Search found 265 matches

by investor4life
Sun Apr 11, 2021 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Question about catch-up contributions
Replies: 5
Views: 390

Re: Question about catch-up contributions

Any thoughts from anyone who may have some experience with this?

Thanks!
by investor4life
Sat Apr 10, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Question about catch-up contributions
Replies: 5
Views: 390

Re: Question about catch-up contributions

Yes, same at DW's mega-Corp. On the web site of the plan manager (Fidelity, btw), you get to select the regular contribution amount in dollars or in whole percentages (up to 12%, which is what we have it set at). But the catch-up amount is specified in dollars and there seems to be no limit to what ...
by investor4life
Sat Apr 10, 2021 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Question about catch-up contributions
Replies: 5
Views: 390

Question about catch-up contributions

DW has a 401k plan from work that allows contributing up to 12% of pay (up to the IRS limit of 19.5K in 2021). She is also eligible to make catch-up contributions (6.5K in 2021) and is doing so.  Her 401k plan's manager allows specifying the regular contribution amount and catch-up amount separately...
by investor4life
Wed Apr 07, 2021 5:28 pm
Forum: Personal Consumer Issues
Topic: Talk me out of DIY Yard drain project.....
Replies: 37
Views: 2975

Re: Talk me out of DIY Yard drain project.....

No thoughts on hire vs DIY. But we do have our sump pump drain into an underground 4-inch corrugated flexible pipe. About 60 feet from the house to the edge of the yard. The contractor used perforated pipe for the last 40 feet, so we get free irrigation for that part of the yard. Grass is definitely...
by investor4life
Wed Mar 17, 2021 2:21 pm
Forum: Personal Investments
Topic: We sold our business. Help us invest the windfall
Replies: 63
Views: 8397

Re: We sold our business. Help us invest the windfall

Congratulations!

We had nowhere close to this amount but chose to pay in full for kids’ education (ugrad, medical school). Seeing them able to launch into successful careers w/o having to worry about student debt is the best return on investment we’ve had.
by investor4life
Mon Mar 15, 2021 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Question on renewing Marcus CD
Replies: 11
Views: 933

Re: Question on renewing Marcus CD

OP here with an update. Marcus CSR said that a new NP CD account has to be opened first and then funded with proceeds from the maturing CD. (Or as @MikeG62 suggested, close the CD into the Savings account and then open and fund the NP CD account.) The instructions provided online by Marcus are opaqu...
by investor4life
Sat Mar 13, 2021 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Question on renewing Marcus CD
Replies: 11
Views: 933

Question on renewing Marcus CD

Hi all, I have a Marcus CD coming due. It's currently a 1-year CD but I want to move to a 7-month No-Penalty CD. But ... I can't figure out how to do this on their website! The only renewal options available seem to be to change the duration/close the CD/change the balance. No option for the No-Pena...
by investor4life
Sun Mar 07, 2021 11:51 am
Forum: Personal Consumer Issues
Topic: Recommendation for wifi enabled Internet radio?
Replies: 14
Views: 855

Re: Recommendation for wifi enabled Internet radio?

There are thousands of radio stations on the Internet. I want to purchase a Wifi enabled Internet radio that uses AC power (not battery). Would use it in our kitchen. Our Internet service is via Cox cable & the cable modem has 2.4GHz & 5GHz WiFi service. Any recommendations? Any internet-en...
by investor4life
Sun Feb 28, 2021 12:13 am
Forum: Personal Finance (Not Investing)
Topic: When Credit Card Fraud Happens Stay on Top of It!
Replies: 52
Views: 4987

Re: When Credit Card Fraud Happens Stay on Top of It!

