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gently caress it, I'm eating out today
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Oct 31, 2022 09:25
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THF13 posted:I'm looking for a checking account for paying rent via online bill pay. I'd like it to have the following You can just get another alliant account and do the same thing and just ignore the balance.
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Oct 31, 2022 14:02
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Hadlock posted:gently caress it, I'm eating out today
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Oct 31, 2022 19:12
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Hadlock posted:gently caress it, I'm eating out today
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Nov 1, 2022 20:58
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I got Dave's Hot Chicken today and it was delicious. Strong recommend, although their Extra Hot is "runny nose" spicy, not mouth-pain-spicy. If you want hotter ("Reaper") you have to check a box that you won't try to get a refund. Sliders are delicious, tenders are great too but I wish they didn't come with a slice of white bread that gets tossed in the trash. This is their first commercial. Is that a fuckin'... Hereditary reference? Why? https://www.youtube.com/watch?v=w8pGl5_5_FA
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Nov 1, 2022 21:11
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That commercial is kinda lovely and mean spirited but no it's not a Hereditary reference. In Hereditary the kid is sticking her head out the side window and gets it knocked off by a telephone pole.
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Nov 1, 2022 22:19
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Any advice on writing a recommendation letter? It’s for a grad school application for someone I used to mentor. My basic paragraph outline is intro / technical skills / interpersonal skills / specific example combining the two / wrap up. Even though it’s been a few years, it’s been easy to sing her praises. Any specific things I should include or exclude?
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Nov 3, 2022 02:26
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My 0% APR on new purchases/balance transfers ends on 12/19, I just want to make sure I'm 100% sure on the timings. Does this mean the balance I've accrued on this promotional rate has to be zero'd by that exact date so I don't get hit with a big fee that morning, or will it be that everything up to the statement sent that day will be fine until the payment due date a few weeks later?
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Nov 3, 2022 21:32
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Looks like Discover bumped my online savings to 2.75%, and First Republic is offering an 8-month CD at 3.75%. Strange times!
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Nov 8, 2022 18:02
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US bank refused to cash two 30 year old EE Bonds to me today. They said it was their policy which may change December 8th. It was only for about $200 redemption value. https://www.usbank.com/customer-service/knowledge-base/KB0209712.html As a long time customer I’m pretty annoyed and am considering other banks now. Anyone else had a similar experience. It seems like my only recourse is to mail the bonds in to the treasury.
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Dec 1, 2022 21:55
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mysteryberto posted:US bank refused to cash two 30 year old EE Bonds to me today. They said it was their policy which may change December 8th. It was only for about $200 redemption value. My local subreddit had a similar thread going about this just yesterday. I can tell you I cashed some EE bonds at a Chase branch a couple years back to add to a home downpayment fund. I was/am a customer of theirs and it was pretty routine. No clue if these places are local to you but I learned from the Reddit thread that Huntington and Citizens Bank will cash bonds for non-customers up to a limit of a couple thousand bucks.
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Dec 1, 2022 22:22
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Sirotan posted:My local subreddit had a similar thread going about this just yesterday. I can tell you I cashed some EE bonds at a Chase branch a couple years back to add to a home downpayment fund. I was/am a customer of theirs and it was pretty routine. No clue if these places are local to you but I learned from the Reddit thread that Huntington and Citizens Bank will cash bonds for non-customers up to a limit of a couple thousand bucks. Same experience with Chase as a customer - they were a little surprised at the request, but handled it pretty quickly and easily. After that, I mailed all my remaining bonds in, so I can take care of them through treasurydirect as they mature. Be warned that it will take maybe 6-8 weeks after mailing for the bonds to show up in your account.
