Search found 332 matches

by tampaite
Thu Sep 21, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Flooded out subdivision
Replies: 13
Views: 878

Re: Flooded out subdivision

We DO have flood insurance for my two houses, so we have the option of rebuilding and staying, or rebuilding the houses to a less expensive, simpler interior. Not sure about flood insurance but can you take the insurance money and just not build. Leave the lot vacant or demolish the home and then c...
by tampaite
Thu Sep 21, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: is yodlee moneycenter dead?
Replies: 18
Views: 3362

Re: is yodlee moneycenter dead?

You can call it half-dead. Am unable to update/refresh any of my accounts and there is no way to call customer service, you only can open a service request and most often, you get canned response.
by tampaite
Thu Sep 21, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing. 450k cash
Replies: 33
Views: 2799

Re: New to Investing. 450k cash

zen88 wrote:
Tue Sep 19, 2017 9:01 pm


The advice I am seeking is what would be a better way to manage 450k cash that I have.
Also investing wise I have rather low risk tolerance and would like to use some broad index fund like s&p500.
My 2cents. Take $450K and pay down mortage. No brainer.
by tampaite
Mon Sep 18, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 3729

Re: Worth buying an excessive priced house?

We have about 15x annual expensives saved after 10 years of saving, plan to work at least part time for a while, and love our current nice, yet modest home. We have two young kids (1 and 4) and trying to decide if a move a few miles away for better schools, a bit better location, and an expensive c...
by tampaite
Mon Sep 18, 2017 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Help With Rental Property Decision
Replies: 30
Views: 1826

Re: Help With Rental Property Decision

Based on what you have said, SELL!

Option #3. You never know how the real estate market would be when you are ready so take the pill now and sell.
by tampaite
Fri Sep 15, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Milestone-this is the only place to share
Replies: 21
Views: 2266

Re: Personal Milestone-this is the only place to share

A quick career change earlier and adoption of the methods on this fine message board, and as of this morning, the wife and I became actual cash millionaires. I had a bonus and some profit sharing hit my accounts this morning that finally pushed the ball well over the goal line. I suppose with home ...
by tampaite
Wed Sep 13, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10049

Re: The 10 year car ownership "rule"

If you buy unreliable brand and still do your own car maintenance, there is cost associated with it( your time & effort ) and I hope it's worth $$$ something. "Reliability" of any car will not be great if you don't do maintenance. Sure, you might be fine for 3-5 years, but then your inattentiveness...
by tampaite
Wed Sep 13, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: New or used Lexus ES300h?
Replies: 25
Views: 2162

Re: New or used Lexus ES300h?

Kababayan wrote:
Tue Sep 12, 2017 3:17 pm

I can buy
a new 2017 for about $40,000
a 2013 with 57,000 miles for a little over $20,000.
Go for 2013. You are getting it half-off and probably with 75% life remaining.
by tampaite
Wed Sep 13, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10049

Re: The 10 year car ownership "rule"

I know certain people that buy reliable brands such as Toyota and Honda but know nothing about car maintenance. Their cars broke down 3-5 years. $30,000 spread over 5 years -- $6,000 a year <-- expensive price to pay for Japanese cars. they buy reliable brand but cars broke down ? If you buy unreli...
by tampaite
Wed Sep 13, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10049

Re: The 10 year car ownership "rule"

kamikazekid wrote:
Tue Sep 12, 2017 11:22 am

I guess I am just curious to know when is the optimal time to sell one's car. I have a sedan with 70k and a SUV with 120k miles on it. Both Hondas.
Simple. Once it hits 200K -> time to re-evaluate.
by tampaite
Thu Aug 24, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 6671

Re: Retirement anxiety- emotionally and financially

Pardon in advance the ramble. Long time lurker and my increased job dissatisfaction makes me ponder retirement earlier than previously thought. I am frankly looking for financial objective advice (can we do it) and career advice (is this feeling normal?) One option is to try and work another 2-3 ye...
by tampaite
Thu Aug 24, 2017 7:47 am
Forum: Personal Finance (Not Investing)
Topic: is yodlee moneycenter dead?
Replies: 18
Views: 3362

Re: is yodlee moneycenter dead?

Error : We are experiencing technical difficulties. Please try again later.

Am getting this error after logging into the new platform. Any suggestions?
by tampaite
Sun Aug 20, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2937
Views: 863480

Re: What Movie Have You Recently Watched?

