Search found 994 matches

by gas_balloon
Thu May 14, 2020 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to use up $300 Chase Sapphire Reserve Travel Credit
Replies: 23
Views: 1562

Re: How to use up $300 Chase Sapphire Reserve Travel Credit

I don't have the CSR any more, but have you tried calling the customer service line? Call and tell them that due to Coronavirus you're unlikely to use the card benefits and you don't see the value in paying the annual fees. They might be willing to give you some discount to compensate.
by gas_balloon
Sun May 03, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7342

Re: Mesh Wifi

Sorry to interject...would one Google WiFi point work ok for a 1900 square foot house. Two floors. Thanks! We have two in a 1750 square foot house (one upstairs and one downstairs). You may be able to get by with one if you can locate it centrally (upstairs). In our house the office is over the gar...
by gas_balloon
Tue Apr 28, 2020 11:32 am
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14327

Re: CIT slow to credit my account

Is this normal? It has taken six business days (and eight calendar days) for CIT to credit the transfer from my checkings account. The money was transferred (via ACH) on April 20, but today is the first day on which "Available Balance" (as opposed to "Current Balance") is showing a positive amount....
by gas_balloon
Mon Apr 27, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 118
Views: 7342

Re: Mesh Wifi

Google Mesh. Simple. Clean interface. 100% reliable (so far). I travel a lot so I like how easy it is to monitor. I also installed a Google Mesh system (and monitor) at my in laws wifi and couldn’t be more pleased with it. +1. Use Nest WiFi. Got the 2 pack router from Amazon. 1 router alone is enou...
by gas_balloon
Wed Apr 15, 2020 7:38 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14327

Re: Marcus or Ally

02nz wrote:
Wed Apr 15, 2020 7:32 pm
Marcus dropped the APY on its Online Savings account to 1.55%, just above Ally's 1.50%. Marcus still has significantly better CD rates though.
Initiated transfer to CIT Savings Builder and HSBC Direct (both 1.70% APY)
by gas_balloon
Wed Apr 15, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

I have received my $20 clippers from Amazon Which one did you purchase? I splurged and got the $36 cordless one. We set up a outdoor deck salon. I cut my son's hair and my wife cut mine. Got tons of compliments on my Zoom calls. Would highly recommend. Wahl Color Pro Cordless Rechargeable Hair Clip...
by gas_balloon
Tue Apr 14, 2020 11:58 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

Normchad wrote:
Tue Apr 14, 2020 8:22 pm
I have received my $20 clippers from Amazon
Which one did you purchase?
by gas_balloon
Tue Apr 14, 2020 6:54 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

It's been so difficult to find a decent hair clipper kit in stock. I've been searching online for days with no luck. The soonest Amazon can deliver a not-so-good Conair kit is in May. No luck finding the nicer Wahl Elite Pro, Wahl Color Pro or Wahl Self cut pro anywhere. Also none in my local Craigs...
by gas_balloon
Thu Apr 09, 2020 11:40 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

So I saw a bunch of videos on YouTube where people trim the sides (mear the ear) using a clipper and fades using different sizes. However I couldn't find a beginner video that trims the top using a clipper (they all use scissors). Is it not ok to trim the top with a #8 and sides using a #5 or #4? Ca...
by gas_balloon
Thu Apr 09, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

CSR I spoke with was quite definitive. If money movement is initiated at Ally within the 10 day window, then the rate guarantee will be honored. This specifically includes an ACH pull from an outside institution that is activated in Ally profile. Although because of holds and ACH transaction times,...
by gas_balloon
Tue Apr 07, 2020 9:23 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14327

Re: Marcus or Ally

ronin wrote:
Tue Apr 07, 2020 8:36 pm
Do they allow trusts to own the account?
Not from what I know. Neither account owner nor beneficiary can be trust account afaik.
by gas_balloon
Mon Apr 06, 2020 2:27 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14327

Re: Marcus or Ally

* Ally has a slicker website and app. Marcus has a less slick yet functional website and no app (atleast none on Android). They do have an app for Android, seems to be pretty new: https://play.google.com/store/apps/details?id=com.marcus.android Thanks for the pointer, yes they seem to have just add...
by gas_balloon
Wed Apr 01, 2020 6:01 pm
Forum: Investing - Theory, News & General
Topic: Covered calls, secure puts - when are they used?
Replies: 9
Views: 514

Covered calls, secure puts - when are they used?

My friends (non Bogleheads) talk a lot about puts and calls which totally confuses me despite their multiple efforts to explain me. I have no plans to use them, but I am curious what are they and how/when are they used in investment?

Can someone explain in laymen terms?
by gas_balloon
Tue Mar 31, 2020 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4248

Re: Pay fed tax now - or July 15?

