Search found 47 matches

by Hat
Sat Oct 07, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks, how safe are they?
Replies: 31
Views: 2632

Re: Paper checks, how safe are they?

This is how I view it when you give someone a check:
1. Here is my name.
2. Here is my address.
3. Here is where I bank.
4. Here is my account number with my money in it.
5. Here is how to forge my signature.
by Hat
Sun Apr 23, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5996

Re: USAA 2.5% unlimited Cash back Card - Weird...

WolfgangPauli wrote:I have my credit frozen
Call USAA and ask which credit bureau they attempted to check. They usually use Equifax. If it is, unfreeze your Equifax report, wait at least 4 hours, then reapply.
by Hat
Sun Apr 23, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5996

Re: USAA 2.5% unlimited Cash back Card - Weird...

WolfgangPauli wrote:I already have a USAA CC so I thought when I applied, I could just switch it over.
USAA does not allow converting one card to another. Keep in mind that once you have the second card open, they also do not allow consolidating credit cards or reallocating credit line between cards.
by Hat
Sun Apr 23, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% unlimited Cash back Card - Weird...
Replies: 34
Views: 5996

Re: USAA 2.5% unlimited Cash back Card - Weird...

I've several USAA ads where relatives of members were allowed to join. Not sure how close the relative has to be but children of members, siblings, parents etc. probably qualify. Much simpler than Navy FCU. NFCU's requirements are much more flexible than USAA's. USAA membership is passed to spouses...
by Hat
Sun Apr 23, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2761
Views: 555844

Re: What's Your Credit Card Rewards Strategy?

OffTheGrid wrote:Is there a better "all-in" cash back card I should look at?
Alliant Credit Union has a $59 annual fee straight 2.5% cash back card. The break even annual spend compared to a 2% no-fee card is $11800.
by Hat
Sun Apr 23, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2761
Views: 555844

Re: What's Your Credit Card Rewards Strategy?

FedGuy wrote:I'm aware of two no-annual fee cards that offer 2% cash back across the board.
Pentagon Federal Credit Union has a straight 2% cash back card if you have their checking account.
by Hat
Wed Apr 19, 2017 12:02 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 53131

Re: USAA 2.5% Cash Back Credit Card

USAA will only extend a total of 50k total credit (my understand based on some items i read, i could be wrong). if you don't have enough left for a new card, first call and talk with them.. My experience with USAA is that their CSRs' information is largely inaccurate and inconsistent on topics such...
by Hat
Tue Apr 18, 2017 11:23 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 53131

Re: USAA 2.5% Cash Back Credit Card

I get 5% back on the Amazon Visa card. They are an effective enough vendor that this card plus free two day shipping on Prime membership plus other benefits is a good deal. Are you talking about the Amazon Visa or Amazon Store card? Amazon Visa only offers 3% cash rebate on Amazon purchases. Amazon...
by Hat
Mon Apr 17, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 53131

Re: USAA 2.5% Cash Back Credit Card

One odd exception: I'm a current USAA customer despite not being a member. (Odd hangover from a few years back when they let non-members sign up for credit cards. Hardly use it, but have kept it open.) Has anybody seen in black and white that there's a membership requirement? Not just a customer an...
by Hat
Sun Apr 02, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review #3 Requested
Replies: 1
Views: 523

Portfolio Review #3 Requested

Thanks to everyone for the knowledge available on this forum. Emergency funds : 1 year Debt : None Tax Filing Status : Single Tax Rate : 28% Federal, 0% State (TX) Age : about 43 Desired asset allocation : 55% stocks / 45% bonds Intl allocation : 25% of stocks Current portfolio : $930k Taxable $126k...
by Hat
Mon Feb 13, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 53131

Re: USAA 2.5% Cash Back Credit Card

One odd exception: I'm a current USAA customer despite not being a member. (Odd hangover from a few years back when they let non-members sign up for credit cards. Hardly use it, but have kept it open.) Has anybody seen in black and white that there's a membership requirement? Not just a customer an...
by Hat
Mon Jun 22, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 42
Views: 13839

Re: No Foreign Fee Credit Card - Exchange Rate

Used PenFed Signature Cash Rewards card in Europe and Costa Rica and no problems at all. Love it because of the no foreign transactions fees. We seldom use the Amex Card due to foreign fees when traveling abroad. The say "Don't leave home without it." It doesn't apply when you travel outside the US...
by Hat
Mon Aug 25, 2014 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 23
Views: 4114

Re: Transfer on Death (TOD) for Vanguard taxable accounts

Thanks all for the responses.

