Search found 1349 matches

by AAA
Fri Sep 18, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: OLD papers
Replies: 39
Views: 2569

Re: OLD papers

cleaning out files. How to dispose of old papers--8 years and more--when shredding/burning is not do-able. They have lots of id on them of course, :confused Why is shredding not doable? With a 15-page capacity shredder like I have you could easily do a couple hundred pages in several minutes, while...
by AAA
Mon Sep 07, 2020 7:40 pm
Forum: Personal Consumer Issues
Topic: New Computer Setup for Photoshop
Replies: 47
Views: 2508

Re: New Computer Setup for Photoshop

You specified PS and Lightroom but not what your usage will be. Occasionally processing a number of personal photos vs. having to process hundreds of photos a day for work would make a big difference in determining what kind of computer to get.
by AAA
Sat Sep 05, 2020 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Starting to look for new house
Replies: 17
Views: 1804

Re: Starting to look for new house

A followup question - as I guard my personal information closely, I'm anticipating some discomfort about the short-term financing with this potential move. (Some people have suggested selling our house first and renting for a while which would not be our approach for several reasons). As I mentioned...
by AAA
Sat Sep 05, 2020 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Starting to look for new house
Replies: 17
Views: 1804

Re: Starting to look for new house

barnaclebob wrote: Fri Sep 04, 2020 12:53 pm How much equity do you have?
No mortgage on current house. Looking at houses of roughly the same value.
by AAA
Fri Sep 04, 2020 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Starting to look for new house
Replies: 17
Views: 1804

Re: Starting to look for new house

... We've also been advised by friends to make the new house purchase contingent on selling our current house, which we think might sell quickly based on recent history. We would probably plan to move into the new house and have some quick renovations done to the current one before putting it on th...
by AAA
Thu Sep 03, 2020 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Starting to look for new house
Replies: 17
Views: 1804

Starting to look for new house

After many years in our current house, we are looking to move for purposes of downsizing, among other reasons, and I am trying to get an initial grasp of the financial aspects. We can say for simplicity that the cost of the new house will probably be close to what we'd anticipate getting for our cur...
by AAA
Sun Aug 30, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 23
Views: 1517

Re: replacement car key and fob

neilpilot wrote: Sun Aug 30, 2020 1:57 pm Rather than ACE hardware at half the price, you might consider a less expensive route.

https://www.amazon.com/2011-2012-Forest ... B074V8NVDQ
Out of curiosity, I followed the link. The item has 27% 1-Star customer reviews.
by AAA
Sun Aug 30, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Re: Buying router from other than internet provider

PhillyPhan wrote: Sat Aug 29, 2020 8:59 pm Even if you buy new, maybe look into the warranty, our router modem (Netgear) is no longer functioning after 8 months.
Website says "two year limited warranty."
by AAA
Sat Aug 29, 2020 7:31 pm
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Re: Buying router from other than internet provider

Most people thought they were getting new units with renting from the company and didn't realize they were getting refurbished units (technically "customer returns"). The listing on Verizon's website where I purchased the router did not say refurbished, so I assume it will be a new unit. Will wait ...
by AAA
Sat Aug 29, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Re: Buying router from other than internet provider

Mudpuppy wrote: Sat Aug 29, 2020 12:31 pm Let me introduce you to an entirely different fear with refurbished units:...
Yikes. I was leery of refurbished for other reasons but wasn't considering that. Good advice.

I went ahead and purchased a new one directly from Verizon.
by AAA
Fri Aug 28, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Re: Buying router from other than internet provider

Buy your own router (not a Verizon Gateway), and then get Verizon to enable the Ethernet port on your ONT: https://www.groundedreason.com/use-router-fios-internet/#:~:text=ONT%20stands%20for%20%E2%80%9COptical%20Network,with%20devices%20in%20your%20house. That link is a bit over my head and I think...
by AAA
Fri Aug 28, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Re: Buying router from other than internet provider

mervinj7 wrote: Fri Aug 28, 2020 12:23 pm Are you buying a cable modem directly from the provider or a router/wifi unit?
Fios Quantum Gateway router is what I'm considering.
by AAA
Fri Aug 28, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Re: Buying router from other than internet provider

But do note you can get many good quality cheap routers new. A lot of older models will still be overkill for many people's home internet setup. BH photo usually has some decent deals. I trust BH Photo but they don't have this particular model at this time. Based on all the replies, rather than tak...
by AAA
Fri Aug 28, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Buying router from other than internet provider
Replies: 25
Views: 1985

Buying router from other than internet provider

I see "refurbished" units available on Amazon and eBay from apparently reputable sellers that are offered for about 1/3 the price the provider is asking. Putting aside questions of how these would perform, I would mainly be concerned about security as I've read that routers could contain virus/malwa...
by AAA
Tue Aug 25, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hire a Public Adjuster for this claim?
Replies: 13
Views: 1457

Re: Should I hire a Public Adjuster for this claim?

