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Re: Updated Wellington ER

Thanks, I just rebalanced my bond allocation to compensate!
by tbradnc
Wed Mar 26, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Updated Wellington ER
Replies: 8
Views: 1592

Re: Buying new phone outright vs 2 yr contract + ETF

I sold the real business last September and now I have all the time in the world. :) The shuttle business I've started is more of a fun pursuit than anything - nets me a few hundred bucks a week and I hang out with hikers all day. Thanks for all the feedback everyone and again I apologize for any ru...
by tbradnc
Fri Mar 21, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

I'm not with VZW anymore but the problem you run into with contract phones is that after the 24 month contract, the monthly payment stays the same. So you somehow want to buy the phone essentially outright and then do a cheaper PrePaid plan with VZW for around $50 a month or so. No idea if they are...
by tbradnc
Fri Mar 21, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

You're right....

If I had it to do over again I would change the question to be specific to my situation.

My apologies to all.
by tbradnc
Fri Mar 21, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

I'd like to plant you here in our remote rural area surrounded by mountains and let you find me a cheap plan for 1/10 of what I'm paying now. Not an obstacle in any way. You have been captured by Verizon and Apple marketing. There are a number of MNVOs that use Verizon's network, and many perfectly...
by tbradnc
Fri Mar 21, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

The carrier (Verizon) was never in question - it's our only real option. Sure, if you are locked in to Verizon's usurious slavery, sure why not go the whole 9 yards. Come back when you wake up to the fact you and your wife are paying 4K a year for the privilege and we'll tell you how to have smart ...
by tbradnc
Fri Mar 21, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

A little closure... I went to the Verizon store today and purchased a 5s with 2 year contract. Price of the phone was $199. The activation fee was waived because of an organization my daughter is affiliated with (she is on our current plan and gets a discounted monthly rate too). Adding the line inc...
by tbradnc
Thu Mar 20, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

Seems to me you didn't read my post. I'm not looking for suggestions. The question was, as clearly indicated in my original post: Why pay full retail price when you can get it cheaper via contract + ETF. The carrier (Verizon) was never in question - it's our only real option. When you limit yoursel...
by tbradnc
Thu Mar 20, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

Brad, I read the original post. There isn't really a question in there. Seems to be more rhetorical based on the way you outlined your scenarios. 5 months of hiking while the wife runs the business sounds pretty sweet. Where you headed? You gonna hit the AT, CDT or PCT? It's good, I apologize for s...
by tbradnc
Thu Mar 20, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

If you are taking a new line, there is an activation fee. What is the monthly fee for the plan that you plan on getting at verizon? did you compare the monthly fees at other providers like walmart for similar plans? there will be a huge difference. Add all those differences and then see what the am...
by tbradnc
Thu Mar 20, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

Seems to me you have already made your decision and are merely seeking some reinforcement/confirmation bias of your choice. The question then becomes: Why did you post this thread in the first place? Are you really open to suggestions? Seems to me you didn't read my post. I'm not looking for sugges...
by tbradnc
Thu Mar 20, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

Moving away from hypotheticals and looking at my situation specifically it's pretty obvious that the contract price + the ETF is the cheapest way to get a phone - at least compared to buying a new one outright. We're locked in with Verizon - in the rural area where we live it's the only carrier that...
by tbradnc
Thu Mar 20, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

Choice 1: $625 for phone outright. Choice 2: $199, 2 year commitment, and absolute worse case, $350 ETF for total of $550 My question is.... why would anyone buy a phone for more than the contract price + early termination fee? Hmm. In order to save $75 I have to read and understand Verizon's contr...
by tbradnc
Thu Mar 20, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Buying new phone outright vs 2 yr contract + ETF

What is an example of paying more for a phone outright would make more sense than a contract w/ ETF?

It seems like people would get a contract, cancel it, pay the ETF and end up with the phone that was being considered for direct purchase.
by tbradnc
Thu Mar 20, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Buying new phone outright vs 2 yr contract + ETF

I'm going to be out of town for 5 months and my cell phone (iPhone 4s) is also the number used by my business. My spouse will be running the business while I'm away so she'll keep the phone. I need a replacement. I'm set on an iPhone 5s. Looking at swappa.com, these seem to start around $625 and go ...
by tbradnc
Thu Mar 20, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Buying new phone outright vs 2 yr contract + ETF
Replies: 45
Views: 1883

Re: Less is Beautiful

You mentioned hiking... If you like to hike and you have a desire to get by with very little try a long distance backpacking trip. I've hiked the Appalachian Trail completely once and most of it 2 twice and am leaving in a few weeks to hike the Pacific Crest Trail which will take about 5 months. It ...
by tbradnc
Wed Mar 19, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: Less is Beautiful
Replies: 29
Views: 4233

Re: Out the door price for new car

You won't get the dealer to change the doc fee - that number isn't negotiable because by law a dealership has to charge every customer the same fee. You can negotiate a lower price on the vehicle and say that you're compensating for a high doc fee but when you sign the paperwork the doc fee will be ...
by tbradnc
Wed Mar 19, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 2456

Re: File FAFSA with 7 figure non-retirement portfolio?

