Search found 374 matches

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: 5338

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...
by slbnoob
Fri Sep 16, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2431

Re: Baby deals

Any recommendations on re-usable or cloth diapers?
Diapers are a money pit and that's not even what I hate about them the most. Imagine so many babies' diapers filling up the landfills after so much resource was put into making them.
by slbnoob
Fri Sep 16, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Nisiprius Investments Unveils New MDF Factor-Based Fund
Replies: 44
Views: 2980

Re: Nisiprius Investments Unveils New MDF Factor-Based Fund

'crack' research team inviting us to invest money? What can go wrong?
by slbnoob
Tue Sep 06, 2016 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

Missing money in my account today. Thanks to those who called!
by slbnoob
Thu Sep 01, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

Same here. 2% for August. I just called them. I was rapidly told it was a known issue and they are working on it, but that since I called they would escalate it and I should expect it to be corrected and receive a call back about it within 48 hours. BTW, once I entered my info and got through the m...
by slbnoob
Thu Sep 01, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

Same here. 2% for August.
by slbnoob
Mon Aug 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 1807

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

My daughter, who is unmarried currently, is trying to decide between a 2016 Rav4 Hybrid (AWD) and a 2016 Honda Pilot (FWD). The cost is similar as the Pilot is the base model but the Toyota Hybrid is only offered in a higher trim line. The Pilot is roomier but the Hybrid offers a big savings in fue...
by slbnoob
Tue Aug 09, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: AliExpress.com?
Replies: 7
Views: 653

Re: AliExpress.com?

Bought various (small) items over the years. Prices can be hard to beat if you are prepared to wait for long shipping times. No complaint yet.
by slbnoob
Thu Aug 04, 2016 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance w/ Aimloan?
Replies: 24
Views: 1806

Re: Should I refinance w/ Aimloan?

Thanks for the info. They currently offer a credit towards closing. The individual I spoke to mentioned that the only additional cost could be any HOA fees they may charge to sign off. It just sounded a bit too good to be true. Below was the semi generic quote I received... Guaranteed Origination C...
by slbnoob
Thu Aug 04, 2016 9:21 am
Forum: Personal Finance (Not Investing)
Topic: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing
Replies: 27
Views: 2279

Re: 30 yr fixed @ 3.75% to 15yr fixed @ ~2.8%: Advice on Refinancing

2 years ago, I had a 30 yr at 4.25% after paying 0.125 in points (sunk cost). Last year, I refi'd to 25 yr at 3.75% with no closing costs. Currently looking at 20 yr at 3.375% with no closing costs. I shopped around but didn't get any better offer than this.
What would you do? :)
by slbnoob
Wed Aug 03, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: lab fees /w HSA
Replies: 7
Views: 554

Re: lab fees /w HSA

From what I can glean from the info provided here, it seems like you have a HDHP with an HSA. Then, you would have to meet the (high) deductible before anything starts getting covered. Typically, after the deductible is met, a percentage or fixed co-pay applies to subsequent services till the out of...
by slbnoob
Tue Aug 02, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

As an alternative to closing out the card, how about simply leaving 5k in there and earning the 2% without any hassle? Seems like the 2% doesn't have any ACH requirements, right?
by slbnoob
Mon Aug 01, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: 15 year 2.75% refinance mortgage
Replies: 34
Views: 3522

Re: 15 year 2.75% refinance mortgage

For my input, I do not see zero closing costs anywhere on NWFCU. I only see 0 points. Am I missing anything?
by slbnoob
Mon Aug 01, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: What does a real estate oil bust look like
Replies: 18
Views: 2038

Re: What does a real estate oil bust look like

I haven't done any analysis on the Real Estate data. But I'll give some anecdotal data about what I've observed around here (Katy). Home prices haven't dipped from last summer. At best, they're stabilizing, but still higher than last summer. There are more houses for rent though! Renting houses seem...
by slbnoob
Fri Jul 29, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Airbnb rental review
Replies: 32
Views: 3442

Re: Airbnb rental review

What you wrote here explained the situation to us. It would likely help out the next renter too.
If the host was nice and responsive, and did everything they could (as you said), I would modify your OP slightly to have a nicer, non-complaining, factual tone and post it.
by slbnoob
Wed Jul 27, 2016 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying second home - how much $?
Replies: 6
Views: 480

Re: Buying second home - how much $?

