Search found 1288 matches

by Cash
Tue Sep 18, 2018 5:16 am
Forum: Personal Consumer Issues
Topic: Spectrum Cable TV Charges
Replies: 19
Views: 1627

Re: Spectrum Cable TV Charges

Have you guys actually threatened to cancel? When I dumped Spectrum cable for a streaming service (DirecTV Now) a few months ago, they offered me another year of my previous deal. But I was tired of them by then.

Their internet is great though.
by Cash
Sun Sep 16, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Embarking on a large-scale home update
Replies: 26
Views: 1261

Re: Embarking on a large-scale home update

We completed a large-scale home renovation last year. Initially, we were going to do things in phases while living in the house, but everyone recommended against that. Then our dog got sick, so my wife ended any discussion of living through the renovation. So we rented a condo for a year. In retrosp...
by Cash
Mon Sep 03, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3254

Re: Nanny online payment services - why are they so expensive?

P.S. Mystery solved. Intuit Online Payroll for Household Employers was discontinued 1/1/2017. Household Employment Taxes are filed on Form 1040 Schedule H instead of Forms 940, 941 and 944. So the regular Intuit Online Payroll will not work. There we have it. Thanks! I’ve run into this issue with o...
by Cash
Mon Sep 03, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3254

Re: Nanny online payment services - why are they so expensive?

If you establish your payroll account at Bank of America ($14/month or $3K minimum balance) and you do a direct deposit to a nanny's BoA account (fee waived). BoA has a no cost semi-automated option for Basic Intuit Online Payroll: Federal, state, local and voluntary withholding. Federal electronic...
by Cash
Mon Sep 03, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Ladder / Tax Efficient Allocation of New Funds
Replies: 23
Views: 1845

Re: Municipal Bond Ladder / Tax Efficient Allocation of New Funds

1. What is the group's opinion of the municipal bond ladder? I've done a bunch of research here and elsewhere, and while I don't like paying the 35 bp management fee it seems like there's support for using muni ladders to fill bond allocation when the taxable portion of a portfolio is significantly...
by Cash
Mon Sep 03, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2746

Re: Best Checking Account?

The Fidelity Cash Management Account really does have free everything, including wires (unlike Schwab). For the times you need a physical branch, just keep a small account at a local bank/credit union that doesn't charge fees and link that account to your online account.
by Cash
Sat Sep 01, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3254

Re: Nanny online payment services - why are they so expensive?

I've also been asking this question over the past few months as I have researched options. The cheapest I've seen for someone to handle all of the tax stuff while I handle payroll is $500-600 (once you add in all of the unadvertised fees). This is an example: https://www.homeworksolutions.com/what-w...
by Cash
Tue Aug 28, 2018 5:56 am
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2541

Re: Streaming TV services

I can't recommend DirecTV NOW. The streaming was just too choppy, and the audio lagged the live broadcasts by enough to bother me. The $5 price hike was the straw that broke the camel's back. We cancelled this month. What were you using as your streaming device? I'm using Roku and DirecTV Now and h...
by Cash
Sun Aug 26, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Child-related tax breaks in higher tax brackets
Replies: 5
Views: 768

Re: Child-related tax breaks in higher tax brackets

Yes--the child tax credit, which was increased and expanded so that it's available to higher earners. It may or may not be available to you depending on where your MAGI is. Based on the tax bracket you mentioned, you may qualify and you may not. If you do, it's a nice tax break. Thanks, I missed th...
by Cash
Sun Aug 26, 2018 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Child-related tax breaks in higher tax brackets
Replies: 5
Views: 768

Re: Child-related tax breaks in higher tax brackets

Yes--the child tax credit, which was increased and expanded so that it's available to higher earners. It may or may not be available to you depending on where your MAGI is. Based on the tax bracket you mentioned, you may qualify and you may not. If you do, it's a nice tax break. Thanks, I missed th...
by Cash
Sat Aug 25, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Child-related tax breaks in higher tax brackets
Replies: 5
Views: 768

Child-related tax breaks in higher tax brackets

Assume an income in the 32%+ tax brackets and one child. It appears to me that putting aside $5k pretax into a dependent care FSA is pretty much the only thing that changes taxwise. The dependent care tax credit seems to be less valuable than the dependent care FSA. Sure, we can contribute to a 529,...
by Cash
Wed Aug 22, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: CC 31 days overdue
Replies: 22
Views: 2083

Re: CC 31 days overdue

Same thing happened to us once. Since then, I have not let any zombie accounts remain open, even though closing them impacts total available credit and utilization ratio. The negative mark will fall off eventually.
by Cash
Sun Aug 19, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7557

Re: Reckless driving ticket in VA-Help!

