Search found 115 matches

by Cunobelinus
Fri Nov 10, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Any red flags all stocks no bonds...
Replies: 64
Views: 2665

Re: Any red flags all stocks no bonds...

At your age did not bother with Bonds. But had a substantial wad of Cash on hand, over and above emergency fund, to pick up Stocks as and when they went on sale. You can use bonds to buy equities periodically when the equities invariably drop. I don't know this for sure, but I "feel" like keeping 1...
by Cunobelinus
Fri Nov 10, 2017 5:29 am
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 2480

Re: When did you start investing in taxable accounts?

Used my first extra $1k, sometime around the end of my university time, to buy AAPL in a brokerage account. This was before I had heard of what an IRA was (read up on that a few months later) or a 401k (realized that was an option 2 years later). I've only not put money into a taxable account for a ...
by Cunobelinus
Fri Nov 10, 2017 5:26 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6073

Re: Spam calls to cell phone...

My wife recently got a call from her exact number. This is my fear - that I diligently block all these fake numbers on my phone, but end up blocking real numbers because of the spoofing. I read about another (or complementary) option a few years back: set your default ring tone to a "silent" tone a...
by Cunobelinus
Fri Nov 10, 2017 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Any red flags all stocks no bonds...
Replies: 64
Views: 2665

Re: Any red flags all stocks no bonds...

At your age did not bother with Bonds. But had a substantial wad of Cash on hand, over and above emergency fund, to pick up Stocks as and when they went on sale. You can use bonds to buy equities periodically when the equities invariably drop. I don't know this for sure, but I "feel" like keeping 1...
by Cunobelinus
Fri Nov 10, 2017 5:15 am
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1740

Re: Gifts for a marathoner

I recently bought a running belt for my phone, wallet, and car keys. Doesn't bounce and is very unobtrusive. http://www.runningwarehouse.com/Salomon_Agile_250_Belt_Set/descpage-SAA2BS7.html The 250ml bottle that comes with it is useless. I can't help but wonder what those little bottles could do ev...
by Cunobelinus
Fri Nov 10, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: Gifts for a marathoner
Replies: 25
Views: 1740

Re: Gifts for a marathoner

Gift certificate for a massage. Or a pass (?) for a pool/hot tub if that's a thing. Concur with the nice thought for buying running gear, but I wouldn't want someone to feel obligated to use/wear something I got them while running for long periods of time. Unless, you know, it's something that they'...
by Cunobelinus
Tue Nov 07, 2017 3:00 am
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 9591

Re: Disposable income... how?

Priorities. A good (military officer) friend of mine married another military officer. About a year in, he was excitedly telling me how they'd managed to save about $20k in the past year together and were going to use that as their down payment for a house at their next duty station. I was shocked, ...
by Cunobelinus
Sat Nov 04, 2017 2:35 am
Forum: Personal Consumer Issues
Topic: Cruise to Hawaii
Replies: 14
Views: 1086

Re: Cruise to Hawaii

Having been between the west coast and the Hawaiian Island several times by boat and by air, I feel qualified to state that air travel is far preferable due to the amount of time spent in transit. I'd rather enjoy the time here in the islands than the time in the middle of the ocean with nothing in ...
by Cunobelinus
Sat Nov 04, 2017 2:27 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6073

Re: Spam calls to cell phone...

the user, pondering, had written that once he receives one of these phone calls -- these auto-dialed spam phone calls -- that he would attempt to speak with the caller. I was just stating that I suspect he'll be able to receive one of those telephone calls sooner rather than later, since he is publi...
by Cunobelinus
Sat Nov 04, 2017 2:23 am
Forum: Personal Consumer Issues
Topic: How secure are Wi-Fi cameras?
Replies: 28
Views: 2226

Re: How secure are Wi-Fi cameras?

Not very secure. As someone (or some many) commented before, most, if not all, were designed without security in mind. Security on most electronics is hacked together after the fact. Separate VLANs are highly recommended. At the very least, put all of your non-critical components on a Guest Network,...
by Cunobelinus
Sat Nov 04, 2017 1:09 am
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1455

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 Cunobelinus
Sat Nov 04, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6073

Re: Spam calls to cell phone...

My wife recently got a call from her exact number. This is my fear - that I diligently block all these fake numbers on my phone, but end up blocking real numbers because of the spoofing. I read about another (or complementary) option a few years back: set your default ring tone to a "silent" tone a...
by Cunobelinus
Sat Nov 04, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6073

Re: Spam calls to cell phone...

