Search found 394 matches

by Laundry_Service
Sun Mar 10, 2024 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Cash Do You Keep In Your Home?
Replies: 207
Views: 14918

Re: How Much Cash Do You Keep In Your Home?

A few hundred mainly in small bills for tips for hotel housekeeping and valet when needed.
by Laundry_Service
Wed Feb 28, 2024 6:03 am
Forum: Personal Finance (Not Investing)
Topic: best method to pay taxes balance due
Replies: 18
Views: 1635

Re: best method to pay taxes balance due

The PayPal credit card is currently giving 3% back on PayPal transactions and you can use payusatax.com, which is IRS authorized, and pay 1.82%
by Laundry_Service
Sun Feb 04, 2024 10:26 am
Forum: Personal Finance (Not Investing)
Topic: 5500EZ reporting question
Replies: 10
Views: 552

Re: 5500EZ reporting question

I put the contributions that were made in 2023 which was the employer contribution made in 2023 for the 2022 year. Not sure if this is correct.
by Laundry_Service
Sun Feb 04, 2024 7:20 am
Forum: Personal Investments
Topic: Computershare certificated shares
Replies: 5
Views: 610

Re: Computershare certificated shares

These are shares of Bank of America that have been other companies over the years. They have multiple brokerage accounts at Vanguard, Schwab and are capable but not as motivated to consolidate.

I've been trying to get them transferred to Merrill Edge but the ACATS transfer initiated from Merrill has been unsuccessful and didn't know if this indicated they have paper shares floating around.
by Laundry_Service
Sun Feb 04, 2024 6:35 am
Forum: Personal Investments
Topic: Computershare certificated shares
Replies: 5
Views: 610

Computershare certificated shares

My parents have several Computershare accounts and when I log in the site shows the shares and also has them listed as "certificated" they receive dividends by mail. My father things he sent the paper shares in many years ago but I wanted to confirm that if CS has them listed as certificated what exactly that means?
by Laundry_Service
Sun Feb 04, 2024 6:16 am
Forum: Personal Consumer Issues
Topic: Emergency minivan replacement
Replies: 29
Views: 2874

Re: Emergency minivan replacement

lthenderson wrote: Fri Feb 02, 2024 5:04 pm For a misfiring van that otherwise runs, I would seek a second opinion. My next option with your finances would be option 3. 125,000 miles for an Odyssey or Sienna is just getting started. I’ve owned both.
I'd also suggest a second opinion but the overheating potentially blew the engine head gasket which is a significant repair.
by Laundry_Service
Tue Jan 23, 2024 7:05 am
Forum: Personal Investments
Topic: In a Brokerage Account but buy ETFs offered by other Brokerage firms. Guilty? Loyalty? How common? Advice?
Replies: 17
Views: 1338

Re: In a Brokerage Account but buy ETFs offered by other Brokerage firms. Guilty? Loyalty? How common? Advice?

You shouldn't have any guilt. Brokerages like having assets under management and Vanguard is still making their money from the ER of ETFs
by Laundry_Service
Sat Jan 13, 2024 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 871
Views: 162133

Re: Pay Federal Tax via Credit Card ? Anyone ?

chromexcel wrote: Thu Jan 11, 2024 1:36 pm Have you specifically used the PayPal Mastercard to pay your estimated taxes and confirmed it is coded as a “purchase”?
I can't seem to post a photo here but yes. Just posted yesterday and got the 3%. I used payusatax. On a side note it appears I'm already able to redeem the 3% back.
by Laundry_Service
Thu Jan 04, 2024 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you bank and why? 2024 Edition
Replies: 113
Views: 14719

Re: Where do you bank and why? 2024 Edition

Fidelity in a money market and Bank of America for B&M branches and their Preferred Rewards program
by Laundry_Service
Sun Dec 31, 2023 3:21 pm
Forum: Personal Consumer Issues
Topic: Alternatives to writing checks for gifts, bill payments, etc
Replies: 25
Views: 3052

Re: Alternatives to writing checks for gifts, bill payments, etc

With Fidelity I have an outgoing funds account which is a Cash Management account that I use to pay day to day expenses and outgoing ACH. This account is separate from my deposit account where the half dozen or so clients I work for deposit payment to me. If my outgoing account gets compromised it's no big deal and I'll cancel and redo the handful of ACH accounts.

