Search found 189 matches

by chambers136
Wed Jan 23, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: P-Trap and plumber woes
Replies: 27
Views: 1151

Re: P-Trap and plumber woes

Had this exact issue after a remodel actually, about two years ago. If i recall correctly, we found out that the leak wasn't actually coming from the downward connection where the tube hits the P-trap, but was actually coming from ABOVE where the tube was connecting to the sink (does that make sens...
by chambers136
Wed Jan 23, 2019 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth
Replies: 8
Views: 360

Re: Backdoor Roth

If you mean that you thought you were going to reach the phase out income limit that prevents a direct Roth contribution, but didn’t quite make enough and actually could have done a direct contribution, from what I understand you can still perform the backdoor Roth procedure without any penalties
by chambers136
Fri Jan 11, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Can't change address on "My Social Security" site
Replies: 6
Views: 718

Re: Can't change address on "My Social Security" site

fru-gal wrote:
Fri Jan 11, 2019 7:36 am
I don't know why I bothered to post the answer.
Input is appreciated, but it does not appear to be the answer for people who are not collecting social security. Your answer was not correct in my case.
by chambers136
Fri Jan 11, 2019 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Can't change address on "My Social Security" site
Replies: 6
Views: 718

Re: Can't change address on "My Social Security" site

I just checked mine- I don't see anywhere either. They don't indicate my address anywhere on the site, so I don't know if they have the right one or not. Edit: Found this under help: How can I change my address? If you get Social Security benefits (retirement, survivors, or disability) or are enroll...
by chambers136
Wed Jan 09, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard quick to close accounts
Replies: 17
Views: 2427

Re: Vanguard quick to close accounts

The same thing happened to me. I did a full transfer to Schwab, hoping the VG account would stay open for any Admiral shares we wanted....a few weeks later I got a letter saying the account was closed. Not a real big deal because I'll open again if needed, but it was surprising based on the response...
by chambers136
Sat Dec 08, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Attic insulation-R30 to R60 worth it?
Replies: 33
Views: 3263

Re: Attic insulation-R30 to R60 worth it?

Consider cellulose insulation instead of fiberglass. It does a better job of blocking airflow through the insulation. You will need many more bags of insulation, but the bags are much cheaper.
by chambers136
Fri Dec 07, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: What's Your Opinion on a Custodial Brokerage Account?
Replies: 5
Views: 428

Re: What's Your Opinion on a Custodial Brokerage Account?

Frankly, you don't know how a 6-year old will turn out (my 3 children were all bright, loving and delightful at that age), don't just assume it will go well Thanks for the detailed story. It really does make me reconsider. I should've mentioned that we have 100k for him in a 529- I have since slowe...
by chambers136
Fri Dec 07, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: What's Your Opinion on a Custodial Brokerage Account?
Replies: 5
Views: 428

What's Your Opinion on a Custodial Brokerage Account?

We have a 6 year old son that currently has a joint account at a local bank with about $4000 in it from birthdays, Christmas, etc. I was considering opening a Custodial Brokerage Account at Schwab to invest some of this money. Looking back at some very old posts, there seem to be mixed feelings- som...
by chambers136
Fri Dec 07, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: GE Washing Machine Screeching Sound
Replies: 19
Views: 1345

Re: GE Washing Machine Screeching Sound

We have a dryer that would screech. It turned out the be the belt tensioner pulley bearing. It cost $15 to replace. I would get access to the belt area and check how free all pulleys move.
by chambers136
Mon Dec 03, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2209

Re: Crawl Space Fixin's - Do you really need it?

The vapor barrier cost really depends on what the material is. As others mentioned, you can get a 6 mil thick sheet of plastic, or a 20 mil thick strand reinforced sheet for the barrier. The costs will be significantly different for the material alone. It depends if this is truly a crawl space that ...
by chambers136
Wed Nov 28, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3997

Re: Electricity bill should be 7% per month of home sq footage.

