Search found 695 matches

by Faith20879
Wed May 13, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5308

Re: What are your alternative plans this summer if it was travel?

Nothing planned as things can change drastically and quickly. If things do get better, we may drive up and down the eastern seaboard to visit relatives. Definitely will not be flying for awhile. Instead, we're looking at some camping options in NC or SC for one or two trips when the time feels right...
by Faith20879
Tue May 12, 2020 12:19 pm
Forum: Personal Consumer Issues
Topic: Android: how to measure GB usage
Replies: 12
Views: 452

Re: Android: how to measure GB usage

Time to screen shot your phone and send to your carrier and discuss. This looks like a sensible step we can take. Thanks for bringing it up. To the other posters, I understand some activities use more data than others. The real baffling question is why the internal meter shows 4GB usage while Mint ...
by Faith20879
Mon May 11, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Android: how to measure GB usage
Replies: 12
Views: 452

Re: Android: how to measure GB usage

We have Cricket with a 2 Gb data plan. Are you using Wi-Fi while at home? While using Wi-Fi, I have never exceeded 1 GB of data usage while outside the home. I also have a Moto X4 phone that tracks data usage. It is set to start at zero at the end of 30 days. The Moto 5g plus uses strictly Mint dat...
by Faith20879
Mon May 11, 2020 3:19 pm
Forum: Personal Consumer Issues
Topic: Android: how to measure GB usage
Replies: 12
Views: 452

Re: Android: how to measure GB usage

Seems likely the problem is on the carrier's end. If you were sending pictures via text message and not a messenger program (WhatsApp, FB Messenger, etc) ... I hear you. Had it been a messenger program (meaning actually used data), shouldn't the data usage meter reflect that? I am still not sure ab...
by Faith20879
Mon May 11, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Android: how to measure GB usage
Replies: 12
Views: 452

Re: Android: how to measure GB usage

Did you ever turn on mobile hotspot? Hotspot tracking might not be turned on. Interesting you mentioned that. We did use as hotspot once during this cycle. Before we turned it on, the meter showed 2.4GB used. We then watched a 70 minute webnar on our tablet. Turned off the hotspot right after the w...
by Faith20879
Mon May 11, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: Android: how to measure GB usage
Replies: 12
Views: 452

Re: Android: how to measure GB usage

Picture messages do require data. Files can be large. How many "practice" photos have you sent? About 10 photos in total. If they did count, why didn't the data usage meter reflect that? Could it be that this part of usage is not measured by the meter? Are you diligent on resetting the data tracker...
by Faith20879
Mon May 11, 2020 1:40 pm
Forum: Personal Consumer Issues
Topic: Android: how to measure GB usage
Replies: 12
Views: 452

Android: how to measure GB usage

Background: Moto 5G plus on Mint mobile 8GB data, unlimited Text/Voice prepaid plan. The cellphone has an internal data usage tracker. it has been accurate for the last 18 months since we signed up for the plan. Our usage is light - browse bogleheads, check emails, google maps, or google to look up ...
by Faith20879
Mon May 11, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55496

Re: How to get Toilet Paper ? seriously.

Availability of TP has been a serious issue here is SE Michigan. ... In addition to online order that others have mentioned, do you have "younger" acquaintances that you can utilize? We do TP run for older acquaintances periodically. Just leave the package in the already opened garage - find a out ...
by Faith20879
Fri May 08, 2020 12:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 65
Views: 5026

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

Sounds like you haven't enabled 2FA on your Google account. You should do so. Google supports every 2FA method under the sun. You can choose for app-based, where an app generates a six-digit code that rotates every minute. I think I finally see the light. Will get on Google to set it. Thanks for th...
by Faith20879
Fri May 08, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55496

Re: How to get Toilet Paper ? seriously.

Just got back from Big Lots - 5/8/2020 10:AM ish. MD/DC.

