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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
Mon Mar 30, 2015 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 34
Views: 1541

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
Sun Mar 29, 2015 11:03 pm
 
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4129

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 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 805

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 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3020

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 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Financial Implications of Moving in Together
Replies: 59
Views: 3020

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 11:24 am
 
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 805

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
Fri Mar 27, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 603

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 2:25 pm
 
Forum: Personal Consumer Issues
Topic: Anyone has OnePlus One phone purchase invite to share?
Replies: 7
Views: 603

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 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Opinions on SafeCo?
Replies: 7
Views: 805

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
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: 2035

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 3:38 pm
 
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 4
Views: 478

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 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 13 PMI payments in a year?
Replies: 3
Views: 542

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
Wed Mar 11, 2015 12:32 pm
 
Forum: Personal Consumer Issues
Topic: New phone considerations for Consumer Cellular
Replies: 4
Views: 478

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 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card "Benefits" that really mean something
Replies: 13
Views: 2151

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
Tue Mar 10, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: 13 PMI payments in a year?
Replies: 3
Views: 542

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...
by batpot
Fri Mar 06, 2015 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Proactively replace water heater?
Replies: 49
Views: 4481

Re: Aruba in April

Our worse vacation. Arubans are not tourist friendly. They shut down on Sundays BTW. Funny, I'd agree with your on the first point, but not the 2nd. I found the people there to be among the most pleasant...but that may have been because we stayed in a condo in Savaneta, and not in the touristy area...
by batpot
Fri Mar 06, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Aruba in April
Replies: 10
Views: 666

Re: What video games are you currently playing?

Just got Trainyard on the Amazon App Store when it was free a couple days ago.
Beat the primary levels; a few of the bonus ones are tough.

Really wanted to play Bioshock Infinite but afraid of the commitment. Never finished Skyrim.
Will probably go through Portal 2 again next free/crappy weekend.
by batpot
Wed Mar 04, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 10844

Re: Has Consumer Cellular Discontinued Roaming?

Their coverage map doesn't seem to have changed; it's still identical w/ AT&T's: https://www.consumercellular.com/Map http://www.att.com/maps/wireless-coverage.html Contrast that w/ AT&T's Go Phone map, which shows no roaming. I guess the only way to know for sure is to travel to one of the ...
by batpot
Wed Mar 04, 2015 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Has Consumer Cellular Discontinued Roaming?
Replies: 21
Views: 2049

Re: Archival CD - MDisc

You need redundancy; M-Disc won't survive a fire.

Get or build a NAS (http://en.wikipedia.org/wiki/Network-attached_storage), configured with redundancy, using something like ZFS or RAID-5, and Cloud the really important stuff.
by batpot
Mon Mar 02, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Archival CD - MDisc
Replies: 25
Views: 1460

Re: Oil & Vinegar

I've got nothing to contribute, but posting here will make this thread easier to find in the future.
:sharebeer
by batpot
Mon Mar 02, 2015 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4088

Re: Consumer Cellular increases Minutes, Texts, & Data

Nice...should provide a good data buffer for us. The new 4gb level might come in handy too!

With our phone numbers on Google Voice and the Hangouts dialer, 250 minutes should be plenty. We've never even come close to 600, so I think we're going to save that $5/mo.
by batpot
Mon Mar 02, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular increases Minutes, Texts, & Data
Replies: 14
Views: 935

Re: Free TaxAct software

Ultimate is still $12...includes state
http://www.bogleheads.org/forum/viewtop ... 1&t=157656

I'd be weary of the online site...they could be hacked like turbotax.
by batpot
Tue Feb 10, 2015 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxAct software
Replies: 20
Views: 1446

Re: Rent or sell townhome

Monthly mortgage: $1400 HOA:$190/month , additional tax (Mello Roos):$285, property tax: $415 Potential Rent per month: $2200 Are you paying the HOA, or is the tenant? Are the taxes in addition to the mortgage? You have no escrow? What about the cost of the land lord insurance policy? Based on this...
by batpot
Tue Feb 10, 2015 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rent or sell townhome
Replies: 18
Views: 1154

Re: Barclaycard Arrival Plus

The 10% back in used points effectively makes this card earn 2.2% on all purchases.

The Citi Double Cash card unfortunately charges foreign xfer fees.

