Search found 222 matches

by yolli71
Thu Aug 13, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3344

Re: Is 401K Match included when someone asks you how much you make per year?

Hi All, sorry if this sounds like a stupid question, i just want to make sure I got this correct. per subject title, is 401K company match included when someone asks you how much you make per year? Hypothetical Example: Yearly Salary: $82,000 401K Company Match (@ 9%): 0.09 * $82,000 = $7380 Bonus ...
by yolli71
Tue Aug 11, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

AP story just released: -- NEW YORK — Good news for existing Verizon customers: You'll still be able to get discounted phones for $100 or $200 by renewing a two-year service contract. That part wasn't clear when Verizon announced Friday that new customers will no longer get discounted phones, but t...
by yolli71
Tue Aug 11, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage? You get the same 4G network and primary coverage as someone who is on Verizon. But, if roaming is important to...
by yolli71
Mon Aug 10, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage? You must have missed the post upthread by Shadow Dancer: The MVNOS, which I know of that currently offer Veriz...
by yolli71
Mon Aug 10, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage?
by yolli71
Sun Aug 09, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Can someone explain this to me? I have been eligible to upgrade my Verizon iPhone 5 for several months now, but I've held off because I was going to wait until after September (presumably when the next iPhone is released) to order my new phone for $200. My wife and I currently pay $120/mo total for...
by yolli71
Sat Aug 08, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 10955

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Can someone explain this to me? I have been eligible to upgrade my Verizon iPhone 5 for several months now, but I've held off because I was going to wait until after September (presumably when the next iPhone is released) to order my new phone for $200. My wife and I currently pay $120/mo total for ...
by yolli71
Sat Jun 20, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 2799

Re: Angie's List

Yes, I have and I think it's really helpful. One thing I've learned by talking to some of these companies is that Angie's List can bring them a lot of business, so the reviews are really important to them. I've had some of them ask me to post a positive review if I was happy w/ the service/repair. T...
by yolli71
Fri Apr 10, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Tip for car detail?
Replies: 1
Views: 419

Tip for car detail?

I'm about to have my first car detail. I'm having one of those companies that comes to your home and they'll be cleaning my minivan. I bought one of those Groupon deals, so it's going to run me $115 (the normal price is $230 according to their website). They will be doing these services: 3-4 Man Hou...
by yolli71
Sun Mar 22, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 7782

Re: Laptop: Windows based vs. Apple

This. We made the switch to a MacBook Pro 6 years ago and love it. We still own the same laptop after 6 years and it's running strong. Since that time, we've purchased iPhones, Apple TV, iPad, and a Time Capsule, and yes, they all really do work seamlessly. We've owned several different Windows lap...
by yolli71
Sat Mar 21, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 7782

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 d...
by yolli71
Sat Mar 14, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 9129

Re: Any other investors with 70/30 portfolio?

Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans? Age 45, I have a Federal government Pension and invested in TSP. Yes, my situation is very similar to yours. I'm 43 and work for the Fed govt and invest in the TSP. I'm at 70/30. My wif...
by yolli71
Fri Mar 06, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1352

Re: question about pensions for people with TSP

schmitz wrote:Thank you for all the help.

One follow up question : does she need to "sign up" or "activate" a pension or is it given to all employees automatically when they retire (if they qualify for it)?


It's automatic. How long has she been working for the fed govt.?
by yolli71
Fri Mar 06, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 3289

Re: Washing Dress Shirts

Do all of you who wash your own shirts also iron them?

