Search found 1350 matches

by tbradnc
Thu Aug 11, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Netspend, Insight, Mango....I finally give up
Replies: 5
Views: 815

Re: Netspend, Insight, Mango....I finally give up

Closed all of mine last week. No problems getting the money out. So I earned 5% on $45,000 for about 9 months.

It would have taken 45 months - almost 4 years - to make the same amount of interest sitting in Ally so I hate that it ended but no regrets.
by tbradnc
Mon Aug 08, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 12734

Re: Better than amazon??

Heard today Walmart is buying Jet for $3 billion. Must be something there.
by tbradnc
Sat Aug 06, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Connections that save you money
Replies: 51
Views: 6841

Re: Connections that save you money

When hiring someone to do a job, I always tell them that I am having the job quoted by 2 other people. Once I receive a quote from them that I believe is fair, I immediately tell them that if they will agree to knock 10-15% off the quote, I will save the time of quoting out the job and go with them...
by tbradnc
Fri Aug 05, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 543
Views: 286849

Re: Mango prepaid card - 4.8% (effective) APY

One net positive about closing all these prepaids is that I have simplified my online banking. I had Ally maxed out at 20 external banks, CO360 maxed out at 3 and Amex maxed out at 3. Last month I opened my 4th online savings at Goldman-Sachs. I can now delete these: -2 (mango) -6 (netspend) -1 (ins...
by tbradnc
Thu Aug 04, 2016 8:53 am
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 99
Views: 7807

Re: Avoid International?

If a reader used topic titles to invest they'd avoid international and go 100% Wellesley. So..... I wouldn't be surprised if international didn't start outperforming and Wellesley underperformed. Wellesley is supposed to underperform, isn't it? I hold Wellesley expecting higher returns and more ris...
by tbradnc
Thu Aug 04, 2016 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How are taxes different after retirement?
Replies: 39
Views: 3338

Re: How are taxes different after retirement?

Tennessee Hall Tax, which disportionately affects seniors: How much is it?: 6 percent Who must pay it?: Anyone who earns more than $1,250 from investment income, or couples who earn more than $2,500 from investment income Who's exempt right now?: Anyone 65 years old or older who earns less than $33,...
by tbradnc
Thu Aug 04, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Website Inaccessible all Week
Replies: 16
Views: 1188

Re: Ally Bank Website Inaccessible all Week

Beginning last weekend, I have been unable to access their website. I called them yesterday to make sure it was not a problem on my end and the rep said it's them and they are working on it. He said they expected to be back up yesterday afternoon, but it is not as of this morning. This outage is no...
by tbradnc
Thu Aug 04, 2016 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Website Inaccessible all Week
Replies: 16
Views: 1188

Re: Ally Bank Website Inaccessible all Week

I've been logging in all week and as a matter of fact have a tab open this very second. No problems here.
by tbradnc
Thu Aug 04, 2016 6:51 am
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 99
Views: 7807

Re: Avoid International?

If a reader used topic titles to invest they'd avoid international and go 100% Wellesley. So..... I wouldn't be surprised if international didn't start outperforming and Wellesley underperformed.

But who knows.
by tbradnc
Tue Aug 02, 2016 7:00 am
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 7968

Re: How long to turn 1 million to 2 millions for you?

The only problem is that a million dollars isn't what it used to be. I think $5,000,000 is the new 1,000,000. There will always be someone who has more and someone who has less. If one can accumulate any sum of assets that is the product of their own efforts (no windfall, inheritance, funny money s...
by tbradnc
Tue Aug 02, 2016 6:32 am
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 7968

Re: How long to turn 1 million to 2 millions for you?

The only problem is that a million dollars isn't what it used to be. I think $5,000,000 is the new 1,000,000.
by tbradnc
Mon Aug 01, 2016 9:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 6069

Re: Vanguard Dividend Growth just closed (effective *now*)

YTD returns through 7/31/2016 Vanguard Dividend Growth - 7.25% Yield - 1.91% Vanguard Total Stock Market Index - 7.68% Yield 1.91% Don't seem to know what all the fuss is about......... :) Hmm.. Vanguard's site gives different numbers: http://imgur.com/a/qjVOp (sorry, never have figured out how to ...
by tbradnc
Mon Aug 01, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3357

Re: Living in various places 4 months out of the year.

