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by batpot
Wed May 20, 2015 4:44 pm
Forum: Personal Consumer Issues
Topic: Huge Problem With First Home
Replies: 28
Views: 4778

Re: Huge Problem With First Home

You should have already received a CLUE report for the last 5 years, or the duration they occupied, if less than 5 years. You also should have received a disclosure form, but even if you didn't, the form says the seller's are still required to disclose material facts. https://www.aaronline.com/wp-co...
by batpot
Wed May 20, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Which Credit Card w/ 5% Cash Back Rotating Category is Best?
Replies: 37
Views: 4110

Re: Which Credit Card w/ 5% Cash Back Rotating Category is Best?

I like the Discover card better, because it generally has better deals w/ online vendors for extra cash back above and beyond the rotating categories. I've also used it's price protection feature a few times.
But I have both.
by batpot
Mon May 18, 2015 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: To refinance or not to refinance
Replies: 13
Views: 1162

Re: To refinance or not to refinance

You don't need to accept the 15 year loan. Tell them you want a 13 year loan or if you can afford the payment go to a 10 year loan. Lot of times they they don't tell you that you can create a loan for any duration. I learned something new! I didn't realize you could create yourself a loan for any d...
by batpot
Mon May 18, 2015 1:54 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 40
Views: 3568

Re: No Foreign Fee Credit Card - Exchange Rate

I cancelled the Barclay Arrival+ last month just before the one year anniversary. They didn't ask or pressure me into staying. I would have stayed, but I didn't want to pay the fee. The card was actually enrolled in my wife's name (I had a card too). I wonder if I could do another card in my name a...
by batpot
Mon May 18, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Chasing the Big Dogs
Replies: 16
Views: 2187

Re: Chasing the Big Dogs

So I am 38 with 3.2 M net worth. Thus top 1% until I hit 40 (in a little over 1 year) then drop to top 5%? I find this suspect and difficult to believe. It's to be expected that the brackets will change by age (usually higher amounts as you get older and have time to accumulate). You are squarely i...
by batpot
Sat May 16, 2015 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Chasing the Big Dogs
Replies: 16
Views: 2187

Re: Chasing the Big Dogs

He didn't get into what is/isn't counted...I see some count life insurance?
by batpot
Fri May 15, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting recommendation on where to park my savings.
Replies: 8
Views: 994

Re: Requesting recommendation on where to park my savings.

Moved to Barclays when they were the top a year or more ago.

Now the top is some bank called synchrony at 1.05; Barclays is 1.
I'll stay w/ Barclays.
by batpot
Fri May 15, 2015 1:43 pm
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2118

Re: Free if you sign up (Home Depot card)

As long as I've had it, Shop Discover (or now Discover Deals) has offered at least 5% cash back at homedepot.com. It sometimes goes to 10%, and I've seen it as high as 15% when "home improvement stores" are one of their quarterly categories.
by batpot
Thu May 14, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Will you buy self-driving car?
Replies: 235
Views: 9153

Re: Will you buy self-driving car?

So you are in compliance with the tread depth law in your state, then?
Even if it's not law, driving in rain or snow with bald tires is a major safety concern.

On another topic: Wouldn't a self driving car make liability insurance moot? That would hugely help offset the cost of the purchase.
by batpot
Thu May 14, 2015 4:10 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 1939

Re: ATT next plan - prepayment quandary

How many minutes, and much data do you go through on your cell phones in a given month?

Why not pay them off, then switch to an AT&T MVNO like Consumer Cellular?
Sounds like you'd be going to split billing anyway, so might as well save some money in the process.
by batpot
Thu May 14, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Starbucks Smartphone App Being Hacked
Replies: 6
Views: 567

Re: Starbucks Smartphone App Being Hacked

linking, or using the debit card associated with your bank account is pretty stupid nowadays, when credit cards have zero liability.

There are a few exceptions that have to be made, but I keep those to a minimum, and try to limit the amount of money available in those accounts.
by batpot
Wed May 13, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3953

Re: Brand Loyalty

Charles Tyrwhitt...and there just happens to be a pretty good voucher deal for them from livingsocial right now: https://www.livingsocial.com/deals/1452884-50-or-100-of-menswear-and-accessories coupon code ENVELOPE15 will take another 15% off, so $42.50 for $100 voucher! Corelle! Yes! I still have s...
by batpot
Wed May 13, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: 60W eq. LED bulb deal alert...
Replies: 10
Views: 2105

Re: 60W eq. LED bulb deal alert...

