Search found 206 matches

by tech_arch
Tue Oct 17, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale rule unclear if not married at time of buy or sell
Replies: 5
Views: 487

Re: Wash sale rule unclear if not married at time of buy or sell

Why not just avoid the problem altogether and coordinate your sales and purchases like you would if you were married?
by tech_arch
Mon Oct 09, 2017 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Switching from High Deductible Plan when planning children
Replies: 15
Views: 1500

Re: Switching from High Deductible Plan when planning children

One additional thing: consider the family deductibles, too. Once the child is born that will be a new deductible to meet.
by tech_arch
Mon Oct 09, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Switching from High Deductible Plan when planning children
Replies: 15
Views: 1500

Re: Switching from High Deductible Plan when planning children

1. Understand that the insurance company might technically be a nonprofit, but it's not a charity. It more than breaks even one way or another. You have to take a "big picture" approach and look at total outlay for the year. 2. You didn't mention the frequency of pay. Assuming your employer pays ev...
by tech_arch
Mon Sep 25, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Bloom - cheap robo advisor for 401k
Replies: 6
Views: 862

Re: Bloom - cheap robo advisor for 401k

I tried it out a while ago; it only looked at my 401(k) which meant it couldn't consider my other holdings. Overall, I wasn't impressed, but it was two years ago.

You can see my take on it at viewtopic.php?f=10&t=176044.
by tech_arch
Fri Sep 15, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: TransUnion - Credit Lock vs. Freeze
Replies: 9
Views: 839

Re: TransUnion - Credit Lock vs. Freeze

I opted for the freeze because I think it is more secure; the lock seems to still allow some people access to your credit report, based on what the TrueIdentity page stated. If you go to https://www.transunion.com/credit-freeze/place-credit-freeze2 you'll see they have a table comparing the two opti...
by tech_arch
Sun Aug 20, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Poker Software
Replies: 11
Views: 1531

Re: Poker Software

You'll probably get crushed regardless in Vegas :) My friend used to teach out there and a lot of his students parents were professional gamblers. They weren't the type you see in on tv, but the type who would sit next to tourists like us and clean up. Yep. There's a sucker at every table and if yo...
by tech_arch
Fri Aug 18, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 16050

Re: Jobs that pay over $100,000

A lot of good responses. I'll add that I didn't start making that kind of money until I learned how to add value for companies and became a consultant. Make yourself valuable to a company and you'll start earning more.
by tech_arch
Fri Aug 18, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 27168

Re: What is Bitcoin?

There's a quick primer on Wade Pfau's site on cryptocurrencies in general - https://retirementresearcher.com/should ... urrencies/. It gives an explanation of what they are discusses them as investments.
by tech_arch
Fri Aug 18, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Poker Software
Replies: 11
Views: 1531

Re: Poker Software

There are plenty of apps that you can get for your computer, phone, or tablet of choice that can let you practice against the computer. As you say, though, without some skin in the game it just isn't the same and you'll never get the same feeling unless you have real money on the line. You also have...
by tech_arch
Mon Aug 14, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 6144

Re: Where to buy glasses for eclipse viewing ?

As a heads up....two weeks ago I purchased eclipse-viewing glasses from Amazon that were described as being ISO compliant. Yesterday I get an e-mail from Amazon saying that these glasses were not ISO complaint and to not use them for viewing the eclipse. So things are sometimes not what they seem. ...
by tech_arch
Wed Jul 26, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2921

Re: Lifetime Tire Alignment

Would you trust me if I tell you that a car pulled in on the rack and got the printout and then backed out without doing any work on it and then immediately put back on the rack and got another printout, those would NOT be identical? There is inherent measurement error in anything that we measure. ...
by tech_arch
Wed Jul 26, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3364

Re: YouTube TV - Anyone used or currently using?

Am I missing the point? Plugging into 3-4 services at $25-$50 a pop comes in at a comparable cost to cable. Do I also need multiple devices - plus OTA - as well? AND then how do I generate the time to watch all this stuff? We have PSVue, Netflix, and HBO Now. We'd have Netflix and HBO with or witho...
by tech_arch
Wed Jul 26, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: YouTube TV - Anyone used or currently using?
Replies: 29
Views: 3364

Re: YouTube TV - Anyone used or currently using?

