Search found 206 matches

by sksbog
Sun Oct 14, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Did anyone change Experian Credit Freeze Pin?
Replies: 5
Views: 753

Did anyone change Experian Credit Freeze Pin?

Due to the breach and potential compromise of experian Pin, did anyone change yours at experian.com ?

If yes, can you please let me know how to do this?

Thanks
by sksbog
Sun Oct 14, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5547

Re: Proton Mail

Update: I have been using protonmail and it is great. There is a mobile app as well. No issues so far. I am considering jumping for the paid version. It is very easy to send secure messages. The interface is very simple so even non-tech folk can use it very easily. All in all, I am happy with proto...
by sksbog
Sun Oct 14, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5547

Re: Proton Mail

It doesn't appear that you can add ProtonMail as an email account in IOS yet, it uses its own dedicated app. The app seems to work well and it's free, but I would like to be able to read and send from ProtonMail using "All Inboxes" on my iPhone. Right now I can't do that unless I'm misinformed. Thi...
by sksbog
Sun Oct 14, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5547

Re: Proton Mail

That really is the con. Trying to use the service with people that don't use it is completely impractical. I signed up thinking I could use it every now and then when I need to send secure documents as attachments, however last I checked their service doesn't encrypt attachments sent to non proton ...
by sksbog
Sat Oct 13, 2018 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 6873

Re: $50,000: Should I buy now or wait for the market to drop further?

Why not divide $50,000 into 12 months and buy each month according to your AA? That way you are not market timing.
by sksbog
Sat Oct 13, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5104

Re: Need new email address. Gmail or ???

Planning to move to a location where my current ISP (Charter) is not available. Thinking of getting a gmail account. But just saw a post by linenfort on another thread about their gmail not always getting received. Do others have that experience? So, is gmail good to use? Many of my friends have it...
by sksbog
Sat Oct 13, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 56
Views: 10590

Re: Don't pay full price for SiriusXM radio

Hi Bogleheads - Just a quick tip FWIW. My subscription for SiriusXM radio was scheduled to automatically renew in early September. The new rate was $218/year. I called them this afternoon and said I wanted to cancel my subscription. They wanted to keep me as a subscriber and offered to extend my pr...
by sksbog
Fri Oct 12, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 72
Views: 6616

Re: Just Divorced -- Need Help

My credit went from near perfect to mid 600s due to my divorce. I was awarded all of my ex-wife's credit card debt she racked up while we were separated. What is the best all around credit card I can transfer the balances to as I work to repair my credit? In a perfect world, I'd prefer the card hav...
by sksbog
Fri Oct 12, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 72
Views: 6616

Re: Just Divorced -- Need Help

My credit went from near perfect to mid 600s due to my divorce. I was awarded all of my ex-wife's credit card debt she racked up while we were separated. What is the best all around credit card I can transfer the balances to as I work to repair my credit? In a perfect world, I'd prefer the card hav...
by sksbog
Wed Oct 10, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 805

Re: Project FI promotion

Service is great. $20 for talk and text and you pay $10 per one GB data. Note that the data portion is pro-rated. You pay for what you use.

I use very less data. This works for me well.
by sksbog
Wed Oct 10, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: What GDPR compliant email do you use?
Replies: 11
Views: 888

Re: What GDPR compliant email do you use?

Thanks. Is paid protonmail any better than free one?
by sksbog
Wed Oct 10, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: What GDPR compliant email do you use?
Replies: 11
Views: 888

What GDPR compliant email do you use?

With recent news events over private data hacking and news articles about Gmail and Yahoo, which said sometimes their employees see our emails to make sure the machine learning algorithms are working as expected. I have decided to switch to a European based GDPR, privacy rules compliant email. Have ...
by sksbog
Sun Sep 23, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for upcoming medical / IVF expenses
Replies: 73
Views: 4710

Re: How to pay for upcoming medical / IVF expenses

It took us 3 attempts. We have now a wonderful 6 year old. For IVF you have to understand that there may be multiple attempts before you will have your child(ren) . Take a look at attain, integra-med. It's a pre paid policy where for a set amount of price they will cover 6 ,procedures and 80% money ...
by sksbog
Wed Sep 19, 2018 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 139
Views: 8756

Re: Physical Banking - Any benefits anymore?

