Search found 25 matches

by schwank
Sun Oct 28, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 42
Views: 2283

Re: Does your Capital One 360 reimburse international ATM?

My usage of it overseas a couple of months ago resulted in reimbursed ATM fees as well as no international usage fee (unlike the Fidelity Cash Management card). That's has not been my experience... I was in London last week and pulled 200Ā£ at Heathrow via Fidelity Cash Management. I've already been...
by schwank
Wed Aug 08, 2018 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: How to Respond to a "Proposed Amount Due" Notice From IRS
Replies: 15
Views: 1987

Re: How to Respond to a "Proposed Amount Due" Notice From IRS

I got one due to stock based comp and how it was taxed. It was included as w2 income with a specific callout about rsu totals, and the docs from the plan adminstrator were marked as no tax withheld. I provided a written response and documentation. After about a month I got a letter saying it was und...
by schwank
Tue Jun 05, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Do you change your AA in discrete chunks or gradually?
Replies: 20
Views: 1546

Re: Do you change your AA in discrete chunks or gradually?

If I was going to do it by selling shares, I'd just do it all at once to minimize the hassle and any applicable transaction costs. However I don't rebalance that way, I do it by changing the allocation of new inbound money. Just overweight the new funds to tilt your overall allocation back to the de...
by schwank
Fri May 25, 2018 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Switching jobs, what to do with 401k
Replies: 13
Views: 1487

Re: Switching jobs, what to do with 401k

Definitely hold it in the existing plan while you evaluate options. When I was younger and dumber, I rolled my first 401(k) into a Rollover IRA. Now my income is too high for a Roth, and my current employer won't accept Rollover IRA (or my Simple IRA from another employer) even though it is pre-tax ...
by schwank
Wed May 23, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account or Brokerage account for child?
Replies: 20
Views: 1338

Re: Bank account or Brokerage account for child?

I have a Fidelity custodial brokerage account for my daughter. Not using it for college but as a place to invest the gifts she receives. Have it 100% in ITOT, and she's already seen good appreciation in the last 2 years. She is not old enough to have any clue, but she does say she's going to use her...
by schwank
Wed May 23, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6812

Re: How have you upgraded your wardrobe?

You guys just cost me a couple hundred bucks on clothes based on some links in this thread. I may be a computer nerd but still need some sport coats to wear with jeans on occasion. That dappered site is dangerous! Sorry man. I think that was me who gave that website. I'm at the point where my wardr...
by schwank
Wed May 23, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6812

Re: How have you upgraded your wardrobe?

You guys just cost me a couple hundred bucks on clothes based on some links in this thread. I may be a computer nerd but still need some sport coats to wear with jeans on occasion. That dappered site is dangerous!
by schwank
Tue Mar 06, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: AAPL, AMZN, or GOOG?
Replies: 95
Views: 10504

Re: AAPL, AMZN, or GOOG?

I work for one of the 3, so that's who I am pulling for. But I take my RSUs and invest in VTI/ITOT. :beer
by schwank
Thu Feb 08, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 3219

Re: Are Banks Worthless?

1) Watch the people bragging about only having an online account come complaining when they need a medallion signature guarantee. The medallion signature guarantee has always seemed to me to be a bit of a racket, but it is what it is, and when you need one, you need one. The one time I needed the m...
by schwank
Sat Jan 20, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Did you change your IPS when you discovered you were going to have kids?
Replies: 8
Views: 1111

Re: Did you change your IPS when you discovered you were going to have kids?

Our daughter was born in 2015 when we were roughly the same age and financial status. I bumped our planned retirement age from 55 to 60 to allow for additional accumulation in the face of anticipated education and other costs. We also do a bit less DINK type activities these days saving some cash fl...
by schwank
Sat Dec 16, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: anyone been able to connect Wells Fargo Mortgage to Mint.com?
Replies: 8
Views: 6639

Re: anyone been able to connect Wells Fargo Mortgage to Mint.com?

Mine seems to work ok. I'm about 4 years into a 15, and Mint seems to pick up my monthly payments ok. No MFA though.
by schwank
Fri Nov 10, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 6167

Re: Coffee makers: Moka, French Press, etc.

A good Bodum glass French press has served me well for many years. I do love espresso drinks and work from home at least half time, so I did a non-Boglehead thing and bought a proper double boiler Breville. Worth every penny as I live in a land of great coffee and I can get so any great bean options...
by schwank
Fri Sep 29, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question: Why do people put/keep millions of dollars in investment accounts?
Replies: 66
Views: 10130

Re: Question: Why do people put/keep millions of dollars in investment accounts?

