Search found 1870 matches

by AAA
Sun Mar 17, 2024 7:31 am
Forum: Personal Consumer Issues
Topic: Should I buy a $3k camera lens or get a cheaper lens instead?
Replies: 25
Views: 1556

Re: Should I buy a $3k camera lens or get a cheaper lens instead?

I think it depends a lot on what you do with your photos. If you make large prints then the best lens would be the choice. If you post photos on social media or create videos, even 4K ones, then I doubt you would notice any difference among all the lenses you are considering.

Is there an image stabilization advantage to using the Sony lens on your Sony camera?
by AAA
Tue Mar 12, 2024 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Re: Vendor unable to challenge customer's reversal of credit card charge

toddthebod wrote: Tue Mar 12, 2024 10:54 am Does the contract with Stripe allow for appeal?
Yes, they just forward it to the bank and told him he has to talk to the bank. The bank is telling him he has to talk to Stripe.
by AAA
Tue Mar 12, 2024 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Re: Vendor unable to challenge customer's reversal of credit card charge

toddthebod wrote: Tue Mar 12, 2024 8:30 am Did your friend/acquaintance already provide this evidence via the Stripe dispute form? Why do you or your friend think providing the same evidence to the bank will result in a different decision?
Why are court decisions appealed? Whoever made the decision made it incorrectly based on the facts. It's not a matter of just presenting the same evidence but rather pointing out how that evidence was either overlooked or incorrectly interpreted.
by AAA
Tue Mar 12, 2024 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Re: Vendor unable to challenge customer's reversal of credit card charge

[ quoted post removed by admin LadyGeek]

The bank made what could objectively be described as an incorrect decision because it was based on inaccurate information. My friend can't challenge it because the bank won't even discuss it with him. The key word there is challenge.
by AAA
Mon Mar 11, 2024 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Re: Vendor unable to challenge customer's reversal of credit card charge

My friend went through this process and documented the reasons the claims were inaccurate. They forward the info to the bank but have no further role and the bank sided with its customer and wouldn't talk to my friend because he is not a customer.
by AAA
Mon Mar 11, 2024 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Re: Vendor unable to challenge customer's reversal of credit card charge

ResearchMed wrote: Sun Mar 10, 2024 12:39 pm What kind of "credit card process/company" is this?
Something is very wrong.
Stripe
by AAA
Sat Mar 09, 2024 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vendor unable to challenge customer's reversal of credit card charge
Replies: 29
Views: 3736

Vendor unable to challenge customer's reversal of credit card charge

An acquaintance of mine has a small business and uses a payment service provider for his customers' credit card purchases. After making a payment, a customer disputed the charges and her bank granted a chargeback. The dispute was based on inaccurate statements by the customer, however, which he can prove with documentation. Plus the payment was made with the agreement that it was nonrefundable. The problem is that the payment provider is telling him he has to talk to the bank that issued the card and the bank is telling him they can't talk to him because he is not a customer of theirs. He tried taking the issue up the ladder with the same result. So despite being in the right, he appears to be in a classic catch-22 situation. I was just won...
by AAA
Sat Mar 09, 2024 7:29 am
Forum: Personal Consumer Issues
Topic: Wool slippers worth it?
Replies: 53
Views: 5221

Re: Wool slippers worth it?

I use a pair of Skechers relaxed fit slip-on's as slippers and only use them inside the house.
by AAA
Fri Feb 23, 2024 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Attachments when e-filing
Replies: 11
Views: 1132

Re: Attachments when e-filing

jebmke wrote: Fri Feb 23, 2024 5:33 pm yes;
Maybe it will be obvious when I e-file, but I'll feel better having an understanding of the process before actually doing it. I asked if there a specific option to make 1040-related payments on the IRS website or are all payments lumped together into one pot. Which does the "yes" refer to?
by AAA
Fri Feb 23, 2024 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Attachments when e-filing
Replies: 11
Views: 1132

Re: Attachments when e-filing

jebmke wrote: Fri Feb 23, 2024 2:29 pm I use EFTPS and simply add the amount to payments on the 1040 so the refund is zero. Owed is zero.
I'm not familiar with EFTPS (Electronic Federal Tax Payment System) but I have an account with the IRS (using ID.me). I used it last year to make estimated tax payments but I don't remember the details. Is there a specific option to make 1040 payments, or are all payments just lumped together into one pot?
by AAA
Fri Feb 23, 2024 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Attachments when e-filing
Replies: 11
Views: 1132

Re: Attachments when e-filing

BogleTaxPro wrote: Fri Feb 23, 2024 9:30 am If you are mailing your return, you need to attach documents that show taxes withheld. That may be your 1099-R's? If you e-file, that information gets transmitted electronically with the return so you don't. Kind of an antiquated requirement, but there it is.

