Search found 235 matches

by mrb09
Sun Jun 28, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Techies provide me best practices
Replies: 38
Views: 3432

Re: Techies provide me best practices

+1 on the basic straetgies people gave already given: use a password manager with unique passwords per account, 2FA on email and other sensitive accounts, make sure you do your security updates. Only other thing I'd add is have a plan for recovery if you lose your phone and/or computer. For example,...
by mrb09
Thu Jun 25, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: Inflation since 1209
Replies: 31
Views: 2692

Re: Inflation since 1209

This is useful, I was able to look up data for the famous quote, ""Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." from David Copperf...
by mrb09
Wed Jun 24, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11386

Re: What is the single best piece of exercise equipment you bought for your home?

Another happy concept2 rower owner. Second best is a tie: - A simple set of kettlebells. Doing reps of deadlifts with a lightweight kettlebell really helped my back, I can tell the difference after things that used to hurt my back, like moving feed or shoveling. - Yoga mat and a yoga/stretch program
by mrb09
Tue Jun 23, 2020 10:43 am
Forum: Personal Consumer Issues
Topic: Amazon Spoof Question
Replies: 25
Views: 2907

Re: Amazon Spoof Question

If you're checking the mail header details, then use something like https://mxtoolbox.com to manually look up the SPF record associated with the amazon.com. It has to explicitly list the SMTP address used for the mail for it to be valid. If you use gmail, you can say "show original message". That w...
by mrb09
Mon Jun 22, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Amazon Spoof Question
Replies: 25
Views: 2907

Re: Amazon Spoof Question

If you're checking the mail header details, then use something like https://mxtoolbox.com to manually look up the SPF record associated with the amazon.com. It has to explicitly list the SMTP address used for the mail for it to be valid. If you use gmail, you can say "show original message". That wi...
by mrb09
Wed Jun 17, 2020 11:13 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2459

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

NoblesvilleIN wrote:
Wed Jun 17, 2020 8:36 pm

The roll bar is a nice safety feature, but you need to be using the seat belt for it to be effective.
Ah, but you're missing the other use of a ROPS: https://www.tractorsupply.com/tsc/produ ... rops-4550y :)
by mrb09
Wed Jun 17, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)
Replies: 39
Views: 2459

Re: Should I buy this tractor for new home on 15 acres, (approx 1 acre of grass and almost 1 acre potential garden)

Looks like a good deal, but if you've never owned a tractor, it is worth checking out a modern compact tractor with a hydrostatic transmission and safety features like a rollover bar so you know what you're missing. And personally I use my bucket loader more than all other attachments combined .
by mrb09
Wed Jun 17, 2020 8:39 am
Forum: Personal Investments
Topic: Where do you put your insurance/travel savings
Replies: 11
Views: 734

Re: Where do you put your insurance/travel savings

I do not keep that type of savings in an investment account. Instead, my credit union allows me to have up to 10 sub-savings accounts that I have access to on-line. I contribute various amounts to these sub-accounts each month and withdraw money as needed for their intended purpose. My sub-accounts...
by mrb09
Mon Jun 15, 2020 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card budget tracking
Replies: 11
Views: 865

Re: Credit card budget tracking

+ 3 YNAB.

I found mint "guessed" at quite a few categories, and got more than a few spectacularly wrong. YNAB won't guess, but it will remember vendors so they'll stay in the same category once you set them.
by mrb09
Wed Jun 10, 2020 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Investment selections for DAF
Replies: 10
Views: 424

Re: Investment selections for DAF

For those that have a DAF, what are your investment choices? We have done 50% stock index and 50% bond index, making grants from whatever is down (re-balancing via granting). This proportion of stocks:bonds seemed a good balance given the turnover rate we plan, but I would like to hear from others ...
by mrb09
Thu Jun 04, 2020 3:51 pm
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 29
Views: 4672

Re: Picking a VPN -- 2019

https://ifconfig.me is a good website if you want to check your IP address. It is curl friendly with json output if you're into that kind of thing.
by mrb09
Tue Jun 02, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: Looking for Shredder Recommendations
Replies: 30
Views: 1410

Re: Looking for Shredder Recommendations

Not what you asked, but I gave up on shredders, now I put everything in a bankers box, wait until it gets full and then take it to a place that shreds while you watch. I pay by the pound.
by mrb09
Tue Jun 02, 2020 2:29 pm
Forum: Personal Consumer Issues
Topic: Looking for some information on Italy trip
Replies: 24
Views: 1315

Re: Looking for some information on Italy trip

We went in May two years ago and stayed around Tuscany. Flew in/out of Munich to get a good nonstop from west coast, then a quick flight to Florence where we rented a car. Stayed a week at an Agriturismo in Pienza, and three days at a hotel in the city walls of Sienna. From Pienza, we took day trips...
by mrb09
Wed May 20, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Help: Update: Advice Getting Hearing Aids? What? What?
Replies: 44
Views: 1759

