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by AAA
Tue May 19, 2015 11:12 am
Forum: Forum Issues and Administration
Topic: why they requires my username and pass word
Replies: 8
Views: 1354

Re: why they requires my username and pass word

I'm using Safari on a Mac and sometimes, not always, I am asked to log in again. I check "keep me logged in," or whatever the wording is, and do not delete cookies in-between.
by AAA
Sun May 17, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

I love the idea that apple innovates so quickly, and so much faster than other companies, that their products are obsolete in 2-3 years. All my stuff is from Apple - laptops, iPods, Apple TV etc. - but I really don't get all the hype about how innovative Apple is. There were smartphones, MP3 player...
by AAA
Sat May 16, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6503

Re: Aren't we overdoing electronic auto safety features?

I'm all for safety, however, but I'm not sure that I trust software-based automatic systems very much. Maybe I've got this wrong, but my understanding is that you can't buy a new car today that doesn't have a software controlled engine and braking system. True, computers play a big role in cars tod...
by AAA
Fri May 15, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: A/C Service Deals
Replies: 11
Views: 815

Re: A/C Service Deals

When we got our new unit a few years ago, it came with a 10-year warranty. I asked the salesman whether the warranty required any kind of annual maintenance and he said no. (That didn't stop the company from sending us mailings suggesting an annual checkup). So my approach has been to make sure that...
by AAA
Fri May 15, 2015 7:34 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6503

Re: Aren't we overdoing electronic auto safety features?

As cars become more and more similar, which they seem to be doing, manufacturers tend to add more "technology" to differentiate their products. A lot of it I don't really care about. I'm all for safety, however, but I'm not sure that I trust software-based automatic systems very much.
by AAA
Tue May 12, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9096

Re: I Hate Vacations

I also grew to dislike vacations - the hassle of traveling and the difficulty of finding the kind of food I usually eat. I guess if you could instantly transport me to a place I might enjoy it, but getting there and back too often ruined the whole thing. In recent years I have learned to enjoy "...
by AAA
Sat May 09, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1622

Having a website

In anticipation of possibly having a very small business related to one of my hobbies, I was thinking about grabbing a domain name and setting up a simple website just to have a web presence and email account - no web commerce or anything like that. My initial research into these things has left me ...
by AAA
Fri May 08, 2015 8:50 am
Forum: Personal Consumer Issues
Topic: What to do with mink coat
Replies: 30
Views: 2293

Re: What to do with mink coat

gd wrote:It's an interesting and educational exercise in adjusting expectations of value to reality.


Based on all the responses to my post, it certainly has been interesting and educational. We thought the coat was valuable.
by AAA
Thu May 07, 2015 11:06 am
Forum: Personal Consumer Issues
Topic: What to do with mink coat
Replies: 30
Views: 2293

What to do with mink coat

My wife was given a mink coat many years ago by her mom. She never wears it and would like to sell it, so we are seeking advice of how best to go about doing that. I've sold stuff over the years on eBay, but even if I wanted to do that (which I wouldn't even consider with something like this) I don'...
by AAA
Thu May 07, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9138

Re: Will you buy self-driving car?

No. I would not trust it. With software of any size, there are always potential bugs as not every path through the software can be tested. It's one thing if a program crashes when you try to do A, then B, then C, because that was never tested, but all you have to do is restart the program. And do an...
by AAA
Wed May 06, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: move to cash for upcoming bear market?
Replies: 68
Views: 7943

Re: move to cash for upcoming bear market?

Why not sell now, hold the cash, wait for the low and buy low? Suppose you do that and the market goes down 20%. Would that be the low you were looking for, or would you be concerned that it could go down some more and be reluctant to invest? No one knows it's a low until after it has started recov...
by AAA
Wed May 06, 2015 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Decisions - still working
Replies: 6
Views: 531

Re: Medicare Decisions - still working

The downside to signing up for Part A, even though it is free, is that you can't contribute to an HSA if you are on Medicare. So if you have a high-deductible plan at work and contribute to an HSA, you might want to delay signing up for Medicare. Also note that if you retire and start Medicare durin...
by AAA
Sun May 03, 2015 1:28 pm
Forum: Forum Issues and Administration
Topic: Selecting a post to follow
Replies: 5
Views: 315

Selecting a post to follow

If you contribute to a post, it will show up in Quick Links under "Your Posts." What if you are interested in following a post but do not contribute to it? Is there a way to mark the post so that you can easily get to it later on to see what other people have written?
by AAA
Sat May 02, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: There's a monster under my bed... [CDs instead of bonds?]
Replies: 30
Views: 3482

Re: There's a monster under my bed... [CDs instead of bonds?]

