Search found 170 matches

by lotusflower
Tue Sep 18, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Dark Web Article
Replies: 28
Views: 3630

Re: Dark Web Article

Bottom line is that there are lots of risks, but having passwords "out there" in professionally managed encrypted cloud storage of some kind is not the most important risk to worry about. It's an illusion to think that the privacy of your own home and your internet-connected computer/browser setup i...
by lotusflower
Mon Sep 17, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Employer won't Match 401k. Why?
Replies: 52
Views: 5325

Re: Employer won't Match 401k. Why?

i have tried for years to get my employer to pay me less in salary if they'll do matching. or to take their "match" out of my year end bonus. i would get less in my paycheck but it's a wash as the difference would show up in my employer's 401k contributions. my arguments have fallen on deaf, non-bo...
by lotusflower
Mon Sep 17, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Dark Web Article
Replies: 28
Views: 3630

Re: Dark Web Article

I do the first 2 above but use Google to keep most of my passwords, those of low security. I also keep an encrypted spreadsheet in case there are problems. The few which are critical are for financial sites (bank, investments, etc.) and each has a unique strong password and Google does not keep tho...
by lotusflower
Sun Sep 16, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3584

Re: Using Lastpass as your password manager

I think what you are suggesting re password management is impractical, at the moment, for the average user. I can see limiting oneself to a local password manager like KeePass to avoid having anything in the cloud. But I doubt most people can implement your idea, at least right now. I would love it...
by lotusflower
Sun Sep 16, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Dark Web Article
Replies: 28
Views: 3630

Re: Dark Web Article

I still have trouble accepting that number 3 is the best way to go. Makes me nervous to have all of my passwords "out there" - and in one place, even if in encrypted form. I am open to being convinced, though. :wink: The math works. That is, modern encryption is secure when done correctly. If you p...
by lotusflower
Fri Sep 14, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Selling Internet domain name based on family last name.
Replies: 29
Views: 2626

Re: Received inquiry about purchasing domain name based on my own last name. How to respond?

Domain names, especially .Com's, are a scare resource. Price accordingly. I wouldn't sell any of my domains below 5 figures. If you use n letters there are 26^n of them, which is a big number even if n=5. I suppose there is some limit on the number of characters, so probably the number of .com doma...
by lotusflower
Thu Sep 13, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: How to help teenager fix silly mistakes in math?
Replies: 50
Views: 3123

Re: How to help teenager fix silly mistakes in math?

Here's what I tell my kids: Nobody likes to proofread their own writing or their own math, but you have to put your big kid pants on and do it. Also if you want to do music (or any skill-based activity) it more effective to go slowly and get rid of mistakes and then speed up after you have control, ...
by lotusflower
Sun Sep 09, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Using Lastpass as your password manager
Replies: 34
Views: 3584

Re: Using Lastpass as your password manager

In my opinion, a key logger, other malware on your machine or being subject to a successful phishing attack would be the bigger danger. Some of which would make you vulnerable even if you used a non web based password manager such as Keepass (using a password manager is pretty much a necessity as i...
by lotusflower
Mon Aug 27, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1954

Re: Home Security Box for Papers

Security is a trade off between convenience and security. I trust the level of security in the encryption of the containers with Veracrypt, given the encryption takes place offline on my machine (I even hardened the encryption during the containers creation). I also don't think I'm an important eno...
by lotusflower
Mon Aug 27, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3431

Re: Best ultra thin pocket knife?

I have carried a Spyderco Cricket for many years. It's not for everyone, but I love it, very small and slim. Not great for cutting fruit, but great for everything else. I just misplaced it last week and I'm really hoping it turns up.
by lotusflower
Sun Aug 26, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Home Security Box for Papers
Replies: 23
Views: 1954

Re: Home Security Box for Papers

Everything is digitized, stored in the cloud behind Veracrypt containers, with originals in the safe deposit box. Never had an issue. I've never been able to get comfortable with the idea of having personal, sensitive information outside of my complete control e.g in Dropbox or iCloud, even if it i...
by lotusflower
Sun Aug 26, 2018 12:34 am
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9493

Re: What is your stealth way to save monthly?

Payroll direct deposit. Most modern payrolls will allow you to split your deposit into several banks. Opening a CapitalOne360 Savings account and having money sent there directly made a huge difference in my ability to save.
by lotusflower
Fri Aug 24, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 1017

Re: Best way to get Skype or Facetime on a TV?

