Search found 1381 matches

by AAA
Mon Nov 25, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Fabric protectors
Replies: 1
Views: 196

Fabric protectors

We will be looking to replace a sofa in the near future and I have some concern about the fabric protector that may be used as there have been safety questions about these things in past years. Are there still issues with current products? Are they applied by default in manufacture or can one opt out?
by AAA
Sat Nov 16, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5644

Re: (Sigh) "Wasting" year-old smoke detector batteries...

bhsince87 wrote: Thu Nov 14, 2019 9:10 pm I suspect there's a bit of bias in your response. :happy
Actually, AAA's (batteries) aren't biased, diodes are. :wink:
by AAA
Fri Nov 15, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5644

Re: (Sigh) "Wasting" year-old smoke detector batteries...

bhsince87 wrote: Fri Nov 15, 2019 12:04 pmI was referring to your name!
Oh right - I didn't think of that. Last time that happened was in a thread discussing a certain roadside assistance company.
by AAA
Fri Nov 15, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5644

Re: (Sigh) "Wasting" year-old smoke detector batteries...

bhsince87 wrote: Thu Nov 14, 2019 9:10 pmI suspect there's a bit of bias in your response. :happy
I don't understand your comment (which I take as offered in jest). There's a risk of short circuiting 9V batteries when they are carelessly handled or tossed in the garbage.
by AAA
Thu Nov 14, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5644

Re: (Sigh) "Wasting" year-old smoke detector batteries...

I am not sure why 9V batteries seem to have been largely superseded. My guess is that perhaps integrated circuits will work directly from 3V but that old-fashioned discrete transistor circuits worked better and were easier to design with a higher voltages. Junction transistors versus CMOS, maybe? I...
by AAA
Wed Nov 13, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5644

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Fast forward to one year later. It is fall, and the batteries are two years old. One starts to beep at 2am. House has 10' ceilings. Have to get ladder find package of 9v batteries, climb ladder and put in new one. Back to bed. One hour later detector starts beeping again. Thinking got bad new batte...
by AAA
Tue Nov 12, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: (Sigh) "Wasting" year-old smoke detector batteries...
Replies: 93
Views: 5644

Re: (Sigh) "Wasting" year-old smoke detector batteries...

Don't some organizations even suggest replacing the batteries twice a year? I do it once a year but keep the batteries for other uses as they are usually still good. Recently when we lost power one of our smoke alarms went off. I think it was due to the cold temperature in the house. Maybe if the ba...
by AAA
Tue Nov 12, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare Via Monthly Social Security Distribution
Replies: 6
Views: 770

Re: Paying for Medicare Via Monthly Social Security Distribution

Spouse waited until 66 to collect Soc. Sec. She was paying quarterly Medicare bills until then. When Soc. Sec. started, and without our requesting it, she received a reimbursement for two months of Medicare as premiums for those months were going to be deducted from Soc. Sec. But they withheld tax f...
by AAA
Sat Nov 09, 2019 10:14 am
Forum: Personal Investments
Topic: Vanguard asking for personal financial information
Replies: 16
Views: 1730

Vanguard asking for personal financial information

One of my family members initiated the process to "upgrade" their Vanguard account to the new brokerage format. In the course of doing so, one of the windows that came up said regulations require Vanguard to ask information including annual income and net worth. I found a BH post from a few years ag...
by AAA
Wed Oct 30, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3483

Re: Unnecessary blood tests

Without comment/recommendation/endorsement, I offer the following as a potentially interesting read relevant to this discussion:

Barbara Ehrenreich: Why I’m Giving Up on Preventive Care:
https://www.yesmagazine.org/happiness/b ... e-20180529
by AAA
Mon Oct 28, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2656

Re: Popeyes Chicken Sandwich [is it a good value]

How Healthy Is Popeyes’ New Chicken Sandwich? (Spoiler: It’s Not)
https://www.healthline.com/health-news/ ... r-not-very
by AAA
Sun Oct 27, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Discounts for 2019 version
Replies: 35
Views: 3589

Re: TaxAct Discounts for 2019 version

retired early&luv it wrote: Sun Oct 27, 2019 9:26 amEven the safest option of putting my data on a memory device and not on my hard drive is not very safe if my condo burns down.
Or the memory device could fail. It's usually recommended to keep multiple copies, including one at a remote location.
by AAA
Sun Oct 27, 2019 8:59 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Discounts for 2019 version
Replies: 35
Views: 3589

