Search found 95 matches

by newbie003
Tue Jul 10, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Tue Jul 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 4855

Re: How to remove garden hose nozzle that is stuck on a hose

Just an update that I finally got around to trying something. I bought this: https://www.amazon.com/gp/product/B0008 ... UTF8&psc=1

I used a saw to cut off the old hose end, attached the item above and (not to jinx it), so far so good!
by newbie003
Tue Jul 10, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Wed Jul 04, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Tue Jul 03, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1441

iPhone: difference between icloud photo library and icloud backup

Question; what's the difference between enabling icloud photo library, and selecting photos as part of the icloud backup? I assume they both use the same amount of storage which comes out of my icloud plan (which i'd upgrade to the 200GB). I assume the only difference is that icloud photo library al...
by newbie003
Tue Jun 12, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 248

Re: E*Trade IPOs

David Jay wrote:
Tue Jun 12, 2018 12:27 pm
I suspect that BH is not the best source for IPO information. As a forum, we tend to have minimal holdings in individual stocks.
Good point, thanks.
by newbie003
Tue Jun 12, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 248

E*Trade IPOs

Has anyone had any luck in getting shares of IPOs via E*Trade? I've had sporadic luck in the past (much better years ago, not so much the past couple).

Thanks.
by newbie003
Thu May 31, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 288

Re: Need help with 401k portfolio

I feel that the target funds are out due to their fees (and thank you for reminding me about the higher fees on some of the other funds I like).

Still reading through your posts.
by newbie003
Thu May 31, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 288

Re: Need help with 401k portfolio

I added the expense ratios above and will read your responses momentarily. Thanks!
by newbie003
Thu May 31, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 288

Need help with 401k portfolio

Am 42, with about half my net work in my old company's 401k at Fidelity. Would like this half of my net work to be allocated assuming I have no other holdings elsewhere (and therefore not worry about how those other funds are allocated). For this exercise, I want to assume these are my only holdings...
by newbie003
Thu May 31, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: High Yield savings accounts recommendations
Replies: 14
Views: 1831

Re: High Yield savings accounts recommendations

Does anyone have any experience with United Bank (https://www.bankatunited.com/Landing/Advantage-Money-Market)? It's at 1.95% right now. I'm currently at Amex personal savings (1.6%), with about $20k, so for the extra $40/year (and then more with compounding) I'm not sure it's worth the slight hassl...
by newbie003
Wed May 30, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Pimco total return (PTTRX) ??
Replies: 19
Views: 1634

Thoughts on Pimco total return (PTTRX) ??

My 401k has PIMCO Total Return Fund Institutional Class (PTTRX) as an option. I'm intrigued, as it has a 7.23% CAGR since June 1987 (according to www.portfoliovisualizer.com) though very weak performance lately. It's only been down a few times since 1987 (and never more than a few %). Any thoughts a...
by newbie003
Mon May 14, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Need help creating time laps video using nest cam outdoor
Replies: 1
Views: 187

Need help creating time laps video using nest cam outdoor

I could use some creating a time laps using nest cam outdoor. I know how to create a time laps, but I'm trying to go back the maximum (10 days) that's recorded on my plan. As best I can tell, I have to keep dragging the blue bar on the bottom to the left, but it only goes a few 'ticks' at a time. I ...
by newbie003
Fri May 11, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3421

Re: Do I need to unfreeze my credit before applying for a new card?

Since I didn't unfreeze my credit, I received a letter in the mail from the credit card company asking for a PIN from experian. It was very easy to obtain one. I then called the # on the letter and gave them the PIN. They said they got what they needed and will let me know. Thanks again for all the ...
by newbie003
Wed May 09, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3456

Re: Which cordless weed whacker to buy?

I've been happy with this one (rechargeable battery operated):

https://www.amazon.com/gp/product/B00HH ... UTF8&psc=1
by newbie003
Wed May 09, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3421

Re: Do I need to unfreeze my credit before applying for a new card?

On a related note, it seems that Equifax and Transunion I can unlock for free, but Experian has a fee (at least here in CT). Is that your experience as well? I can't recall if I paid to lock it, but if I have to pay to unlock it (temporarily to get credit) and then pay to lock it again...that's of c...
by newbie003
Tue May 08, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 4855

How to remove garden hose nozzle that is stuck on a hose

I have tried wd40, pliers, etc... and I cannot get my hose nozzle to budge. Any thoughts?
by newbie003
Tue May 08, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3421

Do I need to unfreeze my credit before applying for a new card?