I'm also guessing that once I receive one of these calls I might want to find out more about the person making the call by being friendly and polite to the person calling me. I should think that the posting of a telephone number and name in your signature will grant you this option far sooner than ...
by Cunobelinus
Sun Oct 29, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3437

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

Qualifications: fair-skinned, live in Hawaii, despise sunburn. Primary Method: stay in shade or inside between 11:00am and 1:30pm Results: less than a handful of sunburns in the past 4-5 years* *I do understand that just because I'm not burning, that doesn't mean there isn't any risk of cancer. If I...
by Cunobelinus
Sat Oct 28, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 232
Views: 40124

Re: USAA 2.5% Cash Back Credit Card

I don't see that card for Hawaii, are you using a different billing address? I do see it when I tell the website I'm in WA. Unfortunately, I'm in CA so I'm still waiting. It was available in February, I believe. I applied then, expecting it to fail because I already had frozen my credit with all th...
by Cunobelinus
Fri Oct 27, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 232
Views: 40124

Re: USAA 2.5% Cash Back Credit Card

I don't see that card for Hawaii, are you using a different billing address? I do see it when I tell the website I'm in WA. Unfortunately, I'm in CA so I'm still waiting. It was available in February, I believe. I applied then, expecting it to fail because I already had frozen my credit with all th...
by Cunobelinus
Tue Oct 24, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 2908

Re: New TV, what's important?

If you're not even using your 7.1 system, keep things simple for yourself and get a soundbar. With few exceptions, the tiny built-in speakers that have to be squeezed into flatscreens are barely adequate, and soundbars keep things simple for you. I'd plan on getting a model with a subwoofer unless ...
by Cunobelinus
Tue Oct 24, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 2908

Re: New TV, what's important?

TV these days are almost just commodities. Just buying a name brand. They have wifi capability. A 65-inch 4k should coast about $1,000. Verily. They're all about the same IMHO. Some do have more annoying "features" though. I will personally avoid Samsung in the future because of their Smart-ness. E...
by Cunobelinus
Mon Oct 23, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: How do scammers get your email address?
Replies: 2
Views: 325

Re: How do scammers get your email address?

Some e-mails can be obtained via data breaches, posted in various places or sold to brokers. You can try to see if your e-mail is one of the millions that are generally freely available online. https://haveibeenpwned.com/ That website tries to compile a list of all of the breaches and make it search...
by Cunobelinus
Sat Oct 21, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1389

Re: Visiting the Great Barrier Reef

The distance from Sydney to Cairns is 1500 miles. Imagine if you lived in Houston, TX and had visitors come in to town. You make a decision everyone should drive 1400 miles to Washington, DC to see the nation's capital. 1500 miles, coupled with a lower speed limit than you find in the US, coupled w...
by Cunobelinus
Tue Oct 17, 2017 10:31 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2725

Re: Email Security after equifax breach

There are also postal mail security concerns associated with the Equifax breech and the post office's 'Informed Delivery' service. Authentication is weak meaning someone could sign up for the service posing as you. A free new service from the U.S. Postal Service that provides scanned images of inco...
by Cunobelinus
Tue Oct 17, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Thrift Savings Plan
Replies: 24
Views: 2081

Re: Thrift Savings Plan

Zeusy Zeus, We tend to have a fairly structured approach to financial planning here. What I believe several people above have been trying to impart to you is that an L-fund is a 90% solution both while you're learning more about what to do, or if you decide you don't want to take any more action on ...
by Cunobelinus
Mon Oct 16, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 15382

Re: Dividends vs. Capital Gains for Spending Needs?

Thanks. I appreciate the responses. It made sense as soon as I started reading.
by Cunobelinus
Mon Oct 16, 2017 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 372
Views: 49460

Re: Retirement Account Stolen by Identity theft

I was wondering when they would start stealing retirement accounts. My concern was also getting stuck with a big tax bill and the 10% penalty for those under 59 1/2. My wife froze our credit several years ago and I moved all my IRAs "offline" several years before that. What does it mean to move an ...
by Cunobelinus
Sun Oct 15, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 3793

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Without question, I would avoid Oahu like the plague. I describe Oahu as the world's most expensive traffic jam. Pearl Harbor is neat, but not worth the hassle of Honolulu traffic. I, too, would opt for the Big Island. Don't even think of including beaches on the Big Island - too much else to do an...
by Cunobelinus
Sun Oct 15, 2017 5:56 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 3793

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Kauai: Captain Andy's catamaran to the Na Pali coast was one of the most relaxing and beautiful excursions we have ever done. We also did a fun kayak adventure to the Wailua waterfall. Nice and long, good exercise, minimal current. We live on Oahu: Depends on what you like. the North Shore is less ...
by Cunobelinus
Sun Oct 15, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 3793

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Someone mentioned oahu. Oahu is alright. Waikiki is like any other city except its right next to the ocean. Thats it. Its a cluster to say the least. Pearl harbor is great. Diamond head is alright...nice views of waikiki. Haunama bay sucks for snorkeling. North shore is really nice unless you go in...
by Cunobelinus
Sun Oct 15, 2017 5:13 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 15382

Re: Dividends vs. Capital Gains for Spending Needs?

