Search found 865 matches

by dbltrbl
Tue Nov 21, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 26
Views: 2812

Re: where should I put my direct deposit?

if your employer allows, I put majority in bank/Credit union checking account and say 100.00 per month in Vanguard MM account. After 2 or 3 months if you have too much in checking account put 150-200 in Vanguard MM and less in checking account until you figure out optimum division.
by dbltrbl
Fri Nov 17, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3106

Re: Electric Car (Nissan Leaf) for a teen driver?

For the kind of driving you are talking, Leaf would be just fine. If she was driving on highway, I would be concerned not on city streets.
by dbltrbl
Thu Nov 16, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5097

Re: Where did you first learn about investing?

For the first time used to hear Don MacDonald ( May be different last name) on Business radio network. He mentioned Vanguard group and few others. So I started in 1989-90 putting 37 dollars a month in health care. Biggest lucky break for me. Starting 1994 S & P 500 and than switched over to total st...
by dbltrbl
Thu Nov 16, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Cashed out Inherited IRA used to justify IRA contribution?
Replies: 20
Views: 1161

Re: Cashed out Inherited IRA used to justify IRA contribution?

He can put upto 18000 in 401k, 403b etc and if the income below limit he can contribute to an IRA as well. In the scenario you described, yes s/he can contribute remainder of 10000 earned income to a traditional or Roth IRA.
by dbltrbl
Thu Nov 16, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Christmas Vacation on a budget
Replies: 16
Views: 1763

Re: Christmas Vacation on a budget

Look for them in January. :D :D
by dbltrbl
Wed Nov 15, 2017 5:02 am
Forum: Personal Finance (Not Investing)
Topic: What's the point of auto loan pre-approvals?
Replies: 12
Views: 1148

Re: What's the point of auto loan pre-approvals?

Join Pentagon Federal CU and know loan rates up front for a new or used Car. Some times you get a zero or very low rates from the manufacturer as well.
by dbltrbl
Sun Nov 12, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: How to make the most of remitting a large sum in foreign currency?
Replies: 5
Views: 434

Re: How to make the most of remitting a large sum in foreign currency?

Also call, find out http://www.jackfilled.com/index.html. They are out of Canada but specialized in INR transactions. No harm in getting your exchange rate.
by dbltrbl
Sat Nov 11, 2017 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: First 401(k)! Need help with fund choices.
Replies: 5
Views: 617

Re: First 401(k)! Need help with fund choices.

With no match, Put money in ROTH IRA and attack 173k of Debt. Get it out of way. If match than put up to maximum match.
by dbltrbl
Fri Nov 10, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5983

Re: Costco for tires and car insurance?

Costco fine for tires but not for insurance. Ameriprise in my area not even in ball park figure. If Costco too far or always busy for tire servicing, discount tires are fine too. ( Tire Discounters)
by dbltrbl
Thu Nov 09, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: IRA for children?
Replies: 3
Views: 255

Re: IRA for children?

Only if your child has legally earned income.
by dbltrbl
Thu Nov 09, 2017 7:08 am
Forum: Investing - Help with Personal Investments
Topic: How can I get my kids into Vanguard Primecap
Replies: 12
Views: 1680

Re: How can I get my kids into Vanguard Primecap

Just gift them 50-100 shares. Than they can buy up to 25000 dollars per year. As OP suggested call Vanguard or your representative.
by dbltrbl
Tue Nov 07, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13173

Re: How old are you and how much do you save for retirement a year

do the best you can. I had ZERO savings at 34. STAY FRUGAL AND NO TRADING OF FUNDS. You will be fine. More you can save now, better in long run.
by dbltrbl
Tue Nov 07, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5528

Re: Eye Doctor $30 to get your Rx? Is this normal?

Most ophthalmologists charge for refraction extra 30-50 dollars. My insurance covers it but my Dr.'s office charges me and reimburses after my insurance pays for it.I think charge was for refraction not writing a sheet of paper.
by dbltrbl
Sun Nov 05, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Admiral vs Institutional Plus shares
Replies: 5
Views: 844

Re: Admiral vs Institutional Plus shares

Leave it at old 401K, as they typically have lower expense ratios than admiral shares. If you are also being charged new 5 dollars a month tax(fees) by Vanguard in that account you may move it to an IRA, admiral shares. Rep was correct it is not a big deal one way or other.
by dbltrbl
Sat Nov 04, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Transferring between terminals at Boston Logan Airport
Replies: 5
Views: 489

Re: Transferring between terminals at Boston Logan Airport

If she is on one ticket all the way to international destination, no need for her to get the luggage. Just her carry on and purse.
by dbltrbl
Sat Nov 04, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: 529 question: Are stipends given for MD-PhDs considered as scholarships ?
Replies: 17
Views: 1565

Re: 529 question: Are stipends given for MD-PhDs considered as scholarships ?

