Search found 53 matches

by ji.isaacs
Tue Oct 10, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2502

Re: cash and landlines in disasters

There are limited true landline providers nowadays and the cost is most likely a factor in their discontinuance.

Where I live, there is a single provider and the monthly cost was close to $35. I hung on for several years but finally cut the cord this year.
by ji.isaacs
Fri Oct 06, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55861

Re: Retirement Account Stolen by Identity theft

OP, thanks so much for posting this frightening story so we are all aware of what can happen. One other step you may wish to take going forward is to set up a CreditKarma account for your father, using your own email address, and monitor it frequently. When my mother passed away a few years ago, th...
by ji.isaacs
Thu Oct 05, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 391
Views: 55861

Re: Identity theft

Bottom line - don't be apathetic and stare at this thread doing NOTHING. Act NOW. Thank you for this line! That's exactly what I've always done - read suggestions like this, think about them, then forget. :oops: Tonight I changed security questions and set up alerts- phone if offered, email if not....
by ji.isaacs
Thu Oct 05, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Is a death certificate needed for direct transfer?
Replies: 7
Views: 659

Re: Is a death certificate needed for direct transfer?

BolderBoy wrote:
Thu Oct 05, 2017 2:29 pm
ji.isaacs wrote:
Thu Oct 05, 2017 2:18 pm
My experience was that all financial institutions accepted a certified copy.
... and my experience was that they will also return them to you.

Local institutions: One did return, One didn't.
Out of State Institutions: Did not return.
by ji.isaacs
Thu Oct 05, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is a death certificate needed for direct transfer?
Replies: 7
Views: 659

Re: Is a death certificate needed for direct transfer?

My experience was that all financial institutions accepted a certified copy.
by ji.isaacs
Mon Sep 25, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: FYI- Security issue at PenFed
Replies: 9
Views: 1208

Re: FYI- Security issue at PenFed

Update: This isn't going to be the quick fix it should. PenFed responded to my message notifying me they've locked the account because: drum roll- I did not enter the passcode. :annoyed They apparently cannot understand that the number presented on the security screen was not the number in the profi...
by ji.isaacs
Mon Sep 25, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: FYI- Security issue at PenFed
Replies: 9
Views: 1208

Re: FYI- Security issue at PenFed

For email, I do utilize a paid service and use it exclusively for sensitive and financial matters. If PenFed had offered email notification as a choice I would have selected it. I like the idea of using a special phone number in the same manner as a dedicated email and will look into it. The PenFed ...
by ji.isaacs
Mon Sep 25, 2017 9:58 am
Forum: Personal Finance (Not Investing)
Topic: FYI- Security issue at PenFed
Replies: 9
Views: 1208

FYI- Security issue at PenFed

I debated whether or not to make a note of this issue, but due to the inability to elevate the issue at PenFed and the fact it isn't something one can readily see, I wanted to alert those who use this credit union to check their account just in case. Background: Some time ago (many months, maybe a y...
by ji.isaacs
Fri Aug 18, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Letter asking for estate information
Replies: 11
Views: 1029

Re: Letter asking for estate information

Thank you for the additional responses. Now I’m not as alarmed about how they acquired the death information. Social Security knew right away, they already had the information when I called them. They must have received it from the county. A copy of the death certificate was sent to one of the three...
by ji.isaacs
Fri Aug 18, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Letter asking for estate information
Replies: 11
Views: 1029

Re: Letter asking for estate information

Thank you all very much for your input. I don't know how to multi-quote so I hope you read this response. There was no obituary published in the newspaper. My attorney said it was not necessary, so I don't know where they got the information. I will file away the letter and ignore it until, or if, t...
by ji.isaacs
Fri Aug 18, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Letter asking for estate information
Replies: 11
Views: 1029

Letter asking for estate information

Hello, Thank you in advance for advice pertaining to a letter I recently received asking for estate information. I'm not sure how, or if, I should respond and my attorney is on vacation for two weeks, as my luck would have it. Some background: my spouse unexpectedly passed away about three months ag...
by ji.isaacs
Fri Aug 12, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Vacuum Cleaners?
Replies: 25
Views: 1815

Re: Vacuum Cleaners?

Miele Jazz. Miele makes the quietest vacuums plus it has just the few very useful attachments, not an arsenal. Excellent pickup and maneuverability. Worth every cent.
by ji.isaacs
Tue Jul 19, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: HOA Swimming Pool Trespassing Issue
Replies: 100
Views: 9811

Re: HOA Swimming Pool Trespassing Issue

Hire an off duty police officer a few random nights a week. Catch and arrest.

