Search found 675 matches

by nalor511
Sun May 24, 2020 4:46 pm
Forum: Personal Investments
Topic: Can I open a Roth IRA
Replies: 3
Views: 73

Re: Can I open a Roth IRA

You can open one whenever you want. It will ask you which tax year you are contributing for, and the answer must be for a year which you meet all the qualifications
by nalor511
Sat May 23, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Mobile scanner: Why not?
Replies: 16
Views: 1066

Re: Mobile scanner: Why not?

Google drive on your phone will scan for free to pdf
by nalor511
Fri May 22, 2020 2:33 pm
Forum: Personal Investments
Topic: Critque my Tax Loss Harvesting plan
Replies: 13
Views: 654

Re: Critque my Tax Loss Harvesting plan

As volatile as the market is I wouldn’t worry about dividends. If you have the loss Tuesday I would consider taking it Tuesday. I don’t like to be out of the market so if you can come up with a plan you like to sell and quickly get back in without doing a wash sale I would consider doing that. Agre...
by nalor511
Fri May 22, 2020 12:58 pm
Forum: Personal Investments
Topic: Critque my Tax Loss Harvesting plan
Replies: 13
Views: 654

Re: Critque my Tax Loss Harvesting plan

You don't have to assume anything. The June dates are the same for Ftse all world, dev, emrg, and total intl. https://advisors.vanguard.com/insights/article/2020scheduleofdividenddistributions Thank you nalor511, I had no idea this resource was available! AFAIK this year is the first time they've p...
by nalor511
Thu May 21, 2020 7:52 pm
Forum: Personal Investments
Topic: Critque my Tax Loss Harvesting plan
Replies: 13
Views: 654

Re: Critque my Tax Loss Harvesting plan

You don't have to assume anything. The June dates are the same for Ftse all world, dev, emrg, and total intl. https://advisors.vanguard.com/insights/article/2020scheduleofdividenddistributions So your plan will not work among these 4 funds, because the div date is the same. either choose another fun...
by nalor511
Tue May 19, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains From Brokerage "Covered Shares"
Replies: 2
Views: 169

Re: Capital Gains From Brokerage "Covered Shares"

I'm breaking this out from another thread. What's required to prove capital gains for (brokerage) "covered shares"? Does the IRS require taxpayers to keep purchase documents and other basis adjustments, or, since 2012 (or was it 2010 or '11), when brokerages became required to track basis, is that ...
by nalor511
Sun May 17, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Turned down for Amex Blue Cash Preferred CC...
Replies: 12
Views: 1376

Re: Turned down for Amex Blue Cash Preferred CC...

Amex is pretty strict/stingy when you do not have an existing account with them yet. They loosen up quite a bit after you get that first card.
by nalor511
Sat May 16, 2020 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: High Deductable ObamaCare + HSA
Replies: 29
Views: 1468

Re: High Deductable ObamaCare + HSA

Flobes wrote:
Mon May 11, 2020 10:48 pm
xxsocraticxx wrote:
Mon May 11, 2020 6:58 pm
With no employment income and having a high deductable insurance plan, can I still contribute into an HSA ?
If you are collecting state or federal unemployment benefits, you can use HSA to pay health insurance premiums.
Thx Flobes, learn something new every day
by nalor511
Sat May 16, 2020 1:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8492

Re: Vanguard Mutual Fund Platform EOL

That kind of real time interaction would be great. But Vanguard IT is too busy removing features. I find this statement disingenuous. Nobody is spending time removing features, they are actually implementing a new system from scratch, and just have not added whatever feature to which you are referr...
by nalor511
Fri May 15, 2020 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help! How to Edit Length of Credit Freeze Lift at Experian
Replies: 6
Views: 259

Re: Help! How to Edit Length of Credit Freeze Lift at Experian

I found the same thing, no way to change the length. You could probably do a "new" freeze if you really wanted to? Would it be the end of the world if it was unfrozen for 3 days? Probably not.
by nalor511
Fri May 15, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8492

Re: Vanguard Mutual Fund Platform EOL

If I'm reading correctly, it's not available in the old platform either (DRIP reinvestment for ETFs), because ETFs weren't allowed on the old platform. And DRIP redirection is available (per user above) in the new platform for MFs, right now. So if it's something you require, when you port your acc...
by nalor511
Fri May 15, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mutual Fund Platform EOL
Replies: 245
Views: 8492

Re: Vanguard Mutual Fund Platform EOL

Why is it so important to some long-time Vanguard customers to be able to automatically redirect the dividends of one fund into a different fund? Seems like a minor feature to me in the grand scheme of things. Since it is so minor and so convenient to so many, why not add it to the new platform? I ...
by nalor511
Thu May 14, 2020 12:25 pm
Forum: Personal Investments
Topic: Should I put money in a Traditional IRA?
Replies: 17
Views: 741

Re: Should I put money in a Traditional IRA?

