Search found 56 matches

by EZ James
Sun Oct 14, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2442

Re: Bank lost beneficiary paperwork, says must go through probate

2015: Thankfully I had both paper and digital copies. The bank did not care but it supported my request for a court order.
by EZ James
Sat Oct 13, 2018 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2442

Re: Bank lost beneficiary paperwork, says must go through probate

As executor I had a problem with removal of a beneficiary from a POD on file with an online bank. This was for a CD worth $27k. My proof was my record of a Faxed bank form having been successfully transmitted while I was POA before the owner died. Despite endless dialogue with various workers and ma...
by EZ James
Tue Sep 25, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1795

Re: Electric Shaver/Beard Trimmer

If you want to replace the batteries yourself this You Tube link shows the details. You'd need soldering gear and a T8 screwdriver.

https://www.youtube.com/watch?v=GmeKo4xM-5E
by EZ James
Tue Sep 25, 2018 6:25 am
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1466

Re: Does health insurance cover hearing aids

I have low-option insurance with GEHA and asked if they would pay anything for HAs purchased at Costco. The answer was they would pay up to $2500 per 3 yr period. I picked up the hardware a few days ago and the total was a bit under $3k but the improvement in my hearing was enough that I would have ...
by EZ James
Sat Sep 22, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Buying Put Options on the S&P 500
Replies: 22
Views: 2111

Re: Buying Put Options on the S&P 500

I can't find the source but I recall reading back in the mid-nineties about the Getty Foundation losing $500M on portfolio insurance. The board of directors was convinced the market was about to dump and bought "insurance" which I assumed to be puts on the index. Things went against them.
by EZ James
Fri Apr 13, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Picture duplicates on hard drive
Replies: 8
Views: 833

Re: Picture duplicates on hard drive

+1 for Duplicate Cleaner. I use the pro version and find it versatile and easy to use.
by EZ James
Fri Apr 06, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Swedroe: Look Beyond 60/40 Portfolio
Replies: 237
Views: 18055

Re: Swedroe: Look Beyond 60/40 Portfolio

Munir: I'd like to see such a section for us oldsters.
by EZ James
Wed Apr 04, 2018 3:32 am
Forum: Investing - Help with Personal Investments
Topic: Suspected Quicken Bug on Capital Gains
Replies: 6
Views: 959

Re: Suspected Quicken Bug on Capital Gains

I checked my Vgd statement and see that no transactions are listed on or near the date of the money market cap gains. The Quicken reportlisted 3, all negative and about $100 each. As far as Quicken arithmetic errors go, I don't know the current situation but they certainly had errors in the past tha...
by EZ James
Tue Apr 03, 2018 3:25 am
Forum: Investing - Help with Personal Investments
Topic: Suspected Quicken Bug on Capital Gains
Replies: 6
Views: 959

Re: Suspected Quicken Bug on Capital Gains

I agree there are a lot of details that can go awry but in this case I sold 100 % of the holdings and let Vanguard and Quicken do all the work. I did no editing after the download was inserted into the register. But even if there were errors I would be amazed if the value of the settlement fund shar...
by EZ James
Mon Apr 02, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Suspected Quicken Bug on Capital Gains
Replies: 6
Views: 959

Suspected Quicken Bug on Capital Gains

I normally use the Quicken tax summary report this time of year but not the capital gains report as I rarely trade. But I did make a few trades last year to simplify my portfolio so I needed to use the cap gains report. Imagine my surprise when the report told me I had several hundred bucks capital ...
by EZ James
Thu Mar 22, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 10626

Re: I’m looking for a word...

Entropy?
by EZ James
Mon Dec 25, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Samsung J3 or J7
Replies: 21
Views: 1756

Re: Samsung J3 or J7

The iPhone SE is a powerful phone in a small package. You can get it for $160 at Tracfone and pay $6.70/month for light use. You can have it unlocked after one year of activation. I am gifting my iPhone 6s Plus in favor of the SE trading small size for a minor (to me) reduction in features.
by EZ James
Mon Nov 13, 2017 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 31657

Re: Why pay cash for a car?

In September my dealer was offering the choice of financing at over 5% or a discount and a factory incentive. The actual rate could have been higher or lower depending on term and amount financed but the details were too boring and tricky to pique my interest. Last month I bought a 2017 Toyota from ...
by EZ James
Fri Oct 27, 2017 5:27 am
Forum: Personal Consumer Issues
Topic: Fix or replace my vehicle
Replies: 33
Views: 2043

Re: Fix or replace my vehicle

I would get rid of it in a heartbeat because there is more at stake than money in my case. This week I traded in a 2010 Toyota Matrix in pristine condition and only 26 K miles. The reasons to justify this are that the Matrix had huge blind spots from the side mirrors and inadequate sun visor coverag...
by EZ James
Mon Oct 02, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 3029

Re: Phone Techies .....

