Search found 423 matches

by slbnoob
Mon Jul 10, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 107
Views: 14234

Re: Capital One $400 bonus for new checking account

dollarsaver wrote:
slbnoob wrote:Another data point. Got the bonus. Not targeted, nor in the area. Used Vanguard to trigger the bonus. Bonus showed up 1 day after the 2nd deposit from VG.


Did you just have Vanguard ACH two deposits into your new Cap One 360 checking account?

Yes. Also what @pasadena said above.
by slbnoob
Fri Jul 07, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 107
Views: 14234

Re: Capital One $400 bonus for new checking account

Another data point. Got the bonus. Not targeted, nor in the area. Used Vanguard to trigger the bonus. Bonus showed up 1 day after the 2nd deposit from VG.
by slbnoob
Fri Jun 23, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Does geico provide a decent homeowners insurance?
Replies: 11
Views: 1460

Re: Does geico provide a decent homeowners insurance?

I've had Geico auto for 5 years now. When I was buying a house, Geico didn't offer home insurance in my state. So I went with Amica. Amica's prices increased steadily 15-20% every year, offsetting the dividend they pay. This year, I looked around and found Geico now offered home insurance in my stat...
by slbnoob
Wed Jun 14, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Started a new job - Need advice on health insurance
Replies: 19
Views: 1219

Re: Started a new job - Need advice on health insurance

Between the first two, what are the differences? I would guess the PPO has higher deductibles than the OAP. At least that is how it is in my workplace.
by slbnoob
Sat May 20, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: What goes in your smoothie?
Replies: 45
Views: 3183

Re: What goes in your smoothie?

Almost everything's been covered here, except for - hemp protein.
by slbnoob
Thu May 18, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Solar: Sunrun/Costco or Solarcity ?
Replies: 1
Views: 503

Re: Solar: Sunrun/Costco or Solarcity ?

confusedinvestor wrote: - 4% Costco CC vs 2% CC
- No Smart Thermostat vs Nest included

All I can say is that these 2 cancel each other out.
These might be your deciding factors:
confusedinvestor wrote: - REC/Polycarborate vs Panasonic/Monocarbonate
- Owner monitoring vs company monitoring
- 15 yrs roof warranty vs 10 yrs
by slbnoob
Wed May 17, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 24943

Re: Capital One 360 $200 bonus

I would go for this but not sure how to meet the DD requirements without shooting emails to HR. Ally has been my go-to for doing 'DD' but the DoC site has 1 data point on Ally not counting as DD for Cap One 360.
by slbnoob
Thu May 04, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 51
Views: 8246

Re: HSBC Bank- Easy (???) $350 bonus

6 months up. What is the least painful way to close this account? Ideally, I'd like to ACH my money out and then close it. Anyone did that?
by slbnoob
Wed May 03, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1906

Re: Need a car for 9-12 months

...Also, I'm pretty sure the Tesla M3 would be the last car I would need to buy (barring some unforeseen circumstances)... Not sure I understand this part. Are you saying you're really old and unlikely to be driving yourself around a decade from now? For most of us, cars are an ongoing purchase/rep...
by slbnoob
Mon May 01, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 24943

Re: Capital One 360 $200 bonus

OffTheGrid wrote:Am I wrong in assuming this is a slightly different, but better promo? Looks like you can now get $400 ($200 per account for $1000 deposited) by opening both a checking and MM until the end of June:

https://www.capitalone.com/together360/

It does look better, but unfortunately, is targeted.
by slbnoob
Sat Apr 29, 2017 12:20 am
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1906

Re: Need a car for 9-12 months

cancel silly tesla thing. umm, no. That is more than 8 years in the making (for me, since I started following Musk and Tesla). If there is one 'irrational' decision I can take, this is it. Also, I'm pretty sure the Tesla M3 would be the last car I would need to buy (barring some unforeseen circumst...
by slbnoob
Fri Apr 28, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1906

Re: Need a car for 9-12 months

OP here. Yes, I plan to buy the used car with cash. I have room for maintenance headaches though I'd rather avoid them. My current ride (2003 Rav4) will be shipped off to relatives in MN (from TX). That is better than having them buy a used one. The reason I am shipping this car is because this seem...
by slbnoob
Fri Apr 28, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1906

