Search found 768 matches

by fsrph
Mon May 02, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: Ally's Webroot Secure anywhere Antivirus software - any good?
Replies: 6
Views: 439

Ally's Webroot Secure anywhere Antivirus software - any good?

Maybe it's known by many here, but I just saw where Ally offers free Antivirus software. It's called Webroot Secure anywhere. It seems to get good reviews. Anyone use it? Satisfied? Can this be the only product you use or do you have to add anti malware?

Francis
by fsrph
Mon Apr 18, 2016 5:54 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4069

Re: How Did You File Your Income Taxes for 2015?

Long time TurboTax user. Used TaxAct for the first time this year. Generally satisfied with TaxAct and will use it again. Saved money over TurboTax too.

Francis
by fsrph
Fri Apr 15, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: centurylink raising prices while under contact
Replies: 15
Views: 1408

Re: centurylink raising prices while under contact

I'm not sure they're much you can do. Except switch providers if possible. I signed up with Verizon for a 2 year price guarantee on internet and landline. After 1 year they started charging me more. Not a lot more, maybe $5 more/month. I called and explained and got nowhere. They said my package is ...
by fsrph
Wed Apr 06, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: Chimney repair - who to call?
Replies: 7
Views: 809

Chimney repair - who to call?

Have a chimney that needs repair. There is a plaster coating around the chimney. It is slowly cracking and breaking off in small pieces. Also I have a small leak around the chimney during heavy rain. Have to go up the attic to see it. Maybe from the flashing around the chimney? Who would be best to ...
by fsrph
Mon Apr 04, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - Tax exempt dividends not correct on State return
Replies: 6
Views: 620

Re: TaxAct - Tax exempt dividends not correct on State return

This is so timely; I saw this and contacted Schwab. The 1099-DIV has no information re. state-specific tax exempt interest My only fund for this is SCMTX Deutsche Intermediate Tax/AMT Free fund It contains 2.1% PA muni bonds. Do I automatically calculate the total tax-exempt federal dividends and m...
by fsrph
Mon Apr 04, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - Tax exempt dividends not correct on State return
Replies: 6
Views: 620

Re: TaxAct - Tax exempt dividends not correct on State return

I received an answer from TaxAct - and it works. Maybe this can help someone else down the road. I entered the Federal and State exempt dividends on the Federal return. When it populated the state return it carried over the dividend amount but did not carry over the amount of state exempt dividends....
by fsrph
Sun Apr 03, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct - Tax exempt dividends not correct on State return
Replies: 6
Views: 620

TaxAct - Tax exempt dividends not correct on State return

First time using TaxAct this year. Anyone having problems with tax exempt dividends not being recognized of your state return? I have Dividend income that is tax exempt. It is 100% Federal tax exempt but only partially tax exempt for my Pennsylvania return. I added this to the Federal return and fil...
by fsrph
Sun Mar 20, 2016 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

The OP is asking two questions: 1. What triggered retirement for us, individual respondents? 2. Why should one consider retirement? The 1st question has a straightforward answer. In my case, it was the desire to spend my time the way I wanted to spend it. The 2nd question has many possible answers....
by fsrph
Sun Mar 20, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

If you're wondering, no I do not like my job. Or I should say the job changed so much I can no longer tolerate it. Management has gone out of their way to make work difficult for me. However, I am good at the job and it does pay well. I'm just adding to the savings pile of which I already have more...
by fsrph
Sun Mar 20, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

Ron wrote:My work BS bucket became full (actually it was overflowing) at age 59, so I retired.

That was 9 years ago; I couldn't be happier :mrgreen: ...

- Ron


I know exactly what you're saying. Except my BS bucket is a 55 gallon drum.