They have walls of toilet paper, paper towel, Clorox, and no name bleach.
by Faith20879
Fri May 08, 2020 11:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 65
Views: 5026

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

If you have a gmail account or PayPal account, those would be two example of websites that allow for the use of authenticator apps. It’s pretty convenient and more secure than SMS for 2FA. I do have a gmail account and use it often. It has a straightforward login process - goto the website, type in...
by Faith20879
Fri May 08, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: IE, Chrome or Firefox, that is the question.
Replies: 53
Views: 2959

Re: IE, Chrome or Firefox, that is the question.

Don't laugh! This non-techie still uses IE to keep track of savings bonds offline.
by Faith20879
Fri May 01, 2020 2:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 65
Views: 5026

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

...These are initialized with a key that you are sent (often a QR code that you can import into the app with a bar code scanner via your phone's camera) Once initialized, the app will ... Hoah, this part is a bit over my head. Thank you for the info thou. I will have to chew on it for a few days.
by Faith20879
Fri May 01, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1406
Views: 318973

Re: Best watch for around $5,000?

Don't know anything about 5k watches. But I can tell you where to get a $1000 watch for a really good price. Sold my 40 year service GOLD watch to a jeweler in No. VA. Brand New Raymond Weil's, never left the box, with still the original certificate and Craftsman paper. The original price tag said $...
by Faith20879
Fri May 01, 2020 12:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2-factor authentication becoming mandatory and available for non-US
Replies: 65
Views: 5026

Re: Vanguard 2-factor authentication becoming mandatory and available for non-US

App-based 2FA is so much more flexible. Could you please help this non-tech savvy person get educated? What is an App-based 2FA? I am a PC user. My knowledge about 2FA signin at VG is limited to these steps: open the browser, click vanguard.com, a voice code sent to my home phone, enter the code in...
by Faith20879
Wed Apr 29, 2020 12:13 pm
Forum: Personal Investments
Topic: [Should I move from Ameriprise to Fidelity?]
Replies: 30
Views: 2164

Re: Fidelity

PTwohey wrote:
Wed Apr 29, 2020 10:29 am
We have an annuity that earns 6% or market return. Whatever is greater.
That sounds like a wonderful deal. Mind sharing the details? Thanks!
by Faith20879
Wed Apr 29, 2020 10:56 am
Forum: Personal Finance (Not Investing)
Topic: I Bonds as tax refund: tracking down a missing one
Replies: 21
Views: 3161

Re: I Bonds as tax refund: tracking down a missing one

fujiters wrote:
Tue Apr 28, 2020 2:04 pm
I'm going to wait another week or so to see if it shows up.
I know what you mean. Ours came in 12 separate envelops. As I was counting them, I felt "man, somebody up there must be looking after this."
by Faith20879
Mon Apr 27, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6051

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

... WFH and potentially offering it as a benefit going forward? I'm in the for-profit statistical research industry. I would say we'll probably go right back to 8-5 in office schedule the day our state opens up. My employer's management is pretty conservative. Before the covid-19 shutdown, only les...
by Faith20879
Mon Apr 27, 2020 10:31 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2531

Re: File tax return electronically

Have always filed paper in the past. This year (2019) was our first time e-filing - after receiving some encouragement from the fellow BHs. The endorsement from the BHs is very true. The IRS's file-for-free website indeed was very easy to use. Even our state MD's free e-file system was not too bad. ...
by Faith20879
Fri Apr 24, 2020 1:35 pm
Forum: Personal Investments
Topic: Can't turn off dividend reinvestment with Vanguard
Replies: 20
Views: 1424

Re: Can't turn off dividend reinvestment with Vanguard

... I remember some comments from awhile back, suggesting there were problems with the conversion, downsides to the new format, people were planning to resist/avoid as long as possible, etc. Yes I screamed, kicked, and complained loudly when we switched. But now I don't notice any different. https:...
by Faith20879
Wed Apr 22, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 1937

Re: Best BH soap for C19 & least mess at sink

I think the best BH soap for any occasion is the kind that's free and I am the winner of this contest. :D

When I travel I always bring the half used hotel soap home. I now have a drawerful that'll last me a year or longer.

