Search found 301 matches

by batpot
Thu May 05, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Best High-Yield Online Account for Emergency Fund?
Replies: 20
Views: 2026

Re: Best High-Yield Online Account for Emergency Fund?

How quickly do Ally ACH transfers take to post?

Barclays is extremely fast, never taking more than 2 days, and often posting the next business day, but unfortunately they limit the number of external accounts you can link to 3.
by batpot
Tue Apr 26, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card FICOs and other Scores
Replies: 7
Views: 899

Re: Credit Card FICOs and other Scores

Hey, thanks for the post. What can you tell me about the FICO 8 score vs the Vantage 3 one? The Vantage is lower by almost 30 points, and both are provided by Trans Union, while all of the FICO 8 scores tends to be fairly consistent. Vantage indicates having too many new accounts in the last 2 years...
by batpot
Tue Apr 26, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1810

Re: Holes in the heels of black dress socks

I have to agree with Student5, and most disappointingly about SmartWool socks in particular. Over the last six years or so I've noticed that they last much shorter a time than they used to--- holes in the heels, exactly. I've experienced the same, and it is indeed quite sad. I can't stand polyester...
by batpot
Tue Apr 26, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2547

Re: Social Security loopholes closed

Tanelorn wrote:Divorce and suspend?


yeah, I picked up on that, too.
I failed to convince my wife that marriage was a bad financial contract up front...wonder if I could convince her at the back end?
:greedy
by batpot
Tue Apr 26, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What to tell your child about Bill for tax preparation
Replies: 53
Views: 4852

Re: What to tell your child about Bill for tax preparation

What you should say is: That's egregious. Find a new accountant.

And his return sounds simple enough that tax SW should suffice.
by batpot
Tue Apr 26, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 66
Views: 3866

Re: Best drill/driver for home use

I bought a hitachi set from costco a while back, and it's been great. echo others that the drill/impact driver combo can't be beat. And make sure whatever battery brand you buy has a reciprocating saw - I can't believe I lived so long w/out one. Also, most sets tend to have smaller batteries; one of...
by batpot
Thu Apr 21, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 7958

Re: How To Stay Motivated in Employment When You Might Have Enough?

Ron wrote:For me, the social aspect of work is overrated. Also, I worked to live (acquire financial security) - not live to work.


This, forever.

Please...retire, and make room for those of us who are nowhere near vested long enough to have a choice.
by batpot
Fri Apr 08, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 1817

Re: American Airlines

AA is the worst for overbooking. I used to fly a particular segment with them often for business travel, as they were cheap, and also the only direct option. On one instance, I had no seat assignment when I got to the gate, and ended up having to catch a later flight because it was overbooked. This ...
by batpot
Fri Apr 08, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1707

Re: Apple letting you hide the stock app

Android has been doing this for many years. I thought the expensive and fancy iPhone was supposed to be "cutting edge"? :confused Apple, or at least Steve Jobs' Apple, has always been about controlling the user experience. It's a Faustian bargain. To a larger extent than with other ecosys...
by batpot
Thu Apr 07, 2016 1:55 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 113
Views: 13278

Re: guaranteed 5% vs stocks?

But I do suspect that this will go the way of the target red card: as popularity increases, the perks will diminish to the point of uselessness.
Going to ride the gravy train for as long as I can...only wish I had learned about them sooner.
by batpot
Thu Apr 07, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 113
Views: 13278

Re: guaranteed 5% vs stocks?

Just got started with 2 so far.
Planning to add another 3.
Easy $1000/year over Barclays HYSA.
:beer
by batpot
Thu Mar 24, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Wet / Dry (shop) vac recommendations
Replies: 21
Views: 1315

Re: Wet / Dry (shop) vac recommendations

I bought the 6 gallon rigid when I had water seeping into my basement, and I have been satisfied with it. They do nickel & dime you on the attachments, and you have to be conscious of what hose diameter you have. More than 6 gallons would have been too large to lug around (and of course, to dump...
by batpot
Wed Mar 16, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Which Samsung phone/ Straight Talk should I buy?
Replies: 9
Views: 797

Re: Which Samsung phone/ Straight Talk should I buy?

