Search found 1101 matches

by spammagnet
Mon May 25, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8473

Re: Investors: be aware of weakness in 2FA + strengthening

Vulcan wrote:
Mon May 25, 2020 2:20 am
And recently, Authenticator app added the export feature.
It gives you a big barcode of all your saved accounts. It won't let you take a screenshot, but you can photograph it with another phone.
Hmm... I may switch back to Google Authenticator.
by spammagnet
Sun May 24, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8473

Re: Investors: be aware of weakness in 2FA + strengthening

sd323232 wrote:
Sun May 24, 2020 12:32 pm
the only solid 2FA is when you use google authenticator. 2FA using a phone is very weak and can be hacked. So be very careful
Google Authenticator doesn't offer backup. Authy does.
by spammagnet
Sat May 23, 2020 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Radiologist here needing help regarding cross-state teleradiology work/taxes
Replies: 21
Views: 1390

Re: Radiologist here needing help regarding cross-state teleradiology work/taxes

No. As a matter of fact often lower. S Corp distributions do not count as employee Comp. Only W2 compensation counts. An LLC electing to be taxed as an S corp may choose to pay its member(s) as a W2 employee(s). https://www.nolo.com/legal-encyclopedia/corporations-vs-llcs-29025.html The OP should c...
by spammagnet
Sat May 23, 2020 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Radiologist here needing help regarding cross-state teleradiology work/taxes
Replies: 21
Views: 1390

Re: Radiologist here needing help regarding cross-state teleradiology work/taxes

As an LLC filing taxes as a corporation and paying yourself a salary as an employee, a significant portion of your salary can be tax-deferred, as long as your taxable salary is reasonable. (I.e., don't evade taxes.) There are some additional expenses and bureaucratic hassles but it may be worthwhil...
by spammagnet
Fri May 22, 2020 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Radiologist here needing help regarding cross-state teleradiology work/taxes
Replies: 21
Views: 1390

Re: Radiologist here needing help regarding cross-state teleradiology work/taxes

As an LLC filing taxes as a corporation and paying yourself a salary as an employee, a significant portion of your salary can be tax-deferred, as long as your taxable salary is reasonable. (I.e., don't evade taxes.) There are some additional expenses and bureaucratic hassles but it may be worthwhile.
by spammagnet
Fri May 22, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

For those looking for an alternative to Quicken, the newly-renamed Microsoft 365 will include Excel templates they describe as intended for use to connect to financial institutions to download transactions. It's not available yet, that I can tell. I report this here as FYI for users seeking an alter...
by spammagnet
Wed May 20, 2020 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

J G Bankerton wrote:
Mon May 18, 2020 2:03 pm
... I'm not using direct connect, I'll have to try that. I avoid direct connect since Wells Fargo tried to charge me for using it. ...
That's determined by the individual bank. For those that do charge there may be ways for you to avoid the fee, such as minimum balances, direct deposits, etc.
by spammagnet
Wed May 20, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1589
Views: 218205

Re: Fidelity as a one stop shop

I recently signed up for autopay creating a new account with a new CC; Fidelity Brokerage investment account with account numbers listed on their website failed to pay ontime...I'm unaware if this is a 'new' thing with them, but very frustrating nonetheless. Was Fidelity pushing the payment? Or the...
by spammagnet
Fri May 15, 2020 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

I believe that to be true, at least in the past.
by spammagnet
Fri May 15, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

I noticed some sites offer two QFX files for downloading, "OFX Financial Data (.OFX)" and "Quicken OFX data (.QFX)". The financial data one opens with Money Dance, that was one of the other products I bought and tried. The only difference between OFX and QFX is that Quicken tweaked the first few li...
by spammagnet
Fri May 15, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

TimeRunner wrote:
Fri May 15, 2020 3:00 pm
michaeljc70 wrote:
Fri May 15, 2020 12:07 pm
How many bugs can there be?
Answer: https://community.quicken.com/categories/
That's a list of bank connection issues, not bugs in the software.
by spammagnet
Tue Apr 28, 2020 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance under COBRA - Will returning to work disqualify me?
Replies: 53
Views: 3053

Re: Insurance under COBRA - Will returning to work disqualify me?

... So, don't use the automated payment setup. Always do it manually. Billing is done on the 10th of the month. I'll set a reminder in Quicken to pay on the 11th. ... For something as crucial as a COBRA premium, may I suggest you not assume being capable of making a payment, for health reasons? If ...
by spammagnet
Sun Apr 19, 2020 4:07 pm
Forum: Personal Investments
Topic: Disappointed with Vanguard service. Better options?
Replies: 66
Views: 5627

Re: Disappointed with Vanguard service. Better options?

