Search found 374 matches

by tinscale
Fri Apr 27, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6167

Re: Who benefits from "best and final offer" on condo?

In auctions, it's wise to pre-establish the max you are willing to pay for an item, and not let the heat of the bidding get you to go above it. That max is your best and final. On eBay for example, with an auto-bidding program, you carefully set your max bid and go away. If the bidding doesn't exce...
by tinscale
Thu Apr 26, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: HOA won't help. [Homeowners Association]
Replies: 37
Views: 4697

Re: HOA won't help.

I'm an HOA board member. I would send a certified letter to the management company notifying them of what you believe to be either an unsafe condition or a violation of the community standards. Keep a copy of the letter and a record that it was delivered. Whatever happens after that is on them and t...
by tinscale
Thu Apr 26, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9445

Re: How did you tell the boss you're leaving/retiring?

I worked with the personnel dept first to figure everything out, including the timing of when. In the Fed govt and there are known "best days to retire" to maximize benefits. Once I decided, I just went in to our usual morning BS session and told her I decided to retire. I gave somewhere around 2 mo...
by tinscale
Thu Apr 26, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 6167

Re: Who benefits from "best and final offer" on condo?

In auctions, it's wise to pre-establish the max you are willing to pay for an item, and not let the heat of the bidding get you to go above it. That max is your best and final. On eBay for example, with an auto-bidding program, you carefully set your max bid and go away. If the bidding doesn't excee...
by tinscale
Thu Apr 26, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 6144

Re: Learning to drive stick

I've been able to drive a stick since 1969. I have a 6-speed now. Yes, you can learn the basics in a couple hours. Going up in gear is easy, downshifting or stopping when an unexpected situation occurs requires is a little harder and requires more finesse. Like, when the car in front doesn't go as y...
by tinscale
Wed Apr 04, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 4123

Re: How did you file your income taxes?

IRS's Free File Fillable Forms and North Carolina fillable pdfs mailed in. IRS notified me of a "miscalculation" in my taxable SS benefit (my error) and I sent them some cash. Surprisingly, when I could not find the error they found, I called and got a rep pretty fast and we went through the SS Bene...
by tinscale
Wed Apr 04, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 2153

Re: Escaping TD Ameritrade

I was with Scottrade and now TD, and other than being different, I haven't had any problems at all or observed what others are talking about. I only trade etfs. In several accounts I sold etfs and then immediately bought others based on the cash balance TD said was in the account after the sale. I d...
by tinscale
Tue Apr 03, 2018 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7420

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

My asset allocation is around 60% equities and 40% fixed income. I simply sell fixed income and buy equities. If I need to go the other way, I sell equities and buy fixed income. It is pretty simple to do that. Does that help? This^^^ except you can't do it if your fixed income allocation happens t...
by tinscale
Tue Apr 03, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do Bogleheads Take Advantage of Dips When Fully Invested?
Replies: 55
Views: 7420

Re: How do Bogleheads Take Advantage of Dips When Fully Invested?

My asset allocation is around 60% equities and 40% fixed income. I simply sell fixed income and buy equities. If I need to go the other way, I sell equities and buy fixed income. It is pretty simple to do that. Does that help? This^^^ except you can't do it if your fixed income allocation happens t...
by tinscale
Thu Mar 22, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 23973

Re: Anyone Deleting Facebook?

I got an account mainly because more than a few companies, organizations, clubs, government departments, etc., use it as their official channel of communication with the public, often in lieu of a website. I use it to find out what's going on in our neighborhood and surrounding community. Our HOA us...
by tinscale
Tue Mar 13, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 1395

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

Interesting. As an experiment, I turned on "hardware acceleration" here, and it did not seem to make any difference in how the Ally site behaves. So I'm not sure what to make of that. I wonder if this might be relevant? http://superpctricks.com/chrome-keeps-freezing-windows-10-fix My machine has an...
by tinscale
Tue Mar 13, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 1395

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

:!: SOLVED :!:

I turned off "hardware acceleration" in Chrome and Ally now loads. Hopefully that won't result in other issues popping up elsewhere.

