Search found 89 matches

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: 2852

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: 5442

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: Investing - Help with Personal Investments
Topic: Portfolio review - rental properties
Replies: 10
Views: 1318

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: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4637

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: 4330

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: 5286

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: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 37
Views: 8505

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: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 17
Views: 1928

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: Investing - Help with Personal Investments
Topic: Buy on Ex-Div Date or Just Afterwards?
Replies: 17
Views: 1928

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: 3051

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: 3728

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: 3728

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: 77
Views: 7375

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: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 7193

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: 92
Views: 4143

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.
by Loandapper
Thu Mar 23, 2017 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Paying off a rental property
Replies: 14
Views: 2088

Re: Paying off a rental property

I also have an awesome realtor that solves all my problems for me and takes no pay for it. Most people don't have that. If she reitres I'm probably going to sell j less I move back to the state they are in vs staying in current location three states away. Yes, that's largely unheard of. How does sh...
by Loandapper
Sun Mar 12, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Replacement
Replies: 65
Views: 6534

Re: Ally Bank Replacement

I have the ability to bank during the week. (Really, it's never more than five minutes.) I didn't notice the Saturday downtime, but I've noticed all the recent upgrades to the site. It looks and functions very well now.
by Loandapper
Sun Mar 12, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a joint (checking vs. savings?) account to save/pay for a wedding...advice?
Replies: 16
Views: 1663

Re: Opening a joint (checking vs. savings?) account to save/pay for a wedding...advice?

We went through this exact situation.

We opened free Ally checking and savings accounts. They worked perfectly. We made 1% in an FDIC savings account. When we needed to pay vendors, we moved the money to our joint checking account and used their free checks or reimbursed CC's from there.
by Loandapper
Wed Mar 08, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Help! Need to refund money in PayPal from Nigeria
Replies: 18
Views: 3185

Re: Help! Need to refund money in PayPal from Nigeria

If you click on the transaction summary, there should be a link to refund the order. Do it. This is a scam.
by Loandapper
Wed Mar 08, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio Help- 31 y/o 1st time poster
Replies: 12
Views: 1036

Re: Investment Portfolio Help- 31 y/o 1st time poster

Considering your access to incredibly low cost funds in your 401k, you should consider putting everything in Vanguard Institutional Target Retirement 2050 (VTRLX) and calling it a day. Conversely, you'd save a few bucks a month switching to a traditional three-fund portfolio, as bloom describes abov...
by Loandapper
Tue Mar 07, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 21553

Re: How Much in Your Emergency Fund And Is It Used?

unclescrooge wrote: Several months ago, I had to come up with $1.3 million in cash after my wife insisted we buy a specific house. I had $160k available on hand (No joke), and the rest I got from friends and a private loan.


Nice friends.
by Loandapper
Mon Mar 06, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: A surprise raise
Replies: 10
Views: 1518

Re: A surprise raise

Police officers in our area (medium cost of living) average between $90-$125k per year after overtime and traffic details. Plus, they receive 1% to 4% cost-of-living increases every year, no deductible ("Cadillac") health insurance and a full pension after 20 years.
by Loandapper
Mon Mar 06, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Explain how health insurance deductible works
Replies: 19
Views: 970

Re: Explain how health insurance deductible works

OP: FWIW, this is actually a decent health insurance plan. Not my plan, but some companies have higher deductibles - like $5,000 for a family - and they only cover 80%. Plus, they don't cover primary care visits. Got poison ivy? You're paying ($189) to see your primary care physician or visit urgent...
by Loandapper
Mon Mar 06, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Interesting interview with the head guy from Betterment
Replies: 19
Views: 2871

Re: Interesting interview with the head guy from Betterment

Great interview.

It's an interview, not a free ad. She pushed back asking for evidence and facts he could not provide.
by Loandapper
Mon Mar 06, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: How Much in Your Emergency Fund And Is It Used?
Replies: 188
Views: 21553

Re: How Much in Your Emergency Fund And Is It Used?

