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Re: Double Cash Credit Card from CITI

You are right; it's moot.
by batpot
Tue Dec 16, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2513

Re: No Foreign Fee Credit Card - Exchange Rate

Supposedly Barclay will waive or give you points equal to the fee if you ask/pressure them...I plan to test this in the near future here. The cap one quicksilver has no annual or foreign xfer fees, but also no chip & pin. I also think I'm going to open a Schwab acct, as cash is almost always nee...
by batpot
Tue Dec 16, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1015

Re: Double Cash Credit Card from CITI

I just got the card before thanksgiving. My 6th....I think. :greedy Looks like the "buy" credits don't get applied until the end of the billing cycle. Also, I suspect you don't earn credits for using them, so it's really only 1.9% back. Can anyone confirm/reject? ....Still nothing to scoff...
by batpot
Tue Dec 16, 2014 8:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2513

Re: sizeable negative balaance on credit card--how to access

I was able to avoid this problem in advance by calling Capital One, and asking them to reduce the amount owed by the amount of the credit.
Worked fine; no negative balance, no penalty, and no interest paid.
Took all of about 5 minutes.

Just FYI if it happens in the future.
by batpot
Thu Dec 11, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: sizeable negative balaance on credit card--how to access?
Replies: 24
Views: 2712

Re: Good buy flip phone, smartphone app to talk/sms for free

Yes, if you have a google voice number already, just download the "hangouts dialer" app from the google play store to make and receive calls using your GV number over wifi using the hangouts app. Hangouts also works as a data-based* SMS/picture/text messaging app using your GV number (* i....
by batpot
Wed Dec 10, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Good buy flip phone, smartphone app to talk/sms for free?
Replies: 10
Views: 653

Re: Your opinion of a Financial Advisor

Our local credit union has a partnership with LPL Financial, and as I understood it, their advisers work on salary, not commission.
I'd think most any firm that pays on a salary basis should suit you.
by batpot
Wed Dec 10, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of a Financial Advisor
Replies: 26
Views: 4927

Re: Send text messages from PC to Cell Phone

another vote for Google Voice.
We ported our numbers earlier this year and haven't looked back.
And with (finally!) proper hangouts integration in September, it works for free VOIP phone calls from your cell phone as well.
by batpot
Wed Dec 10, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3093

Re: Who Paid for the wedding?

I bought the dress and the ring; wife's family took care of the rest. My dad paid for the rehearsal dinner for all our close family and friends.
But Vietnamese tradition is to give cash wedding gifts, so my wife's family pretty much ended up getting reimbursed for everything.
by batpot
Wed Dec 10, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6487

Re: How to Use a Debit Card Like a Debit/Check Card POS

If you're using it short term to get some promotion from your credit union that might be OK, but I'd highly recommend not getting in the habit of using it for everyday purchases - get a credit card. If a credit card gets compromised you're out nothing but the hassle of getting a new credit card; if ...
by batpot
Wed Dec 10, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: How to Use a Debit Card Like a Debit/Check Card POS
Replies: 4
Views: 658

Re: POLL: Timing of Jan 1st payments

Mortgages have a float of 15 days so that's never an issue. A single mortgage payment is such a trivial amount of tax implications that I can't see losing any sleep over trying to bunch it, and as you said, it just means you're cutting yourself short for the next year. And it can sometimes be an iss...
by batpot
Tue Dec 09, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Timing of Jan 1st payments
Replies: 9
Views: 1461

Re: Black Friday Deals for Home Improvement?

check out slickdeals.net; create an account, and set some alerts for specific needs.
by batpot
Mon Nov 24, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Black Friday Deals for Home Improvement?
Replies: 5
Views: 1209

Re: Trading in a car - worth it to fix cosmetic issues?

if you were selling privately then cosmetic issue would matter, but to a dealer, they don't really care.
by batpot
Mon Nov 24, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Trading in a car - worth it to fix cosmetic issues?
Replies: 8
Views: 1021

Re: Life Insurance options

Here is the history of life insurance for 40 yr olds: http://www.term4sale.com/ratehistory.php and by age: https://www.jrcinsurancegroup.com/life-insurance-rates-by-age/ Of course it goes up every year, but You can see it really jumps when you reach 50. Mike Thanks for these! I also have family his...
by batpot
Mon Nov 24, 2014 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance options
Replies: 7
Views: 957

