Search found 25 matches

by cubby08
Mon Nov 19, 2012 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Death to ING Banking.... dang you Capital one....
Replies: 46
Views: 11924

Re: Death to ING Banking.... dang you Capital one....

I just transferred my Efund from ING to my checking acct, and will move it to Ally once it arrives. Not an enormous amt ~20K, but I had a horrible series of customer service experiences with capital one 10 yrs ago, and I have no intention of using them again.
by cubby08
Thu Oct 11, 2012 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Bank in NYC? Experience w Chase or First Republic?
Replies: 17
Views: 2950

Re: Bank in NYC? Experience w Chase or First Republic?

I've used Chase, BOA, and have been using TD Bank (formerly Commerce before they were purchased) for the last 5 years. Service is leaps better than the larger banks. Advantages: - great hours - plenty of ATMs - best customer service - when you call them, a person picks up. no computer operator. - Lo...
by cubby08
Mon Jul 30, 2012 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding on what to cut from our budget?
Replies: 33
Views: 6064

Re: Deciding on what to cut from our budget?

I revisited my expenses earlier this year, and took a hard look at monthly recurring payments: - cancelled landline, never really used. My cell works fine, and for that very rare call which needs to be done with a landline, I can use work - downgraded our cable package, all in cost with internet per...
by cubby08
Sun Jun 03, 2012 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Student loans help!
Replies: 7
Views: 1263

Re: Student loans help!

If there are any 0% credit card BT offers out there with no 3% transaction fee, or capped fee, you might be able to transfer off a bunch at 0% for the year. Just have to be ready to payoff that amount in full at the end of the year or 18 months that it's 0%.
by cubby08
Tue Apr 03, 2012 12:16 am
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 10307

Re: How should one deal with adult children's finances?

dalerobk, I agree completely. I will be treating my own children the same way, I'll be supporting each of them equally whatever career path they choose The funny thing is that most people on this forum dislike their work enough that they count down the days until they can retire from work, yet they ...
by cubby08
Mon Apr 02, 2012 11:51 am
Forum: Personal Finance (Not Investing)
Topic: How should one deal with adult children's finances?
Replies: 144
Views: 10307

Re: How should one deal with adult children's finances?

It depends on the relationship between parent and child, and the underlying culture. I have a good friend who lived at home from the ages of 22 to 26 while working full time also saving close to six figures every year. He married a woman who did the same, they bought a nice 500K house with more than...
by cubby08
Mon Mar 19, 2012 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Duration vs average weighted maturity in a bond fund
Replies: 9
Views: 2191

Re: Duration vs average weighted maturity in a bond fund

Duration reflects the timing of all payment streams from a bond including coupons and principal amortization. Maturity date is just the final principal payment
by cubby08
Mon Feb 06, 2012 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: What skills to learn to improve career options?
Replies: 29
Views: 2827

Re: What skills to learn to improve career options?

Are your grades and/or testing skills good enough for you to land either a top 10 full time MBA program, or a top 5 PT MBA program?
by cubby08
Sun Jan 29, 2012 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Ethics Question: Unemployment
Replies: 49
Views: 7277

Re: Ethics Question: Unemployment

In response to some questions: The first 26 weeks (24 or 25 in some states) are paid by employer taxes which are deposited in the UI Trust fund. Currently 22 states are not solvent and the rest are. Those states which are not solvent have an automatic tax increase. If you want to see who is solvent...
by cubby08
Tue Jan 10, 2012 12:46 pm
Forum: Personal Consumer Issues
Topic: Glad it wasnt an accident but what were my options
Replies: 75
Views: 4878

Re: Glad it wasnt an accident but what were my options

It seems very clear from the description and picture that the pedestrian had right of way. You didn't look right, which you are legally obligated to do.
by cubby08
Mon Jan 09, 2012 5:06 pm
Forum: Personal Consumer Issues
Topic: Cutting the cord on Cable
Replies: 95
Views: 12882

Re: Cutting the cord on Cable

Just cancelled the cable portion of my Time Warner Cable (keeping Internet). This thread inspired me to take a look at my last few months of bills which are in the 150-160 range for cable + broadband. I switched to broadband only for $49, so the tv was costing me $100 a month. For me, its a non-usag...
by cubby08
Tue Dec 20, 2011 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Deceased had CC widow did not know of
Replies: 69
Views: 6517

Re: Deceased had CC widow did not know of

The widow has no legal obligation to pay the debt (nor a moral one IMO).

