Search found 154 matches

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: 843

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: 710

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: 30812

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.
by nalor511
Wed Dec 27, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4840

Re: How do Bogleheads save on eyeglasses?

I really like EyeBuyDirect because they offer a 2 week exchange/refund no questions asked and a full 1 year warranty on the lens and frames. I broke one after 6 months and they replaced it, no question. No other online shop offers such a good warranty. You can sign up to be notified of their sales ...
by nalor511
Mon Dec 25, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 85
Views: 4840

Re: How do Bogleheads save on eyeglasses?

I really like EyeBuyDirect because they offer a 2 week exchange/refund no questions asked and a full 1 year warranty on the lens and frames. I broke one after 6 months and they replaced it, no question. No other online shop offers such a good warranty. You can sign up to be notified of their sales a...
by nalor511
Sat Nov 18, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum
Replies: 10
Views: 2154

Re: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum

Considering the EWP on these, probably more worthwhile to use the 11 mo no penalty CD at 1.5% from either Ally or CIT. Why risk an early withdrawal penalty for a potential $37 extra taxable interest?
by nalor511
Wed Nov 15, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 38
Views: 2536

Re: Office Chair Recommendations (Aeron?)

Humanscale Freedom Chair can be found on $300 on ebay often. It's the best chair I've ever used. Only 4 adjustments, back panel height, seat pan height, seat pan slide forward/back, and arms up/down. The back reclines with you as you lean back. Excellent.
by nalor511
Tue Nov 14, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance Provider Recommendations
Replies: 6
Views: 670

Re: Umbrella Insurance Provider Recommendations

Statefarm had the lowest rate for a renters policy with 1mm/2mm liability limits. Can't get standalone umbrella at a good price. If you want 2mm you have to call them.
by nalor511
Sat Nov 11, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3831

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

I see the G5 Plus 64GB/4GB is on newegg for $225 as well, with a free Bluetooth speaker. https://www.newegg.com/Product/Product.aspx?Item=N82E16875209506&cm_re=g5_plus-_-75-209-506-_-Product Good point on the updates and security. I am probably oblivious to these, as I am on Android 4.something wit...
by nalor511
Sat Nov 04, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: MF to ETF Conversion [Mutual Fund to Exchange-Traded Fund]
Replies: 10
Views: 647

Re: MF to ETF Conversion

Vanguard's ETFs are not more tax friendly in a taxable account than their mutual funds - the ETF and Mutual Fund are just different share classes of the same funds. They're literally the same thing in a different container. If you're not talking about Vanguard, then maybe.
by nalor511
Sat Oct 28, 2017 4:14 am
Forum: Personal Consumer Issues
Topic: Going to SF, Yosemite and Sacramento and NOW PORTLAND
Replies: 49
Views: 2661

Re: Going to SF, Yosemite and Sacramento and NOW PORTLAND

I don't know where you're planning to be in SF, but be aware that crime is up, even in previously safe areas, at previously safe times of day. http://hoodline.com/2017/10/fidi-north-beach-crime-armed-robberies-pipe-attacker-arrested-more I don't say that to scare you away, but definitely be on your ...
by nalor511
Mon Oct 16, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: 1st United Credit Union 3% 3 year CD
Replies: 5
Views: 1593

Re: 1st United Credit Union 3% 3 year CD

Drat, must not have been paying enough attention, sorry I missed this 3yr/3%!
by nalor511
Fri Oct 06, 2017 2:52 am
Forum: Investing - Help with Personal Investments
Topic: Easier Account Authorization for Spouses/Partners, etc.
Replies: 9
Views: 868

Re: Easier Account Authorization for Spouses/Partners, etc.

Yes, it used to be this easy, but they had changed it to require paper forms and notary. Thank you for the heads up that online option is back!
by nalor511
Wed Oct 04, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: When purchasing a smartphone from T-Mobile
Replies: 6
Views: 677

Re: When purchasing a smartphone from T-Mobile

Tmobile won't price match, but they might give you $50 off if you ask nicely, or if you're adding a line you can get a discount on the promotions page https://www.t-mobile.com/offers/deals-hub
by nalor511
Tue Oct 03, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Where/when to get good deals on athletic shoes
Replies: 24
Views: 1591

Re: Where/when to get good deals on athletic shoes

I don't like buying shoes online, so in-person I like Ross, Marshall's, Burlington Coat Factory, and less so Nordstrom Rack. If you put a keyword alert on Slickdeals, you will be alerted to deals on random sites/brands if you wish. I've done all of the above
by nalor511
Sat Sep 23, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 9312

Re: Age you retired

age 32.5, worked full time for 11 years, part time for 9 years before that, no inheritance or starting capital
by nalor511
Mon Sep 18, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 5859

Re: USPS lost very important certified mail - What next?

