Search found 131 matches

by abracadabra11
Tue Dec 10, 2019 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Military Spouses Residency Relief Act - CA Interpretation
Replies: 10
Views: 355

Re: Military Spouses Residency Relief Act - CA Interpretation

Your workplace is wrong. https://uscode.house.gov/view.xhtml?path=/prelim@title50/chapter50&edition=prelim From 50 USC Ch. 50: SERVICEMEMBERS CIVIL RELIEF: §4001. Residence for tax purposes (a) Residence or domicile (1) In general A servicemember shall neither lose nor acquire a residence or domicil...
by abracadabra11
Tue Dec 10, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Question re Ability of ISP to Track Website Visits
Replies: 15
Views: 1058

Re: Question re Ability of ISP to Track Website Visits

Why would this be of concern? If your ISP did this to every subscriber they would need thousands of analysts combing through everyone's data, and for what purpose? They collect, log, package and sell information they know about you. your interests & habits is their product, which they sell for prof...
by abracadabra11
Sun Oct 20, 2019 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny in Bay Area
Replies: 8
Views: 1500

Re: Nanny in Bay Area

I'll set the math aside, since that's been previously addressed.

I don't understand what would you do on paternity leave if you had a nanny during that time.
by abracadabra11
Wed Sep 04, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1024

Re: Backup Image Encryption and Cloud Storage

Nummerkins wrote:
Wed Sep 04, 2019 8:45 am
If I'm not mistaken, isn't AES encrpytion built in to Reflect as an option?
Only the paid version.
by abracadabra11
Wed Sep 04, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1024

Re: Backup Image Encryption and Cloud Storage

Doesn't seem like Duplicati would meet your requirement: "Failure that results in OS no-boot precipitating the need for cloud storage restore." From the Duplicati manual: "If you want to be able to restore a complete volume or hard disk, including the boot sector and operating system, you need a ha...
by abracadabra11
Tue Sep 03, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1024

Re: Backup Image Encryption and Cloud Storage

Reporting back for anyone that has interest.

Currently doing a trial with Duplicati and it appears to work well for my purposes.
by abracadabra11
Tue Sep 03, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 3067

Re: Internet security and vpn

I don't think you need it, but have heard Leo Laporte recommend Nord. It happens to be on sale for 9 hours from this post. Nordvpn.com Quick note on Nord 'sale'. They've been doing their best to harness the power of scarcity with these supposed limited sales, when it fact it appears to be a perpetu...
by abracadabra11
Mon Sep 02, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1024

Re: Backup Image Encryption and Cloud Storage

How do you plan to back up the key(s) used to encrypt the data? Likely Boxcryptor. How secure is secure enough? What is the threat you're worried about? AES encryption is secure enough for my purposes. No specific threat - just unauthorized access. Why do you want to use the cloud at all? Best prac...
by abracadabra11
Mon Sep 02, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Backup Image Encryption and Cloud Storage
Replies: 12
Views: 1024

Backup Image Encryption and Cloud Storage

I'm using Macrium Reflect on Windows 10 Professional to backup my computer and am trying to find a good encryption option that makes for easy recovery both locally and on cloud storage. The scenarios I'm trying to plan for are as follows: 1. Failure that results in OS no-boot precipitating the need ...
by abracadabra11
Sun Aug 25, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3825

Re: Another car affordability question, YOLO vs. extreme FI

First of all - I love livesoft response. Such a parental view...do the wrong thing and learn accordingly. I’m going to join in the “get a GTI” camp. You can probably get a new GTI S manual for low 20s new with 6 year warranty. Is it the R? No, but it’s an awesome hot hatch that still delivers an ne...
by abracadabra11
Mon Jul 08, 2019 8:16 am
Forum: Personal Investments
Topic: Anyone itching to dabble in crypto?
Replies: 46
Views: 3417

Re: Anyone itching to dabble in crypto?

