Search found 145 matches

by AllenSmith
Sat Mar 17, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Accounts - Son got full scholarship!
Replies: 54
Views: 5363

Re: Help with 529 Accounts - Son got full scholarship!

He might go to graduate school. Also do you have any nieces or nephews? I would let the money sit for now rather than take the tax hit. Set it conservative so as not to run up future gains (which will be penalized), and you can use it as an emergency fund or part of your bond allocation. Additional...
by AllenSmith
Sat Feb 10, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of Comcast Modem
Replies: 35
Views: 3468

Getting Rid of Comcast Modem

Hi - I want to get rid of my Comcast Rented Model ($11/month); however, all the modems that are DOCSIS 3.0 Comcast-approved on Amazon and the like don't have TELEPHONE compatibility. Does anyone know where to get a good Comcast-replacement Modem that has telephone (landline) compatibility? Thanks, A...
by AllenSmith
Thu Dec 28, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: General question on college savings
Replies: 60
Views: 2891

Re: General question on college savings

I'm in same boat as you for the most part. However, I have moved taxable funds into 529s. If the kids don't go to college (or get a scholarship or similar), the funds basically "act" as if they were in taxable accounts the whole time. You pay back your IL state tax deduction, withdraw funds without ...
by AllenSmith
Tue Dec 19, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 33848

Re: Ally Bank 11 month No Penalty 1.75%

I closed out a 1.5% No-Penalty cd for the 1.6% rate within the last week...so with the "ten day, best rate guarantee" I should receive the highest rate offered during the period automatically. Thanks for the heads up. I'll verify that it is in effect when the grace period ends. :beer oh - me too. p...
by AllenSmith
Tue Dec 19, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 33848

Re: Ally Bank 11 month No Penalty 1.75%

i just closed my 1.5% no penalty and opened a 1.6% no penalty....sheesh
by AllenSmith
Mon Dec 18, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Spending on myself, am I off base here?
Replies: 104
Views: 6213

Re: Spending on myself, am I off base here?

fine purchase, go right ahead.
by AllenSmith
Sun Dec 17, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: New job offer - background check
Replies: 140
Views: 8236

Re: New job offer - background check

3 weeks notice seems like a lot, no?
by AllenSmith
Fri Dec 15, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 19141

Re: Call the top! - Bitcoin

$750k/BTC
by AllenSmith
Mon Dec 11, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 33848

Re: Ally Bank raises 11 month ($25k min) No Penalty CD from 1.5% to 1.6%

I called, and Ally was able to roll my 1.5% CDs into 1.6% ones (and I don't have any other Ally savings/checking accounts). Took 15 minutes.
by AllenSmith
Tue Nov 14, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6203

Re: Keurig died...what now?

denovo wrote:
Mon Nov 13, 2017 11:56 pm
livesoft wrote:
Mon Nov 13, 2017 11:42 pm
Give up drinking coffee altogether. That's the cheapest option.

Some banks and Trader Joe's give free coffee. You can go every day for $0.
Go to bank every day for a free k-cup....come on :shock:
by AllenSmith
Sun Oct 08, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 6311

Re: Anyone go 100% Ally or another online bank for all banking needs?

CapOne360 since when it was ING, no issues. Have an account a B&M, but only have $500 there.
by AllenSmith
Fri Sep 22, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: $3.6 million at age 25 - need investment advice
Replies: 44
Views: 6150

Re: $3.6 million at age 25 - need investment advice

Wait - are you done with crypto? no position?
by AllenSmith
Fri Sep 22, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Luxury Car Purchase
Replies: 47
Views: 4397

Re: Luxury Car Purchase

buy the car
by AllenSmith
Wed Sep 13, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 30589

Re: Iphone X is $1000

It's really $1150; no one is going to buy the 64gig for $1000.

$1150 for the 256GB!
by AllenSmith
Sun Sep 03, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3609

Re: Evaluating new job offer

take it :oops:
by AllenSmith
Sat Aug 19, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 67330

Re: Picking College and College Scholarships

$10k, $20k or even *gasp* $50k of debt after college isn't going to that big of a deal for an engineer especially if he has near perfect PSATs and takes school seriously.

