Search found 1207 matches

by mudfud
Sat Aug 17, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8855

Re: Got mugged in London...Phone stolen...what else do I need to do?

Not trying to be contentious, just my factual question still isn't answered. I don't understand 'hashed and salted' either. I'm not trying to be contentious, just want somebody to explain explicitly with no assumptions I know stuff I might not know, how would my passwords be discovered by somebody ...
by mudfud
Mon Aug 05, 2019 7:21 pm
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8855

Re: Got mugged in London...Phone stolen...what else do I need to do?

Not trying to be contentious, just my factual question still isn't answered. I don't understand 'hashed and salted' either. I'm not trying to be contentious, just want somebody to explain explicitly with no assumptions I know stuff I might not know, how would my passwords be discovered by somebody ...
by mudfud
Sat Jul 13, 2019 9:52 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 56
Views: 8855

Re: Got mugged in London...Phone stolen...what else do I need to do?

Not trying to be contentious, just my factual question still isn't answered. I don't understand 'hashed and salted' either. I'm not trying to be contentious, just want somebody to explain explicitly with no assumptions I know stuff I might not know, how would my passwords be discovered by somebody ...
by mudfud
Thu Jan 17, 2019 1:02 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 59046

Re: John Bogle has died at age 89

A remarkable man of great integrity, who did so much, for so many. What a wonderful life!
by mudfud
Mon May 28, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4518
Views: 868135

Re: What's Your Credit Card Rewards Strategy?

anywho, you pushed to me do the math. based on my spending patterns, after accounting for annual fees and assuming a 1.5x redemption factor, CSR+CFU gives me 2.75% effective cashback, vs CSR+BoAPR which gives me 2.81%. if i bump the factor to 1.7 (pretty easy with southwest flights), it becomes CSR...
by mudfud
Mon May 28, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4518
Views: 868135

Re: What's Your Credit Card Rewards Strategy?

anywho, you pushed to me do the math. based on my spending patterns, after accounting for annual fees and assuming a 1.5x redemption factor, CSR+CFU gives me 2.75% effective cashback, vs CSR+BoAPR which gives me 2.81%. if i bump the factor to 1.7 (pretty easy with southwest flights), it becomes CSR...
by mudfud
Sat Feb 03, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Sally Mae money market: any experiences? (looking to store cash)
Replies: 6
Views: 914

Re: Sally Mae money market: any experiences? (looking to store cash)

I like the Sallie Mae money market account because I can write checks directly (if necessary-I've not used this feature yet) without the delay of ACH transfer to a checking account.
by mudfud
Sat Jan 27, 2018 10:23 pm
Forum: Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 9142

Re: Your bond allocation when you were 48

42% bonds, 48% stocks, 10% TIAA-RE
by mudfud
Fri Jan 05, 2018 12:28 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 167
Views: 17029

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2365.61
Also posted on Google Forms.
by mudfud
Thu Dec 28, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Dollar Savings Direct lowers rate AGAIN
Replies: 70
Views: 17321

Re: Dollar Savings Direct lowers rate AGAIN

After a long period of non-competitive savings rates, Dollar Savings Direct leaped back into the fray around April 2017.

Currently offering 1.5% APY.
by mudfud
Thu Dec 28, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Fidelity Donor-Advised Fund
Replies: 7
Views: 1192

Re: Question about Fidelity Donor-Advised Fund

I went to the websites of each organization and I found a "donate by mail" or similar link. These links provided all necessary information such as Event ID, Participant ID, and so on. This gives me confidence that the donation will be credited correctly. On another note (for those considering a DAF)...
by mudfud
Thu Dec 28, 2017 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Question about Fidelity Donor-Advised Fund
Replies: 7
Views: 1192

Re: Question about Fidelity Donor-Advised Fund

I appreciate all the replies. The link above has the following passage: "Some uses require that Fidelity Charitable do additional research to ensure the grant can be made from your Giving Account. Membership Charity Event — not attending Race, run, walk" I usually sponsor about a dozen individuals e...
by mudfud
Mon Dec 25, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 27301

Re: Do you see a meaningful change in your income with new Tax Bill?

We would see a large decrease in taxes, about 4% of our AGI. We will no longer be paying AMT, and this accounts for about 1%. The other 3% comes from changes in the tax brackets.
by mudfud
Mon Dec 25, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Need to open HSA account and IRA before the end of the year. Possible?
Replies: 23
Views: 1840

Re: Need to open HSA account and IRA before the end of the year. Possible?