I use H&R Block’s Deluxe program (download not online) and I don't see any option to attach documents...but I haven't checked every nook and cranny.
Thanks for that clarification. A followup question - On the form 1040 there is only the option to use a bank's routing and account numbers for refunds. What if there is payment due and you e-file? Do you have an opportunity to pay with a withdrawal from your bank or is another method used?
by AAA
Fri Feb 23, 2024 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Attachments when e-filing
Replies: 11
Views: 1132

Attachments when e-filing

This is a somewhat general question but specifically I am using H&R Block’s Deluxe program.

If you print out and mail your return, you have to attach certain documents such as 1099-R’s. If you e-file, it appears that these don’t get attached. Is that the case, that with paper filing you have to and with e-filing you don’t? Is it even possible to attach files using this program?
by AAA
Mon Feb 19, 2024 12:13 pm
Forum: Personal Consumer Issues
Topic: Yahoo email - spam emails out of control
Replies: 14
Views: 1702

Re: Yahoo email - spam emails out of control

I've been using Yahoo Mail for some time now for correspondence of secondary importance e.g. online purchases. There has been very little spam coming to my inbox and I don't recall ever setting up any filters. I wonder why the difference.

One oddity of Yahoo Mail is that the Spam folder icon doesn't show if there's anything in it. You have to go to that folder to find out. I've read complaints about this from previous years so I guess it's not going to change.
by AAA
Mon Feb 19, 2024 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Question about timing of estimated taxes
Replies: 7
Views: 611

Re: Question about timing of estimated taxes

Thanks all. Seems like the way to go to keep funds working longer during the year.
by AAA
Mon Feb 19, 2024 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Question about timing of estimated taxes
Replies: 7
Views: 611

Question about timing of estimated taxes

I just wanted to confirm my understanding of the situation. Let's say you figure your 2024 estimated tax payments based on everything: interest, dividends, etc. as well as required minimum distributions (RMD) from IRA's and a 401K. Is it true that if you take the RMD's late in the year you can withhold from them what you need to cover not only their amount but all other income categories also? If so, is there any downside to this, assuming you don't need the RMD funds earlier in the year?
by AAA
Sat Feb 17, 2024 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting accrued interest paid in H&R Block
Replies: 5
Views: 1005

Re: Reporting accrued interest paid in H&R Block

talzara wrote: Sat Feb 17, 2024 4:09 pm I would add a 1099-INT for "Vanguard Treasuries Market Discount" (or another brokerage) so that it is easy to identify. Do not call it "Accrued Market Discount" because you did not accrue it annually. You realized the entire market discount at maturity.
Thank you. That seems to be the consensus advice.
by AAA
Sat Feb 17, 2024 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Sat Feb 17, 2024 2:21 pm If I were in the situation, I would put the amount as Treasury interest (Box 3) with the made-up 1099-INT. The taxable income on the state income tax return would not include that amount. By having the amount as Market Discount, the software might need additional entries to have the taxable income on the state income tax return be correct.
Done. I greatly appreciate your guidance in this matter and have taken copious notes for next year.
by AAA
Sat Feb 17, 2024 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

Entering a made-up 1099-INT would likely be simpler for those subject to state or local income tax. Almost there ! So in the 1099-INT input window, there's box 3 "Interest on U.S. Savings Bonds and Treasury obligations" where I thought this belonged. But there's also a box 10 "Market Discount" which sounds more relevant. Below is what the Learn More link says about box 10 (I think the statement about interest rates is not correct, but that's beside the point). What confuses me is the statement that the program doesn't use the box 10 amount. So should I keep the date in box 3? Market Discount Your financial institution will only use Box 10 for covered securities. These are certain debt obligations acquired after 2013. A ...
by AAA
Sat Feb 17, 2024 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Sat Feb 17, 2024 9:54 am Entering a made-up 1099-INT would likely be simpler for those subject to state or local income tax. It would have in one place an amount to be treated as U.S. Treasury interest, rather than manually overriding what is on two income tax forms: the federal Schedule B and the state or local income tax form used to exclude U.S. Treasury interest from state and local taxable income.
That appears to be the best alternative. Thank you for your help. It seems odd that the program wouldn't automatically handle what I would think is a fairly common situation.
by AAA
Sat Feb 17, 2024 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Reporting accrued interest paid in H&R Block
Replies: 5
Views: 1005

