Search found 71 matches

by Invest4lt
Sat Aug 24, 2019 9:35 pm
Forum: Personal Consumer Issues
Topic: Alumni donations to help children get into college
Replies: 9
Views: 958

Re: Alumni donations to help children get into college

In my experience, legacy can help a little to have your child considered. Contributions? Not unless you are sponsoring a building, quad, etc. Even then it’s handled carefully in this environment.
by Invest4lt
Thu Aug 22, 2019 12:13 am
Forum: Personal Finance (Not Investing)
Topic: How do you get billed for child's college when not enough cash?
Replies: 45
Views: 3457

Re: How do you get billed for child's college when not enough cash?

On Step 3; parents do not get billed. College Students, who are adults , get billed. Uh, I never saw a bill for tuition when I was an undergrad. Many students are not 18 during at least part of college, so I am assuming those are not legally adults and not legally financially responsible. The schol...
by Invest4lt
Sun Aug 11, 2019 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 247
Views: 5903

Re: Does anyone here have no credit cards? How is that working out for you? Do you have any trouble without them?

Not sure if you mean both credit and debit cards which can be run as credit? Major hotel chains now require a card...cash won’t do. Some restaurants (and food trucks) have gone non-cash and only accept cards. Cashless toll booths would be another issue. Mind letting us know your concerns? Not sure i...
by Invest4lt
Sun Aug 11, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Does any bank have a "high net worth" tier that provides forex wires at the interbank rate
Replies: 13
Views: 1225

Re: Does any bank have a "high net worth" tier that provides forex wires at the interbank rate

Express Send at WFB Is n easy way to send money. Fees are waived with a relatively small banking relationship. Not sure about the rate but it seemed reasonable.
by Invest4lt
Sat Aug 10, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7819

Re: Ponder this, BH's... is Ben & Jerry's worth it?

chevca wrote:
Fri Aug 09, 2019 8:43 pm
Absolutely worth it, yes!

Cherry Garcia for me. But, there are plenty of other near favorites they make also.
Cherry Garcia for me, too,
by Invest4lt
Sat Aug 10, 2019 7:26 pm
Forum: Personal Consumer Issues
Topic: Vehicle Air horn
Replies: 29
Views: 2354

Re: Vehicle Air horn

According to some of the reviews, the horn is deeper but not louder.
by Invest4lt
Sat Aug 10, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Checking credit card statements
Replies: 52
Views: 2703

Re: Checking credit card statements

bob60014 wrote:
Sat Aug 10, 2019 3:52 pm
Every charge we make we receive a text message indicating activity. Quick and easy and we know immediately if a unauthorized charge is made/attempted.
This. The real time verification via text message makes the monthly review mostly unnecessary.
by Invest4lt
Fri Aug 09, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4075

Re: Do You Order "the Special" at Restaurants?

I am a huge fan of Tony Bourdain and I miss his presence immensely. However, his take on "the special" is somewhat old and outdated. It depends on where and what you're eating, but tons of restaurants that source food locally will run a special featuring ingredients that are only available for a sh...
by Invest4lt
Sat Aug 03, 2019 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Companies not sending bills
Replies: 14
Views: 1112

Re: Companies not sending bills

I’m not sure about any type of nefarious plot by venders, but moving away from snail mail makes sense for a variety of reasons, including cost and security. I’ve turned off paper bills and realized that the email alerts are much quicker and easier (and not prone to getting lost in the mail).
by Invest4lt
Mon Jul 29, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: Ink refill - Brother's printer
Replies: 13
Views: 1055

Re: Ink refill - Brother's printer

I’ve been refilling at Costco. Cartridges are usually available in an hour. Every so often they will have a coupon for a couple bucks off.
by Invest4lt
Tue Jul 23, 2019 11:13 pm
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 5779

Re: Thank you notes,,, out of favor these days?