You could also get a Cashiers check or a money order if you can't use online bill pay. For gifts what about cash or Zelle? This also gets the outstanding check issue cleared if someone doesn't deposit for a long time.
by Laundry_Service
Sun Dec 31, 2023 2:54 pm
Forum: Personal Consumer Issues
Topic: Radiator Flush [cost question]
Replies: 14
Views: 1641

Re: Radiator Flush [cost question]

Something I do think is of value is a transmission fluid "drain and fill", not flush. This gets a lot of the fluid out and will likely extend the life of a transmission. Have to make sure you get the correct fluid or you risk issues. In your case with the low miles I wouldn't worry about transmission fluid but I'd consider looking online how to do some visual checks of the fluids under your hood including power steering and brake fluid.
by Laundry_Service
Sun Dec 31, 2023 5:10 am
Forum: Personal Consumer Issues
Topic: What vehicle to carry bikes in on vacation?
Replies: 30
Views: 3005

Re: What vehicle to carry bikes in on vacation?

Are you looking to buy or rent? How often do you go on vacation where this is an issue or is this something you'll be dealing with several times a month. You mentioned losing 1/3 of your range with electric vehicle, is this a problem or just something to plan around? I'm not a big believer in spending a bunch of money on a vehicle for something that you'll infrequently use and could be solved with an inconvenience or rent another vehicle a few days a year.

Is the issue only getting from home and to the vacation destination and packing up on the last day or is moving the bikes multiple times a day something that happens?
by Laundry_Service
Tue Dec 05, 2023 6:58 am
Forum: Personal Consumer Issues
Topic: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?
Replies: 69
Views: 7642

Re: Getting first real "career" opportunity and will be traveling a lot for work. How should I prepare?

GuySmiley wrote: Wed Nov 29, 2023 7:03 pm Fair points. I switched from Marriott to Hilton years ago, cannot for the life of me remember why. I looked at Marriott again recently and apparently I have Lifetime Gold status with 10 prior years of Platinum, it's all a blur :oops:. Maybe I switched due to perceived points value.
You probably aren't far from lifetime platinum, since you have the 10 years, if you care. FYI you can get the free Chase Marriott Bonvoy card and get 15 night credits per year and you can get 15 from the AMEX business Bonvoy but that's 125 per year but you get a free night on anniversary.
by Laundry_Service
Mon Nov 20, 2023 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Using Symantec VIP Access at Fidelity
Replies: 53
Views: 6253

Re: Using Symantec VIP Access at Fidelity

I have also been using the VIP converter for years and currently using OTP Auth for my phone and desktop.
by Laundry_Service
Sun Nov 12, 2023 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America promo: extra 2%/2x credit card rewards [Updated later in thread for Nov 9, 2023]
Replies: 268
Views: 30156

Re: Bank of America promo: extra 2%/2x credit card rewards [Updated later in thread for Nov 9, 2023]

I paid part of my federal estimated taxes and everything credited correctly but my state tax estimated payment shows up as a 11/10 posting day even though I paid at 4:14PM ET. Will check in after a couple of weeks and see if everything is corrected.
by Laundry_Service
Sun Nov 05, 2023 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 871
Views: 162133

Re: Pay Federal Tax via Credit Card ? Anyone ?

TheRoundHeadedKid wrote: Wed Oct 11, 2023 11:51 pm Also it takes PayPal. PayPal Mastercard has a 3% cashback when using PayPal and 2% back on everything else. So 3% minus the 1.85% credit card processing fee will net 1.15% cashback. Even better yet, if you have the Chase Freedom (the original) or the Chase Freedom Flex, for this quarter (Q4, 2023) you can get 5% on PayPal payments on up to $1500 of spend. Just remember to activate the bonus beforehand. That is a net of 3.15% cashback.
Have you used the PayPal card to pay taxes? Just to confirm there are no issues. I just saw the 3% cash back this morning and did a search and found this post. Currently using BofA 2.625% to pay estimated taxes.
by Laundry_Service
Wed Aug 16, 2023 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How long of a hold for paper EE bonds deposited in person (Bank of America)
Replies: 5
Views: 456

Re: How long of a hold for paper EE bonds deposited in person (Bank of America)

