Search found 729 matches

by walletless
Sun Jan 21, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone at Goldman Sachs/Marcus bank 1.5%?
Replies: 21
Views: 1811

Re: Anyone at Goldman Sachs/Marcus bank 1.5%?

doesn't work with mint. big annoyance TBH. +1. I've also been with them for years (since it was GE Capital). No complaints about transfers or customer service, but the intermittent connectivity with Mint is annoying. Integration works fine with Personal Capital so far. In my case, mint perfectly sy...
by walletless
Sun Jan 21, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 71
Views: 3249

Re: Post Your Morningstar Box Style

IJS and VIOV use the S&P 600 and VBR currently the CRSP US Small Cap Value but who knows what the latter will use next year. Why do you think vbr may change what it follows next year? Vanguard has the habit of changing the index of their funds every few years. They just changed the index for three ...
by walletless
Sun Jan 21, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 71
Views: 3249

Re: Post Your Morningstar Box Style

John Z wrote:
Sun Jan 21, 2018 2:01 pm
00 79 00
00 21 00
00 00 00
Curious, What is you Bonds composition?
by walletless
Sun Jan 21, 2018 1:48 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 71
Views: 3249

Re: Post Your Morningstar Box Style

Doc wrote:
Sun Jan 21, 2018 11:08 am
IJS and VIOV use the S&P 600 and VBR currently the CRSP US Small Cap Value but who knows what the latter will use next year.
Why do you think vbr may change what it follows next year?
by walletless
Sat Jan 20, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Post Your Morningstar Box Style
Replies: 71
Views: 3249

Re: Post Your Morningstar Box Style

zaboomafoozarg wrote:
Sat Jan 20, 2018 3:05 pm
Whoever has the most in small value box wins, right?
I though who ever had the highest sum wins !!
by walletless
Wed Jan 17, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: AJ Madison?
Replies: 11
Views: 1072

Re: AJ Madison?

About a year ago when I was in the market for a gas range, I looked at online outfits such as AJ Madison, AppliancesConnection & Goedeker's. All three are authorised dealers that provide delivery & no sales tax outside NJ. I ended up buying from AppliancesConnection & was happy with the purchase. Be...
by walletless
Wed Jan 17, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Over-the-range Microwave recommendations
Replies: 9
Views: 386

Over-the-range Microwave recommendations

Our previous GE microwave works fine, but the door cracked near the handle. A replacement door costs about $120, whereas several well-rated brand new microwaves are a tad under 200.. so we are thinking of just replacing ours with a brand new instead. Anyone here bought an over-the-range 30" microwav...
by walletless
Mon Jan 15, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
Replies: 15
Views: 1147

Re: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory

I have not looked at Schwab Advisory much, but I was frankly underwhelmed with VPAS, especially for 0.30% AUM fees. As part of the service, they do not perform any Tax Loss Harvesting at all. Additionally, from the limited reading I did, you do not have a lot of flexibility in removing certain asset...
by walletless
Sun Jan 14, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 7
Views: 719

Re: Favorite Deal Aggregation site?

Thanks everyone. I'll check out the suggestions on this thread so far.
by walletless
Sat Jan 13, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Favorite Deal Aggregation site?
Replies: 7
Views: 719

Favorite Deal Aggregation site?

I've been using Slickdeals.net for many years. Lately, the site has gone down hill as many frontpage deals seem underwhelming, probably sponsored. I usually use Slickdeals to set deal alerts for things I'm interested in purchasing (currently this list includes electric razor & over-the-range microwa...
by walletless
Tue Jan 09, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Why Roth?
Replies: 7
Views: 986

Re: Why Roth?

Most people here contribute to Roth only after they have exhausted pre-tax avenues such as traditional 401k & tIRA (if eligible for deduction). Only after funding that and your emergency fund should you consider Roth (backdoor or mega backdoor if ineligible at your income levels).
by walletless
Fri Jan 05, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: REITs under new tax law
Replies: 21
Views: 3335

Re: REITs In Taxable - New Tax Law

abuss368 wrote:
Fri Jan 05, 2018 3:37 pm
livesoft wrote:
Fri Jan 05, 2018 9:16 am
At least you can tax-loss harvest your REIT shares held in a taxable account. :twisted:
That is true indeed. Do you have REITs (or have you) in taxable accounts?
I don't own REIT in taxable... but I am curious what would be a good TLH pair for VGSLX/VNQ?
by walletless
Thu Jan 04, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1469

Re: Vanguard takes 2 days to settle tIRA funding?

