Search found 320 matches

by sksbog
Tue May 26, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 10
Views: 651

Re: Software advice needed: remote tech assistance

I work for a rural library and the Director has asked me to look into software we could use to remotely assist patrons in learning to navigate our web site, social media pages, online resources, etc. I don't think I necessarily need to be able to directly access / control their computer... More lik...
by sksbog
Sun May 10, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: New Laptop Recommendations
Replies: 49
Views: 3025

Re: New Laptop Recommendations

I purchased a Lenovo Yoga 2 Pro when they were first released (2013) and I think it is time to upgrade. Specs are an i7-4500 1.8Ghz dual core processor (4 logical), and 8GB RAM. I don't game with it or do anything other than excel, web browsing and media streaming so I don't need anything crazy. I ...
by sksbog
Sat May 09, 2020 9:52 am
Forum: Personal Consumer Issues
Topic: SIM Card Hack
Replies: 21
Views: 2647

Re: SIM Card Hack

iPhone face recognition is okay, IMO. As it is second form of authentication. You would want to turn on multi factor authentication for your accounts, with an authentication App, like google Authenticator. The idea is , if you login on any “new” device, to your account, you would need to provide a c...
by sksbog
Sat May 09, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2016

Re: Rocks or Mulch?

Yes, it’s downhill slope. No neighbors behind it. A creek down there , far after the property line.
by sksbog
Sat May 09, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2016

Rocks or Mulch?

Hello Bogleheads, Need advice of your collective wisdom. I have a terrible problem with my backyard. I have a downhill which fills up with weeds every year. I managed to get some weed fabric there this year. Walking there is extremely difficult. I am putting some chicken wire on top. Plan to plant s...
by sksbog
Tue Apr 28, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: chase sapphire rewards strategy
Replies: 18
Views: 1523

chase sapphire rewards strategy

Hello Everyone,

Now that the travel is down, how is everyone planning to redeem/strategize for the premium chase sapphire rewards program?
by sksbog
Tue Mar 31, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: How to find landscaping architect?
Replies: 6
Views: 443

Re: How to find landscaping architect?

Don
[/quote]
Have you considered terracing the area using "Keystone Block", etc.?

j :happy
[/quote]

I am sorry, i didn't understand this comment. Can you please elaborate?
by sksbog
Mon Mar 30, 2020 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How to find landscaping architect?
Replies: 6
Views: 443

How to find landscaping architect?

Hello Bogleheads, I have a steep downhill in backyard and every year, it gets full with weeds. I get it cleaned, but it's very hard to grow grass there and impossible to mow. When i contacted local nurseries and landscaping companies, i am shown very expensive proposals. I just want to work with an ...
by sksbog
Mon Mar 16, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55551

Re: How to get Toilet Paper ? seriously.

Order bidet from amazon, next day delivery:)
by sksbog
Sat Jan 11, 2020 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need get done when I pay off my mortgage?
Replies: 13
Views: 891

Re: What do I need get done when I pay off my mortgage?

Thanks, Do I need to notify the county?
by sksbog
Sat Jan 11, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: What do I need get done when I pay off my mortgage?
Replies: 13
Views: 891

What do I need get done when I pay off my mortgage?

Hello Bogleheads, My CD at 2.50 is maturing and I have similar amount remaining balance on my mortgage at 2.75%. I probably cannot get more than 2% in today's rate. So, will use the money to pay off remaining balance on my mortgage. What precautions, documentations and notifications i need to do, wh...
by sksbog
Fri Jan 10, 2020 9:40 pm
Forum: Investing - Theory, News & General
Topic: Article - The Hidden Dangers of the Great Index Takeover
Replies: 45
Views: 4594

Bloomberg: indexing promotes anti-competition

[Thread merged into here, see below. --admin LadyGeek]

Here is the article from Bloomberg

The Hidden Dangers of the Great Index Fund Takeover

https://apple.news/AuX-qX7D4Q3On_q_xNutCuQ


please post ur thoughts.
by sksbog
Sat Jan 04, 2020 7:13 am
Forum: Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 25
Views: 3408

Re: Why does Vanguard not give percentage for YTD returns?

