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Re: Best Bank for Checking Account

Another satisfied Fidelity Cash Management Account user here. Check it out.
by tbradnc
Tue Mar 24, 2015 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Checking Account
Replies: 29
Views: 2546

Re: Is PagePlus Cellular Being Shut Down?

We're paying for 4 phones with Verizon, 10 GB shared data, unlimited talk/text: Total with tax - $262.35 or $65.59 for each line.

Still have between 2 months and 20 months on contracts on the 4 iphones.
by tbradnc
Mon Mar 23, 2015 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 14
Views: 2450

Re: A great shave at a great price

Jack FFR1846 wrote:I recently decided to stop shaving. At 5 minutes a day, that's 30.4 hours a year. I have better things to do with that time. I will also save money.


What are you going to do with all that free time? :)
by tbradnc
Sat Mar 21, 2015 5:46 am
 
Forum: Personal Consumer Issues
Topic: A great shave at a great price
Replies: 49
Views: 5503

Re: Opening a new credit card AND improving credit score

My Equifax credit score was 808 until I opened a CIti Doublecash rewards card last month and it dropped to 779.

I'm not concerned since I won't be needing to apply for credit anytime soon and 779 is still pretty good.
by tbradnc
Sat Mar 21, 2015 5:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Opening a new credit card AND improving credit score
Replies: 5
Views: 766

Re: Hearse as daily driver?

I no longer feel like my questions are strange. :)
by tbradnc
Fri Mar 20, 2015 6:56 pm
 
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 3681

Re: Citibank credit card Which credit agency to unfreeze ?

I applied for the Citi Cash Rewards card and had to unfreeze Experian. One of my wife's friends works as a credit card customer support rep and she says that Citi uses all 3 agencies depending on where you're located.

We live in eastern Tennessee.
by tbradnc
Thu Mar 19, 2015 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Citibank credit card Which credit agency to unfreeze ?
Replies: 9
Views: 957

Re: NFCU Certificate offer

I purchased a 1 year certificate paying 1.35% after the 0.50% promo boost - Ally is currently paying 0.99%. EWP at NFCU for 1 year or less certificates is 90 days interest. I did check and they had it set to rollover to another 1 year certificate upon renewal and dividends are added back to the cert...
by tbradnc
Thu Mar 19, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU Certificate offer
Replies: 4
Views: 882

Re: NFCU Certificate offer

Just a heads up - the Cert2015 promo code can only be used once. I purchased a certificate using the code and a few days later purchased additional certs and the applications were rejected because the code had already been used. They did agree to add the total amount of the additional certs to the o...
by tbradnc
Thu Mar 19, 2015 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU Certificate offer
Replies: 4
Views: 882

Re: Which credit union are you a member of?

No, they did eliminate the 0.25% cash reward on non-gas purchases but the 5% cash back on gas is still going...

https://penfed.org/Platinum-Cash-Rewards/
by tbradnc
Thu Mar 19, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4619

Re: Which credit union are you a member of?

Navy Federal and Pentagon Federal. Between the 2 of them there seems to always be some kind of special offer that's pretty good.

Pentagon Federal's ongoing Cash Rewards card with 5% cash back on gas purchases is great.
by tbradnc
Thu Mar 19, 2015 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 4619

Re: 15 yr cd, would you?

Based on this thread , Navy Federal Credit Union, pays 2.25% + 0.5% = 2.75% for a 7-year CD. Victoria They also offer a "special" 30 month certificate at 2.25%, min. deposit 10k, no max. I don't know if the .5% coupon is available for this offer, but if it is, and if EWP is generous, that...
by tbradnc
Wed Mar 18, 2015 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 yr cd, would you?
Replies: 17
Views: 2034

Re: What's a good digital antenna?

Our antenna is up and I've got my DirecTV components stacked up in the living room waiting on the shipping boxes to return them. The install fee for parts/labor was $550 so it'll take 8 months to break even but it was worth it IMO. I'm glad to be rid of another monthly bill. We get 18 channels OTA, ...
by tbradnc
Tue Mar 17, 2015 7:12 pm
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2102

Re: What internet speed is fast enough?

I was paying CenturyLink $71 a month for 10/1 DSL. I'm paying $69.95 (exactly) for 100/100 fiber. They also offer a 25/25 speed for $49.95 and 1GB for $199 per month (!). No contract, no install fee, if the equipment fails they'll replace it at no charge. It's a great deal. Those are fantastic spee...
by tbradnc
Tue Mar 17, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4413

Re: What's a good digital antenna?

