Search found 325 matches

by Yarlonkol12
Tue Jul 27, 2021 10:52 am
Forum: Investing - Theory, News & General
Topic: Any concern about China? [Investments in China]
Replies: 103
Views: 6946

Re: Any concern about China?

New regulations are creating a lot of uncertainty. All of my retirement funds are in Vanguard TD funds which hold a lot of international stock, including China and other Asian countries. Is this a short term issue or something to make you take action? I hold total world market but have been watchin...
by Yarlonkol12
Sat Jul 17, 2021 10:33 am
Forum: Personal Finance (Not Investing)
Topic: What to do if robbed overseas?
Replies: 53
Views: 4033

Re: What to do if robbed overseas?

Do you use the cell phone number you carry with you on travel for any banks or brokerages? Thats what I would be worried about, phones can easily be factory reset, rendering the phones password or passcode useless for protecting your phone number
by Yarlonkol12
Sat Jul 17, 2021 8:37 am
Forum: Personal Finance (Not Investing)
Topic: freeze your credit reporting accounts, make getting a credit card miserable.
Replies: 48
Views: 3992

Re: freeze your credit reporting accounts, make getting a credit card miserable.

Perhaps as others have mentioned, there may be some kind of fraud reporting enabled on the account (not sure). Personally, I haven’t had any issues. The last time I did something that required a credit query was when I applied for a Target CC, I was denied because I forgot to remove the freeze but t...
by Yarlonkol12
Fri Jul 16, 2021 7:10 pm
Forum: Personal Consumer Issues
Topic: Good introduction books to Networking and Security
Replies: 22
Views: 1402

Re: Good introduction books to Networking and Security

For an aspiring Software Developer, learning about Cloud Networking and Security would be more relevant and probably more interesting to him. For the vast majority of development work, Cloud platforms like AWS, Azure, and GCP are where he will be deploying and managing his applications, as well as l...
by Yarlonkol12
Wed Jul 14, 2021 7:11 pm
Forum: Investing - Theory, News & General
Topic: When Does Dollar Cost Averaging Work?
Replies: 194
Views: 14384

Re: When Does Dollar Cost Averaging Work?

If the DCA alternative is that the investor would otherwise hesitate to invest and sit in cash for years then it's probably close to 100% after 10-20 years
by Yarlonkol12
Wed Jul 14, 2021 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Interest only mortgage: the conservative choice?
Replies: 126
Views: 14346

Re: Interest only mortgage: the conservative choice?

You're not increasing the amount of your money at risk by paying down the mortgage. The mortgage is separate from the value of the asset. Paying down the mortgage earns you a return of 2.5%, no more, no less. Take it or leave it. I am impressed you found a $1.8 million house in the Bay Area. Does i...
by Yarlonkol12
Tue Jul 13, 2021 6:41 am
Forum: Personal Consumer Issues
Topic: Wifi to Ethernet connection?
Replies: 23
Views: 1966

Re: Wifi to Ethernet connection?

I don’t think your neighbor would be allowed to extend/share their internet access to your home.

As this is temporary, you could purchase/lease an LTE modem from a mobile phone service provider and use that
by Yarlonkol12
Sun Jul 11, 2021 12:47 pm
Forum: Personal Consumer Issues
Topic: Boglehead Tips for Long Flights
Replies: 76
Views: 8516

Re: Boglehead Tips for Long Flights

Ive traveled from Atlanta to India a few times, about a 22+ hour journey in total over 2 flights. As I have never been able to sleep on planes, instead of doing 2 10 hour back to back flights I found building a few days at the layover country to be worth while if you can spare the time and want to v...
by Yarlonkol12
Sat Jul 10, 2021 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Claim Question - Partial Ammount
Replies: 5
Views: 631

Re: HSA Claim Question - Partial Ammount

When you have an HSA, you do not "file a claim" as you are your own claims administrator. You merely tell the custodian to send money. Any questions the "send money" process has about what the money was for are merely to help you keep track of things. If your HSA custodian insis...
by Yarlonkol12
Sat Jul 10, 2021 10:04 am
Forum: Personal Investments
Topic: Does Contributing to a Mega Backdoor Roth take from Traditional IRA contribution limits?
Replies: 8
Views: 555

Re: Does Contributing to a Mega Backdoor Roth take from Traditional IRA contribution limits?

Do you mean, you made a $568 contribution to your 401k after-tax? If so, that's totally separate from a Trad/Roth IRA contribution
by Yarlonkol12
Sat Jul 10, 2021 8:18 am
Forum: Personal Investments
Topic: Today's WSJ article on "Little-Know Back Door Trick"???
Replies: 139
Views: 17661

Re: Today's WSJ article on "Little-Know Back Door Trick"???

