Search found 629 matches

by DTalos
Fri Apr 09, 2021 6:49 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 4
Views: 1090

Re: Gift Card to Permanently Closed Business

Thanks for the unfortunate information.
by DTalos
Fri Apr 09, 2021 11:53 am
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 4
Views: 1090

Gift Card to Permanently Closed Business

I have a gift card to a company that permanently closed all of its locations. I have learned that the company is in bankruptcy court and filing a claim with the court is the only way to recover any money as an unsecured creditor for an otherwise worthless gift card. What is the possibility of recove...
by DTalos
Wed Mar 24, 2021 3:06 pm
Forum: Personal Consumer Issues
Topic: Retention of Government Employee E-mails
Replies: 23
Views: 1784

Re: Retention of Government Employee E-mails

Technically, a federal employee should only use their government email for official business. If you’re worried about the issue, ask them to communicate via a personal email address, which they should be doing anyway. The real world answer to your question is emails are saved until an employee choo...
by DTalos
Wed Mar 24, 2021 2:42 pm
Forum: Personal Consumer Issues
Topic: Retention of Government Employee E-mails
Replies: 23
Views: 1784

Retention of Government Employee E-mails

I am not employed by the federal government. However, if someone (a non-elected federal employee) with a .gov e-mail address were to send me an e-mail about a non-government related issue (non-official government business), how long would that e-mail be retained if the employee doesn't delete it? Wo...
by DTalos
Thu Mar 18, 2021 6:42 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 32
Views: 20828

Re: Cox Retention Department

I admire the previous poster's tenacity although if there are suddenly no retention offers after placing a cancellation order, I wonder if you can "un-cancel"? My biggest fear would be losing a long-term email address. Is there any advantage to calling both phone numbers before one's promo...
by DTalos
Mon Mar 15, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: StarMop vs Competitors
Replies: 0
Views: 211

StarMop vs Competitors

I have owned a StarMop with a microfiber pad for a decade and the link between the pole and where it attaches to the pad area broke. What are your opinions of StarMop vs competitors for dry cleaning a tile floor?
by DTalos
Sat Mar 13, 2021 3:03 am
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5162

Re: Mail to IRS--Certified

I appreciate all the comments on both sides. It's not just about saving $5, (the amount is more if you have more than one return, plus mailing returns to state tax agency too). I completely understand the perspective of the referenced tax law blog article. However, for years the majority of the gene...
by DTalos
Fri Mar 12, 2021 7:25 pm
Forum: Personal Consumer Issues
Topic: eBay Combined Shipping Questions
Replies: 2
Views: 240

eBay Combined Shipping Questions

I asked a seller if he/she would offer combined shipping for 3 separate widgets they were selling in separate listings and the seller responded in the affirmative with a combined shipping price. How easy or difficult is it for the seller to change the invoice to reflect this? Secondly, does the owne...
by DTalos
Thu Mar 11, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5162

Re: Mail to IRS--Certified

mortfree wrote: Thu Mar 11, 2021 3:33 am I mailed mine 3-day priority mail. $8

It took 17 days for it to be delivered. PA to Utah
Wow! That is a long time for Priority Mail.
by DTalos
Wed Mar 10, 2021 11:32 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5162

Re: Mail to IRS--Certified

It's been several months since my OP (not related to annual tax returns) and there has been much news media coverage regarding the USPS and delivery complaints since that time. I have always mailed my annual tax returns via regular first class mail--not certified. Are any of your planning on mailing...
by DTalos
Wed Mar 10, 2021 5:49 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 13
Views: 1091

Re: XLE vs Individual Oil Stocks

Interesting that XLE has decreased more in the last week than Crude Oil. Oil stocks can sometimes disconnect from oil prices for a time. You saw this in the fall of last year when oil prices were relatively stable but oil stocks drifted downwards significantly. Then there was a sudden catch up in N...
by DTalos
Wed Mar 10, 2021 5:04 pm
Forum: Personal Investments
Topic: Market Opening Price of a Stock
Replies: 7
Views: 366

Re: Market Opening Price of a Stock

A market has a "book" with all of the orders in it. Whatever price is needed to clear the market is the opening price. It really does not matter what the price of the stock was yesterday. Sure, it gives you a hint, but... Anyways, often companies release their big information after the ma...
by DTalos
Wed Mar 10, 2021 4:47 pm
Forum: Personal Investments
Topic: Market Opening Price of a Stock
Replies: 7
Views: 366

Re: Market Opening Price of a Stock

PluckyDucky wrote: Wed Mar 10, 2021 4:45 pm Which price?

There's bid, ask, mark, and last.

If you mean what determines where the bid/ask are in general, it's just the limit orders people have at that time.

