Search found 964 matches

by Cash
Sat Jul 18, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Should we fix a car scrape before getting Carmax quote?
Replies: 12
Views: 1325

Re: Should we fix a car scrape before getting Carmax quote?

Agreed with the consensus: don't fix. I traded in a car a few months ago that needed a new oxygen sensor. Carmax said it didn't affect their offer.
by Cash
Sat Jul 11, 2015 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: VG policy, wires, slow money
Replies: 6
Views: 636

Re: VG policy, wires, slow money

I also determined that it's too onerous to use VG for wire transfers. I just pay my credit union (Alliant) $25 to do an outgoing one same day (no charge for incoming).
by Cash
Sun Jul 05, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 11438

Re: What is the best meal you've had at a restaurant?

FireProof wrote:Astrid y Gaston in Lima, Peru.


We ate there a couple of years ago. I agree that it was excellent.
by Cash
Sun Jul 05, 2015 6:20 am
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 119
Views: 11438

Re: What is the best meal you've had at a restaurant?

I've eaten at lots of great restaurants, so it's hard to pick a best meal. A dinner I had at CityZen (now closed) continues to stand out in my head. But the best all around experience: staying and eating at The Inn at Little Washington. I have reservations at The French Laundry in September. Really ...
by Cash
Sun Jul 05, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9016

Re: MacBook Pro Worth the money?

Update: Went with a Dell Laptop. Got 17" 1080p display, 4 USB ports, Bluetooth, 16 gigs of ram, etc. for half the price of an equivalent Mac. And more over there is no equivalent Mac laptop in their current lineup. Apple no longer makes 17" laptops. Nor should they. Too big to carry aroun...
by Cash
Sat Jul 04, 2015 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Company Advice - Jumbo Loan
Replies: 4
Views: 895

Re: Mortgage Company Advice - Jumbo Loan

I got good rates and service from First Savings Mortgage Corporation when we were in the DC area.
by Cash
Wed Jun 24, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1229

Re: 4th of July in Washington, DC

We went to the Mall to view the fireworks once. Fortunately, it had just rained, so we were able to walk down from the Foggy Bottom Metro station to the Lincoln Memorial and get a prime viewing spot. Another year, we watched from the Rosslyn side. One of the best viewing spots is Cardozo High School...
by Cash
Mon Jun 22, 2015 6:17 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 63
Views: 7067

Re: Blue Apron

Blue Apron will probably have little appeal to people already inclined to cook, and especially to those who already have a system of cooking that they like. Prior to Blue Apron, we ate out most nights. Now we cook at home 3 nights. Overall, a net benefit in our minds! Blue Apron will also not appeal...
by Cash
Sun Jun 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 63
Views: 7067

Re: Blue Apron

Their service is really good. If you ever need to suspend the subscription (traveling out of town?), they are very good to work with you if you miss their deadline. No penalty to suspend, etc. If you happen to get something that is not up to par (I believe this happened once to us) they may offer t...
by Cash
Sun Jun 21, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 63
Views: 7067

Re: Blue Apron

I think this is a fascinating concept, but I find the packaging situation less than ideal. I'm imagining receiving a sturdy styrofoam box every week. Is that a good guess? No, most of the packaging is recyclable. The outer box is cardboard. Inside is a foil-like bag (think the liner of the bags tha...
by Cash
Sun Jun 21, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 63
Views: 7067

Re: Blue Apron

We've used Blue Apron regularly for about 9 months now. We don't like to shop for produce, and prior to using Blue Apron, we rarely cooked. Blue Apron sends fresh produce and meat right to our door and includes instructions for cooking. Prep can be tedious, but my wife has gotten garlic and ginger m...
by Cash
Sat Jun 20, 2015 6:18 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16916

Re: OPM breach and credit freeze

I got the email from OPM yesterday, and I am so dismayed that they chose to put the CSID offer in an email with a link to a site that then asks for all that very important personal information. How are we supposed to distinguish that from a phishing attack? I looked online and found that it came fr...
by Cash
Sat Jun 20, 2015 6:17 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 194
Views: 16916

Re: OPM breach and credit freeze

The wife and I own two-fers in the "victims of hackery" department. SHE was a victim of the OPM breach. We were BOTH victims of the Anthem (Health Insurance Company) breach. The result? We had some unkonwn entity e-file for a federal income tax refund using my Social Security Number. The ...
by Cash
Tue Jun 09, 2015 5:27 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Re: Keep underground storm cellar (in Florida)?

