Search found 851 matches

by AAA
Mon Dec 11, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1219

Re: CDs that compound interest payments, at big brokerages ?

Yes - there will be a gain or loss when a secondary market CD matures. At Vanguard, when you look at the secondary market availability online, the yield is figured taking into account the premium or discount BUT NOT THE BROKERAGE FEE. So the income tax consequences of the capital gain or loss is so...
by AAA
Mon Dec 11, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1219

Re: CDs that compound interest payments, at big brokerages ?

You still might get slightly higher yield from the best direct CD out to 3 years, but you can get close with a brokered CD, and perhaps gain a few basis points of yield on the secondary market (but be sure to factor in commission). For example, I just bought a 3-year brokered CD on secondary market...
by AAA
Sun Dec 10, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1219

Re: CDs that compound interest payments, at big brokerages ?

Some direct CDs will renew automatically at maturity unless the money is withdrawn within 7 or 10 days. Sometimes, the renewal rate is not a good rate. So, for these direct CDs, the investor needs to pay attention to maturity dates, or she may end up with low interest CDs that are not wanted. Hopef...
by AAA
Sun Dec 10, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend where to locate roll over IRA
Replies: 12
Views: 766

Re: Recommend where to locate roll over IRA

If it were me, I'd use Merrill Edge and get a nice bonus on the transfer. But to get the best results there you should use ETFs, and you expressed a desire for mutual funds. No big deal for me to use ETF's if appropriate. Can you explain what you like about Merrill Edge? I took a quick look there a...
by AAA
Sun Dec 10, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: CDs that compound interest payments, at big brokerages ?
Replies: 16
Views: 1219

Re: CDs that compound interest payments, at big brokerages ?

There are disadvantages if you have to cash in a brokered CD early compared to a direct bank CD. Check that out if you think it may be a possibility. That said, I use them a lot for the convenience.
by AAA
Sun Dec 10, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend where to locate roll over IRA
Replies: 12
Views: 766

Re: Recommend where to locate roll over IRA

If you go to Fidelity, they also make it difficult to find their cheap index funds. Agree. And that's the impression I got on Schwab's site. The schwab cd portal seems fine to me. https://www.schwab.com/public/schwab/investing/accounts_products/investment/bonds/certificates_of_deposit Logging into ...
by AAA
Sun Dec 10, 2017 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend where to locate roll over IRA
Replies: 12
Views: 766

Re: Recommend where to locate roll over IRA

Taylor Larimore wrote:
Sat Dec 09, 2017 9:03 pm
I think you are making a mistake "to roll over to a third brokerage." Here's why:
I appreciate the opinion but I really didn't want this thread to focus on this aspect - there have been many such threads and it usually just comes down to what someone is comfortable with.
by AAA
Sat Dec 09, 2017 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Recommend where to locate roll over IRA
Replies: 12
Views: 766

Recommend where to locate roll over IRA

I’m considering rolling over the remainder of my 401k because the current custodian is poor at providing even basic information about the available non-public funds. I currently have accounts at Vanguard and Fidelity, but, rightly or wrongly, in the interests of diversity I would prefer to roll this...
by AAA
Sat Dec 09, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 58
Views: 1975

Re: What MPG App Do You Use To Track Fuel Usage ?

I'm with livesoft. I rely on my car's data. It's adequate. My car has that but I always wondered about a couple of things. The maximum instantaneous mpg displayed is 99, such as when I'm just coasting to a red light with my foot off the gas pedal. That seems like an arbitrary number. Also, when I a...
by AAA
Wed Dec 06, 2017 6:34 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10241

Re: Price of haircut?

$15 + $5 tip at traditional barber shop.
by AAA
Wed Dec 06, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 34
Views: 3496

Re: should I use vanguard's 2 step verification sign in

cmeretire wrote:
Mon Dec 04, 2017 1:15 pm
I use it at Fido but it's the same thing Vanguard uses.
With Fidelity, I use Symantec VIP Access. It generates a random number. With Vanguard, they text a random number to my phone. So not the same thing. Does each site have other options for two-factor authentication?
by AAA
Wed Nov 29, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2862

Re: Don't leave your mac unattended! It has zero security now.

I just upgraded to Mac OS Sierra, not High Sierra. I think in general it's best to wait a while and not be a guinea pig for new releases.

