Search found 161 matches

by MariaT
Tue Oct 02, 2018 3:11 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6806

Re: Got my new Iphone Xs

I'm ready to retire my iphone 6s after four years, storage capacity almost exhausted. Visited the Apple store this past weekend and I must say the Xs is indeed "night and day" as someone above mentioned compared to the 6s. I just wished they had the Xr available on hand to see the difference(s). I k...
by MariaT
Tue Oct 02, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1545

Re: Shows in Las Vegas for 6 and 8 year old

Another nod for the Mac King Magic Show. My family had a great time when we saw it some years ago. I wouldn't mind seeing it again . The show is very entertaining for both kids and adults.
by MariaT
Tue Sep 25, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2331

Re: Flu shot reaction? Getting flu shot this year?

Never had a strong reaction (knock on wood) except for a sore arm for a day or two after taking the flu shot for 24 years. I agree with others to get the shot when feeling healthy, no sniffles or lethargy. I have a friend who took the flu shot and developed flu like symptoms and vowed never to take ...
by MariaT
Tue Sep 25, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

I did get this letter last week and instead of mailing the form back I called the bank and asked if I could request the change over the phone in lieu of mailing. They, of course, accommodated the request. One other data point that I learned for specially for those trying to establish a link third pa...
by MariaT
Sun Aug 12, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9751

Re: [New Vanguard website layout starting Saturday, August 11]

I don't know what I did but my reply should have been broken as Not the case here. The expense ratios still show on the Balance and Holdings on mine. Honestly, the new format doesn't bother me and has a cleaner look albeit bigger font size. With the new format the neumeric and alphabetical listings ...
by MariaT
Sun Aug 12, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9751

Re: [New Vanguard website layout starting Saturday, August 11]

Yes, just logged on and the new format showed as my default . As others have confirmed the "Balance and Holdings" on my end show the old format. I have not upgraded to the new platform and will keep it as is until given no option. However, under the new format the upgrade button does not exist. The ...
by MariaT
Sun Aug 05, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15621

Re: Will you pay for your kids' college/graduate education?

We did and it was money well spent. We wanted her to start her future not laden with debt and she is now on her own and appreciate the good start we provided her. We made use of 529 for her college funds.
by MariaT
Wed May 02, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2018)
Replies: 4
Views: 751

Re: madsinger monthly report (April 2018)

Thanks, as always, Brad.

All the Best.
by MariaT
Wed May 02, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Do you sell or donate unused items?
Replies: 46
Views: 3204

Re: Do you sell or donate unused items?

Most of our unwanted stuff get donated, if not, to the dump it goes.

Currently, I'm decluttering our house and I seriously need to turn into a new leaf - from a "pack rat" to a "minimalist".

Starting now. " Out with the old and in with the new."
by MariaT
Wed May 02, 2018 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ally asking CURRENT customer to provide SSN card?
Replies: 58
Views: 4664

Re: Ally asking CURRENT customer to provide SSN card?

Did you by any chance freeze your credit ? The reason I mention this is when my husband and I opened a joint account with a brokerage account it required that I submit a copy of my SS card and license(not my husband) because my credit was frozen, which I forgot to unfreeze when applying at that time...
by MariaT
Tue Mar 27, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Google sheets not pulling stock prices
Replies: 37
Views: 6133

Re: Google sheets not pulling stock prices

Having same issues as well.

Not pulling quotes for VSS, SCHE, IEMG, VEU, BND. Hopefully it will correct itself.
by MariaT
Tue Feb 13, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (January 2018)
Replies: 28
Views: 3554

Re: madsinger monthly report (January 2018)

You bet, I read your report every month. It's something I look forward to each month.

Thank for your continued dedication and know that it is very much appreciated.

Thanks again, Brad.

Warm regards,
MariaT
by MariaT
Fri Oct 27, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Birth Certificate/Name Issues
Replies: 20
Views: 2248

Re: Birth Certificate/Name Issues

Just a warning for those of you who haven't upgraded to Real ID: A guy I work with who is a retired federal law enforcement officer was unable to get a Real ID because he has no middle name or initial according to his birth certificate but all of his other identification states that his middle name...
by MariaT
Mon Sep 11, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 64
Views: 9953

Re: Equifax - credit freeze is now free?

