Search found 46 matches

by Dallas1521
Thu Jan 11, 2018 10:02 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 7644

Re: Kidde fire extinguisher recall

For people who received the replacement, did the box include any instructions/documents other than the instructions for returning the recalled one? My wife shipped it back before I could check the box. I thought there were two papers in there, but perhaps only the instructions to return it? Thanks....
by Dallas1521
Thu Jan 11, 2018 7:02 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 7644

Re: Kidde fire extinguisher recall

The one we received looks the same as the one that was recalled. The only apparent difference is where you would hold it is metal and not plastic. For people who received the replacement, did the box include any instructions/documents other than the instructions for returning the recalled one? My wi...
by Dallas1521
Wed Jan 10, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Large Purchase / Chase Sapphire Question
Replies: 21
Views: 2020

Re: Large Purchase / Chase Sapphire Question

Yes, I'm sorry - I keep mixing up Reserve and Preferred in my head - you would think that something called "Preferred" is better than its alternative.

Have you had to use the trip cancellation insurance w/ the Chase Sapphire card?
by Dallas1521
Wed Jan 10, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Large Purchase / Chase Sapphire Question
Replies: 21
Views: 2020

Re: Large Purchase / Chase Sapphire Question

Onourway: The Sapphire Preferred rewards amount in year 1 ($848) was after the $150 annual fee. My math was 50,000 bonus points X $0.015 = $750 minus the net annual fee of $150 = $600, plus $248 rewards on my $5,500 travel purchase ($5,500 X 3 X $0.015). I will also look into the new Uber card w/ th...
by Dallas1521
Tue Jan 09, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Large Purchase / Chase Sapphire Question
Replies: 21
Views: 2020

Re: Large Purchase / Chase Sapphire Question

Thanks for all the replies. I’ve never had a card with an annual fee. Do they normally charge you the fee on the first day of the anniversary year? I’m just thinking of when I would have to close the account in order to avoid the fee. Onourway: For the Reserve card, the $95 annual fee is waived in y...
by Dallas1521
Tue Jan 09, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Large Purchase / Chase Sapphire Question
Replies: 21
Views: 2020

Large Purchase / Chase Sapphire Question

Hello all, I have a large purchase coming up (approx. $5,500) for a trip we are taking later this year. I am thinking of opening a Chase Sapphire Preferred or Reserve card due to the bonus points, though I’m not sure whether this is worth it. The other two cards I have are only 1% cash-back ($55 cas...
by Dallas1521
Tue Jan 09, 2018 2:44 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 5301

Re: Forgot to make my $5500 contribution for 2018

I wouldn't worry about it. If it keeps going up throughout the year and you contribute today or tomorrow, then you would have ended up buying shares at a lower price vs. later in the year.
by Dallas1521
Sat Jan 06, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 58
Views: 7644

Re: Kidde fire extinguisher recall

I just received my replacement today. Thanks to the OP for alerting everyone. I'm not sure what Kidde did (or could have done) to notify everyone about this.
by Dallas1521
Wed Apr 26, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Washing Machine Hook-up to Kitchen Sink
Replies: 6
Views: 2581

Re: Washing Machine Hook-up to Kitchen Sink

lthenderson, thank you for your detailed response – very helpful! I will review this with my wife.

We looked into the portable machines designed for faucet hookup, though they are too tall for the space we have (underneath counter) and they have less capacity.
by Dallas1521
Wed Apr 26, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Washing Machine Hook-up to Kitchen Sink
Replies: 6
Views: 2581

Washing Machine Hook-up to Kitchen Sink

Hello all, We live in a coop (apartment) where there is a washing machine in the kitchen. It does not have dedicated plumbing so the fill hose hooks up to the kitchen faucet for the water inflow and then drains out into the sink. The machine is likely several years old and has started to act up; it ...
by Dallas1521
Sat Apr 08, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Should I increase "Retirement Protection" Insurance?
Replies: 4
Views: 952

Re: Should I increase "Retirement Protection" Insurance?

Thank you for your replies. The premium is fixed so it wouldn't increase.

Regarding how they define being totally disabled: For the first 2-years, it's true own occupation so you could be doing other work; after that, it's still true own occupation, but you can't be working anywhere else.
by Dallas1521
Thu Apr 06, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Should I increase "Retirement Protection" Insurance?
Replies: 4
Views: 952

Should I increase "Retirement Protection" Insurance?

