Search found 213 matches

by Cyclone
Mon Jan 09, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 3349

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: 3919

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: 70
Views: 9656

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: 2091

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: 831

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?
Replies: 123
Views: 9852

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: 953

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: 670

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: 2983

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: 3894

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: 3959

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: 26
Views: 2197

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: 3162

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: 3162

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: 5125

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: 1394

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: 375

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: 71
Views: 4934

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: 899

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: 359

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: 4136

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: 1729

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: 684

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?
by Cyclone
Fri May 13, 2016 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab Voice ID - Anybody try it yet?
Replies: 6
Views: 1031

Schwab Voice ID - Anybody try it yet?

I received an email today that Charles Schwab is adding voice ID when you call in. Has anybody tried it yet? It sounds nice if it works as well as they say it does.
by Cyclone
Wed Apr 06, 2016 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: How does FICO know your income?
Replies: 29
Views: 3737

Re: How does FICO know your income?

The credit bureaus DO know your income, or at least they think they do. This is a product the bank I work for uses when issuing credit cards. The income as stated on the credit card application needs to be in the ballpark of what Income Insight reports. If not, the applicant will be asked for proof ...
by Cyclone
Sun Apr 03, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Breaking concrete
Replies: 42
Views: 4061

Re: Breaking concrete

How much concrete (square footage)? My father is a masonry contractor and a long time ago I helped him take out a sidewalk. We only used a long, thick steel rod to pry up the sidewalk, then broke it up with a sledgehammer. I think we used some scrap lumber as a fulcrum. That was probably only four t...
by Cyclone
Fri Sep 04, 2015 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 74
Views: 11537

Re: About to close on a home we have overbid on - have cold feet

The bank where I work will only lend to permanent residents. Some will probably lend to those on other visas. I was just mentioning it as a possible "out" for the buyer.
by Cyclone
Fri Sep 04, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: About to close on a home we have overbid on - have cold feet
Replies: 74
Views: 11537

Re: About to close on a home we have overbid on - have cold feet

As non-residents, I think you will have a difficult time qualifying for a loan in the first place. Here are the Fannie Mae guidelines. This situation won't apply exactly because it sounds like you will have to get a "jumbo" loan (too big for Fannie Mae), but most lenders are probably going...
by Cyclone
Wed Aug 26, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Siblings sharing a room until what age?
Replies: 15
Views: 2339

Re: Siblings sharing a room until what age?

[Response to OT comment removed by admin LadyGeek]
by Cyclone
Sat Aug 15, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Maximizing space in a small house
Replies: 39
Views: 5607

Re: Maximizing space in a small house

A recent issue of Better Homes and Gardens had a lot of ideas for small homes. I'm not sure if it was the August or September issue.
by Cyclone
Sat Aug 15, 2015 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Advice - Getting rid of PMI
Replies: 13
Views: 969

Re: Refinance Advice - Getting rid of PMI

M&T may be servicing your loan even though it was sold to Fannie or Freddie. I believe your PMI should be canceling automatically when your loan balance goes below $109,600, if I remember the regulations correctly. Unless you have had a lot of appreciation you probably aren't close to 80 percent...
by Cyclone
Sat Aug 15, 2015 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Advice - Getting rid of PMI
Replies: 13
Views: 969

Re: Refinance Advice - Getting rid of PMI

Unfortunately, the answer can get complicated. Would you know if your loan was sold to Fannie Mae or Freddie Mac? There is another set of rules for those loans. These days most of the time PMI is set to cancel automatically at a certain point. You should have received disclosures about that when you...
by Cyclone
Wed Aug 05, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase asking for liquid net worth, total net worth...
Replies: 46
Views: 6880

Re: Chase asking for liquid net worth, total net worth...

I work in a bank. They are asking about where your money comes from to determine if you are someone who might be laundering money. If you own a convenience store it might be reasonable that you would make large cash deposits. If your only income is from a salary, then large cash deposits could be su...
by Cyclone
Sun Jun 21, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 11 Million Dollar Gift
Replies: 80
Views: 14320

Re: Investing 11 Million Dollar Gift

For investing, I don't think anyone has mentioned Schwab Intelligent Portfolios yet. No advisory fees, they determine your allocation and then rebalance for you. Just set it and forget it. To make it easier set up a checking account with Charles Schwab Bank for spending, then just transfer money the...
by Cyclone
Fri Jun 12, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 3808

Re: Which is a best place to start learning yoga?

I have been doing yoga for about six years and all my classes have been at LA Fitness. They have always asked in the class if anyone is a beginner. As others have said, yoga is not a competition so feel free to skip something if it is too difficult. They always say you can do something called the &q...
by Cyclone
Fri Jun 05, 2015 12:52 am
Forum: Investing - Theory, News & General
Topic: FDIC CD rate caps?
Replies: 9
Views: 1760

Re: FDIC CD rate caps?

