Search found 268 matches

by jerryk68
Sat Mar 02, 2024 7:26 am
Forum: Personal Consumer Issues
Topic: Blocking callers on Iphone
Replies: 22
Views: 2194

Re: Blocking callers on Iphone

I use to get six to eight spam calls a day on my house phone. I am down to about that number in a week. I think I maybe on the spammers do not call list but who knows? Most calls just hang up, some leave a message and some I engage. When I pick up a call and it's a spammer and I have the time I go into full "spam the spammer mode". It usually only takes the spammer a minute or two before they are asking for something. Whatever they ask for I tell them it's upstairs and to please hold on that it will only be a few minutes as I now have an extra walker on the second floor. I just put the phone down and go about my business never going upstairs. My goal is to keep them on the phone for as long as possible. In five to ten minutes I ch...
by jerryk68
Mon Jan 29, 2024 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement...Have done everything right (I think) and still nervous..
Replies: 56
Views: 9764

Re: FERS Retirement...Have done everything right (I think) and still nervous..

You are young enough to get another job if you want. I retired 25 years ago and took a job for another 10 years in the banking sector. I invested my pension and lived on my salary. I really enjoyed the work change. Just to let you know as an 1811 you may qualify for the Public Safety Officers (PSO) tax exclusion for health insurance. Enjoy the savings. If I didn't thank you then when you posted this, I am now, and it is on my radar for tax season! Many thank-you's.... Your Welcome. Now that you are semi-retired you have a lot of things to consider like Roth conversions to reduce your income exposure to taxes/RMD which can affect the price you pay for Medicare should you decide to purchase same. I purchased Medicare Part B and you should al...
by jerryk68
Tue Jan 23, 2024 6:54 am
Forum: Personal Consumer Issues
Topic: Sliding patio door replacement
Replies: 20
Views: 2982

Re: Sliding patio door replacement

Went with Pella 15 years ago with the sliding screen door on the inside. No problems would highly recommend.
by jerryk68
Wed Jan 03, 2024 10:26 am
Forum: Personal Consumer Issues
Topic: Cheapest phone service in US. Pre-paid?
Replies: 49
Views: 7268

Re: Cheapest phone service in US. Pre-paid?

I listen to the Clark Howard podcast on my daily walks. He has a running cell phone evaluation review that he updates every couple months which could help your decision.
https://clark.com/
by jerryk68
Fri Dec 08, 2023 4:58 pm
Forum: Personal Consumer Issues
Topic: Should I worry about personal info shared during scam phone calls?
Replies: 26
Views: 2755

Re: Should I worry about personal info shared during scam phone calls?

I have gotten two spam calls in the last two days and over the last month the calls have dropped off significantly. I usually get 6 to 8 a day. What's going on? Have the spammers finally given up on me? I usually don't answer the any calls unless I recognize the number but when I do I go into full tuna fishing mode. Spammers will think they have an easy mark. Whatever they ask for is always upstairs and it's going to take me a few minutes to get up there so they should hold on until I pick up the extension. I then proceed to put the phone down and go about my business downstairs. I pick up the phone every five minutes or so and give an update of my process in finding what the spammers want. My record holding the spammer on the phone was abo...
by jerryk68
Fri Nov 24, 2023 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2023 software offer
Replies: 246
Views: 39278

Re: H&R Block 2023 software offer

Bought the deluxe program plus a state for $24.99 at Walmart and in addition I used my PayPal CC for an additional savings of 3% off. Woo hoo
by jerryk68
Sat Oct 28, 2023 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Retirement...Have done everything right (I think) and still nervous..
Replies: 56
Views: 9764

Re: FERS Retirement...Have done everything right (I think) and still nervous..

You are young enough to get another job if you want. I retired 25 years ago and took a job for another 10 years in the banking sector. I invested my pension and lived on my salary. I really enjoyed the work change. Just to let you know as an 1811 you may qualify for the Public Safety Officers (PSO) tax exclusion for health insurance. Enjoy the savings.
by jerryk68
Tue Oct 17, 2023 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: 529 - paying off a student loan for my daughter's husband? Pro / Con?
Replies: 58
Views: 5869

Re: 529 - paying off a student loan for my daughter's husband? Pro / Con?

