Search found 1329 matches

by student
Thu Nov 23, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 62
Views: 4978

Re: H&R Block Software

neilpilot wrote:
Thu Nov 23, 2017 9:35 am
student wrote:
Thu Nov 23, 2017 8:08 am

Thanks for the link. Too late now as it is $44.95 https://www.hrblock.com/tax-software/
But I will watch for sale.
Unless you need that AmEx credit, why not just use the OP's link? That's a decent price.
Good point. I will take another look.
by student
Thu Nov 23, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 62
Views: 4978

Re: H&R Block Software

I made the leap to get H&R Block for $29.95, since I saw an "offer" in my American Express card to get a $10 statement credit for any purchase $30 or more from H&R Block. With sales tax this ended up being around $32 for me, so net cost of $22. I got a confirmation email immediately from Amex as fo...
by student
Thu Nov 23, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: personal capital
Replies: 25
Views: 2989

Re: personal capital

I've been reluctant to sign up for Personal Capital because I'm afraid of potential security issues. That concern may or may not be warranted but, considering how many people seem to love the features offered by PC I am surprised Vanguard (or Fidelity, Schwab, TD Ameritrade, etc.) does not offer so...
by student
Tue Nov 21, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Transportation from Orlando Airport to Port Canaveral
Replies: 5
Views: 510

Re: Transportation from Orlando Airport to Port Canaveral

Thanks for the reply. I also posted on Cruise Critic.
by student
Tue Nov 21, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: Transportation from Orlando Airport to Port Canaveral
Replies: 5
Views: 510

Transportation from Orlando Airport to Port Canaveral

I am going on a cruise next month. I have never been to one before. I am flying in the night before the departure date to Orlando. I was assuming that there are plenty of rides going from the airport to Port Canaveral (50 miles). I was wrong. Every company stop running before 1pm. (They assume trave...
by student
Mon Nov 20, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 62
Views: 4978

Re: H&R Block Software

mav12 wrote:
Mon Nov 20, 2017 6:14 pm
Why do you guys prefer HR Block over TurboTax as I'd used it for years and transfers your carryover deductions easily?
I found both usable. I have no preference. I buy whichever is cheaper.
by student
Mon Nov 20, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: Cost basis
Replies: 1
Views: 398

Cost basis

I have an account with Ariel Investment that I started long time ago. Currently it has between 0.5% to 1.0% of my asset. I have already stopped contributing to it and set dividends and capital gains to cash. Last year I sold all the covered shares. They did not have cost basis information online so ...
by student
Sun Nov 19, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: HelloFresh meal boxes - disputing credit card charge
Replies: 18
Views: 1317

Re: HelloFresh meal boxes - disputing credit card charge

This is where a one-time use credit card provided by some banks such as BoA be useful. You can set limit to $2 with a 2 month expiration date. The charge won't go through.
by student
Sun Nov 19, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 1179

Re: Bank of America Premium Rewards card

Thanks to everyone who replied. Is it absolutely necessary to open a checking account with B of A to get the platinum honor level? Can I just open a ME account with 100k? There is an offer to get $300 bonus to open a checking account. But it is a targeted offer. I vaguely remember that I actually g...
by student
Sun Nov 19, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 103
Views: 10854

Re: The valet smashed my Tesla into a brick wall!

I recommend that you post at a Tesla forum. This thread has some info.

https://forums.tesla.com/forum/forums/m ... aim-advice
by student
Sun Nov 19, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Bank of America Premium Rewards card
Replies: 13
Views: 1179

Re: Bank of America Premium Rewards card

Here is my experience with Merrill Edge. A.

viewtopic.php?f=1&t=214753

Here is my recent experience with BoA. F. (Overall, C)

viewtopic.php?f=11&t=232483
by student
Sat Nov 18, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 83
Views: 4086

Re: Do you include the sale of your home as part of your retirement planning?

I do not. I live in a low value condo. So selling it will not help. However, it is part of my retirement planning as I only consider the expense of maintaining it in my expenses.
by student
Sat Nov 18, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 34
Views: 2646

Re: Volunteer to be laid off?

I was planning on retiring in 15 months. If I am not laid of at this time, I will simply resign at that time. There is unlikely to be another opportunity to receive severance package between now and then. The severance package I would be entitled to would be just about the same amount of money that...
by student
Fri Nov 17, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 53
Views: 3803

Re: Replace TVs with Smart Tvs or not?

Hang on to your plasma tv. They give better blacks and you cannot buy them anymore.
by student
Fri Nov 17, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Issue with Bank of America credit card
Replies: 8
Views: 994

Re: Issue with Bank of America credit card

Thanks for the replies.
by student
Fri Nov 17, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Issue with Bank of America credit card
Replies: 8
Views: 994

Issue with Bank of America credit card

I have a BoA Better Balance Reward credit card. It gives you $25 a quarter if you are not late for payment every month. It increases to $30 if you have a bank account with them. I did not receive my $30 last quarter. Since I am a Platinum Plus customer, I thought I would call them and get better ser...
by student
Tue Nov 14, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Michelin or Bridgestone?
Replies: 67
Views: 3623

Re: Michelin or Bridgestone?

