Search found 19 matches

by 4fitness
Fri Aug 31, 2018 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: House Affordability - Question on standard advice
Replies: 35
Views: 3224

Re: House Affordability - Question on standard advice

Hi Klangfool. Thanks for weighing in. 1) Is it cheaper to rent? If yes, why would you buy? I've done the NYTimes calculator and buying comes out ahead for similar houses. 2) Do you have kids? Do you plan to have kids? Until and unless you have kids going to school, why would you buy? What if the sch...
by 4fitness
Fri Aug 31, 2018 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: House Affordability - Question on standard advice
Replies: 35
Views: 3224

Re: House Affordability - Question on standard advice

Hi all, Thanks for the responses so far. We are starting to look at homes and I just wanted to get a general consensus on advice I see commonly listed. I've messed around with the house affordability calculators online and they all say we can afford much more than we are willing to spend. We are in ...
by 4fitness
Fri Aug 31, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: House Affordability - Question on standard advice
Replies: 35
Views: 3224

House Affordability - Question on standard advice

Hi all, My question is in regards to advice I see about home affordability. A number of sites have advice that you can afford a house at 2, 3, or even up to 4 times gross income. Is that number referring to the mortgage alone (after down payment) or total price (mortgage plus down payment)? Obviousl...
by 4fitness
Sun Feb 11, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 97
Views: 18938

Re: Replacement for Google Finance price quote function

[/quote] Anyone have an approach that works with EXCEL? [/quote] I’m still in Excel as well and have just been doing manual entry. A bit of a pain, but I find myself checking my portfolio less often. If someone is aware of a way for auto updates in Excel that would speed up the process. Perhaps it’s...
by 4fitness
Thu Feb 08, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Re: Just another brokerage transfer question- TD Ameritrade to...

Earl Lemongrab wrote:
Thu Feb 08, 2018 3:05 pm

You have a confirmed offer from Schwab? Last time I contacted them they didn't have anything for retail customers.
Nope. Just a link I saw online. Sounds like it may be expired since you have recently reached out to them. If that’s the case, Edge would be the move.

Thanks.
by 4fitness
Thu Feb 08, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Re: Just another brokerage transfer question- TD Ameritrade to...

If you're looking to have a mix of Vanguard and other ETFs, then Edge is the perfect place. For an Apex-level account, you would qualify for the highest Preferred Rewards level (you'd need a BOA checking account) and get lots of free trades. Plus the bonus, which is the best reason to move in my mi...
by 4fitness
Mon Feb 05, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Re: Just another brokerage transfer question- TD Ameritrade to...

stlutz wrote:
Mon Feb 05, 2018 9:01 pm
This is one of my favorite LOL posts from livesoft about asking for free trades: viewtopic.php?t=180849#p2740546
Haha. That is great. I think I'll start with double digits and if they are unwilling, I'll start the transfer process.
by 4fitness
Mon Feb 05, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Re: Just another brokerage transfer question- TD Ameritrade to...

It seems you got your free trades by e-mail and not by phone nor by sitting across the desk from the person giving you free trades. I respectively suggest you up your game. Will the SP** ETFs improve what I might call their trading annoyances efficiencies? I cannot make any predictions. Hah. You ar...
by 4fitness
Mon Feb 05, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Re: Just another brokerage transfer question- TD Ameritrade to...

I'm in the same boat. I'm moving to Merrill Edge. 30+ free trades per month of any ETF, including Vanguard for a $50K+ balance. Plus xfer bonus cash: https://www.merrilledge.com/Bonus900 I have heard good things from Merrill Edge as well and would qualify for the free trades and some bonus. I know ...
by 4fitness
Mon Feb 05, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Re: Just another brokerage transfer question- TD Ameritrade to...

Yes, it might be time to move. I now own some of the no-commission SPDRS/SSGA ETFs at TDAmeritrade. I'm OK with them, but not thrilled. Thanks livesoft. I had followed your previous discussions on this topic specifically and saw you started to purchase some of the new SPDR funds. Since you are just...
by 4fitness
Mon Feb 05, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 1169

Just another brokerage transfer question- TD Ameritrade to...

Hi all, I know this is a topic that gets discussed quite frequently around here (so why am I asking?). My traditional IRA is currently at TD Ameritrade and I was using it for the commission free Vanguard ETFs. I also have a small amount (<5% of trad IRA value) of old individual stocks in the account...
by 4fitness
Wed Oct 18, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 69910

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For those planning on staying with TDA, what about just keeping all the Vanguard ETFs and purchasing the new commission free ETFs with new money vs. switching all current Vanguard ETFs over to the new commission free ETFs. Is the only reason to sell you current Vanguard ETF holdings and replace wit...
by 4fitness
Wed Oct 18, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 566
Views: 69910

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

For those planning on staying with TDA, what about just keeping all the Vanguard ETFs and purchasing the new commission free ETFs with new money vs. switching all current Vanguard ETFs over to the new commission free ETFs. Is the only reason to sell you current Vanguard ETF holdings and replace with...
by 4fitness
Sun Apr 23, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 7487

Re: Six pack for barbecue?

John Laurens wrote:I would bring a bottle of Pepsi and some ring dings. Guaranteed someone comes up to you later and says, "just between me and you, I'm glad you brought the ring dings".

Regards,
John
Very nice, Georgie.
by 4fitness
Fri Apr 07, 2017 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax and Form 941
Replies: 1
Views: 484

Re: Nanny Tax and Form 941

I realize this is a down in the weeds tax topic so it appears a visit to a CPA is in my future. The good thing is all my taxes are paid and correct so likely just a lot of paperwork. To be honest, I'm not sure why it matters that I filed the taxes as a business instead of a household employer. I thi...
by 4fitness
Fri Apr 07, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: What's in your ADP 401(k)?
Replies: 21
Views: 2791

Re: What's in your ADP 401(k)?

Same here. SSGA index funds are the cheapest: S&P 500 (0.71), S&P 400 (0.72), REIT (0.72), Russell SC (0.99), International (0.99), Agg Bond (0.72), TIPS (0.72). There's a 0.70 ER for holding cash... The SSGA funds are usually fairly inexpensive as far as I can tell, so it's mostly passing admin co...
by 4fitness
Wed Apr 05, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax and Form 941
Replies: 1
Views: 484

Nanny Tax and Form 941

Hi all, We have a household employee (Nanny) that takes care of our son during the week. When we first started out, I wanted to do everything correctly and not have to deal with all the forms/filing. EIN requested as Household Employer - Check Sign up for payroll service - Check I thought that was i...
by 4fitness
Sat Feb 18, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: No need to amend 2015 federal return?
Replies: 3
Views: 686

Re: No need to amend 2015 federal return?

Great, thanks for the info. Not eligible for the saver credit so I'll proceed with amending the state only.
by 4fitness
Fri Feb 17, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: No need to amend 2015 federal return?
Replies: 3
Views: 686

No need to amend 2015 federal return?

Hello all, I've been lurking for quite some time now and figured I may as well sign up and get posting. I noticed an entry error in our 2015 federal/state returns dealing with pension contributions. The value appears in box 14 on the W-2 and is included in SS/Medicare wages, but not Box 1 wages. In ...