Funny you should mention it! Right now at this very second 2 installers are mounting a rather large HD antenna with rotor to the side of our home. When it's finished I will be able to get about 18ish channels - that's what we were able to receive with the "test" mount. What kind of antenna...
by tbradnc
Tue Mar 17, 2015 1:13 pm
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2102

Re: Laptop: Windows based vs. Apple

I've used Macs for a decade now and wouldn't switch back to a Windows based machine unless I had no other choice. Another reason I like Apple products is that they play well together. We have iPhones, Macbooks, Apple TV, ipad, and an Apple Time Capsule for backup/router. It's amazing how well the de...
by tbradnc
Tue Mar 17, 2015 6:54 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5691

Re: Kotlikoff: When Should you Take Social Security?

How is this book different than "Social Security Made SImple" by Mike Piper?

I purchased that book and it was detailed enough to explain the various claiming nuances but simple enough to understand - I really enjoyed it and learned quite a bit.
by tbradnc
Mon Mar 16, 2015 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 220
Views: 19869

NFCU Certificate offer

Heads up on an offer available at Navy Federal Credit Union - purchase any certificate and use code "Cert2015" to add 0.50% more to the rate. I just moved a chunk of money I had sitting in Ally into a 1 year cert, advertised rate is 0.85% - after coupon it did indeed post at 1.35%. I read ...
by tbradnc
Mon Mar 16, 2015 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: NFCU Certificate offer
Replies: 4
Views: 882

Re: Best ways to save on electricity bill

We just received our electric bill. From January 16 - February 16 we used 558 kWh at a cost of $65.45 - not bad. We heat, cook, and heat water with natural gas. Our gas bill for February was $227 for 21,900 cu ft.
by tbradnc
Sun Mar 15, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Best ways to save on electricity bill
Replies: 58
Views: 6984

Re: My Greatest Weakness.

1) You will finally be free in life when you stop caring what most people think of you.....the only ones who count are your truest friends and your (sane) family members. . Even better was when I got to the place that I realized that I really did care what people think but it really, really doesn't...
by tbradnc
Sat Mar 14, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Greatest Weakness.
Replies: 37
Views: 5680

Re: Best Business Start-up?

Seriously, of all your ideas and with your $20k to invest I think the best one would be to buy a car, fix it up and detail it nicely and then sell it. Worse case at least you wouldn't lose all your money like you probably would with the app idea. My son and 2 of his friends pooled their money for th...
by tbradnc
Sat Mar 14, 2015 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Business Start-up?
Replies: 16
Views: 1174

Re: Pet insurance?

Is pet insurance like health insurance or is it more like dental insurance - which really isn't insurance IMO.
by tbradnc
Sat Mar 14, 2015 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 1907

Re: Best Business Start-up?

My 20 year old son is making good money buying cars, fixing and cleaning them up, and selling them. He has a sort-of-mentor helping him learn the ropes. I posted a thread about it here a few months ago.

And this is the kid I was worried about....
by tbradnc
Sat Mar 14, 2015 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Business Start-up?
Replies: 16
Views: 1174

Re: Where to purchase Windows? What version?

I'm generally not a complainer but I just read through this thread again to make sure I didn't miss anything and it made my head hurt a little. I guess it's our fault we don't have at hand what we need to reinstall Windows - a person should be proactive about these things and be prepared for the day...
by tbradnc
Sat Mar 14, 2015 8:44 am
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Re: tIRA rollover to HSA

jhfenton wrote:You can transfer IRA money to an HSA one time, but it counts toward your annual HSA contribution. So it's not really a way to get extra money into an HSA.


Always a catch.... :) Oh well.
by tbradnc
Sat Mar 14, 2015 8:14 am
 
Forum: Personal Finance (Not Investing)
Topic: tIRA rollover to HSA
Replies: 3
Views: 275

tIRA rollover to HSA

I just learned about the ability to do a once-in-a-lifetime rollover from an IRA to an HSA. My first thought was, "Cool.. another tax free way to get money out of our tIRAs." After thinking about it more there's no good reason to pre-emptively make this move is there? It seems like one wou...
by tbradnc
Sat Mar 14, 2015 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: tIRA rollover to HSA
Replies: 3
Views: 275

Re: Pet insurance?