Hello all, I currently have LTD coverage through work as well as an individual policy. I also have a separate individual policy for “retirement protection” which, in the event of disability and not being able to work, would pay out a monthly benefit of close to $1,000. The premium for this is $325 p...
by Dallas1521
Thu Dec 31, 2015 2:17 pm
Forum: Investing - Theory, News & General
Topic: Can't Add Vanguard 529 Accounts to Yodlee?
Replies: 3
Views: 1010

Re: Can't Add Vanguard 529 Accounts to Yodlee?

LMK5,

I just tried adding my NYSaves account (Vanguard 529) to Vanguard Outside Investments, and it doesn't seem to be an option. Were you able to find a workaround or solution?

Thanks.
by Dallas1521
Fri Nov 20, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Did I exceed 401(k) maximum?
Replies: 3
Views: 632

Re: Did I exceed 401(k) maximum?

123 wrote:The YTD totals on your pay stubs should be the controlling numbers.

The totals/timing at the custodian's site are likely beyond your, and maybe your employer's, control.
Thanks! That's a relief to hear.
by Dallas1521
Fri Nov 20, 2015 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Did I exceed 401(k) maximum?
Replies: 3
Views: 632

Did I exceed 401(k) maximum?

Hello all, I just noticed on my workplace retirement plan website it states I contributed over $19,000 year to date, which would be over the $18,000 maximum (I'm not old enough for the additional $6,000 contribution). In looking at the transaction history, this is because my contributions from my 12...
by Dallas1521
Thu Nov 19, 2015 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & Non-Retirement Investing
Replies: 9
Views: 1748

Re: Portfolio Review & Non-Retirement Investing

krow36, thanks for your response. I need to update the Morningstar X-Ray tool to see my breakdown of stocks (large, mid/small, int'l) and bonds. I am going to exclude the 529 for this purpose since although it's technically my money, it's set asdie for my children. Does it make sense, as I've read e...
by Dallas1521
Mon Nov 09, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & Non-Retirement Investing
Replies: 9
Views: 1748

Re: Portfolio Review & Non-Retirement Investing

Goingup: Thank you for your response. At this point, it wouldn’t seem too likely that I would be retiring in my early 40s. I’m just having a hard time wrapping my head around my taxable account being 100% stocks plus a decent amount of cash sitting idle earning 1%. So if I invest the cash now (and c...
by Dallas1521
Sun Nov 08, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & Non-Retirement Investing
Replies: 9
Views: 1748

Re: Portfolio Review & Non-Retirement Investing

Krow36, thank you for your response. I will look into the bond funds you mentioned. BeBH65, the loan rates are pretty low, though I have been planning to put a bit more toward the mortgage since that has the highest rate and largest loan amount. We've been meaning to move the T. Rowe Price IRA to Va...
by Dallas1521
Sat Nov 07, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review & Non-Retirement Investing
Replies: 9
Views: 1748

Portfolio Review & Non-Retirement Investing

Hello all, I was hoping to get some input on my portfolio, in particular what funds to use in a taxable account that would be used before retirement. Thank you in advance for your time and advice! State of Residence: New York Ages: Early 30s Tax Filing Status: Married (with children) Emergency funds...
by Dallas1521
Fri Apr 10, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Adding small-cap value fund to Vanguard Target Retirement?
Replies: 13
Views: 2217

Re: Adding small-cap value fund to Vanguard Target Retiremen

Thank you all for the responses! As many of you noted, some more research would be needed before making any changes. However, I will likely opt to stay put with the Target Retirement fund as I like the simplicity of it and not having to rebalance each year when having individual funds.
by Dallas1521
Thu Apr 09, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: Adding small-cap value fund to Vanguard Target Retirement?
Replies: 13
Views: 2217

Adding small-cap value fund to Vanguard Target Retirement?

Hello all, I just came across the article below on marketwatch.com which shows the potential significant difference between having just a Vanguard Target Retirement Fund VS. having a Vanguard TR Fund PLUS 25% or even 40% in a small-cap value fund. http://www.marketwatch.com/story/how-to-double-your-...
by Dallas1521
Sat May 03, 2014 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Options - need some help
Replies: 13
Views: 2401

Re: Inherited IRA Options - need some help

The 2006 edition of Form 5329 should be down loaded and completed and the instructions followed for filing a waiver request. The 5329 Inst has a very poorly worded paragraph regarding filing the 5329 stand alone vrs filing with a 1040X. Despite the fact that this penalty has no affect on any other ...
by Dallas1521
Sat Apr 19, 2014 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Options - need some help
Replies: 13
Views: 2401

Re: Inherited IRA Options - need some help

Thank you, Alan. Form 5329 can just be filed now as a stand-alone form, right (i.e., without amending a prior tax return such as that from 2008)? They can just use the 2013 version of Form 5329? I wonder whether there are not too many occurrences of these situations since you would think beneficiari...
by Dallas1521
Fri Apr 18, 2014 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Options - need some help
Replies: 13
Views: 2401

