Search found 96 matches

by Figuring_it_out
Mon Dec 02, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Need Advice for Cheap Wireless Plans
Replies: 23
Views: 1712

Re: Need Advice for Cheap Wireless Plans

Willing to work for it? Do they have Xfinity internet (currently cheap at 25/month for 1 year) If so there is a deal for $250 off a new phone. You can pick one of the cheaper phones for sat $350. Then get a Chase Freedom unlimited which has a $200 cash back on 500 spent. You can get the phone at 350...
by Figuring_it_out
Wed Nov 27, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: 6 x 9 car speakers
Replies: 13
Views: 999

Re: 6 x 9 car speakers

https://www.amazon.com/JBL-GTO939-Premi ... B00C76YXMQ


Do it once and be done with it. These are superb.
by Figuring_it_out
Mon Nov 25, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Mom's Diamond
Replies: 67
Views: 4688

Re: Mom's Diamond

I would find out why the appraisal is 40K? is it especially rare color or clarity? Is there any other "lineage" to the ring being pass down through the generations that links it to someone famous? If its a typical diamond ring, look on common ring outlets and find out what the selling prices are. 3c...
by Figuring_it_out
Sat Nov 16, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2432

Re: Tech guys need help with Mesh wifi booster...

I'd give the booster route a try again. ... Worth a try before going with the expense of a MESH. Many times its just the setup that is the problem with repeaters. I must admit it took a few youtube video watchings to figure mine out. but saved a couple hundred dollars. I say this with respect: ther...
by Figuring_it_out
Mon Nov 11, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 48
Views: 2432

Re: Tech guys need help with Mesh wifi booster...

I'd give the booster route a try again. I have A TP-Link one at $30 from amazon. Don't get a cheapest one. Setup is easy but there are some tips. 1) follow the instructions slowly and carefully. 2) If the router is on one end of the house, put the repeater somewhere in the middle. Make sure the repe...
by Figuring_it_out
Sat Oct 19, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 779

Re: will tradng Slumberger (SLB) trigger foriegn taxes?

I'm trying to get a definitive answer on if that home base is Houston or Paris. if googled till my eyes are crossed and cant find an answer. maybe because it is a non-issue? So IF there is a foreign tax how does that work? If the dividend is supposed to be $10 to me and France withholds 25%, then I ...
by Figuring_it_out
Sat Oct 19, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 779

Re: will tradng Slumberger (SLB) trigger foriegn taxes?

Anyone own SLB stock and get dividends and had to deal with foreign taxes?

How difficult are foreign taxes on dividends to deal with?
by Figuring_it_out
Thu Oct 17, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: will tradng Slumberger (SLB) trigger foriegn taxes?
Replies: 6
Views: 779

will tradng Slumberger (SLB) trigger foriegn taxes?

I have some play money and I want to trade SLB. My family is a long time oilpatch group so i understand the chaos of oil price volitility and its impact on the service providers. This is strictly non-bogle approved speculative trading so no beatings please. Im curious if i trade and generate profits...
by Figuring_it_out
Wed Oct 16, 2019 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Chase "You Invest" account - Biggest complaint
Replies: 24
Views: 3897

Re: Chase "You Invest" account - Biggest complaint

Yes I'm not impressed. Once I get my $625 signup bonus+ min holding period I'm out of there. bare bones stock trading screen. Balance vs available balance is odd to see. You have to be on the trading screen to see what cash has cleared the 4 day hold the put on ACH transfers in. No calculator or liv...
by Figuring_it_out
Fri Sep 27, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 9705

Re: Beyond Meat Burger? Do you like?

mix them 50/50 with soempink slime ground beef from the tube and douse them with salt and they taste like the resl thing.
by Figuring_it_out
Thu Sep 19, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 5418

Re: $2k repairs on $12K car

I looked at how I could cheap out on some of these things but you specifically said you did not want (you could do it cheaper) advice. That said the cheapout prices were not dramatically differnent that what you have here.

I'd say close your eyes and do it and be happy for another 60K miles.
by Figuring_it_out
Thu Sep 19, 2019 8:18 pm
Forum: Personal Consumer Issues
Topic: Zinus Mattress - 8, 10, 12, or 14 Inch?
Replies: 9
Views: 1209

Re: Zinus Mattress - 8, 10, 12, or 14 Inch?

Do those still stink when you first open the package. I got a foam mattress from walmart a few years ago and it stunk for about 2 months. Constantly airing out the room with a box fan in the window.
by Figuring_it_out
Thu Sep 19, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: How to handle "split-the-bill" group lunches?
Replies: 159
Views: 8429

Re: How to handle "split-the-bill" group lunches?

