Search found 94 matches

by LSLover
Mon Oct 22, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 29
Views: 1749

Re: Do I need laptop software?

If you use Quicken you need Windows laptop. At least for now...
by LSLover
Sun Oct 21, 2018 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I'm funding the Ally promotion by mobile check deposit. If you deposit the check on Friday, you gain 3 days of double interest (Fri, Sat, Sun). The check will only clear the debiting bank (in my case Vanguard) on Monday. It doesn’t work that way as interest will be accrued starting the next busines...
by LSLover
Sun Oct 21, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

...in my experience pulling is always the preferred option in any ACH transfer between two financial institutions. Is this just due to "motivation?" In other words, the bank doing the pulling is gaining something and wants it to complete ASAP, while pushing from the losing bank carries with it no m...
by LSLover
Sun Oct 21, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I don't think there is clarity in the new money being pushed in, as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have registere...
by LSLover
Sun Oct 21, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I don't think there is clarity in the new money being pushed in, as in transferred in by Vanguard, vs. being pulled in as in transferred in from Vanguard. I don't allow institutions to pull from my investment accounts so my transfer will have to be a push .. which means even though I have registere...
by LSLover
Fri Oct 19, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

The most popular bank on Bogleheads (Ally Bank) is offering 1% extra cash back on any "new" money added before 10/31. You are able to receive up to $1,000 back ($100k deposit). This is also combined with their 1.9% APY. Funds must remain in account until 1/15/19. Cash back bonus deposited by 2/15. ...
by LSLover
Thu Oct 18, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I guess either I'm missing something, or people aren't playing with a full deck. If the only account you open with Ally is a CD, and you then close the CD before the bonus is paid, and leave no open account with Ally, you won't get a dime. Says so right in the terms: Cash Bonus – Eligible customers...
by LSLover
Thu Oct 18, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Assume you put $100K into an 11-month no-penalty CD at 2.1% APY on 11/1/2018, and remove it on 1/15/2019 . Kevin Kevin, are you actually planning on closing the CD right after the cutoff (and transferring the $ back to your B&M bank)? I am "a little" concerned that if the CD account no longer exist...
by LSLover
Wed Oct 17, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Does a push from Vanguard to Ally qualify for this bonus once you register your email? Vanguard does not show up while setting up external accounts thru Ally. Yes, you can send from Vanguard to Ally, assuming you have setup your Ally on Vanguard to send to. No, you cannot pull from Vanguard to Ally...
by LSLover
Tue Oct 16, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

OP here.

Has anyone tried to fund the new account during the opening process (via ACH) with the funds from the account owned by a spouse (your name is not on the funding source)?
by LSLover
Mon Oct 15, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 313
Views: 24625

Ally Banking 1% extra back up to $1,000 on new money deposited

The most popular bank on Bogleheads (Ally Bank) is offering 1% extra cash back on any "new" money added before 10/31. You are able to receive up to $1,000 back ($100k deposit). This is also combined with their 1.9% APY. Funds must remain in account until 1/15/19. Cash back bonus deposited by 2/15. h...
by LSLover
Sun Oct 14, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 81
Views: 10126

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Assuming that from day 1 to the last working day the annual salary of a professional is more than the social security wage base what is the minimum number of years...
by LSLover
Wed Oct 10, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 807

Project FI promotion

Project FI started a new $799 service credit promotion on the purchase of two Pixel 3 and/or 3XL. Considering their low plan pricing, the promo looks very interesting. https://fi.google.com/about/phones/ Those who have experience with Project FI, do you like the service? How would you compare it to ...
by LSLover
Fri Sep 21, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5296

Re: Delaying SS? How Long It Will Take for It to Pay Off?

https://www.fool.com/amp/retirement/2018/09/16/delaying-social-security-benefits-heres-how-long-i.aspx This article seems to contradict most of the break-even calculators I have seen before including those discussed on this forum. For instance, the article states that for those with FRA of 67, dela...
by LSLover
Thu Sep 20, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8766

Re: Physical Banking - Any benefits anymore?

