Search found 58 matches

by llama
Fri Jul 21, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 43
Views: 1326

Re: Commuters (that drive), what do you listen to?

I'll listen to baseball if there's a game on in the evening. Otherwise, NPR (if I'm coming home late enough, Marketplace is on). If NPR is boring I'll tune to the classical station.
by llama
Sun Jul 16, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Recommendation for things to do in Seattle area
Replies: 18
Views: 1038

Re: Recommendation for things to do in Seattle area

GKSD wrote:staying in Columbia City neighborhood


I've heard good things about Geraldine's Counter for breakfast/brunch, but have never tried it myself.
by llama
Thu Jul 06, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: $10k House (hypothetical) at 3.75% rate, you pay $6,672.16 in interest after 30 years?
Replies: 49
Views: 4525

Re: $10k House (hypothetical) at 3.75% rate, you pay $6,672.16 in interest after 30 years?

If you want to play around with numbers in Excel, you can use:

Code: Select all

=CUMIPMT(3.75%/12, 12*30, 10000, 1, 12*30, 0)
which gives me -6672.16.
by llama
Thu Jun 15, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: 30 yr TIPS auction 6/22: yield 1.0%?
Replies: 37
Views: 3724

Re: 30 yr TIPS auction 6/22: yield 1.0%?

I'm planning on buying. Already maxing my I Bonds, so kind of a barbell approach between that and the long TIPS. I was originally looking at buying LTPZ instead but was scared off by the thin trading volume and the expense ratio.
by llama
Thu Jun 15, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 5824

Re: Have you canceled cable?

I have never found a way to watch the local baseball team without cable, so dropping it is a non-starter for my spouse. I can watch my favorite team through mlb.tv (they have blackout restrictions that prevent watching the local team).
by llama
Tue Jun 06, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Small tax refund or owing taxes?
Replies: 35
Views: 2177

Re: Small tax refund or owing taxes?

This year I had a refund of many thousands of dollars (mostly in paper I Bonds) held up because the IRS thought I was the one filing a fraudulent return. I had to endure a long hold time followed by lengthy phone interview to get them to release the funds, and even then there was a delay of some wee...
by llama
Fri Jun 02, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Markets
Replies: 5
Views: 716

Re: Fidelity Money Markets

All of their money markets appear to be like this. I'm using FZDXX (Fidelity Money Market Fund - Premium Class) to hold a house down payment. It's yielding 0.92% right now for a $100k minimum investment. Fidelity doesn't seem great for MM funds. I think most people here would say just open an Ally ...
by llama
Wed May 31, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: IBonds count as part of bond allocation?
Replies: 12
Views: 817

Re: IBonds count as part of bond allocation?

When I want to log in to TD, I edit the page's HTML to remove the readonly="readonly" attribute from the password input box and then copy/paste from my password manager software. It takes me only a bit longer than logging into any other site.
by llama
Sun May 28, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Employer 401k disappeared from Fidelity
Replies: 8
Views: 1033

Re: Employer 401k disappeared from Fidelity

This happens from time to time with my 401k (but not other accounts) at Fidelity. I assume it's some site maintenance and have learned not to panic.
by llama
Thu May 25, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Save mobile deposit checks?
Replies: 16
Views: 1930

Re: Save mobile deposit checks?

My credit union says to hold onto it for 30 days; my bank says shred immediately.
by llama
Wed May 24, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: Case against long-term TIPS
Replies: 47
Views: 7771

Re: Case against long-term TIPS

I'm interested in long TIPS and have been trying to decide between LTPZ and individual bonds. LTPZ looks to have a pretty low trading volume though -- any concerns there?
by llama
Sun May 21, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: How long does TreasuryDirect take to convert paper I bonds?
Replies: 52
Views: 12577

Re: How long does TreasuryDirect take to convert paper I bonds?

