Search found 1395 matches

by Tamales
Wed Oct 23, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: How to handle RSU's?
Replies: 10
Views: 920

Re: How to handle RSU's?

My company withhold around 40% for tax when it is vested. I sell them within 24 hours or so. I suggest you do the same and get rid of it. You can invest that money in an index fund or spend it for your needs. That 40% includes multiple taxes. SS/Medicare withheld at a fixed rate, state withheld at ...
by Tamales
Wed Oct 02, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Citi VAN (virtual account numbers) compared to BofA ShopSafe
Replies: 3
Views: 323

Citi VAN (virtual account numbers) compared to BofA ShopSafe

As some of you are aware, BofA ended its ShopSafe program for its credit cards. I have shifted to Citi's VAN (using the downloadable application on my PC). You can set both an expiration date and an amount, under "advanced options." No sure if you can do recurring charges from same vendor (haven't t...
by Tamales
Sun Sep 22, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: Removing ceramic tile with hammerdrill+chisel bits
Replies: 18
Views: 1313

Re: Removing ceramic tile with hammerdrill+chisel bits

I once did this manually w/ a chisel. Don't do that -- power tools are worth it. I don't think a hammerdrill would work all that well. An air chisel should work well, as stated above. A rotary hammer (which is a big cousin to the hammer drill) w/ chisel attachment would work really well, and is muc...
by Tamales
Sun Sep 22, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Removing ceramic tile with hammerdrill+chisel bits
Replies: 18
Views: 1313

Removing ceramic tile with hammerdrill+chisel bits

A fairly small area, about 5'x7' in the entryway with 14" tiles. Any tips on what size chisel bit to use with the hammerdrill, or will I need to buy several sizes? How messy (dusty) will it get? Or can you lightly spray it with water as you chisel to keep dust from drifting to nearby carpet and furn...
by Tamales
Sun Sep 15, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Floating flooring for hallway?
Replies: 2
Views: 389

Floating flooring for hallway?

Has anyone had a floating plank or tile floor installed in a hallway, especially if the hallway includes a corner and a change of direction? Or is glue-down flooring generally the best way to go for hallways, due to the smaller dimensions? I'm guessing, but could definitely be wrong, that part of th...
by Tamales
Wed Sep 11, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone offer ultra-high deductible insurance plans?
Replies: 17
Views: 1676

Re: Does anyone offer ultra-high deductible insurance plans?

There would be people who really could not pay the high deductible, but sign up anyway because of lower premiums. That just feeds the subsidy aspect of it. Unless ultra high deductibles were subject to financial qualification.
by Tamales
Sun Sep 08, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 7907

Re: BofA ShopSafe going away

I applied for (and got approved for) the Double Cash. We'll see ... BTW, someone on WalletHub posted that it does have VAN. Did you authorize a hard credit pull during the application? Online comments say they don't let you specify a credit limit in the initial application and they tend to be quite...
by Tamales
Sun Sep 08, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 7907

Re: BofA ShopSafe going away

Hey Bank of America , if you are looking in (and since you don't give a way to communicate directly on this issue), it's not just a rogue group of Bogleheads that are disappointed with this proposed termination of Shop Safe. A quick Google search revealed other online users expressing disappointmen...
by Tamales
Sat Sep 07, 2019 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 7907

Re: BofA ShopSafe going away

In this article: https://thecollegeinvestor.com/22836/virtual-credit-cards/ it says "Citibank offers virtual credit cards for almost all of its cardholders." So I don't know what to believe at this point, except that Citi's website doesn't put it in writing anywhere (not even for the card the CS rep...
by Tamales
Sat Sep 07, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 7907

Re: BofA ShopSafe going away

FrugalInvestor wrote:
Sat Sep 07, 2019 10:56 pm

Our Citibank Double Cash Mastercard DOES have the VAN feature.
Thanks. I guess a couple things could explain the discrepancy:
The rep was wrong.
or
You have been grandfathered into VAN but new applicants don't get it except with the annual fee cards.
by Tamales
Sat Sep 07, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 7907

