Search found 1567 matches

by Katietsu
Mon Oct 22, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 301
Views: 23616

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Has anyone else received the “Mark your calendar, Name” email today stated that you have until October 31 for funding? It is not the date but the name that I have a question about. Mine uses my last name which seems odd. Just wondering if I put the names in backwards when I registered?
by Katietsu
Mon Oct 22, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Headlamp for dog walking
Replies: 24
Views: 1521

Re: Headlamp for dog walking

I have always used Petzl branded headlamps for walking. I have found them very comfortable, durable and easy to use.
( I have a couple of these $10 lights recommended here, which are fine for around the house. But these are not comfortable for walking for an hour in my opinion.)
by Katietsu
Sun Oct 21, 2018 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 301
Views: 23616

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

To Kevin M I read the rules the same as you. I think it is crazy if they enforce them as your chat responses describe. They are going to upset some of their most loyal customers who are using Ally as their primary bank. I suspect many of these customers are not as persistent at seeking clarification...
by Katietsu
Sat Oct 20, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 301
Views: 23616

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

any idea if I open a savings account and then transferred $100,000 in, but then open up a no penalty CD and move the money from the savings account into it, will the bonus still apply? My understanding is that you can move the money around within eligible account types as much as you want. Though, ...
by Katietsu
Sat Oct 20, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 41
Views: 3336

Re: Inflating AGI to avoid paying back ACA Premium Tax Credit

Not to derail the thread, but do some folks think that not taking all deductions you're entitled to is unethical? Or even illegal? Such a thought never occurred to me. It never occurred to you, likely, because you associate a higher income with a higher tax liability. For some, a higher income can ...
by Katietsu
Thu Oct 18, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10384

Re: Should we move to San Diego from east coast?

I am worried that the OP is confusing vacation with location. It reminds me of when the 9 year old wanted to move to the Outer Banks of NC. Because they figured it would mean beach, swimming, no school and playing with cousins everyday. I would definitely make another trip before I started planning ...
by Katietsu
Wed Oct 17, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3562

Re: Not convinced with insurance

At least part of the 300usd for non-owner would be offset by not having to buy rental car liability from the rental car company (probably ~$10/day). That's a good point. I usually don't get the full coverage from the car company since I have the coverage provided by the chase sapphire reserve credi...
by Katietsu
Tue Oct 16, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 41
Views: 3336

Re: Inflating AGI to avoid paying back ACA subsidies

However, if you provided an honest estimate of your expected earnings, you will not need to pay back subsidies that were already provided on your behalf if it turns out your income was too low. Check out the IRS instructions for Form 8962. Those may help you understand some of the rules though it d...
by Katietsu
Tue Oct 16, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Inflating AGI to avoid paying back ACA Premium Tax Credit
Replies: 41
Views: 3336

Re: Inflating AGI to avoid paying back ACA subsidies

It sounds like you found a solution with the Roth conversion. Just make sure you give enough time for completion. I have had them completed in as little as two days but as long as almost a month. This is the best option that I see. However, if you provided an honest estimate of your expected earning...
by Katietsu
Tue Oct 16, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: HDMI Splitter or Switch?
Replies: 24
Views: 1379

Re: HDMI Splitter or Switch?

Maybe you could just work with what you have. Use the HDMI port for the Xbox 360. Stream Netflix through the Xbox - no need for a Roku. If you need a cable box, get one that connects via the RCA composite connections. Use one of the audio out options for the sound bar.
by Katietsu
Mon Oct 15, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Mobile phone service/providers/new phone
Replies: 4
Views: 448

Re: Mobile phone service/providers/new phone

We are moving from the Northeast to west Florida. We currently have iPhones that are 3.5 yrs old and looking to upgrade. At&t isn’t the best here but understand the service is better in FL. But my main question is I hear so many conflicting opinions on buying the phone via Verizon for example, or g...
by Katietsu
Thu Oct 11, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2244

Re: Mold on inspection, need advice

Ok. Now with the detail of the problem being in the ceiling below the bathroom, I would personally not back away if I like the house. I suspect I have never lived in a home that had not a bathroom leak and mold at least once. In my experience, that is not the same as the mystery problem behind the b...
by Katietsu
Wed Oct 03, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Upcoming Medicare Open Enrollment - Widowed Mom
Replies: 6
Views: 438