Well I think you guys are right: nuclear fallout shelter that had most of the cool stuff removed at some point. They were putting electricity in the shelters even back then, so the nonfunctioning lights might be original to it (though that orange fan is connected to a three-prong plug...not sure if ...
by Cash
Sun Jun 07, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Re: Keep underground storm cellar (in Florida)?

Looks like you have a home-made fallout shelter from the 1950s. Here is a history of them: http://www.u-s-history.com/pages/h3706.html Fascinating, and now I'm confused again. Because this one does have the right-angled entryway and a contraption that could be the hand-cranked blower. But I guess a...
by Cash
Sun Jun 07, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: One million dollar home
Replies: 37
Views: 5773

Re: One million dollar home

Chase Meridian wrote:We're estimating $60k-$75k to remodel a kitchen, two baths, and the miscellaneous items.


Kitchen cabinetry alone will probably cost you $40k+
by Cash
Sun Jun 07, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Re: Keep underground storm cellar (in Florida)?

We closed on the house! :beer We had some torrential rain on Friday, so I decided to see whether or not the storm cellar flooded. Since I was down there, I also decided to take a few more pics for you guys: http://i1187.photobucket.com/albums/z385/tengorazon/thumb_IMG_1196_1024_zpswpn6encx.jpg http:...
by Cash
Mon Jun 01, 2015 9:54 pm
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 6751

Re: Behavioral finance and restaurants

I planned the timing of a trip to CA from the East coast based on snagging a reservation at French Laundry (would have gone anyway to visit friends, but it was a not-insignificant motivation for the trip...and to poster "Cash" above: it was worth it!) I would have flown to Spain, had I ev...
by Cash
Sun May 31, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: suggestions for sydney, cairns, and auckland
Replies: 20
Views: 1334

Re: suggestions for sydney, cairns, and auckland

May I stomp a little bit on this thread? I have been to Sydney twice staying in Darling Harbor both times. It's a great place, but simply walking around without a goal does not do it for me and I cannot eat a big meal more than once a day, so having lots of fantastic restaurants is not special to m...
by Cash
Sat May 30, 2015 6:51 am
Forum: Personal Consumer Issues
Topic: Behavioral finance and restaurants
Replies: 72
Views: 6751

Re: Behavioral finance and restaurants

We're in the letsgobobby, live/travel-to-eat camp. One of the primary factors in our recent house purchase was its proximity to the best restaurant scene in the area. We frequently drive about 45 mins to go to a particularly good restaurant in the boonies. We took a 4-day trip to Italy earlier this ...
by Cash
Tue May 26, 2015 5:12 am
Forum: Personal Consumer Issues
Topic: Need to sell old home. Should we spend money to modernize it first?
Replies: 38
Views: 3432

Re: Need to sell old home. Should we spend money to modernize it first?

I think someone who is willing or able to get improvements done will see it as a diamond in the rough but they get to enjoy the efforts of making those improvements as a hedge above the price and resale value of the improvements. +1. Paint the walls, but otherwise let someone interested in rehabbin...
by Cash
Sun May 24, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Does a recent student loan affect mortgage rates?
Replies: 7
Views: 708

Re: Does a recent student loan affect mortgage rates?

Your wife is probably going to be the primary factor here. My lender required 760+ for the best interest rates and used the median score of the 3 credit bureaus. If you apply jointly, they will use the lower set of scores between the applicants. If you don't need your wife's income to qualify for th...
by Cash
Sun May 24, 2015 6:02 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11513

Re: Neighbor hired a surveyor. Should I be nervous?

I had the exact same thing happen to me. The original neighbor and I both agreed that the fence we put up WAS the property line. We agreed in writing, so when the new neighbor came along with lofty ideas for HIS side, it didn't work. LynnC Really? In NJ the deed recorded with the county clerk is a ...
by Cash
Sat May 23, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 2515

Re: Might sell house to a friend. What is fair?

No one has yet mentioned the dreaded i-word - inspection. I think that area can be even more contentious than arriving at the price. As long as everything is in proper working order, I would agree--in advance--to sell it as is. But allow them to have an inspection contingency so they can walk if th...
by Cash
Sat May 23, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Might sell house to a friend. What is fair?
Replies: 30
Views: 2515

Re: Might sell house to a friend. What is fair?

Here's how to do this sale and keep your friends: Each of you hire your own appraiser. If the appraisals are within 5%, average the two values and set the sales price at that value. If the appraisals are farther apart, the two appraisers must pick a third appraiser (you both split the cost of the 3...
by Cash
Tue May 19, 2015 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit a large check long distance?
Replies: 20
Views: 1740

Re: How to deposit a large check long distance?

