Search found 459 matches

by blueman457
Mon May 11, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 86
Views: 4761

Re: Password vault or generator?

+1 Bitwarden

I moved away from Lastpass to Bitwarden due to some poor 2FA implementation from Lastpass.

Blue Man
by blueman457
Sun May 10, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Guest Wifi Network with Separate DNS?
Replies: 3
Views: 486

Guest Wifi Network with Separate DNS?

Hello, Q: is it possible to set up guest wifi network using a separate DNS lookup with the equipment I have? Current equipment: Orbi AC1300 (router and 1 satelite) Synology 418 Play NAS Raspberry Pi x 2 with Pi-Hole for DNS ad-blocking The Orbi router has a "Main Network" SSID that uses the Raspberr...
by blueman457
Fri Dec 13, 2019 5:33 pm
Forum: Personal Investments
Topic: Pay Student Loans before Starting Taxable Investments?
Replies: 44
Views: 1807

Re: Pay Student Loans before Starting Taxable Investments?

I don’t think is a wrong or right answer per se. But things do have to be kept in mind. 1. Is your interest rate fixed? 2. Are you ok with returns of -5 to -10% if we hit a recession Vs a guaranteed 3.9% payoff? 3. Do you have the rest of your financial house in order? 4. Are you a physician in trai...
by blueman457
Sun Nov 17, 2019 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Dental insurance covers 3 cleanings/yr?
Replies: 20
Views: 2116

Re: Dental insurance covers 3 cleanings/yr?

My insurance covers 4 cleanings a year by the hygienist, 2 examinations by the dentist.

First time I’ve had any dental insurance that covered 4 cleanings a year.

Blue man
by blueman457
Wed Nov 13, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: Apple TV vs Competitors
Replies: 34
Views: 3472

Re: Apple TV vs Competitors

I have an older Apple TV had a Roku. Both worked fine, then I came across a series of articles about that Roku wasn't a set-box company both rather an ad company. Roku tracks what you watch and sells ads to marketers. This made me stop using my Roku. https://gizmodo.com/your-roku-is-an-ad-factory-18...
by blueman457
Sun Nov 10, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Adding Second Phone to Cellular Plan, ??
Replies: 5
Views: 467

Re: Adding Second Phone to Cellular Plan, ??

I use an old iPhone for the same purpose, but I had one laying around. If you only need a phone for a year and call capabilities a “basic” phone would be just fine.

Blueman
by blueman457
Mon Sep 02, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: I have 8 checking accounts?????
Replies: 32
Views: 4596

Re: I have 8 checking accounts?????

I don’t think it’s that big of a deal to have as many as 8 accounts. We have 6 and I don’t own a business. But all the accounts have their purpose, so if you don’t need an account close it.

Blue Man
by blueman457
Fri Jul 05, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?
Replies: 23
Views: 2471

Re: Cloud storage: Best cross-platform, family-shareable service? Google Drive / One vs. Dropbox vs. who else?

If your primary goal is overall cloud based iPhone backup, then I would upgrade your wife's icloud plan and add you to it or vice versa. You can share the space. $3/month for 200gb not a bargain for cloud storage, but cheap enough where I don't have to think about our iPhone's photos and device stor...
by blueman457
Mon Jun 10, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Excel to Outlook - need some Visual Basic assistance
Replies: 3
Views: 601

Excel to Outlook - need some Visual Basic assistance

Q: Where can I find a free-lancer to do a small easy project in Visual Basic? I am in charge of scheduling various people to give a monthly lecture with my residents. I want to use excel to create the meeting and sent the invite in outlook so that it shows up on the faculty's calendar. How do I find...
by blueman457
Sat Jun 08, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Gift for niece who is graduating as a Physician Assistant.
Replies: 33
Views: 3431

Re: Gift for niece who is graduating as a Physician Assistant.

Before buying anything medically specific (gift card for figs, stethoscope, etc...) what speciality will she be in and what sort of setting will she work in? That will dictate what she can wear and use. (Ex: Orthopedic PAs probably don’t need a stethoscope, and need to hospital issued scrubs when go...
by blueman457
Sun Jun 02, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4168

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I use Firefox with built in tracking protection with Privacy Badger and Cookie Auto Delete. I use Safari in private mode for my random web browsing. I have tried the Brave browser, but it makes my Mac run super hot so I've abandoned it for now.

Blue Man
by blueman457
Sun May 26, 2019 8:27 pm
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 31
Views: 4118

Re: How a SIM swap attack works

For Vanguard users, please write to Tim Buckley requesting the ability to disable SMS backup from Yubikeys. If you do that give him a suggestion on how to reset a customer's online access if the YubiKey is lost. Your answer can't be "there isn't a way". What about OTP via software token? Blue Man
by blueman457
Thu May 23, 2019 9:07 pm
Forum: Personal Investments
Topic: Can I take an 85+% pay cut for fun?
Replies: 88
Views: 13590

Re: Can I take an 85+% pay cut for fun?

