Search found 66 matches

by Cruiser
Wed Sep 25, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11872

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

BashDash wrote:
Wed Sep 25, 2019 7:19 pm
Does mint mobile have visual voicemail?
Yes.
by Cruiser
Wed Sep 25, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11872

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

Look at mintmobile.com Each 3GB line is $15 per month TOTAL prepaid. Each 8GB line is $20 per month TOTAL prepaid. My wife and I have used it for around 9 months now and have had zero problems. (Mint use T-Mobile towers.) I ported both our phones (phones have to be unlocked) over myself in less tha...
by Cruiser
Sat Sep 21, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 95
Views: 11872

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I switched from T-Mobile to Mint Mobile and cut my bill from $70 to $25 with the same coverage. Sure, there are some downsides (no roaming to AT&T, no international data), but those attribute to about 0.5% of my time using my cell phone, so I can deal with it.
by Cruiser
Tue Sep 10, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: New CenturyLink service: hard credit inquiry required? Not informed about it.
Replies: 1
Views: 402

New CenturyLink service: hard credit inquiry required? Not informed about it.

I'm looking to switch from Comcast at $45/month for 60mbps (requires yearly haggling with Comcast to get back on a promo, resulting signing a contract) to CenturyLink Fiber at $65/month (for life) for 1gig speeds. Was on the phone with CenturyLink on the commute home and they mentioned wanting to lo...
by Cruiser
Fri Sep 06, 2019 12:05 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile Questions
Replies: 13
Views: 1397

Re: Xfinity Mobile Questions

I was on Xfinity Mobile (i.e. Verizon coverage) for almost a year, then finally woke up and realized how slow their speeds were (primarily at work, where I'd get no more than 1mbps down). I really never got great speeds on Verizon; they're more known for their great coverage. I switched to T-Mobile ...
by Cruiser
Fri Aug 30, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Which Weber charcoal grill?
Replies: 16
Views: 1011

Re: Which Weber charcoal grill?

Some kind of table is a must. I would not get the one without the table unless the grill will be right next to some other table. any idea if Weber makes an aftermarket table attachment which i could pair with the cheaper, table-less version? A couple options. I could've swore Weber made an official...
by Cruiser
Wed Aug 28, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: In-service transfer from 401k to self-directed IRA?
Replies: 3
Views: 287

In-service transfer from 401k to self-directed IRA?

How popular are in-service transfers from 401ks to self-directed IRAs? My employer offers a Roth 401k option. Approximately 1/3 of the balance is in the Roth portion, while the other 2/3 is my employer's match in the Traditional portion (they match 2:1). I would love to transfer some or all of those...
by Cruiser
Tue Aug 27, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2999

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Cruiser, I assume when you write "Underinsured Motorists," you are referring to Uninsured and Underinsured Motorists sold together but labeled as UIM. In many states, they are sold together but in some states they are sold separately. You are correct. And in response to the other posts about underi...
by Cruiser
Mon Aug 26, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2999

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

As Scrabbler said, I would think twice before dropping comprehensive. I don' t know if it's the same in all states, but comprehensive is fire/theft/glass. Glass is the one that is nice to have. In my case, this is exactly what I do, I have comprehensive, but no collision. I've gotten some very expe...
by Cruiser
Mon Aug 26, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2999

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Thank you for all the helpful feedback, much appreciated. I called my insurance agent today to discuss, and when I brought up my car's value vs. the deductible and what the insurance would value my car at, they were less than helpful [as expected]. Here are the changes I am likely going to make: Inc...
by Cruiser
Sun Aug 25, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2999

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Thanks for the comments thus far. A couple additional details: Net worth is approximately 175k. Early 30s in age, making low 70k salary. Single, no dependents. Would an umbrella policy still be recommended? I feel an umbrella isn't really recommended until the net worth climbs higher. How do the bel...
by Cruiser
Sun Aug 25, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2999

Reviewing auto insurance. Dropping comprehensive and collision. What else?

