Search found 174 matches

by navyitaly
Sun Apr 30, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: The Expensive Car
Replies: 8
Views: 898

Re: The Expensive Car

who cares how other spend (or waste) their money? maybe his wife makes a lot?

also one thing you maybe forgetting is you can't take it with you..live once so enjoy it.
by navyitaly
Wed Apr 19, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 1744

Re: Should I purchase Apple Care for my new Apple Watch?

you drop it on anything other than carpet it shatters, you decide and i have the series one with the real crystal...i had to pay $300 to get it fixed..you decide.
by navyitaly
Fri Apr 14, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 6985

Re: Physician using Turbotax, owing 30K so far already...

if you are making that kind of income, why don't you just ensure 40% is withheld for federal...then you will get a refund and have no problem..seems pretty simple.
by navyitaly
Fri Apr 14, 2017 5:21 am
Forum: Personal Finance (Not Investing)
Topic: Dealership rejecting rebate after contract signed
Replies: 82
Views: 6526

Re: Dealership rejecting rebate after contract signed

Offer them their used car back and unwind the deal...most likely the $1000 isn't worth the cost of a depreciated used car, reconditioning it, paying the fees involved with that etc..as long as you didn't misrepresent facts...
by navyitaly
Wed Apr 12, 2017 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Aggressive mortgage banker at Citibank - what's the point
Replies: 14
Views: 1502

Re: Aggressive mortgage banker at Citibank - what's the point

Since you asked for a rate quote, he was doing his due diligence..he can't give you a true rate quote without knowing your credit score and portfolio...if you had a 530 when he quoted you 4% with no points and 0% origination may not be true as that rate is now 3 points...so if you wanted a rate quot...
by navyitaly
Thu Apr 06, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: How to Sell Gold Watch from Last Kaiser of Germany?
Replies: 11
Views: 1551

Re: How to Sell Gold Watch from Last Kaiser of Germany?

well you inherited it so it was free, like a bonus...

just keep it...do you have kids? make a fun project for the kids to learn about the time and the history of Germany with it.
by navyitaly
Tue Mar 28, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Should we take 0.9% auto financing?
Replies: 27
Views: 2030

Re: Should we take 0.9% auto financing?

Just so you know, BS alert #1..if a dealer told you there's a prepay penalty, they are blatantly lying...especially with a promotional captive rate....they may have to pay back the participation fee/commission they get to the captive if you pay it off early, but that's their issue..NOT YOURS...you c...
by navyitaly
Tue Feb 14, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab
Replies: 15
Views: 1007

Re: Schwab

if your funds are with vanguard now, convert the admiral to ETF (no tax hit), then transfer in kind to Schwab and you keep your ER...then just buy low cost Schwab funds...this is what I did.
by navyitaly
Tue Jan 17, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Have GEICO auto, asked for quote online, $150 less
Replies: 19
Views: 2057

Re: Have GEICO auto, asked for quote online, $150 less

I think the issue is they can offer you a lower price (discount) for a new customer as they know most people don't change companies every 6 months, then slowly raise it back up...I have had USAA for 17 years...could I get cheaper somewhere else, maybe, but this product I'm just going to pay the USAA...
by navyitaly
Mon Jan 16, 2017 4:00 am
Forum: Personal Finance (Not Investing)
Topic: How am I doin?
Replies: 31
Views: 2899

Re: How am I doin?

Nice humblebrag....you make mid 6 figures, you know the national average is like $40k or something, why would you need to ask people on this site how you are doing?
by navyitaly
Sun Jan 15, 2017 3:28 am
Forum: Investing - Help with Personal Investments
Topic: Sectarian / Minnesota Life VAL Policy Mutual Funds
Replies: 4
Views: 359

Re: Sectarian / Minnesota Life VAL Policy Mutual Funds

Well nobody has any idea the ticker on it, but without even seeing it, probably the expense ratio is high....but have you looked at what's in it...if it is full of International holdings, it may be lagging, what's in it?
by navyitaly
Sat Dec 10, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: USAA Subscribers Account
Replies: 2
Views: 436