Earlier this year I mailed in some paper I bonds. It took eight days for them to be converted from the time that the USPS tracking showing they had arrived in TD's hands.
by llama
Thu May 18, 2017 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 17
Views: 1738

Re: treasurydirect conversion account transfer question

Can anyone who's done this confirm that transferring bonds from my conversion account to my primary account will not count against the $10k annual purchase limit?
by llama
Fri May 05, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature for Vanguard Trust
Replies: 29
Views: 2436

Re: Medallion Signature for Vanguard Trust

+1 for the suggestions to walk into a Fidelity or Schwab office and set up the account there. I have almost everything with Fidelity and the one time I had to walk into an office for some paperwork, they were quite helpful (though I did get a pitch for a free review with one of their financial plann...
by llama
Sat Apr 29, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: How to hold cash at Fidelity
Replies: 13
Views: 2117

Re: How to hold cash at Fidelity

I don't know about "the best." I'm using FZDXX (Fidelity Money Market Fund - Premium Class) to hold a house down payment I expect to use sometime later this year. The yield was recently reported as 0.93%. I didn't bother to shop around for something better or move to a high-yield saving ac...
by llama
Sat Apr 22, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 43
Views: 3691

Re: IRS refund today!

E-filed on March 19. A couple weeks later I got a letter instructing me to call the IRS to verify my identity. Did that within a couple days and the guy on the phone said it could take up to another nine weeks for the refund to arrive. That happened to me last year. The good news was that they said...
by llama
Fri Apr 21, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 43
Views: 3691

Re: IRS refund today!

E-filed on March 19. A couple weeks later I got a letter instructing me to call the IRS to verify my identity. Did that within a couple days and the guy on the phone said it could take up to another nine weeks for the refund to arrive.
by llama
Sun Mar 05, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: I Bonds: time-delayed Emergency Fund or down-payment?
Replies: 31
Views: 2331

Re: I Bonds: time-delayed Emergency Fund or down-payment?

WARNING about the 1099. Upon redemption, TD DOES NOT send you a 1099; you have to remember to go online and print it out yourself. That's somewhat dangerous. I wish TreasuryDirect would at least notify us of the existence of 1099-INTs by email. I wonder how many taxpayers did not remember to check ...
by llama
Sat Mar 04, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye, Wells Fargo, and hello, BECU!
Replies: 17
Views: 2964

Re: Goodbye, Wells Fargo, and hello, BECU!

BECU also has easy early withdrawal of CD funds. You can withdraw all of a portion of a CD any time via their website with a penalty of 90 days' interest (I think 30 days on shorter term CDs). I use a 1.2% CD there for a second-tier emergency fund.
by llama
Sat Mar 04, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Goodbye, Wells Fargo, and hello, BECU!
Replies: 17
Views: 2964

Re: Goodbye, Wells Fargo, and hello, BECU!

Not sure if you have kids, but if so, each one can get 6% on the first $500 in an Early Saver account.
by llama
Tue Jan 10, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 29583

Re: USAA 2.5% Cash Back Credit Card

Is this card now available in CA? I just visited USAA and after I logged out I noticed a little "Want a card? We have a special offer..." box - I clicked it :wink: I have this offer, and in the fine print, footnote #1 states "This product is currently available to members residing in...
by llama
Sun Jan 08, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $250K (for 3 to 18 months)?
Replies: 14
Views: 1809

Re: Where to park $250K (for 3 to 18 months)?

I have $250k in a 1.2% CD at my local credit union (minimal early withdrawal penalty). It's earmarked for a down payment on a house in 6-18 months. There is no way I'd risk investing it with that time horizon.
by llama
Sun Jan 08, 2017 2:40 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4805

Re: Anybody else Age - 10 in bonds, rest in stocks

I have enjoyed my spreadsheet's real-time adjustment by pegging the bond % to a formula with the "=TODAY()" function and the average of our birthdays, so our allocation changes 1/365th of a percent each day. We used to do exactly this as well until our average age hit 40. Now we're stayin...
by llama
Fri Jan 06, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 4805

Re: Anybody else Age - 10 in bonds, rest in stocks

We're more conservative. Spouse and I have an average age of a tad over 40 and our AA is 60/40.
by llama
Wed Jan 04, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Experience selling car to Carmax?
Replies: 52
Views: 37929

Re: Experience selling car to Carmax?

I sold them an inherited 2016 car with less than 800 miles on it. It had been in a bad accident and I knew I was going to take a hit on the price. Was expecting them to offer 10k but they only offered 9k. I took the offer since the car was on the other coast and I didn't need it. My goal was to unlo...
by llama
Tue Jan 03, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor from Fidelity to Vanguard
Replies: 8
Views: 1058

Re: Mega Backdoor from Fidelity to Vanguard

If you do 75% during the beginning of the year and reach 53000 IRS limit by the middle of the year, you will lose company match during the 2nd half of the year since you cant do any contribution into your 401k any more. The ideal is to divide 53000 with your wage to get the contribution percentage ...
by llama
Mon Jan 02, 2017 1:17 am
Forum: Investing - Help with Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 2812

Re: 2017 I-bond purchases - buy now or wait until May?

