Search found 1381 matches

by William4u
Thu May 14, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4061

Re: New Brake Pads

FWIW, I used to use Centric premium rotors and Akebono pads, really good combo for about $100/axle bought on Amazon, plus hardware kit and grease. Now I go for Advanced Auto/Carquest Platinum rotors and pads - $90 with online coupon, minus $25 MIR, $65 total/axle. And the pads come with with all ha...
by William4u
Tue May 05, 2020 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24306

Re: IRS Get My Payment up and running

Polymorphic wrote:
Tue May 05, 2020 1:04 pm
My DD arrived today, although Treasury's site listed May 6th as the expected date.
+1 Deposit showed up today just after midnight. Nice to not have to worry about it. I was unable to enter my DD info for some time until April 24.
by William4u
Sat May 02, 2020 8:38 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24306

Re: IRS Get My Payment up and running

We were able to enter our information on Sat. April 25. We are now scheduled for DD on May 6. Same here: April 25 -> May 06: We scheduled your payment to be deposited on May 06, 2020 to the bank account below xxxxx Just got it this morning too. Almost the same here, but April 24 -> May 06: "We sche...
by William4u
Wed Apr 29, 2020 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24306

Re: IRS Get My Payment up and running

Like a lot of others on here, I finally got through and successfully entered my banking info last Friday, April 24. Has anybody who entered banking info last Friday been able to get an update on when the deposit is scheduled? I know people who entered their info prior to either the 23rd or 22nd are...
by William4u
Mon Apr 27, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus money if I owed taxes in 2019?
Replies: 11
Views: 1479

Re: Stimulus money if I owed taxes in 2019?

Today's Washington Post... However, the IRS cannot make direct deposits into bank accounts used to make electronic tax payments, even if that account information is known to the agency, according to IRS spokesman Eric Smith. https://www.washingtonpost.com/business/2020/04/27/more-1200-stimulus-check...
by William4u
Sun Apr 26, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217563

Re: Fidelity as a one stop shop

I wish I could have all banking and investments under one roof like years ago! Come on Vanguard! That was simplicity! Couldn't you still do that with BofA or WF? Not that I would. :D You could but I was venting out loud for Vanguard! Agreed. VanguardAdvantge was much better than the Vanguard/Fideli...
by William4u
Sun Apr 26, 2020 8:22 am
Forum: Personal Investments
Topic: Which Fidelity 529?
Replies: 10
Views: 582

Re: Which Fidelity 529?

NH has the lowest overall ER and good funds.
by William4u
Fri Apr 24, 2020 7:43 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24306

Re: IRS Get My Payment up and running

After only receiving the no payment available message since 4/15, this morning the system recognized me and I was able to enter my direct deposit info. Some data points: 2018 filed via TT owed money, 2019 not filed yet. Same here. After the no payment available message for days, it finally worked t...
by William4u
Wed Apr 22, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24306

Re: IRS Get My Payment up and running

I'm not sure whether or not they're processing the stimulus in order of lowest AGI to highest. Our AGI (married filing jointly) was around $63k in 2019 and there is no deposit date scheduled yet (we were able to successfully input our bank information on April 15th). I'm personally not in a hurry b...
by William4u
Mon Apr 20, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24306

Re: IRS Get My Payment up and running

“Payment status not available” every time for days. I wish we would fund the IRS.
by William4u
Mon Apr 06, 2020 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus money if I owed taxes in 2019?
Replies: 11
Views: 1479

Re: Stimulus money if I owed taxes in 2019?

From the IRS page: How will the IRS know where to send my payment? The vast majority of people do not need to take any action. The IRS will calculate and automatically send the economic impact payment to those eligible. For people who have already filed their 2019 tax returns, the IRS will use this...
by William4u
Mon Apr 06, 2020 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are cell phones like cars? [Buying new vs buying used or keeping old]
Replies: 62
Views: 3331

Re: Are cell phones like cars? [Buying new vs buying used or keeping old]

In April a year ago I bought a used Pixel 2 for $168 from ebay (had a crack on the back, but with a good case I can't see it). It works great and should last a few years before I get a new one. I get a new phone only when it is so old that I have trouble running software I want to use regularly.
by William4u
Sat Apr 04, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: College choice dilemma
Replies: 167
Views: 7638

Re: College choice dilemma

For me it really depends on where the child will really thrive. A mediocre-to-bad student at Princeton will be a top student at Vandy. It is generally better to be a top student at Vandy than a bottom student at Princeton. There are exceptions; I know one person who was happy to be one of the "worst...
by William4u
Sat Mar 28, 2020 3:53 am
Forum: Investing - Theory, News & General
Topic: CARES Rollover: “Bad” Plan to “Good” Plan
Replies: 11
Views: 1259

