Search found 1083 matches

by AAA
Tue Feb 12, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1133

Re: Tax Software Privacy

The Mac versions of TurboTax 2014 and 2015 sent your data to Intuit's servers for printing. They fixed this in TurboTax 2016. The Windows version of TurboTax has always been able to print locally. Right, now that I recall it was just for Mac versions. Good to know it was fixed in case H&R does some...
by AAA
Sun Feb 10, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1133

Re: Tax Software Privacy

RickBoglehead wrote:
Sun Feb 10, 2019 6:26 pm
Been fling with TT for over 20 years and that's news to me.
This was was definitely the case for the 2014 tax year as I corresponded with a fairly high up guy at TT about it at the time and he confirmed, with assurances that it was safe to do.
by AAA
Sun Feb 10, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software Privacy
Replies: 11
Views: 1133

Re: Tax Software Privacy

A few years back, TurboTax required returns to be sent to their server for formatting so they could be printed locally using their desktop software. That was a no-no for me. The issue is not necessarily abuses by these companies but hacking, software bugs, etc. that could compromise the information....
by AAA
Fri Feb 01, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 1668

Re: Credit Cards - Autopay inconsistent across companies?

I generally don't like giving any vendor / company the checking account info to allow them to just do a pull from my account. It seems like a single snafu can result in everything in my checking account getting drained out, and taking me months to get it fixed with whoever did the pull. Related to ...
by AAA
Tue Jan 29, 2019 9:50 pm
Forum: Personal Investments
Topic: Help buy a CD for RMD in 3 years
Replies: 34
Views: 2098

Re: Help buy a CD for RMD in 3 years

The $1,000,000 refers to how much is available to purchase, not the minimum amount, but you can verify by calling Fidelity. As for the CD itself, it looks fine to me - FDIC insured (as all of Fidelity's would be), survivor option, call protection, etc. It pays interest twice a year. Some pay monthly...
by AAA
Sun Jan 13, 2019 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3684

Re: Stay in private practice medical or take VA job offer?

Especially since the folks who are in between CAN NOT understand why you are doing it since they aren't even in the same field of your expertise (medicine vs. business folks). No large organization can be more efficient then a smaller organization. I agree and have had managers in megacorp who had ...
by AAA
Sun Jan 13, 2019 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 853

Re: When and how to report income

Good Listener wrote:
Sun Jan 13, 2019 3:25 pm
How much income are we talking about per year? Do the other folks know he is compensating himself?
The answer to your first question is maybe a few hundred dollars.

I'll skip your second question unless the answer is relevant to the information we are seeking,
by AAA
Sun Jan 13, 2019 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 853

Re: When and how to report income

I have been intentionally vague about my acquaintance's activity so as to focus just on the income tax aspects. Let's not be judgmental about the income he is deriving especially as that would be unfair to do without knowing the specifics of the situation.
by AAA
Sun Jan 13, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: When and how to report income
Replies: 12
Views: 853

When and how to report income

An acquaintance of mine asked for some business-related tax advice, but as he and I only have experience with personal income taxes I offered to post some questions here. The situation is that he started an interest group that occasionally meets at various venues. He adds a nominal amount to the fee...
by AAA
Sun Jan 13, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Stay in private practice medical or take VA job offer?
Replies: 45
Views: 3684

Re: Stay in private practice medical or take VA job offer?

staythecourse wrote:
Fri Jan 11, 2019 6:58 pm
In exchange you are getting into a situation you have admin. incompetence to the upteenth level in the government
Having spent a career dealing with management incompetence in a mega corp, I always find such generalizations to be somewhat of an exaggeration.
by AAA
Wed Jan 09, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security
Replies: 10
Views: 1000

Re: Applying for Social Security

Although I do most things online these days, I prefer to deal with people face to face for things like this so I made an appointment at a nearby Social Security office when it was time to apply for Soc. Sec. and Medicare. The agent was knowledgeable and helpful and everything went smoothly. We did t...
by AAA
Sun Jan 06, 2019 7:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2725

Re: Vanguard Statements - Print or Electronic

I keep (multiple copies of) the most recent statements. I guess I do this so that in the event of a big IT disruption I could have documentation of my account. But I sometimes wonder - as it is probably easy to fabricate such documents, would Vanguard or other entity actually reconstitute my account...
by AAA
Fri Dec 28, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Tips on preventative home maintenance?
Replies: 43
Views: 4735

Re: Tips on preventative home maintenance?

