Search found 375 matches

by batpot
Thu Jul 28, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Chubb v. AIG homeowners coverage
Replies: 7
Views: 409

Re: Chubb v. AIG homeowners coverage

for 5%, I don't think it's worth it, but worth getting a bid from Amica.
http://www.badfaithinsurance.org/indexdetaillist.html

Edit to add: also look VERY CLOSELY at the T&Cs and particularly the exclusions.
You might be surprised.
by batpot
Thu Jul 28, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection
Replies: 34
Views: 1248

Re: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection

DaftInvestor wrote:Laws vary by State.
In MA - if its a 4-way stop - whoever arrives first goes first. If two arrive at the same time the person to the right goes first.

That is a pretty fundamental and universal law for all right hand traffic countries/states/municipalities.
by batpot
Thu Jul 28, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: What makes people succeed?
Replies: 56
Views: 3573

Re: What makes people succeed?

an_asker wrote:the fact that I am not a good salesman, especially in selling myself. :oops:


This is key to me.
by batpot
Thu Jul 28, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection
Replies: 34
Views: 1248

Re: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection

Intersection: - There is a 4 way intersection with no controls; no signs or signals. It looks like this: + North, East, South, West. - All roads are single lane in both directions. - The major road with more traffic runs E-W, 50 mph . The N-S road is a smaller minor road, e.g. access road, entry to...
by batpot
Thu Jul 28, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: DIY Undermount Sink Replacement
Replies: 17
Views: 678

Re: DIY Undermount Sink Replacement

have you considered replacing it with a top-mount?
much less hassle, but slightly worse aesthetics, I suppose.
by batpot
Wed Jul 27, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: Mango - Cannot Get Money To Account
Replies: 5
Views: 383

Re: Mango - Cannot Get Money To Account

had no problem getting it funded from my credit union, but so far 2 attempts at test deposits from Barclays have failed. Netspend put a temporary hold on 2 test deposits from Barclays, because they did not have my name on them. Ultimately they went through, with only a few hours delay, but not befor...
by batpot
Thu Jul 14, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase
Replies: 9
Views: 599

Re: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase

2 LMCU RCAs @ $15k each 1 MyConsumers RCA @ $20k 1 Destinations CU RCA @ $10k The upside is that all of it is on autopilot except for the 46 debit card transactions I need to make to get the higher rates on the rewards checking accounts. jesus...and I've been hedging on this deal over having to mak...
by batpot
Thu Jul 14, 2016 10:58 am
Forum: Personal Finance (Not Investing)
Topic: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase
Replies: 9
Views: 599

Re: removing money from Netspend prepaid cards by paying credit card bills -- not working with Chase

I ran into a similar problem. Unless you NEED the money to form the Netspend cards to pay the bills right away, you are better off opening a new online savings account and raiding the Netspend cards from there. I use Barclays, and they have been amazingly fast on their ACH transfers; for example, I ...
by batpot
Wed Jul 13, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 514
Views: 283074

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

Are you positive that you have paid the $3 fee every month? A lot of accounts have stated that if there is a zero balance on the last day of the month, then there is no fee. Perhaps they have fixed that bug. Hmm ... didn't know about that. I do not seem to have any way of checking transactions olde...
by batpot
Wed Jul 13, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 514
Views: 283074

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

I noticed this morning that my Mango account has 3 consecutive 'Fee Retry' transactions of $3.00 each, for a total of $9.00. Usually, the fee is charged end of the month. So I have already been charged $3.00 end of last month. The 3 fee transactions are obviously in error. Just wanted to let everyo...
by batpot
Wed Jul 13, 2016 11:08 am
Forum: Personal Consumer Issues
Topic: United Kingdom Traffic Ticket--Funny story though!!
Replies: 20
Views: 2346

Re: United Kingdom Traffic Ticket--Funny story though!!