I'm posting as a public service announcement. To make it actionable please share your stories of resolving credit card fraud. Back in late December I was contacted by Citibank Costo about a potentially fraudulent charge for Pay Stub Makr in the amount of $26.97. Never heard of them. While I was on ...
by investor4life
Thu Feb 25, 2021 11:54 pm
Forum: Personal Consumer Issues
Topic: Mark’s Financial Computer Security Methods
Replies: 24
Views: 3427

Re: Mark’s Financial Computer Security Methods

This is a list of the security measures I take regarding my computer financial records. My purpose for the list is: • Educating others regarding good security techniques • Educating myself regarding improvements I should make • Create an easy list for regular auditing my security situation This is ...
by investor4life
Tue Feb 23, 2021 11:53 pm
Forum: Personal Consumer Issues
Topic: which snow blower ?
Replies: 103
Views: 7572

Re: which snow blower ?

Hi, We live in the suburb of a major East Coast city in the US. Here, there are three to four major storms with snow from 7 to 15 inches per winter. Light snow falls with less than 5 inches are more often in the winter. I have a driveway that is about 120 foot. I am looking for a snow blower. I nev...
by investor4life
Thu Feb 04, 2021 12:38 am
Forum: Personal Consumer Issues
Topic: Recommendations for replacing 8 years old Whirlpool Fridge
Replies: 43
Views: 3471

Re: Recommendations for replacing 8 years old Whirlpool Fridge

Another Whirlpool? 8 years is pretty good going for a fridge these days (or one bought 8 years ago). We had a Kenmore (made by LG) that died within a couple years. Replaced with a Whirlpool and so far happy. The one prior to the Kenmore/LG was a Whirlpool that was going strong after 20 years but we ...
by investor4life
Thu Jan 21, 2021 12:41 am
Forum: Personal Finance (Not Investing)
Topic: HSA strategy
Replies: 17
Views: 1632

Re: HSA strategy

I haven't done the math that you're asking about, but what you propose is what we're doing. I figure if we can afford to pay for current expenses out of pocket, then we're better off to invest the HSA and let it grow tax free. We keep receipts in case we need to pull the money out at some time, but...
by investor4life
Sun Jan 17, 2021 11:07 am
Forum: Personal Consumer Issues
Topic: Is it ok to have refrigerator and freezer on carpeted floor?
Replies: 10
Views: 992

Re: Is it ok to have refrigerator and freezer on carpeted floor?

Thank you, all.

I plan to get this drain pan. Meant for washing machines but should work for fridge and freezer as well.
by investor4life
Sun Jan 17, 2021 12:31 am
Forum: Personal Consumer Issues
Topic: Is it ok to have refrigerator and freezer on carpeted floor?
Replies: 10
Views: 992

Is it ok to have refrigerator and freezer on carpeted floor?

We currently have a fridge and will soon have a (auto-defrost) freestanding freezer in our finished basement, both sitting directly on carpet. The sales guy told us that it is not a good idea to do this--something about not enough ventilation underneath the units. Is this true? The fridge has been t...
by investor4life
Mon Dec 28, 2020 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Is Schwab.com down today?
Replies: 12
Views: 1005

Re: Is Schwab.com down today?

The fact that this is only happening in Chrome (that had been my issue too, and Firefox and Edge worked for me when this was happening), not in Safari and Edge, still might point to cookies. Unfortunately, I can't recall if my "fix" was only clearing Schwab cookies (probably), or all cook...
by investor4life
Sun Dec 27, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Is Schwab.com down today?
Replies: 12
Views: 1005

Re: Is Schwab.com down today?

Seems like I recall something similar happening to me about a year ago. In my case, clearing the Schwab cookies fixed it all. Maybe try a different browser quick. If all works fine, go back and clear the Schwab cookies in your primary browser. Should then work. Just hit the website myself, no down ...
by investor4life
Sun Dec 27, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Is Schwab.com down today?
Replies: 12
Views: 1005

Re: Is Schwab.com down today?

Ed 2 wrote: Sun Dec 27, 2020 11:03 am It’s on. Just go Google it and click on Google results
Hmmm weird. Works from client.schwab.com but not schwab.com (which is what I have always used).