It seems the consensus is that Vanguard would handle a Texas resident's TOD like any other and issues would be unlikely.
by Hat
Sun Aug 24, 2014 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Transfer on Death (TOD) for Vanguard taxable accounts
Replies: 23
Views: 4114

Transfer on Death (TOD) for Vanguard taxable accounts

I live in Texas, am not married, and wish to designate TOD beneficiaries for my Vanguard taxable account. Both Nolo's Estate Planning Basics and Make Your Own Living Trust books have a statement that TOD is available in every state except Texas. After talking to Vanguard twice about this issue, they...
by Hat
Sun Mar 09, 2014 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review #2 Requested
Replies: 2
Views: 402

Portfolio Review #2 Requested

Thanks again to all for the vast amount of knowledge on this forum, and especially to Laura for providing excellent advice on my first post . Emergency funds : 1 year Debt : None Tax Filing Status : Single Tax Rate : 28% Federal, 0% State (TX) Age : about 40 Desired asset allocation : 60% stocks / 4...
by Hat
Thu Nov 28, 2013 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Capital One Quicksilver: 1.5% reward, thoughts?
Replies: 91
Views: 273781

Re: Capital One Quicksilver: 1.5% reward, thoughts?

Anyone out there have any experience with the Capital One Quicksilver credit card? 1.5% reward on all purchases, no limits. Outside of the 5% off on gas Penfed card and the 3% off on groceries American Express Blue Cash card, I don't have anything above 1%. This sounds attractive. I have three othe...
by Hat
Fri Nov 08, 2013 4:53 pm
Forum: Personal Consumer Issues
Topic: Have you ever used your credit card's warranty extension?
Replies: 27
Views: 5372

Re: Have you ever used your credit card's warranty extension

I always use AMEX for items with a warranty. Both times I've needed the extended warranty, my account was credited within a few days.
by Hat
Sat Jul 13, 2013 10:24 am
Forum: Personal Consumer Issues
Topic: Old wedding band
Replies: 14
Views: 1748

Re: Old wedding band

I also had a good experience selling scrap metal to Midwest Refineries.
by Hat
Thu May 02, 2013 3:14 pm
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 9353

Re: Can You Ace FINRA's Financial Literacy Quiz?

14/15 here

I missed the one about short selling.
by Hat
Sat Apr 27, 2013 9:20 am
Forum: Personal Consumer Issues
Topic: What are your top companies for customer service?
Replies: 76
Views: 6102

Re: What are your top companies for customer service?

USAA
Costco
Amazon
LL Bean
American Express
Southwest Airlines
by Hat
Sun Mar 10, 2013 11:00 pm
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 8790

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

Another vote for longer passwords.
by Hat
Fri Mar 01, 2013 6:29 pm
Forum: Personal Consumer Issues
Topic: Recommend a printer?
Replies: 56
Views: 5919

Re: Recommend a printer?

I also like Brother printers. They are a great value, perform well, and the cost of toner is low compared to other brands.
by Hat
Mon Feb 25, 2013 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Disability Insurance Questions
Replies: 12
Views: 1319

Re: Individual Disability Insurance Questions

BruDude,

I am salaried and spend over half of my workday at a desk. Could you explain a situation in which the residual rider would be beneficial (without a career change)?
by Hat
Sat Feb 23, 2013 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Disability Insurance Questions
Replies: 12
Views: 1319

Re: Individual Disability Insurance Questions

BruDude,

Thanks for your feedback. I don't have a copy of the illustration. I'm sure COLA was the only rider and that the exact percentage of income was 4.81%, way more than the initial quote. I specifically asked the agent about excluding the allergies, but the agent said they wouldn't do it.
by Hat
Sat Feb 23, 2013 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Disability Insurance Questions
Replies: 12
Views: 1319

Re: Individual Disability Insurance Questions

BruDude,
I was also disappointed in Guardian's high rate because I consistently read good things about them. COLA was the only rider. I did not see any rate adjustment.

I'll look for an independent agent who can do Standard and Principal.
by Hat
Fri Feb 22, 2013 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Disability Insurance Questions
Replies: 12
Views: 1319

Re: Individual Disability Insurance Questions

tj - understood. Thanks.

Any other feedback? I thought insurance experts like BruDude, dhodson, and bluemarlin08 would be all over this. :happy
by Hat
Wed Feb 20, 2013 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Disability Insurance Questions
Replies: 12
Views: 1319

Individual Disability Insurance Questions

I'm working with an independent agent to obtain disability insurance. I completed medical underwriting with Guardian (class 5), but their premium was 5% of income. The only reason listed was severe allergic reactions. For Principal (class 5A) and Mass Mutual (class 5A), I have initial quotes and spe...
by Hat
Mon May 28, 2012 8:50 am
Forum: Personal Consumer Issues
Topic: My Samsung Plasma TV quits after 13 months.
Replies: 25
Views: 3663

Re: My Samsung Plasma TV quits after 13 months.

