Search found 1377 matches

by RustyShackleford
Sun Jun 09, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Southwest credit card, bonus points question
Replies: 4
Views: 300

Re: Southwest credit card, bonus points question

Jags4186 wrote:
Sun Jun 09, 2019 12:17 pm
squirm wrote:
Sun Jun 09, 2019 12:15 pm
My credit is also locked, I haven't applied for anything since locking it. How do I apply for credit with it locked? Just unlock it for a day or two?
yes
Yes. But I had to undergo an interview of 15 minutes or so about my "business".
by RustyShackleford
Fri May 31, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13795

Re: Tequila and Magaritas

This thread turned me onto Cazadores tequila, which is very good and only $34 for 1.75l at Costco. Thanks folks! True story ... I was just on a river-rafting trip and opened a metal water bottle full of Cazadores and passed it around. It tasted SO good that I wondered if I'd confused it with a simi...
by RustyShackleford
Sun May 12, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13795

Re: Tequila and Magaritas

I prefer the juice of one lime.. Not picking on you specifically, as a number of these recipes mention the juice of one lime, or the like. The problem is, the amount of juice in one lime seems to vary from well under an ounce to 1.5 ounces. What I do is buy a bag of limes (Trader Joes often has a g...
by RustyShackleford
Mon May 06, 2019 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating charities, EDF ?!?
Replies: 5
Views: 331

Re: evaluating charities, EDF ?!?

Why don't you just concentrate your donations on the few you regard highly and are confident will use the money wisely? Adding more donees to your list means having less to donate to them... i.e robbing Peter to pay Paul. You know, I've heard of doing it that way - maybe that makes sense. Seems to ...
by RustyShackleford
Mon May 06, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: evaluating charities, EDF ?!?
Replies: 5
Views: 331

evaluating charities, EDF ?!?

I have a donor-advised fund. During the year, every time I get a piece of mail from a charity soliciting donations (and really, what other kind of mail do they send ?) I just throw it into a drawer. Then, once a year I grab the contents of the drawer and go through it, deciding what grants to make f...
by RustyShackleford
Mon May 06, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: virtual calling card ?
Replies: 8
Views: 704

Re: virtual calling card ?

I have used this site to get virtual calling cards for international calls, they also seem to have them for domestic: https://www.zaptel.com/ . You indicate where you are calling from/to and you get a list of various virtual card options and their associated rates. I have used this to reach relativ...
by RustyShackleford
Thu May 02, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: virtual calling card ?
Replies: 8
Views: 704

Re: virtual calling card ?

How does pay phones work now? I use google voice app to call any country in the world. I gave up with such services years ago and use free internet based services, on a computer, tablet, or smartphone. I should have been a little clearer. I like to travel in remote places out west where intermet/wi...
by RustyShackleford
Wed May 01, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: virtual calling card ?
Replies: 8
Views: 704

Re: virtual calling card ?

Google is your friend. As well as Amazon.com. Uh yeah, I know about google, actually. I was seeking recommendations, not just links. There are a lot of little wrinkles. For example, one I just looked at seemed nice, but then I found you can't use the 800 access number from pay phones (that's the wh...
by RustyShackleford
Wed May 01, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: virtual calling card ?
Replies: 8
Views: 704

virtual calling card ?

I solicit recommendations for a virtual calling card. This means there's not a physical item you carry around with you, it's just an 800 access number and a PIN. I've had an ATT one, and it's an eerily good product for that wretched company. Minutes are cheap, 6 cents or less depending upon how many...
by RustyShackleford
Sun Apr 28, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13795

Re: Tequila and Magaritas

Tamarind wrote:
Sun Apr 28, 2019 6:04 am
I do mean Cuervo's 100% product, but thanks for clarifying. I can't remember what it's called either but they label it pretty clearly.
I looked it up, Tradicional. It's ok, I think Cazadores is better, and as cheap or almost so.
by RustyShackleford
Sun Apr 28, 2019 12:10 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13795

Re: Tequila and Magaritas

The Jose Cuervo is a fine starting point for someone who doesn't know tequila. Not really, since it's not really tequila. It's not real tequila unless it says "100% blue agave" on the bottle. Unless you mean Cuervo's 100% product, I forget what it's called. Sorry to be snobbish, but perhaps the mos...
by RustyShackleford
Sat Apr 27, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13795

Re: Tequila and Magaritas

... I was recently turned onto Cazadores reposado tequila. Can get it for about $22 per 750ml bottle, and even our Sam's club liquor has it. About the best value ive found for tequila. I just like to sip it neat. I agree. It is THE value in tequila, around these parts at least. Used to be quite a b...
by RustyShackleford
Fri Apr 26, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13795

