Search found 737 matches

by arf30
Wed Mar 18, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Telework Problems: Home Office Chair Recommendation please
Replies: 14
Views: 1410

Re: Coronavirus Telework Problems: Home Office Chair Recommendation please

I had work get me a Steelcase Leap V2 for my home office after burning through various cheap chairs over the years.. it's worth spending money on a good chair.
by arf30
Mon Mar 16, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Take out food vs COVID 19
Replies: 95
Views: 6690

Re: Take out food vs COVID 19

There's no way to know if the people who handled and delivered your food are infected, and service industry employees tend to fall into the category of "can't afford to miss work", so I'd be extra cautious.
by arf30
Sun Mar 01, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: My cost basis doesn't match what Vanguard has -- why?
Replies: 10
Views: 719

Re: My cost basis doesn't match what Vanguard has -- why?

Vanguard struggles with cost basis in my experience - you should contact them asap.
by arf30
Fri Feb 21, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1671
Views: 241659

Re: Fidelity as a one stop shop

Gemini wrote: Fri Feb 21, 2020 8:10 pm Can one write checks from a brokerage account i.e. NOT CMA?
Yes
by arf30
Fri Feb 21, 2020 1:25 pm
Forum: Personal Investments
Topic: Has Vanguard deteriorated?
Replies: 114
Views: 10015

Re: Has Vanguard deteriorated?

I don't know that they've deteriorated so much as just not kept pace with their competitors.
by arf30
Fri Feb 14, 2020 10:04 pm
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 11176

Re: Horrible Experience with Vanguard

skd wrote: Fri Feb 14, 2020 9:41 pm I did update my phone number, but that doesn't update it for the security code.
I agree with you there - it should be more clear.
by arf30
Fri Feb 14, 2020 7:05 pm
Forum: Personal Investments
Topic: Horrible Experience with Vanguard [Login account security]
Replies: 163
Views: 11176

Re: Horrible Experience with Vanguard

It sounds like Vanguard did exactly what they should have to keep your account secure - if anything it's on you for not keeping your phone number up to date.
by arf30
Thu Feb 13, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can you stack Sapphire Banking and You Invest bonuses?
Replies: 3
Views: 279

Re: Can you stack Sapphire Banking and You Invest bonuses?

I've had experience with other Chase banking bonuses, in one case they didn't award the bonus, in another case they pulled it back later on.
by arf30
Thu Feb 13, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Can you stack Sapphire Banking and You Invest bonuses?
Replies: 3
Views: 279

Re: Can you stack Sapphire Banking and You Invest bonuses?

You can't stack them, Chase will disqualify you from one or both and/or claw back the bonus later on. What you can do is sign you and your spouse up to each get a bonus separately.
by arf30
Mon Feb 10, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 170
Views: 25589

Re: Chase Sapphire checking 1000$ offer

For those with any experience with doing this, what is the best/easiest way to close the account? Downgrade it to the basic checking account which has a $1500 minimum, pull out all money except $1500, then call, secure message, or go to a branch to the close the account and they'll give you the res...
by arf30
Sat Feb 08, 2020 8:49 am
Forum: Non-US Investing
Topic: Banking ATM card with no international ATM fees and foreign exchange fees
Replies: 24
Views: 8596

Re: Banking ATM card with no international ATM fees and foreign exchange fees

Schwab, Fidelity, and then Chase and Wells Fargo at the higher banking tiers. TD Bank Premier was a candidate until recently when they added a foreign transaction fee. BofA, Ally, Alliant, Capital One either don't refund internationally or have the FTF.
by arf30
Thu Feb 06, 2020 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 66
Views: 4140

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

Mine hit today as well. Was thinking about leaving the 20k in the savings account as it's still paying 1.88% but the interface is so clunky I'll probably pull it back to VG money market.
by arf30
Fri Jan 31, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Is it okay to install home monitoring cameras to watch elderly mom with dementia? What type to use?
Replies: 30
Views: 2839

Re: Is it okay to install home monitoring cameras to watch elderly mom with dementia? What type to use?