+1 on stretching too thin. You're looking at a 2nd home of almost 6x your income. And you have already have a mortgage likely at least 2x your income.
by slbnoob
Wed Jul 27, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: Mango - Cannot Get Money To Account
Replies: 5
Views: 436

Re: Mango - Cannot Get Money To Account

I am guessing that you are exceeding the daily ACH limits. Offhand I don't know where to get the latest documents, but there is a daily limit. Since 2400 failed, looks like 2500 is above the limit. I would try 1500 next.
by slbnoob
Thu Jul 21, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance through Costco ? Any experience ?
Replies: 6
Views: 1078

Re: Term Life Insurance through Costco ? Any experience ?

Personally, I think the Costco-Protective deal is a really good one, and last time I checked, the premium quotes were better than what I saw on the low-cost term life quote sites. Your post got me intrigued since I got the Protective 20 year term life a few months ago and am currently considering a...
by slbnoob
Wed Jul 20, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker prohibiting me from refinancing
Replies: 18
Views: 2236

Re: Mortgage broker prohibiting me from refinancing

I've asked my broker before about this sort of a scenario where what if I want to refi soon after a fi/refi. He basically said that there's nothing stopping me from doing that. However, the bank to whom your loan was sold to will be miffed. They might even charge back the 'closing costs' or at least...
by slbnoob
Tue Jul 19, 2016 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 8
Views: 1353

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

As of today, even the search doesn't show up VISA! Sent an email asking them about it. Looks like my only other option is Amazon GC. I just redeemed points for a $100 Visa card. Just typed Visa in search box and it came right up. Francis After reading your post, I went back in again, searched, and ...
by slbnoob
Mon Jul 18, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 8
Views: 1353

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

As of today, even the search doesn't show up VISA!
Sent an email asking them about it. Looks like my only other option is Amazon GC.
by slbnoob
Mon Jul 18, 2016 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Risky job opportunity, or Microsoft at its start?
Replies: 32
Views: 2728

Re: Risky job opportunity, or Microsoft at its start?

Now that you've mentioned that the startup is about thorium MSRs, I'd just caution that this technology has been investigated for a while, more vigorously recently, particularly by governments (as many energy initiatives are). Obviously you'll know a lot more than what I've gleaned over the years fr...
by slbnoob
Fri Jul 15, 2016 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Risky job opportunity, or Microsoft at its start?
Replies: 32
Views: 2728

Re: Risky job opportunity, or Microsoft at its start?

I'll add to the observations made above. Be wary of the greed of hitting a jackpot. Go into it assuming that this will be another startup which will fail. Anything above that is a bonus. Hence, be prepared to 'leave' in a few years. I think the experience of working in a startup will do you well in ...
by slbnoob
Fri Jul 15, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Need help with infant fare issue with airline
Replies: 18
Views: 1505

Re: Need help with infant fare issue with airline

nova148 wrote:Thanks AlohaJoe. I went ahead and posted the same in FlyerTalk.

Could you post the link here or PM me (if not allowed to post)? I'd like to follow the discussion there.
by slbnoob
Wed Jul 13, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

Are you positive that you have paid the $3 fee every month? A lot of accounts have stated that if there is a zero balance on the last day of the month, then there is no fee. Perhaps they have fixed that bug. Hmm ... didn't know about that. I do not seem to have any way of checking transactions olde...
by slbnoob
Wed Jul 13, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

I noticed this morning that my Mango account has 3 consecutive 'Fee Retry' transactions of $3.00 each, for a total of $9.00. Usually, the fee is charged end of the month. So I have already been charged $3.00 end of last month. The 3 fee transactions are obviously in error. Just wanted to let everyon...
by slbnoob
Mon Jul 11, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Rates
Replies: 20
Views: 2200

Re: Refinance Rates

I am locked at 2.75% with a $2,000 credit on closing costs. They also offered 2.625% with $1,100 credit. I don't owe millions on my mortgage so opted to pocket the $900 difference and take the higher rate. My payment goes down like $8/month (pays for Netflix) and I'll save about $900 in interest a ...
by slbnoob
Fri Jul 01, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8427

