Search found 223 matches

by donfairplay
Tue Apr 13, 2021 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Zelle/Venmo/Cashapp?
Replies: 44
Views: 3859

Re: Zelle/Venmo/Cashapp?

$20,000 is the threshold on Paypal as far as IRS 1099 reporting is concerned. Paypal may send you a 1099 if you receive more than $20,000 on Venmo. You are not likely to ever be audited, but if you are, then yes, all of those credits at various platforms like Paypal, Venmo, CashApp, etc. will be tr...
by donfairplay
Wed Mar 31, 2021 4:56 pm
Forum: Personal Consumer Issues
Topic: Is it time to replace my Roku 3?
Replies: 18
Views: 1189

Re: Is it time to replace my Roku 3?

I have a Roku 3 box that I bought new 7 years ago. I understand that having over 100 channels probably doesn't help performance. (I'm in the process of deleting the channels I don't use. I HATE the fact that deleting channels requires so many steps.) Channels take up more space today than they did ...
by donfairplay
Sat Jan 16, 2021 7:19 pm
Forum: Personal Consumer Issues
Topic: Old Apple iPhone - Worth Replacing Battery?
Replies: 33
Views: 2047

Re: Old Apple iPhone - Worth Replacing Battery?

If you're going to stay on iOS, consider buying a new iPhone SE for the same amount of money (unlock it after 180 days) because Apple will likely kick off the 6s/SE first generation within a year: https://www.metrobyt-mobile.com/shop/deals $49.99 Lots to love. Less to spend. Switch and get the new ...
by donfairplay
Sat Jan 16, 2021 5:54 pm
Forum: Personal Consumer Issues
Topic: Old Apple iPhone - Worth Replacing Battery?
Replies: 33
Views: 2047

Re: Old Apple iPhone - Worth Replacing Battery?

If you're going to stay on iOS, consider buying a new iPhone SE for the same amount of money (unlock it after 180 days) because Apple will likely kick off the 6s/SE first generation within a year: https://www.metrobyt-mobile.com/shop/deals $49.99 Lots to love. Less to spend. Switch and get the new i...
by donfairplay
Fri Dec 25, 2020 3:36 am
Forum: Personal Finance (Not Investing)
Topic: Multi Factor Security Compromised
Replies: 22
Views: 2036

Re: Multi Factor Security Compromised

Thank you for all the responses. Not sure I understand the deep technical discussions. But, I believe the actionable item from the responses, is to check my accounts regularly. I have not been doing this with my Vanguard account but will start checking balances weekly. I am curious though. Does reg...
by donfairplay
Mon Dec 14, 2020 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Chase Bank denies access to my account
Replies: 31
Views: 3586

Re: Chase Bank denies access to my account

The best part about Chase's "security" questions is that you can't change them online, whether its in profile & settings or the security and privacy center. But they still ask you the security question as a gateway if you call into customer service anyway. Hope you remember your answer...
by donfairplay
Thu Nov 26, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: Transmission troubles
Replies: 34
Views: 2433

Re: Transmission troubles

The new tires thing happens, not much he can do about it. I would say its used car shopping time depending on how much money he has. $3,700 might get you something halfway passable for a used SUV if you don't need a third row. SUVs are obviously more expensive nowadays. $1,000 - $5,000? consider goi...
by donfairplay
Thu Nov 19, 2020 2:50 pm
Forum: Personal Consumer Issues
Topic: Theft of catalytic converter ("autocatalyst") ?
Replies: 64
Views: 4393

Re: Theft of catalytic converter ("autocatalyst") ?

hicabob wrote: Thu Nov 19, 2020 11:34 am Why are Priuses targeted so much? Bigger engines have bigger cats so more precious metals which you would think would make big trucks/suvs more of a target.
Harvestable palladium.

https://www.wsj.com/articles/thieves-mi ... 1549803601
by donfairplay
Sat Oct 17, 2020 8:59 pm
Forum: Personal Consumer Issues
Topic: Try Out Verizon While Keeping T Mobile Active?
Replies: 7
Views: 774

Re: Try Out Verizon While Keeping T Mobile Active?

