Search found 3016 matches

by beyou
Wed May 27, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2414

Re: New TVs with built-in Roku

MIL Samsung tv from a few years ago just deleted Hulu built-in app, because it was the older pre-Hulu Live app, and they had no new version. She has 2 Samsung TV’s and the newer one has the latest Hulu, so it’s not like Samsung does not care about Hulu, but they don’t make an effort to ensure their ...
by beyou
Wed May 27, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: How Much is a Pension Worth?
Replies: 30
Views: 2870

Re: How Much is a Pension Worth?

You need to assume a number of years you will live and some “discount rate” relevant for that period. I don’t understand where you got 5.7% but that seems a high rate to assume over next 30 years, if a US Tsy 30 bond is under 2%. Discount rate is a risk free rate usually. https://www.treasury.gov/re...
by beyou
Sun May 24, 2020 1:52 pm
Forum: Personal Consumer Issues
Topic: Advice on Pillows
Replies: 9
Views: 884

Re: Advice on Pillows

TemperPedic is the best. I like the neck pillow.
by beyou
Sun May 24, 2020 1:45 pm
Forum: Personal Consumer Issues
Topic: Should we drop our Long Term Care Insurance?
Replies: 15
Views: 1191

Re: Should we drop our Long Term Care Insurance?

Thought this was going to be a covid discussion. I don’t want to be in a nursing home after what has occurred in them last few months. My 92yo MIL refused a nursing home or other faciluty, insisted to live in her own place. She has LTCI and we had to talk her into at least using it for at home care....
by beyou
Sun May 24, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: Verizon Fios AutoPay Bad Idea?
Replies: 51
Views: 3169

Re: Verizon Fios AutoPay Bad Idea?

I took advantage of the discount for Verizon Wireless, $10/mo/line so saving $40/mo when I switched cc to debit card. checking acct or debit card both got the discount. Using debit card gives some protections (in addition to fraud protection, can always call in to claim I lost my debit card, get a n...
by beyou
Sun May 24, 2020 7:00 am
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9575

Re: Personal spending out of control after Covid-19

down: Commuting (save $400/mo) dry cleaners (maybe 50-100/mo) gym (50/mo) lunches out (200/mo) cable - can’t watch more covid news and without sports, dropped all live tv for now, saving maybe $50/mo haircuts ($20/mo) vacations/weekend trips (variable) up: groceries (cooking more at home maybe $200-...
by beyou
Sun May 24, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3733

Re: Warning: Virginia State Inspection

This just underscores the need to find a mechanic you can trust, for all needs, not just state inspections. Mine just retired during the pandemic shutdown. Once did state inspection at a dealer, they passed but indicated need new brakes soon, brought immediately to my guy, who said they are fine. La...
by beyou
Fri May 22, 2020 5:45 am
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6536

Re: [Auto insurance companies issuing refunds due to coronavirus]

Wow, just got back $50 from Allstate.


Next up, dental insurance. Can’t go but keep paying.
by beyou
Fri May 22, 2020 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Car or Train? Plus, Used Car (Make/Model/Year) Recommendations for Long Commute
Replies: 36
Views: 1270

Re: Car or Train? Plus, Used Car (Make/Model/Year) Recommendations for Long Commute

You might be a good candidate for looking on lease trader or something similar and picking up the last six months of a lease for cheap (I suspect there are people with cars they leased to drive to jobs they no longer have). You could drive it and if you didn’t like it turn it in at the end. If you ...
by beyou
Fri May 22, 2020 5:04 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1661

Re: Buying tires for 2017 Subaru Outback

Wow surprising no mention of Goodyear. I am on my 2nd Outback and 4th Subaru, and have used Goodyear as replacements for many years. These days I get their “Assurance WeatherReady” which are their best AllSeason tires. Good rating in tirerack site. https://m.tirerack.com/tires/ratings-review.jsp?tir...
by beyou
Sun May 17, 2020 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 56
Views: 4429

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

While I agree it is annoying to change cards periodically, I constantly update which cards I use anyway. I am pretty aware of which cards have best cash back deals, and change cc # on places like Amazon, hulu, whenever another card gives more cash back for that particular business. So if stolen # th...
by beyou
Sun May 17, 2020 10:19 am
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3408

Re: Must carry more than one credit card

It is inconvenient having locks in your door, especially when losing your keys, but you wouldn’t live without locks. That said, Citibank is the worst. I used to work there many years ago and it was a great company, technologically speaking. But now it has bad tech and customer service. I have kept m...
by beyou
Sat May 16, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20947

Re: Vanguard brokerage account transition

Paper request, not available online. I had well known legal reason I had to do this. The reason affects many people, Vanguard knows it. I know some employees in financial services have limitations in terms of what kind of accounts/assets they are allowed to have and how they are held. I personally ...
by beyou
Sat May 16, 2020 12:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 20947

Re: Vanguard brokerage account transition

I received another nag e-mail today on this with slightly more detail on timing, although I am not sure what happens if you still refuse to transfer when the platform is eventually retired. We're working toward the retirement of our old investment platform, which supports accounts that only hold Va...
by beyou
Sat May 09, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: New college graduates - what's the job situation?
Replies: 12
Views: 2477

Re: New college graduates - what's the job situation?

