Search found 286 matches

by tampaite
Sun Feb 19, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: US debt approaching $20 Trillion
Replies: 18
Views: 1122

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: 3593

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: 3593

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: 3593

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
by tampaite
Thu Feb 02, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 2923

Re: How to save money on a minivan?

I didn't want to spend over $20k, but even less would be better. That makes two of us. I have been re-searching as well since we have a growing family. My budget is only 15K. At or below $15K, I have found several Sienna's and Odyssey's between years 2006 to 2011 range but almost all of them were 8...
by tampaite
Thu Feb 02, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Mom wants an air fryer?
Replies: 29
Views: 2910

Re: Mom wants an air fryer?

My mother's birthday is coming up and I asked her what I could get for her and she mentioned an air fryer, no brands or specs. Anybody use one of these? any brand recs? looks like you can slice up chicken and vegetables and with minimal added oil, get the texture of fried food. One site mentioned t...
by tampaite
Thu Feb 02, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Amazon phantom RMA label & UPS driver?
Replies: 23
Views: 1627

Re: Amazon phantom RMA label & UPS driver?

Is your Amazon account shared? meaning you have another household member(s) who can place orders. If so, check with them.

Link: Your orders on Amazon
by tampaite
Wed Jan 25, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Penalty for making early withdrawal - 401k discrimination test
Replies: 8
Views: 947

Re: Penalty for making early withdrawal - 401k discrimination test

Is it a 401k excess contribution or a HSA excess contribution. TT says The penalty comes from for making excess contributions to a Health Savings Account. It shows 2016 contribution as $3350 and if I change this to any number other than $0, am subject to penalty which I don't understand. 401K conti...
by tampaite
Tue Jan 24, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Penalty for making early withdrawal - 401k discrimination test
Replies: 8
Views: 947

Re: Penalty for making early withdrawal - 401k discrimination test

Figured it.

I have in Box 12 - W for Employer contribution for Health Savings Account. My employer contributes $0 so my contribution is showing up as Employer contribution for Health Savings Account.

When i change this value to $0, the penalty goes away
by tampaite
Mon Jan 23, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Penalty for making early withdrawal - 401k discrimination test
Replies: 8
Views: 947

Re: Penalty for making early withdrawal - 401k discrimination test

I'm guessing that you do not have your 1099 from it yet. That should give you the correct 1099 code. Did you get a 1099-R for this distribution? Is one coming? Are you trying to do your taxes before you have all your 1099s? Thank you. I only have the W-2 form and added that to TT. I will wait for 1...
by tampaite
Mon Jan 23, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Penalty for making early withdrawal - 401k discrimination test
Replies: 8
Views: 947

Penalty for making early withdrawal - 401k discrimination test

Hello All. Started doing my taxes in Turbotax(TT) and TT is stating that am subject to $XXX penalty for taking an early withdrawal or making an excess contribution to an IRA or other tax-favored account. The only event that occured was in late last year, I received a check(return of contribution) fr...
by tampaite
Wed Jan 18, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Wireless Surveillance Camera System Recommendation
Replies: 11
Views: 1494

Re: Wireless Surveillance Camera System Recommendation

It's best to purchase where you can either return them or get refund back.

Zmodo has good wirless camera, check out reviews on Amazon

Link: http://amzn.to/2iJqB1D
by tampaite
Tue Jan 17, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Interviewing Candidates That Will Be Your Boss
Replies: 17
Views: 1685

Re: Interviewing Candidates That Will Be Your Boss

cannondale wrote: What are some probing questions that you'd suggest?



Empathy and Compassion is very important to me so I'd phrase my questions to check those qualities.
by tampaite
Mon Jan 16, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance suggestions for FL
Replies: 4
Views: 448

Re: Auto insurance suggestions for FL

moneywise3 wrote:
Anyway, now on to positivity, am looking for recommendations on auto insurers. Prefer the ones that don't do a credit check and market other financial products. Thanks.