I like receiving dividends but when i look at my taxes...... :evil: Verily. My wife inherited a taxable account that pays a large sum of dividends, but she hassles me when we do taxes and she sees my taxable VTIAX (Vanguard International) pay out a small fraction of her annual dividends. I used to ...
by Cunobelinus
Sun Oct 15, 2017 5:08 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 200
Views: 15382

Re: Dividends vs. Capital Gains for Spending Needs?

I have a preference for dividends but I don't chase them and I don't buy investments just for their yield. The market does a pretty good job setting prices, I know people who have chased yield too hard only to see the value of their securities decline over time. What the extra yield giveth, decline...
by Cunobelinus
Sun Oct 15, 2017 4:40 am
Forum: Personal Consumer Issues
Topic: What do you buy in Asian food stores?
Replies: 86
Views: 5673

Re: What do you buy in Asian food stores?

For a time, I'd just buy some food* that I knew at a farmer's market or Chinatown, then 2-3 things that I didn't know, taking a picture of it with the placard/name so that I'd know what it was later. Fruits and veggies have multiple names, depending on which country of origin you're buying them from...
by Cunobelinus
Sun Oct 15, 2017 4:29 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5716

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

Live below your means Systematically save Have a low cost investment strategy Max out tax advantage Accounts first I'd only add: invest in yourself. You don't have to be a doctor, but working towards the next certification or degree that can add to your income or make you promotable is worthwhile. ...
by Cunobelinus
Sun Oct 15, 2017 4:26 am
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5716

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

I remember some days I would go to the library in the early morning when it was dark and would come out of the library at night when it was dark again. Hard work pays off. Very easy to do in the wintertime if you live up north.. heck, there were winters that it seemed like I only saw the sun for a ...
by Cunobelinus
Fri Oct 13, 2017 3:46 am
Forum: Personal Consumer Issues
Topic: Anyone else using HTTPS Everywhere or similar?
Replies: 16
Views: 1426

Re: Anyone else using HTTPS Everywhere or similar?

I recommend you continue using HTTPS Everywhere. Spread the word. I caution you against not using it (it's an easy, seamless means of increasing your privacy/security). No downside as far as I know. I encourage the use of their other extension, Privacy Badger. Those two extensions/addons are the fir...
by Cunobelinus
Tue Oct 10, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: TSP contributions
Replies: 6
Views: 1558

Re: TSP contributions

Pretty old topic here, but I couldn't find an answer to Rocket's question: Can you contribute to TSP through retirement pension ????? I found a few other discussion on the forum, but none seemed to answer that question. I confess I have not tried very hard to find the literature from a *.gov website...
by Cunobelinus
Tue Oct 03, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Newborn
Replies: 20
Views: 1236

Re: Dental/Vision Insurance for Newborn

Pretty sure you would need teeth in order to need dental coverage...But for a couple bucks a month I would probably still take it. I would not enroll a newborn in dental. Complete waste of money. You have the opportunity to enroll them each open enrollment. Wait until they are at least 2. +1 Tongue...
by Cunobelinus
Wed Sep 27, 2017 1:19 am
Forum: Personal Consumer Issues
Topic: Chrome vs Firefox
Replies: 34
Views: 4498

Re: Chrome vs Firefox

Diehard FF and Chrome user. Just for different purposes. Firefox for general browsing, Chrome for more serious matters. Opera for some things. Sometimes Safari.

Only notice a performance "hit" when using a VPN or Tor. Maybe I'm not that sensitive to milliseconds of performance.
by Cunobelinus
Mon Sep 25, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: REIT VNQ ?
Replies: 2
Views: 451

Re: REIT VNQ ?

IRA. See the wiki on tax-efficient fund placement here for the reasons why: https://www.bogleheads.org/wiki/Tax-eff ... _placement
by Cunobelinus
Sun Sep 24, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 4175

Re: Thoughts on Barefoot/Minimalist Running

I'd echo what IowaFarmBoy wrote above. I did a little bit of barefoot running in high school, but did most of my running outside of races in regular, cushioned running shoes. Racing flats or spikes were likely my first introduction to the zero-drop/near zero-drop running shoes. I still see all sorts...
by Cunobelinus
Tue Sep 19, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 2108

Re: Military: Investing a Windfall in Expensive Market?

