Search found 531 matches

by AAA
Fri May 27, 2016 8:21 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1477

Re: Staying Logged In

Pages are cached so seeing your name may not be indicative. Wonder if you can completely remove all bogleheads.org cookies, then reauthenticate. Perhaps there's a bad cookie? I periodically will clear out the browser - the problem does not seem to be related to the cookies. Can an administrator ple...
by AAA
Thu May 26, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 36
Views: 3231

Re: Vanguard Account Upgrade BROKEN; wrong MMF

There's some truth to the saying "if it ain't broke, don't fix it." Having done some programming for instrumentation and always being concerned about unintended consequences of any changes made, I can't imagine having the responsibility to implement the changes Vanguard is undertaking when...
by AAA
Thu May 26, 2016 7:57 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1477

Re: Staying Logged In

To test for this, go to Google and type "what's my IP". Jot down the number. Repeat every morning. If it keeps changing, then that would be a very plausible explanation for the issue. I monitored my IP address and it hasn't changed over the last 5 days. I remained logged in until this mor...
by AAA
Tue May 24, 2016 11:15 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1477

Re: Staying Logged In

I haven't had this problem,but Good God,people, if this is happening, just log in when you want to go to the site. If its value to you is less than that, then don't visit. Life is too short to obsess about small things like having to log in when you go to the site. Flame off. But apparently not too...
by AAA
Sun May 22, 2016 2:19 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1477

Re: Staying Logged In

As I mentioned, I do all the suggested things (https, not deleting cookies etc.) I will check out the IP address suggestions.
by AAA
Sun May 22, 2016 9:55 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 27
Views: 1477

Staying Logged In

Despite following all the advice given by administrators, entering my credentials and clicking "Remember me" does not keep me logged in for more than a day or so. I'm using Safari on a Mac, OS 10.10.5 When I went to the website today, it showed my username in the upper right hand corner, i...
by AAA
Sun May 22, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Vg Prime MM Fund vs. VG Ultra ST Bond Fund
Replies: 23
Views: 1574

Re: Vg Prime MM Fund vs. VG Ultra ST Bond Fund

I do not have any recent stories but do remember a few decades ago, when I was little less financially suave, that I took the word of a banking representative that his institution was in fine shape and the reason that they paid higher interest rates was because they could afford to with their optim...
by AAA
Sun May 22, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 188

Re: Pride in no inheritance to kids?

Does this mean you are going to work longer for the express purpose of increasing their inheritance. I ask because unless the inheritance is in a separate account(s) you don't touch or consider I don't really see the difference in this and just leaving the kids whatever is left over. I'm not sure w...
by AAA
Sat May 21, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Rollover - silly concern
Replies: 27
Views: 1698

Re: Rollover - silly concern

Odd that Fidelity won't do a direct transfer. I moved some of my 401K from Merrill Lynch to Vanguard last year and never touched a check.
by AAA
Thu May 19, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 188

Re: Pride in no inheritance to kids?

scienceguy wrote:I think alot about saving money for the express purpose of leaving them as much money as possible when my wife and I are gone.


I'm on your side. Of course "as much money as possible" does not mean depriving ourselves of some enjoyable things, as I am sure you meant.
by AAA
Wed May 18, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 42
Views: 3279

Re: $750 repair or buy new

Am I reading this correctly that the net cost to you to get a new laptop is $600? $1,600 less the $1,000 you'd get from selling it on Craigslist. I think he would have to have it repaired first before he could get the $1,000 from selling it. Cody: You said "they say I spilled some liquid."...
by AAA
Tue May 17, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Documentation requested for rental
Replies: 3
Views: 442

Documentation requested for rental

Later this year we may in the position to have to co-sign a lease. As someone who tries to be very careful with personal information, I am already dreading what may happen once it is in the probably not-well-protected computer system of some small rental office. I understand that they will want to d...
by AAA
Tue May 17, 2016 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Some HSA Questions
Replies: 2
Views: 476

Some HSA Questions

Say you and one of your children are on a high deductible plan. For 2016, the HSA contribution limits with catch-up are $7,750 and $4,350 for family and individual plans. 1. If the child will be going off of the plan Sept 1, would you calculate the maximum contribution for 2016 as 8/12 times $7,750 ...
by AAA
Mon May 16, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2097

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

Aside from energy considerations, isn't a sleeping computer less prone to hacking?
by AAA
Fri May 13, 2016 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Happy with Barclays savings account?
Replies: 49
Views: 15783

Re: Happy with Barclays savings account?

