Search found 135 matches

by Xpe
Sun Mar 10, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: Questions about drones
Replies: 15
Views: 1442

Re: Questions about drones

the main problem with drones is that they're banned from all the cool places to fly. you cant use them in national parks etc, so you have to work hard to find cool places to fly them. my mother-in-law got me one last year, dji spark. i've flown it a number of times, but we have a small child and ano...
by Xpe
Mon Oct 16, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Buying 2nd House - Affordability Check
Replies: 17
Views: 2605

Re: Buying 2nd House - Affordability Check

delamer wrote:
Sun Oct 15, 2017 4:18 pm
Call a couple day care providers in your area and find out what they charge for an infant. That'll be an eye opener, I imagine.
I don't think you can buy infants from daycare providers, at least I hope not, my son is at one right now!
by Xpe
Mon Oct 16, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Liability of phone conversations while my client is driving (and I am not in the car)?
Replies: 64
Views: 5719

Re: Liability of phone conversations while my client is driving (and I am not in the car)?

I think most people here have been of the view that you would not be liable. One thing you could do is just, every time you find out they're driving, just say 'i would prefer to talk to you at another time when youre not driving, is that ok?' and if they say no lets talk now, then you're off the hoo...
by Xpe
Mon Oct 09, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 2587

Re: what if I forget my security questions?

You would benefit from buying an encrypted password vault that runs across your multiple devices (PC, iPhone, etc). You can then record your answers for each account because you WILL forget the answers if they aren't real. I use one called mSecure and it creates highly complex passwords that I coul...
by Xpe
Tue Oct 03, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Can someone clear up my confusion with unfreezing credit to check my credit score?
Replies: 4
Views: 840

Re: Can someone clear up my confusion with unfreezing credit to check my credit score?

You can get your score + report for free even if your report is frozen. I work for a company that offers this service, feel free to PM me if you want my biased recommendation of which service to use :D. That being said, if you just want to see your score and report, there are several good options.
by Xpe
Fri Sep 29, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 36202

Re: Iphone X is $1000

so much rationalization in this thread
by Xpe
Mon Sep 18, 2017 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices - 2FA - SMS and Phone Type?
Replies: 7
Views: 731

Re: Best Practices - 2FA - SMS and Phone Type?

Telco's generally require PINs when you call in, but what if you forget or lose it? Will they never allow you access again? They will give you access again if you can give enough identifying info. Post-equifax, a criminal could get enough info to impersonate you and sweet talk a customer service re...
by Xpe
Mon Sep 18, 2017 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best Practices - 2FA - SMS and Phone Type?
Replies: 7
Views: 731

Re: Best Practices - 2FA - SMS and Phone Type?

A couple of questions on security setups with respect to two factor authentication and SMS vs receiving codes via phone: 1) Even if you have to use SMS rather than Google Authenticator, Authy; key; or other methods, etc., IT IS BETTER to have 2FA, then not have it. Correct? Let's say someone ports ...
by Xpe
Sat Sep 16, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 17043

Re: Account security - Hackers gain access to mobile and then break havoc

Segregating email into separate mailboxes so password resets generate email that doesn't go to your phone is one strategy that is helpful. The financial account email needs to go to a secure platform, and you need to check it regularly so you know if there is malicious activity trying to reset the ...
by Xpe
Fri Sep 15, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 17043

Re: Account security - Hackers gain access to mobile and then break havoc

and exactly who bears the responsibility (legally) for the fraudulent breach? Let's assume they can't breach your questions security codes with correct answers. That's the million dollar (literally for many of the people here) question. It's not one I ever want answered for me via first-person expe...
by Xpe
Fri Sep 15, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 17043

Re: Account security - Hackers gain access to mobile and then break havoc

The whole point of this thread is not with login password security. This hack is slightly different. They are using access to phone to break 2 factor authentication and reset password. Walk through how you reset bank password with email or SMS. Now some/most banks use questions like best friend, sc...
by Xpe
Fri Sep 15, 2017 7:36 am
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 17043

Re: Account security - Hackers gain access to mobile and then break havoc

Well OK, I get emails from banks, credit cards, Vanguard and Fidelity to name a few. If they hack my phone, which does not have LastPass on it, and has LastPass restricted to my home computer with a very long strong alpha numeric upper and lower case password, what do they do next? BTW, the phone i...
by Xpe
Fri Sep 08, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8933

Re: Do I need an Amazon Echo??.....

