Search found 254 matches

by BeerTooth
Tue Jan 09, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 40
Views: 6135

Re: Using LastPass to Manage Passwords

powermega wrote:
Thu Jun 01, 2017 9:51 am
tech_arch wrote:I personally wouldn't login to anything on a device I do not own and control.
This post is worth repeating.
so you NEVER login to any websites on your work computer?
by BeerTooth
Sun Jan 07, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: migrating from Chrome to LastPass for password management
Replies: 12
Views: 1983

Re: migrating from Chrome to LastPass for password management

hahaha I'll be sure to select a double-super-secret password next time I order pizza! So I'm realizing that the list of supported sites is not all that comprehensive, and subject to the whims of change if these tech companies ever decide they don't want to play nice together (or one of them acquires...
by BeerTooth
Sat Jan 06, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: migrating from Chrome to LastPass for password management
Replies: 12
Views: 1983

migrating from Chrome to LastPass for password management

I have finally admitted to myself that I have far too many weak and easily-guessed but hard-to-remember passwords I'm looking for advice on how to make this transition as painless as possible I have a TON of saved passwords that are saved in my Chrome browser (Smart-Lock feature) and sync-ed when I ...
by BeerTooth
Sat Dec 16, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 6591

Re: Electric Energy Usage

Those of you claiming that "heat pumps don't work in PA" are referring to woefully outdated information. They absolutely work, and at much colder climates than that. They have > 1 COP down to 10 or 20 degrees below zero. https://energy.gov/eere/buildings/articles/cold-climate-air-source-heat-pumps-i...
by BeerTooth
Thu Dec 14, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Looking for an ultra-simple note taking app (Android)?
Replies: 12
Views: 958

Re: Looking for an ultra-simple note taking app (Android)?

I am moving over to Google Keep after having sync problems with OneNote So far I like it, but I there is one feature I'm missing. I like to insert photos inline with text, as a log/diary feature. When I try to insert a photo in a Google Keep note, it places it at the top of the note, not between lin...
by BeerTooth
Mon Oct 30, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 3200

Re: Buying a Home in a 500 year Flood Plain

IF the flood plan maps are accurate, and there is a 1/500 chance of flooding in any given year, the probability that the home will flood at least once over a 30-year timeframe is about 6% A 100-year flood plain house has about 25% chance of flooding at least once in 30 years http://stattrek.com/onli...
by BeerTooth
Tue Oct 03, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Update (again): Amazon "Cyber Monday Deal": Instant Pot 6-qt $74.99 (Cyber Monday-Nov 27)
Replies: 36
Views: 5140

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Love our Instant Pot. Use it 2-3x a week.

I looked up my receipt from when I bought mine in February 2014 - paid $119.95 and that was a "good deal" back then. Consumer price deflation in action!
by BeerTooth
Sat Jul 22, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 3749

Re: Humid basement

those of you using central A/C to dehumidify the basement, what setpoint do you cool to? Most of the summer, my 1st and 2nd floor living areas are pleasant enough in the mid-70s so we leave the windows open for fresh air. The basement is only 65 degrees, but 80%+ humidity if I didn't run the dehumi...
by BeerTooth
Fri Jul 21, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Humid basement
Replies: 39
Views: 3749

Re: Humid basement

those of you using central A/C to dehumidify the basement, what setpoint do you cool to? Most of the summer, my 1st and 2nd floor living areas are pleasant enough in the mid-70s so we leave the windows open for fresh air. The basement is only 65 degrees, but 80%+ humidity if I didn't run the dehumid...
by BeerTooth
Fri Jul 07, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Reuters Story on Used Car Market
Replies: 19
Views: 2993

Re: Reuters Story on Used Car Market

They don't make 'em like they used to. They make 'em much, much better. Cars are a lot more durable, and a five-year-old car is a lot better, than it was, say, thirty years ago. The improvements in rust resistance alone are almost unbelievable. I happened to be reading one of Harry Kemelman's Rabbi...
by BeerTooth
Wed Jul 05, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 23009

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

Buy on Amazon for free shipping/no sales tax, then use your credit cards price match feature to get the best pricing. This. There's no way anyone here knows whether all of the prices on Amazon are going up, all of the prices are going down, some are up, or some are down, or whether "good values" ar...
by BeerTooth
Wed Jul 05, 2017 10:50 am
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 23009

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

Buy on Amazon for free shipping/no sales tax, then use your credit cards price match feature to get the best pricing. This. There's no way anyone here knows whether all of the prices on Amazon are going up, all of the prices are going down, some are up, or some are down, or whether "good values" ar...
by BeerTooth
Thu Jun 15, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 8806

Re: Dehumidifier woes

My house (or I should say my brother's I rent at) has a commercial unit connected to the furnace system. It drains into a sink. It is very effective. It seems most portable ones are throw-a-ways and they last about 3 years. The installed unit has had some minor issues but were repaired. Is that a d...
by BeerTooth
Wed Jun 14, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: I'm going to be rich! [Fidelity retirement planner]
Replies: 31
Views: 7670

Re: I'm going to be rich!

