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Personal Finance (Not Investing) • Re: Bank of America/Merrill Edge - Preferred Rewards

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:47
OP of that Reddit post claims to work for ML and doesn’t know but is hesitant to think existing rewards are nerfed.I don't think that captures the OP's reply:
Q: Do you think they're going to nerf the credit card multipliers for the current tiers? I feel like getting 5.25% back isn't sustainable for them.
OP: I’ve been thinking that and telling clients the same for a while now that the ‘overnight rate’ is practically zero.This just seems like speculation on the OP's part (e.g., rewards are primarily tied to transaction fees, not Fed policy), so I wouldn't use their take as an indication either way.Reddit is down for me right now but that conflicts with what they said in another part of the thread.

Frankly it’s FWIW for anyone reading, no proof backing it yet.Yeah, later on the OP mentions why he thinks they won't slash the CC boosters, and it was related to BoA using it to attract assets.

Statistics: Posted by anon_investor — Thu Oct 14, 2021 4:47 pm

Harvard/Stickney Jr Model

www.homemodelenginemachinist.com - Jue, 10/14/2021 - 23:47
Hello. I've acquired a Harvard (also called Stickney Jr.) model that was built from a casting kit from BP Machine. I think these kits were sold about 20 years ago, but are no longer available.

This model is mostly complete, but has some issues. For starters, the cylinder was not drilled/tapped for an oiler or for a spark plug (N.B., it is fitted with a mechanical ignitor for spark). Also, the timing gear on the eccentric shaft is not keyed, as called for in the plans. So I've decided...

Harvard/Stickney Jr Model

Personal Investments • Re: Is Vanguard so bad?

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:47
I read a lot of posts these days from people who are abandoning Vanguard and moving their funds elsewhere. Is it the general consensus that Vanguard is worth leaving? I ask because I have a dormant, 0 balance account there, but I'm considering moving some funds in simply to buy a Vanguard mutual fund without having to pay a commission through a brokerage.

I do remember when I used that Vanguard account years ago I had issues with 1099s that were delivered inexplicably late in the tax filing season (I thought they were required to be available by Feb. 15) and also with funds taking up to 5 days to get into and out of the account, whereas with my brokerage they show up the very next day. Are these the kinds of issues that people are still having problems with?

Thanks.No, Vanguard is not so bad. They are good.

We have had all of our accounts at Vanguard for 16 years, use only Vanguard funds, and have never had any kind of problem. In my experience their customer service has always been prompt, professional and courteous. I like their website and app.

Anecdotes about issues encountered can be informative but are not very helpful in seeing if there is a real problem, or not. Apparently all brokerages have experienced problems recently. According to J. D. Power "With more than 10 million new brokerage accounts opened in 2020 as mainstream investor interest skyrocketed during the pandemic, retail brokerage firms struggled to deliver a seamless customer experience."

In my opinion ratings by trusted sources, and surveys of investor satisfaction, should be more informative than anecdotes.

Vanguard is one of only five firms rated "high" by Morningstar. Morningstar (1/28/2020), "The Best Fund Companies and Their Ratings", link.

Vanguard ranks highest in investor satisfaction. J.D. Power (4/27/2021), PRESS RELEASE, "Online Brokerage Firms Strain under Weight of New Investor Surge, J.D. Power Finds", link.Vanguard (736) ranks highest in self-directed investor satisfaction among investors seeking guidance.
T. Rowe Price (705) ranks second and Charles Schwab (702) ranks third.

Vanguard (736) ranks highest in self-directed investor satisfaction among do-it-yourself investors. Charles Schwab (727) ranks second and T. Rowe Price (721) ranks third.

The U.S. Self-Directed Investor Satisfaction Study, which was redesigned for 2021, measures self-directed investors’ satisfaction with their investment firm based on performance in seven factors (in order of importance): trust; digital channels; the ability to manage wealth how and when I want; products and services; value for fees; people; and problem resolution.

