Search found 293 matches

by c.Alvin
Sat Jul 07, 2018 9:52 pm
Forum: Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 4312

Re: Fidelity vs Schwab

3) Schwab cash management seems to have fewer issues than Fidelity due to Schwab being a bank and Fidelity using 3rd parties for both banking (PNC, etc) and Servicing (BNY Mellon). I have used Fidelity Cash Management for several years. I have never had an issue with the banking end of the business...
by c.Alvin
Sat Jul 07, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 2111

Re: Checkbook balancing software?

tnjj Posts: 32 Joined: Fri Apr 05, 2013 10:41 am Contact: Contact tnjj Re: Checkbook balancing software? Unread post by tnjj » Sat Jul 07, 2018 10:10 pm Recognizing that the question asked for software, but the issue is the relative’s vision. Perhaps a larger checkbook register would provide a solu...
by c.Alvin
Fri Jul 06, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 57
Views: 9057

Re: Capital One now at 1.60 [Money Market Rate To 1.60% APY]

As long as the institution is FDIC insured, the biggest risk is they fail and your investment is returned early.
by c.Alvin
Fri Jul 06, 2018 12:24 pm
Forum: Personal Investments
Topic: Roll over old 401k to Vanguard?
Replies: 6
Views: 609

Re: Roll over old 401k to Vanguard?

I am struggling to understand why you are willing to transfer out of a no-fee 401k unless the investment options are terrible. One of the cardinal rules is to keep the fees as low as possible.
by c.Alvin
Wed Aug 16, 2017 11:39 am
Forum: Personal Investments
Topic: TSP Loan vs Credit union Loan
Replies: 24
Views: 2285

Re: TSP Loan vs Credit union Loan

O.P. > "Current Credit Union loan rates: 2.0% APR for 36 months, 2.4% for 60 months"

Basically, you are betting the G-Fund will stay below 2.4% annually for the next 60 months. I have used TSP loans a couple of times myself, but this bet looks like a loser.


c.Alvin
by c.Alvin
Fri Jul 07, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: Considering a TSP loan to pay off student loans
Replies: 36
Views: 4605

Re: Considering a TSP loan to pay off student loans

If you can not afford her student loan payments without tapping your life savings, maybe the wedding should wait. My personal rules for borrowing from TSP goes like this: - use other financial sources first - credit union or bank loan. - only borrow from what is currently allocated to the G-Fund - l...
by c.Alvin
Fri Apr 21, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: How much to pay a housekeeper?
Replies: 23
Views: 4861

Re: How much to pay a housekeeper?

South Florida My housekeeper cleans every two weeks. Four years ago, she requested $15 per hour with a minimum of four hours. Recently, I voluntarily increased it to $20 per hour. The licensed "professional" cleaning services in this area demand $40 per hour with a minimum of four hours - total $160...
by c.Alvin
Fri Apr 21, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 445
Views: 68239

Re: Larry Swedroe says "Goodby."

I appreciate Larry's many high quality posts over the years. Fortunately, his past posts are preserved in the archives. This is a great loss for the Bogleheads.


c.Alvin
by c.Alvin
Sat Jul 30, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 1852

Re: Old School alarm/table clock

Sonic Alert makes a series of alarm clocks that are very adjustable. -- adjustable volume (whisper soft to screaming siren) -- adjustable tone (pleasant to irritating) -- adjustable brightness (soft to bright) -- optional pillow vibrator (for those with a hearing disability) -- battery backup https:...
by c.Alvin
Tue Sep 01, 2015 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Question
Replies: 24
Views: 4403

Re: Credit Card Question

O.P. You may want to look at a few cashback cards without annual fees. Quick Silver (VISA) by Capital One has 1.5% cashback with no fee. The Fidelity Investment Rewards (AmEx) has 2.0% cashback with no fee, but it requires a minimum of $2,500 investment with Fidelity. You may want to consider gettin...
by c.Alvin
Sun Jul 12, 2015 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab checking account better for foreign travel?
Replies: 16
Views: 8867

Re: Fidelity or Schwab checking account better for foreign travel?

The Fidelity 1% FTF you reference only applies to "purchases" with their debit card. The Fidelity ATM cash withdrawal transactions are free. I have used the ATM card with cash withdrawals for several months in Europe and Africa without fees. It is an outstanding value. I never use a debit card for f...
by c.Alvin
Sun Jul 05, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle books at 50% discount for Bogleheads
Replies: 20
Views: 5234

Re: Jack Bogle books at 50% discount for Bogleheads

Jack's books are still a best investment at the retail price. You are lucky to find that kind of wisdom anywhere.


Alvin
by c.Alvin
Fri Jul 03, 2015 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab checking account better for foreign travel?
Replies: 16
Views: 8867

Re: Fidelity or Schwab checking account better for foreign travel?

