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Re: Safety of Vanguard online access

Googling around a bit there is some discussion about the value of frequently changing passwords. Note I'm making a couple of assumptions: 1. You use a different password for every site. 2. You're using a strong password. Here's one: https://www.schneier.com/blog/archives/2010/11/changing_passwo.html...
by tbradnc
Thu Feb 26, 2015 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1630

Re: Safety of Vanguard online access

I've never understood why there is a recommendation to change a password ever so often.
by tbradnc
Thu Feb 26, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1630

Re: Beer sales in PA supermarkets? Is this allowed now?

A bit off topic but I've lived in the south all my life and this summer when I hiked the PCT it blew me away to see liquor sold *everywhere*. Drug stores, grocery stores, convenience stores - everywhere. I hiked the Sheltowee Trace Trail in Kentucky earlier this month and for 238 miles I was hiking ...
by tbradnc
Thu Feb 26, 2015 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Beer sales in PA supermarkets? Is this allowed now?
Replies: 10
Views: 644

Re: Father / Son Deep Sea Fishing Trip

Does it have to be Florida? I used to live in NC and I know you can catch some great fish off the coast there. Still has nice warm weather. Best time of year to go would be after September when the tourists leave. Check out the Wilmington area. Yep, we lived in Carolina Beach for almost 25 years. G...
by tbradnc
Thu Feb 26, 2015 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 20
Views: 1042

Re: Is a generator worth it?

[ I love the Honda and Yamaha inverter generators, but the downside as you mentioned, is big time cost, low output & most are 120v only. The EU7000iS is their smallest model that's 240v and MSRP is $4500. 120v-only presents a number of issues for people that would like to tie it into the house ...
by tbradnc
Thu Feb 26, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 49
Views: 2272

Re: Beepi - a new way to buy a used car?

I'm glad this topic is getting some love. :)
by tbradnc
Thu Feb 26, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Beepi - a new way to buy a used car?
Replies: 22
Views: 1661

Re: Is a generator worth it?

When we lived on the coast we had a transfer switch installed and I'd plug our Honda eu3000i generator into it and power the refrigerator and a 15 amp circuit downstairs. The thing to be aware of when you buy a generator is how loud they are - after a hurricane or tropical storm that knocked out pow...
by tbradnc
Thu Feb 26, 2015 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 49
Views: 2272

Re: Buy and Hold Forever Stocks

But nowadays I'm holding onto my remaining AAPL shares not as a growth stock but as a dividend juggernaut. Interesting discussion, but I'm a Newbie and just have a question about this. Why are the dividends so prized? If need a little $ why not just cash out something? Trying to understand why some...
by tbradnc
Wed Feb 25, 2015 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 89
Views: 5723

Re: List of favorite accounts

The problem I personally have with the high yield checking accounts is how much work it is to earn the highest advertised rate combined with the low maximum amount for which they'll actually pay the highest yield. We don't use a debit card for anything and are retired so no checks to direct deposit....
by tbradnc
Wed Feb 25, 2015 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 26
Views: 2500

Re: Buy and Hold Forever Stocks

I bought in at "bargain" prices in the years after the 2000 crash but GE was still overpriced. I am still underwater on the stock. :happy :happy I did not share in your excellent timing. I just had a look at the 1000 I purchased for $6.79 - the trade was executed on March 6, 2009. I remem...
by tbradnc
Tue Feb 24, 2015 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 89
Views: 5723

Re: Buy and Hold Forever Stocks

I do own up to being a GE shareholder. It is one of the "Four Horsemen of Underperformance" in my individual stock portfolio. The "Four Horsemen" are GE, Pfizer, Microsoft, and AIG. And yes, I kept my AIG stock after the spectacular crash and burn. Microsoft has actually been pe...
by tbradnc
Tue Feb 24, 2015 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 89
Views: 5723

Re: Buy and Hold Forever Stocks

I own: 2280 shares of GE 1100 shares of T 1000 shares of SO (Southern Company). Each of these stocks pay dividends in alternate months so there is an income stream of just over $500 per month. It's not "free money" - I know that. I've been using the money to pay home/auto insurance, proper...
by tbradnc
Tue Feb 24, 2015 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Buy and Hold Forever Stocks
Replies: 89
Views: 5723

Re: Help me find my friend !

Are you sure your friend is alive?

Here is a good place to look: http://www.findagrave.com/cgi-bin/fg.cgi?page=gs&
by tbradnc
Sun Feb 22, 2015 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Help me find my friend !
Replies: 31
Views: 3199

Re: To Fence ... Or Not?