Transfer it to the "grandkid". Let the son-in-law pay his own debts.
by jerryk68
Thu Sep 28, 2023 3:12 pm
Forum: Personal Consumer Issues
Topic: Cell phone and landline
Replies: 63
Views: 7326

Re: Cell phone and landline

I did your journey about 5 years ago and went with free Google Voice using an Obihai 200 device. The Obihai device is approaching end of life date this December so I am researching to see if I need to replace my Obihai device. I kept my 5 house phones with my 20+ year old answering machine. I purchase 911 service thru GV911.com for $1 a month. It's important to have 911 service for kids and the elderly. Don't cheap out that. My house phone and my cell phone ring at the same time. My AT&T cell phone plan is very good at identifying spam calls. If you decide to use your house phones be sure to unhook the Verizon phone power cord to avoid a power surge. I stayed with Verizon internet for $39.99 a month by using a debit card and I purchased...
by jerryk68
Thu Jul 20, 2023 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: T-Mobile, Xfinity, AT&T now requiring bank accounts to retain auto-pay discount
Replies: 177
Views: 21574

Re: T-Mobile cancelling credit card payment asking for banking information instead !

Looks like my AT&T phone plan is also changing their payment policy. I received the following email yesterday As early as October 2nd, the AutoPay and Paperless discount for customers paying by credit card will change from $10 to $5 per line. You currently have a credit card on file. If you’d like to continue receiving your $10 monthly AutoPay & Paperless discount per line, go to att.com/change or call us at 800.331.0500 to update your payment type to a debit card or bank account. Want to continue using the credit card on file? No problem. We will continue to process your bill and payment as usual, now with a monthly $5 discount per line. We want you to get the most value from your AT&T service. For more details about this chang...
by jerryk68
Mon Jul 03, 2023 7:13 pm
Forum: Personal Investments
Topic: Firefighter pension plan / where else to put money
Replies: 12
Views: 1709

Re: Firefighter pension plan / where else to put money

Sometimes firefighters and policemen are required to retired before a certain age for various reasons. As a previous commentator said you don’t want to be fighting fires or climbing ladders to the second/third floor in your sixties. With that being said, you still need health insurance when you retire until at least you are eligible for Medicare or even after you have Medicare. Firefighters, law enforcement and others are considered public safety officers (PSO) for tax purposes and retired public safety officers may be able to reduce their taxable income by excluding up to $3k from their income for health, dental, vision and long term care insurance premiums. This is a federal income tax program but there are conditions that must be met to...
by jerryk68
Mon Jul 03, 2023 3:52 pm
Forum: Personal Investments
Topic: Firefighter pension plan / where else to put money
Replies: 12
Views: 1709

Re: Firefighter pension plan / where else to put money

Sometimes firefighters and policemen are required to retired before a certain age for various reasons. As a previous commentator said you don’t want to be fighting fires or climbing ladders to the second/third floor in your sixties. With that being said, you still need health insurance when you retire until at least you are eligible for Medicare or even after you have Medicare. Firefighters, law enforcement and others are considered public safety officers (PSO) for tax purposes and retired public safety officers may be able to reduce their taxable income by excluding up to $3k from their income for health, dental, vision and long term care insurance premiums. This is a federal income tax program but there are conditions that must be met to ...
by jerryk68
Wed Jun 07, 2023 8:36 am
Forum: US Chapters
Topic: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]
Replies: 49
Views: 9897

Re: June 6, 1944 D Day and General Patton [D-Day plus 11 days, a war article by Ernie Pyle]

My father served as a private under Patton in the 6th Armored Division(Super 6th), 50th Infantry Battalion Company B. He said he never aspired to get promoted because sergeants didn't last very long. Landed at Utah beach in July 44 and ending his army service when the war ended in Germany. Four bronze stars for valor and receiving a purple heart with an oak leaf cluster (wounded twice). He refused to talk about his military experience until a couple months before he passed and then only limited conversation. I visited the same woods around Bastogne, Belgium (Battle of the Bulge) that he served in my research of his infantry battalion war experiences. According to the battle maps it was the same woods as Easy Company of the Band of Brothers....
by jerryk68
Mon Jan 23, 2023 1:51 pm
Forum: Personal Consumer Issues
Topic: 2-Day Normandy (Guided) Trip
Replies: 12
Views: 1402

Re: 2-Day Normandy (Guided) Trip

You said that you are going in the month of May. Keep in mind that May 8th is France's Victory in Europe Day which is a holiday. Not knowing it was a holiday I went to Normandy and had to parked more than a mile away from the cemetery in an open field. There had to be a couple thousand french people in that cemetery showing their appreciation and paying their respects that day. It totally changed my opinion of the french people.
by jerryk68
Fri Jan 06, 2023 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Would greatly appreciate clarification on paying bills online
Replies: 73
Views: 4871

