Search found 234 matches

by knightrider
Fri May 18, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Need some help understanding Roboform pricing
Replies: 4
Views: 480

Re: Need some help understanding Roboform pricing

Thanks. I ended up emailing their support folks and they replied: "RoboForm Everywhere license allows to use RoboForm on up to 9 devices. You can install RoboForm 8 on up to 9 computers and sync data via online account." I am glad they answered my question instead of some copy/pasted reply to look a...
by knightrider
Thu May 17, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4574

Re: Bed Bugs

The shield idea is interesting. Don't know what to make of it but may try it - thanks! For a cool $1.6 M you can buy a magnetically suspended bed: https://dornob.com/for-real-1-6-million-dollar-magnetic-hover-bed-floats-on-air/ The shield is better than the magnetic bed. With the magnetic bed they ...
by knightrider
Thu May 17, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4574

Re: Bed Bugs

3. The Cimexa dust (along with a potent insecticide) is key to controlling the bedbugs, because you put it in their hiding places. The dust keeps working over a long period of time, drying out and killing the bedbugs where they hide. This won't work since there is no way you can put it in every noo...
by knightrider
Thu May 17, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4574

Re: Bed Bugs

Fly-trap tape on and bedbug killer power around the legs. Sleeping in your protected beds entices the bugs out every night and if they can't feed, they slowly die from hunger. If they aren't enticed out, they just "hibernate" and can stay around forever. Just this alone won't do it. The bugs left i...
by knightrider
Thu May 17, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4574

Re: Bed Bugs

My advice is to avoid professionals . They are mostly fear-mongers who charge a lot, use lots of dangerous chemicals and don't guarantee getting rid of every single bug.. I had them too and googled tons of sites to figure out how to get rid of them . The best way is actually quite simple. It involve...
by knightrider
Mon May 14, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: [Update] Grand Canyon or other Nat'l Park in October?
Replies: 49
Views: 3222

Re: Grand Canyon or other Nat'l Park in October?

I did not like the Grand Canyon. Too many tourists that ruined the whole atmosphere of being one with nature. There are tons of other scenic parks in Utah/Arizona that are much better. Arches National Park was much better IME..
by knightrider
Sun May 13, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Need some help understanding Roboform pricing
Replies: 4
Views: 480

Need some help understanding Roboform pricing

I have been using roboform for 10+ years. But I've been limping along with an old version on my desktop for the past four years. I am ready to upgrade, but seems the new pricing model has changed. Is this roboform everywhere a yearly subscription model that works on all your desktops? If so, how is ...
by knightrider
Fri May 11, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

Not bringing another human being onto the planet is a great way to offset the carbon you use. Not sure I agree with this extreme viewpoint.. According to these carbon footprint calulators, it only costs around $100 per year to offset your footprint. That savings is hardly reason to not have a child...
by knightrider
Fri May 11, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

Yes, through Terrapass. They have an interactive map that shows the projects they’re finding. https://www.terrapass.com/projects/project-list Thanks, I just used their carbon footprint calculator and bought $150 of offsets. Vehicle 5,768 lbs CO2e Public Transit 695 lbs CO2e Air Travel 7,547 lbs CO2...
by knightrider
Fri May 11, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

If someone is concerned then isn't what they should is not fly AND also buy offsets to contribute to these product (taking the money they would have spent on the flight/vacation - give it to the project)? There are times when you have to fly because there is no "green" way to get there. Also flying...
by knightrider
Fri May 11, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

How likely is it that whoever was originally planning to "convert" that particular land... would just convert other land, for the same purpose? Of course they can buy other land, but that land will probably be more expensive/ less convenient.. No one is claiming carbon offsets are the be-all end-al...
by knightrider
Fri May 11, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

ResearchMed wrote:
Fri May 11, 2018 10:06 am

How do these "credits" work?

Who gets money, and, more importantly, what are they [supposed to be] doing with it?

RM
See: https://www.smithsonianmag.com/travel/i ... 180952222/
by knightrider
Fri May 11, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) This kind of logic reminds me of this joke from The Onion: 'How Bad For The Environment Can Throwing Away One Plastic Bottle Be?' 30 Million People Wonder" ...
by knightrider
Fri May 11, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all. I wouldn't drive either - I'd walk to my destination :happy Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) Yup, I already walk t...
by knightrider
Fri May 11, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4927

Anyone buy carbon offsets when flying?