OK, yikes! Hopefully that will all sort itself out without intervention, but IDK for sure. Perhaps BofA is a bit tricky in how they display 'available balance'? Fidelity sure is, you have to dig a bit to find out how much you can actually withdraw vs other things--they'll show immediate 'availability' but not really mean it. We’ll see what happens. The money isn’t spent and I don’t fidelity will charge me a fee if there is a problem and I hope Bank of America will take care of any issues on their end. Just curious if I am missing anything obvious. From what a read only it appears that the first 5000 or so much be immediately available from a government check or cashed bond. I’ll keep you posted. That’s a little over $6 a day keeping the mo...
by Laundry_Service
Wed Aug 16, 2023 9:34 am
Forum: Personal Finance (Not Investing)
Topic: How long of a hold for paper EE bonds deposited in person (Bank of America)
Replies: 5
Views: 456

Re: How long of a hold for paper EE bonds deposited in person (Bank of America)

bd7 wrote: Wed Aug 16, 2023 9:30 am Where do you see the hold? If Fidelity says the funds availability is 8 days and BA/Merrill shows the deposit and withdrawal already, the hold is placed by Fidelity--and this is something they routinely do for inbound transfers initiated with them (pulled).
Sorry - The hold at Bank of America and shows my BofA checking account at -41k.
by Laundry_Service
Wed Aug 16, 2023 9:10 am
Forum: Personal Finance (Not Investing)
Topic: How long of a hold for paper EE bonds deposited in person (Bank of America)
Replies: 5
Views: 456

How long of a hold for paper EE bonds deposited in person (Bank of America)

Hello. I deposited 2 fully mature EE bonds at a brick and mortar Bank of America branch. Everything went find and the receipt the newly deposited funds as part of my available balance. I pulled money from that checking account to my Fidelity brokerage the same day. I woke up today and see a hold until 8/24 - 8 days from today. Is this normal and since this was going into a margin account at Fidelity what will happen?

FYI the bonds total value was a little less than 50k and I had ~$3 in my checking account before deposit. Also shouldn't matter but I'm "platinum honors" and have a mid 6 figure retirement account at Merrill Edge
by Laundry_Service
Fri Aug 11, 2023 10:55 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337893

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Mike14 wrote: Tue Aug 08, 2023 10:32 pm Wells Fargo WellsTrade: Has anybody figured out a way to get fractional mutual fund shares out (all that's left is 0.xx shares), without paying their enormous fees or doing a full account transfer?
Perhaps call and ask a broker to sell or it may just work itself out. I can't figure out how to transfer cash out of my WellsTrade account. I can easily transfer in but cannot select my brokerage account as a source for funding.
by Laundry_Service
Mon Aug 07, 2023 5:57 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337893

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Did the Etrade offer just go away? Link now not working.
by Laundry_Service
Mon Aug 07, 2023 12:16 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337893

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

boxspreads wrote: Mon Aug 07, 2023 10:12 am Has anyone managed to get this without opening a new account.
I used to be able to do that by calling ETrade, and they'd sign me up for the promotion, but lots of information on this thread says they're not doing promotions over the phone.

Already have a Roth with them, and would like to avoid having a host of empty IRA's if possible.
Also curious. I currently have a solo 401k and the remnants of a taxable brokerage account with 100 bucks. I have less than $1mm in etrade to get the extra bonus for existing accounts but looks like the sweet spot may be $1800 for $500k. If I am understanding correctly looks like I may need to open a new taxable brokerage account and not contribute to my existing taxable brokerage account.
by Laundry_Service
Sun Aug 06, 2023 10:40 am
Forum: Personal Consumer Issues
Topic: Getting rid of my wallet?
Replies: 101
Views: 10639

Re: Getting rid of my wallet?

bradinsky wrote: Sun Aug 06, 2023 10:31 am Your Costco card is available on the Costco app.
If I could get Costco gas and pay with a different credit card using the app I would ditch carrying my Costco Visa.
by Laundry_Service
Sat Aug 05, 2023 10:33 pm
Forum: Personal Consumer Issues
Topic: Getting rid of my wallet?
Replies: 101
Views: 10639

Re: Getting rid of my wallet?

https://www.amazon.com/Chums-Surfshort- ... 179&sr=8-5

This wallet is very thin and has 2 pouches and also has a clear pouch which I didn't want but it's not bad. I can keep up to 8 or 9 cards and a little bit of cash folded up. For me, this is almost perfect. I've had for about a year and has held up remarkably well.

