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Re: List of favorite accounts

I am doing some laughing here because I do a lot of these or have heard of them. You can tell I spend a lot of time on Bogleheads. LOL By doing several of these things I am saving thousands per year.
by rec7
Thu Feb 26, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 29
Views: 3255

Re: Credit Card accounts (leave open or close?)

Toons wrote:I have 3 credit cards in a drawer that I haven't used in a real long time.
I never consider closing the accounts. :happy


Some companies will close them after a year but not all.
by rec7
Thu Feb 19, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card accounts (leave open or close?)
Replies: 26
Views: 1377

Re: Overfilled Oil in Car - Cause of Oil Leak?

My car was overfilled once by a quart and it did not hurt it.
by rec7
Sat Feb 14, 2015 11:53 am
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1555

Re: Amica auto insurance quote very high?

I have a car I drive very little ( well under 5,000 miles/year, I only drive occasionally on weekends and I do not drive to work). I'm shopping around a little to see if I can get a lower rate on auto insurance. Some basic info: I have a 5 year old sedan, owned outright. No moving violations or col...
by rec7
Wed Feb 11, 2015 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Amica auto insurance quote very high?
Replies: 15
Views: 1248

Re: AAA Car Batteries

I think I got 39 months out of my last (auto store) battery. I buy the ones with a three years warranty but they go just a little bit past that. I wonder if they are made as good today as years past?
by rec7
Sun Feb 08, 2015 2:53 pm
 
Forum: Personal Consumer Issues
Topic: AAA Car Batteries
Replies: 12
Views: 1156

Re: How to respond when someone asks how much money you make

FredL wrote:You may not realize in some culture asking how much you make is common.


Which countries are this open?
by rec7
Fri Feb 06, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10332

Re: What exactly is "wealthy?"

The show untold wealth might help
http://www.hulu.com/watch/69479
by rec7
Tue Feb 03, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4035

Re: Are Checking Accounts National?

Why not set up a credit union at your new location. Close the bank account when you leave. Or if you need something in both locations set up a credit union in each. It is easy to move money from one credit union to another. I can do it in one day.
by rec7
Sun Feb 01, 2015 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are Checking Accounts National?
Replies: 13
Views: 1112

Re: Good Wines

What do you folks think of Mogan David concord wine? It tastes good.
by rec7
Sat Jan 31, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4389

Re: How to respond when someone asks how much money you make

pennstater2005 wrote:I just make up a number that I think will bother them the most :twisted:


I use to do that at one of my jobs. It was funny how some people would get worked up about it. We made $10 an hour I would tell all the coworkers that asked I made $20 a hour.
by rec7
Sat Jan 31, 2015 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: How to respond when someone asks how much money you make?
Replies: 107
Views: 10332

Re: Your Minimum Annual Expenses

We are at 17k so there is not much that we could cut. We just don't spend a lot.
by rec7
Thu Jan 29, 2015 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3682

Re: Income on credit card application for high assets/low in

The Wizard wrote:
rec7 wrote:I have found out that banks and credit union don't care about assets only income.

For mortgage loans and car loans, yes, but credit cards are a bit different...


I tried for a credit card with an 8k line and was turned down. I had many 8k's in the bank but had a low income.
by rec7
Thu Jan 29, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 918

Re: Income on credit card application for high assets/low in

I have found out that banks and credit union don't care about assets only income.
by rec7
Thu Jan 29, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Income on credit card application for high assets/low income
Replies: 21
Views: 918

Re: Retirement in Arizona - Seeking Advice

A lot of California people like Reno how about Reno?
by rec7
Wed Jan 21, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4683

Re: Closing unused credit cards - should I do it?

How long does it take them to close a card once you stop using it?
by rec7
Wed Jan 21, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards - should I do it?
Replies: 16
Views: 1311

Re: Florida in the summer

Bustoff wrote:
Swampy wrote:If you come here in summer, you will never come back to Florida - and you would really miss out on how great it is the rest of the year.

I can't believe Florida summers could be much worse than Missouri in July and August.


It might not be worse but it lasts months longer than Missouri.
by rec7
Mon Jan 19, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5597

Re: Instant coffee

Just be careful about drinking a lot of instant coffee or coffee I read that their might be a cancer link.
http://www.curezone.com/forums/am.asp?i=1728176
by rec7
Sun Jan 18, 2015 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Instant coffee
Replies: 34
Views: 3476

Re: Florida in the summer

I went to Florida in April and it felt like August in Missouri. I thought Missouri was humid. LOL
by rec7
Sun Jan 18, 2015 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5597

Re: Why I like this forum

I love the helping spirit of this forum. On other forums others jump on you quick to put you down if you make a mistake. Not here people on this forum WANT to help others.

