Search found 52 matches

by IcedDog
Fri Jan 24, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Ally Bank
Replies: 45
Views: 6272

Re: Personal Capital and Ally Bank

Yeah, it hasn't been syncing for over a week...I did notice it listed as a known issue under the Support section, but I also see other known issues listed that have been there for a lot longer than one week, so that doesn't exactly instill confidence in a timely fix :(
by IcedDog
Thu Jan 23, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 210
Views: 28566

Re: [Marcus Savings Account - Interest rate is now 1.7%]

I got an email that they are offering me $100 to increase my balance by $10,000 and hold for 60 days. Yep, same, it's good for new and existing customers (yay!))...enrolled and just transferred the $10K to Marcus. Offer details: https://www.marcus.com/us/en/disclosure/savings-bonus-offer-details
by IcedDog
Fri Jan 03, 2020 10:17 am
Forum: Personal Consumer Issues
Topic: CNBC Nightly Business Report cease production in Dec 2019
Replies: 123
Views: 7850

Re: Where is the best place to get business news on the net that you can watch?

livesoft wrote: Thu Jan 02, 2020 6:49 pm foxnews.com ... no wait ... cnn.com
I would argue Fox News and MSNBC are the opposite ends of the spectrum, with CNN slightly left of center. At least CNN puts opposing viewpoints/pundits together...it can be annoying to hear them bicker, but I appreciate the attempt :mrgreen:
by IcedDog
Thu Jan 02, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much were you able to save this year?
Replies: 142
Views: 11272

Re: How much were you able to save this year?

$25K (50% of gross, 63% of net income), by far a new personal high. I paid off the remaining $10K on my mortgage early last year, and then put $6K into IRAs, and $19K into cash savings. I probably have too much cash (as a percentage of net worth), so the plan for this year is to max out my IRAs shor...
by IcedDog
Thu Jan 02, 2020 11:59 am
Forum: Personal Investments
Topic: Capital Gains Reinvestment Schedule
Replies: 2
Views: 219

Re: Capital Gains Reinvestment Schedule

Thanks, that makes sense...not sure why I was thinking otherwise, but now I know :happy
by IcedDog
Thu Jan 02, 2020 11:03 am
Forum: Personal Investments
Topic: Capital Gains Reinvestment Schedule
Replies: 2
Views: 219

Capital Gains Reinvestment Schedule

Just curious if anyone knows when Vanguard reinvests end-of-year market gains for their funds, specifically VTSAX (Total US Stock Market). I checked my account today and only see recent dividend reinvestments in the activity section.
by IcedDog
Thu Dec 12, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Any experience with Mr. Cooper? (Nationstar)
Replies: 11
Views: 905

Re: Any experience with Mr. Cooper? (Nationstar)

I was with Mr. Cooper for about 1.5 years after Citi sold my mortgage to them. I've since paid off the mortgage, but I had no issues with Mr. Cooper during that time. The transition was seamless (ACH debits were picked up automatically), the website had a decent interface, and the early payoff via w...
by IcedDog
Wed Aug 07, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5651

Re: high-yield savings: stay or switch?

7eight9 wrote: Tue Aug 06, 2019 7:25 pm My thinking is that if you don't chase rates you are being disrespectful of your money leaving it to sit somewhere sub optimal.
Yes, let that be a lesson to everyone, have some compassion and don't be a deadbeat cash owner :mrgreen:
by IcedDog
Wed Aug 07, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage final payment
Replies: 31
Views: 4086

Re: Mortgage final payment

Yeah, I paid off my mortgage in February and encountered something similar...they gave me a quote of what my exact payoff amount was (including interest owed to that particular day), but I couldn't pay it though the site, so I just did it via wire (paid a $20 fee through Ally), and the next day it w...
by IcedDog
Tue Aug 06, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: high-yield savings: stay or switch?
Replies: 50
Views: 5651

Re: high-yield savings: stay or switch?