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

Sensorineural hearing loss is very common, maybe in your case exacerbated by exposure to loud sounds but also likely typical aging related damage to the cochlear hair cells, estimated 30-40 million persons in US. The good news is that hearing aids have significantly improved over the last few decad...
by mrb09
Mon May 18, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: Help: Update: Advice Getting Hearing Aids? What? What?
Replies: 44
Views: 1759

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

Blah blah blah frequency compression Frequency Compression?????? j🌺 Here's an article about the brand I have now: https://www.hearingreview.com/inside-hearing/research/evidence-based-practical-considerations-fitting-sound-shaper-individual-patients. I think each major manufacture has something like...
by mrb09
Mon May 18, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Choosing Kayak Paddles
Replies: 9
Views: 629

Re: Choosing Kayak Paddles

I'm definitely not an expert, but - The lighter the better. We have carbon fiber and would recommend that. - Some paddles have different diameters for smaller hands. - The width is going be a function of your height, but I've noticed too narrow paddles can be a pain with a wider kayak, like a fishin...
by mrb09
Mon May 18, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Help: Update: Advice Getting Hearing Aids? What? What?
Replies: 44
Views: 1759

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

Sensorineural hearing loss is very common, maybe in your case exacerbated by exposure to loud sounds but also likely typical aging related damage to the cochlear hair cells, estimated 30-40 million persons in US. The good news is that hearing aids have significantly improved over the last few decad...
by mrb09
Fri May 15, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Must carry more than one credit card
Replies: 53
Views: 3513

Re: Must carry more than one credit card

I was traveling internationally once and when I tried to check into a hotel, credit card was denied. I called the international number on the card, and they told me the reason for denial was ... I was dead. Turned out person with same first/last name was me had died, monthly statement was misdeliver...
by mrb09
Thu Apr 30, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation - Tax Management
Replies: 13
Views: 2673

Re: Deferred Compensation - Tax Management

Check the distribution rules. At my Mega, if you leave before you achieve "retirement age," the entire account is paid as a lump sum. That can mean a massive tax hit (depending on the rate you were avoiding when you contributed the funds). I've decided to wait until I am a bit older to use the acco...
by mrb09
Wed Apr 15, 2020 10:09 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 59
Views: 4274

Re: Best Way to Watch British Mystery Shows

pantsmachine wrote:
Wed Apr 15, 2020 1:30 am
Sherlock, outstanding!
Definitely! At first glance, a completely modern retelling, but the scene where Holmes first meets Watson was almost verbatim from Study in Scarlet!
by mrb09
Mon Apr 13, 2020 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA Question
Replies: 7
Views: 426

Re: HSA and FSA Question

My HSA covers medical but not dental or vision. I have a limited purpose FSA for dental and vision only. I don't think you can use a regular FSA for medical if you have an HSA. You are under a misunderstanding. Limited Purpose FSA distributions are limited to dental and vision qualified expenses. H...
by mrb09
Mon Apr 13, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Improving online security
Replies: 69
Views: 4190

Re: Improving online security

.. stuff +1 to pretty much everything ARoseByAnyOtherName said. You missed one - clear the browser history on exit. You can configure Firefox to do this, but not with Chrome. Good advice on shared computers. Also, if you share a computer you can often click "this is a shared computer" when you logi...
by mrb09
Mon Apr 13, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: HSA and FSA Question
Replies: 7
Views: 426

Re: HSA and FSA Question

My high deductible insurance plan that allows my HSA covers medical but not dental or vision. I have separate insurance and a limited purpose FSA for dental and vision only. I don't think you can use a regular FSA for medical if you have a high deductible medical plan that allows an HSA. edit: corre...
by mrb09
Sun Apr 12, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Looking for green screen recommendation
Replies: 7
Views: 867

Re: Looking for green screen recommendation

Have not personally tried it, but saw this write-up recently, looks interesting: https://kk.org/cooltools/portable-green ... ssketchup/
by mrb09
Tue Apr 07, 2020 9:35 am
Forum: Personal Finance (Not Investing)
Topic: How have Donor Advised Funds held up so far?
Replies: 26
Views: 1238

Re: How have Donor Advised Funds held up so far?

I started mine last year from a lump sum when I sold some old company stock options. I was 50/50 (40-something/50-something now) and so far have done two rounds of annual grants. It is down on paper, but I'm not due for another grant cycle until 2021, so we'll see what happens then. If it is still d...
by mrb09
Mon Apr 06, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Hope you weren't born in 1960
Replies: 63
Views: 10836

Re: Hope you weren't born in 1960

Since I was in fact born in 1960, this caught my attention. This also describes the indexing mentioned here, in pretty clear language (https://www.ssa.gov/OACT/COLA/awifactors.html) An individual's earnings are always indexed to the average wage level two years prior to the year of first eligibility...
by mrb09
Sun Mar 29, 2020 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: how much cash do you keep at home?
Replies: 130
Views: 8700

Re: how much cash do you keep at home?