Seems to be another generational issue. I can’t imagine expecting a mailed paper letter. Email or text can also adequately communicate thanks. To quote David Bowie, “ ch..ch..ch..changes...”
by Invest4lt
Fri Jul 12, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Sending an eCard For Birthday
Replies: 12
Views: 940

Re: Sending an eCard For Birthday

I switched to sending a text message and birthday meme. Many online cards expect the recipient to click on a link within an email...seemed like a risky idea.
by Invest4lt
Sat Jun 22, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7887

Re: How do you approach tipping at carry-out restaurants

There was political action in California and the minimum tipped wage is now $11, the same as for non tipped employees at companies with 25 or fewer employees (slightly less than $12/hr for non tipped employees at companies with >25 employees). So the servers receive the minimum wage plus tips. But,...
by Invest4lt
Sat Jun 22, 2019 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9323

Re: Frugal or cheap?

KlangFool wrote:
Sat Jun 22, 2019 5:25 pm

gt5550,

IMHO, it is crazy to do a 100K addition to a 180K house. It is better to buy a new house.

KlangFool
This ^. Plus I can’t imagine the nightmare of dealing with the contractors.
by Invest4lt
Sat Jun 22, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7887

Re: How do you approach tipping at carry-out restaurants

I went to Panera near end of their day. Ordered a salad after some rude people in front of me ordered. The counter help looked incredibly tired. I gave a 50% tip on a $8 salad. The gal gave me a smile and grateful thank you. Sometimes it is good to be kind. Agree. I know this is a contentious issue...
by Invest4lt
Sat Jun 15, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: IPhone 6 - showing some age
Replies: 67
Views: 4725

Re: IPhone 6 - showing some age

Another option could be to explore the trade in value. I recently bought a new iPhone and the Apple store gave me 250 for my 6 S Plus.
by Invest4lt
Sun Jun 09, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 18130

Re: Are You Dumping Netflix?

Definitely keeping Netflix....and Hulu. Still an entertainment bargain to me.
by Invest4lt
Sun May 26, 2019 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: House not selling
Replies: 138
Views: 11617

Re: House not selling

Do you have comps for comparable houses sold in the neighborhood? Buyers don’t care about what you paid or your gain/loss. The lack of interest from buyers makes It sound like you are asking too much.
by Invest4lt
Sun Apr 21, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4446

Re: Washing Machine that uses a LOT of Water

I’m thinking that the hardness or mineral content in the water is also a factor to consider. After installing a water softener we needed to drastically reduce the amount of detergent.
by Invest4lt
Wed Apr 17, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3421

Re: Trip to Central Asia. Do you need a CC?

Most airlines are now cashless, so a credit card would certainly be a good thing for buying meals and snacks while in the air.
by Invest4lt
Sun Apr 14, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: OnStar Plans: Are they worth the cost?
Replies: 13
Views: 1481

Re: OnStar Plans: Are they worth the cost?

+1 for using your cellphone and Car Play/Android Auto apps. Both have an emergency call feature if they sense a crash. If you live somewhere without good cell reception then OnStar has the advantage of much better coverage. But aside from that I would invest the funds in a cellar plan.
by Invest4lt
Thu Apr 11, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: One-more-year - am I done or not?
Replies: 50
Views: 7577

Re: One-more-year - am I done or not?

Seems there are two questions: 1. Financially, can you afford to retire; and, 2. Should you retire. 1. The numbers support a financial decision to retire. 2. Is it a good idea to retire? This is where the non financial aspect comes in. How will your retirement affect your spouse who is still getting...
by Invest4lt
Tue Apr 09, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 6897

Re: How Much Do You Pay For Haircut?

40 plus 10 tip
by Invest4lt
Thu Mar 14, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: How do you confirm that bills are successfully paid?
Replies: 38
Views: 2533

Re: How do you confirm that bills are successfully paid?

Personally, I wouldn’t use any bill pay for something important and recurring when the payee doesn’t accept ACH payments. You might ask the landlord to accept ACH (instructions are usually on the bill pay envelope). Or see if they can accept a service like Zelle, Popmoney, Venmo/PayPal (ugh) instea...
by Invest4lt
Sun Feb 24, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Gift cards
Replies: 10
Views: 1063

Re: Gift cards

I purchase quite a few gift cards but only at > 20% discount and only major chains. Interestingly, a few weeks ago a restaurant informed me their machine was down (they told me after I gave them the gift card at the end of the meal), so they comp’ed the entire meal. I was happy and now am very loyal...
by Invest4lt
Thu Feb 21, 2019 11:00 pm
Forum: Investing - Theory, News & General
Topic: Whats up w/ Vanguards website?
Replies: 18
Views: 2893

Re: Whats up w/ Vanguards website?

