Search found 691 matches

by AAA
Thu Apr 27, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 78
Views: 6671

Re: "Invited" to change to Vang Brokerage

[quote="bloom2708" For most, it is simply a small change that you likely won't notice.[/quote]

When my Prime Money Market Fund was moved into the "new" account, I had to reapply for check writing privileges and it had to be done in paper mail.
by AAA
Sun Apr 23, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: My Doctor says I am "unusual" (declining some blood tests)
Replies: 51
Views: 6630

Re: My Doctor says I am "unusual" (declining some blood tests)

Does anyone else do anything like this? My dentist wants to do X-rays at every cleaning. I regularly decline. Once they said they'd quit treating me unless I agreed and I pointed out that you couldn't spit in this town without hitting a dental practice. So we do X-rays on my schedule, not theirs. L...
by AAA
Sat Apr 22, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5699

Re: Are people aware that Verizon email is being terminated?

I just went through the process. Moving my @verizon.net email address to AOL Mail was easy - just go online to Verizon email and it gives you the link to use. You are supposed to create a new password for AOL Mail (although I'm not sure what would happen if you entered your usual Verizon email passw...
by AAA
Thu Apr 20, 2017 5:05 am
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5699

Re: Are people aware that Verizon email is being terminated?

II hate POP! For me, it's actually nice to have vz.net on IMAP now. Thanks for confirming the incoming mail server. I don't know a lot about these things, but for me I'd rather my emails not remain on AOL's servers after I've read them. The advantage of IMAP seems to be that you can read your email...
by AAA
Wed Apr 19, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5699

Re: Are people aware that Verizon email is being terminated?

I use Postbox and Apple Mail on a Mac. All I had to do was change the IMAP and SMTP server names (and ports I think). One other slight difference is the user name isn't just the userid, it is the entire email address: Old User Name: bob Incoming Server: pop.verizion.net New User Name: bob@verizon.n...
by AAA
Wed Apr 19, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5699

Re: Are people aware that Verizon email is being terminated?

Is there a possibility of missing an incoming email while the transfer process to AOL is taking place? If so, how long might the blackout period be?
by AAA
Tue Apr 18, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Are people aware that Verizon email is being terminated?
Replies: 54
Views: 5699

Re: Are people aware that Verizon email is being terminated?

Got my notice from VZ yesterday about converting to AOL. Took less than 10 minutes and never had to touch my third-party email program settings. Logged into my email from the AOL site and everything is there. A lot less painful than I imagined. By third-party email program settings, do you mean pro...
by AAA
Tue Apr 18, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: WiFi Security
Replies: 4
Views: 552

WiFi Security

In her previous apartment building, my daughter used a cable modem with an Apple wireless base station to get WiFi. Her current building is apparently not wired and only building-wide WiFi is offered. What are the privacy/security implications of such a setup? Is each tenant usually given a separate...
by AAA
Sun Apr 16, 2017 11:07 am
Forum: Personal Consumer Issues
Topic: Insurance, doctors and writing off owed money
Replies: 21
Views: 1800

Re: Insurance, doctors and writing off owed money

how does the insurance record that DW paid the higher amount? They only billed her. They don't have proof of what (or how much) DW paid. I believe that when I used to have a flexible spending account, all I needed to demonstrate an expense was the insurance Explanation of Benefits or bill from the ...
by AAA
Sun Apr 16, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9113

Re: Why would anyone want to buy bond funds?

Not sure other than following some prescribed methodology why anyone would want to purchase bond funds at this point in time? People have been asking this for several years now. Some people moved to cash or shorter duration bond funds with this worry in mind and have consequently missed out on high...
by AAA
Sun Apr 16, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12028

Re: Do you have an umbrella policy?