I have my credit 'frozen' (I went to each of the 3 agencies and froze/locked my credit). Do I need to unfreeze it at each company before applying for a new credit card?
by newbie003
Tue May 08, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs. E*Trade website
Replies: 3
Views: 244

TD Ameritrade vs. E*Trade website

How do you all feel, overall, about the TD website vs. the E*Trade website? I've been with E*Trade for 12 years or so (but did have TD before that), and my parents are still at TD. I absolutely hate, hate, hate the TD website. I find it extremely cumbersome/difficult to pull up a simple history, fin...
by newbie003
Wed Apr 04, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Need advice concerning large gmail (IMAP) account
Replies: 2
Views: 362

Need advice concerning large gmail (IMAP) account

I need some help. My boss retains and requires modestly quick access to literally every email he's ever sent/received (going back about 10 years). He has about 200k (yes, 200,000 emails) in his Gmail all mail folder (about 65 GB) and another 72k (25 GB) in his Sent folder. We currently have it setup...
by newbie003
Mon Mar 26, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 1978

Re: Recurring brake rotor problem

Thanks everybody. they didn't have much info (that they'd tell me anyway) in their notes from last time. I'll go ahead and replace the pads (my cost) while they do the rotors (under warranty). I made sure to have them tell the manager (for whatever that will do) that I want it to be well documented ...
by newbie003
Mon Mar 26, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 1978

Re: Recurring brake rotor problem

Car sits outside. Is driven every day. I've never experienced anything like this with prior vehicles :(
by newbie003
Mon Mar 26, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Recurring brake rotor problem
Replies: 31
Views: 1978

Recurring brake rotor problem

I've been having an issue with our 2014 Buick Enclave, where last year we had to have the brake rotors ground(?) as they were causing a grinding sensation when braking.  A year later it's doing it again. Buick says they'll fix the rotors for free again (still under warranty) but they now say I need ...
by newbie003
Thu Mar 22, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1468

Re: Fuel additives

Thanks all. I generally use top tier gas, and have somewhat lower mileage cars, so I guess I'll save my money :)
by newbie003
Thu Mar 22, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1468

Fuel additives

Are these of any real value?  Years ago I was always told there was no reason to use any sort of additive of any kind.  But I see a lot of products now with hundreds of great reviews, and am wondering if I should be using something.  In particular I was looking at: https://smile.amazon.com/dp/B0097S...
by newbie003
Tue Mar 20, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VDC ?
Replies: 1
Views: 290

Thoughts on VDC ?

Hi all. Several years ago I discovered the VDC (VANGUARD SECTOR INDEX FDS VANGUARD CONSUMER STAPLES) ETF. I really liked it as it seemed to outperform in market dips (i.e. it didn't decline nearly as much as the SPY during the '09 crash) and match/outperform in good times as well (from the bottom of...
by newbie003
Tue Mar 13, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Re: Child's tax return question / parents form 8615

Thank you again. I was able to pull up my sons 8615 and manually enter, on line 10, my tax. I don't think I was getting that option during the interview part. This then reduced the nearly $13k it was saying my son owed, to just over $100 (i.e. $117 in kiddie tax). I think I'm all set! Thank you so m...
by newbie003
Tue Mar 13, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Re: Child's tax return question / parents form 8615

I just looked at my 8615 Worksheet (my daughter pays kiddie tax for 2017), and it's even simpler than I just described, since all the lines with numbers filled in tell you where the number comes from. For example, line 1a is "Parent's taxable income from form 1040, line 43 ...". You can open the 86...
by newbie003
Tue Mar 13, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Re: Child's tax return question / parents form 8615

Hi all. Just following-up again, as I'm attempting to finish returns. I am filing a separate return for my son, and I'm at the point where the H&R Block software says: Child with Unearned Income Because this return is for a taxpayer under age 24, with unearned income over $2,100, we'll help you dete...
by newbie003
Wed Mar 07, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Google calendar alerts (using chrome browser on pc) working differently
Replies: 5
Views: 537

Re: Google calendar alerts (using chrome browser on pc) working differently

I had the same issue. Found this workaround fixed it for my calendar in Chrome so I get the pop-ups again like I used to even when the calendar tab is just another tab that I am not on. https://productforums.google.com/forum/#!topic/calendar/b6AJ3PdQs_k;context-place=topicsearchin/calendar/interrup...
by newbie003
Tue Mar 06, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Google calendar alerts (using chrome browser on pc) working differently
Replies: 5
Views: 537

Google calendar alerts (using chrome browser on pc) working differently

Ever since google forced me to update to their new calendar (with no more option to revert back), I've noticed that notifications (i.e. I have many items set to notify me 10 minutes before the time), no longer work like they used to. In the past, even if I wasn't in Chrome, 10 minutes before an even...
by newbie003
Thu Feb 22, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4838

Re: Any Creative Ways to Cut the Cable?

