Search found 234 matches

by BuddyJet
Fri Nov 22, 2019 8:39 am
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 14
Views: 710

Re: 70+year Oldies: Anyone buying the C8 Corvette?

While I’m lusting the C8, my aversion to year one of anything, particularly this much of a change, is stronger.

BTW, Old Man Tan fits me perfectly.
by BuddyJet
Thu Nov 21, 2019 12:25 pm
Forum: Personal Investments
Topic: Keep or sell inherited municipal bonds
Replies: 25
Views: 1207

Re: Keep or sell inherited municipal bonds

RubyTuesday wrote:
Thu Nov 21, 2019 11:21 am
What state? Maybe someone on BH would buy
Out of curiosity, is a person to person bond sale possible?
by BuddyJet
Thu Nov 21, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: Spending money to make travel easier and luxurious?
Replies: 38
Views: 3136

Re: Spending money to make travel easier and luxurious?

My splurge is hiring a guide for the day. I've had good luck with toursbylocals.com I usually look for an older, retired guide since their interest and knowledge is usually better for me than a younger, hipper guide. Given the length of your say, I'd probably check a bag but be sure to pack several ...
by BuddyJet
Thu Nov 21, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 78
Views: 5671

Re: Schwab acquiring TD Ameritrade

I was afraid this will happen when Schwab announced $0 commissions. TDA was/is a reliable bonus giver. Pretty soon, bonuses will be a thing of the past. But was a profitable game while it lasted. My TDA $6.6k bonus posted yesterday so my moveable funds are locked for a year and I’ll sit on sideline...
by BuddyJet
Wed Nov 20, 2019 9:57 pm
Forum: Personal Investments
Topic: Keep or sell inherited municipal bonds
Replies: 25
Views: 1207

Re: Keep or sell inherited municipal bonds

I’ll offer a contrary opinion. Anything else I’d say sell but the holdings are small and very near to maturity. You’ll take a beating on an attempted sale. Ignore the stated market value. You won’t get it Just hold them to maturity. Gill I’m with Gill on this one. Given the small percentage of port...
by BuddyJet
Wed Nov 20, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Kindle Paperwhite speed?
Replies: 7
Views: 701

Re: Kindle Paperwhite speed?

I read too slow for it to matter but this page might help

https://www.the-ebook-reader.com/kindle-comparison.html

My bet is that a new iPad is just that much faster
by BuddyJet
Wed Nov 20, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Planning with a Leukemia Diagnosis
Replies: 24
Views: 2286

Re: Financial Planning with a Leukemia Diagnosis

OP, I’m also sorry for your situation.

My advice is to build up your cash reserves beyond the normal level along with paying down debt. If/when the medical status changes, you may have extra expenses where the cash reserves will be called upon.
by BuddyJet
Tue Nov 19, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Expenses Gift Exclusion: How to pay for adult child's medical payments at time of service?
Replies: 21
Views: 1412

Re: Medical Expenses Gift Exclusion: How to pay for adult child's medical payments at time of service?

I was in that situation with medical expenses for my sister and educational expenses for my grandsons. In both cases, setting them up as an authorized user on my card with their name printed on the card was the solution blessed by our CPA. I would suggest a visa or MasterCard rather than Amex, if po...
by BuddyJet
Tue Nov 19, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: TV purchase -- 55" or 65" vs viewing distance
Replies: 34
Views: 2671

Re: TV purchase -- 55" or 65" vs viewing distance

My approach is to take a tape measure to the store and measure out the same viewing distance as at home and see what size you like.

Rules of thumb are good but your personal taste is what's important.
by BuddyJet
Tue Nov 19, 2019 7:35 am
Forum: Personal Investments
Topic: Moving funds between Vanguard and Fidelity
Replies: 8
Views: 871

Re: Moving funds between Vanguard and Fidelity

Link your primary checking account to both Fidelity and Vanguard. Move between via your checking account. So I have that now, but I was hoping to do it directly to cut down on the need to move the money twice and the associated delays. If RSU sales are large, you might be above ACH limits or need m...
by BuddyJet
Mon Nov 18, 2019 8:41 pm
Forum: Personal Investments
Topic: Moving funds between Vanguard and Fidelity
Replies: 8
Views: 871

Re: Moving funds between Vanguard and Fidelity

Link your primary checking account to both Fidelity and Vanguard. Move between via your checking account. So I have that now, but I was hoping to do it directly to cut down on the need to move the money twice and the associated delays. If RSU sales are large, you might be above ACH limits or need m...
by BuddyJet
Mon Nov 18, 2019 8:32 pm
Forum: Personal Investments
Topic: Moving $380K in individual stocks to index fund
Replies: 60
Views: 3470

Re: Moving $380K in individual stocks to index fund

In a similar spot and after contributing to Fidelity donor advised fund,I chose to take the gains and sell the balance of individual stocks. Since it is late in the year, I’d suggest half now and the balance in January.
by BuddyJet
Mon Nov 18, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Process for surviving spouse.
Replies: 59
Views: 10479

Re: Financial To Do List for a surviving spouse.

