Search found 102 matches

by Generator515
Sun Dec 09, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Disneyland Airbnb or suite
Replies: 6
Views: 683

Re: Disneyland Airbnb or suite

There is a Homewood suites that has a shuttle right to Disneyland. Right across street is Target for some grocery shopping.

There are also two residence inn in the locale as well.
by Generator515
Sat Dec 08, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597911

Re: What's Your Credit Card Rewards Strategy?

Any thoughts on BoA Premium Rewards CC ? 50,000 pts = $500 signup, and a few other benefits. Normally, I like to go with transferrable points or UA/AA miles, but there really aren't any I'm eligible for right now. ADDED: I should add I'm Platinum Honors I have a bunch of other cards but I put a lot...
by Generator515
Mon Dec 03, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3265

Re: Pixel 3 early adopters: any feedback?

TravelGeek wrote:
Mon Dec 03, 2018 9:05 pm
Generator515 wrote:
Mon Dec 03, 2018 8:52 pm
Have seen some reports after the update RAM usage has gone down about 30% after the update.
Last I checked my Pixel doesn’t see the update yet.
Move did not come automatically. I went to settings and had it search for updates and then it popped up.
by Generator515
Mon Dec 03, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Pixel 3 early adopters: any feedback?
Replies: 42
Views: 3265

Re: Pixel 3 early adopters: any feedback?

Mainly curious about early reliability. I typically wait a while for a model to be out so that engineering and manufacturing can work out the bugs. Apparently the Dec update is going to fix some issues alluded to upthread with the camera and memory management (that I haven't personally experienced,...
by Generator515
Sun Dec 02, 2018 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity atm/debit card - can’t handle multiple accounts?
Replies: 9
Views: 693

Re: Fidelity atm/debit card - can’t handle multiple accounts?

Opened 2 checking accounts with fidelity, same name everything —- and they send me 2 different atm cards. I ask if I could have 1 card access both accounts — they say it is not possible? Is this correct? I have never heard of any bank that can not handle a single card with multiple accounts? I made...
by Generator515
Wed Nov 07, 2018 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA Transfers
Replies: 7
Views: 616

Re: Fidelity CMA Transfers

Spirit Rider wrote:
Wed Nov 07, 2018 8:29 pm
You set it up on the IRA side as an automatic investment.

Don't get me wrong, I like Fidelity's CMA. However, in this day in age it is extremely lame that you can not schedule transfers.
Thanks. As in input the account and routing number and treat like an external third party account?
by Generator515
Wed Nov 07, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA Transfers
Replies: 7
Views: 616

Fidelity CMA Transfers

Just signed up for a Fidelity CMA account. Planning on having it replace my checking account. Would anyone be able to let me know how I can schedule transfers to my other fidelity accounts (eg for my monthly IRA contribution)? I can not seem to find a way to set this up.
by Generator515
Fri Aug 10, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78507

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

I think the big issue is that Fidelity is now requiring no minimum amount to invest while Vanguard requires $3000 to invest and $10000 for admiral shares. Fidelity's shares will all be equal to Vanguard's admiral shares in expense ratio. Removing minimums is one of the more significant changes that...
by Generator515
Tue Aug 07, 2018 9:49 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78507

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

While I would not recommend Vanguard as a brokerage, in fairness all iShares ETFs will be commission free as of this month. [/quote] Yes they will be. My point though is we have how many pages of discussion with many posts arguing despite the higher ER Vanguard is still more efficient due to taxes....
by Generator515
Tue Aug 07, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 762
Views: 78507

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Lot of discussion on taxes which really impact only taxable investing. For someone investing for their IRA (which should be funded before taxable) these moves put the fidelity funds as the cheaper option. Combine that with the ability to get ITOT and IXUS (both at least as tax efficient as VTI) in t...
by Generator515
Mon Mar 12, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Excess Cash Allocation Critique Please
Replies: 3
Views: 612

Re: Excess Cash Allocation Critique Please

Similar situation to you. I am doing it fairly similar with a portion to investments and a portion to the mortgage. As the board noted do not over think it and start with the plan.
by Generator515
Sat Mar 10, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for Upgraded House in 2-3 Years?
Replies: 5
Views: 933

Re: Saving for Upgraded House in 2-3 Years?

