Search found 649 matches

by dual
Sun Apr 26, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Pls Share your favorite kindle unlimited books
Replies: 1
Views: 342

Re: Pls Share your favorite kindle unlimited books

For some reason I have been reading a lot of SHTF books recently :shock: and there are a lot of them on KUnlimited. Here are some good ones: THE JAKARTA PANDEMIC by Steven Konkoly. Imagines an ex-military drug company rep and his family going through a flu pandemic in Maine. it rapidly devolves into...
by dual
Sun Mar 29, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8522

Re: IRS Suspends RMD

dual , Do you still need a reference? Since you referred to several sentences, it is impossible to tell which part(s) are unsure to you. The IRS will not have something like this in its instructions. It is partly explained by how “RMD”, “QCD”, “2020 RMD waived” are defined and how they can interact...
by dual
Sun Mar 29, 2020 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs May Not Be Required for 2020
Replies: 135
Views: 8522

Re: IRS Suspends RMD

Yes, still count. You can do a QCD as part of your RMD or separately. In fact, those who will start RMDs at 72 will have either one or two tax years prior to RMDs in which they can do a QCD, which is still allowed at 70.5. 2020 will function like one of those years. Please provide a reference for t...
by dual
Mon Mar 16, 2020 12:46 pm
Forum: Personal Consumer Issues
Topic: Have you been personally affected by supply chain problems?
Replies: 56
Views: 3743

Re: Have you been personally affected by supply chain problems?

I have NOT been affected. I ordered a pair of prescription eyeglasses from Goggles4u on Mar. 2. This a small outfit with a 3 person office in CA and their glasses are manufactured in China. The post office says they will be delivered today. This 2 week turnaround is about the same as I have gotten i...
by dual
Sun Mar 08, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Retirement in AZ-suggestions please
Replies: 104
Views: 7143

Re: Retirement in AZ-suggestions please

An issue not mentioned is acclimation to high altitude. I have trouble with it and do not get used to it. Before you move to Flagstaff ~7000 ft altitude you definitely need to visit for an extended time to see how you feel. Even Sedona (~4300 ft) may affect you if you have lived at sea level in CA f...
by dual
Sat Feb 08, 2020 1:47 am
Forum: Personal Consumer Issues
Topic: NY Solar Farms- Scam?
Replies: 33
Views: 3733

Re: NY Solar Farms- Scam?

Solar energy is a complex field with rapidly changing technology that can make huge investments obsolete. See this Jan. 6, 2020 article from Bloomberg Businessweek: https://www.bloomberg.com/news/articles/2020-01-06/a-1-billion-solar-plant-was-obsolete-before-it-ever-went-online SolarReserve’s Cresc...
by dual
Tue Jan 28, 2020 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: IRS PIN 2019
Replies: 4
Views: 747

Re: IRS PIN 2019

The website is now up. I got my 2019 PIN.
by dual
Mon Jan 27, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Sell home or keep as rental?
Replies: 22
Views: 1124

Re: Sell home or keep as rental?

Now is not a good time for rental property. Many states such as California and Oregon have instituted onerous rent control laws and other regulations. For example, here in the Frisco Bay area many cities do not allow property owners to get background checks on prospective tenants. There is rampant s...
by dual
Sun Jan 19, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare
Replies: 166
Views: 17044

Re: My 60 y/o parents have basically 0 for retirement & will have no SS/Medicare

The money from the LLC has paid their bills over the years. This should have been reported as income to one or both of your parents. Declaring your parents' expenses as LLC expenses is a big tax problem. If the LLC paid taxes in its income, your parents might be able to go back and file amended ret...
by dual
Sat Jan 18, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block deluxe tax+state+fed efile: $20 at Amazon
Replies: 12
Views: 1660

H&R Block deluxe tax+state+fed efile: $20 at Amazon

https://www.amazon.com/Block-Software-D ... B07YH24MYL

Deal has been up since yesterday so snooze and you lose

edit: 1/20/20 2148 PST deal is dead. Hope you got yours :wink:
by dual
Tue Jan 14, 2020 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Capitol losses in TurboTax deluxe ?
Replies: 3
Views: 237

Re: Capitol losses in TurboTax deluxe ?

Turbotax deluxe handles the sale of stock. You just need to enter the information from the 1099-B from your broker. I use forms mode, ctrl-2 but (I think) you can also use the question and answer approach. Or better yet, Turbotax can automatically download the information from many large brokers lik...
by dual
Fri Jan 10, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: At what point do you donate/trash/sell/gift your junk?
Replies: 75
Views: 4871

Re: At what point do you donate/trash/sell/gift your junk?

