Search found 286 matches

by pyld76
Wed Apr 15, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 112
Views: 10424

Re: Airline refusing to issue refunds

Colleague had United flights booked which they cancelled and they fought him about the refund. He disputed the charge with Amex. They (Amex) refunded it. And it held over a statement cycle, so we believe Ia lost the conversation with Amex. Our corporate travel folks supposedly had a conversation wit...
by pyld76
Sat Feb 15, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Fidelity's new Zero funds
Replies: 36
Views: 3554

Re: Thoughts on Fidelity's new Zero funds

Im noticing trend here, why the trend towards etfs for taxable accounts? They are far more portable and far less likely than any traditional index fund save Vanguard’s (who uses the etf share class to dispose of capital gains) to pay out capital gains. I use Fido’s zero funds in tax deferred or she...
by pyld76
Sat Feb 15, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: AT&T landline versus VOIP
Replies: 26
Views: 1773

Re: AT&T landline versus VOIP

The reason phone companies are removing copper is not eally about maintenance. Popular myth. Fiber is, in many respects, more difficult to maintain than copper. They do it because in most states, they have strongly regulated tariffs and regulations on service and price for traditional landline (copp...
by pyld76
Sat Feb 15, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity is late with 1099
Replies: 49
Views: 4414

Re: Fidelity is late with 1099

Substitute "Vanguard" for "Fidelity" and this thread would have 100 comments about how Vanguard is such a horrible brokerage, and many a pitchfork would be sharpened, many a torch set alight. :twisted: I’ll tell you why that is. Today is the day when Fido told me they’d have me my 1099 (consolidate...
by pyld76
Sat Jan 25, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: HSA receipts
Replies: 64
Views: 3695

Re: HSA receipts

Have to admit that my lack of trust in myself to save the documentation for decades is why I shamefully pay for current medical expenses from the HSA, despite having the financial resources to pay them out of pocket.
by pyld76
Sat Jan 25, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Google Voice number- no privacy with personal info??
Replies: 26
Views: 2107

Re: Google Voice number- no privacy with personal info??

So, I have a Google Voice number that I use on rare occasions when I don't want to expose my personal phone number or name. (I'm not referencing nefarious situations, but there are times when I don't want to be added to a phone number or name list.) I googled my google voice number the other day, a...
by pyld76
Sat Jan 25, 2020 12:45 pm
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 113
Views: 5781

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

01-02 takeaway was that staying the course works, but simultaneously that fixed income has a place in my accumulation portfolio.

07-08 made me significantly rethink savings rate and almost any other measure to combat sequence of returns risk.
by pyld76
Wed Jan 22, 2020 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Which areas have the highest median household income to lowest median home price ratio?
Replies: 26
Views: 2897

Re: Which areas have the highest median household income to lowest median home price ratio?

https://www.citylab.com/equity/2018/05/where-the-house-price-to-income-ratio-is-most-out-of-whack/561404/ I feel that this ratio is a good indicator to show how “rich” people actually feel for a given metro area. I'm not sure I agree with this. I don't think people overall in Youngstown, OH feel mo...
by pyld76
Wed Jan 22, 2020 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on moving to Pennsylvania
Replies: 53
Views: 4338

Re: Advice on moving to Pennsylvania

It appears that I will be moving from a no-income-tax state in the southeast up to Pennsylvania this year. A little background: I will likely be getting married this year (I am moving for my partner, but we don't currently know when we'll tie the knot). No kids yet, but that could happen at some po...
by pyld76
Mon Jan 20, 2020 12:56 pm
Forum: Personal Investments
Topic: Short/Intermediate Bond Fund in Retirement?
Replies: 5
Views: 971

Re: Short/Intermediate Bond Fund in Retirement?