If you check the Fidelity website, it states no ATM fees for local and international withdrawals. I have used the Fidelity ATM card in Addis Ababa Ethiopia (Eastern Africa) and all over Italy. It is the cheapest and most convenient way to get Euros. In fact, I am still in Milano Italy, using the car...
by c.Alvin
Tue Jan 20, 2015 1:55 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 13265

Re: Florida in the summer

I'm a lifetime New Yorker who's starting to think about moving to Florida ...😎😎😎 If you are addicted to the social scene in NY, the weather is probably going to be least of your concerns. Instead of relocating you may want to consider a short term lease. You could lease a furnished apartment for a ...
by c.Alvin
Tue Jan 20, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 69
Views: 7767

Re: “How Does Aging Affect Financial Decision Making?”

Another good reason why I invest in Vanguard index funds - it is no brainer.

I am not worried about investments in my old age. Nothing could possibly be more disastrous than the stock trading of my youth.

:oops:
by c.Alvin
Sun Jan 18, 2015 3:25 pm
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 13265

Re: Florida in the summer

The midday sun in South Florida can be very intense. I tend to split my outdoor activities into morning and evening events. I plan my indoor activities such as shopping for midday. I am seriously considering putting a darker tint on the windows of my vehicle. For me it is all about avoiding the sun....
by c.Alvin
Sat Jan 17, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Retirees: Do you work part-time for pay?
Replies: 58
Views: 8194

Re: Retirees: Do you work part-time for pay?

Not me.

Retirement was about reclaiming my brain. I spend my days in retirement contemplating whatever Alvin wants to think. This brain is no longer for hire. That is true freedom.
by c.Alvin
Sat Jan 17, 2015 1:34 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 8844

Re: Poll: Your Max. REIT Allocation

My target range is 5-10%. I am comfortable with it floating to 15%.
by c.Alvin
Sat Jan 17, 2015 1:27 pm
Forum: Personal Consumer Issues
Topic: How to speed up Google Nexus 7 (2012)
Replies: 11
Views: 2173

Re: How to speed up Google Nexus 7 (2012)

I have the 2012 Nexus 7. I was not happy with the upgrade to Android 5. I finally received the upgrade to Android 5.0.2 and the associated updated apps. It seems to run ALMOST as well as KitKat 4.4

My Nexus 4 cellphone is still running KitKat 4.4. Obviously, I am in no rush to update it.
by c.Alvin
Wed Jan 14, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I convert Traditional to Roth (for Backdoor)
Replies: 13
Views: 1918

Re: Should I convert Traditional to Roth (for Backdoor)

Background: . . . Obviously there would be tax consequences for making the conversion. I'm looking for guidance on how to evaluate the pros and cons of the tax consequences of converting the entire $30k Traditional to a Roth (so that the backdoor strategy can be employed in the future without creat...
by c.Alvin
Tue Jan 13, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I convert Traditional to Roth (for Backdoor)
Replies: 13
Views: 1918

Re: Should I convert Traditional to Roth (for Backdoor)

Background: . . . Obviously there would be tax consequences for making the conversion. I'm looking for guidance on how to evaluate the pros and cons of the tax consequences of converting the entire $30k Traditional to a Roth (so that the backdoor strategy can be employed in the future without creat...
by c.Alvin
Sun Jan 11, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Should I convert Traditional to Roth (for Backdoor)
Replies: 13
Views: 1918

Re: Should I convert Traditional to Roth (for Backdoor)

Background: . . . Obviously there would be tax consequences for making the conversion. I'm looking for guidance on how to evaluate the pros and cons of the tax consequences of converting the entire $30k Traditional to a Roth (so that the backdoor strategy can be employed in the future without creat...
by c.Alvin
Sun Jan 11, 2015 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251309

Re: How Many Credit Cards do you have?

It's surprising that so many have responded 6+ Perhaps they included inactive credit cards. I would think that it's probably not necesary to have more than 2, and MAYBE have 3 credit cards at the most. With two, you can use the 2nd card in case the first is temporarily cancelled or whatnot. You are...
by c.Alvin
Sun Jan 11, 2015 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251309

Re: How Many Credit Cards do you have?

I do not like the games many of the cash back programs play - 5% on gas this month - 3% on groceries the next month. I have a life. American Express is accepted just about everywhere these days. A slew of other cards stay at home. I was lured into most of them by cash incentives. I have two rules: 1...
by c.Alvin
Wed Jan 07, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 39603

Re: What do you drive, and why?

Toyota Camry LE - 2011 (4 cyl.)