Re: TaxAct Discounts for 2019 version

It seems most of these tax software vendors have done things to irritate customers. I switched from TurboTax to H&R a few years ago because of some such issues, which at this point are not worth going over. My only complaint about H&R is their advertising over pricing. A couple of years ago, I recei...
by AAA
Wed Oct 16, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Cleaning dehumidifier
Replies: 3
Views: 384

Cleaning dehumidifier

We have a portable dehumidifier that we've used in our basement the past three summers. After the previous two summers, we would clean out the collection container with water and a capful of bleach, as per the recommendation by the manufacturer. This year, there is a layer of yellow sludge at the bo...
by AAA
Wed Oct 09, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Premiums when collecting Social Security benefits
Replies: 7
Views: 1230

Re: Medicare Premiums when collecting Social Security benefits

I didn't follow all of the detail in your post, but will relate what happened to us which I think is relevant. Spouse was going to start collecting Social Security at age 66. She had been paying the Medicare premium quarterly as each bill was received. The last bill covered the month before she was ...
by AAA
Sun Sep 29, 2019 7:27 pm
Forum: Personal Investments
Topic: Question about allocation to stable value fund
Replies: 8
Views: 738

Re: Question about allocation to stable value fund

Let me ask this - as the SVF consists of high quality government, mortgage and corporate bonds, along with the GIC's which I understand are in place to "guarantee" principal and interest, can one conclude that the risk of the SVF is no worse than that of a typical "total bond" fund, and perhaps even...
by AAA
Sat Sep 28, 2019 1:01 pm
Forum: Personal Investments
Topic: Question about allocation to stable value fund
Replies: 8
Views: 738

Re: Question about allocation to stable value fund

This SVF, like all others, is not a publicly traded fund and information is fairly limited so I don't have any further details about it.
by AAA
Sat Sep 28, 2019 9:47 am
Forum: Personal Investments
Topic: Question about allocation to stable value fund
Replies: 8
Views: 738

Question about allocation to stable value fund

A CD recently matured in my Vanguard IRA. This was part of my most conservative asset allocation but I have been reluctant to purchase another CD there because of the low interest rates available (and I want to avoid the hassle of moving it to a new custodian that might have better rates). So I had ...
by AAA
Sun Sep 22, 2019 12:26 pm
Forum: Personal Investments
Topic: Login to SSA.gov is a PAIN but ...
Replies: 9
Views: 1368

Re: Login to SSA.gov is a PAIN but ...

Vanguard sends me security codes before logging in, but usually only the first time I use an un-recognized computer. Subsequent logins from that computer don't require the authentication code. I routinely clear browser history after each Vanguard login so they require the authentication code each t...
by AAA
Sat Sep 07, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3777

Re: Laser or inkjet

You may not be concerned about this, and it may elicit some sarcastic comments, but there is a potential health issue with laser printers emitting toner dust into the air. Seriously, if that doesn’t get you there are x number of other ways that will. A little poison is actually good for your immune...
by AAA
Tue Sep 03, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: What's the most secure way to encrypt a PDF?
Replies: 9
Views: 671

Re: What's the most secure way to encrypt a PDF?

In Mac OS, if you open the pdf with Preview and then select File/Export there is an option to save it as an encrypted file with a password. I'm not sure how good the encryption is. Maybe someone can comment.
by AAA
Fri Aug 30, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3777

Re: Laser or inkjet

You may not be concerned about this, and it may elicit some sarcastic comments, but there is a potential health issue with laser printers emitting toner dust into the air.
by AAA
Fri Aug 23, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: temporary attachment to bathtub faucet?
Replies: 17
Views: 924

Re: temporary attachment to bathtub faucet?

Right, but I have a fixed shower head. I would prefer not to have the existing plumbing messed with. But it sounds like I may have to keep just dumping mugs of water on the tub, since the temporary ones don't seem to work, according to the reviews and replies above, as one would like. Here's a shor...
by AAA
Fri Aug 23, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: temporary attachment to bathtub faucet?
Replies: 17
Views: 924

Re: temporary attachment to bathtub faucet?