We have 3 dogs as family pets and always 1 and sometimes 2 foster dogs - my wife and I both are active volunteers at our local animal shelter. Insuring 1 pet is a tossup IMO but paying premiums for 3 is out of the question so we choose to be uninsured.. I wouldn't hesitate to spend "thousands&q...
by tbradnc
Fri Mar 13, 2015 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 1907

Re: Where to purchase Windows? What version?

DSInvestor wrote:Try this Microsoft page:
http://www.microsoft.com/en-us/software-recovery


This looks like exactly what I need. I'll pick up a pack of blank DVDs tomorrow and have at it.

Wish me luck. :)

Thanks again everyone.
by tbradnc
Fri Mar 13, 2015 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Re: Where to purchase Windows? What version?

Have you tried hitting F8 when starting up the computer? I'm not sure if the recovery files are visible when you boot up on the regular C partition. When you hit F8, it does something to boot the PC off the recovery partition and if the recovery image and recovery software are still there, it shoul...
by tbradnc
Fri Mar 13, 2015 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Re: Where to purchase Windows? What version?

Well, after digging around I found a D:\recovery partition that was unfortunately empty. I'm going to guess this is where Dell put the files necessary to restore Windows. Going to the Control Panel, I found a couple of possibilities but nothing that would restore Windows without a physical copy. The...
by tbradnc
Fri Mar 13, 2015 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Re: Where to purchase Windows? What version?

Ok.. she's running Windows 7 "Home" edition and there is indeed a serial number on the bottom of the computer. The computer is a Dell Zino with 5GB ram.

Let me dig around a bit and I'll be back if I have any questions.

Thanks guys/gals.
by tbradnc
Fri Mar 13, 2015 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Re: Where to purchase Windows? What version?

Thanks. I'll dig around on her computer and see if I can figure how how to do a reinstall. I was thinking of reformatting her drive and getting rid of all the crap that has accumulated over the years.

Now might be a good time to switch her to an iMac.... :)
by tbradnc
Fri Mar 13, 2015 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Where to purchase Windows? What version?

I've only used Macs and OS X for many years. My wife uses MS Windows and is not a hardware or software person. She's using a Dell desktop that has Windows 7 and after years of clutter from installing and uninstalling games, kids downloading various adware, and whatever else the thing is practically ...
by tbradnc
Fri Mar 13, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2134

Re: What internet speed is fast enough?

For a few years, I had 100 Mbps through a private fiber optic company that got a grant to do our entire town. That was enough and I really loved it. I moved however so I'm back down to 4 or 5 Mbps which is fine but still is noticeable. Sounds very similar to where I live. Our sleepy little Appalach...
by tbradnc
Thu Mar 12, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: What internet speed is fast enough?
Replies: 51
Views: 4413

Re: What are some common misconceptions found in this forum?

I can't think of any. The dominant philosophy seems to revolve around index funds with a large contingent of 3ish fund soldiers manning the fort. Other viewpoints are accepted (or tolerated) to varying degrees from what I can tell. The biggest thing that always gets me are the folks who are quick to...
by tbradnc
Thu Mar 12, 2015 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 17027

Re: 15 or 30 year mortgage?

I would buy the house for cash and save/invest the amount I would be making in payments. I do my best to avoid all forms of installment debt particularly if they charge any interest.

Being debt free is a good feeling.
by tbradnc
Wed Mar 11, 2015 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 or 30 year mortgage?
Replies: 37
Views: 2728

Re: Understanding Roth conversions and question

Bonus question: Armed with this knowledge can I not also calculate the amount I would need to convert to create enough income to raise me above the Medicaid threshold (I live in a state that didn't expand) and qualify for the maximum subsidy amount? I do believe I'm on the verge of getting it... I'v...
by tbradnc
Mon Mar 09, 2015 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Re: Understanding Roth conversions and question

If so, that would allow me to convert $4138 without owing any tax. If your 2015 income is exactly the same, you can convert $4,138 in 2015 with no tax. You cannot convert anything now and apply that to your 2014 taxes. Thank you all! Now - last question - is a conversion as simple as a fund exchang...
by tbradnc
Mon Mar 09, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Re: Understanding Roth conversions and question

Looking at my return, my income for 2014 was made up of taxable interest and ordinary dividends, totaling $24,012. Deducing our HSA contribution of $7550 gives us an AGI on line 37 of $16,462. Am I correct in assuming that a rough approximation of the amount I'm trying to calculate can be obtained b...
by tbradnc
Mon Mar 09, 2015 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Re: Understanding Roth conversions and question