Re: Would greatly appreciate clarification on paying bills online

Your question seems to have been answered so far. Since you mentioned Verizon, I and probably a lot of other people, have a different setup for payment. I have internet only which if I recall correctly is $49 a month. I make a payment directly to Verizon thru their website and if I use their credit card I get a $10 discount. I don't have their CC so I use my debit card from my local bank and I also get the discount. Likewise, I pay my AT&T phone bill using automatic payment with a CC that offers rewards. I like working the system. Your mileage will vary.
by jerryk68
Mon Jan 02, 2023 6:56 pm
Forum: Personal Consumer Issues
Topic: How to approach the microwave repair?
Replies: 41
Views: 3400

Re: How to approach the microwave repair?

With a repair like that I would start with utube to see if there are any videos on the repair. The videos will help you make a decision whether to attempt the repair. Many years ago I tackled a repair of an electric range when a light on the range top would not go out. After watching about a dozen videos I repaired the range. Good Luck.
by jerryk68
Fri Dec 30, 2022 4:12 pm
Forum: Personal Consumer Issues
Topic: Flight attendant travel tips
Replies: 193
Views: 22962

Re: Flight attendant travel tips

Lots of discussion on checked vs unchecked luggage. I look at it this way, the chances of a gloved TSA agent searching a bag are greater when the bag is larger and packed with lots of stuff. I always think of where those gloved hands have been prior to going thru my bags. I'm sure they have touched a lot of dirty clothes. The TSA agent is wearing those gloves for his/her own protection and not for protecting the health and cleanliness of my clothes. I'll stick with checking my bags. It's worth the money.
by jerryk68
Fri Dec 02, 2022 4:56 pm
Forum: Personal Consumer Issues
Topic: 2023 FEHB Premiums
Replies: 54
Views: 5140

Re: 2023 FEHB Premiums

After decades on BCBS Standard and then Basic we switched to Aetna Direct this year since we are both on Medicare A&B. Looks like only a $7.20 increase for 2023 for self+one. Great! This past year we paid zero out of pocket for anything, including zero for Rx due to $1800 fund. Will see what changes there are when plan brochures come out... You have piqued my interest. Which Etna Direct do you have? Seems like the are two with Direct in their name in my area. 1) Aetna HealthFund HDHP and Aetna Direct Plan - CDHP, and 2) Aetna HealthFund HDHP and Aetna Direct Plan - HDHP . Is the refund aimed at helping to offset the medicare premium, or is it some other kind of refund? CORRECTED: We have Aetna Direct CDHP (plan N6). My spouse requires ...
by jerryk68
Tue Nov 01, 2022 6:22 pm
Forum: Personal Consumer Issues
Topic: Recommendations on Free International Calling Apps for Free Internet Calls, Text & Video?
Replies: 18
Views: 1308

Re: Recommendations on Free International Calling Apps for Free Internet Calls, Text & Video?

We used Facetime when the family all had iphones but now we use Signal since some changed to Android phones. Signal is very secure. Video is outstanding
by jerryk68
Sun Oct 23, 2022 10:08 am
Forum: Personal Consumer Issues
Topic: Travel to Clearwater Florida
Replies: 16
Views: 2224

Re: Travel to Clearwater Florida

You did not mention the dates you were going. We go almost every year to Clearwater in March to attend Phillies baseball spring training. Love it.
by jerryk68
Tue Oct 11, 2022 12:29 pm
Forum: Personal Consumer Issues
Topic: Gym Membership Privacy
Replies: 12
Views: 1664

Re: Gym Membership Privacy

Been a member of PF located in a former large supermarket for about 7 or 8 years. I usually go couple times a week and every time I go I notice there is always somebody cleaning something. My checking account is debited once a month ($10) and annual dues are taken in February I think it's $29. I have no complaints. The bathrooms are clean and the machines all work and if they fail the machines repaired within a couple days. Give it a try you might end up staying.
by jerryk68
Sun Aug 21, 2022 4:19 am
Forum: Personal Consumer Issues
Topic: WhatsApp Pros and Cons
Replies: 29
Views: 2866

Re: WhatsApp Pros and Cons

This article answers some of your questions. Keep in mind if something is "free" then you are the target.

https://www.cnbc.com/2022/08/18/how-wha ... -push.html
by jerryk68
Mon Aug 15, 2022 4:12 pm
Forum: Personal Consumer Issues
Topic: I buy extended warranties, here's why.
Replies: 105
Views: 11854

Re: I buy extended warranties, here's why.

