Search found 666 matches

by walletless
Mon May 22, 2017 11:29 am
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 12
Views: 1011

Re: NY vs Utah 529?? Can't decide!

You'd be fine either way - both are great 529 plans with very good age-based options out of the box. Do you have relatives in either states who may contribute to the plan? That may be one thing to consider in deciding since both states give some tax-free contribution limits to state residents. Other...
by walletless
Thu Apr 13, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 1076

Re: Dollar Savings Direct - 1.25% Savings

So its a teaser rate? Interesting I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates. Agreed....
by walletless
Thu Apr 13, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Dollar Savings Direct - 1.25% Savings
Replies: 11
Views: 1076

Re: Dollar Savings Direct - 1.25% Savings

luderiffic wrote:So its a teaser rate? Interesting

I'd say so... they keep creating new banks like these with top-of-market rates, then after some time the rates are lower than average and a new entity shows up. I am resisting, especially since I just opened Purepoint to take advantage of their 1.25% rates.
by walletless
Wed Apr 12, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront: Why we avoid Blackrock ETFs
Replies: 24
Views: 3802

Re: Wealthfront: Why we avoid Blackrock ETFs

Use iShares to TLH for few categories like SCV and EM. Mostly use Vanguard otherwise. Its great that there are low cost competitors cropping up to challenge Vanguard. More options = win for us consumers.
by walletless
Fri Apr 07, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)
Replies: 15
Views: 836

Re: Should I drop Chase Sapphire Preferred (have Reserve and Freedom)

If you have a reserve you do not need CSP. The benefits are same or better, generallly speaking. Decide whether the CSP at $95 is sufficient for you, or you need the added benefits CSR gives for $450. Keep one of the two and downgrade the other to a free category card. Freedom is a great card IMO. N...
by walletless
Sat Apr 01, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Raise Your Rate CDs
Replies: 9
Views: 2996

Re: Ally Bank Raise Your Rate CDs

I agree, but at this point I'd go with the 1.45 Purepoint cd ladder over Ally. The diff is 15bps which is not insignificant, and I doubt ally will go higher by that many points in 1 year.

edit - Purepoint lowered interest rate on 1-yr cd to 1.40% as of yesterday 3/31.
by walletless
Thu Mar 30, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 8466

Re: PurePoint 1.25% online savings $10K min

inbox788 wrote:joint account?

Yes, joint.
by walletless
Wed Mar 29, 2017 11:27 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 936

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

I have seen some posts where the After-tax contributions have gone to Roth IRA and earnings have gone to Traditional IRA - in which case there is no tax to be paid. Since I do a backdoor Roth conversion every year, keeping a balance in traditional IRA would trigger pro-rated taxes. Hence in my case...
by walletless
Wed Mar 29, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 8466

Re: PurePoint 1.25% online savings $10K min

FYI, my joint account got kicked out. When I called to ask why, the said that they wanted to talk to both applicants on the same call. I still have to schedule a meeting to do that. They have limited hours (not 24/7). What could cause the account to be kicked out? We are talking about CO 360, right...
by walletless
Wed Mar 29, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 936

Re: Mega Backdoor: In-Plan vs Out-of-plan conversion

Perfect, thanks Earl. My plan has generally good "core" funds, but lacks REIT and SCV as well. I will do an in-plan conversion for now. My company also was acquired by a much larger company, so we expect the 401K plans to merge with them in future. Their plan has even better and lower-cost...
by walletless
Wed Mar 29, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: After market car backup camera and stereo system
Replies: 8
Views: 836

Re: After market car backup camera and stereo system

Thanks all. I will take a look at the Crutchfield installpass. It seems that you cannot find the installers near you until you make the purchase.. so only after I purchase a car will I be able to ask the installer the additional charges and recommendations for which unit to purchase. But this seems ...
by walletless
Wed Mar 29, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Mega Backdoor: In-Plan vs Out-of-plan conversion
Replies: 20
Views: 936

Mega Backdoor: In-Plan vs Out-of-plan conversion

My employer allows us to make a quarterly non-hardship conversion of our after-tax contributions in 401K to a Roth IRA. The 401K custodian is Fidelity. I called Fidelity today to make a conversion, and the representative asked me whether I want to do a "in-plan" or "out-of-plan" ...
by walletless
Tue Mar 28, 2017 1:29 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 8466

Re: PurePoint 1.25% online savings $10K min

Gamma Ray wrote:How about Memory Bank with 1.5% up to $250k?

http://www.mymemorybank.com/home/earnmore-account
Forget it, it says 1st year..