Entering retirement now and looking for a place to stash three to five year money at Fidelity. Would a short-to-intermediate term bond fund be most appropriate for this purpose? Already have quite a bit sitting in a high yield savings account and of course, equity funds for long term growth. Thank ...
by pyld76
Mon Jan 20, 2020 12:41 pm
Forum: Personal Investments
Topic: New Here Fidelity or Vanguard
Replies: 115
Views: 7149

Re: New Here Fidelity or Vanguard

Vanguard is good at low cost financial products and bad at just about everything to do with having custody of them for retail clients. Unless you want: 1. Traditional index funds in a taxable account (and by this, I mean that for whatever reasons, can't/won't hold ETFs) or 2. The very best MM yields...
by pyld76
Mon Jan 20, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone been able to execute a Power of Attorney with Vanguard?
Replies: 66
Views: 6941

Re: Has anyone been able to execute a Power of Attorney with Vanguard?

Why don't people like Vanguard's agent authorization form? Because the state they "live" in and at least a couple of the folks who have had difficulty getting them to accept a POA from has a very specific law which says that VG must take the attorney drafted document. I have some exposure to this, ...
by pyld76
Sat Jan 11, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers Expense Ratios on 56 Funds
Replies: 73
Views: 7668

Re: Vanguard Lowers Expense Ratios on 56 Funds

By cutting the fees on ETFs, VG makes their products more competitive on platforms where for zero direct trading costs, one can choose between VTI, SCHB, and ITOT. And, if they do want to push folks towards ETFs or feel this is where the market is going they have to take this approach, because thei...
by pyld76
Wed Jan 01, 2020 11:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers Expense Ratios on 56 Funds
Replies: 73
Views: 7668

Re: Vanguard Lowers Expense Ratios on 56 Funds

I think some of this is adapting to the new reality of zero trade commissions. By cutting the fees on ETFs, VG makes their products more competitive on platforms where for zero direct trading costs, one can choose between VTI, SCHB, and ITOT. And, if they do want to push folks towards ETFs or feel t...
by pyld76
Fri Dec 20, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017
Replies: 66
Views: 3567

Re: Quicken 2017

I'm amazed there isn't a better off-line (non-cloud) option out there. There will never be one, there is no demand. Just a couple million 50+ year olds who don't like Mint and the other various Cloud-based solutions. Or, the ones under 50 who have thought the ramifications of "cloud based solutions...
by pyld76
Sat Nov 16, 2019 7:05 pm
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 3393

Re: Questions about Fidelity Charitable DAF

The DAF (fidelity charitable) cuts a check the the charity. They don’t give you a checkbook because once you donate the money/security/asset to the DAF, it is owned by the DAF. It is fidelity charitable’s money, not yours. You then recommend grants to a particular charity. Fido charitable cuts the ...
by pyld76
Sat Nov 16, 2019 9:53 am
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 3393

Re: Questions about Fidelity Charitable DAF

Who actually writes a donation check from DAF? Does DAF give you a check book? If DAF issues a donation check directly, how does it know the recipient is an eligible charitable organization? The DAF (fidelity charitable) cuts a check the the charity. They don’t give you a checkbook because once you...
by pyld76
Thu Nov 14, 2019 8:52 pm
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 3393

Re: Questions about Fidelity Charitable DAF

This is a point I had not considered. Not much of a gala/silent auction type, however: - Do the T-shirts for walks/runs count as more than incidentals? - At what point does something count as more than incidental? - If you buy a table for an event, if the charity will allow it, can you stay out of ...
by pyld76
Thu Nov 14, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86520

Re: Best CD rates thread

Saw on depositaccounts and psecu website new rates: RATE CHANGE... new PSECU CD rates effective 5pm Eastern Time 11/9/19. 2yr @ 2.00% APY, 3yr @2.25% APY, 4yr @ 2.40% APY, 5yr @ 2.55% APY I guess I will be sending my ira funds back to vanguard. I don't understand. Didn't they say they would hold th...
by pyld76
Thu Nov 14, 2019 8:33 pm
Forum: Personal Investments
Topic: After tax 401k worth
Replies: 30
Views: 2125

Re: After tax 401k worth

Have an after tax 401k. Don’t have a Roth 401k in my plan. Have a 5% HCE limit on the after tax. I max it. If you have filled all the pre-tax buckets (401k, HSA) it is a no-brainer. Allows you to get money above beyond the 6k you can backdoor into a Roth. I’ve favored it “over” taxable since it beca...
by pyld76
Tue Nov 12, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2784

Re: Tech guys need help with Mesh wifi booster...