Similar to the others, we use the TV as a second monitor, but don't bother to set it all up except for holidays. It helps to get a cheap webcam and hang it on the TV, something like https://www.amazon.com/Logitech-960-000585-HD-Webcam-C310/dp/B003LVZO8S You can get very inexpensive USB and HDMI exte...
by lotusflower
Wed Jul 11, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1619

Re: Emergency fund checkup

However, not saving for known costs of, albeit, mostly unknown magnitude does not strike me prudent. Prudence is having an emergency fund. Congrats, you've exceeded the standard recommendation of 6 months. As others pointed out nobody saves money for home selling costs, it just comes out of the hom...
by lotusflower
Wed Jul 11, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1619

Re: Emergency fund checkup

Most people don't consider those expenses as "emergency" expenses. Most emergencies are hard to predict — will you be hit by a car and injured, or have flood damage to your house, or lose your job? So to handle these low-probability risks you set aside a big lump of money for them, and then move on ...
by lotusflower
Sat Jul 07, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2519

Re: E- Billing & Autopay

Make everything paperless. If you overlook or forget things, automatic payment is by far the best way to go; it' set and forget. In fact, for seniors, it's even more important to set things up like this to avoid oversights or inability to keep up with things. +1 Autopay really is the best thing sin...
by lotusflower
Sat Jul 07, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Checkbook balancing software?
Replies: 31
Views: 1886

Re: Checkbook balancing software?

There is a free software package called "GnuCash" which is a basic accounting package similar to Quicken and so it would include a check register and statement reconciliation feature. Gnucash can do data imports from your bank and there is a very active mailing list if you need tech support. I used ...
by lotusflower
Sat Jun 30, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4175

Re: hybrid or plug-in electric car

How much "maintenance" is required for the ICE part of a plug in prius or ioniq? Let's not pretend like these things are breaking all the time or require anything more than minimum maintenance. A heck of a lot less than say a Tesla for instance. Order of magnitude less. Order of magnitude less??? T...
by lotusflower
Sat Jun 30, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4175

Re: hybrid or plug-in electric car

I think it should be required that anyone suggesting EV car and loves theirs disclose how many cars they own and if all of them are EV. Whatever. The number of cars I own isn't really relevant. The math is simple. If you have an EV, it has 80-100 mile range. If you drive that much every day, it's p...
by lotusflower
Sat Jun 30, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4175

Re: hybrid or plug-in electric car

Note the 2017 reference below my sentence that you quote. Looks like it's now 8 years or so? Surely doesn't look like the 20 yrs the OP is hoping for. Perhaps you could add something to provide accurate information? That is the warranty period. Doesn’t mean all batteries stop functioning the day af...
by lotusflower
Sat Jun 30, 2018 1:17 am
Forum: Personal Consumer Issues
Topic: glass cancer?( watermark etching)
Replies: 24
Views: 2795

Re: glass cancer?( watermark etching)

If you already used 600 grit sandpaper, I think you are done. Normally that's the first step in a polishing process using finer and finer abrasives (polishing compounds) but for glass you have to do the whole surface with a machine to get something that is even enough to look good. Even then, I'm no...
by lotusflower
Sat Jun 30, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 70
Views: 4175

Re: hybrid or plug-in electric car

One of the awesome things about pure EV Is maintenance. A gasoline engine is a marvel of engineering but it takes a lot of maintenance to keep it happy. Electric motors are dead simple and pretty much maintenance-free. Getting a hybrid means signing on for all the maintenance headaches of a regular ...
by lotusflower
Wed Jun 27, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15351

Re: How much (green) cash at home for emergency ?

I'm no prepper but it amazes me that so many BHers are all about the emergency fund and planning for the 'worst' in the markets, but are so blasé about any hiccups in the electrical or financial grids, either of which would go a lot more smoothly with a bit o' cash. Jugs of drinking water, a water ...
by lotusflower
Wed Jun 27, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15351

Re: How much (green) cash at home for emergency ?

I don't plan for apocalyptic scenarios. I'm no prepper but it amazes me that so many BHers are all about the emergency fund and planning for the 'worst' in the markets, but are so blasé about any hiccups in the electrical or financial grids, either of which would go a lot more smoothly with a bit o...
by lotusflower
Wed Jun 27, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15351

Re: How much (green) cash at home for emergency ?