I wish computer companies would stop this frenetic releasing of new software as they just introduce new vulnerabilities to be exploited.
by AAA
Sat Nov 25, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1755

Re: TVs: Go for $0 or $300

lazydavid wrote:
Sat Nov 25, 2017 6:45 am
AAA wrote:
Fri Nov 24, 2017 9:16 pm
Unless your bedroom is huge, I doubt you could tell the difference between 1080p and 4k there.
You've got this exactly backwards. The smaller the room--or, more accurately, the shorter the viewing distance--the more likely that increased resolution will be apparent.
You're right. Thanks.
by AAA
Fri Nov 24, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: TVs: Go for $0 or $300
Replies: 17
Views: 1755

Re: TVs: Go for $0 or $300

Unless your bedroom is huge, I doubt you could tell the difference between 1080p and 4k there.

Edited: Not correct, as lazydavid points out below.
by AAA
Tue Nov 21, 2017 7:44 pm
Forum: Forum Issues and Administration
Topic: Notifications
Replies: 5
Views: 782

Re: Notifications

Thanks all.
by AAA
Fri Nov 17, 2017 12:18 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 867

Re: Under the sink water filter

But do the under sink filters that use activated charcoal actually do a better job than the faucet filters (PUR, Brita) or is it a matter of convenience - the cartridges are bigger so last longer and some have faucets dedicated for drinking.
by AAA
Thu Nov 16, 2017 7:54 pm
Forum: Forum Issues and Administration
Topic: Notifications
Replies: 5
Views: 782

Notifications

I was under the impression that if you start a thread you are automatically subscribed to receive notifications, but that doesn't seem to be the case. Did something change or was that never the case?
by AAA
Thu Nov 16, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 867

Re: Under the sink water filter

Is this municipal water? Yes it is. And while they do publish test results periodically, that doesn't mean something can't change in-between tests, or, as pointed out, between their end and my faucet, so I'm interested in having some filtration. I guess better taste comes along with it, although th...
by AAA
Thu Nov 16, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 867

Under the sink water filter

We will be replacing our kitchen sink in the near future. Currently, we use a faucet filter but are considering an under the sink filter (the activated charcoal type, not reverse osmosis) which I assume in general would be an improvement over what we currently use as the filter cartridges are bigger...
by AAA
Thu Nov 16, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

Re: How secure are Wi-Fi cameras?

I just thought of something and would like some opinions - I have a FIOS router but do not use their wifi and it is in fact turned off (Radio = Off setting) - it is hardwired to an Apple Airport Base Station that provides my wifi network. That is the network I would have used with wifi cameras. Sup...
by AAA
Tue Nov 14, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 123
Views: 9672

Re: H&R Block Software

If you recently purchased the 2017 program based on an email received from them saying it's their best price and there's a lower price shown in the OP's link, call them (say "representative") to get a refund. You may have to wait for a while on the phone before getting to the rep. I also had issues ...
by AAA
Tue Nov 14, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3576

Re: Chromebook vs Windows 10?

That's hoew I do it when I'm at the nursing home (like now). I just use the Chromebook print function, and the printout is stored in the cloud. When I get home I turn on my PC and the printer, and out comes the printout. Do you have security concerns about doing this if what you want to print is co...
by AAA
Sat Nov 04, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Credit Card auto-pay updates?
Replies: 9
Views: 1055

Re: Credit Card auto-pay updates?

My current Amex bill has this Notice of Important Changes re. merchants and third parties that store card information for certain purposes including recurring billing: "...you acknowledge that we may share updates to this information with these merchants and third parties...you can request that such...
by AAA
Fri Nov 03, 2017 2:10 am
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

Re: How secure are Wi-Fi cameras?

The correct way is to use your Apple Airport to create a guest network that is protected from your main network, then connect the cameras to that: https://support.apple.com/kb/PH22800?locale=en_US I've been down that road before - couldn't get the guest network to work because the FIOS router is up...
by AAA
Thu Nov 02, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

Re: How secure are Wi-Fi cameras?

I would not suggest doing this. You should have the FiOS router set in bridge mode. If you don't, you will run into an issue of double NAT: https://kb.netgear.com/30186/What-is-Double-NAT This is all going way over my head but I was going to edit my post to say FIOS modem, not FIOS router, if that ...
by AAA
Thu Nov 02, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

Re: How secure are Wi-Fi cameras?