I started out with $1M and gradually went up to $5M. Latter is maybe a bit excessive, but when I inquired this year I was told it would only save about $140 a year to drop down to $2M. So I kept $5M - would not be happy with myself should the insurance become needed and I missed out on $3M of covera...
by AAA
Sun Apr 16, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Please help me enter 1099-Q in TurboTax
Replies: 16
Views: 795

Re: Please help me enter 1099-Q in TurboTax

In years past, I had trouble when answering TT's questions about educational expenses and distributions, especially trying to reconcile the 1099-Q with the 1098-T. Eventually I just ended up skipping that whole section of the interview, or answering No to the question of whether I had received any o...
by AAA
Tue Apr 11, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Breaking up with my Financial Advisor
Replies: 37
Views: 2453

Re: Breaking up with my Financial Advisor

Just tell him that you have learned enough to take care of your own finances and don't need his services any longer. I inherited an account at a well-known brokerage firm and didn't bother to move it due to laziness as well as to avoid the termination fee. Finally, they raised their account fee to $...
by AAA
Tue Apr 04, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Mass mutual stable value fund rollover to vanguard
Replies: 4
Views: 271

Re: Mass mutual stable value fund rollover to vanguard

Nate79 wrote:I do not believe there are any stable value funds outside of 401k and other employer related retirement accounts.


That's also my impression, from having looked for such a few years ago. But what is the reason for this?
by AAA
Tue Mar 28, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 3118

Re: Geico insurance rate increase: 26.24% APY?

Traditional auto insurance does not give give much of a discount for low mileage cars. A car that is driven 1 mile a year will pay 80% the premium of a car that is driven 12,000 miles a year. That seems to defy logic as I would think risk of accident is approximately proportional to number of miles...
by AAA
Mon Mar 27, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15444

Re: So someone drained $13k from my checking account...

My advice is to be very, very careful about giving out your checking account information to anyone, including credit card companies and utilities. But every check we write has the bank's routing # and our account #, not to mention our name and address (usually) as well as our signature ! Exactly! Y...
by AAA
Mon Mar 27, 2017 11:17 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 3118

Re: Geico insurance rate increase: 26.24% APY?

I have insurance through AARP with Hartford. Our car usage went down significantly during last year and the kids became very infrequent drivers after moving away, so I was expecting some reduction. Got the renewal policy recently and there's a $200 increase instead. They said rates went up in my geo...
by AAA
Mon Mar 27, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 130
Views: 15444

Re: So someone drained $13k from my checking account...

mptfan wrote:My advice is to be very, very careful about giving out your checking account information to anyone, including credit card companies and utilities.


But every check we write has the bank's routing # and our account #, not to mention our name and address (usually) as well as our signature !
by AAA
Sun Mar 26, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

I've read and appreciate all the suggestions, even if I haven't responded to each individually. I'm mailing a letter tomorrow to the person I believe is also a relative and will await his reply before determining the next step. I tried calling the phone number I found for him but am getting a messag...
by AAA
Sat Mar 25, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Got in touch with the condo president today. He said my relative had a reverse mortgage, the bank took the unit after he passed and there was no equity in the property. He also said many months of condo fees were unpaid. The unit has been sold at this time and the new owners have not moved in yet. H...
by AAA
Sat Mar 25, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

I would speak to the condo board member to find out if he died in the condo or if he was somewhere else like in a hospital or nursing home. The one board member I already spoke with knew absolutely nothing about the circumstances, which is odd considering he lived there for 20-25 years. I am now tr...
by AAA
Fri Mar 24, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

If you don't want to do the recommended suggestions above, can you draw a family tree that shows relationships of people to each other, starting with the deceased's parents? We had another thread about a year ago about a deceased who apparently had sizable assets but had no heirs. A relative on the...
by AAA
Fri Mar 24, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Have you searched the clerk of court records for the county in which he died as I suggested in an earlier post? If you haven't then please do so as you might find a probate case was opened which could be the thread that helps you get all the answers you need. Yes I did. I called and discussed the l...
by AAA
Fri Mar 24, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Regarding the disposition of the condo I'm sure the bank has a time-tested approach. After months of non-payment, or a clue that the mortgage-holder was deceased, the bank could have started a formal foreclosure effort. Without any objection that would be done quickly. After foreclosing on the prop...
by AAA
Thu Mar 23, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Here where this stands - I was just able to speak with a condominium board member. My relative passed away several months ago. She said there were several months of unpaid condo fees, his apt. was foreclosed and already sold to someone else, his personal belongings were cleaned out and there was deb...
by AAA
Wed Mar 22, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Re: Administration of relative's estate