The older I get the more I worry about my carbon footprint. I used to fly all over the place. Now I question the value of burning 100+ gallons of fuel just to do "sight-seeing". So this got me thinking about buying carbon offsets. On one hand it sounds like a good idea. But on the other hand, why ar...
by knightrider
Sun May 06, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Getting annual fee back when cancellig credit card?
Replies: 8
Views: 534

Re: Getting annual fee back when cancellig credit card?

Jags4186 wrote:
Sun May 06, 2018 1:41 pm
You should look at the T&C of the card you signed up for. Not all companies prorate.
I understand it may be in the T&C. My point is they should all do it because it's the right thing to do. To me it's like stealing. What right do they have to keep my annual fee if I am no longer a member?
by knightrider
Sun May 06, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Getting annual fee back when cancellig credit card?
Replies: 8
Views: 534

Getting annual fee back when cancellig credit card?

I do a lot of credit card churning. If I cancel a card after just a few months I often do not get the annual fee refunded. By law aren't they required to refund me at least a pro-rated amount of the annual fee? For example, if I paid $120 annual fee and cancel after 3 months, they should refund me $...
by knightrider
Wed May 02, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Help me choose a second computer monitor
Replies: 18
Views: 1376

Re: Help me choose a second computer monitor

My advice is do the "green" thing and buy a used one from any thrift store. They are dirt cheap. Granted a 30" monitor may be hard to find. You might try craigslist for that. And there are many display port -> dvi/vga etc convertors for like $10.
by knightrider
Sat Apr 28, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1567

Re: Strange internet slowness only with my desktop?

If you have an AirPort Extreme from 2011 then no it doesn’t support ac. It does support n on both bands. The Intel 3168 card you linked should work. It may not be as fast as a 7000 or 8000 series card but should still be a big improvement. Get the latest drivers from Intel.com. Thanks, I got the 31...
by knightrider
Wed Apr 25, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Anyone had luck getting condo to install solar panels?
Replies: 6
Views: 708

Anyone had luck getting condo to install solar panels?

I live in a 40 unit townhouse condo complex. Every unit shares walls/roof with neighbours. How feasible is it to install solar panels on everyone's roof? I am hoping to get some good feedback from folks here that I can take to the condo board. We're near NYC and have very high utility bills. Our bil...
by knightrider
Wed Apr 25, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 31
Views: 3056

Re: Should I open a Goldman sachs 1.6% savings account?

I just closed my GS-Bank savings account and put the funds in my brokerage accounts municipal bond money market fund. Effective taxable equivalent yield in my tax bracket 1.92% versus 1.60% at Marcus. Most brokerages have Prime, agency, treasury and muni money market funds, no-fee t-bill auction pu...
by knightrider
Wed Apr 25, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a Goldman sachs 1.6% savings account?
Replies: 31
Views: 3056

Should I open a Goldman sachs 1.6% savings account?

I use American Express bank for my savings account. They pay barely 1% interest. Should I close it out and move all the funds ( ~70k ) to Goldman Sachs bank? Supposing Goldman Sachs drop the rate to 1% after a few months.. It's kind of a pain to open a new savings account since they ask a ton of que...
by knightrider
Wed Apr 25, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Is my nondeductible IRA worth it?
Replies: 10
Views: 1117

Re: Is my nondeductible IRA worth it?

magicrat wrote:
Wed Apr 25, 2018 1:46 pm
Look at the summary plan document for your 401k plan.
Thanks. It is a typical megacorp 401k with a generous 10% company match...
by knightrider
Wed Apr 25, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is my nondeductible IRA worth it?
Replies: 10
Views: 1117

Re: Is my nondeductible IRA worth it?

magicrat wrote:
Wed Apr 25, 2018 1:42 pm
Do you have a 401k and can you rollover pre-tax IRA money into it?
Yes my 401k has always been maxed out. I am not familiar with "rollover pre-tax IRA money". I will google it!
by knightrider
Wed Apr 25, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is my nondeductible IRA worth it?
Replies: 10
Views: 1117

Is my nondeductible IRA worth it?

Over the past 20 years I have contributed to a traditional IRA. It is non-deductible because I exceed the income limit. There is around $85k all in a Fidelity Four-in-one Index fund (FFONX). Recently I started googling this and read articles that say they are not worth the hassle . One article said ...
by knightrider
Fri Apr 20, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: How to ask town to build a sidewalk?
Replies: 22
Views: 1364

How to ask town to build a sidewalk?

