Search found 226 matches

by dalbright
Sat Jun 06, 2020 4:17 pm
Forum: Personal Investments
Topic: Ally, CIT Bank, Capital One, Marcus Bank -- Choice for CDs
Replies: 10
Views: 1522

Re: Ally, CIT Bank, Capital One, Marcus Bank -- Choice for CDs

FWIW I just opened an Ally account last week for a no penalty 11mo CD. Took maybe 5min total and was super easy. Have recommended the option to family as well.
by dalbright
Mon May 18, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1290

Re: Sump Pump Dual System

How often does your pump cycle at a peak storm such as last night if you are in the western chicago suburbs? Depending on your sump basin size and cycle frequency you can help figure out if a bigger pump is needed for you or not. Biggest benefit is making sure your downspouts are farrrrrrr away from...
by dalbright
Fri May 15, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: [Direxion’s QMJ long short fund]
Replies: 48
Views: 2078

Re: [Direxion’s QMJ long short fund]

Thanks for the post on QMJ as it was not an ETF I was familiar with!
by dalbright
Fri May 08, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8809

Re: Percentage of savings to "prepping"?

I feel like its not a set percent as many of the things are fixed costs and not consumed ongoing. You could get a supply of non-perishables or things with longer dates and rotate your stock with your trips. If you do buy stuff, a generator, possibly natural gas whole house or portable depending on s...
by dalbright
Fri May 01, 2020 1:12 am
Forum: Personal Consumer Issues
Topic: Clogged Drain Tile?
Replies: 11
Views: 1017

Re: Clogged Drain Tile?

Run time isnt abnormally high . Be sure to replace the check valve periodically or use a clear one to ensure its not backflowing on you as well.
by dalbright
Tue Apr 21, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Lawn care schedule
Replies: 83
Views: 8765

Re: Lawn care schedule

I'm no expert on the potential chemical interactions but I would just be sure to use a crabgrass product without the fertilizer in this instance as you would not want to double up on that part right away.
by dalbright
Fri Apr 17, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: T-Mobile Connect - $15/mo 2GB
Replies: 27
Views: 2687

Re: T-Mobile Connect - $15/mo 2GB

Following as I have two lines with straighttalk and did not realize that others were so much cheaper now! Would like to get newer phones as we have the old iphone SE version...
by dalbright
Wed Apr 15, 2020 7:50 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 25164

Re: IRS Get My Payment up and running

Had to put my info in as well since owed this year on federal. Please update if anyone who had to put in this extra info either gets the direct deposit or when a possible date for funding it is announced.
by dalbright
Fri Apr 10, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Sump pump recommendations
Replies: 26
Views: 1724

Re: Sump pump recommendations

Zoeller's are great. I used a liberty pump for mine but both companies offer quality products. My choice was only to match one that i had in a different location if I needed to swap for some reason. I installed a levelguard electronic float switch as well. Got all of my stuff online from sump pumps ...
by dalbright
Tue Mar 17, 2020 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Over FDIC Limit
Replies: 25
Views: 1493

Re: Over FDIC Limit

GMCZ71 wrote:
Tue Mar 17, 2020 8:22 am
Find a local bank that is part of the CDARs program. You can put a million into that bank then it separates it then spreads it out among the network of banks in the form of CD's.
Neat, thanks!
by dalbright
Mon Feb 17, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 28114

Re: Protection Against Home Intruders

Do not leave you car unlocked. If you park outside you should never leave a garage door opener in the car as this allows easy access the the garage itself and often the entire house. The amount of car thefts out here with unlocked cars with the keys inside is astounding...
by dalbright
Mon Feb 17, 2020 8:36 pm
Forum: Personal Investments
Topic: Strips
Replies: 3
Views: 703

Re: Strips

Give it a few days and it should show up in there. If it was the 15th the market was closed and still is for the holiday today.
by dalbright
Fri Feb 14, 2020 11:13 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 12844

Re: Lincoln Investments "Participant Directed Platform"

Just an update to anyone who may have Lincoln as a 457/403 option, my wife's PDP through them is now funding properly. The pdf form that others have discussed is still valid. You will need to start with that form in order to get the ball rolling with Lincoln. You can then after some time (about a we...
by dalbright
Fri Jan 31, 2020 7:11 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 12844

Re: Lincoln Investments "Participant Directed Platform"

