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Re: Odd Issue with a Best Buy Return

I would be interested in the first words the person returning the PS said... BB Employee: "How may I help you?" Customer: ??????? Seems like the normal thing to do would be to declare what you wanted in a way the BB employee could comply. It sounds like your guy just said, "I'd like t...
by tbradnc
Mon Dec 01, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Odd Issue with a Best Buy Return
Replies: 59
Views: 5178

Re: When do you feel comfortable financially to have kids?

I didn't read all the replies but having raised 3 children I can tell you that if you wait until you can afford having kids you never will.

After you have children the financial things always seem to work out. It's pretty amazing.
by tbradnc
Sat Nov 29, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: When do you feel comfortable financially to have kids?
Replies: 59
Views: 4256

Re: Helping a Friend Build Credit

2 of my children obtained Capital One secured Mastercards when they turned 18. They fronted the money for the deposit to establish the credit limit and within 6 months they were both getting unsolicted pre-approved offers in the mail.

The CapOne card has a $29 annual fee.
by tbradnc
Tue Nov 25, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Helping a Friend Build Credit
Replies: 7
Views: 810

Re: Living below my means, means…

To me "Living below your means" means that over time as my income increases I don't increase my spending to match it.

I often tell people that my wife and I still have the same lifestyle we had when we were in our 30's (we're in our 50's now). That's LBYM to me.
by tbradnc
Tue Nov 25, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Living below my means, means…
Replies: 32
Views: 2705

Re: Do you use a phone book?

Living in a little town our phone book is a bit of a novelty item. About 6" x 9" with maybe 80 pages, including yellow pages.
by tbradnc
Sun Nov 23, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2135

Re: My Health care monthly premiums doubled after ACA

The plan I purchased that became effective 1/1/14 cost $971 per month. The same plan increased 32% to $1280 effective 1/1/15. BC/BS of TN plan S16P. I do most of my health business in Tennessee and the new rates are shocking. Two things one can consider, go to a higher deductible, probably save 200...
by tbradnc
Sun Nov 23, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: My Health care monthly premiums doubled after ACA

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. I will do that next year... It was more than I wanted to deal with this year because it was my first year of retirement and I sta...
by tbradnc
Sun Nov 23, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: 23 year old... Can I afford a Rolex?

Peter Singer has recently convinced me that most of the money I've been sending towards retirement savings should be going to save lives. I've been researching charities and just started reading about mosquito nets. Next month we're buying 400 in December instead of Christmas gifts. Not a lot, but ...
by tbradnc
Sun Nov 23, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13085

Re: 23 year old... Can I afford a Rolex?

Tony Robins, would say, use neurolinquistics to achieve your dreams. :annoyed :| :mrgreen: I'm more in the Deepak Chopra camp and get my quantum on to achieve my dreams. :) Man, if you've got to have a Rolex consider a used one. There's readily available - just deal with a reputable seller.
by tbradnc
Sun Nov 23, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 13085

Re: My Health care monthly premiums doubled after ACA

The plan I purchased that became effective 1/1/14 cost $971 per month. The same plan increased 32% to $1280 effective 1/1/15. BC/BS of TN plan S16P. I don't know what S16P means. Is this a plan bought off the exchange? Are the terms the same as last year, or is there more coverage because of health...
by tbradnc
Sun Nov 23, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: My Health care monthly premiums doubled after ACA

The plan I purchased that became effective 1/1/14 cost $971 per month.

The same plan increased 32% to $1280 effective 1/1/15.

BC/BS of TN plan S16P.
by tbradnc
Sun Nov 23, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Health care monthly premiums doubled after ACA
Replies: 46
Views: 4128

Re: best bank for online billpay

Fidelity Cash Management account here - billpay works great as far as I know.. Everyone gets paid without me doing anything - that's what counts!
by tbradnc
Sat Nov 22, 2014 1:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 24
Views: 2303

Re: Cold weather gloves

I wear a pair of Oregon Research PL400 mittens with thin Merino wool liners. Good down to the teens. Mittens: http://www.amazon.com/Outdoor-Research-Mens-400-Mitts/dp/B003P8QLIY Liners: http://www.amazon.com/Terramar-Adult-Thermasilk-Glove-Large/dp/B000J02A8G/ref=sr_1_4?s=sporting-goods&ie=UTF8&...
by tbradnc
Fri Nov 21, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Cold weather gloves
Replies: 13
Views: 1447

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I am going to get 4 free meals. There is also spend $5 McD get $5. Ha.. thanks for the heads up. I added the McDonald's offer to my card. Went to McD's for lunch and when I got home and checked I had an email from Amex saying they'd noticed I used the offer. :) Where did you sign up for the McDonal...
by tbradnc
Thu Nov 20, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7063

Re: Get up to $30 back per Amex card (Small Business Sat, 11

mike143 wrote:I am going to get 4 free meals. There is also spend $5 McD get $5.