I always enjoy reading when people come back later and post a follow up, after posing interesting questions with the typical range of great answers we see on bogleheads. So, I figured I'd do the same. OP here. I ended up taking the "middle road" that many people in this thread suggested. I quit the...
by blueman457
Wed May 15, 2019 6:21 am
Forum: Personal Consumer Issues
Topic: Last Pass with Vanguard and USAA
Replies: 38
Views: 4433

Re: Last Pass with Vanguard and USAA

I have several Yubikeys at my house. I think LastPass allows you to register 10 of them. So you shouldn't be in a situation where you become locked out. There are account recovery options. For one, if you have the iOS app, you can use it to recover your account with FaceID. Does it let you now chan...
by blueman457
Tue May 14, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Last Pass with Vanguard and USAA
Replies: 38
Views: 4433

Re: Last Pass with Vanguard and USAA

Love it. I have a Yubikey that is required to access my stored passwords. Any time I open Chrome, it automatically opens a popup requiring my Yubikey. Without it, the passwords are not usable. I have Vanguard set to autologin. When I click the bookmark, it will automatically log me in and Vanguard ...
by blueman457
Sun May 12, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: ug - seeking medical billing advice for ambulance ride
Replies: 55
Views: 5105

Re: ug - seeking medical billing advice for ambulance ride

rasputin wrote:
Sun May 12, 2019 3:11 pm
I found a loophole - you can request to be put on a payment plan. There's no interest on the payment plan and no minimum payment. I'm paying one dollar a month.
Interesting... how long will it take you to pay the bill?

Blue Man
by blueman457
Mon May 06, 2019 6:15 am
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2470

Re: Saving passwords on iCloud

I moved from LastPass to Bitwarden. Less buggy, open source, and better 2FA options.

Blue Man
by blueman457
Thu Apr 18, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 2605

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

Hello all! Yes, I know there are a lot of password manager threads out there but I'm looking more for expert advice/experience and less of opinion. BLUF: IPhone user. Need a password manager that is secure (2/3 way authentication as part of it?). I'm pretty low tech so a one stop shop would be awes...
by blueman457
Sat Apr 13, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: How to avoid throwing money at problems?
Replies: 62
Views: 4791

Re: How to avoid throwing money at problems?

I wouldn't view it as throwing money at problems, just spending money to save time and be more efficient in things that require my actual attention. -A car needs to be replaced at some point, it may be worth biting the bullet now if it continues to have issues -A 2yo computer shouldn't have THAT man...
by blueman457
Sun Mar 31, 2019 11:46 am
Forum: Personal Investments
Topic: Would you change your stock/bond allocation if you had access to an unusually generous stable value fund? (TIAA Trad)
Replies: 48
Views: 3001

Re: Would you change your stock/bond allocation if you had access to an unusually generous stable value fund? (TIAA Trad

I have access to similar funds: TIAA Traditional RC in my 401a and RC+ in my 403b. The RC+ is liquid, but pays less than the plain RC. I use it as a bond holding. Similar-ish question from a few years ago: https://www.bogleheads.org/forum/viewtopic.php?t=221286 I do not change my allocation because ...
by blueman457
Sat Mar 30, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a stash of vacation days as unemployment "insurance"
Replies: 70
Views: 5924

Re: Keeping a stash of vacation days as unemployment "insurance"

I do keep a stash of vacation days only because I’m allowed to rollover days up to some maximum.

During the first two years of my current job, I didn’t take the maximum number of days off so that helped get my stash started.

Blue man
by blueman457
Tue Mar 26, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Apple Card
Replies: 125
Views: 13504

Re: Apple Card

It's a good card, not amazing, but good. It's NOT AIMED AT BOGLEHEADS OR CHURNERS who want to milk every benefit out of every card or pay off your balance each month. The differentiating factors -security and privacy: many people on this board don't seem to care, but I do -2% cash back is good: ther...
by blueman457
Sun Mar 17, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 9161

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

An Odyssey is overkill if you only have 2 kids. Not true! Very not true. Our adult daughter and her husband owned an Odyssey for years when our two granddaughters were elementary school-aged. There were countless times we’d be visiting with them (we lived in the same area) when someone would sugges...
by blueman457
Sun Mar 17, 2019 7:31 pm
Forum: Personal Investments
Topic: Mourning the loss of savings rate
Replies: 38
Views: 4663

Re: Mourning the loss of savings rate

My recommendation? Stop focusing on absolutes. Things change. I smile when I see people writing detailed plans and coming up with exact forecasts. Life changes. Especially if you don't have kids yet, or just got kids. Many haven't a clue how much kids cost. Here's my guidance, take it for what it's...
by blueman457
Sat Mar 02, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Parents Helping With Student Loans
Replies: 8
Views: 1142

Re: Parents Helping With Student Loans

Refinance your loans. Keep contributing to the 401k. Have your parents make a small gift if they want to.

