Search found 409 matches

by batpot
Thu Aug 25, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 37
Views: 1685

Re: Should I replace my Samsung Galaxy S4?

Currently I'm seeing prices of $199 for the S4, $229 for the S5 and $424 for the S6 through my provider. If I needed something right away, I'd probably go with the S5 and upgrade to the S7 once it comes down. those prices are outrageous. Don't buy from your carrier, and it might also be worth consi...
by batpot
Thu Aug 25, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 505
Views: 46122

Re: What's Your Credit Card Rewards Strategy?

I'm a rookie here ~ Can I easily transfer my UR points to another person? Easily if they live at the same address. That is completely legal. If you start talking about someone other than living with you, it can bite you in the ass. Heard that Chase is not very kind about that move. http://millionmi...
by batpot
Wed Aug 24, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Greater than 20% Downpayment
Replies: 8
Views: 979

Re: Greater than 20% Downpayment

Echo what Da5id said.
But this makes no sense:
bagelhead wrote:One loan officer suggested a lower mortgage rate up to 25% downpayment, which counterintuitively becomes HIGHER with greater than 25% downpayments.

Keep shopping, get multiple quotes, and compare them in excel.
by batpot
Wed Aug 24, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 110
Views: 5852

Re: What is your system for dealing with coins?

Elsebet wrote:
Deadwood wrote:I dump them in a big mason jar and when its full I head down to the supermarket and use the change counter to get Amazon gift cards


This is exactly what I do. :)


+1, but replace mason jar with wooden bowl.
by batpot
Thu Aug 18, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2043

Re: Are there any smart ways to pay off a credit card?

Wow, 7.49% APR is pretty low rate for a credit card.
I just got notified that Chase Freedom is upping to nearly 25%. It's also "variable". :annoyed
Don't really care, cause I'll never pay a cent of it, but you better pay this down quick before they change their terms to something similar.
by batpot
Wed Aug 17, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 108
Views: 10755

Re: Best Use of Ultimate Rewards Points

Has anybody rented a car direct through Chase Ultimate Rewards?
Or likewise rented a hotel?

I'm concerned about getting hit with fees & taxes upon arrival. They didn't seem to be included, and it's not clear at all form the T&Cs.
by batpot
Mon Aug 15, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 262
Views: 28989

Re: Self-made Millionaires: how did hitting 7 figures change you?

A million dollars isn't what it used to be. A "millionaire" is no big deal, depending on your age. It puts you in the 1%. That's a pretty big deal. You are probably more wealthy and well off than 99.9% of persons throughout history. That's a pretty big deal. Maybe globally, but not the to...
by batpot
Thu Aug 11, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 137
Views: 7538

Re: How much vacation time do you get at work?

12 holiday days per year (7 over xmas/new years), and starting at 10 days vacation + 10 days sick leave, but sick leave is use it or lose it. Paid OT. Vacation goes up with years of service to a max of 22 days. Vacation also has a max balance, so some people will often have to take "mandatory&q...
by batpot
Thu Aug 11, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: New BoA CC automatically added to PayPal - how'd that happen?!?
Replies: 5
Views: 633

Re: New BoA CC automatically added to PayPal - how'd that happen?!?

I got rid of the account when paypal started demanding I get a paypal credit card if I wanted to continue using paypal. Wow - I didn't know that. I continue to pay for goods (eBay and merchants) using PayPal. I also receive money from eBay auctions, and also friends thru PayPal. For purchases I use...
by batpot
Thu Aug 11, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Recommend some nice, comfy mens work socks
Replies: 16
Views: 681

Re: Recommend some nice, comfy mens work socks

Another possibility is cotton athletic socks. If you get black ones, no one notices them. until a dozen or fewer washes when they have faded horribly. My recommendation is merino wool, and Darn Tough while pricey, have a lifetime warranty. I'm done with smartwool. And I can't stand acrylic; they ma...
by batpot
Thu Aug 11, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Job Offer, What Should I Do
Replies: 11
Views: 1249

Re: Job Offer, What Should I Do

Did you sign anything? No harm in continuing to look, it might give you leverage to counter-offer, too. But if you signed something, you need to understand those terms before accepting another position. If you didn't sign anything, the only harm could be "burning bridges", but I don't thin...
by batpot
Thu Aug 11, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Recommend some nice, comfy mens work socks
Replies: 16
Views: 681

