Search found 1381 matches

by AAA
Mon Aug 03, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9510

Re: Paying cash for a new car... should I let them run my credit?

If your credit is frozen, how bad is it to give out your social security number...to a supposedly honest business? The business may be honest but how secure is their computer system? Major corporations with large IT departments get hacked so I wouldn't have much confidence in a car dealership's sec...
by AAA
Sun Aug 02, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9510

Re: How bad are credit checks?

hudson wrote: Sun Aug 02, 2020 1:44 pm How big of a deal is it when a dealer checks your credit? It doesn't dip down that bad does it?...Bottom Line, Are credit scores over-rated?
It's not just a matter of credit score to some people. Why give your Soc. Sec. number to someone and let them look into your business for no reason?
by AAA
Sun Aug 02, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9510

Re: Paying cash for a new car... should I let them run my credit?

A while back, we were at a dealership on a Friday and agreed on a car and price. We were paying cash and I said we'd be back on Monday with the check. They told us to take the car anyhow, which we did, and we returned Monday with the check. I thought at the time that was quite unusual. More recently...
by AAA
Sat Aug 01, 2020 12:18 pm
Forum: Personal Investments
Topic: Is it possible to disable online access to Vanguard?
Replies: 53
Views: 3567

Re: Is it possible to disable online access to Vanguard?

I want all electronic access and preferably phone access fully disabled with the only way to access my account via going to physical location or going through public notary or some other secure way. I'm not sure there are physical locations for customers. If so, they are few and far between. In any...
by AAA
Thu Jul 30, 2020 8:10 pm
Forum: Personal Consumer Issues
Topic: Anyone study math, physics or science for fun?
Replies: 54
Views: 4176

Re: Anyone study math, physics or science for fun?

I would suggest checking out online forums, e.g., Physics Stack Exchange, Mathematics Stack Exchange, etc. While many of the questions can be somewhat advanced, there are often discussions of basic ideas that can increase your intuitive understanding of these subjects.
by AAA
Sun Jul 26, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Advice from retirees: do you need a project or do you 'play it by ear'?
Replies: 36
Views: 2402

Re: Advice from retirees: do you need a project or do you 'play it by ear'?

Let's not also forget that if you are lucky retirement can bring the opportunity for idleness. Being able to do nothing is a luxury, in moderation of course. To me it would be perfectly okay to turn down a request without having what might be considered a legitimate reason i.e. another task at hand.
by AAA
Sat Jul 25, 2020 10:59 am
Forum: Personal Investments
Topic: What do you do with statements?
Replies: 13
Views: 1083

What do you do with statements?

It's generally a good idea to periodically check brokerage and bank statements but do you also download them? If the latter, is it to have the information readily available or is there some thought that they might be used to prove account holdings should a major systems disruption occur? I'm wonderi...
by AAA
Thu Jul 16, 2020 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7278

Re: Give new doctor a SSN?

I would ask them why they are asking for the Soc. Sec. number and express my concern about revealing it. A lot of times these places are using old forms and they may not still need it. We once bought a car and the salesman's screen had an input for Soc. Sec. number which didn't make sense as we were...
by AAA
Sun Jul 12, 2020 10:52 am
Forum: Personal Finance (Not Investing)
Topic: IRS Direct Pay - Identity Verification Problems??
Replies: 22
Views: 1153

Re: IRS Direct Pay - Identity Verification Problems??

Related to this - Last month I tried a few times to get an Identity Protection (IP) PIN and got through all of the identity checking (they use Experian and I unfroze my file). Then the last step is to provide a mobile phone number as mailing of the PIN is not available at this time and it always fai...
by AAA
Mon Jul 06, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Verizon Wireless hassle!
Replies: 40
Views: 4249

Re: Verizon Wireless hassle!

My Verizon Wireless bill is automatically withdrawn from my bank checking account each month. They send advanced notice of the withdrawal and then confirmation after the withdrawal. I recently renewed my Verizon FIOS plan and got a small additional monthly discount by switching the auto pay from a c...
by AAA
Sun Jul 05, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Just read my first book cover to cover....thanks!!
Replies: 15
Views: 2316

Re: Just read my first book cover to cover....thanks!!

I read How to Stop Worrying and Start Living many years ago and vaguely remember even then that Carnegie had some outdated notions about things. But putting that aside, I did find the book helpful.
by AAA
Sun Jul 05, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?
Replies: 28
Views: 3109

Re: Lender is asking for 5 months of Property Taxes and Homeowner's Insurance. Is this normal?

nps wrote: Sat Jul 04, 2020 7:22 amOr ask your lender to waive escrow and pay it yourself.
Years ago, my mortgage company was delinquent in paying one of my real estate taxes so I requested that I pay these myself. They refused.
by AAA
Fri Jul 03, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 17329

Re: Which College degrees are worthwhile?

