Search found 1194 matches

by tbradnc
Sat Apr 30, 2016 6:15 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

I have not done any of these 5% accounts though I do have a 3% hi-yield checking. Just wanted to add some insight to the 'if it is too good to be true..' comments. Many of us play the bonuses game. Is there a cost? Maybe to my credit score when it comes to credit card churning. Sure I have to manua...
by tbradnc
Thu Apr 28, 2016 2:47 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

Like the other poster, I've set up "auto-pilot" ACH pulls and pushes from my Ally account every 2 months. So theoretically there should be no fees. I have found that the Ally account wouldn't let me add one Insight Visa card, but it did let me add the 1st Insight Visa. So I have had to us...
by tbradnc
Tue Apr 26, 2016 6:25 am
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 6364

Re: Toyota Tacoma owners?

Not a Tacoma owner. I see TRD on some Tacoma trucks. Something about Toyota Racing. What is that about? Toyota Racing Development. They have 2 versions, off-road and sport. Both are "packages" you can upgrade too. Both come with better suspension than stock, and better interior (seats). T...
by tbradnc
Sun Apr 24, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: dividend stocks
Replies: 119
Views: 5658

Re: dividend stocks

I own enough of 3 stocks to collect between $510-$540 per month in dividends. These 3 stocks represent less than 7% of my total portfolio value. I enjoy the dividends and use the proceeds to pay home and auto insurance and property taxes. I also bought these shares during market pullbacks and all 3 ...
by tbradnc
Fri Apr 22, 2016 5:15 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8282

Re: Better than amazon??

Heck... yesterday I bought 312 rolls of toilet paper from Staples for $5.05 (not a typo) and I almost never buy anything from Staples. Amex has a $25 off $100 at Staples offer and I used $75 of my cash earned from my Amex Blue Cash preferred. Total for the toilet paper was $105.05. Less $25 from th...
by tbradnc
Thu Apr 21, 2016 7:12 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2264

Re: Roku 3 v. Apple TV v. ???

Decent article comparing streaming devices:

http://www.cnet.com/news/chromecast-vs- ... 05-10aaa0a
by tbradnc
Thu Apr 21, 2016 5:36 am
Forum: Personal Finance (Not Investing)
Topic: 5% savings account ???
Replies: 17
Views: 5668

Re: 5% savings account ???

there is a fairly robust discussion in fat wallet on these accounts and I doubt there is truly a rock-solid alternative that literally works 100% of the time for everyone..ally usually works, and also alliant,. capital one 360, and discover to mention a couple of others. i've personally used ally a...
by tbradnc
Wed Apr 20, 2016 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: When to start Social Security. A different take
Replies: 103
Views: 7951

Re: When to start Social Security. A different take

Maverick3320 wrote:Perhaps I don't understand enough about how SS works, but one huge benefit of starting early, at least from my point of view, that doesn't get brought up enough: what happens if you die before the average US life expectancy?


If you die, you'll be dead and it won't matter.
by tbradnc
Wed Apr 20, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 23
Views: 2047

Re: avoiding inactivity fee

A couple questions regarding avoiding the inactivity fee: - activity needs to occur at least every 90 days, correct? - is there a minimum amount for the transaction to "count"? - does it matter if the transaction is a debit or credit? Thanks! I have a $2 bi-monthly recurring transfer to e...
by tbradnc
Wed Apr 20, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8282

Re: Better than amazon??

Well.. a person could shop where they get the best final price instead of locking themselves into 1 source. I'll buy from Amazon if it saves me money - after tax it rarely does - but if it does I don't feel like I'm cheating on Jet... Heck... yesterday I bought 312 rolls of toilet paper from Staples...
by tbradnc
Wed Apr 20, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Any problems with netspend
Replies: 23
Views: 2047

Re: avoiding inactivity fee

A couple questions regarding avoiding the inactivity fee: - activity needs to occur at least every 90 days, correct? - is there a minimum amount for the transaction to "count"? - does it matter if the transaction is a debit or credit? Thanks! I have a $2 bi-monthly recurring transfer to e...
by tbradnc
Wed Apr 20, 2016 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 59
Views: 6423

Re: Why am I still scared ? Is it actually normal ?

With due respect to the OP, this question is in the same category as "I'm 12 years old and have $10,000,000. Am i doing ok?" Anyone who is smart enough to be under 50 and put together $1.6 million dollars in liquid assets has to know that's a lot of money and will spin out $40,000 a year a...
by tbradnc
Wed Apr 20, 2016 5:51 am
Forum: Investing - Help with Personal Investments
Topic: One bond fund, two, or three?
Replies: 33
Views: 3123

Re: One bond fund, two, or three?