Re: Recommend some nice, comfy mens work socks

Is your desk job at a company that owns a chain of Tex-Mex restaurants? If so: http://www.tonsofsocks.com/tapatio.html?utm_source=googlepepla&utm_medium=adwords&id=85360261256&gclid=Cj0KEQjwxLC9BRDb1dP8o7Op68IBEiQAwWggQK4W0-v2UCzDlFKQaquE0Synq5flkuJewA9Kb6F_E9EaAhIY8P8HAQ cotton nylon b...
by batpot
Wed Aug 10, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1721

Re: Should I get a different cassette for my road bicycle? Currently 11-23

yes, OP has a 6600 10 speed.
but jhfenton has a 6800 (or possibly a 5800 105) 11 speed.
by batpot
Wed Aug 10, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Your Credit Score Doesn’t Matter Unless It’s Bad
Replies: 10
Views: 1754

Re: Your Credit Score Doesn’t Matter Unless It’s Bad

once your score is over 740, “it doesn’t matter how much higher your credit score is. You will always be offered the best borrowing terms.” As long as your credit isn’t terrible, you’re going to get the same level of perks at “good” as you will at “excellent.” :( I don't think that's true; I have s...
by batpot
Wed Aug 10, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1721

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Couple of further thoughts: in addition to what Epsilon Delta pointed out, the final sprocket on a cassette is the locking sprocket. So replacing an 11 with a 12 will (could) work if you get a 12 locking (or final) sprocket. The 12 that sits behind the 11 that originally came with the cassette will...
by batpot
Tue Aug 09, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: flipping houses
Replies: 31
Views: 3256

Re: flipping houses

staythecourse wrote:Who cares if some guy made a BILLION dollars of one deal. The question is can it be reproduced...


I wouldn't need to reproduce a billion.
I wouldn't need to reproduce 1/100th of that.
by batpot
Tue Aug 09, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 43
Views: 2683

Re: Cricket Wireless - Selecting a Smartphone

if you're only ever going to do it every 2-3 years, EVERY phone's battery is user replaceable.
by batpot
Tue Aug 09, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1721

Re: Should I get a different cassette for my road bicycle? Currently 11-23

I agree that in your shoes I would probably get a new cassette. I'm actually looking to get an alternate cassette for my tri bike, not for hills, but because there's an unfortunate gap right at my cruising speed. I have a Felt with a 50/34T front and a Shimano 11-speed 11-28T rear. The 34/28 combo ...
by batpot
Tue Aug 09, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to choose a mortgage company?
Replies: 13
Views: 1054

Re: What is the best way to choose a mortgage company?

for a house purchase: go to local bank - not credit union - and pay as close to zero closing costs as possible. Once the house is secured, you can refi to the lowest bidder. You don't want to put your earnest money at risk because the lender screws up the paperwork, or is only available M-F 9-5, or ...
by batpot
Tue Aug 09, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1721

Re: Should I get a different cassette for my road bicycle? Currently 11-23

I looked up the specs: http://velospec.com:8080/components/shimano/rd6600ss It says the total capacity is 29. So, (50-36) + (27-12) = 29. I think that means that putting a 12-27 puts me at the outer limits of the derailleur. Interestingly, Shimano made an Ultegra 12-27 ten speed in the past but no ...
by batpot
Tue Aug 09, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1721

Re: Should I get a different cassette for my road bicycle? Currently 11-23

It looks like 27 is max recommended for a short cage 6600 rear der, but here is a discussion where some people say you can go to 30T: https://www.reddit.com/r/bikewrench/comments/34ue33/1230_cassette_on_an_ultegra_6600_shortcage/ My experience is that a 12-27 (or 12-28 which should also work) makes...
by batpot
Tue Aug 09, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 43
Views: 2683

Re: Cricket Wireless - Selecting a Smartphone

Idol 3 is $150 at bestbuy right now. $50 cheaper than buying from cricket, and has marshmallow. The Alcatel Idol 3 has been selling for $139.99 on the Cricket website. It comes with Android 5.0 (Lollipop) while the Idol 4 shown on the same site does come with Android 6.0 (Marshmallow). I read that ...
by batpot
Tue Aug 09, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1721

Re: Should I get a different cassette for my road bicycle? Currently 11-23

11-28 is pretty standard nowadays, and your rear derailleur will be compatible up to that size. An Ultegra 6700 11-28 cassette is available at a number of online retailers. Are you sure your front crank is not 50/34 or 52/36? Regardless, 28-11+ 50-34(or 52-36) = 33 teeth = even a short cage deraille...
by batpot
Fri Aug 05, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 9638

Re: Stats on Americans 'cutting the cable' ?