I logged into Vanguard today using 2 factor authentication. They kept texting the code about 45 times! Very strange.
by Invest4lt
Thu Feb 07, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: What Tech Gadget Would you Buy?
Replies: 85
Views: 5779

Re: What Tech Gadget Would you Buy?

I'm considering buying some smart speakers. I was at my brother's house at New Year's and they have several Sonos speakers which attach to their network via wi-fi. You can have the speakers all playing your music in several rooms at once - handy if you're doing chores in several rooms. Agree with t...
by Invest4lt
Mon Jan 21, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 26
Views: 3103

Re: NY Times $1 per week digital

Thanks for posting. IMHO well worth $1.00 a week to support what I read.
BTW, you can add the crosswords for .38 per week (19.97 annual prepaid). Another good deal.
by Invest4lt
Sat Jan 05, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2957

Re: Vanguard Statements - Print or Electronic

No paper here. I download the statements and backup to the cloud. I don’t see any reason to print.
by Invest4lt
Fri Dec 28, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 41856

Re: TurboTax Prices

^ The invoicing is strange, also. I purchased the Premier for $55, with the $10 gift card promo. There are two invoices: turbo tax premier for 45 and a gift card for 10. The gift card is shipped via UPS. I guess they separate the sale into two invoices in case I return the software.
by Invest4lt
Wed Dec 26, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 7783

Re: Nice jeans for work with lowest average cost of ownership

I’ve had good luck with Lucky jeans. They have many different cuts and styles to fit different age groups, body types, etc.
by Invest4lt
Thu Nov 29, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 3002

Re: Remodeling - tipping?

I have several friends in the construction industry. While not expected (relax everyone), a tip sure is appreciated and noticed. Pragmatically,the goodwill generated could pay benefits far exceeding the tip amount. For example, requests for future work, advice, etc. So it seems to be a personal deci...
by Invest4lt
Mon Nov 26, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 16079

Re: Black Friday 2018

Proton mail. They are having a sale - 2 years for the price of one.
by Invest4lt
Sat Nov 17, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 23
Views: 1245

Re: Are gift cards for fund raising worth it?

Paying with a check gives exactly as much bank information. Each check has routing and account number on it. The difference for me is if I pay by check, they just deposit it. The don't save the information. At least, I don't think they do (I suppose nothing is stopping them from saving check inform...
by Invest4lt
Sun Nov 04, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone upgrading to sapphire banking at chase?
Replies: 12
Views: 1892

Re: Anyone upgrading to sapphire banking at chase?

I recently received an email promo offering $750 to open a sapphire account with 75k of new money. I’m researching If it’s worth it, also.
by Invest4lt
Sat Sep 08, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to buy phone for T-mobile
Replies: 18
Views: 1427

Re: Cheapest way to buy phone for T-mobile

I bought a refurbished iPhone 6S Plus and had a similar great experience at T-Mobile store. The agent swapped my SIM card from Android phone and helped me run the utility to transfer all data from old phone. Couldn’t be happier with the service. Btw, I’m 60 dollars (taxes included) for 2 lines of un...
by Invest4lt
Wed Jul 04, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6317

Re: How to tip

20% on the entire tab. Sometimes more if great service or special accommodation.
by Invest4lt
Sun Jun 24, 2018 8:48 pm
Forum: Non-US Investing
Topic: Should my girlfriend who is here on a work visa open an IRA?
Replies: 6
Views: 914

Re: Should my girlfriend who is here on a work visa open an IRA?

You could run the numbers to be sure, but will be a hassle if she leaves. My co-worker in a similar situation had to close the account, add to US tax return and pay the 10% withdrawal penalty. It really depends on the tax rate on the final return, but is one more hassle if she leaves. It’s hard enou...
by Invest4lt
Sun Apr 08, 2018 12:31 pm
Forum: Personal Consumer Issues
Topic: Can I use United airline miles to buy a ticket for my friend?
Replies: 15
Views: 1464

Re: Can I use United airline miles to buy a ticket for my friend?