I take mine to the cleaners b/c I don't want to deal with ironing them. If all I had to do was wash and dry and they came out truly wrinkle-free, I'd wash my own shirts too.
by yolli71
Mon Mar 02, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1391

Re: No heat

Thanks for the replies. I called around 5 or 6 different hvac companies this morning and decided to go with one that has been to my home in the past (he did one of those "tune-ups" a year or so ago). He confirmed the issue sounds like a problem with the motor and said he would charge $549 ...
by yolli71
Mon Mar 02, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1391

No heat

The gas furnace in my attic stopped working yesterday. You could hear it trying to run like normal but there was no air blowing out of the air registers. This exact problem also happened about a week ago and I called a company that was able to come out on the same day and fix it. He replaced my capa...
by yolli71
Fri Feb 27, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 12472

Re: American Express Blue preferred vs Sallie Mae Mastercard

I just had a very troubling experience with my Blue Cash Preferred. I wished to redeem my rewards as a statement credit. I tried doing it online and got a window which raised questions since an icon for Bonefish Grill appeared in the middle of the window. I called customer service 3 times. In the f...
by yolli71
Fri Feb 27, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 12472

Re: American Express Blue preferred vs Sallie Mae Mastercard

Has anyone tried buying gift cards in a grocery store with the Blue Cash Preferred? Technically they will not earn the 6% as a cash equivalent, but I suspect that it's not detected nor enforced. I have tested the purchase of gift cards in a grocery store with the Sallie Mae and you do earn the 5%. ...
by yolli71
Fri Feb 20, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 8811

Re: 2 comma club (my way)!!

Congrats!!!
by yolli71
Sun Feb 15, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2319

Re: 529 Lump Sum contribution for newborn

We made the max lump sum contribution for both of our kids within a year of their birth. I know we didn't have to make that kind of contribution right away, but it sure felt good to minimize or eliminate a future financial burden. I've never spent time worrying that I've saved too much for our chil...
by yolli71
Sat Feb 14, 2015 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2319

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2319

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 2319

Re: 529 Lump Sum contribution for newborn

How many of you have made the $70K (or $140K if married) lump sum contribution to a 529? Put another way, if you had a newborn and had the investable cash (already contributed to retirement plans and emergency fund, not saving to buy a house, etc.), what amount (up to $140K) would you put in a 529 ...
by yolli71
Sat Feb 14, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: eyeball recessed lights
Replies: 1
Views: 214

eyeball recessed lights

We are looking to replace the old eyeball recessed lights over our fireplace as we find them to be pretty ugly. Does anyone have any suggestions on a more modern replacement? I didn't notice anything at my local Home Depot...are there more attractive recessed light options that serve the same purpos...
by yolli71
Sat Jan 24, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1043
Views: 172169

Re: What Movie Have You Recently Watched?

Hobbit Part 3. I really have severe reservations about the whole trilogy. It should never have been a trilogy in the first place. It's difficult to swallow the changes from the book for someone who owns a copy of the 2nd ed. of the original. Nonetheless the visuals based on the work of Alan Lee mad...
by yolli71
Sat Jan 24, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 3078

Re: Amazon Prime Is $72 Tomorrow for New Users

I love our Prime membership. Besides the 2 day shipping and streaming videos, Prime now also does free streaming music and my new favorite...unlimited free photo cloud storage. All pics taken on my iPhone automatically are uploaded to the Amazon cloud and can be accessed from anywhere. I now have 3,...
by yolli71
Mon Jan 12, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Qualify for 2015 Roth?
Replies: 3
Views: 376

Qualify for 2015 Roth?

Basic question for all... If I'm in a position where I know I may not qualify for a 2015 Roth contribution (due to unknown income this year such as possible bonuses, etc.), should I just go ahead and do the Backdoor Roth now (even if I find out later I would have qualified for a traditional Roth at ...
by yolli71
Sat Nov 15, 2014 1:02 pm
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 4086

Re: Experience with Target Redcard?

