Search found 296 matches

by nalor511
Sat Dec 08, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: Added to my total us fund on vanguard site Dec 6th and still shows pending
Replies: 11
Views: 670

Re: Added to my total us fund on vanguard site Dec 4th and still shows pending

Contact customer service. Dec 4 was not a Thursday, it was a Tuesday. Thursday was dec 6, the day on which they had some issues.
by nalor511
Fri Dec 07, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Medi-cal vs ACA market subsidy in unemployment
Replies: 4
Views: 430

Re: Medi-cal vs ACA market subsidy in unemployment

Medi-cal counts lump sum income only in the month it's earned, so you'd have no claw back, and no eligibility change, if you do your conversations say dec 15, and you can do as many as you want, you can go over the MAGI limit as long as your next month is still low (i.e. only dec is high). No fees f...
by nalor511
Thu Dec 06, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 11720

Re: 20M Inheritance - What is best option for small/no risk on principal?

You won't get those rates with CDARS, IMO, those are the teaser rates you get if you do your own CDs. CDARS rates are lower, because they're making it easier for you by doing a lot of the legwork. If you can accept that, fine. Personally I'd throw at least 50% into stocks, and the other 50% into tre...
by nalor511
Tue Dec 04, 2018 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 35
Views: 3462

Re: Best online banking accounts?

I transferred from CapitalOne360 to ALLY in July--Ally's rates have increased 3 times (I think) since then. They are at 2% now. They also have a nice online chat feature I use often, which I prefer to calling on the phone. Nothing bad to say about Ally. I agree the chat feature is nice, except for ...
by nalor511
Mon Dec 03, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best online banking accounts?
Replies: 35
Views: 3462

Re: Best online banking accounts?

Alliant Credit Union. Highly rated! Changed there in last 9 months and love it. https://www.nerdwallet.com/banking/banks-credit-unions/alliant-credit-union Rates: Savings = 2% Checking = .65% https://www.alliantcreditunion.org/rates I much prefer Alliant over Ally, Ally took a really long time to d...
by nalor511
Mon Dec 03, 2018 7:19 am
Forum: Investing - Theory, News & General
Topic: foreign tax credit
Replies: 12
Views: 933

Re: foreign tax credit

No, you are NOT REQUIRED to fill out a carryforward form. However, you should do one for your own benefit. Your tax software should keep track of the carryforward for you. Of course you can also create a spreadsheet yourself. There is an example in form 1116 instructions that provides a good spread...
by nalor511
Sun Dec 02, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50696

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

So I'm with HSA bank and am getting tired of the $66/year fee. Left my employer that offered it so I'm trying to decide between Lively and Fidelity. So this is what, a $30 difference/year between the two? I really like my vanguard funds through TDA that I have my HSA in (VB & VXUS) but I'm complete...
by nalor511
Sun Dec 02, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18280

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

I bought Premium for $46.50 on Nov 21 on Amazon. Saw Amazon was selling it for $32.50 on Nov 23. I called Amazon to see if they would reimburse the $14 difference. Not a chance. Did you maybe use a credit card with price protection? Good thought. Maybe I did. That said, the amount of time and energ...
by nalor511
Sun Dec 02, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Persuading HR to expedite benefits set up?
Replies: 5
Views: 658

Re: Persuading HR to expedite benefits set up?

Thanks for all the advice and explanations on what causes the slowdown - and the tip to speed things up a bit. It's a large company and based on what I see here, sounds like there is not much I can (or should) do. The slowness was a surprise: my spouse and I have always had 401(k) and benefits acti...
by nalor511
Sun Dec 02, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: foreign tax credit
Replies: 12
Views: 933

Re: foreign tax credit

does anyone know if the foreign tax credit covers 100% of foreign taxes paid, or does it only give a credit up to the amount that one would have paid in US taxes? Ie if a European country charges 25% on dividends, would a US investor get a credit for that full 25% or only up to 15% (the US rate on ...
by nalor511
Sun Dec 02, 2018 2:56 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3007

Re: Penfed raises certificate rates 12/1/18

tfb wrote:
Sun Dec 02, 2018 2:41 am
tbradnc wrote:
Sat Dec 01, 2018 6:14 am
I'm going to buy a good slug of 1 year certs at 2.8% and see what happens over the next 12 months.
1 year Treasury is 2.7% state income tax free.
It's a great point. Not everyone has state tax.
by nalor511
Tue Nov 27, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard email : Conversions to Roth IRAs can no longer be reversed
Replies: 10
Views: 982

