Search found 36 matches

by kbjeffrey
Sat Apr 03, 2021 1:30 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3483

Re: Duolingo

I find it very useful for learning basic vocabulary and grammar. I did the French course before I visited Paris and it did give me a the head start I needed to be able to learn enough French while I was there and talk with people at a basic level. I did the same thing. when I went to Italy. I did al...
by kbjeffrey
Thu Mar 04, 2021 11:14 am
Forum: Personal Investments
Topic: New HSA Vendor, Pls help me pick new investment fund
Replies: 4
Views: 318

Re: New HSA Vendor, Pls help me pick new investment fund

I agree the user interface and capabilities are limited. Benefit wallet was a bit better (also about the choice of funds). In any case, the tax benefits with the HSA are great. The target date fund is appealing too...
by kbjeffrey
Tue Mar 02, 2021 12:01 pm
Forum: Personal Investments
Topic: New HSA Vendor, Pls help me pick new investment fund
Replies: 4
Views: 318

New HSA Vendor, Pls help me pick new investment fund

The PEO my company is with just switched HSA's from Benefit Wallet to Connect Your Care. I currently have around $25,000 in my HSA account. I don't spend the funds from my HSA and consider it part of my retirement savings. I was thinking of investing the money in a stock fund, perhaps Schwab S&P...
by kbjeffrey
Thu Feb 18, 2021 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Help: Small business (non-profit) credit card with no personal guarantee
Replies: 5
Views: 339

Re: Help: Small business (non-profit) credit card with no personal guarantee

We have the Brex Card for our small business. Their model is one where they dynamically check with your bank to see what your balances are in order to dynamically set your spending limit. We bank with PNC and their software worked well at first but then they started having trouble accessing our acco...
by kbjeffrey
Sat Feb 06, 2021 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968738

Re: Favorite Credit Cards

I'll be an outlier here... I don't spend enough in general for the cash back cards to make a noticeable difference in my life. I really like my Sapphire Preferred card. Chase support has always been great, unlike Capital One. The points accumulate quickly and are useful for many purposes. I mostly u...
by kbjeffrey
Fri Jan 15, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: HBO Max Issues?
Replies: 31
Views: 2556

Re: HBO Max Issues?

I have had similar issues too and have had to download shows sometimes to avoid the annoyance.
by kbjeffrey
Wed Jan 06, 2021 8:15 am
Forum: Personal Consumer Issues
Topic: Emergency Cell Phone or Cheap Cell for Seniors?
Replies: 19
Views: 1021

Re: Emergency Cell Phone or Cheap Cell for Seniors?

I've had similar issues with my mother as she's gotten older. The biggest challenge is that she had trouble learning how to use the phone and then remembering how to use it. Unless she uses it regularly, she forgets how to use it and it doesn't help when an emergency comes up. It might be worth payi...
by kbjeffrey
Fri Dec 25, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11431

Re: What NON-frugal thing did you do today?

Bought a $1,000 treadmill. Winter is coming!
by kbjeffrey
Fri Dec 04, 2020 11:38 am
Forum: Personal Investments
Topic: 8% APY with Anchor-Too good to be true?
Replies: 21
Views: 5243

Re: 8% APY with Anchor-Too good to be true?

The 8% is only on the first $5,000 and so not as good as it might seem at first. I have an account and get more interest every month than I do at my other "high interest" account with $30,000. After researching Anchor, I was willing to take the risk. Some info here: https://www.investopedi...
by kbjeffrey
Tue Dec 01, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Identity Theft just happened to me
Replies: 31
Views: 4128

Re: Identity Theft just happened to me

Oddly, I've had a problem with reverse identity theft. A woman in New Zealand has the same name as me and thinks that she registered my gmail address. She regularly signs up for all sorts of accounts and I get the notifications and access to them. This has been going on for years. Sometime back, one...
by kbjeffrey
Sat Nov 21, 2020 8:08 am
Forum: Personal Investments
Topic: Any way to exclude FAANG company from S&P index fund?
Replies: 20
Views: 3055

Re: Any way to exclude FAANG company from S&P index fund?

