Search found 326 matches

by batpot
Wed May 25, 2016 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 469
Views: 50638

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 ...
by batpot
Wed May 25, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon prime credit card
Replies: 7
Views: 439

Re: Amazon prime credit card

Not according to the terms: https://www.onlinecreditcenter6.com/consumereApply/Internet/amazon/en/js/TermsConditions.htm Here's the website with more description (you'll need to login): https://www.amazon.com/iss/credit/marketingauth?pr=conplcc&ref=storecard_van&plattr=storecard_van Perhaps ...
by batpot
Sat May 21, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Vanguard store - stolen credit card
Replies: 12
Views: 1319

Re: Vanguard store - stolen credit card

There are other ways you could have been hacked. Make sure to run Malwarebytes malware scan tool on your PC to check. Another possibility is the credit card processing company was hacked, that's happened many times as well and can affect any business that uses them. not an issue. I would not order ...
by batpot
Sat May 21, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Vanguard store - stolen credit card
Replies: 12
Views: 1319

Re: Vanguard store - stolen credit card

You can, but how do you know that they've been hacked instead of you? given that I got to the site through the Vanguard website, which gives a link to the store that is NOT secured....it is feasible that someone hacked my home wifi and got the card number, though I think that scenario is far less l...
by batpot
Sat May 21, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Vanguard store - stolen credit card
Replies: 12
Views: 1319

Vanguard store - stolen credit card

used a credit card for the first time in well over a year, just to keep it active at the vanguard store yesterday. first thing this morning i get a notification of a fraudulent charge on it @ "arvato digital services" for well over $200. looks like they tried to link it to paypal also, as ...
by batpot
Thu May 19, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: should I rent out my house instead of selling; any mortgage prohibitions?
Replies: 10
Views: 849

Re: should I rent out my house instead of selling; any mortgage prohibitions?

Most mortgages have a provision that you live in the house for 24 months. If you're outside of that, I don't think there's anything they can do, but read your mortgage documents to be sure. And yes, you'll need a landlord policy instead of homeowners, but the cost will likely be the same or less. If...
by batpot
Thu May 19, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 13738

Re: 15 vs 30 yr mortgage

If you have maxed out all tax advantaged vehicles at your disposal (2x401, 2xRoth, HSA, etc), have a large emergency fund and vast amounts of excess takehome income beyond an accelerated mtg payment and are extremely conservative, then I can understand overpaying a mtg. But the reality is that many...
by batpot
Thu May 19, 2016 10:38 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 172
Views: 20293

Re: guaranteed 5% vs stocks?

Barclay had the same external account limit of 3. Fortunately my credit union has no such limit, or at least I haven't found the limit yet. That being said, my credit union's ACH is very slow, and I'm considering going to Ally, and closing Barclays, just for the faster ACHs. Even better: I nearly pa...
by batpot
Mon May 16, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: College - In state - Children staying close to parents
Replies: 54
Views: 2625

Re: College - In state - Children staying close to parents

It highly depends upon what field your child wants to go into. Highly anecdotally, my friends from high school that went to local universities more often then not left the state for jobs if they were in engineering. My friends that ended up in humanities or similar were more likely to stay in state...
by batpot
Mon May 16, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Which Job Offer?
Replies: 18
Views: 1528

Re: Which Job Offer?

Use A to negotiate higher salary on B & D.

Also shocked/saddened that 1.5% 401k matching is the best being offered so far.
by batpot
Mon May 16, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3592

Re: Is it OK to leave home wifi on?

So, it could be that leaving them on all the time could shorten the useful life. I wonder what BH IT experts say about this issue. I think it's feasible. But not a big enough issue for me to do anything about it. I have always supplied mine via power from a UPS, and now have it on a high quality pu...
by batpot
Mon May 16, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Do you respond to linkedin recruiters? (Engineer)
Replies: 32
Views: 2685

Re: Do you respond to linkedin recruiters? (Engineer)

Yes, they can be legit, and you should definitely use it to find out what other companies might be offering.
by batpot
Mon May 16, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Legal recourse of UPS "import fees"?
Replies: 10
Views: 1081

Re: Legal recourse of UPS "import fees"?

Well, I finally got Synter Group on the phone (after multiple attempts, of no answers), and told them I never received the package.
They said they will note that in my account, and it should be the end of it.
by batpot
Fri May 13, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Legal recourse of UPS "import fees"?
Replies: 10
Views: 1081

Legal recourse of UPS "import fees"?

