Search found 1149 matches

by Cosmo
Mon Feb 19, 2018 11:52 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 17
Views: 1114

Re: Email from IRS this morning- is my information compromised?

It's spam. Delete it and move on with your life. The IRS mail any tax notice or corresponding to your mailing address. It is not a tax notice. It has to do with the online services account and is possibly legit. I disagree. As far as I know, the IRS will only notify you via snail mail to your offic...
by Cosmo
Mon Feb 19, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 17
Views: 1114

Re: Email from IRS this morning- is my information compromised?

Good morning! I just checked my email a few minutes ago, and there was an email from IRS.online.services@irs.gov stating that there have been three unsuccessful attempts to access my account with them, and my account has been frozen for 24 hours. I asked my husband if he was working on our taxes an...
by Cosmo
Sat Feb 17, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10008

Re: My Over $300K Vanguard Balance Disappeared?

Your comment is off the mark. Do you have anything better to post in this thread? Do you have any problem if I check my account on a weekly basis or even every five minutes? Yes, if it causes you stress, you shouldn't do it. Again your comment is off the mark. That was not the topic of this discuss...
by Cosmo
Wed Feb 14, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 775

Re: Buying Iphone X with AT&T

Sprint and Verizon are both offering a two for one deal if you decide to upgrade. That sounds like a price break to me.
by Cosmo
Wed Feb 07, 2018 6:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1261934

Re: U.S. stocks in freefall

I wish a moderator would put this 7 year old thread out of its misery and lock it.

Cosmo
by Cosmo
Sun Feb 04, 2018 7:36 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15904

Re: Blood in the water- buying?

harvestbook wrote:
Sat Feb 03, 2018 10:02 am
600 dow points ain't what it used to be

Not your father's 600 Dow points!
by Cosmo
Sat Dec 30, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Plow Guy Raised Rates
Replies: 112
Views: 9450

Re: Plow Guy Raised Rates

livesoft wrote:
Fri Dec 29, 2017 11:13 am
How much do you tip the Plow Guy every year? At least a bottle of Jack Daniels, right?
Actually, you would tip in lobsters, of course.
by Cosmo
Sat Dec 30, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2908

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

It's getting even worse and more disturbing. Earlier today, my 529 balances for each of my two kids showed a zero balance. Now when I check, the two 529 plan account names are just gone! No mention of them. It's like they were never there in the first place. Boy, I hope we get some answers from Vang...
by Cosmo
Sat Dec 30, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2908

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

Hey Vanguard! How about some advance notice on doing maintenance on our accounts? The timing is interesting as well. They waited until the weekend so they wouldn't have to handle the phone calls. FWIW, mine still show zero balance.

Cosmo
by Cosmo
Sat Dec 30, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2908

Re: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)

It's unfortunate because I am also unable to contribute to my kid's 529 plans.

Cosmo
by Cosmo
Sat Dec 30, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2908

Re: Vanguard online 529 balance not showing

Good morning. I also posted about this issue as well. If you scroll further down, there was already a thread started on this. Apparently it is a widespread problem. Here is the post:

viewtopic.php?f=1&t=236154&newpost=3690 ... ead#unread

Cosmo
by Cosmo
Sat Dec 30, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 6810

Re: Wifi Router Advice

Cunobelinus wrote:
Fri Dec 29, 2017 11:29 pm
Still running dd-wrt on a Linksys WRT-54G. Haven't had any issues since setting it up 8-10 years ago..? I'm surprised routers sell for $100+.

I would upgrade immediately as I am guessing it is no longer supported. I would be very concerned about security vulnerabilities.

Cosmo
by Cosmo
Sat Dec 30, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 2908

Vanguard 529 Plans Showing Zero Balance

Came across something very alarming this morning. Both of my kid's 529 plan show a zero balance on the Account Overview page! When I drill into the account to see transaction details, poof nothing there. No evidence of any account being there. The only evidence of the accounts even existing are from...
by Cosmo
Sat Dec 23, 2017 11:54 am
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4106

Re: Happy Holidays Bogleheads. How others here helped you?

