Search found 46 matches

by Jyb33
Sun Oct 06, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Fidelity 2FA with google voice not working
Replies: 15
Views: 1578

Re: Fidelity 2FA with google voice not working

not fidelity specifically, but I've experienced that sometimes text messages are delayed. Do they have a call option? Or an email option? I've always just selected another method when the text isn't received within a minute, and never had a problem. Yes...... With many different financial companies...
by Jyb33
Wed Oct 02, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: After temporarily unfreezing your credit report, how fast did you apply for a card......
Replies: 14
Views: 1578

Re: After temporarily unfreezing your credit report, how fast did you apply for a card......

. [/quote] I'm very interested in why someone would be excited at all about applying for a credit card. It's like being excited to buy new socks. It's necessary and useful but certainly nothing to be excited about. [/quote] Hmmm...good question...I'll have to think about. Maybe....$500 signup bonuse...
by Jyb33
Wed Oct 02, 2019 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1444

Re: strange question about calling around for car insurance quotes

That sounds a bit squirrely. Why not "fess up about the tickets to get an accurate quote (and not get labeled as "iffy"?), and THEN ask, Okay, what would it have been *now* without the tickets?" Or the same "... in 3 years?" RM .. Sounds like a compliment...I like squirrels! But first... a bit off-...
by Jyb33
Wed Oct 02, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1444

Re: strange question about calling around for car insurance quotes

But one thing is certain: The price of my current ins. at renewal is astronomical (with no tickets).....and noone here would pay that amount without shopping around right now......So the guys who wrote "just wait until your 3 years is up and then shop around" are forgetting that. I don't think that...
by Jyb33
Wed Oct 02, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1444

Re: strange question about calling around for car insurance quotes

That sounds a bit squirrely. Why not "fess up about the tickets to get an accurate quote (and not get labeled as "iffy"?), and THEN ask, Okay, what would it have been *now* without the tickets?" Or the same "... in 3 years?" RM .. Sounds like a compliment...I like squirrels! But first... a bit off-...
by Jyb33
Tue Oct 01, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1444

Re: Question about calling around for car insurance quotes

Doing this results in quotes that are of no value. If I call and say I'm a 40 year old married female with a PhD residing in Sandisfield, MA with a perfect driving record, but in fact, I'm a 20 year old unmarried male living in South Worcester, MA with 2 DUIs, one reckless driving and 2 drag racing...
by Jyb33
Tue Oct 01, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1444

Question about calling around for car insurance quotes

First, to summarize my basic question: Would there be any problem with calling around (ins. companies, that is) for initial quotes...with no intention of applying at this point.....but then (a few weeks later) calling back some of the companies that I've narrowed down, and getting a new quote with s...
by Jyb33
Tue Oct 01, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

Hmmm...I don't understand what you mean...How would you know if a .... warning is erroneous or not.....I guess you took the batteries out and tested them..... never got a low warning message ever. Well, expanding upon this logic structure: No battery warning......therefore.....no erroneous battery ...
by Jyb33
Tue Oct 01, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

02nz wrote:
Mon Sep 30, 2019 8:17 pm
If your mouse is Logitech, download the Setpoint software and it will give you a battery level readout.
I'll do that...thanks
by Jyb33
Tue Oct 01, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

When the batteries n my blood pressure cuff died, I replaced with rechargeables. Immediately my reading skyrocketed, I switched them for "use and dispose" ad things returned to normal. They were not enloops if that matters. Your BP went up at that exact time because you were so excited to try these...
by Jyb33
Tue Oct 01, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: After temporarily unfreezing your credit report, how fast did you apply for a card......
Replies: 14
Views: 1578

Re: After temporarily unfreezing your credit report, how fast did you apply for a card......

I did this just yesterday. Unfroze all three agencies and applied for the Fido 2% Visa card. Received immediate approval. The whole process took only a few minutes with no problems. This was the first time I have unfrozen credit reports since freezing over two years ago. I was half expecting a snaf...
by Jyb33
Mon Sep 30, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: After temporarily unfreezing your credit report, how fast did you apply for a card......
Replies: 14
Views: 1578

Re: After temporarily unfreezing your credit report, how fast did you apply for a card......