I also have a phone holder that I use to carry 2 credit cards and a drivers license so I typically don't even need to carry a wallet
by Laundry_Service
Sat Aug 05, 2023 7:29 pm
Forum: Personal Consumer Issues
Topic: Best Place to Live in South Carolina?
Replies: 66
Views: 7242

Re: Best Place to Live in South Carolina?

Upstate SC (Greenville, Spartanburg and surrounding areas) are nice and there can be stunning mountain views. You're in much better shape with hurricanes and typically infrequent snow and ice. Lots of interstate access and several hours away from Charlotte, Atlanta and the coast. The Beaufort, Charleston and everywhere along the coast is obviously very low lying and could have a rough go of things if a storm were to get close. Normal flooding also seems to have increased and regularly happens with the cycle of the moon even without rain. This obviously isn't everywhere but there are places where it happens all the time and seems to be getting more significant. Hilton Head seems to be a constant traffic jam but that could have also been my t...
by Laundry_Service
Sat Aug 05, 2023 10:53 am
Forum: Personal Consumer Issues
Topic: Verizon router (3100) losing "reach" - why might this be happening?
Replies: 10
Views: 799

Re: Verizon router (3100) losing "reach" - why might this be happening?

You can also try a factory reset. That router also has a ethernet port and if someone were interested they could add another wifi access point or router that may work better. Not saying you should have to do this, but may be an option.
by Laundry_Service
Thu Aug 03, 2023 11:15 am
Forum: Investing - Theory, News & General
Topic: Is there a resource that shows popular MMF 7 day yields in one place?
Replies: 2
Views: 512

Is there a resource that shows popular MMF 7 day yields in one place?

This is outside of my expertise but is there a Google sheets formula or way to show popular money market fund 7 day yields. Ideally would also show where you can purchase with no transaction fee. I have accounts at several brokerages and there is no bother moving funds around for the best yield.
by Laundry_Service
Thu Jul 20, 2023 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 7041
Views: 879028

Re: Bank of America/Merrill Edge - Preferred Rewards

tj wrote: Sat Jul 15, 2023 3:23 pm
2.625% is more than 1.9%
And if you time things right you can take advantage of the grace period and get an interest free loan for almost 2 months.
by Laundry_Service
Tue Jul 11, 2023 1:19 pm
Forum: Personal Investments
Topic: SGOV vs mm in a taxable account
Replies: 7
Views: 926

Re: SGOV vs mm in a taxable account

I've been using SGOV at brokerages where I've gotten a bonus and have small amounts of cash from dividends or interest and a sweep or good money market account is not available.
by Laundry_Service
Sun Jul 09, 2023 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America business credit card auto pay and ebills
Replies: 12
Views: 1222

Re: Bank of America business credit card auto pay and ebills

OP here. I also have 5 cards on the personal account side and as convoluted as the system is have had no problems, only on the business side. I also usually pay out of my fidelity account but if I have some credit card rewards sitting in my BofA checking account I'll adjust to pay from there. Will call on Monday. Thanks for the tips.
by Laundry_Service
Sat Jul 08, 2023 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America business credit card auto pay and ebills
Replies: 12
Views: 1222

Bank of America business credit card auto pay and ebills

For those familiar with the Bank of America antiquated credit card payment system I'm having a bit of an issue with the automatic payments on my business card. I can't get Bank of America to send the ebills through the portal. I sign up for ebills and when the next month comes around nothing happens, like I never signed up for them. Has anyone here had any experience with this issue?

I should probably call but I often times get better info from this site.
by Laundry_Service
Mon May 08, 2023 5:26 pm
Forum: Personal Investments
Topic: Megabackdoor Roth 401k
Replies: 8
Views: 871

Re: Megabackdoor Roth 401k

Here are the summary plan bullet points for what I saw as relevant to Megabackdoor Roth. Sorry - I know its a lot to read. What Contributions can you make to the Plan? Provided your Employer permits you to do so, the Plan will allow you to make Elective Deferrals to the Plan in accordance with the “Elective Deferral 401(k) Arrangement Section”. “Highly Compensated” employees of a Local Union are not eligible to make Elective Deferrals. In addition, participants may also contribute non-deductible (after-tax) additional funds directly to the 401(k) Plan simply by making a payment to the Plan. When am I eligible to make After-Tax Contributions into my Account? You are eligible to make non-deductible (after-tax) contributions to your account un...
by Laundry_Service
Mon May 08, 2023 3:20 pm
Forum: Personal Investments
Topic: Megabackdoor Roth 401k
Replies: 8
Views: 871

