Search found 585 matches

by batpot
Mon Apr 16, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple HELOCs?
Replies: 7
Views: 679

Re: Multiple HELOCs?

So what did you end up doing? I am considering doing a HELOC churn. That is: assuming I can find a lender who will grant us a HELOC in the 3rd position w/ the promise of it becoming the 2nd position after we use it to pay down the first one...we'd be coming out way ahead, even paying the early term...
by batpot
Mon Apr 16, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Multiple HELOCs?
Replies: 7
Views: 679

Re: Multiple HELOCs?

So what did you end up doing? I am considering doing a HELOC churn. That is: assuming I can find a lender who will grant us a HELOC in the 3rd position w/ the promise of it becoming the 2nd position after we use it to pay down the first one...we'd be coming out way ahead, even paying the early termi...
by batpot
Thu Apr 12, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1528

Re: Mini Air Compressor

Spend a little extra for California Air Tools.
They're very quiet, and very reliable.
by batpot
Thu Apr 12, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6468

Re: Passport photo DIY - anyone done it easily?

For something that you only have to do once a decade, and costs less than 15 bucks tops, I'm amazed there's this much discussion on the subject.
by batpot
Thu Apr 12, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6468

Re: Passport photo DIY - anyone done it easily?

spent $12 and about 5 minutes at the local drug store.
by batpot
Mon Mar 12, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5972

Re: Finally Cutting the Cord - YouTube TV

Really, we don't need devices (with mechanical hard drives) or cloud storage that can record content. We just need that content to be made available when we watch it. that's just the thing though: w/out a DVR, it might not be available when you want to watch it. Just like how DishNetwork/DirecTV ha...
by batpot
Mon Mar 12, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5972

Re: Finally Cutting the Cord - YouTube TV

I was referring to Hulu Live TV, which is just like Direct TV Now/Youtube TV:
https://www.hulu.com/live-tv
by batpot
Mon Mar 12, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 5972

Re: Finally Cutting the Cord - YouTube TV

Just got a month of Direct TV Now and a 4k Fire for ~$3.50 in tax (after a $35 promo credit from Bank of America credit card). Haven't hooked up the Fire TV yet, but Direct TV Now has been fine so far. Moving the family to my own AT&T account will also get us free HBO, and I think save us a bit on A...
by batpot
Tue Feb 27, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Open a HELOC? With whom?
Replies: 29
Views: 2708

Re: Open a HELOC? With whom?

Did this a little over a year ago. Credit Union would not loan us more conforming loan limit, which was odd. (so primary mortgage principal + HELOC amount <= conforming loan limit). Ended up going w/ US Bank, which charges $90/year, but not until the end of the first year. Paid nothing else out of p...
by batpot
Sun Feb 25, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: major remodel: do we need architect to oversee project?
Replies: 10
Views: 799

Re: major remodel: do we need architect to oversee project?

Depending on how complicated the remodelling is, and how many contractors/subcontractors are involved, just your lack of knowledge about construction matters is enough to warrant a "consultant" of some kind to oversee the project. I have built 10+ sites as my side hobby (single family houses to apa...
by batpot
Sun Feb 25, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: major remodel: do we need architect to oversee project?
Replies: 10
Views: 799

major remodel: do we need architect to oversee project?

Have already worked with the architect through the permit and design phase, and are beginning the process of signing contract with the contractor. Do we need the architect to oversee the project? I can't imagine there is much intervention/oversight needed at this point, but don't have time to manage...
by batpot
Thu Dec 14, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 267
Views: 19413

Re: Do people still use AAA?

costs me ~$50/year, and saves me ~$100/year on my auto insurance.

Used it once when I had 2 flat tires, and my air compressor power connector was broken.
by batpot
Tue Dec 12, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5486

Re: Moto G5 Plus: Software updates?

Chip wrote:
Tue Dec 12, 2017 12:51 pm
I don't believe that I have OK Google turned on (where do you do that, exactly?)
with the phone unlocked, long press the "home" soft button (the circle).
by batpot
Tue Dec 12, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 84
Views: 5486

Re: Moto G5 Plus: Software updates?

I got my Moto G5 Plus 64gb for $154 after a Wal Mart price protection claim through discover. By far the best phone I've ever owned. Very snappy, and great battery life. By the way: you can download offline maps through Google Maps as well; just bring up the menu and select "offline maps". works ver...
by batpot
Tue Dec 12, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 11 month [No-Penalty CD]
Replies: 382
Views: 32974

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

Rate has increased to 1.6%.

Given that it's No Penalty...might as well cash them out, and reinvest, right?
by batpot
Fri Sep 15, 2017 3:51 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 29662

Re: Iphone X is $1000

Just bought a brand new Moto G5 Plus 64gb for $240.
It's plenty fast and there's no bloatware.
flagship phone prices are such a joke, only more laughable are the people who get sucked in.
by batpot
Fri Sep 15, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Average American Net Worth is $534,600?
Replies: 15
Views: 3096

Re: Average American Net Worth is $534,600?

