Search found 28 matches

by ellvizzle
Thu Feb 18, 2021 9:07 am
Forum: Personal Finance (Not Investing)
Topic: credit card promotion
Replies: 9
Views: 1078

Re: credit card promotion

Why is that? I haven't visited many of those threads, so genuinely curious why that would be. I feel like all the sites just copy and past the rewards and spending requirement from the banks' website (and link to the fine print). They might push the ones with the referral bonuses, but I always shop...
by ellvizzle
Fri Dec 11, 2020 7:27 pm
Forum: Personal Investments
Topic: Colorado PERA
Replies: 5
Views: 546

Re: Colorado PERA

Depending on your situation you may wish to take into consideration the retirement healthcare benefits typically only available to DB plan (seems a little more complex to obtain if DC plan).
by ellvizzle
Fri Nov 27, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: YoutubeTV free HBO Cinemax for 5 days - What to watch ?
Replies: 31
Views: 2370

Re: YoutubeTV free HBO Cinemax for 5 days - What to watch ?

The Undoing has our attention for sure.
I’ll second McMillions and Lovecraft Country.
I Know this Much is True - based on the Wally Lamb book. Mark Ruffalo is very, very good.
Big Little Lies
The Young Pope
Sharp Objects

I don’t watch a lot of tv or anything 8-)
by ellvizzle
Sun Oct 18, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Yoga mat recommendation?
Replies: 16
Views: 1022

Re: Yoga mat recommendation?

Buy a high quality mat, pay a little more for hopefully a one time purchase. https://www.amazon.com/dp/B0745Y95WT/ref=sspa_dk_detail_1?psc=1&pd_rd_i=B0745Y95WT&pd_rd_w=x9lSE&pf_rd_p=7d37a48b-2b1a-4373-8c1a-bdcc5da66be9&pd_rd_wg=sMWWY&pf_rd_r=4CAFD0ZZGT0S292NA1Z7&pd_rd_r=b067...
by ellvizzle
Tue Sep 08, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: Sole brand exercise bike
Replies: 5
Views: 433

Re: Sole brand exercise bike

I can’t speak to their bike but we’ve had a Sole elliptical for about 7 years and have been very happy. Good features, durable and has been easy to maintain.
by ellvizzle
Sat Jul 11, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Renting a car from Hertz (after it filed for bankruptcy)
Replies: 12
Views: 1088

Re: Renting a car from Hertz (after it filed for bankruptcy)

I rented a car from Hertz a couple of weeks ago from a neighborhood location. They had by far the best rate. However, I did notice that when I went back to the site to review the reservation days after I had made it, the price would fluctuate, which I found odd, so I made sure to print a copy at tha...
by ellvizzle
Sun Jun 14, 2020 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10003
Views: 704142

Re: Refinance Mega Thread

I have ~7 years left on my mortgage that has a $240k balance at a 2.75% rate (originally 15-year loan). I wouldn't mind rolling into a 10-year (or less) at 2.5% but when I look up rates at LenderFi, Aimloan, and Better I can't seem to make the math work. We have outstanding credit. Is my current ba...
by ellvizzle
Sun Jun 14, 2020 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Advice when both buying & selling a home
Replies: 24
Views: 1556

Re: Advice when both buying & selling a home

We've had a couple of scenarios with buying/selling in recent years, and have never been in a position where we could risk two simultaneous mortgages. In both we had inconvenient gaps between our sell date and our new home purchase date. One we lived in our friends' guest bedroom for a month with o...
by ellvizzle
Sat Jun 13, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Advice when both buying & selling a home
Replies: 24
Views: 1556

Re: Advice when both buying & selling a home

We've had a couple of scenarios with buying/selling in recent years, and have never been in a position where we could risk two simultaneous mortgages. In both we had inconvenient gaps between our sell date and our new home purchase date. One we lived in our friends' guest bedroom for a month with ou...
by ellvizzle
Thu Jun 11, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10003
Views: 704142

Re: Refinance Mega Thread

We financed our mortgage in Feb. to a 15 year mortgage at 3.25%. Is it worth refinancing again now that 15 year rates are around 2.8%. I think it might save us $100-150 on a $4100 monthly payment. Is that worth the effort? My wife also lost her job recently. Even though I am primary breadwinner, I ...
by ellvizzle
Thu Jun 11, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10003
Views: 704142

Re: Refinance Mega Thread

Had a very good experience with better.com, despite not knowing about that Amex deal I now see mentioned in the thread. From lock to close 3 weeks, and then payoff finalized no problem. Was only 1 year into a 30 year at 4%, which I thought was a good rate a year ago. Refi at 2.875% for a 30 year. ~...
by ellvizzle
Wed Jun 10, 2020 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10003
Views: 704142

Re: Refinance Mega Thread

Had a very good experience with better.com, despite not knowing about that Amex deal I now see mentioned in the thread. From lock to close 3 weeks, and then payoff finalized no problem. Was only 1 year into a 30 year at 4%, which I thought was a good rate a year ago. Refi at 2.875% for a 30 year. ~$...
by ellvizzle
Mon May 11, 2020 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10003
Views: 704142

Re: Refinance Mega Thread

Edited to reflect that on 5-14 I was able to lock a 2.875% refi 30 year fixed with lender credits covering all loan costs plus some. I found LenderFi and Better to both be competitive, but Better beat LenderFi.
by ellvizzle
Wed Mar 18, 2020 9:16 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56702

Re: How Is Your Job Being Impacted By The Current Crisis?

