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Re: Question about Citi Double Cash Card

I tried to convert my Hilton Honors Visa to the Double Cash and they wouldn't let me because it was a branded card - whatever that means. More annoying than that was not being able to consolidate my 2 Citi cards under a single login. I had to create a new Citi login for the Double Cash card. Overall...
by tbradnc
Tue Apr 21, 2015 6:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 15
Views: 2117

Re: Question about Citi Double Cash Card

Also got a $8000 credit limit with an 800+ credit score.
by tbradnc
Tue Apr 21, 2015 6:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 15
Views: 2117

Re: Raising well-adjusted children when you're "rich"?

Maybe a little TMI in this but nobody knows who I ams so... I grew up in an upper-poor class family. We weren't dirt-poverty-poor but we definitely weren't middle class. As a reference point we didn't have a phone until I was in the 3rd grade. I think one answer to your question isn't want children ...
by tbradnc
Wed Apr 15, 2015 5:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3466

Re: Help me choose: HDHP/HSA or Regular Health Care Plan

How is heath coverage for $0 a bad plan? Prescription drugs are only covered at 35% or 20%, after deductible . I have never seen any real insurance plan where it is that low. I'm wondering if the prescription percentages are incorrect. That seems awfully low - I've looked at a lot of insurance plan...
by tbradnc
Wed Apr 15, 2015 5:31 am
 
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1120

Re: Is 2007 Accord 60K mile service worth $300?

I use the dealership for scheduled services that are above and beyond oil/filters/tire rotation.j Like someone above wrote, I can change all the air filters (cabin and engine) and I let a local shop where I buy my tires handle rotation and oil changes. One thing I did do is arrange a permanent 10% d...
by tbradnc
Mon Apr 13, 2015 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4407

Datapoint for credit score after applying for a new card

35 days ago I applied for and was approved for a Citi Doublecash card. My credit score before applying was 817. 34 days ago my credit score dropped from 817 to 779 and the "new account" record appeared on my credit report. Today my credit score jumped from 779 to 796. I mention this becaus...
by tbradnc
Mon Apr 13, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Datapoint for credit score after applying for a new card
Replies: 0
Views: 156

Re: Anyone semi-retired? What's it like?

I'm semi-retired at 53. I have another 18 months of buyout income coming from a company that I sold then I'm on my own. I love it. I haven't regretted selling for a nanosecond. I'm crossing things off my bucket list that I'm young enough and most importantly, healthy enough, to do that I have dreame...
by tbradnc
Sun Apr 12, 2015 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone semi-retired? What's it like?
Replies: 16
Views: 2534

Re: How smart are thermostats?

Ecobee SmartSi here, very happy. Had a Nest and sent it back.

Here is the thread on it from January 2, 2014. http://www.bogleheads.org/forum/viewtop ... 1&t=129619
by tbradnc
Sat Apr 11, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3036

Re: Capital One getting out of cash rewards credit cards?

I stopped using my Quicksilver card long ago. Just keep my monthly gym membership on it to keep it active. There are plenty of cards offering more than 1.5%. I prefer travel rewards nowadays anyway. I quit using mine when I received my Citi Double Cash card. The Quicksilver 1.5 was used when I coul...
by tbradnc
Sat Apr 11, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One getting out of cash rewards credit cards?
Replies: 12
Views: 2639

Capital One getting out of cash rewards credit cards?

A statement from Capital One, which declined to go into detail about the products and the number of customers affected for commercial reasons, said: "The implications of significantly lower interchange revenue has also meant Capital One has had to review its cashback and rewards products for e...
by tbradnc
Fri Apr 10, 2015 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One getting out of cash rewards credit cards?
Replies: 12
Views: 2639

Re: Cutting the cable cord - how did you do it?

For those who have cut the cord, how much does your monthly internet service end up being? I recall inquiring about an internet only plan from verizon a few years ago, and it really wasn't that much more expensive to lump in the phone and tv. I guess I'm wondering what range a decent internet-only ...
by tbradnc
Fri Apr 10, 2015 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9659

Re: Cutting the cable cord - how did you do it?