I am trying to live the green life by walking 2.5 miles to work. Unfortunately, there are annoying short segments without sidewalks. You can clearly see the path people have worn into the grass. What is the process to get a sidewalk built? Whose responsibility is it, i.e the business owners or the t...
by knightrider
Wed Apr 18, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Best places to find discontinued appliance parts?
Replies: 14
Views: 1438

Re: Best places to find discontinued appliance parts?

Oven racks are somewhat interchangeable. I would visit a used appliance store and buy a few in the hopes one will fit. That's what I did when I needed a rack. The store owner just gave it to me for free since he had a huge pile of them...
by knightrider
Tue Apr 17, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1567

Re: Strange internet slowness only with my desktop?

The good news is that it looks like it's the M.2 format and thus replaceable. You can get an M.2 replacement wifi card cheaply on Amazon - I recommend Intel's 7000 or 8000 series, which are dual-band cards supporting the latest 802.11ac standard (your router would also need to be 802.11ac for them ...
by knightrider
Tue Apr 17, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1567

Re: Strange internet slowness only with my desktop?

Sometimes this icon will show good signal strength (e.g., 4/4 bars), but because of other factors the link speed will be very slow. Generally your actual speed will be no more than about 50-60% of the link speed, so if the link speed is 12 Mbps, you'll only get around 6-7 Mbps, even if you're payin...
by knightrider
Tue Apr 17, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Donate or give-away scooter?
Replies: 9
Views: 895

Donate or give-away scooter?

My 125cc scooter has around 4500 miles on it. It's stopped running due to some electrical issue. It also needs other repairs. I've tried selling on craigslist for $250 but get no serious offers. I then posted it for free on craigslist and got many interested folks. Before I just give it away, is the...
by knightrider
Tue Apr 10, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1567

Re: Strange internet slowness only with my desktop?

whodidntante wrote:
Tue Apr 10, 2018 12:58 pm
Wifi is sensitive to interference and poor signal. Move the pc nearby to see if it makes a difference. Also, what is the speed negotiated to?
Good tip! How can I find the "negotiated" speed though?
by knightrider
Tue Apr 10, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1567

Re: Strange internet slowness only with my desktop?

- update wifi card drivers from HP if possible, or search around if unable. - make sure in the card properties (device manager -> right click under network adapters -> properties -> advanced likely) that you are set to actually use the highest connection (in your case N) If it's a driver issue woul...
by knightrider
Tue Apr 10, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1341

Re: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

Hanksmoney wrote:
Tue Apr 10, 2018 10:59 am
I always get buyer to pay shipping too. Just my way of taking that variable cost out of the price.
Does that mean the buyer picks the carrier, i.e usps, fedex or ups? When I listed my item I think usps was recommended so I picked that.
by knightrider
Tue Apr 10, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6419

Re: Owners Title Insurance - Super Heavy Handed Pitch

I fully agree that title insurance is a borderline scam. Way overpriced and nobody I know ever files a claim...

But in reading their email, it may make sense to buy it.. Sounds like quite a mess!
by knightrider
Tue Apr 10, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Strange internet slowness only with my desktop?
Replies: 19
Views: 1567

Strange internet slowness only with my desktop?

I have a micro desktop with built-in wifi. It is fast when I connect to ANY wifi network except my home network. However any other wifi device is fast when connected to my home network. So I suspect there is something my wifi router does not like about my desktop. Is it possible some routing table/M...
by knightrider
Tue Apr 10, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?
Replies: 20
Views: 1341

Selling audio gear on ebay, 7-day auction or "30-day Buy it now"?

I am mostly looking to get rid of vintage audio equipment. I would think the market is small so it's best to have a 30-day listing to find an interested buyer.. In seven days how can one be sure a buyer will notice your listing? Plus seven day auction has other cons: 1) Many people won't bother bidd...
by knightrider
Mon Apr 09, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Any recommendation on non-leather dress shoes?
Replies: 16
Views: 1082

Re: Any recommendation on non-leather dress shoes?

I second the recommendation to search for canvas dress shoes. I stumbled upon fabric shoes from Tom's: http://www.toms.com/men/charcoal-speckled-tweed-mens-brogues Thanks for all the replies. I ended up on buying one similar to the above one . They did not have my size on Tom's site , so I bought a...
by knightrider
Tue Mar 20, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Any recommendation on non-leather dress shoes?
Replies: 16
Views: 1082

Any recommendation on non-leather dress shoes?

