Search found 352 matches

by tortoise84
Sat Mar 25, 2023 5:29 pm
Forum: Personal Investments
Topic: Vanguard cost basis problems
Replies: 7
Views: 710

Re: Vanguard cost basis problems

It happened to me when I sold 2 different purchase lots of a stock. The cost basis method was set to SpecID, and I did select the shares I wanted to sell when I entered the order. But the next day when I got the trade confirmation, I saw that it had changed to FIFO to shares with a much lower cost basis. Luckily I caught it, and with stock sales you are able to call and change the cost basis before the T+2 settlement date so that's what I did. But if I didn't catch it until tax time next year, I'd probably be SOL. There is a warning at the bottom of the trade entry screen that says: Are you trading this security twice in one day? If you execute multiple trades involving the same security in the same trading day, and you attempt to execute a...
by tortoise84
Fri Mar 24, 2023 8:30 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 1216
Views: 108462

Re: PC Build Thread - 2020... and beyond!!!

btw, I have a Lian Li O11 Air Mini case with an EK AIO 240 D-RGB in the side, and an EVGA 3080 Ti Hybrid that has a 240 mm AIO as well mounted in the top. Very cool and quiet. I put all my old SSDs in it, currently 3 x 2.5" SATA and 1 x M.2 NVMe, and combine them with Windows Storage Spaces into one large drive for photos and videos, and it's fast enough for my needs. I bought myself a Lian Li O11 Air Mini case for Christmas so had some fun transferring my PC into it. It's good that it has a spot for a side mounted 240 mm radiator, so I moved the CPU AIO there, and the temps of my 7600X dropped a few more degrees from 75C to 71C. There's also room for bottom mounted fans to blow at the GPU, and the front fans are no longer restricted b...
by tortoise84
Fri Mar 24, 2023 8:17 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 1216
Views: 108462

Re: PC Build Thread - 2020... and beyond!!!

tuningfork wrote: Fri Mar 24, 2023 5:59 pm Yes, my plan would be AIO on the bottom, although front is also a possibility. I've seen this pump issue mentioned, and there exist AIOs with the pump in the radiator instead of the CPU block for this kind of placement. One I've found is MSI Corelliquid 240r but it is no longer sold. More research required on my part to see what AIOs with pump in the radiator are actually available.
Actually the MSI AIO was recalled due to gunk building up in the CPU block: https://www.youtube.com/watch?v=S4-XA2cnca4
I actually think it may have something to do with the pump not being right on top of the CPU block, so the pressure and turbulent flow from the pump is not there to keep the block clear.
by tortoise84
Fri Mar 24, 2023 8:06 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 1216
Views: 108462

Re: PC Build Thread - 2020... and beyond!!!

If you need extra M.2 slots, you still have an extra expansion slot to add an M.2 enclosure . One thing I would do is check the motherboard manual for how many PCIE lanes you have going to the expansion slot, and whether it gets deactivated if you use all of your SATA ports (or vice versa). It might be worth spending extra on an X670 board if it means your extra drives don't get bottlenecked by sharing PCIE lanes. That M.2 card requires PCIe x4x4x4x4 bifurcation in the BIOS. On a mainstream motherboard, this also means using the top PCIe x16 slot normally used by the GPU. There are other cards with a built in PCIe switch so you don't need bifurcation such as the QNAP QM2-2P-344A but this one is only Gen 3 and shares the x4 lanes between 2 ...
by tortoise84
Fri Mar 24, 2023 12:33 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread - 2020... and beyond!!!
Replies: 1216
Views: 108462

Re: PC Build Thread - 2020... and beyond!!!

The Fractal Design Torrent line has the PSU at the top, so when you said a mATX mobo would give you more flexible cooling configurations, I'm assuming you're thinking about mounting an AIO in the bottom. However, this is not a good idea because air bubbles that naturally form in the AIO will rise to the top where the pump is, and this can damage it or cause premature failure. Anyway, I have a mATX ASRock B650M PG Riptide, and am perfectly happy with it. Some things to consider: - Most modern GPUs take up 3 or more slots, so any PCIe slots underneath will be unusable, or you'll need to use a riser cable. Some mATX boards like the Gigabyte B650M Aorus Elite AX and my ASRock B650M PG Riptide have the GPU in the very top PCIe slot (inline with ...
by tortoise84
Mon Mar 20, 2023 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Doing taxes each year is really hard, is it for you?
Replies: 127
Views: 9026

Re: Doing taxes each year is really hard, is it for you?

