Search found 84 matches

by Pu239
Sun Jun 16, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 59
Views: 4471

Re: Anyone buy Security Cams from Costco?

I have a general question about these systems that maybe someone can help with. We own an old family homestead with other family members that has scenic views. Can these types of systems be activated remotely to view real-time scenery, weather conditions, etc. or are they strictly automatic motion a...
by Pu239
Sun Jun 16, 2019 12:50 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709312

Re: What's Your Credit Card Rewards Strategy?

Thanks for the update and correction, FrugalProfessor. Next I suppose BoA could deny multiple cards from earning Platinum Honors benefits. I hesitate relying on one company for my entire cash back strategy but adding a BoA card or two w/ Honors should improve the overall return.
by Pu239
Sat Jun 15, 2019 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709312

Re: What's Your Credit Card Rewards Strategy?

Do you get 5.25 for the Costco cash card online purchase from Costco.com when you set your BoA cash rewards category to 'Online Shopping' ? If yes, then, I'm bummed for all these months not taking advantage of this, please let us know FrugalProfessor ! It's documented in the professor's first link....
by Pu239
Fri Jun 14, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Side hustle: car rentals via turo
Replies: 16
Views: 1780

Re: Side hustle: car rentals via turo

I considered Turo a couple years back but decided against it for liability and hassle reasons. I remember reading a story about how a Turo renter let an uninsured friend who had lost his license for a DWI drive the car in violation of the lease agreement. The friend crashed into another car while in...
by Pu239
Thu Jun 13, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Best source for buying Gold Coins
Replies: 55
Views: 3944

Re: Best source for buying Gold Coins

I’m looking to buy my kids some gold coins as presents. I already have them in VG index funds 95%. They are around 30 yrs of age. My thought was for fun gifts instead of cash or clothes for holidays. Any suggestions of best source with least fees to buy some American eagles? If it matters I’m usual...
by Pu239
Tue Jun 11, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Transfer bonuses --- worth the hassle?
Replies: 13
Views: 1703

Re: Transfer bonuses --- worth the hassle?

I, too, am a little skeptical...simply because we've worked so hard to consolidate (as much as we can) our portfolio and keep it simple. I looked yesterday and some of the bonuses are fairly high. Converting from mutual funds to ETFs solely for the purpose of chasing bonuses seems to be my main hol...
by Pu239
Mon Jun 10, 2019 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer bonuses --- worth the hassle?
Replies: 13
Views: 1703

Re: Transfer bonuses --- worth the hassle?

I admit, I've only played with credit card rewards and banking bonuses a few times...but not a lot. Maybe about 6 or 7 years ago, I racked up 1 million airline miles in about a year of hard core credit card bonuses. I remember going to CVS and buying $3,000 in vanilla visa cards for loading. But, I...
by Pu239
Fri Jun 07, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3386

Re: Highly appreciated whiskies

I love Japanese whisky. I started drinking these years ago. They were esoteric but fairly cheap at the time, so I bought a few cases of Yamazaki 12 and 18 yr, Hakushu 12 and 18yr, and Hibiki 12 and 17 yr. J whisky has since gotten really popular, and those bottles now sell for a lot of $. (Like >5x...
by Pu239
Wed Jun 05, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8247

Re: Costco or Sam's Club?

I haven't purchased any clothing at Sams, not keen on the quality (usually buy clothing at Kohl's or Macy's) so does Costco have decent clothing? Recently they've introduced a new aggravation - rotating non-perishable food inventory around the store from time to time. One visit the dog food will be...
by Pu239
Wed Jun 05, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7721

Re: What flagship (even used) item is better than a budget new item?

BogleMelon wrote:
Wed Jun 05, 2019 10:00 am

That makes think, what kind of other products we would be better buying as flagship (even used, if one can not afford them new) better than buying a brand new budget version of the same product?
Contraceptives
Parachutes
Brake pads

...you get the idea.
by Pu239
Wed Jun 05, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8247

Re: Costco or Sam's Club?

I haven't purchased any clothing at Sams, not keen on the quality (usually buy clothing at Kohl's or Macy's) so does Costco have decent clothing? I'm not keen about the clothes at either place. We've been members of Sam's since the 1990s and Costco since the mid-2000s. There are many similarities b...
by Pu239
Tue Jun 04, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 278006

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Rick Ferri wrote:
Tue Jun 04, 2019 9:50 am
Is there a website or Wiki page that keeps current on brokerage transfer bonuses?