My current employer offers this, we can do after-tax contributions which are automatically converted into a Roth IRA all through Fidelity. This also doesn't prevent you from making Roth IRA or Trad IRA->Roth IRA annual contributions either, which you can do in addition. My wife doesn't have an incom...
by Yarlonkol12
Thu Jul 08, 2021 8:55 pm
Forum: Personal Consumer Issues
Topic: Colleges for STEM/CS kid - Overall rank or engineering/CS rank?
Replies: 154
Views: 10377

Re: Colleges for STEM/CS kid - Overall rank or engineering/CS rank?

I would just go with the school your Daughter is the most interested in and feels would be the best fit for her. At least for "CS" type work, I wouldn't really worry about how the university is perceived by others, no one has ever cared in this field as far as I can tell. For what it's wor...
by Yarlonkol12
Fri Jul 02, 2021 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Is this job offer ruined?
Replies: 134
Views: 16779

Re: Is this job offer ruined?

It's very clear some posters in this thread have never been involved in managing ongoing team comp. The manger should then raise the salary of their existing employees if they meet the same bar. Will do, as soon as I find that magic wand that lets me pull raises out of my... To be clear, I can prob...
by Yarlonkol12
Mon Jun 28, 2021 7:32 am
Forum: Personal Consumer Issues
Topic: Time to upgrade to 4k / 8k TVs?
Replies: 59
Views: 5685

Re: Time to upgrade to 4k / 8k TVs?

4K LG OLED with HDR, if your planning to spend around $2k that is the only option I would consider personally. Only LG makes OLED panels, some companies white label them. The same 4K HDR content will look notable better on the LG OLED vs an LED LCD. Part of the OLED magic is that each pixel is indiv...
by Yarlonkol12
Sun Jun 27, 2021 3:57 pm
Forum: Personal Consumer Issues
Topic: Yubikey and Bank of America
Replies: 10
Views: 1647

Re: Yubikey and Bank of America

Rather than adopting a Yubikey I'd mitigate risk by keeping only a small amount of money at Bank of America if I was using it for checking or credit card. If it was a Merrill Edge account with a lot more money in it I might do it. I hope this isn't too controversial, but security is a tradeoff. A f...
by Yarlonkol12
Sun Jun 27, 2021 8:20 am
Forum: Personal Consumer Issues
Topic: Yubikey and Bank of America
Replies: 10
Views: 1647

Re: Yubikey and Bank of America

the solution that some have used to circumvent the SMS liability is to register a google voice number and route the SMS texts to the google voice account, which is securable via yubikey. That makes sense, I can do that. I guess It just seems odd that BoA went to the effort of implementing USB key s...
by Yarlonkol12
Sat Jun 26, 2021 11:45 am
Forum: Personal Consumer Issues
Topic: Helping parents with what appears to be a scam
Replies: 9
Views: 2124

Re: Helping parents with what appears to be a scam

Sounds like in addition to "online security" they need some help with respect to reviewing monthly statements for fraudulent transactions. Do they have a process to review credit cards, bank transactions ..... on a regular basis? Good suggestion, it's something I didn't think about until ...
by Yarlonkol12
Sat Jun 26, 2021 11:38 am
Forum: Personal Consumer Issues
Topic: Helping parents with what appears to be a scam
Replies: 9
Views: 2124

Re: Helping parents with what appears to be a scam

RickBoglehead wrote: Sat Jun 26, 2021 11:36 am You need to do more research.

https://www.whois.com/whois/sprintcustserv.com

Organization:Sprint Communications Company L.P.
Street:6130 Sprint Parkway
City:Overland Park
State:KS
Whew, thank you!!
by Yarlonkol12
Sat Jun 26, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: Helping parents with what appears to be a scam
Replies: 9
Views: 2124

Helping parents with what appears to be a scam

Hi all, At the request of my parents, I've been helping them clean up their online account security and one thing I've come across was a monthly billing statement from "Sprint". They use to use sprint, but moved their numbers over to another company 2 years ago. At first I assumed this cha...
by Yarlonkol12
Sat Jun 26, 2021 8:49 am
Forum: Personal Consumer Issues
Topic: Yubikey and Bank of America
Replies: 10
Views: 1647