Life Insurance options

Bought a house this year w/ the wife, and decided we wanted enough life insurance to have it paid off. Currently no children, but they are likely in the near future. Both of us work, I'm currently 35 and wife is 33, and we both work at the same company, at approximately the same income level, and sp...
by batpot
Fri Nov 21, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance options
Replies: 7
Views: 957

Re: Dashboard Cameras

I've been considering one, but haven't bit yet; have read good things about the GW1 you referenced...might finally be persuaded to take the plunge. As to the question of why...I think you answered that already w/ the video. Seems from that video that the cyclist was in the wrong, and the video shoul...
by batpot
Thu Nov 20, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Anybody using dash cameras?
Replies: 30
Views: 5603

Re: After Tax Investment in 401K – Good or Bad?

May be I talked to wrong person, but I was told that while I can take after tax money out of 401k once a monthl, but can't do a direct Roth IRA rollover to an outside account. They said I can just move after tax money to my regular bank account. And then invest in Roth. But my income doesn't allow ...
by batpot
Wed Nov 19, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: After Tax Investment in 401K – Good or Bad?
Replies: 10
Views: 526

Re: Poll: Net cost of your checking account annually?

Can you show me an example? Sure thing, batpot. Schwab's High Yield Investor Checking Account gives fee rebates from any ATM worldwide, as does Fidelity's Cash Management Account. You will likely be assessed a fee by the foreign bank, but Schwab and Fidelity will then reimburse you for it. Will loo...
by batpot
Wed Nov 19, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2746

Re: Buying my first property

Is this going to be your primary residence? Or an investment? redfin.com is about as good as it gets for finding properties. See if you can get a recommendation on a real estate agent. We were recommended to a husband and wife real estate team who were amazing in helping us acquire our current prima...
by batpot
Wed Nov 19, 2014 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying my first property
Replies: 3
Views: 561

Re: Poll: Net cost of your checking account annually?

Caduceus wrote:Incidentally, brokerages have better checking accounts than most full-service banks. Most things are free, even international ATM withdrawals.


Can you show me an example?
by batpot
Wed Nov 19, 2014 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2746

Re: Heads up best reward credit card I've seen.

Capital One Quicksilver seems to be pretty good for me overall with 1.5% cashback on everything and not having to mix and match credit cards. Would consider switching to Capital One Venture if a good deal comes up since its 2% on everything but you need to use the points for travel, which I intend ...
by batpot
Tue Nov 18, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8211

Re: Chip and Signature (not PIN) in Europe

Some countries are worse than others; rarely had an issue using my Cap One w/out a chip, but when it didn't work, my debit card did (also no chip, but obviously a PIN). I'd highly recommend Ally bank or a Credit Union, as they tend to have the lowest foreign transaction fees for cash (Ally is only 1...
by batpot
Tue Nov 18, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chip and Signature (not PIN) in Europe
Replies: 15
Views: 1071

Re: Credit Card Fraud - Need Advice

Update: I doubt the police are interested in this enough to do anything. In my experience they ignore crimes involving a minor (for some value of minor) amount of money. I doubt they could identify the person from a video anyway. I have seen them post photos when a violent crime was committed. Yup....
by batpot
Tue Nov 18, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Fraud - Need Advice
Replies: 36
Views: 4070

Re: Should I buy this car?

I've been reading up on how to buy a car online through dealerships' Internet departments and thinking that's the direction I'll go. I definitely appreciate the suggestions. yes, just spam every dealership in the area with the exact car you are looking for, including color and exactly the options y...
by batpot
Tue Nov 11, 2014 11:43 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy this car?
Replies: 17
Views: 2892

Re: Yet Another Credit Card Thread

(btw, that's $47,500 to break even w/ the Barclay Arrival Plus @2.2% & $95 annual fee). You are absolutely right, I didn't notice that the OP was comparing it to another card with no annual fee. However, with the annual fee waived the first year and the $400 bonus, the Arrival Plus comes out ah...
by batpot
Tue Nov 11, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2137

Re: Contribution to ROTH in 401K

So it's a Roth 401k, not a Roth IRA? I was confused by your opening sentence: My company is offering an option to do after tax dollars and contribute to ROTH IRA in 2015. Assuming you've accounted for your tax bracket after the lack of a 401k deduction, sounds like you've got a pretty good handle on...
by batpot
Tue Nov 11, 2014 4:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contribution to ROTH in 401K
Replies: 13
Views: 1122

