Search found 441 matches

by dual
Mon Dec 25, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4831

Re: How do Bogleheads save on eyeglasses?

How do purely online companies measure for progressives?

You go to your local optometrist to get measured then send them the prescription. My wife got progressive sunglasses at Goggles4u for about $40 and they work great.
by dual
Wed Dec 20, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC explained? Maximum possible FDIC for a couple per bank
Replies: 28
Views: 2971

Re: FDIC explained? Maximum possible FDIC for a couple per bank

Not the topic of this post but it is worth keeping in mind: from the FDIC website: https://www.fdic.gov/regulations/laws/rules/4000-2660.html Full Faith and Credit of U.S. Government Behind the FDIC Deposit Insurance Fund FDIC-87-36 November 9, 1987 Alan J. Kaplan, Counsel Your October 7, 1987 lette...
by dual
Mon Dec 18, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4831

Re: How do Bogleheads save on eyeglasses?

Goggles4u.com check around for online coupons. They are always having sales. BTW, it's easy to get interpupillary distance. Depending on your vision, just look in a mirror and line up a ruler marked with millimeters with the centers of your pupils. If your vision does not allow it, get a friend to d...
by dual
Thu Dec 14, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna hit it big, but questions remain.
Replies: 9
Views: 2494

Re: Skeptical Tuna hit it big, but questions remain.

Congratulations. Living below your means and saving a significant portion of your income is THE key to long term wealth accumulation. Some points: 1. Consider opening a personal Roth IRA instead of continuing to fund your traditional IRA. Your marginal tax rate is probably fairly low now and if you ...
by dual
Sat Dec 09, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6863

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

They did discontinue it at Vanguard several years ago. Used to be a flagship free benefit once upon a time. No expectation it will ever be back. Have only seen a modest discount through fidelity, and never any free offer; though some report they have gotten a targeted free offer from fidelity based...
by dual
Sat Dec 09, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 49
Views: 6863

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

Decisions .. decisions

take this great deal or wait for a freebie TTax from Fidelity or Vanguard :?: :?:
by dual
Fri Dec 08, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 23338

Re: Prepayment of SALT Taxes? [State and Local]

SALT Taxes? I will add this redundant use of an acronym to my list with the perennial goodies: IRA account LCD display VIN/PIN number CVT transmission UPC code CRV value most of these can be made double redundant!! personal PIN number California CRV value; CRV=California_Redemption_Value State and L...
by dual
Fri Dec 08, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4555

Re: Dollar Store Hacks

AA and AAA alkaline batteries
watch batteries
kitchen gadgets
poultry roasting bags
by dual
Sun Dec 03, 2017 2:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 769
Views: 129585

Re: orphan accounts

I have had an IRA at E*trade for several years with a $1.50 balance. I tried several times to get them to close it but they keep sending statements. Any ideas on how to kill it dead? Do I need to close it completely to be eligible for their new account bonus. I realize their latest offer is for non-...
by dual
Wed Nov 29, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7592

Re: Does it make sense to drop health insurance?

I was in a similar situation to yours and decided to self-insure. If the ACA had been in force, it would have actually made the decision to self insure easier. My understanding is that the worst case scenario is that you have to pay your expenses until Jan 1 after the next open enrollment period. Wh...
by dual
Sat Nov 04, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: My (general) contacts with Treasury Direct re loss & liability
Replies: 40
Views: 5129

Re: My (general) contacts with Treasury Direct re loss & liability

What are the alternatives for my electronic I-bonds to keeping them at TreasuryDirect?

Five minutes on the wiki and a search engine indicates that the only alternative is to sell them.

Correct?
by dual
Sat Nov 04, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8909

Re: Should I decline Grand Prize trip because of taxes on winnings?

Interesting that we get these 70+ post threads with no feedback from original poster. Several of us, including me, have asked why OP thinks this is not a bogus offer but crickets.
by dual
Fri Nov 03, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8909

Re: Should I decline Grand Prize trip because of taxes on winnings?

