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Cell Phone Plans

After 2 years my plan is finally expiring. I'm wondering what younger BH'ers that use their phones quite a bit are doing for a plan. I use 500 minutes a month and about 1.5GB of data. I've been shopping around for prepaid plans and most of them are almost the same amount is if I upgrade into a newer...
by Greg17
Wed Mar 05, 2014 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 1
Views: 244

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

This is a trick question, right? What could possibly make this a good idea? For vanity? I'd say count your blessings that you own a home at this young age, focus on other things, and stay here until you have kids, and even then maybe a couple more years. Then you'll know far better what you will ne...
by Greg17
Sun Feb 16, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2305

New Sprint plan

There is a new Sprint Plan that has been advertised several times during the football games tonight. The overview is $25 a month for unlimited talk and text if you have 7- 10 people (friends & family) join with you. The ad mentioned that it is seperate bills, which would avoid the family plan ha...
by Greg17
Sun Jan 19, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: New Sprint plan
Replies: 0
Views: 258

Thermostat adjustments

I've been wondering about this for awhile. Background: We keep the heat at 68 when we get home from work until bed and then turn it down at night. The heat is only really up (68 degrees) 3-4 hours a day. I'm curious which scenario would be more cost effective. Scenario 1: Keep the heat low (55 degre...
by Greg17
Wed Jan 15, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Thermostat adjustments
Replies: 5
Views: 804

Re: Optimizing job offer negotiation (game theory?)

One of two things is going on: 1. They are low-balling him and seeing if he'll bite 2. They have another candidate they also like at a close salary, but would rather him if he'd take 60k. in my eyes, it'd be foolish to take a pay cut for a lateral move. He can try calling their bluff- unless they ar...
by Greg17
Mon Dec 16, 2013 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Optimizing job offer negotiation (game theory?)
Replies: 13
Views: 899

Re: Password Management Programs

One last question about LP.
How does it handle sites that you have multiple log ins for. For example if you have two email addresses from the same provider...
by Greg17
Fri Dec 13, 2013 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Password Management Programs
Replies: 45
Views: 3351

Re: Password Management Programs

How is lastpass with security?
My biggest concern is that all my passwords would get hacked, as they are stored in the cloud.
by Greg17
Fri Dec 13, 2013 2:02 am
 
Forum: Personal Consumer Issues
Topic: Password Management Programs
Replies: 45
Views: 3351

Re: New email service provider needed

What's the best options for a paid or hosted email I have Yahoo- and the new one is horrendous- plus it gets over run with spam I won't use Gmail due to privacy concerns @me - seems interesting choice. but now its @icloud.com which sounds a bit unprofesional to me and I have a very common name, so m...
by Greg17
Fri Dec 13, 2013 1:57 am
 
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4213

Re: Need address for deployed servicemember

Our church group got some goodies together to send to a currently deployed service member in time for Christmas, preferably to Afghanistan where I served from 09-10. If you know if anyone please send or PM me their name and APO AE address. Thanks in advance You can always send them to the fob you w...
by Greg17
Thu Dec 12, 2013 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Need address for deployed servicemember
Replies: 4
Views: 306

Re: How to respond to request for current salary in an inter

I think this depends on the industry. In my industry, it is the norm to not only ask for this information but also to request copies of pay stubs to document the amount. This is not done to hurt the applicant (we understand that they are looking for more money), but rather to satisfy our own report...
by Greg17
Thu Dec 12, 2013 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 7634

Re: Job questions please help!!

A few issues here: 1) Your current company waited this long to extend your offer. That's a red flag to me. If its something that serious your boss should have been on them to get you an answer. That's not a place I'd want to work. 2) Never ever tell them you are interviewing. Many places will walk y...
by Greg17
Wed Dec 11, 2013 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1496

Re: How to respond to request for current salary in an inter

I would say the quickest easiest way to respond with giving them the information they are looking for, but not giving away any information you don't want to, is a response like this " To answer your salary request, I'm only targeting position in the 80-90k range. " That's a decent answer....
by Greg17
Wed Dec 11, 2013 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 7634

Re: How to respond to request for current salary in an inter

I would say the quickest easiest way to respond with giving them the information they are looking for, but not giving away any information you don't want to, is a response like this
" To answer your salary request, I'm only targeting position in the 80-90k range. "
by Greg17
Wed Dec 11, 2013 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 7634

Re: Windows 8/7

Now that they admit it is a total failure, I wonder what I should do in the mean time? Order Windows 7, and leave this mess behind for $79. Or pay $99 to upgrade to W8 Pro and downgrade to W7, until they fix this mess, hoping the 8 will be greatly improved in a year or two, and I can upgrade back t...
by Greg17
Tue May 07, 2013 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

Now that they admit it is a total failure, I wonder what I should do in the mean time? Order Windows 7, and leave this mess behind for $79. Or pay $99 to upgrade to W8 Pro and downgrade to W7, until they fix this mess, hoping the 8 will be greatly improved in a year or two, and I can upgrade back to...
by Greg17
Tue May 07, 2013 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: The Points Guy