I have a similar concern as OP, but owe less, around $2500. According to turbo tax I have a $69 under withholding penalty if paid 4/15. I'm wondering if the penalty will go up if I delay past 4/15. Does anyone know? No... there is no additional underpayment penalty for paying between 4/15 and 7/15....
by gas_balloon
Tue Mar 31, 2020 6:35 pm
Forum: Personal Investments
Topic: Marcus or Ally
Replies: 137
Views: 14327

Re: Marcus or Ally

I've used both. Both have well-designed websites. Have more experience with Ally, including phone customer service, which is very good. They even have a handy estimate of hold times on the app and website. My more limited experience with Marcus has also been excellent. I really don't see much to di...
by gas_balloon
Sun Mar 29, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Wireless 5.1 soundbar
Replies: 9
Views: 591

Re: Wireless 5.1 soundbar

I have been searching for 5.1 soundbar to connect with my TV via a HDMI ARC. I am a budget/value guy, so the Vizio ones which get rave reviews almost everywhere (especially for the price) seemed super interesting. (see budget pick at https://thewirecutter.com/reviews/best-soundbar/). However upon d...
by gas_balloon
Sun Mar 29, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Wireless 5.1 soundbar
Replies: 9
Views: 591

Re: Wireless 5.1 soundbar

I bought a Yamaha ATS-1070 from Costco a few years ago. Looks like the current model is the 1080. There are no separate speakers so the only wires are power and HDMI. I wouldn't call it high fidelity, but it's good enough for my needs and WAY better than the sound from the TV speakers. Thanks, thes...
by gas_balloon
Sun Mar 29, 2020 3:38 am
Forum: Personal Consumer Issues
Topic: Wireless 5.1 soundbar
Replies: 9
Views: 591

Wireless 5.1 soundbar

I have been searching for 5.1 soundbar to connect with my TV via a HDMI ARC. I am a budget/value guy, so the Vizio ones which get rave reviews almost everywhere (especially for the price) seemed super interesting. (see budget pick at https://thewirecutter.com/reviews/best-soundbar/). However upon di...
by gas_balloon
Tue Mar 24, 2020 7:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18790
Views: 2627589

Re: U.S. stocks in free fall

It is time someone stood up and said this. Don't hate the playa, hate the game. The game appears to be taking a turn south tomorrow - at least, as indicated by futures. It'll be interesting to see if the market removes all of today's gains - or more. I am seeing a marginal (in relative terms to the...
by gas_balloon
Mon Mar 23, 2020 2:50 pm
Forum: Investing - Theory, News & General
Topic: Better to buy after ex-dividend date or reinvestment date?
Replies: 5
Views: 232

Re: Better to buy after ex-dividend date or reinvestment date?

People do a really good job of arbitraging the ex dividend date. I don't think it matters about the underlying investments. If it's a fund, then by definition it won't matter. The fund calculates what it's worth and so it'll be right. Taxes of course do matter. Primary motivation for asking the que...
by gas_balloon
Mon Mar 23, 2020 2:49 pm
Forum: Investing - Theory, News & General
Topic: Better to buy after ex-dividend date or reinvestment date?
Replies: 5
Views: 232

Re: Better to buy after ex-dividend date or reinvestment date?

The difference is the potential tax owed on the dividends. Buying after the ex dividend date would be best. Great, thanks. I will place orders on Wednesday 3/25 then. I would be cautious lumping into this market. Some small dollar cost average buys might be fine, but I think you should get a cleare...
by gas_balloon
Mon Mar 23, 2020 2:17 pm
Forum: Personal Investments
Topic: Dividend dates?
Replies: 2
Views: 161

Re: Dividend dates?

I just posted the link in a question I posted few mins ago at viewtopic.php?f=10&t=309213

The link is https://investornews.vanguard/upcoming- ... formation/
(p.s. its easier to search on Google than Vanguard's website)
by gas_balloon
Mon Mar 23, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: Better to buy after ex-dividend date or reinvestment date?
Replies: 5
Views: 232

Better to buy after ex-dividend date or reinvestment date?

DW and I made a decision to not purchase a bigger home, but stay put in our current smaller house. We had been saving up for down payment in cash-equivalent for some time, so have a large cash amount to deploy into the market (Taxable/Brokerage account). Since we are close to the dividend date, I wa...
by gas_balloon
Tue Mar 17, 2020 10:05 am
Forum: Investing - Theory, News & General
Topic: Selling replacement stock units - wash sale / TLH
Replies: 3
Views: 190

Re: Selling replacement stock units - wash sale / TLH

mega317 wrote:
Tue Mar 17, 2020 3:58 am
No wash. Watch out for your IRA though.
Great, thanks. Yes selling it everywhere I bought in the past 30 days and moving to IJS.
by gas_balloon
Mon Mar 16, 2020 5:59 pm
Forum: Investing - Theory, News & General
Topic: Selling replacement stock units - wash sale / TLH
Replies: 3
Views: 190

