Search found 1250 matches

by Cash
Tue Jan 16, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: Anyway to compare metrics of today w stock bubble in 2000
Replies: 23
Views: 1593

Re: Anyway to compare metrics of today w stock bubble in 2000

...In 1999, there was euphoria in the market. I don't get any sense of euphoria today. In fact, I'd say that until last year, this was the most unloved bull market I've ever heard of... I continue to think the difference is that the 1995-2000 bull market was piled on top of a solid and long-sustain...
by Cash
Mon Jan 15, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2663

Re: Antarctica [anyone traveled there?]

The one thing that worries us, at our ages, is how far it would be in Antarctica should there be a really serious medical situation. OTOH, it's rather unlikely that "something" would happen right then. But still, it does give us pause... I believe when we went the cruise line demanded that we have ...
by Cash
Sun Jan 14, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Account Proliferation - any tips to manage or combat?
Replies: 7
Views: 552

Re: Account Proliferation - any tips to manage or combat?

This has obviously added to the numerous accounts DW and I already have (personal vs. joint, savings vs. checkings vs. money market, brokerage vs. 401k vs. Roth vs. tIRA, mortgage, credit cards). Moreover, these accounts are spread across numerous institutions (Vanguard, Fidelity, Wells Fargo, cred...
by Cash
Sun Jan 14, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 2
Views: 454

Re: Fidelity Money Market Funds for everyday expenses

I also recently consolidated at Fidelity, and I use the Fidelity Municipal Money Market Fund (FTEXX) for my short-term holdings. Current yield is a tax-free (in my state) 1.11%.
by Cash
Sun Jan 14, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2663

Re: Antarctica [anyone traveled there?]

Very interesting. Are you aware of what the Tauck group "got" (lectures? or?) that those not using Tauck "got"? And do you happen to know if using Tauck cost more (could be less if they reserved in bulk, etc.)? Many thanks. Threads/posts like these (here and on CruiseCritic) are getting us more and...
by Cash
Sun Jan 14, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2663

Re: Antarctica [anyone traveled there?]

Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal. We actually just got back a few weeks ago from our Antarctic cruise on Le Boreal with the Tauck group (we booked directly with Ponant, but about 1/3 of the ship was booked by the Tauck group). I echo everything...
by Cash
Sun Jan 14, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 2984

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd get the E400. Having owned many fast German cars, you come to realize you can only drive so fast to work and back. A truly fast daily driver becomes an annoyance after a while because you never get out of 3rd gear. Right, unless you're taking it to a track, it really is a waste. We were recentl...
by Cash
Sun Jan 07, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 63
Views: 2984

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd get the E400. Having owned many fast German cars, you come to realize you can only drive so fast to work and back. A truly fast daily driver becomes an annoyance after a while because you never get out of 3rd gear. Right, unless you're taking it to a track, it really is a waste. We were recentl...
by Cash
Thu Jan 04, 2018 6:16 am
Forum: Investing - Theory, News & General
Topic: How long will Ishares etfs be commission free at Fidelity?
Replies: 11
Views: 1202

Re: How long will Ishares etfs be commission free at Fidelity?

I use the iShares ETFs in my tax-advantaged accounts, where I don't really care if I have to sell them down the road when Fidelity stops providing them commission-free (seems inevitable to me). In taxable, I just pay $5 every few months to buy my preferred Vanguard ETF (VT). I looked into Merrill Ed...
by Cash
Sun Dec 31, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1640

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

On the same day, I transferred cash from my bank to my Fidelity brokerage account since they said transfers from a Fidelity brokerage account can occur same day. I think that was the 23rd or 24th. The problem is, the cash hasn't settled to my account even today in a way that I can transfer from my ...
by Cash
Sun Dec 31, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 1779

Re: wireless earbuds for exercise - airpods or ??

I like my AirPods, but I got these attachments to make sure they stay in my ear. Work like a charm and used them recently during a half marathon without a problem.
by Cash
Sat Dec 30, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How many years of deductions for a new DAF?
Replies: 17
Views: 1061

Re: How many years of deductions for a new DAF?