Thx
by investor4life
Sun Dec 27, 2020 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Is Schwab.com down today?
Replies: 12
Views: 1005

Is Schwab.com down today?

All I see is a blank screen at schwab.com. Tried from multiple devices. Anyone else having trouble this morning?
by investor4life
Mon Dec 21, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: Windows Defender
Replies: 38
Views: 2863

Re: Windows Defender

runner3081 wrote: Sat Dec 19, 2020 6:49 am Absolutely. I run that and Malware Bytes, nothing else needed.
Are both active simultaneously? My understanding is that Defender turns itself off if it detects another anti-virus software is on.
by investor4life
Mon Dec 21, 2020 12:29 am
Forum: Personal Consumer Issues
Topic: Want to find very simple idiot proof smoke detector
Replies: 23
Views: 1192

Re: Want to find very simple idiot proof smoke detector

Our hardwired detectors decided to squawk in unison, in the middle of the night of course, a few years ago. I disconnected them for the night after verifying that nothing was amiss. Turns out they'd reached their 10-year end-of-life. Went to Home Depot and picked up about ten of them the next day an...
by investor4life
Sun Dec 06, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can extended warranty start before product delivery?
Replies: 5
Views: 390

Re: Can extended warranty start before product delivery?

Thank you, all. This is helpful. I will call Wayfair and escalate to a manager (though it is difficult to get anyone on the phone these days).
by investor4life
Sat Dec 05, 2020 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can extended warranty start before product delivery?
Replies: 5
Views: 390

Can extended warranty start before product delivery?

So, in Sept, I bought something fairly expensive on Wayfair and also bought an extended warranty through them. The product is back-ordered and delivery is scheduled for mid-February. I just got an email from the warranty company (Warrantech) that my warranty started on the date of purchase. I called...
by investor4life
Thu Nov 19, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Surface Pro 7 or Lenovo Flex 5?
Replies: 12
Views: 1027

Re: Surface Pro 7 or Lenovo Flex 5?

Haven't measured it. I usually run it plugged-in so as to not run out of juice during a presentation, which is my main use of this device so far. (On a full charge it usually shows 8-9 hours but that doesn't mean much I think.) My go-to is a MacBook Pro and it runs circles around the Lenovo in all d...
by investor4life
Wed Nov 18, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Surface Pro 7 or Lenovo Flex 5?
Replies: 12
Views: 1027

Re: Surface Pro 7 or Lenovo Flex 5?

Any thoughts on choosing between these two? The device will be a used as a family laptop to replace an older chromebook. Both are available at Costco for the same price with the additional 2 year warranty. Surface Pro 7 Bundle https://www.costco.com/new-microsoft-surface-pro-7-bundle---10th-gen-int...
by investor4life
Mon Oct 12, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: Election calls
Replies: 30
Views: 2232

Re: Election calls

Hi folks, I am irritated by all the text messages and calls about elections. How did this people get my info? How can I opt out of my info being shared. Already on do not call lists. Once I started telling the callers that I voted for the candidate from the other party, the calls went down dramatic...
by investor4life
Sun Oct 04, 2020 12:09 am
Forum: Personal Investments
Topic: Precipitous Drop in Stable Value rates- last 4 days
Replies: 20
Views: 2593

Re: Precipitous Drop in Stable Value rates- last 4 days

The info put out by my employer about our SVF has a sentence that the rate will never go below 3% (unless I guess the insurance company backing it goes under).
by investor4life
Sat Oct 03, 2020 9:46 am
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

Thanks all. I'll probably not play around with the bands right now. WFH is pretty intense for both DW and I these days and I don't want to mess anything up :) Easier to ensure that microwave usage and TV watching don't overlap too much. The microwave is just 6 months old actually (an LG) and so is t...
by investor4life
Fri Oct 02, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

So, I may have figured out the problem. The ATV buffered as soon as DW started the microwave (about 20 feet away). I started the Speedtest app on the ATV and was able to see the speed drop waaay down whenever the microwave started up and then go right back up when it stopped. Our live TV watching co...
by investor4life
Fri Oct 02, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

