Search found 702 matches

by nordsteve
Tue Sep 03, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Cold Air Penetrating Window Glass (Winter, Boston)
Replies: 30
Views: 2255

Re: Cold Air Penetrating Window Glass (Winter, Boston)

We have 15 windows in our LR/DR that are 60" tall and vary in width from 18" to 50". They're original 1957 Andersen double pane sealed units. After buying the house we bought Hunter Douglas honeycomb blinds with the cordless system. Most of the year they're up and stowed away, only lower them during...
by nordsteve
Tue Sep 03, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle at Capital One
Replies: 8
Views: 938

Re: Zelle at Capital One

Use Zelle all the time to send cash to kids. Works great. Iirc it just requires the initial account login and nothing further.
by nordsteve
Mon Sep 02, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Internet security and vpn
Replies: 35
Views: 2813

Re: Internet security and vpn

What is the nature of the threat that you're trying to address?

I have Comcast at my house. If I think about threat actors trying to get control of my financial information, Comcast leaking my (already encrypted) traffic is pretty low on my list.
by nordsteve
Wed Aug 28, 2019 9:59 pm
Forum: Personal Investments
Topic: Individual municipal bonds vs municipal bond funds
Replies: 17
Views: 960

Re: Individual municipal bonds vs municipal bond funds

It's simpler than that. Underwriters like the higher coupon for marketing reasons.
by nordsteve
Thu Aug 15, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2037

Re: October in Minnesota

A couple more ideas. Bakken Museum Museum of Russian Art Minneapolis Water Taxi Lake Pepin driving loop, book dinner and hotel In Red Wing at St James If it's nice, rent a canoe on Cannon River in Welch Rent bikes in NE Mpls and bike around to breweries. Be sure to include Sociable, a cidery. Minnes...
by nordsteve
Tue Aug 13, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: [Does Vanguard have a process for handling customer feedback?]
Replies: 24
Views: 1614

Re: [Does Vanguard have a process for handling customer feedback?]

My anecdotes: 1. Never had a customer service problem with Vanguard or Fidelity, as a customer of V for 25 years and F for 15. Nearly all of my activity has been in mutual fund transactions. 2. Vanguard's iOS app is head and shoulders over the Fidelity app. 3. Web sites seem roughly equal in capabil...
by nordsteve
Thu Aug 01, 2019 6:24 am
Forum: Personal Investments
Topic: Does this make sense?
Replies: 6
Views: 635

Re: Does this make sense?

Is the 75% enough on its own for your next down payment?
by nordsteve
Tue Jul 30, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1275

Re: 3 Days in Seattle

Belltown area has a bunch of nice restaurants and is walkable from downtown. You can rent bikes at the ferry terminal on Bainbridge and explore a bit. There are some decent places to eat in Lynwood Center and if you're OK with a hill or two it's not far. Lots of museums -- Boeing Factory Tour, Museu...
by nordsteve
Mon Jul 08, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Membership information and emails for a non-profit
Replies: 8
Views: 538

Re: Membership information and emails for a non-profit

Are you a Techsoup member? There's a pretty good Little Green Light offer for member nonprofits.

BTW, the $25 SF plan is per user pricing, not per contact. You can get 10 free licenses via this offer https://www.salesforce.org/nonprofit_pr ... s-pricing/
by nordsteve
Sun Jul 07, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Motion blur with new TV while watching sports
Replies: 24
Views: 1970

Re: Motion blur with new TV while watching sports

Can also be an issue with the encoding pipeline from your streaming provider. Do you have a high-quality source -- e.g., a top-tier sports match delivered over cable or sat, or a DVD movie with a lot of action -- that you can compare it to?

S
by nordsteve
Sun Jul 07, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial for future son-in-law - RESOLVED
Replies: 46
Views: 2615

Re: Prenuptial for future son-in-law

If I was in their situation and my future in-laws sprung an ultimatum like that, I'd happily accept the "financial independence" offer and raise with "don't bother coming to our wedding" and "nice grandkids you never get to see". Alternately, you might be saving the son-in-law from a difficult marri...
by nordsteve
Thu Jul 04, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to interpret different raise percents?
Replies: 41
Views: 2650

Re: How to interpret different raise percents?