$500 + however much I have in my wallet. A few years ago, got a truck stuck in my driveway (ironically, a new snow plow driver stuck in drift). Called tow truck, they wanted $300 cash up front. Couldn't get to ATM, since the truck was blocking my driveway :( Managed to scrape up the cash, but since ...
by mrb09
Sat Mar 21, 2020 5:36 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 236
Views: 14478

Re: Coronavirus Flight Cancel Thread

Air New Zealand: they allow a credit for the cancelled flight for up to a year. If you want a refund during that year, normal rules apply. Initially they had a number to call, but they moved to a button on their web site, worked smoothly and notified me of my credit.
by mrb09
Tue Mar 10, 2020 10:28 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27594

Re: What is the best concert you ever witnessed?

I was thinking about triple bill concerts... Weirdest was Leslie West sandwiched between The Ramones and Iggy in 1977, at the height of punk. I think I was the only person in the audience cheering for Leslie... Heh! On the reverse side, I saw the Ramones open for Black Sabbath around that same time...
by mrb09
Sun Mar 01, 2020 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Worth using a CPA for my taxes this year?
Replies: 39
Views: 2683

Re: Worth using a CPA for my taxes this year?

For me, using my company's net benefits link with Fidelity, options and RSUs use a fixed withholding of 22% Federal regardless of my w-4. I have to pay extra estimated taxes (10-13% extra). If I made $80k on options, I'd owe $8k more if I just depended on the default withholding.
by mrb09
Thu Feb 27, 2020 10:04 pm
Forum: Personal Investments
Topic: Yuck... RSU's vested today. So much for the grand spending plans. But the taxes seem astronomic.
Replies: 17
Views: 1838

Re: Yuck... RSU's vested today. So much for the grand spending plans. But the taxes seem astronomic.

I plan on 56% for mine, so that sounds about right. But double check the actual federal withholding, some of that may be social security (in which case you'd be done for the year), you may end up owing more if they haven't taken out enough federal. For my RSUs, they withhold 22% federal and I have t...
by mrb09
Thu Feb 27, 2020 12:48 am
Forum: Personal Consumer Issues
Topic: Inexpensive men's razors?
Replies: 37
Views: 2681

Re: Inexpensive men's razors?

Don't give up on the double edge, it's really about technique. I use Merkur 34c combined with Feather blades. Jagger D89 and Wilkinson Sword Blades for me. I got tired of trying to match handles to the latest 3,4,5 blade cartridges. Bought the Jagger handle and a sample DE pack, then bought a bulk ...
by mrb09
Sun Feb 23, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance/Budgeting Software
Replies: 30
Views: 2248

Re: Personal Finance/Budgeting Software

We use YNAB for budgeting and an Excel spreadsheet to track investments across all of our retirement accounts. I could never find one tool that was good at both. I do use Personal Capital occasionally to manually input numbers from Fidelity FullView for retirement planning (Monte Carlo simulation)....
by mrb09
Thu Feb 20, 2020 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Basic HSA question
Replies: 14
Views: 1349

Re: Basic HSA question

Yes, you need receipts if you want to use HSA money later. The wiki explains why: Emergency fund (Health savings account as an emergency fund) That's why I save my receipts. I pay out of pocket and fully intend to use my HSA in retirement, but my saved receipts and HSA are my second tier emergency ...
by mrb09
Wed Feb 19, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: Fidelity landing page - accounts randomly missing
Replies: 37
Views: 2105

Re: Fidelity landing page - accounts randomly missing

At some point there was a message that they were missing all their corporate linked accounts (401ks, options, etc)

This was in a smaller font on top of my account summary, which showed a million+ dollar one day loss in big red letters :)
by mrb09
Wed Feb 19, 2020 9:31 am
Forum: Personal Investments
Topic: Optum HSA to Fidelity HSA Transfer
Replies: 8
Views: 566

Re: Optum HSA to Fidelity HSA Transfer

I had heard of this happening, someone posted it in another thread. I started transferring this year, and I just withdrew money from Optum and made a deposit in Fidelity with 60 day rollover form, that worked fine.
by mrb09
Mon Feb 17, 2020 12:32 pm
Forum: Personal Investments
Topic: Math for a dummy
Replies: 7
Views: 731

Re: Math for a dummy

I get a bonus (RSUs) every year, and that's exactly how I rebalance. I trade equity for bonds in my 401k, and then trade my corporate stock from the RSUs for an equity fund in taxable. (seems simple when you get it, but took me forever reading this forum before I finally "got" asset allocation acros...
by mrb09
Thu Feb 13, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27594

Re: What is the best concert you ever witnessed?

