Search found 181 matches

by investor4life
Mon Sep 30, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: COSTCO Citicard credit/discount question
Replies: 32
Views: 3578

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: 3578

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: 9
Views: 950

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: 52
Views: 5009

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: 52
Views: 5009

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: 77
Views: 6416

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: 109
Views: 7194

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: 109
Views: 7194

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: 109
Views: 7194

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: 59
Views: 4400

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: 1630

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: 1817

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: 2254

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: 4123

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: 2107

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: 2295

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...
by investor4life
Fri Jul 19, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Apollo 11 (In Real Time)
Replies: 62
Views: 5064

Re: Apollo 11 (In Real Time)

Thank you for posting this link. I remember vividly where I was and what I was doing on that glorious day!
by investor4life
Wed Jul 17, 2019 10:44 pm
Forum: Personal Investments
Topic: Changing Target Date fund 2050 to 2065
Replies: 8
Views: 1041

Re: Changing Target Date fund 2050 to 2065

Hello! 28 year old here. If I decide I want to stay more stocks/riskier for a longer period of my life, are there any obvious downfalls/penaltys to just changing my current 401K balance to a later target date fund? I just want to make sure I'm not missing anything before making this change of a dec...
by investor4life
Wed Jul 17, 2019 10:23 pm
Forum: Personal Investments
Topic: How exactly does maxing a 401k work when you're approaching the limit line?
Replies: 27
Views: 2221

Re: How exactly does maxing a 401k work when you're approaching the limit line?

I have experienced both. My employer stops deductions exactly when the limit is hit (no over-contribution). However, DW’s employer requires whole-percentage-of-paycheck contributions, so we end up over-contributing at times and the excess is classified as after-tax.
by investor4life
Sat Jul 13, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3851

Re: How to encrypt Cloud backups?

These suggestions to use an entire backup container sound extremely cumbersome to me, unless you intend on keeping the backup very small. Every time you modify the contents of a file - even a single character - you’ll have to re-upload the entire container That's actually not true, at least with Ve...
by investor4life
Fri Jul 12, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3851

Re: How to encrypt Cloud backups?

Do DropBox or Google Drive keep previous versions of your container *indefinitely*? Could one retrieve the version of a file from (say) 2015?
by investor4life
Wed Jul 10, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2776

Re: New budget SUV vs used luxury SUV

The range on the Mazda pricing is due to the trim. I was comparing all inclusive rate. We decided to go with the Mazda, since 1. Maintenance cost is likely gonna be lower in the long run 2. Mazda gtr offers similar luxury effect to Acura 3. Newer safety system and infotainment in Mazda. I think tha...
by investor4life
Tue Jul 09, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Verizon iPhone international trip
Replies: 37
Views: 2283

Re: Verizon iPhone international trip

FYI, verizon has free wifi calling & texting. Set it up state-side. Then she can call/text for free (as if she were in US) whenever she has a wifi connection. It works fine abroad I've used it several times in Southeast Asia. No extra charges whatsoever. Set it up in US and try it first just be on ...
by investor4life
Mon Jul 08, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 2776

Re: New budget SUV vs used luxury SUV

I went through the same decision process very recently, deciding between the 2019 CX5 and the Lexus NX and the Acura RDX. Bought the CX5 Grand Touring with the Premium package. (This configuration is identical to the Reserve, if you don’t need the turbo engine of the Reserve, and this saves you 2-3K...
by investor4life
Mon Jul 08, 2019 6:09 pm
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 73
Views: 7015

Re: (Tall) Buyer Beware: Honda Accord.

Perhaps an aftermarket seat cushion, designed for long drives, might help?
by investor4life
Wed Jun 26, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Equifax: can’t log in
Replies: 59
Views: 4400

Re: Equifax: can’t log in

Equifax is still not ready for prime time. I have a lock at equifax. I keep meticulous passwords and notes in 1Password. I know for sure that I have the correct login info for equifax but equifax says it’s incorrect and will not let me log in. Says it will lock me out of my account after 3 failed a...
by investor4life
Tue Jun 18, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3742

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

Here’s Apple’s take on this “charged” issue :)

https://www.apple.com/batteries/why-lithium-ion/

I typically let the battery run down to 80% (to keep the electrons moving, as it were) and then charge back to 100%. I am at cycle count 353 on mid-2015 MacBook Pro.
by investor4life
Tue Jun 18, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Mazda extended warranty
Replies: 20
Views: 1445

Re: Mazda extended warranty

How is buying an extended warranty "blowing thousands of dollars"? In return for an upfront ~$2000 payment, you could potentially receive limited coverage of some parts during a narrow time period beyond the free manufacturer's warranty. In other words, you are betting that things will go perfectly...
by investor4life
Mon Jun 17, 2019 10:28 pm
Forum: Personal Consumer Issues
Topic: Mazda extended warranty
Replies: 20
Views: 1445

