Search found 1361 matches

by dual
Mon Mar 25, 2024 1:41 am
Forum: Personal Consumer Issues
Topic: Walmart Plus Feels Like A Scam
Replies: 53
Views: 5992

Re: Walmart Plus Feels Like A Scam

I have been using Walmart+ since the pandemic. I like it. I use it mainly to buy groceries for delivery. There is no charge when I buy more than $35, which is not hard to do with inflation. They are prompt and accurate and almost always have what I order. For the cases when they’re out of stock, it pays to designate a substitute item. For items not available in the store, they will ship free with fairly fast service—-usually two to the three days. For delivery from store, I buy fresh fruit like strawberries and blueberries, vegetables like bell pepper, and carrots, and bags of kale and other items like eggs, frozen vegetables, bread. All excellent quality and good prices.
by dual
Sun Mar 24, 2024 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9625

Re: Dedicated Financial Computer Master Thread

Tn-boy

If you are convinced that it is impossible for you to be deceived by a phishing email, this discussion is obviously not interesting, but the point we are making is that a separate financial computer, whatever its virtues, don't do much, if anything to mitigate that risk.
We strongly disagree.

I will stop my discussion on this point. I am happy with my finance only PC and I do think it increases security on many fronts including email phishing.
by dual
Sun Mar 24, 2024 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9625

Re: Dedicated Financial Computer Master Thread

Patrick Unless you avoid email completely you could still receive phishing email somewhere else. And if you are fooled then you are fooled. Suppose you do get the phishing email on your separate email only computer. It says it is from your bank. It says someone has just transferred thousands of dollars out of your account. It says that if you didn't mean to do that, the only way to get the money back is for you to make another transfer. If you are fooled by the phishing email then you will go over to your financial only PC and make the transfer. Of course, we can come up with far-fetched scenarios.. As a saying goes, it’s hard to make something full proof because fools are too smart. Having a separate PC slows the reaction time down and giv...
by dual
Sun Mar 24, 2024 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9625

Re: Dedicated Financial Computer Master Thread

Detroit Rick I've never considered doing this, and never would. I am completely comfortable accessing websites, running personal financial software and using a variety of apps on both pcs and android. Do you answer or send email on your PC? Are you sure you can distinguish phishing emails? —- A separate computer won't stop phishing. If you would be fooled by phishing email received on a single computer, using a separate computer is unlikely to prevent you from being fooled. Using a separate computer where I do not send or respond to email at all will eliminate any chance of responding to a phishing email on that computer. Edit. TN-boy But ... if you a get phishing email on your "non-financial computer" and are fooled by it, you m...
by dual
Sat Mar 23, 2024 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9625

Re: Dedicated Financial Computer Master Thread

Detroit Rick

I've never considered doing this, and never would. I am completely comfortable accessing websites, running personal financial software and using a variety of apps on both pcs and android.
Do you answer or send email on your PC? Are you sure you can distinguish phishing emails?

https://www.nebrcentre.co.uk/what-is- ... website.

What is the Most Common Form of Cyber Attack?

?The most common form of cyber attack is phishing attacks. Phishing involves sending fake emails that pretend to be from a reliable source, such as a business’ vendors or the victim’s boss. The email will then i
by dual
Sat Mar 23, 2024 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9625

Re: Dedicated Financial Computer Master Thread

To me, the use of a virtual machine, or even Linux is questionable for a representative from the financial company to understand Can you clarify what you mean as questionable.. to understand? many linux distros can be run as a (read only) ISO from a thumbdrive or cd. easy to do and much cheaper than a second machine I imagine someone from a financial company looking over my shoulder to decide whether I took reasonable care to secure my computer. I doubt they would understand whether I implemented a virtual machine so it is secure. I am an engineer, retired, but I still keep up on software, and I do not understand the implications of whether instances of virtual machines retain history. As for Linux, there are so many distro and versions of...
by dual
Sat Mar 23, 2024 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Dedicated Financial Computer Master Thread
Replies: 208
Views: 9625