Re: Tequila and Magaritas

Anyone who compares tequila to gasoline is just being a dope. Probably got too drunk off of it (probably cheap stuff) in college and swore it off for life. In my opinion, tequila is second only to scotch whiskey in the variety and subtlety of flavors available. But I don't like scotch; tequila is my...
by RustyShackleford
Fri Apr 26, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: replacement for Airport Express for music
Replies: 19
Views: 1065

Re: replacement for Airport Express for music

If you already own the two Airport Express units, why do you care they're no longer mfg'd ? And if you need to add one, I'm sure there are plenty available on eBay.
by RustyShackleford
Tue Apr 16, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

Unforgiving, another Clint Eastwood movie. I definitely like the cinematography better here. You probably mean "Unforgiven" and yeah, it's a great one: https://www.imdb.com/title/tt0105695/ Yes, that’s the one. It tends to autocorrect to something I didn’t write. And it was late. I didn’t check it....
by RustyShackleford
Tue Apr 16, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

DrGoogle2017 wrote:
Sun Apr 14, 2019 11:44 pm
Unforgiving, another Clint Eastwood movie. I definitely like the cinematography better here.
You probably mean "Unforgiven" and yeah, it's a great one: https://www.imdb.com/title/tt0105695/
by RustyShackleford
Wed Apr 10, 2019 1:15 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130422

Re: [What TV Show Have You Recently Watched?]

IMO, TV in general is better done than most movies these days. Agree. And really, it's a little silly to consider them to be different art forms at this point. I'd wager the vast majority of "movies" (that is, moving pictures that are presented as a single installment of approximately 2 hours in le...
by RustyShackleford
Sat Apr 06, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

Trader Joe wrote:
Sat Apr 06, 2019 7:45 pm
The last movie that I watched was Titanic (1997)
How come ?
by RustyShackleford
Fri Apr 05, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

Jeff Albertson wrote:
Thu Apr 04, 2019 7:45 pm
Swearengen is back! (May 31 on HBO) Deadwood: The Movie
I'll put it on my _______ calendar, ____ ______.

I couldn't tell whether you have to watch the broadcast, or whether you'll be able to stream it with HBONow right away on May 31.
by RustyShackleford
Thu Mar 28, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130422

Re: [What TV Show Have You Recently Watched?]

That was literally the first time I heard anybody suggest season 2 was even watchable. I am liking season 3 quite a bit; my wife was turned off because of the slow pace so she read the synopsis. I don't know how anybody could say season 1 was boring; but to each their own. Certainly all three seaso...
by RustyShackleford
Thu Mar 28, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130422

Re: [What TV Show Have You Recently Watched?]

You can't match season 1 for the characters, but in terms of story and pace, I'd give season 3 the edge. Very well done, and a nice recovery from the cluster bomb of season 2. I beg to strenuously disagree. I liked Season 1 when I first saw it, but really, it's just Matthew whats-his-face droning o...
by RustyShackleford
Wed Mar 27, 2019 6:13 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130422

Re: [What TV Show Have You Recently Watched?]

Fun to watch "Combat!", the early/mid-60s drama following a squad of American infantry fighting in France after D-Day. It is all available on Youtube. A number of the early episodes were directed by Robert Altman. And there's a lot of German and French spoken, without subtitles, which is interesting...
by RustyShackleford
Wed Mar 27, 2019 6:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

If you want to get really depressed, watch "Revolutionary Road". About a marriage gone bad. More than one marriage actually, and the last scene is devastating. Good acting, and Michael Shannon is great as usual.
by RustyShackleford
Wed Mar 27, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

American Animals: A really interesting character study about a robbery gone wrong and it utilizes a novel approach to tell the story. It was a great movie, but the last half hour wasn't as good and turns it into just a good movie. I liked it too. A very novel approach as you say; for the first part...
by RustyShackleford
Mon Mar 11, 2019 1:19 pm
Forum: Investing - Theory, News & General
Topic: Charles Schwab Experiences?
Replies: 101
Views: 16970

Re: Charles Schwab Experiences?

Trader Joe wrote:
Fri Mar 08, 2019 9:58 pm
Seriously, avoid Schwab. Use Vanguard or Fidelity.
Why ? How ridiculous, to make such a comment with no explanation. And I search your previous posts with keyword Schwab, and you say generally favorable things.
by RustyShackleford
Mon Feb 25, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed health insurance deduction
Replies: 6
Views: 762

Re: self-employed health insurance deduction

And for Jan & Feb, can only deduct Medicare, since it seems clear that my Medicare Advantage is "employer subsidized". However, a respondent at a google-group states that "Any retiree health insurance benefit you receive or may be eligible for does not disqualify you from taking a deduction", which...
by RustyShackleford
Fri Feb 22, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed health insurance deduction
Replies: 6
Views: 762