If its infrequent (once a year) no biggie. Let the good times roll. If its frequent then a conversation needs to be had. Most people are so care free with money they don't realize they are jipping the lower cost eaters at the table. "Its just money...whateverrrrrr.." But think of it this way. If it ...
by Figuring_it_out
Tue Sep 17, 2019 6:21 am
Forum: Personal Investments
Topic: Annuity question
Replies: 19
Views: 1903

Re: Annuity question

Anyone have the details on a similar annuity that they got the detailed paperwork on? So you put the money in up front and it magically grows to double in 10 years. Then they give you 6% of that final amount for the rest of your life. This is the headline. I'm looking for the gottchas for the invest...
by Figuring_it_out
Mon Sep 16, 2019 8:51 pm
Forum: Personal Investments
Topic: Annuity question
Replies: 19
Views: 1903

Annuity question

I got pitched but an agent a fund that offered to take a $400k initial investment and grow it to $800K in 10 years. Then offered a 48K/year for life guarantee. I said NO out of hand, but now I'm wondering if I should have at least looked at it. I tried looked up annuities online and they don't give ...
by Figuring_it_out
Tue Aug 27, 2019 5:52 am
Forum: Personal Finance (Not Investing)
Topic: American Express Personal Savings rate dropping from 2.10% to 1.90% tomorrow (08.22.19)
Replies: 19
Views: 1867

Amex Money market just dropped to 1.9%

[Topic merged here -- mod oldcomputerguy] I was in the Amex money market at 2.1% for most of this year. It wasn't great but not bad either. Now that it has dropped to below 2% I'm looking for better places for safe money to hide out for the next year or two. I have PCOXX at TD ameritrade, FLOT and ...
by Figuring_it_out
Tue Aug 27, 2019 5:40 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8726

Re: How to help an employee who is in debt and requesting a loan

Dave would say you could get a serviceable care for less than 4000. It will be ugly as sin rust bucket and not good for cross country but will run to school and work just fine. Sounds fishy to me. My deal when someone ask me for money is they get a full blown personal finance review before it is giv...
by Figuring_it_out
Thu Aug 15, 2019 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I lower my life insurance policy amount?
Replies: 14
Views: 943

Re: Should I lower my life insurance policy amount?

Yes, You're in Houston which is one of the best cost of living cities in the US relative to the income levels available. Use that income to reduce your debts to ZERO. Dave Ransey is a good place to start if you are not familiar with him. Once your debts are wiped out all of your income can be used t...
by Figuring_it_out
Sun Aug 04, 2019 10:26 pm
Forum: Personal Investments
Topic: Help in choosing my Bond Fund for my asset allocation.
Replies: 18
Views: 1708

Re: Help in choosing my Bond Fund for my asset allocation.

dont know about them but im in AGG and FLOT now. the nav on agg moves more but flot currently dumps 2.8%. agg 2.7%
by Figuring_it_out
Sun Jul 21, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC checking bonus
Replies: 17
Views: 1619

Re: HSBC checking bonus

I have questions about the same bonus plan. Can the 5K/month come from another banks billpay plan. This works for the USAA 2.5% card that requires a 1000/month "direct deposit" into the USAA checking. As long as you push money into the bank they count it.
by Figuring_it_out
Sun Jul 07, 2019 6:33 am
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 3633

Re: VTI vs VTSAX

LGLV is another option at TD Ameritrade. Comission free investing. long term chart looks good.

I own it and SPTM. LGLV should be less volitile if the market takes a small correction.
by Figuring_it_out
Sat Jun 01, 2019 6:36 am
Forum: Personal Finance (Not Investing)
Topic: CD/bond with capital appreciation keep or sell calculator
Replies: 1
Views: 136

CD/bond with capital appreciation keep or sell calculator

i have some new issues cds and bonds that i bought at the peek of interst rates. they sre up 3% for the year aldeady, i remeber seeing a calculator that showed the tradeoff of keeping the cd or selling it and buying a current market interest one to see what the gain loss is. i think it worked the ot...
by Figuring_it_out
Sat May 25, 2019 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Stock tracker app recomendations for android
Replies: 3
Views: 261

Stock tracker app recomendations for android

Im currently using yahoo finance but they have lots of ads that burn up data. Im on a 1gig plan and they app is consuming 100meg/month. This seems high to me. Looking for good app with no ads (one time payment not subscriotion model). Found a few i liked but they require monthly or annual payments. ...
by Figuring_it_out
Sat May 18, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Multi owner property sale with missing owners
Replies: 12
Views: 1588

Re: Multi owner property sale with missing owners

This person may be aminable to sell their portion of the house to the 5. This means they get their portion now vs later when the house sells. How is something like this officially done.
by Figuring_it_out
Sat May 18, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Very High Net Worth, elite private or “good” public
Replies: 278
Views: 19818