Re: BofA ShopSafe going away

Citi sure doesn't make it easy to figure out which cards allow Virtual Account Numbers. from here: https://www.cardbenefits.citi.com/Products/Virtual-Account-Numbers it just says available on select cards, and you "can view all Citi cards and their features by visiting Citicards.com" So I go there, ...
by Tamales
Sat Sep 07, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 7907

Re: BofA ShopSafe going away

I'll join the chorus of disappointment at BofA ending Shop Safe (and such short notice too). They don't list a number or website to voice complaints, but there's a slim chance that pointing them to this thread (and people sending a bunch of individual email pleas to reconsider) might get them to rec...
by Tamales
Sat Aug 17, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Reminder to estimate if you might be subject to under-withholding penalty (fed and state)
Replies: 0
Views: 305

Reminder to estimate if you might be subject to under-withholding penalty (fed and state)

If you have lumpy and unpredictable pay (and lumpy federal/state tax withholding) during the year, now is a good time to estimate how much you will have had withheld at your current pace, by your 12/31/19 paycheck. You may still have some unpredictable paychecks coming, but most of them have already...
by Tamales
Mon Aug 12, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Green Dot Bank 3% HY savings account
Replies: 6
Views: 1341

Green Dot Bank 3% HY savings account

Is anybody opening an account at this bank? They have been advertising on TV lately, and 3% is curiously high for a saving account in the current environment. I never heard of the bank before. Not exactly a confidence-inspiring history: https://en.wikipedia.org/wiki/Green_Dot_Corporation and it seem...
by Tamales
Sat Aug 10, 2019 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage for Retirees
Replies: 28
Views: 2565

Re: Mortgage for Retirees

<t>The messier situation is retiring early with no pension, and no SS claims planned for a number of years, and relocating to another state, but with retirement funds (including after-tax accounts) well in excess of the new mortgage amount. <br/> <br/> So there will be some period where you'd have 2...
by Tamales
Sat Aug 10, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 3127

Re: which stud finder?

You can get a cheap one in Harbor Freight. A magnet. Run it over the wall. They find a drywall nailhead. Then confirm it vertically. Then confirm again. if you have tile maybe not. There are grab bars made with a system that allows very secure adhesion through and to the wall without a backup stud....
by Tamales
Sat Aug 10, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?
Replies: 37
Views: 3113

Re: House being sold as 2553sqft livable, but tax records show 2053? Cause for concern?

This is a huge cause for concern. Raise the issue and if you don't get a satisfactory answer during the 10 day inspection period you should bail on the house. Usually this means the owner put an unpermitted addition on the home. If that's the case you don't want to be a part of it when the city fin...
by Tamales
Mon Jul 22, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: PSA: Audible subscription 66% discount for Prime Day
Replies: 5
Views: 1003

Re: PSA: Audible subscription 66% discount for Prime Day

update: I'm kind of luke-warm about my Audible subscription. For books that have footnotes/end notes, you're out of luck unless you want to buy a print version as well. I'm not sure how they'd implement it in an audio book (especially books loaded with footnotes) so it's just a general comment. I su...
by Tamales
Sun Jul 14, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: PSA: Audible subscription 66% discount for Prime Day
Replies: 5
Views: 1003

PSA: Audible subscription 66% discount for Prime Day

The "catch" is that price ($4.95/mo) is only good for 3 months; full price after that. While you can get a 1 month free trial any time, I never felt that 1 month was necessarily enough time to decide whether to keep the subscription, and it will take some time to get used to books only in audio form...
by Tamales
Sat Jun 29, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Can't delete or rename file
Replies: 17
Views: 1228