Don't limit his options just because "its your money." Didn't you set aside this money for your son? for this purpose?
by AllenSmith
Fri Apr 21, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Personal Performance"; those with accounts >10 years
Replies: 6
Views: 1040

Re: Vanguard "Personal Performance"; those with accounts >10 years

That seems lame -- its not that much more data to keep on hand, is it?
by AllenSmith
Fri Apr 21, 2017 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Personal Performance"; those with accounts >10 years
Replies: 6
Views: 1040

Vanguard "Personal Performance"; those with accounts >10 years

I think my Vanguard account is now slightly over 10 years old.

I believe I could always see the Personal Returns in table form since the inception of my account, but now that I am >10 years, I can only see the last 10 years.

Do other longtime account holders have the same issue?
by AllenSmith
Sun Mar 12, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: US Treasuries interest > CD interest = no brainer?
Replies: 7
Views: 1110

Re: US Treasuries interest > CD interest = no brainer?

chicagobear wrote:Goldman Sachs Bank pays 1.05% in an FDIC insured savings account.
and capitalone360 pays 1.00% too for MM accounts
by AllenSmith
Fri Mar 10, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 15151

Re: What to do with all these passwords ?

I use Dashlane (another lastpass competitor). I like it.
by AllenSmith
Sun Feb 19, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 6601

Re: Retire in my 30s?!

What is the business?
by AllenSmith
Sun Feb 19, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 1.3 million dollars in debt
Replies: 36
Views: 9446

Re: 1.3 million dollars in debt

What type of practice did you buy into?
by AllenSmith
Fri Feb 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: FSA: leaving job mid-year, can employer come after me for contributions?
Replies: 13
Views: 2403

Re: FSA: leaving job mid-year, can employer come after me for contributions?

If they do (and even if they don't), you should re-pay the funds.
by AllenSmith
Fri Feb 17, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Private home sale (without agents): Where to start with price?
Replies: 34
Views: 2750

Re: Private home sale (without agents): Where to start with price?

Redfin estimate is almost 16% higher than the Zillow estimate for my house!
by AllenSmith
Fri Feb 17, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 5715

Re: Really Vanguard? 48 Cents?!

i cant believe i read this thread. its 48cents, who cares?
by AllenSmith
Fri Feb 17, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 121
Views: 8416

Re: Vanguard Web Site Down?

I'm fine with the website crashing twice per year to pay rock-bottom fees. Not such a big deal
by AllenSmith
Wed Feb 01, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: AAPL: Too much of a good thing?
Replies: 15
Views: 1386

Re: AAPL: Too much of a good thing?

Congrats - you killed it on that investment. Selling is fine if you want to lighten up...you're always going to have to pay the tax (eventually)
by AllenSmith
Wed Oct 12, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Back Door Roth Questions
Replies: 15
Views: 1172

Re: Back Door Roth Questions

You're going to be capped at $5,500 per year
by AllenSmith
Sat Sep 24, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How Much House Can I Afford (HCOL edition)
Replies: 21
Views: 3081

Re: How Much House Can I Afford (HCOL edition)

What does your spouse do?
by AllenSmith
Wed Sep 21, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Do I qualify for the Chase Sapphire Plus sign-on bonus?
Replies: 25
Views: 2812

Re: Do I qualify for the Chase Sapphire Plus sign-on bonus?

I just applied for Chase Sapphire Reserve. Says it takes 30 days to get a decision. Anyone else get that long of a wait time?
by AllenSmith
Mon Sep 19, 2016 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 7368

Re: How I circumvented Chase's 5/24 rule

Is there an easy way to find out how many Credit Cards you have opened in last 2 years?
by AllenSmith
Sun Aug 28, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 27976

Re: $50M+ - Need a sounding board/advice

What type of company did you sell? Can you tell some of that story?
by AllenSmith
Sun Jul 31, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: PA529 - College Saving Plan
Replies: 12
Views: 1129