Re: Vanguard email : Conversions to Roth IRAs can no longer be reversed

What was eliminated in the recent tax law was the ability to recharacterize a conversion. The OP was not doing this. We got the same notice from Vanguard and TIAA. Personally, I believe recharacterizing a conversion should be allowed up to the tax filing deadline, because unintended consequences ca...
by nalor511
Tue Nov 27, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard email : Conversions to Roth IRAs can no longer be reversed
Replies: 10
Views: 982

Re: Vanguard email : Conversions to Roth IRAs can no longer be reversed

I really don't understand what they were trying to accomplish by killing recharacterizations, I mean, so many things can be missed or not known 100% that might make you want to undo some or part of a Roth conversation, I just don't see why this was changed. Do a search on “Roth IRA horse race” and ...
by nalor511
Tue Nov 27, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard email : Conversions to Roth IRAs can no longer be reversed
Replies: 10
Views: 982

Re: Vanguard email : Conversions to Roth IRAs can no longer be reversed

I really don't understand what they were trying to accomplish by killing recharacterizations, I mean, so many things can be missed or not known 100% that might make you want to undo some or part of a Roth conversation, I just don't see why this was changed.
by nalor511
Sun Nov 25, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18280

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Just tried to order from Walmart four times using three different credit cards. All orders got cancelled due to payment verification issues. :oops: I had this same exact issue. Tried multiple times, this is how I fixed it. <snip> I tried the same thing, but using online chat instead. <snip> So, my ...
by nalor511
Fri Nov 23, 2018 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting
Replies: 31
Views: 2853

Re: Tax Gain Harvesting

If you want to harvest gains out of VTSAX (Total Stock), do a Morningstar 'Growth of $10k' graph for VTSAX and VFIAX (SP500). The lines are essentially superimposed: https://quotes.morningstar.com/chart/fund/chart.action?t=VTSAX®ion=usa&culture=en-US&dataParams=%7B%22zoomKey%22%3A10%2C%22version...
by nalor511
Fri Nov 23, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting
Replies: 31
Views: 2853

Re: Tax Gain Harvesting

Just trying not to trigger Vanguard's frequent trading block to get the original investment back, or better yet, keep it while still realizing the gain, but not sure how best to do it, mechanics wise
by nalor511
Thu Nov 22, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting
Replies: 31
Views: 2853

Re: Tax Gain Harvesting

Is there a better way to get around Vanguard's short term trading limit, if one wants to harvest tax gains, while staying in the same exact mutual fund (or the closest thing) than to: 1: exchange VTSAX to VLCAX 2: set up automatic exchange of all shares VLCAX to VTSAX 3. next day auto exchange from ...
by nalor511
Wed Nov 21, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: Budget Laptops
Replies: 17
Views: 1972

Re: Budget Laptops

ronno2018 wrote:
Wed Nov 21, 2018 7:53 pm
I really like the Huawei Matebook D. Walmart is clearing them out for less than $300. https://brickseek.com/walmart-inventory ... =507473681
Pretty difficult to find one of these after the first week or two they were clearanced.
by nalor511
Mon Nov 19, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18280

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Last year the $10 deluxe showed up Jan 1, fyi. I'd love to have it now, but the software (forms) aren't anywhere near final yet, so not sure it's worth paying $21 extra to have it now. Even though there will be a few updates, I find it helpful to run a pro-forma before our last estimated tax paymen...
by nalor511
Mon Nov 19, 2018 8:58 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18280

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

vtMaps wrote:
Mon Nov 19, 2018 8:36 am
nalor511 wrote:
Mon Nov 19, 2018 8:17 am
Walmart has 2018 deluxe+state for $18 https://www.walmart.com/ip/H-R-Block-Ta ... /810000421
That is the windows version. The mac version is still over $30.

--vtMaps
Good deal still for win
by nalor511
Mon Nov 19, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: what to ask ORG re CDs
Replies: 11
Views: 1040

Re: what to ask ORG re CDs

depositaccounts.com/cd/ , Ally does not have the best rates, check the site for better CUs
by nalor511
Mon Nov 19, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18280

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Last year the $10 deluxe showed up Jan 1, fyi. I'd love to have it now, but the software (forms) aren't anywhere near final yet, so not sure it's worth paying $21 extra to have it now.
by nalor511
Sun Nov 18, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8226

Re: Current Retirees: Do you touch your principal?

