Search found 780 matches

by an_asker
Fri Aug 28, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance suggestion needed from the Maths wizards :)
Replies: 14
Views: 878

Re: Refinance suggestion needed from the Maths wizards :)

psychoslowmatic wrote:If you plan to pay it off in 3 years, how about a 5/1 arm?

Third federal offers some $295 closing cost loans, mostly ARMs but they do have a 10 year fixed at 2.99%

I suggest Penfed's 5/5 ARM, currently at 2.875%.
by an_asker
Fri Aug 28, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Vacations this Year?
Replies: 28
Views: 1044

Re: Vacations this Year?

Summer's coming to an end but my children are still young and haven't started school yet so we take our vacations in early to mid September. It's the best of time of year here in New England for vacations. The weather is as good as it gets with warm days, cool nights and low humidity. All of the at...
by an_asker
Tue Aug 25, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Zero Percent for 60 months or $2000 Cash Back
Replies: 12
Views: 1817

Re: Zero Percent for 60 months or $2000 Cash Back

VAinvestor001 wrote:If I offer you a CD of ~6.6% for 5 years, will you take it? if yes take the cash bonus... [...]

You need to clarify that CD offer - it is not 6.6% annual - it is a CD for five years with total interest of 6.6%. There is a big difference.
by an_asker
Tue Aug 25, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: VWO seems cheap right now
Replies: 173
Views: 24867

Re: VWO seems cheap right now

First response on this thread (from 2013) ... I own lots of VWO and purchased some as recently as 9/30 at $40.17 with a windfall at the end of the quarter. However, the last RBD (Really Bad Day) was back in June when it could be purchased for under $37. $40.71 seems too high to me. My advice: Wait f...
by an_asker
Sat Aug 15, 2015 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage experts: Need some advice
Replies: 21
Views: 1556

Re: Mortgage experts: Need some advice

First off, good work on 100K in retirement account at age 26. As far as lowering mortgage payment? Yeah, sell your house and get a cheaper home. What town in TX are you in? +1! I would think that 340k+ would get you a mansion in most places in TX. Don't start this. There was already a thread by the...
by an_asker
Sat Aug 15, 2015 9:49 am
Forum: Personal Consumer Issues
Topic: Smartphone woes
Replies: 12
Views: 1756

Re: Smartphone woes

jane1: I did not even have to go through any activation - which is what I was assuming in the first place, which is why the activation screen threw me off, especially as no other buttons appeared to be enabled!! BTW, I loved the phone and got another one just as "insurance" :-) It is an un...
by an_asker
Fri Aug 14, 2015 11:36 pm
Forum: Personal Consumer Issues
Topic: Smartphone woes
Replies: 12
Views: 1756

Re: Smartphone woes

OK, the first response on this site appears to work ... let me see if it continues to work :-)

http://forum.xda-developers.com/showthr ... ?t=2522646
by an_asker
Fri Aug 14, 2015 11:30 pm
Forum: Personal Consumer Issues
Topic: Smartphone woes
Replies: 12
Views: 1756

Smartphone woes

So I got a new really inexpensive smartphone. Per the ad, it is a Verizon no-contract phone. I thought it was just the thing for me - I could bring it home and use it with the home WiFi as a surrogate to my laptop. However, it appears that what I had imagined was too good to be true. The phone needs...
by an_asker
Fri Aug 14, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage experts: Need some advice
Replies: 21
Views: 1556

Re: Mortgage experts: Need some advice

4nursebee wrote:First off, good work on 100K in retirement account at age 26.
As far as lowering mortgage payment? Yeah, sell your house and get a cheaper home.
What town in TX are you in?

+1! I would think that 340k+ would get you a mansion in most places in TX.
by an_asker
Wed Aug 12, 2015 1:06 pm
Forum: Personal Consumer Issues
Topic: Creating alerts for multi-city air travel
Replies: 3
Views: 352

Creating alerts for multi-city air travel

Folks, do you know of a good website where I can create alerts for multi-city air travel? Kayak does not and neither do Orbitz or Skyscanner - these are the ones I have used most in the past to research air travel. Also, even in Kayak, I cannot go six legs on a multi-city itinerary. Thanks in advance!
by an_asker
Tue Aug 11, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Car Steering shakes when I put on Brake
Replies: 41
Views: 2475

Re: Car Steering shakes when I put on Brake

Fascinating how we cannot give medical advice here, but we can give auto advice which has similar life-threatening implications.... +1! Financial advice could also have life-threatening (or at least, 86ing one's quality of life) implications. One of my favorite uncles has gone into severe depressio...
by an_asker
Tue Aug 11, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Accept job offer or no?
Replies: 24
Views: 3096

Re: Accept job offer or no?

