Search found 4013 matches

by DaftInvestor
Fri Oct 19, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I just got a phone call from Ally. ... (yes, I verified it was Ally calling). I also got a call from Ally but the caller-ID info said "800 service" which has in the past always been telemarketers. Fortunately they left a message. Not sure why their Caller ID info can't show something obvious like "...
by DaftInvestor
Fri Oct 19, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

My prediction: We will see some threads here on 2/15 with folks complaining that they didn't get the bonus the expected :D I registered my email address for the bonus (thought they said you just need to make sure the primary email matches) but since one of the accounts is a joint account I just regi...
by DaftInvestor
Thu Oct 18, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 12
Views: 934

Re: Temporary Credit Freeze Lift and non-required PINs - no security

One minor correction to my original post (since I just re-went through the process on my spouse's reports and went very slowly and thoroughly through each screen and option). Experian will take the PIN if you notice the "Remember your PIN Yes/NO" checkbox - which defaults for some reason to NO. If y...
by DaftInvestor
Thu Oct 18, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I had a CD with them already and opened a savings account, but I don’t recall seeing any 3-5 business days message or anything about credit check. As far as I can tell the account opened immediately. I’m concerned I might have done it wrong? Same here and I have my credit freezes all intact.I belie...
by DaftInvestor
Thu Oct 18, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Worse in what way? I can only speak from my experiences so far: - No other online bank I've joined has taken "3 to 5 days" to approve an account (and sounds like it may simply fail at the end). Others have been either instant or 24 hours. In this day and age - for an "online" bank to take 5 days se...
by DaftInvestor
Thu Oct 18, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

We have multiple joint accounts with them, and have for years. Both individual accounts we opened are pending. Surprising. I am starting to wonder why folks here seem to like this bank so much. I've opened online savings accounts at multiple banks over the years chasing various yields and promotion...
by DaftInvestor
Thu Oct 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I just called Ally regarding the troubles with the Online Savings getting opened (after having a CD) as I mentioned above. 1) Confirmed Opening a CD requires fewer security/credit checks than opening an OnLine savings account. More regulation on that account type since there is more access, etc. The...
by DaftInvestor
Thu Oct 18, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I had a CD with them already and opened a savings account, but I don’t recall seeing any 3-5 business days message or anything about credit check. As far as I can tell the account opened immediately. I’m concerned I might have done it wrong? Same here and I have my credit freezes all intact.I belie...
by DaftInvestor
Thu Oct 18, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 12
Views: 934

Re: Temporary Credit Freeze Lift and non-required PINs - no security

Rupert wrote:
Thu Oct 18, 2018 11:18 am
I think they've all recently changed their policies in response to the new federal law that makes freezing and unfreezing free for everyone.
This was what I was wondering. Seems by being mandated to do it for free they, all three, decided to make it less secure.
by DaftInvestor
Thu Oct 18, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Today I decided to transfer a bit more over but by opening an Online savings account with them. I ended up on a screen of "You'll hear from us in 3 to 5 business days". My credit is all frozen so I'm guessing I will have to go unfreeze it as well. We'll see what they say when they contact me. They ...
by DaftInvestor
Thu Oct 18, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: Temporary Credit Freeze Lift and non-required PINs - no security
Replies: 12
Views: 934

Temporary Credit Freeze Lift and non-required PINs - no security

So back after the Equifax debacle happened I froze all my credit. Each of the 3-major agencies gave me a PIN - very important to keep this in a safe place in case you ever want to remove the freeze - or so they said. Turns out this appears FALSE. I just went through and removed the freeze at the Big...
by DaftInvestor
Thu Oct 18, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Today I decided to transfer a bit more over but by opening an Online savings account with them. I ended up on a screen of "You'll hear from us in 3 to 5 business days". My credit is all frozen so I'm guessing I will have to go unfreeze it as well. We'll see what they say when they contact me. They ...
by DaftInvestor
Thu Oct 18, 2018 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

It seems they verified me without doing a credit-pull. I was asked several multiple choice identity verification questions with info they could have only gotten from a credit report. Did you not have that as part of your online application process? Nope. Never happened. I was surprising how quick i...
by DaftInvestor
Thu Oct 18, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 32
Views: 3549

Re: Forever Stamps as an Investment?

