Search found 504 matches

by 28fe6
Fri Jul 03, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Navigating tight housing markets
Replies: 30
Views: 1967

Re: Navigating tight housing markets

Follow-up data: 370k house, viewed it first day on the market. Made a full price offer but the sellers accepted another offer before viewing ours. 320k house, viewed it first morning on the market and offered full price right then, sellers let the offer expire. 300k house, posted the same morning as...
by 28fe6
Thu Jun 25, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Navigating tight housing markets
Replies: 30
Views: 1967

Re: Navigating tight housing markets

double post
by 28fe6
Thu Jun 25, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Navigating tight housing markets
Replies: 30
Views: 1967

Re: Navigating tight housing markets

I would like to keep this thread focused on how to successfully buy houses in hot markets. Especially, how to get an offer in at the earliest opportunity, and how to make sure it is accepted. I appreciate the advice from people telling me to reconsider buying, but that's a separate topic. The rapid ...
by 28fe6
Thu Jun 25, 2020 12:05 am
Forum: Personal Consumer Issues
Topic: Any Instant Pot users here?
Replies: 165
Views: 20086

Re: Any Instant Pot users here?

The problem I have with Instant Pot cookbooks is there are always hundreds of recipes. I need like a "top 5" type of cookbook. I started with an 8-quart and just got rid of it in favor of a 3-quart. Much more counter space and I wasn't using the capacity of the 8-quart for 90% of things. For me the ...
by 28fe6
Thu Jun 25, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Navigating tight housing markets
Replies: 30
Views: 1967

Navigating tight housing markets

I'm shopping for a house in market where houses typically sell the same day on the market. Recently I placed a full-price offer on a property the same day it listed, and my offer was rejected in favor of a better offer. There is basically no time to actually view a property before making an offer. I...
by 28fe6
Wed Jun 24, 2020 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Merit increase: lump sum bonus vs additional PTO?
Replies: 22
Views: 1155

Re: Merit increase: lump sum bonus vs additional PTO?

Can you cash out PTO? If so, then take it as PTO, and if you don't use it, cash it out.
by 28fe6
Sat Jun 20, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to develop a city lot
Replies: 16
Views: 1632

Re: Cost to develop a city lot

Thanks for all the responses. My situation changed, but I thought I would continue this thread rather than start another. How does the advice differ in case of a suburban subdivision rather than a city lot? Now I have found a very prime (location and view) empty lot in a 20-year-old, very good neigh...
by 28fe6
Sat Jun 20, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ally mortgage?
Replies: 6
Views: 1044

Ally mortgage?

I'm soon shopping for a conventional mortgage. I usually compare 2 or 3 different lenders and go with the lowest rate and fees. Has anyone ever used Ally for mortgages? Usually I assume banks are not competitive, but I thought maybe Ally would be different because it's online-only and their other pr...
by 28fe6
Wed Jun 17, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Fidelity 2% Cash Back credit card
Replies: 167
Views: 10050

Re: Disappointed in Fidelity 2% Cash Back credit card

I assumed that anyone getting a Fidelity card, already has a Fidelity account, or multiple.

I have the card and think it's one of the best. I only wish it were better for international use.
by 28fe6
Thu Jun 11, 2020 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Ally Card Controls app
Replies: 1
Views: 211

Ally Card Controls app

This has been a problem for me ever since I started using Ally like 2 years ago. I got a replacement debit card in the mail from Ally because apparently the previous one expired. After activating the card, nothing in the process told me which of my accounts the card is for. Once again I downloaded t...
by 28fe6
Thu Jun 04, 2020 9:10 am
Forum: Personal Consumer Issues
Topic: can I shorten a pdf file?
Replies: 35
Views: 2050

Re: can I shorten a pdf file?

On Linux, pdftk is a good option, although it doesn't support encrypted pdfs. It also lets you rotate single pages and re-collate pdfs into "book" type orders, great for fixing up scanned documents.
by 28fe6
Sun Mar 29, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: [TurboTax error importing Ally 1099's]
Replies: 7
Views: 803

Re: Ally Bank 1099 form error

I had this problem too. It said I only received $2.17 in interest, because that's the amount I received from ONE of my Ally accounts. The one on the first page of the 1099. Pretty sad I paid $55 for this.
by 28fe6
Wed Mar 25, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24474

Re: Are you still going to the grocery store or using a delivery service? Which?

