Search found 599 matches

by spammagnet
Thu Aug 10, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1310

Re: LastPass not working for me on Firefox

midareff wrote:You need LastPass FOR Firefox https://addons.mozilla.org/en-US/firefo ... d-manager/
It's flaky, or Firefox is.
by spammagnet
Thu Aug 10, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital - Questions about the "Cash Flow" feature
Replies: 23
Views: 1823

Re: Personal Capital - Questions about the "Cash Flow" feature

... Not familiar with YNAB, but I believe it doesn't do much for investments ... I use and like YNAB but it doesn't do investments at all. By design, it's very focused on cash, as in net deposits to your bank account. The developers assume you don't even track payroll deductions as expenses. That t...
by spammagnet
Thu Aug 10, 2017 5:34 am
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1310

Re: LastPass not working for me on Firefox

VictoriaF wrote:It's interesting that a password manager drives the choice of a browser, rather than the other way around.
Yes. In my case, at least, I was already leaning in that direction. Firefox was accruing other performance problems. Lastpass was just the final factor.
by spammagnet
Wed Aug 09, 2017 11:11 pm
Forum: Personal Consumer Issues
Topic: LastPass not working for me on Firefox
Replies: 25
Views: 1310

Re: LastPass not working for me on Firefox

Serial failures of Lastpass in Firefox was the reason for my dropping Firefox. Other issues with Firefox had caused dissatisfaction but Lastpass was incentive to finally adopt Chrome for full time use. I'm satisifed.
by spammagnet
Wed Aug 09, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's the deal with AMICA???
Replies: 21
Views: 1993

Re: What's the deal with AMICA???

...4.) Loyalty matters, sometimes: I was a long time customer and employee, so when I bought a house near the coast that they would otherwise not underwrite, my past clean claims record with the company played a role in writing the coverage. All things being equal they will underwrite on the side o...
by spammagnet
Wed Aug 09, 2017 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7751

Re: kids think lazy if retire?

theplayer11 wrote:what if he isn't interested in doing so?
In that case, he shouldn't volunteer his time.
by spammagnet
Wed Aug 09, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage cash back rewards?
Replies: 26
Views: 2429

Re: How do you manage cash back rewards?

+1 about cash being fungible. We do whatever results in the rewards having higher value, according to the rules of the card provider. Beyond that, we use YNAB for budgeting. All inbound cash goes into a single pool to be assigned to the "task" you deem most important at the time, regardless of source.
by spammagnet
Mon Aug 07, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: kids think lazy if retire?
Replies: 70
Views: 7751

Re: kids think lazy if retire?

Contribute your time and talent to your community in a meaningful and organized manner. Your kids will see you enjoying a relaxed life while still contributing to society.
by spammagnet
Mon Aug 07, 2017 7:14 am
Forum: Personal Finance (Not Investing)
Topic: User names and passwords
Replies: 5
Views: 950

Re: User names and passwords

I don't do it for security but, if you have a gmail address and a site uses your address as user ID, gmail supports a '+' suffix on your address. E.g., spammagnet+bh@gmail.com.

I don't use that for many and, for those that I do, it's to distinguish who's selling my address, not for user security.
by spammagnet
Sat Aug 05, 2017 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Where can I improve? Am I on the right track?
Replies: 20
Views: 2159

Re: Where can I improve? Am I on the right track?

I have life insurance through work (5x annual salary), but not clear on how much I should have. Any recommendations would be great! Consider a subscription to ESPlanner. Among other things, that will estimate how much life insurance you need to preserve your current standard of living for your surv...
by spammagnet
Fri Aug 04, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 333
Views: 36870

Re: Quicken's future direction - a cause for concern

That's not much different than they do now. Their new policy (in Canada) was considerably different from their past policy. That was the reason for starting this thread, i.e. to warn US customers that this change might be coming to the US version of Q18. I understand the Canadian policy was a trial...
by spammagnet
Fri Aug 04, 2017 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 333
Views: 36870

Re: Quicken's future direction - a cause for concern

Just posted on Quicken's support forum : ... After hearing your feedback, and talking to many of you personally, we’ve decided to change this behavior, and enable you to manually add transactions and accounts, even after your membership ends. Access to online services, such as transaction download,...
by spammagnet
Wed Aug 02, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Cabins - "investments" or "consumptive purchases"
Replies: 38
Views: 2936

Re: Cabins - "investments" or "consumptive purchases"

