Search found 702 matches

by walletless
Sat Oct 14, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7156

Re: Equifax - credit freeze is now free?

Maybe Equifax's web site is overloaded today, Saturday, Oct. 14th, 2017. I went to AnnualCreditReport.com this morning and requested credit reports from all 3 agencies. The first was Equifax. After answering their identify questions, I got a page saying my report was not available online, and I wou...
by walletless
Fri Oct 13, 2017 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1525

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

There is no aum since the money is being held as cash. My intention is to cut off that relationship once 3 months expire. Confirm that you can close it in 3 months without them clawing back the bonus. It may be that you can reduce the balance in three months, but can't close it for 6 months. That i...
by walletless
Thu Oct 12, 2017 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1525

Re: Chase Sapphire Reserve 50k points for private banking checking relationship

Curious to know some of the terms and conditions and offer end date though. They gave me a small flyer but it did not have any fine print conditions listed on it, unfortunately. The offer requires you to talk to a banker to get all fine print. I would make the following point. Regardless whether yo...
by walletless
Wed Oct 11, 2017 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve 50k points for private banking checking relationship
Replies: 12
Views: 1525

Chase Sapphire Reserve 50k points for private banking checking relationship

I have a CSR since October last year, my renewal is coming up soon. I am not planning to renew, but instead downgrading to a free category card. Today I received a call from a banker at my local Chase Bank branch with an offer to convert my checking account to a private banking relationship account....
by walletless
Sun Oct 08, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6216

Re: MoviePass-Too good to be true, but it's legit.

Subscribed to try this out... lets see how it goes once the debit card arrives!
by walletless
Thu Oct 05, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6216

Re: MoviePass-Too good to be true, but it's legit.

letsgobobby wrote:
Thu Oct 05, 2017 10:20 pm
tbradnc wrote:
Thu Oct 05, 2017 5:26 pm
You have to be within 100 yards of your theater to book a ticket.
soooo... can't get one for my kids? (who don't have cell phones of their own)?
minimum age requirement is 18 years, and participant needs either iPhone or Android smartphone.
by walletless
Thu Oct 05, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6216

Re: MoviePass-Too good to be true, but it's legit.

Can you buy your ticket BEFORE you get to the theater? Our problem is when we show up(early albeit even) at the theater to buy tickets(in person) many times they are sold out or only marginal seats are left(if any at all) now that everything is "online". According to their site, you can buy any sho...
by walletless
Wed Oct 04, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 3
Views: 614

Re: Urge Vanguard to support better two-factor authentication

+1 for supporting known auth protocols that tie into Google Authenticator, Microsoft Authenticator, Authy, etc. .... as long as they do not back it up with phone/sms login like they did with yubikey! Also, these protocols are still vulnerable to phishing, so they need to implement how many times som...
by walletless
Wed Oct 04, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 50
Views: 6216

Re: MoviePass-Too good to be true, but it's legit.

So how does this work for most theatre chains (AMC, Century etc) that are not in their "e-ticketing" list of theatres? Is my understanding correct: 1) You purchase $9.99/mo subscription from moviepass.com 2) They mail you a debit card in ~3 weeks. Your subscription starts from the day you receive th...
by walletless
Tue Sep 12, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3959
Views: 1052763

Re: U.S. stocks in freefall

Uncle Pennybags wrote:
Tue Sep 12, 2017 10:21 pm
This is ridiculous. I have no losses to harvest. This market is going to put me in a higher tax bracket. :P
Same here... Have about $700 of carry over harvest, nothing beyond that
by walletless
Mon Sep 11, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7156

Re: Equifax - credit freeze is now free?

same experience in california. was expecting to pay $10.
by walletless
Fri Aug 25, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Buying vegetable seeds for my backyard
Replies: 15
Views: 1024

