Search found 985 matches

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: 3157

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...
by AAA
Mon Aug 06, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: FedEx / UPS Vacation Hold?
Replies: 12
Views: 1234

Re: FedEx / UPS Vacation Hold?

Personally, I would be uncomfortable telling any organization that I will be away. One just doesn't know who has access to that information. If possible, I prefer to have a neighbor get my mail when I'm away.
by AAA
Sat Aug 04, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 839

Re: Browser security question

Pancakes-Eggs-Bacon wrote:
Sat Aug 04, 2018 8:13 pm
The session cookie is most valuable to a hacker since, if stolen and still valid, can be used to pretend to be you (logged in) from their own computer.
I'm getting confused. :? They can only do that with the session cookie if I'm still logged into the website, right?
by AAA
Sat Aug 04, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 839

Re: Browser security question

But for financial sites like Vanguard, banking, etc. where you DO want that session cookie destroyed for your own security (even if you forget to manually log out), Cookie AutoDelete will automatically destroy the Vanguard session cookie (and all Vanguard cookies) 60 seconds after all Vanguard tabs...
by AAA
Sat Aug 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 839

Re: Browser security question

Thanks for all the responses. So the advice is that if I go to a site such as Vanguard, log in, do my thing and then log out, it is not necessary to clear the browser history in order to eliminate the possibility of a hacker gaining knowledge of my password. As mentioned, clearing the history is not...
by AAA
Sat Aug 04, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 839

Re: Browser security question

no not necessary. what happens when you log off yahoo, close your browser, then reopen it? are you sure you are logged back in? This is what I meant - I use Firefox to check my Yahoo Mail and Gmail accounts. When done, I close the browser and even switch users on my Mac. When I come back at another...
by AAA
Sat Aug 04, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Browser security question
Replies: 13
Views: 839

Browser security question

I use Safari and Firefox. My question relates specifically to entering a password on a website. Such sites often recommend closing the browser when you are done but on many websites you are still logged in when the browser is re-opened e.g. Yahoo. If you log out of a website with the browser still o...
by AAA
Sat Jul 28, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Mold in caulk of shower
Replies: 21
Views: 2125

Re: Mold in caulk of shower

I spray a mixture of one part water and one part bleach onto the shower walls and the tub caulking, open the window and close the door. I wait 20 minutes or so and then wash it all down with the shower head. It seems to do a good job of removing mold from the tile grout and tub caulking. I may have ...
by AAA
Wed Jul 25, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3764

Re: negative comments about "Brazil nuts"

JoeRetire wrote:
Wed Jul 25, 2018 5:33 pm
(Any listing on Amazon that has any significant number of reviews will have some negative reviews. Don't pay too much attention to them.
Ha, I'm just the opposite - I tend to focus on the 1 and 2 star reviews - but put them in context if they are a small % of the total.
by AAA
Tue Jul 24, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5202

Re: High voltage powelines near house

That is incorrect. It shows us many things, not "only" the resistance outside the medical research community to accepting the results. Most notably, it shows us that there was research accessible to those willing to look up the studies a relatively short time period after the research started to be...
by AAA
Mon Jul 23, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5202

Re: High voltage powelines near house

Which is not to say we should be heedless to risk, but that just because someone hypothesizes something might be risky is not in and of itself a reason to act on that hypothesis. But sometimes common sense should prevail - if a company decides to pump chemical waste into a river, should we wait sev...
by AAA
Mon Jul 23, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 7760

Re: Engineers come in.

When I was a teaching assistant for a technical course, I emphasized to the students that they should spend a significant amount of time reading the text and that it was not like reading a novel. You need to know A before proceeding to B, you need to know B before proceeding to C, etc. The OP's frie...
by AAA
Mon Jul 23, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5202

Re: High voltage powelines near house

By contrast, there is no evidence that non-ionizing radiation from power lines causes cancers or other health problems. People seem to naturally divide into two camps. One believes that unless and until something proves to be a health hazard, we should go ahead and use it. The other believes that u...
by AAA
Mon Jul 23, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5202

Re: High voltage powelines near house

How many years did it take before cigarettes were acknowledged as a health risk? "[Smoking is] "a custome lothsome to the eye, hatefull to the nose, harmefull to the braine, daungerous to the Lungs, and in the blacke stinking fume thereof, nearest resembling the horrible Stigian smoke of the pit th...
by AAA
Mon Jul 23, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5202

Re: High voltage powelines near house

The link was suspected by the 30's, and compelling research started to be published on it in 40's. As I understand it, the smoking researching was a major milestone in the development of modern epidemiology. This only shows how long it took for something to be fully acknowledged as harmful. Also, i...
by AAA
Sun Jul 22, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: High voltage powerlines near house
Replies: 72
Views: 5202

Re: High voltage powelines near house

How many years did it take before cigarettes were acknowledged as a health risk?
by AAA
Sun Jul 15, 2018 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 976