Companies with modern job family structures will have a progression like this: Nut Engineer 1 -- can find correctly sized nuts Nut Engineer 2 -- knows how to tighten nuts Nut Engineer 3 -- tells the level 1 and 2 engineers how tight the nuts should be tightened Nut Engineer 4 -- know which nuts can ...
by nordsteve
Wed Jun 26, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1700

Re: Going to Ireland in July

DUB is well served from the city center by bus, and there's not a big time penalty.

https://www.dublinairport.com/to-from-t ... ort/by-bus

Strongly agree with the advice about the car -- get the smallest car you can, and resist efforts by the agent at the airport to upgrade you to a SUV.
by nordsteve
Wed Jun 26, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Deferred compensation, thoughts?
Replies: 22
Views: 1826

Re: Deferred compensation, thoughts?

I'm also later in my career and, despite my company's AAA bond rating am limiting my exposure by: limiting assets to no more than 10% of savings in plan setting payout to occur no more than 10 years from now You should read the plan documents carefully. Pay close attention to how retirement is defin...
by nordsteve
Tue Jun 25, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1700

Re: Going to Ireland in July

Assign navigation duties to front seat passenger Renting car as you exit Dublin is a good idea Ring of Kerry will be super busy and choked with busses in July. It is nice but there are lots of places with nice scenery in Ireland. look at Westport as a good family option driving to Dublin the same d...
by nordsteve
Mon Jun 24, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 58
Views: 10501

Re: Harry Bosch: the Amazon Series vs the novels

One thing I don't see mentioned in the thread is the gorgeous look of the video in 4k UHD. I have a LG OLED panel and there really isn't anything that looks better on it.
by nordsteve
Mon Jun 24, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1968

Re: Career advice

If your target is FAANG + Microsoft, the only recruiters you should be talking to are ones who work directly for those companies.
by nordsteve
Mon Jun 24, 2019 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1968

Re: Career advice

To follow up on starsfan18's post, here are some specific jobs that you should be looking at -- found by searching for "state government" and selecting "services" in the profession refiner. https://careers.microsoft.com/us/en/job/604151/Sr-Project-Manager-Modern-Apps-Solutions-Public-Sector-Microsof...
by nordsteve
Mon Jun 24, 2019 7:27 am
Forum: Personal Investments
Topic: Social Security - does payoff amount change if I stop contributing?
Replies: 6
Views: 818

Re: Social Security - does payoff amount change if I stop contributing?

In general your Social Security benefit is determined by a combination of the number of years that you work, your wage each year, and the age at which you retire. The online calculators should be able to answer your question - https://www.ssa.gov/planners/calculators/. In particular, the online calc...
by nordsteve
Sun Jun 23, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice
Replies: 20
Views: 1968

Re: Career advice

Agree with the others - lots of jobs that might not be labeled as project management but require that as qualifications.

Example: https://careers.microsoft.com/us/en/job ... am-Manager
by nordsteve
Sun Jun 23, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Suggestions for Wintering Over 2020
Replies: 14
Views: 1816

Re: Suggestions for Wintering Over 2020

TXJeff wrote:
Sun Jun 23, 2019 7:02 am
New Zealand
Specifically, rent a place on Waiheke Island or Coromandel Peninsula. Not super expensive, Auckland nearby for culture, Rotorua nearby for activities. Lots of choices in Coromandel for < NZ$100/night in January and February.
by nordsteve
Thu Jun 13, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3755

Re: Do you repair your own appliances?

I do lots of repairs.

For example - microwave - new magnetron, fabricated custom springs for door latches.

