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Re: Freeze and unfreeze credit reports

It's pretty easy. If you've got your pin, you can "thaw" them for a specified period of time online. Fees for thawing and freezing are state specific; 10 bucks in mine. The fees are worth the protection IMO. I just thawe'd one bureau for 7 days recently to open up a new cc. The cc company ...
by C4NT
Sat Dec 13, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freeze and unfreeze credit reports
Replies: 4
Views: 760

Re: "Why Retirement at 65 is a Fairy Tale"

Terrible article. All gloom. The author's only words of advice:

That we all invest in our health and stay on the job as long as we can.


Terrible.
by C4NT
Wed Dec 10, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: "Why Retirement at 65 is a Fairy Tale"
Replies: 117
Views: 11521

Questions about Will and Trust for minor dependents.

Hello All, My wife and I are going to create our first will. We should have done it a while ago, but better late then never. We will have, I assume, a pretty standard will. My question is how to set up a trust in the case that both my wife and I pass. We have a 3 yo and 0.25 yo. My sister will be bo...
by C4NT
Wed Dec 03, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions about Will and Trust for minor dependents.
Replies: 2
Views: 438

Re: Any regrets going from iOS to Android phone?

If you have any contacts that have also have iPhones they may have been using iMessage instead of SMS to text you. You will want to research the issue and turn off iMessage before you deactivate the iPhone. This has been an issue for iPhone defectors. Yes, thank you. I did come across this issue wh...
by C4NT
Wed Dec 03, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3372

Any regrets going from iOS to Android phone?

I have a iPhone 4S and recently bought a Samsung Galaxy S5 for $1 on a Black Friday deal. The phone will be delivered on Friday, and as I am researching ways to transfer my content I am having second thoughts. This is my second iPhone. I had a 3G prior to my 4S and so have had an iPhone for ~6 years...
by C4NT
Wed Dec 03, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3372

Re: How should wife counter salary offer within current co.?

Hmmm, it now seems like OP's spouse was going to negotiate even without any help from the peanut gallery. In any event, I learned some things from this thread, so thanks for starting it. :) I did title the thread " How should wife...," not " Should wife..." and the thread did gi...
by C4NT
Wed Nov 26, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5588

Re: How should wife counter salary offer within current co.?

OP Here My wife spoke with HR yesterday and made her case. After looking over this thread, which helped her develop her talking points, she requested the increase be 8%. They came back with 7.3% which put her salary at the next round number. She was happy to make some progress and accepted the offer...
by C4NT
Tue Nov 25, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5588

Re: How should wife counter salary offer within current co.?

OP here. Thanks again for all of the comments. For a little more background, my wife has not been with the company that long. In that time however, this was the second time she was asked to apply for a leadership position by her superiors. She did not think the first time was the right time. This ti...
by C4NT
Sun Nov 23, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5588

Re: How should wife counter salary offer within current co.?

OP here. As always, thanks to everyone for their advice. The way I see it, we (she) has three options: 1) take the offer as is 2) request an increase 3) demand an increase As many have pointed out, since she is unlikely to choose option #3, she does not have any leverage and so does not have much to...
by C4NT
Sat Nov 22, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5588

Re: How should wife counter salary offer within current co.?

lululu wrote:Any way to find out what people in comparable positions in the company are making?


No, she said that is not possible.
by C4NT
Fri Nov 21, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5588

How should wife counter salary offer within current co.?

My wife recently applied for and was offered a leadership position within her company. The new position will incur greater responsibilities. The offer was only a 5.7% raise. She was expecting a 15-20% raise based on her previous management salary with a previous employer (which was in a similar fiel...
by C4NT
Fri Nov 21, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How should wife counter salary offer within current co.?
Replies: 60
Views: 5588

Re: Replace Motor or Buy New Washing Machine?

Hello All, This is a comparable washer to the one we have - $449 + tax. So you save $265 max for an old machine. Here is what I would do (and I also could repair it as you describe but over the years have learned it is not worth it): 1. Unplug the thing and leave it unplugged for about 48 hours. The...
by C4NT
Mon Jul 07, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1630

Re: Replace Motor or Buy New Washing Machine?

Hello All, Thank you for the quick replies. Prompted by livesoft I did find a lower price on a different (replacement?) part number which looks like should work for our machine. It lowered a bit, but not that much. That tips the scales towards replacement a bit more, but am still undecided (leaning ...
by C4NT
Sun Jul 06, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1630

Replace Motor or Buy New Washing Machine?

