Search found 1034 matches

by AAA
Mon Oct 15, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4756

Re: Is it worth filing FAFSA even if you know you'll get nothing?

I had 2 kids who each applied to 5 - 6 schools. None required although some strongly recommended it. Some do require for merit based aid. Some say you should do it in case your situation changes (lose your job, etc.) so you can amend. I don't think any schools really unconditionally require it - wh...
by AAA
Sun Oct 14, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5518

Re: Proton Mail

Any updates on protonmail? The final paragraph in the post above yours mentions two login passwords. It’s one now. I got a paid account in late 2017 or early ‘18 and it was just a single password. They originally required two passwords, one to log in and the other to decrypt the email. Then they de...
by AAA
Sun Oct 14, 2018 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Rate of return calculation
Replies: 4
Views: 518

Re: Rate of return calculation

stocknoob4111 wrote:
Fri Oct 12, 2018 8:24 pm
The rate of return figures you see on Fidelity, Vanguard etc. how exactly are these calculated?
Is the Fidelity YTD that you quote for the fund in general or for your personal investment in the fund?
by AAA
Sun Oct 14, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Rate of return calculation
Replies: 4
Views: 518

Re: Rate of return calculation

Since your post hasn't received much attention, I'll take a guess at the explanation. I assume Fidelity's YTD is comparing the value of an investment in the fund at the beginning of the year to what it would be at the current time, including reinvestment of distributions. You made contributions at d...
by AAA
Sat Oct 13, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity non-prototype account contribution form?
Replies: 1
Views: 158

Re: Fidelity non-prototype account contribution form?

Fidelity has a good reputation for customer service and 24/7 support. Why not call them?
by AAA
Fri Oct 12, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare [Can I contribute to a Health Savings Account?]
Replies: 29
Views: 2799

Re: Medicare [Can I contribute to a Health Savings Account?]

When I was in your situation, my employer told me not to sign up for Part A.
by AAA
Fri Oct 12, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth filing FAFSA even if you know you'll get nothing?
Replies: 70
Views: 4756

Re: Is it worth filing FAFSA even if you know you'll get nothing?

Why do some schools require filing FAFSA even when the parents know they will get nothing from it? How does it benefit the school?
by AAA
Mon Oct 08, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Inflation and stocks and bonds
Replies: 14
Views: 731

Inflation and stocks and bonds

Maybe someone can explain this in simple terms - we always hear that one should be invested in stocks as a hedge against inflation, but it seems that stocks get hammered whenever there's a hint of an increase in inflation. That appears to be a contradiction.
by AAA
Sat Oct 06, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 no beneficiary option
Replies: 38
Views: 6949

Re: Capital One 360 no beneficiary option

As noted above, different places have different rules. For non-retirement joint accounts, Fidelity lets you name beneficiaries. Vanguard does not.
by AAA
Sun Sep 23, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: When is it OK to not go through car insurance after you've been hit?
Replies: 17
Views: 1894

Re: When is it OK to not go through car insurance after you've been hit?

One of our cars was damaged a few years ago when a lady backed into it while it was parked. She left a note on the car with her contact information. When we talked she said she wanted to pay for the repair without going through her insurance company. We got quotes at two body shops that were within ...
by AAA
Sat Sep 22, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Backing up Windows 10
Replies: 5
Views: 603

Re: Backing up Windows 10

It shouldn't be risky. The second hard drive is the back up after all. You would want to clone to an empty hard drive. I mainly use Clonezilla on hard drives that has MBR partitioning scheme on PCs that have BIOS. I have actually restored from an image file more than once. I back up to an image fil...
by AAA
Sat Sep 22, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Backing up Windows 10
Replies: 5
Views: 603

Re: Backing up Windows 10

You could use the Clone function in Macrium. This creates an exact copy of your hard drive. If you ever need to, you can just swap the current drive with the backup inside the computer and you are ready to roll. If you have room in the case, you can also just clone to a spare drive and if you need ...
by AAA
Sat Sep 22, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3405