Francis
by fsrph
Sun Mar 20, 2016 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

I retired last summer just before I turned 59. In my early 50's I had a year where I went to three funerals of neighbors and acquaintances that were more or less my age. I wan't especially close to any of them but it can't help but make you wonder how much longer you have. I have also seen relative...
by fsrph
Sun Mar 20, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: What triggered you to retire?

fsrph: "What triggered me to retire?" I'll tell you briefly: I worked for the U.S. Small Business Administration for 19 years ending up Chief of the South Florida Finance Division. I saw my agency grow into a large bureaucracy whose primary purpose was to make government direct loans to s...
by fsrph
Sun Mar 20, 2016 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

If your work doesn't bring you pleasure, is there a way to change it into a job that will or would retiring being you more pleasure? Only you can answer such questions. Sure I could work for another employer. I think the best course, employment wise, it to do nothing for awhile, maybe a long while....
by fsrph
Sun Mar 20, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

My situation was similar to yours, except that it sounds like yours actually is worse. It's not that management went out of its way to make things difficult for me, just that work had become less and less fun over the years, and I saw co-workers getting into even less-fun work situations. The cultu...
by fsrph
Sun Mar 20, 2016 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

For me, it was time to leave the company where I had worked for 9 years. We had been acquired a few years before, and the mega-corp that we were now part of wasn't how I ever wanted to work. I stuck it out for as long as I could, but after the umpteenth reorg, I was now reporting to a remote boss w...
by fsrph
Sun Mar 20, 2016 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

If you dislike your job and can afford to retire, why are you still working? Once retired you have complete control over your time, the most precious, finite resource that nobody can buy. The reason why I retired, and very early, was simple: I enjoyed having complete control over my time much more ...
by fsrph
Sun Mar 20, 2016 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Re: Early Retirees - What triggered you to retire?

Do you have hobbies outside of work? If you don't like your job and management is making your life difficult and you have more than enough assets to retire, you should start planning your retirement as soon as humanly possible. Maybe you still work because you fear the unknown. You may be concerned...
by fsrph
Sat Mar 19, 2016 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 96
Views: 10070

Early Retirees - What triggered you to retire?

What was your decision of early retirement based on? Was there a triggering event (other than having enough money to do so)? I'm asking because I could easily retire financially yet I'm still working full time. I'm 56 and could retire on 1 to 1.5% withdrawals rates. Plus, I can collect a pension at ...
by fsrph
Thu Mar 17, 2016 11:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 319805

Re: What Movie Have You Recently Watched?

Star Wars - The Force Awakens
The Revenant
10 Cloverfield Lane
by fsrph
Thu Mar 17, 2016 9:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Healthcare Fund
Replies: 9
Views: 1382

Re: Vanguard Healthcare Fund

Brian B wrote:I have noticed that the Vanguard Healthcare Fund has taken a beating lately. Any idea why?


Maybe some uncertainty with the upcoming election? All the politicians mention containing health care inflation and drug prices. If it ever comes to be no one knows.

Francis
by fsrph
Tue Mar 01, 2016 6:01 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

My PFCU card has been hacked twice. Both times where when I made a road trip and I took advantage of the 5% cash back on gas. I also used the card in restaurants where the waiter takes the card to run the payment. I now use one dedicated low limit card anytime I have to hand the card to someone, or...
by fsrph
Tue Mar 01, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

I am interested to know if OP booked any travel arrangements 1-3 months prior to the hack using any of your credit cards. It happened to me, I read it happened to a few other posters here, and I just saw it in the consumer help article in the local paper last week. All booked some sort of travel, w...
by fsrph
Tue Mar 01, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

OP, is this the 5% cash back "gas card"? Do you frequently use a particular gas station? I'd change gas stations for a month-six weeks and see if that works. Same for other frequent sites, I guess, but I always think gas stations when I think PenFed. Your card(s) could be getting compromi...
by fsrph
Mon Feb 29, 2016 7:32 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

My guess would be it is somewhere that you frequent in person and pay by credit card. I probably go two or three years before my card gets hacked and it is always the card I use for in person purchases. The different card I use for internet purchases or re-occuring bills has never gotten hacked tho...
by fsrph
Mon Feb 29, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

Not sure what your bad luck is. Here is something I do to keep things in compartments. Then when something goes wrong, it is easy to spot and easier to track down and pretty easy to fix. I have a CC I keep with me. If I make a purchase in person, I use that card. I have a CC I use only for internet...
by fsrph
Mon Feb 29, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

Rupert wrote:If so and that's not it, I might stop using the Penfed card and use cash or another card for a while to see if the problem goes away.


