Search found 25 matches

by kbjeffrey
Sat Nov 21, 2020 8:08 am
Forum: Personal Investments
Topic: Any way to exclude FAANG company from S&P index fund?
Replies: 20
Views: 2749

Re: Any way to exclude FAANG company from S&P index fund?

By chance the Animal Spirits podcast recently had an episode about "Direct Indexing." It seems to do what you're asking and I got the impression that you'd have to work with advisor to get access to it. Probably not worth your while, but still interesting.
by kbjeffrey
Sat Nov 14, 2020 8:50 am
Forum: Personal Consumer Issues
Topic: Consequences of closing 25y/o checking account?
Replies: 16
Views: 1728

Re: Consequences of closing 25y/o checking account?

This is generally more relevant for women, but if your name has changed over the years then it is convenient to have been with the same bank. I'm not a fan of Citibank, but I'll keep the account because I can easily cash checks for all the past versions of my name. Other banks have required document...
by kbjeffrey
Tue Nov 10, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Tips or devices to improve posture
Replies: 19
Views: 1468

Re: Tips or devices to improve posture

My yoga teacher once said to me, "remember, ears over shoulders" and that has been really helpful. Most of what other people say or suggest has to do with how slouching looks to them. "Ears over shoulders" gives me something to focus on that has been more helpful.
by kbjeffrey
Mon Nov 02, 2020 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 700 and above
Replies: 21
Views: 1827

Re: Credit Card for 700 and above

You might want to check out "the points guy" website. They regularly publish reviews of what credit cards are best depending on your credit score and how you use your card.
by kbjeffrey
Wed Oct 28, 2020 1:18 pm
Forum: Personal Investments
Topic: For the self employed business owners on here....
Replies: 8
Views: 617

Re: For the self employed business owners on here....

1. How did you get your start? Is it a family business? I was an Asst. Professor at a Computer Science Department when the Palm Pilot Launched. I was very excited about the actualization of ubiquitous computing and started teaching classes on Palm OS program. My first sabbatical leave came up and Pa...
by kbjeffrey
Tue Oct 27, 2020 7:44 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Retention Rates
Replies: 69
Views: 6332

Re: Amazon Prime Retention Rates

I’ve cancelled several times and was never offered a retention rate. Yesterday they offered one month free if I would join again and I’m enjoying that while it lasts.
by kbjeffrey
Fri Oct 16, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8019
Views: 559339

Re: Refinance Mega Thread

I refinanced yesterday (10/15) with a local mortgage broker in Chicago that was recommended by friends. I was 5 years into a 30 year mortgage at 3.5% and I refinanced to a 30 year mortgage at 2.75% with a $1,500 lender credit and the appraisal waived. The mortgage is for $347,800, my house is valued...
by kbjeffrey
Tue Oct 13, 2020 8:13 am
Forum: Personal Investments
Topic: New business owner - need help with experience Bogleheads!
Replies: 36
Views: 2037

Re: New business owner - need help with experience Bogleheads!

You might want to consider joining a PEO (Professional Employment Org), it won't provide accounting, but it has made running a small business much easier for me. A PEO administers the human resources functionality you choose. PEO's can be expensive, but there are more choices now. I head up a small ...
by kbjeffrey
Mon Oct 12, 2020 7:38 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 146
Views: 15273

Re: Amazon Prime - Value?

I didn't find enough value in it for an annual Prime subscription. I now subscribe on a monthly basis as I need it. I also don't commit to any streaming service and subscribe to one (sometimes two) at a time . For how I use the services, I get the same benefits as if I had the full subscription.
by kbjeffrey
Thu Oct 08, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Flying during the pandemic
Replies: 94
Views: 5749

Re: Flying during the pandemic

I flew Southwest to Florida to help out my Mom with a medical emergency. They put in reasonable policies to keep passengers safe and all of the middle seats were left empty. I would feel safe flying with them again during the pandemic as long as they continue the current policies.
by kbjeffrey
Sat Sep 26, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 117
Views: 10695

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Simple is still offering .8% on their savings account, but I'm assuming that will go down too. I also have $5,000 at Anchor which is still offering 7.83% (on up to $5,000). OK, for a sec you had my interest. 7.83% on $5k is equivalent to %.6 on $65k, or %.8 on $49k! But I think you're referring to:...
by kbjeffrey
Fri Sep 25, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 117
Views: 10695