On my hearing date, I never went into the courtroom. Someone from the federal court came out to meet with me and my lawyer, spent 30 seconds reviewing my case, and amended the ticket down to like 7mph over with a small increase in the fine. Afterwards, I was expecting to see something from the cour...
by Cash
Thu Aug 16, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3369

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

Brand new to Fedelity will I need both Brokerage and Cash Management accounts or just the Cash Management? I would like to link the Fidelity® Money Market Fund to the CMA. They don’t like to advertise it, but the CMA is a brokerage account and can be used to trade. You don’t necessarily need both a...
by Cash
Thu Aug 16, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3369

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

If you have enough assets to qualify for Vanguard Advantage ($500K minimum in Vanguard funds), then you will also qualify for Fidelity's Premium Services ($250K in ANY assets held at Fidelity). This means you will be eligible for ATM service fee rebates even on the normal Fidelity brokerage account...
by Cash
Sun Aug 05, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6333

Re: Nespresso?

02nz wrote:
Sat Aug 04, 2018 5:15 pm
My persona favorite is the Indriya.
Mine too (aside from the recently discontinued Cafecito de Cuba), but they recently discontinued it. I haven't tried the replacement yet, but am skeptical because it is a robusta.
by Cash
Sun Jul 22, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 57
Views: 7782

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

My primary concern with VTMSX is that there is no ETF class, so it might have to distribute a capital gain one day. Using IJR avoids this possibility. It should avoid the possibility. There is an element of manager risk there. Look at capital gain distributions for SLYV versus IJS or VIOV , for exa...
by Cash
Sun Jul 22, 2018 6:37 am
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 57
Views: 7782

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I really like the look of this fund. Does anyone know if there is a good corollary fund in Fidelity?(that's where my assets are. Lastly, could someone explain the tax advantage of this fund? (It was recommended for those in a higher tax bracket) IJR trades for free at Fidelity. I plugged in the num...
by Cash
Thu Jul 05, 2018 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed with Fidelity 401k
Replies: 36
Views: 3693

Re: Disappointed with Fidelity 401k

That is a very mediocre Fidelity product. if you want a real "treat" and your plan allows it - set up the brokerage window option. +1. My spouse has a an old 401(k) at Fidelity. We never look at the outdated NetBenefits side and always access it through the brokerage window, which shows up with our...
by Cash
Thu Jul 05, 2018 5:23 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4197

Re: Anyone Tried Youtube TV Yet?

I also need a streaming stick (like Chromecast or Roku) for every TV set. Depends on how "smart" your TV is. For instance, my understanding is that Samsung smart TVs made after 2015 can access the app through the TV itself. Mine was made in 2014 and cannot, so I use my (free through DirecTV Now) Ap...
by Cash
Sat Jun 30, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4197

Re: Anyone Tried Youtube TV Yet?

We tried both Youtube TV and DirecTV Now when we cut the cord a couple of months ago. I liked Youtube TV, but we went with DirecTV Now because a) it offers more channels for $5 less, b) there is a promotion in which you can get a free AppleTV 4K if you pay 3 months in advance, and c) we get $15 off ...
by Cash
Sun Jun 17, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 55
Views: 6330

Re: Has Anyone Tried Youtube TV?

I used it for a while before figuring out that DirecTV Now would give us more channels at a lower price point. We pay $20/month for their basic package + free HBO since it is linked to our ATT unlimited data plan. But it's only $35/month to get more channels than YouTube TV. YouTube TV has unlimited...
by Cash
Sun Jun 17, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4919

Re: African Safari: Worth it or Hype?

Sure, if you are totally minted, go spend $5-10k on a safari. But you will get nothing more than a person paying $20 (in terms of wildlife). I know you want to think that, but there is no way we would have been able to spot what our expert tracker was able to spot, especially during our night drive...
by Cash
Tue Jun 12, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2878

Re: Foreign language immersion daycare

All right, you guys have convinced us not to subject ourselves and our child to the 1.5-hour daily commute :). If the daycare/school were closer to our jobs/home, it would be a no-brainer. We could move closer to the school, but then we would have a longer commute to work. None of that is ideal and ...
by Cash
Sun Jun 10, 2018 7:11 am
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2878

Re: Foreign language immersion daycare

You guys are giving us a lot to think about. We both love foreign travel and languages and thought that this would be a way to impart that love to our child (while perhaps giving him an upper hand in certain educational/career contexts later on), but perhaps we should approach that differently. We a...
by Cash
Sat Jun 09, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2878

