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by guitarguy
Fri May 22, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 33
Views: 2139

Re: Penfed 0.99% auto loan

Penfed has a sale on their 4 year new (2014-15) car auto loan at 0.99% through Memorial Day. Interesting, the 3 year term is still 1.49%. Not a member of Penfed but I have heard they are strict in their lending decisions. What credit score is needed for that rate? Would they allow cash out refinanc...
by guitarguy
Fri May 22, 2015 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 0.99% auto loan
Replies: 33
Views: 2139

Re: Penfed 0.99% auto loan

abugarcias wrote:I have had 3 penfed loans over the years, all required $500 deductible but I've always kept it at $1,000 and they've never said anything.


^ This. My deductible is still $1000 also.
by guitarguy
Fri May 22, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2009

Re: ATT next plan - prepayment quandary

The "$199 iPhone" scam exposed by the NY Times: http://www.nytimes.com/2014/09/28/technology/199-apple-iphone-6-is-fiction-if-not-fantasy.html?_r=0 And its actual cost exposed by ZDNet: http://www.zdnet.com/article/how-much-does-an-iphone-6-really-cost-hint-its-way-more-than-199/ On AT+T:...
by guitarguy
Wed May 20, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a House?
Replies: 33
Views: 1580

Re: Maybe I shouldn't buy a house?

I love my house. I like working on it and building things, sitting out on the patio, tinkering in the garage, and playing fetch with my dog in my own yard. I LOVE the location, we got a good reasonable deal and rate, and on and on. I'm happy here. You, OP, on the other hand...want flexibility, alrea...
by guitarguy
Wed May 20, 2015 12:20 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2009

Re: ATT next plan - prepayment quandary

My wife and I paid $11 each for our iPhone 5Ss with a 2-yr contract and trade in of our crappy old slow 4S phones. They would've had to literally cut our bill in half to even it out...which I don't see happening. You paid $11 up front, but look back at my previous post to see how much extra you pai...
by guitarguy
Tue May 19, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2009

Re: ATT next plan - prepayment quandary

My wife and I paid $11 each for our iPhone 5Ss with a 2-yr contract and trade in of our crappy old slow 4S phones. They would've had to literally cut our bill in half to even it out...which I don't see happening. You paid $11 up front, but look back at my previous post to see how much extra you pai...
by guitarguy
Mon May 18, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2009

Re: ATT next plan - prepayment quandary

We have ATT and have a combined bill. Don't have, and never will have, ATT next. Unless I'm missing something, you get out of the contract...but pay FULL PRICE for the phone!!!?? Lock me in for 2 years...and give me a nice new smartphone phone for next to nothing, please. Edit: Also...why the rush ...
by guitarguy
Fri May 15, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: ATT next plan - prepayment quandary
Replies: 19
Views: 2009

Re: ATT next plan - prepayment quandary

We have ATT and have a combined bill. Don't have, and never will have, ATT next. Unless I'm missing something, you get out of the contract...but pay FULL PRICE for the phone!!!?? Lock me in for 2 years...and give me a nice new smartphone phone for next to nothing, please. Edit: Also...why the rush t...
by guitarguy
Fri May 15, 2015 12:05 pm
Forum: Personal Consumer Issues
Topic: Free if you sign up (Home Depot card)
Replies: 18
Views: 2144

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

The Home Depot credit card is solid...5% instant cash back on anything you buy with it. Adds up significantly if you're always building stuff and working on projects around the house like I am.

Edit: I didn't sign up for the free bonus you get...
by guitarguy
Thu Apr 30, 2015 12:13 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 2632

Re: Backyard patio - should I invest?

Here in SE Michigan that quote is very high also.

We had 750 sqft, about 500 of which was stained/stamped concrete with the remaining portion a section of regular driveway concrete) done for $4500.
by guitarguy
Thu Apr 23, 2015 6:14 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 704

Re: Mortgage Transfer May 1st - Payment??

I called BoA and they clarified that I should make my payment to them THROUGH the first. I will probably just make it on the 29th or 30th just to be safe. Starting May 2nd I will be sending payments to Nationstar. I hope they make it as easy as BoA to apply a bit extra to principal each month. This ...
by guitarguy
Wed Apr 22, 2015 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 704

Mortgage Transfer May 1st - Payment??