Hello, What are your thoughts of using forever stamps as an alternative investment / inflation hedge? I could buy thousands worth of forever stamps, and wait for the price of the stamps to rise. I could then sell them on a market like ebay, craigslist, etc. I looked up historical stamp prices and i...
by DaftInvestor
Wed Oct 17, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10301

Re: Should we move to San Diego from east coast?

To summarize this entire thread:

Pros: The weather
Cons: Just about everything else

:wink:
by DaftInvestor
Wed Oct 17, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Corporate politics/culture
Replies: 43
Views: 3883

Re: Corporate politics/culture

OP, Why does any of this matters to you? What is your goal? In order to play any political game, you need to have the clarity of purpose first. What are you trying to achieve? KlangFool +1 What's the real question? Are you trying to decide whether or not to leave? How to get promoted? How to keep y...
by DaftInvestor
Wed Oct 17, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Transfers
Replies: 3
Views: 990

Re: Ally Bank Transfers

I don't understand: Are you saying that you bought an Ally CD through your Schwab account?
And put the request in through Schwab to cash out the CD?
And requested the proceeds be transferred to Schwab or somewhere else?
by DaftInvestor
Wed Oct 17, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 152
Views: 12259

Re: Where would you go for financial guidance if you win the Megamillions?

Sure - this is actionable :)

I would hire security staff to start after reading another thread about kidnapping...but who could I trust.
by DaftInvestor
Wed Oct 17, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33756

Re: U.S. stocks continue to soar!

AnalogKid22 wrote:
Wed Oct 17, 2018 9:32 am
watchnerd wrote:
Tue Oct 16, 2018 11:10 pm
So bummed at these gains
Almost half of which have been erased today.
Not at days end. Pretty level day - minimal loss.
by DaftInvestor
Wed Oct 17, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Can you please tell me how much FDIC insurance this scenario has?
Replies: 13
Views: 591

Re: Can you please tell me how much FDIC insurance this scenario has?

Not enough info. Are all the above the same bank or different banks? Are all the "1 owner" 's the same owner? My understanding: If same bank - total of $250K PER OWNER (so if by "1 owner" above you mean the same owner you get $250K). If different banks its $250K * #-of-banks * #-of-owners https://ww...
by DaftInvestor
Wed Oct 17, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I signed up for this as a new customer of ally. 1) The terms said deposit by 10/31 and NOT 11/5. Where do you see the 11/5 date? 2) I just confirmed the micro deposits on Vanguard but Vanguards website said it will take an additional 7-10 BUSINESS days. That might be too long if the 10/31 date is t...
by DaftInvestor
Wed Oct 17, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Be careful. Did you all read this? Don't expect to get the extra 1% on a CD account if you also have a savings account, money market account or interest checking account. You only get the cash bonus on one Ally account, and they order the accounts with regard to priority as described below? Cash Bo...
by DaftInvestor
Tue Oct 16, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 321
Views: 33756

Re: U.S. stocks continue to soar!

Nasdaq is up over 2% - other indexes closing in on 2% - we are back in business folks.
by DaftInvestor
Tue Oct 16, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

What's the risk here? I can't figure out why Ally is just throwing away money. 1/15/19 seems like an awfully short amount of time. If Ally goes bankrupt, we're covered by FDIC, correct? Yep, it's odd, but I suppose it's on par with the brokerage transfer bonuses and the belief that it will lead to ...
by DaftInvestor
Tue Oct 16, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick Question for Ally CD Holders. Do they allow you to pre-setup how the CD funds will be dispersed upon maturity? (Syncrhony bank does - allows you to provide instruction ahead of time on where you want the money to go when a CD matures - years before ahead. Other institutions make you call in d...
by DaftInvestor
Tue Oct 16, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 262
Views: 21245

