Search found 214 matches

by navyitaly
Fri Jan 05, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: CapOne Quicksilver vs. USAA card
Replies: 14
Views: 821

Re: CapOne Quicksilver vs. USAA card

I have one (Limitless), but it’s severely restricted..only LA residents at this point.
by navyitaly
Tue Dec 26, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: Annual vs quarterly dividends from Schwab fund
Replies: 16
Views: 1233

Re: Annual vs quarterly dividends from Schwab fund

If you don’t like the fund and how it operates buy another fund.

And yes you are missing the converse. In a bear market you are saving on the slight losses you may get w quarterly etc so it all evens out.
by navyitaly
Sun Dec 17, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Military Deployment Help—TSP Optimization
Replies: 17
Views: 1459

Re: Military Deployment Help—TSP Optimization

1. SDP is a not as easy as one would think. You should try to contribute, but the pay clerks aren't enthusiastic about helping. If memory serves correctly, it is best to write a check out of your personal (savings) account and have the pay clerks deposit the funds into the SDP--rather than divertin...
by navyitaly
Sun Dec 17, 2017 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Military Deployment Help—TSP Optimization
Replies: 17
Views: 1459

Re: Military Deployment Help—TSP Optimization

just so you know (not that its a big deal but it's true) the interest on SDP is taxable interest even though you are in a CZTE when you do it.
by navyitaly
Thu Dec 14, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 1229

Re: Active Duty Military Bereavement Leave?

no there's no bereavement leave in the military. it's just charged as normal leave, not nonchargeable leave.
by navyitaly
Sat Dec 02, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5391

Re: How do I convince my employees to invest more?

maybe with such low salaries they can't afford to...
by navyitaly
Fri Nov 24, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Target Pre-pay phones on Thanksgiving in store issues
Replies: 13
Views: 1318

Re: Target Pre-pay phones on Thanksgiving in store issues

Target cell phone company is a contractor. They don’t work for Target. They do things their way.
by navyitaly
Fri Nov 17, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 1985

Re: United change fees

If you would have done the other action they cancel both flights w no compensation or further value.
by navyitaly
Fri Nov 17, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 144
Views: 17076

Re: MoviePass-Too good to be true, but it's legit.

Isn't that called stealing?
by navyitaly
Tue Nov 14, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5655

Re: Keurig died...what now?

was it paid with a credit card that doubles warranty, do you have receipt? was it within this period?
by navyitaly
Sun Nov 12, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Investing HOA reserve money?
Replies: 24
Views: 1293

Re: Investing HOA reserve money?

if you lose other people's money..do you plan on repaying it yourself?
by navyitaly
Sat Oct 28, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: AmEx referral bonuses & taxes
Replies: 8
Views: 583

Re: AmEx referral bonuses & taxes

They limit payouts to $550 per year...stop making life hard, enjoy it as life is short...who cares move on.
by navyitaly
Tue Oct 24, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2326

Re: Generous Insurance Claim. Should I worry?

move on and focus on your family..it's fine
by navyitaly
Sun Oct 22, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 5413

Re: Paying for medical school for son?

Military HPSP....let Uncle Sam pay for it and give him a nice bonus and monthly stipend in exchange for serving!
by navyitaly
Sat Oct 21, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Transfer Fee---Will this work?
Replies: 15
Views: 1572

Re: Avoiding Transfer Fee---Will this work?

Simple work around...open a Merrill Edge taxable account..it's all the same BofA...transfer it from BofA to Merrill Edge...then transfer from Merrill Edge to whatever bank you want..$0 fee...
by navyitaly
Fri Oct 20, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Want to switch from managed USAA
Replies: 7
Views: 609

Re: Want to switch from managed USAA

If you want to stay at USAA, you can buy most Fidelity Index Funds for no charge there..i use USAA..but I use them to hold my Fidelity funds...
by navyitaly
Sat Sep 30, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3077

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

Stay out of your spouse's family personal business? End of day who cares..not your issue...if anyone inherits anything, it's not you, it's your spouse....make your marriage easy...
by navyitaly
Sat Sep 30, 2017 9:06 am
Forum: Investing - Help with Personal Investments
Topic: First simple portfolio [Italy]
Replies: 12
Views: 908

Re: First simple portfolio [Italy]

Have no idea on the European ETF, but I did just move from Italy after 3 1/2 years (US military)..all I can say is this....I didn't know anything was only taxes at 12.5%..isn't your life taxes and bureaucracy? I mean come on $10 per gallon for gas because of taxes from the Adriatic War and all the o...
by navyitaly
Wed Sep 27, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Car Lease break
Replies: 12
Views: 1377

Re: Car Lease break

Active Duty military can't terminate unless deploying 181 days or more with proof or overseas orders with proof...I had overseas orders...Mercedes Benz and Ford were painless to do.
by navyitaly
Thu Sep 07, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client, with a small twist
Replies: 18
Views: 1879

Re: Chase Private Client, with a small twist

So assuming some assets are in a non-tax advantaged account...since you have index funds it's reasonable to assume you have decent gains...did he offer to pay your capital gains taxes if you sell them off to pay his fees and his ER?
by navyitaly
Fri Sep 01, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Visa CC Price Protection on Flight
Replies: 4
Views: 633

Re: Visa CC Price Protection on Flight

No they'll say it's a service. And even if it did it would have to be in exactly same ticket fare class code which is sometimes hard to do.
by navyitaly
Mon Aug 28, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 3581

Re: Driving a car Italy, any suggestion?

lived in Naples for 3 1/2 years US Navy, just moved back a couple years ago...drove all over Italy...never an incident.