It just came to our area so we're doing a trial right now. We currently subscribe to PSVue. The big advantage YouTube TV has for us is that it provides the local stations, which currently aren't available to us on PSVue. The downside is that they don't have an app (yet) for the Fire TV. To get aroun...
by tech_arch
Wed Jul 26, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2921

Re: Lifetime Tire Alignment

My experience has been the opposite of the plurality here. We had an '07 Vue for almost 10 years and had a lifetime alignment for it through Tires Plus (owned by Firestone nowadays.) Every other oil change I had them rotate and rebalance the wheels and check the alignment. Their before and after rep...
by tech_arch
Wed Jul 26, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: HSA + HDHP [Me] and FSA [Spouse]
Replies: 1
Views: 243

Re: HSA + HDHP [Me] and FSA [Spouse]

Hi all, Did a search on the forum and google. My wife and I just got married. Prior to getting married, I was funding my HSA while on a HDHP insurance plan. She was funding her general-purpose FSA while she's under her employer sponsored insurance plan. Now that we are married, I would like to cont...
by tech_arch
Wed Jul 19, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 34
Views: 6274

Re: My Costco/TrueCar auto shopping experience

Looking at a new 2017 Honda CRV Touring and have done a little price shopping. Was curious about TrueCar and Costco pricing on the vehicle. Here's what I found out from a couple dealers. The first dealer didn't participate in the Costco program, so I asked about TrueCar pricing and looked up the Tr...
by tech_arch
Mon Jul 17, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Favorite Sous Vide Recipes/Foods?
Replies: 6
Views: 490

Re: Favorite Sous Vide Recipes/Foods?

I was going to post a link to Serious Eats but I see that's already been done. Kenji's recipes are great and never fail me.
by tech_arch
Fri Jul 14, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6771

Re: anyone retire and move to a planned community in FL?

Florida is not just unpleasantly warm in the summer, it's warm and humid most of the time (save a few weeks in February), and becomes excruciatingly so beginning in April. Most people live indoors. The heat and humidity are spot on; we have a few weeks early in the year when I enjoy being outside, ...
by tech_arch
Fri Jul 14, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: DirectTV Install
Replies: 14
Views: 1127

Re: DirectTV Install

Thanks for all the comments. Quick follow up -- if I really don't like the location where the DirectTV installer proposes putting the dish, can I beg off at that point, or am I already bound by the contract at that point ? If I really intended to use the service for many years, I could put up with ...
by tech_arch
Fri Jul 14, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 56
Views: 4446

Re: Solar panels

I was having some roof repair done on my Arizona house and asked the roofer if he thought the roof would support solar panels. He did. But he also mentioned that when the roof needs to be replaced, the solar panels needed to be removed first. - A hidden cost. Yep. When we signed our contract to hav...
by tech_arch
Thu Jul 13, 2017 8:26 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 56
Views: 4446

Re: Solar panels

No, net metering actually wipes out BOTH the supply charges AND the transmission charges. The only thing it doesn't wipe out is the $17/month fixed connection fee. Basically net metering wipes out any kWH-related charges. My utility does net metering, but the buyback rate is lower than my purchase ...
by tech_arch
Tue Jul 11, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Advice on a VOIP (Voice Over Internet Provider) App
Replies: 7
Views: 844

Re: Advice on a VOIP (Voice Over Internet Provider) App

Another vote for Google Voice. I've been using that for my primary service for several years.
by tech_arch
Tue Jul 11, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 56
Views: 4446

Re: Solar panels

And don't forget, the Edison bill does not go to zero, unless you go completely off grid. They will still charge you a monthly hook-up fee ($10-$15?), so the true savings is not $100/mo. And, as noted, one needs to factor in degradation of the panels. Perhaps ~0.5% per year? Eventually, they will a...
by tech_arch
Tue Jul 11, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 3263

Re: instant pot [Pressure cooker]

