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Re: Upgraded to OS X 10.10 Yosemite

I really wish these computer companies would leave things alone for a while. I'm a Mac user, but don't use most of the new features that seem to come and go with all these OS changes and which can have the effect of making some programs stop working. Are consumers really demanding these things?
by AAA
Fri Oct 17, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3596

Re: Cloning and File Backup to Same External Hard Drive?

I don't know the details of Carbon Copy Cloner as I switched from it to SuperDuper years ago. But to be safe, you could partition the drive into two separate parts, one for the backup and one for the other stuff. Just be sure to make the backup partition big enough to hold your current system and an...
by AAA
Tue Sep 30, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Cloning and File Backup to Same External Hard Drive?
Replies: 2
Views: 259

Re: terminology in legal contracts

Years ago, I hired a company to cater an event and the contract had similar language. I went to my lawyer because I also found it very disturbing, like I was agreeing to insure the company. I believe his advice was to add a phrase such as "except in the event of liability by the company." ...
by AAA
Sat Sep 13, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: terminology in legal contracts
Replies: 10
Views: 915

Re: Refrigerator problem

Cleaning coils of the refrigerator is a myth. Do a google search. It does nothing to save energy or to make the refrigerator run more efficiently. As someone who tries to clean the coils regularly, at least once every three months, I was surprised to read this post. I did a google search and saw se...
by AAA
Thu Sep 11, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1725

Re: Anyone have a Nest learning thermostat?

I just checked out this item on Amazon and it costs $249, if it's the one you mean.

Unless you have unusually large heating bills, I would imagine it would take a very long time to recoup the cost of this thermostat, especially compared to the simpler one you are already using.
by AAA
Sat Sep 06, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have a Nest learning thermostat?
Replies: 19
Views: 1638

Capital Gains Tax

If you are in the 15% tax bracket, say single and making <$36,900, then the tables say there is 0% tax rate on long-term gains. If you make $37,000, and are thus in the 25% marginal bracket, the table say it's 15%. Is this an all-or-none situation? That is, does making $100 more mean all of your gai...
by AAA
Sat Aug 30, 2014 10:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax
Replies: 3
Views: 524

Re: Simplisafe Home Security Systems

I've had a system from them for a couple of years and wouldn't hesitate to recommend them. The equipment seems reliable and the customer service is good (although there were some complaints a couple of years ago that they were not available on weekends - I don't know if that's changed as I haven't h...
by AAA
Mon Aug 18, 2014 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security Systems
Replies: 35
Views: 2928

Re: Getting my electric supplied by Agway?

When electric choice came to Pennsylvania, I switched suppliers from PECO. Soon after, I got a letter from the supplier informing me that they were dropping out of the market. The same thing happened with the next two suppliers I chose. I finally said the heck with it and went back to PECO. My elect...
by AAA
Sat Aug 09, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Getting my electric supplied by Agway?
Replies: 4
Views: 331

Re: Is Medigap insurance really needed?

My understanding is that there is no out-of-pocket limit in traditional Medicare (as opposed to a Medicare Advantage plan). That's what Medigap insurance is for.
by AAA
Sat Aug 02, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medigap insurance really needed?
Replies: 83
Views: 4544

Re: Question about HSA and FSA

Last year, I had an HSA and a FSA through my employer. The FSA, I believe, was limited to vision and dental. I contributed to it because I didn't otherwise have vision coverage and knew several family members were going to get new eyeglasses.
by AAA
Wed Jul 30, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about HSA and FSA
Replies: 12
Views: 555

Re: Insurance premiums for renewals versus current

Wouldn't you get a discount by combining home and auto with one company?
by AAA
Sun Jul 13, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance premiums for renewals versus current
Replies: 11
Views: 1111

Re: Made a Mistake by Maxing out 401k - Need Advice

I generally max out my 401K before the end of the year but my employer continues to do the match. Is that then something particular to them and not all 401K's administrators? I think the term "safe harbor" may have been used.
by AAA
Sat Jul 12, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Made a Mistake by Maxing out 401k - Need Advice
Replies: 16
Views: 3862

Re: Frustration with medical providers

In addition to unexpected health issues, what if you have an accident and need medical care?
by AAA
Fri Jun 13, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Frustration with medical providers
Replies: 24
Views: 1770

Re: How Do You Transfer Your Money?