Hi, I am wondering what the best course of action is on a broken washing machine. Our current washing machine of unknown age (at least 3 yo, came with house...but not significantly older than that) is not working. Replacement motor* is $265.54 $209.77 all in. I am confident that I would be able to r...
by C4NT
Sun Jul 06, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Replace Motor or Buy New Washing Machine?
Replies: 24
Views: 1630

Re: Options for the medical grad but no residency

Does she have a passion for teaching? My college has a fairly large nursing program, so our science department has several faculty that teach A&P. Several are MDs.
by C4NT
Thu Mar 20, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 98
Views: 9542

Re: Should I contact ins. co. about possible homeowners clai

There was no damage but they charged me with a claim. I sent a letter to corporate with the email about not being a claim. It took awhile but the claim was removed from CLUE. Lesson learned. Good Luck. Thanks, that is all I needed to hear. I will not contact them unless we plan to submit a claim. I...
by C4NT
Wed Mar 12, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I contact ins. co. about possible homeowners claim?
Replies: 5
Views: 751

Should I contact ins. co. about possible homeowners claim?

Because home owner rates are so high and only offered by a few companies in south Florida I am paranoid about submitting homeowner claims to my insurance company. See: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=94417 We did not submit a claim in that instance and never have. We just fo...
by C4NT
Wed Mar 12, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Should I contact ins. co. about possible homeowners claim?
Replies: 5
Views: 751

Re: Holiday Gift for new Preschool Teachers

Hello All, Thanks for the replies. I will definitely go with a gift card. Not sure which one though. I do not want to go with Target or Walmart just because I think it is too generic. I was leaning towards Panera Bread as there is one nearby the preschool, but as mentioned above they may not like it...
by C4NT
Tue Dec 10, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Holiday Gift for new Preschool Teachers
Replies: 7
Views: 425

Holiday Gift for new Preschool Teachers

Hello All, We recently enrolled our 2 yo in a new preschool on Nov 11 of this year. We previously had her in an in-home day care. We will be giving her previous in-home day care provider her usual gift (one week pay + small non-monetary gift), but I am unsure what/if we should give to her new teache...
by C4NT
Tue Dec 10, 2013 9:32 am
 
Forum: Personal Consumer Issues
Topic: Holiday Gift for new Preschool Teachers
Replies: 7
Views: 425

Re: Alternatives to Mint.com?

I use mint.com, and every once in awhile there is a hiccup regarding an account (similar to your experience). I have found that the issue(s) always resolves itself in less than a week.
by C4NT
Tue Nov 05, 2013 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Mint.com?
Replies: 8
Views: 3410

Re: Best Internet price?

I have heard Clark Howard (radio show) talk about Freedom Pop several times. If you are a light user, they are a viable option if they service your area. You may also want to check out Howard's site for more information about this and other services he has talked about on the air. Disclaimer - I hav...
by C4NT
Fri Aug 02, 2013 8:09 am
 
Forum: Personal Consumer Issues
Topic: Best Internet price?
Replies: 9
Views: 1048

Re: Dave Ramsey close to 100% stock

He also stated that "asset allocation is bogus" after recommending to a 65 yo not to buy any bonds. He said that those in the financial industry are lemmings for suggesting people buy bonds. His investing advice (IMHO) just gets worse and worse the longer I listen. ( Link to show archives ...
by C4NT
Thu Aug 01, 2013 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey close to 100% stock
Replies: 65
Views: 6645

Re: Question on "Rich Habits"

Wow, thanks...I wasn't even close to coming up with that one.
by C4NT
Fri Jul 26, 2013 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10750

Question on "Rich Habits"

There have been a variety of internet news articles recently written ( Link.1 , Link.2 ,to link a few) on the book Rich Habits - The Daily Success Habits of Wealthy Individuals by Thomas C. Corley. I have not read the book, but many of his findings from comparing the daily habits of "rich peopl...
by C4NT
Fri Jul 26, 2013 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10750

Re: Roomba vacuums

jaj2276 wrote: The Roomba is a bit loud so scheduling it while no one is home is key.



+1

I worked from home the other day, and it was quite annoying. Coming home and seeing the results, but not experiencing the noise is nice.
by C4NT
Fri Jun 28, 2013 10:57 am
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4277

Re: Roomba vacuums

I got the iRobot Roomba 650 because it has the scheduling feature. It costs about ~$50 more than the 630, but I think it is worth it for that feature. Runs everyday at 10:00 am. In my research it seemed that the new 700 series wasn't that big of an upgrade from the 600 series. A previous poster ment...
by C4NT
Fri Jun 28, 2013 9:48 am
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4277

Re: Roomba vacuums

I purchased a iRobot Roomba 650 for my wife for Mother's day (yes I bought my wife a vacuum for Mother's day...but she LOVES it), so I only have a little more than a months experience. However, in that time we love it. We do not have steps, but have mostly tile floors with several area rugs. It roll...
by C4NT
Fri Jun 28, 2013 8:30 am
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4277

Re: Amerisave - How Long to Sell Mortgage?