Mazda extended warranty

I am considering getting an extended warranty for a 2019 Mazda CX-5 that I plan to purchase soon. In the past I've had good luck shopping for Toyota and Audi extended warranties from Toyota/Audi dealerships that are not necessarily local. Can folks who have bought a Mazda CX-5 warranty from a Mazda ...
by investor4life
Mon Jun 17, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Ally bank - missing 2018 statements
Replies: 9
Views: 955

Re: Ally bank - missing 2018 statements

I logged into my Ally checking account last night to look up a check I wrote last July, and found that all the statements for 2018 missing. Everything was there from 2019, and one statement from December 2017. Has anyone else ever seen anything like this? Can you see your 2018 check statements, or ...
by investor4life
Sun Jun 16, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4406

Re: My Bad Experience With Angie's List

I realize that this may not work in every situation (e.g., for jobs that are small enough that a handyman suffices), but for larger jobs (e.g., HVAC) I've had good luck going through Costco. My assumption that the contractor must be good in order to have satisfied Costco's quality control has been b...
by investor4life
Fri Jun 14, 2019 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Problems with my MyEquifax account
Replies: 11
Views: 1780

Re: Problems with my MyEquifax account

OP here. I was able to get back online via the password reset link. This was failing previously until I made one change. The password requirements include that there should be *no more* than 2 consecutive identical characters in the password. I was following all the requirements (all the checkmarks ...
by investor4life
Fri Jun 14, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Problems with my MyEquifax account
Replies: 11
Views: 1780

Re: Problems with my MyEquifax account

I just called and had my login reset. Got transferred twice. I can now manage my freeze. Could you post the number you called and how you were able to get to someone who could actually do the reset? The number I keep calling, given on the "lockout screen" as 888-836-6351, is manned by folks who kee...
by investor4life
Thu Jun 13, 2019 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with my MyEquifax account
Replies: 11
Views: 1780

Re: Problems with my MyEquifax account

Yep. I've been trying to sign in since Monday. Called CSR several times, the last time they said they were doing a system upgrade and to try later, using the last password I reset. Tried again yesterday, password rejected, tried today, account locked. They said to call next week if I couldn't get s...
by investor4life
Thu Jun 13, 2019 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Problems with my MyEquifax account
Replies: 11
Views: 1780

Problems with my MyEquifax account

I changed the password on my MyEquifax account recently and ever since then have not been able to log back into the account. I've tried to use the "forgot password" mechanism to reset the password but to no avail. After 3 attempts the account is locked out for 24 hours. I've contacted the Equifax cu...
by investor4life
Wed Jun 12, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 55
Views: 3328

Re: Passport photos cheap

Swimmer wrote:
Tue Jun 11, 2019 6:46 am
We had passport photos taken at Walgreens’s. Cost for one person was just short of $20! Anyone know where to get a bargain?
A AAA Plus membership gets you one set (two pics) free every 12 months (it does not go by calendar year).
by investor4life
Mon Jun 10, 2019 5:38 pm
Forum: Personal Investments
Topic: HSA investment advice
Replies: 25
Views: 2545

Re: HSA investment advice

Preserving principal with HSA, respectfully, is the wrong move. Generally, you want to have the assets with maximum expected growth rate in vehicles where such growth is tax free. This is the reason why you should prefer equities in Roth accounts and fixed income instruments in traditional tax-defe...
by investor4life
Tue May 07, 2019 1:53 pm
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1869

Re: Lost Mail

Thanks Mike. My concern is those much larger checks I mail from time-to-time. I pay on line when I can. Also, I hear about “washing” of stolen checks and withdrawal of bank funds using account and routing numbers off pilfered checks. I’ve read about washing checks (maybe on BH) that washing of chec...
by investor4life
Fri May 03, 2019 12:06 pm
Forum: Personal Investments
Topic: Sitting on $1.5m cash - need help
Replies: 53
Views: 14324

Re: Sitting on $1.5m cash - need help

k3vb0t wrote:
Sat Apr 27, 2019 6:43 am
If Ally goes bust you’re set to lose $850k. I’d get under FDIC limits ASAP.
Agreed that that's a lot of eggs in one basket, but OP may be under the FDIC limits depending on how the accounts are held at Ally (joint, with beneficiaries, etc.)

OP: You can check your FDIC coverage at EDIE.
by investor4life
Mon Apr 08, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Should I regularly replace the water filter in the fridge?
Replies: 50
Views: 4342

Re: Should I regularly replace the water filter in the fridge?