Scrapr - What can be done to insulate those can lights. Just last week I had to replace a bulb in the can light over the kitchen sink and was amazed how much cold air was there. I was reluctant to do anything at the time and concerned about stuffing anything up in there for fear of fire or somethin...
by chambers136
Thu Nov 22, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Tiny Baby Spiders on my Toaster
Replies: 40
Views: 3106

Re: Tiny Baby Spiders on my Toaster

They can turn up in strange places. This fall when I started my gas furnace, it would not light. The gas furnace is less than a year old, so I called the company who sold and installed it thinking that any problem would be covered by my warranty. The repairman came and spent about an hour. He was l...
by chambers136
Tue Nov 13, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH at Schwab- IXUS & VXUS
Replies: 5
Views: 391

Re: TLH at Schwab- IXUS & VXUS

MotoTrojan wrote:
Tue Nov 13, 2018 11:03 am
Did this at VG the other day. In my eyes, nowhere near being a wash. Broker definitely won’t flag it either.
Thanks. I figured the IRS has plenty of bigger fish to fry than me- the brokerage flagging it was my main concern
by chambers136
Tue Nov 13, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: TLH at Schwab- IXUS & VXUS
Replies: 5
Views: 391

Re: TLH at Schwab- IXUS & VXUS

Thanks. No commission- I think they gave me 25 free trades, I've only used a few. They seem pretty open to giving more for the asking as well.
by chambers136
Tue Nov 13, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: TLH at Schwab- IXUS & VXUS
Replies: 5
Views: 391

TLH at Schwab- IXUS & VXUS

Has anyone here has done a TLH at Schwab for IXUS (iShares total international ETF -tracks MSCI ACWI ex U.S. IMI Index) exchanged for VXUS (Vanguard total international ETF -tracks FTSE Global All Cap ex US Net US RIC)? I'm wondering if Schwab would flag this as a wash sale.

Thanks
by chambers136
Mon Nov 12, 2018 6:44 am
Forum: Investing - Theory, News & General
Topic: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.
Replies: 20
Views: 1239

Re: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.

I often see dividend value per share with many decimal places, though when reinvesting it seems they are bought at an NAV in whole cents. In this case NAV itself seemed to have extra decimal places for just one "special" day. No, they calculate the NAV to 6 to 8 digits every day. If you have access...
by chambers136
Sat Nov 10, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.
Replies: 20
Views: 1239

Re: Fidelity class change calculation. Numbers seem off, unless NAVs have extra decimal places.

I would think the 4 decimal places are there all the time, but they don’t show them unless there’s a reason to. I know I’ve gone through cost basis (non-Fidelity) that don’t multiply out to the penny unless there’s some rounding in the purchased price. I have no idea how I would find the extra decim...
by chambers136
Fri Nov 09, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Double Check on TLH Long Term/Short Term, Wash Sales
Replies: 2
Views: 311

Double Check on TLH Long Term/Short Term, Wash Sales

I have some international equities I’d like to TLH. They will be short term losses. Am I correct in my understanding that once my short term gains are offset, the short term losses will then offset long term gains? I plan on selling IXUS ( ishares total intl) and buying the matching blend of Schwab ...
by chambers136
Tue Nov 06, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: In kind transfer from schwab?
Replies: 10
Views: 644

Re: In kind transfer from schwab?

Just so you know, if you're comparing Schwab index funds to Vanguard index funds, you will see very little difference. You likely have a blend of equities that does not strictly track the S&p 500, as mentioned above
by chambers136
Sat Nov 03, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: If you have credit monitoring do you need to freeze credit?
Replies: 41
Views: 2228

Re: If you have credit monitoring do you need to freeze credit?

So next question is how awful is it to freeze your minor children's credit? I definitely wanted to do this, but in my opinion it’s pretty awful. You have to send copies of drivers licenses, birth certificates, utility bills, social security cards, etc through the mail. And when they receive the doc...
by chambers136
Wed Oct 24, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Changing to higher equities allocation during a major crash?
Replies: 26
Views: 2662

Re: Changing to higher equities allocation during a major crash?

I think that if you were at 50/50 and were not brave enough to be at 80/20 or 90/10 during good times, you'd be hard pressed to develop that appetite for risk as the market tanks.
by chambers136
Tue Oct 09, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley to Merrill Edge?
Replies: 8
Views: 856

Re: Morgan Stanley to Merrill Edge?

A quick update: was poking around our Morgan Stanley advisory account and was surprised that there is apparently no way for me to execute any trades on my own. I haven't paid much attention to this account in recent years and admittedly I'm not the most techno-savvy, so it's possible I somehow miss...
by chambers136
Sun Sep 30, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8698

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

I think what you’re missing is that in hindsight it seems very easy to pick winning stocks that would have made you very rich. Leverage everything that you could have to buy Amazon a little while back, or some other high flying stock. Many people on here have thought they had a hot stock tip, only f...
by chambers136
Fri Sep 28, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 127
Views: 15702

Re: Sears, a 125 year old company is now a penny stock.

