Search found 668 matches

by dual
Sat May 18, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 7041

de-googling my life: Keep Notes alternatives

I am a big fan of notes programs. I use them to keep track of financial and other information instead of little scraps of paper or notebooks that get lost and are not searchable. At home I use a notes program (Infoselect) that is deliberately not internet connected. For on the go, I started using Go...
by dual
Sat May 04, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: Can muni funds fail like MBSes?
Replies: 6
Views: 755

Re: Can muni funds fail like MBSes?

Local and state governments across the country have huge amounts of unfunded liabilities to pay current and retired employees retirement pensions and medical insurance. Unlike the federal government, they cannot print/create fiat money to pay off their debts. In many localities paying for the unfund...
by dual
Wed May 01, 2019 1:09 pm
Forum: Investing - Theory, News & General
Topic: Do I live in a HCOL area?
Replies: 56
Views: 3988

Re: Do I live in a HCOL area?

Cost of living definitely depends on your circumstances. I live in Silicon Valley, CA, which everyone thinks is an ultra-HCOL area. But my house was paid for some time ago and Proposition 13 keeps my property taxes from exploding with the cost of housing here. For other items like groceries my costs...
by dual
Tue Apr 30, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Low Cost Will?
Replies: 13
Views: 665

Re: Low Cost Will?

Before you do a will you should make sure to name beneficiaries for as many assets as you can. Obviously for financial assets. But in many states, including two that I am familiar with, AZ and CA, you can title your house as "transfer on death." I assume you and your wife would name each other as pr...
by dual
Thu Apr 18, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: College admission inputs - Purdue vs local SJSU vs others
Replies: 58
Views: 4116

Re: College admission inputs - Purdue vs local SJSU vs others

Some info on cost: SJSU is about 19K, Purdue is 44K, WPI is 55K, Rose is 82K, UWisconsin is 55K. Some thoughts: I know you have to consider aid offered by the schools but the raw difference for four years between in-state and out-of state schools is from $100K (Purdue) to $250K (Rose). If he went t...
by dual
Thu Apr 11, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 4199

Re: Buying a bed

Bed comfort is a very personal thing. ...Does memory foam maintain its shape over the years? Let me offer an alternate approach. I am very fussy about beds and searched for many years. I finally hit on a ~6 inch thick $10 Intex air mattress that I bought at Walmart covered with a thick latex foam t...
by dual
Sun Apr 07, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 96
Views: 40115

Re: Primer on Paying Taxes With a Credit Card

I'm confused about the need to use "payment with extension to file." I already e-filed with the H&R Block software (and received confirmation that it was successfully approved (or whatever terminology they used) by the Feds). Ah, I see. Did not know you had already filed. I am not OP but I think th...
by dual
Sun Apr 07, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 96
Views: 40115

Re: Primer on Paying Taxes With a Credit Card

How can I complete/file my taxes through the H&R Block software, but pay separately through the Pay1040.com website? Would I choose the "Mail a check" option? See the OP. Pay the amount due on Pay1040.com as a payment with extension to file (accepted automatically for 1.87% fee). Then go back to yo...
by dual
Sun Apr 07, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Primer on Paying Taxes With a Credit Card
Replies: 96
Views: 40115

Re: Primer on Paying Taxes With a Credit Card

On the max estimated tax transactions per quarter, is this limitation imposed by the IRS? I bumped into the limit when paying with $500 pre-paid Visa/Mastercards. I've also seen it posted somewhere. I don't remember where. YMMV. It's per processor, not an IRS limit of two payments. The 2 payments p...
by dual
Wed Apr 03, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Probate Question Re Credit Cards
Replies: 36
Views: 2517

Re: Probate Question Re Credit Cards

I believe FL has a simplified probate if probate assets are under $75k. Where I live (IL), you don't need probate if assets are under $100k. I can't answer any of the other questions. +1 Two states I am familiar with, California and Arizona also have simplified processes for small estates. Any asse...
by dual
Mon Apr 01, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

That is a negative for Merrill. I could not find a way to order Tbills at auction through their website. I called and they said it had to be ordered through a broker with a $30 fee. Really ? I would think they would waive the fee if they don't allow something to be done through their web site. At l...
by dual
Mon Apr 01, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

a few questions for those with an Edge Account: 1) Can you buy T-bills and what is the cost? I am coming from Vanguard so I am used to free :) That is a negative for Merrill. I could not find a way to order Tbills at auction through their website. I called and they said it had to be ordered through...
by dual
Mon Mar 18, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 2281

Re: Visiting Tucson, AZ for 3 days - what to see?

