Search found 423 matches

by tuningfork
Wed Jan 09, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 2792

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: 8230

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: 2197

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: Investing - Help with Personal Investments
Topic: H&R Block 2018 Deluxe reduced price
Replies: 6
Views: 919

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: Investing - Help with Personal Investments
Topic: Withdrawal phase - Monthly vs Annually in Retirement?
Replies: 28
Views: 2536

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: 236

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: 852
Views: 64282

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: 1000

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: 852
Views: 64282

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: 6734

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: 6319

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: Investing - Help with Personal Investments
Topic: TD security: is more, more?
Replies: 7
Views: 800

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: 5888

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: 549

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: 549

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: 6282

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: 2054

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: 267
Views: 20684

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: 5956

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: 267
Views: 20684

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: 267
Views: 20684

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: 267
Views: 20684

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: 4500

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: 4500

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: 4500

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: 4500

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: 2876

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: 852
Views: 64282

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: 852
Views: 64282

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: 4516

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: 1735

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: 4516

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: 1937

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: 267
Views: 20684

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: 267
Views: 20684

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: 670

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: 670

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: Investing - Help with Personal Investments
Topic: Get out of Morgan Stanley!
Replies: 22
Views: 2653

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...
by tuningfork
Fri Nov 02, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Treasury Direct automatic redemption of Savings Bonds
Replies: 4
Views: 670

Treasury Direct automatic redemption of Savings Bonds

A few years ago I converted all my paper savings bonds to electronic bonds at Treasury Direct. I connected my bank account to TD, chose a tax withholding percentage, and waited for my bonds to start maturing. Based on reading FAQs I was expecting as each bond matured it would be redeemed, tax withhe...
by tuningfork
Fri Nov 02, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Offsite data storage
Replies: 10
Views: 1110

Re: Offsite data storage

If you're looking at cloud as your off-site storage, expect to pay at least $5 per terabyte per month. That's what Backblaze B2 charges, which is what I'm using for more than one TB. Last time I looked, the typical consumer storage services like Dropbox, Google Drive, Microsoft OneDrive, etc. limite...
by tuningfork
Sun Oct 14, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1272

Re: Vanguard does not recognize my restricted computer

dknightd wrote:
Sun Oct 14, 2018 10:18 am
Sometimes an OS upgrade will make your computer unrecognizable.
A browser upgrade sometimes does that too. With automatic updates by browsers and OS's being increasingly common, you can't easily control when your device looks like a different device.
by tuningfork
Sat Oct 13, 2018 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6144

Re: Neighbor discussing finances with me

A good friend of mine told me that her financial adviser didn't charge fees. :shock: I kept my mouth shut and we're still good friends. Same here with a former co-worker. He tells me "All his advice is free" and "My annual review with him is free" and "He's got us in all these great funds" and so o...
by tuningfork
Thu Oct 11, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 167
Views: 26034

Re: Oatmeal suggestions

The biggest difficulty I've had with most ways to prepare oatmeal is the likelihood that the stove top or microwave container will boil over, requiring careful monitoring. Fixed by making oatmeal in the Instant Pot pressure cooker. It takes longer but I can do other things while the oatmeal is cooki...
by tuningfork
Mon Oct 01, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 13
Views: 1409

Re: another chromebook or?

If the issue was solved, it would be solved on your current chromebook as well. Perhaps it's time to upgrade to a cloud ready printer? This was going to be my reply. Keep your Chromebook, buy a new printer that support cloud printing. A Brother/Wi-Fi printer will be less than a new Chromebook. http...
by tuningfork
Sun Sep 30, 2018 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Moving rollover IRA into traditional IRA
Replies: 8
Views: 755

Re: Moving rollover IRA into traditional IRA

A contributory IRA is currently protected in bankruptcy for 1.283mm with a 3 year inflation adjustment coming 4/1/2019. A rollover IRA is protected under the same conditions without a dollar limit. Would this same Rollover IRA protection apply to Roth IRAs that were funded by conversions from a Rol...
by tuningfork
Wed Sep 26, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3449

Re: Am I using facebook correctly?

Facebook's purpose is to sell advertising and sell your information to other companies. Connecting you to other people is ancillary to that purpose. The more time you spend on the site, the more ads you see. The more time you spend scrolling past unwanted posts to get to the ones you want, the more ...
by tuningfork
Tue Sep 25, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2426

Re: Flu shot reaction? Getting flu shot this year?

I've been getting annual flu shots for at least 15 years, never any reaction. However, once I started getting those shots I stopped having my usual winter illnesses that had flu-like symptoms. I used to get the shot at Safeway, where they would do it for free (insurance paid 100%) and give me a coup...
by tuningfork
Sun Sep 23, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Fidelity cobrowser??
Replies: 34
Views: 2831

Re: Fidelity cobrowser??

I finally got an answer from Fidelity, by going through their customer service chat. According to their rep, yes, this is legitimate. It's a new support feature they are working on rolling out, and I just happened to be unlucky enough to have accidentally tripped it before they announced. It's legi...
by tuningfork
Sun Sep 23, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10274

Re: How real is cyber risk?

The Bogleheads are different from the American population at large in several key ways: - The Bogleheads have more money to lose. - The Bogleheads discuss their finances in this Forum and thus are more likely to become targets. - Many Bogleheads are STEM, legal, medical and financial professionals....