Re: Reporting accrued interest paid in H&R Block

When you enter the 1099-INT, check the box for adjustment and enter the accrued interest there. Thank you. As you seem familiar with the program I'd like to ask you something from another thread to maybe get additional insight. When a treasury bond bought at discount matures, it's reported in a 1099-B but the difference, proceeds-basis, is "market discount" and should be treated as ordinary income, not a capital gain. The program says: "Since you have a market discount for this sale, we'll need to know your market discount adjustment. Your market discount adjustment is considered interest income. Tell us the amount here, but you'll also need to enter it in Interest Income (Form 1099-INT)"" So I entered a market dis...
by AAA
Fri Feb 16, 2024 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

In a previous post, you included the following instructions from the income tax return software that you use: Since you have a market discount for this sale, we'll need to know your market discount adjustment. Your market discount adjustment is considered interest income. Tell us the amount here, but you'll also need to enter it in Interest Income (Form 1099-INT) It looks like the software wants you to enter a made-up Form 1099-INT with an amount equal to the accrued market discount from Form 1099-B. The program does not automatically include the amount in Schedule B. The made-up Form 1099-INT should likely have "Accrued Market Discount" as the payer. I had also contacted H&R about this. The rep suggested that I modify Schedu...
by AAA
Fri Feb 16, 2024 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Fri Feb 16, 2024 11:22 amConfirm that the generated income tax return has a Form 8949 where the row for the Treasury security with an Accrued Market Discount on Form 1099-B has a Gain or Loss (column (h)) of zero.
Thank you. I did as you suggested. The following is from Form 8949. The second item is a treasury that had an accrued market discount of $837. The layout is a bit confusing but col. h appears to be zero.

But...(there's always a but) if I check out Schedule B in the program's forms, it only show interest and dividends that were reported in 1099-INT and 1099-DIV. If the accrued market discount is treated as ordinary interest, should it show up there or would it be somewhere else?

Image
by AAA
Fri Feb 16, 2024 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Reporting accrued interest paid in H&R Block
Replies: 5
Views: 1005

Re: Reporting accrued interest paid in H&R Block

I'm also trying to find that out. The program used it last year but I don't remember where.

I'm up to the point where it finished all income items and haven't yet started the adjustments to income, thinking maybe it's there. Have you gone through adjustments yet?
by AAA
Fri Feb 16, 2024 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

So I entered the 1099-B data separately for each of the treasuries that matured in 2023. After all the 1099-B data was entered, including the "accrued market discount," a window came up as follows:

"What's your market discount adjustment?
Since you have a market discount for this sale, we'll need to know your market discount adjustment.
Your market discount adjustment is considered interest income. Tell us the amount here, but you'll also need to enter it in Interest Income (Form 1099-INT)"

It says to enter it as a negative amount. What is "market discount adjustment" and is it relevant to bonds that were held to maturity? I just left it blank.
by AAA
Fri Feb 16, 2024 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Treasury MM dividends and HR Block
Replies: 10
Views: 1012

Re: Treasury MM dividends and HR Block

AAA wrote: Mon Feb 12, 2024 6:25 pm I was going to do this but the program actually says that if you have dividends with U.S. interest you should enter each separately with their separate %. I don't understand why it would say that as the final amount of U.S. interest is the same in either case and is the single figure the program would use when doing the state return.
Quoting myself here but I thought of a possible reason - if your state treats qualified and non-qualified dividends differently. Could that be the reason? My state only computes tax on the 1040 line 3b (total dividends) and doesn't appear to distinguish qualified dividends so I may just go ahead and enter the % government obligation for the combined total as @jebmke does.
by AAA
Mon Feb 12, 2024 6:37 pm
Forum: Personal Consumer Issues
Topic: Recent paint work is already failing
Replies: 27
Views: 3214