I'm curious about the squiggles in the lines. Is Fidelity telling me there will be a significant run-up in asset prices in 2065, followed by 5-years of "flat" growth? Then again in 2075? Remarkably prescient this far out...
by BeerTooth
Tue Jun 13, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 8806

Re: Dehumidifier woes

I purchased my dehumidifier from Bed Bath and Beyond because they have a reputation for a very liberal refund policy. When it fails, I plan to test out that theory
by BeerTooth
Sun Jun 11, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4639

Re: Vue/Sling tv users--what do you miss?

I'm missing the USA/Mexico soccer game right now because I don't pay for the Sports upgrade on Sling. It happens infrequently enough that it's not worth the extra cost to me.

I have an over-the-air antenna for local content.
by BeerTooth
Wed May 17, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 9001

Re: What Will Burst the Next Bubble?

My conjecture: wealth inequality. When the people on the bottom of the pyramid decide they're done asking nicely and waiting patiently for a more equitable portion of the national abundance, they could grind the political and economic system to a halt in a matter of days. History says this doesn't ...
by BeerTooth
Wed May 17, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: What Will Burst the Next Bubble?
Replies: 66
Views: 9001

Re: What Will Burst the Next Bubble?

My conjecture: wealth inequality. When the people on the bottom of the pyramid decide they're done asking nicely and waiting patiently for a more equitable portion of the national abundance, they could grind the political and economic system to a halt in a matter of days.
by BeerTooth
Mon May 01, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Kamado grill
Replies: 30
Views: 4757

Re: Kamado grill

the solution to the mold problem is easy. Just prop the lid slightly open between cooks. I use a piece of slate stone about 1" thick to crack the lid open. This allows airflow and prevents mold. Cover the exhaust port with the cap that came with it.
by BeerTooth
Tue Apr 18, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 5918

Re: Droopy sun-visor on honda civic

I fixed mine with these aluminum fasteners: https://www.youtube.com/watch?v=aTl0dUhkYD8
by BeerTooth
Thu Mar 30, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: review paper returns in TaxAct before filing?
Replies: 9
Views: 1208

Re: review paper returns in TaxAct before filing?

In the top right click on 'My Return', click My Return Details, click 'View Summary' and then at the bottom of the box is 'Preview 1040'. That lets me see a PDF of my 1040, but I also want to see Schedule A, to make sure I didn't miss any deductions. I'm willing to pay before I see it, as long as i...
by BeerTooth
Thu Mar 30, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: review paper returns in TaxAct before filing?
Replies: 9
Views: 1208

Re: review paper returns in TaxAct before filing?

DSInvestor wrote:I can generate a PDF tax return using the download version of TaxAct. Are you using online version or download version?
I am using the online version. I can try the download version when I get home tonight.
by BeerTooth
Thu Mar 30, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 4702

Re: House buying- How to think about property taxes?

If your goal is to minimize taxes, buying property in Northern NJ is not wise. It just comes with the territory, so to speak. And just because one town has slightly lower or higher rate now, doesn't mean it won't change significantly over the period of ownership.
by BeerTooth
Wed Mar 29, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: review paper returns in TaxAct before filing?
Replies: 9
Views: 1208

review paper returns in TaxAct before filing?

This is my first year handling my own return after paying a CPA to do it for several years. I have entered all my info in TaxAct and I want to review the results prior to filing. I have my 2015 paper return and I want to review it side-by-side to make sure I didn't miss anything. Is there a way for ...
by BeerTooth
Mon Mar 27, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Our technology is old...advice on upgrading...
Replies: 62
Views: 6179

Re: Our technology is old...advice on upgrading...