The 2021 study is based on responses from 4,895 investors who make all their investment decisions without the counsel of a full-service dedicated financial advisor. The study was fielded from December 2020 through February 2021.

Statistics: Posted by ruralavalon — Thu Oct 14, 2021 4:47 pm

Personal Finance (Not Investing) • Re: For Those Of Us in Can't-Return Jobs - What is your retirement exit criteria and stress tests?

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:46
Mr. Cheapo - I'll give you my criteria:

We are $300K away from the "number" I set in my head almost 20 years ago.

I tend to not to think too deeply about things when it comes to money. I just try to be a bit realistic and go with the flow. Wife will still be working and I have 2 part time gigs already lined up with people who want what I got. So I got beer and grocery money covered. House is long paid for and no other debt.

I'm planning to light the fuse after Jan 1 and tell my 25 year employer I'm done, and if they want more than 2 weeks, I'm willing to discuss a longer transition up to the end of June as long as it's less than full time.

I'm not stressed too much. I'd like to have the extra $300k banked, but no way in hell will that delay my plans.

Wife hates when I'm in "working guy" mode. Commission sales income is profitable, but I don't give a chit any more. Time to drop the stress and move on.

Statistics: Posted by Atilla — Thu Oct 14, 2021 4:46 pm

Personal Finance (Not Investing) • Re: For Those Of Us in Can't-Return Jobs - What is your retirement exit criteria and stress tests?

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:45
If you are feeling uncomfortable with the retirement plan, then I would look at boosting the guaranteed income. Of the 90k in spending how much is basic needs (food, housing), how much is basic quality of life spending (hobbies, socialization), and how much is extra fun (extravagant vacations ect)? If your guaranteed income covers the first two categories, then no mater what happens you'll have a decent retirement. Not knowing all the details, one thing to consider is delaying the higher SS to age 70.

Statistics: Posted by joverby — Thu Oct 14, 2021 4:45 pm

Correlaciones Sectores (Agosto 2021)

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
Cada mes construimos para usted tres tablas de correlaciones entre las principales categorías de fondos
Categorías: Articulos sobre fondos

Correlaciones Categorías (Agosto 2021)

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
Cada mes construimos para usted tres tablas de correlaciones entre las principales categorías de fondos
Categorías: Articulos sobre fondos

Argumentos para la deuda pública

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
El aumento de los rendimientos ha pesado mucho sobre la deuda pública, pero su estatus de inversión refugio la convierte en una pieza importante para los inversores a largo plazo.
Categorías: Articulos sobre fondos

Correlaciones Sectores (Marzo 2021)

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
Cada mes construimos para usted tres tablas de correlaciones entre las principales categorías de fondos
Categorías: Articulos sobre fondos

¿Son peligrosos los bonos?

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
El aumento de los rendimientos y las expectativas de inflación están poniendo nerviosos a los inversores en bonos.
Categorías: Articulos sobre fondos

Correlaciones Sectores (Febrero 2021)

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
Cada mes construimos para usted tres tablas de correlaciones entre las principales categorías de fondos
Categorías: Articulos sobre fondos

Correlaciones Categorías (Marzo 2021)

Noticias de Morningstar - Jue, 10/14/2021 - 23:45
Cada mes construimos para usted tres tablas de correlaciones entre las principales categorías de fondos
Categorías: Articulos sobre fondos

Personal Investments • Re: Buying more than $15k in I bonds?

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:44
So it seems like buying some I bonds is looking good.

I know of the limit to buy $10k online and $5k via a tax refund.

It seems googling around there stratigies to buy more related to spouses gifting each other savings bonds and buying them with a business you own. The articles I read didn't look very polished though. Can anyone confirm these appeoches?if you are married, each spouse can have their own Treausry Direct account and buy electronic I Bonds up to the $10k limit limit each, so $20k combined.I was thinking each spouse could buy $10k for themselves and gift $10k to their spouse in each of their Treasury Direct accounts.I don't think that works, because the $10k gift counts towards the spouse's annual $10k limit. The strategy most people use it to have a trust purchase $10k to have more than the $10k per person limit.