Yep...my wife shops at Target all the time and uses the credit REDcard. As others have mentioned, the perks are: 5% off, free shipping, and an extra 30 days on returns. As an added bonus, they also donate 1% of all your REDcard purchases to any school of your choice (our donations go to our kids ele...
by yolli71
Fri Aug 15, 2014 11:31 am
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 2444

Re: Minivan time! Opinions on 2013 Town & Country, Please

ReedMan -- We were in the market for a minivan in 2012. We didn't consider the T&C b/c my wife said she wanted a reliable Japanese vehicle (not to imply that T&C is unreliable). After looking at and test driving the main options, we elected to go with the Nissan Quest. I know Nissan isn't as...
by yolli71
Sat Jul 26, 2014 9:14 am
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 6135

Re: Public Speaking-help

Tom, I can relate and I truly feel your pain. A lot of the people who are telling you to just "power through it," "make sure you know your material," "get a good night's rest," etc., don't really understand that this is more about a true debilitating anxiety than it is ...
by yolli71
Fri Jul 18, 2014 7:52 am
Forum: Personal Consumer Issues
Topic: Apple TV
Replies: 43
Views: 5595

Re: Apple TV

As mhalley said, it's all about your internet speed. You probably have to upgrade your speed. Also, if possible, hook the internet ethernet cable directly into the Apple TV (instead of using a wireless network). I personally use wireless and it works just fine, but doing the direct hookup would give...
by yolli71
Fri Jul 04, 2014 2:19 pm
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 4117

Re: Best website for airfare?

Thanks everyone! I'll check these out.
by yolli71
Thu Jul 03, 2014 8:10 am
Forum: Personal Consumer Issues
Topic: Best website for airfare?
Replies: 20
Views: 4117

Best website for airfare?

I'm looking to travel from DC to San Diego sometime this year to visit family. I can take this trip just about any time, so I'm looking for a website that can provide me quotes for the cheapest flights based on an "open" schedule. In other words, what are the cheapest months & days of ...
by yolli71
Wed Jul 02, 2014 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 10594

Re: do you lie about your finances to friends

I wouldn't say I "lie," but I'm selective about the info I provide. I'm very open about my salary b/c most of my friends make more than me and I'm a federal employee (where finding that out would be pretty easy anyway). What I don't tell is how much I "have" due to my savings. I'...
by yolli71
Tue Jul 01, 2014 12:17 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding [air duct] returns cool the upstairs bedroom

We have had some HOT weather in the DC area in recent weeks. How are things going with your cooling situation? Actually not that bad. Now that we've had some really hot weather, this is what I have discovered: the air seal/insulation in the attic I had done last Oct. has definitely helped...it just...
by yolli71
Thu Jun 26, 2014 5:26 pm
Forum: Personal Consumer Issues
Topic: favorite mid/low-priced Caribbean locale?
Replies: 30
Views: 3754

Re: favorite mid/low-priced Caribbean locale?

Jamaica and Dominican Republic will give you the best bang for your buck. I know you can get direct flights into Punta Cana and I'm pretty sure you can into Jamaica as well (probably Montego Bay).
by yolli71
Wed Jun 25, 2014 4:45 pm
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2713

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by yolli71
Fri Jun 20, 2014 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 42353

Re: Anyone regret paying off mortgage early?

I'm the OP and sorry to bring up a 2 year old thread. We finally paid off the mortgage last September. If we hadn't paid off, we would be better off now with the higher equity return (~15%). Nevertheless, I don't regret paying off the mortgage. Human psychology is a funny thing. The only regret is ...
by yolli71
Thu Jun 19, 2014 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 75
Views: 6110

Re: Experience with PenFed refinance

If you want a great deal, I say definitely give them a shot. If you want a worry-free quick settlement, look elsewhere. They take a long time to close and they're very picky as far as underwriting guidelines (but that's probably why they offer such great deals). If you're a "clean" applica...
by yolli71
Mon Jun 16, 2014 7:28 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding [air duct] returns cool the upstairs bedroom

I wonder if it's possible that the ductwork in the attic gets warmed up enough in the hot attic to produce air that isn't as cold as it should be? What's the temperature of the air coming out the AC vents compared to the temperature at the return air? I believe the vents should be 15-20F cooler tha...
by yolli71
Mon Jun 16, 2014 7:19 pm
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3777

