Search found 350 matches

by wassabi
Tue Oct 10, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2478

Re: Email Security after equifax breach

A couple thoughts to keep in mind as you ponder email security: Don't rely on Google Voice. Google has a history of killing off programs and they can certainly do the same with Google Voice. Google Voice is not a big source of revenue for them which makes it an even bigger target Consider switching ...
by wassabi
Tue Sep 12, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Wellington/Wellesley diversification help
Replies: 18
Views: 2451

Re: Wellington/Wellesley diversification help

What is your desired Asset Allocation Plan? Without one, you will just be collecting a bunch of funds. Exactly. OP, figure out your desired asset allocation, pick the funds that will deliver that allocation, and then don't touch anything for a long time. It's easy to overthink your situation and es...
by wassabi
Mon Sep 04, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Where To Park Your Emergency Fund At Vanguard?
Replies: 17
Views: 4076

Re: Where To Park Your Emergency Fund At Vanguard?

You might want to check out this post here: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=225741&p=3493959#p3493715 to read the many, many threads started by another forum member on this subject and all of the responses he received. I think it could be very helpful to you, as you and he have...
by wassabi
Fri Aug 25, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 40
Views: 6021

Re: Amazed by Vanguard Wellington's Performance

Here's an example of Wellington compared to 65/35 stock/bond index. In 2015, it looks like Wellington paid out around 6% in income. Any idea how when bond rates were so low then and high yield dividend stock were paying half that on average? I'm confused about Wellington's income. [Link here] In 20...
by wassabi
Fri Aug 25, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 40
Views: 6021

Re: Amazed by Vanguard Wellington's Performance

One thing I've noticed when backtesting Wellington on portfoliovisualizer.com is that the income is significantly higher than other similar funds and index allocations (e.g., 65% VTSMX and 35% VBMFX). If I run $100,000 from 1994-2017, the income from the fund in recent years is somewhere around 5-6...
by wassabi
Fri Aug 25, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Who Do You Trust for Disability/Life Insurance
Replies: 10
Views: 1087

Re: Who Do You Trust for Disability/Life Insurance

tj wrote:
Thu Aug 24, 2017 9:28 pm
I was 40 when I got the policy for $500k and pay $340/yr.
That's odd. The website says $90/year.

https://www.lfg.com/public/individual/e ... llevelterm
I believe policy fees are included in the final rate.
by wassabi
Thu Aug 24, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Who Do You Trust for Disability/Life Insurance
Replies: 10
Views: 1087

Re: Who Do You Trust for Disability/Life Insurance

I have been looking into getting short term/permanent disability insurance. If they can also bundle in some life insurance for not too much extra, that would be a plus. I am in my early 30's, fit, healthy, no family history of illness, and do not have a family yet. I live in California and my emplo...
by wassabi
Thu Aug 24, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 40
Views: 6021

Re: Amazed by Vanguard Wellington's Performance

One thing I've noticed when backtesting Wellington on portfoliovisualizer.com is that the income is significantly higher than other similar funds and index allocations (e.g., 65% VTSMX and 35% VBMFX). If I run $100,000 from 1994-2017, the income from the fund in recent years is somewhere around 5-6%...
by wassabi
Thu Aug 24, 2017 4:41 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31464

Re: What to do when a parent's money runs out?

You've done enough. She is not entitled to this house. Just because she loves it does not mean you should have to keep paying for it. It's very simple: she can't afford to live there, so she must move. You are very generous for offering to fund her moving expenses. Don't feel bad - you're doing enou...
by wassabi
Wed Aug 23, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7029

Re: Crashplan for Home ending service late 2018

Switched from Crashplan to Arq a couple of years ago and have been pretty happy. Currently going to Amazon, but will switch to Wasabi or Backblaze at the end of this term since they are cheaper now. Here is who they support: https://www.arqbackup.com/documentation/pages/strategy.html Same here. Lov...
by wassabi
Sun Aug 20, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16031

Re: Jobs that pay over $100,000

My friends and I are under 30, have the same liberal arts degrees, and work in Washington, DC: Some make more than $100,00 per year as federal or business consultants. Others are doing well as cybersecurity analysts ($100,000+ per year, huge market). Some make more than $150,000 per year in total c...
by wassabi
Sun Aug 20, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13582

Re: I own no international stocks. Can you guess why?