Just realized with hurricane Florence. A small amount of money should be there in a local nearby bank, earning zero.nothing, do that when a natural disasters strikes , you could draw out some cash. Some would argue to use debit card for this, but would have to use a for a lot of time to draw the amo...
by sksbog
Sun Sep 16, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1784

Re: Developer Laptop

As a developer/ architect have have done this twice. Based on what I have experienced is that there comes phases when I need to learn or poc out few things. But never needed a top of the line high ram multi core machines. I have found it easier and better for me to use 1 year of see in cloud. Follow...
by sksbog
Sun Sep 16, 2018 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12154

Re: Considering Quitting Job - Seeking Advice. Would you do it?

You mentioned going for a small company. Do you have another employer in mind? Have you given few interviews to get get insight into market as to how much in demand your skill level is? Have you compared prospective employers to make sure, they will give you work life balance? I was in a similar sit...
by sksbog
Sat Sep 15, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: How to start a website?
Replies: 12
Views: 1312

Re: How to start a website?

Whoever you consider for domain, do pay attention to privacy features. I know google offers those without any extra cost.
These are not selling ur info or show the registration contact details on indfo sites like whois
by sksbog
Fri Sep 07, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 292
Views: 56496

Re: I'm Calling an Emerging Markets Bottom

My regular contribution to 3 funds portfolio takes care of think kind of "market timing" :D
by sksbog
Tue Sep 04, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: US Visitor Health Insurance
Replies: 18
Views: 985

Re: US Visitor Health Insurance

Check out https://www.visitorscoverage.com

Here you can find comprehensive coverage covering some level of preexisting conditions until certain amount.

Good luck!
by sksbog
Mon Sep 03, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1127

How do I get rid of big project t.v.?

I have an old 56 inch DLP television.
Called Goodwill and they don't want any television that doesn't go on a wall :annoyed

How do I get rid of this thing cheap?

Thanks
by sksbog
Tue Aug 07, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6394

Re: are mccormick gourmet spices better

hello, are mccormick gourmet spices better than the regular mccormick spices? how about compare with simply organic? or 365 brand? i enjoy finding good spices to cook. but i am also curious why mccormick stock has gone up so much recently. thanks. blackwhisker, Talk to your Indian friends and ask t...
by sksbog
Sun Jul 29, 2018 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: 64 yrs old should I get into the stock market
Replies: 12
Views: 2183

Re: 64 yrs old should I get into the stock market

Absolutely! Just make sure your bonds -stock ratio is age appropriate.
by sksbog
Sun Jul 29, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for high income individuals in taxable account
Replies: 18
Views: 1480

Re: Bonds for high income individuals in taxable account

I have bonds in addition to 401k/IRa.

In taxable account I have vanguard intermediate term tax exempt, reinvest option. This is to achieve my 3 fund portfolio of taxable account.

I also do, buy series I Treasury bonds. They have generous tax free spent policy if you spend on education or healthcare.
by sksbog
Sun Jul 29, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance for son and daughter-in-law
Replies: 58
Views: 3141

Re: Life Insurance for son and daughter-in-law

This is a good time to buy separate term life insurance to cover children's education and extra needed money if something would happen to one in 25-30 years. I bought mine at 26 and never regretted. Since then I have changed almost 9 jobs and never paid attention to what employer offers for life ins...
by sksbog
Sun Jul 29, 2018 8:08 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11883

Re: Passive Index Investing, A Bubble Bound To Burst?

