Search found 243 matches

by sil2017
Sun Oct 28, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: levolor , select blinds or bali cellular shades?
Replies: 8
Views: 886

levolor , select blinds or bali cellular shades?

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...
by sil2017
Mon Oct 08, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 10081

Re: What is your annual cost for health insurance?

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)
by sil2017
Fri Sep 07, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Which ETF in taxable? VIG, VYM or VTI
Replies: 13
Views: 1235

Re: Which ETF in taxable? VIG, VYM or VTI

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
by sil2017
Fri Sep 07, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Which ETF in taxable? VIG, VYM or VTI
Replies: 13
Views: 1235

Re: Which ETF in taxable? VIG, VYM or VTI

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...
by sil2017
Fri Sep 07, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Which ETF in taxable? VIG, VYM or VTI
Replies: 13
Views: 1235

Which ETF in taxable? VIG, VYM or VTI

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...
by sil2017
Fri Sep 07, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score [What changes your credit score?]
Replies: 42
Views: 3566

Re: Credit Score [What changes your credit score?]

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..
by sil2017
Wed Sep 05, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 6032

Re: Elderly (innocent) relative received this horrible email

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.
by sil2017
Mon Sep 03, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Maxiclimber vertical climber-$200 purchase, $202 back
Replies: 4
Views: 704

Re: Maxiclimber vertical climber-$200 purchase, $202 back

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.
by sil2017
Mon Sep 03, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Maxiclimber vertical climber-$200 purchase, $202 back
Replies: 4
Views: 704

Re: Maxiclimber vertical climber-$200 purchase, $202 back

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....
by sil2017
Mon Sep 03, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Maxiclimber vertical climber-$200 purchase, $202 back
Replies: 4
Views: 704

Maxiclimber vertical climber-$200 purchase, $202 back

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...
by sil2017
Mon Aug 27, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Treasury bills YTM
Replies: 5
Views: 475

Treasury bills YTM

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...
by sil2017
Sun Aug 26, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Printer :Brother HL L2395DW versus Brother HL L2390DW
Replies: 7
Views: 913

Re: Printer :Brother HL L2395DW versus Brother HL L2390DW

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...
by sil2017
Sun Aug 26, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Printer :Brother HL L2395DW versus Brother HL L2390DW
Replies: 7
Views: 913

Printer :Brother HL L2395DW versus Brother HL L2390DW

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...
by sil2017
Wed Aug 22, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: Schwab new issues CD prices
Replies: 3
Views: 838

Re: Schwab new issues CD prices

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, ...
by sil2017
Wed Aug 22, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: Schwab new issues CD prices
Replies: 3
Views: 838

Schwab new issues CD prices

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...
by sil2017
Mon Aug 20, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend appreciation or high dividend yield ETF
Replies: 7
Views: 472

Re: Vanguard Dividend appreciation or high dividend yield ETF

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?
by sil2017
Mon Aug 20, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend appreciation or high dividend yield ETF
Replies: 7
Views: 472

Re: Vanguard Dividend appreciation or high dividend yield ETF

never thought of it
thought I try something different so would like to purchase ETF
by sil2017
Mon Aug 20, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend appreciation or high dividend yield ETF
Replies: 7
Views: 472

Vanguard Dividend appreciation or high dividend yield ETF

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...
by sil2017
Thu Aug 09, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a friend/family who you think is making a financial mistake?
Replies: 7
Views: 864

Re: Do you have a friend/family who you think is making a financial mistake?

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
by sil2017
Wed Aug 08, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: less suspicious activity- check or ACH transfer
Replies: 10
Views: 1122

Re: less suspicious activity- check or ACH transfer

:sharebeer :sharebeer 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!!!
by sil2017
Wed Aug 08, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: less suspicious activity- check or ACH transfer
Replies: 10
Views: 1122

Re: less suspicious activity- check or ACH transfer

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
by sil2017
Wed Aug 08, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: less suspicious activity- check or ACH transfer
Replies: 10
Views: 1122

Re: less suspicious activity- check or ACH transfer

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 :happy
by sil2017
Wed Aug 08, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Other options for CDN to be wired to US account
Replies: 5
Views: 606

Re: Other options for CDN to be wired to US account

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.
by sil2017
Wed Aug 08, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: less suspicious activity- check or ACH transfer
Replies: 10
Views: 1122

less suspicious activity- check or ACH transfer

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...
by sil2017
Tue Aug 07, 2018 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 114717

Re: Anyone regret paying off mortgage early?