Capital One has no foreign xfer fees, but won't have chip & pin until later this year: http://www.capitalone.com/credit-cards/chip-cards.
by batpot
Tue Feb 10, 2015 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclaycard Arrival Plus
Replies: 23
Views: 2031

Re: Best laptop under $1000

pretty hard to beat this deal: http://slickdeals.net/f/7650082-dell-15-6-touch-laptop-i5-5200u-6gb-ddr3-1080p-1tb-hdd-7-tablet-650-free-shipping You can spend more on an i7 CPU and 8gb or more of RAM, but I doubt you'd even notice a difference. Personally, I'm waiting for the skylake CPUs to start h...
by batpot
Mon Feb 09, 2015 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Best laptop under $1000
Replies: 41
Views: 4129

Re: 1099-R from Mega Backdoor Roth IRA

Exactly the same issue here.
If I'm not mistaken, had 2a been left BLANK, it would be "correct".

I plan to treat it as if it's taxable, and leave it at that.
Get your 5948 handy in case of an audit, though I doubt the IRS would audit you for paying too much? :confused
by batpot
Mon Feb 09, 2015 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1099-R from Mega Backdoor Roth IRA
Replies: 27
Views: 3906

TaxACT Ultimate - $12

Heads up...
http://slickdeals.net/f/7645016-taxact- ... l-state-12

Seems like it's worth it?
by batpot
Fri Feb 06, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: TaxACT Ultimate - $12
Replies: 2
Views: 520

Re: HELP! Mortgage company is denying my PMI termination req

I can't refi: Currently on a 30 year @ 3.25% It's no longer my primary residence Just did a quick look, and it would cost me ~$800 to save ~$20 per month at ~4%/30 years. :| Not to mention my amortization pay down is much better now than if I started over. Of course no call from Fannie Mae today, ei...
by batpot
Fri Jan 30, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: HELP! Mortgage company is denying my PMI termination req

Actually, my original request did state I had achieved 80% LTV from the original appraised value, but did not explicitly cite this particular category of B-8.1-04. Anyway, new letter sent along with original appraisal, current BPO, and a copy of B-8.1-04. In bold font throughout the letter is the ph...
by batpot
Fri Jan 30, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: HELP! Mortgage company is denying my PMI termination req

I called the servicer again today, and just got stone walled. They just kept repeating "no improvements" after putting me on a hold a couple times to confer with their superior. It wasn't until I threatened them with a Fannie Mae mortgage fraud claim that he finally agreed to put me throug...
by batpot
Thu Jan 29, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: Assisted Living Facilities... Weird 'Atmosphere...'

livesoft wrote:But then an evil son-in-law of another diner showed up and the entire crowd turned silent for the rest of the meal.


So OP is evil SIL? :shock:
by batpot
Thu Jan 29, 2015 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Assisted Living Facilities... Weird 'Atmosphere...'
Replies: 34
Views: 4207

Re: HELP! Mortgage company is denying my PMI termination req

Here is the cfpb page on removing PMI http://www.consumerfinance.gov/askcfpb/202/when-can-i-remove-private-mortgage-pmi-insurance-from-my-loan.html . There's a link at the top of the page to submit a complaint. Thanks for the link. Looks like I can do something similar through Fannie Mae's Mortgage...
by batpot
Thu Jan 29, 2015 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: Should mom transfer house title before dying or in will?

I hadn't seen it mentioned, so thought I'd offer that your state may offer a beneficiary deed. The cost basis of a beneficiary deed is upon death, and it reduces much of the red tape to take ownership upon your mother's death. I think it also is allows you to avoid estate taxes, should it apply.
by batpot
Thu Jan 29, 2015 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should mom transfer house title before dying or in will?
Replies: 52
Views: 4162

Re: HELP! Mortgage company is denying my PMI termination req

Did you submit your request in writing making it clear that you were asking for cancellation based off the original value? Do you have a copy of that request? Not, it's not clear. And I don't interpret the Fannie Mae rules to say that I have to make the request under one of the categories. Did you ...
by batpot
Thu Jan 29, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: HELP! Mortgage company is denying my PMI termination req

Regardless of the current servicing guidelines, what do your loan documents say? My guess is they follow the guidelines of the Homeowners Protection Act, which states the bank only has to terminate PMI when the LTV reaches 78%. You can request it be dropped at 80% but they aren't legally obligated ...
by batpot
Wed Jan 28, 2015 9:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: HELP! Mortgage company is denying my PMI termination req

