Search found 737 matches

by nordlead
Mon Apr 27, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 24406

Re: How far away from a freight railroad track should you li

I grew up 0.7 miles from two train crossings and I'm probably about 2 miles away now. The tracks are mostly surrounded by trees or businesses. I think the speed limit is under 30mph on pretty much all of the tracks around here and there are a lot of pull offs so they never seem to be going very fast...
by nordlead
Mon Apr 27, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 9611

Re: Another reason NOT to use (free) Wifi

VPN, TOR, privacy addons like Random Agent, etc. Not perfect, or even close. Better to do something than nothing. Read Data v Goliath. Eventually the generation that doesn't care about privacy will wake up - when their children have no privacy, perhaps. Again, VPN, TOR, and privacy addons do NOTHIN...
by nordlead
Mon Apr 27, 2015 6:43 am
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 9611

Re: Another reason NOT to use (free) Wifi

I use a VPN whenever I (rarely) use a free WIFI connection. It is not perfect, but it is better than nothing. And whenever I am not using WIFI (e.g., away from my house), I make sure that WIFI and BT is turned off on my phone. Using a VPN doesn't solve this problem (tracking what physical stores an...
by nordlead
Fri Apr 24, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: Who still have Cable TV?
Replies: 63
Views: 7278

Re: Who still have Cable TV?

I've only paid for cable for 2 out of the last 9 years. And that was because TWC offered me Internet + HDTV + HDDVR for $65/month all inclusive and at the time Verizon wouldn't budget below $50 for internet. I have access to Netflix (parents account), tons of online streaming TV (abc, nbc, cbs, fox,...
by nordlead
Thu Apr 23, 2015 6:43 am
Forum: Personal Consumer Issues
Topic: Motorcycles!
Replies: 36
Views: 4598

Re: Motorcycles!

The R6 isn't too powerful of a bike for a beginner per se, as I started off on a 2001 Yamaha YZF600R (the predecessor of the R6). The big difference between the two is the R6 is fuel injected, which makes the throttle much more twitchy (that combined with a lighter frame). With the carburetor in the...
by nordlead
Wed Apr 22, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I paint the house next door?
Replies: 17
Views: 3124

Re: Should I paint the house next door?

In my area, peeling paint would be a code violation... I'm actually surprised I haven't gotten a notice about my front porch and garage door. I intend to redo both of them this summer.
by nordlead
Wed Apr 22, 2015 2:29 pm
Forum: Personal Consumer Issues
Topic: Reducing Monthly Costs
Replies: 29
Views: 3890

Re: Reducing Monthly Costs

In the last few weeks I reduced my monthly costs by $457 with just a few phone calls and a little paperwork.... Cable................$30 a month reduction by just asking Mortgage............$170 a month refinancing to a 10 year Newspaper..........$30 a month by canceling subscription we never read ...
by nordlead
Wed Apr 22, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 35599

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

leonard wrote:I've never financed a hammer - so not sure why I would start financing with this transportation tool.
Have you ever rented a tool? It is a pretty common practice for specialty automotive tools or for large/expensive home improvement tools.
by nordlead
Wed Apr 22, 2015 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 15620

Re: What's your average monthly expense???

I know I seem to be a hammerhead on this topic, but I do not see how you could eat a nominal 2000 cal./day diet meeting the current nutritional guidelines for carb/fat/protein intake and recommended nutrient levels for $250/month for two people. I'd have to see the menus for the month. That's 180 m...
by nordlead
Wed Apr 22, 2015 1:00 pm
Forum: Personal Consumer Issues
Topic: $139 lease for EV, $0 down, 39 month lease Chevy Spark
Replies: 82
Views: 35599

Re: $139 lease for EV, $0 down, 39 month lease Chevy Spark

It looks like it is only available in some locations (none within 250 miles of me) If it was available here, I'd lease it for $139/month. If I replaced all of my gas driving with this it would essentially be a free car for 39 months (just have to pay the difference in insurance).
by nordlead
Wed Apr 22, 2015 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: What age did your Net Worth first equal 10,000x your Weight?
Replies: 48
Views: 6399

Re: What age did your Net Worth first equal 10,000x your Wei

In today's dollars I'll never make it (or at least I don't intend to work that long), but with a tiny bit of inflation and losing some weight, I should reach that by ~50.
by nordlead
Wed Apr 22, 2015 8:25 am
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 7179

Re: New Water Heater

I disagree. Yes, sometimes they leak, but in my neighbors case, he had a basement full of water. Not sure why I would wait for that. I rather just buy a tank with a long warranty and go by the date. I rather do it before it leaks because Peace of Mind is priceless. I'm not sure that logic holds up....
by nordlead
Wed Apr 22, 2015 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 1175

Re: Mortgage Transfer May 1st - Payment??