Looks like my plan is setup and will hopefully go through within the next few payrolls. For those with the PDP accounts are you able to make any trades to other funds in the account, rebalance, etc or is it purely buy and hold. The website at this point did not give any trading options so I was just...
by dalbright
Wed Jan 22, 2020 9:20 am
Forum: Personal Investments
Topic: GSE Bond AntiTrust Class Action Settlement
Replies: 10
Views: 1020

Re: GSE Bond AntiTrust Class Action Settlement

Interesting, I just got one too for my wife in the mail today. Must have been from buying a few housing bonds in her IRA at one point. It would be nice if they gave some idea of the financial payout to the end user to see if it was even worth the time and effort vs the credit co fiasco of late.
by dalbright
Wed Jan 08, 2020 9:45 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 12844

Re: Lincoln Investments "Participant Directed Platform"

OK, great! So far as we know, the Participant Directed Platform is only allowed in NJ, a few districts in NY, and in the Chicago area. Keep hoping new areas will turn up. For those that set up an account and went through the paperwork, do you recall what you put in the advisor branch info section s...
by dalbright
Fri Jan 03, 2020 12:30 pm
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 12844

Re: Lincoln Investments "Participant Directed Platform"

krow36 wrote:
Fri Jan 03, 2020 12:16 pm
dalbright wrote:
Fri Jan 03, 2020 7:15 am
I received the form so it appears to be available for me, hooray!
Congratulations on getting the application form! Is your wife's district in the Chicago area?
Correct! Suburb of Chicago :)
by dalbright
Fri Jan 03, 2020 7:15 am
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 12844

Re: Lincoln Investments "Participant Directed Platform"

Happy New Year! Kindly let us know how you make out with the PDP, or if you need any help. I received the form so it appears to be available for me, hooray! Did you have to list an advisor/branch on the form if doing the PDP program in order for your school to process it properly? I'm doing this on...
by dalbright
Wed Jan 01, 2020 2:22 pm
Forum: Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 72
Views: 12844

Re: Lincoln Investments "Participant Directed Platform"

I'm going to be trying this this soon as my wife lacks good options for her IL teacher 403/457's. Seems like the PDP is the way to go so I hope i have some luck setting it up for us to start the new year!
by dalbright
Tue Dec 24, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Time to replace the Water Heater - Lots of Questions - Help!
Replies: 77
Views: 5835

Re: Time to replace the Water Heater - Lots of Questions - Help!

Rheem, aosmith, and bradford white are the main brands sold. Idk if you have any interest in a self install but you can check supplyhouse.com and zoro for unit pricing. BW units are the same units a consumer can buy, but if u get a rheem unit it should be a "pro" model. The old style thermostats can...
by dalbright
Mon Dec 23, 2019 11:30 am
Forum: Personal Investments
Topic: College gift from great grandparent questions.
Replies: 1
Views: 262

College gift from great grandparent questions.

I was recently told that my soon to be baby's (May 2020) great grandfather may want to help with college cost. My wife and I were not obviously expecting any such assistance so I never really looked into this. He is a very generous person, especially when it comes to education. I have no idea how mu...
by dalbright
Fri Dec 20, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Contacts Training Session
Replies: 12
Views: 708

Re: Contacts Training Session

Thats obscene...shop elsewhere. Providers that offer those additional fees are often unscrupulous in other ways as well that may or may not be so obvious.
by dalbright
Mon Dec 16, 2019 11:20 am
Forum: Personal Investments
Topic: Give Land Back [Bought land from friend, he wants to buy it back]
Replies: 83
Views: 5256

Re: Give Land Back

Although the %'s given may be helpful, actual $ would be more relevant here. Could be a significant % change on a small lot resulting in a few hundred dollars, vs millions if a farm etc. Not worth a hassle and possible loss of friend for a few hundred...but the situation needs to be re-evaluated if ...
by dalbright
Sun Dec 15, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: Too poor to invest - living in the 12% bracket
Replies: 114
Views: 12099

Re: Too poor to invest - living in the 12% bracket

Although it has been mentioned, you would be wise to look heavily into the Saver's credit. I cannot speak to using it personally as I only found out about it recently, but it seems perfect for someone in your situation. https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-saving...
by dalbright
Fri Dec 13, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11253

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

My gym has a small cafe area that I work in for a little while early in the morning with free wifi and free coffee. I work remotely so i get to people watch while working and then get my work out in after. I normally trade places with the retirees. Sometimes working from home can get a bit lonely so...
by dalbright
Thu Dec 12, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Any experience with Mr. Cooper? (Nationstar)
Replies: 11
Views: 859

Re: Any experience with Mr. Cooper? (Nationstar)

Ours got sold to them a few years ago. The only "issues" thus far have been when we decided to switch home insurance companies. There was a problem in which the information they posted to send the bill from the insurance company too was wrong i guess so took a bit of figuring out between the insuran...
by dalbright
Sat Dec 07, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?
Replies: 17
Views: 1926

Re: Water company damaged driveway while directional boring under (acknowledged damage), how to proceed?