I am SO GLAD I didn't have to deal with that disgusting company EQUIFAX. I just "know" that they will totally screw up (refuse) to unfreeze my file....although I haven't tried yet....But based on the horrible experiences I've had with them over years (consistent with everything written on this forum...
by Jyb33
Mon Sep 30, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: After temporarily unfreezing your credit report, how fast did you apply for a card......
Replies: 14
Views: 1578

After temporarily unfreezing your credit report, how fast did you apply for a card......

Has anyone been so eager to apply for a particular credit card that they unfroze some of their credit reports (via automated phone call or on their website)....and then, WITHIN AN HOUR, tapped the "apply" button on the credit card application website? That's what I did.......I was too impatient........
by Jyb33
Mon Sep 30, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

My BP monitor is a vintage* Omron full arm-cuff one and has not given erroneously low battery warnings. I lost the AC adaptor many many years ago and have only used AA batteries since, well, a long time. *About $30 at Walmart at the time. It was purchased for my son's 7th-grade science fair project...
by Jyb33
Mon Sep 30, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

Maybe this belongs in a chemistry forum, but..here goes...... I just got a low-battery warning on my BP monitor (which makes it stop working), so I"m going to replace all 4 AA batteries. When devices use and run-down several batteries, are they all pretty much run-down by the same amount? And this ...
by Jyb33
Mon Sep 30, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

By any chance is this an Omron full arm-cuff monitor? Because I'm on my second one, and I gotta say that both of them were extremely prone to giving "low battery" warnings and I don't know what's going on. Perhaps there's just something flaky in their design, or perhaps they have just designed some...
by Jyb33
Sun Sep 29, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

Re: AA batteries (in a blood pressure monitor for example)

I already bought cheap batteries at Walmart before posting today ( "RayOvac".....8 pack for around $5 or $6).....maybe I'll try eneloops next year..... p.s. When I mentioned chemistry, i was thinking about whether all 4 batteries are worn down at the same rate..... I sometimes wonder whether you rea...
by Jyb33
Sun Sep 29, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2570

AA batteries (in a blood pressure monitor for example)

Maybe this belongs in a chemistry forum, but..here goes...... I just got a low-battery warning on my BP monitor (which makes it stop working), so I"m going to replace all 4 AA batteries. When devices use and run-down several batteries, are they all pretty much run-down by the same amount? And this l...
by Jyb33
Sun Sep 29, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Credit Card Search - 2 Front Runners?
Replies: 46
Views: 5169

Re: New Credit Card Search - 2 Front Runners?

Wow......is this the link? https://www.barclaycardus.com/apply/Landing.action?campaignId=2630&cellNumber=7 I spent several hours this week trying to find some way to apply other than via the uber app. I was convinced there was no other way, based on everything I read. After seeing your post, I searc...
by Jyb33
Tue Aug 27, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5814

Re: American Express continues to ask for my income

Here's what you wrote: .."click here to update your income and financial asset information"
by Jyb33
Tue Aug 27, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: American Express continues to ask for my income
Replies: 68
Views: 5814

Re: American Express continues to ask for my income

Its amazing that everyone (including the orig.poster) is ignoring the fact that AMEX is asking not only for income, but also ASSETS. Yes, amex wants BOTH of those. Would all those writers here, or are saying "why not provide income..big deal.etc.etc" also say the same thing about ASSETS? P.S. The or...
by Jyb33
Fri Jul 19, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 50
Views: 4917

Re: Win 10 image backup software?

The "old" windows7 image backup program works well in windows10 (yes, it's still there),
at least with all of my pc's...so i never bothered with macrium or the other ones...
by Jyb33
Fri Jul 19, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: Safe Deposit Boxes Aren't Safe
Replies: 96
Views: 9212

Re: NYT Article: Safe Deposit Boxes Aren't Safe

I notice that noone here has coomented that the concept of "risk" (or failure rate in biostatistics, and related fields......and engineering....and in this specific case, risk or probability of "losing" something from a box......) is meaningless without introducing the a TIME dimension.. (unless eve...
by Jyb33
Sat Jul 13, 2019 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare did not approve the charge
Replies: 31
Views: 1996

