Search found 177 matches

by Raladic
Wed Jan 11, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: tIRA or rIRA - changing household income
Replies: 1
Views: 175

Re: tIRA or rIRA - changing household income

Yes you should be able to open one now, the Brokerage doesn't care (or know) about your limits for account opening. The limits only matter with regards to contributions. Yes it may make sense to still open a Roth IRA if you anticipate that you will stay in this higher tax bracket for a while, as it ...
by Raladic
Tue Jan 10, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?
Replies: 28
Views: 3491

Re: Chase $500 Bonus For New Checking/Savings Accounts - Worth It?

I did it this year.
Took about 30 minutes in the branch, I gave him a check for the $15,000 for the savings account and all was good, easy.
by Raladic
Mon Jan 09, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 25749

Re: Chase Sapphire Reserve: Too good to be (completely) true

What reason did they give you for the refusal? Lack of recent installment loan info Too few accounts currently paid as agreed - we have 2 accounts which are always paid in full each month Balances on revolving accounts are too high compared with credit limits - we don't carry any balances Too many ...
by Raladic
Tue Nov 29, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Money and Phone Abroad
Replies: 23
Views: 1977

Re: Money and Phone Abroad

I went to University in England myself. She should get a bank account once she is there, pretty much all banks in England offer a free bank account for students, all she will need to bring is a letter from the University to confirm she's studying there and they will open an account on the spot for h...
by Raladic
Tue Nov 29, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Artificial Christmas tree
Replies: 27
Views: 2126

Re: Artificial Christmas tree

I have a 6.5" artificial tree, it comes apart into 3 sections and the branches fold up, so it fits into a box that's about 4ft long and 10x10in wide. I have a separate chain of lights to put on, which really only takes a minute and if they ever fail I just replace them easily, but the tree will...
by Raladic
Tue Nov 29, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Credit Card bonuses
Replies: 19
Views: 2634

Re: Credit Card bonuses

I just got a $500 bonus from the chase sapphire preferred and another $500 for my wife. $1000 for doing almost nothing differently was pretty nice. I'm new to this. How many different cards per year can you do this on and not have your credit score drop significantly? I hear stories of people "...
by Raladic
Tue Nov 22, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: How Much Housing Payment Can a Boglehead Afford?
Replies: 90
Views: 4674

Re: How Much Housing Payment Can a Boglehead Afford?

This is very area specific. If you live in a HCOL area, you may very well have to spend more than a prescribed formula, unless you want to do a 1-2 hour commute each way. Just as KlangFool said - you should get something that meets your housing needs and makes financial sense in terms of rent-vs-buy...
by Raladic
Tue Nov 22, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 121
Views: 12706

Re: TaxAct pre-purchase discount

I pre-ordered a few months ago at $23.99 for download Plus version.

More than last year, but still less than half of competing products..
by Raladic
Tue Oct 18, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Wireless Headphones
Replies: 17
Views: 1644

Re: Wireless Headphones

Keep in mind that signal transmitting (wireless) devices have to be turned off during take-off, taxi and landing per FAA regulations.
by Raladic
Mon Oct 17, 2016 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing After 1 Year
Replies: 39
Views: 3029

Re: Refinancing After 1 Year

Yes it's a good idea and no there is no catch, rates just have gone down a little bit.

However, 3.75% sounds high.
https://www.provident.com is quoting 3.25% at the moment, so you should be able to get 3.5% pretty much at no cost.
by Raladic
Mon Oct 17, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 258
Views: 22821

Re: How much is your cell phone bill?

Carrier: Verizon
Number of Lines: 1
Unlimited text msgs: Yes
4G Data?: Yes 2gb/month +rollover from the previous month
Monthly Cost (including taxes): $53

Reception is very important for me, I go skiing in the mountains a lot, so certain carriers like T-mobile are not an option.
by Raladic
Tue Oct 04, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 4165

Re: Credit cards that have annual fee's, do you have any?

