Search found 1243 matches

by FedGuy
Sun Jun 23, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5649

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: 84
Views: 5649

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: 84
Views: 5649

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: 321
Views: 38778

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: 3164

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: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1045
Views: 95800

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: 60
Views: 9971

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: 314
Views: 51695

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: 5076

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: 699

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: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]
Replies: 1045
Views: 95800

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: 60
Views: 9971

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: 907

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: 1494

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: 1494

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: 3063

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: 1494

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: 4073

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: 974

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: 633

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: 3
Views: 669

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: 1374
Views: 143221

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: 11884

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: 4114

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: 5660

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: 674

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...
by FedGuy
Fri Jun 22, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 23120

Re: Did you celebrate when you finally hit $1m?

When I saw I joined the two comma club, I posted on this board and went to get take-out.

To this day, I've never mentioned it to anyone except on this board.
by FedGuy
Sat Jun 09, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 11346

Re: General Electric

munemaker wrote:
Sat Jun 09, 2018 8:35 am
The perspective of the employee is different than the shareholder.
That's fair. For what it's worth, though, the former employees I know refused to buy GE shares because, based on what they saw what they were there, they're pessimistic about the company's prospects.
by FedGuy
Sat Jun 09, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 77
Views: 11346

Re: General Electric

AtlasShrugged? wrote:
Sat Jun 02, 2018 6:05 am
"And you worry about one bad chairman?"
I know several former GE employees who would tell you that GE is on its second consecutive bad chairman.
by FedGuy
Mon Jun 04, 2018 6:26 am
Forum: Personal Investments
Topic: TSP Advice - Retiring Soon
Replies: 37
Views: 4639

Re: TSP Advice - Retiring Soon

He said he submitted a beneficiary designation for a family member but when we contacted TSP, first it was hard to get anyone there who knew anything, then they said they never received it. The TSP seems to have issues with receiving beneficiary designations. I have mailed in my TSP-3 (the form use...
by FedGuy
Sat May 26, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 60
Views: 9331

Re: Credit card question - get Uber's new 4%er?

I applied for this card and was rejected due to an error on my credit report. I've now gotten the credit reporting agency to correct the error and am wondering if I can convince Barclays to give me another look without making me apply all over again. In the middle of a similarly frustrating experie...
by FedGuy
Fri May 18, 2018 7:35 am
Forum: Investing - Theory, News & General
Topic: HSA Benefits and FSAFEDS
Replies: 4
Views: 510

Re: HSA Benefits and FSAFEDS

jcgvt01 wrote:
Thu May 17, 2018 4:34 pm
I used to be .gov, not sure if FSAFEDS/OPM offer a "limited" FSA.
It does: https://fsafeds.com/explore/lex-hcfsa
by FedGuy
Thu May 10, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 4527

Re: Do I need to unfreeze my credit before applying for a new card?

The amount of time (and you forgot to mention cost) it takes to freeze credit isn't the only relevant factor. There's the inconvenience (and cost) of having to unfreeze it every time you want to apply for a credit card, or a loan, or do just about anything that requires a hard credit check, and the...
by FedGuy
Sun Apr 22, 2018 9:20 pm
Forum: Personal Investments
Topic: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?
Replies: 7
Views: 1658

Re: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?

For simplicity you could consider combining the two Roth IRAs, by rolling the Schwab Roth IRA over into the Fidelity Roth IRA. I've thought about it, but I'm stuck with my taxable brokerage at Schwab due to large taxable gains in the account, so there's no great increase in complexity from having a...
by FedGuy
Sun Apr 22, 2018 12:31 pm
Forum: Personal Investments
Topic: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?
Replies: 7
Views: 1658

Re: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?

Thank you all! Why do you have two Roth IRAs? When I started my second real job, I wanted to convert the 401(k) from my previous job into a Roth IRA. My second employer restricted us to a list of three brokerages, and I chose Schwab. I converted my previous 401(k) to a Roth IRA at Schwab and opened ...
by FedGuy
Sun Apr 22, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 92
Views: 19232

Re: What is a good flat rate cash back credit card?

Someone may have mentioned this, but there is one small caveat with the Citi Double Cash which I was not aware of for a long time. If you apply cash back rewards to your statement credit you do not get the second 1% match on that amount. So I switched and started getting a check sent when I redeem ...
by FedGuy
Sun Apr 22, 2018 8:06 am
Forum: Personal Investments
Topic: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?
Replies: 7
Views: 1658

Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?

