Search found 1266 matches

by FedGuy
Sat May 30, 2020 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 12
Views: 2689

Re: Capital One Bank bonus $450

How do they define when a deposit has been made? I pulled $50,000 into the account a week ago, but it's still showing as a pending transfer that won't be completed until June 1. Does that disqualify me from getting the bonus?

(I'm kind of afraid to call and ask.)
by FedGuy
Sat May 16, 2020 11:01 am
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 3008

Re: BJJ -martial art

One thing I didn't see discussed in any detail in this thread is that some people may be uncomfortable with the type of physical contact required in BJJ. I know someone who teaches karate and has dabbled in various martial arts but refuses to get involved in BJJ due to the nature and level of the ty...
by FedGuy
Sat Apr 25, 2020 10:11 am
Forum: Investing - Theory, News & General
Topic: Federal Reserve scraps transfer count limits on savings accounts
Replies: 41
Views: 3501

Re: Federal Reserve scraps transfer count limits on savings accounts

Thank you for posting this. I don't know how much is my bank's policy and how much was mandated by the Fed, but my bank allows unlimited transactions at ATMs while limiting online transactions. My bank is right across from my office, so I think nothing of running across the street multiple times a m...
by FedGuy
Fri Apr 17, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Making the most of COVID-19. What deals have you taken advantage of?
Replies: 19
Views: 3609

Re: Making the most of COVID-19. What deals have you taken advantage of?

I've bought some restaurant gift cards for 20% off (big chains I think are reasonably likely to survive this, like Panera).
by FedGuy
Fri Apr 17, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: reliable thermometer? (for human, not oven, etc.)
Replies: 41
Views: 2300

Re: reliable thermometer? (for human, not oven, etc.)

I actually came here to ask for recommendations on where to get a (body temperature) thermometer. All of my local stores, pharmacies, etc. are sold out. Thanks for the recommendations above.
by FedGuy
Fri Apr 17, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10198

Re: Eating out after lock-down is lifted

Learn how to cook or become friends with someone who does. More fun than out and cheaper. I disagree on both counts, actually. The first is obviously subjective. Regarding price, as someone who lives alone and nearly always cooks for one, I rarely achieve decent savings given the economics of buyin...
by FedGuy
Sat Mar 07, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: Panera Coffee Subscription
Replies: 16
Views: 2162

Re: Panera Coffee Subscription

Signing up was a no-brainer for me. We don't have coffee in our office, there's a Panera right next door, and I go there with colleagues once or twice a week, and by myself whenever I need a caffeine boost and have a few minutes to spare (which is probably two or three times a week). They will be lo...
by FedGuy
Sun Feb 16, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Anyone watch the Amazon series “The Expanse”?
Replies: 50
Views: 5494

Re: Anyone watch the Amazon series “The Expanse”?

I'm surprised to see all the positive reactions here. I watched it on SyFy until it disappeared behind the Amazon paywall (I'm not a Prime member). I'm a fan of a lot of science fiction, but I never really understood this show, and stuck with it just hoping it would get more interesting. It felt lik...
by FedGuy
Sun Dec 22, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Please suggest easy vacation spots near Munich
Replies: 27
Views: 1270

Re: Please suggest easy vacation spots near Munich

More great tips. Thanks, everyone! Some of the most interesting sites in Croatia are islands so ferrys are an option. Is there a particular ferry service you'd recommend, or a website to assist with planning? I hear the warnings about train travel but generally try to avoid any flight where I'll spe...
by FedGuy
Sat Dec 21, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Please suggest easy vacation spots near Munich
Replies: 27
Views: 1270

Re: Please suggest easy vacation spots near Munich

Thanks for all the great responses so far! You've given me a lot to think about. Just to clarify, I won't be using Munich as a base of operations. I have to be there on a specific day for a wedding, but I was thinking that I might fly in to some other city up to a week earlier, spend a day or two th...
by FedGuy
Sat Dec 21, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Please suggest easy vacation spots near Munich
Replies: 27
Views: 1270

Please suggest easy vacation spots near Munich

I'm going to be in Munich for a wedding this spring. I'm hoping to take about a week and a half (maybe two weeks) around the wedding to travel. I strongly prefer exploring cities, love taking the train, don't drive, and prefer to avoid flying given the logistics involved with getting to and from air...
by FedGuy
Sun Nov 24, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: As a govt employee, should I have a larger EF?
Replies: 28
Views: 2988

Re: As a govt employee, should I have a larger EF?