Any chance the police would pay a visit or call the father?
by ji.isaacs
Sun Jul 10, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony bank upgrade
Replies: 32
Views: 4976

Re: Synchrony bank upgrade

Ditto. Because I was unable to access my account, I called customer service. No one who had to call Synchrony had any inkling their banking representatives were confused by the difference between debits and credits. The earlier poster who postulated this mixup was due to a manual error rather than s...
by ji.isaacs
Thu Jul 07, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony bank upgrade
Replies: 32
Views: 4976

Re: Synchrony bank upgrade

Another Synchrony victim here. I closed two accounts 3 weeks ago. Proceeds from one account were credited to my local bank as expected. The amount of the proceeds from the second account were debited from the local bank instead of credited. My first call to Synchrony straightened out their error and...
by ji.isaacs
Mon Apr 11, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: An Update on my condition - dementia is not fun
Replies: 19
Views: 5710

Re: An Update on my condition - dementia is not fun

"recently had my second major back operation." This statement jumped out at me because anesthesia can cause memory and other cognitive issues. m My spouse has had two surgeries within the last year and recovery was very slow due to cognitive issues caused by the anesthesia. Short term memo...
by ji.isaacs
Mon Oct 05, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: A meeting with Jack Bogle
Replies: 30
Views: 4219

Re: A meeting with Jack Bogle

What a magical day!

I always find myself coming back to the feeling that while there are many good, even great investment advisors, the one in whom I place complete trust is Mr. Bogle.
by ji.isaacs
Mon Oct 05, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 29832

Re: ALLY Bank and the new tier announcement

We received our letter today. I followed their instructions: "For complete details, please review the addendum in the updated Ally Bank Deposit Agreement," and found NOTHING that provided any details, let alone complete, of the action indicated in the letter. I telephoned, and the rep info...
by ji.isaacs
Mon Sep 21, 2015 5:18 pm
Forum: Investing - Theory, News & General
Topic: International stock allocation: currency risk
Replies: 37
Views: 3191

Re: International stock allocation: currency risk

So, I see it as a balancing act. If there were a single world currency, then the optimum portfolio would be globally cap-weighted. Since there isn't, you are getting some intrinsic diversification from the fundamentals of international investments themselves. Since there isn't, yet. Really, though,...
by ji.isaacs
Sun Sep 20, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 5767

Re: Free Kindle Downloads Today

Belated thank you for your generous offer!
by ji.isaacs
Sun Sep 20, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Out of I-bond emergency fund and into .... what?
Replies: 22
Views: 3088

Re: Out of I-bond emergency fund and into .... what?

I bonds are a great investment?? Yes, if you purchased them 10, 12, 14 years ago. New ones now yield 0% fixed and -0.80% inflation. Why on earth would anyone buy I bonds now? I still have a bunch from the good old days yielding 4.91%, but that will drop with no inflation. I've sold all the ones I p...
by ji.isaacs
Sun Sep 20, 2015 2:21 pm
Forum: Investing - Theory, News & General
Topic: Janet Yellen (Fed) leaves interest rates unchanged
Replies: 64
Views: 7609

Re: Janet Yellen (Fed) leaves interest rates unchanged

obgyn65 wrote:Janet Yellen had an interesting comment this time about negative interest rates. Is everyone listening carefully?


That woke me up!
by ji.isaacs
Sun Sep 20, 2015 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Settlements and Freeriding
Replies: 43
Views: 4293

Re: Vanguard Brokerage Settlements and Freeriding

One of the best brokerages I have used is TDAmeritrade, however, they will not let you buy with unsettled cash where Vanguard sometimes does. I doubt any of the other brokerages will allow this, I have used Etrade, Fidelity, Schwab and so forth and they don't just extend an open credit for purchasi...
by ji.isaacs
Wed Aug 05, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Helping Dad Out: How to Simplify
Replies: 12
Views: 1415

Re: Helping Dad Out: How to Simplify

I went through an eerily similar conversation with my father. He, like my father, confused accounts with holdings. Perhaps ask him who, i.e. what entity, holds these "large caps, small caps, like Schwab, Vanguard, Fidelity. Use company instead of account and perhaps he'll "get it." Th...
by ji.isaacs
Wed Aug 05, 2015 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 68
Views: 8009

Re: Budgeting For 2016 Medicare Part B Increase

Those that are under a suspended status (claimed, but not yet receiving SS benefits - as I am) will possibly see a large increase in 2016. Additionally, anybody who will start getting an SS check (deposit) in 2016 is subject to the possible increased rate. Included in the increase will also be thos...
by ji.isaacs
Sun Feb 08, 2015 3:37 pm
Forum: Personal Consumer Issues
Topic: Verizon Wireless Modifies 'More Everything Plans'
Replies: 14
Views: 3421

Re: Verizon Wireless Modifies 'More Everything Plans'

We have 4 devices sharing the 15GB plan for $100, plus 500MB free in some special they offered. I just checked with VZ tonight and nothing better at the moment. I wish we could switch to another carrier, but reception in our area of the county isn't good and walking outside to use the phone doesn't...
by ji.isaacs
Sun Feb 08, 2015 3:35 pm
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 9872

Re: Worth Upgrading to LED Lighting?