Yes, as indicated above by others this is fine. Be sure to get your friend’s frequent flyer number and attach it to the reservation. Unless you travel on the same itinerary your friend’s ticket will not inherit your status.
by Invest4lt
Wed Feb 21, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: what should be the subject line when contacting previous employer
Replies: 10
Views: 1023

Re: what should be the subject line when contacting previous employer

In my field and generation, Email is certainly appropriate for starting the conversation. A cold call is presumptuous. The email subject could be something like ‘touching base .’ Introduce your interest and ask to setup a call. I’ve seen this done many times.
by Invest4lt
Mon Feb 19, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3914
Views: 1120257

Re: What Book Are You Currently Reading? Part VI

Origin by Dan Brown

Disappointed with this one. Seems to follow the same old pattern as DaVinci Code. Too predictable. Thank goodness I checked out the Kindle version from the library since it is 14.99 on Amazon. On the plus side it’s a quick read.
by Invest4lt
Sun Feb 18, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 12985

Re: Do you wear a wedding band? [at a job interview]

I am married but have never worn a wedding ring. I do not change this decision for an interview or any other event. If a wedding band (or lack thereof) was important or relevant for an interview, then that would not be a corporate culture for me. And, obviously, questions about marriage and family c...
by Invest4lt
Sat Jan 27, 2018 1:39 pm
Forum: Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 26886

Re: I bought a stock today - Redfin (RDFN)

This method of stock picking reminds me of the Beardstown Ladies approach of buying stock in companies they believed in/admired or products they used. It seems like an interesting approach philosophically, but I am more inclined to take a Boglehead approach.
by Invest4lt
Sat Jan 20, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 4110

Re: Rent (free at library) or buy books?

brennok wrote:
Sat Jan 20, 2018 10:18 pm
Once I switched to a Kindle my library checkout rate skyrocketed. I buy almost zero books now.
Same here. Signed up for a library card because of my Kindle.
by Invest4lt
Mon Jan 15, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 5888

Re: A "Home" cell phone?

I use a free Google voice phone number for giving out to websites and other distributions. It’s even on my business cards. It has the option of ringing directly on my cell (I never do that). It also works as voice mail and emails me the transcript and link to listen to the message. Works great for m...
by Invest4lt
Mon Jan 15, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Credit card cash reward for payment
Replies: 10
Views: 1566

Re: Credit card cash reward for payment

Discover Card doesn’t get a lot of attention, but they pay 1% on all charges and 5% on select categories which rotate quarterly. This quarter it’s 5% cash back for gasoline purchases and charges from big box stores. Last quarter was 5% at Amazon and Target. The changing 5% categories are kind of a p...
by Invest4lt
Sun Jan 14, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 4726

Re: Are land line phones still being supported?

Try the google search “future of landlines”
Some amazing statistics here: https://www.softwareadvice.com/resource ... landlines/
Not sure what the demise of landlines would mean for those areas without access to the internet. Anyone remember pay phones? :shock:
by Invest4lt
Sat Jan 13, 2018 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Federal Estimated Taxes
Replies: 8
Views: 1715

Re: Federal Estimated Taxes

ivk5 wrote:
Thu Jan 11, 2018 5:53 am
With Direct Pay, I believe that's correct.

With EFTPS, I believe online payments need to be submitted by 8pm ET the prior business day.
Is that correct? EFTPS payments need to be submitted by 8pm ET the prior business day? That was today.
by Invest4lt
Sun Jan 07, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Unique Credit Cards linked to Real Credit Card
Replies: 19
Views: 1485

Re: Unique Credit Cards linked to Real Credit Card

I had two cards that used to offer single use or single vendor unique numbers (Discover and one other card). Both discontinued years ago and referenced their Zero Liability policy. I guess the single use or vendor numbers had too much overhead to make them worthwhile? Well, sort of... It's not the ...
by Invest4lt
Sun Jan 07, 2018 12:45 am
Forum: Personal Investments
Topic: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable?
Replies: 11
Views: 1260

Re: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable

Are you planning to leave your employment this year? If so, I would be inclined to front load the 401k to maximize the match (assuming it vests immediately).