Search found 388 matches

by nalor511
Wed Oct 09, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 7536

Re: My mechanic just wrecked my car - advice?

I would ask them to purchase it for pre-repair value, minus the value of any work you had them about to perform (seems fair)
by nalor511
Wed Oct 09, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Receipt and document scanning app for Android
Replies: 7
Views: 434

Re: Receipt and document scanning app for Android

Google drive mobile app scans, as previously posted.
by nalor511
Tue Sep 24, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 57
Views: 3463

Re: How did your Windows 10 upgrade go?

e6420 with win7 is definitely entitled to free win10 upgrade. Key is hard coded in your BIOS, you don't need it.
by nalor511
Sat Sep 07, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Anyone with any experience with Warby Parker eyeglasses?
Replies: 37
Views: 3530

Re: Anyone with any experience with Warby Parker eyeglasses?

I've shopped extensively online for eyeglasses. My favorite, due to the no-questions-asked 14-day refund/exchange, and 365 day warranty (new pair) is EyeBuyDirect.com I don't like my experiences with Zenni, because the largest refund they will ever give you is 50% minus return shipping. How can you ...
by nalor511
Wed Aug 28, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 2038

Re: Passport Photos

I took mine myself and it got rejected, Too much contrast was reason given. REALLY puts a stress on a trip to figure out that you've now got to pay for expedited passport renewal. Never again. I'll just go up to Walgreens and let them do it. There are many reports of Walgreen/CVS photos being rejec...
by nalor511
Mon Aug 26, 2019 3:53 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25855

Re: VTIAX International fund - should I give up on it?

There was a reason you chose it in the first place. Has that reason changed (permanently)? If so, go ahead and get out of it. If not, stay. Stocks (and sectors) rise and fall. Sometimes US is ahead, sometimes other places. You can pick time periods that ex-US was way way up. I'm staying.
by nalor511
Fri Aug 16, 2019 3:05 pm
Forum: Personal Investments
Topic: Fidelity vs Alliant for CDs?
Replies: 9
Views: 862

Re: Fidelity vs Alliant for CDs?

How long do you want the money in the CD? Alliant no longer has the best rates, depositaccounts.com is worth a look, for finding rates.
by nalor511
Wed Aug 07, 2019 5:01 pm
Forum: Personal Investments
Topic: Should I give myself bridge loan through my VG accounts
Replies: 18
Views: 1162

Re: Should I give myself bridge loan through my VG accounts

I do understand that I can only deduct $3k per year against normal income. I won't have any other gains. But I can carry forward the remaining 13k of losses after doing my 2019 taxes. This is correct, and the type of losses they are (ST/LT) will always deduct/wipe-out the corresponding type of gain...
by nalor511
Tue Aug 06, 2019 7:16 pm
Forum: Non-US Investing
Topic: so many issues for US expats ... would forming an investing LLC in the US help?
Replies: 35
Views: 2681

Re: so many issues for US expats ... would forming an investing LLC in the US help?

If you file a corp tax return instead of passing it through to your individual 1099, presumably you'd pay the Corporate tax rate (21%?), which does not receive any favorable tax treatment for LTCG/Dividends, that individuals ordinarily receive (0%/15%). I know this is what happens with non-grantor t...
by nalor511
Sat Aug 03, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: How can I get a good room when I check into a hotel I booked online?
Replies: 30
Views: 3054

Re: How can I get a good room when I check into a hotel I booked online?

I only use Orbitz, Expedia, Hotels.com, etc. for doing searches, and then I always call the hotel and book directly, or at least book through their main reservation number or their own website. I think you are much more likely to get what you want when you book that way. Those big sites take maybe ...
by nalor511
Sat Jul 20, 2019 4:54 pm
Forum: Personal Investments
Topic: Voyager Select vs Flagship
Replies: 14
Views: 1652

Re: Voyager Select vs Flagship

No big advantages, no tangible differences, unless you care about free trades or CFP session. https://investor.vanguard.com/investing ... s/flagship
by nalor511
Fri Jul 12, 2019 3:38 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 3073

Re: is Vanguard Flagship service better? (I sure hope so)

The flagship is virtually no different, you can find the matrix of minor differences on the website.
by nalor511
Wed Jul 10, 2019 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another NFCU CD deal [Navy Federal Credit Union]
Replies: 34
Views: 4552

Re: Another NFCU CD deal [Navy Federal Credit Union]

Would not mind getting in on this, but with the stringent membership requirements (I'm not military), and the fact that it's not that much higher a rate than my existing CUs, will probably pass. Easy win for those who already have membership tho
by nalor511
Tue Jun 25, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 250
Views: 43958