The "open" price.
by DTalos
Wed Mar 10, 2021 4:43 pm
Forum: Personal Investments
Topic: Market Opening Price of a Stock
Replies: 7
Views: 366

Market Opening Price of a Stock

Basic Question: What determines the market opening price of a stock?

Followup Question: If the closing price of a stock is $50 and I place a limit buy order before the market opens to buy one share of the stock at $50.20 and the market opening price ends up being $50.40 will my order be filled?
by DTalos
Tue Mar 09, 2021 7:11 pm
Forum: Personal Investments
Topic: Dividend Reinvesting at Major Brokerage
Replies: 8
Views: 755

Re: Dividend Reinvesting at Major Brokerage

Since I assume the tax consequences are the same for receiving cash or having the dividends automatically reinvested into more stock via the brokerage's dividend reinvestment program in my taxable account, I assume using the brokerage's automated program gives me less control over the the reinvested...
by DTalos
Tue Mar 09, 2021 2:43 pm
Forum: Personal Investments
Topic: Domestic vs Foreign Oil Stocks
Replies: 6
Views: 439

Re: Domestic vs Foreign Oil Stocks

It's hard to lump all of the foreign oil stocks together, but a lot of the foreign companies are much less dependent on crude pricing. Companies like Shell, Equinor (f/k/a Statoil), and Total are integrated companies (doing both refining and production) that also dabble in power generation (wind en...
by DTalos
Mon Mar 08, 2021 5:12 pm
Forum: Personal Investments
Topic: Domestic vs Foreign Oil Stocks
Replies: 6
Views: 439

Re: Domestic vs Foreign Oil Stocks

It's hard to lump all of the foreign oil stocks together, but a lot of the foreign companies are much less dependent on crude pricing. Companies like Shell, Equinor (f/k/a Statoil), and Total are integrated companies (doing both refining and production) that also dabble in power generation (wind en...
by DTalos
Mon Mar 08, 2021 4:03 pm
Forum: Personal Investments
Topic: Domestic vs Foreign Oil Stocks
Replies: 6
Views: 439

Domestic vs Foreign Oil Stocks

Why have domestic oil stocks rallied much greater than their foreign counterparts in the past few months?
by DTalos
Thu Mar 04, 2021 10:14 pm
Forum: Personal Consumer Issues
Topic: Safer to Pay Bill by Mail or Phone?
Replies: 32
Views: 2128

Safer to Pay Bill by Mail or Phone?

I would like to renew my membership in an organization and the options are to pay by mail (via check or credit card) or by phone. Is it safer (from a standpoint of financial information being compromised) to pay via check by mail or to give a credit card number to the representative over the phone?
by DTalos
Sun Feb 28, 2021 7:52 pm
Forum: Personal Consumer Issues
Topic: Website that Purchases Smartphone
Replies: 10
Views: 744

Website that Purchases Smartphone

If anyone has favorable opinion of websites that purchases smartphones, please comment. Instead of donating my smartphone, I'd like to see if it has any value. Not interested in eBay or Craigslist.
by DTalos
Sun Feb 28, 2021 2:27 pm
Forum: Personal Investments
Topic: Dividend Reinvesting at Major Brokerage
Replies: 8
Views: 755

Dividend Reinvesting at Major Brokerage

I own a stock that was purchased via a major brokerage company. I read that some people reinvest the dividend (via automatically buying more of same stock) and was wondering if all stocks offer them or not? Does a brokerage give you an option to receive dividends as income vs reinvesting?
by DTalos
Sun Feb 28, 2021 2:19 pm
Forum: Personal Investments
Topic: Cash in Sweep Account
Replies: 6
Views: 473

Cash in Sweep Account

Is there a need to keep any cash in a "sweep account?" When selling stock, are fees/commissions paid from the sweep account or from proceeds of the sale of the stock? Do any of you buy 1 share of a low priced stock in order to bring the amount as close to 0 as possible?
by DTalos
Fri Feb 19, 2021 8:59 pm
Forum: Personal Consumer Issues
Topic: [Heavyweight Protectors for 8.5" x 11" Sheets]
Replies: 3
Views: 480

[Heavyweight Protectors for 8.5" x 11" Sheets]

[Title edited for clarity -- mod oldcomputerguy]

What are good quality, consistent, acid free, heavyweight, clear sheet protector brands in 8.5x11 size?
by DTalos
Thu Feb 18, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Storing Postage Stamps
Replies: 5
Views: 697

Storing Postage Stamps

For those of you who collect postage stamp sheets, how do you store them? Would you trust common brand scrapbook albums that tout "acid free" and "archival."?
by DTalos
Mon Feb 01, 2021 2:41 am
Forum: Investing - Theory, News & General
Topic: Physical Silver VS SLV
Replies: 50
Views: 5068