Re: Foreign language immersion daycare

Thanks for the replies so far, everyone! To answer a couple of questions: We speak only English at home, though I know a decent amount of Spanish (part of our motivation: we both took Spanish in high school and college but are nowhere near fluent). We've considered getting an au pair, but a couple o...
by Cash
Sat Jun 09, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2878

Foreign language immersion daycare

We are expecting our first child this fall and are exploring childcare options. We will likely have a nanny for the first year. The question is what to do after that. There are several high-quality daycares close to our jobs, and we are on the waitlist for one that comes highly recommended. However,...
by Cash
Thu May 24, 2018 6:04 am
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6009

Re: Florida Living

smitcat wrote:
Wed May 23, 2018 12:39 pm
Violent crimes in Orlando are 941/100,000
And most of that is contained within a specific part of Orlando that most people never see.
by Cash
Sun May 20, 2018 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1832

Re: Fidelity CMA + MMF vs. online credit union

We also used to have accounts at BOA, Alliant, and Fidelity, and consolidated all at Fidelity. I think it's a nice, one-stop setup. We also have a checking account at TD Bank in case we need a physical branch for anything (once in the past two years). I also write all checks from that account, wher...
by Cash
Sat May 19, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity CMA + MMF vs. online credit union
Replies: 24
Views: 1832

Re: Fidelity CMA + MMF vs. online credit union

We also used to have accounts at BOA, Alliant, and Fidelity, and consolidated all at Fidelity. I think it's a nice, one-stop setup. We also have a checking account at TD Bank in case we need a physical branch for anything (once in the past two years). I also write all checks from that account, where...
by Cash
Sat May 19, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Any experience with Blue Apron?
Replies: 34
Views: 3045

Re: Any experience with Blue Apron?

We've been using Blue Apron most weeks for the past 4 years. We obviously like it a lot and even signed up for their overpriced, but convenient wine deliveries of 6 500ml bottles per month. I like that now you can pick the meals you want. I dislike that they seem to be cutting more corners lately an...
by Cash
Sat Apr 14, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 6421

Re: Help me choose a top law school!

I agree with the others in recommending UVA, but be aware that they have an odd OCI process to be as highly ranked as they are. I forget the specifics, but I believe employers are allowed to choose which students to interview. At my t-14 school, employers had to interview everyone who got a slot (th...
by Cash
Thu Mar 22, 2018 5:18 am
Forum: Personal Finance (Not Investing)
Topic: 250k Student Loan Payment Schedule
Replies: 67
Views: 10964

Re: [UPDATE] Re: 250k Student Loan Payment Schedule

After the next 12 months of payments, my balance will be ~$45k. I could pay this off with 15 additional months of minimum payments. However, I am expecting a post tax bonus next year of ~$65k and I am leaning towards using it to pay off my loans in full. It probably isn't the best idea to lump sum ...
by Cash
Tue Feb 27, 2018 6:19 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 12188

Re: Florida in the summer

And I would hate how short the summer evenings are in Florida. I can legit mow my lawn between 9 - 9:30 p.m. in my Minneapolis suburb in the summer. I can play catch with my son outdoors until it's time for bed in the summer. In Florida, your outdoor activities are done by 8 pm, in the summer. The ...
by Cash
Tue Feb 13, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5556

Re: Rolex

You best bet is to sign up for Rolex Forums and buy from the classifieds. There are many 'trusted sellers' with brand new watches available, still has the stickers, come with box & papers and full factory warranty of 5 years. Look here for classifieds: https://www.rolexforums.com/forumdisplay.php?f...
by Cash
Tue Jan 30, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3692

Re: Buying This Week: IPhone X or IPhone 8 Plus

I agree with those who say to get the X. I would never want to go back to a home button at this point, and the display and camera are amazing. I went to Antarctica recently and my only camera was the X. Fantastic photos. The rumors about it being "discontinued" are laughable. Apple is just choosing ...
by Cash
Tue Jan 30, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3692

Re: Buying This Week: IPhone X or IPhone 8 Plus

I have an X and previously had a 7Plus. I'm sorry I bought the X. Regardless of all the hype of how it's the same screen real estate as the plus, it is not. Period. Much harder to read due to the narrowness. Also it doesn't have the "substantial feel" in my hand that the Plus had. The face recognit...
by Cash
Tue Jan 23, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity taxable account recommendations
Replies: 7
Views: 1803

Re: Fidelity taxable account recommendations

That will almost certainly be more tax efficient than what you are proposing. It is more tax-efficient for me to do the opposite of what you propose. The correct answer depends on the OP's marginal tax rate. For munis, I use FTABX, but there is no state fund for my state. If you decide to mix in eq...
by Cash
Tue Jan 16, 2018 6:13 am
Forum: Investing - Theory, News & General
Topic: Anyway to compare metrics of today w stock bubble in 2000
Replies: 26
Views: 2658

Re: Anyway to compare metrics of today w stock bubble in 2000

...In 1999, there was euphoria in the market. I don't get any sense of euphoria today. In fact, I'd say that until last year, this was the most unloved bull market I've ever heard of... I continue to think the difference is that the 1995-2000 bull market was piled on top of a solid and long-sustain...
by Cash
Mon Jan 15, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3527

Re: Antarctica [anyone traveled there?]

