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Re: Hate where we live, do we make major changes?

I like it Cold, Peaceful and Quiet in Northern New England U.S. Crime Index State Rank Higher crime index value means more crime. Rank Crime Index ▼ State / Population 1. 3,774 District of Columbia / 601,723 2. 2,297 South Carolina / 4,625,364 3. 2,259 New Mexico / 2,059,179 4. 2,233 Tennessee / 6,...
by rec7
Sun Mar 29, 2015 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 81
Views: 5510

Re: Hate where we live, do we make major changes?

I can't thank you all enough for the varied perspectives. Let me clear up a few things. I live in Western NY (I'm not sure where "upper" came from, my bad). Cold weather rolls in by late Oct, and doesn't roll out until April, on average. Right now there's still snow on the ground, the win...
by rec7
Sun Mar 29, 2015 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 81
Views: 5510

Re: Hate where we live, do we make major changes?

I live in Missouri not great weather but better than yours in upper NY. But it is cheap here. I would be careful about moving to far south. I will not go south of Missouri unless it is out west. Humidity can be a bear. I would not mind spending the summers in North Dakota.
by rec7
Sun Mar 29, 2015 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 81
Views: 5510

Re: Reorganizing credit cards and accounts

I just canceled four cards. Some people will scream about that but my score is still 795. I am trying to make my life more simple.
by rec7
Fri Mar 27, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 2641

Re: Which credit union are you a member of?

I wonder why Montauk Credit Union in NYC only has 3700 members? Any ideas? It has been around since 1922.
https://www.montauk-cu.com/about.asp#history
by rec7
Sat Mar 21, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4672

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by rec7
Fri Mar 20, 2015 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4672

Re: Which credit union are you a member of?

Penfed (agree with the primitive website comments), which I mostly use for their rewards Visa. [u] Also USAA which like others I consider nearly a CU. [/u] I use it mostly has my checking account as longer term cash is held elsewhere. I really like USAA's ATM refunds and the ability to scan checks ...
by rec7
Thu Mar 19, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4672

Re: Tax question I forgot to include the $7 dividends my IRA

I know they are not taxable but do you report them each year?
by rec7
Tue Mar 17, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 483

Tax question I forgot to include the $7 dividends my IRA ear

Tax question I forgot to include the $7 dividends my IRA earned in 2014. Do I have to redo my taxes?
by rec7
Tue Mar 17, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question I forgot to include the $7 dividends my IRA ear
Replies: 3
Views: 483

Re: When you put some credit cards in a drawer and not use t

I have also heard they will not close a card with a positive balance credit on it. I don't know if this is true but for .02 a card I will give it a try.
by rec7
Mon Mar 09, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1870

Re: Keurig-cup coffee makers - why?

Here's a question to drip coffee users who use the paper filters. I use a Mr. Coffee at night to program my morning brew and I use a reusable filter. I noticed no drip coffee users mentioned using one. Are the paper filters superior to the gold filter? I'm actually a very new coffee maker user so I...
by rec7
Mon Mar 09, 2015 9:34 am
 
Forum: Personal Consumer Issues
Topic: Keurig-cup coffee makers - why?
Replies: 139
Views: 12354

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Give Stop acting rich a try. It is a great book.
by rec7
Sun Mar 08, 2015 4:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 73
Views: 11349

Re: When you put some credit cards in a drawer and not use t

Thanks everybody it sounds like most companies leave them open.
by rec7
Sun Mar 08, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1870

When you put some credit cards in a drawer and not use them

When you put some credit cards in a drawer and not use them do some companies close them and some not?
by rec7
Sat Mar 07, 2015 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you put some credit cards in a drawer and not use them
Replies: 17
Views: 1870

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Very very sad. His books are my second favorite behind the Bible. I loved Millionaire Next Door and Stop Acting Rich. On a side note, what is the difference between these two books? I have read Millionaire Next Door, but the title "Stop Acting Rich" made me think it was similar subject ma...
by rec7
Mon Mar 02, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 73
Views: 11349

Re: Tom Stanley-Millionaire Next Door Author Killed in Auto

Very very sad. His books are my second favorite behind the Bible.
I loved Millionaire Next Door and Stop Acting Rich.
by rec7
Mon Mar 02, 2015 4:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tom Stanley-Millionaire Next Door Author Killed in Auto Acci
Replies: 73
Views: 11349

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: 31
Views: 5403

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: 1478

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: 33
Views: 2031

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: 1291

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: 1184

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: 10550

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: 4124

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: 1126

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: 4452

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: 10550

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: 3774

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: 940

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: 940

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: 4723

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: 1330

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: 5642

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: 3558

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: 5642

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: 2431

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: 2011

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: 1439

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: 3332

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: 6855

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: 414

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: 414

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: 4941

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: 5659

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: 5659

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: 7740

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: 634

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: 878

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: 11536

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: 2769
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