Sam's club has a promotion of $70 off 4 Michelin tires.
by student
Tue Nov 14, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Pay down a 3.25% 15-year mortgage?
Replies: 25
Views: 3879

Re: Pay down a 3.25% 15-year mortgage?

I also think that you should sell the rental even if you take a loss that is in the $20,000-$30,000 range as you have a $1,300 negative cash flow per month.
by student
Tue Nov 14, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing from parents - what interest rate?
Replies: 52
Views: 3556

Re: Borrowing from parents - what interest rate?

If you can repay the loan within 5 years, then you are in good financial shape. There is no need for the complication to not get a mortgage loan from a bank.
by student
Mon Nov 13, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: Tipping in living wage state. Redux.
Replies: 102
Views: 5521

Re: Tipping in living wage state. Redux.

When I visited such a state before, I told myself that there is no need to tip but I just can't do it. At the end, I think I tipped between 10% and 15%.
by student
Sun Nov 12, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I loopy for thinking about doing this? [Change stock allocation]
Replies: 10
Views: 1403

Re: Am I loopy for thinking about doing this?

Right now you have a 62/38 allocation. If you do the switch, you have 46/38/15 allocation. It is not an unreasonable allocation. You said you want to buy more stock fund via contribution than the current percentage. You mention nothing about the cash. Are you comfortable in holding the current cash ...
by student
Sun Nov 12, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: "Starter House" - to pay off or not?
Replies: 13
Views: 1445

Re: "Starter House" - to pay off or not?

I also think that not paying it off gives you more options later.
by student
Sun Nov 12, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: What is the next step?
Replies: 5
Views: 409

Re: What is the next step?

I would contribute to the IRA first, and then pay off the car. I would leave the emergency fund alone.
by student
Sun Nov 12, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a home mortgage without spouse?
Replies: 43
Views: 2624

Re: Getting a home mortgage without spouse?

The late payment from 4 years ago will be dropped off in three years in time for your purchase.
by student
Sun Nov 12, 2017 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 14744

Re: Why pay cash for a car?

I know it is somewhat silly but I do not want to deal with car payments.
by student
Sun Nov 12, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else experience ETrade glitches?
Replies: 3
Views: 334

Re: Anybody else experience ETrade glitches?

This sounds bad if you have experienced this several times in such short period of time. Did they give you a reason for the glitches? They did not. They said that they would send it to their “reconciliation group”(?). These differences seem to show up shortly after trades. Good call. Let me contact...
by student
Sun Nov 12, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a job with regular working hours after a long break?
Replies: 7
Views: 1043

Re: How to get a job with regular working hours after a long break?

It seems that you don't need the money and you just need a job to fill time. How about some tech support jobs at educational institutions? You are likely overqualified but you do meet a lot of people. You may even get tuition discount for your kids. Pay is generally lower.
by student
Sun Nov 12, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3239

Re: What's your weighted average expense ratio?

0.18% not counting TIAA Traditional.
by student
Sun Nov 12, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else experience ETrade glitches?
Replies: 3
Views: 334

Re: Anybody else experience ETrade glitches?

This sounds bad if you have experienced this several times in such short period of time. Did they give you a reason for the glitches?
by student
Sun Nov 12, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1286

Re: What Credit Card is good for me?

Start with Citi Double Cash or Fidelity for 2%. Use it in combination with your freedom card. If you want to play a bit of the game, add AMEX Everyday which gives you 3% groceries and Uber credit card which gives you 4% dining. Since you say you do foreign travel, you may want to consider Chase Sapp...
by student
Sun Nov 12, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10269

Re: Tipping for restaurants where you order at the counter

A good general rule of thumb is to follow Emily Post Institute. (It does not cover all the situations in this thread though.)

http://emilypost.com/advice/general-tipping-guide/
by student
Sat Nov 11, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10269

Re: Tipping for restaurants where you order at the counter

Last, I do think there's a social pressure component in that we tip because we come face-to-face with the server. For example, many of my friends are generous tippers in restaurants and bars, but do not tip the hotel housekeeper, which I think is a substantially more difficult job with less pay. Th...
by student
Sat Nov 11, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10269

Re: Tipping for restaurants where you order at the counter

ClevrChico wrote:
Sat Nov 11, 2017 8:29 pm
There's a #4 variation which I see at Asian restaurants. - Full service, but PAY at the counter. I give a traditional tip in that situation.

I also typically tip 10% at buffets if the waitstaff was good.

