Search found 813 matches

by Angelus359
Fri Feb 23, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Secure File-Share Service for Small NPO
Replies: 5
Views: 318

Re: Secure File-Share Service for Small NPO

+1 on that tech soup option

My old work used gsuite, a public library
by Angelus359
Fri Feb 23, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 65
Views: 6534

Re: $12,000 Refrigerator?

Sometimes showrooms keep really expensive models on the floor to make the purchase of cheaper (but still expensive) alternatives seem financially responsible. Or really junky models priced not too much lower than higher quality product, which can help the customer justify the marginal extra cost fo...
by Angelus359
Thu Feb 22, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 29
Views: 2665

Re: How Secure Is Your Apartment

I have a condo, which I suppose is apartment like.

Nobody has access to my door keys outside of myself and my wife.
by Angelus359
Wed Feb 21, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4073

Re: Any Creative Ways to Cut the Cable?

I wish I could go internet only but Comcast charges more for internet than internet+tv... It's possible, but look closely. We had the same thought so initially signed up for a cable package even though we didn't think we would use it much. Once you add on the cable box rental, remote rental, HD fee...
by Angelus359
Wed Feb 21, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Q: Reasonable 401k Plan Admin Fees, 800-participant plan / company?
Replies: 4
Views: 265

Re: Q: Reasonable 401k Plan Admin Fees, 1000-person company?

My work has the employer pay the 401k fees, and we have admiral vanguard funds (at principal)
by Angelus359
Thu Feb 15, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4073

Re: Any Creative Ways to Cut the Cable?

I wish I could go internet only but Comcast charges more for internet than internet+tv...
by Angelus359
Thu Feb 15, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4073

Re: Any Creative Ways to Cut the Cable?

Call the company and ask for a new promotional rate.

I do this every 11 months, and my bill for cable, hbo, and 100mbps internet is 65$
by Angelus359
Wed Feb 14, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Digital alarm clock suggestions?
Replies: 26
Views: 1728

Re: Digital alarm clock suggestions?

If you want minimal buttons you could get an Amazon Alexa echo dot, and use that as an alarm
by Angelus359
Wed Feb 14, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Is This Action by Megacorp Legal?
Replies: 65
Views: 4043

Re: Is This Action by Megacorp Legal?

I've seen this happen, but when it happened, everyone was moved to vanguard target date funds where the closest date to them bring 65 was used
by Angelus359
Mon Feb 05, 2018 11:07 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 4679

Re: Where Are The 100% Equity Bulls? BND up .44%

Bwlonge wrote:
Mon Feb 05, 2018 9:52 pm
Does it serve someone to go like 80/20 to rebalance during corrections, or are you better off dumping 100% equities as you go (e.g. 401k contributions)?
Nobody knows
by Angelus359
Mon Feb 05, 2018 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Another one bites the dust (Northpointe 5% checking account going away)
Replies: 5
Views: 770

Re: Another one bites the dust (Northpointe 5% checking account going away)

My old bank had 2% interest checking.

It needed 15 bill payments outgoing or debit transactions per month

I setup a 1$ auto pay to 4 accounts every week.

That was uh... Fun
by Angelus359
Mon Feb 05, 2018 1:16 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14587

Re: For BHs who actually like cars - [what car do you drive every day?]

I actually like driving my Prius.

It's not just utilitarian.
by Angelus359
Sun Feb 04, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1025

Re: Is VPN needed on a home desktop PC?

A VPN only changes your endpoint for where your traffic is hitting the public internet
by Angelus359
Sat Feb 03, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Gold IRA with pretty low costs
Replies: 16
Views: 1353

Re: Gold IRA with pretty low costs

Gold has been a terrible speculation for a loooong time It's actually better in a taxable account because you can deduct the losses... . . What is the benefit to owning gold as an asset I don't like many assets that others might hold, but I don't go around posting negativity in those threads. If yo...
by Angelus359
Sat Feb 03, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8729

Re: WHY do wireless routers need periodic reboots?

This is why I don't go cheap on wireless routers. My home relies on the internet way too much for work at home, slingtv/netflix streaming, and multiple phones/tablets/laptops. I spent $200 on Asus RT-68-u wireless router three or four years ago. I have never had to reboot it by itself. The only tim...
by Angelus359
Sat Feb 03, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 8729

Re: WHY do wireless routers need periodic reboots?