There are exclusions in all warranties. The first and only new car warranty I ever purchased was in the 1980's and I used it once for an electrical issue. The shop repaired the issue but I still had to pay for a half-dozen burned out light bulbs that were, of course, excluded. Lesson learned.
by jerryk68
Sun Jul 31, 2022 2:06 pm
Forum: Personal Consumer Issues
Topic: Antivirus/Anti-Malware for Linux
Replies: 4
Views: 1395

Re: Antivirus/Anti-Malware for Linux

You really don't need anti virus software with Linux Mint. Your question was recently asked on their forum.

https://forums.linuxmint.com/search.php ... 629bd6d34e
by jerryk68
Tue Jul 26, 2022 6:33 pm
Forum: Personal Investments
Topic: Retiring to a New Job - Looking to Glide to new AA over 7 years
Replies: 23
Views: 2627

Re: Retiring to a New Job - Looking to Glide to new AA over 7 years

Medical, dental and vision insurance is very expensive, I would guess in the $12k to $20k range for your new employer. Any chance negotiating a salary increase for not to taking insurance from the new job since you already have insurance as a retiree? The increase would have to be worth your trouble to purchase dental/vision maybe privately plus the $300 a month to cover your son.
by jerryk68
Sat Jul 23, 2022 6:38 am
Forum: Personal Consumer Issues
Topic: Converting PC to Linux
Replies: 39
Views: 3702

Re: Converting PC to Linux

I would suggest that you temporarily try Linux by booting from a thump drive to see which distro you prefer. You can get access to the top 100 linux distro's from www.distrowatch.com I use Mint (ranked third) but you might like something else. You can burn it to the thumb drive using https://www.pendrivelinux.com/universal-usb-installer-easy-as-1-2-3/ Depending on your laptop you might have to change the boot order to get it to work. In my case I turned the laptop on with the thumb drive in the USB port and press F12 to boot from the thumb drive. Some laptops it's F11. Sometimes you have to change the BIOS boot order to get it to boot. Keep in mind that Google is you friend just ask it a question and watch a lot of videos. I actually use Li...
by jerryk68
Mon Jul 11, 2022 7:06 pm
Forum: Personal Consumer Issues
Topic: Economics of an RV
Replies: 117
Views: 18795

Re: Economics of an RV

Traveling by RV is a life style, it's not done to save money on motels. Beside gas you have camp fees that can range about $30/$40 a night.
by jerryk68
Mon Jul 11, 2022 5:50 pm
Forum: Personal Consumer Issues
Topic: Is home alarm system worth it?
Replies: 51
Views: 4601

Re: Is home alarm system worth it?

I use Home Assistant which is a free and open-source software designed to be a central control system for smart home devices with a focus on local control and privacy. I have door, window, water and motion sensor alarms which when triggered can sent notifications to my smartphone. I also have a couple indoor Wyze cameras. Very satisfied.
by jerryk68
Wed Jun 29, 2022 4:27 pm
Forum: Personal Consumer Issues
Topic: How to Prevent Bird Poop on Mailbox
Replies: 42
Views: 3559

Re: How to Prevent Bird Poop on Mailbox

Try some bird scare tape which is sold in hardware stores, Amazon, and ebay. Birds also don't like the scent of hair spray.
by jerryk68
Tue Jun 07, 2022 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Best 2% Cashback No Fee Credit Card (not travel)
Replies: 243
Views: 30305

Re: Best 2% Cashback No Fee Credit Card (not travel)

MBB_Boy wrote: Sun Jun 05, 2022 3:57 pm PayPal is 2% cashback everywhere and no fee, and 3% online when you use the PayPal button
+1
by jerryk68
Tue May 31, 2022 6:26 am
Forum: Personal Consumer Issues
Topic: How far or how long walking per day age 70
Replies: 104
Views: 13671

Re: How far or how long walking per day age 70

I am 76 and try to walk a couple miles on a daily basis. I have the Pacer app on my phone that keeps track of my activity and it says that since March 2017 I have walked 6,318 miles in 2,450 hours. In the last year, I am more active than 86.2% of all users averaging 9970 steps a day.
by jerryk68
Fri May 27, 2022 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Public Safety Officers premium tax exclusion
Replies: 9
Views: 819

