Search found 840 matches

by dbltrbl
Tue Oct 17, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 520

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: 588

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: 2269

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: 598

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: 1907

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: 1376

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: 3958

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: 1345

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: 1632

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: 701

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: 3972

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: 440

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: 3830

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: 4883

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: 3321

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: 3321

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: 711

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: 4347

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: 1375

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: 610

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: 409

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: 2026

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: 1398

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: 4419

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: 2340

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

Call them and ask same thing you are asking here.
by dbltrbl
Sun Aug 06, 2017 6:20 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan for house down payment?
Replies: 11
Views: 1112

Re: 401k loan for house down payment?

Only you know your unique situation, possibility of job security etc. I did take out a loan from my 403 b 7 when I purchased my primary residence. I did not even have taxable accounts to worry. If you think its the most reasonable way in your situation go for it and pay back the loan first asap.
by dbltrbl
Sat Aug 05, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Why no federal income tax obligation?
Replies: 31
Views: 2864

Re: Why no federal income tax obligation?

That is the wonderful way our tax code is written. Make about 35000 per year in capital gains no TAX. same working as school teacher/Aide you pay taxes. :sharebeer
by dbltrbl
Sat Aug 05, 2017 6:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 6139

Re: "Vanguard Puts Rival Firms On Notice: Fee Wars Will Only Heat Up"

While it is good, Vanguard charging $5.00 per month for 403b participants is a big step in wrong direction. Most 403b participants do not get a match either. While I have no idea about Schwab's charges , FIDO charges $ 4.00 per year . I think MR. Buckley should reverse that decision. P.S. It does no...
by dbltrbl
Thu Aug 03, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity four-in-one index fund lower ER, invest everything in it?
Replies: 40
Views: 6166

Re: Fidelity four-in-one index fund lower ER, invest everything in it?

Simplicity has its its virtues. Solid fund . Good sleep at night go for it. We have about 400k in it even at earlier higher ER.
by dbltrbl
Tue Aug 01, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: FAFSA: if known result, why complete?
Replies: 44
Views: 2855

Re: FAFSA: if known result, why complete?

Our son received a full merit scholarship but it was still required by school that we fill out FAFSA. If you do not plan on getting any type of scholarship, or loans than no need to fill out FAFSA. Yes it is a waste of time but it allows schools to sat we admitted so many % of students from lower ec...
by dbltrbl
Mon Jul 31, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2374

Re: Cheapest transportation to airport?

Some Friend. I have never charged any one for dropping them off or picking up at an Airport. I would not use friend. Use Park and fly no need to worry about flight getting delayed or car seat. Unless you are arriving after a long flight ( in that case Uber and Pay up) most convenient and economical ...
by dbltrbl
Sat Jul 29, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Colorado Vehicle Registration fees
Replies: 20
Views: 1709

Re: Colorado Vehicle Registration fees

Registration has 2 parts. One is annual fee other is a tax based on the value of your car for that year. Newer the car higher the tax. That will go down. Many states have this.
by dbltrbl
Fri Jul 28, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Active vs index, etc.
Replies: 34
Views: 2430

Re: Active vs index, etc.

I have had few active funds most by accident or luck. Had Contra, New Millennium and Low Priced stock at Fido. First two are now gone in index funds. Last one low priced I am holding on it but can go. At vanguard we have Prime Cap and Health care in addition to Total Index and International Index. h...
by dbltrbl
Fri Jul 28, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Master's or Master's PLUS MBA Dual Degree
Replies: 14
Views: 1213

Re: Master's or Master's PLUS MBA Dual Degree

Depending on where you are, I would not worry too much about the name of the institution. I would get the MBA now from any recognized and accredited school. Outside of top 20 or so schools MBA from one is not much different than other when it comes to hiring. You may have roots where you are and you...
by dbltrbl
Wed Jul 26, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Investments
Replies: 10
Views: 1106

Re: Car Loan vs Investments

Zero %interest rate, no rebate then yes. If 0% or 1000/1500 rebate, buy car cash.
by dbltrbl
Wed Jul 26, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs. Taxable account
Replies: 8
Views: 546

Re: 403b vs. Taxable account

Among your list of 403b providers, Fidelity index funds would have much lower expense ratios and decent website and 24/7 customer service in general. I would stop contributing to AXA tomorrow and open one at Fidelity. Yes, 403b is better than taxable account. Fidelity's yearly fees on 403b account w...
by dbltrbl
Sun Jul 23, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I change my cost basis on my vanguard funds?
Replies: 6
Views: 478

Re: Should I change my cost basis on my vanguard funds?