What's backhaul? You have an access point providing signal to, say, your telephone. When traffic hits the access point, it is "backhauled" to your router (and thus, presumably, the internet). That can be done wired (usually wired ethernet) or wirelessly (how wireless mesh systems do it, with a diff...
by pyld76
Tue Nov 12, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86520

Re: Best CD rates thread

For those of us who have been members there for awhile, there are a number of recent reasons to question PSECU. Would you care to color that comment with more specifics? Sure. They had an IT upgrade where they took old mainframe systems and replatform/refactored to something born this century. It w...
by pyld76
Mon Nov 11, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: The lifestyle of an IT Independent Contractor?
Replies: 6
Views: 1265

Re: The lifestyle of an IT Independent Contractor?

Worked my entire career in IT as W2 but alongside many 1099 contractors. I think a distinction has to be made between a contractor - who really is just a body hired to throw onto a project and a consultant - who is hired specifically for their subject matter expertise to guide the organization. Con...
by pyld76
Mon Nov 11, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2784

Re: Tech guys need help with Mesh wifi booster...

I wouldn't monkey around with mesh, just use ethernet over AC and you'll have rock-solid service. Without knowing the state of the OP's home electrical wiring plant, that statement has a 1 in X (with X being unkown) chance of being true. Do that on old knob/tube serialized wiring? You might, might ...
by pyld76
Mon Nov 11, 2019 11:09 am
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 3393

Re: Questions about Fidelity Charitable DAF

For those that have a DAF, is Fidelity's the lowest cost at $100/year for up to $16.6k in assets? For those that have a Fidelity DAF: 1. Can you move assets from your taxable to the DAF online or do you have to call them or fax them? If you are moving assets from a Fidelity brokerage account, it ca...
by pyld76
Mon Nov 11, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86520

Re: Best CD rates thread

Saw on depositaccounts and psecu website new rates: RATE CHANGE... new PSECU CD rates effective 5pm Eastern Time 11/9/19. 2yr @ 2.00% APY, 3yr @2.25% APY, 4yr @ 2.40% APY, 5yr @ 2.55% APY I guess I will be sending my ira funds back to vanguard. I don't understand. Didn't they say they would hold th...
by pyld76
Mon Nov 11, 2019 10:18 am
Forum: Personal Investments
Topic: Coverting mutual fund shares to ETFs at Vanguard
Replies: 1
Views: 318

Re: Coverting mutual fund shares to ETFs at Vanguard

Make very sure you have good records for the non-covered shares. Before I did find to ETF conversions I made sure I had the statements (for the non-covered purchases) along with the spreadsheet I keep with purchase dates and basis. Even for the covered stuff—I had statements and my own documentation...
by pyld76
Sun Nov 10, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: RSS Reader Question
Replies: 12
Views: 945

Re: RSS Reader Question

Feedly. And I curse google for discontinuing reader.
by pyld76
Sun Nov 10, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86520

Re: Best CD rates thread

How would I know if the promo rate is honored for me? My money is in flight and should be there on Monday or Tuesday. However, if I try now to open a CD account (even if I have less than $500 in there), nowhere on the page it specifies what my rate will be, it just asks me for the duration. I haven...
by pyld76
Sun Nov 10, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86520

Re: Best CD rates thread

So, just by dint of explanation: when I asked PSECU about the ability to add to a certificate years ago, it is set up the way it is because they expected people to put in some portion of money at every pay. They didn’t design the process in a way to account for how folks might keep topping up a good...
by pyld76
Sat Nov 09, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 11399

Re: Seller's agent not letting us use a buyer's agent

Have your agent make the offer. The seller’s agent has to relay it to the seller. If the seller wants to sell the house and your offer is right, the selling agent will get over it, work it out with your agent on fees, or decide that 0 dollars is better than 3. Ultimately, on a 100 day listing, I’ll ...
by pyld76
Sat Nov 09, 2019 2:00 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard
Replies: 54
Views: 8364

