Search found 737 matches

by nordlead
Thu Oct 10, 2013 9:00 am
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 2900

Re: Programming Linux

learning to program at 12 is pretty vague. Does he want to learn how to setup/control a linux system? (command line/scripting) Or does he want to program games? (C++/Java/Python). If he was an older teen going to college I would suggest C++ so he would learn the building blocks. If the answer is the...
by nordlead
Wed Oct 09, 2013 6:12 pm
Forum: Personal Consumer Issues
Topic: Used car dealers don't really negotiate any more.. true?
Replies: 34
Views: 13597

Re: Used car dealers don't really negotiate any more.. true?

Americans don't like to negotiate, so it is in the best interest of the dealer to claim that the price is fixed and that is what everyone else is doing. I'm yet to buy a car without offering a lower amount than what they asked. On my last car I got them to reduce the price by a set of 4 brand new ti...
by nordlead
Mon Oct 07, 2013 7:46 am
Forum: Personal Consumer Issues
Topic: .....
Replies: 37
Views: 5387

Re: Getting prescription of old eyeglasses

Find a place with a 30-day guarantee. The place I go to will give you brand new lenses if they don't work for you (even if you just don't like how the frames look). We had a temp optometrist (the normal guy was on vacation) who bumped up the prescription after the exam. We went back, they re-did the...
by nordlead
Thu Oct 03, 2013 2:12 pm
Forum: Personal Investments
Topic: New to investing
Replies: 19
Views: 1561

Re: New to investing

I'd talk to a college advisor; I'm pretty sure you can come back at any time. It may be worthwhile to drop out for a year and work. At the very least, if you want to fool around with stocks and what not, you will need more cash to buy more, and you'll need money to live on. You probably can't come ...
by nordlead
Thu Oct 03, 2013 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out whole life insurance
Replies: 3
Views: 392

Re: Cashing out whole life insurance

yes, I realize it isn't a lot. What caught me up on it was I was looking at the cash value increase vs what I paid in. But you are probably right that it is so little it isn't worth it.
by nordlead
Thu Oct 03, 2013 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Cashing out whole life insurance
Replies: 3
Views: 392

Cashing out whole life insurance

Like many before me, and many more to come, I was taught by my parents that I should have whole life insurance, so I got some... Then a few years ago when I bought my house I realized that while I wasn't in horrible shape my finances could be in a much better position. Fast forward through some cost...
by nordlead
Wed Oct 02, 2013 3:38 pm
Forum: Personal Consumer Issues
Topic: Best cell phone plans for light voice use
Replies: 23
Views: 3404

Re: Best cell phone plans for light voice use

Off the top of my head there are two that would work for you. Both are MVNO's on Sprint. Republic Wireless - $20/month per line for unlimited voice/texts/data. They have new plans at various price points, but I don't know them. You are limited to either 1 or 2 phone choices. No roaming. Ting - $18 f...
by nordlead
Tue Oct 01, 2013 6:19 am
Forum: Personal Consumer Issues
Topic: Travel for work expense reporting
Replies: 14
Views: 1096

Re: Travel for work expense reporting

My company requires receipts if we go over the max for the day. I typically spend well more than I normally would. I figure since they "force" us to travel on the weekend for free I might as well get some perks out of the travel. On my last trip I went to starbucks every day. I rarely buy ...
by nordlead
Sun Sep 29, 2013 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 11915

Re: Poll: $ monthly contribution to 529/college savings

lumping $0 with $250 is a poor choice for polling. $0 means you are saving nothing. $250/month means that if you start at birth your child will have ~$50k+earnings. $50k + earnings is enough to pay for a cheap public school while they commute. I am personally contributing $0 because I can barely con...
by nordlead
Sat Sep 28, 2013 6:07 am
Forum: Personal Consumer Issues
Topic: phone upgrade- 1st smart phone
Replies: 23
Views: 1903

Re: phone upgrade- 1st smart phone

If all you really want is a camera, then buy a camera. You'll get better quality and they do come in a small size you can stick in your pocket. My ~8-year old camera still takes better pictures than my phone. New cameras even have Wifi for easy file sharing. If you want a camera that also happens to...
by nordlead
Fri Sep 27, 2013 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Is a hand-written Federal tax return an audit magnet?
Replies: 32
Views: 12009

Re: Is a hand-written Federal tax return an audit magnet?

