Search found 485 matches

by motorcyclesarecool
Mon Aug 13, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: If USPS runs at a loss, how can Junk mail subsidize First Class?
Replies: 6
Views: 1017

If USPS runs at a loss, how can Junk mail subsidize First Class?

In another thread about dealing with junk mail, a very common statement keeps being repeated: ( bold italics mine ) Keep in mind - a good marketer doesn't want to waste money sending mail to those that don't want it. But, the more you cut mail, the higher rates go, because bulk postage pays for all ...
by motorcyclesarecool
Thu Aug 09, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1123
Views: 194381

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

pre wrote:
Thu Aug 09, 2018 9:11 pm
Much appreciated. May I ask if any other TDA bonuses earned this year, aside from the Roth?
No. this is our only one.
by motorcyclesarecool
Thu Aug 09, 2018 8:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1123
Views: 194381

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yes. Got $500 in Roth IRA for transferring 100k. Not a TD Bank customer.
by motorcyclesarecool
Mon Aug 06, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42031

Re: TSP vs Fidelity Zeroes

jsprag wrote:
Mon Aug 06, 2018 3:15 pm
....they'd be the catalyst that could make it grow even faster.
I certainly hope so. The federal government isn’t exactly known for common-sense bidding processes or standards. I’d like to figure out how best to keep their eye on the expense ball.
by motorcyclesarecool
Mon Aug 06, 2018 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4822

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

3) Students and parents are not allowed to direct the expenditure of any funds. (Johnny's parents can not donate to the 501 and then "ask" us to purchase a new trumpet for Johnny to use.) And students and parents would not get their business logo on Johnny's trumpet case, correct? That is the bigge...
by motorcyclesarecool
Mon Aug 06, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42031

Re: TSP vs Fidelity Zeroes

I’m pretty sure it’s not a loss leader for Fidelity; they are being more aggressive with securities lending, which FRTIB could do easily. I was able to get into the zeros on day zero. I’ve rolled all available funds in both our Fido Roth IRAs to the zeros as of Close of Business Friday, in accordan...
by motorcyclesarecool
Sun Aug 05, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42031

Re: TSP vs Fidelity Zeroes

I’m pretty sure it’s not a loss leader for Fidelity; they are being more aggressive with securities lending, which FRTIB could do easily. I was able to get into the zeros on day zero. I’ve rolled all available funds in both our Fido Roth IRAs to the zeros as of Close of Business Friday, in accordanc...
by motorcyclesarecool
Sun Aug 05, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42031

TSP vs Fidelity Zeroes

[Thread merged into here, see below (next page). --admin LadyGeek] As noted in a monstrous thread, Fidelity has just started offering a Total US Stock Market fund and a Total International Stock Market find, both with an expense ratio of 0%, and both with a minimum investment of $0. Fidelity makes ...
by motorcyclesarecool
Sun Aug 05, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a five figure "inherited" cash sum?
Replies: 32
Views: 3246

Re: What to do with a five figure "inherited" cash sum?

He really can’t cut and mail you a check or two? It seems that might be far simpler and safer. If the cash came from legitimate sources, why hasn’t he deposited it to earn interest in a federally insured bank or CU account? WHATEVER YOU DO, DO NOT BREAK UP THE DEPOSITS INTO SMALLER CHUNKS TO AVOID A...
by motorcyclesarecool
Sun Aug 05, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4822

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I think most people in this thread are hung up on the word “sponsor” which does often imply a quid-pro-quo relationship.
by motorcyclesarecool
Sun Aug 05, 2018 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4822

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

A DAF cannot be used to fulfill a legal obligation or in a quid pro quo transaction like tickets to a charitable fundraiser, however, if the obligation has already been met, (as confirmed in the OP) and the grant won’t change anything about your kid’s involvement on the team, or result in a specific...
by motorcyclesarecool
Sat Aug 04, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO with Family Planning
Replies: 16
Views: 939

Re: HDHP vs PPO with Family Planning

Does your employer kick any money into your HSA? That could make a big difference.
by motorcyclesarecool
Fri Aug 03, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 43
Views: 2733

Re: Nespresso?

