Search found 331 matches

by Lacrocious
Wed Nov 27, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Sam's Auto Buying
Replies: 8
Views: 1112

Re: Sam's Auto Buying

We used the Costco program once - we are not Sams Club members. It really comes down to price, time and effort. With the program, we got a reasonably good price for very little effort. Certainly much less than just going to a dealer and not negotiating much. I am positive we could have gotten a lowe...
by Lacrocious
Wed Nov 20, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Alternatives to VOIPo?
Replies: 50
Views: 2932

Re: Alternatives to VOIPo?

As others have stated - we have been very happy with VIOP.MS and a OBI202. The phone number is $0.99/month; e-911 is $1.50/month. Total = $2.49/month + calls. We don't use it much anymore - so a little goes a long way.
- L
by Lacrocious
Wed Nov 13, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Is LastPass still top in security, any reason to switch?
Replies: 47
Views: 5239

Re: Is LastPass still top in security, any reason to switch?

...Many sites I use ask a large number of extra security questions of their choosing - I include all of that in lastpass because I can't remember if I entered "Toyota, Toyota Carolla, or just Carolla" :D Don't answer correctly - make something up and put it in your password manager of choice. What ...
by Lacrocious
Sun Sep 29, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: CamScanner alternative?
Replies: 10
Views: 1269

Re: CamScanner alternative?

I have used ScanBot on IOS for years - single purchase. IT does iCloud, Dropbox, OneDrive, Evernote, Box.com, Amazon Drive, OwnCloud, NextCloud, and more. A bit ago they added a more super-premium feature set for a subscription, but everything I need is in the single-purchase price. Anyway - they do...
by Lacrocious
Sun May 26, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Win 10 image backup software?
Replies: 50
Views: 4915

Re: Win 10 image backup software?

I also suggest Macrium Reflect for Windows image backups. It has worked well for my Windows machines over the years. I also fully support that you should create the boot media from the machine you are backing up and test it. Can you boot and reach the recovery media? That is important. If you don't ...
by Lacrocious
Fri Apr 19, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: French Door Refrigerator Recommendations?
Replies: 65
Views: 5606

Re: French Door Refrigerator Recommendations?

A vote here for KitchenAid - French door models with the ice maker in the freezer. It works great. There is no big gapping hole in the door and no mini-freezer taking up fridge space. Ours has a Water Dispenser inside the fridge. Minor point you have to have the one fridge door open while getting wa...
by Lacrocious
Sun Jan 13, 2019 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4157
Views: 806197

Re: What's Your Credit Card Rewards Strategy?

We did England/France in 2017 with Barclay Arrival - Chip & Signature + Chip & Pin secondary. It worked as stated. Restaurants printed a receipt to sign (Chip & Signature), while kiosks for bus/tube/tickets were Pin. The only gas station we used required all pumps to come inside before pumping - so ...
by Lacrocious
Sun Jan 13, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Quicken External Transfers
Replies: 20
Views: 776

Re: Quicken External Transfers

You are hitting on the various options I can think of. I like the create an Expense category. It isn't an expense to you overall, it's an investment. It is an expense from the spending/savings accounts you track in Quicken. The money leaves your spending/savings accounts and goes elsewhere. Money fo...
by Lacrocious
Sun Dec 23, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: Apple Watch...Fall detection feature really works...almost too well..
Replies: 12
Views: 2338

Re: Apple Watch...Fall detection feature really works...almost too well..

Also know that it may or may not be turned on automatically. If you enter your age during setup of the Apple Watch and you are 65 or older, then it is turned on by default. If you are younger than 65, it is turned off by default. You can choose to change it to On/Off any time.
- L
by Lacrocious
Sun Dec 16, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4946

Re: Planning first international trip - London/Paris

We did a sunrise bus tour of Stonehenge. We didn't get there directly for sunrise, but the bus had a specific time to get there. This was before it opened to the public. When we went out to the stones, our bus was the only ones out there. It also included walking off the path and between the stones....
by Lacrocious
Fri Nov 30, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: How to cancel TV and not Internet w/ Spectrum Time Warner
Replies: 25
Views: 16962

Re: How to cancel TV and not Internet w/ Spectrum Time Warner

I used the Chat Feature. Yes - there is some delay in getting connected - sometimes. Just wait and do something while your computer waits for the agent. Then tell the agent you want to drop your cable, keeping your internet. If they respond with some type of "are you sure?" or other inducement - jus...
by Lacrocious
Tue Nov 27, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax letter triggered by Turbotax's 8606
Replies: 59
Views: 13231

Re: IRS tax letter triggered by Turbotax's 8606

I had the same thing this year for 2016. Turbotax filled in the 8606's using their viewpoint of the instructions, including an "*" on line 18 that the value came from the taxable IRA Distribution worksheet. I talked with the IRS and explained what I did. The comment from the IRS was that 8606's were...
by Lacrocious
Fri Nov 23, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Good audio book for a family?
Replies: 33
Views: 2162

Re: Good audio book for a family?