Just an update, after near weekly phone calls asking about the status and timeline of the repair, they just finished repaving the 20' section from the main road to just beyond the lift point. Although its later in the season than i would have preferred I'm glad to have it done and over. Being persis...
by dalbright
Tue Dec 03, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Had my roof replaced and and noticed a possible issue
Replies: 39
Views: 2583

Re: Had my roof replaced and and noticed a possible issue

It is sloppy. Nobody can predict whether it will have issues in time, but you did not get what you paid for, a proper valley. My guess is that either a new hire did that, or something slipped while going down the valley and it got crooked. Either way it's obvious it isn't right and they should make...
by dalbright
Sun Nov 24, 2019 8:54 pm
Forum: Personal Consumer Issues
Topic: Bench press and weights
Replies: 59
Views: 4230

Re: Bench press and weights

Relative newby with weights. Use 20lb weights at gym. Would like to get a range from 5 to 30? for me and wifey. Never really done barbells but interested in picking this up I think Please recommend a bench press and weight set. Hopefully compact. Not a lot of space left in my garage gym. Combo or s...
by dalbright
Fri Nov 15, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 750

Re: Condensate pump recommendations wanted

Thanks everyone for the thoughts and recommendations! I'll keep an eye on it as its in a crawl space thus if there's an issue its not a huge deal. I was more concerned about it from the increased water volume from a functional humidifier but I personally have not had issues thus far despite the mini...
by dalbright
Wed Nov 13, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 4364

Re: Snow tires

Do you have them studded? In IL studs are illegal unfortunately so I can't comment on the studs part. We got nokian wrg3's 2-3 years ago for our prius and we love them. My dad just put on the nokian wrg4's and likes them as well. We use them year round to avoid swapping tires. They are winter rated...
by dalbright
Wed Nov 13, 2019 7:10 am
Forum: Personal Investments
Topic: BRK.B
Replies: 22
Views: 3139

Re: BRK.B

Years before I discovered the FIRE movement and low cost index funds, I invested all my money in individual stocks. Some were winners, some losers. A few years ago, after seeing the light, I started selling those stocks whenever they experienced a spike and invested the money in VTI, VOO, and VGT i...
by dalbright
Wed Nov 13, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 750

Re: Condensate pump recommendations wanted

SanityCheck wrote:
Tue Nov 12, 2019 1:59 pm
I've had real good luck with the Little Giant brand. Just occasionally clean out the basin and the check valve; and you should be "good" for a long time !
Good to know, thanks! How often were you cleaning the basin and valve out?
by dalbright
Tue Nov 12, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Condensate pump recommendations wanted
Replies: 7
Views: 750

Condensate pump recommendations wanted

Our house does not have a condensate pump and I am thinking about adding one in soon. I replaced the humidifier that hadn't worked since we moved in which will result in some extra water flow this winter. The current ac and humidifier setup has minimal if any slope and no trap as it joins a pvc drai...
by dalbright
Mon Nov 11, 2019 7:02 pm
Forum: Personal Consumer Issues
Topic: Snow tires
Replies: 54
Views: 4364

Re: Snow tires

Do you have them studded? In IL studs are illegal unfortunately so I can't comment on the studs part. We got nokian wrg3's 2-3 years ago for our prius and we love them. My dad just put on the nokian wrg4's and likes them as well. We use them year round to avoid swapping tires. They are winter rated ...
by dalbright
Mon Nov 11, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Water hammer
Replies: 27
Views: 2322

Re: Water hammer

Also need to consider ice makers and house humidifiers as well which can create similar sounds. Can be a combination of a lot of factors as well such as for example a solenoid closing in a unit and the actual problem is a bad mixing valve on a faucet or the expansion tank like was mentioned by anoth...
by dalbright
Sun Nov 10, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Cashing EE bonds
Replies: 12
Views: 738

Re: Cashing EE bonds

I've cashed ee bonds last year and this year at Chase without problem. Be sure to keep an eye on the $$$ figures yourself just in case as they never sent me any tax forms other than a receipt at the time of service. I tabulated it all online prior to the visit to make sure the numbers were accurate....
by dalbright
Sat Nov 09, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: What is this sound in the house?
Replies: 37
Views: 5071

Re: What is this sound in the house?