Re: USAA Subscribers Account

Every February you will get a statement. go to documents and look for it from last February.
by navyitaly
Sat Nov 19, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: VOO vs. FUSVX
Replies: 3
Views: 510

Re: VOO vs. FUSVX

Make it easy, except the fact one is an ETF and one a mutual fund, you won't see any noticeable difference in returns. Except when you buy it will be the big discriminator. ETF is real time market price, mutual fund is end of market day. For example day after election when futures were down 800 poin...
by navyitaly
Fri Sep 09, 2016 5:28 am
Forum: Personal Consumer Issues
Topic: Traveling to Italy and renting a vehicle -- auto insurance?
Replies: 21
Views: 2073

Re: Traveling to Italy and renting a vehicle -- auto insurance?

I have lived in Italy for 2 1/2 years for the military and not one incident and I drive a lot. Key is this, every lane assume is a 2 lane road. When drivers come up to you or flash their lights, just move to the right of the lane they'll go around you. Don't worry about speed limits, doesn't matter,...
by navyitaly
Sun Jul 24, 2016 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 3602

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

One thing to think about is for those folks that like programs like Chase Private Client, etc (high priced concierge programs)..if you do it first of year..just buy an ETF and pay the $20 and no other fees from those programs...that's the cheap way of doing those programs.
by navyitaly
Wed Jul 20, 2016 4:38 am
Forum: Investing - Help with Personal Investments
Topic: USAA & Vanguard Balanced Index
Replies: 7
Views: 708

Re: USAA & Vanguard Balanced Index

You could do one of two things. 1. Open an account at Vanguard, buy the fund, verify USAA can hold it then ACATS it into USAA for free. You could do this yearly. 2. Open an account at Vanguard, buy the fund, verify USAA can hold it then ACATS it into USAA for free. Set up recurring transfers with US...
by navyitaly
Wed Jul 20, 2016 4:21 am
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 8801

Re: Why did the car salesman stop replying to my emails

You can't buy a car over the internet...need to be in person....
by navyitaly
Thu Jul 14, 2016 5:52 am
Forum: Personal Finance (Not Investing)
Topic: Using Plastiq?
Replies: 26
Views: 4505

Re: Using Plastiq?

If you are Platinum Honors with Bank of America and have Travel Rewards (2.625%), it's free money for bills you have to pay anyway. I do it every month to make a few bucks on the 2.625 - 2.5% spread. Takes two seconds and just pay the bill to the Visa card and redeem the credit as cash back.
by navyitaly
Fri Jun 17, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: High Credit Card Debt- Need Help
Replies: 107
Views: 8737

Re: High Credit Card Debt- Need Help

Just do nothing..your husband makes $150k, what can they do to you...so you will have bad credit..who cares...do you plan on buying a home again? you aren't gonna be able to pay it off on $1000 per month....just let it get charged off and move on..the chances you get sued are small...not zero, but n...
by navyitaly
Tue Jun 14, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: The 2.5% yield on the S&P500: a reason to celebrate?
Replies: 22
Views: 3009

Re: The 2.5% yield on the S&P500: a reason to celebrate?

Well lower qualified distribution tax rate...
by navyitaly
Wed Jun 08, 2016 6:13 am
Forum: Personal Consumer Issues
Topic: Anyone with VA Loan Experience?
Replies: 14
Views: 1615

Re: Anyone with VA Loan Experience?

First, there are VA non-allowables..i.e. the main one is the escrow fee...someone other than borrower has to pay...lenders can charge 1% flat rate, but all that stuff has to be covered in there...junk fees can't be paid by borrower.. Note it doesn't say charged, it says paid..big difference...any ot...
by navyitaly
Wed Jun 08, 2016 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with Finding Advisor
Replies: 42
Views: 7389

Re: Fired by our Financial Advisor

Since you aren't buying anything, and you are only asking for generic advice..why don't you just put your generic ?s on this board...someone will answer for free I'm sure..and it will be better advice than a slimy, worthless FA...
by navyitaly
Mon Jun 06, 2016 11:48 pm
Forum: Investing - Theory, News & General
Topic: T-Mobile free stock for customers
Replies: 24
Views: 3463

Re: T-Mobile free stock for customers

Like all these programs, it has abuse written all over it...wait about a year for the first federal indictments for wire fraud, etc when you find out that the T-mobile reps were "referring" their customers in the store...somehow someone will figure it out..just like the Army Recruiting Sca...
by navyitaly
Fri Jun 03, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 90
Views: 16938

Re: How to get a real Chip and Pin card?

