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Gentleman.Jack.Darby last won the day on June 16 2018

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  1. Based on the facts given, I'd say "No", but if it's something that you're set on doing, I'd recommend giving the following things a LOT of thought and be sure you have realistic plans in case things don't work out: Make sure that you really understand the effect that inflation will have on your income stream down the road; and by really understanding, I mean sitting down with a spreadsheet or inflation calculator and really seeing what your proposed income stream of today will buy you in 15 years, 25 years, 35 years, etc. It's really not enough to understand the abstract concept of inflation - one must see the actual effects on one's own income to really understand and appreciate how it can upset the best laid plans Pay attention to your life expectancy which goes hand-in-hand with the negative effects of inflation; the longer one lives, the worse the effects of inflation on one's income stream. For someone aged 38, their AVERAGE life expectancy is about another 43 years, meaning, on average, they can expect to live until age 82; one other thing to understand about life expectancy is that the longer one HAS lived, the longer one can EXPECT to live - that same person who is 38 today, if he lives to age 70, can expect to live another 17 years or to age 87, an increase over the average life expectancy of 5 years, which may not seem like long if one is age 38 with a steady income, but could be an eternity if one is that age and running out of money. Of course, those life expectancies are the AVERAGES - significant percentages of folks live beyond them Never forget that more market downturns are coming and that the market value of your nest egg will fluctuate no matter where it's invested, including "safe" things like bonds. The current climate of low interest rates, low inflation, and outsize average returns on equities IS NOT the "new normal". My working life of 40-plus years has seen a prime interest rate of 18 percent (which lowers the value of bond funds) and three major equities markets "crashes" - 1987, 1999, and 2008. For me, the crashes were not devastating events because I had a steady income stream while working and I'm bullish on America (didn't sell when prices were swirling down the toilet), so my nest egg has recovered and then some; as well, during those crashes and the aftermath, I wasn't dependent on my nest egg for daily living expenses While it is generally accepted that if one takes only 4% of one's nest egg per year one is unlikely (not guaranteed if one lives to a very old age) to run out of money during one's lifetime, keep in mind that the 4% rule requires that one stick to 4% every year, which means if one's nest egg decreases because of a market downturn, one takes less in a bad year; not a big deal if one's budget has enough cushion to cut a few "luxuries" in the lean years but could be quite unpleasant if the budget is tight and a market downturn is prolonged Keep in mind that while a monthly income of USD 2,000 to 2,500 should allow for comfortable living in the Philippines, it would certainly not allow for a very comfortable living in the U.S. if one had to return home for some reason, such as political unrest, ill health, a family emergency, or if the Philippines one day decides that long-stay foreigners are no longer welcome, as is currently happening in Thailand. And last but by no means least, give a lot of consideration to health care, especially in old age, since one day, God willing, we all grow old and frail. Good health care is quite inexpensive outside the U.S. when one is young and healthy, but when one gets to around age 70 and beyond, it becomes pretty expensive and in many case unobtainable. U.S. Medicare is an exceptional deal compared to the alternatives outside the U.S., so it's a good idea to ensure that, even if you don't plan, right now, to take advantage of it at age 65, that you have enough work credit to be eligible for it when needed down the road.
  2. I expect it will be fine The 754.777.xxxx number is your GV number, correct? The reason I ask is that I have a second inexpensive folding phone that I keep as an emergency phone in the house and as a testing phone that I added to GV - while I can't use the GV app on that phone since it's a "dumb" phone, it's a backup phone on which I receive GV calls and SMS About once a year, I get a message from Google that I need to verify that I still own that phone number by having GV send a verification code to that phone and then entering the code in GV on the desktop Something for folks to plan for if they're thinking about activating GV and then ditching the activation phone or taking the activation phone outside the U.S. to use with a local SIM card
  3. It's not quite correct that one must file a state tax return if one has income in a state. For example, if one has a bank account in California and that account earns interest, the interest will be reported by the bank to the California Franchise Tax Board, which brings it to the FTB's attention. However, if one is not a resident of California and does not spend any significant time in California or have any substantial business presence in California, the interest will not be taxable in California, but it will require demonstrating to the FTB's satisfaction that one is not a resident of California. The reason that you got a letter from the FTB for your rental house in Florida and for the life insurance dividend is because you used a California mailing address with those companies which, as far as the FTB is concerned, is prima facie evidence of residency
  4. Google Voice and Skype are both VOIP (Voice Over IP) services which means that they use the internet as the infrastructure to complete calls, as do most other telephone services nowadays Two big differences between GV and Skype: GV is free for making calls to U.S. numbers, both cellular and landline, or what passes for "landline" nowadays, e.g. a "landline" from one's cable company, which is really just a VOIP number with a device that looks like a conventional phone If one wants to make calls using GV to a number outside the U.S., one must buy credit which is essentially the GV (VOIP) equivalent of load With GV one can RECEIVE SMS (text messages) just as one would do with a cell phone, sent by anyone at any time - Skype does not have that capability. With Skype, one can only RECEIVE a reply to an SMS that one has sent, which means Skype won't work for things like two-factor authentication (TFA) bank verification codes or a "HAPPY BIRTHDAY" text from one's kid, for example.