Chase Sapphire Preferred ($95).
The travel benefits are pretty valuable and also this card (as one of the very few) has primary rental car insurance.
by Raladic
Tue Oct 04, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 0% Financing on new car (Subaru)...how much to put down upfront?
Replies: 13
Views: 1439

Re: 0% Financing on new car (Subaru)...how much to put down upfront?

I purchased a Subaru a couple years back with a similar deal, 0% on a 48 month loan. I put the most down I could on my CC for points, then nothing else. This is exactly what we did, 2 months ago, even though we could have paid with cash. +1 I did just that a few weeks ago, that way you earn an inst...
by Raladic
Wed Sep 21, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 2891

Re: Prepay Mortgage: Does the length of time you live in the home matter?

Looks to me like it's right on target for the OP. They're talking about refinancing to a 10 year mortgage, which would make their minimum mortgage payment about $2345 more than their current payment for P&I. Plus they say "...After taxes and expenses we have 12 - 15k a month..." ...An...
by Raladic
Tue Sep 20, 2016 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 2891

Re: Prepay Mortgage: Does the length of time you live in the home matter?

To give you an example: If you owe $475,000 at 3.25% with 28. years remaining the payment for P&I is $2154.94 per month, and the total interest paid will be $249,061. If you were to pay $2,500 per month extra to reduce the principal balance starting now, the $4654.94 per month will pay it off i...
by Raladic
Wed Aug 10, 2016 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: My friend doesn't meet the requirements for a conforming loan.
Replies: 32
Views: 2353

Re: My friend doesn't meet the requirements for a conforming loan.

Sell the house. Start fresh. That is probably the best advise. You're saying you can't find a broker in your area - you don't necessarily need to meet with one in person - nowadays you can just refinance online, pretty much via email and in the end a notary will come out to sign the papers. It woul...
by Raladic
Wed Aug 10, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 76
Views: 5660

Re: Fidelity customers: Have you experienced pressure to buy active funds?

I'm with Fidelity for 6 years and they've never tried to upsell me, so short and longer answer is no - in fact even on their homepage the main banner does quite the opposite, it advertises low cost index funds - https://www.fidelity.com/mutual-funds/investing-ideas/index-funds (that are in fact chea...
by Raladic
Mon Apr 18, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Laptop - Touch Screen?
Replies: 22
Views: 1872

Re: Laptop - Touch Screen?

I have a convertible 10" laptop/tablet at home where I can rip off the keyboard when I only need the tablet portion and I find the touchscreen very handy even with the keyboard attached for when I'm browsing on the couch, basically I use the keyboard for typing but the touchscreen for clicking ...
by Raladic
Thu Apr 07, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Underwater Mortgage Cash-in refinance
Replies: 7
Views: 837

Re: Underwater Mortgage Cash-in refinance

Are you sure the new quote at 95% LTV doesn't require PMI?

If there's PMI involved then your calculation will look different since either your closing costs or your monthly costs will be higher.
by Raladic
Fri Apr 01, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 135
Views: 22968

Re: Renting forever: financial suicide?

you can stay in a rental indefinitely, you are not forced to move every few years. landlords like stable renters. That really depends on the area you live in. In the greater Seattle area, rents usually go up by $200 or more per month at renewal time, so very few people stay in an apartment more tha...
by Raladic
Mon Mar 28, 2016 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: What is your current Cash to Investment ratio?
Replies: 112
Views: 7632

Re: What is your current Cash to Investment ratio?

It's an interesting question. So far most people replied with very low percentages, which leads me to believe they are much later in their stage of life. I'm in my 20s so just started recently and my ratio is much higher at 28% at the moment. While some people mentioned credit cards as emergency fun...
by Raladic
Fri Mar 25, 2016 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: sell now or wait for $35,000?
Replies: 16
Views: 2803

Re: sell now or wait for $35,000?

