And yet it is $25, and Amazon did not match it
Search found 1627 matches
- Wed Nov 22, 2023 11:13 am
- Forum: Personal Finance (Not Investing)
- Topic: H&R Block 2023 software offer
- Replies: 246
- Views: 38097
- Wed Nov 22, 2023 5:10 am
- Forum: Personal Finance (Not Investing)
- Topic: H&R Block 2023 software offer
- Replies: 246
- Views: 38097
Re: H&R Block 2023 software offer
Thanks! That link only shows physically shipped versions, I see the download versions available at the brand store pageidenbglhd wrote: ↑Wed Nov 22, 2023 2:41 am Newegg is now showing Black Friday deals.
https://www.newegg.com/p/pl?N=100006800%20600030329
The Discount offer ends per site
$25.00 off w/ up to 5 items per order
Expires 11/28/2023 23:59 PST
https://www.newegg.com/H-R-Block/BrandStore/ID-8916
- Tue Nov 21, 2023 6:24 pm
- Forum: Personal Investments
- Topic: What is the best fund or ETF for taxable total world stock market?
- Replies: 20
- Views: 2907
Re: What is the best fund or ETF for taxable total world stock market?
Well, that's part of the answer. You need to know the dividend rate also.Rick Ferri wrote: ↑Tue Nov 21, 2023 11:23 am Vanguard fund data for 2022:
https://www.vanguard.com/pdf/FTC_2023.pdf
- Tue Nov 21, 2023 6:18 pm
- Forum: Personal Investments
- Topic: 401k Rollover check lost in the mail
- Replies: 38
- Views: 6684
Re: 401k Rollover check lost in the mail
Now that another check is issued, you should ensure that what you receive next in your mailbox is not the original. That happened to me once (not on a 401k rollover). Deposited what I thought was the replacement check but it was the canceled original one.
- Sun Nov 19, 2023 5:04 pm
- Forum: Personal Investments
- Topic: Is it possible to over contribute to TSP?
- Replies: 19
- Views: 2148
Re: Is it possible to over contribute to TSP?
The OP is asking about the TSP. There are no after tax contributions, and they will not match without an employee making contributions in that pay period.Late2Brake wrote: ↑Sun Nov 19, 2023 4:25 pm My HR stops it automatically. Check too see where you company matches your contribution. Mine will match on 401K, Roth 401K and on after tax contributions. So if I payed my 22,500 early, I can continue to get the match on after tax contributions.
- Sun Nov 19, 2023 11:35 am
- Forum: Personal Investments
- Topic: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
- Replies: 20
- Views: 3252
Re: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
I haven't. Just trying to reconcile the data points so I understand it accurately. I would agree it likely doesn't matter much, but it does affect taxable income and that can matter for things like tax cliffs.sycamore wrote: ↑Sun Nov 19, 2023 8:35 am My description is based on my experience. It matches the experience of some people but not all. Good to know! Curious if you've had a different experience transferring ETF or stock shares, especially in a taxable account?
A bigger question is: does it matter? Not really. There's the question of accurately reporting the sale transaction on the tax return. I wouldn't let it get in the way of transferring to my desired brokerage.
- Sun Nov 19, 2023 8:16 am
- Forum: Personal Investments
- Topic: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
- Replies: 20
- Views: 3252
Re: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
I think we're all in agreement that only the fractional amount of the total shares is liquidated. Ok, thanks for clarifying Here are some threads for perusal regarding which lot is used for liquidating the fractional share: https://www.google.com/search?sitesearch=bogleheads.org&q=fifo+liquidated+on+transferred+shares Thanks. This statement was in one of the threads in that list: FYI when Vanguard transfers shares out via an in-kind ACATS transfer, it is done as FIFO (first in first out). The factional shares will come from your most recently purchased ETF share. You also reference FIFO but seemingly a different interpretation: Note, it's possible that more than one lot may be affected. Example: your first 2 lots were 0.4 and 0.2 share...
