Search found 218 matches

by Calygos
Wed Mar 29, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1357
Views: 170008

Re: What's Your Credit Card Rewards Strategy?

It's incredible how long this thread is and how complicated the rewards points seem to be. On a modest income, i just redeemed $100 in rewards last month for stuff we normally buy with just a few basic cash-back cards. Average month has been around that same amount. Seems fairly simple yet somewhat...
by Calygos
Mon Mar 27, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Off-line Budgeting software for Mac
Replies: 9
Views: 642

Re: Off-line Budgeting software for Mac

kjvmartin wrote:BankActivity (used to be called iBank).

Available in App Store.


Banktivity*. Version 6 just came out in beta.
by Calygos
Fri Mar 24, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 41
Views: 1982

Re: What online bank do you use?

I had my savings at Ally for a couple of years but I just moved to PurePoint for the 1.25% interest. I'm also in the process of moving from Wells Fargo as my main bank to Fidelity for checking (Cash Management account), bill pay (not that I need it since I use automatic debits or credit cards for ev...
by Calygos
Thu Mar 23, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 3608

Re: How did you do your income taxes?

This year I was able to use TurboTax Online again, as I had to use a CPA last year due to weirdness from moving my managed accounts at Raymond James the year before to a DIY setup at Vanguard. TTO went smoothly and I got my refund direct deposited in a couple of weeks.
by Calygos
Thu Mar 23, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2309

Re: Anybody using the TERMINAL over the GUI in ubuntu?

The CLI is especially useful for doing lots of repetitive actions. For example, let's say you want to resize 100,000 photos to get them small enough to upload to some cloud account -- I would do something like this: echo "convert \$1 -resize 33.33% -filter Cubic -quality 80 ~/temp/resize33/\$1...
by Calygos
Wed Mar 22, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Seems like an odd thread. You want to move but you don't. My advise is to stay put - you simply do not have a compelling reason to move your portfolio. The main reason to move from vanguard is if you have had a bad experience with them (seems like this is not the case) or if you really want everyth...
by Calygos
Wed Mar 22, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Fidelity does not have an equivalent to Vanguard Balanced Index (regular or Admiral flavor). Their Freedom Index ones are a little weird and I never felt comfortable with them. Instead, you can either use the Premium Index or Ishare ETF equivalents to mimic it and rebalance manually at no cost ever...
by Calygos
Tue Mar 21, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: What safe investment vehicle has the highest yield right now?
Replies: 22
Views: 2830

Re: What safe investment vehicle has the highest yield right now?

Jack FFR1846 wrote:You could move $35k to Redneck Bank to get 1.25%. Not a lot more, but more.


PurePoint only requires $10k for 1.25%.
by Calygos
Tue Mar 21, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

I'll keep this relatively brief, not a lot to say. I did get the call I was expecting last night and spoke with the rep for about an hour. Even though they'd love to get my business, he agreed that there's no huge incentive for me to move, though if I did he agreed with others here that the ETF conv...
by Calygos
Mon Mar 20, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

That would be fair to say per indexing. Still can't see the point of moving from one index fund to another if the fees are similar? It's a headache too transferring in and out of investment companies on an ( apparent) whim... It isn't really a whim, as part of my financial overhaul I'm just questio...
by Calygos
Mon Mar 20, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

If you are using Vanguard Admiral Funds and plan on adding to them, it doesn't make sense to move to Fidelity. You'll either want to change to Fidelity funds, or exchange your Vanguard Admiral shares for Vanguard ETF shares before you jump ship. :D Yeah, I've seen mention of that. If I were to move...
by Calygos
Mon Mar 20, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

I have both Vanguard and fidelity accounts. If you want to be "stroked", go to Fidelity. They will be more hands on, but you will pay for it. One simple example is the federal money market account where cash is now parked in all brokerage accounts. Very few people pay attention to the int...
by Calygos
Mon Mar 20, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

