Search found 248 matches

by Trism
Thu Nov 15, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2516

Re: Any space heaters that automatically maintain a temperature in a room!

Get an electric blanket. One month I used an electric space heater to heat my home office during the day, thinking, "Why heat the whole house when I just sit in here all day and work?" Electric bill was $200 more than normal that month. In San Diego. That's impossible, unless you left it on high fo...
by Trism
Thu Nov 15, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 50
Views: 3960

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Going to one of these sites to get your home value is like going to Credit Karma to get your credit score. Your cost is even the same.
by Trism
Thu Nov 15, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4554

Re: How to deposit cash in online account with no local branch

My local cu has free coffee and cookies, and free lollipops at the tellers stations :-) My local CU offers some of the least rewarding rewards credit cards you can find anywhere, and pays laughable yields on savings products. Not sure about lollipops. :) 3.30% interest 2 year CD, from the coffee, c...
by Trism
Wed Nov 14, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4554

Re: How to deposit cash in online account with no local branch

And my B&M bank still has free donuts. Free donuts? What bank is this? I want to move my account there. :shock: My local cu has free coffee and cookies, and free lollipops at the tellers stations :-) My local CU offers some of the least rewarding rewards credit cards you can find anywhere, and pays...
by Trism
Wed Nov 14, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4554

Re: How to deposit cash in online account with no local branch

And my B&M bank still has free donuts. Free donuts? What bank is this? I want to move my account there. :shock: My local cu has free coffee and cookies, and free lollipops at the tellers stations :-) My local CU offers some of the least rewarding rewards credit cards you can find anywhere, and pays...
by Trism
Tue Nov 13, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2998
Views: 588671

Re: What's Your Credit Card Rewards Strategy?

What you are describing is something called “backdating”, and only Amex did this. Note that Amex too stopped this practice at least 3 years ago, and if you cancel the card but apply for another Amex card later, it will NOT inherit the opening date of the oldest card. ? I just applied for a new Amex...
by Trism
Tue Nov 13, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2516

Re: Any space heaters that automatically maintain a temperature in a room!

Get an electric blanket. One month I used an electric space heater to heat my home office during the day, thinking, "Why heat the whole house when I just sit in here all day and work?" Electric bill was $200 more than normal that month. In San Diego. That's impossible, unless you left it on high fo...
by Trism
Tue Nov 13, 2018 3:01 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2516

Re: Any space heaters that automatically maintain a temperature in a room!

Get an electric blanket. One month I used an electric space heater to heat my home office during the day, thinking, "Why heat the whole house when I just sit in here all day and work?" Electric bill was $200 more than normal that month. In San Diego. That's impossible, unless you left it on high fo...
by Trism
Tue Nov 13, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9685

Re: Favorite "free stuff"?

So we've gotten $6 in return for our $450, which is still more than we have gotten from every library in the city combined. If you read e-books, you might want to look into whether your library has them (fairly likely). They're very easy most places. I do. I just signed up for a library card online...
by Trism
Tue Nov 13, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 32
Views: 2516

Re: Any space heaters that automatically maintain a temperature in a room!

Get an electric blanket.

One month I used an electric space heater to heat my home office during the day, thinking, "Why heat the whole house when I just sit in here all day and work?"

Electric bill was $200 more than normal that month.

In San Diego.
by Trism
Tue Nov 13, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Return on CC that I actually did not return??
Replies: 6
Views: 607

Re: Return on CC that I actually did not return??

I am confused. Our Sam's Club membership ended 10 days ago so I bought about $35 of food nothing exciting. Today it said the entire amount was returned onto my American Express...but I didn't return any of the food and I am no longer a member. Any idea why? Thanks. I'm confused. You purchased $35 w...
by Trism
Tue Nov 13, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Purchasing New Home - Down Payment 20 or 25%??
Replies: 19
Views: 1112

Re: Purchasing New Home - Down Payment 20 or 25%??

In our zip code I see four places on Zillow Mortgage Rates to get 4.75% or less with 20% down on a $655,000 house.

Two of the 4.75% options have a total of $1 in lender+third party fees.