Re: Buying a new mattress and bedding

How long on the Tuft and Needle? Only 2 months so far, but absolutely NO signs of any sagging at this point. The mattress is fairly firm and has no pillowtop (yet is comfortable), and it does not have any memory foam (another thing I don't like about most of today's mattresses). It's apparently mad...
by yolli71
Mon Jun 16, 2014 7:06 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding [air duct] returns cool the upstairs bedroom

Are there doors between the main and upper floors? If not the air can stratify on its own - trying to lower the temp upstairs just results in the cool air flowing down the stairs. Stairways are very large air ducts :-). We have a 3 story house, and shutting the door at the top of the upper stairs h...
by yolli71
Mon Jun 16, 2014 6:52 pm
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3777

Re: Buying a new mattress and bedding

I'm curious how you buy a mattress at Costco. I'm not a member but have shopped in Costco a few times with friends. I've never seen a mattress there. Do you just buy what you think you want online? Yes, that's exactly what you do. They do on occasion have mattresses in their warehouse, but it's not...
by yolli71
Mon Jun 16, 2014 3:40 pm
Forum: Personal Consumer Issues
Topic: Buying a new mattress and bedding
Replies: 38
Views: 3777

Re: Buying a new mattress and bedding

I have bought 2 mattresses within the past 8 months and 3 within the past 5 years...it is definitely a frustrating experience. I have learned a lot over this time and have one of 2 recommendations: buy your mattress from Costco b/c of their excellent return policy, or buy from Tuft & Needle onli...
by yolli71
Mon Jun 16, 2014 10:58 am
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding [air duct] returns cool the upstairs bedroom

A trip into the attic with the unit running to check for leaks in the duct work might make sense. I had a few smallish leaks in my system that were easily found just by passing my hand across the duct work with the unit running. There are some great youtube videos that show how to fix the leaks onc...
by yolli71
Sat Jun 14, 2014 8:26 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding [air duct] returns cool the upstairs bedroom

Frankly, I'm surprised the auditor apparently did not recommend ceiling fans. Good point...I'm kind of surprised too now that I think of it. I'm thinking maybe he didn't mention it b/c he was trying to find the root cause of the problem. Like I said, the thermostat is in the master bedroom which fa...
by yolli71
Sat Jun 14, 2014 7:59 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding [air duct] returns cool the upstairs bedroom

Hi all...to answer more questions: 1. Yes, I do mean a venting fan (not an actual attic fan). I now realize this maybe wasn't optimal. I used to have an electric powered operated venting fan with no ridge vent...now I have a ridge vent with a solar powered venting fan (they simply replaced the old f...
by yolli71
Sat Jun 14, 2014 2:59 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Re: Will adding returns cool the upstairs bedrooms?

Thanks for the responses everyone. To answer some of your questions: 1. The energy auditor was BPI certified and a member of RESNET. He did do the blower door test and gave me the before and after results once the work was done. 2. The thermostat is in the master bedroom and there are 2 returns upst...
by yolli71
Fri Jun 13, 2014 1:05 pm
Forum: Personal Consumer Issues
Topic: Will adding [air duct] returns cool the upstairs bedrooms?
Replies: 60
Views: 7616

Will adding [air duct] returns cool the upstairs bedrooms?

Will adding an air return to each bedroom help cool the upstairs bedrooms in the summer? Background: I have always had a hard time cooling down the upstairs level of my SFH during hot summer days. I live in the DC area in a 3 level home that's about 3,500 sq ft. I have two 3 ton units for my home......
by yolli71
Fri Jun 06, 2014 6:53 am
Forum: Personal Consumer Issues
Topic: Replacement checks?
Replies: 29
Views: 1884

Re: Replacement checks?

Great thread...thank you. I had no idea I could order checks from someplace other than my bank (Bank of America).

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