When I started my career, I very quickly realized the time needed and complexity of filing tax returns, so I decided to make some spreadsheets to make it as efficient as I could. The spreadsheets have all my paychecks and automatically calculate the taxes withheld so I can do things like add overtime, and bonuses, adjust my 401k, and see what effect it has on my take home pay. At the bottom of the spreadsheet, I put in other things like investment income, adjustments, deductions and tax credits, and it will automatically calculate my taxes and if I am due a refund or owe taxes. So I can adjust my W4 during the year to make the refund a small amount, usually around $300. When it's time to file my tax return, I simply crosscheck my W-2, 1099s...
by tortoise84
Sat Mar 18, 2023 6:48 pm
Forum: Personal Consumer Issues
Topic: Windows 10 - File History
Replies: 12
Views: 1097

Re: Windows 10 - File History

ubermax wrote: Sat Mar 18, 2023 3:51 pm My question is where do those many backup versions reside ? - does Windows 10 push them to the cloud without me knowing for safe keeping ? Each backup stays at roughly that 40GB because I don't add many new files over time but there are many past dates in time with a 40GB backup .

Any insight that anyone can provide would be appreciated .
Read this article:

https://www.tenforums.com/tutorials/549 ... -10-a.html

File History gets cached in this folder: %UserProfile%\AppData\Local\Microsoft\Windows\FileHistory

It does this so that if you're using a removeable or network hard drive, it can continue making backups if you remove it.
by tortoise84
Tue Mar 14, 2023 9:42 pm
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

lthenderson wrote: Tue Mar 14, 2023 7:54 am I didn't see it mentioned anywhere above but are your ducts in the attic insulated? If not why aren't they? You shouldn't lose 20-30% efficiency through air sealed and insulated ducts running through an uninsulated attic.
The ducts are insulated to R-6 and actually I added some R-13 on top of that. This helped a bit in improving the return to supply temp differential from 10F to 13-15F, but that's still not ideal.

I got the 20% loss from this article:
https://www.greenbuildingadvisor.com/ar ... oned-attic

It does sound reasonable to me because I measured the temp in my attic peaking at 105F, and R-6 (standard code when my house was built) really isn't that much.
by tortoise84
Tue Mar 14, 2023 9:31 pm
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

In one of the homes that had a bonus room above the garage we used a unit that stood in the room and vented to the outside via a window. It cooled in the summer time and heated in the winter and worked wonderfully for many years. Actually I do have a portable AC with dual hoses, inverter compressor, and heat pump. It's a Midea Duo portable AC rebranded as a Toshiba. 14,000 BTU, but 12,000 BTU SACC (accounting for heat gain from the compressor, condenser and hoses). It's only 12.3 CEER, so not as efficient as the window inverter ACs, and I've seen the portable AC use up to 1,400 W on Hi, and around 300-700 W on Lo. I still use it occasionally, particularly in heat pump mode because it's much more efficient than a 1,500 W electric space heat...
by tortoise84
Tue Mar 14, 2023 9:14 pm
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

The 15 SEER window unit is nearly as efficient as your 16 SEER central air. If you were to correct the central air efficiency for the heat gained through the attic ducts, maybe its a wash or even advantage window units. Further, if you shut down the upstairs unit during the day, there should be less heat gain in that half of the house and so less load on the AC. Warm rooms away from the window ACs will also slow heat gain. I live in a two-story FL house, however I have two AC units, one upstairs (duct in attic) and one downstairs (ducting between floors and air handler in the garage). We let the upstairs warm up during the day and let a programmable thermostat get the upstairs to comfortable temp by bedtime. The programmable thermostats ma...
by tortoise84
Mon Mar 13, 2023 9:14 pm
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

I would think the attic would be more like 150F than 105F? It seems like the main issue with that is if the hvac cycles frequently, that would allow the ducts to warm up between cycles, so you'd repeatedly be blowing hot air into the house. Actually I put a remote thermometer up there so it does indeed only get up to 105F. But this is after I put up a radiant barrier, which reduced temps by around 10-15F. The ductwork running through the hot attic is definitely causing a loss of cooling performance, and I do feel a puff of hot air each time it starts up. But I'm sort of stuck with that because I also don't want the AC to run constantly just to avoid stale air getting heated up in the ducts, and even running the fan only constantly uses a f...
by tortoise84
Mon Mar 13, 2023 8:51 pm
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

blueberrypi wrote: Mon Mar 13, 2023 9:43 am I've seen companies that spray foam insulation on the underside of the roof which effectively brings the attic into your conditioned air space and reduces load on the hvac system. Could ask around to see if that makes sense in your climate.
I think that would be ideal, but my concern is the cost. My roof is around 1,600 sqft and a quick Google search says it could cost several thousand dollars. But I might look into it further...
by tortoise84
Mon Mar 13, 2023 8:43 pm
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