Ha.. thanks for the heads up. I added the McDonald's offer to my card. Went to McD's for lunch and when I got home and checked I had an email from Amex saying they'd noticed I used the offer. :)
by tbradnc
Thu Nov 20, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7063

Re: ACA subsidy question

I live in TN which did not expand Medicaid and our income is too low to qualify for a subsidy so I bought a plan directly from BC/BS off the exchange. All of the plans available on the exchange have a "S" designation which is for the "skinny" network (I'm not making that up) whic...
by tbradnc
Thu Nov 20, 2014 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 872

Re: thinking of opening a franchise

Get ready to move.... All of the DD territories around here have been been scarfed up. I'm not sure if existing franchisees have bought them or speculators.
by tbradnc
Thu Nov 20, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: thinking of opening a franchise
Replies: 21
Views: 3016

Re: Should we tip the caregiver

I wouldn't think of it as a "tip" as much as a "gift" and a 4 year, live in stint as a caregiver is very high on my list of someone who would deserve a gift. Very hard, typically low paying work that the family can't or won't do for whatever reason - it seems like a no brainer to...
by tbradnc
Thu Nov 20, 2014 7:14 am
 
Forum: Personal Consumer Issues
Topic: Should we tip the caregiver
Replies: 26
Views: 1890

Re: Got a new chip & signature cc from USbank: what's the di

That I understand. However, this card also has a magnetic strip so it's no more secure than if it didn't have a chip. What's the point of the chip if the card also has a magnetic strip? Color me confused. Same with the replacement Fidelity Amex with a chip that I received last month. I've only been...
by tbradnc
Wed Nov 19, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: Got a new chip & signature cc from USbank: what's the diff?
Replies: 11
Views: 1105

Re: AT&T Upgrades Data Allowance

Verizon did away with the 6GB/unlimited talk/text plan and now offer 10GB/UT&T at the same price. My plan with the new 10GB data allowance became effective 11/16.
by tbradnc
Tue Nov 18, 2014 7:42 am
 
Forum: Personal Consumer Issues
Topic: AT&T Upgrades Data Allowance
Replies: 5
Views: 908

Re: When do your account returns dwarf your contributions?

When the markets moved up or down substantially and the dollar column of my account balance changed by 4 or more decimal points - that's when I knew I had real money in the market - to me anyway.
by tbradnc
Mon Nov 17, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: When do your account returns dwarf your contributions?
Replies: 51
Views: 6851

Re: VWINX (Wellesley Inc.)

After some particularly bad investment advice from a friend my mother finally decided to split her retirement nest egg equally between Wellesley and Target Retirement Income. Every January she rebalances back to 50/50. I don't spy on her retirement account but the few times I've seen it the balances...
by tbradnc
Mon Nov 17, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 5428

Re: Practice of Vendors Rounding Up [to distribute to charit

I opted in for our power companies "round up" program. I never really thought of it as a charity donation so much as just helping out my poorer neighbors.

Living in the mountains of rural Appalachia I count my blessings. I see real poverty, every day.
by tbradnc
Mon Nov 17, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Practice of Vendors Rounding Up [to distribute to charities]
Replies: 7
Views: 755

Re: Just signed up Obamacare again.

Wish I could report success... BC/BS of NC website notifies customers that open enrollment is in effect and gives you the option of changing/renewing your plan. It is designed to guide you through a series of steps. Step 1. Confirm current account info (name, addreses, email, etc.) is correct. {work...
by tbradnc
Sat Nov 15, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just signed up Obamacare again.
Replies: 41
Views: 3625

Re: Does anyone here make "fun" purchases.

