Search found 737 matches

by nordlead
Fri Jun 05, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Mint Utility and Security
Replies: 9
Views: 1388

Re: Mint Utility and Security

I no longer use Mint in part because it prevented me from setting up two-factor authentication at my financial institutions. Mint only understands usernames, passwords and security questions- not "check your phone for a text/generated code". I actually disabled Paypal access because of th...
by nordlead
Fri Jun 05, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Identity Guard through Costco - anyone?
Replies: 3
Views: 790

Re: Identity Guard through Costco - anyone?

I had Citi Identity Monitor for years (free for the first year due to my card being compromised a few times) and it had all the same features. I finally got tired of paying $8/month and canceled it and replaced it with CreditKarma and CreditSesame and the service is just as good and free. While Citi...
by nordlead
Thu Jun 04, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Refrigerator--Buy New or Used
Replies: 19
Views: 6916

Re: Refrigerator--Buy New or Used

Should I decide not to rent the condo out and leave it vacant until I move-in there in 7-10 years, should I buy new appliances now (if I can get a great closeout deal on them) or wait until the future in case styles, features and technology changes? I would NOT buy all new appliances, especially if...
by nordlead
Thu Jun 04, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Divorcing over finances.
Replies: 70
Views: 9334

Re: Divorcing over finances.

I suspect this thread will be deleted, but I'll chime in before it does. NO. When you take your wedding vows don't you say "for better or for worse"? That means something to me. Same here. Sometimes you have to work on things for a long while to get to where you need to be. It is worth st...
by nordlead
Wed Jun 03, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 56
Views: 14709

Re: Insurance company "outdoor steps need a railing"

My son and daughter-in-law have just moved in to their new house; the yard is planted in all sorts of native greenery (upstate NY) sand there are numerous stone paths and flat stones on which to meander. On one end there is are stairs, fairly shallow pitch, composed of sunken railroad ties and smal...
by nordlead
Wed Jun 03, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Bread Machines?
Replies: 41
Views: 5625

Re: Bread Machines?

You can also knead dough really well (and fast) in a food processor. It's my favorite way to make pizza dough especially. This was going to be my suggestion if you don't have a stand mixer. I prefer to use my stand mixer, but I have a dough attachment for my food processor too. Either device is mor...
by nordlead
Wed Jun 03, 2015 1:08 pm
Forum: Personal Consumer Issues
Topic: Insurance company "outdoor steps need a railing"
Replies: 56
Views: 14709

Re: Insurance company "outdoor steps need a railing"

Here's a link to NY State requirements hand rail memo http://www.dos.ny.gov/DCEA/pdf/RCstairsTB.pdf. NY State requires a hand rail when stairs are two or more treads in height. Interesting. I bought my house 5 years ago and there are no handrails on the front steps and nothing was mentioned about c...
by nordlead
Wed Jun 03, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Dishwasher lime/calcium build-up
Replies: 21
Views: 20970

Re: Dishwasher lime/calcium build-up

They sell http://www.lowes.com/pd_394466-46-W1054 ... er+cleaner specifically for lime and mineral buildup. I don't know how well they work once it gets that bad, but I use them proactively right now (not every month though, more like every 6 months).
by nordlead
Wed Jun 03, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 17147

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

I would never buy a computer (desktop/laptop) with less than 8GB of RAM today unless it had a very specific use with well defined requirements (e.g. low power file server).

I just checked my PC, and I'm sitting at 4GB used, and a peak of 6GB since the PC was turned on.
by nordlead
Tue Jun 02, 2015 7:14 am
Forum: Personal Consumer Issues
Topic: US Mobile?
Replies: 27
Views: 4849

Re: US Mobile?

Oh, thought I'd post this for you too. Taxes are location dependent of course, so this table breaks it down by state. http://www.mywireless.org/state-issues/state-tax-rankings/ Essentially, since you are in Oregon, if anyone were to charge huge taxes/fees on a $30 bill you know they are ripping you ...
by nordlead
Tue Jun 02, 2015 7:02 am
Forum: Personal Consumer Issues
Topic: US Mobile?
Replies: 27
Views: 4849

Re: US Mobile?

investor1, you have pm's off. My goal is to help you, I have a way to save you a few $, but that is frowned upon on this forum. Since the mod's didn't delete my "google" comment, I'll tell you that mrmoneymustache forum that has a Ting referral thread up and running and I'm sure someone ca...
by nordlead
Mon Jun 01, 2015 1:47 pm
Forum: Personal Consumer Issues
Topic: US Mobile?
Replies: 27
Views: 4849

Re: US Mobile?

Just a few things to watch out for with US Mobile (and any MVNO really). US Mobile has no roaming agreements (voice or data), so that means you get native T-mobile coverage only. If you used to roam onto AT&T you won't be able to do that any more. They cut you off when you reach your limit. If y...
by nordlead
Mon Jun 01, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 16366

Re: Which grocery stores do you shop at and why?

