Search found 537 matches

by batpot
Mon Feb 20, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: Remove Mold from Vinyl
Replies: 1
Views: 222

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: 661

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: 3054

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: 3054

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: 2994

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: 2902

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: 2230

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: 2902

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: 2902

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: 2117

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: 2442

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: 3530

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: 598

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: 598

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: 1391

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: 735

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: 4416

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: 2732

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: 6907

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: 735

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: 6431

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: 735

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: 52
Views: 7625

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: 52
Views: 7625

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: 1141

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: 215

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: 380

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: 139
Views: 14104

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: 8743

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: 8743

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: 3010

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: 3010

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: 10404

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: 10404

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: 125206

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...
by batpot
Fri Dec 16, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 729
Views: 125206

Re: Boglehead Beer

BruDude wrote:Had a Bruery Tart of Darkness and Founders Backwoods Bastard last night. Both A+


Have you any Cascade sours?
They are phenomenal. We always have a few whenever we go to Portland, and often bring some bottles home.
by batpot
Fri Dec 16, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 43
Views: 5404

Re: Simplisafe Home Security System

Another thing to consider is that not all cities do "permitting"...many just don't respond to home alarms any more. Here is Seattle's "solution" to false alarms: https://www.seattle.gov/business-regulations/businesses-that-require-a-regulatory-endorsement/alarm-system-monitoring-...
by batpot
Wed Dec 14, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Why does Windows 10....
Replies: 4
Views: 1190

Re: Why does Windows 10....

Hope you have a good backup schema for those gigabytes of files under your My Documents folder.
Otherwise if/when that HDD goes, they're all gone with it.
by batpot
Mon Dec 12, 2016 6:49 pm
Forum: Personal Consumer Issues
Topic: Alpine vs Telemark vs AT skiing
Replies: 8
Views: 495

Re: Alpine vs Telemark vs AT skiing

http://adventuresportsjournal.com/gear- ... reference/

Some choice nuggets:
“Do I usually do things the easy and smart way?”

“Randonnee (aka AT)… French for can’t tele.”

"Telemark… Norweigen for wait for me."
by batpot
Mon Dec 12, 2016 1:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2417
Views: 610070

Re: What Movie Have You Recently Watched?

Batman vs Superman
Terrible.
Just, really really bad, and not even in a "fun" way.
by batpot
Thu Dec 08, 2016 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question about Chase Sapphire Reserve Card
Replies: 19
Views: 2150

Re: Question about Chase Sapphire Reserve Card

Don't be so sure. I got the +$300 and the +$100 refund and the -$450 charge all this month even though my first statement won't be issued until mid Jan Pretty sure that the $300 back is by calendar year that the statement cuts, so the first one if you applied now would be January 2017. You get the ...
by batpot
Thu Dec 08, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: New Home Purchase - Property Boundary
Replies: 14
Views: 1191

Re: New Home Purchase - Property Boundary

And I'll bet he's moving precisely because of this "legendary ambulance chaser".

Don't walk - run away.
by batpot
Thu Dec 08, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: What is my Cost Basis on Gifted Real Estate?
Replies: 39
Views: 1961

Re: What is my Cost Basis on Gifted Real Estate?

When my father passed, he had a beneficiary deed in place (not all states have these), which meant the cost basis for the home was based on his date of death, rather than his original cost basis. Also, I didn't think to immediately get an appraisal upon his death, but when I finally did sell the hou...
by batpot
Thu Dec 08, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 3010

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

So...I got a $40 plan w/ a sim card off of an ebay vendor with a 99.6% feeedback rating for...$20. Going to give these guys a serious shot; see how their pings and speeds compare to Consumer Cellular. Straight Talk was unbearably slow, due to slow pings; unless things have changed, all of their data...
by batpot
Thu Dec 08, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 3010

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

Does H2O offer family plans (multiple phones under one big plan) like Cricket? 5 people can pay $100 incl taxes and get 2.5GB high speed for each on Cricket. I dont see similar option in H2O. They do, but it's not as good of a discount as Cricket, and you can only have up to 4 lines w/ h2o. However...
by batpot
Wed Dec 07, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 4479

Re: Should I fill out survey evaluation of my boss?

(So that's why the form had an inconspicuous six-digit numbers printed on it in the lower right corner...) my mega-corp does the same thing - believe they even use the aforementioned survey monkey to keep it anonymous. Of course the 3rd party company has a unique ID for each individual, but they do...
by batpot
Wed Dec 07, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 26
Views: 3826

Re: Cellular Service Surcharges, Taxes, and Fees

According to rep on online chat, h2o wireless does not charge taxes/fees, either.

$70 for 2 lines of 3gb/ea is pretty good (8gb/ea through march 31st)
by batpot
Wed Dec 07, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 20
Views: 3010

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

Browser or anyone else on h2o - per their online help chat, they do not charge fees/surcharges, etc. Is that true? Think I'm going to make the switch...they're offering a promo right now, that gives you 8gb of data on their $40 plan through March 31st, and 10% auto-recharge discount is pretty entici...
by batpot
Wed Dec 07, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 26
Views: 3826

Re: Cellular Service Surcharges, Taxes, and Fees

BIL is out of contract now, so I've renewed my search, and am considering joining him on a family plan.
But I'm going to try Cricket, and see I can live w/ the data speed cap...especially since:

We're #1! :oops:
http://taxfoundation.org/blog/cell-phon ... tate-state

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