[...]Meddling women sticking their noses where they don't belong.[...] I would definitely not last too long in a company, let alone in a top role if I were to make a non-PC statement like that (even though it might be 100% correct). So, you might want to be more careful at the workplace, which you ...
by an_asker
Fri Aug 07, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Paris Itinerary questions
Replies: 33
Views: 1674

Re: Paris Itinerary questions

Based on the replies I've received I should probably explain more. We are leaving August 28 and returning Sept 12. I have been to Europe before and spent a couple of days in a few cities and a week in Budapest. I completely understand that Paris is amazing and we could spend an infinite amount of t...
by an_asker
Wed Aug 05, 2015 8:51 am
Forum: Personal Consumer Issues
Topic: I want to stop paying for Bright House cable modem
Replies: 23
Views: 1278

I want to stop paying for Bright House cable modem

Though I am in the IT field, I am ashamed to admit that I am not too good with the hardware aspect of it. For the last year, I've been quietly paying the $4 per month charge (plus taxes) that Bright House started charging last July for "renting" the cable modem. How do I get free of this c...
by an_asker
Fri Jul 31, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: CVS Minute Clinic vs. Doctor Office billing practices?
Replies: 6
Views: 706

Re: CVS Minute Clinic vs. Doctor Office billing practices?

More importantly, I am wondering why you went to the pediatrician for an issue that the PA at CVS addressed adequately (albeit for a different kid)?

And would you have done so if you had HDHP instead of HMO - difference of $79 vs $160 compared to $21 (or was it $0?) vs $25 ...
by an_asker
Fri Jul 31, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Food safety - broken refrigerator
Replies: 20
Views: 1124

Re: Food safety - broken refrigerator

Butter, jam - absolutely no problem. We grew up in a household that did not have a fridge until I was a teenager. On the following, I am saying what I would do, but in your case, I would defer to expert opinion. Salad dressings should be OK. Frozen vegetables - should be OK if you can microwave/boil...
by an_asker
Fri Jul 31, 2015 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Appraisal Higher than Accepted Offer Price
Replies: 21
Views: 2017

Re: Appraisal Higher than Accepted Offer Price

livesoft wrote:I cannot tell if you are the seller or the buyer. :)

+1! :oops:
by an_asker
Thu Jul 30, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Infrequent patient value to PCP (primary care physician)?
Replies: 4
Views: 561

Re: Infrequent patient value to PCP (primary care physician)?

This capitation fee, I am assuming that it is not applicable for HDHP cases, am I right?
by an_asker
Wed Jul 29, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 43
Views: 2801

Re: Mandatory vehicle collision avoidance systems are coming

The robotic cars are coming! In 10 years I predict: 1. There will be no more taxi drivers, truck drivers, DMV, or traffic lights/regulations. 2. People won't even own cars anymore (no more car loans or dealerships). All cars will be owned and operated by centralized taxi services. If you want to go...
by an_asker
Mon Jul 27, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3414

Re: How long until a $10,000 loss matters?

How long.... Since July 20th Probably a little longer than 7 days! Come on now. Were you bored and just felt like posting? :wink: I think livesoft overshot a little there, but you have talked about a $1 million portfolio. Ten thousand really concerns you??? Maybe stop watching the portfolio on a da...
by an_asker
Fri Jul 17, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Medicare Rx at Costco
Replies: 8
Views: 701

Re: Medicare Rx at Costco

I am a few years away from Medicare, but I do find it strange that OP's wife cannot even pay full cash price (minus coupon of course) for her purchase. The links don't appear to say that that would be illegal (unless I am slipping in my reading comprehension!). The government's logic that, if the pr...
by an_asker
Wed Jul 15, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6959

Re: I tipped 15% and got a dirty look

I am from Switzerland, where they got rid of the tipping system and implemented a service charge included in the food/drink price when I was a kid. So from that time on, waiters would get their share no matter how bad the service was. The argument at the time was," why should an attractive you...
by an_asker
Mon Jul 13, 2015 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 46
Views: 10586

Re: Totally Stressed. Husband lost job.

when this first happened i was working p/t 15 hours a week - luckily i have a FANTASTIC boss and he gave me as much hours as i wanted, so i was able to put in about 28+ hours a week. Then i also got my name in the school system as a para so the entire school year i was working 2 jobs plus p/t at Ma...
by an_asker
Fri Jul 10, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 11
Views: 1044

Re: Fraudulent charges on two separate credit cards

Rupert: "Think about places, especially retail/restaurants establishments, on-line stores, where you use both of those cards." I last used one of the two credit cards back in 2009! BTW, I didn't have to let the credit card companies know. They sent me e-mails asking if the charges were val...
by an_asker
Fri Jul 10, 2015 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges on two separate credit cards
Replies: 11
Views: 1044

Fraudulent charges on two separate credit cards

As it never happened to me before, I have not done much research on this before. Plus, if it was just one credit card, I assume that I would not be worrying about it too much. This could be either through the Target leak or the Anthem leak - is the latter scenario scarier for me, as that might indic...
by an_asker
Mon Jun 08, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: close friend found out how much I have - bad outcome
Replies: 92
Views: 9984

Re: close friend found out how much I have - bad outcome

mptfan wrote:
keystone wrote:My friendship with this individual would have ended right after the awkward rant.