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

OK, for those of you who followed my thread and purchased an 84 mo. CD with Andrews in 2016- it seemed like a great idea at the time but maybe not so great today when 2 year CDs are available at higher rates (please don't shoot the messenger!!). Anyway, fwiw, we are still beating inflation! I can't...
by nalor511
Tue Jun 25, 2019 5:10 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5728

Re: citi discontinuing citi price rewind

A bigger deal (for me) than the loss of Price Rewind would be the loss of the free 2 year warranty extension, which thepointsguy article states is going away too, for the DoubleCash card. That is a big deal for me too. I believe the Fidelity Rewards Visa Signature Card also gives 2% cash back with ...
by nalor511
Mon Jun 24, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5728

Re: citi discontinuing citi price rewind

A bigger deal (for me) than the loss of Price Rewind would be the loss of the free 2 year warranty extension, which thepointsguy article states is going away too, for the DoubleCash card. A couple months ago I used my DoubleCash card over my BofA Premium Rewards to buy a pair of iPhones precisely b...
by nalor511
Mon Jun 24, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5728

Re: citi discontinuing citi price rewind

A bigger deal (for me) than the loss of Price Rewind would be the loss of the free 2 year warranty extension, which thepointsguy article states is going away too, for the DoubleCash card.
by nalor511
Sun Jun 16, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Winning $0.99 bid items on eBay
Replies: 10
Views: 2356

Re: Winning $0.99 bid items on eBay

I've had plenty of experiences where the item never arrived and I initiated a refund. I've also seen a big increase in spam, and there's a new thing called "brushing" where they manufacture positive feedback/reviews using the address they've just farmed from you.
by nalor511
Wed Jun 12, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 4076

Re: Which shaving cream / oil?

I had a recent post on razors and now I'm looking to compare shaving cream / oil side by side? Would like to go with something medium to higher end - not looking to just use soap :) Any recommendations? If you are using real shaving soap, it's actually better than cream, cream is not superior. Palm...
by nalor511
Tue Jun 04, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Elidgibility Question
Replies: 13
Views: 865

Re: ACA Subsidy Elidgibility Question

So, in this case, I would need to start ACA insurance until June(when eligible for employer plan), be on employer plan until August/Sept.(when temporary job ends), then re-sign up for ACA insurance for the remainder of the year. Each change would start deductibles back to zero. The other option wou...
by nalor511
Sat May 18, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Foam vs pillow-top? Mattresses for the long term
Replies: 17
Views: 1613

Re: Foam vs pillow-top? Mattresses for the long term

...I also believe it is important to shop carefully for certain items, but I consider things that I are on or next to my body for significant stretches of my life: shoes, glasses and mattresses, in particular. Would never buy those online. (Sorry Warby Parker.) For glasses and shoes, you can absolu...
by nalor511
Sat Apr 27, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 37
Views: 12379

Re: USPS In transit Arriving Late

Item still shows in transit after 7 days on the correct tracking number. Seller says will only give refund after receiving a refund from USPS (after a claim is filed, which you can only do after 30 days). I provided a link to the eBay customer service page that shows if a seller cannot prove delive...
by nalor511
Fri Apr 26, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 77
Views: 10877

Re: New Washer - Frontload or HE Top Load

I've extensively used speed queen and maytag front loader and top loader units, all installed new in the last 6 months. Now, 6 months after install, clothes coming out of the front loaders have a distinct mildew smell (when allegedly clean), and clothes coming out of the top loaders do not have any ...
by nalor511
Wed Apr 24, 2019 5:13 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1402

Re: Treasury funds in an HSA in California

Agreed, for me it wasn't the dollar amounts, just the having to keep track at all. At this age I guess my brain is full :D Exactly how I feel. I already have too much complexity in my life. So even though this new thing is "no big deal," it still feels like a move in the wrong direction! The Fideli...
by nalor511
Wed Apr 24, 2019 4:36 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1402

Re: Treasury funds in an HSA in California

MotoTrojan wrote:
Wed Apr 24, 2019 4:32 pm

Understood. I won’t be selling at all (and won’t be in CA forever) so just adding up 4 dividend distributions is pretty low impact.
Agreed, for me it wasn't the dollar amounts, just the having to keep track at all. At this age I guess my brain is full :D
by nalor511
Wed Apr 24, 2019 4:35 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1402

Re: Treasury funds in an HSA in California

I can appreciate wanting to keep things simple, but if you're investing in treasury bond FUNDS, you're still going to have to keep track of the gains (or losses). If you're buying your treasuries at auction and holding them until maturity, what are you going to do with the dividends? Are you contri...
by nalor511
Wed Apr 24, 2019 3:59 pm
Forum: Personal Investments
Topic: Treasury funds in an HSA in California
Replies: 29
Views: 1402

Re: Treasury funds in an HSA in California

I hold S&P500 in my HSA in CA but bonds are not part of my core AA. I really really really don't want to track dividends and capital gains for CA to tax inside my HSA, because unlike a regular taxable account, the broker isn't responsible for (and doesn't) reporting any of that. I took mervin's sug...
by nalor511
Sat Apr 20, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: USPS In transit Arriving Late
Replies: 37
Views: 12379

Re: USPS In transit Arriving Late

First-class and even Priority *do not* have guaranteed dates. Only Express has guaranteed dates (I've collected on it once when they missed the date).

