Search found 1168 matches

by AAA
Wed Oct 16, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Cleaning dehumidifier
Replies: 3
Views: 280

Cleaning dehumidifier

We have a portable dehumidifier that we've used in our basement the past three summers. After the previous two summers, we would clean out the collection container with water and a capful of bleach, as per the recommendation by the manufacturer. This year, there is a layer of yellow sludge at the bo...
by AAA
Wed Oct 09, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Premiums when collecting Social Security benefits
Replies: 7
Views: 1063

Re: Medicare Premiums when collecting Social Security benefits

I didn't follow all of the detail in your post, but will relate what happened to us which I think is relevant. Spouse was going to start collecting Social Security at age 66. She had been paying the Medicare premium quarterly as each bill was received. The last bill covered the month before she was ...
by AAA
Sun Sep 29, 2019 7:27 pm
Forum: Personal Investments
Topic: Question about allocation to stable value fund
Replies: 8
Views: 581

Re: Question about allocation to stable value fund

Let me ask this - as the SVF consists of high quality government, mortgage and corporate bonds, along with the GIC's which I understand are in place to "guarantee" principal and interest, can one conclude that the risk of the SVF is no worse than that of a typical "total bond" fund, and perhaps even...
by AAA
Sat Sep 28, 2019 1:01 pm
Forum: Personal Investments
Topic: Question about allocation to stable value fund
Replies: 8
Views: 581

Re: Question about allocation to stable value fund

This SVF, like all others, is not a publicly traded fund and information is fairly limited so I don't have any further details about it.
by AAA
Sat Sep 28, 2019 9:47 am
Forum: Personal Investments
Topic: Question about allocation to stable value fund
Replies: 8
Views: 581

Question about allocation to stable value fund

A CD recently matured in my Vanguard IRA. This was part of my most conservative asset allocation but I have been reluctant to purchase another CD there because of the low interest rates available (and I want to avoid the hassle of moving it to a new custodian that might have better rates). So I had ...
by AAA
Sun Sep 22, 2019 12:26 pm
Forum: Personal Investments
Topic: Login to SSA.gov is a PAIN but ...
Replies: 9
Views: 1248

Re: Login to SSA.gov is a PAIN but ...

Vanguard sends me security codes before logging in, but usually only the first time I use an un-recognized computer. Subsequent logins from that computer don't require the authentication code. I routinely clear browser history after each Vanguard login so they require the authentication code each t...
by AAA
Sat Sep 07, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3303

Re: Laser or inkjet

You may not be concerned about this, and it may elicit some sarcastic comments, but there is a potential health issue with laser printers emitting toner dust into the air. Seriously, if that doesn’t get you there are x number of other ways that will. A little poison is actually good for your immune...
by AAA
Tue Sep 03, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: What's the most secure way to encrypt a PDF?
Replies: 9
Views: 592

Re: What's the most secure way to encrypt a PDF?

In Mac OS, if you open the pdf with Preview and then select File/Export there is an option to save it as an encrypted file with a password. I'm not sure how good the encryption is. Maybe someone can comment.
by AAA
Fri Aug 30, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3303

Re: Laser or inkjet

You may not be concerned about this, and it may elicit some sarcastic comments, but there is a potential health issue with laser printers emitting toner dust into the air.
by AAA
Fri Aug 23, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: temporary attachment to bathtub faucet?
Replies: 17
Views: 858

Re: temporary attachment to bathtub faucet?

Right, but I have a fixed shower head. I would prefer not to have the existing plumbing messed with. But it sounds like I may have to keep just dumping mugs of water on the tub, since the temporary ones don't seem to work, according to the reviews and replies above, as one would like. Here's a shor...
by AAA
Fri Aug 23, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: temporary attachment to bathtub faucet?
Replies: 17
Views: 858

Re: temporary attachment to bathtub faucet?