  5. You will be able to connect to the U.S. servers of Netflix and Amazon without a VPN. However, as far as streaming content in your Netflix and Amazon lists, you probably won't be able to watch everything because it's likely that at least some of the items on your lists won't be authorized by the copyright holders for viewing outside the U.S.
  6. That leakage is likely related to (now fixed) bugs in old browser versions or possibly one of the WIndows OS services on one's machine It's always a good idea to routinely check that one's browser is up-to-date since some browsers don't automatically update when a new version is available. And it goes without saying that one should always update to the latest computer OS, especially if one is running Windows - No more Win XP folks! Time to move to Windows 10 since Windows 7 extended support (security patches) is ending January 2020 - If one is running Windows 10, you'll have extended support until 2025 Or better yet, get a Chromebook and be done with all the Windows BS
  7. Not sure about links on this forums, so just Google 'bittorrent' and the site (for BitTorrent) will come up first on Google. The download will be the usual Windows executable that you'll click to run and install
  8. I 'cut the cable' (DirecTV back around 2008) because you're right, 'TV' (broadcast and cable) have had 'nothing to watch' for a long time. I'm an American football fan, so I'm lucky that the NFL and college are, for the most part, still on broadcast TV, so I've attached an antenna to my smart TV and can get 'free' TV to watch games. I'm also a fan of real football (soccer) and am fortunate that I can watch English Premier league games on Saturday afternoon and Mexican league games at other times over broadcast TV. One thing I would suggest is getting is a Roku box to attach to your TV since there are a huge amount of 'channels' (apps) available on those devices, most for free. While smart TVs have a few very popular apps built in (Netflix, Hulu, Vudu, etc.), they have nowhere near the selection of a Roku box. In my Roku box, I watch Al-Jazeera for news (I like balance with no screaming and shouting and 'clickbait' in my news), NBC (classic TV like Miami Vice), Roku Channel (movies and classic TV), CW (Supernatural), Tubi TV (Fat Pizza, Swift and Shift Couriers, and Housos) along with Netflix, Vudu, and YouTube. It's my view that for the most, unless one is a sports fan and HAS to have their local MLB and NBA in real-time, pretty much anything worth watching on cable (and a lot that isn't, in my opinion) is available for streaming through the internet and/or apps on devices such as Roku boxes, Amazon Firesticks, etc. If one wants to watch MLB, NBA, and NHL, there are subscriptions available on Roku and other devices that allow one to watch out-of-market games live and one's home market games immediately upon completion. Not a bad option if one is a fan of the game more so than just a fan of the local team.