Re: Dedicated Financial Computer Master Thread

I think a primary requirement for a financial computer is to satisfy the fraud protection policies of your financial companies. Many of the policies require an audit of your computer in the event of a major theft. To me, the use of a virtual machine, or even Linux is questionable for a representative from the financial company to understand so I use a plain vanilla windows PC always updated. Here are some recent links to the fraud protection policies at some brokers Schwab https://international.schwab.com/security-guarantee Fidelity https://www.fidelity.com/security/customer-protection-guarantee Merrill Edge https://www.ml.com/privacy-and-security-center/mymerrill-fraud-protection.html Vanguard https://investor.vanguard.com/trust-security/s...
by dual
Sat Mar 23, 2024 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Automatic State Tax Extensions
Replies: 4
Views: 334

Re: Automatic State Tax Extensions

If you make a payment at one of the online websites like pay1040.com, that is the equivalent of filing a 4868 so you do not have to file a paper one. You can even make a payment for one dollar although there’s a $2.50 minimum fee to pay1040.
by dual
Thu Mar 21, 2024 5:01 pm
Forum: Personal Consumer Issues
Topic: Flash drives vs external HDs?
Replies: 63
Views: 3920

Re: Flash drives vs external HDs?

Backing up to multiple drives of any kind is much faster and easier using an incremental backup utility like Freefilesync


https://freefilesync.org/
Synchronize Files and Folders
Key features FreeFileSync is a folder comparison and synchronization software that creates and manages backup copies of all your important files. Instead of copying every file every time, FreeFileSync determines the differences between a source and a target folder and transfers only the minimum amount of data needed. FreeFileSync is Open Source software, available for Windows, macOS, and Linux.
by dual
Thu Mar 21, 2024 4:57 pm
Forum: Personal Consumer Issues
Topic: Flash drives vs external HDs?
Replies: 63
Views: 3920

Re: Flash drives vs external HDs?

An article about USB flash drive reliability https://www.usbmemorydirect.com/blog/are-flash-drives-reliable/ So, how long can you expect a flash drive's lifespan to be? The answer depends mostly on how much you use it. The main measure of a flash drive's lifespan is its number of write cycles -essentially, the finite number of times that the drive's data blocks can be erased and rewritten. After a certain number of write cycles, the materials in the drive that transfer electrical charge start to get worn out, making the memory more likely to fail. However, most flash drive users won't actually hit this limit, since it's in the tens or hundreds of thousands. A USB card that gets handed out at a conference and used a handful of times has an e...
by dual
Tue Mar 19, 2024 6:07 pm
Forum: Personal Investments
Topic: Can TIPS in a taxable account make sense?
Replies: 22
Views: 2683

Re: Can TIPS in a taxable account make sense?

If you live in a high income tax rate state, it is better to hold them in taxable. If you hold the tips in tax deferred you pay state tax on the interest when you withdraw. If you hold them in taxable, you will not pay state tax. Last I checked, the usual state tax ate here in California is about 9.3%, but it can go over 12%.
by dual
Tue Mar 19, 2024 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Use RMD to pay taxes
Replies: 30
Views: 2595

Re: Use RMD to pay taxes

Be aware that, even though the withdrawal is used for paying taxes, it is still taxable income.
by dual
Tue Mar 12, 2024 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question on using Turbotax and paying taxes
Replies: 1
Views: 395

Re: Question on using Turbotax and paying taxes

Pay with a credit card as an extension to file and then enter that into TurboTax. It will subtract that from the tax due either e-filing or paper file. disclaimer. I’ve never done this for paper file, but I have done it many times for e-filing.
by dual
Wed Mar 06, 2024 10:12 am
Forum: Personal Consumer Issues
Topic: Selling used appliances
Replies: 9
Views: 941

