Search found 433 matches

by DetroitRick
Fri Dec 15, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with T. Rowe Price funds
Replies: 14
Views: 672

Re: What to do with T. Rowe Price funds

You could break this down into 2 separate decisions: 1)do you want to keep some or all these current fund holdings at T Rowe Price specifically?, and 2)do you want to keep these fund holdings at all? You can easily move the funds elsewhere if you want (and then liquidate some or all, sooner or later...
by DetroitRick
Fri Dec 15, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: What happened to SLYV today (Index tracking)??
Replies: 4
Views: 258

Re: What happened to SLYV today (Index tracking)??

Today's distribution was historically somewhat high for this fund, particularly the short-term gain part, and definitely explains today's interim price drop (you'll see shares go up in your account when the distribution posts) Per Share, Ex Date 12/15/17: Dividend $.66802 Short-Term Gain $3.958893 L...
by DetroitRick
Thu Dec 14, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Getting rid of junk mail?
Replies: 21
Views: 1232

Re: Getting rid of junk mail?

I often do what F150HD mentions - keep a spare inbox full of junk mail in my home office. When I'm stuck on hold or doing a mindless task, I'll just cross-mail junk mail in those return envelopes (usually stuffed to the gills). Takes no extra time really. As a single gesture it may be meaningless, b...
by DetroitRick
Thu Dec 14, 2017 3:12 pm
Forum: Investing - Theory, News & General
Topic: Any of you trade just a little as a hobby?
Replies: 51
Views: 4312

Re: Any of you trade just a little as a hobby?

I trade a little, and maintain a well-diversified stock portfolio in addition to much larger fund-based portfolios. I wouldn't call it a hobby, but it does represent a fair amount of effort (research and thought). And I wouldn't do it if I didn't enjoy it. It's only one of many activities that I rea...
by DetroitRick
Wed Dec 13, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Files Corrupting Often-Anyone else?
Replies: 7
Views: 542

Re: Quicken Files Corrupting Often-Anyone else?

Bumping thread for more visibility ... I'm a long-time and frequent Quicken user (multiple QDF files, many accounts, and lots of downloads), currently using 2016 Premier, and have not experienced file corruption in years (knock on wood because just saying that is probably tempting fate :annoyed ). B...
by DetroitRick
Thu Nov 30, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: Does it make sense to drop health insurance?
Replies: 198
Views: 7139

Re: Does it make sense to drop health insurance?

The single biggest issue to consider is simply the potential for catastrophic, expensive and unpredictable health events. These can easily happen to healthy people without warning. I think most of us can think of a few examples from people in our lives - cancer, stroke, accident, etc. These are the ...
by DetroitRick
Sun Nov 26, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Windows 10 file backup
Replies: 9
Views: 834

Re: Windows 10 file backup

OP, of course using Seagate Dashboard or Windows File History does not preclude or conflict with all the other prudent backup steps (like making a system image, keeping current restore points, or keeping another offline sequential method to prevent data loss from ransomware). It only does what it is...
by DetroitRick
Sat Nov 25, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Windows 10 file backup
Replies: 9
Views: 834

Re: Windows 10 file backup

For whatever it's worth - I have an older (2014) Seagate portable drive (Slim) and had to migrate away from Seagate Dashboard for that same reason. I'm very satisfied with that Windows 10 File History feature and have been using it since migrating to Win 10 - with no issues. I too just use it for da...
by DetroitRick
Tue Nov 21, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 890

Re: Microsoft account security alert email.....real or fake??

Based on the "Recover Account" button, 100% probability it's fake. When in doubt, sign in to your Microsoft account directly. Microsoft WILL send messages (to whatever contact methods you specified), but you would never be "recovering account" from a button on an email. So if you are concerned, forg...
by DetroitRick
Mon Nov 20, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Schwab acct. security tool
Replies: 22
Views: 1541

Re: Schwab acct. security tool

I use Quicken to manage my investment data. Data is downloaded directly from the financial firms. Passwords are stored in a password vault in Quicken but one could enter them manually if that is what you want. Question: Do all of these two factor type procedures defeat Quicken? Same question for do...
by DetroitRick
Thu Nov 16, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab charging $76 for VG funds
Replies: 31
Views: 3763

Re: Schwab charging $76 for VG funds

That transaction fee, charged on buys but not sells, is Schwab's. It is not Vanguard's fee. There are a number of funds (fortunately a pretty small number) where Schwab imposes that standard flat fee - not just for Vanguard. Dodge and Cox is one example. T Rowe Price carried that same fee at Schwab ...
by DetroitRick
Tue Nov 14, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: ADR, OTC non-US stocks
Replies: 24
Views: 1551