Most consumer grade routers are just poorly designed. This is common behavior and suggestions to load open source alternatives such as DD-WRT or Tomato won't fix the underlying hardware. I've been down this road. If you have even a modest technical background, I suggest buying one of these instead:...
by Angelus359
Thu Feb 01, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Gold IRA with pretty low costs
Replies: 16
Views: 1353

Re: Gold IRA with pretty low costs

What is the benefit to owning gold as an asset
by Angelus359
Thu Feb 01, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Gold IRA with pretty low costs
Replies: 16
Views: 1353

Re: Gold IRA with pretty low costs

Gold has been a terrible speculation for a loooong time

It's actually better in a taxable account because you can deduct the losses...
by Angelus359
Thu Feb 01, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone own gold?
Replies: 25
Views: 2056

Re: Does anyone own gold?

My headphones cables have gold plating on their connectors.
by Angelus359
Sat Jan 27, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 7940

Re: How do you decide how wealthy you really are?

I don't determine how wealthy I am.

The concept of wealthiness as an abstract is goofy.
by Angelus359
Sat Jan 27, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: I contributed $5,500 to an IRA instead of employer plan in 2017, found out I don't get to deduct most of it.
Replies: 15
Views: 1154

Re: I contributed $5,500 to an IRA instead of employer plan in 2017, found out I don't get to deduct most of it.

Ok. So you are covered at work because you made the contribution. You believe this means that about $4,500 of your contribution is not deductible. If you have no other accounts named IRA (except Roth), you could convert that $4,500 to Roth IRA instead of leaving it in tIRA as a non-deductible contr...
by Angelus359
Thu Jan 25, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8531

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

T-Mobile has started phasing out 2G antennas, so my Motorola W233 candy bar phone stopped working at my house a year or two ago. It was 7 years old. I replaced it with a Kyocera Rally, another candy bar phone. Unfortunately, it's a piece of junk even though it cost twice as much as my W233. I've sa...
by Angelus359
Thu Jan 25, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 8531

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I actually am going to say boo on this.

Get rid of your phone when it stops getting security updates.

Using an insecure device is irresponsible.
by Angelus359
Thu Jan 25, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 57
Views: 7149

Re: Love your family car? Under $16,000 Used? Please share!

I bought a 2017 Prius brand new for 20k including an 8 year warranty.

I assume that will be under 16k to get a 3 year old one.

I love it.
by Angelus359
Thu Jan 25, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5053

Re: 4k UHD TVs worth it?

I predict the improvements in size will be used 20% for quality and 80% for size I'm not sure what that means. You don't usually quote "and" improvements with modern codecs, you quote one given the other held constant. Quality and bitrate (and computational complexity) are unavoidable tradeoffs wit...
by Angelus359
Tue Jan 23, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5053

Re: 4k UHD TVs worth it?

When the av1 codec is finalized, you'll be wasting even more bandwidth since 4k will be smaller. That depends on whether a video streamer decreases the bandwidth requirements or increases the quality of the video. Besides, the main advantage of av1 over HEVC will be that it is royalty-free. It rema...
by Angelus359
Tue Jan 23, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5053

Re: 4k UHD TVs worth it?

When the av1 codec is finalized, you'll be wasting even more bandwidth since 4k will be smaller. That depends on whether a video streamer decreases the bandwidth requirements or increases the quality of the video. Besides, the main advantage of av1 over HEVC will be that it is royalty-free. It rema...
by Angelus359
Tue Jan 23, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Tax preparation amount charged
Replies: 16
Views: 1265

Re: Tax preparation amount charged

I just use turbotax
by Angelus359
Tue Jan 23, 2018 12:42 am
Forum: Personal Consumer Issues
Topic: Microsoft [Frustration update to Windows 10]
Replies: 24
Views: 1762

Re: Microsoft [Frustration update to Windows 10]

If you'd like to clean up the update to make it smaller Run disk cleanup as admin, and clean everything Then run cmd as administrator, and then run this. Dism.exe /online /Cleanup-Image /StartComponentCleanup /resetbase Then delete everything in c:/windows/software distribution Then run Compact.exe ...
by Angelus359
Sun Jan 21, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5053

Re: 4k UHD TVs worth it?

Meh. One of the movies in my collection came with a DVD in addition to the Bluray when I bought it. That made it easy to compare, and we're not even talking about the difference between HD 1080 lines) and UHD 4K (2160 lines). We're talking SD (480 lines) vs HD (1080 lines). On my 50" plasma, I can ...
by Angelus359
Fri Jan 19, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: 4k UHD TVs worth it?
Replies: 66
Views: 5053

Re: 4k UHD TVs worth it?

I have a 4k 65 inch TV.

Cost me 1200 at Costco.

You generally can't find high quality 65 inch TVs that aren't 4k anymore, so...
by Angelus359
Tue Jan 16, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Who else hates choosing a car?
Replies: 150
Views: 21391

Re: Who else hates choosing a car?