Re: Upcoming Medicare Open Enrollment - Widowed Mom

You need to make sure that the “coverage as it is” will remain the same for 2019 in the ways that impact your Mom.
by Katietsu
Wed Oct 03, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Unemployed - 401(k), IRAs, etc
Replies: 4
Views: 580

Re: Unemployed - 401(k), IRAs, etc

Your maximum HSA contribution is based on the number of months you are under a HDHP. So, you should still be able to make your contributions for now. If you can not make them to your current account, you can open a new one. Also, I would reconsider having your Roth all in bonds. I understand the tax...
by Katietsu
Tue Oct 02, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: My bank and absurd policy for "no fee"
Replies: 51
Views: 4245

Re: My bank and absurd policy for "no fee"

Change the statement date so that this is not an issue. If they can not figure out how to do that, you need to decide if you still want to do business with them. With a little hassle, you could open a new account on say October 10. Then your direct deposit will always fall one per month.
by Katietsu
Sun Sep 30, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Cancer patient - Estate planning for minor beneficiary
Replies: 14
Views: 1497

Re: Cancer patient - Estate planning for minor beneficiary

Do you have an idea of how much you will be leaving to your son? I know it may be difficult to be precise as you will need to provide for your own care. You may get more specific input with this additional information. Also, how long did you work and live in the US? I am always inspired by those who...
by Katietsu
Sat Sep 29, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: 8606 mess and what to do
Replies: 41
Views: 4028

Re: 8606 mess and what to do

I agree with Celia. This is a mess. Step 1 is to get a new tax preparer to keep you from making any more mistakes. The original mistakes might be forgivable. But not knowing that the 8606 forms could and should all be filed now is not excusable. First, you do not need a 1040X based on the informatio...
by Katietsu
Sat Sep 29, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2669

Re: 0% loan to family member

You say nothing about this putting your parents’ own lifestyle at risk. As long as this is true, then you should say nothing. The only possible conversation that I would have would be with my parents. That conversation would be about FUTURE loans and making sure this does not escalate into something...
by Katietsu
Fri Sep 28, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2394

Re: Amex premium car rental insurance not kicking in

I thought (in the past) there were many very supportive endorsements of the Amex car rental protection - and that it only had a fee when you actually rented the car (using the Amex card) as well as that the fee was per rental NOT per day. :confused I agree. I have never had a problem. The fee is pe...
by Katietsu
Fri Sep 28, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7511

Re: Amazon Prime - Value?

This thread reminded me, I just went and set a reminder on the account to notify me before the next renewal. I plan to cancel. I also am seeing way less items available in 2 days, I end up buying a lot of small stuff that I could either skip or wait to order, I do not use Prime Video, I rarely use ...
by Katietsu
Fri Sep 28, 2018 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Treasurydirect wanting form 5444
Replies: 4
Views: 672

Re: Treasurydirect wanting form 5444

When you say you “filled out the form” (before going to Chase), did you actually sign it at that time?

You must sign in front of the certifying person according to the verbiage. This is consistent with getting a document notarized, etc.

Maybe this is your only problem?
by Katietsu
Thu Sep 27, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Good flip flops
Replies: 46
Views: 3460

Re: Good flip flops

If you want a chance to try on some of these more structured flip flops, go to stores like REI and Dicks Sporting Goods.
by Katietsu
Thu Sep 27, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten
Replies: 27
Views: 1241

Re: Suggestions on Phonics & Reading programs for 4 year old? Pre-K to Kindergarten

I am concerned about the line in the OP that Mom may not follow through. If this is not something Mom is enthusiastic about then I agree with those who have posted that you do not need to teach a preschooler to read. You need to teach them to learn which is not the same thing.
by Katietsu
Wed Sep 26, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle $500 rental car damage with CC insurance
Replies: 14
Views: 2032

Re: How to handle $500 rental car damage with CC insurance

I do not know of any reason not to make the claim. I have used it and they handled it efficiently and pleasantly. As to your second question, I believe they advertise their insurance as a way to avoid surcharges on your “regular” insurance. I have also paid for repairs for both my car and someone el...
by Katietsu
Wed Sep 26, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8996

Re: Losing Passion for Hobbies. Cheap or normal aging?