We've got Grandma's place rigged up with Nest cameras. They've got 2 way communication so we can talk to her if necessary and we do inform caretakers (and the cameras aren't hidden). In spite of this we've had to replace nurses who were caught on camera displaying bad behavior (sleeping, stealing, n...
by arf30
Wed Jan 29, 2020 11:14 am
Forum: Investing - Theory, News & General
Topic: Fidelity lets clients now trade fractional shares of stocks and ETFs
Replies: 200
Views: 20771

Re: Fidelity lets clients now trade fractional shares of stocks and ETFs

Doesn't look like it's rolled out to me on the web yet, can only put in a buy order for whole number of shares, no partial or dollar amount.
by arf30
Sun Jan 19, 2020 7:37 pm
Forum: Personal Investments
Topic: [Chase told me they can beat index funds]
Replies: 48
Views: 3993

Re: [Chase told me they can beat index funds]

Salesman compensation is tied to how much they sell - they're incentived to tell you whatever it takes to close the deal.
by arf30
Mon Dec 30, 2019 5:58 pm
Forum: Personal Investments
Topic: Daring to dream of Retirement - Portfolio Review Request
Replies: 5
Views: 452

Re: Portfolio with IBM 401k - Request for Health Check

You haven't included them here but the IBM 401k has Vanguard institutional class target funds (not the IBM target funds) - I would choose one of those and be done.
by arf30
Mon Dec 23, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7455

Re: What tech wiring in new build house?

We ran cat6 to every room just in case, allowed us to hard wire the mesh WiFi system for better performance and a few other gadgets here and there. The TV antenna runs into a USB tuner so so need to wire for coax.
by arf30
Fri Dec 20, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Advice for getting an interview for IT jobs at Vanguard
Replies: 28
Views: 2420

Re: Advice for getting an interview for IT jobs at Vanguard

I've seen a couple resumes come across my desk from ex Vanguard developers lately, mostly Java/J2EE/Spring people. If you have that skillset it might be worth applying, unless they're reducing headcount or switching their tech stack.
by arf30
Sun Dec 15, 2019 4:12 pm
Forum: Investing - Theory, News & General
Topic: How to use limit orders / do I need limit orders?
Replies: 61
Views: 3884

Re: How to use limit orders / do I need limit orders?

In my limited (no pun intended) experience placing limit orders at or 1 cent below ask on VTI never seem to fill, so back to mutual funds I went.
by arf30
Thu Dec 12, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Check Cashing Business
Replies: 40
Views: 2409

Re: Check Cashing Business

I've read that the rise of prepaid debit cards (AMEX Bluebird, etc) have skimmed off the "top layer" of the unbanked, leaving the higher risk people who don't qualify for any banking services (or are avoiding them) remaining for check cashing and similar services to fight over.
by arf30
Wed Dec 11, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefits?
Replies: 83
Views: 12507

Re: What is the best 2% cash back credit card w/ no annual fee, now that Citi has stripped the Double Cash of key benefi

After Citi removed the price rewind feature (which was worth a few hundred per year) we've switched to the Fidelity 2% card as they send the cash back into your account automatically, vs Citi who requires you to log in and transfer (probably hoping people forget to do it). Also didn't like that our ...
by arf30
Fri Dec 06, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10430

Re: Why I love banks

It may not be as important to the Bogleheads demographic but local credit unions and banks have terrible online banking and mobile apps which is an instant turnoff for younger generations (mega CUs like Alliant are an exception). Shared branching is hit or miss as well - CU employees are often confu...
by arf30
Fri Dec 06, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Cable Cord Cutting more complicated than expected
Replies: 96
Views: 8412

Re: Cable Cord Cutting more complicated than expected

In my experience the secret to cord cutting is to use the most powerful streaming box in the ecosystem of your choice - that means skip the cheap sticks and smart TV software and get the Roku Ultra 4k, Apple TV 4k, Fire TV Cube, Nvidia Shield TV. Even on my 2019 Samsung Q90R the built in smart TV so...
by arf30
Thu Dec 05, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2019 Deluxe vs Premier
Replies: 15
Views: 1183

Re: TurboTax 2019 Deluxe vs Premier

Doesn't Premier have the stuff for handling stocks & bonds? Of course you can just go to the tax forms and edit the data in yourself, but not everyone knows how to do that.
by arf30
Tue Dec 03, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Neighbor still using driveway, shoveling path to their garbage
Replies: 40
Views: 2746

Re: Neighbor still using driveway, shoveling path to their garbage

I would smile and wave, say nothing, throw up a big sturdy fence as soon as possible, then act clueless if they bring it up. There's usually no advantage in being confrontational with neighbors.
by arf30
Mon Dec 02, 2019 4:23 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6785

Re: Airline overhead bins...do you think they're assigned?