Dottie57 wrote:
Sun Aug 20, 2017 11:28 am
You've given it away to family.
:thumbsup
Good guess. To family or charity.
by wassabi
Thu Aug 17, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8764

Re: ObamaCare 2018

So where do people get health insurance if their job doesn't offer it and there is essentially no network in their state through ACA? Are people still able to apply directly to the providers or is it a requirement to use the ACA market if one needs insurance? The plans in my state aren't that diffe...
by wassabi
Thu Aug 17, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8764

Re: ObamaCare 2018

Interesting points about negotiated rates. I didn't think about this previously, but if a person has a $5,000 deductible and a medical visit normally costs $300 but the negotiated rate is $100 then the insured person is only responsible for paying the $100 (provided the deductible has not been met)....
by wassabi
Thu Aug 17, 2017 4:35 am
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8764

Re: ObamaCare 2018

It's going to be a race to the bottom in most states this year. Which company can provide the worst network at a price that people still find halfway reasonable? Anthem BCBS just announced they're leaving VA, and Aetna and United Healthcare already did the same. Something like 80-90% of my clients ...
by wassabi
Sat Aug 12, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2241

Re: Backup of Sensitive Information

Arq backs up my files every hour and retains old versions in case I delete or break something. This is a critical step. Without versioning, all one has is a mirror. Anything bad that happens on the original risks being done on the "backup" copy. That's an inefficient way to version, though, unless ...
by wassabi
Sat Aug 12, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2241

Re: Backup of Sensitive Information

I use Arq backup software to encrypt my files locally and backup to OneDrive. I only use OneDrive because I have a fee terabyte through Office 365. Arq works with Amazon, google, and quite a few others. Arq is local software that backs up your files, encrypts them locally, and then sends them to the...
by wassabi
Tue Aug 08, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Climate Controlled Storage Units
Replies: 8
Views: 739

Re: Climate Controlled Storage Units

Definitely climate controlled in D.C. area. I had one last year and it worked very well. Concrete floors, clean, nice. Problem is, they tend to jack up the rates every year and if you need it three years you might be stuck.
by wassabi
Thu Jul 27, 2017 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Quit my 6-figure job?
Replies: 84
Views: 9175

Re: Should I Quit my 6-figure job?

I left a 6 figure job when I was in my early 30's hated it. I tried a few others things that eventually convinced me that the grass wasn't greener somewhere else and happiness was within me. So I started a business. That was 21 years ago. Never looked back after that. This comment makes a lot of se...
by wassabi
Sat Jul 22, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: if spreadsheet with account balances goes to hackers?
Replies: 11
Views: 1138

Re: if spreadsheet with account balances goes to hackers?

I'm very cautious in my approach to managing technology and my identity, etc. However, I've used a google spreadsheet for my finances or the last ten years or so and don't plan on moving away from it. I keep the same information you describe - account names, values, ticker symbols but definitely no ...
by wassabi
Sun Jun 25, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: Bitcoin in the event of owner death
Replies: 10
Views: 1369

Re: Bitcoin in the event of owner death

Why not store the private keys in password software such as lastpass or 1password? You said it's a "small amount" of bitcoin, so depending on how much it might not be worth taking too many measures to protect the keys. For example, you can print the private keys on a sheet of paper and slip that pap...
by wassabi
Sun Jun 25, 2017 5:32 am
Forum: Personal Consumer Issues
Topic: Travel to Kazakhstan - Health Insurance
Replies: 12
Views: 1464

Re: Travel to Kazakhstan - Health Insurance

I always pick up a travel plan from world nomads or a AIG directly. The plan covers a lot of medical services that my insurance won't cover out of the country, including flying someone out to stay bedside if I am hospitalized and up to $1M to fly me home on a medical flight in an emergency. The pric...
by wassabi
Tue Jun 20, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 7522

Re: AAA Cost

How much does everyone pay for AAA? My understanding is that varies state by state. We just got a renewal invoice for $190 for my wife and I for the AAA Plus membership, which seems high. Even the basic membership would be $120 for the two of us. Is there any way to get a discounted membership? Doe...
by wassabi
Tue Jun 20, 2017 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance and (declining) Income
Replies: 5
Views: 751

Re: Disability Insurance and (declining) Income

I didn't know I could reduce the coverage amount after I had locked in coverage. Thanks for the replies!
by wassabi
Mon Jun 19, 2017 3:55 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance and (declining) Income
Replies: 5
Views: 751

Disability Insurance and (declining) Income

I'm considering disability insurance but my job situation is likely changing in the next six months. Right now I make around $130k but expect that my salary will drop significantly in my next job (possibly to $85k). There are several reasons but it primarily comes down to a quality of life change an...
by wassabi
Thu Jun 15, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 4265

Re: Privacy vs $$$$

Use Tor as your browser and DuckDuckGo as your search engine. .... I have a family member who's very tech-savvy who says Tor is NOT private. Because it's used heavily by "drug dealers and pedophiles", about 1/3 of the nodes are FBI or other law-enforcement. From an end-user standpoint, I guess this...
by wassabi
Sat May 13, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4968

Re: Best cities for older tech workers?

