Search found 126 matches

by drwtsn32
Thu Apr 25, 2019 5:31 pm
Forum: Personal Consumer Issues
Topic: Dryer solution- thanks Bogleheads!
Replies: 14
Views: 1594

Re: Dryer solution- thanks Bogleheads!

Nice! I have done the same - made some relatively simple repairs on both my washer and dryer, and I'm not exactly a handyman. Dryer had a similar problem and I was able to replace the heating element. Washer had a weird issue where it would just sometimes stop mid cycle at various points. I opted to...
by drwtsn32
Tue Nov 27, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 500
Views: 44080

Re: Quicken 2019 and forward

J G Bankerton wrote: Tue Nov 27, 2018 1:56 pm... Chase no, Citi no; ...
Chase and Citi download fine for me. (My credit card accounts anyway, I don't have checking/savings with either...)
by drwtsn32
Wed Jul 04, 2018 1:08 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

MrNo wrote: Tue Jul 03, 2018 10:45 am Than my NAS uploads backup folders to Amazon glacier. Cost is 0.004 per GB.
Backblaze B2 is only $0.005/GB/mo and it is not cold storage like Glacier. Faster restore times, USB drive option, etc....
by drwtsn32
Mon Jul 02, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

Isn't it just a matter of time that personal data on sites like Crashplan are exposed to hacks and theft? Use a backup program that lets you set a custom encryption key that YOU are responsible for tracking. Don't provide this key to the company handling your backups. Then it won't matter if someon...
by drwtsn32
Mon Jul 02, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

ceperry wrote: Sun Jul 01, 2018 12:03 am I will also point out that Backblaze does require you to transmit your encryption key to them.
Just to be clear, this is not be the case for their B2 storage platform.
by drwtsn32
Fri Jun 29, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

bbqguru wrote: Fri Jun 29, 2018 4:16 pm We currently use Cloudberry at my office and at home.
I think CloudBerry is pretty nice. In many ways its interface is easier to use than Duplicati's. But I was ultimately disappointed in how it handles the back end data, and that it doesn't use deduplication.
by drwtsn32
Fri Jun 29, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

Starting from scratch, 3TB of data would take 55 days to upload at 5.13Mbits/sec (which I get now from Spectrum). Yes... but once it's done, you're good to go. With robust backup programs like Duplicati, only changed blocks of data (sections of files) are uploaded again in the future. And - RAID (e...
by drwtsn32
Fri Jun 29, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

....I have better things to do than waste my time backing up TB's of data, create copies,upload/download,encrypt/decrypt and buy software for it. Um, ok. Duplicati and other backup programs are completely automated. I spend no time doing those things. Software does all the work for me. Only cost in...
by drwtsn32
Fri Jun 29, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

R2D2 wrote: Fri Jun 29, 2018 10:27 am Would duplicati do that last task easily? Or does someone have a simpler recommendation?
Duplicati would definitely do this, but I don't know if I would call it simple. It is very flexible so the complexity is higher than in other products. Doesn't hurt to try it as the software is free.
by drwtsn32
Fri Jun 29, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

student wrote: Fri Jun 29, 2018 9:57 am I was wondering why OP needs off site back up.
Everyone should back up off site. What happens if your house burns down?
by drwtsn32
Fri Jun 29, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

Backblaze also has a neat policy in which they can send you a hard drive for a fee and if you return the hard drive they reimburse the fee, and you will have only paid for the shipping. Could save a lot of time vs downloading everything if you had to restore. They offer this service even if you don...
by drwtsn32
Fri Jun 29, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

Is there any reason that you do not want to back it up to an external hard drive? You can use whole disk encryption such as veracrypt. External hard drives are not automatically off site. You have to take it off site, and while it is off site you can't back up to it. Nice thing about a local backup...
by drwtsn32
Fri Jun 29, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 3155

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

I switched from CrashPlan to Duplicati. Duplicati is technically in "beta" but I have found the beta releases to be quite stable. I run it on about 10 machines successfully and there is an active support forum where you can get assistance from the developers or other users. Unlike CrashPla...
by drwtsn32
Mon Jun 11, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Would you choose text or email for two-factor authentication?
Replies: 50
Views: 6703

Re: Would you choose text or email for two-factor authentication?