Taxable Income = AGI - deductions - exemptions. For 2015, standard deduction is $12,600 for MFJ and each exemption is $4000 Assuming MFJ, standard deduction and 2 exemptions, this would allow as much as 20,600 in AGI and still have ZERO Taxable income. How much you can convert without tax cost star...
by tbradnc
Mon Mar 09, 2015 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Re: Understanding Roth conversions and question

dbltrbl wrote:Run through any tax software for exact amount. I am guessing about $5300.00 but I would convert more like 10-15000 and pay tax on it. I am assuming both of you are under 65. TIRA you have to take RMDs not ROTH so pay 10% tax and be done with it.


I'm 53, she's 57.
by tbradnc
Mon Mar 09, 2015 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Re: Understanding Roth conversions and question

Thanks - I'll run the numbers through taxcaster and see what happens. I wasn't sure if there was a way you could just do a simple subtraction and know.
by tbradnc
Mon Mar 09, 2015 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Understanding Roth conversions and question

My wife and I have a fairly large amount of money (for us) in our traditional IRAs and I'm trying to understand Roth conversions. Here is my question: I know that when you convert money from a tIRA to a Roth you create income. For tax year 2014 I had no taxable income (line 43). Let's say my adjuste...
by tbradnc
Mon Mar 09, 2015 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 489

Re: Anyone Else Think Nest Thermostat is Buggy?

I installed a Nest, used it for a week or so and sent it back. I replaced it with an Ecobee SmartSI and love it.

There's a long thread on it here somewhere.
by tbradnc
Sun Mar 08, 2015 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Anyone Else Think Nest Thermostat is Buggy?
Replies: 30
Views: 2824

Re: Just cut my cable bill...

One of the best decisions I ever made was to get our broadband from a utility (DSL, phone company) instead of a cable provider. Once TV is bundled with internet it becomes a real hassle to make changes because inevitable keeping internet access while changing television program becomes horribly inte...
by tbradnc
Sun Mar 08, 2015 8:22 am
 
Forum: Personal Consumer Issues
Topic: Just cut my cable bill...
Replies: 58
Views: 5387

Re: I survived my initial performance improvement mtg. Now w

This is a difficult situation for you. My company was very small but over the years I had some interesting employee situations. As an owner/manager I hired people who could do what I needed, explained to them what needed to be done, and asked them what they needed from me to make it happen. I stayed...
by tbradnc
Sat Feb 28, 2015 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 4534

Re: Safety of Vanguard online access

Googling around a bit there is some discussion about the value of frequently changing passwords. Note I'm making a couple of assumptions: 1. You use a different password for every site. 2. You're using a strong password. Here's one: https://www.schneier.com/blog/archives/2010/11/changing_passwo.html...
by tbradnc
Thu Feb 26, 2015 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1760

Re: Safety of Vanguard online access

I've never understood why there is a recommendation to change a password ever so often.
by tbradnc
Thu Feb 26, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Safety of Vanguard online access
Replies: 28
Views: 1760

Re: Beer sales in PA supermarkets? Is this allowed now?

A bit off topic but I've lived in the south all my life and this summer when I hiked the PCT it blew me away to see liquor sold *everywhere*. Drug stores, grocery stores, convenience stores - everywhere. I hiked the Sheltowee Trace Trail in Kentucky earlier this month and for 238 miles I was hiking ...
by tbradnc
Thu Feb 26, 2015 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Beer sales in PA supermarkets? Is this allowed now?
Replies: 10
Views: 714

Re: Father / Son Deep Sea Fishing Trip

Does it have to be Florida? I used to live in NC and I know you can catch some great fish off the coast there. Still has nice warm weather. Best time of year to go would be after September when the tourists leave. Check out the Wilmington area. Yep, we lived in Carolina Beach for almost 25 years. G...
by tbradnc
Thu Feb 26, 2015 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1401

Re: Is a generator worth it?

[ I love the Honda and Yamaha inverter generators, but the downside as you mentioned, is big time cost, low output & most are 120v only. The EU7000iS is their smallest model that's 240v and MSRP is $4500. 120v-only presents a number of issues for people that would like to tie it into the house ...
by tbradnc
Thu Feb 26, 2015 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Is a generator worth it?
Replies: 105
Views: 5535
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