Gill wrote:Another possibility is to see if you can determine where his mail is going. Mail often gives many clues to a person's financial life.
Gill


My most recent mail to him was returned and marked "deceased," so it is apparently not going anywhere.
by AAA
Wed Mar 22, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Administration of relative's estate
Replies: 36
Views: 2675

Administration of relative's estate

I just found out via a returned letter that a close elderly relative of mine had passed away - close in the sense of relationship, but distant in terms of geography. I’m trying to find out what happened by contacting people that lived in his building in Florida, but so far no luck reaching someone w...
by AAA
Wed Mar 15, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1545

Re: Looking at refurbised desktop PCs

I recently bought a refurbished Dell desktop on eBay from an authorized seller (or whatever the proper term is) and it came with about a 2.5-year warranty, which was the remainder of the original 3-year warranty. This approach had been recommended to me by someone in a forum I frequent, and I've bee...
by AAA
Wed Mar 15, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2357

Re: PayPal - Any Disadvantages?

if you link any bank account, make sure it is not your primary bank..open an account at some local credit union with no fees, and use that to interface with paypal...Also.. don't link the new small account to your main account, make sure it is "hanging" out there.. and only has paypal tra...
by AAA
Tue Mar 14, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Temporarily registering new car at friend's address -- anything wrong?
Replies: 39
Views: 2264

Re: Temporarily registering new car at friend's address -- anything wrong?

The car dealer offers a better price if the car is registered in county B, than in A. Did they give you a reason for this? Why would they care where it was registered? You say that according to dealer, their corporate office limits them to sales within their region. Why would they? A sale is a sale.
by AAA
Tue Mar 14, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2357

Re: PayPal - Any Disadvantages?

if you link any bank account, make sure it is not your primary bank..open an account at some local credit union with no fees, and use that to interface with paypal...Also.. don't link the new small account to your main account, make sure it is "hanging" out there.. and only has paypal tra...
by AAA
Sun Mar 12, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question about income tax brackets
Replies: 3
Views: 654

Re: Question about income tax brackets



That thread appears to be relevant to my situation. Thanks.
by AAA
Sun Mar 12, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Question about income tax brackets
Replies: 3
Views: 654

Question about income tax brackets

I just finished my income taxes and decided to do a test by adding $100 to my W-2 income. I also did a separate test by adding $100 to a bank interest amount. In both cases, the tax due went up by $30, implying that I'm in a 30% bracket. The IRS charts show a 28% and a 33% bracket, but not 30%. I th...
by AAA
Sun Mar 12, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as tax loss harvesting if you are a boglehead?
Replies: 27
Views: 1947

Re: Is there such a thing as tax loss harvesting if you are a boglehead?

A related question - You get a tax break when you sell at a loss, but if what you exchanged into eventually goes up, don't you then have a higher tax bill if/when it is sold, and does that then in a sense negate the initial tax break?
by AAA
Thu Mar 09, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Understanding compound interest in roth ira
Replies: 8
Views: 819

Re: Understanding compound interest in roth ira

From my understanding, etfs and index funds in schwab (my custodian) only pay out dividends once per year at the end of the year. So.... if I waited and invested my full 5500 in November wouldn't it make no difference when I fund my IRA in terms of compounding interest? You need to understand the p...
by AAA
Wed Mar 08, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2339

Re: Safest way to encrypt pdf tax documents to send via email?

Windows = WinZip is an option Mac OS X = Built-in, but need to use Command Line to do it. Actually, with Mac OS if you open the pdf in Preview and then do File/Export, at the bottom of the window that opens is a checkbox to encrypt the document and then it will ask for a password. Nice! I didn't kn...
by AAA
Wed Mar 08, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: Safest way to encrypt pdf tax documents to send via email?
Replies: 40
Views: 2339

Re: Safest way to encrypt pdf tax documents to send via email?

BrandonBogle wrote:Windows = WinZip is an option
Mac OS X = Built-in, but need to use Command Line to do it.