Re: ADR, OTC non-US stocks

katon - going back to your original question, this article by Deutsche Bank might help by providing a nice summary of the 4 types of ADR programs. It may help clarify the range of regulatory requirements involved, and OTC vs. exchange listings. https://www.adr.db.com/drweb/public/en/content/4233.htm...
by DetroitRick
Mon Nov 13, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: ADR, OTC non-US stocks
Replies: 24
Views: 1551

Re: ADR, OTC non-US stocks

I would echo everything Caduceus mentions in that post. Well said. ADR listing on OTC vs. major exchanges is certainly not necessarily indicative of lesser financial reporting standards or speculative performance. A few random examples of non-US blue chips trading here OTC that simply choose not to ...
by DetroitRick
Mon Nov 06, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 52
Views: 4081

Re: ACA MAGI planning

Question for those modulating their retirement income to qualify for ACA subsidies. Do you revise your income throughout the year if you find that you’re making more than you had projected (but still under the cliff)? Or do you just sort it out at tax time the following year? Yes, big time. A littl...
by DetroitRick
Thu Nov 02, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Medical HMO out of pocket maximum
Replies: 24
Views: 1338

Re: Medical HMO out of pocket maximum

I can only answer from my HMO here in Michigan, the largest insurer in our state (and under their ACA-compliant policies). My out-of-pocket max does NOT apply to any out-of-network providers (which are not covered under the policy at all). The only exception they make is for emergencies, which they ...
by DetroitRick
Tue Oct 31, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6541

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

Safe as anything else in this electronic world - it would not bother me or set off any alarms. As others have said, every human or business that has ever received your paper check potentially has this info. Routing numbers are publicly available info (assuming they know who you bank with). I don't s...
by DetroitRick
Sat Oct 28, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15001

Re: 2018 ACA rates now live....

... It's AGI but you add back any tax-exempt income that wasn't counted. Here's a complete list. PJW On that "COMPLETE LIST" link Healthcare.gov lists "Qualified Medical Expenses" above 10% of AGI as a deduction to income. That doesn't seem right. Does anybody have experience deducted those expense...
by DetroitRick
Fri Oct 27, 2017 8:39 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 15001

Re: 2018 ACA rates now live....

In my county of SE Michigan: 7 participating insurers (down from 9 or so last year, one "major" dropping out last month) 16 Bronze Plans 26 Silver Plans 7 Gold Plans 0 Platinum Plans A lot of those 26 Silver Plans are very similar, which major differences being breadth of network. Basically just one...
by DetroitRick
Tue Oct 24, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58554

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

Anyway, for the price increase, 3 things jump out on my Premier (for Windows version) - The retail price for 2-years of $119.99 (Amazon gives additional 3 months, plus more DropBox storage at 129.99, as G-Force mentioned above, which seems like a better deal): 1)more customization options for repor...
by DetroitRick
Mon Oct 23, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58554

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

I see some things in this latest release that make me happy. Here's a link that includes a full press release. The link is for a Mac site, but the press release itself has details on the Windows version too: https://9to5mac.com/2017/10/23/quicken-2018-mac/ Anyway, for the price increase, 3 things ju...
by DetroitRick
Sat Oct 21, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab- which money market fund? (taxable account)
Replies: 23
Views: 1623

Re: Schwab- which money market fund? (taxable account)

I basically quit using money market funds at Schwab, for a while now. In my taxable account, for those very rare times where I'm really parking enough cash to matter, I just move it to my Barclays Savings (current rate 1.3%) and then move it back when needed. It's fast enough to be a substitute for ...
by DetroitRick
Wed Oct 18, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 2850

Re: Best smartphone

So far, best for me has been Nexus 6p. Extremely reliable (I didn't experience that boot loop issue, knock on wood, as others have), decent battery life (at 1.5 years), fast, nice screen, no bloatware. Especially love the immediate Android updates direct from Google. And having an unlocked phone. Re...
by DetroitRick
Wed Oct 18, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: bitcoin makes you rich
Replies: 49
Views: 4638

Re: anhybody buying bitcoin

Not yet, but eventually. It's just too volatile now for my intended usage. Really, I would love to use it as a transactional currency for some day-to-day expenses, and absolutely expect to do so in the future. But as an investment, no. Not now, not ever. Really, I hold this opinion for much the same...
by DetroitRick
Sat Oct 14, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58554

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

A hint of what lies in store (and online ;) ) for US-based Quicken users: Since Office Depot has already spilled the beans... What can be learned from their ad? Notice that the subscription is for two years not one. The prices seem like "non discounted" in comparison to what they did with Quicken 2...
by DetroitRick
Thu Oct 12, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 44
Views: 3708

Re: Antivirus Software Recommendations

I've found this site to be particularly useful in assessing alternatives. These people test under various operating systems (you'll see selections for Mac, Windows and Android; then you'll pick exact version). Tests are pretty extensive, but are nicely summarized as to performance, protection and us...
by DetroitRick
Wed Oct 11, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3959

Re: Pro and cons of the Prime offer by Amazon.......

