Search found 231 matches

Return to advanced search

Re: Ugh, Another Mortgage Question - Help Me Decide

We had similar questions last year around the mortgage. The one difference is we plan on staying in the house the ~3 years until our son is out of high school. We may move at that point to be closer to work. That and the 2.5% PenFed, no closing cost 5/5 ARM made it an easier choice. If we decide to ...
by Lacrocious
Mon Apr 14, 2014 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ugh, Another Mortgage Question - Help Me Decide
Replies: 10
Views: 1057

Re: Hand held illuminated magnifying glass

Paper200 - I would also add that as the MD progresses, my Grandma found the Bump-On tactile markers (http://www.lssproducts.com/product/bump-dot-tactile-markers-white-medium/label-identification) were a lifesaver. She loved to cook, but couldn't read the stove - so she had one or two of the bumps at...
by Lacrocious
Mon Apr 14, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 767

Re: Hand held illuminated magnifying glass

We are looking for a 6X or higher magnification with diameter more than 2 inches good quality hand held magnifying glass for my Father-in-law. We have looked into Schweizer and Eschenbach. Any recommendation will be helpful. Googled a lot but still not comfortable. Thanks My grandmother also had ma...
by Lacrocious
Mon Apr 14, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 767

Re: LED bulb prices

The best I've come across in the northeast has been a costco in the new haven area. A few weeks ago, they were carrying a 3 pack of 40 watter's for $9.99. I do not have any feedback of the brand; we haven't bought any of these yet. (not sure how to post the picture I took; zooming in it appears to ...
by Lacrocious
Mon Apr 14, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8130

Re: best tips for passwords?

2) If I decide to dump RoboForm altogether is there any way to import my PW into a new program like Last Past or Keepass ro do I have to do everything manually? Nonnie I can confirm that LastPass can import RoboForm passwords without issue. I did it maybe 4 years ago. The small amount to allow you ...
by Lacrocious
Tue Apr 01, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8460

Re: Prepayment Penalties and House Loans

I haven't heard of real prepayment penalties for some time now. The only thing I know of that is similar, but not exact is with the PenFed 5/5 ARM. When we refinanced with PenFed last Spring, they had a No Closing Cost promotion on their 5/5 ARM. The deal was no closing costs, but you had to agree t...
by Lacrocious
Wed Mar 19, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepayment Penalties and House Loans
Replies: 5
Views: 292

Re: "Getting Real About Retirement"

My wife is the Engineer, so I can't claim to be one without hearing about it :mrgreen: - although I pretended to be one in college for a few years until I found my non-engineer calling.

I do most of the spreadsheets, although she reviews and is is good at them herself.

- L
by Lacrocious
Sun Mar 16, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3045

Re: Backblaze (cloud backup)

I have not used Backblaze. I do use and recommend CrashPlan. Regardless of what you use, be sure to periodically restore at least a portion of your files from all locations you backup to (I backup to the clould and a local desktop) so that you know that your backup is valid. If you don't test, you d...
by Lacrocious
Fri Mar 14, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: Backblaze (cloud backup)
Replies: 11
Views: 581

Re: your lowest exspense ratio fund in 401

Wifes 457 deferred comp: - Stock: Vanguard Institutional Index Instl PL (tracks Index 500) - .02 - Bond: BlackRock US Debt Index Fund Coll W (Tracks Barclays US Aggregate Bond Index) - .05 On top of those, a $5.50 per quarter fee. My 401K: - Stock: Fidelity US Equity Index (Index 500 + ) - .04 - Bon...
by Lacrocious
Sun Mar 09, 2014 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1570

Re: Costco vs BJs vs Sams Club

Our Costco has sales people at various times. When you enter, many times there is a Direct TV person asking if you have heard their specials. I just say Yes and get a "OK - have a nice day" in return. They are there, but not pushy. They occasionally have demo stands in the store for produc...
by Lacrocious
Sun Mar 09, 2014 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4009