Re: Can't delete or rename file

OP here. I can't explain why, but the file shredder built into McAfee's security suite seems to have deleted it. Or maybe the reason the other things didn't work was because McAfee had a hook on it. Hopefully it won't re-appear after next cold start. Thanks again for the suggestions. PS, I found a s...
by Tamales
Sat Jun 29, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Can't delete or rename file
Replies: 17
Views: 1228

Re: Can't delete or rename file

Can you see it in Windows Explorer (or whatever it might be called in Windows 10) and drag it to a top-level directory to shorten the path? Yes, I can see it in win explorer, and I can open it by double clicking from there, but I can't rename it, move it, or delete it. Within my pdf reader, I can "...
by Tamales
Sat Jun 29, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Can't delete or rename file
Replies: 17
Views: 1228

Re: Can't delete or rename file

Thanks for the replies. I did try rebooting (once a restart, once a full shutdown and restart) to no avail. The first portion of the auto-populated filename is like this: Amazon.com _ 2 Pack Battery and Charger Bundle............pdf I tried opening a command prompt, navigating to the directory, and ...
by Tamales
Sat Jun 29, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: Can't delete or rename file
Replies: 17
Views: 1228

Can't delete or rename file

I was backing up files on my hard drive, and in the process it got hung up due to a pdf file that has a very long file name (the name was auto-populated when I saved it). The destination drive location increased the full path name even further so I guess that's why it got hung up. Anyway, now I cann...
by Tamales
Wed Jun 05, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked
Replies: 28
Views: 1376

Re: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked

Timely post as I'm in the process of replacing all the hard wired interconnected alarms in my house. First Alert makes an interconnected, hard wired, with included 10 year long-life lithium battery (model 9120B); bought at Lowes. That seemed ideal since the middle of the night low-battery chirps wer...
by Tamales
Tue May 28, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Electric, corded, trimmer edger recommendations
Replies: 11
Views: 898

Re: Electric, corded, trimmer edger recommendations

I have a corded Stihl FSE60, works great but the 100 foot extension cord was too tedious so I bought a cordless shortly thereafter. I should probably sell it, along with the gas blower and gas hedge trimmer I've also replaced with 56V cordless EGO tools.
by Tamales
Sat May 25, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: How Do You Organize Your Flash Drives?
Replies: 39
Views: 2889

Re: How Do You Organize Your Flash Drives?

Most responses seem to be saying to do something besides what you asked. In response to what you asked, color-coded lanyards might work: https://www.amazon.com/Wisdompro-7-inch-Colorful-Lanyard-Keychain/dp/B00JSD994I/ref=sr_1_8?hvadid=77927953875662&hvbmt=bp&hvdev=c&hvqmt=p&keywords=wisdompro&qid=15...
by Tamales
Mon Apr 29, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off my mortgage - what to expect?
Replies: 46
Views: 4501

Re: Paying off my mortgage - what to expect?

One thing that caught me by surprise was the Credit Score nosedive. One would think paying off a loan would send your score up but that's not what happened. Went down by about 100 points. Thankfully it was short lived and recovered in a few months. A 100 point drop in credit score for paying off a ...
by Tamales
Sat Apr 27, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Colleague salary comparison
Replies: 54
Views: 6532

Re: Colleague salary comparison

If you work in an organization where there is a single compensation number (salary) I suppose this comparison could have some value. A comparison of the trend for multiple consecutive years would probably be more meaningful. Drawing conclusions from data representing a single snapshot in time is sel...
by Tamales
Thu Apr 25, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: W9 backup withholding letter?
Replies: 1
Views: 312

W9 backup withholding letter?

Got an email from a bank where I've had an account for years, saying I need to submit a W9 form to verify I'm not subject to backup withholding. The email said "this is the only notification you will receive." Logged into account, the form popped up automatically, I electronically signed, so apparen...
by Tamales
Tue Apr 23, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2791

Re: Amazon Returns accepted at Kohl's Dept. Stores...

