Search found 190 matches

by yohac
Thu Nov 14, 2019 2:36 pm
Forum: Personal Consumer Issues
Topic: Cable modem/phone question
Replies: 4
Views: 232

Re: Cable modem/phone question

Hide the modem behind a piece of furniture. Or get them a phone with wireless handsets for Christmas.
by yohac
Mon Nov 11, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Mobile finance apps - do you use them?
Replies: 22
Views: 1039

Re: Mobile finance apps - do you use them?

JD2775 wrote:
Mon Nov 11, 2019 1:17 pm
If you don't have them on your phone is there a reason for it?
I just don't see the benefit. Except when depositing a check by snapping a photo - that's pretty cool.
by yohac
Thu Nov 07, 2019 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Did my SIM card / cell phone get hacked?
Replies: 9
Views: 1030

Re: Did my SIM card / cell phone get hacked?

Probably just some idiot with a grudge who used something like this:

https://www.spoofbox.com/en/app/spoof-sms
by yohac
Thu Nov 07, 2019 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Free Turbotax 2019
Replies: 19
Views: 2911

Re: Fidelity Free Turbotax 2019

stlutz wrote:
Thu Nov 07, 2019 12:19 am
That is always one of the more entertaining threads of the year--everybody trying to figure out the formula for who gets free Turbotax from Fidelity.
Vanguard simplified it a few years back.

The formula = Nobody
by yohac
Tue Nov 05, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1895

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

I wouldn't worry too much about keeping the peace. Seems to me that they sailed that ship by making a totally outrageous request. Hey neighbor, mind if I build an outhouse on YOUR property?
by yohac
Tue Nov 05, 2019 4:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 54
Views: 9161

Re: Vanguard now supports Yubikey 5 and 5C

I don't understand how Google Voice is more secure against SIM hijacking. Doesn't a code sent to your Google Voice number still have to go to your cell phone? A Google Voice number isn't tied to a SIM. You don't even need a phone. The text can be delivered to your Gmail. To swipe a GV number you'd ...
by yohac
Tue Nov 05, 2019 4:28 am
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11625

Re: New Job, Depressed, Money issues

Update: It is becoming increasingly painful every day vs getting easier. Yes, manager says 3 months to "ramp up" yet, he expects me to automate in the first month using the DevOps stack, where project is under deadline etc. Is this first month thing a goal, like a first assignment, or a hard deadli...
by yohac
Sun Nov 03, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11625

Re: New Job, Depressed, Money issues

- Startup company - wants you to deliver on day 1 - I was hired as Sr DevOps role (unsure why?) - should I ask to "demote" myself to Jr DevOps role and ask for a pay cut ? so they can give me bit more time to learn and deliver ? I would never ask for a cut in pay. Any normal company is not looking ...
by yohac
Sun Nov 03, 2019 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: New Job, Depressed, Money issues
Replies: 89
Views: 11625

Re: New Job, Depressed, Money issues

Given I have an option B now (another DevOps job), is there a way to "test out" option B now (to see if the Option B is less complex vs Option A) yet, keeping the Option A (current job) ? I don't see how. I know how you feel, being in a job where you feel lost. Here's the thing though, a long caree...
by yohac
Sun Nov 03, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Cell phone service
Replies: 21
Views: 1647

Re: Cell phone service

I had Tracfone on Verizon for awhile. Had cell coverage everywhere, but once when I was traveling and really needed data, it wasn't there. Just one data point of course, and who knows, maybe "real" Verizon would have had the same issue. I just don't expect absolutely the same experience everywhere o...
by yohac
Thu Oct 17, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 9952

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

I use Android myself, because I'm cheap. But if DW said she wanted an iPhone, I wouldn't try to stop her. Like others have said, an iPhone is very likely to work well overall. You have to do more research with Android phones. Seems like so many are prone to glitchy problems like boot loops, poor spe...
by yohac
Thu Oct 10, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4702

Re: Cheap Cell Phone Plan

If it's for VERY low use, T-Mobile's paygo plan at three bucks a month is the best deal I know of from a major carrier.

