Search found 127 matches

by rich126
Mon Oct 15, 2018 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get a Federal Job
Replies: 22
Views: 2825

Re: Trying to get a Federal Job

I've been in and out of the government and am lucky to be "grandfathered" with the 0.8% pension contribution. Working for the government can be a pain if you are someone that likes to be productive and don't like dealing with a lot of red tape (I'm leaving shortly and going for a postponed retiremen...
by rich126
Fri Oct 12, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 28
Views: 3957

Re: Am I secure using my computer for financial services?

In most cases it is the company that gets hacked and not the end user. And with a determined adversary, most companies are vulnerable. I think most other posts have covered the basics: 1. Use a complex password 2. Don't reuse passwords. 3. When traveling use a VPN. 4. Avoid using public wi-fi when p...
by rich126
Fri Oct 12, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 47
Views: 1653

Re: TV recommendation for my father

I'd try and get him HDTV, its a huge improvement.

TVs I can't help with, I still love my plasma tvs.
by rich126
Fri Oct 12, 2018 6:39 am
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 44
Views: 2814

Re: Which one: Lyft or Uber?

I've seen drivers (Uber) pull up with a Lyft sign on the dashboard. Many work for both. I've only used Uber (probably around 20 times), largely due to some credits I get. I wanted to try Lyft but have yet to do so. Are taxis ever any cheaper than Uber during surge pricing? I got sick of dealing with...
by rich126
Fri Oct 12, 2018 6:34 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9460

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

“$1000/month job is worth $300k in retirement funds” Bringing in a $1000 a month would make a huge difference for some people but I would have to question the $300K figure. The problem is that you might be able to work the job for a while when you first retire but many if not most people will find ...
by rich126
Tue Oct 09, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3793

Re: How to get over paper loss?

Most everyone loses money on investments. Its like baseball, no team is going to win 162 games, nor no everyday player will hit 1.000. Investments in stocks should be viewed as "is this the best investment for me going forward" and not "I can't sell because it will be a lost". The only other factors...
by rich126
Mon Oct 08, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5482

Re: Geico umbrella us dropping me. What can I do?

I'm not in the business so I can't say if this is true but I think insurance companies often give you a lower price to start business with them and then they will slowly increase the premiums (even with no claims). They are counting on the fact that most people are lazy and have no interest in price...
by rich126
Mon Oct 01, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: New Snowbird- Tucson AZ
Replies: 17
Views: 2648

Re: New Snowbird- Tucson AZ

I lived 10 years in Arizona but that was Scottsdale. Never really had a reason to visit Tucson. And yeah, Jan-March is prime snowbird and tourist season. Lots of reasons. Men's Golf Tournament NASCAR race College Bowl Games Super Bowl in some years College Basketball Final Four Barrett Jackson Car S...
by rich126
Mon Oct 01, 2018 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 10697

Re: Anyone want to share their monthly budget? Here's ours

Interesting to see what people splurge on. I spend at least $450 a month eating out and probably more like $600 (I'm including food and drinks). And that is for one person. Now I don't spend much on cars, currently had to get a new (well, it didn't have to be new but my other car was totaled due to ...
by rich126
Thu Sep 27, 2018 6:09 am
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 25
Views: 2550

Re: Any reason to leave the 401(k) with previous employer open

Given that any other reasons to leave the account open, such as non investment related issues? asset protection, early withdrawal, or anything else I am missing. Rollover can be done anytime to Vanguard, the only real advantage I see is consolidation of funds into larger pool. The two accounts (IRA...
by rich126
Thu Sep 27, 2018 6:08 am
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7391

Re: cleaning lady stealing

A few years ago a guy I knew had a cleaning lady (I don't think she was associated with a company but I'm not sure). She worked for a while and he even recommended her to someone else. One day he stopped at an ATM and thought his account was low so he went inside and spoke with someone. Turns out th...
by rich126
Mon Sep 24, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2345

Re: How to watch baseball playoffs without cable

I haven't used it but some have suggested (elsewhere) checking out http://www.tvfool.com/

Provides info on channels in various areas.
by rich126
Mon Sep 24, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 25
Views: 2550

Re: Any reason to leave the 401(k) with previous employer open

Given that any other reasons to leave the account open, such as non investment related issues? asset protection, early withdrawal, or anything else I am missing. Rollover can be done anytime to Vanguard, the only real advantage I see is consolidation of funds into larger pool. The two accounts (IRA...
by rich126
Fri Sep 21, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2345