If what you wanted to do was a Roth anyway, you can contribute to the Traditional, and immediately convert to Roth, which will be basically the same effect as contributing to the Roth directly. You will pay taxes on the income this year, and the Roth will get the contribution.
by nalor511
Wed May 13, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Dental estimate for a gold crown
Replies: 28
Views: 1965

Re: Dental estimate for a gold crown

I have pfm crowns on both sides with the porcelain worn off, unless the seal between the tooth and the metal is broken, you may not need to replace it just yet
by nalor511
Wed May 13, 2020 6:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2020 distribution schedule
Replies: 9
Views: 990

Re: Vanguard 2020 distribution schedule

jebmke wrote:
Mon Apr 06, 2020 4:43 pm
goonie wrote:
Mon Apr 06, 2020 4:27 pm
Why don't they include December dividends?
Maybe there won't be any! :P
Wondering this too 🙂
by nalor511
Fri May 08, 2020 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5395

Re: Easy $200 from Penfed?

I just don't like the low interest rates. I suppose you could invest the minimum and the shortest allowable term. Otherwise, you'll give some or all back. $200 / $1,200 = 16.7% return in 4 months. That is 50% return annualized. Not sure how the interest rate even matters at that point; although it ...
by nalor511
Fri May 08, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5395

Re: Easy $200 from Penfed?

Those who've successfully done bonuses that require debit card purchases, are you using the debit card online via the VISA/MC network, or if not, how are you setting it up? E.g. on amazon to do a reload. This is my first time doing any kind of debit card related bonus (requires 5x debit card charges)
by nalor511
Thu May 07, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5395

Re: Easy $200 from Penfed?

As a point of reference, 10-year penfed member with a credit freeze, trying to apply for the checking account gave a weird message that my paperwork was on the way and I would have to sign it and return it. So I emailed them. They replied 2 days later that no, my paperwork was not on the way, and w...
by nalor511
Thu May 07, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5395

Re: Easy $200 from Penfed?

As a point of reference, 10-year penfed member with a credit freeze, trying to apply for the checking account gave a weird message that my paperwork was on the way and I would have to sign it and return it. So I emailed them. They replied 2 days later that no, my paperwork was not on the way, and wo...
by nalor511
Tue May 05, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5395

Re: Easy $200 from Penfed?

Anyone try funding via Fido 2% card? Just curious whether it coded as cash advance, or purchase (I've never funded a bank account with CC before)
by nalor511
Sat May 02, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24298

Re: IRS Get My Payment up and running

montanagirl wrote:
Sat May 02, 2020 8:58 am
Same, entered bank info 4/24, DD date may 6.
Same here, but, I see the pending ACH already (5/2)
by nalor511
Thu Apr 30, 2020 4:09 pm
Forum: Personal Investments
Topic: Ira transfer Vanguard mma to Ally Bank Cd
Replies: 4
Views: 286

Re: Ira transfer Vanguard mma to Ally Bank Cd

Edit: No, it's not (or shouldn't be) a taxable event if you send in the transfer form to Ally so it's a custodian-to-custodian transfer. You may very well still get a 1099R, with following IRS notice that taxes are due on the transfer. I've gotten these twice (about half the time I've done rollover...
by nalor511
Wed Apr 29, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: OneNote alternative (Windows)?
Replies: 14
Views: 827

Re: OneNote alternative (Windows)?

Evernote
by nalor511
Wed Apr 29, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 656
Views: 86490

Re: Best CD rates thread

Thanks, hudson. BTW, although I use depositaccounts as well, I think rates are dropping so fast that that site can't keep up. For instance the PenAir 2-year shows as 1.9% on depositaccounts, but actually just 1.7% on PenAir.org. Noticed the same for many other institutions. You can submit on each d...
by nalor511
Thu Apr 23, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Feature Updates - Install When Available or Wait?
Replies: 13
Views: 744

Re: Windows 10 Feature Updates - Install When Available or Wait?