As an alternative to a bank notary, most UPS Stores offer notary services...
by LSLover
Mon Sep 17, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5296

Re: Delaying SS? How Long It Will Take for It to Pay Off?

My numbers ignoring inflation/COLA increases: Age 62 to age 70: $198,144 Age 62 to age 80: $445,824 Age 70 to age 80: $435,240 The crossover is indeed a bit over age 80. 80.5 looks about right. I've never bothered to model the return on that $198,144. If you assume an after-inflation, after-tax 3% ...
by LSLover
Sun Sep 16, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying SS? How Long It Will Take for It to Pay Off?
Replies: 53
Views: 5296

Delaying SS? How Long It Will Take for It to Pay Off?

https://www.fool.com/amp/retirement/2018/09/16/delaying-social-security-benefits-heres-how-long-i.aspx This article seems to contradict most of the break-even calculators I have seen before including those discussed on this forum. For instance, the article states that for those with FRA of 67, dela...
by LSLover
Sun Aug 26, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4276

Re: Shingrix

Per the manufacturer and our local pharmacies, it is supposedly easier to find the second shot now or will be shortly Just had my 2nd shot :) Are the two shots identical stuff? I asked that very question when my 2nd shot was administered and was told affirmatively. For some reason, however, I had m...
by LSLover
Wed Jul 25, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: I want to sell my home, but I don't want to fix it up
Replies: 72
Views: 8296

Re: I want to sell my home, but I don't want to fix it up

There are companies that buy houses as is. You don’t pay commission as there is no agent involved. I would try them just to see what they offer...
by LSLover
Wed Jul 04, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4265

Re: Anyone Tried Youtube TV Yet?

I am trying to estimate my expenses associated with YouTube TV. So, it is $40 per month. Are there any additional taxes or fees? I assume taxes and fees are dependent on the locality but would appreciate the ballpark number just to get an idea. Also, if I understand the setup correctly, all I would ...
by LSLover
Thu Jun 28, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning
Replies: 15
Views: 2050

Re: Estate Planning

Yes, in the situation where my wife and I die simultaneously or in close proximity, our son would get everything but we had our attorney write the the document so that the assets are doled out over a period of years. When you update your planning, you may want to leave his inheritance to him in a t...
by LSLover
Wed Jun 13, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32642

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Would you be willing to share the spreadsheet you have set up? Sure. It's a Google Sheet, and here's the link to a view-only version: https://docs.google.com/spreadsheets/d/1xYVmM-a1POETySkBTtr25Ezd8_3MzKo43G_xv-CmwG8/edit?usp=sharing. With your Google account, you can make a copy to get an editabl...
by LSLover
Wed Jun 13, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 245
Views: 32642

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Why is there so much fluctuation in muni money market yields? Is it just a quick of how Vanguard reports the yield, or should we actually be moving money back and forth to exploit this? It's not a quirk in how Vanguard reports yield. I've verified it directly by calculating the yield based on the c...
by LSLover
Tue May 29, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5673

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

In most states the seller signs a listing contract that identifies the selling and buying agent's commission. The seller pays the commissions out of the proceeds of the sale (yes the buyer's agent actually works for the seller not for the buyer). If that's the practice in your state you'd have to c...
by LSLover
Tue May 22, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 81
Views: 10126

Re: Downloadable Social Security Benefit Estimator (repost)

rbrand1 wrote:
Tue May 22, 2018 8:18 pm
I can't seem to get the downloadable version, which I uploaded into Google Sheets, to work. Has anybody else? :oops:

Thanks!
Yeah, it doesn't seem to work in Google Sheets...
by LSLover
Thu May 03, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Commissions - How Negotiable?
Replies: 31
Views: 2296

Re: Real Estate Commissions - How Negotiable?

