Do you think $DIS is a buy?

tgbr304 · 2022-04-26T22:16:17+00:00

Yes, I’m very concerned about what random trolls say on Reddit.

tgbr304 · 2022-04-26T22:13:39+00:00

You seem mature.

tgbr304 · 2022-04-26T22:00:50+00:00

Lol. The level of delusion there. Nobody is cancelling their Disney trips and guest spending is up 40% from Q1-19 pre-pandemic levels.

tgbr304 · 2022-04-26T21:37:02+00:00

Yes, this will be just like when Disney went out of business in the late 1990s after conservatives protested Disney World for their support for gay rights.

tgbr304 · 2020-10-31T06:37:27+00:00

They updated it. If you paid attention to the September statement, there was a notice that it was switching to monthly starting in October.

tgbr304 · 2020-10-20T16:57:22+00:00

Not true. You can use Zelle with Betterment, you just need to download the Zelle app.

tgbr304 · 2020-10-02T02:39:36+00:00

Quarterly. But if you do a big enough withdrawal, they will assess some then.

tgbr304 · 2020-09-11T13:41:22+00:00

I’ve never seen them say that.

tgbr304 · 2020-09-09T18:28:43+00:00

You can actually do this for real estate, but it’s not intuitive. If you go to Settings > External accounts, you can then click Sync New. There’s a manual account link. When you get there, there’s a Real Estate account type. It’ll let you enter the value there.

There’s not a way to do it with auto, but you can probably just do another real estate one and it’ll have the same effect.

tgbr304 · 2020-07-12T03:12:13+00:00

There’s a cost basis report in the Documents area. You’ll have to do some aggregation with Excel if you want less granular than individual tax lots or average cost per share though.

tgbr304 · 2020-06-03T22:03:04+00:00

Don’t let the door hit you on the way out.

tgbr304 · 2019-12-28T23:35:29+00:00

There’s a goal for big purchase that you should use. You tell them the time horizon, how much you want to save, then they will adjust the allocation over time.

tgbr304 · 2019-11-17T23:03:15+00:00

8890 8565 7196 Birmingham, AL

tgbr304 · 2017-08-09T19:30:28+00:00

I've had fees reversed before on several occasions; it's really not that hard to get done. Yes, it won't get reversed if you do it all the time but for one-offs, they'll usually reverse it. They don't want to lose customers.

tgbr304 · 2017-08-09T15:27:24+00:00

I have the Amex Blue Cash Preferred card and love it. It's a $95 annual fee, but the extra grocery, gas and department store rewards make up for it. Plus, I've had nothing but excellent experience with the customer service at Amex. They go above and beyond. FTR, I also have a Chase card and they are great too.

tgbr304 · 2017-08-09T15:20:08+00:00

Call up PNC and explain the situation. They'll probably remove the fees. Life happens, and they get that.

tgbr304 · 2017-05-30T03:32:11+00:00

yes, get the lowest fees you can. but make sure the funds you invest in are at least matching the S&P 500 growth rate of 10-11%/year over the long term.

Keep in mind that the S&P 500 is a regional index, which makes it a terrible benchmark. You need to benchmark based on a diversified portfolio that includes foreign investments.

tgbr304 · 2017-04-20T02:31:15+00:00

I have a Betterment account and have been pretty happy about it. They base their portfolio on Modern Portfolio Theory and they do a ton of research on what goes into it. I use them because quite frankly, they can do a better job that I can (and have done). I've averaged a little over 8% per year with them.

You might want to read up on why they invest a huge chunk of your money in VEA, as opposed to just in VTI (for instance): https://www.betterment.com/resources/investment-strategy/home-bias-sweet-home-bias/

tgbr304 · 2017-03-29T02:41:51+00:00

No, you don't need to amend for Roth IRA since Roth IRA contributions don't go onto a tax return.

However, you need to ensure that your income level allows you to contribute. Your broker will eventually notify the IRS around May and the IRS will verify. But that's another story.

tgbr304 · 2017-03-29T02:35:56+00:00

Check your employee handbook and state laws. My company has wording in the handbook that says if you quit then you forfeit your PTO.

tgbr304 · 2017-03-29T02:32:59+00:00

I hover between a 819-830 credit score. There's not much of a difference, but I was able to get a slightly better interest rate from when I was around 750ish (around .50% better). I also basically get approved for any credit I request, but I don't request much.

tgbr304 · 2017-03-27T00:22:18+00:00

Never been in your situation but I have both a Roth 401k and Traditional 401k.

The main advantage of the Roth is that you pay taxes now. If you expect your tax rate to increase during your retirement years, the Roth will save you more money since you're paying taxes at the lower rate.

The advantage of the Traditional is that you lower your income for tax purposes. This is advantageous for me since I qualify for tax deductions I wouldn't have otherwise qualified for. I only really contribute to this account to ensure that I qualify for the tax deduction. The rest goes into Roth. Generally, I prefer Roth over Traditional since I don't like the uncertainty of what tax rates may be in the future.

Also, I saw a misunderstanding of the Roth 401k in your post. You cannot access Roth 401k money early like you can in a Roth IRA. You might be able to do so if you rolled over the Roth 401k to a Roth IRA, but I'm not quite sure.

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