Before you open an HSA, please do provide more info on the type of health insurance plan, the deductibles and how you get the insurance (through employer or self employed). This will help in making sure that you do it right the first time. As for IRA, are you eligible for Trad IRA? Roth IRA doesnt ...
by mudfud
Mon Dec 25, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Fidelity Donor-Advised Fund
Replies: 7
Views: 1192

Question about Fidelity Donor-Advised Fund

I often contribute to fundraising campaigns such as the American Cancer Society/American Heart Association Walks. I make specific contributions to the pages of friends or relatives who are walking for a good cause. Can I use the Fidelity DAF to make contributions to specific fundraisers?

Thanks,
Mud
by mudfud
Sun Dec 24, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: $5000 donor advised fund - fees seem awfully high
Replies: 21
Views: 3137

Re: $5000 donor advised fund - fees seem awfully high

As pointed out in another thread, the tax drag on an investment like Total Stock Market is around 0.6% per year for many investors, so there is no loss contributing taxable funds to a DAF. Plus, avoiding capital gains taxes is still a win. Agree, but one can also avoid capital gains by directly don...
by mudfud
Sun Dec 24, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: $5000 donor advised fund - fees seem awfully high
Replies: 21
Views: 3137

Re: $5000 donor advised fund - fees seem awfully high

As pointed out in another thread, the tax drag on an investment like Total Stock Market is around 0.6% per year for many investors, so there is no loss contributing taxable funds to a DAF. Plus, avoiding capital gains taxes is still a win. Agree, but one can also avoid capital gains by directly don...
by mudfud
Sat Dec 23, 2017 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund (DAF) - Bunch Now - Easy (even easier than backdoor Roth)
Replies: 19
Views: 1958

Re: Donor Advised Fund (DAF) - Bunch Now - Easy (even easier than backdoor Roth)

For 2018 we'll still be subject to AMT, and as far as I can tell, charitable donations will still be deductible. That said, we will no longer be in the AMT phase out range, and so our marginal rate will be lower (and so slightly more value to donations in 2017)
by mudfud
Sat Nov 04, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Anyone else have problems with Fitbit products?
Replies: 19
Views: 1591

Re: Anyone else have problems with Fitbit products?

We got 2 Fitbit HRs last year, and both started with a blister, followed by separation of the band from the device. I contacted Fitbit, and since it was less one year, the devices were replaced under warranty. But what would have happened if the devices failed after one year? I'm wondering if the wa...
by mudfud
Fri Jul 07, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 13479

Re: A good VISA card for Gas & Groceries?

Costco Visa does give you 4% on all gas purchases, not just at Costco, so something to consider.
by mudfud
Sun Apr 09, 2017 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: form 8606 basis question.
Replies: 30
Views: 2604

Re: form 8606 basis question.

I'm having a similar issue with TurboTax. This year I'm using TurboTax desktop, after having used TaxAct desktop the last few years. I have pesky $1 basis from 5 years ago that TaxAct carried forward on consecutive 8606s (Lines 2 and 14). Each year, my entire Traditional IRA was converted into a Ro...
by mudfud
Sun Apr 09, 2017 1:42 am
Forum: Personal Finance (Not Investing)
Topic: form 8606 basis question.
Replies: 30
Views: 2604

Re: form 8606 basis question.

I'm having a similar issue with TurboTax. This year I'm using TurboTax desktop, after having used TaxAct desktop the last few years. I have pesky $1 basis from 5 years ago that TaxAct carried forward on consecutive 8606s (Lines 2 and 14). Each year, my entire Traditional IRA was converted into a Rot...
by mudfud
Sun Feb 19, 2017 12:58 am
Forum: US Chapters
Topic: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM
Replies: 69
Views: 12350

Re: HAPPY 10TH BIRTHDAY BOGLEHEADS FORUM

I do remember the heady early days--amazing that 10 years have passed already! A big thanks to "Phoenix" who started it all with " A Port in the Storm ". From Phoenix's inaugural post on February 19,2007: Welcome to a new forum for Vanguard Diehards. This forum's purpose is to enable intelligent onl...
by mudfud
Mon Feb 13, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 79
Views: 30114

Re: Audi Q7 Reliability

One thing to consider (especially since this will be a surprise) is that the styling of the 2017 Q7 is very different from previous years. More sharp angles, the grill is different, more of a station wagon look. Some like it, some despise it. http://o.aolcdn.com/dims-global/dims3/GLOB/legacy_thumbna...
by mudfud
Sat Jan 21, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: ok to pull plug and retire?
Replies: 52
Views: 9887

Re: ok to pull plug and retire?