I recently signed the back of a large check, added "For Deposit Only", and mailed it to Alliant. It credited within a few days (subject to the usual holds).
by Cash
Tue May 19, 2015 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: another rent vs buy situation
Replies: 7
Views: 822

Re: another rent vs buy situation

Seems like it depends on the likelihood of your staying in the house you purchase. If it's more likely than not that you will move in a couple of years, or if it is entirely uncertain whether you will move, then rent. If it is likely that you will stay in the house longer than 4-5 years, then buy.
by Cash
Sun May 17, 2015 12:51 pm
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Re: Keep underground storm cellar (in Florida)?

What did the current owners say when you asked them about it? Current owner has had it only a few years; he bought the house so his son could live there while in college. Given the number of beer cans inside, looks like the son used it for parties. What did your agent say about it? How many homes h...
by Cash
Sun May 17, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Re: Keep underground storm cellar (in Florida)?

Doesn't seem too practical to me. If I was going to use it as a storm shelter that cover would be hard to open (say your wife had to do it by herself), likely to get sucked away and a hazard if debris landed on it you could be stuck. I'd plan on being in there alone; dark and stormy night, tornado ...
by Cash
Sun May 17, 2015 7:42 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Re: Keep underground storm cellar (in Florida)?

The house was originally built in 1948, but there have been additions since then. The electricity leads me to believe that the shelter wasn't original to the house. What would be the difference between a storm shelter and a fall-out shelter?
by Cash
Sun May 17, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: Keep underground storm cellar (in Florida)?
Replies: 48
Views: 3455

Keep underground storm cellar (in Florida)?

We are under contract for a house in central Florida. To our surprise, it has a storm cellar, which seems to be pretty rare in Florida. You can see the top of it (with the fake grass) in this image toward the right. http://i1187.photobucket.com/albums/z385/tengorazon/O5356456_24_0_zpsuii7wgqu.jpg Wh...
by Cash
Sun May 17, 2015 6:39 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance for Florida Condo High Rise?
Replies: 11
Views: 1292

Re: Flood Insurance for Florida Condo High Rise?

I wouldn't bother. I currently live in a high-rise condo building and don't have it, and it wasn't recommended. Why is your board recommending it?
by Cash
Sun May 17, 2015 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Which online banks accept incoming wires (and are generally good).
Replies: 19
Views: 1492

Re: Which online banks accept incoming wires (and are generally good).

Alliant Credit Union does all of that. I have sent and received wires on numerous occasions. Incoming wire transfers are free (outgoing is $25). http://www.alliantcreditunion.org/services/accountservices/wiretransfers/ For sending, it says you have to fax, but I always e-mail an address they gave me...
by Cash
Thu May 14, 2015 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - unexpected competition
Replies: 113
Views: 13690

Re: Selling home - unexpected competition

I'd wait and see how the other house does. Unfortunately, it might tell you whether those upgrades were worth it. This is the problem with living in a subdivision where there are multiple houses with the same floor plans. Most of the real estate value is driven by square footage and location, not up...
by Cash
Tue May 12, 2015 5:12 am
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1858

Re: Florida Homeowners Insurance

I used to have a policy with Florida Family. The only reason I switched is that they wouldn't insure me for hurricanes, so I had to have a separate Citizen's policy for about 10 years. Then that got even more exorbitantly expensive, but I was luckily able to find a company that would insure for bot...
by Cash
Sun May 10, 2015 7:14 am
Forum: Personal Finance (Not Investing)
Topic: House Purchase Dilemma: Get it this summer or wait till winter (and keep renting)?
Replies: 5
Views: 889

Re: House Purchase Dilemma: Get it this summer or wait till winter (and keep renting)?

I guess the premise of your post is that there are better deals in the winter? Maybe, but inventory will probably also be much lower, so less to pick from. If you see a house you want, try to negotiate a good deal and buy it regardless of the season.
by Cash
Sun May 10, 2015 7:04 am
Forum: Personal Consumer Issues
Topic: Somebody hit our parked car today!!
Replies: 21
Views: 3886

Re: Somebody hit our parked car today!!

I can't believe the person who hit your parked car left their information. They should get a medal. Same thing happened to me, I found the side of my car bashed in - it had been parked on the street in front of the house. The miserable wretch who did it left nothing. Cost me $1000 out of pocket bec...
by Cash
Sun May 10, 2015 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 4097

Re: Which of these 6 mortgages seem good?

