Search found 144 matches

by ame
Fri Nov 01, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2226

Re: Where can I find iphone deals/discounts?

iPhone 7 will be fine for a year or 2. It will be in the next groups of phones to drop support. 3 years old already being released in Sept 2016. You got the phone cheap. Changing your number seems like an odd requirement. You couldn't port your old number in? I can't believe how much is tied to you...
by ame
Fri Nov 01, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2226

Re: Where can I find iphone deals/discounts?

Carriers Verizon and Sprint Checked on all recommendations. This worked. Paid $55 for an iphone 7. Verizon required me to change my phone number to get the iphone discount. I have to stay with Verizon for 2 years or I'll have to pay the full iphone 7 price. I like the Iphone 7. My only complain is ...
by ame
Sun Oct 20, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2226

Re: Where can I find iphone deals/discounts?

fareastwarriors wrote:
Sun Oct 20, 2019 6:41 pm
Do you have a friend that works at Apple? 😂
LOL. I wish.
by ame
Sun Oct 20, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2959

Re: What documents do I need to prove I own my house?

Summit111 wrote:
Sun Oct 20, 2019 6:40 pm
My home was built on a lot that I paid cash for. I built the home for cash too...Never had any loans or mortgages.

I just have a bill of sale for the land...

Summit
Interesting
by ame
Sun Oct 20, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Where can I find iphone deals/discounts?
Replies: 22
Views: 2226

Where can I find iphone deals/discounts?

My iphone 5s is having some issues, so it may be time to buy a new smartphone.
I’m looking into buying a new (not used) iphone.

Where can I find iphone deals/discounts? I’m looking for deals/discounts that don’t require changing cell companies or adding another line to our family plan.
by ame
Sun Oct 20, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2959

Re: What documents do I need to prove I own my house?

op I have not read other responses but if no one ever mentioned it a UCC-3 is paid off letter from your mortgage lender and that is usually recorded in the local county. A UCC-1 is a record that a mortgage has been filed. You should be able to see both documents in the county's website. here is an ...
by ame
Sun Oct 20, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Promotions and Direct Deposits
Replies: 12
Views: 1528

Re: Bank Promotions and Direct Deposits

Like others here, I also shop around and participate in various bank promotions. However, I have purposefully avoided any that require direct deposits, mainly due to the fact that I don't wish to create any annoyance with my employer by constantly changing things around due to my bank shenanigans. ...
by ame
Sun Oct 20, 2019 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2959

Re: What documents do I need to prove I own my house?

All - Thanks for the advice and for sharing your experiences. OP .... these documents you received need to be filed of record. If you have received originals that show their recent filing with the appropriate local government office, then fine. If not, you need to handle getting these filed with the...
by ame
Sat Oct 19, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2959

Re: What documents do I need to prove I own my house?

RickBoglehead wrote:
Sat Oct 19, 2019 4:26 pm
You should have received the deed when you bought your house. Your bank put a lien on the property for the mortgage, which they have now released.

If you don't have a deed, the county can give you a copy.
Excellent. Thanks RickBoglehead.
by ame
Sat Oct 19, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2959

Re: What documents do I need to prove I own my house?

To whom do you need to prove that you now own your own house? I suppose to nobody and want to keep it that way :happy ...reminded me of the "Did you tell anyone you paid off your mortgage?" post I read (yes I read all the posts). This is the first mortgage I've paid off, so I don't know what docume...
by ame
Sat Oct 19, 2019 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Savings Rate drops to 1.8%
Replies: 42
Views: 5892

Re: Ally Savings Rate drops to 1.8%

anon_investor wrote:
Fri Oct 11, 2019 4:05 pm
Cyanide123 wrote:
Thu Oct 10, 2019 8:51 am
Vio Bank for me is still at 2.42. it did drop from 2.52 to 2.42 with the last rate drop.
Vio Bank just dropped to 2.27%...
Thanks for the heads up. I had moved most of my EM from Ally to Vio Bank.
by ame
Sat Oct 19, 2019 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: What documents do I need to prove I own my house?
Replies: 18
Views: 2959

What documents do I need to prove I own my house?