OP - pay it. I have a related rental car story: Over a decade ago, and after having not driven for ~6-8 weeks while living in the DC area, I rented a car to go to Philadelphia for a weekend. First thing I did after loading it up, was back out into another parked car. :oops: Luckily, no visible damag...
by batpot
Wed Jul 13, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3408

Re: Cell phone data plans

in the spirit of the OP, anyone know of a good one-stop summary of current low-cost, low-data plans? pretty good starting place here: https://en.wikipedia.org/wiki/List_of_United_States_mobile_virtual_network_operators Be weary of the ones marked "unlimited data"; pretty much without exce...
by batpot
Tue Jul 12, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 41
Views: 3408

Re: Cell phone data plans

With Consumer Cellular, you can start with a low tier, and if you go over, they will bump you up to the higher tier. Will help give you an idea of how much you use. My biggest beef w/ Cricket is they cap data speeds at 8mbps. But as, others have said, you first need to understand which company has r...
by batpot
Tue Jul 12, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12832

Re: Are you going to shop on Prime Day?

And, some things offered were so unordinary that I believe what a previous poster stated up thread that they believed Amazon was cleaning out their warehouses on some things. :oops: Yup, they still haven't gotten rid of those barrels of lube from last year. http://www.amazon.com/review/R3IKIXCIYNNWVD
by batpot
Tue Jul 12, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12832

Re: Are you going to shop on Prime Day?

With 35% off a watch (5% w/ Discover/Prime Card)...might be a good opportunity to save big. :moneybag

https://www.amazon.com/gp/browse/?node=14864591011
by batpot
Mon Jul 11, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Cellulay IPhone $160
Replies: 2
Views: 348

Re: Consumer Cellulay IPhone $160

Shop around, and you'll be able to find a better deal on a phone.
If you need it now, $160 for a 5s doesn't seem too out of line.

$125 for that Samsung is though. Look at Motorola, Alcatel, or ZTE offerings.
by batpot
Mon Jul 11, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1750
Views: 391433

Re: What Movie Have You Recently Watched?

Deadpool - 6.5

Mr. Robot season 1 - 8.5

Got The Big Short, Spotlight, and Black Mass in the queue.
by batpot
Mon Jul 11, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Email compromised: How serious?
Replies: 45
Views: 3254

Re: Email compromised: How serious?

'm sure all the Bogleheads here are caught in the Pokemon Go craze but that is an example of an app that requests full access to your gmail account. http://9to5google.com/2016/07/11/psa-pokemon-go-full-access-google-accounts-iphone/ That is absolutely egregious. If you use gmail, go here to see all...
by batpot
Mon Jul 11, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: How Does Vanguard "Remember" My Computer?
Replies: 41
Views: 3005

Re: How Does Vanguard "Remember" My Computer?

I would guess IP address.
Not sure about Vanguard, but almost positive this is what Chase uses.
If they actually used the MAC, then I wouldn't get a request to verify my account every-other login. :annoyed
by batpot
Mon Jul 11, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 41
Views: 4947

Re: Anyone has experience with Ally bank?

Then...a short time later, I made a time sensitive transfer of $3,000 from Discover to the new linked bank. Discover blocked it and I received an email to call them. Customer Service told me I had to call the fraud department during business hours. I do that and literally got the 3rd degree...when ...
by batpot
Fri Jul 08, 2016 7:26 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Upgrade, the saga continues
Replies: 14
Views: 1653

Re: Windows 10 Upgrade, the saga continues

I'm running out of time, but there's not feasible DVR that replaces WMC yet (for encrypted channels, anyway). :annoyed
Was really hoping that silicon dust kickstarter would come through by now, but no joy.
by batpot
Fri Jul 08, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: One day in Seattle. Where to stay?
Replies: 19
Views: 1546

Re: One day in Seattle. Where to stay?

based on what you described, particularly breweries, definitely do Ballard.
Reubens, Stoup, Populuxe, and Lucky Envelope are all within a few blocks of each other, and the first 2 in particular are fantastic.

https://www.google.com/maps/search/brew ... a=!3m1!4b1
by batpot
Fri Jul 08, 2016 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 41
Views: 4947

Re: Anyone has experience with Ally bank?

where did you find that?
I was able to find the transfer rate, and it's 1 day slower than Barclays...
https://www.ally.com/bank/achtransfer.html
But by their counting, my credit union actually takes 4 days :x , so Ally is faster.
might have to make the switch.
by batpot
Fri Jul 08, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 41
Views: 4947

Re: Anyone has experience with Ally bank?

rather than start a new thread, can somebody answer: What is the external transfer limit (e.g. dollar amount, daily and monthly), both in and out of Ally accounts? How many external accounts can you link to Ally? Generally, how fast are test deposits and external transfers? I am asking because while...
by batpot
Tue Jun 28, 2016 3:28 pm
Forum: Personal Consumer Issues
Topic: bicycle recommendations
Replies: 72
Views: 4418