Note that these are NON-Dimmable.
by batpot
Wed May 13, 2015 1:25 pm
Forum: Personal Consumer Issues
Topic: Car insurance ratings
Replies: 7
Views: 657

Re: Car insurance ratings

http://www.badfaithinsurance.org/indexdetaillist.html

Amica does seem to be at the top of every list, but for me, it wasn't worth the premium.
Will re-evaluate next year.
by batpot
Tue May 12, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: I Hate Vacations
Replies: 113
Views: 9116

Re: I Hate Vacations

you can't find something you enjoy doing while not having to think about work?
you suck at vacations
by batpot
Thu May 07, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: AQUAPEX, a good idea ???
Replies: 8
Views: 720

Re: AQUAPEX, a good idea ???

After finding a 2nd pin hole leak in a hot water copper line, I'm contemplating a full tear out in favor of pex.
Thankfully both have been in the basement
by batpot
Thu May 07, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: why is my android phone full?
Replies: 7
Views: 995

Re: why is my android phone full?

That is pathetic.
What phone do you have?

I have a rooted galaxy s4 running cyanogenmod; misc files are a paltry 11.28mb.
by batpot
Tue May 05, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: What happens to mortgage when house is willed to non-spouse?
Replies: 22
Views: 2155

Re: What happens to mortgage when house is willed to non-spouse?

This happened to me when my dad died. I was the only child, I was deeded the house (via beneficiary deed), but he still owed on the mortgage, and had an open line of credit against the house. Luckily, he was prepared, and had me listed as beneficiary on all his accounts, which I had no problem trans...
by batpot
Mon May 04, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 5
Views: 671

Re: New phone considerations for Consumer Cellular

Got one of these on the pre-pre-order for $200: https://www.androidheadlines.com/2015/05/featured-review-alcatel-onetouch-idol-3.html Hitting all the right notes, but would much prefer a ~>2ghz quad core rather than the wimpy 8-core they stuffed in here. I think i can live with it, though, and the o...
by batpot
Wed Apr 29, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: [get music from a smartphone to an old car stereo]
Replies: 14
Views: 1009

Re: [get music from a smartphone to an old car stereo]

FM transmitters suck, and if the tape adapter isn't doing it for you either, you'll need a new car stereo with a USB or 3.5mm input jack (the USB will keep your device powered, too).
by batpot
Wed Apr 29, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: 25 year old baseball cards and coins worth anything?
Replies: 16
Views: 3206

Re: 25 year old baseball cards and coins worth anything?

I went through a baseball card phase as a kid...maybe a slightly later era; anybody remember when Upper Deck came out? This card was supposed to be able to fund my college! :mrgreen: http://sports.cbsimg.net/images/mlb/photogallery/griffeyjrrookiecard.jpg good memories...I had many of these: http://...
by batpot
Fri Apr 24, 2015 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1415

Re: what should MIL do with "windfall"?

What windfall? If she had downsized appropriately, there'd be a windfall. She has a choice between "way too much house" or way too much house and way too much mortgage. I'm old fashioned and debt phobic, but reasonable people think it's a great idea to not enter retirement with a big, or ...
by batpot
Fri Apr 24, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1415

Re: what should MIL do with "windfall"?

What do you mean "dump it into the new house"? Frivolous upgrades or needed maintenance? Something else? Is she all set for retirement (could be true even if not maxing out ROTH), has a negative net-worth, something in between? Your question is totally lacking in enough detail to answer. ...
by batpot
Thu Apr 23, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: what should MIL do with "windfall"?
Replies: 12
Views: 1415

what should MIL do with "windfall"?

In short: she bought way too much house, but sold her old one for a good profit. She wants to dump it all into the new house, but I think it can be used way more effectively. She's 59, and plans to continue working until 65. The proceeds from the sale are roughly double her annual take home, and the...
by batpot
Thu Apr 23, 2015 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Alliant Credit Union Promo $50 Checking/$100 Auto Loan
Replies: 4
Views: 482

Re: Alliant Credit Union Promo $50 Checking/$100 Auto Loan

I've never seen any bank or credit union auto loan rates beat the incentive offers from dealerships (e.g. 0-1%); $100 isn't worth it.

