Search found 761 matches

by nordsteve
Sat May 23, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Cheap way to ship a few boxes?
Replies: 14
Views: 914

Re: Cheap way to ship a few boxes?

Some companies share their shipping discount with employees. Ask around with your friends.
by nordsteve
Sun May 10, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Simplest Coffee Cold Brew Systems
Replies: 16
Views: 948

Re: Simplest Coffee Cold Brew Systems

I combine the ground coffee with water in a jug, and leave it on the counter overnight. Then strain it using a coffee maker filter.
by nordsteve
Sat May 09, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3645

Re: Will a vpn complicate or improve my internet experience?

2.) To hide my information from my ISP. I know my ISP collects and sells information and I also don't think it's any of their business what I'm doing on my connection. It was my understanding that my information is at least hidden from them even it the data eventually is vulnerable at a later point...
by nordsteve
Tue May 05, 2020 7:54 am
Forum: Personal Finance (Not Investing)
Topic: sending a fax to IRS (w/o a fax machine!)
Replies: 10
Views: 809

Re: sending a fax to IRS (w/o a fax machine!)

FedEx Office or UPS Store is where I'd go for this.

Or talk to a friend who works in an office and ask them to send it for you.

Or talk to a friend who works remotely for a big company. They all have scan-to-fax capability.
by nordsteve
Tue May 05, 2020 7:52 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2947

Re: New laptop/desktop for [Work From Home]?

We have the XPS that others have mentioned at home and I really like it.

Another option is a recent T series ThinkPad. Something like this is a tank and would handle your workload really well.

https://www.ebay.com/itm/223998209352
by nordsteve
Tue May 05, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Years of service
Replies: 5
Views: 701

Re: Years of service

My wife received service credit for prior experience when she took her current job.
by nordsteve
Mon Apr 27, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: How to do temporary USPS Mail forwarding without address getting updated to credit bureaus.
Replies: 19
Views: 1567

Re: How to do temporary USPS Mail forwarding without address getting updated to credit bureaus.

Are you entering your forwarding order as a temporary order? Supposedly temporary orders are not sent on the NCOA feed.
by nordsteve
Sat Apr 18, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: How to get Liquid Hand Soap? seriously.
Replies: 76
Views: 4245

Re: How to get Liquid Hand Soap? seriously.

Use a foam pump to make hand soap go farther.

Cuisipro 13.2-Ounce Foam Pump, Black https://www.amazon.com/dp/B007JT28EG/re ... MEb99HSVP2
by nordsteve
Fri Apr 17, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Having internet connectivity issues during the workday
Replies: 51
Views: 2901

Re: Having internet connectivity issues during the workday

A couple ideas - as background I work in digital video on one of the services many of you are using. Xfinity business service does use a dedicated slice of their infrastructure, so if you want better daytime perf that's worth trying. You also get faster service and more experienced techs when there’...
by nordsteve
Tue Apr 07, 2020 9:20 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinders
Replies: 69
Views: 3129

Re: Coffee Grinders

I also have the Baratza Virtuoso. Was time to replace the grinders, and did the GB 2 rebuild. It's a great unit.
by nordsteve
Sun Apr 05, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 freelancers: would you cut your rate at a client's request?
Replies: 26
Views: 1449

Re: 1099 freelancers: would you cut your rate at a client's request?

From an anchoring point of view, you are better off agreeing to reduce hours billed for a period of time, and keep your rate fixed.

It is the same tactics that big residential landlords use with the "free month".
by nordsteve
Sat Apr 04, 2020 4:48 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2769

Re: is a $1000+ herman miller office chair worth the investment?

I have the B size Aeron chair with the lumbar support. Its great, have been a big fan of the Aeron since the first one I got in 1999. I think I paid $8xx for mine new in 2015, on an hourly basis it's probably cost <$0.10/ hour at this point. There are tons on Craigslist for $4-500 in my area right n...
by nordsteve
Thu Mar 26, 2020 8:10 am
Forum: Investing - Theory, News & General
Topic: Unemployment numbers
Replies: 40
Views: 2966

Re: Unemployment numbers

jebmke wrote:
Thu Mar 26, 2020 8:05 am
Did Ohio report? Last time I checked they were planning to suppress the data.
First hit when I search under News for "Ohio unemployment" is https://www.cleveland.com/coronavirus/2 ... utType=amp
by nordsteve
Thu Mar 26, 2020 7:32 am
Forum: Personal Investments
Topic: How much to keep at Vanguard?
Replies: 12
Views: 1536

Re: How much to keep at Vanguard?