Actually, with Mac OS if you open the pdf in Preview and then do File/Export, at the bottom of the window that opens is a checkbox to encrypt the document and then it will ask for a password.
by AAA
Wed Mar 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Getting auto/home insurance quotes
Replies: 6
Views: 714

Re: Getting auto/home insurance quotes

I will try an independent agent. I called twice to my current carrier to express concern about the renewal policy and question why it went up, to no avail. I called one of the well-known companies that boglerdood suggested an independent agent cannot check and, after answering all their questions, t...
by AAA
Tue Mar 07, 2017 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Getting auto/home insurance quotes
Replies: 6
Views: 714

Getting auto/home insurance quotes

Due to an unexpected price increase in my auto insurance, I think it's time to shop around for quotes. Usually over the phone you have to go through a long list of questions about the current coverage that you are trying to match. I would think it easier to just scan in the current policy and email ...
by AAA
Sun Mar 05, 2017 7:28 pm
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 1937

Re: TV and/or Speakers for Enhanced Voice Clarity

You can look into getting a sound bar to put either over or under her current tv - many of them are now under $150 and either are corded or Bluetooth. Even cheaper sound bars are often better than built in tv speakers and will direct the sound in front of the tv. A feature that may be helpful is cl...
by AAA
Sun Mar 05, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: The Joys Of Tax Season! :(
Replies: 55
Views: 4284

Re: The Joys Of Tax Season! :(

In my experience, returns involving more than one state are a pain, and the usual software programs seem to struggle with this.
by AAA
Fri Mar 03, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 912

Re: State wages (box 16) blank on W-2

Finally heard back from the payroll department. They say the W-2 is correct as is. That's fine. I will use the box 1 amount for my resident state and I will not be filing a non-resident return for the other state.
by AAA
Fri Mar 03, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 912

Re: State wages (box 16) blank on W-2

Your federal wages should always be taxable to your resident state. Since your W-2 had no pre-tax items, your federal taxable wage amount is the amount taxable to your state. Since no amounts need to be changed, your payroll department may not see the need for a corrected W-2. Okay, I'm starting to...
by AAA
Thu Mar 02, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 912

Re: State wages (box 16) blank on W-2

What type of "one-time payment" did you receive in the calendar year after the year of retirement? Bonus, unused vacation pay, something else? It was payment of variable compensation (bonus) pro-rated for the amount of time I had worked the previous year. I talked with the dept. of revenu...
by AAA
Thu Mar 02, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 912

Re: State wages (box 16) blank on W-2

I've never had anything other than a blank box 16 on my W2. But I live in a state that doesn't tax income. I think this is going to be highly dependent on the exact states involved. Which I don't think you've provided. Both my state of residence and the state I worked in have income taxes. That's w...
by AAA
Thu Mar 02, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 912

Re: State wages (box 16) blank on W-2

Still haven't gotten a response from payroll. Can someone just please let me know if a blank box 16 would invalidate the W-2 or is this acceptable?
by AAA
Wed Mar 01, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Gutter Replacement
Replies: 17
Views: 1670

Re: Gutter Replacement

Screens may reduce the need for periodic cleaning, but not eliminate it.
by AAA
Wed Mar 01, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 16311

Re: Possibly Financially Independent and Feeling Miserable

It's interesting to observe that people in some of the poorest nations of the world are in many cases more happy than those in high standard of living countries. It sounds like you, and many of us, prove that to be true.
by AAA
Wed Mar 01, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: State wages (box 16) blank on W-2
Replies: 12
Views: 912

Re: State wages (box 16) blank on W-2

In my case, the income is from another state, not my state of residence. You should be able to apportion the income to have it show up in the proper state return. I presume you are doing a non--resident return for the state where this income was earned, right? Also, if you are asking HR about a pay...
by AAA
Wed Mar 01, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Filing 1040X....Again?
Replies: 10
Views: 429

Re: Filing 1040X....Again?

jebmke wrote:... there usually is nothing to gain by filing early to begin with.


With all the IRS-related identity theft going on, one recommendation is to file early.

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