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Re: Good scotch recommendations, where to buy

+1 for the Laphroaig 10yr - very nice and reasonably priced. I've got about 10 bottles of scotch on the bar and it's one of the cheaper and better ones, definitely the best value. I also think the distillers strength is worth the premium if they happen to have it.
by pheleven
Mon Apr 21, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 43
Views: 2229

Re: Best medium for long-term digital storage?

So I didn't see anyone else say it in the thread but some solid state media will begin degrading after a very short time period (3-6 months) without power. I would suggest against using one for archival unless you make sure you get one designed for that task and store it properly (low humidity, etc)...
by pheleven
Sun Sep 08, 2013 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Best medium for long-term digital storage?
Replies: 65
Views: 4504

Re: "15-Year Fixed Mortgage is Usually Preferable to 30"

True but interest rates for 15 and 30 year mortgages are usually not the same Perhaps usually, but not always. When I got my mortgage, the 15 year and 30 year had the same rate with 1/8 point (for 15-year that took it down 1/8 %, for 30-year, it took it down 1/4 %), but the 15-year had a 1% origina...
by pheleven
Sat Aug 24, 2013 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: "15-Year Fixed Mortgage is Usually Preferable to 30"
Replies: 45
Views: 4977

Re: VZ FIOS knows your personal WiFi Password !!!

That sounds pretty lame. Is this support/billing page using only HTTPS (I hope)? Your own suggestion of your own router is probably your best bet. That said, I suggest never trusting wireless even at home with a strong WPA2 passphrase for anything you want complete privacy with (IE Banking).
by pheleven
Sun Aug 18, 2013 3:05 pm
 
Forum: Personal Consumer Issues
Topic: VZ FIOS knows your personal WiFi Password, is this normal ?
Replies: 19
Views: 1668

Re: Looking to Improve Home network / Backup System

I wouldn't get too hung up on the hardware level encryption. For encrypted backups to your NAS device, you could take a look at Duplicati. It is a very promising backup application based on Duplicity and Rsync from the Linux world. As far as encyption or compression with backups, it is a double edg...
by pheleven
Thu May 30, 2013 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Looking to Improve Home network / Backup System
Replies: 6
Views: 836

Re: Dr. Web security software

How on earth could I have a web server if I didn't activate one? Wouldn't there be some XAMPP or other info on my computer or would some company just have installed one for free? Sorry, I was being a smart-ass in claiming you might have a server set up (at least to some degree). That server is a Li...
by pheleven
Sun May 26, 2013 11:43 pm
 
Forum: Personal Consumer Issues
Topic: Dr. Web security software
Replies: 20
Views: 1168

Re: Dr. Web security software

I didn't read everything because it got redundant but Mudpuppy is right; someone put in your email on accident for their administrative email (in regards to the DR Web emails) or you have a web server. Bottom line, just block it all if it's not yours. It's probably not easy or worth it to try to tra...
by pheleven
Sun May 26, 2013 6:54 pm
 
Forum: Personal Consumer Issues
Topic: Dr. Web security software
Replies: 20
Views: 1168

Re: Uncertain of cost burden from out-of-network surgeon.

The way it works with "Out of Network": If they pay 70%, like in your case, of "Reasonable and Customary", that means they (your insurance) will pay 70% of what they will pay an In-Network doc to do the work. You are responsible for 30% of the In-Network charge, plus the balance...
by pheleven
Sat May 18, 2013 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Uncertain of cost burden from out-of-network surgeon.
Replies: 26
Views: 2189

Re: Uncertain of cost burden from out-of-network surgeon.

Your health insurance probably has different numbers for In Network Deductibles, Out of Network Deductibles, In Network Maximum Out of Pocket, Out of Network Maximum Out of Pocket. For this reason, I prefer HSA-compatible plans that equalize these numbers to roughly match the maximum tax deduction....
by pheleven
Sat May 18, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Uncertain of cost burden from out-of-network surgeon.
Replies: 26
Views: 2189

Re: Uncertain of cost burden from out-of-network surgeon.

