Search found 1381 matches

by AAA
Tue Jan 28, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Tipping advice
Replies: 40
Views: 3456

Re: Tipping advice

why does everyone get a tip for "doing their job"? I don't get to have a tip jar at my desk at work and every time I do what I am supposed to do, boss has to drop a $20 in it. I asked that this thread not get into a discussion of "should I tip?" but for the future I now know that's apparently not p...
by AAA
Tue Jan 28, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: Tipping advice
Replies: 40
Views: 3456

Re: Tipping advice

why does everyone get a tip for "doing their job"? I don't get to have a tip jar at my desk at work and every time I do what I am supposed to do, boss has to drop a $20 in it. I asked that this thread not get into a discussion of "should I tip?" but for the future I now know that's apparently not p...
by AAA
Tue Jan 28, 2020 8:52 am
Forum: Personal Consumer Issues
Topic: Toy overload alternatives for grandparents
Replies: 104
Views: 5806

Re: Toy overload alternatives for grandparents

Some grandparents think it's their job to spoil their grandkids. This not only involves buying them toys you may not want but also plying them with excessive sweets you may not want them to have. I don't have any easy answer as it depends a lot on the particular personalities involved and I was not ...
by AAA
Tue Jan 28, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Tipping advice
Replies: 40
Views: 3456

Re: Tipping advice

Cubicle wrote: Tue Jan 28, 2020 1:31 am
AAA wrote: Sun Jan 26, 2020 8:15 pmBut I said no discussion on whether to tip and I'm sure that will be respected by my fellow Bogleheads. :wink:
Are you new here?
With over 1200 posts, no. But maybe I'm naive.
by AAA
Mon Jan 27, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3252

Re: Credit Karma says someone added me as an authorized user on their card

https://www.annualcreditreport.com/manualRequestForm.action I wasn't aware of such a form. Is it a relatively recent thing? annualcreditreport.com has been available since 2005. https://en.wikipedia.org/wiki/AnnualCreditReport.com Marylander1 From the link you provided: "AnnualCreditReport.com requ...
by AAA
Sun Jan 26, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Tipping advice
Replies: 40
Views: 3456

Re: Tipping advice

TallBoy29er wrote: Sun Jan 26, 2020 7:56 pm Now you've done it. You've opened a thread about tipping. Prepare for all the comments you want, and didn't want, in the next few days.
But I said no discussion on whether to tip and I'm sure that will be respected by my fellow Bogleheads. :wink:
by AAA
Sun Jan 26, 2020 7:53 pm
Forum: Personal Consumer Issues
Topic: Tipping advice
Replies: 40
Views: 3456

Tipping advice

I was curious for some advice from the tippers out there. I'm not seeking opinions on whether to tip, so let's not get into that whole other recurring discussion. Typically for delivery and installation of something that takes some effort, like a refrigerator, I will tip $10 to $20. Recently, I had ...
by AAA
Sun Jan 26, 2020 7:50 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 167
Views: 12432

Re: Cybersecurity and passwords

In theory no, your data can be recovered if you simply delete it. To really get rid of it you need to use a program that over writes the space where the data resided on your hard drive. Deleting the file does not remove the data, only the file pointer. However encrypt your hard drive and this becom...
by AAA
Sun Jan 26, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Credit Karma says someone added me as an authorized user on their card
Replies: 30
Views: 3252

Re: Credit Karma says someone added me as an authorized user on their card

Also request your credit reports from the three companies using this form. It is free: https://www.annualcreditreport.com/manualRequestForm.action When you get the reports, check them carefully for any unusual activity. I wasn't aware of such a form. Is it a relatively recent thing? And will this w...
by AAA
Sun Jan 26, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 167
Views: 12432

Re: Cybersecurity and passwords

Did you mean Microsoft 2010 Word and Excel? Is Microsoft continuing to do security updates for this version? If not, I would delete them. I also have a distrust of password managers, whether justified or not. One option might be to store your passwords in a file on an encrypted USB flash drive (with...
by AAA
Sat Jan 25, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Transfer on Death (TOD) for Vanguard Money Market Prime Account
Replies: 23
Views: 1314

Re: Cannot Transfer on Death (TOD) for Vanguard Money Market Prime Account

Did you not enter a beneficiary when you open a Morgan Stanley IRA. My experience is for retirement accounts, they want you to enter this info when you open an account. Retirement accounts are different in that there is always a single owner and yes, one is usually encouraged (required?) to specify...
by AAA
Sat Jan 25, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Transfer on Death (TOD) for Vanguard Money Market Prime Account
Replies: 23
Views: 1314

