Search found 98 matches

by Voltron
Thu May 16, 2019 6:32 pm
Forum: Personal Investments
Topic: Mutual Funds vs Individual Stock Basic Question
Replies: 5
Views: 313

Re: Mutual Funds vs Individual Stock Basic Question

jebmke wrote:
Thu May 16, 2019 5:22 pm
if you put in an order after the market closes, you will get the price at the end of the next day.
What if I put the order during trading hours the next day? Does it default to the end of the day price?
by Voltron
Thu May 16, 2019 5:21 pm
Forum: Personal Investments
Topic: Mutual Funds vs Individual Stock Basic Question
Replies: 5
Views: 313

Mutual Funds vs Individual Stock Basic Question

I have a basic question that I just need to hear from someone else to reassure me. Lets take Vanguard Total Stock Market Mutual Fund. The price per share isn't posted until the end of the day. So does that mean, if I put the order in after trading hours (middle of the night), then I capture the pric...
by Voltron
Wed Apr 17, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: How does Alliant Credit Union make money on their Credit Card?
Replies: 23
Views: 2530

Re: How does Alliant Credit Union make money on their Credit Card?

I just received the email notifying me about the yearly fee increase - from $59 to $99/year. Is this still the best cash back card for me? I don't want to mess around playing games with different categories each quarter. I pulled my transactions from last year, and I averaged about $3725/month, or ...
by Voltron
Mon Apr 15, 2019 3:58 pm
Forum: Investing - Theory, News & General
Topic: How does Alliant Credit Union make money on their Credit Card?
Replies: 23
Views: 2530

Re: How does Alliant Credit Union make money on their Credit Card?

Just got an email. Alliant Credit Card Visa raising their annual fee to $100 per year. Still decent card for big spenders but that's a significant jump.
by Voltron
Mon Mar 25, 2019 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 82
Views: 11877

Re: Primer on Paying Taxes With a Credit Card

I have not tried this before since I was using a 2% travel card (CapitalOne Venture) and so the 1.87% fee didn't provide much of a rate spread. But now I have the BofA Premium Rewards card with the 2.625% cash back. The problem is that my federal + state quarterly tax payment is about three times m...
by Voltron
Wed Mar 20, 2019 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4470

Re: Where do you pay quarterly taxes?

Carini wrote:
Tue Mar 19, 2019 8:26 am
I used the Alliant 3% for both Federal and VA estimated payments for all of 2018 and received the 3% for payments prior to my anniversary date. After the anniversary date I received 2.5%. It was treated the same as any other purchase as far as I could tell.
Same. No issues past two years.
by Voltron
Sat Jan 26, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy For Student Loans
Replies: 48
Views: 3544

Re: Strategy For Student Loans

You are in a tough position. The interest rates are difficult. This is subjective depending on your emotions. I was in the hole 300K plus in loans and credit card debt so emotionally eliminating any of the debt helps to prevent depression. That said, my approach would be to attack loan #4 for simpli...
by Voltron
Tue Jan 01, 2019 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Any downside to superfunding 529 Plan just before college starts?
Replies: 7
Views: 1183

Re: Any downside to superfunding 529 Plan just before college starts?

Is there any downside to making a lump-sum contribution of this amount at this time? I was going to pay for this shortfall anyways from my taxable account. If I do lump-sum $100K to 529 now, at-least it will grow tax free for next 3 years or so. Am I missing anything here before I make this contrib...
by Voltron
Fri Oct 19, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15036

Re: $34k Volt vs $54k Model 3?--help me decide??

Cheapest M3 you can buy is now: $30,700 After incentives & gas savings <-- (here they list state rebate $2500, Fed $7500, and gas savings of $4300 in 6yrs by default). $45,000 Before savings Delivery in ~6-10 weeks Actually, gas savings in my case probably a little more than that, even coming from ...
by Voltron
Thu Oct 18, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15036

Re: $34k Volt vs $54k Model 3?--help me decide??

Tesla is now letting Model 3 buyers purchase a "mid-range" battery with a range of 260 miles at a starting, pre-incentive price of $45K. Details here: https://3.tesla.com/model3/design?#battery Fascinating. Ok I guess I’m back into considering though the longer range battery is very comforting. App...
by Voltron
Mon Oct 15, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15036

Re: $34k Volt vs $54k Model 3?--help me decide??

I’m sitting here looking at the clock. Figure I have a couple hours pacific standard time. If you do go tesla model 3 and don’t like it, you can sell it. Someone is likely to snap it up due to demand. Maybe you can pocket the tax rebate. The Volt is worth upgrade from your current model tho. I wante...
by Voltron
Sun Oct 14, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15036

Re: $34k Volt vs $54k Model 3?--help me decide??

