Search found 583 matches

by Turbo29
Sat Nov 09, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: FirstNet by AT&T
Replies: 14
Views: 1093

Re: FirstNet by AT&T

Verizon has always been known to penetrate buildings better. I'm not familiar with Verizon's bands, so not sure if AT&T's band 14 will penetrate better than Verizon's. Much of Verizon's network has has the 800Mhz band as this was the band used by the legacy carriers back in the AMPS days. In many m...
by Turbo29
Mon Oct 28, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: CapOne CD Rates HIGHER for 1 year VS. 5 year
Replies: 13
Views: 1266

Re: CapOne CD Rates HIGHER for 1 year VS. 5 year

One year treasuries are also higher five year at this moment.
by Turbo29
Mon Oct 28, 2019 11:01 am
Forum: Personal Investments
Topic: Purchase Fee on Vanguard Bond Fund
Replies: 11
Views: 1209

Re: Purchase Fee on Vanguard Bond Fund

You could buy the equivalent ETF, VCIT, and avoid the purchase fee.
by Turbo29
Sat Oct 12, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9491

Re: Do you carry your passport with you during international travel?

I carry my passport with me traveling in border states in this country because there are some rogue police in those places. I don't carry my passport with me during international travel. This sounds like an interesting story. I'd ask you to share details but can certainly respect your privacy. It's...
by Turbo29
Sat Oct 12, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Electric Car Charger - options/Amp settings?
Replies: 42
Views: 2691

Re: Electric Car Charger - options/Amp settings?

I would get the higher amperage. Who knows what type of technology may exist in the near future allowing more rapid charging, which would require more amperage.
by Turbo29
Fri Oct 11, 2019 9:49 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5226

Re: Anyone buying PG&E stock?

Seems to me that the company has a lot of very valuable assets throughout the state and we'll be relying more and more on electricity rather than hydrocarbon fuels for energy in the future. I don't think the state can function without PG&E. On the other hand, their value is partially dependent on C...
by Turbo29
Thu Oct 10, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: When to put on new roof?
Replies: 34
Views: 2815

Re: When to put on new roof?

[ I wonder how long its going to take insurance companies to wise up to this nonsense. They really should be prorating it based on how old the roof is and how many years it was expected to last. I just wonder how much money they've lost by paying full replacement minus deductible for hail damaged r...
by Turbo29
Thu Oct 10, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9491

Re: Do you carry your passport with you during international travel?

Some countries (Spain for one) require everyone to carry a national ID, and a U.S. state driver's license doesn't count. So probably good practice to always have your passport with you unless you know for sure it is not required. Yes, several years ago when I traveled to Spain I went to get some ca...
by Turbo29
Wed Oct 09, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9491

Re: Do you carry your passport with you during international travel?

Some countries (Spain for one) require everyone to carry a national ID, and a U.S. state driver's license doesn't count. So probably good practice to always have your passport with you unless you know for sure it is not required. Yes, several years ago when I traveled to Spain I went to get some ca...
by Turbo29
Sun Oct 06, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Social Security Card as Identification for Real ID
Replies: 78
Views: 6169

Re: Social Security Card as Identification for Real ID

[ Laminating SS card is against the law! The offenders should be punished severely! There is no excuse for such behavior, disregard for decency, the moral decay. Makes me feel terrible just to think about it :P :P :P :P There was no such restriction when I got mine 45 years ago. So I laminated it. ...
by Turbo29
Sun Oct 06, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Return of excess mortgage payment
Replies: 4
Views: 500

Re: Return of excess mortgage payment

When I refinanced I actually had a duplicate property tax payment, both the old and the new lenders paid the property taxes. About three weeks later I got a check in the mail from the County.
by Turbo29
Sun Oct 06, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: HELP! Parents have $0 for retirement - how can I keep them afloat??
Replies: 49
Views: 8486

Re: HELP! Parents have $0 for retirement - how can I keep them afloat??

Many states, mine included, have filial responsibility laws. I just Googled it, more than half of the states (28) have filial responsibility laws, NY is not one of them. https://en.m.wikipedia.org/wiki/Filial_responsibility_laws It seems that the line oft seen here on Bogleheads, "Your parents' fin...
by Turbo29
Sat Oct 05, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15869

Re: How many are switching from Fidelity?