You don't need anything else besides a decent internet connection. Her costs now: $34.99/mo for up to 50Mbps internet This is the issue I'm up against. I would love to join the rest of the thread in only having Internet and one or more of the group of [Netflix, Amazon Prime, Hulu, etc]. Comcast is ...
by tbradnc
Fri Apr 10, 2015 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9659

Re: Cutting the cable cord - how did you do it?

Speaking of which, Woot has refurbed Roku 3's today for $59.99...

http://www.woot.com/?utm_campaign=Commi ... -+woot.com
by tbradnc
Fri Apr 10, 2015 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9659

Re: Cutting the cable cord - how did you do it?

Is anyone going to bite on the $14.99 HBO subscription? I received an email from Apple today notifying me of a 30 day free trial opportunity. The thing about the cord cutting is leaving it cut. Once you start adding back - Netflix, Hulu, Sling, HBO, etc. you may as well just stay with the cable comp...
by tbradnc
Fri Apr 10, 2015 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9659

Re: Why pay more than face value for a gift card

The other thing that frequently occurs is buyer fraud. They buy the gift card, then they report to EBay that the item contained no value when it was delivered to them. EBay (as PayPal) often sides with the buyer in such a case and refunds their money. Then the buyer has all their money back and the...
by tbradnc
Fri Apr 10, 2015 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why pay more than face value for a gift card
Replies: 19
Views: 1895

Re: Am I part of the problem??

We're all hypocrites, to some extent. Since I own the total market, I'm profiting from companies that do some pretty heinous things. I struggle with this as well. But to the OP, I would say that on one level, yes - you are part of the problem. If you have to ask the question you know the answer. On...
by tbradnc
Fri Apr 10, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 8730

Re: Why pay more than face value for a gift card

Since there appears to be little or no legit reason for gift cards to sell above face value, I don't understand why eBay doesn't flag these transactions. After thinking about it and reading this thread this is the conclusion I have arrived at as well. There's really not a good reason to spend $450+...
by tbradnc
Fri Apr 10, 2015 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why pay more than face value for a gift card
Replies: 19
Views: 1895

Why pay more than face value for a gift card

I was browsing gift cards on eBay and I noticed that it's very common for Visa gift cards to bid higher (sometimes much higher) than the face value. Why would anyone pay $125 for a $100 Visa gift card? Here are 2 examples: http://www.ebay.com/itm/VISA-Gift-Card-Debit-Card-100-New-Unopened-US-Nationw...
by tbradnc
Fri Apr 10, 2015 6:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Why pay more than face value for a gift card
Replies: 19
Views: 1895

Re: Manufactured Spending - Good Idea / Bad Idea?

Hmm. I mentioned I got the prepaid Target Amex. I stopped in this morning and tried to load $1000 with my Citi Double Cash card and the transaction was repeatedly denied. My CapitalOne Quicksilver card went through, no problem. I'm not sure what the difference might be. Check if you have a Fraud Al...
by tbradnc
Mon Apr 06, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9597

Re: Manufactured Spending - Good Idea / Bad Idea?

Hmm. I mentioned I got the prepaid Target Amex. I stopped in this morning and tried to load $1000 with my Citi Double Cash card and the transaction was repeatedly denied. My CapitalOne Quicksilver card went through, no problem. I'm not sure what the difference might be. At any rate no big deal, I'm ...
by tbradnc
Mon Apr 06, 2015 8:12 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9597

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

uh, so are there people who purposely tweak their income to be just OVER the cutoff to qualify for medicaid, in order that they DON'T have medicaid as their primary insurance? and reasons why / why not ? thanks Yes, there are people who do that. We haven't but will for 2016. For 2015 we have a priv...
by tbradnc
Sun Apr 05, 2015 5:29 am
 
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 25
Views: 3099

Re: Manufactured Spending - Good Idea / Bad Idea?

Truth be told, I think most of the serious MSer's have left FT since MS and the FT MS forum have simply become too main stream lately. I'd be willing to bet that core group are now collaborating underground, likely in some invite-only setting. I spent the better part of 2 hours reading the 2015 Red...
by tbradnc
Sat Apr 04, 2015 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9597

Re: Buy riding mower or hire service to cut grass?