I just finished reading The Gentle Art of Swedish Death Cleaning, by Margareta Magnusson. The book is mainly motivation for de-cluttering with some practical tips. As for motivation, she writes of her experience cleaning up after the death of relatives, and I paraphrase,"I have cleaned up after thre...
by dual
Thu Jan 09, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRS PIN 2019
Replies: 4
Views: 747

Re: IRS PIN 2019

Did you use the "Get an IP PIN" online tool? That has been down for at least 6 weeks. Still down as of Jan 9, 2020 This service will be unavailable due to system maintenance. We apologize for any inconvenience. If more information is available, you can find it by selecting the service from the Tool...
by dual
Thu Jan 02, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: Investing or Speculation?
Replies: 59
Views: 3836

Re: Are You Investing or Speculating?

Why stop there? Let’s also declare that betting on which market (domestic, intl. developed, emerging) will outperform is also speculating. Yes. Everyone who isn't buying Vanguard Total World Stock or who doesn't have a 55/45 US/international allocation today is totally speculating aswell. Why not j...
by dual
Tue Dec 31, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: System for navigating prescription pricing?
Replies: 11
Views: 831

Re: System for navigating prescription pricing?

Several posters have mentioned transferring their prescriptions to another pharmacy after a doctor sends it to a first pharmacy. I am very interested in this since my doctors only send a prescription electronically to a single pharmacy and I have been stuck with its price. Please describe the transf...
by dual
Mon Dec 30, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Have you switched from Android to iPhone? What were the pluses and minuses?
Replies: 51
Views: 4472

Re: Have you switched from Android to iPhone? What were the pluses and minuses?

No one has mentioned the 35% "Apple tax" for online purchases on iOS devices. I buy a lot ebooks and it is a PITA that I cannot buy them on the Kindle app since Amazon will not pay the tax. I have to switch to a browser to buy the book.
by dual
Fri Dec 20, 2019 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to 401(k) and IRAs, SECURE Act - It's signed
Replies: 292
Views: 23300

Re: Age for first RMD

Clamshell wrote:
Fri Dec 20, 2019 1:15 pm
Great news.
Agreed. With longer expected lifetimes, this change is long overdue. It will certainly affect my calculations as 2 years of tax-deferred compounding can pay for a lot of federal taxes particularly if I move to a lower tax state.
by dual
Fri Dec 13, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6714

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

Why are the capital gain distributions for the Fidelity total market fund much larger than the distributions for the Vanguard total market fund?
by dual
Mon Dec 02, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Help Poor Families at the Holiday Season?
Replies: 43
Views: 2955

Re: Best Ways to Help Poor Families at the Holiday Season?

Yes - I do agree that many folks need such help during the entire year - not just at the holidays. One of the best ways to support needy families is to find a way for their children to get a better education. There are many threads on BH where people are looking into buying homes in areas with good...
by dual
Mon Dec 02, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Help Poor Families at the Holiday Season?
Replies: 43
Views: 2955

Re: Best Ways to Help Poor Families at the Holiday Season?

Yes - I do agree that many folks need such help during the entire year - not just at the holidays. One of the best ways to support needy families is to find a way for their children to get a better education. There are many threads on BH where people are looking into buying homes in areas with good...
by dual
Sat Nov 09, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37437

Re: Turbotax 2019 on Amazon

Fidelity usually provides free downloads of Turbotax to its clients around mid December. Their criteria to receive the freebie are somewhat mysterious but it helps to have a few $100K invested with them. BTW, TTAX no longer supports Windows 7 :x WRONG WRONG, AND WRONG! https://www.intuit.com/suppor...
by dual
Wed Nov 06, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37437

Re: Turbotax 2019 on Amazon

Fidelity usually provides free downloads of Turbotax to its clients around mid December. Their criteria to receive the freebie are somewhat mysterious but it helps to have a few $100K invested with them.

BTW, TTAX no longer supports Windows 7 :x
by dual
Tue Nov 05, 2019 12:04 am
Forum: Personal Investments
Topic: Those who buy SOME individual stocks, where do you put them?
Replies: 12
Views: 1094

Re: Those who buy SOME individual stocks, where do you put them?