You have a wife, a home, a career and a new puppy and a tentative plan towards creating a “nest” for a new baby. You also are still spending time on multiple leisure activities that do not appear to involve the wife, dog, job or home. I am having trouble understanding how you would have time to cont...
by Katietsu
Wed Sep 26, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3731

Re: First-time victim of credit card fraud

Please do not waste anymore time thinking about it. Continue your current practices since it is pretty amazing that this is your first time. But the chance that you will ever know how the number was acquired by the criminals is minuscule. And, as others have said, the use of the card only at SWA doe...
by Katietsu
Tue Sep 25, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: When do you need a hearing aid
Replies: 49
Views: 3112

Re: When do you need a hearing aid

Do you have a spouse? Kids? Roommate? Lunch group? Poker group?

In my experience, they may be aware of your need for a hearing before you are.
by Katietsu
Tue Sep 25, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6525

Re: My Very First Smartphone — Please Critique This Plan

It sounds like you might want to spend the bucks on a good case. My family has had good experience with LifeProof and Otterbox. Do it right away before you scratch your screen if not worse.
by Katietsu
Tue Sep 25, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6691

Re: Job burnout - Keep grinding or change?

I do think speaking with a counselor of some sort could be helpful. The OP might just not want to bare his soul online, but he did not outline specifics aspects of his job that were untenable. The gentleman on this forum who recently was thinking of a career change because of his 100 hour work weeks...
by Katietsu
Tue Sep 25, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Is there any point to keeping old X-rays?
Replies: 8
Views: 721

Re: Is there any point to keeping old X-rays?

Yes, it could be helpful as tyrnup13 described. You will just need to decide if the small chance of it being helpful is worth it to you vs wanting to rid yourself of clutter.
by Katietsu
Mon Sep 24, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7399

Re: Fed up with health insurance situation

I can give you another data point but I don’t know if it will make you feel better or worse. My insurance is through a large government plan with tens of thousands of people insured. The HSA plan for two adults with a $4000 deductible in state and an $8000 deductible out of state cost the employee $...
by Katietsu
Mon Sep 24, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRA contribution made income too LOW ... thoughts?
Replies: 5
Views: 757

Re: IRA contribution made income too LOW ... thoughts?

The IRS does not have bigger fish to fry in that the IRS sends letters to many very low income people concerning their ACA subsidies. However, the good news is that if they provided a reasonable good faith estimate to the Marketplace about their anticipated 2017 income and they were never actually p...
by Katietsu
Fri Sep 21, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: Over 120 Vanguard funds go transaction free at E*trade
Replies: 15
Views: 1661

Re: Over 120 Vanguard funds go transaction free at E*trade

This is a good for ETrade customers. I still prefer not to buy in ETrade - because ETrade does have a partial transfer fee. Merrill Edge, Fidelity, and Vanguard are my preferred places to buy ETFs - since all 3 do not have a partial transfer fee. note: Merrill Edge and Fidelity do have full transfe...
by Katietsu
Fri Sep 21, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6525

Re: My Very First Smartphone — Please Critique This Plan

A few comments: -Your plan is fine as long as the geographic coverage area works well for you. -You should be able to set up your existing email account for access from your phone with no problem. -I think you may have already realized it, but, in my experience, many of the suggestions for lower pri...
by Katietsu
Thu Sep 20, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)
Replies: 36
Views: 2564

Re: BlackFriday Shopping - what do you usually buy? (other than Christmas gifts)

livesoft wrote:
Thu Sep 20, 2018 1:23 pm
Better deals on 11/11. Last year I bought a down parka.
+1
Best deals recently seem to happen in the couple of weeks before Black Friday.
by Katietsu
Thu Sep 20, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar cost average funds being transferred to new retirement account?
Replies: 25
Views: 1764

Re: Dollar cost average funds being transferred to new retirement account?

Do you have to sell the current funds before transferring? Will you save a lot in fees doing it that way?
by Katietsu
Thu Sep 20, 2018 5:50 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1139

Re: Need iPhone case recommendations

All my relatives use LifeProof cases.