Do it sooner rather than later, but also make sure that you have a signed copy of satisfaction of claims when handing over the check from her to be filed with the court so you have proof that you have satisfied the ordered conditions of the court.
by Raladic
Thu Mar 24, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: $184,000? How do you like your cell phone now?
Replies: 59
Views: 6829

Re: $184,000? How do you like your cell phone now?

So are you willing to give up 184,000 at retirement for a phone? Thoughts? I just redid the math and come out considerably less at $26,410 given up for choosing to upgrade to the latest IPhone every year for a 40 year until retirement time span. Phone plan: Cricket at $35 (including all taxes and f...
by Raladic
Wed Mar 16, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Best Value TV purchase
Replies: 38
Views: 3763

Re: Best Value TV purchase

I'd say Vizio is great value, most of them are already Smart so will provide you with access to Netflix, Amazon and the likes.

Costco usually has a couple of options in stock.
by Raladic
Mon Mar 14, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger mortgage for lower rate?
Replies: 7
Views: 989

Re: Bigger mortgage for lower rate?

You're mentioning the rate, but is it also the APR? Aka if the closing costs are the same in as such the APR for the Jumbo then would also be lower real, then absolutely, put less down, get the Jumbo loan with the better rate and then just pay down a large amount towards the principal once the mortg...
by Raladic
Sat Feb 27, 2016 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank wants tax returns for a credit card???
Replies: 50
Views: 7523

Re: Citibank wants tax returns for a credit card???

However, as I understand it, multiple pulls within a 45 day period do not hurt your credit as it is considered shopping around. I am not clear that this would be considered another hard pull either anyway. I'd be careful about that, there is shopping around for Mortgages, and the inquiries will lis...
by Raladic
Sun Feb 21, 2016 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Tax and penalty on changing to roth ira
Replies: 18
Views: 1479

Re: Tax and penalty on changing to roth ira

Was the IRA deductible or non Deductible? If it was a deductible then yes, converting to a Roth would be a taxible distribution. YB OP didn't do a Conversion - or at least that is not what he intended. Perhaps but 1099-R indicates that's what is was counted as. Probably time to call a VG rep. YB Is...
by Raladic
Sat Feb 20, 2016 12:05 am
Forum: Personal Consumer Issues
Topic: Uber, Lyft, or car-for-hire from Seattle Airport?
Replies: 17
Views: 2034

Re: Uber, Lyft, or car-for-hire from Seattle Airport?

At usually $24 to downtown Uber is far preferable to taxi or towncar, and faster. So you're jumping through hoops to save $5? If you want to travel in a car, then Eastside for hire is the cheapest option out there full stop. For Bellevue it's $35 flat rate, you just pre book from the website. http:...
by Raladic
Thu Feb 18, 2016 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Flyer miles worth it?
Replies: 40
Views: 3606

Re: Flyer miles worth it?

Sometimes a mile in flyer rewards is worth more than the nominal $0.01 when redeemed for travel, so yes, it can be worth it.
by Raladic
Tue Feb 16, 2016 2:34 am
Forum: Personal Finance (Not Investing)
Topic: How to save money and keep the house clean?
Replies: 48
Views: 6227

Re: How to save money and keep the house clean?

If your house is mostly flat, maybe look at a robot vacuum, takes one less thing to do and will pay for itself with the time you save and can dedicate to other things.
by Raladic
Mon Feb 15, 2016 1:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage
Replies: 30
Views: 2664

Re: Should I refinance my mortgage

Refinancing options 1. 15 year fixed - Rate : 2.625% - APR : 2.766% - Monthly Payment : $2,320 - Closing Cost : $4,676 2. 30 year fixed - Rate : 3.125% - APR : 3.299% - Monthly Payment : $1,477 - Closing Cost : $8,632 Since you mentioned that you are currently paying $1500-$2000 more on your monthl...
by Raladic
Sun Feb 14, 2016 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA to Fidelity 401k transfer question
Replies: 6
Views: 854

