Search found 150 matches

by Gryphon
Wed Jul 01, 2020 4:52 am
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 50
Views: 4504

Re: Device for men's haircuts

Can you use your beard trimmer (like a typical Norelco) for your hair? With the beard trimmer & hair clippers that I own (both Remington) the main drawbacks would be that the beard trimmer is narrower than the hair clippers (so it would take more passes with the beard trimmer), and that the beard t...
by Gryphon
Mon Jun 08, 2020 1:55 pm
Forum: Personal Consumer Issues
Topic: Does Buying an RV make sense?
Replies: 97
Views: 6342

Re: Does Buying an RV make sense?

Overall, you're not saving money traveling with an RV, especially if you're renting one. You're paying extra to have a different travel experience, and that's either worth the extra money to you, or it's not. A couple other things to take into account: If you're staying in hotels, then you're eating...
by Gryphon
Wed Jun 03, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax to save Tax files
Replies: 17
Views: 1330

Re: Turbo Tax to save Tax files

The last 10 years or so, I've been keeping everything in electronic form only. Most tax related forms I receive electronically to begin with, and the few that are on paper I mostly scan & then toss the paper. The only paper forms I keep are the personal property tax receipts for my vehicles because ...
by Gryphon
Fri May 22, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Any easy way to check accuracy of Amazon credit card bill?
Replies: 9
Views: 873

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

Hypothetically the same thing could be happening at your local grocery store - they could stick a phantom charge onto your receipt for something you didn't buy. You'd have to scrutinize your receipt to make sure everything matched up with what's in your bags. I only check the receipt if the total is...
by Gryphon
Fri May 15, 2020 6:03 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3573

Re: Must carry more than one credit card

Moral of the story: Always carry 2 credit cards! I would amend that slightly to say carry 2 credit cards from 2 different banks. If your two cards are a Costco Visa and a Citi Double Cash Mastercard, for example, those are both Citi cards; if you're having a problem with Citi, they're both vulnerab...
by Gryphon
Tue Feb 25, 2020 11:08 pm
Forum: Personal Consumer Issues
Topic: heating element of warm mist humidifier is flaking
Replies: 9
Views: 515

Re: heating element of warm mist humidifier is flaking

If it is mineral scale, why isn't the part that spends all of its time immersed in the tap water the part that has the scale? The top of the photo is attached to the humidifier and the bottom of the photo shows the section of the heating element that is immersed in the tap water. This section has n...
by Gryphon
Tue Feb 25, 2020 8:25 pm
Forum: Personal Consumer Issues
Topic: heating element of warm mist humidifier is flaking
Replies: 9
Views: 515

Re: heating element of warm mist humidifier is flaking

Looks like mineral scale to me, too. I would guess that you've been putting tap water in it - you should switch to distilled after you get the scale off.
by Gryphon
Sun Feb 16, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 for Mac
Replies: 15
Views: 1984

Re: Quicken 2019 for Mac

Have there been any upgrades to Quicken for Mac for 2020? Yes, they released an update in January (15.4), with a few follow-on patch releases. The changes mainly had to do with auto-categorization of downloaded transactions & auto-completion of manually entered transactions. There was also a 15.3 u...
by Gryphon
Thu Feb 13, 2020 10:34 am
Forum: Personal Investments
Topic: Ally Bank buckets are operational
Replies: 6
Views: 1136

Re: Ally Bank buckets are operational

I have 10 savings accounts and 2 checking accounts at Ally that I have used as buckets for money to go for a long time. Are the new buckets at Ally still limited to 6 withdrawals per month of the underlying savings account? I have savings accounts for medical, travel, etc.. and routinely go over 6 ...
by Gryphon
Tue Feb 11, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax and 1099R question
Replies: 4
Views: 517

Re: Turbotax and 1099R question

If you keep going, you'll get to it pretty soon. The order of the sections in the Wages & Income portion of the interview is: Wages & Salaries Unemployment 1099-MISC & Other Common Income Interest & Dividends Investment Income Retirement Plans & Social Security <--- this is where you enter your 1099...
by Gryphon
Sun Feb 02, 2020 3:33 am
Forum: Personal Finance (Not Investing)
Topic: Social security payment dates?
Replies: 5
Views: 790

Re: Social security payment dates?

