Search found 535 matches

by Nummerkins
Mon Apr 05, 2021 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Your recommended banks for High Yield Savings & CDs
Replies: 46
Views: 4710

Re: Your recommended banks for High Yield Savings & CDs

Alliant CU pays 0.55% and has been rock solid for years. Definitely go there.

https://www.alliantcreditunion.org/bank ... ld-savings
by Nummerkins
Fri Apr 02, 2021 5:15 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2867
Views: 455328

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I just received my $900 bonus from Merrill Edge for the 2nd time. Time to move again!
by Nummerkins
Thu Feb 25, 2021 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse leaving company I also work for – how to handle?
Replies: 32
Views: 3907

Re: Spouse leaving company I also work for – how to handle?

What can you do? You will be gone in a few months anyways so just tell your supervisor that.
by Nummerkins
Thu Feb 25, 2021 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Any bonus offers to move/invest 100k
Replies: 13
Views: 1010

Re: Any bonus offers to move/invest 100k

It sounds like you're looking for the kind of bonus associated with opening a checking account for investing your money. That's doesn't exist. Just invest it--and let it ride for as long as you possibly can. That's not correct. As a poster linked above, plenty of brokerage bonuses. I've collected a...
by Nummerkins
Sat Feb 20, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Unrecognized charge from COLOADTEST.com
Replies: 49
Views: 8170

Re: Unrecognized charge from COLOADTEST.com

oxothuk wrote: Sat Feb 20, 2021 6:26 pm Signature is a joke, especially when it's just a scrawl on a tiny screen. I can't remember the last time a clerk actually looked at my card to verify a match.
All the major issuers dumped the signature requirement in 2018. Any place requiring it hasn't updated their readers or software.
by Nummerkins
Sat Feb 20, 2021 7:48 pm
Forum: Personal Consumer Issues
Topic: Personal finance program recommendation
Replies: 29
Views: 2095

Re: Personal finance program recommendation

If your sister is open to Quicken it looks like it will now sync to the cloud which would allow you to log in and see a decent portion of the data.

https://www.quicken.com/support/quicken ... -questions

You would need to check if the Mac version does this. ** Looks like it does!
by Nummerkins
Tue Feb 16, 2021 7:57 pm
Forum: Personal Investments
Topic: mutual fund to the equivalent ETF with no tax consequences
Replies: 7
Views: 379

Re: mutual fund to the equivalent ETF with no tax consequences

Yes, you need to call Vanguard to make it happen.
by Nummerkins
Mon Feb 15, 2021 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Recommend a Life Insurance Company
Replies: 18
Views: 1274

Re: Recommend a Life Insurance Company

I usually like to go direct for things in general. In the case of term life insurance for myself I absolutely had to use an agent. I participate in a dangerous hobby that caused most insurers to jack up the pricing to ridiculous amounts. Shopping through an agent allowed me to get over that hurdle a...
by Nummerkins
Tue Feb 09, 2021 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to cancel this credit card?
Replies: 30
Views: 2443

Re: Do I need to cancel this credit card?

Those little charges are test charges. Next comes a big one.

Yes, get a new card ordered and make Citi overnight it. Never had anyone refuse to do it because they know you will just use another card and maybe not switch back.
by Nummerkins
Mon Feb 08, 2021 3:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Select Client
Replies: 15
Views: 1684

Re: Vanguard Flagship Select Client

dkturner wrote: Mon Feb 08, 2021 3:03 pm Flagship Select clients also get 100 free brokerage trades per year.
Everyone has gotten unlimited free trades since January 2020.
by Nummerkins
Sun Jan 24, 2021 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Sending sensitive information to accountant
Replies: 11
Views: 1181

Re: Sending sensitive information to accountant

Why does it matter? Don't they already know your address, SSN, DoB, etc along with the rest of your financial picture?
by Nummerkins
Thu Jan 21, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is Amex Blue Cash preferred card still worth keeping?
Replies: 51
Views: 3370

Re: Is Amex Blue Cash preferred card still worth keeping?

I still have mine -- annual fee just posted. We max out the grocery spend every year. Looks like I got about $50 in credits from Amex offers (99% of them are junk at weird stores I haven't heard of or don't shop at) I also pick up a tiny amount from the 6% back on streaming. So, I'll be keeping it. ...
by Nummerkins
Thu Jan 21, 2021 9:23 am
Forum: Personal Investments
Topic: BOA/Merrill Edge brokerage
Replies: 15
Views: 1266

Re: BOA/Merrill Edge brokerage

Not sure what you would need the branches for? It's all done online or on the phone.