I've heard that filing by paper increases your chances of audit due to increased chance of error. I doubt they use extra scrutiny. I also understand that paper submissions take longer to process. (Edit: I should say I doubt the rate of audit is higher if you take into account the higher rate of erro...
by nordlead
Fri Sep 27, 2013 7:42 am
Forum: Personal Consumer Issues
Topic: Refurbished Ipad or ???
Replies: 17
Views: 1928

Re: Refurbished Ipad or ???

If you want something that is very portable, go 7". I can throw my Nexus 7 in my front pocket with the slim case I have (won't fit in my back pocket unless I take it out of the case). The 10" are still portable, but not quite as portable because you either have to carry it, or put it in a ...
by nordlead
Thu Sep 26, 2013 9:53 am
Forum: Personal Investments
Topic: interest at the bank
Replies: 19
Views: 2414

Re: interest at the bank

I have a budget that leaves $0 left for the month. All of my money is either going towards a savings goal, or going towards expenses. If I spend less, I just throw it in my bank account, if I spend more, it comes out of my bank account. I have savings goals for home improvement, a new car, vacation,...
by nordlead
Thu Sep 26, 2013 9:49 am
Forum: Personal Consumer Issues
Topic: Advising a Future Engineer (Updated)
Replies: 42
Views: 3315

Re: Advising a Future Engineer

The language of choice for universities appears to be MATLAB.[/url]. :confused It depends on the coursework in my experience. If you are a Computer Engineer it'll probably be C++/C# (depending on the school), if you are Computer Science it tends to be Java. If you are electrical doing signal analys...
by nordlead
Wed Sep 25, 2013 7:15 am
Forum: Personal Consumer Issues
Topic: squirrels
Replies: 25
Views: 2734

Re: squirrels

there are a few ways to kill them without using a gun (which could get you in trouble depending on where you live and how close the neighbors are). If you know what they climb up/down, you could do it the survival way and build a squirrel pole. Essentially it is a stick with a bunch of snares, the s...
by nordlead
Tue Sep 24, 2013 1:12 pm
Forum: Personal Consumer Issues
Topic: Dropbox-like solution - one-way replication
Replies: 22
Views: 2028

Re: Dropbox-like solution - one-way replication

Take a look at rsync, there are windows versions of it. For the clients that should not be able to write you'll just configure it to only pull. For clients that need to upload configure it to also push changes. Another option would be to setup multiple ftp accounts with two groups, one group can do...
by nordlead
Mon Sep 23, 2013 12:33 pm
Forum: Personal Consumer Issues
Topic: IPhone 4s vs. 5 vs 5c
Replies: 53
Views: 6713

Re: IPhone 4s vs. 5 vs 5c

I'm in the same situation as MoneyDummy. I don't really NEED a smartphone but have decided it's probably time to get one for some of the conveniences. Biggest concern for me is the plan, since any data plan will more than double what I currently pay. Although I hate that thought, I do know I can af...
by nordlead
Fri Sep 20, 2013 10:43 am
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 9245

Re: How do you "rent" movies?

I built a cheap and quite HTPC capable of playing blu-ray movies. Blows a Roku type box or smart TV out of the water. I use to to stream content from my file server, watch netflix or play DVDs. I used to use it to watch content directly on various providers websites, but TimeWarnerCable offered me a...
by nordlead
Fri Sep 20, 2013 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 41
Views: 6822

Re: Anyone has experience with Ally bank?

Very happy customer here. I've only had two problems: - Their email alert system was malfunctioning constantly, saying I was overdrawn. They didn't believe me when I called. They seemed to shutdown then overhaul the entire system. It's fine now. - Their BillPay website is not compatible with most b...
by nordlead
Thu Sep 19, 2013 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt - Balance Transfer?
Replies: 9
Views: 1318

Re: Credit Card Debt - Balance Transfer?