Maybe I'm not understanding what you are asking, but we have a typical detachable shower head on a hose and I use it to rinse off the soap from all parts of the tub after cleaning it.
by AAA
Tue Aug 20, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1399

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

I guess it comes down to personal preference. In my case, I like to sit down with someone face to face to do these things. I made an appointment with Social Security and brought the required documents when I applied for Soc. Sec. and Medicare. Also, at my spouse's appt. to sign up for Medicare, the ...
by AAA
Thu Aug 15, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3647

Re: Dishwasher Fiasco

I am very surprised that people here are telling someone without any electrical experience to do that work themselves.
by AAA
Tue Aug 13, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11913

Re: Healthy fast food

As was previously mentioned, look at Asia. If it is toxic, where are the bodies in the streets? If Asians eat a lot of MSG and are overall healthier than Americans, it's not logical to conclude that MSG is okay to eat. It could just mean that their overall diet is much healthier than Americans so t...
by AAA
Mon Aug 12, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11913

Re: Healthy fast food

sschoe2 wrote: Mon Aug 12, 2019 8:03 pm MSG is monosodium glutamate. It is just the amino acid glutamate with a sodium counter ion.
Is that like saying that H2O2 is just water with an extra oxygen atom?
by AAA
Sun Aug 11, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11913

Re: Healthy fast food

Restaurant food is designed to attract and retain customers. As such, the levels of fat, salt and sugar are usually quite high. It's also designed to maximize profit, so the quality in many cases is low i.e. white bread, white rice, preservatives, etc.
by AAA
Sun Aug 11, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11913

Re: Healthy fast food

As Chick-Fil-A was suggested here as a healthy alternative, I without comment and for information present the ingredients of their Nuggets, as listed on their website: Chicken (boneless, skinless chicken breast meat nuggets, seasoning [salt, monosodium glutamate, sugar, spices, paprika], seasoned co...
by AAA
Thu Aug 08, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Money Market and CD rates - what does it mean?
Replies: 8
Views: 919

Re: Money Market and CD rates - what does it mean?

ohai wrote: Thu Aug 08, 2019 1:05 pm It just means short term rates are higher than 5y rates... What that implies and whether that is important is orthogonal to your question.
As I am asking what the rates are telling us, "what that implies" is colinear to my question.
by AAA
Thu Aug 08, 2019 12:38 pm
Forum: Investing - Theory, News & General
Topic: Need help understanding Dividend and Capital Gains
Replies: 13
Views: 954

Re: Need help understanding Dividend and Capital Gains

If the company decides to pay 3$ dividend per share, you will receive 300$ for your 100 shares. And that after the distribution the share will now be worth 97$. You will now own 9700$ in shares and have 300$ cash. Then what is the advantage of receiving the dividend? Why invest in funds that have h...
by AAA
Thu Aug 08, 2019 11:45 am
Forum: Investing - Theory, News & General
Topic: Money Market and CD rates - what does it mean?
Replies: 8
Views: 919

Money Market and CD rates - what does it mean?

I notice at this time that Vanguard's Federal and Prime MM funds are currently yielding about 2.2%, which is higher than even the best 5 year CD being offered. I know that no one can predict future interest rates. But I think this is a somewhat unusual situation and would like to know what it's tell...
by AAA
Wed Aug 07, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 630

Re: Question about rental lease agreement

I'm not sure of all you are asking. The first lease was for a one year term, no mention of month-to-month. The new lease is not the same with just a change of dates. There is a new paragraph right up front explicitly saying it is month-to-month starting July 1, 2019. The landlord is pointing out, h...
by AAA
Wed Aug 07, 2019 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 630

Re: Question about rental lease agreement

Questions: 1. Tenant has occupied rental for over 1 year? What the lease when he lst moved in a 1 year lease? 2. "Current" lease begins July 1, 2019. It is a 1 year lease "SIGNED and/or INITIALED" next to date changes by "both parties", or just the landlord? 3. Is the "Current" lease an edited copy...
by AAA
Wed Aug 07, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 630

Re: Question about rental lease agreement

adamthesmythe wrote: Wed Aug 07, 2019 1:34 pm The entire lease as a whole needs to be read carefully.
That should apply to the landlord as well as the tenant. It would seem landlord should be responsible for correcting any mistakes or contradictory terms.
by AAA
Wed Aug 07, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 630

Re: Question about rental lease agreement

To get the facts straight - he/she moved into this rental residence just last month - and now plans to move out soon, right? Did he/she specifically have this moving out possibility in mind when moving in? This was a renewal lease. He did not just move in. Somewhere is the lease, there is probably ...
by AAA
Wed Aug 07, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Question about rental lease agreement
Replies: 12
Views: 630

