Search found 884 matches

by jpsfranks
Mon Jan 09, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 224
Views: 20239

Re: How Bad was 2008, really?

I remember the particular point that really terrified me was after a major money market fund "broke the buck" and suddenly it seemed like nothing was safe anymore. The federal government stepped in and temporarily guaranteed money market funds and for deposit accounts increased the FDIC li...
by jpsfranks
Mon Jun 06, 2016 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 44154

Re: [Fidelity drops AmEx, Bank of America credit cards]

jeffyscott wrote:jpsfranks - why not leave the account open but quit using the card and get a new card with 2% rebates...either the fidelity one or the citi one?

I might. I'd prefer to not accumulate another card for no other reason though so I will first try to convert the card once I receive it I guess.
by jpsfranks
Mon Jun 06, 2016 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 44154

Re: [Fidelity drops AmEx, Bank of America credit cards]

I only have the 1.5% FIA currently, no AMEX, and just received the letter that I'm being converted to the Elan 1.5% card. It's pretty annoying to be grandfathered into an inferior plan after using this card as my primary card for 10 years now. Obviously I'd prefer to keep the credit history for this...
by jpsfranks
Mon Jan 04, 2016 12:45 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 44154

Re: Boston Globe > Fidelity, American Express are parting ways

Currently the Fidelity Visa through FIA is 1.5% on the first $15k, 2% after that, while the Fidelity AMEX is 2% on all purchases. If they are merging to one card and retaining 2% I wonder which reward plan they will adopt. It looks like Fidelity has already scrubbed their site of mention of the old ...
by jpsfranks
Sat Dec 12, 2015 12:35 pm
Forum: Personal Consumer Issues
Topic: New Laptop -- Christmas present for me
Replies: 53
Views: 6266

Re: New Laptop -- Christmas present for me

2- I cannot remember the last time it "forced" me to do some weird upgrade with restarts, a la any Windows machine. Odd, I have one waiting for me right now, OS X El Capitan Update 10.11.2, released 12/8, requires restart. I agree wholeheartedly on the trackpad, but I think the other poin...
by jpsfranks
Mon Nov 16, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Those Zim$ really got inflated
Replies: 2
Views: 977

Re: Those Zim$ really got inflated

The government suspended trade of the Zimbabwe dollar several years ago switching officially to foreign currencies. The USD in particular is now standard. I visited last year and there were a few interesting things about their USD usage: ⋅ There is no change, presumably since it would be t...
by jpsfranks
Fri Jan 30, 2015 12:18 am
Forum: Personal Consumer Issues
Topic: What to see in Istanbul
Replies: 35
Views: 3341

Re: What to see in Istanbul

You'll visit the Hagia Sophia and Blue Mosque obviously so those need no recommendation, but if you're not mosqued-out also visit the Süleymaniye Mosque. It's the largest in the city and less crowded. I will say of the Hagia Sophia, standing under the dome and knowing that it was originally built al...
by jpsfranks
Mon Jan 19, 2015 9:27 pm
Forum: Personal Consumer Issues
Topic: T-mobile intrusive app
Replies: 1
Views: 522

Re: T-mobile intrusive app

It sounds like the site's domain name is no longer valid (i.e. if it was "foo.com", "foo.com" no longer points anywhere). When this happens some ISPs like to artificially resolve the invalid domain to send you to a search page instead of letting you get the normal browser error m...
by jpsfranks
Tue Dec 23, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: The bear market is over
Replies: 242
Views: 73840

Re: The bear market is over

pretty good call When this thread was started in September of 2008 the S&P 500 was well above 1200. It ultimately fell below 700 six months later and didn't rise back to the level of the OP until late 2010. I recall matt to be a savvy guy who was bearish going into the financial crisis so I'm s...
by jpsfranks
Thu Dec 18, 2014 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: myRA is now open
Replies: 37
Views: 5225

Re: myRA up and running, but worth it?