"I'd love to read what you've heard. I have a 5, but I could wait 6 months for an updated SE before I make my decision."

Just this link from a message above:

"Well, it is possible for an update on the SE: http://www.macworld.co.uk/news/iphone/n ... 7-3500611/
by EZ James
Mon Oct 02, 2017 4:51 am
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 32
Views: 3029

Re: Phone Techies .....

I have an iPhone 6s + which is I like very much but I plan to gift and I also wanted something smaller to tide me over for awhile. The iPhone X is smaller but not yet available and terribly pricey. I very, very rarely use a cell phone for phone calls due to my extreme hearing loss but its improved c...
by EZ James
Mon Sep 04, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 5155

Re: repairman broke washing machine, what would you do?

I bought my Maytag washer 34 yrs ago and never had a problem. I can't remember ever changing the hoses. Its in a garage so no damage will occur if it leaks. Water is costly though:(
by EZ James
Mon Sep 04, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: RFID wallet?
Replies: 28
Views: 3817

Re: RFID wallet?

Many of you have seen videos that demonstrate how certain information can be sniffed from an RFID credit card. Maybe these notes will help you decide if it’s worth worrying about. Please advise me of any errors in my casual findings presented here. I just noticed the RFID symbol on my Costco Anywher...
by EZ James
Mon Aug 28, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: Windows 10 WIFI keeps randomly disconnecting - help!
Replies: 17
Views: 2340

Re: Windows 10 WIFI keeps randomly disconnecting - help!

I have not used INSSIDER for awhile and was unaware of the latest Windows version now costing. But they do give a free trial. The last free version is 3.1.2.1 and can be downloaded here: https://www.techspot.com/downloads/5936-inssider.html It does run on Windows 10. Version 4.3.10 is also available...
by EZ James
Mon Aug 28, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Windows 10 WIFI keeps randomly disconnecting - help!
Replies: 17
Views: 2340

Re: Windows 10 WIFI keeps randomly disconnecting - help!

I would suggest downloading INSSIDER to check for adjacent channel interference on the wifi. The Windows version is free.

Also if you have a wireless keyboard and mouse you can eliminate those potential sources of interference by temporarily switching to corded devices.
by EZ James
Sun Jul 30, 2017 2:11 am
Forum: Personal Finance (Not Investing)
Topic: Best bank for frequent travel friendly international wire transfers?
Replies: 10
Views: 1231

Re: Best bank for frequent travel friendly international wire transfers?

For transfers under the monthly limits of $2,999 I use Western Union for $2.99 or Lucky Money for $3.99. The latter will give door-to-door service in many areas for no extra fee. In 2014 I made 80 wire transfers over a one or two month period through Citibank. Each transfer was $10,000 to $11,000. T...
by EZ James
Wed Jun 28, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: How does a POD CD actually work when the owner dies
Replies: 19
Views: 5456

Re: How does a POD CD actually work when the owner dies

The bank or credit union will want a copy of the death certificate. If the beneficiary is not a family member, how would they obtain the certificate? I suppose the executor of the estate would provide that to the bank but there may not be an executor. It could be a long wait before the funds are eve...
by EZ James
Wed Jun 28, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 8444

Re: Unable to Escape from Quicken Island ...

I am a long-time Quicken user. IIRC many years ago Quicken admitted to problems with QIF files, especially if they involved transfers. I think the plan was to not encourage it's use but to keep it available. I am using the 2017 Premier version on Windows 10 and am impressed with the new investment t...
by EZ James
Sat Jun 03, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Heir died before receiving full share due
Replies: 11
Views: 3392

Re: Heir died before receiving full share due

I now have a copy of the deceased heir’s will and had my filipina companion translate. That basically agrees with what I got from Google Translate. The will was dictated by the deceased to his then 15 year old (now 17) son who wrote it in his hand, signed with thumbprints and witnessed by two people...
by EZ James
Tue May 23, 2017 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Heir died before receiving full share due
Replies: 11
Views: 3392

Re: Heir died before receiving full share due

This is a weird situation that seems to justify a weird solution. More background: The amount to disburse is roughly $2k. Far less than the cost of hiring a qualified person to travel to the Philippines and (try to) iron things out. Before beginning distribution I asked the state BAR for the name of...
by EZ James
Tue May 23, 2017 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Heir died before receiving full share due
Replies: 11
Views: 3392

Re: Heir died before receiving full share due

Yes to paraphrase, the will stipulates that the beneficiary must outlive the decedent by 90 days or the residue goes to the offspring. This is not in the Settlement Order but that order does link back to the will. He outlived the decedent more than a year so I appear to be OK with giving the money t...
by EZ James
Mon May 22, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Heir died before receiving full share due
Replies: 11
Views: 3392