Re: bicycle recommendations

THANK YOU, Protagonist. :!: :!: Desperately seeking an answer. Like I said, I have spent lots of $ on the saddles. A few things to try: 1. Have you measured your sit bones? You need a saddle that fits you. I think performance bike offers a free fitting, but I don't know what's involved. 2. There's ...
by batpot
Tue Jun 28, 2016 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage - PMI or 0.125% increase in rate
Replies: 7
Views: 511

Re: Mortgage - PMI or 0.125% increase in rate

I was able to successfully negotiate dropping PMI on a mortgage that was backed by either Fannie Mae or Freddie Mac (don't remember which), using the rules that those organization outlay. As I recall, you can't even request it until 2 years of on-time payments, but you'll have to do your own researc...
by batpot
Tue Jun 28, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8199

Re: How to make an easy $500 like I just did [Chase bank offer]

just signed up yesterday; got an invite via the snail mail. Advisory 1: Don't forget you have to deposit $25 at the time of account creation (via a temporary debit card that they make for you). Advisory 2: I made the mistake of signing up for the "higher tier"checking and savings, which re...
by batpot
Tue Jun 28, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Getting out of VUL plan
Replies: 25
Views: 1925

Re: Getting out of VUL plan

How much would it cost you for 9 more years of the VUL insurance premiums?
Also consider how much term insurance premiums will go up if you wait until you are 9 years older.
And do you really need ~$3.45 million in life insurance?
by batpot
Tue Jun 28, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company
Replies: 33
Views: 3225

Re: DirecTV/AT&T Merger - The Kiss of Death of a Once Good Company

Go Blue 99 wrote:This thread title is a little over dramatic, no?

The fact is, there will always be people who have bad experiences with a given company, no matter what that company's reputation is.


yup.
I've been a Comcast customer over a decade and never had an issue. :o
by batpot
Fri Jun 24, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Simplifying paying bills
Replies: 39
Views: 3073

Re: Simplifying paying bills

I use online bill pay with my credit union. It allows me to put billers into groups, and I have 2groups: 1st of month middle of month I set a recurring calendar notification to pay bills on the 7th and 23rd of each month. Middle of month = all bills due between 15th & 30th, and 1st = all bill be...
by batpot
Thu Jun 23, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Verizon raised unlimited data by $20
Replies: 49
Views: 3578

Re: Verizon raised unlimited data by $20

You haven't stated how much data you actually use.
by batpot
Thu Jun 23, 2016 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: estimated health care costs in retirement?
Replies: 27
Views: 1619

Re: estimated health care costs in retirement?

So let's assume the average rate of inflation over the next 20 years will be 3.2% (the average since 1914). Assuming $260k ~=4123.08/year median, and $570K is 95th percentile, extrapolating out to age 92 (which I think is the highest financial engines goes to), this ends up being $1200/mo median, or...
by batpot
Wed Jun 22, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: estimated health care costs in retirement?
Replies: 27
Views: 1619

estimated health care costs in retirement?

When using financial engines to estimate how much you need per year in retirement, it uses an Average of $2,926/mo for health care costs. High/Low This seems wildly high. That's roughly 9x higher than current retirees, according to this article from February: http://www.cnbc.com/2016/02/13/are-healt...
by batpot
Wed Jun 22, 2016 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Insight visa prepaid question
Replies: 1
Views: 200

Re: Insight visa prepaid question

http://www.doctorofcredit.com/insight-5-apy-prepaid-card-5000/ Works just like Netspend, but still has a $5k limit...for now. The one difference from Netspend is you can only withdrawal $1500 per day. I've also read, but not confirmed, that the gains will earn 5% as well. I'm going to let them ride,...
by batpot
Wed Jun 22, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 4366

Re: Headphones, consumerism, and escalation of "needs"

For wants like this, I build a list of items that are pretty close to target budget, and go for bang:buck. Then wait for a sale/deal on one of them. I ended up with a pair of ATH-M50s modified w/ a detachable cable (before the x variant was available). At the risk of exposing my sheer ignorance on t...
by batpot
Tue Jun 21, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 27
Views: 2509

