Search found 150 matches
- Sat Dec 07, 2019 2:10 pm
- Forum: Investing - Theory, News & General
- Topic: Class action settlement ARCP
- Replies: 0
- Views: 144
Class action settlement ARCP
I was wondering if anyone has received paperwork regarding ARCP settlement in the mail. I have investment in this security during 2013-2018. The stock went down on announcement of accounting irregularities. As part of obtaining a portion of potential settlement, I need to file a claim and release Fo...
- Sat Nov 23, 2019 4:45 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Re: Not sure if I was hacked
No. I went to microsoft website and found support.
- Sat Nov 23, 2019 4:42 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Re: Not sure if I was hacked
I did. It did not show any activity. The link did take me to real microsoft website. Because after I changed my password and added two step process. I was able to go to microsoft website support and chat to confirm it. They claim that the email address of the sender is legit. But I wonder if the ema...
- Sat Nov 23, 2019 4:14 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Re: Not sure if I was hacked
It took me to microsoft window account
- Sat Nov 23, 2019 3:29 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Re: Not sure if I was hacked
Also after a chat with microsoft, the linked I used, did actually set up a 2 step security with microsoft. Can hacker link actually work with microsoft ? Could he email have been real?
- Sat Nov 23, 2019 3:26 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Re: Not sure if I was hacked
Thank you for the reply. I generally never click on email link. However, I had a difficulty signing into my account. This is why I clicked on it thinking they might have stopped my account to protect. Also, the email had both first actual first and last name. Can you recommend any anti malware other...
- Sat Nov 23, 2019 3:19 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Re: Not sure if I was hacked
So window does not send email like that? I chatted with microsoft. They can not confirm or deny the email as it can be auto generated. I am also worried if the link if spam might have installed a virus. Anyway I can check other than microsoft defender? Thanks
- Sat Nov 23, 2019 3:09 pm
- Forum: Personal Consumer Issues
- Topic: Not sure if I was hacked
- Replies: 23
- Views: 1698
Not sure if I was hacked
Just received email from windows : Security info replacement Someone started a process to replace all of the security info for the Microsoft account *****. If this was you, click the button below to bypass the waiting period by using your existing security info. This was me If this wasn't you, someo...
- Sat Nov 23, 2019 11:42 am
- Forum: Investing - Theory, News & General
- Topic: 199A business tax deduction question
- Replies: 13
- Views: 481
Re: 199A business tax deduction question
My advice knowing about typical income for doctors is to forget about 199A deduction. Even if you meet the threshold this year, you certainly won't make it following years. It is better to do what you need in a normal course of business/. You might want to also take a look at this https://www.kiplin...
- Thu Nov 14, 2019 4:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental savings plans, anyone using one?
- Replies: 15
- Views: 1175
Re: Dental savings plans, anyone using one?
Yes. Individual dental insurance are not going to cover much and the cash benefit most likely will not be more than the cost. But for us it was more about getting the best negotiated price for dental work. I wish dentist would just give the best price to self pay vs insurance. They get paid faster a...
- Thu Nov 14, 2019 4:24 pm
- Forum: Personal Finance (Not Investing)
- Topic: Dental savings plans, anyone using one?
- Replies: 15
- Views: 1175
Re: Dental savings plans, anyone using one?
So here is my experience with dental saving (aetna). We were told by our dentist that the cost for crown (my wife) would be cheaper with aetna savings vs what the dentist would normally charge. It ended up being $1,800 with aetna savings. They said it would have been $2,500 otherwise. Ended up payin...
- Tue Nov 05, 2019 4:55 pm
- Forum: Personal Consumer Issues
- Topic: Is there a website that shows what people paid for a new car
- Replies: 3
- Views: 571
Is there a website that shows what people paid for a new car
It would be interesting to know about how much off msrp one can get. Thanks
- Tue Nov 05, 2019 9:30 am
- Forum: Personal Consumer Issues
- Topic: Electric shavers - foil vs rotary
- Replies: 24
- Views: 1986
Re: Electric shavers - foil vs rotary
Yes. That is what I am planning to use it for only. And it doesn't need to be too fancy or expensive. I have also only used foil but was wondering if rotary will do a better job at those hard to get areas. And it doesn't need to be very close shave. My current foil shaver doesn't do a great job.
- Tue Nov 05, 2019 9:06 am
- Forum: Personal Consumer Issues
- Topic: Electric shavers - foil vs rotary
- Replies: 24
- Views: 1986
Electric shavers - foil vs rotary
I shave daily with safety razor which I like better than cartridge. It is cheaper and feels better. However, it is harder to shave under the nose and chin area without cutting myself. After I shave, I then use a electric shaver(foil type) to quickly shave those areas and on top of my ears (hair grow...
