Search found 1173 matches

by FedGuy
Fri Dec 08, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 501
Views: 47865

Re: Picking College and College Scholarships

He's decided not to go online until Friday after school (to find out). Why? The concert ... He has a short solo so doesn't want the distraction. Star Wars opens Thursday night ... He doesn't want to ruin the movie with bad news. And he has two big tests on Friday. Again, he doesn't want the distrac...
by FedGuy
Sun Nov 26, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2543

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

This doesn't have to be a big deal. Drop them a short email every December wishing them happy holidays, mentioning one or two interesting things that happened to you that year, and asking how they're doing. Feel free to do more if you'd like, but an annual email is certainly sufficient to keep the c...
by FedGuy
Sun Nov 19, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 3670

Re: WSJ commentary about declining # of publicly traded companies

McGowan wrote:
Sun Nov 19, 2017 10:43 am
How do you feel about the Big 10 having 14 teams and the Big 12 having 10?
Honestly? That ticks me off too.
by FedGuy
Sun Nov 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: WSJ commentary about declining # of publicly traded companies
Replies: 40
Views: 3670

Re: WSJ commentary about declining # of publicly traded companies

There's nothing specially alarming or unusual about the "Wilshire 5,000" having some number of stocks in it other than 5,000. Well, it's arguably false advertising. I'm being pedantic here and admit that I've always been especially peeved about stuff like this, but to me the number "5,000" in the n...
by FedGuy
Sun Nov 19, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4138

Re: TSP Modernization Act now law

Is the plan to let you withdraw different amounts from Roth and Trad? This is a frequent request (see my post above), but as far as I know the new legislation does not address this. My understanding was that currently you could not choose how much Roth and Trad you wanted to withdraw. You just pick...
by FedGuy
Sat Nov 18, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4138

Re: TSP Modernization Act Signed Into Law

This is an excellent development. Next we we need to be able to make conversions from Traditional TSP to Roth TSP. And to be able to have different asset allocations in our Traditional TSP and Roth TSP, and to be able to withdraw from either or both of them as we prefer rather than pro rata. Oh, and...
by FedGuy
Fri Nov 17, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4448

Re: Replace TVs with Smart Tvs or not?

Both smart TVs and streaming boxes quickly become obsolete. Better to replace a $70 streaming device every few years than an $899 TV.
by FedGuy
Thu Nov 16, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 138
Views: 15616

Re: MoviePass-Too good to be true, but it's legit.

123 wrote:
Wed Nov 15, 2017 7:07 pm
The "Check-in" is to let MoviePass know that you are at the theater (the app uses GPS).
So, if you refuse to use the GPS on your phone due to security/paranoia or battery reasons, like me, you can't use MoviePass?

I guess I'm out, then.
by FedGuy
Sun Nov 12, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Unnecessary Corporate Meetings
Replies: 25
Views: 1968

Re: Unnecessary Corporate Meetings

I generally agree that a lot of meetings are a waste of time, but sometimes find they can serve a positive function in helping a team work better together. At one of my previous jobs, my group was spread around the building and I was literally the only member of my team on my floor. We almost never ...
by FedGuy
Fri Nov 10, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9408

Re: Thouhgts about wearing a "uniform"/same thing everyday?

1. Your professors were expressing their unique tastes. They would cringe if their attire were called "uniform." I know generalizations like the one I'm about to make are dangerous, but I think that's a very female way of looking at things. I, and most guys I've discussed this with, have no interes...
by FedGuy
Tue Nov 07, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 4885

Re: Poll-How much do you have in your HSA?

Mine is about $26,000, individual only. I started it around 2009. I've maxed it out every year, except for one year of unemployment and another year when the idiot benefits person who "guided" me through the insurance and other paperwork when I started a new job repeatedly but erroneously insisted t...
by FedGuy
Sat Nov 04, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 1828

Re: What so scary about TSP loans?

Your comment confuses me. A TSP loan is a non-taxable event as long as it is repaid as agreed. The dollars you receive are not taxed, why would someone get to pay it back with pre-tax dollars? Apologies if I misunderstood. I think the point is that repayments are made with after tax money. Some peo...
by FedGuy
Sat Nov 04, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: What so scary about TSP loans?
Replies: 23
Views: 1828

Re: What so scary about TSP loans?