Maybe I'm not understanding what you are asking, but we have a typical detachable shower head on a hose and I use it to rinse off the soap from all parts of the tub after cleaning it.
by AAA
Tue Aug 20, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1304

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

I guess it comes down to personal preference. In my case, I like to sit down with someone face to face to do these things. I made an appointment with Social Security and brought the required documents when I applied for Soc. Sec. and Medicare. Also, at my spouse's appt. to sign up for Medicare, the ...
by AAA
Thu Aug 15, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3257

Re: Dishwasher Fiasco

I am very surprised that people here are telling someone without any electrical experience to do that work themselves.
by AAA
Tue Aug 13, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10493

Re: Healthy fast food

As was previously mentioned, look at Asia. If it is toxic, where are the bodies in the streets? If Asians eat a lot of MSG and are overall healthier than Americans, it's not logical to conclude that MSG is okay to eat. It could just mean that their overall diet is much healthier than Americans so t...
by AAA
Mon Aug 12, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10493

Re: Healthy fast food

sschoe2 wrote:
Mon Aug 12, 2019 8:03 pm
MSG is monosodium glutamate. It is just the amino acid glutamate with a sodium counter ion.
Is that like saying that H2O2 is just water with an extra oxygen atom?
by AAA
Sun Aug 11, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10493

Re: Healthy fast food

Restaurant food is designed to attract and retain customers. As such, the levels of fat, salt and sugar are usually quite high. It's also designed to maximize profit, so the quality in many cases is low i.e. white bread, white rice, preservatives, etc.
by AAA
Sun Aug 11, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10493

Re: Healthy fast food

As Chick-Fil-A was suggested here as a healthy alternative, I without comment and for information present the ingredients of their Nuggets, as listed on their website: Chicken (boneless, skinless chicken breast meat nuggets, seasoning [salt, monosodium glutamate, sugar, spices, paprika], seasoned co...
by AAA
Thu Aug 08, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Money Market and CD rates - what does it mean?
Replies: 8
Views: 819

Re: Money Market and CD rates - what does it mean?

ohai wrote:
Thu Aug 08, 2019 1:05 pm
It just means short term rates are higher than 5y rates... What that implies and whether that is important is orthogonal to your question.
As I am asking what the rates are telling us, "what that implies" is colinear to my question.
by AAA
Thu Aug 08, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: Need help understanding Dividend and Capital Gains
Replies: 13
Views: 800

Re: Need help understanding Dividend and Capital Gains

If the company decides to pay 3$ dividend per share, you will receive 300$ for your 100 shares. And that after the distribution the share will now be worth 97$. You will now own 9700$ in shares and have 300$ cash. Then what is the advantage of receiving the dividend? Why invest in funds that have h...
by AAA
Thu Aug 08, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: Money Market and CD rates - what does it mean?
Replies: 8
Views: 819

Money Market and CD rates - what does it mean?

I notice at this time that Vanguard's Federal and Prime MM funds are currently yielding about 2.2%, which is higher than even the best 5 year CD being offered. I know that no one can predict future interest rates. But I think this is a somewhat unusual situation and would like to know what it's tell...
by AAA
Wed Aug 07, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 543

Re: Question about rental lease agreement

I'm not sure of all you are asking. The first lease was for a one year term, no mention of month-to-month. The new lease is not the same with just a change of dates. There is a new paragraph right up front explicitly saying it is month-to-month starting July 1, 2019. The landlord is pointing out, h...
by AAA
Wed Aug 07, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 543

Re: Question about rental lease agreement

Questions: 1. Tenant has occupied rental for over 1 year? What the lease when he lst moved in a 1 year lease? 2. "Current" lease begins July 1, 2019. It is a 1 year lease "SIGNED and/or INITIALED" next to date changes by "both parties", or just the landlord? 3. Is the "Current" lease an edited copy...
by AAA
Wed Aug 07, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 543

Re: Question about rental lease agreement

adamthesmythe wrote:
Wed Aug 07, 2019 1:34 pm
The entire lease as a whole needs to be read carefully.
That should apply to the landlord as well as the tenant. It would seem landlord should be responsible for correcting any mistakes or contradictory terms.
by AAA
Wed Aug 07, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 543

Re: Question about rental lease agreement

To get the facts straight - he/she moved into this rental residence just last month - and now plans to move out soon, right? Did he/she specifically have this moving out possibility in mind when moving in? This was a renewal lease. He did not just move in. Somewhere is the lease, there is probably ...
by AAA
Wed Aug 07, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 543