If I may add a question to this thread - I have linked my Vanguard account with my credit union checking account and can, from Vanguard, initiate a transfer from a Vanguard money market fund to the CU or vice versa, based on information about my CU that I originally gave to Vanguard. I never actuall...
by AAA
Fri Jun 06, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Do You Transfer Your Money?
Replies: 24
Views: 2683

Re: Medicare questionnaire legit?

Is "sscritic" a slightly disguised abbreviation for "sarcastic?"
by AAA
Sat Apr 26, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Medicare questionnaire legit?
Replies: 9
Views: 2113

Question about e-filing

I've never done it, much preferring to have in hand exactly what is sent to the IRS, but with some recent angst about mail delivery I might consider it in the future. I use TurboTax and was wondering if you get an opportunity to see what is actually submitted. Won't it be in some non-readable format...
by AAA
Sat Mar 29, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about e-filing
Replies: 3
Views: 356

Re: water heater purchase from Amazon

I agree. I like Amazon for many things but not something like this. In fact, I'd let the plumber get it for me even with a markup. The reason - if there's a problem, he's responsible for exchanging it and he'll come back with another one.
by AAA
Sat Mar 29, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: water heater purchase from Amazon
Replies: 12
Views: 1267

Re: Where do you buy organic nuts

I don't think it is necessary to buy fruits, vegetables, nuts, and so on, grown organically if these foods have a skin, peel, rind, and so on, that I am not going to eat. Bananas, melons, and kiwi come to mind. If I do intend to eat these coverings (berries, apples, and the like), I do buy organic....
by AAA
Wed Mar 26, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy organic nuts
Replies: 11
Views: 654

Re: Risk in Mailing Check

It is even easier than that. With the information on the check, a completely new check can be printed out on any printer or ordered if the thief is very low check and written out very neatly or even typed. It has never happened to me but I have not mailed a check in many years now. That's true. I'v...
by AAA
Sat Mar 08, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1669

Re: Any Subaru owners out there?

One thing I read about Subaru's all-wheel drive - all four tire circumferences must be similar within a certain spec. So if you have, say, 15,000 miles on the tires and one gets damaged, you may have to replace all four. That's about the only downside I've heard about Subarus and am planning to get ...
by AAA
Fri Mar 07, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 5017

Re: Risk in Mailing Check

[quote="CABob"]The check could be "washed" removing the Payee and amount replaced by othr names and numbers then cashed./quote]

Don't they recommend using a gel pen to avoid this possibility?
by AAA
Fri Mar 07, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Risk in Mailing Check
Replies: 18
Views: 1669

Re: Trusting My Auto Mechanic

Do you know:

o when they were last replaced and what the mileage was?

o what is the average milage interval that you have replaced them in the past?

That might give you an indication if they are close to needing replacement at this time.
by AAA
Thu Mar 06, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Trusting My Auto Mechanic
Replies: 14
Views: 1312

Re: Buying from Amazon vs direct seller price/shipping time?

I think Amazon uses generic shipping date calculations and your purchase could come sooner.
by AAA
Wed Mar 05, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Buying from Amazon vs direct seller price/shipping time?
Replies: 8
Views: 737

Re: Total Bond Mkt Index vs. Short-Term Investment Grade Bon

livesoft wrote:Other than that, you are really asking folks to predict the future. One can safely assume that the current yields for those durations already have built-in everyone's guess at the future.


