Search found 201 matches

by nalor511
Tue Jun 19, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY
Replies: 14
Views: 2118

Re: Northern Bank Direct MM - 2.26% APY

indexfundfan wrote:
Tue Jun 19, 2018 9:57 pm
Interestingly, NBD is stopping the promotional rate of 2.26% for new accounts starting from 9am on Wed 6/20. Just saw this on their homepage.
Yikes. Funky process, ACH fees, closing fees, doesn't seem like a great bank.
by nalor511
Tue May 29, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Any Mini Cooper owners care to comment on the reliability of the 2014 and up model year?
Replies: 4
Views: 624

Re: Any Mini Cooper owner car to comment on the reliability of the 2014 and up model year?

I haven't owned one, but I've driven rented ones lots, most of the models and most of the years (and often the same car over and over). They're heavy and solid on the road, and they seem to be built to BMW's tight tolerances, I expect that smallish things will go wrong fairly frequently (as they do ...
by nalor511
Sun Apr 29, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: CIT 1.55% Premier High Yield vs 1.75 % Money market
Replies: 17
Views: 2517

Re: CIT 1.55% Premier High Yield vs 1.75 % Money market

Changing the product name let's them save money by keeping rates lower for customers that don't pay attention. Sounds like typical bank policy to me. I don't know why you guys are expecting any different. Open the new account and transfer funds. If they don't raise your rate to what you want and you...
by nalor511
Mon Apr 02, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 3046

Re: New laptop purchase decision

I like refurbished Dell Latitude 7000 models from the outlet with come with the 3yr warranty standard, then if you use a Citi card (e.g. Citi Double Cash MC) you'll get another 2 years on top of that (5yr warranty for free). Under $700, or about $750 if you want a couple upgrades built in. http://ou...
by nalor511
Sun Apr 01, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3520

Re: Online Savings Account Reservations???

CIT has 1.75% on the money market and 1.85% on the no penalty CD, so if you're in the 1.5% Savings you might want to move it over to the new account types
by nalor511
Sat Mar 31, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1470

Re: 18 mo. CD 2.53%

BusterMcTaco wrote:
Sat Mar 31, 2018 3:54 pm
Looks like 360 day penalty to me, FWIW.

Also, it's callable.
You're totally right, my reading comprehension has failed me.
by nalor511
Sat Mar 31, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1470

Re: 18 mo. CD 2.53%

12mo early withdrawal penalty on the 18mo CD. And as Buster pointed out below, it's callable by the CU Fee schedule https://cdn2.hubspot.net/hubfs/616968/17-0186-OPS%20Fee%20Schedule%20Updates%20-%20July.pdf?t=1522442334485 Rates https://www.usalliance.org/about-us/rates/savings-rates#certificate-ac...
by nalor511
Fri Mar 30, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: CIT Bank money market acct + no penalty CD
Replies: 2
Views: 524

Re: CIT Bank money market acct + no penalty CD

I just checked Ally and see a 2% 12-month CD..60 days EWP. The EWP is minor, so that's what I'd personally go with over the 11-month 1.85 at CIT.. If you take the 2% CD out early, your best case interest rate is 1.67% (probably less), so if you have a reasonable likelihood of wanting the money earl...
by nalor511
Tue Mar 27, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 261
Views: 36442

Re: New HSA provider Lively offers investments for $30/yr fee

Stupid question to those of you with accounts, is the $30/y charged by Lively or TDA? Thanks in advance
by nalor511
Fri Mar 23, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5732

Re: Amazon Prime Going Sideways/Weird Shipment Problems

My last 3 shipments have missed by 1 business day, 3 business days, and the last one the tracking actually never updated (ever) and they had to re-ship. Don't get me started on 'no-rush' - it used to be that if you chose no-rush, your item would still arrive within about a week. It's been taking at ...
by nalor511
Tue Mar 20, 2018 4:41 am
Forum: Investing - Help with Personal Investments
Topic: $250k Vanguard/Schwab/Fideliy
Replies: 7
Views: 1203