This seems to be common specifically in tech and programming that you need to be passionate? Any idea why this is? You hardly hear it about any other jobs/ careers e.g you don't say people need to be passionate to become a plumber, accountant, lawyer, engineer etc. I hadn't heard that, but can spec...
by AAA
Mon Jun 29, 2020 8:05 am
Forum: Forum Issues and Administration
Topic: Notification doesn't go away
Replies: 6
Views: 1181

Re: Notification doesn't go away

Yukon wrote: Mon Jun 29, 2020 5:16 am Under notifications do you select "see all" and scroll thru all of them....I bet it's an old one still open.
I think that was it. Thanks.

And thanks LadyGeek for those instructions that could prove useful some other time.
by AAA
Sat Jun 27, 2020 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Which College degrees are worthwhile?
Replies: 248
Views: 17329

Re: Which College degrees are worthwhile?

Employment in computer science has and continues to skyrocket. Common objections are: It's concentrated in a small number of HCOL areas It's vulnerable to offshoring You need to work 60-80 hour weeks to be successful The number of six-figure jobs in CS are small You have to attend an elite school t...
by AAA
Fri Jun 26, 2020 2:19 pm
Forum: Forum Issues and Administration
Topic: Notification doesn't go away
Replies: 6
Views: 1181

Notification doesn't go away

I am subscribed to a thread in the Personal Finance (Not Investing) forum. When I open my browser (Safari) and come to the forums, I have a notification (the number 1 in a red circle next to Notifications) for a post in this thread. I click on the notification to take me to the post. All well and go...
by AAA
Sun Jun 21, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 3559

Re: Tipping Tree Trimming

What do you mean by "tree trimming?" The real deal, 4 helmet-wearing guys. One nimble dude climbs to the top of the tree; hanging from there, one hand on the chainsaw, the other on the crucifix. That's how it's done but not what it is. Are you trimming branches or reducing the height of the trees?
by AAA
Sun Jun 21, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Tipping Tree Trimming
Replies: 62
Views: 3559

Re: Tipping Tree Trimming

What do you mean by "tree trimming?"
by AAA
Thu Jun 18, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 135
Views: 16181

Re: Capital One is at it again

MM account was highest until they created they "new" Performance Savings account. Since then MM account has always had a worse rate. Many (probably most) existing customers don't pay close attention to this stuff and so didn't switch, so this was an easy way for Capital One to pay less interest to ...
by AAA
Tue Jun 16, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 596

Re: Pocket Key Case

Jack FFR1846 wrote: Mon Jun 15, 2020 11:00 am How many keys do you need to carry?
2
by AAA
Tue Jun 16, 2020 9:39 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 596

Re: Pocket Key Case

CABob wrote: Mon Jun 15, 2020 10:57 am Do you really need the case? Why not just a ring with the key fob and a couple of keys on it?
I don't want to get poked by sitting on a key.
by AAA
Mon Jun 15, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Pocket Key Case
Replies: 6
Views: 596

Pocket Key Case

I need a key case that will hold my car key fob and a couple of keys. It shouldn't be this difficult to find, but after my current one broke recently I've had trouble searching for a new one. I don't like the ones with the row of little key loops as these have not proved reliable in the past. Someth...
by AAA
Sat Jun 06, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 6108

Re: To what Broadband Speeds do you Subscribe and Why?

We have 100/100 which is the lowest tier Verizon offers in my area. There are also 300/300 and 1000/1000 tiers. I have Verizon also and find the up is usually much slower than the down. Do you usually get equal rates up and down? I actually find the up is like 120 and the down is in the 95-99 range...
by AAA
Sat Jun 06, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 6108

Re: To what Broadband Speeds do you Subscribe and Why?

Jags4186 wrote: Thu Jun 04, 2020 2:48 pm We have 100/100 which is the lowest tier Verizon offers in my area. There are also 300/300 and 1000/1000 tiers.
I have Verizon also and find the up is usually much slower than the down. Do you usually get equal rates up and down?
by AAA
Fri May 29, 2020 9:10 am
Forum: Personal Investments
Topic: What to do when bank CD rate is much lower than promised?
Replies: 19
Views: 1900

Re: What to do when bank CD rate is much lower than promised?