Just call up her undergraduate school, if they have MD-PHD and speak to some one higher up in payroll. That is most reliable. Alternatively, wait till she chooses a school than call them. Universities codes will decide scholarship, wages or some combination.
by dbltrbl
Fri Nov 03, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Condo or rent to Canadians?
Replies: 12
Views: 1367

Re: Should I keep the Condo or rent to Canadians?

put an ad in Toronto newspapers for week or two and you should be fine. You can check credit bureaus when you make the decision.
by dbltrbl
Thu Nov 02, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 44
Views: 3850

Re: Considering a LG 55" OLED TV

Keep in mind if you have CITI Costco card your warranty jumps to 4 years at no cost to you. Can not go wrong. Think twice about Best Buy, restocking fees and charge for warranties.
by dbltrbl
Wed Nov 01, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Limit Owner Use of Rental Home to Two Weeks?
Replies: 18
Views: 2529

Re: Limit Owner Use of Rental Home to Two Weeks?

I think you are confusing the rule. If you rent it out for more than two weeks a year and it is a rental property and you must declare income to IRS. If you rent out less than 2 weeks, no IRS consequences. In your case you can stay 3 or 4 weeks and than income shown will be lower.
by dbltrbl
Sun Oct 29, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2272

Re: VG free turbo tax?

No FREE TT at Fido for me either in 2016.
by dbltrbl
Sat Oct 28, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3314

Re: European Tours

There are variety of options. I will try to tell positives and negatives. Plus side, you do not deal with hotel reservations in different cities, no worry about language or transportation. In our case even the meals at decent places were included except 2 meals. On the flip side, you do spend good t...
by dbltrbl
Sat Oct 28, 2017 4:45 am
Forum: Personal Finance (Not Investing)
Topic: 401k catch up $ ?
Replies: 12
Views: 1646

Re: 401k catch up $ ?

If you need the money now, than do not put it in 401k. My suggestion is put in whatever extra you can, 2-4k (18k+) as it will compound for about 20 years before your RMD and you get tax deduction right now.
by dbltrbl
Wed Oct 25, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Air China out of Dulles-- your experience?
Replies: 5
Views: 478

Re: Air China out of Dulles-- your experience?

Much better service than United.
by dbltrbl
Sat Oct 21, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 5184

Re: Paying for medical school for son?

Our son went to an out of state medical school. We took maximum amount of Stafford loans available , interest free till 6 months after graduation. You cam always pay it off as soon as your son starts residency. This gives you more flexibility with your money. Feeling to quit medical school is real a...
by dbltrbl
Thu Oct 19, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Costco auto buying service vs All State car buying services???
Replies: 12
Views: 1575

Re: Costco auto buying service vs All State car buying services???

Use Costco or true Car as the starting point and go down 1000-5000 $s depending on the car price. Lower number for smaller less expensive cars, higher for Cars around 40000 and up. Settle for about 70 -80% of what you ask for in additional savings. For 2018 Models not 17.
by dbltrbl
Tue Oct 17, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 875

Re: Organized European Tours for Students

I would not send her. Price is way high. It is more like a military operation breakfast at 7 am and not in hotel most nights after 9 PM. We paid 2300 per person for a 14 day trip (Adults) and 3 meals (only 2 as breakfast at hotel) plus Airfare. We are both vegetarians but we required tour operators ...
by dbltrbl
Fri Oct 13, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Payoff Rental or lower Primary Loan -> Mortgage Deduction Interest Question
Replies: 14
Views: 675

Re: Payoff Rental or lower Primary Loan -> Mortgage Deduction Interest Question

Check with your current bank, holding mortgage. Terms will not be same if you convert it to a rental. Investment properties are treated differently. As to your question about paying off, I would pay off the current home (your future rental). This way you are dealing with less paperwork with a financ...
by dbltrbl
Sun Oct 08, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Change for a $20 requires ID!!
Replies: 22
Views: 2440

Re: Change for a $20 requires ID!!

It was their way of saying get lost. If they give you easily, next time you go in again and you are not their customer. This way they keep you out without kicking you out. :D
by dbltrbl
Tue Oct 03, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: FAFSA question; Fidelity 0.5% pension mgmt fee
Replies: 6
Views: 667

Re: FAFSA question; Fidelity 0.5% pension mgmt fee

Put the money in 4 in one index at fidelity and your friend can relax.
by dbltrbl
Mon Oct 02, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion and Recharacterization [theory] ?
Replies: 34
Views: 2121

Re: Roth Conversion and Recharacterization ?

in your case, single account conversion is OK. You can re characterize part or all of it if needed.
by dbltrbl
Sat Sep 30, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Would you recommend moving an Edwards Jones IRA to Vanguard?
Replies: 16
Views: 1527

Re: Would you recommend moving an Edwards Jones IRA to Vanguard?

+1, RUN AS FAST As U CAN. pay the exit fee if in contract but get the hell out than enjoy the beer. :sharebeer
by dbltrbl
Sat Sep 30, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 4265

Re: I bought a car without thinking too much about value

Enjoy. We bought our Prius at full list in 2006. 11 years later it is still running great. Only routine maintenance.
by dbltrbl
Sat Sep 30, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Better chance to be accepted to state medical school if also attend undergraduate in the state?
Replies: 18
Views: 1482

Re: Better chance to be accepted to state medical school if also attend undergraduate in the state?

