Search found 1215 matches

by FedGuy
Sat Jun 09, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6715

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: 57
Views: 6715

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: Investing - Help with Personal Investments
Topic: TSP Advice - Retiring Soon
Replies: 18
Views: 1543

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: 42
Views: 5032

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: 368

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: 3339

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: Investing - Help with Personal Investments
Topic: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?
Replies: 7
Views: 806

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: Investing - Help with Personal Investments
Topic: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?
Replies: 7
Views: 806

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: 80
Views: 8489

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: Investing - Help with Personal Investments
Topic: Which bond fund to choose: Schwab (SWAGX) or Fidelity (FBIDX/FSITX)?
Replies: 7
Views: 806

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: 2037

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: 15107

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: 5614

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: 1707

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: 6822

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: 42
Views: 5032

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: 3100

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: 2932

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: Investing - Theory, News & General
Topic: Investing for NRA (Non Resident Alien) WITH US Tax Treaty
Replies: 14
Views: 2179

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: Investing - Theory, News & General
Topic: Investing for NRA (Non Resident Alien) WITH US Tax Treaty
Replies: 14
Views: 2179

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: 2244

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: 4744

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.
by FedGuy
Sat Feb 10, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: "Personal Capital" program
Replies: 14
Views: 1555

Re: "Personal Capital" program

I used PC but I do not link my accounts. I enter the info manually. I tried doing that, but when I signed up the very first screen (after registering my email address) demanded my account information. I couldn't figure out a way around it, so I just exited. I was twice contacted by a PC adviser ask...
by FedGuy
Sat Feb 10, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3557

Re: Good Hotel in DC

We stayed at the Kimpton Palomar for a DC visit and liked it a lot. It's in Georgetown It's actually in Dupont Circle, not Georgetown. Come to think of it, there are a few hotels in DC that claim to be in Georgetown but aren't. For example, the "Fairmont Georgetown" and "Westin Georgetown" are both...
by FedGuy
Sat Feb 10, 2018 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 246
Views: 62169

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

TwstdSista wrote:
Sat Feb 10, 2018 7:56 am
Did people really not get the Star Trek reference? Inconceivable!
Yeah, I mean...am I really that old? I thought this was something everyone would recognize.
by FedGuy
Sat Feb 03, 2018 9:09 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 13600

Re: Starting to feel like the late 1990s?

I was swimming in the pool at my gym today and overheard a swim coach give advice about stocks to his student in the middle of a lesson.

So: yes, it's starting to feel like the late 1990s, and I'm now pretty sure there's about to be a crash.
by FedGuy
Sat Feb 03, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2816

Re: Need help - first major career choice (fed. gov.)

I work for the federal government and am very happy with it. I think most of the pros have been mentioned. One con that I haven't seen mentioned, though, is that federal employees are something of a punching bag for certain political interests. It can be demoralizing to read every week about some po...
by FedGuy
Fri Jan 26, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 5770

Re: Pizza delivery asked for security code on my credit card with order

ddd wrote:
Wed Jan 24, 2018 7:37 pm
OP, next time when this happens, use a one-time credit card number. Don't have to reveal or cancel the real number. Bank of America cards offer this through Shop-Safe. Other banks may have different names for it.
Citibank has these on their cards. They call them "Virtual Account Numbers."
by FedGuy
Fri Jan 26, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Thinking through Paying Down the Mortgage
Replies: 58
Views: 4715

Re: Thinking through Paying Down the Mortgage

One thing that I rarely see mentioned in these types of threads is the logistical and tax hassles of making numerous small investments in a taxable account. I usually have a couple of hundred extra dollars per month that I want to invest, and using it to pay down my mortgage is pretty simple. On the...
by FedGuy
Fri Jan 26, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 25270

Re: 401k millionaires

I joined the two comma club about two and a half years ago but doubt I will ever be a 401(k)--or, in my case, a TSP--millionaire. Most of my money is in a brokerage account and Roth IRA (most of which, admittedly, was originally 401(k) money from previous jobs). I use the G Fund for my fixed income ...
by FedGuy
Thu Jan 25, 2018 12:15 am
Forum: Personal Finance (Not Investing)
Topic: fidelity visa- is opening bonus worth it over Citi?
Replies: 35
Views: 2164

Re: fidelity visa- is opening bonus worth it over Citi?