Manually type in barclays.com and then enter in your username and password. Wouldn't it be better to have barclay.com as a favorite/bookmark that you know is legitimate? Then you don't have to type it in each time with the possibility of a misspelling. EDIT - Ha, I did it myself by not including th...
by AAA
Sun May 08, 2016 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Any concern over money in Barclays bank?
Replies: 8
Views: 1086

Re: Any concern over money in Barclays bank?

I'm not concerned from a safety point of view - I've had several Vanguard brokered CD's from banks that failed and the funds were promptly placed in my account. It's maybe just a matter of convenience - if a bank fails and you get your funds you then have to reinvest them somewhere else.
by AAA
Fri May 06, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4266

Re: Do you check credit card statements?

What if their computer system has the charges all correct but does the arithmetic wrong? We all chose a boundary of trust. I once was trying to reconcile my monthly checking account statement from the bank and no matter how many times I did the math I couldn't get my balance to agree with the balan...
by AAA
Fri May 06, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4266

Re: Do you check credit card statements?

whodidntante wrote:I setup email notifications for each charge, and I check my email often. I find this easier than a manual check each month.


But what about a charge that shows up in error on your statement but wasn't sent as a notification? :?
by AAA
Thu May 05, 2016 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4266

Re: Do you check credit card statements?

surfstar wrote:Why? $0 fraud liability is still $0, whether they charged $1.21 or $12,100


But how would you know a fraud was committed unless you check the statement?
by AAA
Thu May 05, 2016 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4266

Do you check credit card statements?

We've been doing this for years. We sit down with the statement and a pile of receipts and check them off one by one. Over the years we've found a couple of issues. For example, there was a double billing for a gas station charge, duplicate entries one right after the other. I always figured that ev...
by AAA
Mon May 02, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Medicare help!
Replies: 25
Views: 2567

Re: Medicare help!

When I was approaching that time, I looked through Medicare for Dummies and got a good overview of things. The free booklet from Medicare may be just as helpful. One thing I always tell people in your position is that there is no annual out of pocket limit in traditional Medicare, so look into a Med...
by AAA
Fri Apr 29, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 570

Re: Determining state residency

Just to clarify - the person attending the out of state school is a dependent on my return. And this is not about qualifying for in-state tuition - there's an assistantship offer that includes that.
by AAA
Fri Apr 29, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 5712

Re: What's become of Consumer Reports?

I usually just bought the automobile issue but was disappointed when the format changed recently. Also, with regards to other items such as appliances and electronics, models would change every few months so that the recommended ones were often no longer available. You had to assume that models with...
by AAA
Fri Apr 29, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Determining state residency
Replies: 5
Views: 570

Determining state residency

The situation is - attendance at out of state graduate school starting this Fall. Doing 2016 taxes is a ways off, but we'd like to understand the situation at this time. Say A = current state of residence, B = state where school is located. So in 2016 there will be about four months living in state ...
by AAA
Wed Apr 27, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12316

Re: I Hate My Job: Politics at Work (Advice Needed)

Just to give the OP a little support here - from personal experience, it is very demoralizing to have someone else take credit for one's work. We are not at your workplace so we can't fully understand the politics in play. Just be guided by the fact that such things are not unique to there. As I men...
by AAA
Wed Apr 27, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12316

Re: I Hate My Job: Politics at Work (Advice Needed)

Rightly or wrongly, what you are experiencing is probably the norm. When I started my career, I was under a more senior person and he tended to portray whatever I did as a continuation of things he did in the past. While some overlap was unavoidable, as we were working in the same area, I felt it d...
by AAA
Tue Apr 26, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: I Hate My Job: Politics at Work (Advice Needed)
Replies: 108
Views: 12316