I'm in Victoria's camp - I tend to spend my money doing things. I just spent $8500ish on a 4 month thru hike of the Pacific Crest Trail. It's over, and I don't have anything tangible to show for it but I'd far, far rather have that experience than to have spent it on say, drapes or new flooring. But...
by tbradnc
Fri Nov 14, 2014 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone here make "fun" purchases.
Replies: 111
Views: 8388

Re: Appliance Protection Plan

I would not buy the protection plan. Generally speaking, my threshold for self-insurance is around $20k - anything less than that and I'll take the risk and save the money. I bought a $69 printer at Walmart the other day and the cashier tried to sell me a protection plan for *that*.... I wonder how ...
by tbradnc
Fri Nov 14, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plan
Replies: 13
Views: 727

Re: Speaking with an Aging Relative about care & money

Not exactly what you're asking about but based on a recommendation from someone on this form I read, "Being Mortal: Medicine and What Matters in the End" yesterday and couldn't put it down until I finished it. Much of the book is dedicated to a really good analysis of what "assisted l...
by tbradnc
Thu Nov 13, 2014 6:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Speaking with an Aging Relative about care & money
Replies: 24
Views: 2447

Re: Assisted Living

gatorking wrote:I recommend http://atulgawande.com/book/being-mortal/
Not all assisted living facilities are created equally.


Thanks for the tip - I read the review on Amazon after seeing this post, downloaded the Kindle version this morning and couldn't put it down until I finished it this evening.
by tbradnc
Wed Nov 12, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2244

Re: Local bank without any checking account fees?

I live in a small town of 5,000 tucked away in Appalachia - I use the Fidelity Cash Management account for my heavy lifting, Ally for savings, and keep an account with a few thousand dollars at a small regional bank on the corner downtown. They have a free checking option. I know the manager and tel...
by tbradnc
Wed Nov 12, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2831

Re: Double Cash Credit Card from CITI

How many cards do you keep in your wallet? Are you opening new accounts just to capture the difference between say a 1.5% card and a 2% card? I just can't bring myself to go through the gyrations necessary to replace the CapOne Quicksilver at 1.5% with the 2% Citicard. I'd need a signup bonus to mo...
by tbradnc
Wed Nov 12, 2014 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Double Cash Credit Card from CITI
Replies: 19
Views: 2413

Re: Vanguard launches new offering ...

Sure would be nice to be able to pay using funds earning nothing in your MM account. :)
by tbradnc
Wed Nov 12, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 12528

Re: If your networth is over $3 million, how did you do it?

I'm not there yet but I have a good idea...and I didn't read the thread but it's so obvious I'm sure someone has said it already but.....

The primary source for the 3rd million is the 1st million. :)
by tbradnc
Wed Nov 12, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33289

Re: Life purpose revisited

I became "happy" as the result of cultivating a daily meditation practice. You'd be amazed at what sitting in silence for a set period of time every morning watching your breath will do for your state of mind. I've never been much of a trendsetter but I was cultivating mindfulness before i...
by tbradnc
Wed Nov 12, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Life purpose revisited
Replies: 55
Views: 8445

Re: Best microwave to replace kitchen stove

> Three weeks is only 21 days. Estimated times for remodeling are remarkably inaccurate. Hope for 21 days, plan for more. Don't expect to do more than stay minimally fed, and take advantage of local restaurants to the extent practical and economical. (I've been through two kitchen renovations). Jus...
by tbradnc
Tue Nov 11, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Best microwave to replace kitchen stove
Replies: 26
Views: 2108

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

Off topic, but this thread made me think. Is it becoming the "in thing" to order dessert before the entree these days?

I've seen it a handful of times over the past year or so - maybe I can be on the front end of a trend if I get in on it now... :)
by tbradnc
Tue Nov 11, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7643

Re: "Easy" social security question...

Just wanted to say I got Mike Piper's "Social Security Made Simple" in the mail yesterday and read it this morning. It's an easy, informative read and does a pretty good job explaining things in a way that makes some sense. I particularly like that he closes each explanation with examples....
by tbradnc
Tue Nov 11, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Easy" social security question...
Replies: 50
Views: 4193

Re: Assisted Living

I have a 23 year old son who's on assisted living and he loves it. (he's a fine young man and works hard, we don't mind helping him from time to time)

Seriously though, You sound like a very smart man to me. Well prepared and are giving the matter a lot of thought.
by tbradnc
Tue Nov 11, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2244

Re: New Fidelity AMEX - with chip

In October, FIA Card Services closed our existing AMEX account, gave us a new account number, and sent us new cards. Anyone else have this happen? Yes. Fidelity left voicemail on my home phone telling me this was going to happen while I was away travelling. I did try to use the old card the day the...
by tbradnc
Tue Nov 11, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 910

Re: Question on using VTMFX vs VWIUX/VTSAX for a 50/50 Bucke

I didn't realize from your first post that you already owned the Municipal and Total Stock Market funds before purchasing Tax Managed Balanced - the way I interpreted your post was that you had already purchased Tax-Managed Balanced and were second guessing yourself. If it were me I would exchange t...
by tbradnc
Tue Nov 11, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on using VTMFX vs VWIUX/VTSAX for a 50/50 Bucket
Replies: 6
Views: 483

