Search found 1109 matches

by tbradnc
Tue Feb 09, 2016 8:46 am
Forum: Personal Consumer Issues
Topic: Nest Thermostat: Worth it
Replies: 19
Views: 2140

Re: Nest Thermostat: Worth it

My thoughts about the Nest from a year ago: viewtopic.php?t=129619
by tbradnc
Tue Feb 09, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: How to deal with dentist phobia
Replies: 25
Views: 1961

Re: How to deal with dentist phobia

I would suggest learning some mindfulness techniques. About a decade ago I developed a daily mindfulness meditation practice and it has really changed the way I relate to uncomfortable situations (and comfortable ones too for that matter). Heck.. a 5 second google search turned this up, specific to ...
by tbradnc
Sun Feb 07, 2016 9:07 am
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 60
Views: 3317

Re: Impact of Obamacare on investment decisions

We live in a state that didn't expand Medicaid and our post-retirement income isn't high enough to qualify for a subsidy. Therefore, I do Roth conversions to increase our MAGI enough to qualify for one. What makes it a bit difficult is that I have to guesstimate our income for the coming year to get...
by tbradnc
Sat Feb 06, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 44
Views: 4245

Re: Warning on Amazon Subscribe & Save

Interesting thread. I recently signed up for Amazon Subscribe & Save and after the first month found that the prices on most of the items shot up significantly. Most notably almost $10 on a bag of dog food. I ended up cancelling several items. Time to investigate chewy.com. +1 on Chewy. We've b...
by tbradnc
Sat Feb 06, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Warning on Amazon Subscribe & Save
Replies: 44
Views: 4245

Re: Warning on Amazon Subscribe & Save

I cancelled all of my subscriptions over a year ago for this very reason.
by tbradnc
Tue Feb 02, 2016 9:39 pm
Forum: Personal Consumer Issues
Topic: Looking for a Free VPN Program for Mac
Replies: 7
Views: 759

Re: Looking for a Free VPN Program for Mac

By a week's pass for Cloak.. https://www.getcloak.com/plans-pricing/

Great VPN for Apple products.

Edit: Actually you get a fully operational 30 day free trial with no credit card required.
by tbradnc
Mon Jan 25, 2016 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Cheapeast Card With Primary Rental Car Coverage
Replies: 9
Views: 856

Re: Cheapeast Card With Primary Rental Car Coverage

Chase Sapphire Preferred has primary coverage with $95 annual fee (waived first year). It has a pretty good signup bonus of 50k UR points + 5k UR points when you add an AU who makes a charge.
by tbradnc
Tue Jan 12, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal 2.5% 30 month CD - $5k min
Replies: 2
Views: 806

Navy Federal 2.5% 30 month CD - $5k min

Just a heads up to let you know Navy Federal is offering a 30 month, 2.5% share certificate.

https://www.navyfederal.org/products-se ... 30/2015|||
by tbradnc
Sat Jan 02, 2016 5:31 pm
Forum: Personal Consumer Issues
Topic: profitable hobby?
Replies: 118
Views: 10212

Re: profitable hobby?

Back in the day I was big into BBSing - had a pretty large multiline BBS. I got into building and selling computers to fund upgrades and new computer hardware. Eventually I quit my day job and 22 years later sold the same company, retired at 54 and am a Flagship client. :)
by tbradnc
Sat Jan 02, 2016 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

There are several Netspend cards, and I don't know which one to get. Any advice on choosing between the different Netspend cards would be greatly appreciated. http://www.netspend.com is the best of the Netspend card sites IMO. I have a Brinks card and it bombed when I tried to activate it and I hav...
by tbradnc
Sat Jan 02, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

I haven't started playing this game yet, but have some cash looking for a better home than a 1% savings account, so maybe will look into the NetSpend thing. Having not read through the entire thread, but just the last page or so, I'm getting the impression that NetSpend currently is preferable to M...
by tbradnc
Thu Dec 31, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Dan Wiener renewal?
Replies: 12
Views: 1323

Re: Dan Wiener renewal?

