Search found 348 matches

by tinscale
Tue Jan 02, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD - No Penalty CD Help/Advice Needed
Replies: 30
Views: 3608

Re: Ally CD - No Penalty CD Help/Advice Needed

I opened (renewed) a No Penalty CD in August for 11 months at 1.55 apy and closed it on 12/28 and immediately bought a 12-month High Yield CD @ 2% apy. No issues at all.
by tinscale
Mon Jan 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 1768

Re: Lost about $100 due to shipping issue?

I disagree with "student" if student is suggesting to dispute the $100 Guess charge. You have no dispute with Guess (at this point). From the Guess website: "We are not responsible for items lost in the mail." If you used a credit card with UPS/USPS, you can perhaps dispute the shipping charges once...
by tinscale
Wed Nov 01, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 20666

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insura

I have GEHA but not HDHP. I'm satisfied with the way they handle claims and their service in general. My situation is different however. I'm retired and use GEHA as a backup to Medicare. If you use GEHA as a backup to Medicare, would not HDHP be less expensive as the backup? Victoria GEHA HDHP is d...
by tinscale
Mon Oct 30, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Storage Recommendations for pictures
Replies: 22
Views: 1280

Re: Storage Recommendations for pictures

Google Photos - You have to select the "High Quality" option and not "Original" to get free unlimited storage. High quality compressed the resolution to 16MP, which should be fine in most cases. You can read more about it if concerned.
by tinscale
Wed Jul 12, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - Savings Account Rate Increased!
Replies: 94
Views: 16018

Re: Ally Bank - Savings Account Rate Increased!

The interest rate is 1.14%, it's the APY that's 1.15%. :wink:
by tinscale
Tue Jul 04, 2017 7:38 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 16004

Re: Bogleheads: you should be buying 10-year old cars

FYI, from CNN Money July 4, 2017 Link "Car buyers are going deeper into debt and for longer periods of time as they reach to buy more expensive new cars. The average car loan last month stretched out for 69.3 months, or nearly six years, according to Edmunds.com. That's the longest average loan term...
by tinscale
Tue Jul 04, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 6466

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

I use LastPass but all websites, accounts, user names, passwords, and security Q+As are written down in an 8-page folder.
by tinscale
Sat Jun 24, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: American Airlines double charged me!
Replies: 8
Views: 1869

Re: American Airlines double charged me!

Personally, I wouldn't dispute a charge that the other party has already agreed to reverse.
by tinscale
Sat Jun 24, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: Amazon Buys Whole Foods
Replies: 103
Views: 13187

Re: Amazon Buys Whole Foods

The local Harris Teeter here on the outskirts of Charlotte has a pretty brisk order online/pickup in car business, so it seems quite a few folks don't mind having someone else pick out their the groceries. I've also seen the order pickers picking groceries. They pretty much grab what's there and don...
by tinscale
Tue Jun 13, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3819

Re: Auto-Debit May Not Be Such a Good Idea

An additional potential problem with bank push vs. payee pull that if there is a glitch and the payment doesn't happen, you are not responsible if it is a payee pull (unless you had insufficient funds).
by tinscale
Tue Jun 13, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: condo maintenance - AC unit
Replies: 2
Views: 682

Re: condo maintenance - AC unit

Maybe the coils were filthy. There are 2 coils. The coils inside absorb heat and humidity from inside your space, and the coils outside expel the heat. Both need to be clean in order to work properly, effectively, and efficiently. They do get dirty. https://energy.gov/energysaver/maintaining-your-ai...
by tinscale
Tue Jun 13, 2017 7:23 pm
Forum: Personal Consumer Issues
Topic: Got a parking ticket - what to do?
Replies: 44
Views: 4127

Re: Got a parking ticket - what to do?

jebmke wrote:Someone probably just took their ticket and put it on your car. I would ignore it.
No. The trick is to take a ticket from another car and put it on your car, so the ticket writer sees you already have a ticket and passes you by. :beer
by tinscale
Tue Jun 13, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Employee theft - How best to proceed
Replies: 26
Views: 3391

