Search found 74 matches

by Yankuba
Fri Oct 06, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 2706

Re: Paper checks, how safe are they?

Fraudsters won't take the information from a check and steal your identity. They will make counterfeit checks and buy things drawn on your account. Or they will order legit checkbooks with your name, address, routing number and account number. The USA is the last modern nation to use checks. Here is...
by Yankuba
Tue Oct 03, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 68451

Re: Identity theft

Vanguard now lets you do a voice verification thing - you say a sentence three times and they record you. If someone calls up pretending to be you they can't pass the voice verification.
by Yankuba
Tue Oct 03, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 393
Views: 68451

Re: Identity theft

That's a terrible situation. You need to lock everything down and definitely get a police report. Here is a thread I found on another message board, but I believe there is good information on identity theft here at Bogleheads: In light of the Equifax breech, and all of the various data leaks, as som...
by Yankuba
Wed Sep 27, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: $700 to install a dishwasher seem by a plumber?!
Replies: 65
Views: 5642

Re: $700 to install a dishwasher seem by a plumber?!

Ask a friend or coworker for a plumber. Check Angie's List (it's free to join). It should be a $150 job
by Yankuba
Thu Sep 14, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 159
Views: 15807

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

This is scary. I just took my mobile number off my email account and used my work email address as the alternate.
by Yankuba
Tue Sep 12, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 4908

Re: "Luxury" Vinyl vs Laminate flooring?

I think it's really just personal preference. I've seen all these products in a range of prices for each of the categories. There is real hardwood out there for less money than expensive laminate and vinyl plank, and vice versa. For me I definitely want a certain look or color pattern but more of i...
by Yankuba
Mon Sep 11, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: "Luxury" Vinyl vs Laminate flooring?
Replies: 35
Views: 4908

Re: "Luxury" Vinyl vs Laminate flooring?

The people I bought from had tile in their kitchen but they tore it out and replaced it with luxury vinyl from Lumber Liquidator. The floor lasted less than one year before numerous cracks reared up. The floor below the vinyl must be extremely level and the floor under my vinyl was not. So we hired ...
by Yankuba
Sun Sep 03, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Day trips from Las Vegas
Replies: 16
Views: 2122

Re: Day trips from Las Vegas

We took one of those tour busses and went to Oatman AZ (wild donkeys!) and a gold mine. Highly recommended.
by Yankuba
Fri Sep 01, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Are Roomba's effective?
Replies: 57
Views: 6747

Re: Are Roomba's effective?

Our experience is that they are more trouble then they are worth. They take quite a bit of cleaning all wheels and brushes to keep them working correctly. And while it is implied that they are a "smart" device they are essentially completely blind bumper cars that randomly move in a direction until...
by Yankuba
Thu Aug 31, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Credit Cards - Disaster
Replies: 42
Views: 6491

Re: Capital One Credit Cards - Disaster

If you don't plan on obtaining new credit (i.e. credit card, mortgage, car loan) it's not a bad idea to freeze your credit profile so people cannot fraudulently obtain credit in your name.
by Yankuba
Fri Jun 30, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 4768

Re: Engagement Ring Insurance

I've insured my wife's ring now for the last ten years - the cumulative cost is still a fraction of what the replacement cost is. That is a cheap price to pay. Investing the total cost of ring in any fund over this time has been multiplied, while cost remains a fraction. I'm with you. The textbook ...
by Yankuba
Tue Apr 18, 2017 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today
Replies: 6
Views: 2236

Re: Mr. Money Mustache is doing an Ask Me Anything (AMA) on Reddit Today

MMM said on Facebook he was doing a Reddit AMA today at 1PM EST
by Yankuba
Mon Apr 17, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1596

Re: Any MPA Grads or Students? Advice.

I'm 37 and work for the federal government. I completed ~16 years of federal service and hope to retire early with the pension @ 25 years of service. My plan after I retire at 47 is to transition into the non-profit sector. So a few years ago I decided to get my MPA - part time (I also have kids) -...
by Yankuba
Mon Apr 17, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Any MPA Grads or Students? Advice.
Replies: 10
Views: 1596

Re: Any MPA Grads or Students? Advice.

I'm 37 and work for the federal government. I completed ~16 years of federal service and hope to retire early with the pension @ 25 years of service. My plan after I retire at 47 is to transition into the non-profit sector. So a few years ago I decided to get my MPA - part time (I also have kids) - ...
by Yankuba
Fri Feb 24, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Peer-to-peer lending as an investment?
Replies: 67
Views: 8323

Re: Peer-to-peer lending as an investment?

I started investing in 2012. According to LC's math, my return is 6.80% (annual) but according to the summary page: I deposited $27,000 I withdrew $28,500 and my account is currently worth $1,500 So it looks like I am up $3,000 on a $27,000 investment over ~4 years - which seems much smaller than 6....
by Yankuba
Fri Feb 24, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Banks with 2 factor authentication?
Replies: 18
Views: 6358

Re: Banks with 2 factor authentication?

I use Wells Fargo and selected the token authorization. You need to log in and then input the 6 digit number from the token. They send you the token and the cost is $25. Well worth it in my opinion. But I never got charged for the token anyway. The number changes every few seconds. I think they als...
by Yankuba
Sat Jan 14, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason to NOT go all G Fund for Bond Allocation?
Replies: 5
Views: 1161

Re: Any reason to NOT go all G Fund for Bond Allocation?

My bonds are 100% G fund. It's risk free but you earn higher than the risk free rate. It's a rare free lunch
by Yankuba
Sat Jan 07, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Which stock index fund for gift to grandchildren
Replies: 25
Views: 2765

Re: Which stock index fund for gift to grandchildren

letsgobobby wrote:My children (7 and 9) invest exclusively in the Vanguard Target Retirement 2060 fund. It has domestic and international stocks and bonds and that should somewhat mitigate distributions over the years. In my eyes it is a 'set it and forget it' choice.
+1

I would select a target retirement fund
by Yankuba
Sat Jan 07, 2017 11:50 am
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 5500

Re: "The 401k Problem We Refuse to Solve"

What I really hate about pensions is that if I die before my 25th year - when I can activate my pension - my heirs get nothing. They don't get the survival benefits of my 24 years of service. But my heirs will get my 401k and IRAs. It all depends. If by "heirs" you mean spouse/children, in fact the...
by Yankuba
Fri Jan 06, 2017 3:10 pm
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 5500

Re: "The 401k Problem We Refuse to Solve"

Personally, although I hope to get a federal pension in 10 years I think we need to move away from pensions. Pensions lock people into jobs and prevent people from making career moves. I need 25 years of service to retire early but I started hating my job after 10. But it would be financial suicide ...
by Yankuba
Thu Dec 29, 2016 1:02 pm
Forum: Investing - Theory, News & General
Topic: All your eggs in one basket vs. concern about being hacked?
Replies: 41
Views: 6596

Re: All your eggs in one basket vs. concern about being hacked?

Vanguard says they will make you whole: "Our online fraud policy Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on vanguard.com—and you've followed the steps described in the "Your responsibilities" section of our onlin...
by Yankuba
Wed Dec 07, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Computer hacked. Next?
Replies: 15
Views: 2230

Re: Computer hacked. Next?

I fell for this scam. I had an e-mail issue, Googled for help, found a link for a Microsoft (800) number and called it. An Indian guy answered, I walked him through the problem and I gave him access to my machine. I didn't think it was unusual to give remote access because that is what I do with Del...