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walletless

Uncle Pennybags wrote: ↑
Tue Sep 12, 2017 10:21 pm
This is ridiculous. I have no losses to harvest. This market is going to put me in a higher tax bracket.

Same here... Have about $700 of carry over harvest, nothing beyond that

walletless

same experience in california. was expecting to pay $10.

walletless

Thanks all. Yes I meant organic = certified organic grown -- especially for Roma tomatoes. I'm located in North California. Based on the responses here I did additional research & found that indeed, purchasing seeds at this time of the year is not such a great idea. Now I'm leaning towards purchasin...

walletless

I have hired a hardener to clean-up the weeds and old soil from our backyard and plant new soil & seeds. We are leaning to purchasing Organic soil and seeds. Are local hardware stores like Home Depot, OSH, or Lowes the best place to purchase seeds (Nurseries near us are much more expensive than hard...

walletless

My wife and I have started a small health-related blog on the side. So far the blog has very little (almost no) traffic. We hope that with some modest traffic, some day if our blog is successful, we may make some small income through ads or affiliate links. We spent roughly $300 to set up the blog (...

walletless

My guess is that with the increasing non-equity portion of your portfolio, the 20% international has become such a small percentage, it did not make sense to maintain yet another fund class in your portfolio. To simplify, you just removed it altogether. Example, if you are at 60/40 portfolio, you wo...

walletless

Personally, I think the cheap " fixwell knives " on Amazon work great. They are very inexpensive, fine, sharp and perfect for thin slicing of veggies. Of course, these are not steak knives. I also own the $45 Victorinox knife & they are excellent: far better quality than fixwell, but also a lot more...

walletless

FYI, Purepoint has increased their savings rate to 1.30% effective today (Aug 9, 2017)

walletless

Hello, I am looking for a good "drag and drop" style wordpress theme for my new blog (hosted at InMotionHosting). The blog is a health/diet/fitness theme blog. Typical posts will be things like: 1) Recipes with HD photo or YouTube Videos as top media 2) Suggestion for exercise routines 3) Review of ...

walletless

The card I use for groceries beats BCP by about 2.49%, and has no annual fee. Thanks for the teaser. 3.5%-1.01%=2.49% When you consider the annual fee, BCP is worse than a debit card. What card gives you 3.5%? They are probably referring to the Bank Of America Cash Rewards card (with the 75% platin...

walletless

*3!4!/5! wrote:
Carl53 wrote:
*3!4!/5! wrote:The card I use for groceries beats BCP by about 2.49%, and has no annual fee.
Thanks for the teaser.
3.5%-1.01%=2.49%
When you consider the annual fee, BCP is worse than a debit card.

What card gives you 3.5%?

walletless

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. Below is definition of supermarket I got from dictionary.com for you: a large retail market that sells food and other household goods and that is usually ope...

walletless

I'd have thought supermarket is Target, Walmart, etc. I'm surprised that Stop&Shop qualifies for 3% back in their definition of supermarkets. That is the class of store they specifically exclude. I would interpret eligible stores as being those whose primary business is groceries. I am admittedly v...

walletless

it-luggage & Sharper image bags sold at Ross are very light weight. My it-luggage 29" bag weighs 8 lbs, whereas the Sharper Image 30" one weight somewhere between 9 & 10 lbs.

walletless

I want to clarify: the amex cards have 3% & 6% cash back at supermarkets, not grocery stores. I shop grocery at stores like Sprouts, Safeway & local grocery stores. I almost never do grocery shopping at supermarkets... So that card so not work for me, correct? I get 6% on groceries just about every...

walletless

I want to clarify: the amex cards have 3% & 6% cash back at supermarkets, not grocery stores. I shop grocery at stores like Sprouts, Safeway & local grocery stores. I almost never do grocery shopping at supermarkets... So that card so not work for me, correct?

walletless

misterno wrote: Just came from Costco and I did not see Kirkland brand luggage out there

Must be out of stock. They look like these, and were $99.99 when I visited them few weeks ago: http://costcocouple.com/kirkland-signat ... e-spinner/

walletless

misterno wrote:I will visit Marshalls and Ross just to see what they have

Yes, I recommend visiting Ross at least. Not sure what Marshalls has, but in my experience Marshalls generally tends to be a bit more expensive than Ross.

walletless

Did you google this? I just did: http://www.magnifymoney.com/blog/earning-cashback/best-cash-back-cards-grocery-shopping The Consumers Credit Union visa gets you 3% on groceries and $100 bonus for $1k in spending in the first month. Thanks! I did lookup nerdwallet but could not find it useful. The ...

walletless

The BoA card that you already have gets you 3% on gas for the first $2,500 spent per quarter on gas/groceries. Though it only gets 2% on wholesale purchases, not the 3% that you mention, unless you have a different card I've never seen. The only other one I know of that offers more is the Sam's Clu...

walletless

I used the Sallie-mae Mastercard for Groceries that fetched me 5% rewards. Unfortunately, Barclays converted it to the "Commence" card earlier this year, earning a paltry 1% on all purchases now (2% on utility and groceries). I am now looking for a VISA card that can fetch me a good cashback on Groc...

walletless

if you are on a budget, visit a nearby Ross store, they have several 30 inch spinners for $50-60 range. it-luggage and sharper image brand luggage have lasted well for me and are light weight (7-8 lbs). i got one each and they have survived 2 round trips to india and still intact. p.s. Yes Samsonite...

walletless

Remember, Ally has a 11-month no-penalty CD at 1.50%. You can withdraw without penalty any time after 6 days, making it effectively a good place to park money rather than VMMXX.

