This might help:
https://help.yahoo.com/kb/manage-spam- ... irect=true
Google’s spam filtering is excellent. I would never use any of the free email services personally, but if I did, it would be Gmail.
Search found 302 matches
- Tue Feb 23, 2021 1:31 pm
- Forum: Personal Consumer Issues
- Topic: Yahoo Mail Problem
- Replies: 15
- Views: 1150
- Mon Feb 22, 2021 5:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: CA to WA move tax question
- Replies: 13
- Views: 900
Re: CA to WA move tax question
Some considerations: 1) While WA has no income tax, like the other states that don’t, they have to get their revenue somewhere. In WA, the property taxes are higher (and increases are not capped like CA) and there is an inheritance tax. What is your combined taxable income? The CA income tax isn’t ...
- Mon Feb 22, 2021 10:23 am
- Forum: Personal Finance (Not Investing)
- Topic: How to compare Job incomes (with pension)?
- Replies: 47
- Views: 2898
Re: How to compare Job incomes (with pension)?
This post will likely be controversial, but having a public sector job with a pension is entirely different than having a private sector job without a pension. First of all unions are more involved in the public sector. This means better pensions and healthcare benefits. Of course getting laid off ...
- Mon Feb 22, 2021 9:44 am
- Forum: Personal Finance (Not Investing)
- Topic: CA to WA move tax question
- Replies: 13
- Views: 900
Re: CA to WA move tax question
Some considerations: 1) While WA has no income tax, like the other states that don’t, they have to get their revenue somewhere. In WA, the property taxes are higher (and increases are not capped like CA) and there is an inheritance tax. What is your combined taxable income? The CA income tax isn’t t...
- Sun Feb 21, 2021 8:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to compare Job incomes (with pension)?
- Replies: 47
- Views: 2898
Re: How to compare Job incomes (with pension)?
Unless I missed it, I don’t believe anyone mentioned the ability to retire earlier in government should be assigned a value. Either the opportunity benefit to draw an early pension and continue earning a salary elsewhere (double-dipping), or simply the ability to enjoy early retirement. This has no...
- Sun Feb 21, 2021 7:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to compare Job incomes (with pension)?
- Replies: 47
- Views: 2898
Re: How to compare Job incomes (with pension)?
Unless I missed it, I don’t believe anyone mentioned the ability to retire earlier in government should be assigned a value. Either the opportunity benefit to draw an early pension and continue earning a salary elsewhere (double-dipping), or simply the ability to enjoy early retirement.
- Sat Feb 20, 2021 12:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: Do you need to remove credit freeze to open brokerage accounts?
- Replies: 18
- Views: 1162
Re: Do you need to remove credit freeze to open brokerage accounts?
https://www.chexsystems.com is often used for bank accounts. Very easy to freeze/unfreeze with them. Just hope it’s not Equifax. They are completely broken since the breach from what I can tell. All 3 family members have done everything we can to get Equifax accounts set up so we can freeze/unfreez...
- Sat Feb 20, 2021 10:48 am
- Forum: Personal Consumer Issues
- Topic: Amazon Firestick vs. Roku
- Replies: 72
- Views: 4324
Re: Amazon Firestick vs. Roku
I have both and like the Roku interface better. However, there are 2 things I do not like about Roku. 1. The unit does not shut off. Be sure to leave it set at home or it could continue streaming when not viewing. 2. The mute switch is on the side and we have trouble accidently hitting it when hand...
- Sat Feb 20, 2021 10:25 am
- Forum: Personal Consumer Issues
- Topic: Amazon Firestick vs. Roku
- Replies: 72
- Views: 4324
Re: Amazon Firestick vs. Roku
We got our first Roku about 10 years ago, when we cut the cable cord and home phone and went Internet-only. We currently have 3 in our house ($30 Roku Express), and they all sync perfectly. I’ve never used any other streaming devices, so I can’t compare or contrast them. I do know I prefer an agnost...
- Thu Feb 11, 2021 9:16 am
- Forum: Personal Finance (Not Investing)
- Topic: Of Net Worth, Pensions, and Annuities...
- Replies: 34
- Views: 2479
Re: Of Net Worth, Pensions, and Annuities...
IMO, there never appears to be any consensus on what should be included in net worth. Some include their home and/or pension, others don’t. To me, net worth is just a snapshot at any given time to assess overall wealth accumulation. It doesn’t do anything else. I’m in the #4 camp, unless the pension...
