Search found 123 matches

by Loandapper
Sun Oct 11, 2020 5:25 pm
Forum: Personal Consumer Issues
Topic: Has anyone chartered a private jet? Need info. . .
Replies: 45
Views: 4722

Re: Has anyone chartered a private jet? Need info. . .

bighatnohorse wrote: Sat Oct 10, 2020 1:50 pm My significant other is in complete remission right now.
I'd like to do something significant while we have time.
I know what we can "afford".
Then you absolutely should do it if it will make you happy and please don't let anyone on this board let you feel bad about it. :beer
by Loandapper
Sat Oct 10, 2020 7:57 pm
Forum: Personal Investments
Topic: Using 401k Loans to increase contribution
Replies: 22
Views: 2155

Re: Using 401k Loans to increase contribution

Resurrecting a stale thread... I think there is absolutely a case to be made for using a 401k loan to increase your annual contribution. While I'm not an accountant, lawyer, etc... but am fairly up-to-speed on the rules. First, some 401k rules as I understand them: #1. I believe the loan rate is 's...
by Loandapper
Thu Oct 01, 2020 10:01 pm
Forum: Personal Investments
Topic: 401k - old employer risks
Replies: 21
Views: 1479

Re: 401k - old employer risks

Someone else already asked this, but can't you do an in-kind rollover? You won't be out of the market at all.
by Loandapper
Tue Sep 22, 2020 10:48 pm
Forum: Personal Consumer Issues
Topic: Attend COVID Wedding?
Replies: 22
Views: 2101

Re: Attend COVID Wedding?

Take it from a healthy, athletic person who followed ALL the rules - religiously – and still got totally knocked out by COVID. It can be SIGNIFICANTLY more contagious than you think. If the wedding were held to be held today and you decided to go, you should make sure your affairs in order.
by Loandapper
Tue Sep 22, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should we pay our 2.75% interest mortgage sooner?
Replies: 23
Views: 3731

Re: Should we pay our 2.75% interest mortgage sooner?

You've been reading too much Bogleheads if you're considering paying down long-term debt locked at 2.75%. Don't pay an extra penny on that mortgage. Max your retirement accounts. Use any money you were going to use to pay off the mortgage to start a taxable account, and religiously invest there for ...
by Loandapper
Tue Sep 22, 2020 6:51 am
Forum: Personal Investments
Topic: Quick portfolio check up - 31 and chugging along
Replies: 4
Views: 995

Re: Quick portfolio check up - 31 and chugging along

000 wrote: Tue Sep 22, 2020 1:40 am What I want to know is what gambling you are doing to generate such :moneybag :moneybag :moneybag
+1
by Loandapper
Sun Sep 20, 2020 4:03 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 188
Views: 19304

Re: Is anyone waiting until after the election?

whodidntante wrote: Sun Sep 20, 2020 4:02 pm For my own money, I'm staying in. I know how to access cheap leverage, and I'll put that knowledge to work if there is a market panic.
Can you be specific about this? What are your plans?
by Loandapper
Sun Sep 20, 2020 3:51 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 188
Views: 19304

Re: Is anyone waiting until after the election?

I know, I know: Time in the market, not timing the market. BUT: I have some new cash (about 6% of total portfolio) and I'm curious whether anyone else is waiting until after the US election in 45 days? https://advisors.vanguard.com/insights/article/electionsmatterbutnotsomuchtoclientsinvestments?cm...
by Loandapper
Sun Sep 20, 2020 3:29 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 188
Views: 19304

Is anyone waiting until after the election?

I know, I know: Time in the market, not timing the market.

BUT:

I have some new cash (about 6% of total portfolio) and I'm curious whether anyone else is waiting until after the US election in 45 days?
by Loandapper
Mon Sep 14, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Raise offering 20% cash back on Delta gift cards
Replies: 21
Views: 1855

Re: Raise offering 20% cash back on Delta gift cards

How does digital delivery work if you go to a restaurant? What do you give the wait staff when they show up with the bill?
by Loandapper
Fri Sep 11, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Bet that 30-year mortgage rates are below 2.00% by July 2021
Replies: 37
Views: 3886

Re: Bet that 30-year mortgage rates are below 2.00% by July 2021

Supposed to close on a re-fi soon at 3.25% for 30 years (no cost). Should I wait?
by Loandapper
Sat Aug 29, 2020 9:32 pm
Forum: Personal Investments
Topic: What to do with unused emergency fund?
Replies: 39
Views: 3407

Re: What to do with unused emergency fund?