Was with Geico and now Progressive but change your Auto insurer every 2 years for best rates...
by tampaite
Sun Jan 15, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Nespresso Inissia Espresso Maker? (or similar)
Replies: 29
Views: 1690

Re: Nespresso Inissia Espresso Maker? (or similar)

I've been looking at this ever since I tried a honey cardamom latte at a coffee shop in Florida a couple weeks ago. I am really wondering if it can make a decent espresso at home without too much hassle? Have any of you tried a machine like this (or a similar unit?) ? thanks Have you tried a stove ...
by tampaite
Sun Jan 15, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6933

Re: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases

This card actually looks pretty useless outside of Amazon itself. The Synchrony store card may be better (if you have Prime). I've had the old Chase Amazon card (not Prime) for years, and it's pretty much a sockdrawer card. Death of Sallie Mae may change this, but there's still other chances for 5%...
by tampaite
Sun Jan 15, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 21
Views: 1672

Re: FL prepaid plan(4-Year Florida University Plan)

First of all, it's important to point out that the program is not a massive free lunch paid for by Florida taxpayers. As noted by Taz, tuition and fees (all that is covered, the Dorm plan is separate) at UF or FSU is about $6400 a year currently, or a total of $25600 for 4 years. For 2035 entry, th...
by tampaite
Thu Jan 12, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: how friends can hurt you financially unintentionally
Replies: 24
Views: 3221

Re: how friends can hurt you financially unintentionally

I finally decided to invest only in the S&P 500 per Warren Buffett and/or VTI as recommended by John Bogle. Both assets have performed almost the same over the long term. A good friend keeps after me regularly saying I would be buying at a terribly high price now since the U.S. market has gone ...
by tampaite
Wed Jan 11, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6933

Re: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases

student wrote:US Bank Cash+ allows you to pick 2 categories for 5% cash back. One of the available options is bookstores. Amazon is still count as bookstores.


does this apply to all amazon.com purchases or only books?
by tampaite
Wed Jan 11, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6933

Amazon Prime Rewards Visa Signature Card

For prime member, Amazon is offering 5% back when using the Amazon Prime Rewards Visa Signature Card for puchases on Amazon.com

For non-prime members, it is 3%

Link: Amazon Prime Rewards Visa Signature Card
by tampaite
Mon Jan 09, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 21
Views: 1672

Re: FL prepaid plan(4-Year Florida University Plan)

I've two young kids and I'm choosing this Florida Prepaid route with one lump sum this enrollment cycle and another lump sum on the next cycle. If my kids enroll elsewhere, I'll get the money back with about what I would have spent on in-state tuition. This is one of those deal-breakers if it won't...
by tampaite
Sun Jan 08, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: FL prepaid plan(4-Year Florida University Plan)
Replies: 21
Views: 1672

FL prepaid plan(4-Year Florida University Plan)

Link: http://www.myfloridaprepaid.com/what-we-offer/four-year-university-plan/ Considering investing lump-sum into the 4-Year Florida University Prepaid Plan. Currently, the lump-sum amount is $29,472 for a kid born in 2017 who would be covered for 120 credit hours in a State university in year 2035...
by tampaite
Wed Jan 04, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help Elderly Person - Income generating with $1500
Replies: 19
Views: 1980

Re: Help Elderly Person - Income generating with $1500

Thanks all.

I'll take this back and the message seems to be, to continue with status quo.
by tampaite
Wed Jan 04, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help Elderly Person - Income generating with $1500
Replies: 19
Views: 1980

Re: Help Elderly Person - Income generating with $1500

The answer is $1500 cannot be made to produce ehat I would consider income. My opinion is you are asking for the impossible. There is no meaningful suggestion. [Post removed by admin LadyGeek] Total Stock Market Index has returned 7% over the last 15 years so isn't that better than 1% in savings ac...
by tampaite
Wed Jan 04, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help Elderly Person - Income generating with $1500
Replies: 19
Views: 1980

Help Elderly Person - Income generating with $1500

My elderly neighbor stopped by the other day and we were discussing among other things, how she is getting along financially. She told me she needs my suggestion on the $1500 in her savings account and how she can get more from investing it. I don't have any additional details regarding her other in...
by tampaite
Tue Jan 03, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10232

Re: Max It Out Tomorrow

That time of year again. If you have already maxed out your 2016 IRA, Max Out 2017 Tomorrow, If able. "Time,Not Timing" :mrgreen: I wouldn't suggest investing all in a single day. Would look to spread it around over several weeks or months. Am surprised that most people quote "past p...
by tampaite
Fri Dec 23, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do states that do not have income state taxes survive
Replies: 25
Views: 2083

Re: How do states that do not have income state taxes survive

How a state like Florida that does not have income state taxes make up for the money other states make on income state taxes. Also, is it fair to assume that if i move from NY to FL and say I pay 10% income state taxes in NY and suppose my income remains the same and all my expenses (just suppose t...
by tampaite
Thu Dec 15, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: If and how to bring up inappropriate conduct of former boss?
Replies: 60
Views: 4651

Re: If and how to bring up inappropriate conduct of former boss?