Re: Medicare did not approve the charge

Do me (and you) a favor: Ask Medicare how you can be responsible (i.e., billed for) for a non-covered (rejected) procedure, if you did not receive or sign an ABN form. (Also....see the recent thread entitled "Medicare Summary Notice......")
by Jyb33
Wed Jul 10, 2019 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Summary Notice for Part B
Replies: 11
Views: 1754

Re: Medicare Summary Notice for Part B

The whole ABN thing is a mystery to me, anyway. If a Medicare beneficiary is asked to sign one, and refuses, I imagine the doc/clinic/whatever/provider could decline to proceed with whatever the treatment is. Right? (Unless, of course, it was an emergency situation/life or death/ in which first res...
by Jyb33
Wed Jul 10, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Summary Notice for Part B
Replies: 11
Views: 1754

Re: Medicare Summary Notice for Part B

But...just so you know IN GENERAL.....supposedly: you cannot be billed (or you don't have to pay) for a "rejected/denied.." (or whatever its called) procedure/treatment/etc.. (regardless of the mysterious reason for non-coverage) if you didn't receive or sign (in the relevant box) an ABN. I couldn't...
by Jyb33
Mon Jul 08, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Summary Notice for Part B
Replies: 11
Views: 1754

Re: Medicare Summary Notice for Part B

I assume you're familiar with ABN issues.......but...it does sound like the kind of result you'd get if you did not receive or sign one.....?? (I'm referring only to the billing issue ....i.e., that you're "not responsible" for the "non-covered service"......)...(but I can't comment at all on the co...
by Jyb33
Thu Jun 20, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 4007

Re: Extend MacBook Battery Life by plugging in as much as possible?

I'll summarize what I've concluded from all the reading I've done over the past 10 years (on and off...not continuously). But first, here's an interesting thing, about how I buy laptops. Because I hate having to always think about what to do about my batteries (to keep them healthy), I ALWAYS buy la...
by Jyb33
Mon Jun 17, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

And the dollar amounts that ended up with Fidelity did not reflect a $25 deduction for the fee? >I think I'm just going to do a direct transfer Do you mean that you are still sending the money to your CMA or an HSA account linked to your CMA, essentially 2 accounts? I setup an HSA at FID then chose ...
by Jyb33
Mon Jun 17, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

you're right But....why is Fidelity (online, after creating the HSA) requiring me to print and mail in the pre-filled online TOA form? Most people here say they did EVERYTHING online (most respondents above didn't mention MAILING at all ) More specifically, Fid's online system filled out a TOA based...
by Jyb33
Mon Jun 17, 2019 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

The only advantage I know of at this point is to save $25 closing fee.
standard7 wrote:
Mon Jun 17, 2019 6:22 am
I’m lost... I must have missed something. I don’t understand the need for the rollover in this situation or anything other than the HSA to HSA transfer which seemed to avoid all of the problems.
by Jyb33
Mon Jun 17, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

I was only focusing on a possible issue with "the first $2500".....and didn't see any mention of that dollar amount, in a quick search of the IRS pubs...... But..it turns out, I'm realizing, the issue they were debating is not really about any particular dollar amount....and it has to do with broade...
by Jyb33
Mon Jun 17, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

Thanks for the warning (which I think you also mentioned earlier) about "the first $2500".........and I just saw that thread. But I don't see where "spirit rider" got his info. from, and I don't see anyone else confirming it . He may be right, but I looked through some of the IRS pubs. cited in that...
by Jyb33
Mon Jun 17, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

But....why is Fidelity (online, after creating the HSA) requiring me to print and mail in the pre-filled online TOA form? Most people here say they did EVERYTHING online (most respondents above didn't mention MAILING at all ) More specifically, Fid's online system filled out a TOA based on all the i...
by Jyb33
Sun Jun 16, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

Thanks.............I think I'm just going to do a direct transfer (not rollover) even though they WILL charge a closing fee, mainly because of the $2500 daily transfer limit to get $ into my FID.CMA account (as the CAS person noted above), so I'd have to login to hsabank everyday for 3 days and tran...
by Jyb33
Fri Jun 14, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

