Search found 4370 matches

by mptfan
Wed May 23, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 61
Views: 8193

Re: Chase Savings Account emptied out!

It is stories like this that stop me from using Schwab as my primary bank. I still can't believe that in 2018 it is not possible to get account alerts on a Schwab checking account to monitor for this type of situation. This is not correct. First, in order to do an ACH transfer out of a Schwab bank ...
by mptfan
Wed May 23, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

tesuzuki2002 wrote:
Tue May 22, 2018 5:48 pm
oh! well then kudos to GMAIL for making it difficult to access your account when you forgot the password!!!
He did not forget the password, he never knew it.
by mptfan
Tue May 22, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

tesuzuki2002 wrote:
Tue May 22, 2018 3:32 pm
I'd love to hear about why you are having such trouble??
It's simple really, he is trying to access a Gmail account without knowing the password. That SHOULD be hard to do.
by mptfan
Tue May 22, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

mouses wrote:
Tue May 22, 2018 3:07 pm
I have a gmail account, but I don't recall getting any codes. If I'm logged in, can I get these codes somehow to store away?
Yes, you can.

https://support.google.com/accounts/ans ... 7538?hl=en
by mptfan
Tue May 22, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Difficulty with Parents-In-Law
Replies: 25
Views: 1340

Re: Difficulty with Parents-In-Law

What would you guys do here? Just leave it alone? Am I in the wrong totally? Yes, I would just leave it alone, and yes you are in the wrong. I don't mean to be mean, but my advice is to stay out of it, it is none of your business. I have been where you are so I understand the frustration, and I hav...
by mptfan
Tue May 22, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 62
Views: 4511

Re: How do you stop moving the goal posts.

Atgard wrote:
Tue May 22, 2018 9:55 am
What is the purpose of having that money? To jump into a pile of coins like Scrooge McDuck? (Admittedly, that would be kinda cool. :D ) Probably not.
Actually, I think jumping into a pile of coins would be rather uncomfortable.
by mptfan
Mon May 21, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

I have about 200 passwords to keep track of. Do you use the same PW for every site? No. I use the same method to create different passwords for the sites that I consider "mission critical" which include my email and my financial accounts. That adds up to 3 different passphrases that I am able to re...
by mptfan
Mon May 21, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

I create a pass phrase for my Gmail account that I remember in my head and is known only to me, like "I like to post on Bogleheads" becomes "iltpob" and then I usually add some combination of numbers or special characters that has some significance to me and only I know, and that is my password. The...
by mptfan
Mon May 21, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

It won't help you now, but for future reference, and for anyone else, you can bypass the 'can't get codes by phone' problem by printing out some backup codes: https://support.google.com/accounts/answer/1187538?hl=en I don't think the backup codes help if you do not know the password, I think the ba...
by mptfan
Mon May 21, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

My main issue with Gmail now is the 3-5 days before they will address the problem. A paid email, with good service should resolve in hours. Ok, I can understand this frustration, but Gmail is a free service, so it's not reasonable to expect the same instant customer service as you might if you were...
by mptfan
Mon May 21, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 86
Views: 8828

Re: done with Gmail

This doesn't sound like a Gmail problem, it sounds like they are doing the right thing. If someone contacted Gmail and claimed to be me and said they "forgot" the password, I would hope Gmail would not say "Here you go, here is the password, sorry for the inconvenience." If I found out it was that e...
by mptfan
Sun May 20, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2076

Re: Transfer on Death Accounts

Yes, but thankfully my state now matches the federal exemption. That wasn't always the case. Back in 09 my state limited exemptions to $1M or less. I can't speak for your state law, but I would be very surprised if your state required you as a matter of law to go through the probate process for est...
by mptfan
Sun May 20, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2076

Re: Transfer on Death Accounts

Depends where you live; in CT all estates are subject to a probate fee (in actuality just another state tax). These fees are payable whether assets pass via will, via TOD/POD, RLT etc. These are reduced if passing to a spouse. Being "subject to a probate fee" is not the same thing as being required...
by mptfan
Sun May 20, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2076