The 100 Year-Old Man Who Climbed Out the Window and Disappeared
by tampaite
Wed Aug 16, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1598

Re: If you received robocalls from cruise lines

You may be eligible to join a class action lawsuit. This one seems to have a more than nominal award. This Miami Herald article contains a link to check to see whether your phone # was on the relevant calling list: http://www.miamiherald.com/news/nation-world/national/article167331957.html Thanks. ...
by tampaite
Wed Aug 16, 2017 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Due to 8 Year Bull Market, Pay Off Rental Now?
Replies: 35
Views: 3812

Re: Due to 8 Year Bull Market, Pay Off Rental Now?

Here's our situation. We are saving 60% of our income So, given the current market situation, does it make sense at this time to pay that mortgage down aggressively and temporarily hold on our other investments? I say just do it. I hear about interest rate is low, don't payoff. Guess what, no one w...
by tampaite
Sat Aug 05, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3702

Re: "National Parks senior passes in short supply."

That's part of the algorithm it uses to verify your age (probably through credit bureau reports). Last 4 of the SSAN is spread all over the place, so I don't think giving it a government contractor is very risky. They claim they don't store the info - once your age is verified it's deleted. Here's ...
by tampaite
Fri Aug 04, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: "National Parks senior passes in short supply."
Replies: 34
Views: 3702

Re: "National Parks senior passes in short supply."

The online app wants Last Four Digits of Social Security Number - why 4 digits but NOT entire social?

Isn't giving social out risky?
by tampaite
Mon Jul 17, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Moving out of USA, How to optimize
Replies: 8
Views: 1207

Re: Moving out of USA, How to optimize

Individual Taxable: 111000 , Individual stocks , some ETFs Cash: 275000 , in savings account. Since I will still be earning in India , and already have cash in CDs in India. I don't plan to keep anything in cash in USD. may be 10000 max just to have a bank account. Please suggest how to invest this...
by tampaite
Mon Jul 17, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2417

Re: gaming the mortgage interest deduction

The mortgage interest deduction is not all its made out to be. For every dollar you send me I will give you back 25 cents to pay your taxes. Sound like a good deal? What if "For every dollar you send me I will give you back 0 cents to pay your taxes. " Something is better than nothing. Simon's poin...
by tampaite
Mon Jul 17, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: gaming the mortgage interest deduction
Replies: 18
Views: 2417

Re: gaming the mortgage interest deduction

SimonJester wrote:The mortgage interest deduction is not all its made out to be.

For every dollar you send me I will give you back 25 cents to pay your taxes. Sound like a good deal?
What if "For every dollar you send me I will give you back 0 cents to pay your taxes. "

Something is better than nothing.
by tampaite
Mon Jul 17, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 9024

Re: Personal Finance Milestone: 20 Times Annual Expense

Hi, As of this Friday, my investment had reached 20 times my current annual expense. There is a light at the end of the tunnel. And, it is not a train. It had been a long and hard struggle over the last 10+ years but it looks like I will make it. Congrats. so the 20x expense will last for another 2...
by tampaite
Thu Jul 13, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Personal loan to a family member
Replies: 114
Views: 7125

Re: Personal loan to a family member

I would like to make a large interest free loan to a family member however I am somewhat worried about getting it back. Since the purpose loan is to buy a home how do I set it up so that I can have a lien on the house until the loan is paid back. What else should I do to protect myself from a defau...
by tampaite
Wed Jul 12, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1821

Re: Credit card vrs checking account for utility bills

I have been having the utility company's, (gas, water, electric, cable) auto withdrawal from my checking account for the monthly bills. Been doing it for 17+ years without issue. Just wondering if it would be prudent to change that and have them charge my credit card instead. Seems like it would of...
by tampaite
Wed Jul 12, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9729

Re: [Amazon Prime Day]

So... my Echo Dot shipped and I'm already having buyers remorse that big brother is going to be listening in on me and whether this was a good idea. I'm not talking about the government. I'm talking about a billion dollar company that wants to make money off of me. Any gadget that needs an internet...
by tampaite
Tue Jul 11, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9729

Re: [Amazon Prime Day]

Pajamas wrote:Buy a $25 Amazon gift card and get a $5 promotional credit, but the credit is only for items sold by Amazon and must be used by August 26th. You can apply a gift card you buy to your own account.

https://www.amazon.com/b/?node=14485264011
Thanks!
by tampaite
Mon Jul 10, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to save for and finance house move up
Replies: 64
Views: 3517

Re: How to save for and finance house move up

Also, to give some more background for everyone else we really dont live an excessive life. We drive late model Honda/toyota's and keep them 10 years. Our current house is one of the cheaper/smaller houses in our neighborhood. We maintain it impeccably (its an antique) and were even offered to put ...
by tampaite
Mon Jul 10, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: How to save for and finance house move up
Replies: 64
Views: 3517

Re: How to save for and finance house move up

For a 500k house I figure we need 120k up front for downpayment, closing costs, movers and incidentals. We would take on a new loan of about 2x income. I've run the numbers and even if we had to use bridge financing we could afford to carry both old mortgage and new mortgage on current cash flow. I...
by tampaite
Thu Jul 06, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14102

Re: Are you finding any good values at Amazon anymore?