From your old posts, it looks like you have substantial assets to move. Be sure to get any relevant transfer bonuses: https://rewards.fidelity.com/offers/depositbonus More information on bonuses can be found at The Final, Definitive Thread on Brokerage Transfer Bonuses Ooh, good to know, thanks! I ...
by Calygos
Mon Mar 20, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Anyone care to share their experience with Fidelity Cash Management account as a checking substitute? I've been quite happy with them. They automatically reimburse any ATM fee, and I've had zero problems depositing checks using the Fidelity mobile app, which is more than I can say for my local cred...
by Calygos
Mon Mar 20, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

It seems like a bunch of work for very small gains. The .5% on the rewards card will make some difference. The problem is you have to spend and spend to reap the rewards. How about just spend 5% less and you will gain more than the extra .5%. I already do keep my spending very low, generally under ...
by Calygos
Mon Mar 20, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

tj wrote:VBIAX is certainly sufficient if that is the AA you want. With Vanguard, you get the securities lending income, Fidelity, probably keeps it for themselves.


I'm not sure what the bold part means. Can you clarify?
by Calygos
Sun Mar 19, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Interesting about the admiral funds since everything I have is admiral shares. That could definitely be a sticking point. Need to investigate that carefully. Thanks for the heads up! I've been looking over the Fidelity funds and reviewing the wiki page and while I could probably make a reasonable c...
by Calygos
Sun Mar 19, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Be sure to ask Fidelity about moving any taxable account positions in-kind to avoid a taxable event. Vanguard will allow conversion of equity index funds to their corresponding ETFs for free which is not a taxable event. Vanguard ETFs can definitely by transferred in-kind. At Fidelity buying or sel...
by Calygos
Sun Mar 19, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Please come back after you move your accounts and let us know how it went, and if it was noticeably smoother than your move from Raymond James to Vanguard. Sure thing! I'm pretty certain it would be smoother. If you look at my very first post I think it was, you'll see the mess that was my RJ accou...
by Calygos
Sun Mar 19, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

But I would not do that (a Vanguard to Fidelity move, or a Fidelity to Vanguard move) if there was any significant income tax consequence. So I suggest that you determine the tax impact before making a decision. That's definitely my intent. Fortunately, something like 70% of my portfolio is in my t...
by Calygos
Sun Mar 19, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6089

Re: Am I Addicted [to contribute to my taxable account]

I get a feeling of satisfaction when I make a buy in my taxable account, but I only do it when I have at least 1k. If I did it every time I had an extra $10 I would go mad. I do something along these lines. Since I use YNAB, any time I find or acquire a few dollars I'd want to invest in my brokerag...
by Calygos
Sun Mar 19, 2017 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

Moving to fidelity is fine, but why do you need to talk to a rep? Watch out for a sales pitch on their advisory services. If you are doing it yourself now at vanguard, you can do it yourself there. One thing you could do is review the boglehead wiki fidelity page, or else go through the fidelity go...
by Calygos
Sun Mar 19, 2017 12:52 am
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 169
Views: 14129

Re: "Millionaire Next Door" Net Worth Formula

Homer has provided wisdom and common sense for this useless formula.I just do not understand why anyone would put any value on this.I guess there is some human emotional need to measure ourselves against some quasi standard of success or to feel more successful if we meet the numbers. Everyone want...
by Calygos
Sun Mar 19, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: Forcing myself to take a true vacation this year
Replies: 7
Views: 927

Re: Forcing myself to take a true vacation this year

Do you take advantage of the beautiful things that are relatively close to Seattle? Mt Rainier NP and surrounding areas, Mt Baker (Artist Point), Enchantments, San Juan Islands. You should take some time this spring,summer and fall to visit these places. Take a day off this spring and go snowshoein...
by Calygos
Sun Mar 19, 2017 12:46 am
Forum: Personal Consumer Issues
Topic: Forcing myself to take a true vacation this year
Replies: 7
Views: 927

Re: Forcing myself to take a true vacation this year

sat24 wrote:Good luck! Hurricane ridge is an interesting place to visit, but thanksgiving time would be pretty wet around here.