Olemiss540 wrote:
Sun Dec 31, 2017 1:42 pm
That's what I am doing currently. Sounds like a plan!
Does sound like there plan though I constantly question whether it is the right one or not. Would it be better served going to something conservative like a AOK (I shares conservative ETF).
by Generator515
Tue Feb 20, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Jersey shore vacation cost
Replies: 9
Views: 1489

Re: Jersey shore vacation cost

My wife and I are taking our 3 daughters (6, 10, 14) to Wildwood Crest 7/1 - 7/8. We've been there before, as well as Ocean City and Long Beach Island. We've always had a good time and the kids love it. We booked a condo through VRBO, with total cost being about $3,700 for 7 nights (this includes t...
by Generator515
Wed Jan 31, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity index with less than 2500 minimum?
Replies: 13
Views: 2991

Re: Fidelity index with less than 2500 minimum?

Just a thought but what about considering Schwab? Low expenses and funds with minimum of $100 You left out the decimal point. All of their equity index mutual funds have a minimum purchase of $1.00. Bond funds do appear to be $100, but not equity. Yes for additional contributions but to start you n...
by Generator515
Sun Jan 28, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity index with less than 2500 minimum?
Replies: 13
Views: 2991

Re: Fidelity index with less than 2500 minimum?

Just a thought but what about considering Schwab? Low expenses and funds with minimum of $100
by Generator515
Thu Jan 11, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 31
Views: 5374

Re: Merrill Edge - Platinum Honors

Thank you. I am still in the accumulation phase so the near cash isn't as of a concern to me. I would either be in BND or SCHZ from a bond perspective.
by Generator515
Thu Jan 11, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - Platinum Honors
Replies: 31
Views: 5374

Merrill Edge - Platinum Honors

Recently begun the shift of some assets to Merrill to take advantage of their rewards program. In two months I will be Platinum Honors. Currently debating if it all should go there (from Fidelity) to simplify life. I could then buy Vanguard or Schwab or whatever ETF I wanted commission free. I have ...
by Generator515
Sun Dec 31, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for Upgraded House in 2-3 Years?
Replies: 5
Views: 933

Saving for Upgraded House in 2-3 Years?

The tax plan has me thinking of the best way to save for our next house in 2-3 years. I know for short term purchases generally I should be looking at short term investments like cash and CDs to protect it. That said what is the best plan for something 2-3 years away? Prior to 2018, we had been doin...
by Generator515
Mon Nov 20, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Which BoA Credit Card to use?
Replies: 24
Views: 2462

Re: Which BoA Credit Card to use?

Just throwing it out there, but if spending that much and not opposed to an annual fee...if you are doing a good part of your grocery shopping at an actual supermarket, the Amex Blue Cash preferred gives 6% cash back on groceries ($6K for the year) for a $95 annual fee. Use that card for groceries a...
by Generator515
Thu Nov 16, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Res - Anyone use Trip Canc Insurance
Replies: 10
Views: 1406

Re: Chase Sapphire Res - Anyone use Trip Canc Insurance

I used it and had my money back for everything except like $50 of United fees within two weeks. Was a little nervous after making the initial call with all the information they wanted listed in the doctor's note. That said I took the sparse note the doctor provided my daughter and submitted it and s...
by Generator515
Mon Oct 23, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA Match/Limit
Replies: 1
Views: 184

Dependent Care FSA Match/Limit

I just learned my new employer will match 25% of my contributions to the dependent care FSA. They call me at $4k of contributions. So with my $4k and their match it would be a total of $5k. I know the IRS limit for contributions is $5k. Could my wife then theoretically have $1k deducted on her end l...
by Generator515
Thu Sep 07, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Schwab, Fidelity, or Vanguard for taxable account?
Replies: 21
Views: 4884

Re: Schwab, Fidelity, or Vanguard for taxable account?

I currently use both Schwab and Fidelity. Until my employer forced me to close vanguard I had one there until May. Was actually If fund selection is your clear top priority go with vanguard. If it is ETFs or anything else I would go with Fidelity or Schwab. I have found the customer service at both ...
by Generator515
Mon Aug 28, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Investing toddler's cash
Replies: 13
Views: 1699

Re: Investing toddler's cash

Thanks to the three of you. I will do some more reason on exactly what a UTMA is and what I would do and need to do going forward
by Generator515
Mon Aug 28, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Investing toddler's cash
Replies: 13
Views: 1699

Investing toddler's cash

I have been giving thought recently as to what to do with the cash by two year has accumulated and wanted to see if she thoughts on here. Currently we have it sitting in a high yield online account (1.1%). Should I be doing more? One thought was getting her I-bonds so The value isn't lost. Another w...
by Generator515
Thu Aug 03, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 4089

Re: LastPass Premium price increasing

Jeff Albertson wrote:You knew this would happen when Logmein bought Lastpass a couple of years ago for $110 million.
In fairness since they bought it they made most of the premium features free.
by Generator515
Wed Jun 28, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Overdraft due to backdoor account transfer
Replies: 1
Views: 354