The one thing that worries us, at our ages, is how far it would be in Antarctica should there be a really serious medical situation. OTOH, it's rather unlikely that "something" would happen right then. But still, it does give us pause... I believe when we went the cruise line demanded that we have ...
by Cash
Sun Jan 14, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Account Proliferation - any tips to manage or combat?
Replies: 7
Views: 799

Re: Account Proliferation - any tips to manage or combat?

This has obviously added to the numerous accounts DW and I already have (personal vs. joint, savings vs. checkings vs. money market, brokerage vs. 401k vs. Roth vs. tIRA, mortgage, credit cards). Moreover, these accounts are spread across numerous institutions (Vanguard, Fidelity, Wells Fargo, cred...
by Cash
Sun Jan 14, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 19
Views: 4171

Re: Fidelity Money Market Funds for everyday expenses

I also recently consolidated at Fidelity, and I use the Fidelity Municipal Money Market Fund (FTEXX) for my short-term holdings. Current yield is a tax-free (in my state) 1.11%.
by Cash
Sun Jan 14, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3527

Re: Antarctica [anyone traveled there?]

Very interesting. Are you aware of what the Tauck group "got" (lectures? or?) that those not using Tauck "got"? And do you happen to know if using Tauck cost more (could be less if they reserved in bulk, etc.)? Many thanks. Threads/posts like these (here and on CruiseCritic) are getting us more and...
by Cash
Sun Jan 14, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 3527

Re: Antarctica [anyone traveled there?]

Has anyone been there? Your thoughts on it. We are going with Tauck on Ponant Le Boreal. We actually just got back a few weeks ago from our Antarctic cruise on Le Boreal with the Tauck group (we booked directly with Ponant, but about 1/3 of the ship was booked by the Tauck group). I echo everything...
by Cash
Sun Jan 14, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 4981

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd get the E400. Having owned many fast German cars, you come to realize you can only drive so fast to work and back. A truly fast daily driver becomes an annoyance after a while because you never get out of 3rd gear. Right, unless you're taking it to a track, it really is a waste. We were recentl...
by Cash
Sun Jan 07, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 4981

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd get the E400. Having owned many fast German cars, you come to realize you can only drive so fast to work and back. A truly fast daily driver becomes an annoyance after a while because you never get out of 3rd gear. Right, unless you're taking it to a track, it really is a waste. We were recentl...
by Cash
Thu Jan 04, 2018 6:16 am
Forum: Investing - Theory, News & General
Topic: How long will Ishares etfs be commission free at Fidelity?
Replies: 11
Views: 1625

Re: How long will Ishares etfs be commission free at Fidelity?

I use the iShares ETFs in my tax-advantaged accounts, where I don't really care if I have to sell them down the road when Fidelity stops providing them commission-free (seems inevitable to me). In taxable, I just pay $5 every few months to buy my preferred Vanguard ETF (VT). I looked into Merrill Ed...
by Cash
Sun Dec 31, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Does donation count for 2017 if donated fund shares do not settle until 2018?
Replies: 35
Views: 1840

Re: Does donation count for 2017 if donated fund shares do not settle until 2018?

On the same day, I transferred cash from my bank to my Fidelity brokerage account since they said transfers from a Fidelity brokerage account can occur same day. I think that was the 23rd or 24th. The problem is, the cash hasn't settled to my account even today in a way that I can transfer from my ...
by Cash
Sun Dec 31, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2295

Re: wireless earbuds for exercise - airpods or ??

I like my AirPods, but I got these attachments to make sure they stay in my ear. Work like a charm and used them recently during a half marathon without a problem.
by Cash
Sat Dec 30, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: How many years of deductions for a new DAF?
Replies: 17
Views: 1351

Re: How many years of deductions for a new DAF?

There is not actually a Vanguard employee working on this process this weekend, I don't believe. Fidelity Charitable has people answering phones until 2 p.m. today and tomorrow :). As far as how much to contribute, based on the current 2025 expiration date for the tax cuts, my answer is up to 8 yea...