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Re: Shopping at Costco

You can buy the Cash Cards on E-bay. I'd guess some other places online also sell them.
by dsanders79
Mon Jun 16, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5555

Re: Shopping at Costco

I don't know much about it, but apparently you can use a Costco Cash Card to shop without a membership.
by dsanders79
Mon Jun 16, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5555

Book recommendations for soon to be retired parents.

I think my father is finally going to retire this year. They have a Bogle-minded financial adviser who has been great. He advised me to setup a ROTH at Vanguard when I was in college. So financially my parents are in great shape. But I know there is more to retirement than just the financial aspects...
by dsanders79
Thu Jun 05, 2014 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Book recommendations for soon to be retired parents.
Replies: 2
Views: 223

Re: Cloud file system for small business

I don't have any experience with using any of these services with as many simultaneous users as you're trying to do, but I would give Dropbox a try. I believe if 2 computers are on the same local network they will sync without going out to Dropbox. It will eventually get synced to Dropbox, but the l...
by dsanders79
Thu Feb 20, 2014 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Cloud file system for small business
Replies: 11
Views: 608

Re: Freezing Credit - Should I?

Like the others have said, I don't think it'll help with your tax return concern. But freezing your credit is pretty easy and will help prevent most other identity theft problems (or so I'm told :happy ). It took about 15 minutes to freeze my credit and I can thaw it in about 5 minutes. It does cost...
by dsanders79
Fri Feb 07, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 2191

Re: How will the stimulus scaleback affect mortgages?

Based on my hindsight views - don't let interest rate talk affect when and what you buy. Buying a house that you're not happy with is not worth any interest savings. I am now a believer that like the market, you can't time interest rates. When I started looking at houses I was told - interest rates ...
by dsanders79
Thu Dec 19, 2013 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How will the stimulus scaleback affect mortgages?
Replies: 4
Views: 554

Re: Buying music CDs

Here's another vote for Amazon. You can often get some good deals on used CDs. If you buy new you will often get their "autorip" as well. Basically you instantly get the MP3s and the ability to stream the album. But you still get the physical CD in a couple of days.
by dsanders79
Thu Dec 05, 2013 11:44 am
 
Forum: Personal Consumer Issues
Topic: Buying music CDs
Replies: 32
Views: 1773

Re: AT&T MVNO Suggestions

If you're considering other carriers you might want to also check out Ting, Republic and FreedomPop.
by dsanders79
Thu Nov 21, 2013 10:57 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2530

Re: AT&T MVNO Suggestions

Thank you dsanders. So why would you need the refill cards if you are on a monthly plan? Do any of you know how it works for international travel if I am in some other country? I am still on the monthly plan, but I bought several refill cards at a discount so I got a few months of service for ~$35....
by dsanders79
Thu Nov 21, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2530

Re: AT&T MVNO Suggestions

I also use Straighttalk and I have no complaints. You will likely have to update the data settings on your phone, but once you've done that I believe you can use any AT&T phone. Occasionally discounted refill cards will pop up on deal sites. I luckily haven't had to deal with them, but I've hear...
by dsanders79
Thu Nov 21, 2013 5:28 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2530

Re: Thinning hair/ hair loss products

First, I also buzz my head myself. It's fast, easy and cheap. The only tricky part is your neck - with some mirrors and patience you can do it yourself. Of course having someone do it for you is easier. My hair started thinning a few years ago - I started to see more and more hair going down the dra...
by dsanders79
Wed Nov 20, 2013 10:04 am
 
Forum: Personal Consumer Issues
Topic: Thinning hair/ hair loss products
Replies: 35
Views: 3657

Re: HSA help

My HSA is with Optum bank and they offer Vanguard S+P 500, Vanguard Global Equity and Vanguard Wellington.
by dsanders79
Sat Oct 12, 2013 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA help
Replies: 16
Views: 2019

Re: Nexus 7 owners, 2nd generation.

They've been really good about updating the software on the original Nexus 7, and I've read that the newest version should keep it from getting laggy over time. Over my head, but something about how the software manages memory helps prevent it from gradually slowing down, as my old android 2.3 cell...
by dsanders79
Fri Oct 11, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Nexus 7 owners, 2nd generation.
Replies: 16
Views: 1631

Re: Nexus 7 owners, 2nd generation.