We are hoping that we can find a GC that will do all of that. It is hard to know who to trust when one is 3000 miles away and we can't meet people in person. It's likely that your MIL's house was not the only one affected. Have her neighbors been working with any contractors? Maybe they could recom...
by AAA
Tue Aug 25, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance - Worst Case
Replies: 142
Views: 9515

Re: Umbrella Insurance - Worst Case

Question: if one has an umbrella policy added to one's home and auto policy, does it typically just cover liability associated with those two things or liability in general?
by AAA
Tue Aug 25, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Should I hire a Public Adjuster for this claim?
Replies: 13
Views: 1457

Re: Should I hire a Public Adjuster for this claim?

We went through a similar damage situation recently and hired a general contractor who was recommended to us by an acquaintance in the business. The contractor worked with the township and the insurance company to get permits, inspections and agreed upon estimates and his crew did the repair work. I...
by AAA
Thu Aug 13, 2020 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Tree section fell on my neighbor's property...who is liable
Replies: 56
Views: 5857

Re: Tree section fell on my neighbor's property...who is liable

Do not remove the tree yourself. The property management company is testing your ignorance of the matter or is ignorant himself. As the tree was healthy, the fallen tree is considered an act of nature and your neighbor is responsible for its removal from his property. He can submit a claim against ...
by AAA
Mon Aug 03, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9333

Re: Paying cash for a new car... should I let them run my credit?

If your credit is frozen, how bad is it to give out your social security number...to a supposedly honest business? The business may be honest but how secure is their computer system? Major corporations with large IT departments get hacked so I wouldn't have much confidence in a car dealership's sec...
by AAA
Sun Aug 02, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9333

Re: How bad are credit checks?

hudson wrote: Sun Aug 02, 2020 1:44 pm How big of a deal is it when a dealer checks your credit? It doesn't dip down that bad does it?...Bottom Line, Are credit scores over-rated?
It's not just a matter of credit score to some people. Why give your Soc. Sec. number to someone and let them look into your business for no reason?
by AAA
Sun Aug 02, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9333

Re: Paying cash for a new car... should I let them run my credit?

A while back, we were at a dealership on a Friday and agreed on a car and price. We were paying cash and I said we'd be back on Monday with the check. They told us to take the car anyhow, which we did, and we returned Monday with the check. I thought at the time that was quite unusual. More recently...
by AAA
Sat Aug 01, 2020 12:18 pm
Forum: Personal Investments
Topic: Is it possible to disable online access to Vanguard?
Replies: 53
Views: 3525

Re: Is it possible to disable online access to Vanguard?

I want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way. I'm not sure there are physical locations for customers. If so, they are few and far between. In any...
by AAA
Thu Jul 30, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Anyone study math, physics or science for fun?
Replies: 54
Views: 3944

Re: Anyone study math, physics or science for fun?

I would suggest checking out online forums, e.g., Physics Stack Exchange, Mathematics Stack Exchange, etc. While many of the questions can be somewhat advanced, there are often discussions of basic ideas that can increase your intuitive understanding of these subjects.
by AAA
Sun Jul 26, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Advice from retirees: do you need a project or do you 'play it by ear'?
Replies: 36
Views: 2365

Re: Advice from retirees: do you need a project or do you 'play it by ear'?

Let's not also forget that if you are lucky retirement can bring the opportunity for idleness. Being able to do nothing is a luxury, in moderation of course. To me it would be perfectly okay to turn down a request without having what might be considered a legitimate reason i.e. another task at hand.
by AAA
Sat Jul 25, 2020 10:59 am
Forum: Personal Investments
Topic: What do you do with statements?
Replies: 13
Views: 1075

What do you do with statements?

