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Re: Debit Card was hacked. Should I just use cash from now

Many retailers have had the technology for years. I think MasterCard was one of the first with tap-to-pay on their CC (as least I remember it that way) and I've had tap to pay CC's for years now. I remember when Mobile gas stations heavily advertised the key fob that you could use to buy gas instea...
by Sidney
Tue Oct 21, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 51
Views: 2978

Re: Vanguard "glitch"

I rarely have a problem with the VG site but when I do, if I leave it for a couple of days, it always goes away.
by Sidney
Tue Oct 21, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard "glitch"
Replies: 3
Views: 801

Re: Debit Card was hacked. Should I just use cash from now

With Apple rolling out Apple Pay, I keep wondering: Is this a solution in search of a problem? Is there enough advantage to the consumer over Chip and PIN (assuming it is implemented)? Will enough retailers adopt the technology (or alternatively, will the Chip and PIN readers incorporate the technol...
by Sidney
Tue Oct 21, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 51
Views: 2978

Re: quick TLH sanity check

Hold for 31 days and then move back to the first portfolio. You need to be comfortable enough with the new holdings to hold them forever. If the market bounces back and erases the loss you don't want to switch back. You might never get back. But there are plenty of similar enough, cost effective ho...
by Sidney
Mon Oct 20, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: quick TLH sanity check
Replies: 3
Views: 297

Re: Multiple Fake "Thank you for your order"?

My email is programmed to delete anything that doesn't match an address in my contact list. Every once in a while a spoof leaks through but those are pretty obvious.
by Sidney
Mon Oct 20, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Multiple Fake "Thank you for your order"?
Replies: 35
Views: 2155

Re: Debit Card was hacked. Should I just use cash from now

takeshi wrote:They're not a panacea. The added security is only really beneficial when used with EMV enabled terminals.


True, but once things get rolling, it will be hard for retailers to resist installing them.
by Sidney
Mon Oct 20, 2014 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 51
Views: 2978

Re: DOW Watchers Stomach Syndrome

Toons wrote:"As I walk away from watching the recorded news"

Why don't you try recording something different,,something like re-runs from the TV-Land channel, :sharebeer

or pro-wrestling. Sometimes hard to tell the difference between that and cable news.
by Sidney
Mon Oct 20, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2029

Re: Anyone cancelling travel plans?

JonnyDVM wrote:My only fear is coming back to Atlanta with a slight fever lest they wrap me up in Saran wrap and throw me in a plastic tent.

or sealed in carbonite
by Sidney
Mon Oct 20, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6029

Re: What tax software do you use and why

I do mine by hand, supplemented by a(n RPN) calculator. I submit electronically when it's free. I do choose an online tool to find out whether we agree. The last time we didn't come up with the same number the tool was wrong, not me - I tracked down the specific rule the software implemented incorr...
by Sidney
Sun Oct 19, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2425

Re: Help me choose...

If it were me, I would do this one and tweak it to either eliminate the equity decline (fixed allocation) or have the equity allocation decline slower than you age. I'm not a bucket fan. The simpler the better IMO. 1. Age in Bonds is simple and easy to prune the winners and/or rebalance. The downsid...
by Sidney
Sun Oct 19, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me choose... [Retirement withdrawal strategy]
Replies: 12
Views: 1239

Re: When to think about tax lost harvesting

I monitor unrealized gains and losses routinely. When I have unrealized losses, I generally go ahead and book them. I don't have a set threshold but I probably wouldn't bother if the loss were less than $1,000. When things start going down, losses can build quite quickly. In '08-09 I was cycling thr...
by Sidney
Sun Oct 19, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 9
Views: 876

Re: Help Create a Portfolio Generating 2,500 a month on 600K

OP, I do not think that you really mean all of what you wrote once you read what I say below. But if you did, I recommend that you consider removing yourself from involvement in this matter with your mother. 1. You indicated that you wanted a certain return on investment. Check. 2. You indicated th...
by Sidney
Sat Oct 18, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Create a Portfolio Generating 2,500 a month on 600K
Replies: 22
Views: 3703

Re: If those airline passengers get sick- airline stocks wil

VictoriaF wrote:The news organizations are (will be) affected by restricted travel.