walletless

I have this & like it:
Astro 3018 Digital Tire Inflator with Stainless Steel Braided Hose
https://www.amazon.com/dp/B002PUTC0M/

walletless

I've moved most of my money from Ally to GSBank (1.20%) & PurePoint (1.25%). Couldn't be happier. I use GSBank to hold money untill it is large enough (few thousand dollars) to invest into my portfolio. A few hundred dollars from each pay check is automatically deposited here; and I sweep from m...

walletless

Sweet! Let the rate wars begin. I'm on PurePoint since few months, enjoying 1.25% on my emergency cash.

walletless

I have a Chase checking account for only one reason: they offer safe deposit box, None of the CUs in my area offer it. With direct deposit requirements I am forced to use it as my primary account now. They do offer great service in branch such as 24 hour access to ATM machine which can give money in...

walletless

You'd be fine either way - both are great 529 plans with very good age-based options out of the box. Do you have relatives in either states who may contribute to the plan? That may be one thing to consider in deciding since both states give some tax-free contribution limits to state residents. Other...

walletless

So its a teaser rate? Interesting I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates. Agreed....

walletless

dupe - delete

walletless

luderiffic wrote:So its a teaser rate? Interesting

I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates.

walletless

Use iShares to TLH for few categories like SCV and EM. Mostly use Vanguard otherwise. Its great that there are low cost competitors cropping up to challenge Vanguard. More options = win for us consumers.

walletless

If you have a reserve you do not need CSP. The benefits are same or better, generallly speaking. Decide whether the CSP at $95 is sufficient for you, or you need the added benefits CSR gives for $450. Keep one of the two and downgrade the other to a free category card. Freedom is a great card IMO. N...

walletless

I agree, but at this point I'd go with the 1.45 Purepoint cd ladder over Ally. The diff is 15bps which is not insignificant, and I doubt ally will go higher by that many points in 1 year.

edit - Purepoint lowered interest rate on 1-yr cd to 1.40% as of yesterday 3/31.

walletless

inbox788 wrote:joint account?

Yes, joint.

walletless

I have seen some posts where the After-tax contributions have gone to Roth IRA and earnings have gone to Traditional IRA - in which case there is no tax to be paid. Since I do a backdoor Roth conversion every year, keeping a balance in traditional IRA would trigger pro-rated taxes. Hence in my case...

walletless

FYI, my joint account got kicked out. When I called to ask why, the said that they wanted to talk to both applicants on the same call. I still have to schedule a meeting to do that. They have limited hours (not 24/7). What could cause the account to be kicked out? We are talking about CO 360, right...

walletless

Perfect, thanks Earl. My plan has generally good "core" funds, but lacks REIT and SCV as well. I will do an in-plan conversion for now. My company also was acquired by a much larger company, so we expect the 401K plans to merge with them in future. Their plan has even better and lower-cost...

walletless

Thanks all. I will take a look at the Crutchfield installpass. It seems that you cannot find the installers near you until you make the purchase.. so only after I purchase a car will I be able to ask the installer the additional charges and recommendations for which unit to purchase. But this seems ...

walletless

My employer allows us to make a quarterly non-hardship conversion of our after-tax contributions in 401K to a Roth IRA. The 401K custodian is Fidelity. I called Fidelity today to make a conversion, and the representative asked me whether I want to do a "in-plan" or "out-of-plan" ...

walletless

Gamma Ray wrote:How about Memory Bank with 1.5% up to $250k?

http://www.mymemorybank.com/home/earnmore-account
Forget it, it says 1st year..

Looks like interest checking account with requirement for debit card transaction.. Purepoint savings account does not have such requirements.

walletless

A few years ago, I had changed the factory radio on my car to a Pioneer 2-din system. At the time, I did not feel the need for a touchscreen system with backup camera input. Now, my wife drives this car more often, and wants a backup camera installed on the car. I do not have any expertise at all in...

walletless

Hardly what if call a "free fall"!

walletless

Just in case this helps anyone (e.g. the OP next year) TaxAct allowed me to upload the pdf of the brokerage statement as a substitute 8949 and submitted it to the IRS with the e-file. Or at least that's what the program told me it was going to do. Perhaps next year TT will add this functionality. O...

walletless

Perhaps TT is just being cautious I think so to0.. perhaps it is a bug in the software unless it is a new IRS requirement. I have been aggregating my RSU and ESPP the same way since few years now and have never had to do this. Now that the software has printed and asked me to paper mail that form a...

walletless

Thanks kaneohe! Turbotax online support pointed me to the following page: https://ttlc.intuit.com/questions/3564967 E-filed returns – Within three days after the IRS has accepted your return, mail the Form 8949 generated by TurboTax, a copy of the summary statements provided by your broker , and the...

walletless

Are all of your transactions shown in detail on the 8949s or did you aggregate a bunch of them together? I did aggregate my employer RSU and ESPP sales, since there were about 50-60 line items for it. These were "Box A" and "Box E" items. The employer plan is through E*Trade, an...

walletless

I just completed filing my taxes through Turbotaxes, and used e-file for my federal returns. After successfully e-filing, turbotax asked me to mail the following document to IRS via regular mail: Form 8453 | This is the form you will use to send any required forms or | supporting documentation to th...

walletless

update: I ordered from 4checks , which sent the order via IdentityChecks . The boxes came nicely packaged, the checks were decent quality, and the print was good. I tested one of the checks by depositing into another of my accounts & that worked well. I did not opt for their security service, i...

walletless

Opened an account, thanks op for discussing it here. The account and online interface is very functional - easy to add linked accounts (they seem to support adding unlimited), you can convert it to trust ownership after opening too. PersonalCapital and Mint do not seem to support it though, yet. Hav...

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