My boss is heavily vested in crypto and he has shared his views and supporting views of other sources with me. I must say, I am half tempted to dabble in crypto, specifically XRP-Ripple. Anyone else doing it? Have you had the "What ifs" like I am? Absolutely not. Don't assume that the expertise you...
by abracadabra11
Mon Jun 17, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: Hiking in Vancouver July 2019
Replies: 5
Views: 592

Re: Hiking in Vancouver July 2019

Black Tusk

Think it's near the upper end of your requirements, but well worth it.
by abracadabra11
Sat Jun 15, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Best SIM card for travel in Europe?
Replies: 38
Views: 3032

Re: Best SIM card for travel in Europe?

Thanks to Chip, I went this route and bought the Three UK SIM for my recent trip to Europe. Worked out great and the fact that I could activate and verify in the US was a big plus. I might have saved a few bucks if I bought in my destination city, but having it activated and available on arrival wi...
by abracadabra11
Tue May 28, 2019 11:15 am
Forum: Investing - Theory, News & General
Topic: Beat the market with lower risk than the market itself (using leveraged ETFs)
Replies: 32
Views: 3110

Re: Beat the market with lower risk than the market itself (using leveraged ETFs)

For as good a job that this forum tends to do on many issues, I think that we seldom talk about risk appropriately and with sufficient detail, especially when presented with non-standard (i.e. non-Boglehead) portfolios. Some BHs are so unwilling to engage in discussions about non-standard portfolios...
by abracadabra11
Sun May 26, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW
Replies: 23
Views: 3227

Re: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW

Are you taking requests for the spreadsheet? If so, can you expand the available retirement age selections to include 40? Abra Cadabra, Can you explain the magic that allowed you to become so highly efficient at what you do to generate so much wealth that you're able to contemplate retirement at ag...
by abracadabra11
Sat May 25, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW
Replies: 23
Views: 3227

Re: The Variable Savings Rate (VSR) -- an accumulation-time prelude to VPW

Are you taking requests for the spreadsheet?

If so, can you expand the available retirement age selections to include 40?
by abracadabra11
Sun Feb 10, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: Is Index Investing Just Betting on The U.S Economy?
Replies: 46
Views: 5628

Re: Is Index Investing Just Betting on The U.S Economy?

Since most past results seem to focus mostly on the U.S market/ index, which has been the best performing market over the long term , and most strategies seem to advocate continuing to hold majority U.S indexes, is this just betting on the U.S economy on continuing to be the best performing? As we ...
by abracadabra11
Sat Feb 09, 2019 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Taxes - Better Off Not Counting Expenses for Rental Property because of QBI?
Replies: 11
Views: 1275

2018 Taxes - Better Off Not Counting Expenses for Rental Property because of QBI?

I've entered the majority of the information needed for my taxes for 2018 and it seems that there's something strange happening this year because of the QBI deduction. When I enter only the income from the property (i.e. not including any expenses such as Advertising, Travel, Cleaning and Maintenanc...
by abracadabra11
Sat Jan 19, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3675

Re: Son moving to Denver from California

Get snow tires. Rubber is more important than anything else.

Can you manage with AWD? Sure. But snow tires are the better option.

https://www.youtube.com/watch?v=mfuE00qdhLA
by abracadabra11
Sat Jan 12, 2019 2:10 pm
Forum: Personal Investments
Topic: Requesting Guidance - 29 y/o military investor
Replies: 20
Views: 1863

Re: Requesting Guidance - 29 y/o military investor

I'll admit ignorance since I'm on the old system and not BRS. But are you sure that you can't max TSP and then get matching contribution above that? My wife's 401k works this way, so we're able to put ~25k/year with the company match. It's a nice expansion of tax deferred space.
by abracadabra11
Mon Sep 24, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 8272

Re: Best way to get $100k cash

Hello, is there any way to get - $100k from like credit card cash advance or some other way - with 0 (or low) fees - with a year of 0% APR. I can pay it off before the 1 year deadline when the 0% APR ends. Basically, I am looking to pay off my 3.625% mortgage balance. Most of my current credit card...
by abracadabra11
Fri Sep 07, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 4758

Re: Encryption Solution: Local + Cloud

Cryptomator user here. I also have Veracrypt but use it primarily for whole disk encryption. The cryptomator desktop application for windows and linux is a bit basic and not particularly well integrated IMO, but its mobile app is great. Very easy to link fingerprint to password/database to get quick...
by abracadabra11
Tue Sep 04, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: First Time Poster: Are Rental Properties Worthwhile?
Replies: 17
Views: 2462