Look at the house trading websites. Lots of great options. As for your choices... hmmmmmm... Ogden? How about Logan, Provo, Cedar City or St. George? As for Lone Pine I actually have a friend from there and he doesn't make it sound too exciting. I've spent time in Lone Pine (loved it!) and a little...
by tbradnc
Mon Aug 01, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 43
Views: 3357

Living in various places 4 months out of the year.

So my wife and I have been plotting what we want to do with ourselves for the next 10 or 12 years and we've hit upon an idea. We don't want to move-move because we're in close proximity to our young adult children but there are parts of the country we'd like to really experience at a level beyond wh...
by tbradnc
Mon Aug 01, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 543
Views: 286849

Re: Mango prepaid card - 4.8% (effective) APY

Well, I think I'm going to take one for the team and close out all my prepaids - Mango, Netspend, and Insight. With the Mango and Netpsend changes I feel like I'm swatting at mosquitoes flying around my head. I'm just going to find another rewards checking account paying 3% or so. Maybe if enough pe...
by tbradnc
Mon Aug 01, 2016 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 193
Views: 16276

Re: How many folks choose to give inheritance to their children in unequal portions?

Article in the NYTs relating to this: "How a Will Treating Children Differently Can Still Be Fair" http://www.nytimes.com/2016/07/30/your-money/how-a-will-treating-children-differently-can-still-be-fair.html?em_pos=small&emc=edit_my_20160801&nl=your-money&nl_art=0&nlid=6161...
by tbradnc
Mon Aug 01, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: Navy Federal 2%, 20 month CD
Replies: 1
Views: 699

Navy Federal 2%, 20 month CD

Navy Federal has a CD special running.

Term: 20 months
Rate: 2% APY
Min: $20
Max: $20,000
Add on: Yes
Link: https://www.navyfederal.org/products-se ... 16|||cb1.3
by tbradnc
Sun Jul 31, 2016 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 44
Views: 4181

Re: I have $3,000 to gamble

Here is what to do. Each morning see if crude is up or down and look at the premarket pricing for related companies (XOM, COP, etc.). If it looks like a down day for crude, place an order for ERY. If it looks like a good day for crude place an order for ERX. No matter what happens, close the positio...
by tbradnc
Sun Jul 31, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I retire" related question
Replies: 15
Views: 1696

Re: "Can I retire" related question

I think it is a very good strategy but not for the OP. The OP is in a position where he can take far more from his portfolio than he desires. If he followed the smoothing strategy he would be drawing something like $100k+ a year which does not seem to be his/her intention. I like it and it is a goo...
by tbradnc
Sun Jul 31, 2016 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I retire" related question
Replies: 15
Views: 1696

Re: "Can I retire" related question

where do you get a 3% checking account for 100k size balances? I rarely see over 1% (sorry for the "Squirrel!!!" but that seems like an exceptional offer) 2 LMCU: $15,000 per account (1 for me, 1 for wife) 2 My Consumers $20,000 per account (me/spouse) - This one earns 4.59% 1 Destination...
by tbradnc
Sun Jul 31, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Can I retire" related question
Replies: 15
Views: 1696

Re: "Can I retire" related question

Roth conversion followup: Health insurance factored into our monthly expenses is based on a generous ACA subsidy which affords us a $0 premium on a HDHP. Last year our MAGI was ~$30,000 and that included a $5000 Roth conversion to get us just above the Medicaid threshold. I am aware that the ACA sub...
by tbradnc
Sun Jul 31, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: "Can I retire" related question
Replies: 15
Views: 1696

Re: "Can I retire" related question

If only one of you make it to 70, your SS income is half of the projection? Well.. my wife's benefit at age 70 will only be $1400. Mine at age 70 is $2600. I would delay until age 70 anyway to give her the higher survivor benefit and since hers is such a small amount at age 62 ($790) waiting until ...
by tbradnc
Sun Jul 31, 2016 7:01 am
Forum: Personal Finance (Not Investing)
Topic: "Can I retire" related question
Replies: 15
Views: 1696

"Can I retire" related question

If you please, tell me if there is a problem with my plan... I'm receiving the last payment from the sale of my business in December. This means that come January we will begin relying on our portfolio and $15k/yr after tax profit from a hobby-turned-business. I'm leaning towards the strategy here: ...
by tbradnc
Sat Jul 30, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 6069