Need a car for 9-12 months

What is the optimal way to have a commuting car for 9-12 months? I would drive 36 miles every working day. Don't really care for the make etc. as I currently drive a worn out 2003 Rav4. 1) Lease/rent a car for that time. Is this even doable? 2) Buy a used car, drive it, and sell in 9-12 months. Crai...
by slbnoob
Fri Apr 28, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: Buying car remotely (from TX) for family in MN
Replies: 1
Views: 248

Buying car remotely (from TX) for family in MN

What is the best way to go about buying a car (minimizing hassle) for family in MN (Twin Cities area) while I'm in TX. Would likely buy a 4WD; have had good experience with Rav4 previously. I'm trying to convince them to not buy a new car (boglehead). Any recommendation on car/dealers/websites? Me b...
by slbnoob
Wed Apr 05, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on [May 1st], weighing points
Replies: 14
Views: 1517

Re: Closing on 5/1, weighing points

3 years ago, almost exactly this time around, I paid points to reduce my rate by 0.125%. Because "rates have nowhere to go but up". I repented that bet as I refinanced 9 months later and tried to 'recoup' by doing a zero closing cost refi. Another 1 year later, I was close to another refi ...
by slbnoob
Wed Apr 05, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 32
Views: 3070

Re: Where to buy new iPhone

Since the OP has been answered well enough, I'd request answer to a slightly different question.

I'm looking to get the iPhone 7, but only after the newer one comes out. Any strategy as to when are the best deals for those? Looks like I'll go the eBay route for a slightly used one.
by slbnoob
Fri Mar 31, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 10067

Re: What career helped you become wealthy?

Does anyone trade/invest for a living? You won't find many traders on the forum; it goes a tad against the BH philosophy. But many here invest for life. They may not actively trade their own money. Any traders (by profession) or quants or other financial industry people? Curious to know if there ar...
by slbnoob
Wed Mar 29, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 24943

Re: Capital One 360 $200 bonus

$200 posted but I'm now considering keeping this one open. I'd transferred 10k from Ally where I was also getting 1%, same as here. Might as well keep it to allow one more option to do ACH when needed. Any reason to keep this open?
by slbnoob
Wed Mar 29, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13122

Re: Get $250 from Wells Fargo

$250 posted 2 days after the 10th debit.

Will BillPay a CC and close WF with 0 balance after that. Thanks!
by slbnoob
Thu Mar 23, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 3081

Re: Why did my fund GO UP so much?

Actually that wasn't the only fund with a "really good day".
Yesterday, Yahoo Portfolios showed me that my VEIEX (Emerging Market Stock Index) had a similar "run-up". The similarity being that the increase was the price of the fund.
by slbnoob
Fri Mar 17, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Endless Job Interviews (with same company)
Replies: 61
Views: 6911

Re: Endless Job Interviews (with same company)

ved wrote:Probably. But, what do you have to lose?

If I were the OP, I would say:
1) taking days off from work,
2) opportunity cost of not redirecting time/effort elsewhere,
3) mental agony of not reaching a conclusion to the invested time/effort.
by slbnoob
Thu Mar 09, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Multiple job offers
Replies: 36
Views: 3326

Re: Multiple job offers

... Firm A came to me with an offer a month ago and when they saw my current compensation, they rescinded the offer. Basically they had two candidates (including me) that they liked. Apparently they liked both the candidates equally and went with offering the candidate who was ready to work for les...
by slbnoob
Wed Mar 08, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Get $250 from Wells Fargo
Replies: 83
Views: 13122

Re: Get $250 from Wells Fargo

Seems like it can be cancelled immediately after getting the bonus, right?
by slbnoob
Tue Jan 31, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 23
Views: 3800

Re: GEICO discount for Berkshire Hathaway shareholders

I told them I own it through Vanguard in a mutual fund (guess which one?). I got the 8% discount.
by slbnoob
Wed Jan 04, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Remote TV/RAD button question
Replies: 3
Views: 464

Re: Remote TV/RAD button question

student wrote:Try the input button which sits below the button you are referring to.

