Search found 512 matches

by N1CKV
Wed Apr 27, 2016 8:25 am
Forum: Personal Consumer Issues
Topic: fairly new router keeps checking out, get a new one?
Replies: 22
Views: 1326

Re: fairly new router keeps checking out, get a new one?

If you did not change the original user name and password try: Username: admin Password: *blank* or Username: admin Password: admin Either way, I had a Belkin Router that was doing something similar, I didn't bother with the firmware, I just went out and bought a new router because it was not 5 ghz ...
by N1CKV
Tue Apr 26, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Government vs Private sector employment
Replies: 32
Views: 2053

Re: Government vs Private sector employment

I work for local government. I won't go in to details, but I can assure you that at least the last two times pay rates were examined there was a Total Compensation Study commissioned by the governing body to guide any changes. This means they included the value of all of the benefits received in add...
by N1CKV
Tue Apr 26, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: Damaged iPhone 5S
Replies: 13
Views: 814

Re: Damaged iPhone 5S

1. Find the local iPhone repair place. There are plenty of small businesses that can likely fix your iPhone for cheaper than a replacement. 2. Since you have a bad habit of breaking/ destroying phones you should invest in a quality phone case that will offer protection, something like an Otterbox De...
by N1CKV
Tue Apr 26, 2016 12:31 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1720

Re: Holes in the heels of black dress socks

Give Thorlo dress socks a try. I have a lot of casual Thorlos and they never wear out. Eventually they look a little washed out, but I never got a hole. I tried a pair of Thorlo black "hiking" socks on a promotion. The socks fell apart after the first wash. They didn't think that through ...
by N1CKV
Tue Apr 26, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: CVT car transmissions
Replies: 25
Views: 2154

Re: CVT car transmissions

My experiences: -Co-worker had one in his Nissan Sentra. It started to give out at about 5 years old and essentially was going to total out the car, he traded it in while it still moved under it's own power. -Wife had a 2003 Audi A6 with a CVT, drove great. No shifting took some getting used to, but...
by N1CKV
Mon Apr 25, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally or Capital One MM
Replies: 7
Views: 664

Re: Ally or Capital One MM

Ally has the same rate for a SAVINGS account as the CO360 MM. The CO360 MM only pays that rate on deposits over $10K.
by N1CKV
Fri Apr 22, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Lifted Shingles on a New Home
Replies: 8
Views: 1035

Re: Lifted Shingles on a New Home

Your new home warranty should cover the problem. If your builder considers your concern, performs and inspection and is able to provide written documentation attesting to the roof not having problems you should have him and your insurer discuss the issue and if no resolution is found bring that info...
by N1CKV
Thu Apr 21, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 8260

Re: Cannot Pay Huge Tax Burden

If the debt can't be discharged, here's a very common series of events Debtor defaults Creditor obtains money judgment Debtor still doesn't pay Creditor files show cause motion Debtor is held in contempt Bench warrant is issued Debtor is arrested during next traffic stop, etc It seems hard to belie...
by N1CKV
Wed Apr 20, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Soapbox (car safety features)
Replies: 193
Views: 8760

Re: Soapbox (car safety features)

While I have not driven with most of these safety features, I don't like the directions things are headed. I find blind spot warning to be distracting, which is the exact opposite of its intent. I think the majority of these things will lead to more inattentive drivers because people will be relyin...
by N1CKV
Wed Apr 20, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: Want to buy a home safe - advice?
Replies: 36
Views: 2961

Re: Want to buy a home safe - advice?

I have a Cannon "12/24" firearm safe. It is loaded with documents and other valuables. It is large and heavy enough (especially loaded) that it is not going anywhere quickly. It comes with a bunch of shelves that are adjustable making it very versatile for storing a variety of things. My w...
by N1CKV
Wed Apr 20, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 6433

Re: Toyota Tacoma owners?

I looked hard at the Tacoma back in 2003. I really liked them until I sat in the driver seat. I realized that I was only comfortable with the seat as far back as it would go (4 door cab) and that made the backseat unusable. Adding to that, it was only a V6 with insufficient abysmal tow ratings for m...
by N1CKV
Tue Apr 19, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5127

Re: HELP! HR Doesn't Believe in Index Funds for 401k

" It does not believe that the lowest cost fund is always the best alternative....passive funds with the cheapest fees are not necessarily the funds that are likely to provide our employees with the most favorable returns." I would respond this way: "Thank you for your views on inves...
by N1CKV
Mon Apr 18, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 2574

Re: Progressive or Geico?