Re: Employee theft - How best to proceed

FInd someone who speaks the patients' language, have that person explain to the patients what the employee did, and have that person accidentally leak the employee's name, address, and phone number to the patients. :shock:
by tinscale
Tue May 30, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Honda mulching mower clumping
Replies: 15
Views: 1404

Re: Honda mulching mower clumping

In my opinion you are cutting too much grass off the top at once. For fescue, supposed to cut off no more than 1/3 of the height. Set mower higher or mow more often.
by tinscale
Fri May 12, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Buying Major Appliances Online
Replies: 20
Views: 2402

Re: Buying Major Appliances Online

Check the return policy and time frame - at some places the clock starts ticking upon delivery. If you have to store them a while before connecting and using, it's possible that the return period could expire while they are in storage. Physically returning them is another issue.
by tinscale
Fri May 12, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 4716

Re: Price for brakes and rotors?

Try the NAPA Repair Estimator Guide. Plug in your car, zip code, and what work you want done. http://www.napaautocare.com/estimator.aspx
by tinscale
Sun May 07, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 2921

Re: HOA & renting rules

Our single-family HOA requires all occupants to be members of the same housekeeping unit, and the conversion of any space to an apartment or other type of living space is not allowed with HOA approval. There are a bunch of requirements for a code-compliant basement apartment, including fire-rated c...
by tinscale
Tue May 02, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: How quick is too quick for a job offer?
Replies: 29
Views: 4007

Re: How quick is too quick for a job offer?

Sounds to me like the company you are interviewing with knows what they want and might be ready act when they get an applicant that fits the bill, rather than putz around for months in a misguided quest to the hire the one perfect candidate (who won't be).
by tinscale
Tue May 02, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Buying first home with old hvac
Replies: 92
Views: 6602

Re: Buying first home with old hvac

The asking price reflects the age and condition of the house and its components.

You could ask the seller to replace it and increase the purchase price, but then you'd be paying for it over 30 years or whatever.
by tinscale
Sun Apr 30, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Shopping habits and timing of purchase
Replies: 13
Views: 1653

Re: Shopping habits and timing of purchase

How about you, do you wait until you need something to buy it - or is there anything that you purchase in advance in order to avoid not being able to find just what you want or need at the time you want or need it? Shoes and ammo are about the only thing I have a little supply of, all purchased on ...
by tinscale
Sat Apr 29, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 62657

Re: Banned from Home Depot Returns

One recommendation - always use a credit card. If you don't have a receipt HD can look up a transaction by swiping the card and scanning the product. Not much help here, but for the future. That only works within 90 days of the purchase. "Receipts for purchases made with a credit or debit card or b...
by tinscale
Thu Apr 27, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Lifecycle Funds/G Fund Too Conservative?
Replies: 140
Views: 10200

Re: TSP Lifecycle Funds/G Fund Too Conservative?

fundseeker wrote:tinscale, Thanks a lot for the clarification. I should have been more clear in my post, that it only applies to the spousal beneficiary. Thanks again!
You're welcome. I spend a good amount of time researching this.
by tinscale
Thu Apr 27, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Lifecycle Funds/G Fund Too Conservative?
Replies: 140
Views: 10200

Re: TSP Lifecycle Funds/G Fund Too Conservative?

Upon my death, I've instructed my wife to transfer all the money out of the TSP and into her Traditional IRA account ASAP, so that when she dies, her beneficiary would not have to fully withdraw it (and be taxed on it). Because: If the beneficiary of a TSP account is the surviving spouse, the accoun...
by tinscale
Thu Apr 27, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 62657

Re: Banned from Home Depot Returns

Thanks, didn't know that. But I'm wondering if their return policy is longer than 90 days though? The stated return policy is 90 days. After 90 days, as of 8/15 when I left, if you have a receipt the system will prompt "receipt expired" but they can override and still refund. Store credit may be th...
by tinscale
Wed Apr 26, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 62657

Re: Banned from Home Depot Returns

Interesting. Since the main purpose of this system is to stop theft (or at least turning stolen items into a more marketable currency), I would also think it must be based on dollar amounts. Does returning 10 screws (each different times) that cost 39 cents get you cut off? Is there a secondary pur...
by tinscale
Wed Apr 26, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 62657