Re: $250k Vanguard/Schwab/Fideliy

radiowave wrote:
Mon Mar 19, 2018 10:59 pm
If you also want good cash management Fidelity would be a good choice as well as Schwab. If you just want to buy and hold is taxable brokerage account, any of the 3 are fine.
What aspect of managing cash is helpful at Fidelity? Just wondering
by nalor511
Mon Mar 19, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: The Single Greatest Predictor of Future Stock Market Returns
Replies: 40
Views: 10224

Re: The Single Greatest Predictor of Future Stock Market Returns

Is there a link/ticker to easily track this metric? (Average stock allocation)
by nalor511
Fri Mar 16, 2018 7:56 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Highly recommend using the Co-op shared branching, was able to get a funds transfer done instantly (handled as a debit from CU1, and a credit to CU2)
by nalor511
Thu Mar 15, 2018 1:47 am
Forum: Personal Finance (Not Investing)
Topic: ACA Repayment Question: H&R Block
Replies: 3
Views: 413

Re: ACA Repayment Question: H&R Block

Are you using their online version? My understanding is that you need their desktop version in order to do the shared policy allocation. That would explain why I can't find it ...... :( Thanks, I'll check the desktop version. Desktop has you fill out the form directly. So basically you do one form ...
by nalor511
Wed Mar 14, 2018 11:42 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Happy new Sharonview FCU customer here :D . Last week I opened an account online, I was able to login to online banking within a day or so. I added them as an external account to my existing CapitalOne 360 account, in order to verify the account CapitalOne posted two trial deposits which showed up ...
by nalor511
Tue Mar 13, 2018 8:25 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

I know, it's hard to be patient...their website had tech difficulties all afternoon, and I was trying to access my account. Frustrating. But they're all so professional, helpful, and kind, so in the end, I think it'll be worth the effort and the wait. I'd be happy enough if they sent me an email sa...
by nalor511
Tue Mar 13, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Mine still in limbo. I've got to break another CD and pay an ewp to fund this, not loving their speed, communication, and support hours so far. I know they're busy.
by nalor511
Mon Mar 12, 2018 4:21 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Out of our two apps, one is approved and one is still pending from Fri. Neither has a CD open yet. Took about 5 minutes for someone to pick up the phone. I still have hope this will get done in the next few days.
by nalor511
Sun Mar 11, 2018 2:44 am
Forum: Personal Finance (Not Investing)
Topic: How does health insurance/Medicaid work for self-employed?
Replies: 5
Views: 658

Re: How does health insurance/Medicaid work for self-employed?

Yes, I think so, but you have to earn less than $13,500/year to qualify. Also, they ask about savings. I went from earning money to a long period of unemployment. It was at the end of this period that I needed Medi-Cal. That said, I would never want to tap Medi-Cal for anything other than emergency...
by nalor511
Fri Mar 09, 2018 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Freezing credit reports and opening CDs
Replies: 22
Views: 1931

Re: Freezing credit reports and opening CDs

mbres60 wrote:
Fri Mar 09, 2018 5:34 pm
I may be naive but why would opening a CD require a credit check?
Usually if you are joining a new bank or CU they do a credit check, sometimes soft, sometimes hard
by nalor511
Fri Mar 09, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Hopefully they'll honor the rate next week for those of us who opened up a savings account with intent to open a CD once the funds clear. That is exactly what they are saying. If you have gotten an account setup, you'll be able to get the CD. I was able to transfer 50k to the 4% CD from my local CU...
by nalor511
Fri Mar 09, 2018 4:14 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

I just spoke with a Sharonview rep who told me the same thing....today is the last day, It may already be too late to get started, but if you are interested, jump on it. That sucks. They're not answering the 800 number right now. I got in an application yesterday, but there's no way to put the CD o...
by nalor511
Fri Mar 09, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

jkelly wrote:
Fri Mar 09, 2018 3:44 pm
Better hurry, I was told the special is ending today at 5:00.