- Sun Nov 19, 2023 6:55 am
- Forum: Personal Investments
- Topic: Is it possible to over contribute to TSP?
- Replies: 19
- Views: 2148
Re: Is it possible to over contribute to TSP?
If you receive matching contributions, the bigger issue would be reaching the max before your last paycheck of the year. If you did that you would forfeit the match on your remaining paychecks.
- Sun Nov 19, 2023 6:14 am
- Forum: Personal Investments
- Topic: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
- Replies: 20
- Views: 3252
Re: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
The OP has north of 40 shares, but you've stated that they would only have 21 shares after transfer with the rest liquidated.sycamore wrote: ↑Sat Nov 18, 2023 8:15 pmI don't follow.nps wrote: ↑Sat Nov 18, 2023 6:50 pm These data points seem different than what's being described in this thread
viewtopic.php?t=397285
My experience matches that of anon_investor and like2read from the referenced thread.
You've also stated that a fractional share is liquidated from the oldest lot (FIFO). The linked thread states that it is sold from most recent.
- Sat Nov 18, 2023 6:50 pm
- Forum: Personal Investments
- Topic: Does Cost Basis Method matter when planning to completely exit a Mutual Fund?
- Replies: 20
- Views: 3252
- Fri Nov 17, 2023 5:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Shopping for a new family credit card
- Replies: 33
- Views: 4108
- Tue Nov 14, 2023 8:27 pm
- Forum: Investing - Theory, News & General
- Topic: [TSP I Fund changes to MSCI ex US ex China & Hong Kong index]
- Replies: 48
- Views: 6520
Re: TSP changing up the I Fund index
It doesn't include Russia since MSCI doesn't classify Russia as EM any longer
I also wonder if there is a fund anywhere else that tracks this particular index?
I also wonder if there is a fund anywhere else that tracks this particular index?
- Tue Nov 14, 2023 4:58 am
- Forum: Personal Consumer Issues
- Topic: Bloomberg vs WSJ subscription
- Replies: 77
- Views: 10750
- Sat Nov 11, 2023 11:09 am
- Forum: Personal Finance (Not Investing)
- Topic: Open Season coming up, do I have this HSA thing right?
- Replies: 4
- Views: 763
Re: Open Season coming up, do I have this HSA thing right?
That's correctIndigoInkTaco wrote: ↑Sat Nov 11, 2023 8:54 am But the Aetna will make some automatic contributions to the HSA ($66/month?), then I can bump up the rest to the 2024 limit of $4,150, correct?
Unused will carry over, but you can't reduce your AGI by Aetna's contributions, only yoursIndigoInkTaco wrote: ↑Sat Nov 11, 2023 8:54 amUnused will carry over and the $4150 essentially lowers my AGI?
No, the OP is correct
- Fri Nov 10, 2023 2:48 pm
- Forum: Personal Finance (Not Investing)
- Topic: HSA for young person
- Replies: 44
- Views: 4832
Re: HSA for young person
A simple approach at first could be contributing to the HSA the amount of any medical expenses as they occur, then immediately reimbursing them back to her.
- Tue Nov 07, 2023 12:20 am
- Forum: Personal Investments
- Topic: Purposely Overfund 529 to Convert to Roth
- Replies: 50
- Views: 4917
Re: Purposely Overfund 529 to Convert to Roth
That's not a bad plan. You almost certainly would not have to pay a gift tax though. You might have to file a gift tax return.chrstgtr wrote: ↑Tue Nov 07, 2023 12:03 am To do this and avoid gift tax risk, should I just create an account today with myself as the named beneficiary and then create a second account next year for the person I actually intend to be the beneficiary? Then I have two account--one for myself and one for actual beneficiary. If the account for myself gets too large then I can change the beneficiary down the road and deal with whatever gift tax would be associated with the residual over $35K?