FWIW, in my area of the country it is pretty common to split 50/50 with your agent his commission when buying.
by LSLover
Mon Apr 30, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: 6 month T-bills are at 1.99%
Replies: 55
Views: 5952

Re: 6 month T-bills are at 1.99%

The 6-month Treasury auctioned at about the same yield a few weeks ago--maybe at bit more than a month ago. I bought a small quantity then. Then it dropped, now it has come back. Fidelity yield summary page shows 6-month yield at 2.01%, so close enough--let's call it 2%. Prime money market yield is...
by LSLover
Sun Apr 01, 2018 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Accounts
Replies: 34
Views: 3446

Re: Money Market Accounts

VanguardAdvantage has no minimum for checkwriting. https://www.google.com/url?sa=t&source=web&rct=j&url=https://personal.vanguard.com/pdf/s335.pdf%3F2210092750&ved=2ahUKEwjj1vSd6pnaAhXBmOAKHX_VAzkQFjABegQIBhAB&usg=AOvVaw25EekoD_zW_fqbHuM7U0-N Last I checked (and it has been +1 year) that was only a...
by LSLover
Sun Apr 01, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market Accounts
Replies: 34
Views: 3446

Re: Money Market Accounts

Thank you for your reply. I'm not concerned about being able to write checks. I'm just looking for a safe place to hold a good chunk of my emergency fund with better rates than a savings account. As long as I have the ability to transfer back and forth between the MM and my other accounts periodica...
by LSLover
Tue Mar 13, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6727

Re: Huge special assessment on Condo?

I've served on my condo board (68 units)for a number of years. 1M for an 88 unit property is a really nice reserve, of course I don't know the value or size of the condos. Our current board took over after the last board ran our reserve to zero, and had to do a 300k special assessment. It has been ...
by LSLover
Mon Mar 12, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6727

Re: Huge special assessment on Condo?

Also, I'm concerned that since about 40% units are being rented out... Run, don't walk away from this. 40% rented units is a recipe for disaster. This is the problem we're having in my 15 unit condo building. I'm HOA president, purely because nobody else would do it. When we purchased in Dec 2015, ...
by LSLover
Mon Mar 12, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6727

Re: Huge special assessment on Condo?

i've been looking at condos if i can find one that is walking distance to the downtown square where the restaurants/entertainment are located. both of the new/newish properties i've looked at have a 10% maximum limit on rentals. having seen the condo where my mom lived go from primarily owner to pr...
by LSLover
Sun Mar 11, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Huge special assessment on Condo?
Replies: 60
Views: 6727

Re: Huge special assessment on Condo?

I did a quick calculation about what this might be for my unit if it is split up in the same ratio of the monthly HOA fees. That would make it about 60K. Is that how it usually works? Almost certainly the assessment will be divided up percentage wise like HOA fees, i.e. you pay more if you have a l...
by LSLover
Sat Feb 24, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 26730

Re: TurboTax Prices

Turbo Tax Premier is $69 @ Amazon now. Right, and it's been pretty stable since end of November, except for one day (Dec 7) where it dropped to $54.86... for about four hours. I did get the camelcamelcamel notification that day, but by the time I got around to buying it the price had already been c...
by LSLover
Sun Feb 04, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 13628

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

There is essentially zero chance that Quicken will allow this. I have created two accounts and received confirmation numbers that are hundreds apart from each other in about 3 minutes. That suggests that people are creating thousands of accounts per hour and may result in serious loss of revenue to ...
by LSLover
Mon Jan 22, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5838

Re: Pros and Cons of High Rise Condos for retired couple

Has anyone lived in a condo with valet as the only parking option? How did you like it?
by LSLover
Wed Jan 17, 2018 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Money Market Fund
Replies: 12
Views: 1134

Re: Muni Money Market Fund

I just bought some of the Vanguard analog (VMSXX) within the past month. VG's default MM settlement fund has gotten better, interest-rate-wise, but still a clear difference at our marginal rate (for a near 1.9% taxable-equivalent rate, if memory serves). It's not zero risk, but very low, imo. VMSXX...
by LSLover
Wed Jan 17, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 29947

Re: Do you have an umbrella policy?