I have a 2006 Mazda 3 hatchback with approximately 175k miles on it. KBB value is anywhere from $500 (low-end of dealer quote) to a little over $3k (high end of private sale). I keep it well maintained and plan to continue driving it for the foreseeable future; I'd like to hit 5 more years/250k tota...
by Cruiser
Fri Apr 05, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Things to do in Dallas when rainy
Replies: 11
Views: 820

Things to do in Dallas when rainy

I am flying out to Dallas today for part vacation/part work. I was hoping to golf Saturday-Monday, but Saturday looks like it may be out of the question. Forecasts have ranged from an inch to two inches of rain and thunderstorms. Trying to get a list of things to do during inclement weather in Dalla...
by Cruiser
Tue Oct 09, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 4940

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

For the past 10 years, I have driven a 2006 Mazda 3 hatchback (FWD) on all season tires in a climate that gets approximately 50 inches of snow every winter, with some recent years being upwards of 90-100". I have only been stuck once, and that was due to trying to foolishly clear a 1-2' snow berm ma...
by Cruiser
Tue Oct 09, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 4940

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

For the past 10 years, I have driven a 2006 Mazda 3 hatchback (FWD) on all season tires in a climate that gets approximately 50 inches of snow every winter, with some recent years being upwards of 90-100". I have only been stuck once, and that was due to trying to foolishly clear a 1-2' snow berm ma...
by Cruiser
Fri Feb 16, 2018 11:52 am
Forum: Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2501

Re: How to advise a parent

This morning I was able to get her to send me some pictures of the most recent statement she received for one of her accounts. This is January's month-end statement. https://imgur.com/WaE4qSRa Note the expenses of $128 for month-end January. I presume those fees are charged by Raymond James, since t...
by Cruiser
Wed Feb 14, 2018 8:09 pm
Forum: Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2501

Re: How to advise a parent

Thank you all for the thoughtful responses...truly appreciated. I have read the If You Can article and actually have it saved...just thought that was geared more toward the younger investor, but I am sure there are good bits of information in there that would be applicable to my mother. She is in he...
by Cruiser
Wed Feb 14, 2018 5:10 pm
Forum: Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2501

Re: How to advise a parent

I think what she wants will cost her too much money. What she needs is just a LifeStrategy or TargetRetirement fund and nobody to talk to. The more talking, the more the costs. Talking is not going to make the portfolio magically better. Is your mother up for reading? What she is in right now is co...
by Cruiser
Wed Feb 14, 2018 4:36 pm
Forum: Personal Investments
Topic: How to advise a parent
Replies: 22
Views: 2501

How to advise a parent

My mother has had her meager retirement (shy of six digits, result of a divorce and other circumstances) bounced from advisor to advisor at a financial services firm (Raymond James). Most recently, she felt she was misled about being handed off to an advisor with under two years of experience. Raymo...
by Cruiser
Sat Jan 20, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: Golf courses on the Big Island
Replies: 1
Views: 266

Golf courses on the Big Island

I am headed Hawaii this next week and will be looking to hit a couple courses. We'll be staying in Kona. I have found a special to play both the Beach course and Kings course at Waikoloa Beach Resort for $225 without any restrictions on tee times. It seems the Kona Country Club is another highly rat...
by Cruiser
Thu Oct 19, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 23
Views: 2862

Re: 1st Time Cruise - Princess and wifi

I recommend what the others have said; take this opportunity to disconnect. That is a vacation in and of itself. Reset your mind. The first 24-48 hours will odd, but afterward, you will love it. I got Wifi on one cruise and regretted it. You can use the opportunities in port (restaurants typically o...
by Cruiser
Fri Sep 01, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Golf course recommendations in Phoenix area
Replies: 10
Views: 1137

Re: Golf course recommendations in Phoenix area

For Troon North, the Monument or Pinnacle course? I see one mention of the Monument course.
by Cruiser
Fri Sep 01, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Golf course recommendations in Phoenix area
Replies: 10
Views: 1137

