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by Greg17
Wed Mar 18, 2015 7:40 pm
Forum: Personal Consumer Issues
Topic: Keeping the change (making saving automatic)
Replies: 15
Views: 1521

Re: Keeping the change (making saving automatic)

leonard wrote:
Greg17 wrote:
cheese_breath wrote:You realize Acorns isn't free?

https://www.acorns.com/fees/


Yes, that's why I was looking for a free alternative.


What's appealing about the complexity of rounding up dozens of charges per month?

Something that is automated. My pay is variable and it is tough to have a set amount every month
by Greg17
Mon Mar 16, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: Keeping the change (making saving automatic)
Replies: 15
Views: 1521

Re: Keeping the change (making saving automatic)

cheese_breath wrote:You realize Acorns isn't free?

https://www.acorns.com/fees/


Yes, that's why I was looking for a free alternative.
by Greg17
Mon Mar 16, 2015 5:05 am
Forum: Personal Consumer Issues
Topic: Keeping the change (making saving automatic)
Replies: 15
Views: 1521

Re: Keeping the change (making saving automatic)

... The catch is- the funds they have are junk.... Really? "All portfolios are constructed using the following six index ETFs: " ◾Vanguard S&P 500 ETF (VOO) " ◾Vanguard Small-Cap ETF (VB) " ◾Vanguard FTSE Emerging Markets ETF (VWO) " ◾Vanguard REIT ETF (VNQ) " ◾PIM...
by Greg17
Sun Mar 15, 2015 10:20 pm
Forum: Personal Consumer Issues
Topic: Keeping the change (making saving automatic)
Replies: 15
Views: 1521

Keeping the change (making saving automatic)

I just saw an ad for a product called "Acorns"- it rounds up any purchase you make on your card to the next dollar abd invests the change. The catch is- the funds they have are junk. I've see a similar product with BOA- but I refuse to do business with them. Has anyone found an alternative...
by Greg17
Tue Feb 17, 2015 8:02 am
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 6245

Re: Not clearing snow from driveway

denovo wrote:Snow becomes water. Is water going to hurt your concrete? No.


That's not completely true. A lot of the potholes (yes, I know it is pavement) is formed when water gets underneath the pavement and freezes and then expands. That can definately happen to concrete as well.
by Greg17
Mon Jan 26, 2015 6:54 pm
Forum: Personal Consumer Issues
Topic: Selling a home - 1st timer
Replies: 26
Views: 2655

Re: Some actions

davebarnes wrote:10. Leave at least 6 minor items for their inspector to find. Be willing to fix those..


What is the purpose of this? To make them feel like their inspection report was worth it?
by Greg17
Fri Jan 23, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: Any art "investors" here?
Replies: 69
Views: 6355

Re: Any art "investors" here?

Nice photo. Points out that prices are on artist's website are not indicative of what stuff sells for on the open market which I think is true for a lot of "artisans". Thanks. The photo on the web does nor convey the subtleties on the area of the bottom of the photo which shows up as pure...
by Greg17
Fri Jan 02, 2015 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1615

Re: How to value travel with a job offer

... I meant- there are costs that just can't be expensed. I.e. if you have a baby sitter or pet sitter you may drive an extra 40 miles to drop off when you normally would not make that trip or small things like that. But, also how do you properly place a value of being away from home- an intangible...
by Greg17
Fri Jan 02, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1615

Re: How to value travel with a job offer

I travel frequently (probably one trip per month on average) and I've never really had any significant personal cost in doing so, so I don't think about it. In fact, since companies usually pay for your meals while traveling, you probably save a bit of money. If the company isn't reimbursing for no...
by Greg17
Fri Jan 02, 2015 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to value travel with a job offer
Replies: 26
Views: 1615

How to value travel with a job offer

I'm wondering how others help calculate this. In circumstances of when looking into job offers- how can I accurately place a value on travel. If a job requires some travel. The company will reimburse expenses- but there is always some expenses that you never can calculate or get reimbursed for. Has ...
by Greg17
Thu Dec 04, 2014 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16839

Re: Giving money to your alma mater: Have to vent

No- I never will for my undergrad. I had a adjunct professor who refused to hold office hours and proceeded to fail half the class (me excluded), and the administration did nothing about the complaints. No one is looking for an easy ride- but if you can't even get a response to a question (even via ...
by Greg17
Sun Nov 30, 2014 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a job hopper?
Replies: 50
Views: 4930

Re: Am I a job hopper?

Job-hopping is an abusive term invented by HR managers to describe at-will employees who suddenly realized that loyalty only goes one way. I'd agree with this. The best way to be underpaid is to stay with the same company. If your industry and experience make your market value 5% higher per year- w...
by Greg17
Thu Nov 27, 2014 10:26 am
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2402

Re: Honor Societies (any point?)

I should also mention that being an unconventional student I am already working and attending school p/t. So I don't see it ever mattering for a resume.
I usually ignore these things, but my school advisor reached out to a few of us- so it put it on my radar and started making me think about it.
by Greg17
Wed Nov 26, 2014 10:28 pm
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2402

Re: Honor Societies (any point?)

DTSC wrote:Depends on how much it costs to join. It never hurts to have a few more letters after your name, if it doesn't cost too much.


$65.
by Greg17
Wed Nov 26, 2014 10:06 pm
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2402

Honor Societies (any point?)