I have no experience with Vanguard but consolidated all of my and my wife's various accounts at Fidelity, with which we are very satisifed. We also moved to Fidelity my Mom's revocable trust, for which I and my brother are co-equal trustees. Compared to our IRAs and regular brokerage accounts, movin...
by spammagnet
Thu Apr 16, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Taxes: Should I withhold when taking an IRA distribution?
Replies: 6
Views: 502

Re: Taxes: Should I withhold when taking an IRA distribution?

Silk McCue wrote:
Thu Apr 16, 2020 8:08 am
If you meet safe harbor guidelines without paying quarterly then you have no issue.
Thanks
by spammagnet
Thu Apr 16, 2020 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Taxes: Should I withhold when taking an IRA distribution?
Replies: 6
Views: 502

Re: Taxes: Should I withhold when taking an IRA distribution?

On this topic, is it required to pay quarterly estimates if you'd owe at the end of the year? Or are potential penalities based solely on your total annual liability? I.e., if I owe taxes at the end of the year but am under the various penalty thresholds, is it relevant that I didn't pay quarterly?
by spammagnet
Wed Apr 08, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528452

Re: What are you up YTD? [Year To Date]

As of 3/31:

YTD, -6.4%
1 yr, 1.7%

allocation 32 US/8 Ex-US/60 US Bonds

My allocation has shifted somewhat towards bonds as equities dropped but I haven't rebalanced yet. I'm waiting to see if things stabilize, then determine if I'm outside my 5% point band target.
by spammagnet
Thu Mar 26, 2020 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1589
Views: 218205

Re: Fidelity as a one stop shop

I question on: "Auto Bill Pay your eBill" for credit cards. I don't know if each credit card would be different. Mine is for Citi Double Cash MasterCard. The form gives me one option for "Pay the following amount based on each eBill:" The option is "Current Ammount Due" and there's a checked radio ...
by spammagnet
Tue Mar 17, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Planned to pay off debt, now wondering if liquidity is more important.
Replies: 37
Views: 3221

Re: Planned to pay off debt, now wondering if liquidity is more important.

LifelongDebtor wrote:
Sat Mar 14, 2020 11:15 pm
… All that misery and anxious nights, gone. …
This seems to me to be the most important point. You have some cash, extra cash flow and, apparently, income security. Sleep well, and congratulations.
by spammagnet
Sun Mar 15, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with bonuses this year
Replies: 22
Views: 2123

Re: What to do with bonuses this year

My priorities would be to reduce the mortgage to get rid of PMI, then pay off the car.
by spammagnet
Sun Mar 15, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Planned to pay off debt, now wondering if liquidity is more important.
Replies: 37
Views: 3221

Re: Planned to pay off debt, now wondering if liquidity is more important.

+1 for paying off the credit cards and putting the remainder in an emergency fund until the economy stabilizes. Are your student loans from the government? If so, that provides a little more flexibility in being able to use the income-based payment plan (if I understand it correctly.) Should things ...
by spammagnet
Tue Mar 10, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528452

Re: What are you up YTD? [Year To Date]

What you are up or down is hard to say when you are putting money in or taking money out. ... Longinvest's spreadsheet was designed for that purpose. ... And I would argue is a useless metric unless you were planning to take out all your money today! Unless that information would sway your decision...
by spammagnet
Tue Mar 03, 2020 10:22 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528452

Re: What are you up YTD? [Year To Date]

YTD -1.3%
Feb -2.1%

32% Total Market
8% International
60% US Bonds
by spammagnet
Mon Mar 02, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payments with Fidelity as a one stop shop
Replies: 16
Views: 1108

Re: Mortgage payments with Fidelity as a one stop shop

I use autopay set up at the mortgage-holder to pull from my CMA. As someone else wrote, your account number is printed on your check which most people have no problem sharing. How would you pay the mortgage if you didn't use some kind of electronic payment? I don't have a problem giving my checking ...
by spammagnet
Mon Feb 17, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

Just purchased a Quicken Deluxe one year subscription extension at Sam's Club for $29.88. It comes with a disk but for extension all you have to do is enter the one time activation code into your current installed Quicken Deluxe. I'm not sure when this sale ends. On 2/17 @ 11 PM it was listed as $3...
by spammagnet
Mon Feb 17, 2020 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1589
Views: 218205