WhyNotUs wrote:
Thu Dec 27, 2018 11:50 pm
• Refrig. coils vacuumed
I used to do this periodically with our last refrigerator but we recently got a new G.E. one and I didn't see any easy access to the coils. I called G.E. about this and they said there is no need to do it. Does that sound right?
by AAA
Wed Dec 26, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: eBay Sellers Ratings and Avoidance
Replies: 4
Views: 549

Re: eBay Sellers Ratings and Avoidance

If you want to be even more careful with big items, check the seller's feedback record for recent sales. Someone with a high feedback % might start to go downhill and if he is a large volume seller his feedback % won't be affected for a while. 90% would be too low for me. Yes, it's true about eBay a...
by AAA
Sat Dec 15, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze
Replies: 13
Views: 1388

Re: Experian credit freeze

Regarding these credit file freezes, I believe that it is now free to freeze and unlock your file. What about the duration of the freeze? Some state laws had restricted the duration of the freeze to a fixed number of years, after which you would have to re-freeze the files. Has there been any overri...
by AAA
Fri Dec 14, 2018 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling 401k to IRA after Retirement
Replies: 6
Views: 587

Re: Rolling 401k to IRA after Retirement

Alan S. wrote:
Fri Dec 14, 2018 9:29 pm
With these distribution restrictions, she should do a direct rollover to a TIRA.
Isn't this assuming all of the 401K is before tax money? When I did a rollover from my 401K, the before tax portion went to my tIRA and the after tax portion went into my Roth IRA.
by AAA
Fri Dec 14, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Question on dryer vent cleaning
Replies: 33
Views: 3513

Re: Question on dryer vent cleaning

I was standing outside my house when the dryer was on and I noticed lint coming out, so I figure it's time to clean it. We have a movable louver type fixture at the outlet of the dryer vent. I periodically clean it out as lint tends to get stuck there preventing the louvers from moving easily. I ne...
by AAA
Tue Dec 11, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

I noticed this in the pic and I think of that as a feature that I like. You can pile dishes in and then move the drainboard to a more convenient spot on counter. When dishes are dry and ready to reload, just empty out any water left in tray into sink. I realize you probably don’t like this approach...
by AAA
Tue Dec 11, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

Well, we received the drainer and while it appears to be well made we decided to return it for the following reasons: o it doesn't hold much; would be fine for a small amount of dishes o something I didn't notice earlier - it doesn't have posts for hanging glasses, so these have to take up space els...
by AAA
Thu Dec 06, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

After much consideration due this weighty topic :wink: , I've ordered this item from Bed Bath and Beyond (with a 20% off coupon that was useable online) as the idea of using the dishwasher as a drainer was not favorably received by my spouse: https://www.bedbathandbeyond.com/store/product/jascor-hou...
by AAA
Thu Dec 06, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

Sorry, I didn't see anything about wanting recommendations for a high-end dish rack in your post. In fact, your question: "So I was wondering if anyone has bought one recently that they would recommend" Sorry if I wasn't clear. I'm not necessarily looking for high-end, just something that's not too...
by AAA
Thu Dec 06, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

Been using the same cheap white plastic one for a decade without issue or complaint. I don't know what brand or model it is, but I'm sure it was $10 or less at Target or Wal-mart. This seems like an object whose acquisition doesn't need to be over-thought or optimized. I wouldn't mind one of those ...
by AAA
Wed Dec 05, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

livesoft wrote:
Wed Dec 05, 2018 8:25 pm
If I have to hand wash any dishes, then I simply put them in the dishwasher to drain and dry.
Ha. I never thought of that.
by AAA
Wed Dec 05, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Re: Recommend dish drainer (rack)

runner3081 wrote:
Wed Dec 05, 2018 6:43 pm
We bought ours at Walmart. The local $1.00 store also has them.
I'm asking about a quality dish rack and you're recommending the dollar store???
by AAA
Wed Dec 05, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Recommend dish drainer (rack)
Replies: 41
Views: 2308