Re: Transfer on Death Accounts

avoidingdumbmistakes wrote:
Sun May 20, 2018 3:02 pm
If the estate was over the taxable limit I would have had to gone through the entire process because everything would need to be valued and approved in court.
Are you referring to your state estate tax as opposed to the federal estate tax?
by mptfan
Sun May 20, 2018 7:59 am
Forum: Investing - Help with Personal Investments
Topic: Transfer on Death Accounts
Replies: 28
Views: 2076

Re: Transfer on Death Accounts

I didn't have to deal with any court paperwork becuase the estate was under the taxable amount. I don't think you would have had to deal with any court paperwork even if the estate was over the taxable amount. The only difference would have been filling out forms and filing them with the IRS to pay...
by mptfan
Sat May 19, 2018 5:27 am
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 185
Views: 9598

Re: how do you tip on wine at a restaurant

I agree that the restaurant tipping system in the U.S. is not rational, but it exists. Most people know that it exists and servers do work based on the expectation of getting tipped 15-20% of the total bill. Most people who dine at restaurants know this, or should know this. So the way I see it, if ...
by mptfan
Fri May 18, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2518

Re: Having trouble figuring out expected expenses in retirement

If you don't already, I would start doing a monthly budget. Once you start doing that for a few months, I think you will see what expenses might be eliminated or reduced (i.e. Retirement Savings, Mortgage, gas) and what might increase (medical, travel, etc...) in retirement. Even better than doing ...
by mptfan
Fri May 18, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 426
Views: 20994

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

CnC wrote:
Fri May 18, 2018 9:57 am
You are saying that money in pretax grows but Roth doesn't. You are also saying that you don't pay taxes in retirement either.
I didn't say either of those things.
by mptfan
Fri May 18, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 426
Views: 20994

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Specifically, there is no doubt at all that 18,500 in a Roth is worth more than 18,500 in a traditional. There is lots of doubt about that because it is not true for most people. Consider this analogy: I have a gold coin and I offer to sell it to you and I give you two options: Option 1: You pay me...
by mptfan
Wed May 16, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7553

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Noob question :-) A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He said that come October or March next year, there are likely to be big crashes. He said companies were artificially inflating their stocks. (I don't understand the detail!) ...
by mptfan
Tue May 15, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3613

Re: Vanguard Junk Bond fund

I am of the age that I am only concerned with income, it's no good to me if the stock market crashes but recovers in 10 years, just too risky for me. Please address my original question as to what is wrong with VWEAX for generating an income stream to be spent. In my opinion there is nothing wrong ...
by mptfan
Mon May 14, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 99
Views: 13830

Re: What online bank do you use?

Have been experimenting with both Schwab and Fidelity as full replacement for my brick and mortar bank checking based on the recommendations in this thread. Very hard to decide between the two, they've both been excellent so far. (Emergency fund will stay in a MM fund at Vanguard) I would point out...
by mptfan
Mon May 14, 2018 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5328

Re: Are bonds really needed - why not 100% stocks?

LIGuy82 wrote:
Sun May 13, 2018 10:21 pm
Am I incorrect in saying that bonds tend to under perform equities?
You said "bonds return significantly less than bonds." That is tricky.
by mptfan
Thu May 10, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5285

Re: What's the view on dogs running free?

caffeperfavore wrote:
Thu May 10, 2018 2:12 pm
"He/she's friendly" is a phrase I dread because it usually precedes the beast lunging at someone. So many dog owners are absolutely clueless about what their animals are capable of and how they behave towards those of us that are outside of their pack.
+1000
by mptfan
Thu May 10, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17665

Re: Ed. Jones rep didn't like our plan, now we're locked out

Agree with these points, but want to caution that a fee-based financial advisor is a misleading term designed to trick people. You want a fee-only financial advisor. Fee-based advisors charge fees in addition to taking commissions ! As if the problem with the commission-based model is not the prese...
by mptfan
Wed May 09, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5285

Re: What's the view on dogs running free?

My point is you absolutely can NOT tell by looking at the demeanor of a dog what it might do. Assume the loose dog is dangerous and aggressive - it might save you or your kids days in a hospital (or worse). "But he was always so friendly with kids" the defendant says after being sued over a life-al...
by mptfan
Wed May 09, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5285

Re: What's the view on dogs running free?

