Search found 2182 matches

by student
Fri Jul 20, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 55
Views: 2015

Re: Fake IRS calls - anybody care?

BogleMelon wrote:
Fri Jul 20, 2018 9:15 am
whodidntante wrote:
Thu Jul 19, 2018 9:55 pm
I would personally enjoy wasting their time and causing them frustration.
+1
I don't know why they dont call me. I want one of these calls please! :mrgreen:
You may enjoy watching https://www.youtube.com/watch?v=ge5J6_tuq_g
by student
Fri Jul 20, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 27
Views: 1787

Re: International Stocks in Taxable?

I don't understand. I have XVUS. Last year, it produced about $1,400 ordinary dividend including $1,100 qualified dividend but the foreign tax paid is already about $110. I have nowhere near 20k qualified dividend. Am I misunderstanding something? I don't think you're misunderstanding. In your case...
by student
Fri Jul 20, 2018 6:08 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 27
Views: 1787

Re: International Stocks in Taxable?

I know this is hard to give an accurate answer to, but what dollar amount would you guestimate you have to have in your taxable account to generate around $20k in foreign dividends on normal performance years? First, the limitation kicks in at 20k of QUALIFIED dividends from foreign sources. As I'm...
by student
Fri Jul 20, 2018 5:54 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 27
Views: 1787

Re: International Stocks in Taxable?

Oh. I learned something today. I was not aware of the form F1116. I am also moving my international to taxable. Fortunately/Unfortunately, my portfolio is not big enough.
by student
Fri Jul 20, 2018 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Money and Closing Bank Account
Replies: 12
Views: 802

Re: Transferring Money and Closing Bank Account

First, I would find out whether the bank has any low balance fee. If not, then you can write yourself a check or ACH all but a few pennies and let the back closes it on its own, as some others have suggested. If the bank has a low balance fee, then you can write yourself a check or ACH all but the m...
by student
Fri Jul 20, 2018 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Transferring Money and Closing Bank Account
Replies: 12
Views: 802

Re: Transferring Money and Closing Bank Account

I typically close accts like this by drawing out the full balance down to the penny. In my experience the bank will auto-close a zero-balance acct after a statement cycle or two. If they don't, you can call / online msg / walk in and direct them to close it. As for how to remove the balance- nothin...
by student
Thu Jul 19, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 68
Views: 4545

Re: $540 a month on food for graduate student budget too much?

When I was a graduate student, I ate out often. There were plazas next to the university with inexpensive food. The dining hall was affordable too. If you have Indian or Chinese buffet places with take out options, you can go and get the "good" stuff and supply your own rice and bread. So it will la...
by student
Thu Jul 19, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

I guess I am getting senile. My check bounced. I have two checking accounts that I use. The main one that I use to pay tax and a secondary one that I use to pay monthly association fees and to small merchants. For security, I keep a very small balance on the secondary checking account. When I paid ...
by student
Thu Jul 19, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 24
Views: 2492

Re: Acceptable uses...New Financial Chromebook

I think it would help, at least it would not cost additional harm. This would be particular helpful if your household computer are being used by multiple members and some are not as careful as others.
by student
Thu Jul 19, 2018 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1089

Re: Should I get a warranty for my new glasses?

Did you get anti scratch coating? If so, I think it is durable. So it is probably not necessary to get the warranty.
by student
Wed Jul 18, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Selling mom's house
Replies: 50
Views: 3476

Re: Selling mom's house

I agree with the poster who suggested that you walk away from the house and give up your share.
by student
Mon Jul 16, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2221

Re: how to diagnose problem with cable internet speed

I will try the following steps. 1) If you use wifi, stand next to the router. If speed has improved, then the problem is with the distance; otherwise, go to step 2. 2) Use ethernet cable to connect to your router. If speed has improved, then the problem is with the wifi of your router; otherwise, g...
by student
Mon Jul 16, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 114
Views: 6352

Re: Anyone not have a Budget?

I used to do a budget and to keep track of my expenses. I stopped doing this a while ago after my friend made a good argument against it. His argument is essentially the exercise takes too much time and is not needed unless one is spending too much. These days, I use a simpler approach. After I put ...
by student
Mon Jul 16, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2221

Re: how to diagnose problem with cable internet speed

I will try the following steps. 1) If you use wifi, stand next to the router. If speed has improved, then the problem is with the distance; otherwise, go to step 2. 2) Use ethernet cable to connect to your router. If speed has improved, then the problem is with the wifi of your router; otherwise, g...
by student
Sun Jul 15, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

It seems the problem of confusing which account to use could be eliminated by simply using a check register (gasp!) for each account. When you write a check, and enter in the register, it would be immediately apparent if there was not enough money to cover the check. But I forget, check registers a...
by student
Sun Jul 15, 2018 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13151

Re: Early retirement

DesertDiva wrote:
Sat Jul 14, 2018 8:27 pm
skime wrote:
Fri Jul 13, 2018 4:58 pm
I'm 48
I met a couple younger than you who retired early. Their pre-rehearsed response is "we have special circumstances" which tends to shut down further questions.
Wow. That's a good sentence. Yes. This convey private information and polite people will know to stop.
by student
Sun Jul 15, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13151