Recommend dish drainer (rack)

As seems to happen more often these days, it's hard to find simple items that previously were readily available. Case in point: a dish drainer (or dish rack). Ours has been rusting for a while now, which seems to be a common complaint in reviews of other ones that I've read. Also, most of them seem ...
by AAA
Tue Dec 04, 2018 9:09 pm
Forum: Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 88
Views: 22249

Re: Schwab Vs Fidelity Vs Vanguard

The customer service issue is interesting when it comes up. It must be with account rollovers etc? Yes, but at least in my case with Vanguard it's more usually something to do with the website, emails, e-delivery, etc. I've often read in this forum about Fidelity's excellent customer service and my...
by AAA
Mon Dec 03, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4075

Re: Best new Mac/features for 2000-3000

Thrifty Femme wrote:
Thu Nov 29, 2018 10:52 pm
If you are outside the NY/NJ area, consider purchasing new from B&H Photo for no sales tax. They are an authorized Apple seller.
B&H IS NOW COLLECTING SALES TAX ON ORDERS FROM 22 US STATES
https://www.diyphotography.net/bh-is-no ... us-states/
by AAA
Fri Nov 23, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I just did the Amazon download for Mac. A couple of things - when I double-clicked on the download there was a brief error message that implied it couldn't be opened but it seemed to ignore that and mounted the disk image anyhow. Also, when you start the program, the registration window asks for an...
by AAA
Fri Nov 23, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I just did the Amazon download for Mac. A couple of things - when I double-clicked on the download there was a brief error message that implied it couldn't be opened but it seemed to ignore that and mounted the disk image anyhow. Also, when you start the program, the registration window asks for an ...
by AAA
Mon Nov 19, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

nalor511 wrote:
Mon Nov 19, 2018 8:17 am
Walmart has 2018 deluxe+state for $18 https://www.walmart.com/ip/H-R-Block-Ta ... /810000421
Mac users note: That appears to be only for the Windows version.
by AAA
Mon Nov 19, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2839

Re: Laptop security - Mac OS or Windows

I have been using an HP laptop running Win7 since 2010. My general impression is that windows is like driving a Toyota, pretty reliable, but the bootup time is long... Does your eight year old laptop have a mechanical hard drive? My Windows desktop with SSD boots up very quickly from a cold start.
by AAA
Sun Nov 18, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2839

Re: Laptop security - Mac OS or Windows

With Windows, freezes/BSODs, unscheduled reboots, etc. are all an accepted part of life. Are you speaking from recent experience with Windows 10 or from back in the day of earlier OS's? I've been using a Windows 10 desktop for more than a couple of years now and, while my usage has been light, I've...
by AAA
Sun Nov 18, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2839

Re: Laptop security - Mac OS or Windows

For $1,200 the new MacBook Air strikes me as a good value for Apple users. I don't view it as a good value given the 128 GB storage of the base model. I'd have to go with the 256 GB SSD option and buy some dongles so we're now talking about $1450 for what I've read is a somewhat underpowered machin...
by AAA
Sat Nov 17, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2839

Re: Laptop security - Mac OS or Windows

Another option is to dual boot and use a Linux os. Ubuntu and mint both get good reviews. You could use the Linux os for banking/brokerage and the windows os for everything else. Another option would be to run Linux within windows or boot Linux from usb if you are uncomfortable setting up a dual bo...
by AAA
Sat Nov 17, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2839

Laptop security - Mac OS or Windows

Long time Apple user here. My MacBook Pro is getting old so I am starting to research a replacement. My needs are modest as I have a Windows 10 desktop for heavy lifting but would like it to be capable of doing occasional photo editing. I'd like to stay with Apple but as time goes by I am less and l...
by AAA
Fri Nov 16, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2651

Re: Need advice on (2) jackets.

I always look for a jacket with a drawstring at the waist to block cold air from coming up from the bottom. If only one of these jackets had that, it would be a major point in its favor.
by AAA
Thu Nov 15, 2018 10:49 am
Forum: Personal Investments
Topic: Satisfied with 3% Returns for the last 10 years of working?
Replies: 13
Views: 2249

Re: Satisfied with 3% Returns for the last 10 years of working?