ARB57 wrote:...At present, my CD's are earning an average of 3%...


Where do you have these CD's such that the average return is 3%?
by AAA
Sat Apr 25, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Your experiences of high inflation periods
Replies: 60
Views: 3147

Re: Your experiences of high inflation periods

I bought a house about 1979. Back then you could "assume" someone else's loan. I remember being told this was really great because my mortgage interest rate would only be 7% (or was it 9%) and that was WAY better than getting a new loan which IIRC was about 15% or thereabouts. I was young...
by AAA
Thu Apr 23, 2015 9:21 pm
Forum: Personal Consumer Issues
Topic: Car Dealership Credit Report
Replies: 34
Views: 2433

Re: Car Dealership Credit Report

A similar experience - bought a car with cash in 2004 and the salesman said he needed our social security numbers to complete the vehicle registration form. We gave them to him but next day I called our state dept. of transportation and they said the numbers are not required. Wrote to the manager of...
by AAA
Sat Apr 18, 2015 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Who is covered by your HSA?
Replies: 8
Views: 833

Re: Who is covered by your HSA?

1. Correct, a non-dependent's out of pocket expenses are not qualified expenses for their parent's HSA(s). 2. No, this is true regardless whether they remain on the parent's HDHP plan or have their own plan. However, if they remain on their parent's HDHP plan, they are eligible to make the full fam...
by AAA
Fri Apr 17, 2015 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Who is covered by your HSA?
Replies: 8
Views: 833

Re: Who is covered by your HSA?

I think the only thing that is not ripe for confusion is that if in this situation, the older spouse has his or her HSA, she can no longer contribute to that HSA when she takes in Medicare, yet the younger spouse can still keep the HDHP-Family Plan and still make HSA contributions in his own HSA. T...
by AAA
Fri Apr 17, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Who is covered by your HSA?
Replies: 8
Views: 833

Who is covered by your HSA?

Let's say you have a high deductible health plan at work, covering you, spouse and kids, and have set up an HSA in your name. Initially, the qualified expenses of all family members, you, spouse and dependents, are eligible for reimbursement by the HSA. I'm trying to understand how things change as ...
by AAA
Thu Apr 16, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 24988

Re: What do you drive, and why?

Volvo S60 for safety.

Also Camry for reliability (and safety - it even has an airbag for your knees).
by AAA
Thu Apr 16, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2524

Re: yea or nay to 5 years CDs

Build out your CD ladder starting with 6 months and build out to 5 years. Don't be afraid to buy CDs from corporations or international banks. Just make sure they are investment grade. You can find much better rates and can spread your money out. What's better to you, getting 5% and taking a $5,000...
by AAA
Thu Apr 16, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2524

Re: yea or nay to 5 years CDs

Ally recently added wording to their CD agreement, saying something like "you can, with our approval, make an early withdrawal from your CD account."

So it's not guaranteed that you can break a CD if you wanted to.
by AAA
Thu Apr 16, 2015 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase an Umbrella policy?
Replies: 54
Views: 5635

Re: Should I purchase an Umbrella policy?

DTSC wrote:No offense, but you don't have $1m in assets, so why do you need so much coverage?