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.
by sil2017
Sun Aug 05, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Other options for CDN to be wired to US account
Replies: 5
Views: 606

Re: Other options for CDN to be wired to US account

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...
by sil2017
Sun Aug 05, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 176
Views: 10314

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

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.
by sil2017
Sun Aug 05, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Other options for CDN to be wired to US account
Replies: 5
Views: 606

Other options for CDN to be wired to US account

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...
by sil2017
Thu Jul 26, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: reporting Gifted money on IRS 3520 form
Replies: 2
Views: 377

Re: reporting Gifted money on IRS 3520 form

Thank you for your help.

I have read the IRS 3520 form many times. Just hope turbotax can help out next year.
by sil2017
Thu Jul 26, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Debt free -- impact on credit score
Replies: 16
Views: 1580

Re: Debt free -- impact on credit score

After paying off my mortgage, my credit score lowered by 25 points.
by sil2017
Thu Jul 26, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: reporting Gifted money on IRS 3520 form
Replies: 2
Views: 377

reporting Gifted money on IRS 3520 form

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...
by sil2017
Mon Jul 09, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Trust deed has extra letter in my first name but full conveyance name spelled accurately
Replies: 2
Views: 375

Re: Trust deed has extra letter in my first name but full conveyance name spelled accurately

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...
by sil2017
Mon Jul 09, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Trust deed has extra letter in my first name but full conveyance name spelled accurately
Replies: 2
Views: 375

Trust deed has extra letter in my first name but full conveyance name spelled accurately

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 ...
by sil2017
Sat Jul 07, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 370
Views: 50326

Re: MoviePass-Too good to be true, but it's legit.

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...
by sil2017
Sat Jul 07, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6027

Re: How to tip

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.
by sil2017
Sat Jul 07, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 160
Views: 13010

Re: What time do you get up in the morning?

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
by sil2017
Fri Jul 06, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America Mortgage pay off
Replies: 6
Views: 1435

Re: Bank of America Mortgage pay off

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...
by sil2017
Thu Jul 05, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab better than Transferwise?
Replies: 2
Views: 524

Charles Schwab better than Transferwise?

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...
by sil2017
Wed Jul 04, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1181

Re: legal document with hyphen/non hyphen middle name

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...
by sil2017
Wed Jul 04, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1181

Re: legal document with hyphen/non hyphen middle name

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
by sil2017
Tue Jul 03, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: legal document with hyphen/non hyphen middle name
Replies: 11
Views: 1181

legal document with hyphen/non hyphen middle name

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...
by sil2017
Thu Jun 28, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Mortgage pay off
Replies: 6
Views: 1435

Re: Bank of America Mortgage pay off

thank you Grt2boutdoors
by sil2017
Thu Jun 28, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America Mortgage pay off
Replies: 6
Views: 1435

Bank of America Mortgage pay off

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...
by sil2017
Thu Jun 14, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: TransferWise versus transfermate
Replies: 3
Views: 514

Re: TransferWise versus transfermate

Once and 200k CDN
by sil2017
Thu Jun 14, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: TransferWise versus transfermate
Replies: 3
Views: 514

TransferWise versus transfermate

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...
by sil2017
Thu Jun 14, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2642

Re: best way to receive large sum of money from another country

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.
by sil2017
Thu Jun 14, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2642

Re: best way to receive large sum of money from another country

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...
by sil2017
Wed Jun 13, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2642

Re: best way to receive large sum of money from another country

Irs 3520 form . Does the giver have to sign form or just the receiver
by sil2017
Wed Jun 13, 2018 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: best way to receive large sum of money from another country
Replies: 34
Views: 2642

Re: best way to receive large sum of money from another country

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...