Can you explain what those current yields imply about everyone's guess at the future?
by AAA
Mon Mar 03, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt Index vs. Short-Term Investment Grade Bond
Replies: 6
Views: 543

Total Bond Mkt Index vs. Short-Term Investment Grade Bond

I currently have some Total Bond in a Roth account and was surprised to notice that its current yield is just 2.23% with an average duration of 5.4 years. As for S-T Inv. Grade, it's yielding 1.49% with duration of 2.3 years. I realize these two funds invest in different things, but my question real...
by AAA
Mon Mar 03, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Mkt Index vs. Short-Term Investment Grade Bond
Replies: 6
Views: 543

Re: TurboTax handling of 1099-MISC

It was showing up on line 21 of form 1040.
by AAA
Mon Feb 24, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 573

Re: TurboTax handling of 1099-MISC

Only Box 3 (Other Income) is filled in the 1099-MISC. By "most appropriate box" I meant - TT asks why you received this form and I checked "I received this money for something not related to my regular line of work." Their Explain This window gave as an example a math teacher who...
by AAA
Mon Feb 24, 2014 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 573

TurboTax handling of 1099-MISC

In doing the federal return for one of my children, I entered information for a 1099-MISC from an organization that told me it was considered earned, taxable income. I so indicated to TurboTax (TT) by checking the box that seemed most appropriate to describe the income. When all done, I noticed that...
by AAA
Sun Feb 23, 2014 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax handling of 1099-MISC
Replies: 6
Views: 573

Re: Estimated Tax Payments

I usually skip the section where TT asks about figuring estimated tax. You can do that if it seems unreasonable.
by AAA
Sun Feb 23, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estimated Tax Payments
Replies: 33
Views: 1755

Re: Data security (removing old TaxAct files)

Google secure delete. The answer will depend on the operating system you are using. I wish people in this forum would not reply to posts with just a suggestion to Google it. Did you google it? I did before I posted so I knew that there were going to be good answers. I guess I could have copied and ...
by AAA
Thu Feb 20, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 759

Re: Data security (removing old TaxAct files)

Google secure delete. The answer will depend on the operating system you are using. I wish people in this forum would not reply to posts with just a suggestion to Google it. First, the person asking the question may not be adept at understanding the technicalities of what he may find with Google, o...
by AAA
Thu Feb 20, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 759

Re: It it a good investment to repair a leaking faucet?

LOL. I've done very basic kinds of plumbing things like replacing washers and valve seats in faucets. A couple of years ago I contacted Moen about my dripping kitchen faucet and they sent me the replacement cartridge. I watched the online videos several times and read the instruction sheet several t...
by AAA
Wed Feb 19, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: It it a good investment to repair a leaking faucet?
Replies: 9
Views: 837

Re: Son's I bond redeemed and received 1099 INT

chaz wrote:Also look at IRS Pub 17.


Directing someone who may not be very experienced with tax issues to a 288 page IRS document can't be all that helpful.
by AAA
Sun Feb 16, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Son's I bond redeemed and received 1099 INT
Replies: 13
Views: 1007

Re: Buenos Aires and Macchu Picchu?

Took a trip to Peru when I was about 31 years old and in pretty good shape. After landing in Cuzco, I rested a couple of hours to acclimate to the high altitude but it wasn't enough. On the tour around the city I had to lay down in a store as I got a little dizzy. Add to that the intestinal upset I ...
by AAA
Fri Feb 14, 2014 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 20
Views: 1893

Re: Marginal tax rate: statutory 15%, effective 30%

I posted something similar last March after doing my 2013 taxes. Adding $100 to my W-2 raised my taxes almost $50, even though the tables only go up to a 35% marginal rate.

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=112077
by AAA
Sat Feb 08, 2014 6:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal tax rate: statutory 15%, effective 30%
Replies: 100
Views: 8335

Re: How to security freeze your credit?

Note for PA residents - PA law provided for credit bureau freezes for a period of 7 years. In some states they are permanent. Last year, I contacted my state representative because the credit bureau I spoke with told me the freeze was permanent despite what the law says and I wanted some clarificati...
by AAA
Sun Jan 26, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to security freeze your credit?
Replies: 22
Views: 1235

Re: Anyone familiar with this? Bank asking for info...