Priority has "2-day" or "3-day" printed on the label, but this is *not* guaranteed.
by nalor511
Thu Apr 18, 2019 3:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Treasury auctions: funding sources?
Replies: 5
Views: 673

Re: Vanguard Treasury auctions: funding sources?

When placing an order at Vanguard to participate in a new Treasury auction, is it necessary to have funds available in one's settlement account, or can the order pull directly from Prime Money Market (VMMXX)? Thanks! I wasn't able to to an 'exchange' to sell VMMXX and buy Treasuries, but you could ...
by nalor511
Mon Apr 15, 2019 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 25
Views: 1511

Re: Please help, foreign tax credit

Ok so when I finished my taxes on TT online after paying, I could view all the forms including 1116 before submitting. As mentioned in my original post, my credit was only a fraction of what I paid in foreign tax and what I expected to see was a line showing the carry over amount for future use, bu...
by nalor511
Sun Apr 14, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 25
Views: 1511

Re: Please help, foreign tax credit

jebmke wrote:
Sun Apr 14, 2019 4:52 pm
nalor511 wrote:
Sun Apr 14, 2019 4:50 pm
Definitely use the download certain, for form view alone it's worth the $18 price of HR block on sale. Search Slickdeals. If you just want to compare fed, and don't need state, you can probably find $11
I would never use a product that didn't allow me to see the entire return.
Me either
by nalor511
Sun Apr 14, 2019 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 25
Views: 1511

Re: Please help, foreign tax credit

You don't need a CD drive, you can download version.
by nalor511
Sun Apr 14, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 25
Views: 1511

Re: Please help, foreign tax credit

Definitely use the download version, for form view alone it's worth the $18 price of HR block on sale. Search Slickdeals. If you just want to compare fed, and don't need state, you can probably find $11
by nalor511
Sun Apr 14, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please help, foreign tax credit
Replies: 25
Views: 1511

Re: Please help, foreign tax credit

Thanks for the reply. We've paid high five figures in fed taxes, same as other years, so I don't think a pro rata thing is the issue. Guess we better figure out how to see the forms quick! Thanks again. It's not about the Fed tax you pay, it's about what the Fed thinks you *would* have paid on your...
by nalor511
Thu Apr 11, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1326

Re: Contact lens solution

She said "it's irritating". TBT I do have issues wearing them for a long day, but I thought that was normal. I'll try the free sample she gave me of the Biotrue and the Kirkland brand, too. Current brand I've used is Renu. Renu did indeed irritate my skin, and Biotrue is supposed to be great but ir...
by nalor511
Wed Apr 10, 2019 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble amending 2018 tax return!!
Replies: 2
Views: 350

Re: Trouble amending 2018 tax return!!

Hello, I am trying to amend my 2018 tax return....... I did it on Tax act....... but I cannot see my 2018 return!! It shows that it was filed, and the money was taken from my account yesterday. Any ideas on how to access it? I can see my 2017 return!! Tide out You can only amend via paper, so I'm n...
by nalor511
Wed Apr 10, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Roth IRA Mixup
Replies: 6
Views: 494

Re: 2018 Roth IRA Mixup

Contributions are one time only per account. I encountered the same thing at Vanguard. You can (VG told me to) create a new account and do a contribution for that same year. Then you can (if you need to) move it over to your existing account and close the "new" account. It's a workaround they'd offe...
by nalor511
Wed Apr 10, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Contact lens solution
Replies: 20
Views: 1326

Re: Contact lens solution

My optometrist told me last week that the contact lens solution I use is "irritating" and "not her favorite". Her suggestions we're both more expensive than the one I use. Any suggestions from forum members? The Costco Kirkland multipurpose that comes with 3 bottles per box is a great value, and we...
by nalor511
Tue Apr 09, 2019 4:46 pm
Forum: Investing - Theory, News & General
Topic: Navy FCU 40 month 3.75% IRA/ESA Cert
Replies: 15
Views: 1951

