Search found 551 matches

by batpot
Thu Mar 30, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus
Replies: 62
Views: 5493

Re: Capital One 360 $200 bonus

Just a thought...is it worth keeping multiple accounts at different institutions for protections from hackers?
Of course putting all of your money in the one that isn't hacked is the best option, but how can you know?
by batpot
Thu Mar 30, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - access issues, normal?
Replies: 4
Views: 271

Re: Ally Bank - access issues, normal?

they can now transfer funds to/from external accounts in a single day without a fee. oh really? I thought when Ally transferred to popmoney this got shut down? With my credit union, popmoney charges a $2-3 fee to do a 1 day transfer. One thing I really like about Barclays is their 1 day external AC...
by batpot
Mon Mar 27, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Need advice about massive changes in daughter's college program by dean
Replies: 52
Views: 3598

Re: Need advice about massive changes in daughter's college program by dean

Is the degree currently ABET accredited?
The changes may make it lose such accreditation; would approach discussion with the Dean over that subject first...assuming it applies.
by batpot
Mon Mar 27, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 42
Views: 2801

Re: Geico insurance rate increase: 26.24% APY?

Yes, rates are generally going up across the board; State Farm reported $7 Billion loss in 2016. http://www.insurancejournal.com/news/national/2017/03/01/443224.htm Time to shop around, but you may be disappointed to find that Geico is still the cheapest. When your rate approaches that of Amica, swi...
by batpot
Mon Mar 13, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: privacy issues
Replies: 7
Views: 829

Re: privacy issues

Schwab does a 'hard pull' of your credit as well, vs virtually every single other online banking institution that is soft.
Only worth it if you travel abroad frequently.
by batpot
Mon Mar 13, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9496

Re: GEICO auto rates vs. USAA: too good to be true?

Looks like I'm switching, now, too... Geico will save me $500/year from my renewal rate with Safeco (who just raised their rates on me $300/year), and is $1000 per year cheaper than Amica. And that's before BRK.B discount. not so fast...an incident I had in January is not showing up on my CLUE yet....
by batpot
Mon Mar 13, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 127
Views: 9496

Re: GEICO auto rates vs. USAA: too good to be true?

Looks like I'm switching, now, too...
Geico will save me $500/year from my renewal rate with Safeco (who just raised their rates on me $300/year), and is $1000 per year cheaper than Amica.
And that's before BRK.B discount.
by batpot
Mon Mar 13, 2017 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: household budget trim: car insurance
Replies: 24
Views: 1244

Re: household budget trim: car insurance

The CSR Roadside Assistance is rather pointless: $50/incident up to 4 times a year.
If you think you need it, just get AAA and be done with it - it applies to the person, not the vehicle.
by batpot
Wed Mar 08, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Geico vs Travelers Car Insurance
Replies: 12
Views: 479

Re: Geico vs Travelers Car Insurance

So your Travelers price for higher coverage may be a good one, a lower price designed to get you in their door (then they may raise it a little every year :annoyed Absolutely... Or they just adjust their models, because they find they're losing money. That's what seems to have happened with Safeco ...
by batpot
Wed Mar 08, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Geico vs Travelers Car Insurance
Replies: 12
Views: 479

Re: Geico vs Travelers Car Insurance

As long as you're sure you're comparing apples:apples, there's no catch.
Rates vary WIDELY between companies; previous quotes I've gotten have varied by as much as 50%.
Just have to shop around every few years.
by batpot
Tue Mar 07, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Can a cordless Reciprocating Saw do the job of a small chainsaw?
Replies: 30
Views: 1686

Re: Can a cordless Reciprocating Saw do the job of a small chainsaw?

For the small jobs you describe I use a bow saw. If you need more than a dozen cuts so it's too much work get out the cord and use the chain saw. +1 This is all you need and only $10: http://www.homedepot.com/p/Fiskars-21-in-Bow-Pruning-Saw-70295966J/100166385 Try one. I think you will be amazed at...
by batpot
Fri Mar 03, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Sports memorabilia inventory app?
Replies: 3
Views: 367

Re: Sports memorabilia inventory app?

