Search found 182 matches

by Keepcalm
Mon Apr 09, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: USAA Check Clearing Time
Replies: 7
Views: 495

USAA Check Clearing Time

So I use deposit mobile, scan check, done. Deposited 4/5 will not clear until 4/12. This has been happening on all my checks whether personal or payroll as I have been receiving hard checks from work until I figure out who I'm going to remain banking with. Is this 7 day period within normal time par...
by Keepcalm
Fri Apr 06, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Are we in bear territory?
Replies: 49
Views: 6081

Are we in bear territory?

How close are we to a 20 point drop? And what range of months does it require that 20 point drop to be within? Where are we at now?

Thanks.
by Keepcalm
Wed Mar 28, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12646

Re: Healthy eaters -- is this grocery budget normal to you?

Very curious on the responses to come on this post. I am also one who is on the verge of making quality of foods one of the highest priorities on my budget. Right now I buy supermarket meats etc and often grab what is there and of normal market price. However now I'm looking into going direct to a l...
by Keepcalm
Mon Mar 12, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard now charging $10.00 wire fee
Replies: 33
Views: 3830

Re: Vanguard now charging $10.00 wire fee

Clever_Username wrote:
Mon Mar 12, 2018 9:24 am
I just want to double check: when my taxable account distributions are sent to my checking account (not at Vanguard), this doesn't bring up a $10 charge, does it?

If it's just for people in a rush to get the money, I'm fine with that.
Correct. Just wires.

Your ACH transfers are no charge.
by Keepcalm
Mon Mar 12, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard now charging $10.00 wire fee
Replies: 33
Views: 3830

Re: Vanguard now charging $10.00 wire fee

I think it's an issue with principle, not so much how often one needs a wire.

When VG eventually implements other fee's that are foreign to their roots I will remember getting razzed over this. :wink:
by Keepcalm
Mon Mar 12, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard now charging $10.00 wire fee
Replies: 33
Views: 3830

Vanguard now charging $10.00 wire fee

When you were in a time pinch and needed to wire funds from your VG account to a bank account you were able to wire free of charge.

Just got off the phone with VG and now unless your a flagship customer you are hit with a $10.00 fee (as of 2/15).

All good things come to an end?

Bummer.
by Keepcalm
Thu Feb 22, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Terminology question: what does "losing money" mean?
Replies: 71
Views: 3079

Re: Terminology question: what does "losing money" mean?

If I could insert a Michael Jackson eating popcorn meme this is where I’d do it.

Standing by.
by Keepcalm
Tue Feb 13, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Start job without quote signed?
Replies: 4
Views: 398

Re: Start job without quote signed?

It’s self employment work I do on the side. Contractor work. It was a quote with price, dates and a breakdown of the work that will be performed.

Signed agreement I would call it. Which I thought protects me if I’m stiffed?
by Keepcalm
Tue Feb 13, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Start job without quote signed?
Replies: 4
Views: 398

Start job without quote signed?

A quote was sent over to be signed and returned to me. They verbally accepted it over an email however I have not received it back signed yet. Am I out of line if I do not start the job unless I receive the quote signed? Tentative start date is tomorrow and requires a commute. Or do I just go and gi...
by Keepcalm
Tue Feb 13, 2018 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 80
Views: 9756

Job is starting to suck the life out of me.

Am I just naive at 31? I try to take initiative to help out the department and they could all care less and I'm not even looking for a pat on the back. Just their demeanor speaks volumes. Including the head tech and the supervisor. Makes me just want to do enough while on shift just to get by under ...
by Keepcalm
Fri Feb 09, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 913

Re: 0% 18/MO.Balance Transfer w/2% fee

Scared money doesn't make money!
by Keepcalm
Fri Feb 09, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: 0% 18/MO.Balance Transfer w/2% fee
Replies: 17
Views: 913

0% 18/MO.Balance Transfer w/2% fee

What are some opinions on using this to invest?
by Keepcalm
Thu Feb 08, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 9004