Re: Out of Market

OP stated that he/she was considering brokered CDs at Vanguard. There is no early withdrawal for those. If you want to cash out early, you must sell on the open market. If rates go up, the value of the CD goes down. Then, you have market spread to deal with. So, it is best to hold those CDs to matu...
by AAA
Sat Sep 22, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Backing up Windows 10
Replies: 5
Views: 603

Backing up Windows 10

And here I mean a bootable backup, not just saving user files. I currently use Macrium Reflect on a Windows 10 (Pro) system - you create a recovery disk and then go through what are to me many confusing options to make the actual backup. I just muddle through somehow, usually accepting all of the de...
by AAA
Sat Sep 22, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3405

Re: Out of Market

OP stated that he/she was considering brokered CDs at Vanguard. There is no early withdrawal for those. If you want to cash out early, you must sell on the open market. If rates go up, the value of the CD goes down. Then, you have market spread to deal with. So, it is best to hold those CDs to matu...
by AAA
Fri Sep 21, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: One thing I dislike about TDFs
Replies: 20
Views: 925

Re: One thing I dislike about TDFs

What is a TDF?
by AAA
Sat Sep 15, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: CD rates--what to do?
Replies: 45
Views: 6542

Re: CD rates--what to do?

We have a 5 year ladder as part of our "non-equity" allocations that is in place irrespective of current or projected interest rates. I had a five year ladder, but in this rising interest rate environment I couldn't bring myself to commit funds for 5 years. I know, no one can predict future interes...
by AAA
Sat Sep 15, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Staying with the old platform Mutual Funds
Replies: 12
Views: 1249

Re: Staying with the old platform Mutual Funds

Isn't the "old platform" a subset of the new one, that is, if you just want to have mutual funds you can continue to do that, without any extra costs in the new platformt? If so, what would be the objection to switching?
by AAA
Thu Sep 13, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3477

Re: Buying a house 1 mile away from a municipal landfill

Steelersfan wrote:
Wed Sep 12, 2018 8:13 pm
Ask a couple of your potential neighbors what it's like today.
But keep in mind that some of them may be more concerned with keeping up the value of the houses there than in giving you an accurate assessment of the situation.
by AAA
Thu Sep 13, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3954

Re: Vanguard is requiring cell phone security codes - problem for international travel

tuningfork wrote:
Wed Sep 12, 2018 8:55 pm
Vanguard now supports Yubikeys for 2FA.
I use VIP Access with Fidelity. How does that compare to Yubikeys and does Vanguard support it? I'd rather not have another device to take deal with.
by AAA
Mon Sep 10, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7479

Re: Amazon Prime - Value?

Interesting - I'm not a Prime member and chose the free shipping option for my last two orders and they arrived in a couple of days. In one case delivery was made on a Sunday. I may have to qualify my above comment. Apparently, some things ordered on eBay get delivered by Amazon. I ordered an item ...
by AAA
Mon Sep 10, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 89
Views: 7479

Re: Amazon Prime - Value?

Interesting - I'm not a Prime member and chose the free shipping option for my last two orders and they arrived in a couple of days. In one case delivery was made on a Sunday.
by AAA
Thu Sep 06, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2779

Re: My recent experience with buying custom window blinds

We've ordered several different items from selectblinds.com and have been pleased with the quality.
by AAA
Thu Sep 06, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2558

Re: eBay Leaving Negative Feedback

I'm reluctant to leave negative feedback and usually give the benefit of the doubt that a mistake was made rather than outright fraud. That's especially the case when the seller agrees to a refund and provides a paid shipping label. I recently bought some button batteries and discovered that the exp...
by AAA
Fri Aug 31, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

You don’t have a condensation line from your HVAC unit draining into your waste. It would be a 7/8 rubber hose above the trap run into a y-branch tail piece. I had this issue after we replaced our AC unit. It took me a while to figure this out, the gurgling noise was coming because the AC installer...
by AAA
Fri Aug 31, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

criticalmass wrote:
Fri Aug 31, 2018 1:40 am
A hair clog will cause your symptom. Try the simple causes first.
Where? If local to the sink, either leading to the P-trap or in the P-trap itself, wouldn't that cause the sink to empty slowly (an issue that I've had before)? That is not happening now. The sink empties rapidly.
by AAA
Thu Aug 30, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