4% rule is one of the common models, expected to last 30 years or so. Personally, more conservative so 2% feels more comfortable. This percentage can come out of dividends, interest, or principal, it's all the same really. Do you eat food out of your fridge or freezer? It's all part of your total re...
by nalor511
Sat Nov 17, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Deluxs 2018 doesn't include Schedule D?
Replies: 14
Views: 956

Re: H&R Block 2018 doesn't include Schedule D?

Their website lists schedule D under deluxe for 2018, and the full list of supported forms is not yet available
by nalor511
Fri Nov 16, 2018 2:22 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 643
Views: 44910

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Cap gain in 2016 for FUAMX was 0.075/10.67share price, = 0.703% capital gain for that year (2016), that doesn't seem so bad. Sure, 0 would be better, but that expense ratio's about as low as they come, about 1/5th the ishares ones I was looking at.
by nalor511
Thu Nov 15, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 643
Views: 44910

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Opened one, don't see any downside, bye bye Lively (once it's been open long enough to avoid that $25 closure fee) Those of you in CA who are striving to keep things tax free, which treasury funds do you recommend at Fidelity? I'm trying to use the screener, and it seems like iShares Treasury bond f...
by nalor511
Wed Nov 14, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: EBay Refund to Wrong Person?!
Replies: 3
Views: 578

Re: EBay Refund to Wrong Person?!

Maybe it is due to the shared Fidelity CC. Does they have the same numbers? Yes, they do have the same number, but... I guess I still don't see how EBay would screw up who the buyer was. A slight correction to my original post: Turns out the refund has gone to the card already. Somehow I missed it ...
by nalor511
Wed Nov 14, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Dumb question about bedding and comforters
Replies: 20
Views: 1702

Re: Dumb question about bedding and comforters

Another vote for getting a cover, we were using a comforter for about 6 mo without a cover, and it got to be a real chore to wash. Used a cover for at least 30 years prior, which was much easier. Went back to a cover.
by nalor511
Wed Nov 14, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1344

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

Really great you were able to fix it, $300 saved, :moneybag
by nalor511
Tue Nov 13, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 14976

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

jst wrote:
Tue Nov 13, 2018 9:04 pm
brennok wrote:
Tue Nov 13, 2018 9:03 pm
Opened again at 2.1 on the 4th so should make the 10 day cutoff.
I haven't ever taken advantage of that feature. Is it automatic, or do you have to ask for it?
Mine wasn't automatic, I had to chat and call 4 times over 2 months to get it implemented. What a waste of time.
by nalor511
Tue Nov 13, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1344

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

For around $200 you can get a used LG G6 which will be similar, or even an Essential, Pixel, or Samsung S8. Not much I would buy new at that price. If you can swing two phones, wait for a BOGO from TMo.
by nalor511
Tue Nov 13, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Moto G5+ to Moto X4?
Replies: 6
Views: 679

Re: Upgrade from Moto G5+ to Moto X4?

There are lots of YouTube side by side comparisons of the g5+ and x4, and it won't be an upgrade for you. For the same price you can get a used LG G6 which will be a huge upgrade, or even an Essential, Pixel, or Samsung S8, all of which will be twice as good as the x4, at least.
by nalor511
Tue Nov 13, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: New phone suggestions? My LG V20 phone is kicking the bucket.
Replies: 22
Views: 1344

Re: New phone suggestions? My LG V20 phone is kicking the bucket.

Did you sign up for LG's free 2nd year warranty? https://www.lg.com/us/mobile-phones/warranty

Might be able to get an advance replacement at no charge.
by nalor511
Sun Nov 11, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3191

Re: Can you suggest where to live if work at UCLA

Rents and purchase price are very competitive around UCLA. Does your job come with parking? (probably not). Parking would let you park anywhere within whatever drive time you're comfortable with. Generally going south of Wilshire toward Culver City, or east toward West Hollywood will lower the rents...
by nalor511
Sat Nov 10, 2018 4:41 am
Forum: Personal Finance (Not Investing)
Topic: ACA subsidies and single LLC
Replies: 27
Views: 2225