Re: Tenants want to break lease early and is pregnant

They pay the two months. Period.
by Keepcalm
Thu Feb 08, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Loan advice for a friend
Replies: 2
Views: 193

Re: Loan advice for a friend

So let me get this straight...... Your friend wants to save more. So his idea is to take some of his $20k savings and use it up. So he can save more. This is why America can't even pay for a $400 emergency out of savings. I understand that outlook. Just trying to offer him some advice. If he just s...
by Keepcalm
Thu Feb 08, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Loan advice for a friend
Replies: 2
Views: 193

Loan advice for a friend

He purchased a motorcycle while he was living with a girlfriend and they were splitting rent. He now wants to end the relationship however before doing so he wants to free up a little more savings rate than he has now just to be safe. He does not want to get rid of the bike, however something needs ...
by Keepcalm
Wed Feb 07, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on non retirement & retirement accounts
Replies: 16
Views: 610

Re: 75k Cash sitting in wellsfargo

I wouldn't leave $.01 with Wells Fargo. Evil bank.
by Keepcalm
Wed Feb 07, 2018 4:33 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3673

Jogging in the cold.

I have heard both sides of it and wanted to ask the runners on here what the verdict is on running in colder weather and if its healthy or not.

It is 18* out right now.

Thanks.
by Keepcalm
Tue Feb 06, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 15218

Re: Vanguard site is crashed now?

Fidelity is now down.
by Keepcalm
Tue Feb 06, 2018 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Understanding cost basis.
Replies: 6
Views: 398

Re: Understanding cost basis.

Hope all that makes sense
by Keepcalm
Tue Feb 06, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Understanding cost basis.
Replies: 6
Views: 398

Understanding cost basis.

So I sold VOO and VXF a few weeks ago to covert over to VFIAX. Now I only see cost basis for VFIAX which is obviously a loss, however its as if it is not computing my gains from VOO and VXF into it. I had a decent chunk of unrealized gain in both of them that have now become realized when I sold the...
by Keepcalm
Tue Feb 06, 2018 12:18 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 47211

Re: Today was a Really Bad Day

I only invest what I can afford to lose and what I will not need for another 20+ years, so I see this situation as more of an opportunity than anything. I'm also 100% equities (domestic). However I know not everyone is 31 and I hope everyone ends up ok on the other end of whatever this is. Times lik...
by Keepcalm
Mon Feb 05, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371584

Re: U.S. stocks in freefall

Can someone explain to me how VIX is up 115% right now?

So confused.
by Keepcalm
Mon Feb 05, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 252
Views: 214245

Re: A time to EVALUATE your jitters

oldzey wrote:
Mon Feb 05, 2018 3:34 pm
100% stocks anyone? 8-)
I’m 100% and it hurts lol.
by Keepcalm
Mon Feb 05, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3680

Re: Calling it right now.

And here's how they could do it. GE is the leading manufacturer of diesel-electric locomotives, with about 60% market share. When braking, these locomotives reverse the function of the traction motors, which then convert huge amounts of kinetic energy into electricity, something like 700 amps at 60...
by Keepcalm
Mon Feb 05, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3680

Re: Calling it right now.

Keepcalm....I think it is premature to write off GE. They have been around for a long, long time - and have weathered multiple crises. If you are looking to make a quick buck with GE, I would not do that. If you are looking for a long term play (i.e. 20+ years), it is worth considering. My wife rec...
by Keepcalm
Mon Feb 05, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3680

Re: Calling it right now.

Jack FFR1846 wrote:
Mon Feb 05, 2018 11:50 am
Or Polaroid in 2007.
haha. You do know your comparing a camera & film manufacturer to a major manufacturer in aerospace, energy...among many other sectors.
by Keepcalm
Mon Feb 05, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Calling it right now.
Replies: 18
Views: 3680

Calling it right now.