Rick Ferri
Also, https://www.doctorofcredit.com/best-bro ... p-to-3500/
by Pu239
Mon Jun 03, 2019 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Cashback cards - what's left for me?
Replies: 29
Views: 2667

Re: Cashback cards - what's left for me?

GaryA505 wrote:
Sun Jun 02, 2019 11:17 pm
Just to clarify, do you need to have $100K at BofA to get the 5.25%?
Yes, or Merrill Edge.
by Pu239
Sun Jun 02, 2019 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cashback cards - what's left for me?
Replies: 29
Views: 2667

Re: Cashback cards - what's left for me?

Why not getting multiple BOA cards? Especially after they revamped the rewards system earlier this year, I have been quite happy, I have a total of 5 non-fee BOA cards and I get: - 5.25% on dining/bars - 5.25% on gas - 5.25% on travel expenses - 5.25% on online purchases - 3.5% on groceries (includ...
by Pu239
Sun Jun 02, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4113

Re: Santa Fe real estate

SC Anteater wrote:
Sat Jun 01, 2019 10:30 pm
unclescrooge wrote:
Sat Jun 01, 2019 8:14 pm
What are you going to do on 2.5 acres?
Garden. And not hear my neighbors.
You won't see too many lush gardens or yards in Santa Fe. Water costs a fortune.
by Pu239
Tue May 28, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Tax return filed 4/3/19, still no refund received. How screwed am I?
Replies: 20
Views: 2637

Re: Tax return filed 4/3/19, still no refund received. How screwed am I?

It's now been 6 and a half weeks. I should have gotten back over $4,000 according to Turbotax. Could the fact that it's taken so long be an indicator that they're going to audit me? I had a low income in 2018 to avoid the Obamacare cliff, and I sold a bunch of stock to get the $7,500 EV tax credit....
by Pu239
Thu May 23, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Plug-in Hybrid tax credit
Replies: 12
Views: 1136

Re: Question on Plug-in Hybrid tax credit

student wrote:
Thu May 23, 2019 6:22 pm
Thanks for the replies.
Here in Colorado, you would qualify for a $5000 state tax credit on top of the Federal credit through the end of this year.
by Pu239
Wed May 22, 2019 11:23 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6725

Re: Is Tesla Going To Survive?

TSLA is now at $192 (down 47%)? Is the company going to survive the next few years? 1. how would I or anyone know? Does anyone have a crystal ball? 2. If I said one way or the other, why would you believe what was written by an anonymous poster on the internet? 3. If I said with confidence what wou...
by Pu239
Wed May 22, 2019 10:13 am
Forum: Personal Finance (Not Investing)
Topic: I evaluated taking SS at age 62 versus age 70
Replies: 67
Views: 5009

Re: I evaluated taking SS at age 62 versus age 70

With a $78m difference in portfolio outcomes for both ages, how accurate can any conclusion comparing the two really be?
by Pu239
Mon May 20, 2019 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 318
Views: 23128

Re: Selling home- Demanding Buyer (Repairs)

Why is your realtor not giving you advice about how to respond to these things? For goodness' sake. If the power company says you can't move it until they do it, then that's the answer?! The agent should be running interference on these nitpicky requests and telling the other agent you're getting p...
by Pu239
Mon May 20, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Completely freaked out about withdrawing from retirement accounts....
Replies: 75
Views: 10234

Re: completely freaked out about withdrawing from retirement accounts....

Somehow, the idea (much less the mechanics) of drawing from my retirement accounts is causing me terrible angst. Right now, I'm kicking this can down the road because when I start drawing the spousal SS, I won't need to touch the cash. But I need to know, is this hesitancy to touch my retirement fu...
by Pu239
Mon May 20, 2019 12:41 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14379

Re: FIRE - What am I missing in the News Stories

Man, I am baffled why people get so worked up about this. It's pretty simple, a lot of people, especially millenials, would rather pursue having a paid off house with 600k in the bank and part-time job at a coffee shop by 35, instead of working at MegaCorp until age 65. This is totally attainable b...
by Pu239
Sun May 19, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Disposing of Residential Landscaping Rocks, Concrete, etc...
Replies: 22
Views: 1838

Re: Disposing of Residential Landscaping Rocks, Concrete, etc...