Insulation and more efficient ACs are the best first steps. You could consider a few more things: 1. Reduce leaks around doors and windows. Work with your utility to find contractors that can do whole house audits. 2. Buy ceiling fans and raise the set point temperature for the AC. 3. Get a FLIR or similar infrared camera to find where warm air is coming in or insulation is missing. 4. Replace any old lighting or appliances that aren’t very efficient. The inefficiency from these results in heat that your AC has to then remove from your house. While it doesn’t make your AC more efficient, you could also see if your utility has a time-of-use rate that would allow you to save money by shifting your AC usage to the cheaper times. Those are all...
by tortoise84
Mon Mar 13, 2023 9:40 am
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

kevinf wrote: Mon Mar 13, 2023 8:56 am I have two Midea U-shaped window units. They don't seal up as tight as you'd like to think. I left the unit in my kitchen window over the winter with a weather cover on the outside and there was a noticeable draft coming from it. This wasn't due to lackluster installation either, I purchased high quality weather-stripping and cut the foam block with a ceramic knife and calipers for a tight, exact fit. The brace that the unit sits on has open holes in the bottom center as well that need to be filled in if you're trying to stop air infiltration.

Something to be aware of.
Yes, I found that too. Mostly underneath the unit, so I added some strips of foam along the bottom, and inside the U under the window pane, and that helped a lot.
by tortoise84
Mon Mar 13, 2023 9:32 am
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

The sun is your adversary. From the Caribbean, every house has louvers on windows outside to keep the sun from penetrating. I haven't seen them in the US, but I'm sure they could be found. Ductwork in the attic, you're going the right way with insulation. But also, is the attic well vented? You want someplace for the heat to go and that's out the vents. You may even want a thermal controlled fan to increase heat extraction. Another easy, free solution is to build a "roof" over the AC unit. It is taking outside air to cool the unit but the sun can also heat the entire unit. Having something over the AC unit, perhaps a foot or more over the unit can help. Yes, I believe what you are referring to are fittingly called Bahama shutters...
by tortoise84
Mon Mar 13, 2023 9:10 am
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Re: Using window air conditioners to improve HVAC efficiency

What is your goal? To cool a few rooms at a lower cost than using the central air? Remediate poorly designed central air ducting that does not cool the rooms you need? Defer replacing a more expensive central air unit? Some people like to put a mini split unit into a bedroom. Yes, I would like to cool mainly the master bedroom and family room at a lower cost than using the central AC, since I am the sole occupant of this house. Also the central AC has always operated poorly to cool the upstairs since the ducts run through the hot attic, but unfortunately that is the standard construction method around here. I don't really have any plans to try to defer or upgrade the central AC. I have considered mini splits, but they are a fair bit more e...
by tortoise84
Mon Mar 13, 2023 8:09 am
Forum: Personal Consumer Issues
Topic: Using window air conditioners to improve HVAC efficiency
Replies: 26
Views: 2123

Using window air conditioners to improve HVAC efficiency

I have the same question as this old thread from 2012: https://www.bogleheads.org/forum/viewtopic.php?t=102727 But I wanted to update it for 2023 because of newer technology, like window ACs with inverter variable speed compressors such as the Midea U-Shaped AC: https://www.midea.com/us/air-conditioners/window-air-conditioners/12000-btu-u-shaped-air-conditioner-maw12v1qwt These are much quieter and more efficient (15 CEER) than non-inverter ACs. Also, the U-shape means the window can close down to 3" with the rest filled with thick foam, so the glass blocks a lot of the outside sound and heat. I have a 2,750 sqft two story house in South Florida with one 4 ton 16 SEER central AC upstairs. One reason I don't like the central AC is becau...
by tortoise84
Sat Mar 04, 2023 6:40 pm
Forum: Personal Consumer Issues
Topic: Comparison of Local Data Backup Options
Replies: 38
Views: 2240

