Search found 300 matches

by Lacrocious
Tue Jan 16, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 11
Views: 749

Re: Best rock solid router with vpn server and guest network

Another Asus fan here - RT-AC68W (W = White). Used with Merlin firmware. Merlin focuses on improving the open source Asus firmware, not necessarily adding every bell and whistle like some 3rd party firmware. I love the work on QOS that FreshJR did to provide a script to tweak the QOS Settings so it ...
by Lacrocious
Sat Jan 13, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to enter transactions into finance software
Replies: 7
Views: 294

Re: How to enter transactions into finance software

Quicken and old MS Money user here - I don't know Moneyspire either. One common theme over the years about entering mutual fund purchases by hand into Quicken or MS Money is that the program needs the math to work out. For example, one of our accounts used to provide the price to only cents (ie: $21...
by Lacrocious
Sat Jan 13, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 1167

Re: Storing Important Documents Online

Do you use a Password Manager (LastPass, Dashlane, 1Password, etc.)? Most allow you to store other documents. I am use LastPass and you can store memos to yourself and include an attachment. It would be stored encrypted like all your passwords are encrypted. I can access the memos and passwords from...
by Lacrocious
Sun Jan 07, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 491
Views: 62958

Re: Quicken's future direction - a cause for concern

I took 87 different expense categories (and sub-cats) and merged/redefined them into 11. Yes, eleven! Very broad groupings--Medical is just that. Before I had 7 sub-cats under it. Before I had Meals, Travel, Movies, yada yada, now one called Lifestyle. And all the various stuff we buy is simply "St...
by Lacrocious
Sun Dec 17, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why You Took an Adjustable Rate Mortgage?
Replies: 43
Views: 3218

Re: Why You Took an Adjustable Rate Mortgage?

Also a PenFed 5/5 30 year arm at 2.5%. I agree, with Halfvolley, the break-even of the PenFed ARM at the worst case scenario of 2% increases each 5 year period, up to the max of 5% increase was close to 14 years over the then current 30 year fixed. We are 4.3 years into the ARM. While our initially ...
by Lacrocious
Thu Nov 16, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2383

Re: Keep old cards active by paying yourself?

How about a $1 Amazon Gift Card? +1 on Amazon Gift Cards. Buy a minimal amount electronic gift card emailed to yourself. Take the code from your email and apply it to your Amazon account. During your next Amazon purchase, use the gift card balance first. I have done this a few times now to keep car...
by Lacrocious
Mon Oct 23, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 83
Views: 6589

Re: Password Protection

LastPass has gone the opposite direction. Their Free version used to not do the synchronization between devices. It was didn't have many limits except the synchronization - which means you could try it out for free, but if you want passwords on your phone and tablet and laptops - you had to pop for ...
by Lacrocious
Thu Oct 12, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3699

Re: Verizon TravelPass

It's expensive, but it just worked. We were in London and Paris the end of September. We were going to get SIMS, but ended up not dealing with it as we wanted to get our text's from home for things like CC fraud alerts in case there were issues while traveling. Next time we travel internationally, w...
by Lacrocious
Thu Oct 12, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1926

Re: Visiting Paris - should we buy tickets in advance?

We were in London and Paris the last half of Sept. No issues getting Euros from ATMs - opened a Capital One Checking for the debit card with no foreign transaction fees. No issues. Used our Barclays Arrival Plus MC for most every other purchase. Again, no fees and Pin for the Metro station. It is a ...
by Lacrocious
Tue Sep 12, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 1119

Re: Need Cloud Back-Up Service For Mac

I purchased a subscription to IDrive now that I will be losing CrashPlan. It looked like a perfect single-source solution that could handle a family of computers relatively inexpensively. I had issues immediately and was never able to backup a single byte of data. I submitted tickets to their suppor...
by Lacrocious
Tue Aug 22, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 5471

Re: Eclipse Traffic: predictions vs reality?

We went from Charleston, IL (By Eastern Illinois University) to Carbondale (Southern Illinois Univiersity) - took about 2:45 in stead of planned 2:30 - we left around 6:30AM to get there around 9AM. Traffic was fine. We had a few quick stops on the freeway, but nothing bad. Leaving, we were heading ...
by Lacrocious
Thu May 18, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Suggested Reading or Advice for Father-to-be
Replies: 28
Views: 2676

Re: Suggested Reading or Advice for Father-to-be

It's been 19+ years for us, but the "What to Expect..." books were always helpful. No clue if they have been updated or anything.
- L
by Lacrocious
Wed May 10, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8568

Re: Time savers - life on automation

We did a similar garage light thing, with a slight twist. We purchased a light timer from Home Depot that replaces a switch. The front outside garage and porch lights were on this circuit with switches in the garage and inside the front door. The timer handles the dual-pole switching. You can set mu...
by Lacrocious
Wed May 10, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 9
Views: 2309

Re: PenFed rate reset?