Re: Things to do in St.Louis with a toddler

Check out the City Museum. Pretty cool place, just make sure you keep your eyes on your kids ;-) It's basically a giant playhouse. http://www.citymuseum.org/ City Museum is great - but not for a 17 month old. If you are willing to follow - then I would say ages 6 and up, otherwise whatever age you ...
by Lacrocious
Mon Feb 24, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 15
Views: 603

Re: Back Up Computer Options

I use Crashplan Family for the family including my work files as an extra backup on top of the one at work (yes, my job is ok with this). I have not had to use the back up in a serious way, but did one time need a backed-up file remotely and it was super easy to retrieve. If you are serious about u...
by Lacrocious
Mon Feb 24, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2143

Re: Data security (removing old TaxAct files)

I haven't used the feature, but CC Cleaner (https://www.piriform.com/ccleaner) has a feature to wipe a whole drive, or just the free space. It looks to do a secure, multi-pass overwrite of free space. So you could try that - erase the files then use the CC Cleaner free-space wipe tool to securely er...
by Lacrocious
Thu Feb 20, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 589

Re: What to do with small prepaid credit cards

I usually buy myself an Amazon gift card for the exact amount and credit it right away to my account. Over time, the credit gets used. +1 - Amazon is the easiest I have run into. Otherwise, I visit my local cell phone company. They know how to handle them as they give out so many with cell phone pu...
by Lacrocious
Thu Feb 20, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with small prepaid credit cards
Replies: 47
Views: 1833

Re: best tips for passwords?

thanks for all the help everyone! ...if you have a different password for every site AND they are long/complicated, how do you remember them all? or is that why you use lastpass? without it, it seems almost impossible to remember many different complicated passwords.... Yes - that is why I use a pa...
by Lacrocious
Sun Feb 16, 2014 8:36 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8460

Re: best tips for passwords?

To be as safe as possible, go with random character passwords that are hard to remember and hard to type - as long as the site allows with as many different character types as you can (Upper case, lower case letters; numbers; symbols). Some sites restrict length or don't allow symbols, etc. I wouldn...
by Lacrocious
Sun Feb 16, 2014 1:25 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8460

Re: Your mortgage type, if any [POLL]

Current: PenFed 5/5 ARM at 2.5% - no closing costs. Previously (reverse order over 12 years) 15yr FRM at 3.375 30yr FRM at 4.375 30yr FRM at 5.5 30yr FRM at 6.375 30yr FRM at 7 In all cases, made it through the payback period for any closing costs. In most cases, we paid extra principle. Currently w...
by Lacrocious
Thu Feb 06, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3511

Re: LED lightbulbs

I have a Cree from Home Depot - it is OK. I really like the Feit Electric LED's for a 40W replacement. Costco has a 3-pack for around $18. They have a 60W replacement that gives good light, but not quite as good as the 40W replacements. The 60W replacement bulb is a little squat, so the light spread...
by Lacrocious
Wed Jan 15, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 186
Views: 13776

Re: Spring vacation ideas

We did many car vacations when the kids were younger. We tried to spend no more than a day driving (or at least a day plus a short drive the next day). From Wisconsin, we hit places like Springfield, IL, St. Louis (multiple times), Kentucky (Mammoth Cave, Kentucky Horse Park, Louisville), Chicago, M...
by Lacrocious
Wed Jan 15, 2014 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Spring vacation ideas
Replies: 6
Views: 656

Re: Finished Basement Ideas

I finished my basement about 10 years ago. It was a great experience - did all but hang drywall (guess I am lazy and it is heavy). To future proof your entertainment areas - I would suggest running some kind of tubing in the walls so you can easily pull additional cable (network, cable, hdmi, speake...
by Lacrocious
Wed Jan 15, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2019

Re: Password Management Programs

....I do have it installed on a phone but never use it since its not compatible with the phone browser I use..... The latest upgrade to LastPass 3 for smart phones (at least Android) greatly improved the embedded browser. I don't use that browser normally, but for checking something quick, it just ...
by Lacrocious
Thu Dec 12, 2013 12:31 am
 
Forum: Personal Consumer Issues
Topic: Password Management Programs
Replies: 45
Views: 2572

Re: Can Teamviewer be used to spy on my computer files?

