Search found 434 matches

by tuningfork
Fri Apr 19, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 1907

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

Lots of misinformation about Lastpass free vs paid version because Lastpass changed their pricing model a few years ago. Lastpass free version now syncs passwords across desktop and mobile devices (they used to require the paid version for use on mobile devices). They also raised their prices recent...
by tuningfork
Mon Apr 08, 2019 11:18 pm
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 16
Views: 1686

Re: Computer Security

If Microsoft's antivrus/malware tools are so excellent, why do so many major employers pay for other options? My take on it is that there was a time when Microsoft did not have its own antivirus/malware tools, so the Nortons and McAfees got their feet in the door at many companies. Momentum has kep...
by tuningfork
Tue Mar 26, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: US Bank credit cards bonus categories
Replies: 16
Views: 1380

Re: US Bank credit cards bonus categories

student wrote:
Mon Mar 25, 2019 8:33 pm
I have this card. It is pretty good. It used to be better with bill pay. It also counts Amazon as bookstore.
US Bank eliminated the Bookstore category a year ago, so 5% cashback on Amazon purchases are ancient history.
by tuningfork
Fri Mar 22, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Need some help with slow folders in Windows
Replies: 33
Views: 1697

Re: Need some help with slow folders in Windows

I had a problem a year or so back with windows 10 that took forever to open some folders, including the quick view. I found that these folders had their type set as "pictures" which was forcing the operating system to scan the full folder and generate thumbnails of every file. When I reset the type...
by tuningfork
Wed Mar 13, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Two-Factor ID for my Bank
Replies: 24
Views: 1384

Re: Two-Factor ID for my Bank

Regular email is not secure, in the sense that it is sent over the Internet as clear text. This used to be true, but is largely not anymore. Email protocols have long supported TLS, and any enterprise worth their salt is probably using it. So while email can be sent as clear text, yours probably is...
by tuningfork
Sun Feb 24, 2019 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Close my AT&T Universal Card?
Replies: 43
Views: 2695

Re: Close my AT&T Universal Card?

If you change it to a different Citi card, the account opening date will be maintained. I opened an AT&T Universal card in 1990. Last year Citi offered to switch it to a different Citi card and I accepted. I just checked my credit report and that new Citi card shows up as being open since 1990.
by tuningfork
Sat Feb 23, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to ensure USPS mailed tax return makes it to IRS
Replies: 52
Views: 3260

Re: Best way to ensure USPS mailed tax return makes it to IRS

I've never had any issue with plain old US first class mail. One stamp, or two if there are an excessive number of attachments, dropped in a mailbox at the post office. If you owe taxes, even if you are mailing a paper copy of the tax return, pay the tax due online before the due date. In the unlike...
by tuningfork
Tue Feb 12, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Anyone Affected by Google+ Shutdown in April
Replies: 15
Views: 1879

Re: Anyone Affected by Google+ Shutdown in April

I have account there whose sole purpose is to receive pics of granddaughter posted by parents. I assume those pics will vanish in April? Any way to estimate the size of archived file that will be generated if you attempt to save the pics. Any way to save those photos in Google+ to Google Photos? Ir...
by tuningfork
Mon Feb 11, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3742

Re: Passport Photos ?

Even though I have all the professional camera and lighting gear and skills to make excellent passport photos, it's not worth my time. I will gladly pay $5 or so for Walgreens to do it for me. As long as it gets me through the border I don't care whether or not it's a flattering photo.
by tuningfork
Thu Jan 31, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the taxes of taxable accounts (dividend income)
Replies: 11
Views: 783

Re: Help me understand the taxes of taxable accounts (dividend income)

I didn't realize taxable investing was this complicated :) When you sell you'll have to pay attention to how long you've held the asset. Short term (less than a year) is taxed higher than if you held it long term, and you have to be aware of the wash sale rules. It gets even more complicated if you...
by tuningfork
Tue Jan 29, 2019 12:25 am
Forum: Personal Consumer Issues
Topic: Need help with computer crash!
Replies: 90
Views: 4156

Re: Need help with computer crash!

The sound you heard might have been a cooling fan failing and then something overheating. If it's a desktop computer there likely will be several fans: power supply fan, CPU fan, possibly a GPU (video card) fan, possibly one or more case fans. When you turn on the computer, do you hear any fans at a...
by tuningfork
Wed Jan 09, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 2894

Re: Too many credit cards?