All three times I was waiting for a new Penfed card I used a backup Mastercard credit card. No problems with the Mastercard.

Francis
by fsrph
Mon Feb 29, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Re: Credit card compromised three times in three months

Are you certain it's been compromised, i.e., did you discover fraudulent purchases on your bill, or is Penfed just replacing the cards because they've been notified by some company or companies of data breaches? Yes, fraudulent charges on all three cards. In fact that's how I find out about it - Pe...
by fsrph
Mon Feb 29, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Credit card compromised three times in three months
Replies: 25
Views: 1865

Credit card compromised three times in three months

I know it's easier nowadays for criminals to get access to your credit card info but this is getting a little ridiculous. I have had my credit card compromised THREE times since the end of December. It's a Penfed chip card if that matters. I have never lost the card. Penfed just keeps sending me a n...
by fsrph
Fri Feb 26, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: Mice and termite issues
Replies: 32
Views: 2107

Re: Mice and termite issues

Simple snap traps baited with peanut butter works great. Inspect around the outside of the house for any possible entry points. Stuff them with steel wool. Most importantly you have to be thorough in keeping all food sources away from the mice. Don't store food in the cellar. Don't let crumbs, even ...
by fsrph
Wed Feb 24, 2016 6:11 pm
Forum: Investing - Theory, News & General
Topic: Valor Credit Union - 1 more deposit
Replies: 22
Views: 1967

Re: Valor Credit Union - 1 more deposit

There's a good summary of this issue at Depositaccounts.Com (written by Ken Tumin).
https://www.depositaccounts.com/blog/20 ... cates.html
by fsrph
Tue Feb 23, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Valor Credit Union - 1 more deposit
Replies: 22
Views: 1967

Re: Valor Credit Union - 1 more deposit

Thanks, frsph. It appears, if I understand correctly, the credit union exercised their right to retroactively change the terms, as poster nisiprius rightly warns us of, and now is suggesting to retroactively change them again for those who sign the new agreement. That's correct. Can you give us mor...
by fsrph
Mon Feb 22, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: Valor Credit Union - 1 more deposit
Replies: 22
Views: 1967

Re: Valor Credit Union - 1 more deposit

Thanks, frsph. It appears, if I understand correctly, the credit union exercised their right to retroactively change the terms, as poster nisiprius rightly warns us of, and now is suggesting to retroactively change them again for those who sign the new agreement. That's correct. Can you give us mor...
by fsrph
Mon Feb 22, 2016 7:47 pm
Forum: Investing - Theory, News & General
Topic: Valor Credit Union - 1 more deposit
Replies: 22
Views: 1967

Re: Valor Credit Union - 1 more deposit

It's not clear why, if as you say the original CD has an add-on provision, you would agree to anything limiting it. Now, you haven't given us details about whether the original arrangement was better than the new one, but maybe it was. Can you tell us anything about that? PJW The original cd allowe...
by fsrph
Mon Feb 22, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: Valor Credit Union - 1 more deposit
Replies: 22
Views: 1967

Re: Valor Credit Union - 1 more deposit

Just received a certified letter from Valor credit Union allowing deposits to existing CD's (max total is 25k) before 3-31-2016 if I sign a release form (which was enclosed). Thanks for posting this. Today there was a card in the mailbox to retrieve a certified letter from Valor at the post office....
by fsrph
Sat Feb 20, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: End of debit cards for me
Replies: 128
Views: 10199

Re: End of debit cards for me

This is exactly why we never use our ATM/debit card for anything but ATM withdrawals Same here,when I do use it. :happy Unless you have your card set to be ATM only, I don't understand how not using it for debit purchases protects you from debit fraud. My bank only issues an ATM debit card. I only ...
by fsrph
Sat Feb 13, 2016 7:17 pm
Forum: Investing - Theory, News & General
Topic: Using CD's instead of bonds
Replies: 62
Views: 6674

Re: Using CD's instead of bonds

What PJW has told you is correct. CD's, especially purchased directly from a bank, can be a good deal right now. I am more comfortable with CD's than bond funds, but you need to study them to convince yourself. The fact that you asked this questions suggests that you are uneasy/uncertain about your...
by fsrph
Sat Feb 13, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: Using CD's instead of bonds
Replies: 62
Views: 6674