Re: Vanguard IRA to Fidelity 401k transfer question

Was the letter from Fidelity or Vanguard? It could be that Fidelity tried to submit using their own forms (which I assume is what you filled in with the help of the Fidelity rep?) to Vanguard and Vanguard is trying to slow down things, maybe in the hope you won't move the funds in the end by forcing...
by Raladic
Sun Feb 14, 2016 2:08 am
Forum: Personal Finance (Not Investing)
Topic: 401K VS Taxable Account - Math on Return After 30 Years
Replies: 15
Views: 1214

Re: 401K VS Taxable Account - Math on Return After 30 Years

What am I overlooking? Should the initial taxable contribution be $10K * (1 - 0.25 - 0.06) = $6900? Actually taking this one step further (just to be truly accurate) It would have to be $10k * (1 - 0.25 (inc tax) - 0.062 (soc sec) - 0.0145 (medicare)) = $6,735. The 0.06 is the state tax rate. As it...
by Raladic
Sun Feb 14, 2016 1:30 am
Forum: Personal Finance (Not Investing)
Topic: 401K VS Taxable Account - Math on Return After 30 Years
Replies: 15
Views: 1214

Re: 401K VS Taxable Account - Math on Return After 30 Years

What am I overlooking? Should the initial taxable contribution be $10K * (1 - 0.25 - 0.06) = $6900? Actually taking this one step further (just to be truly accurate) It would have to be $10k * (1 - 0.25 (inc tax) - 0.062 (soc sec) - 0.0145 (medicare)) = $6,735. And that your entire premise is on th...
by Raladic
Wed Feb 10, 2016 10:43 pm
Forum: Personal Consumer Issues
Topic: How do you use your Chase Freedom rewards?
Replies: 35
Views: 5448

Re: How do you use your Chase Freedom rewards?

One thing to keep in mind for all of you using it to buy gift cards for Amazon & co and then using them - unless there's a discount on the gift cards (or you are buying them to actually gift to someone else), you are technically giving away some small future money this way since it means you wil...
by Raladic
Mon Feb 08, 2016 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance? - 85% LTV, 30-Year Fixed, 5.5% to 15-year Fixed, 2.99%
Replies: 65
Views: 3821

Re: Should I Refinance? - 85% LTV, 30-Year Fixed, 5.5% to 15-year Fixed, 2.99%

There's usually a max and the adjustable part is linked to an index like the LIBOR. You will often find 5/2/5 arms, which means that your rate can only go up by a maximum of 5%. Here's some more information on the typical terms of ARMs: http://www.geeksonfinance.com/about_6123100_5_2_5-libor-home-lo...
by Raladic
Mon Feb 08, 2016 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance? - 85% LTV, 30-Year Fixed, 5.5% to 15-year Fixed, 2.99%
Replies: 65
Views: 3821

Re: Should I Refinance? - 85% LTV, 30-Year Fixed, 5.5% to 15-year Fixed, 2.99%

But, I'd have less invested in principal and thereby will receive less at the time of closing on the sale of my current home, right? When it comes to your primary home, the word "investing" is a careful one to pick (as many on this forum will point out), but yes, in essence your point is ...
by Raladic
Mon Feb 08, 2016 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance? - 85% LTV, 30-Year Fixed, 5.5% to 15-year Fixed, 2.99%
Replies: 65
Views: 3821

Re: Should I Refinance? - 85% LTV, 30-Year Fixed, 5.5% to 15-year Fixed, 2.99%

I'm not sure I understand what you mean. I am currently saving for a down payment on my next home (irrespective of the sale of this current home). If I can get a good price and get some solid equity out of the sale (and make a decent profit), then great. I can apply that to the down payment and may...
by Raladic
Tue Feb 02, 2016 1:45 am
Forum: Personal Consumer Issues
Topic: Stovetop Tea Kettle Recommendations?
Replies: 22
Views: 2049

Re: Stovetop Tea Kettle Recommendations?

