Search found 246 matches

by AntsOnTheMarch
Wed Oct 18, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 23
Views: 936

Re: Data Use on Smartphones

DW and I are very light data users as we are on Wi-Fi most of the time. We still use about 2 gigs per month combined. Our plan comes with 2 gig / month data but our unused data gets rolled over to a point (capped at 7 or 8 gigs?). It’s handy because some months’ usage is less than 2 gigs but other m...
by AntsOnTheMarch
Tue Oct 17, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4526

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

Apple's network products (Time Capsule, etc.) are not affected https://www.imore.com/krack So any client that connects to those are fine Apple's other client products (macos, iOS, etc.) have a patch already in beta OK, running an AirPort Extreme router so all should be ok. Thanks for the link.
by AntsOnTheMarch
Tue Oct 17, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4526

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

There *may* be a suburban bias in some of this advice. I used to lived in a home on one acre. I’d never worry there about anyone physically getting in range to mess with my Wi-Fi. I’d see the person and they’d be very conspicuous. I now live in a condo in town and I can see every Wi-Fi in the buildi...
by AntsOnTheMarch
Tue Oct 17, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 54
Views: 4526

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

For those of us who don’t speak geek, I assume Mac OS X Sierra is patched or will be soon? Running Lion on one Mac (for legacy software purposes) but since AirPort Extreme Wi-Fi router is not likely to ever be patched (discontinued), I will upgrade to Sierra. Don’t want to go to high Sierra any time...
by AntsOnTheMarch
Wed Oct 11, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11261

Re: [Prevent mail theft; sign for USPS Informed Delivery]

After failing the security part of the verification process and waiting 72 hours and trying and failing again, I'm convinced that USPS doesn't know the correct answers to my ID verification questions. Yes, I know how much my home sold for, what year it was built, what counties I've lived in, old pho...
by AntsOnTheMarch
Mon Oct 09, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2833

Re: Rental cars and Lose of Use insurance

The way that I understand it, VISA (not the bank issuing the card) provides coverage on all VISA cards (maybe they have special perks on premium cards). So as long as you refuse the rental company's insurance, you are covered--including for loss of use. According to VISA... Q: I see that for domesti...
by AntsOnTheMarch
Mon Oct 09, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4781

Re: Is there boglehead consensus on buying a car?

My opinion: if you're buying something like civic, buy it new (or really old if you like a beater). I doesn't pay to buy a 2 year old civic or Accord because they hold a lot of their value. You don't know how the previous owner treated the car and to save a couple of thousand on a 20k plus car does...
by AntsOnTheMarch
Sun Oct 08, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4781

Re: Is there boglehead consensus on buying a car?

My opinion: if you're buying something like civic, buy it new (or really old if you like a beater). I doesn't pay to buy a 2 year old civic or Accord because they hold a lot of their value. You don't know how the previous owner treated the car and to save a couple of thousand on a 20k plus car doesn...
by AntsOnTheMarch
Sun Oct 08, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11261

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Munir wrote:
Sun Oct 08, 2017 10:46 am
I tried it for a few weeks and shut it down. It was inaccurate and caused me headaches worrying about lost mail which eventually showed up 2-3 days later. For me, time is too precious to spend it on such activities which are more of a gimmick than being helpful.
Helpful! Thank you.
by AntsOnTheMarch
Sun Oct 08, 2017 10:05 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11261

Re: [Prevent mail theft; sign for USPS Informed Delivery]

I signed up because our mail delivery is erratic. I've already identified two letters that simply never arrived (it's been over a month). It's been useful to know when I need to make a call to inform a mailer of lost/stolen mail. I'm thrilled to know someone will be surprised to learn their $50 cer...
by AntsOnTheMarch
Sun Oct 08, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11261

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Seems to me that if the system can't accurately predict when the mail is arriving, it's of limited value. So all the people saying they're using this to decide whether to trek down to the mailbox, how's that working for you? Do you find the mail you expect based on email alerts received?
by AntsOnTheMarch
Sat Oct 07, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1238

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

Capital One used to routinely deny my first routine purchases whenever we went to Hawaii (something we do annually). I would call and they would unlock the card and advise me to always let them know in advance when leaving the US. :mrgreen: Chase in contrast is top-notch on fraud filtering. Not per...
by AntsOnTheMarch
Sat Oct 07, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1238