I also have a Walmart and Target within close proximity, but hate shopping at both. Walmart in particular (in my opinion) is a nightmare--constantly crowded, huge lines, incompetent check-out clerks, subpar produce, and prices frankly that aren't any better than anywhere else unless you're someone ...
by nordlead
Mon Jun 01, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 93635

Re: Free Windows 10 Upgrade, Yes or No?

I'm going to take the offer. I have two Win 7 machines and I'd like to update them to Windows 10. It'll extend my free windows lifetime to probably close to 18 years. I had Windows Vista when it first came out (free through college), and Windows 7 when it first came out (ditto). No major problems wi...
by nordlead
Mon Jun 01, 2015 8:17 am
Forum: Personal Consumer Issues
Topic: Kids and TV Viewing - Your Thoughts?
Replies: 28
Views: 4130

Re: Kids and TV Viewing - Your Thoughts?

My kids (5,3,1) either watch Disney Jr (online), or Netflix. We have to approve the show, and they know as much. My 5 year old has a tablet (so he won't use mine), and he plays some educational games (math, reading, etc..), Cut the Rope, Angry Birds, Lego, etc... Restricted account with no internet ...
by nordlead
Mon Jun 01, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 16366

Re: Which grocery stores do you shop at and why?

90% Wegmans - Best grocery store I've ever seen, and in this area it is often rated better than Disney World :D 10% BJ's - I have a free membership and they do have good prices on some things that we like to buy in bulk. The reasons I shop at Wegmans is they have consistently low prices on things I ...
by nordlead
Fri May 29, 2015 3:28 pm
Forum: Personal Consumer Issues
Topic: Made online payment and credit card is compromised
Replies: 12
Views: 2417

Re: Made online payment and credit card is compromised

I am less concenred about the credit card since credit card companies don't make you responsible for fraudulent charges. I am more concerned about the bank/brokerage accounts. Has anyone heard of an incident where someone's bank account was compromised online and wiped out? Is there anything else w...
by nordlead
Fri May 29, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 10614

Re: Behavioral finance and restaurants

I would eat out everyday if we are rich and I am not talking about eating fast food. My husband doesn't like to drive too far to eat but I do. I am a fan of diners, drive-ins and dives TV show. I have a list of all the famous restaurants in the world I would like to check out before I die. I don't ...
by nordlead
Fri May 29, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Made online payment and credit card is compromised
Replies: 12
Views: 2417

Re: Made online payment and credit card is compromised

1, 2, and 3 are all possibilities. Along with your CC issuer being hacked (for example, chase was hacked) Anyways, if you want to check #1, I suggest MalwareBytes. If you want to get more in-depth, run HiJackThis and post the results on a website like http://www.bleepingcomputer.com/forums/ EDIT: #2...
by nordlead
Fri May 29, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 20
Views: 5065

Re: why is my android phone full?

Just want to make sure I understand. I am going to buy a 64 gb Sandisk microSD card from Amazon: http://www.amazon.com/SanDisk-Memory-Adapter--SDSDQUAN-064G-G4A-Version/dp/B00M55C1I2/ref=sr_1_2?ie=UTF8&qid=1432921742&sr=8-2&keywords=sandisk+microsd Then I set my phone to store videos/ph...
by nordlead
Fri May 29, 2015 8:13 am
Forum: Personal Consumer Issues
Topic: Still make sense to have AAA membership?
Replies: 74
Views: 14750

Re: Still make sense to have AAA membership?

I don't think it has ever made sense to have a AAA membership, just like it doesn't make sense to pay for extended warranties for every item you buy. Just like any other insurance, AAA is on the winning side, not the consumer. I find it interesting that bogleheads seem to support AAA but not extende...
by nordlead
Thu May 28, 2015 11:07 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 11316

Re: Buying iPhone 6 at full retail

Take the phone to a verizon MVNO and you'll save more than the $25 that the "edge" program would save you.
by nordlead
Tue May 26, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Front load Washing machine does not lock
Replies: 2
Views: 506

Re: Front load Washing machine does not lock

You are out of luck with the warranty. It is a 1-year warranty on general parts (like the door, latch, and other possible failure points for this). The control board is 2 years, so even if it wasn't controlling the latch properly it would still be outside of warranty. Anyways, it should be a fairly ...
by nordlead
Thu May 21, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Teaching maths to a 4 year old
Replies: 31
Views: 10670

Re: Teaching maths to a 4 year old

Sounds like you are on the right track to me. I have a 5, 3, and 1 year old. I always ask the older 2 what various things add up to, or other questions to stimulate learning. When we make pizza I have them help me count the ingredients (say number of tbsp I've poured into the mixing bowl). Basically...
by nordlead
Thu May 21, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 7780