If I'm encouraging new investors to invest, then wouldn't I guide them towards a Roth IRA containing a stable, index mutual fund? What is a "stable" index fund? Stocks aren't for everyone all the time. The $15k limit seems problematic and cumbersome given that there are already annual con...
by jpsfranks
Fri Dec 12, 2014 8:47 pm
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 3871

Re: Comcast's XFINITIWIFI

If you don't use their voice service then just buy your own cable modem and router. In the long run it will be cheaper and they can't run any of their extra services on your hardware. If you do use them for voice I think you have to rent one of their all in one devices from which they broadcast this...
by jpsfranks
Mon Dec 08, 2014 12:17 pm
Forum: Personal Consumer Issues
Topic: T-mobile SIM cards
Replies: 3
Views: 613

Re: T-mobile SIM cards

I actually bought one of these a few weeks ago and transferred the credit to my account as described in the eBay listing. I had to talk to two separate customer service reps to find one who would do it though, so it seems to be a bit shady and there may be some risk of getting stuck holding the bag....
by jpsfranks
Mon Dec 08, 2014 10:26 am
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 50
Views: 10226

Re: Outdoor HDTV Antenna and DVR Setup

A used Tivo HD or 2-tuner Tivo "Premier" with lifetime service can be found for $2-300 and can tune OTA signals. A latest model "Roamio" will cost hundreds more with lifetime. For the Premier and Roamio, not all models have OTA tuners, oddly it's the more expensive ones that do n...
by jpsfranks
Fri Dec 05, 2014 4:12 am
Forum: Personal Consumer Issues
Topic: Unlocking iPhone 6
Replies: 31
Views: 3256

Re: Unlocking iPhone 6

There are various exploits for various phones to get SIM unlock and/or root, but that particular exploit is not common to all Android phones, so it's not as easy as saying carrier locked Android phones are always easily user unlockable and iPhones aren't. Interesting. Yes. I think that is how I did...
by jpsfranks
Thu Dec 04, 2014 12:47 pm
Forum: Personal Consumer Issues
Topic: Unlocking iPhone 6
Replies: 31
Views: 3256

Re: Unlocking iPhone 6

Are new iPhones difficult to unlock by the casual user? As I said, when I bought my Galaxy S3 almost 2 years ago, I unlocked it for free by following instructions in a youtube video. It took no more than five or ten minutes of my time. Assuming you use used steps like these , you unlocked your phon...
by jpsfranks
Fri Nov 07, 2014 12:28 pm
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 7120

Re: The Sky is Falling

I told myself that next time we were in a crazy stock bubble, I would realize it. Now I look at the crazy IPO's going on with companies that have no earnings or chance of earnings for a long time raising millions. I see my house price back up higher than it was in 2007. SP500 PE ratio at 20 vs 15 a...
by jpsfranks
Tue Nov 04, 2014 9:27 pm
Forum: Investing - Theory, News & General
Topic: 27 yr old reaches $1m net worth [Update: With lies.]
Replies: 56
Views: 14904

Re: 27 yr old reaches $1m net worth

His Roth balance looks very very high. At 5k limit even with 100% return over last 8 years given he contributed in down turn; 120k+ is very high number! It mentions that he contributed to the TSP, but it isn't itemized in the graphic, so maybe he did a rollover or they are sloppily mixing retiremen...
by jpsfranks
Sat Nov 01, 2014 11:26 am
Forum: Investing - Theory, News & General
Topic: Why does FSGDX have such a low yield compared to VTIAX?
Replies: 24
Views: 5314

Re: Why does FSGDX have such a low yield compared to VTIAX?

I believe FSGDX has no small caps, and I think international small caps have outperformed large caps over your charted period.
by jpsfranks
Thu Oct 30, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 13406

Re: Apple Pay, Google Wallet, credit, and us

CurrentC sounds like a clunky mess, but it's hard to fault retailers for being reluctant to sign on to Apple Pay. They have wanted to eliminate the swipe fee middle man forever, and now they are being asked to adopt a next gen payment system that not only cements credit cards but adds yet another mi...
by jpsfranks
Fri Oct 03, 2014 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 4168

Re: Fidelity Enhances Passwords

I just confirmed that my new password translated into characters on the telephone keypad no longer works when logging onto Fidelity.com. Previously, it did work. This means that Fidelity is no longer storing the hashed version of the password translated into telephone keypad digits for online acces...
by jpsfranks
Fri Oct 03, 2014 1:30 pm
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 22
Views: 3546

Re: Slingbox to "Wire" TV two floors away?