I read that Schwab derives $100 million/qtr and E*trade $75million/qtr from trading fees. They are going to have to make up for this somehow.
by Turbo29
Sat Oct 05, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: Spike in Repo Rates [Fed Overnight Repurchase agreement]
Replies: 137
Views: 12751

Re: Spike in Repo Rates [Fed Overnight Repurchase agreement]

- According to what I read a few years ago, the dollar has lost about 95% of its value in the past 100 years. Something to think about, especially after you read the link in my above post about what happened in Zimbabwe ten years ago. But of course, that can never happen here. - "Something that can...
by Turbo29
Fri Oct 04, 2019 11:34 pm
Forum: Personal Consumer Issues
Topic: Mouse in the house
Replies: 46
Views: 4404

Re: Mouse in the house

Cat. But it should be female. Males might not catch This is rubbish. My 2 barn cats are both neutered males and will catch anything that moves. One specializes in snakes. I had a neutered male that specialized in scorpions. He must have been able to hear them move because he always zeroed in on the...
by Turbo29
Mon Sep 30, 2019 6:31 pm
Forum: Investing - Theory, News & General
Topic: Where do institutions that offer high-yields savings account invest
Replies: 9
Views: 696

Re: Where do institutions that offer high-yields savings account invest

It would seem to me that any bank that pays 2% on savings and also issues credit cards that charge 18%+ on outstanding balances is doing quite well on the spread.
by Turbo29
Tue Sep 17, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: "End of Life" Issues
Replies: 30
Views: 3260

Re: "End of Life" Issues

Interestingly, I came across this article just the other day:

Letting Go
What should medicine do when it can’t save your life?

https://www.newyorker.com/magazine/2010 ... tting-go-2
by Turbo29
Sun Sep 15, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: VG "You've successfully logged off"
Replies: 18
Views: 1841

Re: VG "You've successfully logged off"

I both clear the cache and close the browser after using any brokerage or banking site.
by Turbo29
Sun Sep 15, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Senior fell in major store
Replies: 25
Views: 3184

Re: Senior fell in major store

They will report it to their insurance company. However, just because you fell in their store doesn't automatically make them liable for it. Be assured that their insurance company or company risk management division will review it carefully, especially if you claim high bills and or damages. Most b...
by Turbo29
Sun Sep 15, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6569

Re: Do you trust Microsoft updating your Windows 7 machine?

I also think they have the ability to expedite this planned obsolescence in the background without consumer's knowledge, and for that reason I am suspicious of their updates. I for one am not planning to replace my machine with another Windows product anyway and likely I will opt for Google Chrome ...
by Turbo29
Sat Sep 14, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: social security benefit - confused about choosing start date
Replies: 35
Views: 3245

Re: social security benefit - confused about choosing start date

if his SS starts before his 1/9 birthdate each check will be a smaller amount for the rest of his life vs waiting until after his 1/9 birthdate to receive an ~8% appreciation in that check amount for the rest of his life. Isn't the benefit increase for taking SS after FRA calculated monthly, not ye...
by Turbo29
Mon Sep 09, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursement for a 6-month old fraudulent Visa charge
Replies: 19
Views: 1596

Re: Reimbursement for a 6-month old fraudulent Visa charge

One aspect of BofA cards I don't like is that they do not provide real time alerts as many of my other cards do. They only seem to alert me after a charge has gone from pending to settled, which means I have to reconcile what I was doing three days prior when I get an alert. I found this to be such...
by Turbo29
Mon Sep 09, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Anyone with any experience with Warby Parker eyeglasses?
Replies: 37
Views: 3629

Re: Anyone with any experience with Warby Parker eyeglasses?

Where do you go to get your new glasses heated up and adjusted to fit your head? Not the person you asked but when I got glasses from Zenni, I heated a cup of water to boiling in the microwave, dipped the ear portion of the frame into the water for a few moments, and then bent it the way I wanted i...
by Turbo29
Mon Sep 09, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Retirees: Ever feel really lazy?
Replies: 42
Views: 5451

Re: Retirees: Ever feel really lazy?

I have to stay busy. Of course I no longer have those 10 to 12 hour pressure packed days when I worked, but I have to be doing things I deem productive every day. This week has been hard on me because I am recovering from surgery and have to limit my activities. But I am doing what I can within the...
by Turbo29
Sun Sep 08, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3446

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

criticalmass wrote:
Sun Sep 08, 2019 11:35 am

Me too. I don’t mind at all, but a farad is a LOT of electrical charge. I wonder who’s working with a full farad of juice. I hope they have good protection.
I wonder what the size of the capacitors electric utilities use is. I assume they are >>1farad.
by Turbo29
Sun Sep 08, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Danger of mail order drugs, recent television report
Replies: 26
Views: 2743

Re: Danger of mail order drugs, recent television report

The keyword to mention is "adulterated" when you call for a replacement. If you say that it's been exposed to extreme heat/cold and you think it's now adulterated, most pharmacies will replace it free of charge. The FDA strictly prohibits them from dispensing an adulterated drug, and usually the FD...
by Turbo29
Sun Sep 08, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3446