And Chase has been offering $150 for checking accounts for a while, and there's ways to get even more:
http://www.hustlermoneyblog.com/chase-coupons/
by batpot
Thu Apr 23, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 40
Views: 3672

Re: Inherited farmland: Should we sell or keep?

I kept:
there was a trust, and each of us got own our own piece
a family member farms it, he'd been farming it for years, and had always paid my grandfather rent, so basically the only change to him was who he was paying
it should remain cash positive for the foreseeable future
by batpot
Thu Apr 23, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you pay in Property Taxes?
Replies: 188
Views: 10986

Re: How much do you pay in Property Taxes?

Seattle, less than 0.8% of appraised value (based on recent refi), but right at 1% of the county's "appraised value" used for taxes.

Have always heard this area is a tax hell, but this thread helps put things in perspective.
by batpot
Thu Apr 23, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3356

Re: Your homeowner and auto insurance annual rate increases?

Just switched from AllState, who I've been with for years, to SafeCo. I'm getting more coverage, added an umbrella policy, and still saving a few bucks for 3 cars, home owners, and landlord. Like you, Amica was way higher. They're generally considered the *best* insurance company, though; sometimes ...
by batpot
Wed Apr 08, 2015 7:20 pm
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 3887

Re: Microsoft's Surface 3- anyone considering?

The bloatware is added by 3rd party vendors; accordingly, the Surface line is free of it.

But this thing is way too expensive for the specs; it's an Atom CPU, not even an i3!

Personally, if it has windows, it needs more power; otherwise, a chromebook will suffice.
by batpot
Mon Apr 06, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 512
Views: 77360

Re: Boglehead Beer

I have a new top 5 beer. It's just phenomenal. Breakside Brewing IPA. Been around a bit, but I had never tried it. On tap in the Couve at Gustav's for $3 for an imperial pint (or something - bigger than a pint). Available in the bottle in WA, OR, and HI, and of course on tap at the brewery on Dekum...
by batpot
Thu Apr 02, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 3112

Re: The Credit Card Game

Get a 2% card and not worry about it anymore? Black out dates, being restricted to a single airline, and other restrictions don't seem worth the hassle. This is something for the crazy coupon cutter to do in retirement when all of their travel is flexible and they have much free time. This. I dropp...
by batpot
Thu Apr 02, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 9458

Re: Whats a good Pistol to buy?

SigPro.
http://www.sigsauer.com/CatalogProductD ... p2022.aspx

I hate Glock ergos, and especially hate their trigger reset; taking them down is no fun either.
They're like the AK-47 of plastic handguns: ugly, but highly functional.
by batpot
Thu Apr 02, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Amazon.com Goes Retro (1999) for April Fool's
Replies: 18
Views: 2328

Re: Amazon.com Goes Retro (1999) for April Fool's

Sep 18th, 1999: "Data Structures & Algorithms in Java with CDROM (Mitchell Waite Signature)" ...it's still available:
http://www.amazon.com/gp/product/157169 ... UTF8&psc=1

That class made me NOT become a software developer. :|
by batpot
Mon Mar 30, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1995

Re: Ad Blockers

I use No Script for Firefox, and use that as my primary browser. It allows you to allow certain domains, either permanently or temporarily, but many, many shopping websites have so much crap running behind the scenes that the sites become crippled. Therefore, I also use Chrome, but only for short pe...
by batpot
Sun Mar 29, 2015 11:03 pm
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4560

Re: Best laptop under $1000

Pretty hard to beat this deal: http://slickdeals.net/f/7760329-hp-spectre-x360-touch-laptop-i5-5200u-128gb-ssd-13-3-1080p-800-free-shipping ...emphasis on portability - no DVD drive, but excellent features and build quality. But Broadwell processors are going to be more powerful and power efficient ...
by batpot
Fri Mar 27, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 899

Re: Opinions on SafeCo?