Re: Early retirement

Its not just social media. HGTV is the bane of my existence... every time Joanna Gaines does a reno my wife comes up with a new project for me that we "just have to have" :oops: Wow. I vaguely remember someone mention something like this in an another thread long time ago. I also like to watch HGTV...
by student
Sun Jul 15, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Splitting Monies between multiple investment houses
Replies: 17
Views: 1381

Re: Splitting Monies between multiple investment houses

I like having multiple places in case of fraud and it takes time to sort it out. On the other hand, this action does complicates life. I have a recent thread about a bounced check due to a mistake because of multiple accounts. Several threads exist on this topic. Here is one recent example. https:/...
by student
Sun Jul 15, 2018 5:06 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7300

Re: Be Careful Using Mailboxes

AAA wrote:
Fri Jul 13, 2018 5:56 pm
It's recommended to use a gel pen when writing checks.
Thank you for the suggestion. I will implement this recommendation.
by student
Sun Jul 15, 2018 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

I'd bet that check fraud is extremely rare these days. If the money is stolen it will be because your debit card number was used but if you don't have a debit card then having two accounts is definitely overkill. If you are just paying property tax out of the main account then presumably you can ke...
by student
Sun Jul 15, 2018 5:03 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

It won't affect your credit. I have never heard of them reporting to credit reporting agencies for property taxes. They can put a lien on your house and take your house away so they don't need to bother with that. You have two checking accounts, paid the taxes due in Sept in July and bounced a chec...
by student
Sun Jul 15, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital accounts problems...just me? good alternatives?
Replies: 9
Views: 1152

Re: Personal Capital accounts problems...just me? good alternatives?

How many accounts do you have? I personally do not like to give them the password. I update it manually. It only takes a few minutes.
by student
Sun Jul 15, 2018 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5154

Re: Would you trade experiences in your youth for early retirement

Personally I wish I went on more vacations (out-of-town). I never took one before 30. I essentially only had one out-of-town weekend vacation before 45. I suppose, in my defense, I was a graduate student in my 20's and I had limited funds.
by student
Sat Jul 14, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Splitting Monies between multiple investment houses
Replies: 17
Views: 1381

Re: Splitting Monies between multiple investment houses

I like having multiple places in case of fraud and it takes time to sort it out. On the other hand, this action does complicates life. I have a recent thread about a bounced check due to a mistake because of multiple accounts. Several threads exist on this topic. Here is one recent example. https:/...
by student
Sat Jul 14, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2221

Re: how to diagnose problem with cable internet speed

OP here. I narrowed the problem down to faulty modem. I replaced the modem with Netgear CM500 and requested a free upgrade to 100 mbps speed (thanks, Suddenlink), and am now getting high 80's to low 90's speed. I also replaced the 1 ghz splitters with 2.5 ghz splitters. There was already a MoCA fil...
by student
Sat Jul 14, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2779

Re: Someone is using my cellphone number

It's likely someone gave the wrong cell phone number when they ordered at best buy. I wouldn't be too worried about. If you don't shop best buy, feel free to block the number. I also wouldn't be upset at best buy for not being able to remove your phone number. Would you want to be customer to a bus...
by student
Sat Jul 14, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2779

Re: Someone is using my cellphone number

There is a scam where hackers will steal your cell phone number. That way they can use it to unlock your email and other accounts if you use two-step verification. In your case, how did you call Best Buy? Hopefully you looked up their number and didn't call the number in the text. That's the only p...
by student
Sat Jul 14, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13151

Re: Early retirement

remomnyc wrote:
Sat Jul 14, 2018 6:44 am
When I told her I quit because I had enough money and enough of the job, she told my dad to go to the bank and cash the checks I had sent for mother's and father's day.
:D
by student
Sat Jul 14, 2018 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 13151

Re: Early retirement

Oh yes. I'm planning on becoming financially independent and will likely retire between the ages of 50-55, and when I've mentioned that to people, I've received a variety of responses. Wow. That's great. I don't think I know any college professor who plan to retire before 55. Personally, I may do 1...
by student
Sat Jul 14, 2018 5:11 am
Forum: Investing - Theory, News & General
Topic: [Backdoor Roth IRA - Forbes: IRS Unlocks The 'Door' For High-Income Savers]
Replies: 7
Views: 1459

Re: Backdoor Roth IRA article

The main point of interest I saw, someone from the IRS (Donald Kieffer Jr., a tax law specialist with the IRS’s Tax-Exempt and Government Entities Division) saying: “I think the IRS’s only caution would be whenever we see words like ‘back door’ or ‘workaround’ or other step transactions that are pu...
by student
Sat Jul 14, 2018 4:57 am
Forum: Investing - Help with Personal Investments
Topic: Splitting Monies between multiple investment houses
Replies: 17
Views: 1381

Re: Splitting Monies between multiple investment houses

I like having multiple places in case of fraud and it takes time to sort it out. On the other hand, this action does complicates life. I have a recent thread about a bounced check due to a mistake because of multiple accounts.
by student
Sat Jul 14, 2018 4:51 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1044
Views: 184621

Re: This thread rewarded me $2K!