Ebotrd, Once again we are on the same page. However, ultimately, I have pulled out of the running for a Chevy Volt, Tesla Model 3 and Chevy Bolt. What changed? I had a kid that is 4 months old and figure I will maximize frontloading of his 529 the next 4 to 5 years. Those cars are doable but would a...
by Voltron
Tue Sep 25, 2018 2:41 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 27745

Re: What is your single most expensive mistake?

Medical school. Was on wait list at state school but I was not aggressive enough. Finally reached to the dean. He said state school can accept me. However once he found out I was on day one of orientation at a private out of state medical school, he said he couldn’t accept me. FML. Instant 100K+ los...
by Voltron
Sat Aug 04, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4851

Re: Suggest an electric car: Volt? Alternative?

In response to Honda Clarity, my first issue is range. 46 miles for Honda Clarity vs 53 miles for Chevy Volt. My second issue is less control of the car running only on electric. There is more forces running of gas at times than the Volt. So for persons who want to go electric, Volt may be a slightl...
by Voltron
Fri Aug 03, 2018 12:38 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15036

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

I have had a sudden change of heart. You hit everything I wrangle my hands over about Volt vs M3. Right now I am entertaining the idea of the Chevy Bolt. Not much more expensive than Premium Volt and cheaper than M3. Dorky but oddly cool in its own way. 0 to 60 mph in 6ish second range (faster than ...
by Voltron
Fri Jul 27, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4851

Re: Suggest an electric car: Volt? Alternative?

2008 GTI has an oil gasket leak in timing chain cover, mechanic says could be up to $1500 to fix depending on labor/what's under the cover. Apparently laborious. Car worth about $7k, so no. Use: commuter car only, 25 miles round trip M-F. Minimal weekend use. Maybe will be passed onto kids in 5 yea...
by Voltron
Fri Jul 27, 2018 3:05 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 4851

Re: Suggest an electric car: Volt? Alternative?

Coming from your GTI, I see where you are coming from. I had a Jetta GLI to currently an Audi Q5 that lease is up and in same position need to choose. Agree, looking for somewhat fun car to drive. Few thoughts... Practically speaking, given the relatively little amount of miles you drive a day, you ...
by Voltron
Thu Jul 26, 2018 1:05 am
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 131
Views: 15036

Re: 2016 vs 2018 or 2018 Volt (Model 3?)--compare and help me decide?

I’m in nearly the same exact decision predicament as you. Heck, I even have 60K cash ready to buy the Tesla Model 3 outright. My friends have emailed me their receipts from their model 3 purchase and it adds up fast quick! So I’m torn. I have an Audi lease that’s up July 2019 and I want to buy a ca...
by Voltron
Wed Jul 11, 2018 1:31 am
Forum: Personal Finance (Not Investing)
Topic: What to do with leased car situation
Replies: 8
Views: 1698

Re: What to do with leased car situation

I am in a similar situation. Flip the situation around. Sublease your car on a car sharing site. At least this will mitigate your losses. https://turo.com/rentals I do not like debt but my lease I couldn’t bear paying it in full even though I can. It is just a few dollars in. Bank interest by keepin...
by Voltron
Thu May 17, 2018 1:30 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 16299

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

2016 Audi Q5 3.0T here. Love, love my vehicle. I had to decide between the 2016 redesigned Lexus RX350 and Q5 and ultimately the Q5 experience much better. Ride sportier, former, Quattro adds to performance and such a great combo with the torque of the V6. I respect the turbo 4 cylinder 2.0T but the...
by Voltron
Fri Apr 20, 2018 2:54 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Fit EX
Replies: 33
Views: 3882

Re: 2018 Honda Fit EX

Honda Fit Sport 2010 owner 93,000 miles Never had brakes changed. Cons Noisy interior high speeds. My biggest gripe. 5 speed manual transmission seems to be missing a gear. I believe they corrected this in the next generation with a 6th gear? Under powered. Manual adequate but can’t imagine with aut...
by Voltron
Thu Apr 19, 2018 12:51 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 31629

Re: Muni Money Market funds starting to look good!

I always see posters create nice graphs. What resource do use to create the graph? Visualization is helpful.

What I want to do is create a graph for example a California resident in different federal tax brackets. It might help me decide my goals.
by Voltron
Wed Mar 28, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 31629

Re: Muni Money Market funds starting to look good!

