Search found 169 matches

by nolapepper
Thu Jun 15, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Beware Citibank Bonus Promotion
Replies: 39
Views: 6889

Re: Beware Citibank Bonus Promotion

I did the $50K deposit in March. Just got off the phone with them and I was told that it takes up to 90 days from the day the requirement was met (May 14) to get my $500 bonus. Or, I pay $30 service fee per month for the package until I get my bonus. The rep says she put me on the priority list for ...
by nolapepper
Mon Jun 05, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?
Replies: 34
Views: 1791

Re: Why not go all-in-for-fixed-income to non-liquid TIAA Traditional?

I find that as I am getting older, I have more difficulty to deal with complicated things. I want to simplify things. This TIAA traditional RA part is something I think I will have trouble to understand in the future. LOL I actually having trouble understanding now already!@ I have two parts: 1. mat...
by nolapepper
Thu Nov 10, 2016 1:04 pm
Forum: Personal Consumer Issues
Topic: Filling in the swimming pool
Replies: 30
Views: 3934

Re: Filling in the swimming pool

My friend just did it and it costed about $10K. We live in the south. The community has a big pool and the kids like to go there with friends.
by nolapepper
Fri Oct 28, 2016 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting Job to Start a Business
Replies: 51
Views: 4959

Re: Quitting Job to Start a Business

Go for it! At this age, you can afford to fail, and it is worth to fail when you are young.

The disadvantage of keeping a safe job while looking for other opportunities is: you won't and can't look hard enough. Give up everything, you will be forced to 100% devote to your new business.
by nolapepper
Sat Oct 22, 2016 6:53 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 7926

Re: Cheapskate for not flying business class?

That costs about the same as business but without the premium service. :mrgreen:
heikejohn1 wrote:Or the whole row & realy stretch out :mrgreen:
by nolapepper
Sat Oct 22, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 7926

Re: Cheapskate for not flying business class?

I think it is worth splurging on a business class seat if you have the money. You worked hard and this is a good time to use the hard earned money to make your life a little more comfortable. If I had the money, I would buy business for my parents at your age to fly 14 hours. I have to fly internati...
by nolapepper
Wed Oct 19, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: Wedding gift for my sister - amount?
Replies: 38
Views: 3914

Re: Wedding gift for my sister - amount?

$2000, for all sisters, brothers, nieces and nephews. just gave one this month. Only one more to go for us. Need to wait at least 10 years to get "reimbursed" from the sisters and brothers. LOL
by nolapepper
Thu Oct 13, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: Where do you keep your kids' money?
Replies: 54
Views: 7894

Re: Where do you keep your kids' money?

Thank you for your information. This is great! There is a branch in Louisiana, although a little far from me. I checked it out and you can do it online. I will ask my son to open the account himself and let him see the power of compounding interest. 7% is great. Hope it will last long. I recommend a...
by nolapepper
Sun Oct 09, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Interest Checking Account - Credit Union
Replies: 20
Views: 2129

Re: Interest Checking Account - Credit Union

My local credit union has a similar rate and even though there is no clear statement as to the definition of "legitimate" transactions, the bank teller told me that in the past, the denied 12 $1 purchases of candies as legitimate and they think the customer was abusing the system and there...
by nolapepper
Fri Sep 02, 2016 10:54 pm
Forum: Personal Consumer Issues
Topic: How Much Cash for Wedding Gift?
Replies: 45
Views: 4890

Re: How Much Cash for Wedding Gift?

I asked this question before. I was told, For regular friend, $50 per person, which covers the meal/event cost. For best friend, at least double it. I am attending my favorite niece's wedding next month. I was going to give $1000. When I asked firend's about the current "market price," I w...
by nolapepper
Thu Sep 01, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410730

Re: What's Your Credit Card Rewards Strategy?

Received CSR card by expedited mail. The card is thick and heavy! Seems to have a metal layer. The global entry credit is only one time and for one user, right? For my husband to get his credit, he will need to have a card, right ? Or only one credit for one account? I called CSR benefit specialist ...
by nolapepper
Tue Aug 30, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Thank you gift for someone with everything
Replies: 29
Views: 3017

Re: Thank you gift for someone with everything

I usually send something Homemade. Mint tea, fruit I grow myself. Homemade jelly, small crafts
by nolapepper
Fri Aug 26, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410730

Re: What's Your Credit Card Rewards Strategy?