What's the inexpensive way to dispose of old Landscaping Rocks, Concrete, dirt, misc. residential construction material, etc... Our recurring trash service will only take household trash and some compost. We have already tried the "Free Landscaping Rocks" cragslist,nextdoor posts and had a few bite...
by Pu239
Sun May 19, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14379

Re: FIRE - What am I missing in the News Stories

If there are 52 people who do this, there is a story for every week of the year . Do you suppose they will be checking back in even 2 years, much less in 30 or50 years to see how well this turned out? What's on the news is the unusual. Man bites dog, not the other way around. I would not pay any at...
by Pu239
Sun May 19, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Churning Credit Cards
Replies: 57
Views: 4518

Re: Churning Credit Cards

I was always under the impression that every card that is opened (as well as every loan applied for, etc.) was a hard pull on your credit, and could do a number on your credit score. Good to know that keeping credit utilization ratio low (which we do anyway) will have a more positive impact on one'...
by Pu239
Sat May 18, 2019 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709312

Re: What's Your Credit Card Rewards Strategy?

Yup, easily done. Especially when you factor in earning 2.5% on plastique's 2.5% charge, and floating the child care payment a month. Alternatively, we can cancel, and have the other spouse sign up; rinse, repeat, every year. I just read a new comment on /r/churning that Alliant has stopped paying ...
by Pu239
Sat May 18, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709312

Re: What's Your Credit Card Rewards Strategy?

Yup, easily done. Especially when you factor in earning 2.5% on plastique's 2.5% charge, and floating the child care payment a month. Alternatively, we can cancel, and have the other spouse sign up; rinse, repeat, every year. I just read a new comment on /r/churning that Alliant has stopped paying ...
by Pu239
Thu May 16, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 278006

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Well, so much for this. Instant denial on the BoA Premium Rewards card. The customer service rep on the recon line mentioned too many recent credit card accounts and cited 6 in the last 18 months. I've read somewhere on this forum or maybe DoC that it's better to open a BOA checking account first b...
by Pu239
Wed May 15, 2019 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bank called my business manager
Replies: 49
Views: 5344

Re: Bank called my business manager

Checks are pretty weird because it isn't 1930 and we have computers now. Similarly I am e-communicating with you right now instead of writing you a letter. Try using electronic deposits and transfers and see if the bank thinks those are weird. Yes, but I still live in the 20th century. Want to see ...
by Pu239
Wed May 15, 2019 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Bank called my business manager
Replies: 49
Views: 5344

Re: Bank called my business manager

No, they specifically said cash would not have that restriction. But who these days walks around with a pocket full of cash intending to open an account? A hold of a few days or maybe 10 might be expected but 30 days? First time I've ever run into this restriction. The solution would have been to g...
by Pu239
Tue May 14, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Bank called my business manager
Replies: 49
Views: 5344

Re: Bank called my business manager

Would that be the case if you had deposited some cash, so the bank didn't need to worry about any new fraudulent account (with fraudulent deposits)? RM No, they specifically said cash would not have that restriction. But who these days walks around with a pocket full of cash intending to open an ac...
by Pu239
Tue May 14, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709312

Re: What's Your Credit Card Rewards Strategy?

Yup, easily done. Especially when you factor in earning 2.5% on plastique's 2.5% charge, and floating the child care payment a month. Alternatively, we can cancel, and have the other spouse sign up; rinse, repeat, every year. Ah, the good old days of paying for daycare. I assume they don't take cc'...
by Pu239
Tue May 14, 2019 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Bank called my business manager
Replies: 49
Views: 5344

Re: Bank called my business manager

So I just opened a new bank account. I deposited a check from my investment group. My business manager informed me that someone had called her to inquire if I was a member of the investment group listed on my check. It turned out to be the bank trying in an attempt to 'approve' my check. Is this st...
by Pu239
Tue May 14, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 3851
Views: 709312

Re: What's Your Credit Card Rewards Strategy?

Even at 2.5%, it's worth it to keep doing that and milking the rewards. At 2.5% and with a $99 annual fee, you'd have to spend almost $20,000/yr to break even with a 2% no annual fee card. I have the Alliant card and will be downgrading vg to their 2% no AF version after finding other higher % card...
by Pu239
Mon May 13, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2140

Re: Drill well today or drill well later?

+1. Pumps should be used once the well is drilled. If left idle for 5 years or 15 years, you may find that you need to replace or fix it. There is also the chance of vines, roots and other articles that could make you then maintain the well when you are ready to truly build the property. My earlier...
by Pu239
Sun May 12, 2019 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 7910

Re: Inherited ranch

I wouldn't do a 20 year no interest loan to family. You are already extending a gift to them in the way of a below market price. As has been pointed out, there are other complications with trusting them to make regular payments. Furthermore, the IRS might view the 0% rate as a taxable gift (?). Too ...
by Pu239
Sun May 12, 2019 12:15 am
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2140

Re: Drill well today or drill well later?