It's generally a good idea to periodically check brokerage and bank statements but do you also download them? If the latter, is it to have the information readily available or is there some thought that they might be used to prove account holdings should a major systems disruption occur? I'm wonderi...
by AAA
Thu Jul 16, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7199

Re: Give new doctor a SSN?

I would ask them why they are asking for the Soc. Sec. number and express my concern about revealing it. A lot of times these places are using old forms and they may not still need it. We once bought a car and the salesman's screen had an input for Soc. Sec. number which didn't make sense as we were...
by AAA
Sun Jul 12, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay - Identity Verification Problems??
Replies: 22
Views: 1136

Re: IRS Direct Pay - Identity Verification Problems??

Related to this - Last month I tried a few times to get an Identity Protection (IP) PIN and got through all of the identity checking (they use Experian and I unfroze my file). Then the last step is to provide a mobile phone number as mailing of the PIN is not available at this time and it always fai...
by AAA
Mon Jul 06, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Verizon Wireless hassle!
Replies: 40
Views: 4206

Re: Verizon Wireless hassle!

My Verizon Wireless bill is automatically withdrawn from my bank checking account each month. They send advanced notice of the withdrawal and then confirmation after the withdrawal. I recently renewed my Verizon FIOS plan and got a small additional monthly discount by switching the auto pay from a c...
by AAA
Sun Jul 05, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Just read my first book cover to cover....thanks!!
Replies: 15
Views: 2303

Re: Just read my first book cover to cover....thanks!!

I read How to Stop Worrying and Start Living many years ago and vaguely remember even then that Carnegie had some outdated notions about things. But putting that aside, I did find the book helpful.
by AAA
Sun Jul 05, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?
Replies: 28
Views: 3068

Re: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?

nps wrote: Sat Jul 04, 2020 7:22 amOr ask your lender to waive escrow and pay it yourself.
Years ago, my mortgage company was delinquent in paying one of my real estate taxes so I requested that I pay these myself. They refused.
by AAA
Fri Jul 03, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 16640

Re: Which College degrees are worthwhile?

This seems to be common specifically in tech and programming that you need to be passionate? Any idea why this is? You hardly hear it about any other jobs/ careers e.g you don't say people need to be passionate to become a plumber, accountant, lawyer, engineer etc. I hadn't heard that, but can spec...
by AAA
Mon Jun 29, 2020 8:05 am
Forum: Forum Issues and Administration
Topic: Notification doesn't go away
Replies: 6
Views: 949

Re: Notification doesn't go away

Yukon wrote: Mon Jun 29, 2020 5:16 am Under notifications do you select "see all" and scroll thru all of them....I bet it's an old one still open.
I think that was it. Thanks.

And thanks LadyGeek for those instructions that could prove useful some other time.
by AAA
Sat Jun 27, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 16640

Re: Which College degrees are worthwhile?

Employment in computer science has and continues to skyrocket. Common objections are: It's concentrated in a small number of HCOL areas It's vulnerable to offshoring You need to work 60-80 hour weeks to be successful The number of six-figure jobs in CS are small You have to attend an elite school t...
by AAA
Fri Jun 26, 2020 2:19 pm
Forum: Forum Issues and Administration
Topic: Notification doesn't go away
Replies: 6
Views: 949

Notification doesn't go away

I am subscribed to a thread in the Personal Finance (Not Investing) forum. When I open my browser (Safari) and come to the forums, I have a notification (the number 1 in a red circle next to Notifications) for a post in this thread. I click on the notification to take me to the post. All well and go...
by AAA
Sun Jun 21, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 3173

Re: Tipping Tree Trimming

What do you mean by "tree trimming?" The real deal, 4 helmet-wearing guys. One nimble dude climbs to the top of the tree; hanging from there, one hand on the chainsaw, the other on the crucifix. That's how it's done but not what it is. Are you trimming branches or reducing the height of the trees?
by AAA
Sun Jun 21, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 3173

Re: Tipping Tree Trimming

What do you mean by "tree trimming?"
by AAA
Thu Jun 18, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 132
Views: 14537

Re: Capital One is at it again

MM account was highest until they created they "new" Performance Savings account. Since then MM account has always had a worse rate. Many (probably most) existing customers don't pay close attention to this stuff and so didn't switch, so this was an easy way for Capital One to pay less interest to ...
by AAA
Tue Jun 16, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 583