Selling replacement stock units - wash sale / TLH

I bought several units of VTSAX on 02/27/2020. They are all trading at a loss, along with older lots of VTSAX that I bought from few months ago. I am using SpecID accounting method. Since my most recent purchase is within the 30-day period, would it still be considered a wash sale if I sell the enti...
by gas_balloon
Mon Mar 16, 2020 3:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18790
Views: 2627589

Re: U.S. stocks in free fall

Looking to TLH from VTSAX. Should I do it now or after the ex-dividend date (3/25)?
by gas_balloon
Mon Mar 16, 2020 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

Ugh... I opened a bunch of No-Penalty CDs before the rate drop at 1.90% APY.... But they are all in Trust ownership. I suppose I can't use those for this promo if I fund it today? What if I transfer to my Joint savings account first, and then use my savings account to fund the CDs owned by trust? Wo...
by gas_balloon
Sun Mar 15, 2020 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

BlackcatCA wrote:
Sun Mar 15, 2020 4:30 pm
Wondering if Ally would honor this now that Fed has lower rates to near zero... transfers are still going for many.
I'd think another rate cut was anticipated, so they should have considered it before ordering the bonus any way.
by gas_balloon
Sat Mar 14, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

In the past when they have had such offers, we have been able to use our joint account to get the bonus for both me and my spouse. I wonder if we can still do that by transferring $25K each from our respective login to the same savings account. Not sure I understand this language in the FAQ regardi...
by gas_balloon
Fri Mar 13, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

I just opened in the last 2 weeks a large amount in ally no penalty CDs. So I can close some, move the money to my other bank, then move it in for this bonus? doubt it... that won't be considered new money. You need to have a total balance (across all Ally accounts) higher than your balance on 3/13...
by gas_balloon
Fri Mar 13, 2020 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 136
Views: 33986

Re: Replacement for Google Finance price quote function

Thanks. Unfortunately, it looks like this won't work for my 401k funds that aren't publicly available. For example, I need a quote for TDIT, which is a collective investment trust, and www.fidelity.com/search/autosuggest doesn't return anything for TDIT. I don't have time today to try this, but per...
by gas_balloon
Fri Mar 13, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus, up to $250, sign up by 3/23
Replies: 179
Views: 13650

Re: Ally 1% bonus, up to $250

In the past when they have had such offers, we have been able to use our joint account to get the bonus for both me and my spouse. I wonder if we can still do that by transferring $25K each from our respective login to the same savings account.
by gas_balloon
Fri Mar 13, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 136
Views: 33986

Re: Replacement for Google Finance price quote function

This seems to sort of work -- half the time it shows up in my spreadsheet as "#ERROR (Internal error executing the custom function)". If there are any Google Apps Script wizards in the thread, feel free to improve on this :) I am using the following. It's a different script that I have been using f...
by gas_balloon
Thu Mar 12, 2020 12:31 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting small-cap value (VSIAX to IJS)
Replies: 4
Views: 252

Re: Tax loss harvesting small-cap value (VSIAX to IJS)

What I did for VTSAX->SPY - 1) Submit sell order for VTSAX before market closes. 2) Follow price of VTI(etf version of VTSAX) and based on its % change few mins before market close, estimate NAV that VTSAX will sell for. 3) Using #2, create a buy order for SPY. You can be little conservative and wo...
by gas_balloon
Thu Mar 12, 2020 12:17 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting small-cap value (VSIAX to IJS)
Replies: 4
Views: 252

Re: Tax loss harvesting small-cap value (VSIAX to IJS)

You should be able to sell VSIAX and then right away buy IJS with the unsettled funds, no need to bring in more cash. I just did with this interactive brokers. I hope VG is same, may want to call them & confirm. Thanks. The problem is VSIAX will sell after trading closes (1pm Pacific), so it's impo...
by gas_balloon
Thu Mar 12, 2020 12:03 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting small-cap value (VSIAX to IJS)
Replies: 4
Views: 252

Tax loss harvesting small-cap value (VSIAX to IJS)

Can sometime suggest on a good way to tax loss harvest from a index mutual fund (VSIAX or Vanguard Small Cap Value fund) to an ETF (IJS or iShares Small Cap Value ETF) with Vanguard? I only see option to exchange between mutual funds, or sell/buy as separate operations. Is there any way to harvest l...
by gas_balloon
Sat Feb 29, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Replacing a through-the-wall AC unit
Replies: 1
Views: 200

Replacing a through-the-wall AC unit

My home came with a really old Through-the-wall AC unit made by Amana (Model# 12C2MB). The model is super noisy and does not work properly. I called Amana and the representative told me that this model is no longer manufactured, nor they have a direct replacement for that unit. I am now looking to r...
by gas_balloon
Thu Feb 27, 2020 7:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18790
Views: 2627589

Re: U.S. stocks in free fall

My guess: Chinese market will hit it's lower circuit-breaker (our tonight)... So they'll halt trading, and then tomorrow morning our markets will react to it & bring it further down.