Re: NFCU 40 month 3.75% IRA/ESA Cert

I don't understand why they'd give a promo rate to one type of money (IRA) but not another (non-IRA). As far as they're concerned, money is fungible. Unless they don't like sending out 1099-int, and IRA is non-taxable? Sigh.
by nalor511
Tue Apr 09, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Limitations on foreign tax credit
Replies: 6
Views: 510

Re: Limitations on foreign tax credit

I suggest that you might have filled out the FTC Form 1116 incorrectly. It can be tricky and the HRBlock Deluxe download tax prep software takes some experience getting that form filled out correctly. So if you are limited, it means you are probably not paying any US taxes anyways, right? If you ar...
by nalor511
Mon Apr 08, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 21
Views: 4316

Re: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

Did your foreign tax credit go over the limit ($600 for MFJ) starting 2016? That is when you may have to file Form 1116. Otherwise, the credit is just reported in Form 1040. Good point. I checked and yes: 2016 was the year it went over $600. I wish the software had told me form 1116 was needed sinc...
by nalor511
Sun Apr 07, 2019 3:42 pm
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3366

Re: Eye glasses - cheaper alternates

Eyebuydirect has good customer service, and a full 12mo warranty on lens/frame, and a 14-day full refund policy. Zenni will only ever at best give you 50% of your money back if they make a mistake. I've had problems with glasses both places, I now buy my glasses at EBD. Sign up for their email coupo...
by nalor511
Fri Apr 05, 2019 3:40 am
Forum: Personal Consumer Issues
Topic: What happens if I put more than 30 bills into ATM?
Replies: 21
Views: 2908

Re: What happens if I put more than 30 bills into ATM?

I made a mistake once, deposited more than I stated, and they corrected it after counting. I think they do ATM deposits under camera, I'm not sure there is much room for errors on the counting end.
by nalor511
Fri Apr 05, 2019 3:38 am
Forum: Personal Finance (Not Investing)
Topic: URGENT! Expat taxes: California state taxes, driver's license renewal, foreign tax credit,
Replies: 29
Views: 1572

Re: URGENT! Expat taxes: California state taxes, driver's license renewal, foreign tax credit,

FEDERAL TAXES 4) How does one use form F1116, Foreign Tax Credit? If I earned ~$130,000 in the UK, on which I paid UK taxes, and I was able to take ~$100,000 off as foreign income exclusion, how do I treat the remaining $30K? Can I claim back the UK taxes that I paid somehow? Yes, you can claim a c...
by nalor511
Tue Apr 02, 2019 4:12 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 157
Views: 7927

Re: Scam alert - USPS new feature playing a role

Agree that the Informed Delivery connection seems to be unfounded. And it is not new, started 2 years ago yesterday. All I know is what the bank employee told me. She seemed to be quite concerned about the info they could use. Besides bank statements, I suppose they could figure out what health ins...
by nalor511
Tue Mar 26, 2019 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Uploading attachment to e-file in HRB
Replies: 6
Views: 342

Re: Uploading attachment to e-file in HRB

I finally figured out my snafus with filing nonresident return and claiming credit on resident state return. See https://www.bogleheads.org/forum/viewtopic.php?f=2&t=276679 My question is: Has anyone successfully attached a file during e-filing using HRB Deluxe download software? Resident state nee...
by nalor511
Mon Mar 25, 2019 10:57 pm
Forum: Investing - Theory, News & General
Topic: Utah First Credit Union 3.5% 5 yr CD
Replies: 13
Views: 1409

Re: Utah First Credit Union 3.5% 5 yr CD

I opened a non-ira 5 year cd with utah first. After the cd is already opened they send you the disclosures. The ewp is 180 days but you can only do an early withdrawal if they consent to it. Also interest is credited quarterly, and accrued but not yet credited interest is forfeited in case of early...
by nalor511
Sat Mar 23, 2019 3:40 am
Forum: Personal Finance (Not Investing)
Topic: HR Block question
Replies: 16
Views: 1230

Re: HR Block question

Print it out and send in your AZ return including the forms you need on paper
by nalor511
Fri Mar 22, 2019 6:46 pm
Forum: Personal Investments
Topic: Get Longer Term CDs now?
Replies: 16
Views: 1847

Re: Get Longer Term CDs now?

Would love a 4% CD right now.
by nalor511
Fri Mar 22, 2019 5:40 pm
Forum: Personal Investments
Topic: VXUS now lower cost than VTIAX. Should I convert?
Replies: 28
Views: 3073

Re: VXUS now lower cost than VTIAX. Should I convert?

There’s always so much FUD in threads concerning ETFs. If you want to, go ahead and convert. You can continue to buy the mutual fund and convert on some regular schedule. It really doesn’t matter at all. What is FUD? Fear, Uncertainty, Dread. I think it's actually Fear Uncertainty Doubt, the implic...