If you take your loan from money which was otherwise in the G fund, your TSP balance will be the same once the loan is paid off as if you had left the money there. Well...not quite. You can expect the G Fund rate to change over time, but your TSP loan will remain at the same interest rate--the G Fu...
by FedGuy
Sat Oct 28, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 99
Views: 7645

Re: Is it difficult to switch from an iPhone to an Android?

My brother is not tech savvy at all, but switched to Android after about a decade with the iPhone and said he was amazed at how much easier and more intuitive Android is to him than the iPhone. If anything, I'd only heard the opposite previously, so I thought that was pretty noteworthy.
by FedGuy
Sat Oct 28, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214781

Re: TV show recommendations?

Designated Survivor is trying to be like the West Wing combined with conspiracies.The president is just a bit too goody goody to be believed,but it’s a tv show. I loved Designated Survivor last season, when it was an edgy show about the fallout from a massive criminal conspiracy that successfully a...
by FedGuy
Sat Oct 28, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 17
Views: 1656

Re: Fidelity Rewards Visa Card

The other thing with this card is that they periodically offer deals of the "We'll give you an extra point on each dollar you spend in excess of $2500 over the next 3 months" variety. If you sign on for that deal, be sure to save your confirmation page in a safe place, since they're fairly notorious...
by FedGuy
Thu Oct 26, 2017 6:22 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 423286

Re: What's Your Credit Card Rewards Strategy?

A new card for those who use Uber. https://www.doctorofcredit.com/uber-credit-card-4-eateries-3-travel-2-online-1-everything-else-100-signup-bonus-no-annual-fee/ It does not have much to do with Uber outside of branding. Redemption options are at the same rate for Uber as for other things. BUT: 4% ...
by FedGuy
Mon Oct 23, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1806

Re: Favorite HIIT Workouts

I'm friendly with a medical researcher who has done research on HIIT workouts and strongly recommended them. I moved recently and, as I was shopping around for a local gym, I looked for gyms (and studios, such as cycling and similar studios) that offer HIIT classes. Most of them offered classes they...
by FedGuy
Sat Oct 21, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Returning only the signature page [of a legal document]
Replies: 12
Views: 1200

Re: Returning only the signature page [of a legal document]

I just wanted to add that, while I've seen plenty of contracts in which the signature page was the only thing emailed or faxed back, best practice calls for a matching, consistent footer containing the name of the document on all the substantive pages of the document and the signature page. If nothi...
by FedGuy
Thu Oct 12, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1835

Re: Washington DC Trip

You should know that the Sackler is closed It reopens tomorrow: http://www.asia.si.edu/reopening/ Please note that Metro tends to be fairly unreliable, particularly on weekends when whole lines sometimes go down without advance notice or there are long delays due to single tracking. Have a backup p...
by FedGuy
Wed Oct 11, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7941

Re: Do you want your receipt?

You aren't going to be accused of theft walking out of a store with an item you just paid for. I was, actually. A year or two ago, I did my weekly shop at my local supermarket, paid for my items, took my receipt, and walked out. Just outside the exit were a group of tables and chairs. The store sec...
by FedGuy
Wed Oct 11, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 5628

Re: Which Streaming Service/Live TV?

Since you're not sports junkies, you might be interested in hearing that a new streaming service called "Philo" is supposedly on track to launch by the end of the year. Philo's gimmick is that it won't include any sports channels, so it will purportedly include a decent mix of (non-sports) channels ...
by FedGuy
Wed Oct 11, 2017 8:52 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 14983

Re: What's your asset allocation and why?

I'm targeting 40/40/20 (US equities; fixed income; international equities). I'm single and in my early 40s, so that's fairly close to the "age in bonds" rule, and in the general range of the various rules of thumb usually given for international equities. Also, the numbers are round and easy to work...
by FedGuy
Tue Oct 10, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 52
Views: 4354

Re: What specific changes have you made post-Equifax?

I had already frozen my credit at the big three credit reporting agencies and gotten an IP PIN from the IRS, both following the OPM hack. I had also previously enabled two-factor authentication wherever possible and started using a password manager. I didn't think I had much left to do after the mos...
by FedGuy
Mon Oct 09, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7941

Re: Do you want your receipt?

