Search found 240 matches

by Cyclone
Tue Nov 21, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4130

Re: Trip to Hawaii - what do I need to know

Step one is to figure out what you want to see, because each island is different. For example, if you want to see a volcano you need to go to the Big Island.
by Cyclone
Fri Oct 27, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not discharging PMI?
Replies: 15
Views: 1963

Re: Bank not discharging PMI?

In addition to the Homeowners Protection Act, Fannie Mae and Freddie Mac have their own rules, in case the loan was sold to them.
by Cyclone
Mon Oct 16, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 3956

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

If visiting Pearl Harbor, you should make reservations ahead of time. My wife and I went to visit in July and I forgot about that. We got to Pearl Harbor shortly after it opened, and the boats to the memorial were already booked until 3:30. I have to laugh at the posters referring to Honolulu as a "...
by Cyclone
Sun Oct 08, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 3062

Re: Rental cars and Lose of Use insurance

I have the type of Amex insurance that you pay $18 per rental. It is primary coverage (on the rental car, not any other car you hit). I did learn the hard way that it does work like they say it will, and their service was very good. I don't know the details about logs and such, but I know they did r...
by Cyclone
Fri Oct 06, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2742

Re: Fidelity: can no longer use first initial, middle name

There is absolutely nothing in the Patriot Act that says financial institution customers cannot use an initial as their first name.
by Cyclone
Sat Sep 02, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 4080

Re: Discover card inquiry about income and liquid assets

DaftInvestor is correct. Recent changes in regulations require that the credit card issuer ask your income before increasing your credit limit. The issuer can rely on what you say. In other words they do not have to ask for proof, although I think they can.
by Cyclone
Thu Aug 24, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not responsible for money stolen by online hackers.
Replies: 13
Views: 3365

Re: Bank not responsible for money stolen by online hackers.

As somebody said, business accounts do not have nearly the same protections as consumer accounts.
by Cyclone
Fri Aug 18, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 6
Views: 649

Re: Organ (Music) Question

My mother has a church organ (by Allen) I will probably have to dispose of someday as well. She says there are always churches or colleges that would like to have one.
by Cyclone
Thu Jul 27, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 2915

Re: Where to move? New job, considering Nevada...

Two points: - If you are considering Phoenix, you might also think about Tucson. It is smaller and a little cooler (because of higher elevation). There are other small cities in Arizona (such as Flagstaff, Prescott, or Payson) that are not hot at all. - I believe the Big Island of Hawaii can be a ch...
by Cyclone
Tue Jul 04, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Office Building with 12 Tenants
Replies: 19
Views: 2147

Re: Commercial Office Building with 12 Tenants

Can you really get a loan for 20 percent down? The bank I work for would require at least 25 percent. How about that interest rate of 5 percent, is that fixed for the full ten years?
by Cyclone
Tue Jun 27, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4487

Re: Things to do in Iowa/Nebraska

I would devote more time to the Amanas. It's one of Iowa's top attractions (for what it's worth - it's no Grand Canyon). I would skip Adventureland entirely, it's just a crappy tiny theme park. There are much better things to do in or near Des Moines.
by Cyclone
Tue Jun 27, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 4487

Re: Things to do in Iowa/Nebraska

That is a terrible time to go - too late for strawberries and too early for sweet corn. The Iowa State Fair is a few weeks later, too. Probably the best thing to see there is the fair, you really should see it. One suggestion I don't see yet is to tour Winnebago Industries in Forest City. In Winneba...
by Cyclone
Wed Jun 14, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 2850

Re: Having someone else pay our mortgage

That plan would make this a loan on an investment property, and not your primary residence, so that is one difference right off the bat.
by Cyclone
Mon May 22, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1344

Re: Help me help my non-US citizen fiancée

It's going to be extremely difficult, if not impossible, for someone to open a financial institution account without a Social Security number these days. "Midareff" had some good advice - I brought my wife here from the Philippines. For step one I would check into if it's even possible for your fian...
by Cyclone
Sun May 21, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3405

Re: Chandler, AZ

Here is a free sweepstakes anyone can enter to win a $1 million+ home in Scottsdale. It's not Chandler, but it's free:

http://www.hgtv.com/design/hgtv-smart-home
by Cyclone
Sat May 06, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1418

Re: Southeast Asia for a week, in August first week

You could also consider Cebu, Philippines. It is a city, but a small city. It is very easy to get to the countryside and beaches if that is what you want. Language isn't a problem either, since everyone will speak English to you (or at least try).
by Cyclone
Wed Apr 26, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1270

Re: How to find a good local mechanic?

I have had poor experiences with both AAA and Yelp-recommended mechanics, and am sticking with the dealer. At least they know the brand better. I don't know why a local mechanic also wouldn't have incentive to recommend unneeded repairs.
by Cyclone
Wed Apr 19, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 44414

Re: Larry Swedroe says "Goodby."