Jeff
Details?
by nalor511
Thu Mar 08, 2018 4:00 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

I'm in the process of setting up my CD. I went through the process of becoming a member and opening a $5 savings account online. Keep in mind that this requires a hard pull on your credit report (TransUnion for me). The CD process can only be done on the phone. I'm not sure if you could become a me...
by nalor511
Wed Mar 07, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Perhaps of interest - thought it worth a mention. On depositaccounts discussion that the CU may accept membership in the American Consumer Council - I joined to purchase a CD at another CU week or so ago and it was $8. Couple others weren't sure if you had to separately join the Carolina Consumer C...
by nalor511
Wed Mar 07, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

amindu wrote:
Tue Mar 06, 2018 3:48 pm
Opened and funded with no issues. Easy process and i am not in any of those states where the CU is located.
That's great. Anyone else? Any word on how long it will be available?
by nalor511
Sat Mar 03, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

This is tempting, but I have all my money in a lot of silly places now. Ally, Capital One 360, Andrews FCU, Treasury Direct, and others. Last year I jumped on the Andrews FCU 3% 7-year CD because the rate was astronomical at the time. Now it has 6 years left, and here's a 5.3 year CD that makes 4%....
by nalor511
Sat Mar 03, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

Are you going to do one Kevin?
by nalor511
Fri Mar 02, 2018 5:56 pm
Forum: Investing - Theory, News & General
Topic: Sharonview FCU 64 month CD - 4%
Replies: 90
Views: 12631

Re: Sharonview FCU 64 month CD - 4%

4% rate with $20 join fee (to become eligible) seems like a good deal. 365 day penalty seems high though, making this a bit risky if their customer service isn't great. They do show up on NCUA search http://mapping.ncua.gov/SingleResult.as ... IsCorpCU=0
by nalor511
Thu Mar 01, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4603

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

32gb is more than enough for me. Got mine last Thxgvg during my first ever black friday sale with friends. Used their Costco card to get the phone for $159. Not only that, store was virtually empty. Difference between this phone and my 1st Gen Moto is night and day. Can't believe I waited so long. ...
by nalor511
Thu Mar 01, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4603

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Back on topic, get the 64gb version for the extra RAM, it's well worth it, and it's been on sale as low as $199. You can set a keyword alert at Slickdeals or other deals site, for notification when there's a good deal. Costco doesn't carry the larger RAM version
by nalor511
Thu Mar 01, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Tax question: Foreign Tax Credit
Replies: 33
Views: 3153

Re: Tax question: Foreign Tax Credit

You must file form 1116 if you want to establish a carryover for the year, even if the foreign tax credit is zero. If you don't file, then you don't get a carryover. ... The IRS stores tax returns for 7 years, and they store the form 1116 carryover amounts in your Individual Master File. They can c...
by nalor511
Tue Feb 27, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4603

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

FYI, if you get the 64gb version you get 4gb ram instead of the 32gb version which has only 2gb ram. Well worth getting more ram
by nalor511
Tue Feb 27, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: Foreign Tax Credit
Replies: 33
Views: 3153

Re: Tax question: Foreign Tax Credit

The thing I don't get about form 1116 is, if you paid (for example) $200 in foreign tax, but due to the ratio/calculation you can only take $100 in credit this year, why isn't there a line listing the amount that gets carried forward to next year? Form 8801 for the AMT credit has a line for carryfor...
by nalor511
Mon Feb 26, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: Foreign Tax Credit
Replies: 33
Views: 3153

Re: Tax question: Foreign Tax Credit

So Andy, in your example how much FTC is actually carried forward to 2019, $100 from 2017 and $50 from 2018 for a $150 total?
by nalor511
Sun Feb 25, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should my long term capital gains taxes change if I am in a high income bracket?
Replies: 21
Views: 2781

Re: Should my long term capital gains taxes change if I am in a high income bracket?

