Search found 162 matches

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: 10
Views: 706

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: 10
Views: 706

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: 125
Views: 5931

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: 285

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: 285

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: 1994

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: 575

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: 1644

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: 1065

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: 1081

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: 1081

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: 2138

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: 848

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: 848

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: 900

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: 5019

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: 900

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: 900

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: 900

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: 900

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: 289

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: 289

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: 1410

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 ...
by chambers136
Tue Jul 24, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: [Options for installing a Radon mitigation system]
Replies: 11
Views: 946

Re: [Options for installing a Radon mitigation system]

“perforated pipe under your vapor barrier and that got your levels down without having to do the slab”

This is what I did and it brought the levels down to what you would see in outdoor air. Just get some good thick vapor barrier. There are places online that sell materials specifically for this
by chambers136
Mon Jul 09, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2668

Re: Prepaid cell phone plan vs Regular Contract Plan

I’m on AT&T prepaid. $35/month (with $5 auto pay discount), 6 gb data, unlimited talk and text. There are a few things, like I don’t think it will roam to non AT&T towers, but I rarely have any problems. I would recommend it
by chambers136
Sun Jun 10, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 2046

Re: Tv mount with no studs

Use Tapcons. They are blue concrete screws that tap directly into the concrete with no plastic anchors. They are available at Lowe’s or Home Depot. They hold very well.
by chambers136
Tue Jun 05, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Firing Financial Advisor...Transferring "in kind" HELP
Replies: 8
Views: 716

Re: Firing Financial Advisor...Transferring "in kind" HELP

Call Vanguard and ask if they can hold you funds. If they can’t, consider Schwab or Fidelity. Some are able to hold a wider range of funds than others
by chambers136
Mon Jun 04, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 37
Views: 10321

Re: Dehumidifier for humid basement. I want one that lasts.

No, They promised me they will either replace or refund, but it would be their decision. The warranty is actually 2-5 years on the sealed system (the compressor, condenser, evaporator, and tubing) This is what failed on my unit. I think there’s a catch to this- I think they will pay for the parts b...
by chambers136
Mon Jun 04, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Dehumidifier for humid basement. I want one that lasts.
Replies: 37
Views: 10321

Re: Dehumidifier for humid basement. I want one that lasts.

I purchased a 70 pt. Frigidaire dehumidifier April 2017 and it ran like a champ in my finished basement. I cleaned it up and stowed it away in a dry area in October. This May one year later it was not working. It came on, the blower ran and even the compressor would run a bit before throwing an err...
by chambers136
Fri Jun 01, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: VPALX and FPXTX- Wash Sale?
Replies: 3
Views: 231

Re: VPALX and FPXTX- Wash Sale?

Thanks for the responses. I realized the challenge of determining 'substantially identical' without the IRS ever defining the term, but I wanted to get opinions on trade before assuming on way or the other.
by chambers136
Fri Jun 01, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: VPALX and FPXTX- Wash Sale?
Replies: 3
Views: 231

VPALX and FPXTX- Wash Sale?

We have both VPALX (Vanguard PA Long-Term Tax-Exempt Admiral) and FPXTX (Fidelity Pennsylvania Municipal Income Fund) in the same taxable account. I am planning on selling FPXTX and buying VPALX. However, I'm trying to figure out if this would trigger a wash sale. Looking at Morningstar, VPALX has 7...
by chambers136
Sun May 27, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1904

Re: Remote temperature monitoring

I use a monitor called SensorPush from Amazon. They transmit data over Bluetooth, but if you get their optional gateway you can monitor remotely.
by chambers136
Fri May 25, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Has anyone used www.newacunit.com before
Replies: 5
Views: 531

Re: Has anyone used www.newacunit.com before

I've never used Goodman units, but from what I understand they are a low grade brand. I've seen the units themselves very cheap online, I've never looked for someone to do a complete install on one.
by chambers136
Wed May 23, 2018 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard immediately close a zero balance account?
Replies: 7
Views: 1033

Re: Does Vanguard immediately close a zero balance account?

Thanks to all who replied. Sounds like it’s a safe bet that the account will remain open for a long time if I go that route
by chambers136
Wed May 23, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard immediately close a zero balance account?
Replies: 7
Views: 1033

Does Vanguard immediately close a zero balance account?

We have a relatively small amount of money at Vanguard in a brokerage account. Most of out money is at Schwab, mainly because Schwab was the only one of the big three that could accept all of the funds from our former FA. I’d like to consolidate by transferring the Vanguard to Schwab, but there are ...
by chambers136
Mon May 21, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: When should we stop contributing to our 529?
Replies: 18
Views: 2112

Re: When should we stop contributing to our 529?