With bonds, you do have to stress test against very bad things happening. Because that's when you want safety for part of your portfolio. When stocks have dropped 50%, you don't want bonds to have dropped 20%-- you want them to be at least flat. Intermediate Bond Index Admiral (VBILX) and Total Bon...
by tbradnc
Tue Apr 19, 2016 8:55 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 32
Views: 2264

Re: Roku 3 v. Apple TV v. ???

We have a 3 gen ATV, Roku 3, Chromecast, Amazon Fire Stick, an Amazon Fire Box, and a Chromebit. I prefer the Amazon Fire Box. It has apps for Playstation Vue and Amazon Prime - none of the non-Amazon devices do. Amazon Fire Stick has the same feature set as the Fire Box but it's sluggish and has be...
by tbradnc
Tue Apr 19, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: One bond fund, two, or three?
Replies: 33
Views: 3123

Re: One bond fund, two, or three?

I don't know right or wrong my bond allocation is. I am using an combo of BIV for intermediate treasury and corporate bonds and an 5 year cd ladder getting me around 2%. I don't have an huge bond allocation when you compare it with my stock allocation, but i felt i wanted something that was semi sa...
by tbradnc
Sun Apr 17, 2016 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9968

Re: mortgage pre payment, why?

Not only do I not have a mortgage but I overpay our utilities with my credit card $2000 at time - so not only am I not going to be homeless I'm going to have lights, water, sewer, internet and natural gas. :) Our utility lets you pay with a credit card for a $3.95 convenience fee. I pay $2000 at a t...
by tbradnc
Sun Apr 17, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Whole house electric surge protector
Replies: 11
Views: 1140

Re: Whole house electric surge protector

We lived on the coast and in addition to hurricanes during summer it was very common to have late afternoon thunderstorms with pretty spectacular lightning so I installed one myself. We've moved since but I'm pretty sure this is the one: http://www.amazon.com/Leviton-51120-1-Panel-Protector-240-Volt...
by tbradnc
Sun Apr 17, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8282

Re: Better than amazon??

Previous thread on Jet... viewtopic.php?t=170001
by tbradnc
Sat Apr 16, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8282

Re: Better than amazon??

American Express had an offer for Jet earlier this year and I used them a few times and was more than pleased. It was all in stock, shipped and arrived promptly and was packaged well. Everything I purchased was cheaper than Amazon, no sales tax, and free shipping. I purchased coffee, paper towels, t...
by tbradnc
Sat Apr 16, 2016 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage pre payment, why?
Replies: 101
Views: 9968

Re: mortgage pre payment, why?

Not having a mortgage is pretty nice. Psychologically I'm debt averse - I hate owing money.
by tbradnc
Fri Apr 15, 2016 3:47 pm
Forum: Investing - Theory, News & General
Topic: If wall street is rigged and corrupt , why invest in it?
Replies: 64
Views: 4320

Re: If wall street is rigged and corrupt , why invest in it?

I think about it more along the lines of socially responsible investing. The system is the system, like it or not.

Where the money ends up has a larger effect on the world.
by tbradnc
Thu Apr 14, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Verizon Wireless
Replies: 45
Views: 3318

Re: Alternatives to Verizon Wireless

We're with Verizon right now but have two lines sharing 3gb data for $80 total with a discount. I'm not finding much savings looking at other options. Our last phone is coming off Verizon contract soon and we'll have 3 lines with the 3gb plan for ~$120ish.. After having gone round-and-round with it...
by tbradnc
Thu Apr 14, 2016 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on HSA?
Replies: 13
Views: 893

Re: Thoughts on HSA?

Can these be used by anyone in family tax free ? Any restriction who or when can use it. Like dependent children or HDHP in a later year for a family member that is currently using a FSA. A child can stay on the parent plan until they're 26 but if the child can't be claimed as a dependent funds fro...
by tbradnc
Thu Apr 14, 2016 6:18 am
Forum: Personal Finance (Not Investing)
Topic: CPA pricing and physical location
Replies: 41
Views: 2270

Re: CPA pricing and physical location

I pay a CPA firm $285 for state and federal tax preparation and filing. As soon as I have all my EOY statements I organize a packet with the information for that year, drop it off at his office and they call me when it's done. I haven't seen the CPA himself in 2 years - I speak with an office assist...
by tbradnc
Thu Apr 14, 2016 6:00 am
Forum: Personal Consumer Issues
Topic: Considering new approach to credit card churning
Replies: 22
Views: 2514