Re: Banned from Home Depot Returns

One other thought on this is I wonder if the system is cross-retailer similar to the one used when you pay by check. In other words, if you returned multiple things at 5 retailers that use this system you could be banned from a retailer using the system where you have never returned an item without...
by tinscale
Wed Apr 26, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Banned from Home Depot Returns
Replies: 131
Views: 62657

Re: Banned from Home Depot Returns

I worked at Home Depot from 2005-2015. The return policy has not changed from when I worked there. from Home Depot's current return policy http://www.homedepot.com/c/Return_Policy : "Returns for purchases with valid proof of purchase . . . . Refunds will be issued to the original form of payment (cr...
by tinscale
Mon Apr 24, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Buy This Home? Please Tell Me Why Not?
Replies: 22
Views: 3673

Re: Would You Buy This Home? Please Tell Me Why Not?

A builder's "model" home is generally constructed a bit more solidly and precisely than the ones subsequently built for customers, and model homes usually have the higher end upgrades and finishes. If the home you are talking about was not intended to "showcase" the builder's homes, then my statemen...
by tinscale
Mon Apr 24, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can Power of Attorney override POD designations?
Replies: 12
Views: 1879

Re: Can Power of Attorney override POD designations?

Some institutions require their own POA (e.g, Scottrade). So, if one had non-Scottrade POA and wanted to change beneficiaries, the account owner and agent would have to execute a Scottrade POA and have it notarized. If the account owner was not capable of filling out the form, I'm not sure what woul...
by tinscale
Sun Apr 23, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Did you file your taxes with Credit Karma?
Replies: 14
Views: 1458

Re: Did you file your taxes with Credit Karma?

I tried using Credit Karma but they kept filling out the HSA 8889 form wrong. Ended up doing it manually with the IRS's free fillable pdf forms.
by tinscale
Sat Apr 22, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4473

Re: Car Choices

Whichever car he prefers. They will all go when you press on the gas pedal.
by tinscale
Sat Apr 22, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 6712

Re: Six pack for barbecue?

Any alcoholic beer, yellow and cold, qty = 12. :beer
by tinscale
Fri Apr 21, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9672

Re: Mens Blue Jeans - What are we buying now?!

Mine are everyday wear and not for fashion. I want 100% cotton. The get pretty well used up after a few months. Wrangler Five Star Premium Denim Relaxed Fit Jean from Walmart, for about $16. Walmart's Rustler brand fits me the same and are a few dollars less. The front pockets are slightly different...
by tinscale
Fri Apr 21, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Excel Solver for Portfolio Rebalancing across Multiple Accounts
Replies: 24
Views: 3677

Re: Excel Solver for Portfolio Rebalancing across Multiple Accounts

I have a spreadsheet with 9 accounts (IRAs, HSA, Checking, Savings, CD, 401k, etc.), with 2-3 different assets in each account, that feed into an allocation of US, International, Bonds, and Cash. When the allocation is off target, human intervention is needed to figure out what adjustments to make i...
by tinscale
Mon Apr 10, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 28943

Re: Low-earners- What is your profession?

To the OP: You should check out sigforum.com (if you haven't already). Quite a few LEO on there, many with similar feelings as yours.
by tinscale
Wed Apr 05, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: What is your definition of 'Savings'?
Replies: 25
Views: 2072

Re: What is your definition of 'Savings'?

My “savings” is the cash in checking/savings accounts and a CD. It won’t go away unless I spend it, and if the bank folds the FDIC will make good on it. If my IRAs and 401ks are confiscated, and my stock and bonds funds all go belly up, I still have my savings. I suppose you could say it includes em...
by tinscale
Wed Mar 29, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Lastpass bug
Replies: 18
Views: 2464

Re: Lastpass bug

Google researcher discovers a vulnerability. That leaves how many undiscovered? :oops: Who knows. But for the average user, the benefits of using a program like LastPass far outweigh the risk of a bug being discovered by a malicious group. Despite best intentions, people tend to default to repetiti...
by tinscale
Wed Mar 29, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mother's Identity Stolen? Need help with next steps!
Replies: 6
Views: 755

Re: Mother's Identity Stolen? Need help with next steps!