- Mon Nov 06, 2023 9:40 pm
- Forum: Personal Finance (Not Investing)
- Topic: FSA Boy meets HSA girl... classic story...
- Replies: 34
- Views: 4856
Re: FSA Boy meets HSA girl... classic story...
An FSA automatically extends coverage to a spouse, so you can't not be covered.SnowBog wrote: ↑Mon Nov 06, 2023 1:58 pm I'm not sure if that's true... But I'll admit I'm not an expert.
But presumably right now you both have "individual" HSA / FSA's - meaning "for yourselves", if so, I think that is unchanged unless/until you switch to "family" versions. In as much as I know if YOU are covered by an FSA it should have no impact on if SPOUSE is covered by an HSA.
The "problem" is that you can't be covered by both at the same time.
- Sun Nov 05, 2023 6:39 am
- Forum: Personal Investments
- Topic: Purposely Overfund 529 to Convert to Roth
- Replies: 50
- Views: 4917
Re: Purposely Overfund 529 to Convert to Roth
So basically, I should list myself as the beneficiary right from the start and only change it after 18 years? What do you mean rollover to a new beneficiary and then file a gift tax return? Do you mean I would just have to change the beneficiary name? And then that might come with a gift tax filing requirement (no actual tax to pay, though)? Good point on the $35k not being indexed to inflation. That probably means that I could start with a significantly lower initial investment. That would be safest, if you are looking to fund your own Roth down the line. If the IRS clarifies that changing beneficiaries doesn't reset the 15 year clock, then you could set it back to your originally intended beneficiary at that time. Changing the beneficiar...
- Sun Nov 05, 2023 4:57 am
- Forum: Personal Investments
- Topic: Purposely Overfund 529 to Convert to Roth
- Replies: 50
- Views: 4917
Re: Purposely Overfund 529 to Convert to Roth
If you plan to fund your own Roth, it's possible you will need to have been the listed beneficiary over the prior 15 years. The IRS hasn't clarified whether changing beneficiaries restarts the clock. You could rollover the amounts you'll pay for college in those years to a new benificary though, but may have to file a gift tax return. Also the $35,000 isn't indexed for inflation.
- Sat Nov 04, 2023 5:31 pm
- Forum: Personal Investments
- Topic: Are t-bills not worth the effort now vs. VMFXX?
- Replies: 33
- Views: 5201
Re: Are t-bills not worth the effort now vs. VMFXX?
VUSXX has a higher SEC yield than VMFXX (by a hair) and only 0.6% repos. Maybe the question should be are tbills not worth the effort now vs. VUSXX?welderwannabe wrote: ↑Sat Nov 04, 2023 4:20 pm Don't forget the state tax benefits of bills vs VMFXX. VMFXX is 40% repos, and repos are taxable at the state level. May not change your decision but should be factored in.
- Sat Nov 04, 2023 4:56 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund disappeared?
- Replies: 15
- Views: 2236
Re: Vanguard settlement fund disappeared?
Thanks. That completes the mystery. Under customized view hide zero balances was checked, although it's not something I had previously selected. Unchecking and refreshing brought the settlement fund info back.
- Sat Nov 04, 2023 1:05 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund disappeared?
- Replies: 15
- Views: 2236
Re: Vanguard settlement fund disappeared?
I think I have the answer: I just looked at my accounts. The accounts where the settlement fund has a balance are shown. However, the accounts with a zero balance in the settlement fund do not show the settlement fund. Thanks sport! That's probably it. My settlement funds are all currently zero fund balance and zero available balance, although that's usually the case. I wonder if this was a recent change. I'd rather see them displayed always, personally. FWIW, the app still shows the settlement fund info. It will be interesting to see how it works with the three balances that are nomally there: the fund balance, pending credits and debits, and available balance. It's possible to have a non-zero fund balance with a zero available balance (a...
- Sat Nov 04, 2023 12:46 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund disappeared?