I believe that some scholarships that are merit or income-based might require fafsa on file, and possibly some college employment opportunities might as well, so I'm not seeing the advantage to not filing. Yep.. We also score a 999999 but because my daughter is going to school on a scholarship I ha...
by tbradnc
Sat Mar 08, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: File FAFSA with 7 figure non-retirement portfolio?
Replies: 22
Views: 1786

Re: Air Crash Insurance

They're warehoused with all the vacuum testers that were formerly in every drugstore.
by tbradnc
Sat Mar 08, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Air Crash Insurance
Replies: 15
Views: 1135

Re: HSA - HDHP. switching plans - advice/suggestions pleas

Here's a bonus brain-twister. My daughter is getting married in October 2014 and she and my son-in-law will file a joint 2014 return. This means we'll lose her as an exemption on our 2014 taxes -but- her exemption was included in the subsidy calculation. What happens here? It's worrisome that this p...
by tbradnc
Sat Mar 01, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: HSA - HDHP. switching plans - advice/suggestions please.
Replies: 6
Views: 322

Re: HSA - HDHP. switching plans - advice/suggestions pleas

Where I'm at right now is deciding whether to get a cost-sharing Silver plan and lose my HSA or go with a Bronze plan and keep the higher deductible and my HSA.

Everyone in good health so I'm leaning towards a Bronze plan.
by tbradnc
Sat Mar 01, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: HSA - HDHP. switching plans - advice/suggestions please.
Replies: 6
Views: 322

Re: HSA - HDHP. switching plans - advice/suggestions pleas

The 10% bracket is only $17850 "wide" (MFJ status - single would be 50% of that) and only the part of income (be it wages or Roth coversion) that falls into that bracket is taxed at 10%. However, the first 20K of taxable income is not taxed at all (due to personal exemption and standard d...
by tbradnc
Sat Mar 01, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: HSA - HDHP. switching plans - advice/suggestions please.
Replies: 6
Views: 322

Re: HSA - HDHP. switching plans - advice/suggestions pleas

Followup: I'm having to estimate our 2014 income. I'm certain that I'll need to do a Roth conversion in December 2014 to create enough income to qualify for a subsidy - but if I estimate a higher income now than I end up with and find out I could have gotten a larger subsidy will I get credit for th...
by tbradnc
Sat Mar 01, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: HSA - HDHP. switching plans - advice/suggestions please.
Replies: 6
Views: 322

HSA - HDHP. switching plans - advice/suggestions please.

I thought I was done with this.... In December I setup an HSA and bought a HDHP from BC/BS to pair with it. The plan I purchased was not available on the federal exchange. We didn't qualify for a subsidy and our state didn't expand Medicaid. Today on this forum I learned that I could do a Roth conve...
by tbradnc
Fri Feb 28, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: HSA - HDHP. switching plans - advice/suggestions please.
Replies: 6
Views: 322

Re: Car insurance question - removing driver from policy.

This is how it works. If you have two cars, for each car in a four driver household, one driver is assigned as the governing driver for that car. The governing driver is assumed to be the main user of the vehicle. In a HH with two cars and four drivers, most people have the younger drivers shown as...
by tbradnc
Fri Feb 28, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Car insurance question - removing driver from policy.
Replies: 6
Views: 265

Re: Early Retirement and ObamaCare

We're in the same situation as the OP's friend. Since I sold my business last year we're living on investment income during a 2 year sabbatical I'm taking to knock out a few bucket list items. We won't have enough earned income to qualify for a subsidy so as far as the ACA is concerned we're living...
by tbradnc
Fri Feb 28, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Early Retirement and ObamaCare
Replies: 26
Views: 2546

Car insurance question - removing driver from policy.