Neither. Texts and emails can be intercepted.

Time-based 2FA is best because nothing is transmitted to you at the time of logon. The shared secret for time-based 2FA is transmitted only once over HTTPS (ensuring privacy and authenticity) when you are doing the initial setup.
by drwtsn32
Wed May 23, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 5971

Re: Quicken - Do you use it?

I used MS Money since the early 90's and reluctantly switched to Quicken after MS Money was discontinued. I have to upgrade regularly to keep the transaction download feature working. Other main reason I like Quicken is for balance forecasting and tracking payment times. I am very tempted to dump it...
by drwtsn32
Sat May 05, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 147
Views: 22362

Re: Warning: avoid Windows 10 update 1803

Every damn time the Apple fanboys can't resist evangelizing....sigh
by drwtsn32
Sat May 05, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 147
Views: 22362

Re: Warning: avoid Windows 10 update 1803

No issues here... upgraded to 1803 without problems. I use Outlook 2013 extensively and also Quicken (latest version).
by drwtsn32
Wed Mar 14, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Re: Tax question - Deceased person's final social security payment

I'm looking at this again... Could this final social security payment be an IRD deduction? TurboTax has a section for this in the deduction area... income in respect of a decedent... and it SOUNDS like it might apply in this case. The help states: In general, income in respect of a decedent is incom...
by drwtsn32
Sun Feb 18, 2018 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Re: Tax question - Deceased person's final social security payment

dodecahedron wrote: Sat Feb 17, 2018 7:38 pm Don't forget that you can deduct estate administration expenses
Good to know, thanks!
by drwtsn32
Sat Feb 17, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Re: Tax question - Deceased person's final social security payment

I ran it through TurboTax. It subtracted the $600 exemption and the remaining amount was taxed at 15%. The amount was within the first tax bracket for an estate income tax return ($0-$2500).
by drwtsn32
Sat Feb 17, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Re: Tax question - Deceased person's final social security payment

The claim form requests the SSNs of the surviving widow[er]/children/parents if any of those exist and presumably would have reported the payment under their SSNs. The funds should not have passed through the estate if any of those folks had existed. Yep, I recall that on the form. There are none o...
by drwtsn32
Sat Feb 17, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Re: Tax question - Deceased person's final social security payment

dodecahedron wrote: Sat Feb 17, 2018 2:30 pmFinal Form 1040 is supposed to report income received by decedent from January 1 through date of death.
This makes total sense. And it makes the answer to my question so much more obvious.
by drwtsn32
Sat Feb 17, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Re: Tax question - Deceased person's final social security payment

Thank you!

I will include this income on form 1041 then. That's the one I meant when I said "estate tax return" but I do appreciate your clarification! I didn't even know about form 706 since this estate came nowhere near exceeding the exemption amount.

Appreciate your response!
by drwtsn32
Sat Feb 17, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question - Deceased person's final social security payment
Replies: 11
Views: 2205

Tax question - Deceased person's final social security payment

BACKGROUND: I am the executor for a person that passed away on 12/2/2016. SSA was notified of his death within about a week of his passing. On 1/3/2017 I received a notice saying that the deceased was due a social security payment at the time of his death. I responded to their request and provided i...
by drwtsn32
Fri Jan 05, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 15548

Re: Crashplan for Home ending service late 2018

I settled on Duplicati https://www.duplicati.com/ It checks a lot of the boxes I was looking for: open source, deduplication, encryption, and supports myriad storage options. Now I am not held hostage by a single company like I was with CrashPlan. I am using the software on Windows, Linux, and my Sy...
by drwtsn32
Wed Dec 13, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Files Corrupting Often-Anyone else?
Replies: 7
Views: 1446

Re: Quicken Files Corrupting Often-Anyone else?

I've never had corruption issues and I've been using Quicken since MS discontinued Money (2010 or so?)
I generally upgrade every year and am currently running Quicken 2017. My data file is 75MB.
by drwtsn32
Wed Dec 13, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: New Quad9 DNS Service Makes the Internet Safer and More Private
Replies: 18
Views: 2814

Re: New Quad9 DNS Service Makes the Internet Safer and More Private

I have been using OpenDNS with custom filtering to block other types of domains, not just malware and the like.
If I didn't have that need, I would definitely be trying out Quad 9.