Joint credit cards are often frozen upon the death of a either spouse. My wife and I both have credit cards, checking, and brokerage accounts in our individual names to ensure easy access to funds in case of emergency. The bulk is joint but having separate funds available will make things easier to ...
by BuddyJet
Mon Nov 18, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 29
Views: 1766

Re: Another Laptop Question

For electronics recycling, I drop at Staples. No tube monitors accepted though.
by BuddyJet
Sun Nov 17, 2019 10:59 pm
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 29
Views: 1766

Re: Another Laptop Question

I'm in a similar situation in that my laptop runs on Windows 7 and it's no longer going to be supported by Microsoft after mid-January. I had tried some years ago to update it to Windows 10, but I ran into problems with it after a few months. I took it to the Geek Squad over at Best Buy, who basica...
by BuddyJet
Sun Nov 17, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card bonus question
Replies: 5
Views: 543

Re: Credit card bonus question

But you should pay off the statement balance before the payment due date, unless you are exploiting a 0% purchase APR. Then you pay the minimum payment. And this means, pay the bill when it’s due, not pay before the end of 3 months, right? Example: Jan 1 2020 card is both (somehow) purchased and ac...
by BuddyJet
Sun Nov 17, 2019 8:25 pm
Forum: Personal Consumer Issues
Topic: Good DNS to use?
Replies: 15
Views: 1380

Re: Good DNS to use?

Here is an article about dns testing.

https://mobile.serverwatch.com/server-t ... peeds.html

I’ve used the GRC one.
by BuddyJet
Sun Nov 17, 2019 5:46 pm
Forum: Personal Investments
Topic: Charitable gift annuities - doing well by doing good?
Replies: 20
Views: 1031

Re: Charitable gift annuities - doing well by doing good?

While not really in response to your question, you might also consider a charitable remainder trust if the amount is large enough to justify the drafting. It allows a bit more flexibility in the payout percentage and current donation amount. At donor's passing, trust isn't limited to donation to one...
by BuddyJet
Sun Nov 17, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Another Laptop Question
Replies: 29
Views: 1766

Re: Another Laptop Question

Buy a new laptop. Don't expect current software to run on 10 years old hardware. This. I just bit the bullet and ordered a new laptop. My old one is from 2012 and can no longer update it. The old laptop is in good shape and will keep it in order to have a cd player available. Why would you ever hav...
by BuddyJet
Sat Nov 16, 2019 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA and paying for a Condo.
Replies: 7
Views: 529

Re: Fidelity CMA and paying for a Condo.

I have found a wire transfer to the closing agency (title co or atty, depending on the state) to be the quick and easy solution. Cashiers checks can cause delays while they verify not fraudulent.
by BuddyJet
Sat Nov 16, 2019 10:13 pm
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3484

Re: Charles Schwab or Fidelity?

What about inventory of corporate (or muni) bonds available at Fidelity vs Schwab ? Genuinely curious. I don’t do corporate but for muni, I found Fidelity had much more availability. When I saw the same bond at both places, Fidelity was better priced. After searching the field, I do all my muni at ...
by BuddyJet
Sat Nov 16, 2019 9:39 pm
Forum: Investing - Theory, News & General
Topic: Individual investors, possible structural advantages
Replies: 15
Views: 1503

Re: Individual investors, possible structural advantages

I've been thinking about this a lot lately. My mom just inherited a large portfolio of muni bonds that are actively managed, and I'm having trouble recommending that she sell them all and buy the VG total bond market index instead (she's got plenty in equities in her own portfolio; keeping this bon...
by BuddyJet
Sat Nov 16, 2019 9:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1976
Views: 332253

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

With all the TDA discussion, I thought I’d tell my experience. About a year ago, I called in to sign up for a promo, was told account coded for promo, called when promo didn’t post, was told account not coded so no promo would be given and nothing can be done. Filed transfer paperwork to move accoun...
by BuddyJet
Sat Nov 16, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Tablet for 2 year old for long car trip
Replies: 27
Views: 1356

Re: Tablet for 2 year old for long car trip

Yes but I’d look at the 8 or 10 screen size for better screen and processor.
by BuddyJet
Sat Nov 16, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Have biz checking account, but can I use a personal card (not biz card) and keep LLC protection?
Replies: 2
Views: 150

Re: Have biz checking account, but can I use a personal card (not biz card) and keep LLC protection?

