Search found 76 matches

by gtd98765
Thu Jul 19, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Receiving 2FA codes from Vanguard while overseas
Replies: 6
Views: 809

Re: Receiving 2FA codes from Vanguard while overseas

Another option would be to buy a YubiKey or similar hardware token. I use this one: https://www.amazon.com/Yubico-Security-Key-USB-Authentication/dp/B07BYSB7FK They are easy to setup, and much more secure than SMS or email-based 2FA because it is relatively easy for someone to intercept your text m...
by gtd98765
Thu Jul 19, 2018 4:51 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1124

Re: Should I get a warranty for my new glasses?

I have worn glasses for 25 years and have only damaged them twice, and I am kind of a klutz. If you are new to glasses you may assume they are more fragile than they really are. For extra pairs you may want to look at cheaper on-line glasses operations; i have successfully used Zinio several times, ...
by gtd98765
Tue Jul 17, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Steve Dubner interviews Richard Thaler
Replies: 3
Views: 661

Re: Steve Dubner interviews Richard Thaler

Very entertaining repartee between the two. Thanks for posting.
by gtd98765
Sun Jul 01, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4026

Re: Any Reason to Keep My "Landline" Phone?

I would gladly get rid of our landline phone except that Verizon requires it to get pitiful 5 MBs DSL internet (the max available), coming to $75 a month for the package. Only other internet option is Comcast, which is faster but more expensive, and is of course an even more-evil company than Verizon.
by gtd98765
Sun Jun 17, 2018 12:58 am
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 4043

Re: iPad Pro 12.9": Replacement for Laptop?

I have an old Kindle but am pretty much down to iPad for reading books/newspapers/Facebook and a laptop for writing and work-related things. But even to read Bogleheads I use the laptop rather than the iPad, since I find the former so much faster; I go through the Bogleheads index and Control-click ...
by gtd98765
Sun Jun 10, 2018 2:12 am
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2730

Re: Foreign language immersion daycare

We lived in Rome for several years and sent my daughter to Italian preschool for two years. When we left Italy she had beautiful, native, fluent Italian. She had a good time after a short period of adjustment, and it did not interfere at all with her English abilities. On the other hand, twenty year...
by gtd98765
Fri May 18, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 19
Views: 2750

Re: Dash camera

Thewirecutter.com did a review recently.
by gtd98765
Wed May 16, 2018 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1431

Re: Question for Federal Govt Retirees

At my agency we can ask for a retirement estimate any time once we are eligible for retirement, or within a year of that. This is done by the HR retirement office and I doubt they contact your manager. Certainly this is good thing to do ahead of time, since during a manual review they might uncover ...
by gtd98765
Tue May 15, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 9255

Re: Two- Factor Authentication at Vanguard - Update

Re-reading my initial response I meant to type Universal 2nd Factor (U2F) not U2A (Whoops). U2F is technically the solution/successor to TOTP authentication apps, the reason being the authentication applications have already been beaten. Not in theory or a white paper but in active campaigns that u...
by gtd98765
Mon May 14, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: Need some help understanding Roboform pricing
Replies: 4
Views: 481

Re: Need some help understanding Roboform pricing

I believe Roboform Everywhere costs $20 per year. This allows you to synch your passwords among computers, cell phones, etc. There is a free version that does not synch, but is okay if you only want it on one computer.

edit: removed incorrect info.
by gtd98765
Wed May 09, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 15
Views: 2832

Re: Experian will not lift security freeze with PIN

This is frustrating since I live outside the US... I would suspect that they could tell you were outside the US by your IP address and that triggered the extra security. I'm not up to speed on the details but as I recall you might be able to use a VPN or remote sign in to make it look like you are ...
by gtd98765
Wed May 09, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 15
Views: 2832

Re: Experian will not lift security freeze with PIN

Nate79 wrote:
Wed May 09, 2018 6:44 am
Did you try calling them?
no, good thought. thanks.
by gtd98765
Wed May 09, 2018 2:44 am
Forum: Personal Finance (Not Investing)
Topic: Experian will not lift security freeze with PIN
Replies: 15
Views: 2832

Experian will not lift security freeze with PIN

I froze my security at all credit check companies last fall after the Equifax breach. This week, prior to applying for a new credit card (to replace another one) I logged on to the Experian website, put in my info and my PIN to temporarily lift the freeze; this included credit card info since there ...
by gtd98765
Sat Apr 07, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4641

Re: Is it very hard to learn Spanish?