Northern VA is not bad for older tech workers. There are a lot of tech opportunities but not as much of the younger, entrepreneurial culture that you find in Silicon Valley. Federal contracts (and contractors) tend to pay less, utilize slower development cycles, and use older technologies. This can...
by wassabi
Sat May 13, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4968

Re: Best cities for older tech workers?

Northern VA is not bad for older tech workers. There are a lot of tech opportunities but not as much of the younger, entrepreneurial culture that you find in Silicon Valley. Federal contracts (and contractors) tend to pay less, utilize slower development cycles, and use older technologies. This can ...
by wassabi
Sun Apr 30, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Renters Insurance
Replies: 3
Views: 622

Re: Renters Insurance

The minimum coverage for renter's insurance is often dictated by the landlord. I rent a condo that is probably worth about $330k and my insurance is through USAA. I don't have many valuables in my condo, so I got the minimum coverage. My annual premium for 2017-2018 is $55. My coverage includes: Per...
by wassabi
Sun Apr 30, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market Fund (VMMXX)
Replies: 24
Views: 4065

Re: Vanguard Prime Money Market Fund (VMMXX)

I don't know about OP's tax rates but you may want to also consider VMSXX ( Vanguard Municipal Money Market Fund ) which has an SEC yield of 0.78%. A comparable taxable MM fund would have to have a yield of 1.08% ( at 28% Fed tax rate). I would choose VMSXX over VMMXX in that case. How does a munic...
by wassabi
Fri Apr 28, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 155
Views: 40900

Re: Time to reach 1M and 2M milestones

- At the end of 1989, at age 40, I had about $80k invested, 75% retirement funds. (This was after 7 years at a 'real' job and was 1.5x my salary.) - At the end of 1999, at age 50, I had a million invested. 78% retirement funds. - 2007, $1.6M (lost $700k by March 2009 but held firm) - At the end of ...
by wassabi
Wed Apr 26, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Investing $1M
Replies: 57
Views: 7206

Re: Investing $1M

I totally subscribe to buying and holding low-cost index funds and withdrawing for income. However, now just does not seem to be a good time to enter the market. I understand your view. I've been slowly increasing my stock position to get it where it needs to be but have been concerned because the ...
by wassabi
Sat Apr 22, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Moving... and U-haul trucks are expensive!
Replies: 25
Views: 2947

Re: Moving... and U-haul trucks are expensive!

I looked into this before when a queen mattress was the largest item I had and the vans from Enterprise rental were supposedly big enough. I never did rent the van, so I can't confirm with 100% certainty, but numerous Enterprise people told me the van fits a queen mattress.
by wassabi
Fri Apr 21, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Schwab Target Index Funds Investor Shares drop (.08%)
Replies: 21
Views: 2287

Re: Schwab Target Index Funds Investor Shares drop (.08%)

Schwab's new Total Bond Fund (SWAGX) and all the recent ER drops together with the excellent Investor Checking service make them extremely competitive with Vanguard. I have accounts at both but the majority of my assets with Vanguard. I'm not going to switch everything over the Schwab yet, but it's ...
by wassabi
Fri Apr 21, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 535
Views: 208417

Re: TV show recommendations?

stoptothink wrote:
wassabi wrote:I've been really enjoying Vikings. It can be a little violent, so not for the faint of heart.


It is my wife's favorite show. She named our son after the show. We just finished Goliath (Amazon Prime) and it was very good.



I'll add Goliath to my list!
by wassabi
Fri Apr 21, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1743

Re: Can Power of Attorney override POD designations?

I'm power of attorney for someone and can absolutely change beneficiaries, POD, TOD, etc. Doing so would set me up for a lot of scrutiny by family members and potentially even a lawsuit, but I do have the power to make the change. A POA can be issued with narrow or more specific/limited powers, but ...
by wassabi
Fri Apr 21, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 535
Views: 208417

Re: TV show recommendations?

I've been really enjoying Vikings. It can be a little violent, so not for the faint of heart.

Also watching The Crown and very much enjoying it.
by wassabi
Mon Apr 17, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 41
Views: 4887

Re: All in with Balanced Index fund

So I took the plunge and now have VBINX as my sole fund in my Roth. [I'm in the 15% tax-bracket and probably will be until retirement] I'm a newbie investor and if you read some of my prior threads, you'll see I've had a few "hiccups" to start my investing yrs. After much research and dec...
by wassabi
Thu Apr 13, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: million dollar condo?
Replies: 33
Views: 4326

Re: million dollar condo?