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Dec 6, 2022 19:25
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My dad got phished out of his bank account info. Do credit unions not have to have a 24/7 fraud line?? I can’t find one that doesn’t eventually end at “We are currently closed. Our hours are….” It’s Texans Credit Union if anyone’s google-fu is better than mine. He’s freaking out really badly and I’m away from home and only on mobile so my searching is slow… TELL YOUR IDIOT FAMILY TO NEVER GIVE THE CODE THAT YOU ARE TEXTED TO SOMEONE OVER THE PHONE! And tell Google to put the “Do not ever give this code to anyone” as the first line of that text and then a couple line breaks before the code. Oy. Damn Bananas fucked around with this message at 03:00 on Dec 7, 2022 |
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Dec 7, 2022 02:57
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The number on the back of his debit card should be 24/7
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Dec 7, 2022 03:17
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THF13 posted:The number on the back of his debit card should be 24/7 24/7 Support for Texans Credit Cards Representatives are available 24/7 to provide assistance with your Texans Credit Card. Visa Signature® Cash Rewards Card: 866.820.3892 Visa Rate Advantage Card: 866.820.3889 Lost or stolen card: 800.449.7728 If outside the USA: 727.299.2449 Edit: here's the number for a stolen debit card which might put a hold on the account: Lost or Stolen Card? - Debit Card 800.472.3272 This one seems like your best bet. moana fucked around with this message at 03:45 on Dec 7, 2022 |
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Dec 7, 2022 03:43
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drat Bananas posted:My dad got phished out of his bank account info. Do credit unions not have to have a 24/7 fraud line?? I can’t find one that doesn’t eventually end at “We are currently closed. Our hours are….” It’s Texans Credit Union if anyone’s google-fu is better than mine. He’s freaking out really badly and I’m away from home and only on mobile so my searching is slow… This says it's their fraud line 972.348.2000 or 800.843.5295 Sorry man, we should really be doing better protecting older folks from getting scammed.
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Dec 7, 2022 03:44
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Ally loving bank is telling me that I will be locked out of my account if I don't sign up for sim swap based login verification. I'm so mad.
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Dec 7, 2022 04:58
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Wtf is sim swap based verification? I was planning to switch to them as my hub sometime in the future, but if they're becoming the kind of place that threatens an account lockout if you won't do things their way, then I might be heading back to the drawing board for that bank choice.
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Dec 7, 2022 05:26
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H110Hawk posted:Ally loving bank is telling me that I will be locked out of my account if I don't sign up for sim swap based login verification. I'm so mad. I thought you could limit it to email only.
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Dec 7, 2022 05:27
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Unsinkabear posted:Wtf is sim swap based verification? He is kind of making a joke about having to sign up to potentially get scammed. https://en.m.wikipedia.org/wiki/SIM_swap_scam E: 2FA with your phone number is really insecure. Yet we all do it all the time...
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Dec 7, 2022 05:28
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spwrozek posted:I thought you could limit it to email only. Got that prompt a week ago in the app. Just got an email: 
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Dec 7, 2022 06:46
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Thank you all for your help! I was able to get some screenshots from him of what exactly was exchanged between him and the scammer, it was a Google Voice verification code only, twice, which he gave them. He assumed it affected his bank but as far as I can tell there wasn’t anything like that. The information they have is his FB profile (name), phone #, and those codes. I asked him if he even has a Google Voice number and he said no. But he does have a Google account. But he said he uses his yahoo address for everything like banking. I told him to change his Google password just in case and to keep a close eye on his email and all accounts. The last texts exchanged with the scammer was them pushing for another cell # to try (“to prove you are real”) so I am thinking they didn’t get what they needed from him. Hopefully we are in the clear.
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Dec 7, 2022 06:56
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drat Bananas posted:Thank you all for your help! I was able to get some screenshots from him of what exactly was exchanged between him and the scammer, it was a Google Voice verification code only, twice, which he gave them. He assumed it affected his bank but as far as I can tell there wasn’t anything like that. The information they have is his FB profile (name), phone #, and those codes. I asked him if he even has a Google Voice number and he said no. But he does have a Google account. But he said he uses his yahoo address for everything like banking. I told him to change his Google password just in case and to keep a close eye on his email and all accounts. The last texts exchanged with the scammer was them pushing for another cell # to try (“to prove you are real”) so I am thinking they didn’t get what they needed from him. Hopefully we are in the clear. That Google voice verification code is still bad. https://consumer.ftc.gov/consumer-alerts/2021/10/google-voice-scam-how-verification-code-scam-works-and-how-avoid-it Please follow these steps.
