Search found 1514 matches

by Ice-9
Thu Sep 19, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 shaking up savings accounts
Replies: 61
Views: 23548

Capital One 360 shaking up savings accounts

Capital One 360 is the current online bank that formerly was ING Direct before Capital One took over their US business. Capital One 360 Savings Accounts no longer earn a competitive rate - just 1.0%. They have for at least a couple of years offered a Money Market Savings Account that does offer a co...
by Ice-9
Mon Sep 16, 2019 3:20 pm
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2363

Re: Should I change i-bonds -> stocks?

Can someone please explain where the 2.83% comes from, for April 2019? When I look at the rate table for I-bonds at Treasury Direct, all I see is 1.9% for bonds purchased in 2019. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#compositerate It comes from ...
by Ice-9
Mon Sep 16, 2019 9:47 am
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2363

Re: Should I change i-bonds -> stocks?

I want to ask you how long it usually takes to redeem an i-bond from treasury direct? The current interest rates and tax treatment makes i-bonds look better to me than Vanguard's federal mm. Is it a good idea for me to take 10k of that 35k and buy i-bonds right now? For me, it's always been next bu...
by Ice-9
Sun Sep 15, 2019 9:01 pm
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2363

Re: Should I change i-bonds -> stocks?

If you have some of the 0.5% fixed rate bonds from the last ten months, that might make a nice emergency fund for you after it ages past the initial year in which you can't withdraw. With that, your emergency fund would: * be tax-deferred until you redeem it, up to 30 yrs * when you did redeem, int...
by Ice-9
Fri Sep 13, 2019 12:13 pm
Forum: Personal Investments
Topic: Should I change i-bonds -> stocks?
Replies: 20
Views: 2363

Re: Should I change i-bonds -> stocks?

If you have some of the 0.5% fixed rate bonds from the last ten months, that might make a nice emergency fund for you after it ages past the initial year in which you can't withdraw. With that, your emergency fund would: * be tax-deferred until you redeem it, up to 30 yrs * when you did redeem, inte...
by Ice-9
Tue Sep 10, 2019 11:32 am
Forum: Investing - Theory, News & General
Topic: is real estate dead as a diversifier?
Replies: 52
Views: 6595

Re: is real estate dead as a diversifier?

Assuming you mean is it a good diversifier against US Stocks, I don't see why not. A home value logically shouldn't vary with the value of the stock market. If you're asking specifically about REIT index funds, the Portfolio Visualizer website lists a 0.58 US Market correlation for VGSIX, which seem...
by Ice-9
Mon Sep 09, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: Passive in Name Only
Replies: 4
Views: 863

Re: Passive in Name Only

Well, only 21% of my portfolio is in a comparable index, and that is actually the Fidelity Zero Large Cap index, so maybe that counts in the bad category created by the fund company, though certainly it does not have higher expense ratios per the complaint of the OP. The rest of my portfolio is in s...
by Ice-9
Mon Sep 09, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Equifax breach settlement update?
Replies: 49
Views: 4868

Re: Equifax breach settlement update?

I already use Credit Karma. I signed up for what was originally billed as $125 plus three hours of work involved dealing with the breach, researching it here and elsewhere, freezing credit, checking credit reports. I had read a blog saying the settlement would be $25 per hour for this (up to 10 hrs ...
by Ice-9
Sat Sep 07, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9537

Re: BofA ShopSafe going away

I have an old B of A card I never use and was not aware of ShopSafe until this thread. It sounds like it was a way to use virtual online account numbers? Assuming I have that correct, I've used a combo of Capital One's Eno and Paypal for that purpose. I also have a Citi card and am aware they offer ...
by Ice-9
Thu Sep 05, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at Capital One
Replies: 9
Views: 1372

Re: Zelle at Capital One

...I do know the savings account at Ally earns higher interest than the savings account at Capital One 360, but ACH transactions are much slower at Ally. [/b] For some. I get next day ACH from Ally. Good point. I edited my post to say "recurring ACH transactions are much slower." I just t...
by Ice-9
Tue Sep 03, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at Capital One
Replies: 9
Views: 1372

