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A local restaurant charges nothing if you use your debit card but 3% for credit. They are also one of the few US restaurants that I visit where bring the machine to the table, your card never leaves your hand.

I have 5, one for friends/family, one for financial/government, one for sites with my credit card, one for most other web sites and last one for situations that doesn’t fit into 4. I always use email servers with very good spam filtering and forward email from 2 through 4 to my primary email. I...

Article on the evolution of Vanguard Vanguard 'nickel-and-dimes Grandma' after 49 years without junk fees

They could start taxing the gains in Roth accounts when money is withdrawn, no double taxation.

Children have had home medicine cabinets as a source of drugs for years.

$280 for 2 mil with Amica, up $26 from 2021

The fee can be a wash if you use a cash back cc.

It does a couple times, it gives you higher credit limits if you get a credit card through them and they can move you more personal services if you have high earnings.

Setting up an IRS account can be a frustrating experience, especially if you select the id.me option but I look at it being mandatory to plant your flag on all these government web sites.

Its a shame they still use manual checks since most of the firms have associated DAFs which allow on-line electronic contributions. Check fraud in the past few years has increased dramatically even as the use of checks has dropped.

Global Entry costs go to $120 in October, be interesting to see if cc increase their reimbursement rate.

Now requires two picks to ignore a thread

Always travel with 2 cc, Chase Sapphire is my primary for its travel protections and the backup is a visa card. Both cc are tap to pay so I don’t need to deal with signing issues. Take a Schwab debit card for no transaction fees if a need to get foreign cash.

The pin requested when filing your yearly tax return electronically.

I have used the same pin for years and never have applied for a new one.

Krebs from Krebs on Security blog recommends “planting your flag” on the social security, medicare and IRS websites so no third party can do it.

My sneakers only last a year before they wear out so I don’t think velcro would be an issue.

At least on the Mac the first time you save your tax return, TurboTax defaults to file encryption. You need to turn it off then it remembers it on subsequent saves. I never tried saving with the encrypted option.

With the advent of on-line access, no more written checks and alert capability from my financial firms, I have stopped using Quicken. It is much easier just to look for suspicious transactions on-line and I have linked all by accounts on Schwab to get the trend chart.

You should leave a current list of your logins and passwords with your will. Also the passcode/password for your phone if you have enabled two factor.

I wouldn’t use that cable for charging, data transfer would be ok.

Include a capital gains tax to fund social security.

Or you could be Apple which in the global cell phone market only sold 18% of cell phones but garnered 85% of the profits.

I find as I get older, I am more than satisfied with a Wendy’s single or a son of a Baconator.

They use LexusNexus and you can order a report for the data they have on you. Search “lexusnexus privacy report”