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Re: Best way to get a car loan

I sent an email to penfed and they almost immediately got back to me. I have donated blood so can open an account for free. I would have to keep at least $5 in my account. The lock lasts 90 days. Seems like a good option but will see what the other rates are too.
by sunnyday
Sun Apr 20, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Best way to get a car loan
Replies: 8
Views: 505

Electronic sheet music

A friend of mine sings and plays the guitar. He has all of his music on paper with the chords written above the lyrics. Is there a better way to do this electronically (app or specific device). He has a nook or he may be willing to buy him a separate sheet music specific device if that's better. Eas...
by sunnyday
Sun Apr 20, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Electronic sheet music
Replies: 0
Views: 79

Re: Best way to get a car loan

Thanks for the feedback. The process seems easier than I expected. Can civilians open a usaa account? I believe penfed cost $20 to open an account for civilians. Anyway, I'll shop around
by sunnyday
Sun Apr 20, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Best way to get a car loan
Replies: 8
Views: 505

Best way to get a car loan

Any tips for getting a new car loan? Is the process similar to a mortgage - shop around, apply and lock, then close? What is a typical length that you can lock in a rate for? Please note that I'm choosing to finance because of the low rates. Please don't respond that taking out a car loan is a bad c...
by sunnyday
Sat Apr 19, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Best way to get a car loan
Replies: 8
Views: 505

Re: Does Mint.com randomly access your account?

Oy the paranoia on here. Yes mint accesses your account at random times. Many others have explained why. As for the "you invalidate all legal protections giving out your password" yes the legal documentation says that. In practice if mint or any of these other services were ever penetrate...
by sunnyday
Mon Apr 14, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1950

Re: Does Mint.com randomly access your account?

As far as security, I'm not a fan of giving a third party all of my financial passwords especially if they hold the decryption keys (I only linked my spending accounts to Mint). There's no way the benefit outweighs the risk for me The question was about "randomly." There is a difference be...
by sunnyday
Mon Apr 14, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1950

Best car comparison website

What's the best site for comparing a bunch of cars? I'm looking to compare price, gas mileage, safety, warranty and some more specific things like ground clearance and interior dimensions for 5-10 cars.
by sunnyday
Sun Apr 13, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Best car comparison website
Replies: 4
Views: 555

Re: Does Mint.com randomly access your account?

I'll probably delete my account if they randomly try to access my bank account. It's not really a big deal, I just hardly use Mint anymore anyway Again, it is not random, it is a feature/product design/reason for being. If that isn't helpful to you, just stop using Mint. I use Mint for the reasons ...
by sunnyday
Sun Apr 13, 2014 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1950

Re: heartbleed - widespread internet security problem

Based on the explanation of the bug, I can't believe the idiot programmers allowed it in the first place. By "explanation of the bug", do you mean the simple depiction that a 5 year old could understand? Have you looked at the code? It may be slightly more complex :wink: I don't think the...
by sunnyday
Sat Apr 12, 2014 1:49 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: heartbleed - widespread internet security problem

^ My point wasn't that on a whole proprietary is better or vice versa. But for this specific example I think it was it was a big oversight for multi-billion dollar companies to use the flawed technology (especially considering OpenSSL has such a small team). There's too much at stake IMO. Granted, a...
by sunnyday
Sat Apr 12, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: Does Mint.com randomly access your account?

Just my 2 cents, but if you're concerned about having 3rd parties access this information, maybe Mint.com isn't for you...it is the M.O of the entire site. I use Mint to track my finances, not for fraud alerts so I disagree that fraud alerts is their M.O. Get a handle on your finances the free and ...
by sunnyday
Sat Apr 12, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1950

Re: Does Mint.com randomly access your account?

Most people would overall view this as a feature of Mint (or financial engines) - For Mint how can they warn you of suspicious purchases or have updated information ready if they don't periodically log in and look? I personally don't consider that a benefit. My bank does a much better job monitorin...
by sunnyday
Sat Apr 12, 2014 9:09 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1950

Re: heartbleed - widespread internet security problem

^ I agree. I'm just surprised the releases for something like this aren't examined more. Instead multi-billion dollar companies seem to assume it works without bugs and put it into production. Even the companies that donate to use it, donate a very small amount of money. To me it seems like open sou...
by sunnyday
Sat Apr 12, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Does Mint.com randomly access your account?