- Sat Oct 26, 2019 2:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: ACA 2020 pricing [What's your 2020 pricing?]
- Replies: 38
- Views: 4143
Re: ACA 2020 pricing [What's your 2020 pricing?]
Live in CT. The cheapest option for a family of 4 with very high deductible is $1609 a month. An increase of 9.8% from last year. We get no subsidy so this is a huge burden for us. Forgot to mention. It was up 6.9% for premium and 3% for age for a total of 9.9% increase from last year. For 2019 we ...
- Sat Oct 26, 2019 10:27 am
- Forum: Investing - Theory, News & General
- Topic: Dividend reinvestment
- Replies: 14
- Views: 1748
Re: Dividend reinvestment
Thanks for the reply. The lower price was at citibank. Perhaps each brokerage has different policy. I will see how this works in few qtrs. If TD is consistently costing more than I will call them and find out what is going on.
- Sat Oct 26, 2019 9:57 am
- Forum: Investing - Theory, News & General
- Topic: Dividend reinvestment
- Replies: 14
- Views: 1748
Re: Dividend reinvestment
For VTI one was invested at 152.65 and the other at 153.04. The higher price one was TD Ameritrade.
- Sat Oct 26, 2019 9:54 am
- Forum: Investing - Theory, News & General
- Topic: Dividend reinvestment
- Replies: 14
- Views: 1748
Re: Dividend reinvestment
Yes. Not at Vanguard. The same exact ETF
- Sat Oct 26, 2019 9:30 am
- Forum: Investing - Theory, News & General
- Topic: Dividend reinvestment
- Replies: 14
- Views: 1748
Dividend reinvestment
I have Vanguard total market ETF at two different brokerage account with div reinvestment. The purchase price for dividends reinvested was different. How does it work? Is there a set time each brokerage decides to purchase these shares? Is there a risk of overpaying at some brokerage house? Am I bet...
- Sat Oct 26, 2019 8:16 am
- Forum: Personal Finance (Not Investing)
- Topic: ACA 2020 pricing [What's your 2020 pricing?]
- Replies: 38
- Views: 4143
Re: ACA 2020 pricing [What's your 2020 pricing?]
Live in CT. The cheapest option for a family of 4 with very high deductible is $1609 a month. An increase of 9.8% from last year. We get no subsidy so this is a huge burden for us.
- Tue Oct 22, 2019 3:29 pm
- Forum: Personal Consumer Issues
- Topic: Subaru Legacy
- Replies: 9
- Views: 999
Re: Subaru Legacy
Thank you. It is good to hear that Subaru is having less CVT issues as this is one of our biggest concerns. I am having a hard time deciding between the base engine vs. a turbo engine for the legacy. Our Impreza (basic version) has worked fine for us, but its engine does seem a bit lackluster, espec...
- Tue Oct 22, 2019 2:25 pm
- Forum: Personal Consumer Issues
- Topic: Subaru Legacy
- Replies: 9
- Views: 999
Subaru Legacy
We are looking to upgrade our 2014 Subaru Impreza and think the new 2020 Legacy might be a good option. We need AWD and a sedan, not many options out there. We have narrowed it down to Legacy limited and Legacy Limited XT (turbo). The best price for limited we got from dealer is $28,850 and XT is ab...
- Sat Sep 14, 2019 10:35 am
- Forum: Personal Consumer Issues
- Topic: Altice Mobile
- Replies: 14
- Views: 1644
Altice Mobile
We got an offer from our cable company for Altice mobile plan at $20 per line for life. It says it is for unlimited everything and includes 1G outside US for 35 countries. It does not include fees and taxes. We are currently paying $30 for 2G plan from metropcs. Does anyone use Altice mobile? How is...
- Tue Sep 03, 2019 9:46 am
- Forum: Investing - Theory, News & General
- Topic: Selling Bond in Fidelity
- Replies: 3
- Views: 370
Selling Bond in Fidelity
Fidelity is a good place to buy individual bonds as they only charge $1 for every $1000 purchase. I usually hold the bond to maturity but decided to sell one of the bonds over the last two trading days. I can see the bid/ask for the bond and the depth of book (total number of bid/offers). I put orde...
- Sat Aug 10, 2019 7:55 am
- Forum: Personal Finance (Not Investing)
- Topic: $3,400/yr seem reasonable for insurance? Reduce this cost???
- Replies: 27
- Views: 2754
Re: $3,400/yr seem reasonable for insurance? Reduce this cost???