Personally we keep $400 - 500 at home for emergencies but draw from it for kid's birthday money, Craigslist purchases, etc and then replenish it next time we are near an ATM. We do something like this. There are 2 stashes, $500 each. One is used to avoid frequent trips to the ATM. The money is used...
by lotusflower
Mon Jun 18, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 2853

Re: Would you pay off mortgage in my situation?

Personally not a fan of paying off cheap mortgages since it's hard to appreciate the value of liquidity until you need it but don't have it. 20k sounds like a pretty small emergency fund for two people, so it seems unduly risky to pay off the whole thing until you have more cash around.
by lotusflower
Sun Jun 10, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3763

Re: The effect of a difficult last name on employment prospects...

AlphaLess wrote:
Sun Jun 10, 2018 6:40 pm
Some last names have a really cool sound to them:

- oil: Chevron, Exxon,
Wat?
by lotusflower
Sat Jun 09, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: ignorant question about fixed rate home equity loans
Replies: 18
Views: 1349

Re: ignorant question about fixed rate home equity loans

I do use Schedule A and last year it totaled about $26,000 with a bit over $10K in taxes as part of it, so if I can put this additional interest on it, that would be good. I am going to write the IRS a letter and see if the project qualifies. That gives them lots of months to answer. I'm not a tax ...
by lotusflower
Sun Jun 03, 2018 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: “Financing” 2nd home purchase
Replies: 13
Views: 1201

Re: “Financing” 2nd home purchase

What about a HELOC on your paid off primary home? Should be able to get a similar interest rate as the conventional mortgage, with much more flexibility in paying it off.
by lotusflower
Thu May 31, 2018 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Investing an Emergency Fund
Replies: 30
Views: 2942

Re: Investing an Emergency Fund

I started thinking.. just what kind of emergency am I being prepared for? A major car repair goes on a card. I have 45-60 days to figure it out. An unexpected root canal? Care Credit, 0 percent interest. Lose my job? well in my case I'd get nice severance. Hail storm ruins my roof? I have insurance...
by lotusflower
Wed May 30, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Company going public - exercise ISOs?
Replies: 5
Views: 736

Re: Company going public - exercise ISOs?

My company just recently announced an IPO merger that will have us going public near the end of the year w/ a 1-yr lockout afterwards (no acceleration right now). I have vested ISOs (#s below) that I always figured I’d just exercise on an exit event ... I don't understand. If your company is not pu...
by lotusflower
Wed May 30, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9651

Re: Router hack, have you acted?

We turn ours off every night before going to bed. Hopefully, that provides us with some protection... Why would folks leave it on if you are sleeping? Because it's just to much trouble to remmeber to turn a router on and off several times a day, life's too short for that. Plus, what's different dur...
by lotusflower
Wed May 30, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9651

Re: Router hack, have you acted?

It is good to run this check to see if your equipment is exposed to hackers: https://www.grc.com/x/ne.dll?bh0bkyd2 That's a reasonable test, but it only shows whether you are visible to inbound connections. If the malware can be received during an outbound connection, like if you were shown a web p...
by lotusflower
Wed May 30, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9651

Re: Router hack, have you acted?

Does just turning it off and then back on "do the trick"? It seems like that will help. An article I read stated that the feds had taken over a known rogue server, and by rebooting infected router they will receive a connection from it which will help them https://www.cnet.com/news/the-fbi-wants-yo...
by lotusflower
Wed May 23, 2018 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 12769

Re: Chase Savings Account emptied out!

I was about to start a thread on this as I added a new payment account to my credit card. The payment account just needed a routing number and acct number, which I know are printed on paper checks. So I was wondering how they prevent fraud. Sure they could verify account names, in my case they would...
by lotusflower
Mon May 21, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13042

Re: done with Gmail

I create a pass phrase for my Gmail account that I remember in my head, like "I like to post on Bogleheads" becomes "iltpob" and then I usually add some combination of numbers or special characters that has some significance to me and only I know, and that is my password. The result is a password t...
by lotusflower
Mon May 21, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13042

Re: done with Gmail

Doesn't that create potential portability problem if you move or want to change ISPs? Yes, the OP would be smart to get a custom domain (is rob5tcp.net still available?) when setting up the new service. Then the address will be portable between service providers forever. I wish I had done that befo...
by lotusflower
Mon May 21, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13042

Re: done with Gmail

Don't know if this could be the OP's issue or not, but when I first started using Keepass several years ago, I would sometimes forget to click "Save" when I made password or other changes. On the bright side it didn't take long for me to remember to save changes after a few aggravating incidents. T...
by lotusflower
Mon May 21, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13042