Nope. Cousin's 2 kids went to Duke for Undergraduate degree. Both returned to Ky for medical school without any issues. More important interviews and MCAT.
by dbltrbl
Mon Sep 25, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: What phone carrier?
Replies: 16
Views: 1769

Re: What phone carrier?

If you use mostly around town, Republic Wireless, 20-25 per month. you can even use your current phone as you are transferring.
by dbltrbl
Fri Sep 22, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Bank Employees - comfort level of getting a loan through employer?
Replies: 9
Views: 746

Re: Bank Employees - comfort level of getting a loan through employer?

They already have that information right now. You will not provide anything new to them. Relax.
by dbltrbl
Wed Sep 13, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 4265

Re: Vanguard Health Care Fund in my portfolio?

If you truly have the stomach go for it. I know, I am in minority on board but you decide. I went in at it's highest price in 1994 and kept adding by DCA. did cash 20k to buy a vehicle. Would it be good going forward who knows but your money and and you can go for 20%. Just do not rub at first sign ...
by dbltrbl
Fri Sep 08, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Retraining Package - $2500 Tax Filing Question
Replies: 4
Views: 477

Re: Retraining Package - $2500 Tax Filing Question

Ask your employer to pay you as tuition reimbursement and not 1099-misc. Than you need not add to your income.
by dbltrbl
Tue Sep 05, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 4202

Re: Did Charmin UltraSoft TP become "UltraThin"?

You can order from Costco online and they deliver right to your front door no deliver charge. :D
by dbltrbl
Tue Sep 05, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: how often does high ACT score == scholarship?
Replies: 85
Views: 5271

Re: how often does high ACT score == scholarship?

While 35 is an outstanding ACT score, most public schools give merit scholarships to in state residents. Your son should get merit scholarship at all instate schools. Out of state gets dicey with many variables involved. May be a visit to a school s/he prefers and talking to finance person can impro...
by dbltrbl
Tue Aug 29, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3626

Re: TaxAct for $13.50

John,

I am a returning customer. In fact for 10 out of last 11 years, I have filed with Tax act must be some special promotion.
by dbltrbl
Tue Aug 29, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3626

Re: TaxAct for $13.50

I did not get an email. Last year I filed Tax-act Plus 10.00 including state and e Filing for both. It was late in season.
by dbltrbl
Sat Aug 26, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion (Timing)
Replies: 10
Views: 785

Re: Roth conversion (Timing)

I would not wait till December. Things can take time and/or Murphy's Law. I would do conversion now. If you have 5+ years to Retirement no need to time the market. GL :happy
by dbltrbl
Thu Aug 24, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: At age 66, should let my $1MM life insurance policy lapse?
Replies: 32
Views: 4548

Re: At age 66, should let my $1MM life insurance policy lapse?

Keep the policy for next 3 years than drop it. As others have pointed out peanuts in terms of opportunity and time cost.
by dbltrbl
Wed Aug 23, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Employer reimbursement for plugin hybrid charge cost?
Replies: 14
Views: 1483

Re: Employer reimbursement for plugin hybrid charge cost?

are you getting paid per mile than it does not matter. You just submit your miles log and collect the money. If they pay you only for mileage/gas and not wear and tear on your car, you will get paid lot less than about 54 cents per mile IRS reimbursement. Using personal car with only gas payments by...
by dbltrbl
Sun Aug 13, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 652

Re: Sales Tax Calculation when Buying Online

If it is a reputable overseas seller, they may not know the sales tax rate for every jurisdiction the country. In that case they will charge you the highest rate and will reimburse that amount to corresponding state. Think about a small business or even us, do we know tax rate for every county and c...
by dbltrbl
Sun Aug 13, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) overcontribution?
Replies: 6
Views: 447

Re: 403(b) overcontribution?

I believe your employer's system will not allow anything over 18000. It may kick whole amount for last month out but should not go over.
by dbltrbl
Sat Aug 12, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: When to pay estimated taxes on mutual fund distributions in December 2018?
Replies: 32
Views: 2310

Re: When to pay estimated taxes on mutual fund distributions in December 2018?

Alternatively, just ask Fidelity or the provider to withhold some % for taxes so you do not have to make an estimated payment. Depending on your tax bracket, 15% or 20% may be ok.
by dbltrbl
Wed Aug 09, 2017 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: tax questions - how to gift my sons' annual IRA
Replies: 18
Views: 1494

Re: tax questions - how to gift my sons' annual IRA

If younger one is not earning you can not put money in an IRA of any type.
by dbltrbl
Wed Aug 09, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry Repair Priorities
Replies: 71
Views: 4791

Re: Toyota Camry Repair Priorities

Did you do regular maintenance as recommended in owner's manual? If you did, you shouldn't be in this situation? Or you are the unluckiest person to own a Toyota Camry. Problems show up in first few months if any? Roads are bad everywhere in northern half. As others have said sell it, donate it and ...
by dbltrbl
Sun Aug 06, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Credit Card company email "Do you recognize this purchase?"
Replies: 27
Views: 2547

Re: Credit Card company email "Do you recognize this purchase?"

Call them and ask same thing you are asking here.