Not to derail, but when I lived in the Midwest, neighbors always helped each other with snow removal--kind of a "I will shovel part of yours this time, because last time you shoveled part of mine..." Fast forward to CO, I tried to help out my neighbors a couple of times, they never recipr...
by tbradnc
Sun Feb 22, 2015 2:00 pm
 
Forum: Personal Consumer Issues
Topic: To Fence ... Or Not?
Replies: 93
Views: 8142

Re: electric toothbrush

retire2044 - may I ask you a dental question? Is using a Sonicare for longer than 2 minutes harmful to your teeth? The reason I ask (and here is a peek into my world) is that I have an evening routine of sitting and petting my dog while the Sonicare runs for 2 minutes. I enjoy it and usually run th...
by tbradnc
Sun Feb 22, 2015 12:51 pm
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2086

Re: Luxury Car

I guess if I was in the mood to buy any car on the market I'd get a Subaru Outback - I guess that doesn't count? :) I've owned and leased a few new BMWs over the years and have the luxury car bug out of my system. And now where I live in Appalachia parking a luxury car in the driveway would be a neo...
by tbradnc
Sun Feb 22, 2015 8:11 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5384

Re: electric toothbrush

retire2044 - may I ask you a dental question? Is using a Sonicare for longer than 2 minutes harmful to your teeth? The reason I ask (and here is a peek into my world) is that I have an evening routine of sitting and petting my dog while the Sonicare runs for 2 minutes. I enjoy it and usually run thr...
by tbradnc
Sun Feb 22, 2015 7:01 am
 
Forum: Personal Consumer Issues
Topic: electric toothbrush
Replies: 38
Views: 2086

Re: Citi Cash Rewards vs. Fidelity Amex

Oh, I'm not getting $75 per month. I'd say we charge $2k per month on the Fido Amex. Fortunately, BC/BS of TN allows our monthly health insurance premium to be paid via credit card - including American Express. Groceries go on the Amex Blue Cash Preferred, gas on Penfed Cash Rewards. Again, all thin...
by tbradnc
Sat Feb 21, 2015 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citi Cash Rewards vs. Fidelity Amex
Replies: 20
Views: 1872

Re: Returning a taxable gift.

Well.. it would get my attention if my mother gave one of my minor children $20k. (if I still had minor children...)

I'm not sure I'd surreptitiously redeposit in her account though. She's my mom - I'd take the check to her and ask her what in the world was she thinking...
by tbradnc
Sat Feb 21, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Returning a taxable gift.
Replies: 16
Views: 1125

Re: Returning a taxable gift.

I am not encouraging or suggesting anyone violate the tax code but why can't you just forget about it once you redeposit the money in your mother's account? What's the big deal? If I gave my son $20k and he gave it back a month later it would never occur to me that this was something that needed to ...
by tbradnc
Sat Feb 21, 2015 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Returning a taxable gift.
Replies: 16
Views: 1125

Citi Cash Rewards vs. Fidelity Amex

As if topics around these cards haven't been beaten to death I thought I'd ask if anyone has stopped using their Fidelity Amex after obtaining the Citi 2% (1%+1%) card. I applied for and was approved for the Citi card yesterday and am thinking that I'll use my Fidelity Amex very little once I receiv...
by tbradnc
Sat Feb 21, 2015 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citi Cash Rewards vs. Fidelity Amex
Replies: 20
Views: 1872

Re: CarsDirect didn't lead to dealers responding with prices

I'm confused as to why trying to pay what others are paying is such a good deal - don't most people overpay for cars because they are even less savvy than someone going off invoice? I really think your average car buyer is an easy mark. I think I'd still prefer knowing invoice, dealer holdback, and ...
by tbradnc
Sat Feb 21, 2015 1:33 pm
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: CarsDirect didn't lead to dealers responding with prices

denovo wrote:More broadly, the point is that the invoice is a USELESS reference point. When I've negotiated, I've never asked for the invoice price, don't need it, don't care, it has no value to me.


What then do you use as a starting reference point as far as price goes?
by tbradnc
Sat Feb 21, 2015 7:34 am
 
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 61
Views: 4378

Re: Changing Banks is a Royal PITA

Yes, it is a PITA, but you can smooth the transition if you can afford to keep both the old account and the new account well funded for about 2 months as you switch auto payments and ensure all checks on the old account have cleared. Maybe a good temporary use for some of your emergency fund $$$? S...
by tbradnc
Sat Feb 21, 2015 7:31 am
 
Forum: Personal Consumer Issues
Topic: Changing Banks is a Royal PITA
Replies: 11
Views: 1379

Re: 2 comma club (my way)!!