I've done this setup twice now & haven't been to a BoA branch in over 10 years.
by Nummerkins
Sat Jan 16, 2021 3:59 pm
Forum: Personal Investments
Topic: VG is nagging about transitioning account
Replies: 195
Views: 17684

Re: VG is nagging about transitioning account

Sprucebark wrote: Sat Jan 16, 2021 3:41 pm ... I wish it would have transitioned my mutual fund holdings into my existing brokerage account. Now I have more brokerage accounts than I know what to do with!
You can still consolidate like accounts. It's not a taxable event -- call Vanguard.
by Nummerkins
Sat Jan 16, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: 2FA: Is Google Voice really a good second form of Authentication?
Replies: 23
Views: 2421

Re: 2FA: Is Google Voice really a good second form of Authentication?

No, its not. I personally know of people who have been permanently locked out of their Google accounts. There is no recourse, no support and no phone number to call. That's it.

Not to mention once Vanguard gets around to blacklisting Google Voice they will not provide advance notice.
by Nummerkins
Fri Jan 15, 2021 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with gold coins? Help me decide.
Replies: 44
Views: 3156

Re: What to do with gold coins? Help me decide.

Have your jeweler make some things you would like out of the gold.
by Nummerkins
Mon Jan 11, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2753
Views: 274101

Re: [What TV Show Have You Recently Watched?]

I just finished season 1 of Raised By Wolves on HBO. Now I'm juggling season 3 of Perfect Strangers, season 5 of The Expanse and season 2 of His Dark Materials. I was a kid when PS was on but I remember bits and pieces. Might rewatch Babylon 5 or finish Curb Your Enthusiasm when I'm done with the ab...
by Nummerkins
Sun Jan 10, 2021 2:19 pm
Forum: Personal Investments
Topic: How much do you allocate to international equity?
Replies: 133
Views: 10016

Re: How much do you allocate to international equity?

None. I started with a 3 fund portfolio years ago and whittled that down to 100% US stocks plus a few individual picks. I dumped international a few years ago at a slight profit and the same with bonds. I realized I could handle the risk just fine and don't worry a bit given my investing timeline. M...
by Nummerkins
Tue Jan 05, 2021 11:24 am
Forum: Personal Investments
Topic: Vanguard PAS...assigned advisor (2yrs exp.), CFP for 6 months
Replies: 45
Views: 3186

Re: Vanguard PAS...assigned advisor (2yrs exp.), CFP for 6 months

It doesn't really matter how much experience the advisor has... PAS works based on standardized portfolios a computer spits out with some minor tweaks. There are many threads about PAS not budging on their recommendations. If you need flexibility, tax planning or advice you would need to buy it sepa...
by Nummerkins
Tue Jan 05, 2021 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit Union? Should you be a part of one? [Considering loan to pay off debt]
Replies: 21
Views: 883

Re: Credit Union? Should you be a part of one? [Considering loan to pay off debt]

I would use whatever bank can give you the lowest rates to accomplish your goals. Personally I find local credit unions to be behind in online banking and have crappy deposit rates, despite the 'member first' orientation. There are some good large ones though. Again, choose based on rate/service, no...
by Nummerkins
Sat Jan 02, 2021 7:17 pm
Forum: Personal Investments
Topic: Feeling stuck at Edward Jones, medallion problem
Replies: 61
Views: 4703

Re: Feeling stuck at Edward Jones, medallion problem

I think you might be getting ahead of yourself here. Typically a MSG is required when names or account titles don't match. For example -- transferring a joint to single account, full vs shortened first name, etc. I've moved my brokerage accounts multiple times and completed a few rollovers. The only...
by Nummerkins
Fri Jan 01, 2021 12:34 am
Forum: Personal Consumer Issues
Topic: Appliance for pfSense / OPNsense
Replies: 11
Views: 865

Re: Appliance for pfSense / OPNsense

That unit looks fine. Intel NICs are preferred as well as AES-NI support.