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

s....who decided that a “farad” be such a ridiculously high value?) Farad: The SI unit of electric charge, equal to the quantity of electricity conveyed in one second by a current of one ampere. As you can see, it's derived from fundamental units. An ampere is not much (houses have 15 and 20 amp ci...
by Turbo29
Sun Sep 08, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3446

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

....who decided that a “farad” be such a ridiculously high value?) Farad: The SI unit of electric charge, equal to the quantity of electricity conveyed in one second by a current of one ampere. As you can see, it's derived from fundamental units. An ampere is not much (houses have 15 and 20 amp cir...
by Turbo29
Sat Sep 07, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Can you lose money by buying CDs?
Replies: 24
Views: 2585

Re: Can you lose money by buying CDs?

I'll add another question. I have 15K of brokered CD's in an IRA (they are just a small percentage of the IRA so there would be other sources to get the money for the RMD). Due to the decline of interest rates they are given an estimated value of 15.35K by the brokerage. For purposes of calculating ...
by Turbo29
Fri Sep 06, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dimishing value help!
Replies: 21
Views: 1293

Re: Dimishing value help!

Note that in my state, red light, green light, stop sign, no traffic control at all doesn't matter. (I posted earlier that I had heard this in a class but never looked it up before.) Here is what the Arizona Revised Statutes have to say: ARS § 28-772. The driver of a vehicle within an intersection i...
by Turbo29
Fri Sep 06, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dimishing value help!
Replies: 21
Views: 1293

Re: Dimishing value help!

I was told specifically at a driving class I had to take for my job that when you are making a left turn you must make sure that nobody else is going to enter the intersection before you turn. The fact that the light turned red does not allow you to go. You must wait until you are sure everyone is g...
by Turbo29
Fri Sep 06, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to title a car
Replies: 42
Views: 2763

Re: How to title a car

For liability reasons, titling in her name only is best. Some (most?) states hold the owner jointly liable with the driver: i.e. if she crashes and your name is on the title, both you and she are liable for all damages. I believe that this is mostly urban legend. Do you have a source? I do believe ...
by Turbo29
Fri Sep 06, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How to title a car
Replies: 42
Views: 2763

Re: How to title a car

My understanding is that while the child lives under your roof and a dependent (i.e. you provide more than 50% of their expenses), the liability rests with you regardless. Therefore, keeping the child on your policy, and having the car titled in your name, is the right approach. When the child goes...
by Turbo29
Fri Sep 06, 2019 8:50 am
Forum: Personal Investments
Topic: Employer requesting refund of HSA funds
Replies: 40
Views: 3200

Re: Employer requesting refund of HSA funds

My wife has contributed $3,430 this year to her employer HSA through payroll deduction, Don't know if this has anything to do with it but, when one contributes through payroll deduction they do not pay FICA on the amount contributed. If she has over contributed for the time on that job, the way the...
by Turbo29
Tue Sep 03, 2019 2:29 pm
Forum: Personal Investments
Topic: Treasuries maturing on weekend in brokerage account (E*trade)
Replies: 3
Views: 386

Re: Treasuries maturing on weekend in brokerage account (E*trade)

Thanks. I'll check mine tonight then. (Mine are in an IRA too.) So, it's really the treasury that gets the free ride on weekends and holidays. Except, as they are traded at market prices, I assume the fact that the maturity is on a non-business day and extends the actual time until payment is actual...
by Turbo29
Tue Sep 03, 2019 12:57 pm
Forum: Personal Investments
Topic: Treasuries maturing on weekend in brokerage account (E*trade)
Replies: 3
Views: 386

Treasuries maturing on weekend in brokerage account (E*trade)

I have 12K in treasuries in an IRA at E*trade that matured on 8/31 They sat 9/1 and 9/2 earning nothing. I tried to re-invest today but the $12K will not be credited to my account until the close of business today. That means the E*trade has the use of the money for 3 days (holiday weekend made it w...
by Turbo29
Tue Sep 03, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: Does having children hurt net worth?
Replies: 47
Views: 2090

Re: Does having children hurt net worth?

On a more "macro" view, though, low or very low numbers of young folks in the work force really is harmful to the financial stability of almost all tax supported things - such as Medicare, Social Security, other pension/retirement plans. I would take that further and say that no matter how much one...
by Turbo29
Tue Sep 03, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9836

Re: The cost to talk to a doctor

sawhorse wrote:
Fri Aug 30, 2019 4:23 pm

The ridiculous coding system is designed and owned by the American Medical Association, the largest organization of physicians.
The AMA is like a cartel. They tried to kill Kaiser over half a century ago because they saw it as a threat.
by Turbo29
Mon Sep 02, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: College age male: How much money for food?
Replies: 138
Views: 6293

Re: College age male: How much money for food?

