Search found 130 matches

by ikowik
Mon Mar 16, 2020 10:31 am
Forum: Personal Consumer Issues
Topic: Are you still going to the gym ...
Replies: 210
Views: 12134

Re: Are you still going to the gym ...

NY, NJ and CT just announced closure of all gyms effective tonight
by ikowik
Fri Feb 21, 2020 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Is it true that TSP no longer provides Q4 statement?
Replies: 5
Views: 375

Re: Is it true that TSP no longer provides Q4 statement?

I find this new practice annoying. I messaged TSP about this and the reply was "....Beginning in 2019, fourth quarter account information will no longer be provided in a separate fourth quarter participant statement. Fourth quarter account information will now be provided on the annual participant s...
by ikowik
Tue Feb 18, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Can we trust wirecutter reviews?
Replies: 41
Views: 4783

Re: Can we trust wirecutter reviews?

Mixed bag for me. Most products worked as described in their review, but they missed on a few. One that stands out was a phone holder for use in cars. Bought the model they recommended, only to find it will not stably support a larger size iPhone model ,would drop down out of my line of vision. The ...
by ikowik
Wed Feb 12, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Expensive ink cartridge for Canon printer
Replies: 21
Views: 880

Re: Expensive ink cartridge for Canon printer

I find this to be typical of inkjet printers- sell the printer at throw-away prices and charge crazy amounts for ink cartridges which are not compatible with other brands. After going through a few of these, I bought a laser printer- Brother. Initial cost is a little more, but not crazy high. The ca...
by ikowik
Wed Feb 12, 2020 11:45 am
Forum: Personal Finance (Not Investing)
Topic: NY Solar Farms- Scam?
Replies: 31
Views: 2630

Re: NY Solar Farms- Scam? Update

So I went through their website (solarfarmsny.com) and also emailed them. Here is what I understand of the process: -I sign up as a member of Solar Farms NY. No fee, but contact info including email needed -Solar Farms NY sends solar energy to the electricity company I use- in this case NYSEG -NYSEG...
by ikowik
Sat Feb 08, 2020 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: NY Solar Farms- Scam?
Replies: 31
Views: 2630

Re: NY Solar Farms- Scam?

Thanks to all who have responded. I will check out this offer and report back if I learn something new.
by ikowik
Fri Feb 07, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: NY Solar Farms- Scam?
Replies: 31
Views: 2630

NY Solar Farms- Scam?

I live in western New York. In the last few months I have received several mailings from Solar Farms NY asking me to join and lower my energy bill. Makes it sound like it is free money- so I smell a rat. Apparently this company is installing solar panel farms on waste land and by joining I get "ener...
by ikowik
Mon Apr 29, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: [Cellphone SIM card hijacking - Security concerns and mitigation techniques]
Replies: 252
Views: 33821

Re: Man’s life savings stolen from hijacked cellphone number

I admit not reading through all posts on this thread, so what I say may have already been posted. One of the ways a scammer is thought to get access to someone's cellphone number (and hence 2FA messages) is by calling the cellphone service provider and claim they have bought a new phone and want to ...
by ikowik
Wed Feb 27, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Designating I Bond beneficiaries on TreasuryDirect.gov
Replies: 8
Views: 1052

Re: Designating I Bond beneficiaries on TreasuryDirect.gov

Huey described the process clearly above. I changed the registration of my I bonds from just my name to My name (SSN) POD Spouse name (SSN). So spouse is beneficiary on my death. But only I can conduct transactions (while I am alive :happy )
by ikowik
Wed Oct 24, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Sweetner for Tea
Replies: 25
Views: 1377

Re: Sweetner for Tea

I am a regular tea drinker. Black (Assam, English breakfast, Nilgiri, Colombian, Nepal) in the morning; green (somewhat expensive Japanese or Chinese) or Darjeeling in the evening and sometimes after dinner. I do not use anything for the green teas, they have enough character to stand on their own a...
by ikowik
Thu Oct 18, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: SocialSecurity.tools updated to include spousal benefits
Replies: 65
Views: 8256

Re: SocialSecurity.tools updated to include spousal benefits

My thanks to Gregable. Great tool, will keep me occupied for a while!
by ikowik
Thu Oct 18, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Morning/Nighttime Stretching Routine
Replies: 11
Views: 1591

Re: Morning/Nighttime Stretching Routine

SurayaNamaskar ("Sun salutation"- google it) in the morning as I wait for tea to brew. Each stretch has ten stages coordinated with breathing in an out. Started with 3 sets, now up to 10, feel much better.
by ikowik
Tue Oct 16, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 34968

Re: How many of you have cut cord?