State Farm reminds me of the insurance version of Edward Jones in the investment world. You get the friendly face and full service from a local office, and you really pay for it in the end. I was with Progressive and I have had claims with them processed before and they were very easy to deal with o...
by N1CKV
Mon Apr 18, 2016 7:04 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 3848

Re: How Did You File Your Income Taxes for 2015?

In the end I used Free Tax USA and I e-filed my Federal, then used my state's website to file state because it is a free option. In the past I have used H&R Block and Tax Act, but as they eliminated or I outgrew the free options I have moved along. I keep a spreadsheet to project and monitor my ...
by N1CKV
Fri Apr 15, 2016 1:11 pm
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2436

Re: Security features of a good front door

If you are that concerned then consider a new front door attached to a house in a different neighborhood.
by N1CKV
Tue Apr 12, 2016 3:04 pm
Forum: Personal Consumer Issues
Topic: American Express Discontinuing Benefit Offers?
Replies: 4
Views: 1028

Re: American Express Discontinuing Benefit Offers?

I just used an offer from AMEX two weeks ago for Advance Auto, saved me a few bucks on components to replace brake parts on my wife's car.

I know I haven't seen a "spend $XX at this gas station, get this much credited" offer in a while, those were always nice.
by N1CKV
Mon Apr 11, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: Are any OTC drugs and vitamins U.S.P.-labelled any more?
Replies: 34
Views: 1131

Re: The vanishing of USP drugs?

I notice in the pictured examples provided above by the original poster that the drugs without the USP declaration are "coated". Is the coating perhaps throwing off the "purity" of the overall dosage unit, therefore making it not technically in USP specifications? I'm just thinki...
by N1CKV
Mon Apr 11, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Anybody use a Motorola Moto X smartphone?
Replies: 17
Views: 1433

Re: Anybody use a Motorola Moto X smartphone?

My wife has the Moto X Pure and she loves it. It's almost pure Android, at least there is no carrier garbage installed. It runs Android 6.X and gets updates almost as fast as my Nexus 5X (which is pure Android). Sizewise it is slightly bigger than my 5X.
by N1CKV
Mon Apr 11, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: An Update on my condition - dementia is not fun
Replies: 19
Views: 4948

Re: An Update on my condition - dementia is not fun

That device's function could be set up on a cell phone or other device with a calendar as a recurring daily event (or multiple events twice a day). Just another option available. Playing off of that, you could also use a smart watch that will show the calendar notifications, that way within bluetoo...
by N1CKV
Mon Apr 11, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Transition Insurance (Baby on the way)
Replies: 7
Views: 411

Re: Best Way to Transition Insurance (Baby on the way)

You state that your current insurance is not self pay, so I am assuming it is employer provided. Typically these policies qualify you for COBRA coverage. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) requires most employers with group health plans to offer employees the opportun...
by N1CKV
Fri Apr 08, 2016 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1664

Re: Apple letting you hide the stock app

Well put. For me, I've always hated that control, and out right rejected them when it came to mobile devices because of iTunes, and their concept of DRM. And N1CKV: your description is very different from most people's android experience. Most phone vendors and carriers load the phones up with all ...
by N1CKV
Fri Apr 08, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs. HDHP/HSA Spreadsheet
Replies: 9
Views: 573

Re: PPO vs. HDHP/HSA Spreadsheet

All plans are different, the ones you presented are very different from my choices. One thing I think you may have missed is drugs. On my HDHP plan, drugs are counted towards my deductible, the PPO pays a flat Tier rate (not a percent). That may vary, I don't know but thought I would mention it. Dru...
by N1CKV
Fri Apr 08, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: Possible Move to Manhattan....
Replies: 20
Views: 1549

Re: Possible Move to Manhattan....

That sounds like the most miserable form of existence I could imagine.
by N1CKV
Fri Apr 08, 2016 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1664

Re: Apple letting you hide the stock app

Android has been doing this for many years. I thought the expensive and fancy iPhone was supposed to be "cutting edge"? :confused
by N1CKV
Thu Apr 07, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: I can retire right??
Replies: 14
Views: 1992

Re: I can retire right??

My wife passed away 10 years ago and at the time of her passing was a government employee . I receive what would have been 75% of her pension with COLA along with access to her very good health plan which costs me $1,100 out of pocket per year. The cost of the plan has remained basically unchanged ...
by N1CKV
Wed Apr 06, 2016 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: What is the expense ratio of this fund ?
Replies: 4
Views: 454

Re: What is the expense ratio of this fund ?

