Search found 1154 matches

by FedGuy
Thu Oct 12, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1611

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: 7473

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: 4486

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: 13769

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: 51
Views: 3723

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: 7473

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: 4009

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: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)
Replies: 22
Views: 2447

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: 4296

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: 9737

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: 464
Views: 42078

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: 1487

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: 8349

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: 8349

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: 1252

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: 535
Views: 208581

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: 40
Views: 5445

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: 1635

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: 3729

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: 2002

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: 4571

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: 1644

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: 14936

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: 2588

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: 18762

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: 2158

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: 5242

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: 4340

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: 4340

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: 4340

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: 3360

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...
by FedGuy
Mon Jul 24, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3360

Re: YouTube TV - Anyone used or currently using?

tj wrote:YouTube TV seems to be missing TBS and TNT. That seems like pretty major holes in their programming.
It also seems to be missing Discovery, History, and Syfy. And, weirdly, CNN.
by FedGuy
Sat Jul 22, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2270
Views: 394569

Re: What's Your Credit Card Rewards Strategy?

There are gift shops at the Mint's D.C., Denver and Philadelphia locations. Whether you can buy $15,000 worth like this guy did is dubious: I never did the "buy coins, deposit, pay off credit card, repeat" thing, but I closely followed forums in which it was discussed. There were people who had it ...
by FedGuy
Sat Jul 15, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9307

Re: Personal Finance Milestone: 20 Times Annual Expense

Thesaints wrote:"1/3" is a lot of tax !
That's funny: having lived so much of my life in New York City, I use 50% as my rough approximation of total taxes.

Congrats, Klang!
by FedGuy
Thu Jul 13, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5353

Re: Cutting the Cord: Who's Best?

I'm just waiting for a streaming service that doesn't force me to buy expensive sports channels that I'll never watch.
by FedGuy
Sat Jul 08, 2017 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 8135

Re: Switch to federal job?

Anecdotally, every federal worker I know personally works fewer hours for similar pay but better benefits than their private sector counterparts once they have been in the job for awhile. Will not always be true, but at least is the case in my line of work. (GS-12/13/14 jobs). Well, that's not true...
by FedGuy
Fri Jul 07, 2017 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Roth TSP - Worth it?
Replies: 15
Views: 1545

Re: Roth TSP - Worth it?

I was initially excited when the Roth TSP option was added, but was disappointed by the rules requiring that the traditional and Roth TSPs be invested in the same funds in the same proportion, and that withdrawals must be made pro rata from each account. I decided to ignore the Roth until these issu...
by FedGuy
Thu Jul 06, 2017 6:16 am
Forum: Investing - Theory, News & General
Topic: Considering a TSP loan to pay off student loans
Replies: 36
Views: 2550

Re: Considering a TSP loan to pay off student loans

The interest rate on new TSP loans is currently 2.250%.
by FedGuy
Wed Jul 05, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Considering a TSP loan to pay off student loans
Replies: 36
Views: 2550

Re: Considering a TSP loan to pay off student loans

Does your employer offer any kind of student loan repayment assistance that can apply to spouses? I know a few people who were able to take advantage of that.
by FedGuy
Sun Jul 02, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 464
Views: 42078

Re: Picking College and College Scholarships

timmy wrote:
Big Dog wrote:Princeton is also a lottery. :D
...
True in Princeton. Just less so than MIT and Stanford.
Princeton has a lower acceptance rate than MIT. See, eg, https://blog.ivywise.com/blog-0/class-o ... sion-rates
by FedGuy
Sat Jul 01, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Childless couple - want siblings to inherit after we both go
Replies: 36
Views: 3742

Re: Childless couple - want siblings to inherit after we both go

annielouise wrote:and 50% to my surviving siblings. (Although we are about to change that.)
I REALLY misinterpreted the parenthetical the first time I read it.
by FedGuy
Fri Jun 30, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 4231

Re: Stupid Security Questions

One way is to use real answer but add a fixed string to it. If the real answer is Houston, write Houston ghag. Now you only have to remember ghag. This ghag applies to all answers. I'd be reluctant to do this. Customer service reps tend to assume that you're an honest person who innocently got lock...
by FedGuy
Sat Jun 24, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 4044

Re: Worthwhile TV programming?

You might also want to look at this thread, which is still updated fairly frequently:

viewtopic.php?f=11&t=97969
by FedGuy
Sat Jun 17, 2017 7:12 am
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 12113

Re: Amazon Buys Whole Foods

danaht wrote:The main problem with Whole Foods - is proximity.
That depends on where you live. From my place in Washington, DC, there are three Whole Foods within about a 25 minute walk, with a fourth on the way.
by FedGuy
Tue Jun 13, 2017 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?
Replies: 74
Views: 8191

Re: Was it unprofessional for the HR manager to ask for my salary history in front of a peer at a job interview?

Every time I've been asked for my salary history, the person asking wanted the information in writing. It would never occur to me to verbally report, with no opportunity for preparation, how much I've been paid at each of the various jobs I'd been held. Had I been asked the question, I probably woul...
by FedGuy
Sat Jun 10, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Babson College
Replies: 30
Views: 2706

Re: Babson College

That just demonstrates how elitist southern California has become. The OP should consider that the true value of a Babson degree from a measure of its detractors. As in investing, sometimes contrarian indicators are more informative than positive correlations. I'm confused by this post. Are you say...
by FedGuy
Thu Jun 08, 2017 6:14 am
Forum: Personal Consumer Issues
Topic: Does anyone read the Wall Street Journal?
Replies: 58
Views: 6625

Re: Does anyone read the Wall Street Journal?

We receive the WSJ at work every day, along with several other papers. I scan through each paper every day. Over the last several years, the WSJ has gradually taken on a progressively more extreme political viewpoint. This is most easily seen on the op/ed pages, but is also clear in their main news ...
by FedGuy
Thu Jun 08, 2017 6:08 am
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3597

Re: How often do you redeem your credit card cash rewards?

I redeem as soon as possible. They don't do me much good sitting in some "here's how much we owe you, come get them!" account and, as noted above, the card issuer can always change their policies and essentially forfeit your cash back, so as soon as I reach the minimum redemption amount I go ahead a...
by FedGuy
Tue Jun 06, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: [Moving to] Washington, DC Navy Yard Area
Replies: 12
Views: 1362

Re: Washington, DC Navy Yard Area

I don't know that area that well, but it's definitely one of the most rapidly developing parts of town, with new condos and apartments going up constantly and a blossoming restaurant scene.

From the one time I went to a baseball game...I'd hate to live in that neighborhood on game day.
by FedGuy
Tue Jun 06, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 19982

Re: Best credit card for cash back

Citibank Double Cash MasterCard: 2% cashback on everything anytime. No annual fee, no special requirements, but has foreign fees. Well, there's one minor special requirement: if you redeem the cash back as a statement credit, you end up getting "only" 1.99% cash back. This is because of the silly w...