CNN has their own holographic plane. They can run a story 24x7 without any substance.
by Sidney
Sat Oct 18, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1621

Re: If those airline passengers get sick- airline stocks wil

countofmc wrote:We are entering flu season, so I'd imagine there will be a lot of false alarms.

Yes, probably so. Might be better invested in cable news companies. They love this stuff.
by Sidney
Sat Oct 18, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1621

Re: Anyone cancelling travel plans?

Ebola can take out healthy people very easily. So can teenagers with cell phones and a car. http://en.wikipedia.org/wiki/Non_sequitur_(logic) Yes I understand that but I don't get excited about either one because the risk is quite low and the result is the same. If someone said "worry about on...
by Sidney
Sat Oct 18, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6029

Re: Question about AA and withdrawal strategy in retirement

wish2bCFP wrote: What's a guy to do?

Rebalance to desired allocation as you withdraw. If that requires buying equity in tax deferred, so be it.
by Sidney
Sat Oct 18, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about AA and withdrawal strategy in retirement
Replies: 5
Views: 503

Re: Anyone cancelling travel plans?

denovo wrote:Ebola can take out healthy people very easily.

So can teenagers with cell phones and a car.
by Sidney
Sat Oct 18, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 6029

Re: Please help me solve my wireless router issues

So, I called my cable company and got them to reset the modem-voila- Internet. Great. For future reference, often you can reboot the cable modem yourself and that will sometimes accomplish the same thing. My cable modem has a small hole in the back that is just large enough to stick a paper clip in...
by Sidney
Thu Oct 16, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Please help me solve my wireless router issues
Replies: 29
Views: 1188

Re: Headed for a 300+ point loss today?

subham wrote:Isn't this a ticking time bomb?


Could well be. I think they have to offer alternatives though. Hopefully he has been unloading company stock quickly as it accumulates.
by Sidney
Thu Oct 16, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28226

Re: Market Slide Percentages?

I only watch for re-balance triggers and unrealized losses in taxable accounts. Since I participated in the mother of all TLHs (MOAT) in 2009 and am not an accumulator, unrealized losses are a long way off. I can usually guess my allocation within a tenth of a point or so without even logging in.
by Sidney
Thu Oct 16, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 1855

Re: Please help me solve my wireless router issues

Probably something in the router settings. But before you go in and look at those, make sure that the wire from the cable modem is connected to the WAN jack on the back of the router. Usually there are 5 jacks, one is usually marked "WAN" and the other 4 will usually be marked "LAN.&q...
by Sidney
Thu Oct 16, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Please help me solve my wireless router issues
Replies: 29
Views: 1188

Re: Monty Carlo Simulation

I don't think with the free sites you get the full Monty Carlo simulation.
by Sidney
Thu Oct 16, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Monte Carlo Simulation
Replies: 9
Views: 773

Re: Time Out of Market During Rollover

Does the plan allow partial rollovers?
by Sidney
Thu Oct 16, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Time Out of Market During Rollover
Replies: 16
Views: 967

Re: Dry Powder

During this mini-correction Total Bond Market gained 2% and Treasuries gained 2.5%, so they have been far better dry powder than cash. I know people who have been holding wads of cash (years worth) since 2008. I wonder what kind of drag that has been. I don't look at historical returns but cash ret...
by Sidney
Thu Oct 16, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3495

Re: Airline carry on limits

I hate going to an airport at 6:30 in the morning but we had a notice from my company that early morning flights usually were not cancelled. Same reason doctors are usually on schedule with their 8am appointments. We have started taking the crack of dawn flights but we often stay overnight the nigh...
by Sidney
Thu Oct 16, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 2937

Re: Airline carry on limits

dgdevil wrote:Baggage is checked to final destination.