Re: I Hate My Job: Politics at Work (Advice Needed)

Rightly or wrongly, what you are experiencing is probably the norm. When I started my career, I was under a more senior person and he tended to portray whatever I did as a continuation of things he did in the past. While some overlap was unavoidable, as we were working in the same area, I felt it di...
by AAA
Sun Apr 24, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 6815

Re: Thinking about Mac (vs Windows)

azurekep wrote:
Ged wrote:Thanksgiving and Christmas is the time to buy deeply discounted computers and I'll snag either a Mac or a Windows 7 machine then -- though even Win7 business machines may no longer be on the market by then.


How much longer will Microsoft continue to support Win7 ?
by AAA
Thu Apr 21, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Service to simplify brokerage statements for mom?
Replies: 12
Views: 1016

Re: Service to simplify brokerage statements for mom?

I inherited a small account at a full service broker and frankly found their statements to be confusing myself, what with all the +'s and -'s. Maybe your mom only needs/wants to see the summary page listing the individual positions and their value, plus the total value of the account.
by AAA
Thu Apr 21, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Dividend Taxation
Replies: 7
Views: 487

Re: Qualified Dividend Taxation

I was shocked a couple of years ago when I finished my taxes and as a test added $100 to my income in the tax program. My refund reduced by $50, an effective 50% marginal tax rate. This can happen if you are claiming certain tax credits or deductions and your income is in the range where those benef...
by AAA
Thu Apr 21, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1545

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

kwan2 wrote:1st quarter due date here is April 20th, so do I mail a late Voucher, or just use the next quarter's voucher? guess I can give them a call :)


I would think what's relevant is how much you send and when it is received, not the actual voucher you use or even if a voucher is used.
by AAA
Thu Apr 21, 2016 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -
Replies: 24
Views: 2210

Re: Son was on spouse's enployer family plan health insurance,but ineligible soon- need input -

Some employer health insurance plans allow for continuation of coverage past age 26 for handicapped children. It would be worth at least asking about it.
by AAA
Wed Apr 20, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: State Estimated Taxes, Can I lump pay ? Anyone else do this?
Replies: 23
Views: 1545

Re: State Estimated Taxes, Can I lump pay ? Anyone else do this?

I do that for PA. I just use the first of the four forms they send me each year and pay the full estimated amount with it. No one has complained.
by AAA
Fri Apr 15, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with a Fidelity Financial planner, is it useful?
Replies: 39
Views: 3820

Re: Meeting with a Fidelity Financial planner, is it useful?

I recently transferred an inherited account I had at a full-service broker to Fidelity, to have a little diversification from Vanguard. When I first called to find out the procedure, I was surprised when the rep started asking me questions about my investment goals, assets, etc, which I politely dec...
by AAA
Mon Apr 11, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Social Sec Web Login
Replies: 7
Views: 725

Re: Social Sec Web Login

kenschmidt wrote:
HueyLD wrote:Call SSA for help.


Make sure you block off some time before you call as wait times often run 30-45 minutes and up.


True, but do they still offer to call you back at a later time? At least you don't have to stay on the line all that time.
by AAA
Mon Apr 11, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1688

Re: Document Retention

Ged wrote:NJ compensates for that by adjusting the amount of income you are taxed on when you withdraw. It is a record keeping nightmare.


Do you happen to know if the same applies to PA income taxes?
by AAA
Fri Apr 08, 2016 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1688

Re: Document Retention

New Jersey taxes contributions to IRAs and 401Ks. This year was the first year I had IRA withdrawals. In order to calculate my state taxes on my IRA withdrawals I had to go back the 24 years I've lived in NJ to get my IRA and 401K contributions. Fortunately I had this in my files. If you live in a ...
by AAA
Fri Apr 08, 2016 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax problems with state taxes--income tax to other states
Replies: 4
Views: 459

Re: TurboTax problems with state taxes--income tax to other states

I worked in one state and lived in another. My W-2 listed income for the first state and a higher amount for the second (as it doesn't allow for before tax contributions to 401K plans). The tax programs always required fine tuning when it came to doing my resident state return as it ADDED the two W-...
by AAA
Fri Apr 08, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Document Retention
Replies: 13
Views: 1688