Get an originaline machine with separate but integrated milk frother. Got ours at Bed, Bath, & Beyond with a coupon. Ours was made by De Longhi. Pro tip #1: order the Nespresso pods online. Every once in a while they offer a free sleeve or two with the purchase of a set amount. This way I’m consiste...
by motorcyclesarecool
Thu Aug 02, 2018 5:53 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 52410

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

A few questions for the experts on how mutual funds work. Let's assume that a meaningful percentage of current investors in FSTVX (Fidelity total market index) put in orders this Friday (first day available) to sell FSTVX and buy FZROX (new Fidelity Zero ER total market index). Would this force the...
by motorcyclesarecool
Wed Aug 01, 2018 6:35 am
Forum: Investing - Theory, News & General
Topic: What is the market structure rationale for prevalence of minimum size orders in bond markets but not in equities?
Replies: 6
Views: 463

Re: What is the market structure rationale for prevalence of minimum size orders in bond markets but not in equities?

Until this thread I hadn’t realized there was no open bond exchange. How do they determine the benchmark treasury yields?

This would seem to be ripe for disruption...
by motorcyclesarecool
Tue Jul 31, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade automatic investment
Replies: 6
Views: 795

Re: TD Ameritrade automatic investment

airelleofmusic wrote:
Mon Jul 30, 2018 1:50 pm
Ok thanks, I will ask TDA directly !
Any answer?
by motorcyclesarecool
Tue Jul 31, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5782

Re: Financial upside / downside of marriage vs cohabiting

I’d argue that an engagement is itself a contract..... “Will you marry me?” “Yes, longterm100, I will” (puts on ring) Would the relationship survive the alteration of that contract to mean something other than an agreement to get married? I’d argue that by choosing not to get married after getting e...
by motorcyclesarecool
Sat Jul 28, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Why dont people sit outside more? And how to deal with bugs?
Replies: 50
Views: 5240

Re: Why dont people sit outside more? And how to deal with bugs?

I thought we would have the star-wars for mosquitoes laser shield by now after that TED talk, but nobody’s been able to make it work I guess.
by motorcyclesarecool
Sat Jul 28, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Old Employer Bought Out, New Employer Not Honoring Existing Contract
Replies: 20
Views: 2550

Re: Old Employer Bought Out, New Employer Not Honoring Existing Contract

Makes me think of Darth Vader and Lando’s agreement. They have amended the agreement. You can:
a) pray they do not amend it further, or
b) find a better deal elsewhere.

If you can’t find a better deal elsewhere, try not to be a thorn in the new management’s side.
by motorcyclesarecool
Wed Jul 25, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6750
Views: 1466647

Re: U.S. stocks in freefall

I don’t know how much we should rely on after hours activity of a single stock.
by motorcyclesarecool
Wed Jul 25, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Daughter wants to travel on her own to Montreal
Replies: 105
Views: 6754

Re: Daughter wants to travel on her own to Montreal

The driving is aggressive and a bit... French. Maybe I would make analogies to Boston v any other big American city. Be careful crossing the road - really careful. The driving is very aggressive on the Autoroutes. Plus much infrastructure was built in an extreme hurry for the ‘67 World Fair and the...
by motorcyclesarecool
Wed Jul 25, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best vehicle to administer budget for sil [sister-in-law]
Replies: 42
Views: 2464

Re: Best vehicle to administer budget for sil

I want to be helpful here, which is why I am saying the following: This isn’t a money question, not at its root. You and your wife should consider family counseling on the topics of assertiveness and setting boundaries. Unless your SIL has legit special needs and can’t take care of herself, I don’t ...
by motorcyclesarecool
Mon Jul 23, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: I want play money in my IPS for TSLA puts...
Replies: 7
Views: 1138

Re: I want play money in my IPS for TSLA puts...

Well, my adventure in extreme speculation is over. I was able to realize a tidy 10% profit by selling my still-out-of-the-money TSLA puts after they spiked this morning. Even though I am confident that TSLA’s descent hasn’t ended, that was far too nerve-wracking. Back to indexing. Hopefully wiser now.
by motorcyclesarecool
Mon Jul 23, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: need strategy to sell stocks without increasing AGI
Replies: 13
Views: 1290

Re: need strategy to sell stocks without increasing AGI

Might you donate appreciated stock to a favorite charity, place of worship, etc.? Perhaps park in a DAF? +1 If you already give (or intend to give) to charity, you can donate shares held for a year or more to a charity or a Donor-Advised Fund. Then funnel the cash value that you would have given to...
by motorcyclesarecool
Mon Jul 23, 2018 6:49 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 327
Views: 20545

Re: Invest in Tesla?

https://www.wsj.com/articles/tesla-asks-suppliers-for-cash-back-to-help-turn-a-profit-1532301091 Things are about to get interesting. Even if there is a ch 11 or 7 filing in its future, Tesla has come too far to simply wither away. At a reasonable valuation, Ford would be a solid merger candidate, a...
by motorcyclesarecool
Fri Jul 20, 2018 5:19 am
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 327
Views: 20545

Re: Invest in Tesla?

