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Re: Yahoo mail

I thought that there is/was a key difference - messages that are moved to the folders do not show up in the inbox whereas messages with labels do. Or is this just my misunderstanding? No, there are no folders. Just labels. You select whether or not you want a labeled messages to continue to show up...
by an_asker
Fri Dec 19, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail
Replies: 28
Views: 1600

Re: HSA question

I have read through the HSA info contained in the IRS site given but didn't see an answer to my question. Maybe I am not explaining myself correctly. I never planned on taking money out and decided on a HDHP with HSA after months of research. Layman's terms.... Say I contribute $5k on December 31, ...
by an_asker
Fri Dec 19, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 8
Views: 478

Re: Yahoo mail

I thought that there is/was a key difference - messages that are moved to the folders do not show up in the inbox whereas messages with labels do. Or is this just my misunderstanding?
by an_asker
Fri Dec 19, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: Yahoo mail
Replies: 28
Views: 1600

Re: Yahoo mail

I have had the same Yahoo email account since 1998. I long ago set it up to forward to gmail*, because I *vastly* prefer gmail's interface and mail management.[...] Yahoo! email management used to be really great until about, say, three-four years ago. Now it is horrible. The navigation bar to the ...
by an_asker
Fri Dec 19, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Yahoo mail
Replies: 28
Views: 1600

Re: Yahoo mail

Today yahoo mail is not listing current email. Mine starts with the newest messages on Oct 23. Reading online, other people are getting different dates, and other problems. Yahoo mail is getting worse and worse. I may switch. The problem is that this is out of your control ... and in the control of...
by an_asker
Thu Dec 18, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Yahoo mail
Replies: 28
Views: 1600

Re: Experiences using VRBO, Airbnb internationally

Used Airbnb in Berlin Germany for several nights... A+ experience. In many of those countries, property managers/entrepreneurs buy up tons of apartments/condos and just use Airbnb to manage the process and inventory. So the 2 bed/2 bath unit we rented was new and well furnished in a nice part of to...
by an_asker
Thu Dec 18, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Experiences using VRBO, Airbnb internationally
Replies: 26
Views: 2044

Re: No Foreign Fee Credit Card - Exchange Rate

Yes, Capital One worked for us in Paris and Berlin as well. Steelersfan: What rate did you get on the Euro in Germany with Capital One? We got 1.25 and I thought I should've gotten 1.23 or 1.24. Every transaction was different since they use the current institutional market exchange rate at the tim...
by an_asker
Wed Dec 17, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1138

Re: No Foreign Fee Credit Card - Exchange Rate

We usually use the Capital one cash back (1.5%) rewards. +1 And in a recent two week trip to Germany I used it without a chip with no issues at the hotels I stayed at. I bought my train tickets online ahead of time and those went through fine also. That saved a good chunk of change if you're able t...
by an_asker
Wed Dec 17, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1138

Re: Car buying questions ...

If you do get the Altima make sure to sign up for this $1000 visa prepaid card deal from Edmunds.com before signing the contract at the dealer : http://www.edmunds.com/elp/nissan/altima/rebateelp-1000-q.html?rebateid=1000&adid=701201403& I got this a few weeks after, and used it for a $996....
by an_asker
Wed Dec 17, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Re: Car buying questions ...
Replies: 10
Views: 1733

Re: Car buying questions ...

The very last line of every tru car quote is the dealer doc fee Dealers might add a runners fee to go to the dmv (even if they can register the car from their office) Call the dealer and ask I thought my son was a good enough driver to use my new jeep last winter. $32,000 from the insurance company...
by an_asker
Tue Dec 16, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Re: Car buying questions ...
Replies: 10
Views: 1733

Re: Car buying questions ...

I don't know about how things work in Florida but "son learning to drive" and "new car" don't mix. That is my standpoint as well ... that said, our Sentra will be six years old in a couple of years - and even if we kept it, the Camry might die by then :-). Also, wife is not too ...
by an_asker
Mon Dec 15, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Re: Car buying questions ...
Replies: 10
Views: 1733

Re: My thoughts.

The Wizard wrote:Another possibility is that last week's stock market down trend was triggered by the visit of the British royals to New York...