I have international travel every year.I also Need global entry for the whole family. This is my first time to play the card game. I might have to cancel if the points are not enough. It did not state it will cost $75 for adding another user. Or maybe I missed the fine print? What are your strategie...
by nolapepper
Thu Aug 25, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410730

Re: What's Your Credit Card Rewards Strategy?

Is it possible to get the card number before actually get the card, like some store cards? I just found out I have an international business trip coming up in two weeks. It would be nice that I can use it to buy tickets.
by nolapepper
Wed Aug 24, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410730

Re: What's Your Credit Card Rewards Strategy?

thanks! I have to get really creative with this. I just spent all big items like car insurance, two international plane tickets, and a big sofa. Gas card is a great idea! I'm not an expert on manufactured spending; I've just read that it's gotten harder the last few years. If you're $2000 short afte...
by nolapepper
Wed Aug 24, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2304
Views: 410730

Re: What's Your Credit Card Rewards Strategy?

What are your strategies in spending $4000 in the first three months ? My monthly expense is low, around $700
by nolapepper
Wed Aug 24, 2016 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Sell Dallas Rental Condo?
Replies: 22
Views: 2690

Re: Should I Sell Dallas Rental Condo?

My experience: if you do not plan to hold something, sell it early or when it is hot. You never know what is going to happen. We waited one year to sell our small business and lost tens of thousands of dollars. Also, emotion in investing is a dangerous thing.
by nolapepper
Sat Aug 20, 2016 7:37 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 4115

Re: Airbnb rental review

But the op stated that it actually worked out fine even in summer. I would state the fact that in summer it gets down to 60s at night. It was fine without AC. airbnb culture, leaving less than 5 stars is like leaving a tip of less than 15%. You only do it if there was truly something wrong. The best...
by nolapepper
Sat Aug 20, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 4115

Re: Airbnb rental review

In my opinion, it would be nice to give a 5 star but 4 star is fair. 3 star would be unfair. First of all, locals probably think it is normal to list the apartment has AC even though the bedroom does not. They might think (and I think so too) that bedrooms does not need AC as it gets down to 60s at ...
by nolapepper
Fri Aug 19, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 15216

Re: Costco rotisserie chicken

For left overs, we make a broth by boiling the bones for hours (add some vinegar to dissolve calcium), the stir fry the chicken meat with pepper garlic and some veggies, eat with noodles and the broth
by nolapepper
Tue Aug 09, 2016 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Travel for a Year with Family - Career Impact?
Replies: 35
Views: 4246

Re: Travel for a Year with Family - Career Impact?

taking a few weeks off in the summer every year is a better plan than taking off a whole year and then come back to the old stressful world. You will be burn out again. Recharging periodically is more efficient and last longer.
by nolapepper
Thu Aug 04, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 11334

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

We have a pilot and love it. Very useful when you need to transfer a bunch of kids from school to soccer fields. The third row is very comfortable
by nolapepper
Thu Jul 28, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Please help me identiy this pink flower weed (Texas)
Replies: 7
Views: 1123

Re: Please help me identiy this pink flower weed (Texas)

That looks like Sensitive Brier. I used to plant it for fun when I was a kid. It folds its leaves when you touch. Very interesting. I would love to get some!
by nolapepper
Wed Jul 20, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway Class B
Replies: 42
Views: 4294

Re: Berkshire Hathaway Class B

Can you share What other means to get discount? I happen to have Geico as my car insurance and would love to get some discount! Owning a single share of BRK.B has proved useful to me in acquiring a GEICO car insurance discount; I believe the rate is 8%. The capital appreciation hasn't been bad eithe...
by nolapepper
Tue Jul 19, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 9429

Re: Gardening 2016

Pretty much everything is slow as the weather is too hot.

I am concerned my asparagus is permanently damaged when I moved them from my old house three years ago. I did not harvest at all these three years. This year there is not even enough fern growing. :(

Is there anything I can do to save them?
by nolapepper
Tue Jul 19, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Too much house???
Replies: 58
Views: 6706

Re: Too much house???

Maybe your friend does not believe this but Fengshui wise, it is not good for a single person or small family to live in a huge house as the resident cannot hold the empty spaces that will suck up a lot of energy from the resident. Consequently the resident might suffer health problems or bad luck. ...
by nolapepper
Tue Jul 19, 2016 9:04 pm
Forum: Investing - Theory, News & General
Topic: What do you recommend for your emergency fund?
Replies: 25
Views: 3102

Re: What do you recommend for your emergency fund?

