Search found 1366 matches

by tbradnc
Sun Sep 25, 2016 9:04 pm
Forum: Personal Consumer Issues
Topic: Three Full Days in Asheville, NC - Help for First Timers
Replies: 26
Views: 1488

Re: Three Full Days in Asheville, NC - Help for First Timers

In in Asheville every week (live about 45 minutes away).

Put visiting/touring the Biltmore House on your list.
by tbradnc
Fri Sep 23, 2016 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Threshold for pre-notifying credit card companies?
Replies: 40
Views: 2463

Re: Threshold for pre-notifying credit card companies?

Back in the day when the PenFed Cash Rewards card was hot this was a big deal. They'd turn off the card if I tried to buy a pack of gum outside my city limits and we'd have to call in. FYI, Citi has a feature where they'll text you and your reply will turn the card back on if you acknowledge you mad...
by tbradnc
Fri Sep 23, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement fund with new Vanguard system question
Replies: 4
Views: 757

Re: Settlement fund with new Vanguard system question

Very good, thanks!

I see the money is available to trade *and* available to withdraw - except there is no mechanism to withdraw it and the Federal MMF is just sitting there with a $0.00 balance.
by tbradnc
Fri Sep 23, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Settlement fund with new Vanguard system question
Replies: 4
Views: 757

Settlement fund with new Vanguard system question

Ok.. so Vanguard upgraded me to their new account system and I have the Federal MMF as a settlement account within my brokerage account. I sold stock on the 20th and have a settlement date of the 23rd (today). The full dollar amount is shown as "available $$ to trade" but the settlement fu...
by tbradnc
Sat Sep 10, 2016 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Banks not honoring bank bonuses on time
Replies: 30
Views: 2094

Re: Banks not honoring bank bonuses on time

My wife and I test drove a Subaru for a $25 Visa gift card. It took 2 months of badgering to finally get it.

I played the bank bonus thing for a while but anymore when I see a bonus of even $300 it doesn't get me going. It's just not much money for what's required.
by tbradnc
Thu Sep 08, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Ransomware alert
Replies: 54
Views: 4918

Re: Ransomware alert

If you keep data in a cloud somewhere be sure to encrypt it. I've been using Boxcryptor for a few years and like it. https://www.boxcryptor.com/en

Works with all Dropbox, Google Drive, etc. etc. etc.
by tbradnc
Wed Sep 07, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Emergency radio with hand crank
Replies: 30
Views: 2390

Re: Emergency radio with hand crank

I would rather keep a fresh pack of batteries handy than have a crank radio. Or, you can make a radio out of a potato, piece of wire, some plastic, headphones and a diode.. Keep a bag of potatoes handy though because the potato is the battery and when the potato dries out you'll need a new one. :)
by tbradnc
Mon Sep 05, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: Local CD Rates
Replies: 2
Views: 674

Re: Local CD Rates

I have their rewards checking account and am earning 2.25% on $20k.
by tbradnc
Mon Sep 05, 2016 7:09 am
Forum: Personal Finance (Not Investing)
Topic: HELP PLEASE: 401k/Obamacare advice needed
Replies: 13
Views: 1422

Re: HELP PLEASE: 401k/Obamacare advice needed

Just a footnote.. I believe the ACA calculations are based on MAGI, not AGI.
by tbradnc
Sat Sep 03, 2016 9:10 pm
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 6641

Re: Frustrated Losing Weight!

I lost 50 lbs 16 years ago and have kept it off. One thing I'll add that hasn't been mentioned is that for me losing the weight slowly was easier than going on a crash diet. As I recall it took me the better part of 2001 to lose the 50 lbs but by the time the weight was gone I had developed new eati...
by tbradnc
Fri Sep 02, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Hurricane Hermine
Replies: 48
Views: 3532

Re: Hurricane Hermine

I lived in Wilmington, NC for 25 years and have been through plenty of hurricanes and tropical storms and depressions. I love living in the high elevation Appalachians - no tornadoes (up here), no hurricanes - just snow mostly.
by tbradnc
Fri Sep 02, 2016 5:40 am
Forum: Personal Consumer Issues
Topic: Password security question for security experts
Replies: 42
Views: 3472

Re: Password security question for security experts

OP, Can't you just click on the link for "Forgot my password?" Typically they will send a password reset email to your registered email. Open the email and click on the reset link. It should then ask you to enter a new password. Then you can enter your new and better password. I would try...
by tbradnc
Fri Sep 02, 2016 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones and my in-laws
Replies: 44
Views: 4943

Re: Edward Jones and my in-laws

The advice to drop it is best I think. If you wanted to try one more thing perhaps hearing it from someone else might help - how about an appointment with a fee only advisor? FWIW, I have an uncle who used to be a loan officer at a bank and he also uses EJ. I've tried to talk with him about costs an...
by tbradnc
Sat Aug 27, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Password security question for security experts
Replies: 42
Views: 3472

Re: Password security question for security experts

I'll call Monday and update it to the new format. I use a program called Keeper Security to generate and manage my passwords - works great across all devices. A sample password generated by the app is: 8l5ej@ka9cP@iV$B

Thanks!
by tbradnc
Sat Aug 27, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7735

Re: What is your system for dealing with coins?

TMCD75 wrote:
I'm a blue collar guy, saving coins is important to our family.


I grew up in a working class family and daddy's coin bucket was our ticket to treats when I was little!
by tbradnc
Sat Aug 27, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Password security question for security experts
Replies: 42
Views: 3472

Password security question for security experts

Here's a random question I've been pondering..... I've had an account with an online service for more than 10 years. When I created the account they had much looser password requirements than they have had in place the last few years (not sure exactly when it changed). Bottom line, my current passwo...
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: 854

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: 12920

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: 6931

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: 555
Views: 290146

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: 8190

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: 3403

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: 1240

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: 1240

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: 8190

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: 8144

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: 8144

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: 6264

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: 44
Views: 3829

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: 44
Views: 3829

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: 555
Views: 290146

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: 16952

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: 3
Views: 1244

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: 71
Views: 7626

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: 1721

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: 1721

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: 1721

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: 1721

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: 1721

"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: 6264

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: 887

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: 6264

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: 5243

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: 98
Views: 12584

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: 98
Views: 12584

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: 2207

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: 279

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: 279

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: 4546

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: 4546

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.....

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