I inherited an account at one of the large brokerage firms and they periodically send me a form, implying that it is required, that includes questions about my income and savings. I have so far totally ignored it. Vanguard has never asked me for such information, so I doubt that there is any legal r...
by AAA
Fri Jan 17, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone familiar with this? Bank asking for info...
Replies: 86
Views: 7558

Re: Roth 401(K) Questions

Thank you for that information. Now I have some decisions to make.
by AAA
Mon Jan 13, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401(K) Questions
Replies: 2
Views: 413

Roth 401(K) Questions

My company is offering a Roth 401(K) option this year and I have a couple of questions to help me decide what to do, in light of my probable retirement within a year: 1. The information provided says that tax-free qualified withdrawals are available after age 59 1/2 if at least five years have elaps...
by AAA
Mon Jan 13, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Roth 401(K) Questions
Replies: 2
Views: 413

Re: Updated opinions about Ally Bank?

Ally got under my skin recently, so I suppose I'll be the negative one here. They danced around for two weeks just trying to open a money market savings account. The reasons were: Same experience here. I already had a savings account with them and wanted to start a CD. I went through the process wi...
by AAA
Mon Jan 06, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 61
Views: 7034

Re: Vanguard grabbed $1 of every $4 put into funds in 2013

Ha - when I read the title of your post, my first interpretation was that you were implying Vanguard was charging a 25% expense ratio.
by AAA
Fri Jan 03, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard grabbed $1 of every $4 put into funds in 2013
Replies: 6
Views: 1691

Re: Car waxing discounts at the car wash - worth it?

My understanding is that car wax is strictly for appearance, not protection.
by AAA
Tue Dec 31, 2013 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Car waxing discounts at the car wash - worth it?
Replies: 13
Views: 1083

Re: AAA worth it? I have Allstate

VictoriaF wrote:May be they are calling you because your name is AAA?


LOL. I didn't even think about that ! My name here refers to bond ratings, not roadside assistance.
by AAA
Mon Dec 23, 2013 4:20 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 3305

Re: AAA worth it? I have Allstate

We had AAA for many years but switched to the roadside assistance program offered by AARP when adding our children to AAA seemed too expensive. AAA was very aggressive about getting me back as a customer. I can't tell you how many phone calls we got with caller i.d. "AAA Retention." I kept...
by AAA
Sun Dec 22, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 3305

Re: Recording Account details for heirs/spouse

Periodically I will log onto my Vanguard account and go to the page with my holdings. I then "print" this as a pdf and store it on an external drive (actually two drives for redundancy). I do this for other institutions also, basically getting a snapshot of holdings at that particular time...
by AAA
Mon Dec 16, 2013 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recording Account details for heirs/spouse
Replies: 11
Views: 1074

Re: Buying ahead of dividend?

In other words you buy a share at $11 before the dividend and it pays a $1 dividend you now have a share worth $10, a $1 dividend and a tax liability for the divdend. If you take that same $11 and buy after the dividend you get 1.1 shares at $10 a share and no tax liability. This is my guess at wha...
by AAA
Sat Dec 14, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying ahead of dividend?
Replies: 5
Views: 495

Re: Medicare Enrollment

mur44: Thank you !!!
by AAA
Tue Dec 10, 2013 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 968

Re: Medicare Enrollment

This is getting a bit frustrating as people are not reading what I wrote in my original post. I am talking about Part A, not Part B. I am not currently getting Soc. Sec. so there is nothing to "forfeit" by decling Part A. The purpose of my post is to ask how to go about declining Part A - ...
by AAA
Tue Dec 10, 2013 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 968

Re: Medicare Enrollment

While you are employed and have Employee Health Insurance from your employer, you do NOT need to enroll in Medicare provided your employer has more than 20 employees. Thanks for the clarification, but I still want to be perfectly clear on this as per my original post - do I just do nothing or do I ...
by AAA
Tue Dec 10, 2013 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 968

Re: Medicare Enrollment

The second question on this page is relevant to your question. http://www.foxbusiness.com/personal-finance/2013/11/07/medicare-rules-for-those-still-working/ Yes, that confirms that I don't have to enroll. But just to make sure of the process, do I have to inform Soc. Sec. or Medicare that I am opt...
by AAA
Fri Dec 06, 2013 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Enrollment
Replies: 13
Views: 968
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