Looks like interest checking account with requirement for debit card transaction.. Purepoint savings account does not have such requirements.
by walletless
Tue Mar 28, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: After market car backup camera and stereo system
Replies: 8
Views: 836

After market car backup camera and stereo system

A few years ago, I had changed the factory radio on my car to a Pioneer 2-din system. At the time, I did not feel the need for a touchscreen system with backup camera input. Now, my wife drives this car more often, and wants a backup camera installed on the car. I do not have any expertise at all in...
by walletless
Mon Mar 27, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3511
Views: 906586

Re: U.S. stocks in freefall

Hardly what if call a "free fall"!
by walletless
Fri Mar 24, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 615

Re: 2016 Tax Return - Paper Mail Form 8453?

Just in case this helps anyone (e.g. the OP next year) TaxAct allowed me to upload the pdf of the brokerage statement as a substitute 8949 and submitted it to the IRS with the e-file. Or at least that's what the program told me it was going to do. :D Perhaps next year TT will add this functionality...
by walletless
Fri Mar 24, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 615

Re: 2016 Tax Return - Paper Mail Form 8453?

Perhaps TT is just being cautious I think so to0.. perhaps it is a bug in the software unless it is a new IRS requirement. I have been aggregating my RSU and ESPP the same way since few years now and have never had to do this. Now that the software has printed and asked me to paper mail that form a...
by walletless
Fri Mar 24, 2017 1:16 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 615

Re: 2016 Tax Return - Paper Mail Form 8453?

Thanks kaneohe! Turbotax online support pointed me to the following page: https://ttlc.intuit.com/questions/3564967 E-filed returns – Within three days after the IRS has accepted your return, mail the Form 8949 generated by TurboTax, a copy of the summary statements provided by your broker , and the...
by walletless
Fri Mar 24, 2017 12:44 am
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 615

Re: 2016 Tax Return - Paper Mail Form 8453?

Are all of your transactions shown in detail on the 8949s or did you aggregate a bunch of them together? I did aggregate my employer RSU and ESPP sales, since there were about 50-60 line items for it. These were "Box A" and "Box E" items. The employer plan is through E*Trade, an...
by walletless
Thu Mar 23, 2017 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: 2016 Tax Return - Paper Mail Form 8453?
Replies: 9
Views: 615

2016 Tax Return - Paper Mail Form 8453?

I just completed filing my taxes through Turbotaxes, and used e-file for my federal returns. After successfully e-filing, turbotax asked me to mail the following document to IRS via regular mail: Form 8453 | This is the form you will use to send any required forms or | supporting documentation to th...
by walletless
Wed Mar 22, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3714

Re: Where do you order checks from?

update: I ordered from 4checks , which sent the order via IdentityChecks . The boxes came nicely packaged, the checks were decent quality, and the print was good. I tested one of the checks by depositing into another of my accounts & that worked well. I did not opt for their security service, i...
by walletless
Tue Mar 21, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 53
Views: 8466

Re: PurePoint 1.25% online savings $10K min

Opened an account, thanks op for discussing it here. The account and online interface is very functional - easy to add linked accounts (they seem to support adding unlimited), you can convert it to trust ownership after opening too. PersonalCapital and Mint do not seem to support it though, yet. Hav...
by walletless
Tue Mar 21, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4887

Re: Moving from Vanguard to Fidelity (probably)

If you're moving to Fidelity, take advantage of one of the offers:
http://www.mymoneyblog.com/fidelity-bro ... nuses.html
by walletless
Tue Mar 21, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication and Mint or Personal Capital
Replies: 12
Views: 1641

Re: Vanguard 2 factor authentication and Mint or Personal Capital

dollar_elbow wrote:In my experience, Personal Capital seems to work fine if you enable Vanguard's 2FA. Mint does not work with 2FA, and will keep prompting you for the one time code each time it tries to check your Vanguard accounts.