I would like to pile on here and thank all the participants who make a contribution to this group. By far, this is the smartest group of guys and gals that I know. Thank you all for your informative posts and for constantly challenging me in looking at things differently and not just accept the stat...
by Cosmo
Thu Dec 21, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: iPhone 4 troubleshooting
Replies: 15
Views: 1230

Re: iPhone 4 troubleshooting

This happened with an iPhone 4s that I had years ago. I took it into Apple within the 1 year warranty period and all they could do was replace it with a new phone. These things aren't built to last very long, so you should probably get a new phone. Are you kidding me? The iPhone 4 came out in June ...
by Cosmo
Sun Dec 17, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 65
Views: 9216

Re: Why is Vanguard switching all accounts to brokerage accounts?

We fought hard and won - Vanguard agreed to keep our joint accounts as legacy - not brokerage - accounts since we have been with Vanguard over 30 years and have millions with them. We do not like the way Vanguard handles brokerage accounts. We had one brokerage account and every quarter the account...
by Cosmo
Sun Dec 03, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3322

Re: Card declined - blocked country

We get denied from using our credit card when traveling to another state now. Apparently, you need to give the credit card company your complete travel itinerary ahead of time -even if it is within the U.S. American Express and Chase. Same thing. Cosmo I always set travel notifications except with ...
by Cosmo
Sun Dec 03, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27921

Re: Why not take Social Security at 62

Hi all, Although this decision is a ways off for me, I am doing a little math and research regarding when it's "best" to take Social Security. Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I...
by Cosmo
Sun Dec 03, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3322

Re: Card declined - blocked country

We get denied from using our credit card when traveling to another state now. Apparently, you need to give the credit card company your complete travel itinerary ahead of time -even if it is within the U.S. American Express and Chase. Same thing.

Cosmo
by Cosmo
Sat Dec 02, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27921

Re: Why not take Social Security at 62

Hi all, Although this decision is a ways off for me, I am doing a little math and research regarding when it's "best" to take Social Security. Most of what I find on the web says to wait at least until age 67 (my full benefit age). I am having a difficult time making the math justify most of what I...
by Cosmo
Wed Nov 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Declaring Tutoring Income
Replies: 16
Views: 2668

Re: Declaring Tutoring Income

My wife started providing some tutoring services earlier this year and it unexpectedly grew into more business than she (we) thought. ... Thanks, Cosmo Cosmo, my spouse is considering offering tutoring service in our neighborhood. Could you and others please share how to start and grow a tutoring s...
by Cosmo
Sun Oct 22, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2914

Re: how often to upgrade phone?

Yeah, I don't buy it. Stay frugal. Still using my iPhone 3GS. Will probably get a used 6 or 6s in another year or so from Swappa or eBay. Is this even supported by Apple? If you are using it solely as a dumb phone, that would be fine. Otherwise, you would not want to use as there will likely be a l...
by Cosmo
Sun Oct 22, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2914

Re: how often to upgrade phone?

I found this statement from the article quite dubious (You could sell after four, but by then your phone will have degraded in performance and battery life quite a bit, so most people will probably upgrade before then.) My last phone was running fine after 5 years, and the only reason I upgraded wa...
by Cosmo
Sun Oct 15, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 60
Views: 5482

Re: Amazon Prime - Decline in Delivery Service?

I have no problems. In fact they seemed to have reduced delivery times and increased reliability. Part of that is related to using USPS and part to running their own trucks around. I live in a metro area that probably is very easy for them to service efficiently. ^This. If anything, the deliveries ...
by Cosmo
Sun Sep 24, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 7206

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

Was listening to local news radio today on the drive in. An interesting cautionary tale about home buying during hurricane season. One individual just bought a house right before Harvey hit and his previous home was still under contract. Both homes were lost were lost in the storm and neither had f...
by Cosmo
Sun Sep 24, 2017 5:43 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 7206

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

I would have left town on 8/23 , I think that's your biggest mistake. You gambled and got lucky and your house didn't flood, but whats to say it would be the case next time. You could have decamped to Austin for a couple of days. Evacuating smaller areas with a harsh storm imminent is a no-brainer,...
by Cosmo
Sun Sep 03, 2017 4:50 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 14572

Re: Florida Hurricanes: When and where to go?