Yes, so your OON deductible works like this: You pay 30% of the "In-Network" cost, up to an out of pocket $2,000. Then your insurance starts to pick up 100% of the tab, up to the In-Network cost. You are still on the hook for all costs above and beyond the In-Network costs. In all, it's a ...
by pheleven
Fri May 17, 2013 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Uncertain of cost burden from out-of-network surgeon.
Replies: 26
Views: 2189

Re: Uncertain of cost burden from out-of-network surgeon.

The way it works with "Out of Network": If they pay 70%, like in your case, of "Reasonable and Customary", that means they (your insurance) will pay 70% of what they will pay an In-Network doc to do the work. You are responsible for 30% of the In-Network charge, plus the balance ...
by pheleven
Fri May 17, 2013 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Uncertain of cost burden from out-of-network surgeon.
Replies: 26
Views: 2189

Re: Frontline--The Retirement Gamble

<<snip>>I know several people who work for large companies, know that indexing is great, but their large companies do not offer those choices and have no desire to add them. What are they to do? Others here have posted good success with doing the math, bringing it to their HR/Benefit people and hav...
by pheleven
Thu Apr 25, 2013 12:34 am
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 33154

Re: Do I really need a Smartphone?

You : ...and that concludes my report. Boss : Excellent work. I know you didn't include it in your presentation but share with me the <insert whatever> document right away so I can review numbers while we're discussing this. You : Right away sir, let me run back to my office and send it to you righ...
by pheleven
Tue Apr 02, 2013 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Do I really need a Smartphone?
Replies: 433
Views: 25689

Re: American Express Blue Cash Everyday card

gkaplan wrote:Wouldn't work for me, because I fill up at ARCO, which is not a gas-only enterprise.


So because I can buy a bad hotdog, it's not a gas station? :?
by pheleven
Thu Mar 28, 2013 1:42 am
 
Forum: Personal Consumer Issues
Topic: American Express Blue Cash Everyday card
Replies: 26
Views: 6047

Re: American Express Blue Cash Everyday card

Does this work for every grocery store, apart from Walmart? My cashback card sucks at actually working for the higher rewards *most* of the time. Stores "cheat" the system and mark themselves "merchandise" instead of "grocer" or "gas" because they pay lower f...
by pheleven
Thu Mar 28, 2013 1:41 am
 
Forum: Personal Consumer Issues
Topic: American Express Blue Cash Everyday card
Replies: 26
Views: 6047

Re: American Express Blue Cash Everyday card

Does this work for every grocery store, apart from Walmart? My cashback card sucks at actually working for the higher rewards *most* of the time. Stores "cheat" the system and mark themselves "merchandise" instead of "grocer" or "gas" because they pay lower f...
by pheleven
Wed Mar 27, 2013 11:01 am
 
Forum: Personal Consumer Issues
Topic: American Express Blue Cash Everyday card
Replies: 26
Views: 6047

Re: Help solve problem. Viewing holdings from road or work.

Do you have corporate VPN access? That is what I use whenever I'm in a hotel. Most well set up companies even force you to VPN in to use corporate WiFi. Once you are VPN'd in, all your traffic is encrypted and you don't need to worry about a thing (other than your laptop being compromised, but then...
by pheleven
Mon Mar 25, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help solve problem. Viewing holdings from road or work.
Replies: 12
Views: 568

Re: Vacation ideas in California - on the beach !

Yea, the water just doesn't get warm like Hawaii. As tj mentioned, the more southerly the less cold it is, but it's still not going to be the bathwater Hawaii has. If the water is your main attraction, go south - San Diego has excellent weather and is beautiful. I've found it to be a lot more fun fo...
by pheleven
Sun Mar 24, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Vacation ideas in California - on the beach !
Replies: 12
Views: 856

Re: House Appraisal Drops Right before Refinancing

I find it interesting how many people hate zestimates. I've found my region (Northern CA) they're a bit low, but we're also seeing massive appreciation on 'lower end' houses in the 0-250k range -- 5-10% a month lately. The Zestimates are showing this kind of growth, but they're a month or two behind...
by pheleven
Sat Mar 23, 2013 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: House Appraisal Drops Right before Refinancing
Replies: 19
Views: 1572