Re: Comparison of Local Data Backup Options

ubermax wrote: Sat Mar 04, 2023 8:43 am I use Windows "File History" for my backup software along with the WD external - my biggest issue is that Microsoft doesn't provide instructions on moving the backed up files to a new computer - and so when the time comes to get a new laptop , I plan on doing a copy & paste using the stick - that works but I still can't understand why Microsoft doesn't provide good instructions for restoring files from the external/file history combo to a new computer .
I think this article provides good directions on how to move File History to a new computer. I don't personally use File History so I haven't tried it.
https://www.glasswire.com/blog/2022/08/ ... is-taylor/
by tortoise84
Sat Mar 04, 2023 10:56 am
Forum: Personal Consumer Issues
Topic: Comparison of Local Data Backup Options
Replies: 38
Views: 2240

Re: Comparison of Local Data Backup Options

I use a QNAP NAS with a 4TB Seagate IronWolf HDD, 4TB WD Purple Surveillance HDD and a 1TB NVMe SSD. No matter whether you use an external USB HDD or a NAS, don't ever use that drive as your only copy of your data even if you use RAID, because there are many other things that could go wrong besides hardware failure such as fire, flood or ransomware. So for me, I have at least 2TB of SSDs to have a working copy of my data on my desktop and laptop that is fast and silent, and I use the QNAP Qsync software to automatically keep everything synchronized through a third copy on the NAS. I also use OneDrive to backup and sync around 3GB of documents, but not my photos and videos because that would be too big. I actually don't backup my entire syst...
by tortoise84
Sat Feb 25, 2023 9:59 am
Forum: Personal Consumer Issues
Topic: Non-Polarized Sunglasses
Replies: 46
Views: 3180

Re: Non-Polarized Sunglasses

I wouldn't call it a design flaw. All LCDs use polarizing filters to block or pass light to form an image. A HUD also has to reflect this image off the angled windshield so when using a LCD to project the image, if it outputs horizontally polarized light it will reflect better. Well, the glare that reflects off the road surface is also horizontally polarized, so people use vertically polarized sunglasses to block this. Unfortunately these will also block the HUD. "Unfortunately these will also block the HUD." Not at all the same in every car/truck. All I said was that a HUD that outputs horizontally polarized light will be blocked by vertically polarized sunglasses. Of course it can be worked around by different manufacturers by ...
by tortoise84
Sat Feb 25, 2023 9:47 am
Forum: Personal Consumer Issues
Topic: Non-Polarized Sunglasses
Replies: 46
Views: 3180

Re: Non-Polarized Sunglasses

Leesbro63 wrote: Sat Feb 25, 2023 6:49 am For what it’s worth, I’m the original poster and am now satisfied with the “head tilt” solution. I still don’t honestly understand what I’d be giving up by wearing non-polarized sunglasses. But the “head tilt” is a good enough solution for me to avoid any possible risk of non-polarized sunglasses.
You'll be fine with non-polarized sunglasses. The windshield will reflect some of the horizontally polarized glare coming from the road surface simply because it is angled away from it. UV blocking is completely separate from polarization and I'm pretty sure Lexus and other high end brands use UV blocking glass in their windshields. It may also be thermal blocking and acoustic blocking.

Tilting your head may lead to neck and back pain.
by tortoise84
Sat Feb 25, 2023 6:43 am
Forum: Personal Consumer Issues
Topic: Non-Polarized Sunglasses
Replies: 46
Views: 3180

Re: Non-Polarized Sunglasses

andypanda wrote: Fri Feb 24, 2023 9:43 am I suppose wearing non-polarized sunglasses is an option for folks who never roll their windows down or open their sunroof. For me it would be a non-starter. Thanks for making me aware of the existence of vehicles with what I consider a design flaw.
I wouldn't call it a design flaw. All LCDs use polarizing filters to block or pass light to form an image. A HUD also has to reflect this image off the angled windshield so when using a LCD to project the image, if it outputs horizontally polarized light it will reflect better. Well, the glare that reflects off the road surface is also horizontally polarized, so people use vertically polarized sunglasses to block this. Unfortunately these will also block the HUD.
by tortoise84
Wed Feb 15, 2023 9:33 pm
Forum: Personal Consumer Issues
Topic: Luxury car vs regular toyota management costs
Replies: 62
Views: 5086