Re: Zelle at Capital One

I can verify that with the Capital One app, you can login using your thumbprint on an iPhone 7 Plus and use Zelle. After some initial confusion about Capital One's implementation of Zelle, I am happy with it. The first time you send money with Zelle to a specific recipient, it may take up to three d...
by Ice-9
Tue Sep 03, 2019 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Best way to collaborate on net worth/retirement goals?
Replies: 16
Views: 1990

Re: Best way to collaborate on net worth/retirement goals?

It sounds like you're looking specifically for an online tool, and Personal Capital that you already mentioned fits the bill. What WE do: I enjoy reading about investing and have set up a target allocation across many accounts that includes eight asset classes. My wife does not share my interest in ...
by Ice-9
Thu Aug 29, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Index Funds Bubble? [Michael Burry article]
Replies: 254
Views: 34943

Re: Index Funds Bubble?

I wouldn't mind if he was right that there's an opportunity in smaller caps right now, because I overweight small caps VIA INDEX FUNDS. My portfolio is 21% Fidelity Zero Large Cap Index and 14% Fidelity Zero Extended Market Index and thus holds more than the market weight of mid and small cap domest...
by Ice-9
Tue Aug 27, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1939

Re: Zelle at non-participating Bank/CU

Popmoney charges the sender $1 every transaction. I don’t think this is true anymore, at least according to my CU. Still listing a charge on their website: https://www.popmoney.com/how-it-works.html Straightforward pricing Flat $0.95 per transaction to use it here at Popmoney.com Maybe some CUs and...
by Ice-9
Tue Aug 27, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Zelle at non-participating Bank/CU
Replies: 24
Views: 1939

Re: Zelle at non-participating Bank/CU

Popmoney is not on par with Zelle, Venmo, Cash App, or even Google Pay / Apple Pay. Popmoney charges the sender $1 every transaction. All of the other above options are free unless the recipient decides to pay extra for an instant transfer to their bank account (and instant is actually free for both...
by Ice-9
Mon Aug 26, 2019 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital and Capital One
Replies: 5
Views: 1255

Re: Personal Capital and Capital One

Capital One used to ask me for the 2FA codes every time I logged into Personal Capital, but lately it's been more like once every two weeks or so. Not a big deal. I have other sites on Personal Capital that ask for the 2FA every single time. Gotta do what you gotta do, not that big of a sacrifice in...
by Ice-9
Fri Aug 23, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 9334

Re: Do you sacrifice to save?

My percentage saved from gross has varied greatly over time. When I was single and renting in my thirties was my "biggest sacrifice" period, close to 40% of gross saved most years. However, it didn't feel like I was sacrificing, even though I was watching a lot of my peers spend more money...
by Ice-9
Fri Aug 23, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance?
Replies: 26
Views: 1689

Re: Pet Insurance?

I read a similar thread on pet insurance vs saving in a dedicated account back when we got our dog back in 2008. In the recent past at that time, online savings accounts had been paying as high as 5% interest. We opted to give the dog his own subaccount at ING Direct and automatically send a small a...
by Ice-9
Tue Aug 20, 2019 4:09 pm
Forum: Personal Investments
Topic: Fidelity REITs
Replies: 21
Views: 4493

Re: Fidelity REITs

Late to the thread, but echoing the posts above... I'd held the ETF from Fidelity FREL for a few years in my BrokerageLink account until last year, when Fidelity made the big index fund changes to better compete with Vanguard. On their promotional chart I saw FSRNX with an ER of 0.070% and quickly s...
by Ice-9
Tue Aug 20, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 142
Views: 12414

Re: Ponder this, BH's... is Ben & Jerry's worth it?

