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sil2017

Please help me decide which cellular shade for my bedroom/computer room. Window is 70 inch wide by 35 inch high I am planning on the single cell 3/4 inch or at least 9/16 inch with cordless function. Would the size of the shades be too heavy for a cordless function to work properly? I would like the...

sil2017

Insurance for just myself
Health Insurance- Kaiser HMO
Co-pay - $15 per visit
Cap payment per year $1500
Vision and dental care- $400 per year

Retired teacher
Annual health payment for 2019 - $7800, $7200 ( 2018)

sil2017

a little confused with all I have read from my google search.
it seems that having dividends would be a "tax drag"
I prefer tax efficiency

thanks all

sil2017

VTI would be the choice I'd make, not only because of the lower expense but also to reduce the hassle of reinvesting the dividends. two votes for VTI so VTI it is. I don't understand about the hassle of reinvesting the dividends ??? I thought it is best to NOT reinvest dividend or capital gains in a...

sil2017

Please help me make a decision. I have money that I don't need anytime soon. No debt and living off my retirement pension. Do not need to dip into my retirement accounts. In my taxable accounts I have: 100k in Schwab Treasury Bills for 6 months. Not sure which high dividend stock to buy so keeping i...

sil2017

Sniper338-
I paid off my Heloc, mortgage, and car loan within the last 2 months. I left the Heloc loan opened with zero dollars. My credit score dropped from 823 to 792. Today I checked and it is at 799. So I guess maybe a dip and now moving upwards..

sil2017

I received an email similar to yours . First time I read it then deleted the email . I received several more from an unknown person with similar subjects which I just deleted.

Person left me alone after a week.

sil2017

Point- Thanks for your suggestion.
I have seen the product you suggested at 24 hour fitness. Never used it b4 but if it help my upper body and core, I will definitely give it try.

sil2017

Yikes...forgot about reading that Sears and bankruptcy. It will take 6 months for the $202 cash back.

Think I will cancel. I have my 24 hour fitness center, bicycle and legs for walking....

sil2017

https://www.sears.com/grid/p-00610586000P?adCell=apiGrid_2_00610586000P Need to register for Myway free membership with Sears before you get the $202 cash dollars back. I exercise quite a bit but need to do some core exercises. Saw the $202 back in Cash Dollar (paid in six installments) for purchasi...

sil2017

Thanks to experts here who answered my question to buying CD , I am now ready to purchase treasury bills instead of having the money idle at no or little interest accounts. I have both taxable accounts at Vanguard and Schwab to purchase treasury bills. I really don't even understand any of the infor...

sil2017

Alphaless- done, have added Printer Klangfool- thanks for link, cancelled the L2395 from Amazon and bought the compatible drum and toner instead Stan1- thanks for the detailed information on the differences. my friend will buy the HL-l2390DW . I have NO idea what dropbox, Evernote is and neither doe...

sil2017

I have an old brother hl2140 for many years . Just love it but need to purchase a drum kit and toner for about $150. I decided to buy a new brother printer instead. Unfortunately I failed to purchase the Brother HL L2395DW last night and now it is no longer $99 but $120. The Brother HL L2390DW is on...

sil2017

Im in CA. Don't really know what I pay in state tax but taking standard deduction for tax year 2018. Is 52 week treasuries the same as CD? You buy for a certain amount of time and get the APY if you let it mature. For one year CD, I am seeing APY of 2.3, 2.35, 2.352 , 2.4 and 2.45. For 6 months CD, ...

sil2017

I have 100k in Schwab value advantage money fund I bought several days ago but would like to use the money to buy a one year CD (new issue) at their one source marketplace. For the same one year new issue CD there are different CD APY rates. Wouldn't someone buy the highest APY rate? Why so many dif...

sil2017

thanks MichCPA, Magicrat, and PFinterest for your suggestion:

Would this be the symbol "VTI" for Vanguard total stock Market ETF? Is this the same as the Vanguard Total Stock Market fund except it it ETF.

What could I do with my 90k in Schwab? what is the ETF symbol?

sil2017

never thought of it
thought I try something different so would like to purchase ETF

sil2017

I have 40k in my taxable Vanguard brokerage account. Don't need the money anytime soon nor investing for any goals such as house, retirement, travel etc. I like to have some dividend . Which of the above Vanguard ETF would be good? If not, would you be able to recommend any other ETF. This will be m...

sil2017

Day trading based on information learned from webinars and free publications on what to buy and sell . He constantly buys and sells each day and holds anywhere from 10 to 30 stocks

sil2017

Paid of Heloc and Auto loan with 2 checks.

Thanks for the advice.

First thought would be ACH as it takes less time and can be done at home.

I am totally debt free.

I feel so relief!!!

sil2017

Thank you HueyLD-

I have 2 copies of the form but I must have missed the "when and where to file " section. Only paid attention to how to fill the form.

P.S. love Donald Duck and friends

sil2017

Thanks Silk McCue and Vineviz.

I just cancelled the outgoing 5k transfer from my credit union to B of A.

I will go to the credit union to write 2 checks for my loans

Thanks all for reading my questions.

My "goto" website for all my needs except for shopping

sil2017

Update on wiring:

Vancouver currency exchange had the best rate for large conversion and wiring fee was waived. Spot rate given.