We cut the cord an year ago, DISH subscribers for 10 years before that. No regular service, it is as we need it. Two Roku devices, ethernet connection to broadband. Wife gets plenty to watch free on YouTube- fitness, movies, yoga etc. I get YouTube TV on a month-by-month basis for sports. Local and ...
by ikowik
Mon Oct 08, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4822

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

I just tried and got an error saying they couldn't unfreeze mine online. Then just for the heck of it I decided to pretend I forgot I had a freeze, and filled out the form to set one, and it told me I already have one, and showed me the previous PIN. That is not good!! Defeats the whole purpose of ...
by ikowik
Mon Oct 08, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4822

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

https://www.nerdwallet.com/blog/finance/security-flaw-at-experian-allows-easy-access-to-pin-to-unlock-credit-freeze/ Any ideas for remedies if one has had one's Experian frozen? According to USPIRG, https://uspirg.org/news/usp/you-should-change-your-experian-credit-freeze-pin , you should spend 30-...
by ikowik
Sat Oct 06, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Thoughts on Meditation & Subconscious Mind
Replies: 10
Views: 1264

Re: Thoughts on Meditation & Subconscious Mind

A friend has been sending me self-improvement books that focus on meditation and the subconscious mind. Here are some of the books: Life and Teaching of the Masters of the Far East , by Baird T. Spalding How to Know God: The Yoga Aphorisms of Patanjali Power vs. Force , by David R. Hawkins You Are ...
by ikowik
Sat Oct 06, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Anyone tried basil tea?
Replies: 24
Views: 1835

Re: Anyone tried basil tea?

You are right, even the sweet basil we grow will not tolerate a hard frost or a freeze. I meant that the Holy basil plant is even less tolerant of cold temperatures, it will wilt and die when it gets below mid 40sF, but sweet basil will get by until a hard frost in my yard. Sweet basil is a variety ...
by ikowik
Fri Oct 05, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Anyone tried basil tea?
Replies: 24
Views: 1835

Re: Anyone tried basil tea?

We like Basil tea. I should say my wife likes it, I am OK with it. But that is not with common garden variety basil we grow and use for pesto sauce, but with Holy basil (Ocimum sanctum, Tulsi). It is a tropical plant which does not tolerate frost or freeze. Best bought as Tulsi tea in specialty tea ...
by ikowik
Sun May 06, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 2039

Re: Tea supplier comparison

I second the recommendation for Upton Tea. Quality of loose leaf tea is much better than what one can get from even the best teabags- I have tried. Of course, once you start down that road, there is temptation to be serious, and end up buying infusers ( a good quality one is essential for loose leaf...
by ikowik
Thu Apr 12, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Introduction to Treasury Inflation Protected Securities (TIPS)
Replies: 53
Views: 8704

Re: Introduction to Treasury Inflation Protected Securities (TIPS)

I am the author of the TIPS presentation. Finally, I never intended the presentation to end up here. I agreed to let Siamond post it here after the fact. I can tell you unequivocally that our goal was to educate people, not offend them. Would I do another Metro-Boston presentation? Yes. Would I all...
by ikowik
Sat Mar 17, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 5464

Re: What is your favorite reasonably priced Rum?

I agree, I find Brugal Anejo very smooth and good for sipping. Deceptive because it is so smooth, I find out next morning! As others have said before, Flor de Cana is a good one to look for. I had a bottle of "English Harbor" a while ago. Nice, with tropical (banana) overtones. Can't remember more a...
by ikowik
Tue Feb 27, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 3146

Re: Deer Garden Damage Prevention

likegarden wrote:
Tue Feb 27, 2018 7:23 pm
Years ago in the Garden Web Hosta Forum a lady posted that she makes a good pot of strong coffee, lets her husband drink it and at night sends him out to mark their territory.
Number 1 or Number 2?
by ikowik
Mon Feb 26, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Mail diversion- one more reason to freeze credit
Replies: 10
Views: 1465

Re: Mail diversion- one more reason to freeze credit

Yeah this is bizarre. How do you not realize you aren’t getting mail? Getting the daily mail Usps email notification would presumably help you notice this. Thinking it over, it is not that farfetched. Let us see: 1. Someone with a good credit score, has signed up for utility bills to be delivered e...
by ikowik
Sat Feb 24, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 3146