Of course I can only disclose this anonymously to an internet forum.
by Faith20879
Tue Apr 21, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128564

Re: Coronavirus (Consumer Issues) How you are preparing?

Sorry to hear that. What is the area, may I ask? Here on MD/DC border. Our usual hangouts are Safeway or Giant. Safeway's produce shelves were totally empty except maybe onions and potatoes. Giant is slightly better, meaning only half empty. We are on plant based diet so this really hit us hard. Tr...
by Faith20879
Sun Apr 19, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128564

Re: Coronavirus (Consumer Issues) How you are preparing?

My question was rather centered on food becoming more scarce in the coming months. I foresee further disruption in distribution channels, but nothing like food scarcity. I see disruption leads to scarcity for us. Don't mean to scare, just thinking loud. Our local news reported several stores have t...
by Faith20879
Sun Apr 19, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1588
Views: 128564

Re: Coronavirus (Consumer Issues) How you are preparing?

Tried the curbside pickup from one of the local grocery chains for the very first time. The experience is mixed. The good: 1. The time slot was available within four days which I think was very reasonable. 2. At pickup, called the # and they brought out the bags immediately - like in seconds. The ba...
by Faith20879
Tue Apr 14, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: T-Mobile Connect - $15/mo 2GB
Replies: 27
Views: 2534

Re: T-Mobile Connect - $15/mo 2GB

Additionally, we like Mint for
1. It allows used as a hotspot and
2. Free calls to Canada where we have family there.
by Faith20879
Sun Apr 12, 2020 12:27 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 177
Views: 20619

Re: Roll Call for the Retirement Class of 2020!

...COVID-19 has put my plan to leave the corporate life ... on hold. ... Same here. Original plan was to clock out on June 5th, 2020 - the same date I clocked in 30 some years ago. Had big plans to travel, to see the world. Now everything is in lockdown for "infinite" . What am I to do with my time...
by Faith20879
Mon Apr 06, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2923

Re: Anyone used ultrasound whistle to mitigate dog barking?

https://www.chewy.com/petsafe-outdoor-ultrasonic-bark/dp/48543?utm_source=google-product&utm_medium=cpc&utm_campaign=hg&utm_content=PetSafe&utm_term=&gclid=CjwKCAjw4KD0BRBUEiwA7MFNTdq_1krr3mjdiVKImQ9CzVDdAZitVEMYqCpwT0OQZU_9j-6OnRfvQhoCt0sQAvD_BwE Check out the Dazer: "Dog Dazer II Ultrasonic Dog D...
by Faith20879
Sat Apr 04, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2923

Re: Anyone used ultrasound whistle to mitigate dog barking?

Are there other neighbors being affected who you could band with to complain to the dog owners? The four houses on their other side all have dogs and fenced yard. Their dogs also come out to play. I doubt if they'd bother. The house on our other side also has a dog but keeps her in all day. They sa...
by Faith20879
Sat Apr 04, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2923

Re: Anyone used ultrasound whistle to mitigate dog barking?

Watty wrote:
Sat Apr 04, 2020 2:50 pm
Most areas have ordinances about barking dogs so you should look into that.
Animal control said the dogs are not barking continuously so they won't intervene.
by Faith20879
Sat Apr 04, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2923

Re: Anyone used ultrasound whistle to mitigate dog barking?

Many reasons, each time they gave a different one. "Dogs need to be outside playing." "Dogs only barking when there are people near our yard." "I can't stop people from walking near our property." A public trail/path runs right along the edge of our properties. The foot traffic has increased 5 fold ...
by Faith20879
Sat Apr 04, 2020 2:42 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2923

Anyone used ultrasound whistle to mitigate dog barking?