The original NFCU chip and pin cards that were issued on a trial basis to military members stationed overseas are true Chip and Pin (pin priority) like the European cards..I have 4 of them...when they expire in 2017, I'll end up with the chip and signature priority version..but for now I have the tr...
by navyitaly
Fri Jun 03, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started: USAA vs Vanguard?
Replies: 17
Views: 1875

Re: Getting Started: USAA vs Vanguard?

If you want to use USAA for funds..consider Fidelity since they use the Fidelity system...FSTMX is a suitable alternative and you prob won't notice a difference in return. FSTMX is the Fidelity Total Stock Market Fund and the ER is lower (.10 vs .16). Most Fidelity funds are fee free with USAA.
by navyitaly
Sun Apr 24, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?
Replies: 24
Views: 4165

Re: How would you recommend I invest $500k to generate maximum monthly income with relatively low risk?

In today's low interest rate environment, you aren't going to be able to get inflation yield with 5%-10% risk. If I were you, I'd just find an online decent rate CD and have zero chance of loss and take my low interest and move on. Make sure you are FDIC insured appropriately.
by navyitaly
Sun Apr 24, 2016 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Will Chip + Sign CC work in Europe?
Replies: 27
Views: 2615

Re: Will Chip + Sign CC work in Europe?

Live in Italy for military for over the last 2 years...yes it will work. Warning: Germany is more a cash society, many places won't take credit cards, or won't take your US credit card. Unless you are Preferred Rewards Platinum Honors, just get the Barclay Arrival Card...reason 1. signing bonus 2. M...
by navyitaly
Thu Apr 07, 2016 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment same day as closing?
Replies: 8
Views: 847

Re: Mortgage payment same day as closing?

You still owe the arrears interest on mortgage so whether you pay it monthly or via closing it will be paid. I believe most mortgages give you a 2 week grace period so it really doesn't matter...when the title company requests your payoff, the interest for that month should be included in it since y...
by navyitaly
Fri Mar 25, 2016 5:37 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 7198

Re: Europe Trip in August

Live in Italy for US Military...can't change your plans....just be careful. Something can happen to you every second of the day..if you feel that way never leave your home...
by navyitaly
Sun Feb 28, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Airline Ticket Quandary, advice appreciated
Replies: 9
Views: 1992

Re: Airline Ticket Quandary, advice appreciated

Does your credit card offer trip cancellation insurance as one of its benefits? take a look at that...
by navyitaly
Thu Feb 18, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Rental car in Italy
Replies: 31
Views: 3300

Re: Rental car in Italy

+1 navyitaly: get a gps. Roads are organized/marked quite differently than in the states and can be confusing. Also off topic, but make sure you understand ZTL before you drive. These prohibited driving zones will be marked with signs and have license plate cameras - it's expensive mistake if you d...
by navyitaly
Thu Feb 18, 2016 4:04 am
Forum: Personal Consumer Issues
Topic: Rental car in Italy
Replies: 31
Views: 3300

Re: Rental car in Italy

Since I am US military in Italy, I have auto insurance so can't help you there, but be sure to have a functioning GPS system..things are very hard to find in Italy...
by navyitaly
Mon Jan 18, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: I can sleep at night but it is on my mind a lot
Replies: 60
Views: 4475

Re: I can sleep at night but it is on my mind a lot

[OT comment removed by admin LadyGeek]
by navyitaly
Sun Jan 10, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly TSP investment not posted yet
Replies: 11
Views: 1367

Re: Monthly TSP investment not posted yet

US Navy active duty posted on 4 Jan..so DFAS sent it probably the 3rd or 4th..but assuming you have some money in C/S/I, just call it extra earnings since yours didn't post when ours did! By now you will get a few more shares with your bucks!
by navyitaly
Sat Dec 12, 2015 2:04 am
Forum: Personal Consumer Issues
Topic: Ship car from overseas or sell it?
Replies: 7
Views: 817

Re: Ship car from overseas or sell it?