By chance the Animal Spirits podcast recently had an episode about "Direct Indexing." It seems to do what you're asking and I got the impression that you'd have to work with advisor to get access to it. Probably not worth your while, but still interesting.
by kbjeffrey
Sat Nov 14, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Consequences of closing 25y/o checking account?
Replies: 16
Views: 1780

Re: Consequences of closing 25y/o checking account?

This is generally more relevant for women, but if your name has changed over the years then it is convenient to have been with the same bank. I'm not a fan of Citibank, but I'll keep the account because I can easily cash checks for all the past versions of my name. Other banks have required document...
by kbjeffrey
Tue Nov 10, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Tips or devices to improve posture
Replies: 19
Views: 1536

Re: Tips or devices to improve posture

My yoga teacher once said to me, "remember, ears over shoulders" and that has been really helpful. Most of what other people say or suggest has to do with how slouching looks to them. "Ears over shoulders" gives me something to focus on that has been more helpful.
by kbjeffrey
Mon Nov 02, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 700 and above
Replies: 21
Views: 1881

Re: Credit Card for 700 and above

You might want to check out "the points guy" website. They regularly publish reviews of what credit cards are best depending on your credit score and how you use your card.
by kbjeffrey
Wed Oct 28, 2020 1:18 pm
Forum: Personal Investments
Topic: For the self employed business owners on here....
Replies: 8
Views: 679

Re: For the self employed business owners on here....

1. How did you get your start? Is it a family business? I was an Asst. Professor at a Computer Science Department when the Palm Pilot Launched. I was very excited about the actualization of ubiquitous computing and started teaching classes on Palm OS program. My first sabbatical leave came up and Pa...
by kbjeffrey
Tue Oct 27, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Retention Rates
Replies: 69
Views: 6478

Re: Amazon Prime Retention Rates

I’ve cancelled several times and was never offered a retention rate. Yesterday they offered one month free if I would join again and I’m enjoying that while it lasts.
by kbjeffrey
Fri Oct 16, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10224
Views: 735012

Re: Refinance Mega Thread

I refinanced yesterday (10/15) with a local mortgage broker in Chicago that was recommended by friends. I was 5 years into a 30 year mortgage at 3.5% and I refinanced to a 30 year mortgage at 2.75% with a $1,500 lender credit and the appraisal waived. The mortgage is for $347,800, my house is valued...
by kbjeffrey
Tue Oct 13, 2020 8:13 am
Forum: Personal Investments
Topic: New business owner - need help with experience Bogleheads!
Replies: 37
Views: 2325

Re: New business owner - need help with experience Bogleheads!

You might want to consider joining a PEO (Professional Employment Org), it won't provide accounting, but it has made running a small business much easier for me. A PEO administers the human resources functionality you choose. PEO's can be expensive, but there are more choices now. I head up a small ...
by kbjeffrey
Mon Oct 12, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 146
Views: 15528

Re: Amazon Prime - Value?

I didn't find enough value in it for an annual Prime subscription. I now subscribe on a monthly basis as I need it. I also don't commit to any streaming service and subscribe to one (sometimes two) at a time . For how I use the services, I get the same benefits as if I had the full subscription.
by kbjeffrey
Thu Oct 08, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Flying during the pandemic
Replies: 94
Views: 5908

Re: Flying during the pandemic

I flew Southwest to Florida to help out my Mom with a medical emergency. They put in reasonable policies to keep passengers safe and all of the middle seats were left empty. I would feel safe flying with them again during the pandemic as long as they continue the current policies.
by kbjeffrey
Sat Sep 26, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 119
Views: 11485

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Simple is still offering .8% on their savings account, but I'm assuming that will go down too. I also have $5,000 at Anchor which is still offering 7.83% (on up to $5,000). OK, for a sec you had my interest. 7.83% on $5k is equivalent to %.6 on $65k, or %.8 on $49k! But I think you're referring to:...
by kbjeffrey
Fri Sep 25, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 119
Views: 11485

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Simple is still offering .8% on their savings account, but I'm assuming that will go down too. I also have $5,000 at Anchor which is still offering 7.83% (on up to $5,000).
by kbjeffrey
Sun Sep 13, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3467