Alto Astral wrote:The site asks for "Interest Rate" on the amortization calculator. I guess this is the Rate as opposed to the APR?


Yes.
by Cash
Sun May 10, 2015 6:57 am
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1858

Re: Florida Homeowners Insurance

Yes, I should add that this is a 1948 house. Sigh. Lol although isn't that ipso facto proof that it's built well? I hope I have similar luck to Rob5TCP when I renew next year.
by Cash
Sat May 09, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1858

Re: Florida Homeowners Insurance

We are also not near the coasts. I've read good things about Citizens, but my understanding is that it is difficult to get a policy with them if you are eligible for another policy. Is that right?
by Cash
Sat May 09, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Florida Homeowners Insurance
Replies: 19
Views: 1858

Florida Homeowners Insurance

We are buying our first house in Florida, and I am astonished by the cost of homeowners insurance. The cheapest quote we've received is about .6% of the purchase price of our home with a $2500 deductible. And evidently most of the national companies pulled out of Florida around 2004, so I have no ex...
by Cash
Sat May 09, 2015 6:39 am
Forum: Personal Consumer Issues
Topic: Selling house; what to fix, what to leave?
Replies: 26
Views: 2459

Re: Selling house; what to fix, what to leave?

As someone currently in the market for a house, I would advise against the kitchen updates. I've seen countless houses where I've thought, "This probably would be priced correctly if they hadn't 'updated' the kitchen immediately before sale with stuff that I don't like and will replace."
by Cash
Fri May 08, 2015 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 4097

Re: Which of these 6 mortgages seem good?

Okay, ran some numbers and I could save a lot of interest and accumulate equity if I picked a 15 year term. Here are my numbers for 30 vs 15 year at the end of 5 years: Equity: $97k vs $150k. Difference = $53k Interest Payments: $60k vs $40k = $20k It's not that simple. You also have to consider ho...
by Cash
Thu May 07, 2015 5:51 am
Forum: Personal Finance (Not Investing)
Topic: Which of these 6 mortgages seem good?
Replies: 40
Views: 4097

Re: Which of these 6 mortgages seem good?

Get a pre-approval with one lender; it doesn't matter which one. I saw online that pre-approval is good for 60 days or so. Do you need to re-verify after that period? Are those still multiple hard-pulls on your credit report? Also, do you typically request multiple letters for each property that yo...
by Cash
Thu May 07, 2015 5:22 am
Forum: Personal Finance (Not Investing)
Topic: Any circumstances when a home seller gives a buyer a check
Replies: 16
Views: 1807

Re: Any circumstances when a home seller gives a buyer a check

We are currently on the other side of the transaction. After the inspection turned up some issues to be addressed, we asked the seller to contribute toward the closing costs, and he agreed. I preferred that to a reduction in the asking price because the latter wouldn't have much of an impact on the ...
by Cash
Thu May 07, 2015 5:10 am
Forum: Personal Consumer Issues
Topic: How are packages delivered to curbside mailboxes?
Replies: 31
Views: 2595

Re: How are packages delivered to curbside mailboxes?

Growing up, someone was usually home to receive packages. In the 14 years since I moved out, I have always lived in buildings with staff who accepted packages or with a locked mail area that only residents and deliverymen could access. Now we are about to close on a house, and the thought of my pack...
by Cash
Thu Apr 30, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: Anyone have an asset allocation not based on percentages?
Replies: 26
Views: 2593

Re: Anyone have an asset allocation not based on percentages

I like the idea and floated something similar a while back, except my floor was staggered:

http://www.bogleheads.org/forum/viewtop ... 0&t=125004
by Cash
Sat Apr 18, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Township replacing parking meters with kiosks. Is this bad?
Replies: 9
Views: 693

Re: Township replacing parking meters with kiosks. Is this

As someone who never has change, I was elated when my city did the same thing. You can even pay by app now, which would solve your convenience problem. Parkmobile seems to have cornered the parking meter app market, and it works very well.
by Cash
Sat Apr 18, 2015 7:20 am
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 1955

Re: 10% Down 30-Year Jumbo Mortgages?

Prime - .25%
by Cash
Sat Apr 18, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage rate lock in for a year
Replies: 4
Views: 1032

Re: Mortgage rate lock in for a year

Until we decided not to build, we had a 1-year construction-to-perm jumbo loan with TD Bank at 3.875% (30 year fixed), which I think is still their quoted rate. Perhaps you should check them out. I think the origination fee was around $3k.

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