I hope there is no issue. I'd be concerned about the car loan and credit card answers being wrong. Try getting a credit report from Credit Karma or other 3rd party site. Maybe her bank, or financial institution offers a free report. All you need off the SSA-1099 is the total of payments received in ...
by tinscale
Wed Mar 29, 2017 8:15 pm
Forum: Investing - Theory, News & General
Topic: Cars - possible recession indicator?
Replies: 21
Views: 3723

Re: Cars - possible recession indicator?

March 7, 2017 U.S. monthly average regular gasoline retail prices are expected to increase from $2.30/gallon (gal) in February 2017 to $2.51/gal in July before falling to $2.24/gal by December. U.S. regular gasoline retail prices are forecast to average $2.40/gal in 2017 and $2.44/gal in 2018. https...
by tinscale
Wed Mar 29, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Hospital billing nightmare
Replies: 26
Views: 3101

Re: Hospital billing nightmare

Sorry you're having this trouble. Can't help on the insurance part. Quick googling says $15,000 is in the ballpark for costs of having a baby by c-section. On the possible part-time job thing, I can tell you that not many retail places will hire someone for only 9-10 hours a week. Most will want you...
by tinscale
Wed Mar 29, 2017 7:36 pm
Forum: Investing - Theory, News & General
Topic: anyone factor in future inheritance?
Replies: 78
Views: 6006

Re: anyone factor in future inheritance?

Didn't factor it in but had hopes for one. Didn't pan out bcuz dear sister bilked mom out of most of it.
by tinscale
Wed Mar 29, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Lastpass bug
Replies: 18
Views: 2464

Re: Lastpass bug

Google researcher discovers a vulnerability. I'm sure there are more not yet discovered. :oops:
by tinscale
Wed Mar 29, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: What's your personal criteria for deciding whether or not to rent a car?
Replies: 105
Views: 6288

Re: What's your personal criteria for deciding whether or not to rent a car?

Basically, I prefer to rent cars every time I go out of town. What is your philosophy on this? My philosophy is, I would never do that. Why own a car, if not to drive it? If I fly somewhere and need a car while there, sure.... But, if I'm driving, my own vehicle works fine. This ^^^^. I'd take a 7-...
by tinscale
Wed Mar 29, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 144
Views: 24597

Re: So someone drained $13k from my checking account...

Victoria - Thanks for clarifying. Mike
by tinscale
Wed Mar 29, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 144
Views: 24597

Re: So someone drained $13k from my checking account...

One problem with autopaying by credit card is the potential to miss a payment. If the issuer puts a temporary hold on or cancels the card for whatever reason, or sends a replacement card with new account number, and the timing is right or you forget to update the autopay payee, you could potentiall...
by tinscale
Wed Mar 29, 2017 7:16 am
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 57
Views: 11720

Re: PurePoint 1.25% online savings $10K min

I post this every time I see a thread mentioning Capital One Bank or Capital One 360: Note that they don't allow the designating of beneficiaries (unless it's an IRA), so if something happens the cash will be unavailable until the probate court give's the executor permission to distribute. How abou...
by tinscale
Tue Mar 28, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 144
Views: 24597

Re: So someone drained $13k from my checking account...

One problem with autopaying by credit card is the potential to miss a payment. If the issuer puts a temporary hold on or cancels the card for whatever reason, or sends a replacement card with new account number, and the timing is right or you forget to update the autopay payee, you could potentially...
by tinscale
Tue Mar 28, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 49
Views: 6039

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

Retired CSRS fed here. Don't have a recommendation either way, except to consider that nothing is set in stone. Jan 17, 2017. Proposed Retirement Changes for Federal Employees https://www.fedsmith.com/2017/01/22/proposed-retirement-changes-for-federal-employees/ These have been on the table for a wh...
by tinscale
Tue Mar 28, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to easily organize personal finances
Replies: 31
Views: 2901

Re: How to easily organize personal finances

Not sure what you are asking - could you give us a little more information? Yes. Right now I have a budget and then I have a spending log, debt tracker, and a savings/retirement tracker. I was curios what others use as far as "categories" or topics. I'm thinking I want to also have something that t...