1. never leave anything in the car...never...not a thing.
2. assume every lane is a 2 lane road.
3. very few car accidents happen there.

be safe
by navyitaly
Mon Aug 28, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2870

Re: Possible January trip to Naples, Italy / Amalfi Coast

Look friend up on Facebook or other social media?
by navyitaly
Fri Aug 25, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5895

Re: USAA opinions. Worth it?

USAA sells Fidelity funds for no fees...
by navyitaly
Sun Aug 20, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Possible January trip to Naples, Italy / Amalfi Coast
Replies: 37
Views: 2870

Re: Possible January trip to Naples, Italy / Amalfi Coast

I lived there for 3 1/2 years moving back a couple months ago... Crime: Petty theft will occur...just don't be a victim..never happened to me in 3 1/2 years...ie leave nothing in a car ever...and never ever leave your bag out etc. Yes you can do both Amalfi and Pompeii same trip...a good locals alte...
by navyitaly
Tue Aug 15, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Market timing alert !!
Replies: 30
Views: 6653

Re: Market timing alert !!

if you bought $10k why didn't you buy the admiral shares...
by navyitaly
Tue Aug 15, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan vs Credit union Loan
Replies: 24
Views: 1520

Re: TSP Loan vs Credit union Loan

Being in the military I'm more than aware what TSP is...most credit unions like Navy Federal, etc you can do better than 2.5%...

Go to Lightstream unsecured auto loan 2.19%.
Digital Credit Union is 2.24%

2.5% is easy to beat so why do that?
by navyitaly
Tue Aug 15, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan vs Credit union Loan
Replies: 24
Views: 1520

Re: TSP Loan vs Credit union Loan

Unless you have bad credit, why would you do this? And TSP charges $50 for the loan....this makes no sense, just take a vehicle loan..what am I missing? Do you not have a job (source of income), basis of repayment, or bad credit and can't get the lowest rates...
by navyitaly
Tue Aug 01, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble with Universal Life Insurance Policy
Replies: 19
Views: 1953

Re: Trouble with Universal Life Insurance Policy

If its not a modified endowment contract (MEC) and no loans against it..let it lapse, pay taxes on the gains (from proceeds) and keep rest and move on...pretty simple.
by navyitaly
Fri Jul 28, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Possible NFCU CD Special?
Replies: 11
Views: 2362

Re: Possible NFCU CD Special?

So the best part about NFCU is that for child/parent joint accounts (minor/adult) they report in the SSN of the child...so I have 2 children..I max both out...each child is a joint owner with me on one and due to the $1050 per child interest exemption (Kitty tax stuff) it is essentially tax free.......
by navyitaly
Thu Jul 27, 2017 10:27 pm
Forum: Investing - Theory, News & General
Topic: Possible NFCU CD Special?
Replies: 11
Views: 2362

Re: Possible NFCU CD Special?

I sure hope so...but it would be announced on Tuesday the 1st...(NFCU does specials monthly)...however, I would say this...either they are really silly, or really trying to throw a bone at many members...why because 15 months ago they offered a 3% CD that expires in August...so if they are trying to...
by navyitaly
Thu Jul 27, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: windfall upon job change
Replies: 10
Views: 1724

Re: windfall upon job change

Not getting married for tax considerations is kind of silly...everyone getting married is a personal choice, but using taxes as a front makes zero sense as sometimes marring filing separately will solve this issues...just my 2 cents.
by navyitaly
Thu Jul 13, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is new car replacement insurance worth it?
Replies: 38
Views: 3244

Re: Is new car replacement insurance worth it?

It's a simple math problem...research the residual for the car (ALS could be a good reference or just google it). Then say to yourself..100% - that % times MSRP for $125 per year..minus deductible...do I want it or not... If the car is worth 35% at 48 months and car is totaled w a $500 deductible th...
by navyitaly
Sat Jun 24, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 7207

Re: Bay Area housing

I think your theory is kind of flawed..if you OWN now and not rent and are waiting for the market to drop..assuming you are going to sell your condo (big assumption, but probably right on), what makes you think your home won't drop too so if everything drops in some kind of proportion you won't be a...
by navyitaly
Tue Jun 20, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: Cancelling home warranty policy after closing?
Replies: 5
Views: 905

Re: Cancelling home warranty policy after closing?

it sounds like you had every intent to defraud the seller of that sum of money. It's all about the intent. Lets say you applied for $100k in rebates on gadget A (a bunch of them) and got the money from the manufacturer and then decide you don't want them anymore and returned them to the retailer..AN...
by navyitaly
Fri May 19, 2017 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Why ETF settlement happens on T+3?
Replies: 22
Views: 2490

Re: Why ETF settlement happens on T+3?

If you have a margin account it's allowed (with sufficient credit available).
by navyitaly
Sat May 06, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance as retirement policy
Replies: 22
Views: 2341

Re: Life insurance as retirement policy

rip off cancel it..easy day.
by navyitaly
Sun Apr 30, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: The Expensive Car
Replies: 8
Views: 1418

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: 4695

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: 7903

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: 118
Views: 16866

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: 1834

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: 1839

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: 2626

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: 1331

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: 30
Views: 4380

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...