Same result here. Applied this morning but paid $10 for TransUnion and Experian.
Maybe goodwill on their end? Don't know.

Best,
Maria
by MariaT
Thu Apr 20, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50649

Re: Larry Swedroe says "Goodby."

I am saddened by Larry's departure from the forum. I have read most of his books. His advice and contributions to this board have helped me a lot in positioning our retirement portfolio for the better.

Larry, you will be missed. Good Luck!

Warm regards,
Maria
by MariaT
Wed Jan 04, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: TV in the bedroom?
Replies: 82
Views: 7975

Re: TV in the bedroom?

We used to but our 50" wall mounted Samsung blew out after a couple of years. Must have been a lemon to begin with. DH was meaning to replace it but the Boglehead in me kept saying wait for a fire sale. Fire sales have come and gone and the desire to have a TV in the bedroom has dwindled for both my...
by MariaT
Wed Jan 04, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment For House (take from portfolio or current income)
Replies: 6
Views: 878

Re: Downpayment For House (take from portfolio or current income)

I guess I was really over thinking this. Thanks for clearing the fog.
pasadena wrote:How much equity do you have in your current house ?
100%

All the best,
-Maria
by MariaT
Wed Jan 04, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 2971

Re: madsinger monthly report (December 2016)

Happy New Year!

Brad, as always, many thanks!

All the best,
-Maria
by MariaT
Wed Jan 04, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment For House (take from portfolio or current income)
Replies: 6
Views: 878

Downpayment For House (take from portfolio or current income)

My question is simplistic but would like to run it by this forum to validate my thought process. We might be looking into buying a new house (in 8-12 months) which will be more expensive than our current home. If things go as planned, we would like to retire in 4 years. Setting that aside, if we wan...
by MariaT
Sun Jan 01, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1068699

Re: What Movie Have You Recently Watched?

Few days ago watched "Manchester By The Sea" at the movie theatre. What an excellent movie. Highly recommend. Last night saw "Green Fingers" on Amazon Prime and what a delightful movie. It's the story of 3 inmates, with the assistance of an old man who has been in prison for a very long time, honed ...
by MariaT
Sun Jan 01, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1969
Views: 366186

Re: What are you up YTD? [Year To Date]

Happy New Year to all!!

Our current plan is to retire in 3 years.
Current AA - 36/64 (IPS 35/65 slowly tapping into Rick Ferri's "center of gravity" allocation of 30/70 upon retirement).
YTD Return = 5.60%

All the best,
-Maria
by MariaT
Fri Nov 18, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 35923

Re: Chase Sapphire Reserve: Too good to be (completely) true

When is the latest date to apply for the card in order to qualify for this year's $300 credit? (2 weeks after application to receive card, what does charge must be on "December statement" mean?) You are cutting it close but still viable. There is no easy answer. Some people were approved instantly....
by MariaT
Fri Nov 18, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Great CD Promo! Andrews FCU 84 mo 3.01%
Replies: 247
Views: 37915

Re: Great CD Promo! Andrews FCU 84 mo 3.01%

As mentioned by someone earlier your can apply online. First, if non-member,join the American Consumer Council first to get a member# to qualify. -Select "Join Now" -Click "Open an Account" and follow the instructions -I selected the "Base Share" account only and funded it with $10 and did not selec...
by MariaT
Thu Nov 03, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 186
Views: 35923

Re: Chase Sapphire Reserve: Too good to be (completely) true

The priority pass rep says I might need to specifically enroll through Chase before they will send me a card...] Yes, you have to activate your Priority Pass with Chase before they send you a card. Log into your Chase account and click "activate" under Priority Pass and you are good to go. Card arr...
by MariaT
Mon Dec 14, 2015 4:46 pm
Forum: Investing - Theory, News & General
Topic: Check-In on Emerging Market Sentiment
Replies: 57
Views: 6710

Re: Check-In on Emerging Market Sentiment

EmergDoc wrote:I tax loss harvested this week from VWO to EEM.
Did the opposite. TLH from EEM to VWO last Friday. Probably bought your shares. :P

Warm regards,
-Maria
by MariaT
Wed Oct 14, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

I initiated online application Sunday night (Oct 4th) and entire process (account#, online banking setup, external account setup) was completed Monday morning (the 5th) before noon. The initial funds were pulled from my account Tuesday (the 6th) and my account was good to go Wednesday (the 7th). Per...
by MariaT
Fri Oct 09, 2015 7:53 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

Aspen, can't answer your question re ACH transfer prior to NWFCU pull of your initial deposit. You have to contact the bank.