It's nice and a novelty by itself, but if you have anything else that connects it becomes very useful. Some things we use it for by itself: weather, news, cooking timers, music. Some things we use it via integrations: Find my wallet / phone etc. (integrated w trackr and tile) Adjust the temperature ...
by Xpe
Tue Sep 05, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Help! I'm having computer problems using KeePass.
Replies: 11
Views: 1452

Re: Help! I'm having computer problems using KeePass.

You could try something like:
https://sites.google.com/site/pastetextlike/

It has an option to paste by "Mimic Typing" which might avoid the copy/paste block.

I've never tried pastetextlike, it was just the first result when I searched, but it seems like something like this would work.
by Xpe
Fri Aug 18, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 13373

Re: When does renting make sense

If you are comparing the cost of owning vs. the cots of renting then they most certainly are offsetting factors - otherwise you are counting the cost of renting twice. If you are just looking at the 'ROI' of owning in some sort of isolation you can not offset it - but that is just another way of sa...
by Xpe
Fri Aug 18, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 13373

Re: When does renting make sense

He should, but that is offset by the opportunity cost of not renting out the property he owns and instead providing it to himself for free... Those aren't offsetting factors. Whether he rented out the property, or lived in the property himself (thus avoiding having to pay rent on other lodging), th...
by Xpe
Fri Aug 18, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 13373

Re: When does renting make sense

According to Ken Rockwell: After selling my condo of 17 years, sure, I sold it at the top of California's recent real estate bubble for four times what I paid. But wait: unlike a financial investment, I had to pay mortgage interest, taxes, utilities, repairs, homeowner associations and loads of oth...
by Xpe
Fri Aug 18, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 13373

Re: When does renting make sense

Lots of people saying buying does not make sense financially, or that you spend more on housing if you buy vs rent. I think this varies. I'll say that in the Denver suburbs I was able to buy a 5br home in a nice neighborhood for less than it would have cost us to rent a 2-3br apt in the same area, i...
by Xpe
Wed Aug 09, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 4319

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

oh just as an aside since it seems like you might consider the build route - definitely dont cheap out on the power supply or motherboard. and a good case will make your life easier as well. if you live near a micro center, they're a great place to go for your first build. they have knowledgeable st...
by Xpe
Wed Aug 09, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 4319

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

Here's just one example of what I'm talking about with gaming laptops being on par if not outright cheaper than similar-spec'd gaming desktops. LAPTOP (from cyberpowerpc) $999 https://www.cyberpowerpc.com/system/Back-to-School-Tracer-II-15-VR Intel i7-7700 16GB DDR4 RAM GTX 1060 6GB 240GB SSD DESKT...
by Xpe
Wed Aug 09, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 23237

Re: Life at crossroads. What would you do ?

* New tech is anything that has come of age in the last 10 years - think Google, Facebook, Twitter, AirBnB, Uber, Apple, Netflix etc. I still don't understand, are you defining 'new tech' by the name of the company you work for? That seems weird, I would define new tech vs old tech by the actual te...
by Xpe
Sun Jul 09, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 3790

Re: Doing dishes while camping

I've done a lot of car camping and a lot of backcountry camping, and my general advice would be that you should probably just settle for 'good enough' when it comes to getting your dishes clean. In the backcountry (if its also bear country), we don't use soap and we drink the grey water. Plastic dis...
by Xpe
Thu Jun 08, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: Buying a house for the 1st time - what should I look out for?
Replies: 21
Views: 3201

Re: inspections

radon test (this is only one I would consider optional depending on location) The expert advice is to not consider it optional, probably because it is cheap and the location maps are probabilistic. Yeah, we got the radon test. Found elevated levels and got the seller to install a mitigation system....
by Xpe
Fri Jun 02, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 8196

Re: Do I deserve it? [A new car]

Why do we always generalize so on this board? I agree that for this young kid 35k is a stretch. But everyone's needs are different and a middle aged couple with 2-4 kids and strong finances might not be able to squeeze into a 10k sub compact and may actually NEED the space of a 30k midsize car or v...
by Xpe
Thu Jun 01, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Do I deserve it? [A new car]
Replies: 69
Views: 8196

Re: Do I deserve it? [A new car]

Hm... I think it'd be crazy to spend $35k on a new car (in any situation, but especially yours). In 2014 I bought a new-ish mazda3 (2013 model) for 18k - traded in Prius for ~8k worth. It's been a GREAT car, hasn't required any work other than basic maintenance (oil changes etc), and I spent 1/3rd t...
by Xpe
Thu Jun 01, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 15368

Re: Play Money for Spouse....