Re: CARES Rollover: “Bad” Plan to “Good” Plan

I'm no tax expert, but that is how I read the care act. You can take from one plan, and as long as you put it back into any other plan in 3 years, there are no taxes or penalties.
by William4u
Sat Mar 28, 2020 3:40 am
Forum: Investing - Theory, News & General
Topic: [CARES Act] Overview
Replies: 98
Views: 6413

Re: CARE Act Overview

There are some confusing and ambiguous things in this bill, largely as a result of it being a credit for 2020 based on 2019/2018 tax returns. Some people on here have claimed that if your income goes up in 2020, above the phaseout thresholds, that your credit would be essentially clawed back when y...
by William4u
Fri Mar 13, 2020 10:53 pm
Forum: Investing - Theory, News & General
Topic: Is it time to GET OUT?
Replies: 125
Views: 10722

Re: Is it time to GET OUT?

I don't think of my holdings as being down at all. I've held my investments for many years, and I am way, way up overall. The S&P500 is still significantly up from where it was on Dec 21 2018, for example.
by William4u
Tue Mar 10, 2020 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Traditional IRA to Avoid 22% tax bracket, or just go Roth?
Replies: 9
Views: 676

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

What do you think of this scenario? A family can max a Traditional IRA contribution and just barely go entirely from the 22% bracket and into the 12% federal tax bracket (also, add 7% state income tax). Or they could just max their Roth IRAs. Basically, they could pay 29% tax now and go Roth, or pay...
by William4u
Thu Feb 06, 2020 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: FreeTaxUSA first-time user
Replies: 9
Views: 690

Re: FreeTaxUSA first-time user

I've used it for years and it works for me. Federal is really free; only state costs anything.
by William4u
Sat Nov 30, 2019 11:10 am
Forum: Personal Investments
Topic: Vanguard vs. Fidelity
Replies: 62
Views: 5658

Re: Vanguard vs. Fidelity

There is one important thing that concerns me. Right now, I am fully able to make good financial decisions. However, as I age, or as DW ages, and might be a widow, will we still be able to make such good decisions? Similarly, will our heirs make good decisions? With this in mind, Fidelity has a lot...
by William4u
Wed Nov 20, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3385

Re: Alternatives to VOIPo?

For google voice: Is E911 available? IIRC, at one time it was not, but that was many years ago. Broken Man 1999 You have to use a third party for 911. I use Callcentric and pay $1.50 per month for it... You can set the Obi200 to call the regular local 10 digit "911" number by dialing 911 on your ke...
by William4u
Mon Nov 18, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 3385

Re: Alternatives to VOIPo?

I have found that google voice is reliable and free with an Obi 200.
by William4u
Mon Oct 07, 2019 9:15 pm
Forum: Personal Investments
Topic: how to divest while holding the index
Replies: 7
Views: 830

Re: how to divest while holding the index

I have seen suggestions to put money into something analogous to carbon offsets. So if you are concerned about XYZ's doing X, then for example give to charities that correct for X. So, if you are concerned with companies causing global warming, you might give money to charities and companies that ar...
by William4u
Mon Oct 07, 2019 9:12 pm
Forum: Personal Investments
Topic: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?
Replies: 31
Views: 2667

Re: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?

Just as there are costly active Fidelity Freedom target date funds and cheap passive Fidelity Freedom Index target date funds, and similar at Schwab, it looks like JPMCB has at least two and maybe three strata of funds under their SmartRetirement service mark. The fund/product line linked in the op...
by William4u
Wed Oct 02, 2019 2:50 pm
Forum: Personal Investments
Topic: UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?
Replies: 31
Views: 2667

UMN System Switch from Vanguard Target Date to expensive JPMorgan SmartRetirement Funds, Fiduciary?