I periodically check the website depositeaccounts.com and bogleheads for high interest rate deals. I just found out our credit union has a 3% APY reward checking for $10k, I think that can be a good emergency fund place. So check your local banks and you may find good deals.
by nolapepper
Tue Jul 19, 2016 8:46 pm
Forum: Investing - Theory, News & General
Topic: Capital One 360 Savings Account Bonus - Free $500....
Replies: 17
Views: 4281

Re: Capital One 360 Savings Account Bonus - Free $500....

I actually had 200k in checking. Put 100k in 5 year CD, We sold our small business and don't know what to do next. Now that DH settled down for a teaching job, I am thinking to invest in rentals. Just cannot make up mind. So taking high interest opportunities here and there. Our parish credit union ...
by nolapepper
Thu Jul 14, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 16869

Re: How many of you have cut cord?

I cut the cord in March and saved $80 a month. Life does not seem to be affected at all except that hubby and son had to watch Europe cup soccer final on phone last week. LOL I spent $20 something for a HD Antenna and got 40+ free channels that are enough to entertain DH. I also cut the landline. Sa...
by nolapepper
Thu Jul 14, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Do you tip Uber drivers?
Replies: 49
Views: 7246

Re: Do you tip Uber drivers?

I tip them as even after the tip the rate is still much cheaper than taxi. Your ride is more pleasant than the taxi ride too. Plus you get to talk to interesting people rather than those boring taxi drivers. Tips are highly appreciated by uber drivers. They are underpaid because Uber keeps the rate ...
by nolapepper
Mon Jul 11, 2016 6:35 pm
Forum: Investing - Theory, News & General
Topic: Capital One 360 Savings Account Bonus - Free $500....
Replies: 17
Views: 4281

Re: Capital One 360 Savings Account Bonus - Free $500....

The 90 day is up and I got my $500 bonus. It is time to transfer out. Does anyone know if I need to keep a minimum there to avoid monthly fees? It would be nice to keep the account for any future deals like this. on the other side, they might not give deals to existing accounts, then I need to close...
by nolapepper
Thu Jun 23, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps mailing me dividend checks
Replies: 16
Views: 4057

Re: Vanguard keeps mailing me dividend checks

I called vanguard and they told me the problem is because at one time (December 2015) the Prime money market balance went to 0, and they do not deposit in an account with 0 balance. The system cannot correct itself and keep sending checks. They said the solution is to set it to reinvest or a differe...
by nolapepper
Thu Jun 23, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps mailing me dividend checks
Replies: 16
Views: 4057

Re: Vanguard keeps mailing me dividend checks

Received two dividend checks again!! I have emailed vanguard multiple times. I will try to link them to bank and see how it goes. But I really want just to go to prime money market and then buy the same funds at the end of year or quarter. Those who successfully fixed this problem please please shar...
by nolapepper
Thu Jun 02, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: spreadsheet macro to track/chart daily porfolio value
Replies: 10
Views: 1101

Re: spreadsheet macro to track/chart daily porfolio value

Thanks for sharing! I was able to find the “missing columns" after opening it in a separate window. Here is my anonymized Google Sheet: m The spreadsheet has two sheets (Daily AA & Historical). These sheets are called by name in the three linked scripts. To see the scripts (1) File > Make a...
by nolapepper
Thu Jun 02, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: spreadsheet macro to track/chart daily porfolio value
Replies: 10
Views: 1101

Re: spreadsheet macro to track/chart daily porfolio value

Do you mind posting the template you used?

I use Excel and have to manually update the price which is really a hassle.

Thanks!!

dcabler wrote:I'm an Excel user and use the smf addin. It's available by subscribing to smf_addin in yahoo groups.
by nolapepper
Sat Apr 30, 2016 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 33145

Re: Vanguard Customer Service

Vanguard mailed me dividend checks again! When I emailed them I got a response saying they were bombarded with emails and that was it.
by nolapepper
Wed Mar 23, 2016 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a new SIMPLE IRA and taxable account for the first time
Replies: 7
Views: 909