The Zombie Fallout series by Mark Tufu was a fun adventure.
https://www.amazon.com/Zombie-Fallout-M ... B003A022YO

- L
by Lacrocious
Wed Nov 21, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 45
Views: 8529

Re: LastPass vs BitWarden

I remember some years ago, so many websites were forcing security questions and it was considered important. Recently, I've come across some sites removing security question with the recommendation to not use this feature. Yes, I have seen less security questions, except at financial sites. One big...
by Lacrocious
Sun Nov 18, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 45
Views: 8529

Re: LastPass vs BitWarden

Thanks Your welcome. I would also say that I am also looking at other products at this time. LastPass works great. We use it for 100's passwords, credit cards, and secure notes. We also store security questions & answers (as I can't remember that one site my favorite color is BlueBubbleGum while it...
by Lacrocious
Sun Nov 18, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 45
Views: 8529

Re: LastPass vs BitWarden

..."Bitwarden uses end-to-end encryption (e2ee) ... there is no way to recover your data if you lose your master passphrase. This is in contrast to services such as LastPass, which do not use e2ee, and can therefore recover your account if you lose your password. But they can also hand over your da...
by Lacrocious
Wed Oct 31, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4946

Re: Planning first international trip - London/Paris

About cars.... If you are staying in London - don't get a car. If you are a good driver, adventurous, and want to get out of London - rent a car. We rented from Kings Cross station. It is right on the edge of the Congestion Zone ($12+/day to drive in it) - so we didn't have to pay. It was bumper to ...
by Lacrocious
Wed Oct 31, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4946

Re: Planning first international trip - London/Paris

One comment about the tube. Consult your map before going underground. While the natural instinct is to hop on the tube, you may be as well off just walking since climbing levels below ground and transferring can take a long time on some routes. I agree here - Sometimes walking is faster and there ...
by Lacrocious
Tue Oct 30, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4946

Re: Planning first international trip - London/Paris

Agree with the comments to stay within walking distance of a tube station. @fortfun mentioned the big name places - but add Churchill War Room Museum; Globe Theater; to the list. Use the app "City Mapper" on either IOS or Android to get around. It will give you multiple options to get from A to B - ...
by Lacrocious
Sat Aug 11, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2817

Re: Best Counter Depth Side by Side refrigerator

We would recommend sticking with KitchenAid. We bought a KFCS22EVBL1 a few years back. 22cu feet in counter-depth! The trick is it is 3-4 inches taller than normal and standard 35.5in width. We ended up pushing up the over-fridge cabinets by the amount needed. That was helpful as most were 19-20cu f...
by Lacrocious
Sat Jul 21, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Update Libby library app (My library is switching to Cloud Library from Overdrive: no more kindle!)
Replies: 10
Views: 3314

Re: Update Libby library app (My library is switching to Cloud Library from Overdrive: no more kindle!)

FYI - if you need to convert between EPUB and Kindle formats or a number of other formats, take a look at Calibre. It does mean using a PC for the conversions, so not quite as convenient - but I use it for book tracking as well.
- L
by Lacrocious
Thu Jul 12, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: kayaking!
Replies: 17
Views: 1770

Re: kayaking!

Some of the more "Outdoor Store" orientated places have "Try It" days where they take kayaks to local lakes/ponds to let you try them out. Others are near water and you can try them any time. Another place near us (WI - no where near you) credits rentals towards a purchase up to a set amount - so yo...
by Lacrocious
Fri Jun 08, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 34
Views: 7573

Re: PenFed rate reset?

Yes - via email. The subject is "You're Eligible For A Mortgage Rate Reset". It was about 6 months before the rate reset for us.
- L
by Lacrocious
Sat May 05, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 34
Views: 7573

Re: PenFed rate reset?

queenswake wrote:
Sat May 05, 2018 10:29 am
... Your original date of when your loan would always reset when you first got the loan is now gone?
That is how it worked for us. New 5 year period from acceptance date.
-L
by Lacrocious
Sat May 05, 2018 8:56 am
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 34
Views: 7573

Re: PenFed rate reset?

@queenswake - I had the exact same wording and it does take effect immediately. Thus, you are giving up some months at a lower rate by performing the rate reset in order lock in 5 years of a much lower rate than you can get by waiting until your rate does reset at the end of the current 5 year term....
by Lacrocious
Sat Apr 21, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 34
Views: 7573

Re: PenFed rate reset?

