Search found 402 matches

by AAA
Mon Aug 31, 2015 11:16 am
Forum: Personal Consumer Issues
Topic: Simplisafe Alarm
Replies: 3
Views: 372

Re: Simplisafe Alarm

Another + for Simplisafe. We've had the system for a few years and upgraded to their gen 2 system about a year ago. Main reason was that it allowed use of two keypads. So we have one inside by our main door and one inside the basement by the garage door. That has done away with the need to use the k...
by AAA
Sun Aug 30, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Maintenance
Replies: 9
Views: 1151

Air Conditioner Maintenance

There was a thread recently discussing the advisability of having an annual house A/C checkup. Personally, I haven't done that, but I recently noticed that in October the 10-year warranty will be up. I'm wondering if it would make sense to have a checkup in September because if they find something i...
by AAA
Fri Aug 28, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Tax free income
Replies: 8
Views: 1224

Re: Tax free income

livesoft wrote:You will make less money in a tax-free fund than you would in a taxable fund after paying taxes on the income.


This is not always true, is it?
by AAA
Sat Aug 22, 2015 7:46 pm
Forum: Forum Issues and Administration
Topic: Staying logged in
Replies: 7
Views: 1116

Staying logged in

Any progress to be expected on the issue of users not staying logged in, even when "Remember me" is checked and cache is not cleared?

I acknowledge it's not the biggest problem facing the world today, but it is getting a bit tedious.

Thank you.
by AAA
Fri Aug 21, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 53
Views: 4002

Re: Visiting New York City this weekend. What pizza should I try?

I can't recommend a pizza place, but don't let John Stewart see you eating it with a knife and fork !
by AAA
Fri Aug 21, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Brokered CDs - 2 interesting things
Replies: 10
Views: 1038

Re: Brokered CDs - 2 interesting things

It seems to me that in the past Vanguard's CD offerings were very competitive with the highest yielding CD's you could get at a bank, but not so much so in the last few years.
by AAA
Fri Aug 21, 2015 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: A bed time story for a RBD
Replies: 4
Views: 827

Re: A bed time story for a RBD

RBD = ?
by AAA
Mon Aug 17, 2015 3:37 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2384

Re: Cell Phone Reception

Phone Company A, consistently spent more $$ in its infrastructure than Company B. The results is painfully apparent. :mrgreen: And A is who? Verizon? LOL see this thread, https://www.bogleheads.org/forum/viewtopic.php?f=10&t=171742 [I don't give advice or recommendations. ] Really ROFLMAO I hav...
by AAA
Sun Aug 16, 2015 6:35 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2384

Re: Cell Phone Reception

itstoomuch wrote:Phone Company A, consistently spent more $$ in its infrastructure than Company B. The results is painfully apparent. :mrgreen:


And A is who? Verizon?
by AAA
Sun Aug 16, 2015 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 6609

Re: Cash in the house

I keep a few hundred for "emergency." I guess it just makes me feel better to have it.
by AAA
Sun Aug 16, 2015 6:30 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2384

Cell Phone Reception

We are currently with Verizon but looking at some other carriers going forward, for cost considerations. A family member has told me that when she is with friends with other carriers they sometimes have trouble with reception but she doesn't. That is in areas where the other carriers are supposed to...
by AAA
Sun Aug 16, 2015 6:23 am
Forum: Personal Consumer Issues
Topic: High Deductible Health Plan Question
Replies: 12
Views: 1273

Re: High Deductible Health Plan Question

Of course I don't know the details of your particular plan, but in general the deductible applies collectively, to use your terminology. So you first have to meet the deductible in a calendar year and then the plan starts coverage. It's not for each incident. But at least with most plans I've seen, ...
by AAA
Sun Aug 09, 2015 7:06 pm
Forum: Personal Consumer Issues
Topic: Verizon Contract Issue - Consumer Awareness
Replies: 13
Views: 1502

Re: Verizon Contract Issue - Consumer Awareness

This sort of thing happened to me. I called them up and the rep says he is making a notation in my file. Next time I call and reference the previous call, there is no record of it.