This year's SS payment calendar: https://www.ssa.gov/pubs/EN-05-10031-2020.pdf Retirees who started their benefits prior to May 1997 get paid on the 3rd. Folks who started after that get paid on either the second, third, or fourth Wednesday of the month, depending on what day of the month you were b...
by Gryphon
Sun Feb 02, 2020 3:24 am
Forum: Personal Investments
Topic: Do you feel less willing to contribute as retirement accounts get larger?
Replies: 57
Views: 4600

Re: Do you feel less willing to contribute as retirement accounts get larger?

I retired 3 years ago, and kept contributing as much as I could right up til the end. I never felt less willing to contribute. The bulk of my retirement savings was in my 401K and I only checked its balance quarterly, so I was blissfully unaware of the size of the day-to-day fluctuations.
by Gryphon
Thu Jan 23, 2020 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Form 5498 Box 2 - rolled over Roth 401k
Replies: 24
Views: 1253

Re: Roth IRA Form 5498 Box 2 - rolled over Roth 401k

I'd expect to get a final 5498 after April 15th even if there's no further account activity. But absolutely you should get another one if you make a TY 2019 deposit before April 15th.
by Gryphon
Thu Jan 23, 2020 10:51 pm
Forum: Personal Consumer Issues
Topic: Replacing Working Washing Machine
Replies: 14
Views: 1458

Re: Replacing Working Washing Machine

I would expect to get a least a few more years out of a 10 year old washing machine. I wouldn't sell one at that age just because of its age.
by Gryphon
Thu Jan 23, 2020 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Form 5498 Box 2 - rolled over Roth 401k
Replies: 24
Views: 1253

Re: Roth IRA Form 5498 Box 2 - rolled over Roth 401k

A trustee to trustee transfer is a transfer. A rollover is when they send you a check which you then deposit in the destination account. When I moved my Roth IRA a few years ago, it was a trustee to trustee transfer, and the rollover box on the 5498 was 0. I'm a little curious that you got a 5498 fo...
by Gryphon
Wed Jan 22, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Anybody else have trouble with USPS Informed Delivery?
Replies: 36
Views: 4027

Re: Anybody else have trouble with USPS Informed Delivery?

I think the reason some mail shows "no image available" is because it doesn't go thru the machines which capture pictures. Size is a factor. My completely unscientific impression is that anything bigger than half a sheet of paper (approx 6x9 or larger) won't get scanned. I've also noticed a couple ...
by Gryphon
Tue Jan 21, 2020 2:06 pm
Forum: Personal Consumer Issues
Topic: Looking for a good duplex scanner
Replies: 22
Views: 1143

Re: Looking for a good duplex scanner

stan1 wrote:
Tue Jan 21, 2020 7:40 am
Is Scansnap hardware and software fully supporting Windows 10 and macOS Catalina now?
I've been using mine with Catalina for the past few weeks without any issues.
by Gryphon
Tue Jan 21, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Looking for a good duplex scanner
Replies: 22
Views: 1143

Re: Looking for a good duplex scanner

02nz wrote:
Tue Jan 21, 2020 10:28 am
An alternative is to buy a all-in-one (multifunction) printer/scanner, and just use the scanner.
I tried using a Brother all-in-one for a time. It got the job done but was much slower than a Scansnap, so there's definitely a tradeoff.
by Gryphon
Mon Jan 20, 2020 11:31 pm
Forum: Personal Consumer Issues
Topic: Looking for a good duplex scanner
Replies: 22
Views: 1143

Re: Looking for a good duplex scanner

Another Scansnap fan here. I had a S500M duplex scanner that I used for many years. Currently using an iX100 as my scanning needs are pretty light now compared to 10 years ago, and I decided that it was no longer worth paying extra for duplex. Both have been good - I've had no problems with jamming ...
by Gryphon
Tue Jan 14, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Stove range lights
Replies: 16
Views: 742