Re: Considering new approach to credit card churning

I will look into Double Cash. I'm not aware of that one. I was thinking of opening Netspend accounts (5% interest on $5K each). Can you really fund Netspend cards with a Double Cash card and get a bonus on the Double Cash card by doing what tbradnc suggests? No, you can't fund a Netspend card with ...
by tbradnc
Wed Apr 13, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Considering new approach to credit card churning
Replies: 22
Views: 2514

Re: Considering new approach to credit card churning

I've got the following Chase cards: Chase Sapphire Preferred Chase Freedom Chase Ink+ Chase SW Premier Personal Chase SW Premier Business Chase IHG Platinum Rewards I'm going to product change the Sapphire to a Freedom Unlimited. I will xfer UR points from the Freedom and Freedom Unlimited to the C...
by tbradnc
Tue Apr 12, 2016 8:42 am
Forum: Investing - Help with Personal Investments
Topic: VWINX a 1-Stop Shop? [Vanguard Wellesley]
Replies: 43
Views: 5947

Re: VWINX a 1-Stop Shop? [Vanguard Wellesley]

A few years ago I helped my mom move from a Waddell & Reed 17 fund kitchen sink portfolio to Vanguard.

We opted for 50% Wellesley and 50% Target Retirement Income. Hands off and she's happy with it.

Edited to add: This is in an IRA.
by tbradnc
Tue Apr 12, 2016 6:15 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

How do you open up more than one Netspend account in one person's name? (It was suggested above that one can have up to 3-4 Netspend accounts with $5000 each, but this is not obvious to me on their website). As enthusiastic as I am about these accounts I've so far limited myself to the Netspend car...
by tbradnc
Mon Apr 11, 2016 2:29 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

There's still a way to avoid the fee. Do more research. And ACH push counts as a DD for Mango. But hey, if you guys don't want to have $40-80k earning ~5% then by all means don't. My point was not that the direct deposit rule was impossible to meet. Rather, I was pointing out that it was a rule cha...
by tbradnc
Sun Apr 10, 2016 5:39 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

Sure, there's a difference. But the end result is the same. These prepaid cards and their associated savings accounts have been around for years, and they stay around because the majority of the users are profitable for the companies. These Netspend 5% and Mango 5+% accounts have been around since ...
by tbradnc
Fri Apr 08, 2016 4:28 am
Forum: Personal Consumer Issues
Topic: How do you use AmEx reward dollars to pay bill?
Replies: 13
Views: 1032

Re: How do you use AmEx reward dollars to pay bill?

With the Blue Cash Preferred there is an option to "Use Reward Dollars" on the upper right side of the screen.

When I select that this is what I see on the next page: http://imgur.com/zyRP7s9
by tbradnc
Fri Apr 08, 2016 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 469
Views: 269117

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

Here's another prepaid with a 5% savings account - https://www.insightcards.com/card-features/.

Writeup here: http://www.doctorofcredit.com/?s=insight. I've got a card on the way.
by tbradnc
Fri Apr 08, 2016 4:08 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 469
Views: 269117

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

I've just started this after reading another thread. After so many accounts, I think Ally limits ACH transfers to 6 per month. With folks who have many accounts, do you use a different bank for ACH push/pulls? I suggest an interest checking account with Ally to get around the 6 xfers per month limi...
by tbradnc
Thu Apr 07, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

I surrender.. :)
by tbradnc
Thu Apr 07, 2016 1:27 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

The big question is WHY would they offer a rate like this. If the solid money center banks and money market funds are paying well under 1%, then by definition that is the market. So WHY would anybody have to / want to pay 5%? In my experience, the underlying reason is that their financial condition...
by tbradnc
Thu Apr 07, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

These inevitable don't last that long, so just be careful to check frequently so you aren't stuck getting 0% for a while in an account you forgot to check. Point taken but it has been some years now and also if you stay tuned into the right blogs and subreddits you'll know within minutes if there i...
by tbradnc
Wed Apr 06, 2016 8:33 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

With NetSpeed, it seems the only option to withdraw your money is by ATM (with fees, on both ends) or request a check (with a single fee, 3-4 weeks). That does not seem like a good idea. No... you transfer money from the savings account back to the card then ACH the money from the card to your link...
by tbradnc
Wed Apr 06, 2016 8:30 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

am wrote:Why not 3 netspends + 2 brinks + 1 mango per person before rewards checking?