I had an interesting conversation with my insurance agent (Farm Bureau) yesterday and wanted run it by you folks and get your take. I'll be leaving to hike the Pacific Crest Trail in April and will be away for approximately 5 months. I called my agent yesterday and told him that I wanted to be remov...
by tbradnc
Fri Feb 28, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Car insurance question - removing driver from policy.
Replies: 6
Views: 265

Re: Early Retirement and ObamaCare

We're in the same situation as the OP's friend. Since I sold my business last year we're living on investment income during a 2 year sabbatical I'm taking to knock out a few bucket list items. We won't have enough earned income to qualify for a subsidy so as far as the ACA is concerned we're living ...
by tbradnc
Fri Feb 28, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Early Retirement and ObamaCare
Replies: 26
Views: 2546

Re: Should I let a credit card expire?

I recently canceled a Chase card I've had since 2003 with a 25k credit limit and within a few weeks received an alert from Equifax informing me that my FICO score had dropped 12 points. Still have about $150k in unsecured credit and never carry a balance so I wouldn't think closing the account woul...
by tbradnc
Thu Feb 27, 2014 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I let a credit card expire?
Replies: 8
Views: 1012

Re: Should I let a credit card expire?

I recently canceled a Chase card I've had since 2003 with a 25k credit limit and within a few weeks received an alert from Equifax informing me that my FICO score had dropped 12 points. Still have about $150k in unsecured credit and never carry a balance so I wouldn't think closing the account would...
by tbradnc
Thu Feb 27, 2014 5:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I let a credit card expire?
Replies: 8
Views: 1012

Re: Canceling Verizon Service

If I want to do something with our phones I go to a real Verizon store and have it done - never a problem.

Trying to get things done by phone and online chat just puts me at risk of a stroke....
by tbradnc
Thu Feb 27, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Canceling Verizon Service
Replies: 18
Views: 1688

Re: BOA credit card breach

What do you think about carrying around a gift card for one off purchases at random stores? I bought a $500 gift card at Food Lion with my Amex Blue Cash Preferred card and I've been using it instead of my real cards - kind of nice to know if the info is stolen the card will be used up by the time i...
by tbradnc
Wed Feb 19, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 1932

Re: Fidelity Amex - statement charges

BrandonBogle wrote:Sometimes posted charges make you wonder too! This charge is the monthly premium for our Delta Dental Insurance policy...
DENTEGRA DENTEGRA - RNCHO CORDOVA CA


Beats my pharmacy being listed as a pending payment to a methadone clinic. :)
by tbradnc
Wed Feb 19, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Amex - statement charges
Replies: 7
Views: 423

Fidelity Amex - statement charges

I'm curious to know if any of you with Fidelity Amex cards have noticed strange businesses being posted for pending charges that are not actually where you shopped. For example - twice I've filled prescriptions at my local pharmacy and while the transaction is pending the charge is show being billed...
by tbradnc
Wed Feb 19, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Amex - statement charges
Replies: 7
Views: 423

Re: How did people work out in the past?

I remember my mom following along with Jack LaLanne on a B&W TV when I was a little boy.

My dad walked to school in the snow (uphill both ways of course).
by tbradnc
Wed Feb 19, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: How did people work out in the past?
Replies: 36
Views: 2021

Re: HSA Eligibility Help

When I opened up our HSA in December 2013 for 2014 I had a similar situation with BC/BS. The plan I bought was HSA compatible according to BC/BS but was *not* according to the BC/BS website. It took me until January to get the right answer. I totally annoyed BC/BS - one CSR even sent me a copy of th...
by tbradnc
Tue Feb 18, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Eligibility Help
Replies: 7
Views: 468

Re: best tips for passwords?

I use Keeper (https://keepersecurity.com/). It's a pay subscription service as well. What I like about it is that it doesn't try to do everything like remember my identity and credit cards and it doesn't botch a lot of my logins by crapping out during an automatic login process. It doesn't try to au...
by tbradnc
Mon Feb 17, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: VZW Customers Check Out New Plans

My son uses Verizon prepaid with unlimited talk/text/2G data and with tax included it costs $66 a month. Verizon prepaid does not support (or allow) 4G phones but if you have a 3G phone from a contract plan that was activated for 6 months you can move that phone to a prepaid plan. It's a matter of ...
by tbradnc
Mon Feb 17, 2014 9:03 am
 
Forum: Personal Consumer Issues
Topic: VZW Customers Check Out New Plans
Replies: 24
Views: 2624

Re: best tips for passwords?

