Search found 301 matches

by blackwhisker
Sat May 23, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9600

Re: Personal spending out of control after Covid-19

Staying home with little kids 24X7 can be exhausting and isolating. I feel your pain! I find it's easier to maintain good health habits when I can carve out some time for myself to exercise, talk to friends and re-charge. (Of course, it is easier said than done.) It is a difficult time for many of u...
by blackwhisker
Mon May 11, 2020 12:04 am
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2586

Re: Hospice care - room and board

So sorry for your loss Dottie. Take good care of yourself.
by blackwhisker
Mon Apr 20, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: How to report hotmail security issue
Replies: 8
Views: 602

Re: How to report hotmail security issue

If you click on your picture in the top right of the hotmail window, then My Account, you will get a screen with many categories, one of which is Devices. Click on all devices and you can manage things like your account on your iPad. Thanks for the reply. I looked at "Devices" under "My account". I...
by blackwhisker
Mon Apr 20, 2020 10:28 pm
Forum: Personal Consumer Issues
Topic: How to report hotmail security issue
Replies: 8
Views: 602

Re: How to report hotmail security issue

In addition to apparently poor security, your hotmail email address may be costing you extra money on your car insurance premiums as well: www.express.co.uk/life-style/cars/910479/car-insurance-email-address-gmail-hotmail Maybe it’s time to switch to gmail? Thanks for the interesting article. Yes I...
by blackwhisker
Mon Apr 20, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: How to report hotmail security issue
Replies: 8
Views: 602

Re: How to report hotmail security issue

In addition to apparently poor security, your hotmail email address may be costing you extra money on your car insurance premiums as well: www.express.co.uk/life-style/cars/910479/car-insurance-email-address-gmail-hotmail Maybe it’s time to switch to gmail? Thanks for the interesting article. Yes I...
by blackwhisker
Mon Apr 20, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: How to report hotmail security issue
Replies: 8
Views: 602

How to report hotmail security issue

I changed my hotmail account password from my PC. I was logged into my hotmail on my ipad before I changed my password. I thought my ipad would ask me for the new password after I changed it from the PC. Surprisingly, I was still able to receive new emails and send out emails from my ipad without ha...
by blackwhisker
Wed Apr 15, 2020 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: direct deposit account changed, how to get stimulus money
Replies: 4
Views: 527

Re: direct deposit account changed, how to get stimulus money

mhalley wrote:
Wed Apr 15, 2020 6:22 pm
I would give it a few days for the payment to be bounced or invalid. Maybe check with the bank to see if the account still exists.
Thank you for the reply mhalley.
by blackwhisker
Wed Apr 15, 2020 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: direct deposit account changed, how to get stimulus money
Replies: 4
Views: 527

direct deposit account changed, how to get stimulus money

The last tax return I filed was for 2018. My direct deposit account changed since then. I just used the "Get my payment" application on IRS web site. It said the stimulus money was deposited into my old account today. I don't think it will go through. How do I update my direct deposit information wi...
by blackwhisker
Tue Apr 07, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Form 4868 for tax return extension to Oct. 15 2020
Replies: 4
Views: 166

Re: Form 4868 for tax return extension to Oct. 15 2020

livesoft wrote:
Tue Apr 07, 2020 1:08 pm
It is straightforward to File 4868 online directly with the iRS. I think tax-prep software might charge a fee, but the IRS does not. If you have to pay, then it is trivial, as in t.r.i.v.i.a.l., to pay as well from your checking account online.
Thanks livesoft.
by blackwhisker
Tue Apr 07, 2020 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Form 4868 for tax return extension to Oct. 15 2020
Replies: 4
Views: 166

Re: Form 4868 for tax return extension to Oct. 15 2020

The date is July 15 for filing the extension request. You can also do a Direct Pay on the IRS site. You also have time to set up an account with the IRS EFTPS system. When you make a payment for extension with EFTPS it is the same as filing the form. I believe that the same is true with Direct Pay ...
by blackwhisker
Tue Apr 07, 2020 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Form 4868 for tax return extension to Oct. 15 2020
Replies: 4
Views: 166

Form 4868 for tax return extension to Oct. 15 2020

I need to request an extension for tax return until October 15 2020. -Is the deadline for form 4868 July 15, 2020 (instead of April 15, 2020)? Just want to make sure. -I usually file my tax returns using TurboTax. Is it straight-forward to use TurboTax to file form 4868? -Alternatively, if I decide ...
by blackwhisker
Mon Apr 06, 2020 12:55 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72472

Re: I have COVID-19. Some thoughts.

