH transfers can take more than 1 day (Synchrony happens routinely for me - 3 days; Ally - I pulled all my cash from them after experiencing a 3-day lag even though others reported single day. I was only using Ally because of a bonus a while b...
by DaftInvestor
Thu Jun 20, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 5238

Re: Highest % cash back credit card

If i could do it again, i'd probably rather my wife have a Chase Freedom Unlimited instead of the Citi DC so that we earn Ultimate Rewards points instead of cash back. Why? Are Chase "Ultimate Reward" points greater than 2% cash? I thought I saw the typical math on these points somewhere and it was...
by DaftInvestor
Thu Jun 20, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Highest % cash back credit card
Replies: 77
Views: 5238

Re: Highest % cash back credit card

I don't know of any as easily available or flexible as the Citi 2% cashback.
The only downside is if you travel internationally - the Citi card does charge a foreign transaction fee (I simply use another card for international travel).
by DaftInvestor
Wed Jun 19, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my mortgage - what to expect?
Replies: 46
Views: 4159

Re: Paying off my mortgage - what to expect?

Congratulations! When I paid off my mortgage a few years baxk they told me I would need to send a cashiers check for the "payoff amount" which was calculated to allow for snailmail. So, what I did was made a huge online payment for the full amount owed minus $5 then requested the pay off amount and ...
by DaftInvestor
Tue Jun 18, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Am I a Boglehead?
Replies: 31
Views: 2532

Re: Am I a Boglehead?

If you look at Taylor's list you have 9 out of 10 (you could even argue you have 10 out of 10) so yes - You are a boglehead.
by DaftInvestor
Tue Jun 18, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4434

Re: IPhone 6 - showing some age

I replaced the batteries in both my kids iPhone 6's (it was only $29 last year - understand $49 now) making them very happy. Apple dropped the price to only $29 last year because they new they had some issues with some of the batteries not holding up - too bad they didn't continue that special pric...
by DaftInvestor
Tue Jun 18, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1604

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

The good news is that these shenanigans will end in a few years tops once 5G has widespread adoption. Competition is coming. I'm looking forward to that! I spoke to Spectrum and they said that I could get internet for $50/mo (with no added taxes or fees) with no contract, and they'll guarantee the ...
by DaftInvestor
Tue Jun 18, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4434

Re: IPhone 6 - showing some age

I replaced the batteries in both my kids iPhone 6's (it was only $29 last year - understand $49 now) making them very happy. Apple dropped the price to only $29 last year because they new they had some issues with some of the batteries not holding up - too bad they didn't continue that special price...
by DaftInvestor
Tue Jun 18, 2019 10:05 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 967
Views: 97051

Re: U.S. stocks continue to soar!

NASDAQ up over 2%; other indices up 1.5% today - we could be back at record highs by months end.
by DaftInvestor
Tue Jun 18, 2019 9:17 am
Forum: Personal Investments
Topic: Watches as investments?
Replies: 19
Views: 1921

Re: Watches as investments?

People thought Hummels were good investments until the generation that collected them died off and nobody wanted them anymore. Consider the younger generation has (mostly) moved on to smart-watches. Are you sure these watches that have increased in value in the last 10, 15 or 20 years will continue ...
by DaftInvestor
Mon Jun 17, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 118
Views: 8212

Re: Article on high deductible health plans - and the math

My company has kept our Low-deductible plan very advantage to employees. I am sometimes jealous because I can't open an HSA and increase my tax-advantaged space the way everyone here talks about but for me - I've run the math - it isn't worth it to spend thousands more in medical costs yearly to sa...
by DaftInvestor
Mon Jun 17, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Freezing Credit issues
Replies: 8
Views: 782

Re: Freezing Credit issues

I had the same problem with both of my young-adult children. Decided to wait and try again (Versus mail them pounds of paper).
by DaftInvestor
Mon Jun 17, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 118
Views: 8212

Re: Article on high deductible health plans - and the math

My company has kept our Low-deductible plan very advantage to employees. I am sometimes jealous because I can't open an HSA and increase my tax-advantaged space the way everyone here talks about but for me - I've run the math - it isn't worth it to spend thousands more in medical costs yearly to sav...
by DaftInvestor
Mon Jun 17, 2019 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One will only send security notices if you let them spy on you once in a while
Replies: 46
Views: 3033

Re: Capital One will only send security notices if you let them spy on you once in a while

I am scratching my head as to why you are jumping to a conclusion that they are spying on you. All banks have to comply with regulations regarding not letting accounts go dormant. Also - nearly all web traffic has some level of "tracking" cookies - simply disable/delete if they bother you. The bigge...
by DaftInvestor
Mon Jun 17, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2544

Re: Recommendation for light beer.