Use it to earn bank bonuses, or do one of those annoying rewards checking accounts that pay 3%. Personally I would just do the bonuses. OR... if your taxable account is large, you can roll like whodidntante. Open an account at Interactive Brokers for a 1k bonus and use your "emergency fund" to buy ...
by Loandapper
Thu Aug 20, 2020 7:50 pm
Forum: Personal Investments
Topic: Using Margin as Emergency Fund?
Replies: 23
Views: 1099

Re: Using Margin as Emergency Fund?

Interactive Brokers has margin rates of about 2.5% for their lite accounts right now, 1.5% for pro. They will issue you a debit card that allows you to make purchases using your margin, no cash withdrawal required. It’s a fantastic setup as long as your collateral securities are all fairly stable a...
by Loandapper
Thu Aug 20, 2020 7:45 pm
Forum: Personal Investments
Topic: Using Margin as Emergency Fund?
Replies: 23
Views: 1099

Re: Using Margin as Emergency Fund?

Take out $500 cash with a margin loan, spend it, and then pay it back. Don't wait for an emergency. I did it with $10 ( :beer) and it seemed to go well. Requested the money at about 10pm from Fidelity and it was in my checking account at Ally the next afternoon. What am I missing? Asking because I ...
by Loandapper
Thu Aug 20, 2020 7:25 pm
Forum: Personal Investments
Topic: Using Margin as Emergency Fund?
Replies: 23
Views: 1099

Re: Using Margin as Emergency Fund?

livesoft wrote: Thu Aug 20, 2020 7:20 pm I would practice this first with a test.
How do you mean?
by Loandapper
Thu Aug 20, 2020 7:18 pm
Forum: Personal Investments
Topic: Using Margin as Emergency Fund?
Replies: 23
Views: 1099

Using Margin as Emergency Fund?

Given today's interest rate environment, I'd love to hear what the Bogleheads think about relying on the potential of withdrawing cash on margin as an emergency fund. Please assume very stable job, plenty of investable assets, no house, no kids, no car, no major overhead etc. Robinhood allows you to...
by Loandapper
Tue Aug 18, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 8111

Re: Ally Bank Horror Story: Is this right?

??? What is shocking and what is wrong about the above? In this case billpay is using money orders (or working like money orders)… if I pay you using a money order, I have paid you the moment I have given it to you - I do not know and do not care if you have deposited it, lost it, left it in your f...
by Loandapper
Mon Aug 17, 2020 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Should I become a Professional Gambler?
Replies: 84
Views: 8370

Re: Should I become a Professional Gambler?

At the moment, i currently record my wins and losses when gambling and pay tax on the net profit. I’ve gotten quite good at what I do and I haven’t had a losing year, though one could argue a few years is a small sample size. It’s more of a part time job as I have a regular 9-5 but it crossed my mi...
by Loandapper
Mon Aug 17, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: buy Metropolitan Transportation Authority muni bonds?
Replies: 10
Views: 914

Re: buy Metropolitan Transportation Authority muni bonds?

manuvns wrote: Mon Aug 17, 2020 3:41 pm the NY MTA muni bonds are trading for 3-4% YTM they look like a good deal ? will govt step in to save the MTA ? what are the risk of default on these bonds?
Sorry to be a dummy. How would one go about buying those?
by Loandapper
Mon Aug 17, 2020 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 8111

Ally Bank Horror Story: Is this right?

The guy who mows my lawn is great at landscaping but terrible at bookkeeping. I have Ally Bank send him a paper check via their online billpay system automatically every month during the summer. The money was religiously removed from my Ally Bank checking account on the day those checks were schedul...
by Loandapper
Mon Aug 17, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: How Much Do I Own?
Replies: 2
Views: 693

How Much Do I Own?

Because of limited options in certain tax-advantaged accounts, I own a variety of shades of "total market" funds. Those are split between a brokerage account, a tIRA, a Roth, a 401k, an old 401k and an HSA. You get the picture. Those funds include: VTSAX - Vanguard Total Stock Market Index VFINX - V...
by Loandapper
Fri Jul 24, 2020 6:19 am
Forum: Personal Investments
Topic: The $1.21 question (Will a small amount left over in a Rollover IRA affect a backdoor Roth?)
Replies: 7
Views: 1024

The $1.21 question (Will a small amount left over in a Rollover IRA affect a backdoor Roth?)