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

Simple is still offering .8% on their savings account, but I'm assuming that will go down too. I also have $5,000 at Anchor which is still offering 7.83% (on up to $5,000).
by kbjeffrey
Sun Sep 13, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3357

Re: Security question on one's passwords

egrets wrote: Sun Sep 13, 2020 11:59 am
Not in 10,000 years would I use a password manager and keep all my passwords out on the web in one place.
You should take a look at Enpass. It is an open source password manager where you hold on to your own passwords. It is a favorite with the security researchers I've asked.
by kbjeffrey
Sun Sep 13, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: [Question regarding password security]
Replies: 101
Views: 3357

Re: Security question on one's passwords

One complicated password for all is fine. But eventually, web sites require you to change passwords anyway. Not such a good idea and especially risky if you use the same username. Some websites don't encrypt your passwords when they save them. When they are hacked or someone at the company behaves ...
by kbjeffrey
Fri Sep 11, 2020 8:20 am
Forum: Personal Consumer Issues
Topic: Apple’s iCloud Keychain?
Replies: 19
Views: 2056

Re: Apple’s iCloud Keychain?

You might want to consider Enpass. It is an open source, cross platform password manager. I got the recommendation from friends who work in security research. I've been using it for years and have been really happy with it.
by kbjeffrey
Sun Sep 06, 2020 5:01 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33685

Re: For those with $500k-$1m in investments...

Age 57

Total: $995,450
Tax Advantaged: 83% (401K (traditional & roth), IRA (traditional), HSA)
Taxable: 17%
by kbjeffrey
Sun Sep 06, 2020 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2923

Re: Can anyone suggest a joint checking account?

My ex-husband and I have a joint checking account with Simple (an online bank). It has a set up where each of us has an individual checking account and we can each transfer money to and from the shared account. Each time you add or withdraw money you're asked to document what it is for. It has worke...
by kbjeffrey
Sat Aug 29, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2848

Re: Recommendations for wheat beer

I'm a fan of Off Color Brewing, a great brewery if you're not so interested in hoppy beers. Off Color is quite a nice wheat beer. If you're ever in Chicago, you can get it on tap at their restaurant too.
by kbjeffrey
Sun Aug 23, 2020 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8417

Re: Should I become a Professional Gambler?

A friend who worked with me for good while quit to play professional poker. He had been a high school math/Comp Sci teacher before becoming a programmer. Since then he has done really well and won a lot of money. He is a very intelligent guy and single with no intention of kids. Obviously not everyo...
by kbjeffrey
Sun Aug 23, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Easiest Way to Fax From Computer?
Replies: 19
Views: 1460

Re: Easiest Way to Fax From Computer?

I often have to fax documents for my company and I find that using my phone is best. I use the FaxBurner app. Since I only send and don't receive faxes, I've never has to even upgrade to the paid version and every fax has gone through without a problem.
by kbjeffrey
Mon Aug 10, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 8019
Views: 559339

Re: Refinance Mega Thread

I'm in the process of refinancing in Chicago. I'm currently 5 years into a 30 year mortgage at 3.5% and a principal of $348,000. I've locked in a rate of 2.75% with a local broker, BlueLeaf Lending. I'm also getting costs paid toward closing, so I should only have to pay around $500. My business par...
by kbjeffrey
Sun Aug 09, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 2
Views: 399

Mortgage Refinance Question

I currently have a 30 year mortgage for $350,000 at 3.5% and am thinking of refinancing. I'm 57 years old and have two kids in high school, so there is some chance I'll want to sell my house and move to something more manageable at some point. I'm thinking of taking a 2.75% 30 year mortgage. I can g...
by kbjeffrey
Sun Aug 09, 2020 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Choosing a university/college for my son a future Computer Science Major
Replies: 131
Views: 11211

Re: Choosing a university/college for my son a future Computer Science Major

I'm also an Illinois resident (in Chicago) and I was a professor at DePaul before I decided I'd rather start up a software company. In general the benefits of a state university you pay less and often learn from professors who are leaders in their fields. At a private university like DePaul, you get...
by kbjeffrey
Fri Aug 07, 2020 5:09 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 90
Views: 7839

Re: Anyone using crypto exchanges to earn higher interest on their cash?

I've put some money into AnchorUSD. They say they offer "upto 8%" in interest on the first $5,000 you invest. It looked reasonably reliable to me: - https://www.anchorusd.com/ - https://www.investopedia.com/news/ibm-launches-stablecoin-backed-fdicinsured-banks/. I figure that in the very w...