Re: Stove range lights

If you want to use the low setting you're going to want dimmable lights. I replaced the exterior lights in my over-the-range microwave with dimmable LEDs several years ago. It seems to me they flicker a tiny amount on the low setting, but I can barely tell.
by Gryphon
Tue Jan 14, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 1099-R (2018&2019 Excess Roth Contributions)
Replies: 11
Views: 577

Re: 2019 1099-R (2018&2019 Excess Roth Contributions)

If it was me, I would do what H&R Block suggested, and not even bother with a cover letter. As long as all the information from the 1099-R winds up reported on your tax return, I don't think the IRS is going to care whether you were sent one form or three.
by Gryphon
Sat Jan 11, 2020 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Using Costco CASH Cards at Automotive section
Replies: 31
Views: 2325

Re: Using Costco CASH Cards at Automotive section

I'm curious, does the purchase of gift cards earn rewards on the Costco credit card? I'm not sure, as I've never bought one. But I can't find anything that says they don't earn points. Here's a list of the stuff that they say won't earn points: What doesn't qualify as a purchase?: The following typ...
by Gryphon
Sat Jan 11, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Using Costco CASH Cards at Automotive section
Replies: 31
Views: 2325

Re: Using Costco CASH Cards at Automotive section

Tried to purchase a battery (..brought in old core for a swap as required..) from the automotive side of Costco warehouse and was told by automotive section cashier that non-members can not purchase using a Costco CASH CARD as they can not register non-member. I asked if the receipt saved for 3 yea...
by Gryphon
Thu Jan 09, 2020 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card website increased security required
Replies: 5
Views: 647

Re: Credit card website increased security required

This logon security is new. Sometimes they are now using this notification reply by email, telephone, etc. Sometimes now they ask me some of my security questions. This is quite unusual. Not in my experience. I'd say almost half of the financial institutions I log into every month are doing this no...
by Gryphon
Wed Jan 08, 2020 4:00 pm
Forum: Investing - Theory, News & General
Topic: 1040 Schedule A update?
Replies: 6
Views: 621

Re: 1040 Schedule A update?

I guess we will have to wait a while longer I couldn't even find a reference at the Turbo-Tax site that acknowledged the change...glad the software has it correct They just pushed out that TurboTax update today. But that form is still flagged as "do not file", so they're apparently not done making ...
by Gryphon
Wed Jan 08, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: new HSA account - two accounts? whose name on the acct?
Replies: 4
Views: 329

Re: new HSA account - two accounts? whose name on the acct?

HSAs are individual accounts, so the account will be in either your name or your spouse's name. You're not required to have accounts for both you and your spouse if the two of you really don't want to. You could put all $7100 in your account, and use that one account to reimburse medical expenses fo...
by Gryphon
Wed Jan 08, 2020 2:53 pm
Forum: Personal Investments
Topic: Tax documents - IRA moved from Fidelity to Merrill Edge
Replies: 5
Views: 354

Re: Tax documents - IRA moved from Fidelity to Merrill Edge

When I transferred a Roth IRA a few years ago, I did not receive any tax documents from either institution related to the transfer. The only thing I did receive was the usual 5498 to document the annual IRA deposit I made later that year, but it did not show any activity related to the transfer. How...
by Gryphon
Fri Jan 03, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Apologies For Another Social Security Question
Replies: 5
Views: 809

Re: Apologies For Another Social Security Question

If my math is correct, you were born in August 1955, and your full retirement age is 66 years & 2 months, which you will reach in October 2021. This web page shows how much your benefit will be reduced if you start taking SS before then. If you start in January 2021, that's 9 months early which will...
by Gryphon
Fri Jan 03, 2020 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 HSA contribution deadline?
Replies: 8
Views: 649

Re: 2019 HSA contribution deadline?

I don't want to hijack but have a question along this line. I'm sure the answer is "no", but if I first became eligible for an HSA 1/1/2020 can I contribute for the previous year as well if we have until April 15th? If you weren't eligible to make an HSA contribution anytime in 2019, then you can't...
by Gryphon
Fri Jan 03, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 HSA contribution deadline?
Replies: 8
Views: 649

Re: 2019 HSA contributin deadline?