State agency employee here--many of us at our location have already or are transitioning to remote work. It is fairly stable, though certainly a stressful job. My work itself is mostly on a computer anyways so I don't mind 100% remote, since I already was at 1 or 2 days a week remote. Certainly the ...
by ellvizzle
Wed Mar 04, 2020 11:00 pm
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8623

Re: Costco Tires

Agreed that Costco has solid prices, and I've also had good experience with Big O in terms of selection, price and service.
by ellvizzle
Sun Mar 01, 2020 12:50 pm
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 21815

Re: Where My 100% Equities Peeps At?!?

Here at 36. Figure I have some time to ride.
by ellvizzle
Thu Oct 11, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divorced -- Need Help [looking for new credit card]
Replies: 73
Views: 7733

Re: Just Divorced -- Need Help

Might want to take a look at Chase Slate credit card -- 60 day introductory balance transfer (so, no fee on the transfer if you do it in time) then 0% APR for 15 mo. on said balance transfers.
by ellvizzle
Fri Jul 27, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 229
Views: 18157

Re: Toughest Purchase of my Life. Engagement Ring time

Sounds like you're getting a lot of feedback. From my experience, it would have been impossible for my now husband to have selected a ring for me and he knew it (errm he knows me well--I have precise stylistic opinions). I don't think there is any one right way to do things these days. We certainly ...
by ellvizzle
Wed Jul 18, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 4561

Re: Europe travel Qs

We travel in Europe about once a year. Definite second that on phone thieves in Paris--even just setting it on your table at a cafe is a huge risk. I've been a near victim myself. Just be aware of your surroundings and belongings, that's all. I also recommend bringing at minimum 2 credit cards with ...
by ellvizzle
Sun May 13, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Mobile WIFI in France?
Replies: 13
Views: 893

Re: Mobile WIFI in France?

Whenever we travel abroad we just buy a SIM card upon arrival. Just the other month we got off the plane in Paris, went to the Relay store at ORY, picked up a Lycamobile SIM for approx. $10 and then set up the card while at the airport on wifi. Then for about $10 we got a 3 gb data plan, as I only w...
by ellvizzle
Sat Apr 07, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Best place to buy a TV
Replies: 54
Views: 7266

Re: Best place to buy a TV

I bought my last two tv's at Costco, too--great price for the quality. Have also found good deals at Target.
by ellvizzle
Mon Feb 19, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Car rental in Lisbon
Replies: 8
Views: 796

Re: Car rental in Lisbon

Per our experience renting a car in Lisbon, do not go with Budget if you can help it. I have the Chase Sapphire Preferred, which is great for primary rental coverage, but they wouldn't acknowledge it and forced an extra expense. Having just come off a flight I didn't have the mind to fight any harde...
by ellvizzle
Fri Jan 26, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: April in Paris - Your favorites or suggestions?
Replies: 48
Views: 3212

Re: April in Paris - Your favorites or suggestions?

I highly recommend contacting Paris Greeters (just google that) -- you can connect with a local who volunteers to show visitors around their city to show it off. Really nice cross-cultural exchange. And free :) . we've met with Greeters in a number of cities. A couple of years ago the woman we met i...
by ellvizzle
Mon Jan 15, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 4906

Re: Considering PhD...but so much to consider...

Speaking from personal experience (completed PhD 5 years ago and now work in education data management and analysis) just be certain you really do, heart and soul, want to go through the process and commit these years of your life. It's a pretty grueling experience that a minority actually complete,...
by ellvizzle
Sun Jan 14, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: "EBATES" - For real, or scam ?
Replies: 14
Views: 2147

Re: "EBATES" - For real, or scam ?

I would add--whenever I'm doing some online shopping I always check at evreward.com first to see where the best cash back reward is for that particular site (whether ebates, mrrebates, airline portal,etc.). Always a nice little bonus.
by ellvizzle
Sun Aug 13, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 20
Views: 3443

Re: Tub/shower/bath cleaners...your recommended products?

My latest miracle discovery has been using the Barkeeper's Friend spray (much easier than the powder version) with stainless steel scrub pad. Works great on glass and stall floor, etc. We're on a well so deposits seem to build up relatively quickly.
by ellvizzle
Sun Aug 13, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 23775

Re: Life at crossroads. What would you do ?

Why do you have to work for a tech company? Pretty much every company in every industry has an IT department....and it's not easy to find good candidates for upper level positions. With your tech background **and** an MBA, I would think you'd be a very attractive candidate for a myriad of companies...
by ellvizzle
Sun Aug 13, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 110
Views: 243669

Re: Experience selling car to Carmax?

I recently was trying to sell my 2006 Hyundai Tucson. While mechanically it was in very good condition and I'm sure had many more miles to go, it did have some noticeable hail damage and a cracked windshield. I tried to sell on Blinker, but didn't see much action. Went to CarMax to see what they'd o...