Blue man
by blueman457
Sat Mar 02, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Experience with Apple Pay?
Replies: 71
Views: 7295

Re: Experience with Apple Pay?

Awesome, even better with the Apple Watch. Don’t even need to grab my phone.

Blue man
by blueman457
Sat Mar 02, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Should I switch my daily banking business to Ally?
Replies: 51
Views: 4876

Re: Should I switch my daily banking business to Ally?

My slight annoyance with Ally is that you have to manually download transactions to quicken (I use banktivity). So I haven’t jumped over to ally yet.

Blue man
by blueman457
Sat Mar 02, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 12767

Re: What do you pack for international vacation travel??

Agree with a lot of the above. Wanted to emphasize: use a large backpack so you can move easier, especially because it sounds like you’re moving every few days. I use a 45L bag like https://www.rei.com/product/112654/osprey-porter-46-travel-pack And a 65L https://www.rei.com/product/134628/osprey-oz...
by blueman457
Sat Feb 16, 2019 5:34 pm
Forum: Personal Investments
Topic: beginner needing help saving for 15 year emergency expense
Replies: 8
Views: 1005

Re: beginner needing help saving for 15 year emergency expense

Congratulations on finishing your training! I agree on preparing for PSLF and making sure all of your documentation is correct. You should also do some calculations on how much it would cost if you continue paying at the PSLF interest rate + the tax that would come with loan forgiveness. For me, PSL...
by blueman457
Sat Feb 16, 2019 8:09 am
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 13496

Re: Mega Downsize....

Well done!
by blueman457
Fri Feb 15, 2019 8:35 am
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 70
Views: 6084

Re: Indiv. REITs in taxable because of new tax law? Aargh!

Does that mean I should move REITs into taxable? Or that I should feel ok moving it into taxable if I run out of tax advantaged space.

Blue Man
by blueman457
Mon Feb 11, 2019 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 45
Views: 3427

Re: 401k loan to pay off debt?

I decided not to take out the 401k loan and have been aggressively paying down the debt. A bonus bigger than expected and cutting almost all unnecessary spending has got me down to 10k total remaining. 8k student loans and 2k auto loan left. Barring no unexpected circumstances, I will have this pai...
by blueman457
Wed Feb 06, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Organizing Yubikeys
Replies: 11
Views: 1739

Re: Organizing Yubikeys

If I create a new account I add it to the primary key. If I care about the account I also add it to the one in my sock draw and make a note of the new account. From time to time I exchange the off site and sock draw backup and add the third key to the new accounts. If I have an account that only ac...
by blueman457
Sat Feb 02, 2019 6:21 pm
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 105
Views: 14750

Re: Ally Bank's nightmarish online reviews -- should I be worried?

Ally is excellent. Poor reviewslike the ones you mention are generally of the provence of the poor and misinformed. Well I'm neither poor, nor misinformed, so let me give a poor review: I had a very poor experience dealing with Ally to inherit the account of a close relative. Their customer service...
by blueman457
Sat Feb 02, 2019 4:06 pm
Forum: Personal Consumer Issues
Topic: Organizing Yubikeys
Replies: 11
Views: 1739

Re: Organizing Yubikeys

[quote="Epsilon Delta" post_id=4358011 time=<a href="tel:1549127517">1549127517</a> user_id=26401] I don't understand this. You should setup all the keys to access all your accounts. That way they are all functionally equivalent. The primary is then the one you have in your hand. The backup is the ...
by blueman457
Sat Feb 02, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: "3 Tips For Streamlining Your Portfolio"
Replies: 11
Views: 1875

Re: "3 Tips For Streamlining Your Portfolio"

Good, simple, make sense tips. I'm wondering about reasons to simplify and consolidate. I've just crossed the threshold of being able to claim early social security, so maybe am thinking more about the future. Of course, having a simpler portfolio in less locations would make things easier for my w...
by blueman457
Sat Feb 02, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Getting out of student loan debt
Replies: 13
Views: 1580

Re: Getting out of student loan debt

The answer here, even for the government loans, in part is dependent on what kind of loans they are. But in general, you have a lot more protection and legal options with government loans. I'd suggest becoming intimately familiar with the terms of your government loans. With some government loans, ...
by blueman457
Sat Feb 02, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 12278

Re: How much do you keep in checking?