Thanks to all. Going to try slingbox + slingcatcher. I don't want to run wire up the side of a cedar-sided house with horizontal cedar siding. It's a nice house and the side in question is exposed to the street. You'll have to be careful here. The SlingCatcher was discontinued years ago and is I be...
by jpsfranks
Thu Oct 02, 2014 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 4168

Re: Fidelity Enhances Passwords

Does this mean they no longer support phone number password entry? They were previously converting chosen passwords to keypad digit form (i.e. just numeric, not alphanumeric) in order to support entry by touch tone phone. I don't imagine there is much demand for that anymore. http://www.bogleheads.o...
by jpsfranks
Wed Oct 01, 2014 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested Fidelity Indx funds for Solo 4O1K
Replies: 13
Views: 1392

Re: Suggested Fidelity Indx funds for Solo 4O1K

Thanks a lot! FSTVX and FSGDX, both have minimum of 1OK investment. I just deposited $5833$. An suggestion or just wait till next deposit? Just like Vanguard has "Admiral" and "Investor" shares, Fidelity has "Advantage" and "Investor" classes of its Spartan f...
by jpsfranks
Wed Oct 01, 2014 11:50 am
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 21872

Re: My 30-day trial experience with Betterment

So other than some emerging markets acquired years ago (which should have been harvested years ago) I don't see how any portfolio had much in the way of TLH opportunities. No algorithm no matter how fancy can harvest losses that don't exist. You got the emerging markets part correct, but no...
by jpsfranks
Wed Oct 01, 2014 10:14 am
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 21872

Re: My 30-day trial experience with Betterment

I don't think that's correct. When they established TLH a few months ago, all existing Betterment customers with portfolios over 50k could start using TLH. That means the cost basis for probably most of the people using TLH was established months or years ago. In other words, not everyone who is us...
by jpsfranks
Wed Oct 01, 2014 12:50 am
Forum: Investing - Theory, News & General
Topic: My 30-day trial experience with Betterment
Replies: 84
Views: 21872

Re: My 30-day trial experience with Betterment

By the way, there's a great article about the benefits of TLH algorithms over at the Mad Fientist: http://www.madfientist.com/moving-my-money-to-betterment/ According to Betterment, here's the actual dollar amounts of losses they harvested year-to-date: For accounts >50k but <100k, average harveste...
by jpsfranks
Sat Sep 27, 2014 4:20 pm
Forum: Personal Consumer Issues
Topic: "Shellshock" vulnerability for Linux based systems
Replies: 61
Views: 4890

Re: "Shellshock" vulnerability for Linux based systems

For my Linux desktop, I'm applying updates as they appear in the repositories. The third one came in this morning. But since I'm not running any servers that are visible to the internet, the chances of it being a problem for my system are fairly low. The bigger worry is that web sites I use might b...
by jpsfranks
Sun Sep 21, 2014 11:39 pm
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 2231

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

I believe these deals require you to at least be a postpaid customer so I don't think you can walk in and trade an old iPhone for credit towards a retail phone without at least having contact service with the carrier. If I'm wrong please correct me as I have an old iPhone 4 lying around that I've be...
by jpsfranks
Sun Sep 21, 2014 11:30 am
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 167
Views: 18964

Re: AliBaba

Could you explain to a 6year old how Enron made money? No. Hence, don't buy. If that's the criteria, I think I would have an easier time trying to explain to a six year old how Enron (supposedly) made money than I would Alibaba. Alibaba has many subsidiaries engaged in many different businesses. Fo...
by jpsfranks
Sun Aug 10, 2014 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity's Spartan Global ex U.S. Index Fund - good choice?
Replies: 15
Views: 5326

Re: Fidelity's Spartan Global ex U.S. Index Fund - good choi

https://www.google.com/finance?q=FSGDX Google finance says the last distribution was in December and it was .13%. The year before that it was .05% Here's the distribution history: m Compare this to VTIAX which has about a 2.5-3% yield. The Google Finance data in your first link does not match your ...
by jpsfranks
Wed Jul 16, 2014 7:58 am
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 12209