You are making it complicated, and it isn't something a consumer has to worry about anyway. If a bank is not well-capitalized, their deposit rates cannot be above a certain rate. If you aren't happy with the rate a bank offers, use another bank. As far as safety, if your deposit is under $250,000 th...
by Cyclone
Sun Feb 01, 2015 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Are Checking Accounts National?
Replies: 13
Views: 1433

Re: Are Checking Accounts National?

By the way, once you move, don't say "out here". As in "Out here, I notice that people eat more ice cream." It's just "here". :D
by Cyclone
Thu Jan 08, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 59
Views: 10013

Re: Best online checking account

I looked into the Fidelity cash management account, but I wasn't comfortable with it. Is it a bank account, a brokerage account, or what? So I decided to go with Charles Schwab Bank, because it is a real bank. If I have a problem with my direct deposit, for example, I know that Charles Schwab Bank i...
by Cyclone
Sat Oct 25, 2014 3:05 pm
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2979

Re: Barrons article...Charles Schwab company

I am a Charles Schwab customer, and I thought it was a good article as well. I read it for free by going to Google News and searching for "inside Schwab".
by Cyclone
Tue Sep 16, 2014 11:39 pm
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 5177

Re: Good hobby for a bright/obsessive 9 year old?

I also vote for sailing and Go, although those have already been suggested.

I would also suggest poker, believe it or not. There are many websites where you use play money and aren't really gambling. You can learn about math, human nature, all kinds of things.
by Cyclone
Wed Sep 10, 2014 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 5335

Re: Bank Closing My Account With No Reason Given

The bank, in the interest of offering good customer service, could have contacted you to ask why you are doing these mysterious wire transfers. Then they could have documented your file with an explanation so that their examiners could see that they are on top of it. Instead they took the lazy route...
by Cyclone
Wed Sep 10, 2014 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 5335

Re: Bank Closing My Account With No Reason Given

I work in a bank, and my best guess is that the bank suspects money laundering. Here are guidelines that bankers are supposed to follow for red flags: (this is from the Federal Financial Institutions Examination Council Bank Secrecy Act / Anti-Money Laundering Examination Manual, Appendix F if anyon...
by Cyclone
Sun Oct 27, 2013 7:54 pm
Forum: Investing - Theory, News & General
Topic: CPI - u calculation changed?
Replies: 19
Views: 1535

Re: CPI - u calculation changed?

But I still don't get the owl thing.
by Cyclone
Sat Oct 26, 2013 12:46 pm
Forum: Investing - Theory, News & General
Topic: CPI - u calculation changed?
Replies: 19
Views: 1535

CPI - u calculation changed?

At least according to this website, the calculation has changed:

http://www.shadowstats.com/alternate_da ... ion-charts
by Cyclone
Sat Oct 26, 2013 10:57 am
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 44
Views: 15089

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

This weekend Joseph A Bank is having a sale at their website. Almost everything is 70 percent off, with free shipping if you buy over $50. The Signature wrinkle-free shirts are $40.50. I bought my father's Christmas present, and something for myself.
by Cyclone
Sun Oct 06, 2013 1:06 pm
Forum: Personal Consumer Issues
Topic: Suggestions for a new printer?
Replies: 16
Views: 1508

Re: Suggestions for a new printer?

Several years ago I called Canon about a similar problem, and I needed a new printer head for an obsolete printer. They directed me to a special loyalty website for existing customers, and I found a new one there that I am very happy with.
by Cyclone
Sun Oct 06, 2013 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Grandma has way over FDIC limit. What to do.
Replies: 40
Views: 4536

Re: Grandma has way over FDIC limit. What to do.

A bank should be reluctant to help a customer restructure their accounts to maximize FDIC insurance. If the bank is wrong and the person is not covered, there could be liability. I was a bank examiner myself, and it is very common for banks to have uncovered deposits. It's not that difficult to look...
by Cyclone
Sun Sep 29, 2013 3:58 pm
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 3510

Re: Main Bogleheads.org Website Not Working?

Thanks everyone for the help. Why, yes I am a U-verse customer, and that is my modem. I will try some of those fixes. I have been happy with the U-verse service until this, but at least I think I can figure out a solution. And apparently I am not going crazy (yet).
by Cyclone
Sat Sep 28, 2013 11:13 pm
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 3510

Re: Main Bogleheads.org Website Not Working?

Here is what I get: <!-- BH Logo --> <div id="site-description"> <!-- ./ includes trailing slash --> <a href="http://www.bogleheads.org" title="Bogleheads home" id="logo"><img src="./images/icon_Bogleheads_52x52.png" border="0"></a> <h1><a ...
by Cyclone
Sat Sep 28, 2013 10:21 pm
Forum: Forum Issues and Administration
Topic: Main Bogleheads.org Website Not Working?
Replies: 10
Views: 3510

Re: Main Bogleheads.org Website Not Working?

If I click on that "compass" or logo in the upper left corner ("Bogleheads home"), it jumps to this:
http://www.bogleheads.org/cgi-bin/redirect.ha

That is using Chrome. With Internet Explorer it works fine for me.

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