- Tue Feb 09, 2021 1:32 pm
- Forum: Personal Investments
- Topic: Are Bogleheads still investing at Vanguard?
- Replies: 132
- Views: 11497
Re: Are Bogleheads still investing at Vanguard?
I’m staying with them at this time, partially due to the friction involved in moving providers, but have some concerns long-term with the ongoing threads ref. service quality, although admittedly I rarely contact them. My main issue is their IT (2FA with Google Voice has to be a call as texts are no...
- Wed Feb 03, 2021 1:11 pm
- Forum: Investing - Theory, News & General
- Topic: Does the 4% rule take tax, fees etc into account?
- Replies: 362
- Views: 12787
Re: Does the 4% rule take tax, fees etc into account?
Should portfolio investment returns that are being withdrawn for expenses (rather than reinvested) be included in the SWR %, or only principal? Just figured I’d throw that in as the question popped into my head the other day, and I never got around to researching it. (I don’t want to hijack the OP’s...
- Tue Feb 02, 2021 3:04 pm
- Forum: Personal Finance (Not Investing)
- Topic: Comparing pension options
- Replies: 36
- Views: 2442
Re: Comparing pension options
OP, I had to go through the same thought process as you recently. You can read the thread here: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=290944 I many months researching my pension decision. Definitely one of the tougher financial decisions I’ve had to make, as it’s an irrevocable ch...
- Sat Dec 19, 2020 8:20 pm
- Forum: Personal Consumer Issues
- Topic: Are Strong Passwords Really Necessary?
- Replies: 313
- Views: 15428
Re: Are Strong Passwords Really Necessary?
How is this calculated? Seems a bit sketchy information. Let's say you have a password that takes 25 seconds to guess in that chart. Is Amazon or some other website really going to let some hacking program send thousands of queries to the same account without reacting? Seems internet security would...
- Sat Dec 19, 2020 7:58 pm
- Forum: Personal Consumer Issues
- Topic: Are Strong Passwords Really Necessary?
- Replies: 313
- Views: 15428
Re: Are Strong Passwords Really Necessary?
This may be of interest:


- Sat Dec 12, 2020 10:24 pm
- Forum: Personal Consumer Issues
- Topic: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
- Replies: 107
- Views: 4977
Re: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
I’d recommend you look at Ting Mobile (ting.com). l’ve been with them 5 years and they’re great. Ting has just announced new plans (unlimited calls and texts, and choose how you want your data). Our account has 3 phones, two are on Verizon’s network, and one on T-Mobile. Thank you so much for shari...
- Sat Dec 12, 2020 6:45 pm
- Forum: Personal Consumer Issues
- Topic: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
- Replies: 107
- Views: 4977
Re: Transitioning from AT&T to MVNO (Mint Mobile?) - Please Critique This Plan
I’d recommend you look at Ting Mobile (ting.com). l’ve been with them 5 years and they’re great. Ting has just announced new plans (unlimited calls and texts, and choose how you want your data). Our account has 3 phones, two are on Verizon’s network, and one on T-Mobile.
- Thu Oct 29, 2020 7:34 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2021 IRS inflation adjustments announced
- Replies: 36
- Views: 4229
- Thu Oct 15, 2020 11:21 am
- Forum: Personal Investments
- Topic: Extra $1000 a month. What do I do?
- Replies: 38
- Views: 3225
Re: Extra $1000 a month. What do I do?
I’d put it towards the mortgage. Maybe also refi into a 15 or 10 yr with a better rate? Your rate is good, however, so keeping the 30 yr and paying extra is also a good option IMO.
- Fri Oct 02, 2020 1:46 pm
- Forum: Personal Consumer Issues
- Topic: Experience? Buying items such as computers directly from manufacturer (e.g. Dell) instead of Amazon
- Replies: 46
- Views: 3040
Re: Experience? Buying items such as computers directly from manufacturer (e.g. Dell) instead of Amazon
I’ve had good experience buying from Dell directly. You can buy from Amazon through Dell’s Store there. I’ve purchased Apple products from the Apple Store on Amazon, and gotten much better prices sometimes. I’m fine buying either way, as long it’s the manufacture’s bona fide store on amazon, and not...