I always enjoy and try to understand new investing ideas. Usually I just don't understand them. Which means I just don't have enough knowledge. Then comes the 3 fund portfolio. Easy for me to understand and learn about what and why I invest and beleive in the 3 fund idea. So every time some new ide...
by sksbog
Sun Jul 29, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Frugality and Cash Rewards: What to keep vs. what to let go
Replies: 16
Views: 2384

Re: Frugality and Cash Rewards: What to keep vs. what to let go

Everything on chase Sapphire reserve card to get points on travel. We travel every year so it makes sense for us. It's has $459 annual fee. You get $300 credit on any travel expense, right away. I usually get 2-3 air tickets out of points each year, that crosses the $150 balance. Sam's club Master c...
by sksbog
Sat Jul 07, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: how does vanguard personal performance chart show return?
Replies: 2
Views: 297

Re: how does vanguard personal performance chart show return?

Vanguard does not say how the return was calculated.
by sksbog
Sat Jul 07, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: how does vanguard personal performance chart show return?
Replies: 2
Views: 297

how does vanguard personal performance chart show return?

Hello Bogleheads,

When I see personal performance chart in vanguard, it shows 9% return with a star on it, for the group of funds I have selected and for the year rangebi have selected.

Is this the total return or annualized return?
by sksbog
Mon Jul 02, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 60
Views: 8616

Re: 47 and clueless - direction needed

Wow they are screwing you over on the front end and the back end. I do not exaggerate here. That is beyond simple negligence that is simply exploiting of the I'll informed. I would get out as soon as possible. This is why a rule called Fiduciary, was in table for Congress. Sounds like common sense,...
by sksbog
Sat Jun 30, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Portfolio, possibly too much cash?
Replies: 5
Views: 810

Re: Critique my Portfolio, possibly too much cash?

Thanks. The question is that should I invest 150k and reap 7-8 % return and take 150k loan when I buy house?
by sksbog
Sat Jun 30, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Portfolio, possibly too much cash?
Replies: 5
Views: 810

Re: Critique my Portfolio, possibly too much cash?

Current loan balance is about 98 k. Was thinking of keeping the mortgage and renting it out when I buy home in a year or two. The rental income would cover the mortgage.
by sksbog
Sat Jun 30, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Critique my Portfolio, possibly too much cash?
Replies: 5
Views: 810

Critique my Portfolio, possibly too much cash?

Him: 44 Her: 42 combined Income ~ 280K Retirement: 1.09 Mil 600 K in VPS IRA , vanguard managed Rest in Vanguard target retirement 73K in series I bonds bought over last 10 years Investments: 98K 43,800 in Schwab SIP robo managed 46,700 in Three Fund portfolio [ Stocks 75% {domestic/int 60%, 40%} , ...
by sksbog
Fri Jun 22, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Foreign Taxes paid from Foreign Index fund in 401K
Replies: 5
Views: 552

Foreign Taxes paid from Foreign Index fund in 401K

Hello Bogleheads, As you all know, if we have foreign taxes paid via foreign funds in taxable account, we can take foreign tax credits. Similarly, is this possible for retirement accounts? Can we take credit of foreign tax paid, when we start paying taxes on the withdrawal during retirement? Thanks
by sksbog
Sun Jun 03, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5391

Re: 125K Spend - Would you do this ?

Folks, As I'm not sure who should I reach out to get an objective opinion/advise on my dilemma, so I thought I'd reached out to my BH community, I apologize if this is bit personal, yet a big financial decision. My issue is I cant yet decide if this is a real need or a want or a wish and if I can r...
by sksbog
Sat Jun 02, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab.com login trouble?
Replies: 21
Views: 3540

Re: Schwab.com login trouble?

schwab website is down, again today.
by sksbog
Tue May 29, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Disconnecting Wi-fi of a device
Replies: 9
Views: 1134

Re: Disconnecting Wi-fi of a device

Hi, At a time, I will have 4-5 devices connected to wi-fi. Now, I have a Mac which I generally use. Is there anyway to disconnect the wi-fi of a device from my Mac book like going on some websites which will show the existing devices connected to my wifi and i click disconnect/connect or any app wh...
by sksbog
Sun May 27, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3263

Re: Cheapest ways to watch NBA playoffs

livesoft wrote:
Sun May 27, 2018 5:11 pm
I don't know and I didn't ask.
Very concerning. It means you have no idea what sites your son goes to and have no idea what he does with his computer.
by sksbog
Sun May 27, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 250
Views: 32431

Re: Why pay cash for a car?