The management fee IS imposed by the provider. My HSA investments work the same way. There is two investment options, one is active funds with high expense ratios, not mgmt fees, the other is low cost broad index funds, but come with an additional mgmt fee attached. The provider gets a cut of the ex...
by N1CKV
Wed Apr 06, 2016 11:59 am
Forum: Personal Consumer Issues
Topic: Trying to get a copy of a $20 receipt
Replies: 16
Views: 1970

Re: Trying to get a copy of a $20 receipt

When I recently changed doctors I was given a packet of information. One of the forms was a form that allowed me to list people who they could share my healthcare information with. I didn't list anyone, but seeing your situation I should have listed my wife. If I remember correct the form was one cr...
by N1CKV
Wed Apr 06, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Buying a car off lease?
Replies: 6
Views: 743

Re: Buying a car off lease?

Depending on how your state handles sales tax on vehicles it may be cheaper to arrange ahead of time for the dealer to handle the transaction. By transferring the vehicle to the neighbor first you are creating a taxable event, then transferring it to you which is another taxable event. If the dealer...
by N1CKV
Tue Apr 05, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: How to start non profit pet rescue
Replies: 15
Views: 1136

Re: How to start non profit pet rescue

My spouse was heavily involved in pet rescue. We fostered several dogs for the rescue, including one that just wasn't doing well in the high stress shelter environment but was fine once in a quiet home. Another we fostered was an owner give up that was insistent that the dog not be put in to a shelt...
by N1CKV
Tue Apr 05, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Tuxedo rental for prom?
Replies: 24
Views: 1616

Re: Tuxedo rental for prom?

Buying a tux of a 17 or 18 year old is pretty silly. There is almost no chance that it will fit him in a year or two. My parent's purchased a basic black tuxedo for me in my Sophomore year of high school. I used it at least 4 times and it paid for itself several times over. The one I had was fitted...
by N1CKV
Fri Apr 01, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Independent up sell? Balancing Tires / Cleaning Brakes?
Replies: 15
Views: 889

Re: Independent up sell? Balancing Tires / Cleaning Brakes?

As someone that has worked in the automotive industry my answer is..... it depends. 1st: I have never heard of someone not changing the filter when changing the oil, in fact if you use full synthetic the oil really doesn't need changing, just replace the filter and top off the oil every ~6,000 miles...
by N1CKV
Fri Apr 01, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Medical billing
Replies: 13
Views: 843

Re: Medical billing

It's one of the problems with the medical field that I hate. I recently wrote a letter to my state's representative (who is a MD) concerning this. You insurance entitles you to their negotiated rates (even if they aren't actually paying). They bill some inflated amount that really has nothing to do ...
by N1CKV
Thu Mar 31, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Car totaled in hail storm. Seeking advice to keep or total out
Replies: 15
Views: 866

Re: Car totaled in hail storm. Seeking advice to keep or total out

basically the trade in value is $7800 now, more than the 5K you hoped for in two years. I'd total it and get another - maybe buy a used one for $7800 and have no payments, then decide if you want to trade it in 2 years. From a different perspective: 7,800 totaled Value 3,200 buy back price 4,600 in...
by N1CKV
Tue Mar 29, 2016 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 77
Views: 9036

Re: Capital One 360 New Money Market Account, 1% on over 10k

I have an account I opened online, - a Capital One 360 savings and I want to open a MM account as well. I am travelling and noticed a Capital One bank next door. Is this the same institution as my capitalone360.com? Could I open it there instead of online? Technically, No. They are not the same ins...
by N1CKV
Mon Mar 28, 2016 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Who should I set as my beneficiaries - Single, No kids
Replies: 23
Views: 2156

Re: Who should I set as my beneficiaries - Single, No kids

I was in a similar situation at that age, except I have two siblings and didn't have the longterm significant other (at the time). I put everything to my parent's names. My parents have no need for the assets. I left them clear instruction to use the assets for my nieces / nephews as they saw fit (c...
by N1CKV
Mon Mar 21, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 153
Views: 16934

Re: The Big Short

abuss368 wrote:Is this a documentary? Available on Netflix?

It is now available on Google Play Movies, I watched it for $4.99 yesterday in my living room.
by N1CKV
Thu Mar 17, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! Didn't deduct state income taxes
Replies: 11
Views: 1247

Re: HELP! Didn't deduct state income taxes

OP: Did Turbo Tax use itemized deductions or the standard deduction? What was the total itemized deductions? make sure you take a close look at the list of itemized deductions, did they substitute a state sales tax credit instead of state income tax (it should automatically pick the higher of the tw...
by N1CKV
Tue Mar 15, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: At fault fender bender, paying out of pocket
Replies: 29
Views: 2033

Re: At fault fender bender, paying out of pocket

You would not be paying a deductible. That has nothing to do with this situation. Your auto insurance does not have have deductible for LIABILITY. It probably makes sense to pay this one out of pocket if and only if you are able to get a release of further liability from the other vehicle's owner an...
by N1CKV
Wed Mar 09, 2016 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: When does borrowing not make sense?
Replies: 18
Views: 1201

Re: When does borrowing not make sense?