Your bank will likely agree to waive stop fees if the check is lost or stolen. Mine does
by nalor511
Tue Sep 12, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 2236

Re: Potential downsides of placing a credit freeze?

I've been frozen since an ID theft incident in 2013, I've unfrozen for a single pull via one time pin anytime I've needed to open a new CC or bank account, probably 8 times in 4 years. Each time it's taken 5 min. Never paid a cent to freeze or unfreeze (single pull). CA
by nalor511
Mon Sep 11, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 698

Re: MC,VISA or AMEX for paying British Pounds

Got it, it's a booking fee, not a conversation fee then. Glad you got it done. Cheers
by nalor511
Mon Sep 11, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 698

Re: MC,VISA or AMEX for paying British Pounds

If your credit card has no 3% fee, and you select the right option in Paypal, there will be no conversion fee. https://www.pointhacks.com.au/how-to-ch ... in-paypal/
by nalor511
Mon Sep 11, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 698

Re: MC,VISA or AMEX for paying British Pounds

Make sure you go into the Paypal settings for the linked card, and set the foreign conversion so that it doesn't charge in USD, but rather the foreign currency directly, that way you get the best rate from your bank/card directly rather than paying Paypal's 3% forex fee. Capital one cards have no fo...
by nalor511
Fri Sep 08, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Freeze Credit for free without police report
Replies: 26
Views: 2730

Re: Freeze Credit for free without police report

Unless they waive the no lawsuit language, I will not sign up. We all can have access to the same with Credit Sesame and Karma. Why waive the right to sue in case some hackers screw up my credit? According to Bloomberg, signing up for credit monitoring might involve agreeing to arbitration After Eq...
by nalor511
Mon Aug 14, 2017 12:08 am
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 3413

Re: Please consider setting a time limit of 15 minutes to edit a post

I like being able to edit posts later, please leave this functionality as it is now.
by nalor511
Wed Aug 02, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Number of withdrawals permitted/personal savings account
Replies: 11
Views: 1267

Re: Number of withdrawals permitted/personal savings account

I would imagine you can get a courtesy refund this once if you ask nicely enough
by nalor511
Sun Jul 30, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 14259

Re: Best place to get eyeglasses / no vision insurance

TIAX wrote:If you have frames and just need to replace lenses, check out ReplaceALens.
Please go check out lensabl if you want replacement lenses. The other site has awful reviews
by nalor511
Wed Jul 19, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 17136

Re: Capital One $400 bonus for new checking account

onyxlinkia wrote:I confirmed that I didn't get the bonus and I had ING account years ago :?
nalor511 wrote:
nalor511 wrote:Anyone who at one time had an ING Orange account receive this bonus?
Bump, anyone?
Doh, I won't bother then
by nalor511
Thu Jul 13, 2017 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 17136

Re: Capital One $400 bonus for new checking account

nalor511 wrote:Anyone who at one time had an ING Orange account receive this bonus?
Bump, anyone?
by nalor511
Sat Jul 08, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 17136

Re: Capital One $400 bonus for new checking account

Anyone who at one time had an ING Orange account receive this bonus?
by nalor511
Fri Jul 07, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Experience getting new credit card with frozen credit
Replies: 14
Views: 1315

Re: Experience getting new credit card with frozen credit

I've never had to unfreeze my credit - the new credit company has always contacted me saying I need to go online and requires a one time pin to let only them check my credit one time, which I've done 4 times now for different issuers, and then the app goes through without a hitch. Credit still frozen.
by nalor511
Tue Jul 04, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18193

Re: Are you finding any good values at Amazon anymore?

camelcamelcamel price watch, you can tell it to ignore 3rd party and only use Amazon.com direct sold items.
by nalor511
Tue Jun 20, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 30812

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Anyone opened a new Ally membership and funded CD all in one swoop (if that's possible)? How long did it take?
by nalor511
Thu Jun 08, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: If I open a new joint account at Vanguard, can both owners access it with their existing logins?
Replies: 9
Views: 1614

Re: If I open a new joint account at Vanguard, can both owners access it with their existing logins?