I agree.

+1!

OP, would you mind sharing how it happened that friend came to learn about all this?
by an_asker
Tue Jun 02, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 6520

Re: Heads up on a great CC promotion (Chase Freedom)

My credit score is worth more than chasing offers. Already got a mortgage on a house. Already have a car loan. Am married. I cannot think of any other reason to ensure that my credit score is near the top, can you? In short, I couldn't care less about my credit score. Too bad I already have the Cha...
by an_asker
Fri May 29, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 2043

Re: Best way to learn tennis for adult

[...]The problem with the racquet sports is that you need an opponent.[...] Like I said, not for racquetball. The wall is your first (and untiring) opponent. You can work up a sweat in ten minutes of bashing the ball against the walls. OP: Do note that racquetball and tennis don't go hand in hand. ...
by an_asker
Fri May 29, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Best way to learn tennis for adult
Replies: 29
Views: 2043

Re: Best way to learn tennis for adult

Thanks for the replies. Tennis was not my first pick. The reason I choose tennis is the proximity to my home. I went to badminton for 2 weeks with friends at work. Predominantly Asian crowd but a very enjoyable game and I seem to like the effort needed for the game vs time. I think raquet ball fall...
by an_asker
Fri May 29, 2015 2:09 pm
Forum: Personal Consumer Issues
Topic: Selected photos of 3-week bicycle ride around the Italian Lakes
Replies: 35
Views: 3231

Re: Selected photos of 3-week bicycle ride around the Italian Lakes

Thanks for posting this. At this time I have not looked at the photos yet, I will. [...]I saw Iitaly as a polluted country where you could smell car exhausts in Milano, Malpensa airport was always full of dense fog that caused many delayed fights. Italy did not compare well to USA. Happy to work an...
by an_asker
Fri May 29, 2015 12:43 pm
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 152
Views: 10631

Re: Stemikger "Volatility is far from synonymous with risk."

Volatility is far from synonymous with risk. Stemikger (and others): I would appreciate your explanation which will be educational for us all. Thank you and best wishes. Taylor Didn't read the entire thread. I'm not Stemikger ... or the Buffett. With those disclaimers out of the way ... To me, vola...
by an_asker
Fri May 29, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17888

Re: Aren't we overdoing electronic auto safety features?

[...]Lane departure IMO is pretty good unless you're never tired when you drive. Then it's just whatever. I am not speaking about others but 99% of the time, I drive my car when I am not tired (read sleepy). That said, need to relate this incident. A few years back, we were in CA - spent the day in...
by an_asker
Thu May 28, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 17888

Re: Aren't we overdoing electronic auto safety features?

I've missed something here - how does the smart car determine that Elvis has left the freeway? And if so, how does it figure out the speed limit on the surface streets?
by an_asker
Wed May 27, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 23
Views: 1891

Re: Tips for extended European Trip

stan1 wrote:[...]Eastern Europe is still somewhat of a cash economy. [...]

Berlin definitely was, as I found out to my displeasure back in November, and I would suspect most of Germany is as well.
by an_asker
Tue May 26, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7582

Re: Once in a life time trip.

Where do you take 2 kids ( 8 year of age) on a vacation that they will never forget? Assuming you have saved 20K for this trip and 2 weeks. Need more information about kids - gender, likes, compatibility (whether one likes what the other hates) etc. Also, depends on adults' tastes as well. Surely, ...
by an_asker
Tue May 26, 2015 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Dispute a credit card payment or not
Replies: 23
Views: 2194

Re: Dispute a credit card payment or not

It sounds like they swindled you out of $100, so there is a very clear cut case for a dispute. (And of course you don't need to return the item. You are asking for $100 to be made whole, not $400.) Unfortunately, it seems you didn't preserve a copy of the offer, so may not be able to prove it. Swin...
by an_asker
Mon May 25, 2015 12:26 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11652

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

I can see OP's hurt feelings, but I can also see the point of view of those being critical of him. Perhaps you are referring to the first post on the second page of the comments, which is a completely different person to the first post on the first page of the comments ? :oops: Yup. Looks like I wa...
by an_asker
Fri May 22, 2015 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4921