Thanks for the different perspectives. I do not want to over fund, as he is our only child and we have just one nephew, who is 18 now and not going to college. I’m thinking as of now I may just lower the contribution and reevaluate every few years
by chambers136
Mon May 21, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: When should we stop contributing to our 529?
Replies: 18
Views: 2112

When should we stop contributing to our 529?

we have a 5 year old son with $99k in his 529. We will not be having any other children. At 5 years old, we have no idea if the future brings an expensive private school, grad school, med school, etc. The past five years returns have been very generous, but I don’t want to go overboard on the accoun...
by chambers136
Wed May 16, 2018 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: What's the Safest Easiest Way to Terminate an Old KEOGH at Fidelity
Replies: 10
Views: 443

Re: What's the Safest Easiest Way to Terminate an Old KEOGH at Fidelity

He is correct. Keough is what Fidelity calls their Self employed 401k. My wife transferred here SE401k last year and that’s just how they refer to it
by chambers136
Thu May 10, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 2139

Re: Reccommended Minivans

We’ve had a Chrysler Town & Country for 5 years now. Not a single issue. I wouldn’t hesitate to buy a Pacifica
by chambers136
Thu May 10, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Ameritrade calculated my split incorrectly?
Replies: 5
Views: 487

Re: Ameritrade calculated my split incorrectly?

As described, you’re clearly correct. Looks like Ameritrade is using the 100 shares at the original cost per share plus commission
by chambers136
Wed May 09, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Index funds model
Replies: 18
Views: 2141

Re: Edward Jones to Index funds model

You may be able to get Schwab to match a bonus offer from MerrillEdge or TDAmeritrade
by chambers136
Wed May 09, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Breaking Up and Staying On Good Terms with an Advisor
Replies: 33
Views: 4074

Re: Breaking Up and Staying On Good Terms with an Advisor

My main observation from our time with an advisor is that their number one skill set is to appear to be your friend. Financial knowledge takes a back seat to building the relationship. When we went in for meetings, the first 75% was spent talking about family, etc. Then we’d touch on finances. As in...
by chambers136
Tue May 08, 2018 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Looking for an individual 401k that will accept qualified plan rollovers
Replies: 9
Views: 450

Re: Looking for an individual 401k that will accept qualified plan rollovers

My wife rolled over her 401k from her last job into her Fidelity SE401k. She just had to send a letter stating that as the administrator she accepts the incoming funds into thr 401k
by chambers136
Sat Apr 21, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Where to purchase a new iphone
Replies: 5
Views: 622

Re: Where to purchase a new iphone

I got mine at the Apple Store in Columbia MD. Nothing to it really. I backed mine up to both iTunes and iCloud before I left. I didn’t erase it since I wanted to use the GPS for the trip there. They reset and erase the phone with you there, and you can trade in your old one- at least I could trade a...
by chambers136
Fri Apr 06, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Any hardworkers here who half-a** at work?
Replies: 27
Views: 3947

Re: Any hardworkers here who half-a** at work?

I’ve found this to be the reality of office work. Once a high level boss is hired that doesn’t really understand the business (hired based on a degree or unrelated experience), he/she is incapable of seeing through the BS of their direct reports. So they hire people just like them for the next level...
by chambers136
Thu Apr 05, 2018 6:10 am
Forum: Personal Consumer Issues
Topic: EZPass not read, rental car, high fee
Replies: 37
Views: 6275

Re: EZPass not read, rental car, high fee

Are all EZ Pass websites linked? I think each of the states has their own EZ Pass website. If I enter a rental on the Mass website then travel and use EZ Pass in PA, will the PA EZPass system be able to look up the info I entered in the Mass website?
by chambers136
Thu Mar 29, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?
Replies: 26
Views: 1956

Re: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?

Try to find the ‘heating degree day’ data (HDD) for the time periods in question. Then compare them he two. You can often find the data online for you zip code or even for a weather station near you.
by chambers136
Sun Mar 25, 2018 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: weird turbotax glitch previous year interest way off
Replies: 4
Views: 502

Re: weird turbotax glitch previous year interest way off

I believe this has been the case for a while. I’ve noticed it for at least the past three years. I don’t think it’s a bug, though I agree it doesn’t make sense.
by chambers136
Fri Mar 09, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Issues - What can I do, if anything?
Replies: 31
Views: 4192

Re: Sump Pump Issues - What can I do, if anything?

Is there anywhere that water pools after a hard rain? I had water pooling between my house and the lot next door- it now has a house, but was empty at the time. This pool of water was probably 70ft away from my foundation. I suspected what would happen is it would sink into the ground, travel across...
by chambers136
Mon Mar 05, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Non-Government 457 - To do or not to do!
Replies: 7
Views: 820

Re: Non-Government 457 - To do or not to do!

I wouldn’t do it. My wife was contributing to a non governmental 457b on the advice of her advisor before we met. She is taking some time off, and her options are the same as yours. This was a surprise to us and our (now former) adviser. The problem with deferal is you have no idea what the tax rate...