Tesla seems like the kind of company that is growing new market, new product, with increasing sales. 2018 stands a chance to have 100% sales growth. Isn't that the kind of company to invest in? Growth that exceeds the market averages? The share price ALREADY reflects that. Tesla is ALREADY priced l...
by motorcyclesarecool
Thu Jul 19, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: Flatting Yield Curve - buckle up for the storm?
Replies: 27
Views: 2534

Re: Flatting Yield Curve - buckle up for the storm?

At the Dow component Megacorp where I worked, some people would hoard knowledge in an attempt to make themselves indispensable. They tended to be the first to go in a layoff. Be a good team player. The ones with better soft skills tended to be the ones who stayed. Edited to add: Assuming at least a ...
by motorcyclesarecool
Wed Jul 18, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 327
Views: 20545

Re: Invest in Tesla?

The safest way to take a short position is to buy out-of-the-money put options that expire a longish time from now. You need to educate yourself thoroughly in options trading and in your platform’s interface, so you don’t accidentally do something you didn’t intend. Taking any flavor of short positi...
by motorcyclesarecool
Wed Jul 18, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 5586

Re: Which minivan?

I’ve done very well renting a minivan when I’ve needed one. Our local Toyota dealer rents them by the business day. Meaning I can pick up the van Friday at close of business and return it on a (holiday) Monday night and only be charged for one day. Perfect for hauling in-laws up to visit.
by motorcyclesarecool
Sun Jul 15, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5219

Re: Bears!!!

It’s probably the same bear. For now. Are you certain it is illegal to shoot a nuisance animal? Not even with a crossbow or bow & arrow? Bear / human interactions are terrible for the bear, who could teach her offspring to emulate. Having zero legal lethal recourse would be terrible wildlife managem...
by motorcyclesarecool
Sat Jul 14, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 36
Views: 3089

Re: Swing Shift vs 8-5

I worked 12 hour nights only shifts, 3 on 4 off; 4 on 3 off. Not the DuPont schedule but I loved having so many consecutive days off. I was single at the time. I found that as a rule, the married people working that shift remained married when they both worked the same shift. People whose lives are ...
by motorcyclesarecool
Thu Jul 05, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Boat Towing
Replies: 14
Views: 1273

Re: Boat Towing

Be sure your towing insurance will also cover a “salvage” situation. Some unscrupulous tow companies will sometimes over-represent the degree of peril to which they were subjected and invoke salvage law. If your tow insurance covers both, you won’t have that headache.
by motorcyclesarecool
Tue Jul 03, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1832

Re: Transporting bikes with an SUV?

Get a universal trunk mount bike rack. Quick. Easy. Cheap. Effective. And if you place the straps well, you’ll still have trunk access. Go for Thule or Yakima. I'm going to say NO to this. We have one of these and rarely use it because I've got an old hitch rack. This past weekend, I installed the ...
by motorcyclesarecool
Tue Jul 03, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1832

Re: Transporting bikes with an SUV?

Get a universal trunk mount bike rack. Quick. Easy. Cheap. Effective. And if you place the straps well, you’ll still have trunk access. Go for Thule or Yakima. On a SUV, wouldn't a trunk mount type rack prevent you from opening the rear hatch? I borrowed one of that style from a friend one time and...
by motorcyclesarecool
Tue Jul 03, 2018 5:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 199
Views: 17786

Re: Vanguard to offer non-Vanguard ETFs commission-free

I feel like on the board that the announcement we've really wanted is for Vanguard to say that they've deployed a new IT system that will fix all of the various gremlins they currently have, particularly when it comes to cost basis. Are they trolling us? :confused My thought: is their creaking, pat...
by motorcyclesarecool
Tue Jul 03, 2018 4:43 am
Forum: Personal Consumer Issues
Topic: Transporting bikes with an SUV?
Replies: 38
Views: 1832

Re: Transporting bikes with an SUV?

Get a universal trunk mount bike rack. Quick. Easy. Cheap. Effective. And if you place the straps well, you’ll still have trunk access. Go for Thule or Yakima.
by motorcyclesarecool
Mon Jul 02, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park funds for 2019 rIRA?
Replies: 6
Views: 543

Re: Where to park funds for 2019 rIRA?

I’d find a bank in your region paying cash bonuses for new deposits.
by motorcyclesarecool
Sun Jul 01, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 1912

Re: Should I cancel my Colorado trip due to wildfires??