If the phone is getting good connection in the same location as the TV when the TV has a bad connection, I’m going to guess that this is an issue with which band the TV is holding on to. Many low to mid-range (and sometimes even high-end) access points don’t do a good job of managing which band cli...
by investor4life
Thu Oct 01, 2020 9:54 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

We are in a 2-story suburban single family home. Just DW and I and neither is/was doing any heavy-duty internet stuff. Nearest neighboring house is about 100 feet away. Apple TV is one floor below the cable modem, with two sheet-rocked and insulated walls in between. (Straight-line distance to modem...
by investor4life
Thu Oct 01, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

OP again, with the evening report as promised. Well... it's baaack! (The buffering, I mean.) My Apple TV Speedtest app (which earlier in the day clocked in at 79 Mbps down, 11 Mbps up; jitter 6.2 ms, ping 18 ms, loss 0%) is now showing 1.8 (yes one.point.eight) Mbps down, 1.3 Mbps up, jitter 54 ms, ...
by investor4life
Thu Oct 01, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

Probably not your situation but household devices can interfere with Wifi depending on the frequency being used. Often routers now will support 2.4G and 5GHz but more devices still use 2.4G. At that frequency sometimes a microwave, baby monitor, etc. can interfere. If you have a laptop there is a f...
by investor4life
Thu Oct 01, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

That'd be another user (@cusetownusa). I don't have a mesh wifi/extender system (though that may be the next step if this issue persists).
by investor4life
Thu Oct 01, 2020 2:34 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

Probably not your situation but household devices can interfere with Wifi depending on the frequency being used. Often routers now will support 2.4G and 5GHz but more devices still use 2.4G. At that frequency sometimes a microwave, baby monitor, etc. can interfere. If you have a laptop there is a f...
by investor4life
Thu Oct 01, 2020 12:55 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Re: Help with YouTube TV buffering issue

Thanks for all the replies. Answers to some of the questions raised: * Access point: Motorola MT7711 cable modem + AC1900 WiFi router. ( Link ). One year old. * Location: On 2nd floor. Apple TV device on main level connected to nearby Samsung TV via HDMI cable. Streaming via Wi-Fi. * Speedtest.net r...
by investor4life
Wed Sep 30, 2020 11:15 pm
Forum: Personal Consumer Issues
Topic: Help with YouTube TV buffering issue
Replies: 38
Views: 3449

Help with YouTube TV buffering issue

I like YouTube TV a lot and stream it via an Apple TV 4K unit. Lately, I've noticed that it takes a couple of minutes for the channel guide to appear and then another couple minutes of buffering (the dreaded spinning circle) followed by image quality that fluctuates between 480/720/1080P for several...
by investor4life
Fri Sep 25, 2020 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Virtual Account Numbers (VAN) going away?
Replies: 47
Views: 4946

Re: Citibank Virtual Account Numbers (VAN) going away?

I also wanted to note that the Citi web version only generates single-use VANs, so OP couldn't use it for autopay purposes. I just generated one today. Odd, I just created one a couple of days ago and using the advanced options was able to set a dollar limit and a 2-12 month out expiration date. Th...
by investor4life
Fri Sep 25, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Virtual Account Numbers (VAN) going away?
Replies: 47
Views: 4946

Re: Citibank Virtual Account Numbers (VAN) going away?

Several Citi MCs here (5xxx, but not the one that the OP has). All work fine with VAN and I am a heavy user of the feature. As others have said, Citi recently updated the VAN service to no longer use Flash and it's much easier to use now (with Flash I had to enable it temporarily and then disable). ...
by investor4life
Wed Sep 23, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20227

Re: Is Costco worth the $120 membership?