It's frustrating that the rep can't send a simple email summarizing the discussion. All you get is a form email.
by AAA
Tue Aug 04, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do you need to endorse check when you are paying someone else?
Replies: 5
Views: 354

Re: Do you need to endorse check when you are paying someone else?

mobi999 wrote:If I am correct it the one who deposits signs it in endorsement at back of check ?


Yes.
by AAA
Mon Aug 03, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 201
Views: 13911

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

So I started paying close attention to our family spending. We're a 2 adults and a 2yr old child. Living in NYC, monthly spending is $1,000 on food. Is this a lot? Keep in mind, food does not include restaurants or eating out. Just home food that I also take to work for lunch. We try to eat well. M...
by AAA
Sat Aug 01, 2015 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Majority of units in my condo assoc are owned by investors. Is this bad?
Replies: 21
Views: 2161

Re: Majority of units in my condo assoc are owned by investors. Is this bad?

I was on the board of a condo many years ago. Most of our problems were with people renting in investor-owned units. Often the investors were only interested in collecting their monthly rent. An example - some young guy moved into the unit above mine and after a while we were seeing roaches. I calle...
by AAA
Fri Jul 31, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11233

Re: Retirees: Questions you hate being asked

It's not a specific question, but what sometimes bugs me is the expectation that once someone retires it's all fun and games and they should be bubbling over with happiness all the time.
by AAA
Fri Jul 31, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Surprisingly positive experience filing for SS online
Replies: 9
Views: 762

Re: Surprisingly positive experience filing for SS online

I chose to make an appt. with Soc. Sec. and both that and Medicare went fairly smoothly for me.

The company I retired from, however, messed up just about everything connected to my retirement. Took a couple of months to get it all straightened out.
by AAA
Sat Jul 25, 2015 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Alert. Scam with callers posing as IRS agents...
Replies: 46
Views: 4295

Re: Alert. Scam with callers posing as IRS agents...

I got a phone call this week with a recorded message with what sounded like a computer-generated voice telling me they were from the IRS and blah blah blah. I hung up in the middle. I also got a call a few weeks ago with the grandchild scam. He started out saying "hi grandpa" and I knew it...
by AAA
Tue Jul 21, 2015 9:20 pm
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 2477

Re: Does anyone else have to continually login?

This never used to happen to me but does so with some regularity now despite no change on my part - I always check "keep me logged in" and only rarely clear cache in the account that I use to access Bogleheads. Every few days I have to log in again.
by AAA
Mon Jul 20, 2015 7:57 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2441

Re: How do I fix a hole in this wooden door?

Google it. There are a lot of "How to" links and videos online. I wish people wouldn't post things like "Google it." Well why not? In this case there are YouTube videos that show step by step tutorials that will show the OP how to fix it. He said he preferred to fix it rather th...
by AAA
Sun Jul 19, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: How do I fix a hole in this wooden door?
Replies: 42
Views: 2441

Re: How do I fix a hole in this wooden door?

island wrote:Google it. There are a lot of "How to" links and videos online.


I wish people wouldn't post things like "Google it."
by AAA
Sun Jul 19, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 8084

Re: Why did you take SS at FRA instead of delaying until 70?

Filed at 68 and 7 months instead of waiting till 70. Reasons: ... 2) Did not want to extend the break even age any further. ... I could be wrong, but my understanding is that the break even point is the same no matter when you file. So if you waited until 70, you would be missing payments for anoth...
by AAA
Tue Jul 14, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Vanguard's Security image going away?
Replies: 81
Views: 8566

New Vanguard Logon Procedure

[Thread merged into here, see below. --admin LadyGeek] Got an email from Vanguard (supposedly) that included the following: We're making some changes to how you log on to our website and mobile apps. Soon, you'll enter your user name and password on the same page. And, you'll no longer need to reme...
by AAA
Mon Jul 13, 2015 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Having Trouble buying big ticket item
Replies: 57
Views: 4643