I've had Walmart Unlimited since last year. Various things have been sold out and there have been days its not available but it's generally been working. Delivery drivers started almost expecting me to have them leave the groceries at the street, but so far I have them bring them to the door as norm...
by 28fe6
Tue Mar 24, 2020 8:40 am
Forum: Personal Consumer Issues
Topic: Costco Senior hour Tue and Thur
Replies: 70
Views: 5779

Re: Costco Senior hour Tue and Thur

I thought age wasa federally protected category.
by 28fe6
Mon Mar 23, 2020 9:33 pm
Forum: Personal Investments
Topic: Who else is Dollar Cost Averaging to the bottom?(Wherever that is?)
Replies: 9
Views: 1548

Re: Who else is Dollar Cost Averaging to the bottom?(Wherever that is?)

I had cash from my last house (renting now) and I left most of it cash, because I don't know when I will buy the next one. But with stocks dropping like this, and mortgage rates in no danger of going up, I started buying small lots of stock with it. I'm still going to keep enough cash to make a 20% ...
by 28fe6
Sat Mar 14, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Anybody here go all-Linux for personal computing?
Replies: 116
Views: 9139

Re: Anybody here go all-Linux for personal computing?

I have been windows-free since 2006.

Backpedal: I always have a work laptop that I sometimes use to run tax software. But I also used online tax software under Linux with no problems.
by 28fe6
Wed Mar 11, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA to Avoid 22% tax bracket, or just go Roth?
Replies: 9
Views: 680

Re: Traditional IRA to Avoid 22% tax bracket, or just go Roth?

I was in this zone for many years. I always went traditional, preferring to defer 22%. However, as mentioned above, the deduction phase-out is very close to the edge of the 22% bracket, so several times I had to recharacterize some to Roth anyway, which is a hassle. Now I just do Roth to avoid havin...
by 28fe6
Sun Mar 08, 2020 11:16 pm
Forum: Investing - Theory, News & General
Topic: Using a 0% APR credit card as leverage
Replies: 26
Views: 1595

Re: Using a 0% APR credit card as leverage

I did it, except I did it to bunch up charitable donations one year. It worked out ok for that.
by 28fe6
Tue Mar 03, 2020 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution--calculation of Net Investment Income
Replies: 10
Views: 399

Re: Excess HSA contribution--calculation of Net Investment Income

I talked to Fidelity but they wanted me to get the NIA amount from the previous custodian, as if it were reported in 1099-SA box 2. I don't have it, so I will call Fidelity again and see how they want to handle it. Previous custodian is not playing ball whatsoever. I spent almost 3 hours on the phon...
by 28fe6
Tue Mar 03, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution--calculation of Net Investment Income
Replies: 10
Views: 399

Re: Excess HSA contribution--calculation of Net Investment Income

Unfortunately it's not going well. The previous custodian is not helping and they are the only ones who can really provide the information. According to the resource above, this is what needs to happen: 1. Calculate the net income attributable (NIA) to the excess (previous custodian needs to do this...
by 28fe6
Mon Mar 02, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best Visa Credit Card
Replies: 24
Views: 1879

Re: Best Visa Credit Card

If you are signing up for a new card, the correct answer is "whichever card has the largest sign-up bonus".

Sign-up bonuses tend to overshadow other card benefits for the first several years.

Aside from that I also like my Fidelity 2% Visa.
by 28fe6
Wed Feb 26, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: The "Stuff" Happens Fund - for when life's not fair
Replies: 10
Views: 1281

Re: The "Stuff" Happens Fund - for when life's not fair

I don't have a separate fund, but I have a mental budget for this. I read about companies who operate in areas with gangs or organized crime, who have a budget line-item for bribery and "protection" money. As long as they operate, they know there are going to be losses, so they just plan accordingly...
by 28fe6
Tue Feb 25, 2020 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution--calculation of Net Investment Income
Replies: 10
Views: 399

Re: Excess HSA contribution--calculation of Net Investment Income

I have to withdraw the excess by April 15th or else pay 6% penalty. I did not get a 1099-SA from my previous custodian. I tried and gave up because they are extremely difficult to work with. TurboTax said I don't need a 1099-SA if there were no distributions, so I thought I was off the hook. But I t...
by 28fe6
Tue Feb 25, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Excess HSA contribution--calculation of Net Investment Income
Replies: 10
Views: 399

Excess HSA contribution--calculation of Net Investment Income

I front-loaded my HSA in 2019, then I quit and went to an employer with no eligible HDHP. Thus, I have an excess HSA contribution. Also, upon changing jobs I immediately rolled the HSA to Fidelity to avoid the very high fees of my previous employer's custodian. Now I have to fix it on my 2019 taxes....
by 28fe6
Sat Feb 22, 2020 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Interest only mortgage: the conservative choice?
Replies: 87
Views: 8027

Re: Interest only mortgage: the conservative choice?