Hmm. I recently got an Amazon order where the wrong product was in a package that was labeled correctly. I didn't return it because it wasn't worth the hassle given the price of the product and that the wrong product was still useful. In theory, this would have made that less of a hassle to return i...
by Tamales
Thu Apr 18, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 5506

Re: Video Camera to check in on Elderly Parent

I don't think the intent of the camera monitoring idea is to impose it on the world or seek general opinions about it (certainly a vast majority would object). But there are elderly individuals who have high health or fall risks and who live alone. In some parts of the country there are "elder negle...
by Tamales
Wed Apr 17, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 5506

Re: Video Camera to check in on Elderly Parent

I know someone who's 95 and lives with her daughter. When her daughter travels she has help check on her twice a day, but her daughter would like to be able to check in on her more frequently. She often can't get to the phone. I was wondering if there are any sort of cameras that would help. Or any...
by Tamales
Wed Apr 17, 2019 8:11 pm
Forum: Personal Consumer Issues
Topic: Video Camera to check in on Elderly Parent
Replies: 76
Views: 5506

Re: Video Camera to check in on Elderly Parent

Hi, I purchased the new Amazon Echo Show to check in on my parents. The key feature is the "drop in" function where you can make a video call and connect automatically without having your parents answer the call. You can make the call using the Amazon Alexa app on your cell phone or from another Am...
by Tamales
Mon Apr 15, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading
Replies: 54
Views: 3723

Re: Comparing mid-size SUVs for towing -- Hyundai vs Kia leading

The OP might also check into the new 2020 Kia Telluride (lots of youtube reviews; all seem to give it high ratings, which is rare). Started showing up at dealers about a month ago. Designed at Kia's California design center, built in Georgia. 5000 lb tow capacity is alleged. Standard caveats for fir...
by Tamales
Mon Apr 15, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Recommend a reversible glue for sticking plastic to metal
Replies: 11
Views: 710

Re: Recommend a reversible glue for sticking plastic to metal

If you can post a photo of the lamp, that would be helpful. Hard to guess how these pieces attach and what sort of directional strength they need. Just guessing but if the acrylic pieces are not structural and simply need to be held in place vertically within the metal frame (sort of like pieces of ...
by Tamales
Sun Apr 14, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: How do you solicit 360 degree feedback?
Replies: 20
Views: 1700

Re: How do you solicit 360 degree feedback?

I've had to fill something like that out in the past, and others did for me. Since they ask for strengths, weaknesses, and areas for improvement, and you have to fill out all areas, I found I struggled with pointing out weaknesses and improvement areas (for example, report x didn't meet my standards...
by Tamales
Sat Apr 13, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4708

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

I had a thread about using a cashier's check for new car purchase a couple weeks ago. I did purchase with a cashier's check, and the dealer told me they need to run a OFAC check ( apparently thru the Dept of Treasury), which is initiated by using a credit application but you only fill out name addr...
by Tamales
Sat Apr 13, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4708

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

I had a thread about using a cashier's check for new car purchase a couple weeks ago. I did purchase with a cashier's check, and the dealer told me they need to run a OFAC check ( apparently thru the Dept of Treasury), which is initiated by using a credit application but you only fill out name addre...
by Tamales
Sat Mar 30, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Cashiers Check for tentative car purchase
Replies: 34
Views: 1797

Re: Question about Cashiers Check for tentative car purchase

Thanks for the replies. Just to close this out in case someone else has this question in the future: in addition to the cashiers check (made out to the car dealership) you get a receipt (a perforated attachment to the check itself) with all the info from the check, including your name as remitter. A...
by Tamales
Sat Mar 30, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Question about Cashiers Check for tentative car purchase
Replies: 34
Views: 1797

Re: Question about Cashiers Check for tentative car purchase

livesoft wrote:
Sat Mar 30, 2019 10:04 am
Since you are going to the bank, then why not ask the bank? You can even call the ahead of time.
Good point! Guess I haven't had enough coffee yet this morning.
by Tamales
Sat Mar 30, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Question about Cashiers Check for tentative car purchase
Replies: 34
Views: 1797