Sounds right to me. You have until April 15th to make HSA contributions for the previous year.
by Gryphon
Thu Jan 02, 2020 2:29 pm
Forum: Investing - Theory, News & General
Topic: Going from 24 to 26 pay cycles [Impact on 401(k) contributions?]
Replies: 27
Views: 1510

Re: Going from 24 to 26 pay cycles

It may also depend on your employer. I've worked places where payroll deductions are bimonthly -- for the two months per year where you receive a third paycheck, less gets taken out. Where I last worked with a biweekly paycheck, it depended on the deduction. 401K contributions were taken from every...
by Gryphon
Wed Jan 01, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: What was your travel in 2019?
Replies: 19
Views: 1381

Re: What was your travel in 2019?

Drove the RV to Alaska & back this summer. Eight states, 3 Canadian provinces, and 16 National Parks; most of them I had not been to before.
by Gryphon
Wed Jan 01, 2020 10:07 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1087
Views: 121814

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th [2018]

I will contribute to my Fidelity HSA account now that I am enrolled in a HDHP. I have a $50 covered expense I incurred today 01-01-2020 that I would like to claim now (instead of years later). Questions: Do I only deposit $3500 in the HSA and keep $50 in my bank account, but still claim $3550 as my...
by Gryphon
Sat Dec 28, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37616

Re: Turbotax 2019 on Amazon

I purchased TurboTax Deluxe with one state's return. I moved from Illinois to North Carolina in September and I am wondering which state I should use the TT return function for, or if it doesn't matter at all. Both IL and NC have a state income tax; I rented in Illinois and bought a house this mont...
by Gryphon
Sat Dec 28, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits when you switch to ACA eligible plan?
Replies: 5
Views: 498

Re: HSA contribution limits when you switch to ACA eligible plan?

I’m in a similar situation as OP (partial year eligibility beginning mid year in 2019, which will continue all through 2020). I understand under the last month rule I can take a full HSA deduction for 2019, but will also be able to also take a full HSA deduction in 2020 as well? Yes. Follow up ques...
by Gryphon
Fri Dec 27, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Tall airtight box
Replies: 26
Views: 1878

Re: Tall airtight box

Another option would be one of those vacuum storage systems - either the food saver variety or one of the vacuum cleaner operated types used for storing clothing. The food savers seal quite well, and you could make a bag as long as is needed since the material is in rolls. I've never used one of the...
by Gryphon
Thu Dec 26, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 2
Views: 540

Re: Health Savings Account

if you're enrolled in an HDHP for only part of the year, you can contribute a pro-rated amount to your HSA. So if (for example) you have an HDHP for January - March & switch to Medicaid in April, you can contribute 1/4 of the maximum HSA contribution in 2020. One exception: If you contributed the ma...
by Gryphon
Mon Dec 23, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5827

Re: Time to replace the Water Heater - Lots of Questions - Help!

I had my water heater replaced 4 years ago. I can't recall the brand off the top of my head (I'm not at home, otherwise I'd go to the basement & check) but it was $1500-1600 to remove the old one, install the new one, and add an expansion tank (I didn't have one previously). That also included the c...
by Gryphon
Mon Dec 23, 2019 8:37 pm
Forum: Personal Investments
Topic: Aftertax 401(k) - Do you have it? If so, do you do it?
Replies: 27
Views: 1995

Re: Aftertax 401(k) - Do you have it? If so, do you do it?

We had it where I worked before I retired, but I never made much use of it. Small aftertax amounts would go in at the end of every year when I hit the tax deferred contribution limit sometime in December. At first I withdrew those aftertax contributions the next month, but at some point I just stopp...
by Gryphon
Sun Dec 22, 2019 8:51 pm
Forum: Personal Consumer Issues
Topic: Credit card payment habits
Replies: 72
Views: 4321

Re: Credit card payment habits

Pay in full every month, within a few days of receiving the email notification that there's a new statement.
by Gryphon
Thu Dec 19, 2019 11:28 pm
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Apps/Data/Files from Old PC to New PC
Replies: 6
Views: 500