Re: First Time Poster: Are Rental Properties Worthwhile?

jjface wrote:
Tue Sep 04, 2018 9:09 am
gmaynardkrebs wrote:
Tue Sep 04, 2018 7:49 am
I'd keep the one that's paid off, and sell the second, which has a mortgage.
My thoughts exactly. Sounds like you are already set up with the first and it is working out. The second seems like the headache.
+2
by abracadabra11
Thu Aug 23, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 6049

Re: Test your cognitive biases

I got 25-50%. I am not only risk adverse by nature, but I also have no real need to take risk. I have had bad dealings with debt from individuals so that sways me far away from waiting to collect. All of which I believe skewed my answers different than the desired results ("desired" for whatever re...
by abracadabra11
Wed Jul 18, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Acceptable uses...New Financial Chromebook
Replies: 35
Views: 5662

Re: Acceptable uses...New Financial Chromebook

Install Linux and then use it as financial only.
by abracadabra11
Sun Jul 15, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1870

Re: Am I dreaming or is there a possibility: Retire at 45?

...I will lean on my financial advisor for solid data & feedback
Recommend you use this board to post additional details about your financial situation and the work performed by your adviser. You may be able to retire more comfortably after reconsidering the nature of this relationship.
by abracadabra11
Sat Jul 07, 2018 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 16317

Re: How to "retire" in your 30's article

Mods should just lock this thread.

Nothing actionable at this point and turning into every other forum on the internet with quipping/whining/complaining.
by abracadabra11
Sat Jul 07, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 6388

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

These are likely the only services you should have had performed:
tires rotation: $27.95
$49.95 oil change
--> Total $77.90
by abracadabra11
Thu Jul 05, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 16317

Re: How to "retire" in your 30's article

Really surprised by the negativity in this thread.

If there's one bogleism that rises above all - it's LBYMs and save. This guy and his wife did that.
by abracadabra11
Thu Jul 05, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: A week in Montreal in August, advice/suggestions?
Replies: 14
Views: 927

Re: A week in Montreal in August, advice/suggestions?

Recommend a trip to Quebec City. Only ~ 2 hours if I recall correctly and a really terrific place to visit. Went during the winter, so unsure if it becomes overcrowded in the summer.
by abracadabra11
Mon May 07, 2018 8:09 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 8089

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Surprised by the high bias here.
I would aim for $15-20k.
by abracadabra11
Mon Apr 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 13017

Re: Salary Negotiation gone sour

Typical caveats about hindsight and internet advice apply, but it seems that the company may well have been signaling that their salary ceiling was 85k though flexibility existed on the bonus. Unfortunately, your recruiter appears to have made an error by establishing an artificial anchor that ultim...
by abracadabra11
Tue Feb 27, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 5818

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

If a bogleheads stamp of approval existed, the Moto G5 Plus would be on the list.
by abracadabra11
Sat Feb 03, 2018 7:58 pm
Forum: Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 3623

Re: What Would You Do With $100,000 Right Now

2 nights here: https://www.fourseasons.com/newyork/accommodations/specialty_suites/ty_warner_penthouse/ Money well spent. "Located between Madison Avenue and Park Avenue on Billioinaire's Row" They could at least have spelled Billionaire correctly. 8-) I didn't bother to read anything on the websit...
by abracadabra11
Sat Jan 13, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 3711

Re: Will never not upgrade Business travel again

International airlines/flights, totally different though. Would I pay the extra $5K between economy and business class? I'd probably have to travel economy first on a international flight, but most likely I would probably shell out the extra money. 15-18 hours on a plane not comfortable can drive a...
by abracadabra11
Sun Dec 03, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 7022

Re: Moto G5 Plus: Software updates?

For those that are more technologically-inclined, you can also install a custom ROM. You'll need to unlock the bootloader and root the phone, but the process isn't particularly difficult. The benefit is that the developer community is active and quick to incorporate changes (i.e. security patches li...
by abracadabra11
Tue Nov 14, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: Selling my house in Miami, is it smart decision?
Replies: 16
Views: 2473

Re: Selling my house in Miami, is it smart decision?