There is not actually a Vanguard employee working on this process this weekend, I don't believe. Fidelity Charitable has people answering phones until 2 p.m. today and tomorrow :). As far as how much to contribute, based on the current 2025 expiration date for the tax cuts, my answer is up to 8 yea...
by Cash
Wed Dec 27, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1171

Re: How much to front load DAF this year?

It doesn't seem like $260 per $10K is a big enough save to bunch more than 2 years of contributions at a time, given the opportunity cost of missing out on appreciation of the money (appreciation to me, not within the DAF). The appreciation argument doesn't really work that way. If you donate $10k ...
by Cash
Tue Dec 26, 2017 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1171

Re: How much to front load DAF this year?

It doesn't seem like $260 per $10K is a big enough save to bunch more than 2 years of contributions at a time, given the opportunity cost of missing out on appreciation of the money (appreciation to me, not within the DAF). The appreciation argument doesn't really work that way. If you donate $10k ...
by Cash
Sun Dec 24, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2448

Re: Securing Law School Scholarships

And of those that receive less than a half-tuition discount, its still $10-$15k per year. (bottom quartile) I don't consider that to be much relative to the cost of attendance, but perhaps the OP will report back on what she is offered. EDIT: Not that I don't think she should go; I just think she s...
by Cash
Sun Dec 24, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 36
Views: 2448

Re: Securing Law School Scholarships

How likely are you to receive need-based aid? That could reduce the sticker price dramatically. I don’t think you’re going to get much merit aid from the t14.
by Cash
Sun Dec 24, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: How much to front load DAF this year?
Replies: 11
Views: 1171

Re: How much to front load DAF this year?

We are making 5 years' worth of donations this year partly to zero out our tax obligation, but also because our marginal rate will be lower for at least the next 8 years (the term of the current tax reductions). So I think it would make sense to make up to 8 years' worth of donations, as long as tha...
by Cash
Sun Dec 24, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 107
Views: 6863

Re: Will you donate less to Charity?

No, but we will continue to be strategic about the timing of the donations. We are putting 5 years of donations in our DAF this week not because we will lose the ability to itemize, but because a) our marginal tax rate will be lower going forward, so our donation is worth more now, and b) we owe a l...
by Cash
Fri Dec 22, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paid Off $340K in Student Loans in 4 Years!
Replies: 21
Views: 1649

Re: Paid Off $340K in Student Loans in 4 Years!

Congrats! Does your wife also work?
by Cash
Tue Dec 05, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1823

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

The wheels have broken on every spinner I’ve had. Then it’s annoying to drag the rest of your trip. I’ve never had the wheels break on the 2 wheel, in-line models.
by Cash
Sun Dec 03, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 1739

Re: Fidelity Yubikey questions

happenstance wrote:
Sun Dec 03, 2017 11:14 am
Once is enough to change the email address, password, and disable 2FA.
No, you have to call in (and hopefully get past voice verification) to disable 2FA.
by Cash
Sat Dec 02, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Yubikey questions
Replies: 17
Views: 1739

Re: Fidelity Yubikey questions

a bad actor could create a convincing fake website and get you to enter your username, password, and second-factor, which they could harvest and use to compromise your account. In the 30 seconds for which the Symantec VIP code is valid (less than that, really, because it takes time to enter)? I gue...
by Cash
Thu Nov 30, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 27630

Re: Iphone X is $1000

I bought SquareDeal insurance, a screen protector installed at Apple (they have a tool to do it well), and a Speck Presidio case. I assume you mean SquareTrade? SquareTrade + screen protector + Speck Presidio is also the setup I did for my wife (I use the thinner Caudabe Lucid Clear case with no sc...
by Cash
Tue Nov 28, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2086

Re: Broker account security compendium thread

diy60 wrote:
Tue Nov 28, 2017 8:43 pm
However I think the weak link in the security chain is the account rep and how hard they push for account ownership verification.
Yep. Hopefully voice ID makes it a bit harder for the human factor to come into play.
by Cash
Tue Nov 28, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2086

Re: Broker account security compendium thread

azurekep wrote:
Mon Nov 27, 2017 11:05 pm
* Locate his cell phone, place his finger on the screen and open the phone*
Use an iPhone X. Problem solved.
by Cash
Mon Nov 27, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 2866

Re: where should I put my direct deposit?

