Search found 48 matches

by LPSpecial
Sun Sep 10, 2017 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 72
Views: 32288

Re: Can't freeze credit at Experian?

I had the same experience not being able to complete the credit freeze online at Experian. They wanted additional information; a copy of drivers license, SS #, date of birth, and copy of a current bill in my name to help verify my identity. I sent it in a USPS priority mail envelope with a postal mo...
by LPSpecial
Fri Jun 23, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Actuary Career - Thoughts Please
Replies: 20
Views: 2941

Re: Actuary Career - Thoughts Please

Thank you all for the thoughtful replies.

LPSpecial :happy
by LPSpecial
Thu Jun 22, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Actuary Career - Thoughts Please
Replies: 20
Views: 2941

Actuary Career - Thoughts Please

Hello, My daughter will be a senior this coming school year and she is investigating various career options. She is quite good with math, science, and English. She took a career aptitude test recently and received numerous career choices that might be a good fit. One of the careers that she thought ...
by LPSpecial
Fri Mar 03, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (February 2017)
Replies: 12
Views: 2048

Re: madsinger monthly report (February 2017)

Thank you for providing this service. I always look forward to your reports.

LPSpecial :happy
by LPSpecial
Sun Dec 11, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble freezing their credit?
Replies: 6
Views: 842

Re: Anyone else have trouble freezing their credit?

As I have no intention of taking out more credit cards or loans, and someone had tried to take out a credit card in my name (caught by Chase fraud), it seemed like a good idea to put a freeze in with Equifax, Experian, and TransUnion. Interestingly, the exact same thing happened to me. I was able t...
by LPSpecial
Thu Aug 20, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Attic Fan & Noise Ordinance
Replies: 35
Views: 4040

Re: Attic Fan & Noise Ordinance

In 1999 we put a Masterflow gable vent attic fan in because our roof did not have adequate ventilation. We were told to set the thermostat at 105 degrees. It made quite a difference in helping to reduce the attic temperature. We put a new roof on in 2006 which had adequate venting but kept the fan i...
by LPSpecial
Tue May 26, 2015 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Removed credit freeze, lender still can't pull report
Replies: 8
Views: 1798

Re: Removed credit freeze, lender still can't pull report

I never froze Experian. I had a bad experience with Equifax back in the days after the Anthem data hack was announced. My report was frozen and then I never received the pin number because their website was having problems. A number of people on this site mentioned having the same difficulty. I had ...
by LPSpecial
Tue May 26, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Removed credit freeze, lender still can't pull report
Replies: 8
Views: 1798

Re: Removed credit freeze, lender still can't pull report

Yes, it only took a couple minutes to put in my pin number and remove the freeze. Still... a week later my mortgage guy cannot access the credit reports. He says he has seen it take a couple of days to several weeks. I'm just curious if anyone else has experienced this.
by LPSpecial
Tue May 26, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Removed credit freeze, lender still can't pull report
Replies: 8
Views: 1798

Removed credit freeze, lender still can't pull report

Hello all,
One week ago, I removed my credit freeze at Transunion and Equifax. My lender still cannot pull my credit report from those agencies. Does anyone know how long it takes before my account updates and my lender can access my reports?
Thanks for your thoughts.

LPSpecial
by LPSpecial
Sat Apr 04, 2015 12:34 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (March 2015)
Replies: 8
Views: 1887

Re: madsinger monthly report (March 2015)

Brad,

Thank you for continuing this work. I always look forward to your monthly report. It is a great reminder that my portfolio doesn't need to be complex.

Kind regards,

LPSpecial :happy
by LPSpecial
Thu Feb 05, 2015 7:23 pm
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 100
Views: 11473

Anthem hack; Protecting Children's Information

[Post merged into here, see below. --admin LadyGeek] We are insured with Anthem and this is quite troubling. I have been thinking of freezing our credit. My bigger concern is our children who are insured with Anthem as well. How can you protect their information or freeze their credit, if they even...
by LPSpecial
Thu Feb 05, 2015 7:12 pm
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 100
Views: 11473

Re: Health Insurer, Anthem, Hacked

We are insured with Anthem and this is quite troubling. I have been thinking of freezing our credit (wife and I), and appreciate the links and info about freezing one's credit. My bigger concern is our children who are insured with Anthem as well. How can you protect or freeze their credit, if they ...
by LPSpecial
Sat Oct 11, 2014 1:28 pm
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 4773

Re: Wine - how to keep it from not spoiling?