Re: Millennials (with jobs) are super-saving their retiremen

I'm never quite sure what these generation labels mean. I was born in '81 so if I'm a millenial I'm near the oldest end of it. Among those working profesionally with decent incomes, I've anecdotally observed an interesting difference between those around my age (mid 30s) and those in their mid 20s. ...
by jpsfranks
Mon Feb 24, 2014 5:14 pm
Forum: Personal Consumer Issues
Topic: Best Stereo Headphones under $100
Replies: 33
Views: 2855

Re: Best Stereo Headphones under $100

Another vote for the MDR-v6 (or 7506).

I'm not an audiophile by any means but they sound great to me. I've had the same pair for 15 years with almost daily use.
by jpsfranks
Thu Feb 20, 2014 11:51 pm
Forum: Investing - Theory, News & General
Topic: $16 Billion for WhatsApp?!?!?!
Replies: 51
Views: 5178

Re: $16 Billion for WhatsApp?!?!?!

WhatsApp with that?!? I really just don't get it. I currently use iPhone's own native app, iMessage, along with millions other users. Why would I need anything else? Or is this for "the other people" who don't drink the Apple flavored Kool-aid? Cosmo iMessage is great if everybody you wan...
by jpsfranks
Wed Feb 19, 2014 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 18458

Re: Skip IRA for 1 year to buy engagement ring

StormShadow wrote:Boglehead alternative to the engagement ring? A used copy of Atlas Shrugged.

:shock: Let us know how well that works out for you.
by jpsfranks
Wed Feb 19, 2014 3:46 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 24991

Re: Bitcoin price plunges

The Bitcoin exchanges have the added messy responsibility of actually getting money to and from bank accounts. When you or I buy a stock, it's through our brokerage, and it's up to the brokerage to actually make sure their customers have the money needed to fulfill an order. Most people probably are...
by jpsfranks
Mon Feb 17, 2014 9:13 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 24991

Re: Bitcoin price plunges

I wonder how much value people have tied up in this "currency?" m says there are about 12.4 million bitcoins. If you value them at the BitStamp price that is about 7.9 trillion USD. If you value them at the MtGox price it is only 3.2 trillion USD. Ron Billion, rather than trillion (short ...
by jpsfranks
Wed Feb 12, 2014 10:33 pm
Forum: Personal Consumer Issues
Topic: Brightspot OR $30/unlimited web/text/100 min. from T-Mobile.
Replies: 26
Views: 4890

Re: Target's Brightspot from T-Mobile.

What's the penalty for going over? a cost or no service? After using your 100 minutes additional minutes are charged from your prepaid balance at $.10/minute (i.e. $10 for an extra 100 minutes). As long as you have the necessary funds prepaid you will be fine. I used to use various means of circumv...
by jpsfranks
Mon Feb 10, 2014 3:56 am
Forum: Personal Consumer Issues
Topic: .....
Replies: 64
Views: 7759

Re: Less Obvious Travel Spots

pinecrest wrote:When I pictured Colomia, I definitely never pictured anything like this. :D

I am 99% sure that that is in fact Machu Picchu.
by jpsfranks
Sun Feb 09, 2014 9:15 pm
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 74
Views: 10268

Re: Seattle as a place to live?

Guess who legalized marijuana first? The city of Denver did back in 2008 long before the State of Colorado or the State of Washington did so. I know that's only one example, but kind of goes to show, right? I'm not sure why I care about defending Seattle's marijuana bona fides, but if you're referr...
by jpsfranks
Tue Feb 04, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 74
Views: 10268

Re: Seattle as a place to live?