Re: Deer Garden Damage Prevention

What deer repellent spray are you using now? We have had problems last few years, and would like to start early this year
by ikowik
Sat Feb 24, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Mail diversion- one more reason to freeze credit
Replies: 10
Views: 1465

Mail diversion- one more reason to freeze credit

This is one I am hearing for the first time. Diverting letters that arrive by US mail to a different address, and then opening new credit cards in the victim's name. By the time the victim realizes, the damage has been well done. One more reason to freeze credit, and getting whatever you can electro...
by ikowik
Sat Feb 17, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 4870

Re: Is there a way to send text messages on my computer?

iMessages can send messages to other Macs and iPhones. This does mean staying within the Apple system and signing with an AppleID
by ikowik
Tue Feb 06, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2948

Re: TrueCrypt Alternative

I'm running FV2 on a 2010 vintage MBPro and a 2010 vintage Mac Mini, both running Sierra, no noticeable impact. I can't speak to CCC since I use SuperDuper! for my backups. With SuperDuper!, I use FV to encrypt an external drive and then just back up to it normally with SD's Smart Update feature. D...
by ikowik
Tue Feb 06, 2018 7:27 pm
Forum: Personal Investments
Topic: Equanimity is what it's all about.
Replies: 22
Views: 2114

Re: Equanimity is what it's all about.

You mean I could have skipped all the meditation, climbing the mountain in Tibet, years of monastic life, vows of celibacy/silence/poverty/ etc? :oops: I'm actually a practitioner of meditation. I usually experience samadhi on a daily basis. Impressive! And here I have been trying for years to no a...
by ikowik
Tue Feb 06, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2948

Re: TrueCrypt Alternative

Thanks for the recommendations. I'll either go with FileVault or VeraCrypt. With FileVault, can I encrypt and password protect only certain folders? No. FileVault is full disk encryption. The overhead on it is so low that unless you are running serious scientific or videographic number crunching, y...
by ikowik
Sun Feb 04, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Premier 5-year subscription $0 (free) on quicken website
Replies: 161
Views: 18896

Re: Quicken Premier 5-year subscription $0 (free) on quicken website

https://www.quicken.com/personal-finance/quicken-premier Yes, it's probably a price mistake. Yes, the person in charge of pricing probably will get fired. And yes, we know you don't trust the cloud. But for the rest of us, a nearly $60 or $70 annual purchase for five years at the price of $0 (free)...
by ikowik
Mon Jan 01, 2018 8:00 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 10498

Re: Individual Stocks That Went Bust

HenrySouthernCal wrote:
Sat Dec 30, 2017 3:34 pm
Here are just some additional big names (countless small names in 2000-2008 period):
Country Wide Financial
Lucent Technology
Nortel
I remember the last two. Dogs!! But they were the ones that convinced me to turn away
from individual stocks and become an index investor. Good dogs!
by ikowik
Sun Nov 12, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Personal database software for Mac
Replies: 5
Views: 903

Re: Personal database software for Mac

Thanks for the replies. I am testing Tapforms, so far OK. Appears to be quite functional, but not elegant as Bento.
by ikowik
Sat Nov 11, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 142
Views: 16436

Re: Do you meditate?

Any suggestions for starting out. I could use some calm in my life. A bit more serenity. Look for a nearby society or organization of people interested- something like Mindfulness or Buddhist practices. Be careful though, there are organizations that teach specialized forms or sects. Best to start ...
by ikowik
Sat Nov 11, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Personal database software for Mac
Replies: 5
Views: 903

Personal database software for Mac

I have been a long-time user of Bento database on Mac, and have been able to continue with it up to now on Sierra OS despite discontinuation of support and development of Bento a while ago. Anticipating that future OS versions will make it increasingly difficult to continue with this, looking for al...
by ikowik
Sun Oct 29, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: Consumer Cellular and Security code
Replies: 2
Views: 428

Re: Consumer Cellular and Security code

The security code is for a single account and applies to all phones listed on that account.
by ikowik
Sun Oct 29, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Consumer Cellular and Security code
Replies: 2
Views: 428