Re: done with Gmail

This is a KeePass issue. Not sure why you're blaming Gmail. No, it sounds like a Windows issue. The way I read it, OP generated a new password, used it for Gmail, and then Windows crashed before he saved Keepass so the new password is no longer known. This is not Gmail's fault at all, but OP doesn'...
by lotusflower
Mon May 21, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13042

Re: done with Gmail

If you want to be ultra-safe with Keepass, you can always cut and paste the old password into the Notes area before generating a new password, and then save Keepass with both passwords before changing the password on whatever site you are using (e.g. Gmail). I don't do that for every site but I have...
by lotusflower
Mon May 21, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5839

Re: Finance a $28,000 house for Brother?

Whatever you do, please do *not* co-sign for anyone's loans - you will be left holding the bag. I don't care if it's your brother or your buddy who saved you over Macho Grande. Give a gift of money (not a loan, as you're not expecting to be paid back), but don't co-sign a loan. Just curious, is the...
by lotusflower
Sat May 19, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5839

Re: Finance a $28,000 house for Brother?

Do you have enough money to buy the house and rent/mortgage it back to him? I agree it's overall risky, I would do that for my brother if I could. There are other threads here about holding mortgages, but basically you want to record the deed and do it at near market rates so you can get all the nor...
by lotusflower
Thu May 17, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3278

Re: Urgent: escrow situation in bay area

I think you would be crazy to get out of the purchase contract and risk your $36k earnest money plus time spent on the hassle of fighting it out. The risk of a 20% loss does not seem like a large risk, and as long as you can make the payments (realizing that can be a big if) it doesn't matter if the...
by lotusflower
Wed May 16, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 2056

Re: Why can't you rollover a retirement account into another one that you no longer work at?

I guess I just don't know the difference between an IRA and a regular retirement account (like a 401K or 403B). And what it means to transfer one into a IRA account and if you can later transfer that IRA account into a 401k or 403b if you want to down the road. 401k and 403b are sponsored/managed b...
by lotusflower
Wed May 16, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 5472

Re: New motorcycle rider

I've had a bike for the last 29 years in NorCal, though I don't ride as much now, due to busy family life. I personally think the risk is tolerable if you take it seriously and are hyper-vigilant while riding. Freeway riding doesn't worry me much, and I've always assumed all caged drivers are distra...
by lotusflower
Wed Apr 18, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to e file extension and direct pay today
Replies: 5
Views: 382

Re: Unable to e file extension and direct pay today

You could just pay at https://www.irs.gov/payments/direct-pay which gives you an automatic 4868 filing and enter that into your tax software separately.
by lotusflower
Mon Apr 16, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Help with CD ladder strategy for emergency fund
Replies: 36
Views: 3270

Re: Help with CD ladder strategy for emergency fund

I'm interested in the same kind of thing. But I've never understood why people want to put EF money in multi-year CDs. I want the money to be able to flow out over a 6-month period to meet living expenses, so from that perspective the ideal would be a ladder of 6 6-month CDs. Unfortunately the rates...
by lotusflower
Fri Apr 13, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 2928

Re: "How Much International Stock? A Suggestion"

Here are the top 10 holdings of the Vanguard European Stock Index Fund. ... 3 HSBC Holdings plc ... 3 are Swiss. From a GNP perspective does that sound right? 3 are quasi-American, with over 40% revenue and shareholders coming from the US. There is 1 Hong Kong company. The UK is hitting above its w...
by lotusflower
Fri Apr 13, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Aren't we betting a bit too heavily on US stocks and bonds?
Replies: 34
Views: 2928

Re: "How Much International Stock? A Suggestion"

Here are the top 10 holdings of the Vanguard European Stock Index Fund. ... 3 HSBC Holdings plc ... 3 are Swiss. From a GNP perspective does that sound right? 3 are quasi-American, with over 40% revenue and shareholders coming from the US. There is 1 Hong Kong company. The UK is hitting above its w...
by lotusflower
Fri Apr 13, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Mid-40s in tech - how to pass off as acceptably young
Replies: 111
Views: 11650

Re: Mid-40s in tech - how to pass off as acceptably young

A lot of good stuff in this thread but also a lot of people who don't understand how age bias works. Most of the time it's not a matter of "Gee John Q. Eighties really knows his stuff but no one over 50 is worth hiring. And frankly, graying temples just give me the creeps". That's just not what we'r...