Hi All, I paid off my mortgage on 9/13/19. I received signed/notarized “SUBSTITUTION OF TRUSTEE” and “FULL RECONVEYANCE” forms. The property is in LA county in California. What are the “SUBSTITUTION OF TRUSTEE” and “FULL RECONVEYANCE” forms? Are these documents the “deed” to my house? What other doc...
by ame
Sat Feb 02, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

“Good through date” refers to the date after which the payoff amount isn’t valid. Mortgage interest is calculated and billed in arrears. If your payoff is good through, say, January 31, then it won’t be accurate on Feb 1 because another month’s interest will have been added. I’m glad the email resp...
by ame
Sat Feb 02, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

My guess is that they just won't let you make such a large principal payment online. I haven't heard of a bank that had a prepayment penalty in decades. Some banks treat large or final payments a little wonky. When I worked for the mortgage servicing arm of a regional bank years ago, we wouldn't al...
by ame
Sun Jan 27, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

Besides large online payment issues, as opposed to, say, wire transfers, it also depends on what your contract says. PJW What does your mortgage document say? I don't remember reading anything on my refi documents about a principal max payment. I just searched my closing documents (I always request...
by ame
Sun Jan 27, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

Trism wrote:
Sun Jan 27, 2019 6:11 pm

When I called to ask why, they said it was "for your protection." :shock:
I had to laugh. God forbid you payoff your debt sooner :D :greedy
by ame
Sun Jan 27, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

Dale_G wrote:
Sun Jan 27, 2019 5:57 pm
In the old days I remember a 20% limit on prepayment per year.

FWIW

Dale
Hi Dale. That is exactly what I was thinking, along with prepayment penalty. I will try to confirm tomorrow. Although, I am feeling better after reading the other posts.
by ame
Sun Jan 27, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 62
Views: 7533

Re: Where do you keep your emergency fund?

Ally savings account 2.2%.
Bank bonuses when they are available...next will be the Citi bank $500 (with DD) bonus...https://www.doctorofcredit.com/citi-400 ... -required/
by ame
Sun Jan 27, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

JPMorgan services my mortgage and they cap online principal-only payments to $10,000. I wanted to pay more, so instead of doing daily $10k payments I chose to write them a check and it processed within a week or so. Same here with Colonial Savings, they capped $10K per day for ACH on incoming loan ...
by ame
Sun Jan 27, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

Sure thing willthrill81. I will try the payments once my lender confirms there is no prepayment penalty. I'm having the exact same problem with my mortgage servicer as I'm looking to pay down principal quickly. But in my case I found it wasn't a percentage cap, but a total dollar cap, aka "maximum o...
by ame
Sun Jan 27, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Re: Mortgage Principal-Only Payment Issue

My guess is that they just won't let you make such a large principal payment online. I haven't heard of a bank that had a prepayment penalty in decades. Some banks treat large or final payments a little wonky. When I worked for the mortgage servicing arm of a regional bank years ago, we wouldn't al...
by ame
Sun Jan 27, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Principal-Only Payment Issue
Replies: 33
Views: 2074

Mortgage Principal-Only Payment Issue

Happy New Year bogleheads! Last night, I attempted to make a $23650 principal only online payment on my mortgage. The message "Additional Principal must not exceed 20% of the current principal balance of 104343.32" was displayed when I clicked "continue" to submit the payment. Any idea why I got the...
by ame
Mon Jan 16, 2017 10:01 pm
Forum: Personal Investments
Topic: 401K Allocation
Replies: 7
Views: 1390

Re: 401K Allocation

Do you have other accounts in addition to this 401k? It is often best to look at all accounts together as a single unified whole, rather than consider each account separately. I edited my original post to include the index funds that are followed by my 401K investment options. Based on my calculati...
by ame
Fri Jan 13, 2017 4:36 pm
Forum: Personal Investments
Topic: Dollar-Cost-Average over HOW MANY years?
Replies: 61
Views: 5627

Re: Dollar-Cost-Average over HOW MANY years?