Houston has excellent evacuation plans that work given time. So Rita was not the "Last hurricane", Ike was. The problem is they have never been really tested yet since Ike. Since Ike alone, the population has increased around 30%. This will require an even longer amount of time to evacuate safely. ...
by Cosmo
Thu Aug 10, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 83
Views: 9122

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...
by Cosmo
Sun Aug 06, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 10033

Re: LED light bulbs

I did some research recently on LEDs because it seemed I was having a lot of failures, especially in the enclosed fixture in my shower. Apparently, some LEDs are not designed to be used in enclosed fixtures because of heat build up. Some of the newer ones are as the result of different design. This...
by Cosmo
Fri Jul 28, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6766

Re: TSA Pre-check for free

I was told that Pre Check TSA is totally random. My unscientific survey says that we get Pre check TSA 1/6 times. Is it worth it? That's for you to decide. I don't fly enough for it to matter but with Pre Check TSA, you no longer need to be there 1.5 hours ahead of time for domestic flights. Cosmo
by Cosmo
Thu Jul 27, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Buying a vacation home in San Diego
Replies: 14
Views: 1850

Re: Buying a vacation home in San Diego

Those seven hour or so flights coast to coast are not much fun. Seems like an odd place to buy a vacation home given where you live now. To me, it would make more sense to buy a house there when you are ready to move there and just rent a place for vacations. That way you can vacation in different ...
by Cosmo
Thu Jul 27, 2017 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 128
Views: 31234

Re: What you wish you had known entering your late 20's

A lot of people will say things like "I wished I would've started to save earlier" or whatever, but I knew that I should be saving early...it's just a lot harder when you don't have as much money! I have learned this lesson now, but when I get an impulse to purchase something, I should wait a minim...
by Cosmo
Thu Jul 27, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 5737

Re: Why is everything done with a mouse?

I guess Personal Consumer is the best subsection for this question. Before this gets locked, could a few Boglehead coders out there just tell me: Everything is so mouse-driven on websites, and before the web, I remember hitting Y or N or a number to move things along. At Vanguard, you can start log...
by Cosmo
Sat Jul 15, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: What am I missing here? [I'm a bachelor]
Replies: 51
Views: 4015

Re: What am I missing here? [I'm a bachelor]

Yes. What you would pay in nominal terms over 30 years if you kept the house that long and paid off the loan is not a very informative comparison to current rent. If inflation stays positive, the loan payment is decreasing in real terms over time. The homeowner's mortgage deduction from taxable inc...
by Cosmo
Sat Jul 15, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 4111

Re: If i turn off central AC will it damage drywalls?

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...
by Cosmo
Sat Jul 15, 2017 6:40 am
Forum: Personal Consumer Issues
Topic: If i turn off central AC will it damage drywalls?
Replies: 38
Views: 4111

Re: If i turn off central AC will it damage drywalls?

Big temperature changes in a house are not good for the structure or the trim, paint and caulk of your house. All materials will expand and shrink at different rates as temperature and humidity goes up or down. Same goes for furniture. Result is cracks and potential warping of materials. Leave HVAC...
by Cosmo
Sat Jul 08, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 2739

Re: Buying a house in FEMA flood zone X

Talk to the neighbors, if there has been any problems they will tell you (complain to you) If they are new, ask them who has lived in the area the longest, ask them You will learn more from them then any municipal or FEMA map......Gordon While I agree with this in principle, the problem with this i...
by Cosmo
Sat Jul 08, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 2739

Re: Buying a house in FEMA flood zone X

A common misunderstanding exists that a 100-year flood is likely to occur only once in a 100-year period. In fact, there is approximately a 63.4% chance of one or more 100-year floods occurring in any 100-year period. Flood events greater than the 50-year flood occurred at intervals of 4 to 192 yea...
by Cosmo
Sat Jul 08, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in FEMA flood zone X
Replies: 30
Views: 2739

Re: Buying a house in FEMA flood zone X

Dear all: We put in an offer for a house in NJ and was accepted by the owner. Today, I found out that the house is in FEMA flood zone X and as per my real estate agent we don't need flood insurance. The house is in great condition and it fits all our needs. We are concerned about the flood zone X. ...
by Cosmo
Sat Jul 08, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Term Life Insurance - what age to buy?
Replies: 13
Views: 1212

Re: Term Life Insurance - what age to buy?