So I'm turning to the BH community hoping to get a straight answer. A little background- I am a non-convential student. Meaning I did not go straight to college straight from HS. I went in the military first, and am finishing my degree now. So my question is- is there any benefit to joining the hono...
by Greg17
Tue Nov 18, 2014 8:17 am
Forum: Personal Consumer Issues
Topic: [Should I] rent out [my] house [for a 3-day event]?
Replies: 68
Views: 7320

Re: [Should I] rent out [my] house [for a 3-day event]?

No, some things in my home money can't replace. $3K is a decent amount of money- but I could also seeing having more than 3K worth of issues.
by Greg17
Wed Nov 12, 2014 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Choices
Replies: 1
Views: 302

401K Choices

Hi everyone, I am running into an issue, and wondering if I can get some info from those that know best before I move in a direction that could be troublesome. I recently became eligible for the 401k at my current employer- and have noticed some issues. Our fund options are very limited- and there i...
by Greg17
Sat Oct 25, 2014 9:03 am
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1180

Re: Security Systems

I called ADT, my security service, and said I was offered a monitoring service at half ADT's price (it's true -- I was) and they immediately gave me about a third off. I decided to stick with them as big player and a known entity. We shopped around before getting the system installed. ADT's price w...
by Greg17
Sat Oct 25, 2014 8:56 am
Forum: Personal Consumer Issues
Topic: Security Systems
Replies: 10
Views: 1180

Security Systems

We have a security system on our house, and although it is a monthly bill, we like the peace of mind it provides when we are at work or away from home. However, I hate overpaying. I feel like our current provider is overcharging us, and we want other alternatives. Since we have a current system in p...
by Greg17
Mon Oct 20, 2014 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Help me clarify withholdings
Replies: 1
Views: 200

Help me clarify withholdings

Hi everyone, I am looking for some help. Last year we got a decent tax refund, and we expect another decent size one this year. I'd rather have more each paycheck- and am now getting around to adjusting it accordingly. I have looked at a few online calculators- but they don't factor in spouses incom...
by Greg17
Sat Oct 04, 2014 7:49 pm
Forum: Personal Consumer Issues
Topic: iPad Air & cellular
Replies: 10
Views: 1113

Re: iPad Air & cellular

I considered this deal but I realized the markup to give you the free data is worth $100 on top of the price of the iPad. The site lists the device for $600 but it retails for $499 from Apple. For $100 extra, you get the 200MB monthly data for the life of the device. I did not find it a good deal f...
by Greg17
Sat Oct 04, 2014 8:12 am
Forum: Personal Consumer Issues
Topic: iPad Air & cellular
Replies: 10
Views: 1113

iPad Air & cellular

Hi everyone, I've been researching a purchase of an iPad for some time now and really curious as to the reality of the free 200 mba of data from t-mobile. From what I am reading I am understanding that if I simply purchase an iPad set up for cellular with T- mobile it will have free 200mb of data fo...
by Greg17
Sat Aug 16, 2014 9:26 am
Forum: Personal Finance (Not Investing)
Topic: YNAB Questions
Replies: 10
Views: 1790

YNAB Questions

I am looking into YNAB to help simplify my finances. I've seen a lot of good reviews here and other places, but had a few questions I was curious about. 1. Can YNAB adjust for variable income. I have two income sources my salary whoch is set, but also get funds that vary month to month. It is almost...
by Greg17
Wed Mar 05, 2014 4:44 pm
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 1
Views: 315

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
Sun Feb 16, 2014 8:35 pm
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2394

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 Jan 19, 2014 9:11 pm
Forum: Personal Consumer Issues
Topic: New Sprint plan
Replies: 0
Views: 274

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
Wed Jan 15, 2014 8:26 pm
Forum: Personal Consumer Issues
Topic: Thermostat adjustments
Replies: 5
Views: 836

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
Mon Dec 16, 2013 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing job offer negotiation (game theory?)
Replies: 13
Views: 992

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
Fri Dec 13, 2013 11:07 am
Forum: Personal Consumer Issues
Topic: Password Management Programs
Replies: 45
Views: 4222

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 1:02 am
Forum: Personal Consumer Issues
Topic: Password Management Programs
Replies: 45
Views: 4222

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 12:57 am
Forum: Personal Consumer Issues
Topic: New email service provider needed
Replies: 58
Views: 4722

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
Thu Dec 12, 2013 10:13 pm
Forum: Personal Consumer Issues
Topic: Need address for deployed servicemember
Replies: 4
Views: 328

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 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 8661

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
Wed Dec 11, 2013 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Job questions please help!!
Replies: 20
Views: 1572

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 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 8661

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 9:54 am
Forum: Personal Finance (Not Investing)
Topic: How to respond to request for current salary in an interview
Replies: 113
Views: 8661

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
Tue May 07, 2013 3:24 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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 2:39 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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
Sun May 05, 2013 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: The Points Guy
Replies: 37
Views: 4230

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 8:03 am
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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
Sat May 04, 2013 8:57 am
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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
Thu May 02, 2013 2:17 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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
Wed May 01, 2013 2:06 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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 1:59 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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 1:44 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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 1:41 pm
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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 11:29 am
Forum: Personal Consumer Issues
Topic: Windows 8/7
Replies: 69
Views: 5237

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
Sun Apr 07, 2013 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Signing a buyer's broker (real estate) agreement
Replies: 24
Views: 1740

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
Thu Apr 04, 2013 3:30 pm
Forum: Personal Consumer Issues
Topic: What Type Of Wallet?
Replies: 90
Views: 9626

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
Mon Apr 01, 2013 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Signing a buyer's broker (real estate) agreement
Replies: 24
Views: 1740

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...

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