Re: High net worth, elite private or “good” public

I'm in a similar situation and I choose my kids to go the public school. I am very involved with the teaching process for the kids so their education is not completely "outsourced." good refresher for me as well and while I'm learning those "stupid" vocabulary words, I'm also teaching them my tricks...
by Figuring_it_out
Fri May 17, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Multi owner property sale with missing owners
Replies: 12
Views: 1588

Multi owner property sale with missing owners

My family owns a property in Louisiana that has 6 owners. Each owns equal share of the property (inheritance). The property has a house on it and is valued at ~400k. One of the owners is hostile with the other 5 and refusing to sell simply to be a pain. :/ The other 5 are in agreement to sell. Can t...
by Figuring_it_out
Fri May 17, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Paper EE savings bonds adding a POD
Replies: 2
Views: 351

Paper EE savings bonds adding a POD

I have some EE savings bonds with no POD. They will expire in the next 5-10 years from now and i would like to list my niece as the POD beneficiary just in case. This avoids probate getting in the way of these bonds. The total is ~$20k I would sell them but there are many that are making rates bette...
by Figuring_it_out
Fri May 03, 2019 6:09 pm
Forum: Personal Investments
Topic: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?
Replies: 83
Views: 6928

Re: At 28, I Don't See How I Can Make Any Projections for My Retirement Amount or Age?

My engineering professor said. “In anything a plan is essential but often useless” Didn’t understand that until later in life. What a projection did for me was to show me a pretty “what if” scenario. It one of many outcomes but one nonetheless. When you get tired of saving so much you cal look to th...
by Figuring_it_out
Thu May 02, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: Car shopping advice (sanity check)
Replies: 56
Views: 5606

Re: Car shopping advice (sanity check)

Thanks for the feedback. You pretty much read me well. I am in my 20's still saving, only been working 2 years. Well, I don't plan on taking out a loan... you mentioned a 1 year bank loan -- is this advisable if I can pay it off in cash ? Also, like I mentioned, I currently won't use the car much a...
by Figuring_it_out
Wed May 01, 2019 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1147
Views: 323280

Re: Share your net worth progression

2006 550k 2008 550K 2010 900K 2012 1.1M 2014 1.5M 2016 1.9M 2018 2.3M now 2.5M House is 200K, Cars are kept well over 10 years and well maintained by myself. 2 kids under 14. Total W2 income is ~ 200K and has grown at ~ 3%/year no big job changes or raises. I shift between 70/30 (stock/bond) and 40/...
by Figuring_it_out
Wed May 01, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Car shopping advice (sanity check)
Replies: 56
Views: 5606

Re: Car shopping advice (sanity check)

From a purely financial view its cheaper to fix the old car properly (not bandaid) and get as much as you can out of it. 140K and 1008 is not that old for todays cars. They run out to 200K miles regularly with regular oil change and transmission fluid service. However, the tone of your post makes me...
by Figuring_it_out
Sun Apr 28, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 70
Views: 6963

Re: save on interest by paying down mortgage principal

no way to tell without particulars on your mortgage
by Figuring_it_out
Sat Apr 27, 2019 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Combine goodRX with Aetna Medicare Advantage PPO
Replies: 2
Views: 345

Combine goodRX with Aetna Medicare Advantage PPO

My mom has Aetna Medicare Advantage Freedom PPO insurance which included a prescription plan. She is in her late 70s and lives alone but is quite independent. Recently she went to the minor emergency clinic for a spring cold and got a fist full of prescriptions. All were generics abut two of them we...
by Figuring_it_out
Wed Apr 24, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Possible Divorce: Pension & Job Options
Replies: 47
Views: 5178

Re: Possible Divorce: Pension & Job Options

Yeah. IANAL, but she’s going to clean you out. Her family money is irrelevant. Her family money is relevant. They will buy her the best divorce attorney available. Its cheaper to keep her is a very true statement. This is an investment worth investing in. If you can hold on until the kids are out o...
by Figuring_it_out
Mon Apr 15, 2019 7:13 pm
Forum: Personal Investments
Topic: 40 years old and just trying to figure it out
Replies: 47
Views: 7223

Re: 40 years old and just trying to figure it out

{Edit with additional info per ruralavalon's request} CCs: BoA 27.74% $13,384.92 - Balance is at 0% promo APR Discover 20.24% $9303.87 - Balance is at 0% promo APR Citi Costco 17.49% $12,565.12 - $10,300 of balance is at 0% Promo APR. Remaining balance slated to be paid off in a month Chase Amazon ...
by Figuring_it_out
Sat Apr 13, 2019 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement simulation
Replies: 2
Views: 489

Early retirement simulation

Where are the best online simulators for FIRE type retirement modeling?
by Figuring_it_out
Fri Apr 12, 2019 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Own/Operate a Funeral Home?
Replies: 16
Views: 1853

Re: Anyone Own/Operate a Funeral Home?