Some cautions from someone who grew up in Tucson and often visits family there. Tucson residents have resisted Freeways so you need to get around on city streets. Going in a north-south direction is an ordeal during the morning and afternoon rush hours. Also Tucson streets are not well maintained an...
by dual
Tue Mar 12, 2019 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Paid taxes with credit card; did not use TurboTax
Replies: 3
Views: 1102

Re: Paid taxes with credit card; did not use TurboTax

See also the post by whodidntante in this thread viewtopic.php?f=11&t=275332

Suggests first paying as extension to file on any of the three credit card payment processors. Then entering payment to turbotax and then efiling with zero balance due.
by dual
Mon Mar 11, 2019 1:37 am
Forum: Personal Consumer Issues
Topic: efile and pay taxes by credit card without turbotax fee
Replies: 4
Views: 1014

Re: efile and pay taxes by credit card without ttax fee

You can do a CC payment with request to file an extension through a lower cost processor. The payment itself is a request to file an extension. Then you would record the payment on your tax return. You can then file immediately afterwards, with zero tax due. Thanks, great idea. All 3 processors all...
by dual
Sun Mar 10, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: efile and pay taxes by credit card without turbotax fee
Replies: 4
Views: 1014

efile and pay taxes by credit card without turbotax fee

I noticed that turbotax seems to charge about 0.5% fee above what the 3 IRS approved payment companies charge. e.g. pay1040 charges 1.87% but the charge through ttax is 2.49% https://www.irs.gov/payments/pay-by-debit-or-credit-card-when-you-e-file OK, I'm cheap but on a $1000 payment that's 5 bucks,...
by dual
Sat Mar 09, 2019 7:20 pm
Forum: Personal Consumer Issues
Topic: Recaptcha strategies and tactics
Replies: 20
Views: 1664

Re: Recaptcha strategies and tactics

mbres60 wrote: Sat Mar 09, 2019 4:38 pm I never know if I am supposed to click on the box that just shows a tiny bit of what they are asking for (car, storefront, etc).
From some of the posts, it looks to me like the best approach is: if even a hint, click. And keep on clicking until there is not a tiny bit.
by dual
Sat Mar 09, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Recaptcha strategies and tactics
Replies: 20
Views: 1664

Re: Recaptcha strategies and tactics

I just keep clicking and the photos keep changing and I keep clicking and then they finally let me in. I think most of the time they just give up on me, or I've cycled through all of the photos in their database. So it looks to me like you are in the if in doubt, click camp? I tend to be in the onl...
by dual
Sat Mar 09, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: Recaptcha strategies and tactics
Replies: 20
Views: 1664

Recaptcha strategies and tactics

I've got to admit that I am questioning my humaness :oops: I keep failing the recaptcha tests that are becoming ubiquitous. My latest is being denied paying my taxes by pay1040.com So how about a thread on tactics that (sometimes) work? For example, are you in the if in doubt click it or the only cl...
by dual
Sun Feb 24, 2019 1:59 pm
Forum: Investing - Theory, News & General
Topic: "You're More Internationally Diversified Than You (Probably) Realize"
Replies: 139
Views: 11705

Re: "You're More Internationally Diversified Than You (Probably) Realize"

Thank you for the article Taylor. Why bother indeed. I am 100% invested in the U.S. market and I am very happy with my decision. Same here. I dabbled in an emerging market index fund in the early 2000's and had my head handed to me so I cut my losses and have been 100% US stock market since. And ve...
by dual
Sat Feb 23, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax online - CA state interest exemption
Replies: 3
Views: 467

Re: Turbotax online - CA state interest exemption

For example, if I had $2000 in VBILX interest, the fund has 53% of it's assets in US holdings, so is only 53% of $2000 exempt? I think only 53% is exempt. I entered the exempt amount, (using the actual figure of 78% for the mmkt fund) into box 1a of the Vanguard 1099 in Ttax under forms mode. I the...
by dual
Sat Feb 02, 2019 6:33 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 15293

Re: Ally Bank's nightmarish online reviews -- should I be worried?

All I want to do is simply park about 75K there for at least a year or two, rather than have it sit in a non-FDIC-insured MM fund with a fluctuating yield. If you are just going to park money without having to withdraw/add periodically consider opening an account at a low-cost broker like Fidelity ...
by dual
Tue Jan 29, 2019 2:14 am
Forum: Personal Consumer Issues
Topic: Need help with computer crash!
Replies: 90
Views: 4757

Re: Need help with computer crash!

Look around your town for someone who can help you out. Some possibilities: A senior citizens center Your church your neighborhood association word of mouth with your family and friends There are ways to recover from this. You may lose some documents but you can recover your access to your email and...
by dual
Tue Jan 29, 2019 2:01 am
Forum: Personal Finance (Not Investing)
Topic: More efficient way to move funds from Vanguard to Fidelity?
Replies: 10
Views: 1084

Re: More efficient way to move funds from Vanguard to Fidelity?