I've been in a simplification phase for awhile, which includes no longer trying to optimize every penny of credit card rewards. That said, I do juggle several reward cards but it's very simple and has become second nature: Amex Blue Cash Preferred at grocery stores (6%) and gas stations (3%). Citi T...
by tuningfork
Fri Jan 04, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What Do You Spend The Most On Annually?
Replies: 158
Views: 8479

Re: What Do You Spend The Most On Annually?

My highest expense categories in 2018: 1. Taxes (could be lower if I weren't making large Roth IRA conversions) 2. Charitable Donations (I opened a Donor Advised Fund so this is a one-time larger than normal expense) 3. Hobbies (do I have my priorities straight, or what?) 4. Healthcare (mostly insur...
by tuningfork
Thu Jan 03, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2238

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

I track my spending and my investments in Moneydance. Since I pay for nearly everything with a credit card, Moneydance has a categorized history of nearly every purchase I've made in the past ~25 years (starting with Quicken then Microsoft Money before I imported the data into Moneydance). I do not ...
by tuningfork
Sun Dec 30, 2018 9:22 pm
Forum: Personal Investments
Topic: H&R Block 2018 Deluxe reduced price
Replies: 6
Views: 955

Re: H&R Block 2018 Deluxe reduced price

Thanks for the update. I paid $44 before Thxgiving but had to in order to estimate impact of capital gains on taxes and finances this year and next. Next year looks like I'll be waiting until the end of the year to bite. Walmart and Amazon both had H&R Block Deluxe for ~$18 on Black Friday. Early e...
by tuningfork
Thu Dec 27, 2018 12:30 am
Forum: Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2634

Re: Withdrawal phase - Monthly vs Annually in Retirement?

I prefer simplicity over squeezing out every possible penny of return. Dividends and capital gains distributions from my taxable accounts are deposited directly to a high yield savings account. In December I sell some taxable shares to top off the savings account with next year's predicted expenses....
by tuningfork
Fri Dec 21, 2018 1:07 am
Forum: Personal Finance (Not Investing)
Topic: Question re HSA account transfer to Fidelity
Replies: 1
Views: 254

Re: Question re HSA account transfer to Fidelity

No problem. As long as your receipts are for medical expenses incurred after opening your (first) HSA, it doesn't matter if you move the HSA to a different provider. You can even have multiple HSA's at the same time at different providers.
by tuningfork
Tue Dec 18, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1020
Views: 85544

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My transfer from TD Ameritrade / HSA Bank to Fidelity completed this week. I moved all my HSA Bank funds into my TDA account and initiated the transfer from TDA at Fidelity's website. No physical paperwork involved, no medallion signature required, etc. Account size is approx. $30K. Total time was ...
by tuningfork
Sat Dec 15, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: New York camera stores, online purchases
Replies: 16
Views: 1040

Re: New York camera stores, online purchases

B&H and Adorama are the good guys. I've been buying primarily from B&H the last few years, no regrets. I had to return an item for the first time ever recently, and their return process was as good as Amazon Prime. Submitted the RMA request online, it was approved a few hours later, and they provide...
by tuningfork
Fri Dec 14, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1020
Views: 85544

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

My transfer from TD Ameritrade / HSA Bank to Fidelity completed this week. I moved all my HSA Bank funds into my TDA account and initiated the transfer from TDA at Fidelity's website. No physical paperwork involved, no medallion signature required, etc. Account size is approx. $30K. Total time was 1...
by tuningfork
Wed Dec 12, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 79
Views: 6907

Re: Best headphones under 500 bucks

Are there quality differences in sound between wired headphones and Bluetooth wireless headphones? Does wireless cause any reduction in frequency reproduction, digital glitching, etc. that doesn't happen with good old analog wired technology?
by tuningfork
Wed Dec 12, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Early retirement mistakes???
Replies: 37
Views: 6436

Re: Early retirement mistakes???

I retired once I qualified for retiree health insurance, figuring I didn't have to worry about ACA ever. I wasn't expecting Megacorp to cancel retiree health coverage a couple of years after I retired, but they did. Now we get our health insurance via ACA and can either take a subsidy from the compa...
by tuningfork
Sat Dec 01, 2018 7:05 pm
Forum: Personal Investments
Topic: TD security: is more, more?
Replies: 7
Views: 823

Re: TD security: is more, more?