The problem I have with Straight Talk is they route all data through Tracfone servers in FL, which severely decreased connection times. I went w/ Consumer Cellular using the AT&T network. It's much faster, plus my wife & I save a lot of money over straight talk. If you decide to go this rout...
by batpot
Mon Feb 29, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 470
Views: 270064

Re: Mango prepaid card - 4.8% (effective) APY

Going to give this a shot.
by batpot
Fri Feb 26, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where and how to keep $120K cash? (Savings/CDs)
Replies: 13
Views: 1648

Re: Where and how to keep $120K cash? (Savings/CDs)

As others have said, park the emergency fund into an online HYSA. They're easy to setup and maintain. I use Barclays.

The college fund could go into some layered 1, 2, and 3 year CDs.
by batpot
Fri Feb 26, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on short term investment strategy (1-2 years)
Replies: 6
Views: 296

Re: Looking for advice on short term investment strategy (1-2 years)

Toons wrote:2 years ?
Stocks,Bonds
Are you prepared for the volatility?
That time frame ,,,cds,,,online savings account.
But if you want to accept the risk
Balanced Index or Lifestrategy Conservative Growth :happy


Yes, I believe we could weather a bad market, and just HELOC the entire amount.
by batpot
Fri Feb 26, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on short term investment strategy (1-2 years)
Replies: 6
Views: 296

Looking for advice on short term investment strategy (1-2 years)

Have a good chunk of money that I'm planning to put towards a house addition in the next 1-2 years. This money is not part of my emergency fund, and will be supplemented by a HELOC to cover the total cost of the addition. My strategy is do 50/50 bond/stock, and try to limit ordinary income tax expos...
by batpot
Thu Feb 25, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me, help my parents, help me
Replies: 15
Views: 2382

Re: Please help me, help my parents, help me

Have you considered using the $250k to buy a nearby condo?
You might appreciate having a totally separate residence for them once in a while.
by batpot
Tue Feb 23, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: Investing in Sports
Replies: 13
Views: 1207

Re: Investing in Sports

joebh wrote:Personally, I'd buy an NFL franchise. It's a sure way to make a killing.

yes, slowly...via CTE.
by batpot
Tue Feb 23, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much do Nanny taxes affect pay
Replies: 11
Views: 1357

Re: How much do Nanny taxes affect pay

I'm in the same boat, and came across this website which lays it all out, and I plan to just do it myself... http://pixeltheoryinc.com/nanny-tax-how-to.html Of course, it's specific to WA state but the federal portions will apply to you. The part that's confusing to me is the 6% unemployment tax (of...
by batpot
Tue Feb 23, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Full 20% Down Payment then HELOC to replenish Capital
Replies: 14
Views: 1553

Re: Full 20% Down Payment then HELOC to replenish Capital

Purelife304 wrote:So because of this I started researching ways not to put down 20%, however they all have drawbacks. There a 75% LTV no MI product but it comes with a higher rate.


Um...what is a "75% LTV no MI product"?
by batpot
Tue Feb 23, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Street address requirement
Replies: 12
Views: 975

Re: Street address requirement

I can't address they "why" of the post, but we've been able to get around the "street address" requirements by having a mailbox at a 3rd party business. This is a little more expensive than a PO Box, but comes with the added benefit of being able to receive packages from all deli...
by batpot
Fri Feb 19, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Uber, Lyft, or car-for-hire from Seattle Airport?
Replies: 17
Views: 1806

Re: Uber, Lyft, or car-for-hire from Seattle Airport?

billydelp4 wrote:Wife and I were in Seattle in October. At the time, and likely still now, Uber wasn't allowed to pickup in the airport.


correct

yellow cab has an exclusive contract w/ the airport to do pickups.

you can, however, take a short walk and pick up an uber from one of the nearby businesses.
by batpot
Fri Feb 19, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 887

Re: Baseboard Heating- PEX vs Copper

pex should be cheaper than either PVC or copper, and won't be prone to pinhole leaks like copper can be.
by batpot
Fri Feb 19, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell or rent the home I inherited (with my sister)
Replies: 40
Views: 2391

Re: Should I sell or rent the home I inherited (with my sister)