Usually the location of a well is based on knowledge of site factors such as locations of structures, septic drain field and possibly hydrogeologic features, some of which must be accounted for when applying for a permit. If drilled now but used much later, the well head must be secured to prevent v...
by Pu239
Wed May 01, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8715

Re: My solar investment experience

We spent about $1,300 per year in electricity. Now we spend less than $100 per year. Hence a $1,200 per year savings. Given that Eversource announced a 19% increase in prices, my savings grew considerably. Agree that conservation is the best first step with the best financial and environmental retu...
by Pu239
Wed May 01, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8715

Re: My solar investment experience

That's not at all uncommon in many places in the country. People love to opine that solar power is 'free' because 'sunshine is free', but by the same token, coal we dig out of the ground is 'free', wind is 'free', etc. Virtually all of the costs associated with power generation are in capturing and...
by Pu239
Wed May 01, 2019 5:54 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7671

Re: Gardening 2019

HEDGEFUNDIE wrote:
Tue Apr 30, 2019 9:09 pm
I have a single avocado tree in my backyard that does not produce any fruit because it does not self-pollinate.

What is the best way to inseminate the tree, short of planting a second tree?
Why not buy an avocado tree and give it to a neighbor, then split the fruit?
by Pu239
Wed May 01, 2019 12:10 am
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7671

Re: Gardening 2019

Zone 5-b. Getting ready to plant Green Gage and Mt. Royal plums, Regent Serviceberry, Mars des Bois strawberry and Triple Crown blackberry plants - delayed by recent snows. Peat bale blueberry plants (local soil is alkaline requiring alternative media) are thriving except our Bluecrop which we will ...
by Pu239
Tue Apr 30, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8715

Re: My solar investment experience

OP - what were your annual electrical costs before installing solar? We considered it back in 2012 it but the payback numbers, based on actual rates and usage over the previous 15 years, weren't all that great. Conservation through energy efficiency and smart use, however, has resulted in halving ou...
by Pu239
Sat Apr 27, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 278006

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Have any folks had experience with Chase Private Client and JP Morgan Securities? They have a $1250 cash promotion going for $250k in assets for only 90 days, so I've been highly considering it. https://www.doctorofcredit.com/chase-1250-bonus-for-upgrading-to-chase-private-client I was initially lo...
by Pu239
Fri Apr 26, 2019 10:09 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1763
Views: 278006

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Have any folks had experience with Chase Private Client and JP Morgan Securities? They have a $1250 cash promotion going for $250k in assets for only 90 days, so I've been highly considering it. https://www.doctorofcredit.com/chase-1250-bonus-for-upgrading-to-chase-private-client I was initially lo...
by Pu239
Thu Apr 25, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12215

Re: What Are Your Simple Pleasures?

Gardening...then watching my hard earned labors pounded into a pulp by summer hail storms.
by Pu239
Mon Apr 22, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly, even lower opinion of financial planners/money managers
Replies: 67
Views: 5903

Re: Suddenly, even lower opinion of financial planners/money managers

This is fascinating. Let us know if and what other financial exams you decide to take with results posted. Pad that resume!
by Pu239
Sun Apr 21, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you play credit card bonus games?
Replies: 97
Views: 6679

Re: After financial independence, do you play credit card bonus games?

We are financially independent with no debt. I do this on a limited basis to support one of my hobbies (coin collecting) - keeps the spouse happy by generating income for a passion she doesn't share and couldn't care less about. Likewise, she self-funds her most expensive hobby. Free money gained th...
by Pu239
Sun Apr 21, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: When to get attorney after car accident?
Replies: 19
Views: 1924

Re: When to get attorney after car accident?

Sorry to hear of your injury. I was injured (fractured ankle) in a motorcycle accident many years ago. Cause was clear and offending driver's insurance company agreed to pay all medical costs early in the process. One of their claim representatives began offering monetary compensation within a week ...
by Pu239
Mon Apr 01, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26822

Re: "The best and worst U.S. states for retirement"

This list is not going to be helpful in selecting a state for retirement. In order to be useful, it would need data on several more categories. Additionally, it would need to allow the user to rank the weight of each category based on user preference. Some people like the ocean, some like desert. S...
by Pu239
Sun Mar 31, 2019 11:26 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26822

Re: "The best and worst U.S. states for retirement"

Colorado #3...really? It pains me to think more people will want to move here and retire under the illusion of paradise. The place sucks so please stay at home and leave us to our misery.