I was finally able to do the conversion today... but Vanguard Interface is so poor when it comes to purchasing new funds.I want to purchase a brand new admiral fund ($10K min), and pay for it using the $5,500 new cash (from conversion) and $5,000 by selling another fund (Emerging Market). However, t...
by walletless
Wed Jan 03, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1469

Re: Vanguard takes 2 days to settle tIRA funding?

Yes, I had a MF account until mid-2017; they converted it to a brokerage account when I changed ownership to my living trust. When doing so, they also converted my tIRA and roth IRA accounts to brokerage platform. But in both cases I was told that it should not impact settlement timelines for mutua...
by walletless
Wed Jan 03, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1469

Re: Vanguard takes 2 days to settle tIRA funding?

Were you on the old mutual fund platform last year and did you convert to the new brokerage platform during the year? Yes, I had a MF account until mid-2017; they converted it to a brokerage account when I changed ownership to my living trust. When doing so, they also converted my tIRA and roth IRA...
by walletless
Wed Jan 03, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1469

Re: Vanguard takes 2 days to settle tIRA funding?

Whether or not you can convert before the system actually shows today's settlement tomorrow morning is a question I don't know. I'm not at all surprised that the system won't let you convert before it actually shows today's settlement. The system does not allow conversion until settlement is comple...
by walletless
Wed Jan 03, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard takes 2 days to settle tIRA funding?
Replies: 22
Views: 1469

Vanguard takes 2 days to settle tIRA funding?

Hi, In previous years, when I did my backdoor ROTH conversion, I could do it on the 2nd trading day of the year. This year, I initiated funding of my tIRA account on 1/1. I expected the transaction to settle at close-of-trading on 1/2, so I could initiate the conversion today (1/3). However, it seem...
by walletless
Wed Jan 03, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Found a check from two years ago - oops
Replies: 9
Views: 825

Re: Found a check from two years ago - oops

Don't deposit, the fees will be really high for NSF.
Go to the issuing bank & ask them on what you can do
by walletless
Mon Jan 01, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 142
Views: 8353

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2384.01
Just a random guess 😂
by walletless
Sat Dec 30, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305397

Re: What are you up YTD? [Year To Date]

17.4% according to PersonalCapital
I'm quite happy with it, although I'm sure several bogleheads faired even better this year
by walletless
Tue Dec 19, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 49
Views: 9346

Re: Synchrony vs Ally

I didn't much like the interface of the Ally website. Seemed very clunky and like a 16 year old designed it for their high school computer project. I could imagine from what you guys are saying, how bad the Synchrony website must be! For ex, the USAA and Vanguard websites (and apps!) look so polish...
by walletless
Mon Dec 18, 2017 11:40 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 9268

Re: Best 401k Employer Match Structure

My employer matches 50% upto federal Max (i.e. 9k in 2017) This has definitely encouraged several employees to contribute the federal Max of 18k in 401k. However, this probably has very little impact on hiring, I think, since most people are finance-illiterate & don't consider 401k in their decision...
by walletless
Sun Nov 19, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 147
Views: 17584

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

FYI, MoviePass seems to have a promo going right now, $7 per month plus a $6 one-time activation fee for a total of $90 billed annually.... If you have the regular $10 plan, as soon as you log in it asks if you'd like to switch to the new promotional plan. I just activated it for myself and the wif...
by walletless
Mon Oct 30, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 147
Views: 17584

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

got an email today about changes in terms and conditions: MoviePass reserves the right to change the rules of movie-going attendance and ticket availability to members in connection with the Service at anytime. MoviePass reserves the right to change from time to time the number of eligible movies a...
by walletless
Thu Oct 26, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: "Morningstar names best 529 college savings plans for 2017"
Replies: 17
Views: 2892

Re: "Morningstar names best 529 college savings plans for 2017"

I am with Utah since the day I opened my son's 529 4 years ago; and very happy with it.
by walletless
Tue Oct 24, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2385

Re: Running shoes/insoles

I am not a runner by any means; but recently went from being a complete couch potato to walking 7 miles a day to running 30 minutes thrice a week. I started in a similar state initially, where even 5 minutes of running gave me severe shin splints. I think I even had Palantir Fasciitis at one point. ...
by walletless
Sat Oct 14, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 8127

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: 1851

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: 1851

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: 1851

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: 147
Views: 17584

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: 147
Views: 17584

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: 147
Views: 17584

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: 5
Views: 1377

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: 147
Views: 17584

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: 4244
Views: 1146045

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: 8127

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: 1145

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: 1145

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: 431

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: 15569

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: 7089

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: 11735

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: 237

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: 4814

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: 4814

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: 4814

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: 4814

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: 3553

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.