I bought a Houdini wine preserver at Target on sale for around $10. It is a vacuum pump and it comes with two stoppers. It really does help, especially with red wine. Normally, after one day in the refrigerator, a re-corked bottle of red wine tastes terrible. Now using this product, I can get a few ...
by LPSpecial
Sun Mar 02, 2014 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use UPromise?
Replies: 14
Views: 2916

Re: Anyone use UPromise?

Yes, we've had an account for about 13 years and so far have received about $570 in UPromise rewards. We take the earnings and put them in our children's ESA's. Every little bit helps. If you eat out a lot or buy online frequently, you could definitely target some decent cash back savings this way. ...
by LPSpecial
Sat Dec 28, 2013 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Celebrating the small financial victories....
Replies: 42
Views: 4677

Re: Celebrating the small financial victories....

I thought I would post this for the benefit of the others here who are just starting out and might get discouraged with the reports coming in over the next couple of weeks of more established portfolios. It can be hard to be starting out, looking at a small portfolio and still working on accumulati...
by LPSpecial
Sun Dec 22, 2013 4:37 pm
Forum: Personal Consumer Issues
Topic: OTA HDTV - Best antenna to use?
Replies: 54
Views: 12707

Re: OTA HDTV - Best antenna to use?

I have a Mohu Leaf that works quite well. I am about 20 miles or so from most of the broadcast stations. I found that placement is very important and the best location for us is taped in the upper right hand corner of a window. I run the cable down the wall and through a small hole in the floor to t...
by LPSpecial
Tue Aug 27, 2013 11:01 pm
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 8457

Re: How do you "rent" movies?

1) Netflix streaming through roku.
2) Borrow from library ocasionally.
3) Rent on demand from Amazon streaming through roku (costs about $3-5, but don't have to go pick it up or return it).

LPSpecial
by LPSpecial
Sat Aug 17, 2013 12:29 pm
Forum: Personal Consumer Issues
Topic: Identity Safe - password manager
Replies: 15
Views: 2995

Identity Safe - password manager

Hello, I've seen numerous discussions on the use of keepass, lastpass, roboform, and others. I was wondering has anyone used Norton Identity safe password/login manager? I am thinking of trying it since it comes bundled with Norton 360. I am still not 100% at ease with using anything that stores thi...
by LPSpecial
Mon Oct 22, 2012 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio help request for my retiring In-Laws
Replies: 12
Views: 1349

Re: Portfolio help request for my retiring In-Laws

OP, I am sure you will get good investment advice from others. I am going to hijack the thread. Don't do it. Refer them to Vanguard. It is too much responsibility for you to take on advising them and if it goes bad, which it could, you are going to be blamed for it. I couldn't agree more, dont' do ...
by LPSpecial
Mon Feb 13, 2012 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Changing Co-Owner?
Replies: 6
Views: 624

Re: I-Bonds - Changing Co-Owner?

Thank you sscritic and HueyLD.
by LPSpecial
Mon Feb 13, 2012 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - Changing Co-Owner?
Replies: 6
Views: 624

I-Bonds - Changing Co-Owner?

Hello all, Very shortly my parents are going to be sending me some I-bonds that they have saved for me over the years. I am co-owner on these with my mother. I am interested in changing the co-owner on these bonds from my mom to my wife (mom is including a letter signing them over, so to speak). I d...
by LPSpecial
Sat Jun 04, 2011 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13202

Thank you

Thanks everyone for the thoughtful responses. You have inspired me!
by LPSpecial
Sat Jun 04, 2011 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13202

Agreed on CC debt.

You don't give us much info, but I'd blame the credit card debt more than the recent takeover. I agree with you on the CC debt. When it's paid off I will have a sizeable sum available to save monthly. However, the new company with significantly increased benefits costs has hurt our budget as well. ...
by LPSpecial
Sat Jun 04, 2011 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else here struggling to save? Just curious - Thanks!
Replies: 131
Views: 13202

Anyone else here struggling to save? Just curious - Thanks!

Hello, After some serious pay and benefit reductions (company bought by competitor) I have been struggling to save much of anything for retirement. The new company doesn't have a 401k with matching like my former employer, so I have been applying any extra money to paying down credit card debt. Just...
by LPSpecial
Sat Mar 26, 2011 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Coverdell ESA question
Replies: 9
Views: 2147

Re: Coverdell

RetiringSomeday, I opened Coverdell accounts for my kids when they were born. They used to be called an Educational IRA. 1. Yes the limit is $2000 per tax year, so yes you can add $2000 for 2010 and $2000 more for 2011 after April 18th, 2011. 2. When Congress extended the Bush Tax cuts of 2000. The...
by LPSpecial
Sun Oct 31, 2010 9:48 pm
Forum: Personal Consumer Issues
Topic: K&N Air Filters - More HP & gas mileage? - Worth the
Replies: 31
Views: 4494

Thanks all!