Re: Luxury car vs regular toyota management costs

If you go to the dealer for maintenance, all of the luxury brands are going to be very expensive. At least $100-150 for an oil change, plus hundreds more for any extra services that they try to add on. They might gives you things like a free loaner car, or coffee and snacks however. On the other hand, if you can DIY then you can save a lot of money. I have a 2012 Audi with 90k mi, a 2012 BMW with 50k, and used to have a Lexus. Parts prices are very reasonable, e.g. Around $45 for synthetic Euro formula oil and filter. I would say that the reliability of Audi and BMW is a bit worse than Toyota/Lexus. The luxury brands do however have longer warranties than mainstream brands; usually 4 yrs/50k miles. After the warranty, it once again depends ...
by tortoise84
Wed Feb 15, 2023 10:54 am
Forum: Personal Finance (Not Investing)
Topic: How is compensation defined for an HCE?
Replies: 7
Views: 1226

Re: How is compensation defined for an HCE?

Common items that are not included in W-2 box 1, but do form part of your compensation for determining if you are a HCE:
- pre-tax 401(k) contributions
- HSA contributions
- health insurance premiums
by tortoise84
Wed Feb 01, 2023 1:01 pm
Forum: Personal Consumer Issues
Topic: Could someone help me understand exactly how GoodRX works?
Replies: 143
Views: 11843

Re: Could someone help me understand exactly how GoodRX works?

With Medicare, it's an either/or proposition. GoodRX is used instead of running it through your Plan D (or Advantage). Of course those fills then do not count toward your Plan D phases, but that was unimportant in my case. As I said in a post above, I've heard that said in many places, but I believe it is wrong. As I understand it, GoodRx can be used and credited towards the Part D phases by submitting a form to the Part D plan. See this post . No, that only applies to a discounted cash price offered by the pharmacy themselves. If you're using a card such as GoodRx, that would be a third party arrangement, and cannot be claimed against the deductible of a Medicare Part D plan. Even if you believe this falls under a gray area, most likely t...
by tortoise84
Tue Jan 31, 2023 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Huge increase in Florida home insurance cost
Replies: 30
Views: 5064

Re: Huge increase in Florida home insurance cost

2022 $1,675
2023 $3,105 +85%
American Strategic Insurance, an affiliate of Progressive. At least I didn't get dropped.
by tortoise84
Tue Jan 31, 2023 7:29 am
Forum: Personal Finance (Not Investing)
Topic: How much to budget for home maintenance?
Replies: 25
Views: 1889

Re: How much to budget for home maintenance?

Mario is a plumber so you should have that department taken care of right? Okay seriously, learning to DIY can save you a ton of money. I wasn't particularly handy growing up, and neither was my father so he didn't teach me. But when I got my house I decided to learn to DIY on YouTube, etc, and put some money into buying tools, and the payback has been immense. Otherwise, all the little things can add up if you have to pay a tradesperson several hundred dollars each time, like leaking toilets and fixtures, water heater, garbage disposal unit, pressure washing, landscaping, home improvements, installation, etc.
by tortoise84
Mon Jan 30, 2023 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: How do you do direct deposit / budgeting?
Replies: 29
Views: 2007

Re: How do you do direct deposit / budgeting?

I have my paychecks direct deposited into my checking. But then I keep a spreadsheet of the balance with all credit cards and bills autopaid out of my checking on their due dates. So I can look ahead to my next paycheck, and determine how much I can transfer to or from my savings, while leaving a minimum of $500. e.g.:

1/19/23 Paycheck +$4,500, Balance $5,000
1/19/23 Savings -$3,410, Balance $1,590
So on 1/19/23, I look at all the bills due before my next paycheck on 2/2, and work out that I have $3,410 surplus that I can transfer to savings.
1/24/23 Visa -$500, Balance $1,090
1/27/23 Comcast -$30, Balance $1,060
1/28/23 MasterCard -$500, Balance $560
1/29/23 Electric -$60, Balance $500
2/02/23 Paycheck +$4,500, Balance $5,000
by tortoise84
Thu Jan 26, 2023 1:01 pm
Forum: Personal Consumer Issues
Topic: Zion National Park in Feb
Replies: 13
Views: 1509