Re: Physical Silver VS SLV

If one holds physical silver through a brokerage company, how does one go about selling it? Are there market and limit orders, just like with stocks or do you have to put in a futures order for a certain time? Are commissions and fees negotiable with a broker and if so, it it as simple as asking &q...
by DTalos
Mon Feb 01, 2021 2:28 am
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15338

Re: Physical Silver Short Squeeze maybe on

There would still be a commission to buy or sell in times of hyperinflation. Some brokerages don't list commission rates and mention they are negotiable. DTalos, And, why should that matter to me? I know how to negotiate. It is only a problem for those that do not know how to negotiate. KlangFool I...
by DTalos
Sun Jan 31, 2021 9:58 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15338

Re: Physical Silver Short Squeeze maybe on

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool And when you want to buy or sell, and the commissions are variable and negotiable and the brok...
by DTalos
Sun Jan 31, 2021 9:56 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley Physical Silver
Replies: 14
Views: 1741

Re: Morgan Stanley Physical Silver

I wonder what the commissions are to buy and sell physical silver with Morgan Stanley?
by DTalos
Sun Jan 31, 2021 9:53 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15338

Re: Physical Silver Short Squeeze maybe on

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool And when you want to buy or sell, and the commissions are variable and negotiable and the brok...
by DTalos
Sun Jan 31, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15338

Re: Physical Silver Short Squeeze maybe on

Folks, 1) I only buy physical Gold/Silver. 2) I used them as my hyperinflation insurance. 3) I do not rebalance them or sell them. 4) I only use them in the case of emergency aka hyperinflation. KlangFool And when you want to buy or sell, and the commissions are variable and negotiable and the brok...
by DTalos
Sun Jan 31, 2021 8:43 pm
Forum: Personal Consumer Issues
Topic: Brokerage Account Terms and Meanings
Replies: 5
Views: 319

Re: Brokerage Account Terms and Meanings

Find this unclear. how did you buy stock if there is a trading hold on the recent funds transfer? Whenever I transfer $$ to VG it takes about a week to 'settle' and be useable though am unclear which brokerage you refer to. I had a sum of money in the account which I used to buy stock. Then I trans...
by DTalos
Sun Jan 31, 2021 8:35 pm
Forum: Personal Consumer Issues
Topic: Brokerage Account Terms and Meanings
Replies: 5
Views: 319

Re: Brokerage Account Terms and Meanings

Find this unclear. how did you buy stock if there is a trading hold on the recent funds transfer? Whenever I transfer $$ to VG it takes about a week to 'settle' and be useable though am unclear which brokerage you refer to. I had a sum of money in the account which I used to buy stock. Then I trans...
by DTalos
Sun Jan 31, 2021 8:31 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15338

Re: Physical Silver Short Squeeze maybe on

If you own physical silver and the fine print does not mention a specific commission when buying or selling and that commissions are negotiable, how negotiable are they? Is there any state or federal statutes that regulate commissions? If not, then with the latest short squeeze, a broker could say 5...
by DTalos
Sun Jan 31, 2021 3:43 pm
Forum: Personal Consumer Issues
Topic: Brokerage Account Terms and Meanings
Replies: 5
Views: 319

Brokerage Account Terms and Meanings

I'll try to be as generic as possible for privacy reasons. I have a brokerage account. I recently transferred money into it and the brokerage website confirms that transaction and my account balance reflects it. The fund transfer went into a cash sweep account. However, I have a recent deposit tradi...
by DTalos
Mon Jan 25, 2021 7:29 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 13
Views: 1091

Re: XLE vs Individual Oil Stocks

Interesting that XLE has decreased more in the last week than Crude Oil. Oil stocks can sometimes disconnect from oil prices for a time. You saw this in the fall of last year when oil prices were relatively stable but oil stocks drifted downwards significantly. Then there was a sudden catch up in N...
by DTalos
Mon Jan 25, 2021 5:27 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 13
Views: 1091

Re: XLE vs Individual Oil Stocks

Interesting that XLE has decreased more in the last week than Crude Oil.
by DTalos
Mon Jan 25, 2021 5:12 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 13
Views: 1091

Re: XLE vs Individual Oil Stocks

I noticed a large dividend payment on 12/30/19 for XLE.


https://www.nasdaq.com/market-activity/ ... nd-history


Are dividends like those usually a one-time event?
by DTalos
Thu Jan 21, 2021 2:51 pm
Forum: Personal Investments
Topic: XLE vs Individual Oil Stocks
Replies: 13
Views: 1091

XLE vs Individual Oil Stocks

What do you all think about the risk/reward or pros/cons of owning XLE vs individual oil stocks? Also, where can I find the specific per share dividend of XLE?
by DTalos
Thu Jan 14, 2021 7:54 pm
Forum: Personal Consumer Issues
Topic: Same Name Different Bank Accounts Issue
Replies: 18
Views: 1052