I've actually got a Brinks card sitting on my nightstand. It wouldn't activate and the error message asked me to call an 800 number and I just haven't felt like dealing with it.

I guess I should make the time to do it.
by tbradnc
Wed Apr 06, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

"I count 3 netspends, 2 brinks, 1 mango per social security # for a total of 60k for a married couple. Correct me if there is something else?" There is another prepaid debit card company with a savings account at 5.00% APY. Insight Visa® Prepaid Debit Card is issued by Republic Bank of Ch...
by tbradnc
Wed Apr 06, 2016 8:14 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11757

Re: guaranteed 5% vs stocks?

The details of the hoops are painful even to read let alone jump through. I sure hope that your impression is the one most people continue to have. As someone who spent a few months getting 6 of these up and running I'm enjoying earning the 5%. It's fully automated and hands off once things are set...
by tbradnc
Wed Apr 06, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 7576

Re: Chase Freedom Unlimited card 1.5% back + bonus

As of right now a room at the Hyatt Place in Asheville, NC is $202.27 with tax. The same room can be had with 5000 Hyatt points. 5000 Chase UR points = 5000 Hyatt points. They transfer at a 1:1 rate. This quarter the Chase Freedom is paying 5% of spend on groceries, up to $1500. $1000 spend at a gro...
by tbradnc
Mon Apr 04, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 7576

Re: Chase Freedom Unlimited card 1.5% back + bonus

Is there a best bang for the buck re UR points? Wife and I have a bunch i.e. Over 100k+ and we were wondering whether it makes sense to use them for short haul flights or save for an extravagant trip? Also, if I buy a plane ticket through Chase without using the points, do I get more points than go...
by tbradnc
Sun Apr 03, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 7576

Re: Chase Freedom Unlimited card 1.5% back + bonus

I'm not sure I see the (potential) problem here.. I have $100 sitting n Ally. I use a credit card issuer's $100 for 2-3 weeks to buy something I'm going to buy anyway, they pay me some type of incentive (cash, points, or miles) to use their card. Ally pays me 1% on my $100 while I'm using the credit...
by tbradnc
Sun Apr 03, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 7576

Re: Chase Freedom Unlimited card 1.5% back + bonus

As for this new card, other than the sign-up bonus and possibility to transfer UR points, it doesn't really stand out against other 1.5% cards.


The ability to transfer UR points *is* what makes it stand out against other 1.5% cards.
by tbradnc
Sat Apr 02, 2016 7:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Knoxville/East TN chapter Established
Replies: 18
Views: 1358

Re: Knoxville/East TN chapter?

Toons wrote:Tri Cities here :happy :happy


Erwin. (retired here from the NC coast 6 years ago)

:)
by tbradnc
Sat Apr 02, 2016 6:33 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 14
Views: 1617

Re: Cordcutters - Playstation Vue

How are you all handling the internet connection issue? I've thought about using Vue (I've always owned a Playsation as my game console of choice) but am wondering how much I would end up saving considering how much stand alone internet service costs from Xfinity or Verizon. We get our internet fro...
by tbradnc
Sat Apr 02, 2016 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Unlimited card 1.5% back + bonus
Replies: 85
Views: 7576

Re: Chase Freedom Unlimited card 1.5% back + bonus

The real value of the Freedom and new Freedom Unlimited is for Ultimate Rewards points. The problem is that to transfer points to other programs you need the Sapphire Preferred or Ink+. You can transfer UR points from the Freedom and Freedom Unlimited to the Sapphire Preferred or Ink+. Example: Say ...
by tbradnc
Fri Apr 01, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 14
Views: 1617

Re: Cordcutters - Playstation Vue

I really want to try this out but that's a pretty big con. I have neither - so I will either need to get a Playstation or Amazon Fire/Stick just to get it to work? Still, if this works the $40 for an amazon fire stick is just a one time cost. Still have to convince DW, but I will probably pull the ...
by tbradnc
Fri Apr 01, 2016 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Best risk free return on emergency fund
Replies: 20
Views: 2975

Re: Best risk free return on emergency fund

Netspend posted interest yesterday.

Each Netspend card earned $61.03 for the quarter. Total interest collected on the 6 cards was $366.18 on $30,000.
by tbradnc
Fri Apr 01, 2016 6:37 am
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 14
Views: 1617

Re: Cordcutters - Playstation Vue

You can run 5 streams at once. You're limited to running Vue from your "home IP address" meaning you can't go to someone's house or stream using your login credentials from a hotel room. However, you can login to most streaming sites using your Vue login. For example, you can't watch AMC v...

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