Re: Cannot Transfer on Death (TOD) for Vanguard Money Market Prime Account

If it is a joint account AND you are the primary account holder you can remove the secondary joint account holder then add a TOD beneficiary. At least that was the case for a banking account for which I was the secondary account holder. I checked this out because I wanted to assure the primary acco...
by AAA
Sat Jan 25, 2020 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Transfer on Death (TOD) for Vanguard Money Market Prime Account
Replies: 23
Views: 1314

Re: Cannot Transfer on Death (TOD) for Vanguard Money Market Prime Account

?? Isn't it a legal matter for a joint account ?? Regardless of whether or not some other brokerage allows you to name a TOD beneficiary, when one owner of a joint account dies, the other owner becomes the sole owner (after presenting the death certificate). The big difference being that the joint ...
by AAA
Fri Jan 24, 2020 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Incorrect Social Security tax withholding
Replies: 5
Views: 732

Re: Incorrect Social Security tax withholding

dratkinson wrote: Fri Jan 24, 2020 1:49 am Similar situation. One month overlap. The over payment was returned. Only one SSA-1099 received. Remember all being correct in the end.
Overlap returned with tax withheld?
by AAA
Thu Jan 23, 2020 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Incorrect Social Security tax withholding
Replies: 5
Views: 732

Incorrect Social Security tax withholding

My spouse started collecting Soc. Sec. in 2019, one month after a quarterly Medicare premium was paid. As Part B premiums are deducted from Soc. Sec. there was a two month premium overlap/overpayment of $271. Without any action on our part, Soc. Sec. refunded the premium overpayments but withheld fr...
by AAA
Tue Jan 21, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2019 1099-INT Account Numbers
Replies: 7
Views: 826

Re: H&R Block 2019 1099-INT Account Numbers

vtMaps wrote: Mon Jan 20, 2020 7:57 pmBy the way, the reason I paper file is because I want to know exactly what is being sent to the IRS. In the past I have seen (relatively minor) discrepancies in what HR Block shows on screen and what it prints out. If I were to e-file, I would have no idea exactly what was submitted.
+1
by AAA
Fri Jan 17, 2020 9:33 pm
Forum: Personal Investments
Topic: FDIC Insurance Rules Update
Replies: 24
Views: 3655

Re: FDIC Insurance Rules Update

I seem to recall always having to provide Social Security numbers for my children when naming them as beneficiaries.

I think in general that this is actually useful as it uniquely identifies the beneficiary.
by AAA
Thu Jan 16, 2020 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Higher levels of security
Replies: 23
Views: 2508

Re: Higher levels of security

Vanguard has two options - I chose this one: "Only when Vanguard doesn't recognize my computer or device. During logon, you have the option for us to remember (or recognize) the computer or device that you're using to access your accounts. What is it about the computer that Vanguard is remembering/...
by AAA
Wed Jan 15, 2020 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Higher levels of security
Replies: 23
Views: 2508

Re: Higher levels of security

Vanguard has two options - I chose this one: "Only when Vanguard doesn't recognize my computer or device. During logon, you have the option for us to remember (or recognize) the computer or device that you're using to access your accounts. What is it about the computer that Vanguard is remembering/...
by AAA
Wed Jan 08, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Medical Billing, is this typical?
Replies: 51
Views: 5030

Re: Medical Billing, is this typical?

Were all of these tests done at the doctor's own clinic or using outside resources?
by AAA
Fri Jan 03, 2020 9:57 am
Forum: Personal Consumer Issues
Topic: Is volunteering worth the hassle?
Replies: 98
Views: 8533

Re: Is volunteering worth the hassle?

If you find people annoying, volunteer at the animal shelter! It doesn’t work — there are people there. Ha - that's what I was going to say. I did this for a while but eventually stopped for various reasons which, from what I hear, are somewhat common at these places. Unfortunately, politics are no...
by AAA
Thu Dec 26, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: My tax preparer died -- questions about tax software
Replies: 13
Views: 1231

Re: My tax preparer died -- questions about tax software

I always thought that CPA types used more professional software, not the typical consumer products.
by AAA
Thu Dec 26, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Anti Virus?
Replies: 36
Views: 2149

Re: Anti Virus?

Windoze's = Nothing but trouble. Mac user since 1984. Long time Mac user here who also in recent years has combined a Mac laptop with a Windows desktop that I use for heavy crunching. I do prefer MacOS but the prices for heavy crunching Mac machines are too high in my opinion compared to what you c...
by AAA
Thu Dec 26, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Anti Virus?
Replies: 36
Views: 2149

Re: Anti Virus?

I use Windows and Mac. On the PC I was advised to just stick with the built-in Defender for anti-virus. I also have the free version of Malwarebytes and run it occasionally. I'm not sure if there is overlap between the two but I believe they don't interfere with each other as a separate anti-virus p...
by AAA
Sat Dec 21, 2019 12:59 pm
Forum: Personal Investments
Topic: Drop in fund values on dividend day.
Replies: 12
Views: 1144

Re: Drop in fund values on dividend day.