Re: Opening a new SIMPLE IRA and taxable account for the first time

why not keep everything together at Vanguard to keep life easier? We opened simple IRA last year and transferred Roth IRA to vanguard. It is nice to have everything together and easier to rebalance/TLH etc.
by nolapepper
Wed Mar 23, 2016 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps mailing me dividend checks
Replies: 16
Views: 4057

Re: Vanguard keeps mailing me dividend checks

I searched the site and found this thread and was surprised that this has been going on for so long. Vanguard for the second time this year is mailing me the dividend checks again despite the fact that all funds are set to reinvest. I am very frustrated and don't know how to stop them from doing thi...
by nolapepper
Mon Mar 14, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Fidelity to Vanguard
Replies: 19
Views: 3817

Re: Moving from Fidelity to Vanguard

I did it last year. Make sure you check ALL your accounts after the transaction. Vanguard placed wrong percentage of my funds. I requested 30% bonds 70/stock, they put the opposite. So be careful.
by nolapepper
Tue Mar 08, 2016 10:54 pm
Forum: Investing - Theory, News & General
Topic: Looking for Audible (audio book) recommendations
Replies: 15
Views: 1755

Re: Looking for Audible (audio book) recommendations

There are a lot of finance podcast too
by nolapepper
Fri Feb 19, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Re: Do I need to report a leftover gain from traditional IRA conversion on 8606?

Thanks, Alan. I think it is better just to report it on 8606 to save me some headaches trying to fix it with Vanguard.
by nolapepper
Thu Feb 18, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Re: Do I need to report a leftover gain from traditional IRA conversion on 8606?

This is a brand new TIRA account created just for this transaction in Vanguard. The original TIRA account was also new in Fidelity when the first contribution was made in January. There is no money there in Fidelity since it was converted before it was transferred to vanguard. This is the only tradi...
by nolapepper
Wed Feb 17, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Re: Do I need to report a leftover gain from traditional IRA conversion on 8606?

It was a little complicated: 1. On January 20, 2015, I made a $6500 traditional IRA contribution for 2014 at Fidelity (by mistake. I should have contributed to Roth IRA like I have been doing in the past 6 years) 2. On February 19, 2015, I converted the traditional IRA to Roth IRA (again, by mistake...
by nolapepper
Wed Feb 17, 2016 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Re: Do I need to report a leftover gain from traditional IRA conversion on 8606?

I am really bothered by these unprofessional mistakes by Vanguard staff. There were several mistakes already in our accounts. For example, the percentage of Bonds and Stock were mixed up when we transferred from Fidelity. Last month they mailed my international fund dividend to my house when it was ...
by nolapepper
Wed Feb 17, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Re: Do I need to report a leftover gain from traditional IRA conversion on 8606?

It should not be miscommunication as this is a paper process. On the recharacterization request form to vanguard, I put the whole amount ($6800+ at that time). I thought everything would be recharacterized, but vanguard only recharacterized $6500.

So it seems to be a vanguard mistake. Sigh!
by nolapepper
Wed Feb 17, 2016 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Re: Do I need to report a leftover gain from traditional IRA conversion on 8606?

There was no other money left in the tIRA. Just the $171.01 gain. There was never any traditional IRAs in the whole account. They recharacterized the $6500 and left the gain and dividend there.

So I just need to report this $171, right? Those rechacracterized amount was never deducted on tax return.
by nolapepper
Wed Feb 17, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Do I need to report a leftover gain from traditional IRA conversion on 8606?
Replies: 13
Views: 987

Do I need to report a leftover gain from traditional IRA conversion on 8606?

I did a IRA recharacterization back in May 2015 from traditional IRA to Roth IRA. It left $171.01 dividend or gain in the traditional account. That amount was converted to Roth on August 28, 2015. The contribution was for 2014. Question: Do I need to report this $171.01 on tax form 8606 for 2015? Th...
by nolapepper
Sat Jan 23, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Amazon Prime: doing the math...is it worth it?
Replies: 111
Views: 14232

Re: Amazon Prime: doing the math...is it worth it?

I joined many years ago with a few friends. We first shared equally and later I took over the prime membership. They pay $18 to get fast free shipping and i pay $27 as the prime member to have other benefits that other friends do not care for. Well, those benefits turned out to be of little value. v...
by nolapepper
Fri Jan 22, 2016 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Any way to avoid a wash sale with VTI
Replies: 18
Views: 1491

Re: Any way to avoid a wash sale with VTI

I would say Better be safe than sorry. If in doubt, assume that spouse 401k applies as well.