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Dec 7, 2022 07:02
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H110Hawk posted:That Google voice verification code is still bad. Uughhhh. Thanks, I’ve forwarded it along.
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Dec 7, 2022 07:28
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drat Bananas posted:Uughhhh. Thanks, I’ve forwarded it along. Make sure all his accounts are also enabled for multi factor authentication. Especially Google, Yahoo, and his bank accounts if possible.
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Dec 7, 2022 13:40
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drat Bananas posted:Uughhhh. Thanks, I’ve forwarded it along. Good job. Remember to use positive reinforcement and encourage them to contact you any time anyone asks for anything. This was a success. Ally confirms no totp/u2f and that email fraud is on the rise. I assume because most providers don't offer strong 2fa - especially the free ones. Frustrating because mine is totp protected. This might be the nudge I needed to move banks then.
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Dec 7, 2022 17:22
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Ally has been battling with a massive amount of fraud/account compromise issues over the past couple of weeks (which I'm sure is what prompted that initial email about changing MFA methods). If you're at all on the fence I would probably recommend bailing for SoFi or another similar online bank with a good HYSA rate right now. Ally does not seem to have it's poo poo together.
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Dec 7, 2022 17:30
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H110Hawk posted:Good job. Remember to use positive reinforcement and encourage them to contact you any time anyone asks for anything. This was a success. Yes, good point. When I heard panic rising in his voice as he was trying to explain why he took each step he did "because [he] thought that XYZ..." I tried to steer it back to information-gathering and results-oriented steps instead of any scolding. Once it all blows over we can have that cybersecurity talk. I'm still uneasy because I don't quite understand the scam's angle. He doesn't have a Google Voice, so when he went to GV to "unlink" any suspicious numbers it just asks him to set one up. So like... what if the scammer is in their own Google Voice account but has linked it to his real phone number? What can they do with just that? (This is maybe past the point of this megathread, I can fuckoff somewhere else if desired, hah)
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Dec 7, 2022 22:07
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I have what may be a very dumb question. I need to pull a few thousand out of my brokerage account to cover a large purchase. The money in that account is from a number of purchases over the past 10 years. How do I choose what lots to actually sell? Do I sell ones that gained money (and pay short term/long term capital gains) or do I sell ones that lost money and use the capital losses to cancel out some gains from earlier in the year?
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Dec 21, 2022 02:58
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What's your current AGI and where do you fall on this chart: https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates It may be as simple as "I make less than the amount for 0% and have mostly long term gains, lock those gains in at zero taxes!" or "I am in the highest marginal tax bracket, mostly have short term stuff, and I care a lot about not paying more taxes this year, I want to use losses to pay less!" or somewhere in the middle. The most you will pay is 20% of long term gains, and probably you will be at 0 or 15%. Short term will be taxed at your normal income rate. Who knows whether it will be higher later on if you decide to postpone taking the gains?
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Dec 21, 2022 04:46
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Hutzpah posted:I have what may be a very dumb question. I need to pull a few thousand out of my brokerage account to cover a large purchase. The money in that account is from a number of purchases over the past 10 years. How do I choose what lots to actually sell? Do I sell ones that gained money (and pay short term/long term capital gains) or do I sell ones that lost money and use the capital losses to cancel out some gains from earlier in the year? Almost always better to harvest those losses. Reduce your tax burden.
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Dec 21, 2022 04:49
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drat Bananas posted:I'm still uneasy because I don't quite understand the scam's angle. He doesn't have a Google Voice, so when he went to GV to "unlink" any suspicious numbers it just asks him to set one up. So like... what if the scammer is in their own Google Voice account but has linked it to his real phone number? What can they do with just that? It gives them control of a phone number tied to your name, which they can use to either impersonate you to others or use for 2FA or such on your accounts they have other information for. It's the first step in a process, not the end result itself.
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Dec 21, 2022 07:18
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Baddog posted:Almost always better to harvest those losses. Reduce your tax burden. This all depends on the person's agi and future predictions of their personal tax rate and the federal tax rate, of course. But I think it's wrong to say that taking losses is the default best option.