Re: Buying vegetable seeds for my backyard

Thanks all. Yes I meant organic = certified organic grown -- especially for Roma tomatoes. I'm located in North California. Based on the responses here I did additional research & found that indeed, purchasing seeds at this time of the year is not such a great idea. Now I'm leaning towards purchasin...
by walletless
Thu Aug 24, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: Buying vegetable seeds for my backyard
Replies: 15
Views: 1024

Buying vegetable seeds for my backyard

I have hired a hardener to clean-up the weeds and old soil from our backyard and plant new soil & seeds. We are leaning to purchasing Organic soil and seeds. Are local hardware stores like Home Depot, OSH, or Lowes the best place to purchase seeds (Nurseries near us are much more expensive than hard...
by walletless
Thu Aug 24, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Blogging expense question (tax deduction)
Replies: 2
Views: 377

Blogging expense question (tax deduction)

My wife and I have started a small health-related blog on the side. So far the blog has very little (almost no) traffic. We hope that with some modest traffic, some day if our blog is successful, we may make some small income through ads or affiliate links. We spent roughly $300 to set up the blog (...
by walletless
Mon Aug 21, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13581

Re: I own no international stocks. Can you guess why?

My guess is that with the increasing non-equity portion of your portfolio, the 20% international has become such a small percentage, it did not make sense to maintain yet another fund class in your portfolio. To simplify, you just removed it altogether. Example, if you are at 60/40 portfolio, you wo...
by walletless
Sun Aug 20, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4499

Re: Kitchen knife set. Good quality - Recommendations

Personally, I think the cheap " fixwell knives " on Amazon work great. They are very inexpensive, fine, sharp and perfect for thin slicing of veggies. Of course, these are not steak knives. I also own the $45 Victorinox knife & they are excellent: far better quality than fixwell, but also a lot more...
by walletless
Wed Aug 09, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 10966

Re: PurePoint 1.25% online savings $10K min

FYI, Purepoint has increased their savings rate to 1.30% effective today (Aug 9, 2017)
by walletless
Sun Jul 16, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Wordpress Theme suggestion
Replies: 0
Views: 198

Wordpress Theme suggestion

Hello, I am looking for a good "drag and drop" style wordpress theme for my new blog (hosted at InMotionHosting). The blog is a health/diet/fitness theme blog. Typical posts will be things like: 1) Recipes with HD photo or YouTube Videos as top media 2) Suggestion for exercise routines 3) Review of ...
by walletless
Sun Jul 09, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

The card I use for groceries beats BCP by about 2.49%, and has no annual fee. Thanks for the teaser. 3.5%-1.01%=2.49% When you consider the annual fee, BCP is worse than a debit card. What card gives you 3.5%? They are probably referring to the Bank Of America Cash Rewards card (with the 75% platin...
by walletless
Sun Jul 09, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

*3!4!/5! wrote:
Carl53 wrote:
*3!4!/5! wrote:The card I use for groceries beats BCP by about 2.49%, and has no annual fee.
Thanks for the teaser.
3.5%-1.01%=2.49%
When you consider the annual fee, BCP is worse than a debit card.
What card gives you 3.5%?
by walletless
Sat Jul 08, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. Below is definition of supermarket I got from dictionary.com for you: a large retail market that sells food and other household goods and that is usually ope...
by walletless
Sat Jul 08, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. That is the class of store they specifically exclude. I would interpret eligible stores as being those whose primary business is groceries. I am admittedly v...
by walletless
Sat Jul 08, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3310

Re: Luggage recommendation

it-luggage & Sharper image bags sold at Ross are very light weight. My it-luggage 29" bag weighs 8 lbs, whereas the Sharper Image 30" one weight somewhere between 9 & 10 lbs.
by walletless
Sat Jul 08, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

I want to clarify: the amex cards have 3% & 6% cash back at supermarkets, not grocery stores. I shop grocery at stores like Sprouts, Safeway & local grocery stores. I almost never do grocery shopping at supermarkets... So that card so not work for me, correct? I get 6% on groceries just about every...
by walletless
Sat Jul 08, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