I changed my checking account password yesterday and got a text message that my Member Access sign on attempt at 3:45 has failed. I have Mint.com linked to my checking account so I bet that's what it is. However, that's surprising that Mint.com would try to access it without me signing in. I may can...
by sunnyday
Sat Apr 12, 2014 7:38 am
 
Forum: Personal Consumer Issues
Topic: Does Mint.com randomly access your account?
Replies: 25
Views: 1950

Re: heartbleed - widespread internet security problem

I just read how OpenSSL is worked on by a handful of parttime coders. That's pretty shocking considering how widely used it is.
by sunnyday
Fri Apr 11, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: heartbleed - widespread internet security problem

May, or may not, be related to this bug. If one has the key why not go for the money? What do you mean key? There are probably millions of hackers going for the money right now. It's a not like they were given a key directly to a bank vault though That's exactly my point. There are probably million...
by sunnyday
Fri Apr 11, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: heartbleed - widespread internet security problem

Tycoon wrote:
May, or may not, be related to this bug. If one has the key why not go for the money?


What do you mean key? There are probably millions of hackers going for the money right now. It's a not like they were given a key directly to a bank vault though
by sunnyday
Fri Apr 11, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: Basic Home Theater System Recommendations

I can't find a manul for it on the Sony website. I can't tell what it is. From the pictures, it looks like a Blu-ray player with speakers. Edit: Found the manual. It is Blu-ray player with the ability to drive speakers. It is like a soundbar with a Blu-ray player. That is not what I would think of ...
by sunnyday
Fri Apr 11, 2014 12:16 pm
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 941

Re: Basic Home Theater System Recommendations

After doing some searching, the HDMI input option seems very tough to find. One option could be just getting a Blue-ray player with HDMI input and ZVOX for sound. However, the only blueray player with HDMI input that I've found so far is $499. If there aren't any for around $100, I don't mind using...
by sunnyday
Fri Apr 11, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 941

Re: Basic Home Theater System Recommendations

After doing some searching, the HDMI input option seems very tough to find. One option could be just getting a Blue-ray player with HDMI input and ZVOX for sound. However, the only blueray player with HDMI input that I've found so far is $499. If there aren't any for around $100, I don't mind using...
by sunnyday
Fri Apr 11, 2014 10:48 am
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 941

Re: heartbleed - widespread internet security problem

Taking a cautious approach, would most people recommend: Change all passwords and security questions for all financial institutions just to be safe? What statements should be printed (or downloaded) just incase there's some sort of a doomsday? And we can just hope that the financial institutions hav...
by sunnyday
Fri Apr 11, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: Basic Home Theater System Recommendations

After doing some searching, the HDMI input option seems very tough to find. One option could be just getting a Blue-ray player with HDMI input and ZVOX for sound. However, the only blueray player with HDMI input that I've found so far is $499. If there aren't any for around $100, I don't mind using ...
by sunnyday
Fri Apr 11, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 941

Basic Home Theater System Recommendations

I'm thinking about picking up a zvox soundbase speaker (from my previous post about sound bars) but am now considering getting an all in one home theater system instead. What I would like the system to do in order of importance: 1. Have a dvd player 2. Have HDMI and Digital Optical Audio inputs 3. H...
by sunnyday
Fri Apr 11, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Basic Home Theater System Recommendations
Replies: 18
Views: 941

Re: Server Admins - how to check for OpenSSL?

^ it's my understanding that the scans aren't 100% accurate. Either way, I'm just curious how to check if my server uses OpenSSL. Seems like it would be very simple, yet the answer is hard to find. http://curah.microsoft.com/64131/heartbleed-vulnerability-and-microsoft-productsservices Great, thank...
by sunnyday
Thu Apr 10, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Server Admins - how to check for OpenSSL?
Replies: 5
Views: 336

Re: Server Admins - how to check for OpenSSL?

^ it's my understanding that the scans aren't 100% accurate. Either way, I'm just curious how to check if my server uses OpenSSL. Seems like it would be very simple, yet the answer is hard to find.
by sunnyday
Thu Apr 10, 2014 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Server Admins - how to check for OpenSSL?
Replies: 5
Views: 336

Server Admins - how to check for OpenSSL?