Both independent broker's I'm now working with have expressed that rates will only go up. I've finally reached the realization that you HAVE to re-check every few years. The really hard decision is whether it's worth paying the premiums for a company with a great reputation like Chubb or Amica. This...
by batpot
Fri Mar 27, 2015 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3243

Re: The Financial Implications of Moving in Together

When my wife was just "the girlfriend" everything was separate; we figured out her share for the repeating monthly expenses, and she paid me monthly for it. We'd split shared expenses as they came up, such as taking turns paying for groceries or dining out, and didn't worry too much about ...
by batpot
Fri Mar 27, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3243

Re: The Financial Implications of Moving in Together

Aren't you saving money right off the bat by paying only 1 rent instead of 2? The bigger concern is finding out whether you're truly compatible; there's no better test than living together for a while. Yeah, there's financial implications in there, but that's only a piece of figuring out how to you'...
by batpot
Fri Mar 27, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 899

Re: Opinions on SafeCo?

I am an insurance lawyer for nearly 30 years. I've seen Safeco be unreasonably stingy for years with no regard for their insureds. Buyer beware is an understatement. The two best companies are Chubb and Amica imo. Of the largest players I'd go with State Farm. USAA is terrible now. Check the class ...
by batpot
Fri Mar 27, 2015 10:52 am
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 680

Re: Anyone has OnePlus One phone purchase invite to share?

I saw a great deal on slickdeals for a LG G3 for $209 on ebay. I think you may have better support with an LG. that would have been the G2, and it actually hit $190 a few days ago: http://slickdeals.net/f/7747445-32gb-lg-g2-5-2-quad-core-android-unlocked-smartphone-190-free-shipping ...I almost pul...
by batpot
Thu Mar 26, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 680

Re: Anyone has OnePlus One phone purchase invite to share?

TheGreyingDuke wrote:Not sure if this is still true but as of a few weeks ago they were issuing invites to anyone each Tuesday.


still true as of 2 days ago.
by batpot
Thu Mar 26, 2015 12:46 pm
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 899

Opinions on SafeCo?

Been with AllState for years, and have done some random shopping around, but nobody has been able to come close to their rates. Met with a local insurance broker, and SafeCo killed the competition. There's a pretty significant discount on their auto insurance if you sign up for AAA, so $57 will save...
by batpot
Thu Mar 26, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 25
Views: 2301

Re: Worth buying a smart phone if you already have one for w

If you don't need to talk much, get a tablet; you'll quickly appreciate the extra real estate. There are a multitude of budget MVNO carriers nowadays, many cheaper than even Straight Talk, but it sounds like you don't even need a data plan, especially since wifi is almost always available, and if it...
by batpot
Wed Mar 11, 2015 3:38 pm
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 5
Views: 671

Re: New phone considerations for Consumer Cellular

Lots of phones, lots of choices. I got the 2014 Moto-X and it's been a good phone. I like the size, but the newer one has gotten bigger and not for me. Also, Google sold Motorola to Lenovo and I can't say if the phone is as good as the previous X. I'd check it out though. Do you know whether the 20...
by batpot
Wed Mar 11, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: 13 PMI payments in a year?
Replies: 3
Views: 575

Re: 13 PMI payments in a year?

Thanks.
Yes, I've been watching the escrow account closely, but only for the last couple months. They did some very strange things, but the numbers worked out.
by batpot
Wed Mar 11, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 5
Views: 671

New phone considerations for Consumer Cellular

The GPS on my Galaxy S4 has crapped out. Shopping for a replacement phone; budget is under $250. Requirements: Rootable Unlocked; want it to work outside of just AT&T Fit easily in my pocket (not hugely bigger than Galaxy S4) 4G LTE Micro-SD expansion is highly preferred Compatibility with Cyano...
by batpot
Tue Mar 10, 2015 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card "Benefits" that really mean something
Replies: 13
Views: 2301

Re: Credit Card "Benefits" that really mean something

I've used the price protection feature of my discover card a few times, and it was very easy.
by batpot
Tue Mar 10, 2015 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: 13 PMI payments in a year?
Replies: 3
Views: 575

13 PMI payments in a year?

I closed on a refi in April 2013, but the first payment wasn't due until May 1st. As reported on my 2013 1098, I made 7 PMI payments...one short of the expected 8, counting each month from May to December. My 2014 1098 is reporting 13 PMI payments, which might only make sense if they screwed up and ...
by batpot
Fri Mar 06, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 53
Views: 5507

Re: Proactively replace water heater?

As others have said: assess your risk tolerance. I proactively replaced mine because it did not have a drip pan, it sat inside the house on laminate flooring, I had steel pipes, and the outlet pipe was looking really bad. Cost ~$500 for the tank, and ~$900 for labor, but the high labor was partially...

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