I want to clarify: the amex cards have 3% & 6% cash back at supermarkets, not grocery stores. I shop grocery at stores like Sprouts, Safeway & local grocery stores. I almost never do grocery shopping at supermarkets... So that card so not work for me, correct?
by walletless
Fri Jul 07, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3310

Re: Luggage recommendation

misterno wrote: Just came from Costco and I did not see Kirkland brand luggage out there
Must be out of stock. They look like these, and were $99.99 when I visited them few weeks ago: http://costcocouple.com/kirkland-signat ... e-spinner/
by walletless
Fri Jul 07, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3310

Re: Luggage recommendation

misterno wrote:I will visit Marshalls and Ross just to see what they have
Yes, I recommend visiting Ross at least. Not sure what Marshalls has, but in my experience Marshalls generally tends to be a bit more expensive than Ross.
by walletless
Fri Jul 07, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

Did you google this? I just did: http://www.magnifymoney.com/blog/earning-cashback/best-cash-back-cards-grocery-shopping The Consumers Credit Union visa gets you 3% on groceries and $100 bonus for $1k in spending in the first month. Thanks! I did lookup nerdwallet but could not find it useful. The ...
by walletless
Fri Jul 07, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

Re: A good VISA card for Gas & Groceries?

The BoA card that you already have gets you 3% on gas for the first $2,500 spent per quarter on gas/groceries. Though it only gets 2% on wholesale purchases, not the 3% that you mention, unless you have a different card I've never seen. The only other one I know of that offers more is the Sam's Clu...
by walletless
Fri Jul 07, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 4422

A good VISA card for Gas & Groceries?

I used the Sallie-mae Mastercard for Groceries that fetched me 5% rewards. Unfortunately, Barclays converted it to the "Commence" card earlier this year, earning a paltry 1% on all purchases now (2% on utility and groceries). I am now looking for a VISA card that can fetch me a good cashback on Groc...
by walletless
Fri Jul 07, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3310

Re: Luggage recommendation

if you are on a budget, visit a nearby Ross store, they have several 30 inch spinners for $50-60 range. it-luggage and sharper image brand luggage have lasted well for me and are light weight (7-8 lbs). i got one each and they have survived 2 round trips to india and still intact. p.s. Yes Samsonite...
by walletless
Sun Jul 02, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 139
Views: 18274

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Remember, Ally has a 11-month no-penalty CD at 1.50%. You can withdraw without penalty any time after 6 days, making it effectively a good place to park money rather than VMMXX.
by walletless
Tue Jun 13, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1822

Re: Good Digital Tire Gauge

I have this & like it:
Astro 3018 Digital Tire Inflator with Stainless Steel Braided Hose
https://www.amazon.com/dp/B002PUTC0M/
by walletless
Tue Jun 13, 2017 1:57 am
Forum: Personal Consumer Issues
Topic: Ally Website and Mobile Banking Down???
Replies: 14
Views: 1606

Re: Ally Website and Mobile Banking Down???

I've moved most of my money from Ally to GSBank (1.20%) & PurePoint (1.25%). Couldn't be happier. I use GSBank to hold money untill it is large enough (few thousand dollars) to invest into my portfolio. A few hundred dollars from each pay check is automatically deposited here; and I sweep from my ch...
by walletless
Thu Jun 08, 2017 7:15 am
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 28
Views: 4906

Re: GS Bank raised rate to 1.20%

Sweet! Let the rate wars begin. I'm on PurePoint since few months, enjoying 1.25% on my emergency cash.
by walletless
Mon May 29, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 6352

Re: Credit unions are non-profit, how come they do not dominate over banks???

I have a Chase checking account for only one reason: they offer safe deposit box, None of the CUs in my area offer it. With direct deposit requirements I am forced to use it as my primary account now. They do offer great service in branch such as 24 hour access to ATM machine which can give money in...
by walletless
Mon May 22, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 2392

Re: NY vs Utah 529?? Can't decide!