Is it as simple as dipping into your 3-6 month emergency fund? For me, it was as simple as dipping into my 12 month emergency fund. The same 12 moth emergency fund that got me through a year of unemployment during the Great Recession. The most recent shutdown was calamitous for many people who didn...
by FedGuy
Sun Nov 24, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7284

Re: Disney plus streaming deal

If you don't have kids, I don't see why anybody would be interested I keep forgetting that Disney has content intended to appeal to kids. The Star Wars and Marvel stuff will keep me tied up probably for the better part of a year. Then I'll check out the National Geographic material. Stuff like "Sno...
by FedGuy
Mon Nov 04, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 31
Views: 4855

Re: Best card to complement 2% cash back?

True but might as well take advantage of the 4% and $300 cash bonus and then downgrade after the first year. Are you sure they'll allow that? A while back, I made a similar calculation in getting a high-end card with an annual fee from another issuer (Citi). At the end of the first year, I asked to...
by FedGuy
Mon Oct 28, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 12841

Re: Uber VISA rewards cut

I also only use this card for restaurants, and never take Uber. I plan to find another card, take all my rewards as a statement credit before the deadline, cash out, and cancel the card. So, I'm looking for a replacement card. CapitalOne Savor card offers 4% back on restaurants/bakeries and $95 annu...
by FedGuy
Mon Oct 28, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Who has or Plans to Sign up for an IRS IP PIN
Replies: 14
Views: 1810

Re: Who has or Plans to Sign up for an IRS IP PIN

I've been using an IRS PIN for several years now (Washington DC resident, so I had the option to do so). It's been of negligible difficulty and has given me a lot of piece of mind. I'd recommend it.
by FedGuy
Fri Oct 04, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Disability Ins.?
Replies: 22
Views: 1325

Re: Fed Employee Disability Ins.?

tomwood wrote:
Fri Oct 04, 2019 8:46 pm
Not a highjack, it’s a great question.
Which have you tried that have been a waste of time calling, so I avoid them ?
I've found a few that cap their payout at $2,000 per month. Which is something, but I was hoping to find one that would insure me for more.
by FedGuy
Fri Oct 04, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Disability Ins.?
Replies: 22
Views: 1325

Re: Fed Employee Disability Ins.?

Thanks, Peseta! Both for this and for your PM.
by FedGuy
Fri Oct 04, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Disability Ins.?
Replies: 22
Views: 1325

Re: Fed Employee Disability Ins.?

I shopped it in the private sector and found a policy that would cost less per year, with much better benefits (additional 30% of salary (total 70% with FERS) with no FERS/SSDI reductions, full own-occupation, etc.). Hi, Peseta. Can you please tell me who offers the better policy that you found? I'...
by FedGuy
Sun Sep 29, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Need feedback on US Bank Cash Plus credit card
Replies: 12
Views: 748

Re: Need feedback on US Bank Cash Plus credit card

I applied online (a few years ago) and they still appear to take online applications for this card (https://www.usbank.com/credit-cards/cash-plus-visa-signature-credit-card.html and click Apply Now). Interesting. They must have reversed course at some point. I remember being unable to apply online ...
by FedGuy
Sun Sep 29, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Need feedback on US Bank Cash Plus credit card
Replies: 12
Views: 748

Re: Need feedback on US Bank Cash Plus credit card

I think another reason that this card doesn't get a lot of buzz is that it's gotten considerably worse since it was first introduced. I don't recall all the specifics at this point, but they used to have a feature where if you waited until you accumulated something like $100 in cash back before cash...
by FedGuy
Sun Sep 29, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897462

Re: What's Your Credit Card Rewards Strategy?

Has anyone experience with the savor card? Is there a penalty for canceling my card after less than a year? I looked into the Savor card because I eat out quite a bit. I tried to convert my Quicksilver card (which I never use, since it only pays 1.5% cash back and both my Citi Double Cash and Fidel...
by FedGuy
Mon Sep 23, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Elite liberal art colleges or bigger selective universities?
Replies: 59
Views: 5131

Re: Elite liberal art colleges or bigger selective universities?

Both groups of colleges are pretty diverse. I don't think it makes sense to pick one group (Ivy League vs. liberal arts colleges) and focus only on those to the exclusion of the other. There are some Ivy League schools that are closer to being the stereotypical "liberal arts college" than they are t...
by FedGuy
Sun Jun 23, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7449

Re: Single cup coffee/espresso options, 2019

Personally, I want to not be locked into buying $50/lb “pods” of stale coffee. When you buy one of those machines, you’re buying simplicity, but you’re also locking yourself in to the pod ecosystem. That's fair. I've never found the coffee to be stale, but I take your main point. Normal people who ...
by FedGuy
Sun Jun 23, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7449