I guess so. Are you suggesting no dollar-cost averaging and just go all-in right now (1/13/17)? _Mike Some bogleheads claim (I agree) it's about time invested, not timing. I fully funded/invested my 2016 and 2017 Roth IRA on 1/11/17. However, I'm using dollar-cost averaging to fully fund my traditi...
by ame
Fri Jan 13, 2017 4:20 pm
Forum: Personal Investments
Topic: 401K Allocation
Replies: 7
Views: 1390

Re: 401K Allocation

+1 Simple portfolio and good funds for the most part, except for the company stock. Also consider making an investing policy statement and outlining your chosen asset allocation. We can help on AA, but it is ultimately a personal decision. Anywhere from 60-40 to 100-0 would be typical recommendatio...
by ame
Fri Jan 13, 2017 4:03 pm
Forum: Personal Investments
Topic: 401K Allocation
Replies: 7
Views: 1390

Re: 401K Allocation

The whole thing looks pretty good to me. I would get rid of the company stock. As I explained to my wife last night as to why I will immediately sell my RSUs when they vest in a couple weeks, if my company becomes Enron, I lose my job and just to twist the knife, I lose any value in company stock. ...
by ame
Fri Jan 13, 2017 12:10 pm
Forum: Personal Investments
Topic: 401K Allocation
Replies: 7
Views: 1390

401K Allocation

I need help with my 401K allocation. What allocation do you recommend? I have some opinions, but I am interest to know what others recommend. I am 31 years old. Below is my current traditional 401K allocation (recommended last year by the company previously managing my 401K). I canceled the manageme...
by ame
Mon Jan 02, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: $300 CitiBank Bonus - Deadline 1/12/17
Replies: 9
Views: 1954

$300 CitiBank Bonus - Deadline 1/12/17

Happy New Year. Just in case anyone is interested... Citibank is offering a $300 bonus. Deadline 1/12/17. Details at... https://banking.citibank.com/cbol/16/Q4/CheckingRefresh/default.htm?Promo_ID=CZRH&BT_X=1&masterID=&rateSheetId=&_jfp=https%3A%2F%2Fonline.citi.com&BTData=402157F766C61705B544C4ABDB...
by ame
Tue Dec 27, 2016 11:43 pm
Forum: Personal Investments
Topic: Where should I invest my 2016 and 2017 Roth IRA money?
Replies: 4
Views: 1717

Re: Where should I invest my 2016 and 2017 Roth IRA money?

By the way, how do bogleheads determine which retirement account to place investments in? Which investments (ex. international, US, stocks, bonds) should go in my Roth IRA accounts? Which investments (ex. international, US, stocks, bonds) should go in my Traditional 401K account? There is really no...
by ame
Tue Dec 27, 2016 10:59 pm
Forum: Personal Investments
Topic: Where should I invest my 2016 and 2017 Roth IRA money?
Replies: 4
Views: 1717

Re: Where should I invest my 2016 and 2017 Roth IRA money?

Honestly, I would just go for large index fund with low ER. Or post the options on here and we can give your our thoughts! Thanks for the feedback lazylarry Below are the 401K options I see... "Name Asset Class Category (Gross Expense Ratio**) Shareholder Fees Investments you currently own COMPANY ...
by ame
Tue Dec 27, 2016 9:08 pm
Forum: Personal Investments
Topic: Where should I invest my 2016 and 2017 Roth IRA money?
Replies: 4
Views: 1717

Where should I invest my 2016 and 2017 Roth IRA money?