Thank you for the reply! Things are starting to get a tiny bit better, so I won't be using credit cards until I have everything under control. Regarding the limit, $5000 would be great because that way I could move half the debt there. But I'm not sure if I want to go through the hassle and then be...
by nordlead
Thu Sep 19, 2013 4:08 pm
Forum: Personal Consumer Issues
Topic: Washing Clothes with Dishwashing Soap?
Replies: 12
Views: 52516

Re: Washing Clothes with Dishwashing Soap?

don't do that with an HE front load washer or you'll have to many suds (at least, that is what all of the manufacturers claim). But then again, you can just use a combination of Bar Soap, Washing Soda, and Borax. Google it for the exact quantities and it is super easy and cheap. If you have hard wat...
by nordlead
Thu Sep 19, 2013 3:27 pm
Forum: Personal Consumer Issues
Topic: New Republic Wireless Monthly Rates
Replies: 5
Views: 1146

Re: New Republic Wireless Monthly Rates

there is no reason to pay $5 for a wifi only plan. You can do that for free via Google Voice and any smartphone with Groove IP or a SIP client. Honestly, I'm not a fan of Republic Wireless at all since you can roll your own version of RP for cheaper by using Google Voice and some cool apps on the pl...
by nordlead
Thu Sep 19, 2013 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Debt - Balance Transfer?
Replies: 9
Views: 1318

Re: Credit Card Debt - Balance Transfer?

I have good to excellent credit and my last CC didn't even give me $10k. My wife who has slightly better credit than I got a little over $10k. So, unless you have spotless credit don't expect $10k. However, if you get $5k and offload half of the debt that is $5k that isn't costing you 13.24%. If you...
by nordlead
Thu Sep 19, 2013 12:41 pm
Forum: Personal Consumer Issues
Topic: Car dealer refusing to repair car
Replies: 54
Views: 7760

Re: Car dealer refusing to repair car

I do think that you should get another dealer to take a look at it, or continue to press the issue with the current dealer. But... What kind of car is it? How many miles? Seems pretty odd for a car that new to have head gasket problems, especially if it's a solid brand like Honda or Toyota. So, whi...
by nordlead
Thu Sep 19, 2013 12:16 pm
Forum: Personal Consumer Issues
Topic: AWD vs FWD
Replies: 17
Views: 3001

Re: AWD vs FWD

I just got my first AWD vehichle (Forester) and have to say I do enjoy the extra pickup in the snow compared to my front wheel drive vehicle. I will say that I can easily slide out the rear of my Forester in the snow with AWD, and do it for fun turning onto a desolate 5-lane road with 6" of pow...
by nordlead
Thu Sep 19, 2013 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Does a cash-back credit card end up costing you More ?
Replies: 32
Views: 3999

Re: Does a cash-back credit card end up costing you More ?

I've seen many financial posts say that you spend less when you spend with cash vs credit/debit. I'm yet to try it myself, but wouldn't be shocked if my spending went down because I'd be too lazy to go to the bank to get the cash so I can spend it :P As for spending more because I have a cash back c...
by nordlead
Thu Sep 19, 2013 10:56 am
Forum: Personal Investments
Topic: 403(b) rebalance/fix
Replies: 10
Views: 909

Re: 403(b) rebalance/fix

Yes, for some reason nowadays T-C has made determining contract types more obscure than it ought to be. One way that currently works is to login in to your account. On the account home page, hit the (+) button to expand the details on one of your subaccounts. Near the top, you'll see a contract typ...
by nordlead
Thu Sep 19, 2013 10:46 am
Forum: Personal Investments
Topic: 403(b) rebalance/fix
Replies: 10
Views: 909

Re: 403(b) rebalance/fix

one more question before I go submit my changes. looking at this reply - 70% equities is OK for age 29. TREA is a separate asset class, neither equity nor bond. Perhaps do similar to this: Trad 15% TREA 20% CREF Stock 25% MidCap Growth 20% MidCap Value 20% I see 65% equities, 20% real estate, and 15...
by nordlead
Thu Sep 19, 2013 9:13 am
Forum: Personal Consumer Issues
Topic: About to buy a boat
Replies: 47
Views: 4620

