Search found 124 matches

by newbie003
Mon Dec 10, 2018 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for kids
Replies: 100
Views: 10646

Re: ROTH Ira for kids

My pleasure. ETrade also has plenty of no commission ETFs and some mutual funds with no minimum investment (SWTSX for example).
by newbie003
Mon Dec 10, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for kids
Replies: 100
Views: 10646

Re: ROTH Ira for kids

Personally I love E*trade. I think it's a much better interface than TD. It easily links/shows all accounts under one login.
by newbie003
Wed Nov 21, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Why won't amazon adjust a price or otherwise credit me?
Replies: 14
Views: 1856

Why won't amazon adjust a price or otherwise credit me?

I bought something (made/sold by them) 5 days ago. Today it's $80 cheaper. They'd rather me return it (at their cost) and then re-buy it, rather than just credit me the $80. Does this make any business sense at all? Now they are out the $8 shipping (or whatever their cost is), and they are stuck wit...
by newbie003
Mon Nov 19, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 554

Re: Correct oil for snowblower

I have a Toro 726 and it says to "Use automotive detergent oil with an API service classifcation of SF, SG, SH, SJ, SL, or higher." Is this oil ok to use: https://www.amazon.com/gp/product/B006P0WNMW ? It says "Meets API SN and ILSAC GF-5", and I assume 'SN' as referenced herein is higher than SL.....
by newbie003
Mon Nov 19, 2018 3:24 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 554

Re: Correct oil for snowblower

Nicolas wrote:
Mon Nov 19, 2018 3:22 pm
SN is higher than SL so yes it’s ok
Thanks!
by newbie003
Mon Nov 19, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 554

Re: Correct oil for snowblower

Not new. I believe it's 3-4 years old (I bought it used a couple of years ago).

Therefore, as synthetic should be fine, do the other specs look ok? I always thought oil was just oil (as long as the 5W 30 part was correct) and didn't know to look for anything other than that.
by newbie003
Mon Nov 19, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 554

Correct oil for snowblower

I have a Toro 726 and it says to "Use automotive detergent oil with an API service classifcation of SF, SG, SH, SJ, SL, or higher." Is this oil ok to use: https://www.amazon.com/gp/product/B006P0WNMW ? It says "Meets API SN and ILSAC GF-5", and I assume 'SN' as referenced herein is higher than SL......
by newbie003
Thu Nov 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: High lumen outdoor LED bulbs
Replies: 6
Views: 597

High lumen outdoor LED bulbs

I'm trying to find the largest (highest lumen) A19 or maybe A21 led bulb for use in an exterior fixture. It's not entirely enclosed and won't get hit with elements, but is otherwise outdoors. I'm in the northeast so it gets cold in winter and humid in summer. I keep coming across what look to be goo...
by newbie003
Fri Sep 21, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Converting Tablespoons to (non-liquid) ounces
Replies: 3
Views: 301

Converting Tablespoons to (non-liquid) ounces

This may be a dumb question; but if I have a 60 ounce container of (in this case) Borax detergent booster, how many tablespoons are in there? I know that 60 ounces = 120 tablespoons, but that's liquid ounces. Is it the same thing? Or is there some other way to figure out how many table spoons are in...
by newbie003
Fri Sep 21, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Looking for best quality indoor security camera
Replies: 9
Views: 552

Re: Looking for best quality indoor security camera

Thanks everyone. Is the Wyze camera safe (in terms of how secure it is, where it's sending my data...)? There seems to be some scary info online about what it does with data. Then again, can probably find similar info if you google any of these camera...
by newbie003
Fri Sep 21, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Looking for best quality indoor security camera
Replies: 9
Views: 552

Looking for best quality indoor security camera

I currently have nest outdoor cameras, which I've tried indoors, but I find the quality lacking (doesn't really seem to be 1080). Maybe it just doesn't work as well indoors? In any case, am thinking of getting an indoor nest cam or the Amazon cloud cam. I'm trying to stick with the bigger names but ...
by newbie003
Thu Aug 30, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: What site/brokerage/app, etc. is best for investing small amounts?
Replies: 4
Views: 466

Re: What site/brokerage/app, etc. is best for investing small amounts?