My Mom and her husband had a second home in NC. We very much enjoyed our visits but it was also a valuable lesson in why I'll never own one. Among other things, the grade of the mountain road was steeper than the state would accept responsibility to maintain. Every spring, her husband was out on the...
by spammagnet
Tue Aug 01, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 103
Views: 13309

Re: Capital One $400 bonus for new checking account

For the Chase savings deal, where you get $200 bonus for a balance of $15K held 3 months and $300 held for another 3 months (the latter to avoid fees while keeping the account open the minimum 6 months), what is the effective interest rate? Edit: got $300 x 2 for opening individual checking accounts...
by spammagnet
Sun Jul 30, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4871

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

mouses wrote:Why do mechanics do this?? T

I literally can't get in my wife's car without adjusting the seats. I'm sure mechanics are faced with the same thing multiple time a day. They couldn't possibly put it back to specific settings you had without a memory button, so why try?
by spammagnet
Sat Jul 29, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8851

Re: Is Amazon Prime worth it?

... I'd say that if you go to a random supermarket, and pick a random item off the shelf, it will almost certainly be cheaper than Amazon. Since I have to go to the supermarket anyway (e.g. to get perishable food items) then while I'm there I can easily get non-food items, e.g. a toothbrush. Buying...
by spammagnet
Fri Jul 28, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Use Guest wifi for thermostat, Roku, etc.
Replies: 28
Views: 2831

Re: Use Guest wifi for thermostat, Roku, etc.

Sorry. I thought a "home network" was something different than a wifi connection. Your home network includes basically everything on your side of your modem. That can be wired connections, wireless connections, Powerline/Homeplug adapters, MoCa (ethernet over coax cable) and others. One r...
by spammagnet
Thu Jul 27, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8851

Re: Is Amazon Prime worth it?

It's worthwhile to our family because of how we use it. We don't shop exclusively online but will, if the variety is wider or the difference in price between online and b&m is unjustified (in our opinion). We are willing to pay a reasonable premium to support b&m stores if that's where we bu...
by spammagnet
Thu Jul 27, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Where to View Total Eclipse? - Kansas City / Nashville et al
Replies: 98
Views: 6104

Re: Where to View Total Eclipse? - Kansas City / Nashville et al

A couple of months ago we booked the last site available in Fall Creek Falls, the largest state park (their description) in Tennessee. Like others, they doubled their prices for the eclipse period. We were surprised it was available. I surmise that someone cancelled and our timing/luck was good. If ...
by spammagnet
Wed Jul 26, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7995

Re: Should you wait until the due date to pay credit card balance?

... I pay my credit card about 2 weeks before due date. So, if the bank messed up, I have time to issue another payment. ... If it's set up on auto-pay and the bank screws up, I've never had a problem with them accepting responsibility. Then only time I screwed up is when I first set it up on one a...
by spammagnet
Wed Jul 26, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 81
Views: 4871

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

... The car has by far the most uncomfortable seats I have ever experienced. This is not apparent from the test drives. After my first 2 hour drive my back was in excruciating pain for the whole day! ... From my past experience I concur about the seats. In my case, the seats aren't terrible but the...
by spammagnet
Wed Jul 26, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: WiFi Thermostat?
Replies: 59
Views: 3685

Re: WiFi Thermostat?

I have a Honeywell thermostat with wireless remote temperature sensors, but it's not internet connected. I could connect it to a separate wireless device but we keep routine workweek hours and would get little benefit from being able to control the temp remotely. The standard schedule serves us well...
by spammagnet
Wed Jul 26, 2017 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Should you wait until the due date to pay credit card balance?
Replies: 126
Views: 7995

Re: Should you wait until the due date to pay credit card balance?

You want to pay it off AFTER the statement date but BEFORE the due date. Simple as that. Why? Your credit score is built and by usage and measures your ability to pay back debt. If you pay the card before your statement date you risk $0 usage being reported and no record of you paying off the accou...
by spammagnet
Wed Jul 26, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Pension lump sum offer (28yo)
Replies: 7
Views: 951

Re: Pension lump sum offer (28yo)

Helo80 wrote:9727 invested today and left accumulating at a paltry 2% for the next 27 years is how much money? http://buyupside.com/calculators/recurr ... rdec07.htm

Good point, but that calculator seems to assume periodic investment with no apparent way to make it a single lump sum investment.
by spammagnet
Fri Jul 21, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Re: Fidelity Full View usefulness?

I did find asset allocation in portfolio analysis and it does display the allocation by asset class, but it does not include external accounts seen in Full View. The latter reports asset allocation only by accounts, not by class, as I reported earlier. If something I'm doing excludes external accoun...
by spammagnet
Thu Jul 20, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Re: Fidelity Full View usefulness?