They sold it very quickly (back to our original lender), but we still had to send one payment to Amerisave.
by C4NT
Tue Jun 11, 2013 11:28 am
 
Forum: Personal Consumer Issues
Topic: Amerisave - How Long to Sell Mortgage?
Replies: 9
Views: 773

Re: Dave Ramsey Defends his Investing Advice - Again!

I listen to his podcast almost everyday, and have for a few years. He has inspired me to be more frugal, avoid debt, and attack my student loans. However, he almost lost me as a fan today. He was just arrogant and rude. The worst part about that interview was that most of Dave's arguments were just ...
by C4NT
Wed Jun 05, 2013 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends his Investing Advice - Again!
Replies: 106
Views: 15104

Would you take new Gym promo?

The gist - Currently wife and I pay $58/month ($696/year) at local gym. (There are some cheaper alternatives in area but further away and we workout early in the morning - this one is very convenient for us.) New promo deal makes you pay 2 years ($1462) in advance at new rate and get third year free...
by C4NT
Thu Apr 04, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: Would you take new Gym promo?
Replies: 16
Views: 1015

Re: Thinking about increasing risk. Any advice?

Hello All, Thanks for all of the replies and comments. Been a bit busy, so haven't had time to put my thoughts back together on this topic. I've been reading up on bond allocation and have a quick question. From the wiki: For instance, Graham's timeless advice was to never hold less than 25% of your...
by C4NT
Thu Apr 04, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about increasing risk. Any advice?
Replies: 46
Views: 2732

Re: Thinking about increasing risk. Any advice?

Can you state, in your own words, why you are confident and optimistic about this now, when you apparently were not before? What has changed? What evidence do you have that varying your asset allocation according to your degree of confidence and optimism works better than blindly staying the course...
by C4NT
Fri Mar 29, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about increasing risk. Any advice?
Replies: 46
Views: 2732

Re: Thinking about increasing risk. Any advice?

Hello All, Thanks for the replies. I agree with many of your statements. I think I will test out my new found risk tolerance by adjusting my AA much more slowly. So you're not currently age in bonds. You are age minus five in bonds, with a small tilt to a particular sector in your equity allocation....
by C4NT
Fri Mar 29, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about increasing risk. Any advice?
Replies: 46
Views: 2732

Thinking about increasing risk. Any advice?

As our (wife and myself) time to rebalance approaches I have been thinking about our AA. The recent recovery of stocks from the 2008 drop has caused me to rethink our AA. We currently hold roughly an age in bonds AA, with 4-5% of that bond allocation in REIT. I am confident and optimistic that the m...
by C4NT
Fri Mar 29, 2013 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Thinking about increasing risk. Any advice?
Replies: 46
Views: 2732

Re: Pharma career change - anyone have experience

and TA'ing in grad school, and teaching seems... If you have a masters, perhaps you could look into teaching at a community college. No certifications are needed, just 18 graduate credit hours in the specialty (at most institutions). You could even adjunct at night to see if you really like it for ...
by C4NT
Tue Feb 19, 2013 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - anyone have experience
Replies: 17
Views: 1768

Re: Advice on How to Start a Refinance

Hello All, I always try to update my posts when I've made a decision or answered a question, so here is the update. We did refinance, and closed last week. I took the chance that it would appraise at <80% LTV, so applied for a conventional loan. It did appraise above what it need to, actually higher...
by C4NT
Wed Feb 06, 2013 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on How to Start a Refinance
Replies: 7
Views: 905

Re: Do you complicate your portfolio to lower expense ratios

Thanks to all for comments and votes. As livvesoft and retiredjg pointed out it does depend on the size of the funds as well as the difference in ERs. Right now I we are going to stick with the target fund with the 0.45 % ER. Once the account grows we will put in the work to think about where else w...
by C4NT
Thu Jan 31, 2013 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you complicate your portfolio to lower expense ratios?
Replies: 18
Views: 1942

Re: Do you complicate your portfolio to lower expense ratios

Are you asking if she should use a target fund in her 401k (at .4%) instead of the 4 Vanguard funds listed? No, the four vanguard funds are in her IRA. Her 401k does not offer these funds, but does offer lower ER funds (but more specific) than the target fund. So, I could choose a large cap fund wi...
by C4NT
Wed Jan 30, 2013 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you complicate your portfolio to lower expense ratios?
Replies: 18
Views: 1942

Do you complicate your portfolio to lower expense ratios?