Thank you for sharing your experience. Wish you and your family good health!
by blackwhisker
Tue Mar 17, 2020 6:22 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1812

Re: Is VMFXX safer than VMMXX

Thank you everyone for the helpful replies!
by blackwhisker
Tue Mar 17, 2020 5:30 pm
Forum: Personal Investments
Topic: Where to park cash if there is high inflation
Replies: 6
Views: 398

Re: Where to park cash if there is high inflation

dbr wrote:
Tue Mar 17, 2020 5:19 pm
Note that all Treasuries are state tax exempt and that earnings on I bonds can be deferred. Unfortunately there is an annual purchase limit on I bonds so that might not offer much.
Thanks dbr! That's helpful to know.
by blackwhisker
Tue Mar 17, 2020 5:28 pm
Forum: Personal Investments
Topic: Where to park cash if there is high inflation
Replies: 6
Views: 398

Re: Where to park cash if there is high inflation

One problem with TIPS is that you are taxed on the inflation adjustment each year so they are usually best in a tax advantaged account like an IRA. You really need to understand how this works if you are thinking of buying them in a taxable account since it is often recommended not to own them in t...
by blackwhisker
Tue Mar 17, 2020 5:19 pm
Forum: Personal Investments
Topic: Where to park cash if there is high inflation
Replies: 6
Views: 398

Re: Where to park cash if there is high inflation

The only cash like investment that is inflation indexed is I bonds from Treasury Direct. TIPS are bonds with terms from five to thirty years. You can buy TIPS at Treasury Direct, on the secondary market, or as a mutual fund or ETF. TIPS are not a place to park cash, though a short term TIPS fund mi...
by blackwhisker
Tue Mar 17, 2020 4:48 pm
Forum: Personal Investments
Topic: Where to park cash if there is high inflation
Replies: 6
Views: 398

Where to park cash if there is high inflation

What are the safe places to park cash if there is high inflation? I have heard of Treasury Inflation-Protected Securities (TIPS). Would that be a good option? If so, how do I buy TIPS? Do I buy it from the treasurydirect.gov web site directly? or can I buy from vanguard/fidelity? Are there other goo...
by blackwhisker
Sun Mar 15, 2020 10:14 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1812

Re: Is VMFXX safer than VMMXX

The VMFXX fund is likely safer than VMMXX since it is comprised of US Government securities. The yield is also slightly lower on VMFXX, so the safety has a small price. Regards, Even safer is VUSXX. Thank you palanzo! Do you know if money in VUSXX can be used directly to buy ETFs or stocks? Or woul...
by blackwhisker
Sun Mar 15, 2020 10:10 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1812

Re: Is VMFXX safer than VMMXX

The VMFXX fund is likely safer than VMMXX since it is comprised of US Government securities. The yield is also slightly lower on VMFXX, so the safety has a small price. Regards, Even safer is VUSXX. Unfortunately, VUSXX has a $50,000 minimum. That rules it out for many investors who would never hav...
by blackwhisker
Sun Mar 15, 2020 9:10 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1812

Re: Is VMFXX safer than VMMXX

retired@50 wrote:
Sun Mar 15, 2020 7:28 pm
The VMFXX fund is likely safer than VMMXX since it is comprised of US Government securities. The yield is also slightly lower on VMFXX, so the safety has a small price.

Regards,
Thank you retired@50.
by blackwhisker
Sun Mar 15, 2020 7:25 pm
Forum: Personal Investments
Topic: Is VMFXX safer than VMMXX
Replies: 23
Views: 1812

Is VMFXX safer than VMMXX

I have money market funds in both Vanguard and Fidelity.

In uncertain economic times like right now, is VMFXX a safer fund than VMMXX? or is there another safer place to park cash in Vanguard or Fidelity?

Using the same logic, is FDRXX safer than FZDXX?

Thank you.
by blackwhisker
Sat Mar 14, 2020 1:47 pm
Forum: Investing - Theory, News & General
Topic: why Fidelity brokageLink sold 0.1 share of my mutual fund for me
Replies: 8
Views: 621

Re: why Fidelity brokageLink sold 0.1 share of my mutual fund for me

They usually sell my total market fund from my brokerage link to cover fees even though I have other holdings. Then the money gets transferred to the 401k account with my employer. For some reason, there’s always some dollars left over after the transfer and payed fees? Anyone know why? Thanks for ...
by blackwhisker
Sat Mar 14, 2020 12:05 pm
Forum: Investing - Theory, News & General
Topic: why Fidelity brokageLink sold 0.1 share of my mutual fund for me
Replies: 8
Views: 621

Re: why Fidelity brokageLink sold 0.1 share of my mutual fund for me

jpmorganfunds wrote:
Sat Mar 14, 2020 12:55 am
Fees are taken from the same account.
Thanks for the reply. I am hoping it is the fee they took. But I don't understand why they didn't take the fee from my money market fund in the same account...
by blackwhisker
Sat Mar 14, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: why Fidelity brokageLink sold 0.1 share of my mutual fund for me
Replies: 8
Views: 621