I'll begin by saying I really like the size of the 7 - perfect for when I want something bigger than my phone but don't want my laptop. It is great for browsing the web while sitting on the sofa. It will, somewhat snuggly, fit in most pockets. Since I work in IT I usually need a computer nearby in c...
by dsanders79
Thu Oct 10, 2013 11:15 pm
 
Forum: Personal Consumer Issues
Topic: Nexus 7 owners, 2nd generation.
Replies: 16
Views: 1631

Re: DVR options/alternatives

Definitely check out the HDHomerun - you plug in your antenna and a network cable and it's ready. I like the simplicity because I knew I was going with Mythbuntu and I knew it supported the HDHomerun and I didn't want to fool with drivers, etc. in Linux. I also like the option of putting the HDHomer...
by dsanders79
Wed Oct 02, 2013 1:05 pm
 
Forum: Personal Consumer Issues
Topic: DVR options/alternatives
Replies: 13
Views: 643

Re: DVR options/alternatives

I just bought a Homeworx PVR-150 (available on Amazon). For the money it seems pretty good, you just add your own USB hard drive. You can not schedule recordings by show name i.e. "The Simpsons" instead you would have to tell it to record channel 5, every Sunday from 8 - 8:30. The remote i...
by dsanders79
Wed Oct 02, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: DVR options/alternatives
Replies: 13
Views: 643

Re: Refi process questions

I am a little over 3 years in on my existing mortgage (30 years at 5.125%). I should have mentioned I am looking at moving to a 15 year and the rates I've been given are 3.8% APR and 3.9% APR (pre-Fed announcement to extend QE). However, just this morning I saw a quote for 3.251% APR for a 15 year. ...
by dsanders79
Fri Sep 20, 2013 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi process questions
Replies: 2
Views: 185

Refi process questions

My house is hopefully no longer underwater so I am hoping to refi into a lower interest rate. I currently have a 30 at 5.125%. A couple of weeks ago I started the process and I am at the point of getting an appraisal for one of the options. What should I really be using to compare loans? APR? How fa...
by dsanders79
Fri Sep 20, 2013 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi process questions
Replies: 2
Views: 185

Re: Investing HSA

You guessed it, I have Optum bank :happy I'm trying to decide the best way to rebalance - and this may reach beyond the HSA discussion. Let's say I go with the SP 500. Should I setup Vanguard to automatically transfer an appropriate amount from my total stock market to total bond? Or should I just w...
by dsanders79
Thu Aug 22, 2013 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing HSA
Replies: 2
Views: 347

Investing HSA

I have nearly maxed my 401k for the year and I am currently investing it in a target fund. I have a traditional and Roth IRA at Vanguard. My target allocation is 80 stocks / 20 bonds. However, it is currently closer to 83 / 17. My IPS calls for 40% US, 35% Intl, 5% REIT. I have already fully funded ...
by dsanders79
Wed Aug 21, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing HSA
Replies: 2
Views: 347

Re: Google Chromecast Streaming HDMI Media Player

chromecast doesn't have as a preloaded app. perhaps Amazon prime video or a vimeo site would be a nice test.....let us know how it goes. can't wait to get mine.... I just got mine hooked up and have started playing with it. Unsurprisingly video from Netflix, Youtube and Google Play all work great u...
by dsanders79
Fri Jul 26, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7704

Re: Google Chromecast Streaming HDMI Media Player

Anyone know the best way to get streaming Amazon Prime (on my TV)? Right now, I have an Apple TV but it blocks Prime. Chromecast looks awesome but so far I buy my shows from Apple TV so it is redundant. Finally, we use a receiver, so connecting chromecast to the TV doesn't let me take advantage of ...
by dsanders79
Thu Jul 25, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7704

Re: Google Chromecast Streaming HDMI Media Player

praxis wrote:I wonder if this new Google device works better with the slower speeds?


According to this wired article it is kind of picky about network speeds.
by dsanders79
Thu Jul 25, 2013 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7704

Re: Google Chromecast Streaming HDMI Media Player

I couldn't resist and bought one as well. I already have Netflix so the 3 months free service even for existing customers sealed the deal for me. I doubt I will be ditching my Roku anytime soon, but I think the Chromecast has great potential. Over the air TV / dvr and sports (ESPN, Fox Sports, etc) ...
by dsanders79
Thu Jul 25, 2013 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Google Chromecast Streaming HDMI Media Player
Replies: 75
Views: 7704

Re: allocation in taxable account - bonds?

I am sorry if I am hijacking the thread. How would you handle it if you are saving for something non-retirement, mid-term and you want say a 60 bonds / 40 stocks split? Should you just buy bonds in the taxable account or should you increase your bond allocation in tax-deferred and move part of your ...
by dsanders79
Tue Jul 09, 2013 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: allocation in taxable account - bonds?
Replies: 3
Views: 615

Re: Health insurance - any recommendations?