If you're close to a Verizon corporate store, see if they'll let you try out a loaner phone to test out the coverage where you want.
by donfairplay
Sun Sep 13, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3467

Re: Security question on one's passwords

Is it ok to choose a pretty complicated password but the same for all accounts? That's what I do or a slight variation there off. And they're not too complicated. No problem in 20+ years. Using the same security question answer on all accounts? This is as good of an idea as using the same password ...
by donfairplay
Sun Sep 13, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3467

Re: Security question on one's passwords

Is it ok to choose a pretty complicated password but the same for all accounts? That's what I do or a slight variation there off. And they're not too complicated. No problem in 20+ years. Using the same security question answer on all accounts? This is like using the same password as all accounts (...
by donfairplay
Tue Sep 08, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: "Bank of XOM versus 'risk-free treasuries'" since 2009
Replies: 60
Views: 5776

Re: "Bank of XOM versus 'risk-free treasuries'" since 2009

The bank of Exxon is looking awfully attractive again. Nowhere to go but up! Or I mean it could go down to where it was in March when the futures contract rolled over into a negative amount. But then it would go up! And we'd all be rich men and women.
by donfairplay
Mon Aug 31, 2020 2:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6886

Re: Vanguard seems to have web online sign on problem

I can log on but the Account Overview and Balance & Holdings pages get a "The page you requested could not be found" message. TheTimeLord, this post of yours was quoted by the Philadelphia Inquirer. Congrats! (I think) https://www.inquirer.com/business/vanguard-brokers-online-outages-...
by donfairplay
Mon Aug 31, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6886

Re: Vanguard seems to have web online sign on problem

I can log on but the Account Overview and Balance & Holdings pages get a "The page you requested could not be found" message. TheTimeLord, this post of yours was quoted by the Philadelphia Inquirer. Congrats! (I think) https://www.inquirer.com/business/vanguard-brokers-online-outages-...
by donfairplay
Mon Aug 31, 2020 12:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6886

Re: Vanguard seems to have web online sign on problem

For anyone using their Yubikey on Chrome, try logging in at the home page sign-on (scroll down) instead of clicking on the log on button (upper right). It recognized my yubikey and had to memorize it again. The upper right log on page threw an error. That all could have been timing though and was ea...
by donfairplay
Fri Aug 28, 2020 1:43 pm
Forum: Investing - Theory, News & General
Topic: Winklevoss: The Case for $500,000 Bitcoin
Replies: 349
Views: 24270

Re: Winklevoss: The Case for $500,000 Bitcoin

The "Winklevii" aren't suing me for intellectual property theft. They're suing me because for the first time in their lives, things didn't go exactly the way they were supposed to for them.
- Mark Zuckerberg (as played by Jesse Eisenberg), The Social Network
by donfairplay
Tue Jul 21, 2020 5:16 am
Forum: Personal Investments
Topic: Hacking Financial Sites
Replies: 41
Views: 3716

Re: Hacking Financial Sites

I'm a fan of Google Advanced Protection to try to isolate your email address from being simjacked. This may be Hollywood fantasy, by way of New York City, but I find the Mr. Robot scenario quite fascinating: https://en.wikipedia.org/wiki/Mr._Robot Though I don't think an enemy state-sponsored actor ...
by donfairplay
Mon Jun 29, 2020 3:42 pm
Forum: Investing - Theory, News & General
Topic: Personal Capital Acquired
Replies: 37
Views: 4650

Re: Personal Capital Acquired

Sean Parker: You don't even know what the thing is yet. How big it can get, how far it can go. This is no time to take your chips down. A million dollars isn't cool, you know what's cool? Eduardo Saverin: [Sarcastically] You? Sean Parker: [the scene shifts back to the deposition room] A billion doll...
by donfairplay
Sun Jun 21, 2020 2:10 am
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5320

Re: Old Cars & the expenses that go with them

1) Ages and ages ago Consumer Reports had a thorough article on this. But so long ago it might not be valid. I don't think it was their own work, I think they were reporting on a research study. At the time, they claimed that repairs are bimodal--they peak at five years, then decline, then rise aga...
by donfairplay
Sat Jun 20, 2020 11:33 pm
Forum: Personal Investments
Topic: GERM ETF
Replies: 9
Views: 1094

Re: GERM ETF

Personally, I'm holding out for the CURE ETF.
by donfairplay
Sun May 24, 2020 9:40 am
Forum: Investing - Theory, News & General
Topic: Businesses that are permanently destroyed due to COVID?
Replies: 34
Views: 2951

Re: Businesses that are permanently destroyed due to COVID?

