Search found 3303 matches

by tc101
Fri May 29, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Learning about bank promotions that pay you to transfer money.
Replies: 5
Views: 374

Re: Learning about bank promotions that pay you to transfer money.

I already have an account there, and was going to move in new money. In the small print at the bottom it tells you: If you have or had an open savings and/or money market account (excluding CDs, IRA savings accounts and Kids Savings accounts) as a primary or secondary account holder with Capital One...
by tc101
Fri May 29, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Learning about bank promotions that pay you to transfer money.
Replies: 5
Views: 374

Learning about bank promotions that pay you to transfer money.

I just learned, in another thread on this forum, that I could have made $450 for moving $50K to Capitol One bank, which I am probably going to do anyway, but now the promo date is passed and I missed out on the $450. How can I keep up with all the promotions out there? A few hours opening up a new a...
by tc101
Fri May 29, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1633

Re: Is Capital One 360 bank account OK?

I am going to start a new topic about bank promotions in general. Obviously from this thread there are a lot of people who would be willing to move money around if they knew about the promotions.
by tc101
Thu May 28, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1633

Re: Is Capital One 360 bank account OK?

I already had a small account at Cap One, so I am not eligible for the current promo. How can I find out about future promos at Cap One?
by tc101
Thu May 28, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1633

Re: Is Capital One 360 bank account OK?

I guess I’ll be looking around for something better.
I don't think you'll find anything much better. Ally is 1.25%. Vanguard MMFs are all way below that.
by tc101
Thu May 28, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 33
Views: 1633

Is Capital One 360 bank account OK?

I have maxed out my Ally account up to the FDIC limit. Capital One 360 has a 1.3% savings account, much better than Vanguard MMF and I am thinking of opening a Capital One 360 account. Has anyone used them? Are they OK? Is this 1.3% likely to be a teaser rate that changes in a few months, or is it l...
by tc101
Fri May 22, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any easy way to check accuracy of Amazon credit card bill?
Replies: 9
Views: 837

Re: Any easy way to check accuracy of Amazon credit card bill?

Are you saying that Amazon is adding additional unauthorized charges to credit card purchases?
No. I am talking about some criminal organization adding a phony charge that looks like it is from Amazon.
by tc101
Fri May 22, 2020 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Any easy way to check accuracy of Amazon credit card bill?
Replies: 9
Views: 837

Any easy way to check accuracy of Amazon credit card bill?

I have an amazon credit card that I only use for amazon purchases. If I order 20 items on an amazon fresh grocery order, the price for each item is listed separately on the credit card statement. Same thing for regular orders, most of the time, but not always. This makes it very hard to see if all t...
by tc101
Tue May 05, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4789

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

I took off the drain cover and pulled out what I could with my finger, but it goes much deeper than I can reach. In addition to the hair and scum, which is easy to get with a finger, there is some kind of hard stuff, like small pebbles, which I can't get with my finger. Maybe it is a mineral buildup...
by tc101
Tue May 05, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4789

Is there anything more environmentally friendly than Drano for unclogging a drain?

Is there anything more environmentally friendly than Drano for unclogging a drain? This is a shower drain and I can see there is a buildup of old hair and soap scum in it.
by tc101
Mon Apr 27, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I go on the Vgd web site to see cap gains from sales earlier this year?
Replies: 5
Views: 322

Re: Where do I go on the Vgd web site to see cap gains from sales earlier this year?

Vanguard does not have cost basis information for the non-covered mutual fund shares, so its computers report average-cost basis regardless of which method you used. Do they have correct info on average cost? That is what I will use in the future, and what I think I used on some small sales in the ...
by tc101
Mon Apr 27, 2020 12:33 pm
Forum: Investing - Theory, News & General
Topic: Reporting cap gains on non-covered shares to the IRS
Replies: 7
Views: 414

Re: Reporting cap gains on non-covered shares to the IRS

Have you previously sold shares from these funds? What cost basis method did you use? Several years ago I sold a small amount. At that time I was using turbotax and didn't know anything about non-covered shares. I just let turbotax download all info from vanguard and calculate my taxes. I have no i...
by tc101
Mon Apr 27, 2020 10:10 am
Forum: Investing - Theory, News & General
Topic: Reporting cap gains on non-covered shares to the IRS
Replies: 7
Views: 414

Reporting cap gains on non-covered shares to the IRS

Looking at the cost basis screen, I see that some funds that I have held for a long time that have big cap gains also have what are called "Noncovered shares". This is what Vanguard says about noncovered shares: Vanguard will report cost basis information to the IRS only for "covered shares," meanin...
by tc101
Sat Apr 25, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Where do I go on the Vgd web site to see cap gains from sales earlier this year?
Replies: 5
Views: 322

Where do I go on the Vgd web site to see cap gains from sales earlier this year?

