Search found 648 matches

by gtd98765
Fri Sep 25, 2020 9:19 pm
Forum: Personal Consumer Issues
Topic: Android 11 on Pixel 3A question
Replies: 8
Views: 507

Re: Android 11 on Pixel 3A question

I let my 3a install Android 11 several weeks ago and I have had no problems. There do not seem to be many differences between this version and version 10. Good luck!
by gtd98765
Fri Sep 25, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Treadmill recommendations
Replies: 43
Views: 2360

Re: Treadmill recommendations

The wirecutter has reviews: https://www.nytimes.com/wirecutter/revi ... treadmill/
After walking and running more than 50 miles on 16 treadmills, we think the ProForm 505 CST is the best choice for people who are looking for a sturdy, no-frills treadmill.
by gtd98765
Tue Sep 22, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Deleting Info from Old Cell Phones
Replies: 2
Views: 497

Re: Deleting Info from Old Cell Phones

Factory reset should do it. But you can check to be sure - do the reset, then turn it on and go into contacts to see if you find anything.
by gtd98765
Thu Sep 17, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Electrical help/suggestions
Replies: 22
Views: 1283

Re: Electrical help/suggestions

How about an electric car charging port, if it's somewhere near a parking space?
by gtd98765
Tue Sep 08, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: Portable radios for Wifi/Internet content?
Replies: 9
Views: 941

Re: Portable radios for Wifi/Internet content?

The Sonos Move does what you want: https://www.sonos.com/en-us/shop/move.html It does cost $400, however. We have had several Sonos speakers (not the Move though) for years and have ditched all old stereos and other sources of music except for cheap clock radios. Sonos is easy to use and comes with ...
by gtd98765
Tue Sep 08, 2020 8:18 am
Forum: Non-US Investing
Topic: US Investment firms limit access to accounts [US ex-pat]
Replies: 4
Views: 333

Re: US Investment firms limit access to accounts [US ex-pat]

There are many previous threads about this. I recommend typing "expat" or "abroad" into the search box at the top right and you will find them.
by gtd98765
Thu Sep 03, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Health Ins For New Young Federal Employee
Replies: 15
Views: 808

Re: Federal Health Ins For New Young Federal Employee

Checkbook.org publishes an annual guide to FEHB plans that compares them, using several different models of health care consumption, e.g., young people, families with kids, etc. It costs $15 or something, and at this point you would get last year's version, but it's money well spent. https://www.che...
by gtd98765
Tue Sep 01, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: Should I purchase Bosch Dishwasher Extended Warranty?
Replies: 15
Views: 990

Re: Should I purchase Bosch Dishwasher Extended Warranty?

Consumer Reports lists Bosch as one of the most reliable dishwasher brands.
by gtd98765
Mon Aug 31, 2020 8:35 am
Forum: Personal Investments
Topic: [Can I move out of TSP and avoid tax issues?]
Replies: 16
Views: 900

Re: [Can I move out of TSP and avoid tax issues?]

Just to put some real numbers in this discussion, the highest TSP ER of 0.049% (I fund) comes to $162/yr on your $330,000 account.
by gtd98765
Mon Aug 24, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: We received a request to reset your Facebook password.
Replies: 22
Views: 1344

Re: We received a request to reset your Facebook password.

Agree it's important to set up multi-factor authentication for FB, assuming you have a smartphone that can get the notifications.
by gtd98765
Sat Aug 22, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Thoughts on sewage lift station in new home?
Replies: 37
Views: 2751

Re: Thoughts on sewage lift station in new home?

A power outage is a risk you can generally deal with a portable generator - but have one available and have the right kind of transfer switch installed before you need it. Also make sure you know where the sewage will back up if the pump goes out (not the electricity, the pump itself) and it can be ...
by gtd98765
Fri Aug 21, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: move from Microsoft Office to Libre Office - any advantages or disadvantages for those that have done so?
Replies: 45
Views: 3245

Re: move from Microsoft Office to Libre Office - any advantages or disadvantages for those that have done so?

I don't know if there is a way to set up LibreOffice to make .DOCX a true default format for newly created and saved documents. It is easy to make .DOCX the default format in Libre Office Write: Select - Tools - Options - Load/Save - General - Default File Format - Always save as - Word 2007-365 (....
by gtd98765
Thu Aug 20, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: Dental insurance for seniors
Replies: 29
Views: 2526

Re: Dental insurance for seniors

When we had dental insurance with various health plans, we were limited to specific dentists, who always seemed to push special expensive procedures that seemed dubious. Once we found a dentist we liked whom we thought was honest, we decided to stick with him, despite his not participating in any de...
by gtd98765
Wed Aug 19, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: My new hobby investing in luxury rugs.
Replies: 24
Views: 2216

Re: My new hobby investing in luxury rugs.