I am waiting as well. I don't mind missing a few months' worth of 2.76% interest on $10k for the possibility of a fixed rate increase.
by llama
Thu Nov 10, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contributions
Replies: 30
Views: 2886

Re: After Tax 401k Contributions

I've been maxing this out while I'm with my MegaCorp since I probably won't have access to it with a future employer. I end up with little take-home pay and live off my large taxable savings.
by llama
Mon Oct 03, 2016 3:57 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 4579

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

Alaska Airlines Visa. Free checked bag and $121 companion fare save me many hundreds a year.
by llama
Sat Sep 17, 2016 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 44
Views: 3886

Re: Estimated Tax Payments

Bogleheads: Last week I asked Vanguard to withhold my my RMD (Required Minimum Distribution at age 70 1/2) and earmark 12 month Estimated Tax for the IRS. Today I received a check from Vanguard for the remainder not sent to the IRS. Result: I do not file Estimated Tax Returns and keep my withholdin...
by llama
Wed Jul 27, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 29
Views: 2344

Re: Comcast - lease modem/router or buy?

It works fine until Comcast pulls the scam where they send you a letter stating that they'd been "forgetting" to charge you for the modem rental and will start with the next bill.
by llama
Fri Jul 15, 2016 5:13 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 6368

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

They are also releasing this http://www.theverge.com/2016/7/14/12187296/nintendo-nes-classic-edition-announced-price-games. If I would have known a month ago, I probably would have bought my first individual stock. It's going to be a huge year for Nintendo. It's insane to me the number of tech-incl...
by llama
Wed Jun 22, 2016 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Eletronic Delivery vs Mail [fund statements, tax forms]
Replies: 46
Views: 3009

Re: Eletronic Delivery vs Mail [fund statements, tax forms]

Paper mail. I am going to say this once more, and then not respond to the flood of responses explaining what a foolish old guy I am). There is one specific situation where paper mail beats electronic delivery. Unfortunately, it is a common and important situation. The situation occurs when someone ...
by llama
Sat Jun 18, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Recapture tax on inherited Virginia 529
Replies: 0
Views: 262

Recapture tax on inherited Virginia 529

I have inherited a Virginia 529 plan for which my parents had taken Virginia state tax deductions on the contributions. I don't live in Virginia or pay taxes there. If I were to roll this over to another state's plan, am I on the hook for recapture taxes? http://www.savingforcollege.com/529_plan_det...
by llama
Wed May 18, 2016 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Why the Low Quantitative Score on the GMAT?
Replies: 26
Views: 2565

Re: Why the Low Quantitative Score on the GMAT?

Taking standardized tests is absolutely a skill that requires practice. I got a lot of 800's on various SAT/GRE thingies but that was after extensive test preparation. When you're under the time pressure of a test, you can't afford to just rely on your smarts to help you figure things out as you go....
by llama
Tue May 17, 2016 11:11 am
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 62
Views: 6183

Re: For those of you in the Accumulation Phase - How often do you check?

I check after every payday. I quickly caught an error made by payroll where they didn't process my 401k contribution increase.
by llama
Mon May 16, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Job referrals for friends
Replies: 12
Views: 1500

Re: Job referrals for friends

My employer has you check a box when sending a resume to HR that's (grossly paraphrasing) something like "this is some random person who handed me their resume" vs. "this is someone I've worked with and am familiar with their qualifications." Checking the first box for iffy resum...
by llama
Thu May 12, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth VS. Taxable For Young Couple
Replies: 9
Views: 1234

Re: Mega Back Door Roth VS. Taxable For Young Couple

The MBD Roth dollars are still pretty liquid, right? I interpret the chart in this post https://www.bogleheads.org/forum/viewtopic.php?t=156092#p2343086 to mean that the 10% early withdrawal penalty will only apply to the part of the conversion that is taxed. If you are rolling the after-tax 401k do...
by llama
Wed May 11, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 8306

Re: When is cash better than plastic?

mhc wrote:In a hurry at a restaurant. Slap down cash and dash.