Re: Selling used appliances

If you have any used dumb washers or dryers, they are worth a lot of money nowadays
Replacing appliances? Buy dumb
https://www.bogleheads.org/forum/view ... p5403204
by dual
Tue Mar 05, 2024 12:01 pm
Forum: Personal Investments
Topic: VTI
Replies: 21
Views: 4750

Re: VTI

If you look at a chart of their performance over the long-term, they are practically identical. Over 5 years, VTI up 79.07% SPY up 85.09%.Recently, SPY has been performing slightly better than VTI. I think that is because SPY has fractionally a larger exposure to the magnificent seven.
by dual
Wed Feb 28, 2024 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: I got my tax refund today--and it doesn't match what I filed!
Replies: 31
Views: 5553

Re: I got my tax refund today--and it doesn't match what I filed!

Seems like all I can do right now is wait for the letter from the IRS.
For situations like this and others, it is worthwhile to go through the id.me hassle and set up an account for yourself at irs.gov. Iirc you can look up the “transcript” of your return.

BTW did you efile?
by dual
Sat Feb 24, 2024 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block e-file and pay tax with credit card at lowest fee?
Replies: 2
Views: 468

Re: H&R Block e-file and pay tax with credit card at lowest fee?

You can also pay the tax with an extension to file. Then enter the payment into your tax program so you have zero due.
by dual
Mon Feb 19, 2024 2:20 pm
Forum: Personal Consumer Issues
Topic: Importing tax info into tax programs. Who does it?
Replies: 67
Views: 5777

Re: Importing tax info into tax programs. Who does it?

NYHawkeye wrote: Sun Feb 18, 2024 7:55 pm I enter most data manually but do have one account that generates a 1099 with many transactions. For that one I download a CSV file and use a little program I found that will convert the CSV into a TXF file that can be imported directly into TurboTax. Works well and keeps me from having to share logins, passwords, etc.....
What is the program that you use?

I found csv2txf from a search: Free and open source. Looks like it uses python.

https://github.com/mbrukman/csv2txf/
by dual
Sat Feb 10, 2024 1:19 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7768
Views: 1351844

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

The Wells Fargo premier checking bonus offer has ended


https://accountoffers.wellsfargo.com/premierbonus/

This offer is no longer available
by dual
Thu Feb 01, 2024 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to Report T-Bill and Money Market Sales
Replies: 3
Views: 512

Re: How to Report T-Bill and Money Market Sales

My question is if I still need to report these two sales on the 1040 Schedule D (Capital Gain/Loss) page so that the IRS sees these transactions, even though no capital gain/loss resulted. Thank you.
You should receive a 1099INT for the Tbill transaction. The withdrawal from the money market fund is not a taxable event so you will not receive a tax document on it.

Many brokers, such as Fidelity and Schwab will not issue their 1099s until later in February.

BTW there’s a monster thread around here on taxation of treasury bills etc. Best to ask the question there so not to clutter the discussion.
by dual
Sun Jan 28, 2024 4:28 pm
Forum: Personal Investments
Topic: Looking for info/advice from Californians investing with an HSA
Replies: 52
Views: 5726

Re: Looking for info/advice from Californians investing with an HSA

Advice from Harry Sit about taxes on CA hsa’s. Discusses how to report sale of stock with capital gains and losses

https://thefinancebuff.com/california ... urn.html
by dual
Mon Jan 22, 2024 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Part D payment SS deduction
Replies: 35
Views: 2257

Re: Part D payment SS deduction

How much was the monthly payment? I ask that because my payment is $.40 a month., $4.80 a year. I had it deducted from my Social Security payment with no problem so far. But in retrospect, it would probably have been better to pay the whole amount for the year if the insurance company website allowed it.
by dual
Mon Jan 22, 2024 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another I-bond calculator (python)
Replies: 26
Views: 5092

Re: Yet another I-bond calculator (python)

I ran the code on my inventory list and used it to select a 0% fixed rate iBond to sell around the start of this month.

I am using this to learn python so I modified the code to sort the output by the issue date. I suppose I could do this by sorting the inventory in a spreadsheet. My next project is to make the sort as a commandline option.