Transferwise, Charles Schwab and all other banks I contacted charged more for the conversion than Vancouver Currency Exchange.

sil2017

I received a wire from my relative for about 150k into my Bank yesterday. With the extra money, I would like to pay off my heloc and auto loan (total of 20k). Today, I ACH 5k (maximum) to my credit union to pay off part of the HELOC. Is it better to just go to my Credit Union and pay off both auto l...

sil2017

Not at all. It seems weird that I don't have to do online payment for my mortgage. Extra spending money for a bathroom remodel and travel.

sil2017

My brother has a HSBC premier account . He suggested I open a HSBC account in the US so he can wire the money . Problem is the high fee to convert the CDN to USD b4 it can be deposited in my HSBC account. Thanks for the information about IB . I’ll leave bitcoin alone as I’m not tech savvy at all. Th...

sil2017

I bought Ripcord insurance for my Mt. Kilimanjaro and Safari trip in January 2018.

Other than the risk of problems with the altitude and trek, , I have never bought any medical evacuation insurance for any other travel.

sil2017

First off, thanks everyone for the suggestion on how to transfer a large amount of Canadian funds (about 200k ) to my Charles Schwab account. Unfortunately, my brother and I will need different options for him to wire Canadian funds from a Canadian bank to my US account. I opened a Schwab global and...

sil2017

Thank you for your help.

I have read the IRS 3520 form many times. Just hope turbotax can help out next year.

sil2017

After paying off my mortgage, my credit score lowered by 25 points.

sil2017

I have opened a Global Schwab account which can hold Canadian Funds without converting to USD (unless I want to with .75 basis fee) I am not sure if I will leave the amount in Canadian, convert it to USD or purchase stock from the Toronto Exchange ( than journaling into the NYSE equivalency- Example...

sil2017

Thanks Riverguy for your response. I paid for the download of the Trust deed document thinking that the mortgage company misspelled my first name. But it was correct on both the Trust deed and Full reconveyance. I called the County Clerk and gave her the document number and told her about the additi...

sil2017

Oh, gosh another headache and so many hours spent on the phone. I am hoping that someone here can help me out again. :happy I have a copy of a full reconveyance for a mortgage recorded in March 2003. The document reference number FROM the full reonveyance for the grantor on the Trust Deed (recorded ...

sil2017

I have had Movie pass for almost half a year. I rarely use it even though I have 2 theaters near me. With the plan of increasing popular movies, I am planning on canceling the subscription on my movie pass at the end of the month. I can go to an AMC theatre near me for $5 on Tuesday. Since I am reti...

sil2017

I tip on food total. It is usually 20 to 25 % at my favorite restaurants. Restaurants I infrequent would be 20% and 10% for self serve where you order at the register and food is brought to you.

sil2017

My alarm clock (mini dachshunds) wakes me up about 4 A.M or so every day. Though sometimes tired this early in the morning, by 6:30 A.M, I have had 2 cups of coffee, read my favorite blogs ( #1 is bogleheads ) fed my dogs and exercised.

When employed, I woke up at 6 AM

sil2017

All I received was a letter of satisfaction from B of A stating the above referenced loan is paid in full as of XXX. Reference as in my account number and property address. No stamp or signature on letter but a typed letter head from B of A. I called today and I was told I will be mailed a COPY of b...

sil2017

I have asked for help in trying to transfer CDN to USD. Mostly everyone I know including the bogleheads suggested transfer wise for the best exchange. Today, I called Charles Schwab twice and was told that the wiring can be done from a Canadian bank to Schwab. No fees for anything and the exchange r...

sil2017

I’ve heard that this can be a problem that can be time consuming to fix in two different circumstances: 1) When applying for social security / Medicare if your names don’t match up 2) For flying, especially internationally, if the name on your photo ID (e.g. drivers license) doesn’t exactly match t...

sil2017

Thanks. Checked my birth certificate and no hyphen middle name. Checked my Citizenship paper and no hyphen middle name. However, my passport shows a hyphen.

Reason I think I added a hyphen is that people may make a mistake and combine the "Jen-day" together.

Thanks all

sil2017

Mortgage trust deeds/ Reconveyance (some with hyphens and some without), Passport (hyphen middle name) Bank accounts ( no hyphen middle name, Drivers license (first and last name only) credit report agencies all seem to have my middle name sometimes with the hyphen, sometimes no hyphen . Does this m...

sil2017

thank you Grt2boutdoors

sil2017

I received the pay off amount letter from B of A. It includes the County recording fee and re-conveyance fee. I was told I don't need to wire or send a certified letter for the payoff amount as I am a B of A customer who pays my mortgage online monthly . All I need to do is call the pay off mortgage...

sil2017

delete

sil2017

Once and 200k CDN

sil2017

Transfermate from CDN to USD gives a better amount than TransferWise. Anyone ever use transfermate before? Are they reputable? It seems like the transferring works the same way where the money is first wired to either TransferWise or transfermate and then the agent convert the funds and transfer int...

sil2017

alohajoe-

I have a vanguard account in the USA. Can my parent purchase vanguard funds for herself then transfer to my account?

Or could she just purchase the fund for my account in the USA?

I like to keep it as simple as possible and only file once with IRS then to file every year.

sil2017

It seems like using TransferWise to transfer money from CDN to USD into my bank would be the best option . However is it possible for my parent to purchase vanguard funds in Canadian funds and gift it to me ? For example instead of wiring 200k CDN money , 200k vanguard funds in CDN will be bought in...

sil2017

Irs 3520 form . Does the giver have to sign form or just the receiver

sil2017

The reason I want to hold CDN dollars is in case I move back to Canada for several years . The other reason would be to wait for a better exchange rate . If I open bank in Canada do I use my address or a Canadian address? I believe HSBS has banks in Canada and USA . Perhaps I can open bank in USA an...

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