We are in lockdown, teleworking from home. Neighbor's two large-breed guard dogs roam in their fenced yard for most of the day. Their barking is driving us up the wall. Can't concentrate, can't take nap. Researched on the web and found mentions of ultrasound dog whistle. Hoping to hear if anyone has...
by Faith20879
Thu Apr 02, 2020 11:03 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9622

Re: Does anyone else just not care/worry?

ResearchMed wrote:
Wed Apr 01, 2020 9:18 pm
we are far more worried about the virus itself.
:(

RM
This.
by Faith20879
Thu Apr 02, 2020 9:56 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190714

Re: Bogleheads community discussion - Coronavirus

I see the word "Mandatory" used a lot here. NOT going to happen, at least not in the county where we live, Montgomery, MD. The parks are so crowded it felt like the Costco on a Saturday afternoon. No one, I emphersize, no one practiced social distancing on the trails. Gov'nor Hogan can close all the...
by Faith20879
Tue Mar 24, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55496

Re: How to get Toilet Paper ? seriously.

I was stationed in Japan for a few years, and they do things right... I pass through Narita twice a year. There every other stall is equipped with a bidet as you described. However there was also this big sign says " this is facilitated with recycled water" post next to it :oops: I know they must t...
by Faith20879
Tue Mar 24, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Costco Senior hour Tue and Thur
Replies: 70
Views: 5734

Re: Costco Senior hour Tue and Thur

How much broccoli can they eat? I wondered about that too. I can understand people stocking up on non-perishibles. But, produce? How many days can spinach last in the frig.? I was in our local Safeway Tue. noon looking for fresh produce. The shelf was completely empty. I went back on Thur. noon and...
by Faith20879
Thu Mar 19, 2020 9:30 am
Forum: Investing - Theory, News & General
Topic: Is the 2020 crash different from 2008, 2001 or 1987?
Replies: 61
Views: 5328

Re: Is the 2020 crash different from 2008, 2001 or 1987?

..Is this market crash different from prior crashes in 2008, 2001 or 1987? To us, this time it is very different in two aspects. 1. We were still working and paychecks were coming in steadily. Now we are retired and have to plan for our paychecks. 2. We are older and have less time to recover. The ...
by Faith20879
Mon Mar 16, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: Are you in the mood to buy anything?
Replies: 62
Views: 5006

Re: Are you in the mood to buy anything?

I am craving for some fresh green leavy veggies that you can only get from Asian markets. But I don't really want to join the crowd in this climate. Canned veggie it is. Sigh...
by Faith20879
Fri Mar 13, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5441

Re: What entertainment during Covid-19 times?

fru-gal wrote:
Fri Mar 13, 2020 9:23 am
The libraries in my area partner with ezone/overdrive so you can borrow ebooks.
Yes that's the way to go.

Besides, county libraries in my muni are closed under Gov'nors order.
by Faith20879
Tue Mar 10, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 21555

Re: I Bonds are a screaming buy - Tipswatch

Anyone who's building a small Liability Matching Portfolio (LMP) of TIPS to complement their SS and other "guaranteed" income in retirement, Yep that's us, 25k every year even during the years when it wasn't screaming. However we've stopping buying EE bonds because of our age - long in the tooth an...
by Faith20879
Tue Mar 10, 2020 10:01 am
Forum: Personal Investments
Topic: Help... so confused about 401k to IRA conversions...
Replies: 11
Views: 614

Re: Help... so confused about 401k to IRA conversions...

lakpr wrote:
Tue Mar 10, 2020 6:35 am
Retirement plan transfers are always based on cash. ...
Is this universally true? Bummer! I was hoping to do in-kind when I do mine in order to stay in the market.
by Faith20879
Mon Mar 02, 2020 1:27 pm
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 9446

Re: Forum is very slow?? is this just today?

mervinj7 wrote:
Mon Mar 02, 2020 9:00 am
I also can't access site on TMobile cellular network but it works fine on home WiFi network.
Same here. Mint cellular/Moto G 5+/Chrome browser. The progress bar gets stuck at the 10% location and then times out after about 1 minute.
by Faith20879
Fri Feb 28, 2020 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Is a capital loss of MD mini fund taxable in Maryland?
Replies: 2
Views: 252

Re: Is a capital loss of MD mini fund taxable in Maryland?