One son graduated early in Dec, got a job at one of the places benefiting from online shopping, started one week before WFH lockdown. Luckily being paid to WFH. Friends who got offers from same firm but graduating now, had start dates postponed. Even though doing very well sales wise, this firm does...
by beyou
Tue May 05, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3106

Re: Moving from High taxed state to no income tax state

Do your homework. My employer wants us to move to a no income tax state, but they do charge tax on dividends, interest. So for someone that would be nearing retirement, with lots of passive income in prep for retirement, not a great benefit unless one plans to move there and leave immediately upon ...
by beyou
Tue May 05, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3106

Re: Moving from High taxed state to no income tax state

We moved to Florida from a low tax state that had a 5% income tax on all earned income, and dividend/capital gains over a few thousand dollars a year. Previous property taxes were low and sales taxes were high. In Florida,our property tax rates are low, sales taxes are low and there is no income ta...
by beyou
Tue May 05, 2020 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Probate legal costs in NY and Pennsylvania?
Replies: 12
Views: 785

Re: Probate legal costs in NY and Pennsylvania?

The mutual funds are not TOD? If you put all your non-real estate holdings TOD/POD, and ONLY your house and contents are passed to estate, does it really cost 5 figures to sell a house and divide proceeds among your children ? If so is there a way to avoid ? Honestly, when I get older and can't man...
by beyou
Tue May 05, 2020 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3106

Re: Moving from High taxed state to no income tax state

Do your homework. My employer wants us to move to a no income tax state, but they do charge tax on dividends, interest. So for someone that would be nearing retirement, with lots of passive income in prep for retirement, not a great benefit unless one plans to move there and leave immediately upon r...
by beyou
Sun May 03, 2020 11:25 pm
Forum: Personal Investments
Topic: Anyone Else Having Problems with Vanguard's Overview Asset Mix?
Replies: 6
Views: 827

Re: Anyone Else Having Problems with Vanguard's Overview Asset Mix?

I noticed that too. I found the problem. In my work retirement plan I have STFAX -State Street 500 fund. On Vanguard's Other Accounts I listed STFAX as my fund. Never had a problem before. I replaced STFAX with Vanguard's 500 fund and problem solved. Now I have no "uncategorized" assets and my Asse...
by beyou
Sat May 02, 2020 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31077

Re: Car Dealers not really wanting to make a deal

Anyone note that Ford and GM are not making a single car now ? Supply and demand, supply declining, prices wont decline. It will be more than a month or two, it will take production to be ramped up to increase supply. https://www.cnbc.com/2019/08/05/car-dealers-struggle-to-sell-2018-new-car-invento...
by beyou
Sat May 02, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 226
Views: 31077

Re: Car Dealers not really wanting to make a deal

Anyone note that Ford and GM are not making a single car now ?
Supply and demand, supply declining, prices wont decline.
It will be more than a month or two, it will take production to be ramped up to increase supply.
by beyou
Sat May 02, 2020 3:11 pm
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5333

Re: Do you keep moving your cash around chasing yield?

same bank for 10 years. Same banks for 20+ years I chase yield outside my bank accounts, among Vanguard bond funds. THere are so many short term bond funds, muni, federal, treasury, limited term muni, and of course mmkt funds. Sometimes if I have a loss on my bond fund, I sell to harvest the loss a...
by beyou
Sat May 02, 2020 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 56
Views: 33815

Re: Problems obtaining a free annual Equifax credit report online

They (Equifax) still do this and claim for security reason you must send in different forms of ID, However this cant be true, because if you are willing to pay the fee to obtain it on there website its made available to you instantly, and you DONT even need to pay using a card that has your name. S...
by beyou
Sat May 02, 2020 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3388

Re: Is it safe to store financial statements in the cloud?