Wow, I never thought I'd get so many detailed and thoughtful responses! Thanks to everyone who replied. I appreciate it much. :)
by LPSpecial
Sat Oct 30, 2010 11:02 pm
Forum: Personal Consumer Issues
Topic: K&N Air Filters - More HP & gas mileage? - Worth the
Replies: 31
Views: 4494

K&N Air Filters - More HP & gas mileage? - Worth the

Hi, I've been considering buying a K&N air filter for my car. They are supposed to provide significantly more air flow to the engine than a paper air filter. This is supposed to result in more horse power which makes perfect sense to me. They are cloth filters that can be washed, oiled and re-us...
by LPSpecial
Sun Sep 26, 2010 8:53 am
Forum: Investing - Theory, News & General
Topic: Wellesley/STAR beats S&D in Retirement
Replies: 12
Views: 6812

Thinking of Active / Passive Combo Simlar to This One

For sometime I have been thinking of using a combination of Star/Wellesley and a few index funds to round it out similar to what was shown above except with more foreign. How many people out there are currently using a similar combination and how did you come to decide on it? Thanks for your thought...
by LPSpecial
Fri Aug 13, 2010 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Transfers to Vanguard:
Replies: 13
Views: 2479

Re: Ira transfer to Vanguard

I also recently transferred an Ira from Fidelity to Vanguard. I started the transfer online through Vanguard's website (as others have shown above), filled out the paperwork online, printed and then got a signature guarantee and mailed the paperwork to Vanguard. Was a very quick painless transfer t...
by LPSpecial
Thu Aug 12, 2010 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Transfers to Vanguard:
Replies: 13
Views: 2479

Ira transfer to Vanguard

I also recently transferred an Ira from Fidelity to Vanguard. I started the transfer online through Vanguard's website (as others have shown above), filled out the paperwork online, printed and then got a signature guarantee and mailed the paperwork to Vanguard. Was a very quick painless transfer th...
by LPSpecial
Thu Dec 31, 2009 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you tip before or after tax in a restaurant?
Replies: 55
Views: 9073

Tips

I always tip 20% after tax rounded up. If the wait person is really nice and does an exceptional job the tip will be 25% or more. This is important to me personally because I was a waiter for about 6 years and it really was a character building experience. If the service is bad I will still tip 15% ...
by LPSpecial
Sun Aug 30, 2009 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity old 401k/IRA -> Vanguard. Fido gives run-around
Replies: 15
Views: 9315

Transferred Ira to Vanguard

Hi, I know it's not a 401k, but I transferred a small IRA from another well known company to a Vanguard IRA several years ago. I got the transfer started online on Vanguard's webiste. I opened a new account at Vanguard online and then proceeded to get the transfer paperwork printed from Vanguard's w...
by LPSpecial
Sun Aug 23, 2009 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Transferring an ESA to Vanguard - Questions
Replies: 1
Views: 670

Transferring an ESA to Vanguard - Questions

Hello, My question is about transferring an ESA college saving account from another company to Vanguard. On Vanguard's website it states that I would have to provide information about the total contributions and earnings in the account... otherwise the amount transferred would be considered all earn...
by LPSpecial
Thu Jun 25, 2009 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Salary raises - what are you seeing?
Replies: 84
Views: 12539

Pay Cut

17% - Salary Reduction
3% - 401k Match Eliminated
4% - Retirement Plan Contribution Eliminated

24% - Total Compensation Reduction :(


I work in cad design for a tier one auto supplier. Times are really tough... I'm grateful to have my job.
by LPSpecial
Sun Jan 18, 2009 11:08 pm
Forum: Personal Consumer Issues
Topic: The Pro-Recession Movement
Replies: 15
Views: 3088

there's obviously something wrong with someone making $75/hr for bolting a door to a car Think about this: If you could switch your current job for an assembly line job in a car factory with the samel salery, would you prefer the car factory job? Also this fake number hurts my eyes. 75$ dont get an...
by LPSpecial
Sun Dec 21, 2008 11:26 am
Forum: Investing - Theory, News & General
Topic: NYT - More Companies Cut 401k Match
Replies: 72
Views: 9324

401k match, etc.