Re: Recent paint work is already failing

gotoparks wrote: Mon Feb 12, 2024 1:52 pmI just got bids from two companies on painting my shutters. I went with the highest bid because she gave me a detailed estimate. Everything is in writing.
A trusted contractor I know was at my house and I asked about painting the shutters. He said it would be cheaper just to replace them. Of course, our situations are no doubt different.
by AAA
Mon Feb 12, 2024 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury MM dividends and HR Block
Replies: 10
Views: 1012

Re: Treasury MM dividends and HR Block

When I know the total US interest for the account, I divide it by my total Divs to determine what percentage will get me the right dollar amount. I was going to do this but the program actually says that if you have dividends with U.S. interest you should enter each separately with their separate %. I don't understand why it would say that as the final amount of U.S. interest is the same in either case and is the single figure the program would use when doing the state return. I calculated that the total amount of state tax that it would save me by taking advantage of U.S. interest was less than about $20. Since I wasn't sure why the program said what it did and didn't want to bother doing it, I just decided not to check the U.S. interest ...
by AAA
Mon Feb 12, 2024 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

With tax preparation software, the user likely does not combine 1099-B items. The items are entered or imported, and the tax preparation software will combine items as the IRS wants the items to be combined in the electronic filing or paper forms. In anticipation of entering 1099-B data upon the next program update, I’m looking over my consolidated statement from Fidelity. There’s only six items so no great burden to enter individually, but if the program accepts groups I could do it with two entries as they are all treasuries. But I have another question. There’s a section in the statement called Accrued Interest Paid on Purchases. I know what this term means but the CUSIPs of the two items listed there don’t match any of the six items in...
by AAA
Sun Feb 11, 2024 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Sat Feb 10, 2024 9:41 am The accrued market discount is reported on Form 1099-B, not 1099-INT. However, by following the income tax return instructions, that amount will be included as interest income on the income tax return.
I'm up to entering this in H&R Block but it says this part of the interview is not ready yet so I have to wait for, hopefully, the next update. I assume that it will ask me the appropriate questions. But also I think this means that I can't combine all 1099-B items of a certain category, e.g. basis reported to IRS, if it would mix, say, CD's and Treasuries.
by AAA
Sat Feb 10, 2024 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Sat Feb 10, 2024 9:41 am The accrued market discount is reported on Form 1099-B, not 1099-INT. However, by following the income tax return instructions, that amount will be included as interest income on the income tax return.
Ok thanks. I'll just feed all the data to the H&R Block program.
by AAA
Sat Feb 10, 2024 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

T-bills or T-bonds. Have you read https://www.bogleheads.org/forum/viewtopic.php?t=390405 In particular, https://www.bogleheads.org/forum/viewtopic.php?p=6975607#p6975607 I'd have to look but I bought several on the secondary market and they no doubt included some bonds. These were bought at discount and held to maturity. I looked through your links and there's no way I'm going to get a complete understanding of all this in a short amount of time. My understanding was that the difference between the purchase price and the redemption price is treated as interest (and I know about accrued interest) so I was surprised to see them showing up on schedule 1099-B. If this is correct and there's nothing for me to do about it, then I'll just enter ...
by AAA
Sat Feb 10, 2024 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Sat Feb 03, 2024 2:53 pm The discount is taxed as ordinary income. The discount is reported either (1) on the income tax return for the year when the bond matures (or is otherwise disposed) or (2) on the income return for each year during which the bond is owned, using a discount accrual method allowed by the IRA.
I'm confused. Some Treasury items were redeemed at maturity during 2023 in my Fidelity account. The redemptions are reported in a 1099-B (capital gains) not a 1099-INT (interest).
by AAA
Fri Feb 09, 2024 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering estimated tax from previous state
Replies: 8
Views: 563

Re: Recovering estimated tax from previous state

Big Dog wrote: Fri Feb 09, 2024 10:48 am yes, needs to file in both states: 1) former state as a non-resident showing zero income attributed to that state, and due a refund for withholding; 2) new state where income taxes should have been withheld. (Note, likely subject to penalties an interest.)
New state has no income tax.
by AAA
Fri Feb 09, 2024 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering estimated tax from previous state
Replies: 8
Views: 563