Yubikey and Bank of America

I was happy to see Bank of America added support for USB Keys this week. After configuring my Yubikeys on the BOA website, I was disappointed to see that there doesn't seem to be a way to disable SMS as a backup 2FA method. As I can still gain access to my account via SMS, I'm not sure what the poin...
by Yarlonkol12
Thu Jun 24, 2021 9:30 am
Forum: Personal Finance (Not Investing)
Topic: HSA Claim Question - Partial Ammount
Replies: 5
Views: 631

HSA Claim Question - Partial Ammount

Hi Bogleheads, I'm about to pay for Ortho work for my Daughter. Summary: - The payment option I was going to go with was 1 upfront payment for all of the treatments required, using my rewards credit card. - This is an out of network provider and my insurance coverage will pay me directly for a porti...
by Yarlonkol12
Thu Jun 24, 2021 7:35 am
Forum: Personal Investments
Topic: When Can We Stop Contributing to Retirement Funds
Replies: 38
Views: 4947

Re: When Can We Stop Contributing to Retirement Funds

alfaspider wrote: Wed Jun 23, 2021 12:29 pm Don't think of them as "retirement funds." Think of your accounts as tax advantaged space. The tax advantaged accounts are the best tax break going for middle to lower-upper class, regardless of what you want to do about retirement.
+1
by Yarlonkol12
Thu Jun 24, 2021 7:04 am
Forum: Personal Finance (Not Investing)
Topic: When applying for credit card, will they tell you what credit rating agency they will use?
Replies: 7
Views: 393

Re: When applying for credit card, will they tell you what credit rating agency they will use?

When we applied for a target card a few years ago I forgot I had a freeze on, didn’t think about it. I got a “denied” letter later but it gave me a number to call to try again, so I called and while the guy was on the phone I just “unlocked” equifax, he pulled that and it was good enough, then I loc...
by Yarlonkol12
Thu Jun 24, 2021 6:50 am
Forum: Personal Consumer Issues
Topic: Getting a Computer Repaired - Security Concerns
Replies: 21
Views: 1135

Re: Getting a Computer Repaired - Security Concerns

Is this an actual hardware problem? In the past when I’ve needed to have my Macbook hardware repaired/replaced I’ve done a secure erase of internal storage before handing it over to the Apple store/shipping it If it’s a software problem you can’t figure out, just wipe your computer and reinstall the...
by Yarlonkol12
Thu Jun 24, 2021 6:29 am
Forum: Personal Consumer Issues
Topic: PayPal, Google Pay, Zelle, Venmo? [Preferred method for transferring money]
Replies: 38
Views: 2583

Re: PayPal, Google Pay, Zelle, Venmo? [Preferred method for transferring money]

Just be careful with paypal and venmo. If your going to link them to a bank account create one just for this purpose, disable overdraft protection on the bank account, and keep only a small ammount in the bank account
by Yarlonkol12
Tue Jun 22, 2021 1:03 pm
Forum: Personal Investments
Topic: How do you TLH(tax loss harvest) in reality?
Replies: 30
Views: 2236

Re: How do you TLH(tax loss harvest) in reality?

As long as you don’t hold the same or “substationally similiar” funds in your IRAs it’s pretty simple:

If a taxable basis goes negitive, sell the basis to realize the loss and then buy something “not substationally similiar” with proceeds of sale
by Yarlonkol12
Tue Jun 22, 2021 11:21 am
Forum: Personal Investments
Topic: how do Bogleheads increase risk?
Replies: 23
Views: 1956

Re: how do Bogleheads increase risk?

Most seem to hold a mortgage and invest that money into market, so some of those folks are probably net levered over 100% equities. If you are going to use leverage, a mortgage is the way I would go too
by Yarlonkol12
Tue Jun 22, 2021 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Buy and hold blighted property in neighborhood with future potential
Replies: 50
Views: 3431

Re: Buy and hold blighted property in neighborhood with future potential

Are you going to rehab them and rent them out, or just buy them and wait for a flip? If the latter, what would your carrying costs be? Taxes, insurance, etc? What about the transaction cost on buy and sell? Not to mention, if someone tresspasses and hurts themselves on your abondon property, you mig...
by Yarlonkol12
Mon Jun 21, 2021 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Guidance on Max Car Price
Replies: 137
Views: 8842

Re: Guidance on Max Car Price

I’ve always thought of the car purchase in terms of total cost of ownership. If I buy the car for $6000, spend $2000 on repairs and maintance, and sell for $5000 4 years later I’ve spent $3000 over 4 years (simplified example). For example, I like BMWs but I would never purchase a new one due to the...
by Yarlonkol12
Fri Jun 18, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: How to save on water costs?
Replies: 91
Views: 6227

Re: How to save on water costs?

