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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
Sun Mar 29, 2015 6:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Verizon overcharge - can I do anything more?
Replies: 3
Views: 691

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 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ad Valorem tax on new car
Replies: 8
Views: 881

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
Thu Mar 26, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citibank credit card Which credit agency to unfreeze ?
Replies: 9
Views: 1038

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
Sun Mar 22, 2015 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Account internet security
Replies: 27
Views: 1494

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
Fri Mar 20, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 50
Views: 5831

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 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17749

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
Thu Mar 19, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17749

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
Tue Mar 17, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Card and Medicare Advantage
Replies: 11
Views: 783

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 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5707

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
Mon Mar 16, 2015 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 654

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 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17749

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 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 654

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
Sun Mar 15, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Philosophical question about fund cost basis
Replies: 11
Views: 654

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
Fri Mar 13, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17749

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
Thu Mar 12, 2015 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17749

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 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 1957

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 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 1957

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
Wed Mar 11, 2015 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bond fund or CD Ladder
Replies: 16
Views: 1957

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...
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: 1699

Re: VBTLX behavior during higher interest rates

^Since rising rates are likely to occur in the next few years, VBTLX would seem to be a risky/bad bet compared to CDs, etc.for those of us faced with mandatory IRA withdrawals from the fund starting in the next five years. Obviously, I'm missng something. I think. People have been saying for the la...
by AAA
Fri Mar 06, 2015 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBTLX behavior during higher interest rates
Replies: 13
Views: 1045

Re: Turbotax 2014: Buyer Beware

... I wrote four letters to the CEO over the past month asking for help, or at least confirming this situation. No response. I appealed to customer service. Nothing. Approached the FTC. Nothing. Wrote to Senators. Nothing. Wrote to journalists. Several blog posts. No one really seems to care about ...
by AAA
Thu Mar 05, 2015 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

In addition to forcing people to upgrade to their Premier version in order to manage investments, it's important to know that you will not be able to save your data in encrypted form without Intuit credentials, essentially sharing your password with Intuit. With all of the discussion here about pri...
by AAA
Wed Mar 04, 2015 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Retiree Poll: Satisfaction with retirement

As today is my first day of retirement, I don't have an opinion yet. :happy
by AAA
Mon Mar 02, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4017

Re: Turbotax 2014: Buyer Beware

Interesting how everyone is blaming TT but no one is mentioning the struggles software developers deal with when developing for Apple (closed standards, etc.) which is likely the root of the issue. Fine, but does anyone know of another company at this time that is having the same issue? Apparently ...
by AAA
Mon Mar 02, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

I just finished doing my taxes on TurboTax Home Business 2014 for Mac, without any issues. I just saved to PDF without issue using the File menu >> Save to PDF... as well as the File menu >> Print... All forms and worksheets >> Save as PDF, without any problems. I never was asked to log in to Intui...
by AAA
Mon Mar 02, 2015 7:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

I suspect that since they are using the same security they have for online applications, that your printing will have the same security as online applications. You are just deliberately choosing to not understand that. You are maybe just deliberately choosing not to acknowledge the now commonplace ...
by AAA
Sun Mar 01, 2015 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

This thread against Turbotax is at the rant level with a lot of baseless claims. I think there are two issues here. One is that Intuit is doing something devious by forcing you to send them your return just to print it. Okay, let's dismiss that one. If online filing is safe, then your printing is s...
by AAA
Sun Mar 01, 2015 5:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

Bob Meighan, VP of TurboTax, has emphatically stated that no information is stored when you use their print service with your Mac to print forms or save as PDF. I guess even if nothing is intentionally stored, there's always the possibility of hacking or some kind of bug in the system by which your ...
by AAA
Sat Feb 28, 2015 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Social Security Taxation

Yes, it was just the taxation I was asking about. Thanks for the replies.
by AAA
Sat Feb 28, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 657

Social Security Taxation

If you retire mid-year and start social security, is the taxation on your benefits determined by the total income amounts for that calendar year, or just the amounts earned after you started receiving benefits (which could be a bit of a pain to figure out)?
by AAA
Sat Feb 28, 2015 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxation
Replies: 4
Views: 657

Re: Turbotax 2014: Buyer Beware

The Intuit VP has told me that there will not be a fix for Mac printing this year.
by AAA
Sat Feb 28, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

Hey you know what? That's off in paranoia land. Sorry, won't go there. Here is what WSJ says -- "the Mac product requires a special, third-party code library to support offline printing.” And she (someone from Intuit) says, “based on Apple App Store guidelines, we could no longer distribute th...
by AAA
Sat Feb 28, 2015 5:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Switching tax preparation software

Okay, thanks for that information. I guess that makes sense.
by AAA
Sat Feb 28, 2015 5:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching tax preparation software
Replies: 3
Views: 284

Switching tax preparation software

I started working on my taxes using TurboTax but for reasons discussed in another current thread re. printing on a Mac I think I want to switch to the H&R Block program. When it says it can import information from a TurboTax file, does that mean it will import all of the entries I have already m...
by AAA
Sat Feb 28, 2015 4:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Switching tax preparation software
Replies: 3
Views: 284