Spanish is definitely the easiest language for English speakers to learn, for the reasons given above. However, learning any foreign language, like any other skill, requires time, practice, and memorization. The younger you are the easier it is to learn a new language. But the benefits to speaking a...
by gtd98765
Sat Mar 17, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a quality will?
Replies: 17
Views: 1863

Re: Cost of a quality will?

munemaker wrote:
Fri Mar 16, 2018 3:29 pm
I just prepared ours using a copy of Quicken Willmaker Pro, borrowed from the public library. It also prepares a well-written health care directive and POA. Our situation is simple though.
+1
https://www.nolo.com/
by gtd98765
Thu Mar 15, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Shampoo for silver/grey hair
Replies: 17
Views: 2598

Re: Shampoo for silver/grey hair

Shampoo is basically the same as dish detergent. Decades ago Consumer Reports did a story where they handed out to testers in unlabeled bottles various types of expensive and cheap shampoo, as well as dish detergent (e.g., Joy). As I recall the testers were equally pleased with all the options. This...
by gtd98765
Tue Mar 06, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 9255

Re: Two- Factor Authentication at Vanguard - Update

Vanguard also offers a voice verification option, whereby they record your voice on the phone to help verify it's you when you call back next time. This would probably make social engineering attacks on customer service reps less likely; it's one thing to claim to have forgotten your password, it's ...
by gtd98765
Mon Mar 05, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4029

Re: Etiquette of hanging up on live telemarketers

There are a lot of nice people here.

Not me. I used to say "why don't you get an honest job?" and hang up. Now I don't answer if the first six digits are the same as mine, or if I don't recognize the number.
by gtd98765
Sun Mar 04, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Blinds- where did you get yours?
Replies: 15
Views: 1351

Re: Blinds- where did you get yours?

we have purchased several good honeycomb blinds online at https://www.blindsexpress.com/. They still look good after several years. The only issue was my wife noticed an email from them and wondered what I was doing corresponding with a "blind sex" website.
by gtd98765
Sun Feb 11, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 18
Views: 1310

Re: Best place to exchange dollars to euros?

ATM at the airport in Europe to get your initial money and then other ATMs in europe I have not been to Lisbon in years but in general I would be cautious about using ATMs at European airports in the arrivals areas. They are generally not run by banks (the companies have exclusive contracts with th...
by gtd98765
Sun Feb 11, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 7898

Re: Does it ever make sense to buy a new car?

I know extrapolating from just a few data points is a bad idea, but I think the answer is yes for me. The two cars I have kept for 10+ years, a Ford Escort SW and a Volvo XC-70, I bought new. All of our other cars were bought used, and all developed significant problems that I had to repair during t...
by gtd98765
Sun Feb 11, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Family expecting “comps”
Replies: 38
Views: 5106

Re: Family expecting “comps”

I think you were very generous giving a discount. I would never expect a family member to give me something from his business for free. It's not really any different from expecting you to give them cash when they ask.
by gtd98765
Thu Feb 08, 2018 11:59 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26317

Re: free dinner investing seminar

Friend at a holiday get together was regaling how his financial advisor had recently taken him and dw on his personal yacht to a wonderful coastal restaurant for dinner...it was not the setting to ask him who he thinks paid for the boat... That reminds me of "Where are the customers' yachts?" But m...
by gtd98765
Wed Feb 07, 2018 3:37 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 3082

Re: Are Banks Worthless?

