Search found 160 matches

by Cunobelinus
Mon Jan 08, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Couple questions on ChexSystems
Replies: 4
Views: 447

Re: Couple questions on ChexSystems

On Freezes I don't yet have a freeze with ChexSystems. Has anyone very recently placed one (within past few weeks)? I wanted to know if there are still major delays in getting the pin in the mail or if that has gone back to semi-normal (a week or so?) now that we're months out from the Equifax inci...
by Cunobelinus
Fri Jan 05, 2018 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Ways to withdraw from Kraken in USA?
Replies: 5
Views: 914

Re: Ways to withdraw from Kraken in USA?

I hope your transfer works. When I read the title I thought a Norwegian sea monster had eaten your money and then swam to the US. :wink: I, too, feared that a great sea monster had departed it's historical hunting grounds and had reached the eastern shores of the US. Perhaps as a result of this bom...
by Cunobelinus
Sat Dec 30, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2371

Re: Checked bag to HI, worth cost and trouble?

We go every year and find it easier to just buy what we need when we get there. It is more expensive, but not as bad as it used to be. Unless you have some special dietary needs that you might not be able to get there (unlikely), I'd only take on the plane what you need for travel. Please buy reef ...
by Cunobelinus
Sat Dec 30, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Checked bag to HI, worth cost and trouble?
Replies: 36
Views: 2371

Re: Checked bag to HI, worth cost and trouble?

We can fit all the stuff we need into free carry ons (United and Hawaiian). For $75 (all flights), I can check a large suitcase. Is stuff so expensive on the Big Island that I should pay for the checked bag and load it with sunscreen, snacks, etc? Is it worth the cost and trouble, or should I just ...
by Cunobelinus
Sat Dec 30, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Spam email
Replies: 13
Views: 714

Re: Spam email

You might try using something like Thunderbird. They have a pretty good spam filter that you can adjust. Moving to a new email provider is also a good idea, you could start the process and use thunderbird, then after a year or so get rid of the old account. In the meantime, you might want to use a ...
by Cunobelinus
Sat Dec 30, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Spam email
Replies: 13
Views: 714

Re: Spam email

Spam is here to stay. Get used to it. I am keeping my 25 yr old POP3 account. It is loaded with spam now that the addr has been sold over & over throughout the years to junk dealers. That ISP has SpamAssassin in place but I have to keep tuning it. I'd say that 85-90% of junk is blocked. It's gotten...
by Cunobelinus
Sat Dec 30, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 6648

Re: Wifi Router Advice

Still running dd-wrt on a Linksys WRT-54G. Haven't had any issues since setting it up 8-10 years ago..? I'm surprised routers sell for $100+. I would upgrade immediately as I am guessing it is no longer supported. I would be very concerned about security vulnerabilities. Cosmo I'm generally concern...
by Cunobelinus
Sat Dec 30, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7143

Re: The Economics of a new Puppy

Looking back on it, keeping our first beastie lean actually allowed us to recognize when he got sick, after gaining ~8lbs in a week when we were out of town. It was water weight in his abdomen, but if he was a chubby pup, it would've been harder to notice his weight gain and may have delayed a diag...
by Cunobelinus
Sat Dec 30, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 8581

Re: Putting in a Word About Tea - brands, types, etc.

I can not believe I am spending more time following this thread than I usually take with asset allocation discussions. Verily. I think this might be the first thread in quite some time where I've read every word. While I drink green tea almost every day (Numi looseleaf -- bourgeoisie for sure, bord...
by Cunobelinus
Sat Dec 30, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7143

Re: The Economics of a new Puppy

What does "GSD" mean? Gun Shot Dog, like a hunting dog? Non-intuitive acronyms are ubiquitous on this forum. Look into slow growth plans. Slow growth involves feeding the correct amount (which is much less than the dog food bags will recommend) and switching from puppy to adult food very early. Hel...
by Cunobelinus
Fri Dec 29, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 6648

Re: Wifi Router Advice

Still running dd-wrt on a Linksys WRT-54G. Haven't had any issues since setting it up 8-10 years ago..? I'm surprised routers sell for $100+.
by Cunobelinus
Fri Dec 29, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for new credit card when credit is frozen?
Replies: 13
Views: 799

Re: Applying for new credit card when credit is frozen?