I cut the cord a few months ago and am very happy with Hulu.
by newbie003
Thu Feb 22, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs. custodial account for my kids
Replies: 11
Views: 837

Re: 529 vs. custodial account for my kids

For my two kids' 529 plans, I am the owner, and they are the beneficiary. Is that what you mean by 'custodial' account?
by newbie003
Thu Feb 22, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs. custodial account for my kids
Replies: 11
Views: 837

529 vs. custodial account for my kids

Is it a no-brainer to put money into a 529 rather than a regular custodial brokerage account? 529 contributions are deductible (with limits, etc.) and, I believe, 529 assets in my name count a lot less against financial aid, than an UTMA account for my kid. Is the above correct, and are there any ot...
by newbie003
Wed Feb 21, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Re: Child's tax return question / parents form 8615

Thanks again for all the help!
by newbie003
Wed Feb 21, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Re: Child's tax return question / parents form 8615

My daughter has a total of about $7,000 in long term proceeds and $6,800 in cost, resulting in the $200 loss.

I believe the 1099 B indicates that all of this was reported to the IRS, so I don't think I need to file, correct?
by newbie003
Wed Feb 21, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Re: Child's tax return question / parents form 8615

Thank you. To confirm, I thought that if someone (i.e. my daughter) has a 1099 B, that they have to file their own return (regardless of the amount). I could be totally wrong here. If I don't need to file a return for her, would I instead report her dividends and cap gains on my return? And even if ...
by newbie003
Wed Feb 21, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Child's tax return question / parents form 8615
Replies: 23
Views: 1382

Child's tax return question / parents form 8615

Hi. As mentioned in a separate post (I wanted to start a new post for this specific question), I have to do separate returns for my kids (ages 6 and 10), because they have capital gains (1099-B). They also have some dividends. I use TaxAct for myself/wife, and bought H&R Block software for my kids (...
by newbie003
Tue Feb 20, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH Ira for kids
Replies: 41
Views: 4293

Re: ROTH Ira for kids

I apologize, as it might be mentioned in this thread, but let's say my son shovels the neighbors driveways and does some small work for my company (well under $600 so no 1099), and earns $100 in total for the year. How/where does he report that on a tax return? For example, for 2017, he had $62 of i...
by newbie003
Thu Feb 15, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why are TLT and AGG declining so much?
Replies: 10
Views: 1535

Re: Why are TLT and AGG declining so much?

What is your time horizon? For your retirement portfolio, most would recommend an intermediate term fund, not a short term fund. For intermediate: BND is the classic, VCIT is the corporate investment grade that is the Intermediate equivalent to VCSH. Great, thank you. I already have some AGG, which...
by newbie003
Thu Feb 15, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 889

Re: Need help with Schedule D

He's got $737 in ordinary dividends, $410 in cap gains distributions, and capital gains of $1,600.

I figured (and was told by someone who often gives me good tax advice) that I should just file a separate return.
by newbie003
Thu Feb 15, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 889

Re: Need help with Schedule D

Thanks. Anybody use this one: https://smile.amazon.com/Block-Software ... B075QDY2VM seems to be among the cheapest
by newbie003
Thu Feb 15, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Why are TLT and AGG declining so much?
Replies: 10
Views: 1535

Re: Why are TLT and AGG declining so much?

Any thoughts on VCSH?

And do you have any specific recommendations on intermediate?

Thanks again!
by newbie003
Thu Feb 15, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 889

Re: Need help with Schedule D

Valid point. I think I'm going to fork over the $ and just use taxact or something...
by newbie003
Thu Feb 15, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 889

Re: Need help with Schedule D

Thanks. I will go ahead and do it the long way :)
by newbie003
Thu Feb 15, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 889

Re: Need help with Schedule D

Your instincts are correct Instructions for 8a: 8a Totals for all long-term transactions reported on Form 1099-B for which basis was reported to the IRS and for which you have no adjustments (see instructions). However, if you choose to report all these transactions on Form 8949, leave this line bl...
by newbie003
Thu Feb 15, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Need help with Schedule D
Replies: 14
Views: 889

Need help with Schedule D

My son has a very simple 1099 B, but I'm having trouble figuring out exactly how to enter it on Schedule D. I don't want to use TaxAct (like I use for my taxes), as it's overkill. My son just has 1099 Div income and a 1099 B. Specifically, he sold 2 stocks in 2017, and it says to report some stuff o...
by newbie003
Thu Feb 15, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Why are TLT and AGG declining so much?
Replies: 10
Views: 1535

Re: Why are TLT and AGG declining so much?

Yeah, it was my bad looking at past returns, and not looking at the ETF itself...