I have used TeamViewer for years - don't let this experience keep you from using Team Viewer for legitimate purposes. Your phone call WAS NOT a legitimate purpose! As others have stated, it is a SCAM, you may already have a virus (scan for it with multiple tools - your Antivirus; also, MalwareBytes,...
by Lacrocious
Thu Dec 12, 2013 12:25 am
 
Forum: Personal Consumer Issues
Topic: Can Teamviewer be used to spy on my computer files?
Replies: 25
Views: 3130

Re: Question concerning elderly Mom and Stepfather

I can only suggest getting an appropriate lawyer involved. I expect it can be done - but must be done right for the laws of your state. From recent experience - a husband remarried, but passed away 4 years later. His will leaves his estate to his children. His new wife is beneficiary of some account...
by Lacrocious
Sun Dec 01, 2013 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question concerning elderly Mom and Stepfather
Replies: 27
Views: 1652

Re: Quicken Strategies [Migration from MS Money]

I did the conversion a few years back when MS Money went unsupported. If you want your history in Quicken, I would suggest: 1) Back up your MS Money multiple times - this is your starting point - so protect it well! Multiple copies on multiple computers and/or flash drives. 2) Validate your MS Money...
by Lacrocious
Sat Nov 30, 2013 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken Strategies [Migration from MS Money]
Replies: 5
Views: 580

Re: iPad deal at Target

Successfully traded in our iPad 1 for a $200 Target gift card. It could be used for anything at Target - standard gift card format. The new iPad Air is nice. It's my wifes and we had been talking about getting a new one for Christmas this year - so Santa came early and it saved us about $130 (iPad 1...
by Lacrocious
Fri Nov 08, 2013 9:08 pm
 
Forum: Personal Consumer Issues
Topic: iPad deal at Target
Replies: 23
Views: 3914

Re: Refinance the house I just bought?

Did the PenFed 5/5 ARM at 2.5% in June 2013. Closing went fairly quickly and had almost 0 fees. They paid all closing costs, but there were a few fees that had to be paid outright to the tune of ~$30-$40 - so no big deal. Yes - they do have a 3-year claw-back on the actual closing costs. They do sho...
by Lacrocious
Fri Nov 01, 2013 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Refinance the house I just bought?
Replies: 3
Views: 473

Re: Amazon Web Services - S3

I rather like crashplan - I use it for offsite as a secondary for my time capsule. Looks good, but it has a syncing problem that we discussed above. If my files are messed up on my computer, it is just going to upload a store the corrupted files if it is automatically syncing. I use CrashPlan as we...
by Lacrocious
Sun Oct 27, 2013 1:15 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Web Services - S3 / Glacier
Replies: 15
Views: 1449

Re: Where to get a mortgage loan...

We have had many mortgages through Wisconsin Mortgage - a broker affiliated with Shorewest. Found a good agent there and refinanced a number of times though 3 houses. Closing costs were always in the $1000-$1400 range - reasonable for the loans we were getting. Our last refinance was with Pentagon F...
by Lacrocious
Sun Oct 20, 2013 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Where to get a mortgage loan...
Replies: 11
Views: 1257

Re: PenFed 5/5 ARM at 2.875%??!!

I'm pretty sure you can pay off the loan before the 24 months or 36 months or whatever. You just have to repay prorata the closing costs that they paid for you. I agree with this - we closed at 2.5% in June. We have the 36 month claw-back of closing costs - and they are pro-rated on a month by mont...
by Lacrocious
Wed Oct 02, 2013 10:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 7919

Re: Looking for Uninterrupted Power Source for Computer

I agree with BrandonBogle - I like APC, but there are other brands that would work. I always look for the conditioning models. It is worth a little more to get nice, clean power.