I want to get a "vegan" dress shoe because I support animal rights and such... I don't want to get "faux-leather" because people would still think I'm wearing leather. This leaves me with very few options.. The few I found on zappos and other sites are $100+/pair or don't look fancy enough for workp...
by knightrider
Tue Mar 20, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Was my experience with a CPA typical?
Replies: 23
Views: 4015

Re: Was my experience with a CPA typical?

Carefreeap wrote:
Tue Mar 20, 2018 10:24 am
How long has your CPA been in business?
The website says since 1998.. The CPA says he has 35 years of experience on his bio..
by knightrider
Tue Mar 20, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Was my experience with a CPA typical?
Replies: 23
Views: 4015

Was my experience with a CPA typical?

I've always done my taxes myself . But last year I moved to three different states and sold two rental properties. On the advice of people on this forum I was told to see a CPA. So I made a 2-hour appointment that cost me $450. Long story short, I was not too impressed. A lot of the complexities the...
by knightrider
Fri Mar 16, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Lived in three states - How to report schedule B income?
Replies: 4
Views: 371

Re: Lived in three states - How to report schedule B income?

•You closed an interest-bearing account while still living in California, so you'd allocate 100% of the interest to California. ◦On the other hand, if the account remains open, you'd allocate the interest you earned as California resident to California, and the remainder to your new state. An easy ...
by knightrider
Fri Mar 16, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Lived in three states - How to report schedule B income?
Replies: 4
Views: 371

Re: Lived in three states - How to report schedule B income?

Living in three states is one thing; a more important matter is whether you were considered a resident of those states. Typically that means moving one's home from A to B to C in one year, which sounds unusual. Yes, my home moved from A to B to C last year. B and C were border states ( NY/CT ).. My...
by knightrider
Fri Mar 16, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: How does everyone here earn so much?
Replies: 131
Views: 7789

Re: How does everyone here earn so much?

I think a lot of life is explained by the 80s movie, "Trading Places". Most people jobs can be easily replaced by anyone far cheaper. The reason they have the job is because they "fit" into the culture of their colleagues... It also boils down to trust. People trust those similar to them.
by knightrider
Fri Mar 16, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Lived in three states - How to report schedule B income?
Replies: 4
Views: 371

Lived in three states - How to report schedule B income?

Do I divide up my 1099-INT income among all the states I lived in? Or do I just keep it simple and report all the income on the last state I was in on Dec 31, 2017?
by knightrider
Tue Mar 06, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Is just my smart phone this dumb?!
Replies: 15
Views: 2177

Re: Is just my smart phone this dumb?!

Thanks, but seems I have no "live update" option. Just option for enabling "Predictive Text" and "Auto Replace"
by knightrider
Tue Mar 06, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Is just my smart phone this dumb?!
Replies: 15
Views: 2177

Is just my smart phone this dumb?!

I have a Samsung Galaxy J7 that seems more dumb than smart. Specifically the predictive text rarely remembers frequently used words I use. For example, it won't suggest my email address when I am typing it into a website form. However, sometimes it does work. So seems like it has a mind of it's own ...
by knightrider
Tue Mar 06, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Need an explaination of my explaination of benefits
Replies: 6
Views: 707

Re: Need an explaination of my explaination of benefits

Thanks for the explanations of my EOB! It makes sense now. It makes me wonder why these EOB can't explain in plain English what is going on.

I am going to talk to the dentist office to see if they can just charge me what my plan pays. It is annoying to have to pay this difference each time I visit.
by knightrider
Mon Mar 05, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to file seperate schedule C for each state?
Replies: 2
Views: 269

Re: Do I need to file seperate schedule C for each state?

Schedule C is a federal form. I'd look at the instructions for each state and see how they request you to do part-year returns. States have different approaches. I am using 1040.com to do my taxes and it asks you which state the business resides in. There does not seem to be a way to say it resides...
by knightrider
Mon Mar 05, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Need an explaination of my explaination of benefits
Replies: 6
Views: 707

Need an explaination of my explaination of benefits

I had a routine dental teeth cleaning for which the dentist billed my insurance company $225. My insurance company sent me a check for $155. The remainder I owe directly to my dentist. I am looking at EOB and can't understand why they didn't send me a check for the full amount, $225 ? You would thin...
by knightrider
Mon Mar 05, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to file seperate schedule C for each state?
Replies: 2
Views: 269

Do I need to file seperate schedule C for each state?

I have a home-based business and lived in three states in 2017. I assume I need to file three schedule C's, i.e one for each state and divide my income/expenses by the number of days I lived in each ?