Search found 723 matches

by rj342
Tue Mar 03, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3545

Re: How frequently do you change passwords, NOT what password manager do you use

FWIW I never let my browser remember my passwords Why not? Way more convenient then always typing in your username and password. It's not like somebody is going to break into your house and get on your computer. It forces me to remember them, which I do. Then either they are short and less effectiv...
by rj342
Tue Mar 03, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: Alexa Dot
Replies: 18
Views: 1575

Re: Alexa Dot

AFAIK the security of Alexa/echo/dot devices is about as good as can be expected - there may be some potential attack surface that Amazon hasn't properly secured but I don't know of any outstanding security holes/problems. There are privacy issues, though, if that's what you mean by security. You'r...
by rj342
Mon Mar 02, 2020 12:50 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193370

Re: Bogleheads community discussion - Coronavirus

Ever since the scare of Y2K and the non event that followed, scientists have not been taken seriously. From climate change, SARS, MERS, H1N1 to predictions of dire hurricanes to massive snowfall or widespread famine has been met with skepticism. Hope this event meets the same fate. Um, the Y2K scar...
by rj342
Sat Feb 22, 2020 2:17 am
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3545

Re: How frequently do you change passwords, NOT what password manager do you use

atikovi wrote:
Fri Feb 21, 2020 7:44 pm
rj342 wrote:
Fri Feb 21, 2020 3:30 pm
FWIW I never let my browser remember my passwords
Why not? Way more convenient then always typing in your username and password. It's not like somebody is going to break into your house and get on your computer.
It forces me to remember them, which I do.
by rj342
Sat Feb 22, 2020 2:13 am
Forum: Personal Finance (Not Investing)
Topic: How much should a college student save for when he graduates?
Replies: 14
Views: 1150

Re: How much should a college student save for when he graduates?

... The catch is that I want to move out of my parent's house asap right after I graduate. ... I am surprised I don't see where anyone else has suggested you should take a serious look at this. Assuming you stay local, living at home for just a couple months into the full time job totally changes y...
by rj342
Fri Feb 21, 2020 3:43 pm
Forum: Personal Investments
Topic: How important is it to hold Real Estate
Replies: 38
Views: 3673

Re: How important is it to hold Real Estate

I live in a VHCOL area and like many here just cannot afford to buy without being house poor which I have no interest in being. I rather build up my portfolio and my plan is to eventually move to a LCOL area when I retire early. Now, I was talking to a few people and their argument is that it's ver...
by rj342
Fri Feb 21, 2020 3:42 pm
Forum: Personal Investments
Topic: I sold all my Apple shares today.
Replies: 40
Views: 6880

Re: I sold all my Apple shares today.

The only single stick I have in my 401k is a small amount of Amazon, which has almost tripled in the 3 years or so.
One part of me says sell, another part says they may keep killing it for another 20 years so let it ride.
by rj342
Fri Feb 21, 2020 3:33 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a wireless gateway (Modem+Router)
Replies: 7
Views: 533

Re: Recommendations for a wireless gateway (Modem+Router)

I vote for the flexibility of separate modem and wifi router. You are more likely to update the former less frequently than the latter. My pet peeve is every couple weeks just the wifi side of my router will go down while the wired ethernet side is fine, seamlessly recovering from whatever transient...
by rj342
Fri Feb 21, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: How frequently do you change passwords, NOT what password manager do you use
Replies: 66
Views: 3545

Re: How frequently do you change passwords, NOT what password manager do you use

Not answering your question, but a related pet peeve... I *hate* websites that are so insanely strict about passwords that I am always having to submit MORE sensitive info as part of the Forgot/Change Password process. I'm talking about the combination of very high complexity requirements, age, and ...
by rj342
Thu Feb 20, 2020 10:23 pm
Forum: Personal Consumer Issues
Topic: HS Latin or Spanish/ASL?
Replies: 63
Views: 2496

Re: HS Latin or Spanish/ASL?