Unless you can figure out why you were 'selected' this is highly suspicious. I do not know if you can share the details of why you think the offer is legitimate but my rule would be if something is too good to be true it is not. Even if you convince yourself the offer is legit, I would do some plann...
by dual
Fri Oct 27, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3987

Re: Amazon kindle paperwhite

Tragically, they do require you to show ID and pick up in person. The Westchester branch is the closest for sure, and has great parking...... Your next layover - take uber, watch their hours/days. At least it's good for two years! Thanks for the info. It might be worth a thread here about how to ge...
by dual
Fri Oct 27, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2657

Re: Going to SF, Yosemite and Sacramento

San Francisco has a severe problem with car break-ins--particularly rental cars but even police cars get broken into. When you go there do some research to find a safe place to park. Do not carry anything valuable (or better yet anything at all) in the car. Leave it in your hotel.
by dual
Fri Oct 27, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3987

Re: Amazon kindle paperwhite

Throw a wide net here - check with the largest city library in your state, or region. For example, in Los Angeles, they have a very deep selection of ebooks, and a library card is free to anyone in the state. I agree with this. I have accounts on 5 library systems here in Silicon Valley and I am lo...
by dual
Tue Oct 24, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can one have too much money in tax-deferred
Replies: 128
Views: 12235

Re: Can one have too much money in tax-deferred

Those who say that you can Roth convert before 70.5 need to consider the effect of increased social security taxes and Medicare premiums on your marginal tax rate. Yes, you can defer SS but for me it did not make sense as I do not come from a long-lived family. Assume that you decide to take SS then...
by dual
Mon Oct 23, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2186

Re: Which minivan?

deleted
by dual
Mon Oct 23, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2186

Re: Which minivan?

A Chrysler Town and Country man here. I have a 2007 model that I bought new and I love it--comfortable seats, good ride, lots of power, reliable, lots of room. I test drove the Toyota/Honda minivans and I did not like them. They Toyota was particularly bad. The seats were hard as a rock and the engi...
by dual
Wed Sep 06, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 2356

Re: Scanning Documents for Long Term Storage

I could store all the scanned files on my external hard drives I keep in my safe, but would also consider storing the files in the Cloud, such as Google Drive. Regardless of which Cloud company I end up with I'm still leery of having all this sensitive information floating around out there. I'm not...
by dual
Mon Aug 28, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 8100

Re: I ran out of credit card signups bonus...

See http://www.bogleheads.org/forum/viewtop ... 1&t=225961
for the rules for getting cards multiple times
by dual
Sun Aug 20, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park emergency fund to beat inflation?
Replies: 25
Views: 3625

Re: Where to park emergency fund to beat inflation?

I grit my teeth every time I open up my account and see I only made somewhere between $3-5 that month when investments have been proven to yield much more. Sorry, that is not true. The best you can say is 1. over the long term--decades--the stock market has in the past returned more than 1% 2. long...
by dual
Sun Aug 20, 2017 1:31 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 10537

Re: Non-fiction bucket list

I think that mathematics and science are the highest achievements of our culture. Some books that deeply influenced me are: Calculus by George B. Thomas The Feynman Lectures on Physics by Richard Feynman Advanced Engineering Mathematics by Erwin Kreyszig The Atomic Nucleus by Robley Evans A First Co...
by dual
Fri Aug 18, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Credit card bonus award rules
Replies: 12
Views: 1709

Credit card bonus award rules

For those of us who play the credit card bonus game, the issuers are implementing new rules limiting us. I thought I would start a thread on the rules and their updates so we can avoid the time to apply and possible dreaded 'hard pulls' on our credit report without getting a card. If you still got a...
by dual
Wed Aug 16, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 9189

Re: Just saved $1000 / year on mobile plan

For me personally, the phone is my internet, I have no WiFi where I live. So yes, streaming Netflix, Spotify, work related research, and so forth. OK, I can see that. Is Wifi just not available or do you save $$ by not buying it? I guess if you need to use a cellphone for data intensive application...
by dual
Sun Aug 13, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 9189