Check out this free service by Fidelity Labs (?)... fidsafe.com Otherwise, if using Dropbox, etc, I would first encrypt the files/folder using something like TrueCrypt.. just make sure that you keep the keys safe on several places (office, home, other relative's PCs). My 2cents. + 1000 Encrypt your...
by beyou
Tue Apr 28, 2020 11:46 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

I live in one of the states and was able to get the PIN...for 2019.
You need to get a new PIN each year.
by beyou
Mon Apr 27, 2020 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6063

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

Not my employer (private equity firm), though I can't say I'm surprised. Plans are not final but we are likely going to be returning to the office the day after the shelter-in-place orders are lifted, though somewhat staggered. Have heard anecdotally from my buddies at some of the Wall St. banks th...
by beyou
Mon Apr 27, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

All 3 of mine (2 different states and the federal) were not filed electronically. My CPA doesn't seem to like doing it. I already received one state's refund but I figured the federal and the other state's refund may be quite some time. Well I got my state refund in a few weeks, after e-filing. Owe...
by beyou
Mon Apr 27, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

“Who’s eligible for an IP PIN? If you are a confirmed victim of identity theft and the IRS has resolved your tax account issues, we will mail you a CP01A Notice with your IP PIN. If you live in one of 20 locations, you are eligible for the online IP PIN Opt-In Program. To be eligible for 2020, you m...
by beyou
Sun Apr 26, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: In your experience, what is the credit card with the best customer service?
Replies: 36
Views: 2038

Re: In your experience, what is the credit card with the best customer service?

They are NOT all close.
Citibank service gets worse every year.
Double cash is attractive, double headaches less so.
by beyou
Sun Apr 26, 2020 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

For the many Bogleheads who fear/loathe e-filing, note paper returns are essentially sitting in an endless wait state. https://www.fool.com/taxes/2020/04/25/no-tax-refund-yet-heres-why-the-irs-might-be-givin.aspx I am not sure e-filing is much better? I e-filed mine on March 10th, and received my r...
by beyou
Sun Apr 26, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

For the many Bogleheads who fear/loathe e-filing, note paper returns are essentially sitting in an endless wait state. https://www.fool.com/taxes/2020/04/25/no-tax-refund-yet-heres-why-the-irs-might-be-givin.aspx If I had filed our taxes, I would be OK with that status, as we owe a small amount. Wh...
by beyou
Sun Apr 26, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

I've used Turbo tax for a few years now, reasonably straightforward. It is the data theft most seem to fear. Nobody seems to account for the fact that paper can be lost, stolen, destroyed, miskeyed upon entry and worst of all for id theft are these delays. ID thieves can file for a refund in your n...
by beyou
Sun Apr 26, 2020 5:18 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

File tax return electronically

For the many Bogleheads who fear/loathe e-filing, note paper returns are essentially sitting in an endless wait state.

https://www.fool.com/taxes/2020/04/25/n ... givin.aspx
by beyou
Sat Apr 25, 2020 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12706

Re: Moving out of NYC due to pandemic

Please move now. We need affordable housing in ny, and the more people who move away, better for those who stay :-)
by beyou
Sun Apr 19, 2020 2:21 pm
Forum: Personal Investments
Topic: Is this a reason to switch brokerages?
Replies: 12
Views: 580

Re: Is this a reason to switch brokerages?

Does your 401k allow you to move ALL your assets to CS ?
Mine uses TDA, but I seem to recall you can only move part of your acct. Didn’t focus on the option as our 401k native choices were pretty good. Consolidating had pros/cons, best investment choices should dictate decisions.
by beyou
Sun Apr 19, 2020 2:17 pm
Forum: Personal Investments
Topic: Any reason to keep Vanguard Federal Money Market Fund?
Replies: 16
Views: 2584

Re: Any reason to keep Vanguard Federal Money Market Fund?

If hassle factor is low, why not ? My online bank as great rates, but their mmkt savings acct takes more effort to open that a new fund purchase, and has minimums. Over years I had opened savings accts for the yield, closed to avoid fees/min balance, and was considering re-opening but decided agains...
by beyou
Sun Apr 19, 2020 12:51 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13468

Re: How many paid for kids' college?

Paid for undergrad at expensive private schools for 2.
I would have sent them to state if that’s all I could afford, and would have advised against loans.

I have never had desire for fancy cars or vacations, so my kids were lucky we had the priorities we did, they both start adult life debt free.
by beyou
Sat Apr 18, 2020 8:19 am
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 46
Views: 4098

Re: Vanguard's Treasury Money Market funds are closed...

