Search found 261 matches

by blueman457
Sun Oct 15, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 102
Views: 5121

Re: How does everyone keep track of your portfolio?

My wife and I have a number of investment accounts at different institutions (403b, 457s, 401a, Roth IRAs) and I STILL use a Excel spreadsheet to track prices and rebalance our asset allocation. I haven't figured out how to use the XIRR feature, so I technically don't know what my return is, but it'...
by blueman457
Mon Oct 09, 2017 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2 factor authentication - What if something happens to you?
Replies: 50
Views: 4044

Re: 2 factor authentication - What if something happens to you?

She probably shouldn't be using your login to access accounts. And for financial accounts, protocols exist (usually involve a death certificate and some forms) to give beneficiaries access. If you want to give her access to your email.... that may be a different story.

Blue Man
by blueman457
Sat Oct 07, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Medical Records - how to organize
Replies: 10
Views: 850

Re: Medical Records - how to organize

Organizing medical records can be intimidating, but definitely worth while long term. I deal with looking at charts/patients daily and for complex patients it's very helpful if they have the following information -medication list: name, dose, how many times a day, and for what illness -list of medic...
by blueman457
Thu Oct 05, 2017 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance is enough?
Replies: 11
Views: 1014

Re: How much term life insurance is enough?

After going through this exercise myself, it ended up 10x of gross income. There are many factors that go into it, but the rule of thumb worked out for me.

Blue man
by blueman457
Mon Sep 25, 2017 10:14 pm
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 946

Re: Transfering Data Between Cloud Providers

I have not done this but am interested in the answer. I'm in process of switching from Crashplan to Arq for backups. I'm currently using Arq with Backblaze B2 cloud storage and have started the lengthy upload over my slow home connection. One of the things that attracted me to Arq was the possibili...
by blueman457
Sun Sep 24, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Transfering Data Between Cloud Providers
Replies: 7
Views: 946

Transfering Data Between Cloud Providers

Q: Has anyone transferred data from one cloud provider to another? I am changing my online backup cloud provider from Amazon to (Google, Microsoft, etc...). I use back up software (Arq Backup) to backup my computer to my local external drive and Amazon Cloud. But I want to change cloud providers and...
by blueman457
Tue Sep 19, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5020

Re: Getting (young) kids interested in coding

My child is too young for any of these toys... but thanks for all the suggestions. I'd like for her to develop logic skills that can be useful in life. Blue Man Aren't we a bit condescending... It wasn't my intention - it's more than programming and logic skills aren't really "taught" in elementary...
by blueman457
Tue Sep 19, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Getting (young) kids interested in coding
Replies: 81
Views: 5020

Re: Getting (young) kids interested in coding

My child is too young for any of these toys... but thanks for all the suggestions. I'd like for her to develop logic skills that can be useful in life.

Blue Man
by blueman457
Thu Sep 14, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: New attending physician, what to do next?
Replies: 17
Views: 1775

Re: New attending physician, what to do next?

Congratulations! -What pre-tax accounts do/will you have access to in 2018? -I would knock out the student loan and the 3.9% auto loan, you can keep the other two -I view the HSA as different than regular retirement/savings account and do NOT count for it in my asset allocation. Invest what you like...
by blueman457
Tue Sep 12, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 958

Re: Need Cloud Back-Up Service For Mac

I use a piece of software called ARQ (https://www.arqbackup.com/). It allows me to backup a number of cloud providers (I currently use Amazon) but also to a local network drive. Encryption is 256-bit and I've done small restores (like folders and specific files, not a complete backup) without issues...
by blueman457
Sat Sep 09, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: At what point would you considering Umbrella Insurance
Replies: 37
Views: 3516

Re: At what point would you considering Umbrella Insurance

I have relatively low net worth, but relatively higher income. Purchased umbrella insurance.
by blueman457
Sat Sep 09, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11313

Anyone else freeze their credit score?