Shop little more, get a better rate, and keep your liquidity.
by Trism
Tue Nov 13, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4554

Re: How to deposit cash in online account with no local branch

Hand the cash to someone you trust and have them write you a check for the same amount. Remote deposit the check.
by Trism
Tue Nov 13, 2018 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Credit Reports and Credit Scores
Replies: 13
Views: 789

Re: Questions on Credit Reports and Credit Scores

CK is constantly trying to get me to see how much they can save us on our mortgage (which currently at 1.74% on a 3/1 ARM, going up to 3.74% next summer). Part of the reason is that CK doesn't know the interest rate. My payment reported to the credit bureau includes escrow, which makes it look like...
by Trism
Tue Nov 13, 2018 3:57 am
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9685

Re: Favorite "free stuff"?

So we've gotten $6 in return for our $450, which is still more than we have gotten from every library in the city combined. If you read e-books, you might want to look into whether your library has them (fairly likely). They're very easy most places. I do. I just signed up for a library card online...
by Trism
Mon Nov 12, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: new car [pay cash?]
Replies: 15
Views: 1208

Re: new car [pay cash?]

Are you asking for feedback on your choice in cars, or how you're planning to pay for the Audi?
by Trism
Mon Nov 12, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9685

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by Trism
Mon Nov 12, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9685

Re: Favorite "free stuff"?

In my neighborhood I have seen some piles disappear quickly. I once saw a lamp I hoped to get on my way home from an appointment. Two hours later it was gone along with a few other things. There was still a large pile that took over a week to disappear. There are times when I question the value of ...
by Trism
Mon Nov 12, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1948

Re: Trying to move out.

Keepcalm wrote:
Mon Nov 12, 2018 10:59 am
I would be lying if I did not admit the savings in about 1100/month (normally what I pay for a rental) is enticing by moving in with her.
Sounds like true love.
by Trism
Mon Nov 12, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Trying to move out.
Replies: 25
Views: 1948

Re: Trying to move out.

Keepcalm wrote:
Mon Nov 12, 2018 1:05 am

We have been dating for about 6 months.
Get your own place for at least 18 months.
by Trism
Mon Nov 12, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2585

Re: why so few 50/50 balanced funds?

rkhusky wrote:
Mon Nov 12, 2018 9:56 am
Vanguard seems to prefer 60/40 or 40/60 funds. You could choose two of those to get to 50/50 (Wellington/Wellesley or LifeStrategy Moderate/Conservative).
+1
by Trism
Mon Nov 12, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3923

Re: High-end Christmas decorations

Kenkat wrote:
Sun Nov 11, 2018 1:43 pm
Those are worth it at any price. #swag
They're even more stunning in person.
by Trism
Mon Nov 12, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Credit Reports and Credit Scores
Replies: 13
Views: 789

Re: Questions on Credit Reports and Credit Scores

Like many of these forums, my credit reports are frozen (for two years now). Unfreezing when needed is simple and takes only a few minutes. I also download a copy of one of my CR’s every four months and scan for unusual activity (this takes maybe 10 minutes). Since my reports are frozen, the only i...
by Trism
Mon Nov 12, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 19
Views: 1705

Re: Best city car

I lived in the East Lakeview neighborhood (Roscoe/Lake Shore) and Lincoln Park (Fullerton/Clark) in Chicago and only had street parking.

I had a full-size sedan, which presented no additional significant issues beyond what having any car under those circumstances would have had.
by Trism
Mon Nov 12, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Credit Reports and Credit Scores
Replies: 13
Views: 789

Re: Questions on Credit Reports and Credit Scores

Like many of these forums, my credit reports are frozen (for two years now). Unfreezing when needed is simple and takes only a few minutes. I also download a copy of one of my CR’s every four months and scan for unusual activity (this takes maybe 10 minutes). Since my reports are frozen, the only i...
by Trism
Mon Nov 12, 2018 7:04 am
Forum: Personal Consumer Issues
Topic: 20th Anniversary vacation ideas wanted
Replies: 29
Views: 1856

Re: 20th Anniversary vacation ideas wanted

Not sure if you're limiting your search to tropical destinations, but Banff National Park in the Canadian Rockies is one of the most beautiful places we have visited, and it will be collar season in April. Ski crowds will be gone but the hordes of summer visitors still have their brats in school. Ti...
by Trism
Mon Nov 12, 2018 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Credit Reports and Credit Scores
Replies: 13
Views: 789