Re: Question for computer geeks

A common misconception with e-mail 'fishing' attacks is that opening the e-mail will cause your computer to get a virus. That's not true. There is no harm in opening up any e-mail that you receive so long as you DO NOT CLICK ANY LINKS OR OPEN ANY ATTACHMENTS! This is not always true. Email clients ...
by pheleven
Tue Mar 19, 2013 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Question for computer geeks [facebook phishing?]
Replies: 11
Views: 900

Re: Tipping a hairdresser

Depending on what her color involves, she may be able to do that with an $8 box from the drugstore. At least here in CA any product that *works* (well) and lasts is only available to licensed cosmetologists. They don't trust a consumer to play with chemicals... not that all of the licensed people s...
by pheleven
Mon Mar 18, 2013 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Tipping a hairdresser
Replies: 85
Views: 5950

Re: Bit Rot: A Threat To Digital Data?

We should also be aware that any kind of high atmospheric level atomic detonation, or a specifically designed Electro Magnetic Pulse (EMP) weapon, could wipe out much of the data in a wide area below it. So if there was some sort of 'high altitude war' that led to say 10-20 atomic detonations in th...
by pheleven
Sat Mar 16, 2013 4:27 am
 
Forum: Personal Consumer Issues
Topic: Bit Rot: A Threat To Digital Data?
Replies: 24
Views: 1769

Re: Bit Rot: A Threat To Digital Data?

Most of these answers are not about bitrot - they're about media obsolescence. Both are problems, but very different ones. Media obsolescence is a medium to long term problem and one you can likely easily mitigate against if you're talking about storing relatively small quantities of data - as you l...
by pheleven
Sat Mar 16, 2013 4:00 am
 
Forum: Personal Consumer Issues
Topic: Bit Rot: A Threat To Digital Data?
Replies: 24
Views: 1769

Re: Vanguard Phishing

The story says My girlfriend received a call from someone claiming to be an employee of Vanguard. Without providing any verification, this person then proceeded to ask for the answer to one of her security questions. If the story is accurate it seems to me like an unacceptable practice on Vanguard'...
by pheleven
Fri Mar 15, 2013 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Phishing
Replies: 33
Views: 3710

Vanguard Phishing

With the threads about computer security floating around here I wasn't too keen to come across this article this morning!

http://benplesser.com/2013/03/15/vangua ... atttempts/
by pheleven
Fri Mar 15, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Phishing
Replies: 33
Views: 3710

Re: Today's Internet Security, Do you still feel safe?

ok I see the problem. I did not say buy a VPN from your bank.. But buy one from the many available online by independent services. Buy one and log into your VPN before go on your bank's website. Done That definitely does not do what you think it does.I'm quite aware of how VPNs work; network securi...
by pheleven
Thu Mar 14, 2013 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Today's Internet Security, Do you still feel safe?
Replies: 51
Views: 3099

Re: Today's Internet Security, Do you still feel safe?

coolguy954 wrote:pay for a VPN problem solve


I don't think that's doing what you think it is... unless the bank is letting you VPN directly to them (they are not).
by pheleven
Thu Mar 14, 2013 2:07 am
 
Forum: Personal Consumer Issues
Topic: Today's Internet Security, Do you still feel safe?
Replies: 51
Views: 3099

Re: tiny cheap server [Raspberry Pi]

First off, this is an awesome project. Do note though that the CF cards are not especially known for longevity and certainly are not more reliable than a disk. Doing something like writing a database will wear them out fairly quickly if it has high volume - they have limited write life like an SSD b...
by pheleven
Tue Mar 12, 2013 4:03 am
 
Forum: Personal Consumer Issues
Topic: tiny cheap server [Raspberry Pi]
Replies: 24
Views: 2383

Re: Virus: Win32.Downloader.gen

My Virus: Win32.Downloader.gen showed up soon after downloading IE10 from CNET. They usually install things that are simply advertising related and not truely hostile - or at least not trying to steal information or damage your computer/files. With the very generic name, it's possible the detection...
by pheleven
Wed Mar 06, 2013 5:00 pm
 