I have $1.21 in a Vanguard Rollover IRA. It has been sitting there for years. It is leftover interest that was credited to the account after I rolled over the balance into my current 401k.

Will this be an issue If I wanted to do a backdoor Roth conversion?

Thank you!
by Loandapper
Sat Feb 29, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Free Blue Apron meals
Replies: 3
Views: 517

Free Blue Apron meals

If you would like to try Blue Apron, I have a code to send you three free meals. No strings, cancel anytime. A $60 value.

Must be a new member.

There is no benefit to me besides the warm, fuzzy feeling of giving back to the wonderful Bogleheads community.

Private message me your email.
by Loandapper
Sat Aug 03, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Derogatory remark on Credit report
Replies: 37
Views: 5285

Re: Derogatory remark on Credit report

Thanks for the info. Just cancelled my BOA card.
by Loandapper
Wed May 08, 2019 10:02 pm
Forum: Personal Investments
Topic: Alimony Finished - Where to Invest?
Replies: 22
Views: 2811

Re: Alimony Finished - Where to Invest?

Just curious: How long were you married to get dinged for $5k/month?
by Loandapper
Mon May 06, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 6718

Re: Anybody try the Blue Apron or the like?

If anyone would like a free sample (3 free meals) for Blue Apron, PM me your email. I have five to give away, which I earned from being a subscriber for years.
by Loandapper
Sat Oct 06, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 4255

Re: Should I take a pretty big pay cut to become a diplomat?

Yes. You only live once. Plus, it is highly likely you'll make more money overall in your lifetime with that experience.
by Loandapper
Thu Oct 04, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Sending checks to Vanguard
Replies: 7
Views: 1086

Re: Sending checks to Vanguard

If it's a recurring monthly thing, you can set it up to have VG pull the money from your checking account and automatically invest it in any VG fund you already own. Thank you. It is not a recurring thing. I'd like to look at my checking account once a month, see how much extra is in there and just...
by Loandapper
Wed Oct 03, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Sending checks to Vanguard
Replies: 7
Views: 1086

Re: Sending checks to Vanguard

I would avoid the confusion, possible accounting errors, and potential delays in investing your money. I would consider logging into Vanguard and setting your your bank account information. Then you can log in to Vanguard each time you want to move funds. Done! Two days tops. Yes, but I'm trying to...
by Loandapper
Wed Oct 03, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Sending checks to Vanguard
Replies: 7
Views: 1086

Sending checks to Vanguard

How do I get Vanguard to automatically invest a check sent through my checking account's online bill payment system? Here's what I'd like to do: - Using my Ally checking account, send a check/"bill payment" to Vanguard. - Have Vanguard automatically use those funds to purchase VTSAX. The first step ...
by Loandapper
Thu Sep 20, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Housing co-op seeking to accept electronic payments
Replies: 8
Views: 677

Re: Housing co-op seeking to accept electronic payments

Try Cozy. It is free and allows automatic bank drafts.

https://cozy.co/
by Loandapper
Sun Dec 24, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Not investing through your 30's
Replies: 60
Views: 7432

Re: Not investing through your 30's

I invested 12K this year, I make 60K. Not a single dime went into "I want to stop renting at some point" fund. All 12K right into Vanguard. I feel like I'm a miser. I do not make a lot but its all relative. You can make 30K a year and still be a miser. I try to hoard it. I stare at Quicken. I stare...
by Loandapper
Sat Dec 23, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Using home warranty to re-key your house
Replies: 12
Views: 3366

Re: Using home warranty to re-key your house

Savesavesave wrote: Sat Dec 23, 2017 12:33 am I believe if you take the locks in to.home depot they will re-key for $5/lock. Check that of course.
True.
by Loandapper
Wed Oct 11, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 4175

Re: Social Security Card - Should I get a Replacement

MikeG62 wrote: Wed Oct 11, 2017 2:13 pm I have been wondering whether I should go down to the SS office and fill out an application for a new card.
You can very easily request a new card online: https://www.ssa.gov/myaccount/

When I did it, it was free.
by Loandapper
Fri Oct 06, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 8496

Re: Anyone go 100% Ally or another online bank for all banking needs?