With a pool and sprinkler system running regularly I am shocked you only pay $100 a month. We pay that much without any watering or a pool. When we added new grass and watered daily for 2 weeks our bill was $400 Is your sprinkler system metered seperate so you don’t get billed sewer charges for wate...
by Yarlonkol12
Fri Jun 18, 2021 8:11 am
Forum: Personal Consumer Issues
Topic: Favorite Movies - Name Five
Replies: 207
Views: 11259

Re: Favorite Movies - Name Five

Bladerunner 2049 (2017)
The Matrix (1999)
Lord of the rings trillogy (2001-2003)
Intersteller (2014)
Batman Begins (2005)
by Yarlonkol12
Tue Jun 15, 2021 7:32 pm
Forum: Personal Consumer Issues
Topic: The Future of Cars in Suburbia?
Replies: 73
Views: 5670

Re: The Future of Cars in Suburbia?

I’d research chargers, think the new F150 lightning fast charger (that can also power your home using the trucks battery) requires a 100 amp circuit. I would also run ethernet to the garage so you can have a reliable access point in there for car software updates
by Yarlonkol12
Mon Jun 14, 2021 7:35 am
Forum: Personal Investments
Topic: How to Protect Savings from stock market crash
Replies: 23
Views: 2827

Re: How to Protect Savings from stock market crash

By selling stocks, but then how will you protect your savings from inflation?
by Yarlonkol12
Sun Jun 13, 2021 10:53 am
Forum: Personal Investments
Topic: At what point do you stop contributing to employer sponsored retirement plans?
Replies: 34
Views: 5132

Re: At what point do you stop contributing to employer sponsored retirement plans?

I would personally always max it out, in addition to the tax benefits there are also legal benefits. 401k provides the best possible asset protection from judgements and creditors, lookup ERISA
by Yarlonkol12
Fri Jun 11, 2021 10:36 am
Forum: Personal Finance (Not Investing)
Topic: HVAC / Landlord
Replies: 55
Views: 3728

Re: HVAC / Landlord

They claim back out and they tested the temperature of the air coming out of the ducts, very pleased with the results on their end
Did they do this test using your units ducts? What was the temp difference between intake/output?
by Yarlonkol12
Thu Jun 10, 2021 7:49 am
Forum: Personal Consumer Issues
Topic: Reasonable time to wait for HVAC warranty parts
Replies: 20
Views: 1595

Re: Reasonable time to wait for HVAC warranty parts

We waited 2 months to get a warranty replacement door seal for our washing machine, if we didn’t have family near by with machines we were able to use we probably would have had to just buy a replacement washer as there was no ETA provided. Hopefully they can give you an ETA as HVAC is pretty import...
by Yarlonkol12
Thu Jun 03, 2021 1:36 pm
Forum: Personal Consumer Issues
Topic: House projects - what's inflated, what's not (lumber, etc.)
Replies: 56
Views: 5647

Re: House projects - what's inflated, what's not (lumber, etc.)

We are having a deck built this summer.

Most here don’t try to time the market investing their life savings, but they market time a deck? I don’t get it
by Yarlonkol12
Thu Jun 03, 2021 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: CS job(s) for new grad - parameters
Replies: 13
Views: 997

Re: CS job(s) for new grad - parameters

8) She should start at big tech if possible. Besides compensation being better, the goal of big tech is to create tech products, and she will get to work on making cool things with the latest technology. At a non-tech company, she will be an expense to the company, and her goal will be to meet the ...
by Yarlonkol12
Thu Jun 03, 2021 9:47 am
Forum: Personal Consumer Issues
Topic: First computer for kids 6-10: Mac? PC? Chrome OS?
Replies: 27
Views: 1755

Re: First computer for kids 6-10: Mac? PC? Chrome OS?

Either a really cheap chrome book ($99) or the $999 base m1 macbook air. After using the m1, I’m not sure why anyone would pay similar money for an intel based PC at the moment. Pair it with a docking hub/monitor/keyboard if used at desk, or just get the m1 mac mini ($699) if you dont need portability
by Yarlonkol12
Thu Jun 03, 2021 8:53 am
Forum: Personal Consumer Issues
Topic: How do you pay for a car?
Replies: 55
Views: 5373

Re: How do you pay for a car?