Edit: Looks like that plan has been farmed out to Ultra Mobile. Never mind.
by yohac
Sun Sep 29, 2019 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Employer is relocating - how to be allowed to work remotely
Replies: 51
Views: 3779

Re: Employer is relocating - how to be allowed to work remotely

I don't think there is anything scientific about it. Either they value you or they don't and those who can make the decision are aware of your contributions. This isn't something you can negotiate since this impacts everyone and the two choices offered are clear. The only thing you can do is ask. A...
by yohac
Wed Sep 25, 2019 9:35 am
Forum: Personal Investments
Topic: Swapping “certainty” for other benefits
Replies: 10
Views: 712

Re: Swapping “certainty” for other benefits

The conventional wisdom is that a pension is gold, especially with inflation protection. But personally I would take the buyout, especially if the company's future is shaky. Bird in the hand. I wouldn't want to have to sue someone over my pension when I'm in my dotage.
by yohac
Mon Sep 23, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Someone stole my wife's phone number (ie. ported to another carrier)
Replies: 52
Views: 5408

Re: Someone stole my wife's phone number (ie. ported to another carrier)

What do people think of using a Google Voice number as for 2FA? Potentially safer to avoid a SIM Swap attack? I believe so, or at least I haven't seen a credible account of a Google Voice number hijacking. The GV number I use for 2FA is only for that, not given to anyone else. Even if you wanted to...
by yohac
Sun Sep 15, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9347

Re: Do You Tip At Counter Service Restaurants?

Nicolas wrote:
Sun Sep 15, 2019 3:07 pm
Why don’t we tip grocery store baggers? They’re also providing a service and are low paid.
Many would say you should, and would in fact assert that anyone who provides any personal service whatsoever deserves a generous tip. And if you don't agree, and comply, you're simply a bad person.
by yohac
Tue Sep 10, 2019 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 5216

Re: Help me out - What am I doing wrong - Job Hunt related

When asked about why i'm looking for a new job I did indicate that there are certain aspects of my jobs that I like. But I also said that I'm looking to be challenged and I'm looking to go into a position that I'm looking to be a bit 'uncomfortable'. Said I do well when I'm in a new environment and...
by yohac
Sun Sep 08, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Costco washer/dryer delivery: tipping?
Replies: 54
Views: 4213

Re: Costco washer/dryer delivery: tipping?

Had a new mattress delivered on Friday. One of the guys hands me his phone for me to sign the receipt, and made a point of saying "Gratuities are appreciated." He'd said next to nothing until then. I had planned to give them each ten bucks anyway, which I thought was more than fair for less than ten...
by yohac
Wed Sep 04, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: "Home" Cell Phone
Replies: 40
Views: 3487

Re: "Home" Cell Phone

The newer OBi boxes are much easier to configure than the old ones, and the 200 frequently goes on sale for $40. But right, no 911.

I've had T-Mobile's $3 pay-as-you-go for years. Get a $40 card and you're set for the year, assuming it really is only for occasional use.
by yohac
Tue Sep 03, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 4912

Re: Some Computer Science Career Advise?

bouncyboglehead wrote:
Tue Sep 03, 2019 9:38 am
He said that they were planning on promoting me to staff this winter in the next round of promotions.
To me, that would mean exactly nothing.
by yohac
Mon Sep 02, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Feeling confused/stressed: adapt to house or move?
Replies: 31
Views: 2740

Re: Feeling confused/stressed: adapt to house or move?

If the house is otherwise as perfect as you say, I'd stay and spend what it takes to make it work for you. Your contractor FIL is an advantage, if only for advice. Moving is a gamble. There can be unseen issues that don't show up on an inspection. Or loud obnoxious neighbors.
by yohac
Fri Aug 23, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 5868

Re: Manager is Interviewing Candidates (External) before Job is posted

This happens all the time. The manager picks someone on the golf course, then the posting is just an HR formaility. I should have taken up golf.
by yohac
Fri Aug 23, 2019 6:13 am
Forum: Personal Investments
Topic: Is 401K possible from perdiem job ?
Replies: 19
Views: 1101

Re: Is 401K possible from perdiem job ?

HR initially thought request couldn't be done, but after I presented evidence to the contrary, they conceded it was possible but wouldn't be done. :P To this day my employer's online employee handbook says that health insurance is available to part-time employees who work at least 30 hours per pay ...
by yohac
Wed Aug 21, 2019 11:05 am
Forum: Investing - Theory, News & General
Topic: Is Vanguard BROKEN? Will they fix it?
Replies: 9
Views: 2120

Re: Is Vanguard BROKEN? Will they fix it?

