Search found 1428 matches

by Ice-9
Tue Oct 15, 2019 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: coin collection - sell or keep?
Replies: 7
Views: 808

Re: coin collection - sell or keep?

JM Bullion and APMEX are two reputable online dealers. Wouldn't hurt to look up on their websites what they might pay you for them.

https://www.jmbullion.com/sell-to-us/

https://www.apmex.com/sell-gold-sell-silver-overview
by Ice-9
Tue Oct 15, 2019 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Safe Harbor through Withholding
Replies: 22
Views: 761

Re: Safe Harbor through Withholding

Regarding your questions (a) and (c): (1) If you happen to have an inherited IRA at Vanguard or other brokerage with similar features, you could make a withdrawal and withhold 100%, effectively making a payment to the IRS. (2) While I've never personally used it, this IRS page discusses an online pa...
by Ice-9
Mon Oct 14, 2019 11:34 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 9
Views: 960

Re: I-Bonds for emergency fund, now or wait?

I like optimization as much as the rest of them, but I find it kind of amusing how much hemming and hawing there is about when to buy iBonds theoughout the year. On each individual’s 10K, even the 0.5% fixed rate is about $50 per year. If iBonds are to truly matter for a portfolio one must buy ever...
by Ice-9
Mon Oct 14, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is class action settlement taxable income?
Replies: 8
Views: 624

Re: Is class action settlement taxable income?

I've always included class action settlements in miscellaneous income. Quick Google Search seems to agree it's usually taxable. The major exception is damages for physical injury or physical sickness. However, I tried Googling the major tax software names and "report class action settlement" and can...
by Ice-9
Mon Oct 14, 2019 4:46 pm
Forum: Personal Investments
Topic: I-Bonds for emergency fund, now or wait?
Replies: 9
Views: 960

Re: I-Bonds for emergency fund, now or wait?

I'm buying the I-bonds with fixed rate 0.5% which is between current real yield on 20-yr and 30-yr TIPS before the end of October. https://www.treasury.gov/resource-center/data-chart-center/interest-rates/pages/TextView.aspx?data=realyield If by some crazy miracle I-Bond yields don't drop Nov 1, jus...
by Ice-9
Thu Oct 10, 2019 12:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 83
Views: 7736

Re: Fidelity to $0 Commissions

I always preferred Vanguard and have my Roth there, but my larger workplace accounts are at Fidelity. Ten years ago, I addressed this by: * setting up BrokerageLink self-directed brokerage window at Fidelity * directing bi-weekly contributions to Fidelity (then "Spartan") index funds, which did not ...
by Ice-9
Wed Oct 02, 2019 5:53 pm
Forum: Personal Consumer Issues
Topic: Video Doorbell without monthly Subscription
Replies: 9
Views: 1573

Re: Video Doorbell without monthly Subscription

Ring charges $3 per device per month. The $10 per month would cover any number of devices including alarm monitoring. If all you had was a video doorbell, then the $3/month would be the way to go to get the videos accessible for 60 days. You can still have the video doorbell to answer via intercom, ...
by Ice-9
Wed Sep 25, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 40
Views: 3165

Re: Chase Freedom Q4 category - how to use? [2019]

When drugstores are included for the category, I grab gift cards for other retailers. Home Depot, Amazon, restaurants. Amazon was/is useful for holiday times, I ship items right to the recipient. CVS, Walgreens, Rite-Aid, I've never had a problem. That's a good idea. I'll keep an eye out for that. ...
by Ice-9
Tue Sep 24, 2019 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 40
Views: 3165

Re: Chase Freedom Q4 category - how to use? [2019]

The fact that only the first $1500 earns the 5% cashback is why I never bothered with these cards, I'm surprised they're so popular. Well that works out to $500 per month on just one category of spending. Everyone's spending is different, but the only times I've surpassed the quarterly limit with t...
by Ice-9
Tue Sep 24, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Letter from Amex - scam?
Replies: 34
Views: 3728

Re: Letter from Amex - scam?