The university system manages $50 billion in retirement assets. 76% of new employees use the default Target Date Funds for their retirement investments. Currently, those target date investments go into a Vanguard Target Date Institutional Fund with an ER of as little as 0.08%. A university system co...
by William4u
Sat Sep 14, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expense Equity State-To-State
Replies: 13
Views: 1192

Re: Living Expense Equity State-To-State

We are long time NC residents but I have paid taxes in SC for property and sale of property and our daughter has lived there for 24 years, so I am familiar with their tax bite. Overall, SC seems better from tax and regulatory basis and for us, culturally too (YMMV) I've never heard someone say SC i...
by William4u
Sat Sep 14, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7033

Re: Vanguard is Falling Behind Compared to Fidelity

Loved Vanguard when they had the VanguardAdvantage CMA service. Vanguard's closing that really annoyed us. It was a great service. That closure pushed us to Fidelity's CMA service, which is good (albeit with lower MM rates than Vanguard). We will probably slowly move our assets from Vanguard to Fide...
by William4u
Wed Sep 11, 2019 11:46 am
Forum: Personal Investments
Topic: Could I use Fidelity brokerage account instead of its checking account?
Replies: 7
Views: 1292

Re: Could I use Fidelity brokerage account instead of its checking account?

I have found no difference in my CMA vs brokerage account. In name only as far as I can tell. Just put your money in FDLXX (Treasury only money market account). I have both and found two little differences. The CMA account has free ATM reimbursement for all account holders (the brokerage requires o...
by William4u
Mon Sep 09, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Winter (snow) tires for Volvo XC-70
Replies: 26
Views: 1899

Re: Winter (snow) tires for Volvo XC-70

In the past, I have used Michelin X-Ice but now that I am retired I am putting Michelin CroosClimate+ on everything I can. All-season, incredible ratings from Consumer Reports. Downside is only available in certain sizes. I have a hard time believing that the Michelin CroosClimate+ are as good as a...
by William4u
Wed Sep 04, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Winter (snow) tires for Volvo XC-70
Replies: 26
Views: 1899

Re: Winter (snow) tires for Volvo XC-70

Michelin X-Ice winter tires are recommended by consumer reports, and they LAST a lot longer than the others. They have a 40,000 mile warranty, and cr says they last longer than that. The others will be worn sooner.
by William4u
Sat Aug 24, 2019 4:33 am
Forum: Personal Consumer Issues
Topic: Lawn chemicals - any experts here?
Replies: 37
Views: 2564

Re: Lawn chemicals - any experts here?

There is some evidence that a wide variety of pesticides can contribute to problems for a pregnant mother and her fetus. For example, a University of California Berkeley study found that exposure to organophosphates during pregnancy was linked to earlier delivery, an increase in abnormal reflexes in...
by William4u
Tue Aug 20, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 72
Views: 8595

Re: Vanguard vs. Fidelity??

..."Because of Vanguards admiral class/ETF class structure of some of their funds (e.g. VTSAX/VTI) their mutual funds are more tax efficient (generally 0 capital distributions) than Fidelity's"... Is this true? Can you elaborate on that? In what way does this impact return? Doesn't Fidelity have a ...
by William4u
Tue Aug 20, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Are there advantages to being married to a teacher?
Replies: 111
Views: 7672

Re: Are there advantages to being married to a teacher?

There may be some state taxation benefits to a teacher’s pension income depending on the state and pension plan. It is also very common that retired public school employees receive health insurance benefits - even after they become Medicare eligible. A very large neighboring county, for example, pr...
by William4u
Sun Aug 18, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 21112

Re: Selective Colleges

- Elements of this conversation have focused on starting salaries after graduation which is a really weak metric to gauge the value of a degree. I’d find a study demonstrating salary progression by industry, by undergraduate institution to have much more value — though I’m not sure it exists. Yes, ...
by William4u
Sun Aug 18, 2019 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 21112

Re: Selective Colleges

“End goal of a successful childhood” or not, here are some fun facts: University of Illinois Urbana Champaign Most popular majors: Engineering (22%) Business, Management, Marketing, and Related Support Services (13%) Social Sciences (8%) Communication, Journalism, and Related Programs (7%) Agricult...
by William4u
Sun Aug 18, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Best price/timing to buy 2019 Toyota Corolla Hatchback?
Replies: 18
Views: 2091

Re: Best price/timing to buy 2019 Toyota Corolla Hatchback?

Jame's Bragg's Fighting Chance method is by far the best way to buy a new car IMHO...
https://fightingchance.com/
viewtopic.php?t=124638&start=250
by William4u
Fri Aug 02, 2019 12:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Just got off the line with my Flagship Select rep. After decades with Vanguard I am disappointed that they continue to under deliver in the customer service department. The website is atrocious. I can't count the number of times I've called them and the rep is either clueless or the answer is that ...
by William4u
Mon Jul 22, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Cruise advice?
Replies: 45
Views: 3543

Re: Cruise advice?