Forum: Personal Consumer Issues
Topic: Virus: Win32.Downloader.gen
Replies: 27
Views: 3504

Re: Virus: Win32.Downloader.gen

... by the way I always download from http://www.download.com which is cnet. they verify no spyware with downloads. This is absolutely not true. I suggest avoiding them if at all possible. Always download from the source of the program if at all possible. http://insecure.org/news/download-com-fiasc...
by pheleven
Wed Mar 06, 2013 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Virus: Win32.Downloader.gen
Replies: 27
Views: 3504

Re: Retirement account advice

Bob's not my name wrote:Are you sure your Fidelity 401k gives you no access to Spartan funds?


Unfortunately it doesn't. I may be able to get my boss' ear after a few drinks in Las Vegas at a coming convention though :wink:
by pheleven
Wed Mar 06, 2013 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account advice
Replies: 6
Views: 543

Re: Retirement account advice

You are not eligible for a tIRA and should contribute to your Roth IRA for tax diversification. Your 401k options absolutely stink, sorry about that. I'd keep the Bond fund you are contributing to but would rethink the Overseas fund at 1.51%. To your questions: 1. This is a tough one. Those ERs are...
by pheleven
Wed Mar 06, 2013 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account advice
Replies: 6
Views: 543

Re: Retirement account advice

I suspect you are neither eligible for a deductible traditional IRA contribution nor at risk of the 28% bracket. I am not eligible for the tIRA, you're right - I didn't realize I was over the phaseout. I hit 28% in 2012, but wasn't fully funding my 401k (but was getting match), which will put me be...
by pheleven
Wed Mar 06, 2013 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account advice
Replies: 6
Views: 543

Retirement account advice

First, thank you all for all the knowledge thrown about these forums! I'm struggling a bit trying to make my (current) 401k be friendly with my portfolio, both from ER and future contributions... here's the breakdown: Emergency funds: ~6 months Debt: 83k mortgage @ 3.75% (29yrs left) Tax Filing Stat...
by pheleven
Wed Mar 06, 2013 3:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement account advice
Replies: 6
Views: 543

Re: Rent or Sell Condo?

My mortgage broker told me that I can't claim rental income against a new purchase unless I have 30% equity in the rental unit. I haven't thoroughly looked into this, nor would it hinder me in my next purchase, but it was an interesting fact (assuming it's true). So basically you need to be able to ...
by pheleven
Mon Mar 04, 2013 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell Condo?
Replies: 10
Views: 624

Re: is window 8 good ??

So does this mean I'll be forced, in effect, to trash my 2002 Dell Dimension 4550 running XP Professional (with a Pentium 4 2GHz processor and 2 GB RAM) by April 2014? I love this PC. :( I feel like I could run this thing almost indefinitely. And I've bought programs that probably won't transfer to...
by pheleven
Mon Feb 25, 2013 4:54 pm
 
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 3383

Re: Why do Vanguard and Fidelity have such weak passwords?

Working in computer security, this is disgusting to hear :annoyed Generally with the 3 strikes system, no, someone can't easily brute force your password, still if a hacker finds a weakness that lets them try more, this is bunk. The real (likely) risk comes more from someone getting the password has...
by pheleven
Sun Feb 24, 2013 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 5407

Re: Best place to keep emergency funds

FYI - My credit union advertises 2% APY on their checking w/ direct deposit. When I was looking at it closer (after it had been open for a while), it's 2% on the first $500 and then 0% on anything further... So I was earning .1% net for a while :oops: I assume they have something somewhere that has ...
by pheleven
Sat Feb 23, 2013 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best place to keep emergency funds
Replies: 10
Views: 1574

Re: Go For It? (House Purchase)

So I'm new here (cut me a little slack), but I think purchasing my home was a great deal, even though I ended up with some PMI. I found a REO, listed at 95k owned by Fannie. I got pre-approved for the maximum FHA loan. I offered 90k+3 points and they accepted. The lenders all balked at the 'minuscul...
by pheleven
Wed Feb 20, 2013 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Go For It? (House Purchase)
Replies: 20
Views: 1542

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