Search found 422 matches

by dual
Wed Sep 06, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Scanning Documents for Long Term Storage
Replies: 20
Views: 1985

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: 59
Views: 5254

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: 3159

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: 109
Views: 8887

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: 1619

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: 83
Views: 7711

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: 83
Views: 7711

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 1.25% 11 month with no EWP
Replies: 111
Views: 14992

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: 6695

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: 7786

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: 6517

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: 8772

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: 3533

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: 3912

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: 3912

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: 2123

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 men...
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: 2123

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: 2123

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: 2123

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: 2123

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: 6547

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: 2059

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: 2059

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: 2059

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: 2059

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: 2348

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: 2419

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: 4636

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 enou...
by dual
Sun Mar 05, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4636

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: 4636

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...
by dual
Sun Mar 05, 2017 1:11 am
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4636

Re: Why not hedge using futures?

Thanks for the info Tanelorn.

A question; I do not understand the 60-40 breakdown of long and short term capital gains.

The holding period for long term gains is one year. If I bought the short futures now it seems to me that at the end of the year everything would be short term capital gains?
by dual
Sat Mar 04, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Why not hedge using futures?
Replies: 54
Views: 4636

Re: Why not hedge using futures?

I am retired and want to lower my equity allocation so this strategy is interesting to me. It would allow me to change the stock market exposure now but spread the sales of stock over several years so the capital gains are in lower tax brackets. I am a total newb at this. Can anyone suggest an onlin...
by dual
Wed Feb 22, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs FSTVX
Replies: 10
Views: 1196

VTSAX vs FSTVX capital gain distributions

I own both funds and my impression is that FSTVX has larger cap gain distributions per dollar invested than VTSAX. I will do the computation when I do my taxes. p.s. IMO less cap gain distributions is better since not paying taxes on them allows me to have more money invested until I chose to sell t...
by dual
Mon Feb 20, 2017 1:21 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1100875

Re: The Three-Fund Portfolio

Serious questions: For those of you who moved from a different investing strategy to the Three Fund Portfolio, what did you do with your prior investments (namely individual stocks and actively managed funds)? Did you allocate all new money and investments into the Three Fund Portfolio? Did you sel...
by dual
Mon Feb 13, 2017 5:29 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 537
Views: 81428

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thought I would update my experience with transferring my ShareBuilder IRA to Fidelity. SB says they received the transfer request form on Feb. 3 (I submitted it a few days earlier at my local Fido branch). I got a secure message today (2/13/17) that they 'approved' the transfer and would first tran...
by dual
Sat Feb 11, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 10187

Re: Saved too much? What do you splurge on?

As the Borg said in one of those sci-fi movies, "Resistance is futile". I suspect there is a business opportunity for someone to make these beds fit normal bedroom decor and less like resignation to inevitable fate. But I am glad I took the plunge. I ended up sleeping on a $15 Intex air m...
by dual
Fri Feb 10, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 10187

Re: Saved too much? What do you splurge on?

Bedding: ...So I asked the hospital for the exact brand and model of bed and bought her one for her home. Still has her own home, with a live-in domestic help. So when I came home from my heart surgery I told DW I want the exact same model (I was in the same hospital as my Ma). Guess what? It works...
by dual
Mon Feb 06, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Family Emergency, Seeking Tax and Legal Insights
Replies: 11
Views: 1984

Re: Family Emergency, Seeking Tax and Legal Insights

CAsage and Rupert, Is there any way to get legal counsel from public sources? See if you can find a local chapter of NAMI, the national alliance for mental illness http://www.nami.org/ Depending on the chapter, the people there may be able to help you. Also check out this webpage for suggestions on...
by dual
Sat Feb 04, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 220
Views: 52317

Re: My New Car Buying Tips

I think dealers must be shopping one another using this method more frequently. Earlier this week I contacted 6 dealers about a vehicle I'm interested in. I got OTD quotes from 4 of them and they were all within $100 of each other. Prices about $900 below the "Truecar average"). I would n...
by dual
Fri Feb 03, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 537
Views: 81428

Re: Merrill Edge new funds requirement

So, my shares and cash were removed from my Capital One account this morning. Hopefully they will show up in the Merrill Edge account within a couple of days. So my 45 day concern should be resolved. I am doing a transfer of IRA funds from TDAmeritrade and CapitalOne to Fidelity. The TDAM transfer ...
by dual
Sat Jan 21, 2017 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: No health insurance tax penalty
Replies: 69
Views: 6266

Re: No health insurance tax penalty

President Trump just signed an executive order directing government agencies to minimize charges to individuals for the ACA penalty. You may want to wait on this to see what develops.
by dual
Sat Jan 21, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of credit card rewards (cash back and signup bonuses)
Replies: 25
Views: 3665

Re: Taxation of credit card rewards (cash back and signup bonuses)

I want to see if anyone is getting 1099s or similar forms for this kind of phantom "income". I am sort of curious about this too but not concerned. I think I got over $600 in credit card bonuses from BofA. If I get a 1099 I will include it in my income on my tax return. If not, I won't. I...
by dual
Wed Nov 30, 2016 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 20432

Re: Fidelity free Turbotax

When I look at the link, it pays a .75% bonus on 1% which makes it 1.75% or am I missing something?? I have a BofA Travel Rewards Signature Visa ... Grand Poobah (I am not sure what the designations are ) card. It pays 1.5% on purchases then with the Preferred Banking bonus it goes up to 2.625%. He...
by dual
Mon Nov 28, 2016 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 20432

Re: Fidelity free Turbotax

This question and all the answers got me thinking. I have had my retirement accts. with TIAA-CREF for 15 yrs., and they have never, ever, offered me anything free or any incentives. They are retirement accts., sure, but they have over $350,000 in holdings for which I pay expense ratios. It seems li...
by dual
Sat Nov 26, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax Software for 2016
Replies: 76
Views: 8890

Re: H&R Block Tax Software for 2016

I am curious why just using last year's software is not good enough for planning?

I am holding out for free software. Last year Vanguard quit doing this but I was able to get free TurboTax Federal+state from Fidelity.
by dual
Sat Nov 26, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 8665

Re: Investing in the 80's when CD rates were 17%?

I don't know where people are getting inflation rates of 18%. Here is a table of annual inflation rates for the 1980's. The columns are the annual rates reported for each month, By 1983 the rate had dropped to ~3% 1980 13.9 14.2 14.8 14.7 14.4 14.4 13.1 12.9 12.6 12.8 12.6 12.5 13.5 1981 11.8 11.4 1...
by dual
Fri Oct 21, 2016 12:57 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 537
Views: 81428

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

All of the transfer bonuses I have received have been in cash and the broker issued a 1099 on the amount. I am thinking of doing one of the Fidelity transfer for airline miles offers. Does Fidelity issue a 1099 on the miles? If so, how do they value them?
by dual
Mon Oct 10, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 537
Views: 81428

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I assume you need medallion signature guarantees to move that much $$ around? I find my credit union doesn't want to do them and they are a real pain to get. My experience is that these are required only if the receiving and sending accounts are registered differently. For example, one is a joint a...
by dual
Sat Sep 17, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: Those with negative yields on international bonds take heart
Replies: 82
Views: 9727

Re: Those with negative yields on international bonds take heart

How about this for an explanation of the bet in a US investor buying a negative rate bond? Say I want to buy a negative 1% rate 1000 euro 10 year bond and break even with buying the same amount of US 10 year notes. For a US investor buying 1000 euros today costs ~$1116. Use the euros to buy the 1000...