I just thought of something and would like some opinions - I have a FIOS router but do not use their wifi and it is in fact turned off (Radio = Off setting) - it is hardwired to an Apple Airport Base Station that provides my wifi network. That is the network I would have used with wifi cameras. Supp...
by AAA
Thu Nov 02, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

Re: How secure are Wi-Fi cameras?

If someone hacked into my WIFI camera security system they would see: The front door, the porch. The stables/barn, the horses. A view of the Flagstaff mountains several hundred miles away and range cattle in the foreground. And so forth. My revenge is there would be nothing interesting to look at. ...
by AAA
Thu Nov 02, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

Re: How secure are Wi-Fi cameras?

Can they get from the camera to the network and then into a laptop? That seems unlikely. That's just the type of things I was asking about. We should carefully guard our WiFi password but I'm expecting that the app controlling the camera will ask for it and then it is probably stored somewhere - wi...
by AAA
Thu Nov 02, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2314

How secure are Wi-Fi cameras?

I'm toying with the idea of getting one or more of these and I assume at setup that you have to enter your Wi-Fi password. So I was wondering if there are concerns about this. To keep this on track, I'm not asking about the advisability of getting a camera or looking for camera recommendations. I gu...
by AAA
Tue Oct 31, 2017 9:50 am
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1154

Re: House - leaking chimney - thoughts?

I'm a newer homeowner and this is my first-ever leak. Anyone with experience know if the contractor's quote sounds like a good number? I know that's a hard question to answer without inspecting it yourself, but curious if it sounds about right. He has about 30 4-5-star reviews on Thumbtack, for wha...
by AAA
Tue Oct 31, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6518

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

... Can anyone who knows the two numbers (on every check we write) initiate an outgoing ACH transfer from a bank account? No. The "once set up" part of what you wrote is the most important part...Vanguard uses security measures to ensure that the bank account you set up is actually yours, the most ...
by AAA
Mon Oct 30, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?
Replies: 76
Views: 6518

Re: An individual who owes me money wants my routing and account numbers for ACH transfer. Safe?

I've always wondered about these ACH transfers. When I link my bank account to an entity like Vanguard, Vanguard asks for the bank routing and account numbers. Once set up, I funds can be sent in either direction. But I never explicitly gave my bank the okay to release funds to Vanguard. Can anyone ...
by AAA
Mon Oct 30, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12540

Re: Request for Promotion letter to Senior Management

Just a few comments from my experience with megacorp: I doubt your letter will change their minds. If they wanted to promote you, they would have. I saw people go into management then back to technical with a promotion to the next technical level. There isn't always a strong correlation between perf...
by AAA
Sun Oct 29, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 4182

Re: Windows 10 - Fall Creator's Update - Ransomeware

Well after being stuck on 1607 and "check for updates" not getting me the 1703 Creators Update, I went through some steps for what I thought would get it on my machine. When it was all said an done, it was 1709 (Fall Creators Update) that was installed. I usually don't like to update to a new OS bef...
by AAA
Sat Oct 28, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 4182

Re: Windows 10 - Fall Creator's Update - Ransomeware

How long has it been since you got upgraded to 1607? I'm not sure. I purchased this refurbished Dell desktop about a year ago. It had two (of the original three) years warranty left so it's a fairly recent machine that came with Windows 10 Professional. As I mentioned in another reply, within the p...
by AAA
Sat Oct 28, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 4182

Re: Windows 10 - Fall Creator's Update - Ransomeware

ericmc wrote:
Fri Oct 27, 2017 10:00 pm
Are you getting the monthly updates (usually on 2nd Tuesday) every month? If not likely you are experiencing a general issue with windows update.
I do get occasional updates, although I haven't noticed exactly when they occur. I had an update to 1607 about a week ago.
by AAA
Fri Oct 27, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - Fall Creator's Update - Ransomeware
Replies: 25
Views: 4182

Re: Windows 10 - Fall Creator's Update - Ransomeware

I have a fairly recent machine but I never got the Creator's update earlier this year. I realize that I can do it manually, but I am just wondering why it hasn't been done automatically. My machine is sleeping/off most of the time, but when I recently did an update to OS 1607 and checked for further...
by AAA
Fri Oct 27, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Maximum Limit
Replies: 15
Views: 1531

Re: 401K Maximum Limit

My plan also kept matching.
by AAA
Thu Oct 26, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Breaking 5 year CD
Replies: 15
Views: 1310

Re: Breaking 5 year CD

I have two 5-year CDs; one that matures in 2 years 2.25% and one that I just started last month 2.3%. I have found a 2 year CD for 2.1%. It's also possible that you buy that 2 year CD and interest rates go down over the next couple of years, in which case you might regret terminating the 2.3% one. ...
by AAA
Mon Oct 23, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: External Flash "reverse" vignetting?
Replies: 17
Views: 1155

Re: External Flash "reverse" vignetting?