We have thought extensively about getting one, even put one in our Amazon cart a few times and borrowed my mom's several times, but we've decided that with our lifestyle it simply doesn't provide anything our trusty crockpot doesn't already. It's cool that it can greatly decrease cooking time, but ...
by tech_arch
Tue Jul 11, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 56
Views: 4446

Re: Solar panels

Electric bill ranged from $80 something to $120 something, so on average $100 a month. $17500 is the price for solar panels after taking into account 30% federal tax credit. System is 11.9 kW. Does that help? That sounds overly large. Our system is 9kW and our average monthly usage is ~1600kWh. Bre...
by tech_arch
Tue Jul 11, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 3263

Re: instant pot [Pressure cooker]

Love ours. Great for faster braises, making broth, and perfect hard boiled eggs.
by tech_arch
Sun Jul 09, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5598

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

am wrote: I read that their roasted chicken breast is only 50% or so chicken
That is false. https://arstechnica.com/science/2017/03 ... 100-weird/

Note: I'm friends with an employee at ELISA labs and trust their work completely.
by tech_arch
Sat Jul 08, 2017 7:44 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1397

Re: Android phone, which one?

We've been very happy with Honor phones. We both have an Honor 8 and I would recommend it.
by tech_arch
Thu Jul 06, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: HSA contribution question
Replies: 6
Views: 624

Re: HSA contribution question

A_C_E wrote:I was under the impression that the amount is prorated. Is that not true?
I'm 99% sure it's prorated. The divorce would be a Qualifying Event for updating your insurance, and at that point you would update your contributions to the new lower level.
by tech_arch
Thu Jul 06, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: What is a "sleeve"?
Replies: 34
Views: 3497

Re: What is a "sleeve"?

[post removed --admin LadyGeek] My first thought was a tattoo that covers your arm. My searches found: Credit sleeve How to Maximize Your Income Portfolio Using A Four-Sleeve Approach More on the Portfolio Sleeve Management System Those posts make it sound like a bucket system for organizing your a...
by tech_arch
Tue Jul 04, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 149
Views: 14834

Re: Are you finding any good values at Amazon anymore?

We use Amazon and CamelCamelCamel a lot. We also have Prime, though, and do cursory price comparisons. Besides groceries, I buy nearly everything online. I still make most of my purchases on Amazon, but I've switched to Target.com for nearly all household supplies. Target.com's billing system is an ...
by tech_arch
Wed Jun 28, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?
Replies: 46
Views: 2008

Re: Traveling with 5 and 2 Year Old from Atlanta to Orlando - Is It Worth Flying?

I've done both recently, with a 7 & 2 y.o. Last Christmas we drove from Orlando to Tennessee, with an overnight stop in Atlanta on the way up and straight-through on the way back. We also just flew this month from Orlando to NY. I personally find driving easier with the kids; less stress on packing,...
by tech_arch
Wed Jun 28, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Hilton Vacation Getaways
Replies: 11
Views: 1314

Re: Hilton Vacation Getaways

Used to work for HGV; these are legitimate introductory packages designed to make you think, "wow, this is great!" so they can sell you on being a member. If you are interested in buying into a timeshare, check out the secondary market. Some companies have a right of first refusal, which they use to...
by tech_arch
Tue Jun 27, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2404

Re: Cruise With The Grandkids

I have two kids, the older now 7. The kids will have a blast on NCL, RCL, or Disney. I'd personally rate RCL and Disney above NCL, though, in terms of food and onboard activities. Our personal favorite is RCL. Disney is quite pricey, but worth it if you're Disney fans. Be prepared for the kids to wa...
by tech_arch
Mon Jun 26, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 4235

Re: Stupid Security Questions

Another vote for providing garbage answers and storing them in my password manager.
by tech_arch
Mon Jun 26, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3424

Re: Surge Protector for Refrigerator

telemark wrote: Are any of these whole-house protectors usable in an apartment building?
Some of these install along side the breaker panel, so they might be an option. I would discuss with your landlord.
by tech_arch
Mon Jun 26, 2017 9:04 am
Forum: Forum Issues and Administration
Topic: Can you search for a string like 5.2%?
Replies: 3
Views: 745

Re: Can you search for a string like 5.2%?