The Equifax hack was the straw the broke the camel's back. I froze my wife's and my credit at the 3 major bureaus and Innovis. It's going to be a pain to unfreeze it when we apply for a mortgage, but that is the life we live in now-a-days.

Anyone freeze their credit?

Blue Man
by blueman457
Tue Sep 05, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Credit card and now gmail hacked - what to do?
Replies: 8
Views: 1296

Re: Credit card and now gmail hacked - what to do?

Agree with the above.

Maybe an opportunity to turn on 2 factor authentication?

Blue Man
by blueman457
Tue Sep 05, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3598

Re: How do you track expenses ?

I have a Mac and use Bankitivity (previously ibank) to track my expenses. It works well, however I don't use it to track investments.

Blue Man
by blueman457
Mon Sep 04, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Paying Down Debt with Bonus?
Replies: 16
Views: 1595

Re: Paying Down Debt with Bonus?

Max out tax-deferred accounts, take a short celebratory vacation, and put the rest towards your loans.

Blue Man
by blueman457
Sun Sep 03, 2017 8:55 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16949

Re: Is Bogelheads getting less interesting?

I agree that there are a lot of consumer and travel posts that just don't interest me. But I hang around to help others rather than ask others for help. After you've solved the original problem for which you came here, don't you feel obligated to "pay it forard" by helping a few other people? And i...
by blueman457
Thu Aug 24, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6216

Re: I've fallen and I can't get up -- recommendations?

If he has an iPhone, an apple watch MIGHT work. If you hold down a side button, you are given an option to have it dial 911.

Blue Man
by blueman457
Wed Aug 23, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: At age 66, should let my $1MM life insurance policy lapse?
Replies: 32
Views: 4349

Re: At age 66, should let my $1MM life insurance policy lapse?

I agree with the other responses saying that it sounds like you don't *need* the insurance at this point. Just to play devil's advocate, though, I'll point out that you are probably getting a "good deal" on the last three years of your term policy. You paid your premiums in the early years of the p...
by blueman457
Mon Aug 21, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 3266

Re: Lastpass anyone use it?

I use it with 2 factor authentication. But I don't use it to storing banking and other sensitive passwords. Their encryption is strong but there can be flaws in their browser extension (as noted last year) that can compromise the security.

Blue man
by blueman457
Sun Aug 20, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4499

Re: Kitchen knife set. Good quality - Recommendations

We've had a Wusthof Classic set for > 10 years. We've used all the knives, but if you're going to get one all purpose knife, I'd get the Santoku.
by blueman457
Thu Aug 17, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12262

Re: Is it worth it? [demanding jobs vs time with family]

Wife and I are both relatively high income (although not necessarily by BH standards) and this topic has come up and we're still sorting out how it works. Right now we're trying to manufacture time and some of the ideas we've gotten (similar to previous posters): Some of the things we've thought of ...
by blueman457
Tue Aug 15, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8576

Re: Is $9000 too much for a sectional sofa ?

What's the next best option?

I'm not a sectional person per se, but $9000 on customized high quality furniture does not sound outrageous to me. Assuming all your other financial ducks are in a row and you've thought through other options, go for it.

Blue Man
by blueman457
Sun Aug 06, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Using a VPN for mobile internet
Replies: 8
Views: 905

Re: Using a VPN for mobile internet

I use a VPN with my iPhone when connecting to public wifi site. I haven't noticed any data consumption issues when using it domestically or abroad. I use TunnelBear which works pretty well (500mb free monthly) and is designed for the non-techie.

Blue Man
by blueman457
Sun Jul 30, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 2010

Re: Looking for a single speed commuter bike, less than $400?

OP here: thanks for the info so far. I'm ok with used bikes (would actually prefer as it would be cheaper), but as I'm scanning craigslist I'm still unsure which brands to look for per se. I've looked at Trek Civic City Brooklyn Bicycle Company ZF bikes and a few others Maintenance wise, I've been t...
by blueman457
Sat Jul 29, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Looking for a single speed commuter bike, less than $400?
Replies: 24
Views: 2010

Looking for a single speed commuter bike, less than $400?