Re: Questions on Credit Reports and Credit Scores

Leesbro63 wrote:
Mon Nov 12, 2018 6:43 am
I have both a Chase and a CapitalOne credit card that update my credit score monthly. End of story.
Both of those are Vantage Skores. They both give away Vantage Skores, but don't actually use them to manage your accounts.
by Trism
Mon Nov 12, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Credit Reports and Credit Scores
Replies: 13
Views: 789

Re: Questions on Credit Reports and Credit Scores

The credit skore provided is a Vantage Skore, which virtually no company uses to actually evaluate your creditworthiness, so it might was well be a random number generator. Ignore the skore. Interesting. I assumed Credit Karma reported your actual Equifax and TransUnion scores. Are you saying it do...
by Trism
Mon Nov 12, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Questions on Credit Reports and Credit Scores
Replies: 13
Views: 789

Re: Questions on Credit Reports and Credit Scores

I recently took advantage of ordering and reviewing my free annual credit reports, and have a few questions about how best to approach this going forward... 1) What are folks thoughts on Credit Karma, or other credit monitoring services? In an ideal world, I suppose it's ideal to order and thorough...
by Trism
Mon Nov 12, 2018 5:59 am
Forum: Personal Finance (Not Investing)
Topic: Which Credit Cards Will I Get Approved for with no Credit Score?
Replies: 7
Views: 672

Re: Which Credit Cards Will I Get Approved for with no Credit Score?

Discover likes thin, clean credit profiles. Capital One will give an unsecured credit card to a spatula. Generally speaking I am not a fan of getting a card because it's an easy approval, but I make an exception for people who are just getting started. (With that said) Avoid store cards. You'll get ...
by Trism
Sun Nov 11, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9685

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by Trism
Sun Nov 11, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9685

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by Trism
Sun Nov 11, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3923

Re: High-end Christmas decorations

...Kohl’s also will list ornaments for 50% right after Christmas. Kohl's has 40-50% off nearly everything nearly all the time, because their prices are fake. True on everything except Hallmark Christmas ornaments. I’ve seen them at 30% off before Christmas but never 50%. I wait for that extra 20%. ...
by Trism
Sun Nov 11, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1633

Re: Chase Sapphire Reserve -points for family ?

Yes- Thank you! Main question was will I get the points for family plane tickets as well. Thank you! You will get Chase Ultimate Rewards points for all of the purchases you put on the Sapphire card. Frequent flyer miles from the airline will go to each traveler's airline loyalty account after the f...
by Trism
Sun Nov 11, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: High-end Christmas decorations
Replies: 41
Views: 3923

Re: High-end Christmas decorations

Kenkat wrote:
Wed Nov 07, 2018 10:17 pm
...Kohl’s also will list ornaments for 50% right after Christmas.
Kohl's has 40-50% off nearly everything nearly all the time, because their prices are fake.
by Trism
Sun Nov 11, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage with or without spouse?
Replies: 26
Views: 1957

Re: Mortgage with or without spouse?

We are both on our deed and our mortgage, but when we got the mortgage we dropped my spouse's income from the application because we easily qualified with just mine. This allowed us to forego providing income documentation for my spouse, who was about to start a new job 2,000 miles away from where w...
by Trism
Sun Nov 11, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Alliant Visa [credit card]
Replies: 20
Views: 1696

Re: Alliant Visa

...after the 3% promo expired and it dropped down to 2.5%. With my spend and the $59 fee it works out to about 2.3% cashback per year, still better than anything out there. Alliant is a fantasic credit union for many reasons (fast ACH, low fees, ATM rebates, competitive savings rates, free bill pay...
by Trism
Sun Nov 11, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: First-timer shopping for mortgage, compressed timeline w/ odd job situation
Replies: 13
Views: 1441

Re: First-timer shopping for mortgage, compressed timeline w/ odd job situation

Several comments: - Referrals from a real estate agent are generally the worst way to "shop" for a mortgage, because you aren't really shopping, you're surrendering to someone else's priority (the agent wants an easy closing) in exchange for your own convenience. Convenience lasts a few weeks, but t...
by Trism
Sun Nov 11, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.
Replies: 11
Views: 790

Re: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.