Re: self-employed health insurance deduction

Called spouse's health insurance company; they say I can (and could've in 2018) have joined her policy and they had no requirement that I stay on Medicare. Called Medicare and they say I could suspend for as long as I'm on spouse's policy (and not pay the premiums). So I believe I'm SOL from month o...
by RustyShackleford
Thu Feb 21, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed health insurance deduction
Replies: 6
Views: 762

Re: self-employed health insurance deduction

1. Are my Medicare B premiums considered to be for a "subsidized group health plan through employer" (which is disqualifying for SEHID) since they are required as part of my employer-sponsored retiree Medicare Advantage plan? No, there is even a special memorandum that a spouse's Medicare premiums ...
by RustyShackleford
Thu Feb 21, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed health insurance deduction
Replies: 6
Views: 762

Re: self-employed health insurance deduction

The self-employed health-insurance deduction is always month-by-month and limited to 2018 Form 1040 Schedule 1 Line 12 (business profit) - Line 27 (1/2 SE tax) - Line 28 (deductible employer retirement plan deductible contributions). Thanks, but I understand all that - and I don't want to bother wi...
by RustyShackleford
Thu Feb 21, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: self-employed health insurance deduction
Replies: 6
Views: 762

self-employed health insurance deduction

I am deeply confused about the self-employed health-insurance deduction (SEHID). I am retired but with a little self-employment income from consulting. I am on a Medicare Advantage plan through my former employer, for which I pay some of the premium, and I'm also required to pay the Medicare part B ...
by RustyShackleford
Sun Feb 17, 2019 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: how difficult is Form 1116 (foreign tax credit)
Replies: 13
Views: 1202

Re: how difficult is Form 1116 (foreign tax credit)

Working on this year's taxes - in particular, looking at married filing separately versus jointly for the first time - is focusing my thoughts. Sure, Form 1116 is vary little effort if you're just dealing with mutual funds/ETFs, since you can aggregate the foreign countries as "RIC". The bigger issu...
by RustyShackleford
Wed Feb 13, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 45
Views: 3504

Re: Schwab to Vanguard ?

If at all this is of concern, the Schwab Android app is much better than Vanguard's. It's fast, snappy, and very usable, whereas Vanguard's is so unresponsive and poorly designed that it leads to frustration each time I use it. Schwab's IT is the best. As is their customer service. Yeah, Vanguard i...
by RustyShackleford
Wed Jan 30, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax cannot import Vanguard 1099
Replies: 39
Views: 2914

Re: TurboTax cannot import Vanguard 1099

Does anyone else have similar problem with Turbotax importing Vanguard 1099? My 1099s (tax year 2018) are available at Vanguard, but Turbotax cannot import the data. Mutual funds or brokerage accounts? Not available yet for brokerage accounts. Another one of the several disadvantages of the suppose...
by RustyShackleford
Mon Jan 28, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Yield difference between total bond and MMF less than 1%
Replies: 94
Views: 6685

Re: Yield difference between total bond and MMF less than 1%

5% real yields on TIPS ?!? Gimminee crickets, even during the great recession they were only about 4%. Are you folks expecting higher TIPS yields than the 1% or so we're seeing now, soon ? I have some Roth CDs maturing soon and am looking to re-deploy those monies. I feel like high inflation is the ...
by RustyShackleford
Fri Jan 25, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Yield difference between total bond and MMF less than 1%
Replies: 94
Views: 6685

Re: Yield difference between total bond and MMF less than 1%

Lately one of my criteria has been that the CDs be better than TIPS, according to my own evaluation. When I had some money to invest in Jan, I aimed for at least 3.3 or 3.4% on CDs because TIPS were ~1% and I used around 2.2-2.4% as expected inflation. Since the spread between nominal treasuries an...
by RustyShackleford
Thu Jan 24, 2019 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Large Cash Deposit - Tax Issues?
Replies: 18
Views: 4233

Re: Large Cash Deposit - Tax Issues?

Why not just shift to doing a lot of her spending using the cash - sounds like it's relatively safe in a safe - with a several thousand deposit every so often. Seems like, depending on her spending, that it could take care of things in a few years.
by RustyShackleford
Fri Jan 18, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 45
Views: 3504

Re: Schwab to Vanguard ?

If at all this is of concern, the Schwab Android app is much better than Vanguard's. It's fast, snappy, and very usable, whereas Vanguard's is so unresponsive and poorly designed that it leads to frustration each time I use it. Schwab's IT is the best. As is their customer service. Yeah, Vanguard i...
by RustyShackleford
Mon Jan 14, 2019 2:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 192
Views: 47475

Re: Vanguard has switched to brokerage only accounts

If you want a year to date transaction report go to Account Activity > Transaction History > Download That's what I do, and did even before the switch to a brokerage account. Not so much YTD as for the previous year - so I have a file for each year in my records). One little sign of how much better...
by RustyShackleford
Tue Jan 08, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130422

Re: [What TV Show Have You Recently Watched?]

