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Re: New car and how to handle my father's trade in

When we bought our last car, we did it via email, and then negotiated the trade once we got there. Prior to going to the dealer we stopped at CarMax for about 30 minutes and had them give us a quote. Took that with us. The dealer low-balled us until we pulled out the CarMax quote. Eventually, they m...
by Lacrocious
Sat Sep 27, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1820

Re: Different email everywhere

We registered our domain with Namecheap - [url]http:\\www.namecheap.com[/url]. Registration is ~$10.50 per year, depending the last extension (.com, .net, etc.). They have free email forwarding - so you can set it up and just point the emails so they are forwarded to another account, like a GMAIL, Y...
by Lacrocious
Sun Aug 10, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Different email everywhere
Replies: 5
Views: 1083

Re: Riding Mower Help Needed

I have to put my vote to Simplicity. While I don't have a huge lawn, I was given my grandparents Simplicity tractor. It is going on about 34 years old. It has had the occasional tune up and new blades. Other than that - it just works. I am sure the bigger ones will work well for your size yard. My o...
by Lacrocious
Mon Aug 04, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 44
Views: 2564

Re: Hotel suggestions Washington,DC

sarahjane wrote:Check out the Hampton Inn near Chinatown. See it on Tripadvisor.

We stayed at the Hampton Inn just on the far side of Chinatown from the Mall area. It is about a block off the trolley that takes you to the mall area for (at that time $1). Very convenient and a very nice hotel.
- L
by Lacrocious
Wed May 21, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2200

Re: What it’s like be 100 years old

My grandma passed away last February (2013) at 105. She was an amazing woman. Legally blind with Macro Degeneration for the past 20+ years, although she could see enough to get around and read some things with a 10x magnifier glass (pretty strong!). She lived alone in a retirement community until th...
by Lacrocious
Thu May 08, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6120

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 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ugh, Another Mortgage Question - Help Me Decide
Replies: 10
Views: 1175

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 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 998

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 10:07 pm
 
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 998

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 9:59 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 118
Views: 15679

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 10:01 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 11500

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 8:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepayment Penalties and House Loans
Replies: 5
Views: 304

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 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3290

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 12:09 am
 
Forum: Personal Consumer Issues
Topic: Backblaze (cloud backup)
Replies: 11
Views: 788

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 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1649

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 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 9960

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 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 15
Views: 949

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
Sun Feb 23, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2430

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 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 765

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 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with small prepaid credit cards
Replies: 47
Views: 2271

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 7:36 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 11500

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 12:25 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 11500

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 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 3801

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 8:55 pm
 
Forum: Personal Consumer Issues
Topic: LED lightbulbs
Replies: 196
Views: 16926

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 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Spring vacation ideas
Replies: 6
Views: 718

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 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2487

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
Wed Dec 11, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Password Management Programs
Replies: 45
Views: 3615

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
Wed Dec 11, 2013 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Can Teamviewer be used to spy on my computer files?
Replies: 25
Views: 4334

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 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question concerning elderly Mom and Stepfather
Replies: 27
Views: 1834

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 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken Strategies [Migration from MS Money]
Replies: 5
Views: 718

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 8:08 pm
 
Forum: Personal Consumer Issues
Topic: iPad deal at Target
Replies: 23
Views: 4065

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 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Refinance the house I just bought?
Replies: 3
Views: 500

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 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Web Services - S3 / Glacier
Replies: 15
Views: 1637

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
Sat Oct 19, 2013 11:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to get a mortgage loan...
Replies: 11
Views: 1391

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 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed 5/5 ARM at 2.875%??!!
Replies: 64
Views: 9648

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 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Looking for Uninterrupted Power Source for Computer
Replies: 27
Views: 1869

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 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 29
Views: 8848

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 8:38 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 11004

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 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance?
Replies: 24
Views: 1852

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
Mon Jul 15, 2013 11:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Refinance?
Replies: 24
Views: 1852

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 10:11 pm
 
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 11004

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 12:02 am
 
Forum: Personal Consumer Issues
Topic: buying a new laptop
Replies: 53
Views: 5247

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 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Method of Selecting: What Book are you reading now?
Replies: 32
Views: 2855

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 10:31 pm
 
Forum: Personal Consumer Issues
Topic: grass trimmer?
Replies: 18
Views: 1280

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 8:49 am
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 6491

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 12:13 am
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 6491

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 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Which Midsize SUV should I buy?
Replies: 67
Views: 6491

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 10:53 am
 
Forum: Personal Consumer Issues
Topic: How to get email to use gmail and not outlook?
Replies: 35
Views: 2400

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
Sun Dec 09, 2012 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance books for newlyweds
Replies: 13
Views: 1241

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 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you refi this 15y jumbo: 3.625 to 3.125%?
Replies: 8
Views: 988

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 9:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSBC Advance Online Savings- fee to transfer money?
Replies: 8
Views: 1044
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