Like wolf359, I keep accounts at both.

One useful property of a Fidelity account is that they have physical offices you can visit if necessary.
by nordsteve
Mon Mar 02, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: Question on New Fence Etiquette
Replies: 29
Views: 2891

Re: Question on New Fence Etiquette

3. As the owner of the fence the finished (nicer) side of the boundary fence faces your property. If the fence is against a street/sidewalk boundary the finished (nicer) side of the fence usually faces the public street/sidewalk. Fence law is very local. In some jurisdictions, the “nice” side of th...
by nordsteve
Sat Feb 22, 2020 7:21 pm
Forum: Personal Consumer Issues
Topic: Microsoft OneDrive questions
Replies: 48
Views: 2878

Re: Microsoft OneDrive questions

If you're concerned about security, you should enable two step account verification and use the authenticator as the second factor. Instructions here: https://support.microsoft.com/en-us/help/12408/microsoft-account-how-to-use-two-step-verification Be sure to print an account recovery code, seal it ...
by nordsteve
Sat Feb 22, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: New Grad with fashion design degree looking for job in that field
Replies: 99
Views: 3590

Re: New Grad with fashion design degree looking for job in that field

Target has 0 year designer jobs posted. Very design focused company, great place for a designer to start.

https://jobs.target.com/category/produc ... 118/7176/1
by nordsteve
Fri Feb 21, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Help me buy a cheap computer, Citrix questions
Replies: 26
Views: 2430

Re: Help me buy a cheap computer, Citrix questions

Something like this would meet your needs, and likely would have driver support for longer than many cheap consumer laptops.

https://rover.ebay.com/rover/0/0/0?mpre ... 4518746573
by nordsteve
Mon Feb 10, 2020 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Quitclaim deed: how to handle changed last name and marital status
Replies: 12
Views: 1072

Re: Quitclaim deed: how to handle changed last name and marital status

If they're doing an estate plan update, this is the sort of thing that would be incrementally very cheap to do.

I'm the executor of my parents' estate, and I don't want the hassle of poorly done transfers like this, so I insist that they use attorneys for this sort of work.
by nordsteve
Mon Feb 10, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Quitclaim deed: how to handle changed last name and marital status
Replies: 12
Views: 1072

Re: Quitclaim deed: how to handle changed last name and marital status

Personally I would spend the couple hundred bucks it would cost to get this done exactly right.
by nordsteve
Fri Jan 24, 2020 8:48 am
Forum: Personal Consumer Issues
Topic: Which of these two water heater would be cheaper to run and why?
Replies: 31
Views: 2529

Re: Which of these two water heater would be cheaper to run and why?

Be sure to consider whether heat loss goes into a space that's heated during part of the year. For those time periods, losses reduce your overall space heating costs. If the water heater and the heating system use the same fuel, it's close to a wash.
by nordsteve
Mon Dec 30, 2019 9:01 pm
Forum: Investing - Theory, News & General
Topic: Individual munis at original issue, 3-4% coupon, but 1.x% yield?
Replies: 4
Views: 392

Re: Individual munis at original issue, 3-4% coupon, but 1.x% yield?

Naive buyers like the higher coupon. Looks like you're smart enough to look past that.

As an alternative to buying individual MN munis, give some thought to buying SMTFX.
by nordsteve
Mon Dec 23, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7309

Re: What tech wiring in new build house?

One other thing to consider is to install niches for your wi-fi access points. Every house I had puts the access point on a table, desk, or some object. I wish it was in or on the wall like a doorbell dinger. They are better up high and with fewer obstructions. But they need power and a wired conne...
by nordsteve
Mon Dec 23, 2019 4:06 pm
Forum: Investing - Theory, News & General
Topic: Can you buy a muni bond fund if you don't live in the city?
Replies: 12
Views: 851

Re: Can you buy a muni bond fund if you don't live in the city?

