Search found 312 matches

by Lacrocious
Sat Aug 11, 2018 11:30 pm
Forum: Personal Consumer Issues
Topic: Best Counter Depth Side by Side refrigerator
Replies: 24
Views: 2366

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: 2539

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: 1625

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: 6769

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: 6769

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: 6769

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: 6769

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: 4687

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: 4687

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: 96
Views: 12131

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: 74
Views: 8097

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: 2768

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: 1273

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: 679

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: 1779

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: 77738

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: 4139

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: 2668

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: 83
Views: 8096

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: 4528

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: 2452

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: 1302

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: 6487

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: 2991

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: 9380

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: 6769

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: 814

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: 6769

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: 40297

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: 40297

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: 40297

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
Sat Apr 15, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 6563

Re: What do you do with your coins?

I estimate that it would take me 72 years to generate $430 of excess change. I don't know how this is possible in the 21st century... I know :D - larger than our ~$30 / year that we normally do. Back with the state quarters first came out, the kids were collecting them. We ended up saving every qua...
by Lacrocious
Fri Apr 14, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 6563

Re: What do you do with your coins?

Just took $430 in coin to my bank. Walked out with a deposit to my checking account. I don't know, but I guess I think that Money is a function of banks - so they should take my money and deposit it. It took about 2 minutes to count the coins, and that was only because they had to change a bag it du...
by Lacrocious
Sat Mar 18, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 16637

Re: What to do with all these passwords ?

Thank you for your very informative information. I have an iphone 6. I guess I mostly use specific apps to access accounts and not Safari or Chrome due to the ease of use with my phone so I still have to copy and paste. It isn't really difficult because when I open up the Lastpass app and then go i...
by Lacrocious
Thu Mar 16, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 16637

Re: What to do with all these passwords ?

I installed Last Pass yesterday but have a few questions for those in the know.... 3. I've found that Last Pass on my smart phone only pulls up the websites through the Last Pass app. If I need or want to use the smart phone app for a particular site, I have to copy the password from the Last Pass ...
by Lacrocious
Tue Feb 21, 2017 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 3103

Re: Differences between TurboTax and H&R Block

I switched from TurboTax to HRBlock precisely because TT was being "too helpful" (in an incorrect manner) with respect to education tax benefits. TT had some sort of education benefit "optimizer" that was supposed to compute the optimal mix of education benefits. I had two part-time students in my ...
by Lacrocious
Tue Feb 21, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 3103

Re: Differences between TurboTax and H&R Block

Ive had no problems using HRBlock for education credits, but I think everyone should read the publications because they are often better than the TurboTax interview questions. I agree, you should understand what you are filling into the interviews and reference the IRS publications as needed. Since...
by Lacrocious
Tue Feb 21, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 3103

Re: Differences between TurboTax and H&R Block

What version and year of H&R Block did you run into this? I wonder if other people have encountered this with different versions of the application (perhaps it's been fixed or improved)? The latest version of deluxe for tax year 2016. The chat offered no other way to accomplish the entry. Searching...
by Lacrocious
Tue Feb 21, 2017 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Differences between TurboTax and H&R Block
Replies: 22
Views: 3103

Re: Differences between TurboTax and H&R Block

Another difference is in handling college spending. If you make too much to take the various education credits/discounts - H&R Block doesn't let you enter in educational spending - even if it would apply to 529 withdrawls. H&R Block's interview question for 529 withdrawals a single question that poi...
by Lacrocious
Mon Jan 30, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: How to enter a Roth conversion into Quicken?
Replies: 11
Views: 3093

Re: How to enter a Roth conversion into Quicken?

For your back filling of transactions - keep in mind that if you do buy shares with a "Bought" or "BoughtX" transaction, the money needs to come from either the current account balance or another account. Do you have Quicken history going back that far? Do you have a savings/checking account that yo...
by Lacrocious
Sun Jan 29, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: How to enter a Roth conversion into Quicken?
Replies: 11
Views: 3093

Re: How to enter a Roth conversion into Quicken?