Investing in GE today will be like investing in Chipotle back in 2004...or Amazon in the 90's.
by Keepcalm
Mon Feb 05, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Maxed, Have More To Invest
Replies: 5
Views: 676

Roth IRA Maxed, Have More To Invest

So my Roth IRA is already maxed for 2018 and I have spare cash right now I want to invest..just small around 3K. I do not have a 401(k) at work as it is a state job. I do however have a Governmental 457(b) but its an absolute PITA to change my contributions. I would be required to fill out a payroll...
by Keepcalm
Mon Feb 05, 2018 5:45 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1027

Re: 3rd Shifters, Seeking Advice.

Thanks for all the feedback I will certainly cherry pick some of the recommendations out of these replies. Im going to re-group with this information and stick to a strict schedule for a few months and see if things improve. There are a lot of suggestions in these replies that I have not followed so...
by Keepcalm
Mon Feb 05, 2018 2:08 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1027

Re: 3rd Shifters, Seeking Advice.

Thanks for the input, however it's pretty alarming the feedback on actually switching back to a normal shift.

From what I'm reading it has actually turned out more difficult than acclimating to 3rd shift in itself?

That alone worries me more than what I'm tackling now.
by Keepcalm
Mon Feb 05, 2018 1:23 am
Forum: Personal Consumer Issues
Topic: 3rd Shifters, Seeking Advice.
Replies: 11
Views: 1027

3rd Shifters, Seeking Advice.

I have been working 11PM-7AM M-F and then I have Saturday, and Sunday night off returning to work Monday night. I began this schedule in May and I have tried to be patient with the acclimation. It is now February and I still feel like all I do when I'm not on shift is sleep. I have tried flip floppi...
by Keepcalm
Sun Feb 04, 2018 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Today was a Really Bad Day
Replies: 278
Views: 47211

Re: Today was a Really Bad Day

For my short time in the market this is my biggest loss and its actually relieving because I can now say "Well, I can't pull out now...i'm committed" where as during the rally it was easy to say "well maybe I should use some to pay this or that off" etc.

If this makes sense?
by Keepcalm
Thu Feb 01, 2018 11:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8417

Re: Anyone else cashing out on *some* of the crazy earnings?

Someone correct me if I am wrong, but your going to net a loss at the end of this day based on the fact your eating a tax hit to pay off a 0% loan. I would think that the APR on whatever it is you want to payoff would need to equal a greater amount than the taxes you would incur for the transaction ...
by Keepcalm
Tue Jan 30, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371584

Re: U.S. stocks in freefall

The comical thing about all of this is if Trump sounds confident tonight equities will be right back up tommorow.
by Keepcalm
Mon Jan 29, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Sense of security with ETF's?
Replies: 10
Views: 972

Re: Sense of security with ETF's?

Boy did I open a can!

It was more of a question than a statement. I was looking for the proper answer and I got it! :mrgreen:
by Keepcalm
Mon Jan 29, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Sense of security with ETF's?
Replies: 10
Views: 972

Sense of security with ETF's?

If things hit the fan and you ever needed to sell off. For obvious reasons being able to instantly sell off versus being forced waiting until the closing bell.

Thoughts?
by Keepcalm
Mon Jan 29, 2018 1:32 am
Forum: Personal Finance (Not Investing)
Topic: Applying for a different position internally.
Replies: 5
Views: 470

Applying for a different position internally.

I have to ask if this ever creates tension for someone who applies for a different position internally and does not actually get the position so they remain in the same department.
by Keepcalm
Sun Jan 28, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: Dirty Money on Netflix
Replies: 3
Views: 1707

Dirty Money on Netflix

Just putting an interesting documentary series out there for fellow Bogleheads. Just came out over the weekend.

Cheers.
by Keepcalm
Sat Jan 27, 2018 1:27 am
Forum: Personal Finance (Not Investing)
Topic: Take loan off net worth?
Replies: 17
Views: 1139

Take loan off net worth?