From a consumer standpoint, I do think banks are pretty worthless. I have had a credit union account only for decades, and not once have they changed the rules, upped their own ATM fees, or whatever to extort a few more pennies from me, unlike my former bank.
by gtd98765
Mon Feb 05, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1832

Re: Xfinity mobile is burning through data

If you are using an Android phone you should check out the Google app Datally, which can be set to restrict background data usage. I have been using it for a couple of months with no problems.
by gtd98765
Sun Feb 04, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 11742

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

Wow, that's an amazing deal. The link worked for me, too. Either it's a pricing error, or they are trying to get some of their customers back after drastically changing their pricing model. I double checked after the purchase, and my account now says that the "duration" of my Premier account is fro...
by gtd98765
Thu Jan 04, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 97
Views: 7075

Re: ID theft and check cashing fraud

In addition to the credit freeze, I think it would also be worthwhile to file a fraud alert with one of the credit bureaus, which would then share it with the others. Since identify fraud is active, this would see prudent.
by gtd98765
Thu Dec 28, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1407

Re: Think Home might have Asbestos (what to do?)

We had sheets of asbestos paper in the basement ceiling between the furnace ducts and the wood subfloor above. House was built in 1952. Bizarre of the builders to think that the forced-air ducts would get anywhere near hot enough to ignite the subfloor and would need the protection. When the paper b...
by gtd98765
Tue Dec 26, 2017 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Liability Car Insurance Only?
Replies: 10
Views: 1078

Re: Liability Car Insurance Only?

Just note that if you drop collision insurance from your own car, it would not protect you if you drive a rental car, so if you are in the habit of not paying for the CDW when renting cars, you might want to re-evaluate that.
by gtd98765
Mon Dec 25, 2017 7:56 am
Forum: Personal Consumer Issues
Topic: Samsung J3 or J7
Replies: 21
Views: 1674

Re: Samsung J3 or J7

I got my daughter a J3 at Bestbuy for less than $100. She really likes it. For what she needs (email, calendar, FB, pictures) it is perfectly adequate.
by gtd98765
Sun Dec 24, 2017 4:23 am
Forum: Investing - Theory, News & General
Topic: Bitcoin: food for thought
Replies: 53
Views: 5190

Re: Bitcoin: food for thought

Agree that Bitcoin is nothing like a Ponzi scheme. The "Greater Fool Theory" is a better analogy: https://en.wikipedia.org/wiki/Greater_fool_theory. The basic idea is that even if I am unsure of the intrinsic value of a purchase, as long as I think there is someone else willing to pay me a higher pr...
by gtd98765
Wed Dec 20, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Anybody been to Dubrovnik? March 25-30, 2018?
Replies: 13
Views: 1238

Re: Anybody been to Dubrovnik? March 25-30, 2018?

It is beautiful and historic, and fun. However, in the middle of the day when the cruise ship pax are in town, it is extremely crowded. To really enjoy it, I would encourage you to get up early and stay up late, maybe with naps during the middle of the day, to avoid the 10:00 - 5:00 time when the ol...
by gtd98765
Mon Dec 18, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 91
Views: 7196

Re: How do Bogleheads save on eyeglasses?

It's worth the $55 Costco membership even if you only buy one pair of glasses there. My wife spent more than twice as much at an optician's shop for progressive bifocals as she did at Costco the next year. Service was great, the staff friendly. They certainly do not have the variety of frames that L...
by gtd98765
Sun Dec 17, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing to hire lawyer to write will - any advice?
Replies: 12
Views: 1998

Re: Preparing to hire lawyer to write will - any advice?