Any idea what the key vulnerability is?
by Katietsu
Thu Sep 20, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6977

Re: Don't trust Tripadvisor reviews

I have never had an issue with a hotel selected based on TripAdvisor. I usually put more weight into my assessment of the reviews than I do the absolute rating. This is especially true when the number of reviewers is small and could have been skewed by just a few fake reviews. I would not find 9 pho...
by Katietsu
Thu Sep 20, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2977

Re: Moving to Dallas, how to establish residency

I don’t think the contact time in Ohio applies when you are changing residence. In other words, you can be a Part year resident of Ohio for 9 months and of TX for 3 months. The contact days applies if you want to be a non resident of Ohio for all of 2018. You would want to keep track of the part of...
by Katietsu
Thu Sep 20, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 2803

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. The TSP is hip. You must be joking. They take forever to do anything. In order to do a withdrawal, you must eithe...
by Katietsu
Thu Sep 20, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: TSP to Increase Stock Holdings in L Funds
Replies: 49
Views: 2803

Re: TSP to Increase Stock Holdings in L Funds

I wonder when the next change will be? Market timers should be so excited about this, that the TSP is always going to try to remain hip and viable to whatever's popular in a given year. The TSP is hip. You must be joking. They take forever to do anything. In order to do a withdrawal, you must eithe...
by Katietsu
Wed Sep 19, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2977

Re: Moving to Dallas, how to establish residency

I don’t think the contact time in Ohio applies when you are changing residence. In other words, you can be a Part year resident of Ohio for 9 months and of TX for 3 months. The contact days applies if you want to be a non resident of Ohio for all of 2018. You would want to keep track of the part of ...
by Katietsu
Mon Sep 17, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. EJ vs. Fidelity
Replies: 13
Views: 1051

Re: Vanguard vs. EJ vs. Fidelity

Do you have a Fidelity off ice nearby? Some people appreciate being able to go to the office in person when forms need completed etc. This would be an advantage for Fidelity. You could simply tell Fidelity you want everything to go to the Fidelity Freedom Target date Index fund of your choosing. (Ma...
by Katietsu
Mon Sep 17, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2289

Re: $180 IPhone SE or $90 Iphone 5S

For a $90 difference there is no comparison. New vs used, 5s processor vs 6s in the SE. And what about the battery? A battery replacement can cost almost the same as the price difference in the phones. Additionally, the SE has double the storage space so you will not have to worry about it if you wa...
by Katietsu
Mon Sep 17, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2289

Re: $180 IPhone SE or $90 Iphone 5S

I would strongly consider moving to a 7. The SEs do not have access to the full bands of cellular networks. If you want full LTE, they are more or less tied to the carrier they are designed for, and subsequent MNVOs. Buying an SE might be a cost saver, but over the long term you are stuck with a ne...
by Katietsu
Sun Sep 16, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12155

Re: Considering Quitting Job - Seeking Advice. Would you do it?

Option 1: Stay with the company and move back to a 50 hour work week in another position. Accept potentially never being promoted again. Assess the likelihood of being able to stay around to retirement age in a role that does not make you dread going to work. Option 2: Get a new job now. Half as muc...
by Katietsu
Sun Sep 16, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Cheapest smartphone option for 2 weeks
Replies: 12
Views: 886

Re: Cheapest smartphone option for 2 weeks

It depends on what you want to do with it and how much data you need. If I was only going to be without Home internet service for a day or two, I would have different needs than if I was going to be driving cross country for those two weeks. If acceptable, I would keep it simple and just go into a T...
by Katietsu
Sun Sep 16, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12155

Re: Considering Quitting Job - Seeking Advice. Would you do it?

As someone about 5 years older than you, I will say that DH and I both feel we peaked around your age as far as the ability to to pull off those heavy workloads for more than a few days at a time. I remember a parent saying the same thing and not really understanding at the time. So my warning to yo...
by Katietsu
Sun Sep 16, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How much to request on increase credit line & Large loan approval
Replies: 7
Views: 378

Re: How much to request on increase credit line & Large loan approval

You probably won’t have any trouble regardless. If you do, it likely will not be because of your credit score. However, my suggestions are this: For the month or two before the car loan, simply pay off your credit card a couple of days before the statement date. So, for instance, you can charge $500...
by Katietsu
Sat Sep 15, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: HOA Donation in Remembrance of Deceased Owner
Replies: 40
Views: 3144

Re: HOA Donation in Remembrance of Deceased Owner

Have no idea how common. I have seen flowers at a funeral home with a card from the homeowners association. Of course, I have no idea if the flowers were purchased from mandatory fees or a voluntary fund.