Re: Vanguard Dividend Growth just closed (effective *now*)

Some years ago I was in International Explorer. It got hot, was the "hot hands fund" in a popular newsletter for 2 years in a row, Vanguard closed it at the peak and that was pretty much the end of the ride for IE.
by tbradnc
Fri Jul 29, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Reasonable Rate of Return for Local Business Venture
Replies: 9
Views: 853

Re: Reasonable Rate of Return for Local Business Venture

When my son was 19-20 he had a hustle going buying used cars, detailing and doing minor repairs and then reselling the vehicles.

After a couple of cars he had plenty of money to finance himself. I'm not sure why your guy needs you.
by tbradnc
Thu Jul 28, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 6069

Re: Vanguard Dividend Growth just closed (effective *now*)

I'm thinking Wellesley could be on the list of funds that might close soon.

Am I the only one who has noticed that "100% Wellesley?" type posts have been popping up lately? Surely that fund has a massive inflow.
by tbradnc
Tue Jul 26, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for the "new normal": how?
Replies: 49
Views: 5071

Re: Planning for the "new normal": how?

Has it ever been easier? Did people sit around their living rooms thinking about their allocations while the Nazis were marching across Europe How about in the early 60s when we were within inches of blowing up the planet? Has there ever been a "good old days" of retirement planning when t...
by tbradnc
Tue Jul 26, 2016 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 78
Views: 9083

Re: TDBank promo just started easy $600

I love when people complain about this stuff. I'm more than happy to spend hours doing this. If it takes me 3 hours to generate a $300 bonus, that's worth it to me as it is basically working for $208,000/yr. A fair bit more than I make as a salaried employee who deals with real headaches on a daily...
by tbradnc
Tue Jul 26, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 78
Views: 9083

Re: TDBank promo just started easy $600

I just activated two TD Checking accounts using the promo link online for my wife and I. After the accounts were activated, we went to our local TD Bank to finish the process of activating our online accounts so we could login. The TD Bank representative confirmed that in order to receive the $300 ...
by tbradnc
Sun Jul 24, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: August vacation to Glacier NP
Replies: 21
Views: 2146

Re: August vacation to Glacier NP

As a long distance hiker I have to say that the observation about seeing great sites easily by car vs hiking is very true. It's a bit like trying to see the country by interstate instead of taking back roads. If you really, really want to see the best in natural beauty most often it requires some ef...
by tbradnc
Sat Jul 23, 2016 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Quick Taxcaster question.
Replies: 3
Views: 270

Re: Quick Taxcaster question.

Other Income->IRA Distributions. If you have IRA basis, enter the taxable amount of the conversion/withdrawal. Note that the dividends field are treated as Qualified Dividend Income. If you have non-qualified dividend income, enter that in the interest field. Thank you - makes sense. BTW, I believe...
by tbradnc
Sat Jul 23, 2016 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Quick Taxcaster question.
Replies: 3
Views: 270

Quick Taxcaster question.

Roth conversions - would that go under "Your income -> taxable income" ?
by tbradnc
Sat Jul 23, 2016 6:22 am
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4383

Re: Are you feeling uncomfortable? [with your investments]

p.s. Thanks OP for bringing this up. You spurred me to action on something that's been nagging at me.
by tbradnc
Sat Jul 23, 2016 6:16 am
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4383

Re: Are you feeling uncomfortable? [with your investments]

I've got 3 stocks that have grown to become almost 20% of my equity position and that's starting to worry me. It should. I hope it makes you uncomfortable enough to diversify. What if one of them ends up being a Polariod? Polaroid was a fine stock in its day, right up there with Digital Equipment.....
by tbradnc
Fri Jul 22, 2016 5:34 pm
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 191
Views: 25990

Re: Delay Social Security to age 70 and Spend more money at 62

I have read this many, many (many times) and I have a question. Why wouldn't you just take $63,182 out of your $1,000,000 every year for 8 years and then at age 70 reduce the amount you take out of your portfolio by $34,092? What's the point of taking out $272,736 and sticking it in a savings accou...
by tbradnc
Thu Jul 21, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 191
Views: 25990