The virtual keyboard was useful when keyloggers were a bigger threat. That is quite awhile now and the feature is useless (if not counter productive as mentioned above). Modern keyloggers have the ability to capture screenshots whenever the mouse is clicked, so the virtual keyboard is false securit...
by tuningfork
Tue Nov 27, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5954

Re: List of costs that go away/decrease and increase/appear in retirement

A cost I've never seen broken out is "estimated expenses for replacement of lost items." This definitely increases with age, part of the "normal" (I hope) cognitive deterioration. Not that I didn't lose umbrellas before, but not as often. hilarious... i hadn't thought of that! hopefully not high do...
by tuningfork
Mon Nov 26, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Facebook follow question
Replies: 6
Views: 563

Re: Facebook follow question

I gave fictitious personal information when I signed up years ago. I use a disposable email ID for the contact as well. This can be done safely, but most people don't bother. Using a different email address for FB is a great idea. FB allows advertisers to market to people on their email lists, so y...
by tuningfork
Mon Nov 26, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Facebook follow question
Replies: 6
Views: 563

Re: Facebook follow question

For privacy on FB, don't fill out your profile with things like your high school, favorite TV shows, etc. Just leave all that stuff blank no matter how many times FB nags you. For the things you're required to answer, like birthday, make sure you tag it as private. Don't accept any friend requests. ...
by tuningfork
Mon Nov 26, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Broken Sewer pipe - $10,000-$20,000 to fix
Replies: 58
Views: 6358

Re: Broken Sewer pipe - $10,000 to fix

Similar situation here. In my case the symptom was blockage of the sewage line every 12 to 18 months that had to be rotorooted. They used a video camera to find the breakage, which was a few feet under a concrete porch (not under the house, thankfully). They had to cut into part of the porch, replac...
by tuningfork
Mon Nov 26, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 2095

Re: Upgrade Canon 60D to FF or new iPhone?

A telephoto lens can also be a prime lens. Prime vs zoom is orthogonal to focal length. However if she takes her kit on airplanes or hiking weight and size become issues. Something to consider when buying. I've taken full frame cameras on cruises and what I've ended up taking is smaller aperture le...
by tuningfork
Sun Nov 25, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 25579

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

But ... after two days, I still have not received an email with a link or instructions to download the software. The status still shows as "preparing order", "email will be sent". Just chatted with the help center, and they're telling me it will take up to 48 hours for the gift card department to r...
by tuningfork
Sun Nov 25, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 6045

Re: The psychology of withdrawing from your portfolio

I spent the first 6 months of retirement watching my finances like a hawk. Accounting for nearly every penny spent, frequently checking account balances, being very careful to make sure I hadn't missed some major category of expenses that would ruin my plan, and thinking how I might reenter the work...
by tuningfork
Fri Nov 23, 2018 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 25579

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

Can someone who downloaded or bought DELUXE 2018 confirm it contains Schedule D? Reading online, it kinda looks like Deluxe no longer has that? I was looking here under Deluxe, and this does not state Schedule D is included: https://www.hrblock.com/online-tax-filing/deluxe-online-tax-filing/ Edit: ...
by tuningfork
Fri Nov 23, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 25579

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Walmart has 2018 deluxe+state for $18 https://www.walmart.com/ip/H-R-Block-Tax-Software-2018-Deluxe-State-Win-Email-Delivery/810000421 Walmart's price went down again - I just bought it for $18.17. Thank you! Got it for $18.17, a far cry from the $34.95 "lowest price of the year" offered to me dire...
by tuningfork
Fri Nov 23, 2018 1:41 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 25579

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Walmart has 2018 deluxe+state for $18 https://www.walmart.com/ip/H-R-Block-Tax-Software-2018-Deluxe-State-Win-Email-Delivery/810000421 Walmart's price went down again - I just bought it for $18.17. Thank you! Got it for $18.17, a far cry from the $34.95 "lowest price of the year" offered to me dire...
by tuningfork
Wed Nov 21, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 6689

Re: LastPass vs BitWarden

Although I'm happy with Lastpass, I both love and fear the cloud aspect. I like that I can be updating passwords on my desktop and know that the next time I use my phone or chromebook the correct password will be there. Having said that, the cloud storage of those passwords does present some proble...
by tuningfork
Tue Nov 20, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 6689

Re: LastPass vs BitWarden

Btw, my thinking on length is that for static situations like zipped files, it's good to have a long password if it's stored on the cloud. To protect from brute forcing. But for online/server/web type situations like email, bank accounts, the password can be of comparatively shorter (still long ove...
by tuningfork
Tue Nov 20, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 6689

Re: LastPass vs BitWarden

Btw, my thinking on length is that for static situations like zipped files, it's good to have a long password if it's stored on the cloud. To protect from brute forcing. But for online/server/web type situations like email, bank accounts, the password can be of comparatively shorter (still long ove...
by tuningfork
Tue Nov 20, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 6689

Re: LastPass vs BitWarden

"Bitwarden uses end-to-end encryption (e2ee) ... there is no way to recover your data if you lose your master passphrase. This is in contrast to services such as LastPass, which do not use e2ee, and can therefore recover your account if you lose your password. But they can also hand over your data ...
by tuningfork
Tue Nov 13, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Garmins & Fitbits: Worth it for non-athletes?
Replies: 43
Views: 2913

Re: Garmins & Fitbits: Worth it for non-athletes?