Just sharing my experience and methods. And a BIG thank you earl, and all who have posted...here's my short story this week. Recently we moved some cash to Schwab. The senior guy at the local office assured me there was no bonus available. When i dropped off the cashiers check the junior guy tracke...
by student
Sat Jul 14, 2018 4:46 am
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2779

Re: Someone is using my cellphone number

Thank you very much for your comments.
by student
Sat Jul 14, 2018 4:46 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

Thank you for answering. I appreciate your comments.
by student
Fri Jul 13, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 4785

Re: Should we sell our business?

I have never owned a business so my reply is probably worthless. If you think he is a trustworthy person, I would sell him the majority of the business and keep a small portion and be a silent partner, with the option to sell the remaining shares to him at the same valuation within 5 years.
by student
Fri Jul 13, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

You are outsmarting yourself. What does two checking accounts protect against? Use a bank that will have your money replaced fast if the account is drained by fraud. Thanks for the comment. My thought is that the account number can be misused by something such as printing checks. So for places (sma...
by student
Fri Jul 13, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

I guess I am getting senile. My check bounced. I have two checking accounts that I use. The main one that I use to pay tax and a secondary one that I use to pay monthly association fees and to small merchants. For security, I keep a very small balance on the secondary checking account. When I paid ...
by student
Fri Jul 13, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Re: Bounced check

So the check bounced. I found out via an email from the bank today. If the bank were nice, it would have let you dump money into your checking account to cover the check. In my experience, only credit unions are nice. I wish they contacted me to ask for money to cover the check. To be fair to them,...
by student
Thu Jul 12, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Someone is using my cellphone number
Replies: 21
Views: 2779

Someone is using my cellphone number

This morning I received a text message from Best Buy regarding an online order. Then I received a text message regarding the order being cancelled. I do have a Best Buy account but it is not linked with my cell phone number. After talking to a customer service representative, I think someone entered...
by student
Thu Jul 12, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bounced check
Replies: 29
Views: 3242

Bounced check

I guess I am getting senile. My check bounced. I have two checking accounts that I use. The main one that I use to pay tax and a secondary one that I use to pay monthly association fees and to small merchants. For security, I keep a very small balance on the secondary checking account. When I paid m...
by student
Wed Jul 11, 2018 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2248

Re: Should I move all my investments to Vanguard?

Personally I like redundancy. When I was a graduate student, I was known as the guy who has two alarm clocks. I usually bring two to conferences. Currently I have multiple accounts, some of which were opened many years ago when I was trying out different mutual fund companies. In the future, I do pl...
by student
Tue Jul 10, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 12
Views: 919

Re: Stable Value Fund

Stable value funds are only available in qualified retirement plans such as 401K's, although I never really understood why there was such a limitation. Not so. TIAA offers their stable value fund in their traditional and Roth IRAs. It is completely liquid, but pays less than it does in a employer r...
by student
Tue Jul 10, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Travel credit cards
Replies: 18
Views: 1457

Re: Travel credit cards

I echo the Chase Sapphire Reserve recommendation.
by student
Mon Jul 09, 2018 5:39 am
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3990

Re: Tipping in a hotel room/cruise ship room

I have never been on a cruise. My wife is a minibar attendant in a luxury hotel, and can tell you that by leaving money in the room for the housekeeper it will only be taken by the person who was assigned to clean your room that day. The housekeeper that day may only work Fridays, for example. Anot...
by student
Sun Jul 08, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: WiFi router
Replies: 35
Views: 2471

Re: WiFi router

You can either get a set of https://store.google.com/us/product/goo ... n?hl=en-US which I find expensive. I recommend https://www.amazon.com/Dual-Band-AiMesh ... sus+router and one is enough.
by student
Sun Jul 08, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3990

Re: Tipping in a hotel room/cruise ship room

Being a hotel maid is unskilled labor. In a LCOL to MCOL area, $22k/year seems more than reasonable compensation for that type of work. It is fascinating how smart people of good will can have such different views. Since this figure is an average, many maids likely make less than that. Andy. 13 sta...
by student
Sun Jul 08, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Quality/speed of Xfinity Mobile hotspots
Replies: 3
Views: 245

Re: Quality/speed of Xfinity Mobile hotspots

You don't need to be on Xfinity Mobile to use its hotspots. It is sufficient to be their internet customers. In any case, I find the hotspots relatively good.
by student
Sun Jul 08, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage payoff vs TIAA Traditional
Replies: 7
Views: 618

Re: Mortgage payoff vs TIAA Traditional

Since your jobs are stable, you have options. I think either way is fine. My opinion is not to pay off the mortgage at this point and reevaluate every 5 years.