Each state has a website where you can search for unclaimed money that may eventually go to the state: https://www.unclaimed.org/ On that page they also link to the https://missingmoney.com website which attempts to search one name across multiple states. Every couple years this topic comes up on so...
by Ice-9
Mon Sep 23, 2019 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Q4 category - how to use? [2019]
Replies: 40
Views: 3165

Re: Chase Freedom Q4 category - how to use?

For many years, I distrusted PayPal for experiences in the previous decade. In early 2019, I got over it, as a number of friends prefer to send money that way, and I also participate in a cashback program for which PayPal is the most convenient way to receive my cash. I learned it's actually a neat ...
by Ice-9
Mon Sep 23, 2019 1:24 pm
Forum: Personal Investments
Topic: Buying ishares: Fidelity vs Vanguard
Replies: 14
Views: 1152

Re: Buying ishares: Fidelity vs Vanguard

Many ETFs are commission-free at Vanguard now. I didn't realize it either until upthread user arf30 linked to this PDF of 38 pages of ETFs that are commission-free at Vanguard... Interesting, I never even considered iShares ETFs before because I use Vanguard. I will have to look into this, I am loo...
by Ice-9
Mon Sep 23, 2019 1:16 pm
Forum: Personal Investments
Topic: Buying ishares: Fidelity vs Vanguard
Replies: 14
Views: 1152

Re: Buying ishares: Fidelity vs Vanguard

I know buying iShares ETFs is commission free at Fidelity, which is why they are probably favored at Fidelity. While you can purchase iShares ETFs at Vanguard, you may have to pay commission fees per purchase, which makes it less desirable than the Vanguard ETF equivalent which was commission free ...
by Ice-9
Fri Sep 20, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 26
Views: 7449

Re: Capital One 360 shaking up savings accounts

Thanks for mentioning this. Do you know how many performance savings account one can have? I have multiple accounts of their other (older) savings account so I can segregate my money into categories. I actually asked about this because I also have multiple of the old style account from the ING Dire...
by Ice-9
Thu Sep 19, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 26
Views: 7449

Capital One 360 shaking up savings accounts

Capital One 360 is the current online bank that formerly was ING Direct before Capital One took over their US business. Capital One 360 Savings Accounts no longer earn a competitive rate - just 1.0%. They have for at least a couple of years offered a Money Market Savings Account that does offer a co...
by Ice-9
Mon Sep 16, 2019 3:20 pm
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2067

Re: Should I change i-bonds -> stocks?

Can someone please explain where the 2.83% comes from, for April 2019? When I look at the rate table for I-bonds at Treasury Direct, all I see is 1.9% for bonds purchased in 2019. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#compositerate It comes from ...
by Ice-9
Mon Sep 16, 2019 9:47 am
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2067

Re: Should I change i-bonds -> stocks?

I want to ask you how long it usually takes to redeem an i-bond from treasury direct? The current interest rates and tax treatment makes i-bonds look better to me than Vanguard's federal mm. Is it a good idea for me to take 10k of that 35k and buy i-bonds right now? For me, it's always been next bu...
by Ice-9
Sun Sep 15, 2019 9:01 pm
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2067

Re: Should I change i-bonds -> stocks?

If you have some of the 0.5% fixed rate bonds from the last ten months, that might make a nice emergency fund for you after it ages past the initial year in which you can't withdraw. With that, your emergency fund would: * be tax-deferred until you redeem it, up to 30 yrs * when you did redeem, int...
by Ice-9
Fri Sep 13, 2019 12:13 pm
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2067

Re: Should I change i-bonds -> stocks?

If you have some of the 0.5% fixed rate bonds from the last ten months, that might make a nice emergency fund for you after it ages past the initial year in which you can't withdraw. With that, your emergency fund would: * be tax-deferred until you redeem it, up to 30 yrs * when you did redeem, inte...
by Ice-9
Tue Sep 10, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: is real estate dead as a diversifier?
Replies: 52
Views: 5497

Re: is real estate dead as a diversifier?