@psychoslowmatic Thank you for the link. I will keep an eye out at PenFed online. I am a month or two away from the 9 month window. I don't like the idea of my 2.5% increasing - but if I can lock in a lower rate - that may be worth it. I will have to look over costs vs. how much longer we will stay ...
by Lacrocious
Tue May 09, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: OnTrajectory [Financial planning tool]
Replies: 2
Views: 701

Re: OnTrajectory [Financial planning tool]

I tried it a few months ago and it felt "new", which it was. They seem to be updating it like gangbusters. I even paid the $3 for a month to see what it looked like. There were some initial shortcomings in account entries and some funkiness in data entry - but the ones I saw were cleaned up pretty q...
by Lacrocious
Tue May 09, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 9
Views: 2309

Re: PenFed rate reset?

...I logged onto my account last night and for $250 I can fill out some online form to reset my rate immediately to 2.9%.... Hi Hoosierdom, I am in a similar boat - my rate 5/5 ARM will change in summer 2018. Where do you see the info on the $250 rate reset and the 2.9% rate? All the current rates ...
by Lacrocious
Tue Apr 18, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 18498

Re: New phone..any advantages to buying at Costco?

Once you stop making payments, either early or on time, they increase your rate plan. There is definitely an incentive to keep buying new phones. Not a very well publicized feature of the plan kjvm I never had that happen, and actually had the reverse occur. When we were previously on contract for ...
by Lacrocious
Mon Apr 17, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 18498

Re: New phone..any advantages to buying at Costco?

No - Costco doesn't "only sell contract phones". The last phones we purchased - iPhone 6s - back in fall 2015 and a Galaxy S7 in Summer 2016 were all under the current purchase options where you either purchase outright or on a 24month, 0 interest payment schedule. Obviously, a contract is required...
by Lacrocious
Sun Apr 16, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 18498

Re: New phone..any advantages to buying at Costco?

No - Costco doesn't "only sell contract phones". The last phones we purchased - iPhone 6s - back in fall 2015 and a Galaxy S7 in Summer 2016 were all under the current purchase options where you either purchase outright or on a 24month, 0 interest payment schedule. Obviously, a contract is required ...
by Lacrocious
Sat Apr 15, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5811

Re: What do you do with your coins?

I estimate that it would take me 72 years to generate $430 of excess change. I don't know how this is possible in the 21st century... I know :D - larger than our ~$30 / year that we normally do. Back with the state quarters first came out, the kids were collecting them. We ended up saving every qua...
by Lacrocious
Fri Apr 14, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5811

Re: What do you do with your coins?

Just took $430 in coin to my bank. Walked out with a deposit to my checking account. I don't know, but I guess I think that Money is a function of banks - so they should take my money and deposit it. It took about 2 minutes to count the coins, and that was only because they had to change a bag it du...
by Lacrocious
Sat Mar 18, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 13985

Re: What to do with all these passwords ?

Thank you for your very informative information. I have an iphone 6. I guess I mostly use specific apps to access accounts and not Safari or Chrome due to the ease of use with my phone so I still have to copy and paste. It isn't really difficult because when I open up the Lastpass app and then go i...
by Lacrocious
Thu Mar 16, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 13985

Re: What to do with all these passwords ?

I installed Last Pass yesterday but have a few questions for those in the know.... 3. I've found that Last Pass on my smart phone only pulls up the websites through the Last Pass app. If I need or want to use the smart phone app for a particular site, I have to copy the password from the Last Pass ...
by Lacrocious
Tue Feb 21, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2495

Re: Differences between TurboTax and H&R Block

I switched from TurboTax to HRBlock precisely because TT was being "too helpful" (in an incorrect manner) with respect to education tax benefits. TT had some sort of education benefit "optimizer" that was supposed to compute the optimal mix of education benefits. I had two part-...
by Lacrocious
Tue Feb 21, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2495

Re: Differences between TurboTax and H&R Block

Ive had no problems using HRBlock for education credits, but I think everyone should read the publications because they are often better than the TurboTax interview questions. I agree, you should understand what you are filling into the interviews and reference the IRS publications as needed. Since...
by Lacrocious
Tue Feb 21, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2495

Re: Differences between TurboTax and H&R Block

What version and year of H&R Block did you run into this? I wonder if other people have encountered this with different versions of the application (perhaps it's been fixed or improved)? The latest version of deluxe for tax year 2016. The chat offered no other way to accomplish the entry. Searc...
by Lacrocious
Tue Feb 21, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 2495

Re: Differences between TurboTax and H&R Block

Another difference is in handling college spending. If you make too much to take the various education credits/discounts - H&R Block doesn't let you enter in educational spending - even if it would apply to 529 withdrawls. H&R Block's interview question for 529 withdrawals a single question ...
by Lacrocious
Mon Jan 30, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: How to enter a Roth conversion into Quicken?
Replies: 11
Views: 2842

Re: How to enter a Roth conversion into Quicken?