Re: How to watch baseball playoffs without cable

To compensate, I bought an HD antenna for ~ $25 Although I'm an electrical engineer, antennas aren't my speciality, but I doubt you need an "HD" antenna. When I first got an HD tv in Arizona I was still waiting on getting Directv set up so I connected it to a standard antenna and had zero problems ...
by rich126
Fri Sep 21, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 6951

Re: Don't trust Tripadvisor reviews

Sadly there is usually a conflict of interest between posting honest reviews and receiving advertising funds. Although magazines are largely out of vogue, you'd have stereo, car, etc. but you'd rarely see strongly negative reviews because how do those magazines make money? From stereo, car, etc. com...
by rich126
Thu Sep 20, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 56
Views: 3755

Re: Bathroom and Basement Remodel Costs

People spend too much on most home repairs and won't ever get their money back on them. I've known people who think it is a good idea to spend $75-100K on a new kitchen, etc. Will it help to sell the house, sure, but will it improve the house value to get anything close to what you spend, no chance....
by rich126
Wed Sep 19, 2018 6:54 am
Forum: Investing - Theory, News & General
Topic: Bonds. Why? (vs. cds)
Replies: 59
Views: 4628

Re: Bonds. Why? (vs. cds)

If we can assume that US interest rates are going to keep going up slowly through the next few years, why is better to invest in Bonds, vs. just investing in a CD ladder? Do Bonds Yield more than CDs? Ally has 2.5% CDs for a one year period, for instance (for a 25K minimum). We can’t assume. I alwa...
by rich126
Wed Sep 19, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2345

Re: How to watch baseball playoffs without cable

To compensate, I bought an HD antenna for ~ $25 Although I'm an electrical engineer, antennas aren't my speciality, but I doubt you need an "HD" antenna. When I first got an HD tv in Arizona I was still waiting on getting Directv set up so I connected it to a standard antenna and had zero problems ...
by rich126
Wed Sep 19, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25136

Re: What is your single most expensive mistake?

Not sure if it was my most expensive mistake but it was one of the most frustrating and stupid mistakes. I have a normal size car (Elantra) which I park in a 2 car garage. My normal thing is to press the garage door switch as I walk by it, hop in the car, put my snacks/drinks down, seat belt on, sta...
by rich126
Tue Sep 18, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3531

Re: Anyone hire an interior designer?

Maybe this isn't true for all of them but one of my major objections with them is that not only do you have to pay them (which is fine) but they often use products that are costly because they get kick backs from using those products. So you end up paying a fee plus another fee. If you simply paid s...
by rich126
Tue Sep 18, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 9946

Re: How real is cyber risk?

Unfortunately dealing with passwords is a really big PITA. You can start with the fact that a complex password is very important, especially having a long, non-dictionary word. You want something that isn't already pre-computer in rainbow attacks. Lets assume someone creates a nice 20 character pass...
by rich126
Mon Sep 17, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11436

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Interesting posts. In some ways I'm definitely a type A person. I can be very impatient, want things done yesterday, don't like mistakes, etc. I've worked in and out of the government and have done well. However, from nearly the start, I realized time is my most valuable asset and I'm not willing to...
by rich126
Fri Sep 14, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Job burnout - Keep grinding or change?
Replies: 62
Views: 6661

Re: Job burnout - Keep grinding or change?

With only ~10 years left until FI / retirement, I would stay at the job. Very short period of time in the grand scheme of things and I would try to utilize even more vacation time, sick time, FMLA, etc to cut down the amount of actual time at work. Another thought - You could be FI sooner if you do...
by rich126
Fri Sep 14, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: FERS why it is so low.
Replies: 12
Views: 1846

Re: FERS why it is so low.

There are a lot of misconceptions with regards to federal employment, and especially, retirement. I've had people think it was like the military or police and you could retire after 20 years. I wish! At one time there was the CSRS and that plan was generous although it presented the "golden handcuff...
by rich126
Fri Sep 07, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 3431

Re: Encryption Solution: Local + Cloud

I didn't read all of the messages in this thread but it depends on what you are trying to do. For example, most businesses want the entire hard drive encrypted in case it gets stolen the data should be safe. Apple has encryption built in (AES256) that you can turn on. Microsoft has Bitlocker in some...
by rich126
Wed Sep 05, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4243