Re: Public Safety Officers premium tax exclusion

He was a county employee and had to elect PEBB right away. We didn’t hear good reviews about the plan and since I was going to work longer, he elected to go on my health insurance then switch to ACA when I retired. Just make sure that if he drops his insurance eligibility when he retires to go on your insurance that he can go back and purchase the insurance when you retire. Some retirement plans have provisions that once you drop the plan you can't get it back. Keep in mind, there are some strange rules when retiring. In my case in order to be eligible to purchase insurance in retirement you had to have had it for 5 years prior to retirement. Also have him research the PSO exclusion requirements that the IRS has. It's easy for the IRS to v...
by jerryk68
Thu May 26, 2022 5:02 pm
Forum: Personal Consumer Issues
Topic: Cell phone usage in Europe
Replies: 43
Views: 3701

Re: Cell phone usage in Europe

We're frugal Bogleheads. We use basic prepaid flip-phones for voice and text which are locked and don't support Wi-Fi calling. Yep - there are phones like that. We're heading to multiple countries in EU for a couple of weeks and it seems our only means of being able to receive an occasional call when mobile (and for SMS) will be to rent a phone. We can use Google Voice for outgoing calls from the PC when in hotels - and we can forward our existing phones to another USA number attached to a rented phone. The rented phone will be handy for GPS functions when we're out and about. Do any of you have experience with one of the phone-rental companies based here in the USA? Opinions or recommendations? Ask family and friends if anyone has an old ...
by jerryk68
Thu May 26, 2022 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Public Safety Officers premium tax exclusion
Replies: 9
Views: 819

Re: Public Safety Officers premium tax exclusion

This exclusion is for retired police officers, firefighters and others that are considered retired public safety officers (PSO Tax Exclusion). One of the requirements, and there are many, is that the health insurance premium must come directly from the pension. I would check with your local union, association or pension provider which probably dealt with this in the past.
by jerryk68
Tue Mar 22, 2022 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion in the state of Pennsylvania [state income tax]
Replies: 16
Views: 2921

Re: Roth Conversion in the state of Pennsylvania [state income tax]

PA does not tax IRA or pension benefits. Please don't tell any PA politicians.
by jerryk68
Sat Mar 19, 2022 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Is My Understanding of "IRMAA" Correct?
Replies: 28
Views: 3758

Re: Is My Understanding of "IRMAA" Correct?

Just to be clear IRMAA is based on Modified Adjusted Gross Income (MAGI) not Adjusted Gross Income (AGI). The appended article explains same.

https://www.fiphysician.com/magi-calcul ... x-credits/
by jerryk68
Mon Feb 28, 2022 6:38 pm
Forum: Personal Consumer Issues
Topic: No foreign fee, reimburse atm fee cards besides Schwab?
Replies: 53
Views: 6980

Re: No foreign fee, reimburse atm fee cards besides Schwab?

USAA 1% on debit purchases and ATM fee. No fees on their credit cards.
by jerryk68
Sun Feb 20, 2022 2:06 pm
Forum: Personal Consumer Issues
Topic: Anyone an expert mouse catcher?
Replies: 68
Views: 7083

Re: Anyone an expert mouse catcher?

They can't be smarter than traditional Victor snap traps! Go buy about a dozen of them, smash and form a raisin into the bait pan, set along every baseboard of every wall in the house or garage or entry way, point the trap with the bait against the baseboard so they have to get to it from the side, and simply throw the trap away after you have last supper guests. You'll probably have several guests initially then not many after that. Remember; these bastards are always hungry and always looking for a place to nest and generally travel along the baseboards and not out in the open. Good luck. This method has worked for me for years in my house as well as my storage building. I agree the Victor snap traps are the best. https://www.amazon.com/...
by jerryk68
Mon Feb 07, 2022 2:57 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite TV stock news channel?
Replies: 59
Views: 4955

Re: What is your favorite TV stock news channel?

Bloomberg without the noise with closed caption turned on. I use to watch a TV show called the Nightly Business Report. After forty some years on NPR and CNBC it was cancelled at the end of 2019. I miss it.
by jerryk68
Sun Nov 14, 2021 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Resume and Interview prep
Replies: 3
Views: 689

Re: Resume and Interview prep

Try mockmate.com.
by jerryk68
Tue Oct 26, 2021 8:56 am
Forum: Personal Consumer Issues
Topic: Vacation – Turn off water main?
Replies: 112
Views: 9707

Re: Vacation – Turn off water main?