Married 2 years here, first thing we did in the months leading up to the wedding was consolidate finances - his, hers, ours.

We each get $500 per month transferred into the his/hers account, this gives so much peace of mind for both of us.
by Xpe
Mon May 22, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 6037

Re: Need new Router/Wifi Networking Ideas

i have eero (3 units) and have been very happy. very strong coverage all throughout our 3-level house (furnished basement where my office is). it's also nice when you have company, through the eero app you can open a guest network and text the credentials to your visitor(s), with just a couple clicks.
by Xpe
Sun May 21, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 37
Views: 3725

Re: Auto Insurance Question

Thanks for all the responses. My credit score is ~790 and I'm married. It's honestly just really frustrating that 'miles driven' doesn't seem to have much weight, when to me it seems like for the same customer, driving the same car, in the same area, if you cut your mileage in half, that should rela...
by Xpe
Sat May 20, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 37
Views: 3725

Auto Insurance Question

Saw another car insurance thread, reminded me of my lack of understanding, but I didn't want to derail their thread so thought I'd start a new one. I'd love to hear from someone who understands the auto insurance industry. I feel like I'm missing something, I have a fairly cheap car, got it for $18k...
by Xpe
Wed May 10, 2017 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Can We Afford to Move-In
Replies: 28
Views: 3541

Re: Can We Afford to Move-In

"Am I missing something here? I feel like we out-earn our other friends who are also in their mid to late-twenties, but yet we still have yet to leave our parent's houses due to the fact that we can't sustain our current savings rates if we choose to rent." The simple answer, is that most of your fr...
by Xpe
Wed May 03, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Banking in Marriage
Replies: 66
Views: 6610

Re: Banking in Marriage

We have a joint checking/savings/brokerage, and a joint cc. all common expenses come out of the joint cc/checking. we each also have personal checking/credit card(s)/retirement accounts. each month we get x dollars transferred to our personal checking accounts, which we can spend without judgment :D
by Xpe
Sun Apr 23, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 7747

Re: Six pack for barbecue?

Ok one thing I'll say is that if he was asked to bring a six-pack, he's probably not the only one bringing beer. We do this all the time and half the people bring beer and half the people bring some food items, and normally the host will supply the main food (ie burgers or whatever). Can't go wrong ...
by Xpe
Wed Sep 14, 2016 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Prospective Employer Wants Salary History & Desired Salary
Replies: 265
Views: 26710

Re: Prospective Employer Wants Salary History & Desired Salary

Don't give a salary range. When the time comes, give a single number and give it with confidence. I suggest you start with the high end of your range. Let them come back at you with a counter offer. Playing it a little strong there don't you think? I'm worried that kind of approach will get me laug...
by Xpe
Fri Aug 19, 2016 9:40 am
Forum: Personal Investments
Topic: Borrowing money to invest. Good idea?
Replies: 68
Views: 6887

Re: Borrowing money to invest. Good idea?

has nobody linked the market timer thread?
by Xpe
Tue Jul 19, 2016 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: OK to stay in cash if you have 40-50x annual expenses?
Replies: 61
Views: 7830

Re: OK to stay in cash if you have 40-50x annual expenses?

if you have 50x annual expenses, you could keep 10x annual expenses in cash and 40x annual expenses in TSM and if the market crashes, you can wait 10 full years for it to rebound before having to lock in any losses. or 10x in cash, 10x in bonds, and 30x in TSM. there's just no point i can see in kee...
by Xpe
Tue Jul 19, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 7846

Re: I created dependency, now what?

i thought this was going to be about a pregnancy, i came here hoping for some advice, as my wife and i recently created a dependency as well :D ah well I'll keep lookin'
by Xpe
Wed Jul 13, 2016 12:36 pm
Forum: Personal Investments
Topic: NO bonds in my taxable account, really?
Replies: 38
Views: 8502

Re: NO bonds in my taxable account, really?

I guess I'm just surprised: I always thought the 'growing tax-free-ness' of the IRA's would be HUGE. Without any mathematical justification,I just figured it would have been best to have a high stock allocation in the IRA's . However, this thread helped me put a finger on why I was uncomfortable wi...
by Xpe
Tue Jul 12, 2016 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 41727

Re: Where were you financially when you were at 30?