Better if the kid had some Latin then switched to Spanish. I weakly lean to more Spanish for immediate practicality, but don't rule out the Latin entirely. Why? My son had 4 years of Latin in HS (class of 2016). Definitely helped his verbal test scores and English vocabulary in general. Has helped h...
by rj342
Wed Feb 19, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 921
Views: 81129

Re: Talk me out of buying a Tesla Model 3

I would never have a pure EV as my only car here in hurricane country on the Gulf Coast (or anywhere else w similar local grid down possibilities).
by rj342
Tue Feb 18, 2020 7:12 pm
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11284

Re: Perform own oil change pros & cons?

Fortunately it is not all or nothing. You can have them do the oil change plus check other items. Do the engine and cabin air filters yourself - they will not be needed every time anyway. But let them check. Depending where you got your tires, thw tire shop may do rotation and balance for "free", in...
by rj342
Tue Feb 18, 2020 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3079

Re: Any ideas for a little extra money each year?

And, regardless, the OTA antenna content is much less than the cable, so nit a perfect substitute so the value of the savings is something less than the $150 (even only considering what you actually watch, vs what they make available). Watching TV has zero value. Having more "content" tempts you to...
by rj342
Tue Feb 18, 2020 12:40 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 5017

Re: Can we trust wirecutter reviews?

I've only used them a little so have no opinion. I do know over the years I would find reviews lacking in Consumer Reports, the popular mass market stereo magazines, etc in certain categories, where the reviews suffered from what I called feature-itis -- only looking at easy to check offs like count...
by rj342
Tue Feb 18, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3079

Re: Any ideas for a little extra money each year?

And, regardless, the OTA antenna content is much less than the cable, so nit a perfect substitute so the value of the savings is something less than the $150 (even only considering what you actually watch, vs what they make available). Watching TV has zero value. Having more "content" tempts you to...
by rj342
Tue Feb 18, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: Combo scanner for photos and documents?
Replies: 5
Views: 321

Re: Combo scanner for photos and documents?

No particular recommendations, but the software with even some relatively inexpensive flatbeds will let you fit as many photos as possible on the bed (w slight gaps), and use edge detection to create separate image files for each out of a single full bed scan. Thats one way to speed things up.
by rj342
Tue Feb 18, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: How much term life insurance do I need?
Replies: 34
Views: 2884

Re: How much term life insurance do I need?

Other question, I'm not sure is implied or not, I haven't seen anyone else asking.. what happens if SHE dies? How much is on her policy? Can YOU work and raise your kids on 110k? Would you have access to her pension or any life insurance through the teachers unions/associations? Would you have to c...
by rj342
Tue Feb 18, 2020 12:25 pm
Forum: Personal Consumer Issues
Topic: Bathroom remodel -10K- Is it expensive?
Replies: 44
Views: 5394

Re: Bathroom remodel -10K- Is it expensive?

Not sure if I am getting Rebath and Bath Fitter confused here, but I would not go for any of the jobs that simply cover your tub or shower with a liner. The risk of mold behind/underneath is too great.
by rj342
Tue Feb 18, 2020 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any ideas for a little extra money each year?
Replies: 34
Views: 3079

Re: Any ideas for a little extra money each year?

Frankly, I spend my free time making sure I am optimizing my tax strategy, now and in future years. And looking for ways to reduce expenses. For example, installing a terrestrial antenna in my attic and dropping paid TV service. I conservatively estimate I have save $150/mo*12mo/yr*12yrs = $21600. ...
by rj342
Mon Feb 17, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27834

Re: Protection Against Home Intruders

https://i.pinimg.com/originals/d5/5d/4f/d55d4fedf070393c9f6062d43f8afd03.jpg They are called Caucasian Sheppards. They are highly loyal and protective of only immediate household members. They show natural aggression at the age of 3 weeks to any non household member and have to be socialized from t...
by rj342
Fri Feb 14, 2020 3:46 pm
Forum: Personal Investments
Topic: Explain to me why dividends aren't real money
Replies: 81
Views: 8317