The probabilities are much higher than that. About 0.03% of umbrella policies make a claim every year, and the average loss is about $500,000. If you drive from age 20 to age 80, then your lifetime risk of making an umbrella claim is about 2.1%. (85% of the umbrella premium goes to pay for excess a...
by LSLover
Wed Jan 10, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 27410

Re: Muni Money Market funds starting to look good!

After going as high as 1.4% a few days ago, the Vanguard NY Muni Money Market has a SEC yield of 1.22% today. So the predictions of an end of year run up and a January fall off appear to be on target. The highest marginal rate for a New Yorker with the new tax plan is 37% (Fed) + 8.82% (NY State) +...
by LSLover
Sat Jan 06, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 37281

Re: Synchrony Bank 12 month 2% CD

OneWorld111 wrote:
Fri Jan 05, 2018 7:33 pm
Anyone tried Synchrony bank 2% 12 month CD?

Regards,
HNY
I did. Opened two CDs online without any issues in 5 min total. I have a savings account with Synchrony and funded the CDs thru this account.
by LSLover
Fri Jan 05, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: Synchrony bank 12 month CD @ 2%
Replies: 8
Views: 1527

Re: Synchrony bank 12 month CD @ 2%

Just saw it this morning - Synchrony bank has 12 month CDs paying 2% :D Their FAQ states that the early withdrawal penalty is applied to the principal. I can see giving back some interest, but, is it true that I could wind up with less than I deposited when I opened the CD? According to the Synchro...
by LSLover
Tue Jan 02, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 3178

Re: Who should we appoint as executor?

Bruce,

What would be your recommendation for a book?
by LSLover
Mon Jan 01, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Advice needed for paypal transaction
Replies: 14
Views: 1247

Re: Advice needed for paypal transaction

I had very similar experience a few years ago. While some real money was deposited to my PayPal account, the buyer was questionable. The amount was also in excess of what was due. The buyer likely used fraudulent credit card with the English sounding name and asked after the payment was made that th...
by LSLover
Sat Dec 30, 2017 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Stopped Check 2018 Property Tax - Etiquette to County?
Replies: 38
Views: 3805

Re: Stopped Check 2018 Property Tax - Etiquette to County?

mikep wrote:
Sat Dec 30, 2017 9:39 am
I would try to stop it. Next year, you may be able to deduct it on state taxes anyway. For me 9.3% of 15K >> $35.
How do you deduct $15K in property taxes if combined limit on property plus state income tax is $10K?
by LSLover
Fri Dec 29, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Stopped Check 2018 Property Tax - Etiquette to County?
Replies: 38
Views: 3805

Re: Stopped Check 2018 Property Tax - Etiquette to County?

arsenalfan wrote:
Fri Dec 29, 2017 7:06 am
Ok just called the county: $35 bounce check fee is all. Boo. They said just let it ride.

Hefty lol.
Can you tell us what county is that?
by LSLover
Sun Dec 24, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: IRS acceptance of Intuit’s Its Deductible for Charity Valuations
Replies: 7
Views: 1494

IRS acceptance of Intuit’s Its Deductible for Charity Valuations

I have been using the Intuit’s It’s Deductible to catalog and value my charity donations ever since it was first offered as a stand alone sidekick-type add-on to TurboTax. However, I have not seen any comments on the IRS acceptance of the tool at the audits. Has anyone who used Its Deductible been a...
by LSLover
Sat Dec 23, 2017 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for month of the year to retire
Replies: 33
Views: 2918

Re: Strategy for month of the year to retire

Great question. I’m not retired, but my plan will likely be to retire around July. Why? - It gives me a chance to fully fund and match my 401k - Fully find HSA for one more year - Fully fund Roth IRA for one more year - It gets past the bonus payout period (April) - It gets past 1,000 hours for ano...
by LSLover
Wed Dec 20, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 40223

Re: Fidelity free Turbotax

Does anyone know if the e-files are limited to five per each computer or per download/copy of the software?