You are correct.No cost basis needed for any type of IRA or 401k. Everything is income (TIRA, 401k) or tax free, ROTH.
by dbltrbl
Sat Jul 22, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Career Advice
Replies: 19
Views: 1689

Re: Career Advice

How about opening a branch campus for this university in some underdeveloped country or providing ideas for that. If you are in teaching, even part time you have that opportunity. Take it.
by dbltrbl
Fri Jul 21, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring an IRA to VG Question
Replies: 8
Views: 487

Re: Transferring an IRA to VG Question

Yes you can but you need not. You can use funding (money later) later option and it will create an account number online for you. Depending on the institution, you may actually physically have to mail in forms with your signature. Of course if you call Vanguard, they will walk you through it.
by dbltrbl
Fri Jul 21, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Best investments for a Roth IRA
Replies: 3
Views: 412

Re: Best investments for a Roth IRA

Investments are same. I would suggest putting equity funds in ROTH as they are more likely to appreciate at a higher rate in long term.
by dbltrbl
Fri Jul 21, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Which cost basis is best average cost or FIFO
Replies: 17
Views: 1485

Re: Which cost basis is best average cost or FIFO

Simplicity does have advantages. If you are not good at record keeping, you can go with average cost. In the long run ( we will all be Dead), it will be a wash. You you will save but not a big deal if you are a regular investor who invest monthly or quarterly.In general between the two you mentioned...
by dbltrbl
Thu Jul 20, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Opening account
Replies: 5
Views: 484

Re: Opening account

If you do not need money for 5 or more years buy admiral shares all at one time.
by dbltrbl
Thu Jul 20, 2017 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Helping foreign nephew get settled
Replies: 11
Views: 1299

Re: Helping foreign nephew get settled

I do not think you can add him as a driver (depending on the company) if it is driven in a different state. Check with your company.Can you lease a car for him until he finds his wings? As for the apartment not an issue as they get first and last months rent and a note from the employer that he is/w...
by dbltrbl
Wed Jul 19, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Bank accounts in another state
Replies: 6
Views: 700

Re: Bank accounts in another state

Typically you need to provide an ID with the address you have in mind or you need to provide a utility bill with address. It might be easier if you just added your name to your mother's account or open a new joint account with your mom.
by dbltrbl
Tue Jul 18, 2017 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Allowable Roth contribution?
Replies: 8
Views: 360

Re: Allowable Roth contribution?

No. SS and pension does not count as earned income. You can not put your RMD in your ROTH IRA. If your wife has earned income(she does) of more than 30500, she can put 24000 in 401k and 6500 in ROTH IRA and yes money can come from anywhere.
by dbltrbl
Tue Jul 18, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Need investing advice
Replies: 23
Views: 2050

Re: Need investing advice

For my Nickel's worth, keep your money in bank not invest. Once you have secured new position, than think about investing. Do not give up. In the past I have sat at home for 17 months with an advanced degree in STEM field. In 2007, my brother sat for 30 months without a job. Keep looking you will fo...
by dbltrbl
Tue Jul 18, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Roadside assistance: insurance vs. Visa CC
Replies: 8
Views: 865

Re: Roadside assistance: insurance vs. Visa CC

No. $50.00 per occurrence. So if you are charged more its on you. I would use VISA rather than insurance. I learned hard way when one of vehicle needed assistance (not towing) three times in a year my premium went up by 25 dollars. When questioned, was told they do not provide hard numbers but was a...
by dbltrbl
Tue Jul 18, 2017 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Claim SIL as Dependent
Replies: 7
Views: 1168

Re: Claim SIL as Dependent

Is she part of your household? If so, answer is yes.
by dbltrbl
Sun Jul 16, 2017 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Small Windfall Investment Ideas
Replies: 2
Views: 342

Re: Small Windfall Investment Ideas

Assuming you have that much or more earned income and you are 15+ years from retirement answer is yes. Put in 11000 every year till you used up the windfall. use 401k or 403b at your workplace for additional savings.
by dbltrbl
Sat Jul 15, 2017 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9229

Re: Personal Finance Milestone: 20 Times Annual Expense

Congratulations! :happy Your hard work paid off despite setbacks along the way. Enjoy the rest of way :sharebeer