Re: Explain to me why dividends aren't real money

The problem I have w people who dismiss dividends is they are instead dismissing the ability of corporation to play accounting games to make the quarterly balance sheet look better and goose the stock price. Or just put out pure propaganda. It is a lot harder to fake paying out cash quarter after qu...
by rj342
Fri Feb 14, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: How To Calculate Returns On a Rental Property
Replies: 22
Views: 1221

Re: How To Calculate Returns On a Rental Property

From a pure business perspective, adequate net monthly cash flow is a must. Nothing else pays the bills and profits. In real business life, keep it simple is a good path. Lot's of ways of approaching these things. j :happy The more you put down the more likely you are to have a positive cash flow. ...
by rj342
Fri Feb 14, 2020 12:27 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27834

Re: Protection Against Home Intruders

Apart forma an alarm system and perhaps visible cameras to deter a break-in or alert you of entry, or various lethal or nonlethal weapons to protect yourself if you are home when they actually come in -- the in-between option is enhancing the physical security, actually make it more difficult to bre...
by rj342
Thu Feb 13, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Just accepted a new job, insurance gap?
Replies: 12
Views: 999

Re: Just accepted a new job, insurance gap?

The medical is supposed to be in effect from day one, but the fully company paid STD and LTD dont take effect for 6 months. Nor the company paid Life. I'm supposed to get full info packet Monday or Tuesday via FedEx. Will be giving my 2 week notice at current employer tomorrow or Monday. Planning on...
by rj342
Thu Feb 13, 2020 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Just accepted a new job, insurance gap?
Replies: 12
Views: 999

Re: Just accepted a new job, insurance gap?

runner3081 wrote:
Thu Feb 13, 2020 4:54 pm
I would explore owning a term-life policy outside of an employer plan (for now and the future).
I have one, but when I re-upped a few years ago the sleep apnea jacked up price so I do depend in part on thru the employer too.
by rj342
Thu Feb 13, 2020 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Just accepted a new job, insurance gap?
Replies: 12
Views: 999

Just accepted a new job, insurance gap?

At new job it is a few months before company life and disability coverage takes effect. Medical etc are day one of course. I do have my own term life policy, but have always supplemented w some extra employer insurance since no medical exam needed. It appears Life and disability are NOT part of COBR...
by rj342
Wed Feb 12, 2020 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Out of State Colleges - Good Computer Science Bargains?
Replies: 65
Views: 4583

Re: Out of State Colleges - Good Computer Science Bargains?

I taught as a fulltime CS instructor 6 years in the Oughts. A few things: Be very cautious about "first two years at a community college" for a STEM field - you want to carefully check the alignment with the curriculum at the 4 years program they intend to transfer into for as seamless a transition ...
by rj342
Tue Feb 11, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Tires for older, lower annual mileage cars?
Replies: 55
Views: 2943

Re: Tires for older, lower annual mileage cars?

I have wondered about this too, for my 21yo street-only 1999 F-150 with only 139k miles on it. Have always put Michelins on it, but I am looking at this latest set starting to dry rot while still having a lot of tread left. I have run into this in other areas, where it's the years sometimes and not ...
by rj342
Tue Feb 11, 2020 4:55 pm
Forum: Investing - Theory, News & General
Topic: Amazon is worth one third of the entire wealth of Russia
Replies: 23
Views: 2162

Re: Amazon is worth one third of the entire wealth of Russia

... Dieter Helm is very good on this ("Burn Out") - the fate of a place like Russia. It's not bullish, unless Russia can find a way to better tap its great resources of human ingenuity and expertise. There really is a sort of "economic law" that a place like South Korea (or Israel) with no natural ...
by rj342
Tue Feb 11, 2020 4:51 pm
Forum: Personal Consumer Issues
Topic: Recommended biology/life science related majors and careers?
Replies: 51
Views: 3451

Re: Recommended biology/life science related majors and careers?