The first million is the hardest. :)
by tbradnc
Fri Feb 20, 2015 7:17 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 31
Views: 5034

Re: Reward checking account paying 3+% interest -- good idea

I had a look at this offer and quickly dismissed it.

It's a lot of work to get the highest rate and I'd have to make this my main checking account (I currently use a Fidelity Cash Management account.) I'm not willing to do that for a teaser promo with a $20k limit.
by tbradnc
Fri Feb 20, 2015 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Reward checking account paying 3+% interest -- good idea?
Replies: 5
Views: 853

Re: Credit Score got hit hard

Put the credit card on auto-pay from your checking account. Put bills you cannot auto-pay from the credit card on auto-pay from the checking account. Now, there is no reason you will "forget" to ever pay a recurring bill. If you can, put non-recurring bills on your credit card. If not, as...
by tbradnc
Thu Feb 19, 2015 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 3837

Re: Car Battery in Unusual Cold

Regardless of how new or old your battery is having a good set of jumper cables in the trunk - 16' long and at least 6 gauge IMO - is as important as having a tire jack.
by tbradnc
Thu Feb 19, 2015 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Car Battery in Unusual Cold
Replies: 87
Views: 3661

Re: Navy Federal $100 IRA bonus

tarnation wrote:It seems you can't do ACH "pulls" with them (except to open account). How are you folks getting money in?


Push from Ally here.
by tbradnc
Thu Feb 19, 2015 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal $100 IRA bonus
Replies: 8
Views: 714

Re: Sling TV experiences

Sling/Netflix/Hulu/Amazon/HBO streaming... it's getting expensive to be a cord cutter!
by tbradnc
Thu Feb 19, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 7
Views: 714

Re: Credit Score got hit hard

Our credit score dropped when we paid off our mortgage. After that, we had to take out a new credit card, which we did not want, and use it to build the credit back up into the 800s. Perverse incentives. Grrr. :annoyed My credit score bounced around between 760ish/795ish forever (no mortgage). I to...
by tbradnc
Thu Feb 19, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score got hit hard
Replies: 41
Views: 3837

Re: Some Changes Coming to Verizon Prepaid

My son will be glad to hear this.

It's fairly common knowledge that Verizon is really the only carrier option for many of us in rural areas. A $35 plan isn't a good deal if you can't send and receive calls. :)
by tbradnc
Thu Feb 19, 2015 7:43 am
 
Forum: Personal Consumer Issues
Topic: Some Changes Coming to Verizon Prepaid
Replies: 3
Views: 407

Re: A Special Message From Social Security

FWIW, all of the emails I receive from Vanguard Flagship Services <flagship@eonline.evanguard.com> have clickable links.
by tbradnc
Wed Feb 18, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6145

Re: A Special Message From Social Security

Lynette wrote:It does not contain any clickable links. Maybe they learned!


Same here.. In my gmail spam folder - no clickable links.
by tbradnc
Wed Feb 18, 2015 2:56 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6145

Re: What is the worst financial decision that you've made?

texasdiver wrote:Buying a big boat, worse yet, buying it new.

As many boat owners say, it would be cheaper just to stand in the shower and tear up $100 bills.


I've always heard it's better to have a friend with a boat than to buy a boat..
by tbradnc
Wed Feb 18, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14725

Re: What is your favorite consumer product?

Nutella baby!
by tbradnc
Wed Feb 18, 2015 12:55 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 147
Views: 8418

Re: Vanguard brokerage tax forms changed to late Feb. questi

What's the difference between what's reported on a brokerage 1099 and what you can get by logging into vanguard.com and clicking: Balances and Holding -> Brokerage Account -> Cost Basis -> Realized Gains and Losses -> 2014 Total If you have international funds, then there is a very big difference w...
by tbradnc
Wed Feb 18, 2015 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 86
Views: 5486

Re: Vanguard brokerage tax forms changed to late Feb. questi

What's the difference between what's reported on a brokerage 1099 and what you can get by logging into vanguard.com and clicking:

Balances and Holding -> Brokerage Account -> Cost Basis -> Realized Gains and Losses -> 2014 Total
by tbradnc
Wed Feb 18, 2015 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 86
Views: 5486