We switched to CFL several years ago and have never liked the whiter light or lag time. Plus I'm not thrilled about the mercury in them after one broke. Lowes had LED on sale recently so I replaced the CFL with LED in areas where lighting is utilized most. We love the warmer and brighter light. It w...
by ji.isaacs
Sun Feb 08, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 4745

Re: iPhone 6 Plus: Too large or Do You Get Used to It?

Ordered a 6+ but ended up returning it because it didn't feel comfortable to hold plus I really do like my iPad Mini with Retina a LOT and would prefer to use it for Internet. Phone Internet is used sparingly, mostly when I'm out and about to look something up, not casually read.
by ji.isaacs
Sun Feb 08, 2015 3:24 pm
Forum: Investing - Theory, News & General
Topic: FI: Total Bond Market or Intermediate Fund?
Replies: 19
Views: 3902

Re: FI: Total Bond Market or Intermediate Fund?

Fixed is 50% as follows: 46% TSP G Fund 33% I-Bonds 9% Spartan Total Bond Fund FSITX 8% Fidelity Limited Term Bond Fund FJRLX 3% Fidelity GNMA Fund FGMNX We do have about 8% in CDs, but I think of those as part of our emergency fund. Perhaps I shouldn't? The only future contributions to fixed income...
by ji.isaacs
Sun Feb 08, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 44
Views: 7824

Re: Best Small Cap Value Funds

How much should placement affect the decision? Taxable or tax deferred. FWIW, I bought IJS because a higher % of dividends were tax qualified and its purchase was commission free at Fidelity. IJS 90.55% in 2014 (Dropped from 93.65 in 2013) Source(s) for IJS: m m PXSV 100% Ordinary Income (???) Sourc...
by ji.isaacs
Fri Feb 06, 2015 1:17 am
Forum: Personal Consumer Issues
Topic: Verizon Wireless Modifies 'More Everything Plans'
Replies: 14
Views: 3421

Re: Verizon Wireless Modifies 'More Everything Plans'

The 10GB plan is getting more expensive (probably because it was a temporary special). Hopefully I'll be grandfathered in at the current rate of $80/mo. We have 4 devices sharing the 15GB plan for $100, plus 500MB free in some special they offered. I just checked with VZ tonight and nothing better ...
by ji.isaacs
Fri Feb 06, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 2780

Re: Private Car Sale - Risks ?

Depending on the value of the vehicle and your need for tax deductible donations, you may want to consider donating it. We run our second vehicle to a minimum of 150,000 miles, then donate through Car Talk. We don't want to deal with a buyer due to the higher mileage on the vehicles and Car Talk wil...
by ji.isaacs
Fri Feb 06, 2015 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I consolidate holdings onto one platform?
Replies: 5
Views: 1054

Re: Should I consolidate holdings onto one platform?

I consolidated my Computershare and Wells Fargo accounts into Fidelity and earned some money. Here are bonuses available as of January 2015 at all the brokerages: m Fidelity never tried to steer me towards any funds, nor did I receive sales calls or emails. Buying Vanguard Mutual Funds at Fidelity i...
by ji.isaacs
Mon Dec 01, 2014 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 6409

Re: Best CD rates ...

Barclays has remained steady for 5 yr CDs @ 2.25%
by ji.isaacs
Mon Dec 01, 2014 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deductions for donating a lot
Replies: 20
Views: 2011

Re: Tax deductions for donating a lot

Peterjens wrote:If you want to get an idea of value of donated items you can check out https://turbotax.intuit.com/personal-ta ... eductible/

I have used this for many years.


Ditto. Very convenient.
by ji.isaacs
Mon Dec 01, 2014 2:49 pm
Forum: Investing - Theory, News & General
Topic: Following your IPS
Replies: 5
Views: 957

Following your IPS

Surely I cannot be the only one who fights themselves through difficulty following an IPS. I've gone back and forth for a few weeks now, trying to convince myself I don't need to follow my IPS. Today, I did it. I followed my IPS and feel a huge sense of relief, something I didn't expect. Thank you t...
by ji.isaacs
Mon Dec 01, 2014 2:42 pm
Forum: Personal Consumer Issues
Topic: Bah Humbug [managing Christmas spending]
Replies: 52
Views: 6286

Re: Bah Humbug [managing Christmas spending]