Re: why Fidelity brokageLink sold 0.1 share of my mutual fund for me

I think normally the fee is taken pro-rata from all the funds you have in your regular 401k. Is this fund in the 401k or in the brokerage link? Is the brokerage link at Fidelity and the 401k somewhere else or are both at Fidelity. I have a brokerage link at Schwab and a 401k at a 401k provider not ...
by blackwhisker
Fri Mar 13, 2020 8:16 pm
Forum: Investing - Theory, News & General
Topic: why Fidelity brokageLink sold 0.1 share of my mutual fund for me
Replies: 8
Views: 621

why Fidelity brokageLink sold 0.1 share of my mutual fund for me

I was not able to reach Fidelity by phone earlier today. When I finally reached them, they said they couldn't answer my question because BrokageLink department was closed till Monday. Here is my question: I have an 401k plan with a former employer. I received a confirmation today that 0.1 share of a...
by blackwhisker
Wed Mar 04, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2783

Re: new VG dashboard [New Vanguard home page]

LadyGeek wrote:
Tue Mar 03, 2020 4:35 pm
I merged blackwhisker's thread into the on-going discussion.
Thanks LadyGeek.
by blackwhisker
Tue Mar 03, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2783

Re: Vanguard Account Overview Page

Jeff Albertson wrote:
Tue Mar 03, 2020 2:41 pm
see here: viewtopic.php?p=5052869#p5052869
Thanks Jeff!
by blackwhisker
Tue Mar 03, 2020 2:31 pm
Forum: Investing - Theory, News & General
Topic: new VG dashboard [New Vanguard home page]
Replies: 47
Views: 2783

Vanguard Account Overview Page

[Thread merged into here, see below. --admin LadyGeek] The Vanguard Account Overview page looks different in my account this week. I used to see "Total Asset" in a big font in the top middle part of the screen. Now "total asset" is buried towards the bottom of my screen in small font. Anyone else e...
by blackwhisker
Thu Feb 27, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Three-hour delay in Fidelity price trigger alert email
Replies: 1
Views: 252

Three-hour delay in Fidelity price trigger alert email

I use Fidelity price trigger alert to email me when a stock/mutual fund rises above or drops below a certain price. I noticed this morning that the email alert was only sent to me 3 hours after the price change is triggered. Can anyone recommend an alternative for price trigger alter email/notificat...
by blackwhisker
Wed Feb 12, 2020 12:19 am
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

Perhaps, giving him a "formula" for his writing would be helpful. It is terribly difficult to fill a blank page with words, without some guidance, especially as an inexperienced writer. https://www.bucks.edu/media/bcccmedialibrary/pdf/FiveParagraphEssayOutlineJuly08_000.pdf https://www.jscc.edu/aca...
by blackwhisker
Wed Feb 12, 2020 12:10 am
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

TxAg wrote:
Tue Feb 11, 2020 10:27 pm
My mom always made us read something and write a 1 page book report on it

Sometimes it was a book. Sometimes it was a nat geo magazine. Sometimes it was...you get the idea.

We did it every week day during the summer until 8th grad or so
Thanks TxAg. Wow your mom sounds great.
by blackwhisker
Wed Feb 12, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

SueG5123 wrote:
Tue Feb 11, 2020 10:25 pm
Your idea about encouraging reading as a conduit to better writing is absolutely on the mark. Reading and writing are not two different skill sets — good writers are always good readers.
Thank you SueG5123!
by blackwhisker
Wed Feb 12, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

Or....have him do some writing for you and about every four entries have him pick the one he wants to share with you. That way he may actually enjoy writing and write better because you are not reading/critiquing every entry. Also, what about getting him a notebook and letting him buy some stickers...
by blackwhisker
Tue Feb 11, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Re: Help Middle Schooler Improve Writing Skills

Are your writing skills good? If yes, have him write short pieces about his day, his friends, his activities, etc. Mark them up and discuss why you made the changes you did. You can start with simple grammatical edits but eventually work up to teaching about composition, how to convey a main idea a...
by blackwhisker
Tue Feb 11, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: Help Middle Schooler Improve Writing Skills
Replies: 17
Views: 1064

Help Middle Schooler Improve Writing Skills

I am looking for suggestions to help my middle schooler improve his writing skills. I am not sure where to start. -Should I just tell him to read as much as as possible? If so, what kind of books are more helpful to improve one's writing skills? -Are there good workbooks out there? I am not even sur...
by blackwhisker
Mon Feb 10, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1400

Re: Troubleshoot brown tap water (cold water only)

Thank you everyone for taking the time to reply! I appreciate all the helpful information.
by blackwhisker
Mon Feb 10, 2020 4:37 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1400

Re: Troubleshoot brown tap water (cold water only)