A while back my local institution was promoting a very good CD rate. I set up a transfer of funds from Vanguard into my savings account there. Unlike your experience, the transfer only took two days. But, like your experience, on the very day the funds arrived in my savings account, the institution ...
by AAA
Tue May 26, 2020 1:02 pm
Forum: Personal Investments
Topic: Air conditioner stocks
Replies: 27
Views: 1946

Re: Air conditioner stocks

While there might be increased demand this summer, on the other hand supply chains may be somewhat compromised so all that demand may not be met. Also, many people lost their jobs so they will not be planning to buy new A/C's, etc. But if you do go ahead with this, please post again later in the yea...
by AAA
Tue May 26, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 9036

Re: Investors: be aware of weakness in 2FA + strengthening

Thought I’d share based on news I’ve been seeing. Please be aware that hackers are attacking 2FA through telecommunication carriers. Can someone explain to the non-initiated what the issue is here? So I go to Vanguard's website, enter my username and password and then wait for the text to my phone ...
by AAA
Mon May 25, 2020 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 9036

Re: Investors: be aware of weakness in 2FA + strengthening

Thought I’d share based on news I’ve been seeing. Please be aware that hackers are attacking 2FA through telecommunication carriers. Can someone explain to the non-initiated what the issue is here? So I go to Vanguard's website, enter my username and password and then wait for the text to my phone ...
by AAA
Mon May 25, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Investors: be aware of weakness in 2FA + strengthening
Replies: 153
Views: 9036

Re: Investors: be aware of weakness in 2FA + strengthening

Thought I’d share based on news I’ve been seeing. Please be aware that hackers are attacking 2FA through telecommunication carriers. Can someone explain to the non-initiated what the issue is here? So I go to Vanguard's website, enter my username and password and then wait for the text to my phone ...
by AAA
Wed May 20, 2020 10:49 am
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4643

Re: Individual stock for son's birthday

Someone gave my son a share of stock in a company my son was familiar with and we ran into some inconvenience when it came time to sell it. Because of capital gains? Sounds like a good problem to have. No - now that I recall (it was several years ago) the main issue was that we had an actual paper ...
by AAA
Tue May 19, 2020 12:47 pm
Forum: Personal Investments
Topic: Individual stock for son's birthday
Replies: 54
Views: 4643

Re: Individual stock for son's birthday

Someone gave my son a share of stock in a company my son was familiar with and we ran into some inconvenience when it came time to sell it.
by AAA
Tue May 19, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: Where to park cash in Fidelity?
Replies: 94
Views: 10966

Re: Where to park cash in Fidelity?

It is annoying to have to use Ally or Marcus to place cash savings, so I wonder why Fidelity or other big financial firms don't have a decent option. I've wondered about this myself. Why can't Vanguard, Fidelity, etc. match Ally, Marcus, etc. for decent cash yields? Does it have to do with the latt...
by AAA
Fri May 15, 2020 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Leave H&R Block for Turbo Tax or what other software
Replies: 32
Views: 1801

Re: Leave H&R Block for Turbo Tax or what other software

If you had your taxes done in person at an H&R Block office, and they're not particularly complicated, you should consider trying software. I used Turbo Tax for several years but left them a few years ago over a printing issue on Mac computers. I switched to H&R Block and it's been okay. I'm sure ei...
by AAA
Fri May 15, 2020 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 508

Re: Problems applying for IRS Identity Protection PIN

I've read that they go by the caller ID name. Which effectively eliminates all prepaid cell plans, Google Voice, etc. Actually I discovered that the caller ID I checked in my home phone history was not from my phone but another family member's phone. My phone is showing "Name Unavailable." So I wil...
by AAA
Thu May 14, 2020 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 508

Re: Problems applying for IRS Identity Protection PIN

Failed again to get past the mobile phone number verification. I give up.
by AAA
Thu May 14, 2020 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 508

Re: Problems applying for IRS Identity Protection PIN

Is the billing address for your cell phone the same as your home address (i.e. tax return address)? Yes, they are both the same. And it's been the same address for many years. I will try again later today based on the carrier changing my primary phone number to my mobile number. If that doesn't wor...
by AAA
Thu May 14, 2020 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 508

Re: Problems applying for IRS Identity Protection PIN

yohac wrote: Wed May 13, 2020 6:54 pm I've read that they go by the caller ID name. Which effectively eliminates all prepaid cell plans, Google Voice, etc.
I checked - my caller ID is my name, although it's last name first. I assume they would account for things like that.
by AAA
Wed May 13, 2020 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Problems applying for IRS Identity Protection PIN
Replies: 7
Views: 508