Re: Pocket Key Case

Jack FFR1846 wrote: Mon Jun 15, 2020 11:00 am How many keys do you need to carry?
2
by AAA
Tue Jun 16, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 583

Re: Pocket Key Case

CABob wrote: Mon Jun 15, 2020 10:57 am Do you really need the case? Why not just a ring with the key fob and a couple of keys on it?
I don't want to get poked by sitting on a key.
by AAA
Mon Jun 15, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 583

Pocket Key Case

I need a key case that will hold my car key fob and a couple of keys. It shouldn't be this difficult to find, but after my current one broke recently I've had trouble searching for a new one. I don't like the ones with the row of little key loops as these have not proved reliable in the past. Someth...
by AAA
Sat Jun 06, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 6028

Re: To what Broadband Speeds do you Subscribe and Why?

We have 100/100 which is the lowest tier Verizon offers in my area. There are also 300/300 and 1000/1000 tiers. I have Verizon also and find the up is usually much slower than the down. Do you usually get equal rates up and down? I actually find the up is like 120 and the down is in the 95-99 range...
by AAA
Sat Jun 06, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 6028

Re: To what Broadband Speeds do you Subscribe and Why?

Jags4186 wrote: Thu Jun 04, 2020 2:48 pm We have 100/100 which is the lowest tier Verizon offers in my area. There are also 300/300 and 1000/1000 tiers.
I have Verizon also and find the up is usually much slower than the down. Do you usually get equal rates up and down?
by AAA
Fri May 29, 2020 9:10 am
Forum: Personal Investments
Topic: What to do when bank CD rate is much lower than promised?
Replies: 19
Views: 1890

Re: What to do when bank CD rate is much lower than promised?

A while back my local institution was promoting a very good CD rate. I set up a transfer of funds from Vanguard into my savings account there. Unlike your experience, the transfer only took two days. But, like your experience, on the very day the funds arrived in my savings account, the institution ...
by AAA
Tue May 26, 2020 1:02 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1925

Re: Air conditioner stocks

While there might be increased demand this summer, on the other hand supply chains may be somewhat compromised so all that demand may not be met. Also, many people lost their jobs so they will not be planning to buy new A/C's, etc. But if you do go ahead with this, please post again later in the yea...
by AAA
Tue May 26, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8970

Re: Investors: be aware of weakness in 2FA + strengthening

Thought I’d share based on news I’ve been seeing. Please be aware that hackers are attacking 2FA through telecommunication carriers. Can someone explain to the non-initiated what the issue is here? So I go to Vanguard's website, enter my username and password and then wait for the text to my phone ...
by AAA
Mon May 25, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8970

Re: Investors: be aware of weakness in 2FA + strengthening

Thought I’d share based on news I’ve been seeing. Please be aware that hackers are attacking 2FA through telecommunication carriers. Can someone explain to the non-initiated what the issue is here? So I go to Vanguard's website, enter my username and password and then wait for the text to my phone ...
by AAA
Mon May 25, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 8970

Re: Investors: be aware of weakness in 2FA + strengthening

Thought I’d share based on news I’ve been seeing. Please be aware that hackers are attacking 2FA through telecommunication carriers. Can someone explain to the non-initiated what the issue is here? So I go to Vanguard's website, enter my username and password and then wait for the text to my phone ...
by AAA
Wed May 20, 2020 10:49 am
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4619

Re: Individual stock for son's birthday

Someone gave my son a share of stock in a company my son was familiar with and we ran into some inconvenience when it came time to sell it. Because of capital gains? Sounds like a good problem to have. No - now that I recall (it was several years ago) the main issue was that we had an actual paper ...
by AAA
Tue May 19, 2020 12:47 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4619

Re: Individual stock for son's birthday

Someone gave my son a share of stock in a company my son was familiar with and we ran into some inconvenience when it came time to sell it.
by AAA
Tue May 19, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10650

Re: Where to park cash in Fidelity?

It is annoying to have to use Ally or Marcus to place cash savings, so I wonder why Fidelity or other big financial firms don't have a decent option. I've wondered about this myself. Why can't Vanguard, Fidelity, etc. match Ally, Marcus, etc. for decent cash yields? Does it have to do with the latt...