So I have a Harley Davidson financed through a local CU. I have absolutely no plans on ever tossing the bike. If this is the case, would it be considered appropriate to delete the liability(loan) and asset (bike value) off of quicken and just categorize the payment each month as an expense versus ho...
by Keepcalm
Sat Jan 27, 2018 1:01 am
Forum: Personal Finance (Not Investing)
Topic: I feel this is a dumb question.
Replies: 3
Views: 1006

Re: I feel this is a dumb question.

moghopper wrote:
Sat Jan 27, 2018 12:43 am
Keepcalm wrote:
Sat Jan 27, 2018 12:37 am
What would I classify my Income Tax Return "inflow" under in Quicken?
Tax:Federal or Tax:State is what I classify it as. It allows me to do this for a payment or a refund.
Perfect, thank you.
by Keepcalm
Sat Jan 27, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: I feel this is a dumb question.
Replies: 3
Views: 1006

I feel this is a dumb question.

What would I classify my Income Tax Return "inflow" under in Quicken? Obviously not Personal Income....so I'm a little confused.

Thanks.
by Keepcalm
Thu Jan 25, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Classifying rent income from a flatmate
Replies: 4
Views: 543

Re: Classifying rent income from a flatmate

I'm not sure the OP cares about US income taxes. Americans tend to say "roommate" while the British say "flatmate" (I'm assuming). But if the OP is focusing on budgeting, I think applying it to the rent so that the OP's rent is half as much, would be the way to go. But on the other hand, I hope tha...
by Keepcalm
Wed Jan 24, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Classifying rent income from a flatmate
Replies: 4
Views: 543

Classifying rent income from a flatmate

When tracking cashflow in excel or quicken etc., would you input rent money received from a flatmate as an Income inflow or would you list is under rent so that is just offsets the category cost of your rent. For example, lets assume your receive $700.00 from your flat mate for rent each month, you ...
by Keepcalm
Tue Jan 23, 2018 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Compensation for vehicle travel
Replies: 8
Views: 753

Compensation for vehicle travel

New to self employment/contracting so I'm still feeling this out, however if a company reached out to you for your services on one of their properties what would you charge for your time commuting in your own vehicle? I'm talking about everything from gas, wear and tear, and your time spent travelin...
by Keepcalm
Thu Jan 18, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 6884

Re: Hot Water Delay at faucet/shower far from water heater

If you have ever removed the bottom heating element of a water heater and seen how savagely disgusting the deposit buildup can be you would not drink your hot water.
by Keepcalm
Wed Jan 17, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Contribution for 2018
Replies: 10
Views: 667

Re: Roth Contribution for 2018

I believe your combined income is too high to file jointly and contribute to a Roth. If you both file separately you just have to be under 120k to have full eligibility. Once over 120k you start getting your contribution limit reduced. This is to the best of my knowledge. I'm sure others will chime ...
by Keepcalm
Tue Jan 16, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Fund Order Timing
Replies: 3
Views: 340

Vanguard Index Fund Order Timing

If I execute a buy for a Vanguard Index fund prior to 4PM do I get that days value update or next day value update?

Pretty much if I order within the next hour will I get tonights update price?
by Keepcalm
Tue Jan 16, 2018 12:29 am
Forum: Investing - Theory, News & General
Topic: [Mark Cuban -] "Diversification is for idiots..."
Replies: 26
Views: 3878

Re: Diversification is for idiots...

I'm just dumbfounded a man like him would say that.
by Keepcalm
Mon Jan 15, 2018 11:57 pm
Forum: Investing - Theory, News & General
Topic: [Mark Cuban -] "Diversification is for idiots..."
Replies: 26
Views: 3878

[Mark Cuban -] "Diversification is for idiots..."

So after reading and pretty much shadowing Buffet's investing philosophy I ran into this video and now I'm scratching my head and questioning if I should hold cash. Or is he just arrogant and enjoys hearing his own voice? It's a video of Mark Cuban stating diversification is for idiots. https://www....
by Keepcalm
Wed Jan 10, 2018 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Underwater 4-5k in vehicle.
Replies: 29
Views: 1809

Re: Underwater 4-5k in vehicle.

I should have been a little clearer. I'm not looking to bake it into the next vehicle. I would either make a cash payment on my vehicle to bring it down or hand the dealer a check for the difference. I'm fine financially. I just wanted to resolve this rationally. Sounds like I need to have more pati...