Re: Fidelity vs Vanguard

I’ve have both. Everything save my money market holdings is now with fidelity. A short analysis would go like this: 1. If you absolutely must hold mutual funds (traditional) in a taxable account, prefer Vanguard. Their mutual funds benefit from the heartbeat trades of their ETF share classes in such...
by pyld76
Sat Nov 09, 2019 1:44 pm
Forum: Personal Investments
Topic: Where should I open 529? In Pa
Replies: 22
Views: 2011

Re: Where should I open 529? In Pa

Is it safe to assume you fully trust these folks? It wouldn’t be worth a small increase in ER if this wouldn’t be an option. But switching around age 16-17 appears to be the perfect plan. I’d like to do the same. Trust whom? Fidelity? If they were to “screw” folks and jack the ER up or commit anoth...
by pyld76
Sat Nov 09, 2019 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86520

Re: Best CD rates thread

When I was told the offer was going to be extended until Nov 30th (by more than one PSECU CSR, by the way - in fact, I was told by at least one long-tenured CSR that she had never seen PSECU early terminate a promotional CD rate) I suspect the difference is that PSECU recently opened membership to ...
by pyld76
Sun Nov 03, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 40
Views: 9144

Re: Investing in Vanguard funds via Fidelity

Cash wrote:
Sat Nov 02, 2019 3:07 pm
Has anyone ever tried calling Fidelity to see if they can get access to “advisor only” funds? VTWAX is still not available to retail investors. Yes, I know I can purchase VT for free.
You answered your own question.

In a zero commission world, buy the ETF and move on.
by pyld76
Sun Nov 03, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Workplace PIP - Next Steps?
Replies: 20
Views: 2010

Re: Workplace PIP - Next Steps?

Next step is to spend the next 90 looking for work. Most folks at mymegacorp are, by policy, given a choice of a very generous severance at the onset of a PIP. Here’s a nice package and some benefits: you can take it and walk or try to meet the requirements of the PIP. In 20 years, I am ware of mayb...
by pyld76
Sun Nov 03, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Networking Equipment Question
Replies: 12
Views: 928

Re: Networking Equipment Question

Orbi is consumer gear. For the application you describe, Ubiquiti's Unifi with Ethernet backhaul is the way to go. Do it right or do it again later. https://arstechnica.com/gadgets/2015/10/review-ubiquiti-unifi-made-me-realize-how-terrible-consumer-wi-fi-gear-is/ Ubiquiti’s current firmware situati...
by pyld76
Sun Nov 03, 2019 10:50 am
Forum: Personal Investments
Topic: Where should I open 529? In Pa
Replies: 22
Views: 2011

Re: Where should I open 529? In Pa

Is it safe to assume you fully trust these folks? It wouldn’t be worth a small increase in ER if this wouldn’t be an option. But switching around age 16-17 appears to be the perfect plan. I’d like to do the same. Trust whom? Fidelity? If they were to “screw” folks and jack the ER up or commit anoth...
by pyld76
Thu Oct 31, 2019 10:12 pm
Forum: Personal Investments
Topic: Where should I open 529? In Pa
Replies: 22
Views: 2011

Re: Where should I open 529? In Pa

In PA, the fidelity NH 529 is cheap (at one point it was like a basis point cheaper than VG and slightly more than NY) and a good option. Remember that you’ll want to repatriate the funds to the PA plan prior to applying for aid since out of state 529s are counted against assets for Pa state aid pur...
by pyld76
Mon Oct 28, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi Calling on AT&T
Replies: 17
Views: 1386

Re: Wi-Fi Calling on AT&T

I have to have it on for calls inside my house, I don't see any particular downside on leaving it on all the time - with one exception. When traveling abroad, which I do often for work, I use the international day pass. I don't know if they changed it recently, but if you make a call with wifi call...
by pyld76
Mon Oct 28, 2019 9:18 am
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 12865