Heir died before receiving full share due

Hello, As executor of an estate I am making final disbursements to heirs in the Philippines. One heir died before receiving his full share. He was never married but has three children that were living with him. I don't think any of them speak English and suspect one may be illiterate as was their fa...
by EZ James
Thu May 11, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: any concern about keeping large amount of cash at Vanguard
Replies: 24
Views: 3724

Re: any concern about keeping large amount of cash at Vanguard

You might consider the Treasury Money Market Fund (VUSXX) It's 100% T-bills.
by EZ James
Sun Feb 19, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: Dashcam recommendations
Replies: 26
Views: 4593

Re: Dashcam recommendations

I purchased a Cobra CDR820 Ultra compact dashcam on sale for $30. The camera works fine but there are a couple issues that will cause me to return it. There is no practical and legal place to mount it my car under California law. They allow you a 5 in square on the lower-left, a 5 in square on the u...
by EZ James
Wed Feb 15, 2017 6:44 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 5507

Re: I want to ditch the cable company's modem

I also use the Motorola/Arris 6141 with TWC (Spectrum) and it's been on over 2 years with no problems. You might also consider getting a digital phone adapter to replace your landline. I use an Obihai 200 and have not received a telemarketer or robo call since installing it. The downside is that it ...
by EZ James
Tue Jan 24, 2017 5:08 am
Forum: Personal Consumer Issues
Topic: What is a good laptop to buy?
Replies: 90
Views: 9882

Re: What is a good laptop to buy?

The most important issue IMO is to get the computer that will run the software you want to run. I am retired but do my personal work on a fast self-built windows machine. I have two laptops as well. The first is a Macbook Air 11.6” (mid 2012 model) and the other is a Dell 13 I5-7378 purchased a mont...
by EZ James
Tue Jan 10, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for asset protection for 70+yr old inlaws, one with advancing dementia
Replies: 13
Views: 1563

Re: Advice for asset protection for 70+yr old inlaws, one with advancing dementia

Washington Department of Licensing has a form you can submit to report a driver you know is no longer able to operate a vehicle safely. The California DMV also has a way of doing this. Their respective web sites have the details.

EZ
by EZ James
Wed Dec 21, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: White Spot on TV - Caused by Router?
Replies: 22
Views: 2264

Re: White Spot on TV - Caused by Router?

I suggest you either turn off the router or remove the Ethernet cable from the router and turn on the TV in a setup mode that gives a uniform dark background color in the problem area. If the spot remains, the router is not at fault. If the spot is not present, try connecting the cable to different ...
by EZ James
Sun Nov 20, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken Worth it?
Replies: 58
Views: 13409

Re: Is Quicken Worth it?

It's worth it to me. Been using it since the DOS versions and now have the 2017 Premier version ($75 at Costco online). It' no longer an Intuit product so I did not know what to expect in the way of changes. The UI seems better to me but I can't put my finger on why without having both versions runn...
by EZ James
Mon Nov 07, 2016 2:08 am
Forum: Personal Consumer Issues
Topic: Prius Prime Looks Interesting...Price is Very Attractive
Replies: 28
Views: 6656

Re: Prius Prime Looks Interesting...Price is Very Attractive

Not trying to hijack the subject but this is something that might figure into your calculations. Certain models of the 2017 Prius are subject to the airbag recall. Ref: http://toyotanews.pressroom.toyota.com/section_display.cfm?section_id=639 I have an older Toyota also subject to the recall and Toy...
by EZ James
Mon Aug 01, 2016 6:30 pm
Forum: Personal Consumer Issues
Topic: Should I flip my neighbor's house to save the neighborhood?
Replies: 72
Views: 8829

Re: Should I flip my neighbor's house to save the neighborhood?

Hazardous materials problems you might have to deal with: A house that old will have lead and asbestos issues that will increase the renovation cost if handled correctly. Mold could be an issue. Worse yet would be if the former occupants were cooking meth. I have read of houses that had to be demoli...
by EZ James
Wed Apr 27, 2016 3:34 pm
Forum: Personal Consumer Issues
Topic: fairly new router keeps checking out, get a new one?
Replies: 22
Views: 2104

Re: fairly new router keeps checking out, get a new one?

Adjacent sub-channel interference is a possibility. A wifi utility such as InSSIDer should show if you have strong signals close to the channels you are using. Changing sub-channels might give improvement.

EZ
by EZ James
Wed Apr 20, 2016 2:19 am
Forum: Personal Consumer Issues
Topic: Inexpensive place to fax from?
Replies: 11
Views: 1424

Re: Inexpensive place to fax from?