Couldn't you just use an ATM for a cash deposit, same as with a check? I don't know if that is an option or not. Nope. Most ATMs will not accept deposits. Those that do only allow you to make deposits to accounts at their respective banks. Maybe I make a cash deposit once every year or two, but hav...
by Loandapper
Mon Oct 02, 2017 6:36 am
Forum: Personal Investments
Topic: Portfolio review - rental properties
Replies: 11
Views: 2035

Re: Portfolio review - rental properties

Seems like you are already aware of this issue, but your cash reserves are very low, especially with your high level of risk. Think of all the bad things that can happen: market drop, job loss, new roof, double vacancies, etc. You could theoretically be out of cash very quickly with just one of thos...
by Loandapper
Thu Sep 14, 2017 6:18 am
Forum: Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 6241

Re: How often do you put money in Vanguard

Question for all of you who frequently contribute to taxable - do you have any concern about the number of lots you are creating and the impact that will have on tax loss harvesting? (And do you use specific ID form of accounting?) Every Monday. I invest taxable savings weekly and automatically. 401...
by Loandapper
Tue Jul 25, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 6495

Re: WiFi Thermostat?

retire14 wrote:I am replacing my old thermostat and wondering if it is worth $100 more for a wifi as compared to just a programmable. Thanks.
Definitely. Being able to push a button on your phone to see the temperature inside your home - and make changes - is worth $100.
by Loandapper
Wed Jul 12, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: My first poor Ally Bank experience
Replies: 25
Views: 15886

Re: My first poor Ally Bank experience

Gufomel wrote:...contact me within 2 business days...
OP, it's been two business days. What was the outcome?
by Loandapper
Tue Jun 20, 2017 11:23 am
Forum: Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 104
Views: 29909

Re: Ally Bank No penalty CD for parking cash, is there a catch?

How is interested accrued? If you cash out after, say 2.8 months, would you get the full 2.8 months interest, or would you just get 2 months interest because that's the number of whole months you were in? Interest accrues daily. Sorry, but this is not my experience. Interest compounds daily, but it...
by Loandapper
Thu Jun 15, 2017 10:52 am
Forum: Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 24
Views: 4287

Re: Buy on Ex-Div Date or Just Afterwards?

Besides checking the website every day, is there a way to tell when the reinvest date is happening? An email service or some other kind of alert? Things are announced in advance, so when the amount of the dividend is announced (not paid, not ex-dividend, but simply announced), the other dates are a...
by Loandapper
Thu Jun 15, 2017 10:28 am
Forum: Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 24
Views: 4287

Re: Buy on Ex-Div Date or Just Afterwards?

This price drop will occur just before the market opens on the ex-dividend date, so buying on the ex-dividend date will accomplish what you want to do. At this point I think it is worth the effort. For instance, if you receive the dividend by buying before the ex-div date and then sell all your sha...
by Loandapper
Sun May 14, 2017 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Division of Assets A/B trust: am I entitled to see POD proof?
Replies: 26
Views: 3819

Re: Division of Assets A/B trust: am I entitled to see POD proof?

From the facts you presented, it would appear like something untoward is happening.
by Loandapper
Sat May 06, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 4374

Re: How to get out of a apartment renter lease? They want $3,600

Look at it another way, no need to clean the place since the deposit is being forfeited. Hopefully this is a joke. I'm sure both the lease and state law allow the landlord to seek additional damages over and above the security deposit. If, when you signed the lease, you agreed to forfeit the securi...
by Loandapper
Sat May 06, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 4374

Re: How to get out of a apartment renter lease? They want $3,600

You signed an agreement to pay a set amount of money for a set period of time. Now you want to "get out" of your contractual agreement. It's not that "they want" $3,600 - it's that you most likely signed something saying you could break your agreement in exchange for liquidated damages equal to your...
by Loandapper
Wed Apr 19, 2017 5:13 am
Forum: Personal Consumer Issues
Topic: Tips on Uber
Replies: 78
Views: 10545

Re: Tips on Uber

Nope. In general I hate tipping and will not use Uber if they become another business with their employees with their hands out begging for tips. Uber drivers are not employees. They are independent contractors responsible for their own expenses. Those include fuel, wear-and-tear and shouldering th...
by Loandapper
Wed Mar 29, 2017 7:07 am
Forum: Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 71
Views: 11850

Re: Few questions to those who switched to Ally Checking

Do you ever have a situation where mobile deposit isn't accepted and they ask you to mail it in, if so how long does it take for funds to be available? No. I have never had an issue with a mobile deposit being accepted. When you open your account, they send you a number of pre-paid envelopes in cas...
by Loandapper
Fri Mar 24, 2017 5:42 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 124
Views: 10006

Re: can't logon to vanguard account

Maybe they got overloaded with everyone trying to login this morning to check their quarterly total stock/total international dividends.