And their return might trigger another downsurge (or an upsurge) in the market. Have they left already (not been following the news)? :oops:
by an_asker
Mon Dec 15, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: My thoughts.
Replies: 13
Views: 1566

Re: Car buying questions ...

In the Central Florida area, we currently have a four-year old Sentra and a 14 year old Camry. The latter is on its last legs. Well, let me qualify that. The latest - and the only one that is irritating - issue is that its Overdrive is shot. Per my mechanic, the overdrive-shift solenoid needs to be ...
by an_asker
Mon Dec 15, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Re: Car buying questions ...
Replies: 10
Views: 1733

Re: T-mobile SIM cards

I actually bought one of these a few weeks ago and transferred the credit to my account as described in the eBay listing. I had to talk to two separate customer service reps to find one who would do it though, so it seems to be a bit shady and there may be some risk of getting stuck holding the bag...
by an_asker
Mon Dec 08, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: T-mobile SIM cards
Replies: 3
Views: 477

T-mobile SIM cards

On Ebay, I recently saw T-mobile SIM cards with purported value of $90 selling for $30. How dependable are these? Why would anyone want to sell these? Too good to be true? Is there a catch; if so, what?
by an_asker
Mon Dec 08, 2014 11:53 am
 
Forum: Personal Consumer Issues
Topic: T-mobile SIM cards
Replies: 3
Views: 477

Re: Transferring files onto a new computer

If you have music, videos, many hq photos, then dropbox etc won't work. I'd go buy a cheapish external hard drive for $75 of around 500GB. Then drag your files onto it. When you get a new PC, plug it in and put them on there. Is an external hard drive overkill for this? Yes So why use it? Because y...
by an_asker
Mon Dec 08, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2027

Re: Any Health Savings Account (HSA) experts here?

Good Morning, My wife and I work for the same company. We file jointly. She is enrolled in an HSA through work and we have a high deductible plan. We currently have over $14,000 in the account and are only making 0.05 interest on the money through a local bank. I want to transfer the money to a Van...
by an_asker
Thu Dec 04, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Any Health Savings Account (HSA) experts here?
Replies: 2
Views: 460

Re: Norwegian Airlines

As the OP, it behooves me to add my $0.02 to the thread (as a respondent now) :-). We returned recently from a short but memorable trip to Europe. We were in Paris for two days and in Berlin for two more. I will share details on those in the respective threads I created. For this thread, I wish to a...
by an_asker
Wed Dec 03, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Re: Norwegian Airlines
Replies: 25
Views: 2465

Re: Strategically not paying medical bills for 90 days for a

> No one has offered 50% off Maybe if you were uninsured and billed at the "list" price this would be possible. We all know that the list prices are way more than the insurance companies have negotiated. One of the deeply unfair aspects of our health care system is that those without insu...
by an_asker
Tue Nov 25, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategically not paying medical bills for 90 days for a dis
Replies: 30
Views: 3930

Re: Landlord wants us to sign an entirely new contract!

Whenever I rented an apartment (never rented a house), one of my first question was about utilities - which would be covered and which would not be covered. This happened way before I even saw the contract, let alone sign it. And more often than not, these items are specified in the advertisement fo...
by an_asker
Tue Nov 18, 2014 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 7770

Re: Father of eight hasn’t saved a penny for college

texasdiver wrote:The real issue with this father (and Victoria is right...where is the mother?)[...]

In labor? ;-)
by an_asker
Fri Nov 14, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2766

Re: How often do you change your car's oil?

Although we are 4 pages into it, I still don't have the right answer. Let me ask another question: A car is driven 3,500 miles a year, the trips are of short duration (less than 20 minutes of continuous driving) with occasional long distance highway driving, the motor is filled with synthetic oil t...
by an_asker
Mon Nov 10, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: How often do you change your car's oil?

How about continually? I just add some oil every couple of years when I see enough has leaked out. How many miles on your antique? ;-) It had 95,000 when I last looked in May or June. Are you serious about the oil 'leak'ing out in a 95,000 mile car or was that just a term you used to imply 'used up...
by an_asker
Mon Nov 10, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't know about you but it takes a week or two for my...
by an_asker
Mon Nov 10, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: How often do you change your car's oil?