Re: Zion National Park in Feb

I went to Zion and Bryce in both Summer 2017 and Winter 2018 (2/1/2018). In the Summer it was extremely hot. Now I'm from Florida so I can tolerate some heat, but still, it was too hot for me to hike Angel's Landing at Zion. So instead I did the Narrows in the water and that was fun. Bryce was a bit cooler so I was fine to hike. But I actually got hit by a hailstorm as I was driving deeper into the park: https://youtu.be/-17c9f654B8 The Winter trip was actually a day trip from Las Vegas. This time, Zion was more of a stopover. We just went to the Visitor Center and the Lodge then drove the Mt Carmel scenic road, then out of the East entrance on the way to Bryce. Got to Bryce in the afternoon and there was just enough time to hike from Sunse...
by tortoise84
Wed Jan 25, 2023 6:12 pm
Forum: Personal Consumer Issues
Topic: Proactively replace valves under sinks, toilets
Replies: 43
Views: 3913

Re: Proactively replace valves under sinks, toilets

Yeah, the originals in my house are Accor FlowTite 4ALL that have a push stop valve and permanently attached supply line. When I had to replace a toilet fill valve, I found that the rubber washer on the FlowTite supply line had degraded so I decided to just cut off the whole valve and replace it. I have 1/2" CPVC plumbing, so I used SharkBite quarter turn stop valves:

https://www.amazon.com/gp/product/B004XM5GE6/

They're also available as straight valves. The reason why I didn't use a CPVC valve welded to the pipe was because there wasn't much pipe sticking out of the wall, and the SharkBite can be easily replaced in the future if needed.
by tortoise84
Wed Jan 25, 2023 3:35 pm
Forum: Personal Consumer Issues
Topic: Could someone help me understand exactly how GoodRX works?
Replies: 143
Views: 11843

Re: Could someone help me understand exactly how GoodRX works?

I think the staff member went way off track with their explanation. It sounds like she immediately jumped to the conclusion that you wanted to compare prices between your Medicare Part D and GoodRx. For her to do this, the easiest way is to just process a prescription, so she asked for your doctor to fax it in. But I don't think she meant 'fax' literally. That's just one way to transmit a prescription, along with printed, phoned in and electronic prescriptions. Also, I don't think pharmacies have any other way to quote prices besides processing a prescription through your insurance. If you want to get a price beforehand, you can go to GoodRx.com and your Medicare Part D website. Notice how each pharmacy has a different price, because all th...
by tortoise84
Wed Jan 25, 2023 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Slight Problem With Consolidated Forms
Replies: 13
Views: 1043

Re: Slight Problem With Consolidated Forms

It should be on the consolidated form under the section entitled "Detail for Dividends and Distributions". There will be a separate line for Section 199A dividends for each fund that paid them.
by tortoise84
Tue Jan 24, 2023 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wash Sale disallowed
Replies: 10
Views: 975

Re: Wash Sale disallowed

White Coat Investor wrote: Tue Jan 24, 2023 1:25 pm Basically, you just don't report the loss you would have otherwise had. I don't think you actually put a wash sale anywhere on your return.
That is incorrect. You must report it on Form 8949 with code W in column (f), and the amount of the loss not allowed as an adjustment in column (g) as a positive number.
by tortoise84
Tue Jan 24, 2023 7:17 am
Forum: Personal Finance (Not Investing)
Topic: regarding the sale of primary residence in Florida
Replies: 8
Views: 598

Re: regarding the sale of primary residence in Florida

Also, there is a 20% long-term capital gains tax bracket over $553,850 for MFJ.
by tortoise84
Sat Jan 21, 2023 11:27 am
Forum: Personal Consumer Issues
Topic: Duct work
Replies: 17
Views: 1795

Re: Duct work

Spray foam. Wear gloves. Don't let it drip anywhere you don't want it.

https://www.homedepot.com/p/GREAT-STUFF ... /202893739
by tortoise84
Sat Jan 21, 2023 5:50 am
Forum: Personal Consumer Issues
Topic: Help me choose a new monitor for a new Mac
Replies: 24
Views: 1648

Re: Help me choose a new monitor for a new Mac

Also be aware that if you use a non-Apple monitor with a Mac, then you really need to install the color calibration profile for that monitor, especially since you said you will be doing photo editing and graphic design. A basic color profile should be included with the monitor drivers, or you can use a calibration device to create one (e.g. Calibrite, Datacolor). Otherwise, since all modern monitors have a wider than sRGB color gamut (e.g. DCI-P3), then without a color calibration profile, all colors will appear very oversaturated. Also I'm not sure if VMWare to a Windows PC will correctly handle color profiles. If you don't want to deal with this, it would be safer to get an Apple monitor since they should automatically be setup with the c...
by tortoise84
Fri Jan 20, 2023 1:33 pm
Forum: Personal Consumer Issues
Topic: Florida Tolls
Replies: 21
Views: 1974

Re: Florida Tolls

SunPass is supposed to work on all toll roads in Florida including E-Pass, but maybe there was a delay in getting the activation/registration transferred to the E-Pass system so they didn't charge your SunPass account. I guess you could argue your case further with a supervisor, or just move on.