Disposition of House: Definitely have the executor sell it. My wife and her sister jointly inherited their parents' house and have very different ideas about what should happen to it. After decades this is still the main focus of their relationship, unfortunately.
by gtd98765
Tue Dec 05, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 2332

Re: Concrete vs Pavers

we had our 50-year-old brick driveway replaced with concrete pavers about 5 years ago. They still look great. had to have a gas line replaced underneath - they just came out, the line was replaced, then they were put back down, and it looks the same. Concrete with a pattern would have been half the ...
by gtd98765
Mon Dec 04, 2017 7:05 am
Forum: Personal Consumer Issues
Topic: Auto Insurance -Drop Full Coverage?
Replies: 13
Views: 1652

Re: Auto Insurance -Drop Full Coverage?

Note that collision insurance typically provides the same coverage on rental cars as well. So if you are in the good habit of declining the CDW when you rent a car, you may have to reconsider that without collision.
by gtd98765
Sun Dec 03, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Card declined - blocked country
Replies: 49
Views: 3782

Re: Card declined - blocked country

I have used my Chase United Mileage Plus Visa card in several of the countries on the Alabama FCU list. Also my USAA visa card. Perhaps cards oriented to people who do a lot of international travel don't suffer from this problem?
by gtd98765
Wed Nov 29, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Scammed by Enterprise Car Rental
Replies: 35
Views: 4722

Re: Scammed by Enterprise Car Rental

Rental car companies often operate in a sleazy manner. I would insist on signing only a paper contract that makes all the costs clear.
by gtd98765
Thu Nov 23, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 3430

Re: Wifi speakers-SONOS vs Echo/Google Home

Although it does not
really get at your question of comparing with Alexa & Home, here is a lengthy positive review of Sonos: https://thewirecutter.com/reviews/sonos-player/

I have four Sonos speakers and think they are great. I have music all the time now.
by gtd98765
Tue Nov 21, 2017 5:24 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6551

Re: Trip to Hawaii - what do I need to know

what do I need to know
Caution - Hawaii is so beautiful and varied you may not want to return to the mainland.
by gtd98765
Sun Oct 29, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: If someone got into your laptop, would they have access to all sites via the password manager?
Replies: 46
Views: 2009

Re: If someone got into your laptop, would they have access to all sites via the password manager?

Isn't there a master password to activate the manager? You don't leave that open, right? Oh Oh :shock: I don't understand. Please explain. How do you access your password manager? You don't double click to open without a password, right? true. But it autofills name and password on the sites. There'...
by gtd98765
Sun Oct 29, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: If someone got into your laptop, would they have access to all sites via the password manager?
Replies: 46
Views: 2009

Re: If someone got into your laptop, would they have access to all sites via the password manager?

If someone were to gain access to one's laptop or computer and you had a password manager like "1Password" or "OneSafe", etc, with "auto fill" engaged. Wouldn't they be able to access all of your sites including Vanguard, etc? Typically password manager programs strongly encourage or require the us...
by gtd98765
Sun Oct 29, 2017 4:01 am
Forum: Personal Consumer Issues
Topic: Stucco vs Brick
Replies: 10
Views: 1377

Re: Stucco vs Brick

Stucco needs to be painted periodically to maintain its appearance. Brick, if unpainted at first, can last and still look good for 100s of years.
by gtd98765
Sun Oct 22, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 112
Views: 13076

Re: WPA2 protocol used by vast majority of wifi connections has been broken

In all likelihood any hacker would probably target a small business or doctors/ medical place before an individual home or even apartment. . Who knows. I figure hackers have to start somewhere and they might go for the low-hanging fruit first. Like a doctor living in a nearby, affluent neighborhood...
by gtd98765
Sat Oct 21, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 4848

Re: Antivirus Software Recommendations

On the few windows machines we run, windows defender is all we use. Personally, I've used a Mac since 2013, and have never worried or thought about viruses. https://www.pcmag.com/article2/0,2817,2369749,00.asp Windows Defender? Nope Earlier this year the Windows Defender program built into Windows ...
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: 947

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: 514

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: 6
Views: 1161

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: 83
Views: 7682

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...