The whole situation is really starting to weigh down on me, but I really conflicted if I should bring it up first or support people who work for him now to speak up. You need to speak up but do so carefully. I agree with using the ethics hotline if one is available. The worst that can happen - they...
by tampaite
Sat Dec 10, 2016 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need to invest $100k cash in 401k
Replies: 3
Views: 384

Re: Need to invest $100k cash in 401k

With the market at an all time high, should I DCA the rest over the next several months or just invest it all in a lump sum? I'm not trying to time the market, but I am a little concerned that I'd be buying equities when the market is overpriced with such a large sum of money. Any advice? Split 100...
by tampaite
Sat Dec 10, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 11139

Re: Amazon Prime Getting Stingy?

Lately, I noticed that if item price is lower than from when the order was placed and item hasn't shipped, Amazon will still not refund the difference. Wasn't like that few months ago. I couldn't cancel and re-order since I was using one-time promotional codes but I've also upped the game. Now, most...
by tampaite
Wed Dec 07, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Getting Stingy?
Replies: 90
Views: 11139

Re: Amazon Prime Getting Stingy?

Anyone else experiencing some trouble from Amazon? Is this an isolated incident or have others noticed similar situations? I'm considering dropping Prime altogether. I have had the same issue. Package was delivered after being delayed for 4 days past delivery date and there was no compensation. Cus...
by tampaite
Wed Dec 07, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Linking bank accounts through a third party
Replies: 4
Views: 559

Re: Linking bank accounts through a third party

Fidelity asked to verify my identity by providing mu username and password that I use to login to that other bank. Fidelity says it will use a third party (I think, Early Warning) that will capture my name, age, username and password and other confidential information, Fidelity will share that info...
by tampaite
Mon Nov 14, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Negotiating car insurance premium with Geico
Replies: 28
Views: 3123

Re: Negotiating car insurance premium with Geico

I have used Geico for the past 10 years for my car insurance. For the past 5 years I noticed the premium went up an average of 8%/year for the same coverage. Has anyone tried and succeeded to bring their premium prices down on Geico by calling and negotiating with them or threatening to leave? If s...
by tampaite
Fri Oct 28, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance rates went up
Replies: 155
Views: 14098

Health Insurance rates went up

So, I get the healthcare enrollment information for 2017 from my employer and I notice the highlights: * Premiums will increase 3.3% * Annual deductibles will increase 25% * Annual Out Of Pocket(OOP) expense will increase 38% Is there any other alternative to signing up for cheaper plan other than o...
by tampaite
Thu Oct 06, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Is it ok to hire a contractor NOT licensed/bonded?
Replies: 11
Views: 1366

Re: Is it ok to hire a contractor NOT licensed/bonded?

financial.freedom wrote:
We have three estimates and the person we like best does all the work himself, seems very thorough, has good references.


You've said it.
by tampaite
Mon Oct 03, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 41
Views: 3368

Re: Roadside assistance Programs

Be aware that any towing will show up on the CLUE report used by the insurance industry. Multiple claims can adversely affect you. In some instances one towing loss could generate a change in your rating tier causing a premium increase. Your statement needs a little more clarification. Most claims ...
by tampaite
Wed Sep 28, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 5591

Re: Reason NOT to wait past 66 to take Social Security

My 2cents.

Take it at the earliest you can unless you can predict the future!

I know there are various arguments that you'll end up poorer etc but take it when you can.
by tampaite
Sat Sep 17, 2016 5:51 pm
Forum: Investing - Theory, News & General
Topic: Monsanto
Replies: 14
Views: 2013

Re: Monsanto

The transaction includes a $2-billion break-up fee that Bayer will pay to Monsanto should it fail to get regulatory clearance. so why can't Bayer instead buy $2 billion worth of Monsanto stock and get dividends to boot along with growth in stock price(in future) $2B is ~ 4% of Monsanto's market cap...
by tampaite
Sat Sep 17, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: Monsanto
Replies: 14
Views: 2013

Re: Monsanto

Reuters wrote:The transaction includes a $2-billion break-up fee that Bayer will pay to Monsanto should it fail to get regulatory clearance.


so why can't Bayer instead buy $2 billion worth of Monsanto stock and get dividends to boot along with growth in stock price(in future)
by tampaite
Fri Sep 16, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: Strategy to buy expensive house
Replies: 67
Views: 5896