A quick search shows that MEMUX is available at Fidelity, but the 2.52% load probably makes it not worth owning.
by nordsteve
Fri Dec 20, 2019 9:08 am
Forum: Personal Investments
Topic: Newbie here: best way to buy actual Munis?
Replies: 5
Views: 555

Re: Newbie here: best way to buy actual Munis?

I'll start out by saying that, for most people, buying a fund is a better idea than building your own portfolio of bonds. 95% of my bond holdings are in SMTFX in taxable and VBTLX in retirement, the remainder are in bonds that I've bought as experiments to learn more about buying individual bonds. B...
by nordsteve
Thu Dec 19, 2019 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Buying House-Clear Title Concern
Replies: 7
Views: 614

Re: Buying House-Clear Title Concern

It would be an unusual deal indeed where a fee simple buyer would lose their earnest money due to unresolved title issues.
by nordsteve
Tue Dec 17, 2019 12:07 pm
Forum: Investing - Theory, News & General
Topic: Why Total Bond and not Treasuries?
Replies: 161
Views: 14592

Re: Why Total Bond and not Treasuries?

I only use U.S. treasury bills. Why? 1.) nothing safer Hasn't been true for several years. There are both corporate and mini bond issues rated higher than treasures. It is what they said in 2008 as well. CMO's were rated AAA when the U.S. was downgraded. You really believe corporate debt or muni bo...
by nordsteve
Tue Dec 17, 2019 11:47 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond and not Treasuries?
Replies: 161
Views: 14592

Re: Why Total Bond and not Treasuries?

I only use U.S. treasury bills. Why? 1.) nothing safer Hasn't been true for several years. There are both corporate and mini bond issues rated higher than treasures. It is what they said in 2008 as well. CMO's were rated AAA when the U.S. was downgraded. You really believe corporate debt or muni bo...
by nordsteve
Tue Dec 17, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Why Total Bond and not Treasuries?
Replies: 161
Views: 14592

Re: Why Total Bond and not Treasuries?

Ferdinand2014 wrote:
Sat Dec 14, 2019 9:53 pm
I only use U.S. treasury bills.

Why?
1.) nothing safer
Hasn't been true for several years. There are both corporate and mini bond issues rated higher than treasures.
by nordsteve
Sun Dec 15, 2019 9:29 pm
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 90
Views: 7151

Re: Not Experiencing Any Problems With Vanguard

Customer of 20 years. No issues so far *knocks on wood*.
by nordsteve
Sat Dec 14, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Need high speed scanner for diverse documents
Replies: 53
Views: 2561

Re: Need high speed scanner for diverse documents

There’s not a bundled OCR tool for scanning workflows in Windows.
by nordsteve
Sat Dec 14, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Need high speed scanner for diverse documents
Replies: 53
Views: 2561

Re: Need high speed scanner for diverse documents

OP here, thanks, seems to be a consensus. A shopping curiosity-- I prefer to avoid Amazon, so went to the BestBuy website to see what the surcharge would be to support brick-and-mortar. Black version $464, Grey version had two listings with totally different part numbers for what appeared to be an ...
by nordsteve
Fri Dec 13, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Need high speed scanner for diverse documents
Replies: 53
Views: 2561

Re: Need high speed scanner for diverse documents

I'm also in the ScanSnap club. If you search in the site I've posted several times about the ScanSnap and my workflow. With OCR, you don't need to spend the time to organize the files. Just OCR them, and then dump them in a single folder. Search for what you want. I have a single folder in OneDrive ...
by nordsteve
Fri Dec 13, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Ultralight laptop - docking station?
Replies: 41
Views: 2230

Re: Ultralight laptop - docking station?

Agreed that the USB-connected docks are the wave of the future.

There are also generic USB-3 docking stations example that may work with your current machine.
by nordsteve
Mon Dec 09, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5668

Re: Recommend Laptop

Have to agree with the others. The T470S offer is an outstanding one.
by nordsteve
Sun Dec 08, 2019 2:15 am
Forum: Personal Investments
Topic: Is Chase's Commission-free Trade Account Better than Vanguard Fund?
Replies: 6
Views: 552

Re: Is Chase's Commission-free Trade Account Better than Vanguard Fund?