Interest-only will not impact your net worth, assuming you invest or save the saved interest elsewhere. I think that interest-only can increase your liquidity but should have no net worth impact. Am I wrong?
by 28fe6
Thu Feb 20, 2020 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Donating stocks held less than 1 year
Replies: 2
Views: 176

Re: Donating stocks held less than 1 year

Good to know...now I'm trying to understand the implications. I bought the same securities back right after donating them. As far as I can tell, basically the end tax result is the same as if I held and donated an amount of cash equal to the cost basis of the securities, then bought the (appreciated...
by 28fe6
Thu Feb 20, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Donating stocks held less than 1 year
Replies: 2
Views: 176

Donating stocks held less than 1 year

Last year I donated appreciated stocks which I had held less than 1 year. When I enter them in TurboTax as charitable donations, for some reason it is only showing the donation to be equal to the cost basis of the stock, not the appreciated sale amount. Is this normal?
by 28fe6
Thu Feb 20, 2020 12:29 am
Forum: Investing - Theory, News & General
Topic: xkcd on stock picking
Replies: 27
Views: 3492

Re: xkcd on stock picking

The same argument is true for market timing. If it's impossible to generate alpha by timing the market, then it's also impossible to fail and generate less. In other words, it's impossible for the market timers to do worse than their overall % of time in the market. So, you might as well market time...
by 28fe6
Wed Feb 19, 2020 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Missing W2
Replies: 4
Views: 340

Missing W2

I can't seem to get a W2 from my previous employer. I have called multiple times and they said they re-mailed it but I still never got it. I'm expecting a tax refund so I don't want to delay doing taxes longer. What can I do? Is there any way to report them to the IRS for not providing my W2?
by 28fe6
Mon Feb 10, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: Best Oil?
Replies: 124
Views: 10337

Re: Best Oil?

Picking motor oils for car is simple. Debating the proper oil and technique for lubricating a bicycle chain is truly controversial and will set off Internet debates like nothing else. Actually there is a good amount of science on bicycle chain lubrication. Most people ignore it, and keep doing what...
by 28fe6
Mon Feb 03, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can I take advantage of CC sign-up bonus by keep opening new cards? Any risk or drawback?
Replies: 18
Views: 1671

Re: Can I take advantage of CC sign-up bonus by keep opening new cards? Any risk or drawback?

I opened two cards last year for a $400 bonus. My credit score actually went up.

I have no idea why companies keep giving me cards, but I haven't seen a drawback yet. I just set up auto pay and go about my business.
by 28fe6
Fri Jan 17, 2020 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Realized we made a major mistake and feeling really sick.
Replies: 162
Views: 14425

If we had all bought $TECHSTOCK 10 years ago, we would all be rich too. This is not a "mistake" by any definition. If it is, you have therefore made MUCH MUCH bigger "mistakes", so I don't know why you are upset about selling the options. You should be much more upset about not buying growth stocks ...
by 28fe6
Tue Jan 07, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4699

Re: Skiing

Just as an update, next time I went to skii I specifically asked for the shorter 158 skiis. The guys working in the shop were split...one of them wanted to push me back to the 166's and the other one was saying the 158s are definitely no problem if that works better for me. I also went down one boot...
by 28fe6
Sun Jan 05, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan for first time
Replies: 44
Views: 2826

Re: Traveling to Japan for first time

Hello all, and thanks for always being ready available to answer questions. Our family is traveling to Tokyo for the first time, primarily to visit Tokyo Disneyland. We also hope to spend (at least) one day visiting sites in the city. A few questions that I have, as we are now within two months of ...
by 28fe6
Wed Jan 01, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: How would you expense a car purchase with financing? Example given.
Replies: 17
Views: 915

Re: How would you expense a car purchase with financing? Example given.