Re: Strategy to buy expensive house

This is a hypothetical situation. Let's say a family is making $200k/year. And let's say they are willing to work for 30 years. They want to eventually buy a $1 Million house. Which method makes more sense: My method: Stay put wherever you are and save 50% of the $200K/year and in 10 years pay cash...
by tampaite
Thu Sep 15, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Account for Toddler
Replies: 34
Views: 2971

Re: Account for Toddler

What are the mechanics of turning an account over like this? Are there any tax considerations? Similarly, how are taxes handled if the account is joint between me and my child? Several ways. This is one of them. Am assuming you won't be trading actively in this account and rather you'll be investin...
by tampaite
Thu Sep 15, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Account for Toddler
Replies: 34
Views: 2971

Re: Account for Toddler

My toddler gets some birthday and holiday money, which I would like to put into an index fund and turn over at some point (or use it for an allowance when ready). I am trying to decide between an account in my name, a joint account with me and my child, or a UTMA. I value simplicity a lot, so I am ...
by tampaite
Mon Sep 12, 2016 10:21 am
Forum: Investing - Help with Personal Investments
Topic: What order should I be adding to my retirement accounts?
Replies: 17
Views: 1931

Re: What order should I be adding to my retirement accounts?

rentonhighlands wrote:
In what order should I contribute to my accounts?


You may not have all the accounts but this would be my suggestion in order:

  • Roth 401K
  • Roth IRA
  • HSA
  • Traditional 401K
  • Traditional IRA
  • Taxable account at brokerage firm
by tampaite
Fri Sep 09, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: WellsFargo customers - check your credit report ( due to massive scandal)
Replies: 4
Views: 985

WellsFargo customers - check your credit report ( due to massive scandal)

FYI. Link: http://www.zerohedge.com/news/2016-09-08/wells-fargo-fires-5300-engaging-massive-fraud-creating-over-2-million-fake-accounts?page=3 Q:I don't have an account with WellsFargo(WF) but let's assume I did and one of the WF employee decides to open an account in my name with phony email, phony...
by tampaite
Tue Sep 06, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: HSA and Capital gains
Replies: 10
Views: 903

Re: HSA and Capital gains

Most people would probably not rebalance 83/17 to 80/20 because the difference is so small and they probably have "bands" or "ranges" to know when they are out of balance. That is, they might need to be at 90/10 or 85/15 before they rebalanced back to 80/20. There is this wiki a...
by tampaite
Tue Sep 06, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: HSA and Capital gains
Replies: 10
Views: 903

Re: HSA and Capital gains

Selling winning investments to "take money off the table" or in your words "harvest profits" is a common mistake that investors make. See https://en.wikipedia.org/wiki/Disposition_effect Thanks for your response. So, when do you sell your winning investments ? When selling inves...
by tampaite
Tue Sep 06, 2016 10:38 am
Forum: Investing - Help with Personal Investments
Topic: HSA and Capital gains
Replies: 10
Views: 903

Re: HSA and Capital gains

So, when do you sell your winning investments ? Doesn't everybody have an IPS and an AA plan? Don't you? I don't know about others but I don' thave one - didn't think I needed it. I usually don't touch my 401K or Roth IRA since funds are entirely in Target date funds. HSA account is the outliner.
by tampaite
Tue Sep 06, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: HSA and Capital gains
Replies: 10
Views: 903

Re: HSA and Capital gains

slayed wrote:Selling winning investments to "take money off the table" or in your words "harvest profits" is a common mistake that investors make. See https://en.wikipedia.org/wiki/Disposition_effect


Thanks for your response.

So, when do you sell your winning investments ?
by tampaite
Tue Sep 06, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: HSA and Capital gains
Replies: 10
Views: 903

HSA and Capital gains

As per the HSA guidelines - Any interest, dividends, or capital gains earned also remain tax-free as long as they stay in the account and are used for health-care expenses. I have an HSA account with PayFlex and investments from HSA are at BNY Mellon. I need to keep a minimum of $1K with PayFlex and...
by tampaite
Sun Sep 04, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Buy, sell or hold Caterpillar?
Replies: 29
Views: 3048

Re: Buy, sell or hold Caterpillar?

Caterpillar buy or hold? I worked for the company for 33 years and I still have 6000 shares, 5500 in my trust brokerage acct and 500 in my 401k. It still pays a good dividend which I reinvest. Maybe I'm just getting nervous in my old(er) age but this commodities dip feels different somehow! Your th...

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