Thanks to everyone for all the suggestions!

:sharebeer
by tinscale
Mon Mar 12, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 1395

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

oldcomputerguy wrote:
Mon Mar 12, 2018 6:50 pm
If you get really frustrated, you might try as a last resort uninstalling and reinstalling Chrome. It may not be an Ally issue, there might be something borked in your browser that some content or other in the Ally site causes to manifest.
Thanks. Just did this as well. Same issue.
by tinscale
Mon Mar 12, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 1395

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

I installed a Javascript error detector extension and it did not detect any errors. Then I uninstalled it.
by tinscale
Mon Mar 12, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 1395

Re: Can’t Login to Ally Bank with Chrome, Firefox works Fine

Tried all the above just now, turned off all extensions, tried incognito, new login page. Will investigate Java script next.

Chrome is Version 65.0.3325.146 (Official Build) (64-bit)
by tinscale
Mon Mar 12, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Can’t Login to Ally Bank with Chrome, Firefox works Fine
Replies: 19
Views: 1395

Can’t Login to Ally Bank with Chrome, Firefox works Fine

Was fine for a couple years until about a 5 weeks ago. The login executes but the 1st page after the login (the dashboard) freezes and stops responding. I’ve corresponded with Ally twice about it. The first time I informed them of the issue. Their response was to tell me to make sure I was using the...
by tinscale
Wed Mar 07, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 14014

Re: HSA family max contribution lowered to $6850 for 2018

Pretty easy a couple of years ago to request a refund of excess contributions with Aetna's HSA. No fee then, don't know about now.
by tinscale
Mon Mar 05, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1247

Re: Bailey Settlement question -- of interest only to NC residents

I don’t know what I was thinking. The TSP is NC tax exempt - not Federal. I’m fine with paying NC income tax on the amount of my RMDs that end up being taxable, in order to avoid my daughter having to pay Federal tax on the entire lump sum.
by tinscale
Sun Mar 04, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1247

Re: Bailey Settlement question -- of interest only to NC residents

retiredjg wrote:
Sun Mar 04, 2018 7:36 pm
First, you have to be sure you are covered under the Bailey decision.
Figured that out before I moved here from Virginia - retired CSRS fed. :D
by tinscale
Sun Mar 04, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical"?
Replies: 24
Views: 2926

Re: Vanguard's U.S. Total Stock Market Index fund (VTSAX) and Fidelity's TSM (FSTVX) considered "substantially identical

They are similar offerings from different investment companies - not identical because of the different indexes and # of stocks - but substantially identical in my opinion.
by tinscale
Sun Mar 04, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle state taxes for resident who worked out of state
Replies: 5
Views: 478

Re: How to handle state taxes for resident who worked out of state

My quick read of the 2 states instructions are that he files in Ohio as a non-resident, and files in Maryland as a resident. On line 24 of the Maryland Form 502, he gets credit for taxes paid to Ohio. Looks like he may have also to file some sort of non-resident affidavit in Ohio.
by tinscale
Sun Mar 04, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bailey Settlement question -- of interest only to NC residents
Replies: 16
Views: 1247

Re: Bailey Settlement question -- of interest only to NC residents

Very glad I read this thread because I had no idea my TSP distributions would be non-taxable. But, now I have to rethink the "upon my death instructions” to my wife. The current instructions are to roll the TSP into her IRA asap, so her beneficiary (our daughter) does not have to withdraw the TSP ba...
by tinscale
Thu Mar 01, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: SSN for 1099 to receive interview travel re-imbursement
Replies: 21
Views: 1187

Re: SSN for 1099 to receive interview travel re-imbursement

Job search expenses are no longer deductible starting in 2018.
by tinscale
Thu Mar 01, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8348

