Search found 183 matches

by Cunobelinus
Tue May 22, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 1531

Re: Babymoon - Hawaii Recommendations/Expected Costs

Wife and I will be having our first baby in November. We are looking to do our "babymoon" in Hawaii and are looking for suggestions and estimated costs for it. It will be my wife's first time going to Hawaii and all she really is wanting to do is relax/enjoy the beach and maybe do a spa item. I hav...
by Cunobelinus
Wed Apr 11, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Engineering: Quality of school vs. specialized niche degree
Replies: 52
Views: 3501

Re: Engineering: Quality of school vs. specialized niche degree

I chose to do EE in college because it was broader than Computer Systems Engineering and allowed me to take more fun electives. Off the top of my head from my EE class, we had folks go on to the following: a snowpark engineer (yeah, designed jumps at resorts in the Rockies), a US Patent Office emplo...
by Cunobelinus
Tue Apr 10, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4618

Re: Tequila and Magaritas

b.lock wrote:
Tue Apr 10, 2018 2:38 am
I make margaritas by the gallon.
I like the cut of your jib. :sharebeer
by Cunobelinus
Tue Apr 10, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 7690

Re: New faster DNS - 1.1.1.1 by CloudFlare

You don't need to install any software to use alternate DNS servers. When I clicked on https://1.1.1.1/ it presented me with two options: INSTALL and INFO. I stopped there. Even I do not need to install any software, I will not use this service. Everyone should be cautious about any service like th...
by Cunobelinus
Tue Apr 10, 2018 12:03 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 7690

Re: New faster DNS - 1.1.1.1 by CloudFlare

+1 on that. DNS is a very common attack vector. I would never put my machines at risk using this “free” service. Remember: if it purports to be free then YOU are the product. The security issue isn’t at all what you are implying. Cloudflare’s new Public DNS is safe and secure to use. It is an alter...
by Cunobelinus
Mon Apr 09, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: USAA Check Clearing Time
Replies: 7
Views: 527

Re: USAA Check Clearing Time

Like most, I've always had deposited checks immediately available. I'd call them to see what is going on if you're expecting this huge delays. ACH transfers between financial institutions take time, but deposited checks do not. Heck, USAA has been depositing my paycheck before payday for years now.
by Cunobelinus
Mon Apr 09, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 59
Views: 4618

Re: Tequila and Magaritas

My simple recipe, as a bartender in Mexico City relayed to me years ago: 1 part tequila 1 part triple sec 1 part lime juice A simple clear (blanco or silver) tequila will do the trick. I've used Patron, Don Julio (what my Mexican counterparts preferred), Sauza, and Jose Cuervo. You can notice a diff...
by Cunobelinus
Tue Apr 03, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: Bonds in TSP - but what if it’s split 50% Roth TSP?!
Replies: 20
Views: 1598

Re: Bonds in TSP - but what if it’s split 50% Roth TSP?!

If you are choosing to use Roth TSP, I think it is a waste of time to worry there might be some bonds in the Roth portion of the account. Here at Bogleheads, we spend an incredible amount of time discussing stuff that does not matter much. The "bonds in Roth" issue is one of those things. In truth,...
by Cunobelinus
Tue Apr 03, 2018 12:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1404625

Re: U.S. stocks in freefall

Today, on the drive into work, I had a fleeting moment of "awareness." The radio host was stating that the markets suffered a drop because of concerns in the tech sector due to speculation about regulation that may or may not happen. I momentarily felt disappointed, thinking "who trading stocks actu...
by Cunobelinus
Tue Apr 03, 2018 12:28 am
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 28
Views: 2159

Re: Protecting personal privacy on-line - CBS News

I'm not trying to be obnoxious, but this seems like a 30 second introductory piece on how to act like an whistleblower/activist. Like many things, it depends on why you're trying to remain private. Disclaimer: I am neither a recognized nor self-professed security/privacy expert. I just try to pay at...
by Cunobelinus
Thu Mar 29, 2018 11:23 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 9367

Re: What is the endgame for Millennials?

being 33, i'm an older millennial, but i feel i identify with gen-x more. for me, the biggest thing was the wisdom my parents imparted on me at a young age. "if you can't buy it in cash, you can't afford it." they weren't really good at investing (they feared the markets so they only used savings a...
by Cunobelinus
Wed Mar 28, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Download Security- Adobe PDF reader
Replies: 6
Views: 711

Re: Download Security- Adobe PDF reader

You say "confidential" but I'm not sure I understand what you mean. In terms of security, I'm thinking classification levels, and you wouldn't be easily able to download that on a regular personal/unclassified computer. If you're talking about proprietary information, I'd hope you've consulted with ...
by Cunobelinus
Wed Mar 28, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9289

Re: Not going to be buying chicken for a while...