Re: Having Trouble buying big ticket item

Depending on what the item is, you might be able to sell it at some future date and recover a good percentage of the up-front cost. For instance, that's the case with good photography equipment. So maybe you could look at it as a, say, $3000 purchase for x number of years, rather than a $7000 purcha...
by AAA
Wed Jul 08, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Vanguard phonecall asking for personal information
Replies: 47
Views: 3858

Re: Vanguard phonecall asking for personal information

Same thing happened to me recently. Got a call from someone claiming to be from one of my financial institutions (maybe it was Vanguard) and they wanted to verify my identity. I said "but you called me" and told them it was not good form to expect someone to give out that information to an...
by AAA
Tue Jul 07, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why US market is falling due to Greece crisis?
Replies: 14
Views: 1431

Re: Why US market is falling due to Greece crisis?

I have to laugh each day when I read the headline in the financial section of my local newspaper. One day it's something like "Market down due to worries about Greece." The next day, if the market went up, it's "Investors shrug off Greece problems." They always have to come up wi...
by AAA
Mon Jul 06, 2015 7:58 pm
Forum: Personal Consumer Issues
Topic: Amish furniture maker recommendation
Replies: 26
Views: 2051

Re: Amish furniture maker recommendation

We ordered a cabinet from Harold's Oak House in Lancaster County, PA, 1-2 years ago. The price was reasonable and the quality is good - all solid wood (except the back) and dovetail joinery for the drawers. We had it delivered (in PA) by their truck for about $60. I don't know how the shipping would...
by AAA
Sat Jun 27, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9173

Re: MacBook Pro Worth the money?

I have only ever used Macs at home and have been fairly happy with them. But today the basic hardware (processor, memory hard drives) are generic to the Mac and PC worlds. If you look in the newspaper adds, you see that the cheapest Macbook Pro is something like $1200 and it has (I'm going by memory...
by AAA
Sat Jun 27, 2015 9:04 pm
Forum: Personal Consumer Issues
Topic: Is your home owner insurance going up 27% this year?
Replies: 35
Views: 3860

Re: Is your home owner insurance going up 27% this year?

I live in PA and renewed in April. Change was minimal.
by AAA
Sat Jun 20, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Vanguard's newish email alerts & security
Replies: 19
Views: 2046

Re: Vanguard's newish email alerts & security

I agree with those that think these emails should not contain such information. I get the same from an online bank whenever I make a transfer - they put the $ amount right in the email. Even if you delete an email, it remains on your internet provider's server for some period of time, so is in princ...
by AAA
Sun Jun 14, 2015 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 1
Views: 354

Re: HSA question

by AAA
Sat Jun 13, 2015 9:05 pm
Forum: Personal Consumer Issues
Topic: Netflix Ads?
Replies: 10
Views: 1545

Re: Netflix Ads?

With Verizon FIOS t.v., when you first go to the program guide it first puts up a "just for you" promo/ad (whatever you want to call it). I find it annoying and quickly hit Exit, then go back into the guide a second time to avoid it.
by AAA
Sat Jun 13, 2015 8:56 pm
Forum: Personal Consumer Issues
Topic: Did I get a cheaper crown because I had dental insurance?
Replies: 8
Views: 1798

Re: Did I get a cheaper crown because I had dental insurance?

fund seeker wrote:... this crown has been a hassle and just seems to be cheaply made...


In what way has it been a hassle?
by AAA
Mon Jun 08, 2015 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What was your experience withdrawing Soc. Sec. application?
Replies: 0
Views: 278

What was your experience withdrawing Soc. Sec. application?