I use a three-fund portfolio (more or less) and I'm trying to move to a somewhat more conservative asset allocation. As of now, most of my fixed-income exposure is in my federal government Thrift Savings Plan (TSP), which I max out and is held 100% in the G Fund. I also keep an HSA, which I also max...
by FedGuy
Sat Apr 21, 2018 7:16 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment frequency - Monthly vs. Weekly
Replies: 15
Views: 2637

Re: Mortgage payment frequency - Monthly vs. Weekly

I think with most (all?) lenders, if you pay early, whether in full or in part, it essentially sits there until the due date. By default it will then be applied to the next payment when that's due. I just wanted to emphasize this point. If you make an additional payment on, say, the 15th of the mon...
by FedGuy
Sat Apr 07, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 18909

Re: How much cash do you keep at any time on checking?

I keep about $100 in my checking account. Before writing a check (whether actual or electronic), I transfer enough to cover the check from my savings to my checking, thereby maintaining a $100 buffer in my account at all time.
by FedGuy
Sat Apr 07, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: [When is going out to a restaurant worth it to you?]
Replies: 71
Views: 7166

Re: [When is going out to a restaurant worth it to you?]

I agree with many of the answers already given (not enough time to shop/cook/clean, don't really enjoy cooking, I'm usually cooking for one and don't find the value proposition there for one person, desire to try new things), but I actually really enjoy "exploring"--in my spare time I often just wal...
by FedGuy
Tue Mar 20, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Comprehensively Learn Law
Replies: 22
Views: 1901

Re: Least Expensive Way to Comprehensively Learn Law

Eh, I thought Barbri was quite different from law school. Barbri is just giving you rules to memorize and reguritate- you don't get any of the background or training to derive the rules you get in law school, nor do you learn proper legal writing or research. I thought the bar exam was more of a ha...
by FedGuy
Sat Mar 17, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Paging BH Gearheads: Reasonable Net Worth for Exotic
Replies: 104
Views: 8312

Re: Paging BH Gearheads: Reasonable Net Worth for Exotic

Am I the only one who opened this thread hoping for an answer to the question, "Exotic what?" (Yes, I saw the reference to "Gearheads" but expected a discussion about routers or something.)
by FedGuy
Wed Mar 14, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Credit card question - get Uber's new 4%er?
Replies: 60
Views: 9331

Re: Credit card question - get Uber's new 4%er?

I applied for this card and was rejected due to an error on my credit report. I've now gotten the credit reporting agency to correct the error and am wondering if I can convince Barclays to give me another look without making me apply all over again. Having said that, I really hated the way Barclays...
by FedGuy
Sun Mar 04, 2018 11:21 pm
Forum: Investing - Theory, News & General
Topic: TSP fails secuity audit
Replies: 19
Views: 3425

Re: TSP fails secuity audit

Not very reassuring that the article states that "An effective information security program is scored at Level 4," and then the TSP official proudly states that they're hoping to reach Level 3 in a year.

Is implementation of two-factor authentication a requirement for either level?
by FedGuy
Mon Feb 26, 2018 11:19 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Visa now 5% back at Whole Foods
Replies: 30
Views: 3454

Re: Amazon Prime Visa now 5% back at Whole Foods

As a fellow Prime holdout who also has the Amex Blue Cash Preferred card giving me 6% cash back at all supermarkets, joining Prime to get 5% cash back at a single supermarket chain doesn't make much sense to me.
by FedGuy
Sun Feb 25, 2018 2:16 pm
Forum: Non-US Investing
Topic: Investing for NRA (Non Resident Alien) WITH US Tax Treaty
Replies: 14
Views: 2632

Re: Investing for NRA WITH US Tax Treaty

Non-resident alien . A person who is not a US resident and not a US citizen. I'll add "NRA" to the site's wiki on abbreviations; thanks for the note. Thanks! I should have been able to figure that out on my own, but there've been a lot of news stories in the last week or two about another use of th...
by FedGuy
Sat Feb 24, 2018 5:25 pm
Forum: Non-US Investing
Topic: Investing for NRA (Non Resident Alien) WITH US Tax Treaty
Replies: 14
Views: 2632

Re: Investing for NRA WITH US Tax Treaty

Sorry to derail the thread, but can someone please let me know what "NRA" stands for in this context? I checked the Wiki but couldn't find anything. I'm guessing that the acronym doesn't stand for what I initially thought, so I was hoping to get some context.
by FedGuy
Fri Feb 23, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Review ettiquette
Replies: 24
Views: 2536

Re: Review ettiquette

No written warnings, no personal improvement plans If the issue wasn't serious enough to merit written warnings or personal improvement plans, and was corrected after verbal feedback, the employee shouldn't be penalized for this in the performance review. In fact, it might be more appropriate to pr...
by FedGuy
Sun Feb 18, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 5639

Re: Any Creative Ways to Cut the Cable?

FYI, Youtube TV has just added the Turner channels (CNN, TNT, and TBS) and will raise its prices for new subscribers by $5/month in March. Since the lack of these channels was my biggest reason for remaining on the sidelines, I'm probably going to sign up before the price increase goes into effect.