There’s information on Sears price history in the paragraphs at the very bottom on this page
https://markets.businessinsider.com/stocks/shld-stock
They went public over 100 years ago
by chambers136
Tue Sep 25, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on whether to participate in Deferred Compensation Plan
Replies: 18
Views: 2098

Re: Looking for advice on whether to participate in Deferred Compensation Plan

Check how the distribution is handled. My wife was in one that paid in one lump sum, so it defeated the goal of tax savings. Some will pay out over several years, or so I've heard. The other problem we found was she had to tell them when she wanted the distribution, and only had one chance at deferr...
by chambers136
Thu Sep 20, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10297

Re: How real is cyber risk?

Is Symantec VIP considered U2F?
by chambers136
Sat Sep 15, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary unallowed in joint taxable -move to single acct?
Replies: 11
Views: 991

Re: Beneficiary unallowed in joint taxable -move to single acct?

sport wrote:
Sat Sep 15, 2018 3:46 pm
it seems that there is little advantage to having joint accounts.
I think it depends on state laws. A lawyer I spoke to thought joint accounts were better due to the strong state laws regarding joint ownership
by chambers136
Sat Sep 15, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiary unallowed in joint taxable -move to single acct?
Replies: 11
Views: 991

Re: Beneficiary unallowed in joint taxable -move to single acct?

That bothered me about Vanguard as well. I believe both Fidelity and Schwab, as well as probably others, allow joint accounts to list beneficiaries.
by chambers136
Sat Sep 15, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10297

Re: How real is cyber risk?

There’s a lot of discussion about SMS 2FA and Yubikey with Vanguard . What about Symantec one time password 2FA that Fidelity and Schwab use- are the vulnerabilities similar?
by chambers136
Fri Sep 14, 2018 5:41 am
Forum: Investing - Theory, News & General
Topic: Does Federal Step Up Basis Depend on State of Residence?
Replies: 2
Views: 324

Re: Does Federal Step Up Basis Depend on State of Residence?

Thanks for the thorough explanation- I was not aware of the marital deduction.
by chambers136
Thu Sep 13, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Does Federal Step Up Basis Depend on State of Residence?
Replies: 2
Views: 324

Does Federal Step Up Basis Depend on State of Residence?

I understand if you live in a community property state, one spouse gets a full step up on the basis of a joint account upon the death of the other spouse, and non-community property states get a 1/2 step up. Does this apply to both state and federal basis reported to the IRS? It seems odd that the s...
by chambers136
Thu Sep 06, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Planner really expensive?
Replies: 19
Views: 2106

Re: Financial Planner really expensive?

They make it sound very reasonable by quoting the prices per month, per 10k. But it doesn't seem so reasonable when looked at for the full amount for a full year. But like others said, it depends what they do and how uncomfortable you are managing your own money.
by chambers136
Thu Sep 06, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Credit Freeze - Free and Now Extended To Children Under 16
Replies: 1
Views: 622

Re: Credit Freeze - Free and Now Extended To Children Under 16

I think it depended on your state laws up until now. I wasn't able to freeze kid's credit either, though I will be this month. I can't think of a down side to it
by chambers136
Wed Sep 05, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: How to tell which vent is dryer vent?
Replies: 40
Views: 1829

Re: How to tell which vent is dryer vent?

I think some houses have bathroom vent fans exiting the house through a dryer vent-looking baffle
by chambers136
Tue Sep 04, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: any free options to morningstar X-ray feature
Replies: 9
Views: 1306

Re: any free options to morningstar X-ray feature

Yes, T Rowe Price gives free access even if you don’t have an account there. Just create a username and password
by chambers136
Sun Sep 02, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1182

Re: Do you take advantage of all identity monitoring offers?

Thanks for the replies. I have everything frozen. The thing that made me consider the latest offer was a $1M identity restore guarantee or whatever they call these things
by chambers136
Sat Sep 01, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take advantage of all identity monitoring offers?
Replies: 20
Views: 1182

Do you take advantage of all identity monitoring offers?