It looks like HSAbank doesn't even allow transferring "non-medical-expense" money to my Fid.CMA account. I was thinkng of moving all of the money there (to close the account), and then either go into a Fid. office and fill out the forms to create a Fid.HSA (and fund it with the new money in fid.cma)...
by Jyb33
Fri Jun 14, 2019 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

Thanks for the info everyone.... I'll have to decide if it's even worth moving such a small amount (under $6000) to a Fid. hsa, as opposed to just withdrawing all of it from hsabank and closing it....and just paying the tax (ord. income, since I'm old enough), since I don't have much use for an hsa ...
by Jyb33
Wed Jun 12, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Re: Hsabank to fidelity-HSA

Does anyone know whether my very simple procedure would work (ummm, I mean work CORRECTLY)? No one has ever mentioned doing it that way (in the past few years of threads I read before posting today, as I said). And no one in this thread referred to what I hoped to do (other than the second responden...
by Jyb33
Wed Jun 12, 2019 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Hsabank to fidelity-HSA
Replies: 29
Views: 2284

Hsabank to fidelity-HSA

I think I"ve read every post here from the past year or two regarding opening a Fidelity (Fid) HSA, but I still don't know whether I can use the following method to close the hsabank HSA and transfer it to fid. First, I have about $7000 in hsabank (nothing invested in the td......investment side of ...
by Jyb33
Fri Apr 26, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: very wierd auto insurance premiums...
Replies: 22
Views: 1846

Re: very wierd auto insurance premiums...

Scratching my head. Your exactly $1,000 cost is now a little under $800? :shock: Offensive content removed by moderator Misenplace. After I sold the old car, the company said they returning a little less $200 (for this 6-month period), making my new car's 6-month premium just under $800 ....which i...
by Jyb33
Thu Apr 25, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: very wierd auto insurance premiums...
Replies: 22
Views: 1846

Re: very wierd auto insurance premiums...

Turns out my 6-month premium is a little under $800 now for a big new truck. But here's why I'm hesitant to shop around (but i might): Although I've never had an accident, I got 2 tickets about 1.5 and 1 year ago : (1) rolling through a stop sign (that's a story I should write about in another post)...
by Jyb33
Thu Apr 25, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1360

Re: Digital Nomad - Automobile Insurance Issues

When I first started reading this thread a few days ago, I noticed that noone mentioned the ins. companies favorite term and question: "garaging address".....(then eventually Luigi mentioned it...whew!!..finally). (But I did find it amusing that his sister "ended the conversation......at that point....
by Jyb33
Thu Apr 25, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: very wierd auto insurance premiums...
Replies: 22
Views: 1846

Re: very wierd auto insurance premiums...

Thanks for the interesting responses......I see I wasn't clear in my original post, so I'll re-write it. First, I'll answer the "number of drivers question: Just me... And I'm going to use rounded numbers as examples (although that $1000 I mentioned was their exact premium. So, I started out with ju...
by Jyb33
Wed Apr 24, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: very wierd auto insurance premiums...
Replies: 22
Views: 1846

very wierd auto insurance premiums...

My auto insurer is a pretty obscure (but national) company that's never been mentioned on this forum (so it's not worth mentioning at this point)....I actually got "transferred" automatically to this company a few years ago when my previous insurer stopped doing business in my state (and since I tra...
by Jyb33
Wed Mar 27, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Taxes...Is what I plan to do "generally OK", and how do states know if it's done right?
Replies: 0
Views: 368

Taxes...Is what I plan to do "generally OK", and how do states know if it's done right?

Hi Forum!! I've been reading the forum for a while, and plan to start contributing (but NOT on tax issues!!....thats what I know the least about). First, let me say that I posted a question (shown below the asterisks) last night inside an existing thread where some people were discussing a related i...
by Jyb33
Tue Mar 26, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?
Replies: 34
Views: 4599

Re: How much of VG Prime MM (VMMXX) Dividend is exempt from state tax?

I'm having exactly the same problem with HR-BLOCK software that Growthseeker had with Turbotax, until he found the right place to input the data).......but my problem is: there really IS NO PLACE to adjust the dividend numbers I'm using HR-BLOCK (PREMIUM, online, via "united way", which supposedly i...