Then I just copied the item description from Amazon "Pampers Swaddlers Diapers Size 1, 216 Count" and pasted it into the price rewind search bar and the first result matched. Then I would click "track this item" and at the bottom of the page it says upload receipt, so I'd just drag and drop the PDF...
by tampaite
Thu Jul 06, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14102

Re: Are you finding any good values at Amazon anymore?

After I buy something from Amazon I go to my orders, click on the "view invoice" button, save a copy of it, then I go to Citi and add the items/upload the invoice. They do the tracking for 60 days. How do you add items? Often times, the item doesn't show up in the search bar and there is no way to ...
by tampaite
Thu Jul 06, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14102

Re: Are you finding any good values at Amazon anymore?

Short answer NO. I have $500 Amazon GC loaded into my account and so far this year have bought only about $100 worth of stuff. Most of my shopping has been at Walmart or membership based clubs and with Walmart's free 2-day shipping and free in-store pick-up option plus the nearest location is like <...
by tampaite
Fri Jun 30, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - alternative
Replies: 17
Views: 1136

Re: Merrill Edge - alternative

There is no FREE checking account with Bank of America Link: https://www.bankofamerica.com/deposits/checking/checking-accounts/ Bank of America Core Checking - You need monthly direct deposit of $250 or maintain 1.5K otherwise $12 fees. Bank of America Interest Checking - Maintain 10K otherwise $25 ...
by tampaite
Fri Jun 30, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - alternative
Replies: 17
Views: 1136

Re: Merrill Edge - alternative

I am afraid I don't quite understand how you can trade 10 times a month yet maintain $25,000 in cash at all time. It seems to be that you need $25,000 in cash plus $X that is used to trade stocks. So can you make $25,000 + $X >= $50,000? You mentioned about needing a checking account. You don't nee...
by tampaite
Fri Jun 30, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - alternative
Replies: 17
Views: 1136

Re: Merrill Edge - alternative

I usually make 10 trades a month, sometimes more and sometimes less. I understand MerillEdge pays me no interest but I think that's offset by the free trades I get. Not interested in trading ETFs - strictly for stocks only. Are there any other brokerages that offer $0 trades per month for maintaini...
by tampaite
Fri Jun 30, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - alternative
Replies: 17
Views: 1136

Re: Merrill Edge - alternative

I am afraid I don't quite understand how you can trade 10 times a month yet maintain $25,000 in cash at all time. It seems to be that you need $25,000 in cash plus $X that is used to trade stocks. So can you make $25,000 + $X >= $50,000? You mentioned about needing a checking account. You don't nee...
by tampaite
Fri Jun 30, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - alternative
Replies: 17
Views: 1136

Re: Merrill Edge - alternative

I understand that Merrill Edge has 30 free trades a month, but so what? That's like brokerages who have 10,000 no-transaction-fee mutual funds available. You aren't going to use 30 free trades in a month anyways ... or maybe I should write that you shouldn't have to use 30 free trades in a month. I...
by tampaite
Fri Jun 30, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge - alternative
Replies: 17
Views: 1136

Merrill Edge - alternative

Starting October 1, 2017, maintaining a cash balance of $25,000 will no longer qualify you for $0 online stock and exchange-traded funds (ETF) trades. Merrill Edge will no longer offer 30 $0 online stock and ETF trades per month when you maintain a $25,000 minimum balance in Bank of America® deposi...
by tampaite
Thu Jun 29, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: 47 Single - Never Married - No kids - Diabetes - Retirement
Replies: 17
Views: 3285

Re: 47 Single - Never Married - No kids - Diabetes - Retirement

Need some retirement advice for my situation - please be brutally honest on this. Knowing your health - my suggestion 1. Sell Rental and you'll eliminate the mortgage - live stress free! 2. Take 106K from emergency funds and pay off BOTH Personal loan/Student loan - yes, it puts you at risk of not ...
by tampaite
Thu Jun 29, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Can I retire now?
Replies: 10
Views: 1990

Re: Can I retire now?