Both Vanguard and Fidelity allow you to access your funds in your settlement account as a bank with an ACH transfer. At least for my account Vanguard uses BNY-Mellon and Fidelity uses UMB Bank. Call them to get the ABA number and your bank account number. IIRC Fidelity has the information in your on...
by dual
Sat Jan 26, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5760

Re: Will Medigap plan F become a 'death spiral'?

With Plan F high deductible, the Part B is included in the OOP expenses while Plan N high deductible, if it appears, presumably would not. Arguably this is less coverage. I wonder if the CA birthday rule would allow transfer from FHD to NHD with no medical underwriting? Is there such a thing as N-H...
by dual
Sat Jan 26, 2019 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5760

Re: Will Medigap plan F become a 'death spiral'?

My premium for Plan F with company A was $281.89 a month. My premium with company M for plan G is $133.50 a month for a difference of $148.39. ... At the same time we also switched my wife's insurance from company H to company M her initial premium being $211 a month and now her Premium for Plan G ...
by dual
Fri Jan 25, 2019 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5760

Re: Will Medigap plan F become a 'death spiral'?

Past performance is no guarantee of future results. As these people grow older and sicker who knows what that will mean to future premiums without younger blood coming in to help defray the costs? True, but who knows what will happen to Plan N or other non-F if Medicare-for-all happens. We have to ...
by dual
Thu Jan 24, 2019 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medigap plan F become a 'death spiral'?
Replies: 58
Views: 5760

Re: Will Medigap plan F become a 'death spiral'?

I have a Plan F high deductible. When I was rolling it over to a new provider under the CA birthday rule, the CSR said their premiums have actually been decreasing because of low claims by the holders of the policy. So you need to consider the type of people who were initially in the pool before the...
by dual
Sun Jan 20, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 5979

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Reduxer wrote: Sat Jan 19, 2019 11:00 pm I also purchased Wild Planet Sardines from the bad batch via Amazon in August 2018,
Any identifying information on your batch of Wild Planet sardines?
by dual
Fri Jan 18, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 5979

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Favorite brand is Coles sardines, particularly the 'petite sardines' kind. Try some smoked Riga sprats too Wild Planet Mackerel from Morocco King Oscar's in tomato sauce. I am interested in the stores where you buy these. I did a search for 'Coles' Is that the Coles supermarket chain in Australia?
by dual
Thu Jan 17, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 5979

Re: Wild Planet Sardines quality problem

I have several unopened boxes of Wild Planet sardines at home as emergency reserves for busy times, snow storms, and possible calamities. My sardines in water are processed in Vietnam; the sardines in oil are processed in Thailand and have the code similar to the one you have cited (17 08 26). I ma...
by dual
Wed Jan 16, 2019 1:36 am
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 5979

Wild Planet Sardines quality problem [Review of sardine brands]

I am a sardine junkie and was about to write an irate post that Costco no longer carries Wild Planet sardines when I read this one-star review from July 2018 at Amazon: Ive ordered cases of these sardines from amazon many times the past several years, but the batch I received yesterday was different...
by dual
Sat Jan 12, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Tried applying to Chase You Invest. The website failed repeatedly when entering some personal info:
It looks like this part of our site isn't working right now. Please try again.
Oh well. $200 is right on my threshold for all the fooling around with one of these offers.
by dual
Sat Jan 12, 2019 2:05 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

SlowMovingInvestor wrote: Sat Jan 12, 2019 2:01 pm
dual wrote: Sat Jan 12, 2019 1:22 pm Does anyone know if I can link the CYI to my Chase checking account?
Yes, it's linked. Not sure how long transfers take though. I'm guessing 1 business day ?
Tnx. Transfers between other Chase accounts take place immediately but I am not in a hurry.
by dual
Sat Jan 12, 2019 1:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Chase You Invest (CYI) investment commissions and fees: Stocks and ETFs $2.95 ($100 trades at $0 commission for 1 year for anyone opening and funding a You Invest Trade account) Options not offered Mutual funds $0 Bonds $1 per bond with $10 minimum, $250 maximum Treasuries commission-free Futures no...
by dual
Sun Dec 23, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

Re: targeted Chase Private Client $1250 bonus

I just got a letter offering a $1250 bonus for doing the following Meet with a private client banker at your nearest branch with this letter to upgrade your account to chase private client Within 45 calendar days deposit a total of $250,000 or more in new money to a combination of eligible checking...
by dual
Tue Dec 11, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: IRS on making QCD by check from IRA
Replies: 14
Views: 1116

Re: IRS on making QCD by check from IRA

Vanguard has a very easy to use online feature that enables you to complete a QCD transaction(s). Check is made out to charity and sent to IRA owner for transmittal to charity. Easy Peezy YMMV. I prefer to have more direct control of the process and not to depend on the administrator to get the che...
by dual
Tue Dec 11, 2018 12:28 am
Forum: Personal Finance (Not Investing)
Topic: IRS on making QCD by check from IRA
Replies: 14
Views: 1116