Yes. I always carry cash in restaurants in case my kid suddenly declares "ALL DONE!" and dashes out of the place and I need to give chase.
by llama
Sat Apr 30, 2016 10:49 pm
Forum: Investing - Theory, News & General
Topic: For those of you who immediately sell employee stock from ESPP…
Replies: 17
Views: 2728

Re: For those of you who immediately sell employee stock from ESPP…

If you sell immediately you have to pay short-term cap gains right? I would guess one would at least wait a year and a day to pay the more favorable long-term cap gains no? I sell immediately so there aren't usually much in the way of capital gains (the discount is taxed as ordinary income so I don...
by llama
Thu Apr 28, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plans - Utah vs. Nevada <or> WA State prepaid (GET)?
Replies: 9
Views: 1184

Re: 529 Plans - Utah vs. Nevada <or> WA State prepaid (GET)?

Isn't WA GET frozen for the time being? Last I heard, Olympia was thinking about setting up traditional 529 plan in addition to GET.
by llama
Fri Apr 15, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Tax filing mistakes made by your CPA (or yourself)]
Replies: 69
Views: 5639

Re: [Tax filing mistakes made by your CPA (or yourself)]

I had to file 1040X last year because I paid double taxes on disqualifying disposition of ESPP shares. I didn't realize that the brokerage reports the discounted price as the cost basis and that the discount was already reported as ordinary income on my W-2. I talked to several others at work who ma...
by llama
Mon Apr 11, 2016 3:33 pm
Forum: Investing - Theory, News & General
Topic: Part of E-Fund in Low Risk Bonds?
Replies: 15
Views: 1526

Re: Part of E-Fund in Low Risk Bonds?

Do you currently own any Series I Savings Bonds? Those are very low risk and are convenient for an emergency fund. Just wondering how fast you can cash those in generally? I'm not sure why this matters. As a practical matter all my emergencies have been paid for with credit cards, and I have a mont...
by llama
Thu Mar 31, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Recommendations for visit to Austin, TX
Replies: 14
Views: 1132

Re: Recommendations for visit to Austin, TX

The Lady Bird Johnson Wildflower Center.
by llama
Thu Feb 11, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Selling ETF Using A Limit Order
Replies: 12
Views: 991

Re: Selling ETF Using A Limit Order

When I do this with Fidelity, it usually executes immediately.
by llama
Tue Feb 09, 2016 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Please share examples where earning an extra $1 can cost more in taxes than income.
Replies: 49
Views: 6852

Re: Please share examples where earning an extra $1 can cost more in taxes than income.

From doing my taxes this year, it appears the Tuition and Fees deduction has cliffs where the deduction first steps down from $4000 to $2000, and then later from $2000 to $0. Depending on the bracket and whether or not it's graduated, that's a pretty steep cliff. 4000-2000 in the 25% bracket is $50...
by llama
Tue Feb 09, 2016 2:23 am
Forum: Personal Finance (Not Investing)
Topic: Please share examples where earning an extra $1 can cost more in taxes than income.
Replies: 49
Views: 6852

Re: Please share examples where earning an extra $1 can cost more in taxes than income.

From doing my taxes this year, it appears the Tuition and Fees deduction has cliffs where the deduction first steps down from $4000 to $2000, and then later from $2000 to $0.
by llama
Sun Feb 07, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: 10% Mortgage Down payment
Replies: 49
Views: 8023

Re: 10% Mortgage Down payment

Hodor wrote:Most people do not put down the full 20%, particularly on a first house. I would get the mortgage with 10% if you are ready to move and then pay down the mortgage as fast as possible to get rid of the PMI.


This is exactly what we did and it worked out well for us.
by llama
Wed Jan 27, 2016 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 57
Views: 10146

Re: Treasury Direct is a waste of time

I've been using it for a couple years and the only problem I had was where I locked myself out of the account by entering my password incorrectly too many times via their on-screen keyboard. I called them up and they quickly resolved it over the phone. Since then I don't use the on-screen keyboard; ...
by llama
Sun Jan 24, 2016 9:09 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 18232

Re: Do you pay for exercise?

We pay. Using the day care at the gym is the only way we can get kid-free time to exercise, and Kid loves it there (they have bouncy houses and other fun stuff there).

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