Re: Physical cash

I only use cc's, but carry a $20 in the wallet just in case. Keep $800-1,000 at home for when the electric power and cc machines go out.
by tinscale
Tue Feb 20, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10395

Re: Do you wear a wedding band? [at a job interview]

My opinion: If you normally wear one - wear it, if not - don't. If my marital status affects the hiring decision, then that is someone I don't want to work for.
by tinscale
Wed Jan 17, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10985

Re: Besides Bogleheads, What Are Your Favorite Forums?

sigforum.com, for all things gun related, and more.
by tinscale
Tue Jan 02, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD - No Penalty CD Help/Advice Needed
Replies: 30
Views: 4121

Re: Ally CD - No Penalty CD Help/Advice Needed

I opened (renewed) a No Penalty CD in August for 11 months at 1.55 apy and closed it on 12/28 and immediately bought a 12-month High Yield CD @ 2% apy. No issues at all.
by tinscale
Mon Jan 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 2007

Re: Lost about $100 due to shipping issue?

I disagree with "student" if student is suggesting to dispute the $100 Guess charge. You have no dispute with Guess (at this point). From the Guess website: "We are not responsible for items lost in the mail." If you used a credit card with UPS/USPS, you can perhaps dispute the shipping charges once...
by tinscale
Wed Nov 01, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 21756

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. If you use GEHA as a backup to Medicare, would not HDHP be less expensive as the backup? Victoria GEHA HDHP is d...
by tinscale
Mon Oct 30, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1477

Re: Storage Recommendations for pictures

Google Photos - You have to select the "High Quality" option and not "Original" to get free unlimited storage. High quality compressed the resolution to 16MP, which should be fine in most cases. You can read more about it if concerned.
by tinscale
Wed Jul 12, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 17123

Re: Ally Bank - Savings Account Rate Increased!

The interest rate is 1.14%, it's the APY that's 1.15%. :wink:
by tinscale
Tue Jul 04, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 18549

Re: Bogleheads: you should be buying 10-year old cars

FYI, from CNN Money July 4, 2017 Link "Car buyers are going deeper into debt and for longer periods of time as they reach to buy more expensive new cars. The average car loan last month stretched out for 69.3 months, or nearly six years, according to Edmunds.com. That's the longest average loan term...
by tinscale
Tue Jul 04, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 7050

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I use LastPass but all websites, accounts, user names, passwords, and security Q+As are written down in an 8-page folder.
by tinscale
Sat Jun 24, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 2083

Re: American Airlines double charged me!

Personally, I wouldn't dispute a charge that the other party has already agreed to reverse.
by tinscale
Sat Jun 24, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 14573

Re: Amazon Buys Whole Foods

The local Harris Teeter here on the outskirts of Charlotte has a pretty brisk order online/pickup in car business, so it seems quite a few folks don't mind having someone else pick out their the groceries. I've also seen the order pickers picking groceries. They pretty much grab what's there and don...
by tinscale
Tue Jun 13, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 4194

Re: Auto-Debit May Not Be Such a Good Idea

An additional potential problem with bank push vs. payee pull that if there is a glitch and the payment doesn't happen, you are not responsible if it is a payee pull (unless you had insufficient funds).
by tinscale
Tue Jun 13, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: condo maintenance - AC unit
Replies: 2
Views: 738

Re: condo maintenance - AC unit

Maybe the coils were filthy. There are 2 coils. The coils inside absorb heat and humidity from inside your space, and the coils outside expel the heat. Both need to be clean in order to work properly, effectively, and efficiently. They do get dirty. https://energy.gov/energysaver/maintaining-your-ai...
by tinscale
Tue Jun 13, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 4733

Re: Got a parking ticket - what to do?

jebmke wrote:Someone probably just took their ticket and put it on your car. I would ignore it.
No. The trick is to take a ticket from another car and put it on your car, so the ticket writer sees you already have a ticket and passes you by. :beer
by tinscale
Tue Jun 13, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 3794