Yes. Type 5.2% site:bogleheads.org in your browser address bar. If you have a default search engine specified, what do you get? I just tried this out. Searching for 5.2% in the regular search works, but the advanced search rejects it; the advanced search says The following words in your search quer...
by tech_arch
Mon Jun 26, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3424

Re: Surge Protector for Refrigerator

Not meaning to highjack this thread but my electrical panel doesn't have any open slots to add more circuit breakers. It's my understanding that all these require adding a breaker to install. Any other options for me? My utility offers one that installs behind your meter. Installation took less tha...
by tech_arch
Fri Jun 23, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3424

Re: Surge Protector for Refrigerator

My utility offers a surge protector at the meter, for either $6/month rental ($20 installation fee) or $300 purchase (free installation). It's supposed to protect appliances like our A/C, washer & dryer, and fridge. It offers no warranty against a direct lightning strike, though. We purchased it aft...
by tech_arch
Thu Jun 15, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: Solar attic fans vs. regular turbines?
Replies: 26
Views: 2434

Re: Solar attic fans vs. regular turbines?

I researched these earlier and found enough information online to convince me to not install them. First, normal ventilation should be sufficient for the hot air; if not, a ridge vent may be better. Second, the solar fans are small and don't move much air, making them ineffective. Plus most of the h...
by tech_arch
Thu Jun 15, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1563

Re: Getting a Florida Sunpass

Agreed. The net cost of the sunpass is zero, as they typically give a $5 credit. Last time I bought a 5 dollar Sunpass I was expecting the credit but I am pretty sure that I did not get it. I do like another poster's idea of Scotch Taping the thing to your windshield. I didn't think about that, and...
by tech_arch
Wed Jun 14, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1563

Re: Getting a Florida Sunpass

I just did exactly that...ordered the more durable Sunpass. It's still not clear why I need to enter my plate number on a rental car...or, if I can just enter my plate number, why do I need the Sunpass transponder? Here in PA I use EZPass for rental cars often. I never enter anything...the toll pla...
by tech_arch
Wed Jun 14, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Getting a Florida Sunpass
Replies: 14
Views: 1563

Re: Getting a Florida Sunpass

As an Orlando resident, my advice is to buy the $20 pass that is designed to be moved from vehicle to vehicle. That's only a few days of rental car fees before you come out ahead. Note that officially the system says a new pass might not be active until the next calendar day. If you add the tag numb...
by tech_arch
Mon Jun 12, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 3144

Re: Vue/Sling tv users--what do you miss?

We use Vue on an Amazon Fire device. We're quite happy with just a couple of complaints. * Vue only lets you have a few minutes of buffer when watching live TV. We were used to 30 minutes from previous DVRs. * Can't adjust stop times on the DVR. This can be a problem with live sports * Can't mark re...
by tech_arch
Sun Jun 11, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1874

Re: Best Way To Code A Text Parser

Depending on the output, Microsoft's Log Parser app might be of use. It lets you run SQL queries on log files.
by tech_arch
Tue Jun 06, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: "What Vanguard Fund Has Beaten Its Category Average 16 Years In A Row?
Replies: 14
Views: 2483

Re: "What Vanguard Fund Has Beaten Its Category Average 16 Years In A Row?

I'm confused; according to Morningstar's page for VTSAX it trailed the category in 2007 by 0.59.
by tech_arch
Thu Jun 01, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 4012

Re: Using LastPass to Manage Passwords

I am not sure what is going on here or what I am missing I am using chrome in my 2 desktops at home and 1 at work and 2 android phones. All remember my passwords So why do you need lastpass if you have chrome? This question is not rhetorical: what happens if you're using a computer that isn't yours...
by tech_arch
Thu Jun 01, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: How does a mere mortal navigate healthcare/insurance issues
Replies: 50
Views: 5312

Re: How does a mere mortal navigate healthcare/insurance issues

This happened to me at my last colonoscopy. There's one facility in town that all of the local GI docs use, and it was in-network. My insurance made the anesthesiologist's accept the in-network rate since they were working at an in-network facility. Talk to your insurance company; I think it's reaso...