Question about rental lease agreement

Someone I know who is renting has made plans to move out for various reasons. At the beginning of the current lease agreement it says that it is to commence on July 1, 2019 and be month-to-month until either the tenant or the landlord gives appropriate notice. That is the clause that he was relying ...
by AAA
Thu Aug 01, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches - Update

In case anyone is still following this thread, I just wanted to update my experience with the Seiko 5 as the reason for starting this thread was concern about its accuracy. Upon receiving the watch one week ago, I set the hour and minute hands by the display on my phone as the second hand does not s...
by AAA
Tue Jul 30, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5180

Re: Capital One data breach

Well, I guess my thinking goes this way: 1. Institution that has my cable account has an automatic transaction to pull from my checking account setup. 2. Institution gets compromised and they now have my account access. 3. They (bad guys) do a pull for the current balance. They (bad guys again) do ...
by AAA
Tue Jul 30, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5180

Re: Capital One data breach

As a huge user of CapitalOne credit cards and a user of their savings products, I am definitely concerned. I know it won't do anything, but I will use Chase products more and CapitalOne products less because of this breach. Isn't it just a matter of time before every company is affected in this way?
by AAA
Mon Jul 29, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4028

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

It really depends on how the Airport is configured. If it is simply acting as a WiFi gateway, with the Fios modem as the primary router for your network, then it offers no additional security from inside your network. If it creates its own network, then it may provide some additional protection by ...
by AAA
Sun Jul 28, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4028

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

While we're on the topic, I would like to ask a question - I have a FIOS modem but usually it's "radio" (WiFi) is turned off as I use an Apple Airport basestation that is connected to one of its ethernet ports. I have some WiFi cameras that were set up to be on the Fios WiFi. Before I go out I enabl...
by AAA
Sat Jul 20, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries at Marcus/GS Bank? (Cannot specify percentages or primary/secondary).
Replies: 8
Views: 515

Re: Beneficiaries at Marcus/GS Bank? (Cannot specify percentages or primary/secondary).

It appears these things are to a large extent up to the institution and are not done the same everywhere. For instance, Vanguard does not allow beneficiaries to be specified on joint accounts. I don't know why - maybe someone here does. I can do so at other places.
by AAA
Thu Jul 18, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

After further consideration, I decided to get a Seiko 5 automatic. If my current quartz ever stops working, it will probably be replaced with an Eco-Drive.

I appreciate all the input.
by AAA
Thu Jul 18, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Explaining the magic of compound interest to teenagers
Replies: 107
Views: 6128

Re: Explaining the magic of compound interest to teenagers

The example of doubling a penny every day for a month is instructive but 100% daily interest is not very realistic.

How about an example of starting with $1000 and getting 5% simple interest vs. 5% compound interest every year. After 20 years, you end up with $2000 vs. $2653, respectively.
by AAA
Thu Jul 11, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

Those of you not interested in making a statement, but at the same time celebrating their Star Wars themed electronic watch for being off one second per month: Your cellphone always shows the exact time, therefore you don't need a watch. And you are indeed making a statement, although you might be ...
by AAA
Thu Jul 11, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

Then an automatic watch is not for you. I dealt with Quartz for many, many years. I got tired of replacing the battery every couple of years. (yes, it gets tiring). And people are questioning my reluctance to adjust a watch once a week! :wink: But I know what you mean. But, I didn't like the accura...
by AAA
Thu Jul 11, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

open_circuit wrote:
Thu Jul 11, 2019 9:19 am
Another vote for a Seiko 5 if you want an inexpensive automatic with a good movement to get started. I have had one for many years and quite like it.
How often do you adjust the time?
by AAA
Thu Jul 11, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

What exactly do you do that requires accuracy to within 1 minute per week? Should I forget to adjust the watch periodically, I could find myself rushing to the station to catch the 10:05 train only to find out that it left 2-3 minutes ago. I'm not interested in the watch as jewelry or to make a sta...
by AAA
Thu Jul 11, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

azanon wrote:
Wed Jul 10, 2019 8:56 pm
So sorry if I came off brash.
Thanks but not necessary as I didn't take it as brash.
by AAA
Wed Jul 10, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Re: Automatic Watches