I've installed a couple of secure certificates (from GoDaddy) on one of my web servers. The sites check out fine on the Qualys SSL Test, but how do I check if they use OpenSSL and if so what versions? I've done a few google searches, but everything is turning up about the client side of things. Also...
by sunnyday
Thu Apr 10, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Server Admins - how to check for OpenSSL?
Replies: 5
Views: 336

Re: heartbleed - widespread internet security problem

However, can't sites update their certificates without it changing the certificate date: Gmail's cert shows - "Not valid before Wednesday, March 12, 2014 at 5:44:52 AM Eastern Daylight Time" . Facebook shows February 7, 2010. Both sites are on the Mashable hit list - http://mashable.com/2...
by sunnyday
Thu Apr 10, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: heartbleed - widespread internet security problem

Maybe it's time VG offered two-factor auth? And every other bank/broker site... Definitely If you see that a site has a new certificate date, that's a good signal to change your password. Great recommendation -- if a site shows a new certificate date, definitely change your password. However, can't...
by sunnyday
Thu Apr 10, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16198

Re: How to encrypt files for backup?

I found out that JungleDisk (a rackspace company) specializes in encrypted storage for relatively cheap. Seems like a good option
by sunnyday
Thu Apr 10, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1219

Re: How to encrypt files for backup?

Thanks for the replies. I'll start looking into the options.

A bit more information is:

Some files will be very large - over 20 gigs
I'd like to automate the process as much as possible
It would be great if the files can be decrypted from any computer (not just a mac)
by sunnyday
Thu Apr 10, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1219

Best service to stream new release movies?

What's the best service in terms of price, selection and ease of use (including on demand but excluding netflix and redbox)?
by sunnyday
Thu Apr 10, 2014 8:44 am
 
Forum: Personal Consumer Issues
Topic: Best service to stream new release movies?
Replies: 1
Views: 245

Re: How to encrypt files for backup?

Thanks, I'll check it out. I'm on a Mac.

Ideally I'd like something somewhat simple so my coworkers can also easily decrypt the same files.
by sunnyday
Wed Apr 09, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1219

How to encrypt files for backup?

I'd like to encrypt some files and then store them in a 3rd party backup location. The encryption doesn't need to be anything extreme, a basic password would do. Any recommendations on how to go about this?
by sunnyday
Wed Apr 09, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: How to encrypt files for backup?
Replies: 22
Views: 1219

Re: New TV or Sound bar?

After doing some more research I think I'm going to go with a ZVOX SoundBase 220 and get this HDMI switch - http://www.monoprice.com/Product?c_id=101&cp_id=10110&cs_id=1011001&p_id=8148&seq=1&format=2 I may also get a Bluetooth receiver, but don't really want one extra thing to p...
by sunnyday
Wed Apr 09, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2144

Re: New TV or Sound bar?

Some great info. I was also wondering if any has experience with sonos? I may be able get a good discount on a sonos speaker / system. Sonos systems are great. Highly recommended. Where can you get a discount on Sonos? I never see them go on sale. I have a friend who works there. He told me about a...
by sunnyday
Wed Apr 09, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2144

Re: New TV or Sound bar?

Some great info. I was also wondering if any has experience with sonos? I may be able get a good discount on a sonos speaker / system.
by sunnyday
Wed Apr 09, 2014 7:05 am
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2144

Re: New TV or Sound bar?

Thanks, great info. I'll do some research on the zvox systems. They get great reviews on Amazon and seem to have multiple features which would be a nice plus. Also, they're more narrow than a typical sound bar so I could set it on top my dvd player instead of having to put it on top of my entertainm...
by sunnyday
Tue Apr 08, 2014 11:42 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2144

New TV or Sound bar?