I found a small sink plunger at our local home center and tried it but it didn't make any difference.
by AAA
Thu Aug 30, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

See if you have an AAV (Air Admittance Valve) under the sink... There is no AAV there. Another thing you could do (even though you say it drains quickly) is to get one of these (https://www.amazon.com/gp/product/B005UJLVGI/ref=oh_aui_search_detailpage?ie=UTF8&psc=1), fill the sink and plunge it a b...
by AAA
Thu Aug 30, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

I had something similar a few years ago. Check for hair and scum from the bowl to the p trap, clean. Then run a snake after the p trap as far as possible. When I did this everything was fine. Amazing the garbage that was restricting things. I had an issue like that a few years ago, but the sink was...
by AAA
Thu Aug 30, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

Duplicate post deleted.
by AAA
Thu Aug 30, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Re: Gurgling noise from sink

I think that means the stack isn't properly vented because the water that is going down the pipes is pulling more air after it. Thanks. To my knowledge this is a fairly recent issue in an older house, so by not properly vented I assume that means there's some clogging in the vent pipe and not a str...
by AAA
Thu Aug 30, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 25
Views: 1833

Gurgling noise from sink

In researching this, I've seen various explanations and remedies but am still not sure about my particular situation so I will outline it here and would appreciate any suggestions. Several seconds after emptying our upstairs bathroom sink, there is a slight gurgling noise and I can feel a slight vib...
by AAA
Wed Aug 29, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: I.R.S. form 5498 - IRA Contribution Information
Replies: 5
Views: 594

I.R.S. form 5498 - IRA Contribution Information

I'm in the process of reducing the load of paperwork that I've collected and have these forms going back many years. In more recent times, I was supplied these in electronic form but didn't bother to print them out. I've searched several sources for suggestions about how long to retain them and just...
by AAA
Tue Aug 28, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Installing a new toilet - shut off valve and wax ring
Replies: 33
Views: 2273

Re: Installing a new toilet - shut off valve and wax ring

Regarding the older valves - I was having trouble with a toilet flushing well and after changing the parts in the tank to no avail it turned out to be the valve, which was replaced. With our other toilet, the valve was leaking and the plumber just repacked it but several months later it leaked again...
by AAA
Mon Aug 27, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1999

Re: Home Security Box for Papers

Security is a trade off between convenience and security. I trust the level of security in the encryption of the containers with Veracrypt, given the encryption takes place offline on my machine (I even hardened the encryption during the containers creation). I also don't think I'm an important eno...
by AAA
Sun Aug 26, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1999

Re: Home Security Box for Papers

Dejavu! Your first statement sounds very much like me as recently as last year. However, in summer this year, I thoroughly investigated Veracrypt with the idea that all documents stored on my machine are hidden beneath invisible encrypted containers. If someone were to steal my machine, they would ...
by AAA
Sun Aug 26, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1999

Re: Home Security Box for Papers

richyg12 wrote:
Sun Aug 26, 2018 3:41 am
I think cloud backed up copies of essential documents and the security risk this comes with is an acceptable risk compared to what I saw happen here. I would not want to start the journey to recreate things from nothing.
That's why it's always recommended to keep one copy at a different site.
by AAA
Sun Aug 26, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1999

Re: Home Security Box for Papers

msk wrote:
Sun Aug 26, 2018 2:06 am
So what are the papers that people worry about the most?
For me, not so much papers as important passwords, financial spreadsheets, income tax information, etc.
by AAA
Sat Aug 25, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1999

Re: Home Security Box for Papers

Everything is digitized, stored in the cloud behind Veracrypt containers, with originals in the safe deposit box. Never had an issue. I've never been able to get comfortable with the idea of having personal, sensitive information outside of my complete control e.g in Dropbox or iCloud, even if it i...
by AAA
Sat Aug 25, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to buy individual stocks?
Replies: 15
Views: 1673

Re: Best way to buy individual stocks?