That makes sense. The Contrib you see is the other end of the SoldX transaction (combination of Sold + Transfer) Quicken doesn't know about the logic of your other Vanguard accounts - so doesn't know you transferred from one to the other. You need to provide that info. You can either do a Sold + Tra...
by Lacrocious
Thu Jan 26, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to enter a Roth conversion into Quicken?
Replies: 11
Views: 3093

Re: How to enter a Roth conversion into Quicken?

Yes - this is the right way. I just did a contribution to my TIRA from a Taxable account as the first step in a back-door Roth. Here is how the downloaded transactions came through from Vanguard and what I changed to make the money flow from account to account: The downloaded transaction in the Taxa...
by Lacrocious
Sun Jan 15, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 8384

Re: To those with a pension...

Not retired yet - <5 years to go. A) - No - Pensions and SS are a income stream that will reduce the amount I need to pull from savings. We have a hard time saying these are "Guaranteed Streams of Income". Companies can change/reduce/cut pensions and Governments can change SS payments. While unlikel...
by Lacrocious
Wed Jan 11, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3626

Re: Trip to Kona, Hawaii - Suggestions

dumbbunny wrote: ... And the Da Poke Shack on Ali'i Drive ...
YES! Da Poke Shack was great if you like Poke! Would also highly recommend "Umekes Fishmarket Bar and Grill" - in that same area - near Ali'i Drive and Hualalai Rd.

- L
by Lacrocious
Wed Jan 11, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3626

Re: Trip to Kona, Hawaii - Suggestions

We were on the Big Island at the end of October 2016. We spent the last 4 days in Volcano. We didn't hike out to the ocean entry - ~8 miles round trip was more than we wanted to do. We were able to see eruptions in Volcano National Park - Kīlauea Volcano from the Jaggar Museum. We didn't get picture...
by Lacrocious
Wed Jan 04, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken
Replies: 33
Views: 3261

Re: Quicken

Normally the next evening. Not sure why it takes a day.
- L
by Lacrocious
Mon Dec 26, 2016 11:38 pm
Forum: Personal Consumer Issues
Topic: Best Ear Buds for Running
Replies: 44
Views: 5657

Re: Best Ear Buds for Running

Another suggestion for Plantronics BackBeat Fit - they are great. Comfortable, decent sound (not great - as they don't block surrounding sounds like ear buds), they stay in and have great, 8hr battery life, simple controls for music, calls are good as well - no complaints by anybody when I use them....
by Lacrocious
Tue Dec 06, 2016 12:15 am
Forum: Personal Consumer Issues
Topic: Any particular oven toaster you prefer????
Replies: 23
Views: 2957

Re: Any particular oven toaster you preffer????

Those of you that have suggested specific toaster ovens (Brevel, Cuisinart, etc.) Can you tell me if they Ding real loud when you stop toasting or open the oven door? That is a pet peeve - when I shop for one. Our current toaster oven - ~20 years old - has a muted ding. Those I try in the store seem...
by Lacrocious
Thu Jul 21, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker prohibiting me from refinancing
Replies: 18
Views: 3451

Re: Mortgage broker prohibiting me from refinancing

This is pretty common, PenFed has a similar rule which I think is for 2 years instead of 6 months. Yes - PenFed does this - but their paperwork is very clear about the claw-back of closing costs; the time frame and the monthly amount the claw-back goes down by, until it gets to 0 at 2 years. It is ...
by Lacrocious
Thu Apr 14, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 15
Views: 3203

Re: Help please - Vanguard money market causes Quicken to be incorrect

I have been using Quicken for years w/Vanguard and no issues, currently Q2015. Do you all have brokerage accounts that you have Money Market accounts? I just have mutual funds. Currently, I have 1 Quicken account for each Vanguard account (ie: general savings, Roth, etc.). Each Vanguard account has ...