Ice cream is something (1) I like but (2) I readily recognize is easy to abuse. Therefore, my ice cream policy is as follows. Only eat ice cream: (a) if out and about and it's convenient and fun to get a single portion at an ice cream (or frozen yogurt) place - often a "kid's size cone" or...
by Ice-9
Wed Aug 14, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 6381

Re: Do you "lock" computers in your home?

I realize I'm probably not the norm. I only access financial or other sensitive accounts via: * encrypted Linux virtual machine or, more recent option added: * Chromebook login specifically for financial accounts My LastPass is set up only in these two places. On my Mac, which otherwise is not set t...
by Ice-9
Tue Aug 13, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 5645

Re: Ideas for Little Charges to keep Cards active

On most of them, I need activity every once in while to keep the card issuer off my back as far as shrinking the credit line or closing the account. I've never had a credit card company do this. Same here. This is good to hear. Maybe it is a very rare occurrence... It's not a rare occurrence. If yo...
by Ice-9
Mon Aug 12, 2019 4:19 pm
Forum: Personal Investments
Topic: Should Bonds be removed from Asset Allocation
Replies: 49
Views: 3980

Re: Should Bonds be removed from Asset Allocation

I believe in sticking to broad market index funds for equities. But with fixed income, as long as I stay in the universe of "sleep at night" securities (CDs, savings bonds, basically nothing riskier than Total Bond Market) I give myself some slack. I've never felt I could do too much harm ...
by Ice-9
Mon Aug 12, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Ideas for Little Charges to keep Cards active
Replies: 87
Views: 5645

Re: Ideas for Little Charges to keep Cards active

I have two cards I normally don't use that I want to keep active. I didn't want to use a Netflix or other streaming subscription for these cards, because then I'd be giving up the 6% cashback I could be earning on such transactions if I instead used my American Express Blue Cash Preferred card. One ...
by Ice-9
Sun Aug 11, 2019 10:54 am
Forum: Investing - Theory, News & General
Topic: Is it time to sell I-Bonds?
Replies: 18
Views: 2238

Re: Is it time to sell I-Bonds?

Everyone's situation is different. I continue to hold a large amount of 1.6% fixed rate I-Bonds (much higher composite rate right now) that I originally bought in 2003 intending it to be an emergency fund. Time proved them to be a better investment than the bond funds in my portfolio, so I eventuall...
by Ice-9
Fri Aug 09, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4739

Re: Do You Order "the Special" at Restaurants?

I just wanted to clear this up. Places that list the specials on the menu or on an insert in the menu almost always list the price. I believe the specials a few posters were referring to where you aren't provided the price are at places where you learn about the special only via the wait staff telli...
by Ice-9
Mon Aug 05, 2019 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Are Ally ACH transactions always slow?
Replies: 22
Views: 1662

Are Ally ACH transactions always slow?

Long ago, I think ING Direct was this forum's consensus online savings account. Since ING Direct's US operations were acquired by Capital One and the accounts changed over to Capital One 360, I think if there were a replacement consensus online savings account for the forum it's been Ally. I've resi...
by Ice-9
Thu Aug 01, 2019 10:57 am
Forum: Personal Investments
Topic: Fidelity ZERO funds now available via BrokerageLink
Replies: 20
Views: 2037

Re: Fidelity ZERO funds now available via BrokerageLink

They’ve been available on brokeragelink for awhile now... Does anyone know if this is true for any 401k plan which includes the BrokerageLink, or does it vary depending on the particular employer's plan? Just called Fidelity. Yes, any 401(k) plan with BrokerageLink (or in my case 401(a) and 457(b))...
by Ice-9
Thu Aug 01, 2019 10:32 am
Forum: Personal Investments
Topic: Fidelity ZERO funds now available via BrokerageLink
Replies: 20
Views: 2037

Re: Fidelity ZERO funds now available via BrokerageLink

When Zero funds first came out with a big buzz a year ago, I immediately called Fidelity and asked about their availability in BrokerageLink. I was told in no uncertain terms that the Zero funds would not be made available there. Then in February, I saw someone on the Friends of Vanguard Facebook Gr...
by Ice-9
Thu Aug 01, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10599

Re: Beyond Meat Burger? Do you like?