Re: Fidelity as a one stop shop

As I've begun to use Fidelity as a "one stop shop" I have become aware of a downside. ... ... I sort of wish I could create a separate user account (different login/password) that truly only had access to my CMA, brokerage (which I use as overdraft), and 2% Cash back Visa. Anyone know if that's pos...
by spammagnet
Thu Jan 30, 2020 12:06 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

CrazyCatLady wrote:
Sat Jan 11, 2020 5:46 pm
I have the problem of collecting points and not using them (seriously - I have over 4 million points across about 10 rewards programs). ...
Consider donating them to charity?
by spammagnet
Sat Jan 04, 2020 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

... I have an old Chase Ink Plus card (no longer offered) and it's up for renewal. I am wondering whether to convert it to the Ink Cash card, which has similar benefits (but in Cash rather than UR), but no fee. ... It's described as a "cash" card but the benefits are provided as UR points. If you w...
by spammagnet
Sun Dec 29, 2019 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 322
Views: 29635

Re: Quicken 2019 and forward

Does anyone get Citi, Chase or Wells Fargo to download with "web connect"? I have Quicken 2017 and have to manually import from those three. I use Direct Connect where supported but have used both "web connect" and (I think it's called) "Express Web Connect" successfully. The former is downloading ...
by spammagnet
Fri Dec 27, 2019 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11403

Re: demented mother's online spending

... Sort of like an elderly person insisting they still get to drive their car when they are clearly a danger to themselves and others . This is what allows family members to rationalize the difficult decision of taking the keys away from a family member. While that family member may have the right...
by spammagnet
Fri Dec 27, 2019 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11403

Re: demented mother's online spending

Well the dad might need the internet, so taking the router out seems overkill. But yes, it sounds like the simplest thing to do would be to ensure that her ipad could not get to the internet and she couldn't log into any other computer in the house. ... With help from a technologically-knowledgeabl...
by spammagnet
Fri Dec 27, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: demented mother's online spending
Replies: 126
Views: 11403

Re: demented mother's online spending

I agree with cancelling the credit cards, but if any of them are in her name alone, it is not clear how you can do that legally without her consent unless someone obtains guardianship. The answer is that you cannot. Not with full power of attorney over financial affairs, even without guardianship, ...
by spammagnet
Fri Dec 27, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 371
Views: 56607

Re: Low-earners- What is your profession?

... OP here with an update: ... I left law enforcement for a well-known company, where I received a big raise. I haven't missed law enforcement one day. I was vested in my pension when I left. Out of curiosity, what industry are you now in, and does the experience that is unique to having been a LE...
by spammagnet
Thu Nov 07, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37446

Re: Turbotax 2019 on Amazon

RickBoglehead wrote Also, apparently Merrill Edge offers $15 off TurboTax, although clicking on the "Learn More" link doesn't really give me any information; it just sends me to what appears to be the default TurboTax site without any mention of the promotion. That's what Fidelity did for me, as we...
by spammagnet
Thu Nov 07, 2019 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37446

Re: Turbotax 2019 on Amazon

Also, apparently Merrill Edge offers $15 off TurboTax, although clicking on the "Learn More" link doesn't really give me any information; it just sends me to what appears to be the default TurboTax site without any mention of the promotion. That's what Fidelity did for me, as well. Perhaps this yea...
by spammagnet
Thu Nov 07, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37446

Re: Turbotax 2019 on Amazon

Per TT Deluxe, ESPP's are handled by simply entering your 1099-B. Since I don't do ESPP's, I can't determine if that's adequate or not. You can start out with deluxe and can always upgrade to Premier from within the software if necessary. The combination of the information above makes it a reasonab...
by spammagnet
Wed Nov 06, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37446

Re: Turbotax 2019 on Amazon

RickBoglehead wrote:
Wed Nov 06, 2019 2:41 pm
There is zero reason to buy anything more than Deluxe for nearly everyone.
ESPPs justify it for me. Could I figure it out on my own? Probably, but it's worth $20 to me to not have to.
by spammagnet
Wed Nov 06, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

... Chase Freedom is also nice part of Chase ecosystem though sometimes the quarterly category stinks (as now). ... I route all recurring bills that will accept it to Paypal. I also pay for online shopping with Paypal when I can. That makes it easy to maximize the 5% quarterly category. For stores,...
by spammagnet
Wed Nov 06, 2019 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1589
Views: 218205