Pardon my ignorance, but is there any reason to hold Vanguard Municipal Money Market Fund over Vanguard California Municipal Money Market Fund (VCTXX)? I live in California. I presume if I held Vanguard Municipal Money Market Fund may owe some states taxes on dividends since pooled from different st...
by Voltron
Mon Mar 26, 2018 1:38 am
Forum: Personal Investments
Topic: Kaiser doctors, get in here :)
Replies: 4
Views: 2260

Re: Kaiser doctors, get in here :)

I will be starting to work for kaiser SoCal this summer as a specialist physician and I wanted to know what strategies you guys use given the unique nature of kaiser's retirement benefits. Any other general physician strategies for a new attending are welcome :beer Congrats. First, you will be an a...
by Voltron
Wed Mar 21, 2018 10:28 am
Forum: Personal Investments
Topic: Schwab Intelligent Advisory
Replies: 23
Views: 3904

Re: Schwab Intelligent Advisory

There are many articles comparing Schwab Intelligent Porfolios vs three fund portfolios. here is most recent I read: http://www.etf.com/sections/index-investor-corner/schwab-vs-simplicity-debate-rages?nopaging=1 Anyhow, I did both in taxable accounts to try it out for 6 months. Maybe you should give...
by Voltron
Sat Feb 17, 2018 12:16 am
Forum: Personal Investments
Topic: When do IRA's stop making sense?
Replies: 37
Views: 3296

Re: When do IRA's stop making sense?

10 to 15 years to retirement at the least to consider it to be worth it.

529s. You can take loans for college. You can’t take loans for retirement.
by Voltron
Thu Feb 08, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: VA vs. Private Practice.....need help
Replies: 15
Views: 2325

Re: VA vs. Private Practice.....need help

This is a personal decision you will have to make. I had to decide out of residency to join a major organization with pension perks (felt like government type of position) vs risk private practice. I really wanted the private practice opportunity due to location but the former was too good to pass u...
by Voltron
Thu Feb 01, 2018 10:05 pm
Forum: Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 10209

Re: What advice would you give yourself if you were 27 again?

Dyloot wrote:
Thu Feb 01, 2018 5:23 pm
BlueRidgePro wrote:
Thu Feb 01, 2018 4:44 pm
Don't marry her.
+1
I should have married her.
by Voltron
Tue Jan 30, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 4941

Re: Alliant Credit Union Signature VISA

Works for me. Paid 24K in estimated quarterly taxes with it. I spend about same per month. Have had card for less than six months.
by Voltron
Thu Jan 18, 2018 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Alliant 3/2.5% card - any experience?
Replies: 52
Views: 10087

Re: Alliant 3/2.5% card - any experience?

Got $1000 cash back on alliant. I am very pleased.
by Voltron
Wed Jan 17, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 805307

Re: What's Your Credit Card Rewards Strategy?

Alliant Signature Visa at the 3% cash back rewards for first year. I pay over 25,000 dollars in quarterly estimated income taxes. Doesn’t even include state California estimated quarterly taxes. Anyhow paid by credit card this year and despite the 2% fee, 1% cash back net has been a handsome benefit...
by Voltron
Wed Jan 10, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 97
Views: 12198

Re: california homeowners - do you have earthquake insurance?

I've paid for insurance LA area for two years in a row. about $1000. This year I am taking a break. Just a big hit. So I am rolling dice and will consider every other year.
by Voltron
Tue Jan 09, 2018 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Capital 360 Money Market Account vs Vanguard Tax-Exempt Fund
Replies: 1
Views: 419

Capital 360 Money Market Account vs Vanguard Tax-Exempt Fund

Hi. In 2017, I was in the 33% tax bracket range in California. My question is regards to where to hold some of my emergency money. Let's say its about $10,000. My horizon is 1 year to 5 years. I don't think I will need that money before then, but if I do, I do have other funds in Money Market accoun...
by Voltron
Sat Sep 23, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: california homeowners - do you have earthquake insurance?
Replies: 97
Views: 12198

Re: california homeowners - do you have earthquake insurance?

I have it.

Plug in your address here. Will show you the fault lines on a map like google. Very scary if live near a fault like me. Shows risk of major earthquake. App for phone is decent too.

http://temblor.net/
by Voltron
Fri Sep 22, 2017 2:15 pm
Forum: Personal Investments
Topic: Loans paid off!
Replies: 17
Views: 1594

Re: Loans paid off!

It is so liberating to pay off those medical school loans. I did that last year. Curious, what was your interest rate for your medical school loans? Even more gratifying if you had a high interest rate. I had a low interest rate of 2.85% for my medical school loans, but my own hardships of accumulat...
by Voltron
Thu Sep 14, 2017 5:09 pm
Forum: Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 6060

Re: How often do you put money in Vanguard

I set 30% of paycheck to Ally savings account. At the end of the year, I transfer to Vanguard as lump sum. Then make my fund purchases.
by Voltron
Sun Sep 10, 2017 10:59 am
Forum: Personal Investments
Topic: Anyone use Financial Engines?
Replies: 49
Views: 54219

Re: Anyone use Financial Engines?