I looked this up in Maryland Administrative Release #5: Mutual Fund Distributions of Tax-Exempt Interest and Capital Gains from State and Local Obligations (Similar rules for Treasuries are in Administrative Release 5: Tax Status of Interest Received from Federal, State and Local Obligations ) MD d...
by Faith20879
Wed Feb 26, 2020 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is a capital loss of MD mini fund taxable in Maryland?
Replies: 2
Views: 252

Is a capital loss of MD mini fund taxable in Maryland?

Have a 1099B with a loss from selling shares of a Maryland muni fund. I understand that capital losses from muni are treated same as any CG or CL at the Fed level. Is it taxable for Maryland ?

Thank you!
by Faith20879
Mon Feb 24, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Retirement expenses vs pre-retirement expenses?
Replies: 28
Views: 2998

Re: Retirement expenses vs pre-retirement expenses?

There was a similar discussion a few years ago. You may find it still somewhat relevant: https://www.bogleheads.org/forum/viewtopic.php?t=140072 My list of expenses to go up post-retirement is: 1. Internet service - paid by work. 2. Mobile phone - paid by work. 3. Laptop/iPad - paid by work. 4. Gym ...
by Faith20879
Fri Feb 21, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is it true that TSP no longer provides Q4 statement?
Replies: 5
Views: 381

Re: Is it true that TSP no longer provides Q4 statement?

Under Recent Transactions, each transaction has to be opened one by one and the default view shows only dollar amounts. Then click the button for number of shares and check that. I see what you're saying. Thanks! Will give it a try. I also find the annual statement offers very little (if nothing) e...
by Faith20879
Fri Feb 21, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Is it true that TSP no longer provides Q4 statement?
Replies: 5
Views: 381

Re: Is it true that TSP no longer provides Q4 statement?

seity wrote:
Fri Feb 21, 2020 2:34 pm
The Q4 is now included in the annual statement. You can get transaction details from within the tsp site.
But my "2019 Annual with Q4 summary" statement does not have the transaction details. What am I missing?

Thanks.
by Faith20879
Fri Feb 21, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Is it true that TSP no longer provides Q4 statement?
Replies: 5
Views: 381

Is it true that TSP no longer provides Q4 statement?

I only found a summary statement which does not include the transaction details. Does anyone know how I can get hold of this information? I've found mistakes in the past that number of shares didn't match (not from truncation of digits) and had to call to correct. So am always trying to keep an eye ...
by Faith20879
Mon Feb 10, 2020 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R for tax year 2019
Replies: 10
Views: 706

Re: 1099-R for tax year 2019

thesloog wrote:
Sun Feb 09, 2020 8:55 pm
Has anyone received their forms yet?
Two 1099-Rs issued by Vanguard received three weeks ago.
by Faith20879
Mon Feb 10, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Not reporting 1099g state tax refunds if SALT limit is hit
Replies: 5
Views: 864

Re: Not reporting 1099g state tax refunds if SALT limit is hit

My understanding based on this IRS document is that I do not even have to include my state tax refund reported on my 1099g on my 2019 taxes since I am well over the SALT limit and did not take the standard deduction. My understanding is that, partial or not, it depends on "how much you are over". T...
by Faith20879
Mon Feb 10, 2020 11:48 am
Forum: Personal Finance (Not Investing)
Topic: 10% penalty exemption from 401k withdrawal
Replies: 6
Views: 910

Re: 10% penalty exemption from 401k withdrawal

Not sure how exactly your software words it. Found this in the form 5329 instructions: 05 Qualified retirement plan distributions up to the amount you paid for unreimbursed medical expenses during the year minus 7.5% of your adjusted gross income (AGI) for the year. https://www.irs.gov/pub/irs-pdf/i...