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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: 76
Views: 3408

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: 2908

Re: Home battery storage

by rec7
Fri Dec 12, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 1993

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: 5913

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: 4821

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: 4821

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: 5913

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: 5913

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: 2
Views: 387

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: 5436

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: 756

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: 16556

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: 9687

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: 18
Views: 1661

Re: How do I find a part of an old car?

Try a dodge dealer a few years ago I could still buy parts for my 1992 dodge.
by rec7
Tue Nov 25, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: How do I find a part for an old car?
Replies: 10
Views: 936

Re: Favorite nonfiction books

The Bible Is this the only "non-fiction" you read? I have read many other non-fiction books but The Bible is my favorite. I have read most of these but the Bible is number one for me. Investor's Manifesto The Millionaire in You The Wall Street Journal Guide to Planning Your Financial Futu...
by rec7
Tue Nov 25, 2014 1:10 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9687

Re: Favorite nonfiction books

The Bible
by rec7
Tue Nov 25, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9687

Re: My Health care monthly premiums doubled after ACA

Funny you say that because the new plan is from BCBS.
by rec7
Mon Nov 24, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4133

Re: My Health care monthly premiums doubled after ACA

tfb wrote:
rec7 wrote:It went from $115 to $205 not quiet a double. My income is under 12k so no subsidy.

You can easily create some income by converting some pre-tax money to Roth. If you bump your income up just a little bit you will also get a lower deductible and co-pay.


If I had some pre-tax money. LOL
by rec7
Sun Nov 23, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4133

Re: My Health care monthly premiums doubled after ACA

My Health care monthly premiums doubled after ACA. Did any of you have that happen to you. I am kind of shocked I thought it would go up but not like that. I just got a letter that my old insurance is letting me go. I think my old plan does not met the ACA standards. I am confused. Did your rate do...
by rec7
Sun Nov 23, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4133

Re: Do you use a phone book?

Yes several times a year. But they were sending five books a year I picked they best one and told them not to send the other fours. I am happy now. I always found that a little strange how out of date can a phone book get in only one year? I think a book could be used for two to three years.
by rec7
Sun Nov 23, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2137

Re: My Health care monthly premiums doubled after ACA

Rec7, unless your governor refused to allow it, you should be covered by state Mericaid. That's why people below a certain salary aren't eligible for ACA primaries, because they're eligible for Medicaid. The problem comes if your state is one that refused to extend the program under the ACA. Missou...
by rec7
Sun Nov 23, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4133

Re: Bogleheads, tell me about your 40's?

In your 40's when you smile at pretty young ladies they just laugh.
by rec7
Sun Nov 23, 2014 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 17256

Re: My Health care monthly premiums doubled after ACA

It went from $115 to $205 not quiet a double. My income is under 12k so no subsidy. My old insurance was like the catastrophic plan that is offered now. The coverage was close in both plans but I need to come up with $1600 more for the deductible.
by rec7
Sun Nov 23, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4133

My Health care monthly premiums doubled after ACA

My Health care monthly premiums doubled after ACA. Did any of you have that happen to you. I am kind of shocked I thought it would go up but not like that. I just got a letter that my old insurance is letting me go. I think my old plan does not met the ACA standards.
by rec7
Sun Nov 23, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4133

Re: Affordable funeral options in new jersey

http://www.funerals.org/affiliates-directory#NJ You will have to dig on the net some but this will save them a lot of money. Look for something like this http://fcaprinceton.org/wp-content/uploads/2014/09/Immediate-Burial-Prices-2013.pdf I don't know about which city you are near so you will have to...
by rec7
Sat Nov 22, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable funeral options in new jersey
Replies: 2
Views: 323

Re: Is investing more risky today today than before the inte

I would guess more risky because people can sell so easy.
by rec7
Mon Nov 17, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 3478

Re: Investing in Chocolate? New to all of this.. need help.

Forget about Chocolate other than in your hot chocolate or latte. Only sip your chocolate investments like me.
by rec7
Mon Nov 17, 2014 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Chocolate? New to all of this.. need help.
Replies: 23
Views: 3316

Re: What Book Are You Currently Reading? Part VI

The Holy Bible I read four chapter a day that is reading the whole Bible with many days to spare each year. Of course when I finish I just start over in Genesis. I do this each year. Since I started three years ago I have lost interest in reading other books.
by rec7
Sun Nov 16, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 254
Views: 30649

Re: Food Frugality: Where do you draw the line?

jlawrence01 wrote:^^^^

In Amish areas, there are a good number of surplus grocers that sell organics for a fraction of the mega-supermarket chains.