Re: Golf course recommendations in Phoenix area

Thanks for the recommendations. I've added Stonecreek to my list to play, along with TPC Scottsdale and Arrowhead. If I have more time, I'll check out some of the other courses you guys listed. Definitely hitting the course early; latest tee times I'm getting are 7am.
by Cruiser
Wed Aug 30, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Golf course recommendations in Phoenix area
Replies: 10
Views: 1137

Golf course recommendations in Phoenix area

I'll be on vacation in Peoria for a week, starting this weekend. I'm looking for some recommendations on golf courses in the area. Right now, the two courses on my shortlist are TPC Scottsdale and Arrowhead Country Club.

Bogey golfer here, looking for decent summer rates.
by Cruiser
Fri Jul 28, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Any pilots here? [as a career]
Replies: 38
Views: 5884

Any pilots here? [as a career]

I have hit my 30s and have come to the realization that while my current career pays well and is comfortable, it is not what I enjoy or love doing. Since I was a child, I have had a passion for flying, but had scratched that off my list when I was younger due to a variety of reasons...Rather, excuse...
by Cruiser
Sun Oct 09, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: Budget car advice; so so tired of the noise levels
Replies: 75
Views: 18060

Re: Budget car advice; so so tired of the noise levels

Question to OP: What are the miles on the Mazda3? That is on my short list for next vehicle. About 120k, 2006 model, and so far no major issues. When I drove it out west, it was great, especially with all the switchbacks on the road up to our mountain home. But where we are now--pothole heaven--it'...
by Cruiser
Tue Aug 30, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: T-Mobile New 'One' Plan
Replies: 27
Views: 5259

Re: T-Mobile New 'One' Plan

With an iPhone 6 I am paying Verizon $60/mo for 2GB, and I cannot tether. After taxes this is close to $70. I am interested in this offering since the tethering would be at 512kbps. I often don't need to tether, but I'd like the option when I travel for business a couple times per year, or when rar...
by Cruiser
Tue Aug 09, 2016 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: why the limit of six withdrawals on a savings account
Replies: 22
Views: 4836

Re: why the limit of six withdrawals on a savings account

I still don't understand the purpose of this rule for normal transactions, which aren't anywhere near $10k for most people, I'm sure. If it's to stabilize bank reserves, why are in person transactions okay if they are over the limit. It is to help regulate the reserves that institutions are require...
by Cruiser
Fri Jun 03, 2016 5:59 pm
Forum: Personal Consumer Issues
Topic: Roofing replacement
Replies: 15
Views: 2257

Re: Roofing replacement

As was previously suggested, I would seek additional opinions. I have to respectfully disagree with Mudpuppy. I think results will vary depending on the insurance company and also if the event was declared a catastrophe for the area. I get the impression - and have been told by contractors (take it ...
by Cruiser
Tue May 31, 2016 10:34 pm
Forum: Personal Consumer Issues
Topic: Home Depot pricing policy?
Replies: 26
Views: 4272

Re: Home Depot pricing policy?

I got a little upset in HD today, and was just wanting to get some other people's opinion on this matter. In the past 28 days, I had purchased 52 bags of mulch at $3.33 a bag. I bought these from HD on 5 separate occasions. I noticed today while I was in the store that the mulch was on sale for $2....
by Cruiser
Wed Apr 27, 2016 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Protection against sewer line breakage/backup
Replies: 9
Views: 1489

Protection against sewer line breakage/backup

A friend of mine had the sewer line between her house and street break and it caused about $10k in repairs. The break was due to normal wear and tear on the clay pipe. I live in a 100+ year old house, with the city's infrastructure most likely the same age or older. I spoke with my insurance company...
by Cruiser
Wed Apr 20, 2016 7:56 pm
Forum: Personal Investments
Topic: Portfolio Review/Advice for a 24 year old
Replies: 20
Views: 2877