I had a package delivered from the UK, and UPS would not deliver the package w/out me paying them ~$20 for import fees. I gave them a check rather than hassle with it. Months later, on a shipment from Amazon.ca (their Canadian website), UPS again held my package hostage, and claimed I owed them ~$40...
by batpot
Thu May 12, 2016 7:30 pm
Forum: Personal Consumer Issues
Topic: Cell Plans
Replies: 22
Views: 1856

Re: Cell Plans

http://slickdeals.net/f/8722911-alcatel-onetouch-idol-3-79-99-49-99-with-port-in?src=SiteSearchV2_SearchBarAlgo1 Recently saw this deal, which is pretty great. I own this phone, paid $200 for it, and use it on Consumer Cellular. The screen and front facing speakers are great. It's a tad sluggish at ...
by batpot
Thu May 12, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Career ambitions, life changes
Replies: 18
Views: 3197

Re: Career ambitions, life changes

Thanks for this post. I've been wrestling with a lot of similar thoughts and aspirations lately, but when I read your words my first reaction is to tell you to snap out of it. The grass is decidedly not greener at another company, in another city, etc. Many affluent people our age (all ages) are bu...
by batpot
Thu May 12, 2016 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 478
Views: 272650

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

Hi all, I opened Mango Money, and a couple of NetSpend accounts for my wife and I. Set it on automatic transactions. So far, so good. But, I was thinking last night that these accounts are individual accounts (and not joint). So, how would I set a beneficiary on the accounts? I looked around the si...
by batpot
Thu May 12, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rate from our bank not matching the news
Replies: 12
Views: 1041

Re: Mortgage rate from our bank not matching the news

In my experience, it's very common for local banks to charge more than online vendors, and if they claim to match a rate, they usually make up for it in hidden points. It's unfortunate that they convinced you not to lock...hopefully this was not simply a ploy on their part. Given you have only 2 wee...
by batpot
Wed May 11, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Renting in Maui
Replies: 22
Views: 3571

Re: Renting in Maui

sdsailing wrote:I wouldn't ship a car for a one year trip, but would buy something used and cheap and then sell at the end


That's exactly what my BiL did. He ended up staying for about a year, and knowing him, probably even made money on the car.
by batpot
Wed May 11, 2016 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup, middle age couple no children
Replies: 22
Views: 3250

Re: Prenup, middle age couple no children

Not to pry, but why get married?
Why not just each write a living will, and leave it at that?

Your tax exposure will almost certainly increase if you are both close in salary.
by batpot
Wed May 11, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Advice for a dog bed
Replies: 12
Views: 1702

Re: Advice for a dog bed

I would also highly recommend some "Senior" diet dog food.
We used Blue Buffalo Wilderness Senior, which has glucosamine & chondroitin, and it made a significant improvement in our old dog's joints, and her overall quality of life.
by batpot
Tue May 10, 2016 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Any Farmers? Question about Leasing Land
Replies: 12
Views: 2063

Re: Any Farmers? Question about Leasing Land

I inherited some land, and opted to pay 8% to a farm land management company. They hooked me up with a great rate on a $1M insurance policy, and negotiated a better rate with a farmer than I could have. It's now nearly 100% passive income. They even take care of the state property taxes. Another thi...
by batpot
Tue May 10, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes for a summer babysitting gig
Replies: 14
Views: 1271

Re: Taxes for a summer babysitting gig

FUTA is onerous on the employer, not the employee (aside from the employee losing 7.65% of their wages). There's also very likely state unemployment taxes, and possibly worker's comp as well. All coming out of the employer's pocket. You being a stickler for the taxes could mean that your acquaintanc...
by batpot
Thu May 05, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7106

Re: So, are Bogleheads Bourbon or Scotch drinkers?

For Bourbon, Elijah Craig is a good one at a reasonable price point Indeed, the 12 year is a great value. for hot toddies (I make them with maple syrup), it's hard to beat the value of the Kirkland Signature (pretty sure it's sure made by Buffalo Trace). I definitely drink a lot more bourbon than S...
by batpot
Thu May 05, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Best High-Yield Online Account for Emergency Fund?
Replies: 28
Views: 3371

Re: Best High-Yield Online Account for Emergency Fund?