If it’s a new car from a dealership, in my experience they allowed 20% to be paid for with a credit card and then the remainer paid with a personal check. This assumes your using the credit card as a transaction tool, not a lending tool. If you need to borrow money, don’t use a credit card You could...
by Yarlonkol12
Wed Jun 02, 2021 2:11 pm
Forum: Investing - Theory, News & General
Topic: Critical view of index investing
Replies: 132
Views: 14661

Re: Critical view of index investing

I wouldn’t feel comfortable with an investment strategy that everyone in the world agreed was “the best” and found no flaws in the approach.
by Yarlonkol12
Wed Jun 02, 2021 8:51 am
Forum: Personal Consumer Issues
Topic: Home WiFi options for non-tech elderly parents living overseas in big home?
Replies: 36
Views: 2729

Re: Home WiFi options for non-tech elderly parents living overseas in big home?

One of those boxed kit mesh systems might be a good option, but not something I have experience with. Mesh wasn’t really an option with my parents house due to construction material/walls/basement. I setup Ubiquiti gear in my parents house, I used 3 indoor access points and 1 outdoor access point. A...
by Yarlonkol12
Tue Jun 01, 2021 1:34 pm
Forum: Personal Consumer Issues
Topic: Do Thieves Still Go Thru Trash To Steal ID?
Replies: 41
Views: 3944

Re: Do Thieves Still Go Thru Trash To Steal ID?

I don’t know, but why would they need to? It seems like alot of work when most everyones information is already available on the public people search databases, try googling your name sometime or checking sites like mylife.com
by Yarlonkol12
Mon May 31, 2021 9:45 am
Forum: Personal Consumer Issues
Topic: WiFi Cameras
Replies: 12
Views: 1011

Re: WiFi Cameras

What they really mean is, if your guest network has a captive portal login (webpage), then the cameras wont be able to join it.

Nothing is stopping you from creating seperate vnets or subnets for your IoT devices, they won’t know the difference
by Yarlonkol12
Sun May 30, 2021 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to request customer service remove the ability to send outgoing wire transfers from Schwab or Fidelity?
Replies: 4
Views: 708

Is it possible to request customer service remove the ability to send outgoing wire transfers from Schwab or Fidelity?

As I don't need the ability to send wire transfers, having the option to do so on my accounts seems like an unnecessary security risk. I was wondering if there was a way to permanently remove this feature from my account by talking with customer service or sending something in writing?
by Yarlonkol12
Sun May 30, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: Highjacked Sims Card / Money stolen from bank account
Replies: 44
Views: 5223

Re: Highjacked Sims Card / Money stolen from bank account

Thanks for replies. I'm not sure of the validity of the Clark Howard listener question. I'm just presuming it's true. Some questions: a) Is there a specific authenticator app is that advised for an android phone? b) If a bank sending you a code doesn't allow one to utilize the authenticator app, wh...
by Yarlonkol12
Sun May 30, 2021 11:53 am
Forum: Personal Consumer Issues
Topic: Amazon Sidewalk, Use Your Neighbor's Internet for Free
Replies: 97
Views: 13568

Re: Amazon Sidewalk, Use Your Neighbor's Internet for Free

Does anyone else not have the Amazon Sidewalk setting under account settings where the Amazon help page says it's suppose to be? We have a 1st generation Echo, which doesn't support Sidewalk from what I understand, so maybe that's why the setting isn't showing up for me...but just wanted to double c...
by Yarlonkol12
Sat May 29, 2021 8:53 pm
Forum: Personal Consumer Issues
Topic: Highjacked Sims Card / Money stolen from bank account
Replies: 44
Views: 5223

Re: Highjacked Sims Card / Money stolen from bank account

Best solution is don’t use cellphone for 2fa. Google voice is a good option, as well as authenticator app. +1 Using your cellphone SMS for 2FA is better than not using any 2FA at all, but the problem is that sites will often allow users who register their phone number to also use it for account rec...
by Yarlonkol12
Sat May 29, 2021 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Return to Work - How is your company dealing with it?
Replies: 323
Views: 38108

Re: Return to Work - How is your company dealing with it?

I'm full time remote, but my employer is giving people the option of what they want to do. I would consider going into an office in the future if they had an office building within a reasonable distance from where I live and staff were given private office spaces. The issue I had with office buildin...
by Yarlonkol12
Fri May 28, 2021 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Cyber attacks increasing - do you have concerns about the security of your investment accounts?
Replies: 83
Views: 14297

Re: Cyber attacks increasing - do you have concerns about the security of your investment accounts?

Do you believe re-using usernames is a serious risk? I keep my financial username different than all of my social media and other account usernames, but I do use the same username at several of my financial institutions. I wasn't concerned about this originally and now it seems difficult to change ...