The yearly cost of that service will be well in excess of $1,000. Over 10 years, you are likely looking at paying someone over $10k to mow your lawn. That's an awful lot of money from my perspective at least but it ultimately comes down to what you want (or do not want) to spend your money on. Yep....
by tbradnc
Sat Apr 04, 2015 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Buy riding mower or hire service to cut grass?
Replies: 56
Views: 3959

Re: Best credit card for me???

Just a little confused. I have a pen fed card which USED to give me 5% on gas, but they changed that on me a couple of years ago. Are you truly getting 5% on gas, and if so, what happened to me. BTW, it's a PenFed Visa card. Yes sir/mam.... I have the "Plus" card - you can read about it h...
by tbradnc
Fri Apr 03, 2015 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best credit card for me???
Replies: 18
Views: 2818

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

...what would happen if a person just purchased insurance via healthcare.gov by entering the exact amount necessary to qualify for the maximum subsidy and then did the best they could to hit that number by next year's tax filing date? ...I'm not clear on why people try to be precise. ...HOWEVER, if...
by tbradnc
Fri Apr 03, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 25
Views: 3099

Re: early retiree, ACA "obamacare" MAGI ? but which numbers

Tangential followup - what would happen if a person just purchased insurance via healthcare.gov by entering the exact amount necessary to qualify for the maximum subsidy and then did the best they could to hit that number by next year's tax filing date? Worse case you would miss it by a few thousand...
by tbradnc
Fri Apr 03, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: early retiree, ACA "obamacare" MAGI ? but which numbers ??
Replies: 25
Views: 3099

Re: Cutting the cable cord - how did you do it?

I thought an internet connection was required for all those? It is a common figure of speech that represents ditching cable/satellite. Yes, I think it is safe to assume that near 100% of the people reading this forum have a broadband connection at their primary residence with or without cable TV ma...
by tbradnc
Thu Apr 02, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9659

Re: Best credit card for me???

If you can deal with 3 cards:

1. Pentagon Federal Cash Rewards - 5% cash back on gas.
2. Amex Blue Preferred - 6% cash back on groceries.
3. Citi Double Cash - 2% cash back on everything else.
by tbradnc
Thu Apr 02, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best credit card for me???
Replies: 18
Views: 2818

Re: Cutting the cable cord - how did you do it?

An old thread but I just wanted to report that we're now in week 3 of our DirecTV-less life and I couldn't be happier. Now instead of paying $76 a month for 200 channels with nothing on we pay $0.00 per month and have 18 channels with nothing on.... :) An interesting thing is that I'm happy with our...
by tbradnc
Thu Apr 02, 2015 8:05 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9659

Re: How long do sofas really last

We purchased a Lazy Boy sofa about 15 years ago but it has been through 3 teenage children growing up and about 500 of their friends sleeping on it over the years.

I'm going to guess that equal to 323 years of use by 2 middle or senior age adults who mainly sit and watch Netflix. :)
by tbradnc
Thu Apr 02, 2015 7:50 am
 
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4436

Re: MacBook Air or MacBook Pro

What are you going to use it for?

If you're going to be doing mostly internet related activities the Air is way more than plenty. I've used a Macbook Air for years and never not even once have I wished I had a Macbook Pro.
by tbradnc
Wed Apr 01, 2015 8:41 pm
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1855

Re: Manufactured Spending - Good Idea / Bad Idea?

I'm guess I'm happy with my 2% cash back cards. I had a friend in Charleston, SC send me a RedCard and it's still sitting on my desk. The truth is, I simply don't spend enough money and I don't owe enough money to make the circus worth the effort. The only things I really pay that I don't already ge...
by tbradnc
Wed Apr 01, 2015 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9597

Re: Minimizing income taxes in retirement

Toons wrote:Move to Tenneesee for starters :happy


Then you can enjoy the Hall Tax and 10% sales tax.... But hey... we don't have a state income tax.
by tbradnc
Wed Apr 01, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing income taxes in retirement
Replies: 54
Views: 5150

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: 2716

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: 2525

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: 53
Views: 6744

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: 790

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: 3972

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: 11
Views: 1302

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: 5
Views: 1199

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: 5
Views: 1199

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: 5075

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: 5075

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: 2096

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: 2203

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: 52
Views: 4994

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: 2203

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: 86
Views: 6334

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: 242
Views: 24723

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: 5
Views: 1199
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