My question to the group is, are there others that go ultra conservative at 10 years prior to retirement because they just can't stomach any loss? There are some who have gone ultra conservative for longer than that. It all comes down to how risk tolerant one is and whether one needs to take on add...
by AAA
Fri Nov 09, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3160

Re: Should I reject Google drive for privacy/tracking?

vitaflo wrote:
Fri Nov 09, 2018 11:41 am
For email, Fastmail or Proton mail. Both are paid services.
A basic Proton Mail email account is free.
by AAA
Fri Nov 09, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3160

Re: Should I reject Google drive for privacy/tracking?

I just always figure that any entity giving me a free service has to extract some value for doing so. Your encrypting of sensitive data should help.
by AAA
Thu Nov 08, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 28
Views: 2503

Re: Gurgling noise from sink

It could be the fixture is just too far away from the vent stack. You could add an air admittance valve after the trap. Simple to install if you are handy. Good luck. Thanks for the suggestions, but we've lived in the house many years and I'm pretty sure I would have noticed this noise a long time ...
by AAA
Thu Nov 08, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Gurgling noise from sink
Replies: 28
Views: 2503

Re: Gurgling noise from sink

In case anyone is still following this thread, here is an update. The issue is that a few seconds after the sink empties, there is a gurgling noise ("blip, blip, blip..."). o plumber snaked line - nothing changed o someone went up on roof with a hose to flush the vent stack - no blockage there, sugg...
by AAA
Wed Nov 07, 2018 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

2pedals wrote:
Wed Nov 07, 2018 5:51 pm
Lowest price of the year could be the lowest price of 2018. Jan 1st might be a different story????
Again, my experience last year was that the "lowest price of the year" I was offered in November was eclipsed significantly even before the year's end.
by AAA
Tue Nov 06, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

If I might be so bold as to suggest.... I don't think a 5 or 10 or 15 dollar difference is going to make much of a difference to most of us in the long run. I would opt for downloading the software whenever you feel like it. True, but it's the principle of the thing. As I mentioned above, I took H&...
by AAA
Mon Nov 05, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I wouldn't mind using a program to back me up, but would prefer to keep mailing the paper. Can I do that with this software? I buy it, download it, run it and then print it out and mail it? That's what I do. I'm uncomfortable with e-filing for the simple reason that you have to assume that the file...
by AAA
Fri Nov 02, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 289
Views: 23551

Re: H+R Block Deluxe Fed and State $35. Questions.

Last year around this time I got an email from H&R offering the "lowest price of the year" on the Deluxe version, also around $35. Long story short - they subsequently twice offered it at lower prices before the end of the year (I think I was alerted to this in these forums). Each time I complained ...
by AAA
Sun Oct 28, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Data Breach exposure (Credit Karma notification)
Replies: 9
Views: 1137

Re: Data Breach exposure (Credit Karma notification)

My advice is that a password manager is still the best way to do this. I think for most people the odds of having a written down list of passwords sitting next to a home computer stolen as part of a home break in is higher than having a password manager breached. Maybe it's even better to have that...
by AAA
Sun Oct 28, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 64
Views: 10150

Re: Gutters and gutter guards

I could pay somebody $200 a few times a year to clean all the gutters. But I'm wondering what opinions are on gutter guards or screens and all the varieties out there. I've heard that NONE of them are truly maintenance free. Why "a few times a year?" In the past, when we had three large trees on ou...
by AAA
Thu Oct 18, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 4219

Re: How Much Is Your Sewer Bill?

Flat rate sewer bill payer here in MCOL. It seems like our sewer plant keeps jacking bills up. We are now up to $125 per quarter. When I moved here ten years ago it was $75 I believe. Excuse to keep raising rates is "plant upgrade" Sewer bill is $160 a quarter for us. Your bill has gone up about 5%...
by AAA
Thu Oct 18, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17179

Re: Where would you go for financial guidance if you win the Megamillions?

Thegame14 wrote:
Wed Oct 17, 2018 4:19 pm
I always wonder where do you put the money if FDIC only insures $250K per account? I assume some kind of brokerage account.
You could buy Treasuries.
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: 5280

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...