I don't see how it is more private though. DNS is unencrypted.
by drwtsn32
Wed Dec 06, 2017 6:57 pm
Forum: Personal Investments
Topic: should I use vanguard's 2 step verification sign in
Replies: 53
Views: 9369

Re: should I use vanguard's 2 step verification sign in

I like getting the text message on my phone (as opposed to a physical token or smartphone app). Note that this is less secure. SMS messages can be intercepted in order to capture the second factor if the person is determined enough. The QR code you scan into an authentication app is much more secur...
by drwtsn32
Thu Nov 30, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Question on Signal Private Messenger
Replies: 11
Views: 11028

Re: Question on Signal Private Messenger

It probably needs access to the camera if you want to take pictures directly with the app. And the microphone if you want to make a recording directly in the app, etc. If you have a modern Android operating system (7.0 or higher, IIRC), you can turn off all of the permissions you don't think it shou...
by drwtsn32
Sat Oct 14, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 47
Views: 5655

Re: Antivirus Software Recommendations

+1 just use Windows Defender. 3rd party antimalware products can often WEAKEN the security of your system. And there is no single antimalware program that will protect you 100%. You also need to exercise safe computing practices, like being careful about email attachments and running an ad blocker o...
by drwtsn32
Tue Sep 26, 2017 11:21 pm
Forum: Personal Investments
Topic: wife just moved 700000 to IRA
Replies: 4
Views: 1977

Re: wife just moved 700000 to IRA

hulburt1 wrote: Tue Sep 26, 2017 9:51 pm30% s&p
30% total
I'm confused by this (and other parts of your post). 30% S&P500 and 30% total stock market? S&P is 80% total stock market, I believe. So why invest in both?
by drwtsn32
Tue Sep 26, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 27414

Re: Alternative to Google Finance?

Renovation? Good! I hope this means they will FINALLY move away from Flash.
by drwtsn32
Thu Sep 14, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 3516

Re: Verify credit freeze is active?

You can also ask one of your credit cards for a bump in your credit limit. You'll get a letter back that says they couldn't access your credit file. They'll tell you which credit bureau they use and ask you to temporarily unfreeze. This isn't true from what I understand. Companies you have a curren...
by drwtsn32
Sun Aug 27, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 15548

Re: Crashplan for Home ending service late 2018

jebmke wrote: Sun Aug 27, 2017 12:53 pm I did notice that they use 128bit encryption - how strong is that and do they store the key on their site or can you retain it locally without having a key on their site?
Strength of 128-bit encryption depends on algorithm used. If it's AES encryption it'd be fine.
by drwtsn32
Sat Aug 26, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 15548

Re: Crashplan for Home ending service late 2018

My experience suggests that losing Crashplan may be a blessing in disguise. I subscribed to Crashplan for a couple of years. All went well until I transitioned to a new computer and could not get Crashplan to operate, so I started going round and round with their customer service. It was easily the...
by drwtsn32
Sat Aug 26, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 117
Views: 15548

Re: Crashplan for Home ending service late 2018

I love CrashPlan. It had nice multi-tiered retention settings, deduplication, friend-to-friend backup, etc. My Family subscription lasts until late 2019, but I'm looking at alternatives. I will probably stick with CrashPlan Pro for my main machine that has most data, but I can't justify the cost per...
by drwtsn32
Fri Jun 30, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: One fund, the whole stock market, why not?
Replies: 15
Views: 2264

Re: One fund, the whole stock market, why not?

mikeguima wrote:Why not go down to a two asset portfolio and combine the bond with a world index such as the one I mentioned?
Some (many?) want to be able to define their US vs international allocations. With one fund that wouldn't be possible.
by drwtsn32
Thu Jun 08, 2017 12:36 pm
Forum: Personal Investments
Topic: If I open a new joint account at Vanguard, can both owners access it with their existing logins?
Replies: 12
Views: 8659

Re: If I open a new joint account at Vanguard, can both owners access it with their existing logins?