Our only TV is a plasma tv which I bought in 2008. Plasma screen TVs eat power. Really really eat power. Even when switched off, if the "instant on" is still on. That would be one I would look at carefully in terms of replacing. The only "new" piece of technology we have is my iphone 7 which is pro...
by BeerTooth
Tue Mar 21, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Suspicious organic products
Replies: 101
Views: 8643

Re: Suspicious organic products

I hate Hawaii because I don't like to swim with sharks I love organic fruits and vegetables because at the least you are avoiding chemical sprays, pesticides and all other artificial stuff related Organic produce taste much better and not necessarily expensive. Organic brown rice is $1.50/lb, nonor...
by BeerTooth
Tue Mar 21, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: cost of Solar Power
Replies: 99
Views: 10762

Re: cost of Solar Power

At least here in New Hampshire, net metering rules are grandfathered in until 2040 for any installations that go up before any rule change, so there is little risk on that front. The equipment will be fully depreciated by then. Payback period is 8-10 years for a professional installation; 4-6 years ...
by BeerTooth
Thu Mar 16, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

I entered the total and the software stopped displaying an error. If I wanted to sell this random fund for the hassle-factor, what's a more low-maintenance fund I can buy to replace it and hold in a Vanguard taxable account? In an old post you mentioned having a 4.75% mortgage. If you still have it...
by BeerTooth
Thu Mar 16, 2017 3:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

Total cost: Covered Shares: $4,398.62 Noncovered Shares: $591.30 I don't understand the difference. Which one do I enter? The sum of the two numbers. Though it really doesn't matter, as TaxAct will be happy and your return accurate as long as you enter a number larger than the amount of the non-div...
by BeerTooth
Wed Mar 15, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

yes, there's a box that I can enter a number into. I'm asking which number to enter, or where to find that number in my Vanguard account I don't have a Vanguard account, but surely there is a page that shows you the cost basis of your holding in VIPSX. Right? That's the number to enter -- total cos...
by BeerTooth
Wed Mar 15, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

Find your basis at Vanguard and enter it. Where? I'm in "My accounts>Balances and holdings>Cost basis accounting>Unrealized Gains and Losses" ? or should I look in "Realized Gains and Losses"? I don't know. When you get the following error message from TaxAct does it at that point give you the opti...
by BeerTooth
Wed Mar 15, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

I have the same problem with VIPSX. I entered everything from the 1099-DIV they sent me into TaxAct, and it's giving me an error msg: "Error or Omission: Form 1099-DIV - Liquidation Distributions You entered nondividend distributions on Form 1099-DIV for Vanguard. Enter the adjusted basis of the st...
by BeerTooth
Wed Mar 15, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

Do a lot of people hold VIPSX in taxable? I think that would probably be about my last holding to move to a taxable account. If I really wanted inflation-protected bonds in taxable, I think I'd go with IBonds and individual TIPS. What a hassle! Sorry you guys are having to deal with this nonsense. ...
by BeerTooth
Tue Mar 14, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]
Replies: 18
Views: 2608

Re: Vanguard Inflation-Protected Securities Fund VAIPX [nondividend distribution]

I have the same problem with VIPSX. I entered everything from the 1099-DIV they sent me into TaxAct, and it's giving me an error msg: "Error or Omission: Form 1099-DIV - Liquidation Distributions You entered nondividend distributions on Form 1099-DIV for Vanguard. Enter the adjusted basis of the sto...
by BeerTooth
Tue Mar 07, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 11626

Re: How much do you spend on food in a year?

Just checked my YNAB report for the last year, $10,000 on groceries $2,000 on restaurants Family of five (kids 7/4/1 year old) My goal is to get it down closer to $9,000 next year. Big things to get right: meal planning for the week, cut out the mid-week "re-stock" trip The cheapest grocery store in...
by BeerTooth
Mon Feb 06, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Craigslist vehicle sale worth the risk?
Replies: 30
Views: 3731

Re: Craigslist vehicle sale worth the risk?

I've never understood the perceived risk of meeting a buyer / potential criminal in your driveway to sell a car. What is a crook going to learn that isn't publicly available information? Your address? That your house is a nice one, in a nice neighborhood? I'm assuming you're not planning on telling ...
by BeerTooth
Mon Jan 16, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Why nobody understands importance of high-deductible insurance?
Replies: 115
Views: 13144

Re: Why nobody understands importance of high-deductible insurance?