I'm probably in the minority here, but I say as a physician you have a very high earning potential. At your current rate, you can buy the condo, pay down your student loans, and continue saving substantial funds. As yourself this question: can you buy the condo and enjoy the quality of life increase...
by wassabi
Wed Apr 12, 2017 4:48 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest way to order contact lenses?
Replies: 27
Views: 3925

Re: Cheapest way to order contact lenses?

For those of you who order contacts online how do you go about getting your prescription? My eye appointment has become so routine that they do the check up and then order the contacts. However, I'm sick of paying $350+ for a one year supply. Do you simply tell your doctor to give you the prescripti...
by wassabi
Mon Apr 03, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Temp Commute/Pennsylvania to DC
Replies: 23
Views: 2103

Re: Temp Commute/Pennsylvania to DC

Two options come to mind: She can stay at your place, drive in to Vienna metro, park, jump on the metro and ride it to downtown. I have a colleague who makes this trip every day from Shenandoah area. Driving in all the way is not ideal because 66 is HOV in the morning. She'd have to jump off 66 and ...
by wassabi
Tue Mar 28, 2017 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 49
Views: 5672

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

Another contrarian view here: The federal job is nice, but consider that you are taking a large salary cut by trying to pave your career for the next 20+ years. In reality, you have no idea what you'll want to do, or where you'll want to be in 20 years, let alone 5 years. Do whichever job makes you ...
by wassabi
Tue Mar 14, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard - Money Market Funds
Replies: 16
Views: 2918

Re: Vanguard - Money Market Funds

I recently started using the Vanguard Federal Money Market Fund (VMFXX), which is my settlement fund (and not be confused with Vanguard Prime Money Market Fund (VMMXX). VMFXX has a rate of .51% but an expense ratio of .11%. I don't recall if the ER is already factored into the .51% rate. At any rate...
by wassabi
Sun Mar 12, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 162
Views: 16276

Re: High End Wrist Watches (Gone Crazy)

The Casio GW5000 is a classic. I have the slightly cheaper 5610 version, but have my eye on the 5000.
by wassabi
Sat Mar 04, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't I save enough to have decent vacation or restaurant meal
Replies: 125
Views: 12942

Re: Why can't I save enough to have decent vacation or restaurant meal

Credit Card , Utilities, Oil, Gas @ 2.5k/month ( I know this seems high but we have enrolled kids for activities all around the year + after school program + Summer clinics so have put the average per month) rest goes to federal /state Tax/ssn and medicaid taxes. Sometimes the year round after scho...
by wassabi
Sat Mar 04, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Navy Federal CU New Certificate Offering
Replies: 9
Views: 2714

Re: Navy Federal CU New Certificate Offering

Just checked and it's still there - 17 months @ 2% up to $50k. I'm thinking of grabbing one to convert some bonds to CDs. I've been thinking more lately about how CDs can help to reduce risk on the bond side of the portfolio while I take most of the risk on the equity side.
by wassabi
Tue Feb 28, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 51
Views: 3091

Re: Store Important Documents Online?

Gasdoc, I have hard copies of all the documents you mentioned and more. I have scanned them all and stored to an external hard drive. As a Second backup they have all been stored on Google Drive since its inception. Spouse and adult son both have pins and passwords if they need them It works for me...
by wassabi
Tue Feb 28, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Store Important Documents Online?
Replies: 51
Views: 3091

Re: Store Important Documents Online?

Accustomed to keeping our important documents in a safe at home, we are concerned that in case of a fire, that safe may not be the perfect protection. We have been on a waiting list for a safe deposit box at our local credit union, and now have one available. But I was thinking, all we really need ...
by wassabi
Sat Feb 18, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: The russians are hacking me
Replies: 36
Views: 6509

Re: The russians are hacking me

Just because the IP address says it's from Georgia does not mean the attack originated from that location. In fact, unless it's a kid or amateur, I'd be surprised if the person was physically located in that country. I would expect the attacker to use TOR or at least a VPN of some sort to hide behin...
by wassabi
Tue Feb 14, 2017 5:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard 1099s available - Other companies just as good for sending 1099s???
Replies: 63
Views: 6518

Re: Vanguard 1099s available - Other companies just as good for sending 1099s???

Does the 1099 consolidated form from Vanguard include the information on the 1099-DIV forms that were released last month? Or are both forms still needed to prepare taxes?