Re: The future of my journals and logs

Ideally since storage is cheap we save much of it for some PhD student in the future who will want to use it as primary sources for some work about "How people lived back then..." Do you have any idea how many billions of photos are being stored now? Most will end up being deleted and never seen ag...
by rich126
Sat Sep 01, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1224

Re: Auto Renewals

Classmates Online? Hard to cancel? I would use a check or a temporary throw away credit card generated number such as Bank of America "Shopsafe" I didn't mention this in the original post but I guess this was my week to try and deal with a few subscriptions. I had another one that kept sending me e...
by rich126
Fri Aug 31, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Auto Renewals
Replies: 22
Views: 1224

Auto Renewals

A bit of a rant here but "auto renewal" is the number one reason why I rarely sign up for newsletters, reports, etc. on line. Companies try to spin it by saying "it is for your convenience". Of course it is 99% for the company to make money off people when they didn't realize it auto renews or make ...
by rich126
Thu Aug 23, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3128

Re: I love my job but DW hates location and I'm underpaid

Maybe this is a bit off topic but how did her hate for the location come about? Did you know it all along? Or did you guys decide to try something new and then later once she found what it was like, it turned out not to be what she wants?
by rich126
Wed Aug 22, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10499

Re: I own 1,387 items!

I think that sounds very low. My house isn't cluttered and I'm the only one living there and it wouldn't surprise me if I had about half that many items just in my basement with tools, electronics, etc. I'd imagine most families would be pushing towards much higher numbers.
by rich126
Fri Aug 17, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Recent Trip to Naples, Italy
Replies: 14
Views: 1895

Re: Recent Trip to Naples, Italy

I was there a long time ago (mid 1990s?) for about 4-5 days for work and couldn't wait to leave. I just found the non-stop traffic, car horns, pollution, etc. to be very stressful. Obviously not long. Then I went to a Naval base in Spain (Rota) and felt like I was in paradise. The city around the ba...
by rich126
Thu Aug 16, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Civil service: Long Shot Interview.. Would you go?
Replies: 33
Views: 3699

Re: Civil service: Long Shot Interview.. Would you go?

The government is messed up and they often hire people w/o proper qualifications so go for it. I've been in and out of federal government a few times and it is maddening. I have a relative who has a PhD in sociology and ended up with a government job as a statistician. The interviewer liked her desp...
by rich126
Thu Aug 16, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Moving company - arbitration experience?
Replies: 4
Views: 754

Re: Moving company - arbitration experience?

You said moving was paid by your employer? If so, usually your employer will assist with issues you encounter. In my moves my company would provide a POC to assist with my move (the POC is with your employer) and handles issues like this one. Also with corporate moves usually the moving company will...
by rich126
Thu Aug 16, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Travel delay: Can I *easily* get $60 back?
Replies: 39
Views: 2741

Re: Travel delay: Can I *easily* get $60 back?

https://www.condor.com/us/help-contact/contact/complaint.jsp http://www.thisismoney.co.uk/money/holidays/article-2271213/How-claim-EU-flight-delay-compensation-EC-261-2004.html The first link is to the Condor complaint form. There is an option for flights late over three hours. The second link is t...
by rich126
Thu Aug 16, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2973

Re: Discarding dead cell phone without purging my data

Buncha amateurs. I scrap electronics for a hobby and for extra money. I can tell you that if you drill a hole in a hard drive platter, the data is recoverable. Magnets are your friend there. Breaking hundreds of disks into hundreds of pieces is your friend. But be careful, some game systems like X ...
by rich126
Tue Aug 14, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 8851

Re: Asked my advisor about fees and here's their reply

I've almost always done my own investing (for better, or worse). A few years ago I hired a local guy based on his history (he had records of his own investing going back quite a few years) and the fact he invested his money along with his investors in the stocks. I also am a big believer in not putt...
by rich126
Fri Aug 10, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

Usually the ultra low cost airlines are the most aggressive in measuring bags. Also internationally (my experiences in Europe, anyhow) airlines are more aggressive in enforcing policies, especially if you are on a coach ticket. Premium seat passengers get away with a lot more. Have you seen them be...
by rich126
Fri Aug 10, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Device to listen to while exercising?
Replies: 23
Views: 1784

Re: Device to listen to while exercising?

I've never been much of a music person but if you have a smart phone you have a number of options. There are plenty of apps that allow you to listen to live radio stations around the US (and sometimes the world). There are apps that will play old time radio shows (Superman, Sherlock Holmes, CBS Radi...
by rich126
Thu Aug 09, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2413

Re: Prescription Price Shopping?