For your back filling of transactions - keep in mind that if you do buy shares with a "Bought" or "BoughtX" transaction, the money needs to come from either the current account balance or another account. Do you have Quicken history going back that far? Do you have a savings/chec...
by Lacrocious
Sun Jan 29, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to enter a Roth conversion into Quicken?
Replies: 11
Views: 2842

Re: How to enter a Roth conversion into Quicken?

That makes sense. The Contrib you see is the other end of the SoldX transaction (combination of Sold + Transfer) Quicken doesn't know about the logic of your other Vanguard accounts - so doesn't know you transferred from one to the other. You need to provide that info. You can either do a Sold + Tra...
by Lacrocious
Thu Jan 26, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to enter a Roth conversion into Quicken?
Replies: 11
Views: 2842

Re: How to enter a Roth conversion into Quicken?

Yes - this is the right way. I just did a contribution to my TIRA from a Taxable account as the first step in a back-door Roth. Here is how the downloaded transactions came through from Vanguard and what I changed to make the money flow from account to account: The downloaded transaction in the Taxa...
by Lacrocious
Sun Jan 15, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 7648

Re: To those with a pension...

Not retired yet - <5 years to go. A) - No - Pensions and SS are a income stream that will reduce the amount I need to pull from savings. We have a hard time saying these are "Guaranteed Streams of Income". Companies can change/reduce/cut pensions and Governments can change SS payments. Whi...
by Lacrocious
Wed Jan 11, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3402

Re: Trip to Kona, Hawaii - Suggestions

dumbbunny wrote:... And the Da Poke Shack on Ali'i Drive ...


YES! Da Poke Shack was great if you like Poke! Would also highly recommend "Umekes Fishmarket Bar and Grill" - in that same area - near Ali'i Drive and Hualalai Rd.

- L
by Lacrocious
Wed Jan 11, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3402

Re: Trip to Kona, Hawaii - Suggestions

We were on the Big Island at the end of October 2016. We spent the last 4 days in Volcano. We didn't hike out to the ocean entry - ~8 miles round trip was more than we wanted to do. We were able to see eruptions in Volcano National Park - Kīlauea Volcano from the Jaggar Museum. We didn't get picture...
by Lacrocious
Wed Jan 04, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken
Replies: 33
Views: 2982

Re: Quicken

Normally the next evening. Not sure why it takes a day.
- L
by Lacrocious
Mon Dec 26, 2016 11:38 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 4819

Re: Best Ear Buds for Running

Another suggestion for Plantronics BackBeat Fit - they are great. Comfortable, decent sound (not great - as they don't block surrounding sounds like ear buds), they stay in and have great, 8hr battery life, simple controls for music, calls are good as well - no complaints by anybody when I use them....
by Lacrocious
Tue Dec 06, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you prefer????
Replies: 23
Views: 2605

Re: Any particular oven toaster you preffer????

Those of you that have suggested specific toaster ovens (Brevel, Cuisinart, etc.) Can you tell me if they Ding real loud when you stop toasting or open the oven door? That is a pet peeve - when I shop for one. Our current toaster oven - ~20 years old - has a muted ding. Those I try in the store seem...
by Lacrocious
Thu Jul 21, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker prohibiting me from refinancing
Replies: 18
Views: 3088

Re: Mortgage broker prohibiting me from refinancing

This is pretty common, PenFed has a similar rule which I think is for 2 years instead of 6 months. Yes - PenFed does this - but their paperwork is very clear about the claw-back of closing costs; the time frame and the monthly amount the claw-back goes down by, until it gets to 0 at 2 years. It is ...
by Lacrocious
Thu Apr 14, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 15
Views: 2925

Re: Help please - Vanguard money market causes Quicken to be incorrect

I have been using Quicken for years w/Vanguard and no issues, currently Q2015. Do you all have brokerage accounts that you have Money Market accounts? I just have mutual funds. Currently, I have 1 Quicken account for each Vanguard account (ie: general savings, Roth, etc.). Each Vanguard account has ...
by Lacrocious
Thu Mar 31, 2016 7:37 pm
Forum: Personal Consumer Issues
Topic: Price on 2016 QX60
Replies: 6
Views: 932

Re: Price on 2016 QX60

I haven't used it other than for reference, but they say you can get a dealer price from them for around that amount - may be worth checking further. Maybe someone else can speak to it more.
by Lacrocious
Thu Mar 31, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Price on 2016 QX60
Replies: 6
Views: 932

Re: Price on 2016 QX60

TruCar.com shows approx 43K for your base and approx 45K for with the package. Obviously, price it out yourself in case I didn't choose the options you have in mind.