I've never understood why password changes are forced and I'm glad Vanguard and Fidelity doesn't play that way. My local regional bank forces a password change every 90 days and I really dislike it. Is the assumption someone is close to cracking your already very good password and you're going to fo...
by tbradnc
Mon Feb 17, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8525

Re: VZW Customers Check Out New Plans

My son uses Verizon prepaid with unlimited talk/text/2G data and with tax included it costs $66 a month. Verizon prepaid does not support (or allow) 4G phones but if you have a 3G phone from a contract plan that was activated for 6 months you can move that phone to a prepaid plan. It's a matter of l...
by tbradnc
Mon Feb 17, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: VZW Customers Check Out New Plans
Replies: 24
Views: 2624

Re: VZW Customers Check Out New Plans

I just logged into verizonwireless and clicked on "change my plan" and didn't see anything that looked like a discount. We have 3 iphones and a USB modem - the phones are $40 each, the modem is $20 and we share 6 GB of data between the devices Unlimited talk and text. Total price is $220 p...
by tbradnc
Sun Feb 16, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: VZW Customers Check Out New Plans
Replies: 24
Views: 2624

Re: ASPCA vs Humane Society

If you have a local humane society I'd suggest paying them a visit to get a feel for the place and if you like what you see send your donations directly to them. Ours has an email list and they'll send out requests from time to time for needed items. They also (of course) gratefully accept donations...
by tbradnc
Sat Feb 15, 2014 10:13 pm
 
Forum: Personal Consumer Issues
Topic: ASPCA vs Humane Society
Replies: 27
Views: 1661

Re: Raising kids in a small town vs. big city/suburbs

bankerguy wrote:This is my first time posting on this forum but I felt the need to respond to this thread.


We had the same reaction.

Like I said... my hayseed daughter is studying neurobiology on a scholarship while her hayseed fiance finishes grad school.
by tbradnc
Fri Feb 14, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4853

Re: Raising kids in a small town vs. big city/suburbs

I grew up in a small town and I live in a small town now. I've also lived in downtown Atlanta, Knoxville, and Washington, DC. We raised our children in a small town and my daughter is attending a state university on a scholarship studying neurobiology and marrying another young man who grew up in th...
by tbradnc
Fri Feb 14, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Raising kids in a small town vs. big city/suburbs
Replies: 89
Views: 4853

Re: What are your favorite browser extensions?

Adblock Plus Ghostery <privacy, http://www.ghostery.com/> Do Not Track Me <privacy, https://chrome.google.com/webstore/detail/donottrackme-online-priva/epanfjkfahimkgomnigadpkobaefekcd?hl=en> History Eraser <privacy, https://chrome.google.com/webstore/detail/history-eraser/gjieilkfnnjoihjjonajndjldj...
by tbradnc
Fri Feb 14, 2014 1:12 pm
 
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1694

Re: Billing for annual physicals

I was fortunate enough to have had excellent insurance until 12/31/13. On 1/1/14 our HDHP-HSA started. We filled all of our prescriptions early, my wife moved up her mammogram, and I had my colonoscopy done as well prior to the HDHP kicking in. I get my annual physical in January so so I arranged to...
by tbradnc
Fri Feb 14, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 65
Views: 3645

Re: Freezing Credit - Should I?

TimeRunner wrote:I just opened a new credit bureau. We have no files, but I'm happy to freeze yours for $10. :twisted:

(Ours are frozen at 'the big three' and hopefully that covers it.)


Freeze it free... charge $10 to unfreeze it.
by tbradnc
Tue Feb 11, 2014 6:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 1888

Re: Freezing Credit - Should I?

I'd never heard of CredCo - their freeze page is working again - I just placed a freeze with them. After submitting I received the message: Your file freeze request has been received and is being processed. Your request will be processed in the next few business days and you will receive confirmatio...
by tbradnc
Mon Feb 10, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 1888

Re: Freezing Credit - Should I?

Just a quick followup.. I commented above that Credit Karma was able to pull a new score even though my credit was frozen. Curious, I sent an email to Credit Karma asking about it and received a reply informing me that a credit freeze had to be in place before creating the Credit Karma account to pr...
by tbradnc
Mon Feb 10, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit - Should I?
Replies: 23
Views: 1888

Re: The Gecko cost me a lot of $. How often to switch car in

The easiest way I've found to save money on insurance is by raising the deductible as high as possible and cancel stuff like towing. Get a AAA membership if you're worried about that. We have Farm Bureau for home/auto/umbrella and I'm very pleased. Here's a story.... Earlier this year (actually in D...
by tbradnc
Sat Feb 08, 2014 6:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7698
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