Search found 242 matches

by nalor511
Thu Oct 11, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3105

Re: Budget Coffee

I like the Bustelo espresso ground coffee that comes in 10oz vacuum-sealed bricks preground for espresso, and it's only about $2.88-3.50 per brick, depending where you buy it. That's as low as $4.60/lb, can't beat that, and the quality is really good (IMO). I use it for drip, but I've done espresso ...
by nalor511
Wed Oct 10, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 792

Re: Project FI promotion

FI base prices are too high , you can do better elsewhere , buying unlocked and skipping that "credit" Project Fi phones are unlocked to begin with, so that's a non issue if you decide to go elsewhere. I use less than 2 GB of cellular data most months so I'm good with Fi. Their seamless internation...
by nalor511
Wed Oct 10, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Project FI promotion
Replies: 9
Views: 792

Re: Project FI promotion

FI base prices are too high , you can do better elsewhere , buying unlocked and skipping that "credit"
by nalor511
Mon Oct 08, 2018 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: NFCU and PenFed CU offering 24-mo CDs at 3% APY
Replies: 4
Views: 788

Re: NFCU and PenFed CU offering 24-mo CDs at 3% APY

BruinBones wrote:
Mon Oct 08, 2018 8:24 pm
Rise in interest rates have kicked in new higher CD rates at these two well-established institutions. 2.96% dividend rate. 10k minimum.
Do you have a link to the 3% rate?
by nalor511
Mon Oct 08, 2018 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund
Replies: 21
Views: 2837

Re: Switch to Ally or just Keep more in Vanguard Federal Money Market Fund

VG MM fund is easy, good enough return, and safe enough. I didn't like dealing with Ally.
by nalor511
Mon Oct 08, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6109

Re: Poll: BHs who rent - what % of gross do you spend on rent?

VHCOL, even with rent control it's 35%, but was a much lower % while working, more like 8%
by nalor511
Fri Oct 05, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Sellers remorse - selling business
Replies: 44
Views: 4712

Re: Sellers remorse - selling business

Just do it, happy wife, happy life.
by nalor511
Fri Oct 05, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8935

Re: 20 countries where 200K in retirement savings will last you decades

Can someone who went through the slides/ads just post the list? Cheers :happy
by nalor511
Fri Oct 05, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Senate FCU 60 month CD - 3.63%
Replies: 17
Views: 2175

Re: Senate FCU 60 month CD - 3.63%

Hey Kevin, do you have a link to a good Treasury tutorial? I've avoided them thus far, not knowing much about them, common gotchas, etc. Thanks!
by nalor511
Thu Oct 04, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5455

Re: Landlord wants to raise rent, but is asking if he can?

Landlord who don't take the 2.5% can usually 'bank' it to raise later. E.g. don't raise the rent for 3 years, then raise it 7.5% all at once. Of course, depends on the law in your jurisdiction, but every time I've read one, it's included the option to bank increases not taken each year. Doubtful he'...
by nalor511
Fri Sep 28, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2441

Re: Invisalign and Dentist pricing

I've been using SDC for 18 months or so now, and it's worth the price if your case is not too complex. Again, ONLY if you have a smile shop near you to do the 3d scan in person (which is free, BTW). Do not recommend mail impressions. Cheers
by nalor511
Tue Sep 25, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Invisalign and Dentist pricing
Replies: 19
Views: 2441

Re: Invisalign and Dentist pricing

I think $1700, smiledirectclub.com , but I would only consider this if they have a Smile Shop near you where you can get the free 3d scan instead of doing mail-order impressions
by nalor511
Mon Sep 24, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1816

Re: Electric Shaver/Beard Trimmer

It's fine that the razor you have now is not a trimmer, but LiveSoft's point is (I think) that you can get something cheaper than what you're using now (even cheaper than the cost to repair what you're using now) that will still do the job, IF what you need it for is trimming. Or if what you need it...
by nalor511
Sat Sep 15, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3868

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

Not cleaning is really gross, and there are probably all sorts of critters living in your carpet, you may want to rethink that stance. With hardwood, all that stuff will be very visible. Buy a cheap vacuum and use it once a week.
by nalor511
Sat Sep 15, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2478

Re: Rain Jacket recommendations and care

North Face has a lifetime warranty and Will repair or replace your jacket. https://www.thenorthface.com/help/warranty.html We had two jackets that were delaminating (the layers separated and started peeling off), which were replaced with no questions asked. Another one the zipper failed after 6 mont...
by nalor511
Fri Sep 14, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Andrews Fed Credit Union CD opened 2/17 for 3% for 7yrs
Replies: 4
Views: 535

Re: Andrews Fed Credit Union CD opened 2/17 for 3% for 7yrs

Why would you guarantee yourself a lower rate for the next 2 years. I am not understanding what you are doing. Hi hoping for rising rates and if I can get almost 3% now for the next 2 years, and then get a higher rate the following 2 years. Or get 4.25% for 5 yrs. at Achieva Credit Union now and ta...
by nalor511
Thu Sep 13, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP
Replies: 6
Views: 1042