I detailed my experiences with credit freezes for the past few years here: https://www.bogleheads.org/forum/viewtopic.php?t=233073 In short, you should effect a temporary thaw for up to 5-7 business days at all credit bureaus prior to applying for the credit card. No one you speak with on the phone,...
by Cunobelinus
Fri Dec 29, 2017 5:19 am
Forum: Investing - Help with Personal Investments
Topic: 2018 Financial Plan [24 year old]
Replies: 19
Views: 1165

Re: 2018 Financial Plan [24 year old]

1. I'm glad the responses haven't been negatively critical, at least, so far. It's still early on the East Coast though :wink: 2. You seem to be doing just fine. It's difficult to not keep trying to maximize or push for 100% efficiency. 3. You could deliberately make it an onerous process to access/...
by Cunobelinus
Fri Dec 29, 2017 4:51 am
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5724

Re: The Growing Peril of Index Funds: Too Much Tech

This sounds like the noise that our dogma tells us to ignore. In all seriousness, I'm not even interested in reading the article. Perhaps that's a shortcoming, or perhaps because I have an ambivalence towards market commentary in a realm where people are paid large sums of money to do things and tal...
by Cunobelinus
Fri Dec 29, 2017 4:32 am
Forum: Personal Consumer Issues
Topic: Good VPN?
Replies: 21
Views: 1984

Re: Good VPN?

I have used TunnelBear for some years now and I'm happy with it. Depending where I'm routing it through, I get speeds of 3-30Mb/s, which is perfectly fine as far as I'm concerned. Standard disclaimer applies: it depends what you're using it for. I use it mainly for traveling and using wireless netwo...
by Cunobelinus
Fri Dec 29, 2017 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Impending military retirement, possible early retirement?
Replies: 2
Views: 325

Re: Impending military retirement, possible early retirement?

Much of what you're looking for, as I read it, is very subjective. My opinion? You're in pretty good shape. I'm not in your shoes though. 1. I wouldn't feel comfortable, simply because a huge change like that is uncomfortable. Financially, it looks feasible. But it's like cliff-jumping for the first...
by Cunobelinus
Fri Dec 29, 2017 3:42 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7143

Re: The Economics of a new Puppy

When I was looking into changing homeowner’s insurance recently, one question that was asked consistently was whether we had a dog. My assumption was that it would have increased our premium if we did. My experience is that only dangerous and/or biting dogs cause increased premiums. Hasn't come up ...
by Cunobelinus
Fri Dec 29, 2017 3:34 am
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7143

Re: The Economics of a new Puppy

Costco for Nature's Domain food. You can often use secondary markets (e.g., FaceBook buy/sell/trade pages) for heartworm or flea&tick, but Amazon or Costco is reliable for this. You're buying an expensive beast (cost > rescue dog adoption fee). We decided on pet insurance for our beasties, nominally...
by Cunobelinus
Wed Dec 27, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC quotes IRS on terms of deductibility of prepaid property taxes
Replies: 79
Views: 5575

Re: IRS clarifies 2018 property tax prepayment

delamer wrote:
Wed Dec 27, 2017 6:55 pm
My county fits example #2 in the link perfectly. So no joy for us, as the British say.
Americans say that too. It's aviator jargon, at least in the military, and has spread beyond just the aviators.
by Cunobelinus
Wed Dec 27, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 11803

Re: European Cities that don't interest you

We spent three days in Venice this past summer, one would have been plenty. I once planned to stay in Venice for two or three days, but left after about 10 hours. Mostly, it was the trash everywhere on land and the floating trashbergs clogging the canals that were a turn-off. I didn't think Madrid ...
by Cunobelinus
Thu Dec 14, 2017 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Active Duty Military Bereavement Leave?
Replies: 16
Views: 1234

Re: Active Duty Military Bereavement Leave?