A fun and useful project .
by dual
Sat Jan 13, 2024 3:47 pm
Forum: Personal Investments
Topic: I can't access my Vanguard account and support was unable to help.
Replies: 8
Views: 1263

Re: I can't access my Vanguard account and support was unable to help.

Do you have money in it? If not, and you still want an account, open a new one
by dual
Tue Jan 09, 2024 11:32 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 7768
Views: 1351844

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

whodidntante wrote: Mon Jan 08, 2024 11:31 am
I don't see a reason to avoid M1 over this. I consider a good sign for them.

I'll let you know. I am still waiting on Wells Fargo to finalize my transfer from M1. I put on my cheerleader uniform and called to support Wells Fargo because they used the Apex DTC code. Guess they didn't get the memo. I'm still waiting on the cost basis to transfer.
Wellstrade transfers work at a glacial pace. I initiated a transfer on January 3, and received an email acknowledgment that said they take 5 to 7 business days. The stock was taken from Merrill edge on the fourth, but so far nothing has showed up at Wellstrade. Beyond the email, no indication at all about the transfer on the Wells Fargo website.
by dual
Thu Dec 28, 2023 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mickey Mouse goes out of copyright in 2024
Replies: 5
Views: 1458

Re: Mickey Mouse goes out of copyright in 2024

Trademarks don't expire. The Law Review articles about the intersection of copyright and trademark practically write themselves. I found an article about this The difference with Disney’s Mickey Mouse is to do with trademarks and the changing nature of the character. Firstly, Disney has tightened its association with the video of Steamboat Willie by using it in the opening credits for all of its films since 2006. Trademarks are protected under a different US law, and do not expire so long as the company continues to submit the proper paperwork. Trademarks are designed to protect against consumer confusion, so any use of Mickey Mouse which suggests he belongs to a brand other than Disney is illegal. Lessing suggests that this might not be a...
by dual
Thu Dec 28, 2023 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mickey Mouse goes out of copyright in 2024
Replies: 5
Views: 1458

Mickey Mouse goes out of copyright in 2024

At least the original steamboat Willy cartoon. Later cartoons where the drawings look more modern are still under copyright. This post is actionable for frugal bogleheads who are interested in saving money by downloading content from sites like Gutenberg. there are a few very well-known pieces of work that will lose their copyright in the near future. That includes the songs of Hank Williams - including 'Your Cheatin’ Heart’, 'Hey Good Lookin’’ and his ‘Lovesick Blues’. The works of Welsh poet Dylan Thomas also enter the public domain next year - including the oft-quoted ‘Do not go gentle into that good night’. We also have Noddy - the little man with the red and yellow car. Or, more precises, the original illustrations of Noddy – and not t...
by dual
Fri Dec 22, 2023 3:03 pm
Forum: Investing - Theory, News & General
Topic: Now that long TIPS yields are 60 bp off their highs I will…
Replies: 2950
Views: 623234

Re: Now that long TIPS yields are 60 bp off their highs I will…

David Enna on the inflation breakeven rate implied by the latest 5 year TIPS auction: Inflation breakeven rate With the 5-year Treasury note trading with a nominal yield of 3.87% at the auction’s close, this TIPS gets an inflation breakeven rate of 2.16%, much lower than results for this maturity in recent auctions. The market is now pricing inflation through the next five years very close to the Federal Reserve target of 2%. Which raises the question: Is the market crazy? Whatever happens over the next 4 years, 10 months, investors in CUSIP 91282CJH5 at today’s auction got a low-risk, appealing result, especially versus the 5-year nominal Treasury. https://tipswatch.com/2023/12/21/5-year-tips-reopening-auction-gets-real-yield-of-1-710-on-t...
by dual
Mon Dec 18, 2023 1:45 pm
Forum: Investing - Theory, News & General
Topic: Treasury Must Issue 1.4T in New Debt Between Now and Year End
Replies: 56
Views: 7642

