Bogleheads.org

chinchin

Maybe he forgot his password.

chinchin

Just here to say that Mitt Romney has $102 Million in his IRA (as of 11 years ago, so probably more today)

https://www.theatlantic.com/politics/ar ... ra/261500/

chinchin

phositadc wrote: ↑Sat Apr 01, 2023 9:17 am

No "heat stroke" season.

I don't know what qualifies as "heat stroke" season. Having said that, these are the yearly highs in Seattle:

Max (°F) - Date
95 - July 31, 2022
108 - June 28, 2021
98 - August 16, 2020
95 - June 12, 2019

chinchin

CSE doesn't mean you work on hardware. That would be an EE degree.

chinchin

Apple iCloud+ pricing:

United States (USD) / month
50GB: $0.99
200GB: $2.99
2TB: $9.99

With Family Sharing, you can share a subscription to iCloud+ with everyone in your family group.

https://support.apple.com/en-us/HT208147

chinchin

The better question is if you live in a high inflation country, why would you invest in a deflationary country.

Or, if you're a Japanese person buying $ denominated assets at 130 to the yen and then the dollar goes to 110 yen, you just lost 15%.

chinchin

Yeah also the Nikkei is price weighted like the Dow.

chinchin

The Japanese did just fine because they had deflation.

chinchin

Honestly I think this could be fake news as the Fed made the reserve requirement zero (in 2020) and also implemented the Bank Term Funding Program to re-capitalize the banks.

chinchin

Flight to Money Funds Is Adding to the Strains on Small Banks

https://finance.yahoo.com/news/flight-m ... 35508.html

chinchin

People thought 60-40 was "safe" until the Fed started jacking up rates and bonds tanked.

People thought Vanguard Target Date funds were great until they unleashed a tax bomb.

Plausible deniability is valuable.

chinchin

Will you be providing refunds if your advice results in lost money / gains?

chinchin

protonvpn

chinchin

1. Yes, but apparently Fidelity account numbers are "long" and sometimes there are issues.
2. The Fidelity credit card

chinchin

whodidntante wrote: ↑Sat Mar 11, 2023 8:19 pm Even for amounts larger than your mortgage payment, unless I'm speaking with Elon Musk or something.

Elon Musk claims to be homeless.

https://www.independent.co.uk/news/worl ... 60186.html

chinchin

Fooled by Randomness

chinchin

Are there cases where the MF is preferred?

1. When you want to invest every penny.
2. Rebalancing is easier.
3. Automatic buying may be easier depending on the platform.

chinchin

Nothing to worry, the system just made unauthorized changes to your account. Vanguard is safe. Stay the course.

chinchin

Vanguard Federal Money Market Fund is good enough for me.

chinchin

I guess I should feel bad for victimizing people through my ownership of Visa and Mastercard via VTI.

chinchin

Very nice

I love it when s add m.

chinchin

impatientInv wrote: ↑Mon Mar 27, 2023 3:32 pm

Anyone have experience where to buy an apple device (non cellular)? iPhone 12, 13 or 14.

apple.com

or

Apple Refurbished Store

chinchin

CDs aren't very liquid compared to treasuries. I haven't heard of anyone that trades CDs.

chinchin

The Black Swan & Fooled by Randomness.

chinchin

Carefreeap wrote: ↑Mon Mar 27, 2023 1:36 pm
Zillow says property is still worth $1.25k.

Did you mean $1.25MM?

chinchin

If you already have music files on your PC, can't you transfer them directly to your phone without going through YouTube Music (etc.)?

chinchin

Even if it were allowed, I don't think I would pay $75 per transaction to buy a money market fund.

chinchin

Interesting. I buy VMFXX at Chase.

chinchin

$45 / hr.

chinchin

IBKR offers a 1% match on inbound transfers, but you need a referral code.

chinchin

Laid-off Twitter software engineer calls job market 'hot garbage': 'Maybe I should go be a firefighter'

https://news.yahoo.com/laid-off-twitter ... 01890.html

Over the past two weeks, a total of 40,000 employees have been laid off from Amazon, Microsoft, and Google, a nightmare come true for tech workers.

https://www.businessinsider.com/layoffs ... =yahoo.com

chinchin

id0ntkn0wjack wrote: ↑Sat Mar 25, 2023 11:02 am Has increased demand from folks moving their non-FDIC insured deposits to the safety of TBills allowed the Treasury to reduce rates?