I am honestly surprised at how little factual information there is in this thread and how much reliance on gut feelings, recommendations, how my great grandpa did it and that won't happen to me syndrome there is. All cured and facts produced by sending out a small sample of used oil for analysis fo...
by an_asker
Mon Nov 10, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: The Sky is Falling

Dow at 17500, 75% up in 5 years. It's actually more like up 150% in 5 years. (DOW was around 7000 at the bottom) However, one could also say it's only up 25% in the last 7 years. (DOW hit 13900 in 2007) Both of those statements are true. So which one do you act on? I will then go with the NASDAQ - ...
by an_asker
Fri Nov 07, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Sky is Falling
Replies: 36
Views: 5994

Re: Heat pump question

Even if the air were to shoot out at 100 degrees or more, by the time it gets to you (from the vent up top) it is probably much cooler as well. With our system it doesn't shoot out unless it is trying to really recover from a lower temperature. I have only heard it go at full blast a couple of time...
by an_asker
Fri Oct 31, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3414

Re: Heat pump question

.... are in climate zone 3, according to this map.... does not normally stay below freezing during the winter for more than a week at a time....no natural gas lines in my part of the county..... lived in Clarksville, we had natural gas heat and when her heat comes on, you could tell. :) Sounds a lo...
by an_asker
Fri Oct 31, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heat pump question
Replies: 50
Views: 3414

Re: Does HSA make sense for me?

Yes I am a single individual. My Co-pay for office visits are 20 dollars for regular stuff and 35 dollars for specialist Emergency Room is $150. I have been with the HMO for a while and luckily I havn't had to use it besides the normal office visits. I just keep hearing good things about the HSA an...
by an_asker
Fri Oct 31, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1237

Re: Does HSA make sense for me?

Hi everyone, My company just started to offer HSA eligible health plan. I have an option between the HSA and an HMO plan. I tried to get a better understanding of the HSA but I am kind of lost if it makes sense for me to move to an HSA plan vs my HMO. Could you guys help me make sense of this. Than...
by an_asker
Fri Oct 31, 2014 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1237

Re: A Little Common Core Math problem

1) A cat's weight multiplied by itself is 20 less than a dog's weight multiplied by itself. Together, they weigh 52 pounds. How much do the cat and the dog weigh? So, C*C + 20 = (52 - C) * (52 - C) One variable or two? 2) A cat, a dog and an elephant weigh 1200 pounds. The dog weighs 50 pounds more ...
by an_asker
Thu Oct 30, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2917

Re: A Little Common Core Math problem

This problem doesn't seem confusing, and I'm not sure why everyone is upset about the concept of Everyday Math (which has been taught LONG before Common Core). x + 8x = 63 9x = 63 x = 7 The cat weighs 7 lbs and the dog weighs 56 lbs. This does not require a calculator nor a pen and paper. Why are s...
by an_asker
Thu Oct 30, 2014 3:12 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2917

Re: Schwab expands no commission ETFs-no early sell fee

Again, I'm not saying these programs are bad. I'm just trying to explain why Schwab trades some non-Schwab ETFs commission free. Commission free does not mean Schwab makes no revenue; they just get it a different way - directly from the ETF companies and on trading spreads by controlling execution....
by an_asker
Thu Oct 30, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3286

Re: Schwab expands no commission ETFs-no early sell fee

Rick appears to be saying that all ETFs that Schwab sells (for no commission) pay a fee to Schwab. Doubtless, they also pay a similar fee to any other brokerage who sells those ETFs. There are two parts to this. ETF firms pay marketing fees to brokerage firms that do not charge commissions to trade...
by an_asker
Thu Oct 30, 2014 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3286

Re: New appliances - Stainless Steel or not?

I can't give a general answer, we don't have any stainless steel appliances, but I will say that our experience is that some of our stainless steel things have been a whole lot more "stainless" than others. There is a wide variety of alloys called "stainless steel." You might tr...
by an_asker
Tue Oct 28, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3529

Re: Feeling rich to feeling poor overnight

HomerJ wrote:[...]Heh, the box my TV came in is bigger than room she used to have. :) (okay not really)

Hmm ... I think I've seen TVs as big as yours. No, I don't think I would buy one without seriously denting my budget. And it might not fit in my house anyway (ok, not really) ;-)
by an_asker
Mon Oct 27, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11067

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by an_asker
Mon Oct 27, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11067

Re: Another PPO vs HDHP thread - enrollment closing...