Are you maybe looking at high deductible / hsa plans? If so, you may want to read what the wiki has to say about them.

http://www.bogleheads.org/wiki/Health_Savings_Account
by dsanders79
Thu Jun 27, 2013 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health insurance - any recommendations?
Replies: 18
Views: 1580

Re: Health insurance - any recommendations?

Costco now sells health insurance in certain states. If my memory serves me correctly, they are reselling Aetna. When I did a quick glance, it seemed pretty competitive to what I get at my work.

If you're eligible, USAA also has some options.
by dsanders79
Wed Jun 26, 2013 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health insurance - any recommendations?
Replies: 18
Views: 1580

Where to put modest amount of money for niece and nephew

Every paycheck I am putting aside a small amount of money for my niece, nephew and godson. Right now that totals $130 per year. Luckily I believe they will be in good shape for college, etc. So they can use the money for whatever they like, but I am hoping they can use it for something fun like trav...
by dsanders79
Wed Jun 19, 2013 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Where to put modest amount of money for niece and nephew
Replies: 1
Views: 405

Re: Is Flood Insurance worth while?

My flood insurance was pretty cheap so I purchased it. I read somewhere (possibly here) to insure for events that would be devastating and that you can not afford to self insure. It would not be much fun to be stuck paying a mortgage on a house that was destroyed in a flood...
by dsanders79
Tue Apr 30, 2013 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Flood Insurance worth while?
Replies: 26
Views: 1609

Re: Removing paint from brick house

SSSS wrote:Paint over it with brick-colored paint.


I have also considered this route - http://www.prettyhandygirl.com/2010/08/painting-brick-fireplace-from-white-to.html
by dsanders79
Mon Apr 29, 2013 11:23 am
 
Forum: Personal Consumer Issues
Topic: Removing paint from brick house
Replies: 7
Views: 1160

Re: Removing paint from brick house

I researched this a little bit because I would like to remove paint from my fireplace. Soda blasting seemed to be the best possible solution.
by dsanders79
Mon Apr 29, 2013 10:46 am
 
Forum: Personal Consumer Issues
Topic: Removing paint from brick house
Replies: 7
Views: 1160

Re: Insulation Question

I am far from an expert, but I just recently blew in more insulation myself. I already had loose insulation so I decided to stick with that. It also allowed me to insulate in an area that would have been difficult to get to with rolls. It was fairly easy, but still a fair amount of very dusty work. ...
by dsanders79
Thu Apr 11, 2013 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Insulation Question
Replies: 25
Views: 2158

Re: tiny cheap server

They just come with the board. You are responsible for everything else power supply, SD card, etc. It seems a bunch of issues are related to the power supply so make sure you get a good one of those. There are several distributions available including some that are debian based. If my memory serves ...
by dsanders79
Sat Mar 09, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: tiny cheap server [Raspberry Pi]
Replies: 24
Views: 2993

Re: Saving for 2014 Roth and 401k

Thanks for the replies. I'm on board with paying down the mortgage. My new goal will be to pay it down enough to refi. I have some stocks in a taxable account (ESPP). Would you sell that and apply it towards the mortgage? In a few weeks my 401k will be maxed and I will be able to apply more of my pa...
by dsanders79
Fri Mar 08, 2013 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for 2014 Roth and 401k
Replies: 6
Views: 464

Saving for 2014 Roth and 401k

I have already maxed my 2013 Roth IRA and will soon max my 401k (minus the % I need to contribute throughout the year for the company match). I really like the feeling of knocking these out ASAP. If it makes financial sense, I would like to set myself up so that I can do this next year. I do have an...
by dsanders79
Fri Mar 08, 2013 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for 2014 Roth and 401k
Replies: 6
Views: 464

Re: Would you seriously date someone with $300K in debt?

I'm sort of in the same situation myself, though just a little less debt. I struggle with it and cringed when I first found out. I think how the debt came to be is important. I think my g/f simply was ignorant and didn't understand the magnitude of the debt she was undertaking and obviously didn't h...
by dsanders79
Thu Feb 28, 2013 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Would you seriously date someone with $300K in debt?
Replies: 85
Views: 3311

Re: Phone replaces computer

Yes, I already do a fair amount of transactions with my phone - transfer money, deposit checks. If you trust your computer I can not really think of any reason to not trust your phone. Ultimately smart phones are just small computers so they are equally subject to the security risks of a regular com...
by dsanders79
Wed Feb 20, 2013 11:47 am
 
Forum: Personal Consumer Issues
Topic: Phone replaces computer
Replies: 21
Views: 1942

Re: Phone replaces computer

I wonder how that compares with a Raspberry Pi. The Raspberry Pi has pretty low specs compared to many modern smart phones. The Raspberry Pi shines with its low power consumption. This was announced today: http://www.ubuntu.com/devices/tablet Towards the end of the video they talk about docking you...
by dsanders79
Tue Feb 19, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Phone replaces computer
Replies: 21
Views: 1942

Re: Using Clear.com for home internet?