Re: How to make an easy $500 like I just did [Chase bank offer]

I'm also interested to know if an ACH push from Vanguard will qualify as DD. http://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Chase Yeah, well I'd already scoured that page and many links provided there before. Didn't see anything relevant with Vanguard and Cha...
by slbnoob
Fri Jul 01, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8427

Re: How to make an easy $500 like I just did [Chase bank offer]

The link that the OP had linked to the offer which is for 'Total Checking'. At least that is what I printed out out after being prompted to log in.

From what I've read, I didn't see a minimum DD requirement. I'm also interested to know if an ACH push from Vanguard will qualify as DD.
by slbnoob
Fri Jul 01, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8427

Re: How to make an easy $500 like I just did [Chase bank offer]

$300 offer is available online. https://www.chase.com/checking/offer/348121-offer-aff-p1.html?ID=0000018573&MSC=5788896&jp_cmp=rb/381455/aff/3_40/na&CODE=kLpbSSXjHhI-1BDdlIuQHlc_v_odpkI0WQ&MSC=kLpbSSXjHhI-1BDdlIuQHlc_v_odpkI0WQ Important to point out that this link is for "Prem...
by slbnoob
Fri Jul 01, 2016 9:40 am
Forum: Personal Finance (Not Investing)
Topic: No-cost refinace to save 1/2 percent
Replies: 15
Views: 1239

Re: No-cost refinace to save 1/2 percent

Can I pay a small sum during the refinance to bring the new loan amount now? Say, $10K or so and bring the loan amount down from $262K to $250K? I have done this. I paid to bring down the loan amount and my LTV<=80% and avoid the PMI during my last no-cost refi. This was done after the appraisal ca...
by slbnoob
Tue Jun 28, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8427

Re: How to make an easy $500 like I just did

I did a $100 eft from my Fidelity account to my new Chase checking account and Chase logged it in as an ACH transfer. Hopefully that should trigger the $300 bonus (plus $200 from depositing $15K in savings). That said, from what I have read, Chase is very selective about what passes as an ACH, and ...
by slbnoob
Mon Jun 27, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: No-cost refinace to save 1/2 percent
Replies: 15
Views: 1239

Re: No-cost refinace to save 1/2 percent

Look at refinancing to a lower term (25, 20 or even 15). Apart from not having to pay interest over the 6 months again, those will also get you a lower rate.
by slbnoob
Mon Jun 27, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Re: Replacing rotten stud in wall

I am curious about why the sill rotted. Sills are usually treated wood, which should not rot. Ralph The sill or the "bottom plate" wasn't treated wood, just the usual kind. It rotted because the stud standing on it rotted due to the cascading water. Some water also probably "pooled&q...
by slbnoob
Fri Jun 24, 2016 9:28 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10759

Re: International stocks in free fall

Today is payday, which means 401k contribution day. And since my current contributions are 90% international stock (rebalancing my AA through contributions only), that should buy me a decent number of shares after today's bloodbath. :mrgreen: For me even though today is payday, 401k contribution ha...
by slbnoob
Thu Jun 23, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Re: Replacing rotten stud in wall

The $3000 is reasonable considering that it will take parts of at least 3 days to do the work. The bid included fixing the drywall and repainting. Do you know for certain that the rotten studs and sill plate did not have termite damage before they got soaked with water? Rotten wood like you describ...
by slbnoob
Thu Jun 23, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Re: Replacing rotten stud in wall

Looking at the photo its not clear there is any rot - just mildew and mold.. Let it dry out for a month and then poke it with a pick. If it feels solid you are fine. Clean out all the debris, do a bleach wash to kill the mold then replace all insulation and drywall. To be safe, buy an inexpensive m...
by slbnoob
Thu Jun 23, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Re: Replacing rotten stud in wall

How much do you save by doing a half ***ed job? Don't know where you live but offhand the price does not seem out of line. I expect sister ing the studs would be structurally fine. But I'd be concerned about residual mold. I expect once you have wall open and have to fix the underlying problems and...
by slbnoob
Wed Jun 22, 2016 11:48 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Re: Replacing rotten stud in wall