Re: Health insurance gap

Prepare paperwork for Cobra but do not send in. Son has up to sixty days to apply for Cobra, so he can apply up to October 12, as October 14 is a Sunday. If after two weeks, if no medical care is needed son does not pay for Cobra or send in paperwork. If medical care is necessary (and costs more th...
by AAA
Sun Jul 15, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 976

Re: Health insurance gap

So I was looking to cover the gap period (Aug 15 -Sept 30). Like you I contacted healthcare.gov and heard what you did - they will only start the policy on the 1st of a month. Just to clarify - I was not expecting healthcare.gov to just cover the gap period. We would gladly pay for all of August in...
by AAA
Sun Jul 15, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 976

Re: Health insurance gap

Regarding healthcare.gov, I had talked with two reps about my son's situation and they both told me he could apply by July 15 for August coverage. He went ahead and submitted the application online but it put a Sept 1 start date. He called twice and each time was told that he couldn't start in Augus...
by AAA
Sat Jul 14, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance gap
Replies: 10
Views: 976

Health insurance gap

We haven't been getting reliable information from various sources so I thought I'd ask here also. My son will have a gap in insurance from mid-August to Sept 1, i.e. two weeks, as he is changing schools. healthcare.gov is not available as he has coverage for part of August. Current insurer said COBR...
by AAA
Sat Jul 14, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8657

Re: Be Careful Using Mailboxes

It's recommended to use a gel pen when writing checks. Hadn’t heard this before. Does the gel ink not wash out? I've read this several places, for instance here: http://www.ckfraud.org/washing.html From the last paragraph: WHAT TYPE OF PEN TO USE WHEN WRITING A CHECK: If you are a ballpoint pen lov...
by AAA
Fri Jul 13, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 62
Views: 8657

Re: Be Careful Using Mailboxes

It's recommended to use a gel pen when writing checks.
by AAA
Thu Jul 12, 2018 12:50 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 700

Re: Forum is logging me out again

Thanks for all the suggestions. So far, this episode of being logged out is not as bad as a few months ago when it was pretty much a daily occurrence.
by AAA
Thu Jul 12, 2018 8:29 am
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 700

Re: Forum is logging me out again

Safari is up to date but I am still in MacOS Sierra. I usually like to stay a bit behind until all the bugs are worked out.
by AAA
Wed Jul 11, 2018 9:34 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 700

Re: Forum is logging me out again

LadyGeek wrote:
Wed Jul 11, 2018 7:10 pm
Do you have more than one browser window open, perhaps one "normal" window and one for private browsing? Your browser has a set of cookies for each mode (normal and private).
I use multiple tabs (in Safari) but not multiple windows, and I don't use private browsing.
by AAA
Wed Jul 11, 2018 5:29 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 700

Re: Forum is logging me out again

Are you clearing your History/Cookies/Cache upon closing the browser or manually? If you clear or do not save cookies (setting), then it will not remember your settings. So I made sure not to clear anything out and the forum kept me logged in for about a week until I had to log in yesterday. Today ...
by AAA
Tue Jul 10, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 12
Views: 955

Re: Stable Value Fund

Stable value funds are only available in qualified retirement plans such as 401K's, although I never really understood why there was such a limitation. Not so. TIAA offers their stable value fund in their traditional and Roth IRAs. It is completely liquid, but pays less than it does in a employer r...
by AAA
Tue Jul 10, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 12
Views: 955

Re: Stable Value Fund

Stable value funds are only available in qualified retirement plans such as 401K's, although I never really understood why there was such a limitation.
by AAA
Sat Jul 07, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2497

Re: E- Billing & Autopay

The mail delivery in my area has been spotty at times, with us getting a neighbor's letter and I assume something of ours going to someone else, so we use e-billing as well as autopay whenever available without a fee. Our Verizon bill for t.v., phone and internet can be paid with a credit card, but ...
by AAA
Fri Jul 06, 2018 12:05 pm
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 700

Re: Forum is logging me out again

bloom2708 wrote:
Fri Jul 06, 2018 9:57 am
Are you clearing your History/Cookies/Cache upon closing the browser or manually?

If you clear or do not save cookies (setting), then it will not remember your settings.
That could be it. I'll investigate. Thanks.
by AAA
Fri Jul 06, 2018 9:45 am
Forum: Forum Issues and Administration
Topic: Forum is logging me out again
Replies: 10
Views: 700

Forum is logging me out again

In the past, I had an issue with having to log in to the forum almost every day (despite checking the box to be kept logged in). I use Safari on a Mac with up to date software. There didn't seem to be any solution to this at the time, but then, possibly after a forum software update a few months ago...
by AAA
Fri Jul 06, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 12638

Re: What I spent in 6 months on medicare

yosh99 wrote:
Thu Jul 05, 2018 6:16 pm
And Medicare does not cover dental or vision expenses.
My Medicare Advantage plan ($77/month) includes some coverage for these.
by AAA
Thu Jun 28, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2113

Re: AOL - update to terms of service

But after the third ISP (and email address) change, I got a domain. Anyone I cared to hear from got the new address and that hasn't and won't change again. Take the plunge, you'll be glad you do. Can you elaborate? Some entity must be hosting (probably not the right term) your domain name and provi...
by AAA
Thu Jun 28, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2113