Re: Recovering estimated tax from previous state

donall wrote: Fri Feb 09, 2024 10:41 am Your son should file a non-resident tax return with the state he was not a resident of for a refund of his estimated payments.
Yes, I should have thought of that. Thanks.
by AAA
Fri Feb 09, 2024 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Recovering estimated tax from previous state
Replies: 8
Views: 563

Re: Recovering estimated tax from previous state

BogleTaxPro wrote: Fri Feb 09, 2024 10:02 am As an aside, though...you're not planning on claiming him as a dependent, right?
Right, but thanks for the heads up.
by AAA
Fri Feb 09, 2024 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Recovering estimated tax from previous state
Replies: 8
Views: 563

Recovering estimated tax from previous state

This question relates to a student in graduate school not in his home state. In order to receive a stipend from the school, it required that he become a resident of that state. Up to then we had been using our home as his permanent address and the address used for his income taxes, as is usual when a student is at an out-of-state school. For all of 2023 he was a resident of the other state (new driver's license etc.) but not fully anticipating this, estimated tax was paid to the home state in 2022 for use on his 2023 tax. I'm assuming, since none of his 2023 income is subject to the home state, that what he should do is file a return with the home state showing zero income for 2023. Using the usual home address would match up better with hi...
by AAA
Sun Feb 04, 2024 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Re: Taxation of Treasuries

FactualFran wrote: Sat Feb 03, 2024 2:53 pm The discount is taxed as ordinary income. The discount is reported either (1) on the income tax return for the year when the bond matures (or is otherwise disposed) or (2) on the income return for each year during which the bond is owned...
Which is done by default by Vanguard or Fidelity?
by AAA
Sat Feb 03, 2024 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of Treasuries
Replies: 27
Views: 3239

Taxation of Treasuries

Anticipating doing my 2023 taxes, I've tried searching this topic but it gets complicated quickly whereas I think my question is relatively simple. I've recently been purchasing Treasuries and, without checking my account, I think all have been at discount i.e. the price paid is less than the value of the bond at maturity. When the bond matures, is there a capital gains tax on the difference or is that treated as income and reported on a 1099-INT?

For completeness, if the bond is purchased at premium, i.e. higher than the value at maturity, is that treated as a capital loss?

In both cases assume the bond is held until maturity.

Thanks.
by AAA
Mon Jan 29, 2024 10:03 am
Forum: Personal Investments
Topic: CD Strategy
Replies: 15
Views: 1296

Re: CD Strategy

patrick wrote: Mon Jan 29, 2024 8:51 am Direct CDs are available with significantly higher rates than you listed. https://www.depositaccounts.com/cd/ has an extensive list, currently including:

5.70% for 9 months - NASA FCU
5.61% for 12 to 17 months - Library of Congress FCU
5.27% for 2 years - Monesty
Yes, but my funds are in an IRA and I don't want the hassle of moving it (if even these entities allow IRA's),
by AAA
Mon Jan 29, 2024 10:01 am
Forum: Personal Investments
Topic: CD Strategy
Replies: 15
Views: 1296

Re: CD Strategy

rkhusky wrote: Mon Jan 29, 2024 7:33 am When are you going to need the money from the CD?
I don't anticipate needing it any time.
by AAA
Mon Jan 29, 2024 7:29 am
Forum: Personal Investments
Topic: CD Strategy
Replies: 15
Views: 1296

CD Strategy

I'm looking to purchase a CD at Fidelity but am a bit confused as to what term to choose. Considering new issue CD's that are call protected, we have the following best rates for the time period I'd be interested in:

1 year 4.8 %
1.5 year 4.75 %
2 year 4.45 %

To purchase a 2 year CD would imply the belief that interest rates will be declining in the near future so it's good to lock in 4.45 %. Is that a reasonable approach at this time (or is it market timing, something good Bogleheads aren't supposed to do)? Just wondering what people are doing now.

Thanks.
by AAA
Thu Jan 11, 2024 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is everyone doing to protect your assets/SSN/credit?
Replies: 54
Views: 7575

Re: What is everyone doing to protect your assets/SSN/credit?