While they recently started accepting E-ZPass on Florida toll roads, if you don't already have one established, I wouldn't get one now because you may just have the some problem of a delay in getting it activated in the E-Pass system, especially since E-ZPass is an out of state system.
by tortoise84
Tue Jan 17, 2023 8:17 pm
Forum: Personal Consumer Issues
Topic: Digital SLR lens of choice for 10+ mile hike/landscape photography
Replies: 47
Views: 2727

Re: Digital SLR lens of choice for 10+ mile hike/landscape photography

I pretty much only use a 16-70mm F/4 on my Sony NEX-5 (APS-C 1.5x crop) when traveling because I want something light and don't want to change lenses. But since you don't have this range, perhaps you could consider your 35mm and just cropping if you want to zoom, AND ALSO using your phone camera to cover wide angles.
by tortoise84
Tue Jan 17, 2023 2:47 pm
Forum: Personal Consumer Issues
Topic: Rigid foam board instead of batts and blown-in attic insulation?
Replies: 27
Views: 1863

Re: Rigid foam board instead of batts and blown-in attic insulation?

I put 2x6 on top of my 2x4 joists which gave me 9", then filled it up with cellulose for R-30.

Image
by tortoise84
Fri Jan 13, 2023 8:21 pm
Forum: Personal Consumer Issues
Topic: New PC vs running windows on MacBook Pro
Replies: 50
Views: 2341

Re: New PC vs running windows on MacBook Pro

EnjoyIt wrote: Fri Jan 13, 2023 7:51 pm Good thinking, but the NAS is in the basement hardwired to a switch in a nice cool closet. Its not worth the trouble of moving it, using it and then moving it back. If I remember correctly the NAS, a synology, has HDMI out
No you don't have to be sitting in front of your NAS. Instead you can use Remote Desktop on your MacBook:
https://apps.apple.com/us/app/microsoft ... 3466?mt=12

How to install a Windows 10 Virtual Machine on a Synology NAS:
https://nascompares.com/2020/03/20/syno ... l-machine/

https://www.instructables.com/Windows-1 ... ology-NAS/
by tortoise84
Fri Jan 13, 2023 7:43 pm
Forum: Personal Consumer Issues
Topic: New PC vs running windows on MacBook Pro
Replies: 50
Views: 2341

Re: New PC vs running windows on MacBook Pro

EnjoyIt wrote: Fri Jan 13, 2023 11:56 am I eventually switched over to a 4 bay NAS.
Does your NAS have an Intel or AMD CPU that can host Windows virtual machines?
by tortoise84
Fri Jan 13, 2023 6:28 pm
Forum: Personal Consumer Issues
Topic: Sub-$500 Home Improvement Projects That Increased Quality of Life
Replies: 135
Views: 20467

Re: Sub-$500 Home Improvement Projects That Increased Quality of Life

Spent $400 to DIY screen-in my 40'x10' back porch. Now I do lots of grilling without getting swarmed by mosquitoes, flies and bugs. Lighting: Put Ikea Tradfri motion sensing lights in my staircase and hallway. Don't know how much it cost since it came with my house, but it has Cat 5e Ethernet in the walls, so I use it for up to 10 Gbps Ethernet on all my computers and PoE security cameras. UPS battery backup on my modem, router, PoE switch and everything. Internet almost always at full speed and rarely have any connection issues, perhaps once a year and it's usually Comcast's fault. Very important since I work from home on a remote desktop that needs internet to function. HVAC: topped up the cellulose insulation in my attic, insulated the d...
by tortoise84
Fri Jan 13, 2023 3:10 pm
Forum: Personal Consumer Issues
Topic: Dell Inspiron 3910
Replies: 1
Views: 233

Re: Dell Inspiron 3910

Yes, you need DisplayPort.

