Search found 254 matches

by navyitaly
Sun May 24, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 69
Views: 2424

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

sd323232 wrote:
Sun May 24, 2020 1:20 pm
Why not to show up with 38K in cash to dealership, they will take it. Done deal.
No they won’t they’ll laugh and say have a nice day. You have no idea how business works in 2020.
by navyitaly
Sat Apr 18, 2020 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31062

Re: Car Dealers not really wanting to make a deal

"Invoice price," "MSRP" and "zero financing" are a big scam. Invoice Price is not really what a dealer pays to the manufacturer, because they get rebates off that price depending on volume. Maybe the pay the Invoice Price on Monday and get a rebate on Thursday, but at the end of the day the Invoice...
by navyitaly
Sat Mar 07, 2020 7:42 am
Forum: Personal Investments
Topic: Wash Sale Question: VOO & VTI Substantially Identical?
Replies: 88
Views: 4493

Re: Wash Sale Question: VOO & VTI Substantially Identical?

They aren’t remotely same. VTI is total stock market, VOO is s&P 500. VTI is like 80% VOO and 20% VXF.
by navyitaly
Sat Feb 29, 2020 1:11 pm
Forum: Personal Investments
Topic: Riversource VUL Insurance policy
Replies: 6
Views: 505

Re: Riversource VUL Insurance policy

How much have you put into it?
by navyitaly
Sat Dec 28, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Dealership shenanigans
Replies: 25
Views: 3161

Re: Dealership shenanigans

It’s simple if you don’t sign it you will be told to return the car by this date or you will be arrested for grand theft. Or told to pay cash for the car period.
by navyitaly
Fri Oct 11, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: USAA joins the no commission party - temporarily
Replies: 5
Views: 761

Re: USAA joins the no commission party - temporarily

they are in the midst of the sale...it closes in 2020..april 30 is prob right around when it closes and accounts transfer or whatever happens next. also it's $4.95 and not $0...only the USAA ETF are $0. Note 1 Commissions may change without prior notice. $4.95 reflects promotional commission pricing...
by navyitaly
Tue Aug 27, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: iPad air- purchase from Apple store of Costco?
Replies: 15
Views: 2674

Re: iPad air- purchase from Apple store of Costco?

refurbished items are not eligible for credit card benefits (purchase protection, extended warranty, etc)
by navyitaly
Sun Aug 25, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think about this $4M house idea?
Replies: 103
Views: 8147

Re: What do you think about this $4M house idea?

two comments, one the homeowners exemption is $80 per year so nothing to talk about...but are there Mello Roos/CFD..and ive bought a builder model before, they don't work this way...they sell it when they are done with it...if they really offered a deal like this, you are getting screwed.
by navyitaly
Thu Aug 22, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Dealer asking to re-sign
Replies: 45
Views: 4683

Re: Dealer asking to re-sign

most likely they can't sell the contract to TFS until the VIN is correct....not everyone is out to get you...they'll give you a new contract w the correct VIN, they'll shred the other contract in front of you, you sign it and move on...they won't get funded on the deal until it's correct..why does e...
by navyitaly
Sat Jun 22, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Anyone moved cross country. How did you manage to do it without going nuts??
Replies: 47
Views: 4815

Re: Anyone moved cross country. How did you manage to do it without going nuts??

Military have moved from CA to SC to HI to TN to CA to VA to CA to CA to Italy to CA to CA in 19 years. Granted the government pays for every move and you have a job, but you deal w it and move on. But yes moving sucks. And we’ve done this w multiple children too. And both of us are in the military.
by navyitaly
Sat Jun 15, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3941

Re: Buy Mini-Van Tomorrow or No?

Buy a new 2019 hybrid. W the tax credit and incentives you can get them not that much more than a used 2018. You won’t be disappointed. This assumes your income would support you utilizing the $7500 tax credit.
by navyitaly
Sat Jun 01, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4991

Re: Thinking of leasing bmw 3 series

Don’t put money down on a lease..instead put multiple security deposits down and lower the money factor.
by navyitaly
Sat Mar 23, 2019 7:07 am
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 4028

Re: Lease a car or buy a car

People are out of touch..in 2019 there are no zero down $99 per month leases anywhere and barely any $249..cheapest is like $279-$299 for anything halfway decent. Interest rates are up and residuals are down.
by navyitaly
Mon Feb 04, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are HOA "road fees" deductible? (my home)
Replies: 6
Views: 585

Re: Are HOA "road fees" deductible?

To clarify, for a rental home, it’s not deductible, it can be used as a business expense which offsets income..it’s not deductible like “tax deductible” like first mortgage interest is.
by navyitaly
Sat Jan 26, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Unpleasant surprise 2018 Federal Tax - high level overview?
Replies: 114
Views: 16943

Re: Unpleasant surprise 2018 Federal Tax - high level overview?