Paullmas wrote: Thu Jan 11, 2024 6:34 pm I will NEVER use VENMO or any other "services".
Why?
by AAA
Sun Jan 07, 2024 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: Car rentals - collision damage waiver (CDW)
Replies: 50
Views: 5650

Re: Car rentals - collision damage waiver (CDW)

Would this be a factor - say you had a recent claim on your car insurance so purchasing the rental agency's coverage would avoid having to make another claim with your insurer, which could lead to higher rates at the next renewal or even being dropped?
by AAA
Sun Jan 07, 2024 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: ID.me - I surrendered
Replies: 29
Views: 6525

Re: ID.me - I surrendered

RationalWalk wrote: Sun Jan 07, 2024 10:06 am ID.me said it couldn't verify my identity with the number and I lost all my previous work which including the photo of my driver's license, the selfie, the lamb sacrifice, etc. More than annoying. Does anyone know WHY the dam thing can't verify the phone number?
All our cell phones are on our family plan, the account being in my name. Does that mean that no one other than me would be able to verify their identity with their phone numbers?
by AAA
Fri Dec 29, 2023 7:48 am
Forum: Personal Consumer Issues
Topic: IRS forcing new Login
Replies: 74
Views: 14604

Re: IRS forcing new Login

Tabulator wrote: Thu Dec 28, 2023 1:23 pm
AAA wrote: Tue Dec 26, 2023 7:27 pm I had no idea they would mail me my 2024 IP PIN.
Are you saying, in retrospect, it turned out to be unnecessary for you to sign up for ID.me?
Apparently, at least as far as retrieving my IP PIN is concerned. I thought that since I had been doing so online the past couple of years that would be the only way for me to get it and since my usual login wouldn't work I went ahead and signed up with ID.me. But to my surprise the IRS mailed me my IP PIN. I was actually somewhat disappointed that they did so because of security concerns as expressed by others e.g. mail going astray.
by AAA
Thu Dec 28, 2023 12:03 pm
Forum: Personal Consumer Issues
Topic: Best Tips for a Macbook Air?
Replies: 16
Views: 1649

Re: Best Tips for a Macbook Air?

LaurenRose wrote: Wed Dec 27, 2023 10:22 am There are no updates to be done. I did notice an uptick of issues after the Sonoma 14.2 upgrade...
I have a 2019 MacBook Pro. I usually wait a while before updating the OS but went ahead with Sonoma and ever since things have been wonky, to use your term, mainly with touch id which basically doesn't work at all and yes I've tried all the usual workarounds. Updating to 14.1.2 didn't help. I've read posts that indicate it's not just my machine. Next time I won't be so quick to update.
by AAA
Tue Dec 26, 2023 7:27 pm
Forum: Personal Consumer Issues
Topic: IRS forcing new Login
Replies: 74
Views: 14604

Re: IRS forcing new Login

One of the main reasons that I finally gave in and signed up with ID.me recently was because I wanted to get the identity protection PIN after the new year and thought it was only available online as that was the method I had used for the past couple of years. Today I got a letter from the IRS saying that my traditional log in would not work anymore so they are sending me this letter with my 2024 IP PIN. They encouraged me to sign up with ID.me. I had no idea they would mail me my 2024 IP PIN.
by AAA
Fri Dec 22, 2023 7:08 am
Forum: Personal Consumer Issues
Topic: Amazon delivery time issues
Replies: 33
Views: 4065

Re: Amazon delivery time issues

I've sometimes experienced the opposite. When checking out I'd select free shipping rather than pay for a shorter delivery time but the item comes sooner than the free shipping delivery estimate.
by AAA
Fri Dec 22, 2023 7:05 am
Forum: Personal Consumer Issues
Topic: Amazon Q&A MIA
Replies: 25
Views: 2839

Re: Amazon Q&A MIA

wallygator wrote: Fri Dec 22, 2023 6:35 am I have cut way back on Amazon and have been buying a lot more from Walmart.com. Similar price but actually quicker delivery FWIW....
I've had some luck with Walmart but it seems it has more "other sellers" than on Amazon and they can have low feedback ratings. So just a word of caution to check out the seller on both platforms.
by AAA
Wed Dec 20, 2023 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: need info about how to pay IRS, track stuff etc if no ID.me
Replies: 30
Views: 3245

Re: need info about how to pay IRS, track stuff etc if no ID.me

popoki wrote: Wed Dec 20, 2023 3:46 pmLibrary.
I wouldn't use a public computer to upload personal information.