Thanks everybody
by rec7
Sun Jan 18, 2015 12:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Why I like this forum
Replies: 34
Views: 2385

Re: Good for property value ?

I would think it would not be good for property value. People might think there is crime around your area even if it is not true.
by rec7
Tue Jan 13, 2015 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Good for property value ?
Replies: 20
Views: 1992

Re: POLL: For those under $20/month/$100k: What Insurance Co

Thanks for posting this I think it will be helpful to others.
by rec7
Mon Jan 12, 2015 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: For those under $20/month/$100k: What Insurance Comp?
Replies: 11
Views: 1414

Re: POLL: Homeowners Ins cost $/month per $100k home value?

I am guessing that folks in sub 100k houses pay more per 100k of insurance than those in the more expensive houses.
by rec7
Sun Jan 11, 2015 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Homeowners Ins cost $/month per $100k home value?
Replies: 42
Views: 3238

Re: Cancel Homeowner's Insurance?

Wow. As for health insurance, you really want to risk a truly huge medical bill if you have major stroke or such...? I am a surgeon and I know the health industry pretty well. I am comfortable dropping my health insurance. I used to have catastrophic insurance that no longer exists (Thanks Obamacar...
by rec7
Tue Jan 06, 2015 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6662

Re: Need advice about AT&T and a subcontractor

I have nothing in writing from AT&T and the subcontractor about their alleged intent to fix this, and, importantly, their acknowledgement of responsibility. The subcontractor keeps telling me he will fix it on the phone but does not ever shows up. I have not been able to get AT&T to call me ...
by rec7
Tue Jan 06, 2015 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice about AT&T and a subcontractor
Replies: 4
Views: 407

Need advice about AT&T and a subcontractor

AT&T hired a subcontractor to put a thick phone or fiber cable under my yard about 1.5 years ago. In the process the subcontractor hit an underground spring. The spring runs across my yard year round and causes problems cutting the grass or even walking across the yard. It turns that area very m...
by rec7
Tue Jan 06, 2015 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Need advice about AT&T and a subcontractor
Replies: 4
Views: 407

Re: Test drive new vehicle without sales pressure?

Many years back, when I had a Toyota Tercel, literally on its last legs, I took it into the dealership. Since I suspected it might be beyond fixing (it was not, as it turned out), I asked if I might drive one of the new Toyotas. Just a "test", as it were. I told the salesperson I really w...
by rec7
Fri Jan 02, 2015 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 4742

Re: Best albums from 2014?

This song from the Unashamed album picks me up every time I hear it.
https://www.youtube.com/watch?v=d8mC5Uaikaw
by rec7
Thu Jan 01, 2015 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5573

Re: Best albums from 2014?

Brian Free & Assurance - Album Unashamed Here is the title cut https://www.youtube.com/watch?v=R9TAL2DMer0 I love it. I am guessing I have played the title cut 70 times at least. Another great one from the same album https://www.youtube.com/watch?v=d8mC5Uaikaw I just heard this song a few days a...
by rec7
Wed Dec 31, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: Best albums from 2014?
Replies: 63
Views: 5573

Re: Do you usually order beverage at restaurants?

Many times I will bring a drink into the restaurants. I like it better and it is much cheaper. Most restaurants don't care if you do.
by rec7
Sun Dec 28, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7679

Re: Asking for credit limit increases

livesoft wrote:Ask for $25,000 or more. $5,000 is what they give to unemployed college students nowadays what with inflation and all.


I just got a card for 2k and I have no debt so they are tighter than you think. I would love to know what percent of income to ask for to.
by rec7
Fri Dec 26, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asking for credit limit increases
Replies: 8
Views: 630

Re: Will local credit unions negotiate on loan rates?

Sometimes if it is another in town place they are going up against. But not an out of town place many times.
by rec7
Fri Dec 26, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Will local credit unions negotiate on loan rates?
Replies: 5
Views: 875

Re: What % of net worth is your home?

chaz wrote:2.6%.


