Search found 13 matches

by boridi
Tue Sep 04, 2018 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6576

Re: Emergency fund size

and here's my counter to that argument. what's the difference between someone with a 80/20 allocation with a dedicated EF vs someone who has 70/30 allocation with no EF? pretty much nothing. yet the standard answer to "what should my AA be" is "need/ability to take risk", aka there's no correct ans...
by boridi
Wed Jul 04, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Prime Money Market vs. 'Brick & Mortar' Savings Account
Replies: 18
Views: 3091

Re: Prime Money Market vs. 'Brick & Mortar' Savings Account

After a little analysis, it seems the US Treasury Money Market (VUSXX) may actually be the best deal for her, at least in terms of net after tax earnings. SEC Earnings Federal Tax Free Taxable Fed Taxes AfterTax Fund Yield on $400K Obligat Earnings Earnings @ 22% Earnings VMMXX 2.04% $8,160 31.4% $...
by boridi
Tue Jul 03, 2018 5:25 am
Forum: Personal Finance (Not Investing)
Topic: Need Info/Experience With Opening Capital 360 Account
Replies: 7
Views: 618

Re: Need Info/Experience With Opening Capital 360 Account

signewton wrote:
Tue Jul 03, 2018 3:00 am
Check deposit and transfer times are horrendous (if over $300).
My paychecks (several thousand dollars) are always available the next business day with Cap One 360.
by boridi
Sat Jan 27, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax Question
Replies: 8
Views: 1600

Re: Capital Gains Tax Question

Make up several cases for amounts of earned income, long-term capital gains, and qualified dividends. Then run them through the Qualified Dividends and Capital Gains Worksheet - the worksheet where special tax rate is applied to long-term capital gains/qualified dividends
by boridi
Sun Jan 21, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 54
Views: 10664

Re: Met with a CFP, not too impressed.

If you want 40/60, why not just dump everything in Vanguard LifeStrategy Conservative Growth (or other LifeStrategy funds to get something besides 40/60)? It seems anti-low-cost to pay thousands of dollars or drive to different states for portfolio suggestions that don't even meet the desired AA.
by boridi
Sat Jan 13, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Vanguard merchandise
Replies: 4
Views: 675

Vanguard merchandise

A few years ago, Vanguard had a merchandise page with bumper stickers, coffee mugs, etc. Can't find it now. Anyone know if it's still around?
by boridi
Thu Jan 11, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 13394

Re: Is it time for me to "call in rich"?

Do you have 35 years of credit for SS? Run the math to see if an extra year or two makes a difference. Are there any kicks on your retirement plan? For example, for our plan, 55 is a milestone that’s important in the retirement plan. How much is that worth? An extra year or two would make no differ...
by boridi
Thu Sep 07, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 14466

Re: Capital One -- Again!

welderwannabe wrote:
Thu Sep 07, 2017 7:56 pm


The reason I don't use capital one is their savings account interest is poor. I used to use ING Direct, but I think they went a bit downhill when CapitalOne picked them up.
They have 1.20% interest on their money market savings as long as you have $10,000 in it.
by boridi
Sun Sep 03, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 6113

Re: Discover card inquiry about income and liquid assets

You're looking at the wrong thing then. "Know Your Customer" is for all ages and income levels. It's the anti-money laundering provision enacted with the Patriot Act, and enhanced in recent years to track both regular criminal activities and terrorism funding. I can't correct everyone who is wrong ...
by boridi
Fri Sep 01, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 59
Views: 14466

Re: Capital One -- Again!

Try signing into the new website and then going here:

https://secure.capitalone360.com/myacco ... summary.vm

This was bringing me back to the old interface today. I agree that the new interface is bad. Open checking account -> More Services -> Documents brings me to a third interface.
by boridi
Sat Mar 12, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Where (on tax forms) are long & short cap gains taxes calculated?
Replies: 10
Views: 1111

Re: Where (on tax forms) are long & short cap gains taxes calculated?

Qualified Dividends and Capital Gains Tax Worksheet - it goes with line 44 on the 1040
by boridi
Thu Jan 01, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Trad IRA deduction limit with SEP IRA
Replies: 3
Views: 590

Trad IRA deduction limit with SEP IRA

I am a W2 employee at a company. I am not eligible to participate in the 401(k) until 2016. Since I am not covered by a retirement plan, I should be able to fully deduct Traditional IRA contributions. If I was covered, my MAGI is above the $71,000 limit. I also have a side business that results in s...
by boridi
Sun Jul 14, 2013 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: deposit check via scan
Replies: 15
Views: 2150

Re: deposit check via scan

After you scan the image, open the image in MS Paint and crop the picture so that there is only a centimeter of white-space (white or whatever color the background is) around the check.

I always had trouble until I did this. Now it goes through on the first time every time.