Funny you should ask, just yesterday I moved the majority of my cash in Ally savings to Ally's 12-month CD (2.5%). It's actually the first CD I've ever opened, but it seemed an opportune time with rates now falling. I do have a savings account (currently unfunded) with Marcus, but they will likely b...
by IcedDog
Thu Apr 18, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do not use Personal Capital
Replies: 165
Views: 37055

Re: Do not use Personal Capital

This gives a pretty good breakdown of their security...

https://wallethacks.com/personal-capital-security-safe/

Seems more than adequate. I like Personal Capital's interface, I find the info useful, and I don't get any solicitation calls (a couple initially, but that was it).
by IcedDog
Wed Mar 06, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Winning the robo spam wars
Replies: 35
Views: 2210

Re: Winning the robo spam wars

jebmke wrote: Wed Mar 06, 2019 11:00 am Lately I have been getting calls from myself (my full name and home number appear on our home caller-ID). I have not been tempted to answer and find out what I'm calling about.
Good move, otherwise you could end up screwing with the space-time continuum...just not worth the risk.
by IcedDog
Wed Mar 06, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 6481

Re: How long have you gone without a raise?

After not receiving one last year (it wasn't "in the budget"), I was able to secure a 7% raise two weeks ago, which is apparently twice the national average, so I guess I can't complain much. I've been a QA analyst for 5 years as a contractor for a supermarket chain in the midwest, and while I'm mak...
by IcedDog
Thu Feb 28, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 5211

Re: Going to "cash-only" restaurants?

munemaker wrote: Thu Feb 28, 2019 9:57 am To the degree possible, I avoid businesses that do not accept credit cards.
- I like to keep track of my expenses in Personal Capital.
- I don't like to carry and handle currency and coins, and I don't like to replenish my wallet at the ATM.
Same
by IcedDog
Wed Feb 06, 2019 11:58 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 15329

Re: Ally Bank's nightmarish online reviews -- should I be worried?

... Side note: The customer rep on the chat introduced herself as "Nicole from Ontario"...this is the first time I've ever seen a service chat display the rep's location, which I thought was kind of a nice touch... Aren't hey all "Nicole form Ontario"? Which one was it? There can only be one Nicole...
by IcedDog
Wed Feb 06, 2019 11:25 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 15329

Re: Ally Bank's nightmarish online reviews -- should I be worried?

- Ally customer service went the extra mile to help me modify the amount of an outgoing wire transfer (on the order of $2xx,xxx dollars) (Needed to add an extra day's worth of pro-rated interest to a mortgage payoff, after I had already submitted the request with the wrong payoff amount.) I just ha...
by IcedDog
Fri Feb 01, 2019 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 12629

Re: How much do you keep in checking?

I like to keep a floating $2K in checking (~1.5 months expenses), and when it builds up to about $3K, I'll siphon off a grand and either send it to high-yield savings, an IRA contribution, or towards my mortgage as an extra payment off principal. I prefer not to transfer money from savings to checki...
by IcedDog
Tue Jan 22, 2019 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 155
Views: 20026

Re: What's your cash position

livesoft wrote: Mon Jan 21, 2019 8:22 pm we have a pretty high cash allocation for us right now at about 0.3% of the portfolio
:mrgreen: I love it
by IcedDog
Wed Jan 09, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 3788

Re: Too many credit cards?

I have 4 cards overall but only use the 3 with rewards, and I only keep 2 in my wallet at any one time (depending on categories). I find 3 to be quite manageable, but then I also have all my cards and checking with Chase, so I only have to log in to one place. I am one of those strange people that p...
by IcedDog
Thu Dec 27, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9435
Views: 755773

Re: U.S. stocks continue to soar!

How many bottles of Pepto Bismol have day traders sucked down this fall? :mrgreen:
by IcedDog
Wed Nov 07, 2018 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 621
Views: 74898

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Did existing Ally customers automatically get included, or did they also have to actively enroll in the promotion? I've had an Ally savings account for years, but didn't hear about this until just recently.
by IcedDog
Wed Oct 31, 2018 6:23 pm
Forum: Personal Investments
Topic: Just a sincere Thank You!
Replies: 4
Views: 955

Re: Just a sincere Thank You!