This is my experience as well.
by walletless
Fri Mar 17, 2017 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Collection Agency - Are you kidding?
Replies: 33
Views: 4547

Re: Collection Agency - Are you kidding?

creditboards.com is an excellent forum to discuss this kind of query - they are the bogleheads equivalent of credit repair & collections. I encourage you to also post there. My advice- 1) Dispute in writing over certified mail return receipt only. If they call you, ask them to send in writing an...
by walletless
Wed Mar 15, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 2555

Re: Costco tire - Michelin vs Bridgestone

Thanks all, I decided to keep the Michelin tire. Once you get your quotes from Costco, give Discount Tire/America's Tire a call. I did this when I bought my winter tires (set of 4) and Discount Tire beat Costco's price. Costco's price after $70 off was $440. Discount quoted me $400 plus $100 cash ca...
by walletless
Wed Mar 15, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 2555

Re: Costco tire - Michelin vs Bridgestone

lazydavid wrote:Are you sure you can get $130 off Bridgestone? The $60 portion of that was a separate discount for Executive members that expired on Friday, unless they renewed it or put in a new promo.

Yes, 130 with code BRIDGE17MAR
by walletless
Wed Mar 15, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 20
Views: 2555

Costco tire - Michelin vs Bridgestone

I am super confused on which route to take, if someone with tire knowledge can help, it will be much appreciated! I live in Norcal (very little rain, mostly warm weather). I own a 2012 Nissan Altima, and drive about 7,000 miles per year. I purchased Michelin® DEFENDER 215/60R16 (Item #645921) couple...
by walletless
Sun Mar 05, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3714

Re: Where do you order checks from?

My bank already has my acct #, I prefer to buy the checks from them. When I order the checks would last for many years, since I rarely use them, so saving $15-20 is not worth any extra work at all. You bank outsources the printing to one of the same national printers. IMO, it's no less safe to buy ...
by walletless
Sun Mar 05, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3714

Re: Where do you order checks from?

1. I do not think checks should be "free" I agree. My Credit Union gives free cashiers check and money order, doesnt require minimum balances or direct deposits. I prefer these services over the free checks. Until last year they would give out 9 temporary checks whenever we asked, but the...
by walletless
Sat Mar 04, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3714

Re: Where do you order checks from?

I found on Slickdeals:
4checks.com has 2 boxes for $5.05 + $4 shipping = ~$9 with coupon code DE1366
by walletless
Sat Mar 04, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3714

Re: Where do you order checks from?

Goal33 wrote:Ally Bank gives me free checks. Maybe you should move over to someplace that gives free checks?

Its an option... I am generally happy with my CU, and would prefer to avoid the hassle of moving, updating my auto-pay options, etc to save few dollars per year.
by walletless
Sat Mar 04, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3714

Where do you order checks from?

My Credit Union has instituted a new policy to stop giving out temporary checks. So far, I just used to take a stack of 9 temporary checks which would last me several years. The only places we use Checks are in government-related areas, such as Passport renewals, Drivers License renewal, etc. I neve...
by walletless
Sat Feb 25, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: Cloudbleed Bug
Replies: 14
Views: 1533

Re: Cloudbleed Bug

mpsz wrote:Thanks for sharing.

According to http://www.doesitusecloudflare.com (linked in that article) Alliant CU is also using Cloudflare.

Wow, looks like personalcapital.com also uses cloudfare!
by walletless
Thu Feb 23, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Market Run Ups - Now vs. Then
Replies: 88
Views: 6480

Re: Market Run Ups - Now vs. Then

Back in 2000, there were all the insane dot-com IPOs and valuations. In 2007, everyone was leveraging real estate and just assuming ridiculous returns. The current run-up doesn't feel the same to me, because there's an absence of anything that feels crazy. Doesn't mean it won't come crashing down, ...
by walletless
Thu Feb 23, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard versus Dimensional
Replies: 22
Views: 2469

Re: Vanguard versus Dimensional

I don't want an advisor. I don't need an advisor. Therefore DFA doesn't want my money. That's fine. That's their business. I'm not their target customer. (Though I should be.) When DFA makes their funds available without an advisor (or they show up in my 401(k)), then I'll consider them. Until that...
by walletless
Wed Feb 22, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 43
Views: 2788

Re: Dishwasher suggestions. LG Quad Wash vs???

Ended up with a Bosch and love it. ... no heated drying element. ... Apparently their upcoming models this year will have heated dying element too. Their low end models will also have the top 3rd rack (but no water softener), where as the higher end models will come built in with softener & 3rd...
by walletless
Wed Feb 22, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Help Please, My Identity is at Risk
Replies: 26
Views: 3233

Re: Help Please, My Identity is at Risk

Perhaps it might be worthwhile to contact the credit reporting agencies and have them freeze your credit reports. Similarly, perhaps contact your credit card company (or companies) and have them cancel the existing card number(s) and issue you new ones? This ^^ I hope the files on your laptop were ...
by walletless
Wed Feb 22, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: Dishwasher suggestions. LG Quad Wash vs???
Replies: 43
Views: 2788

Re: Dishwasher suggestions. LG Quad Wash vs???