I'm looking into biking into work a couple of days a week and need recommendations on brands or specific models to look at. My work is only about 5 miles away and on relatively flat land. I've done some internet searches and I'm looking for a single speed bike, NOT a fixie (although I'm ok with fixi...
by blueman457
Wed Jul 26, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Paypal Question
Replies: 9
Views: 788

Re: Paypal Question

Ah... cash gift cards, I learned my lesson before and will probably never buy one again because of the logistics of using the exact amount. I would recommend finding a retailer that you commonly use (groceries, gas, amazon.com, etc...) and see if they take paypal. Then buy a $250 gift card from that...
by blueman457
Sat Jul 22, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to use a non-government 457b?
Replies: 2
Views: 293

Re: How to use a non-government 457b?

One of the key questions to answer is how are distributions handled? As pointed out by this current thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=223986&newpost=3460852 distribution options for non-government 457 vary from plan to plan. If you have a take a lump for distribution, the ...
by blueman457
Sat Jul 22, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for 457b distribution
Replies: 9
Views: 714

Re: Advice for 457b distribution

How far are you from retirement? Is the company reliable enough for you to defer until retirement?

Blueman
by blueman457
Thu Jul 13, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Tipping packers/ movers for long haul move
Replies: 2
Views: 421

Re: Tipping packers/ movers for long haul move

I moved a couple of months ago and had the same question. After some internet searching and asking around, we ended up tipping $5-10/per hour per person. This was in New York City so prices might be more inflated.

Good luck on the move.

Blue Man
by blueman457
Mon Jun 26, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: Worth it to attempt repair on A/C condenser?
Replies: 33
Views: 2374

Re: Worth it to attempt repair on A/C condenser?

Sometimes happy wife --> happy life.
by blueman457
Wed Jun 21, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 305

Re: Need help building TSM with Blackrock funds

Forgot to search the wiki.... Thanks all.

Blue Man
by blueman457
Wed Jun 21, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 305

Need help building TSM with Blackrock funds

I'm trying to mimic Total Stock Market with my wife's retirement plan options - what is the appropriate ratio if I'm using the below funds? I searched for previous answers, but couldn't find one specific to my question. BlackRock Equity Index (S&P 500 index) Black Rock Mid-Cap (S&P 400 Mid-cap index...
by blueman457
Sun Jun 18, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 536

Re: TIAA Traditional Annuity - New 401a/403b option

Yes to replacing a bond fund. You'll need the liquid version to rebalance into stocks when the next crash comes. Yes also to the 3.5% question for today's contribution. As time goes on, TIAA tends to bunch vintages into multi-year spans as you see with 06 to 09. But the rates on older vintages tend...
by blueman457
Sun Jun 18, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6909

Re: So sick of it! [Paying off student loans]

I am in a similar situation (student loans $60k+, at 2.75% variable) with the same frustrations. After getting some advice on this forum, I've decided to wait 6 months until figuring out what I want to do (I'm trying to build up a down payment as well).

Good luck,

Blue Man
by blueman457
Fri Jun 16, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 53
Views: 5268

Re: USAA opinions. Worth it?

I currently have banking/insurance with them. -Banking: a few checking accounts, pretty typical interface. Nothing significant. I've always had good customer service unlike Bank of America, Chase, etc... HOWEVER, I still keep a checking account with Chase money orders, significant cash deposits, not...
by blueman457
Fri Jun 16, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 536

TIAA Traditional Annuity - New 401a/403b option

I discovered today that my new employer has a TIAA Traditional Annuity - Retirement Choice Plus Annuity as an option in my 401a/403b. Question: can it replace a bond fund? I have searched and read previous posts on this and called TIAA today. It is illiquid in my 401a (7 year payout should I leave),...
by blueman457
Thu Jun 15, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4722

Re: Best Cheap Champagne

Leemiller wrote:Veuve clicquot.
+1

Specifically: Veuve clicquot - Yellow Label.
by blueman457
Wed Jun 14, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Am I too far into the rabbit hole? (email with Gmail)
Replies: 29
Views: 4409