Globalviewer58 wrote:
Wed May 09, 2018 1:10 pm
What would concern me is a when dog that is aggressive is allowed to run free.
Every dog is not aggressive up until the point when it is.
by mptfan
Mon May 07, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary/beneficial in my situation?
Replies: 21
Views: 2028

Re: Are bonds necessary/beneficial in my situation?

ruralavalon wrote:
Sun May 06, 2018 2:59 pm
Congratulations. At age 29 it is awesome to have a portfolio 11 times the size of your annual living expenses.
That's a great accomplishment at any age, most Americans will never accomplish that, but it is certainly more impressive at such a young age.
by mptfan
Sat May 05, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17665

Re: Ed. Jones rep didn't like our plan, now we're locked out

I would get a lawyer and also make sure you have all the information facts before you do anything, because this going to cost money to do this. I would also have the lawyer tell him they're going to file a lawsuit against the broker and let the corporate office know of this lawsuit and I would also...
by mptfan
Fri May 04, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 17665

Re: Ed. Jones rep didn't like our plan, now we're locked out

LFKB wrote:
Thu May 03, 2018 11:19 pm
If they can’t help you I’d make an empty threat like you’re going to publish this story somewhere online.
S/he already did that and you responded.
by mptfan
Thu Apr 26, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Rising Interest and bond funds
Replies: 19
Views: 2110

Re: Rising Interest and bond funds

Interest rates are not monolithic, it depends on what rates rise. The Fed is raising the fed funds rate, not longer term rates. Sure, the fed funds rate may have an impact on other rates, but it's not an automatic thing. Essentially, you have to figure out what rates are rising and see if that match...
by mptfan
Thu Apr 26, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Rising Interest and bond funds
Replies: 19
Views: 2110

Re: Rising Interest and bond funds

jeffreyalan wrote:
Thu Apr 26, 2018 2:08 pm
I understand that theory if there is just one or two rate increases and then they stop.
What makes you believe that the theory is limited to situations where there is just one or two rate increases?
by mptfan
Thu Apr 26, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10167

Re: Wedding - financial burden on couple and attendees

SrGrumpy wrote:
Thu Apr 26, 2018 11:38 am
Fortunately I've been to 4.5 weddings in my life.
How did you go to half a wedding?
by mptfan
Thu Apr 26, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10167

Re: Wedding - financial burden on couple and attendees

As you can see from the debate that has started above different people view weddings in different ways. Some view it as "I want to share our marriage celebration with all our close family and close friends and will do what I can to be inclusive". While others seem to view it as "Its our wedding day...
by mptfan
Thu Apr 26, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 10167

Re: Wedding - financial burden on couple and attendees

How is the destination wedding is that much different than say a wedding in New York when one party is in Boston? It should be obvious, but I'll state it anyway... if one party lives in New York and the other party is from Boston, and the wedding is in New York, then the wedding is in a location wh...
by mptfan
Wed Apr 25, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Vs Fidelity Vs Vanguard
Replies: 48
Views: 5144

Re: Schwab Vs Fidelity Vs Vanguard

MrPotatoHead wrote:
Tue Apr 24, 2018 9:40 pm
Both Fidelity and Schwab offer bank like services that are exceptional.
Schwab does more than offer bank like services, it offers services of an actual bank, i.e. Schwab Bank.
by mptfan
Wed Apr 25, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5246

Re: [Vanguard account locked out due to deceased owner]

I suggest you just delete the post, it is all bad advice. I agree. When you offer "tips," it's implied that the information being provided is good advice, or at the very least, legally valid advice. Your "tips" are neither and should be deleted. I'm sure you had good intentions, and I'm sure you di...
by mptfan
Tue Apr 24, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6305

Re: Structuring Newlywed Finances for Fairness and Less Arguments

Obviously, people have happy marriages in which one spouse makes all the important decisions in a specific area, like finances, childrearing, etc. But many people would feel that conceding control like that is infantilizing — they want a partner, not a parent. This is the kind of judgmental comment...
by mptfan
Tue Apr 24, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6305