My wife and I have our own Vanguard accounts that contain our respective Roth/Trad IRA accounts. We have a joint brokerage that is visible under both accounts...so I believe the answer to your question is yes. Same here. Joint account visible on both logins. In addition, your spouse can grant you a...
by drwtsn32
Fri Apr 14, 2017 12:35 pm
Forum: Personal Investments
Topic: Where to park Emergency Fund?
Replies: 32
Views: 3976

Re: Where to park Emergency Fund?

whodidntante wrote:I keep my emergency fund in emerging markets equities.
lol
by drwtsn32
Fri Apr 14, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Windows 10 upgrade, now legacy software doesn't work
Replies: 35
Views: 3828

Re: Windows 10 upgrade, now legacy software doesn't work

Disabling automatic updates is a horrible suggestion.

Using the troublesome legacy apps in an XP virtual machine is probably the way to go. This VM could be running inside a properly updated Windows 10 installation.
by drwtsn32
Wed Mar 15, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 5322

Re: Vanguard: "Important: We've been unable to reach you by email"

I have had this happen twice. I think what happens is Vanguard receives a bounceback on an email they tried to send you, and it triggers this letter. I think it is good thing that they monitor for bouncebacks... I choose to be annoyed by my email provider which obviously isn't 100% reliable.
by drwtsn32
Sat Feb 18, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 9051

Re: Wifi Router Advice

If your wifi router is behind a spectrum cable modem, make sure the router you select operates in either 'access mode' or 'bridge mode'. Not all routers do. Probably not be necessary. I have Charter Spectrum service and the plain cable modem is quite simple and doesn't do NAT. (Which is what I pref...
by drwtsn32
Wed Sep 28, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa transition - effect on credit score
Replies: 15
Views: 2261

Re: Costco Visa transition - effect on credit score

Finally got around to calling Citibank. They asked if my Costco Amex card was reissued or something back in that Aug 2013 timeframe. Honestly it is possible. I did switch my Costco account from a Business type to a Personal type possibly around that timeframe. The Costco Amex Business card was repla...
by drwtsn32
Wed Sep 21, 2016 10:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 5074
Views: 1323412

Re: What Book Are You Currently Reading? Part VI

Recently finished "Seveneves" by Neal Stephenson. First 2/3 of the book I liked, but had a hard time getting into the last 1/3 when the story shifted.

Currently reading "Story of your life and others" by Ted Chiang....
by drwtsn32
Tue Sep 20, 2016 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa transition - effect on credit score
Replies: 15
Views: 2261

Re: Costco Visa transition - effect on credit score

*3!4!/5! wrote:Any updates? Has CK changed? What did Citi say?
No change with CK... haven't called Citi yet. I do intend to so I can ask them about the "account open" date.
by drwtsn32
Thu Sep 15, 2016 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa transition - effect on credit score
Replies: 15
Views: 2261

Re: Costco Visa transition - effect on credit score

*3!4!/5! wrote:But now the question is, where did you see "8/8/2013"? Is the error on your report, or just in CK?
That is the date that CK shows for both the Equifax and TransUnion reports.
by drwtsn32
Thu Sep 15, 2016 3:13 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa transition - effect on credit score
Replies: 15
Views: 2261

Re: Costco Visa transition - effect on credit score

What's the source of your FICO score drop? My FAKEO score as reported by CreditKarma dropped when Amex stopped reporting and rebounded when Citi started reporting, but there was no impact to the scores calculated and reported by Discover, Barclays, or Bank of America. When I look on CreditKarma now...
by drwtsn32
Tue Sep 13, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa transition - effect on credit score
Replies: 15
Views: 2261

Re: Costco Visa transition - effect on credit score

In case anyone is interested, I submitted a question on their web site. They replied telling me to contact them by phone. I'm probably going to try tomorrow to see if I have any luck. Thanks for contacting us regarding your credit report. In this case, to see if this can be edited and updated, it wo...
by drwtsn32
Tue Sep 13, 2016 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Visa transition - effect on credit score
Replies: 15
Views: 2261

Re: Costco Visa transition - effect on credit score

*3!4!/5! wrote:Is there any event related to this card that happened on or about 8/8/2013? Or is that some random inexplicable date?
I really have no idea where the 8/8/2013 date came from! I listed it to see if other Costco Amex members were given the same date on their updated credit reports.