I don't blame him at all. I've basically been told on this forum that I'm stupid for having the dealer change the oil on my car. I try very hard to make my posts noncontroversial, but some people just love to argue.
by Cyclone
Wed Apr 19, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Credit score and closing old cards
Replies: 9
Views: 1031

Re: Credit score and closing old cards

Be aware that if you don't use a credit card for awhile, they might cancel it. They may not even tell you it was canceled.
by Cyclone
Tue Apr 18, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9528

Re: Mens Blue Jeans - What are we buying now?!

I like a brand called Maverick that I have only seen on Amazon. I think I paid $13.
by Cyclone
Fri Apr 14, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Where to find business appropriate clothing [womens small sizes]
Replies: 8
Views: 1003

Re: Where to find business appropriate clothing [womens small sizes]

My wife is 4-9 and weighs 90 pounds, and has the same problem. Fredericks of Hollywood (believe it or not) used to have dresses that fit her that you could wear to work, but they don't sell dresses anymore. American Apparel clothing fits her, but they are almost out of business. The only other brand...
by Cyclone
Sun Apr 09, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 2639

Re: BH thoughts on car insurance

If you live in California (taking a wild guess), you can use the California Department of Insurance website both to compare rates and to see complaint statistics.
by Cyclone
Sun Apr 09, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 3945

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I am not making a joke at all. I have had poor experiences with the friendly local independent mechanics. In my experience they don't know the brand nearly as well as the dealer. But to each his own. "Your mileage may vary", if I can use a pun here.
by Cyclone
Sat Apr 08, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 3945

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I bought a Toyota Corolla 18 months ago, and I just took it for the 18-month service yesterday. The first four services are free ("ToyotaCare"). Just to compare, yesterday for $329 I was offered to extend that for four more services (plus an additional two if I have it serviced where I bought it) an...
by Cyclone
Thu Mar 16, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 3209

Re: won a car - want to sell

Maybe the solution is to trade in the car you won, and your current car, on another car that you do want.
by Cyclone
Fri Mar 03, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance without PMI?
Replies: 29
Views: 2557

Re: Refinance without PMI?

You should simply talk with your current lender first, before refinancing. See what your options are. You might get lucky - they could just say they'll drop it with no problem (if there has been significant appreciation in your area). At least see what they have to say.
by Cyclone
Sat Feb 18, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage Check Fraud
Replies: 4
Views: 1125

Re: Vanguard Advantage Check Fraud

I couldn't find anything on the Vanguard website, either. So it sounds like this isn't a bank account. What is it? If this isn't an account with a regulated bank, I'm guessing their account agreement will apply here (but as you said you can't find the agreement). That's why I use Charles Schwab. The...
by Cyclone
Mon Jan 09, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4298

Re: Teeth whitening

My teeth are particularly yellow. I used the gel and tray sold by the dentist for awhile. I found that simply brushing with Sensodyne Extra Whitening gave me all the whitening that I need.
by Cyclone
Sun Jan 08, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4732

Re: The funk - gym clothes

I let mine dry overnight before putting them in the hamper, and it seems to help.
by Cyclone
Thu Jan 05, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 77
Views: 16353

Re: Charles Schwab Checking + Brokerage Account

A bank can decide to close your account without giving you a reason. I'm not saying that makes it right, just that they can. Usually it's because they think you are a risk (check kiting or money laundering most of the time).
by Cyclone
Thu Dec 22, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: I have an inheritance...please help me plan my course of action!
Replies: 13
Views: 2433

Re: I have an inheritance...please help me plan my course of action!

It may not have been crystal clear from the answers, but you want to keep the money already in the IRA / 401k in the IRA / 401k as long as you can. There is no tax as long as it stays there. There will be required minimum distributions, which you can read about. If you need money for something, try ...
by Cyclone
Wed Dec 21, 2016 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Moved to the USA one year ago, how to build credit?
Replies: 12
Views: 1150

Re: Moved to the USA one year ago, how to build credit?

A few years ago my wife got a Capital One credit card that was especially marketed for new immigrants, and she didn't have a credit history. I'm not sure if they still offer that. I cannot believe that the US credit rating agencies would know anything about your old Canadian phone bill. These days a...
by Cyclone
Thu Dec 08, 2016 12:59 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult...ten months later.
Replies: 166
Views: 20537

Re: Learning an instrument as an adult?

I would encourage anyone at any age to learn an instrument. But a violin is a very tough choice for an adult. In order to play it properly you have to bend your arms and neck in ways you never thought possible, unless you are really just interested in "fiddling".
by Cyclone
Sun Oct 23, 2016 8:27 pm
Forum: Personal Consumer Issues
Topic: denied checking account for too many chex inquiries
Replies: 9
Views: 1288

Re: denied checking account for too many chex inquiries

I believe what worries them more than bonuses, is that you may be opening numerous accounts to engage in kiting.