This has been an enlightening thread. I always take the receipt and am annoyed when the cashier asks, thinking to myself "OF COURSE I want my receipt! How else am I going to prove to the security guard that I paid for this, how else am I going to spot it when the waiter adds $10 to his tip (that hap...
by FedGuy
Fri Oct 06, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 4512

Re: Too much house? (nervous 1st time buyer)

Strayshot wrote:
Fri Oct 06, 2017 8:08 am
If you are planning to find a spouse in the next 0-5 years
It must be nice to be able to "plan" to find a spouse and have the universe magically oblige. For a lot of people, it doesn't work out that way.
by FedGuy
Mon Oct 02, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Update (again): Amazon "Cyber Monday Deal": Instant Pot 6-qt $74.99 (Cyber Monday-Nov 27)
Replies: 36
Views: 4148

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

The deal had ended by the time I was able to sit down and place an order. Bummer.

Well, Cyber Monday isn't all that far away....
by FedGuy
Mon Oct 02, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Two Comma Club
Replies: 17
Views: 4466

Re: Two Comma Club

WorkToLive wrote:
Sat Sep 30, 2017 2:49 pm
Baby Step 5: Start saving for college
Just out of curiosity, if you don't have children and don't plan to, and you've already achieved Baby Step 4, can you consider yourself to have achieved Baby Step 5 and be working on Baby Step 6?
by FedGuy
Sun Oct 01, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 10344

Re: Current Bull Market could last years

This is exactly the kind of overconfident post that usually appears right before a recession hits.
by FedGuy
Sun Oct 01, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 501
Views: 47865

Re: Picking College and College Scholarships

College admissions lags well behind current technology for some reason. I remember having to use a typewriter for every one of my applications despite having owned a personal computer for a decade by that point.
by FedGuy
Fri Sep 29, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 15
Views: 1549

Re: Smart Home: Google, Apple, or Amazon?

I have some friends with Amazon/Alexa. It's cute; it's fun to ask it random questions and hear the response, and it's neat when my friends tell Alexa to turn on the coffee pot. In reality, though, it's basically a high-end Clapper and yet another trove of information for some future hacker to steal.
by FedGuy
Fri Sep 29, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9160

Re: Where do you get your news?

I don't know where you guys are coming from. At my job, every morning we receive an email with an attachment of the days' news stories relevant to my industry. The stories are taken from a wide variety of sources and tend to cover much of the political spectrum. The clips are taken from electronic ...
by FedGuy
Thu Sep 28, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 9160

Re: Where do you get your news?

munemaker wrote:
Thu Sep 28, 2017 7:57 am
I find the WSJ to be pretty neutral
Wait...really?
by FedGuy
Thu Sep 28, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: TSP gets a 20% budget increase
Replies: 2
Views: 1286

Re: TSP gets a 20% budget increase

1. Upgrades to IT legacy systems and security Does anyone know if they're planning to implement 2-factor authentication? I asked the TSP about that a couple of years ago and was essentially told that it was on the "someday, maybe" list. My TSP holds a significant chunk of my total net worth, so, wh...
by FedGuy
Mon Sep 25, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 572
Views: 214781

Re: TV show recommendations?

The news series Star Trek Discovery aired its pilot last night on CBS. I meant to watch this but somehow thought it was airing next week, and I missed it. The reviews I've read were mostly negative, I was disappointed by "Enterprise" and was surprised that they didn't learn the lesson that prequels...
by FedGuy
Mon Sep 25, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7279

Re: Innovis and ChexSystems freeze confirmation letters

I received my confirmation from Innovis (nothing yet from Chex). I didn't keep track of when I requested it, so I don't know how long it took. I thought their mailing was slightly confusing. The first page or two confirms my credit freeze and gives me a PIN. But at the end of the mailing is a form t...
by FedGuy
Fri Sep 15, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Early mortgage payoff vs investing
Replies: 19
Views: 1750

Re: Early mortgage payoff vs investing

My new financial adviser (who said b) says he can get me 7% ROI over the long haul. Run. Do not hire this guy. If you've already hired him, fire him. Seriously. The stuff about whether to invest or pay down the mortgage is secondary. You'll be ahead of the game if you keep your money away from this...
by FedGuy
Tue Sep 12, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3946

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

I tried to get a PIN two years ago (FL resident) but was in ble to get it and was told by my CPA that it was most likely because I had frozen my credit. I did not want to unfreeze my credit for the Irs so did not end up getting the pin. Wondering if anyone has been able to get a PIN with their cred...
by FedGuy
Sat Sep 09, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Two Factor Authentication and One Time Passwords
Replies: 24
Views: 2303