I'm someone who likes my real burgers well done. I've been trying to have veggie burgers around as a go-to at lunch to reduce my red meat intake. I tried Beyond Meat burgers a couple months ago and actually liked them better than Boca burgers, even though the patty remains so red on the inside I'd n...
by Ice-9
Wed Jul 17, 2019 5:22 pm
Forum: Personal Investments
Topic: What is your Re-balancing Trigger?
Replies: 28
Views: 2193

Re: What is your Re-balancing Trigger?

I also use the Larry Swedroe 5/25 rule mentioned above. It was pretty easy to set up conditional formatting in my asset allocation spreadsheet along the 5/25 rule so the cell is highlighted when rebalancing is needed. Happens in my portfolio maybe once every 2-3 years. (Except during 2008-9, when I ...
by Ice-9
Sat Jul 13, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - Throw it all on the table!!!
Replies: 255
Views: 49399

Re: Cash - Throw it all on the table!!!

Our cash: TIER 1: enough for mortgage, one month's credit cards paid in full, and the minimum to keep safe deposit box in low-interest accounts where most of our transactions actually occur TIER 2: usually close to two months' expenses in a high-yield online savings account that we only draw from fo...
by Ice-9
Sat Jul 13, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 5266

Re: How to encrypt Cloud backups?

These suggestions to use an entire backup container sound extremely cumbersome to me, unless you intend on keeping the backup very small. Every time you modify the contents of a file - even a single character - you’ll have to re-upload the entire container That's actually not true, at least with Ve...
by Ice-9
Thu Jul 11, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 5266

Re: How to encrypt Cloud backups?

+1 on Veracrypt I put our virtual replacement for a physical file cabinet on Dropbox encrypted with VeraCrypt. It's split into containers for Health, Tax, Statements, and a couple others, each about 200 - 500 Mb. I have a Python script that fires twice a month that then copies the containers to simi...
by Ice-9
Tue Jul 09, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 12514

Re: What backup service to use?

Which services still allow you to send/receive physical backups? E.g., I clone my SSD to an external 2.5" hard drive, mail it to the provider, and then do incremental backups via internet. And I can order a current version loaded onto a 2.5" hard drive if needed. Since like most cable bro...
by Ice-9
Tue Jul 09, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 12514

Re: What backup service to use?

I do the following: * Backup entire Mac to Time Machine external drive * Backup entire Mac to BackBlaze * Sync specific items for various purposes using free Dropbox, free Google Drive, and paid OneDrive * Among the aforementioned synced items are about 1.5 Gb of encrypted sensitive files that years...
by Ice-9
Sat Jul 06, 2019 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 11
Views: 986

Re: Closing my oldest credit card

Bank of America is also my oldest card - from 1994! (I am guessing from your post that perhaps B of A was as vigilant with their freebie offers on college campuses in 2008 as they were back in 1994, haha.) I am also not happy with them, though not as unhappy as you. A few other cards I had no activi...
by Ice-9
Wed Jul 03, 2019 9:55 pm
Forum: Personal Investments
Topic: Gold & Silver in a portfolio
Replies: 61
Views: 4062

Re: Gold & Silver in a portfolio

What has prevented me from doing this up to this point is finding physical gold in perhaps 1/10 ounce denominations. I've bought some 1/10 ounce from JM Bullion and APMEX. If you do the check/e-check/ACH option you get the best price. And free shipping over $100. But man those coins are tiny! Made ...
by Ice-9
Tue Jun 25, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: I-bonds vs Ally
Replies: 9
Views: 1647

Re: I-bonds vs Ally

If from a high tax state, I Bonds are SALT free. Also, they are an inflation hedge, which CD's are usually not. I hear the inflation hedge often, could you perhaps explain? It sounds like you might be unaware of how the new composite rate of your I-Bonds is calculated each six months. Below from ht...
by Ice-9
Fri Jun 21, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 6601

Re: How much is your guys’ fees for your 401k?