What about a photo manager app, like Adobe Lightroom?
You could tag them by category, and add as much description as you need.
by batpot
Fri Mar 03, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Has anyone experience issues putting tile floors in older home?
Replies: 8
Views: 700

Re: Has anyone experience issues putting tile floors in older home?

http://www.homeinnovation.com/~/media/Files/Reports/TechNotes-Floors-above-Crawl-Spaces-June-2014.pdf Very interesting... We put down laminate and vinyl in a rental house with a crawl space...w/out any subfloor modifications. It rarely gets hot AND humid here, but still probably not a great combina...
by batpot
Tue Feb 28, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5047

Re: Don't pay full price for cable TV

Did this about a year ago with Comcast.
The agent flat out told me that next time I just need to request being put int he current promotional offer.
I'm now paying under $100, and spent less than 5 minutes on the phone.

Definite YMMV
by batpot
Mon Feb 20, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Remove Mold from Vinyl
Replies: 1
Views: 261

Re: Remove Mold from Vinyl

borax will do the job w/out damage.
~$4 in the laundry aisle.
by batpot
Tue Feb 14, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Mint/Financial Organization/Credit Card Travel Hobby
Replies: 10
Views: 737

Re: Mint/Financial Organization/Credit Card Travel Hobby

I pay all bills on the 8th & 23rd, depending on whether they're due on/after the middle or on/after the first of the month. My credit union allows me setup billers into groups/categories. This still requires me to login into each institution's website at least once a month to get the exactly sta...
by batpot
Thu Feb 02, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Anybody try out Sodastream?
Replies: 32
Views: 3196

Re: Anybody try out Sodastream?

Safeway Refreshe is typically $2.50/12, 12oz cans, or ~$0.060/liter, but comes in a multitude of flavors. zero sodium, zero fake sugar, small amounts of flavor. and given it's highly recyclable aluminum and cardboard, virtually no "environmental impact". But the brewers-CO2 solution is in...
by batpot
Thu Feb 02, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Anybody try out Sodastream?
Replies: 32
Views: 3196

Re: Anybody try out Sodastream?

We've been using one for a year or two now. Convenience can't be beat. I'm surprised that people don't think it's saving them money. Even at $15 for the 60l cylinder that's .25/l. At our grocery seltzer is generally .60-.90/l in cans or bottles. The 60l rating seems about right to me. We drink abou...
by batpot
Wed Feb 01, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 54
Views: 3179

Re: Pet insurance for new puppy

Long time pet owner here and we love our dog. He truly is a member of the family. Pet health care is pretty simple really and there is no need for insurance. We pay everything out of pocket. If we got to the point where our vet bill was being measured in thousands of dollars, euthanasia would becom...
by batpot
Wed Feb 01, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: fender bender...no citation, likely scam...what next?
Replies: 17
Views: 2992

Re: fender bender...no citation, likely scam...what next?

Since you've already notified your insurance company, just ask your agent if there are going to be any surcharges for filing a claim. http://www.dmv.org/insurance/how-car-insurance-claims-affect-your-auto-insurance-policy.php The insurance industry keeps track of your potential and actual claims hi...
by batpot
Wed Feb 01, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2329

Re: what do you do to avoid the advertising noise?

Doesn't EVERYONE assume that advertising is fake news and that one is being lied to? My eyeballs don't even register ads anymore. Maybe it is simply a matter of practice and getting old. Of course not. If that were true, you'd never receive junk adverts in the mail, either. This article about one s...
by batpot
Wed Feb 01, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: fender bender...no citation, likely scam...what next?
Replies: 17
Views: 2992

Re: fender bender...no citation, likely scam...what next?

Yes, of course I need them for protection from the other party, as I said, they're already involved. So...should I use the insurance? Does it even matter at this point, since they've already been notified? I always report to my insurance company so I'm in the system should the other guy attempt to f...
by batpot
Tue Jan 31, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: fender bender...no citation, likely scam...what next?
Replies: 17
Views: 2992

fender bender...no citation, likely scam...what next?