Re: Same Name Different Bank Accounts Issue

I have gotten e-mail intended for someone else simply because of auto-completion when the sender was typing into the "To:" field and both my e-mail address and the intended recipient's e-mail address started with the same characters and ended with the same general domain. That is, the hum...
by DTalos
Thu Jan 14, 2021 5:58 pm
Forum: Personal Consumer Issues
Topic: Same Name Different Bank Accounts Issue
Replies: 18
Views: 1052

Re: Same Name Different Bank Accounts Issue

Family member signed back of check meant for him/her and I'm sure bank employee recorded government ID information. What is the likelihood of that information (family member's) being stored in my account to where in the future if I want to cash or deposit a check, it will cause a mix-up with my ID a...
by DTalos
Thu Jan 14, 2021 5:00 pm
Forum: Personal Consumer Issues
Topic: Same Name Different Bank Accounts Issue
Replies: 18
Views: 1052

Same Name Different Bank Accounts Issue

A family member with the same name lives with me at the same address and we both bank at the same bank. Our government ID's have the same address. We have separate bank accounts and obviously different SSN's and DOBs. We each have different email addresses. Family member cashed a check meant for him...
by DTalos
Wed Jan 13, 2021 6:43 pm
Forum: Personal Consumer Issues
Topic: eBay Listing Low Shipping Cost
Replies: 13
Views: 1101

eBay Listing Low Shipping Cost

There is a listing of an item on eBay that weighs about 15 pounds and the seller indicated they will ship via USPS Parcel Select Ground for about $10. I don't know the rates for that class of mail, but it seems very low, even for the Zone 4 distance. If the actual shipping cost ends up being higher,...
by DTalos
Fri Dec 25, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: PayPal Claim USPS In Transit Arriving Late
Replies: 39
Views: 2730

Re: PayPal Claim USPS In Transit Arriving Late

As a USPS Carrier, let me give you the inside scoop. Due to the COVID situation, the USPS, along with FedEx, UPS, Amazon and every other carrier out there, are extremely backed up. Speaking strictly regarding the USPS, we are down a large number of employees due to quarantine and deaths. The main r...
by DTalos
Fri Dec 25, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: PayPal Claim USPS In Transit Arriving Late
Replies: 39
Views: 2730

Re: PayPal Claim USPS In Transit Arriving Late

Although in OP's defense, perhaps he awaiting his shipment of toilet glue so he can finally use the john again! :D https://www.bogleheads.org/forum/viewtopic.php?f=11&t=332590 Now I understand the urgency!! :D :beer :D Funny. Water is shut off to that toilet. Thankfully it is a guest bedroom to...
by DTalos
Fri Dec 25, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: PayPal Claim USPS In Transit Arriving Late
Replies: 39
Views: 2730

Re: PayPal Claim USPS In Transit Arriving Late

These widespread and lengthy postal delays have been well-publicized for weeks now. Considering that you didn't order the item until December 10 and the tracking shows that it is in transit and arriving late, I think filing a claim was premature. Do you expect the seller/retailer to absorb the cost...
by DTalos
Thu Dec 24, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2538

Re: WiFi Extender Recommendation

Thanks for everyone who shared their experiences and expertise, this discussion has been very helpful for me. Yes, thank you as well to those who responded with great advice for the future. I actually solved my problem by placing the router on a box on my desk , thereby elevating it about 12 inches...
by DTalos
Thu Dec 24, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: PayPal Claim USPS In Transit Arriving Late
Replies: 39
Views: 2730

PayPal Claim USPS In Transit Arriving Late

I ordered an item on December 10 and paid via PayPal (partially with PayPal funds and partially with major credit card on Paypal). The USPS tracking has shown In Transit, Arriving Late for the past 6 days. What's odd is the package Arrived twice at the same USPS Regional Origin Facility in a matter ...
by DTalos
Mon Dec 21, 2020 7:03 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2538

Re: WiFi Extender Recommendation

There are a couple of rooms in my home that have intermittent wi-fi because they are far away from the wi-fi router. I read that a wi-fi extender might help with the strength of signal for far away rooms or rooms that are a wall and a corner(s) away from the main router. Is this true? If so, what s...
by DTalos
Mon Dec 21, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2538

Re: WiFi Extender Recommendation

Just want everyone to know I don't have a mansion. Is a mesh system more future proof technology wise vs an ac1900 system with an extender?
by DTalos
Mon Dec 21, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2538

Re: WiFi Extender Recommendation

There are a couple of rooms in my home that have intermittent wi-fi because they are far away from the wi-fi router. I read that a wi-fi extender might help with the strength of signal for far away rooms or rooms that are a wall and a corner(s) away from the main router. Is this true? If so, what s...