As long as you have credit cards that are close to being maxed out you are going to have a harder time getting approved for new cards (and CLIs). FICO algorithms are oblivious to interest rate - whatever balances you have appear to be debt that you're revolving - so the fact that your balances are a...
by Trism
Fri Nov 09, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: How to stop junk mail for a deceased person
Replies: 61
Views: 6027

Re: How to stop junk mail for a deceased person

Talbot's is still mailing catalogs to our address for the former owner's deceased mother.
by Trism
Fri Nov 09, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Tips for protecting buyer from fraud by seller
Replies: 5
Views: 478

Re: Tips for protecting buyer from fraud by seller

I agree with the buyer protection comments above. I would add that if you have an American Express Platinum card or similar premium credit card, the complimentary concierge service might be able to track down what you're looking for somewhere else (in addition to or instead of the stash you found on...
by Trism
Fri Nov 09, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1120

Re: Penfed Rewards Card - Gas purchase rewards question

Sorry to hear about your troubles. They rejected me for that card, but nevertheless approved me for a mortgage. Still, due to poor customer service, the mortgage didn't go through. I was annoyed, but I'm glad to hear I didn't have another failure. Our mortgage experience was horrific. We switched t...
by Trism
Fri Nov 09, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2573

Re: Chase points - what's the point of buying gift cards

I tend to gift our Chase Sapphire points to D, who used them to buy airplane tickets. This allows her a lot of flexibility and to book at close to last minute without much penalty. For example, she’s purchased one way ticket LAX to HNL for 12,500 points, which we think was a bargain, especially ove...
by Trism
Fri Nov 09, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: promotions with no interest as a way to build credit
Replies: 2
Views: 253

Re: promotions with no interest as a way to build credit

You would be better off opening the card (if you must) and charging a dollar a month and paying it in full before the due date every month. Carrying a higher balance on the card means higher utilization on the card, which is worse than having a dollar report as your statement balance. The FICO algor...
by Trism
Fri Nov 09, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quizzle & Bankrate
Replies: 1
Views: 219

Re: Quizzle & Bankrate

I haven't checked Quizzle in at least a year.

The market for free fake credit scores is a crowded one.

I looked at Bankrate after receiving the same email from Quizzle, and didn't see anything unique that I'm not already getting seven times for free somewhere else.
by Trism
Fri Nov 09, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1120

Re: Penfed Rewards Card - Gas purchase rewards question

For the rewards signature card, you need to redeem your points by selecting from a big list of items. Cash is not an option. One of the choices is a Visa debit card starting at 5880 points per $50 card. They have a set of hand puppets in their rewards catalog for 3,990 points. Walmart has a similar...
by Trism
Fri Nov 09, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1120

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Is your card PenFed Platinum Cash Rewards Visa? I just check and I still get 5% as CASH REWARDS STMT CREDIT automatically each month. I remember I used to have PenFed Platinum Rewards Visa Signature for gas purchase but then PenFed made the switch to 1% way in late 2016. So I changed it to PenFed P...
by Trism
Fri Nov 09, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1120

Re: Penfed Rewards Card - Gas purchase rewards switcharoo

Is your card PenFed Platinum Cash Rewards Visa? I just check and I still get 5% as CASH REWARDS STMT CREDIT automatically each month. I remember I used to have PenFed Platinum Rewards Visa Signature for gas purchase but then PenFed made the switch to 1% way in late 2016. So I changed it to PenFed P...
by Trism
Fri Nov 09, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring - Need All 3 Credit Bureaus Included
Replies: 7
Views: 515

Re: Free Credit Monitoring - Need All 3 Credit Bureaus Included

Agree with the uselessness of credit monitoring. No reason not to freeze now that it is free. First sighn up for a credit karma account that shows 2 of the 3 fake scores, and a mysocialsecurity account, then freeze. Why would you sign up for Credit Karma if credit monitoring is useless? Credit Karm...
by Trism
Fri Nov 09, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Chase points - what's the point of buying gift cards
Replies: 30
Views: 2573

Re: Chase points - what's the point of buying gift cards

If you have the Sapphire Reserve the points are worth $0.015 each toward travel when redeemed through the Chase travel portal. Within the past couple of weeks they've replaced Connexions as their travel site vendor with Expedia, which has dramatically expanded the options for redeeming. Transferring...