I don't quite understand. It displays asset allocation across all accounts for me. I have double checked this with Personal Capital and both essential give the same allocation. The "asset" description I see is the account name, not asset class. Others corroborated that. I can't find any s...
by spammagnet
Thu Jul 20, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 349685

Re: What's Your Credit Card Rewards Strategy?

VictoriaF wrote:Thanks. I am interested if anyone had personal experience with using CSP or CSR medical coverage and how it worked for them.

Victoria

If you travel a lot and if the coverage is adequate for your needs, that $450 AF might be a bargain if the travel coverage substitutes for domestic coverage.
by spammagnet
Thu Jul 20, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Re: Fidelity Full View usefulness?

Honestly, it's not Fidelitys fault that other companies are constantly changing things, but they can't keep up and I can't keep up. I don't fault Fidelity for not being able to connect. That's the responsibility of their data provider (Yodlee?) and it's a moving target. I do fault Fidelity for not ...
by spammagnet
Thu Jul 20, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Re: Fidelity Full View usefulness?

Check your "Accounts Selected" tab on the Analysis view. I did. Only our Fidelity accounts are shown. I expected the "asset allocation" tool in FullView to display my assets by class. It doesn't. It should be called "account allocation", instead. Even assets held in Fi...
by spammagnet
Thu Jul 20, 2017 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Re: Fidelity Full View usefulness?

If you go out of Full View and into the main Fidelity screen, you should see a tab near the top labelled "Analysis". That will lead you to screens that will do analysis across asset classes. Does that include assets held in external accounts? Yes. Fidelity's analysis tool uses the account...
by spammagnet
Wed Jul 19, 2017 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Approaching major milestone, need cool-headed advice
Replies: 34
Views: 4939

Re: Approaching major milestone, need cool-headed advice

I agree with KlangFool. Sell the house and settle that aspect of your life. You might not make what you hope but, whatever it is, it will be settled. You will then know what you have and how much more you need (if you need more). I would find a way to be happy with your current employer for the next...
by spammagnet
Wed Jul 19, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Re: Fidelity Full View usefulness?

oldcomputerguy wrote:If you go out of Full View and into the main Fidelity screen, you should see a tab near the top labelled "Analysis". That will lead you to screens that will do analysis across asset classes.

Does that include assets held in external accounts?
by spammagnet
Wed Jul 19, 2017 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2426

Fidelity Full View usefulness?

Is anyone successfully using FullView to see their aggregate asset allocation across multiple accounts? I just set it up as a test. It automatically includes all Fidelity accounts plus I added an external accounts. I'm baffled that the "asset allocation" tool shows me the % distribution ac...
by spammagnet
Tue Jul 18, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 4645

Re: Cheap TV Set-up for Limited Daily Use

azurekep wrote:Voice control actually wouldn't be a bad idea ...

The remote control of at least one Roku device supports voice control but I fail to see how that adds value for this purpose, and it adds extra expense.
by spammagnet
Sun Jul 16, 2017 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 349685

Re: What's Your Credit Card Rewards Strategy?

Mudpuppy wrote:They're brand names for each bank's point program. There are partners in each point program, which allows you to transfer points to hotels, airlines, and so on. But they're not a network like Visa.

Is there overlap among partners? Or are they mutually exclusive?
by spammagnet
Sun Jul 16, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 349685

Re: What's Your Credit Card Rewards Strategy?

In this thread I see reference to Membership Rewards, Ultimate Rewards and Thank You Points. Are those simply brand names associated with different card issuers, such as Chase vs American Express, or are they networks, like Visa vs Mastercard? Do they different in significant ways?

Thanks
by spammagnet
Sat Jul 15, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay off first?
Replies: 37
Views: 2920

Re: Which debt to pay off first?

... Also there is the transfer by purchase option, where you get a 0% on purchase card and then buy everyday things but pay as much as physically possible on the card with the int rate so you slowly transfer things you needed/must buy anyway. I've used that approach in the past. Paid utilities, sub...
by spammagnet
Sat Jul 15, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 3385

Re: What am I missing here? [I'm a bachelor]

Keepcalm wrote:
The Wizard wrote:You might buy a condo on the secondary market, 1500 sq ft or so, not too small.
That should appreciate in value over the next decade if you're lucky...

Never considered that but raises my eyebrow. May be a good compromise.