Electric kettle, just has an on-off and it automatically turns off once water is boiled so no worries about water spilling over (vs stovetop that will happily bubble away).
by Raladic
Mon Feb 01, 2016 12:27 am
Forum: Personal Consumer Issues
Topic: Which app/plan do you use to make calls to overseas?
Replies: 40
Views: 2421

Re: Which app/plan do you use to make calls to overseas?

I mostly use Skype. If you have a Office 365 Subscription, you already have 60 minutes free per month to landlines in many countries. And you can assign 'Skype to Go' numbers to your contacts abroad, so you can just call a US number using your phone without the need to use any data and it will dial ...
by Raladic
Sun Jan 31, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 12109

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

Using TaxAct for the 3rd year in a row now.

Decent price (I sign up for next years version around April and it's been close to $10 every time) and I like that I can switch between Forms and Q&A view at any time to check that my entries have carried onto the Forms as they should.
by Raladic
Wed Jan 27, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2635

Re: Best Netflix/YouTube interface for the Big Screen?

I use my Xbox One as my main central device, works great and has voice control, so if you quickly run to the kitchen you can just talk to the xbox like "Xbox Pause".
by Raladic
Wed Jan 13, 2016 2:12 am
Forum: Investing - Help with Personal Investments
Topic: Why is there no vanguard competitor?
Replies: 48
Views: 6812

Re: Why is there no vanguard competitor?

Sorry, that is prevarication - Vanguard is not being sued over their business structure at this time by any entity. The one lawsuit was dismissed with prejudice (which means Danon can't re-file the suit). My statement was merely to add a theory as to why no other company has followed with their str...
by Raladic
Tue Jan 12, 2016 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Why is there no vanguard competitor?
Replies: 48
Views: 6812

Re: Why is there no vanguard competitor?

I think the OP makes a good point. There are many mutually owned insurance companies and credit unions so presumably there's room for more than one mutually owned index fund company It could be because other companies didn't get as creative as Vanguard with their company structure, which is why the...
by Raladic
Wed Jan 06, 2016 3:07 am
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 10924

Re: How do you organize your finances? Do you use Mint.com?

Also, is it completely safe to hook up all accounts? Thank you. Maybe, maybe not. But it most likely will cause you to violate your banks terms of service which say you are personally liable should fraud occur since you willingly gave your username and password to a third party. You have to decide ...
by Raladic
Mon Dec 07, 2015 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Friday, 1/1 pay is really 12/31 (different tax year)
Replies: 24
Views: 2735

Re: Friday, 1/1 pay is really 12/31 (different tax year)

My employer has 24 pay periods and it's always on the 15th and last day of the month, and if either of those dates fall on a bank holiday or weekend then it's the day before. So it guarantees that there's 24 pay periods every year and the payment date is expectably within that same tax year. As for ...
by Raladic
Sat Dec 05, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: Car for new teen driver?
Replies: 38
Views: 2198

Re: Car for new teen driver?

Typically the bigger the vehicle (think SUV) the less the pain for the driver IMHO. And the more damage they can do to others if they are the cause, so I think its a very bad fallacy to think to give your kids a giant car when it's shown there's a high likelihood of them being in an accident and ma...
by Raladic
Thu Dec 03, 2015 11:30 pm
Forum: Personal Consumer Issues
Topic: "Congratulations on your purchase!" (But why?)
Replies: 27
Views: 4303

Re: "Congratulations on your purchase!" (But why?)

As a Boglehead side note, it was very painful shelling out 10k for a boiler. Apparently it was necessary. This may be a bit off-topic on the thread, but when you say boiler, you mean your hot water tank? Are you running your own private hot water spa or what makes a usual $500 hot water tank from H...
by Raladic
Wed Dec 02, 2015 12:51 am
Forum: Investing - Theory, News & General
Topic: Is Real Estate Bond-Like?
Replies: 40
Views: 4338

Re: Is Real Estate Bond-Like?

"Investing" in individual real estate such as rental properties is much closer to speculation than investment. Sure you may make something in the short run, but so does investing in the next AAPL or MSFT. Historically real estate was about even with Inflation (based on the research as can ...

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