Re: Not able to max out all the retirement accounts

Reading share your net worth progression post makes us very nervous about our retirement accounts. We were just too heavy in real estate before we found this site. Rule #0 of Bogleheads: Do not compare your net worth with other Bogleheads. Depression will ensue! :oops: +100 OP, thank you for being ...
by an_asker
Fri May 22, 2015 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4921

Re: Not able to max out all the retirement accounts

[...] On top of my head. 2K mortgage piti $200 gas and electric $60 water and trash $800 groceries, formula, and lunches and dine out. $50 vehicles maintenance $200 gasoline $160 car insurance $1200 daycare $40 cell phones $30 internet $50 home warranty $50 medication and supplies $150 other misc. ...
by an_asker
Fri May 22, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4921

Re: Not able to max out all the retirement accounts

yellowgirl wrote:
therivler1 wrote:~100K. HCOL area (DC suburbs). single dad with full custody of two kids.

your expenses are a bit high. post your monthly expense breakdown


More than 60% of our expenses are mortgage 2K and 1.2K for daycare.

I am with therivler1. Please post the breakup of the 5k per month.
by an_asker
Fri May 22, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4921

Re: Not able to max out all the retirement accounts

yellowgirl wrote:Reading share your net worth progression post makes us very nervous about our retirement accounts. We were just too heavy in real estate before we found this site.

Rule #0 of Bogleheads: Do not compare your net worth with other Bogleheads. Depression will ensue! :oops:
by an_asker
Fri May 22, 2015 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 34
Views: 3665

Re: Penfed 0.99% auto loan

I currently have a $1000 certificate with Penfed so I can keep the 5% gas rebate Penfed card. Are you saying that if I took out an auto loan with Penfed that could replace the $1000 certificate to qualify for the card and I can liquidate that? You would have to first buy that car, Truecar or not! ;-)
by an_asker
Fri May 22, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11652

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

I can see OP's hurt feelings, but I can also see the point of view of those being critical of him. Back in my school days, as part of our English text, we had a short story "A spark neglected burns a house" where a small misunderstanding between two neighbors ended up with one of the house...
by an_asker
Thu May 21, 2015 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Don't come to Europe with a new chip and sign credit card
Replies: 62
Views: 10777

Re: Don't come to Europe with a new chip and sign credit car

Naismith wrote:
Will do good wrote:Does anyone know which issuer in the US that offers Chip and PIN?


Barclay Arrival+ Mastercard.

My Barclay Arrival+ Mastercard was DOA in Paris and Berlin last November. I used the swipe and sign Capital One Mastercard instead - looks like this thread has come a full circle now! :oops:
by an_asker
Thu May 21, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Help needed - Trip to Geneva and Paris this summer
Replies: 10
Views: 585

Re: Help needed - Trip to Geneva and Paris this summer

We will be landing in Geneva, the morning of 30th June and heading back to the US from Geneva on the morning of 7th July. Here is our preliminary plan. So long as we get to spend three days in Paris, we are totally open to anything that we need to do while based in Geneva for the rest of the time. ...
by an_asker
Thu May 21, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 81
Views: 11652

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

[...]My landscaper and I accepted fault and put it back the way it was. I said he was being unreasonable about the whole thing based on what was common in the neighborhood. Now we are only 1 of two houses out of 40 that don't have connecting beds around the utility boxes. It just plain looks DUMB! ...
by an_asker
Thu May 21, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1307

Re: Mortgage Payoff Calculation? Help!

Just want to say thanks, I never knew about the windows calculator either! I have previously used a generic excel amortization schedule that has a column for extra payments. You can change the loan amount to whatever your current balance is and then work backward to find out how many months are lef...
by an_asker
Thu May 21, 2015 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Payoff Calculation? Help!
Replies: 19
Views: 1307

Re: Mortgage Payoff Calculation? Help!

I use the calculator built into windows for this exact problem. Start the calculator, click on View->Worksheets->Mortgage. Select the drop down and click on Term (years). I use the current mortgage balance as the "price", 0 for the "down payment", and put in the interest rate an...
by an_asker
Wed May 20, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1472

Re: Do most folks pay for trips before going (India)

Wake up time. Many young people in India who are not rich by any means use credit cards to purchase groceries. On your next trip walk in a reliance or Star Bazzar store you will see 50% of customers using Credit cards. as for trips to Europe, some companies pay for your vacation, other pay for your...
by an_asker
Wed May 20, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do most folks pay for trips before going (India)
Replies: 13
Views: 1472

Re: Do most folks pay for trips before going (India)

Well, I was poor in India and thought that I will be rich when I will come to US. I came to US and I still felt poor. Then I thought that I will act/feel like rich when I will go to India on short trips (you know, dollar conversion etc.). Guess what, I never felt so poor on couple of India trips. T...

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