- Replies: 15
- Views: 2236
- Sat Nov 04, 2023 12:07 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund disappeared?
- Replies: 15
- Views: 2236
Re: Vanguard settlement fund disappeared?
Yes - the holdings tab. This is what I see (personal info removed):arcticpineapplecorp. wrote: ↑Sat Nov 04, 2023 11:11 am depends on what you're asking. Are you simply talking about the "landing" page or the actual "holdings" tab?
On the landing page (known as dashboard) no it's not listed.
If you click on holdings tab (and then summary information is defaulted) yes it's showing it.
It also shows it under balances tab too.
It's listed as Vanguard Federal Money Market Account and under that states: (Settlement fund)?
- Sat Nov 04, 2023 11:06 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard settlement fund disappeared?
- Replies: 15
- Views: 2236
Vanguard settlement fund disappeared?
I could have sworn that Vanguard used to display settlement fund balance information under Holdings when logged into the website. I no longer see it, nor a way to have it displayed. Is anyone else having this issue?
- Fri Nov 03, 2023 8:46 pm
- Forum: Personal Investments
- Topic: I-bonds at 1.3% fixed or TIPS at 2,4% plus....
- Replies: 25
- Views: 8240
Re: I-bonds at 1.3% fixed or TIPS at 2,4% plus....
No, they will effectively yield 3.95% in a 25% tax bracket (if there were one).JD101 wrote: ↑Fri Nov 03, 2023 7:26 pm Doesn't I-bonds yeild combined interest rate of 5.27% + there is no state taxes to pay, so effectively they could be yeilding 6% in @ 25% tax bracket?
So it doesnt provide any poor return especially if the money is allocated towards fixed asset class such as CD, money market etc.
- Fri Nov 03, 2023 6:33 pm
- Forum: Personal Finance (Not Investing)
- Topic: Citi cuts off some paper bill recipients
- Replies: 46
- Views: 5376
Citi cuts off some paper bill recipients
First Vanguard, now Citi! Consequences for receiving paper statements
The full story (paywall) cites Citi's claim that it is a "beta program" rolled out to a small number of its customers receiving paper statements. But the writing may be on the wall.Some Citigroup credit-card customers are getting a stark warning from the bank: Go paperless or lose access to your online account.
- Wed Nov 01, 2023 11:27 am
- Forum: Investing - Theory, News & General
- Topic: TSP G Fund rate 3.00% (Nov 2023)
- Replies: 231
- Views: 38120
Re: TSP G Fund rate 3.00% (June 2022)
Now 5.0%, getting better as the yield curve gets less inverted
- Tue Oct 31, 2023 11:19 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1201518
Re: time to exchange some more I Bonds
Yes but sailaway is asking about whether interest counts against the limit. The answer is that interest does NOT count against the $10k purchase limit.alluringreality wrote: ↑Tue Oct 31, 2023 10:47 amPrior discussion indicates that a $10k gift transfers the entire position, including accumulated interest. Generally since TIPS offer higher rates, buying TIPS may be worth considering when thinking about locking up a purchase for 5-10 years.
- Sun Oct 29, 2023 10:48 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1201518
Re: question about how to buy ibonds for wife?
Lol
I am in the "yes it is possible" camp
- Sun Oct 29, 2023 6:01 am
- Forum: Investing - Theory, News & General
- Topic: I bonds over TSP G fund when fixed rate 1% or more?
- Replies: 10
- Views: 2695
Re: I bonds over TSP G fund when fixed rate 1% or more?
I don't believe there has been a year where the G fund yielded more than 1 percent real since 2015, and prior to that, 2010. It was higher in most earlier periods, and its average since inception is closer to 2% real.
2022 was the worst performance on record with negative 5% real but it's on track to be slightly positive this year.
Does that help?
2022 was the worst performance on record with negative 5% real but it's on track to be slightly positive this year.