Psyayeayeduck wrote:For me, I have Netflix, HBO GO, and Playstation Vue. A total cost of $55/mo. Don't need anything more than that.


You left out a critical component: what do you pay for internet?
by batpot
Fri Aug 05, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: Bogus "sale" prices and savvy shoppers
Replies: 26
Views: 2581

Re: Bogus "sale" prices and savvy shoppers

JC Penney tried "real" pricing...in a nutshell: it didn't work.

http://business.time.com/2013/05/02/jc- ... of-course/
by batpot
Fri Aug 05, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Advice on purchasing a new Honda CRV
Replies: 26
Views: 2321

Re: Advice on purchasing a new Honda CRV

Have you driven the CRV, or just want a "bigger Honda"? maybe time is of the essence, and you don't have time to take test drives, and figure it out? Worse than spending slightly more than you might have to, is to get a really good deal on one, and then find out there's something you hate ...
by batpot
Fri Aug 05, 2016 11:21 am
Forum: Personal Consumer Issues
Topic: Baby camera without buying a specific baby camera
Replies: 11
Views: 920

Re: Baby camera without buying a specific baby camera

Bougtht a Tenvis camera compatible with tinycam pro app.
Works wonderfully, even over wifi
by batpot
Thu Aug 04, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Vanguard Swag ?
Replies: 19
Views: 2694

Re: Vanguard Swag ?

theduke wrote:Like this?

http://www.vanguardgear.com/shop/

Got my credit card stolen when I made a purchase from this site a few months ago.
SwervePoint never responded when I notified them it had happened.
Won't be making another order.
by batpot
Thu Aug 04, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 43
Views: 2683

Re: Cricket Wireless - Selecting a Smartphone

Idol 3 is $150 at bestbuy right now.
$50 cheaper than buying from cricket, and has marshmallow.

you might also want to consider consumer cellular.
by batpot
Thu Aug 04, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 54
Views: 3553

Re: Recommend Ad Blockers

NoScript for firefox.
Lets you add only domains that are necessary to make the page function, and nothing else.
by batpot
Wed Aug 03, 2016 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing
Replies: 27
Views: 2253

Re: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing

you can use a payoff calculator, but it would take roughly 17 years to pay off the 30 year loan making the same monthly contribution as you'd be required to make on the 15 year loan, and you have the flexibility to reduce your monthly contribution by ~32%. Assuming $100k loan: $681/mo 15 year @ 2.8%...
by batpot
Tue Aug 02, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 943

Re: Capitulating on Windows Phones

Google Maps is pretty solid. Probably better than on and off highway as described -- but it does choose some bad routes. From my home to Forest Hills, NY it suggests going up to NJ and then through the tunnel and across Manhattan to Queens. Only a masochist would take that route (except maybe at 3a...
by batpot
Tue Aug 02, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Capitulating on Windows Phones
Replies: 14
Views: 943

Re: Capitulating on Windows Phones

Can I still get all my hotmail messages with Android? Yup; every android phone comes w/ an email client that can be used w/ any web-based email, but you will need a gmail account also, and might as well make the transition. Can I have it upload pictures to my Onedrive? Automatically? I don't know, I...
by batpot
Mon Aug 01, 2016 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 544
Views: 287249

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

Seemed inevitable. But no, it's not just closing the ACH loophole. You now must have a NET deposit of $800 per month, or the savings rate is reduced to 2%. Doesn't matter whether it comes from an employer, or via ACH. So you could alternate between 6% and 2% every other month by moving $800 back and...
by batpot
Thu Jul 28, 2016 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Chubb v. AIG homeowners coverage
Replies: 9
Views: 625

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: 1364

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: 69
Views: 5518

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: 1364

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: 18
Views: 866

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: 419

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: 628

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: 628

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: 544
Views: 287249

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: 544
Views: 287249

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: 2394

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: 62
Views: 5619

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: 62
Views: 5619

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: 13108

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: 13108

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: 355

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.

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