They're two different things -- the Chase account is a brokerage account, and the S&P 500 fund is an investment.
by nordsteve
Sun Dec 08, 2019 2:11 am
Forum: Investing - Theory, News & General
Topic: Do you strictly manage your portfolio percentages of stocks and bonds?
Replies: 64
Views: 4841

Re: Do you strictly manage your portfolio percentages of stocks and bonds?

I do an analysis annually, and adjust if it's more than 1-2% off.
by nordsteve
Fri Dec 06, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: flip phone for post 3G
Replies: 15
Views: 1370

Re: flip phone for post 3G

If you are open to feature phones that are not flip phones, consider Nokia 3310 or 8110.
by nordsteve
Thu Nov 28, 2019 11:11 pm
Forum: Forum Issues and Administration
Topic: Giving thanks to our moderators
Replies: 91
Views: 4966

Re: Giving thanks to our moderators

The high quality moderation is what makes this site great. Thanks!
by nordsteve
Fri Nov 15, 2019 6:50 pm
Forum: Personal Investments
Topic: New to Forum. Vanguard funds from Fidelity account?
Replies: 10
Views: 804

Re: New to Forum. Vanguard funds from Fidelity account?

Buying Vanguard funds and ETFs at Fidelity isn't free, so I wouldn't recommend that. You can buy iShares ETFs at Fidelity without paying commission and of course Fidelity has excellent in-house mutual funds with no purchase fees. Buying Vanguard ETFs is free at Fidelity. Along with every other ETF ...
by nordsteve
Fri Nov 15, 2019 5:00 pm
Forum: Personal Investments
Topic: New to Forum. Vanguard funds from Fidelity account?
Replies: 10
Views: 804

Re: New to Forum. Vanguard funds from Fidelity account?

Another option is to buy VTI at Fidelity. That way if you decide to move it's a brokerage transfer.
by nordsteve
Sun Nov 10, 2019 6:31 pm
Forum: Personal Investments
Topic: Questions about Fidelity Charitable DAF
Replies: 43
Views: 3393

Re: Questions about Fidelity Charitable DAF

For those that have a DAF, is Fidelity's the lowest cost at $100/year for up to $16.6k in assets? For those that have a Fidelity DAF: 1. Can you move assets from your taxable to the DAF online or do you have to call them or fax them? yes, you can go through their UI and select assets out of your el...
by nordsteve
Tue Nov 05, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6134

Re: Stinky Front Loader (Washer)

I run the monthly cleaning cycle on mine using bleach (same time of the month when I run the Affresh cleaning on the dishwasher). No issues since starting to do so.
by nordsteve
Mon Nov 04, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1260

Re: Portable Lantern

If the attic is dark wood, you might need more light than you think. An alternative is to borrow a generator and use work lights.
by nordsteve
Mon Nov 04, 2019 10:10 am
Forum: Personal Investments
Topic: 37 yr old check-in/quick question
Replies: 10
Views: 1330

Re: 37 yr old check-in/quick question

There's nothing wrong with using the 2050 fund if it matches your goals and risk tolerance.

Do you live in a HCOL area, or did you recently arrive at this income level? I'm asking because you have a low accumulation in taxable given your income situation.
by nordsteve
Mon Oct 21, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 16
Views: 3816

Re: Picking a VPN -- 2019

Bringing this thread back to life -- looks like NordVPN got hacked. This illustrates the difficulty an outsider has in assessing the security of VPN services, when compared with competitors or just using your ISPs network.

https://techcrunch.com/2019/10/21/nordv ... as-hacked/
by nordsteve
Fri Oct 04, 2019 6:59 pm
Forum: Personal Investments
Topic: Munis in Taxable or Bonds in the 401K?
Replies: 41
Views: 3180

Re: Munis in Taxable or Bonds in the 401K?

When I rant the numbers for my scenario: married, high tax bracket, high state tax state -- a muni bond fund in taxable made sense.
by nordsteve
Fri Oct 04, 2019 6:41 pm
Forum: Personal Investments
Topic: Deducting building costs from business income?
Replies: 6
Views: 509

Re: Deducting building costs from business income?

Generally you can depreciate property used for business purposes. But at that $$ amount it really sounds like a question for your CPA or tax preparer.