Is there a way to pull it from Jackson without paying taxes on it? If you can have Jackson mail the check to you, but payable to Vanguard, you can use the Vanguard phone app to take a picture of the check and deposit it to your Vanguard IRA automatically. No paperwork. Works great, as long as the c...
by yohac
Sun Aug 18, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Ethernet, MoCA, House Wiring
Replies: 24
Views: 2126

Re: Ethernet, MoCA, House Wiring

I used a couple MoCA adapters for a few years. Can't remember what brand. They worked well enough, nowhere near their rated speed though. I got rid of them when a router upgrade actually worked better, plus DW did not appreciate the extra boxes and cables.
by yohac
Sat Aug 17, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11210

Re: Aliens have captured my husband [wants to buy a Porsche]

msrumphius wrote:
Sat Aug 17, 2019 2:56 pm
Now I’m trying to understand my husband’s perspective and help make the right decision.
Porsche perspective can't be explained rationally, and it sounds like the decision is already made. Just go with it, and start thinking of what you can ask for in return!
by yohac
Fri Aug 16, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8847

Re: Taking a break in your 50s: Is it the kiss of death?

Finding a new job would be a long shot. But you are in a position to roll the dice at your current job. If you told your manager you were burning out, maybe you could work out a less stressful arrangement. Or if not, at least you'd know how little you are valued.
by yohac
Thu Aug 15, 2019 5:22 am
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6987

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

If I wanted to boycott every business that allows someone else to act irresponsibly, I wouldn't get out much.
by yohac
Tue Aug 13, 2019 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Basic tax topic
Replies: 15
Views: 1682

Re: Basic tax topic

The "tax prison" is the best financial thing that ever happened to me. My aversion to taxes overpowered the urge to sell out of fear.
by yohac
Tue Aug 13, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4791

Re: Do burglars steal and use paperwork?

Have not heard of anyone using something like a Vanguard statement to loot an account. A thief would need more than just a name and account number. But I'd get rid of all that paper anyway.
by yohac
Mon Aug 12, 2019 5:48 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17162

Re: Wellesley 56.05% drop today

Obviously a mistake, but such things don't exactly fill you with confidence.
by yohac
Mon Aug 12, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Follow your head or your heart
Replies: 30
Views: 2350

Re: Follow your head or your heart

Now that I'm retired, I value simplicity. Don't assume that living in a co-op/condo is as simple as an apartment. They are only as good as their association. Got a cracked driveway or leaky basement? Big deal to you, maybe not a priority to the board. You can always walk away from an apartment if th...
by yohac
Sun Aug 11, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 6987

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

If you go long enough with no loans or credit activity, you will end up with a stale credit report. I had a friend in that situation and she occasionally ran into problems, such as trying to get cable service. On a day-to-day basis she was fine, but I think she finally got a card just to avoid those...
by yohac
Sat Aug 10, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8585

Re: No pay increase but increase in responsibility

alphacollector wrote:
Fri Aug 09, 2019 8:54 pm
I’m already working 13-15 hours of overtime every week.
...
I don’t want to be looked at as a non-team player.
Better a non-team player than a burned out martyr. It's nice that you get paid for those hours but as others have said, employers almost always keep piling on until you push back.
by yohac
Fri Aug 09, 2019 5:49 pm
Forum: Investing - Theory, News & General
Topic: Why do dividends still exist?
Replies: 204
Views: 12580

Re: Why do dividends still exist?

Without dividends, there wouldn't be much incentive to buy stocks of slow-growth companies like utilities.
by yohac
Thu Aug 08, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4433

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

I would frame it like this - do I want a new car that I don't really need, or do I want to retire a year sooner?
by yohac
Thu Aug 08, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Negotiation Came to a Halt
Replies: 67
Views: 5464

Re: Real Estate Negotiation Came to a Halt

I don't see a deal being made here. They are (apparently) overpriced and IMO were out of line insisting on talking to your lender. And you have been lowballing. I think they'd reject your 850K just out of principle. At least for now.
by yohac
Wed Aug 07, 2019 3:07 pm
Forum: Personal Investments
Topic: My NEW Portfolio + The State of the Market (DOWN)
Replies: 56
Views: 3500

Re: My NEW Portfolio + The State of the Market (DOWN)

Johnbnice wrote:
Wed Aug 07, 2019 2:00 pm
would it be wise to maybe pull out, take a small loss in anticipation of whats going on or what may continue to get worse?...

