Search found 30 matches

by gtd98765
Fri Oct 20, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Is the current cryptocurrency market a bubble in the making?
Replies: 10
Views: 530

Re: Is the current cryptocurrency market a bubble in the making?

I think the "greater fool theory" is at work here. And so far greater fools have been found. https://en.wikipedia.org/wiki/Greater_fool_theory
by gtd98765
Mon Oct 16, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: DIY Estate Planning
Replies: 3
Views: 357

Re: DIY Estate Planning

Has anyone used NOLO, LegalZoom or FORE software to do your own estate planning documents? Did you find it user friendly with templates that require you to just answer questions in order to create the documents. My estate planning needs are not complicated: no business, no federal or state estate t...
by gtd98765
Mon Oct 16, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Encryption flawed in some Yubikey models
Replies: 4
Views: 440

Re: Encryption flawed in some Yubikey models

Someone else may have already spotted and posted this. But I just came across it and have seen in the past that quite a few Bogleheads use Yubikey to access their Vanguard accounts. Not all models are affected. https://www.yubico.com/keycheck/ Thank you for posting this, which I was not aware of. T...
by gtd98765
Sun Oct 08, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 52
Views: 3123

Re: Password Protection

Thank you for all your responses. I admit I am leery of the cloud (isn't that just someone else's computer?). I like the possibility of linking the computers in-house via our Wi-Fi network. I admit I am late to the party on this as I have had my identity stolen and used at least twice (once to file...
by gtd98765
Sun Oct 01, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6002

Re: Is it a waste of money having your furnace checked every year?

I don't know if it's necessary every year, but, especially if you have gas/oil heat I think it make sense to have the furnace inspected on occasion. During a check of our Carrier gas furnace a few years ago the HVAC tech identified a cracked heat exchanger that was leaking CO into the house. This wa...
by gtd98765
Sat Sep 09, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25637

Re: Is a security freeze at Innovis really needed?

I don't know if it's needed but it is quick (one screen of info) and free. I did it for both my wife and myself in less than five minutes.
by gtd98765
Sat Sep 09, 2017 5:19 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47150

Re: Equifax customer information leak

I was able to complete credit freezes on line this morning for my wife with Equifax, Experian, Innovis, and TransUnion. For me, only Innovis and TransUnion; maybe it's my guilty face? Anyway, for Equifax and Experian I will have to write letters and mail them in via snail mail.
by gtd98765
Tue Sep 05, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 82
Views: 66937

Re: Experience selling car to Carmax?

In 2010 we sold a 2005 Volvo XC-70. Carmax offered us $9k, the Volvo dealer $14K. Not sure you are comparing apples to apples when you sell to a regular dealer and you are buying a new car from them. We all know they move money around. You may have overpaid for the new car as a result of getting a ...
by gtd98765
Mon Sep 04, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 82
Views: 66937

Re: Experience selling car to Carmax?

In 2010 we sold a 2005 Volvo XC-70. Carmax offered us $9k, the Volvo dealer $14K.
by gtd98765
Sat Aug 26, 2017 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 6809

Re: Retirement anxiety- emotionally and financially

Part of me wants to retire, the other part of me thinks I will go out of my mind being bored. Part of me is scared with income dwindling I will be so fearful spending money I will live a miserable existence. I took a retirement planning seminar a decade ago and one thing has really stuck with me: i...
by gtd98765
Sun Aug 20, 2017 5:31 am
Forum: Personal Consumer Issues
Topic: Repair of Bose Noise-Canceling Headphones
Replies: 4
Views: 471

Re: Repair of Bose Noise-Canceling Headphones

I ordered the aftermarket ear pads from Amazon for my old Bose QC 3 headphones. The pads were fine; they did require some careful manipulation to install to the headphones, but I think that would have been the same for the OEM pads.
by gtd98765
Mon Jul 31, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Sunroom Worth It?
Replies: 15
Views: 2260

Re: Sunroom Worth It?

When I lived in Germany we had a sunroom ("Wintergarten") that had two walls of windows and looked out on the back yard. It was so worth it on many cold but bright days in the winter. Also very pleasant with the windows open during the spring/summer/fall.
by gtd98765
Fri Jul 21, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 45
Views: 3572

Re: Cryptocurrencies

Every month or two someone wins big in a state lottery somewhere. But I don't think that means lotteries are a good investment. Same with crypto currencies.
by gtd98765
Tue Jul 18, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Cellphone nightmare - please help
Replies: 24
Views: 2266

Re: Cellphone nightmare - please help

My mother had credo, and I had to discontinue it when she died. It was extremely expensive. Apparently they donate a tiny portion of their revenues to charities (credo = "i believe"). But since they cost twice as much as any other MVNO it is easy for them to do that and still make bucketfulls of mon...
by gtd98765
Sat Jul 15, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Cheap source for basic will
Replies: 34
Views: 2409

Re: Cheap source for basic will

http://www.nolo.com/ is a good source for books and software on legal issues. I have used its Quicken Willmaker Plus software to create wills and powers of attorney, as well as trusts for the children. If your circumstances are straightforward and you don't expect anyone to challenge your will I am ...
by gtd98765
Mon Jul 10, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 8160

Re: how to destroy hard disk with personal info

There are many time-consuming suggestions here. Unless you are a gazillionaire or have a really good reason to think the NSA is willing to devote millions of dollars of time to figure out your finances, I would (in fact do) just hook up such drives temporarily to another computer and run DBAN to wip...
by gtd98765
Mon Jul 10, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Slovenia, Croatia, Montenegro
Replies: 13
Views: 1330

Re: Slovenia, Croatia, Montenegro

In Croatia, Istria is very nice, especially Rovinj and Pula.