30 on Thursday. no student loans thanks to generous family. have about 150k in retirement + emergency fund that I saved/earned "myself" (obviously would not be at this level if family had not paid for my education). nice-ish car paid off that was < 20k new. six-figure inheritence that I refuse to to...
by Xpe
Tue Feb 23, 2016 6:52 pm
Forum: Personal Consumer Issues
Topic: Do I need an awesome smartphone?
Replies: 73
Views: 7708

Re: Do I need an awesome smartphone?

Lately I've been relying less and less on my smart phone. Basically just have 3 requirements now: email, gps, calls. I think once the novelty of having a nice smart phone wears off you'll chill out about it. I've been due for an upgrade forever, my screen is cracked, but my email gps and calls still...
by Xpe
Tue Feb 09, 2016 4:03 pm
Forum: Personal Consumer Issues
Topic: Planning a High-Value Wedding Regardless of Cost
Replies: 55
Views: 5543

Re: Planning a High-Value Wedding Regardless of Cost

Hm... trying to think if I have any advice. Spent 30k last year on my wedding. Would have been nice to have spent less, but I wouldn't necessarily say we 'regret' it. I think the important thing is that most people aren't going to care how much you spent or what your wedding looked like, they're the...
by Xpe
Wed Jul 15, 2015 6:15 am
Forum: Personal Finance (Not Investing)
Topic: SS for mother
Replies: 11
Views: 1863

Re: SS for mother

Oh god I hope she wasn't rounding, but it did seem awfully suspicious that the his-now and his-66 numbers were both even hundreds...

Anyways TY all for the responses, they've been really helpful.
by Xpe
Sun Jul 12, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: SS for mother
Replies: 11
Views: 1863

SS for mother

Hey all - So I wanted to to run this past you guys because I think maybe I'm not seeing this clearly. My mother is asking me for advice on how to handle her SS benefits, and I thought I knew the right approach, but then running the numbers I'm not so sure. She is 62 and eligible for her own benefits...
by Xpe
Sun Mar 08, 2015 8:57 am
Forum: Personal Investments
Topic: building up nest egg in retirement
Replies: 12
Views: 1561

Re: building up nest egg in retirement

Doesn't seem any different than building up a nest egg while working. Build up an emergency fund then invest the extra. Retirement accounts won't be an option, so it will have to be taxable accounts.
by Xpe
Sun Mar 01, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 414
Views: 38062

Re: Do you consider mortgage payments as savings?

Your mortgage decreases your net worth, so anything that decreases your mortgage increases your net worth.

Mortgage payments are decreasing your debt, any other debt payment would be considered saving, why not this?
by Xpe
Mon Feb 23, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Arguments for and against FSBO for house?
Replies: 14
Views: 1861

Re: Arguments for and against FSBO for house?

3% of $310,000 = $9,300. This is how much you stand to save. Working together, that is $4650 per spouse. Tell your husband you required $4,650 worth of gifts/spa treatment to pay for the extra work you're doing by going it alone. :happy That's if you still get 310k selling it FSBO. May or may not b...
by Xpe
Tue Feb 17, 2015 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans, Taxes and the Future
Replies: 6
Views: 956

Re: Student Loans, Taxes and the Future

Also keep in mind ten years is a long time, plans change, interests change. Government programs change. My bridetobe is in the program, but were most likely paying off the debt asap - program is very clear that they make no guarantees about it existing ten years from now.
by Xpe
Tue Feb 17, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 5804

Re: When would you retire money no object?

It usually gets flames, so maybe I should shut up, but I find it sad that so many young people want to quit working asap. I wouldn't flame you, but I don't see the rationale. There are a million things I would rather do than work, so given the opportunity I would spend my time doing those instead o...
by Xpe
Tue Feb 17, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 5804

Re: When would you retire money no object?

Tomorrow (28), maybe even today (28).

In reality, I would probably just quit my corporate job and start working as a rafting or climbing guide or something along those lines. I would consider this retirement, though some may argue differently.
by Xpe
Sat Feb 14, 2015 9:28 am
Forum: Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 6027

Re: Day trading and capital gain tax nightmare

Bizarre thread. I expect the fear-based and mocking replies around here, to a topic like this. That's the default. But an actual gambler or day trader is already well aware of the math and the variables, and proceeds accordingly. As long as we're ripping day traders, I'll take a pot shot at one of ...
by Xpe
Thu Feb 12, 2015 5:50 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 11108

Re: I'm not a bad Boglehead

The expected return of a Powerball ticket PEAKS at about -57% (i.e. you can expect 0.43 per dollar) - those darn ties! That expected return calculation is based on the fallacy that the utility of $500M is only 250M times the utility of $2. When in reality, it's less than 250M times the utility of $2.