We have a dozen or so Middle Eastern rugs, mostly acquired when we lived in Turkey. I agree they are beautiful "art underfoot." We did not buy them as an investment, and would not consider them such.
by gtd98765
Wed Aug 19, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: E-Bike- where to start
Replies: 19
Views: 1992

Re: E-Bike- where to start

Make sure whatever e-bike you buy can be serviced in your area. We had a Chinese no-name e-bike that died at the three-year mark and was impossible to get fixed due to unavailability of spare parts. We replaced it with a used Pedego for $1.5K, which is kind of heavy, but we have been satisfied with ...
by gtd98765
Thu Aug 06, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Good outdoor electric mosquito repellent for a deck?
Replies: 8
Views: 541

Re: Good outdoor electric mosquito repellent for a deck?

You may find some suggestions in this thread including a low-tech suggestion to use a box/oscillating fan: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=320894 We use the box fan method too, and it's been very effective. Mosquitoes are not very good flyers and are unlikely to get you if you...
by gtd98765
Tue Aug 04, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Any MVNO have 5G?
Replies: 14
Views: 838

Re: Any MVNO have 5G?

Are there any immediate benefits of 5G? For what purpose does one really need more than 100 Mb per sec (LTE speed) in a cell phone? Right now there is a big price premium for 5G that I don't see providing any particular benefit. For a device that is typically replaced in 2 years, I would not conside...
by gtd98765
Sun Aug 02, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: Book recommendations on leadership and management
Replies: 18
Views: 1409

Re: Book recommendations on leadership and management

Difficult Conversations by Douglas Stone We attempt or avoid difficult conversations every day-whether dealing with an underperforming employee, disagreeing with a spouse, or negotiating with a client. From the Harvard Negotiation Project, the organization that brought you Getting to Yes, Difficult ...
by gtd98765
Sat Aug 01, 2020 7:07 pm
Forum: Personal Consumer Issues
Topic: Buying a new car using Costco
Replies: 42
Views: 4470

Re: Buying a new car using Costco

CarBargains is run by a nonprofit, and claims to save over $1k on the TrueCar price on average. You do have to pay $250 up front. Reading their description it looks like they basically do that email bidding war denovo has described for you.

https://www.checkbook.org/auto/
by gtd98765
Sat Aug 01, 2020 7:01 pm
Forum: Personal Investments
Topic: Is it possible to disable online access to Vanguard?
Replies: 53
Views: 3538

Re: Is it possible to disable online access to Vanguard?

You can increase your security at Vanguard by using voice verification, which makes it harder for someone to call them and pretend to be you.
by gtd98765
Fri Jul 24, 2020 8:21 pm
Forum: Personal Investments
Topic: Is federal long term care insurance worth it?
Replies: 25
Views: 1875

Re: Is federal long term care insurance worth it?

There indeed has been a lot of threads on commercial long term care insurance but not so much on federally back long term care insurance. Just to make sure everyone understands, the Federal LTC program is organized by the govt, but not subsidized by it (like health insurance is). Policy owners pay ...
by gtd98765
Thu Jul 23, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Compromised Phone Alert
Replies: 10
Views: 1475

Re: Compromised Phone Alert

In the old days, everyone's phone number was published in a big book, which the phone companies gave away for free. Telling you your number has been compromised doesn't seem actionable and seems like a way for the identity monitoring services to show they are doing something. +1 We get useless and ...
by gtd98765
Tue Jul 21, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: Smartphone security
Replies: 14
Views: 976

Re: Smartphone security

1. I assume one day my phone will get stolen and a hacker will gain full access to it.
You can greatly minimize the risk of this scenario by having a PIN or password on your phone.
by gtd98765
Fri Jul 17, 2020 7:49 am
Forum: Personal Consumer Issues
Topic: Another Used Car Thread
Replies: 32
Views: 2204

Re: Another Used Car Thread

If you live close to a car rental outlet, renting a car when you need it sounds like the best option. My family of three drivers went from two cars to one and lived fine for three years. With the bus, ride sharing once/twice a week and renting cars once a month or so we saved a ton of money - not ju...
by gtd98765
Tue Jul 14, 2020 9:43 pm
Forum: Personal Investments
Topic: TSP share prices for Quicken
Replies: 112
Views: 24606

Re: TSP share prices for Quicken

It now works for me. Thanks again!
by gtd98765
Tue Jul 14, 2020 8:31 am
Forum: Personal Investments
Topic: TSP share prices for Quicken
Replies: 112
Views: 24606

Re: TSP share prices for Quicken

FYI: The July 13 prices were not in the file I downloaded this morning, July 14. The prices stop July 10.