I subscribed several years ago..and quit a few reasons.. 1. I could see no clear path to fitting any of his suggested portfolios into the available space I had at the time for taxable and tax deferred accounts. 2. It would have been costly to realize capital gains I'd get selling the funds I held in...
by tbradnc
Wed Dec 30, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators to change custodians (currently HSA Bank)
Replies: 18
Views: 3981

Re: HSA Administrators to change custodians (currently HSA Bank)

Did anyone else get charged the $45 annual fee and had it withdrawn from their HSA account? I thought from Snakebit12's response that the fee will be waived. HSA Administrators sold off some of my shares to cover the fee. I was trying to login to see but their website appears to be down.... 1:45 PM...
by tbradnc
Tue Dec 29, 2015 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed fees
Replies: 17
Views: 1209

Re: PenFed fees

I think there must be more to the story here. I have money pulled from a PenFed account, initiated at the receiving institution, all the time. Have done for years. There has never been a fee of any kind. There's no more to the story. The problem is that I wasn't aware of the outgoing ACH fee and ov...
by tbradnc
Tue Dec 29, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Funeral costs
Replies: 76
Views: 9093

Re: Funeral costs

Didn't read the entire thread but both of my inlaws had taken care of their funeral arrangements prior to passing and the consensus is that it was really a good thing because no decisions had to be made - it was all taken care of. Everything went off without a hitch both times and there were no gotc...
by tbradnc
Tue Dec 29, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed fees
Replies: 17
Views: 1209

Re: PenFed fees

OP, many thanks for the PenFed fee and limits alert. I have three CDs maturing next week. Based on your saga, I'm rethinking my strategy for getting my money out (and sent to Northwest FCU 3% add-on CD). Hope springs eternal: perhaps we'll get PenFed January CD special rate, like the good ole days....
by tbradnc
Tue Dec 29, 2015 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed fees
Replies: 17
Views: 1209

Re: PenFed fees

Do you have a checking account at PenFed as well, or just a share (regular savings) account in addition to the certificates (CDs)? I do not know the details of the various PenFed accounts and fees, but I suspect that the fees you describe may be higher, in some cases at least, if you just use the s...
by tbradnc
Tue Dec 29, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

Anyone else get the email from NetSpend regarding changes to the DD requirements? From what I read from the PDF on my phone, it seems folks who are already on some "fee plan" wouldn't have to bother with increasing/changing their DD requirements. At the time, I took that to mean I'm inclu...
by tbradnc
Tue Dec 29, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed fees
Replies: 17
Views: 1209

Re: PenFed fees

Momma always told me not to skim it. It is a good idea to leave a little dough in the accounts. I get that but it's just math. As Jethro would say, "Naught plus naught equals double naught." I suppose it's my fault for not checking the fee schedule to see if ACH pulls had a charge but I'v...
by tbradnc
Tue Dec 29, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: Several electrical outlets don't work
Replies: 50
Views: 1851

Re: Several electrical outlets don't work

Also flip and reset the GFI outlets. It's possible one of them tripped and you can't tell.
by tbradnc
Tue Dec 29, 2015 11:11 am
Forum: Personal Finance (Not Investing)
Topic: PenFed fees
Replies: 17
Views: 1209

PenFed fees

Last week I had a certificate mature at PenFed. The proceeds were deposited into my share account and because PenFed will only allow $5k a day to be ACHed out I initiated a pull from Ally for the full amount. Fast forward 5 days and the transfer fails because unbeknownst to me PenFed charges a $10 f...
by tbradnc
Tue Dec 29, 2015 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

I just finished getting $5k in a Mango savings account on Christmas Eve. I was propped up in bed, drinking my first cup of coffee and my phone rang. The caller identified as "from Mango wanting to verify some information" and without pausing asked for my DOB. I hesitated but gave it to him...
by tbradnc
Thu Dec 17, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

Well.. finally got account #6 (3 for me, 3 for wife) with Netspend funded and received an email from Brinks that my next card is on the way. $30,000 earning 5% isn't bad... better than needing $150,000 in Ally to do the same. Can anyone confirm for sure-for sure that money can be pulled back via ACH...
by tbradnc
Wed Dec 16, 2015 9:36 am
Forum: Personal Finance (Not Investing)
Topic: AMEX Small Business Saturday - no statement credit this year. (Current AMEX offers)
Replies: 45
Views: 4956

Re: AMEX Small Business Saturday - no statement credit this year. (Current AMEX offers)

New offer... $10 off $10 at Hulu.com. Good through April 30, 2016. Have it on enough cards to cover the length of the offer We were using the $7.99 tier.. Our service billed this week so I added this offer to one of our cards and changed us to the commercial free $11.99 monthly tier and changed the ...
by tbradnc
Wed Dec 16, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: My credit score is 808
Replies: 37
Views: 4716

Re: My credit score is 808

While I can compete with the 800 club, I would much rather have a poor credit score and $3M saved! Anyone want to trade? Yeah, it's no indication of wealth, just the ability to pay debt. My score is 833 and I'm pretty sure I'm the poorest person here. Would trade points for cash any day. I would ag...
by tbradnc
Tue Dec 15, 2015 3:54 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7120

Re: Jet.com

I'm 2 for 2 and have 3 more "$20 off $50" Amex offers and I'll definitely use them.