With all of the data breaches these days, it seems like we get several overlapping offers for free identity monitoring services due to hacks, employees falling for a phishing scam, etc. Should we sign up for everything that is available or is one enough? We have all credit and checking bureaus froze...
by chambers136
Tue Aug 28, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Summer Day A/C Issues
Replies: 41
Views: 2368

Re: Summer Day A/C Issues

When you sense low air flow, can you get a look at the indoor coil? When the coil begins to ice over due to low refrigerant, the air flow begins to slow and the temperature is not as cold.
by chambers136
Tue Aug 21, 2018 5:52 am
Forum: Investing - Theory, News & General
Topic: How do you measure % of international holdings?
Replies: 10
Views: 918

Re: How do you measure % of international holdings?

Thanks for all the responses....seems to be clear that it's expressed as a percentage of equities.
by chambers136
Mon Aug 20, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: How do you measure % of international holdings?
Replies: 10
Views: 918

How do you measure % of international holdings?

When people recommend/report their percentage of of a holding (let's say international equities), is it generally as a percentage of the total portfolio or as a percentage of all equities? Lets say you have a 40% domestic stock/20% international stock/40% bond portfolio mix. If you were asked what p...
by chambers136
Sat Aug 18, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Schwab users- question on alerts
Replies: 13
Views: 959

Re: Schwab users- question on alerts

Yes, if you go to Service, it's in the Alert Settings section. I get alerts about trading activity, ACH, deposits, etc. Maybe it’s something with my account. I have these all turned on, and I realize I’ve never received a text or app notification, just email confirmation. My phone number is correct...
by chambers136
Sat Aug 18, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5222

Re: Your major and investing/finance?

Engineering here. I think my interest comes from needing to understand why I’m doing what I’m doing. We had a financial advisor for a while, and all along I was analyzing returns, catching mistakes, etc. I don’t think my major taught me anything about finance, but my need to understand how things wo...
by chambers136
Sat Aug 18, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Schwab users- question on alerts
Replies: 13
Views: 959

Re: Schwab users- question on alerts

Response from Schwab: I apologize but we do not have a system in place to provide emails when trades or placed. However, I think that is a great idea! I will forward your inquiry to our leadership group to see if that is something we can make available for our clients in the future... I thanked him...
by chambers136
Sat Aug 18, 2018 7:05 am
Forum: Investing - Theory, News & General
Topic: Schwab users- question on alerts
Replies: 13
Views: 959

Re: Schwab users- question on alerts

In the app go to profile and settings > alert settings Doesn’t this have the features you are taking about? These alert only notify after the action is completed. I would like to be alerted as soon as the transaction request is submitted. This is just a preference of mine. I have 2FA and a strong p...
by chambers136
Fri Aug 17, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab users- question on alerts
Replies: 13
Views: 959

Re: Schwab users- question on alerts

I have not seen that, but would like it to be available. I was going to ask them how to do that sometime and if it is not possible, suggest that it should be offered. Good to know that it is available elsewhere, so I can include that in my comment. What method would you use to request this? Is ther...
by chambers136
Fri Aug 17, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Schwab users- question on alerts
Replies: 13
Views: 959

Schwab users- question on alerts

Those who have a brokerage account at Schwab- is there a way to get alerts (text and/or email) as soon as an action (such as ACH transfer or order placement) is submitted? With Fidelity and Vanguard I instantly get notifications. Schwab notifies me only when the action is complete. I think I have al...
by chambers136
Fri Aug 17, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation 457b FICA and Medicare Taxes
Replies: 5
Views: 335

Re: Deferred Compensation 457b FICA and Medicare Taxes

Thanks for the confirmation and responses. I went through all of the calculations trying to make sure all taxes were accounted for ahead of time, and I got a surprise (a pleasant surprise as it turns out), causing a bit of panic on my part.
by chambers136
Fri Aug 17, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Deferred Compensation 457b FICA and Medicare Taxes
Replies: 5
Views: 335

Deferred Compensation 457b FICA and Medicare Taxes

We just received a 457b distribution from my wife's previous employer. It looks like they didn't withhold FICA of Medicare taxes on the distribution. Doing some Google searches, it appears that these taxes may have been withheld when at the time of the contributions, which would explain the lack of ...
by chambers136
Tue Jul 24, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1501

Re: Cablevisions Bill

Look into the streaming services more. Hulu and Hulu Live are different, Direct TV and Direct TV Now are different. You can look up available channels for each service. We recently got rid of cable. Comcast would not negotiate- until we he day after we canceled. It was too late once I realized what ...