Re: Two Factor Authentication and One Time Passwords

Here is another site with many examples. https://twofactorauth.org/ That site is very helpful but not 100% accurate. Ally, for example, does not offer 2-factor authentication. They kind of do this half-baked thing where they might challenge you on occasion, but they won't require you to enter a cod...
by FedGuy
Fri Aug 25, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Priorities - Biglaw junior associate
Replies: 45
Views: 4803

Re: Priorities - Biglaw junior associate

A 2nd year associate has frankly no idea what it means to be a lawyer, or what it takes to stick, or whether he has what it takes to stick. I completely agree with this. So much of what happens during your early to mid-level associate years is completely outside of your control, and you really have...
by FedGuy
Mon Aug 21, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: MUST my employer ensure I do not over-contribute to my 401k?
Replies: 10
Views: 1775

Re: MUST my employer ensure I do not over-contribute to my 401k?

Interesting. I used to work for a megacorp that wouldn't cap contributions but would code for contributions over the limit for different tax treatment. That didn't help my first year, though, because they refused to take into account that I'd already contributed that year at a different employer (th...
by FedGuy
Sat Aug 12, 2017 12:23 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16200

Re: How far would you travel to see The Eclipse?

I guess I just don't see the point of travelling to see something I'm not supposed to look at.
by FedGuy
Wed Aug 09, 2017 6:34 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2733

Re: How do you manage cash back rewards?

It depends on the card. I have about half a dozen cash back credit cards, with most of them giving me a statement credit. Some cards, though, either require you to get the cash back in a particular way or make it much easier to do so; for example, the cash back from my Fidelity credit card goes into...
by FedGuy
Tue Aug 08, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 108
Views: 19179

Re: Wells Fargo

I am surprised that people seem willing to stick with Wells Fargo even with all the trouble they have gotten into in the last year. There are so many other bank options with management who hasn't shown consistently questionable moral character. Well, money talks. I took out a mortgage with Wells Fa...
by FedGuy
Wed Aug 02, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 2407

Re: Personal Capital without giving them my passwords: worth it?

I tried using Personal Capital this way and couldn't get past the first screen. Right from the beginning it demanded my account numbers and passwords. I couldn't find any option to bypass the screen and even emailed the company to ask how to do so. The fact that I never received a response led me to...
by FedGuy
Mon Jul 31, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 5673

Re: Philosophy major and future law student

For the vast majority of lawyers coming out of elite schools, BigLaw is not the intended final destination, but rather a pit stop where they can hopefully get some training/build skills, pay off debt, and amass a small nest-egg before transitioning into whatever they are actually interested in or a...
by FedGuy
Sun Jul 30, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4785

Re: Which Credit Card Companies Do You Like?

All of my cards have a zero fee - if you have found some option to take advantage on some card that is charging you an annual fee of $450 and you would then cancel it - then more power to you! I understand that this usually translates to more travel points or if your constant spend will be consiste...
by FedGuy
Sun Jul 30, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4785

Re: Which Credit Card Companies Do You Like?

Sorry - have to disagree - churn as much as you need to but- "NEVER CLOSE YOUR AVAILABLE CREDIT AND CARDS" - your credit SCORE will go DOWN. I can't believe I have seen this advice on this forum - Quite frankly - there should be no argument here on this! I have a card with a steep ($450) annual fee...
by FedGuy
Fri Jul 28, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card Companies Do You Like?
Replies: 57
Views: 4785

Re: Which Credit Card Companies Do You Like?

We use the Fidelity Visa. 2% cash back on everything. No ATM fees worldwide. Easy connection with our cash management account. I have this card as well and think it's generally a card card, but if the OP is concerned about the company behind the card, it's worth noting that the company that manages...
by FedGuy
Tue Jul 25, 2017 5:59 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3664

Re: YouTube TV - Anyone used or currently using?

Not weirdly, CNN is a Turner netowrk just like TBS and TNT. Fair enough. Thanks. So, if I were to switch to Youtube TV, would I be able to watch programs on TBS, TNT, Discovery, History, and Syfy through my Internet? It looks like I can generally do so now, but I currently subscribe to a cable pack...