I am frugal, retired, and single. A car does not enhance my self image. The Camry is reliable, comfy, economical, and the rear seats let down providing access from the spacious trunk. I can store my big road bike in the trunk. No SUV needed here.
by c.Alvin
Wed Jan 07, 2015 6:13 pm
Forum: Personal Investments
Topic: TSP to IRA Transfer and Conversion Help
Replies: 9
Views: 1636

Re: TSP to IRA Transfer and Conversion Help

I agree with the others. The G-Fund in the TSP is very unique. Do not under estimate it's value during a market down turn. Unless you expect to be in an exponentially higher tax bracket (salary) when you retire, I would not do the conversion. My philosophy is never pay a tax in advance. I did a ROTH...
by c.Alvin
Thu Jan 01, 2015 4:33 pm
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 6494

Re: Car Recommendations for about 25k

Automobiles are liabilities in San Fran due to the expense of parking. I would research the maintenance cost of owning a used luxury car over a 5 year period before making the leap. The Honda Civic is easy on the wallet.
by c.Alvin
Mon Dec 29, 2014 4:05 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 5520

Re: Any Cyclists With a Brooks Saddle?

I have owned a Brooks saddle for a number of years and would never sell it. Yes, it did require a break in period of a few hundred miles. It is a relatively comfortable saddle, but it requires regular maintenance. The Brooks saddle would not be my first choice for a long century ride. I keep it on m...
by c.Alvin
Mon Dec 29, 2014 3:34 pm
Forum: Personal Consumer Issues
Topic: Tablet (something simple) for after a stroke?
Replies: 16
Views: 1978

Re: Tablet (something simple) for after a stroke?

I have no experience with stroke patients, but here are a couple things that immediately come to mind. My opinion the tablet is a poor choice for a stroke patient, because it requires two steady hands to operate. The best use for a tablet would be as reading device such as a Kindle reader. I agree t...
by c.Alvin
Mon Dec 29, 2014 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: .
Replies: 55
Views: 14939

Re: Selling older car vs. keeping it for low level use

Sell it. The vehicle will never be worth more than now. It will be constant slow financial drain. The rubber parts dry out over time. You will have to keep it insured and drive it periodically. Where are you going to store it? It is just a pain. You are better off renting on those few occasions you ...
by c.Alvin
Mon Dec 29, 2014 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 10401

Re: What price are you planning to pay for your next car?

Everything is relatively close to me. My average drive is 5-10 minutes, except for weekend trips to the city. I put very few miles on my vehicle and drive less every year. I have middle class values and no automobile excites me accept the $200k plus sports cars which are a total waste of money. I do...
by c.Alvin
Mon Dec 29, 2014 2:18 pm
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 11286

Re: Retiree Poll:What is your current AA?

I am 60/40 at age 65.

That really does not tell you much. Unless you know to what extent the person is dependent upon those assets to provide an income stream.
by c.Alvin
Sat Sep 06, 2014 4:16 pm
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 4445

Re: Do you consider your emergency fund part of your portfol

Yes. I track my emergency fund on the same spreadsheet with my mutual funds and stocks. If I had to withdraw the emergency fund it would have minimal impact on my portfolio asset allocation. I keep in mind the emergency fund could be liquidated when the market is down. The cash allocation in the por...
by c.Alvin
Mon May 26, 2014 6:01 pm
Forum: Personal Consumer Issues
Topic: Netflix vs Amazon Prime?
Replies: 21
Views: 4894

Re: Netflix vs Amazon Prime?

I have Netflix streaming, Netflix DVD service, and Amazon Prime. There is not as much overlap as I anticipated between the Netflix and Amazon. Amazon is relatively new to the streaming game and still developing. Amazon Prime members have access to a large number of free movies, but the most recent m...
by c.Alvin
Sun May 11, 2014 1:51 pm
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 25243

Re: Snowbirds: Best Mail Forwarding Options?

The key is how long of a delay is acceptable. If you can wait a week or more for your mail the premium service could work for you.
by c.Alvin
Wed May 07, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 25243

Re: Snowbirds: Best Mail Forwarding Options?

A lot of work, and definitely not foolproof. Utilities in particular seem to have a lot of trouble grasping that the billing address and the service address are not the same. When I have a rental vacancy, it sometimes takes several tries for them to get it right, and occasionally it gets switched b...
by c.Alvin
Wed May 07, 2014 11:21 am
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 25243

Re: Snowbirds: Best Mail Forwarding Options?

