Search found 150 matches

by Cpadave
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...
by Cpadave
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.
by Cpadave
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...
by Cpadave
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
by Cpadave
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?
by Cpadave
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...
by Cpadave
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
by Cpadave
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...
by Cpadave
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...
by Cpadave
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...
by Cpadave
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...
by Cpadave
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
by Cpadave
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.
by Cpadave
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...
by Cpadave
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 ...
by Cpadave
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.
by Cpadave
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.
by Cpadave
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
by Cpadave
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...
by Cpadave
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.
by Cpadave
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...
by Cpadave
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...
by Cpadave
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...
by Cpadave
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...
by Cpadave
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.
by Cpadave
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.
by Cpadave
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.
by Cpadave
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...
by Cpadave
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%.
by Cpadave
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.
by Cpadave
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.
by Cpadave
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.
by Cpadave
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.
by Cpadave
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...
by Cpadave
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.
by Cpadave
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
by Cpadave
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...
by Cpadave
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
by Cpadave
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
by Cpadave
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.
by Cpadave
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.
by Cpadave
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...
by Cpadave
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.
by Cpadave
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...
by Cpadave
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...
by Cpadave
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.
by Cpadave
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.
by Cpadave
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...
by Cpadave
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.
by Cpadave
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?