I know this is quite common, but we have yet to go through it, so I'm wondering if there's anything I need to do differently here... Our mortgage is being transferred from BoA to another company (Nationstar Mortgage...whomever they are) on May 1st. From what I read there isn't anything we need to do...
by guitarguy
Mon Feb 16, 2015 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 8007

Re: How much was your Tax Refund (or amount DUE)

We get back around $2k every year from Federal, and about $100 from state. We have them withhold extra because my self side income varies year to year significantly and I don't want to owe anything. We choose to just get a larger portion back and stick it in one of our savings accounts. I guess we'r...
by guitarguy
Fri Jan 30, 2015 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1922

Re: Financial Considerations for Infertility Treatments

This was 14 years ago, actually longer but here are some other things to think about which only indirectly address your original questions. We started with individual treatments/cycles. After going through and paying for the first two one at a time, we went with a plan that offered 3 cycles and a 9...
by guitarguy
Wed Jan 28, 2015 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1922

Re: Financial Considerations for Infertility Treatments

We were able to schedule and max out our pretax plan at work. Scheduled the procedure the first month of the pretax period so effectively got an immediate loan with a negative interest rate based on our tax bracket. Could you elaborate? Did you just write a check Jan 2nd for your full HSA maximum c...
by guitarguy
Wed Jan 28, 2015 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1922

Re: Financial Considerations for Infertility Treatments

Also do keep in mind the risk for twins or triplets with these procedures. Aside from the risks associated with multiples, DW and I would really be excited to have twins. Aside from the 2-for-1 deal ( :mrgreen: ) we just think it would be so fun. Sure it would likely be hectic and expensive, but at...
by guitarguy
Wed Jan 28, 2015 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1922

Re: Financial Considerations for Infertility Treatments

My insurance policy also explicitly says it does not cover any assisted reproductive technology and procedures. But they still paid for all the drugs, blood tests, and ultrasounds during our four IUI procedures, which was the bulk of the cost. The only thing they didn't pay for were the actual IUI ...
by guitarguy
Tue Jan 27, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1922

Re: Financial Considerations for Infertility Treatments

Have you checked with your insurance to make sure that you aren't covered for fertility treatments? Yes, and they are not covered. One thing to check into is if the diagnostic testing is covered by insurance. With my wife's insurance they covered all the testing to determine what the problem was bu...
by guitarguy
Tue Jan 27, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Considerations for Infertility Treatments
Replies: 25
Views: 1922

Financial Considerations for Infertility Treatments

Hi all, Long story (slightly) short(er), my wife and I have been trying to have children for some time, and we've decided to seek council and treatment from a fertility specialist. After numerous tests and procedures through her standard OB and my urologist that have been covered by insurance (diagn...
by guitarguy
Fri Jan 23, 2015 7:04 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate % savings
Replies: 9
Views: 779

Re: How to calculate % savings

Want to compare to your neighbor? you'll have to ask him how he's doing it. Haha! Not interested in this one! In fact, if I gambled, I'd bet we're at a higher percentage than the Joneses in our neighborhood regardless of how you calculated. Unless of course we have Bogleheads in the neighborhood......
by guitarguy
Thu Jan 22, 2015 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate % savings
Replies: 9
Views: 779

How to calculate % savings

Ok...this might be a dumb question...but I will ask anyway! How does one calculate their total percent savings? Tax deferred savings as a percentage of gross income is easy...but when you throw in Roth contributions your savings rate as a % of gross income becomes trickier. How does one handle that?...
by guitarguy
Thu Jan 22, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2884

Re: When is cash still king?

So with all the cash back credit cards out there, I'm wondering when it is still smart to pay with good ole cash. There don't seem to be too many! Gas, groceries, home improvement stores...you can easily get 5% back or more on these with credit cards. Department stores and most other places in gene...
by guitarguy
Wed Jan 21, 2015 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you hit $100,000?
Replies: 68
Views: 6290

Re: What age did you hit $100,000?

29, just a few months ago.

Still dealing with mortgage, a bit of student loan debt, and a small portion of car loan left...but every month with extra payments on debt and money added to savings...net worth goes up. :happy
by guitarguy
Wed Jan 21, 2015 10:52 am
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2884

When is cash still king?

So with all the cash back credit cards out there, I'm wondering when it is still smart to pay with good ole cash. There don't seem to be too many! Gas, groceries, home improvement stores...you can easily get 5% back or more on these with credit cards. Department stores and most other places in gener...
by guitarguy
Fri Jan 16, 2015 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: This topic is causing stress in marriage we need some help
Replies: 81
Views: 7745

Re: This topic is causing stress in marriage we need some he

I will ignore the some of the bickering and shots being taken at one another (after all we're arguing based on so many assumptions here...can't we all just get along? :wink: ). OP - this forum is filled with people who are very into financial planning..."you should've been prepared" is the...
by guitarguy
Fri Jan 16, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 5095