RDHlooking4FIRE wrote:
Sun Nov 12, 2017 5:43 pm
Before i paid off my car the interest rate was 1%. My online savings account is earning 1.3%.

I do really like being debt free though. But am i missing out on cheap money?
Take out taxes and fees on gains and you will be in minus
by sksbog
Wed May 23, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: help needed to restore data
Replies: 12
Views: 1100

Re: help needed to restore data

michaeljc70 wrote:
Tue May 22, 2018 8:46 pm
I haven't used their service, but if I remember correctly, it is very expensive and there is no guarantee. There was no backup?
no backup. it is a NAS drive.
by sksbog
Tue May 22, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: help needed to restore data
Replies: 12
Views: 1100

help needed to restore data

I have a seagate NAS drive, where we store family pictures. All os a sudden the folders disappeared and there is no data in the explorer. I need some help restoring the data. Worked with seagate support. They concluded that that there may be software failure and asked me to contact their data restor...
by sksbog
Mon May 21, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13194

Re: done with Gmail

You could use office 365 subscription, I think it's $5 a month. Well worth the amount of product s you will get in the package.
by sksbog
Sat May 05, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 13620

Re: Warning: avoid Windows 10 update 1803

I never decline updates. If they break something next update would fix it. Keep your backups upto date and always update on time.

Every update makes your PC stronger and more secure, in general.

19 years in IT and counting...
by sksbog
Wed Apr 25, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Newborn- essential financial steps
Replies: 20
Views: 2233

Re: Newborn- essential financial steps

In addition to 529, you can buy series I bonds. You should be able to spend tax free earning on education or medical expenses, after 5 or so years.

Target is having new baby sale till May 3rd I think.
by sksbog
Thu Apr 19, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 2555

Re: Opinion on Vanguard Personal Advisor Services

oh, forgot to mention, part of their role is to keep clients calm at the time of hype and turbulence, and prevent them from making rash decisions.

can you control yourself when the market swings in either direction?
by sksbog
Thu Apr 19, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Personal Advisor Services
Replies: 12
Views: 2555

Re: Opinion on Vanguard Personal Advisor Services

for you, it will be 300 dollar per year.
i would say go ahead for a year and learn from them. ask questions, when and how they re balance. see them doing for a year.

and then cut loose.

for bigger portfolio, north of 300K, i would not use them, once i have learned when and how to re balance.
by sksbog
Thu Apr 05, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 18203

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

I just sold my Accord to carmax and got a used Hyundai santa Fe sport. Best decision for my 2 hour daily commute. My back doesn't hurt anymore.
by sksbog
Wed Apr 04, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 4936

Re: Builder wants $800 to vent a gas cooktop

FraggleRock wrote:
Tue Apr 03, 2018 8:28 pm
Walk away.
Find another house and builder.

You are reminding me why I despise non-custom builders.
Absolutely disgaree. If you start walking away on little things like this, you would never be able to work with anyone.
This is not an unreasonable request.
by sksbog
Wed Apr 04, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Builder wants $800 to vent a gas cooktop
Replies: 53
Views: 4936

Re: Builder wants $800 to vent a gas cooktop

There will be a microwave above the cook top and we have two choices 1) Vent to the outside and pay $800 to do so 2) Recirculate the air after passing it through a filter This is not a custom home, there are only these two choices and the price cannot be negotiated. What say you Bogleheads, is it w...
by sksbog
Mon Apr 02, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 74
Views: 8803

Re: Career Move: Please convince me why I should not work in tech

Not sure what you are doing now but outsourcing is a huge problem for tech at the type of companies you are describing. I would avoid that at all costs or completely understand it. You will probably have many jobs as tech is no longer controlled by tech people but by finance people. What would you ...