I run OPNsense on a Barracuda firewall unit. Since it's x86_64 hardware I had no issues and plenty of ethernet ports available.
by Nummerkins
Wed Dec 30, 2020 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to electronically pay landlord directly into Bank Account
Replies: 32
Views: 2359

Re: How to electronically pay landlord directly into Bank Account

Yes, you can use BillPay to send money directly to your landlord account. In Fidelity BillPay create a new payee (Company, bank of your landlord, and his account number). You may need a zip code. Do a search: "<bank name> deposit check by mail" to find an address. Fidelity BillPay uses AC...
by Nummerkins
Wed Dec 30, 2020 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to electronically pay landlord directly into Bank Account
Replies: 32
Views: 2359

Re: How to electronically pay landlord directly into Bank Account

Does your landlord have a bank with a branch that has a physical location near you. You can go there and make a deposit directly to his account. Yes, I live right next to a branch of his bank. Excuse my ignorance, but I can just walk into his bank and deposit money into his account without him pres...
by Nummerkins
Wed Dec 30, 2020 6:09 pm
Forum: Personal Investments
Topic: Being forced to move assets away from Vanguard
Replies: 51
Views: 3528

Re: Being forced to move assets away from Vanguard

Thanks everyone for the replies. No, this is just for our normal taxable accounts. There's no stock/stock options involved here. I've found this situation to be utterly ridiculous. And yes, Fidelity is one of the approved brokers so if we are forced to we can move the assets there but that's a lot ...
by Nummerkins
Wed Dec 30, 2020 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to electronically pay landlord directly into Bank Account
Replies: 32
Views: 2359

Re: How to electronically pay landlord directly into Bank Account

Probably not with Fidelity. If you had a bank with Zelle you can still set up recipients using account/routing number.
by Nummerkins
Sun Dec 27, 2020 7:54 pm
Forum: US Chapters
Topic: Are you a Boglehead?
Replies: 114
Views: 6130

Re: Are you a Boglehead?

Maybe? Let's see... I do not have a college degree and to date I have never maxed out a 401k account. I've also never started a thread asking if I can afford something making hundreds of thousands a year or with a multi-million dollar net worth. I have no debt, pay cash for cars but don't drive 300,...
by Nummerkins
Fri Dec 25, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 98
Views: 11477

Re: GEICO Umbrella: Significant Increase in Premium

Just a small increase for me. $1m with Liberty Mutual.

$290 -> $309
by Nummerkins
Wed Dec 23, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2867
Views: 455328

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

oliverb wrote: Tue Dec 22, 2020 3:55 pm did merrill allow you to deposit funds into existing accounts or did you have to open an additional account? thanks
I opened new accounts. Accounts from previous bonus were all closed.
by Nummerkins
Tue Dec 22, 2020 3:26 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2867
Views: 455328

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I just signed up for the Merrill Edge preferred rewards offer. It took me all of 10 minutes to open the account and fill out the ACAT transfer form last night. As of today the securities are gone from my Fidelity account & should show up tonight or tomorrow in my ME account. This will be my 2nd ...
by Nummerkins
Tue Dec 22, 2020 2:32 pm
Forum: Investing - Theory, News & General
Topic: Is this the hardest investing environment ever?
Replies: 182
Views: 13178

Re: Is this the hardest investing environment ever?

I think it's unequivocally the easiest time to be an investor. Bogle had an outside role in making this happen by driving prices right down to zero. I can chose from well over a dozen brokers that offer free equity trades with a smaller subset allowing free mutual fund purchases from competing famil...
by Nummerkins
Mon Dec 21, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Craiglist post response
Replies: 60
Views: 4258

Re: Craiglist post response

Always, always, ALWAYS a scam. It's practically written from a script generator.. "Out of town", "advert", "additional $___, "final asking price".
by Nummerkins
Sat Dec 12, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Antivirus/security protection for my Mac
Replies: 11
Views: 851

Re: Antivirus/security protection for my Mac

You don't need to do anything else except make sure you are on a current version of MacOS that still gets security updates. If not, that should be fixed if you are indeed concerned about security.
by Nummerkins
Sat Dec 12, 2020 5:59 pm
Forum: Personal Investments
Topic: Comparing bank yield to money market fund yield
Replies: 9
Views: 1035

Re: Comparing bank yield to money market fund yield

The 7 day yield is what you look at for MMFs. None pay anything right now from any company.
by Nummerkins
Fri Dec 11, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: eBay Make Offer Strategy
Replies: 10
Views: 1128

Re: eBay Make Offer Strategy

I sell a fair amount on eBay. I don't usually allow offers as I have a certain amount im looking to get. When I do allow them they show as a notification in my account. I do not care about comments and find they are always weird run-on ramblings or lowball offers. I just delete them without reply bu...
by Nummerkins
Thu Dec 10, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: UBER, didnt use them...but got a charge
Replies: 9
Views: 1069

Re: UBER, didnt use them...but got a charge

Dispute with CC same as any unknown charge
by Nummerkins
Wed Dec 09, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: New Wifi 6 access point slower than 10 year old verizon router
Replies: 56
Views: 3487

Re: New Wifi 6 access point slower than 10 year old verizon router

Try turning off the wireless on your old unit. If they are each broadcasting in the others channel range you will see speed issues.