DanMahowny wrote:
Mon Apr 08, 2019 10:49 am
I use that "little bypass plug thingy". No need for a water filter where I live.
Do all (newer) fridges come with the bypass plug? Our previous LG had one. The new Whirlpool doesn’t. The manual makes no mention of one either.
by investor4life
Sun Apr 07, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 1890

Re: router internet parental controls

My older kid (10yo) is fast becoming active on internet and I realized that email spam he started to get includes ads for adults sites. He is not intentionally looking for the content, and showed me what he got himself reacting with indignation, I have access to all of his accounts (that I know of ...
by investor4life
Thu Apr 04, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Virtual credit cards - most reliable to process?
Replies: 5
Views: 511

Re: Virtual credit cards - most reliable to process?

I've used Citi's VAN and BofA's Shopsafe for years. Each VAN is 1-time use whereas Shopsafe can be set up for recurring charges at a single merchant (which can be convenient). I experienced issues with VAN being denied for a brief period in late 2018-early 2019, but the problem seems to have been re...
by investor4life
Tue Apr 02, 2019 6:49 pm
Forum: Personal Investments
Topic: Where to enter "Foreign Source Income" in TurboTax
Replies: 2
Views: 279

Re: Where to enter "Foreign Source Income" in TurboTax

I meet the conditions for not having to file Form 1116. If you don't have to file Form 1116 to get the tax credit because you're under the $300/$600 limit, TurboTax won't nudge you to figure your Foreign Source Income. It's not needed if not filing Form 1116. I see. Thank you! I was puzzled because...
by investor4life
Tue Apr 02, 2019 3:38 pm
Forum: Personal Investments
Topic: Where to enter "Foreign Source Income" in TurboTax
Replies: 2
Views: 279

Where to enter "Foreign Source Income" in TurboTax

I have an international fund and paid foreign taxes for which I took a credit. I've calculated the "Foreign Source Income" but this year TurboTax (Premier) is not prompting me to enter that info. My notes from last year show that I was able to enter it last year upon being prompted by TTax during it...
by investor4life
Thu Mar 28, 2019 6:27 pm
Forum: Personal Investments
Topic: Question about incomplete basis info. for Time Warner (TWX) stock
Replies: 2
Views: 236

Re: Question about incomplete basis info. for Time Warner (TWX) stock

Back in my pre-Boglehead days :| , I bought shares of Time Warner (TWX). Last summer, when AT&T acquired TWX, I received cash plus AT&T shares for TWX. The cash part was around 15K and is taxable. On the 1099-B the broker (TD Ameritrade) reports this in four categories (1) short-term covered lot, (...
by investor4life
Thu Mar 28, 2019 4:01 pm
Forum: Personal Investments
Topic: Question about incomplete basis info. for Time Warner (TWX) stock
Replies: 2
Views: 236

Question about incomplete basis info. for Time Warner (TWX) stock

Back in my pre-Boglehead days :| , I bought shares of Time Warner (TWX). Last summer, when AT&T acquired TWX, I received cash plus AT&T shares for TWX. The cash part was around 15K and is taxable. On the 1099-B the broker (TD Ameritrade) reports this in four categories (1) short-term covered lot, (2...
by investor4life
Tue Mar 26, 2019 7:58 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 5764

Re: What is the best gas credit cards hands down?

Hi there, I already have the joyous citi double cash, yet I've heard one can get higher returns using other gas credit cards. I know costco has a 4 percent gas credit card, but I don't shop at Costco, or sams club. What is the no annual fee, supreme rate Gas credit card as of March 2019? If you spe...
by investor4life
Tue Mar 26, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 5764

Re: What is the best gas credit cards hands down?

Hi there, I already have the joyous citi double cash, yet I've heard one can get higher returns using other gas credit cards. I know costco has a 4 percent gas credit card, but I don't shop at Costco, or sams club. What is the no annual fee, supreme rate Gas credit card as of March 2019? If you spe...
by investor4life
Tue Mar 26, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: New Fridge?
Replies: 28
Views: 2599

Re: New Fridge?

We had an LG with all the bells and whistles. Looked great but that’s about it. It required a service call about once every six months and finally died after four years. The repair tech told us to stay clear of LG and Samsung. Went with a more basic Whirlpool. Too early to say how it will fare. Did ...
by investor4life
Mon Mar 25, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: New Roof for Insurance Deductible?
Replies: 11
Views: 807

Re: New Roof for Insurance Deductible?

A storm-chaser even showed me pictures on his ipad of "my roof" with extensive damage. I was suspicious and called a local roofer who'd done my roof several years ago, who confirmed that there was no damage. The insurance company also sent out an appraiser who confirmed there was no damage. Looks li...