Re: Question about Cashiers Check for tentative car purchase

Just to clarify...today is Saturday. Bank hours are short today. I need to get the cashiers check in advance , and will go to the dealer later. But I need to know the cashiers check can be reversed if needed, since the deal is not finalized yet. And I'm asking if there's a special way to fill out th...
by Tamales
Sat Mar 30, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Question about Cashiers Check for tentative car purchase
Replies: 34
Views: 1797

Question about Cashiers Check for tentative car purchase

Let's say I have an offer amount in mind for a new car, and will only do the deal at that all-in price. If I go to my bank in advance and get a cashiers check in that desired amount, made out to the car dealership, and the deal doesn't materialize for whatever reason, how do I get that money re-depo...
by Tamales
Thu Mar 28, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Compound Interest Calculation
Replies: 29
Views: 1491

Re: Compound Interest Calculation

If so, do you know if there's a regulation on the precision that must be used for the rate in calculating the interest? Is there a regulation requiring the bank or CU to disclose the exact rate used in calculating interest if the customer asks? Kevin Seems there would have to be regs covering this....
by Tamales
Thu Mar 28, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Compound Interest Calculation
Replies: 29
Views: 1491

Re: Compound Interest Calculation

Kevin M wrote:
Thu Mar 28, 2019 10:45 am
Another way to get APY from rate is to use the spreadsheet EFFECT function, and to get rate from APY use the NOMINAL function.
Thanks. I don't recall ever running across those functions before.
by Tamales
Fri Mar 15, 2019 12:23 am
Forum: Personal Finance (Not Investing)
Topic: My RSU are causing a tax nightmare
Replies: 15
Views: 2396

Re: My RSU are causing a tax nightmare

At vesting the federal income tax on RSUs is calculated at the supplemental income rate (currently 22% regardless of your W4 exemptions or your tax bracket). State and FICA are also taken out. Tax is commonly paid via shares, so the 22% for federal isn't precisely 22% and may be incrementally more s...
by Tamales
Thu Mar 14, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Early and losing RSUs
Replies: 32
Views: 2761

Re: Retiring Early and losing RSUs

No matter what, you'll never get all of your rsu's. You can work till you die and you'll still leave some on the table. You are wrong to assume this is how all RSU plans operate. My MegaCorp paid out 100% of unvested RSUs upon death of the in-service employee. They also paid out 100% remaining RSUs...
by Tamales
Mon Mar 11, 2019 2:59 pm
Forum: Investing - Theory, News & General
Topic: Sell RSUs when stock is significantly down?
Replies: 20
Views: 1437

Re: Sell RSUs when stock is significantly down?

The whole process behind RSUs is a form of handcuffed market timing. You understand the risks of holding in hopes of it getting closer to its originally implied value, so if you want to hold, hold.
by Tamales
Wed Mar 06, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1497

Re: Anybody have a vehicle with ventilated driver's seat?

There are two types of ventilated driver's seats and the performance of each seat is significantly different. The first is forced AC. This forces cool AC air out of the perforated seats to cool you. This is the seat available on the Benz and Lexus and works as expected (push button, cool air comes ...
by Tamales
Wed Mar 06, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1497

Re: Anybody have a vehicle with ventilated driver's seat?

No, but I did have a Ford F-150 for a year as a company vehicle that had cooled leather seats. Like, blows actual cold air on your butt. Those were great. I don't see mere "ventilated" seats being that worthwhile though. Oh, that is what I thought the poster was asking. I can't imagine having venti...
by Tamales
Wed Mar 06, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1497

Re: Anybody have a vehicle with ventilated driver's seat?

No, but I did have a Ford F-150 for a year as a company vehicle that had cooled leather seats. Like, blows actual cold air on your butt. Those were great. I don't see mere "ventilated" seats being that worthwhile though. If the f150 did have air conditioned seats at one time, it no longer does. Now...