For periods more than a year, say last 3 years, is the performance percentage annualized or just calculated as for all 3 years?
by sksbog
Wed Nov 27, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: International pre-paid card
Replies: 11
Views: 748

Re: International pre-paid card

can't believe, there is no solution to my issue?
by sksbog
Wed Nov 27, 2019 10:38 am
Forum: Personal Finance (Not Investing)
Topic: International pre-paid card
Replies: 11
Views: 748

International pre-paid card

Hi ,

I would like to give my father a prepaid card for his monthly expenses. But keep the limit to maybe 300-500 dollars.
Is there a low-fee debit/prepaid card there, that i can monitor and re-charge when the balance is low?
He lives in India, so the card has to be international low fee.

thanks
by sksbog
Wed Nov 27, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Soft Skills/Leadership Development Training
Replies: 6
Views: 385

Re: Soft Skills/Leadership Development Training

My experience has been, over time the perception changes. Of course you have a mixed bag of people and all don’t learn the same way.
by sksbog
Sun Nov 17, 2019 11:59 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 4459

Re: Charles Schwab or Fidelity?

I am with Schwab and very happy with their customer service. With this said, interview both companies and make a decision which one best fits your investment goals. +1 I have been happy with Schwab for years. On another note, I didn’t had good customer experience with fidelity, through work. And I ...
by sksbog
Sat Nov 09, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2960
Views: 526838

Re: What are you up YTD? [Year To Date]

75/25 3 Fund portfolio.

12.9% up ytd
by sksbog
Sun Oct 27, 2019 6:53 pm
Forum: Personal Investments
Topic: Ways to avoid account transfer fees between brokerages?
Replies: 15
Views: 1068

Re: Ways to avoid account transfer fees between brokerages?

Instead of pushing money out of your brokerage institution, try pulling from your destination institution. I have seen most institutions bear the cost of pulling inbound money and is free to us.

Good luck!
by sksbog
Mon Sep 16, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance
Replies: 3
Views: 595

Travel Insurance

Hello BHs, I just booked an expensive travel (tickets ~4k) using my Chase Sapphire Reserve card. The coverage documentation says, they would cover trip cancellation upto 10K and upto $500 per ticket in case of delay more than 6 hours. Do I need to buy a separate trip insurance or this is enough? Dis...
by sksbog
Mon Sep 16, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 7177

Re: Do you trust Microsoft updating your Windows 7 machine?

Now that Microsoft has announced that they will no longer support Windows 7 in 2020, I noticed that the volume of their updates have increased a bit. Frankly, I do not trust them. I am thinking they are trying hard to make a perfectly good system obsolete, hoping that consumers will go out and purc...
by sksbog
Sun Sep 08, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3948

Re: Going desktop-less?

Best practice is to have 3 copies of your data - the original, an onsite backup, and an offsite backup. Data is too precious to take a risk of only having 1 backup. That seems pretty excessive to me unless you have data that you absolutely cannot do without. Photos might fit this category, and this...
by sksbog
Fri Aug 23, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169659

Re: What frugal thing did you do today?

Switched to AT&T prepaid , $25 a month 8 GB plan :D
by sksbog
Fri Aug 16, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 70
Views: 11764

Re: Best secure email to use instead of gmail?

I'm considering moving my email to a secure email system instead of using gmail. Dirk Cotton mentions Proton Mail, but there are others others out there. http://www.theretirementcafe.com I've been a gmail user for a long time, but thinking it might be a good idea to do more to secure my online expo...
by sksbog
Wed Aug 14, 2019 9:41 pm
Forum: Personal Investments
Topic: Three fund portfolio
Replies: 13
Views: 1705

Re: Three fund portfolio

Why not just divide your money by 12 (or pick a number) and do a monthly automatic contribution.? :D
I have done this in past and never regretted it.
by sksbog
Sun Aug 11, 2019 10:16 am
Forum: Investing - Theory, News & General
Topic: The Real Risk In Bond Funds
Replies: 18
Views: 3067

