Search found 215 matches

by investor4life
Tue Jun 30, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 138
Views: 10024

Re: YoutubeTV subscription now $64.99/month

Sucks! I just quit Comcast cable for this recently. Even with the price increase though, I will be saving ~$60/month as compared to Comcast Triple Play (much of that coming from not having to pay for set-top boxes and all sorts of fees associated with cable) and that is before the next inevitable fe...
by investor4life
Sat Jun 27, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: phone service through Comcast
Replies: 15
Views: 960

Re: phone service through Comcast

We have had Voice through Comcast for years. We use our own modem/router (MOTOROLA MT7711). It's worked well. Occasionally, the phone will go dead and I just reboot the modem. (Note: The modem takes an optional back-up battery so the phone can work during a power outage.) As an aside, we ditched the...
by investor4life
Thu Jun 25, 2020 10:20 pm
Forum: Personal Consumer Issues
Topic: Need a new microwave
Replies: 38
Views: 3237

Re: Need a new microwave

Our microwave went on the fritz last month (after just 4 years). We got this one from Best Buy for around $220. Works great so far (and looks quite nice, too). The stainless steel front is truly fingerprint-resistant. We like the LED lighting inside that lets you see your food warming/cooking. It (l...
by investor4life
Thu Jun 04, 2020 12:43 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 138
Views: 14911

Re: Schwab acquiring TD Ameritrade

I wish Schwab would simplify their 1099. The “Paid for/Adjusted in 20xx for 20yy” entries always throw me off, among other things. Much prefer the simplicity of the TDA 1099.
by investor4life
Wed Jun 03, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: Looking for Shredder Recommendations
Replies: 30
Views: 1411

Re: Looking for Shredder Recommendations

Related question: What to do with the confetti after shredding? Local curbside recycler discourages recycling as it gums up their sorting machines. They advised putting it in the trash, which is what I have done but it seems such a waste.
by investor4life
Tue Jun 02, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Savings Promo
Replies: 108
Views: 13111

Re: Capital One 360 Savings Promo

I read that Capital One does a soft pull on credit history for this offer. Does this require lifting an existing freeze on one's credit file. If so, which one (Experian, TransUnion, Equifax)?
by investor4life
Tue Jun 02, 2020 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking estate planning advice for Canadian on H1B with Indian citizen wife
Replies: 6
Views: 534

Re: Seeking estate planning advice for Canadian on H1B with Indian citizen wife

Hi all, The recent thread [ H1B Exit Strategy 401K vs Roth vs Brokerage ](https://www.bogleheads.org/forum/viewtopic.php?p=5286493#p5286493) made me realize that estate planning is a topic I should get educated on. Here's my situation: - Myself Canadian citizen on H1B in US since 2009. Greencard no...
by investor4life
Thu May 28, 2020 10:14 am
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4369

Re: If not 3 fund, whats your strategy ?

My employer is in the process of changing plan administrators and I am looking at this as an opportunity to realign the asset allocation in my retirement account over the next month or so, as below. 50% S&P 500 fund (ER .02) 25% Total Bond Index (ER .03) 25% a stable value account guaranteed to pay ...
by investor4life
Wed May 20, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 2066

Re: Apple iPad vs Notebook

Tablet/iPad will never replace Mac/any laptop versatility. They are awesome for media consumption/games, but that's all they do best. Very limited for real productivity/work, even browsing is limited to gimped version (mobile, not web version). You can't run a lot of full fledged programs with iPad...
by investor4life
Tue May 19, 2020 9:39 pm
Forum: Personal Consumer Issues
Topic: Apple iPad vs Notebook
Replies: 43
Views: 2066

Re: Apple iPad vs Notebook

I wish Apple would make a MacBook (Pro or Air) that allowed pen-based input (a la the Surface).
by investor4life
Sun May 17, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for WFH presentation setup
Replies: 6
Views: 860

Re: Ideas for WFH presentation setup

Thanks. I am using Zoom. I need to annotate the PDF to fill in details: Specifically, present various math theorems in the typeset PDF with whitespace left in the PDF that will be filled-in with the proof by hand—to mimic what one would do in a real classroom. The material is quite math-heavy and f...
by investor4life
Sun May 17, 2020 1:30 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1276

Re: Sump Pump Dual System

There was a similar thread here not long ago.
by investor4life
Thu May 14, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for WFH presentation setup
Replies: 6
Views: 860