(I see the previous poster clicked "enter" just a little quicker than I did).
by Cyclone
Mon Oct 10, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Report? pulls from the majors
Replies: 10
Views: 847

Re: Free Credit Report? pulls from the majors

I recommend that everyone get the "Full File Disclosure" from Lexis / Nexis periodically. It will include the CLUE reports and everything else they have on you. I did it a couple of years ago and I was surprised - for the most part it was accurate, and they do know a lot of stuff about you...
by Cyclone
Sat Aug 27, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: Hawaii anniversary trip suggestions
Replies: 33
Views: 3543

Re: Hawaii anniversary trip suggestions

I have a bias since my wife works for Four Seasons, but they just opened a new property on Oahu. It's far away from the "commercialization" that other people are warning about.
by Cyclone
Tue Aug 23, 2016 12:31 am
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 4496

Re: Favorite Asian Vacation?

I'm partial to the Philippines, because I met my wife there (in Cebu). I think Travel and Leisure magazine recently named Palawan as the best island in the world to visit, or very highly ranked anyway. Boracay would also be a good choice. People will automatically speak English to foreigners, so com...
by Cyclone
Wed Aug 03, 2016 11:25 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4970

Re: Stock Screeners

What would have been the returns if your screen did NOT turn up Apple?
by Cyclone
Tue Jul 19, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: Farmland REITs?
Replies: 29
Views: 3593

Re: Farmland REITs?

You can also invest in the stock of Alico (symbol ALCO). They own something like 121,000 acres of farmland in southwest Florida.
by Cyclone
Fri Jul 08, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 3602

Re: resort fees at hotels mandatory?

Declining the key would make a lot of sense, but their mini bars don't have keys. I don't know why the alcohol just can't sit in there untouched. Maybe the guests are afraid they might drink it while sleepwalking.
by Cyclone
Fri Jul 08, 2016 8:22 pm
Forum: Personal Consumer Issues
Topic: resort fees at hotels mandatory?
Replies: 34
Views: 3602

Re: resort fees at hotels mandatory?

"Years ago questioned it at a resort in Hawaii and part of the fee was to restock the minibar. Advised I had no plan to consume anything in there so empty it. I don't need another person entering my room just to check that every day. They did, but no discount. Next time I asked for that elsewhe...
by Cyclone
Mon Jul 04, 2016 11:29 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 6059

Re: Your Favorite Factory Tours?

When I was about five years old my family and I saw the Hormel packing plant in Austin, Minnesota. That's where Spam comes from. Mostly I remember the smell of bleach - it seems like half the workers were there for cleaning. I don't think they have tours anymore. Winnebago Industries in Forest City,...
by Cyclone
Wed Jun 22, 2016 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Schwab platinum card
Replies: 10
Views: 1885

Re: AMEX Schwab platinum card

They also have a Schwab Investor American Express card with no annual fee. It's not platinum, though.
by Cyclone
Sun Jun 19, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 479

Re: How to go about using a grandmother gift for down payment?

She can just give you the check, or however you want to transfer the money. It will sit in your bank account until you are ready to apply. You will tell the lender that your down payment is coming from a gift which is in this bank account. They will need a letter from your grandmother stating that i...
by Cyclone
Mon Jun 06, 2016 9:54 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 72
Views: 6784

Re: Things to Do and See on Kauai, Hawaii

The pizza place people are talking about is called Brick OVEN Pizza (not Brick House Pizza). It is very good. I also liked Duane's Ono Burger. Don't feed the wild chickens you see running around Duane's - they aren't native and you aren't supposed to feed them. You cannot go to Kauai and miss Kalala...
by Cyclone
Wed Jun 01, 2016 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Lender Playing HideNSeek with Appraisal?
Replies: 7
Views: 1008

Re: Lender Playing HideNSeek with Appraisal?

The lender will never, ever accept a report from an appraiser that you hire. That is a waste of money. MikeDun is right - the lender probably had issues with the report. You will be getting a copy very soon after it is final.
by Cyclone
Sun May 29, 2016 1:23 pm
Forum: Personal Consumer Issues
Topic: Pre-Qualify for Auto Loan
Replies: 5
Views: 450

Re: Pre-Qualify for Auto Loan

I bought a Toyota Corolla last October and financed with Toyota Motor Credit. You don't need to "pre-qualify". As long as your credit score is above a certain amount (I think it was 700) everyone gets the same deal. They only asked if I had a job, I didn't have to show proof of income. I g...
by Cyclone
Mon May 23, 2016 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Living without a checking account
Replies: 48
Views: 4928

Re: Living without a checking account

You can get a Bluebird card from American Express. Your paycheck can be directly deposited to the card, and they have a bill pay feature. I don't know if you're thinking of something like that.
by Cyclone
Fri May 20, 2016 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: I got a home loan from Wells Fargo ; should I shop around?
Replies: 20
Views: 1885

Re: I got a home loan from Wells Fargo ; should I shop around?

By the way, the disclosure is now called a "Loan Estimate". They don't use "good faith estimates" anymore. The new disclosure is supposed to be more understandable and to make shopping around easier. Compare the fees as well - a lot more goes into it than the interest rate.
by Cyclone
Sun May 15, 2016 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage banks are confusing me
Replies: 6
Views: 810

Re: Mortgage banks are confusing me

You are supposed to be getting a document called a Loan Estimate. Is that where these numbers are from?