Re: Delay Social Security to age 70 and Spend more money at 62

I have read this many, many (many times) and I have a question. Why wouldn't you just take $63,182 out of your $1,000,000 every year for 8 years and then at age 70 reduce the amount you take out of your portfolio by $34,092? What's the point of taking out $272,736 and sticking it in a savings accoun...
by tbradnc
Wed Jul 20, 2016 8:32 pm
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4383

Re: Are you feeling uncomfortable? [with your investments]

I've got 3 stocks that have grown to become almost 20% of my equity position and that's starting to worry me.
by tbradnc
Wed Jul 20, 2016 8:27 pm
Forum: Investing - Theory, News & General
Topic: 3% cd
Replies: 23
Views: 3751

Re: 3% cd

Series EE US savings bonds are very similar 3.5% 20-year CDs. Seen this way, EE bonds are probably the best "CD" around if you just look at interest rates. They do have the equivalent of a very draconian "early withdrawal penalty" if you redeem in less than 20 years -- you get a...
by tbradnc
Wed Jul 20, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Little update
Replies: 12
Views: 1193

Re: Little update

I was raised in a blue-collar, working family so I didn't grow up around money. I remember in my early 20's thinking how awesome it would be to have $1000 saved up. When I got to $1000 the number mysteriously became $5000... Yeah.. $5000. Got to $5000 - turned to $10,000. $10,000 -> $50,000 $50,000 ...
by tbradnc
Tue Jul 19, 2016 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: [How should I simplify my international holdings?]
Replies: 6
Views: 651

Re: Run something up the flag pole

Thanks all, the deed is done.
by tbradnc
Tue Jul 19, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: [How should I simplify my international holdings?]
Replies: 6
Views: 651

Re: Run something up the flag pole

jebmke wrote:Was all the loss consumed last year or has some carried over?


Carried over.
by tbradnc
Tue Jul 19, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: [How should I simplify my international holdings?]
Replies: 6
Views: 651

[How should I simplify my international holdings?]

Looking to simplify my international holdings a little - I think I have a fund I may not need. Last December I TLHed out of Total International into Vanguard FTSE All-World ex-US Index Fund. I also have Developed Markets Index Fund (VTMGX) which I've owned for many years - it was Tax Managed Interna...
by tbradnc
Mon Jul 18, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4677

Re: Who do you not tip, and why?

I've got almost 2 million dollars. I can afford to give a couple of bucks to someone serving me. If nothing else practicing generosity on a person-to-person level builds character as I define it. How much money you have is not the point. I have way more than 2 million, but why should I, the custome...
by tbradnc
Mon Jul 18, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4677

Re: Who do you not tip, and why?

I've got almost 2 million dollars. I can afford to give a couple of bucks to someone serving me. If nothing else practicing generosity on a person-to-person level builds character as I define it.
by tbradnc
Mon Jul 18, 2016 7:59 am
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1557

Re: discount cards for prescriptions?

An anecdotal story related to some of the above.

We have a HDHP and due to ACL surgery my wife hit her deductible this year and a prescription she gets filled at CVS dropped to $15.85. The same exact pills at Walmart are $2... (50% of $4).... Crazy.
by tbradnc
Mon Jul 18, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: When traveling what do you use to bank online safely
Replies: 44
Views: 2488

Re: When traveling what do you use to bank online safely

iPhone with CLoak (VPN) and https...
by tbradnc
Mon Jul 18, 2016 7:21 am
Forum: Personal Consumer Issues
Topic: discount cards for prescriptions?
Replies: 27
Views: 1557

Re: discount cards for prescriptions?

Goodrx absolutely works. My brother uses his Goodrx coupons at Walmart without any problems or hassle.
by tbradnc
Mon Jul 18, 2016 7:08 am
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1493

Re: State income tax question

So basically, the benefit of being domiciled in TN is that TN will not tax him regardless of what the state where he works does (for example Texas). No, he would save money living in TN if he were working in another state without an income tax. For example, he's been in TX all year and will have to...
by tbradnc
Sun Jul 17, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1493

Re: State income tax question

North Carolina taxes income earned in NC whether one is a resident or not. "Every nonresident who received income for the taxable year from North Carolina sources that was attributable to the ownership of any interest in real or tangible personal property in North Carolina or derived from a bu...

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