- L
by Lacrocious
Thu Aug 29, 2013 9:00 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Uninterrupted Power Source for Computer
Replies: 27
Views: 1712

Re: Riding Lawn Mower

Nobody has mentioned Simplicity yet. I have about a 1/3 acre - not normally big enough for a rider - but I was given a tractor from my dad who got it from my grandfather. He got it about 31 years ago. It is still going strong. Its an occasional tune up, blade sharpen, and new battery. The transmissi...
by Lacrocious
Fri Aug 23, 2013 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 22
Views: 2402

Re: [Can you recommend]A spectacular movie, and a terrible m

Bob.Beeman wrote:...Terrible: Howard the Duck http://www.imdb.com/title/tt0091225/

- Bob Beeman


Ouch! My aching head! Even lot's (and I mean lots!) of beer doesn't help Howard the Duck!

- L
by Lacrocious
Mon Jul 22, 2013 9:38 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9160

Re: Should I Refinance?

...Thats really encouraging...I've heard some nightmare stores of numerous loan processors being assigned and whatnot. I like the idea of one for the whole process. Hopefully thats how penfed operates. I have some more googling to do though.... All I can say is that we were assigned 1 loan processo...
by Lacrocious
Wed Jul 17, 2013 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance?
Replies: 24
Views: 1807

Re: Should I Refinance?

I will let others help you determine if the PenFed 5/5 ARM is right for you, but we just closed last Wednesday, and the loan funded today (3rd business day). we received the 2.5%, no closing cost 5/5 ARM - it is right for us. There is a 3 year, prorated monthly, payback of closing costs if you payof...
by Lacrocious
Tue Jul 16, 2013 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance?
Replies: 24
Views: 1807

Re: [Can you recommend]A spectacular movie, and a terrible m

Bad Movie - Judge Dredd (original with Sylvester Stalone)

Good Movie - Shawshank Redemption

- L
by Lacrocious
Fri Jul 12, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 9160

Re: buying a new laptop

The biggest thing I look for in a laptop is screen size and resolution. To me, this is the most important part of the laptop. Most consumer laptops come these days with approximately a 1400x768 pixel screen. To me, that just isn't enough pixels. I can't see enough on the screen without scrolling tha...
by Lacrocious
Wed May 29, 2013 1:02 am
 
Forum: Personal Consumer Issues
Topic: buying a new laptop
Replies: 53
Views: 4719

Re: Method of Selecting: What Book are you reading now?

My wife and I have been tracking books we read via [url]GoodReads.com[/url]. You can make lists of books "to read" and track that way if you want. Alternately, I have gotten more into [url]fictfact.com[/url] - which tracks series - and gives you updates when new books are released in serie...
by Lacrocious
Sun May 26, 2013 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Method of Selecting: What Book are you reading now?
Replies: 32
Views: 2597

Re: grass trimmer?

Had a Black and Decker 18v for years - worked well until the batteries started dying - as is normal for a NiCad battery pack to do. No issue with quality there. Purchased a Black and Decker Cordless drill with two new battery packs for much less than just the packs themselves - Bonus drill! Those st...
by Lacrocious
Sun Mar 10, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: grass trimmer?
Replies: 18
Views: 1161

Re: Which Midsize SUV should I buy?

Ah - didn't see anything on the 2013's and didn't look. Now you have me curious. I will have to work at shutting off that part of the brain that says "I NEED that new car!". It starts singing to me when I read threads like this and go to car websites. :D

- L
by Lacrocious
Fri Jan 04, 2013 9:49 am
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 5817

Re: Which Midsize SUV should I buy?

Didn't know - but a quick look at Toyota's web site and it shows a 3.5L v6 - 269HP w/mileage of 19/27.

http://www.toyota.com/rav4/specs.html

- L
by Lacrocious
Fri Jan 04, 2013 1:13 am
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 5817

Re: Which Midsize SUV should I buy?

4 years ago looked closely at the Toyota Rav4 - much bigger than they were originally. Good towing capacity (#3000), V6 with decent gas mileage. We ended up going with the Toyota Sienna minivan -it just gave much more cargo space when not towing, and had the same towing capacity. We have been enjoyi...
by Lacrocious
Thu Jan 03, 2013 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 5817

Re: How to get email to use gmail and not outlook?