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick Question for Ally CD Holders. Do they allow you to pre-setup how the CD funds will be dispersed upon maturity? (Syncrhony bank does - allows you to provide instruction ahead of time on where you want the money to go when a CD matures - years before ahead. Other institutions make you call in du...
by DaftInvestor
Fri Oct 12, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9609

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Nicolas wrote:
Fri Oct 12, 2018 8:15 am
linenfort wrote:
Thu Oct 11, 2018 11:37 pm
Animal shelter assistant, but I don’t think it would pay anywhere near 1K.
My wife does this for free.
My spouse does this as well - although its not free - it costs us money (gas; things she buys to donate; etc.).
All the shelters in my area are volunteer based.
by DaftInvestor
Fri Oct 12, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2853

Re: Which one: Lyft or Uber?

Lyft is the winner for me (although I do have both - switch to Uber if Lyft is unavailable somewhere). Uber cancels rides willy-nilly, their App isn't as good; they take longer routes sometimes (seem to always favor major highways); poor history with woman at corporate and woman drivers; mixed-messa...
by DaftInvestor
Fri Oct 12, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: No bill to me - but found strange things on my health plan records
Replies: 32
Views: 2742

Re: No bill to me - but found strange things on my health plan records

I had a relative who told me that they had something similar happen. It turned out that someone with a similar name lived in the same city and their office had mis-filed. I'd call the physicians office and ask them about it. They would never admit this, but today's version of misfiling is computer ...
by DaftInvestor
Fri Oct 12, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4701

Re: Keep a backup hot water heater?

Get one with a lifetime warranty. Like the 'lifetime' fluid in my transmission? :mrgreen: I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before i...
by DaftInvestor
Thu Oct 11, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Feeling Guilt among family/peers
Replies: 42
Views: 5165

Re: Feeling Guilt among family/peers

Go talk to a councilor versus posting here. They can talk you through your feelings. It's usually covered by health insurance too. I don't feel guilty at all - I have worked my butt off to get to where I am. I also have kids (I am guessing you don't) and most of what I have striven for has been to p...
by DaftInvestor
Thu Oct 11, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11403

Re: 1.5 liter wine

Note: Original Thread is 10 years old. Vintages change in 10 years. Also - if you want decent wine - it doesn't come in a 1.5 liter bottle. Not true: https://www.sherry-lehmann.com/red-wine/D4815/Petrus-Pomerol-Magnum-2014 Even in the normal price range of an average wine drinker many good wines ar...
by DaftInvestor
Thu Oct 11, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4701

Re: Keep a backup hot water heater?

Get one with a lifetime warranty.
by DaftInvestor
Wed Oct 10, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: What tools do you use to track your finances?
Replies: 50
Views: 3756

Re: What tools do you use to track your finances?

Just curious as to what tools you use to track (1) accounts, (2) spending and (3) retirement futures. I used to use Quicken for everything. I used it for decades. A couple of years ago I realized many of the things I was doing were no longer necessary and simply a waste of time. I was doing things ...
by DaftInvestor
Wed Oct 10, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11403

Re: 1.5 liter wine

Note: Original Thread is 10 years old. Vintages change in 10 years.
Also - if you want decent wine - it doesn't come in a 1.5 liter bottle. Learn to enjoy while drinking less.
by DaftInvestor
Wed Oct 10, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs others
Replies: 27
Views: 1865

Re: Vanguard vs others

For Tax-Advantaged Accounts (IRAs): Use Fidelity. Lowest Fees (zero) and tax efficiency doesn't matter.
For Taxable Accounts: Use Vanguard.
by DaftInvestor
Tue Sep 25, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3362

Re: How to buy a mattress

First - consider that you spend up to one third of your life sleeping (and maybe doing other activities) on your mattress. I have traveled a lot on business in the last 30 years. The only reason I stay at nicer hotels is because they tend to have better mattresses. Good mattress = good night sleep B...
by DaftInvestor
Thu Sep 13, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)
Replies: 50
Views: 2550

Re: Phone Plan for US-Child doing a Semester Abroad (VerizonWirelss)