- Fri Sep 25, 2020 8:31 pm
- Forum: Personal Consumer Issues
- Topic: Any Blended Scotch Drinkers Here?
- Replies: 59
- Views: 5316
Re: Any Blended Scotch Drinkers Here?
I feel somewhat educated on bourbon, but not very much so on scotch. Can you tell me what you get out of blended scotch in particular? Is it that it's cheaper than single-malt ... Makers of blended scotch have a wider palette to choose from when creating their product. This makes it easier to produ...
- Fri Sep 25, 2020 8:23 pm
- Forum: Personal Consumer Issues
- Topic: Any Blended Scotch Drinkers Here?
- Replies: 59
- Views: 5316
Re: Any Blended Scotch Drinkers Here?
Agreed with the forum that Jack Walker Black is as satisfying, complex and consistent a blended scotch as anything comparable on the market, and it's been that way for decades. Red label is not nearly as interesting, and Green label is actually a blended malt (all malts, no grains) and has not been...
- Fri Sep 25, 2020 5:02 pm
- Forum: Personal Consumer Issues
- Topic: Any Blended Scotch Drinkers Here?
- Replies: 59
- Views: 5316
Re: Any Blended Scotch Drinkers Here?
I generally like single malts. Nothing fancy; Glenmorangie 10yr old will do. However, I came across Cutty Sark Prohibition Edition about a year ago, which is a 100-proof blend, and really liked it (so much, I ended up buying quit a few cases of it on sale for $11.99 at a local liquor store). It norm...
- Wed Sep 23, 2020 5:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: How does brand new credit card get compromised?
- Replies: 19
- Views: 1843
Re: How does brand new credit card get compromised?
+1 on the double Citi compromise. Went years without one, then it happened, got new cards, and they were also compromised within weeks. Transactions all occurred in another state we hadn’t been to.
- Tue Sep 22, 2020 4:54 pm
- Forum: Personal Consumer Issues
- Topic: Computer Monitor, what to get? (So many options)
- Replies: 24
- Views: 1519
Re: Computer Monitor, what to get? (So many options)
+1 on the QHD. I have a 32” ViewSonic that I use for my work monitor during the day, and for watching TV using a Roku in the evening. Love it for both uses.
- Tue Sep 22, 2020 3:57 pm
- Forum: Personal Consumer Issues
- Topic: What is your favorite reasonably priced bourbon?
- Replies: 278
- Views: 31761
Re: What is your favorite reasonably priced bourbon?
Just researched bourbon recently as I wanted a break from scotch. I’ve never purchased bourbon before, but have tried it on several occasions. I settled for Wild Turkey 101, as it got good reviews and is not too sweet. $18.99 at Trader Joe’s yesterday. It’s surprisingly good, especially for the price.
- Mon Sep 21, 2020 5:24 pm
- Forum: Personal Consumer Issues
- Topic: I found a random cord going into my subfloor?!?!
- Replies: 13
- Views: 1900
Re: I found a random cord going into my subfloor?!?!
Do you have a neighbor close by? 

- Mon Sep 21, 2020 7:42 am
- Forum: Personal Finance (Not Investing)
- Topic: Hospital bill for deceased parent...received 2 years later.
- Replies: 67
- Views: 7652
Re: Hospital bill for deceased parent...received 2 years later.
Spouses are liable for each other’s debts generally, after that any outstanding debts come out of their estate. This is assuming the debt is legit and payable and cannot be negotiated away. This is not the law in most states. Gill I should have worded it better. About 9 states are community propert...
- Mon Sep 21, 2020 6:49 am
- Forum: Personal Finance (Not Investing)
- Topic: Hospital bill for deceased parent...received 2 years later.
- Replies: 67
- Views: 7652
Re: Hospital bill for deceased parent...received 2 years later.
Hence the word “generally.” There other situations where the spouse may not be liable as well.
Edit: I missed the OP is in NJ, which is not a community property state, in which case the spouse may not be liable.
- Mon Sep 21, 2020 6:31 am
- Forum: Personal Finance (Not Investing)
- Topic: Hospital bill for deceased parent...received 2 years later.
- Replies: 67
- Views: 7652
Re: Hospital bill for deceased parent...received 2 years later.
Spouses are liable for each other’s debts generally, after that any outstanding debts come out of their estate. This is assuming the debt is legit and payable and cannot be negotiated away.