Happy Holidays everyone. Need some advice. Where should I invest my 2016 and 2017 Roth IRA money, if I want to invest the money in US stocks only? I plan to continue investing my Roth IRA money with Vanguard. I was thinking the S&P 500 (should I choose VOO (appears to have the lowest expense ratio (...
by ame
Tue Apr 26, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Opening Credit Cards and Getting Banks to Reverse Service Fees
Replies: 2
Views: 359

Re: Opening Credit Cards and Getting Banks to Reverse Service Fees

I have been using credit cards a long time. I do not recall ever paying a "service fee". It seems like something that should be easy to avoid in the first place. The service fees I mentioned were not from the credit cards. The service fees were for wire-transfers I needed to make when I refinanced ...
by ame
Tue Apr 26, 2016 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Opening Credit Cards and Getting Banks to Reverse Service Fees
Replies: 2
Views: 359

Opening Credit Cards and Getting Banks to Reverse Service Fees

I just wanted to share how I was able to get Chase bank to refund service fees ($35, $30, $20) they had charged me. I have opened three credit cards (Chase Freedom, AARP Chase, and Chase Freedom Unlimited). By the way, the three credit cards have sign up bonuses. Every time I opened a credit card, I...
by ame
Sat Apr 16, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional 401K / Roth IRA and Taxes
Replies: 3
Views: 570

Re: Traditional 401K / Roth IRA and Taxes

Are Traditional 401K and Roth IRA Investment Expenses Tax Deductible? Yes, but only as a Miscellaneous Deduction subject to a 2% AGI floor - and then your total itemized deductions need to be higher than your standard deduction. E.g., see https://www.kitces.com/blog/irs-rules-for-paying-investment-...
by ame
Fri Apr 15, 2016 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Traditional 401K / Roth IRA and Taxes
Replies: 3
Views: 570

Traditional 401K / Roth IRA and Taxes

Hi, Are Traditional 401K and Roth IRA Investment Expenses Tax Deductible? By the way, I logged in to my Roth IRA vanguard account. For 2015 it states, "there currently are no tax forms available." Do we report Roth IRA's in our tax returns? Am I suppose to get a tax form for my 2015 Roth IRA? 2015 w...
by ame
Sun Apr 10, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents be claimed as dependents?
Replies: 7
Views: 1086

Re: Can my parents be claimed as dependents?

ame wrote:
Maybe it's just me, but the turbo tax question was confusing, the turbo tax rep agreed. The turbo tax rep told me the answer is NO (good!), because my parents will file a joint return.
The turbo tax rep agreed the question was confusing.
by ame
Sun Apr 10, 2016 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents be claimed as dependents?
Replies: 7
Views: 1086

Re: Can my parents be claimed as dependents?

Watty wrote:
ame wrote:Am I missing something here?
I didn't see their Social Security mentioned if they are getting that.
Hi Watty. No social security. Only bank interest/w2/unemployment.

Thank you all for your prompt replies.
by ame
Sun Apr 10, 2016 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents be claimed as dependents?
Replies: 7
Views: 1086

Re: Can my parents be claimed as dependents?

If it won't let you skip the "if" question, then I think you answer no. There are probably more strict rules for MFS so they don't try to play the system. From Pub 17: https://www.irs.gov/publications/p17/ch03.html The person cannot be your qualifying child or the qualifying child of any other taxp...
by ame
Sun Apr 10, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents be claimed as dependents?
Replies: 7
Views: 1086

Re: Can my parents be claimed as dependents?

Reference: IRS Publication 17 Did Parent file this return just to get a refund of withheld tax? My parents will not claim a dependent and they do not have education expenses. Not 100% sure I understand what "just to get a refund of withheld tax" means. I answered YES. The IRS withholds tax from you...
by ame
Sun Apr 10, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Can my parents be claimed as dependents?
Replies: 7
Views: 1086

Can my parents be claimed as dependents?

Hi All, My parents (still married to each other) earned, combined $2397, in taxable income (unemployment/money market interest/W2 wages) in 2015. My mom earned the money market interest, and my dad the unemployment/W2 income. I’m helping my sister/parents with their tax preparations. We are using tu...
by ame
Sun Mar 27, 2016 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 15
Views: 4877

Re: Do escrow accounts in California earn interest?

Mortgage of Real Property - California Civil Code Section 2954.8 http://codes.findlaw.com/ca/civil-code/civ-sect-2954-8.html (a) Every financial institution that makes loans upon the security of real property containing only a one- to four-family residence and located in this state or purchases obl...
by ame
Sat Mar 26, 2016 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 15
Views: 4877

Re: Do escrow accounts in California earn interest?