You mention computers several times. One step further away beyond biochemistry is bioinformatics, which is more about the computer analysis of genome and protein data. That is not necessarily a specific BS degree at undergrad level, but informatics is popping up in the context of computer science / ...
by rj342
Mon Feb 10, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37612

Re: What video games are you currently playing?

I was hooked on Unreal Tournament about 15 years ago, playing sniper / camper maps. Strongly suggest you try the current UT, particularly the new team-based Blitz mode, where tactics and making smart use of the map matter so you can still contribute even if, like me, you're not very good at pure fa...
by rj342
Mon Feb 10, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37612

Re: What video games are you currently playing?

iamlucky13 wrote:
Tue Feb 04, 2020 6:32 pm
...
There also is a community mod called Black Mesa that re-created most of the original Half Life with the Source engine, bringing it up to par with Half Life 2.
I did see Black Mesa a couple months ago and pull it off Steam, will play some time this year.
by rj342
Mon Feb 10, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27569

Re: What is the best concert you ever witnessed?

I have not been to many big name concerts, and now the big acts tend to only play fewer dates in a few big cities not near me. A few standouts for outstanding live musicianship and singing, plus high energy: -- Billy Idol, Rebel Yell tour in the US in 1983 or 84 -- Tears for Fears, The Seeds of Love...
by rj342
Tue Feb 04, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37612

Re: What video games are you currently playing?

I really like first-person "exploration" games, which offer an immersive story experience and that feeling of discovery, but no combat. A few great ones that come to mind are Firewatch, Tacoma, and Gone Home. All are available for $20 or less on the Steam platform, and go on sale from time to time....
by rj342
Tue Feb 04, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 12060

Re: Couples w/ kids: What is/was the most expensive time period of your life?

CAUTION The basic child tax credit ends and then is followed by the college "Opportunity" tax credit. GOTCHA -- the first one ends the year they turn *17* and not 18!! So you may have a gap year where you have no approx $2k tax credit. That bit us. Of course that could change one way or another in t...
by rj342
Mon Feb 03, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37612

Re: What video games are you currently playing?

I really like first-person "exploration" games, which offer an immersive story experience and that feeling of discovery, but no combat. A few great ones that come to mind are Firewatch, Tacoma, and Gone Home. All are available for $20 or less on the Steam platform, and go on sale from time to time....
by rj342
Mon Feb 03, 2020 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change to Cyber Security
Replies: 16
Views: 1587

Re: Career Change to Cyber Security

re CyberSecurity... not sure what good a 2yr degree will do for you unless you also work on some certs. Probably the initial one to get in that field would be Security+. Strictly speaking you don't have to get the A+ or Network+ certs first, although some of that foundational material can be helpful...
by rj342
Mon Feb 03, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37612

Re: What video games are you currently playing?

My go to game for almost 2 years has been the free pre-release Unreal Tournament first person shooter reboot that ended up abandoned because Epic stumbled into the Fortnite printing press, when their throwaway free copycat King of the Hill mode unexpectedly eclipsed the original planned Fortnite Sav...
by rj342
Mon Feb 03, 2020 3:36 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17720

Re: Examples of Low Tech Improving Your Life

clown wrote:
Fri Jan 31, 2020 11:02 pm
Alternatively, the security system could be a rotweiler and a Glock.
Not a percussion cap revolver?
by rj342
Fri Jan 31, 2020 5:45 pm
Forum: Investing - Theory, News & General
Topic: Free access to several online subscriptions
Replies: 2
Views: 605

Re: Free access to several online subscriptions

I just saw an email from my county library that we as residents have free access to Consumer Reports, Chilton Library (car diagrams), Legal Forms (including will, name change, real estate etc.), and Morningstar. I used to pay for Consumer Reports (back in the day) and Morningstar until 2018. Mornin...
by rj342
Fri Jan 31, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: Examples of Low Tech Improving Your Life
Replies: 207
Views: 17720

Re: Examples of Low Tech Improving Your Life

Whatever you do, don't get a Reel Mower. I had one for a few years and it was the most God Awful experience ever. If you're ever training for an Ironman Triathlon, get a Reel Mower. Otherwise, use modern technology instead. I LOVE my Reel mower! My husband bet me a hundred bucks I would never use i...
by rj342
Fri Jan 31, 2020 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best path to get into MED School for a high school senior?
Replies: 72
Views: 6488

Re: What is the best path to get into MED School for a high school senior?