That's true but it is possible that the flier makes the flight (OJ through the terminal) but the bags don't make it due to delays in routing. If you have ever been underground in a major airport, you'd see how possible that is.
by Sidney
Thu Oct 16, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 2937

Re: Airline carry on limits

The airlines don't stop anyone from bringing any size baggage on. It's ridiculous and causes significant delays in boarding and offloading. So, my point is, you won't have any issue bringing it on. I tend to agree. I have flown a couple times in the last three months. I sometimes wonder if the whol...
by Sidney
Thu Oct 16, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Airline carry on limits
Replies: 59
Views: 2937

Re: Dry Powder

I stick with bonds as well. I have never had any problem selling bonds and buying stocks. It seems to work just as quickly as exchanging cash to stocks.
by Sidney
Thu Oct 16, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3495

Re: -11.33% YTD, asking for some guidance

ArthurO wrote:I don't see any disadvantages in using buckets of money for different purposes at all.

OK
by Sidney
Thu Oct 16, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3372

Re: U.S. stocks in freefall

DonCamillo wrote:An unrealized loss is total nonsense.

Not if it is in a taxable account. Harvest!
by Sidney
Wed Oct 15, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156506

Re: New case of Ebola in U.S.: Is it the latest market headw

I doubt it. Slow growth outside the US, commodities slumping, dollar strong. Yield curve seems to be flattening quickly which sometimes leads a recession. Plus I was approaching my upper re-balance band.
by Sidney
Wed Oct 15, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1295

Re: -11.33% YTD, asking for some guidance

correction, I hate people encouraging other people to treat their accounts as one, when treating all accounts separately has clear advantages... in some cases and some clear disadvantages, in some cases. Tax efficiency is a powerful advantage for some. Simplicity is another, albeit more subtle adva...
by Sidney
Wed Oct 15, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3372

Re: -11.33% YTD, asking for some guidance

I hate treating all my accounts as one. I have my retirement bucket, my emergency bucket and my current extra income for splurging bucket, each is invested differently and I don't even know how my overall allocation turns out, and keeping bucket portfolio works great in my case... How can you hate ...
by Sidney
Wed Oct 15, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3372

Re: Capital One chip card!

Without the PIN, I wonder if this works any better than the mag stripe cards in Europe? I recently traveled to the UK and used my chip and sign Sapphire Preferred card over there with no issue. At retail stores, mass transit kiosks, etc you slide the chip end of your card in and leave it in the rea...
by Sidney
Wed Oct 15, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1224

Re: Headed for a 300+ point loss today?

VictoriaF wrote:This depends on where the deer stands.

And whether the hunter is sitting in a deer stand. Now I'm confused.
by Sidney
Wed Oct 15, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28226

Re: Headed for a 300+ point loss today?

The problem is not that the market has lost a few percentage points in the past couple weeks. The problem is that the market is dropping fast, which may trigger short selling and a strong downward momentum. I would think the momentum effect would eventually blow out. Looking at other signs (commodi...
by Sidney
Wed Oct 15, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28226

Re: Capital One chip card!

I suspect that most Americans will simply ignore the chip and use the magstripe functionality same as we've been doing for the last 300 years. I think the plan is that the banks are going to shift the liability to the retailer once the C&P infrastructure is generally available. Retailers will i...
by Sidney
Wed Oct 15, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1224

Re: Capital One chip card!

Yea, with the 2015 law to go to chip cards every new card you get will have a chip in it. However, I've tried chip readers at Panera and Walmart, and neither of the chip readers are working despite being there, so I had to use the magnetic swipe. This is pretty sad. It isn't like the chip technolog...
by Sidney
Wed Oct 15, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1224

Re: Capital One chip card!

I think they are using Chip and Sign as a transition until retailers can get the PIN equipment in place. Should have been done a long time ago but at least they are starting the transition.