I buy things like paper towels, toilet paper, coffee, etc. that are priced more or less the same they'd cost locally - nothing exotic.

$20 off $50 and avoiding a 10% sales tax is 50% off.
by tbradnc
Tue Dec 15, 2015 2:44 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7120

Re: Jet.com

My $50 box of stuff I paid $30 for arrived, on time, as promised with nothing missing. Packaging was good. Free shipping, and unlike Amazon - no sales tax which in TN with a punishing 10% sales tax is a big deal. I will agree that Jet isn't Amazon - that would be a pretty hard trick to pull off - bu...
by tbradnc
Tue Dec 15, 2015 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: My credit score is 808
Replies: 37
Views: 4716

Re: My credit score is 808

This is one of those "I'm 10 years old and have 3 million saved.. am I doing ok?" questions. :)

You have an 808 FICO score... you don't need to double-check it...
by tbradnc
Tue Dec 15, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to still pay yourself after selling the company?
Replies: 10
Views: 714

Re: Does it make sense to still pay yourself after selling the company?

When I sold my business I stayed on with the new owners at my then-current salary w/ benefits for 90 days. After I was cut loose I can't imagine that I could take proceeds from the sale of the business to pay myself a salary.

I'd vote "no" to this one.
by tbradnc
Mon Dec 14, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Online Savings
Replies: 46
Views: 3835

Re: Capital One Online Savings

I didn't read the entire thread but one big turn off for me is that Capital One only allows 3 linked external accounts. I think I've got around 10 or so with Ally.

p.s. American Express also limits you to 3.
by tbradnc
Mon Dec 14, 2015 11:00 am
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7120

Re: Jet.com

I don't care how bad the site is or about reviews. I ordered $50 worth of "stuff" we use every day, immediately got a $20 credit notification from Amex, and have a tracking number for all of my stuff to be delivered tomorrow.

What's the problem?
by tbradnc
Mon Dec 14, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

Thanks for the tip. I just ordered a Mango card and will check out Brinks. I really-really like the hands off simplicity of the Netspend product and am hoping Mango is as easy. I hate hoops. :) Edited to add: Just had a look at Brinks - I'll definitely jump on 4 of those and push Mango to the back o...
by tbradnc
Mon Dec 14, 2015 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

I'm waiting on my 6th Netspend card so I can activate it and move another $5k to Metabank Let us know how it goes, this would be only the second successful report of 6 Netspend accounts that I know of. Sorry, to be more clear - 3 for me, 3 for spouse and that's a far as I'm going to push it with Ne...
by tbradnc
Mon Dec 14, 2015 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 438
Views: 259860

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

I'm waiting on my 6th Netspend card so I can activate it and move another $5k to Metabank and then I'll be looking at Mango for a 7th account. What are the primary differences between Mango and Netspend? Here's what I know for sure: 1. Mango has a non-waivable $3 monthly fee. 2. Mango pays 6% credit...
by tbradnc
Fri Dec 11, 2015 5:53 pm
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7120

Re: Jet.com

I've used Jet once to stock up on paper towels and toilet paper and it was all sitting on my front porch 2 days after submitting the order.

5 of our Amexs have the $20 off $50 offer - I'll definitely take them up on it.
by tbradnc
Fri Dec 11, 2015 8:24 am
Forum: Personal Consumer Issues
Topic: Quick Chromecast question
Replies: 8
Views: 999

Quick Chromecast question

Oops: Please move to the proper subforum. Sorry for putting this in the Personal Finance section. We have a Roku 3, Apple TV, and a Chromecast. I am "doing it right" with the Chromecast by sending video from my Macbook to the Chromecast aren't I? Assuming that's true, which I'm reasonably...
by tbradnc
Fri Dec 11, 2015 7:57 am
Forum: Personal Consumer Issues
Topic: Jet.com
Replies: 56
Views: 7120

Re: Jet.com

Old thread but there is an Amex offer this morning for $20 off $50 at Jet.com.
by tbradnc
Fri Dec 04, 2015 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon-Wireless Points - best use?
Replies: 15
Views: 2196

Re: Verizon-Wireless Points - best use?

