Search found 929 matches

by walletless
Thu Nov 07, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Re: Car accident, insurance questions

Be prepared that you may to file suit against the at fault party (not their insurance company) before you collect anything for DV. Thanks for this! Super useful. One clarification - are you suggesting that for Diminished Value claim, I need to sue the insured party instead of the insurance company ...
by walletless
Thu Nov 07, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Re: Car accident, insurance questions

So I learnt some new things. The At fault driver is not reachable by their Insurance company and thus the Ins company wont help the OP. Legally, the insurance companies are required to do a "good faith" service to their client, so they cannot determine fault and authorize repairs without hearing ba...
by walletless
Thu Nov 07, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Re: Car accident, insurance questions

Thanks for the replies. I've contacted my insurance and started the claim. If anyone has info on car seat replacement, please do let me know. By the way, hopefully you have a police report or event number, if the damage on private property is too small for a report. Unfortunately, no. In California ...
by walletless
Thu Nov 07, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 763

Car accident, insurance questions

I had an unfortunate incident in a supermarket parking area when I was driving in the aisle to exit the parking lot, and someone backed into my car from their parking spot. The other party is clearly at fault here, however their insurance company has been unable to contact the insured for over a wee...
by walletless
Sun Oct 20, 2019 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

Lyrrad wrote:
Sun Oct 20, 2019 5:00 pm
- I believe that Schwab uses its own bank while Fidelity uses a third party bank for ATM cards
I think Fidelity ATM cards are issued by PNC Bank, not that it matters to me
by walletless
Sun Oct 20, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

I extensively used my debit card for CMA during a recent trip to Japan. The 7/11s there have international ATMs that charge 220 yen as fees. I can confirm that Fidelity reimbursed that fee every single time. I also got decent foreign exchange rates there. I just had to inform Fidelity ahead of time...
by walletless
Sun Oct 20, 2019 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

I extensively used my debit card for CMA during a recent trip to Japan. The 7/11s there have international ATMs that charge 220 yen as fees. I can confirm that Fidelity reimbursed that fee every single time. I also got decent foreign exchange rates there. I just had to inform Fidelity ahead of time ...
by walletless
Mon Oct 07, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1796

Re: Adding middle name to SSN and Passport

Why do you wan to fix this? Is it legally necessary or is this some sort of desire to do? I would leave well enough alone until such time it came up as a legal need. Presumably you have had these name conflicts for long enough and they haven't affected anything. With any citizenship question I woul...
by walletless
Sun Oct 06, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Adding middle name to SSN and Passport
Replies: 17
Views: 1796

Adding middle name to SSN and Passport

When my wife got married, we lived in a state where adding middle name as husbands name was not allowed without a court petition. So we decided to skip the middle name completely, and her SSN and passports only have a first and last name. We later moved to CA state, and for some reason, her driver's...
by walletless
Mon Jul 29, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 10816

Re: Wealthfront now offers 2.51% APY

Does anybody know the specific FINRA or SEC regulation most of these roboadvisors are adhering to in the similar publicly-disclosed policies of Personal Capital, Stockpile, Titanvest and Robinhood above? Plainly going by experience here since I am not familiar with any FINRA rules: WF allows withdr...
by walletless
Sat Jul 27, 2019 1:39 am
Forum: Personal Investments
Topic: The new 1 fund portfolio
Replies: 57
Views: 8540

Re: The new 1 fund portfolio

If you like one fund, look at Vanguard LifeStrategy funds. It's a single diversified fund containing U.S & International equity, as well as bonds. If you don't want bonds for some reason, then Vanguard total world market (VTWAX) should suffice. I don't know if it'll beat VTSAX or not (nobody does), ...
by walletless
Tue Jul 23, 2019 9:37 am
Forum: Personal Investments
Topic: Betterment Everyday Savings and Checking Launches - 2.69% interest, FDIC insured
Replies: 21
Views: 1682

Re: Betterment Everyday Savings and Checking Launches - 2.69% interest, FDIC insured

Great, this will atleast prevent Wealthfront from reducing interest in their cash accounts, even when most banks have lowered their interest rates. Competition is a great, great thing!!
by walletless
Wed Jul 17, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?
Replies: 17
Views: 1265

Re: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?

Yeah, well that would be a different problem if I had that option turned on and still got the email. I'd like to think that it sends me useful emails so I have not disabled emails. Have you ever gotten a useful e-mail from CK? I have, once. My wife got notification of a new account (came as a surpr...
by walletless
Wed Jul 17, 2019 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?
Replies: 17
Views: 1265

Re: Credit Karma keeps sends email about newly closed accounts but there's nothing recent - anyone else?