Re: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP

To anyone thinking about this, there was a 4% offer a few months back with only a 1yr ewp. There will probably be another.
by nalor511
Wed Sep 12, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP
Replies: 6
Views: 1042

Re: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP

I'd be curious to hear if anyone does it, how smooth/quick the process goes.
by nalor511
Wed Sep 12, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP
Replies: 6
Views: 1042

Re: 4% 60 month at Fahey Bank - nationwide BUT heavy EWP

Rob5TCP wrote:
Wed Sep 12, 2018 2:18 pm
But ALL interest is forfeited if early withdrawal.
That's a pretty awful EWP, and scares me away for sure. I'd rather make not quite so much, and have the flexibility of not stabbing myself in the foot if I need an early withdrawal.
by nalor511
Sat Sep 08, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Question about Amazon exchanges
Replies: 5
Views: 595

Re: Question about Amazon exchanges

They have a chat feature on their website (you have to dig for it under help/contact-us), and if you're logged in, they should be able to tell you exactly what will happen for your item and payment type.
by nalor511
Sat Sep 08, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8504

Re: Can Sneakers go with Business Casual?

The ones you posted don't even look like you're trying. But if you get something that actually looks like you're trying to blend in with a business environment, but still be comfortable, I think it'd be fine. If you can't tell from across the room that it's a sneaker, i.e. it doesn't look obvious, t...
by nalor511
Sat Sep 01, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: $200 cash bonus offer from Citi
Replies: 57
Views: 5195

Re: $200 cash bonus offer from Citi

I don't know about your specific offer, but these seem to usually require direct deposit, which (in addition to the taxes things) is too much trouble for my taste
by nalor511
Sat Aug 25, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3120

Re: Is it worth chasing down this $10 fee?

I always fight that kind of thing. I would start with my CC company. It's not likely that they will laugh, but they might be able to explain how it came to be. If the charge actually originated there, they'd likely waive under then circumstances. CC companies will almost always refund a fee the fir...
by nalor511
Thu Aug 16, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 12
Views: 1371

Re: Return Protection: Citi Doublecash

Just so you know, return protection is not the same as a dispute. You actually have to tell the rep you want to file a Return Protection claim, and it's a separate process that gets approved by a separate department (it's not a dispute, it's a return protection claim). It's the same with Warranty Ex...
by nalor511
Mon Aug 13, 2018 5:38 am
Forum: Investing - Theory, News & General
Topic: Freedom Credit Union 30 Month 3.56%APY CD (Closed))
Replies: 15
Views: 1822

Re: Freedom Credit Union 30 Month 3.56%APY CD

Looks like 6 month early withdrawal penalty? Early Withdrawal Penalty. We may impose a penalty if you withdraw any of your principal before the maturity date. The amount of the penalty will not exceed dividends earned through the date of withdrawal. Amount of Penalty Term Penalty 6 months 90 days of...
by nalor511
Sat Aug 11, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6020

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

I wonder why they don't allow this rate outside IRA (i.e. taxable account) Because it isn't a part of their business/marketing strategy. A better question might be how come a regional Credit Union can offer the highest rates on 5 year IRA CD's in the nation. I personally don't have any questions ab...
by nalor511
Sat Aug 11, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: Achieva offers 4.2% 5 year IRA CD for $75k or >
Replies: 32
Views: 6020

Re: Achieva offers 4.2% 5 year IRA CD for $75k or >

I wonder why they don't allow this rate outside IRA (i.e. taxable account)
by nalor511
Sat Aug 04, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1286

Re: Google Voice went Poof

Unfortunately, your number is locked away in purgatory. Well, it *shouldn't* be locked away. E.g. https://support.t-mobile.com/thread/140321 Now, if you're locked out of Google, you may need to get customer support to do some of the steps for you. But legally they can't hold onto your number even i...
by nalor511
Sat Aug 04, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: Anti-reflective coating on lenses for glasses
Replies: 9
Views: 758

Re: Anti-reflective coating on lenses for glasses

All the things you describe are normal and will lessen with more time wearing the glasses. You could always go somewhere like eyebuydirect.com (they have better warranties than zennioptical.com, glassesshop.com, or goggles4u.com) and get a clear (without AR) pair for around $10 shipped, that you can...
by nalor511
Sat Aug 04, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Google Voice went Poof
Replies: 7
Views: 1286

Re: Google Voice went Poof

Wow, that's really scary. You should still be able to port your GV number out to some other service, like Line, or at least to a prepaid cell phone, so that you can keep using the same number. They can stop serving you, but they can't take away your legal right to take your number with you
by nalor511
Sat Aug 04, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Anti-reflective coating on lenses for glasses
Replies: 9
Views: 758

Re: Anti-reflective coating on lenses for glasses

It's normal, but the difference should be ever so slight, and if you've had lenses without AR in the past, you should really appreciate the lack of reflections :)
by nalor511
Thu Aug 02, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Bottom of the MAGI bucket - Interest vs dividends
Replies: 10
Views: 731

Re: Bottom of the MAGI bucket - Interest vs dividends

Salary, bank interest, then dividends at the bottom up
by nalor511
Wed Jul 25, 2018 6:21 am
Forum: Personal Finance (Not Investing)
Topic: HSA HDHP coverage question
Replies: 18
Views: 1214