She's not going to set herself apart from the other applicants by being a biology major so she will have to expand her CV in other ways - research, work/clinical experience etc. If med school doesn't happen, a biology degree by itself won't get you much. I did my undergrad in chemical engineering. ...
by rj342
Fri Jan 31, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: How does someone know whether they would enjoy being a manager?
Replies: 59
Views: 4287

Re: How does someone know whether they would enjoy being a manager?

One aspect of the corporate world that sweeps people who may lack the inclination, talent, or desire to be a manager into management is that business has firmly linked together employees' pay scales with their org chart positions. Many people have no ambition to be a manager in and of itself and ar...
by rj342
Fri Jan 31, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Bench seats vs captains chairs in SUV second row?
Replies: 32
Views: 3675

Re: Bench seats vs captains chairs in SUV second row?

Had a Toyota Sienna minivan in the Oughts with the middle row captains chairs and the double sliding doors. Made that row much more comfortable if an adult had to ride there. A few times I ended up in the third row, and the captains chairs made it both easier to get to and also more pleasant to ride...
by rj342
Thu Jan 30, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Early retirement - Long term "successes"
Replies: 75
Views: 7300

Re: Early retirement - Long term "successes"

TBH that is a gray area. I don't know where you're coming from with your implication of 'the other welfare people', when I am specifically talking about FIRE peopel who by definition are ahead of the pack in some way. I suppose its arguably one thing if someone is cutting it close, trying to retire ...
by rj342
Thu Jan 30, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: LBYM vs Not Really Wanting More (NRWM(?))
Replies: 78
Views: 6559

Re: LBYM vs Not Really Wanting More (NRWM(?))

The alternative being worse for me makes these 'sub-optimal' conditions not feel like a sacrifice. Feeling restricted and actually being restricted are not the same. P.S. I am what you've been waiting for. Whoa. Things just got weird. replier is Godot, "Waiting for Godot" is a book title. It is a j...
by rj342
Thu Jan 30, 2020 3:08 pm
Forum: Personal Consumer Issues
Topic: Should we keep our new car extended warranty?
Replies: 40
Views: 1996

Re: Should we keep our new car extended warranty?

Honda Mfg Extended Warranty was worth it on my wife's 2009 Pilot which she still drives. It extended it out to 8 years or 100k miles. Since we knew we would keep it a long time and she drives relatively low miles we knew we would get that 8 years of coverage. The dealer even took care of a bigger ti...
by rj342
Thu Jan 30, 2020 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: How does someone know whether they would enjoy being a manager?
Replies: 59
Views: 4287

Re: How does someone know whether they would enjoy being a manager?

One issue is managers tend to think everyone wants to be a manager, or that everyone who is talented should be a manager. Or more stupidly, have an organization that only lets people reach higher compensation if they are a "manager" -- so may do poor fit promotions as a result. I have had the experi...
by rj342
Thu Jan 30, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Considering an iPad. Is it worth it?
Replies: 116
Views: 7077

Re: Considering an iPad. Is it worth it?

Zapping the memory may mean the OS hogging enough memory resources to be an issue. That would have to be an awfully minimal selection for memory for that to happen. It is not (or was not) at all uncommon for Apple to push out or make available a new iOS version that runs marginally on older hardwar...
by rj342
Thu Jan 30, 2020 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: How does someone know whether they would enjoy being a manager?
Replies: 59
Views: 4287

Re: How does someone know whether they would enjoy being a manager?

I think the service academies (Annapolis, West Point. etc. ) are good at identifying people leaders versus technical leaders. Those leaders end up at General Officers. Technical leaders do well also and some have enough people skills to go very high as well. I think some Mega Corps are good at pick...