Re: Employee theft - How best to proceed

FInd someone who speaks the patients' language, have that person explain to the patients what the employee did, and have that person accidentally leak the employee's name, address, and phone number to the patients. :shock:
by tinscale
Tue May 30, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 2230

Re: Honda mulching mower clumping

In my opinion you are cutting too much grass off the top at once. For fescue, supposed to cut off no more than 1/3 of the height. Set mower higher or mow more often.
by tinscale
Fri May 12, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Buying Major Appliances Online
Replies: 20
Views: 2639

Re: Buying Major Appliances Online

Check the return policy and time frame - at some places the clock starts ticking upon delivery. If you have to store them a while before connecting and using, it's possible that the return period could expire while they are in storage. Physically returning them is another issue.
by tinscale
Fri May 12, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 5655

Re: Price for brakes and rotors?

Try the NAPA Repair Estimator Guide. Plug in your car, zip code, and what work you want done. http://www.napaautocare.com/estimator.aspx
by tinscale
Sun May 07, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 3171

Re: HOA & renting rules

Our single-family HOA requires all occupants to be members of the same housekeeping unit, and the conversion of any space to an apartment or other type of living space is not allowed with HOA approval. There are a bunch of requirements for a code-compliant basement apartment, including fire-rated c...
by tinscale
Tue May 02, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: How quick is too quick for a job offer?
Replies: 29
Views: 4340

Re: How quick is too quick for a job offer?

Sounds to me like the company you are interviewing with knows what they want and might be ready act when they get an applicant that fits the bill, rather than putz around for months in a misguided quest to the hire the one perfect candidate (who won't be).
by tinscale
Tue May 02, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 8955

Re: Buying first home with old hvac

The asking price reflects the age and condition of the house and its components.

You could ask the seller to replace it and increase the purchase price, but then you'd be paying for it over 30 years or whatever.
by tinscale
Sun Apr 30, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Shopping habits and timing of purchase
Replies: 13
Views: 1766

Re: Shopping habits and timing of purchase

How about you, do you wait until you need something to buy it - or is there anything that you purchase in advance in order to avoid not being able to find just what you want or need at the time you want or need it? Shoes and ammo are about the only thing I have a little supply of, all purchased on ...
by tinscale
Sat Apr 29, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 72947

Re: Banned from Home Depot Returns

One recommendation - always use a credit card. If you don't have a receipt HD can look up a transaction by swiping the card and scanning the product. Not much help here, but for the future. That only works within 90 days of the purchase. "Receipts for purchases made with a credit or debit card or b...
by tinscale
Thu Apr 27, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Lifecycle Funds/G Fund Too Conservative?
Replies: 140
Views: 11541

Re: TSP Lifecycle Funds/G Fund Too Conservative?

fundseeker wrote:tinscale, Thanks a lot for the clarification. I should have been more clear in my post, that it only applies to the spousal beneficiary. Thanks again!
You're welcome. I spend a good amount of time researching this.
by tinscale
Thu Apr 27, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Lifecycle Funds/G Fund Too Conservative?
Replies: 140
Views: 11541

Re: TSP Lifecycle Funds/G Fund Too Conservative?

Upon my death, I've instructed my wife to transfer all the money out of the TSP and into her Traditional IRA account ASAP, so that when she dies, her beneficiary would not have to fully withdraw it (and be taxed on it). Because: If the beneficiary of a TSP account is the surviving spouse, the accoun...
by tinscale
Thu Apr 27, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 72947

Re: Banned from Home Depot Returns

Thanks, didn't know that. But I'm wondering if their return policy is longer than 90 days though? The stated return policy is 90 days. After 90 days, as of 8/15 when I left, if you have a receipt the system will prompt "receipt expired" but they can override and still refund. Store credit may be th...