Does that help?
- Sat Oct 28, 2023 6:08 am
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity as a one stop shop
- Replies: 5973
- Views: 1007477
Re: Fidelity as a one stop shop
Another option would be to enable checkwriting on your account, then use the routing and account number printed on the check. Some payment processors don't deal well with Fidelity's own account numbers.Nathan Drake wrote: ↑Fri Oct 27, 2023 10:09 pm Anyone tried using their CMA account to pay for Rent?
My new apartment complex verifies bank accounts through a service called Plaid, but I cannot get it to work with my CMA routing/account number. I have an email out to Fidelity but no response yet.
I guess the alternative would be to use the CMA Bill Pay feature where they send a check every month - how reliable is this service? Does it always arrive on the day you specify?
- Fri Oct 27, 2023 4:39 am
- Forum: Investing - Theory, News & General
- Topic: Fidelity to copy Vanguard's dual ETF / MF expired patent
- Replies: 61
- Views: 6479
Re: Fidelity to copy Vanguard's dual ETF / MF expired patent
No, active ETFs had existed for years before Vanguard requested a dual-share class structure for its active funds. And Vanguard's request was never approved. So why is it different now for Fidelity?retiringwhen wrote: ↑Thu Oct 26, 2023 9:09 pmThey have since approved Active ETFs, maybe now they will allow active dual class...
- Thu Oct 26, 2023 8:21 pm
- Forum: Investing - Theory, News & General
- Topic: Fidelity to copy Vanguard's dual ETF / MF expired patent
- Replies: 61
- Views: 6479
Re: Fidelity to copy Vanguard's dual ETF / MF expired patent
The SEC did not approve Vanguard's request to create ETF share classes for its active funds. How is Fidelity's request to create ETF share classes for its active funds any different?
- Thu Oct 26, 2023 11:17 am
- Forum: Personal Finance (Not Investing)
- Topic: (Kindly) Advice requested on paying credit card question ...
- Replies: 52
- Views: 3574
Re: (Kindly) Advice requested on paying credit card question ...
I don't know about safer. For one thing, it's a lot more likely that you will make a mistake if you have to be typing in bill pay amounts. See the OPs dilemma in this recent thread for an example of that.
For another, in the event of a bill pay push failure, the recourse to the credit card company is potentially more complicated if it didn't involve their own bill pay system.
- Wed Oct 25, 2023 8:02 pm
- Forum: Personal Finance (Not Investing)
- Topic: What's Your Credit Card Rewards Strategy?
- Replies: 7203
- Views: 1413017
Re: What's Your Credit Card Rewards Strategy?
Using the card for non business purposes violates the terms and conditions, but I agree it does not generally get reported as an issue.mancich wrote: ↑Wed Oct 25, 2023 1:09 pm Keep in mind that they don't have to be business expenses. I did this for my own LLC earlier this year (though I think it was for a lower bonus), and put a bunch of personal stuff on the card, and there was no issue with it at all. We figure with Christmas and a few other known expense coming up, this will be an easy $900.
- Tue Oct 24, 2023 4:39 am
- Forum: Personal Finance (Not Investing)
- Topic: Family HSA and employer contribution matching
- Replies: 11
- Views: 874
Re: Family HSA and employer contribution matching
I don't see why not possible. But is it worth it? How much are the premiums?
- Sun Oct 22, 2023 6:26 pm
- Forum: Investing - Theory, News & General
- Topic: Please explain how bonds “recover”
- Replies: 68
- Views: 7935
Re: Please explain how bonds “recover”
I don't know what you're missing. You said Utah's 529 only has 10% in stocks up to age 15 and then no stocks after that. I provided the actual allocations so you could see that's not the case.