Saves $$$ to do so.
by nordsteve
Thu Jun 13, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: (Water Filtration System) Miracle we are all not dead
Replies: 61
Views: 5748

Re: (Water Filtration System) Miracle we are all not dead

My city operates a certified laboratory that the public can use for testing. https://www.bloomingtonmn.gov/util/laboratory-services
by nordsteve
Sun Jun 02, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: NQ plan [How to handle Non-Qualified plan when leaving employer]
Replies: 6
Views: 418

Re: NQ plan [How to handle Non-Qualified plan when leaving employer]

The NQ plan at my employer had the payout-on-departure term when it first became available to me, and that kept me from using it. They don’t match so that wasn’t a factor. About 5 years ago the terms changed, and now the payout is not coupled to employment status. I started contributing and plan to ...
by nordsteve
Thu May 30, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1995

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

I have used Makita for decades and have been happy with their system, but any of Dewalt, Milwaukee and the other quality brands named above are good choices. Over time, you'll accumulate other tools and so you're really selecting a system now, based around the battery. When I was young, I bought Har...
by nordsteve
Tue May 07, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Where to Buy an Area Rug in a Particular Color
Replies: 7
Views: 754

Re: Where to Buy an Area Rug in a Particular Color

We also went the carpet store route for a custom area rug. Got exactly what we wanted.
by nordsteve
Tue Apr 23, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5520

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I'll echo the other Unifi recommendations. Set them up and never touched them again. Ceiling mounted so they're out of the way.
by nordsteve
Sun Apr 21, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Free / Cost Effective Database for 100+GB Data
Replies: 9
Views: 1105

Re: Free / Cost Effective Database for 100+GB Data

A local database with storage in a SSD is going to be your best bet. Cloud SQL databases are probably going to be more expensive than you need for your application.

A local pgsql or MS SQL Server instance will handle this just fine.
by nordsteve
Sun Apr 21, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4463

Re: Washing Machine that uses a LOT of Water

I had to replace the door seal on our front loader due to mold issues. Prior to doing so, we were diligent about leaving the door open, but did not follow the manufacturer instructions regarding cleaning. Since we started regularly cleaning, no new problems. We are in the "minimal detergent" club. O...
by nordsteve
Sat Apr 06, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 2855

Re: Drill & driver combo kit comparison

Agree that this is a system decision. I've been happy with the 18v Makita line, and have the brushless drill and driver. Both are great.
by nordsteve
Wed Apr 03, 2019 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Start a business or remain an employee?
Replies: 25
Views: 1160

Re: Start a business or remain an employee?

VCs don't invest in ideas. They invest in teams.
by nordsteve
Tue Apr 02, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Boglehead Pilots...advice
Replies: 57
Views: 5681

Re: Boglehead Pilots...advice

I want to echo the other posters who suggested joining a flying club. The club I'm routinely sends 40 hour private candidates to successful examinations. All of the instructors in the club do so because they love it...not to build time on the way to their pilot career.
by nordsteve
Tue Apr 02, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2415

Re: Windows 10 security software

I've only used Defender for the last several years. No issues here.
by nordsteve
Sun Mar 24, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Lock Strategy for New House
Replies: 40
Views: 2881

Re: Lock Strategy for New House

Our house key system has knobs that open with a K key, deadbolts with a D key. Shed padlocks have a S key. A M master key opens every lock. That's the only house key I carry.

This allows us to give the K key to tradespeople but retain the ability to lock the house to them.
by nordsteve
Thu Mar 14, 2019 11:50 pm
Forum: Personal Investments
Topic: How much is too much of one stock in portfolio?
Replies: 17
Views: 1591

Re: How much is too much of one stock in portfolio?

How much unrealized gains do you have?

Decision on new shares is different from those with unrealized gains.
by nordsteve
Thu Mar 14, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: My RSU are causing a tax nightmare
Replies: 15
Views: 2300

Re: My RSU are causing a tax nightmare

I am also compensated partially through restricted stock grants, but my employer allows me to set the percentage that is sold at vesting time. Alphaless' advice is correct. If you don't have enough cash to make estimated tax payments, sell more shares in your own to generate more. If you do it at th...
by nordsteve
Sun Mar 03, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 9
Views: 1915

Picking a VPN -- 2019

Taking a quick look at the history of VPN threads, we haven't had a good one in about a year. This new article in Slate does an excellent job of illustrating the trust issues surrounding VPN provider selection. https://slate.com/technology/2019/02/best-vpn-companies-trust-privacy.html I personally d...
by nordsteve
Fri Feb 22, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 140
Views: 14130