Re: ACA subsidies and single LLC

Do you have a bank CD at a lower rate that you can break early (paying a penalty, which comes off your MAGI), and reinvest at a higher rate? Do you have a HSA or traditional IRA contribution you can make (which comes off your MAGI)? Can you sell a stock/mutual fund at a loss, taking up to $3,000 of ...
by nalor511
Fri Nov 09, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2513

Re: Garden SFCU 4% 4-year CD, 6 month EWP

The details page for this offer now shows an "update" that they have concluded their special rates offer as of this afternoon (Friday Nov 9). So that's it for 4%/4yr . . . at least for now. Wow, that sucks, they haven't even processed my application yet and it's been 2 days, I'm willing to bet not ...
by nalor511
Fri Nov 09, 2018 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Snowbirding in HI [Residency requirements for tax purposes]
Replies: 28
Views: 2835

Re: Snowbirding in HI

The bottom line is that any state taxing agency can come after you if they have reason to believe your domicile is in their state. CA and NY are known for this. You'll never get a concrete answer that says you're fine, because it's a bit up to interpretation. The passages pasted and interpreted seem...
by nalor511
Thu Nov 08, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA.com now has 2018 Return available.
Replies: 32
Views: 3467

Re: FreeTaxUSA.com now has 2018 Return available.

I find their ability to edit prior year tax info (like 1116, 8801, etc) that's necessary to do this year's taxes, seems to be completely absent. I.e. there's nowhere in the UI that I can find to enter data from those forms from last tax year. They give me the option to import last year's tax forms c...
by nalor511
Thu Nov 08, 2018 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity International Wire Currency Exchange Rates
Replies: 13
Views: 1505

Re: Fidelity International Wire Currency Exchange Rates

cholan wrote:
Wed Nov 07, 2018 11:52 pm
I have used Transferwise... (Interactive Brokers may be even cheaper, there is a thread ongoing).
Got an IB link? Is it a big headache to get cheaper rates than with TW? TW is super easy. Cheers
by nalor511
Wed Nov 07, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity International Wire Currency Exchange Rates
Replies: 13
Views: 1505

Re: Fidelity International Wire Currency Exchange Rates

I recently had to send EUR from USD to an account in Europe, and the cheapest exchange/wire option I found was Transferwise https://transferwise.com/pricing , I was leery at the time to use a service I'd never heard of, but they were *significantly* cheaper than any alternative, and had plenty of re...
by nalor511
Wed Nov 07, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2513

Re: Garden SFCU 4% 4-year CD, 6 month EWP

Anybody doing this one? Kevin?
by nalor511
Wed Nov 07, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3629

Re: 3.75% - 5-year CD

One question I have is, why can a CD go above the US treasury "risk-free rate" which is presumably 3.1x% for a ten year treasury now. When the bank needs capital (to fund loans, reserves, other initiatives), they may pay more to get those deposits in, or because they're making money loaning your mo...
by nalor511
Tue Nov 06, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2513

Re: Garden SFCU 4% 4-year CD, 6 month EWP

My only hesitation is that I'd have to pay a 6mo EWP to get the money for this (so effectively 1.5% APY in penalty). Anyone going to jump?
by nalor511
Tue Nov 06, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Garden SFCU 4% 4-year CD, 6 month EWP
Replies: 35
Views: 2513

Garden SFCU 4% 4-year CD, 6 month EWP

Did anyone else see this 4%/4.0%APY CD at Garden Savings: https://www.gardensavingsfcu.org/notice-details.html https://www.depositaccounts.com/banks/garden-savings-fcu.html It's also listed on their main rate page: https://www.gardensavingsfcu.org/services-tools/tools/rates.html#share-certificates O...
by nalor511
Tue Nov 06, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3629

Re: 3.75% - 5-year CD

I think the 4%/4.0%APY is Garden Savings: https://www.gardensavingsfcu.org/notice-details.html https://www.depositaccounts.com/banks/garden-savings-fcu.html Free membership by joining american consumer council. Text: Join us as we celebrate America's military Veterans this month with two great certi...
by nalor511
Tue Nov 06, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: 3.75% - 5-year CD
Replies: 13
Views: 3629

Re: 3.75% - 5-year CD

3.68 interest, 3.75 apy
by nalor511
Sun Nov 04, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: 2 year CD - taxable interest for ACA?
Replies: 7
Views: 458

Re: 2 year CD - taxable interest for ACA?

My Ally no penalty cd interest was reported when it was paid (i.e. When I closed the account, one tax year after I opened it, nothing was paid nor reported the prior tax year)