Your issue is the alcohol itself. One gram of alcohol is 7 calories, and a “standard” alcoholic drink has 14 grams of alcohol (e.g. 12 ounces of 5% beer), which is 98 calories per drink. And that’s just the alcohol. Actually - the OP never stated that a requirement of his beer was for it to have al...
by DaftInvestor
Sun Jun 16, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 36
Views: 2136

Re: Experience with Synchrony savings accounts?

Only downside is ACH transfers take a few days.
Marcus always has same savings account rate and ACH takes only a day.
by DaftInvestor
Fri Jun 14, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4073

Re: 50 or 75 gallon water heater?

If your family is taking long showers - and multiple at once - and want to do so without having to worry about timing; and also not worry about whether or not there is laundry or dishwasher running at the same time - I wouldn't downgrade the size. Regarding tankless - most of the folks I know that w...
by DaftInvestor
Fri Jun 14, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 18735

Re: Paying for rent is throwing away money...myth?

OP (Ducksinarow): I didn't read all six pages but wanted to give you my perspective. For the most part this is NOT a myth. When you pay rent you are helping your landlord/owner build his equity/investment and/or are contributing to his income. This is true in MOST cases (everyone always likes to com...
by DaftInvestor
Tue Jun 11, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 2988

Re: Passport photos cheap

If you are a AAA member and have an office near you they were reasonable (and quick) as I recall.
by DaftInvestor
Fri Jun 07, 2019 3:24 pm
Forum: Personal Investments
Topic: $10,200 Gross commission Check... What would you do with it?
Replies: 31
Views: 3254

Re: $10,200 Gross commission Check... What would you do with it?

I wouldn't pay off a 0% interest debt. Not sure why everyone is telling you to do so. If you are concerned that you might loose your job and won't be able to pay just put the $2900 aside where it is making interest (Marcus@2.25%) and slowly make the payments from there. Free money. I would focus on...
by DaftInvestor
Fri Jun 07, 2019 3:21 pm
Forum: Personal Investments
Topic: why are Small Caps falling?
Replies: 113
Views: 9378

Re: why are Small Caps falling?

I hold Small Cap Value (VSIAX). 10 Year average is 13.30% yearly. Hardly failing in my eyes. Looking at total market (VTSAX) 10 year average is 13.98%. Would have been better simply holding total market but maybe not in next 10 years. I have a slight-tilt toward SCV based upon research in several bo...
by DaftInvestor
Fri Jun 07, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3638

Re: Preventing Identity Theft

I would freeze more than just the Big three. Freeze at Innovis and Chexsystems as well (I think there is a sixth but the name escapes me). Thank you. I didn't realize there were more than three. Here is an article about the others - you can decide for yourself which could be harmful if open: https:...
by DaftInvestor
Fri Jun 07, 2019 2:59 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3219

Re: Chewy IPO

I love Chewy as a retailer - cheaper than alternatives I've looked at for what we buy (High end food thanks to my spouse's insistence) and does a great job shipping (unlike others statements - my stuff always arrives in great shape). Would I invest in them? Why? On-line retail is mostly a race to th...
by DaftInvestor
Fri Jun 07, 2019 2:50 pm
Forum: Personal Investments
Topic: $10,200 Gross commission Check... What would you do with it?
Replies: 31
Views: 3254

Re: $10,200 Gross commission Check... What would you do with it?

I wouldn't pay off a 0% interest debt. Not sure why everyone is telling you to do so. If you are concerned that you might loose your job and won't be able to pay just put the $2900 aside where it is making interest (Marcus@2.25%) and slowly make the payments from there. Free money. I would focus on ...
by DaftInvestor
Fri Jun 07, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 3638

Re: Preventing Identity Theft

I would freeze more than just the Big three. Freeze at Innovis and Chexsystems as well (I think there is a sixth but the name escapes me).
by DaftInvestor
Thu Jun 06, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: How to pay electrician
Replies: 38
Views: 3465

Re: How to pay electrician

without good reason(I have talked to him) He didn't give you what you consider a "good reason" but he gave you some reason? What was the reason he gave? If estimate was 1600 - he now calculated out exact time and materials and you owe him 1800 that's 12.5% more than his estimate - doesn't seem unre...
by DaftInvestor
Thu Jun 06, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5507

Re: Is it Wise to Remove Escrow if Bank Allows it?