- Sun Oct 22, 2023 3:42 pm
- Forum: Investing - Theory, News & General
- Topic: Please explain how bonds “recover”
- Replies: 68
- Views: 7935
Re: Please explain how bonds “recover”
The link you provided is for a "custom" age based allocation built by the site's author. Utah's target enrollment plans have significantly more than that in stocks and non-short term bonds, nearly 40% allocations to each at age 15. Their glide paths don't go down to 10% stocks until the child's enrollment age.arcticpineapplecorp. wrote: ↑Sun Oct 22, 2023 1:28 pm utah's 529 only has 10% in stocks up to age 15 and then no stocks after that (because it's too risky) and most of the money is in short term investment grade at this stage (so losses would have been less).
Here are the actual Utah allocations
https://my529.org/wp-content/uploads/20 ... Charts.pdf
- Sun Oct 22, 2023 6:37 am
- Forum: Investing - Theory, News & General
- Topic: Please explain how bonds “recover”
- Replies: 68
- Views: 7935
Re: Please explain how bonds “recover”
Is there a way to capture capital losses in a 529? I guess that's one consideration, for example if the 529 has lost 10% of principal over 10 years and it's time to withdraw the money for college expenses, is there a way to realize those losses of principal from a tax perspective? I would think not because the dividends and interest are tax deferred, If seems like a taxable account would have been better in that case to realize losses, plus the taxable account could just buy bonds maturing at a specific year when the funds would be needed for tuition Not anymore, but under current law the option will come back when the TCJA expires after 2025. It would be handled as a miscellaneous itemized deduction, which kicks in only to the extent that...
- Mon Oct 09, 2023 8:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Smart Home Buying Decision?
- Replies: 60
- Views: 5619
Re: Smart Home Buying Decision?
I am an essential worker so I am not affected by shutdowns. No comment on your home buying decision. But essential worker only means that you work during a shutdown, not that you will continue to get paid on time. In fact, It's more desirable to be non-essential because you get bonus vacation and don't lose any pay. Your pay is delayed, just like the essential folk. This is so true. When you are non essential you get sent home with no pay but then you come back and get back pay anyway whereas we have to work through it for no overtime so both get paid the same one group just trades time off for pay at a later date. No, if you work for an agency where you are paid from annual appropriations, both groups are equally affected. Your coworkers ...
- Sun Oct 08, 2023 6:05 am
- Forum: Investing - Theory, News & General
- Topic: I Bonds Mega Thread (I Bond Heads Rejoice!)
- Replies: 6651
- Views: 1201518
Re: I Bonds Mega Thread (I Bond Heads Rejoice!)
I thought about this some more. Selling and rebuying only makes sense if I wasn't going to buy the $10k anyway. Here is my actual situation: My wife and I have $10k remaining in each of our gift boxes purchased at 0% real, that we were going to gift to each other in January. Assuming the new issue in November has a positive real rate, it's a no brainer to buy the new issue and keep the $10k in the gift box, right? I think there's little doubt that it will be a positive real rate, and many here believe it will be higher than the current 0.9 Why do you think it's a no brainer to hang onto a zero percent fixed I bond? You could deliver and redeem it, and use the proceeds to buy a new gift at 0.9 percent or higher. Then you're still left with ...
- Sun Oct 08, 2023 5:54 am
- Forum: Personal Investments
- Topic: I bond asset allocation
- Replies: 32
- Views: 3435
Re: I bond asset allocation
You can only buy the I bonds that are available now. There is no such thing as buying "recent"
If you buy an I bond now you will always earn 0.9 percent real, unless there is deflation as you point out
- Fri Oct 06, 2023 8:49 pm
- Forum: Personal Finance (Not Investing)
- Topic: Smart Home Buying Decision?
- Replies: 60
- Views: 5619
Re: Smart Home Buying Decision?
No comment on your home buying decision. But essential worker only means that you work during a shutdown, not that you will continue to get paid on time.BizarroJerry wrote: ↑Fri Oct 06, 2023 12:45 pm I am an essential worker so I am not affected by shutdowns.