The one thing that would give me pause is health insurance. Our ages are about the same, and we have enough monetary assets to retire. However, we are uneasy about a post-ACA-repeal world. What will happen to those with preexisting conditions? Also, what will happen to the ban on lifetime maximums o...
by mudfud
Wed Jan 11, 2017 12:01 am
Forum: US Chapters
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 26886

Re: Sad News About a Respected Forum Member

Ole Meph has meant a lot to me for various reasons. All I can say is THANK YOU Ole Meph. Below I'm reproducing my post from December 7th, 2007 on this forum: "This is a tremendous forum, thanks to folks like Ole Meph. Everyone has their own stories about how they found the Diehards. For me it was th...
by mudfud
Sat Dec 31, 2016 12:01 am
Forum: Investing - Theory, News & General
Topic: 2016 Boglehead Contest Winners
Replies: 22
Views: 3008

Re: 2016 Boglehead Contest Winners

Missed again, but there's always next year! Happy to finish in the top ten, but still not as good as my second place finish in 2012. Now all I have to do is tweak my magic formula... :wink:
by mudfud
Thu Dec 29, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: 100% Gain--Really!
Replies: 65
Views: 16885

Re: 100% Gain--Really!

RZV (Rydex S&P Smallcap 600 Pure Value ETF) is now up about 670% from the March 2009 lows. Based on this article , it turns out that RZV is indeed the best performing non-leveraged ETF since the March 2009 bottom. In the early days of this forum, RZV was much discussed due to its small deep value c...
by mudfud
Mon Dec 05, 2016 4:16 pm
Forum: Investing - Theory, News & General
Topic: 100% Gain--Really!
Replies: 65
Views: 16885

Re: 100% Gain--Really!

RZV (Rydex S&P Smallcap 600 Pure Value ETF) is now up about 670% from the March 2009 lows.
by mudfud
Tue Oct 18, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: New Ibond variable rate 2.76% on November 1st. Thoughts?
Replies: 87
Views: 22719

Re: New Ibond variable rate 2.76% on November 1st. Thoughts?

I will be buying my 2016 allocation after November 1. What's interesting is that I-bonds have a "ratcheting" effect that becomes apparent when the overall inflation is close to zero. You get the upside when inflation is above zero for a six-month period, but not the downside when the rate is below z...
by mudfud
Sun Jun 05, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 61041

Re: [Fidelity drops AmEx, Bank of America credit cards]

If you have an existing legacy card (e.g. from MBNA with 1.5% rebate), then you might not be getting a 2% replacement card from Elan. "Q: Will there be any change to my current cash back percentage or rewards? A: Your cash back percentage will be the same as it is today. Your new credit card will f...
by mudfud
Sat May 14, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 7266

Re: Top 100 colleges - Highest priority

We do a group exercise during interview week and give the students a tough problem to solve and observe the group dynamic. Our students need to be able to critically think, prioritize, and have good interpersonal skills and empathy. My concern is that this approach would exclude students with Asper...
by mudfud
Fri May 13, 2016 11:39 pm
Forum: Personal Consumer Issues
Topic: National Universities rankings 25 to 75 - Highest priority
Replies: 65
Views: 7266

Re: Top 100 colleges - Highest priority

We do a group exercise during interview week and give the students a tough problem to solve and observe the group dynamic. Our students need to be able to critically think, prioritize, and have good interpersonal skills and empathy. My concern is that this approach would exclude students with Asper...
by mudfud
Tue Mar 08, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Factory Reset - Nexus 9
Replies: 4
Views: 539

Re: Factory Reset - Nexus 9

I did this for a Nexus 5. No change in OS, still Marshmallow.
by mudfud
Mon Feb 15, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2015
Replies: 124
Views: 33178

Re: Best albums of 2015

I can't wait to download "Sound & Color" the new album by Alabama Shakes on April 21st. This is by far the best band I have heard in years-they have an incredible throwback sound. Brittany Howard is an amazing talent. As point of reference, the last album I bought on the release day was Nirvana's I...
by mudfud
Tue Jan 26, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 61041

Re: [Fidelity drops AmEx, Bank of America credit cards]

Quick recap: FIA cancelled my AMEX in December when I flagged a Brazilian cable company charge I had no knowledge of from a company that has known FIA AMEX mischarges going back at least a year on the internet. Just got the same Brazilian cable company charge. Now on to my fifth FIA Amex card in th...
by mudfud
Fri Jan 22, 2016 1:19 pm
Forum: Personal Investments
Topic: Any experience with Specfic ID for non-covered ETFs in VBS?
Replies: 6
Views: 826

Re: Any experience with Specfic ID for non-covered ETFs in VBS?