Document Retention

Our township is having a recycling day that includes a commercial paper shredder. I would like to get rid of a lot of stuff I’ve accumulated over the years but want to make sure to not permanently lose any useful information. Any input/encouragement on the following is appreciated: o Old credit card...
by AAA
Fri Apr 08, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: IRS cashed unsigned check
Replies: 40
Views: 4325

Re: IRS cashed unsigned check

I get a kick out of the store credit card processors that require an onscreen signature for amounts over $25. No matter how badly I sign the screen it goes through. I have used straight up and down lines or even "John Hancock" yet it always goes through :oops: I was taken back a bit when ...
by AAA
Thu Apr 07, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1139

Re: How do you use AmEx reward dollars to pay bill?

Our Amex card allows you to select a cash credit on the next bill. Maybe you should call customer service.
by AAA
Thu Apr 07, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2976

Re: Anything to look for when buying a fridge?

I can tell you some of the annoyances I have with our current Whirlpool: o The inside light at the top has no guard around it (I had called Whirlpool to see if a part was missing and they said there is no guard). So I always have been avoiding putting bottles on the right side of the top shelf out o...
by AAA
Mon Apr 04, 2016 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contibution Rules
Replies: 8
Views: 553

Re: Roth IRA Contibution Rules

The $183,000 limit for 2015 for full Roth contributions was combined MAGI (Modified Adjusted Gross Income). Your MAGI is your income minus some adjustments and exclusions [401(k) contributions, student loan interest, etc.] plus any tax-exempt interest. If you're close, you just have to go through t...
by AAA
Thu Mar 31, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Photography business early stage, tax and other
Replies: 16
Views: 1011

Re: Photography business early stage, tax and other

I second the suggestion to analyze the viability of the business. It's a very difficult field these days. The last "event" I went to, a luncheon for someone turning 80, was attended by about 50 people and a relative took all the photos with his mid-range DSLR. A lot of news organizations h...
by AAA
Thu Mar 31, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 9173

Re: leaving vanguard due to math errors / poor customer service?

...4. As for keeping it simple? Why are they forcing people to move to brokerage accounts?... Are they forcing it? When someone I know did it, they found it inconvenient as they had to apply in snail mail for check writing privileges with the new MM account. Not sure why they couldn't just carry th...
by AAA
Thu Mar 31, 2016 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 9173

Re: leaving vanguard due to math errors / poor customer service?

I was thinking for a while now to move an inherited IRA from one of the major brokerage firms because of the fees. I decided today to move it to Fidelity, where I already have some assets, based on my leaning toward not having everything in one basket and maybe a little nudge from reading this threa...
by AAA
Tue Mar 29, 2016 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: corrected Consolidated Form 1099
Replies: 18
Views: 618

Re: corrected Consolidated Form 1099

...As for identity theft, I don't see how filing a tax return is going to prevent someone from getting a credit card in my name. I was referring specifically to identity theft related to income taxes. Some people file their return and then get notified by the IRS that a return has already been file...
by AAA
Mon Mar 28, 2016 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: corrected Consolidated Form 1099
Replies: 18
Views: 618

Re: corrected Consolidated Form 1099

In today's world one needs to consider identity theft, which is becoming an increasing problem with the IRS. The advice for that is to file as early as possible.
by AAA
Thu Mar 24, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: CD's in secondary market
Replies: 3
Views: 351

Re: CD's in secondary market

In looking at prior threads, the disadvantages of buying cd's in the secondary market include loss of FDIC protection if the bank fails and you purchased the CD above par and a commission charged at purchase time. Anything else? This does not sound right. I would think that the par amount would rem...
by AAA
Thu Mar 24, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: CD's in secondary market
Replies: 3
Views: 351

CD's in secondary market

If a CD is offered above or below par value, does the quoted yield to maturity include the loss or gain you get when the cd matures? When a CD that is bought above/below par matures, do you have a capital loss/gain at tax time? Are there complications here, such as having to file something each year...

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