For us, these are the pros, all of which we use extensively: Prime Video - not the biggest catalog, but enough stuff that interests us, especially some of the Amazon-produced series (like Bosch). Prime Music - great library of tunes to get us out of a musical rut. Especially handy when I can walk in...
by DetroitRick
Tue Oct 10, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Schwab money market fund for my mom? How safe?
Replies: 5
Views: 415

Re: Schwab money market fund for my mom? How safe?

Based on your not wanting to open another account (I'm assuming you have some variety of Schwab brokerage account in addition to the checking), plus wanting cash-like safety, I'd definitely suggest looking at the brokered CD's at Schwab (since her account is already there). Schwab offers competitive...
by DetroitRick
Mon Oct 09, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2560

Re: What to do with unused paint?

Latex paint - I never have significant quantities left over: take lid off can, let it dry out thoroughly, toss it in trash.
Oil based - only use oil-based primers and only rarely, so I just use them up any way I can (2nd coat on project, typically).
by DetroitRick
Mon Oct 09, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 7082

Re: Has your "risk tolerance" been tested?

Yes, it was tested big-time twice (tech crash in 2000-1, last recession 2008-9), and many lesser times along the way. My investments prior to 1990 were minimal. But all this really only had a few minor impacts on my asset allocation. I pretty much always realized events like these were possibilities...
by DetroitRick
Mon Oct 09, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2809

Re: Health Care for 2018, Curious About Other's Increases

Assuming 2018 rates currently under review by state are approved (they almost always are here): ACA Silver policy, HMO (decently broad network), SE Michigan Blue Cross: 2018 premium increase for us is 17.6%, assuming cost sharing subsidies are paid Or 32.9% if they are not Our state allowed dual sub...
by DetroitRick
Sun Oct 08, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 83
Views: 6260

Re: Password Protection

Thanks, everyone, for responding to my question - things make a lot more sense now. I now realize that transitioning to a password manager is a much bigger task than I thought - needing to change the passwords for all of my sights, then install the program on my wife's computer and my computer and ...
by DetroitRick
Fri Oct 06, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: ALL account on Quicken?
Replies: 11
Views: 1048

Re: ALL account on Quicken?

I keep them all on Quicken and update (One Step Update) all automatically - multiple credit cards, bank accounts, brokerage accounts. You can hide accounts in Quicken anyway. By keeping everything updating and visible, I can spot problems and errors quicker. Once an account is closed, then I'll hide...
by DetroitRick
Fri Oct 06, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 83
Views: 6260

Re: Password Protection

With two Windows pcs and an Android smartphone, I wouldn't be without one anymore. You might find this recent article from PC Magazine helpful, especially the list of functions that the various password managers support. You can then determine which functions are important to you. https://www.pcmag....
by DetroitRick
Thu Oct 05, 2017 8:50 am
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 49
Views: 4280

Re: Throwing Down with a Primerica Advisor

Pretty much agree with most others posting here. Two statements in your post kind of answer your question - don't bother. You said that your were tired of these types of folks ("half-informed income seekers", I love that!) and that, essentially, this was not really a friend. Save your time and energ...
by DetroitRick
Tue Oct 03, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Need compact point and shoot camera recommendations
Replies: 32
Views: 2142

Re: Need compact point and shoot camera recommendations

Thanks so much for the recommendations! I am really stuck! Is there such a thing as a camera store that lets you try cameras anymore? Or at least has knowledgeable staff on hand to tell you realistically what you can expect from a camera? I live in a small city, and we don't have anything like that...
by DetroitRick
Mon Oct 02, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Past problem with Universal Life assumptions
Replies: 7
Views: 441

Re: Past problem with Universal Life assumptions

Here's a recent article on the topic, similar to what you described with premium increases (Forbes, April 2017): https://www.forbes.com/sites/nextavenue/2017/04/21/a-problem-with-life-insurance-thats-universal/#19bdd02e3368 I've still got one in force and have not experienced this, but it is common....
by DetroitRick
Mon Oct 02, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: Marketing be damned: I am a speculator!
Replies: 6
Views: 1302

Re: Marketing be damned: I am a speculator!