A few thoughts: 1) Based on the higher retention rates in the USAF, I infer that quality of life is better in the USAF than the other branches, I should think that they're a friendlier organization, more flexible with personnel needs, than the other service. 2) The command CO is the only person actu...
by Cunobelinus
Fri Dec 08, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

These are, so far, my only issues. I think they're pretty minor though. I think (hope) as the US comes to term with the lack of privacy and PII breaches, people will become more aware of the process for the products they're selling. And that these prerequisites for opening new accounts or using thei...
by Cunobelinus
Fri Dec 08, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Working in a secure area
Replies: 6
Views: 1454

Re: Working in a secure area

You can take care of personal business if you need to. You just can't bring personal electronic devices in to work with you. You also have to evaluate what personal business has to be taken care of during work hours. It's hard for a lot of folks to wrap their head around "emergency" or "necessary" o...
by Cunobelinus
Fri Dec 08, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

Despite talking with three different CSRs at Ally Bank, they do indeed mandate a pull from ChexSystems. Each CSR told me a different story about which credit bureau(s) they use -- one CSR said they only use one, another said a different one, and the last CSR said they use "all three national credit ...
by Cunobelinus
Fri Dec 08, 2017 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security name confusion
Replies: 36
Views: 4387

Re: Social Security name confusion

Reviving an old thread here. Just created an online SSA account, and upon signing in, found that my first name is misspelled. Called up the help number, only to be told that my SS card (spelled correctly) was probably wrong because all of his records showed my name spelled differently (he pronounced...
by Cunobelinus
Thu Nov 30, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Rational Optimism for Global Stock Returns?
Replies: 21
Views: 1928

Re: Rational Optimism for Global Stock Returns?

My thoughts: nobody knows nothing.

My other thought: how am I the first to post that? Normally people are champing at the bit to write some pithy aphorism about not knowing where the market is heading.
by Cunobelinus
Thu Nov 30, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Question on Signal Private Messenger
Replies: 11
Views: 745

Re: Question on Signal Private Messenger

I have it on iOS and if it did ask for that many permissions (doubtful), I declined, and it works just fine. I do recall that is asks for contacts so that it matches the hash of the phone numbers (or something anonymish*) to populate your contact list in Signal. I opted for that. *I'm not a security...
by Cunobelinus
Mon Nov 27, 2017 2:06 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4232

Re: Trip to Hawaii - what do I need to know

Be careful of sunburn. Especially when snorkeling or in the water. On my last day there I thought that my skin was ready for full sun without sunscreen and it was by far the worst sunburn of my life. Call it sun poisoning. Was dreadful. No joke. You won't be ready for the Hawaiian sun between 11am-...
by Cunobelinus
Mon Nov 27, 2017 1:03 am
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1505

Re: overseas vacation questions

7. Download offline google maps for the areas you'll be traveling to. I did this for my last trip to Costa Rica and was able to do turn by turn GPS routing through the entire country of Costa Rica on my phone without ever leaving airplane mode or turning on data roaming. This works on the google ma...
by Cunobelinus
Mon Nov 27, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1505

Re: overseas vacation questions

Make sure your debit card works. And try to make sure it works overseas (call the company). I went abroad with someone who brought two debit cards -- one she didn't know the pin to but thought she could figure out (the ATM ate it), and the other was just recently expired. Carry more than one type of...
by Cunobelinus
Mon Nov 27, 2017 12:43 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4232

Re: Trip to Hawaii - what do I need to know

Thinking about a trip to Hawaii next Fall for our 15 anniversary. I know nothing about Hawaii except that my wife would love to go there. Wondering if anyone has any recommendations for a starting point for planning this trip. Hawaii island (Big Island)* has the most rugged feel to it, but you'll s...
by Cunobelinus
Mon Nov 27, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4232

Re: Trip to Hawaii - what do I need to know

I've only been to Maui. Snorkeling was great. Make sure you enter the water even if you aren't a big swimmer. Salt water is very buoyant and very non-tiring to be in. Be advised that the ocean surrounding the islands is far more dangerous that surrounding the mainland. You don't typically see waves...
by Cunobelinus
Mon Nov 27, 2017 12:32 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4232

Re: Trip to Hawaii - what do I need to know

You need a Jeep at any of the islands. If you go to the Big Island, drive all the way to the top of Mauna Kea. Just be aware of altitude sickness that will make you very tired. I disagree. You need a driver and a vehicle that can handle unpaved, pebbly roads with a decent (5-9%?) grade with switchb...
by Cunobelinus
Mon Nov 27, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

I bought car with cash (well, technically whatever amount they were willing to put on a credit card, and a personal check for the rest) a few years ago and the dealership still insisted on doing a hard pull on my credit. Personal check was the problem. They had no way of knowing if the check was an...
by Cunobelinus
Sun Nov 26, 2017 11:55 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