I bought a Fitbit Alta HR early this year. It's a mixed bag, and I'm somewhat disappointed. The hourly reminder to move comes at the same time each hour even if you're currently active, so for me it's just a "it's 10 minutes before the hour" notification. There are plenty of times when 10 minutes be...
by tuningfork
Mon Nov 12, 2018 8:49 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1020
Views: 85544

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I predict Fidelity will not charge any monthly fees to these accounts. I predict (hope) that Fidelity will charge lower fees than other HSA providers to further establish them as a low-cost leader and to attract new accounts, and I predict (hope) that those fees will be waived for anyone who mainta...
by tuningfork
Sun Nov 11, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1020
Views: 85544

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

This would be very good news. On my quest toward simplification I've consolidated all my investment accounts at Fidelity and Vanguard, except for my pesky HSA at HSA Bank (and the linked brokerage account at TD Ameritrade). Even if the fees are a little higher than HSA Bank, I will gladly move my HS...
by tuningfork
Sun Nov 11, 2018 12:13 am
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4611

Re: Recommend Chrome ad-blocker

I use Privacy Badger and do not see any of the ad spots you noted on those articles. It looks like I asked PB to block all third-party origins on CNET.com. I use Adblock and Privacy Badger. Default settings showed those ads in OP. I went to Privacy Badger and told it to block all the CNET-related d...
by tuningfork
Sun Nov 11, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: question from "not the smartest personal computer guy in the world"
Replies: 12
Views: 1756

Re: question from "not the smartest personal computer guy in the world"

My advice, which echoes what some others have said: First, get a Password Manager like Lastpass or Keepass. Storing your passwords in a password-protected spreadsheet may or may not be secure, depending on the version of Excel, the strength of your password, etc. A Password Manager will generate com...
by tuningfork
Sat Nov 10, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4611

Re: Recommend Chrome ad-blocker

I use Privacy Badger and do not see any of the ad spots you noted on those articles. It looks like I asked PB to block all third-party origins on CNET.com. I use Adblock and Privacy Badger. Default settings showed those ads in OP. I went to Privacy Badger and told it to block all the CNET-related d...
by tuningfork
Thu Nov 08, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for bonus without knowing amount?
Replies: 32
Views: 1970

Re: How to plan for bonus without knowing amount?

Regattamom wrote:
Thu Nov 08, 2018 10:07 am
The company is over 150 years old and very stable.
I once worked for a company that was over 100 years old and very stable. That company no longer exists. Bonuses were good until they suddenly weren't. Some things can change surprisingly quickly.
by tuningfork
Wed Nov 07, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 25579

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I have received two emails offering this software for $34.95 but none offering $29.95. I also used H&R Block for the past two years. I feel left out but may take advantage of the $34.95 offer. I got the $34.95 offer. Long time H&R Block user. The past two years I took the initial offer to get it in...
by tuningfork
Sat Nov 03, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 309
Views: 25579

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I use H&R Block software to prepare my state taxes, but rather than paying the fee to e-file, I go to my state's free online tax filing website. Transcribe the numbers, takes 5 minutes, submit. Free. This is for Colorado. Your state may not have this option.
by tuningfork
Sat Nov 03, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct automatic redemption of Savings Bonds
Replies: 4
Views: 687

Re: Treasury Direct automatic redemption of Savings Bonds

I have one bond maturing every 2-3 months for the next 10 years. Although the login process is a pain, it's a lot more convenient than driving to the bank to redeem a paper bond. Treasury Direct sends an email when a bond matures, so that's the reminder to login and initiate the transfer. Not really...
by tuningfork
Sat Nov 03, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Treasury Direct automatic redemption of Savings Bonds
Replies: 4
Views: 687

Re: Treasury Direct automatic redemption of Savings Bonds

Thanks, that's what I feared. I guess I'll have to deal with TD's annoying password entry game every time a savings bond matures. :?
by tuningfork
Sat Nov 03, 2018 10:59 am
Forum: Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2778

Re: Get out of Morgan Stanley!

Since you already have an account at Fidelity, call your rep and ask if they will give you free trades for a $400K account transfer. Then you can transfer in-kind to Fidelity and use your free trades to reinvest in index funds. As others have said you'll want to look at the cost basis of each invest...