Statistics: Posted by anon_investor — Thu Oct 14, 2021 4:44 pm

Personal Finance (Not Investing) • Re: Construction cost DOUBLED. We have a cash crunch.

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:43
if its an ADU-style house, I would contact some local builders that specialize in such things. For example, there is a fair amount of interest in ADU's in some California communities, adn cities have pre-approved their plans for easy and fast builds.

Statistics: Posted by Big Dog — Thu Oct 14, 2021 4:43 pm

Investing - Theory, News & General • Re: New I Bond Variable Rate 7.12% for November 2021

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:42

Yes, you can overpay your income taxes and receive a refund in I Bonds of up to $5k. I haven’t done this myself so maybe someone else can chime in on the details for that.

Good summary of how I-bonds work!
As for your point above, all you have to do is overpay before you file your return, and then request your refund in I-bonds on your return...if you use tax filing software the option should be available before you finalize.
One point- you can only get paper I-bonds this way. The IRS mails them to you. Unfortunately you cannot have the refund directly deposited to your Treasury Direct account, so if you have been doing it for years as I have, you wind up with a pile of paper I-bonds. Theoretically they are replaceable if something happens to them, so I keep a record of their numbers on my computer.You can also fill out paper work and mail in the paper I Bonds to be added to your Treasury Direct account, but some people like the paper I-Bonds because they can be immediately redeemed at some banks.

Statistics: Posted by anon_investor — Thu Oct 14, 2021 4:42 pm

Personal Investments • Re: Buying more than $15k in I bonds?

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:42
So it seems like buying some I bonds is looking good.

I know of the limit to buy $10k online and $5k via a tax refund.

It seems googling around there stratigies to buy more related to spouses gifting each other savings bonds and buying them with a business you own. The articles I read didn't look very polished though. Can anyone confirm these appeoches?if you are married, each spouse can have their own Treausry Direct account and buy electronic I Bonds up to the $10k limit limit each, so $20k combined.I was thinking each spouse could buy $10k for themselves and gift $10k to their spouse in each of their Treasury Direct accounts.

Statistics: Posted by MikeZ — Thu Oct 14, 2021 4:42 pm

Personal Consumer Issues • Re: Tree vs Basement

www.bogleheads.org/forum/ - Jue, 10/14/2021 - 23:41
Do trees regularly fall in your neighborhood? Just because a tree is large doesn't mean it's going to fall. Trees improve neighborhoods and property values, attract wildlife, capture carbon from the atmosphere, and clean the air. If you live in a sunny climate, a deciduous tree helps keep your house cool in the summer.

I would not remove a large tree from my property unless absolutely necessary, e.g., the tree was diseased and failing. Of course, trees require periodic maintenance, such as removing dead or dying limbs, but for most trees this can be on a 5-10 year schedule. As far as the debris on your car, you could use a car cover.+1

Cutting down a large, old tree is kind of unthinkable. A large shade tree adds significant value to your property and your neighborhood and your life. I wouldn't buy a house without several of them. It's kind of the whole point of living in the suburbs is it not? If a limb falls on your house, that's what insurance is for. Usually a large limb wont even cause damage, especially from a Maple. Your roof is tougher than you think.+1.

Statistics: Posted by Dottie57 — Thu Oct 14, 2021 4:41 pm

Glaxo Should Consider Buying a Headache (Company), Says Industry Consultant

www.gurufocus.com - Jue, 10/14/2021 - 23:40
Evaluate thinks Biohaven Pharmaceuticals would be a nice fit for the British pharma giant
Related Stocks: ABBV, AMGN, BHVN, ENDP, GSK, JNJ, LLY, NVS, PFE, TEVA, NSE:SUNPHARMA,

premium

Expansion premium - Jue, 10/14/2021 - 23:40
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Hilo Oficial +D Madrid. Zona Centro Filial MásDividendos

foro.masdividendos.com - Jue, 10/14/2021 - 23:39

Otra gran quedada…ya queda menos para la próxima!!!

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