Department stores that are publicly traded - Macy's soon because of leverage and an 80% drop in sales. Department stores that were private equity LBO buyouts, Neiman Marcus already happened though. There was already a process in place to replace department stores with trampoline parks and gyms, for ...
by donfairplay
Fri May 22, 2020 4:41 am
Forum: Personal Investments
Topic: Assuming we start paying banks to hold our money (in the US)
Replies: 49
Views: 4409

Re: Assuming we start paying banks to hold our money (in the US)

If we get negative rate savings accounts, then we could get negative rate mortgages.

I'd be like Rich Uncle Pennybags (Monopoly) collecting the most houses and hotels like someone who rolls doubles twice while opponents hit the go directly to jail square.
by donfairplay
Sat May 09, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.
Replies: 80
Views: 5672

Re: COVID-19 has revealed the stark deficiencies in long-term care facilities regardless of ratings.

There was a high-end memory care ($15k monthly) nursing home here in LA that flew in a new admit/patient from NYC in mid-March (March 19) with clear symptoms. See LA Times article: https://www.latimes.com/california/story/2020-05-01/coronavirus-silverado-nurse-death The nurse who did intake on the e...
by donfairplay
Fri May 08, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Amazon issues - cannot even cancel Prime really
Replies: 59
Views: 3932

Re: Amazon issues - cannot even cancel Prime really

Two day shipping guarantee is from the date Amazon ships an item, not from the day you order it. I haven't had any issues with Prime so far during Covid, save one item that got lost. In March several items wouldn't ship for a week or more, but that's mostly gone now. If that is true, they can wait ...
by donfairplay
Sun May 03, 2020 7:47 pm
Forum: Investing - Theory, News & General
Topic: When to sell low? Buffett sells entire airline stake
Replies: 81
Views: 11996

Re: When to sell low? Buffett sells entire airline stake

https://www.bloomberg.com/news/articles/2020-05-01/american-air-stock-price-target-falls-to-just-a-buck-at-evercore Evercore ISI made a pretty good case for a $1 price target for American Airlines. Trading at $12 at the time and currently $10'ish (tennish, tennish anyone?) it has a debt load of $34...
by donfairplay
Sun Apr 26, 2020 9:04 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 452
Views: 33164

Re: Very sophisticated banking scam: Krebs on Security

I do have my credit frozen, which I think is a big help, and encourage everybody to do. The “SIM card” hijacks are truly terrifying to me. wrt credit frozen, I'm not sure it would've helped in this case, the fraudsters opened an online-only bank account. A ChexSystems freeze would help in this case...
by donfairplay
Thu Apr 02, 2020 7:03 am
Forum: Personal Consumer Issues
Topic: Replacing Cable TV with Streaming: Critical Analysis
Replies: 86
Views: 5914

Re: Replacing Cable TV with Streaming: Critical Analysis

The only way to get tennis channel and nbc golf channel in a relatively cost friendly package would be Sling blue package ($30) + Sports extra add-on package ($10). If you figure about $75 or $80 monthly for internet, that brings it to about $120 monthly. The internet providers are letting you strea...
by donfairplay
Thu Mar 19, 2020 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Back out of RE purchase due to Coronavirus
Replies: 10
Views: 1055

Re: Back out of RE purchase due to Coronavirus

Have a home inspection contingency in your contract/agreement? Use it.
by donfairplay
Thu Mar 19, 2020 6:29 am
Forum: Investing - Theory, News & General
Topic: Maybe the Bare Essentials Economy Isn't to be Feared (a rather ruminative post)
Replies: 9
Views: 894

Re: Maybe the Bare Essentials Economy Isn't to be Feared (a rather ruminative post)

Do you really trust corporate America and the many small businesses of America to be completely honest with this giant pool of money? I don't. And what happens to self-employed/contractors/gig workers? It may be intended for working people, and theoretically if every business did this 100% on the up...
by donfairplay
Wed Mar 18, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: How much cash to have during coronavirus panic?
Replies: 146
Views: 11700

Re: How much cash to have during coronavirus panic?