I have a list of assets in my 1-page net-worth spreadsheet. I don't have many, but it includes my house (if any), cars, and boats or RVs or anything I could sell to raise money if I had to. I would add a $20k asset as soon as the car was bought. I update asset values once per year using a best guess...
by 28fe6
Tue Dec 31, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4699

Re: Skiing

OP 28. I am going to the dark side and ask why you are not trying snowboarding? It is also great fun and a great family sport. Many young guys and gals and kids I know all snowboard. It is easy to learn and fun for those who skateboarded as kids. Both my kids learned to ski as kids and then snowboa...
by 28fe6
Sun Dec 29, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4699

Re: Skiing

I'm in Idaho and skiing at Bogus Basin. It's not a grand resort or anything but I just want to learn how to ski for fun and for something I can do with my kids.
by 28fe6
Sun Dec 29, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4699

Re: Skiing

I'd rent until you get things sorted out. My guess is that it is your head. Skiing can be a tricky thing for beginners. Maybe pick up another lesson. The snow conditions could have been different the second time the OP went skiing so that could have also made the experience much different. The seco...
by 28fe6
Sat Dec 28, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Skiing
Replies: 48
Views: 4699

Skiing

I tried skiing for the first time and took a beginner lesson. I am pretty sure they gave me 158cm rental skis. It was great and I was ready to try the blue square runs next time. I was also poised to buy some ski equipment. But the next time I went back they gave me 166cm skis. They said 166 is the ...
by 28fe6
Thu Dec 26, 2019 9:48 am
Forum: Personal Investments
Topic: Tax loss harvesting .....
Replies: 11
Views: 851

Re: Tax loss harvesting .....

OP is correct. Tax loss harvesting is only tax deferral. It's not a guaranteed win at all. I decided I don't want to tax loss harvest. The idea of lowering all my cost basis in my taxable account in order to create future tax bombs is not appealing to me. In fact, I often tax-GAIN harvest on purpose...
by 28fe6
Thu Dec 26, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Job offer at FAANG for $350k - Declining Offer
Replies: 161
Views: 18622

Re: Job offer at FAANG for $350k

I don't know why people assume these big-dollar jobs require huge hours. Maybe they do; it depends more on the company and the role but not the salary. I mean, when I think about the people that I know who make these salaries, they don't work that much more, if at all, than I did when I was a low ra...
by 28fe6
Wed Dec 18, 2019 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is anyone here surviving without a credit card?
Replies: 85
Views: 4304

Re: Is anyone here surviving without a credit card?

Not anymore, but I survived until I was over 30. I had a house before I had a credit card. I think on the balance it probably helped me more than hurt me.
by 28fe6
Sat Dec 14, 2019 9:41 am
Forum: Investing - Theory, News & General
Topic: Too poor to invest - living in the 12% bracket
Replies: 114
Views: 12027

Re: Too poor to invest - living in the 12% bracket

If married, the high end of the 12% bracket is a great place to be. I've since moved firmly into the 22%, plus I can't contribute to a tIRA anymore. Because it's even more important to defer 22% taxes than 12%, I'm practically required to contribute more to 401K and HSA, which cuts cash flow. Thinks...
by 28fe6
Fri Dec 13, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Need high speed scanner for diverse documents
Replies: 53
Views: 2596

Re: Need high speed scanner for diverse documents

I had a thread sort of like this. I'm using my phone and Google Drive app, which has scanning functions built in. It's working out pretty well but I need to get better about taking the few seconds to give a good file name.
by 28fe6
Thu Dec 12, 2019 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to develop a city lot
Replies: 16
Views: 1632

Cost to develop a city lot

I am looking for a house in a city with a very tight housing market. There are several un-improved empty lots in prime downtown locations available. I would consider buying one and building a house, but I don't know how to estimate costs to do that. Has anyone ever done this, and did it work out? Ho...
by 28fe6
Thu Dec 12, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Securing debit cards
Replies: 8
Views: 655

Re: Securing debit cards

My protection is to have only a little bit of money in the account. Ally Bank allows unlimited free checking accounts and unlimited instant transfers between them. I just have my debit card account empty and transfer money right before using an ATM.
by 28fe6
Wed Dec 11, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Uber VISA rewards cut
Replies: 77
Views: 13498

Re: Uber VISA rewards cut

I have another thread about replacing the Uber, but I decided not to cancel it. It will still come in handy because it's a Chip+Pin card, has no foreign transaction fees, so I can use it as an option for overseas trips. I do occasionally use Uber, so I may as well get 5% off Uber rides and UberEats ...
by 28fe6
Tue Dec 10, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Auto oil change
Replies: 54
Views: 4104

Re: Auto oil change

Change once per year at least.
by 28fe6
Tue Dec 10, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Downsizing CDs, Tapes Etc.
Replies: 50
Views: 4028

Re: Downsizing CDs, Tapes Etc.

I donated all my CDs to Goodwill last year after much soul-searching. I did it to save space. 3 cardboard boxes worth. I don't really regret it yet, but I wish I had done something different. Do you know those spindles that bulk CDs are usually packaged on? Just a spindle to hold a stack of 100 CDs?...