Congrats on paying off the house! I haven't been here long, but i concur about this board...a lot of knowledgeable people who are very generous with their time and advice.
by IcedDog
Mon Oct 29, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20561
Views: 2799379

Re: U.S. stocks in freefall

Me watching the October market

Image
by IcedDog
Fri Oct 26, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 20764

Re: Vanguard website "unavailable during weekend of Nov 3"

Wow, when I worked for Vanguard IT (almost 20 years), our planned website outages were no more than 2 hours, usually in wee hours of Sunday, and justified for only for a few major changes in a year. It would have been unimaginable to plan an outage for an entire weekend. Hmm, then perhaps it'll be ...
by IcedDog
Tue Oct 23, 2018 11:02 pm
Forum: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8877

Re: For those who paid off house - how did you do it?

We paid if off by making 360 monthly payments. When we refinanced, we kept the same term to pay off in the original 30 years. I don't understand people who refinance and keep starting over with another 30-year term. I refinanced in 2015 and went with another 30-year fixed. My reasoning was that if ...
by IcedDog
Tue Oct 23, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20561
Views: 2799379

Re: U.S. stocks in freefall

:D Duly noted :sharebeer
by IcedDog
Tue Oct 23, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20561
Views: 2799379

Re: U.S. stocks in freefall

As someone who has only been following the stock market on a daily basis since August, is the volatility seen this year typical, or are the up & down swings usually more gradual? No need to follow the market on a daily basis. Find something better to do with your time. You and your portfolio will a...
by IcedDog
Tue Oct 23, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20561
Views: 2799379

Re: U.S. stocks in freefall

As someone who has only been following the stock market on a daily basis since August, is the volatility seen this year typical, or are the up & down swings usually more gradual?
by IcedDog
Tue Oct 16, 2018 11:15 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 315
Views: 20898

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I am sorry, I've said it before but I will say it again, you CANNOT be a boglehead unless your equity portion has somewhat near market-weight international exposure. I guess we could settle for 20% minimum exposure, as a compromise boglehead threshold, since some people seem to arbitrarily choose t...
by IcedDog
Tue Oct 16, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9435
Views: 755773

Re: U.S. stocks continue to soar!

According to Reuters, "Wall Street's three major indexes tallied their biggest one-day percentage gains since March. The small-cap Russell 2000 recorded its biggest single-session gain in nearly two years."

So it wasn't the largest for the Dow, S&P, and Nasdaq, but it definitely was for small-cap!
by IcedDog
Tue Oct 16, 2018 4:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 9435
Views: 755773

Re: U.S. stocks continue to soar!

Well HELLO earnings season! :moneybag
by IcedDog
Sat Oct 13, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20561
Views: 2799379

Re: U.S. stocks in freefall

90% would make me regret being 100% equities but presumably I will be more worried about other things like a global flu pandemic wiping out the planet Haha, 90%...could our nation's financial system even recover from a drop that steep? What's the closest we've come...Great Depression? Great Recessi...
by IcedDog
Sat Oct 13, 2018 12:05 am
Forum: Personal Investments
Topic: Chase Roth IRA or Vanguard Roth IRA
Replies: 5
Views: 1105

Re: Chase Roth IRA or Vanguard Roth IRA

I've been banking with Chase for many years, and I've found their service regarding checking and credit cards to be quite good. However, this summer I began taking a closer look at my investments (a Roth and traditional IRA) and discovered I was paying way too much in fees (~ 1% overall expense rati...
by IcedDog
Sat Oct 06, 2018 11:58 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20561
Views: 2799379

Re: U.S. stocks in freefall

*sigh* We're so boring :)
by IcedDog
Sat Oct 06, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 431
Views: 417731

Re: A time to EVALUATE your jitters

triceratop wrote: Fri Oct 05, 2018 11:59 am I managed to lock myself out of my brokerage account with incorrect password attempts, so even if I wanted to change my allocation I could not. :)
Well, that's one way of staying the course :D
by IcedDog
Fri Sep 07, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Dividend variances per quarter
Replies: 6
Views: 1053