Is your career mobile? If so, consider the transaction costs.
by spammagnet
Fri Jul 14, 2017 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: S Corp - minimize taxes, maximize deductions
Replies: 29
Views: 2125

Re: S Corp - minimize taxes, maximize deductions

With all the talk about minimizing payroll tax, does that have any negative effects on future SS benefits? Am I correct in thinking that most people considering SCorp would be beyond the income level where an increase in income results in much increase of benefit? I recall reading something about SS...
by spammagnet
Fri Jul 14, 2017 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Use Emergency Fund to Payoff CC Debt?
Replies: 17
Views: 1174

Re: Use Emergency Fund to Payoff CC Debt?

I think I would put anywhere from 10-12k towards the cc. Great job having that EF! Edit: if you don't pay it all off from EF do you think you can get a 0% offer from another cc? Seems like a good thought. A Citi Simplicity card could give you 21 months at 0%, with a 3-4% transfer fee I believe. Cou...
by spammagnet
Fri Jul 14, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Use Emergency Fund to Payoff CC Debt?
Replies: 17
Views: 1174

Re: Use Emergency Fund to Payoff CC Debt?

Thanks everyone! I felt like paying off the CC debt was the best choice and feel even better now. I would keep a substantial portion of the e-fund. You need to avoid the potential of falling back into credit card usage if bad things happen. They do. Use as much cash as you decide to pay down (not o...
by spammagnet
Fri Jul 14, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay off first?
Replies: 37
Views: 2920

Re: Which debt to pay off first?

...Yes, I am thinking if 1-2 years we will just refinance to a 15 year mortgage to cut the interest rate and pmi. We are currently 3.5% at a 20 year, however, if we go to 3% at 15 minus pmi our payment is about the same and shaves off a couple years. Nothing prevents you from paying more voluntaril...
by spammagnet
Fri Jul 14, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to pay off first?
Replies: 37
Views: 2920

Re: Which debt to pay off first?

... The credit card isn't super priority either since it's zero percent and if you don't have the money to pay it all off by next year, you can always open a new card and transfer the balance until you do. There are many zero percent transfer offers these days.. There may be zero rate transfers but...
by spammagnet
Thu Jul 13, 2017 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7563

Re: Switch to federal job?

If I was within 5 years of retirement I would absolutely stay to get FEHB in retirement. You say you only need it as a bridge between 62 and 65, do you mean before medicare or will you have some other health coverage at 65? If you have some other health coverage the benefits seem marginal. However,...
by spammagnet
Wed Jul 12, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Cheap TV Set-up for Limited Daily Use
Replies: 71
Views: 4645

Re: Cheap TV Set-up for Limited Daily Use

The problem with over the air TV is that there usually is no DVR (I think). I don't advise it for this "cheap tv" application but a TiVo Bolt (not +) will record OTA TV or cable, including encrypted premium channels. It can't connect to both at the same time but I'm not sure why you'd wan...
by spammagnet
Wed Jul 12, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Family member fleecing Alzheimers victim
Replies: 26
Views: 4803

Re: Family member fleecing Alzheimers victim

Trying to get reimbursed later on is less likely to work, from my experience, as the facility didn't have the required nursing staff-patient ratio, staff licensing, or correct services available. +1 The type of license is important. We considered a facility that was licensed as a SNF (Skilled Nursi...
by spammagnet
Tue Jul 11, 2017 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7563

Re: Switch to federal job?

OP here. Please do not turn this into an argument about how good the lazy feds have it and how much the rest of us are getting ripped off. I'm looking for advice regarding my wife's present situation and potential career change. If you have objective information to share, please do.
by spammagnet
Tue Jul 11, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7563

Re: Switch to federal job?

Q: Will my premiums increase once I retire? A: No, you will pay the same premium as you paid while you were an employee . ... Retirees receive the same government contribution as most Federal employees. Link to OPM , for the benefit of others. And, ... You may see an increase if you are employed by...
by spammagnet
Mon Jul 10, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2311

Re: September short trip ideas

Crimsontide wrote:It's football season, why leave the Southeast then, that's the best time to be there :happy

Living in Gainesville, I'd say it's the best time to escape. <smile>
by spammagnet
Mon Jul 10, 2017 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to federal job?
Replies: 80
Views: 7563

Re: Switch to federal job?

I would bet that she will work less hours than the private sector but don't think that she is guaranteed a low stress lifestyle. It's not always a cakewalk. Not saying it isn't going to be, but just be aware. OP here. There is no expectation nor particular desire that it would be. Although increase...