Re: Single cup coffee/espresso options, 2019

csm wrote:
Sun Jun 23, 2019 8:09 am
I think it is misinformed to say that the original Nespresso machine only makes espresso.
I'm just telling you what they told me at the Nespresso store. When I told them that I wanted to make both espresso and coffee, they told me that that meant I should just look at the Vertuo machines.
by FedGuy
Sat Jun 22, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 91
Views: 7449

Re: Single cup coffee/espresso options, 2019

OP, you sound a lot like where I was a couple of years ago (I think I even posted here on Bogleheads looking for advice at one point). Like you, I wasn't (and still am not) a connoisseur, and just wanted some decent, easily-prepared coffee. The problem that I had, which is what you may be dealing wi...
by FedGuy
Fri Jun 14, 2019 5:49 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 45478

Re: How Bad was 2008, really?

minimalistmarc wrote:
Fri Jun 14, 2019 4:02 am
I wouldn’t have noticed 2008 if I hadn’t read the news. If you had a decent job it was fine.
I had a decent job...which I lost. It was not fine.
by FedGuy
Sun Jun 09, 2019 3:02 pm
Forum: Investing - Theory, News & General
Topic: G fund
Replies: 19
Views: 3365

Re: G fund

White Coat Investor wrote:
Fri May 31, 2019 8:57 am
Yes, cash on steroids. It currently yields 2.5%, which isn't all that different from Prime MMF right now (2.4%), but it's usually significantly higher, like 0.5-1% higher.
Down to 2.25% for June. It's been dropping like a stone for the last several months.
by FedGuy
Sun Apr 28, 2019 8:23 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118373

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I transferred my HSA from Adirondack Trust--which I originally established way back when Adirondack was paying 5% interest and not charging any fees--to Fidelity this month. It took roughly three and a half weeks. I think much of that time was for Adirondack to process the paperwork. In any case, it...
by FedGuy
Mon Apr 15, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 119
Views: 17191

Re: New era for TSP "I" Fund?

I saw that my most recent statement said that 2FA would be available this spring. I received the email today telling me that it was available, and made a point of signing up as soon as I got home. I got the confirmation that I've enabled 2FA but haven't actually tested it yet. I'm a little surprised...
by FedGuy
Sat Apr 13, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 420
Views: 66488

Re: Improving the TSP [for current participants]

The "TSP Highlights" notice included in current TSP statements notes that the TSP is FINALLY rolling out two-factor authentication! I'm thrilled that they've finally done this. I don't know why they didn't do it a decade ago (or in 2015, when, in response to my question, they told me they were "work...
by FedGuy
Fri Apr 12, 2019 7:39 pm
Forum: Personal Consumer Issues
Topic: YouTube TV is increasing their price - will you cancel it?
Replies: 63
Views: 5881

Re: YouTube TV is increasing their price - will you cancel it?

I do the YouTube TV + Philo combination. When I first heard about the Youtube TV price increase, I thought that I might be able to ditch Philo and come out more or less even...but it looks like YouTube TV isn't getting the History Channel, which is one of the main channels I watch on Philo. Maybe I'...
by FedGuy
Sat Mar 23, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Limiting Number of Transfers
Replies: 5
Views: 743

Re: Citibank Limiting Number of Transfers

I am a longtime Citi customer. I was aware of the six transfer limitation but had been told that ATM transactions don't count towards that limit. The article that rich126 posted seems to support the view that ATM transactions don't count towards that limit, but the OP says that ATM transactions actu...
by FedGuy
Sun Feb 24, 2019 9:05 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118373

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Does anyone know what interest rate Fidelity is paying on their HSA cash option? Most of my current HSA money is in cash at Adirondack, earning something like 1.0% interest per year. I already have accounts at Fidelity and would prefer to reduce the number of financial services providers I deal with...
by FedGuy
Mon Feb 18, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 119
Views: 17191

Re: New era for TSP "I" Fund?

gtwhitegold wrote:
Sun Feb 17, 2019 12:32 pm
I know that some these were put on the back burner because of blended retirement system and other efforts, but those are the two that I'm prioritizing.
I can't believe (well, I can, but barely) that they still haven't implemented two-factor authentication....
by FedGuy
Mon Jan 07, 2019 6:40 pm
Forum: Personal Investments
Topic: Capital One 360 NOW Offers Beneficiary Option
Replies: 6
Views: 1121

Re: Capital One 360 NOW Offers Beneficiary Option

Capital One's online form is demanding that I add my beneficiaries' Social Security Numbers. I don't have that information and, for various reasons, don't want to ask. Did anyone find a workaround for this?
by FedGuy
Mon Jan 07, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Dual coffee/espresso makers
Replies: 17
Views: 1619