All you have to do is go on website and make an ETP for 2018 and there shouldn’t be a penalty.
by navyitaly
Tue Jan 08, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Pacifica Hybrid? Alternative? Now or Later?
Replies: 6
Views: 798

Re: Pacifica Hybrid? Alternative? Now or Later?

You misunderstand the clean vehicle rebate. San Diego County is for preregistering it online first...otherwise you just send the stuff in. It’s $1500 for registering the car in CA. You dont have to be a CA resident, just register it in CA for 36 months.
by navyitaly
Tue Dec 25, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Military: No match on December LES TSP contributions?
Replies: 7
Views: 876

Re: Military: No match on December LES TSP contributions?

Government shutdown has nothing to do w DOD.
by navyitaly
Sun Oct 14, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Credit card price protection: Are Citi and CapitalOne the only providers
Replies: 1
Views: 349

Re: Credit card price protection: Are Citi and CapitalOne the only providers

USAA and Navy Fed AMEX cards have it and Schwab debit does too.
by navyitaly
Sat Sep 01, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How to pay ACA subsidy back
Replies: 7
Views: 866

Re: How to pay ACA subsidy back

Just do an Estimated Tax Payment online.
by navyitaly
Thu Aug 16, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: Recent Trip to Naples, Italy
Replies: 14
Views: 2034

Re: Recent Trip to Naples, Italy

Since I was stationed there for 3.5years, I’m guessing you walked over to the CAPO base and checked out Support Site too..shocked on the secrets the government owns like SS w nobody knowing about it?
by navyitaly
Fri Aug 03, 2018 11:28 am
Forum: Personal Investments
Topic: Assistance with in-laws' retirement accounts
Replies: 14
Views: 1270

Re: Assistance with in-laws' retirement accounts

Maybe not worry about your Inlaws finances and make spouse and his or her siblings do it. That’s my advice.
by navyitaly
Tue Jul 31, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: retiring from military to federal job
Replies: 15
Views: 1883

Re: retiring from military to federal job

In most cases she has to wait 180 days to get hired as a government civilian.
by navyitaly
Tue Jul 24, 2018 11:02 pm
Forum: Personal Investments
Topic: Why VTSAX did not align with S&P 500 today?
Replies: 12
Views: 2287

Re: Why VTSAX did not align with S&P 500 today?

VTSAX is like 80% S&P and 20% extended market...

so weigh 80% VOO and 20% VXF and see what % it changed.
by navyitaly
Tue Jul 24, 2018 11:01 pm
Forum: Personal Investments
Topic: Lawsuit payout
Replies: 19
Views: 3489

Re: Lawsuit payout

is the settlement $100k or your proceeds net of legal expenses, attorney fees, medical liens $100k..big difference...ie the settlement is closer to $300k..
by navyitaly
Tue Jul 24, 2018 5:03 pm
Forum: Personal Investments
Topic: TLH Wash Sale Scenario - help understand
Replies: 3
Views: 369

Re: TLH Wash Sale Scenario - help understand

What did you buy SCHF for? that's kind of important...per share, # of shares, and total proceeds.
by navyitaly
Mon Jul 09, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life - We're doing it. What to look for?
Replies: 134
Views: 12226

Re: Whole Life - We're doing it. What to look for?

I am a NMAA customer with a whole life policy I bought in 2003 and one for my wife in 2004..both are paid in full now... Takeaways, everything you pay in you can get out if you cancel...so if you cancel, they will lose some money...but your values won't go up for awhile if you keep it. They've chang...
by navyitaly
Wed Apr 04, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Military SBP (Survivor Benefit Plan) - Is it worth it?
Replies: 15
Views: 4509

Re: Military SBP (Survivor Benefit Plan) - Is it worth it?

SBP premiums are deducted from your taxable income too...so you are only taxed on your pay - SBP premium = taxable amount like a 401k/TSP.
by navyitaly
Thu Mar 29, 2018 8:03 pm
Forum: Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 11366

Re: Wash sale question- are ITOT and VTI Substantially Identical?

Being real who cares for a normal guy. If you got audited it’s a mistake if you lost pay the difference and move on. You aren’t getting charged w a crime over a mistake. We all make mistakes.
by navyitaly
Fri Mar 23, 2018 9:55 pm
Forum: Personal Investments
Topic: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!
Replies: 43
Views: 4001

Re: USAA- limited options for investments w/ high ER's, but I still feel loyal. Help!

I "back door" USAA legally and their $8.95 rip off ETF fee....and I buy Fidelity funds... All you need to do is have a Vanguard brokerage account since they charge $0 outgoing ACATS fee for securities...buy your Vanguard ETFs through Vanguard and a week later ACATS them to USAA...then USAA holds the...
by navyitaly
Mon Feb 12, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 10429

Re: I’m not renewing my Costco membership.