I think CK confuses paying off revolving balance with closing account. I pay my cards in full each month, so the lenders report my balance as $0... and that causes CK to think I have closed my accounts.
by walletless
Thu Jul 11, 2019 12:12 pm
Forum: Personal Investments
Topic: Direct rollover My529 (UT) -> Vanguard (NV): should I do it?
Replies: 2
Views: 410

Direct rollover My529 (UT) -> Vanguard (NV): should I do it?

For my 7 year old, I have a 529 with UT (My529.org). I have set it to the age-based aggressive global plan which I am quite happy with. Recently I switched employers, and my new employer has their 401K with Vanguard. This has given me an opportunity to consolidate everything into Vanguard. I have al...
by walletless
Mon Jul 08, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 30075

Re: Americans believe they need $1.7 million, on average, to retire

I use 3.5% SWR since I plan to retire in my 50s in a HCOL area. For $150,000 annual expense, my magic number is ~4.3 Million dollars. I am in my late 30s and expect to each the number in my late 40s, in about 10-11 years. I might work for few more years after that until my son completes college, the...
by walletless
Mon Jul 08, 2019 1:59 am
Forum: Investing - Theory, News & General
Topic: Insights From a Long Call With Vanguard Reps Today
Replies: 86
Views: 17325

Re: Insights From a Long Call With Vanguard Reps Today

I said that despite the current hype around ETFs, I personally preferred mutual funds as they still have many appealing attributes, for example automatic withdrawals. They said they’re considering a few options to offer these features for ETFs as well. This is good to know. However my reason for st...
by walletless
Wed Jul 03, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

Have been using the CMA + Brokerage combination for a month now. Love this setup. The only thing I really miss is Zelle integration. Paying friends using Chase quickpay was so convenient. I wish Fidelity integrates with Zelle..
by walletless
Fri Jun 21, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

There are definitely some wierdness that goes in with Fidelity cash Management when backed by brokerage account. I've set my CMA account to have minimum of $750, and withdraw $250 at a time from my brokerage account to meet that. This is in addition to $2,000 which I have in SPRXX in In my CMA accou...
by walletless
Tue Jun 18, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Re: Credit card sign on bonus suggestion

Thanks everyone for all the suggestions. I visited a Chase branch today to apply for the Ink Preferred card. The SMR said they no longer have the 100K offer as it was discontinued at the beginning of the year. They did not re-introduce that offer again since, even during the small-business week in M...
by walletless
Mon Jun 17, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Re: Credit card sign on bonus suggestion

By the way, I was able to earn 100k points instead of 80k on the Chase Ink Business Preferred Card by going into a branch in person and speaking with their Relationship Manager. The Relationship Managers have (or at least used to have) the ability to offer 100k points instead of the normal 80k. Tha...
by walletless
Thu Jun 13, 2019 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

I recently set up a small amount of my paycheck to go into my Fidelity account (brokerage that I set up as the overdraft account to my CMA) as part of my plan (detailed on page 14 of this thread) to test the viability of using Fidelity as a one-stop shop. Our scheduled pay date is tomorrow (Friday,...
by walletless
Thu Jun 13, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

I recently set up a small amount of my paycheck to go into my Fidelity account (brokerage that I set up as the overdraft account to my CMA) as part of my plan (detailed on page 14 of this thread) to test the viability of using Fidelity as a one-stop shop. Our scheduled pay date is tomorrow (Friday,...
by walletless
Thu Jun 13, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Re: Credit card sign on bonus suggestion

So trying to get the thread back on my original question, I have now narrowed down to two possibilities. I plan to spend ~$5,000 on travel (~$2,500 on airline tickets, $2,500 on airbnb). 1) Chase Ink Business Preferred : 80,000 points sign-on bonus, plus 3x points on travel. So if I purchase the ful...
by walletless
Wed Jun 12, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Re: Credit card sign on bonus suggestion

Sell a few things on craigslist or ebay and, bam, you're a sole proprietor. Chase Ink Preferred. I'm guessing you're joking here.. or are you serious? I mean with income of couple hundred dollars as a shell eBay "business"... what would be the chance of approval? It would be zero because the OP is ...
by walletless
Wed Jun 12, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Re: Credit card sign on bonus suggestion