Re: Portfolio Review/Advice for a 24 year old

I second sharpjm's comment on maxing out your 401k and Roth first, then go to taxable. -5.6k in Betterment taxable (90% stock 10% bond) that I feed $300 monthly. (7% return over 2 months) Don't let this nice short-term return fool you into thinking Betterment is onto something. A simple S&P 500 ind...
by Cruiser
Wed Apr 20, 2016 7:08 pm
Forum: Personal Investments
Topic: Portfolio Review/Advice for a 24 year old
Replies: 20
Views: 2877

Re: Portfolio Review/Advice for a 24 year old

I second sharpjm's comment on maxing out your 401k and Roth first, then go to taxable. -5.6k in Betterment taxable (90% stock 10% bond) that I feed $300 monthly. (7% return over 2 months) Don't let this nice short-term return fool you into thinking Betterment is onto something. A simple S&P 500 inde...
by Cruiser
Sun Apr 17, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 30
Views: 7785

Re: "Bogle's Folly"

I thought the last two paragraphs were excellent. It's eye-opening to think that just a couple months ago, there was so much panic and questioning of where things were headed --- even on this forum. Thanks for sharing the article, Taylor. This chart shows the performance of the S&P 500 Index for the...
by Cruiser
Wed Apr 13, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be able to Refi Mortgage?
Replies: 12
Views: 1925

Re: Should I be able to Refi Mortgage?

Well 7 mos later I have been chunking away at the mortgage ala Dave Ramsey, and I'm in the ballpark of having 80%LTV when I refi. So now that PMI is not an issue, is aimloan still a good option? 30 yr fixed... Aimloan $250fees 3.875% Bankrate is showing: Sebonic $0 fees 3.625% HSBC $704 3.657% IAB ...
by Cruiser
Mon Apr 04, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Credit card changes and how do merchants find out?
Replies: 4
Views: 846

Re: Credit card changes and how do merchants find out?

It's most likely Automatic Billing Updater technology (MasterCard's ABU doc is here ). Basically, large/national merchants subscribe to the service, and when a new card is issued, your financial institution/card provider communicates with this list of merchants to provide them with the new card info...
by Cruiser
Sat Mar 26, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Cable 50Mb/sec vs. 100Mb/sec ?
Replies: 18
Views: 18261

Re: Cable 50Mb/sec vs. 100Mb/sec ?

I downgraded earlier this month from roughly 60mbps to 25mbps and have not noticed any differences in streaming, browsing, or anything else. I would venture to guess, for what you're doing, that 50mbps is more than enough, and you would not notice any difference by doubling the speed.
by Cruiser
Wed Mar 23, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Timing- What Day to Setup for Automatic/Recurring Investments?
Replies: 31
Views: 5877

Re: Timing- What Day to Setup for Automatic/Recurring Investments?

Statistically speaking, the highest expected return comes from investing the money as soon as you get it. I'm using dollar cost averaging. I already have the money but it would be foolish to drop it in all at once. Magicrat is right. Time in market. See this Bogleheads article - scroll down to the ...
by Cruiser
Wed Mar 02, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Home Equity
Replies: 23
Views: 2437

Re: Calculating Home Equity

I would not use Zillow's "Zestimate" metric as a source for determining the current value of your home. I am preparing to list my house in the next 30 days and comps are putting my listing price at 15-20% below my house's "Zestimate". As was mentioned previously, your most accurate bet would be to l...
by Cruiser
Tue Mar 01, 2016 11:18 pm
Forum: Personal Consumer Issues
Topic: Visiting Belize City
Replies: 28
Views: 3312

Re: Visiting Belize City

Belize City is a popular cruise ship destination with t-shirt shops, party time restaurants and bars and not much else. Have visited but found little of interest. This is a relatively poor area with tourism as a major part of the local economy. I second this. I was just in Belize City this past Sep...
by Cruiser
Tue Mar 01, 2016 9:24 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2767
Views: 1833621

Re: The Three-Fund Portfolio

Nice article from Ben Carlson: "Bogle vs. Goliath" http://awealthofcommonsense.com/2016/02/bogle-vs-golitath/ Great article, Castanea_d. Good quote at the end as well: There’s a ton of ego involved in the college endowment world. No one wants to admit that there’s a much simpler way to be better th...
by Cruiser
Thu Feb 25, 2016 9:03 am
Forum: Investing - Theory, News & General
Topic: Why invest in international?
Replies: 40
Views: 10761

Re: Why invest in international?