Re: Treasury Must Issue 1.4T in New Debt Between Now and Year End

The bond vigilantes are temporarily on their heels, but the treasury has to keep on issuing debt to pay the spending. Short term bills are still above 5.2%. I am a buyer.

https://www.treasurydirect.gov/auctions ... a-results/
by dual
Sat Dec 09, 2023 2:53 pm
Forum: Personal Consumer Issues
Topic: New to Costco
Replies: 239
Views: 60977

Re: New to Costco

I used to be a member, but gave it up a long time ago. Problems They have a very limited selection. A typical Costco carries 4000 items compared with a supermarket with tons of thousands of items and a Walmart that has hundreds of thousands. This causes issues for me. Examples. No non-whitening toothpaste. No shredded wheat without frosting sugar. No unscented moisturizing lotions. Most of the time they only have boneless skinless sardines Their stores are disorganized, and it’s hard to find things. I think they deliberately do that to force you to walk around the store and get impulse buys. They do not label the products found on an aisle. I can easily beat their prices by shopping the sales and I don’t have to buy humongous quantities. I ...
by dual
Sat Dec 09, 2023 2:00 pm
Forum: Personal Consumer Issues
Topic: Other financial forums?
Replies: 16
Views: 3893

Re: Other financial forums?

Tipswatch is a blog by financial journalist, David Enna, on inflation indexed US government securities such as TIPS and ibonds. While not a forum, it has large and insightful comment section.

https://tipswatch.com/
by dual
Fri Dec 08, 2023 11:56 am
Forum: Personal Consumer Issues
Topic: Other financial forums?
Replies: 16
Views: 3893

Re: Other financial forums?

Someone up thread mentioned the Bogleheads Reddit group. Reddit claims they have over 300,000 members. Here’s a link.

https://www.reddit.com/r/Bogleheads/s/RhmsaWKrtj

Edit.
Like all of Reddit, their members seem to be younger people. I did a search on QCD and only got four hits.
by dual
Thu Dec 07, 2023 10:52 am
Forum: Personal Consumer Issues
Topic: Other financial forums?
Replies: 16
Views: 3893

Re: Other financial forums?

This website discusses Harry Browne’s permanent portfolio. They have forums on stocks, bonds, cash and gold

https://www.gyroscopicinvesting.com/forum/index.php
by dual
Wed Dec 06, 2023 4:46 pm
Forum: Personal Consumer Issues
Topic: Other financial forums?
Replies: 16
Views: 3893

Re: Other financial forums?

other forums with freer discussions:

The early retirement forum
https://www.early-retirement.org/

FragileDeal
https://www.fragiledeal.com/
by dual
Mon Dec 04, 2023 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: IRS underpayment penalty - 8% interest rate - Need Help
Replies: 45
Views: 7775

Re: IRS underpayment penalty - 8% interest rate - Need Help

OP In Case you missed it a lot of good advice here If you are a working stiff, you can file form W4 to have extra tax withheld by the end of the year. It can be up to your entire pay, after other mandatory deductions like social security tax. So whatever you take home now could be an extra amount withheld. The advantage of withheld tax is that it doesn't matter if you paid it on Jan 1 or Dec 31st, it's all 2023 withholding and equivalent. You can also have amounts withheld from IRA distributions, if you'd like, with similar effect. You can make an estimated payment today, and it will count as a Q4 estimated payment. This will reduce your underpayment penalty, but not eliminate, unless this 16k tax liability arose during Q4, or you meet a sa...
by dual
Sun Dec 03, 2023 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 7057
Views: 891222

Re: Bank of America/Merrill Edge - Preferred Rewards

Some problems with Merrill edge

You cannot buy tbills at auction with an online order. You have to place a broker assisted call and they charge $25 commission iirc.

They have relatively poor options for login security. They only support text message 2FA.