During my doctor visit yesterday the PA gave me some kind of coupon card to use. I'll check it out online and see what, if any, use it will be to me. Doesn't matter for another month (next refill time). I haven't seen it suggested here (may have missed it), but another option is getting medications ...
by rich126
Thu Aug 09, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: Do Airlines measure checked baggages?
Replies: 33
Views: 2251

Re: Do Airlines measure checked baggages?

Usually the ultra low cost airlines are the most aggressive in measuring bags. Also internationally (my experiences in Europe, anyhow) airlines are more aggressive in enforcing policies, especially if you are on a coach ticket. Premium seat passengers get away with a lot more.
by rich126
Wed Aug 08, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Your opinion on online courses?
Replies: 26
Views: 2263

Re: Your opinion on online courses?

I took a few graduate courses (only because my company at that time paid for it). Someone online schools are easy. I still learned stuff but if I take a class I only know how to study one way and can't say "we'll this is easy so I'll only study 60%". But, the exams were much easier than classes I to...
by rich126
Wed Aug 08, 2018 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2413

Re: Prescription Price Shopping?

Sitting at home, relaxing and doing stuff on the computer I don't mind. Waiting in one line only to get pushed to another line is another story, especially since I had just come out of the gym and was tired. And why couldn't the lady who was helping me do the coupon thing? Both lines were in the pha...
by rich126
Wed Aug 08, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: VITAX ( vanguard tech fund )
Replies: 14
Views: 1417

Re: VITAX ( vanguard tech fund )

I think it would make more sense just to invest in a few companies that you think have strong fundamentals and will do well going forward.
by rich126
Tue Aug 07, 2018 6:30 am
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2413

Re: Prescription Price Shopping?

Just to answer a few questions. Insurance is Federal Blue Cross/Blue Shield The drug is not generic and from my research there isn't an equivalent generic at this time, it involves how it is absorbed into the body. The price isn't something that causes me to change my life but it is the first time I...
by rich126
Mon Aug 06, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Prescription Price Shopping?
Replies: 37
Views: 2413

Prescription Price Shopping?

I know there are online sites that allows you to compare prices of medication but that is without insurance. If I have insurance does it pay to check with various pharmacies to see which one is cheapest? I don't know how insurance on prescriptions work. Does insurance simple cover x% of the retail p...
by rich126
Mon Aug 06, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10284

Re: Few weeks into new job recieved significantly better offer elsewhere

You don't want to burn bridges but you also have to do what feels best. My shortest tenure at any job was 1-2 months. I had left a job that I had for 15 yrs and took one with a smaller company with good people. While they were looking for the best place to put me, I received a call from a head hunte...
by rich126
Sun Aug 05, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Would buy and hold work if Japan's lost decade happens?
Replies: 64
Views: 7873

Re: Would buy and hold work if Japan's lost decade happens?

Well, the good news is at least inflation was minimal.
100 Yen on 6/1/88 went to 116 on 6/1/2018 so a total of 16% inflation.

Compared to the US
$100 -> $210.

Still would have been terrible.

http://fxtop.com/en/inflation-calculator.php
by rich126
Sun Aug 05, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Realtor Compensation (Couldn't sell, so renting)
Replies: 21
Views: 2377

Re: Realtor Compensation (Couldn't sell, so renting)

Not an attorney here but you may need to consider a variety of things (I've been renting out a SFH in AZ for 5+ years): 1. Consider moving it into a LLC for liability purposes. But this can also be a bad idea if you have a mortgage on the property because the mortgage holder can demand payoff of mo...
by rich126
Sun Aug 05, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: Bonds, CDs with Vanguard
Replies: 8
Views: 868

Re: Bonds, CDs with Vanguard

1. The Treasury is free from federal taxes A Treasury is not free from Federal taxes, it is Federally taxable. It is free from state and local taxes. Municipal bonds are free from Federal taxes. 2. Maybe if you expected rates to decline you'd want the longer term (not something I'd bet on but I've ...
by rich126
Fri Aug 03, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Bonds, CDs with Vanguard
Replies: 8
Views: 868

Bonds, CDs with Vanguard

I'm not a fixed income investor but during discussions here I've seen explanations as to how to buy them through Vanguard Brokerage. I was playing around (well, trying to navigate and look at the products) and have a couple of questions. When I get to a page that is titled "Find CDs and Bonds" I see...