  9. As for the modem/router combination, you're right, a lot of ISPs do provide a combo box with both functions in the same box. As for buying one's own device(s), in my case I own both my cable modem and my wireless routers - I'm a cheap charlie and don't want to pay a monthly fee to rent a box, so it works out much cheaper in the long run if one owns one's devices. Beyond that, one of my major job responsibilities for a lot of years has been managing an IT department, so I've seen what happens if one does not have redundancy (backups of data, hardware, technical skills, etc.) in one's computing environment and the decline in support skills from service providers such as ISPs - it leads to sleepless nights and I sure don't want that when I come home. As for a tech coming out to troubleshoot problems, if one is capable of plugging things in, turning things on and off, watching lights blink and reading descriptions (there are people uncomfortable with these things), there isn't anything for a tech to do at one's home regarding the modem - the work related to making a new modem 'work' is done on the ISP's system. As well, in today's world, almost everything short of pushing a power button can (and is) done remotely. If one wishes to own their own cable modem and wireless routers, there isn't much to worry about regarding compatibility of cable modems and cable companies - in the U.S., there aren't many cable companies and big box stores such as Walmart and Best Buy know that, so they stock cable modems that will almost certainly work with one's local cable company. The biggest mistake one is likely to make when buying a cable modem is to buy one that can handle a faster speed than one gets from their ISP or one with advanced features that one may not use, such as those aimed at gamers. If one wishes to replace their cable modem, all that is required is to call the local cable company and ask them for them for compatibility information - there isn't much to know and it's more of a 'double-check' than anything else. Once one buys the modem, it's just a matter of plugging it in to the electrical outlet (to make sure it's powering up) and calling the cable company - the cable company will ask for some information printed on the modem (model number, serial number, MAC address, etc.) in order to configure their system to allow the new modem access and to handle billing. At that point it's done and one has internet (and programming) access. As for setting up the wireless router, most name-brand consumer routers come with a configuration CD or a link to software that one downloads to one's computer that will automatically configure the router to work with one's ISP (things like IP addresses, type of connections, etc.) and setting up the router's basic security (network name, password, etc.) As long as one follows the step-by-step 'quickstart' instructions (with pictures), there should be no problem installing a wireless router. More advanced functions of a wireless router, such as a VPN, guest access, MAC addressing (to keep unauthorized devices off the network) require getting into the 'guts' of the router, but name-brand routers include step-by-step instructions and there's always help on the internet. Getting back to redundancy, if one owns one's own equipment, it's a good idea to buy an extra wireless router - they do fail occasionally and if one is choosy about the router (as one should be), it's good to have a spare since the big-box stores tend to sell lower-priced and less capable routers. As for the cable moem, if one is in the U.S., it's likely there's a Walmart or BestBuy close by, so no real need to keep an extra on hand. That's quite a coincidence that you mention Cox Cable and going over data limits - yesterday one of my staff, who's married with two teenage boys, was talking about the exact same situation, except her family went over by 150 GB and it cost her an extra USD 30 on her most recent bill. Where I live in the U.S. Great Lakes region we also have Cox Cable with the 1 TB data cap, although I did notice on my last bill that it went up by USD 4 per month; I only have internet, no programming. The last couple of times Cox raised the bill they either increased my download speed or increased my data cap, neither of which, in my case, makes me happy. I live alone and rarely break 200 GB on data usage and 50 Mb/s down is fast enough to stream ultra-high def (UHD) movies on Vudu, so I'd rather keep the 4 bucks a month. One of the things my staff member was trying to figure out, which highlighted a shortcoming of ISP-provided modem/router combo boxes, was that she couldn't figure out device (re: who) data usage. The Cox tech was able to show all devices that had internet access through the wireless router, but that specific router was unable to show data usage by device ID (MAC address). She also did not have wireless MAC addressing (devices allowed to use her wireless/internet connection) turned on, so she really couldn't say if devices not owned by her family were using her internet connection. One of the advantages of owning one's wireless router is that there are some routers that will keep track of data usage by device, so one can quickly pinpoint who is using too much data or isolate a device that may have some sort of problem, such as a problem with software updates or perhaps a virus that is continuously 'phoning home' and burning data. As for 'autoplay' functions, Netflix has a 'binge watch' setting for TV series, which will play episode after episode even if one is not watching - that can be turned off in one's account settings but, AFAIK, it's needs to be done through a web browser. Also, it's not a bad idea to set a 'sleep timer' on one's smart TV - it will turn the TV off after a certain amount of time and that will help manage data usage,since most devices, such as a Roku box, 'talk' to a smart TV and will also 'sleep' if it's 'sees' that the TV is off.
  10. The only movies one can download, at least without going to the trouble of using screen capture software, are movies to which one has licensed ('bought' and 'owns') viewing rights (one never really 'owns' , in the conventional sense of owning a paper book, phonograph record or music CD, or movie DVD or Blu-Ray disc any digital content - and that goes, in very large and nasty measure, to Kindle books as well). Services such as Vudu, Amazon, Google Play (movies) and Spotify (music) will allow one to download copies of movies and music one 'owns' (has paid for viewing rights) for viewing on devices like computers, but there are some aggravating hoops to jump through, such as using somewhat 'locked down' devices (Amazon) or connecting the device periodically to the service (Vudu and Spotify). Netflix is strictly a streaming service.