It would help if you explain the underlying purpose of what you're doing. Are you trying to introduce your son to best practices for accumulating wealth, or are you using this as a springboard to educate him on equity markets, financial statements, etc...? If you're looking to get him started on a ...
by newbie003
Wed Aug 29, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: What site/brokerage/app, etc. is best for investing small amounts?
Replies: 4
Views: 466

What site/brokerage/app, etc. is best for investing small amounts?

I've done a lot of searching through the forums and online, and still can't figure out the best (essentially, cheapest/not wasting money on fees) company to use for investing small amounts (especially with the ability for partial investments). In other words, we want to give our son (to start) $1,00...
by newbie003
Sat Aug 11, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Switching broker, how to track cost basis for hundreds of small lots
Replies: 2
Views: 434

Switching broker, how to track cost basis for hundreds of small lots

I'm most likely switching my parent's accounts from TD to E*Trade (for various reasons, not the subject of this post). My question is; how can I best track the cost basis after the move? I know I can edit it in E*Trade, but they have several holdings which they've had for 10+ years, reinvesting divi...
by newbie003
Wed Aug 08, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

Thanks for all the input everybody. While I like the idea of the chrombox or the NUC (and might look into that for my kids), for my dad, I just want to keep it simple with a traditional windows pc from dell, hp... I'll keep an eye on any great deals from dell, and will monitor their outlet as well....
by newbie003
Wed Aug 08, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

Thanks for all the input everybody. While I like the idea of the chrombox or the NUC (and might look into that for my kids), for my dad, I just want to keep it simple with a traditional windows pc from dell, hp... I'll keep an eye on any great deals from dell, and will monitor their outlet as well. ...
by newbie003
Wed Aug 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

Earl Lemongrab wrote:
Wed Aug 08, 2018 2:05 pm
mega317 wrote:
Wed Aug 08, 2018 9:47 am
You could also just try adding an SSD and upgrading the RAM.
That was my thought. Depends a bit on the features of the current computer.
I'm assuming it's more of a 'windows gets bogged down after many years' type of thing. But maybe I'll try an SSD/RAM to see if that helps.
by newbie003
Wed Aug 08, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

Any thoughts on this: http://outlet.us.dell.com/ArbOnlineSales/Online/SecondaryInventorySearch.aspx?c=us&cs=22&l=en&s=dfh&sign=PXhcOSHtr1T4IOw%2fPR7UdeNswHza5Yf4jvGaHb%2fgP1VmRVEMqEskpiPmo2W7twq9EZqe2JnIjb2Jm8Y8Sl%2f2UK6iJ9tZYzjtK52JgfdbEdBPM6cWRWOZx2Xrwrctkz6HIJezrS1LwA8GH%2bEZ%2bSTzlRPX8Vi%2bmJzQ%...
by newbie003
Wed Aug 08, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

In what way has he had enough? What are the current specs? A 6 year old computer should be able to easily handle what he's doing. I would buy a used old computer, maybe not 6 years old. Here's one of the first hits I found in a search, it's $270. https://www.newegg.com/Product/Product.aspx?Item=N82...
by newbie003
Wed Aug 08, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

Re: What (simple) desktop to buy

At the dell outlet, are you getting refurbished, or just overstock/old?
by newbie003
Wed Aug 08, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: What (simple) desktop to buy
Replies: 29
Views: 1457

What (simple) desktop to buy

My dad (71 years old, ok with computers), has finally had enough of his 6+ year old desktop. He pretty much only uses it for Thunderbird (synced via IMAP to gmail), Word, Excel & Chrome. Any thoughts on these: https://www.officedepot.com/a/products/653277/Dell-Inspiron-Desktop-PC-AMD-Ryzen/ https://...
by newbie003
Tue Aug 07, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 1039

Re: Should I close a newly opened card that I no longer use?

retiredjg wrote:
Tue Aug 07, 2018 7:59 am
You can transfer the available credit to another card?
Yes, they told me I could do that (as I have other, existing cards at the particular bank, Chase).
by newbie003
Tue Aug 07, 2018 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 1039

Re: Should I close a newly opened card that I no longer use?