Re: Inside Fisher Investments

So...say I'm 'unwoke'. I know the rules have changed, but I don't support it, and would like to push back against it if possible. My thought is: there is going to be a lot of push for 'diversity' and so on. This does not benefit the bottom line, as it is based on ideology rather than finance. Does ...
by pyld76
Sun Oct 27, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity HSA: VTI or FSKAX
Replies: 3
Views: 844

Re: Fidelity HSA: VTI or FSKAX

Use the fidelity zero funds in the HSA. I use blackrock and vanguard ETFs in taxable. One of the interesting aspects of using the Fido zero funds is that any ETF you buy in taxable isn’t going to track the same index which puts tax loss harvesting considerations to rest. (And if the fidelity zero st...
by pyld76
Sun Oct 27, 2019 10:58 am
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3556

Re: Best Single Entity for Investments + Cash + Banking

She can’t. Too much of fidelity profit is from cash. Got a source for that? I’m unaware they break that out anywhere and would be fascinated to read it. That’s a charge usually leveled at Schwab, who pays like what, 20bps on sweep? Fido is maybe 20-30bps off vanguard already, miles less profitable ...
by pyld76
Sun Oct 27, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: JEDI contract
Replies: 26
Views: 2868

Re: JEDI contract

Thanks for all the insights above. I did not know that MSFT is building things better for Enterprise / .gov. An eye opener for me. But whatever MSFT / AMZN build for .gov which will a very secure VPC, custom made, much different from the regular public cloud. About the protests /appeals, I think th...
by pyld76
Sat Oct 26, 2019 8:46 pm
Forum: Investing - Theory, News & General
Topic: JEDI contract
Replies: 26
Views: 2868

Re: JEDI contract

Nice to know a different perspective, @MindBogler and @pyld76 But how is AWS already in DoD in other entities going strong ? Largely because they enjoyed a first mover advantage and they got in before the really huge consolidated procurement stuff started in earnest. And Bezos, not being stupid, is...
by pyld76
Sat Oct 26, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: JEDI contract
Replies: 26
Views: 2868

Re: JEDI contract

I am a cloud engineer, and I know from features perspective, AWS is well ahead of Azure, the market share also proves that. So, it was surprising to me. The feature part is true. Not by much. The market share bit is true because AWS had the first mover advantage. Not because it is better or worse. ...
by pyld76
Sat Oct 26, 2019 11:41 am
Forum: Personal Investments
Topic: Best Single Entity for Investments + Cash + Banking
Replies: 39
Views: 3556

Re: Best Single Entity for Investments + Cash + Banking

I'd like to simplify and hold all my accounts with one entity: ETF's, Stocks, cash reserves, plus do my banking with that same entity, bill pay, auto deposit from W2 job, etc. If I get hit by a bus (as they say), wife can log into 1 place and have easy access to it all; plus easier reconciliation a...
by pyld76
Sat Oct 26, 2019 11:31 am
Forum: Personal Investments
Topic: Dipping Below Vanguard Fund Minimums?
Replies: 8
Views: 1356

Re: Dipping Below Vanguard Fund Minimums?

Or, move to a custodian with zero minimums. Fidelity comes to mind. Failing that, buy the ETF share classes or what you want to add between 20 and 150 or so dollars at a time. I really think the 3k minimum thing is a competitive disadvantage to VG at this point which outweighs the cost savings they ...
by pyld76
Fri Oct 25, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: Inside Fisher Investments
Replies: 123
Views: 12865

Re: Inside Fisher Investments

P & I today: Los Angeles Fire & Police ended Fisher Investments' $551 million active international equity allocation over founder Ken Fisher's comments. https://www.pionline.com/pension-funds/ (pay wall) Yes it's just dogpiling & herd mentality at this point. I guarantee a mass hysteria will also f...
by pyld76
Wed Oct 23, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Not Reinvesting Dividends and Cap Gains
Replies: 7
Views: 970

Re: Not Reinvesting Dividends and Cap Gains

The advice to not automatically reinvest capital gains has always been a function of two solid reasons and a few lesser ones: 1. It can generate a wash sale if you have them happen automatically during the two 30 day windows you have to watch. 2. You’ll likely have a lot of “small” tax lots. The wik...