IRS on making QCD by check from IRA

I will be doing qualified charitable distributions by writing a check from my IRA and mailing them to the charity (after I find out from the charity to whom to write the check and verifying that they will send me a letter acknowledging my donation is deductible). This seems much simpler than the alt...
by dual
Sat Nov 03, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 2172

Re: Buying a mini-van

I have owned minivans for many years and I think they're great general purpose vehicles, much more useful than SUVs. You can drive them anywhere you can drive a car. You can use them to haul a lot of passengers or carry a lot of stuff. Just remove or put down the seats and you have a huge cargo spac...
by dual
Wed Oct 24, 2018 1:15 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 9072

Re: Black Friday is coming.. what's on your list?

Sigh, I was remembering the AMEX credit card small business Saturday promotions from years past. We would run all over town buying stuff for just over the rebate limit. I have about 5 AMEX cards and we would get the max number of purchases for each. One of my favorites was hitting the Middle Eastern...
by dual
Fri Oct 19, 2018 1:44 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2480
Views: 407553

targeted Chase Private Client $1250 bonus

I just got a letter offering a $1250 bonus for doing the following Meet with a private client banker at your nearest branch with this letter to upgrade your account to chase private client Within 45 calendar days deposit a total of $250,000 or more in new money to a combination of eligible checking ...
by dual
Tue Oct 16, 2018 6:13 pm
Forum: Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 3357

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

Expected return is zero. Math please. I started some research but too lazy to go further but it is interesting. See https://www.usamega.com/powerball-jackpot.asp The $345 million quoted is for a 30 year annuity with "annually-increasing rate schedule." The cash payout is much less, $199 million. By...
by dual
Sun Oct 14, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2818

Re: Bank lost beneficiary paperwork, says must go through probate

Similar problem occurred in my family. A relative thought his TSP account named a beneficiary. TSP said did not have a record of it. Resulted in several $100K of taxable income for his heir. TSP is a tax differed savings plan so heirs always will pay tax on the drawn out income. Do you mean the rel...
by dual
Sat Oct 13, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2818

Re: Bank lost beneficiary paperwork, says must go through probate

Similar problem occurred in my family. A relative thought his TSP account named a beneficiary. TSP said did not have a record of it. Resulted in several $100K of taxable income for his heir. I am now adding to my end of year activities to verify that my beneficiary designations for all accounts are ...
by dual
Thu Oct 11, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 9072

Re: Black Friday is coming.. what's on your list?

A Windows laptop. The current Windows 7 failed to boot up 1 out of every 4 times. Usage: 1. Log into financial institutes ONLY, no browsing. 2. MS Word. 3. MS Excel. 4. Viewing photos, no editing planned. Hoping fellow BHs will come through with some on-sale heads-up. Check out the small form facto...
by dual
Tue Oct 09, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 148
Views: 20146

Re: Should we stay in Crazytown because there's no where to run?

BTW: Where is crazytown? Are you talking about the bar on Broadway in Nashville? How about a place where Tesla has a market cap of over $52 billion while GM is about $48 billion, Ford is about $40 billion and Fiat-Chrysler $28 billion? I own all those tickers via an index. I've never had a problem ...
by dual
Sun Oct 07, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Faucet filter to remove Chloramine?
Replies: 23
Views: 2288

Re: Faucet filter to remove Chloramine?

Chloramine is notoriously hard to filter so when my city started using it I switched to bottled water and have never looked back. I use it for drinking water and for cooking and it works out to about a gallon a day per person. Sort of a PITA but doable.
by dual
Tue Oct 02, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 148
Views: 20146

Re: Should we stay in Crazytown because there's no where to run?

CaliJim wrote: Tue Oct 02, 2018 10:16 am BTW: Where is crazytown? Are you talking about the bar on Broadway in Nashville?
How about a place where Tesla has a market cap of over $52 billion while GM is about $48 billion, Ford is about $40 billion and Fiat-Chrysler $28 billion?
by dual
Mon Oct 01, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3764

Re: New Apartment, city noise

I am also sensitive to noise and that is a problem in apartments or houses depending on the neighborhood. I have never gotten used to it. I just arrange my lifestyle to minimize noise. I live in a house in quiet neighborhood. Since this is an apartment, you may have to wait it out until your lease i...
by dual
Fri Sep 21, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 8385

Re: My Very First Smartphone — Please Critique This Plan

► Purchase a new unlocked Samsung S9+ phone with 128 GB memory from a big box store for <$800. ► Use a no-contract Consumer Cellular plan with 1GB data/mo. for $25/mo., with the option to bump up the data limit if I find myself needing more. Do you see anything wrong with this plan? Are there any b...