] http://thepointsguy.com/beginners-guide/ If you dig into this, things can get complicated in a hurry - for example how to "effectively" pay for things like mortgages, car payments and tuition bills with a cash back or points earning credit cards via a three step process involving a rewa...
by Greg17
Sun May 05, 2013 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 4095

Re: Windows 8/7

I tried the OS again, and I found a few ways to make it quicker, but I can not get used to it. I am wondering what seems like a better idea? A: Order Windows 7 OS from a online retailer and install on machine. Cost $79 plus possible shipping. B: Upgrade to Windows 8 Pro and then downgrade to Windows...
by Greg17
Sun May 05, 2013 9:03 am
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

Just an update for everyone that may be following this thread. Microsoft told me you have to have a copy of Windows 8 pro from a distributor to downgrade to 7. I called Dell and they want $99 to upgrade to Pro. I messed around with 8 more and found I can get the "jewels" on the side to po...
by Greg17
Sat May 04, 2013 9:57 am
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

Just an update for everyone that may be following this thread. Microsoft told me you have to have a copy of Windows 8 pro from a distributor to downgrade to 7. I called Dell and they want $99 to upgrade to Pro. I messed around with 8 more and found I can get the "jewels" on the side to pop...
by Greg17
Thu May 02, 2013 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

I literally could not figure out how to get anything to work. I had a blank screen and no start button. I moved the mouse around and found nothing. I am pretty computer savvy, and I had a hard time, I can only imagine a very basic user having nightmarish stories. I really think/hope this is a short...
by Greg17
Wed May 01, 2013 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

If you spend 30 minutes on Windows 8 without preconceived notions and an otherwise open mind, you may just learn to like it. The entire layout is so much more efficient than manually searching through a Start menu. Try it out. Search: Windows + Type your query Computer: Windows + E Useful menu: Alt...
by Greg17
Wed May 01, 2013 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

If you have Win 8 pro you can downgrade. See the link below. Here is a portion: Downgrade rights overview "Downgrade rights are an end-user right, documented in the Software License Terms that customers accept upon first running Windows software. Thanks to downgrade rights, end users who have ...
by Greg17
Wed May 01, 2013 2:44 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Windows 8/7

My wife recently bought a new computer and opted to get one with Windows 8. She felt that it was likely to lead to a longer period of time before she would have to replace the computer due to what I call "terminal version skew." She did it in close consultation with me and I think it was ...
by Greg17
Wed May 01, 2013 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Windows 8/7

I recently bought a refurbished laptop. I made the mistake of assuming that it would come with Windows 7, however it arrived with Windows 8. I tried to use the Windows 8 and after an hour I got so frustrated I shut the machine off. Right now I am seeing Windows 7 selling for $79, which then makes th...
by Greg17
Wed May 01, 2013 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 4905

Re: Signing a buyer's broker (real estate) agreement

As a follow up:
viewtopic.php?f=2&t=114267
Do a quick read in this poster's situation(right around post 4). The agent is expecting him to do most of the work. Now imagine you were locked in to a contract with this agent?
by Greg17
Sun Apr 07, 2013 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing a buyer's broker (real estate) agreement
Replies: 24
Views: 1648

Re: What Type Of Wallet?

Has anyone else had to deal with Big Skinny customer service? It has been quite a fiasco. I saw the wallet after a few people recommended them on here.It took two weeks to get here. Upon arriving I notice the stitching is messed up. I call CS, who tells me to email the pictures. I got an email back ...
by Greg17
Thu Apr 04, 2013 4:30 pm
 
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 8055

Re: Signing a buyer's broker (real estate) agreement

We signed an agreement with a buyer's agent (the kind who gets paid out of the commission paid by the seller) when we were looking for our current house. I will never do it again. Your allegiance is to the person who pays you, and if that's the seller the buyer's agent is of no use to the buyer. At...
by Greg17
Mon Apr 01, 2013 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing a buyer's broker (real estate) agreement
Replies: 24
Views: 1648

Re: Signing a buyer's broker (real estate) agreement

My experience was different than greg17's, but if the only advantage this woman can articulate is access to homes before they're on the Multiple Listing Service, she's probably not worth it. Yes, you would be paying her, and probably a percentage of the selling price so her interests would not be p...
by Greg17
Sun Mar 31, 2013 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing a buyer's broker (real estate) agreement
Replies: 24
Views: 1648

Re: Signing a buyer's broker (real estate) agreement

DO NOT DO IT. I ran into a similar situation when I bought my first house, not that long ago. I met with a buyer's agent who wanted me to sign an exclusivity with her. Luckily I thought to myself, what is the advantage to me? None. Long story short, this agent tried to advise me to buy a property wi...
by Greg17
Sun Mar 31, 2013 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing a buyer's broker (real estate) agreement
Replies: 24
Views: 1648

Re: House Appraisal Drops Right before Refinancing

But assessments even if done pretty well are never really for your property. Only rarely does a house get visited and the actual value of sprucing up, landscaping, or negative value of not keeping things up come into play. It definately must vary state to state. I got a call from the town asking to...
by Greg17
Sat Mar 23, 2013 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: House Appraisal Drops Right before Refinancing
Replies: 19
Views: 1591

Re: Marketing Ideas for a Small Business?