Consumer Cellular and Security code

Many on this forum use Consumer Cellular as their cellphone carrier. Wanted to pass along an issue and solution. After the recent data breaches, there has been much discussion and a few newspaper reports of fraud being committed by transferring (porting) a victim's cellphone number. Once successful,...
by ikowik
Tue Oct 03, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 76959

Re: Identity theft

The puzzling part is how the thief knew about the IRA account. The Equifax breach, for example, could have revealed the name, date of birth, SSN etc' of OP's father. But not the IRA account and the security questions. So there must have been access to financial information on a computer that OP's fa...
by ikowik
Fri Sep 08, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 75305

Re: Equifax customer information leak

My credit reports have been frozen for a while. This morning I tried to see if I was affected at Equifax by clicking on the link at their website. Brought me to a page asking for name and SSN; Mozilla Firefox brought up a warning that this site might be fraudulent!! Phishing attack??!! I just closed...
by ikowik
Wed Sep 06, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 61
Views: 9813

Re: "Moshe Milevsky on Tontines"

This thread reminded me of the story "The Wrong Box" by R L Stevenson, about two brothers who are the last surviving members of a tontine. Gives you some idea why these schemes fell out of favor!
by ikowik
Sun Sep 03, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: If I died today, what would my spouse do?
Replies: 69
Views: 16080

Re: If I died today, what would my spouse do?

Have not gone through all the posts in detail, so what I say might have already been posted. I have a large envelope right by the side of the computer in the office room marked "Start Here". It has typed directions on how to access further files on the desktop computer (encrypted), immediate steps o...
by ikowik
Wed Aug 16, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 220
Views: 24873

Re: Postal Service -- "informed delivery"

Does the service require a photo ID to verify identity and address before signing up? When I signed up online for the "my usps" account which seems to be required, I was presented with four nexus (?) type questions similar to those to identify yourself to receive your credit reports online. Same ex...
by ikowik
Wed Aug 16, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Paying directly for damage caused to someone else's car
Replies: 17
Views: 1935

Re: Paying directly for damage caused to someone else's car

This is not about your question, but that is good behavior on your daughter's part to accept responsibility and leave a note. Many would try to get away hoping no one noticed. My car was recently scraped badly by someone in the parking lot and he just left; fortunately someone saw the incident and r...
by ikowik
Mon Aug 14, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance policy on toddler
Replies: 19
Views: 2737

Re: Life insurance policy on toddler

My sister and brother-in-law, bought a life insurance policy on their now 3 yo approx 2 years ago. They admittedly don't have a lot of interest in personal finance and investing and asked that I look into the policy after I raised some skepticism. They are not and cannot contribute to a Roth due to...
by ikowik
Fri Aug 11, 2017 7:20 pm
Forum: Personal Investments
Topic: Stable Value Funds vs Bond Funds
Replies: 33
Views: 6138

Re: Stable Value Funds vs Bond Funds

student wrote:I don't know enough to give advice but I can tell you that my fixed income allocation consists essentially all stable value fund, namely, TIAA Traditional.
I treat TIAA Traditional as Stable Value as well though with some withdrawal restrictions, and add the G fund in TSP to the mix.
by ikowik
Mon Jul 31, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 4020

Re: Filling bookshelves cheaply

This thread reminds me of the book The Mystic Masseur by V.S. Naipaul. The main character buys books by the pound with no discrimination on content or title
by ikowik
Sat Jul 01, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 9755

Re: Should I move abroad to minimize health care costs?

Five years ago the thought of moving back to a developing-third world- whatever country would have been dismissed instantly. But now we are in our 60s, and itching to retire, that is looking good.
What a sad state of affairs in the healthcare area of USA!
by ikowik
Thu Jun 29, 2017 1:39 pm
Forum: Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 124
Views: 21166

Re: Changes to NYS Deferred Compensation Plan

Information on all fund changes came in mail a few weeks ago, but thanks to this thread I already knew most of it :beer It is likely not rational, but lack of ticker symbols for the CITs makes me a little anxious. Anyway, much of my investment was already in Vanguard Wellington which is staying. I t...
by ikowik
Thu Jun 29, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: How did you handle the costs of your child's wedding?
Replies: 170
Views: 20490

Re: How did you handle the costs of your child's wedding?

We paid- for my daughter's wedding and education. We set a budget, told my daughter and son-in-law they could use it all for the wedding or leave some for honeymoon and other expenses. My daughter's in-laws pitched in for 20% of the total budget, that was an unexpected bonus, we did not pass that on...