In Montenegro, I would also recommend Budva.

Hope you have a good trip. This is a wonderful part of Europe.
by gtd98765
Sat Jul 08, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1397

Re: Android phone, which one?

runner3081 wrote:Love my Moto G4. Though it is a 5.5" screen, no issues using it one-handed.
+1
$150 at Amazon. Works great.
by gtd98765
Thu Jun 29, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: converting term life insurance to permanent insurance
Replies: 8
Views: 763

Re: converting term life insurance to permanent insurance

Hi, I am shopping for term life insurance. Some have recommended term life insurance that is convertible to permanent life insurance. Policies that offer this conversion option often have higher premiums. There is also term life insurance with guaranteed renewability after the term expires, but the...
by gtd98765
Sun May 21, 2017 4:46 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4453

Re: Need new Router/Wifi Networking Ideas

Lots of background info and recommendations here: http://thewirecutter.com/reviews/best-w ... king-kits/
by gtd98765
Fri May 05, 2017 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Renters are PITAS and I'm overseas - rent or sell?
Replies: 6
Views: 1150

Re: Renters are PITAS and I'm overseas - rent or sell?

We also live overseas and are renting out our house. A property manager is crucial to make it bearable; from your budget numbers it looks like you have one. For us, we are renting it out because we want to move back to it when we return to the US. Otherwise it does not make financial sense. so my ad...
by gtd98765
Wed May 03, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 21290

Re: Buying a luxury car (how dumb would it be to do this?)

There is plenty of science that says that shopping is more fun than owning. Maybe you should just buy the cheaper car, then keeping shopping, indefinitely, for the BMW? A lot less expensive, but the pleasure continues.
by gtd98765
Mon May 01, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Help with letter from IRS about 2013 529 distribution
Replies: 34
Views: 7430

Re: Help with letter from IRS about 2013 529 distribution

Here is the text of the letter written by KPMG, maybe that will be of help to you. August 28, 2013 Internal Revenue Service 1973 N Rulon White Blvd Ogden, UT 84201-0021 Dear Sir or Madam: Re: Joe & Mary Taxpayer SSN: 123-45-6789 & 987-65-4321 Notice number: CPxxxx Tax Year: 2011 We are resp...
by gtd98765
Sun Apr 16, 2017 3:25 am
Forum: Personal Finance (Not Investing)
Topic: Please help me enter 1099-Q in TurboTax
Replies: 16
Views: 1169

Re: Please help me enter 1099-Q in TurboTax

This is a common problem that TT does not handle well at all. Here are a couple of links that helped me deal with exactly this problem, but it took hours of research and experimentation. I also recommend saving a copy of your draft tax return under a different name just to experiment with the possib...
by gtd98765
Fri Apr 14, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Estimated Payments - Fed & State
Replies: 10
Views: 866

Re: TurboTax Estimated Payments - Fed & State

i have used TurboTax for years and it always recommends significant estimated tax payments. it has almost always been wrong. if you do not expect major changes in your income/deductions for 2017 i would just ignore TT on this.
by gtd98765
Thu Apr 13, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Will - what is complicated?
Replies: 72
Views: 4940

Re: Will - what is complicated?

Well, I have a different view. The legal industry is very adept at creating fear, uncertainty, and doubt, which I try to resist. I find it difficult to believe that if you have relatively straightforward circumstances like most Americans, that software can not do the job just as well. If you are lea...
by gtd98765
Sat Apr 08, 2017 2:18 am
Forum: Investing - Help with Personal Investments
Topic: Monte Carlo app?
Replies: 10
Views: 1169

Re: Monte Carlo app?

If you are interested in using MC for retirement planning, have you tried Firecalc? It does not describe itself as using the MC method but there are some similarities. http://firecalc.com/
by gtd98765
Wed Mar 15, 2017 7:12 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 49
Views: 4949

Re: PayPal - Any Disadvantages?

Reporter Brian Krebs (http://www.krebsonsecurity.com/) wrote that paypal once gave his password away to a hacker who called them on the phone. After I read that I unlinked my bank account from the site and just use it with a credit card.
by gtd98765
Tue Mar 14, 2017 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Importing prior year's form 8960 into Turbo Tax
Replies: 7
Views: 703

Re: Importing prior year's form 8960 into Turbo Tax

I did this last night. Just type in the new info from last year's return. It is only a few blocks. Unfortunately, little help in Turbotax explaining where that info comes from, so it's not exactly straightforward. Good going gtd98765! I am finding the terminology for the TT "Form 8960 Ln 7&quo...
by gtd98765
Mon Mar 13, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Importing prior year's form 8960 into Turbo Tax
Replies: 7
Views: 703

Re: Importing prior year's form 8960 into Turbo Tax

I did this last night. Just type in the new info from last year's return. It is only a few blocks. Unfortunately, little help in Turbotax explaining where that info comes from, so it's not exactly straightforward.