I know I may have to post specific portfolio information for better advice, but I just wanted to get a rough consensus on whether to think about changing my wife's portfolio. Here is the breakdown: She just switched jobs, so the majority (~99%) of her portfolio just got rolled over to Vanguard in bo...
by C4NT
Wed Jan 30, 2013 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you complicate your portfolio to lower expense ratios?
Replies: 18
Views: 1942

Re: Best place to buy motor oil?

Walmart has good prices all of the time. If you watch sales at Autozone (sign up for email ad), they sometimes will beat Walmart on deals.
by C4NT
Sat Jan 19, 2013 11:44 am
 
Forum: Personal Consumer Issues
Topic: Best place to buy motor oil?
Replies: 36
Views: 2934

Re: Question about paying back a bonus

Thank you very much for the comments. I knew this didn't seem right, but could not find the right words for how the employer should fix this problem. The employer should either amend their prior quarter's payroll tax return or adjust the current quarter's payroll tax return in order to get back the ...
by C4NT
Wed Dec 05, 2012 6:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about paying back a bonus
Replies: 11
Views: 1459

Question about paying back a bonus

My wife received a $3K bonus when joining her previous position. She has since left prior to the required one year and so now has to repay the bonus. She(we) are now arguing with her former employer over how much we have to pay, and would like some input on making sense of the numbers. Her bonus che...
by C4NT
Tue Dec 04, 2012 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about paying back a bonus
Replies: 11
Views: 1459

Re: What kind of car are you driving?

Me: 2004 Nissan Sentra (114K)
Wife: 2011 Nissan Altima (15K)

We have really enjoyed our Nissans.
by C4NT
Tue Nov 27, 2012 8:39 pm
 
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 278
Views: 21658

Re: Advice on How to Start a Refinance

Thank you LadyGeek for the move, didn't think about that one. Thanks for the advice Outer Maker. I thought that is what should happen with our escrow, but it is good to hear that from someone else. I did not know that 90/10 15-yr FHA loans did not need PMI, that is something we will definitely look ...
by C4NT
Sun Nov 25, 2012 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on How to Start a Refinance
Replies: 7
Views: 905

Advice on How to Start a Refinance

Hello All, We purchased our first home ~1.5 years ago with a VA 30 yr fixed @ 4.75. I now want to look into a refinance. Our primary goal is to reduce interest rate, but would like to keep closing costs <~3000. I am not sure on how to proceed as we could go in a few different directions. The purchas...
by C4NT
Sun Nov 25, 2012 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on How to Start a Refinance
Replies: 7
Views: 905

Re: Oil company specific credit cards for cheaper gas?

Of the few gas station specific credit cards that I have look at the details there is always a minimum gallon/month purchase requirement - 45 gallons/mo for the one I saw most recently. I would not reach that requirement any month, so it is not for me. The cash incentive is 5 cents per gallon, which...
by C4NT
Tue Oct 09, 2012 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Oil company specific credit cards for cheaper gas?
Replies: 13
Views: 857

Re: Firm for ESA Account

Thanks, letsgohobby, I came up with Schwab as well. As far as choosing an ESA, I think if you can find a funding option with lower costs you should always choose regardless if it has limits. The Guide even recommends place money in this vehicle first. I see little reason to own an ESA any more. I'm ...
by C4NT
Sun Sep 30, 2012 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Firm for ESA Account
Replies: 10
Views: 823

Firm for ESA Account

Hello All, Just about to put 2K in an ESA for our 1yo, and thought for sure that I would go through Vanguard to do this - but as I just found out they no longer open new ESA accounts. from Vanguard ESA Info Page Note: Vanguard has removed ESAs from our lineup of college savings offerings (this inclu...
by C4NT
Sat Sep 29, 2012 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Firm for ESA Account
Replies: 10
Views: 823

Re: 529 versus taxable investing versus mortgage payoff

We currently have a 1 yo, and our plan is put 2K in ESA yearly and put enough extra on mortgage to payoff prior to college. That will give us some college money plus extra cash flow at that time. Any additional will go in taxable. I think that gives us the most flexibility for whatever may come down...
by C4NT
Fri Sep 14, 2012 7:52 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 versus taxable investing versus mortgage payoff
Replies: 20
Views: 1425

Re: Tax Prep, Part Time Job...Training?

Hello All, Volunteering Comments - That sounds like a great thing to do. I would probably enjoy this avenue much more, but am currently looking for ways to make extra income. HR Block - Thanks for the info. Most of the comments have been negative so that makes me weary. I like to crunch numbers, but...
by C4NT
Sun Sep 02, 2012 11:34 am
 
Forum: Personal Consumer Issues
Topic: Tax Prep, Part Time Job...Training?
Replies: 14
Views: 1588
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