Don't be afraid of debt. If someone offered me a loan with an interest rate of 0.75% I would borrow as much as they would lend me. I did. And it was worthwhile -- I invested most of it and made more than 0.75% return after taxes. After 3 years or so of "debt" gnawing at me, I elected to pay it off ...
by Cunobelinus
Tue Sep 19, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Military: Investing a Windfall in Expensive Market?
Replies: 16
Views: 2108

Re: Military: Investing a Windfall in Expensive Market?

Logically: throw it promptly into your index fund/ETF of choice -- the one that complements your TSP and IRA in terms of asset allocation, and then continue automatically contributing to your TSP and taxable accounts and let 'em ride. (alternate option: DCA your lump sum if you're particularly conce...
by Cunobelinus
Sun Sep 10, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 49885

Re: Equifax customer information leak

To the question of whether the unique ID for access to frozen accounts might have been included in the breach, the Brian Krebs web site suggests a tentative "no". Several readers who have taken my advice and placed security freezes (also called a credit freeze) on their file with Equifax have writt...
by Cunobelinus
Sat Sep 09, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11800

Re: Anyone else freeze their credit score?

Just froze Experian, TransUnion and Equifax this morning and there was no charge. Does this mean my credit has been breached? No, it does not. Looking about on the internet will show you that your state very likely has legislated to prevent them from charging you money to prevent them from selling ...
by Cunobelinus
Tue Aug 01, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 27
Views: 6234

Re: DIY Radiant Barrier in attic?

Purely anecdotal: when I installed a radiant barrier in my attic, it was substantially cooler as I was laying beneath the mylar during the installation. At the same time, we had a whole house fan installed and two additional vents put into the attic to support the mass flow rate of the house fan (dr...
by Cunobelinus
Thu Jun 01, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 30
Views: 3639

Re: Dealing with Impatience reaching financial goals

I don't actually tally up all the various accounts but two or three times per year. The multiple layers of security (password manager, two-factor authentication, locked down browsers, and a wife who always takes the computer away from me) make it too onerous for me to actually check how much is in e...
by Cunobelinus
Thu May 18, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 138
Views: 14744

Re: For those with $500k-$1m in investments...

Excluding the emergency fund, it's 7% taxable and 93% tax deferred. Mid 40s. We max out retirement accounts and add 200-300/month to a tax efficient stock fund in a taxable account. I think people with a large % in taxable will be in one of several camps: 1 Received inheritance/windfall (stock opti...
by Cunobelinus
Mon May 08, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5151

Re: USAA 2.5% unlimited Cash back Card - Weird...

I wrote again to USAA to document my issue(s). In short, I applied the first time and they repeatedly told me to unfreeze with the wrong credit bureau. That application lapsed because I had to apply for a new pin from Transunion and that was the only bureau they stated they could use. A month later ...
by Cunobelinus
Sat Apr 29, 2017 12:48 am
Forum: Personal Consumer Issues
Topic: How does dental insurance work (for you)?
Replies: 6
Views: 1350

Re: How does dental insurance work (for you)?

Some people make mistakes. Some more than others. A dental practice is a business. A dentist makes money from performing operations: extraction, crowns, root canals, fillings, etc. As this is a business, a dentist's staff may be pushing more expensive items (e.g, a composite filling, aka white filli...
by Cunobelinus
Thu Apr 27, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5151

Re: USAA 2.5% unlimited Cash back Card - Weird...

I'm trying again. I've been with USAA for 11 or 12 years and there are some frustrating things with customer service that pop up every now and then, but it's not worth closing out everything. What I found the most frustrating thing was that there was no way that I found to provide feedback to the p...
by Cunobelinus
Thu Apr 27, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5151

Re: USAA 2.5% unlimited Cash back Card - Weird...

azanon wrote:Wolfgang are you using 2 different accounts (also cunobelinus)? I can't tell for sure if this is two different complaints or the same person.
Perhaps the same complaint, but two different people. =)
by Cunobelinus
Thu Apr 27, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5151

Re: USAA 2.5% unlimited Cash back Card - Weird...

I'm trying again. I've been with USAA for 11 or 12 years and there are some frustrating things with customer service that pop up every now and then, but it's not worth closing out everything. What I found the most frustrating thing was that there was no way that I found to provide feedback to the pr...