Search found 196 matches

by Cunobelinus
Fri Sep 21, 2018 5:04 am
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 159
Views: 7799

Re: How real is cyber risk?

I think Vanguard would be responsible for that. I said "if you are hacked" and I meant you not Vanguard. I don't think that is the most likely scenario. All the cases I know of involved hacks of individual investors or seemed to involve hacks of individual investors. Never heard of a hack of a brok...
by Cunobelinus
Thu Sep 20, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1188

Re: Home maintenance question - rust beneath caulk in tub

I effected an 80% fix, by my estimation. I couldn't satisfactorily remove all of the rust. I ended up loading up the faucet-side of the tub with waaaaaay more silicone caulk than I thought necessary, and it looks a lot better. I was hoping the volume of caulk would provide a reasonable barrier again...
by Cunobelinus
Thu Sep 20, 2018 5:49 am
Forum: Personal Consumer Issues
Topic: Dental work and hypertension issue
Replies: 40
Views: 2898

Re: Dental work and hypertension issue

Unfortunately, current day dentists trying to 'practice' medicine instead of practicing dentistry is a new phenomenon. I am not impressed when they don't even KNOW how to take an accurate blood pressure reading with a real mercury column sphygmomanometer and don't even know how to select the proper...
by Cunobelinus
Tue Jul 31, 2018 4:47 am
Forum: Investing - Help with Personal Investments
Topic: Greatest Risk for Intrusion/Hacking Etc.
Replies: 8
Views: 966

Re: Greatest Risk for Intrusion/Hacking Etc.

It looks like your heart is in the right place. "Risk" is difficult to try to convey. Backing up your information to an offline source is useful. Verifying it periodically is far more useful than just backing it up and hoping that it'll work when you need it to. This helps to mitigate the risk of be...
by Cunobelinus
Tue Jul 31, 2018 4:25 am
Forum: Personal Finance (Not Investing)
Topic: Transunion Credit Lock or Freeze? Credit Report Hell!
Replies: 9
Views: 1199

Re: Transunion Credit Lock or Freeze? Credit Report Hell!

As others have stated, the downside to a lock is that it's subject to ever-changing terms and conditions from each organizations, while a freeze is a state-legislated item. A lock is a responsive product that the industry has created, rather than a freeze which is (nowadays) a proactive product. The...
by Cunobelinus
Thu Jul 19, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1188

Re: Home maintenance question - rust beneath caulk in tub

Once the tub starts rusting like this, you can only scrape and clean and dry it to best effect. Rust treatments last a little longer but risk staining the tub. Rust converters get a lot of good press in this situation, but the tolerances between the tub and the wall are fairly small. I don't know t...
by Cunobelinus
Thu Jul 19, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1188

Re: Home maintenance question - rust beneath caulk in tub

Yeah, Kailua here. I attempted a recaulk a while ago, but the before the caulk was dry, it was already turning rust-colored. I do wonder if I tried a latex caulk then. The one I got for this job is silicone though, for sure. We have central AC, which I thought may actually exacerbate the issue: the ...
by Cunobelinus
Thu Jul 19, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1188

Re: Home maintenance question - rust beneath caulk in tub

Sure, Amazon would be easy; however, Amazon doesn't ship a lot of stuff to Hawaii. Something or other about shipping costs or that we haven't been a state long enough.. This is one of the many items that does not ship to Hawaii. Two-day shipping also can take up to two-weeks, if it's even offered.. ...
by Cunobelinus
Thu Jul 19, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1188

Re: Home maintenance question - rust beneath caulk in tub

I just looked into Ospho, but I can't seem to find it anywhere. Neither Home Depot nor Lowes carries it. Maybe a marine equipment or boating store? Thanks for the feedback. I'm leaning towards using a rust converter. I just have to see if I can put an enamel on top of that. I swear my googling skill...
by Cunobelinus
Thu Jul 19, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Home maintenance question - rust beneath caulk in tub
Replies: 13
Views: 1188

Home maintenance question - rust beneath caulk in tub

Aloha, Our caulk in the shower tub started "rusting." I removed the caulk this morning and found that it's bare metal beneath the caulk, and on the seam on the showerhead/spout side, it's bare metal with a helpful coat of rust. I'm looking for a good way to move forward with this that does not invol...
by Cunobelinus
Tue Jul 17, 2018 12:07 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13511

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Every year or so I give her a State Of Our Investments talk. She mostly doesn't care, but tries to act interested . For a while. Then we watch Netflix. lol.. glad I'm not alone. Once or twice a year, she'll ask a question about finances. I pause to think about how to reply, then inhale, and it's at...
by Cunobelinus
Mon Jul 16, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Travel to Mainland China - Cyber Security
Replies: 27
Views: 2527

Re: Travel to Mainland China - Cyber Security

This thread is ridiculous in multiple ways. What makes the OP so special? Is he the first boglehead Congressmen? Why does the OP think the Chinese government has a particular interest in his personal email account? Then, the responses are equally ridiculous. The Chinese government effectively contr...
by Cunobelinus
Sat Jun 02, 2018 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Have $2.5M at 30, career advice needed
Replies: 49
Views: 5627

Re: Have $2.5M at 30, career advice needed

Sometimes we wonder whether we can achieve FIRE in this area at all due to the high cost of property tax. I would consider reevaluating this statement. Property tax of $30k/year is not the thing that prevents you from retiring early.. while you're living in one of the most expensive areas in the US...
by Cunobelinus
Tue May 22, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Babymoon - Hawaii Recommendations/Expected Costs
Replies: 27
Views: 2039

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: 3818

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: 75
Views: 7267

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: 8697

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: 8697

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: 632

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: 75
Views: 7267

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: 2068

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: 6845
Views: 1495511

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: 2605

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: 10164

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: 767

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: 10981

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: 3727

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: 43
Views: 7618

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: 7150

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: 774

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: 2254

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: 64797

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: 6656

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: 689

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: 2659

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: 2659

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: 689

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: 7
Views: 1295

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: 2875

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: 2875

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: 926

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: 926

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: 7938

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: 8582

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: 9507

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: 8582

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: 7938

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: 1552

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: 1531

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: 6798

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...