Yeah, but the wet makes it so lush! Not sure how difficult it gets, though, certainly worth checking out. :)
by Calygos
Sun Mar 19, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Forcing myself to take a true vacation this year
Replies: 7
Views: 927

Re: Forcing myself to take a true vacation this year

The National Park Hoh Rainforest is near there. There are short hikes near the visitors center, and longer hikes up towards Mt Olympus if you're up for something like that. There are also numerous beach hikes a bit north near La Push. The Thanksgiving weather on the Olympic coast can vary alot, and...
by Calygos
Sun Mar 19, 2017 12:21 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1101

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I get 17 GB with Google Drive, the extra 2 GB from having done a 2016 security checkup of theirs (not sure if there's a 2017 equivalent), and I keep pretty much everything there. I was using it to sync Classic YNAB between my Mac laptop and PC desktop but it keeps a lot of small files due to its dif...
by Calygos
Sun Mar 19, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

I was with Fidelity only because my previous employer had their retirement plan there. Reasons why I moved to Vanguard: 1. Cost. Their funds have the lowest expense ratios in the industry. My own personal expense ratio with them is 0.09%. I can still bring this down. 2. Fund selection. They have en...
by Calygos
Sat Mar 18, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

I guess my question to you is: why do you want to move all your Vanguard accounts to Fidelity? You just moved to Vanguard a couple of years ago from Raymond James. I did the reverse move of what you are planning years ago: from Fidelity to Vanguard. Fidelity had me liquidate all my holdings and did...
by Calygos
Sat Mar 18, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Re: Moving from Vanguard to Fidelity (probably)

I got involved with an unwelcome capital gains tax thing when I sold some funds. I guess in today's world you can move your Vanguard Funds to Fidelity but if you have to sell anything with capital gains be aware that you might have some unwelcome taxes. Capital gains are my biggest concern. They hi...
by Calygos
Sat Mar 18, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Forcing myself to take a true vacation this year
Replies: 7
Views: 927

Forcing myself to take a true vacation this year

For over a decade I've wanted to go to Iceland but never went, though I've started the process multiple times (mainly through REI Adventures). Oddly enough, I recently watched a beautiful 4K video on YouTube someone put together of their trip and for some strange reason, it put me off going, at leas...
by Calygos
Sat Mar 18, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 6089

Re: Am I Addicted

I am but it's split about 25/75 between my taxable account and my emergency fund / cash reserves until I get my reserves where I want them, probably end of the year. Trying to make up for massively excessive spending last year (for a good cause, but painful nonetheless).
by Calygos
Sat Mar 18, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4491

Moving from Vanguard to Fidelity (probably)

Hi all, I've been going through a lot of spring cleaning and overhaul of my financial accounts (as recent threads of mine show) and I've settled on a new strategy that I've begun implementing today: ⋅  Moving savings from Ally to PurePoint for the 0.25% APY increase ⋅  Moving che...
by Calygos
Fri Mar 17, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21083

Re: Quicken's future direction - a cause for concern

Just a heads up for you Mac users, I just noticed that the Banktivity 6 beta will be available Tuesday morning. FWIW.
by Calygos
Thu Mar 16, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7448

Re: Do you avoid international investing like Jack Bogle?

In my opinion the reason these discussions never reach a conclusion is that there is no solid evidence for or against any allocation along that entire range. I agree with this statement completely. The only reason I called out 0% and the world market % is because both of those numbers can be backed...
by Calygos
Wed Mar 15, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7448

Re: Do you avoid international investing like Jack Bogle?

In my opinion the reason these discussions never reach a conclusion is that there is no solid evidence for or against any allocation along that entire range. I agree with this statement completely. The only reason I called out 0% and the world market % is because both of those numbers can be backed...
by Calygos
Wed Mar 15, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 2758

Re: Where do you save for large purchases?

There's a new bank (like a month old) called PurePoint that has a savings account at 1.25% interest with a minimum of $10k.
by Calygos
Wed Mar 15, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7448

Re: Do you avoid international investing like Jack Bogle?

For years, bogleheads have said.. - "Diversify" - "Don't put all your eggs in one basket" - "Don't try to pick winners & losers" - "Don't try to time the market" So I guess I'm surprised that bogleheads are now saying.. - "I'm going to bet it all on ...
by Calygos
Wed Mar 15, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7448

Re: Do you avoid international investing like Jack Bogle?