I'm not a big fan of Comcast so I got Clear as soon as it came out. I was pretty pleased with it, but I had to drop it when I moved and didn't have any coverage at my new house. However, I had a couple of friends who had it and were initially happy but eventually dropped it because it appeared to sl...
by dsanders79
Fri Feb 15, 2013 9:50 am
 
Forum: Personal Consumer Issues
Topic: Using Clear.com for home internet?
Replies: 10
Views: 1224

Re: 3% to 4% on Checking???

I was looking for a place to stash my emergency fund so I researched this a few months ago. I ended up stashing $5000 of my emergency fund at Mango. It's got its drawbacks, but I can live with it since I hopefully won't need the money. I've only had it for a couple of months but so far it has been g...
by dsanders79
Wed Feb 13, 2013 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: 3% to 4% on Checking???
Replies: 17
Views: 2829

Re: Restaurant gift cards at a discount

centrifuge41 wrote:Giftcardgranny. Searches multiple gift card exchanges at once.


I just used this site to find a bunch of Lowe's giftcards. It worked great for me and helped me effectively get an extra 8% off a new dishwasher.
by dsanders79
Sat Feb 09, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant gift cards at a discount
Replies: 20
Views: 2289

Re: Any creative ways to refinance an upside down mortgage?

At 5.125% its probably worth paying it down to get it above water in order to refinance. These days that's a pretty high rate. I am currently planning to max my 401k this year. Should I reconsider that plan and pay down my mortgage instead (still contribute to the company match)? I do get a little ...
by dsanders79
Mon Feb 04, 2013 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any creative ways to refinance an upside down mortgage?
Replies: 6
Views: 966

Re: uses for old laptop?

With the energy consumption you might end up losing when money on it when compared to a raspberry pi or andoid on a stick. I'd donate it. Sometimes Staples offers a $100 credit towards the purchase of a laptop/desktop if you give them your old PC/laptop. I'd be interested in any experiences with ra...
by dsanders79
Sat Feb 02, 2013 10:09 am
 
Forum: Personal Consumer Issues
Topic: uses for old laptop?
Replies: 28
Views: 2890

Any creative ways to refinance an upside down mortgage?

I currently owe ~$169,000 @ 5.125% on my house. I have a conventional 30 year mortgage that is owned by Freddie Mac. Unfortunately the mortgage originated in July 2010 so I do not qualify for HARP. I already tried to refinance but the appraisal came in pretty low and I am underwater. Right now my pl...
by dsanders79
Wed Jan 30, 2013 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any creative ways to refinance an upside down mortgage?
Replies: 6
Views: 966

Re: Walmart to offer unlimited iPhone 5 plan for $45/mo

I have been using Straighttalk with an unlocked Google Nexus phone for about a year now. I am very happy with the service. I have heard about the 2GB limit, but I stream music and talk radio on my commute and I have not run into any issues. You can really use any AT&T phone on Straighttalk. So i...
by dsanders79
Fri Jan 11, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Walmart to offer unlimited iPhone 5 plan for $45/mo
Replies: 45
Views: 5858

Follow up questions - total stock market approximation

I had a few follow up questions related to my post a few weeks ago http://www.bogleheads.org/forum/viewtopic.php?f=1&t=107346 . Tax efficiency - do I need to be concerned about any tax efficiency differences between my rIRA, tIRA and 401k? Somewhat along those lines, should I consider selling my...
by dsanders79
Wed Jan 02, 2013 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and a slew of questions
Replies: 9
Views: 1408

Re: Asset Allocation and a slew of questions

Thank you to everyone for your insight. Sorry I am late to reply, I wanted to read over everything a few time to make sure it was all sinking in. I'm still not sure it is :happy I have added the expense ratios for all the funds available in my 401k. I confirmed I am in the 25% tax bracket. The Black...
by dsanders79
Fri Dec 28, 2012 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and a slew of questions
Replies: 9
Views: 1408

Asset Allocation and a slew of questions

Emergency Fund: 3 months of expenses Debt: 2 years in on a 30 year mortgage $170k left @ 5.125% Tax filing status: Single Tax Rate: 25% (I think) State of Residence: GA Age: 32 Desired Asset Allocation: 80% stocks / 20% bonds (open to suggestions) Desire International Allocation: 50% (not sure about...
by dsanders79
Thu Dec 20, 2012 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and a slew of questions
Replies: 9
Views: 1408

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