I spent a summer working at a resort in the Colorado Rockies. I concur with the cautiousness of the authorities. We had a detailed, workable plan to evacuate every guest and staff in a single wave. We were taking measures the guests were blissfully unaware of. We were on high alert from one particul...
by motorcyclesarecool
Sat Jun 30, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: I want play money in my IPS for TSLA puts...
Replies: 7
Views: 1138

Re: I want play money in my IPS for TSLA puts...

MotoTrojan wrote:
Sat Jun 30, 2018 12:45 pm
Make it a % of your invested income contributions and not your portfolio size. That way when it goes to $0 you can’t just refill it with another X% of your broad portfolio.
Perfect! That’s what I was looking for.
by motorcyclesarecool
Sat Jun 30, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: I want play money in my IPS for TSLA puts...
Replies: 7
Views: 1138

I want play money in my IPS for TSLA puts...

I can’t stop thinking about buying a few thousand dollars’ worth of lengthy, out-of-the-money TSLA puts. The fact that it isn’t in my IPS isn’t deterring me any longer.

To those of you with built in speculative “play money” in your IPS, how have you set parameters to keep you from going overboard?
by motorcyclesarecool
Sat Jun 30, 2018 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?
Replies: 21
Views: 2758

Re: Travel hacking for frequent international flights: Chase Sapphire preferred or any other card?

I had big estimated tax payments last year that I put on Chase Sapphire Preferred for the sign on bonus. I also racked up a nice bonus on the JetBlue card (we already had a bolus of air miles there). For ~$400 in annual and convenience fees, I flew my family of 4 to Florida in February/March and we ...
by motorcyclesarecool
Thu Jun 28, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4114

Re: Any Reason to Keep My "Landline" Phone?

We have no landlines. DW had cause to call 9-1-1 once from home. She needed multiple attempts to get address info to dispatcher. Our next home will have a POTS line solely for enhanced 9-1-1. Even a hang-up will being a response from a land line. Not so with a cellphone. That’s the only thing I can ...
by motorcyclesarecool
Tue Jun 26, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5305

Re: car for long-distance driving

I'm retired, my part-time 4WD 4Runner is for pulling my boat and driving on the Outer Banks beaches. I stay home when it snows. I walked to work for 25 years when I lived in the Fan District in Richmond and the office was 6 blocks over on Broad St. I was often the first and sometimes only one there...
by motorcyclesarecool
Tue Jun 26, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Taxability of non-resident state income tax refund.
Replies: 4
Views: 368

Re: Taxability of non-resident state income tax refund.

Ok. Possibly a few hundred dollar lesson. I guess I could have paid an extra 5k to state B and not claimed a federal deduction for the 5k withheld by state A.
by motorcyclesarecool
Tue Jun 26, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Taxability of non-resident state income tax refund.
Replies: 4
Views: 368

Re: Taxability of non-resident state income tax refund.

https://www.irs.gov/faqs/interest-dividends-other-types-of-income/1099-information-returns-all-other/1099-information-returns-all-other Did you get a benefit from itemizing that 5K tax? The part that is taxable depends on how much benefit you got vs the std. deduction. See the wksht in the referenc...
by motorcyclesarecool
Tue Jun 26, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Taxability of non-resident state income tax refund.
Replies: 4
Views: 368

Taxability of non-resident state income tax refund.

Here’s my scenario... In 2017, I sold my interest in real property in State A. Being a nonresident, under the applicable laws of State A, roughly $5k was withheld. When I made Estimated tax payments to State B, where I reside, I reduced my payment by the amount that had been withheld by State A. At ...
by motorcyclesarecool
Mon Jun 25, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4111

Re: House seller fudging disclosure re: buried oil tank?

Thanks everyone. You’re cheaper than therapy. Moved on.
by motorcyclesarecool
Mon Jun 25, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4111

Re: House seller fudging disclosure re: buried oil tank?

That’s not how buried oil tanks work, typically the filler tube is below ground, not above ground sticking out like a sore thumb. The vent pipe is nearby, but not directly on top of the tank. So it is entirely possible to decommission a below ground tank without touching the vent pipe. I had an ing...
by motorcyclesarecool
Sun Jun 24, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4111

Re: House seller fudging disclosure re: buried oil tank?

By fudging, are you saying you KNOW the owners “know” there is indeed a tank? How would they know, since they are not the first owner? Current owner bought house from Fannie Mae. I was shown said house twice at the time. There were oil tank filler and vent pipes poking out of the ground a few feet ...