Thanks everyone for all the feedback. At some point when I have open time perhaps I'll try an auction for a gift card (I'll just through all my $170K points at one $25 gift card and be done with it). Let me know if you win anything. Search around and you'll find that there are very few reports of p...
by tbradnc
Fri Dec 04, 2015 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card
Replies: 20
Views: 1899

Re: Penfed 5% gas cash back card

I've also had the PenFed card since back in the day when it was 5% gas and 1% on everything else and it's still our main gas card. Great card and they've held the 5% statement credit on gas despite gutting everything else for years. We buy gas at Shell and BP frequently and both have free rewards pr...
by tbradnc
Mon Nov 30, 2015 8:48 am
Forum: Personal Finance (Not Investing)
Topic: AMEX Small Business Saturday - no statement credit this year. (Current AMEX offers)
Replies: 45
Views: 4956

Re: AMEX Small Business Saturday - no statement credit this year. (Current AMEX offers)

Just a heads up - there is a $15 statement credit for a purchase of $35 at walmart.com. It can not be used in store. The offer was on 2 of our 5 cards.

I just ordered 2 bags of dog food which, with tax, just went over $35 and chose the "pickup at store" option.
by tbradnc
Sun Nov 29, 2015 10:30 pm
Forum: Personal Consumer Issues
Topic: Iphone 6S case
Replies: 21
Views: 1786

Re: Iphone 6S case

If you need protection from the elements I can highly recommend LifeProof cases.
by tbradnc
Sat Nov 28, 2015 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1214

Re: HSA Administrators

Or the FIA website for the Fidelity Amex....
by tbradnc
Thu Nov 26, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Administrators
Replies: 11
Views: 1214

Re: HSA Administrators

This is the recommended HSA vendor on Vanguard's website. Our company is considering a move to them. I am seeking feedback on HSA Administrators from BOTH the perspective of the individual account holder, and the employer side. How is their customer service? Is it easy to reach a representative? Do...
by tbradnc
Thu Nov 26, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Christine Benz of Morningstar on RMDs
Replies: 37
Views: 4543

Re: Christine Benz of Morningstar on RMDs

Boo-hoo, first world problems. Lately, I find Morningstar is just regurgitating the same ole, same ole. Rinse and repeat. They are over-rated. Although the problem will be real to us, I agree that it is indeed a first world problem. (Then again, very few of the discussions on this forum avoid, at a...
by tbradnc
Mon Nov 23, 2015 9:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Thanksgiving Performance Metrics
Replies: 9
Views: 1616

Re: Thanksgiving Performance Metrics

I'll stick with the usual cost/benefit analysis of whether or not to invite my cousin Larry....
by tbradnc
Wed Nov 18, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is the point of a Flagship Representative?
Replies: 69
Views: 7830

Re: What is the point of a Flagship Representative?

Has anyone gotten a random call in the past few days "just checking in"? My Flagship rep called out of the blue last Friday.
by tbradnc
Wed Nov 18, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: US Alliance 2.25 CD / Northwest CU 3% CD...
Replies: 1
Views: 446

US Alliance 2.25 CD / Northwest CU 3% CD...

Wanted to pass along a little move you can make with your US Alliance 2.25% certificate if you also have a Northwest CD 3% addon CD. US Alliance also has a "My Savings" account that pays 3% up to $500. You can have the interest from the 2.25% CD deposited monthly into a "My Savings&qu...
by tbradnc
Wed Nov 18, 2015 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Christian CU Certificates %5.00 12-Months
Replies: 30
Views: 5491

Re: Christian CU Certificates %5.00 12-Months

Was talking with a friend about this CD tonight and he suggested that the reason CCU uses ASI is because NCUA coverage is federal and as CCU requires has specific religious requirements for membership they may not have been able to get NCUA coverage.
by tbradnc
Wed Nov 18, 2015 8:35 am
Forum: Personal Consumer Issues
Topic: Beacon Theater in NYC
Replies: 2
Views: 270

Re: Beacon Theater in NYC

JMacDonald wrote:I just read this that a second date has been added:

http://www.brooklynvegan.com/archives/2 ... han_2.html


I saw that too.

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