Search found 848 matches

by tbradnc
Fri Jul 03, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Amex 6.99% interest offer
Replies: 20
Views: 2915

Re: Amex 6.99% interest offer

Grt2boutdoors, I find value in and hold 2 Amex cards. One, Fidelity one, gets me 2% back into our Fidelity account. The Amex Cash Preferred card costs $75/year, but pays 6% on groceries to a max reward of $360 (on $6000 of groceries). My wife has one that pays points, and I think it's a waste of ti...
by tbradnc
Thu Jul 02, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Amex 6.99% interest offer
Replies: 20
Views: 2915

Amex 6.99% interest offer

Today I received an offer from Amex. If I were to accept my APR would drop to 6.99% for the next 12 billing cycles. I think the current APR is around 20%ish.... The interesting thing is that in all my life I've never paid a penny of interest to American Express. Surely they could mine that informati...
by tbradnc
Sat May 30, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Retirement and Proximity to "Teaching Hospitals"
Replies: 44
Views: 4379

Re: Retirement and Proximity to "Teaching Hospitals"

Perhaps being their only child makes a difference. At any rate, I doubt they could care less what you think.
by tbradnc
Sat May 30, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: Retirement and Proximity to "Teaching Hospitals"
Replies: 44
Views: 4379

Re: Retirement and Proximity to "Teaching Hospitals"

I have close relative who has a medical issue her loved ones consider worthy enough to travel to Duke in NC, a teaching hospital with above average outcomes for this particular ailment. According to the parents (patient is a minor) they request that "no students are involved" in the actual...
by tbradnc
Sat May 30, 2015 3:40 pm
Forum: Personal Consumer Issues
Topic: Sling TV experiences
Replies: 12
Views: 1771

Re: Sling TV experiences

I think just the fact you can subscribe/unsubscribe with the click of your mouse is a huge plus. Calling a cable company, being on hold, talking to a retention specialist and *maybe* getting a bit of a discount only to have to repeat the process every 6 months is a huge PITA as far as I'm concerned.
by tbradnc
Fri May 29, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

We have 4 lines with Verizon now... The reason I want to own the phone outright is because we have 2 off contract and 2 that are coming off contract this year.

I'd like to be unencumbered by contracts so that I can really-seriously-I'm-not-kidding look into a Verizon MVNO.....
by tbradnc
Fri May 29, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

Something' else - I can sell my old phone, an iPhone 5s, and put that against what I paid for the iPhone 6. My iPhone 5s has been a life proof case since I got it and is in mint condition so I should be able to get top dollar.
by tbradnc
Thu May 28, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

Would be nice if there were some kind of way they would present these things in plain English without there being a hint of a shell game. 2 times I can plainly recall taking the advice of a Verizon rep to save money and both times my bill went up, not down. I received a PM a few minutes after I sta...
by tbradnc
Thu May 28, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

Buy online. As for it the discounts make sense to you, you have to run the math. Most of the programs save you a little money at the expense of being locked in. The problem is getting through the hype and marketing material to pull out the numbers in order to do the math. I understand there are peo...
by tbradnc
Thu May 28, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

Would be nice if there were some kind of way they would present these things in plain English without there being a hint of a shell game. 2 times I can plainly recall taking the advice of a Verizon rep to save money and both times my bill went up, not down. I received a PM a few minutes after I star...
by tbradnc
Thu May 28, 2015 10:31 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

One PM later and a google search shows that I did indeed err by not taking the $25 discount...

http://www.reddit.com/r/verizon/comment ... it_a_scam/

Live and learn!
by tbradnc
Thu May 28, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Re: Buying iPhone 6 at full retail

I did buy the phone outright and turned down the Edge offer.