My local Chase's in-person cash dispenser broke (overuse :D , kidding but I really hope not ). Quite a long line, and it is my guess that its because the grocery store next to it looked like something out of The Walking Dead. Chase's in-branch ATM worked though.
by donfairplay
Wed Mar 18, 2020 1:19 pm
Forum: Investing - Theory, News & General
Topic: What will happen if Stock markets are closed?
Replies: 6
Views: 671

Re: What will happen if Stock markets are closed?

Price discovery will happen one way or another. If people want to sell, you can’t hold them off forever. It’s funny how they say that we have free markets, but in actuality they’re only free to operate as long as they go up! :oops: Your shares are 1's and 0's on a brokerage's locked-down platform. ...
by donfairplay
Wed Mar 18, 2020 12:17 pm
Forum: Personal Investments
Topic: Vanguard Website Issues using Chrome?
Replies: 12
Views: 1100

Re: Vanguard Website Issues using Chrome?

Didn't know the website supported Yubikey. Did you get yours from Yubico.com? I bought it from Amazon, but it's the same one you can buy direct from Yubico. The way Vanguard has implemented Yubikey logins is less than ideal, though. When you're prompted to insert your Yubikey, you (or anybody posin...
by donfairplay
Wed Mar 18, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Dentist/Dental hygienist? (in times of COVID)
Replies: 48
Views: 4083

Re: Dentist/Dental hygienist? (in times of COVID)

I have a temporary crown and was waiting for a permanent crown to be installed next week. One week into the temporary crown, my dentist said he was closing the office down for 2 weeks. Plus an additional week after it was cancelled because it was a vacation week or a week in which he wasn't taking p...
by donfairplay
Wed Mar 18, 2020 10:22 am
Forum: Personal Investments
Topic: Vanguard Website Issues using Chrome?
Replies: 12
Views: 1100

Re: Vanguard Website Issues using Chrome?

Yeah, I can't login. It takes me to the 2-factor auth page but doesn't load. I know it because I received the sms with the code but I can't enter it anywhere. My workaround for now is using Incognito mode for Chrome which works. Disabling Adblock plus didn't seem to work. Maybe I need to restart th...
by donfairplay
Wed Mar 18, 2020 10:11 am
Forum: Personal Investments
Topic: Vanguard Website Issues using Chrome?
Replies: 12
Views: 1100

Re: Vanguard Website Issues using Chrome?

My ad blocker (uBlock) is disabled for Vanguard. I assume you're talking about the latest version of Chrome. I'll research that a bit and check on it. (I'm not much of a techie.) Thanks for the response! The vast majority of the time, Chrome updates automatically. You can force an update by pressin...
by donfairplay
Wed Mar 18, 2020 9:46 am
Forum: Personal Investments
Topic: Vanguard Website Issues using Chrome?
Replies: 12
Views: 1100

Re: Vanguard Website Issues using Chrome?

Is anyone else having issues with Vanguard's website when using Chrome browser? I can't log in from certain pages and various links within the site don't work at all. All is normal on Firefox. Maybe it's just me. rehoman I had a problem yesterday when using the adblockplus extension with Chrome whe...
by donfairplay
Tue Mar 17, 2020 9:07 am
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20982

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

Fed reopens crisis era Commercial Paper Funding Facility.

For anyone who didn't think there's a credit problem, here's your wake-up call.
by donfairplay
Mon Mar 16, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 58254

Re: How to get Toilet Paper ? seriously.

Get to the store, not Costco, about 30 minutes or so before they open and they will have toilet paper. They do stock daily. Going to some non traditional places like Staples or Whole Foods should also work out for you, but again, show up at least 30 minutes before they open. I lined up at Ralph's (...
by donfairplay
Mon Mar 16, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 58254

Re: How to get Toilet Paper ? seriously.

Get to the store, not Costco, about 30 minutes or so before they open and they will have toilet paper. They do stock daily. Going to some non traditional places like Staples or Whole Foods should also work out for you, but again, show up at least 30 minutes before they open. I lined up at Ralph's (...
by donfairplay
Mon Mar 16, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 58254

Re: How to get Toilet Paper ? seriously.