Funeral homes are getting a bad reputation of taking advantage of grieving families and grossly overcharging for coffins. I can attest with my dads coffin costing near $10K. Later found the same spec coffin (same steel type and gauge and paint color) for $1000 online. From the pictures it looked lik...
by Figuring_it_out
Wed Apr 10, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security survivor benefit
Replies: 9
Views: 1310

Re: Social Security survivor benefit

This would be in addition to life insurance. Wifey is more comfortable with regular income than a lump sum. She’ll get both.
by Figuring_it_out
Tue Apr 09, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security survivor benefit
Replies: 9
Views: 1310

Re: Social Security survivor benefit

thanks, Thats an interesting angle on the kids getting the full amount and but wife gets nothing. Does a 529plan count as the kids? they are too young to take out their own i guess. they have social security numbers so i guess it is possible. curious they leave it to the kids and not to the parent t...
by Figuring_it_out
Tue Apr 09, 2019 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Social Security survivor benefit
Replies: 9
Views: 1310

Social Security survivor benefit

Got an email today to do an annual check on my social security benefits. I went to my own bookmarked link (never click an email link) and saw my benefits were where I thought they should be. I have a wife and three kids under 12 and when I pointed out that she would be entitled to a death benefit if...
by Figuring_it_out
Mon Apr 08, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: USAA: Brokerage Acct Disappeared
Replies: 8
Views: 1028

Re: USAA: Brokerage Acct Disappeared

I could not imaging the shock of this! Glad you are back whole again but I would still call for an explanation.

:shock:
by Figuring_it_out
Mon Apr 08, 2019 6:05 am
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 2161

Re: best card bonus for $500 in spend in 3 months

I'm under 45 and working on rolling the 7th figure for the 3rd time. OK now I have a few questions about this thread. Why do you care about $150? Believe me I have tapped the other cards with the $500 bonus a few times. The wife and I flip flop. This time I didn't want to go through changing my aut...
by Figuring_it_out
Sun Apr 07, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 2161

Re: best card bonus for $500 in spend in 3 months

Here are all of the $500 bonus cards I have done in the last 18 months or so: (i have not checked if they stll offer the bonus) Chase Saphire Barclay Arrival Capital One Venture Rewards Citi Thank you Premier Capital One Savor I was actually looking for a card that offered a large bonus for $500 in...
by Figuring_it_out
Sun Apr 07, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 2161

Re: best card bonus for $500 in spend in 3 months

I would like to be the one to say money is fungible. Why don't you pay 250 for the phone and then get a card to save some money on your next car insurance bill? I guess I mention it because I wonder if this approach to money is causing you to make sub-optimal decisions in the rest of your financial...
by Figuring_it_out
Sun Apr 07, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 2161

Re: best card bonus for $500 in spend in 3 months

Here are all of the $500 bonus cards I have done in the last 18 months or so: (i have not checked if they stll offer the bonus) Chase Saphire Barclay Arrival Capital One Venture Rewards Citi Thank you Premier Capital One Savor I was actually looking for a card that offered a large bonus for $500 in...
by Figuring_it_out
Sun Apr 07, 2019 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: best card bonus for $500 in spend in 3 months
Replies: 23
Views: 2161

Re: best card bonus for $500 in spend in 3 months

Chase Disney was $200 back for $500 last year. Appears it still is. There are bigger bonuses out there but if you can only get $500 in spend this is likely the best you'll find. Card becomes more or less useless afterwards though (no good ongoing rewards). https://www.doctorofcredit.com/best-curren...
by Figuring_it_out
Sun Apr 07, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: "Worried about being pushed into 'higher tax bracket' "
Replies: 25
Views: 2265

Re: "Worried about being pushed into 'higher tax bracket' "

I had this very discussion with my brother in law over Christmas. He turned down Christmas overtime because once he makes over a certain threshold "Uncle Sam gets it instead of him". :shock: :oops: I slowly sipped my eggnog and gave a comforting mmmmhhhhhmmmm... :beer He was not interested in learni...
by Figuring_it_out
Sun Apr 07, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: USAA: Brokerage Acct Disappeared
Replies: 8
Views: 1028

Re: USAA: Brokerage Acct Disappeared

I bet you'll be saving those monthly statements from now on. :) That would pucker me up real good with no evidence I ever had that account.