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

It happens to me a couple of times a year. It's just their fraud detection algorithm that flags anything unusual. It's more likely to happen with online purchases. While annoying it's actually a good thing. be aware that even if you confirm it, you will likely have to reinitiate the transaction. My...
by AntsOnTheMarch
Sat Oct 07, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 52
Views: 3119

Re: Password Protection

So many of these threads. I use 1Password on iPad and iPhone. It syncs over iCloud. I'd have to pay for Mac version so I use keychain on Mac but all my most complete data is in 1Password (including notes and PINs from recent freezes). From my limited understanding, hacking is not simple because the ...
by AntsOnTheMarch
Sat Oct 07, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1238

CC online purchase at BestBuy denied - related to recent credit freeze?

I just made an online purchase at BestBuy for $600+ and received a "Fraud Alert email and text from the CC (Chase Visa) that the charge was denied. I had to reply and verify that it was me that made the purchase and then go back to BestBuy and have them reapply the charge. These were all legitimate ...
by AntsOnTheMarch
Tue Oct 03, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11261

Re: [Prevent mail theft; sign for USPS Informed Delivery]

DaftInvestor wrote:
Tue Oct 03, 2017 6:08 pm
I attempted to sign up and got a failed identity verification message. I answered all questions correctly so perhaps the post office doesn't know me as well as they think they do.
Ditto. I have to wait 72 hours to try again.
by AntsOnTheMarch
Tue Oct 03, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3928

Re: Should I get a New Mac or Macbookpro?

Our Apple products (the whole house is now 100% Apple) are by far the best computer products we have ever used. I keep each MacBook Pro for 3 years, sell outright, and buy a new one. I have found this to be an economical way to keep a "snappy" device with as little outlay as possible. These compute...
by AntsOnTheMarch
Sat Sep 30, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3928

Re: Should I get a New Mac or Macbookpro?

I assume everyone here is using TimeMachine or, my choice, CrashPlan to have version control of data. I’ve migrated many Windows machines that way, painlessly, after storage issues. I use time machine and CCC https://bombich.com/ for two different and separate physical back ups. I have restored fro...
by AntsOnTheMarch
Sat Sep 30, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3928

Re: Should I get a New Mac or Macbookpro?

Computers are complicated but they don't have to be. In your case, I would upgrade for 3 reasons. 1. The speed on the new Mac will be amazing! 2. Getting your files over to the new Mac will be easy peasy. Just run set up assistant and/or migration assistant. I don't remeber the process exactly but j...
by AntsOnTheMarch
Sat Sep 30, 2017 3:00 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7361

Re: Alternative to Google Finance?

Thank you, Ice-9, for this info! Just in time too: my Google tickers all expired again, like they do every month as I don't like to be signed in all the time; and instead, I just now started using bookmarked URL with my holdings like one above. I looked at Yahoo Finance, but it appears the portfoli...
by AntsOnTheMarch
Fri Sep 29, 2017 7:11 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20110

Re: Iphone X is $1000

I've been using Apple products since the mid-80s so I'm way up there on the idiot scale. I've been called a sheeple to my face by a windows acolyte and now it seems that the google geniuses are here to save me from myself. No thanks. Here's why. Outside of cursory review, I have no idea of the specs...
by AntsOnTheMarch
Thu Sep 28, 2017 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Won't make a bit of difference. The whole system is broken and setup with wrong incentives, and a forced early retirement of CEO is not going fix it... Agreed, and his $18 million annual pension isn't making me feel any better about it. With this breach, Pandora's box is open and can't be shut agai...
by AntsOnTheMarch
Wed Sep 27, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Wow, there are over 650 posts on this thread - way too long to read! Is there a "best practices" summary/conclusions somewhere? I would read this: https://krebsonsecurity.com/2017/09/the-equifax-breach-what-you-should-know/ Seems to cover it well, imo. Edit: I had not seen the wiki page siamond pos...
by AntsOnTheMarch
Tue Sep 26, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 52
Views: 7361

Re: Alternative to Google Finance?

I have my portfolio in an Apple numbers spreadsheet which pulls in quotes from yahoo finance nightly. I'm very happy with how it's working. Prices update anywhere from shortly after market close to later in the night. No glitches after several months of use. The main reason I like everything in a sp...
by AntsOnTheMarch
Tue Sep 26, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: 20% Down Payment Sub-optimal?
Replies: 54
Views: 4359

Re: 20% Down Payment Sub-optimal?