Re: Ideas for WFH presentation setup

Thanks. I am using Zoom. I need to annotate the PDF to fill in details: Specifically, present various math theorems in the typeset PDF with whitespace left in the PDF that will be filled-in with the proof by hand—to mimic what one would do in a real classroom. The material is quite math-heavy and fo...
by investor4life
Thu May 14, 2020 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for WFH presentation setup
Replies: 6
Views: 860

Ideas for WFH presentation setup

I need to make several PDF-based presentations a week (PPT and the like are not options for various reasons). I need to annotate by hand extensively during the presentations (and afterwards be able to save the file with the annotations). So far I have been using a Windows laptop with Adobe Acrobat R...
by investor4life
Mon May 11, 2020 10:04 am
Forum: Personal Consumer Issues
Topic: Making backups in Windows 10 with File History
Replies: 17
Views: 1173

Re: Making backups in Windows 10 with File History

OP here. Thanks for all the replies--very helpful. I am still in information-gathering mode on File History. Really interested in feedback on rotating two backup drives in File History. One of the replies indicated that this can be an issue. I had not considered making a system image or a repair dis...
by investor4life
Fri May 08, 2020 12:35 am
Forum: Personal Consumer Issues
Topic: Making backups in Windows 10 with File History
Replies: 17
Views: 1173

Making backups in Windows 10 with File History

I've been using Western Digital's backup utility to make backups of files on my WIndows 10 machine to two external HDs (MyPassport). Lately, I've run into issues where certain critical files do not get backed up on either HD. This came about suddenly after two flawless years of backups. I haven't be...
by investor4life
Tue May 05, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4858

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

We had a slow-running shower drain. It had one of those grates with square, 1/4-inch holes that was letting hair etc get through. Fished out the gunk with a plastic snake and got a drain cover with tiny holes at Lowe's (it just sits atop the original grate). For good measure, I throw in some Bio-Cle...
by investor4life
Mon Apr 13, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: Sump pump recommendations
Replies: 26
Views: 1695

Re: Sump pump recommendations

You make some great points; thanks! For me it was a question of getting something that I could quickly "drop" into the sump basket and not have to re-do existing plumbing. (I was leaving town soon and didn't have time for any re-do.) Incidentally, this unit does have a separate float switch for the ...
by investor4life
Sun Apr 12, 2020 11:20 pm
Forum: Personal Consumer Issues
Topic: Sump pump recommendations
Replies: 26
Views: 1695

Re: Sump pump recommendations

I've had my eye on this one, anyone ever used it? Basement Watchdog - 1/2 HP Big Combination Unit with Special Backup Sump Pump System I installed this one by Wayne a year ago. It is an integrated two-pump unit (main a/c and battery-powered backup). Looks like a well-built unit. Time will tell if i...
by investor4life
Sun Apr 05, 2020 4:11 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 329
Views: 24474

Re: Are you still going to the grocery store or using a delivery service? Which?

DW and I go Saturdays right before the local grocery store opens (7 am). The store is pretty empty at that time and also well-stocked. In and out in 15 minutes.
by investor4life
Sat Apr 04, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20699

Re: What are you doing for haircuts due to coronavirus shutdown?

Haven't most of already taken a haircut ... in the market, that is?
by investor4life
Thu Feb 27, 2020 7:14 pm
Forum: Personal Investments
Topic: Not a market timer, but facing unique situation...
Replies: 4
Views: 699

Not a market timer, but facing unique situation...

I am not a market timer by any means (I stayed the course through 2008-09 and am happy about it). However, I am facing a unique (for me) situation this time around. (Thanks coronavirus :annoyed ). My employer is in the process of consolidating its 401K plan at Fidelity and this will involve picking ...
by investor4life
Sun Jan 26, 2020 12:37 am
Forum: Personal Investments
Topic: Puzzled by Ally 14-month CD interest payout
Replies: 5
Views: 1199

Re: Puzzled by Ally 14-month CD interest payout

Thanks for the quick and helpful reply. I guess one learns something new every day! :o
by investor4life
Sun Jan 26, 2020 12:16 am
Forum: Personal Investments
Topic: Puzzled by Ally 14-month CD interest payout
Replies: 5
Views: 1199

Puzzled by Ally 14-month CD interest payout

Back in Feb 2019, I opened an Ally 14-month CD, which will mature in April this year. My understanding of this CD was that the interest compounds daily but all of it is paid out in a lump sum at maturity (so in 2020, with no tax liability for tax year 2019). So I was not expecting to see any interes...
by investor4life
Sat Jan 18, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 188
Views: 14344

Re: Some possible luxury SUV choices to buy: Opinions?