Just to offer a little context to this post. White striping and a similar but not directly related issue called Woody breast are issues that have cropped up in chicken farming in the past couple years. White striping can sometimes be a quality issue, but it's safe. Woody breast is also safe, but a ...
by Cunobelinus
Thu Mar 01, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 3436

Re: What iPhone podcast application do you use?

Ha, it never even occurred to me to use a non-Apple app for this. They invented podcasts! ;-) Overcast. I didn't understand it either until upgrading from an iPhone 4s to an 8. Whatever they changed in iOS between them, they severely degraded the Apple Podcasts app IMHO. I kept trying to use it for...
by Cunobelinus
Sun Feb 25, 2018 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 28
Views: 3574

Re: Horrible Experience with Ally New Account Opening Process

Despite what the reps might tell you, Ally requires all three reports and ChexSystem unfrozen for an account to be opened without hassle. That's interesting because I opened our accounts last month without any hassles or delays after unfreezing TransUnion and ChexSystem only. Unfortunately, my expe...
by Cunobelinus
Tue Feb 20, 2018 2:14 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 6501

Re: Sams Club vs Costco

My question is, we were given a Costco membership a while ago and there's a Costco not far away from Sams, but is their food selection and produce quality better than Sams to make it worthwhile? We were very impressed with Sammy's. But we haven't shopped at Costco in eons except for the one at Maui...
by Cunobelinus
Tue Feb 20, 2018 2:08 am
Forum: Personal Consumer Issues
Topic: Do you use an app locker on your phone?
Replies: 4
Views: 733

Re: Do you use an app locker on your phone?

I don’t do anything related to finances on my phone. I’ve never heard of an app locker. What does it do? The app locker will not let you open up an app without a passcode or fingerprint. It's basically another layer of security. Since mobile phones can easily get into the wrong hands, it makes sens...
by Cunobelinus
Mon Feb 12, 2018 12:37 am
Forum: Personal Consumer Issues
Topic: Night Vision Glasses
Replies: 16
Views: 2048

Re: Night Vision Glasses

When I commuted via motorcycle/bicycle and expected a nighttime ride, I'd make sure I had yellow lenses. Nothing fancy, mind you: the fancy ones I'd use for cycling would break in my motorcycle helmet, so I'd just get the $10 yellow lenses and keep them in my motorcycle jacket. Riding with yellow le...
by Cunobelinus
Wed Jan 24, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 63203

Re: What's your one big takeaway from the Crash of 2008?

4. Buying when things are tanking is hard to do. I didn’t sell, but I didn’t buy either. Once things started Going back up, I periodically rebalanced back to the more conservative and age appropriate AA. As a corollary to this point, automatic investment and a head-in-the-sand mentality can make fo...
by Cunobelinus
Wed Jan 24, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 57
Views: 6318

Re: Are Roomba's effective?

We've had one over four years now. There is a small learning curve -- it will run over whatever is left on the ground. If you're not going to pick up things off of the ground before running the Roomba, then it's probably not for you. This includes, but is not limited to, clothing, legos, phones, dog...
by Cunobelinus
Tue Jan 23, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Couple questions on ChexSystems
Replies: 5
Views: 634

Re: Couple questions on ChexSystems

I never received a PIN in the mail. They say they mailed it out months ago. My USPS office often states my address is invalid and randomly returns mail to the sender though, usually in the first few months of the year when we're awaiting tax statements. It's hard to say what the issue is/was. ChexS...
by Cunobelinus
Tue Jan 23, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2469

Re: Kauai Travel Tips

Given this advice, from a former local, I'd stay in Princeville or north of Princeville. That is where Kauai becomes jaw droppingly lush and beautiful with endless rainbows, waterfalls, and some fantastic beaches that are a little less crowded than down in Poipu. I had assumed swells were still fre...
by Cunobelinus
Tue Jan 23, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2469

Re: Kauai Travel Tips

Given this advice, from a former local, I'd stay in Princeville or north of Princeville. That is where Kauai becomes jaw droppingly lush and beautiful with endless rainbows, waterfalls, and some fantastic beaches that are a little less crowded than down in Poipu. I had assumed swells were still fre...
by Cunobelinus
Mon Jan 08, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Couple questions on ChexSystems
Replies: 5
Views: 634

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: 998

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: 2608

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: 2608

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: 832

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: 832

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: 7222

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: 7789

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: 9011

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: 7789

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: 7222

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: 17
Views: 1376

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: 1355

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: 6296

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: 2242

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: 388

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: 7789

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: 7789

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: 6088

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: 13039

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: 2139

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: 3584

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: 1535

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: 3584

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: 4764

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: 2082

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: 833

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...