Rodrigo, Unfortunately, you've come to the wrong place for the advice your seeking. No one on this board (or collectively) can accurately assess whether it's sensible to sell your house now or wait 6 months or wait 10 years. If you care to post additional details about your financials, then you'll r...
by abracadabra11
Sat Nov 04, 2017 8:46 pm
Forum: Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 2307

Re: 36k Career Starter Loan

A "career starter loan" should be renamed "career extender loan." Because all it will do is guarantee that you have to work at least that much longer! DO NOT TAKE OUT A LOAN JUST BECAUSE IT HAS A LOW INTEREST RATE! This is the dumbest financial move anyone could possibly make early in your career. ...
by abracadabra11
Fri Nov 03, 2017 8:45 pm
Forum: Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 2307

Re: 36k Career Starter Loan

What's the repayment term of the loan? When does repayment start? What are the other fees associated with it? If those other questions check out, it sounds like a great deal. You would be taking risk, of course, but likely worth it. If you are working some just to make ends meet or for a little ext...
by abracadabra11
Fri Nov 03, 2017 8:42 pm
Forum: Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 2307

Re: 36k Career Starter Loan

Pretty certain this is a career starter loan that is offered by NFCU and/or USAA for those enrolled at service academies. I'll tell you what I did with mine more than 10 years ago - Roth and Mutual Funds as recommended by my then-financial adviser. I built an early habit of saving aggressively and i...
by abracadabra11
Mon Oct 23, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 7830

Re: When one reaches the 1 million mark what to do with all the money?

Say an investor reaches the 1 million mark and keeps saving until he hits 2 million etc. What to do with all that money to protect ones self from a significant economic decline or other adverse situation A few I can think of include: 1. market crash with deep recession lasting at least 5 years 2. i...
by abracadabra11
Tue Oct 17, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 3234

Re: Joining Federal Service - A No-Brainer?

sorry, why are you here? to seek confirmation of decision you already made? you seem hell bent on looking for someone to confirm fairly "safe" bet forgetting that risks and rewards come together and are not separated.. if you believe she is nothing more than mediocre at what she does, yes, the supp...
by abracadabra11
Mon Oct 16, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 3234

Re: Joining Federal Service - A No-Brainer?

Agreed that there will likely be pay differences, so an analysis of the overall benefit package would be important. That's why having a good understanding of the worst case Government scenario is instructive. And leveraging an additional income stream in retirement is a particularly relevant factor,...
by abracadabra11
Mon Oct 16, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 3234

Re: Joining Federal Service - A No-Brainer?

I realize the initial post was rather short, but she enjoys her current job, but there's little room for vertical movement into a PM role so she would like to work elsewhere. The job she wants is as a PM and there are opportunities within Government and outside of Government, so why not focus on PM ...
by abracadabra11
Mon Oct 16, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 3234

Joining Federal Service - A No-Brainer?

Quick background - My wife has ~6 years of military service and has worked in the private sector for 5 years for the same company. She has reached an inflection point where she'd like to move on from our current position and pursue a PM role that's better aligned with her skillset. Although she wasn...
by abracadabra11
Thu Sep 21, 2017 5:28 pm
Forum: Personal Investments
Topic: Investing Advice - Military
Replies: 13
Views: 1314

Re: Investing Advice - Military

What's your career plan in the military? Opting for BRS may not be a great decision if you plan to stay another 14 years (I'm guessing you enlisted at 18, but may be wrong).
by abracadabra11
Fri Aug 25, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Help! Google Pixel erased itself -- what happened?
Replies: 15
Views: 2504

Re: Help! Google Pixel erased itself -- what happened?

Are you sure that this is a Pixel problem? Or is this an Oreo problem?

The two are obviously related since the device is the first to receive the update, but I don't see anything on xdadevelopers about Pixel's factory resetting by accident.
by abracadabra11
Sun Jul 23, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: MVNO's versus the Big 4
Replies: 52
Views: 7422

Re: MVNO's versus the Big 4

I expected someone would post this earlier, but since it hasn't happened:
https://www.whistleout.com/CellPhones

Useful tool for comparing plans among the various carriers (to include MVNOs) based on your anticipated usage. You can filter by network so that you're only looking at ATT MVNOs.