I have a Panasonic Viera TH50PX80U 50" Plasma HDTV. The picture still looks great but the sound (especially with movies) often sounds muffled to the point where it needs to be turned up pretty loud to hear what people are saying. When I bought the TV (5 years ago) the only consistent negative r...
by sunnyday
Tue Apr 08, 2014 11:13 pm
 
Forum: Personal Consumer Issues
Topic: New TV or Sound bar?
Replies: 38
Views: 2144

Re: How is social security calculated?

http://www.bogleheads.org/forum/viewtopic.php?f=2&t=101505&p=1470620 Just repeat the process you did in 2012. I can't wait for 2016. :) I'm looking to dig a bit deeper this year -- looking for the formulas instead of just an estimator :sharebeer PIA formula For an individual who first becom...
by sunnyday
Tue Apr 08, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is social security calculated?
Replies: 21
Views: 1193

Re: California Taxes - Am I Missing Something?

OP, I too was surprised when I ran my own numbers and realized my state income taxes would be cheaper in California.

I love California. There are a lot of people who give the "oh it's too expensive" but there are some things in life that are worth paying more for.
by sunnyday
Tue Apr 08, 2014 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 8134

How is social security calculated?

I'm planning to retire early and looking for a real rough estimate of what my ss benefit will be.
by sunnyday
Tue Apr 08, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is social security calculated?
Replies: 21
Views: 1193

Re: What to do with Win computers?

I would donate the unused computers and write it off on your taxes. I just donated my old computer, a couple modems and wifi routers to a local charity that gives computers to kids who need them. Much easier than selling on eBay or craigslist and probably the same financially since no one is going t...
by sunnyday
Sun Apr 06, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 2194

Re: Tax Deductions on Donated Business Equipment

Did you depreciate the computer, or expense it using Section 179? If you did, and you have no basis remaining, then the donation has no "value" since in order to claim the $300 value, you'd need to recapture $300 worth of depreciation and it would be a wash. If you partly depreciated the ...
by sunnyday
Sat Apr 05, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions on Donated Business Equipment
Replies: 2
Views: 92

Tax Deductions on Donated Business Equipment

I bought an $1100 computer years ago for my freelance work and included it as a business expense. I just donated the computer to a charity that provides underprivileged kids with computers. I put $300 for an estimated value. I may, but probably won't have any freelance income this year so I won't ne...
by sunnyday
Sat Apr 05, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Deductions on Donated Business Equipment
Replies: 2
Views: 92

Re: somoene filed a return with my spouses SSN?

This is another excellent reason to adjust your withholding so you don't get a refund. JW I don't think that makes a difference since the fraudster can just fudge the numbers to give big returns. It's too bad the IRS isn't cracking down on this more. No difference to the fraudster, but it certainly...
by sunnyday
Sat Apr 05, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 1768

Re: somoene filed a return with my spouses SSN?

Can one get a PIN pro-actively *before* any tax identity theft actually takes place, or does IRS just issue those after the fact? RM This is a great question. Not yet, unless you've already been scammed or were invited to sign up for the pilot - http://www.irs.gov/uac/Get-An-Identity-Protection-PIN
by sunnyday
Sat Apr 05, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 1768

Re: somoene filed a return with my spouses SSN?

JW Nearly Retired wrote:This is another excellent reason to adjust your withholding so you don't get a refund.
JW


I don't think that makes a difference since the fraudster can just fudge the numbers to give big returns. It's too bad the IRS isn't cracking down on this more.
by sunnyday
Sat Apr 05, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: somoene filed a return with my spouses SSN?
Replies: 22
Views: 1768

Re: Best TV Shows and YouTube channels related to money?

Onyxmeth wrote:Related to money in what way? Just any shows that have some element of money in it as somewhat of a focal point? I watch Bar Rescue and Pawn Stars occasionally.


Related to money in a way that you can learn something from it.
by sunnyday
Fri Apr 04, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1075

Best TV Shows and YouTube channels related to money?

What are your favorites?

I enjoy watching American Greed on CNBC.
by sunnyday
Fri Apr 04, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Best TV Shows and YouTube channels related to money?
Replies: 13
Views: 1075

Re: Home Search: how flexible should we be? 2x-2.5x

2.5x HHI is very reasonable and safe for a couple in good financial health, IMO. I would go with the dream home. If you spend .4x less, you may not be happy with the minimum requirements home and decide to move in 1-3 years. If that's the case, it may be a bad financial decision to have bought. Inst...
by sunnyday
Fri Apr 04, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Search: how flexible should we be? 2x-2.5x
Replies: 10
Views: 1127
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