Where do I go on the Vanguard web site to see capital gains from sales earlier this year?
by tc101
Sat Apr 25, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Wash sale rule with similar assets, not exactly the same
Replies: 12
Views: 411

Re: Wash sale rule with similar assets, not exactly the same

Arrggh! The IRS does not use the term "substantially s******", so I think that term should be banished from Bogleheads.org.
What term would you use? Or do you mean that they must be exactly the same to get the IRS attention?
by tc101
Sat Apr 25, 2020 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Wash sale rule with similar assets, not exactly the same
Replies: 12
Views: 411

Wash sale rule with similar assets, not exactly the same

Is it considered a wash sale if you:

Sell S&P 500 index and buy Total stock market index?

Sell Vanguard FTSE All-World ex-US Index and buy Vanguard Total International Stock Index?

I would guess "no" on the S&P to Total stock market, but am unsure about the two international indexes.
by tc101
Fri Apr 24, 2020 8:06 pm
Forum: Personal Investments
Topic: Tax loss harvesting question
Replies: 9
Views: 503

Re: Tax loss harvesting question

I'm not going to worry about a wash sale from a reinvested dividend in an IRA. The difference in taxes would only be a few dollars. If the IRS ever audited me, if they even noticed it they would probably ignore it because it is such a small amount. If they did notice it I would just pay the few doll...
by tc101
Fri Apr 24, 2020 4:19 pm
Forum: Personal Investments
Topic: Tax loss harvesting question
Replies: 9
Views: 503

Re: Tax loss harvesting question

Do you own VANGUARD FTSE EMERGING MARKETS ETF whose sale you are proposing in the taxable account, in any of your IRAs also? No I don't, but if I did, and the dividend was reinvested, that would be a very small purchase. Does Vanguard calculate that for me? If not, I don't see how it could be a pro...
by tc101
Fri Apr 24, 2020 2:23 pm
Forum: Personal Investments
Topic: Tax loss harvesting question
Replies: 9
Views: 503

Re: Tax loss harvesting question

What is your marginal income tax bracket?
I am in the 12% bracket, filing single $9,701 – $39,475
by tc101
Fri Apr 24, 2020 2:21 pm
Forum: Personal Investments
Topic: Tax loss harvesting question
Replies: 9
Views: 503

Re: Tax loss harvesting question

Thanks for your help. I forgot about the carry forward of the loss, so as you say there is no reason to sell the fund that had a gain.
by tc101
Fri Apr 24, 2020 10:00 am
Forum: Personal Investments
Topic: Tax loss harvesting question
Replies: 9
Views: 503

Tax loss harvesting question

I have never done tax loss harvesting, but have read about it. I want to make sure I am clear on how this works before I do it. I am age 70. Low tax bracket. Half of my living expenses comes from SS. Half from selling investments. I am currently selling from a short term bond fund to live because I ...
by tc101
Fri Apr 17, 2020 1:11 pm
Forum: Investing - Theory, News & General
Topic: Switching from Bond funds to CD ladder
Replies: 26
Views: 1859

Re: Switching from Bond funds to CD ladder

I have gradually moved to almost all CDs. They have a much better return than treasuries and are just as safe. I buy brokered CDs at vanguard, and have also bought up to the FDIC limit at Ally, which has higher returns.

