Search found 270 matches

by blueman457
Sun Dec 03, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5821

Re: It's that time of year again... buying christmas gifts

Not a fan of forced giving during Christmas. With my family, it took a while but we only exchange gifts when my immediate family is together. It's a secret santa style with a $75 or $100 cap and each person has to submit a wish list. We get gifts for our nieces and nephews as they aren't a part of t...
by blueman457
Sun Dec 03, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: About to take out Term Life Insurance - Questions for Bogleheads
Replies: 11
Views: 1079

Re: About to take out Term Life Insurance - Questions for Bogleheads

The rates seem a bit high. I used term4sale and got slightly lower rates. In terms of coverage, think about major expenses and what you want to provide for and what not. I did this exercise when my daughter was born; and it ended up fitting the rule of thumb of 10x income. We could probably gone dow...
by blueman457
Wed Nov 29, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2893

Re: Don't leave your mac unattended! It has zero security now.

Patch issued.

https://support.apple.com/en-us/HT208315

It seems like the patch worked (at least on my macbook)
by blueman457
Tue Nov 14, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Did you want to set up a payment plan for that?
Replies: 19
Views: 2443

Re: Did you want to set up a payment plan for that?

I pay upfront for cellphones (despite the 0% financing) for the credit card warranty extension.

Blue man
by blueman457
Sat Nov 11, 2017 5:32 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7870

Re: Do you meditate?

My wife and I recently attended a conference titled, "The Heart and Science of Yoga," done by Leonard Perlmutter and the American Meditation Institute. During the week, we were introduced to the practice and science behind meditation, easy and gentle yoga, healthy and mindful eating, etc. Couldn't ...
by blueman457
Sat Nov 11, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7012

Re: Swedish Death Cleaning [De-clutter your home]

When downsizing (for us it was moving to NYC) you realize what's important and what's not. We didn't regret getting rid of old things and now that we have a slightly larger apartment, we're actively fighting to accumulate unnecessary "stuff." Having a young child makes it harder because kids need to...
by blueman457
Wed Nov 01, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Opportunity Cost: pay off student loan 3% or save for down payment 4%+ mortgage
Replies: 9
Views: 1123

Re: Opportunity Cost: pay off student loan 3% or save for down payment 4%+ mortgage

Just an update:

I paid off my student loans!

Granted it may mean that we have less of a down payment next year (should we pursue a home), but at least one piece of my debt puzzle is solved.

Blue Man
by blueman457
Sun Oct 29, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Basic money management s/w for a mac-based millennial English major?
Replies: 21
Views: 1351

Re: Basic money management s/w for a mac-based millennial English major?

I use Bankitivity... a tad easier to use than Quicken.

Mint.com may be an alternative.
by blueman457
Fri Oct 27, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: 401A, 403B, Roth IRA's, and Pofit Sharing...Oh My!
Replies: 5
Views: 342

Re: 401A, 403B, Roth IRA's, and Pofit Sharing...Oh My!

The 401a component does not affect the amount you can set aside in your 403b. You can contribute the full $18k to your 403b.

Blue Man
by blueman457
Sun Oct 15, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 7540

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: 4478

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: 967

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: 1077

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: 1003

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: 1003

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: 5508

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: 5508

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: 1881

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: 1102

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: 3811

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: 12108

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: 1388

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: 3937

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: 1722

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: 18404

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: 6490

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: 4552

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: 3530

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: 4895

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: 13070

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: 9551

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: 969

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: 2197

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: 2197

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: 882

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: 324

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: 776

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: 448

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: 2616

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: 328

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: 328

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: 584

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: 7246

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: 5691

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: 584

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: 5207

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: 28
Views: 4614

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: 2191

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: 2346

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...