I don't apply the rebate as an account credit, because I earn 1% on what I pay, not what is credited. Thus using the direct deposit option slightly increases the total reward. Yep, that's what I do. If you charge $100, you get credited with $1 in cash back. If you then pay Citi the $100 that you ow...
by FedGuy
Tue Jan 09, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: New York City Restaurant Week Suggestions
Replies: 15
Views: 1027

Re: New York City Restaurant Week Suggestions

It's great to be able to try the general feel of a restaurant, but you will get what you pay for. Hopefully you'll love it, but don't expect too much and I certainly wouldn't judge a restaurant purely on their restaurant week offering. I second this. I ate out all the time when I lived in NYC, and ...
by FedGuy
Sat Jan 06, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 33
Views: 3118

Re: Sling TV experiences

ausmatt wrote:
Sat Jan 06, 2018 8:01 am
it was actually cheaper for Youtube TV based on the bundle of channels I wanted (essentially CNBC, CNN, ESPNs, Fox Sports).
Wait...I thought Youtube TV didn't carry CNN (or any other Turner channels). Has this changed? That's an important factor for me.
by FedGuy
Sun Dec 31, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3167

Re: Securing Law School Scholarships

I just wanted to note that, while I generally agree with the advice to use a BigLaw salary to pay down law school debt as quickly as possible (that's what I did), this might not always be the best case for everyone. Interest rates vary wildly, and one of my former colleagues had law school loans at ...
by FedGuy
Sat Dec 30, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Your travel tips for Vienna and Budapest?
Replies: 23
Views: 1421

Re: Your travel tips for Vienna and Budapest?

If you're into that sort of thing, it might be worth getting a coffee or pastry in one of Vienna's famous, centuries-old cafes, and/or getting a Sacher torte at the Sacher Hotel. Budapest also has an indoor food market that foodies would enjoy.
by FedGuy
Sat Dec 30, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Securing Law School Scholarships
Replies: 37
Views: 3167

Re: Securing Law School Scholarships

Penn trolling? I was going to comment on that myself. For those who didn't notice, 2stepsbehind bolded DidItMyWay's use of the term "HYPS," an acronym commonly taken to refer to Harvard, Yale, Princeton, and Stanford. The last time I checked, Princeton did not have a law school. I agreed with most ...
by FedGuy
Sat Dec 30, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 33352

Re: The Wall Street Journal to close Google loophole entirely

The WSJ still makes it hard to subscribe and pay for digital only as they insist on a credit card which they keep for auto-renew, and they then later try to bill that card at very inflated renewal rates. Very difficult to reverse, and horrible customer service. Can you use a credit card that will e...
by FedGuy
Fri Dec 29, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6639
Views: 1434689

Re: U.S. stocks in freefall

GeraniumLover wrote:
Fri Dec 29, 2017 5:51 pm
Why take profits in 2017 when 2018 tax rates are lower?
I don't ask my friends and colleagues about their financial status, but I'm pretty sure most of them are getting an effective tax increase due to the new limits on deducting state taxes.
by FedGuy
Wed Dec 27, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 13384

Re: European Cities that don't interest you

Valuethinker wrote:
Wed Dec 27, 2017 1:06 pm
It's our Atlantic City. Without redeeming virtues other than a streetcar.
Atlantic City doesn't even have a streetcar.
by FedGuy
Sat Dec 23, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 13384

Re: European Cities that don't interest you

I disliked Munich. If you don't like beer (which I don't), the city has fairly little to offer.

Florence also isn't terribly interesting if you're not interested in art.
by FedGuy
Fri Dec 22, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 19794

Re: Buying Real Silver and Gold (Not Bitcoin)

grayfox wrote:
Fri Dec 22, 2017 11:18 am
That is an average price of 21.937 per ounce. Not bad. It looks like you are paying $89.94 for the display box and convenience.
Very interesting; thanks!

To be fair, it is a very nice box.
by FedGuy
Fri Dec 22, 2017 7:22 am
Forum: Investing - Theory, News & General
Topic: Buying Real Silver and Gold (Not Bitcoin)
Replies: 201
Views: 19794

Re: Buying Real Silver and Gold (Not Bitcoin)

Does anyone know of any place that sells a set--ideally, packaged in the same piece of plastic--of the major silver coins from different countries? For example, a set that includes an American Silver Eagle, a Canadian Silver Maple Leaf, a Chinese Silver Panda, etc? I've been thinking about buying so...
by FedGuy
Fri Dec 08, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 68681

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: 2898

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: 4177

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: 4177

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: 4589

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: 4589

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: 5144

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: 254
Views: 32511

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.