Raise your deductible, that would save you a good amount.
- Wed Jul 17, 2019 7:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Risks of buying a Bay Area home with 4-year time horizon?
- Replies: 26
- Views: 2493
Re: Risks of buying a Bay Area home with 4-year time horizon?
Generally, With closing costs both buying and selling, 4 years is too short of time to buy a property. I would rent not buy in that situation.
- Sat Jul 06, 2019 5:08 pm
- Forum: Personal Investments
- Topic: Anyone here investing in Prison REITs?
- Replies: 30
- Views: 3035
Re: Anyone here investing in Prison REITs?
The issue with prison REIT is liability that is associated with the nature of business in addition to political environment. I would not buy the common but the short term bonds might be ok if you are willing to take the risk.
- Sat Jul 06, 2019 5:06 pm
- Forum: Personal Investments
- Topic: Anyone here investing in Prison REITs?
- Replies: 30
- Views: 3035
Re: Anyone here investing in Prison REITs?
I was curious about the companies behind the private prisons. At least two of them are publicly traded REITs: GEO and CXW, and they return 8% and 9% dividends right now. That's insanely high. The market for prisons is also unlikely to dry up. Of course there are ethical concerns -- that I'll ask yo...
- Sat Jul 06, 2019 5:00 pm
- Forum: Personal Investments
- Topic: Anyone here investing in Prison REITs?
- Replies: 30
- Views: 3035
Re: Anyone here investing in Prison REITs?
I recently bought Geo 2022 bond paying over 6%.
- Sat Jul 06, 2019 3:57 pm
- Forum: Personal Investments
- Topic: Pick one: $135,000 rental property or $110,000 in REITs
- Replies: 89
- Views: 11683
Re: Pick one: $135,000 rental property or $110,000 in REITs
Not sure if this was mentioned before. VNQ dividend yield is not the cap rate. Most REITS distribute less than FFO. So to do the same comparison, you need to look at VNQ's effective FFO for their holdings.
- Fri Jul 05, 2019 11:44 am
- Forum: Personal Consumer Issues
- Topic: Gillette Skinguard razor
- Replies: 5
- Views: 888
Re: Gillette Skinguard razor
I switched to safety razor last year from Gillette with no regrets. I wished I had done that sooner.
- Tue Jul 02, 2019 7:37 am
- Forum: Personal Investments
- Topic: How do I find preferred stock IPO?
- Replies: 0
- Views: 240
How do I find preferred stock IPO?
I don't see them being offered by Fidelity unless I am missing something. Thanks for input.
- Sat Jun 22, 2019 7:58 am
- Forum: Personal Investments
- Topic: Asset Allocation Question.
- Replies: 14
- Views: 1530
Re: Asset Allocation Question.
I just paid off my mortgage too. I did not see a point in paying more than what my bond portfolio was earning. If your SS, pension and RMD is more than what you need after the mortgage payments are gone, than leave the allocation unchanged.
- Wed Jun 12, 2019 10:23 am
- Forum: Personal Finance (Not Investing)
- Topic: How to preserve $10M+ in wealth owned by unsophisticated people?
- Replies: 82
- Views: 15539
Re: How to preserve $10M+ in wealth owned by unsophisticated people?
I have not read all the replies. OP you seem smart and knowledgeable. I think you mentioned Vanguard annuity. You can also look into Fidelity which has very low cost annuity as well. The good thing about your parents assets is that a big chunk is still in RE, so much harder for them to destroy. Mayb...
- Sat Jun 08, 2019 11:57 am
- Forum: Personal Finance (Not Investing)
- Topic: Lawsuit settlement
- Replies: 13
- Views: 1754
Re: Lawsuit settlement
A CPA should be fine. No need for tax attorney.
- Wed Jun 05, 2019 9:19 am
- Forum: Investing - Theory, News & General
- Topic: Tax deferred equity type investment. Berkshire as option?
- Replies: 3
- Views: 329
Tax deferred equity type investment. Berkshire as option?
How diversified is Berkshire Hathaway vs S&P 500? Is there e a risk to Berkshire stock if Warren Buffet passes away? Is there any broad market Index fund that does not pay dividends? Thanks
- Tue Jun 04, 2019 8:45 am
- Forum: Personal Investments
- Topic: 29 year old, just closed account at Morgan Stanley and seeking advice
- Replies: 5
- Views: 1314
Re: 29M, just closed account at Morgan Stanley and seeking advice
I would personally would go with the Vanguard ETF option. I don't think you would need Int'l Bond allocation. Given your age, I think your proposed allocation looks good. I would generally rebalance once my target allocation is off by about 5% from target, not based on time. I would not sell your in...