Re: New Fidelity AMEX - with chip

If I understand the way this works the chip is only useful if the terminal detects it and is equipped with the appropriate hardware to read the chip - which is pretty much nowhere I charge... otherwise any card-reader-swiper-terminal will work. Hopefully there is an effort underway to upgrade termin...
by tbradnc
Tue Nov 11, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 910

New Fidelity AMEX - with chip

In October, FIA Card Services closed our existing AMEX account, gave us a new account number, and sent us new cards. Anyone else have this happen? The way I found out was logging into our account and seeing a different account number. It freaked me out a bit, and when I called the rep told me the re...
by tbradnc
Tue Nov 11, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 910

Re: Yet Another Credit Card Thread

You're right Pyrite, sorry about the math error. One thing I was wondering is in the States, is it possible to even run chip + PIN cards, or are special terminals needed? Also, and I highly doubt this is the case, but has anyone tried using their chip & PIN card at "debit only" stores...
by tbradnc
Tue Nov 11, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2132

Re: Question on using VTMFX vs VWIUX/VTSAX for a 50/50 Bucke

In my years here I have stayed away from giving input on questions in this sub-forum but I will share my thoughts with you - please remember I'm probably in the bottom 10% when it comes to the many astute posters here.. With that in mind, if I were in your shoes with an extra $120k to invest the fir...
by tbradnc
Tue Nov 11, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on using VTMFX vs VWIUX/VTSAX for a 50/50 Bucket
Replies: 6
Views: 483

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

Trying bringing in a fruit tray and set it next to the donuts one Friday and see how it goes. You might find people would eat better if there was an alternative. Eventually the hope is your officemates would put 2+2 together and bring in less junk food.
by tbradnc
Tue Nov 11, 2014 6:54 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7643

Re: Yet Another Credit Card Thread

I have three cashback cards I use. 1. Fidelity Investment Rewards AMEX - straight 2% on everything, no caps, no limit. 2. Penfed Cash Rewards Visa - 5% on gas, no caps, no limit. Used for gas. 3. AMEX Blue Cash Preferred - $75 annual fee, 6% on groceries (up to $6000 grocery spending per year), 3% ...
by tbradnc
Tue Nov 11, 2014 6:43 am
 
Forum: Personal Consumer Issues
Topic: Yet Another Credit Card Thread
Replies: 24
Views: 2132

Re: For the next year or so, why shouldn't we be in all-cas

I had ~50% of my 53% fixed income allocation sitting in my taxable account invested in Limited Term Tax-Exempt last year and moved the bulk of it to PenFed. I put half of it in a 5 year ladder and the other half is split up into several smaller 5 year certificates @3%. That's worked out pretty well ...
by tbradnc
Tue Nov 11, 2014 5:37 am
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7508

Re: New car purchase- "documentation fee" and "registration

Good info on doc fees here: http://www.realcartips.com/newcars/482-documentation-fees-by-state.shtml. As I understand it, dealers can't charge different customers different doc fees - that's why you see it already pre-printed on the sheet they fill out when you buy the car - they have a set doc fee ...
by tbradnc
Mon Nov 10, 2014 6:15 am
 
Forum: Personal Consumer Issues
Topic: New car purchase- "documentation fee" and "registration fee"
Replies: 28
Views: 2911

Re: Thinking about buying an individual stock NSC

Northfolk Southern has a dividend reinvestment plan - you could buy a token amount through that and have the dividends reinvested in full/fractional shares every quarter the rest of your life (or the life of the company). http://www.nscorp.com/content/nscorp/en/get-to-know-norfolk-southern/investor-...
by tbradnc
Sun Nov 09, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 4766

Re: Sunday morning musing - dividend stocks

.... reading my last post I feel like I might leave the impression that I"m a closet stock buyer and I don't want to lose my Boglehead hat and shirt. I just had a look and on March 6, 2009 I bought 1000 shares of GE for $6.79 per share - until I bought the 3 stocks I purchased in September 2013...
by tbradnc
Sun Nov 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Sunday morning musing - dividend stocks
Replies: 11
Views: 1241

Re: Sunday morning musing - dividend stocks

+1. I would focus on travel, food and making others (family and friends) happy. +2! However I have to ask, if you used the money to buy a bond index fund, how much income would you see compared to these stocks? Not as much from a bond fund. There's some backstory involved. During the "crash&qu...
by tbradnc
Sun Nov 09, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Sunday morning musing - dividend stocks
Replies: 11
Views: 1241
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