I had this problem with my parents as they converted to using Yahoo WebMail from Windows Mail. They would try to use Picasa or some other app to automatically send mail and it would launch Outlook or other local programs. I know that Chrome and other browsers can handle MailTo links, but not other p...
by Lacrocious
Thu Dec 27, 2012 11:53 am
 
Forum: Personal Consumer Issues
Topic: How to get email to use gmail and not outlook?
Replies: 35
Views: 2306

Re: Personal finance books for newlyweds

livesoft wrote:Perhaps a tome such as Jane Bryant Quinn's "Making the Most of Your Money" would be good? It would be a good reference book for insurance, savings, wills, loans, credit cards, etc, etc....


20+ years ago we bought that book and it was a great assistance! Highly recommended!
- L
by Lacrocious
Mon Dec 10, 2012 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance books for newlyweds
Replies: 13
Views: 1191

Re: Would you refi this 15y jumbo: 3.625 to 3.125%?

Go to the Mortgage Professor website and see the refinance calculators. He has many types and one should fit your needs. They all start from today, the interest paid to Refi A. are sunk costs already. Use the current balance of the current loan as your starting point. You really only need to look at...
by Lacrocious
Sun Oct 28, 2012 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you refi this 15y jumbo: 3.625 to 3.125%?
Replies: 8
Views: 978

Re: HSBC Advance Online Savings- fee to transfer money?

I got the same letter. It sure looks to me like transfers into the account are charged the fee. No mention of Wire Transfer only.

- L
by Lacrocious
Tue Aug 21, 2012 10:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSBC Advance Online Savings- fee to transfer money?
Replies: 8
Views: 1011

Re: Hardiboard vs. Composite Siding

We have Hardiplank on our 12 year old house. It was installed primed and painted on-site. We re-painted this year. The cedar trim around the windows and the soffits needed the painting. The siding looked fine - no pealing, cracking, etc. The south side exposed to the sun was a bit more faded than th...
by Lacrocious
Thu Aug 09, 2012 12:51 am
 
Forum: Personal Consumer Issues
Topic: Hardiboard vs. Composite Siding
Replies: 22
Views: 7300

Re: Update-Help me choose home theater system from Costco

...I purchased a Yamaha ATS-1010 sound bar at Costco. ...want a relatively cheap way to upgrade the sound, I highly recommend this Yamaha sound bar. We picked up one of these about 6 months ago for our "second" TV. We have the basement Home Theater with surround speakers, amp, sub-woofer,...
by Lacrocious
Tue Aug 07, 2012 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me choose home theater system from Costco
Replies: 23
Views: 3367

Re: Inheritance for Mentally disabled person

I don't have direct experience, but I have friends with family members with special needs. Some get financial assistance - because the special needs person is an "adult". They have to be careful of inheritances and gifts, because even something considered a minor gift could be enough to ge...
by Lacrocious
Wed Jul 25, 2012 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance for Mentally disabled person
Replies: 8
Views: 1016

Re: How many times have you refinanced?

We are on #5 - last was November 2011 with 3.375 for 15 years. Looking into a 2.75 for 15 years w/$1400 closing costs. Payback based on mortgage comparisons on Mortgage Professor website is about 18 months. Need to give it some final thought/discussion with my better half and see if it is a go. - L
by Lacrocious
Mon Jul 16, 2012 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: How many times have you refinanced?
Replies: 27
Views: 2066

Re: Question about refinancing with Amerisave

Please contact Amerisave Customer Service at 866-970-7283 to discuss your experience. We look forward to speaking with you. Thank you! wow that's creepy But also kinda cool. The search companies index everything and Amerisave found a good reason to do data mining - to improve customer service! Kudo...
by Lacrocious
Sat Jun 02, 2012 12:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about refinancing with Amerisave
Replies: 16
Views: 1614
Next

Return to advanced search