Search found 41 matches

by gtd98765
Tue Dec 05, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Concrete vs Pavers
Replies: 18
Views: 2001

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: 1208

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: 3163

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: 4197

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: 2909

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: 46
Views: 4131

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: 1492

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: 1492

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: 1028

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: 11305

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: 44
Views: 3712

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: 741

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: 415

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: 908

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: 6267

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: 6459

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: 70
Views: 30512

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: 52009

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: 85
Views: 82283

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: 85
Views: 82283

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: 7129

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: 516

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: 2356

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: 50
Views: 4900

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: 2383

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: 2646

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: 8868

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: 1428

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: 1497

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: 835

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: 4740

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: 1178

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: 22413

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: 7772

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 responding o...
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: 1248

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: 907

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: 5176

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: 1217

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: 5255

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: 739

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: 739

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.