Delta Gold or Delta Platinum for AFs of $95 or $195 They have 60k+ $50 credit and 75k point SUBs respectively through July 2nd and you get free bags with both cards. You get priority boarding and a 20% discount on anything you buy in-flight. The Platinum adds a domestic companion fare after the fir...
by walletless
Wed Jun 12, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Re: Credit card sign on bonus suggestion

teamDE wrote:
Wed Jun 12, 2019 8:48 pm
Sell a few things on craigslist or ebay and, bam, you're a sole proprietor. Chase Ink Preferred.
I'm guessing you're joking here.. or are you serious? I mean with income of couple hundred dollars as a shell eBay "business"... what would be the chance of approval?
by walletless
Wed Jun 12, 2019 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card sign on bonus suggestion
Replies: 32
Views: 3230

Credit card sign on bonus suggestion

Hello, I'm planning a foreign travel trip (Japan) in few months and thinking of applying a credit card for sign on bonus. Besides sign on bonus, a card with no foreign exchange fee would be nice. I'm not eligible for the Chase Sapphire or reserve cards until 2020 due to their newly added 24-month ru...
by walletless
Wed Jun 12, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Buying window shades
Replies: 1
Views: 307

Buying window shades

My home came with few cellular window shades where the strings are broken and you can no long pull up/down the shades. We are now looking to replace all shades in our living room (6 windows) with new ones, possibly kid-friendly pull-up/pull-down style mechanism. Are there folks here who have bought ...
by walletless
Fri May 31, 2019 1:12 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 3227

Re: Is VMFXX better than VMMXX now?

I'll try to answer this, as I struggled with this recently The 1099 forms do not provide the required information. Take a look at California Form CA (540) which stands for California Adjustments. Each year Vanguard will provide the percentages similar to the document I referenced above. Make a calc...
by walletless
Fri May 31, 2019 12:15 pm
Forum: Personal Investments
Topic: Is VMFXX better than VMMXX now?
Replies: 28
Views: 3227

Re: Is VMFXX better than VMMXX now?

As I understand it, for U.S. residents not in California, Connecticut, New York, or a state without income tax, the U.S. government portion of VMFXX is exempt from state income tax. California does allow the partial exemption for VMFXX. Here is the text from the 2018 tax booklet. "If the mutual fun...
by walletless
Wed May 29, 2019 7:35 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 10816

Re: Wealthfront now offers 2.51% APY

I'm still lost why VMFXX has a higher tax-effective yield for you. VMFXX is taxed at both federal and state for California. Are you sure you're not thinking about VM S XX? https://thefinancebuff.com/which-vanguard-money-market-fund.html A portion of VMFXX is tax free in California because it meets ...
by walletless
Wed May 29, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 10816

Re: Wealthfront now offers 2.51% APY

The only accounts I have at Fidelity are retirement accounts (401K, IRA). The investment and cash Management accounts only have couple thousand dollars in core/sweep, no other investments (they're all in VG which will close my cm equivalent account). Hopefully that shouldn't impact from lack of fdic...
by walletless
Wed May 29, 2019 12:56 am
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 10816

Re: Wealthfront now offers 2.51% APY

Finally, something to best VMMXX! Doesn't beat VMFXX yet, though (for me anyway) -- in the 24% federal and 9.3% CA state brackets, it has a tax equivalent yield of 2.58%. And VUSXX is better still, at 2.67% tax-equivalent yield. :) Isn't VMMXX yields no different from interest (from a tax perspecti...
by walletless
Tue May 28, 2019 11:58 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 10816

Re: Wealthfront now offers 2.51% APY

Finally, something to best VMMXX! Doesn't beat VMFXX yet, though (for me anyway) -- in the 24% federal and 9.3% CA state brackets, it has a tax equivalent yield of 2.58%. And VUSXX is better still, at 2.67% tax-equivalent yield. :) Isn't VMMXX yields no different from interest (from a tax perspecti...
by walletless
Tue May 28, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now offers 2.51% APY
Replies: 84
Views: 10816

Re: Wealthfront now offers 2.51% APY

Finally, something to best VMMXX!
by walletless
Sat May 25, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

How does check writing & ATM withdrawals work when you have both brokerage and CMA account. Say, brokerage account has balance of $1,000 in SPAXX or default core account Say, CMA account has balance of $0, with overdraft set to brokerage account sweep Now I write a check using my CMA account for $1...
by walletless
Sat May 25, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1197
Views: 145762

