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Re: Mango prepaid card - 4.8% (effective) APY

I also got corrected 1099-INT forms from Mango on Feb 20. Although I did request them. I am still waiting for the corrected 1099-INT from UnionPlus. It has been two weeks since I called them.
by PennySaved
Sat Feb 21, 2015 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I got my 1099-INT forms from Mango, both had interest incorrectly reported in Box 3, rather than in Box 1. I called them to request corrected 1099-INTs. So I am waiting on those and a corrected 1099-INT from UnionPlus. I do have to file a Schedule B and I also have I-bonds that are tax deferred. I a...
by PennySaved
Mon Feb 16, 2015 2:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

For those who are using Quicken, do Mango accounts download properly in there ? I'm thinking of signing up for Mango, but only if I can track the balances/fees easily in Quicken. I have never downloaded Mango Money transactions into Quicken. I did a Google search and found that Mango Money is one o...
by PennySaved
Thu Feb 05, 2015 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I called UnionPlus about the 1099-INT error. The customer service rep already was aware about the Box 3 (US bonds interest) error and told me to just enter the amount in Box 3 as regular interest on my tax forms and it would be OK. I explained that the IRS gets copies of these 1099s and that this in...
by PennySaved
Wed Feb 04, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I got a reply email from UnionPlus about the email I sent them regarding Form 1099-INT error and apparently I have to call them instead of handling the issue by email: For your account security, we cannot discuss any specific details of your account over email. If your question has to do with specif...
by PennySaved
Tue Feb 03, 2015 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I got my UnionPlus account 1099-INT today. Interest is incorrectly reported in Box 3 (Interest on US Bonds, Treasuries) instead of Box 1 (Interest Income). I guess the same will happen for my Mango accounts. I logged onto my UnionPlus account and clicked on the "help" tab to send them an e...
by PennySaved
Mon Feb 02, 2015 11:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I am still maintaining my second Mango account on the disconnected Tracfone number with no problems. I may try to get a 3rd Mango account using Google Voice. I guess I just sign up for a Google Voice number and have it forwarded to my landline? Mango requires a mobile phone number to have an accoun...
by PennySaved
Sun Feb 01, 2015 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

Another thing I found out recently: You can transfer money from your Union Plus prepaid debit card account to your Mango prepaid debit account, just like you can transfer money between two Mango accounts.
by PennySaved
Sat Jan 31, 2015 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

Don't see any savings account that comes with Pronto prepaid debit card. https://yourmoneypronto.com/
by PennySaved
Sat Jan 31, 2015 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

Has anyone successfully opened three mango money accounts as well as an Union Plus Prepaid accounts or a Pronto Prepaid account? I understand there's a three account limit and since they're all managed by Rev and share the same underlying bank, I wonder if the limit crosses these products? I though...
by PennySaved
Sat Jan 31, 2015 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I am still maintaining my second Mango account on the disconnected Tracfone number with no problems. I may try to get a 3rd Mango account using Google Voice. I guess I just sign up for a Google Voice number and have it forwarded to my landline? Mango requires a mobile phone number to have an account...
by PennySaved
Sat Jan 31, 2015 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: make mortgage payment with a credit card?

I have a Serve account and a Fidelity Amex (serviced by FIA). I load $1000/month from my Amex (5x$200 loads) onto my Serve Account. Then I withdraw the $1000 from Serve into my bank account. Serve does not require the use of bill pay or sending the payment anywhere to get the cash out. FIA credits ...
by PennySaved
Thu Jan 15, 2015 5:37 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 4380

Re: make mortgage payment with a credit card?

I have a Serve account and a Fidelity Amex (serviced by FIA). I load $1000/month from my Amex (5x$200 loads) onto my Serve Account. Then I withdraw the $1000 from Serve into my bank account. Serve does not require the use of bill pay or sending the payment anywhere to get the cash out. FIA credits ...
by PennySaved
Thu Jan 15, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 4380

Re: make mortgage payment with a credit card?

The Amex Serve fee is waived if you load a certain minimum amount each month ($400 or $600 I believe). Bottom line if you load the max ($1k) each month, then the dollar bill fee is waived. I can confirm that $1 fee is waived when you load $500 per month. I get an email from Serve when this happens....
by PennySaved
Thu Jan 15, 2015 5:23 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 4380

Re: make mortgage payment with a credit card?

