Search found 609 matches

by AAA
Sun Dec 04, 2016 9:39 am
Forum: Personal Consumer Issues
Topic: Help me replace my beloved shoes...
Replies: 8
Views: 1067

Re: Help me replace my beloved shoes...

Your current shoes look like an Ecco pair I had a few years ago. Here's one from their present lineup (not cheap): http://us.shop.ecco.com/mens-biom-fjuel-train-837514.html?dwvar_837514_color=01001 Here's a more reasonable one from Clarks (with a 20% off sale going on): http://www.clarksusa.com/us/m...
by AAA
Sun Nov 27, 2016 11:48 am
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 57
Views: 4872

Re: Why do reviewers love the Dell XPS 13 but users don't?

Interesting how people look at reviews. I first focus on the 1 star reviews myself. As for the Dell XPS, I noticed the same thing when I was looking at that laptop. But all the other laptops I considered generally had about 10% 1 star reviews also. The 2016 base 13-inch MacBook Pro has 16% 1 stars, ...
by AAA
Tue Nov 22, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2116

Re: TLH CA Bond Funds?

With most Vanguard bond funds, dividends are accrued daily so you don't have to take the six-month waiting period that has been described elsewhere for tax-exempt investment vehicles. Could you elaborate on this? If you have a reinvested dividend on, say, Oct. 1 and you sell the whole position on, ...
by AAA
Tue Nov 22, 2016 8:09 am
Forum: Investing - Help with Personal Investments
Topic: TLH CA Bond Funds?
Replies: 38
Views: 2116

Re: TLH CA Bond Funds?

There are some complications with TLH of municipal bond funds. Here is a thread from a few years ago. Not sure if the law has changed since then: https://www.bogleheads.org/forum/viewtopic.php?t=3778 "...part (or all) of your tax loss on the sale of a Muni Bond fund is disallowed if a) you held...
by AAA
Sat Nov 19, 2016 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

My advice is to use tax software. For example, TurboTax will ask you the appropriate questions about if you earned income in multiple states. I've been bitten by this before by trying to download the state tax forms and do it myself. The software is good at extracting the information from the feder...
by AAA
Fri Nov 18, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

Come on people...here I thought I had resolved everything and now I'm confused again. :annoyed He is not a part year resident of X, he is a non-resident. Two different reps of state X's dept. of revenue say he is a resident, according to their criteria. They said he should fill out a resident return...
by AAA
Thu Nov 17, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

After talking to dept. of revenue reps in both states, I just thought I'd close the loop here by summarizing what I plan to do. It's along the lines of what Beth and others wrote. According to our state, what I called Y, my son is still considered a resident as he is living in state X just because h...
by AAA
Fri Nov 11, 2016 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

Most states allow a person to temporarily reside in the state while working on a degree without becoming a resident of the state. My daughter is currently a graduate student in a different state from the one I live in. She chose to remain a resident of my state because she did not know if she wante...
by AAA
Thu Nov 10, 2016 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

Investment income from an intangible asset (such as a brokerage or bank account) is considered to have a source where you live, so it would only be taxed by your state of residence at the time the income was paid. If he changed his legal residence from X to Y in August, then income earned through J...
by AAA
Thu Nov 10, 2016 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

I'm not sure how to determine if he "really" moved. Is it really up to him and what he considers himself as? He'll be out there for a couple of years working on a graduate degree. Most states allow a person to temporarily reside in the state while working on a degree without becoming a re...
by AAA
Wed Nov 09, 2016 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Re: Help me to understand part-year resident state tax obligation

Did he really move or is this a temporary absence and he still considers himself a resident of Y? You normally pay tax where the income is earned. X in this case (as a non-resident). Then file with Y and get a credit . If he really moved he would only pay tax to X (assuming he had no income in Y). ...
by AAA
Wed Nov 09, 2016 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Help me to understand part-year resident state tax obligation
Replies: 34
Views: 2102

Help me to understand part-year resident state tax obligation

My son moved to another state (let's call it X) from our state (let's call it Y) as of 8/1/16 and started earning income doing work for his school in the Fall term. I just got off the phone with X's income tax office and they informed me that he would be considered a resident of X for 2016 income ta...
by AAA
Tue Nov 08, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare, Ugh
Replies: 34
Views: 2010