I've reworked above into a more complete answer. It's a long post, but I agree completely. It's the same system that I've finally embraced after years of wasting time trying to optimize the placement of funds every month. 99% of spending on one credit card + automatic bill pay + healthy checking ac...
by Cash
Sun Nov 26, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable 3 fund portfolio at Vanguard vs Fidelity
Replies: 12
Views: 890

Re: Taxable 3 fund portfolio at Vanguard vs Fidelity

Regarding tax efficiency, ETFs are more tax-efficient than mutual funds because ETFs are created/destroyed by trading bundles of their components for shares. This structure allows ETFs to avoid capital gains. Vanguard's mutual funds and ETFs are actually different share classes of the same underlyi...
by Cash
Sun Nov 26, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Iphone 7 - locked out
Replies: 13
Views: 1125

Re: Iphone 7 - locked out

I haven't had to deal with iTunes in years. I've always hated that program. Too bad your mom didn't have an iCloud backup that you could restore from.
by Cash
Sun Nov 26, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2266

Re: GPS watch

I am looking for a good GPS watch. It must be able to track run, bike, swim indoor, and swim outdoor. Budget = $300. No objection to spending more for a substantially better watch. Thank you Apple Watch. Series 2 if you want to buy it cheap. Series 3 if you want latest watch. My wife and I both hav...
by Cash
Sat Nov 25, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Broker account security compendium thread
Replies: 28
Views: 2086

Re: Broker account security compendium thread

[*] I've enrolled my Fidelity 401(k) account in voice print technology, but it's unclear how that feature is used. Supposedly it replaces account password and PIN, but I still have to dial my password whenever I call in for something. Maybe that's a good thing (multiple layers of defense). Sign up ...
by Cash
Fri Nov 24, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Which model treadmill to buy
Replies: 18
Views: 1611

Re: Which model treadmill to buy

I got the ProForm Pro 2000 about six months ago and like it. Currently $1199. I put 15-20 miles per week on it, and it has held up well. It looks like you might be able to connect your phone to it (not through Bluetooth), but I've never tried. I just looked, and there's a round port labeled "MP3 in....
by Cash
Wed Nov 22, 2017 10:35 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 2866

Re: where should I put my direct deposit?

Do you use a debit card? It sounds like you’re making lots of transactions in your checking account. Aside from the mortgage, all of our spending goes on our Fidelity 2% cash back card. So all I have to do is look at that statement when it comes out to know how much I need in my checking account whe...
by Cash
Sun Nov 19, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 8078

Re: Is it difficult to switch from an iPhone to an Android?

letsgobobby wrote:
Sat Nov 18, 2017 8:55 pm
It is good I saved some bones on my phone, because my better half is insisting on the iPhone X.
We all saw that coming :wink: (and I don't blame her)
by Cash
Sat Nov 18, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4366

Re: 2018 FEHB HDHP Recommendations

I am not aware of a minimum balance to invest with GEHA HDHP.
by Cash
Sat Nov 18, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone?
Replies: 19
Views: 2018

Re: Where to buy new iPhone?

If you're buying the phone outright, just get it at Apple. Simple, efficient, and the phone will be unlocked.
by Cash
Sat Nov 18, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4366

Re: 2018 FEHB HDHP Recommendations

Has anyone here switched from one HDHP to another: if so, any glitches when your HSA account moved to the new provider? Reviewing this thread, it seems GEHA may be better than Aetna overall, but my only hesitation is any hassles the change in HSA - right now, it's 1/2 cash, 1/2 Vanguard Conservativ...
by Cash
Sat Nov 18, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4366

Re: 2018 FEHB HDHP Recommendations

I am giving a presentation to the DC Bogleheads on a related topic, so I redid my comparisons for FEHB HDHPs versus conventional, and the HDHP is almost a guaranteed winner (as long as you won't be deterred from seeking necessary care due to the potential bills). I use GEHA in this comparison, as i...
by Cash
Fri Nov 17, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 917