Without the PIN, I wonder if this works any better than the mag stripe cards in Europe?
by Sidney
Wed Oct 15, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital One chip card!
Replies: 20
Views: 1224

Re: What services like Amazon Prime do you share to save?

heartwood wrote:Looks the same to me. You can only share shipping

And shipping is for family members in the same household, correct?
by Sidney
Tue Oct 14, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1501

Re: What services like Amazon Prime do you share to save?

nordlead wrote: Apps on Google Play - I share the ones I buy with my wife. Since I technically own both phones I don't see the problem as Google doesn't have a problem with me also installing them on my tablet.


How does this work, technically. How would I share a purchased app from my phone to my wife's?
by Sidney
Tue Oct 14, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1501

Re: Why did my bond funds NAV change on Columbus Day?

wx27 wrote:Also NAV will increase from 3 days of accrued interest.

I didn't think bond funds worked that way. I may be wrong (I often am, according to my spouse).
by Sidney
Tue Oct 14, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why did my bond funds NAV change on Columbus Day?
Replies: 16
Views: 1441

Re: What services like Amazon Prime do you share to save?

These are few services that I share with friends and relatives to save some money. Just curious to see what else I am missing. - Amazon Prime - ATT Mobile Share Data Plan (30GB data for $130 shared by 10 people) - Costco membership Which of these, in their Terms of Service, allow sharing with other...
by Sidney
Tue Oct 14, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: What services like Amazon Prime do you share to save?
Replies: 17
Views: 1501

Re: Has Anyone used Google Shopping Express?

I saw that in the news today. For the life of me I couldn't think of any situation where I would need same day delivery -- except maybe a fire extinguisher.
by Sidney
Tue Oct 14, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Has Anyone used Google Shopping Express?
Replies: 6
Views: 398

Re: Bill Sharpe on the 4% SWR rule (he thinks it's silly)

I know quite a few retired folks and not one of them uses a mathematical system for withdrawal from their portfolio. They tend to use either judgement or "dividends only" methods (some don't have significant assets and live off SS+Pension).
by Sidney
Mon Oct 13, 2014 9:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Sharpe on the 4% SWR rule (he thinks it's silly)
Replies: 51
Views: 4600

Re: Losing draft posts due to auto logout: solution, suggest

OK. I rarely use preview. Years of email discipline (never hit send without proofing, avoid emails longer than 7 lines - we did a study at my former employer and found that less than 20% of the people read past line 7).
by Sidney
Mon Oct 13, 2014 5:19 pm
 
Forum: Forum Issues and Administration
Topic: Losing draft posts due to auto logout: solution, suggestion
Replies: 7
Views: 345

Re: Losing draft posts due to auto logout: solution, suggest

I like the Ctrl-A and Ctrl-C method. Very fast, can do with one hand.
by Sidney
Mon Oct 13, 2014 5:12 pm
 
Forum: Forum Issues and Administration
Topic: Losing draft posts due to auto logout: solution, suggestion
Replies: 7
Views: 345

Re: Want to Convert Tape and Vinyl to Digital

So the only reason I would need to buy a new turntable is because my old turntable has no way to plug into the computer? The computer software actually does it all? Edit: Disregard - I know the answer and it is exactly what the first response to my question said. But I'm confused about why some dev...
by Sidney
Mon Oct 13, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Want to Convert Tape and Vinyl to Digital
Replies: 23
Views: 970

Re: U.S. stocks in freefall

I never understood the whole point deal, I don't track it enough to know what a 300 point decline is, I can understand what 2% drop is however. Right, points are meaningless. Doesn't relate to scale and they also keep changing the divisor so I'm not sure they are comparable year to year. I don't ev...
by Sidney
Mon Oct 13, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156506

Re: Preventing animals from chewing through garage threshold

dolphinsaremammals wrote:
Sidney wrote:Metal threshold.


So that's why my garage threshold is metal, I had no idea. No critters chewing on it either.

That and metal doesn't rot.
by Sidney
Mon Oct 13, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1444
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