Got cut off while approaching a red light. just after the light turned green, the car that cut me off slammed on his brakes. I did so in kind. This repeated itself 1-2 more time, before the left lane cleared and I attempted to pass...he braked again, and my front corner clipped his back corner. Cop ...
by batpot
Mon Jan 23, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Ever have one of those kind of Mondays...?
Replies: 20
Views: 2129

Re: Ever have one of those kind of Mondays...?

While you're waiting for the disposal repair, invest in a good drain screen.
You might find you can live w/out a disposal.
by batpot
Mon Jan 16, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2462

Re: Saving rater after becoming father

We both worked.
Savings went down to pay for nanny.
Expenses didn't change much, largely because we've been more mindful of food costs, and don't eat out as often.
by batpot
Mon Jan 16, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3670

Re: How High is Your TV?

Centered on the wall.
by batpot
Sun Jan 15, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Sudden alternator corrosion... And Prevention/Protection?
Replies: 6
Views: 634

Re: Sudden alternator corrosion... And Prevention/Protection?

Thanks, will look into the cnc stuff. Upon reflection, I think possibly the plastic insulator around the connection may have melted, at least partially, but this could itself have been triggered by trace battery acid. And I bought some spark plug dielectric grease, so will give that a shot. As for f...
by batpot
Fri Jan 13, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Sudden alternator corrosion... And Prevention/Protection?
Replies: 6
Views: 634

Sudden alternator corrosion... And Prevention/Protection?

Replaced alternator in wife's civic back in June (as well as battery and serpentine belt) Yesterday, she starts getting a battery light on the dash. Manual says this means battery is not getting recharged. Run some tests, and take it local parts start, and all signs point to failing alternator (only...
by batpot
Thu Jan 12, 2017 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Did you get an IRS pin code for filing?
Replies: 15
Views: 1422

Re: Did you get an IRS pin code for filing?

Do they send you one automatically now if you've been the victim of fraud?

We applied for and got ours last year.
by batpot
Wed Jan 11, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 807

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

I found/modified a script that would define colors based on titles after the chart was created, so you just let excel do what it does, then run the script.
Just have to keep the script up to date w/ your chart categories/allocation.
by batpot
Wed Jan 11, 2017 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: How to build passive income
Replies: 45
Views: 4517

Re: How to build passive income

Redneck bank. 1.25% megamoney account. It's not much more than 1% but it's 25% more and it's "where bankin's funner". https://redneck.bank/ That cannot be serious. 1.25% is the best I've seen... I wonder if they have to offer that to entice people to give them their money. you must've mis...
by batpot
Wed Jan 11, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 2767

Re: Trip to Kona, Hawaii - Suggestions

Volcanoes Nat'l Park, and the green sand beach are a must. There's also a black sand beach that you drive right up to. The local will drive you to and from the green sand for a nominal fee, but the walk is worth it, because you'll see green sand blown all over the ground, and it's really cool. Kona ...
by batpot
Wed Jan 11, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 7099

Re: Amazon Prime Rewards Visa Signature Card

Any reason to get this over the 5% Synchrony card?
by batpot
Wed Jan 11, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 807

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

One recommendation: use shades of the same color for sub-asset classes/outer rings.

Will make the whole thing easier to read.
by batpot
Wed Jan 11, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6625

Re: Where do you keep your emergency fund?

Barclays HYSA, because I can get an ACH transfer in 24 hours.
by batpot
Wed Jan 11, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Playing with Excel Pie Charts: Asset Allocation Visualizer
Replies: 10
Views: 807

Re: Playing with Excel Pie Charts: Asset Allocation Visualizer

That's some advanced excel'n there. cool figure. I created a similar spreadsheet that I use to re-balance annually. The pie chart is all of 4 pieces. Have 2 cells to enter current 401k and Roth values, and it shows me how to reallocate my 401k to meet my AA (Roth remains 100% VTSAX). I only use 4 fu...
by batpot
Tue Jan 10, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 76
Views: 10888

Re: Get $250 from Wells Fargo

mikep wrote:So how many accounts do they open without your permission now?


they're all soft pull, so...none. :greedy
by batpot
Tue Jan 10, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 76
Views: 10888