Re: Dividend variances per quarter

OK, that makes sense about international companies issuing dividends less often than their US counterparts. Thanks for the input.
by IcedDog
Thu Sep 06, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: Dividend variances per quarter
Replies: 6
Views: 1053

Dividend variances per quarter

I was looking at the dividend distributions for my funds on Vanguard's site, and noticed that VTIAX (Total International Stock) has dividend per share amounts that vary quite widely...essentially, it alternates between much larger/smaller dividends every quarter... https://image.ibb.co/d5YrUe/VTIAX_...
by IcedDog
Fri Aug 03, 2018 9:17 am
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

Apart from all the substantive allocation advice above: watch out on the nuts and bolts of the transfer. I checked Chase this morning and the rIRA funds are gone, but then I checked Vanguard and the funds weren't there yet. So the money is off in the ether somewhere...I'm sure it'll show up at Vang...
by IcedDog
Thu Aug 02, 2018 5:36 pm
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

Yeah, I've been trying nail down what my "optimal" asset allocation should be at this point. It's tough as there are many different rules-of-thumb and models out there according to your personal risk level and other factors. Overall, I feel like I can be aggressive, but I also don't want to be fooli...
by IcedDog
Thu Aug 02, 2018 4:34 pm
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

- i wonder what you think doing well was these past few years in a bull market with a 1% ER... - please edit your tax bracket, there is no 18%. double check your state as well. - no. to move a tIRA to a rIRA is a conversion, and you would owe taxes. you are likely in the 12% bracket, but you dont m...
by IcedDog
Thu Aug 02, 2018 1:45 pm
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

Of course, you're a genius! :D And I can do Admiral shares with all the funds as well. :sharebeer
by IcedDog
Thu Aug 02, 2018 6:59 am
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

OK, I thought that might be the case, thanks. I may just go ahead and mirror the same 3 funds in both IRAs for simplicity in rebalancing.
by IcedDog
Wed Aug 01, 2018 8:23 pm
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

If I had the following arrangement for my 3-fund portfolio, and it came time to rebalance by selling some bonds (VBTLX) in my tIRA, and buying some stocks (VTSAX) in my Roth with those proceeds...would I be able to move/exchange that money from the tIRA to the Roth without creating a taxable event? ...
by IcedDog
Wed Aug 01, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 98121

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Here is the video interviewing a representative from Fidelity. You'll enjoy the last question at the end of the video. https://www.cnbc.com/video/2018/08/01/fidelity-first-no-fee-interest-funds.html Interviewer: "Are you tacitly saying that Vanguard has won?" She didn't really answer the question :...
by IcedDog
Wed Aug 01, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: How Often to Adjust Target Asset Allocation
Replies: 10
Views: 963

How Often to Adjust Target Asset Allocation

I'm curious as to how often people generally adjust their target asset allocation as the years go on, typically changing to a more conservative allocation. About every 5 years seems reasonable, but I'd love to get a consensus from the community. Thanks
by IcedDog
Wed Jul 25, 2018 11:12 pm
Forum: Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1444

Re: Steps to transfer IRA to Vanguard

I ended up with 3 cents remaining at Deutsche and had to take a 3-cent distribution -- complete with the formal warning about the taxable nature of that distribution... Ouch, that kind of tax burden would ruin most investors :mrgreen: I initiated a transfer (within Vanguard) to move two IRAs from C...
by IcedDog
Sat Jul 21, 2018 1:39 pm
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

Thanks, BL, for your input. I currently do not have a 401(k) or similar account. I hadn't considered the LifeStrategy funds, it's more food for thought. With my bond allocation so low at this point, perhaps diversifying into international bonds wouldn't make a significant difference anyway.
by IcedDog
Sat Jul 21, 2018 4:03 am
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2634

Re: Moving IRAs to Vanguard, advice

Thanks, I really appreciate the input. Going with the mutual fund versions allows me to buy fractions of a share and thus avoid having uninvested cash floating around like you said, definitely makes more sense. The 50/25/25 allocation also sounds like a reasonable starting point, and the stock alloc...