Re: Turbotax 2014: Buyer Beware

Yes, you can print locally using H&R Block's program on a Mac, although I have not tried to see if it works when I am disconnected from the Internet. It connects to the Internet to look for updates, and of course it connected to the Internet for E-filing. Maybe we are using the term "local...
by AAA
Sat Feb 28, 2015 4:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

When you're done with your return with this package, is there the option to see on the screen what the filled out forms look like? If so, you can do a screensnapshot, assuming Macs have that feature, and put it in the Mac-equivalent of Paint, clean each page up a bit and save it and print it on you...
by AAA
Fri Feb 27, 2015 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

Intuit VP told me there is no fix available at this time. It doesn't sound very promising, like they are even working on it. Can someone please confirm that they can print locally using H&R Block's program on a Mac? If so, I think I will just switch and give up on Intuit once and for all. I was ...
by AAA
Fri Feb 27, 2015 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

Is the printing/PDF issue something new for this year, or has it been going on for a while?
by AAA
Fri Feb 27, 2015 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Turbotax 2014: Buyer Beware

Thank you for pointing out the printing/saving to PDF issue. I emailed Bob Meighan the VP of TurboTax about it just now. He's the guy that posted responses to some of the negative Amazon reviews for the reduced feature Deluxe version issue. I am on a Mac and if this issue is not fixed soon I will ju...
by AAA
Fri Feb 27, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7628

Re: Arguments for and against FSBO for house?

My only such experience was selling a small condo almost 30 years ago. There was an interested party but they balked at filling out the form for their financials. I tried to explain that if we go ahead I'd have to take the condo off the market for several weeks and wouldn't want to do that just to f...
by AAA
Mon Feb 23, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Arguments for and against FSBO for house?
Replies: 14
Views: 1251

Re: Pick-Pockets

Paris, over 30 years ago. A group of kids were with a lady in a Metro station. They surrounded me waving signs in my face. After they moved on I realized that I didn't have my wallet. I thought there was a possibility that I left it in my hotel room but I wasn't going to let these people get away if...
by AAA
Sun Feb 22, 2015 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 5305

Re: Hsa payroll tax

Also, there may be more fees involved if you go it alone vs. using your employer's hsa bank.
by AAA
Sun Feb 22, 2015 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hsa payroll tax
Replies: 7
Views: 673

Re: Experience with Credit File Freezes

LeeMKE wrote:I don't freeze our credit file. But I have a reminder on my calendar, and every 4 months I pull one credit report. Over a year I get a report from each of the 3 credit reporting agencies so I can keep an eye on the accounts.


But that may be 4 months too late. :(
by AAA
Tue Feb 17, 2015 6:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 992

Re: One stock

The one that will go up the most. :happy
by AAA
Mon Feb 16, 2015 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 1985

Experience with Credit File Freezes

Several years ago my state passed a law giving consumers the right to freeze their credit bureau files for a period of 7 years. In some states it's permanent. I did that in 2007 so in 2014 I inquired of the bureaus the procedure to renew the freezes. One bureau did it for me on the phone, saying it ...
by AAA
Mon Feb 16, 2015 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with Credit File Freezes
Replies: 12
Views: 992

Re: Rental Car Prices - is this the new normal ?

Sorry if this is redundant but I didn't read all 79 replies on this thread. Just wanted to say that I heard on the radio recently (I think it was Clark Howard) that there has been a lot of consolidation in the car rental business, so a small number of entities own most of the rental companies. That ...
by AAA
Sun Feb 15, 2015 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 8087

Re: TIAA-CREF dramatically increasing Expense Ratios

livesoft wrote:Would you do his job for less money? I'm not talking about pretending to do his job, but really do his job.


I would. I assume I would have a number of highly qualified subordinates to rely on and upon whom to delegate any and all issues that I couldn't handle in a few minutes.
by AAA
Sat Feb 14, 2015 9:31 am
 
Forum: Investing - Theory, News & General
Topic: TIAA-CREF dramatically increasing Expense Ratios
Replies: 74
Views: 5850

Re: Should I put a Credit Freeze on my accounts?

We froze ours several years ago. The only downside is not being able to open a CD online which I tried to do to get a better rate at our local bank. They said because of the Patriot Act they had to check credit. It's well worth it for the peace of mind. Really? My credit reports have been frozen fo...
by AAA
Thu Feb 12, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 32
Views: 2962

Re: What does it mean to buy or sell a stock?

Equities increase in value when there are more buyers than sellers; they decline in value when sellers out number buyers. These statements may confuse the OP. There are always an equal number of buyers and sellers since when one sells a stock someone else is buying it. If at any given time more peo...
by AAA
Tue Feb 10, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1601

Re: Where to put money gifted to infant son?

The money belongs to my son, not us (his parents), so I have no problem with it being his when he turns 18. In my state, the age of majority is 21 not 18. Just wanted to make sure you knew that it is different for different states, and not always 18. Our kids had a UGMA account that we transferred ...
by AAA
Tue Feb 10, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 1322
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