  11. Watching U.S. Netflix outside the U.S. is not legal, strictly speaking, since the content owners may have licensed their content to U.S. Netflix for viewing only by folks in the U.S. Using a credit card online at a reputable company, such as Netflix, doesn't have any significant risk when setting up or updating an account since the the internet connection between one's computer and Netflix will be an encrypted connection - not even one's ISP (Internet Service Provider) will be able to 'see' what is happening on the connection. The major risk to one's credit card comes from two places - Netflix's storage of one's card details within their computing infrastructure and any security vulnerabilities on one's computer, such as a virus or keylogger or an out-of-date operating system or web browser. A VPN's function is to provide a secure and encrypted connection between one's computer and the VPN service's servers and to a lesser extent, IF PROPERLY CONFIGURED, the ability to disguise the physical location of one's computer which is helpful, for example, when watching U.S. Netflix outside the U.S., or accessing one's U.S. bank, etc. When using a VPN, the places one 'goes' on the internet, such as Netflix or the New York Times, for example, 'see' only the VPN service's IP address, physical server location, and server details, not one's own. That's only part of the privacy puzzle, but a big part. If you do choose to use a VPN service, use one for which you pay - stay away from the free ones that show up on a Google search. Your VPN service, since it acts as a 'proxy' for you by fetching all your web content, knows everywhere you go - the VPN service won't be able to 'see' the content between your computer and your destination since most sites nowadays use secure connections (https;//). A VPN service is also helpful because there are still some sites out there that don't use secure connections (https://), so a VPN helps by encrypting an unsecure connection and hiding that traffic from, for example, snooping ISPs. A VPN and anti-virus software are two different things designed to protect against two different threats - a VPN is designed to help protect one's privacy and anti-virus software is designed to protect against malicious software by, in the best case, preventing it from reaching and being installed on one's computer or, in the worst case, removing it from one's computer. As far as alternatives to Netflix, I'd recommend looking at Vudu - it's WalMart's movie streaming service that competes with Netflix. Vudu does a lot of neat things - one can convert some DVDs one already owns (or borrows) to digital copies for a nominal fee, one can buy digital movies, often at huge discounts (there's always some kind of sale going on), one can download movies one owns to a computer for viewing where there's no internet connection (international flight), and Vudu has movies, often in HD (HDX) that have never been released on DVD (Pursuit of D.B. Cooper) and movies that even Amazon doesn't offer in HD (Dr. Goldfoot and the Bikini Machine) Vudu also has a large number of movies that one can watch for free with minimal ads - the ads are, as much as ads can be, 'nice' because they're ads from 'pleasant' national advertisers such as Target. Sling, etc. Nothing ruins watching an episode of 'Gilligan's Island' or 'I Dream of Jeannie' on local broadcast TV quicker than ads for adult diapers or a local nursing home or the ASPCA - those ads make me feel really old and harsh my mellow. Vudu changes the free movies frequently and there is usually quite a few very good movies for any taste there; they're usually just few years old, but occasionally there are 'classics' and 'just released' films
  12. A modem, such as a cable modem or DSL modem aren't designed to do 'network things', such as a VPN; their function is to give one a connection to the ISP (Internet Service Provider) and from there to the internet or the ISP's programming, e.g., if one's ISP is also a content provider, such as a cable company. That being said, some ISP provide a box that has both the modem and a very basic wired/wireless router together; those are desirable from the ISP's point of view for two major reasons - the ISP can charge the customer more for the monthly rental of the box and the ISP can 'lock down' the router sdie of the box to control exactly what the customer, network-wise, can do with the wired/wireless router part of the box. The only thing one really needs from the ISP is the modem - it's always better to buy one's own router for connecting multiple wired or wireless devices. By buying one's own router, one can get a router that performs well, for example, wireless over longer distances, connecting multiple wired devices, ensuring that one's network security is maximized, and configuring things like a VPN or prioritizing internet traffic, such as preferring dad's Netflix viewing over the kid's online gaming in the evening. If one wishes to set a VPN connection at the router level rather than for each individual device, such as a computer or cellphone, the best place to start looking is at routers from Asus; Asus has been around forever and makes great consumer-level routers and most of their mid- and high-level consumer routers have VPN capability baked in.
  13. Thanks for the kind words; I appreciate it
  14. I just tinkered with my VPN configuration and I'm seeing everything in my Netflix and Vudu queues so all's good
  15. I'm using a VPN service (PureVPN) so there really isn't anything to configure. It's based in Hong Kong and is one of the larger, more privacy-focused services (at least as far as their stated policy goes), has been around for a long time and is very stable, so I'm guessing that stability has allowed a 'cat' (Netflix) that doesn't like 'mice' (VPNs) to catch one. I do seem to recall that PureVPN has a connection for Netflix use, but I haven't tried it since I'm in the States and don't need it for Netflix. I use the VPN because there are still some sites out there that don't use 'https' connections and for when I want a bit of privacy. I've been looking into and considering rolling my own VPN server for use down the road when I'll really need it.
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