Right. That's how I currently do it. However the TV button is a straight shot to go to TV. The Input button route needs 2 extra presses :oops:
by slbnoob
Wed Jan 04, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: Remote TV/RAD button question
Replies: 3
Views: 464

Remote TV/RAD button question

I have an LG TV (55LS4500UD). It had a remote which recently stopped working completely. Actually the buttons on the top half stopped responding which was mostly an inconvenience as we only lost a few functions. I bought an OEM replacement on eBay but they shipped me a newer model ( image ). This mo...
by slbnoob
Wed Jan 04, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 11
Views: 2643

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

Heads up. The VISA gift card doesn't show up even with the search on the rewards site.
by slbnoob
Tue Jan 03, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: what to do with unresponsive recruiter
Replies: 11
Views: 1084

Re: what to do with unresponsive recruiter

I've found recruiters to be either very prompt (when you're being actively considered) or unresponsive (when you're not in the running, presumably). I gave up following up with a recruiter on the results of my interview after multiple emails to 2 different people.
by slbnoob
Wed Dec 21, 2016 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp to start-up
Replies: 8
Views: 1411

Re: MegaCorp to start-up

Thank you for your feedback. Yes, it is a lateral technical role (non-core-software). I understand that the figure I am asking for is rather high for a non-core-software technical job in any scientific/engineering company in the Bay area, much less a start-up. However I am in the fortunate position ...
by slbnoob
Sun Dec 18, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: MegaCorp to start-up
Replies: 8
Views: 1411

Re: MegaCorp to start-up

Thanks. The start-up states they have 401K matching but I don't know to what extent. Can't expect to be as generous as the MegaCorp (with profit sharing). Good point on the healthcare. Will need to get details on that, if it comes to that.
by slbnoob
Sun Dec 18, 2016 1:57 am
Forum: Personal Finance (Not Investing)
Topic: MegaCorp to start-up
Replies: 8
Views: 1411

MegaCorp to start-up

Some details about myself: I'm 4+ years into my first job out of grad school. I'm in the O&G industry and while things have been rather dire lately, I feel relatively 'comfortable' and progressing appropriately in the company. In my personal opinion, I do not expect this industry to be as great ...
by slbnoob
Mon Dec 12, 2016 2:03 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Carbon Monoxide Alarm/Detector
Replies: 11
Views: 1283

Re: Recommendation for Carbon Monoxide Alarm/Detector

Any specific recommendation?
For me, plugged in sounds better than battery ones for walkways etc.
by slbnoob
Thu Nov 24, 2016 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: I've been leaving money on the table (401k)
Replies: 21
Views: 4862

Re: I've been leaving money on the table (401k)

On the other hand, I contributed a little too soon for the year. Now I realized that since I'll have no more contributions for the rest of the year, I'm losing out on company match :oops:

I'm an idiot too !
by slbnoob
Mon Nov 14, 2016 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 2319

Re: Should I change the job?

At my MegaCorp, getting an A (outstanding) at the performance review is a big deal, with only a small percentage of the population getting it at any one time. The managers have to be ready to explain to their managers and HR why this employee should get this rating. At the end of the day, it gets co...
by slbnoob
Tue Nov 08, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help in deciding between two Job offers
Replies: 13
Views: 1452

Re: Help in deciding between two Job offers

70k versus 55k
1 hour OW commute versus ... ?
Assuming the current commute is 20 minutes and given the other information, I think I may be tempted to stay if your current job offers 60k.
Did you ask if they are willing to go upto 60k?
by slbnoob
Thu Nov 03, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bad deal [Rent vs. buy for co-op]
Replies: 38
Views: 3516

Re: Bad deal

That is one long sentence. And I'm not sure if it even ended. :?
by slbnoob
Thu Nov 03, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Value is low - Do I continue to refinance?
Replies: 21
Views: 2069

Re: Refinance - Appraisal Value is low - Do I continue to refinance?

Sorry, yeah I don't know why I was letting the proposed loan balance confuse me. So I would need to bring $17,800 to the table to get to 20% equity and remove PMI. The cost of the Refi is about $2,300 in total which is paid out-of-pocket as of now. Is it suggested to roll the costs into the loan? W...
by slbnoob
Thu Nov 03, 2016 12:02 pm
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 2190

Re: Can Garmin or Tom Tom GPS Navigator do this?