Warm regards,
-Maria
by MariaT
Fri Oct 09, 2015 7:44 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

furwut, I believe your application is fine. Perhaps they don't have enough manpower to handle the demand and are still processing all applications. He did say they got a lot of applications. The person I spoke with at NWFCU said they will process all applications submitted prior to the 7PM deadline ...
by MariaT
Fri Oct 09, 2015 3:25 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

As mentioned by others earlier, I just received an email confirming that the hold out period for external account setup in your NWFCU account is six months. They won't budge to unlock I already asked :annoyed . They did offer to reimburse me for a one-time ACH fee transfer from my outside bank. I th...
by MariaT
Thu Oct 08, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

mur44, not Kevin. The url https://secure.loanspq.com/Consumer/log is linked to NWFCU.org website. You actually go through this URL during online application processing which you already must have gone through as you just said your application was approved. I take it you submitted your DL & confirmed...
by MariaT
Thu Oct 08, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

Thanks, Kevin. I will try to remember to save my posts (if long).

Warm regards,
-Maria
by MariaT
Thu Oct 08, 2015 9:49 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

Maybe incoming transfers can be initiated at NWFCU only after you become a member for some time. Per the CSR I spoke with yesterday who seemed knowledgeable about funding sources as long as your have an external account setup in your NWFCU account and have never used it for any transactions in the ...
by MariaT
Thu Oct 08, 2015 9:36 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

Kevin, thanks for the update. I'm glad you got your response in writing. Getting info over the phone from various reps have been challenging enough. This last answer confuses me, because tfb has told us that we can't do incoming transfers initiated from NWFCU, and these low limits seem absurd for tr...
by MariaT
Wed Oct 07, 2015 3:18 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

Ok, just got off from talking with someone else at NWFCU who is more knowledgeable about fund sources and I have both good news and bad news re additional funding for the Dream CD. The GOOD news is you can fund the Dream CD with additional money using the linked external account provided this is the...
by MariaT
Wed Oct 07, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

I went through all these. No go. The added external account can receive transfers from NWFCU but you can't pull funds into NWFCU from it . If this is the case, it's not good then. I specifically asked the rep if I can transfer funds from another institution to fund additional $$ into my cd and he s...
by MariaT
Wed Oct 07, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38490

Re: Northwest FCU 3-year 3.04% Add-On CD

Called NWFCU this afternoon and wait time was over 35 min but finally got someone to verify how to transfer additional funds to new 3.04% cd. For those that are planning to add future funds to this new CD via online you can established them now as it takes 3 business days to verify the external acco...
by MariaT
Fri Aug 21, 2015 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Conundrum
Replies: 8
Views: 775

Re: TLH Conundrum

My apologies, Livesoft. I did not mean to call you Livestock as I know and hope you have no horns. :shock: My fingers were too quick with the submit button. Also first time responding on the forum with a tablet.

Thanks much,
-Maria
by MariaT
Fri Aug 21, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Conundrum
Replies: 8
Views: 775

Re: TLH Conundrum

Livestock, when you say "are not substantially identical" does my understanding align with yours that IEMG tracks MSCI Emerging Market Investable Market Index (large,mid to small) vs EEM which tracks MSCI Emerging Market Index (large to mid only) thus NO wash sale? Can you be kind enough to confirm?...
by MariaT
Fri Aug 21, 2015 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Conundrum
Replies: 8
Views: 775

TLH Conundrum

Hello Fellow Members, I have an opportunity to TLH our EEM (iShares Emerging Market) today and looking to validate that my plan of action is sound. Yesterday I tax loss harvested VWO (Vanguard Emerging Market) and replaced with IEMG (iShares Core MSCI Emerging Markets). If I TLH EEM today I will cre...
by MariaT
Thu Aug 20, 2015 10:22 am
Forum: Investing - Theory, News & General
Topic: 25 Month CD at 2.27% at US Alliance Federal Credit Union
Replies: 24
Views: 6621

Re: 25 Month CD at 2.27% at US Alliance Federal Credit Union

I just opened the new 25 Month CD Special at 2.27% APY yesterday and it was just perfect timing because the promotion ended yesterday. Except for a minor glitch in setup, everything went well and Avery at USAlliance Financial was great to work with. Thank you Kevin for your detailed blog as it pushe...
by MariaT
Thu May 21, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: How 529 college savers invest.
Replies: 16
Views: 2576

Re: How 529 college savers invest.