Why would a settlement necessarily be limited to a person's assets? Couldn't it also involve future earnings?
by AAA
Thu Apr 16, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Retiree-Health Insurance question
Replies: 2
Views: 405

Re: Retiree-Health Insurance question

I was in a similar situation but HR had advised me beforehand to ignore the Cobra mailing.
by AAA
Sun Apr 12, 2015 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Raise Your Rate CD
Replies: 2
Views: 848

Ally Raise Your Rate CD

This product has been discussed before but not recently so I thought I'd get some input about this CD, and maybe some people's actual experience with it. The concern is that the option to raise your rate is based on Ally's rate for this product, not some more general "interest rate" target...
by AAA
Fri Apr 10, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 325

Re: FDIC coverage

Maybe the wording in the article I read was not correct. I found this somewhere else: Payable-on-Death (POD) Accounts - The owner of a POD account is insured up to $250,000 for each beneficiary if all of the following requirements are met... This contradicts the other article by saying that the owne...
by AAA
Fri Apr 10, 2015 10:01 am
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 325

Re: FDIC coverage

A joint account is not a trust account. From the FDIC website: A revocable trust account is a deposit account owned by one or more people that identifies one or more beneficiaries who will receive the deposits upon the death of the owner(s). A revocable trust can be revoked, terminated or changed a...
by AAA
Fri Apr 10, 2015 9:47 am
Forum: Investing - Help with Personal Investments
Topic: FDIC coverage
Replies: 3
Views: 325

FDIC coverage

Some banks we deal with allow naming of beneficiaries, others don't. For the ones that do, I'm a bit confused about the FDIC coverage. These are considered revocable trusts according to the FDIC, and I read this somewhere: Trust accounts are treated differently. Only the interests of the beneficiari...
by AAA
Thu Apr 09, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8932

Re: Am I part of the problem??

I think that unless a person works for a non-profit that saves the whales or distributes food to the homeless etc., then there will always be moral/ethical compromises involved. But it doesn't sound like you are putting people out on the street. I remember pointing out to someone that their broker w...
by AAA
Mon Apr 06, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 828
Views: 116085

Re: What Movie Have You Recently Watched?

I recently watched Interstellar. While it held my interest for its almost 3 hour length, maybe because I kept expecting more, for me it fell short of all the hype, with some reviewers declaring it to be a masterpiece. Putting aside any questions about the science content, there were so many plot hol...
by AAA
Fri Apr 03, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: Early Withdrawal from CD's
Replies: 2
Views: 470

Early Withdrawal from CD's

Having some cash to put into a CD, I started to think - why not do a 5-year and if interest rates go up significantly I could swallow the early withdrawal fee and move the funds to a higher rate CD? So I found the Bogleheads Wiki on Comparing CD's and it included the link to a simple When To Break A...
by AAA
Sun Mar 29, 2015 6:17 am
Forum: Personal Finance (Not Investing)
Topic: Verizon overcharge - can I do anything more?
Replies: 3
Views: 773

Re: Verizon overcharge - can I do anything more?

Call Verizon back and ask to speak with Retention. That department seems to have more flexibility dealing with these issues than the first line reps.

And please let us know what happened.
by AAA
Thu Mar 26, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 923

Re: Ad Valorem tax on new car

Sidney wrote:[OT comment removed by admin LadyGeek]


[Response to OT comment removed by admin LadyGeek]
by AAA
Thu Mar 26, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank credit card Which credit agency to unfreeze ?
Replies: 11
Views: 1358

Re: Citibank credit card Which credit agency to unfreeze ?

A couple of years ago, I co-signed a lease for my daughter and the rental agent (who was a great source of misinformation) told me which credit bureau they use. I unfroze that one but ended up having to do all three as the rental company actually checked all of them. But aren't there other credit bu...
by AAA
Sun Mar 22, 2015 8:02 pm
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1661

Re: Account internet security

Check your Vanguard account daily to make sure there are no unexpected transactions or alterations to your personal information. This is ridiculous. Well, maybe unnecessary. Vanguard sends me emails to alert me that a transaction confirmation is available. Maybe this is an option that I set up once.
by AAA
Fri Mar 20, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 53
Views: 7056

Re: A great shave at a great price

I recently tried my hand at shaving the old fashioned way with a safety razor, badger brush, and shave soap, however after giving numerous blades a try, I discovered that my neck is just too sensitive to get an acceptable shave with a double-edge blade. I absolutely did benefit from the brush and s...
by AAA
Thu Mar 19, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

Apple is built on the vision of Steve Jobs, probably the top CEO in the history of the world, and his vision changed the world as we know it. It looks like the Steve Jobs "reality distortion field" is still in existence. Glad to see Google agrees. I searched Google for "top CEO in th...
by AAA
Thu Mar 19, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

sambb wrote:Apple is built on the vision of Steve Jobs, probably the top CEO in the history of the world, and his vision changed the world as we know it.