- Mon Oct 02, 2023 8:33 pm
- Forum: Investing - Theory, News & General
- Topic: TSP G Fund rate 3.00% (Nov 2023)
- Replies: 231
- Views: 38120
Re: TSP G Fund rate 3.00% (June 2022)
Now 4.75%
Highest since 2007
Highest since 2007
- Mon Sep 18, 2023 6:11 am
- Forum: Personal Finance (Not Investing)
- Topic: Think I made an enormous mistake
- Replies: 37
- Views: 8230
Re: Think I made an enormous mistake
When you do your taxes next spring, you'll enter the cost basis on the tax statement you'll receive. (The IRS wants you to acknowledge what is on the tax statement so you both match.) Then you'll override the cost basis to whatever some of your shares had. Both cost basis amounts will be reflected on the tax return but taxes will be calculated using the override. The hard part is documenting what you are doing now so that you can maintain the correct remaining cost basis for future sales. Where will you put this info so you can find it when you sell more shares in the future? Where are you getting this information? I don't think it's possible to override what the broker reports. See for example here: "But the bottom line is that under...
- Sat Sep 16, 2023 3:38 pm
- Forum: Personal Finance (Not Investing)
- Topic: which cards let you issue virtual credit card numbers
- Replies: 45
- Views: 5941
Re: which cards let you issue virtual credit card numbers
Citi used to allow individual virtual numbers for each transaction, but the option seems to have been removed from their website. I switched to a different card when they removed the 2% cash back, so I don't know what they're doing now. Which 2% card did they remove? They've had the DoubleCash 2% card for a while. I forget the name of the card, but I had it for more than 20 years before I switched to another card when they announced they were killing my 2% back. Wait, who announced they were killing the 2% cash back? The Citi Double Cash card is still paying 2% cash back (with the same tedious "1% when you buy, 1% when you save" approach that disincentivizes taking your rewards in the form of a statement credit). He seems to be r...
- Thu Sep 14, 2023 7:44 pm
- Forum: Personal Finance (Not Investing)
- Topic: which cards let you issue virtual credit card numbers
- Replies: 45
- Views: 5941
Re: which cards let you issue virtual credit card numbers
Forget Citi. They allow charges through even on long-deactivated numbers. PointlessThereAreNoGurus wrote: ↑Thu Sep 14, 2023 7:29 pmMy Citi Double Cash cards still pay 2%Mel Lindauer wrote: ↑Thu Sep 14, 2023 4:17 pm Citi used to allow individual virtual numbers for each transaction, but the option seems to have been removed from their website. I switched to a different card when they removed the 2% cash back, so I don't know what they're doing now.
You may not be able to create a VC for each transaction, but I can simulate that by generating a VC, place my order, and as soon as I see the pending charge on my Citi app, which is usually right away, I delete the VC.
- Wed Sep 13, 2023 8:10 pm
- Forum: Personal Investments
- Topic: Accidentally sent my money to IRS from Roth, Please Help
- Replies: 11
- Views: 1390
Re: Accidentally sent my money to IRS from Roth, Please Help
The OP intended to withdraw from the Roth account to pay for medical expenses. The issue for OP is not the loss of Roth space. It is the unavailability of the entire proceeds.nalor511 wrote: ↑Wed Sep 13, 2023 7:48 pmThe bigger issue for me would be losing the Roth space and taking the tax hit, but I get yadukeblue219 wrote: ↑Wed Sep 13, 2023 7:39 pmI think the bigger issue is paying for the medical expenses now that a huge chunk of savings has just been loaned to the IRS for 6 months.
- Tue Sep 12, 2023 4:11 pm
- Forum: Personal Investments
- Topic: Why fret about investment taxes??
- Replies: 130
- Views: 10826
Re: Why fret about investment taxes??
Tax avoidance and tax evasion are two very different animals. No need to question the patriotism of those who pay what is legally required.