- Sun Sep 20, 2020 12:50 pm
- Forum: Personal Consumer Issues
- Topic: Google voice device ?
- Replies: 25
- Views: 1599
Re: Google voice device ?
I couldn’t find anything much out there. Do you have an old smartphone you can put the GV app on? Just wondering why you don’t want the GV app on your main smartphone? Keep in mind Google is known to pull support for things (including the Obihai temporarily in the past), maybe something to think abo...
- Sat Sep 19, 2020 12:32 pm
- Forum: Personal Consumer Issues
- Topic: Anyone REGRET retiring too soon?
- Replies: 77
- Views: 15179
Re: Anyone REGRET retiring too soon?
With retirement around the corner and a bit earlier than some (mid 50s), I’ve given much thought to “will I regret it.” Will I get bored or thrive, etc? I just keep coming to the same conclusion that delaying retirement is not the answer, because I’ll just be facing the same situation at a later dat...
- Fri Sep 18, 2020 12:12 pm
- Forum: Personal Finance (Not Investing)
- Topic: Elder abuse? Elderly woman sold home for far less than market value
- Replies: 50
- Views: 4886
Re: Elder abuse? Elderly woman sold home for far less than market value
I have some experience is this area, so here’s a primer: Anyone can file a suspected child, dependent adult, or elder abuse report for any reason. Some people in certain occupations are mandated to do so. It’s usually handled at the county level by the social services agency (SSA). One can also repo...
- Fri Sep 18, 2020 11:00 am
- Forum: Personal Finance (Not Investing)
- Topic: Discretionary spending strategy
- Replies: 21
- Views: 1963
Re: Discretionary spending strategy
Once all the fun spending--and I find it interesting that you don't include vacations and eating out in this category, which clearly falls under discretionary for most BHs--starts eating into your savings rate, that's the time to hit the spreadsheet and juggle the numbers. We do actually consider v...
- Fri Sep 18, 2020 10:39 am
- Forum: Personal Finance (Not Investing)
- Topic: Botched 529 Rollover and Tax Implications
- Replies: 3
- Views: 393
Re: Botched 529 Rollover and Tax Implications
I’d just file your taxes had no rollover occurred. Then wait (i.e., do not try and take care this preemptively with the IRS). You will probably get an audit letter from the IRS later for additional taxes and penalties, unless you can justify what is on your tax return is correct. Respond at that tim...
- Thu Sep 17, 2020 9:13 am
- Forum: Personal Finance (Not Investing)
- Topic: Discretionary spending strategy
- Replies: 21
- Views: 1963
Re: Discretionary spending strategy
Once all the fun spending--and I find it interesting that you don't include vacations and eating out in this category, which clearly falls under discretionary for most BHs--starts eating into your savings rate, that's the time to hit the spreadsheet and juggle the numbers. We do actually consider v...
- Thu Sep 17, 2020 7:51 am
- Forum: Personal Finance (Not Investing)
- Topic: Discretionary spending strategy
- Replies: 21
- Views: 1963
Re: Discretionary spending strategy
Thanks everyone. I found the range of responses interesting. I figured I’d address some of the responses in a single post: 1) Several people said they don’t worry about tracking discretionary spending. I get that it’s one less thing to do, especially for people who are perhaps very well off and thei...
- Wed Sep 16, 2020 11:43 am
- Forum: Personal Consumer Issues
- Topic: Utilizing a bank security freeze?
- Replies: 20
- Views: 1049
Re: Utilizing a bank security freeze?
Ya, Chex is easy. Only thing I don't like about them is they mail you a PIN. I never got the PIN the first time, and didn't realize it, so was delayed a new account while waiting for them to send me a replacement. Interesting. We’re still waiting on one family member’s PIN in the mail. I have a fee...
- Wed Sep 16, 2020 10:52 am
- Forum: Personal Consumer Issues
- Topic: Utilizing a bank security freeze?
- Replies: 20
- Views: 1049
Re: Utilizing a bank security freeze?
Our family did a Chex freeze. Very easy to do (they all are relatively, except for Equifax which can be problematic). Our prior credit union did a Chex pull when we opened accounts, but Wells Fargo doesn’t appear to from recent experience. I’d definitely do a freeze. Also do one for Innovis (the fo...