My thinking was that Verizon isn't in the business of selling iPhones for $144... The full price of the phone has to be buried in there somewhere.
by tbradnc
Thu May 28, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 2964

Buying iPhone 6 at full retail

I went to the Verizon store yesterday and asked to buy an iPhone 6. The sales person pulled up my account and asked me which upgrade I wanted to use. I told him I wanted to just buy the phone. There was about 5 seconds of silence and he explained to me how I could get the phone I wanted for $399 + t...
by tbradnc
Wed May 27, 2015 6:16 am
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3506

Re: iPhone with or without contract?

I still can't get over how everyone is recommending service based on price instead of coverage. If someone gave me unlimited talk/text/data on Sprint-T-Mobile-AT&T or any of their MVNO's and paid me $35 a month to use it I couldn't because they're mostly useless here outside the city limits of o...
by tbradnc
Mon May 25, 2015 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3506

Re: iPhone with or without contract?

We live in the sticks and Verizon is the only wireless carrier that's useful unless you never leave the city limits. Leave town and without Verizon you're not calling anyone.
by tbradnc
Mon May 25, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: How to sell a large statue?
Replies: 34
Views: 2986

Re: How to sell a large statue?

Why not let your parents deal with it? They want to give it to you, but they don't want it donated? Then they're not actually giving it to you. Sounds like they are invested in this thing and there might be hard feelings in how you decide to deal with it. You beat me to it.... My mom frequently tri...
by tbradnc
Mon May 25, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3506

Re: iPhone with or without contract?

I have a Verizon phone that has completed the 2 year term and past the early termination fee. I'm going to buy an iPhone 6 outright and replace the out-of-contract phone with it, monthly bill will stay exactly the same - I'm out the cost of the phone. I'll toss the old phone in a drawer or maybe se...
by tbradnc
Mon May 25, 2015 6:24 am
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 30
Views: 3506

Re: iPhone with or without contract?

I have a Verizon phone that has completed the 2 year term and past the early termination fee. I'm going to buy an iPhone 6 outright and replace the out-of-contract phone with it, monthly bill will stay exactly the same - I'm out the cost of the phone. I'll toss the old phone in a drawer or maybe sel...
by tbradnc
Fri May 15, 2015 6:41 am
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 3455

Re: Lightweight camping gear

Tarps are great if you're experienced in site selection and different pitching techniques with your tarp. They're not as forgiving as a tent, which is an enclosed shelter - when it comes to wind and rain protection. Also, some people don't like tarps because creepy-crawlies can get on you since you'...
by tbradnc
Thu May 14, 2015 7:01 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 3455

Re: Lightweight camping gear

I'm a long distance hiker with a 8 lb summer base weight - here's what I recommend.

Tent: www.tarptent.com
Pack: www.ula-equipment.com
Sleeping Bag: www.westernmountaineering.com
by tbradnc
Wed May 06, 2015 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 6407

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

Spent a few days in Armarillo. Good bbq. That's about it.

Check out east Tennessee. No income tax but we have the Hall Tax on interest/dividends $2500 exemption, MFJ. 6% on everything above that. Oh.. and a 10% sales tax.
by tbradnc
Tue May 05, 2015 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card for 16 Years Old
Replies: 23
Views: 1817

Re: Credit Card for 16 Years Old

I got both of my children Capital One secured credit cards with a $200 limit when they turned 18. Prior to that I was a joint owner of their checking account and gave them the debit card. My 20 year old daughter just got a pre-approved Amex Simply Cash offer with $250 signup bonus a few weeks ago an...
by tbradnc
Tue May 05, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Fidelity AMEX with Citibank Double Cash
Replies: 14
Views: 2079

Re: Replace Fidelity AMEX with Citibank Double Cash

I'm not BUT I have the no longer available Fido 2% mastercard as well as the 2% amex. I also do the quicksilver for non US purchases since both fido cards have the foreign txn fee (among a gaggle of others for specific purposes, like amazon etc - read anything > 2% :D). While the FIA website is pat...
by tbradnc
Tue May 05, 2015 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Replace Fidelity AMEX with Citibank Double Cash
Replies: 14
Views: 2079