You'd be fine either way - both are great 529 plans with very good age-based options out of the box. Do you have relatives in either states who may contribute to the plan? That may be one thing to consider in deciding since both states give some tax-free contribution limits to state residents. Other...
by walletless
Thu Apr 13, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 2257

Re: Dollar Savings Direct - 1.25% Savings

So its a teaser rate? Interesting I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates. Agreed....
by walletless
Thu Apr 13, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 2257

Re: Dollar Savings Direct - 1.25% Savings

luderiffic wrote:So its a teaser rate? Interesting

I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates.
by walletless
Wed Apr 12, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront: Why we avoid Blackrock ETFs
Replies: 24
Views: 4144

Re: Wealthfront: Why we avoid Blackrock ETFs

Use iShares to TLH for few categories like SCV and EM. Mostly use Vanguard otherwise. Its great that there are low cost competitors cropping up to challenge Vanguard. More options = win for us consumers.
by walletless
Fri Apr 07, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 1149

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

If you have a reserve you do not need CSP. The benefits are same or better, generallly speaking. Decide whether the CSP at $95 is sufficient for you, or you need the added benefits CSR gives for $450. Keep one of the two and downgrade the other to a free category card. Freedom is a great card IMO. N...
by walletless
Sat Apr 01, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Raise Your Rate CDs
Replies: 9
Views: 3394

Re: Ally Bank Raise Your Rate CDs

I agree, but at this point I'd go with the 1.45 Purepoint cd ladder over Ally. The diff is 15bps which is not insignificant, and I doubt ally will go higher by that many points in 1 year.

edit - Purepoint lowered interest rate on 1-yr cd to 1.40% as of yesterday 3/31.
by walletless
Thu Mar 30, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 10966

Re: PurePoint 1.25% online savings $10K min

inbox788 wrote:joint account?

Yes, joint.
by walletless
Wed Mar 29, 2017 11:27 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1195

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

I have seen some posts where the After-tax contributions have gone to Roth IRA and earnings have gone to Traditional IRA - in which case there is no tax to be paid. Since I do a backdoor Roth conversion every year, keeping a balance in traditional IRA would trigger pro-rated taxes. Hence in my case...
by walletless
Wed Mar 29, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 10966

Re: PurePoint 1.25% online savings $10K min

FYI, my joint account got kicked out. When I called to ask why, the said that they wanted to talk to both applicants on the same call. I still have to schedule a meeting to do that. They have limited hours (not 24/7). What could cause the account to be kicked out? We are talking about CO 360, right...
by walletless
Wed Mar 29, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1195

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

Perfect, thanks Earl. My plan has generally good "core" funds, but lacks REIT and SCV as well. I will do an in-plan conversion for now. My company also was acquired by a much larger company, so we expect the 401K plans to merge with them in future. Their plan has even better and lower-cost...
by walletless
Wed Mar 29, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: After market car backup camera and stereo system
Replies: 8
Views: 1157

Re: After market car backup camera and stereo system

Thanks all. I will take a look at the Crutchfield installpass. It seems that you cannot find the installers near you until you make the purchase.. so only after I purchase a car will I be able to ask the installer the additional charges and recommendations for which unit to purchase. But this seems ...
by walletless
Wed Mar 29, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 1195

Mega Backdoor: In-Plan vs Out-of-plan conversion

My employer allows us to make a quarterly non-hardship conversion of our after-tax contributions in 401K to a Roth IRA. The 401K custodian is Fidelity. I called Fidelity today to make a conversion, and the representative asked me whether I want to do a "in-plan" or "out-of-plan" ...
by walletless
Tue Mar 28, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 10966

Re: PurePoint 1.25% online savings $10K min

Gamma Ray wrote:How about Memory Bank with 1.5% up to $250k?

http://www.mymemorybank.com/home/earnmore-account
Forget it, it says 1st year..

Looks like interest checking account with requirement for debit card transaction.. Purepoint savings account does not have such requirements.