Re: AOL - update to terms of service

Protonmail is a step beyond that in privacy: https://protonmail.com/security-details but as I mentioned I abandoned it because it was inconvenient for me. Thanks for the clarification. Can you elaborate on what the inconvenience was with Protonmail? As an aside rant, I've tried several times to get...
by AAA
Thu Jun 28, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2113

Re: AOL - update to terms of service

As far as I know, there is no email provider anywhere that does not possess the ability to read your emails. And according to Nolo , there is a law that allows your ISP to read emails once stored on their servers: Are you saying AOL Mail's new terms of service are standard for all email providers?
by AAA
Wed Jun 27, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2113

Re: AOL - update to terms of service

bac wrote:
Wed Jun 27, 2018 6:00 pm
Though I have AOL, Yahoo, Gmail and Outlook accounts, I have my own domain ($10/year) hosted at Tuffmail.com ($21/year) and use it for 95 percent of my email.
And you're sure their terms of service don't allow them to read your emails?
by AAA
Wed Jun 27, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: AOL - update to terms of service
Replies: 29
Views: 2113

AOL - update to terms of service

I had been using Verizon email. After they got out of that service, I migrated to AOL Mail (now owned by Verizon), which let us continue to use our ****@verizon.net email address. We are getting a notice of an update to the terms of service and privacy policy of the entity called Oath, which is a co...
by AAA
Thu Jun 21, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 27
Views: 2330

Re: Paper tax return filed at deadline - still no refund 7 weeks later

jacoavlu wrote:
Thu Jun 07, 2018 9:26 pm
I did my taxes with TurboTax but my return required a form unsupported by TurboTax so I had to print and file by mail, which I did at the deadline.
I would imagine that "at the deadline" the IRS gets swamped with returns, leading to a big backlog. So 7 weeks doesn't sound too unusual.
by AAA
Tue Jun 19, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Carpet Installers- Tipping?
Replies: 22
Views: 1719

Re: Carpet Installers- Tipping?

This type of question has been asked before and, as expected, there are a range of responses from no, it's their job and they are already getting paid, to yes, they did a good job, were courteous and probably don't make a lot of money so why not make their day a little brighter.
by AAA
Mon Jun 18, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8756

Re: Which Supermarket are you?

Luis94r wrote:
Sun Jun 17, 2018 9:55 am
Do you believe in the Organic hype and only shop at Whole Foods or do you go to Trader Joes for the cheaper alternative?
I don't believe in the "pesticides are good for you" hype.
by AAA
Mon Jun 18, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8756

Re: Which Supermarket are you?

What supermarkets do you Boggleheads go to and do most of your grocery shopping. Do you believe in the Organic hype and only shop at Whole Foods or do you go to Trader Joes for the cheaper alternative? Traders has a lot of organic items also, so it's not necessarily one or the other in that regard....
by AAA
Fri Jun 15, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 48
Views: 3000

Re: Question for those who used 529 plans

Leesbro63 wrote:
Fri Jun 15, 2018 12:30 pm
This HAS to be the Pa 529 Guaranteed Savings Plan.
Correct. Are there no other state plans like this now, or is PA the only one to have imposed a premium?
by AAA
Fri Jun 15, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Question for those who used 529 plans
Replies: 48
Views: 3000

Re: Question for those who used 529 plans

We used our state's guaranteed savings plan in which you buy a number of credits at today's price and they promise to have those number of credits available to you later on. I think we actually did well, although I'm not sure of any specific numbers, because we put in our investment in a lump sum ea...
by AAA
Mon May 14, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 60
Views: 16526

Re: Stopping unwanted "junk" newspaper

Our experience is that they stopped delivery when we asked.
by AAA
Tue May 08, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2229

Re: Please confirm Social Security strategy

Thanks all. Just wanted to make sure.
by AAA
Tue May 08, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 10
Views: 748

Re: Medicare enrollment-Part B only

I also got many phone calls. And even about 6 people who came to the door of the house (I was never around for those but I assume they were paid by commission by someone). We're getting phone calls and at least one person came to the door that we know about. It's disturbing how many entities know t...
by AAA
Tue May 08, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2229

Re: Please confirm Social Security strategy

Austintatious wrote:
Tue May 08, 2018 3:25 pm
DW's birthdate?
1953
by AAA
Tue May 08, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Please confirm Social Security strategy
Replies: 14
Views: 2229

Please confirm Social Security strategy

I started collecting at full retirement age. Spouse is one year away from full retirement age and has not started collecting yet. Her monthly amount at full retirement age is just about exactly half mine. I'd appreciate confirmation of what we plan to do. My understanding is that spouse is grandfath...
by AAA
Tue May 08, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare enrollment-Part B only
Replies: 10
Views: 748

Re: Medicare enrollment-Part B only

The mystery of that postcard was not solved. I am positive it was from the CMS and not some sort of phishing spam. I don't know what form you received, but my spouse is nearing Medicare age and almost daily we get mailings from insurance companies, not Medicare. And we're more the "face to face" ty...