You have to lock down Bank of America also since my accounts are linked and, if I get into BofA, I can get into ME (and viceversa).
by dual
Mon Nov 27, 2023 1:15 pm
Forum: Personal Consumer Issues
Topic: reMarkable electronic notepads
Replies: 13
Views: 2094

Re: reMarkable electronic notepads

Re. iPad

Many people, including me, dislike the writing on glass experience of an iPad. In addition, I find an e-ink display much easier on eyes.

That being said, you need to be aware that PDF documents do not reflow. Therefore, a large screen is better since most documents are at least 8 1/2 x 11 inches.

A good alternative to the remarkable is a Fujitsu Quaderno

See this review
https://www.reddit.com/r/ereader/s/CLiBHDTEbp

A link to buy it

https://fujitsuquaderno.com/
by dual
Fri Nov 24, 2023 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Using Symantec VIP Access at Fidelity
Replies: 53
Views: 6364

Re: Using Symantec VIP Access at Fidelity

Northflicker wrote:
You don't have to change the user name, just retrieve it. And I've never had to call in to Fidelity to reset a password.
You have been able to change the password without having the old one without calling in?
by dual
Thu Nov 23, 2023 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Using Symantec VIP Access at Fidelity
Replies: 53
Views: 6364

Re: Using Symantec VIP Access at Fidelity

Is the Symantec hard token pin protected? The 2FA token can be used to reset a password, so is a single point of compromise. A criminal would need my username and password and the hardware token. This is three points of compromise? The web site has a forgot username link and the forgot password link uses a Symantec code for authentication. The Symantec code is the only robust authentication in all of that. A hard token may not be lost with any other identifying info, in which case it will not be useful. But best practice is for the password security domain and 2FA security domain not to overlap, and using 2FA to authenticate password resets violates that. I'm not saying that using the hard Symantec token is weak encryption, but that it is ...
by dual
Tue Nov 21, 2023 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Using Symantec VIP Access at Fidelity
Replies: 53
Views: 6364

Re: Using Symantec VIP Access at Fidelity

Northern Flicker wrote: Tue Nov 21, 2023 4:41 pm Is the Symantec hard token pin protected? The 2FA token can be used to reset a password, so is a single point of compromise.
A criminal would need my username and password and the hardware token. This is three points of compromise?
by dual
Mon Nov 20, 2023 10:35 pm
Forum: Investing - Theory, News & General
Topic: Security Hardware for Vanguard, Fidelity, and Schwab Accounts - Harry Sit
Replies: 63
Views: 11490

Re: Security Hardware for Vanguard, Fidelity, and Schwab Accounts - Harry Sit

EvelynTroy
Phoned Schwab and was advised they are phasing out the physical hardware token and I should download the Symantec VIP Access app.
You can purchase a Symantec VIP hardware token for $16 at the symantec store on Amazon. I use the same token for Schwab and Fidelity.


https://www.amazon.com/stores/page/835B ... f_=ast_bln
by dual
Mon Nov 20, 2023 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Using Symantec VIP Access at Fidelity
Replies: 53
Views: 6364

Re: Using Symantec VIP Access at Fidelity

Fidelity does support a hardware token. I use it instead of the app on my cell phone. Works great

Image

Here’s a discussion about it on Harry Sit’s “the finance buff”

https://thefinancebuff.com/security-har ... ware-token

Edit. This also works at Schwab and E-trade.
by dual
Fri Nov 10, 2023 11:50 am
Forum: Personal Finance (Not Investing)
Topic: 2024 IRS Tax Bracket Updates
Replies: 31
Views: 6449

Re: 2024 IRS Tax Bracket Updates

The numbers 10%: Income up to $11,600 ($23,200 for married couples filing jointly) 12%: Income over $11,600 ($23,200 for joint filers) 22%: Income over $47,150 ($94,300 for joint filers) 24%: Income over $100,525 ($201,050 for joint filers) 32%: Income over $191,950 ($383,900 for joint filers) 35%: Income over $243,725 ($487,450 for joint filers) 37%: Income over $609,350 ($731,200 for joint filers). Taxable income, remember, is your gross income minus the various tax breaks for which you’re eligible. For individuals and married people filing separately, the new federal standard deduction next year will increase to $14,600, up from $13,850 this year. For married couples filing jointly, the standard deduction will rise to $29,200, up from $2...
by dual
Fri Nov 10, 2023 10:47 am
Forum: Personal Investments
Topic: fidelty money market fund choice
Replies: 14
Views: 4100

