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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: 13
Views: 1291

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: 814

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: 814

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: 4470

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: 1286

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: 5492

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: 3344

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: 5492

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: 2269

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: 1964

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: 1280

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: 3136

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: 6607

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: 406

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: 406

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: 46
Views: 3422

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: 61
Views: 5241

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: 61
Views: 5241

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: 7636

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: 621

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: 871

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: 10987

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: 2604

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: 2950

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: 9469

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: 3156

Re: Home battery storage

by rec7
Fri Dec 12, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Home battery storage
Replies: 21
Views: 2223

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: 6718

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: 4901

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: 4901

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: 6718

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: 6718

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: 619

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: 5587

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: 770

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: 16666

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: 10350

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: 2043

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: 954

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: 10350

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: 10350

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: 5553

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: 5553

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: 5553

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: 2218

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: 5553

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: 19868

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: 5553
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