We have invested in the age based option from Vanguard and this has worked well. Did as well and very satisfied. We also followed David Swensen's advice from his book to move two year's worth of college costs to cash when two years from starting college and this worked out very well. I loved the si...
by MariaT
Thu May 21, 2015 10:00 am
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 2467

Re: I Think I Blundered On My Munis (??)

I agree. Unless I get a "significant" amount of loss to harvest it's not worth the effort and don't want the added complication. My plan of action is I turn off the spigot on reinvesting dividends (done) and weekly investments will be tapered to either quarterly or monthly deposits (have not decided...
by MariaT
Wed May 20, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 2467

Re: I Think I Blundered On My Munis (??)

Can't you just look at your account online and see what Vanguard did??? That is, Vanguard does not and should not show a start date of Jan 9. I did. I ran the activity report on my VWIUX (admiral) and it showed January 9, 2015 as first transaction date. Anyhow, I just got off the phone with Vanguar...
by MariaT
Wed May 20, 2015 11:43 am
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 2467

Re: I Think I Blundered On My Munis (??)

Got it. Thanks, ogd. Here's another question, our record shows Vanguard did a conversion from VWITX (individual) to VWIUX (admiral) in January 9, 2015 of 4043.063 shares of which 745.34 shares where bought bet Jan 1-9, 2015. Does the conversion date affect my TLH benefits since VWIUX will show a sta...
by MariaT
Tue May 19, 2015 6:30 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 13884

Re: No Foreign Fee Credit Card - Exchange Rate

Used PenFed Signature Cash Rewards card in Europe and Costa Rica and no problems at all. Love it because of the no foreign transactions fees. We seldom use the Amex Card due to foreign fees when traveling abroad. The say "Don't leave home without it." It doesn't apply when you travel outside the US....
by MariaT
Tue May 19, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 2467

Re: I Think I Blundered On My Munis (??)

Thank you guys. If I am reading this correctly, any significant losses, I only sell the shares from 2014 since the holdings are more than six months? As such any dividends I earned from Jan 2015 to June will not be deducted from losses if I do another TLH when an opportunity presents itself in July....
by MariaT
Tue May 19, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: I Think I Blundered On My Munis (??)
Replies: 13
Views: 2467

I Think I Blundered On My Munis (??)

There seems to be some movement on TLHing on the Muni front and I went to check our Muni account and it shows we have a loss of $900+ which isn’t a significant amount for now. I started investing in municipal bond in 2013 (VWITX conversion to VWIUX – Vang Interm Tax Exempt Admiral) due to space limi...
by MariaT
Tue May 19, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: Las Vegas visit ( first time)
Replies: 38
Views: 5869

Re: Las Vegas visit ( first time)

Ram, we've been to Vegas a few times and was there last year. I concur with others, make a trip to see Hoover Dam and Grand Canyon if time allows. As for shows, in previous years we saw Terry Fator and was one of the best shows we've seen in Vegas including Jersey Boys. David Copperfield was just ok...
by MariaT
Mon Dec 29, 2014 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus how much do you spend vs save?
Replies: 52
Views: 8131

Re: Bonus how much do you spend vs save?

My husband and I seldom get bonuses but if we do they go directly to our portfolio, after taxes. On the other hand, any raises are 100% invested -the full gross amount through direct deposit. Of course we treat ourselves to a nice dinner, vacation, etc but we can do that any time. It's all about bal...
by MariaT
Tue Nov 18, 2014 3:06 pm
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 2376

Re: Lenovo vs Surface Pro 3

Where you'll see performance gains is from fast boots, fast application launching, fast application response, fast shut down, etc. This is what I am looking for. So it seems Surface Pro 3 is the winner. Did not know that the 2 Lenovo Yogas I was looking at were magnetic hard drive. To be honest, I ...