That should be my goal.
by rec7
Tue Dec 23, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 11112

Re: How to make a long bet on Crude Oil

How about the Vanguard Energy Fund Investor Shares?
by rec7
Mon Dec 22, 2014 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 28
Views: 2713

Re: Christian CU Certificates %5.00 12-Months

Looks good but I am a different denomination that is not listed. It has been around since 1957.
by rec7
Sun Dec 21, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Christian CU Certificates %5.00 12-Months
Replies: 20
Views: 3009

Re: How do you define "being rich"?

Good video on the "being rich" https://www.youtube.com/watch?v=p5X5lPTA-kc
by rec7
Sat Dec 20, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9550

Re: How do you figure out the best location to buy a house?

I look at areas with low crime and low prices.
by rec7
Mon Dec 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 3270

Re: Home battery storage

by rec7
Fri Dec 12, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 2231

Re: Credit card sign-on bonuses -- worth the trouble?

But how do people spend so much (3k in 2 months) to get the bonuses? Especially if you apply more than 1 at a time? I do see the rewards but I dont know if I have the time to go through the hoops. That is one reason I dont go to Fat wallet site because there are some crazy methods mentioned out the...
by rec7
Thu Dec 11, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 7939

Re: I Can't Smell The Coffee

Get a women.....The coffee they make in the morning smells wonderful.... and there are other benefits.........Gordon Got one, and she does make good coffee! Just don't want her living with me! :D You guys get me laughing at times. But for coffee I like one of these http://www.rakuten.com/prod/porce...
by rec7
Wed Dec 10, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4921

Re: I Can't Smell The Coffee

Get a women.....The coffee they make in the morning smells wonderful.... and there are other benefits.........Gordon Got one, and she does make good coffee! Just don't want her living with me! :D You guys get me laughing at times. But for coffee I like one of these http://www.rakuten.com/prod/porce...
by rec7
Tue Dec 09, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4921

Re: Credit card sign-on bonuses -- worth the trouble?

Personally I have a bit of a moral aversion to churning credit cards, ie taking $400+ sign up bonuses and cancelling over and over, but I have got a ton of money from sign up bonuses -- I just do it with cards I plan to use. I've probably got about 2k worth of sign up bonuses from 5 cards and I'll ...
by rec7
Sat Dec 06, 2014 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 7939

Re: Credit card sign-on bonuses -- worth the trouble?

I did a few but after that I did not think it was worth the trouble.
by rec7
Sat Dec 06, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card sign-on bonuses -- worth the trouble?
Replies: 83
Views: 7939

Re: Consumers Credit Union - Any reviews

Looks like it would take 24 debit card uses a month that is a lot. Also Spend $1000 or more in CCU VISA purchase transactions, regardless of the number of purchases http://www.myconsumers.org/personal/checking/free-rewards-checking.html As long as you can do this it looks good. I could not meet this...
by rec7
Fri Dec 05, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consumers Credit Union - Any reviews
Replies: 3
Views: 638

Re: Avoiding lifestyle creep

If it were me I would pay 9k each year extra on the mortgage. You might be able to knock out the mortgage in 10 years. Then it might not be a big deal if your husband did not work to much. Maybe I should have been your husband that sounds like a good gig. LOL Lower bills equals less work needed. Car...
by rec7
Thu Dec 04, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding lifestyle creep
Replies: 30
Views: 5607

Re: Self Reliance Federal Credit Union NYC

They are very selective.
by rec7
Thu Dec 04, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Self Reliance Federal Credit Union NYC
Replies: 3
Views: 779

Re:

I worked multiple jobs full-time and attended college part-time. When I graduated, I had ten-year before my instructors had tenure. One day, about half way through my education, I approached the financial aid office for a loan so I could quit working and go to school full time. They said I didn't q...
by rec7
Wed Dec 03, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving money to your alma mater: Have to vent
Replies: 166
Views: 16700

Re: Favorite nonfiction books

cheese_breath wrote:
rec7 wrote:The Bible

+1

Three chapters every day.


That's cool cheese. I am reading four chapters a day of the Douay–Rheims Catholic Bible is a little bigger and that puts me on course to read the Bible in about one year. I know the same is true with the King James at three chapters a day.
by rec7
Mon Dec 01, 2014 5:33 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10550

Re: Industrial stainless steel coffee maker

4nursebee wrote:OMG, is there melted plastic in my coffee?


I am sure there is in most of our coffee but it will take many years to kill us.
by rec7
Thu Nov 27, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Industrial stainless steel coffee maker
Replies: 19
Views: 2061
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