Re: ATT next plan - prepayment quandary

Norlead, But what if you have an old grandfathered unlimited data plan for iphones :).... I keep considering switching to an att mvno (need att for the best service coverage in my area), but the unlimited data is hard to give up, even if I don't really use it that much. If you don't use it, you are...
by nordlead
Wed May 20, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: LTE Coming to More Verizon MVNOs Soon
Replies: 10
Views: 2262

Re: LTE Coming to More Verizon MVNOs Soon

Good to see that Verizon is finally starting to support legitimate MVNOs. More competition is good, but I won't switch to Verizon any time soon as they refused to allow the Nexus 5 on their CDMA network.
by nordlead
Wed May 20, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: LTE Coming to More Verizon MVNOs Soon
Replies: 10
Views: 2262

Re: LTE Coming to More Verizon MVNOs Soon

I'm confused. The article says that these carriers are shipping LTE Sims, but I thought that Verizon was CDMA and didn't use SIMs like GSM phones do. Verizon is CDMA (3G), but they also have LTE for 4G data. LTE does use SIM cards, so does GSM. There are a handful of major technologies in cell phon...
by nordlead
Tue May 19, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 7780

Re: ATT next plan - prepayment quandary

My wife and I paid $11 each for our iPhone 5Ss with a 2-yr contract and trade in of our crappy old slow 4S phones. They would've had to literally cut our bill in half to even it out...which I don't see happening. You didn't pay $11 for each phone, but more like $111 or more, since you gave them an ...
by nordlead
Mon May 18, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 44648

Re: How much does social security factor into your retirement income?

While I hope to have enough that I wouldn't need SS, I fully expect it to still be there and still paying out near 100% for people like me (i.e. not a high enough earner or high enough net worth to get means tested out). Also, with my expenses and the spousal benefit, I expect SS to cover ~95% of ou...
by nordlead
Fri May 15, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Electronic Door Locks
Replies: 26
Views: 4041

Re: Electronic Door Locks

http://www.engadget.com/2014/09/25/haven-smart-door-lock/ seems like a pretty cool door lock. A hack wouldn't necessarily know what is on the other side keeping the door closed. Regardless though, an electronic deadbolt will keep away as many people as a regular deadbolt. It is always easier to brea...
by nordlead
Fri May 15, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSBC bank premier or advance savings/checking
Replies: 4
Views: 1145

Re: Experience with HSBC bank premier or advance savings/checking

I was with HSBC for years (they bought out my bank which was Marine Midland). They were a great bank, and they were one of the early adopters to online banking and had a great website. I signed up for an online savings account and got 5% or more and they were constantly at or near #1. They were then...
by nordlead
Thu May 14, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Can a room with only a toilet be considered a bathroom?
Replies: 28
Views: 8200

Re: Can a toilet alone in a room be considered a bathroom?

Can two toilet's alone on a driveway be considered a 1/2 bath?
by nordlead
Thu May 14, 2015 11:20 am
Forum: Personal Investments
Topic: Employer Contribution 60%?
Replies: 29
Views: 2498

Re: Employer Contribution 60%?

Also has anyone heard of employer contributions without employee contributions? My company puts in 10% of our pay regardless of contribution (5 year vesting period). They also force us to contribute 5% of our pay. Some people at my job consider that a 200% match, but it isn't. If you elect to contr...
by nordlead
Wed May 13, 2015 2:22 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 9879

Re: Tables feature

Thanks for your response Lady Geek. I'm unfamiliar with the software side of things. Is it a matter of having to pay more to enable tables? Could you perhaps forego an "upgrade" (debatable term based on problems people have encountered with the new version) and use money to enable tables?...
by nordlead
Thu May 07, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: video camera?
Replies: 14
Views: 1329

Re: video camera?

Since this is for a specific use, I would get anything you can find for cheap. If you can get a 5 year old HD camcorder on ebay for as cheap as possible that is what I would go for. I'd get something that uses SD cards for storage. Canon, Nikon, Sony, etc... all make easy to use consumer level HD ca...
by nordlead
Wed May 06, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 16 Years Old
Replies: 23
Views: 11311

Re: Credit Card for 16 Years Old

Why do you need him to get a credit card when a debit card can do the same thing? He will have the convenience of a credit card and it is far better to learn how to use the money you have right now instead of borrowing money and paying it back next month. Why do you want him to "build" a ...
by nordlead
Wed May 06, 2015 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 3479

Re: escrow increase...