Got rid of it when my mortgage company kept failing to pay my home-owners insurance almost resulting in cancellation of the policy. They also paid my tax-bill late resulting in extra fees (they didn't care - they just paid the fees out of my escrow). After dealing with them paying my bills late I ha...
by DaftInvestor
Thu Jun 06, 2019 11:42 am
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2044

Re: How do you talk to investment advisors socially?

As others have stated - I simply talk about non-investment topics.
If the person asks me how I invest - I simply tell them that I consider the topic a bit personal and not comfortable talking about it. Do you follow sports? Have kids? What do you do for fun? So many other topics...
by DaftInvestor
Thu Jun 06, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4776

Re: Company requiring salaried employees to clock in?

Usually its the slackers who are most upset about these things - I wouldn't think it would hurt morale once folks are used to it. Management should certainly explain why the change. Someone jumped to the conclusion that pay would be docked - if salaried that won't happen. The slackers will likely j...
by DaftInvestor
Thu Jun 06, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4776

Re: Company requiring salaried employees to clock in?

I'm in a healthcare setting when my employees are late the patients get upset. In that kind of environment, it makes sense. There are appointments, shifts, etc that need to be met. In the software industry, that doesn't make sense. We have a release going out next week, so we need to finish up a fe...
by DaftInvestor
Thu Jun 06, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4776

Re: Company requiring salaried employees to clock in?

Usually its the slackers who are most upset about these things - I wouldn't think it would hurt morale once folks are used to it. Management should certainly explain why the change. Someone jumped to the conclusion that pay would be docked - if salaried that won't happen. The slackers will likely ju...
by DaftInvestor
Thu Jun 06, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7715

Re: What flagship (even used) item is better than a budget new item?

Lot's of good suggestions already. A couple more: - Weber Grill - will last for decades. Buy a different brand and be prepared to replace. There are entire threads on this here. - Tumi laptop bags - only replace to get new styles and configurations since they last nearly forever. - Name brand qualit...
by DaftInvestor
Wed Jun 05, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 45
Views: 3538

Re: Being given charity that I don't need

Make it up with a big tip - simple.

It could be she just discounts all the regulars thinking it will keep them coming back.
by DaftInvestor
Wed Jun 05, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 967
Views: 97051

Re: U.S. stocks continue to soar!

...How do you load up after the dip? You leave cash on the sidelines and watch the market climb waiting for a dip? Load Up may be the wrong term, at least for me. I try to buy on the dips most months with excess New Money that hits my checking account each month. The S&P500 was trending lower Monda...
by DaftInvestor
Wed Jun 05, 2019 6:05 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2578

Re: Recommendations for "Backup" software

After a bad experience with a proprietary file image being corrupt - not able to be read by the proprietary software that created it I too have gone with the simple drag and drop method described by abgraham above. Windows recognizes files that haven't changed when I drag over entire directories (an...
by DaftInvestor
Wed Jun 05, 2019 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8025

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

Here is a book that looks at pros and cons of ways to handle this exact situation (and many others):

Beyond the Grave, Revised and Updated Edition: The Right Way and the Wrong Way of Leaving Money to Your Children (and Others)

https://www.amazon.com/dp/0062336223
by DaftInvestor
Mon Jun 03, 2019 1:40 pm
Forum: Investing - Theory, News & General
Topic: Convince me to sell ESPP / Company Stock
Replies: 22
Views: 1132

Re: Convince me to sell ESPP / Company Stock

When I worked for Lucent in late 90's it was considered a large-megacorp at the time - the stock went from $40 to $128 then split. I sold - everyone told me I was crazy - it would hit over $100 and split again - why would a sell. Within a year or so the stock dropped to $7. I don't know how your cri...
by DaftInvestor
Mon Jun 03, 2019 5:24 am
Forum: Investing - Theory, News & General
Topic: How did you all do in the month of May, 2019
Replies: 125
Views: 9802

Re: How did you all do in the month of May, 2019

Interesting that so many people seem to track performance on a 31 day period based upon a calandar month. I don't do this.
by DaftInvestor
Fri May 31, 2019 1:44 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7663

Re: Just Got a Call From Fidelity

Mine didn't stop calling me until I called him back. I simply called, said I didn't need any help, and asked he never call again unless I reached out first. Only took a minute - he was very polite and certainly didn't try to sell anything to me (based on my statements).
by DaftInvestor
Thu May 30, 2019 9:02 pm
Forum: Personal Investments
Topic: Have RSUs. Should I enroll in ESPP too?
Replies: 26
Views: 1447

Re: Have RSUs. Should I enroll in ESPP too?

As others stated - need to know the terms of the ESPP - some are pretty much guaranteed extra income - others not so much.