Re: Security question on one's passwords

egrets wrote: Sun Sep 13, 2020 11:59 am
Not in 10,000 years would I use a password manager and keep all my passwords out on the web in one place.
You should take a look at Enpass. It is an open source password manager where you hold on to your own passwords. It is a favorite with the security researchers I've asked.
by kbjeffrey
Sun Sep 13, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3467

Re: Security question on one's passwords

One complicated password for all is fine. But eventually, web sites require you to change passwords anyway. Not such a good idea and especially risky if you use the same username. Some websites don't encrypt your passwords when they save them. When they are hacked or someone at the company behaves ...
by kbjeffrey
Fri Sep 11, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: Apple’s iCloud Keychain?
Replies: 19
Views: 2143

Re: Apple’s iCloud Keychain?

You might want to consider Enpass. It is an open source, cross platform password manager. I got the recommendation from friends who work in security research. I've been using it for years and have been really happy with it.
by kbjeffrey
Sun Sep 06, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33951

Re: For those with $500k-$1m in investments...

Age 57

Total: $995,450
Tax Advantaged: 83% (401K (traditional & roth), IRA (traditional), HSA)
Taxable: 17%
by kbjeffrey
Sun Sep 06, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2964

Re: Can anyone suggest a joint checking account?

My ex-husband and I have a joint checking account with Simple (an online bank). It has a set up where each of us has an individual checking account and we can each transfer money to and from the shared account. Each time you add or withdraw money you're asked to document what it is for. It has worke...
by kbjeffrey
Sat Aug 29, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2945

Re: Recommendations for wheat beer

I'm a fan of Off Color Brewing, a great brewery if you're not so interested in hoppy beers. Off Color is quite a nice wheat beer. If you're ever in Chicago, you can get it on tap at their restaurant too.
by kbjeffrey
Sun Aug 23, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8552

Re: Should I become a Professional Gambler?

A friend who worked with me for good while quit to play professional poker. He had been a high school math/Comp Sci teacher before becoming a programmer. Since then he has done really well and won a lot of money. He is a very intelligent guy and single with no intention of kids. Obviously not everyo...
by kbjeffrey
Sun Aug 23, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Easiest Way to Fax From Computer?
Replies: 19
Views: 1496

Re: Easiest Way to Fax From Computer?

I often have to fax documents for my company and I find that using my phone is best. I use the FaxBurner app. Since I only send and don't receive faxes, I've never has to even upgrade to the paid version and every fax has gone through without a problem.
by kbjeffrey
Mon Aug 10, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10224
Views: 735012

Re: Refinance Mega Thread

I'm in the process of refinancing in Chicago. I'm currently 5 years into a 30 year mortgage at 3.5% and a principal of $348,000. I've locked in a rate of 2.75% with a local broker, BlueLeaf Lending. I'm also getting costs paid toward closing, so I should only have to pay around $500. My business par...
by kbjeffrey
Sun Aug 09, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 2
Views: 410

Mortgage Refinance Question

I currently have a 30 year mortgage for $350,000 at 3.5% and am thinking of refinancing. I'm 57 years old and have two kids in high school, so there is some chance I'll want to sell my house and move to something more manageable at some point. I'm thinking of taking a 2.75% 30 year mortgage. I can g...
by kbjeffrey
Sun Aug 09, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a university/college for my son a future Computer Science Major
Replies: 131
Views: 11450

Re: Choosing a university/college for my son a future Computer Science Major

I'm also an Illinois resident (in Chicago) and I was a professor at DePaul before I decided I'd rather start up a software company. In general the benefits of a state university you pay less and often learn from professors who are leaders in their fields. At a private university like DePaul, you get...
by kbjeffrey
Fri Aug 07, 2020 5:09 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 90
Views: 9567

Re: Anyone using crypto exchanges to earn higher interest on their cash?

I've put some money into AnchorUSD. They say they offer "upto 8%" in interest on the first $5,000 you invest. It looked reasonably reliable to me: - https://www.anchorusd.com/ - https://www.investopedia.com/news/ibm-launches-stablecoin-backed-fdicinsured-banks/. I figure that in the very w...