Re: Medicare, Ugh

My goal will be to get whatever combination of Parts A, B, C, D, XYZ, Medicare Advantage, Medigap, etc., that creates the least bureaucratic hassles... I would think a Medicare Advantage plan with drug coverage would be the simplest all-in-one plan. Before starting, I read Medicare For Dummies, whi...
by AAA
Fri Nov 04, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds --- Risk Factor -- Appreciate Insights
Replies: 12
Views: 772

Re: Bonds --- Risk Factor -- Appreciate Insights

Gatewood wrote:Golfing with some friends I was assailed for holding 50% of my portfolio in bonds (anticipate Fed rate hike)


We've been hearing about this hike for years.
by AAA
Thu Oct 27, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Input on Independence Blue Cross
Replies: 0
Views: 522

Input on Independence Blue Cross

I'm in the process of comparing Medicare Advantage plans for 2017. In addition to all the financial considerations, I am not at all happy with my current provider's customer service. When you call, you are forced to listen to a bunch of recorded disclaimers, the reps are in a noisy call room and it'...
by AAA
Mon Oct 24, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 6295

Re: Declining Service Expectations. Are there any excellent companies still out there?

Ace hardware gives great service. At my local store if they don't greet you at the door to help you find what you are looking for they will radio someone with what aisle you went down so they can help you find what you need. Sometimes the "Can I help you?" or "What are you looking fo...
by AAA
Mon Oct 24, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: Declining Service Expectations. Are there any excellent companies still out there?
Replies: 81
Views: 6295

Re: Declining Service Expectations. Are there any excellent companies still out there?

This scenario seems to be more and more typical: you call a company and get a rep who is obviously in a call room with a large number of other reps. Due to the noise, it's hard to hear the rep you are talking to, plus sometime there is a hard to follow accent or a poor phone connection. You ask a qu...
by AAA
Sat Oct 22, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Replacement Windshield Wiper Blades
Replies: 38
Views: 3022

Re: Replacement Windshield Wiper Blades

A word of caution - when you extend the wiper arm to remove the old blade, put something down on the windshield in case the arm suddenly drops down (a towel, piece of wood or whatever). The bare metal striking the windshield can break the glass. I'm speaking from experience.
by AAA
Sat Oct 08, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 6442

Re: Retirees: What are your passions?

Not having to go to work. Especially the early morning part of that.
by AAA
Sat Oct 08, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 3716

Re: Camera recommendations- Not SLR

pondering wrote:A way to do the is to search by camera on Flickr and see which pictures you like best. I would include cell phones in your search.


But how do you know how much of the photo was due to the camera vs. the photographer?
by AAA
Sat Oct 08, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare as secondary to employer plan
Replies: 11
Views: 898

Re: Medicare as secondary to employer plan

Be aware that if you sign up for Medicare you can no longer contribute to an HSA.
by AAA
Sun Oct 02, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: eBay?
Replies: 32
Views: 2303

Re: eBay?

Sometimes I need a small item, like a cable or adapter, and although it's available on Amazon it's far from meeting the requirements for free shipping. I often can find these on eBay with free shipping. I also search there for books. You just have to check out the seller's feedback. As far as sellin...
by AAA
Sat Oct 01, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Nonstick pots and pans, what is the consensus?
Replies: 45
Views: 3905

Re: Nonstick pots and pans, what is the consensus?

Of the pans that we have that are non-stick, we've gone from Teflon based ones to ceramic ones but they don't seem to last more than a few months - scratches in surface.
by AAA
Fri Sep 23, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Anyone use Mac OS El Capitan with Photoshop CS6?
Replies: 9
Views: 417

Re: Anyone use Mac OS El Capitan with Photoshop CS6?