Re: About to buy a boat

I'm shocked by the lack of recommendation to get a good chart (or electronic equivalent if you must) and a marine radio (not a lot of people have one around here, but they are useful). Once you get the chart, study where you will be going. The lake we boat on is shallow (12-ft or less in most areas)...
by nordlead
Thu Sep 19, 2013 7:31 am
Forum: Personal Consumer Issues
Topic: Car dealer refusing to repair car
Replies: 54
Views: 7760

Re: Car dealer refusing to repair car

haha, haven't read everything, but I could have told you day 1 that if you can't find anything leaking under the car it is a head gasket and it is going in the engine, which totally sucks. The reality is there 2 places the coolant can go. On the floor, or in the air. If you aren't getting any drips ...
by nordlead
Thu Sep 19, 2013 6:41 am
Forum: Personal Consumer Issues
Topic: 2nd car (w new baby on the way): accord vs crv
Replies: 21
Views: 3434

Re: 2nd car (w new baby on the way): accord vs crv

Wondering what others on the board think - is the 2nd car even needed (based on its proposed use by us)? So just to clarify, you both plan on working, but she'll be closer home and you'll be commuting via car. And I presume that the kid will be nearer to your wife than you if you were both working ...
by nordlead
Wed Sep 18, 2013 9:45 am
Forum: Personal Consumer Issues
Topic: Best medium for long-term digital storage?
Replies: 65
Views: 6896

Re: Best medium for long-term digital storage?

The cheapest (and best in my opinion) solution that I've come across is to run your own file server in two physical locations. No human interaction is needed so you remove the most unreliable portion of the backup process. I have one server in my house, and a second server in my parents house. Every...
by nordlead
Wed Sep 18, 2013 8:48 am
Forum: Personal Consumer Issues
Topic: 2nd car (w new baby on the way): accord vs crv
Replies: 21
Views: 3434

Re: 2nd car (w new baby on the way): accord vs crv

Honestly, if you are only getting the 2nd car for doctors appointments then you are wasting your money with either car. With that said... I've been on and off of owning 2 cars. Currently only own one car and a motorcycle. I have 2 kids and a 3rd on the way. When my wife and I both need the car she d...
by nordlead
Tue Sep 17, 2013 3:39 pm
Forum: Personal Investments
Topic: 403(b) rebalance/fix
Replies: 10
Views: 909

Re: 403(b) rebalance/fix

Yes, it makes much more sense to call it a new investment plan, especially since the only plan I had before was money gets deposited :) And thanks for the info. ok, took a look at my benefits page, and I didn't realize that the company is contributing to a 401(a), and I'm contributing to a 403(b), I...
by nordlead
Tue Sep 17, 2013 6:12 am
Forum: Personal Investments
Topic: 403(b) rebalance/fix
Replies: 10
Views: 909

Re: 403(b) rebalance/fix

@Dutch - I do consider myself lucky, and the best part is my company has no plans of cutting their retirement plans despite the poor business over the last 2 years thanks to the government uncertainty with the national debt (joys of being a DoD contractor). Oddly enough I know this because someone j...
by nordlead
Mon Sep 16, 2013 3:20 pm
Forum: Personal Investments
Topic: 403(b) rebalance/fix
Replies: 10
Views: 909

403(b) rebalance/fix

Hi, came across this forum and thought I'd ask for some opinions. I've been thinking about re-balancing my 403(b) because honestly it looks way wrong to me. Then again, I checked a box when I started working at 23 and let it go. Anyways.... Emergency funds: almost 6 months Debt: ~140k left on a 5% 3...
by nordlead
Mon Sep 16, 2013 6:51 am
Forum: Personal Consumer Issues
Topic: Google Contact List creeping towards google + integration
Replies: 75
Views: 7463

Re: Google Contact List creeping towards google + integrati

For email I have my own domain and a small Linux box so it isn't stored in a place that can't be accessed without a warrant. Since the incoming email is delivered directly to me it doesn't go through my ISP's email servers. It goes through servers the senders use though, right? Yep, outside of PGP ...