My interest checking account pays 0.70 % Same bank has savings acct paying 1.61 May I ask what bank you are using up this way? www.firstib.com Banks raise and lower rates, just not as quickly as money market funds. Service and convenience are more crucial for banking than just rates. But when you c...
by beyou
Sat Apr 18, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 46
Views: 4098

Re: Vanguard's Treasury Money Market funds are closed...

mapleosb wrote:
Sat Apr 18, 2020 6:24 am
beyou wrote:
Sat Apr 18, 2020 5:52 am
My interest checking account pays 0.70 %
Same bank has savings acct paying 1.61
May I ask what bank you are using up this way?
www.firstib.com
by beyou
Sat Apr 18, 2020 5:52 am
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 46
Views: 4098

Re: Vanguard's Treasury Money Market funds are closed...

My interest checking account pays 0.70 %
Same bank has savings acct paying 1.61
Vanguard Treasury today pays 0.62 %
Fidelity Treasury today pays 0.01 %

So again, why do you need Fidelity for cash mgmt ?

The fido fund has .42 exp ratio, Vanguard 0.09
Wonder why the yield is better, this is why !
by beyou
Fri Apr 17, 2020 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Laid Off - COBRA vs. Healthcare Exchange
Replies: 12
Views: 1638

Re: Laid Off - COBRA vs. Healthcare Exchange

ACA is terrible in my area. No out of network coverage, no network docs outside my area, high deductibles and it’s not cheap.

I will go on cobra and stay in it until no longer available, when the time comes.
by beyou
Fri Apr 17, 2020 11:36 pm
Forum: Investing - Theory, News & General
Topic: Press Release 4/16/20– Vanguard Closes Treasury Money Market Fund to New Investors
Replies: 46
Views: 4098

Re: Vanguard's Treasury Money Market funds are closed...

Barron's has posted a story on this (I know it will be behind a paywall): https://www.barrons.com/articles/vanguards-treasury-money-market-fund-closes-to-new-investors-51587075794 April 16, 2020 6:23 pm ET The Vanguard Treasury Money Market fund has closed to new investors for the first time in mor...
by beyou
Sun Apr 12, 2020 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Coverage for College Kids when they are home on breaks...
Replies: 6
Views: 596

Re: Health Insurance Coverage for College Kids when they are home on breaks...

My kids were offered great plans with national coverage at low rates, which are 365 days/year coverage.

I still declined due to employer family coverage that made it even cheaper to be on my plan, worth comparing. But I would not want hassle of switching back and forth.
by beyou
Sun Apr 12, 2020 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Citi website
Replies: 22
Views: 1547

Re: Citi website

Former Citi employee of years ago. Ever since they merged with Travelers to become Citigroup, and their MIT educated CEO John Reed was forced out, it has been all downhill for them. John Reed made Citi the most technologically advanced bank when I worked there, but after he was forced out by Sandy W...
by beyou
Sun Apr 12, 2020 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2504

Re: Quarterly Taxes

Last year was my first year to pay quarterly taxes (used to just increase withholding on one paycheck to offset taxes due on a 1099 job for DW). At end of year I had to fill out this ugly form on my taxes to prove my underpayment was not subject to penalty, but showing how much we earned quarter by ...
by beyou
Sat Apr 11, 2020 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Reason not to buy car at end of lease?
Replies: 28
Views: 2344

Re: Reason not to buy car at end of lease?

I don't lease but given the crap shoot that is buying, I have starting to think about leasing as a strategy to try before I buy. After a 3 year lease, you'll know it's a lemon or not. Not so much a financial decision to me, but rather a way to avoid getting a new car you wish you didn't get, or at l...
by beyou
Sat Apr 11, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6570

Re: What's worth paying more for?

Anything and everything. My attitude is if you really need something, get something that works as needed.
If you don't really need it, don't buy it, why buy a cheap alternative ?
by beyou
Fri Apr 10, 2020 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Would you quit your job without another job now?
Replies: 34
Views: 2571

Re: Would you quit your job without another job now?

In the past when I had bosses who were very unfair/difficult, I took them aside and made it clear what is not acceptable to me in terms of my treatment. If you are going to quit anyway, what have you got to lose ? In my case thankfully it worked and behavior improved when I drew boundaries of accept...
by beyou
Thu Apr 09, 2020 7:56 am
Forum: Investing - Theory, News & General
Topic: One Fund for Accumulation - Portfolio Visualizer Says Wellington
Replies: 12
Views: 1265

Re: One Fund for Accumulation - Portfolio Visualizer Says Wellington

You also did not indicate if this is a taxable or tax deferred or Roth tax free account. I think you wanted feedback not just on which fund but if one fund is best at all ? One fund is great for IRA/401k - only investors. Auto rebalance without tax ramifications. If you had taxable too, then there i...