I use Financial Engines. I've experimented when I was new and had them balance my tax deferred work accounts. It's relatively cheap but in the end the portal from work to do it yourself is free so why be lazy when you can use the portal to tell you how do balance / adjust or at least suggest how to ...
by Voltron
Sat Aug 26, 2017 11:17 am
Forum: Personal Investments
Topic: Capital One Money Market Increases to 1.10% APY
Replies: 16
Views: 3735

Re: Capital One Money Market Increases to 1.10% APY

Going up to 1.2% on 8/25/2017.
by Voltron
Fri Aug 25, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 4941

Re: Alliant Credit Union Signature VISA

I protested the inquiry for a social security card. Rationale explained from ss website that not needed. Anyways, approved. Got signature Visa card in mail.

Will see how it goes. I only wanted strictly a cash back card so this seems best fit.
by Voltron
Sun Aug 20, 2017 4:59 pm
Forum: Personal Investments
Topic: Where to park emergency fund to beat inflation?
Replies: 25
Views: 4766

Re: Where to park emergency fund to beat inflation?

Consider a CD ladder. You won't beat inflation, but you can get your money out slightly easier than waiting for a lump some that was put into a long term CD. You will get better than 1.2% interest on average.
by Voltron
Wed Aug 09, 2017 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 4941

Re: Alliant Credit Union Signature VISA

Update: So it gets better (sarcastically). So I upload my tax returns, my K1, last two pay stubs, utilities bill and the application processors are still not happy. They want a utility bill in my name, not wife's. They want W2's. well, I don't get W2's..I get K1's. What is tipping it over the edge i...
by Voltron
Tue Aug 08, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 4941

Re: Alliant Credit Union Signature VISA

Interesting. I posted an application for same Signature VISA today. The 2.5% cash rewards is what drew me to this card. I am not retired so will see what happens. I'll keep you posted. I use USAA's Limitless Visa to get 2.5% cashback rewards. To get the 2.5% rate I have to push $1k every month from...
by Voltron
Tue Aug 08, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Signature VISA
Replies: 29
Views: 4941

Re: Alliant Credit Union Signature VISA

Interesting. I posted an application for same Signature VISA today. The 2.5% cash rewards is what drew me to this card. I am not retired so will see what happens. I'll keep you posted.
by Voltron
Tue Jul 25, 2017 11:37 pm
Forum: Personal Investments
Topic: Medical School Variable vs Fixed
Replies: 3
Views: 648

Re: Medical School Variable vs Fixed

I am sure you are a diligent student but things happen in life or school. Unpredictable. I've seen worse case scenarios with my medical school classmates and friends such as career changes, family problems or deaths, or academic obstacles delay or prevent graduation. I wouldn't let 9K in savings det...
by Voltron
Mon Jul 10, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: HELPPP! What woudl be the best place to combine debt and way to pay it off?
Replies: 11
Views: 1387

Re: HELPPP! What woudl be the best place to combine debt and way to pay it off?

What is her interest rate? It is unlikely she can consolidate her loans like what happened in 2005 for me with federal student loans for college and medical school. My interest rate was 2.875% which is ridiculously low. Private sector may have another viewpoint. $145K in student loans is not horribl...
by Voltron
Thu Jul 06, 2017 9:15 pm
Forum: Personal Investments
Topic: Medallion signature guarantee for smaller investments?
Replies: 12
Views: 1585

Re: Medallion signature guarantee for smaller investments?

Transferred 100K from Schwab to Vanguard taxable account. Scribbled on forms that "Schwab doesn't require a medallion signature." It went through last month.
by Voltron
Thu Jun 29, 2017 6:59 pm
Forum: Personal Investments
Topic: 7 x $35 = $245 rookie mistake?
Replies: 13
Views: 3037

Re: 7 x $35 = $245 rookie mistake?

You made the safe decision. I too learned the hard way. I had no rationale when I did a transfer of Roth IRA from Schwab to Vanguard. I did not even consider a check could take 60 days. It was impulse. Why my regret? Selling schwab funds via a schwab account has no transaction fees. I'm so dumb. Now...
by Voltron
Wed Jun 28, 2017 1:46 pm
Forum: Personal Investments
Topic: Best Alternative to Vanguard (Taxable Investing)
Replies: 20
Views: 3224

Re: Best Alternative to Vanguard (Taxable Investing)

Schwab or Fidelity.

I love Schwab customer service.

That said, perhaps your 401K is serviced by one of the two custodians above? Sometimes simplicity if you choose a taxable in same custodian if it is one of those too.
by Voltron
Tue Jun 27, 2017 8:30 pm
Forum: Personal Investments
Topic: Kaiser Permanente 401(k) fee question
Replies: 8
Views: 1574

Re: Kaiser Permanente 401(k) fee question

Interesting. Southern California for the physicians is run by Schwab.