John Laurens wrote:
Tue Sep 26, 2017 10:58 am
Interesting, I prefer the 100% method.

Regards,
John
:thumbsup
by AntsOnTheMarch
Mon Sep 25, 2017 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Today, I got both Innovis pins (DW's and mine). So I'm caught up with all freezes. I also got the second of 3 requested credit reports for DW (had to request her reports by mail for some reason). Now the kicker. Instead of receiving her credit report from equifax, they sent her a letter asking for a...
by AntsOnTheMarch
Sun Sep 24, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

I just received the Chex pins. I got mine Friday and DW's came on Saturday. I got my credit reports for the big 3 online but I had to write in for the wife. One (TransUnion) came in Saturday. Still awaiting 2 others. Also due, 2 more institutions owe me credit freeze PINs after they said 3 biz days ...
by AntsOnTheMarch
Fri Sep 22, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4471

Re: IOS 11: Anybody using it yet?

For a major release, I wait until the second or third update before upgrading. Within the first few weeks, there are usually issues for some users that need to get resolved. We have 4 iOS devices at our house and I'd rather not run into any bleeding edge problems if I can avoid them. One thing I did...
by AntsOnTheMarch
Fri Sep 22, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24033

Re: I won the Lottery. Need sound advice.

I'm always in favor of debt free living because I believe it brings benefits beyond the numbers. So I say :thumbsup to paying off your debt. To the other already awesome advice received, I would add: Track all expenses from now on for a few years at least. That means every cent (for even a stick of ...
by AntsOnTheMarch
Thu Sep 21, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24033

Re: I won the Lottery. Need sound advice.

I want to thank you all for the advice. Many of you pulled no punches, so thank you. I agree that the underlying problem has been our spending habits and general lack of financial discipline. This windfall is the "reset button", I know. Nothing will change until we learn to live within our means, a...
by AntsOnTheMarch
Thu Sep 21, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25287

Re: Is a security freeze at Innovis really needed?

I get the sense that Innovis is unlike the big three and if you've frozen those, someone will not be able to open a line of credit in your name based on an Innovis credit report alone. Since Innovis does not sell credit reports, you don’t need to be concerned about businesses making credit decision...
by AntsOnTheMarch
Thu Sep 21, 2017 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25287

Re: Is a security freeze at Innovis really needed?

I get the sense that Innovis is unlike the big three and if you've frozen those, someone will not be able to open a line of credit in your name based on an Innovis credit report alone. Since Innovis does not sell credit reports, you don’t need to be concerned about businesses making credit decision...
by AntsOnTheMarch
Thu Sep 21, 2017 5:55 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24033

Re: I won the Lottery. Need sound advice.

I don't have specific advice but I'd worry that if you've been comfortable racking up debt at this rate with a nice income, what's to stop you from doubling and tripling down on that approach? Money, in my experience, doesn't change people. It simply provides them with the ability to become more of ...
by AntsOnTheMarch
Thu Sep 21, 2017 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25287

Re: Is a security freeze at Innovis really needed?

I get the sense that Innovis is unlike the big three and if you've frozen those, someone will not be able to open a line of credit in your name based on an Innovis credit report alone. Since Innovis does not sell credit reports, you don’t need to be concerned about businesses making credit decisions...
by AntsOnTheMarch
Wed Sep 20, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 25235

Re: Calling out the not so rich bogleheads

I'm not in the high net worth club here so whenever I read about someone with multi millions saved or 600k annual income I try to remember that I am wealthier than most Americans and that puts me in the stratosphere globally. Or, as a Buddhist monk once quipped, "Why do you, a rich man, go begging f...
by AntsOnTheMarch
Mon Sep 18, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9720

Re: Account security - Hackers gain access to mobile and then break havoc

https://www.theverge.com/2017/9/18/16328172/sms-two-factor-authentication-hack-password-bitcoin "This is why you shouldn’t use texts for two-factor authentication" Comment from the article: The big problem with this article is that it conflates two unrelated issues. The main issue it’s describing, ...
by AntsOnTheMarch
Mon Sep 18, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9720