Re: Fidelity as a one stop shop

To make it more obvious the full path is Accounts & Trade > Cash Management > Manage Debit card(s) (button). Although it redirects you to the above URL, I feel more comfortable going from the Fidelity website than typing in a foreign (to me) URL. I share your skepticism about links found online but...
by spammagnet
Fri Nov 01, 2019 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1589
Views: 218205

Re: Fidelity as a one stop shop

arf30 wrote:
Sun Oct 27, 2019 8:05 pm
Looks like there's a new website for managing debit cards off of the cash manager section of the site (fidelitydebitcards.com), I'm able to view ATM and debit limits but not modify them.
The correct site name is fidelitydebitcard.com (singular), not fidelitydebitcards.com (plural).
by spammagnet
Sun Oct 06, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tactics to pay off Mortgage Early??
Replies: 63
Views: 7262

Re: Tactics to pay off Mortgage Early??

The tax benefits of additional 401k tax-deferred contributions may surpass any interest savings gotten from paying off the mortgage early. Yes, you'll have to pay ordinary tax when withdrawn but, if your present marginal tax bracket is higher than what you can forecast it will be in retirement, it's...
by spammagnet
Fri Sep 27, 2019 7:39 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 432
Views: 275248

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

... I did take a major pay cut in 2010 or 2011 (I can't remember exactly which year it was - again, I wish I kept better records) which I only recently surpassed in nominal dollars (and am still slightly below according to CPI) ... Your earnings history at My Social Security (SSA.gov) should provid...
by spammagnet
Fri Sep 20, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

... I use the Southwest Airlines card from Chase solely to get the companion pass and free flights. In the 8 or 9 years we have been "earning" the companion pass ... How have you been earning a companion pass for 8 or 9 years? Restrictions on the frequency with which it will be rewarded would seem ...
by spammagnet
Wed Sep 04, 2019 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 10501

Re: Federal Employee Burn or Sick Leave [before retirement]

Let me understand this right - sick leave accrues and vacation time does not. So you used your vacation time (which would otherwise have expired) in lieu of your sick time which you could hoard and get paid out at retirement. And you are asking OP to be ethical??!! LOL!! Indeed, OPM says: "An emplo...
by spammagnet
Wed Sep 04, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

Ketawa wrote:
Wed Sep 04, 2019 11:15 am
More recent evidence on this is mixed. There are comments/data points in that post and this one that state having those reports frozen was the reason for denial. I was able to get the U.S. Bank Cash+ card without freezing them. ...
Data points are always useful.
by spammagnet
Wed Sep 04, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

ResearchMed wrote:
Wed Sep 04, 2019 10:36 am
Hmmm... I never even heard of these two! ...
Neither had I, and apparently there are others. A user comment on that page refers to a list of other agencies, available on the CFPB web site. I don't think I'm going to invest much effort in research, beyond those two that adversely affect US Bank.
by spammagnet
Wed Sep 04, 2019 10:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897415

Re: What's Your Credit Card Rewards Strategy?

I was recently denied for the 2nd time for the U.S. Bank Altitude Reserve. DoctorOfCredit recommends freezing credit reports at Sagestream LLC and Advanced Resolution Services before applying for US Bank cards. Information from those agencies seems to have adverse results, more often than from othe...
by spammagnet
Wed Sep 04, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 10501

Re: Federal Employee Burn or Sick Leave [before retirement]

I used S/L when I needed, over a long Fed career. That is best advice. One benefit of working for the federal government is you can actually call in sick when you are sick. It took me a bit of time to adjust to that (back in my private sector PTO days they would have to send me home. I would always...
by spammagnet
Mon Sep 02, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528452

Re: What are you up YTD? [Year To Date]

12.2% 40/60 I'm unclear on the distinctions between money-weighted and time-weighted. Are further explanations available somewhere? See if this helps: https://www.bogleheads.org/forum/viewtopic.php?t=141375 Also, some examples here: https://www.bogleheads.org/forum/viewtopic.php?t=248878 best wishe...
by spammagnet
Mon Sep 02, 2019 9:43 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2980
Views: 528452

Re: What are you up YTD? [Year To Date]

12.2% 40/60

I'm unclear on the distinctions between money-weighted and time-weighted. Are further explanations available somewhere?
by spammagnet
Sun Aug 25, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1589
Views: 218205

Re: Fidelity as a one stop shop

Curious to hear how you set this up. Do you set it up for once a month? I guess you can even setup a few so that automatic investments takes place every few days. I think I set it up for once per week, for the approximate amount of regular new cash inflows (basically, paychecks.) Someone here compa...