The latest update is (again) reported to delete files it shouldn't. I'd wait. The whole deleting files thing actually made me switch to Lubuntu/Ubuntu, and I now dual boot Windows only for critical things that I cannot do in linux.
by nalor511
Wed Apr 22, 2020 8:58 pm
Forum: Personal Investments
Topic: Vanguard Account: Using money market vs Linked Bank Account
Replies: 1
Views: 333

Re: Vanguard Account: Using money market vs Linked Bank Account

You get instant credit for ACH deposit, no need to mess around with MMF, you can buy right away. With the caveat that your bank must be linked and trial deposit verified in advance. If that's all completed, you can buy same-day, no worries.
by nalor511
Tue Apr 21, 2020 5:55 pm
Forum: Personal Consumer Issues
Topic: Grainy/blurry photos when using apps to take pictures ( Moto G6 )
Replies: 34
Views: 953

Re: Grainy/blurry photos when using apps to take pictures ( Moto G6 )

You could also try to add some more light to the area you want to photo, via another light, brighter bulb, etc
by nalor511
Tue Apr 21, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Grainy/blurry photos when using apps to take pictures ( Moto G6 )
Replies: 34
Views: 953

Re: Grainy/blurry photos when using apps to take pictures ( Moto G6 )

The new Moto G Power is supposed to have great cameras, it's $250, may be time for an upgrade
by nalor511
Tue Apr 21, 2020 1:47 pm
Forum: Personal Consumer Issues
Topic: Grainy/blurry photos when using apps to take pictures ( Moto G6 )
Replies: 34
Views: 953

Re: Grainy/blurry photos when using apps to take pictures ( Moto G6 )

What happens when you take pictures with the camera app that comes with the phone? Camera app is better but still grainy if I zoom in. With flash they are sharp, even zoomed in. Grainy if you zoom in before/while taking the photo? That's digital zoom, which you should never use if you are trying to...
by nalor511
Tue Apr 21, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Grainy/blurry photos when using apps to take pictures ( Moto G6 )
Replies: 34
Views: 953

Re: Grainy/blurry photos when using apps to take pictures ( Moto G6 )

Yes this has absolutely nothing to do with iphone/android , and everything to do with the specific app , and how it's focusing, or what filter it's using, etc. Can you tap on the subject, to change the focus? Can you change the photo quality level upward?
by nalor511
Tue Apr 21, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: steam shower recommendations
Replies: 10
Views: 489

Re: steam shower recommendations

Does anyone have experience with these modular units? They might be a good way to avoid the mold issues. https://www.wayfair.com/home-improvement/sb1/steam-shower-shower-stalls-enclosures-c215781-a72088~460816.html I can't find much info on them. They're only available for purchase online. There ar...
by nalor511
Sat Apr 18, 2020 9:43 pm
Forum: Personal Investments
Topic: Disappointed with Vanguard service. Better options?
Replies: 66
Views: 5625

Re: Disappointed with Vanguard service. Better options?

I constantly hear about VG having bad CS. But it hasn't been my experience. I also prefer the VG website over Fido and Schwab. Maybe it's just because I'm used to it, but it's way more intuitive to me.
by nalor511
Sat Apr 18, 2020 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block PC software not letting me e-file with foreign address
Replies: 13
Views: 682

Re: H&R Block PC software not letting me e-file with foreign address

You need to show the whole form, or at least that whole worksheet. Obviously your line 18 is coming out different.
by nalor511
Sat Apr 18, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Bluetooth headphones with microphone recommendations?
Replies: 9
Views: 503

Re: Bluetooth headphones with microphone recommendations?