You're asking about how to buy the one share of stock. Another question would be how to sell it if/when the time comes in the future. Years ago my son was given the gift of one share of a company, with the certificate, and it was a bit of a pain when the time came to sell it (I forget what we did). ...
by AAA
Sun Aug 19, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Re: Soap for hand washing dishes

Mrs. Meyer's Clean Day Dish Soap, Lemon Verbena Target used to carry it..you can buy it on Amazon: https://www.amazon.com/Mrs-Meyers-Clean-Lemon-Verbena/dp/B000S5S1AI/ref=sr_1_4_a_it?ie=UTF8&qid=1534694689&sr=8-4&keywords=mrs+meyer%27s+clean+day+dish+soap Thanks, but the reason for this thread was ...
by AAA
Sun Aug 19, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Re: Soap for hand washing dishes

I assume no one has keeled over from eating off the dishes your wife washes. A lot of things in our environment don't cause one to keel over in the short term but some people strive to optimize what they can, where possible and practical to do so. Using an appropriate item to clean one's dishes wou...
by AAA
Sat Aug 18, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Re: Soap for hand washing dishes

RickBoglehead wrote:
Sat Aug 18, 2018 3:14 pm
AAA wrote:
Sat Aug 18, 2018 8:58 am
I finally emailed the soap manufacturer, and they did not recommend using their bar soap to wash dishes.

This ^^^^. Should be end of discussion. Car soap is also not recommended.
Not quite. That was one particular soap manufacturer who commented on their soap.
by AAA
Sat Aug 18, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Re: Soap for hand washing dishes

I'm just curious... how in the world would one go about washing dishes with a bar of soap? Does she rub the bar on the dishes? Or does she hold the bar under a stream of water to try to make a sink full of soapy water? I would like to know how she does it, because it might be handy sometime camping...
by AAA
Sat Aug 18, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Re: Soap for hand washing dishes

PFInterest wrote:
Sat Aug 18, 2018 9:13 am
yes i do. its the soap your wife wants to use since you are not washing the dishes.
Bad assumption. I often do the dishes.
by AAA
Sat Aug 18, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Soap for hand washing dishes
Replies: 40
Views: 2259

Soap for hand washing dishes

This is definitely in the category of first world problems, but maybe you can help to resolve a domestic issue. For years, my wife had been using a plain, unscented bar of soap to do our dishes. I did not think that such a hand/body soap was appropriate for dish washing, because it wasn't designed t...
by AAA
Fri Aug 17, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Free Tire Change of Flat
Replies: 21
Views: 1729

Re: Free Tire Change of Flat

carolinaman wrote:
Fri Aug 17, 2018 7:08 am
AAA will come to where your car is when you have a flat and change it for you.
No I won't. :wink:
by AAA
Fri Aug 17, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6852

Re: Men’s Underwear recommendation

Rexindex wrote:
Wed Aug 15, 2018 4:24 pm
Does anyone have a recommendation for boxers that last?
You realize that when this thread is done just about every brand name will have been mentioned?
by AAA
Fri Aug 17, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSAs [Questions on qualified medical expense, contributions]
Replies: 13
Views: 1636

Re: HSAs

dachshund wrote:
Fri Aug 17, 2018 3:15 pm
Not all of us have the knowledge that you experts have; e.g., where to look in IRS notices and the tax code. I thought that was the purpose of this blog site--for the knowledgeable to enlighten the naïve.
I agree.
by AAA
Mon Aug 06, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Union Bank 18-month CD @ 2.75% APY
Replies: 33
Views: 3320

Re: Union Bank

If I were investing in CDs regularly, I think I would use Vanguard Brokerage instead of having to search all over for a particular bank offering...I would rather have everything in one place. As well, it is very easy to stay below the max amount covered as you can utilize many banks for CDs all fro...