Starting to look at some possibilities in this class. Looking at pricing max around the mid 40s with all the safety goodies: auto braking, adaptive cruise, lane keeping assist, blind spot warning, cross-traffic alert. Also desire android auto, can take or leave in-dash navi. Don't want a panoramic ...
by investor4life
Fri Jan 17, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 188
Views: 14344

Re: Some possible luxury SUV choices to buy: Opinions?

While it is not on your list, the CX5 meets your specs at about mid-30K. (On the slightly smaller side but ok if carrying just two people, as in my case.)

So, did you get rid of the CRV?
by investor4life
Fri Jan 03, 2020 3:34 am
Forum: Personal Investments
Topic: Separate logins for joint account
Replies: 3
Views: 469

Separate logins for joint account

DW and I have a joint Schwab brokerage account with a single login (username + password). The problem is that the Symantec VIP 2FA for this account can be set up on only one of our phones (currently on mine). Is it possible to have separate logins for the two of us, each with its own Symantec VIP ac...
by investor4life
Wed Jan 01, 2020 4:13 am
Forum: Personal Consumer Issues
Topic: Buying a 2019 Toyota Highlander year end
Replies: 7
Views: 1074

Re: Buying a 2019 Toyota Highlander year end

Quick follow up in case anyone sees this in the future: Bought the 2019 LE V6 AWD. MSRP was ~$37k, they came down to $30.5k. I tried to get another $1,000 off but they wouldn't budge anymore on the price, but offered another $800 for my trade in. The original offer they gave me on my trade in was a...
by investor4life
Tue Dec 17, 2019 1:28 am
Forum: Personal Investments
Topic: HELP!!! Vanguard locked my account
Replies: 54
Views: 8116

Re: HELP!!! Vanguard locked my account

This was not at Vanguard, but there was a place where I had an account and I was sure the username was x. I kept entering x with my password until I locked the account by mistake. Then I remembered the username was Y and I was able to log into my account. I unfortunately had locked the poor persons...
by investor4life
Fri Nov 29, 2019 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else having trouble logging into Social Security account?
Replies: 9
Views: 879

Re: Anyone else having trouble logging into Social Security account?

I had this problem in the past. It was so frustrating I ended up at the SS office. I only access my account once or twice a year and my passwords never worked one time to the next. I was told by the SS folks that with new security measures if you don't access the account regularly, every month or s...
by investor4life
Thu Nov 28, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else having trouble logging into Social Security account?
Replies: 9
Views: 879

Anyone else having trouble logging into Social Security account?

Tried to access my SSN account today at the Social Security website to do annual review of statement. Got locked out after three unsuccessful attempts (some combination of username and password not recognized). Same thing happened when DW tried. I am quite sure that in both cases the info was entere...
by investor4life
Fri Nov 01, 2019 12:08 pm
Forum: Personal Investments
Topic: Entire retirement portfolio moving (involuntarily) to Fidelity
Replies: 13
Views: 1291

Entire retirement portfolio moving (involuntarily) to Fidelity

So, DW's employer decided a few months ago to switch their 401k management to Fidelity. Interestingly, my employer announced recently that they, too, would be switching to Fido starting in mid-2020. These two accounts constitute our entire retirement nestegg (about 65% of net worth). Unfortunately, ...
by investor4life
Thu Oct 24, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Is Google Drive enough for me?
Replies: 64
Views: 4280

Re: Is Google Drive enough for me?

I have read a few past threads on the subject of backing up my files to a cloud and how secure it is. I have contemplated encrypting my files before uploading them to Google Drive but would prefer not to have that hassle. I really love how easy it is to use Google Drive to backup a single folder on...
by investor4life
Mon Sep 30, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3980

Re: COSTCO Citicard credit/discount question

....................................................................... Additionally, if in some year your 2% executive bonus is less than the difference between Gold Star and Executive membership (currently $60), they will refund you the difference in cash or apply it to your renewal. Happened to ...
by investor4life
Sun Sep 29, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3980

Re: COSTCO Citicard credit/discount question

While we have had the Costco Citicard for several years, I recently noticed that we were not taking full advantage of the 1-4% discounts/credits available. We have gotten an annual "check" we use for Costco purchases. With increased use of the Costco Citicard, we expect/plan that this annual "check...
by investor4life
Wed Sep 25, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Locked out of Equifax
Replies: 17
Views: 3386

Re: Locked out of Equifax

Hi, I am wondering if anyone else went through this situation and what the resolution was. I had the online myEquifax account (https://my.equifax.com), and able to access it just fine - till last Friday, when it started giving this message: "We can't complete your request at this time. Please call ...
by investor4life
Mon Sep 23, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7303