Assuming you mean is it a good diversifier against US Stocks, I don't see why not. A home value logically shouldn't vary with the value of the stock market. If you're asking specifically about REIT index funds, the Portfolio Visualizer website lists a 0.58 US Market correlation for VGSIX, which seem...
by Ice-9
Mon Sep 09, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: Passive in Name Only
Replies: 4
Views: 776

Re: Passive in Name Only

Well, only 21% of my portfolio is in a comparable index, and that is actually the Fidelity Zero Large Cap index, so maybe that counts in the bad category created by the fund company, though certainly it does not have higher expense ratios per the complaint of the OP. The rest of my portfolio is in s...
by Ice-9
Mon Sep 09, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4225

Re: Equifax breach settlement update?

I already use Credit Karma. I signed up for what was originally billed as $125 plus three hours of work involved dealing with the breach, researching it here and elsewhere, freezing credit, checking credit reports. I had read a blog saying the settlement would be $25 per hour for this (up to 10 hrs ...
by Ice-9
Sat Sep 07, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7191

Re: BofA ShopSafe going away

I have an old B of A card I never use and was not aware of ShopSafe until this thread. It sounds like it was a way to use virtual online account numbers? Assuming I have that correct, I've used a combo of Capital One's Eno and Paypal for that purpose. I also have a Citi card and am aware they offer ...
by Ice-9
Thu Sep 05, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at Capital One
Replies: 9
Views: 1195

Re: Zelle at Capital One

...I do know the savings account at Ally earns higher interest than the savings account at Capital One 360, but ACH transactions are much slower at Ally. [/b] For some. I get next day ACH from Ally. Good point. I edited my post to say "recurring ACH transactions are much slower." I just toyed with ...
by Ice-9
Tue Sep 03, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at Capital One
Replies: 9
Views: 1195

Re: Zelle at Capital One

I can verify that with the Capital One app, you can login using your thumbprint on an iPhone 7 Plus and use Zelle. After some initial confusion about Capital One's implementation of Zelle, I am happy with it. The first time you send money with Zelle to a specific recipient, it may take up to three d...
by Ice-9
Tue Sep 03, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Best way to collaborate on net worth/retirement goals?
Replies: 16
Views: 1842

Re: Best way to collaborate on net worth/retirement goals?

It sounds like you're looking specifically for an online tool, and Personal Capital that you already mentioned fits the bill. What WE do: I enjoy reading about investing and have set up a target allocation across many accounts that includes eight asset classes. My wife does not share my interest in ...
by Ice-9
Thu Aug 29, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 235
Views: 25074

Re: Index Funds Bubble?

I wouldn't mind if he was right that there's an opportunity in smaller caps right now, because I overweight small caps VIA INDEX FUNDS. My portfolio is 21% Fidelity Zero Large Cap Index and 14% Fidelity Zero Extended Market Index and thus holds more than the market weight of mid and small cap domest...
by Ice-9
Tue Aug 27, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1318

Re: Zelle at non-participating Bank/CU

Popmoney charges the sender $1 every transaction. I don’t think this is true anymore, at least according to my CU. Still listing a charge on their website: https://www.popmoney.com/how-it-works.html Straightforward pricing Flat $0.95 per transaction to use it here at Popmoney.com Maybe some CUs and...
by Ice-9
Tue Aug 27, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1318

Re: Zelle at non-participating Bank/CU

Popmoney is not on par with Zelle, Venmo, Cash App, or even Google Pay / Apple Pay. Popmoney charges the sender $1 every transaction. All of the other above options are free unless the recipient decides to pay extra for an instant transfer to their bank account (and instant is actually free for both...
by Ice-9
Mon Aug 26, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Capital One
Replies: 5
Views: 719

Re: Personal Capital and Capital One

Capital One used to ask me for the 2FA codes every time I logged into Personal Capital, but lately it's been more like once every two weeks or so. Not a big deal. I have other sites on Personal Capital that ask for the 2FA every single time. Gotta do what you gotta do, not that big of a sacrifice in...
by Ice-9
Fri Aug 23, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8619

Re: Do you sacrifice to save?

