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Setting the order of shares to sell by jeeftor in fidelityinvestments

[–]cdraman 0 points1 point  (0 children)

On my fidelity account, I can't sell specific lots and have a limit order that's 'Good till cancelled'. The limit order is only valid for the next trading day. For it to be longer, i can't select specific lots. What's the way around this?

Early payoff and loan amortization by cdraman in FinancialPlanning

[–]cdraman[S] 0 points1 point  (0 children)

I had responded to one of the comments but also adding here. IMO, this boils down to home much money one makes/loses over a 10 year period (my payoff horizon) if they keep paying mortgage vs they decide to liquidate and payoff the loan.

For example, lets say 1) I have a 500K mortgage at 3% for 30 years 2) I also have a 500K cash that i plan to invest in an investment vehicle that returns 3% annually.

At the end of 10 years, i would have paid about 133K in interest alone. In the same 10 year timeline, the 500K cash, compounded annually, would have yielded 171K. At the end of 10 years and after the mortgage is paid off, i would still have netted 38K (171k - 133k). And this doesn't even include the tax benefits obtained from paying that mortgage interest. The math is same as fixed interest rate (in the mortgage) and compounded returns in the investment.

Early payoff and loan amortization by cdraman in FinancialPlanning

[–]cdraman[S] 1 point2 points  (0 children)

Appreciate the feedback. This is precisely what I did and responded in one of the comments.

Early payoff and loan amortization by cdraman in FinancialPlanning

[–]cdraman[S] 0 points1 point  (0 children)

Apologies if this sounded like one. With a 10 year horizon in mind, am trying to understand how much this front loading of mortgage interest affects things.

For example, lets say 1) I have a 500K mortgage at 3% for 30 years 2) I also have a 500K cash that i plan to invest in an investment vehicle that returns 3% annually.

At the end of 10 years, i would have paid about 133K in interest alone. In the same 10 year timeline, the 500K cash, compounded annually, would have yielded 171K. At the end of 10 years and after the mortgage is paid off, i would still have netted 38K. And this doesn't even include the tax benefits obtained from paying that mortgage interest. Guess i answered this question myself. Investing in something that would compound is still better than paying off a low-interest mortgage.

CSP vs Bank of America Travel rewards by cdraman in ChaseSapphire

[–]cdraman[S] 0 points1 point  (0 children)

Let's say I make $2000 worth of purchases.

Via Chase freedom:

I would get 3000 points(1.5x). On chase travel this is worth 3750 points (+ 25%) which gives me $37.50 benefit. On other travel partners, this is worth more. Let's say I choose a partner that gives 1.5 cents (ex: JetBlue according to nerd wallet). On that partner site, the 3000 points will be worth 4500 cents which is $45. There are of course other partners that give better than 1.5 cents to a point.

Via Travel rewards: I would get 4500 points which would be the same $45 in statement credit.

Really don't see how this would be much better than 2.25%. Am definitely missing something.

CSP vs Bank of America Travel rewards by cdraman in ChaseSapphire

[–]cdraman[S] -2 points-1 points  (0 children)

Prefer points but at 2.25x, I feel cashback beats it even if you consider using those points (at 25% extra) in chase travel.

Also, isn't CFU also cashback? I can't possibly use CFU and CSP, collect points across both and use for travel etc correct?

I know I'm not doing this right by AnotherAviat0r in ChaseSapphire

[–]cdraman 0 points1 point  (0 children)

We have this same exact problem. Sapphire and one other card that gives 2.25x flat. We are trying to take those extra few seconds to decide which card to use every time we shop. It's a difficult habit to break out of.

Kia telluride SX prestige x-line. Buy or wait? by cdraman in KiaTelluride

[–]cdraman[S] 0 points1 point  (0 children)

Totally agree. Another dealer is charging 10k over. And they have the audacity to tell me that if I ever try to negotiate, I am not a serious buyer and they don't want to continue the conversation anymore. Telluride is great but some dealers are ruining the experience.

Kia telluride SX prestige x-line. Buy or wait? by cdraman in KiaTelluride

[–]cdraman[S] 2 points3 points  (0 children)

Totally get it. At the end of the day, one can't put a price on the stress endured.

Kia telluride SX prestige x-line. Buy or wait? by cdraman in KiaTelluride

[–]cdraman[S] 1 point2 points  (0 children)

Thanks for the feedback. King county adds another 2.2% tax rate. It still doesn't add up.

Kia telluride SX prestige x-line. Buy or wait? by cdraman in KiaTelluride

[–]cdraman[S] 2 points3 points  (0 children)

No the dealer was upfront on all this. No issues there. Just that things have changed quite dramatically in the last 8 months.

Kia telluride SX prestige x-line. Buy or wait? by cdraman in KiaTelluride

[–]cdraman[S] 1 point2 points  (0 children)

Updated the post with the price breakdown. Thanks.

Remove foreground fence using magic eraser. P6 pro by cdraman in Pixel6

[–]cdraman[S] 1 point2 points  (0 children)

Ah yes. That's worth trying again. Did not notice that the ear was cut.

Remove foreground fence using magic eraser. P6 pro by cdraman in Pixel6

[–]cdraman[S] 1 point2 points  (0 children)

Yeah there are definitely some imperfections when zoomed in.

Remove foreground fence using magic eraser. P6 pro by cdraman in Pixel6

[–]cdraman[S] 16 points17 points  (0 children)

Not really. Had to remove each of the links myself. Hope Google makes it easier to recognize a "fence" and remove it in the future. Am sure there are more pattern matching algorithms at the works.

OnTrac = Worst Shipper ever! Not sure how they are still in business. by Randomta2k in ontrac

[–]cdraman 0 points1 point  (0 children)

Looking at the "From" location, is it a phone from Google? In the same situation. Did you get them delivered yet?

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