I use my Fidelity Amex card to load $1000 every month to my Serve account. $1000 is the max amount allowed for loading by credit card every month, at max of $200 per day. I then load $140 more using my checking account debit card and then pay my Wells Fargo mortgage of $1400. This gets me $20 cash b...
by PennySaved
Fri Jan 09, 2015 2:06 pm
 
Forum: Personal Consumer Issues
Topic: make mortgage payment with a credit card?
Replies: 33
Views: 4380

Vanguard IRA Beneficiary Designation

I currently have a Vanguard Roth IRA. I may establish a traditional IRA at Vanguard later when I retire and transfer some of my Thrift Savings Plan retirement account money to an IRA. Can I name different beneficiaries for my Vanguard Roth IRA and traditional IRA? I thought I had read on some other ...
by PennySaved
Thu Dec 11, 2014 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard IRA Beneficiary Designation
Replies: 3
Views: 427

Re: War on Debt

As for the land, we have several acres of land, a benefit of living in the country and we have casually discussed selling it. The parcel that we could sell and someone can build a house on, is about $20k to $25k. I will bring it up after we do the baby budget and she sees the numbers being against ...
by PennySaved
Wed Nov 12, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32582

Re: War on Debt

I will second and third other posters' remarks about cutting cable and not missing it. When I went through an expense overall a few years back, I was paying $60 a month for the package. I looked into cutting it back to the cheapest, most limited basic available, which was $20 a month. I agonized ove...
by PennySaved
Fri Nov 07, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 32582

Re: Home ownership/refinance paperwork - keep or shred?

I am in a similar situation. Bought a condo in 2004, refinanced in 2009, then again in 2012. Also have a 2006 HELOC which I have borrowed from a few times and paid it off. I keep the settlement sheet, the deed of trust, the loan documents and all the other documents signed at settlement time. All th...
by PennySaved
Fri Nov 07, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home ownership/refinance paperwork - keep or shred?
Replies: 7
Views: 1424

Re: Electronic rent payments

You might look into using Serve http://www.serve.com Supposedly you can send and receive money between family and friends with Serve Accounts, although I have not used that function. You can use your credit card or bank debit card to load money and then use it to pay bills or send money to someone e...
by PennySaved
Thu Sep 11, 2014 11:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Electronic rent payments
Replies: 15
Views: 1426

Re: 1.99% Unsecured "AnythingLoan"

You will have to provide your SS number on Loan Application. They will check your credit history. You also have to provide last four digits of driver's license number, Date of Birth, work status, occupation description, employer name and address, yrs employed, annual salary, home equity value, liqui...
by PennySaved
Mon Sep 08, 2014 3:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 11493

Re: 1.99% Unsecured "AnythingLoan"

Oops, after re-reading the customer experience guarantee, I realize I only get the questionnaire if I have a complaint about their process. So far, no complaints.
by PennySaved
Sat Sep 06, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 11493

Re: 1.99% Unsecured "AnythingLoan"

Lightstream also offers a "Customer Experience Guarantee" as described on this page: https://www.lightstream.com/who-we-are "We guarantee you a better experience. After receiving your loan from us, if you are not completely satisfied with your experience, please contact us. We will em...
by PennySaved
Sat Sep 06, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 11493

Re: 1.99% Unsecured "AnythingLoan"

Below is the description of the Autopay option from my loan agreement. If you choose to be invoiced for the loan payments, the interest rate is 0.5% higher. AUTOMATED PAYMENT OPTION: You have selected the Automated Payment Option. Your selection of this option entitles you to a reduced interest rate...
by PennySaved
Sat Sep 06, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 11493

Re: 1.99% Unsecured "AnythingLoan"

Wow- quick and easy! On Friday night, I applied for a $30,000 new car loan with Lightstream with advertised interest rate to be 1.99-2.74% for 36 months. On Saturday, I received an email from Lightstream that I got approved for the loan for 1.99% interest. I signed loan agreement electronically and ...
by PennySaved
Sat Sep 06, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 11493

Re: Quote from a mover: Please comment

Don't forget to include any tipping costs. When I used professional movers to move locally in DC area, I was caught off-guard by the movers expecting a tip. I had only used professional movers once before in my life and I was unaware that tipping was a normal practice. I had to ask the guy how much ...
by PennySaved
Fri Aug 22, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Quote from a mover: Please comment
Replies: 46
Views: 4179

Re: Mango prepaid card - 4.8% (effective) APY

I had opened a second account with Mango using a second cell phone number I got from Tracfone. I had gotten a free refurbished Tracfone phone with a purchase of an airtime card that lasted 90 days, I think. I don't use the phone for anything else. I figured the airtime which was about $20 would be p...
by PennySaved
Sun May 18, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Please help with FERS retirement calculation