Curious to hear opinions on those who have been through this already. Im 28, recently married, no kids. Income $165k/yr. Wife makes $105k/yr. Only debt for us is our house mortgage (1445/month) Cars paid off. College paid off. Etc etc. 401k maxed out for each of us yearly. Backdoor roth maxed out f...
by Cosmo
Sun Jul 02, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 9273

Re: LED Flood Light Question (CREE/FEIT/Etc)

In my case, the existing cans were well-anchored so I didn't need anyone to hold them down. There were a couple with big gaps between the can and the drywall cuts, so I took the opportunity to fill those gaps (although the lip on the retrofit lights would have covered those gaps anyway). For the va...
by Cosmo
Sun Jul 02, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 9273

Re: LED Flood Light Question (CREE/FEIT/Etc)

I just installed about 40 of these at my mothers, last year. I just used some generic retros from HD. I suggest two people, I had one of my guys go in the attic and hold down the can, went smooth and quick, given the existing cans weren't screwed down and some slightly bigger in diameter that I had...
by Cosmo
Sun Jul 02, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 9273

Re: LED Flood Light Question (CREE/FEIT/Etc)

I followed this thread when it originally came out. Ended up doing 30+ of these: http://www.homedepot.com/p/Commercial-Electric-5-in-and-6-in-White-Recessed-LED-Trim-with-2700K-90-CRI-CER6730MWH27/206950542?MERCH=REC-_-PIPHorizontal1_rr-_-206887082-_-206950542-_-N No failures so far. They look far ...
by Cosmo
Sun Jul 02, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: LED Flood Light Question (CREE/FEIT/Etc)
Replies: 39
Views: 9273

Re: LED Flood Light Question (CREE/FEIT/Etc)

By the way, if anyone is thinking about replacing their 65 watt incandescent flood lights with the CREE LED bulbs, I just had a very good experience with these today. In the main kitchen area, I have a total of 6 65 watt BR30s in recessed cans. When one of them recently burned out, I decided to go ...
by Cosmo
Sun Jun 25, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2871

Re: Worth it to attemp repair on A/C condenser?

Hello all, I have 2 zones of central air in my home. Each has an air handler and an outside condenser. The upstairs zone was changed out completely about 2 years ago. I have both zones serviced every year religiously. The most recent servicing of the downstairs unit was about a month ago. My heatin...
by Cosmo
Thu Jun 22, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4860

Re: which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...
by Cosmo
Thu Jun 15, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Poll: 401K Match
Replies: 99
Views: 18393

Re: Poll: 401K Match

I recently learned a brother-in-law has a 200% match on his 401K. I am curious as to what the match is on most 401Ks. I'm sure some of the choices on this poll will be poor, but I think it might be interesting anyway. Try to fit yourself into a category, if you don't, then pick other and explain be...
by Cosmo
Sat Jun 03, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: WHAT!? Us! Double comma! Can I pull back?
Replies: 27
Views: 4585

Re: WHAT!? Us! Double comma! Can I pull back?

TallBoy29er wrote:Combined you pull in $260 k per year. Maxing 401k's would put you at $234 k before taxes. That's a solid income. We obviously don't have your full situation, but on its face, it seems like there should be room in your budget to cash flow the effort.
+1
Cosmo
by Cosmo
Thu Jun 01, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 7080

Re: Used 2013 Audi A5 or New Honda Accord Sport

I love German engineering. I don't like German engineering repair costs. I'll take the Honda Accord Sport, please...

Cosmo