Re: Account security - Hackers gain access to mobile and then break havoc

Re, Authenticator app: say you want to change apps (stop using google Authenticator and start using another app). You'd have to go through the process of setting up new accounts? What happens when you upgrade phones? Will restoring from backup bring your accounts up to date? What if you don't resto...
by AntsOnTheMarch
Mon Sep 18, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9720

Re: Account security - Hackers gain access to mobile and then break havoc

I believe that apple's latest two factor authentication is device dependent and will only send the code to a trusted device (using iMessage?). If this is the case, it should provide better protection for your AppleID/iCloud account at least—which may also be your email and a bunch of other things. S...
by AntsOnTheMarch
Thu Sep 14, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Can't Register With TransUnion
Replies: 16
Views: 1577

Re: Can't Register With TransUnion

These very difficult to answer questions are getting harder all the time. My wife couldn't complete her SS online registration and finally it kicked her off the system and said she needs to go to the office with ID if she wants to open an online account. We went through the questions together we sti...
by AntsOnTheMarch
Wed Sep 13, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11320

Re: Anyone else freeze their credit score?

misterno wrote:
Wed Sep 13, 2017 9:22 pm
winski58 wrote:
Sat Sep 09, 2017 1:45 pm
Just froze Experian, TransUnion and Equifax this morning and there was no charge. Does this mean my credit has been breached?
how did you freeze all of them for free?
It's free in some states.
by AntsOnTheMarch
Wed Sep 13, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

3) My first inclination is to put my PIN numbers in Evernote, but that's probably not a good idea. Or maybe use some shorthand e.g. EF 452857 so it's not so obvious. Or just do it the old fashioned way and try to keep things offline/secure. I wouldn't use Evernote for this. Not encrypted and they'v...
by AntsOnTheMarch
Wed Sep 13, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11320

Re: Anyone else freeze their credit score?

I change electricity providers every three months in TX. They always run a credit check when you do this (even if you were a prior customer). So, I probably will not be freezing my credit. However, I will monitor my credit activity every week (for the next 10 years) So you have the time to change y...
by AntsOnTheMarch
Wed Sep 13, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11320

Re: Anyone else freeze their credit score?

I change electricity providers every three months in TX. They always run a credit check when you do this (even if you were a prior customer). So, I probably will not be freezing my credit. However, I will monitor my credit activity every week (for the next 10 years) So you have the time to change y...
by AntsOnTheMarch
Wed Sep 13, 2017 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11320

Re: Anyone else freeze their credit score?

- Verified two-factor authentication was in place for financial accounts & verified email alerts for all non-credit card transactions. - Setup two-factor authentication for Google accounts..... Not sure 2 factor is all that great (?) A hacker could call Sprint AT&T etc and port your phone # to a ne...
by AntsOnTheMarch
Tue Sep 12, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7500

Re: Best Lower Cost USA Cities to Live

I can't recommend it personally because I haven't been but a friend's son moved from the NYC metro area to Kansas City for an internship after college and has raved about it. If his rent is any indication of COL it seem dirt cheap. Maybe something to google.
by AntsOnTheMarch
Tue Sep 12, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Almost there wrote:
Tue Sep 12, 2017 9:10 pm
Thank you.
No problem. I did all 5 for me and DW (10 freezes total). Experian and TransUnion charged me $10 per freeze. No charge from the others. So it ended up $40 total (fee amounts subject to state laws). Good luck.
by AntsOnTheMarch
Tue Sep 12, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Thank you, triceratops, for the link. I just signed up. So should I also sign up for a credit freeze with the other 3 credit reporting agencies? Freeze Credit (Links) https://freeze.transunion.com/sf/securityFreeze/personalOrderProcess https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.js...
by AntsOnTheMarch
Tue Sep 12, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Equifax reports both mine and DW's info was not compromised. I checked twice. I still decided to freeze credit on all 5 agencies for good measure. I was debating whether to freeze credit over the last year so this just pushed me over the top. First time I checked, they said I was compromised. The s...
by AntsOnTheMarch
Mon Sep 11, 2017 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46988

Re: Equifax customer information leak

Word to the wise...The Chex site asks for your driver's license when implementing a freeze. Don't give it to them. It's not a required field. Even though it's not noted as required when I tried leaving it out the freeze didn't go through and I was asked to provide it. So I believe it is required. L...