If at all possible, just cancel the escrow agreement with them and handle your own insurance and property taxes going forward. I've been doing that since around 1980. Now if you just bought the property with a 80% or larger mortgage, then you may not qualify for do it yourself for a few more years....
by nordlead
Mon May 04, 2015 6:52 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 15469

Re: Polls Disabled

Based on my self selecting poll, less than 18% of users actually think Bogleheads should have disabled polls. (less than 18% because I accidentally clicked the wrong answer). What I did learn though, is that the administrators need to loosen up. You can't stop technology. I just held a poll on a thr...
by nordlead
Fri May 01, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Electrical extension cord for a major appliance
Replies: 24
Views: 36659

Re: Electrical extension cord for a major appliance

It isn't a good idea because most people don't check the wire gauge, the amps required, and the length of the extension cord. Also, extension cords are for temporary, not permanent or long term use. If you want to run a window AC unit on an extension cord get yourself a decent 16 gauge 25-ft extens...
by nordlead
Fri May 01, 2015 1:02 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 15469

Re: Polls Disabled

livesoft wrote:What? You didn't have a poll to see what forum members thought about this first? Bummer.

And I was working on a pretty good new poll, too. :(
http://www.poll-maker.com/poll307905x698D4375-11
by nordlead
Fri May 01, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Electrical extension cord for a major appliance
Replies: 24
Views: 36659

Re: Electrical extension cord for a major appliance

It isn't a good idea because most people don't check the wire gauge, the amps required, and the length of the extension cord. Also, extension cords are for temporary, not permanent or long term use. If you want to run a window AC unit on an extension cord get yourself a decent 16 gauge 25-ft extensi...
by nordlead
Fri May 01, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Value of personal time
Replies: 24
Views: 3395

Re: Value of personal time

How much is your personal time worth? Anywhere from $0 to $$$$$$, but I rarely calculate it out. I could use all my free time to create the next Apple, or I could use my free time to do absolutely nothing useful. More often then not, I don't generate direct income with my free time. Are you willing...
by nordlead
Thu Apr 30, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 9869

Re: Backyard patio - should I invest?

I live in the northeast close to Philly area, and yes I have never bbq'd before and I did some reading on the amazingribs.com website and based on their recommendation thinking of getting the weber e310 spirit 3 burner gas grill. I saw some cheaper ones at Lowes, but everyone I talk to keeps saying...
by nordlead
Thu Apr 30, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 9869

Re: Backyard patio - should I invest?

I live in the northeast close to Philly area, and yes I have never bbq'd before and I did some reading on the amazingribs.com website and based on their recommendation thinking of getting the weber e310 spirit 3 burner gas grill. I saw some cheaper ones at Lowes, but everyone I talk to keeps saying...
by nordlead
Wed Apr 29, 2015 11:12 am
Forum: Personal Investments
Topic: Tax Gain Harvesting While in 15% Bracket?
Replies: 21
Views: 2780

Re: Tax Gain Harvesting While in 15% Bracket?

" my investments have grown by a few hundred in gains" No it is not worth the effort to sell and buy back to capture a lower capital gain tax rate on a few 100 dollars. Can you calculate the difference in tax between the gains on a few 100 at 0% vs 25% capital gains? What is it ? Even if ...
by nordlead
Wed Apr 29, 2015 10:48 am
Forum: Personal Investments
Topic: Tax Gain Harvesting While in 15% Bracket?
Replies: 21
Views: 2780

Re: Tax Gain Harvesting While in 15% Bracket?

Everybody with any sense does this if they can. There is a wiki article on it: http://www.bogleheads.org/wiki/Tax_gain_harvesting How is this not a wash sale? Rather the question is, if tax loss harvesting is rendered moot via wash sale rules, you would think they would have done the same thing the...
by nordlead
Wed Apr 29, 2015 10:46 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 9869

Re: Backyard patio - should I invest?

I agree with Pajamas. Buy the grill first, the furniture second, and build a patio if you find you still want one. My parents only had a little stone landing outside of their back door, but they always had a grill and furniture out back. We just sat with the chairs or picnic bench in the grass. They...
by nordlead
Tue Apr 28, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Q re pay Cap Gains Tax at zero income level?
Replies: 12
Views: 1224

Re: Q re pay Cap Gains Tax at zero income level?

If you really have no income, then the standard deduction and personal exemption should cover your income so you won't owe any federal taxes regardless of if they are long term or short term capital gains.

Your state may tax the gains though.
by nordlead
Tue Apr 28, 2015 7:25 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 24310

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

So this morning I was laying in bed listening to the sounds. I decided that the airport (which is ~10 miles away) is more annoying than the train horns (~2 miles away). Big trucks engine breaking on road are probably even more annoying, but that typically only happens during the daytime, not early m...
by nordlead
Mon Apr 27, 2015 8:26 pm
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 24310

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

I've been looking at some houses close to a freight railroad track where the train horn is definitely audible. How far do I have to go before the sound is not bothersome? 5 miles with windows closed, 10 miles if you sleep with windows open. 5 miles would eliminate every house in my town, and 10 mil...