Re: cat water fountain

We have had this for our dogs for quite a while and it works great, although it's a bit heavy to set up when filling: http://www.amazon.com/Petmate-Replenish-Waterer-Microban-4-Gallon/dp/B0057LAGGU/ref=sr_1_6?ie=UTF8&qid=1421428219&sr=8-6&keywords=replendish When our dog found a <5 week ...
by guitarguy
Fri Jan 16, 2015 12:00 pm
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

If you have an SUV, i can't recommend this enough. http://www.nps.gov/caco/cape-cod-national-seashore-oversand-beach-driving.htm By far my favorite summer activity in New England. Trade a mile walk from your car to sit 5 feet from other tourists, to having the entire beach to yourself, with stocked...
by guitarguy
Fri Jan 16, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

Yarmouth to Provincetown will take you about one hour driving. Already mapped it! An hour ish should be too bad. Plus we'll be stopping on the way in Wellfleet and Truro so it won't even be an hour straight. Just gotta figure out logistics in Ptown. I assume they have day parking somewhere, hopeful...
by guitarguy
Fri Jan 16, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

Most things on the cape don't require advance booking, unless you plan to take your car on a ferry. You can be spontaneous. Especially if you are going in May. Until Memorial Day weekend the cape will be quite empty. Thanks for the info! Maybe we'll jump on that whale watch if we decide on it last ...
by guitarguy
Fri Jan 16, 2015 7:55 am
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

Thanks so much for all the info everyone! So far we have on our list (in no particular order): - Day trip to Nantucket via high speed ferry, bike rentals and explore the island, shipwreck and whaling museums, lobstah rolls from Something Natural for a beach picnic - Day trip to explore National Seas...
by guitarguy
Thu Jan 15, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Notice: we're closing your credit card account
Replies: 11
Views: 2378

Re: Notice: we're closing your credit card account

Thanks for all the info everyone. This is my oldest account, so I was a little concerned...but certainly not a crushing worry on my mind either. :happy Maybe I'll take a few mins to call the bank and ask if they can keep it open. We have 2 cards that are basically our emergency cards...they don't re...
by guitarguy
Tue Jan 13, 2015 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Notice: we're closing your credit card account
Replies: 11
Views: 2378

Notice: we're closing your credit card account

So I have a credit card that's been open for a while that we don't really use anymore. I got a notice in the mail that says they're going to close the account for inactivity, etc. Will this (negatively) affect my credit score? They said I could call to discuss if needed...so hopefully if it will be ...
by guitarguy
Fri Jan 09, 2015 6:20 pm
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

We're shooting for a place in West/South Yarmouth...right on the beach just east of the Parkers River. For a special anniversary dinner I'd highly recommend Ocean House in Dennisport , call ahead and request a table by the window ; if you go North from where you are and pick up Rte. 28 East you'll ...
by guitarguy
Fri Jan 09, 2015 2:55 pm
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

Yarmouth is a great choice !! Have fun !! PS : Google "Cape Cod and Nantucket Sound Beaches" , if you're staying near Rte. 6A the beach is probably on CC Bay (colder) , if S.Yarmouth or E.Yarmouth then it's the Sound (warmer) :D Thanks! We're shooting for a place in West/South Yarmouth......
by guitarguy
Fri Jan 09, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

Thanks so much for all the info everyone! Looked at some places in Chatham and on Nantucket...some interesting options but wife really loves LOVES the view and the fact that the cottage in Yarmouth is right on the ocean, step off the back deck and onto the sandy beach, and it's apparently on "t...
by guitarguy
Fri Jan 09, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Re: Wedding Anniversary in Cape Cod

Re: swimming. The ocean side is likely to be cold, but the bay side might be slightly warmer, but still cold. Of course, that depends on what you're used to. A person from Maine might not think it's cold. :D That's what I was pretty much thinking...borderline off season. Of course, we're from Metro...
by guitarguy
Fri Jan 09, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: Wedding Anniversary in Cape Cod
Replies: 40
Views: 2876

Wedding Anniversary in Cape Cod

Hi Everyone, Wife and I are planning a long weekend getaway for our 5-yr wedding anniversary. After trips to Boston, Chicago, and San Fran in 2014, we're thinking a more relaxing and laid back small cottage rental or something like that would be fun and we're thinking Cape Cod might be perfect. Look...
by guitarguy
Tue Jan 06, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: Adult 3-Couple Getaway
Replies: 4
Views: 1336

Adult 3-Couple Getaway

Hi All, My wife and 2 of the couples we are friends with are looking to go on a little getaway this June/July. One of the couple is saving up to get married in the fall so looking to stay on a reasonable budget and rent a 3-bedroom house, condo, cottage, etc. If we could at or near $1500 for 6-7 day...
by guitarguy
Fri Dec 19, 2014 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Switching to no-fee AMEX
Replies: 6
Views: 1082