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Dec 21, 2022 07:48
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moana posted:Hard disagree. It's not reducing tax, it's postponing it, and if you have the option to harvest gains at a 0% rate, it's a no-brainer to take the gains. Even at 15%, these are historically low cap gains rates, and I'm guessing we see a hike on those rates in the next couple decades. If you think your AGI will increase in the future or tax rates will increase, it makes a lot of sense to lock in a low 15% tax rate now. Do you know of any good sites/calculators to help people make decisions in different scenarios about whether to take the tax hit now or later? I whipped up some python a couple years ago ago about what type of additional percent gain (in 'timing the market') I'd need within a certain timeframe to offset tax hit on selling for gains, if I reinvested in the same thing at some time later. But it was a very simple script.
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Dec 21, 2022 13:55
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moana posted:What's your current AGI and where do you fall on this chart: https://www.nerdwallet.com/article/taxes/capital-gains-tax-rates AGI puts me at the 15% rate on that table.
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Dec 21, 2022 15:16
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moana posted:Hard disagree. It's not reducing tax, it's postponing it, and if you have the option to harvest gains at a 0% rate, it's a no-brainer to take the gains. Even at 15%, these are historically low cap gains rates, and I'm guessing we see a hike on those rates in the next couple decades. If you think your AGI will increase in the future or tax rates will increase, it makes a lot of sense to lock in a low 15% tax rate now. Ok, at 0% bracket it's definitely true, thanks for pointing that out. Any rule against someone in that bracket with investments just resetting their basis every year? I'm on vacation and not at a desktop to play with spreadsheets at all, but at 15%+ I believe the compounding opportunity cost of paying taxes "up front" is going to quickly overwhelm the possibility of taxes being higher in the future, even at fairly minimal annual return expectations. And also setting aside the fact that hopefully we're saving until retirement, when incomes will probably be low enough to be in the bottom or near bottom brackets. Or even saving until death to pass down to our kids. And if we have 3k of net losses to take, can offset that against income. Although to be fair, I don't think the person here is talking about being able to take a net loss, just offsetting some gains. It's a rule of thumb, but trying to always minimize your current tax burden works out pretty well for enough situations that I'm not sure it merits a "hard disagree" 
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Dec 21, 2022 15:39
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Baddog posted:
If you're a big saver and relatively high income now, have you looked at how much your Required Minimum Distributions from your estimated future Traditional IRAs and 401k might be? That plus higher social security income, which can be taxable, might leave you in a much higher tax bracket than expected.
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Dec 21, 2022 18:26
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Baddog posted:Ok, at 0% bracket it's definitely true, thanks for pointing that out. Any rule against someone in that bracket with investments just resetting their basis every year? Remember this includes your agi, so if you make $100k you're paying 15% not 0%. But a common FIRE thing is to try to live inside the 0% ltcg rate if possible.
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Dec 21, 2022 19:05
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Is there any reason I should not use Synchrony as the HYSA that I shove my emergency savings into and then forget about? They seem to update the rate regularly, I haven't heard any nightmare stories about their savings accounts (while I have seen a few negative data points about Ally and Marcus on the forums lately), and right now they're the top earner that isn't a sketchy no-name bank or something with complications and/or hoops to jump through each month. Unsinkabear fucked around with this message at 05:19 on Dec 23, 2022 |
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Dec 22, 2022 22:24
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Unsinkabear posted:Is there any reason I should not use Synchrony as the HYSA that I shove my emergency savings into and then forget about? If you're just dumping cash there and never needing to touch it, it's totally fine. I will just share that from my personal experience they have the shittiest web UI and customer service of any bank/credit provider I've ever had to deal with, but most of my ire with them stems from multiple incidents of identity theft where a scammer tried to open a line of credit in my name through Synchrony. Depending on how much money is in your emergency savings, you may be able to beat the rate Synchrony has now if you go with a bank that has a lower rate but offers a bonus to open an account. Most require you set up direct deposit to qualify for the bonus but not all of them: https://www.doctorofcredit.com/best-bank-account-bonuses/
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Dec 23, 2022 15:18
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