How quickly do Ally ACH transfers take to post?

Barclays is extremely fast, never taking more than 2 days, and often posting the next business day, but unfortunately they limit the number of external accounts you can link to 3.
by batpot
Tue Apr 26, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card FICOs and other Scores
Replies: 7
Views: 944

Re: Credit Card FICOs and other Scores

Hey, thanks for the post. What can you tell me about the FICO 8 score vs the Vantage 3 one? The Vantage is lower by almost 30 points, and both are provided by Trans Union, while all of the FICO 8 scores tends to be fairly consistent. Vantage indicates having too many new accounts in the last 2 years...
by batpot
Tue Apr 26, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Holes in the heels of black dress socks
Replies: 30
Views: 1946

Re: Holes in the heels of black dress socks

I have to agree with Student5, and most disappointingly about SmartWool socks in particular. Over the last six years or so I've noticed that they last much shorter a time than they used to--- holes in the heels, exactly. I've experienced the same, and it is indeed quite sad. I can't stand polyester...
by batpot
Tue Apr 26, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: Social Security loopholes closed
Replies: 19
Views: 2752

Re: Social Security loopholes closed

Tanelorn wrote:Divorce and suspend?


yeah, I picked up on that, too.
I failed to convince my wife that marriage was a bad financial contract up front...wonder if I could convince her at the back end?
:greedy
by batpot
Tue Apr 26, 2016 11:58 am
Forum: Personal Finance (Not Investing)
Topic: What to tell your child about Bill for tax preparation
Replies: 53
Views: 5343

Re: What to tell your child about Bill for tax preparation

What you should say is: That's egregious. Find a new accountant.

And his return sounds simple enough that tax SW should suffice.
by batpot
Tue Apr 26, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 67
Views: 4421

Re: Best drill/driver for home use

I bought a hitachi set from costco a while back, and it's been great. echo others that the drill/impact driver combo can't be beat. And make sure whatever battery brand you buy has a reciprocating saw - I can't believe I lived so long w/out one. Also, most sets tend to have smaller batteries; one of...
by batpot
Thu Apr 21, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 8719

Re: How To Stay Motivated in Employment When You Might Have Enough?

Ron wrote:For me, the social aspect of work is overrated. Also, I worked to live (acquire financial security) - not live to work.


This, forever.

Please...retire, and make room for those of us who are nowhere near vested long enough to have a choice.
by batpot
Fri Apr 08, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: American Airlines
Replies: 27
Views: 1937

Re: American Airlines

AA is the worst for overbooking. I used to fly a particular segment with them often for business travel, as they were cheap, and also the only direct option. On one instance, I had no seat assignment when I got to the gate, and ended up having to catch a later flight because it was overbooked. This ...
by batpot
Fri Apr 08, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1765

Re: Apple letting you hide the stock app

Android has been doing this for many years. I thought the expensive and fancy iPhone was supposed to be "cutting edge"? :confused Apple, or at least Steve Jobs' Apple, has always been about controlling the user experience. It's a Faustian bargain. To a larger extent than with other ecosys...
by batpot
Thu Apr 07, 2016 1:55 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 172
Views: 20293

Re: guaranteed 5% vs stocks?

But I do suspect that this will go the way of the target red card: as popularity increases, the perks will diminish to the point of uselessness.
Going to ride the gravy train for as long as I can...only wish I had learned about them sooner.
by batpot
Thu Apr 07, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 172
Views: 20293

Re: guaranteed 5% vs stocks?

Just got started with 2 so far.
Planning to add another 3.
Easy $1000/year over Barclays HYSA.
:beer
by batpot
Thu Mar 24, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: Wet / Dry (shop) vac recommendations
Replies: 21
Views: 1415

Re: Wet / Dry (shop) vac recommendations

I bought the 6 gallon rigid when I had water seeping into my basement, and I have been satisfied with it. They do nickel & dime you on the attachments, and you have to be conscious of what hose diameter you have. More than 6 gallons would have been too large to lug around (and of course, to dump...
by batpot
Wed Mar 16, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Which Samsung phone/ Straight Talk should I buy?
Replies: 9
Views: 834

Re: Which Samsung phone/ Straight Talk should I buy?

