Search found 264 matches

by Lacrocious
Thu Jul 21, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker prohibiting me from refinancing
Replies: 18
Views: 2176

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: 14
Views: 1381

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: 733

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: 733

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: 1412

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: 3168

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: 674

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: 674

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: 3253

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: 2796

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: 1576

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: 1582

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: 2759

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: 9331

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...
by Lacrocious
Sun Dec 06, 2015 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Cell Phone Plans
Replies: 23
Views: 2620

Re: Verizon Cell Phone Plans

I think your numbers for the new plan are a little off. New plan: Data: 6G = $60. Per line per month: $20 * 4 = $80. Total = $140/month + taxes and fees. It is more expensive, but not quite $30 a month. I could be wrong, but I also believe that any discount you have is applied to the data portion, ...
by Lacrocious
Sun Dec 06, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on a potential refi (Penfed 5/5 ARM)
Replies: 7
Views: 1165

Re: Advice on a potential refi (Penfed 5/5 ARM)

We refi'ed with the PenFed 5/5ARM about 2 1/2 years ago. No issues with the ARM, came from a 30yr Fixed. Did the math based on how long we would stay in the house. Like you, the break-even on the closing costs over our current loan was around 12-14 months (from memory). Addionally, the break even ca...
by Lacrocious
Sun Dec 06, 2015 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Cell Phone Plans
Replies: 23
Views: 2620

Re: Verizon Cell Phone Plans

Be sure to do the math on the phone service and data costs - especially if you are on the old "More Everything" plan. The current plans are touted as having less data costs - Each level is about $10 less per month on the new plan. That sounds great, but the thing they don't tell you clearl...
by Lacrocious
Sun Oct 25, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: White House tours. How to book?
Replies: 18
Views: 2383

Re: How do you get a White House tour?

We did it 4-5 years ago. One big thing to remember - read what they say about security and what you can bring. When we went, there was a No Bags policy and no bag storage of any kind. If you had a bag/backpack/purse/etc. you couldn't go. There were a number of people going through security that were...
by Lacrocious
Sun Oct 25, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 75
Views: 6352

Re: Password Management

I am an initial Roboform user, but now many year LastPass user. Have been thinking about looking at 1Password lately - to see if the UI is better. LastPass works great, but sometimes the UI leaves a bit to be desired. Anyway - since I am not a 1Password user - I can't comment on the actual product o...
by Lacrocious
Thu Oct 15, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Who Gets a New iPhone Every Year? Why?
Replies: 62
Views: 6373

Re: Who Gets a New iPhone Every Year? Why?

Are you sure it is $25 per line that is off contract? I called Verizon and they told me it was $15 a month that was off contract because we are trying to decide what to do with our plans right now. Yes - but I have since learned more - I think it depends on your data plan. 4GB Shared is $15 off and...
by Lacrocious
Sun Oct 11, 2015 11:48 pm
Forum: Personal Consumer Issues
Topic: Who Gets a New iPhone Every Year? Why?
Replies: 62
Views: 6373

Re: Who Gets a New iPhone Every Year? Why?

...I normally wouldn't have thought of it, but Verizon is sending me marketing touting the better new plan. This seems like such a fleecing. I called and they assured me I am grandfathered into my contract and will be offered the same deal for the foreseeable future. This was after they tried to ex...
by Lacrocious
Tue Oct 06, 2015 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Visa card problems at Walgreens
Replies: 22
Views: 2308

Re: Visa card problems at Walgreens

Only used my chip in US a few times - a Walmart in IL, and a Target in WI. Everywhere else is still swipe. Went north to Canada and there, everything was chip. No sending your card away with a waiter, even in a bar. They bring the portable, little terminal (3"x10"x2" or so) - insert y...
by Lacrocious
Mon Sep 28, 2015 11:09 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 4507

Re: Minivan or not?