If sexual assault is under-reported, how does anyone know if it's happening? Seriously? https://www.brennancenter.org/blog/sexual-assault-remains-dramatically-underreported https://ocrsm.umd.edu/files/Why-Is-Sexual-Assault-Under-Reported.pdf https://www.psychologytoday.com/us/blog/the-compassion-ch...
by William4u
Thu Jul 11, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Go to the Activity & Orders tab of the account and find the Check Paid # XXXX (Cash) item and click on it. The check images will show inline there. It does take a while: the check paid will appear in your activity severals days before the images become available. Thanks. I was clicking on the wrong...
by William4u
Wed Jul 03, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 232
Views: 53630

Re: Vanguard Prime Money Market yield over 2.5%

VUSXX compound yield is 2.31%. Your tax equivalent yield is 2.54% = 2.31% / (1 - (22% + 7.05%)) * (1 - 22%). How do the IRS and state know not to charge tax on VUSXX at tax time? My understanding is that they do not, you have to figure it our yourself when you file state taxes. One reason I persona...
by William4u
Wed Jun 26, 2019 9:38 am
Forum: Personal Investments
Topic: Retired: Don't want to outlive my funds
Replies: 65
Views: 8683

Re: Retired: Don't want to outlive my funds

There are a lot of risks here. The OP notes that he or she is $8000 short annually already, and his/her pension is not inflation indexed and is losing value to inflation. Having the rest of the money in Money Market funds mean more inflation risk there. I agree with many voices here that there are s...
by William4u
Tue Jun 18, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: short term treasury ETFs a money market account substitute?
Replies: 20
Views: 2931

Re: short term treasury ETFs a money market account substitute?

I use ICSH ETF (ishares ultra short bond fund) for part of my Emergency Fund. The advantage of ICSH is that the 2.73% yield is pretty close to the 2.79% yield of Vanguard Short Term Fund (VCSH), but the interest rate risk of ICSH is significantly lower because the average duration is less than 6 mon...
by William4u
Sun Jun 16, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3890

Re: Best way to teach my 4 year old to be fluent in Spanish?

All kinds learn language by immersion. There are immersion preschools in our area that only use Spanish.
by William4u
Mon Jun 10, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 16096

Re: I'm thinking about buying an exotic supercar anyone here done this and feedback?

I'm going to do something awful and uncalled for and completely unfair and guilt trip you. You can afford this. But are you sure that this $175K will bring you more pleasure than trying to help other people with that money? Even in the USA, you could help someone with $175K. And if you were to go o...
by William4u
Tue May 07, 2019 4:11 am
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 5029

Re: Winter Tires All Year?

ohai wrote:
Mon May 06, 2019 2:00 pm
Winter tires will slip in the summer, as the rubber melts and becomes squishy.
+1 It is dangerous. At higher temps the very soft rubber will turn to near liquid and be unstable in certain situations. Don't do it.
by William4u
Fri Apr 26, 2019 8:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Question: After the demise of Vanguard Advantage, will Vanguard still offer some sort of debit card access, or will there no longer be any Vanguard debit card? Thanks, Smectym PS If the answer is already posted somewhere in this voluminous thread, sorry, I must have missed it. Nope, no more debit c...
by William4u
Wed Mar 27, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Are independent garages cheaper than dealer?
Replies: 58
Views: 4930

Re: Are independent garages cheaper than dealer?

The best independent repair shop in my city is much better and cheaper than any dealer. The worst independent is worse than any dealer. In my limited experience dealers get the newly minted graduates from the local tech school, and some of the new grads are good and some are not. My independent shop...
by William4u
Sun Mar 17, 2019 10:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I'm setting up my new Fidelity Brokerage account, and I have a choice of core sweep MM funds for my direct deposit: either Fidelity Government Money Market Fund (SPAXX) or Fidelity Treasury Fund (FZFXX). It seems to me that FZFXX is the best choice for the core sweep fund, since it is 100% state tax...
by William4u
Fri Mar 08, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Last week I started the process to link my existing Fido CMA to Vanguard. Vanguard did two micro deposits overnight that I verified the next day. The next step is for them to "verify" my linked account. They note it could be several business days. It has been. Six so far. +1 I do not know why it ta...
by William4u
Wed Mar 06, 2019 10:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Does anyone know Fidelity's policy if someone writes a fake check on your account? What if a person gets my account number and makes some fake checks? This Fidelity website is not forthcoming about such a scenario...

https://www.fidelity.com/security/custo ... -guarantee
by William4u
Wed Mar 06, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 69063

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I do not believe that anyone in this thread has offered an alternative with a lower opportunity cost (i.e. a higher interest rate on a checking account) than Fidelity currently does using CMA and money market funds. I have, find a local bank or credit union that will provide decent banking services...