Not a lawyer but the more you mix business and personal, the lower your LLC protection.

Unless there is a compelling reason to use a personal card, get a business card and don’t mix.
by BuddyJet
Fri Nov 15, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 31
Views: 2515

Re: Apple TV vs Competitors

If you WANT the Apple TV+ content like the new TV shows that are only streamed by Apple then the cost of a new Apple TV is somewhat reduced because you get a free 1-year membership of the Apple TV+ streaming service with the purchase of a new apple device. I think the cost of the service is otherwi...
by BuddyJet
Fri Nov 15, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: mechanics of paying a large tax bill
Replies: 42
Views: 2758

Re: mechanics of paying a large tax bill

It's the transfer between our taxable at vanguard and my check-writing account that I'm worried about getting held up (the bank won't know it's my taxes getting transferred), and wondering whether there's another way. I've posed the safe harbor question separately. Thanks for the replies. The immed...
by BuddyJet
Fri Nov 15, 2019 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 10
Views: 554

Re: Synchrony Bank (as credit card issuer)?

I believe that Synchrony targets their cards at store cards for lower income clients with lowish credit limits. OP doesn’t fit their norm so it will take a while to raise limits.

I’d take a second card as backup in case needed. You can also make an online payment while traveling if near limit.
by BuddyJet
Fri Nov 15, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: State Tax Question.
Replies: 5
Views: 348

Re: State Tax Question.

Interesting question. A bit old but hope this helps

https://payrolltalk.symmetry.com/discus ... -employees
by BuddyJet
Thu Nov 14, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: What exactly changes when I switch SIM cards on a phone?
Replies: 10
Views: 1435

Re: What exactly changes when I switch SIM cards on a phone?

Like others have said, it depends on the carriers involved. What are you trying to do?

Here is a basic sim explanation

https://www.lifewire.com/what-are-sim-cards-577532
by BuddyJet
Thu Nov 14, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: mechanics of paying a large tax bill
Replies: 42
Views: 2758

Re: mechanics of paying a large tax bill

Can’t speak about vanguard but my approach is to put funds in a high interest checking account or money market that self liquidates to cover a check. Mail check for tax via certified mail on business day before tax is due. This assumes you are within safe harbor. Given the payment size, a check mail...
by BuddyJet
Thu Nov 14, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Small business records move and storage costs
Replies: 7
Views: 345

Re: Small business records move and storage costs

When we closed down our business, my decision was to leave the records where they were and just pay the rent for the 7 years and trash it at the end. Since you are moving to another state, it might not make sense unless you have other reasons to return to the storage location. If distance is too far...
by BuddyJet
Thu Nov 14, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 110
Views: 10040

Re: The difficulty of discarding frugality?

I'm comfortably retired but still get a charge from frugality. I don't deny myself things that I really want but find that I don't want much and more stuff is a bother. Our big charge is shopping for deals on stuff to donate. It's a wonderful feeling to buy over 100 winter coats at Sears for donatio...
by BuddyJet
Thu Nov 14, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: Change of employer, 1 month Health Insurance gap, use COBRA or not
Replies: 7
Views: 633

Re: Change of employer, 1 month Health Insurance gap, use COBRA or not

Your plan sounds good. Just be sure you don't decline COBRA in exit paperwork.
by BuddyJet
Thu Nov 14, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Tour company for Egypt
Replies: 2
Views: 222

Re: Tour company for Egypt

We went with National Geographic several years ago. Premium priced but excellent guides and safety.
by BuddyJet
Tue Nov 12, 2019 10:44 pm
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 34
Views: 1917

Re: Questions about Fidelity Charitable DAF

On buying the table question, it depends on the charity but yes. If table is $1k and value is $100, my cpa said that if I give the $100 Outside the DAF, I’m good. Some charity are ok with $900 from daf and $100 separately but others want $1k from daf and $100 separately to ease their internal accoun...
by BuddyJet
Tue Nov 12, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: $10K wire transfer - loan to son - tax implications?
Replies: 11
Views: 1060

Re: $10K wire transfer - loan to son - tax implications?

No reporting needed except if you are charging interest. Then you report interest received as income in year received.
by BuddyJet
Sat Nov 09, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Best fire monitoring system -ADT?
Replies: 7
Views: 224

Re: Best fire monitoring system -ADT?

I moved my ADT installed Honeywell system to Alarmgrid.com. They are not the lowest monthly cost but their tech support was very good and they talked me through what I needed to do.

Along with lowering my monthly cost, I was able to upgrade the smoke detectors at a lower cost and added CO detection.
by BuddyJet
Fri Nov 08, 2019 10:55 pm
Forum: Personal Investments
Topic: divorce, splitting assets?
Replies: 14
Views: 2380

Re: divorce, splitting assets?