Apparently our local Costco restocks every night. I heard from an employee that the trick is to line up a bit before they open and then (their words) run to get it in time. Ridiculous, but I'm considering grabbing a pack that way since we're starting to run low. Here's the problem, in So Cal people...
by donfairplay
Mon Mar 16, 2020 4:07 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20982

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

The world’s economy has been built off cheap money. Some minor bump in the road like Wuhan virus requires near-zero interest rates again? I'm not sure shutting down schools, restaurants, bars, public gatherings over 50 people, in several major states, plus supply chain disruptions and several month...
by donfairplay
Sun Mar 15, 2020 7:41 pm
Forum: Investing - Theory, News & General
Topic: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20
Replies: 396
Views: 20982

Re: Fed Slashes Rates to Fight Coronavirus Slowdown WSJ 3/15/20

infinitejustice wrote: Sun Mar 15, 2020 7:22 pm That's not the scary part.

Axios is reporting that banks no longer have a reserve requirement.

They can now borrow at 0% and lend infinite amounts of money.
The Federal Reserve. Now with 100% less reserve!
by donfairplay
Thu Mar 12, 2020 12:40 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325183

Re: Coronavirus and the market

You've quoted that post at least 4 or 5 times on different threads at different times on this forum. That's demonstrably false. Outside this thread, where I posted it once, I might have posted it in one other thread one time. I was unaware of its existence until about a week ago. But you don't quot...
by donfairplay
Wed Mar 11, 2020 11:51 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325183

Re: Coronavirus and the market

If you can't handle a market downturn, turn in your Boglehead card. You can submit it to Taylor and then slink off into the night. I'm guessing that you haven't read this thread that Taylor wrote about the concept of the maximum tolerable loss. Adrian's Forumula can be a big help. It tells us that ...
by donfairplay
Wed Mar 11, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4089
Views: 325183

Re: Coronavirus and the market

If you can't handle a market downturn, turn in your Boglehead card. You can submit it to Taylor and then slink off into the night. I'm guessing that you haven't read this thread that Taylor wrote about the concept of the maximum tolerable loss. Adrian's Forumula can be a big help. It tells us that ...
by donfairplay
Mon Mar 09, 2020 7:44 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks in a Extremely low interest rate environment
Replies: 22
Views: 3779

Re: Dividend stocks in a Extremely low interest rate environment

Exxon is about to be down about 40%, before dividends, from Sep 12,2019. Perhaps, but financially strong companies don’t go bankrupt because there is a dislocation in securities markets. They go bankrupt because they are financially weak. There will be ALOT more companies lining up at the bankruptc...
by donfairplay
Mon Mar 09, 2020 3:07 pm
Forum: Investing - Theory, News & General
Topic: Dividend stocks in a Extremely low interest rate environment
Replies: 22
Views: 3779

Re: Dividend stocks in a Extremely low interest rate environment

Exxon is about to be down about 40%, before dividends, from Sep 12,2019. Perhaps, but financially strong companies don’t go bankrupt because there is a dislocation in securities markets. They go bankrupt because they are financially weak. There will be ALOT more companies lining up at the bankruptc...
by donfairplay
Mon Mar 09, 2020 4:29 am
Forum: Investing - Theory, News & General
Topic: Dividend stocks in a Extremely low interest rate environment
Replies: 22
Views: 3779

Re: Dividend stocks in a Extremely low interest rate environment

Exxon is about to be down about 40%, before dividends, from Sep 12,2019.
by donfairplay
Sun Feb 23, 2020 1:19 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion
Replies: 7
Views: 1479

WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion

https://www.wsj.com/articles/intuit-near-deal-to-buy-credit-karma-for-7-billion-11582433880 Many bogleheads use Turbotax and a select few use Credit Karma's free tax filing, therefore this thread is actionable and affects the monetary futures (all $50 of it) of those bogleheads. :D Intuit's probabl...
by donfairplay
Thu Feb 06, 2020 6:18 am
Forum: Investing - Theory, News & General
Topic: ESG outperforming - will you add any ESG funds to your portfolio?
Replies: 72
Views: 6117

Re: ESG outperforming - will you add any ESG funds to your portfolio?

Get woke, go broke.

(on-topic meme because this is about money)