I don't see why anyone would stay in bonds right now.
by tc101
Tue Apr 14, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: New to Linux Ubuntu
Replies: 29
Views: 1487

Re: New to Linux Ubuntu

I have found I get all my ubuntu questions answered on this forum:

https://ubuntuforums.org/

There are some ubuntu users on bogleheads and you will get some help, but the ubuntu forum is much better.
by tc101
Mon Apr 13, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Switching from Android to iPhone
Replies: 11
Views: 989

Switching from Android to iPhone

I am thinking of getting and iPhone. How much trouble is it to switch from from Android to iPhone? I use gmail. I have a chromebook that is tied in with the gmail google world. I don't have any apple products. Is any of that much of a problem? Can I get an iPhone and still use gmail and gmaps and al...
by tc101
Mon Apr 13, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Help with my Android phone please
Replies: 7
Views: 619

Re: Help with my Android phone please

I found a better solution: Go to Settings/General/Language & Input/On-screen keyboard/LG Keyboard/ and turn Smart Toolbar on. The smart toolbar is a toolbar above the keyboard which contains the microphone icon. The thing that caused me so much confusion and lost time is that "manage keyboards" did ...
by tc101
Mon Apr 13, 2020 12:01 pm
Forum: Personal Consumer Issues
Topic: Help with my Android phone please
Replies: 7
Views: 619

Re: Help with my Android phone please

I solved the problem. This is just a quick note for anyone who has a similar problem and finds this discussion someday in the future. I asked here and in several other online tech forums and never got an answer about how to restore the microphone icon to the keyboard. I finally did a google on missi...
by tc101
Sat Apr 04, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Help with my Android phone please
Replies: 7
Views: 619

Re: Help with my Android phone please

Something was changed inadvertently, because the ringer volume was changed.
by tc101
Sat Apr 04, 2020 10:40 am
Forum: Personal Consumer Issues
Topic: Help with my Android phone please
Replies: 7
Views: 619

Re: Help with my Android phone please

Any recent updates?

Like ^^^ said, check if the keyboard was switched inadvertently.

Re-install the keyboard you were using. If not, install another keyboard.
I'm afraid I'm not very tech savvy. I don't know how to do any of those things.
by tc101
Sat Apr 04, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Help with my Android phone please
Replies: 7
Views: 619

Re: Help with my Android phone please

On my different model phone it is under;

settings/general management/language and input/default keyboard
Thanks. I just checked that. There are 2 places to set keyboard
In had "Current keyboard" set to LG keyboard
It has "On-screen keyboard" set to LG keyboard, google voice typing
by tc101
Fri Apr 03, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Help with my Android phone please
Replies: 7
Views: 619

Help with my Android phone please

On my LG G7 android phone, the little microphone icon that lets me do voice dictation on emails and texts has disappeared. I tried
doing a power off and restart, which often fixes things like this, but it didn't fix it.

What is the next step?
by tc101
Wed Apr 01, 2020 10:57 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190886

Re: Bogleheads community discussion - Coronavirus

There was a guy on PBS Newshour last night that asked anyone who had
N95 masks to donate them to medical personnel. He said they weren't
needed by the civilian population. I have a box of them but I have
not decided if I will donate them or keep them.
by tc101
Tue Mar 31, 2020 9:02 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190886

Re: Bogleheads community discussion - Coronavirus

I have seen lots of photos of people in protective clothing spraying
disinfectant on the ground.

Why is this done? I haven't read anything about people getting the
virus on their shoes. It seems it would make more sense to be
spraying doors and hand rails.
by tc101
Mon Mar 30, 2020 3:46 pm
Forum: Personal Investments
Topic: Why buy treasuries when CD rates are so much better?
Replies: 42
Views: 4307

Why buy treasuries when CD rates are so much better?

I know the limit of FDIC insurance is $250K per bank, but for most people here, that is plenty, since we can buy CDs from so many different banks. A treasury bond fund is composed of treasuries, so as far as I can see, unless you need liquidity, it makes no sense for most of us to buy treasuries or ...
by tc101
Mon Mar 23, 2020 12:07 pm
Forum: Personal Investments
Topic: I can not do a sell on Schwab
Replies: 14
Views: 931

Re: I can not do a sell on Schwab

I'll eventually get this resolved. It is not a big problem. I only have a small account at Schwab. Most of what I have is at Vanguard. I tried to do a chat and the chat box never comes up. I tried to do a message and the message screen does not come up. If this is still happening tomorrow I will try...
by tc101
Mon Mar 23, 2020 10:54 am
Forum: Personal Investments
Topic: I can not do a sell on Schwab
Replies: 14
Views: 931

Re: I can not do a sell on Schwab

I guess no one else if having this problem or I would have a reply by now. It is not important that I sell anything today. I was just doing some minor rebalancing. If I still have the problem tomorrow I'll send them an email. If anyone here does have any idea why this is happening just to me, please...
by tc101
Mon Mar 23, 2020 10:35 am
Forum: Personal Investments
Topic: I can not do a sell on Schwab
Replies: 14
Views: 931

I can not do a sell on Schwab

I can not do a sell on Schwab. It will let me buy but not sell. When I attempt to sell, the drop down box is red. Is anyone else having this problem?