I am hardly an Adobe fan, but I have to say that I am glad to have purchased Photoshop CC, which for $10 a month also includes Lightroom. Several years ago I purchased a copy of PS 7 on eBay and immediately found that it didn't recognize my camera's raw files since Adobe didn't update Camera Raw in ...
by AAA
Fri Sep 16, 2016 4:41 pm
Forum: Forum Issues and Administration
Topic: How can you remove a thread from "Your Posts?"
Replies: 10
Views: 1254

Re: How can you remove a thread from "Your Posts?"

in_reality wrote:Did you try "unsubscribe topic" from the wrench icon on the thread page?


That option is a bit confusing and anyhow, based on the moderator's post, it does not do what I wanted.
by AAA
Thu Sep 15, 2016 8:27 pm
Forum: Forum Issues and Administration
Topic: How can you remove a thread from "Your Posts?"
Replies: 10
Views: 1254

Re: How can you remove a thread from "Your Posts?"

I take it from the underwhelming response that it is not possible. I guess I will be seeing "What Movie Have You Recently Watched?" in the list from now until eternity.
by AAA
Mon Sep 12, 2016 7:10 pm
Forum: Forum Issues and Administration
Topic: How can you remove a thread from "Your Posts?"
Replies: 10
Views: 1254

How can you remove a thread from "Your Posts?"

The title says it all.
by AAA
Sat Sep 10, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: Archiving Videos
Replies: 22
Views: 1337

Re: Archiving Videos

Just as a point of reference for the discussion of durability of media, I had to laugh when I realized that the oldest VHS tapes that I digitized are about 28 years old. Most of them played well in the two VCR's that I have. Only a couple gave me some trouble during playback. One had some nasty whit...
by AAA
Fri Sep 09, 2016 7:34 pm
Forum: Personal Consumer Issues
Topic: Archiving Videos
Replies: 22
Views: 1337

Re: Archiving Videos

Folks, I appreciate the advice about cloud storage but as I said in my original post that is not something I would prefer. So to get back on track and focus on media, I notice that m-discs come in DVD or Blu-Ray versions. While the latter has more storage capability, it seems that Blu-Ray hasn't rep...
by AAA
Fri Sep 09, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

I still don't understand how receiving a text message verification code on my cell phone proves anything to Google about who I am. It doesn't and isn't meant to. What it does is ensure you aren't a robot compromising accounts to send out phishing emails. So in that case asking me to type in some sc...
by AAA
Fri Sep 09, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

This almost certainly has nothing to do with Google trying to get you to use 2fa. It almost certainly has something to do with the fact that somebody has either compromised your account or attempted to. Or at least, Google thinks one of those two thinks might have happened (Google is sometimes wron...
by AAA
Thu Sep 08, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Archiving Videos
Replies: 22
Views: 1337

Re: Archiving Videos

jamesb124 wrote:I also explored was to use archival M-Discs. They have 100GB discs (BDXL). The drives are cheap but the discs can get pricey.


I'd only need a few of the 4.5 GB ones to have two copies of each video.
by AAA
Thu Sep 08, 2016 2:51 pm
Forum: Personal Consumer Issues
Topic: Archiving Videos
Replies: 22
Views: 1337

Re: Archiving Videos

Why aren't you interested in a cloud based solution, the one solution that can withstand destruction of all the media you have around your house or where ever it is stored? I guess it's a matter of having the items under my control and not with some outside entity. And how is the cloud exempt from ...
by AAA
Thu Sep 08, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: Archiving Videos
Replies: 22
Views: 1337

Archiving Videos

I have mp4 files of my family totally about 18 GB and am trying to decide on the best medium to store them. I was originally planning to write them off to DVD's, either as computer files and/or as DVD's that you could put into a DVD player, using iDVD on my Mac. Of course, with all media and formats...
by AAA
Wed Sep 07, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3583

Re: Favorite Vegan Products

The Tofurkey sausages are very tasty (the slices not so much). In line with some of the comments above, it has a lot of salt. We use a half a sausage as one serving.

In addition to tofu, seitan is useful for many dishes.
by AAA
Wed Sep 07, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3583

Re: Favorite Vegan Products

boomergeneration wrote:I highly recommend the book How Not to Die by Dr. Michael Greger for all you want to know about a plant-based diet with the scientific evidence to back it up.