You can do 'view' access via online form, but if you want edit access to such an account you must do paper form notarized. It used to be online as well but they changed it to notary required.
by nalor511
Wed May 03, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 4134

Re: Great knife for slicing limes and raw potatoes

I hate sharpening knives, and I LOVE, LOVE, LOVE the ceramic knives I got 3 years ago. I have 1 paring knife (smallish) and 1 smallish chef knife. Since I got them, I haven't used any of my other 20 knives. They're still razor sharp. Just don't drop them (they'd shatter/chip) :?
by nalor511
Sun Apr 30, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrela Insurance is it worth?
Replies: 21
Views: 2652

Re: Umbrela Insurance is it worth?

State farm will write 2 mil in personal liability on top of a renters or homeowners policy, but you have to call and ask, can't do it online
by nalor511
Thu Apr 27, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: Phone For Japan?
Replies: 16
Views: 1434

Re: Phone For Japan?

Google Pixel phones are already unlocked
by nalor511
Thu Apr 20, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 45173

Re: Larry Swedroe says "Goodby."

I haven't ever communicated directly with Larry, and I haven't been a member that long, but have read many of his thorough and detailed posts/articles. If you're reading this Larry, I will be very sad to see you go, and want to thank you for all your contributions, which have been immensely helpful ...
by nalor511
Fri Apr 14, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Andrews Federal Credit Union / share certificates in general
Replies: 10
Views: 1571

Re: Andrews Federal Credit Union / share certificates in general

If you are eligible, there are other CUs with 2.75%@5yr w/6mo EWP if you check deposit rates via Google
by nalor511
Sun Apr 09, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: More Zenni Optical Questions
Replies: 13
Views: 2024

Re: More Zenni Optical Questions

I've been way happier with the quality at eyebuydirect than I was with Zenni. EBD also has a 365 day warranty instead of Zenni's 14 day. Prices were the same, better selection at EBD, faster shipping too.
by nalor511
Mon Apr 03, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Please check my AMT understanding
Replies: 9
Views: 1298

Re: Please check my AMT understanding

In my experience, the best way to model these situations, and be able to tweak changes and see results as you wish, is to use tax software (TurboTax, HRblock, etc). You can usually get a good estimate using the previous year's software if the current year isn't out yet. Cheers
by nalor511
Thu Mar 30, 2017 5:48 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 247
Views: 35751

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

Definitely a good point, and a strategy I follow (maximize funds at high rates and long terms with low penalties)
by nalor511
Wed Mar 29, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 247
Views: 35751

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

My Andrews 3 mo 3% just came due, gonna miss short term high rate :)
by nalor511
Tue Mar 28, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter maxed out credit cards, needs help from me
Replies: 92
Views: 6357

Re: Daughter maxed out credit cards, needs help from me

Can any of the items be returned for refund? Most stores 30 days, many more 45-90 days...
by nalor511
Sat Mar 18, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 94
Views: 14259

Re: Best place to get eyeglasses / no vision insurance

Zenni and goggles4u are all very cheap, but zenni only offers 30 days warranty, and you can only get a 50% refund or a 100% one-time exchange, and goggles4u differs depending on the circumstance. My glasses typically take 14-21 days to arrive. Zenni customer support is REALLY slow nowadays, it used ...
by nalor511
Thu Mar 16, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 20736

Re: Sallie Mae Rewards MC being discontinued

I got the new card, but I switched to the BC Rewards for the $100 bonus
by nalor511
Wed Mar 15, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Do many banks "secretly" have private deposit insurance covering excess above $250,000?
Replies: 51
Views: 6740

Re: Do many banks "secretly" have private deposit insurance about $250,000?

Yes I guess the question is not whether they have insurance, but whether the insurance will pay the bank (likely) or the customer (seems unlikely), and whether they will answer in a binding form (almost impossible)
by nalor511
Tue Mar 14, 2017 2:23 am
Forum: Investing - Theory, News & General
Topic: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%
Replies: 60
Views: 7540

Re: The Party is Over: Andrews FCU drops rate on 7-year CD to 2.2%

Sad news, thanks Kevin M for bringing them to everyone's attention in the first place