I had my mortgage transferred either 2 or 3 times when I first bought my house. I know at one point my mortgage got transferred to a bank only to be transferred again before I ever paid them. I just paid whoever sent the bill. But, as Grt2bOutdoors said, I'd just call your current mortgage servicer ...
by nordlead
Wed Apr 22, 2015 6:53 am
Forum: Personal Finance (Not Investing)
Topic: $6 billion of 401(k) loan defaults each year
Replies: 9
Views: 2251

Re: $6 billion of 401(k) loan defaults each year

no shocker there. People take out a loan and only consider how long they have to repay it, not what will speed up the pay by date. Also, if you took a loan it is probably because you don't have other money available. If you are laid off or change jobs you'll have no way to repay the loan.
by nordlead
Wed Apr 22, 2015 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 64
Views: 21638

Re: Displeased with Fidelity Cash / BNY Mellon- debit card t

why don't you just reconsider debit cards? If this was a CC, you'd be liable for $0, you'd be out $0 at this point in time. You are on the west coast, and the bank probably closes at 5pm EDT, so you probably need to call prior to 2pm, and should really call at 1pm so that you have time to talk to so...
by nordlead
Tue Apr 21, 2015 10:37 am
Forum: Personal Finance (Not Investing)
Topic: My professor gave me textbooks I later sold. Taxable?
Replies: 19
Views: 1916

Re: My professor gave me textbooks I later sold. Taxable?

Honestly, I think most people just don't care or ever consider this. Do people declare income when they receive a gift from their parents and return it to the store for cash?
by nordlead
Mon Apr 20, 2015 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 15620

Re: What's your average monthly expense???

On the topic of monthly grocery bills, I effectively feed 5.2 people (the 6th person is my SIL, and she doesn't eat with us that often, and the rest of the time she eats her own food). My monthly expenses are averaging $911, or $175 per person. That $175/person includes diapers, toilet paper, cleani...
by nordlead
Mon Apr 20, 2015 3:46 pm
Forum: Personal Consumer Issues
Topic: Can SiriusXM Radio damage my credit rating?
Replies: 15
Views: 12255

Re: Can SiriusXM Radio damage my credit rating?

Pay the bill. It is $20 for a service you used. Just because you were considering cancelling anyways doesn't mean you shouldn't pay. Besides, it isn't worth the credit hit. I had National Grid (electric and gas supplier) hit me with a collections notice when I moved from one apartment to the next. A...
by nordlead
Mon Apr 20, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 15620

Re: What's your average monthly expense???

If you seriously want to cut your bills (in order of easy to harder). 1) get cheaper internet/phone (savings of ~$100/month) 2) eat at home more and maybe go out once per month (savings of ~$100/month) 3) examine your misc/entertainment budget (saving ~$100/month should be easy) 4) sell your car and...
by nordlead
Fri Apr 17, 2015 1:33 pm
Forum: Personal Investments
Topic: Stocks are on sale, should I buy?
Replies: 54
Views: 9651

Re: Stocks are on sale, should I buy?

If beer or peanut butter was on sale I would stock up. I'm kind of thinking I should do the same with my VTSMX! Thoughts? Would you stock up on beer or peanut butter if the sale was only 1.5% (or essentially a $0.15 savings on 2 large jars of PB)? Personally, I'd just by my normal quantity if I nee...
by nordlead
Thu Apr 16, 2015 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity offering </=10% IRA matching to switch
Replies: 4
Views: 1540

Re: Fidelity offering </=10% IRA matching to switch

yea, lost of advertising on mint for this, but only really benefits those with large portfolios.
by nordlead
Thu Apr 16, 2015 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Poll: Effective average Adjusted Livesoft tax rate?
Replies: 73
Views: 13050

Re: Poll: Effective average Adjusted Livesoft tax rate?

>80k, -1.12% tax rate (if I followed the rules correctly). Child credits pushed line 63 down to 0, so, so the credits on line 66-69 push it negative.
by nordlead
Wed Apr 15, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 7818

Re: How much should a small tile floor (3' X 5') cost? $2000

mr_scaramanga wrote:I thought of trying to take the plywood out in one piece, but wouldn't the plywood be nailed to the floor joists all across? So, if I cut it out at the edges, wouldn't it still be nailed in places in the middle of the floor?
A large lever (like a spade) should pull them out fairly easily.
by nordlead
Wed Apr 15, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 7818

Re: How much should a small tile floor (3' X 5') cost? $2000

If you are going to do the demo work only, I'd suggest doing a google search for how to remove tile. My understanding is that bashing them to tiny bits isn't the easiest solution. Also, wear proper safety gear like goggles, gloves, shoes, long shirt, and long heavy jeans!!
by nordlead
Wed Apr 15, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 7818