I've felt the need to simulate trips previously especially while planning a trip in another country. I didn't get too far with this but I only tried it on a borrowed Garmin. As an aside, the reason I could try this on a Garmin is that Garmin allows using open source maps. I put various maps and con...
by slbnoob
Thu Nov 03, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Can Garmin or Tom Tom GPS Navigator do this?
Replies: 24
Views: 2190

Re: Can Garmin or Tom Tom GPS Navigator do this?

I've felt the need to simulate trips previously especially while planning a trip in another country. I didn't get too far with this but I only tried it on a borrowed Garmin. As an aside, the reason I could try this on a Garmin is that Garmin allows using open source maps. I put various maps and conf...
by slbnoob
Thu Nov 03, 2016 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Refinance - Appraisal Value is low - Do I continue to refinance?
Replies: 21
Views: 2069

Re: Refinance - Appraisal Value is low - Do I continue to refinance?

As the posts above say, you have a wrong notion of 'loan balance'. It is what it is 193,800. You are however almost correct in saying that if you bring 16,700 to the closing, you will eliminate PMI. In that case, you loan balance will become 193,800 - 16,700 = 177,100 which is 177,100/220,000 = 80.5...
by slbnoob
Tue Oct 25, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 51
Views: 8246

Re: HSBC Bank- Easy (???) $350 bonus

How long does it take to receive the temporary password in the mail after getting the 3-4 emails (with temporary registration)? I got the emails last Friday. Funding money got debited out of my account on Monday. No mail yet.
by slbnoob
Tue Oct 25, 2016 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Easy $300 bonus- Key Bank
Replies: 28
Views: 5080

Re: Easy $300 bonus- Key Bank

4. Don't live in one of the "available states"? I don't , but it seemed to take my promo code for the bonus and let me open the account, so I think it will probably work. I'm hesitating to open because I'm not in the "available states". Not sure if the bonus will post. Are there...
by slbnoob
Fri Oct 21, 2016 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Cryptocurrencies: The Wild West of Investing
Replies: 12
Views: 2043

Re: Cryptocurrencies: The Wild West of Investing

bitcoin has been marred throughout its existence by a seemingly endless number of failures and/or scams that have cheated bitcoin owners out of large amounts of money. The bitcoin advocates have an answer for everything--the answer is always that people who lost money bought or stored their bitcoin...
by slbnoob
Tue Oct 18, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing After 1 Year
Replies: 39
Views: 3484

Re: Refinancing After 1 Year

I did a 0 cost, 25 year refi, 7 odd months onto a 30 year mortgage. 25 is also an option. ask your lender. now looking at 20 year, 1.5 years into the 25 year mortgage.
by slbnoob
Thu Oct 13, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1658

Re: Bank promotion- PNC Bank

On a separate note, I got a targeted offer from Regions Bank to open a lifegreen checking account and get $400. I shall oblige :)
by slbnoob
Wed Oct 12, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: AnnieMac Mortgage: any experience?
Replies: 3
Views: 419

Re: AnnieMac Mortgage: any experience?

The name is indeed misleading, but it is just another online lender. However a lender whose rates are in a different class than the others when they do advertise on zillow. I've been tracking the rates for a while, so this observation is over a few months. Mind you, they don't always show up on zill...
by slbnoob
Wed Oct 12, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Bank promotion- PNC Bank
Replies: 10
Views: 1658

Re: Two bank promotions- Citibank and PNC Bank

Have to go in branch. No PNC Bank here
by slbnoob
Tue Oct 11, 2016 11:50 am
Forum: Personal Finance (Not Investing)
Topic: AnnieMac Mortgage: any experience?
Replies: 3
Views: 419

AnnieMac Mortgage: any experience?

I've been tracking the interest rates for a while (for another refi). One name which keeps popping up on the top of the list (on Zillow) is AnnieMac Home Mortgage. Their rates are cheaper than the rest. I've read their reviews there and nothing stands out. Apart from that, there isn't much else to g...
by slbnoob
Tue Sep 20, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 6622

Re: How I circumvented Chase's 5/24 rule

I'll share my DP. Walked into a branch. Asked for any pre-approval for credit cards. Ensured that the pre-approval was indeed 'true'. This meant making sure there was a fixed interest rate on the pre-approval, not a range. Then applied for the CSR. Got approved with 35k limit. This was after being r...