They ordered it upon my request to drop but of course I had to pay for it. Using the current value is a different category than the one under whIch I made my request; there are no "seasoning" requirements using the original appraised value...unless I'm misunderstanding/mis-reading somethin...
by batpot
Wed Jan 28, 2015 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

HELP! Mortgage company is denying my PMI termination request

Original appraised value was $160k in ~April of 2013, and the current BPO came in significantly higher than that. My LTV from the original appraised value has been paid down, and is now 79.8%. Here are Fannie Mae's rules (who backs my mortgage): https://www.fanniemae.com/content/guide/servicing/b/8....
by batpot
Wed Jan 28, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3502

Re: Interview question...salary

Waste another day.
It's good practice for the next one, if nothing else.
You can always say no; if you make a strong impression, maybe they'll counter.
by batpot
Wed Jan 28, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Interview question...salary
Replies: 30
Views: 3748

Re: Is my term life policy quote too high?

I also have a family history, and broker steered me towards Prudential and Voya.

Prudential only looks at deaths before the age of 60, and only asks about immediate family, (siblings and parents).

Rates from other companies were WAY higher due to my family history, so definitely shop around.
by batpot
Mon Jan 26, 2015 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is my term life policy quote too high?
Replies: 39
Views: 2541

Re: seiko divers watch

I personally would spend a little more and get sapphire crystal (as opposed to hardlex), but these are phenomenally well reviewed watches.
Are you considering automatic, or quartz?
by batpot
Fri Jan 23, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: seiko divers watch
Replies: 8
Views: 642

Re: Amazon Prime Is $72 Tomorrow

it's $99 normally.
by batpot
Fri Jan 23, 2015 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2952

Re: Amazon Prime Is $72 Tomorrow

http://www.amazon.com/gp/help/customer/ ... =201118010
Yeah...the one purchase I have was from a 3rd party vendor, so shouldn't qualify.

Nice, no hassle...confirmed right away that I'll be getting a refund.

Thanks for sharing!
:sharebeer
by batpot
Fri Jan 23, 2015 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2952

Re: Amazon Prime Is $72 Tomorrow

Oof, it just auto-renewed a couple weeks ago at full-price. :oops:
Haven't used it yet, so maybe I can cancel for a refund?
by batpot
Fri Jan 23, 2015 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2952

Re: How to climb up in a megacorp

Learn and use buzzwords.
by batpot
Fri Jan 23, 2015 5:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to climb up in a megacorp
Replies: 37
Views: 5170

Re: Prepaying for College Tuition Credits

They've lost much of their luster after multiple years of large tuition hikes. Also, in Washington at least, they can only be purchased by in-state residents, so if you think you're going to be in CA, but aren't living there currently, it might not even be an option, though in-state plans are often ...
by batpot
Fri Jan 23, 2015 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepaying for College Tuition Credits
Replies: 3
Views: 354

Re: Refinance motrgage

With those numbers, you should shop around and refinance to 15 year. yes, shop around; given current rates, 3.25 for a 15 year doesn't sound like a great deal, even if if they're paying the 3rd party costs. And run the numbers on the rate for a 15 vs a 30. This one has the ability to add extra pay ...
by batpot
Fri Jan 23, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance motrgage
Replies: 12
Views: 1347

Re: Best small-ish vehicle to pull trailer

3500 pounds is usually going to be a V6, too, but that 4 banger Subaru seems like great bang for the buck, as most engines that size are closer to 1500.
by batpot
Fri Jan 23, 2015 12:24 am
 
Forum: Personal Consumer Issues
Topic: Best small-ish vehicle to pull trailer
Replies: 6
Views: 667

Re: Credit card FICO, is it a gimmick? EMV+sign, useful?

Just started a refi, and the barclaycard gives us a FICO.

The FICO wasn't anywhere to be seen on the credit pull for the refi. My range from the 3 companies was ~760-790, while my FICO is a little over 800.
Seems like a gimmick to me.
by batpot
Fri Jan 23, 2015 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card FICO, is it a gimmick? EMV+sign, useful?
Replies: 20
Views: 2628

Re: The Mega Backdoor Roth IRA

A note about watching the 1099-Rs in connection with a mega backdoor Roth IRA conversion. In 2014 I made a rollover of post-tax employee contributions and associated earnings out of my 401(k) into a traditional IRA at Vanguard. I then converted the contribution amount to a Roth IRA at Vanguard and ...
by batpot
Thu Jan 22, 2015 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 240
Views: 50355
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