Re: Under the sink water filter

We got an Everpure under-sink chilled water system with a dedicated faucet during our reno. I love it. At first, I insisted on a refrigerator with a water filter, but was convinced that this was the better way to go.
by Cash
Thu Nov 16, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3367

Re: Schwab/Fidelity vs BoA Gold: Checking

My answer (with Schwab Checking as my main checking account) is to not deposit cash. Almost all my purchases, even for a single cup of coffee, are made via credit card. And because I have so few cash purchases, I only go to the ATM about once a month to get cash out. If I get cash back for whatever...
by Cash
Wed Nov 15, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4366

Re: 2018 FEHB HDHP Recommendations

I'm a new fed and am currently enrolled in the GEHA HDHP, and I'm planning on keeping that option for 2018. My wife and I aren't sure if we're going to try for another kiddo, but we'll probably need/want to decide by late next year or early 2019. The GEHA HDHP covers maternity 100% *after* the dedu...
by Cash
Wed Nov 15, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4366

Re: 2018 FEHB HDHP Recommendations

I’m also thinking of signing up for the GEHA HDHP with HSA. Does HSABank have a list of the available investment funds that GEHA members can invest in for free on its site somewhere? I looked but could not find a list. It’s on the TD Ameritrade site. Search for ‘commission free ETF list’. When I se...
by Cash
Tue Nov 14, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4366

Re: 2018 FEHB HDHP Recommendations

Another vote for GEHA. I've had them for a few years now and am completely satisfied. Love the ability to invest the HSA at TDAmeritrade for free (although that's a bit less good now that they've gotten rid of the free Vanguard funds).
by Cash
Tue Nov 14, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2345

Re: IPHONE 8, X

I think the 8 is fine. I personally think "Face ID" is a solution in search of a problem, that the fingerprint sensor is better, and Apple's war on buttons has now gone too far. Do you have an X? I have yet to hear anyone who actually owns one say that (unlike, say, the continued absence of the hea...
by Cash
Tue Nov 14, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2345

Re: IPHONE 8, X

knpstr wrote:
Tue Nov 14, 2017 9:10 am
Cash wrote:
Tue Nov 14, 2017 6:17 am
Not really sure why anyone would get an 8 over an X.
My wife says because the X doesn't come in Gold or Rose Gold.
Lol that was almost enough for my wife too, but I sold her on the silver.
by Cash
Tue Nov 14, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2345

Re: IPHONE 8, X

Not really sure why anyone would get an 8 over an X. If you want something cheaper than the X, get a 7/7+, which is about the same as an 8/8+, but significantly less expensive. If you want the latest technology, pay a bit more and get the X rather than pay a bit less to get essentially the same pho...
by Cash
Tue Nov 14, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2246

Re: Iphone 4

Back when the 5 came out, I told people it was worth upgrading just to get LTE. So much faster to download anything. But that was 5 years ago. Now there are just too many improvements to name. Not really sure why anyone would think it's worth holding on to a 7 year old phone. Just get the cheapest o...
by Cash
Tue Nov 14, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2345

Re: IPHONE 8, X

Not really sure why anyone would get an 8 over an X. If you want something cheaper than the X, get a 7/7+, which is about the same as an 8/8+, but significantly less expensive. If you want the latest technology, pay a bit more and get the X rather than pay a bit less to get essentially the same phon...
by Cash
Mon Nov 13, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3367

Re: Schwab/Fidelity vs BoA Gold: Checking

Also, I believe one can do more things online at Fidelity. I can't think of a single thing that has required me to fax or mail in something, and that's important to me. It's why I did not go with BOA and moved from Vanguard and Wells Fargo. I did have to go to a Fidelity branch with dead-tree paper...
by Cash
Sun Nov 12, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab/Fidelity vs BoA Gold: Checking
Replies: 41
Views: 3367

Re: Schwab/Fidelity vs BoA Gold: Checking

I'm very pleased with Fidelity and have consolidated everything there. Schwab is very similar and often gets the nod because of more local offices at which to transact things in person. However, I keep a small amount of money at TD Bank for those purposes. They do not charge me foreign transaction ...