Megabackdoor Roth 401k

I have several employers and 401k plans including a solo 401k available. One of my plans allows voluntary after tax non deductible contributions and the provider (or me) seems to be confused. They are saying that I can only contribute up to 22500 in aftertax voluntary contributions and no more and also doesn't want me to contribute until the end of the year and they say that employer match counts against this limit. I do not plan to contribute any employee contributions to this plan as to maximize my after tax contributions. Without employee contributions should I be allowed to contribute: 66000 or total w2 labor worked - whichever is lower - employer contribution Am I allowed to contribute the 22500 in emoployee contribution to another pla...
by Laundry_Service
Sat Apr 29, 2023 8:40 am
Forum: Investing - Theory, News & General
Topic: How many are holding cash right now?
Replies: 203
Views: 31080

Re: How many are holding cash right now?

I'm about 12% cash now and sold a good bit of individual mega cap tech shares expecting a drop. So far I have not been correct.
by Laundry_Service
Wed Mar 22, 2023 2:10 pm
Forum: Personal Investments
Topic: Purchasing rental equipment in a self directed IRA or Roth IRA
Replies: 2
Views: 372

Re: Purchasing rental equipment in a self directed IRA or Roth IRA

From what I am reading I think I would be okay but am looking for people to tell me the flaws. I work for company A and get a w2 timesheet or 1099 nec for labor. Company A also pays me or could be another company for the use of the equipment, some use a Llc for this already but I am a sole proprietorship. I can also send multiple invoices depending on the gear owned or the gear the self directed Ira can own. What I can tell from the surface is that any equipment that i would charge for in the self directed Ira I would need to purchase from an unrelated 3rd party like a retailer. This is no problem. None of the equipment currently owned by me could be used or sold to the self directed Ira. I would generally be operating this equipment but ma...
by Laundry_Service
Wed Mar 22, 2023 12:21 pm
Forum: Personal Investments
Topic: Purchasing rental equipment in a self directed IRA or Roth IRA
Replies: 2
Views: 372

Purchasing rental equipment in a self directed IRA or Roth IRA

Is it possible to purchase rental photo equipment in a self directed Ira and keep the profits inside the Ira? I am also hired by clients but paid 1099 for equipment and w2 for labor.
by Laundry_Service
Mon Jan 30, 2023 9:20 am
Forum: Personal Investments
Topic: 401k contribution choice: w-2 or solo401k
Replies: 9
Views: 825

Re: 401k contribution choice: w-2 or solo401k

Lock wrote: Sat Jan 28, 2023 2:57 pm
Laundry_Service wrote: Sat Jan 28, 2023 2:35 pm Can you not contribute employee match through your w2 and employer match only through you solo401k?
Yes this is an option, but is it optimal from a tax perspective?
I believe it would be optimal since it wouldn't reduce your QBI, no? Also getting a match if your W2 employer provides one.
by Laundry_Service
Mon Jan 30, 2023 9:20 am
Forum: Personal Finance (Not Investing)
Topic: How much will you get as Costco Citi reward this year?
Replies: 112
Views: 16443

Re: How much will you get as Costco Citi reward this year?

$38, but have spent a lot more on my BofA cards.
by Laundry_Service
Sat Jan 28, 2023 2:35 pm
Forum: Personal Investments
Topic: 401k contribution choice: w-2 or solo401k
Replies: 9
Views: 825

Re: 401k contribution choice: w-2 or solo401k

Can you not contribute employee match through your w2 and employer match only through you solo401k?
by Laundry_Service
Sat Dec 24, 2022 6:31 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7737
Views: 1337893

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Makaveli wrote: Wed Dec 21, 2022 10:39 am $10,000 bonus has been deposited.
Thanks for the update. In the middle of a transfer to Public now. Not a huge fan of what I’ve seen on Public so far but will be happy to take the $10k once everything settles.
by Laundry_Service
Tue Dec 20, 2022 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 7041
Views: 879028