Has "Babylon, Berlin" been mentioned ? Fabulous.
by RustyShackleford
Tue Jan 08, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130422

Re: [What TV Show Have You Recently Watched?]

Dead Man Walking wrote:
Tue Jan 08, 2019 2:09 am
In the same genre, the miniseries The Little Drummer Girl on AMC was a great adaptation of John Le Carre's novel. Another strong heroine is the main character.
Yes, perhaps the best LeCarre adaptation that I've seen, with possible exception of Tinker Tailer movie with Gary Oldham.
by RustyShackleford
Mon Jan 07, 2019 10:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4509
Views: 1162920

Re: What Movie Have You Recently Watched?

Old and a 2-hour miniseries, not a "movie", but ... "The Russian German War", on Prime video. Very crude, apparently dubbed from VHS. But every SECOND is contemporaneous footage and it's great. If you're into that sort of thing. Good to be reminded who did the majority of the heavy lifting when it c...
by RustyShackleford
Mon Jan 07, 2019 8:51 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 371
Views: 40313

Re: Northwest FCU 3-year 3.04% Add-On CD

adrift wrote:
Mon Jan 07, 2019 6:26 pm
First, these CDs were quirky. You could only initially fund them with $15K and then add more later up to $100K ...
Yep, looking over my bank records, I think something similar happened with mine.
by RustyShackleford
Mon Jan 07, 2019 3:30 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 371
Views: 40313

Re: Northwest FCU 3-year 3.04% Add-On CD

Yeah, definitely some days elapsed; see the earlier posts in this thread about the agonies people went through to get their funds to NWFCU. I guess it depends on if the CD was opened when the account was, or only after the money arrived. I'm not gonna lose sleep over $30 anyhow, just curious. I wen...
by RustyShackleford
Mon Jan 07, 2019 2:15 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 371
Views: 40313

Re: Northwest FCU 3-year 3.04% Add-On CD

I suspect that it took a few days from when you opened the account and when the money you used to fund the CD arrived in the CD. If so, you were not accumulating interest on those days. Yeah, definitely some days elapsed; see the earlier posts in this thread about the agonies people went through to...
by RustyShackleford
Mon Jan 07, 2019 2:13 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 371
Views: 40313

Re: Northwest FCU 3-year 3.04% Add-On CD

Could it be the actual rate was a few basis points less than 3.04% and 3.04% is the APY, which includes the compounding interest? The actual rate (APR) is exactly 3% and the APY is slightly over 3.04%. Mathematically e^APR = 1+APY (which 'e' is the base of the natural logarithm); this would be for ...
by RustyShackleford
Sun Jan 06, 2019 10:58 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 371
Views: 40313

Re: Northwest FCU 3-year 3.04% Add-On CD

I checked the math on my matured CD, and something seems wrong. I deposited $35,000; so after 3 years at 3.04% APY, seems like the final amount should've been: 35000 * 1.0304^3 = 38290.02 But my matured CD was $38263.58 Or taking more digits of the APY equivalent of 3% APR, the APY is 3.04545, and t...
by RustyShackleford
Sat Jan 05, 2019 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 40966

Re: TurboTax Prices

Hate to say it, but there's almost a 100% chance that you're using pirated software ... This is a legal question I suppose, but to what extent is it my responsibility to determine if the software I bought (in good faith, originally from this 3rd-party seller on Amazon) is pirated or not ? Or, put a...
by RustyShackleford
Sat Jan 05, 2019 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 45
Views: 3504

Re: Schwab to Vanguard ?

TD funds a Schwab utilize auto sweep for their cash into SVUXX which is even better 2.48. Not quite parsing this sentence. It appears the minimum investment is $1 million. And it's not auto-sweep, at least at Schwab. What do you mean by 'TD' ? https://www.schwab.com/public/schwab/investing/accounts...
by RustyShackleford
Fri Jan 04, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 40966

Re: TurboTax Prices

I have a bizarrely great deal ... Is it a sealed box or just the CD? He could be buying it for himself and then reselling it. Pretty sure I'm far from the only customer. Plus, he offers all versions. Plus, this year I asked for a link, not a disc, because I need to install it on my MacBook, because...
by RustyShackleford
Thu Jan 03, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 40966

Re: TurboTax Prices

I have a bizarrely great deal. Maybe 12 years ago, searching for a good price, I came across one at Amazon from a 3rd party seller named Jeff. Every year since, he sends me an email saying to reply "hit me again" if I want to re-up. The prices are remarkable: this past year, I paid $34.95 for Premie...