Re: How much should a small tile floor (3' X 5') cost? $2000

A cheap tile for a 3'x5' area will cost you a grand total of $15. A 4x8 section of plywood and a single piece of 3'x5' 1/4" backerboard will cost you under $50 (tile shouldn't be directly on plywood unless you don't mind if it breaks up, there are other solutions besides backerboard but I'm not...
by nordlead
Tue Apr 14, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 34213

Re: Don't come to Europe with a new chip and sign credit car

I was standing behind someone recently at a register where the merchant had recently upgraded their credit card machine to use the new chip cards, and the merchant was trying to show the person in front of me how to insert their chip card into the slot (there was a separate slot in front of the mac...
by nordlead
Tue Apr 14, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Two goals reached from most recent paycheck
Replies: 4
Views: 1032

Re: Two goals reached from most recent paycheck

1,000 hours is insane. How long have you been there for? In the corporate world I wouldnt even get paid out on sick leave if I were to leave, so doesnt make sense to bank it. He's been there probably 10 years or more as he said he is earning ~100 hours/year. My company won't let you bank sick time,...
by nordlead
Tue Apr 14, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 6049

Re: VPN killing my Internet

I should add that MY entire internet connection becomes very slow when this happens; that is, I can't cruise the web very effectively. This is just for the machine using the VPN - other computers at home don't have issues, and shutting them down doesn't seem to improve the situation. But also it is...
by nordlead
Tue Apr 14, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 6049

Re: VPN killing my Internet

Using a VPN is a security measure, particularly useful when conducting financial or investing matters over the internet, so it's a issue of interest to many of us. A VPN isn't really that beneficial for financial matters. If your financial institution doesn't use proper security the VPN only moves ...
by nordlead
Mon Apr 13, 2015 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 3063

Re: Getting married-do I really need a will?

The estate planning attorney that did our most recent wills, etc. gives an actual case of why almost everyone needs a will. This is a case of a recently married couple - with no will. . Newly married couple. Neither has a will. Husband has significant life insurance policy with new wife as benefici...
by nordlead
Mon Apr 13, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 8555

Re: On a budget and Friday night

I really feel bad for those who don't have a second run movie theater in town. We only go to the real movie theater once a year or so. The rest of the time we go to the second run (dollar) theater (1-3 times a month.) So, $7 for the five of us. $15 if we get popcorn. If you're really cheap, you avo...
by nordlead
Mon Apr 13, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 8555

Re: On a budget and Friday night

I bought a 55" TV and a 5.1 surround sound system (not a pre-packaged box or sound bar, but mid-quality speakers), so going to the movies rarely if ever happens. My screen looks nicer and my sound system sounds just as good. The popcorn is cheap, I can pause for the bathroom if needed, and I do...
by nordlead
Mon Apr 13, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Budget/Expense Apps?
Replies: 10
Views: 1203

Re: Budget/Expense Apps?

I use mint for the ease of use. It tracks my CC expenditures and I pretty much never pay with cash. It isn't the best tool out there for budgetting (you can't create a budget until the 1st rolls around), but it does a great job tracking expenses.
by nordlead
Mon Apr 13, 2015 7:51 am
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 15564

Re: Password manager recommendations?

I use keepass2 hosted on my own personal server with scp capabilities. If I need keepass2 on a 2nd computer (say a relatives computer) I download it, have it access my database and then delete everything. I prefer to just use my android phone though and I'll type the password (there is an android ve...
by nordlead
Fri Apr 10, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 5569

Re: What is Sammy Savers net worth?

If we liquidate Sammy's estate upon his death today, what would we have, that is the question. The $500K taxable gets a stepped up basis so that's easy. The $500K tax-deferred becomes an inherited IRA for someone, so we'd need a tax bracket to work with. Let's assume 25%, so that's worth $375K in r...
by nordlead
Fri Apr 10, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 17021

Re: Has Anyone had a Credit Card Cancelled for not Using It

yes, a long time ago (roughly 8 years ago) I stopped using a gas station CC because it no longer offered the best perks for gas. Some time after I stopped using it I got a letter saying they were closing my account due to inactivity. However, I've also had store cards (sears, home depot, etc...) sta...
by nordlead
Fri Apr 10, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: How to know if I am saving enough?
Replies: 25
Views: 3840

Re: How to know if I am saving enough?

If you started working at 25, then saving (not just paying down debt) 20% of gross per year is probably more than enough if you intend to work til 67.
by nordlead
Fri Apr 10, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: What is Sammy Savers net worth?
Replies: 41
Views: 5569

Re: What is Sammy Savers net worth?

yay, another one of those how do you calculate net worth threads...

Anyways, I do simple math because it is good enough for me.