Many local businesses here bribe people in exchange for yelp reviews or facebook likes. For one thing, it wouldn't hurt to make sure the business's website is up-to-date and clearly states what the business offers. Also, clearly stating the address is good so that Google knows where the business is...
by Greg17
Thu Mar 21, 2013 8:36 am
 
Forum: Personal Consumer Issues
Topic: Marketing Ideas for a Small Business?
Replies: 18
Views: 1001

Mortgage payment stubs

I bought my house at the end of 2012, and I will be writing off my house for the first time in 2013. I've always shredded the stubs left over from the bills (charge card or utilities) after about 2 months, and checking that everything went through as it should. My question is now that I'll be writin...
by Greg17
Tue Mar 19, 2013 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment stubs
Replies: 4
Views: 426

Re: Giving away a couple of Lexmark printer cartridges

Could throw an ad on Craigslist for a fraction of what they really cost ($20) and them give them away ($0) to the person that shows up. Use the price to keep away people that will take anything for free. That is a technique I have used in the past to give things away. If you put free you get a lot ...
by Greg17
Sun Mar 10, 2013 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Giving away a couple of Lexmark printer cartridges
Replies: 8
Views: 728

Re: Ready to buy a house....

Another thing to watch out for.

Some agents try and get you to sign an exclusivity with them. Don't!

And don't be honest with your time frame, even if you have one. Never say I need buy something in X amount of time.
by Greg17
Fri Feb 08, 2013 10:22 am
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5559

Re: Ready to buy a house....

Have always rented. My wife and I are ready to buy a house. Any hints or thoughts from those who have bought a house? Things you wish you would have known? Would have done differently in hindsight? Good interest rate websites? Buying points? I know this is vague. Any info is appreciated. Thanks Xra...
by Greg17
Thu Feb 07, 2013 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 5559

Re: Need Recommendation on Reading Materials

I am very confused with the current housing market. From what I heard, a lot of foreclosure is happening, however, there is a shortage of inventory in house for sale. How can that be when there are lots of foreclosure going on? Best way to describe why there are so few good valued houses for sale i...
by Greg17
Mon Feb 04, 2013 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Recommendation on Reading Materials
Replies: 3
Views: 340

Re: Best way to improve FICO score?

Through credit karma I have a 768 FICO score. Low credit utilization on 2 cards with an average age of 10 years each. All of my payments have been on-time and I have no derogatory marks. One thing that credit karma dings me for is the number of total accounts being low. I would like to open a no in...
by Greg17
Fri Feb 01, 2013 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to improve FICO score?
Replies: 5
Views: 752

Re: [learning about] Taxes and deductions

I was- I got out two years ago. Thanks, it never hurts to ask (and thanks for your service). I realize you're asking about taxes, but have you considered giving your investments and personal finance situation a check-up? Take a look at the situations in the Investing - Help with Personal Investment...
by Greg17
Fri Feb 01, 2013 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: [learning about] Taxes and deductions
Replies: 24
Views: 1024

Re: [learning about] Taxes and deductions

Just to clarify I was using those two as an example only. I'm sure most years the standard deduction was my best option. My goal of this thread is to be pointed in the right direction so I know for the tax year starting Jan 1, 2013. My research shows me that with a mortgage, now it would make more s...
by Greg17
Fri Feb 01, 2013 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: [learning about] Taxes and deductions
Replies: 24
Views: 1024

Re: [learning about] Taxes and deductions

LadyGeek wrote:
Greg17 wrote:... but I was never asked (example being military move).

Are you US military? There are a lot of things that you should know about. We have a number of members who can help you from that perspective.


I was- I got out two years ago.
by Greg17
Fri Feb 01, 2013 4:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: [learning about] Taxes and deductions
Replies: 24
Views: 1024

Re: [learning about] Taxes and deductions

Do you have some specific examples of ones that you think you've been missing out on? That will let us know how delinquent the CPA has been in reality. Brian The biggest one I've found is education. However, there are other ones that may or may not have worked out for me, but I was never asked (exa...
by Greg17
Fri Feb 01, 2013 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: [learning about] Taxes and deductions
Replies: 24
Views: 1024

[learning about] Taxes and deductions

I've been reading a few topics here, and recently discovered there are some things that you can write off on your taxes I was previously unaware of. This is a bit troubling because I have paid a CPA to do my taxes the last two years and was not told about this. I realize that having a solid knowledg...
by Greg17
Fri Feb 01, 2013 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: [learning about] Taxes and deductions
Replies: 24
Views: 1024

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