Re: HSA HDHP coverage question

TwstdSista wrote:
Tue Jul 24, 2018 2:36 pm
I think it's possible -- I have an HMO HSA policy as well. And so far this year I've had a free eye exam, free physical and a $50 colonoscopy.
Free eye exam, how? Mine doesn't have that. Doesn't seem to be on the required list https://www.healthcare.gov/preventive-care-adults/
by nalor511
Mon Jul 16, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10455

Re: Amazon Prime Day 2018

Pretty garbage Prime day this year, IMO, unless you want Amazon tablets
by nalor511
Sun Jul 15, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: 3% APY 14 month CD (New England States Only)
Replies: 6
Views: 986

Re: 3% APY 14 month CD (New England States Only)

Available only to residents of MA, RI, CT, NH, VT, ME.

I guess it's one of those, if you have to ask, it's not you, situations ☺️
by nalor511
Sat Jul 14, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: CIT Bank Current 1-YR CD Rate 2.5%
Replies: 15
Views: 3219

Re: CIT Bank Current 1-YR CD Rate 2.5%

I actually like the 2-factor security. It's required on transactions above a certain dollar amount. It's a pretty easy way to make it more secure, IMO. They do hold funds for a few days, but it's never been a problem for us as we use the account. They've held funds way longer than other banks, for ...
by nalor511
Fri Jul 13, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: CIT Bank offering 1 yr CD with 2.50% APY
Replies: 3
Views: 719

Re: CIT Bank offering 1 yr CD with 2.50% APY

Andrews has 9mo 2.75% . CIT holds all pulled funds for 7+days.

https://slickdeals.net/f/11773155-andre ... cd-special
by nalor511
Sun Jul 08, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: CIT Bank Current 1-YR CD Rate 2.5%
Replies: 15
Views: 3219

Re: CIT Bank Current 1-YR CD Rate 2.5%

I have used CIT for several years with no problems. Their rates have been moving up slowly, along with many others, I'm sure. They don't have the best rates. Don't do the transfers from the CIT end, because they hold funds for 7 days. They require a 2-factor code for every single interaction with t...
by nalor511
Tue Jun 19, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Northern Bank Direct MM - 2.26% APY (offer ended 6/20/18)
Replies: 22
Views: 3160

Re: Northern Bank Direct MM - 2.26% APY

indexfundfan wrote:
Tue Jun 19, 2018 9:57 pm
Interestingly, NBD is stopping the promotional rate of 2.26% for new accounts starting from 9am on Wed 6/20. Just saw this on their homepage.
Yikes. Funky process, ACH fees, closing fees, doesn't seem like a great bank.
by nalor511
Tue May 29, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Any Mini Cooper owners care to comment on the reliability of the 2014 and up model year?
Replies: 4
Views: 688

Re: Any Mini Cooper owner car to comment on the reliability of the 2014 and up model year?

I haven't owned one, but I've driven rented ones lots, most of the models and most of the years (and often the same car over and over). They're heavy and solid on the road, and they seem to be built to BMW's tight tolerances, I expect that smallish things will go wrong fairly frequently (as they do ...
by nalor511
Sun Apr 29, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: CIT 1.55% Premier High Yield vs 1.75 % Money market
Replies: 22
Views: 3203

Re: CIT 1.55% Premier High Yield vs 1.75 % Money market

Changing the product name let's them save money by keeping rates lower for customers that don't pay attention. Sounds like typical bank policy to me. I don't know why you guys are expecting any different. Open the new account and transfer funds. If they don't raise your rate to what you want and you...
by nalor511
Mon Apr 02, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: New laptop purchase decision
Replies: 36
Views: 3380

Re: New laptop purchase decision

I like refurbished Dell Latitude 7000 models from the outlet with come with the 3yr warranty standard, then if you use a Citi card (e.g. Citi Double Cash MC) you'll get another 2 years on top of that (5yr warranty for free). Under $700, or about $750 if you want a couple upgrades built in. http://ou...
by nalor511
Sun Apr 01, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3825

Re: Online Savings Account Reservations???

CIT has 1.75% on the money market and 1.85% on the no penalty CD, so if you're in the 1.5% Savings you might want to move it over to the new account types
by nalor511
Sat Mar 31, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1562

Re: 18 mo. CD 2.53%

BusterMcTaco wrote:
Sat Mar 31, 2018 3:54 pm
Looks like 360 day penalty to me, FWIW.

Also, it's callable.
You're totally right, my reading comprehension has failed me.
by nalor511
Sat Mar 31, 2018 3:22 pm
Forum: Investing - Theory, News & General
Topic: 18 mo. CD 2.53%
Replies: 4
Views: 1562

Re: 18 mo. CD 2.53%

12mo early withdrawal penalty on the 18mo CD. And as Buster pointed out below, it's callable by the CU Fee schedule https://cdn2.hubspot.net/hubfs/616968/17-0186-OPS%20Fee%20Schedule%20Updates%20-%20July.pdf?t=1522442334485 Rates https://www.usalliance.org/about-us/rates/savings-rates#certificate-ac...