Are you near the military community in Germany? If you are..easy sell it to a military member..here in Italy that car would have value..ESPECIALLY if it's automatic!
by navyitaly
Fri Dec 11, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: New Military Retirement System
Replies: 86
Views: 10714

Re: New Military Retirement System

Nobody on active duty as of today or before 1 Jan 2018 has to choose the new system..that's clear we're all grandfathered.
by navyitaly
Thu Dec 10, 2015 6:29 am
Forum: Personal Finance (Not Investing)
Topic: USAA eligibility
Replies: 7
Views: 1500

Re: USAA eligibility

From website it seems as if yes.
by navyitaly
Sun Dec 06, 2015 1:40 am
Forum: Personal Finance (Not Investing)
Topic: A car nicer than the boss?
Replies: 257
Views: 26808

Re: A car nicer than the boss?

Who cares what others drive? BTW a $50k car just means a SUV in 2015/2016..nothing special or to brag about.
by navyitaly
Sat Dec 05, 2015 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car loan, co-signer question
Replies: 13
Views: 908

Re: Car loan, co-signer question

When you called the lender, they told you....

When you read your promissory note/contract it said....

Nobody here will know the terms and conditions of your specific contract...
by navyitaly
Mon Nov 30, 2015 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Selling VTIAX for tax loss harvesting
Replies: 9
Views: 1720

Re: Selling VTIAX for tax loss harvesting

Well yea I forgot about the 60 day window that starts before and after starting w ex dividend date.
by navyitaly
Mon Nov 30, 2015 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Selling VTIAX for tax loss harvesting
Replies: 9
Views: 1720

Re: Selling VTIAX for tax loss harvesting

If you wait u till it distributes and then sell it will cause that dividend to become unqualified.
by navyitaly
Fri Nov 27, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help with My Credit Card Strategy
Replies: 11
Views: 1891

Re: Help with My Credit Card Strategy

Pretty easy answer..do you want Membership Reward points? Or what points are you getting on Visa side?
by navyitaly
Thu Nov 19, 2015 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: ATM use in Europe
Replies: 31
Views: 2318

Re: ATM use in Europe

DCC doesn't apply to AMEX and Discover Network transactions.
by navyitaly
Fri Nov 13, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: How much will I get in dividends in 2015 for VTI and VEU
Replies: 2
Views: 435

Re: How much will I get in dividends in 2015 for VTI and VEU

I would say a reasonable "guesstimate" is 2.4% - 2.7% for VEU and 1.9 - 2.05% for VTI.. Remember this (as far as I know) if the dividends paid by the companies stay relatively the same and the NAV of the fund goes down, the yield will go up....since the dividends come right out of the fund...
by navyitaly
Tue Nov 10, 2015 1:24 am
Forum: Investing - Help with Personal Investments
Topic: What to do with $11,392.79 in a Vanguard Roth IRA?
Replies: 17
Views: 1907

Re: What to do with $11,392.79 in a Vanguard Roth IRA?

Buy ETF versions...lower ER (same as Admiral shares) spread is like a penny i.e. Irrelevant long term. Since its in a Roth if time comes and you want to change to Admiral shares, no capital gains to worry about, just 3 days out of market could be good or bad...nobody can predict that.
by navyitaly
Mon Nov 09, 2015 6:33 am
Forum: Personal Consumer Issues
Topic: Lower Cost Plane Tickets
Replies: 8
Views: 1788

Re: Lower Cost Plane Tickets

I have done this, as recently as yesterday, but I live in Italy for the military. Lufthansa EUR site vs Lufthansa USA price. It was 461.70 EUR which is $491 with 0% FTF card or $550 in USD same everything. Always pay to check.
by navyitaly
Sat Oct 31, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 4913

Re: Vanguard Calculated Dividend Incorrectly

When you called Vanguard they said....

Go to advanced search