I'm cautious about unnecessary hard pulls and make merchants verify that they are not doing a hard pull when it's not necessary. That said, they have such a minimal impact on my credit score which fades rather quickly, so I don't sweat it when it happens. Yeah, I'm not concerned about its effect on...
by Cunobelinus
Sun Nov 26, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

You are not being reasonable the credit freeze is working like it should, a couple of things; 1) When I have applied for credit cards they will just send me a snail mail letter saying which credit bureau I needed to unlock and then call back with a reference number and it has never been a problem. ...
by Cunobelinus
Sun Nov 26, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

3) An application for a savings account at an online bank was placed on hold because a credit check did not pass. This seems to be the most annoying of them all, because I can't understand how opening a savings account requires credit history. It's not like I'll be delinquent on paying them.. becau...
by Cunobelinus
Sun Nov 26, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

Re: The annoying insistence on frivolous credit checks/pulls

I've had my credit frozen for years and never had an issue. There's always a way around a credit pull, or I simply decline the business relationship. Of course that means paying cash or having to set up auto pay sometimes, but that's on me. Complaining about the merchants when you froze your own cr...
by Cunobelinus
Sun Nov 26, 2017 3:25 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4232

Re: Trip to Hawaii - what do I need to know

I like Maui the best. One thing that annoyed me about the Big Island is that it felt like an hour+ drive to go anywhere (volcano, tea plantations, chocolate making/etc). I went to Hawaii to sit on the beach/resort, visit something new/learn something new, and have good food. This was partly what we...
by Cunobelinus
Sun Nov 26, 2017 3:20 am
Forum: Personal Finance (Not Investing)
Topic: the psychology of a taxable account
Replies: 29
Views: 2879

Re: the psychology of a taxable account

When you have to pay capital gains taxes, you will decide that the money is "untouchable" as well. :) If you don't believe that investing tax-efficiently in a taxable account will well exceed the interest you pay on your mortgage (before tax and after tax), then it seems that you do not understand ...
by Cunobelinus
Sun Nov 26, 2017 3:13 am
Forum: Personal Consumer Issues
Topic: The annoying insistence on frivolous credit checks/pulls
Replies: 35
Views: 3317

The annoying insistence on frivolous credit checks/pulls

I froze my credit a while ago, after one of the Office of Personnel Management (OPM) data breaches. My understanding when freezing my credit at the three bureaus (information pirates) was that I'd be able to find out ahead of time which of the three bureaus (pirates) I'd need to temporarily unfreeze...
by Cunobelinus
Tue Nov 21, 2017 7:15 am
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 50
Views: 10852

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

Interesting way to look at cost of living. Thanks for sharing. Agree that there are probably some flaws in their methodology as far as getting $1M to last. I'll be there are lots of people in Hawaii who retired on less than that! Shootz. Live with your parents (and grandparents) for a long time. Li...
by Cunobelinus
Sun Nov 19, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: iPhone vs Android longevity
Replies: 9
Views: 1054

Re: iPhone vs Android longevity

Ppl have tested this. Apple and Google are not purposely slowing phones. My 6 runs fine. Did you factory reset it? Indeed. An iPhone 4s (circa October 2011) runs reasonably well with a periodic factory reset. I've reset three times in 6 years, and it has run significantly better after the reset.. u...
by Cunobelinus
Sun Nov 19, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 6067

Re: How much do you budget for vacation?

Honestly we don’t budget and never have, tho we live well below our annual income. We take about 4 or more trips a year that last 1-3+ weeks. Sometimes my airfare is covered, sometimes a night or more of hotel is covered, more often it is all on our own dime but airfare is rarely more than $1000/pe...
by Cunobelinus
Sun Nov 19, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: iPhone vs Android longevity
Replies: 9
Views: 1054

Re: iPhone vs Android longevity

Ppl have tested this. Apple and Google are not purposely slowing phones. My 6 runs fine. Did you factory reset it? Indeed. An iPhone 4s (circa October 2011) runs reasonably well with a periodic factory reset. I've reset three times in 6 years, and it has run significantly better after the reset.. u...
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: 3291

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: 2999

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: 93
Views: 7874

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: 3291

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: 1956

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...