IMHO there is nothing unusual or improper with splicing in a replacement of just the bad part. Proper use of mending plates and cross bracing will make the repair stronger than the original. Good to know this. I was doubtful if this was done. Thanks! I once had a similar problem, but less severe, t...
by slbnoob
Wed Jun 22, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Re: Replacing rotten stud in wall

Doesn't look like it is worth repairing. Leave it open until it dries out then gently probe with an ice pick. Areas that are really damaged will allow the pick to penetrate all the way thru. Sound lumber will allow the pick to penetrate 1/8 - 1/4 inch depending on species, whether the probe is on a...
by slbnoob
Wed Jun 22, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: Replacing rotten stud in wall
Replies: 32
Views: 2607

Replacing rotten stud in wall

In the recent Houston rains, water was overflowing from a gutter. This water made its way down the external planks near a window. Some water made its way into the wall. Apparently, over a long enough time, the water entering the wall damaged the studs. This manifested as more rotting wood, leading t...
by slbnoob
Wed Jun 22, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 780
Views: 77045

Re: What's Your Credit Card Rewards Strategy?

After going over all this great information in this thread and taking a close look at all the offers out there, I have decided to apply for five cards that I could immediately benefit from. - Costco Visa - Amex Blue Card Everyday - Chase Amazon Reward Visa - Chase Freedom Visa - Southwest Airlines ...
by slbnoob
Wed Jun 15, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: tencent vs baba
Replies: 1
Views: 258

Re: tencent vs baba

erik265 wrote:Any thoughts on these 2 stocks and which one is better to hold right now i have a small position in baba

Umm, wrong exit on the internet freeway
Now the answer to your question: BABA
by slbnoob
Wed Jun 15, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: let go with 2 days notice
Replies: 28
Views: 4398

Re: let go with 2 days notice

N1CKV wrote:two day notice is better than to-day notice!

+1
That happens a lot. Source in HR.
by slbnoob
Mon Jun 13, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 555
Views: 290146

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

NewtoInvesting403 wrote:Can anyone who received their 6% recently confirm that ACH from Ally counts as DD?.

Yes. That's what I've been doing for a while now.
by slbnoob
Fri Jun 10, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Iceland trip review
Replies: 1
Views: 404

Re: Iceland trip review

Welcome back. Can't wait to go back! Haven't seen a more beautiful country.
by slbnoob
Fri Jun 10, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Battery Life - 2008 Toyota Hybrid Camry
Replies: 26
Views: 1711

Re: Battery Life - 2008 Toyota Hybrid Camry

I've been wondering if anxiety about battery life might result in an inefficiency in the pricing of used hybrids. In my area a 2013 Chevrolet Volt, coming off-lease, seems to regularly go for around $14,000 asking price. That's quite a depreciation hit. The depreciation hit on used EVs like Volt, L...
by slbnoob
Thu Jun 09, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: Battery Life - 2008 Toyota Hybrid Camry
Replies: 26
Views: 1711

Re: Battery Life - 2008 Toyota Hybrid Camry

I have an 04 and an 06 Prius - both over 120k one closing in on 140k and the hybrid batteries have given me no issues at all (and I'm not particularly diligent about maintenance intervals and service, have left them sitting for over 3 months while travelling etc.). Also, you can get them replaced f...
by slbnoob
Mon Jun 06, 2016 12:54 pm
Forum: Personal Consumer Issues
Topic: Correcting Zillow Data?
Replies: 10
Views: 1656

Re: Correcting Zillow Data?

After I bought my house, I noticed that the selling realtor put in the wrong selling price for my house. I contacted zillow and they corrected it within minutes, without even needing any proof! I wanted the sale price removed because that might be used by the appraisal district. (Later I realized th...
by slbnoob
Mon Jun 06, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 9655

Re: Leave garage door open?

I must admit I am also guilty of keeping it open if I expect it to be opened soon. I do this only to avoid some cycles. What is a good way to maintain the door? Spraying WD-40 on the hinges, etc.? Also, what to do when the door gives up one fine day we're supposed to be leaving? I haven't yet tested...

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