Search found 52 matches

by slin
Sat Oct 21, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1666

Re: Drawback of TOTP (app like Google Authenticator)?

The problem with financial companies and their security departments is that they probably don't adequately enough "think like a criminal". I think that mindset is needed for them to hermetically seal their customer's assets. I think the problem is that if they make it too hard to recover from a los...
by slin
Sat Oct 21, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1666

Re: Drawback of TOTP (app like Google Authenticator)?

Who is one of your beneficiaries of your accounts? That was a question that was asked. Two different times. Wow. :shock: When I had to reset my phone (and thus needed to resync with a new instance of Symantec VIP), Fidelity asked me my account #. I didn't know it offhand (so that should have been a...
by slin
Thu Oct 19, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Drawback of TOTP (app like Google Authenticator)?
Replies: 22
Views: 1666

Drawback of TOTP (app like Google Authenticator)?

Currently, my accounts use a mix of SMS two-factor authentication and TOTP apps like Google Authenticator and Symantec VIP. I certainly recognize the possibility of someone hijacking my mobile phone account and why TOTP apps are more secure (for more background, see this recent thread for example: h...
by slin
Sat Sep 09, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Can't freeze credit at Experian?
Replies: 73
Views: 36755

Can't freeze credit at Experian?

After the recent Equifax hack - both my wife and I were on the list, according to their site - we decided to freeze our credit reports at all 3 bureaus. Note that I live in a state where there is no charge to freeze or unfreeze your credit reporting. We were both able to do the freeze online at both...
by slin
Fri Sep 08, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6974

Re: Fidelity Security

I also use the Symantec VIP app with Fidelity, and I did not have to provide my Fidelity password to the app or Symantec. IIRC, when you start up the app, it gives you a serial number type thing that you then provide to Fidelity, and that's it - then, you just log in as normal and it prompts you to ...
by slin
Wed Jul 12, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Melrose CU & account inactivity fee
Replies: 4
Views: 421

Melrose CU & account inactivity fee

I opened a couple of CDs at Melrose Credit Union last year when they had some of the highest rates around. In order to open a CD there, I also had to open a standard share account (i.e. savings account) with a minimum of $25, which I did. I recently received a statement where they said that they wil...
by slin
Mon Jun 26, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect IRS notice, should I worry?
Replies: 13
Views: 1584

Re: Incorrect IRS notice, should I worry?

OP here - thanks to all; I will include a letter of explanation, as suggested above, when I return the notices. I did google the name - although not a common/typical American/Western name, apparently it must be relatively common in general, since there are many hits, including an apparently popular ...
by slin
Mon Jun 26, 2017 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect IRS notice, should I worry?
Replies: 13
Views: 1584

Incorrect IRS notice, should I worry?

Hello, This weekend we received two IRS notices in the mail. The mailing address was exactly our correct address, but the name was someone else's name. Debated just returning the notices, but because we have lived in this house since it was built (i.e. no one else has ever lived at this address), an...
by slin
Fri Jun 03, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Is Cricket Wireless down for lots of people?
Replies: 21
Views: 2574

Re: Is Cricket Wireless down for lots of people?

We are on vacation and both have Cricket Wireless. After being in a someone remote area we weren't surprised we had no service. But now we're back in our hotel, where we've had no problems with service, and I still can't get either phone to work. A quick internet search seems to say that there are ...
by slin
Thu Jun 02, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 66
Views: 7698

Re: Moving to North Caolina from NYC

I'd love to move NYC to NC, but cannot due to limited job prospects there for myself and significant other. (We work in software / tech. FYI, the tech industry is huge in NC, especially in the Research Triangle area. Job prospects won't be a problem and 6 figures goes a lot further than in NYC. I t...
by slin
Tue May 31, 2016 9:08 am
Forum: Personal Consumer Issues
Topic: Home Depot pricing policy?
Replies: 26
Views: 3828

Re: Home Depot pricing policy?

Another way to mitigate some of the pain, purchase the 52 bags of mulch, then ask for an associate to load them into your car / truck. After completed, walk to customer service and request an associate to unload the 52 bags of mulch for your return. As a former office supply store stockboy (as a hi...
by slin
Tue May 31, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 66
Views: 7698

Re: Moving to North Caolina from NYC

Research Triangle is great. Was there early 2000s and moved from Boston. Loved Chapel Hill NC - East Chapel Hill HS was great, as is Durham Academy and Carolina Friends for private. CH/Durham/Raleigh are very liberal, but it gets very conservative quickly. We loved Asheville and Wrightsville Beach,...
by slin
Fri May 27, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2 factor authentication
Replies: 11
Views: 1756

Re: Vanguard 2 factor authentication

On the Vanguard two factor authentication, how would you propose I do this? I sometimes travel and my cell does not accept texts out of the US. So if my wife wanted to login while I was away, how would she do this? Would I maybe just change the cell number at Vanguard to send to her cell phone befo...
by slin
Mon May 02, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Potential Employer was excited to hire me! Then silence... What did I do?
Replies: 60
Views: 7682

Re: Potential Employer was excited to hire me! Then silence... What did I do?