This is what the tech specs say for the Dell Inspiron 3910:
1 HDMI 1.4b port
HDMI 1.4 (Maximum resolution supported over HDMI is 1920x1200 @60Hz. No 4K/2K output)
1 DisplayPort 1.4 port

VGA is analog, so the max resolution varies with the type and quality of the DAC chip used. It can also get blurry or you can get smearing, especially at high resolutions, or the colors may not be exact.
by tortoise84
Thu Jan 12, 2023 11:50 am
Forum: Personal Consumer Issues
Topic: LED fixture flickering
Replies: 36
Views: 2480

Re: LED fixture flickering

anoop wrote: Thu Jan 12, 2023 7:35 am What about the ones marketed as flicker-free?
I believe they just increase the flicker frequency to the hundreds or thousands of Hertz so that it is not perceptible to the naked eye.
by tortoise84
Thu Jan 12, 2023 11:01 am
Forum: Personal Consumer Issues
Topic: Toll Transponder
Replies: 18
Views: 2161

Re: Toll Transponder

E-PASS Uni $14.95 available from Amazon with Prime shipping:
https://www.amazon.com/Prepaid-Portable ... B08C3T3KYR
(Sold by E-PASS, the official company, not some random reseller)

The Uni is compatible with E-ZPass in 19 states. There are actually several transponder issuers in Florida. SunPass is another one. They are all compatible in Florida, but Uni and SunPass Pro are compatible with E-ZPass in other states.
by tortoise84
Thu Jan 12, 2023 6:23 am
Forum: Personal Consumer Issues
Topic: LED fixture flickering
Replies: 36
Views: 2480

Re: LED fixture flickering

They seem to have a lot of flicker which can be seen easily by taking a slow motion video. All LEDs flicker on video because they are not synchronized to the shutter speed. The flicker is of a high enough frequency that it is usually not noticeable to the naked eye unless the bulb's circuitry has gone bad. Even if it’s not noticeable to the eye wouldn’t it cause eye strain or headaches to those that are sensitive to it? For example those sensitive to PWM in phone OLED displays. In other words, just because the eye can’t see it, doesn’t mean the brain can’t perceive it. https://www.waveformlighting.com/flicker-free-led-lighting Yes, some people can be more sensitive, and some LEDs and dimmer circuits can flicker more than others. I was just...
by tortoise84
Mon Jan 09, 2023 6:50 pm
Forum: Personal Consumer Issues
Topic: LED fixture flickering
Replies: 36
Views: 2480

Re: LED fixture flickering

Tracker968 wrote: Mon Jan 09, 2023 4:33 pm They seem to have a lot of flicker which can be seen easily by taking a slow motion video.
All LEDs flicker on video because they are not synchronized to the shutter speed. The flicker is of a high enough frequency that it is usually not noticeable to the naked eye unless the bulb's circuitry has gone bad.
by tortoise84
Sat Jan 07, 2023 11:22 am
Forum: Personal Consumer Issues
Topic: Xfinity autopay and paperless billing discount: routing number for credit card
Replies: 23
Views: 2867

Re: Xfinity autopay and paperless billing discount: routing number for credit card

I have the $10/month Autopay & Paperless billing discount and my 2-yr internet contract is up today. I'm going to call them next week to sign up for another 2-yr contract for better rates. Can I continue the $10/mo discount (for Autopay through bank debit & Paperless billing) or do I have to cancel both of those now before I call? Do they need to see it's not already on the account to get the discount for a new contract? I think you should leave autopay active because most deals include the $10 autopay from a checking account discount as part of the quoted price. If you remove it, then it can take 1 or 2 billing cycles before they reactivate the discount. E.g. this is what my account says if I upgrade to Connect More 200 Mbps: INTE...
by tortoise84
Tue Jan 03, 2023 11:15 am
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 70
Views: 8363

Re: Microsoft Flight Simulator 2020

I heard the game doesn't even render well-known buildings in Washington D.C. accurately (for instance, the Washington monument shows up as a large apartment building). If this is true, that is truly disappointing. For whatever reason, Microsoft decided that DC would not be one of the cities generated by photogrammetry. I'm sure this will change over time. Hmmm. I wonder why . . . Think it might have something to do with the fact Washington was attacked on 9/11 and the only reason the White House is still standing is that the inept pilots couldn't locate it in the topogrophy? I hazard to guess that WAS will never be accurately mapped on retail flight sims. And there's lots of restricted airspace there, too. They updated it in World Update I...
by tortoise84
Mon Jan 02, 2023 5:34 pm
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 70
Views: 8363

Re: Microsoft Flight Simulator 2020

I know I'm bumping an old thread, but just wanted to know if anyone here still plays this game. I do, and I'm trying to make videos of scenic flights like this one of Glacier Bay National Park in Alaska:

https://youtu.be/pxZIFBEcRNA