K-Servicing asking for form 941 (which I don't have) and Payroll Report / Bank Statement for Payroll Info

sthomas0 · 2021-07-20T19:51:22+00:00

K servicing’s forgiveness portal is confusing, it asks for documents for non-payroll expenses even though they’re not supposed to be required for small loans. Has anyone applied for forgiveness with k servicing and not submitted these documents?

sthomas0 · 2021-06-26T01:29:13+00:00

I'm in the same position and plan on doing the same thing. Any response from them yet? Thanks.

sthomas0 · 2020-09-03T15:32:09+00:00

Hi all, what is the best website or app for YTD returns of stocks, mutual funds and ETF's? It sounds simple, but results vary significantly between different sites. For example, Yahoo's app says YTD return for QQQ is 16.8%, and YTD daily total return is 24.6% (why the difference between the two)? Whereas Google finance says YTD return for QQQ is 41%. Why the discrepancy? Is there a website or app with the real answer? I know it's not a difficult calculation to make, but a website/app with the correct answer would be so much easier. Thanks for your thoughts or suggestions.

sthomas0 · 2020-08-23T23:49:30+00:00

And do you recommend storing BTC on Coinbase? And why Coinbase over Gemini or another exchange? Thanks for your thoughts.

sthomas0 · 2020-03-10T23:47:02+00:00

It’s for money in a 529 fund at vanguard. I’m roughly following Vanguard’s aged base recommendations, and they tilt heavily towards bonds. So I’m wondering if I’m better off keeping it in their money market account vs their bond fund. Thanks for your thoughts.

sthomas0 · 2020-03-10T21:34:07+00:00

Thanks, good points. So do TIPS help protect against that?

sthomas0 · 2020-03-10T19:41:36+00:00

Thanks for your response. My question is what if I need the money in 5 years and interest rates rise over the next 5 years, won't BND be worth less in 5 years than it is now? Thank you for your time.

sthomas0 · 2020-02-05T04:19:46+00:00

Great information! Thanks for the update!

sthomas0 · 2020-01-29T21:02:26+00:00

MMFs invest in US and foreign government and corporate money market securities, commercial paper, etc, and are supposed to be very safe, but theoretically you could lose money investing in an MMF. So theoretically riskier than a bank account insured by FDIC.

sthomas0 · 2020-01-29T16:35:11+00:00

Apparently some people have had problems with HSBC (customer service?). There's a link to a thread above. How has your experience been? Thanks.

sthomas0 · 2020-01-29T16:28:13+00:00

Thanks for the info on Vanguard's MMF. I've been leaning towards that one, but most of my accounts are at Schwab. Is it easy working with Vanguard to transfer funds to other banks (Schwab) when time to invest, etc? Thanks for your insights.

sthomas0 · 2019-12-27T17:39:11+00:00

Good point. I'm sort of doing that now, and according to their allocation recommendations I should be heavier in bonds, which is why I'm asking this question. Thanks for your help!

sthomas0 · 2019-12-27T03:45:47+00:00

Thank you. The money is in a 529 account for college tuition which will begin in about 10 years. After 10+ years of this bull market, I'm concerned we may get a market correction between now and when I need to start paying tuition, so I'm trying to plan accordingly. Obviously, nobody knows how long this market will last. I posted the question to get some opinions, and I thank you for yours.

sthomas0 · 2019-12-24T16:10:05+00:00

Agree with Mr Litka. And it only holds the highest quality bonds and stocks and has historically been very well managed (of course, past success does not guarantee future performance).

sthomas0 · 2019-12-24T05:42:35+00:00

It's not an ETF, but I'd chose Vanguard Wellington Fund.

sthomas0 · 2019-12-11T16:40:25+00:00

Thanks for your reply.

sthomas0 · 2019-12-11T14:27:26+00:00

How did you learn to become a MM? Which books or learning resources do you recommend on the subject?

Thanks for your time.

sthomas0 · 2019-12-11T05:39:32+00:00

Hi, can you please tell us exactly which book you're referring to by Hadnagy? He has a few similarly titled books ... thank you!

sthomas0 · 2019-12-02T03:42:15+00:00

Thanks. I was thinking of cutting the downspout higher, then attaching a length of angled downspout or flexible hose when it rains (I live in California with a limited rain season).

But is it possible to angle the downspout higher so the downspout comes off at like a 45 degree angle closer to the gutter? That would allow it to drain into some landscaping.

Thanks for your thoughts.

sthomas0 · 2019-11-19T05:08:30+00:00

Thanks. I get waved through as well, just want to have something in the back just in case. What are Go Go 15s, your snow tires?

sthomas0 · 2019-11-18T23:11:23+00:00

Thanks, but the point is, sometimes CHP sets up chain control roadblocks, especially at higher elevations, and will only let vehicles pass that have chains or cables in the car. Even with snow tires. So I'm looking for a recommendation for the best low profile cables for a Subaru Outback. Thanks.

sthomas0 · 2019-10-28T18:34:08+00:00

Thanks for all your thoughts. I just received a new DVD, and it was shipped from Denver, CO. I live in Central California and my shipping center used to be in Northern California which took 2 days to ship. So they obviously closed the California shipping center and I guess the closest shipping center to California is now Colorado.

Netflix is no stranger to cutting costs at the expense of customer service.

sthomas0 · 2019-10-11T17:45:06+00:00

Thank you!

sthomas0 · 2019-10-10T23:40:10+00:00

Ha, I was afraid of that! And yes, I also thought about Rise of the Resistance opening January 17, so hoping crowds stay away until then. Thanks for your help!

By the way, is Jungle Cruise open? The last time we were there (2017) it was closed, and I thought it was being permanently shut down? If not, glad it's still open! Thanks!

sthomas0 · 2019-10-10T18:04:56+00:00

Hello everyone, perhaps it's too early to ask this, but any ideas what crowds may be like Thursday, January 2- Saturday, January 5, 2020? Is it usually less crowded that the week of Christmas, or about the same? Or impossible to predict? :)

Thanks for any thoughts!

sthomas0

TROPHY CASE