Search found 1324 matches

by tbradnc
Tue Jul 26, 2016 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for the "new normal": how?
Replies: 40
Views: 2861

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: 75
Views: 8212

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: 75
Views: 8212

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: 2084

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: 245

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: 245

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: 4135

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: 4135

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: 176
Views: 22883

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: 176
Views: 22883

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: 4135

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: 3671

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: 1149

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: 619

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: 619

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: 619

[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: 4570

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: 4570

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: 1514

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: 2423

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: 1514

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: 1457

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: 1457

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...
by tbradnc
Sun Jul 17, 2016 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Real career path for a 23 yr old with no college degree
Replies: 50
Views: 5064

Re: Real career path for a 23 yr old with no college degree

My 21 year old son worked as a new car salesperson at the Honda dealership up the road and was really good at it. He worked a LOT of hours but they have so many ways to make money it's crazy. After that, he started buying used cars, cleaning them up, and selling them - made even more money. Then thi...
by tbradnc
Sun Jul 17, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate tip amount for river rafting guides?
Replies: 50
Views: 2989

Re: Appropriate tip amount for river rafting guides?

miamivice wrote:
Rodc wrote:
Your comment is true in the food industry too so I don't really get the argument. Seems inconsistent.


It's as inconsistent as not tipping bank tellers. :sharebeer


If you walked up to the counter and dumped out your pockets and expected the teller to prepare your deposit slip then maybe......
by tbradnc
Sun Jul 17, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Car totaled, no collision insurance
Replies: 61
Views: 4926

Re: Car totaled, no collision insurance

Is it just me or does it seem very unlikely that somebody would drop collision and keep comprehensive coverage? I don't think we're even allowed to have one without the other. Can be done - I did it with Farm Bureau of Tennesssee. 4 years ago I had a Jeep Wrangler. I rarely drove it and decided to ...
by tbradnc
Sun Jul 17, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: How do you rollover mutual funds to Bank CDs?
Replies: 9
Views: 753

Re: How do you rollover mutual funds to Bank CDs?

I have my Ally account linked with Vanguard. When I view my IRA I have the option to sell shares and have the money delivered via ACH to Ally. If I wanted to buy a CD I would simply sell enough shares in my IRA to fund the CD, transfer the money to Ally, and then open an IRA with the CD bank within ...
by tbradnc
Sun Jul 17, 2016 6:48 am
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1457

Re: State income tax question

Am I missing anything obvious here or is this as no-brainer as it looks? There are at least two things to consider. You don't say where he's actually working. If he's working in say California he owes CA tax on the income he earns there. Then he gets to apply whatever relief NC and CA provide again...
by tbradnc
Sat Jul 16, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate tip amount for river rafting guides?
Replies: 50
Views: 2989

Re: Appropriate tip amount for river rafting guides?

I live in an Appalachian Trail town with a river popular with whitewater rafters and paddlers. There are 3 rafting companies here that run full-bore all summer long. The owner of the biggest rafting company is a friend of mine so I asked him what a customary tip is for guides. He said: $5 per perso...
by tbradnc
Sat Jul 16, 2016 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate tip amount for river rafting guides?
Replies: 50
Views: 2989

Re: Appropriate tip amount for river rafting guides?

I live in an Appalachian Trail town with a river popular with whitewater rafters and paddlers. There are 3 rafting companies here that run full-bore all summer long. The owner of the biggest rafting company is a friend of mine so I asked him what a customary tip is for guides. He said: $5 per person...
by tbradnc
Sat Jul 16, 2016 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1457

State income tax question

My oldest son is working for a company based out of Washington state. The company sends him to jobsites and he works until that project is done, then they send him to the next project and so on. Here's the thing: WA doesn't have an income tax so no state tax is withheld from his check. His permanent...
by tbradnc
Fri Jul 15, 2016 7:31 pm
Forum: Investing - Theory, News & General
Topic: Do You Practice Ethical Investing?
Replies: 47
Views: 1977

Re: Do You Practice Ethical Investing?

I posted about it a year or so ago. As I recall the trickiest part was what to do for bonds.
by tbradnc
Fri Jul 15, 2016 1:13 pm
Forum: Investing - Theory, News & General
Topic: Another look at corporate bonds
Replies: 182
Views: 10322

Re: Another look at corporate bonds

SpringMan wrote: When experts disagree it may not matter much.


This is why my only bond fund is Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX).