She should also check with the colleges she attended to make sure that there is not a problem with her transcript, like the GPA, not matching the information that she applied with. I have also heard of people with something like a small old college fee that they didn't even know about that caused t...
by slin
Wed Apr 27, 2016 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 2607

Re: Medical Billing Practices

Thanks for all the replies - looks like this practice is more common than I had thought, but still far from universal. It appears that you are being billed after the service had been provided. I dont blame you that you liked the longer gap from the date of service to the date of payment. If that is ...
by slin
Wed Apr 27, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Billing Practices
Replies: 26
Views: 2607

Medical Billing Practices

We have a high-deductible health care plan. At all the doctors my family uses (except one), we go to the office/facility, pay nothing, wait a few weeks for the bill (during which time the office has billed insurance and gotten any payments from them), then read over the bill to make sure it's correc...
by slin
Fri Apr 22, 2016 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: 529: Utah or NY for Florida Resident?
Replies: 23
Views: 4301

Re: 529: Utah or NY for Florida Resident?

I use NY. It had the lowest ER when I compared options (about 7 months ago). Here's my post on a previous thread (for CA resident but the same cost analysis should apply here) with the same question: I'm also a CA resident and I often see NY's and Utah plans being recommended for CA residents but t...
by slin
Wed Apr 13, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Dual Language Elementary School
Replies: 16
Views: 1677

Re: Dual Language Elementary School

Our district has a couple of dual-language options (Spanish and Chinese). When enrolling our kids, we talked to a few current and former teachers and administrators that were involved in both dual-language and traditional options, and ended up electing to go with the traditional option. Our thoughts...
by slin
Tue Mar 15, 2016 7:29 am
Forum: Investing - Theory, News & General
Topic: Recommended 529?
Replies: 33
Views: 4782

Re: Recommended 529?

NYS529Direct Plan. ....... m uses Vanguard funds, costs .17er Actually the ER is .16 now, not .17. I just opened a couple of NY 529 accounts last week; we had been contributing to our home state 529 (North Carolina) for years, but they eliminated the state tax deduction in 2014 and I finally got ar...
by slin
Wed Jan 27, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 3187

Re: Best Netflix/YouTube interface for the Big Screen?

Which devices have you had the best and worst luck with? We may be old-school but use a Tivo (Roamio) for DVR of OTA television, as well as watching Netflix/YouTube/Hulu/Amazon on the TV. One nice thing about the Tivo interface is that if you search for a TV show or movie, it will search across all...
by slin
Tue Jan 12, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on moving within same subdivision?
Replies: 30
Views: 2748

Re: Thoughts on moving within same subdivision?

It is too bad you don't live in our subdivision, because we have been contemplating the exact opposite (moving from our single family home to a townhouse in the same neighborhood)! Our reasons are: - My spouse and I both dislike yardwork. - When the kids were smaller we spent more time outside, on t...
by slin
Thu Jan 07, 2016 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: I chose to reinvest to fund, but received a check for the dividend
Replies: 9
Views: 829

Re: I chose to reinvest to fund, but received a check for the dividend

This happened to me at Vanguard a few years back. I called them, and they said they would fix it. It happened again the following quarter. I called them again. It hasn't happened since. Vanguard seems to have a subtle bug in their system where this occasionally happens. Call them each time it occur...
by slin
Tue Jan 05, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 289
Views: 45814

Re: [Fidelity drops AmEx, Bank of America credit cards]

As an owner of both the Amex and Visa forms of the Fidelity rewards card, I view this as an almost fully positive development. As someone mentioned above, the only downside I can see is the Serve account tie-in. I guess it depends on the reasons each of us have for getting the card. I already have ...
by slin
Fri Dec 11, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: TLH question: FSGDX vs FSIVX
Replies: 3
Views: 400

Re: TLH question: FSGDX vs FSIVX

I think the official answer is that there is no hard-and-fast rule, so no matter what people on this or any other Internet board may tell you, it'll be up to you and the IRS auditor to reach a consensus. That said, FSIVX excludes emerging markets, whereas FSGDX includes them. Personally I feel that ...
by slin
Thu Dec 10, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: EWP for brokered CDs?
Replies: 3
Views: 535

EWP for brokered CDs?

