Search found 527 matches

by batpot
Mon Jan 16, 2017 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Saving rater after becoming father
Replies: 27
Views: 2365

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: 3337

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: 554

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: 554

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: 1322

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: 665

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: 4292

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: 2601

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: 6648

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: 665

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: 6047

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: 665

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: 20
Views: 3298

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: 20
Views: 3298

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: 1095

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: 187

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: 338

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: 110
Views: 9949

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: 8501

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: 8501

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: 2965

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: 2965

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: 10148

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: 10148

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: 124045

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: 124045

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: 5330

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: 1157

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: 463

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: 2275
Views: 563293

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: 2081

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: 1168

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: 1859

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: 2965

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: 2965

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: 4360

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: 3700

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: 2965

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: 3700

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
by batpot
Mon Dec 05, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2251

Re: Shoes for flat-footed over-pronators

Try Altras.
I bought them after uncomfortably stepping on too many pointy rocks in "barefoot" shoes.

I slightly pronate, but need a big toe box.
by batpot
Mon Dec 05, 2016 5:50 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 4890

Re: Best printers for home use

I got a color laser by samsung for about $100.
can't complain.
pro tip: save the driver folder on a local server/thumb drive/portal drive for quick & easy installation on new devices.
by batpot
Mon Dec 05, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4320

Re: Sous Vide?

Does she have a crock pot? She could make it into a sous vide machine by getting a sensor/regulator for about $30 from Amazon. https://www.amazon.com/Inkbird-Itc-308-Temperature-Controller-Thermostat/dp/B01MDSWXY4/ref=sr_1_2?ie=UTF8&qid=1480902299&sr=8-2&keywords=dorkfood I made one tha...
by batpot
Wed Nov 30, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Direct TV Now - free Apple tv offer (cut the cord)
Replies: 8
Views: 1027

Direct TV Now - free Apple tv offer (cut the cord)

https://directvnow.com/appletv These Apple TVs retail for $150, and here it's $105 with 3 months of service. Great review here: http://stopthecap.com/2016/11/30/stop-cap-reviews-att-directv-now-cord-cutting-revolution-continues/ And cnet comparison of this vs vue vs sling: https://www.cnet.com/news/...
by batpot
Wed Nov 16, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 69
Views: 6830

Re: Vanguard Store Items

abuss368 wrote:Bogleheads - Any ideas?


only one:
viewtopic.php?t=191749
by batpot
Mon Nov 14, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1866

Re: Should I change the job?

In which areas did you fall short of expectations for the top rating? Did you ask "What does one have to accomplish in my position to get a top rating (or grade if that's what they call it where you are"? If you strive to be a top performer in your organization you need to make it an ongo...
by batpot
Mon Nov 14, 2016 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: what do these insurance ratings mean?
Replies: 5
Views: 1035

Re: what do these insurance ratings mean?

Resurrecting this old thread, because it seems most pertinent. Banner has the best quote for me, and they look good except for 2 concerns: No Moody's Weiss puts them at C+ This is how the summary looks: A.M. Best Company (Best's Rating, 15 ratings)________A+ (2) Standard & Poor's (Financial Stre...
by batpot
Fri Nov 11, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does a car downgrade make sense for me?
Replies: 19
Views: 1971

Re: Does a car downgrade make sense for me?

Now I go to the local UHaul, $20 a day plus $.55 a mile and I plan a full day of hauling, winds up costing about $50 plus fuel for the day and two or three days a year suffice. I replaced the truck with a VW Sportwagen and between the fold down seats and a car top rack I can haul 2 x4 s and the lik...
by batpot
Thu Nov 10, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: TV providers
Replies: 6
Views: 686

Re: TV providers

Another vote for playstation vue, I cut the cord about 18 months ago and just pay for internet with a $5/month modem rental charge + internet fees (Think I'm at $110/month total for 300 MBS service). Also use the Amazon Fire TV boxes as the DVR is in the cloud. I pay that for comcast with HBO, and ...
by batpot
Tue Nov 08, 2016 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Remodeling vs Moving
Replies: 15
Views: 1256

Re: Remodeling vs Moving

For the work you describe, plan on including the cost of living in an apartment during the construction.

Go to advanced search