Not familiar with that one. The China Study is the "bible" for me.
by AAA
Tue Sep 06, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

Some more information - If I don't do the phone number input there's another path where Google can help you log in. Trying that, it first asked the month and year that the account was established. I didn't know that so I tried the next option: "Enter an email to receive a verification code. Thi...
by AAA
Tue Sep 06, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

^I don't see how you can know they are pretending. You yourself said you use this account "once in a while." How can you tell if this account has been compromised? That's true, I guess there's some inherent distrust of large entities like Google at play here. But the message could have be...
by AAA
Tue Sep 06, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

Some people use a gmail account in order to remain anonymous. Giving Google their phone number negates that advantage.
by AAA
Tue Sep 06, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

google is trying to set you up for two-factor authorization so that there is much less chance of somebody hacking into that account. You should give them your cell phone number for this purpose, so they can send you a text message with the second factor of the two-factor protocol. You do this alrea...
by AAA
Tue Sep 06, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Re: Google trying to get my phone number

The cool thing is, if you so desire, you can still enjoy two-factor authentication without giving out your phone number to Google, since there are alternatives. You can use either the software token, or one-time-use codes. Go to the two-factor authentication setup of your account, and you will see ...
by AAA
Tue Sep 06, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Google trying to get my phone number
Replies: 39
Views: 3183

Google trying to get my phone number

I have a gmail account that I use once in a while. Last time I tried to log in, I got a message saying that there's something unusual about how I'm signing in and asking me to provide a phone number to get a verification code by call or text message. What's going on here? There was nothing at all un...
by AAA
Fri Sep 02, 2016 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Some urgent health insurance questions
Replies: 22
Views: 1735

Re: Some urgent health insurance questions

So let me see if I have all this straight - If you leave your job, you can enroll in an ACA plan outside of the regular enrollment period. If you apply up to the 15th of the month, your coverage will start the first of the next month. I believe this special enrollment period runs for 60 days. That i...
by AAA
Thu Sep 01, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Some urgent health insurance questions
Replies: 22
Views: 1735

Re: Some urgent health insurance questions

Your daughter can wait up to 60 days from termination of employment, and then elect COBRA retroactively if needed. See https://www.cms.gov/CCIIO/Programs-and-Initiatives/Other-Insurance-Protections/cobra_qna.html . I'm curious about this. Suppose you don't pick up COBRA right away and go to a in-ne...
by AAA
Wed Aug 31, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Some urgent health insurance questions
Replies: 22
Views: 1735

Re: Some urgent health insurance questions

Great information - thanks all. Another question, about potential tax credit for an ACA plan if she moves back home - are her parents' income included in "household income?" I would think so, but this list of Who to Include in Your Household: https://www.healthcare.gov/income-and-household...
by AAA
Wed Aug 31, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Some urgent health insurance questions
Replies: 22
Views: 1735

Re: Some urgent health insurance questions

michaeljc70 wrote:Is she under 26? Can you add her to your plan temporarily?


No.
by AAA
Wed Aug 31, 2016 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Some urgent health insurance questions
Replies: 22
Views: 1735

Re: Some urgent health insurance questions

Our HR pro has told me that people who take COBRA when they quit can choose to stop paying before the max 18 months and then switch to an ACA plan. They don't need to wait for an open enrollment period. Your HR pro is wrong, they are not so pro afterall. Take a look at this: https://www.healthcare....
by AAA
Wed Aug 31, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Some urgent health insurance questions
Replies: 22
Views: 1735

Some urgent health insurance questions

Due to an unacceptable situation at work, my daughter will be quitting soon. The main concern right now is health insurance, so I'd appreciate some timely advice as my only experience is with employer-provided plans. 1. Does COBRA only apply is someone is laid off or are you entitled to this if you ...
by AAA
Wed Aug 24, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 3422

Re: Internet security: which is the lesser of 2 evils?

Our employer told us that limited personal use of their computing facilities was okay. I still avoided doing any financial transactions, checking accounts, etc. The reason - we were also told that employer had the right to monitor our activity. I worried that there could be a keystroke logging progr...

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