I have bought many CDs in the past, direct from a bank or credit union, and always known what the early withdrawal penalty is. I also know that if I buy a brokered CD through Fidelity or Vanguard (or wherever), I can buy either a new issue at par, or I can buy a secondary issue at a price that is li...
by slin
Mon Oct 19, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2151

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

OP here for the last time -- I did talk to the Specialty Trading Desk @ Fidelity today and was told something completely different. They told me that they just want/need to be able to approve any trade of more than $100k into the FSGDX fund in a given day. Which they did, and my order was placed for...
by slin
Mon Oct 19, 2015 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2151

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

- FSIVX - The Spartan fund is also international and another option - I'm highly skeptical about this limit, I suspect if the OP talks to the specialized trading desk they will help you perform the investment/withdrawal. OP here - FSIVX is where I have the funds now; I moved there when I took the T...
by slin
Sat Oct 17, 2015 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2151

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

OP here. To (partially) close the loop - I called Fidelity back tonight, and asked whether that $100k limit for FSGDX was a per-transaction or per-day limit or what. I was told: - The $100k limit is the maximum holding you are allowed to have of that fund, full-stop. Not per day, not per-order, not ...
by slin
Fri Oct 16, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2151

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

Thanks for the responses. In response to some questions (and to refute some suggestions), here's some more information. - Yes, I have other funds/assets at Fidelity. No, not a 401k, this is a taxable personal account. - I asked whether ALL funds have this $100k limit for purchases (as would be the c...
by slin
Fri Oct 16, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2151

Maximum limit for Fido Ex-US Index (FSGDX)?

A few months ago I sold a little over $100,000 of FSGDX (Fidelity Global ex-US Index, Advantage Class) to do some tax loss harvesting, and put it in another international fund (FSIVX) which was presumably not "substantially identical". Now that more than 90 days has past (to avoid short te...
by slin
Mon Oct 05, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: PPO or HSA?
Replies: 14
Views: 1456

Re: PPO or HSA?

If you can afford it I'd say stay with PPO. Was in a similar place 20 years ago when my wife came up with a life threatening illness - she is fine now. But when that life changing challenge occurs you want the best doctor you can get not the best in your plan. I understand having a family and being...
by slin
Wed Jun 24, 2015 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: North Carolina 529 Plan
Replies: 8
Views: 1570

Re: North Carolina 529 Plan

Hello, I am going to be opening a 529 plan for my new baby later this year. I was wondering if anyone has any experience with the North Carolina plan? I would like to keep the money in NC if possible to make it simpler for my wife in case something happened to me and in case North Carolina changes ...
by slin
Tue Jun 09, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Are there any merchants that accept only Amex?
Replies: 25
Views: 3069

Re: Are there any merchants that accept only Amex?

Are there any merchants that accept Amex but not Visa or MasterCard? I have had an Amex card as a backup for a number of years, but I can't remember the last time I used it and would like to get rid of it (unless there are some merchants that accept only Amex, at which I could envision myself shopp...
by slin
Wed Jun 03, 2015 7:38 am
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 92
Views: 16905

Re: why do some people like Fidelity?

Let me ask this then in this thread: Anybody own FSGDX in a taxable account? If so, what were the foreign taxes paid on the 12/12/2014 dividend that netted $0.28175 per share? Fidelity refuses to tell me when I asked them. Twice. I am trying to determine the tax-efficiency of this fund. I do. Looks...
by slin
Thu May 28, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: What to do in Raleigh
Replies: 18
Views: 2288

Re: What to do in Raliegh

I will be in Raleigh in a couple of weeks with no idea what to see and do. My wife's hobby is growing hostas and the National Hosta Society is have their annual convention in Raleigh this year which leaves me three days to myself as hostas are her thing not mine. I would like something to do and se...
by slin
Tue May 26, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 10116

Re: Still make sense to have AAA membership?

Recently I saw a young woman lock her keys in her car. She called AAA and they came and unlocked her car. I did not know they even offered that service. Earlier this year, I took my daughter on an overnight ski trip. Apparently as I was loading our gear into my car, I must have hit the "lock&q...
by slin
Fri May 22, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Looking for a DVR device for antenna TV (Simple.TV?)
Replies: 48
Views: 7902

Re: Looking for a DVR device for antenna TV (Simple.TV?)

I bought a used Tivo with lifetime service from ebay at almost couple years ago for $335 and have been very happy with it. I really don't have to mess with it at all. +1 for the TiVo. I am a techie myself so if it was just me, I'd probably have played with a simple.tv or Windows Media Center platfo...
by slin
Wed May 20, 2015 9:21 pm
Forum: Personal Consumer Issues
Topic: Just used my chip credit card for the first time!
Replies: 44
Views: 5966

Re: Just used my chip credit card for the first time!