...rate reset terms are considerably worse than OP: $500 for a reset to .0625% (1/16th percent) reduction to today’s 5/5 ARM rate. ... I have a few questions: - For how long, typically, are these offers available? I know they could disappear at any time, but in your experience were they available f...
by Lacrocious
Wed Mar 28, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 5270

Re: London Hotels

Thank you! Now we just need to make sure our Verizon phones will work in London :) We are with Verizon and did the pay by the day plan - $10 per day per phone to use our normal plan minutes & data. That is way too much $$, but worth it for the ease of use. Some days we kept them in airplane mode, s...
by Lacrocious
Sat Mar 24, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 5270

Re: London Hotels

Hey Fortfun - We were in London this past Fall. Had a wonderful time. When you try to get around the city - make sure you have the CityMapper app on your phone. It worked great for us. Give it a destination and it will tell you multiple ways to get there - via underground, overground, bus, cab, Lyft...
by Lacrocious
Mon Feb 12, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Our 'cure' for emergency expenses
Replies: 112
Views: 15362

Re: Our 'cure' for emergency expenses

I agree with Jeep512 - different strokes for different folks. We do something similar with our "Periodic Expenses", not emergencies. Many years ago after reading "Uncommon Cents" - the suggestion was to have a chart of periodic expenses and the months they hit. We found that most of our periodic exp...
by Lacrocious
Tue Feb 06, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11908

Re: What backup service to use?

I've looked at: 1. IDrive: After 3 days trying to upload ~200 Gbyte and seeing no progress, I gave up. ... 3. Arq I just started it this morning. Setup is slightly more clunky that Acronis or Crashplan but is seems to be putting files on my local drive faster than Acronis and requires much less ove...
by Lacrocious
Wed Jan 31, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 3315

Re: Wireless Earbuds For Running (Updates for 2018?)

Back in '16, the Plantronics Backbeats was frequently mentioned... Back in 2016 I liked my Backbeat Fit's and now in 2018 - I still like them. My wife picked up a pair for her and I picked up a second pair when I saw them on a super sale earlier last year at Costco. They are comfortable, reasonable...
by Lacrocious
Tue Jan 16, 2018 1:06 am
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 1467

Re: Best rock solid router with vpn server and guest network

Another Asus fan here - RT-AC68W (W = White). Used with Merlin firmware. Merlin focuses on improving the open source Asus firmware, not necessarily adding every bell and whistle like some 3rd party firmware. I love the work on QOS that FreshJR did to provide a script to tweak the QOS Settings so it ...
by Lacrocious
Sat Jan 13, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to enter transactions into finance software
Replies: 8
Views: 755

Re: How to enter transactions into finance software

Quicken and old MS Money user here - I don't know Moneyspire either. One common theme over the years about entering mutual fund purchases by hand into Quicken or MS Money is that the program needs the math to work out. For example, one of our accounts used to provide the price to only cents (ie: $21...
by Lacrocious
Sat Jan 13, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 2203

Re: Storing Important Documents Online

Do you use a Password Manager (LastPass, Dashlane, 1Password, etc.)? Most allow you to store other documents. I am use LastPass and you can store memos to yourself and include an attachment. It would be stored encrypted like all your passwords are encrypted. I can access the memos and passwords from...
by Lacrocious
Sun Jan 07, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 86972

Re: Quicken's future direction - a cause for concern

I took 87 different expense categories (and sub-cats) and merged/redefined them into 11. Yes, eleven! Very broad groupings--Medical is just that. Before I had 7 sub-cats under it. Before I had Meals, Travel, Movies, yada yada, now one called Lifestyle. And all the various stuff we buy is simply "St...
by Lacrocious
Sun Dec 17, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why You Took an Adjustable Rate Mortgage?
Replies: 43
Views: 4541

Re: Why You Took an Adjustable Rate Mortgage?

Also a PenFed 5/5 30 year arm at 2.5%. I agree, with Halfvolley, the break-even of the PenFed ARM at the worst case scenario of 2% increases each 5 year period, up to the max of 5% increase was close to 14 years over the then current 30 year fixed. We are 4.3 years into the ARM. While our initially ...
by Lacrocious
Thu Nov 16, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Keep old cards active by paying yourself?
Replies: 20
Views: 2816

Re: Keep old cards active by paying yourself?