Re: PA529 - College Saving Plan

Thank you all for sharing the info. gnosis, I just realized the "SAGE" feature of PA529. Seems like if one earns 20,000 SAGE tuition reward points then $20,000 will be the discount he/she will receive. Pretty nice! Do you know this feature is available with Vanguard 529 Nevada? Now It became a bit ...
by AllenSmith
Sun Jul 24, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rate Our Monthly Budget
Replies: 13
Views: 1942

Re: Rate Our Monthly Budget

Do you guys think the $600 food budget is within a good range? We are already over by about $50 on the food. I don't know if we need to just be more careful or if $600 is low. For some reason, I see it as high. You'd assume $100/week for groceries and then $200 for nice dinners/fast food every now ...
by AllenSmith
Sun Jul 24, 2016 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Rate Our Monthly Budget
Replies: 13
Views: 1942

Re: Rate Our Monthly Budget

Looks really good!
by AllenSmith
Sun Jul 24, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 12125

Re: Early retirees, at what age did you "retire"? Is it working out?

Retired at 49 in 2012 (now 53) in HCOL (NYC) area. Wife and I both had mega corp careers, accumulating savings of ~50x annual household expenses / taxes. Withdrawal rate in retirement is around 2% until our DB pensions commence at age 60. Our son starts college next month. No desire to return to pa...
by AllenSmith
Mon Jul 11, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: What is your taxable account investing strategy?
Replies: 29
Views: 4405

Re: What is your taxable account investing strategy?

My strategy is to pay off all debts, including mortgage debt, before investing in accounts that are not tax advantaged. You realize you are paying 3.5% on your mortgage, minus a tax deduction....call it 2.75%. Do you expect equities to return less than 2.75% over the life of your remaining mortgage...
by AllenSmith
Sat Jul 09, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 67330

Re: Picking College and College Scholarships

http://news.bitofnews.com/malcom-gladwells-mindblowing-theory-on-why-its-better-to-be-a-big-fish-in-a-small-pond/ OP, You may want to read the above article too. Aka, MIT / Stanford may not be good for you kid. KlangFool Thank you. I'll check it. Both my boy and I have read David and Goliath. We ta...
by AllenSmith
Wed Jul 06, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: No Company Match Until 1 Year of Service?
Replies: 30
Views: 3926

Re: No Company Match Until 1 Year of Service?

You cannot even contribute to the 401(k) at my old employer until after 12 months of service.
by AllenSmith
Sun Jul 03, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Money or Fulfillment [quit unsatisfactory job]?
Replies: 27
Views: 3644

Re: Money or Fulfillment [quit unsatisfactory job]?

Quick update, I've been off Bogleheads for quite some time. I did end up leaving my decently paying, yet soul-sucking job about a year ago. I took a risk and jumped into a 30% pay cut at a non-profit, but my commute was also cut by about 90%. 6 months after starting I negotiated a raise that brough...
by AllenSmith
Mon Jun 27, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 2128

Re: American Express Preferred feeble

The random "amex offers" are super valuable too it seems. Have you taken advantage of those offer as well. For example, I have a 10% off my cell phone bill (up to $30) right now through June 30th. I just prepaid $300 to my cell phone. Not bad. Just looked at my Amex offers and do not see this one. ...
by AllenSmith
Sun Jun 26, 2016 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Using Alternative Valuation to Further Step-Up Basis
Replies: 9
Views: 1235

Re: Using Alternative Valuation to Further Step-Up Basis

I've had my accountant look into this issue. I believe (as he, and the estate lawyer have spoken several times on the matter) that the Alternate Valuation Date (AVD) can only be used to reduce taxes, if the estate value has dropped after the date of death. If for example, your entire portfolio is $...
by AllenSmith
Sun Jun 26, 2016 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Preferred fee [Blue Cash Preferred fee raised]
Replies: 19
Views: 2128

Re: American Express Preferred feeble

The random "amex offers" are super valuable too it seems. Have you taken advantage of those offer as well. For example, I have a 10% off my cell phone bill (up to $30) right now through June 30th. I just prepaid $300 to my cell phone. Not bad. Just looked at my Amex offers and do not see this one. ...