Our company just cut the 401k match and also contributions to a pension account. We are also required to purchase a two week vacation which is paid for by salary reduction. This will be somewhat painful but I understand the company is in survival mode and I am very thankful to still be employed. Any...
by LPSpecial
Mon Jun 30, 2008 10:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard Beneficiaries - Why not use SS #?
Replies: 14
Views: 3581

Vanguard Beneficiaries - Why not use SS #?

I've wondered why Vanguard does not require you to list a beneficiaries SS #? I guess it's not a big deal, but I do think the SS# would be one more identifying piece of information.
by LPSpecial
Mon Mar 10, 2008 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Children's savings accounts
Replies: 16
Views: 4648

Similar Situation - Started Coverdell ESA Accounts

Hello, We have two small children as well. I really wanted to have a college savings plan in place for them early on. After investigating the options available, we started Coverdell ESA's (Education Savings Accounts) for our kids. Not having a lot of extra cash to invest for them, we make contributi...
by LPSpecial
Thu Dec 06, 2007 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Thinking back to when you were 21...what yr was it,any good?
Replies: 56
Views: 14261

1988 - A Good Year

1988 - A good year for me. Community college, living at home, working part time, listening to lots of music. In retrospect, I was moving forward... but I really didn't have a clear direction. Thankfully, I found one. "So understand, don't waste your time always searching for those wasted years,...
by LPSpecial
Sat Oct 06, 2007 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: do most people here own any active funds?
Replies: 60
Views: 16606

Fidelity 401k Active Funds

Yes, in my Fidelity 401k only one index fund is offered. My current 401k portfolio is comprised of Fidelity Balanced as a core holding, with Low Priced Stock, Diversified International and Select Natural Resources added to round it out. I wish we had access to more indexing optiions in the plan. I c...
by LPSpecial
Fri Sep 14, 2007 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use TCF Bank?
Replies: 2
Views: 1615

Gmac Bank

modal wrote: I use www.gmacbank.com for savings. modal: Does gmac bank online give you the option of creating sub-accounts in your savings account or money market? Apparently, ING orange online savings allows you to do this. This is something that I think would be helpful but not required. Thanks fo...
by LPSpecial
Fri Sep 14, 2007 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use TCF Bank?
Replies: 2
Views: 1615

Anyone use TCF Bank?

Hello, For some time I've been considering using TCF Bank for savings accounts for our kids and mainly for the online billpay and free checking. I've also wondered if they have safe deposit boxes in their branch offices, they don't mention this on their website. If anyone could share their opinion a...
by LPSpecial
Wed Sep 05, 2007 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: what do you drive? conservative or spendy?
Replies: 99
Views: 39383

Saturn Ion

I just bought a 07 Saturn Ion to replace a well used 97 Ford Escort with 172,000 miles on it. I took a 5 year loan at 3.9% interest rate. The new Saturn is great, I love it! :D
by LPSpecial
Thu Aug 23, 2007 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Guitars...way off topic
Replies: 21
Views: 6415

Guitars - Cool!

Hi Doug, I thought I'd throw in my 2 cents. I agree playing an electric is easier, especially when first learning. My username LPSpecial is basically my guitar, a Gibson Les Paul Special. I waited a long time to be able to get it and I love playing it. If you are really looking for an acoustic for a...
by LPSpecial
Fri Jun 08, 2007 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market Joint Account
Replies: 7
Views: 3803

Yuba, livesoft, and Laura,

Thank you for taking the time to explain this so well for me. :)
by LPSpecial
Tue Jun 05, 2007 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market Joint Account
Replies: 7
Views: 3803

Vanguard Money Market Joint Account

Hello all, this is a basic Vanguard account question. I am considering opening a Vanguard money market joint account with my wife. We both have only ira accounts with VG. My question is will the joint account be shown on both our "Accounts and Activity" page? My assumption is that the join...
by LPSpecial
Wed May 23, 2007 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use any Credit Monitoring Service?
Replies: 11
Views: 3906

Equifax Credit Watch Gold

Hello, A few years ago I purchased the "credit watch gold" product from Equifax for $99.95 a year. It have renewed it yearly and currently still have the service. It provides daily monitoring of your credit file and unlimited access to credit reports (Equifax only). It also includes some i...
by LPSpecial
Fri May 11, 2007 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on transferring ESA's to Vanguard
Replies: 2
Views: 1193

Thoughts on transferring ESA's to Vanguard

Hello All, This is my first post here and I wanted to say thanks to all for I have learned quite a bit in the last year or so. In summary I played the stock trader thing and did ok with my ira, but unfortunately I didn't do well with my wife's (she's forgiven me). The biggest thing for me was the st...