Guess who legalized marijuana first? The city of Denver did back in 2008 long before the State of Colorado or the State of Washington did so. I know that's only one example, but kind of goes to show, right? I'm not sure why I care about defending Seattle's marijuana bona fides, but if you're referr...
by jpsfranks
Sun Feb 02, 2014 1:30 pm
Forum: Investing - Theory, News & General
Topic: 401(k) risk
Replies: 22
Views: 2825

Re: 401(k) risk

It's sounds as though this situation has finally been resolved. m Whereas the previous article lays a lot of the blame on government bureaucracy, the version in the update makes the plan trustee sound much shadier. The following is an interesting tidbit: The fees went to the overseers of the plan — ...
by jpsfranks
Wed Jan 29, 2014 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: First Tech Fed CU HSA
Replies: 2
Views: 419

Re: First Tech Fed CU HSA

I have my HSA there. I opened it less than a year ago so with only a few thousand in it at the moment I am more concerned about avoiding fees than investment options. First Tech fits the bill on that front, and 1.00% interest is sadly respectable in today's environment.
by jpsfranks
Sun Jan 26, 2014 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: [What is] wrong with Treasury Direct website?
Replies: 79
Views: 9386

Re: [What is] wrong with Treasury Direct website?

As a data point, I signed on to Treasury Direct on Saturday, using Chrome on Linux, and set up my 2014 purchase without any difficulty. It still remembered me from a previous visit, so I didn't need a pass code. I had the same experience. Signed on this morning using Chrome and made my 2014 purchas...
by jpsfranks
Fri Jan 10, 2014 3:31 pm
Forum: Personal Consumer Issues
Topic: Target Breach, Updated
Replies: 52
Views: 5613

Re: Target Breach, Updated

I was pretty sure that the breach was larger than they had initially reported. I have a Chase credit card that I have used only 4 times, and haven't used in six months. One of those four purchases was at Target in December of 2012. In December of 2013 Chase alerted me to a suspicious charge and issu...
by jpsfranks
Sun Jun 16, 2013 11:04 pm
Forum: Personal Consumer Issues
Topic: Buy Nexus 4? Or wait for Nexus 5?
Replies: 54
Views: 7822

Re: Buy Nexus 4? Or wait for Nexus 5?

Nexus phones can definitely tether out of the box, no rooting required. Tethering is built into Android, but it is typically removed by the carriers on the phones they sell. Since the Android on a Nexus is straight from Google, they have tethering intact. It looks like the S3 you bought is an AT&am...
by jpsfranks
Sun Jun 16, 2013 10:56 am
Forum: Personal Consumer Issues
Topic: Buy Nexus 4? Or wait for Nexus 5?
Replies: 54
Views: 7822

Re: Buy Nexus 4? Or wait for Nexus 5?

A big advantage that I see to the Samsung Galaxy S3 over the Nexus 4, from what I have read, is its ability to read off an external drive (or thumb drive) WITHOUT rooting (it just requires a cheap cable connection), downloading software, risking voiding any warranty, and most of all, carrying a sep...
by jpsfranks
Sat Jun 15, 2013 2:21 am
Forum: Personal Consumer Issues
Topic: Buy Nexus 4? Or wait for Nexus 5?
Replies: 54
Views: 7822

Re: Buy Nexus 4? Or wait for Nexus 5?

I am on my second Nexus 4 (sadly I left the first in the back seat of a taxi while overseas). If you absolutely must have all your media on the phone, then you should get something else with more internal memory and/or a micro SD card slot. For everyone else on a GSM provider (ATT, T-Mobile, and the...
by jpsfranks
Wed Apr 24, 2013 8:12 pm
Forum: Personal Consumer Issues
Topic: Switching iPhone to Android...PITA?
Replies: 55
Views: 3548

Re: Switching iPhone to Android...PITA?

I'd note that my wife's ~2-year old iPhone doesn't support Facetalk, so it apparently doesn't qualify to get updated to the latest iOS software. Based on that, it appears that Apple doesn't keep their older equipment updated either. By "Facetalk" I assume you mean Facetime, Apple's videot...
by jpsfranks
Sun Apr 21, 2013 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: 529 losses & deduction
Replies: 9
Views: 1647

Re: 529 losses & deduction

I'll bump your thread by asking perhaps a stupid question. Are you sure about those losses? $100k seems like an awfully large loss within a 529 with stocks trading around nominal highs. Is it possible the cost basis information did not transfer accurately between Fidelity and Vanguard?