Re: Inherited IRA Options - need some help

3) Each beneficiary files Form 5329 for 2008 but do not pay the 50% excess accumulation penalty. Submit with request to waive the penalty for "reasonable cause" according to the last page of the 5329 Instructions. Use best reason possible (probably that they were never told they had to take RMDs). ...
by Dallas1521
Thu Apr 17, 2014 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA Options - need some help
Replies: 13
Views: 2401

Inherited IRA Options - need some help

Hello, I have a question regarding an inherited IRA. I am trying to help out a friend and his sister with researching this since they don't know the first thing about this subject (and neither did I before they asked me to help!). Here are some facts: - The owner (father) passed away in 2003 before ...
by Dallas1521
Thu Sep 12, 2013 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Priority Listing for Money + Disability Insurance Review
Replies: 4
Views: 597

Re: Priority Listing for Money + Disability Insurance Review

On the LTD insurance, I ended up foregoing the retirement protection. The trust for the company we looked at had high fees and expensive investment options. And I think the contributions would have been taxable. I figured we would be better off by buying more upfront coverage. Username "Cash," than...
by Dallas1521
Wed Sep 11, 2013 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Priority Listing for Money + Disability Insurance Review
Replies: 4
Views: 597

Priority Listing for Money + Disability Insurance Review

Hello, hope everyone is doing well. I have a question about a priority listing for where your money should go (overall, not in particular to investing), and also a question about long-term disability (LTD) insurance I am going to apply for. Basic info about me: State of Residence: New York Ages: Lat...
by Dallas1521
Sat May 11, 2013 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: College savings too conservative / risk-averse?
Replies: 8
Views: 694

College savings too conservative / risk-averse?

I understand there is no consensus on the asset allocation for college savings, with some people very comfortable having 100% in stocks for the first several years while others will never have more than 50% in stocks (although it seems that those in the latter category are able to save much more thu...
by Dallas1521
Sun Apr 14, 2013 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to find out 529 asset allocation?
Replies: 4
Views: 560

Re: How to find out 529 asset allocation?

Thank you for your responses. I think my question was not clear enough. I am familiar with these 2 links from Vanguard and NYSaves. My current allocation is 60% in the conservative option (Vanguard Moderate Growth Portfolio during 0-5 yrs old which is 50/50 stocks/bonds) and 40% in the moderate opti...
by Dallas1521
Sat Apr 13, 2013 11:49 am
Forum: Investing - Help with Personal Investments
Topic: How to find out 529 asset allocation?
Replies: 4
Views: 560

How to find out 529 asset allocation?

Hello, I recently opened a 529 plan through NYSaves.org and am using a combination of the aged-based Vanguard portfolios. Does anyone know how I can see the asset allocation of stocks vs. bonds in the current portfolio (similar to how you can see this on the Vanguard site)? This information is nowhe...
by Dallas1521
Sat Dec 22, 2012 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Life & Disability Insurance
Replies: 2
Views: 820

Life & Disability Insurance

Hello all, I am currently shopping for long-term disability insurance coverage and was pretty much set on applying for coverage from the American Institute of CPAs as they offer very low rates, and I currently have life insurance through them. 1) Before applying, I figured I would check on here to s...
by Dallas1521
Sun Dec 16, 2012 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Asset Allocation for Newborn
Replies: 2
Views: 633

529 Asset Allocation for Newborn

Hello, I am going to open a 529 plan for my 2+ month old and was pretty much set on Vanguard’s age-based aggressive portfolio (100% in stocks until age 6 then 75% stocks, etc.) before doing some research, in particular some articles written on TheFinanceBuff blog which believe the age-based allocati...
by Dallas1521
Tue May 10, 2011 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Advice for 24-yr old
Replies: 4
Views: 964

livesoft wrote:If one doesn't have enough to meet the $3K minimums, then use ETFs.
Thanks, so there is no minimum investment for Vanguard ETFs?
by Dallas1521
Sun May 08, 2011 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Investment Advice for 24-yr old
Replies: 4
Views: 964

Taxable Investment Advice for 24-yr old

Hi All, My brother (24-yrs old, single, NY, 25% federal tax bracket, 7% state tax bracket) has money (low double-digits) to invest in taxable accounts (preferably at Vanguard). - He has a Roth IRA (T Rowe Price Target Retirement 2050) which he maxes out, and is not yet eligible to contribute to his ...
by Dallas1521
Fri Jan 14, 2011 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Similar Vanguard TR funds, but one has higher price
Replies: 5
Views: 780

Similar Vanguard TR funds, but one has higher price

Hello, I have my Roth IRA in the Vanguard Target Retirement 2050 fund. I am planning to start making 2011 contributions and noticed that the NAV of the Vanguard Target Retirement 2045 fund is $13.77 while the 2050 fund is $21.77. Since the returns and asset allocation of these funds are almost ident...
by Dallas1521
Mon Dec 13, 2010 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange VFWIX to VGTSX?
Replies: 5
Views: 1467

Exchange VFWIX to VGTSX?