I especially like your comment: "I don't cloud my consciously chosen risky financial behavior in comfy semantics". Personally, I view the lines between investing and speculating as blurry. And I do both without apology. What is important to me is the "consciously chosen" part. I"m both an investor a...
by DetroitRick
Sat Sep 30, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58554

RE: Password issues If one of your institutions connects to Quicken using Express Web Connect, then Quicken has your password (but encrypted, of course). However, if your institution connects via Direct Connect, Quicken DOES NOT have your password. Also, it's important to understand that using Direc...
by DetroitRick
Fri Sep 29, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 30
Views: 2632

Re: Problems obtaining a free annual Equifax credit report online

Yes. For both wife and me, on 9/26 and today (9/29). But I'm going in through the TrustedID service at Equifax, versus the annualcreditreport.com site. And that TrustedID Equifax website is plagued off and on with issues. At various times over the last week - website down, website slowed to crawl, a...
by DetroitRick
Thu Sep 28, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 471
Views: 58554

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

Smooth, issue-free ID transition for me too. Even with multiple Quicken files and multiple PC's. I'm relieved. As each upgrade, minor update, and then this latest transition goes well, I'm building more confidence that Quicken has gotten their act together. Even more so after the split from Intuit. ...
by DetroitRick
Mon Sep 25, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 7117

Re: Tipping question....Applebees

I see it all the time, and it doesn't bother me at all. As to the tip on tax, no problem here. But I actually like the whole custom of tipping anyway. But a $75 bill @ 6% tax is $4.50 tax, so an "extra" $.90 tip at 20%. I round my tips up and usually tip more anyway. But we've been on a multi-year s...
by DetroitRick
Mon Sep 25, 2017 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 15
Views: 1752

Re: Schwab.com login trouble?

Just tried clicking the Forgot Password link. Monday, 9:29 am edt. Got the "Reset Your Password" inputs just fine. I vaguely remember getting the first half of that message "An error occurred while..." once in a rare time when logging in. Not often, though, and I'm using Dashlane as password manager...
by DetroitRick
Sun Sep 24, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Transition to new health insurance company - cautions?
Replies: 10
Views: 826

Re: Transition to new health insurance company - cautions?

The single biggest thing to watch for next year under ACA for many of us (besides premiums of course) is breadth of provider networks (PPO's and HMO's). This issue varies in the extreme, depending on exactly which rating zone you are in. So not only does this vary state-to-state, but in many places,...
by DetroitRick
Sat Sep 23, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Asking for no wedding gifts
Replies: 72
Views: 4696

Re: Asking for no wedding gifts

We did it by simply including that request on the printed wedding invitations themselves. We had a small wedding - around 40 to 45. Our situation: both middle-aged and second marriages. Everybody understood and, to the best of my knowledge, appreciated it. A few still gave gifts or cash, most did no...
by DetroitRick
Fri Sep 22, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8912

Re: Age you retired

Retired from career at age 50 (49.75 years). Then did some other stuff for 2 years, part-time mostly. Then (and now) totally retired. Final 40% of career was international trade, first 60% was finance and marketing and combinations thereof.
by DetroitRick
Thu Sep 21, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Time for a new laptop?
Replies: 46
Views: 2519

Re: Time for a new laptop?

As a number of others have mentioned, the mere presence of errors and warnings in those logs is common. They can be anything from trivial, to things that have already been repaired, to serious. While I use those logs once in a while to find the source of a problem, I find them far more time-wasting ...
by DetroitRick
Wed Sep 20, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1430

Re: Do you pay for credit monitoring?

[/quote] Which service do you use? Sounds great to get instant notificaiton. [/quote] It's Itac Sentinel (itacsentinel.com). AAA offers something similar to its members in most states too - for a premium price of $8.99 on top of their free credit monitoring service. Just to clarify, by "instant" I t...
by DetroitRick
Wed Sep 20, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1430

Re: Do you pay for credit monitoring?

Yes, $12.99/mo. It gives me 2 features that I can't get for free and that I need at the moment: 1)quarterly full credit reports from all 3 bureaus, 2)instant notification of activity at those 3 bureaus (which I tested, and it works). Other features too, but those are why I specifically pay the big ...
by DetroitRick
Tue Sep 19, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1430

Re: Do you pay for credit monitoring?

Yes, $12.99/mo. It gives me 2 features that I can't get for free and that I need at the moment: 1)quarterly full credit reports from all 3 bureaus, 2)instant notification of activity at those 3 bureaus (which I tested, and it works). Other features too, but those are why I specifically pay the big b...
by DetroitRick
Tue Sep 19, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade pain coming...
Replies: 18
Views: 3072

Re: Scottrade pain coming...

Schwab might be one possible alternative - although not a perfect match with your criteria. While their non-NTF funds are more costly, $76 on the buy ($0 on sale), they have been expanding their selection of no fee funds. For example, they just moved all T Rowe Price funds into their NTF universe th...