My percentage saved from gross has varied greatly over time. When I was single and renting in my thirties was my "biggest sacrifice" period, close to 40% of gross saved most years. However, it didn't feel like I was sacrificing, even though I was watching a lot of my peers spend more money. Today, m...
by Ice-9
Fri Aug 23, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance?
Replies: 26
Views: 1435

Re: Pet Insurance?

I read a similar thread on pet insurance vs saving in a dedicated account back when we got our dog back in 2008. In the recent past at that time, online savings accounts had been paying as high as 5% interest. We opted to give the dog his own subaccount at ING Direct and automatically send a small a...
by Ice-9
Tue Aug 20, 2019 4:09 pm
Forum: Personal Investments
Topic: Fidelity REITs
Replies: 13
Views: 1230

Re: Fidelity REITs

Late to the thread, but echoing the posts above... I'd held the ETF from Fidelity FREL for a few years in my BrokerageLink account until last year, when Fidelity made the big index fund changes to better compete with Vanguard. On their promotional chart I saw FSRNX with an ER of 0.070% and quickly s...
by Ice-9
Tue Aug 20, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 10569

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Ice cream is something (1) I like but (2) I readily recognize is easy to abuse. Therefore, my ice cream policy is as follows. Only eat ice cream: (a) if out and about and it's convenient and fun to get a single portion at an ice cream (or frozen yogurt) place - often a "kid's size cone" or (b) if a ...
by Ice-9
Wed Aug 14, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5435

Re: Do you "lock" computers in your home?

I realize I'm probably not the norm. I only access financial or other sensitive accounts via: * encrypted Linux virtual machine or, more recent option added: * Chromebook login specifically for financial accounts My LastPass is set up only in these two places. On my Mac, which otherwise is not set t...
by Ice-9
Tue Aug 13, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4776

Re: Ideas for Little Charges to keep Cards active

On most of them, I need activity every once in while to keep the card issuer off my back as far as shrinking the credit line or closing the account. I've never had a credit card company do this. Same here. This is good to hear. Maybe it is a very rare occurrence... It's not a rare occurrence. If yo...
by Ice-9
Mon Aug 12, 2019 4:19 pm
Forum: Personal Investments
Topic: Should Bonds be removed from Asset Allocation
Replies: 49
Views: 3577

Re: Should Bonds be removed from Asset Allocation

I believe in sticking to broad market index funds for equities. But with fixed income, as long as I stay in the universe of "sleep at night" securities (CDs, savings bonds, basically nothing riskier than Total Bond Market) I give myself some slack. I've never felt I could do too much harm actively c...
by Ice-9
Mon Aug 12, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 4776

Re: Ideas for Little Charges to keep Cards active

I have two cards I normally don't use that I want to keep active. I didn't want to use a Netflix or other streaming subscription for these cards, because then I'd be giving up the 6% cashback I could be earning on such transactions if I instead used my American Express Blue Cash Preferred card. One ...
by Ice-9
Sun Aug 11, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 1973

Re: Is it time to sell I-Bonds?

Everyone's situation is different. I continue to hold a large amount of 1.6% fixed rate I-Bonds (much higher composite rate right now) that I originally bought in 2003 intending it to be an emergency fund. Time proved them to be a better investment than the bond funds in my portfolio, so I eventuall...
by Ice-9
Fri Aug 09, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4187

Re: Do You Order "the Special" at Restaurants?

I just wanted to clear this up. Places that list the specials on the menu or on an insert in the menu almost always list the price. I believe the specials a few posters were referring to where you aren't provided the price are at places where you learn about the special only via the wait staff telli...
by Ice-9
Mon Aug 05, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Are Ally ACH transactions always slow?
Replies: 22
Views: 863

Are Ally ACH transactions always slow?