Another vote for Mini-van. Our 100K miles 2008 Toyota Sienna is running strong. It is incredible how much you can fit in one of these things. I can haul much more than my parents Suburban and my other vehicles. We love the 3rd row seats fold flat into the floor - so they are always with you. They ar...
by Lacrocious
Mon Jul 13, 2015 10:41 pm
Forum: Personal Consumer Issues
Topic: Mini-split air conditioner
Replies: 15
Views: 2393

Re: Mini-split air conditioner

Have you looked into the Ecobee thermostat? It allows for "multiple zones", I put "multiple zones" in parentheses because it is not a true multi zone setup. The thermostat allows for multiple remote temperature sensors to be placed in the house. The thermostat then runs the HVAC...
by Lacrocious
Mon Jul 13, 2015 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015
Replies: 16
Views: 1810

Re: Quicken 2015

I have been using Quicken, then MS Money, then Quicken again for the past ~25 years. Earliest account entry is from 12/1990. I have also looked at MoneyDance - which is much improved sense the demise of MS Money - but I have too much time in Quicken to convert now. All of these local PC products are...
by Lacrocious
Mon Jul 13, 2015 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Good Mortgage Companies?
Replies: 21
Views: 2292

Re: Good Mortgage Companies?

For Wisconsin - Wisconsin Mortgage Corp - have used them for many loans/refi's over the years. PM me if you want a name. PenFed was good for the last refi (we are 2 years into a 5/5 - 30year arm @2.5% - with an estimated 2 years before we sell).

- L
by Lacrocious
Sat Jun 20, 2015 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding sharing an inheritance:
Replies: 19
Views: 2420

Re: Question regarding sharing an inheritance:

I am not sure about disability, but I know with people with special needs, that gifts/inheritances to people could have long-term negative impact to their assistance programs. It would be hurtful to gift someone an amount of $$ that causes them to loose all aid/support and cause them to have to re-a...
by Lacrocious
Sun Nov 30, 2014 12:59 am
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 33
Views: 4275

Re: Back-up Drive - Local or Cloud? Which?

...I'd like everyone who thinks they have a current backup in place to go ahead and delete a file. Pick one at random, like a picture. (Make a copy just in case.) Restore from backup. How many have actually been able to restore the file?... Great Challenge LadyGeek! :thumbsup I just restored from C...
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: 2437

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
Sun Aug 10, 2014 9:55 pm
Forum: Personal Consumer Issues
Topic: Different email everywhere
Replies: 5
Views: 1211

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
Mon Aug 04, 2014 8:11 pm
Forum: Personal Consumer Issues
Topic: Riding Mower Help Needed
Replies: 59
Views: 8744

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
Wed May 21, 2014 6:12 pm
Forum: Personal Consumer Issues
Topic: Hotel suggestions Washington,DC
Replies: 32
Views: 2690

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
Thu May 08, 2014 9:24 pm
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6567

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
Mon Apr 14, 2014 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh, Another Mortgage Question - Help Me Decide
Replies: 10
Views: 1288

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 10:29 pm
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 1168

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 10:07 pm
Forum: Personal Consumer Issues
Topic: Hand held illuminated magnifying glass
Replies: 13
Views: 1168

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 9:59 pm
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 124
Views: 19460

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
Tue Apr 01, 2014 10:01 pm
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 13912

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
Wed Mar 19, 2014 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment Penalties and House Loans
Replies: 5
Views: 390

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
Sun Mar 16, 2014 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Getting Real About Retirement"
Replies: 27
Views: 3459

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
Fri Mar 14, 2014 12:09 am
Forum: Personal Consumer Issues
Topic: Backblaze (cloud backup)
Replies: 11
Views: 956

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
Sun Mar 09, 2014 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1904

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 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 19931

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
Mon Feb 24, 2014 8:10 pm
Forum: Personal Consumer Issues
Topic: Things to do in St.Louis with a toddler
Replies: 19
Views: 1919

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
Sun Feb 23, 2014 11:09 pm
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 2784

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
Thu Feb 20, 2014 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Data security (removing old TaxAct files)
Replies: 12
Views: 978

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 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with small prepaid credit cards
Replies: 47
Views: 2605

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
Sun Feb 16, 2014 7:36 pm
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 13912

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 12:25 am
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 13912

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
Thu Feb 06, 2014 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Your mortgage type, if any [POLL]
Replies: 63
Views: 4437

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...

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