Re: Am I too far into the rabbit hole? (email with Gmail)

I moved on from gmail a few years ago, for similar reasons (using fastmail.com - excellent service). Will it really matter to google? Probably not, but it's one less person to mine data from. It's like voting in a landslide election, will it matter? Probably not, but you made your voice heard. Blue ...
by blueman457
Tue Jun 13, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 26
Views: 1978

Re: Multi-page scanner?

iPhone and Scanner Pro (by Readdle) app; more versitle with qualtity just as good as my MFP scanner which I rarely use anymore. Are your page scans straight ? And what about shadows ? Even for check scans, I find using a smartphone very tedious. I prefer to use my scanner for those too. My credit u...
by blueman457
Sat Jun 10, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 2177

Re: Best way to book multi-city international airfare itinerary?

I have looked at doing something like this before, 2 separate itineraries for an international flight, and the conclusion I got (from calling and internet forums) was that the airline will not honor that a missed connection and automatically re-book. I cannot remember what airline it was. Options: 1...
by blueman457
Fri Jun 09, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 5307

Re: (Very) Early Retirement vs Parenthood

33 years old? You've got time to think about it. Seriously. No rush.

Enjoy life.

Blue Man

P.S. I do have an infant child, and yes it changes your life... for many people better, for many people worse.
by blueman457
Wed Jun 07, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 4339

Re: Suit for residency interviews

Good dark colored- fitted suit and relatively conservative tie (I'm assuming you're a male), and that's about it. I've gone to Men's Wearhouse, Macy's, and higher end as I've gone up the pay scale. Just make sure it gets fitted/tailored because you'll probably wear the suit to other occasions so you...
by blueman457
Tue Jun 06, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds in Roth
Replies: 7
Views: 751

Re: Ibonds in Roth

Ibonds are state/local tax exempt and federal taxes can be deferred until they are cashed in. It not that advantageous to put iBonds in a Roth IRA; you may want to consider other bonds if you need bonds in your Roth. However stocks and other higher earning investments are considered a better choice ...
by blueman457
Sat Jun 03, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4438

Re: Need new Router/Wifi Networking Ideas

I ended up finding a cheap apple airport to extend my network. I want to upgrade my router/NAS/backup/sync at some point in the next 12 months so I don't want to spend a lot of money on a mesh network until I figured out what I wanted to do.

Thanks,

Blue Man
by blueman457
Fri Jun 02, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using onelogin change their passwords NOW
Replies: 2
Views: 506

Re: Anyone using onelogin change their passwords NOW

That's no good.

Question: why was there even a feature to allow for server side decryption of the passwords?!?!?
by blueman457
Tue May 30, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3996

Re: Using LastPass to Manage Passwords

When it comes to passwords, I've been old-fashioned, in that I have all my passwords written on a piece of paper and hidden in a safe location. I'm starting to think that the "invent my own password and manually type in" method may not be the most secure. My main concern is financial accounts in wh...
by blueman457
Tue May 30, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Maximize tax-efficient accounts before debt payment?
Replies: 22
Views: 1732

Re: Maximize tax-efficient accounts before debt payment?

If you are absolutely committed to living like a resident (well, you kind of have to), then maximize your contributions to your tax-advantaged account, refinance your loans, then pay them off in 4 years. Just stay absolutely disciplined- have some of your direct deposit go directly to your loans so ...
by blueman457
Mon May 29, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 55
Views: 7310

Re: Career Issue -- How do I recover?

Good to know things worked out in the end.
by blueman457
Mon May 29, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 7292

Re: Cell phone service abroad

Now, so that this semi-rant is at least partially actionable, let me ask: has anyone had success using a Samsung phone in Jamaica with a Digicel SIM? DW and I have a trip there upcoming in the fall, and I think I'll forego trying T-Mobile again. :annoyed Here's our actionable suggestion (our entire...