Long ago, I think ING Direct was this forum's consensus online savings account. Since ING Direct's US operations were acquired by Capital One and the accounts changed over to Capital One 360, I think if there were a replacement consensus online savings account for the forum it's been Ally. I've resi...
by Ice-9
Thu Aug 01, 2019 10:57 am
Forum: Personal Investments
Topic: Fidelity ZERO funds now available via BrokerageLink
Replies: 20
Views: 1762

Re: Fidelity ZERO funds now available via BrokerageLink

They’ve been available on brokeragelink for awhile now... Does anyone know if this is true for any 401k plan which includes the BrokerageLink, or does it vary depending on the particular employer's plan? Just called Fidelity. Yes, any 401(k) plan with BrokerageLink (or in my case 401(a) and 457(b))...
by Ice-9
Thu Aug 01, 2019 10:32 am
Forum: Personal Investments
Topic: Fidelity ZERO funds now available via BrokerageLink
Replies: 20
Views: 1762

Re: Fidelity ZERO funds now available via BrokerageLink

When Zero funds first came out with a big buzz a year ago, I immediately called Fidelity and asked about their availability in BrokerageLink. I was told in no uncertain terms that the Zero funds would not be made available there. Then in February, I saw someone on the Friends of Vanguard Facebook Gr...
by Ice-9
Thu Aug 01, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 8815

Re: Beyond Meat Burger? Do you like?

I'm someone who likes my real burgers well done. I've been trying to have veggie burgers around as a go-to at lunch to reduce my red meat intake. I tried Beyond Meat burgers a couple months ago and actually liked them better than Boca burgers, even though the patty remains so red on the inside I'd n...
by Ice-9
Wed Jul 17, 2019 5:22 pm
Forum: Personal Investments
Topic: What is your Re-balancing Trigger?
Replies: 28
Views: 1960

Re: What is your Re-balancing Trigger?

I also use the Larry Swedroe 5/25 rule mentioned above. It was pretty easy to set up conditional formatting in my asset allocation spreadsheet along the 5/25 rule so the cell is highlighted when rebalancing is needed. Happens in my portfolio maybe once every 2-3 years. (Except during 2008-9, when I ...
by Ice-9
Sat Jul 13, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 181
Views: 30947

Re: Cash - Throw it all on the table!!!

Our cash: TIER 1: enough for mortgage, one month's credit cards paid in full, and the minimum to keep safe deposit box in low-interest accounts where most of our transactions actually occur TIER 2: usually close to two months' expenses in a high-yield online savings account that we only draw from fo...
by Ice-9
Sat Jul 13, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3849

Re: How to encrypt Cloud backups?

These suggestions to use an entire backup container sound extremely cumbersome to me, unless you intend on keeping the backup very small. Every time you modify the contents of a file - even a single character - you’ll have to re-upload the entire container That's actually not true, at least with Ve...
by Ice-9
Thu Jul 11, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3849

Re: How to encrypt Cloud backups?

+1 on Veracrypt I put our virtual replacement for a physical file cabinet on Dropbox encrypted with VeraCrypt. It's split into containers for Health, Tax, Statements, and a couple others, each about 200 - 500 Mb. I have a Python script that fires twice a month that then copies the containers to simi...
by Ice-9
Tue Jul 09, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11479

Re: What backup service to use?

Which services still allow you to send/receive physical backups? E.g., I clone my SSD to an external 2.5" hard drive, mail it to the provider, and then do incremental backups via internet. And I can order a current version loaded onto a 2.5" hard drive if needed. Since like most cable broadband sub...
by Ice-9
Tue Jul 09, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11479

Re: What backup service to use?

I do the following: * Backup entire Mac to Time Machine external drive * Backup entire Mac to BackBlaze * Sync specific items for various purposes using free Dropbox, free Google Drive, and paid OneDrive * Among the aforementioned synced items are about 1.5 Gb of encrypted sensitive files that years...