It doesn't really matter how accurate it is right? This is the only home-run jewelry piece that men can wear. So it's jewelry and everything else about the watch is ancillary. If you need the time, pull out your iphone that you know is in your pocket. I wasn't really after jewelry. As I like having...
by AAA
Wed Jul 10, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5794

Automatic Watches

I started looking into modestly priced (< $200) automatic (mechanical, self-winding) watches, just as a refuge from the digital, battery-powered world we live in. I was surprised, however, to read about their accuracy, that even a watch costing much more than I would consider spending could be off b...
by AAA
Tue Jul 09, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9552

Re: Who cuts your hair? And for how much?

I go about once every couple of months to someone in an old-fashioned barber shop. He charges $15 and I give him $20. He likes to talk. Years ago, when I was new in town someone recommended one of those hair styling places. I was very uncomfortable there - they washed my hair, which I thought was un...
by AAA
Sun Jun 30, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Windows Defender and Malwarebytes
Replies: 17
Views: 1649

Re: Windows Defender and Malwarebytes

periodically i get a notification that defender has been turned off (i didn't do it!) so i have to go in and turn it back on. i have no idea why that happens. How does one find out that Defender has been turned off and how does one select which program is used? Edited: Okay, I found the Windows Sec...
by AAA
Thu Jun 06, 2019 7:31 pm
Forum: Personal Investments
Topic: brokered CDs from fidelity/vanguard, bank reputation?
Replies: 28
Views: 2432

Re: brokered CDs from fidelity/vanguard, bank reputation?

I am thinking about buying brokered CDs from Fidelity or Vanguard. Do I need to worry about the reputation of the banks where the CDs come from? My understanding is that this would only be a factor if you ever wanted to sell the CD early on the secondary market. Large CD brokers who buy and sell su...
by AAA
Mon Jun 03, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Recommend a small inexpensive laser printer?
Replies: 39
Views: 2684

Re: Recommend a small inexpensive laser printer?

I was thinking of replacing my ink jet printer with a laser printer but read about health concerns of breathing in toner particles that get into the air, especially in enclosed areas or when doing a lot of printing. I was wondering if a knowledgeable person can comment on that (as opposed to uninfor...
by AAA
Mon Jun 03, 2019 8:32 am
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7981

Re: Just Got a Call From Fidelity

When I rolled over some 401K funds to Fidelity they wanted to get to know my situation more than I wanted them to. I just politely declined any offer for advice and they let me be.
by AAA
Tue May 28, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 14966

Re: No more print Money magazine

aspirit wrote:
Sat May 25, 2019 11:26 pm
TYCB :wink:
?
by AAA
Tue May 28, 2019 10:09 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1498
Views: 157112

Re: [What TV Show Have You Recently Watched?]

The Hot Zone, now showing on Nat Geo based based on an actual Ebola event, is very good, and as scary as the book was. I recorded this and got through about 15 minutes but was put off by the obvious product placement. The lady says I'll go get the ----- (brand of soda). A couple of minutes later, h...
by AAA
Sun May 26, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2438

Re: Should I replace my AC?

Turbo29 wrote:
Sat May 25, 2019 9:39 pm
I had to have them as a condition of a 10yr vs a 5yr warranty on the unit (parts and labor).
That's interesting because when we replaced our a/c a few years ago I asked the salesman if we had to have annual inspections to maintain the ten year warranty and he said no.
by AAA
Sat May 25, 2019 9:27 pm
Forum: Personal Consumer Issues
Topic: Should I replace my AC?
Replies: 27
Views: 2438

Re: Should I replace my AC?

abs9986 wrote:
Fri May 24, 2019 2:48 pm
Just had my annual HVAC inspection...
Jumping in here with a related question - is an annual a/c inspection of any value if the unit is working as expected? What would need servicing?
by AAA
Thu May 16, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7748

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

The website https://informedforlife.org addresses a lot of auto safety issues and its ratings appear to give a lot of weight (no pun intended) to vehicle weight.