Using CD's instead of bonds

Anyone going heavily into CD's replacing bonds in their fixed income allocation? I currently have approx 70% of fixed income in CD's. It's a lot of money. Here's why. Bond yields are so low, what's the 10 year treasury at 1.75%? Why wouldn't I take over 100 basis points? I have been selective in the...
by fsrph
Fri Feb 12, 2016 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 9690

Re: Vacation Homes

I would be careful telling someone what to do. There's no right or wrong way to go, it's up to the individual. Sometimes decisions are made for non-financial reasons and that's OK. I personally rent but that doesn't make me right. I agree with this. Financially a vacation home may not be the best c...
by fsrph
Fri Jan 29, 2016 6:38 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2962

Re: Manual can opener recommendation

Thanks for the recommendations everyone. I did see the OXO brand in Target. I didn't know that was a solid brand as I never heard of it. I think this is the brand I'll try. Now to decide to get a traditional can opener (that cuts the top of the can) or the newer type that cuts the side of the can. T...
by fsrph
Fri Jan 29, 2016 6:32 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2962

Re: Manual can opener recommendation

I don't understand how you "break" a can opener. I've never used an electric can opener, just a manual, and we still have the cheapie we bought 35 years ago. Works just as well as when new. Many years ago we also had a relatively cheap can opener that lasted many years. It was well made. ...
by fsrph
Thu Jan 28, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 2962

Manual can opener recommendation

Not the most pressing kind of problem but I can't seem to find a good (one that lasts) manual can opener. I've tried several of the common brands and they all break in less than a year. Sometimes after only a few months. I don't buy the cheapest ones available and usually pay $10-$15. I don't mind p...
by fsrph
Wed Jan 27, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 1909

Re: Best Netflix/YouTube interface for the Big Screen?

I use a Sony Blu-ray for streaming, including Netflix and YouTube, to a large plasma TV. I really like the picture quality. No complaints.

Francis
by fsrph
Tue Jan 26, 2016 10:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 4364

Re: Happy Birthday Taylor!

Very Happy Birthday Taylor! Enjoy yourself. Also, thanks for all you do for us Bogleheads.

Francis
by fsrph
Mon Jan 25, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: What online Email do you use
Replies: 59
Views: 5271

Re: What online Email do you use

Have AOL for many years. Maybe not the newest or best but it works for me.

Francis
by fsrph
Sun Jan 24, 2016 6:15 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 52
Views: 6582

Netflix increasing prices. Will you keep it?

Looks like Netflix will be increasing prices this spring. Grandfathered $7.99 per month customers will pay $9.99 for HD or stay at $7.99 for SD. I seem to find less and less current (last 10 years) movies I want to see on Netflix. Maybe I'll drop it. Will you keep it or drop it? http://www.latimes.c...
by fsrph
Sat Jan 23, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: PenFed 15 month/1.51% APR CD
Replies: 3
Views: 777

PenFed 15 month/1.51% APR CD

Today PenFed lists a new CD - 15 months 1.51% APY. Not great but not a bad place for short term money.

Francis
by fsrph
Fri Jan 22, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct Plus vs TurboTax vs H&R Block for 2015
Replies: 117
Views: 9718

Re: TaxAct Plus vs TurboTax vs H&R Block for 2015

furwut wrote:I have always used Turbo Tax. This year it will be TaxAct Plus.

I was thinking of switching from TT to TaxAct this year. Will TaxAct import data from TT that is stored on my computer? Thanks.

Francis
by fsrph
Mon Jan 18, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 1751

Re: Use Local Dealer for New Vehicle Purchase?

For this new vehicle I'm wondering whether we purchase from the local dealer by negotiating a price and then having them find one with the features we need and have it shipped in for us, or do I search the internet and find a vehicle with the features we want and buy it from an out of town dealer (...
by fsrph
Thu Jan 14, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 4058

Re: Does a BH play the lottery?

Usually I don't play but I played the last two Powerballs. Why not? Of course the odds are way against you but it's cheap entertainment. For $4 went in with other coworkers and we had 104 tickets. We won a grand total of $8. Still it was fun.

Francis

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