The Treasury doesn't set rates on their debt, the market does.

chinchin

SeattleLaw wrote: ↑Fri Mar 24, 2023 6:01 pm

Would it be 4:20 local, or 4:20 eastern?

Markets close at 4:00 PM Eastern, or 1:00 PM pacific.

chinchin

You could sell the bill you have right before the auction you want to participate in, which would be a lot simpler.

chinchin

If you signed up for Premium on the laptop, the Premium status is tied to whatever Google account you used when you signed up. It sounds like you are trying to log in to Premium using your Apple ID on your iPhone. That will not work. Your Google account is separate from your Apple account. Sign in to your Google account on the YouTube app on your iPhone, that might work.

chinchin

lillycat wrote: ↑Wed Mar 22, 2023 1:38 pm A cup of coffee costs $6 at SB? No.

Venti Salted Caramel Mocha Frappuccino

chinchin

leo383 wrote: ↑Wed Mar 22, 2023 7:38 am

And remember, you can make the absolutely perfect choice of university for your kid

Hopefully it is the kid that makes the decision and not the parent.

chinchin

Hopefully it is only the retail front end; and hopefully the back end that the funds use is ok.

I did divest of Vanguard funds in my IRAs due to loss of confidence though. Stuck bagholding VTI in my taxable.

chinchin

Journeyman510 wrote: ↑Tue Mar 21, 2023 3:49 pm I'll just chime in that I spent 5 years at Cornell which has brutal winters. I came from Florida and never even saw snow before moving to Ithaca. I survived.

Well, an Ivy League school might be worth it.

chinchin

I had a college roommate (PAC-10/12 school) that transferred from University of Michigan because he hated the weather. The stories he told sounded horrible.

chinchin

Eno Deb wrote: ↑Tue Mar 21, 2023 9:46 am
rich126 wrote: ↑Tue Mar 21, 2023 9:35 am I do recall somewhere that you could put the money and it was automatically put into a number of FDIC banks for you to stay within insurance limits. Can't recall where I saw that since it was a while ago.
Yes, the Fidelity CMA does this. They have about a dozen partner banks across which they can distribute deposits.

27 banks (as of this writing) to be exact.

https://accountopening.fidelity.com/ftg ... t?type=ira

chinchin

Zero coupon treasuries?

chinchin

There's an asset class that we're not allowed to talk about on this forum that has a market cap of $1.16T.

chinchin

busdriver11 wrote: ↑Sun Mar 19, 2023 11:23 pm
chinchin wrote: ↑Sun Mar 19, 2023 10:54 pm FDIC sweep at Fidelity or IBKR?
Don't know anything about IBKR, but seems like it would be easy enough to move to Fidelity. FDIC sweep doesn't pay so well, though, 2.32% isn't near as good as the 4.52% money market fund at the other brokerage firm. Wondering if that's worth the loss as far as diversifying.

The point of the FDIC sweep isn't to get more yield, it is to increase your coverage above the traditional $250k limit.

Per Fidelity: Assuming all the banks have available capacity, a customer could have up to $5 million of uninvested cash covered by FDIC insurance.

https://www.fidelity.com/why-fidelity/s ... r-accounts

chinchin

rm wrote: ↑Mon Mar 20, 2023 12:03 am I am a little confused by this primer

Say I owe $50K taxes on federal

If I pay by credit card, I will pay some extra charges (~1.85%).

My credit card is chase freedom

It gives 1% back as $s and 5% on groceries. So this won't work right?

In which case I need to apply for another credit card and use that so that I can make money on the spread.

Did I get this right?

The basic idea is you buy pre-paid $500 Visa or Mastercard debit cards at a store that qualifies under a bonus category.

chinchin

FDIC sweep at Fidelity or IBKR?

chinchin

delete

chinchin

-Why do some banks offer new CD's every day for the same rate? why wouldn't they just offer them all on one day, once a week?

How would that work? So if the bank only sells CDs on Mondays, and it's Tuesday, I have to wait until next Monday to buy a CD?

chinchin

I would choose ASU just for the weather.

chinchin

The only issues I had was TurboTax could not import my Vanguard 1099s and it also asked me to confirm every options sale (~48 transactions) manually.

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