Thanks everybody. I'll go ahead and close it out (once I transfer the available credit to another card).
by newbie003
Mon Aug 06, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 1039

Re: Should I close a newly opened card that I no longer use?

I wouldn't keep it, ESPECIALLY with a fee. Some companies say you can't earn rewards again for 24 months after you open or CLOSE an account (though they don't seem to be as strict on the closing part), so if you want to cycle this one every two years it might be even more worth it. We do this a cou...
by newbie003
Mon Aug 06, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 1039

Re: Should I close a newly opened card that I no longer use?

Thanks so far for the responses, but a quick update/further info; I already have several/many cards, so I don't need another for any reason at all (the reasons some of you have listed are quite valid, they just don't apply to me). I'm really only trying to figure out if there's any downside, in term...
by newbie003
Mon Aug 06, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I close a newly opened card that I no longer use?
Replies: 18
Views: 1039

Should I close a newly opened card that I no longer use?

I have a really high credit score and normally don't like to open any new credit cards. I made an exception as there was one card in particular that was offering a really good reward. Now that I have the reward, I can close the account. I did notice that my credit took a bit of a dip after I opened ...
by newbie003
Wed Jul 25, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1742

How early to get to an airport (JFK specifically) for domestic flight

In reality, how early do I need to arrive for a domestic flight? It's at 3:15 PM, I believe boarding starts at 2:30.

We'll check-in online, and only have carry-on.

Thanks!
by newbie003
Fri Jul 20, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Best way to setup/configure Echo Spots for the kids
Replies: 2
Views: 182

Best way to setup/configure Echo Spots for the kids

Just bought 2 echo spots (one for each kid to put in their rooms). Probably should have just gotten dots, but whatever, it was a good prime day deal... In any case, I just set them up/registered them under my Amazon account. I don't see any obvious way to restrict access to the devices (not sure wha...
by newbie003
Tue Jul 10, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1626

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Tue Jul 10, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 10221

Re: How to remove garden hose nozzle that is stuck on a hose

Just an update that I finally got around to trying something. I bought this: https://www.amazon.com/gp/product/B0008 ... UTF8&psc=1

I used a saw to cut off the old hose end, attached the item above and (not to jinx it), so far so good!
by newbie003
Tue Jul 10, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1626

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Wed Jul 04, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1626

Re: iPhone: difference between icloud photo library and icloud backup

iCloud backup: This saves most of the information on your phone in a backup file which would be used if your iPhone was lost, stolen, or otherwise replaced. iCloud Photos: Your photo library is universal to your Apple ID. If you get a new iPad, MacBook, iMac, or iPhone, all of your photos will appe...
by newbie003
Tue Jul 03, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: iPhone: difference between icloud photo library and icloud backup
Replies: 18
Views: 1626

iPhone: difference between icloud photo library and icloud backup

Question; what's the difference between enabling icloud photo library, and selecting photos as part of the icloud backup? I assume they both use the same amount of storage which comes out of my icloud plan (which i'd upgrade to the 200GB). I assume the only difference is that icloud photo library al...
by newbie003
Tue Jun 12, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 271

Re: E*Trade IPOs

David Jay wrote:
Tue Jun 12, 2018 12:27 pm
I suspect that BH is not the best source for IPO information. As a forum, we tend to have minimal holdings in individual stocks.
Good point, thanks.
by newbie003
Tue Jun 12, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: E*Trade IPOs
Replies: 3
Views: 271

E*Trade IPOs

Has anyone had any luck in getting shares of IPOs via E*Trade? I've had sporadic luck in the past (much better years ago, not so much the past couple).