There have been a couple of threads recently about Soc. Sec. strategies. If anyone has done a withdrawal of application recently, can you share your experience (I was only able to find some older threads on this). Mike Piper says in his book that the process is not as easy as the one-page form makes...
by AAA
Mon Jun 08, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 89
Views: 8293

Re: Putting off Social Security until 70

The government has been continually raising the Soc. Sec. payroll tax The payroll tax has not been raised since 1990, when it was set at 6.2% for both employee and employer. The employee payroll tax was reduced to 4.2% for two years after the 2008 crash, as an economic stimulus measure. http://www....
by AAA
Mon Jun 08, 2015 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Putting off Social Security until 70
Replies: 89
Views: 8293

Re: Putting off Social Security until 70

I am in the position of deciding what to do myself. One thing to consider is that future reductions in Soc. Sec. benefits or added means testing that reduce payments are unknown factors that can't be modeled but are nevertheless possibilities, especially as the solvency of the fund needs to be addre...
by AAA
Fri Jun 05, 2015 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Thanks all for the input, especially Mike. I have his book and it will be a good reference. As a final post, I would like to summarize things here, in one place, just to make sure I've got it all right. I feel a bit like Lou Costello at the end of the Who's on First Routine when he finally seems to ...
by AAA
Fri Jun 05, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

The point in favor of you waiting (either via suspending or withdrawing your application) is that it increases the amount you (as a couple) receive as long as either of you are still alive, whereas your wife waiting only increases the amount you (as a couple) receive as long as both of you are stil...
by AAA
Fri Jun 05, 2015 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Excluding the use of a calculator, the primary two strategies I'd be considering are #2 and #3 that I described in this post . Thanks for your patience and input. Re. your #2, reproduced here: 2) You suspend your benefit until reaching age 70. Your wife does nothing until her FRA, at which point sh...
by AAA
Fri Jun 05, 2015 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

For example, compare it to this one: *You immediately suspend your benefit. *Your wife files at 62. *You unsuspend at age 68. Just to complete my understanding - You said elsewhere that if I withdraw my application I have to return what I have received up to that point. If I suspend, do I get to ke...
by AAA
Fri Jun 05, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Excluding the use of a calculator, the primary two strategies I'd be considering are #2 and #3 that I described in this post . Thanks for your patience and input. Re. your #2, reproduced here: 2) You suspend your benefit until reaching age 70. Your wife does nothing until her FRA, at which point sh...
by AAA
Fri Jun 05, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Okay, I'm starting to get it and I really appreciate all the input. So it appears there are three reasonable options for me: 1. I withdraw my application and return what I have collected so far. When my spouse turns 62, she files for benefits and I file for spousal benefits. That would give us $1,01...
by AAA
Fri Jun 05, 2015 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Is "file and suspend" the same as "withdrawal of application?" No. When you withdraw an application, it is as if you never filed. When you file and suspend, you have still filed, and are still considered "entitled" to benefits.* But during the period of suspension you ...
by AAA
Thu Jun 04, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Is "file and suspend" the same as "withdrawal of application?"
by AAA
Wed Jun 03, 2015 4:17 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Of course, please remember that all of these forecasts are merely that: guesses about the future. As my father's accountant would always say, " Tell me when you are going to die and I will tell you exactly what to do." So is this true in general - the strategies that involve waiting until...
by AAA
Tue Jun 02, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

Its not a substitute for reading the available literature and books, but.......heres a link to a social security "scenario" calculator on the T Rowe Price site. http://individual.troweprice.com/public/Retail/Retirement/Social-Security-Tool I've used it and it will help you get familiar wi...
by AAA
Tue Jun 02, 2015 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Re: Social Security Strategies

AAA, you might want to download Social Security Made Simple by Mike Piper, CPA - also known as ObliviousInvestor on the Bogleheads! http://www.amazon.com/Social-Security-Made-Simple-Retirement-ebook/dp/B009K7ZNDS This will definitely help with the complexity and feelings of overwhelm. I did order t...
by AAA
Mon Jun 01, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4385

Social Security Strategies

Our situation - I was the higher earner. I recently retired and started Soc. Sec. at the full retirement age rather than waiting until age 70. Spouse recently retired and will reach age 62 later this year. I thought our main decision would be whether or not she would start Soc. Sec. then or wait unt...
by AAA
Wed May 27, 2015 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Grandson's UTMA account
Replies: 14
Views: 821

Re: Grandson's UTMA account

Something that may not be widely known (from Forbes.com) -

"Beware the pitfalls of being the custodian of an account that you have also funded: in the event that you die before the child reaches the age of majority, that money is included as part of your estate."

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