I have never had the IRS ask about any kind of confirmation documentation. I don't keep confirmations. I only keep the year-end statement. I get the sense from this thread that you might be inordinately worried about something that is nothing to worry about. I have sold non-covered shares at other ...
by mudfud
Fri Jan 22, 2016 11:44 am
Forum: Personal Investments
Topic: Any experience with Specfic ID for non-covered ETFs in VBS?
Replies: 6
Views: 826

Re: Any experience with Specfic ID for non-covered ETFs in VBS?

I went ahead and sold a non-covered ETF lot. This lot was actually purchased at another brokerage 2009 and transferred to VBS. The purchase date and cost basis had not transferred over, and I had entered the data myself in VBS. My sell confirmation has the following data about the cost basis: 1) Met...
by mudfud
Sat Jan 16, 2016 1:50 pm
Forum: Personal Investments
Topic: Any experience with Specfic ID for non-covered ETFs in VBS?
Replies: 6
Views: 826

Re: Any experience with Specfic ID for non-covered ETFs in VBS?

Thanks for your reply. After you sold the non-covered ETFs, did the confirmation state the date of purchase for the lot? In the past the "versus purchase" method would work, but would entail making a call to VBS.

Thanks again,

Mud
by mudfud
Sat Jan 16, 2016 12:23 am
Forum: Personal Investments
Topic: Any experience with Specfic ID for non-covered ETFs in VBS?
Replies: 6
Views: 826

Any experience with Specfic ID for non-covered ETFs in VBS?

After the changes in 2011/2012, selling stocks/ETFs in VBS with specific ID is now painless, with the basis being reported to the IRS. But what about non-covered ETFs? In the past (pre 2011) VBS recommended the method quoted below for identifying lots while selling (to emphasize, this is for VBS onl...
by mudfud
Fri Nov 27, 2015 10:26 am
Forum: Forum Issues and Administration
Topic: Bogleheads Website - Security Cert Expired
Replies: 51
Views: 9280

Re: Bogleheads Website - Security Cert Expired

mingstar wrote:I just installed a new certificate. It's valid for the next three years.

Larry
Thanks Larry, your work is much appreciated!
Mud
by mudfud
Tue Nov 24, 2015 9:44 pm
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 16300

Re: Best Use of Ultimate Rewards Points

There are some recent good news for those collecting Chase URs: 1. Chase Sapphire Preferred (CSP) is now offered with a 50k bonus (up from 40k). Thanks. I had obtained CSP a couple of months ago for the 40K offer, so I sent a secure message yesterday requesting an upgrade to 50k, and was approved t...
by mudfud
Tue Nov 03, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum $450/yr annual fee but 100,000 points
Replies: 57
Views: 16389

Re: Amex Platinum $450/yr annual fee but 100,000 points

CSP IMO has 2 valuable transfer partners that AMEX doesn't have: United and Hyatt. Marriott and Ritz Carlton--you might as well be throwing money down the toilet you need so many points for a redemption. Other airline options AMEX is on equal/better footing IMO. United can be booked with AMEX point...
by mudfud
Mon Nov 02, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Amex Platinum $450/yr annual fee but 100,000 points
Replies: 57
Views: 16389

Re: Amex Platinum $450/yr annual fee but 100,000 points

I got this offer as well. Most of the benefits of this card are not worth much to me, but I'm still thinking of taking this offer. Membership rewards don't have the flexibility of Ultimate Rewards/CSP, but I figure that a baseline value for 100,000 MR points is $600 (apply to charges). I can use MR ...
by mudfud
Wed Oct 21, 2015 11:00 pm
Forum: US Chapters
Topic: Selected photos of my ride from Richmond, VA to Valley Forge, PA
Replies: 20
Views: 3493

Re: Selected photos of my ride from Richmond, VA to Valley Forge, PA

Raybo,

Thanks! I've really enjoyed reading your journals. My favorite is the 2008 France trip. The resilience you displayed following the "Kafkaesque" episode was truly amazing!

Best,
Mud