In my divorce, my ex’s lawyer insisted on a clause that any undisclosed assets, would be automatically awarded to the other side. Even post divorce. As to steps along the way, both our lawyers had both of us prepare complete balance sheets of separate and community property (don't know if community ...
by BuddyJet
Fri Nov 08, 2019 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do I Understand Safe Harbor rules correctly?
Replies: 27
Views: 2501

Re: Do I Understand Safe Harbor rules correctly?

I'm not an accountant but that's my understanding also. Assuming that the tax payments are made through withholding. If paid through estimated payments, timing issues could be involved
by BuddyJet
Thu Nov 07, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2427

Re: Question on refilling prescriptions

I thank all of you for your input. The HDHP we are looking at has a miserable Rx policy. We will be cost comparing on Rx's using GoodRX, which another poster has mentioned. The drugs I am taking are all generic versions of medications that have been around for ages, I'm your typical late middle age...
by BuddyJet
Thu Nov 07, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: Using credit cards -international travel
Replies: 17
Views: 708

Re: Using credit cards -international travel

I am using a credit card to pay for lodging in Costa Rica. The hotel has sent me a PayPal invoice and says I will be charged in USD as it is a US PayPal account. Anything I can do? Thanks. Your case is different. Since it is a US paypal account, your payment has no foreign exchange being done. You ...
by BuddyJet
Thu Nov 07, 2019 9:06 am
Forum: Personal Investments
Topic: Small Family Business and 401k
Replies: 4
Views: 182

Re: Small Family Business and 401k

As to question 1, the only answer is because that’s the way it was written. Regardless of why and how congress ended up with the law, accept it as a given for what you need to do now. It has been many years since we set up a simple ira at schwab. We went that way for low cost, simple admin, and comp...
by BuddyJet
Thu Nov 07, 2019 8:52 am
Forum: Personal Investments
Topic: Chase YouInvest
Replies: 14
Views: 936

Re: Chase YouInvest

From your question, i assume you are going for the sapphire bonus. Along with the MM option mentioned, you can transfer in $75k of securities that you intend to hold for the long term. When the 90 days is up, transfer them out in kind rather than liquidating and moving cash. This avoids gain/loss on...
by BuddyJet
Wed Nov 06, 2019 11:46 pm
Forum: Personal Consumer Issues
Topic: Question on refilling prescriptions
Replies: 41
Views: 2427

Re: Question on refilling prescriptions

All my adult life I have had all my prescriptions at one pharmacy at a time. However we are going to a different health plan and I will need to shop each prescription for the best price. I am also going to have my doctor write the Rx for twice the dosage so I can cut pills. One med I take the cost ...
by BuddyJet
Wed Nov 06, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Maximize 1 Day at Disney
Replies: 48
Views: 2694

Re: Maximize 1 Day at Disney

My grandkids aren't Disney fans so I have no personal experience but I do know that there are Disney consultants that help arrange Fastpass and route plans to maximize your one day visit. Google Disney Hacks and you should run across a few. Another service that sounds interesting is http://www.mouse...
by BuddyJet
Wed Nov 06, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6240

Re: Fidelity - promotion bonus

My approach is to take a group of my core ETF holdings that I intend to never sell and designate them as my "hot money" holding that will move at the highest bonus available after the old required account hold time expires. Dividends are transferred to bank account and basis is easy to track betwee...
by BuddyJet
Wed Nov 06, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity - promotion bonus
Replies: 43
Views: 6240

Re: Fidelity - promotion bonus

Just wanted to point out that 2500 bonus on 1 million is...oh...let's say about 1 basis point across 30 years. Probably not the biggest deal so I wouldn't put too much effort into this. I guess it could be a bigger deal if you did it every few years, but you would then have to somehow find ETFs tha...
by BuddyJet
Mon Nov 04, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Any Citi Prestige rewards card holders?
Replies: 7
Views: 561

Re: Any Citi Prestige rewards card holders?

Quick answer is 1/2 cent for actual cashback and 1 cent for gift cards. https://www.fool.com/the-ascent/credit-cards/articles/what-are-citi-thankyou-points-worth/ Prestige isn't great for cashback but worthwhile for travel points. Personally, I use the Amex Gold for restaurant and grocery bonus poin...
by BuddyJet
Sun Nov 03, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Water damage incident is giving me heartburn - please help
Replies: 14
Views: 2022

Re: Water damage incident is giving me heartburn - please help

I just went through this in Georgia from a washing machine upstairs.

The upstairs owner's insurance covered it. In my case was only a $3k claim.