Given the preferential tax treatment of dividends and long term capital gains, I hold them in a taxable account.
by dual
Sat Nov 02, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Alternative to Spectrum Cable Internet
Replies: 24
Views: 1689

Re: Alternative to Spectrum Cable Internet

Nice idea, I tried that last year when the neighbors moved in and needed Internet for a couple of weeks until their service was working - alas, its too far away - we are rural indeed. Even at max power setting of my wifi router, they could not see my guest network RJ45 Ethernet cable can transmit s...
by dual
Sat Nov 02, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Alternative to Spectrum Cable Internet
Replies: 24
Views: 1689

Re: Alternative to Spectrum Cable Internet

Ideas: 1. telephone company. I get my internet from AT&T 2. If your neighbors are reasonably close, share your connection and split the price. This could be done with a powerful enough wifi signal or by hardwiring. It will require some network savvy to split the signal so your neighbor cannot access...
by dual
Wed Oct 30, 2019 1:44 am
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 79
Views: 5809

Re: New Computer with or without SSD?

Iamlucky, you have done ZERO to actually answer the OP’s original question and your argumentative nature has contributed nothing to this post. We get it....you’re not upgrading from Windows 7. Move on. I do not agree with this. I find iamlucky13's posts to be informative. I am also facing the Windo...
by dual
Sat Oct 26, 2019 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13522

Re: Ok to go without health insurance?

Odds that you will get through bankruptcy with the mid 7 figure NW intact are appox 0%. Odds that mid 7 figure NW will still be mid 7 figure after 16k insurance are 100%. Odds that OP's NW will still be mid 7 figures after 16K*10 = 160K annual premium are also 100%. Should he pay the 10X premium? N...
by dual
Thu Oct 24, 2019 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13522

Re: Ok to go without health insurance?

Odds that you will get through bankruptcy with the mid 7 figure NW intact are appox 0%. Odds that mid 7 figure NW will still be mid 7 figure after 16k insurance are 100%. Odds that OP's NW will still be mid 7 figures after 16K*10 = 160K annual premium are also 100%. Should he pay the 10X premium?
by dual
Thu Oct 24, 2019 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13522

Re: Ok to go without health insurance?

Help me out here: If one “clear(s)” one’s medical debts through bankruptcy, how much money would one have left over at the conclusion of the bankruptcy process? Sure, happy to help :D The amount of money leftover from bankruptcy depends on the OP's state's bankruptcy laws but could include his hous...
by dual
Tue Oct 22, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13522

Re: Ok to go without health insurance?

Who cares at what level that premium becomes too high? That has nothing to do with the current decision. Of course you care. It is just that your judgement of the risk/reward for the current premiums is to pay them. My judgement of the risk is apparently lower than yours and I gave reasons in my po...
by dual
Tue Oct 22, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 13522

Re: Ok to go without health insurance?

Those who are aghast at self-insuring should say at what monthly premiums they would self-insure. Suppose OP's monthly premiums were 10X his current, 100X, 1000X? Would you still insist on buying insurance? The fact that OP's premiums are much less than the $millions being thrown around on this thre...
by dual
Tue Oct 22, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 6262

Re: Living life post smart phone

... As for GPS, I think any phone with GPS can be used to track you so I do not want that feature... Regardless of whether or not you use a GPS Navigation app, just about every mobile phone has some sort of GPS or tracking ability, and ALL of them will be required to in the U.S. going forward https...
by dual
Mon Oct 21, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Living life post smart phone
Replies: 68
Views: 6262

Re: Living life post smart phone

Has anyone here devolved and went back to using a regular phone after years of using a smart phone? If so, which phone did you get. I’m interested in removing the temptation of always being on my iPhone by removing the phone all together. I would love to find a phone that could still check e-mail a...
by dual
Sun Oct 13, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 5566

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Some updates: I've taken a liking to Walmart's store brand sardines. Small sardines reminiscent of tiny tots. Firm and tasty. A great deal at only 88¢ a can. Main negative is they are packed in soybean oil instead of olive oil. But the taste is OK. I also like the trader joe's store brand sardines i...
by dual
Sat Oct 05, 2019 5:31 pm
Forum: Investing - Theory, News & General
Topic: Bond Investing when Yield Curve is Flat
Replies: 91
Views: 9316

Re: Bond Investing when Yield Curve is Flat

Treasury and TIPS fund ERs are so low that you probably have higher cost managing a ladder with retail instead of wholesale transaction costs. Why not buy the Treasuries at auction? Most brokers do not charge commission-Vanguard, Fidelity, Schwab, TDAmeritrade, Etrade do not charge but notably Merr...
by dual
Tue Oct 01, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 80
Views: 8231

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

I don't trade stocks but I do buy a lot of Treasury securities at auction. A company like Merrill Edge that charges ~$30 to place an order at an auction is a big negative for me.
by dual
Thu Sep 26, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2756

Re: Financing house after divorce

Is buying the house more important or paying for your kids' college education? You cannot afford both. KlangFool False choice. There are plenty of good paying, fulfilling jobs that do not require a college education. See e.g. https://www.amazon.com/Best-Jobs-Without-Four-Year-Degree/dp/1593579284/r...
by dual
Tue Sep 24, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5316

Re: How did your Windows 10 upgrade go?