I would not buy a house to sit vacant or rent out for the next 3 years.

Inflation is the only worry, but that must also outpace:
1. Interest costs
2. Property Tax
3. Maintenance
4. Insurance/ risks of vandalism

Meanwhile you have liquidity and cash earning interest/ dividends
by N1CKV
Wed Mar 09, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Book copyright infringement: how to stop someone?
Replies: 31
Views: 2497

Re: Book copyright infringement: how to stop someone?

I would complain to the nursing board with a cc to her. Also a letter to her employer with a cc to her. I don't know if it will do any good, but worth a try, and it will at least cause her some embarrassment, if she's capable of being embarrassed. That sounds like a quick way to get sued for harass...
by N1CKV
Wed Mar 09, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help finding a good CPA
Replies: 14
Views: 1185

Re: Help finding a good CPA

You need a Financial Planner, not a CPA.
by N1CKV
Mon Mar 07, 2016 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Roommate issue
Replies: 18
Views: 2662

Re: Roommate issue

Cleanliness is all relative.
If you son is a slob on their scale then he either needs to walk on egg shells until the lease ends or he should leave. Threatening to sue would only make matters worse and more uncomfortable.
by N1CKV
Fri Mar 04, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Blow drying hair in the summer
Replies: 27
Views: 1752

Re: Blow drying hair in the summer

Do you have an exhaust fan in your bathroom? run it at least as long as the blow dryer is running to remove that hot air.
by N1CKV
Fri Mar 04, 2016 10:44 am
Forum: Personal Consumer Issues
Topic: Cast Iron Frying Pans
Replies: 71
Views: 6598

Re: Cast Iron Frying Pans

I have never bought a piece of cast iron, but I have a lot of it. It is all my grandmother cooked on. I have an assortment of skillets from big enough for a single egg to larger than my stove burner can handle along with several different "dutch ovens"/ pots. Some have the legs on the bott...
by N1CKV
Fri Feb 26, 2016 2:59 pm
Forum: Personal Consumer Issues
Topic: Meineke ok for oil changes?
Replies: 36
Views: 3029

Re: Meineke ok for oil changes?

tl;dr - prudent hit the nail on the head. Name brand doesn't mean a whole lot in the industry. Vet each shop independently. You will likely be ok with Meineke but check their work (check the dipstick, mark the filter before you take it in if its easy) and make sure your car isn't easy to confuse the...
by N1CKV
Fri Feb 26, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Anti-Microbial Carpet Pad
Replies: 6
Views: 491

Re: Anti-Microbial Carpet Pad

Of all the features of carpet padding, that would be the least of my concern. I have always been told to not "cheap out" on the padding, that decision can make difference in comfort and longevity more so than the carpet itself. That was in reference to getting a quality thick and durable p...
by N1CKV
Thu Feb 25, 2016 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Higher downpayment for lower rate?
Replies: 16
Views: 1008

Re: Higher downpayment for lower rate?

Are you 100% sure that he's not asking you to pay (buy) points as opposed to more down payment? It sounds an awful lot like he is buying down the rate, which as dm200 pointed out, would not be in your best interest on a shorter anticipated mortgage period. Make absolutely sure that this is down paym...
by N1CKV
Mon Feb 22, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Best 457 plan administrator (I'm looking for one to offer to employees)
Replies: 11
Views: 930

Re: Best 457 plan administrator (I'm looking for one to offer to employees)

I am in a 457 plan through Nationwide and I find it less than ideal. It's better than nothing, but seems worse than most 401k plans.
I don't believe Vanguard offers 457 plans, I could be wrong. That doesn't mean their funds can not be included in fund selection though.
by N1CKV
Wed Feb 17, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Contacted by three heir locators
Replies: 56
Views: 6323

Re: Contacted by three heir locators

I would imagine contacting the Probate Court would put them on notice and obligate the executor to explain to the court how you are not an heir. At that point you show your paperwork, they come up with whatever and as long as the probate court agrees that you are an heir then they can't keep you out...
by N1CKV
Thu Feb 11, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Bear Meat
Replies: 37
Views: 3323

Re: Bear Meat

I love free range /organic meat. I have never hunted bear, but I do hunt deer (I don't buy ground meat or sausage).

I have no idea how to cook bear, but I imagine that you could start with a roux and some chopped onions, a little bit of garlic and take it from there.

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