I'm impressed so many know the answer to this question. How would one find the answer to this question? I have a 401k through Fidelity, and have perused through the plan documents in the past, but it's not clear to me where this would be spelled out. Here's how I find mine. After logging in Fidelit...
by Ice-9
Fri Jun 21, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 6601

Re: How much is your guys’ fees for your 401k?

$17 per quarter each for my 401(a) plan and 457 plan. So, a total of $136/yr for both accounts. Both are at Fidelity with BrokerageLink implemented, not sure if that affects the cost.
by Ice-9
Fri Jun 14, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 2598

Re: Is Zelle functionality different between banks?

I wonder if during the first payment delay if you have any recourse if you sent the payment in error or it was an attempted fraud? Can you call contact the bank and attempt a cancellation? Or purely the banks fraud algorithms at play and nothing a person can do? Interesting question. I didn't ask C...
by Ice-9
Mon Jun 10, 2019 10:42 am
Forum: Investing - Theory, News & General
Topic: Prime Money Market Fund 7 day yield change
Replies: 7
Views: 1987

Re: Prime Money Market Fund 7 day yield change

To add on to BogleMelon's response above, you can see how the <1yr treasury yields have changed recently here: https://www.treasury.gov/resource-center/data-chart-center/interest-rates/pages/TextView.aspx?data=yieldYear&year=2019 Date 1 mo 2 mo 3 mo 6 mo 1 yr 2 yr 3 yr 5 yr 7 yr 10 yr 20 yr 30 y...
by Ice-9
Sat Jun 08, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Alternative to USPS
Replies: 22
Views: 2028

Re: Alternative to USPS

This happened to us. I called the IRS and discussed the situation. The address listed on the form I had filled out was a PO Box and not a street address, which surprised the IRS rep. She told me to wait two more weeks and if the tracking number still didn't report as delivered, to resend to a street...
by Ice-9
Sat Jun 08, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 18
Views: 1680

Re: Nest Smoke/CO Detectors

I was an early adopter with two Nest Protect detectors when they first came out. They have made significant changes since then, but we've been upgraded to the newer model at no cost one at a time when issues arose and we called Nest. They paid shipping and everything. Very pleased with the customer ...
by Ice-9
Wed Jun 05, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 3460

Re: Recommendations for "Backup" software

As I read through this thread, I see a lot of my previous evolving thought processes on backups over the last decade. I've tried periodic manual backups to USB, local backups via both Time Machine and - when it was offered for free - Crashplan, making the most out of various "sync" service...
by Ice-9
Mon Jun 03, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 2598

Re: Is Zelle functionality different between banks?

It definitely is a Capital One policy to do the first transfer to someone the slower "standard" way. The @AskCapitalOne Twitter account was more helpful than the customer service and actually answered my question directly. I just verified it by playing Zelle ping pong with $10 to my friend...
by Ice-9
Mon Jun 03, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 2598

Re: Is Zelle functionality different between banks?

Thank you all. The comments above have me thinking that perhaps Capital One may include as part of its own algorithm for determining transaction speed whether or not the sender has previously transacted with the recipient. My recent slow transactions were all with established Zelle users, but it was...
by Ice-9
Mon Jun 03, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 2598

Re: Is Zelle functionality different between banks?

I've been using Zelle on Capital One 360 since it's been available. In fact, I was using its predecessor P2P function before Zelle was available. I've always received payments immediately with Zelle. Only recently have my recipients been telling me my Zelle payments to them have taken a couple of da...
by Ice-9
Mon Jun 03, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Is Zelle functionality different between banks?
Replies: 13
Views: 2598

Is Zelle functionality different between banks?

More specifically, I'm trying to determine whether Capital One 360's implementation of Zelle is inferior to that of other banks, and if so, I may switch banks. I have several peer-to-peer payment apps (Venmo, Paypal, Cash App), but I have come to prefer Zelle for the following reasons: (1) directly ...