It seems to me like all of the arguments I see for any particular % of international are pretty much gut feelings based on individuals' inherent biases. Based on what I've seen, it would seem there are two simple, BH-oriented approaches for how much international to hold: 0% or Total World Stock Mar...
by Calygos
Tue Mar 14, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or rent?
Replies: 25
Views: 2081

Re: To buy or rent?

I'm 43 and have always rented, though I'd love to own a house for a variety of reasons but for a variety of other reasons doubt I'd ever be able to, which makes me unbelievably sad. That said, reading threads like this here and elsewhere is so frustrating and angering because it's simply mind-blowin...
by Calygos
Mon Mar 13, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: One final look...
Replies: 14
Views: 1569

Re: One final look...

VEIRX is the Admiral class of Equity Income fund with a minimum of 50k and an ER of 0.17%. VPIEX is the Investor class Equity Income fund with a minimum of 3k, with an ER of 0.26. However if your 401k has the Admiral class fund on the list, then I don't think the minimums apply. Well it doesn't app...
by Calygos
Mon Mar 13, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: One final look...
Replies: 14
Views: 1569

Re: One final look...

Sorry to reply to my own thread, but I have a quick question. I can finally make a change again to VEIRX in my 401(k) so I can move from 100% VIGAX to 50/50 VIGAX and VEIRX, per the above recommendation, but I just noticed that VEIRX has a $50k minimum and my 401(k) is currently about $86k. Does tha...
by Calygos
Sun Mar 12, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 4799

Re: Ally Bank Replacement

If you're just using Ally for the 1% savings I see no reason to be loyal to them. Pure Point Financial has a 1.25% account available now ($10k minimum balance for that rate). Ally does have the convenience of unlimited account you can transfer to/from which makes it a great hub account. Not sure ho...
by Calygos
Thu Mar 09, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1663

Re: Should I get a Chase Freedom Unlimited Visa?

Well, so much for that idea, I'm done with Chase. Their phone support is atrocious.

I'm even going to reconsider paying off my loan early just to get away from them, that's how irritated I am with them right now.
by Calygos
Thu Mar 09, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1663

Re: Should I get a Chase Freedom Unlimited Visa?

If you use your card extensively (for most of your day-to-day spending, monthly bills, etc), you should have a second card in case one gets compromised. My Fidelity card was compromised not long ago. Fortunately they caught it promptly and notified me, so I wasn't out any money, but if I hadn't had...
by Calygos
Thu Mar 09, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1663

Re: Should I get a Chase Freedom Unlimited Visa?

If you use your card extensively (for most of your day-to-day spending, monthly bills, etc), you should have a second card in case one gets compromised. My Fidelity card was compromised not long ago. Fortunately they caught it promptly and notified me, so I wasn't out any money, but if I hadn't had...
by Calygos
Thu Mar 09, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1663

Re: Should I get a Chase Freedom Unlimited Visa?

You want things simple.....check You want as much cash rewards as possible.....check You want a bonus for applying.....check I think you want to apply for the Fidelity 2% card. I have one. Without looking it up, I believe it was $100 for some amount of spending. 2% back and that can easily be used ...
by Calygos
Thu Mar 09, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1663

Re: Should I get a Chase Freedom Unlimited Visa?

OP here. I definitely want to keep things simple and not play games, I'm not into churning. My main reason for possibly getting another card is that the Amex isn't worth the rewards given my spending levels and my Quicksilver is plenty good for my needs and its cash back, but having only one card is...
by Calygos
Wed Mar 08, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get a Chase Freedom Unlimited Visa?
Replies: 26
Views: 1663

Re: Should I get a Chase Freedom Unlimited Visa?

(I'm actually letting my Amazon Prime subscription expire in May, since looking back at my Amazon spending and real lack of urgency on the things I did buy over the past year, it was absolutely not worth $99 to me. Same with Costco, letting that expire next month.) One of the nice features of Amazo...
by Calygos
Wed Mar 08, 2017 10:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 13304

Re: Your USER NAME...what does it mean?

Mine is from main character in Star Wars: The Old Republic (wish I'd kept more videos of him). I miss that game. For you WoW players, it sounds like a play on Malygos, but actually it's a blend of Calyx (one of my first WoW characters, a nelf rogue) and the Latin caligo (fog or gloom) with an s tack...

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