Two years ago I had an emergency and needed $160,000 so keeping a few months living expenses in a savings account wouldn't have helped anyway. Not to hijack the thread, but how much have people actually needed in an emergency? And what was the general story behind needing it? I'd say there are VERY...
by Loandapper
Sun Feb 26, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: March Dividend Dates
Replies: 2
Views: 663

March Dividend Dates

Has anyone seen the specific dates March dividends will be paid? Specifically looking for Vanguard Total Stock Market.

Thanks!
by Loandapper
Sat Feb 11, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: ACH problem with Vanguard
Replies: 15
Views: 2332

Re: ACH problem with Vanguard

Hello and thanks again. Yes, I did actually ask Alliant, and they said it had been an "internal error" and that there was nothing I could have done to prevent it. Again 4 transfers prior and 1 transfer after were all done successfully. I would like to think that if I had known precisely w...
by Loandapper
Wed Jan 25, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Refusing to sign or altering hospital billing admission forms?
Replies: 79
Views: 6747

Re: Refusing to sign or altering hospital billing admission forms?

...They also asked me to sign a little electronic signature box without letting me see what I was signing. I refused until they gave me a printed copy of the form. Of course, I had no way of knowing if the printed copy and the electronic one I signed were actually the same. I just had to trust them...
by Loandapper
Sun Jan 22, 2017 7:31 am
Forum: Investing - Theory, News & General
Topic: Cash flow for financial independence
Replies: 18
Views: 2466

Re: Cash flow for financial independence

I now see local commercial property and homes/apartments for sale as an opportunity to create "cash flow"... ... create monthly cash flow with very little continual time commitment (car wash, laundry mat, storage unit building, etc...) Thoughts? If you think the stock market is volatile, ...
by Loandapper
Thu Jan 19, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Tips for cancelling cable
Replies: 16
Views: 2325

Re: Tips for cancelling cable

Cancelling cable was the best thing I've ever done. I dropped off the equipment at a Comcast storefront - no issues. Plus, now I take the 100 bucks a month I used to spend and automatically transfer it to my brokerage account. Done.
by Loandapper
Mon Jan 16, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 13525

Re: Is driving for uber worth it for side money?

I didn't think Uber drivers were allowed to accept tips. From Uber's website: "As a rider, you are not obligated to offer your driver a gratuity in cash. If you decide you would like to tip, your driver is welcome to accept." (Link: m) Ask your employer for more money if you deserve more....
by Loandapper
Tue Jan 10, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you make contributions to your portfolio?
Replies: 15
Views: 1253

Re: How often do you make contributions to your portfolio?

ponyboy wrote:One the 1st and 15th of each month...every month...regardless of whats happening with the market.


You don't have issues with/care about tons of tax lots?
by Loandapper
Mon Jan 09, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 13525

Re: Is driving for uber worth it for side money?

hookemhorns wrote:Drivers always choose whether they want to accept or reject any given ride. I believe they are shown the final destination at this time.


This is not the case. Drivers do not know where riders are going until the rider is in the car.
by Loandapper
Sat Jan 07, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Ally Website and Mobile Banking Down???
Replies: 14
Views: 1691

Re: Ally Website and Mobile Banking Down???

Crimsontide wrote:Is it just me or have others experienced issues logging into Ally today? I haven't been able to get in all day...


They had warnings up earlier in the week saying it would be down for regularly scheduled maintenance for most of the day/weekend.
by Loandapper
Sat Jan 07, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 13525

Re: Is driving for uber worth it for side money?

BrianMc wrote: So it's possible to be forced to drive into known high crimes areas? Forget that. So much for free enterprise.


Yes.
by Loandapper
Sat Jan 07, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 13525

Re: Is driving for uber worth it for side money?

I don't understand this. When we call for an Uber, it always asks for pick-up location AND destination. If the drivers in the area do not want to accept the ride, they don't respond yes. With every Uber I've taken, the driver knew exactly where I was going when he picked me up and obviously agreed ...
by Loandapper
Fri Jan 06, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 13525

Re: Is driving for uber worth it for side money?