Get $250 from Wells Fargo

https://www.wellsfargo.com/jump/checking/everyday-special/ Need to make 10 debit card transactions, or have $500 direct deposited into account within 60 days. Also need to do the above, or maintain $1500 to avoid $10/mo service fee. And it looks like you can close the account as soon as the $250 pos...
by batpot
Tue Jan 10, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Credit Card Advice for Large Purchase
Replies: 10
Views: 1187

Re: Credit Card Advice for Large Purchase

Barclay Arrival Plus is pretty solid https://home.barclaycardus.com/cards/barclaycard-arrival-plus-world-elite-mastercard.html No foreign transaction fee, and 2% back on all travel purchases. Only catch is their rewards can only be redeemed for travel purchases, so you'll have to make another trip t...
by batpot
Wed Jan 04, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Construction Loan as 2nd Lien?
Replies: 1
Views: 234

Re: Construction Loan as 2nd Lien?

No, construction loans are for new construction only. You'll have to go HELOC or HEL. HELOCs can go up to 90 CLTV. Source: just went through this process myself. Ended up getting a HELOC through US Bank, and within a month received a letter from my home owners insurance that they are now 2nd lien. E...
by batpot
Mon Dec 19, 2016 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: LTC Insurance & Roth IRA conversion
Replies: 3
Views: 401

Re: LTC Insurance & Roth IRA conversion

Will your pension or SS benefits stop if you become incapacitated?
I don't think so. So what is the LTC for?
by batpot
Mon Dec 19, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Sallie Mae Rewards MC being discontinued
Replies: 154
Views: 17067

Re: Sallie Mae Rewards MC being discontinued

pennstater2005 wrote:Don't redeem your rewards too early toward the end and leave money behind. I did that with another card and ended up with $20 sitting in the redeem account. The new redemption percentages were too low and I just stopped using the card.


What's the minimum reward draw amount? $25?
by batpot
Mon Dec 19, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 9017

Re: Ally Bank 1.25% 11 month with no EWP

so if you pick the first option and pull out early, you get nothing? It's a paltry difference...1.2429 going 12 months, vs 1.2442 going quarterly - so go monthly. If you break the CD early, and had chosen for the interest to be paid at maturity, it makes sense to me that the already accrued interes...
by batpot
Mon Dec 19, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 9017

Re: Ally Bank 1.25% 11 month with no EWP

Is the CD interest paid monthly similar to their checking accounts? Ally gives you a few different options: Interest paid at maturity. Interest paid monthly depositing into an account of your choice or by check via mail. Interest paid quarterly depositing into an account of your choice or by check ...
by batpot
Mon Dec 19, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 3038

Re: H2O Wireless to get 4G LTE in January 2015

Got a few more data points, and did some more googling. Got 30mpbs down while outside, and 15 up w/ the h2o sim. Phenomenal. However, neither h2o or Cricket have the AT&T roaming agreements, and Consumer Cellular does. So if you're in a place w/ spotty coverage (like my living room, apparently),...
by batpot
Sat Dec 17, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 3038

Re: H2O Wireless to get 4G LTE in January 2015

well, unfortunately they're too slow (at least in my living room).

Got 10mbps w/ Consumer Cellular, and less than 5 w/ h2o.

Cricket is next.
by batpot
Fri Dec 16, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 10724

Re: Cutting cable cord...

rene wrote:Find a buddy who will share their Comcast password for HBO etc ($beer)


That's a good point; I should reduce my bill by $15.
Now there's no way in hell I'm cutting. :D
by batpot
Fri Dec 16, 2016 11:53 am
Forum: Personal Consumer Issues
Topic: Cutting cable cord...
Replies: 75
Views: 10724

Re: Cutting cable cord...

I haven't seen a compelling reason to "cut the cord". I'm paying under $110 per month, for fast internet, HBO, and a mid-tier cable package. Rolling my cable package to just internet would only drop my bill about ~$40/mo, and I can't get anything comparable for that. Not to mention, I have...
by batpot
Fri Dec 16, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 126298

Re: Boglehead Beer

Yes, they're very good, but way too expensive for bottles. Lot of good sours out there for less than $25-30/bottle. Even in Seattle, they are rarely more than $25/bottle. They're about the same price as bottles from The Bruery. But we were down at the Stone Brewery in San Diego a few months ago, an...

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