Re: Contribution to ROTH in 401K

I don't see how the company Roth will help you, unless it is treated as a roll-over (sounds doubtful). You can only contribute $6500 across all IRA accounts, while roll-over contributions don't have a limit, so anything you contribute to your company's Roth, will limit your contribution to your Vang...
by batpot
Tue Nov 11, 2014 3:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contribution to ROTH in 401K
Replies: 13
Views: 1122

Re: Savings rate of -2% for those under 35 - WSJ

Its not as good as a pension but many companies nowadays match a percentage. Mine automatically enrolls new employees in a 401K. They also provide good tools and give us seminars. I'm a Boomer but my parents grew up in the Depression and they saved and saved and saved. It was difficult for them to ...
by batpot
Tue Nov 11, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 4809

Re: Yet Another Credit Card Thread

First and foremost: always pay the credit card balances off in full every month (I assume everybody knows this, especially in this forum, but it bears repeating). That being the standard, it doesn't hurt to have many credit cards. In fact having the credit and not using it, is beneficial to your cre...
by batpot
Tue Nov 11, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2137

Re: Product subscriptions - cancel immediately for discount?

It's like the amazon model: you get 5% off for each item you "subscribe & save" to, for up to 25% off.

I could make sense for consumables, if you can figure out your frequency.

But yes, you can cancel immediately after and there are no ramifications.
by batpot
Tue Nov 11, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Product subscriptions - cancel immediately for discount?
Replies: 7
Views: 566

Re: Best Place To Buy Actual Gold Coins

ebay often has decent deals.
and you have ebay buyer protection and can use paypal.
by batpot
Wed Oct 08, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2531

Re: Slingbox to "Wire" TV two floors away?

Also keep in mind that w/ the slingbox solution, you can't watch 2 different channels on the 2 TVs. It's meant for watching your home TV remotely when you're not there; you are essentially just taking control of your cable box. So for a TV in a guest room, you're probably going to want a 2nd cable b...
by batpot
Fri Oct 03, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 22
Views: 2254

Re: SSD+nonSSD HD combos seem to work well

I have nothing but SSDs in my machines, and a simple server I built using FreeNAS for the important stuff (and some not so important stuff like HTPC recordings). Those less patient, or less technically inclined would do well to get some kind of Network Attached Storage, with some kind of redundancy....
by batpot
Wed Sep 24, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: SSD+nonSSD HD combos seem to work well
Replies: 17
Views: 1912

Re: Cellular Service Surcharges, Taxes, and Fees

Welcome to the club! I don't like this club, and I want my dues back. At this point, Cricket would be cheaper, but then data would be throttled to 8mbps :| . Honestly, that would probably be OK so long as ping rates don't also suffer. Oy, I thought the search was over. Once my wife comes on board, ...
by batpot
Mon Jul 14, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 18
Views: 1995

Cellular Service Surcharges, Taxes, and Fees

There've been a few threads on here discussing different companies, but specifically, I'd like to understand the fees that get tacked onto your bill. I switched from Straight Talk to Consumer Cellular, and I'm not happy with the additional ~$5 in fees getting tacked on to the same $45 monthly plan. ...
by batpot
Mon Jul 14, 2014 4:08 pm
 
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 18
Views: 1995

Re: Ditch car and commute to work in 250cc scooter in Raleig

Interesting thread...I've been considering the same, except I'd be adding a bike to the garage.

I'm taking the basic rider course at the end of this month, and will decide after that point.
by batpot
Mon Jul 14, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Ditch car and commute to work in 250cc scooter in Raleigh?
Replies: 79
Views: 6963

Re: Urban garden bed--ideas to deter dog owners

Chile Powder, or Hot Peppers will likely deter the dogs.
http://www.instructables.com/id/Dog-Poop-Deterrent/

Unless you've personally pissed somebody off, the owners aren't going to direct their dogs into your garden; the key is to make it so the dogs don't want to be there.
by batpot
Tue Jul 08, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 4456

Re: I am looking to switch IP providers.

i have att dsl with 5mb download. i switched to comcast with 25mb download (i get 26-27). att plays netflix perfectly. comcast constantly buffers, streaming video is impossible to watch. i've tried everything so far except buying a new modem and getting rid of the rental. thats my next step. my adv...
by batpot
Wed Jul 02, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 991

Re: Consumer Cellular with 4G-LTE android smartphone

That's too bad about their customer service, especially when the link I posted above worked exactly as it is described there.