Working person here: I keep a month's worth of salary checking to give a buffer. Anything about goes into savings/investing.

Blue Man
by blueman457
Sat Feb 02, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Organizing Yubikeys
Replies: 11
Views: 1739

Organizing Yubikeys

I've been using Yubikeys for a few weeks now and want to know what's the best way to organize a handful of yubikeys? I have the nano plugged into my USB-C port, so I use that as a primary. I have a couple of full size Yubikey 4 (USB-A) that I need to setup as backup keys. I'm thinking of color codin...
by blueman457
Wed Jan 02, 2019 6:37 am
Forum: Personal Investments
Topic: You're smarter than me, so...
Replies: 16
Views: 4378

Re: You're smarter than me, so...

Hello Boglehead community, I am grateful to have your input on a few questions/ideas. I learned about the Boglehead philosophy through reading John Bogle’s books as well as the 2 Boglehead books. This has been in the past 2 years, so I am trying to align my situation with the principles I’ve been l...
by blueman457
Wed Jan 02, 2019 6:19 am
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 2274

Re: Router with VPN - experiences?

I flashed a Netgear Nighthawk R 7000 with DD-WRT and set it up per NORD-VPN’s instructions. NORD has some really good two year deals that get displayed when you browse for routers and reviews after visiting their site. Have been very happy with it. Home network so nothing so demanding. Had to put a...
by blueman457
Sun Dec 30, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 2274

Re: Router with VPN - experiences?

I get what you are trying to accomplish, especially as your ISP already knows a lot about who you are, and all your traffic passes through them. All a VPN really does is kick the privacy can down the road to your VPN provider, who have been found in some cases not adhering to their stated privacy p...
by blueman457
Sun Dec 30, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay off med school loans
Replies: 18
Views: 1749

Re: Best way to pay off med school loans

Mathematically, it makes the most sense to pay off her loans. But in terms of simplicity, I'd pay off your loans first as she is pending PSLF. Regardless, pay off your student loans as much as possible. It's a large albatross around your neck. It's liberating to have mine paid off (also very high in...
by blueman457
Sat Dec 29, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 2274

Re: Router with VPN - experiences?

A VPN is an encrypted “tunnel” to another location (VPN service) which decrypts the data on the tunnel and sends it to the final destination unencrypted (although most web traffic is itself encrypted end-to-end thanks to https). What VPN service are you planning on connecting to? How much will they...
by blueman457
Sat Dec 29, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Router with VPN - experiences?
Replies: 16
Views: 2274

Router with VPN - experiences?

Q: Does anyone have experience setting up multiple home wireless networks? I'm not a network engineer, but I can follow instructions and use command line interfaces. I am looking to setup a router with a VPN, to protect against privacy invasion from ISP and other marketers, etc.... Recognizing that ...
by blueman457
Fri Dec 21, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Email Accounts - How Many / Security / Best Practices
Replies: 46
Views: 4042

Re: Email Accounts - How Many / Security / Best Practices

I have a number of accounts, but my primary one is fastmail.com. It's $50/year, and offers great security and privacy. It has multiple 2FA options, I use the OTP option and just activated a couple of Yubikeys with it. That way if I lose my yubikey, I can use the OTP on my phone and vice versa. If I ...
by blueman457
Mon Dec 17, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2309

Re: Physician Loan and Buy vs Rent (already searched forums)

I've been in your shoes/currently wearing similar shoes. Renting is a better option for you right now because you are cash poor. You have very little flexibility should something not go as you expect. You're going a great job on paying off your debt and if you make partner, you'll be in better shape...
by blueman457
Sat Dec 15, 2018 1:29 pm
Forum: Personal Investments
Topic: New Physician-Need Advice
Replies: 8
Views: 1190

Re: New Physician-Need Advice

You're doing well as you've got your financial house in order. Recommendations: -Do the full 403b contribution; it'll lower your tax bracket a little bit and it's tax-deferred space you'll lose every year if you don't use it. -Knock out the student loans; I have a smaller amount when I become an att...
by blueman457
Sun Dec 02, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 23398

Re: Best values at Costco? Honestly, a little disappointed...

I'm not always convinced that things at Costco are always cheaper, but for the same price point they are at least of better quality.

Blue Man
by blueman457
Fri Nov 23, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 199
Views: 15124

Re: Physician Credentials: Offshore vs. American Medical Schools

There is no clear cut evidence to show that US medical graduates are better or worse than foreign medical graduates. Location/reputation of residency/fellowship program is much more important than the location of the medical school. US citizens that graduated from Caribbean schools typically means ...