Re: Bank of America/Merrill Edge - Preferred Rewards

nalor511 wrote: Fri Dec 16, 2022 1:55 pm I think the question is, has anyone successfully gotten the bonus twice, once in an IRA, and once in a CMA?
I have gotten the $1000 250k bonus in a taxable brokerage account and a Roth IRA within a month of each other in 2021 and pulled everything out after my obligations. I received a $1000 250k bonus only a new Roth account 2022 and have pulled it out once again. Going to try to get taxable brokerage and Roth bonuses again in March or April 2023.
by Laundry_Service
Wed Dec 14, 2022 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 7041
Views: 879028

Re: Bank of America/Merrill Edge - Preferred Rewards

bbrock wrote: Wed Dec 14, 2022 12:39 pm Good point Suz. To have a longevity plan, then it is best to get a CCR and UCR in her name then as well.

I just changed our both our ROTH IRA to 100% VTI (previously had some VGIT in there). Her balance is ~$117k, mine $157k. This will meet the $101k level for PH, however with the ROTH IRA all equity there will definitely be volatility. Any thoughts on how to manage this one. Or, is it better to let the market do as the market shall and get the card(s) anyway and deal with it then; if one of us loses PH for a little while... then so be it.
If you drop below $100k you can make up the difference in your checking account.
by Laundry_Service
Tue Dec 13, 2022 6:40 am
Forum: Personal Investments
Topic: Investing in Your Own Business
Replies: 17
Views: 1975

Re: Investing in Your Own Business

I think like a lot of things in life you're best off focusing on the easy decisions and low hanging fruit on business cost savings. Las year I was able to purchase a piece of equipment for $8k that I had been leasing on a per use basis from a vendor for ~25k per year. That's a very easy decision and has given me an excellent ROI. On a side not I would have done this many years before had my rep told me for years that the equipment was lease only. If I buy a $75k vehicle instead of a $50k vehicle that has similar functionality I would be making a lot less from the $75k vehicle. I like to invest in things that will save me time, give me a better product, reduce injuries and increase safety, take up less space than replacement, reduce headache...
by Laundry_Service
Sun Nov 27, 2022 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Staying Organized Across 10 Accounts
Replies: 17
Views: 1929

Re: Staying Organized Across 10 Accounts

I also use a Google Sheets form that updates in real time.
by Laundry_Service
Wed Nov 23, 2022 2:52 pm
Forum: Personal Consumer Issues
Topic: Cost to heat outdoor Jacuzzi in Winter
Replies: 23
Views: 2040

Re: Cost to heat outdoor Jacuzzi in Winter

I don't have an answer to your question but if possible post the increase in kWh on your recent bills. Once you figure out the increase in usage call the manufacturer and ask what they think and if they have any suggestions.
by Laundry_Service
Thu Sep 15, 2022 9:54 am
Forum: Personal Investments
Topic: Tax considerations when selling off ETFs in taxable account
Replies: 2
Views: 495

Re: Tax considerations when selling off ETFs in taxable account

I have no clue how things work when you leave the country. Do you have income now? Will you have income next year? If you don't have income in the USA next year perhaps you will pay very little on the gains next year. You can realize your losses to offset your gains.
by Laundry_Service
Thu Sep 15, 2022 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected Significant Increase in Estimate Tax
Replies: 4
Views: 655

Re: Unexpected Significant Increase in Estimate Tax

If you have W2 withholdings and also RMD tax withholdings I believe they are treated the same if they are withheld on 1/1 or 12/31. Normally you have to make estimated payments every quarter but this may help you dodge some penalties. Confirm with your accountant.
by Laundry_Service
Thu Sep 15, 2022 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 7041
Views: 879028

Re: Bank of America/Merrill Edge - Preferred Rewards

Like many here, I have the UCR and CCR combo. My CCR is set to online purchases. I had a sudden travel need, and made an online purchase for airline tickets. I was not sure how the CCR would categorize the purchase ("online" or "travel") and defaulted to UCR to get at least 2.56%. When I see the details on BoA's Web site, I see Merchant description: TRAVEL AGENCIES Transaction Category: Travel: Travel Online Purchase: Y Am I correct in assuming that ANY "Online Purchase" would have triggered the CCR bonus, regardless of what the "Transaction Category" says? I have found some discrepancies such as if I use Walmart pay at a Walmart Supercenter that my purchases are normally coded as an online purchase ...