What you're doing (plugging the real numbers into tax software) is going to give you the best answer. There's the additional 3.8% ACA surcharge on high income (over 200k), and CA doesn't treat cap gains any nicer than other income. https://www.kitces.com/blog/understanding-the-mechanics-of-the-0-lon...
by nalor511
Sun Feb 25, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: Foreign Tax Credit
Replies: 33
Views: 3153

Re: Tax question: Foreign Tax Credit

I haven't had much luck with hr block and 1116 carryover, but I don't know if I'm doing it wrong (thus no carryover), or if it's the software. No big deal because in my case it's like $534 and not worth too much crying over. I would be curious how you do it if you get it working
by nalor511
Sun Feb 25, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question: Foreign Tax Credit
Replies: 33
Views: 3153

Re: Tax question: Foreign Tax Credit

The carry forward happens on form 1116, so if you don't file that one (most tax programs don't do it for you by default if your foreign tax paid is less than $600), then no carrying forward or back. It says this right in the form 1116 instructions.
by nalor511
Wed Feb 21, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8481

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

I think you can also contribute until April 2018 to have the contribution effective for tax year 2017. Then if you discover you don't have enough earned income, you have until at least Dec 2018 to 'remove excess contribution' without any penalty , and that income will go back onto your 2018 income, ...
by nalor511
Wed Feb 21, 2018 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8481

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Maybe you could contribute to an IRA or other last minute changes that would lower your AGI for last year
by nalor511
Mon Feb 05, 2018 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Average dude with just W-2 and some 1099-INT income
Replies: 18
Views: 1877

Re: Average dude with just W-2 and some 1099-INT income

Credit karma also does free tax filing for your return
by nalor511
Wed Jan 24, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: Should I reinvest dividends in a taxable account?
Replies: 2
Views: 636

Re: Should I reinvest dividends in a taxable account?

If you're already investing monthly into that fund, reinvesting quarterly dividends shouldn't do much more complication from a TLH or tax standpoint. If you want to TLH you'd have to turn off both monthly auto investment as well as dividend reinvestment, or trigger a potential wash sale
by nalor511
Tue Jan 23, 2018 4:23 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 50
Views: 9352

Re: Rule of 55 is it official?

It's not tax free, but it is free of the 10% early withdrawal penalty for being under 59.5 years old.

https://www.irahelp.com/slottreport/age ... ement-plan

The distribution would still be subject to federal (and state) income taxes.
by nalor511
Sun Jan 21, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Color fringing in new Costco eyeglasses - what gives?
Replies: 11
Views: 2325

Re: Color fringing in new Costco eyeglasses - what gives?

They may be polycarbonate, which is known for chromatic aberration. I like my 1.60 MR8 lens material from EyeBuyDirect, but definitely get something with higher ABBE number than polycarbonate. I also liked my 1.53 Trivex and 1.50 CR39 lenses, very good ABBE numbers on all those.
by nalor511
Wed Jan 03, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a bug in the law, in TurboTax, or in me? (re: excess IRA contributions)?
Replies: 18
Views: 1280

Re: Is this a bug in the law, in TurboTax, or in me? (re: excess IRA contributions)?

If the # exceeds your earned income you are not eligible to convert it to roth. You must now 'withdraw excess contribution' from your Roth, because it wasn't earned income, and therefore not eligible to be in there at all.
by nalor511
Sun Dec 31, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: What is best tax software for free filing - low income retirees?
Replies: 16
Views: 963

Re: What is best tax software for free filing - low income retirees?

So, a person making less than 66k is eligible for HRB's free file. What if this person has relatively complex income sources such as K-1, rental properties, etc.? It's the 'premium' version of HRB, so it covers all schedules and forms that any version of their application can support. There's a lis...
by nalor511
Fri Dec 29, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 34726

Re: Ally Bank 11 month [No-Penalty CD]

Ally has a problem right now where an attempted soft pull is actually a hard pull on your report. They removed my hard pull manually, but it took 4 days and a supervisor. Keep a close eye if you open a savings or checking account with them.