Can the card issuer attempt to be repaid by the estate? Yes, but in practice they will do not so for $2,000. Not worth the resource commitment
by cubby08
Sun Oct 23, 2011 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend is an heiress, who should pay?
Replies: 197
Views: 17676

Re: Girlfriend is an heiress, who should pay?

Wow, I am shocked at all of the mean spirited posts here. The OP asks for help with his relationship and gets off topic personal attacks on his career instead. OP claims his job "exploits" him. He attacked his own career choice. I still do not think it is appropriate to attack someone because you d...
by cubby08
Fri Oct 21, 2011 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend is an heiress, who should pay?
Replies: 197
Views: 17676

Re: Girlfriend is an heiress, who should pay?

Sounds like you're overthinking things. A year and a half is more than enough for someone in their mid 30s to know what they want. If you're still framing your relationship in terms of money at your age, you should end it and stop wasting each others time. Otherwise marry her, and figure out the res...
by cubby08
Sun Sep 25, 2011 10:11 am
Forum: Personal Consumer Issues
Topic: XM Radio Scare Tactics
Replies: 45
Views: 7195

Bad move to raise prices during a recession, might cancel at our next renewal date
by cubby08
Sat Jun 25, 2011 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Can't have it all: ING savings, taxable, or retirement?
Replies: 6
Views: 1475

Probably would max out the Roth followed by splitting the rest between the 401k and taxable
by cubby08
Thu Jun 16, 2011 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: ING selling it U.S. online banking division
Replies: 47
Views: 11609

I've had really bad experiences with Cap One when I used to have their CC. Think the savings account will have to be moved...
by cubby08
Sat May 07, 2011 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Advice
Replies: 12
Views: 1747

With that kind of increase in base, I think it's an easy decision to take the new job. Your future earnings - bonus, 401k match, future base increases are all geared off your base generally
by cubby08
Fri May 06, 2011 10:42 am
Forum: Investing - Help with Personal Investments
Topic: 401K Funds
Replies: 7
Views: 1777

Thanks for the feedback
by cubby08
Thu May 05, 2011 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Funds
Replies: 7
Views: 1777

Seems like a lot of fund plans like to throw in a "bone" with a low cost domestic index fund (or two, like mine) and then smack you with a lot of funds in the 100 basis point range. What is the guaranteed income fund offering right now? Plus, is the 401K plan your only (non emergency-fund) savings ...
by cubby08
Thu May 05, 2011 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Funds
Replies: 7
Views: 1777

401K Funds

Hello all, new to this forum and have been reading through the wiki and basic threads. I just wanted to post the 401K options I have and get a little feedback. 1) Reading some other threads, it seems most ppl would advise choosing an AA and then allocating that between the S&P 500 index and either t...
by cubby08
Wed May 04, 2011 11:04 pm
Forum: Personal Consumer Issues
Topic: AM/FM Antenna for Travel Trailer?
Replies: 15
Views: 3675

Have you considered a satellite radio? We did consider it, but our understanding was that we'd need to subscribe to the satellite radio service on a regular monthly basis, with an annual contract. Since we only travel a few months out of the year (and wouldn't use the service otherwise), we figured...
by cubby08
Sun Mar 22, 2009 10:56 am
Forum: Personal Consumer Issues
Topic: Should Leno's Contract > $250K Be Taxed Away?
Replies: 16
Views: 2863

Is Leno's compensation an annual bonus, or is salary paid over the year? It does not matter. The 90% tax rate applies to people who have (married filing jointly) income over $250k (and either of them worked in the institution that received TARP money). Whether the excess income beyond $250k comes i...
by cubby08
Sun Mar 22, 2009 10:18 am
Forum: Personal Consumer Issues
Topic: Should Leno's Contract > $250K Be Taxed Away?
Replies: 16
Views: 2863

Is Leno's compensation an annual bonus, or is salary paid over the year? Banks aren't going to turn the entire bonus, paid in arrears, into salary paid over the course of the performance year. They have, like Credit Suisse, however recently been moving towards giving valued employees significant sal...