It looks like the Steve Jobs "reality distortion field" is still in existence.
by AAA
Tue Mar 17, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 829

Re: Medicare Card and Medicare Advantage

I'm not sure what you intended to edit, but I have a Medigap plan and am asked for the Medicare card and the Medigap card. I have never been asked for my Social Security card in my entire life when getting medical care. Makes sense as Medigap works together with Medicare, so they would want to see ...
by AAA
Mon Mar 16, 2015 6:11 pm
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6678

Re: Laptop: Windows based vs. Apple

Stonebr wrote:With the Windows machine I used to use at work, I could drink a mug of coffee in the time it took to boot up in the morning.


If you work for a company, is that perhaps due to all the software your employer puts on the machine?
by AAA
Mon Mar 16, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 683

Re: Philosophical question about fund cost basis

StevieG72 wrote:Glass half full or half empty?

What came first the chicken or the egg?


Now that sounds like a philosophical question. :happy
by AAA
Sun Mar 15, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

I think the six pages of this thread is a testament to Apple's marketing prowess and the buzz they create. If someone asked "Will you buy an XYZ watch?" I doubt there'd be such a response.
by AAA
Sun Mar 15, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 683

Re: Philosophical question about fund cost basis

I think you need to be more specific as to what you want to measure...There is no philosophy here but rather just the standard definition of gain for financial purposes and the particular definitions of capital gain for assessing income taxes. Thanks for the detailed explanation but, knowing this, ...
by AAA
Sun Mar 15, 2015 5:33 pm
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 683

Philosophical question about fund cost basis

Say I make a one-time purchase of $1000 in a mutual fund, choosing to reinvest all distributions, and after some time it grows in value to $1100. At that point it makes a distribution of $100, after which I of course still have $1100 in the fund. Then, after some further time, it drops down in value...
by AAA
Fri Mar 13, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

...it's the idea that this (smart watches in general) is some revolutionary product. I'm really trying to understand what the buzz is about. I have only Apple stuff at home, but have lately grown tired of their exaggerated rhetoric proclaiming each new device or each iteration of an existing device...
by AAA
Thu Mar 12, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 389
Views: 27524

Re: Will you buy an Apple Watch?

No Apple watch for me. Of course, I don't even have a smartphone (but I do have an iPod Touch).

What's next, the Apple Ring for your finger?
by AAA
Wed Mar 11, 2015 7:49 pm
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2083

Re: Bond fund or CD Ladder

VG shorter term CDs are not very good. I would buy the 3 and 5 year Cds and put the rest in the short term bond fund. That is true. The highest one-year CD yields 0.6%, whereas Bankrate.com shows 1.2% for the highest nationally available. That's another option to keep some in the bond fund. Thanks.
by AAA
Wed Mar 11, 2015 7:44 pm
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2083

Re: Bond fund or CD Ladder

The other is more complicated. "The yield will increase" is in fact misleading; the apples to apples comparison is between the current yield of the ladder and the current SEC yield of the fund. As you roll into 5 year CDs, the fund will actually keep up with either higher returns than SEC...
by AAA
Wed Mar 11, 2015 2:04 pm
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 2083

Bond fund or CD Ladder

After several good CD's matured over the past couple of years in my Roth IRA, I find myself fully invested there in the Vanguard Short-Term Investment Grade fund (VFSTX). It's current yield is 1.6% and its average duration is 2.5 years. For various reasons, I am very conservative with this IRA. It s...
by AAA
Sat Mar 07, 2015 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Recommend a custodian for individual HSA account
Replies: 25
Views: 2010

Re: Recommend a custodian for individual HSA account

I guess I'm spoiled with Vanguard and keep hoping that a Vanguard of HSA accounts will appear on the scene. I think I'm going to have a long wait. I happened to find this on Vanguard's web site: https://personal.vanguard.com/us/whatweoffer/overview/healthsavings "Vanguard does not offer its ow...

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