Take a step back. Let's pretend that that house down the street that's exactly the same and recently sold were to come back on the market because the owner just got a big promotion and his company is moving him to the other end of the world. Would you buy that house to rent it? If you would, I'd as...
by batpot
Fri Feb 19, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell or rent the home I inherited (with my sister)
Replies: 40
Views: 2391

Re: Should I sell or rent the home I inherited (with my sister)

Take a step back. Let's pretend that that house down the street that's exactly the same and recently sold were to come back on the market because the owner just got a big promotion and his company is moving him to the other end of the world. Would you buy that house to rent it? If you would, I'd as...
by batpot
Thu Feb 18, 2016 1:57 pm
Forum: Personal Consumer Issues
Topic: Water Softener - Required?
Replies: 24
Views: 1356

Re: Water Softener - Required?

slab houses w/out basements are very common in Arizona, and other places.
by batpot
Thu Feb 18, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Water Softener - Required?
Replies: 24
Views: 1356

Re: Water Softener - Required?

The first time a pipe in the foundation breaks due to corrosion from hard water you will wish you had kept the softener going. What does that even mean? Do you have a softener installed somewhere between the supply line in the street and the foundation of your house? :confused yes; the water main r...
by batpot
Thu Feb 18, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Water Softener - Required?
Replies: 24
Views: 1356

Re: Water Softener - Required?

The first time a pipe in the foundation breaks due to corrosion from hard water you will wish you had kept the softener going.
by batpot
Wed Feb 17, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: TMobile MNVOs
Replies: 4
Views: 561

Re: TMobile MNVOs

how much data do you use? If you're worried about getting throttled, there are many options that have data caps w/out throttling, and could give you more options. Wikipedia has a good page on MVNOs and you can filter by which carrier they use. However, it doesn't state that Straight Talk or MetroPCS...
by batpot
Wed Feb 17, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 1921

Re: Trip to LA for 5 days

La Brea Tar Pits and Shuttle Endeavor @ the California Science Center.
by batpot
Wed Feb 17, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for 100 jobs, no callbacks. What's up?
Replies: 103
Views: 8784

Re: Applied for 100 jobs, no callbacks. What's up?

In this market, you may want to make sure that your resume is super sharp - and hopefully tailored to each job where possible. I hire people (in a different industry) with similar level of education and I see many resumes that are just plain old sloppy. So when there is a sharp resume it draws my a...
by batpot
Wed Feb 17, 2016 3:46 pm
Forum: Investing - Theory, News & General
Topic: Harry Markapolous warns of 3 new ponzi schemes maybe brokerage?
Replies: 17
Views: 1718

Re: Harry Markapolous warns of 3 new ponzi schemes maybe brokerage?

Definitely click bait, but what's that got to do with F-150s?
by batpot
Mon Feb 15, 2016 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Help with shopping 30 yr rates...
Replies: 5
Views: 754

Re: Help with shopping 30 yr rates...

What do you mean by 2nd mortgage? Is this a refi? I refi'd with Sebonic last year, and it couldn't have been simpler. No frills, but more importantly no BS. They've got plenty of positive reviews, are A+ in BBB, but check their yelp page....they are definitely a quantity over quality churner of loan...
by batpot
Mon Feb 15, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Anyone bought a new bed recently? [Mattress]
Replies: 49
Views: 4731

Re: Anyone bought a new bed recently?

Maybe we're just not that picky, but very happy with the Beautyrest we purchased from http://www.us-mattress.com/
And they frequently have coupon codes available.
by batpot
Mon Feb 15, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: Need cheap cell phone replacemant
Replies: 9
Views: 856

Re: Need cheap cell phone replacemant

this phone is often had for under $20...not currently on sale, however:
http://www.bestbuy.com/site/at-t-gophon ... Id=8293103
by batpot
Mon Feb 08, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Am I paying too much for car and home insurance
Replies: 14
Views: 2181

Re: Am I paying too much for car and home insurance

On the home insurance: compare land value & dwelling value on your tax statement, and consider value of contents (e.g. total replacement cost). Generally speaking, insurance covers only the dwelling, and if you're insured to the full amount of land + dwelling, you're paying too much. On the rest...
by batpot
Fri Feb 05, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7765

Re: A new way of thinking

I have found an "60W equivalent" bulbs will range from ~8W to ~11W (from memory), and the 8W ones appeared too dim. For this reason, I would encourage buying the highest wattage LED bulb you can find that is the right incandescent wattage equivalency. 1. You have to purge "xx Watt eq...
by batpot
Fri Feb 05, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 320314

Re: What Movie Have You Recently Watched?