Looking at the news is making me sick!
One of the first things you will learn is that, according to the news, every day is the eve of destruction.
by yohac
Wed Aug 07, 2019 10:28 am
Forum: Investing - Theory, News & General
Topic: Why buy sovereign bonds with a negative yield?
Replies: 94
Views: 7023

Re: Why buy sovereign bonds with a negitave yeald?

The entities buying these bonds either have no other choice, or they think interest rates are headed even lower.
by yohac
Tue Aug 06, 2019 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7748

Re: Financial anxiety and next steps in relationship

"I'll have kids with you but I won't marry you until you pay off your debt" almost comes off like an ultimatum. It would most likely end their three year relationship. But yes, better that than a divorce.

OP, time's up. Make a decision.
by yohac
Mon Aug 05, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7748

Re: Financial anxiety and next steps in relationship

Our relationship is a good one and I’m sure we could tackle these challenges, but I could use help in understanding exactly how bad of a situation this would be. The OP was kinda asking for a cost-benefit analysis (otherwise why come here) but not quite everything in life is about money. If you can...
by yohac
Sun Aug 04, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Is our spending crazy?
Replies: 111
Views: 7477

Re: Is our spending crazy?

If I was bringing home all the money, spending none of it on myself, and burning out, I imagine I would feel a bit nauseous too.
by yohac
Sun Aug 04, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7748

Re: Financial anxiety and next steps in relationship

More important than student loan debt is whether you are on the same page going forward. Is she by nature more of a spender or saver? Will she really be satisfied with a 200K home? Does she want one kid or five? You need to have a frank discussion on this before considering next levels.
by yohac
Tue Jul 30, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Working four days a week
Replies: 21
Views: 1674

Re: Working four days a week

Casper wrote:
Tue Jul 30, 2019 6:58 am
it wouldn't become a situation where I'm working 5 days but being paid for 4.
If that's true, you work for a rare employer.
by yohac
Sat Jul 06, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: No more print Mad magazine
Replies: 31
Views: 2471

Re: No more print Mad magazine

22twain wrote:
Sat Jul 06, 2019 6:54 am
Star Blecch.
I still remember a great line from that one.

"Where are the bathrooms on this ship?"
"There aren't any. You'll just have to go where no man has gone before."
by yohac
Wed Jun 26, 2019 6:40 am
Forum: Investing - Theory, News & General
Topic: Spousal Consent Required for 401(k) Plan Withdrawals or Rollovers?
Replies: 24
Views: 2183

Re: Spousal Consent Required for 401(k) Plan Withdrawals or Rollovers?

It depends on the plan, so you have to ask. I was able to rollover my last 401k without spousal consent. TIAA required it though. Seem to recall that it had something to do with whether there was a potential for annuitizing.
by yohac
Wed Jun 26, 2019 5:32 am
Forum: Personal Consumer Issues
Topic: GV alternatives?--please help
Replies: 3
Views: 630

Re: GV alternatives?--please help

I found Google Voice too unreliable, missing incoming calls, etc. I just ported my GV number to CallCentric. Porting was easy, and free except for the three bucks I had to pay Google to unlock the number. Right now it sounds like you don't have control of the number to unlock it. I've been using Cal...
by yohac
Sun Jun 23, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8341

Re: How do you approach tipping at carry-out restaurants

In general I don't tip someone who is just handing me a box or a bag. But then you have places like Outback where carryout means you have to let someone walk 20 feet to bring the bag to your car. So I usually tip about 10%. Otherwise I'm just not a good person, says American society. But 4 or 5 buck...
by yohac
Thu Jun 20, 2019 3:09 am
Forum: Personal Finance (Not Investing)
Topic: HR telling my wife not to contribute 100% of her salary to 401k
Replies: 24
Views: 4562

Re: HR telling my wife not to contribute 100% of her salary to 401k

I put 100% in my 401k, and where I work that means 100% after FICA deductions. But I have no deductions for benefits. If I did I would have had to lower the percentage to cover those. But income tax is not an issue.
by yohac
Fri Jun 07, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 4172

Re: Preventing Identity Theft

Create your "my Social Security" account at ssa.gov, even if you're young. Arguably, sign up for USPS Informed Delivery. Both of these to prevent someone else from doing it. Set up alerts on your financial accounts.