Re: Ally CashBack Credit Card

Jack FFR1846 wrote:Double cash is 2%. Simply take the cash back as a deposit into the account you pay from

ah, good point.
by batpot
Tue Jun 21, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bonds for College Expenses
Replies: 8
Views: 513

Re: Bonds for College Expenses

So to expand on this further: according to Pub 970 posted, if you cashed in some bonds and then deposited the proceeds into a 529, this would avoid having to pay ordinary income tax on the gains.
by batpot
Tue Jun 21, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 27
Views: 2509

Re: Ally CashBack Credit Card

If you're just looking for a sign-up bonus, there are scores more cards that are better.
2.2% for gas & groceries does beat the Citi Double Cash (which is 1.99% on everything), but the new Costco card is 4% on gas (up to $7k/year).
1.1% is a joke.
by batpot
Tue Jun 21, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5307

Re: Where (safely and legally) to keep "cash"?

a large, heavy safe, on a stall mat, bolted to the floor of your basement.
by batpot
Wed Jun 15, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Cost of SIM card
Replies: 17
Views: 1350

Re: Cost of SIM card

For another data point, I set up my mother with Consumer Cellular service and they sent the SIM for free. even better: I asked them to send me one, and instead they suggested I buy one from Target for $10, and they'd give me a $10 statement credit. And this wasn't even for a new line of service, ju...
by batpot
Wed Jun 15, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Top 9"+ Tablets for cheap
Replies: 17
Views: 1855

Re: Top 9"+ Tablets for cheap

Cheap? Why? Buy Quality Samsung Apple. Samsung is my preference :happy more money != more quality. Further, Samsung devices in particular are rife w/ bloatware. I'm giving a serious look at these chinese tablets that dual-boot between Windows 10 and Android. For example: http://www.geekbuying.com/i...
by batpot
Wed Jun 08, 2016 4:40 pm
Forum: Investing - Theory, News & General
Topic: Crazy housing market
Replies: 77
Views: 8781

Re: Crazy housing market

The demand in Seattle is a byproduct of very high population growth and very high economic growth/job growth. There are many people moving there and a lot of them are for good, high paying jobs. Thus demand is outstripping supply and prices are rising rapidly while inventory stays very low. That's ...
by batpot
Mon Jun 06, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Bulk handgun ammo 9x18 mm
Replies: 23
Views: 2538

Re: Bulk handgun ammo 9x18 mm

If you aren't already a customer of freedom munitions, you should give them a look too. They'll often offer free or flat rate shipping on any amount of ammo. I haven't had a problem with their remanufactured or new ammo yet. I've only ordered 45acp (new), 38 (new & reman), and 40s&w (reman)...
by batpot
Wed Jun 01, 2016 9:23 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 202
Views: 25412

Re: guaranteed 5% vs stocks?

...Going to ride the gravy train for as long as I can...only wish I had learned about them sooner. Same here, on both counts. It's chasing performance... but with no down side! :beerCheers, packet ...and the gravy train is over...only $1k max now. :x NOTICE OF CHANGE IN TERMS TO YOUR SAVINGS ACCOUN...
by batpot
Sun May 29, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: Water / Impact Proof Digital Camera Recommendations
Replies: 23
Views: 1815

Re: Water / Impact Proof Digital Camera Recommendations

fyi...
both b&h and Amazon just dropped the price of the TG-4 to $300.
by batpot
Sat May 28, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Consumer Cellular - plan changes, eliminating overage charges
Replies: 25
Views: 1866

Re: Consumer Cellular - plan changes, eliminating overage charges

I had been seeking to replace my service with CC after inadvertently racking up some overage charges - all because I was unable to call them back and adjust my rate plan in a timely manner while travelling and intensely diverted. Just today I received an email from them that they are eliminating th...
by batpot
Thu May 26, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Bikes
Replies: 70
Views: 3596

Re: Bikes

Nashbar wouldn't be a bad way to go...for example:
http://www.nashbar.com/bikes/Product_10 ... 1___204687
by batpot
Wed May 25, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 560
Views: 65957

Re: High Earners - What's Your Profession?

I am surprised that most people are engineers Usually engineers are not money aware just 9-5 boring people. They are good in math but not in real life application of math. You guys are exceptional I haven't heard that stereotype before--just docs/lawyers being poor with money (maybe because that's ...

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