So Friday evening (edited) I log on my Schwab.com account to confirm that my weekly wages got deposited, and I see a major drop in my total account value, even though the markets were up today. "OMG....we've been hacked!" Then, oh wait, must be mutual fund dividends got declared or what ever they c...
by AAA
Thu Dec 19, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Lingering paint odor
Replies: 35
Views: 2108

Re: Lingering paint odor

Nestegg_User wrote: Thu Dec 19, 2019 6:55 pm well, this thread is as boring as watching paint dry :oops:
But not as smelly. :wink:
by AAA
Thu Dec 19, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: Lingering paint odor
Replies: 35
Views: 2108

Re: Lingering paint odor

I painted an old cast iron radiator which needed an oil based enamel paint. Talk about smelly. Shut door, put fans blowing out the windows, checked w/ a piece of paper under the door gap that the room was drafting out (important!) and ran heat full blast. How long did it take for the smell to dissi...
by AAA
Wed Dec 18, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Lingering paint odor
Replies: 35
Views: 2108

Re: Lingering paint odor

I have done interior latex painting over the years and never had this problem. I really dislike strong smells. Now I'm wondering if paint formulations have changed since I last did interior painting decades ago and that's causing this. I last painted years ago and also don't recall the odor lingeri...
by AAA
Tue Dec 17, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Lingering paint odor
Replies: 35
Views: 2108

Re: Lingering paint odor

RickBoglehead wrote: Tue Dec 17, 2019 9:08 am
AAA wrote: Tue Dec 17, 2019 9:06 am
RickBoglehead wrote: Mon Dec 16, 2019 9:46 pm Ignore it?
Thanks, but I think I will ignore your recommendation.
In several weeks you won't notice anything.
"Several weeks" is the issue.
by AAA
Tue Dec 17, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Lingering paint odor
Replies: 35
Views: 2108

Re: Lingering paint odor

RickBoglehead wrote: Mon Dec 16, 2019 9:46 pm Ignore it?
Thanks, but I think I will ignore your recommendation.
by AAA
Mon Dec 16, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Lingering paint odor
Replies: 35
Views: 2108

Lingering paint odor

We painted a small room with interior latex paint over two weeks ago. While the odor has diminished over time, it is still noticeable. There are two windows in the room. Many days I will have opened both for several hours. I have even used a fan to blow air out one of the windows and draw fresh air ...
by AAA
Wed Dec 11, 2019 10:14 am
Forum: Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 28
Views: 1703

Re: Not getting transaction confirmation emails

Those are the "alert" emails if you have them turned on. They alert you to changes in your account such as sales, purchases, change of bank, etc. These are things that if you did not initiate them, you would want to know about it immediately. Okay, but maybe there should be an option to just get an...
by AAA
Tue Dec 10, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: Purchasing a drone
Replies: 25
Views: 2369

Re: Purchasing a drone

I considered getting one but realized several things. First, there are very few places that I could actually fly it. There's a large park near me but they are explicitly forbidden there. I assume the same for other places such as school athletic fields, etc. Second, while I could fly it in my backya...
by AAA
Tue Dec 10, 2019 7:40 pm
Forum: Personal Investments
Topic: Not getting transaction confirmation emails
Replies: 28
Views: 1703

Re: Not getting transaction confirmation emails

Speaking of emails from Vanguard (and others), does anyone else object to having detailed information there, such as "you purchased $25,000 of XYZ?" Don't many email providers scan emails for various reasons? This seems like unnecessary use of confidential information. I've contacted Vanguard about ...
by AAA
Sat Dec 07, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: "Collecting" Social Security Six Times Over Today, Makes Me Wonder
Replies: 18
Views: 3274

Re: "Collecting" Social Security Six Times Over Today, Makes Me Wonder

Clearly, every one beyond the first was some misfiring within SSA software/programming. What makes me nervous, if this is happening, what other flaws might be lurking in their system.....?????? I agree with your concern but it's of course not just limited to SSA or the government. Many of us have p...
by AAA
Sat Dec 07, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Patent incentive
Replies: 51
Views: 3091

Re: Patent incentive

I once attended the talk of someone who worked at a large, well-known company. During his talk, he was asked what employees there get for filing a patent. He said they get a nominal $1 as "consideration." The questioner remarked that a friend of his at another company didn't get anything, to which t...
by AAA
Fri Dec 06, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Eyeglasses: Warby Parker or Costco?
Replies: 33
Views: 4187

Re: Eyeglasses: Warby Parker or Costco?

mtmingus wrote: Fri Dec 06, 2019 11:47 amMy vision insurance doesn't cover much and costco doesn't take it.
After purchasing glasses at Costco last year, I realized that my Medicare Advantage plan had some coverage for glasses. I contacted the provider and after sending them the receipt they paid me.
by AAA
Fri Dec 06, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Eyeglasses: Warby Parker or Costco?
Replies: 33
Views: 4187

Re: Eyeglasses: Warby Parker or Costco?