[...] PPO: medical expenses excluding prescription drugs: $1000 deductible, then 20% copay on all expenses, out of pocket max is $6000. prescriptions: no deductible, 20% copay on all prescriptions, separate out of pocket max is $6000. premium: $140 every 2 weeks HDHP: medical expenses: $4000 deduct...
by an_asker
Mon Oct 27, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Another PPO vs HDHP thread - enrollment closing...
Replies: 13
Views: 1442

Re: How often do you change your car's oil?

I am a little surprised in the Bogleheads forum that people would be wasting so much money by changing oil twice or more often than recommended by the manufacturer. Would you throw out a gallon container of fresh milk when it is 50% consumed? I don't know about you but it takes a week or two for my...
by an_asker
Mon Oct 27, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: How often do you change your car's oil?

VictoriaF wrote:
DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....


I nominate "How often do you wash your coffee mug?" for the next thread.

Victoria

How about never, since I don't* drink coffee? ;-)

* - on a regular basis
by an_asker
Mon Oct 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: How often do you change your car's oil?

DaftInvestor wrote:This has been an interesting read....I can't wait for the "How often do you rotate your tires" thread.....

How many Bogleheads does it take to rotate a car tire?
None - the tires rotate by themselves when Bogleheads drive ;-)
by an_asker
Mon Oct 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: How often do you change your car's oil?

livesoft wrote:How about continually? I just add some oil every couple of years when I see enough has leaked out.

How many miles on your antique? ;-)
by an_asker
Mon Oct 27, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 12260

Re: Feeling rich to feeling poor overnight

The Bay Area is to the rest of the US what the US is to Subsaharan Africa in many ways.[...] +1000! I have friends in the Bay Area whose Facebook posts sometimes make absolutely no sense to me - it is as if they don't have a clue as to how the rest of the USA is faring currently. That is very troub...
by an_asker
Mon Oct 27, 2014 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling rich to feeling poor overnight
Replies: 85
Views: 11067

Re: Phone for Europe trip

My spouse simply bought a phone + SIM card + minutes in a kiosk on location for about 30 euros. Wow! That was quick. This is just a booth anywhere at an international airport, or in town? How many minutes did the cards have on it? Did the phone have any use after the trip, i.e., does it work in the...
by an_asker
Thu Oct 23, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1552

Phone for Europe trip

Need advice on buying an inexpensive phone for a Europe trip. Let me start off by saying that I have never used a cell phone outside of USA and India (and have not used one that works in both of those countries). Now, I have the following choices before me: - Refurbished Samsung Galaxy smartphone - ...
by an_asker
Thu Oct 23, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 1552

Re: IBM: Stock Buybacks Gone Wrong?

TJSI wrote:[...]1) IBM wants to own the cloud. They should look into owning the pipes between the clouds. Buy/build some backbone networks.[...]

Strike quick before Kinder (he of the Enron/Kinder Morgan fame) gets there.
by an_asker
Thu Oct 23, 2014 7:56 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 4934

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by an_asker
Thu Oct 23, 2014 7:54 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 4934

Re: IBM: Stock Buybacks Gone Wrong?

So I should sell my IBM stock? And take my profit? A quick search shows IBM beating the S&P over the last 10 years. Even with its recent fall. "Past performance is no guarantee of future results". OP: Just my attempt at answering a rhetorical question here. What percentage of your por...
by an_asker
Wed Oct 22, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 66
Views: 4934

Re: Is Roth 401k better even if future tax bracket is lower?

All else being equal, including tax rate today and in the future , if you have the ability to put $17.5k in Roth 401(k) or trad 401(k), the former will likely win. The problem is all else are not equal for most people. I never claimed that all else was equal. For that matter, we could debate until ...
by an_asker
Wed Oct 22, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 26
Views: 2901

Re: Is Roth 401k better even if future tax bracket is lower?

If you are somebody who maxes out your 401k and IRA contributions, then another advantage of the Roth 401k is that it allows you to effectively put more in tax-advantaged accounts, since $17,500 of after-tax money is worth more than $17,500 of pre-tax money. In theory a disciplined investor who thi...
by an_asker
Wed Oct 22, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Roth 401k better even if future tax bracket is lower?
Replies: 26
Views: 2901
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