Jlab Bluetooth Signature Pro, you can get them around $7-10 and they have a 2 year warranty
by nalor511
Sat Apr 18, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24298

Re: IRS Get My Payment up and running

Does not work for me. Less useful than no information, because it required time, and added frustration.
by nalor511
Fri Apr 17, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Receipts for delayed withdrawal - record keeping
Replies: 12
Views: 460

Re: HSA Receipts for delayed withdrawal - record keeping

If you search the (probably 4-5) threads that beat this topic into oblivion, you will find at least a couple of posts by me describing the two times I was "audited" on my HSA by the IRS. It was a CP letter, not a formal audit. Do you happen to know your rough income and med expense levels each year...
by nalor511
Fri Apr 17, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: T-Mobile Connect - $15/mo 2GB
Replies: 27
Views: 2534

Re: T-Mobile Connect - $15/mo 2GB

FYI, Tmobile connect (prepaid) does not have free international roaming like the postpaid plans do, BUT you can get it for $5 a month which is still a really good deal. Not that anyone is probably roaming much right at the moment, but it's a great thing to have built into your plan. https://www.t-mo...
by nalor511
Thu Apr 16, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 5
Views: 532

Re: Health Savings Account

I don't think you could fo that. Catch up contribution is $1000 for the family. It's possible you could do $500 each, but not $1000 each. You can do $1000 each, but only if each spouse is eligible for HSA contributions, and each spouse has their own HSA. In this case it sounds like only one spouse ...
by nalor511
Thu Apr 16, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block PC software not letting me e-file with foreign address
Replies: 13
Views: 682

Re: H&R Block PC software not letting me e-file with foreign address

"Is there another tax software that allows e-filing using a foreign address?" TurboTax. Basic is enough. TT plays it's own games, and is not better than HRB in this regard, just different games with different features . HRB could not compute Computation of Capital Gain Excess on the Foreign Earned ...
by nalor511
Thu Apr 16, 2020 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Workday and HSA contribution
Replies: 8
Views: 498

Re: Workday and HSA contribution

Start a Fidelity HSA and put in whatever amount your are still allowed under law, if your HR is uncooperative. Not ideal, but will work out almost the same
by nalor511
Thu Apr 16, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block PC software not letting me e-file with foreign address
Replies: 13
Views: 682

Re: H&R Block PC software not letting me e-file with foreign address

plats wrote:
Thu Apr 16, 2020 2:37 pm
"Is there another tax software that allows e-filing using a foreign address?"
TurboTax. Basic is enough.
TT plays it's own games, and is not better than HRB in this regard, just different games with different features .
by nalor511
Thu Apr 16, 2020 4:59 pm
Forum: Personal Consumer Issues
Topic: Pixel 3a or Wait for New Iphone?
Replies: 35
Views: 1542

Re: Pixel 3a or Wait for New Iphone?

Moto G Power has an excellent camera and 3 day battery life for $250
by nalor511
Thu Apr 16, 2020 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 5
Views: 532

Re: Health Savings Account

I don't think you could fo that. Catch up contribution is $1000 for the family. It's possible you could do $500 each, but not $1000 each. You can do $1000 each, but only if each spouse is eligible for HSA contributions, and each spouse has their own HSA. In this case it sounds like only one spouse ...
by nalor511
Thu Apr 16, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block PC software not letting me e-file with foreign address
Replies: 13
Views: 682

Re: H&R Block PC software not letting me e-file with foreign address

Yes it's not too hard to get a refund, or to get them to give you a credit for the online version (I've done both), if they are reluctant just push harder, but of course politely.
by nalor511
Wed Apr 15, 2020 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24298

Re: IRS Get My Payment up and running

I just wonder if someone on the back end is getting the "errors" and if there's something to do about it... or if those who error out are just stuck with paper checks
by nalor511
Wed Apr 15, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limit slashed for inactvity.
Replies: 27
Views: 1225

Re: Credit card limit slashed for inactvity.

I try to make sure and use each card at least once every year, to avoid any automated "inactivity" sweeps
by nalor511
Wed Apr 15, 2020 1:10 pm
Forum: Personal Investments
Topic: Roth IRA Vanguard Brokerage Account - Help Needed
Replies: 19
Views: 971

Re: Roth IRA Vanguard Brokerage Account - Help Needed

Maybe it’s time to leave vanguard. Otherwise change happens. You won’t become a day trader just because you have a brokerage account at Vanguard. I have a Brokerage account at vanguard for taxable and roth. 401k at Fidelity. Taxable and Roth with ETrade. Variety is good it would be nice if Vanguard...
by nalor511
Wed Apr 15, 2020 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24298

Re: IRS Get My Payment up and running

I neither owed nor received a refund, exact 0 balance... Technical difficulties We apologize for the inconvenience but this service is currently unavailable. Please try again later. If you need additional help, visit our Frequently Asked Questions page. Reference number 109 (for internal use only).