If we counted negative net worth, wouldn't the average be zero? No; you would need an equal number of Americans who are billions in the red to offset the likes of Gates and Bezos. It would bring the average number down significantly, though, especially if you include "good debt" like housing and sc...
by batpot
Tue Aug 15, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 216
Views: 19091

Re: Postal Service -- "informed delivery"

I pay for a mailbox that can accept packages from every carrier (i.e. USPS, as well as UPS, Fedex and others), and they send me an email for each package they receive.
by batpot
Mon Jul 24, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Prime MM vs Credit Union acct at .06%
Replies: 5
Views: 492

Re: Prime MM vs Credit Union acct at .06%

Ally's no early withdrawal penalty CD is 1.5% for amounts at least $25k.
You could open 3 of them, and put the remainder in a 1.15% savings account (either Barclay or Ally).
by batpot
Tue Jul 18, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Car braking on downward slopes
Replies: 22
Views: 1709

Re: Car braking on downward slopes

yup, totally normal.
(And annoying if you're not used to it).
by batpot
Tue Jul 18, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 5007

Re: Essential Bike (bicycle) Accessories

I'm pretty stoked with recent frame bag addition.
Fits a 3L camelbak bladder and a u-lock, and still has extra pockets for snacks, etc.
No more sweaty back.

Have an under saddle bag for the "essentials".
by batpot
Tue Jun 13, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 19338

Re: Suits: best bang for your buck?

got a wool/polyester blended Calvin Klein from Macys for ~$100.
Spent another ~$40 to get it tailored by local dry cleaner (waste had to be taken in, as well as pant cuff sewed)
Jacket was pretty close out of the bag.

Pretty hard to beat that.
by batpot
Thu Jun 01, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is Flagship membership status worth a $50 [transaction] fee?
Replies: 40
Views: 6326

Re: Is Flagship membership status worth a $50 one time fee?

ah bummer; I thought this was a new donation feature for the board.
by batpot
Thu May 25, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Debit card use
Replies: 5
Views: 931

Re: Debit card use

Debit card should be fine, but Clark Howard calls them fake credit cards. Apparently they don't enjoy the same consumer protections as a credit card. With that being said I've never had any issues using a debit card. "fake" creadit card is understatement...more like "not" a credit card. And besides...
by batpot
Mon May 22, 2017 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth and Roth IRA?
Replies: 5
Views: 917

Re: Mega Backdoor Roth and Roth IRA?

Just read about it and found that my employer offers this option for about 15k. If both are allowed then roth ira + mega shouldn't exceed 53k? Are you sure the max is 15k? So they stop allowing post-tax contributions after you reach $15k? That's odd, but I suppose not out of the realm of possibilit...
by batpot
Wed May 10, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 34936

Re: guaranteed 5% vs stocks?

Thanks...it's in the letter, but the letter isn't on me at the moment. So... ** The Insight Savings Account ('Savings Account') is made available to Cardholders through Republic Bank of Chicago®, Members FDIC. As of January 1, 2017, the Annual Percentage Yield ('APY') is 5.00%. This rate is subject ...
by batpot
Wed May 10, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 34936

Re: guaranteed 5% vs stocks?

And another one bites the dust... Insight is getting out of the game completely; just received a letter in the mail today that they're going w/ another bank, and the savings rates goes to 0.0%...not even just a reduction in the amount. Oh well. The new bank is providing the same service as before -...
by batpot
Tue May 09, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 5798

Re: 18" vs 20" Tires

How often do you parallel park?
bigger rims = shallower tire = rim scrapes on curb.
by batpot
Tue May 09, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 213
Views: 34936

Re: guaranteed 5% vs stocks?

And another one bites the dust...

Insight is getting out of the game completely; just received a letter in the mail today that they're going w/ another bank, and the savings rates goes to 0.0%...not even just a reduction in the amount.
Oh well.
by batpot
Tue May 09, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: How to find deals?
Replies: 9
Views: 1745

Re: How to find deals?

slickdeals.net lets you set deal alerts.
by batpot
Wed Apr 26, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: "Negative points" on mortgage
Replies: 50
Views: 4454

Re: "Negative points" on mortgage

jimb_fromATL wrote:[qu
IF
... there is no prepayment penalty;
then take the money and refi with someone else.
:greedy
by batpot
Thu Apr 06, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 31860

Re: Capital One 360 $200 bonus

Guess I got lucky...

Signed up March 30, not thinking about test deposit turn around time...
Test deposits didn't post until April 3 in Barlcays; I verified same day, and transfer to CapOne360 happened April 3 as well.
$200 posted today. :greedy
by batpot
Fri Mar 31, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - access issues, normal?
Replies: 13
Views: 1378

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. I don't use popmoney. I just use Ally's "Transfers" function to s...
by batpot
Thu Mar 30, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Handling future healthcare expenses AFTER legal settlement?
Replies: 5
Views: 951

Re: Handling future healthcare expenses AFTER legal settlement?

One simple solution might be to get different health insurance. Drop your company offering and go ACA? Go with a different company offering?
You would owe the new insurance company nothing, and they currently aren't allowed to take into account per-existing conditions...
by batpot
Thu Mar 30, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 221
Views: 31860

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: 13
Views: 1378

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: 5120

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: 75
Views: 11306

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: 1095

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: 131
Views: 19683

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: 131
Views: 19683

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: 1677

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: 1513

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: 1513

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: 4099

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: 554

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: 982

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: 6408

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: 367

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: 1054

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 stateme...