How about a $1 Amazon Gift Card? +1 on Amazon Gift Cards. Buy a minimal amount electronic gift card emailed to yourself. Take the code from your email and apply it to your Amazon account. During your next Amazon purchase, use the gift card balance first. I have done this a few times now to keep car...
by Lacrocious
Mon Oct 23, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 86
Views: 9805

Re: Password Protection

LastPass has gone the opposite direction. Their Free version used to not do the synchronization between devices. It was didn't have many limits except the synchronization - which means you could try it out for free, but if you want passwords on your phone and tablet and laptops - you had to pop for ...
by Lacrocious
Thu Oct 12, 2017 11:36 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 5241

Re: Verizon TravelPass

It's expensive, but it just worked. We were in London and Paris the end of September. We were going to get SIMS, but ended up not dealing with it as we wanted to get our text's from home for things like CC fraud alerts in case there were issues while traveling. Next time we travel internationally, w...
by Lacrocious
Thu Oct 12, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 2697

Re: Visiting Paris - should we buy tickets in advance?

We were in London and Paris the last half of Sept. No issues getting Euros from ATMs - opened a Capital One Checking for the debit card with no foreign transaction fees. No issues. Used our Barclays Arrival Plus MC for most every other purchase. Again, no fees and Pin for the Metro station. It is a ...
by Lacrocious
Tue Sep 12, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 1378

Re: Need Cloud Back-Up Service For Mac

I purchased a subscription to IDrive now that I will be losing CrashPlan. It looked like a perfect single-source solution that could handle a family of computers relatively inexpensively. I had issues immediately and was never able to backup a single byte of data. I submitted tickets to their suppor...
by Lacrocious
Tue Aug 22, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 7189

Re: Eclipse Traffic: predictions vs reality?

We went from Charleston, IL (By Eastern Illinois University) to Carbondale (Southern Illinois Univiersity) - took about 2:45 in stead of planned 2:30 - we left around 6:30AM to get there around 9AM. Traffic was fine. We had a few quick stops on the freeway, but nothing bad. Leaving, we were heading ...
by Lacrocious
Thu May 18, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Suggested Reading or Advice for Father-to-be
Replies: 28
Views: 3177

Re: Suggested Reading or Advice for Father-to-be

It's been 19+ years for us, but the "What to Expect..." books were always helpful. No clue if they have been updated or anything.
- L
by Lacrocious
Wed May 10, 2017 8:34 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 9787

Re: Time savers - life on automation

We did a similar garage light thing, with a slight twist. We purchased a light timer from Home Depot that replaces a switch. The front outside garage and porch lights were on this circuit with switches in the garage and inside the front door. The timer handles the dual-pole switching. You can set mu...
by Lacrocious
Wed May 10, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 34
Views: 7573

Re: PenFed rate reset?

@psychoslowmatic Thank you for the link. I will keep an eye out at PenFed online. I am a month or two away from the 9 month window. I don't like the idea of my 2.5% increasing - but if I can lock in a lower rate - that may be worth it. I will have to look over costs vs. how much longer we will stay ...
by Lacrocious
Tue May 09, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: OnTrajectory [Financial planning tool]
Replies: 2
Views: 954

Re: OnTrajectory [Financial planning tool]

I tried it a few months ago and it felt "new", which it was. They seem to be updating it like gangbusters. I even paid the $3 for a month to see what it looked like. There were some initial shortcomings in account entries and some funkiness in data entry - but the ones I saw were cleaned up pretty q...
by Lacrocious
Tue May 09, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed rate reset?
Replies: 34
Views: 7573

Re: PenFed rate reset?

...I logged onto my account last night and for $250 I can fill out some online form to reset my rate immediately to 2.9%.... Hi Hoosierdom, I am in a similar boat - my rate 5/5 ARM will change in summer 2018. Where do you see the info on the $250 rate reset and the 2.9% rate? All the current rates ...
by Lacrocious
Tue Apr 18, 2017 12:04 am
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 27
Views: 48982

Re: New phone..any advantages to buying at Costco?

Once you stop making payments, either early or on time, they increase your rate plan. There is definitely an incentive to keep buying new phones. Not a very well publicized feature of the plan kjvm I never had that happen, and actually had the reverse occur. When we were previously on contract for ...
by Lacrocious
Mon Apr 17, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 27
Views: 48982

Re: New phone..any advantages to buying at Costco?

No - Costco doesn't "only sell contract phones". The last phones we purchased - iPhone 6s - back in fall 2015 and a Galaxy S7 in Summer 2016 were all under the current purchase options where you either purchase outright or on a 24month, 0 interest payment schedule. Obviously, a contract is required...
by Lacrocious
Sun Apr 16, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 27
Views: 48982

Re: New phone..any advantages to buying at Costco?

No - Costco doesn't "only sell contract phones". The last phones we purchased - iPhone 6s - back in fall 2015 and a Galaxy S7 in Summer 2016 were all under the current purchase options where you either purchase outright or on a 24month, 0 interest payment schedule. Obviously, a contract is required ...