Ex Machina for free on Amazon Prime The fact that I'm still thinking/reading/talking about it days after the fact speaks volumes. The basic premise is pretty good, but the gender roles subtext makes it pretty great, and the way you react to the ending probably speaks more about you as a person than ...
by batpot
Fri Feb 05, 2016 4:46 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7765

Re: Old versus New

The new way of buying LED light bulbs. Lumens - The amount of light being emitted. But, sometimes, the vendors use candelas. Annoying as what we want to know is: is it bright enough? So, 800 lumens is similar to the old 60-watt incandescent bulb. 1100 lumens = 75-watt. 1600 lumens = 100-watt. Look ...
by batpot
Fri Feb 05, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use the service of a CPA or you do your tax yourself?
Replies: 88
Views: 6429

Re: Do you use the service of a CPA or you do your tax yourself?

Finances got complicated a few years ago, and decided to hire an Enrolled Agent, and am very happy to have my time back.
by batpot
Wed Jan 20, 2016 12:42 pm
Forum: Personal Consumer Issues
Topic: How do you use your Chase Freedom rewards?
Replies: 35
Views: 3795

Re: How do you use your Chase Freedom rewards?

I probably don't use my card as much as most here, just a couple hundred dollars or so per month. I let the points pile up for a long time. Finally one day when I logged in to check my account, Chase offered me an Amazon gift card so I took it. Ever since, I've been using those to redeem my points ...
by batpot
Tue Jan 19, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 633
Views: 99948

Re: Boglehead Beer

Did something today I suspect many Boglehead's would not ... bought two (2) 12oz bottles of Westvleteren 12 for $26 :happy Worth it to me! Huzzah! :beer We once tried like heck to legitimately buy a case directly from the brewery - it would require setting a 15 minute appointment and providing our ...
by batpot
Mon Jan 18, 2016 4:53 pm
Forum: Personal Consumer Issues
Topic: Amazon Reviews
Replies: 11
Views: 969

Re: Amazon Reviews

I focus on the negative reviews; if they're generally superfluous, that speaks louder than the positive ones.

Also, amazon generally puts the "top voted" reviews to the top, and even does a "top positive" and "top negative" which helps filter out the chaff.
by batpot
Mon Jan 18, 2016 4:38 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 633
Views: 99948

Re: Re:

Visiting a friend in Hawaii in a week (a friend indeed!). Any beers there I shouldn't miss? If you are on the Big Island, check out the Kona Brewery. Decent food and do the sampling. See waht you like. I remember being a really big fan of the Big Island Brewhaus White Mountain Porter. They're towar...
by batpot
Mon Jan 18, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Use Local Dealer for New Vehicle Purchase?
Replies: 21
Views: 1782

Re: Use Local Dealer for New Vehicle Purchase?

my process for buying a new car: figure out what I want, including color and all features email every dealership in the area for a quote, and be sure to tell them that you're emailing every other dealer as well. The last 2 cars I've bought I had 2 dealerships competing to sell me the exact same VIN....
by batpot
Wed Jan 13, 2016 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Help required: refinancing + mortgage options
Replies: 10
Views: 1168

Re: Help required: refinancing + mortgage options

You can run the numbers for yourself, but generally a 15 year mortgage isn't worth it, because the same monthly payment applied to a 30 year mortgage will take only ~17 years to pay off, and gives you the flexibility of significantly lowering your monthly outlay in case of emergency.
by batpot
Fri Jan 08, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 6324

Re: Jackpot Now Estimated $700 Million, who's in?

That reminds me, it has been about 4 years since the last decent "the world is going to end" prediction/scare and I reckon we are just about due for another. It would be very unfortunate to win $700m and have the world ending the next day. Victoria you've got at least a month... https://w...

Go to advanced search