Search found 19 matches

by Carini
Thu Apr 08, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1709
Views: 104059

Re: What are you listening to now

rage_phish wrote: Wed Apr 07, 2021 2:38 pm Same thing I always listen to when spring comes and the weather gets nice out, Grateful Dead.

Nothing beats a spring day, windows open and GD turned up loud
A group of us try and do each Europe 72 show on the anniversary date each year. Always look forward to it.
by Carini
Thu Mar 11, 2021 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone offering good HELOC pricing?
Replies: 9
Views: 1182

Re: Anyone offering good HELOC pricing?

My ThirdFederal HELOC (approximately 1.5 years old) does require monthly principal payments, in addition to the 2.24% interest, but they are very small. For example, the principal amount included in my last payment was roughly .2% of my outstanding balance. So yes, principal was paid but not much re...
by Carini
Wed Feb 05, 2020 11:34 am
Forum: Personal Consumer Issues
Topic: Charleston, SC
Replies: 6
Views: 1061

Re: Charleston, SC

Go the Darling Oyster Bar and order the chowder fries and a bloody mary. Maybe two of each.
by Carini
Fri Sep 13, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Best Leaf Blower?
Replies: 70
Views: 5377

Re: Best Leaf Blower?

Buy it once and buy it right. I have a Stihl professional backpack blower. It has never failed me. +1 I started with a Stihl handheld, which was good, but didn't have the power to keep the pile moving once it reached a certain size. I upgraded to the Stihl backpack and it was absolutely worth it.
by Carini
Tue Aug 13, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Looking for lake house in Southeast, recommendations
Replies: 15
Views: 2381

Re: Looking for lake house in Southeast, recommendations

My in-laws live on Lake Keowee and the houses directly on the lake are certainly expensive. You could easily spend a million dollars on the larger properties. If you don't want/need to be directly on the water you will spend much less. I believe there is also a decent size HOA fee in their community...
by Carini
Fri Apr 12, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1844
Views: 275624

Re: Using Fidelity Cash Management as my only bank account

FYI, in a conversation I just had with a Premium Services rep, I was told that ATM transactions are not covered by overdraft protection. This is not what I have experienced. I have had no problem getting cash from an ATM when I had little to no balance in the FDIC insured portion of the CMA. The AT...
by Carini
Thu Mar 28, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 154
Views: 50722

Re: Primer on Paying Taxes With a Credit Card

Great post, thanks. On the max estimated tax transactions per quarter, is this limitation imposed by the IRS? I clicked around a bit but couldn't find anything definitive on this at any of the IRS approved processor sites. Thanks again for the detailed info. I bumped into the limit when paying with...
by Carini
Wed Mar 27, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 154
Views: 50722

Re: Primer on Paying Taxes With a Credit Card

OP, thanks for posting this. Have you actually done this before and is it true that the only charges are the rates quoted? Done this, it works. If you are paranoid, set your cash advance limit to $0. Seconded. I've paid taxes with a card several times and all transactions posted as a purchase. If s...
by Carini
Thu Mar 21, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1844
Views: 275624

Re: Using Fidelity Cash Management as my only bank account

I did this about 9 months ago and am kicking myself for not doing it sooner. It has simplified a number of things, allowed me to eliminate accounts at other institutions and I have yet to encounter a situation where I felt like I was missing out on anything. Transfers are instant to my Fidelity inve...
by Carini
Tue Mar 19, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 1168

Re: IRA Transfer into TSP

Access to the backdoor roth was my motivation for moving the IRA to the TSP.
by Carini
Tue Mar 19, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: IRA Transfer into TSP
Replies: 17
Views: 1168

Re: IRA Transfer into TSP

I suggest staying all over Vanguard on this transaction. They butchered my request to transfer a Rollover IRA into the TSP. Vanguard handled it very poorly and the agents were not helpful in sorting out the problems. The upshot is that we had a significant amount of money not invested in the market...
by Carini
Tue Mar 19, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Where do you pay quarterly taxes?
Replies: 36
Views: 4941

Re: Where do you pay quarterly taxes?

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.
by Carini
Fri Feb 22, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity and Paypal
Replies: 3
Views: 2264

Re: Fidelity and Paypal

Maybe so, maybe not! :sharebeer
by Carini
Thu Feb 21, 2019 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity and Paypal
Replies: 3
Views: 2264

Re: Fidelity and Paypal

As long as you send it via paypal's send money functionality you will not incur a fee. I do this from a Fidelity CMA and have never paid a fee. Just make sure you are not using the pay for a good or service feature and you will be fine. The confirmation screen should display that the fee is $0.00 be...
by Carini
Tue Jan 22, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: bathroom vent condensation moisture
Replies: 23
Views: 2451

Re: bathroom vent condensation moisture

I think I fixed this exact issue in our house over the weekend. Every winter the upstairs bathroom fan would start to drip once the temperature dropped to around freezing. Our fan was connected to a metal duct, no insulation at all, that vented to the gable in the attic. When I went up in the attic ...
by Carini
Fri Jan 18, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: HSA [How do I organize expenses for future reimbursement?]
Replies: 35
Views: 2941

Re: HSA [How do I organize expenses for future reimbursement?]

Also curious about this. Do you keep an image of the credit card receipt from the provider or the EOB from the insurance company or both? Thanks.
by Carini
Fri Jan 18, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Any MD pursued a CFA? Thoughts?
Replies: 34
Views: 5412

Re: Any MD pursued a CFA? Thoughts?

I'm not an MD but am a CFA Charterholder and I would make sure you understand the time commitment required to see this through to the end. I also agree that the work requirement could be an issue given your field. I completed the program about a decade ago by taking Level I in December, Level II in ...
by Carini
Fri Jan 11, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1844
Views: 275624

Re: Fidelity Cash Management Account - Investments

I also use FZDXX within the CMA and keep zero cash in the FDIC insured portion of the account with no issues. I've used the ATM, web bill pay, transfers to other Fidelity accounts, written checks and executed auto pays from CCs, etc. Each time the exact amount is sold from FZDXX to cover. Any deposi...
by Carini
Mon Aug 27, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Benefits of govx?
Replies: 3
Views: 1090

Re: Benefits of govx?

We used govx for Legoland tickets earlier this year and it worked fine. A travel agent friend said the govx price was $10 / ticket better than anything she could get for us. On the product side everything I've looked at on govx was generally price competitive until you got to the shipping fees. At t...