Also, check for a transmit/receive power setting in the new unit.
by Nummerkins
Sun Dec 06, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: What are your crypto holdings!
Replies: 145
Views: 8418

Re: What are your crypto holdings!

OP here, can someone clear how you would withdrawal money in the scenario below If you bought off Coinbase then transferred those funds to Coinbase Wallet via mobile app Could you then directly transfer funds from the wallet to a bank or would you have to make a transaction from the wallet, back to...
by Nummerkins
Sun Dec 06, 2020 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Home Insurance Deductible - Keep or Raise?
Replies: 27
Views: 1729

Re: Home Insurance Deductible - Keep or Raise?

Definitely raise it. Home insurance is for major damage and the deductible should reflect that.

Just like auto, home claims go into a system called CLUE and will be used against you for price increases or if you shop around.
by Nummerkins
Mon Nov 30, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Chrono24: I am seller; what can go wrong?
Replies: 8
Views: 1400

Re: Chrono24: I am seller; what can go wrong?

Smells like a scam but I think you already know that.

Buying an expensive watch but trying to go cheap on shipping? No way. You are exactly right that if you use their label you have zero recourse.
by Nummerkins
Thu Nov 26, 2020 7:59 pm
Forum: Non-US Investing
Topic: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?
Replies: 49
Views: 5517

Re: I am looking for a crypto-broker! Where do you buy your bitcoin/etherum/etc?

Remember this: not your keys, not your crypto. If you don't control and have the private key to your wallet, you really own nothing. Exchanges can and have been hacked many times with funds irreversibley stolen.. Exchnage owners have died without anyone at the firm knowing the master key password. O...
by Nummerkins
Thu Nov 26, 2020 6:48 pm
Forum: Personal Investments
Topic: Where's the ticker symbol for these funds?
Replies: 4
Views: 798

Re: Where's the ticker symbol for these funds?

Many funds in 401(k) plans do not have tickers. Workplace plans have different rules from retail funds and so may be custom as they don't have the same requirements.
by Nummerkins
Wed Nov 25, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - which specs should I get?
Replies: 64
Views: 4053

Re: Macbook Air - which specs should I get?

No matter what I would go with the 16GB of RAM. Chrome can use a few GB, the OS needs a few. Open a few apps (depending on your workload) and you are maxed out. High speed external storage can be added in a pinch -- RAM cannot.
by Nummerkins
Mon Nov 23, 2020 6:35 pm
Forum: Personal Investments
Topic: Recommendations from financial advisor
Replies: 63
Views: 5802

Re: Recommendations from financial advisor

Looks way over-complicated, possibly on purpose. All those tiny allocations do nothing to move the needle and add unneeded complexity.
by Nummerkins
Sun Nov 22, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Blue Light Filter for Laptops?
Replies: 9
Views: 574

Re: Blue Light Filter for Laptops?

Its already built in. You don't need to buy anything.

https://support.apple.com/en-us/HT207513
by Nummerkins
Thu Nov 19, 2020 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Safety of ACH, or alternative ways?
Replies: 29
Views: 2072

Re: Safety of ACH, or alternative ways?

2. Both should offer a direct deposit option. Whether it's one way or not I don't know. 3. Yes, most banks do this although BoA charges a fee for outgoing I think. Don't pay it and just pull the funds from the other bank. ACH has been operating electronically since the late 70s. Nowadays many places...
by Nummerkins
Wed Nov 18, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Comcast To Discontinue Free Norton Online Security
Replies: 13
Views: 2933

Re: Comcast To Discontinue Free Norton Online Security

NavyIC3 wrote: Wed Nov 18, 2020 9:38 am I am running Norton Security. I want to use Windows Defender. How do I enable Defender? Windows is telling me I'm protected with Norton but doesn't allow me to turn on Defender.
You can't turn both on. If you remove Norton then Defender should turn on automatically.
by Nummerkins
Sat Nov 07, 2020 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Why do checking accounts get better bonuses?
Replies: 24
Views: 2575

Re: Why do checking accounts get better bonuses?

You wouldn't bieve the number of people who say that changing a checking account is just too much of a pain. I could change mine over in 15 minutes, including all billpays. Nothing pulls from my account directly. I just got $500x2 for opening 2 checking accounts and depositing some money, no direct ...