If you staying several months simply change your billing address for each institution. It is cheaper and foolproof.
by c.Alvin
Sun Mar 30, 2014 2:46 pm
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 12402

Re: Will this affect your Tipping? [Suggested Tip Amounts]

This may be how you feel, but if you are a regular anywhere, and never leave a tip because "it turns you off", I can't imagine the level of service you must get. :oops: I will leave a tip, but it burns my gut. Wait staff are seldom the lowest compensated employees in a restaurant. The dishwashers u...
by c.Alvin
Sun Mar 30, 2014 1:44 pm
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 12402

Re: Will this affect your Tipping? [Suggested Tip Amounts]

The idea of tipping turns me off. Tipping should be for extra ordinary service that is a unique and a memorable experience provided single handed by the server. Using that guideline we should never tip waiters. All the real work takes place in the kitchen. If anyone should be tipped it is the cook p...
by c.Alvin
Sun Mar 30, 2014 1:08 pm
Forum: Personal Consumer Issues
Topic: Reading room chair - what to pay and where to purchase?
Replies: 34
Views: 12474

Re: Reading room chair - what to pay and where to purchase?

I would say you are very limited by your budget. It is going to boil down to what is available in your price range below $250. Good furniture has never been cheap. You can try estate sales.
by c.Alvin
Sat Mar 15, 2014 2:23 pm
Forum: Personal Investments
Topic: Future Planning
Replies: 4
Views: 575

Re: Future Planning

Welcome, The best investment for the long term would be in the TSP program. You don't mention if you are using the TSP but it has some of the lowest cost options around. You definitely want to start saving money inside that account then leave it there when you leave the military. Once the account i...
by c.Alvin
Mon Jan 27, 2014 9:55 am
Forum: Personal Investments
Topic: Do Retirees have Emergency Funds ?
Replies: 36
Views: 3245

Re: Do Retirees have Emergency Funds ?

I spend hell of a lot more money since my retirement. I need an emergency fund more than ever. It is not an emergency fund if the assets are not liquid and available on short notice. Some would argue that credit cards could serve the purpose. Credit cards are not acceptable in all situations and ban...
by c.Alvin
Fri Jan 24, 2014 2:04 pm
Forum: US Chapters
Topic: Taylor's 90th Birthday
Replies: 272
Views: 35958

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

HAPPY BIRTHDAY!!!

Taylor,
Your wisdom and helpful posts have saved many investors over the years. Thanks for keeping us on course.



c.Alvin
by c.Alvin
Mon Dec 09, 2013 10:50 am
Forum: Investing - Theory, News & General
Topic: Fidelity Redesiging Online Cash Management
Replies: 21
Views: 3241

Re: Fidelity Redesiging Online Cash Management

Have they added the feature where you can pay some directly by entering the recipient's checking account number? So few banks have this, but to me it seems really useful. I am not aware of Fidelity supporting payments directly to a checking account, cellphone#, or email account. There probably is n...
by c.Alvin
Sun Dec 08, 2013 6:00 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Redesiging Online Cash Management
Replies: 21
Views: 3241

Re: Fidelity Redesiging Online Cash Management

Have they added the feature where you can pay some directly by entering the recipient's checking account number? So few banks have this, but to me it seems really useful. I am not aware of Fidelity supporting payments directly to a checking account, cellphone#, or email account. There probably is n...
by c.Alvin
Sun Dec 08, 2013 4:55 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Redesiging Online Cash Management
Replies: 21
Views: 3241

Re: Fidelity Redesiging Online Cash Management

Have they added the feature where you can pay some directly by entering the recipient's checking account number? So few banks have this, but to me it seems really useful. I am not aware of Fidelity supporting payments directly to a checking account, cellphone#, or email account. There probably is n...
by c.Alvin
Mon Dec 02, 2013 2:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Redesiging Online Cash Management
Replies: 21
Views: 3241

Re: Fidelity Redesiging Online Cash Management

Looks like the updates to the Fidelity Cash Management site are complete. All the changes I requested are addressed. It makes me feel like someone was actually listening and cares. Here is a video for those lacking access to the site. https://www.fidelity.com/learning-center/media/manage-money-and-p...
by c.Alvin
Wed Nov 27, 2013 4:03 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6506

Re: Jamaica Vacation - Any tips?

I just noticed this thread is over a year old. Who resurrected this antique?
by c.Alvin
Wed Nov 27, 2013 3:10 pm
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6506

Re: Jamaica Vacation - Any tips?

DO NOT RENT A CAR IN JAMAICA!!! I tend to agree with this, but mainly because the locals drive like maniacs and some of the roads aren't in the best of repair. But driving on the left wasn't that big of an issue for me; I easily survived a week of it on Grand Cayman, including negotiating roundabou...
by c.Alvin
Wed Nov 27, 2013 11:49 am
Forum: Personal Consumer Issues
Topic: Jamaica Vacation - Any tips?
Replies: 74
Views: 6506

Re: Jamaica Vacation - Any tips?

Dear Bogleheads, We are considering to have a small family reunion (4 - 9 people) in Jamaica for 7 to 10 days during the second half of December 2012 (including during Christmas). Do you have any tips for accommodation and/or activities? We would all fly to Montego Bay airport. (Indeed, we basicall...