Re: Fidelity as a one stop shop

How does check writing & ATM withdrawals work when you have both brokerage and CMA account. Say, brokerage account has balance of $1,000 in SPAXX or default core account Say, CMA account has balance of $0, with overdraft set to brokerage account sweep Now I write a check using my CMA account for $10...
by walletless
Sat May 18, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 1265

Re: Hiking shoe suggestion for supinators/under-pronators

Thanks for the replies so far. I'll try Brooks cascadia and caldera, had no idea that trail running shoes would be ok for hiking! Unfortunately this means I'll have to visit at least 2 different stores tomorrow since only REI carries Oboz (but they don't have Brooks cascadia and caldera at stores ne...
by walletless
Sat May 18, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 1265

Re: Hiking shoe suggestion for supinators/under-pronators

I have very high arches and supinate. For running, I wear the Brooks Glycerin shoes and they have been a life changer for me. How are they on wear? I also supinate and wear Mizuno Wave Riders (previously wore Asics Gel Nimbus, but wore through them too quickly) I have been wearing the Glycerin 14 s...
by walletless
Sat May 18, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 1265

Re: Hiking shoe suggestion for supinators/under-pronators

I supinate as well and have worn running shoes for supinators back when I was running more. I have found that I didn't need them in a hiking boot, although there is a distinctive wear pattern in the heel after I've put some miles on them. I have found that anything by Vasque in one of the hybrid fa...
by walletless
Sat May 18, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 1265

Re: Hiking shoe suggestion for supinators/under-pronators

For running, I wear the Brooks Glycerin shoes and they have been a life changer for me. Why not just use Brooks Cascadia? They have the same general specs as the Glycerins: neutral, 10mm drop, medium/high arch, cushioned. The GTX version is "waterproof." Thanks, I have not tried Cascadia yet, but t...
by walletless
Sat May 18, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 1265

Re: Hiking shoe suggestion for supinators/under-pronators

Try Oboz. Recommended to me by REI sales person. Very firm counter for back of foot support, waterproof, great fit. Bought them as I hike over a lot of gravel so I needed a substantial sole. Great shoe. I second the Oboz suggestion. Thanks. I looked up Oboz on REI site, will likely go to a store to...
by walletless
Sat May 18, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Hiking shoe suggestion for supinators/under-pronators
Replies: 18
Views: 1265

Hiking shoe suggestion for supinators/under-pronators

I have very high arches and supinate. For running, I wear the Brooks Glycerin shoes and they have been a life changer for me. I have moulded insoles that I use in running shoes, although the default soles that come with Glycerin have also worked well for me. I am looking for suggestion for hiking sh...
by walletless
Tue May 14, 2019 11:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard customer service improving?
Replies: 9
Views: 1349

Re: Vanguard customer service improving?

"My voice is my password" is developed by a company called Nuance technologies. Vanguard just pays for that service, like many other banks do. If that service has improved, it's less likely to do with vanguard than Nuance. I have found Vanguard service to be mostly borderline ok. A few times I had t...
by walletless
Mon Apr 22, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Visiting Mexico in July?
Replies: 3
Views: 476

Visiting Mexico in July?

My family (me, spouse, 7 years old child) wants to take a break in July for a week, preferably in a place where we can get some leisure and rest and not much activity. A all-inclusive resort or cruise seem like the best fit where we can just rest and enjoy and relax. We have been contemplating Mexic...
by walletless
Mon Apr 08, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Solution for a thick wallet
Replies: 58
Views: 5806

Re: Solution for a thick wallet

I carry a bunch of credit cards and a number of gift cards and would like a way to eliminate them. More expensive phones offer NFC which supports Apple Pay, etc, but my phone does not. I'd have to buy a new phone for around $300 to make this happen. Some smart watches offer pay and at least one (Ga...
by walletless
Fri Mar 29, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123443

Re: U.S. stocks in free fall

Bastiat wrote:
Fri Mar 29, 2019 9:55 am
Stay the course.
We never do that here at bogleheads!😂
by walletless
Fri Mar 22, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123443

Re: U.S. stocks in free fall

Time for a bump! :moneybag
by walletless
Fri Mar 22, 2019 11:14 am
Forum: Personal Investments
Topic: VTIAX vs VXUS Expense Ratios
Replies: 2
Views: 400

Re: VTIAX vs VXUS Expense Ratios

Hello all, I hope this hasn't already been answered in the forums (I did try to search for it w/o luck)...but does anyone know if Vanguard has planned or commented on making the expense ratio for VTIAX (0.11%) match the relatively recently lowered expense ratio for VXUS (0.09%)? I realize it is not...