Mouse trap time!
by dalbright
Tue Nov 05, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6231

Re: Stinky Front Loader (Washer)

We used lemi-shine and that helped significantly with the smell. Ours used to have a strong mold/mildew smell and washing a load without clothes with this product once every few months made an amazing difference. I thought the lemon smell just masked it but days later it still smelled normal. Highly...
by dalbright
Sun Nov 03, 2019 2:12 pm
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 960

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Once FSA became available, we used it every year, though not at the max level. You may be surprised how much you pay out of pocket each year. For us: Well baby visits. Twice a year dental cleanings x2. New glasses every other year x2. Prescription out of pocket. other deductible and co-pays. Ya, I ...
by dalbright
Sun Nov 03, 2019 1:50 pm
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 960

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

I also feel that it may be best to start using the traditional retirement accounts to an extent as we have been fortunate to have more income lately which has us in the 22-24%...... Unless you are in a special situation(which is possible) traditional deductible a retirement accounts are an easy def...
by dalbright
Sun Nov 03, 2019 1:47 pm
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 960

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Do you have anything in tax-deferred accounts (e.g. traditional IRAs, traditional 401k)? I forgot to add that my wife does have a tier 1 teachers pension from IL (but no SS) which will nice presuming its there in its current form, but i'm not planning around any specific amount here due to too many...
by dalbright
Sun Nov 03, 2019 8:45 am
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 960

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Ya we have some set aside for emergency fund to hit the oop max and if needed home stuff but we try and budget for home repairs on an ongoing basis. The mortgage payment also would be dropped to 1500 if necessary to cover major unanticipated needs. We based our original budget to a large extent on s...
by dalbright
Sun Nov 03, 2019 8:20 am
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 960

Re: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Only a very small amount via the 4% company match for my Roth 401k technically, so for all intensive purposes none in traditional tax deferred accounts. Seems to be a good time to diversify this?
by dalbright
Sun Nov 03, 2019 7:58 am
Forum: Personal Investments
Topic: Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.
Replies: 14
Views: 960

Updating retirement planning roth vs. traditional and FSA use with an unexpected surprise.

Due to some positive life changes and ongoing learning from this site I'm now at a crossroad where I'm re-evaluating our savings options for retirement and the possible addition of a FSA. As of a few months ago we found out that we are going to be having a child in May after six years of trying! Thi...
by dalbright
Tue Oct 29, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Furnace air filters
Replies: 37
Views: 3285

Re: Furnace air filters

https://www.menards.com/main/heating-cooling/air-filters/true-blue-reg-basic-merv-7-pleated-air-filter/216201-ns/p-1444451609285-c-6856.htm?tid=138151914756711536&ipos=1 I guess it depends on how dusty/dirty your current filter gets too at the interval you ACTUALLY change it and how long your fan ru...
by dalbright
Fri Oct 25, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 4473

Re: HVAC fan ON or auto?

Interestingly I've noticed that every day at 1040am my fan in the ON setting shuts down for maybe one second maximum and then starts going again. Must be some sort of old thermostat quirk. Picking up a new ecobee with remote sensors this week and moving the thermostat as well as running 18/8 wires a...
by dalbright
Fri Oct 25, 2019 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Reduce roth 401(k) to just match to prepay mortgage?
Replies: 51
Views: 3123

Re: Reduce roth 401(k) to just match to prepay mortgage?

Without your exact numbers for mortgage rate and debt to equity its hard to say for sure. That being said have you run calculators to see how much you would save over the remaining years of the mortgage as well as how much sooner the payoff period would be? Another factor is how long you plan to spe...
by dalbright
Thu Oct 17, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 4473

Re: HVAC fan ON or auto?

It seems to have definitely made the house more comfortable thus far but it's strange getting used to the fan being on all the time. We have a few remaining original windows that the prior owner did not upgrade that are on the to do list in the future which will help. I've significantly upgraded the...
by dalbright
Thu Oct 17, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: HVAC fan ON or auto?
Replies: 42
Views: 4473

Re: HVAC fan ON or auto?

Designairohio wrote:
Wed Oct 16, 2019 12:50 pm
Arzel zoning system
Interesting, thanks for the product name!