I know a guy who spent most of his savings on booze and women, and then wasted the rest of it. That's not much of an alternative. Don't forget fast cars ;) My women are my wife and daughter, but the cars are more numerous. Neither the cars nor the alcohol are boglehead, but if you are adequately fu...
by schwank
Mon Aug 28, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investing toddler's cash
Replies: 13
Views: 1683

Re: Investing toddler's cash

I set up a Fidelity UTMA account for my infant daughter, and I use that account to deposit all cash gifts that she receives from family. I have that account 100% invested in ITOT. I record each gift in a ledger so she can see it as she gets older, and learn about the time value of money. I hope thos...
by schwank
Sun Aug 06, 2017 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 82759

Re: A poll: How much money do you want to retire?

Great thread that somewhat reinforces our personal plan. 40 now, targeting $2.5MM in today's dollars by age 56 when our child is 18. That assumes a paid off primary residence and a separate college fund. I'm currently fully funding an HSA as well to offset future medical costs. I'm not including SS ...
by schwank
Sun Apr 02, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: running tax software on Linux using Windows virtual machine
Replies: 27
Views: 3517

Re: running tax software on Linux using Windows virtual machine

I'm a little late to this party, but I run TurboTax in a Windows 10 VM on my Linux Mint machine using VirtualBox. I've been working this way for a few years now with no issues. Nothing special is required, just install everything as normal. For durability I save the actual files to a NAS device rath...
by schwank
Wed Mar 08, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Where to buy rare steaks?
Replies: 67
Views: 6426

Re: Where to buy rare steaks?

Flannery in SF. Best steaks I've ever had. Watch for periodic sales and stock up.

Flannerybeef.com
by schwank
Thu Feb 02, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 46
Views: 14933

Re: Review after one month with Fidelity Cash Management

I have used Fidelity CMA for over a year and love it. Direct deposits are immediately available. I use the mobile app to deposit checks ($14k check recently deposited with no issue) and it doesn't seem the money is delayed anymore than traditional bank account. I love the ease of moving money betwee...
by schwank
Fri Jan 06, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 9975

Re: Are Younger people funding 529 Plans?

Late 30s with a toddler here. No 529 as the tax offset isn't enough to deal with the lock-in of funds. My state recently gave everyone 2 years of CC at no cost, and who knows what the education system will look like in 15+ years. I am setting aside college funds monthly, but in a post-tax brokerage ...
by schwank
Mon Dec 19, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Omaha Steaks....Who else for mail-order steaks?
Replies: 26
Views: 5133

Re: Omaha Steaks....Who else for mail-order steaks?

Flannery Beef ( https://www.flannerybeef.com/ ) in San Fran is stellar. The aged Ribeye is great, and the filet tails are a great deal. The burger blends are also very good and you can make you own mix as well. Not cheap, but worth the money without question. My wife and I generally split a 16oz age...
by schwank
Sun Nov 20, 2016 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone trade with their Fidelity Cash Management Account?
Replies: 19
Views: 3636

Re: Anyone trade with their Fidelity Cash Management Account?

I have been a Fidelity customer for some time and a bit over a year ago my wife and I replaced our 'regular' US Bank checking account with the Fidelity CMA. The fees are lower in general, and the ATM fee refunds are awesome. We use direct deposit for our paychecks and also autopay some bills from th...
by schwank
Mon Aug 01, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: RSU's vesting, looking for advice. New to Boglehead mindset!
Replies: 12
Views: 1476

Re: RSU's vesting, looking for advice. New to Boglehead mindset!

Agreed, you pay tax at vesting so the money is yours. Would you buy your company stock with free cash? If not, sell and use the money as you see fit. The general recommendation here is to invest according to your normal AA.
by schwank
Tue Feb 23, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement acct consolidation and future planning
Replies: 1
Views: 386

Retirement acct consolidation and future planning

After some life changes in 2015 (first child, snazzy new job) we are looking to simplify our retirement account profile for easier management and to enable more investment options moving forward. Background: I am 38 and she is 37, filing jointly. I work full time and she is currently on maternity le...
by schwank
Sun Jul 19, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: New Job - Simple IRA rollover and matching question
Replies: 7
Views: 1200

Re: New Job - Simple IRA rollover and matching question

Thanks for confirming my analysis. Sounds like I should be planning to keep the Simple going until I get the match before rolling it over.
by schwank
Sat Jul 18, 2015 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: New Job - Simple IRA rollover and matching question
Replies: 7
Views: 1200

New Job - Simple IRA rollover and matching question

Long time lurker, first time poster. :beer I use a variation of the three ETF portfolio with the addition of some real estate exposure via a 7% holding of VNQ. It has done fairly well for me and I appreciate the low stress of not having to manage individual holdings, especially during these times of...