Hello. I own Vanguard FTSE All-World ex-US Index Fund Investor Shares (VFWIX). The balance is not enough to convert to Admiral shares, and I have an unrealized gain just south of $200.00. Considering the small gain that would be subject to tax and the fact that it appears Vanguard Total Intl Stock I...
by Dallas1521
Sun Jun 14, 2009 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: New credit card now if buying home next year?
Replies: 4
Views: 1114

New credit card now if buying home next year?

Hello, I am considering opening a new credit card that provides cash rewards. I am also planning to take out a mortgage next August or September of 2010. Would the new credit card prevent me from getting the best possible rate on the mortgage? I currently have one credit card in my name and an excel...
by Dallas1521
Thu Apr 30, 2009 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover to Vanguard IRA
Replies: 2
Views: 850

401(k) Rollover to Vanguard IRA

Hello, I am in my mid-20s and recently switched employers. My old traditional 401(k) has more than $5K in it and I would like to roll it over to Vanguard, where I currently have a Roth IRA. Is it best to roll it over into the same Roth IRA account or create a separate account? Also, is it a “no-brai...
by Dallas1521
Thu Feb 05, 2009 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Should I wait to contribute to IRA?
Replies: 3
Views: 1064

Should I wait to contribute to IRA?

Hello,

So far this year I have contributed $4K to my Roth IRA. Even though prices are quite low to begin with, would it have been more prudent to wait until prices get even lower, or did I basically just define "market timing?" Please let me know.

Thanks!
by Dallas1521
Sat Dec 27, 2008 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Too late to sell mutual fund in 2008?
Replies: 3
Views: 1232

Too late to sell mutual fund in 2008?

Greetings,

Happy Holidays everyone! Is it too late to sell a mutual fund that has already issued its 2008 capital gain and dividend distributions in 2008? Or should I wait until early 2009? Please let me know

Thanks!
by Dallas1521
Wed Dec 03, 2008 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 5
Views: 1250

Portfolio Help

Hello All, Here is my information: Emergency Fund: I have one. Debt: None (other than minimal credit card debt that I pay off in full each month). Tax Filing Status: Single. Tax Rate: Federal – 25%, New York State – 6.85% Age: Will turn 24 later this month. Desired Asset allocation: 92% Stocks / 8% ...
by Dallas1521
Sat Nov 01, 2008 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Waiver of Premium
Replies: 5
Views: 1382

Life Insurance Waiver of Premium

Hello, When buying term life insurance policies, do most people also buy the waiver of premium, where the insurance company waives your premiums if you become disabled? Please let me know as I am debating whether to pay the extra amount for this. Thank you in advance for your time and help. Have a g...
by Dallas1521
Wed Jan 16, 2008 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Funds too conservative?
Replies: 18
Views: 3924

Thank You

Thank you everyone for your responses. They were very helpful and much appreciated. Take care.
by Dallas1521
Mon Jan 14, 2008 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Funds too conservative?
Replies: 18
Views: 3924

Vanguard Retirement Funds too conservative?

Hello All, In February's issue of Kiplinger's magazine on p. 57, there is a table with 4 age groups (25, 35, 45, and 55) and how much each group should have in stocks and bonds in their retirement portfolios (age 25 - 100% stocks, 35 - 90% stocks and 10% bonds, 45 - 80% and 20%, and 55 - 70% and 30%...
by Dallas1521
Tue Jan 08, 2008 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to open Vanguard Index Fund?
Replies: 10
Views: 3314

Thank You

Thank you for the advice everyone!
by Dallas1521
Mon Jan 07, 2008 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to open Vanguard Index Fund?
Replies: 10
Views: 3314

Good time to open Vanguard Index Fund?

Hello All, I am 23-years old and have decided (based on my investment time horizon, desired asset allocation, and appetite for risk) that I want to sell a few funds that I own: Janus Balanced (JABAX), Janus Fundamental Equity (JAEIX), Janus Growth and Income (JAGIX), Janus Global Life Sciences (JAGL...