Background: Age: 46 and 42(DW), Salary: 120K and 110K (HCOL), two kids 9 and 7. DW wants to continue employed as she loves her job and health insurance provided by her employer Annual expenses: $100K (after tax, including mortgage and property taxes) Retirement Assets: $2,180,000 (60/40 split betwe...
by tampaite
Thu Jun 29, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19383

Re: Buying house - Very important decision

We are a family of 3, husband, myself and a daughter. We are now paying monthly rent $1300. This may go up atleast 100 for the next year. So i am debating to buy (or not buy) this house in middle tennessee. It is $535000 for 3600 sqft house. Lot size is 0.25 acres. I really appreciate any input, su...
by tampaite
Tue Jun 27, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Stop saving and start spending
Replies: 67
Views: 9626

Re: Stop saving and start spending

I am 43 and my wife is 39, and we have kids aged 12 and 9. We are fortunate to have an annual income of $400K. Our house is paid off and it is worth $1.2M. We have $1M in invested liquid assets and another $500K in illiquid assets. In total, we have a net worth of $2.7M. Yes based on no mortgage an...
by tampaite
Thu Jun 15, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: putting more than 20% down on new home purchase
Replies: 41
Views: 5417

Re: putting more than 20% down on new home purchase

The home is around $325,000 - $337,000, depending on options. The closing costs are covered by the developer's bank that I will use ($6000.00) . Further, they will give me credit for being one of the first buyers ($5.000) and ($2500.00) Hometown Heroes program). I will have close to $100,000 to put...
by tampaite
Wed Jun 14, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Saving for a house down payment -- savings account or taxable brokerage?
Replies: 6
Views: 676

Re: Saving for a house down payment -- savings account or taxable brokerage?

WL2034 wrote:1. Let's say we are planning to save X for a down payment, needed in 15 months


Recommend Savings Account - no brainer since 15 month is a short period of time.
by tampaite
Thu Jun 08, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with money I will need in 2 years
Replies: 20
Views: 1332

Re: What to do with money I will need in 2 years

Hi all, I have money for a house (about 100k) that I will need in 2 years at the earliest. Most suggestions on here recommend a high yield savings or a CD. However, I can afford to lose about 20% and still be OK. Should I invest it either the Total Bond Market fund or NY Long term munis(tax equival...
by tampaite
Thu Jun 08, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 6836

Re: How to deal with a personal finance cynic

I introduced a friend to this site and asked him if he liked what he saw and any feedback that he had. I really wanted to help as I knew he was struggling financially but not sure how to deal with a cynic such as him. Any ideas ? Introduce your friend to the Search feature at the top. I think he is...
by tampaite
Wed Jun 07, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 265
Views: 23158

Re: KF's Worst Case Retirement Plan [KlangFool's]

Average life expectancy in US is 78 years ... According to the Social Security administration, once you get to retirement age range, life expectancy is in the mid-80's. That doesn't invalidate your statement but does revise the target a bit. SSA Actuarial Life Table (2013) Age Life Expectancy (roun...
by tampaite
Mon Jun 05, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: KF's Worst Case Retirement Plan [KlangFool's]
Replies: 265
Views: 23158

Re: KF's Worst Case Retirement Plan [KlangFool's]

Folks, Look like 1) 1 million to 1.3 million need major adjustment/adaptation to make it work. 2) 1.3 million to 1.5 million need minor adjustment/adaptation to make it work. 3) 2 million -> retire now. KlangFool I think based on what you've shared so far, I have a sense that you can do it with wha...
by tampaite
Sun Feb 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 1478

US debt approaching $20 Trillion

With US debt approaching $20T and other unfunded federal govt debt obligations around $100T - how will the next 15-25 year horizon affect stock market? I think with higher debt repayment obligations, the county will not have resources to invest in infrastructure and development - You cannot print mo...
by tampaite
Fri Feb 17, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 5692

Re: Vanguard Web Site Down?

Working now.

Vanguards needs to maintain availability of IT systems during trading hours. I would be less upset if this occurred after-hours.
by tampaite
Fri Feb 17, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 5692

Re: Vanguard Web Site Down?

munemaker wrote:
SleepKing wrote:Also not able to access it. No notification of technical difficulties on their homepage.


Working fine here.


what is working? are you able to login?
by tampaite
Fri Feb 17, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 5692

Re: Vanguard Web Site Down?

This is the second time in the last year this has happened.

I need to place a sell order and website is down and am not able to get through customer service - shucks