#prepare4rollercoaster
by gas_balloon
Thu Feb 27, 2020 6:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18790
Views: 2627589

Re: U.S. stocks in free fall

This week is finally what I would really call a "free fall". Those 2% one-off down days really did not feel like a fall. This week is a good time to reflect on how you felt about the market. Did you sleep through the week unbothered about the market moves? If so, you have the right allocation for t...
by gas_balloon
Thu Feb 27, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18790
Views: 2627589

Re: U.S. stocks in free fall

This week is finally what I would really call a "free fall". Those 2% one-off down days really did not feel like a fall. This week is a good time to reflect on how you felt about the market. Did you sleep through the week unbothered about the market moves? If so, you have the right allocation for th...
by gas_balloon
Sun Feb 23, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217583

Re: Fidelity as a one stop shop

Hi Fido-one-stop-experts, This is how I've set mine up. 1. Is there a need for CMA, except reimbursement of ATM fees ? Yes, Free worldwide ATM with no minimum assets required, and unlimited checkbooks is the main reason I have CMA. 2. Should I direct my paychecks to be deposited to Brokerage or CMA...
by gas_balloon
Sun Feb 23, 2020 12:45 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18790
Views: 2627589

Re: U.S. stocks in free fall

willthrill81 wrote:
Sat Feb 22, 2020 2:06 pm
thelateinvestor43 wrote:
Sat Feb 22, 2020 1:48 pm
This is exciting guys! :D
Wait until you have six figures or more. Then you'll really see how exciting it can be.
I have 7 figures in the market., still rooting for 5-10% drop. Even though it won't make a huge material difference, it's psychological.
by gas_balloon
Sat Feb 22, 2020 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance 3.25% 7/1 ARM now into 2.875% 15 year fixed?
Replies: 8
Views: 997

Re: Refinance 3.25% 7/1 ARM now into 2.875% 15 year fixed?

Oddly, I am going in opposite direction; re-financing from a 30-yr fixed (3.5%) to a 7/1 ARM (2.875%) with zero points/fees/closing cost. I plan to pay aggressively in the first 7 years and half the loan amount. After that, I can evaluate based on prevailing interest rate if I want to re-fi, let the...
by gas_balloon
Fri Feb 14, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217583

Re: Fidelity as a one stop shop

Does Fidelity offer Zelle? Unfortunately, no. They're debit card salso didn't with on Zelle's site. One of 2 things preventing me from making it a one stop shop. The 2nd thing is safe deposit box rentals. Safe deposit boxes aren’t safe. https://www.nytimes.com/2019/07/19/business/safe-deposit-box-t...
by gas_balloon
Thu Feb 13, 2020 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217583

Re: Fidelity as a one stop shop

Venmo is free, but for some reason most of my friends don't use it. It's difficult to get people to sign up & download another app for one off things like these. Chase & BofA make it really easy for everyone to sign up for Zelle and convenient to use from the same app... So most of my friends have Z...
by gas_balloon
Thu Feb 13, 2020 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217583

Re: Fidelity as a one stop shop

Gemini wrote:
Thu Feb 13, 2020 11:16 pm
Does Fidelity offer Zelle?
Unfortunately, no. They're debit card salso didn't with on Zelle's site. One of 2 things preventing me from making it a one stop shop. The 2nd thing is safe deposit box rentals.
by gas_balloon
Tue Feb 04, 2020 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a bigger home -- or should I buy a bigger home? (Bay area, CA)
Replies: 41
Views: 3980

Re: Can I afford a bigger home -- or should I buy a bigger home? (Bay area, CA)

I'll point out two things: Option 3 gives you a new job as a landlord, with plenty of responsibilities without much financial benefit. "Keep your day job" might be relevant here. That is a good point for sure. My motivation behind that option is that I can always go back to option (2) in few years ...
by gas_balloon
Tue Feb 04, 2020 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford a bigger home -- or should I buy a bigger home? (Bay area, CA)
Replies: 41
Views: 3980

Can I afford a bigger home -- or should I buy a bigger home? (Bay area, CA)

My wife, kid & I live in a 2 bedroom townhouse in Cupertino, CA. The kid goes to a nice elementary school, so school district is important to us. My job is close by from home, my wife doesn't work. My salary is $230K, with Total compensation (including bonus and equity) slightly over 500K. I max out...
by gas_balloon
Mon Jan 20, 2020 3:12 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block deluxe tax+state+fed efile: $20 at Amazon
Replies: 12
Views: 1660

Re: H&R Block deluxe tax+state+fed efile: $20 at Amazon

Anyone switched from TurboTax can tell if you can import the .ttax file from last year fine in H&R?