Problems applying for IRS Identity Protection PIN

I got through every other step and then it asked for a mobile phone number, which it was going to verify with the carrier. There was no hint as to what format to use to enter the number, so I just put xxxxxxxxxx. It came back and said it couldn't verify it. So I tried xxx-xxx-xxxx, same result. Fina...
by AAA
Tue May 12, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2632

Re: Buying a used Jaguar

Wasn't the old joke about Jaguars that you should buy two so you can drive one while the other is in the garage?
by AAA
Mon May 11, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: Making backups in Windows 10 with File History
Replies: 17
Views: 1231

Re: Making backups in Windows 10 with File History

I use both a Mac and a PC (Windows 10). On the Mac, it's very simple. I use SuperDuper - basically a couple of mouse clicks and it creates a bootable backup on an external disk. When I recently bought a new Mac, I pointed Apple's Migration Assistant to the SuperDuper backup on the external disk and ...
by AAA
Mon May 04, 2020 1:01 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9927

Re: Amazon Prime Membership Question

I did the one month trial. One of my main reasons for doing so was to get Whole Foods deliveries but despite several attempts there never seemed to be an available delivery window. I later learned WF was not accepting new delivery customers. Also, Amazon deliveries were > 2 days, understandable duri...
by AAA
Thu Apr 30, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2638

Re: File tax return electronically

If we have to temporarily lift the freeze at Experian, for how long should this be done? Does the IRS website immediately check with Experian or could there be a delay (hours? days?)? You cannot create an IRS account until you pass identity verification. Once you've created an account, you do not h...
by AAA
Thu Apr 30, 2020 9:04 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2638

Re: File tax return electronically

talzara wrote: Wed Apr 29, 2020 12:06 pm The IRS uses Experian.
If we have to temporarily lift the freeze at Experian, for how long should this be done? Does the IRS website immediately check with Experian or could there be a delay (hours? days?)?
by AAA
Tue Apr 28, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2638

Re: File tax return electronically

talzara wrote: Tue Apr 28, 2020 11:36 am The IRS is using your credit report for identity verification.
So what should those of us with security freezes do? Do they say which specific agency is used?
by AAA
Mon Apr 27, 2020 10:35 am
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2638

Re: File tax return electronically

You have no guarantee that what the IRS types into their system is what you put on your paper return. I've had that problem a few times in the past, including one year where they input my address wrong. True. no method is foolproof. Years ago when using one of the usual programs to do my state taxe...
by AAA
Sun Apr 26, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: File tax return electronically
Replies: 64
Views: 2638

Re: File tax return electronically

It is the data theft most seem to fear. In my case, I am reluctant to e-file because I cannot see exactly what is being filed as I can with paper filing. Yes, I can have the program print out the forms that would be submitted to the IRS with paper filing, but I can't verify that the electronically ...
by AAA
Wed Apr 22, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: [Fidelity - Responsibility to track down beneficiaries on death]
Replies: 71
Views: 4395

Re: Surprised that there is no esponsibility to track down beneficiaries on death

cheese_breath wrote: Wed Apr 22, 2020 3:57 pmThis whole thing is just an example of people sloughing their responsibilities off onto someone else. Another is relying on Vanguard to keep accurate records of their transactions when they should be doing it themselves.
But it is Vanguard's fiduciary responsibility to keep accurate records.
by AAA
Tue Apr 21, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity - Responsibility to track down beneficiaries on death]
Replies: 71
Views: 4395

Re: Surprised that there is no esponsibility to track down beneficiaries on death

I am assuming there are different beneficiaries named by each joint owner and it is unclear as to who was the survivor. Gill That would be a difficulty. However, where we have been allowed to name beneficiaries for joint accounts (which is everywhere else that we have such accounts) only one set of...
by AAA
Tue Apr 21, 2020 10:09 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity - Responsibility to track down beneficiaries on death]
Replies: 71
Views: 4395

Re: Surprised that there is no esponsibility to track down beneficiaries on death

With this situation Vanguard would have the added responsibility to determine the order of deaths - a role they don’t wish to assume. Gill I'm not sure I follow you. If one of the two joint owners passes, the other owner would notify Vanguard to retitle the account (and make cost basis adjustments)...
by AAA
Tue Apr 21, 2020 9:52 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity - Responsibility to track down beneficiaries on death]
Replies: 71
Views: 4395

Re: Surprised that there is no esponsibility to track down beneficiaries on death

I'm okay with Vanguard not having responsibility to track down the beneficiaries of one's retirement account (I don't remember if their addresses are even included with their other information) but I don't understand why Vanguard does not allow naming of secondary beneficiaries on joint non-retireme...