Question about rental lease agreement

Someone I know who is renting has made plans to move out for various reasons. At the beginning of the current lease agreement it says that it is to commence on July 1, 2019 and be month-to-month until either the tenant or the landlord gives appropriate notice. That is the clause that he was relying ...
by AAA
Thu Aug 01, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7434

Re: Automatic Watches - Update

In case anyone is still following this thread, I just wanted to update my experience with the Seiko 5 as the reason for starting this thread was concern about its accuracy. Upon receiving the watch one week ago, I set the hour and minute hands by the display on my phone as the second hand does not s...
by AAA
Tue Jul 30, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5636

Re: Capital One data breach

Well, I guess my thinking goes this way: 1. Institution that has my cable account has an automatic transaction to pull from my checking account setup. 2. Institution gets compromised and they now have my account access. 3. They (bad guys) do a pull for the current balance. They (bad guys again) do ...
by AAA
Tue Jul 30, 2019 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Capital One data breach
Replies: 56
Views: 5636

Re: Capital One data breach

As a huge user of CapitalOne credit cards and a user of their savings products, I am definitely concerned. I know it won't do anything, but I will use Chase products more and CapitalOne products less because of this breach. Isn't it just a matter of time before every company is affected in this way?
by AAA
Mon Jul 29, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4474

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

It really depends on how the Airport is configured. If it is simply acting as a WiFi gateway, with the Fios modem as the primary router for your network, then it offers no additional security from inside your network. If it creates its own network, then it may provide some additional protection by ...
by AAA
Sun Jul 28, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4474

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

While we're on the topic, I would like to ask a question - I have a FIOS modem but usually it's "radio" (WiFi) is turned off as I use an Apple Airport basestation that is connected to one of its ethernet ports. I have some WiFi cameras that were set up to be on the Fios WiFi. Before I go out I enabl...
by AAA
Sat Jul 20, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries at Marcus/GS Bank? (Cannot specify percentages or primary/secondary).
Replies: 8
Views: 755

Re: Beneficiaries at Marcus/GS Bank? (Cannot specify percentages or primary/secondary).

It appears these things are to a large extent up to the institution and are not done the same everywhere. For instance, Vanguard does not allow beneficiaries to be specified on joint accounts. I don't know why - maybe someone here does. I can do so at other places.
by AAA
Thu Jul 18, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7434

Re: Automatic Watches

After further consideration, I decided to get a Seiko 5 automatic. If my current quartz ever stops working, it will probably be replaced with an Eco-Drive.

I appreciate all the input.
by AAA
Thu Jul 18, 2019 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Explaining the magic of compound interest to teenagers
Replies: 107
Views: 7138

Re: Explaining the magic of compound interest to teenagers

The example of doubling a penny every day for a month is instructive but 100% daily interest is not very realistic.

How about an example of starting with $1000 and getting 5% simple interest vs. 5% compound interest every year. After 20 years, you end up with $2000 vs. $2653, respectively.
by AAA
Thu Jul 11, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7434

Re: Automatic Watches

Those of you not interested in making a statement, but at the same time celebrating their Star Wars themed electronic watch for being off one second per month: Your cellphone always shows the exact time, therefore you don't need a watch. And you are indeed making a statement, although you might be ...
by AAA
Thu Jul 11, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7434

Re: Automatic Watches

Then an automatic watch is not for you. I dealt with Quartz for many, many years. I got tired of replacing the battery every couple of years. (yes, it gets tiring). And people are questioning my reluctance to adjust a watch once a week! :wink: But I know what you mean. But, I didn't like the accura...
by AAA
Thu Jul 11, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7434

Re: Automatic Watches

open_circuit wrote: Thu Jul 11, 2019 9:19 am Another vote for a Seiko 5 if you want an inexpensive automatic with a good movement to get started. I have had one for many years and quite like it.
How often do you adjust the time?
by AAA
Thu Jul 11, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 7434

Re: Automatic Watches

What exactly do you do that requires accuracy to within 1 minute per week? Should I forget to adjust the watch periodically, I could find myself rushing to the station to catch the 10:05 train only to find out that it left 2-3 minutes ago. I'm not interested in the watch as jewelry or to make a sta...