Anyone know of a surplus grocer in an Amish area of Missouri?
by rec7
Thu Nov 13, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7646

Re: Investing Advice on the Radio - Wish they would go away

Turn your wife on to Clark Howard.
by rec7
Thu Nov 13, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing Advice on the Radio - Wish they would go away
Replies: 22
Views: 2501

Re: Good books about Warren Buffett?

This thread will be actionable when I order the book from the library.
by rec7
Wed Nov 12, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 1055

Re: Local bank without any checking account fees?

My friend it sounds like you are looking for a good local credit union. http://creditunionaccess.com/TX-Houston ... unions.htm

I would call some of the larger ones I am sure they can help you.
by rec7
Mon Nov 10, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2849

Re: Brother involved with golddigger

An Immediate annuity might be the answer for him. That would help some with a golddigger. At least she would not be able to get to a big pile of money all at once.
by rec7
Sun Nov 09, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Brother involved with golddigger
Replies: 37
Views: 8429

Re: When do you buy a new home computer?

This is my longest running desktop a dell running 7 years. Tomorrow I am taking my Dell desktop that I bought in 2000 to the electronics recycler. I decommissioned it in the spring when XP went off support. I probably could have run it longer with Linux but the video card didn't work (second one th...
by rec7
Fri Nov 07, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4577

Re: When do you buy a new home computer?

This is my longest running desktop a dell running 7 years.
by rec7
Fri Nov 07, 2014 4:27 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4577

Re: Uber Car and the real cost of driving

Do the Uber drivers compete on price with each other? I have not used uber.
by rec7
Fri Nov 07, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2967

Re: Uber Car and the real cost of driving

Can you use an old car and be a uber driver? I am guessing insurance would be expensive.
by rec7
Fri Nov 07, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 32
Views: 2967

Re: Oil change costs--dealer vs other

A local shop does it for $20-$22 The last time I bought the filter and they did it for $18
by rec7
Fri Nov 07, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2575

Re: Sitting on the fence to retire...

Looks good but I was not able to enter stock and bond % maybe it is not working right now. try making the page wider, and refresh or run one sim and get the error -- the boxes have numbers in them but they are too narrow in my default broswer width, but get wider afterwards. That's the correct answ...
by rec7
Thu Nov 06, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2023

Re: Sitting on the fence to retire...

zaboomafoozarg wrote:
HoosierJim wrote:Run some scenerios yourself at Firecalc


Or cfiresim.com - I find that one is easier to view and edit, because it puts everything on a single page.


Looks good but I was not able to enter stock and bond % maybe it is not working right now.
by rec7
Thu Nov 06, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Sitting on the fence to retire...
Replies: 21
Views: 2023

Re: Planning to Retire at 55

tainted-meat wrote:Man, I could live high on the hog with that pension alone. Nice!


So true I could live good on that with no other money. Pensions are great if you are lucky enough to have one.
by rec7
Thu Nov 06, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Planning to Retire at 55
Replies: 22
Views: 3481

Re: What do you set your thermostat to (in F)?

Gill wrote:At the moment, it is completely off - no heat and no air conditioning.
Gill


That is my favorite time of the year but here in Missouri that is about 3 months total a year. 1.5 months each in the spring and fall.
by rec7
Tue Nov 04, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4619

Re: What do you set your thermostat to (in F)?

65 feel good to us.
by rec7
Tue Nov 04, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4619

Re: Very few kids in our neighborhood-Thoughts?

No kids in our neighborhood when we moved in but 25 years later I know where 7 live. Neighborhoods do this as they age. We moved into a neighborhood that was 28 years old at the time.
by rec7
Tue Nov 04, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Very few kids in our neighborhood-Thoughts?
Replies: 29
Views: 3349

Re: Homeowners Policy Increased 26% in 2 Years

It would be a blessing not to buy insurance. Maybe if a person had a cheap house they could only buy car insurance.
by rec7
Tue Nov 04, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2613

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me. Of course it does since it is a balanced fund. M* reports it is 23% cash, 13% bonds. One could find an index fund with similar asset allocation or one could build their own index fund portfolio with a similar asset allocation. It...
by rec7
Sat Nov 01, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 951

Re: Would you invest in taxable active funds if you had no i

This fund does very well in bears and that might be worth more to me. Of course it does since it is a balanced fund. M* reports it is 23% cash, 13% bonds. One could find an index fund with similar asset allocation or one could build their own index fund portfolio with a similar asset allocation. It...
by rec7
Sat Nov 01, 2014 6:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you invest in taxable active funds if you had no incom
Replies: 15
Views: 951
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