Re: Just saved $1000 / year on mobile plan

We pay about $13/month for two lines on Tracfone. I need unlimited data for business reasons. Other than "business reasons," I am curious how people use so much data. I am like Nicolas. We have 2 cellphones-one uses the H2owireless $10 for 3 months plan and the other the "RealMobile $10 for 4 month...
by dual
Thu Jul 20, 2017 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 30783

Re: Ally Bank 1.25% 11 month with no EWP

Bogleheads member tfb's website points out that the Vanguard money market fund has a competitive yield https://thefinancebuff.com/money-market-fund-vs-high-yield-savings-account.html As of today (7/19/17) VMMXX 1.11% edit: Just noticed that the Alliant savings account yield is also 1.11% Also, I jus...
by dual
Thu Jul 13, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Cheap eggs... how bad?
Replies: 82
Views: 7623

Re: Cheap eggs... how bad?

Massachusetts recently passed a bill requiring egg laying chickens to be housed in a space that averages at least a letter sized piece of paper per chicken. It was vehemently opposed by the industry. That should give you an idea about the conditions under which the chickens live. Because cramming c...
by dual
Tue Jul 11, 2017 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8741

Re: Switch to federal job?

If it was the utopia some claimed it to be, you'd have 100% retention, right? Just look at the facts (and who knows, maybe even patriotism is ok to accept as a motivator) and not rely on some distorted fantasy suggested by those (not) in the know. Rates of separation of government employees (i.e. f...
by dual
Mon Jun 12, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 7750

Re: Have you canceled cable?

About a year ago I cancelled my landline service and ported my number to Google Voice. Now I only have internet and an over the air antenna. I never have had cable. I had my old phone number for about 40 years and it had become about useless because of constant spam calls. But in case someone that I...
by dual
Sat May 27, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 9506

Re: The dot com "do over" bull market?

I think we are way over computerized for too much stuff with little security or hacking protection. We are just one coordinated cyber attack from people not having enough to eat or correct medical treatment or correct bank accounts. We are being complacent all over the place. I agree and hacking of...
by dual
Wed May 24, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 4421

Re: Fidelity customer protection guarantee-void if you use Mint?

I agree with most of the comments about not sharing passwords. I do use Mint to track my spending only. For that I only need give them my info on my credit card and my checking account. Same here--no brokers linked to Mint. Unfortunately, accessing credit cards results in Mint having access to my b...
by dual
Sat May 20, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4433

Re: Rice Cooker

For years we had a PORC (plain old rice cooker) and were happy with it. Then I read the raves about the fancier ones so we decided to buy one. Big mistake: 1. The new one has the top attached to the body so we cannot wash the top in the dishwasher. We never wash the bowl in the dishwasher because it...
by dual
Sat May 20, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 41
Views: 4433

Re: Rice Cooker

duplicate
by dual
Fri May 19, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2736

Re: Just opened CD ladders at Fidelity and Vanguard

I can have money transferred to a broker in a couple of days, breaking CD's vs having a truly liquid account would make no sense for me. Your comments upthread seemed to indicate you value holding the CD's to maturity, not use them as a "money" fund. Anyway, whatever works for you. As mentioned abo...
by dual
Fri May 19, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2736

Re: Just opened CD ladders at Fidelity and Vanguard

Barclays is paying 1.05% on savings( had been at 1.00% for a long time), and Capital One 360 has been at .75% for years as well. No reason to accept zero on cash. The reason for the CD ladder is to have the cash available at a broker like Fidelity when I need it to invest. High interest (?? I can't...
by dual
Thu May 18, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2736

Re: Just opened CD ladders at Fidelity and Vanguard

Jack FFR1846 wrote:I don't see an advantage of a brokered CD.
I buy them in my IRAs. Transferring the money between IRAs is a PITA and the quoted rate can go away before you complete the transfer. I did not check the Fido rates for longer term CDs but the short term rates are pretty good.
by dual
Thu May 18, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2736