I have a full time job, but would like some extra income to pay off some debts and fully fund IRA. I would be going it on Friday nights from 8pm to 4Am and Saturdays 12PM-4AM. I have a sign up of $200 for 75 rides and $100 extra from the friend who referred me. So that means 75 rides for $300 which...
by Loandapper
Thu Jan 05, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: New York Times: It’s Time to Ignore Advice About Which Stocks to Buy in 2017
Replies: 4
Views: 787

New York Times: It’s Time to Ignore Advice About Which Stocks to Buy in 2017

Not sure if this has already been shared. Interesting read in today's NY Times, page A3: In 2016, the broad S.&P. stock index increased 9.5 percent. But if you invested in Forbes’s 2016 list, your money grew about 7 percent. Kiplinger’s was about half that. A list that appeared on the Money maga...
by Loandapper
Thu Jan 05, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Website Form Builder
Replies: 8
Views: 619

Re: Website Form Builder

Google Forms will do all of this for free and with no HTML.
by Loandapper
Tue Jan 03, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - do I have it right?
Replies: 9
Views: 960

Re: Backdoor Roth - do I have it right?

Thank you all.

This group truly provides a great public service.
by Loandapper
Tue Jan 03, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth - do I have it right?
Replies: 9
Views: 960

Backdoor Roth - do I have it right?

Hello everyone, thanks in advance for the help. My wife and I may or may not be over the income limit this year for a tIRA deduction. So, we'd like to do a backdoor Roth. Do I have all the steps correct? Step 1: We have already transferred all tIRA funds into our respective 401ks. Step 2: Transfer $...
by Loandapper
Tue Jan 03, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you did a Roth conversion the first day of 2017
Replies: 48
Views: 4222

Re: How many of you did a Roth conversion the first day of 2017

I sent $5500 to my Vanguard tIRA on the first day of 2017 they allowed, 3 Jan. Tomorrow it will actually post and I will immediately backdoor it into my Roth IRA. In the mean time, accumulation of my 2018 backdoor Roth funds begins this Friday (payday) when $211.54 will be sent to my taxable accoun...
by Loandapper
Tue Dec 20, 2016 7:34 am
Forum: Personal Consumer Issues
Topic: Grocery cart rolls into side of car, dent, scratched
Replies: 92
Views: 8103

Re: Grccery cart rolls into side of car, dent, scratched

Very similar thing happened to a friend at Target. He alerted the manager. They reviewed the video, confirmed damage was done by a cart and the store paid for the entire cost of the repair. Large chains usually have insurance for this very sort of thing.
by Loandapper
Tue Dec 20, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: Sling TV
Replies: 28
Views: 3384

Re: Sling TV

There's really no reason why anyone should pay for a traditional cable bill anymore - Comcast, Verizon, Time Warner, etc. Between Netflix, Sling and others, you can replace all of your TV needs for a fraction of the cost. That includes sports and programming for children. Just takes a little research.
by Loandapper
Sat Dec 17, 2016 1:11 am
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 43
Views: 6561

Re: Simplisafe Home Security System

tim1999 wrote:Does anyone know of a security system that won't keep getting set off by a household cat that especially likes to hang out on my home's large window sills?


Try turning the motion detectors upside down.
by Loandapper
Thu Dec 01, 2016 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 9243

Re: Pay off mortgage?

Yes, instead you'll be a slave to the taxes, you fail to pay them and you'll be slapped with a lien first, next step after that is lien sale, followed by potential foreclosure. I'm confused. What taxes are you talking about? Property taxes? I get quarterly bills myself.....have never had escrow thr...
by Loandapper
Wed Nov 23, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: What to do on Jan 1?
Replies: 6
Views: 1945

Re: What to do on Jan 1?

Thank you, all.
by Loandapper
Tue Nov 22, 2016 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: What to do on Jan 1?
Replies: 6
Views: 1945

Re: What to do on Jan 1?

If you're saying you "might" not be eligible for a Roth due to an increase in your AGI, have you considered (or heard of) a backdoor Roth? Read more here: m https://www.bogleheads.org/forum/viewtopic.php?t=147307 I'm assuming you're already maxing out your 401(k) and therefore wouldn't us...
by Loandapper
Tue Nov 22, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: What to do on Jan 1?
Replies: 6
Views: 1945

What to do on Jan 1?

Every year, I contribute $5,500 to a Roth IRA on January 1 for the current tax year, maximizing my time in the market. This upcoming year (2017) there’s a chance I’ll have a significant one-time increase in my AGI, which would put me over the limit. I don’t know when that cash will come in and there...