But for counter service? No.
Me too.
by student
Sat Nov 11, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10269

Re: Tipping for restaurants where you order at the counter

Some states pay tipped employees the full state minimum wage, whereas other states pay as low as $2.13. https://www.dol.gov/whd/state/tipped.htm I second flyingbison's comment of the inherent unfairness of the tip being based on the cost of the meal, as working in fancy restaurants is often less he...
by student
Sat Nov 11, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1206

Re: do I need two different credit card companies

There are definitely merchants that don't accept Amex, but I haven't heard of anywhere that doesn't take both Visa and MasterCard. I haven't encountered many these days. Sometimes they will have special arrangements. The few limited examples are Nieman Marcus only accepted AMEX until 2011. https://...
by student
Sat Nov 11, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 10
Views: 986

Re: Asset Allocation

Different people view it differently. How old are you? If you are close to retirement age, I think either way is a reasonable way of looking at it. Personally I would not include it in the asset allocation but subtract it from what I need.
by student
Sat Nov 11, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

I have a quick question, will I get a dividend check going straight to my bank account every quarter or is that just something that happens for single stocks? Or is it something that I wont see any money unless I sell? Also when I sell do I have to sell it all? You can choose to reinvest the divide...
by student
Sat Nov 11, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 106
Views: 10269

Re: Tipping for restaurants where you order at the counter

The less I need to do, the more I tip. #1 no. #2. Maybe #3 yes. Probably #3 - BUT I do not have the situation of take-out at a "regular" type restaurant, but observe this when eating at some. At some places (such as Silver Diner in this area), I observe wait staff place the takeout order, get it af...
by student
Sat Nov 11, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

Can I just put down 5k right now and maybe next week put another 5k in? Or is it better to go all in off the bat? It probably makes no difference. It was always my policy to invest whenever I had extra money to invest, rather than wait around for a possible better time. Just go ahead and invest all...
by student
Sat Nov 11, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Can Vanguard alert me when there is a stock spinoff?
Replies: 5
Views: 502

Re: Can Vanguard alert me when there is a stock spinoff?

How about activity alerts? I know you will get more than you want but at least you will get them.
by student
Sat Nov 11, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

Can someone tell me about the federal money market on my account? It keeps giving me the option to send money to it, do I need to do this? I have the mutual fund division, not the newer brokerage that all new investors are given. However, I do believe you have it go to their default mm and when you...
by student
Sat Nov 11, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

Can I just put down 5k right now and maybe next week put another 5k in? Or is it better to go all in off the bat? It probably makes no difference. It was always my policy to invest whenever I had extra money to invest, rather than wait around for a possible better time. Just go ahead and invest all...
by student
Sat Nov 11, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

Can someone tell me about the federal money market on my account? It keeps giving me the option to send money to it, do I need to do this? I have the mutual fund division, not the newer brokerage that all new investors are given. However, I do believe you have it go to their default mm and when you...
by student
Sat Nov 11, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Isn't it safer to NOT sign Credit card?
Replies: 97
Views: 6274

Re: Isn't it safer to NOT sign Credit card?

Mastercard just announced that they are phasing out signatures.

https://consumerist.com/2017/10/19/mast ... uirements/
by student
Sat Nov 11, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: do I need two different credit card companies
Replies: 14
Views: 1206

Re: do I need two different credit card companies

Hi Folks, I have 2 visa's 1 master card and one amex card (all have no annual fees). I only use the visas. Much better rewards (costco and Marriott). I am not worried about the effect on my credit rating. Can I dump both AMEX and Mastercard? Is there any chance Visa could have an issue that could s...
by student
Fri Nov 10, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

At age 23 an asset allocation of 80/20 is reasonable in my opinion. Also what is the difference in the mutual funds you listed and something like VOO? I read something about passive and active management. Just trying to figure out the right option for me Vanguard LifeStrategy Growth Fund (VASGX) ER...
by student
Fri Nov 10, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 20
Views: 1832

Re: Savor credit card

I think the Uber credit card is better 4% dining ... That is pretty impressive! The only part I don't like, although it may be a non-issue for others, is that it's points and not pure cash back. How do the rewards work? Everything is points: the cash back, the rewards, etc. Those points can be rede...
by student
Fri Nov 10, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 20
Views: 1832

Re: Savor credit card

Their webpage states that only Amazon Kindle book purchases qualify. https://cashplus.usbank.com/merchants/detail/4117?return=merchants%2Findex This card appears to have category offerings that change quarterly. Too much to monitor for me. Interesting I have used it for other purchases on Amazon an...
by student
Fri Nov 10, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Is an investment account the best choice for me (new guy)
Replies: 84
Views: 3485

Re: Is an investment account the best choice for me (new guy)

Even in my tax bracket ill still have to pay federal tax on my pepsi stock? Or we just dont know that? Does it very? I was just gonna call edward jones in the next several months and sell all my shares and just move on to straight Vanguard. Also I wonder if Vanguard has a bonus for transfering, bec...
by student
Fri Nov 10, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Savor credit card
Replies: 20
Views: 1832

Re: Savor credit card

That's very interesting. We eat out three or four times a week and 4% on dining is a nice accompaniment tp PenFed's 5 on gas, AMEX's 6% on groceries and Fido's 2% on everything else. It's no help on plane tickets as I use the airlines own card for free checked bags, priority boarding and miles. If ...