Bosch 800 and 500 series with top 3rd shelf is very popular. I have an older generation Bosch in my house (without the top shelf) and very happy with it. I'd not hesitate to buy another Bosch DW should this one go bad and need a replacement. Edit- thesweethome agrees: http://thesweethome.com/reviews...
by walletless
Tue Jan 24, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Bank is behind online, new bank?
Replies: 21
Views: 2577

Re: Bank is behind online, new bank?

OP update: After several months of procrastination, I did some research online and selected a new bank. Online reviews of banks are uniformly awful. Apparently the only people who review banks are those who have had a problem with them. Almost every bank review starts, "Don't do business with ...
by walletless
Mon Jan 23, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 3041

Re: Do you check your credit reports annually?

I have never checked my credit report. So.....I just logged onto creditkarma and they want full SS #. Do you guys actually provide that information on the web? That scares the begevies outta me...... or am I being too security conscience? Is there a better way to do this other than by snail mail? A...
by walletless
Mon Jan 23, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 3041

Re: Do you check your credit reports annually?

....Also, from the target and Home Depot hacks in last few years, I have free monitoring from ProtectMyId.com. They send me a monthly report when everything is fine, and call me whenever there is activity such as credit pull or new account on file. I also got a free membership with them (CareFirst ...
by walletless
Sun Jan 22, 2017 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 Portfolio review - Advice welcome
Replies: 22
Views: 1544

Re: 2017 Portfolio review - Advice welcome

At under 2.5% withdrawal rate, you are most definitely in good shape - congrats on maintaining a good rigor! I would substitute the BND in my taxable with something that is more tax efficient, perhaps a federal muni fund or something. Otherwise your portfolio allocation and placement of funds look f...
by walletless
Sun Jan 22, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 3041

Re: Do you check your credit reports annually?

Between CreditKarma and Credit.com I check almost monthly all 3 beareaus. AnnualCreditReport once a year, all 3 together. Also, from the target and Home Depot hacks in last few years, I have free monitoring from ProtectMyId.com. They send me a monthly report when everything is fine, and call me when...
by walletless
Sat Jan 21, 2017 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 13104

Re: Turbo Tax 2016 purchase source

For folks who bought the CD but need a download version, you can call TT support and request a download file for free. They will require proof of purchase and some code listed inside the box cover, and will place the downloadable file in your turbotax.com account's download section.
by walletless
Thu Jan 19, 2017 12:53 am
Forum: Investing - Help with Personal Investments
Topic: Downgrade to an old-style Vanguard mutual fund account?
Replies: 25
Views: 2849

Re: Downgrade to an old-style Vanguard mutual fund account?

I opened a trust account and transferred from my MF account at Vanguard all assets in-kind to the trust account. I was surprised when the rep who called me asked if I want a MF account or a upgraded brokerage account. I gleefully accepted opening the MF account, and have not been "Upgraded"...
by walletless
Mon Jan 16, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Factor-Diversified Portfolio
Replies: 175
Views: 15299

Re: Factor-Diversified Portfolio

larryswedroe wrote:Walletless
Once you move away from TSM you are diversifying the portfolio in the sense of diversification across factors--here you have TERM exposure, plus REIT exposure, plus size and value exposure. And it's certainly diversified from geographic perspective
Larry

Thanks Larry!
by walletless
Mon Jan 16, 2017 1:46 pm
Forum: Investing - Theory, News & General
Topic: Factor-Diversified Portfolio
Replies: 175
Views: 15299

Re: Factor-Diversified Portfolio

Hi Larry, would a portfolio like this be considered factor diversified? This has been my portfolio for several years now. Bonds allocation (age minus 20 percent): - 100% in Total Bonds (VBTIX/BND or similar) Equities (Remaining allocation): 7% US REIT (VGSLX/VNQ or similar) From remaining, 40/60 spl...
by walletless
Sun Jan 15, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Interest rate hedged bond etf — too good to be true?
Replies: 3
Views: 366

Re: Interest rate hedged bond etf — too good to be true?

It seems to comprise of long term bonds and US bills mainly.. so I am surprised it is rate hedged. Shouldn't it be more sensitive to rate hikes?
http://www.morningstar.com/etfs/bats/ighg/quote.html

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