- L
by Lacrocious
Sat Mar 19, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Podcasts for family road trip
Replies: 12
Views: 1791

Re: Podcasts for family road trip

Not a podcast, but I would recommend "The Martian" book - yes the book for the recent Matt Damon movie. We listened to it on a road trip last spring and it was great!

- L
by Lacrocious
Mon Mar 07, 2016 12:50 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 4057

Re: Anything to look for when buying a fridge?

If you are looking at Counter-Depth - you will be constrained in size - most are around 19cu foot. Kitchenaid makes a 22cu foot, but it is taller than normal by about 2 inches. It was worth it, but not cheap. Had to raise the upper cabinet a bit to fit it in - but the extra space is nice. I would al...
by Lacrocious
Thu Feb 04, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Money Dance-track split expenses
Replies: 5
Views: 904

Re: Money Dance-track split expenses

Your welcome. That comes from many years of Quicken then MS Money and then Quicken usage. The use of a cash account has been a life saver with trying to do more complicated things like mortgages with points, refinances - anything where you need to split up a pool of money into various categories. If...
by Lacrocious
Wed Feb 03, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Money Dance-track split expenses
Replies: 5
Views: 904

Re: Money Dance-track split expenses

I use Quicken, but the concept is the same for MoneyDance - follow the money. As Carson wrote, there are multiple ways to look at this. This is what we have done in the past: 1) Create a "Cash" account. This account can be a clearing house for cash to/from the girls or other things. Normal...
by Lacrocious
Sat Jan 30, 2016 11:17 pm
Forum: Personal Consumer Issues
Topic: Manual can opener recommendation
Replies: 45
Views: 5094

Re: Manual can opener recommendation

This EZ-DUZ-IT works great. http://www.amazon.com/gp/product/B008AWCI8M?psc=1&redirect=true&ref_=oh_aui_search_detailpage

Purchased in 2014 and is going strong.
- L
by Lacrocious
Thu Jan 28, 2016 12:56 am
Forum: Investing - Help with Personal Investments
Topic: How to implement a glide path
Replies: 38
Views: 3722

Re: How to implement a glide path

We do the same thing. Every January I adjust our current allocation down by about ~1.5%. As hnzw rui stated, that is noise with respect to my current allocation. It just isn't that big of a change, so it doesn't cause me to rebalance or move funds around. I do that based on my investment plan. Since...
by Lacrocious
Tue Jan 19, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Home WiFi extender
Replies: 20
Views: 1911

Re: Home WiFi extender

Another vote for Powerline adapters. Used http://www.amazon.com/Netgear-Powerline-500-Wi-Fi-XWNB5221-100PAS/dp/B0111MRE68/ref=sr_1_8?ie=UTF8&qid=1453252889&sr=8-8&keywords=netgear+powerline at my daughters college house. Her room was on the opposite side of the house from the cable modem...
by Lacrocious
Thu Jan 07, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Cheap source of Science Diet Optimal Care cat food?
Replies: 25
Views: 2631

Re: Cheap source of Science Diet Optimal Care cat food?

Ignoring the pros & cons of Science Diet cat food that others are bringing up, the cheapest place we have found it in the past is a Farm & Fleet store.

- L
by Lacrocious
Thu Jan 07, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: Gas fireplace for heat
Replies: 26
Views: 3573

Re: Gas fireplace for heat

Definitely look at those that act as a furnace and work without power. The one we put in our basement is furnace rated, comes with a thermostat remote that uses batteries and power for the controller. It also uses a Pilot Light and has manual gas controls, so if power goes out - we can manually turn...
by Lacrocious
Wed Dec 23, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Beef roast
Replies: 124
Views: 11606

Re: Beef roast

I roasted one yesterday - started out at 9.3lbs before trimming. I followed info from Amazing Ribs - http://amazingribs.com/recipes/beef/prime_rib_roast.html - He explains the reverse sear method as well as how to trim. We enjoyed it greatly. If you follow his directions, you cook off the bones. I j...