Age 36 plus 25 more years service = 61 not 62, so maybe you both would have to work 26 more years to make it to 62, when the percentage is 1.1%versus 1% for calculating the pension, if you are younger. How are you coming up with $39K and $32.5K for FERS pension? Assuming your high three salary avera...
by PennySaved
Sat Mar 01, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Please help with FERS retirement calculation
Replies: 19
Views: 2264

Re: Santandar Bank advertisement

I found out about the $20 a month from Santander bank on a Fat Wallet forum http://www.fatwallet.com/forums/finance/1309419/?start=0 I opened my account in December 2013, got my necessary direct deposits of $1500 per month and the 2 billpays per month completed in January and received my first $20 p...
by PennySaved
Tue Feb 25, 2014 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Santandar Bank advertisement
Replies: 14
Views: 2067

Re: Cons to having a HELOC, assuming responsible use

One downside I did not realize when I took out a HELOC in 2006 was how it might adversely affect me refinancing my condo in 2009. I had about $120K in equity and needed to do some remodeling in 2006 and needed to borrow $25k. So I got a HELOC from my credit union. When they asked me how much of a li...
by PennySaved
Tue Feb 25, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cons to having a HELOC, assuming responsible use
Replies: 7
Views: 776

Re: High Earners - What's Your Profession?

Chemical Engineer in Federal Govt.
by PennySaved
Mon Jan 13, 2014 2:02 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 29124

Re: Those silly lotion containers

I buy the large size shampoo bottles that have a pump from Costco. When it no longer pumps, I just add some water and shake to mix in, then keep pumping. Of course, it is diluted, so I have to use more volume. If it is too dilute to hold in my hand, I sometimes just pump it right onto the top of my ...
by PennySaved
Tue Sep 10, 2013 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Those silly lotion containers
Replies: 20
Views: 2751

Re: Thermopen

There is a sale right now on open box Thermapens.

http://www.thermoworks.com/products/the ... openbox-cs


Thanks for the info. I just went and ordered one for $74 plus $2.99 shipping.
by PennySaved
Tue Jul 09, 2013 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Thermapen [Cooking thermometer]
Replies: 28
Views: 2999

Re: identity theft using prepaid debit card

The website lists lots of IRS Income tax return fraud cases, many involving issuing refunds on debit cards: http://www.irs.gov/uac/Examples-of-Identity-Theft-Schemes-Fiscal-Year-2013 But still can't figure out how crooks would take advantage unless they actually get physical receipt of the debit car...
by PennySaved
Thu Apr 25, 2013 5:14 pm
 
Forum: Personal Consumer Issues
Topic: identity theft using prepaid debit card
Replies: 10
Views: 1296

Re: identity theft using prepaid debit card

Maybe they were using her identity to get the cards setup. Once a card is issued, then they can load them online by transferring money online from someone else's checking account to the cards. Assuming they had online access to someone's checking account. Then they would use the cards online to buy ...
by PennySaved
Thu Apr 25, 2013 4:56 pm
 
Forum: Personal Consumer Issues
Topic: identity theft using prepaid debit card
Replies: 10
Views: 1296

Re: Mango prepaid card - 4.8% (effective) APY

Thanks for the comments. I may rethink my strategy. I was reading posts over at FatWallet. One person had his Mango card cancelled after 3 months because he was loading/unloading too much or frequently via ACH. Assuming that was unloading into a bank acct. My rewards checking just increased the numb...
by PennySaved
Tue Apr 23, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: Mango prepaid card - 4.8% (effective) APY

I finally got my Mango card all set up. I have $500 a month going in from direct deposit to avoid the $5 a month fee. I've got about $4500 in the savings acct (less than $5000 to allow for interest growth). Now I am looking for ways to get the $500 per month off the prepaid debit card besides buying...
by PennySaved
Tue Apr 23, 2013 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 95
Views: 41824

Re: One night hotel stay in D.C.

If you don't care much about hotel decor and amenities, there is a cheap tourist hotel in a great location in DC called the Hotel Harrington. located at corner of 11th and E Streets, NW. One block from Metro Center redline subway stop. I did a quick check and it looks like room rate is less than $20...
by PennySaved
Wed Apr 10, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 3022

Re: any ideas for a slightly higher yield than MM?