I'm curious how do Boglehead followers maintain a frugal life with the onslaught of temptations each Christmas. How can you keep the spirit of giving while still giving to yourself for one's own security. In many ways I'm finding it difficult. Is any one else conflicted this time of year? I don't p...
by ji.isaacs
Mon Dec 01, 2014 2:31 pm
Forum: Personal Consumer Issues
Topic: A simple coffee maker
Replies: 38
Views: 5978

Re: A simple coffee maker

I am still using my 1973 Farberware percolator. Stainless lasts forever, great tasting and HOT coffee. I know OP stated drip style, but I had to put a word in for percolators.
by ji.isaacs
Fri Nov 28, 2014 9:15 am
Forum: Investing - Theory, News & General
Topic: Risk of Three-Fund Portfolio vs. Two-Fund Portfolio
Replies: 6
Views: 3262

Re: Risk of Three-Fund Portfolio vs. Two-Fund Portfolio

Vanguard has recommended an international equity allocation of 20% - Market Weight (i.e. 50% +-) of total equities. Best. International percentage recommendations gradually lower towards retirement. Vanguard Target Retirement 2025 - 20.2% Vanguard Target Retirement 2020 - 18.2% Vanguard Target Reti...
by ji.isaacs
Fri Nov 28, 2014 8:49 am
Forum: Investing - Help with Personal Investments
Topic: best savings account for emergency fund
Replies: 11
Views: 1555

Re: best savings account for emergency fund

Synchrony High Yield Savings account is 1%.
by ji.isaacs
Fri Nov 28, 2014 8:43 am
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 3421

Re: Vacuum Cleaner Suggestions Please

Miele, if a quieter vacuum is important.
by ji.isaacs
Fri Nov 28, 2014 8:30 am
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8745

Re: 10% off Target GiftCards - Black Friday Preview

I'm trying online with pages not loading right now, anyone else having either success or failure? EDIT: After a few minutes of trying it worked. Started in Firefox, worked in Explorer, kept freezing after entering billing info but eventually worked. I chose 1 design for $100, quantity 3 delivered b...
by ji.isaacs
Thu Sep 11, 2014 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Question about ALLY logon
Replies: 3
Views: 470

Re: Question about ALLY logon

This isn't a new issue for Ally. Despite advertising Two-Factor security, they don't really offer it. I finally got perturbed enough to call this week after multiple re-sets of my account in an attempt to figure out why Two-Factor wasn't working. After going round and round with the customer service...
by ji.isaacs
Sun Aug 31, 2014 1:24 pm
Forum: Investing - Theory, News & General
Topic: Calculating REIT percentage
Replies: 2
Views: 656

Calculating REIT percentage

Hello everyone, I have a question about calculating REIT percentage as part of the total portfolio. I'm *guessing* that people post the percentage of their REIT fund in relation to the portfolio. However, everyone has a Total Stock Market or S&P 500 Fund and Total International or International ...
by ji.isaacs
Wed Jul 16, 2014 2:45 pm
Forum: Investing - Theory, News & General
Topic: "The Incredibly Shrinking Financial System" by Jack Bogle
Replies: 10
Views: 1990

Re: "The Incredibly Shrinking Financial System" by Jack Bogl

Similar, or the same as WSJ article?

Vanguard's Bogle expects shrinking Wall Street
http://www.reuters.com/article/2014/06/ ... JW20140617
by ji.isaacs
Wed Jul 16, 2014 2:30 pm
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 4754

Re: Neighbor's ugly overgrown bushes and fence

The problem is also they are HIGH - higher than a fence we can put in - but a stockade would neaten it up and block a good portion of his stuff. I'm leaning towards the stockade. If the city/county/municipal authority is made aware of the reason for the fence, you may receive a waiver for a higher ...
by ji.isaacs
Wed Jul 16, 2014 12:53 pm
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 5430

Re: Hospital bill negotiation

Friends, Any ideas on how to negotiate a hospital bill? Thanks! First, I assume you have carefully looked over the EOB??? I had a situation where I was billed for half of a procedure because the 10 day pre-medication routine it was administered half in one state and half in another due to travel to...
by ji.isaacs
Wed Jul 16, 2014 12:44 pm
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 4754

Re: Neighbor's ugly overgrown bushes and fence

The problem is also they are HIGH - higher than a fence we can put in - but a stockade would neaten it up and block a good portion of his stuff. I'm leaning towards the stockade. If the city/county/municipal authority is made aware of the reason for the fence, you may receive a waiver for a higher ...
by ji.isaacs
Sun May 25, 2014 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 21198

Re: POLL: why carry cash?

We pay cash almost always and do not carry coins. Coins are for the birds. And grandkids. When movies, games, ice cream, and conversation bore them, somehow they can spend HOURS dumping out our large penny jug and counting, separating, and trading pennies. Their worth is more than their face value.