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

The neighborhoods going east on University from the East Bank, West of 280, have several new apartments that meet your criteria. You can easily take the train or ride the cycle way from there to the west side of the river. St Anthony Park, west of 280, has older housing with convenient public transp...
by nordsteve
Thu Feb 14, 2019 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Puzzle
Replies: 22
Views: 1517

Re: Student Loan Repayment Puzzle

At those $ amounts I'd also be looking at moving some of the debt to 0% credit card offers. Amount would depend on how stable my income was.
by nordsteve
Wed Feb 13, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Check for abandoned property -- worked twice for me
Replies: 58
Views: 9148

Re: Check for abandoned property -- worked twice for me

I submitted two weeks ago for a $50 refund from T Mobile that somehow could not find its way to my current address, despite that being the address on the unclaimed property site. Check arrived today. I live in Minnesota, check was from the state.
by nordsteve
Sat Feb 02, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?
Replies: 12
Views: 1159

Re: Tawny Port (Not Vintage Port): Sandeman or Taylor Fladgate?

For the past several years I've been buying the Otima 10 year. Very nice.
by nordsteve
Sat Feb 02, 2019 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Payroll company for small/micro business
Replies: 11
Views: 798

Re: Payroll company for small/micro business

For that level of payroll, why do you need a payroll service in the first place?
by nordsteve
Sat Jan 26, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Medi-Cal estate recovery upon death
Replies: 10
Views: 683

Re: Medi-Cal estate recovery upon death

Did mom previously have other assets, and give them away in the last several years?
by nordsteve
Wed Jan 23, 2019 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice - quit 6-figure job to do coding school?
Replies: 118
Views: 9693

Re: Need Advice - quit 6-figure job to do coding school?

One option I don't see discussed is a program management job at one of the mega software businesses. Many PM jobs would be well suited to someone with a combo of CS and business background. https://www.google.com/intl/en_us/about/careers/teams/ops-support/program/ https://careers.microsoft.com/us/en...
by nordsteve
Mon Jan 14, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10339

Re: Who's flying?

FlyerTalk would be a better location to get current info on this.

For example, thread from this morning in the DL forum on ATL: https://www.flyertalk.com/forum/delta-a ... ds-up.html
by nordsteve
Sun Jan 13, 2019 10:45 pm
Forum: Personal Consumer Issues
Topic: [Peter Jackson’s “They shall not grow old” - now streaming on Amazon Prime]
Replies: 77
Views: 10531

Re: [Peter Jackson’s “They shall not grow old”]

Took my child and my father to this as his xmas present. Both of them really enjoyed it. Highly recommended.
by nordsteve
Sun Jan 13, 2019 4:59 pm
Forum: Personal Investments
Topic: I’m 30 and recently debt free and new to investing
Replies: 18
Views: 2155

Re: I’m 30 and recently debt free and new to investing

Does your employer's 401k have a brokerage option with reasonable trades? That would be a route out of the high ERs.
by nordsteve
Sat Jan 12, 2019 11:02 am
Forum: Personal Investments
Topic: Rollover - why checks instead of wiring funds?
Replies: 42
Views: 2629

Re: Rollover - why checks instead of wiring funds?

If you end up getting a check, keep in mind that at some dollar amount it’s worth using an overnight courier to deliver it to its destination.
by nordsteve
Sat Jan 12, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Setting up 501(c)(3) account
Replies: 2
Views: 220

Re: Setting up 501(c)(3) account

I’ve been an officer and director of multiple nonprofit organizations. Given that you intend to liquidate the positions held at your legacy advisor, what you propose is very simple. The organization opens a new account at Vanguard or Fidelity. You direct the advisor at the legacy advisor to liquidat...
by nordsteve
Thu Jan 03, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: HE Washer/Dryers - What do you have..are you pleased?
Replies: 33
Views: 2531

Re: HE Washer/Dryers - What do you have..are you pleased?

I have a Whirlpool Duet Sport front loader that I bought several years ago. It works well. Didn’t initially run the cleaning cycle on it and ended up having to replace the door gasket due to mold. Now do the monthly cleaning cycle and no problems since then. If you’re concerned about low-water usage...