$1m with a yearly income of $10k (assuming he is eligible for his pension now). At 67 he'll have a yearly income of $25k in today's dollars.
by nordlead
Thu Apr 09, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Smartphone app to block hundreds of multi-number spam calls?
Replies: 24
Views: 5221

Re: Smartphone app to block hundreds of multi-number spam ca

Find an app that allows you to whitelist calls or change your phone number.

I use Google Voice to route calls, and it has the ability to whitelist calls and has a built in spam list.
by nordlead
Thu Apr 09, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 9224

Re: Poll: What is the credit limit of your credit card?

The limit on a single card doesn't matter to the credit agencies. What matters is percentage used of the total credit limit (all combined cards). Also, some CC's don't report the limit, so the credit agencies use the highest number ever reported to them. This means that a CC that never gets used wit...
by nordlead
Thu Apr 09, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Advice on new CC and online bank (horrible exp with Cap One)
Replies: 19
Views: 3327

Re: Advice on new CC and online bank (horrible exp with Cap

About ten days ago, I found that I couldn't access Capital One's site to check my credit card history and pay my bills. It would accept my username and password just fine, but then the screen would say that the site was having difficulties, to call their 1-800 number, and a reference code was provi...
by nordlead
Tue Apr 07, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: Updated from 2015: Vehicle Suggestions with 3 Kids
Replies: 45
Views: 11258

Re: Vehicle Suggestions with 3 Kids

I have 3 small kids (5, 3, 1) in a Subaru Forester, so as far as I'm concerned almost anything mid-sized or bigger will work, but hatchbacks are preferred (easier to get the strollers in/out). However, the kids are starting to get older and it is getting harder and harder to go on vacations, so we w...
by nordlead
Fri Apr 03, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 149593

Re: Pull-ups and Push-ups

I started weight lifting 7-8 weeks ago and went from a squat (3 sets of 10) of ~125 to 215 (last night), and my bench has gone from ~100 to 145. I may have started light, but my goal is proper form before heavy weights. My goal is to continue this simple weight lifting program (squats, bench, row, t...
by nordlead
Wed Apr 01, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Tablet recommendations?
Replies: 17
Views: 2578

Re: Tablet recommendations?

I have a Chromebook and a Nexus 9, they are both very useful (along with my Thinkpad x230) but the Chromebook's screen is not the highest quality, if that is important. Both my Thinkpad's and the Nexus' screen are far superior, especially in viewing angles which is important if two of you are huddl...
by nordlead
Wed Apr 01, 2015 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Quick NY Tax Question
Replies: 8
Views: 1078

Re: Quick NY Tax Question

This indicates nothing to the IRS, as NY taxes go through the NY Department of Taxation and and Finance, not the IRS. However, the box does make a difference. Line 29 allows you to exclude pension/annuity income from NY taxes. You can only exclude income as a beneficiary if the original recipient wo...
by nordlead
Tue Mar 31, 2015 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Tablet recommendations?
Replies: 17
Views: 2578

Re: Tablet recommendations?

At that size (10-12 inches), why not get one of the ~$300 chome book laptops?

Edit: for those saying ipad, do you realize you are suggesting a tablet with more like 8-9 inches of useable screen space considering what he wants to use it for?
by nordlead
Mon Mar 30, 2015 9:48 am
Forum: Personal Investments
Topic: Try to understand long term gain
Replies: 7
Views: 1168

Re: Try to understand long term gain

1) It looks like there was a large LTCG distribution between 1/4 and 1/3 of the NAV price in December 2014, so while the numbers are large, they look correct. I don't know for the other 2, I'd call vanguard for #3. Also, shouldn't the 0% LTCG tax rate apply? Sure, there are state taxes, but overall ...
by nordlead
Thu Mar 26, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Huge Tax Bill !!
Replies: 13
Views: 3723

Re: Huge Tax Bill !!

The same event that triggered your "huge tax bill!!" of $13k also added $100k to your bank account, so you should be able to pay the tax. Yeah... I know quite a few people who did stuff like this but didn't think of the tax consequences. So, they had $0 added to the bank account because t...
by nordlead
Thu Mar 26, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Need a tablet maybe
Replies: 26
Views: 3399

Re: Need a tablet maybe

I don't suggest buying budget $50-80 tablets unless you can try them first. They tend to be slow and buggy (especially if they have bloatware on them). My personal opinion is to get one of the following android tablets (or something similar) Nexus 7 - 2013 model LG G Pad 8.3 - V500 (So, the Wifi onl...
by nordlead
Tue Mar 24, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 20597

Re: How Do You Watch Television?

I am very impressed by the 16 percent who don't use cable, satellite, or streaming. I don't know how that can work. Do these folks spend a lot of time reading? Option 1 only says I don't pay for it, not that they don't use it. I stream content, but I don't pay a penny. ABC, NBC, CBS, Fox, CW, USA, ...