I have sent and received many international faxes for free using a $60 printer that includes scanning and FAX capability. The phone connection is free because I use a digital adapter (Obihai) connected through Google Voice. The incoming FAXES can go to a flash drive, the printer or both.
by EZ James
Mon Dec 07, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: Reading BH Posts on an iPhone 6S Plus
Replies: 5
Views: 732

Reading BH Posts on an iPhone 6S Plus

I just purchased an iPhone 6s Plus to use mainly as an iPad replacement. The results are excellent for the most part. But one difference is noticeable when reading forum posts. The post body is well-formatted and easy to read but the information in the right-hand column (# of posts, join date & avat...
by EZ James
Tue Dec 01, 2015 5:10 pm
Forum: Personal Consumer Issues
Topic: Iphone 6S case
Replies: 21
Views: 2721

Re: Iphone 6S case

I got an iPhone 6S Plus two weeks ago and have looked at many cases including all mentioned above. None of them completely met my desires and many of them conflict with what Apple requires or recommends. I thought I found exactly what I wanted in a wallet case but learned that it was laden with magn...
by EZ James
Wed Feb 25, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 6289

Re: help me speed up my computer

Your overall WEI score is the lowest of the subscores. Probably the graphics subscore is the lowest and they suggest turning off windows aero to improve that. But it will still not be up to what you could have with a more modern system. Your computer has good specs for it's age but it's quite old in...
by EZ James
Wed Feb 25, 2015 6:56 am
Forum: Personal Consumer Issues
Topic: external hard drive - Windows 8 - need assitance
Replies: 20
Views: 2270

Re: external hard drive - Windows 8 - need assitance

Some usb drives require more current than a single usb port can provide. They will have provisions for an external d-c power supply in some cases, in others they require a usb cable with two inputs in parallel tied to the end that goes to the drive. Also, a usb2 port cannot source as much current as...
by EZ James
Thu Jan 29, 2015 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Bring USD to Louisiana USA from Philippines
Replies: 19
Views: 2689

Re: Bring USD to Louisiana USA from Philippines

The details of your prospective wire transfer are not clear to me and this information may not apply to your case but I will mention the problem I encountered last year in wiring money from the US to Philippine banks. The banks would only accept incoming wires of 500,000 PhP or less which is less th...
by EZ James
Tue Dec 09, 2014 3:45 am
Forum: Personal Finance (Not Investing)
Topic: Executor has problem with court order vs tax reporting
Replies: 7
Views: 1223

Re: Executor has problem with court order vs tax reporting

Celia: I apparently was wrong in assuming all distributions must be made before the final tax return. That fixes the catch-22 situation I thought I had. Thank you very much. The estate earned nearly a thousand dollars this year and I think I must file for anything over $650 if memory serves. Next ye...
by EZ James
Sun Dec 07, 2014 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Executor has problem with court order vs tax reporting
Replies: 7
Views: 1223

Re: Executor has problem with court order vs tax reporting

Correction: I filed form 1040 for the decedent AND form 1041 for the estate in 2012 as well as form 1041 for the estate in 2013.

I am not sure if they allow three filings of form 1041.
by EZ James
Sun Dec 07, 2014 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Executor has problem with court order vs tax reporting
Replies: 7
Views: 1223

Executor has problem with court order vs tax reporting

Hello Bogleheads, I seem to have a catch-22 situation acting as executor of my late mate's estate. The court order to settle the estate says that I am allowed to retain $20k for tax purposes and the residue from that is to be distributed to the heirs. I filed form 1040 in 2012, the year of death, an...
by EZ James
Tue Oct 28, 2014 3:11 am
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 2844

Re: Donee Unable to Accept Stock

Thank you all for the additional information. I discovered the VanguardCharitable.org site earlier today and skimmed through it. The procedures and constraints make me uneasy but It looks likes something I can do if I decide to go that route. The suggestion to donate a small amount to test the syste...
by EZ James
Mon Oct 27, 2014 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 2844

Re: Donee Unable to Accept Stock

Thank you very much patriciamgr2 and lazyday. I am relieved to hear that Vanguard can probably accomplish what I want. Its 0400 hrs here so I will pursue the issue with Vanguard again tomorrow. My hearing is impaired and that caused me to miss part of what the rep said. But I did ask him if the conc...
by EZ James
Mon Oct 27, 2014 4:08 am
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 2844

Donee Unable to Accept Stock

I will be getting a windfall of 23K this year or next at my option. I also want to donate approximately that amount to a specific county library. To protect myself from the tax on the windfall I would like to donate stock that is worth about $24k and in which my cost basis is $2.4k so the numbers wo...
by EZ James
Mon Jul 21, 2014 4:36 pm
Forum: Personal Consumer Issues
Topic: Computer Problem
Replies: 16
Views: 2462

Re: Computer Problem

Chaz, A new computer running Windows MIGHT possibly have the same problem for several reasons. First of all, there are so many combinations of operating conditions and customer-attached hardware that a manufacturer could not test them all before the new product gets to production. So 100% testing is...