Overdraft due to backdoor account transfer

I need to move all my accounts from vanguard to Schwab as a result of a new job. I held a Roth IRA and a traditional IRA at vanguard among other accounts. I currently backdoor contribute to my Roth. I had cash sitting in my traditional that I moved over to the Roth 8 days ago (the cash was in the tr...
by Generator515
Wed Jun 28, 2017 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 20
Views: 2862

Re: Best Alternative to Vanguard (Taxable Investing)

Recently just started a job that is requiring me to shut down my vanguard account. Decided to go with Schwab so I could set the mutual fund investments at $0 and have it all be automatic (no worry about $10k min or trading ETFs). Still in the process of moving it all over but to date their customer ...
by Generator515
Sat Jun 10, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance With New 401K Plan
Replies: 3
Views: 668

Re: Assistance With New 401K Plan

Sorry just wanted to bump once to see if any additional opinions/thoughts
by Generator515
Wed Jun 07, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: Assistance With New 401K Plan
Replies: 3
Views: 668

Re: Assistance With New 401K Plan

Interesting fund options. 1) seems like a good option for the bond portion. 10) for US. There might be some overlap with 12) for small cap. I would probably skip 12) for simplicity 13) and 15) for International, maybe 70% developed and 30% Emerging (others may flip that or go closer to 50/50) Do no...
by Generator515
Tue Jun 06, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance With New 401K Plan
Replies: 3
Views: 668

Assistance With New 401K Plan

Just started a new job this week and am seeking advice on my 401k plan selections. Any help would be appreciated. I am 33 and am seeking an 85/15 equity/fixed income ratio. Tax Bracket is between the 28% and 33% brackets. For the equity, I am aiming for a 65/35 split on the domestic/international eq...
by Generator515
Wed May 24, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed fund instead of Bond fund?
Replies: 8
Views: 733

Re: Guaranteed fund instead of Bond fund?

Funny, I am starting a new position at megacorp insurance company at the beginning of June and this was a question I was looking in to. Looking at the little synopsis I could find it seems like this could be a replacement with less volatility. Mine is paying 3.5% less a 0.23% expense ratio. The prio...
by Generator515
Tue Apr 25, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Potential New Job: Career Faux Pas
Replies: 6
Views: 1320

Re: Potential New Job: Career Faux Pas

I too have kicked this around in my head. The only way I would do something like you mentioned is if I disliked something about my current Job so much that I needed to move or if I was making a move into a new industry (take a step back to eventually take a step forward). If you think there is a po...
by Generator515
Tue Apr 25, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Potential New Job: Career Faux Pas
Replies: 6
Views: 1320

Potential New Job: Career Faux Pas

Is it a major mistake to take a new position that at best is lateral bit could also be a slight downgrade? I am in the final interview stage for potential new job. I would be joining a fortune 50 company after leaving a small local PE shop. Work in a finance role. Compensation at the new one is slig...
by Generator515
Sat Apr 01, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Schwab offering .03% ER
Replies: 75
Views: 5611

Re: Schwab offering .03% ER

I see it as Schwab using loss leaders to get people in who then start trading (not all people, but enough) or use their other services. Pretty clever marketing move. This could very well be but I don't think so. First Vanguard has seen more growth than any other firm. Sure firms want to sell their ...
by Generator515
Mon Mar 06, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Combing Vanguard Accounts - Husband/Wife
Replies: 2
Views: 412

Combing Vanguard Accounts - Husband/Wife

So after 6 years of marriage my wife and I are converging from partially mixing finances to fully doing it. Currently we have three taxable accounts at Vanguard (husband taxable, wife taxable and joint taxable). Is there a way for us to fold the husband and wife accounts in to the current joint acco...
by Generator515
Wed Feb 22, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Cash for my Toddler
Replies: 4
Views: 581

Re: Investing Cash for my Toddler

I set up separate CDs to hold long term gift funds for our kids. Recently it got to be enough that it was worth it to invest but I wanted to keep the money in our name as long as possible rather than do UGMA accounts that they would inherit directly at 18 or 21. My solution was to put it in a separ...
by Generator515
Wed Feb 22, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing Cash for my Toddler
Replies: 4
Views: 581

Investing Cash for my Toddler

I have a 2 year-old and through various gifts from family she has already amassed about $8K. My wife and I have kept this money in a high yield account at Barclays in her name. Sitting her now I was thinking about potentially opening a CD for her (might as well earn the extra % or so since she won't...
by Generator515
Mon Feb 20, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2976