Thanks.
by newbie003
Thu May 31, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 388

Re: Need help with 401k portfolio

I feel that the target funds are out due to their fees (and thank you for reminding me about the higher fees on some of the other funds I like).

Still reading through your posts.
by newbie003
Thu May 31, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 388

Re: Need help with 401k portfolio

I added the expense ratios above and will read your responses momentarily. Thanks!
by newbie003
Thu May 31, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Need help with 401k portfolio
Replies: 4
Views: 388

Need help with 401k portfolio

Am 42, with about half my net work in my old company's 401k at Fidelity. Would like this half of my net work to be allocated assuming I have no other holdings elsewhere (and therefore not worry about how those other funds are allocated). For this exercise, I want to assume these are my only holdings...
by newbie003
Thu May 31, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: High Yield savings accounts recommendations
Replies: 14
Views: 2069

Re: High Yield savings accounts recommendations

Does anyone have any experience with United Bank (https://www.bankatunited.com/Landing/Advantage-Money-Market)? It's at 1.95% right now. I'm currently at Amex personal savings (1.6%), with about $20k, so for the extra $40/year (and then more with compounding) I'm not sure it's worth the slight hassl...
by newbie003
Wed May 30, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Pimco total return (PTTRX) ??
Replies: 19
Views: 2052

Thoughts on Pimco total return (PTTRX) ??

My 401k has PIMCO Total Return Fund Institutional Class (PTTRX) as an option. I'm intrigued, as it has a 7.23% CAGR since June 1987 (according to www.portfoliovisualizer.com) though very weak performance lately. It's only been down a few times since 1987 (and never more than a few %). Any thoughts a...
by newbie003
Mon May 14, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Need help creating time laps video using nest cam outdoor
Replies: 1
Views: 238

Need help creating time laps video using nest cam outdoor

I could use some creating a time laps using nest cam outdoor. I know how to create a time laps, but I'm trying to go back the maximum (10 days) that's recorded on my plan. As best I can tell, I have to keep dragging the blue bar on the bottom to the left, but it only goes a few 'ticks' at a time. I ...
by newbie003
Fri May 11, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 4026

Re: Do I need to unfreeze my credit before applying for a new card?

Since I didn't unfreeze my credit, I received a letter in the mail from the credit card company asking for a PIN from experian. It was very easy to obtain one. I then called the # on the letter and gave them the PIN. They said they got what they needed and will let me know. Thanks again for all the ...
by newbie003
Wed May 09, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 4034

Re: Which cordless weed whacker to buy?

I've been happy with this one (rechargeable battery operated):

https://www.amazon.com/gp/product/B00HH ... UTF8&psc=1
by newbie003
Wed May 09, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 4026

Re: Do I need to unfreeze my credit before applying for a new card?

On a related note, it seems that Equifax and Transunion I can unlock for free, but Experian has a fee (at least here in CT). Is that your experience as well? I can't recall if I paid to lock it, but if I have to pay to unlock it (temporarily to get credit) and then pay to lock it again...that's of c...
by newbie003
Tue May 08, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 10221

How to remove garden hose nozzle that is stuck on a hose

I have tried wd40, pliers, etc... and I cannot get my hose nozzle to budge. Any thoughts?
by newbie003
Tue May 08, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 4026

Do I need to unfreeze my credit before applying for a new card?

I have my credit 'frozen' (I went to each of the 3 agencies and froze/locked my credit). Do I need to unfreeze it at each company before applying for a new credit card?
by newbie003
Tue May 08, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade vs. E*Trade website
Replies: 3
Views: 323

TD Ameritrade vs. E*Trade website

How do you all feel, overall, about the TD website vs. the E*Trade website? I've been with E*Trade for 12 years or so (but did have TD before that), and my parents are still at TD. I absolutely hate, hate, hate the TD website. I find it extremely cumbersome/difficult to pull up a simple history, fin...