The problem I have with Straight Talk is they route all data through Tracfone servers in FL, which severely decreased connection times. I went w/ Consumer Cellular using the AT&T network. It's much faster, plus my wife & I save a lot of money over straight talk. If you decide to go this rout...
by batpot
Mon Feb 29, 2016 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 478
Views: 272650

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

Going to give this a shot.
by batpot
Fri Feb 26, 2016 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where and how to keep $120K cash? (Savings/CDs)
Replies: 13
Views: 1699

Re: Where and how to keep $120K cash? (Savings/CDs)

As others have said, park the emergency fund into an online HYSA. They're easy to setup and maintain. I use Barclays.

The college fund could go into some layered 1, 2, and 3 year CDs.
by batpot
Fri Feb 26, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on short term investment strategy (1-2 years)
Replies: 6
Views: 337

Re: Looking for advice on short term investment strategy (1-2 years)

Toons wrote:2 years ?
Stocks,Bonds
Are you prepared for the volatility?
That time frame ,,,cds,,,online savings account.
But if you want to accept the risk
Balanced Index or Lifestrategy Conservative Growth :happy


Yes, I believe we could weather a bad market, and just HELOC the entire amount.
by batpot
Fri Feb 26, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on short term investment strategy (1-2 years)
Replies: 6
Views: 337

Looking for advice on short term investment strategy (1-2 years)

Have a good chunk of money that I'm planning to put towards a house addition in the next 1-2 years. This money is not part of my emergency fund, and will be supplemented by a HELOC to cover the total cost of the addition. My strategy is do 50/50 bond/stock, and try to limit ordinary income tax expos...
by batpot
Thu Feb 25, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me, help my parents, help me
Replies: 15
Views: 2458

Re: Please help me, help my parents, help me

Have you considered using the $250k to buy a nearby condo?
You might appreciate having a totally separate residence for them once in a while.
by batpot
Tue Feb 23, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: Investing in Sports
Replies: 13
Views: 1275

Re: Investing in Sports

joebh wrote:Personally, I'd buy an NFL franchise. It's a sure way to make a killing.

yes, slowly...via CTE.
by batpot
Tue Feb 23, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much do Nanny taxes affect pay
Replies: 11
Views: 1404

Re: How much do Nanny taxes affect pay

I'm in the same boat, and came across this website which lays it all out, and I plan to just do it myself... http://pixeltheoryinc.com/nanny-tax-how-to.html Of course, it's specific to WA state but the federal portions will apply to you. The part that's confusing to me is the 6% unemployment tax (of...
by batpot
Tue Feb 23, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Full 20% Down Payment then HELOC to replenish Capital
Replies: 14
Views: 1614

Re: Full 20% Down Payment then HELOC to replenish Capital

Purelife304 wrote:So because of this I started researching ways not to put down 20%, however they all have drawbacks. There a 75% LTV no MI product but it comes with a higher rate.


Um...what is a "75% LTV no MI product"?
by batpot
Tue Feb 23, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Street address requirement
Replies: 12
Views: 1033

Re: Street address requirement

I can't address they "why" of the post, but we've been able to get around the "street address" requirements by having a mailbox at a 3rd party business. This is a little more expensive than a PO Box, but comes with the added benefit of being able to receive packages from all deli...
by batpot
Fri Feb 19, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Uber, Lyft, or car-for-hire from Seattle Airport?
Replies: 17
Views: 1852

Re: Uber, Lyft, or car-for-hire from Seattle Airport?

billydelp4 wrote:Wife and I were in Seattle in October. At the time, and likely still now, Uber wasn't allowed to pickup in the airport.


correct

yellow cab has an exclusive contract w/ the airport to do pickups.

you can, however, take a short walk and pick up an uber from one of the nearby businesses.
by batpot
Fri Feb 19, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: Baseboard Heating- PEX vs Copper
Replies: 15
Views: 938

Re: Baseboard Heating- PEX vs Copper

pex should be cheaper than either PVC or copper, and won't be prone to pinhole leaks like copper can be.
by batpot
Fri Feb 19, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell or rent the home I inherited (with my sister)
Replies: 40
Views: 2538

Re: Should I sell or rent the home I inherited (with my sister)

Take a step back. Let's pretend that that house down the street that's exactly the same and recently sold were to come back on the market because the owner just got a big promotion and his company is moving him to the other end of the world. Would you buy that house to rent it? If you would, I'd as...

Go to advanced search