Re: The Real Risk In Bond Funds

I don’t look at these “ratings agencies “. Who they get paid by, any guesses? A week before Lehman brothers collapsed, these agencies had a stellar ratings on it :D . This is what happens when they don’t have consequences of bad behavior. It’s like in American idol, I will give you 9 today as everyo...
by sksbog
Fri Jul 26, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 156
Views: 15497

Equifax settlement - best option for claim

[Thread merged into here, see below. --admin LadyGeek] Hello Bogleheads, As many of you may have affected by Equifax data breach, i am wondering which is the most value to obtain, when filing a claim with them. Here are the options: 1. Choose free credit monitoring, a cash payment (if you already h...
by sksbog
Sun Jul 21, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Encrypted To-Do app suggestion?
Replies: 9
Views: 1123

Re: Encrypted To-Do app suggestion?

jebmke wrote:
Sun Jul 21, 2019 7:53 am
I use Evernote
+1
by sksbog
Mon Jul 01, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle
Replies: 21
Views: 2484

Re: Traveling Overnight / Wife Near-Term / No Family In Town - how to handle

Dopey wrote:
Mon Jul 01, 2019 7:25 pm
When I’ve been in this scenario, firstly my wife forbid me from traveling.

Secondly, do a few dry runs with the kid by visiting some friends you trust. They can stay there till family gets in town.
+1 , no job is more important to make me travel this time.
by sksbog
Sun Jun 09, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1989

Re: How to donate to a non profit organization anonymously?

fortfun wrote:
Sun Jun 09, 2019 9:24 pm
sksbog wrote:
Sun Jun 09, 2019 9:18 pm
hello,

Any thoughts on How to donate to a non profit organization anonymously?

Thanks
Send them a prepaid credit card.
That would not guarantee payment towards organization. What if an employee keeps it for himself/herself?

Would a cashiers check be better?
by sksbog
Sun Jun 09, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to donate to a non profit organization anonymously?
Replies: 22
Views: 1989

How to donate to a non profit organization anonymously?

hello,

Any thoughts on How to donate to a non profit organization anonymously?

Thanks
by sksbog
Sat Jun 01, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 2117

What to do with old unused laptops?

Hello,

I have few 10-15 year old laptops that I don’t use anymore. Didn’t do anything with those due to privacy concerns. Now at a point where I would like to get rid of these.

Thanks
by sksbog
Thu May 30, 2019 6:22 am
Forum: Personal Consumer Issues
Topic: Resume / CV writing services?
Replies: 10
Views: 1141

Re: Resume / CV writing services?

did you find more services?
by sksbog
Tue May 28, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 31
Views: 4108

Re: How a SIM swap attack works

mhalley wrote:
Sun May 26, 2019 1:19 pm
Just finishing moving all my 2fa numbers to a google phone #.
google is reseller of your dossier :). i would switch to a GDPR compliant service.
by sksbog
Mon May 27, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2529

Re: Extended auto warranty - who to buy from, if you want to

Hi. We recently bought a 2018 Lincoln Navigator with 6000 miles on it. The dealer included a life-time powertrain warranty. Although I never before bought extended warranties for anything I went ahead and bought the lifetime mechanical/electrical warranty. Yes a lot of things are excluded. My plan ...
by sksbog
Wed May 22, 2019 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4531

Re: Senior management/executives

I had a boss like this.
I found new job with better perks.
Used my exit interview to document the incident. Turned out others did so as well, and the manager got “disciplined “
by sksbog
Wed May 15, 2019 6:06 pm
Forum: Investing - Theory, News & General
Topic: Did you buy the 600+ dip last week ?
Replies: 129
Views: 9342

Re: Did you buy the 600+ dip last week ?