Re: Structuring Newlywed Finances for Fairness and Less Arguments

You said that your perspective is quite different, but never said what your perspective is. Yes I did. I said that "it seems to me that the U.S. is quite liberal and egalitarian when it comes to perspectives on marriage and relationships" in response to the post by International001 who said "the US...
by mptfan
Tue Apr 24, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6305

Re: Structuring Newlywed Finances for Fairness and Less Arguments

If you guys aren't on the same page with respect to major goals like saving for the future vs. living for the moment, no structure (one pot vs. his-hers-ours) will solve your problems. I agree with this. I think the issue boils down to compatibility...if two people are compatible regarding spending...
by mptfan
Tue Apr 24, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Structuring Newlywed Finances for Fairness and Less Arguments
Replies: 84
Views: 6305

Re: Structuring Newlywed Finances for Fairness and Less Arguments

I am amazed of the general consensus about join accounts, whatever the choices/work/contribution of each partner. But US is very conservative in regards marriage, and there is some expectation of men as provider and women as dependent. My perspective is quite different. I was raised in a somewhat d...
by mptfan
Sun Apr 22, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 80
Views: 7709

Re: What is a good flat rate cash back credit card?

madbrain wrote:
Sun Jan 28, 2018 5:48 pm
I believe Citi 2% doublecash has a 3% foreign transaction fee, as does the Fidelity 2% VISA,....
The Fidelity 2% Visa has a 1% foreign transaction fee, not 3%. As another poster wisely pointed out in another thread, that makes the Fidelity Visa a 1% cash back card for foreign transactions.
by mptfan
Sat Apr 21, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 95
Views: 21706

Re: Charles Schwab Checking + Brokerage Account

Just to clarify, I can switch over to using the Schwab brokerage account and it will function exactly like the checking account (including no fee ATM and checkwriting)? Just to clarify, no, it will not function exactly like the checking account. It will function similarly to, but not exactly like, ...
by mptfan
Wed Apr 18, 2018 1:56 am
Forum: Personal Consumer Issues
Topic: Lessons learned with Booking.com and VRBO
Replies: 13
Views: 3081

Re: Lessons learned with Booking.com and VRBO

Once I booked a hotel room in DC on a travel site (I think it was Expedia) and when I checked in and walked into the room, I noticed right away that there was a strong smell of cigarette smoke everywhere in the room. I am not a smoker and the room was obviously designated as a smoking room and the s...
by mptfan
Fri Apr 13, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Account benificiary vs will beneficiary....
Replies: 18
Views: 1322

Re: Account benificiary vs will beneficiary....

Broken Man 1999 wrote:
Fri Apr 13, 2018 2:14 pm
1. Are there any conditions that would have an account (401K, TIRA, and Roth IRA) beneficiary overridden by a will? State is Florida, if it matters.
No.
by mptfan
Wed Apr 11, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 153
Views: 8974

Re: Why are expected returns so much lower than historical returns?

yeahman wrote:
Wed Apr 11, 2018 2:15 pm
Historical real returns are something like 7% on equities and 2.5% on bonds and yet everybody seems to expect closer to 2-4% real on equities and 0-2% on bonds. Why?
You should not speak for everybody, and it is not true that everybody expects that.
by mptfan
Sat Apr 07, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4334

Re: Is it very hard to learn Spanish?

Caution on the Spanish dialect you wish to learn. The overall guidance is to decide where you wish to speak Spanish. The majority of spoken Spanish in the US is the Latino dialect. Look for courses which teach Spanish for Mexico . Spanish from Spain is very different. You'll have a difficult time g...
by mptfan
Sat Apr 07, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4334

Re: Is it very hard to learn Spanish?

I think it's probably "hard" to learn any language to the point that I would call "knowing" the language. Claims for learning a language in six months or sixty days or whatever are hogwash. It's like diet books that claim you can lose ten pounds in a month while eating as much as you like of everyt...
by mptfan
Sun Apr 01, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 971

Re: death tax on savings accounts?

There is no such thing as a death tax, perhaps you were referring to the estate tax?
by mptfan
Sat Mar 31, 2018 9:01 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 149
Views: 8251

Re: Misuse of adverse when averse was meant

For all intensive purposes. In a week's time.