Re: HSA - how to keep receipts? And reimbursing for past cos

Regarding question 1 - As the services you're missing physical receipts for were rendered in the past year or so I'm pretty sure you could contact the provider and get copies of the statements. We were missing receipts from our dentist for 2014 and I just drove up to the office and had them print th...
by tbradnc
Wed Feb 18, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to keep receipts? And reimbursing for past costs?
Replies: 6
Views: 499

Re: Ironic Downside to Retirement Planning

I semi-retired before I retired by letting key employees run my business while I took longer and longer extended absences from being physically in the office. Finally, we moved out of state and during the last 4 years only visited the office a few times in person. Ultimately I sold the business to o...
by tbradnc
Wed Feb 18, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Ironic Downside to Retirement Planning
Replies: 17
Views: 2859

Re: Who buys short term CDs?

I suspect poster "dm200" explained. Retail investors (as are we) would never. That said, institutional investors (such as represented by "dm200") might. Basis points matter, and all that. For example, if I can walk up to a window and borrow from you at a rate of 25 bps, then wal...
by tbradnc
Wed Feb 18, 2015 6:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Who buys short term CDs?
Replies: 15
Views: 1481

Re: A Special Message From Social Security

Run your mouse cursor over the link and have a look at the domain it's pointed to.
by tbradnc
Tue Feb 17, 2015 2:25 pm
 
Forum: Personal Consumer Issues
Topic: A Special Message From Social Security
Replies: 68
Views: 6145

Who buys short term CDs?

I can't see the rationale for offering CDs that yield less than an online savings account - who/what is the market for less than a year CD products?

Do you think Ally sells many 3 month CDs yielding 0.30%? (for example)
by tbradnc
Tue Feb 17, 2015 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who buys short term CDs?
Replies: 15
Views: 1481

Re: Preparing for 2 months incommunicado

I think your plan is pretty good. And it's not like you're trudging off alone into the wilderness. If you decide you want to add an item you'll have ample opportunity to purchase it along the way. On my long hikes I'm constantly fine tuning what I have in my pack. I mail gear home, purchase new gear...
by tbradnc
Tue Feb 17, 2015 9:59 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6310

Re: University of Phoenix

Would you hire a person that received a BA from University of Phoenix? Yes, if I thought they were the right person for the job. I don't have a degree but I started and ran a multi-million dollar company for 22 years and I've interviewed quite a few job applicants who were very proud of where they ...
by tbradnc
Tue Feb 17, 2015 7:58 am
 
Forum: Personal Consumer Issues
Topic: University of Phoenix
Replies: 20
Views: 2208

Re: Anti-virus software on my MAC?

nisiprius wrote:Run ClamXAV every so often, cross my fingers, and call it good.


I do the same with the addition of running Adware Medic. http://www.adwaremedic.com/index.php
by tbradnc
Tue Feb 17, 2015 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1239

Re: Vision and Dental Insurance Question

After looking into it carefully I didn't replace our vision/dental when I sold my company.

These products, even though they're called "insurance" really don't insure very well. The only reason in the world to have them IMO is if someone else is paying for them.
by tbradnc
Sun Feb 15, 2015 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1515

Re: How much was your Tax Refund (or amount DUE)

$731 Federal (owed)
$878 State (owed - thanks Tennessee Hall Tax....)

And I'm in the 10% federal tax bracket with NO taxable income this year. I'm still trying to wrap my head around that after 2 decades of being in a 3*% bracket
by tbradnc
Sun Feb 15, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 101
Views: 6405

Re: What to do with 20K in cash?

If the $20k is your emergency fund, fund a rewards checking account like kasasa. Ours pays 2.5%. +1.. consumers CU pays 5.09% on $20k. Would you be able to provide a link to this Consumers CU account? The only Consumers CU I can find via google doesn't show it.. https://www.consumerscu.org/Rates/De...
by tbradnc
Sun Feb 15, 2015 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 20K in cash?
Replies: 21
Views: 2231

Re: Navy Federal $100 IRA bonus

It will take me about an hour to contribute $100 to an EasyStart certificate, get the bonus, and complete paperwork next year to roll the IRA over somewhere else. My time is worth a lot less than $100/hr, so I'll probably do it. Thanks for the pointer. With an EasyStart you have to sign up for dire...
by tbradnc
Sat Feb 14, 2015 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal $100 IRA bonus
Replies: 8
Views: 714
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