Since I know there are some expert photographers here, I am asking this question. I purchased a small external flash for my Sony A6000 mirror-less camera. After looking at the pictures, when used with the kit lens at the widest angle, it has four corners of the frame overexposed! The sample image y...
by AAA
Wed Oct 18, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5504

Re: Toilet Woes

The water valve in the tank opens immediately when you flush. The higher flow from the supply during the flushing cylcle causes more water to be used for each flush resulting in the improved performance. If I understand this correctly, you're saying that before the flapper falls down to shut off th...
by AAA
Wed Oct 18, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5504

Re: Toilet Woes

As soon as you flush, the fill valve opens and that hose directs water into the overflow pipe, where it goes into the bowl to help with the flush. Then that explains it. Edit: I should mention the water flow from the hose doesn't help MUCH with the flush, but if the fill valve was behaving erratica...
by AAA
Tue Oct 17, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Toilet Woes
Replies: 46
Views: 5504

Re: Toilet Woes

I'm sure all of you participating in this thread have been waiting with baited breath to find out what happened. I mentioned above that once the tank wasn't refilling even with the supply line open. Another time, I shut the supply line valve and the water nevertheless came in to fill the tank. So th...
by AAA
Sun Oct 15, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 2047

Re: Earplugs that work on low frequency noise?

3) My wife suggested noise canceling headphones, but that would mean I can't sleep on my side; probably would keep me from sleeping. There are soft eye masks that have built-in speakers. This is just the first one that I found as an example, not necessarily a recommendation: https://www.amazon.com/...
by AAA
Mon Oct 09, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2799

Re: Health Care for 2018, Curious About Other's Increases

I got the renewal booklet for my Medicare Advantage plan, which I intend to stay in unless it will no longer be offered in my area. The monthly premium stayed the same and the out of network deductible actually went down 33%. Unless there's some other gotcha in the details I haven't looked at yet, t...
by AAA
Fri Oct 06, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 2 Factor verification
Replies: 14
Views: 3898

Re: Capital One 2 Factor verification

heartwood wrote:
Thu Oct 06, 2016 9:37 am
After I reported the fraud yesterday I received a same day email from Cap One saying that 2FV was available. Is this new?
This is interesting as I called them within the past couple of weeks to ask about 2FV and they said it wasn't available. I haven't received an email about it yet.
by AAA
Fri Oct 06, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 5424

Re: Anyone go 100% Ally or another online bank for all banking needs?

gator1 wrote:
Thu Oct 05, 2017 7:48 pm
I'll also add that I can link my parents account and transfer money there and then get it out that way if ever needed.
Just curious - I thought linked accounts had to be titled the same.
by AAA
Tue Oct 03, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union no longer offering HSA's as of 11/9
Replies: 56
Views: 5713

Re: Alliant Credit Union no longer offering HSA's as of 11/9

I'm curious why a credit bureau check would be involved if you want to deposit money somewhere i.e. no loans involved. We've had our files frozen for a few years now and I don't think it was a problem when we opened an HSA at Alliant in 2015 (although I wouldn't swear to it).
by AAA
Fri Sep 29, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: creating a my social security account
Replies: 13
Views: 1430

Re: creating a my social security account

I don't understand why a fraud alert would prevent SS from establishing your account. I thought an alert, as the name implies, just alerts you that someone has checked your file. Also, when I signed up a few years ago, I believe I just had to unfreeze my file at one of the bureaus.
by AAA
Thu Sep 28, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7228

Re: Innovis and ChexSystems freeze confirmation letters

buckeye7983 wrote:
Thu Sep 21, 2017 10:07 am
For those of you that recently implemented freezes on-line at Innovis and CheckSystems, how long did it take for you to receive confirmation letters with PINs in the mail?
Two weeks for Chex, a little sooner for Innovis.