This thread is insane. $400/month for one person?! I'm sorry, what? I'm currently feeding two adults and a toddler on $225/month. The objective is $1/meal/person. When I was a college-age male in the mid-2000s, my grocery budget was $35/month. Giant-size bags of knock-off brand Frosted Flakes and g...
by Turbo29
Mon Sep 02, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: How to clean baked on "carbon" from corners of old cookie sheets
Replies: 27
Views: 2239

Re: How to clean baked on "carbon" from corners of old cookie sheets

I will tell you one thing, commercial bakeries don't bother to clean it off.
by Turbo29
Sat Aug 31, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cash & Checkbook Register Reconciliation
Replies: 73
Views: 4610

Re: Cash & Checkbook Register Reconciliation

I only write a few checks per year. I write them down in the register but I never reconcile it.

In the pre-online era, I used to reconcile it religiously as soon as the statement showed up in the mail.
by Turbo29
Sat Aug 31, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: I have 8 checking accounts?????
Replies: 32
Views: 4456

Re: I have 8 checking accounts?????

The basic Chase accounts don't make for great backup checking, to avoid fees you either need direct deposit, $1500 sitting in the account doing nothing, or a ton of other assets with the bank. A backup checking should be low or no minimum, and maybe have a local branch or two. I got around that by ...
by Turbo29
Sat Aug 31, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6524

Re: What, besides dishes, do you run through your dishwasher?

adamthesmythe wrote:
Fri Aug 30, 2019 10:10 am
buylowbuyhigh wrote:
Fri Aug 30, 2019 9:07 am
You can also cook food in a dishwasher.
I saw a TV show where they cooked salmon in the dishwasher.
Vincent price did it years ago on Johnny Carson.

https://www.youtube.com/watch?v=xtxOdDsWwS8
by Turbo29
Sat Aug 31, 2019 12:22 pm
Forum: Personal Investments
Topic: $1,000 a month or $180,000 Pension Question
Replies: 55
Views: 5864

Re: $1,000 a month or $180,000 Pension Question

For public pensions, one can search for the details of the City of Detroit pension cuts as an example. It varies by location as others have pointed out. There is also demographics to consider. If one is a member of a 70% funded state system in one of the fastest growing states as I am it is differe...
by Turbo29
Tue Aug 27, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4301

Re: Credit Card Billing Dispute/High Spender/WWYD

I guess I’m not clear on why a bank should pay you back for your decision to prepay with a company that went bankrupt? Seems like this was your decision and your risk calculation. We think of this with every custom furniture and other purchases with significant lead time. Because the FCBA requires ...
by Turbo29
Mon Aug 26, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: out of network emergency visits. Huge bill!!!
Replies: 156
Views: 13816

Re: out of network emergency visits. Huge bill!!!

Because you have no choice of providers once you are in the ER, you have the moral high ground... Moral high ground? The provider has no choice of only seeing patients on their plan. It's hardly moral to ask someone to work for rates that don't even cover their costs. Coming to the ER with crummy i...
by Turbo29
Mon Aug 26, 2019 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Billing Dispute/High Spender/WWYD - RESOLVED
Replies: 36
Views: 4301

Re: Credit Card Billing Dispute/High Spender/WWYD

I paid in advance for internet service from a company several years ago. Less than a month later I had extreme difficulty accessing the service and at the same time the local news station ran a story about how other customers were having trouble and that the owner of the company had been previously....
by Turbo29
Mon Aug 26, 2019 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast Grievance - How to get their attention?!
Replies: 43
Views: 3304

Re: Comcast Grievance - How to get their attention?!

Sue them in small claims court for the value (pro-rated from the monthly rate) of the cumulative outage time?
by Turbo29
Sun Aug 25, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 151
Views: 9836

Re: The cost to talk to a doctor

My experience with the on-call nurse line from an insurance plan was that I was always directed to see a doctor -- quickly -- but maybe that is just because I only called with worrisome symptoms (face getting numb hours after a fall, facial paralysis, among other incidents). When I got stung by a s...
by Turbo29
Tue Aug 13, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs. Medical plan
Replies: 8
Views: 663

Re: HSA vs. Medical plan

krafty81 wrote:
Tue Aug 13, 2019 4:34 pm
Daughter has new job here in CA. I do not know much about Health Savings Accounts vs. normal medical plans with deductibles. Any thoughts here? Thanks.
I don't live there but I have seen it mentioned that HSA's are not recognized so far as California income tax goes.