In your situation I probably would have let the flight attendant handle things - however the airlines definintely love cramming too many people on a plane and putting their customers in situations where they have to fight over stuff like this.
by arf30
Sun Dec 01, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Gizmodo Ring Doorbell Article - Is Nest (Google) any better or is this the world we live in?
Replies: 19
Views: 1252

Re: Gizmodo Ring Doorbell Article - Is Nest (Google) any better or is this the world we live in?

We've got the Nest Hello and it's been pretty great at letting us know when people or deliveries show up. Also lets us disable the internal doorbell for times we know someone's coming and we don't want the dog barking. We didn't get it for security purposes so I can't comment on that aspect.
by arf30
Sat Nov 30, 2019 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union security?
Replies: 8
Views: 786

Re: Alliant Credit Union security?

I've noticed some sites have fake 2FA - TD Bank for example requires a code when logging in through desktop, but not through the mobile website. It's possible Alliant has a similar loophole and all they needed was your username and password.
by arf30
Wed Nov 27, 2019 6:42 pm
Forum: Investing - Theory, News & General
Topic: Amazon dumps Vanguard for Fidelity for it 401K plan
Replies: 22
Views: 4536

Re: Amazon dumps Vanguard for Fidelity for it 401K plan

I work at a Fortune 50 and Fidelity is custodian for the 401k/HSA/health benefits, they do a good job and Vanguard institutional funds are offered if you know where to look.
by arf30
Wed Nov 27, 2019 2:21 pm
Forum: Personal Investments
Topic: So I had my free phone call from Personal Capital . . .
Replies: 43
Views: 6181

Re: So I had my free phone call from Personal Capital . . .

I put my Google Voice number into Personal Capital so they're never able to bother me, otherwise it's a pretty decent aggregator.
by arf30
Sun Nov 24, 2019 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Two Factor Authentication ---Living Abroad
Replies: 58
Views: 3183

Re: Two Factor Authentication ---Living Abroad

Can you use a US Google Voice number? I use this for sites that require SMS 2FA. Otherwise go with a provider that uses token or authenticator 2FA instead, it's more secure and doesn't require them to send you a code.
by arf30
Sun Nov 17, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Chase bonus require in-person sign up?
Replies: 11
Views: 1447

Re: Why does Chase bonus require in-person sign up?

They've started doing this recently with the larger bonuses to curb out of area bonus chasers - they want local customers who will use the bank long term.
by arf30
Sat Nov 16, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1671
Views: 241659

Re: Fidelity as a one stop shop

Checking 1 for bill pays, other recurring debits/credits, funded by DD paycheck. Overdraft from savings 1. Debit card lives in a drawer and is used only for auto-pays. Checking 2 for cash spending, like gas, groceries, etc. funded monthly from checking 1. Overdraft from savings 1 also. Debit card S...
by arf30
Fri Nov 15, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity ([Elan]) card eBill
Replies: 30
Views: 2555

Re: Fidelity (Elon) card eBill

Mine auto pays and auto redeems with no issues, haven't had to look at it since the intial setup.
by arf30
Fri Nov 15, 2019 8:09 am
Forum: Personal Investments
Topic: Vanguard funds at Merrill Edge is there a catch?
Replies: 16
Views: 1126

Re: Vanguard funds at Merrill Edge is there a catch?

The main "catch" (beyond any fees) that I've seen bite some family members is that the agreement between your broker and the mutual fund provider can end at any time, leaving you with funds that you can't buy or sell, or have to transfer out, or worst case you're forced to liquidate. ETFs won't have...
by arf30
Thu Nov 14, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 92
Views: 13259

Re: Disturbing experience with Ally Bank

I just did a pull from Alley to my Marcus account yesterday for $25k. I was surprised when they told me it would take three days instead of one day to pull that amount. The transfer will not be complete until Monday, the 18th even though the Marcus account shows today that the $25k has been debited...
by arf30
Thu Nov 14, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Employer requesting increased travel
Replies: 36
Views: 3136