I had brown water coming out of my kitchen faucet today. It was only brown when it was cold water. The hot water seemed to be fine. Does it rule out the possibility that my water heater is the problem? The brown water seemed to go away after I left the cold water on for 1-2 minutes. I asked a neigh...
by blackwhisker
Sat Feb 08, 2020 11:38 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1400

Re: Troubleshoot brown tap water (cold water only)

Cubicle wrote:
Sat Feb 08, 2020 10:38 pm
Sounds like this was the first time it happened. I wouldn't worry unless it was happening for 2-3 business days more.
Yes it was the first time. Thanks Cubicle.
by blackwhisker
Sat Feb 08, 2020 11:37 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1400

Re: Troubleshoot brown tap water (cold water only)

How long since the last time the water was used before it came out brown? I have a similar effect if I'm away for a couple days or more. I think mine comes from rusting of a galvanized pipe nipple used to connect a polyethylene supply line to the house copper. Some jackleg plumber installed it seve...
by blackwhisker
Sat Feb 08, 2020 11:35 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1400

Re: Troubleshoot brown tap water (cold water only)

Municipal water? I wouldn't worry if it was a one time thing. Sometimes there's a disturbance in the lines that stirs up sediment and water will be brown for a short period. If it had even entered your hot water tank, it might have settled out already. We get that a couple times a year when there's...
by blackwhisker
Sat Feb 08, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Troubleshoot brown tap water (cold water only)
Replies: 20
Views: 1400

Troubleshoot brown tap water (cold water only)

I had brown water coming out of my kitchen faucet today. It was only brown when it was cold water. The hot water seemed to be fine. Does it rule out the possibility that my water heater is the problem? The brown water seemed to go away after I left the cold water on for 1-2 minutes. I asked a neighb...
by blackwhisker
Wed Feb 05, 2020 1:44 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3949
Views: 296835

Re: Corona virus and the market

Markets are quite random day to day. I wouldn't try to fit in much 'rational' thoughts to prices. 'Irrational exuberance' and all are a thing in the short term (look at stocks like Beyond Meat, etc. just last year and the bitcoin hype a year before). Also, both China and the US dumped in quite a lo...
by blackwhisker
Wed Jan 22, 2020 11:24 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26572

Re: Sad news: LadyGeek's husband has passed

Sorry for your loss. Thank you for all you do.
by blackwhisker
Wed Jan 22, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Book/Resources about Career Planning for Teens
Replies: 6
Views: 282

Re: Book/Resources about Career Planning for Teens

oldfatguy wrote:
Wed Jan 22, 2020 8:16 pm
The Occupational Outlook Handbook is a good overview of most fields of work in the US: https://www.bls.gov/ooh/
This is helpful! Thank you oldfatguy!
by blackwhisker
Wed Jan 22, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Book/Resources about Career Planning for Teens
Replies: 6
Views: 282

Re: Book/Resources about Career Planning for Teens

KlangFool wrote:
Wed Jan 22, 2020 8:06 pm
OP,

1) Ask your kid to start talking with working adults about their works. If possible, whether he could visit them at work. It is a good way to learn about work and networking.

2) Start working. get a summer job.

KlangFool
Thank you for the great suggestions KlangFool!
by blackwhisker
Wed Jan 22, 2020 11:04 pm
Forum: Personal Consumer Issues
Topic: Book/Resources about Career Planning for Teens
Replies: 6
Views: 282

Re: Book/Resources about Career Planning for Teens

averagedude wrote:
Wed Jan 22, 2020 8:03 pm
Never read the book, but have heard good things about it for a long time. It is called "What Color is Your Parachute". I believe they have a teen version of this book.
Thank you averagedue! We will get it from the library.
by blackwhisker
Wed Jan 22, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Book/Resources about Career Planning for Teens
Replies: 6
Views: 282

Book/Resources about Career Planning for Teens

My middle-school-aged kid is interested in learning about what different career paths are out there. He would like to have an idea about what is like to work those different jobs and how to get there.

Can anyone recommend books or other resources?

Thanks!
by blackwhisker
Fri Jan 17, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: AAU basketball, college scholarships and career options/choices
Replies: 59
Views: 2572

Re: AAU basketball, college scholarships and career options/choices

I have a middle school kid who loves playing basketball. What is there to discuss beyond this? Spend your money and time on it because your kid loves it. Simple as that. Your kid will only be young once. They will make great friends and learn life lessons. Chances are your kid won't get a scholarsh...
by blackwhisker
Fri Jan 17, 2020 12:56 am
Forum: Personal Consumer Issues
Topic: AAU basketball, college scholarships and career options/choices
Replies: 59
Views: 2572

Re: AAU basketball, college scholarships and career options/choices

Personally, we never evaluated it on a cost of activity versus potential return from a scholarship… fortunately, cost was not an issue, and the potential of a scholarship is way too difficult to estimate with any reasonable certainty (it wasn’t noted much above as far as I could tell, but don’t for...