Re: fidelty money market fund choice

FDLXX cannot be used as your core position.

https://www.reddit.com/r/fidelityinvest ... _position/

I’m not sure the total implications of this, but you do have to get on the website to transfer money into the account. It does not happen automatically when, for example, a tbill matures.
by dual
Thu Nov 02, 2023 12:40 pm
Forum: Personal Consumer Issues
Topic: New Kindle Scribe: writable e-ink reader
Replies: 64
Views: 6113

Re: New Kindle Scribe: writable e-ink reader

From the kindle scribe Reddit group


https://www.reddit.com/r/kindlescribe/s/glB46vlEHL
One Year In.... Disappointed but Not Surprised (It's Fine)

So it's been about a year with the Scribe (ordered it day 1 and got it at launch which I think was November 22)....

My current feelings about the device remain pretty much identical to my initial impressions. Great hardware, underbaked software, way behind the competition overall.
Edit. Read the whole review. It lists specific problems with the device. I will not be buying it in the near future.
by dual
Sun Oct 29, 2023 5:09 pm
Forum: Personal Consumer Issues
Topic: "Getting Things Done" Kindle book currently $1.99
Replies: 4
Views: 1607

Re: "Getting Things Done" Kindle book currently $1.99

Still $1.99. I just bought it. I borrowed from the library but decided it’s one that I want to keep. Noticed they give a 20 cent credit towards new book purchases. 😁
by dual
Fri Oct 27, 2023 11:47 am
Forum: Investing - Theory, News & General
Topic: Taxation of Treasury bills, notes and bonds
Replies: 1078
Views: 157183

Re: Taxation of Treasury bills, notes and bonds

Kevin M
Assume discount is state tax exempt, unless you're domiciled in one of the very few states that explicitly say it's not,
I did a search and the only state I could find that says it is taxable is Illinois

https://ttlc.intuit.com/community/state ... 00/1333674

Please list other states that you are aware of.
by dual
Mon Oct 23, 2023 10:55 am
Forum: Personal Consumer Issues
Topic: Total monthly cost of Ooma Tello
Replies: 15
Views: 2335

Re: Total monthly cost of Ooma Tello

My OBi 200 still works well also. See this discussion on Google support. Once the support for obi2xx is over, we will no longer have this free service "End of support" (your first post) is not the same as "End of Life". "End of support" means Poly/OBi won't be making firmware updates after 2023. Our OBi devices will continue to work with Google Voice until Google makes a radical change that requires a firmware update from Poly. The last such major change was two or three years ago when Google made a drastic, and necessary, security change to how our OBi devices securely log into Google Voice. Poly made other firmware updates before the Google Voice secure login update, but I don't recall that any of these earli...
by dual
Fri Oct 20, 2023 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: [2023 TurboTax Desktop now requires account login to activate]
Replies: 126
Views: 67759

Re: 2023 TurboTax DESKTOP to require website login.

Joe Public wrote: Fri Oct 20, 2023 2:34 pm What are some good alternatives for someone who is looking for a desktop option with no login/user account requirement?
I think H&R Block does not require a user account registration. You can usually buy the desktop version with federal and state preparation and five federal e-file’s for about $25 around Christmas time.
by dual
Wed Oct 18, 2023 10:40 am
Forum: Personal Finance (Not Investing)
Topic: IRS extends CA filing deadline to Nov 16, 2023
Replies: 3
Views: 870

Re: IRS extends CA filing deadline to Nov 16, 2023

It is weird that they announce this on the day of the deadline. If I had known about this, I would have delayed paying and earned one more month of interest on the balance due.