Everybody gets a trophy.
by tbradnc
Thu Jul 14, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase
Replies: 9
Views: 593

Re: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase

I had my cards linked to Chase and just ACH pulled about $12k this month. No limits hit that way. I did run into a daily $10k limit at Chase for funding my LMCU, though. Daily is not too restrictive at least. Of course every time I ACH out a good amount from Chase when opening one of these cards, I...
by tbradnc
Wed Jul 13, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 514
Views: 282744

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

Nothing out of the ordinary on our 2 accounts.
by tbradnc
Wed Jul 13, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: August vacation to Glacier NP
Replies: 21
Views: 2084

Re: August vacation to Glacier NP

I hiked the Continental Divide Trail through GNP last year and passing through Many Glacier and Two Medicine I noticed ranger-led hikes that had young children as part of the group. As I recall all seemed to be having a good time.
by tbradnc
Wed Jul 13, 2016 10:44 am
Forum: Investing - Help with Personal Investments
Topic: CD question: would you take 3% guaranteed for 7 years?
Replies: 45
Views: 4360

Re: CD question: would you take 3% guaranteed for 7 years?

After some scrounging around I found a CU offering 3.00% on an 84 Month IRA Certificate. https://www.andrewsfcu.org/personal/checking-and-savings/share-certificates.html ACCOUNT DETAILS Add-On No Early Withdrawal Penalty (Days) 180 Interest can be withdrawn before maturity Yes Min to Open $1,000 Pa...
by tbradnc
Wed Jul 06, 2016 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 514
Views: 282744

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

No problems getting interest, taking money out, or meeting the $500 DD requirement with ACH.
by tbradnc
Wed Jul 06, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance - removing comprehensive and collision
Replies: 19
Views: 1549

Re: Car insurance - removing comprehensive and collision

Definitely keep comprehensive - it will protect you if it is stolen. One of the ancillary benefits of collision is if you total the car you don't have to deal with what to do with an undrivable heap of metal - the insurance company handles it.
by tbradnc
Tue Jul 05, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: replacing an iPhone, first time with the "new non-subsidized model"
Replies: 48
Views: 3772

Re: replacing an iPhone, first time with the "new non-subsidized model"

I like the new model with the price of the phone separated from the plan. It makes things much more transparent. 1. Pick your package of minutes / texts / data. 2. Pick out a phone, divide the price of the phone by 24 months (or whatever) and pay for the phone with an interest free loan. The monthly...
by tbradnc
Tue Jul 05, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% CC or Citi double cash card?
Replies: 44
Views: 4887

Re: Fidelity 2% CC or Citi double cash card?

mrc wrote:Like the Fido 2% right into my account better than the 1% now, 1% off the payment. If you redeem the Citi card by applying rewards to your balance, you don't get the full 2%.


1.99% vs. 2.00%.

That's an extra $100 for every $1,000,000 you put on the card. Definitely a drawback... :)
by tbradnc
Mon Jul 04, 2016 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: TDBank promo just started easy $600
Replies: 75
Views: 8212

Re: TDBank promo just started easy $600

You can avoid the $3 ACH fee by pulling money out from a linked external account.
by tbradnc
Sat Jul 02, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Reducing Electric Bill- Point of Diminishing Returns?
Replies: 34
Views: 3512

Re: Reducing Electric Bill- Point of Diminishing Returns?

Are we now going to start seeing "My electric bill is $4.05 - how am I doing?? posts? :)
by tbradnc
Sat Jul 02, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Save Thousands on Dental Expenses!
Replies: 21
Views: 2666

Re: Save Thousands on Dental Expenses!

One of the best habits I've ever developed is flossing before bed. I also use a Sonicare.

I look forward to my regular cleanings - I'm in and out in quickly.
by tbradnc
Tue Jun 28, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 10692

Re: Please help! Buyer's remorse, need advice

I think its a requirement to own a truck if you live in TX, right? ;) Can you justify it with household hauling needs? Tough call - the deed is done, so selling now could cost you thousands. That is okay if you end up in a cheaper vehicle, but you're paying a "lesson tax". See how much yo...
by tbradnc
Tue Jun 28, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a friend's student loans?
Replies: 21
Views: 2328

Re: Buying a friend's student loans?

Might as well go big.. Loan him a book too. :)
by tbradnc
Sun Jun 26, 2016 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 27
Views: 2499

Re: Ally Bank Credit Card

If you're focused on no frills cash back just get the Fidelity Visa. 2% cash back, $100 sign up bonus. Signed Up few minutes ago from FIDO (dot) com and did not see any 100$ Signup bonus :shock: Have a link for this bonus? Mr. Frog I believe the bonus offers are targeted via postal mail otherwise n...
by tbradnc
Sun Jun 26, 2016 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations?
Replies: 22
Views: 2033

Re: Credit Card Recommendations?

If you don't mind applying for a business card the Capital One Spark has 2% cash back that includes a $500 bonus after spending $4500 within 90 days.

There is a $59 annual fee but it is waived the first year.
by tbradnc
Sat Jun 25, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11470

Re: What did you learn from the post-Brexit bloodbath?

It's not a bloodbath until the phrase "catch a falling knife" is used 10 times by talking heads.

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