I tend to take a statistical view of insurance. I assume the actuary who calculated the deductibel and premium is smart enough to ensure that the policy has a positive expected value (http://coccweb.cocc.edu/srule/MTH105/homework/6expectation(text).pdf) for the insurance company (and a negative expe...
by BeerTooth
Wed Jan 11, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 2167

Re: looking for a cloud backup service that works with mapped network drives

thanks for all the suggestions

currently evaluating iDrive for my needs, and so far...so good
by BeerTooth
Tue Jan 10, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 2167

Re: looking for a cloud backup service that works with mapped network drives

hmmm...are you suggesting I use OneDrive as my cloud backup solution, rather than iDrive, CrashPlan, etc? I looked at OneDrive but I need more than 15 GB
by BeerTooth
Tue Jan 10, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: looking for a cloud backup service that works with mapped network drives
Replies: 11
Views: 2167

looking for a cloud backup service that works with mapped network drives

I keep all my files on an external USB hard drive that is plugged into my router. I have a single laptop, plus an NVIDIA Shield for streaming media. I'm looking for an online cloud backup service that will backup the files on this drive (mapped to Z:\ on my laptop). Is have looked at CrashPlan, iDri...
by BeerTooth
Fri Jan 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 5600

Re: Tell me all about snowblowers

Search your local Craigstlist. I have had great luck with MTD Yard Machines. Yes, they are "lower end", but they work great and won't break your budget. I had a 5hp and moved up to the 10hp version for our big/wet snows. Both had/have electric start (plug in, push button, unplug) Your sweet spot wo...
by BeerTooth
Fri Jan 06, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 50
Views: 5600

Re: Tell me all about snowblowers

I have a two-stage 28" Troy-Bilt for the big storms, and a Snowcaster for the small storms (2" or less it's easier than shoveling or blowing)

https://www.amazon.com/Snowcaster-30SNC ... B008OHHVDA
by BeerTooth
Thu Jan 05, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime shipping to post office for pickup?
Replies: 18
Views: 21117

Re: Amazon Prime shipping to post office for pickup?

Similar experience in my neighborhood; lots of mis-delivered/lost packages. I think what we're all learning is that "free shipping" isn't really free, but we knew that already, didn't we?
by BeerTooth
Fri Dec 23, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 3029

Re: Honda Odyssey Value point

Of course there is more variability in used cars than new cars. But for those of us who aren't picky about things like color or a minor door ding, I'm saving over $10K for a vehicle that suits my needs the same as a new one. Of course I'm not buying a salvage-title vehicle. FWIW, the regression coef...
by BeerTooth
Fri Dec 23, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Honda Odyssey Value point
Replies: 21
Views: 3029

Re: Honda Odyssey Value point

I asked a similar question in my search for a used Odyssey. So I gathered data from 25 active listing for 2011 and newer Odyssey (EX-L trim) in my local area. Craigslist, Autotrader, dealerships, etc. I plotted a couple regression lines and found linear and exponential were nearly equal fit (R^2 ~ 0...
by BeerTooth
Thu Dec 22, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 5683

Re: Afraid of retirement??

As a full-time engineer and young father of three in my mid-30s, I can't imagine the mindset of "what will I do with my free time?" I am feverishly cramming my personal life, hobbies, and interests into nights and weekends. Are there really people out there whose lives are so empty of goals, interes...
by BeerTooth
Tue Dec 20, 2016 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Renovation - Cash or Loan?
Replies: 22
Views: 2051

Re: Kitchen Renovation - Cash or Loan?

I guess I am on the other end of the spectrum. I don't know how a whole kitchen can be remodeled for that much. My kitchen was more than 3x. I agree that $25k seems like a lot for a kitchen renovation. But, if it's a dream kitchen and would make you really happy... go for it. Pay cash and be done w...
by BeerTooth
Tue Dec 13, 2016 9:34 am
Forum: Personal Consumer Issues
Topic: Raspberry Pi Kano or Piper Computer Kit for Grandsons
Replies: 5
Views: 5535

Re: Raspberry Pi Kano or Piper Computer Kit for Grandsons

I'm not familiar with the other option, but I bought a Kano for my kids for Christmas. They're 4 and 7 years old so it looked simpler/fewer pieces to assemble. I want them to get some experience programming and interacting with a computer in a more active way; creating content rather than consuming ...
by BeerTooth
Mon Nov 21, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: Bowling alley in the basement
Replies: 30
Views: 5549

Re: Bowling alley in the basement

bowling alleys are made of hard maple, not pine. Pine would get dented fairly quickly https://www.lowes.com/projects/images/buying-guides/Flooring/hardwood-janka1-inline.jpg Make sure you <really> love bowling before investing that sort of money. Makes me think of all the empty tennis courts and swi...
by BeerTooth
Fri Nov 11, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: refinance home or wait for foreclosure to clear?
Replies: 11
Views: 1464

Re: refinance home or wait for foreclosure to clear?

I'm hearing from lenders that they can refinance me into an FHA loan 3 years after foreclosure, which will be June 2017. ~$4k closing costs. So that will enable me to shop around for rates. Hopefully rates don't rise significantly in the next 7 months. Since the simple payback of the ARM refi costs ...