But in general, thanks so much for creating and maintaining this tool!
by gtd98765
Wed Jul 08, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Home Projects - Contractors Price Matching Experience
Replies: 13
Views: 1217

Re: Home Projects - Contractors Price Matching Experience

I would also take into account the feeling or vibe you got from the estimators who came out. Did they sound like they knew what they were talking about? Did they point out any potential challenges with your site they would have to deal with? If the estimator was the company owner, did s/he promise t...
by gtd98765
Wed Jul 08, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: losing ability to ensure good computer hygiene- what to do
Replies: 49
Views: 3838

Re: losing ability to ensure good computer hygiene- what to do

I agree with many comments above, focusing on these: 1. Windows Defender automatically runs anti-virus checks every couple of days. No other program is necessary, and you don't even really have to pay attention to it unless you get a warning. 2. Separate user accounts are easy. We use them in our fa...
by gtd98765
Tue Jul 07, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Fireproof & waterproof folders or safes for important documents?
Replies: 26
Views: 1316

Re: Fireproof & waterproof folders or safes for important documents?

The Wirecutter did a review earlier this year. They actually set some fire safes on fire to see how they held up.

https://www.nytimes.com/wirecutter/revi ... ment-safe/
by gtd98765
Mon Jul 06, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 5010

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

I would suggest reading descriptions of both at ConsumerReports.org. Costs $40/yr but for a $40k expense that seems like a reasonable deal.
by gtd98765
Sat Jul 04, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: Solar powered Wireless backup camera
Replies: 10
Views: 690

Re: Solar powered Wireless backup camera

Saving$ wrote: Sat Jul 04, 2020 9:52 am Link to this Costco device?
And here is the Costco link: https://www.costco.com/type-s-6.8%22-wi ... 04814.html
by gtd98765
Sat Jul 04, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: cable vs. fiber internet. Which to choose?
Replies: 31
Views: 2080

Re: cable vs. fiber internet. Which to choose?

So any advice on what type of router to buy? I’d hate to switch to the latest and greatest only to be stymied by a technologically outdated router. Is a mesh system necessary? The wirecutter has reviews of both routers and mesh routers. Here's one: https://www.nytimes.com/wirecutter/reviews/best-wi...
by gtd98765
Fri Jul 03, 2020 8:13 am
Forum: Personal Consumer Issues
Topic: Encryption for the cloud
Replies: 19
Views: 1485

Re: Encryption for the cloud

Could you create a separate GMail account and password just for use of Boxcryptor, and still use your main GMail account for email? That would alleviate the problem of giving away your main GMail credentials to someone else.
by gtd98765
Fri Jul 03, 2020 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Forgot to change tax W-4 status to married
Replies: 11
Views: 565

Re: Forgot to change tax W-4 status to married

The W4 form helps you calculate the right amount of taxes to have withheld from your income. It is more than just number of dependents. If you and your spouse fill it out completely with estimates of both of your incomes, deductions, etc., you will wind up with a reasonable estimate of withholding.
by gtd98765
Thu Jul 02, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Solar powered Wireless backup camera
Replies: 10
Views: 690

Re: Solar powered Wireless backup camera

I have a solar powered wireless backup camera purchased from Costco 3 or 4 months ago and it has been awesome. The monitor inside the car works by a motion sensor that you wave your hand over and thr screen and camera comes on. It has worked flawlessly so far. The awesome thing is that solar greatl...
by gtd98765
Wed Jul 01, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Help choosing federal health insurance
Replies: 51
Views: 3087

Re: Help choosing federal health insurance

michaelingp wrote: Wed Jul 01, 2020 7:34 pm Go to checkbook.org and get the Guide to Health Plans for Federal Employees.
Absolutely do this. It does cost $11 - no advertising - but has great analysis for which plans are best for which people based on family size, use of medical care, etc. Highly recommended.
by gtd98765
Tue Jun 30, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Whether to ditch FEGLI at age 62
Replies: 2
Views: 329

Whether to ditch FEGLI at age 62

I am a retired Fed with Federal Employees Group Life Insurance (FEGLI) basic, which costs me $61/mo for about $188K of insurance. One of the wrinkles of FEGLI is that you don't pay after your 65th birthday, and amount of insurance gradually is reduced over 2 years to 25% of its final value, which fo...
by gtd98765
Sat Jun 27, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Perpetual vs Subscription License - Microsoft Office
Replies: 41
Views: 2414

Re: Perpetual vs Subscription License - Microsoft Office

Quick question, when I save a document in LibreOffice, it looks like it can save as .xlsx file. I haven't tested it, but is this true? Yes. While the default formats for LibreOffice are Open Document, you can set it to save in MS Office formats like .xlsx by default if you like. Select Tools/Option...
by gtd98765
Tue Jun 23, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Study claims active management better than benchmarks
Replies: 30
Views: 3237

Study claims active management better than benchmarks

finance and accounting professors Linda Chen of the University of Idaho, Wei Huang of the College of Saint Benedict & Saint John’s University, and George Jiang of Washington State University, after an exhaustive study of nearly 2,000 U.S. mutual funds’ stock trades by month from January 1998 to Mar...
by gtd98765
Tue Jun 23, 2020 11:30 am
Forum: Personal Finance (Not Investing)
Topic: fed workers: any idea why FSA Feds won't allow mid-year changes?
Replies: 9
Views: 627

Re: fed workers: any idea why FSA Feds won't allow mid-year changes?