Re: Employer requesting increased travel

I once left a job that required a lot of travel for one that promised no travel (but not in writing - my mistake). After a few months the new job began increasingly requesting travel, so I played the sick family member card and immediately began job hunting. The strange thing was none of the travel ...
by arf30
Thu Nov 14, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Disturbing experience with Ally Bank
Replies: 92
Views: 13259

Re: Disturbing experience with Ally Bank

Not that it helps now, but it's generally better to "push" from the origin bank, less likely to trip fraud algorithms (this is fairly well known in the bank bonus community as they move money often). Chase is notorious for doing this.
by arf30
Wed Nov 13, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - ACH to/from a "Protected Goal" account
Replies: 21
Views: 1658

Re: Simple Bank - ACH to/from a "Protected Goal" account

Aside from the above, is everyone satisfied with this bank? Looks like a good bonus with few hoops. I can't imagine anyone actually using this as a bank, beyond maybe a college student who just wants to park a few bucks. Even then a student checking account at any other bank is probably a better id...
by arf30
Wed Nov 13, 2019 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 131
Views: 16696

Re: Are complicated credit card cash back strategies worth it?

You'll actually make more money from sign up bonuses, so we just use the 2% Fidelity card, 5% Amazon/Whole Foods card, and do the minimum spending on whatever card we're working on a bonus for.
by arf30
Tue Nov 12, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Would you buy a Galaxy S9 now?
Replies: 31
Views: 2154

Re: Would you buy a Galaxy S9 now?

The S9 is a solid phone but I'd wait to see what black Friday sales bring on the S9 and S10 first.
by arf30
Tue Nov 12, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1671
Views: 241659

Re: Fidelity as a one stop shop

I've tried several times to get Fidelity to modify the limits on the debit card without luck, although one particularly knowledgeable rep recommended creating a separate CMA just for ATM/debit activity (which everyone here has already figured out).
by arf30
Mon Nov 11, 2019 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - ACH to/from a "Protected Goal" account
Replies: 21
Views: 1658

Re: Simple Bank - ACH to/from a "Protected Goal" account

I wasn't able to find a routing number for the protected goal as their website design is so bizarre. That's ok though, as I'll just be using the safe to spend account for one transfer in, one transfer out before closing it.
by arf30
Sun Nov 10, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 762

Re: Cashing EE bonds

I just got a stack of EE bonds from my parents who were cleaning out their attic - most were close to or past maturity. You can tell this by entering the serial numbers on the treasury direct website. Your options are to take them to your local bank (I did this and had the money in my checking accou...
by arf30
Sat Nov 09, 2019 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?
Replies: 21
Views: 3200

Re: Singles/DINKs in HCOL/VHCOL areas, can you please share your budget?

NYC suburb: Mortgage + taxes: 3000 HOA: 300 Utilities: 200 Services (phone, internet, streaming, security etc): 200 Groceries (Whole Foods): 500 Eating Out/Social: 600 Transportation (2 cars, 1 paid off, gas, tolls, insurance, lease): 700 Travel: 500 averaged out Misc household (furniture, appliance...
by arf30
Wed Nov 06, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: How common is ACH fraud on checking accounts?
Replies: 55
Views: 11602

Re: How common is ACH fraud on checking accounts?

Someone at work was just hit by this - they pulled 10k out of her rarely touched savings account. The fraud department told her it was likely someone trying random account numbers.
by arf30
Wed Nov 06, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: Spectrum Internet has a good scam going
Replies: 63
Views: 10840

Re: Spectrum Internet has a good scam going

The proper way to cancel with shady companies (like gyms) is to send a cancellation letter through certified mail, they can't legally ignore it and it provides you with a legal paper trail in case there are any issues down the road.
by arf30
Tue Nov 05, 2019 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6913

Re: Fidelity - promotion bonus

This thread details all the current brokerage bonuses, I would ask there: viewtopic.php?f=10&t=196884&start=1900
by arf30
Sun Nov 03, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34881

Re: You get hacked, lost a lot of money. What can you do?

- For websites where SMS 2FA can't be disabled (Vanguard, Chase, etc) use a Google Voice number - For your Google account and other websites where you can remove SMS 2FA, disable SMS 2FA and use authenticator+backup codes or hardware tokens like Yubikey - On your mobile phone, make sure SIM PIN is e...