Then I saw a little slot where you insert the card, chip-end first. You have to leave it in the slot for 20 seconds or so until the reader screen tells you to remove it. It actually worked! I wonder why it takes so long? The first time I used my chip card - also a couple of weeks ago, also at a Wal...
by slin
Wed May 20, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Estate Tax (WA State)
Replies: 9
Views: 1269

Re: Estate Tax (WA State)

Found this about estate planning in WA, perhaps you can start by getting some ideas here: m Thanks very much! I had done some Googling but did not come across that document for some reason. Looks like a great resource. There is no gift tax in Washington. Give your money to your heirs before you die...
by slin
Tue May 19, 2015 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Tax (WA State)
Replies: 9
Views: 1269

Estate Tax (WA State)

Hello Bogleheads, Although still well into accumulation stage, my wife and I have started early planning (aka daydreaming) about retirement locations. One attractive location to us happens to be in Washington state. But one thing I see about WA is that there is a pretty hefty estate tax. While we wi...
by slin
Mon May 18, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Revised 1099 for 2013
Replies: 4
Views: 427

Revised 1099 for 2013

So last week I received (from Schwab) a revised 1099-DIV for tax year 2013 - that is, for taxes I filed over a year ago. They recharacterized about $15 additional dividends as "qualified". In other words, everything was the same - including total dividends - but the Qualified Dividends box...
by slin
Thu May 14, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft
Replies: 27
Views: 4677

Re: Identity theft

Thanks all. It was wasn't clear why Chase was claiming that the crooks had my info other than the fact that they said someone had called in and no one would do that if they didn't. Not sure if it helps, but about 3 years ago, somebody went into an AT&T store in Missouri and convinced the staff ...
by slin
Mon May 11, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 8293

Re: Do banks take loose coinage?

The last time I was at WalMart, I'm pretty sure I saw that the CoinStar machine there would not charge a fee if the coins are exchanged for a WalMart gift card. That might be another alternative to investigate, assuming of course that you would have spent the equivalent amount at a WalMart anyway.
by slin
Fri Mar 06, 2015 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Don't close your account until after next year's 1099s!
Replies: 2
Views: 854

Don't close your account until after next year's 1099s!

Just thought I would post a note of caution / warning / don't-do-what-I-did: I sold some stock in my Schwab brokerage account early last year and ended up closing the account later in the year (all in 2014). Early this year (2015), I got an automated email from them saying my 1099 was available for ...
by slin
Tue Dec 16, 2014 5:07 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8066

Re: Any pilots here?

Heck yeah, it's expensive -- but compared to what? Is it more expensive than staying home watching TV? I figure it's not (much) more expensive than therapy, and definitely less expensive than a divorce. I feel like flying is good therapy for me, a great stress reducer, and makes me less cranky/easi...
by slin
Tue Dec 16, 2014 1:41 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 8066

Re: Any pilots here?

Interesting - I almost posted in the other thread about the "most Boglehead-ish" and "least Boglehead-ish" things you do. Certainly I consider flying to be, by far, my least Boglehead-ish vice! What do you fly? Do you rent or own? Is your ownership fractional? What are the other ...
by slin
Wed Dec 10, 2014 10:16 am
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 50
Views: 10518

Re: Outdoor HDTV Antenna and DVR Setup

Here's an update with my plan: I picked up the DB4e antenna from Antennas Direct. They price matched with Amazon so total with a VHF adapter was ~$90 shipped. They have a 90 day money back return policy and the customer service has been great. I also picked up some coax cables and couplers from mon...
by slin
Mon Dec 08, 2014 10:50 am
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 50
Views: 10518

Re: Outdoor HDTV Antenna and DVR Setup

Like a few others, we are using a basic Tivo Roamio to receive OTA signals as well as Netflix & Hulu. We paid for the lifetime Tivo subscription, so it was I think close to $700 for the box plus lifetime service. Pretty expensive, BUT we've already saved more than that in reduced cable bills (ca...
by slin
Tue Nov 18, 2014 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 9
Views: 1203

Re: HSA Questions

Thank you all very much! I went and looked up the 4th question because I was curious but didn't know the correct answer. Lo and behold, the wiki had it. I should have gone there first... Believe it or not, I actually did read the wiki before posting here! It wasn't clear to me that the section of th...
by slin
Tue Nov 18, 2014 10:57 am
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 9
Views: 1203

Re: HSA Questions

Oooh, one more question - are there any restrictions limiting the frequency at which you can change investments in an HSA (similar to the once-per-year limitation in a 529 plan)? Not that I will be trading frequently, but wondering about any limitations on rebalancing once per quarter or twice per y...