Thanks for the detailed response. So someone above mentioned a "Skype $71" plan that would allow unlimited phone calls back to the US for free (over data). BUT, if I understand Google-Voice, you can get a free US number (I did this last night to try it out) and then use that number from Europe (pro...
by DaftInvestor
Thu Sep 13, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity, Schwab, or Vanguard
Replies: 61
Views: 4243

Re: Fidelity, Schwab, or Vanguard

I've got accounts at all three (IRA at Fidelity, Current 401K at Schwab, taxable at Vanguard). I like the idea of taxable at Vanguard and tax-advantaged at Fidelity or Schwab (for reasons mentioned by others). If I had to pick one I'd go with Fidelity. $0 Expense Ratio funds, $0 minimums. Both Fidel...
by DaftInvestor
Thu Sep 13, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2986

Re: Do you use social media to enhance your travel experience?

Sadly - 40% of folks under 33 prioritize ‘Instagrammability’ when choosing their next vacation spot. (Reference: https://www.forbes.com/sites/andrewarnold/2018/01/24/heres-how-much-instagram-likes-influence-millennials-choice-of-travel-destinations/) Very sad.....folks planning based upon what they ...
by DaftInvestor
Tue Sep 11, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4675

Re: How much do bogleheads save in 529?

... The other extreme will be 0. Both are valid choices. It all depends on your personal financial circumenstances and your view on college educations. ... Everyone will make guesses. I am sure someone will guess right 0 Equipped my kids to be able to afford to pay their own way: Roths (since age 1...
by DaftInvestor
Tue Sep 11, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: basic 529 questions for a friend's new born
Replies: 5
Views: 557

Re: basic 529 questions for a friend's new born

If your relatively sure you want to use the funds for education a 529 plan is the way to go. Your money can grow TAX-FREE for 20+ years. The downside is if you don't use the money for education of someone you will pay a 10% earnings + income taxes on the earnings. So you need to weigh the risk that ...
by DaftInvestor
Tue Sep 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8536

Re: Can Sneakers go with Business Casual?

No.

Sneakers = Casual
Sneaker != Business Casual
by DaftInvestor
Sun Sep 09, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Good photo book printer for image quality
Replies: 24
Views: 1579

Re: Good photo book printer for image quality

The paper and printing at MPix feel and look better than other photo books, and several people have told me they switched after seeing our books. https://www.mpix.com/ Before I started using Blurb I used Mpix for several photo books. One book arrived with streaks across the pages. To their credit, ...
by DaftInvestor
Sun Sep 09, 2018 8:46 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4675

Re: How much do bogleheads save in 529?

Save up to 4-years in-state tuition+room/board without sacrificing retirement savings.
This is what I did and now I am enjoying paying for college with money that has grown tax-free for 20+ years - 529 has saved me thousands in taxes.
by DaftInvestor
Tue Sep 04, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Max you should invest in a 529?
Replies: 181
Views: 10166

Re: Max you should invest in a 529?

I planned out enough to put each child through 4 years of in-state tuition along with room and board. As the second approached college I put some additional funds into CDs rather than overfund 529s. I do somewhat regret doing this and wish I just dropped that money, as well, into 529s (would have sa...
by DaftInvestor
Fri Aug 31, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Are CDs considered an investment?
Replies: 75
Views: 4104

Re: Are CDs considered an investment?

toe-may-toe toe-mah-toe

... and I don't care if I can't remember what the "A" in IRA stands for either ....
:happy
by DaftInvestor
Fri Aug 31, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: New, pseudo unlocked phones on Ebay
Replies: 14
Views: 1034

Re: New, pseudo unlocked phones on Ebay

Yes, I subsequently saw in some of the reviews on walmart that people said they bought an unlock code on Ebay for $2 or so. That was then. Apparently Verizon has plugged that hole. Also from some things I read, it appears that even if unlocked the Verizon models may still block some of the LTE chan...
by DaftInvestor
Fri Aug 31, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report question - expunging invalid derogatory marks
Replies: 10
Views: 976

Re: Credit report question - expunging invalid derogatory marks

What's her credit score?? There may be no impact to her score and if she applies for a loan they might explain the simple explanation.