In years where my 2% Executive bonus is less than the difference between the Basic and Executive membership dues, I have had the difference applied to the next year’s membership dues. You just need to ask for it.
by investor4life
Mon Sep 07, 2020 11:07 am
Forum: Personal Investments
Topic: Mimicking 3-fund portfolio with what's available: Please comment
Replies: 8
Views: 705

Re: Mimicking 3-fund portfolio with what's available: Please comment

Thanks for the quick replies. Besides the two 401k accounts, we have some fairly small amounts in a couple of tIRAs, which I may convert to Roths down the road. My 401k is about 2x that of DWs (as I have worked for longer). The ratio of taxable to 401k's is 25 to 75. The taxable is split roughly equ...
by investor4life
Sun Sep 06, 2020 11:21 pm
Forum: Personal Investments
Topic: Mimicking 3-fund portfolio with what's available: Please comment
Replies: 8
Views: 705

Mimicking 3-fund portfolio with what's available: Please comment

Hello friends: DW and I are in the process of doing a significant overhaul of our 401k portfolios. We have been pretty aggressively invested over the past 15 years or so and things have panned out well returns-wise. But the portfolios are a "mess" in terms of the number of funds each has (...
by investor4life
Sun Sep 06, 2020 10:34 pm
Forum: Personal Investments
Topic: How to approximate Vanguard Total Intl Stock Idx (VTIAX)?
Replies: 3
Views: 491

Re: How to approximate Vanguard Total Intl Stock Idx (VTIAX)?

Thank you both for your input. Exactly what I was looking for.
by investor4life
Tue Sep 01, 2020 3:55 pm
Forum: Personal Investments
Topic: How to approximate Vanguard Total Intl Stock Idx (VTIAX)?
Replies: 3
Views: 491

How to approximate Vanguard Total Intl Stock Idx (VTIAX)?

I'd like to include VTIAX in my 401k portfolio, but it is not offered by the plan. Instead, the following are: * Vanguard Developed Markets Idx (VDIPX): Invests in companies in Canada, and the major markets of Europe and the Pacific region * Vanguard Emerging Markets Idx (VEMIX): Invests in emerging...
by investor4life
Wed Aug 19, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: Considerations Before Going Solar
Replies: 24
Views: 2328

Re: Considerations Before Going Solar

I came across Google’s Project Sunroof recently. Pretty nifty tool that uses your property’s address and satellite pics of your house to calculate the amount of sunlight your roof get annually, how much power you can generate, the cost savings, etc. It may be helpful. https://www.google.com/get/sunr...
by investor4life
Thu Aug 06, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: My gym is reopening - are you going back to yours?
Replies: 42
Views: 1904

Re: My gym is reopening - are you going back to yours?

Nope. Put membership on hold for $10/month through next March (Lifetime Fitness). We miss the gym a lot but not enough to risk our health going there. Making do with home exercising, long walks, etc.
by investor4life
Tue Aug 04, 2020 5:39 pm
Forum: Personal Investments
Topic: Is it possible to disable online access to Vanguard?
Replies: 53
Views: 6472

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

Just create a random super-long password that you will not remember and the bad guys cannot possibly figure out. That effectively locks everyone out. Set your delivery preferences to hardcopy beforehand. If you ever need to log back in, use the "need logon support" link on the sign-in page.
by investor4life
Fri Jul 31, 2020 11:57 pm
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9681

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

Consider putting as much as possible (typically 2K-5K) of the payment on a credit card to avail of the points/miles/cash back. I have done this several times over the years and have always paid cash for the rest. And, no...never have had a credit check done.
by investor4life
Sat Jul 25, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Family expanding - Time for a 3 row SUV
Replies: 69
Views: 4150

Re: Family expanding - Time for a 3 row SUV

Our family is expanding! We have a 5.5 yo, and a new baby due in March. My parents and in laws both live outside US and often visit us for longer durations (3+ weeks) to as long as 2 months). I am in the market for a 3 row SUV - aim to buy closer to October. Option 1 - Buy a gently used Pilot or Hi...