Jimsad wrote:
Wed May 15, 2019 5:02 pm
I am curious how many of you put in extra money last week when market fell 600+ points .
I did but am not sure if it makes a difference .
Not even 2%,

Not worth my time and attention
by sksbog
Tue May 07, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2886

Re: Indian cookbooks

Hello all, I am looking for recommendations on good authentic Indian food cookbooks. It’s a cuisine that I am very familiar with (eating, not cooking) but the couple cookbooks I have tried have produced dishes that, while decent, have not had the strong flavors I love (even after following precise ...
by sksbog
Thu May 02, 2019 9:15 pm
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3683

Re: Birthday party- No gifts

I usually take a gift and keep in car.
Have been to those parties where no gift has no meaning. Seen people still giving gifts and host accepting gifts without hesitation. I usually at that point bring my gift from car.
by sksbog
Thu May 02, 2019 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for an open position (with a twist)
Replies: 12
Views: 1612

Re: Applying for an open position (with a twist)

I’d discuss with your current manger before doing 1 or 2. It’s going to get back to them anyways and will not reflect well which may be a concern if you don’t end up getting the new position. If you do get it this is your first chance to make a good impression with your potential new boss....make s...
by sksbog
Sun Apr 28, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to send USD to Australia
Replies: 13
Views: 870

Re: Best way to send USD to Australia

Zoom.com from PayPal

Transferwise.com
by sksbog
Fri Apr 26, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3762

Re: Why would Ortho push for Invisalign? (non-medical question)

I am 38 years old and finally got around to fixing my teeth about 1.5 years ago. After a lot of research, I decided to go w Invisalign. I’m actually still wearing them and will be done in a few months. FWIW, I can not recommend the treatment enough. It is not cheap and costs might vary a bit if you...
by sksbog
Fri Apr 26, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 44
Views: 3780

Re: Infertility treatments/insurance/job situation

Hello all, This is hard for me to talk about but since we have been unable to conceive for over a year we have started to explore infertility treatments. I’ll apologize upfront if I’m a little scatterbrained in this post, but I have lots of thoughts/emotions I am hoping to talk through. Couple of t...
by sksbog
Thu Apr 25, 2019 8:07 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3762

Re: Why would Ortho push for Invisalign? (non-medical question)

WestUniversity wrote:
Thu Apr 25, 2019 5:24 pm
I had Invisalign and the difference for me wasn’t the cost, it was the time. IIRC traditional braces for me were going to take something like 20 months. With Invisalign I was complete in 9 months...
Wow, that quite a good difference!
by sksbog
Thu Apr 25, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3762

Re: Why would Ortho push for Invisalign? (non-medical question)

I've had both braces and Invisalign. I don't think it matters to the ortho. They still have to make sure your teeth are progressing like they expect. With Invisalign, I had to have several adjustments to keep my teeth on track. That couldn't be done by mail. People like it, but I'll say if I had to...
by sksbog
Thu Apr 25, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3762

Re: Why would Ortho push for Invisalign? (non-medical question)

I am 38 years old and finally got around to fixing my teeth about 1.5 years ago. After a lot of research, I decided to go w Invisalign. I’m actually still wearing them and will be done in a few months. FWIW, I can not recommend the treatment enough. It is not cheap and costs might vary a bit if you...
by sksbog
Thu Apr 25, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3762

Re: Why would Ortho push for Invisalign? (non-medical question)

Hello, First of all, this is a non-medical question, so please don't block the post without reading. My ortho, presented me two options for a 2 year course. Both options cost the same and according to him, same efficiency and just a personal preference for the consumer. These options are either bra...
by sksbog
Thu Apr 25, 2019 12:09 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 18444

Re: Dump international?

UpsetRaptor wrote:
Wed Apr 24, 2019 10:16 am
Agree! International has been a drag on returns for a good century or two now.
so you are saying, its been cheap and you want to sell.
And buy back when it will become expensive?
by sksbog
Thu Apr 25, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: Why would Ortho push for Invisalign? (non-medical question)
Replies: 41
Views: 3762

Why would Ortho push for Invisalign? (non-medical question)

Hello, First of all, this is a non-medical question, so please don't block the post without reading. My ortho, presented me two options for a 2 year course. Both options cost the same and according to him, same efficiency and just a personal preference for the consumer. These options are either brac...