[quote=dual post_id=4764099 time=1569346024 user_id=408 Wrong. See this very capable Windows 10 Pro computer for $80 including shipping. preview link https://preview.tinyurl.com/y6onqv2l There are many more on Ebay for much less than $129 Ha, good one! "Very capable", lol. It's got an i5-3470, whic...
by dual
Tue Sep 24, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5316

Re: How did your Windows 10 upgrade go?

Buy a used computer from an unknown seller on Ebay that includes a copy of Windows that may, or may not be legitimate, and may or may not have all sorts of nefarious stuff on the hard drive? Or buy a computer from a supposedly legit manufacturer like Lenovo who has been caught three times loading s...
by dual
Tue Sep 24, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 66
Views: 5316

Re: How did your Windows 10 upgrade go?

Looks like I have to buy the Home edition for $129 Can't one get an entire Windows 10 computer for less than that nowadays? No. Wrong. See this very capable Windows 10 Pro computer for $80 including shipping. preview link https://preview.tinyurl.com/y6onqv2l There are many more on Ebay for much les...
by dual
Wed Sep 18, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: Cleaning up a Windows 10 PC [Removing unwanted features]
Replies: 13
Views: 1292

Re: Cleaning up a Windows 10 PC [Removing unwanted features]

Thanks for the links adamthesmythe and meebers To all regarding updates: note that I wrote how to control when updates are applied to Win10 I did NOT suggest not applying updates. I always apply critical updates to my Win7 system and will continue doing so with Win10. I just want to control when the...
by dual
Tue Sep 17, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Cleaning up a Windows 10 PC [Removing unwanted features]
Replies: 13
Views: 1292

Cleaning up a Windows 10 PC [Removing unwanted features]

Many people would like to get rid of the following features on Windows: forced updates, telemetry, Windows Store, and Cortana. I think it would be very helpful to have a thread with links to procedures to correct these that BHers have found to work. As a starter, I found the following description ab...
by dual
Tue Sep 17, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7177

Re: Do you trust Microsoft updating your Windows 7 machine?

For starters, all financial transactions I do are done on a sole designated Win7 laptop whose only function is to run Firefox and nothing else. Provided I can update Firefox regularly, my usual procedure will be unchanged. My main PC is Win 7 but I also use a dedicated PC for accessing finance/bank...
by dual
Mon Sep 16, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7177

Re: Do you trust Microsoft updating your Windows 7 machine?

Not sure what I'm going to do in 2020. Perhaps continue to run Win7 as normal and back up my data more frequently, so I can just reformat and re-install if something goes awry. Perhaps dual-boot into Linux for web-browsing and Win7 for gaming. I installed VirtualBox running Bodhi Linux on my Win7 d...
by dual
Mon Sep 09, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3947

Re: Going desktop-less?

Again, you can do all of this without an actual desktop computer. Though my Surface dock "only" supports two 4k monitors (the one 49"er is enough for me), the dock for my work laptop supports 3. It actually does have 3 monitors connected, but they are 24" 1920x1200, not 4k. Next upgrade I might go ...
by dual
Mon Sep 09, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3947

Re: Going desktop-less?

In today's age, desktops seem so bulky/antiquated, but having one seems to give me a sense of security! I could not function without my desktop computer, monitors and keyboard. The ergonomics of a laptop are terrible. You have to balance it on your lap or place it in a non-ergonomic table, hunch ov...
by dual
Fri Sep 06, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9042

Re: BofA ShopSafe going away

As I mentioned above, I use Shopsafe (SS) for two cases: 1. High risk transactions. With SS closed I will just tough it out. If my credit card number gets on the dark web, I will trust the credit card issuer to detect the fraud and to close my card. 2. To stop retroactive charges. In this case, I wi...
by dual
Thu Sep 05, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9042

Re: BofA ShopSafe going away

whodidntante wrote:
Thu Sep 05, 2019 7:56 pm
Now for fraud protection, and for services ... I use virtual gift cards and other gift cards.
Please explain what kind of gift cards. The general purpose VISA and MasterCard gift cards I have seen at drugstores etc have a hefty 5% fee.
by dual
Thu Sep 05, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 9042

Re: BofA ShopSafe going away

Makefile wrote:
Thu Sep 05, 2019 3:05 pm

Interestingly, the new Apple Card offers something equivalent to virtual card numbers for online shopping.
A link to this? I looked on their (worthless) website but could not find anything.