I would checkout Zenni Optical online. You can get complete lens/frame for less than $50. I've had mixed luck with Zenni. The glasses themselves are fine and fit without adjustment for two family members. For two other members, they needed adjustment. You can try to adjust them yourself, but unless...
by AAA
Tue Dec 03, 2019 8:38 pm
Forum: Personal Investments
Topic: Vanguard, RMD's and Taxes
Replies: 23
Views: 2531

Re: Vanguard, RMD's and Taxes

I arranged my RMD over the phone with Vanguard. I told them where to take it from, where it should go and how much tax to withhold. It only took a few minutes.
by AAA
Mon Dec 02, 2019 8:28 am
Forum: Personal Investments
Topic: Will artificial intelligence reduce the cost for long-term care?
Replies: 68
Views: 3359

Re: Will artificial intelligence reduce the cost for long-term care?

Think about how low of IQ you need to be able to drive and how disruptive it will be if cars are able to do it. I don't know exactly what IQ measures, but it seems to me that a lot of brain power is needed to be able to drive and maybe we just don't always realize it. You are constantly encounterin...
by AAA
Mon Dec 02, 2019 8:18 am
Forum: Personal Investments
Topic: Will artificial intelligence reduce the cost for long-term care?
Replies: 68
Views: 3359

Re: Will artificial intelligence reduce the cost for long-term care?

As far as this being a nightmare of a future, which case do you want for your loved ones a) you are dependant on waiting for someone to come and move you to the bathroom, feed your, or to take you to visit a friend. You are the mercy of their availability b) if you want to go to the bathroom, eat a...
by AAA
Sun Dec 01, 2019 11:16 am
Forum: Personal Investments
Topic: Will artificial intelligence reduce the cost for long-term care?
Replies: 68
Views: 3359

Re: Will artificial intelligence reduce the cost for long-term care?

I think the accomplishments and promises of AI are exaggerated to begin with and I don't understand how it could be used in long-term care.
by AAA
Sat Nov 30, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Credit freezes
Replies: 35
Views: 2492

Re: Credit freezes

See PL 115-174 (2018) which supersedes PA law. Which PA statue are you referring to? I checked out the federal law you referenced and it contains the following language: (3) Removal of security freeze.-- ``(A) In general.--A consumer reporting agency shall remove a security freeze placed on the con...
by AAA
Fri Nov 29, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: Credit freezes
Replies: 35
Views: 2492

Re: Credit freezes

criticalmass wrote: Fri Nov 29, 2019 12:44 pmPermanent credit freeze requests are permanent (or until you remove the freeze), no matter what state you live in at the moment.
I can't argue with that, but for PA residents they are not permanent, just valid for seven years.
by AAA
Fri Nov 29, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: Credit freezes
Replies: 35
Views: 2492

Re: Credit freezes

When Pennsylvania passed a law mandating that the bureaus allow freezes for its citizens, it stipulated a period of seven years for the freeze. Legislation has been under consideration to change that to permanent, but it appears to be languishing in the legislature for several years. I am wondering,...
by AAA
Wed Nov 27, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 254
Views: 34866

Re: Man’s life savings stolen from hijacked cellphone number

midareff wrote: Sun Apr 28, 2019 8:29 am Maybe I'm too old fashioned. Home computers are for financial transactions. Cell phones are for calls and email and contain no financial information.
My thoughts exactly, but I don't even do email on them although I realize for some it is necessary.
by AAA
Wed Nov 27, 2019 8:30 pm
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10565

Re: Urge Vanguard to support better two-factor authentication

With Fidelity I use the Symantec VIP application on my computer for two-factor authentication. I like that it doesn't require having a physical device to work. How does that compare to SMS or Yubikey? Vanguard sometimes makes me wonder - they are a huge company yet they seem to be stubborn about cer...
by AAA
Wed Nov 27, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: Cheap PC for Turbo Tax?
Replies: 5
Views: 660

Re: Cheap PC for Turbo Tax?

I'd be leery of buying a used PC unless from a credible source - it could contain spyware - especially as you will need to connect to the internet to get TT updates.
by AAA
Tue Nov 26, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Keyboard issues with a new Mac Air
Replies: 10
Views: 715

Re: Keyboard issues with a new Mac Air

I was in a similar situation and bought a new MB Pro a few months ago. I also purchased a keyboard cover, GhostCover by Uppercase, specifically designed for this keyboard to hopefully keep dirt out. It is very thin and doesn't interfere with typing. But 90% of the time I have the laptop sitting on a...