Re: Replace Fidelity AMEX with Citibank Double Cash

I also used a combo of Fido 2% AMEX paired with a Quicksilver 1.5% for places that didn't accept AMEX. Switching to the Citi Double Cash allowed me to retire both of the other cards, simplifying things. Also no longer have to use FIA's terrible website, a big bonus. Now I just have: 1. Citi Double C...
by tbradnc
Mon May 04, 2015 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: DIY distance moving
Replies: 38
Views: 3269

Re: DIY distance moving

I didn't read the entire thread but I've told many people that the best money I've ever spent was to hire movers to take our stuff from North Carolina to Tennessee when we moved. They set up the beds, put the furniture where we wanted it and sorted boxes into the proper rooms. Self-moving is for 20 ...
by tbradnc
Mon May 04, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: HSA contribution Strategies for early/semi-retired person
Replies: 5
Views: 590

Re: HSA contribution Strategies for early/semi-retired person

Since retiring I'm downsizing our dedicated emergency fund and one of the ways I did that this year was fully found our HSA with it. I'll do that every year since I now see our entire portfolio is a gigantic emergency fund. Be sure to save receipts if you pay medical expenses with non-HSA funds. Tha...
by tbradnc
Mon May 04, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU Military Appreciation Month
Replies: 3
Views: 562

Re: NFCU Military Appreciation Month

As posted elsewhere. There's some fine print that's pretty important on the 3.50% cert: Certificate owner(s) age 18 and older must have a Defense Finance and Accounting Service (DFAS) Direct Deposit of Net Pay or a DFAS Allotment within 90 days of the certificate issue date. If these requirements ha...
by tbradnc
Sun May 03, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal Credit Union May Specials
Replies: 4
Views: 1321

Re: Navy Federal Credit Union May Specials

There's some fine print that's pretty important on the 3.50% cert: Certificate owner(s) age 18 and older must have a Defense Finance and Accounting Service (DFAS) Direct Deposit of Net Pay or a DFAS Allotment within 90 days of the certificate issue date. If these requirements have not been satisfied...
by tbradnc
Sat May 02, 2015 5:25 am
Forum: Personal Finance (Not Investing)
Topic: 0% Interest Car Loan
Replies: 24
Views: 2162

Re: 0% Interest Car Loan

I always equate "self-insured" with "uninsured"....
by tbradnc
Fri May 01, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: FIA Card Services website
Replies: 18
Views: 2000

Re: FIA Card Services website

One of the best things about the Citi Double Cash card is that you get to use Citi's website instead of FIA's....
by tbradnc
Tue Apr 21, 2015 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 45
Views: 7049

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 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Question about Citi Double Cash Card
Replies: 45
Views: 7049

Re: Question about Citi Double Cash Card

Also got a $8000 credit limit with an 800+ credit score.
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: 3915

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 5:31 am
Forum: Personal Consumer Issues
Topic: Help me choose: HDHP/HSA or Regular Health Care Plan
Replies: 13
Views: 1292

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
Mon Apr 13, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 5237

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 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Datapoint for credit score after applying for a new card
Replies: 0
Views: 198

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
Sun Apr 12, 2015 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone semi-retired? What's it like?
Replies: 16
Views: 2736

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
Sat Apr 11, 2015 4:06 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 3543

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 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One getting out of cash rewards credit cards?
Replies: 12
Views: 2978

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
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: 2978

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 4:02 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 10935

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 3:03 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 10935

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 1:53 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 10935

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 1:42 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 10935

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 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay more than face value for a gift card
Replies: 19
Views: 2195

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 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 9619

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 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why pay more than face value for a gift card
Replies: 19
Views: 2195

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 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Why pay more than face value for a gift card
Replies: 19
Views: 2195

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
Mon Apr 06, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 12349

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 8:12 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 12349

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 ...

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