Re: Someone stole my wife's phone number (ie. ported to another carrier)

While concerning, the password is still needed for 2FA. So how is this worse than 1FA? Unless the password reset process involves a text to the cell phone number to verify identity. :oops: It’d help to have a login-id that’s not obvious (like an email address). This likely adds an extra measure of ...
by investor4life
Mon Sep 23, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 57
Views: 7303

Re: Someone stole my wife's phone number (ie. ported to another carrier)

While concerning, the password is still needed for 2FA. So how is this worse than 1FA? Unless the password reset process involves a text to the cell phone number to verify identity. :oops: It’d help to have a login-id that’s not obvious (like an email address). This likely adds an extra measure of ...
by investor4life
Thu Sep 19, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 10238

Re: Alternatives to Subaru Outback?

Never thought I would be posting a car buying topic on BH, yet here I am. DW bought a 2016 Outback new but recently swapped it with DS who had been driving my old 2004 Toyota Solara. She loved the Outback and her intention was to buy a new Outback when the 2020s came out. She had selected the versi...
by investor4life
Wed Sep 11, 2019 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9126

Re: BofA ShopSafe going away

Citi sure doesn't make it easy to figure out which cards allow Virtual Account Numbers. from here: https://www.cardbenefits.citi.com/Products/Virtual-Account-Numbers it just says available on select cards, and you "can view all Citi cards and their features by visiting Citicards.com" So I go there,...
by investor4life
Fri Sep 06, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9126

Re: BofA ShopSafe going away

I've used both Citi Virtual Account Numbers and BofA ShopSafe for years. One key difference: VAN is 1-time use even at the same merchant, whereas SS can be set to be used multiple times at the same merchant. I've found SS to be convenient for recurring monthly charges. It's never failed me whereas ...
by investor4life
Fri Sep 06, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9126

Re: BofA ShopSafe going away

I've used both Citi Virtual Account Numbers and BofA ShopSafe for years. One key difference: VAN is 1-time use even at the same merchant, whereas SS can be set to be used multiple times at the same merchant. I've found SS to be convenient for recurring monthly charges. It's never failed me whereas V...
by investor4life
Tue Sep 03, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 68
Views: 10815

Re: Equifax: can’t log in

Same problem twice, once three months ago when attempting to eliminate a credit freeze for a loan application, a second time in the past two weeks. Both times, the lock-out occurred after the first attempt with the message that too many attempts had occurred. The other two worked seamlessly. Tim Th...
by investor4life
Tue Sep 03, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1741

Re: New car delivery - what to check?

Hello, We're taking delivery of a car shortly. What do we need to check for at the time of delivery? Is there a list that we need to ask the salesperson? For example, if we have requested all weather mats, do they provide the standard mats also? There is a roof rack (we think) that comes with the c...
by investor4life
Wed Aug 28, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Anyone here on Verizon Prepaid? Deprioritization?
Replies: 23
Views: 2423

Re: Anyone here on Verizon Prepaid? Deprioritization?

I am on Verizon prepaid. I occasionally have issues at big events like baseball games or indoor concerts, but I couldn't tell you if that is due to general congestion on the network, poor coverage in certain buildings, or deprioritization for prepaid. I don't know how anyone could definitely say th...
by investor4life
Thu Aug 15, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax is a joke
Replies: 14
Views: 2672

Re: Equifax is a joke

So I was impacted by the Equifax breach and now trying to put a security freeze on my credit reports. Even tough I'm pretty sure that I've answered correctly to all of the security questions while trying to open an account on myEquifax, they decided to send e a verification code via email. No probl...
by investor4life
Thu Aug 15, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4420

Re: Headache buying new minivan

Sienna by a mile (or 100K miles). Recently traded-in a 100+K-mile, 11-year old Sienna. Not a single problem in all those years and a silky smooth ride. I'd have kept it longer but wanted the safety features in newer cars.
by investor4life
Tue Aug 13, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2419

Re: October in Minnesota

If you like sports, both the Gopher football team and the Vikings are home that weekend (vs. Nebraska and the Eagles, respectively). And who knows maybe the Twins will be in the playoffs and at home...
by investor4life
Tue Aug 06, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Child with cancer
Replies: 10
Views: 2382

Re: Child with cancer

So sorry to hear of this. I was in a similar situation some years back, as a parent of a teenager, and it is gut-wrenching. As has been mentioned by others, access to a research-focused pediatric cancer center (such as at a major research university) is very helpful. The doctors there are abreast of...