Adding on to longinvest's great post, I would encourage you to find an asset allocation that works for you. That doesn't keep you up at night. But whatever that AA is, you have to abide by it. For example, if you include no international in your portfolio, you cannot go buy international if/when it ...
by Cruiser
Mon Feb 22, 2016 9:14 pm
Forum: Personal Investments
Topic: Time to cut AA to international?
Replies: 45
Views: 5803

Re: Time to cut AA to international?

Vanguard recently posted an article that may be of help, titled "For true global diversification, look beyond the 500 Index" . In it, they look at how an S&P 500-only focus is overweighted in various sectors (IT/healthcare) while underweighted others (financials & materials). The past doesn't show w...
by Cruiser
Wed Feb 17, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: Project Fi experience? [WiFi from Google]
Replies: 42
Views: 8264

Re: Project Fi experience?

I had Project Fi for a short time with the Nexus 6p and really enjoyed the service. Their support is extremely quick and helpful. For the most part, the coverage was good. I would notice that I would occasionally lose service in areas where I knew both Sprint and T-Mobile had their best LTE coverage...
by Cruiser
Wed Feb 17, 2016 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for more credit cards or stop requesting credit?
Replies: 48
Views: 3594

Re: Should I apply for more credit cards or stop requesting credit?

I guess what I want to do is maximize my credit score. Not sure how the number of cards impacts that, other than the fact that I have quite a few inquiries as a result and the average age is only 10 months right now. But, I am also 20. Too many inquiries and average age will hurt your score to a gr...
by Cruiser
Tue Feb 16, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 17851

Re: It sure looks like a good time to invest in oil

I thought of this topic after seeing the following article today out of Fortune . One-Third of Oil Companies Could Go Bankrupt this Year About a third of the world’s publicly-traded oil companies are at high risk of going bankrupt this year, according to a new report out Tuesday. Consulting and audi...
by Cruiser
Fri Feb 12, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: Why rebalance US/international
Replies: 7
Views: 1277

Re: Why rebalance US/international

It depends on if you have tech, medical, and energy sector funds in your portfolio, as part of your asset allocation. If you do, and they're straying outside your target asset allocation/rebalancing guidelines, then rebalance. But if you hold an S&P 500 index fund, you need not worry about rebalanc...
by Cruiser
Fri Feb 12, 2016 8:17 pm
Forum: Investing - Theory, News & General
Topic: Why rebalance US/international
Replies: 7
Views: 1277

Re: Why rebalance US/international

It doesn't make sense to me why rebalancing between US/international is recommended, isn't this essentially market timing? Rebalancing is the process of realigning the weightings of one's portfolio of assets, based on a previously defined asset allocation. Market timing is attempting to predict (i....
by Cruiser
Sat Feb 06, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 3832

Re: Netspend 1099's?

On the same 1099 question: I just joined Netspend late last year. My account has not generated any interest yet - but I did receive $20 for using a referral. Is the $20 a taxable reward? I have not received a 1099 for it yet. My $20 referral bonus was not reported as taxable income on my Netspend 1...
by Cruiser
Sat Feb 06, 2016 1:47 am
Forum: Personal Finance (Not Investing)
Topic: Netspend 1099's?
Replies: 15
Views: 3832

Re: Netspend 1099's?

FYI, I received my 1099s in the mail from both Netspend and Ace Elite today.