I bought a prius because the seat felt good on my back
by Angelus359
Tue Jan 16, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 1061

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

I use an ubiquity edgerouter x, with a second old Asus ac68u from T-Mobile in bridgemode for wifi Everything I have is plugged into the ubiquity except my Wii u(wifi only), phones, and laptop (I'm primarily a desktop user) If I were to do it over again, I'd probably go with a top tier Linksys or Net...
by Angelus359
Tue Jan 16, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 182
Views: 18217

Re: Call the top! - Bitcoin

Bitcoin is a terrible currency due to transactions fees and transaction speed

This has been solved with other cryptocurrencies but Bitcoin hasn't adopted the changes to do so yet
by Angelus359
Mon Jan 15, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 19044

Re: Are you finding any good values at Amazon anymore?

I've spent most of my life constantly cold

I recently bought an Amazon essentials brand hoodie

I'm no longer constantly cold.

19$
by Angelus359
Fri Jan 12, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1745

Re: Latest generation RAM 1500's

That's just blustering.

It's a transportation device that happens to be really comfy (the gen4 seat is amazing on my back) and has all the safety features I wanted baked in.

Show me a 40+mpg city pickup truck with automated collision avoidance and a comfortable seat under 25k new


I'll wait.
by Angelus359
Fri Jan 12, 2018 8:45 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2562

Re: Is this solar panel bid reasonable?

Ubiquity sells an 8kw system for 12k, without install
2kw can be installed in a half hour (they have a video to prove it)

Do you think 2 hours of time are worth 16000
by Angelus359
Fri Jan 12, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Bank offering 0.25% off mortgage interest for asset transfer
Replies: 24
Views: 2157

Re: Bank offering 0.25% off mortgage interest for asset transfer

Does this rate beat other rates, such as one from bankrate.com?

It likely might not.
by Angelus359
Wed Jan 10, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: more problem with boyfriend's computer
Replies: 9
Views: 1011

Re: more problem with boyfriend's computer

Don't use windows defender on windows 7. Windows defender on 7 and 8+ are entirely separate products... Defender on 7 is a nightmare The closest product to it is Microsoft security essentials, which got baked into 8 and renamed to windows defender despite another product named windows defender alrea...
by Angelus359
Wed Jan 10, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Latest generation RAM 1500's
Replies: 27
Views: 1745

Re: Latest generation RAM 1500's

If I needed a truck, I'd rent one for a day

I like my Prius.
by Angelus359
Mon Jan 08, 2018 1:04 am
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3830

Re: Best Phone Plan for 1 person

I liked MetroPCS before my work put me on a Verizon plan
by Angelus359
Sun Jan 07, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2408

Re: "Sharing" Internet/WiFi with neighbors?

Public WiFi is dangerous because your dns can be hijacked but if you go to a hijacked dns entry for your bank, the cert won't match and you'll get warnings. Can you explain what you mean by the certs won't match? Your browser has public certificate authority certificate. These certificates sign a p...
by Angelus359
Sun Jan 07, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2408

Re: "Sharing" Internet/WiFi with neighbors?

Hacking your bank account is far less likely than you would think because banks are required to use TLS/https encryption. Public WiFi is dangerous because your dns can be hijacked but if you go to a hijacked dns entry for your bank, the cert won't match and you'll get warnings. A cool trick is in ch...
by Angelus359
Thu Jan 04, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 17
Views: 1488

Re: internet browsers and free software?

Much of opensource is funded by paid support contracts for said software
by Angelus359
Mon Jan 01, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund (Roth) - Anti-Bogle?
Replies: 10
Views: 974

Re: Target Fund (Roth) - Anti-Bogle?

I use one in my 401k because choice gives me anxiety.

They're vanguard funds
by Angelus359
Mon Jan 01, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: Tax Law Sunset 2025 - Roth vs Traditional
Replies: 90
Views: 7785

Re: Tax Law Sunset 2025 - Roth vs Traditional

As to my income, my wife and I (that's still weird to me to say, I got married this month), make a total of 110k/yr I'm actually doing pure traditional 401k and she's doing a tira Since you just got married I'm guessing you're relatively young. There's no way to predict what your situation and the ...
by Angelus359
Sun Dec 31, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Tax Law Sunset 2025 - Roth vs Traditional
Replies: 90
Views: 7785

Re: Tax Law Sunset 2025 - Roth vs Traditional

I have always felt that except for obvious situations (like a 0% marginal bracket, for example), a diversified approach to the type of IRA is valuable, but I don't think most discussions on the forum have taken that approach. tibbitts, I am not sure what do you mean by that. A) My standard advice i...
by Angelus359
Sat Dec 30, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 67
Views: 6822

Re: Wifi Router Advice

Whatever you end up using, make sure it supports fq_codel qos

Makes a huge difference in latency of internet