Re: Reporting backdoor Roth IRA with H&R Block

Just finished mine yesterday and it treated it correctly. As someone notes above, it is confusing. First with the language but secondly in that when you enter the distribution it seems as if it isn't doing it correctly but when you get to the IRA contribution area at the end of that interview area y...
by Generator515
Fri Oct 21, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 216
Views: 39695

Re: Chase Sapphire Reserve

OP here. Just applied for this online and no immediate answer yet as they need to review it. Perhaps we should have walked into a branch... Call the reconsideration line. More often than not you will get an answer on the spot. I was also told they need to get back to me. I called and was told they ...
by Generator515
Fri Oct 21, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Concerns about Reduced Data Speed on MNVO
Replies: 20
Views: 1917

Re: Concerns about Reduced Data Speed on MNVO

From my research, the reduced Cricket speeds wont impact navigation or music streaming too much. The multiple reports I read for an app like Pandora or Spotify it might take a little longer to start up but once going you are good. I believe you really notice it if trying Netflix or YouTube. For what...
by Generator515
Mon Oct 17, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 32375

Re: How much is your cell phone bill?

Cricket $35/month will change to their $30 1GB plan on 9th. I do not pay anything as I have over $1500 account credit in referral and switcher credits and cricket rewards. I have maxed out my cricket rewards and referral credits for the year. So waiting for Jan. 1st to start again. I use a LG risio...
by Generator515
Wed Oct 05, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 6856

Re: Credit cards that have annual fee's, do you have any?

Three: American Express Blue Cash Preferred - With a young family the 6% back at grocery stores plus the random cash back deals this easily pays back the newly increased fee of $95 United Mileage Plus Explorer - Signed up for this with the 70k miles promo. It could go either way if I keep or cancel....
by Generator515
Wed Sep 21, 2016 7:00 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3054
Views: 597911

Re: What's Your Credit Card Rewards Strategy?

madbrain wrote:
protagonist wrote:

The Prestige and Reserve travel partners are different. And for non-award fares, there is 1.6cpp redemption on AA, which is better than 1.5cpp with Chase.




Believe I read the Prestige is changing the redemption for AA (and all airlines) to be a flat 1.25 redemption rate
by Generator515
Tue Aug 30, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 2874

Re: Upcoming Road Trip Restaurant Recommendations

Philly, if looking DDD, check out Good Dog. More of a bar like atmosphere with tables scattered around. We all had the burgers there and it was fantastic.
by Generator515
Sun Aug 28, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 16491

Re: Who is ready for iphone 7?

If you can hold on till October, the two new Google Nexus smartphones will be out! Current and future generation Nexus phones support Google's Project Fi multi-vendor cell service and work around the world without swapping SIM cards... This. That is my plan. Pickup the new sailfish and switch to Fi...
by Generator515
Sun Aug 28, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: T-Mobile New 'One' Plan
Replies: 27
Views: 4674

Re: T-Mobile New 'One' Plank

Pretty good deal if you use your phone for entertainment, but I consider it a waste of $$. Cricket is a much better deal, but you don't get Neflix: - $70/month for two lines - $100/month for four lines (or 5 lines for that matter - same price) That's including all taxes/surcharges. Problem with cri...
by Generator515
Fri Aug 26, 2016 9:13 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 2874

Re: Upcoming Raod Trip Restaurant Recommendations

Depending on timing you can drive in to New Brunswick from North Brunswick (or stay there instead). Downtown would have Harvest Moon Brew Pub who makes there own brew. Or always Stuff Yer Face for bolis. It is a college fave (Rutgers is in New Brunswick) was on man vs food and certainly qualifies as...
by Generator515
Fri Aug 26, 2016 12:24 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 15205

Re: Best Use of Ultimate Rewards Points

If you're ineligible for the bonus, you can product change the CSP to the CSR. I was refunded my annual fee on CSP $95 (free first year) and charged the $450 on the same statement. Expiration date and CVR changes but not account history. The $450 annual fee will be covered by $300 in travel credit ...
by Generator515
Mon Aug 15, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: I-Bond Interest Credit
Replies: 6
Views: 1182

Re: I-Bond Interest Credit

soboggled wrote:Because you can cash them in after one year. (If you cash them in before five years, you lose the last three months of interest.)
Sorry, so are you saying I won't see any increase on the site until they hit the 1 year mark (the point I can cash them in)?
by Generator515
Mon Aug 15, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: I-Bond Interest Credit
Replies: 6
Views: 1182

I-Bond Interest Credit

Stupid question but when does TreasuryDirect reflect the increase in an I-Bond due to interest? I purchased some back in April for the first time and the amount showing is still the amount I purchased. On the TD I-Bond FAQ, it says that the value increases each month so just trying to determine why ...