Re: Techies: Advice on How to Transfer Apps/Data/Files from Old PC to New PC

For programs, I wouldn't try to move them, I'd do a fresh installation on the new PC. I wouldn't trust a third party program to know where all the files & registry settings are for a bunch of apps, especially on a Windows system. And if you're trying to move the apps to a different drive than they w...
by Gryphon
Thu Dec 19, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Excel Formula Cannot Figure Out
Replies: 28
Views: 1733

Re: Excel Formula Cannot Figure Out

Wish I worked at your company, 4380 hours is a lot of PTO! You can nest logical IFs, but personally I think complicated Excel formulas are a big problem with Excel, and using a complicated formula for anything related to HR and comp puts a business at risk. Especially when you start copying formula...
by Gryphon
Thu Dec 05, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2019 Deluxe vs Premier
Replies: 15
Views: 1154

Re: TurboTax 2019 Deluxe vs Premier

But doesn't TurboTax say that only Premier can handle 1099B? I understand that for a year with only simple stock sales, one can just fill the forms by hand and mail it in (if he/she knows how to do it). But if you want to e-file with 1099B, is Premier the only option? You don't need Premier for a 1...
by Gryphon
Mon Dec 02, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 369
Views: 33301

Re: Quicken 2019 and forward

If you have a retail box, look at the back of the box in small print on the bottom, it will list the activation code expiration date. If you're buying a subscription code from Amazon there's no box, just an email with the code. Rather than buying several all at once, I'd suggest starting with just ...
by Gryphon
Sun Dec 01, 2019 3:47 pm
Forum: Personal Consumer Issues
Topic: New Macbook Pro - dvd drive
Replies: 31
Views: 1988

Re: New Macbook Pro - dvd drive

I've been using a Samsung external BluRay drive since 2014 with my MacBook Pro. Model number SE-506, don't know if it's still sold or not. It's handled every type of disc I've put in it - CD, DVD, BluRay. Of course, the Mac won't play BluRay movies without third party software.
by Gryphon
Sun Dec 01, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Where to buy the CD version of Microsoft Office?
Replies: 20
Views: 1995

Re: Where to buy the CD version of Microsoft Office?

You can also buy it directly from Microsoft for $99 this week. This is a download, not a CD, but it's the stand-alone version that you're looking for. I don't think Microsoft even makes a CD version of Office anymore, so I'd be suspicious of anyone selling that. If you really want to buy through Ama...
by Gryphon
Thu Nov 14, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: pay1040 slow to post on credit card ?
Replies: 5
Views: 503

Re: pay1040 slow to post on credit card ?

Monday was a bank holiday, so this is only the 3rd business day since the transaction. 3 business days isn't an unusually long time for credit transactions to post, in my experience, so I'd give it at least another day. If it hasn't posted by Monday, then maybe I'd start to look into it.
by Gryphon
Thu Nov 14, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37616

Re: Turbotax 2019 on Amazon

But what happens to people who have a hardware failure, or a laptop stolen? Isn't there some way to get a new download of 2018 software since I did pay for it? If you bought it as a digital download from Amazon (ie, not on a disc), then yes there is a way to re-download it. Log in to your Amazon ac...
by Gryphon
Thu Nov 07, 2019 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 701
Views: 79944

Re: Fidelity Free Turbotax 2019

I'm thinking about how desperate somebody with $5M+ assets with Fidelity would be to save 20 or 50 dollars on tax software, that Fidelity would use that as an advertising perk. Financially, it's down in the noise, yes, but don't discount the value of the ego boost of getting for free something that...
by Gryphon
Sun Aug 11, 2019 8:09 pm
Forum: Investing - Theory, News & General
Topic: A Danish bank is offering mortgages at a 0.5% negative interest rate
Replies: 6
Views: 1914

Re: A Danish bank is offering mortgages at a 0.5% negative interest rate

There was a discussion thread about this over on BoingBoing , and a commenter from Denmark explained a bit about how this works out: The rates are fixed (unfixed rated mortgages also exist)- These mortgages are effectively bonds that people looking for a “safe haven” for their money are willing to l...