I don't know. Maybe there is a different law for FSA Feds? In any case, if you can't get an answer from them, you should call your Congressperson's local office and ask for help.
by gtd98765
Sun Jun 21, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Is voice verification more secure?
Replies: 16
Views: 1772

Re: Is voice verification more secure?

Even if voice verification is hackable, I believe it is useful to add it to my Vanguard account because it raises the level of effort required to get access. If I knew the GRU was after me in particular, not just any of a thousand victims whose PPI was easily available on the dark net, I would be mo...
by gtd98765
Wed Jun 17, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: My very first $martphone!!! Please help me decide.
Replies: 45
Views: 3100

Re: My very first $martphone!!! Please help me decide.

Looks like the magnetometer sensor is only for compass applications. If you don't need your phone to tell you where north is, you're ok without it. Hmm, that's a bummer. I rely on the compass in Google map a lot especially in a new city. Hmm, was leaning in the G power but now not so sure. Got to t...
by gtd98765
Mon Jun 15, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: E-Bike recommendations
Replies: 118
Views: 8700

Re: E-Bike recommendations

+1 I think this "proprietary" parts thing can end up being an "issue" for long term E-Bike Ownership and self maintenance/repair. There are so many odd ball brands out there right now. Tough choices indeed. j :happy We had a cheap e-bike that was good while it lasted - about three years. It turns o...
by gtd98765
Sun Jun 14, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: Used Ipad for 80 year old
Replies: 28
Views: 1917

Re: Used Ipad for 80 year old

I set up an old iPad Mini for my mother, even managed to set her wifi network password, and mailed it off across the country. How did you do this? Did you set the SSID and password on your wifi network to be the same as hers and then connected and entered the password? Something else? On Windows 10...
by gtd98765
Sat Jun 13, 2020 4:30 pm
Forum: Personal Consumer Issues
Topic: Used Ipad for 80 year old
Replies: 28
Views: 1917

Re: Used Ipad for 80 year old

I want to buy an Ipad for someone whose only use of it will be watching and streaming Youtube videos. Literally zero need for any other functions. What's the oldest model of Ipad I can get that would fit this criteria? I don't need or want to buy the latest one with all the bells and whistles, but ...
by gtd98765
Sat Jun 13, 2020 4:05 pm
Forum: Forum Issues and Administration
Topic: Support the site through Brave Browser?
Replies: 15
Views: 1672

Re: Support the site through Brave Browser?

oldcomputerguy wrote: Sat Jun 13, 2020 4:00 pm
CheckMate404 wrote: Wed May 20, 2020 6:11 pm I just saw the "Support the site through Amazon?" post,
Just for the record, you can also support the site directly via donation: Support this site
Thanks for the reminder. I just donated via the Support this Site link at the top of the page.
by gtd98765
Thu Jun 11, 2020 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 435
Views: 38023

Re: Quicken 2019 and forward

LadyGeek, I also had a problem with my Vanguard account when I "upgraded" to subscription Quicken, although it was a bit different from yours. I ended up having to just delete web updating of the account and then add it back in, which did not take too long, although I did need Quicken support to hel...
by gtd98765
Wed Jun 03, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: is a shorter commute worth the extra cost?
Replies: 30
Views: 1767

Re: is a shorter commute worth the extra cost?

There is a lot of uncertainty right now about how people will respond to our economy reopening. Will commuting be harder / longer because fewer people are willing to take public transportation to be crowded with others, and will want to drive cars instead? Or will working from home become more perma...
by gtd98765
Tue Jun 02, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 110
Views: 7067

Re: Password vault or generator?

I believe it is worth paying a reasonable annual fee for a password manager, considering how much the secrets it protects for me are worth. Maintaining decent software requires good engineers who do not come cheap.
by gtd98765
Tue Jun 02, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: What cellphone plan do you recommend?
Replies: 60
Views: 3969

Re: What cellphone plan do you recommend?

Phone insurance is not cheap. Have you ever lost or broken a phone? Make sure you understand what you get for it, and whether it's really worth paying for. If people needed it as much as they thought they would, it would be a lot more expensive than it is.