- Wed Sep 16, 2020 10:01 am
- Forum: Personal Finance (Not Investing)
- Topic: Discretionary spending strategy
- Replies: 21
- Views: 1963
Re: Discretionary spending strategy
After making sure everything is funded and the bills are paid, whatever is leftover in the checking account is our fun money. No need to budget it. We actually never budgeted. The only reason decided to for the fun money portion is to: 1) “force” ourselves to enjoy money a bit more. Without budgeti...
- Wed Sep 16, 2020 9:28 am
- Forum: Personal Finance (Not Investing)
- Topic: Discretionary spending strategy
- Replies: 21
- Views: 1963
Discretionary spending strategy
DW and I recently decided that although we live well, we want to implement a “fun money” monthly allowance. Just to get this out the way: we have zero debt (inc. paid for home), retirement (pre-tax and Roth IRA) are being maxed, 529 is fully funded, and we have a two-comma portfolio that will provid...
- Tue Sep 15, 2020 11:15 am
- Forum: Personal Consumer Issues
- Topic: Utilizing a bank security freeze?
- Replies: 20
- Views: 1049
Re: Utilizing a bank security freeze?
Our family did a Chex freeze. Very easy to do (they all are relatively, except for Equifax which can be problematic). Our prior credit union did a Chex pull when we opened accounts, but Wells Fargo doesn’t appear to from recent experience. I’d definitely do a freeze. Also do one for Innovis (the fou...
- Tue Sep 15, 2020 11:06 am
- Forum: Personal Consumer Issues
- Topic: Web-Cam
- Replies: 18
- Views: 1238
Re: Web-Cam
Prices on webcams have gone up substantially due to pandemic-driven demand (many people working from home). Some camera makers have created drivers that turn non-webcams into web cams to help with the shortage. E.g. Wyze : https://www.theverge.com/2020/3/31/21202022/wyze-firmware-update-webcam-secu...
- Tue Sep 15, 2020 10:40 am
- Forum: Personal Consumer Issues
- Topic: Web-Cam
- Replies: 18
- Views: 1238
Re: Web-Cam
Prices on webcams have gone up substantially due to pandemic-driven demand (many people working from home). A basic Logitech webcam with a built-in mic is all you need, like the Logitech C310. The C310 is 720p HD, but even a VGA resolution webcam will be fine for your situation, if you can find one,...
- Tue Sep 15, 2020 10:16 am
- Forum: Personal Consumer Issues
- Topic: Google Voice - scheduled auto fwd to VM
- Replies: 15
- Views: 964
Re: Google Voice - scheduled auto fwd to VM
I’ve used GV since Google rolled it out and it’s been reliable.
- Mon Sep 14, 2020 12:58 pm
- Forum: Personal Investments
- Topic: How to handle spouse's unvested CalSTRS defined benefit account?
- Replies: 4
- Views: 263
Re: How to handle spouse's unvested CalSTRS defined benefit account?
I think you covered all the options. I’d go with leaving it at CalSTRS for a while and see if the option to rollover into a 401k/403b happens.
- Sun Sep 13, 2020 2:39 pm
- Forum: Personal Consumer Issues
- Topic: Best Streaming Service
- Replies: 24
- Views: 2316
Re: Best Streaming Service
Netflix has the deepest selection, if you want to pick one. More than enough content for our family, and our only service. However, there may be a specific series you may want, but can only get on other services. We just settle for what’s on Netflix (and sometimes what’s free on other Roku channels).
- Sat Sep 12, 2020 4:36 pm
- Forum: Personal Consumer Issues
- Topic: Visiting Oregon Coast
- Replies: 22
- Views: 3343
Re: Visiting Oregon Coast
10% of Oregon’s population is under fire evacuation right now, and the air quality is extremely poor. I’d stay away until this mess is over.
https://fire.airnow.gov/
https://fire.airnow.gov/
- Sat Sep 12, 2020 7:27 am
- Forum: Investing - Theory, News & General
- Topic: Reasons to invest internationally, or not.
- Replies: 191
- Views: 11433
Re: Reasons to invest internationally, or not.
Good articles that bring together the usual arguments on both sides, and maintains my cognitive dissonance on the foreign vs. domestic issue.



- Sat Sep 12, 2020 7:10 am
- Forum: Investing - Theory, News & General
- Topic: Reasons to invest internationally, or not.
- Replies: 191
- Views: 11433
Re: Reasons to invest internationally, or not.
Deleted (ladygeek fixed the links).