When I go on vacation, I turn off the water, hot water heater (electric) and the water softer. When I return from vacation I turn the water on, I then open the valves to allow air to clear the lines. After the lines are clear of air I then turn on the hot water heater and softener.
by jerryk68
Mon Oct 18, 2021 6:35 pm
Forum: Personal Consumer Issues
Topic: Google Voice and landline
Replies: 13
Views: 1562

Re: Google Voice and landline

I ported from Verizon about 3 years ago. I did not tell Verizon I was porting my house number, I just did it. Verizon found out my number was ported when I called them to cut my cable service. Be sure to put pin numbers on all your accounts, you will need them. Also be sure to purchase E911 service, it's about $1 to $2 a month. There are several companies that sell it see the Obihai website for additional info. I use GV911.com. Switching to GV will not eliminate the scammer calls. I get about 4 to 6 a day. As a side note, when I pick up a scammer call I talk to them and when they ask for info I always tell them it's upstairs but to hold on while I get it. I then put the phone down and go about my business. My purpose is to keep them on the ...
by jerryk68
Mon Oct 11, 2021 8:41 am
Forum: Personal Finance (Not Investing)
Topic: How much is your annual pension? (actual or expected)
Replies: 151
Views: 16501

Re: How much is your annual pension? (actual or expected)

I think this post helps me understand what can be wrong with social media. When i read this post i feel just a little worse than i started. Like a teenager on facebook. I am still trying to get over the person who mentioned they have a corporate mid six figure pension. Jealousy will get me no where i know. It might be related to my past - my blood pressure still goes up whenever my friend would tell me years ago (right after i returned from iraq) her husband wasn’t around much lately because he was getting his “free money” ie, his ny police pension was half the average of his last three? years of earnings so he was working as much overtime as he could stand. The wives called that free money. Maybe the actionable item here is for us to find...
by jerryk68
Wed Oct 06, 2021 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How much is your annual pension? (actual or expected)
Replies: 151
Views: 16501

Re: How much is your annual pension? (actual or expected)

I think this post helps me understand what can be wrong with social media. When i read this post i feel just a little worse than i started. Like a teenager on facebook. I am still trying to get over the person who mentioned they have a corporate mid six figure pension. Jealousy will get me no where i know. It might be related to my past - my blood pressure still goes up whenever my friend would tell me years ago (right after i returned from iraq) her husband wasn’t around much lately because he was getting his “free money” ie, his ny police pension was half the average of his last three? years of earnings so he was working as much overtime as he could stand. The wives called that free money. Maybe the actionable item here is for us to find...
by jerryk68
Mon Aug 30, 2021 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Still waiting on tax refund in late August
Replies: 34
Views: 3443

Re: Still waiting on tax refund in late August

I sent a paper 1040 with additional forms on April 14th to Ogden, UT. A deposit plus interest was made to my bank account on August 26th. I did check on the status of my return online at where's my refund but that didn't show up their site until about August 10th.
by jerryk68
Mon Aug 09, 2021 6:08 pm
Forum: Personal Consumer Issues
Topic: What repair did you do-that was beyond your capabilities--that you are most proud of accomplishing—Post them here
Replies: 22
Views: 1815

What repair did you do-that was beyond your capabilities--that you are most proud of accomplishing—Post them here

I look at repair as an economic manner. Is it worth it or not? Sometimes it’s a toss up and I will attempt the repair myself. Other times I will attempt a repair knowing it way over my head but at least worth a try. Sometimes I fail at the attempt but I always consider the cost. A couple years ago, I attempted to switch out my iphone 5C battery but I failed. The new battery was $15 so I didn’t loose much as the iphone only had a year of life support left. Oh well. My Samsung electric range worked great but then one day the hot surface light stayed on even though the range was turned off. Everything seem to work fine but I later learned thru research that the self cleaning function of the range would not work unless that light was off. Keep ...
by jerryk68
Tue Jul 20, 2021 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 2-step verification almost every single time!
Replies: 71
Views: 10876

Re: Vanguard 2-step verification almost every single time!

I like 2FA. I want it every time I login. I also put it on every account that offers it including my banks, ebay, and amazon.