Bungo wrote:
Tue Feb 11, 2020 1:24 am
I can't choose a single best, but these were all contenders:

Tom Waits
Richard Thompson
Leonard Cohen
Johnny Cash
John Hiatt
If this were a "finest guitar players you've ever seen" thread, RT would be on my list
by mrb09
Mon Feb 10, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27594

Re: What is the best concert you ever witnessed?

Concerts that stuck with me: 1. Jerry Garcia/Bonnie Raitt 1987, Berkley Greek, they played together on Jerry's set. 2. David Lindly, Santa Cruz, early 90's. Power went out, so they put candles up on stage and he did an acoustic version of "tiki torches at twilight". 3. Richie Blackmore, late 70's Sa...
by mrb09
Wed Feb 05, 2020 2:50 pm
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 23
Views: 2092

Re: Fidelity HSA California strategy

Caps gain from sales are a pain but it’s pretty easy to look at the total of 4x dividends a year and toss it in to TurboTax. I’ve never understood why people work so hard to avoid taxation in a CA/NJ HSA, unless treasuries fall within their desired AA regardless. It is for me. I have to keep bonds ...
by mrb09
Wed Feb 05, 2020 1:26 pm
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 23
Views: 2092

Re: Fidelity HSA California strategy

Caps gain from sales are a pain but it’s pretty easy to look at the total of 4x dividends a year and toss it in to TurboTax. I’ve never understood why people work so hard to avoid taxation in a CA/NJ HSA, unless treasuries fall within their desired AA regardless. It is for me. I have to keep bonds ...
by mrb09
Wed Feb 05, 2020 9:54 am
Forum: Personal Investments
Topic: Fidelity HSA California strategy
Replies: 23
Views: 2092

Re: Fidelity HSA California strategy

This is a good thread: viewtopic.php?f=1&t=301403&p=4970724#p4970724

This discusses how to do a US treasury ladder, no CA tax. That's what I do
by mrb09
Wed Feb 05, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How long for beneficiary to receive funds after death?
Replies: 12
Views: 1214

Re: How long for beneficiary to receive funds after death?

^ Thanks, good info. It would be nice if I could change an individual non-retirement account to a joint account, but I don't think that's possible. Instead of changing an account to a joint account your could open up a new joint account and put 3+ months of living expenses in it. That's what I did ...
by mrb09
Mon Feb 03, 2020 6:51 pm
Forum: Personal Investments
Topic: New to forum: asset allocation/contribution across two accounts
Replies: 6
Views: 308

Re: New to forum: asset allocation/contribution across two accounts

I have a spreadsheet with the accounts in rows, and the positions in columns under one of "US Stock", "Int'l Stock" and "Bonds". I sum up the columns divided by total, and that's my asset allocation for each class. I stole that scheme from someone's post, but too long ago to remember who to credit. ...
by mrb09
Tue Jan 28, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Recommend me a good duffel bag for traveling? Checked luggage
Replies: 17
Views: 1496

Re: Recommend me a good duffel bag for traveling? Checked luggage

Winston19 wrote:
Tue Jan 28, 2020 3:44 pm
Tom Bihn yeoman duffel with an absolute shoulder strap is another good option https://www.tombihn.com/products/yeoman-duffel
+1000 on the absolute shoulder strap. I carry one with me even with wheeled duffels, with some carabiners on the straps I can shoulder wheeled luggage up stairs.
by mrb09
Tue Jan 28, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Bosch Crystal Dry - any personal experiences with this witchcraft?
Replies: 40
Views: 5422

Re: Bosch Crystal Dry - any personal experiences with this witchcraft?

Don't know how it works. But after our dishwasher died at Christmas, we went to get a new dishwasher and got one. Didn't specifically look for Crystal Dry, but that's what we ended up with. The glasses and silverware have visibly less water spots than our old Samsung dishwasher. We generally don't d...
by mrb09
Tue Jan 28, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: Recommend me a good duffel bag for traveling? Checked luggage
Replies: 17
Views: 1496

Re: Recommend me a good duffel bag for traveling? Checked luggage

+1 on the posts above - I have a large LL bean wheeled duffel that's been going 10+ years. Doesn't stand on its own, but you can put a shoulder strap on for carry up stairs, etc. My wife had one that finally broke the handle detent (after 10 years of use), we still use it as a storage duffel bag. - ...
by mrb09
Mon Jan 27, 2020 10:12 am
Forum: Personal Investments
Topic: help us find good charities
Replies: 20
Views: 657

Re: help us find good charities

For local charities we just wing, our local food bank is pretty organized, so they get the bulk of the local local allocations.

For the US national and international, +1 on charitynavigator for research.