Re: Switching to no-fee AMEX

He doesn't have to close the account -- just call AmEx customer service. They can change his account to a different type of card that doesn't have an annual fee. (Blue Cash Everyday might be a good option, for example.) No impact on the credit history at all, then. This. But...which card does he ha...
by guitarguy
Fri Dec 19, 2014 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: On average, how often do you check your investment balances?
Replies: 53
Views: 3573

Re: On average, how often do you check your investment balan

I put monthly because the poll asked about investments specifically. I track our investment balances and such on a monthly basis.

I check bank accounts and credit cards and such daily to keep my budget up to date and also for security.
by guitarguy
Fri Dec 19, 2014 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA question
Replies: 12
Views: 1383

Re: HSA question

Say I contribute $5k on December 31, 2014 and that reduces my gross income which I benefit from on my 2014 taxes. I then withdraw that same $5k on January, 1st from qualified medical expenses in previous years. I just don't understand how someone can't just keep putting in and then removing the sam...
by guitarguy
Fri Nov 07, 2014 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Large Tax Deductible Business Expense
Replies: 1
Views: 267

Large Tax Deductible Business Expense

Hi all, I am planning to make a large tax deductible business expense. Is there a good rule of thumb as to making this purchase at the end of the year vs the beginning of the following year? Is there any benefit to waiting vs buying now...other than just "whatever year you want the deduction in...
by guitarguy
Wed Aug 20, 2014 6:37 am
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 838

Re: HSA Questions

Thanks for the replies everyone. Just want to make sure because we end up coming out very slightly ahead with standard deductions over itemizing. This caught my eye. Such a situation calls for bunching of deductions into every other year, so one year you do the standard deduction and the next year y...
by guitarguy
Tue Aug 19, 2014 9:26 am
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 838

Re: HSA Questions

Hi I would not contribute from my personal savings account to HSA account to avoid any Tax hassles later on. What type of hassle would I risk getting into? As I understand it plain as day, contributions can be made by either method and either one is perfectly acceptable. I just wasn't sure how the ...
by guitarguy
Tue Aug 19, 2014 6:52 am
Forum: Personal Finance (Not Investing)
Topic: HSA Questions
Replies: 10
Views: 838

HSA Questions

Probably easy elementary questions here regarding HSA contributions. I make a contribution via payroll deduction normally. But...wife needs a root canal...$1k...and we yet have the funds in the HSA account to cover it. From what I understand, I can contribute on my own (out of our savings account) t...
by guitarguy
Wed Jul 30, 2014 11:59 am
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 61
Views: 5939

Re: Dumb 3rd grade math question about beach house rental

I have done this several times and in all cases given a discount to folks who stayed less than the full rental period. I would do it the way several posters suggested: $10,000/10 = $1000 per night cost. 8 nights split 3 ways 2 nights split two ways. Yep. This is how I'd do it. Couple 1: $3666.67 (1...
by guitarguy
Fri Jun 13, 2014 10:57 am
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9461

Re: What Do You Eat For Snacks?

OP - When do you usually workout in relation to your meals? I think a "snack" to fill you up (tide you over until next meal) should be different than a post workout replenishment type "snack". Right after workout (within 30 mins) a ratio of 4:1 carbs to protein with very little f...
by guitarguy
Thu Jun 12, 2014 9:28 am
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3196

Re: Peppy V6 With Good Fuel Economy

I recently bought a 2013 Chevrolet Impala LTZ (fully loaded model) with 25k miles from Hertz for $14k. I was looking for a larger sedan with a V6 and good fuel economy for a good price. I found it with this car for sure. The prices are great because there are so many available, and for what I was l...
by guitarguy
Thu Jun 12, 2014 9:09 am
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 385
Views: 67001

Re: Pull-ups and Push-ups

I'll chime in...my wife and I just started back up with bodyweight (along with some light dumbells, a pullup bar, and rings) workouts twice per week, along with lots of walking and eating a pretty strict Paleo diet (100% for 30 days for the Whole30 and then probably at least 80/20 thereafter). Our m...
by guitarguy
Thu Jun 12, 2014 7:10 am
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 3196

Re: Peppy V6 With Good Fuel Economy

I recently bought a 2013 Chevrolet Impala LTZ (fully loaded model) with 25k miles from Hertz for $14k. I was looking for a larger sedan with a V6 and good fuel economy for a good price. I found it with this car for sure. The prices are great because there are so many available, and for what I was lo...

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