So cancel your Costco membership then...what’s the point of posting a post about it? I’m lost....
by navyitaly
Sat Feb 10, 2018 11:52 pm
Forum: Personal Investments
Topic: Portfolio Review, Close to retirement, Help me invest $700K
Replies: 9
Views: 2001

Re: Portfolio Review, Close to retirement, Help me invest $700K

Is your federal rate really 33% w $180k income? Even w taxable dividends that still seems really high....since spouse has no income.
by navyitaly
Sat Feb 03, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Understanding new tax table withholding rates
Replies: 18
Views: 1843

Re: Understanding new tax table withholding rates

if you have kids under 18 and you are solid middle class you will get the child tax credit at $2k per child that you didn't get before.
by navyitaly
Thu Feb 01, 2018 1:03 am
Forum: Personal Consumer Issues
Topic: Contracter gives rebate which helps me with tax credit - Fraud??
Replies: 2
Views: 699

Re: Contracter gives rebate which helps me with tax credit - Fraud??

Good rule of thumb for everything in life is..if you have to think about it or ask for advice..it's probably not ethical..maybe illegal or fraudulent...use your common sense.
by navyitaly
Mon Jan 29, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Bank of America vs Chase
Replies: 41
Views: 16595

Re: Bank of America vs Chase

To get out of the ACH fee, just have a Merrill Edge account, transfer the money there in real time and send it from there...same everything, but under the Merrill Edge brand, it’s free.
by navyitaly
Thu Jan 25, 2018 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Rental Properties and Capital Gains
Replies: 10
Views: 1669

Re: Rental Properties and Capital Gains

Depreciation recapture is 25%...all those years have to be paid back wither they took it or not.
by navyitaly
Tue Jan 23, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Mango Money: 1099-INT Incorrect?
Replies: 7
Views: 814

Re: Mango Money: 1099-INT Incorrect?

You could not report it on your taxes in 2017 and do it in 2018 as ultimately your tax return is your declaration of your income..if you get audited explain to auditor your stance...you either win or lose...if you win nothing happens, if you lose you have to amend and pay penalties and tax right?
by navyitaly
Tue Jan 23, 2018 12:05 am
Forum: Personal Consumer Issues
Topic: Tax preparation amount charged
Replies: 16
Views: 1729

Re: Tax preparation amount charged

If yours is simple forget the accountant use a commercial software program for $30 and call it a day.
by navyitaly
Fri Jan 05, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: CapOne Quicksilver vs. USAA card
Replies: 14
Views: 1293

Re: CapOne Quicksilver vs. USAA card

I have one (Limitless), but it’s severely restricted..only LA residents at this point.
by navyitaly
Tue Dec 26, 2017 12:07 am
Forum: Investing - Theory, News & General
Topic: Annual vs quarterly dividends from Schwab fund
Replies: 16
Views: 2026

Re: Annual vs quarterly dividends from Schwab fund

If you don’t like the fund and how it operates buy another fund.

And yes you are missing the converse. In a bear market you are saving on the slight losses you may get w quarterly etc so it all evens out.
by navyitaly
Sun Dec 17, 2017 9:56 pm
Forum: Personal Investments
Topic: Military Deployment Help—TSP Optimization
Replies: 17
Views: 3099

Re: Military Deployment Help—TSP Optimization

1. SDP is a not as easy as one would think. You should try to contribute, but the pay clerks aren't enthusiastic about helping. If memory serves correctly, it is best to write a check out of your personal (savings) account and have the pay clerks deposit the funds into the SDP--rather than divertin...
by navyitaly
Sun Dec 17, 2017 9:52 pm
Forum: Personal Investments
Topic: Military Deployment Help—TSP Optimization
Replies: 17
Views: 3099

Re: Military Deployment Help—TSP Optimization

just so you know (not that its a big deal but it's true) the interest on SDP is taxable interest even though you are in a CZTE when you do it.
by navyitaly
Thu Dec 14, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 13341

Re: Active Duty Military Bereavement Leave?

no there's no bereavement leave in the military. it's just charged as normal leave, not nonchargeable leave.
by navyitaly
Sat Dec 02, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 6712

Re: How do I convince my employees to invest more?

maybe with such low salaries they can't afford to...
by navyitaly
Fri Nov 24, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Target Pre-pay phones on Thanksgiving in store issues
Replies: 13
Views: 1711

Re: Target Pre-pay phones on Thanksgiving in store issues

Target cell phone company is a contractor. They don’t work for Target. They do things their way.
by navyitaly
Fri Nov 17, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: United change fees
Replies: 28
Views: 2585

Re: United change fees

If you would have done the other action they cancel both flights w no compensation or further value.
by navyitaly
Fri Nov 17, 2017 12:50 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 374
Views: 59174

Re: MoviePass-Too good to be true, but it's legit.

Isn't that called stealing?
by navyitaly
Tue Nov 14, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 7563

Re: Keurig died...what now?

was it paid with a credit card that doubles warranty, do you have receipt? was it within this period?