Here are some other ideas: I put some of my cash in peer-to-peer lending with Lending Club, starting with a couple hundred dollars at first in 2009 and now up to about $12,000. Returns have been all positive, more than standard savings rates, return is running now about 8%. I could sell notes on sec...
by PennySaved
Mon Apr 01, 2013 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: any ideas for a slightly higher yield than MM?
Replies: 19
Views: 2049

Re: Taxes : Basic question

Did you receive a state income tax refund for the year 2009 or did you receive the refund in 2009?
by PennySaved
Sun Mar 31, 2013 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes : Basic question
Replies: 11
Views: 593

Re: Taxes : Basic question

So in other words, that line on the 540x is referring to a 2008 refund that I originally deducted in 2009. It is not referring to the refund I received in 2009. Your question is confusing. You don't deduct "refunds". You deduct the amount of state tax withheld in a tax year, say 2008, on ...
by PennySaved
Sun Mar 31, 2013 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes : Basic question
Replies: 11
Views: 593

Re: Taxes : Basic question

oops. I missed the part of about you are amending for year 2009. Anyway, it would depend if you deducted your state income taxes paid on your 2008 federal return.
by PennySaved
Sun Mar 31, 2013 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes : Basic question
Replies: 11
Views: 593

Re: Taxes : Basic question

When you do your Federal Taxes, the amount of state tax refund you received in 2012 gets reported as income on your 2012 federal return ONLY if you itemized deductions in 2011 and took a deduction for state taxes paid. Because the state return is using the Federal income as starting point, you have ...
by PennySaved
Sun Mar 31, 2013 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes : Basic question
Replies: 11
Views: 593

Re: Where were you financially in your late twenties?

When I was in my late twenties, it was the early 1980s. After seven years of attending university, working part-time and working full time sometimes as co-op student in engineering, I graduated in Dec 1982 and hardly anyone in my field could get a job due to the ongoing recession. But I did not have...
by PennySaved
Mon Feb 18, 2013 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 12577

Re: Feeling Overwhelmed [Portfolio Help]

With your good credit score and high income, you should have no problem getting a debt consolidation loan at Lending Club.com at a lower interest rate that your current credit card interest rate so you can cut the interest payments on your two credit card debts. I am invest in Lending Club loans and...
by PennySaved
Sun Feb 17, 2013 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling Overwhelmed [Portfolio Help]
Replies: 39
Views: 1867

Re: Question about reporting tax free bond fund dividends

I will have to review my Virginia tax instructions on how I should report federal-exempt, but not state-exempt portion of my bond dividends. I'll get my Federal taxes figured out first, but wait on filing and then start on the State taxes. Maybe I will end up reporting this on Schedule B after all. ...
by PennySaved
Wed Feb 13, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about reporting tax free bond fund dividends
Replies: 8
Views: 556

Re: Rollover of Federal TSP Account into Inherited ROTH Acco

See https://www.tsp.gov/PDF/formspubs/tsp-583.pdf
Important Tax Information about TSP Death Benefits Payments, May 2012

Talks about transferring beneficiary TSP funds to an inherited IRA, but does not mention anything about an inherited Roth IRA.
by PennySaved
Wed Feb 13, 2013 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover of Federal TSP Account into Inherited ROTH Account
Replies: 15
Views: 1419

Re: Question about reporting tax free bond fund dividends

I think I found the answer to my question on one of Vanguard's webpages: https://personal.vanguard.com/us/insights/article/tax-forms-available-12032012 They indicate that the 1099-DIV and 1099-INT for VG mutual fund accounts are now available, but the these forms for brokerage accounts will be avail...
by PennySaved
Wed Feb 13, 2013 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about reporting tax free bond fund dividends
Replies: 8
Views: 556

Re: Question about reporting tax free bond fund dividends

The T Rowe Price Tax-free fund is not in an IRA. The reason I said it was “nontaxable” is that when I go to the “Taxes and Income” page for my accounts, then click on Dividends and Capital Gains Distributions”, I get a webpage showing two of my VG bond funds (GNMA and Intermediate Term Investment Gr...
by PennySaved
Wed Feb 13, 2013 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about reporting tax free bond fund dividends
Replies: 8
Views: 556

Question about reporting tax free bond fund dividends

In 2012, for the first time, I purchased shares of T Rowe Price Virginia Tax Free Bond Fund through a brokerage account at Vanguard. I am a Virginia resident. I don’t see any tax forms for this account on the Vanguard site, but I did see Form 1099-DIV for three other VG bond funds I have. I do see t...
by PennySaved
Wed Feb 13, 2013 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about reporting tax free bond fund dividends
Replies: 8
Views: 556
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