Re: Just opened CD ladders at Fidelity and Vanguard

Ally is 1.35% for a year. Interesting. That is the rate offered on the one year brokered CDs at Fido Can you explain the characteristics of brokered CDs? I went and looked at Fidelity and got pretty scared at the fees and lack of early withdrawal information. They are CDs offered by regular banks w...
by dual
Thu May 18, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened CD ladders at Fidelity and Vanguard
Replies: 12
Views: 2736

Just opened CD ladders at Fidelity and Vanguard

In case you haven't noticed the rates on short term brokered CDs are now high enough so it is worth buying them. I just bought some one year CD ladders at Fidelity and Vanguard and compared the experiences. Fidelity has an excellent CD ladder tool. You tell it the total amount you want to invest and...
by dual
Fri May 12, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 7324

Re: Anyone use Python to analyze their finances?

Many here have mentioned that they use spreadsheets for their calculations. IMHO the use of a spreadsheet for anything more complex than adding a column of numbers is a serious mistake. The reason for this is that for anything more complex than that it is almost impossible to: (a) validate the calcu...
by dual
Fri Mar 31, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 2524

Re: running tax software on Linux using Windows virtual machine

Thanks to all for the information. It looks like running Ttax on a Windows virtual system is doable. As mentioned, an alternative would be to keep a Win7 system around for situations like these but it would be better to stay with one system IMO. I am happy with my current Windows 7 box but articles ...
by dual
Thu Mar 30, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 2524

Re: running tax software on inux using Windows virtual machine

Could a moderator correct the typo in the title of this post

inux -> linux :oops:
by dual
Thu Mar 30, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 2524

Re: running tax software on linux using Windows virtual machine

Windows runs fine on virtual machines running on Linux, so there should be no problem running TT or other tax software on Windows running on a VM. But you will have to buy Windows, right? Microsoft provides free Virtualbox 'images' (or whatever the proper term is) of Windows 7, 8, and 10. They are ...
by dual
Thu Mar 30, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 2524

running tax software on Linux using Windows virtual machine

I am interested in switching my main computer to Linux but one of the things holding me back is running tax software e.g. turbotax on it. One way to do this is to run the tax software on a windows virtual machine. If anyone has done this I am interested in how it works. p.s. I do not want to run the...
by dual
Fri Mar 17, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Autonomous Vehicles and Drone Deliveries
Replies: 31
Views: 2752

Re: Autonomous Vehicles and Drone Deliveries

Some interesting factoids and speculations that may have some truth to them According to a driverless car technology online class I took, if you take an aerial photo of a freeway at rush hour that is crowded but still moving at the speed limit, over 90% of the road area is vacant. If you could get c...
by dual
Fri Mar 17, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard reinvested my dividends - what now?
Replies: 20
Views: 2661

Re: Vanguard reinvested my dividends - what now?

The effect of the reinvested shares on the amount of your taxes is negligible

As to complexity of filling out your return, when you sell the shares Turbotax and probably HRBlock will download information directly from Vanguard and fill out all your forms.
by dual
Fri Mar 10, 2017 1:55 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4966

Re: Why not hedge using futures?

What counts as maintenance margin in my futures account? When I sell short an ES-mini contract the broker requires $5500 in the account and suppose I have exactly that amount of cash in my account. But I also have 100 shares of SPY currently worth around $23,000. Suppose the S&P 500 goes up enough s...
by dual
Sun Mar 05, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4966

Tax reporting

I found this explanation of taxation of e-mini futures: http://www.blackjacktrader.com/TradersTaxes.html At the end of the year you will receive a Form 1099-B Proceeds From Broker and Barter Exchange Transactions from each broker where you had a trading account. For emini futures traders, the amount...
by dual
Sun Mar 05, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4966

Re: Why not hedge using futures?

Can anyone suggest an online article/book that covers the nuts and bolts of this strategy? Some articles I found: I particularly recommend the following: http://www.schwab.com/public/schwab/nn/articles/Using-Futures-to-Help-Protect-Your-Portfolio-2 Other good articles but written from perspective o...