I have tried to call Schwab and ask about it, but I am still on hold. No telling how long the hold time is.
by tc101
Thu Mar 19, 2020 10:27 am
Forum: Investing - Theory, News & General
Topic: Bond Funds don't work in a crisis
Replies: 179
Views: 12731

Re: Bond Funds don't work in a crisis

My short term treasury index fund went down 0.15% yesterday, and down 0.5% in the last 8 days. That is not a big deal, but I don't understand it.
by tc101
Mon Mar 16, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Gold is taking a monster hit
Replies: 64
Views: 5419

Why is gold going down in value?

I thought that in times of insecurity and turmoil, the value of gold generally went up. Why has it gone down in the last month?
by tc101
Tue Mar 10, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 143
Views: 12983

Re: BND Fell Today

CDs seem better than treasury funds. Ally still has an 18 month CD paying 2%.
by tc101
Tue Mar 03, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Problem setting up wi fi router
Replies: 14
Views: 697

Re: Problem setting up wi fi router

I've got it all working now. You have to make changes using an app your phone. I had downloaded the app yesterday but couldn't get it to work. When I went to http://www.routerlogin.net I was able to set a password, then was able to get the phone app to work, then was able to make changes. Thanks for...
by tc101
Tue Mar 03, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: Problem setting up wi fi router
Replies: 14
Views: 697

Re: Problem setting up wi fi router

The user guide for that model seems to suggest directing your web browser to http://www.routerlogin.net maybe they know something.
That worked. I'll play around with it and report back tomorrow.
by tc101
Tue Mar 03, 2020 7:05 pm
Forum: Personal Consumer Issues
Topic: Problem setting up wi fi router
Replies: 14
Views: 697

Re: Problem setting up wi fi router

Not an expert so take my questions for what they are worth. An access point serves as a secondary WIFI distribution point, not the primary wifi distribution point. If that is the case, then your comcast router is primary and the netgear router is secondary. Is that what you were trying to accomplis...
by tc101
Tue Mar 03, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Problem setting up wi fi router
Replies: 14
Views: 697

Problem setting up wi fi router

I installed a Netgear Nighthawk AC1900 Smart Wi Fi Router. I plugged it in to a cable from my comcast router, which is at the other end of the house, then plugged a desk top into the router. I turned everything on and the desk top came up with a utility that asked me some questions, and said I shoul...
by tc101
Sun Mar 01, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Should I give access to location services when setting up a router?
Replies: 13
Views: 666

Re: Should I give access to location services when setting up a router?

if any app asks for your location without giving specific reasons as to why, you should deny the request and strongly reconsider your use of this app, period. I use my desktop computer a lot more than my phone. It seems like half the pages I go to online are asking to access my location. If I stopp...
by tc101
Sat Feb 29, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Should I give access to location services when setting up a router?
Replies: 13
Views: 666

Should I give access to location services when setting up a router?

I am installing a new router. Quick setup guide told me to downloaded an app to my phone to do this. Now the app is asking permission to get access to location services. It says "If you don't allow location access you may have a diminished experience". Is there any reason not to allow it location ac...
by tc101
Thu Feb 27, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: Corona virus, stock market gyrations & Jack Bogle
Replies: 41
Views: 3124

Re: Corona virus, stock market gyrations & Jack Bogle

If not contained, think flu 200 times more dangerous with no vaccine. Not the end of the world but enough to get one's attention and interfere with normal commerce. I don't think that is correct. I have read in numerous places that it is 10-20 times more deadly than the flu. That is still very seri...
by tc101
Thu Feb 27, 2020 12:09 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296828

Re: Coronavirus and the market

I might as well make my prediction, since everyone else is: It will be pretty bad. If it spreads to 1/7 of the world population and kills just 1% of those, that is 10 million deaths. If it spreads to half the world population and kills 2% of those it will be 70 million deaths. So I predict the numbe...