But no, if it's an AT&T phone, you won't have to unlock it, so it will work.
by batpot
Fri Jun 20, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 7171

Re: What smartphone plan do you use?- off contract

I went to download the Vonage app and was shocked by the long list of permissions required, including identity, camera, etc. etc. What's all this about? I decided not to do it, since it looks like the NSA is offering it.... yeah...ain't nothing free. Groove IP is less bad, but it has ads unless you...
by batpot
Thu Jun 19, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 6007

Re: Avoiding Paypal/Ebay Scam

You can block certain bidders, but your options are quite limited; go to Account, Site Preferences, Buyer Requirements. Might want to back out and see if you can get it appraised first, which should protect you from a forgery claim. Sending is USPS Registered means they seal it at the USPS office, w...
by batpot
Thu Jun 19, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Avoiding Paypal/Ebay Scam
Replies: 30
Views: 2387

Re: 2013 RAV4 design flaws

As a rule: never buy a first production year vehicle, or in this case, after a major design overhall. I have a 2010, and they had 4 years to work out most of the bugs...the list of TSBs for the 06-08s is stupid long. There's a great community here, including all TSBs: http://rav4world.com/ Even thou...
by batpot
Thu Jun 19, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: 2013 RAV4 design flaws
Replies: 15
Views: 1687

Re: What smartphone plan do you use?- off contract

To overcome 100 min, I have tried 10+ free VOIP solutions and found Vonage mobile app gives Nexus4 the best call quality. How much do you pay for Vonage? I've found the new Groove IP works great, but you'd need to setup a new number w/ Ring.To (or port your number in). Really wish Google would get ...
by batpot
Thu Jun 19, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 6007

Re: Consumer Cellular with 4G-LTE android smartphone

Interesting, because I tried to put that APN info in, and it didn't work at all - no data; I had to call them and give them IMEI, per the instructions: https://www.consumercellular.com/Support/Knowledgebase/2/42/198 I was able to get 4G speeds by changing the APN to "att.mvno" however. Th...
by batpot
Wed Jun 18, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 7171

Re: What smartphone plan do you use?- off contract

I also paid taxes/fees w/ StraighTalk; the $45 plan was over $50 per month, and I always paid online. The main reason I dropped them, though, is their data was too slow. They route all data through TracFone servers in Tampa, FL, and as a result ping rates were extremely slow, causing everything to l...
by batpot
Wed Jun 18, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 6007

Re: What smartphone plan do you use?- off contract

To overcome 100 min, I have tried 10+ free VOIP solutions and found Vonage mobile app gives Nexus4 the best call quality. How much do you pay for Vonage? I've found the new Groove IP works great, but you'd need to setup a new number w/ Ring.To (or port your number in). Really wish Google would get ...
by batpot
Tue Jun 17, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: What smartphone plan do you use?- off contract
Replies: 100
Views: 6007

Re: Amsterdam

We stayed here a few years ago and it was fantastic:
http://www.tripadvisor.com/Hotel_Review ... vince.html

Right around the corner from the Ann Frank House, and within walking distance from about everything.
by batpot
Tue Jun 17, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Amsterdam
Replies: 14
Views: 1293

Re: Forums like Bogleheads, for Life ?? (other aspects)

http://www.slickdeals.net
It's a HUGE community, so there's a lot of junk posts, trolls, newbs (heh), etc, but also a ton of good info.
by batpot
Tue Jun 17, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 5613

Re: Seattle Restaurants

What part of Seattle are you going to be in? There's great stuff all over the city. Steaks = Daniel's Broiler Burgers = Dicks (cheap, multiple locations), or gourmet: Red Mill Definitely 2nd the Tamarind Tree for Vietnamese There's a bunch small diners/brunch places around, or if you're in South Lak...
by batpot
Tue Jun 17, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1082

Re: Consumer Cellular with 4G-LTE android smartphone

Interesting, because I tried to put that APN info in, and it didn't work at all - no data; I had to call them and give them IMEI, per the instructions: https://www.consumercellular.com/Support/Knowledgebase/2/42/198 I was able to get 4G speeds by changing the APN to "att.mvno", however. Th...
by batpot
Tue May 13, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Consumer Cellular with 4G-LTE android smartphone
Replies: 51
Views: 7171
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