Search found 291 matches

by Lacrocious
Tue Sep 12, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 877

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: 4755

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: 2412

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: 8019

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: 4
Views: 1366

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: 644

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 u...
by Lacrocious
Tue May 09, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 4
Views: 1366

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: 7779

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: 7779

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 i...
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: 7779

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...
by Lacrocious
Sat Apr 15, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5211

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 - 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 quarte...
by Lacrocious
Fri Apr 14, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5211

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: 12227

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: 12227

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: 2254

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: 2254

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: 2254

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: 2254

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: 2674

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: 2674

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: 2674

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: 7346

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: 3237

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: 3237

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: 2767

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: 4443

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: 2357

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: 2878

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: 2741

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: 894

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: 894

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: 1748

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: 3886

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: 875

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: 875

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: 4687

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: 3603

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: 1854

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: 2428

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: 3337

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: 11106

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: 3131

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: 1364

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: 3131

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: 2707

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: 7154

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: 7580

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: 7580

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: 2990

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: 5796

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...