Hi, Do mortgage escrow accounts (for property taxes and insurance) in California earn interest? If possible, please provide a link. Some have stated in this forum that California pays 2% interest on escrow accounts. However, the comments were from past years. Thanks. Yes. I get about $100/year in i...
by ame
Sat Mar 26, 2016 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 15
Views: 4877

Re: Do escrow accounts in California earn interest?

My property taxes are rolled into my mortgage payments in the form of an escrow account. I live in California, in the property I'm describing. I made ~$25 in interest in the escrow account last year. By contrast, I made pennies in interest on a larger balance in my savings account. If you want me t...
by ame
Fri Mar 25, 2016 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 15
Views: 4877

Re: Do escrow accounts in California earn interest?

https://www.google.com/search?q=Do+escrow+accounts+in+California+earn+interest%3F&num=100&pws=0&source=lnt&tbs=qdr:y&sa=X&ved=0ahUKEwi5r-OO1NvLAhVF4D4KHflIBWsQpwUIFQ&biw=1191&bih=1097&dpr=2 None of the references are older than a year. Thanks MRC. I will look through the search results , hopefully ...
by ame
Fri Mar 25, 2016 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Do escrow accounts in California earn interest?
Replies: 15
Views: 4877

Do escrow accounts in California earn interest?

Hi,

Do mortgage escrow accounts (for property taxes and insurance) in California earn interest? If possible, please provide a link. Some have stated in this forum that California pays 2% interest on escrow accounts. However, the comments were from past years.

Thanks.
by ame
Mon Feb 29, 2016 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Do I need turbotax deluxe 2015 or turbotax premier 2015?
Replies: 5
Views: 1726

Re: Do I need turbotax deluxe 2015 or turbotax premier 2015?

I would be careful about using the on line version. As I understand the 2015 Turbo Tax product from a previous thread, the CD and download version of Deluxe offers more functionality than the online version of Deluxe. I bought the CD version of Deluxe this year and it handled the investment forms y...
by ame
Sun Feb 28, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need turbotax deluxe 2015 or turbotax premier 2015?
Replies: 5
Views: 1726

Do I need turbotax deluxe 2015 or turbotax premier 2015?

Hi All, I have used turbotax deluxe in past tax years. I am not sure whether I need to buy turbotax deluxe 2015 or turbotax premier 2015 for the 2015 tax year. I suppose my question revolves around the following two forms (especially item 2) I received. 1) 1095C Employer –Provided Health Insurance O...
by ame
Sun Jan 24, 2016 12:55 am
Forum: Personal Consumer Issues
Topic: Songs you've played the most...
Replies: 70
Views: 11085

Re: Songs you've played the most...

Wow. There are many. Listening to music is one of my favorite things to do. I love music from different decades, but especially from the 60’s and 80’s. Some of the songs I have played quite a bit… When I'm Gone - Albert Hammond Crazy - Patsy Cline Something Stupid - Frank Sinatra Strangers in The Ni...
by ame
Fri Jan 08, 2016 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best No Annual Fees Rewards/Cash-Back Credit Cards
Replies: 87
Views: 19032

Re: Best No Annual Fees Rewards/Cash-Back Credit Cards

With ABP you will discover something that no other payment method offers. What? The money is often removed 1-2 days AFTER the monthly due date. Why? Don't know, but it happens often, and these late payments are never our fault. Search forum for ABP references. Just to be clear, we don't pay (even i...
by ame
Fri Jan 08, 2016 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best No Annual Fees Rewards/Cash-Back Credit Cards
Replies: 87
Views: 19032

Re: Best No Annual Fees Rewards/Cash-Back Credit Cards

In order to diversify credit cards, you might look at the Target debit card, which gives 5% off purchases there, but that also includes gift cards, including Netflix, Amazon, ebay, and other places you probably routinely shop (even Southwest Airlines). I also use it to get T-Mobile refill cards for...