- Sat Jun 01, 2019 7:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Quicken Fidelity account download [not working]
- Replies: 9
- Views: 727
Re: Quicken Fidelity Download
Yes. I did. I also posted the question this morning
- Sat Jun 01, 2019 6:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Quicken Fidelity account download [not working]
- Replies: 9
- Views: 727
Quicken Fidelity account download [not working]
Does anyone else have issue with downloading activity from Fidelity today? Quicken gives me error during download. I was wondering if there was a change starting 6/1/2019 tat i was not aware of. Or just a temp error. Thanks
- Wed May 29, 2019 9:22 am
- Forum: Personal Finance (Not Investing)
- Topic: Deferring taxable income for ACA
- Replies: 10
- Views: 513
Re: Deferring taxable income for ACA
The rest are in taxable accounts. Of the 140K total income, about half is from fixed income portfolio currently. We are not taking any income from tax deferred accounts.
- Wed May 29, 2019 9:17 am
- Forum: Personal Finance (Not Investing)
- Topic: Deferring taxable income for ACA
- Replies: 10
- Views: 513
Re: Deferring taxable income for ACA
Thanks for the reply. In order to get full subsidy, our income needs to be under 80K, partial subsidy until we reach 100K. I think our current taxable income is around $140K.
- Wed May 29, 2019 9:03 am
- Forum: Personal Finance (Not Investing)
- Topic: Deferring taxable income for ACA
- Replies: 10
- Views: 513
Deferring taxable income for ACA
I am trying to find ways to defer income for ACA purpose. Right now we don’t qualify for any subsidy. Unfortunately our health premium has tripled since ACA . We live in a area that has low hospital competition and state requires many additional coverage under aca. Our monthly premium was $830 a mon...
- Thu May 23, 2019 6:56 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage almost paid off
- Replies: 31
- Views: 3601
Re: Mortgage almost paid off
Thanks. I will contact them about the payoff amount and other concerns.
- Thu May 23, 2019 6:43 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage almost paid off
- Replies: 31
- Views: 3601
Re: Mortgage almost paid off
Thanks for the reply. I was hoping to avoid going through with the payoff procedure. I had to do that once and pay them an exact amount by certain day and pay additional fee. I don't mind of they take too much in the second month as long as they automatically stop additional monthly withdraw and eve...
- Thu May 23, 2019 6:33 am
- Forum: Personal Finance (Not Investing)
- Topic: Mortgage almost paid off
- Replies: 31
- Views: 3601
Mortgage almost paid off
I am very excited be almost done with our mortgage. I have $10K balance left on mortgage since I made additional principal payment during the year. And my monthly mortgage is about 7K each month. What would happen in the month two? Would the bank take partial withdrawal (automatic withdrawal agreeme...
- Wed May 22, 2019 8:34 am
- Forum: Personal Finance (Not Investing)
- Topic: Lowest cost 529 investment cost for out of state
- Replies: 7
- Views: 379
Re: Lowest cost 529 investment cost for out of state
Thanks. I will look at those mentioned.
- Wed May 22, 2019 8:04 am
- Forum: Personal Finance (Not Investing)
- Topic: Lowest cost 529 investment cost for out of state
- Replies: 7
- Views: 379
Lowest cost 529 investment cost for out of state
Does anyone know which state allows nonesident to open 529 and has the total lowest expense for a S&P 500 or total market type of investment. Total expense including underlying fund fee as well as any other program fees. Thank You.
- Tue May 07, 2019 8:53 am
- Forum: Personal Finance (Not Investing)
- Topic: Tax implications of holding personal residence in trust
- Replies: 9
- Views: 1246
Re: Tax implications of holding personal residence in trust
Usually principal residence are put in revocable trust for probate avoidance. In that case, the trust is ignore for tax issues and it is treated as if it was owned individually. The only reason I can think why it was placed in irrevocable trust would be for medicaid or liability issues. I think your...
- Mon Apr 29, 2019 6:09 pm
- Forum: Personal Consumer Issues
- Topic: Internet and computer safety
- Replies: 13
- Views: 954
Re: Internet and computer safety
Thanks. Just being a little paranoid.
- Mon Apr 29, 2019 5:50 pm
- Forum: Personal Consumer Issues
- Topic: Internet and computer safety
- Replies: 13
- Views: 954
Re: Internet and computer safety
Thanks. I guess I am wondering if there is a major difference between windows defender vs other paid programs or services. Also, would those program let you know if your wifi router or cable modem is compromised?