Re: Dual coffee/espresso makers

Thanks, everyone. As I said in my initial post, my instinct is to avoid k-cup and similar systems, which would include Nespressos, because I want to avoid getting locked into a specific ecosystem and because of the environmental concerns. But given some of the recent posts, it might be worth visitin...
by FedGuy
Tue Jan 01, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Dual coffee/espresso makers
Replies: 17
Views: 1619

Re: Dual coffee/espresso makers

Hi, everyone. OP here. Thank you very much for your thoughts. A friend of mine also recommended the Aeropress, so I'll ask him to demonstrate next time I'm over at his place. I'll also take a closer look at the other machines you guys recommended. Bob, I looked at the Ninjas, but there are so many d...
by FedGuy
Mon Dec 31, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Porting Landline # to Google Voice On The Cheap
Replies: 18
Views: 4484

Re: Porting Landline # to Google Voice On The Cheap

I recently ported a landline to Google Voice. I don't recall using a guide. It's basically a two-step process. Google Voice only accepts porting from cell phone numbers, so you first have to port your landline to a cell phone, THEN port the now-cell phone number to Google Voice. The way I did this w...
by FedGuy
Wed Dec 26, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Dual coffee/espresso makers
Replies: 17
Views: 1619

Dual coffee/espresso makers

Can anyone recommend a fairly basic machine that would make both coffee and espresso? I'm trying to accommodate different preferences among my frequent guests. Having said that, none of us are exactly connoisseurs, and we don't have the time or patience to futz with too many settings or the refined ...
by FedGuy
Fri Nov 09, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Paper or Paperless? How and what financial records do you keep?
Replies: 51
Views: 4438

Re: Paper or Paperless? How and what financial records do you keep?

I used to save everything, including all my credit card statements going back many years. Years ago, I simplified somewhat, but haven't quite fully embraced paper minimalism. My current system is: 1) I save all my credit card and utility bills for one year, in an accordion folder with one pocket per...
by FedGuy
Sun Nov 04, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Collateralized Loan Obligations
Replies: 11
Views: 1055

Re: Collateralized Loan Obligations

These are not new. They pre-date the financial crisis by quite a bit.
by FedGuy
Sat Nov 03, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Federal employee long-term disability benefits
Replies: 3
Views: 718

Federal employee long-term disability benefits

I was recently contacted by a professional organization in my field, asking me to consider joining them as a member. Looking over their list of membership benefits, I found myself most curious about their long-term disability insurance. I've held on to a mediocre policy offered by a previous employe...
by FedGuy
Sat Nov 03, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: TSP progress on 2-factor authentication announced
Replies: 4
Views: 926

Re: TSP progress on 2-factor authentication announced

I'm very glad to hear this. I asked TSP about implementing 2-factor authentication in 2014 or 2015. At the time, they told me they were working on it, but I've heard nothing since. Thanks for the update!
by FedGuy
Sun Oct 28, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208217

Re: [What TV Show Have You Recently Watched?]

Currently Watching: Designated Survivor -- Went in hoping for some 24 intrigue, but it's pretty mediocre. Doubt I'll get past season 1. I hate to break it to you, Grokzilla, but while I LOVED season 1 of Designated Survivor, it fell apart very quickly in season 2, when the new showrunner reinvented...
by FedGuy
Sat Sep 08, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa Card
Replies: 78
Views: 12854

Re: Fidelity Rewards Visa Card

The following cards all have no annual fee, and have > 2.5% cash back: Just to be clear, there are plenty of others, such as the Chase Freedom (5% cash back in select categories that change every quarter), Uber card (4% cash back at restaurants), American Express Blue Cash Everyday (3% cash back at...
by FedGuy
Sat Sep 08, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: Go to Istanbul next week. Any suggestions
Replies: 50
Views: 4402

Re: Go to Istanbul next week. Any suggestions

I last went to Istanbul about 15 years ago, so my information might be out of date, but be prepared to be accosted constantly by people trying to sell you stuff or scam you. The only time in my life that my pocket was ever picked was in Istanbul. And even when people aren't outright trying to rob yo...
by FedGuy
Sun Sep 02, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 6040

Re: $200 cash bonus offer from Citi

I've steered clear of Citi Bank. Read the posts on Doctor of Credit (someone put a link to that site earlier in this thread). Citi is apparently difficult to deal with and quite a few people have been disappointed in their experience with them. I've been with Citi for a couple of decades and have g...
by FedGuy
Sun Aug 12, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: legal recruiters? any recommendations?
Replies: 4
Views: 712

Re: legal recruiters? any recommendations?

Are your name, bio, and contact information listed on your firm's website? When I was at a firm, over time legal recruiters would just contact me. Even when I wasn't looking, I kept their contact information in case I needed it someday. Do you have any former colleagues who can recommend the recruit...