Check your credit card's extended warranty coverage. Most Amex, Visa, and MC extend the manufacturer's warranty by one year.
by Hat
Wed Apr 04, 2012 12:30 am
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 25478

Re: What is your favorite movie?

The Shawshank Redemption
by Hat
Fri Mar 30, 2012 11:46 pm
Forum: Personal Consumer Issues
Topic: Indoor TV Antennas?
Replies: 26
Views: 3371

Re: Indoor TV Antennas?

I use both the Mohu Leaf and DB2 antennas mentioned above. Both are excellent antennas and resulted in reception of all expected channels listed on tvfool.com. The DB2 is slightly better in my area, but the Leaf is much more compact.
by Hat
Thu Mar 29, 2012 2:52 pm
Forum: Investing - Theory, News & General
Topic: all about muni bonds
Replies: 28
Views: 3748

Re: all about muni bonds

After studying the price and distribution history of muni bond fund VMLUX, it appears that the fund's NAV does not decrease after a distribution as do stock mutual funds. Is this the case? If so, it would appear that there is no advantage in taxable to buying at any one particular time over another.
by Hat
Mon Mar 26, 2012 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 284601

Re: Why does anyone use American Express?

I use AMEX cards issued directly through American Express for their superior dispute resolution and extended warranty protection. I had an extended warranty claim for $160 sunglasses which developed a hinge problem through normal use. AMEX reimbursed the entire purchase price by crediting my account...
by Hat
Mon Mar 26, 2012 7:00 pm
Forum: Personal Consumer Issues
Topic: are polarized sunglasses worth the extra $$?
Replies: 42
Views: 16447

Re: are polarized sunglasses worth the extra $$?

I also agree that polarized is the way to go. Bolle is a reasonably priced brand with decent quality.
by Hat
Sun Jan 29, 2012 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Pen Fed Card for Foreign Cash Advances
Replies: 14
Views: 5246

Re: Anyone use Pen Fed Card for Foreign Cash Advances

I recently returned from a trip to Australia and New Zealand. I used my Penfed Visa for credit card cash advances at ATM's in both places. Sometimes the ATM charged a fee and sometimes not. When a fee was charged, the advanced amount and the fee were combined into one charge and converted to US doll...
by Hat
Thu Feb 10, 2011 12:25 am
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 830
Views: 153892

Tactical Nuclear Penguin :P

On a serious note, I drink beers that have a decent amount of flavor without being heavy:
Smithwick's
Spaten Oktoberfest
Sunshine Wheat
by Hat
Mon Aug 30, 2010 10:15 pm
Forum: Personal Consumer Issues
Topic: Travelling to India - Early Oct, opinions?
Replies: 14
Views: 2162

India

I also took Malarone (malaria medication) and had no side effects. Don't drink tap water or beverages with ice. Order only bottled water, insist on opening it yourself, and make sure the seal is there. Zithromax (azithromycin) is one of the most commonly recommended antibiotics for India, but be awa...
by Hat
Tue Apr 06, 2010 11:33 pm
Forum: Personal Consumer Issues
Topic: Are you buying an iPad?
Replies: 89
Views: 11245

1. No USB (Apple, give up the proprietary dock connector already)
2. No SD slot
3. Non-replaceable battery
by Hat
Sat Mar 27, 2010 1:00 am
Forum: Personal Finance (Not Investing)
Topic: How Many Savings Accounts Should We Have
Replies: 24
Views: 4128

I use one savings account and one short-term bond fund.
by Hat
Sat Mar 27, 2010 12:49 am
Forum: Investing - Theory, News & General
Topic: Question for Bogleheads: Emergency Fund location ?
Replies: 64
Views: 11229

Vanguard Limited-Term Tax-Exempt Fund (VMLTX)
by Hat
Sun Mar 21, 2010 12:06 am
Forum: Personal Consumer Issues
Topic: Favorite cartoon characters
Replies: 40
Views: 5092

1. Homer Simpson
2. Stewie Griffin
3. Marvin the Martian
by Hat
Wed Mar 17, 2010 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which reward type credit cards is everyone using?
Replies: 87
Views: 72036

PenFed Visa 5% gas (and 1% at places that don't take AMEX)
Fidelity AMEX 2% elsewhere
by Hat
Wed Mar 17, 2010 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is getting a rewards credit card worth the effort?
Replies: 32
Views: 6077

Fidelity's version makes puts the contributions into an IRA. Which is a problem if you're already contributing the max to your IRA. Big difference. Uh no. Mine is contributed directly to my taxable MM account :wink: ... While Fidelity advertises the IRA option, there are other ways to get your rewa...
by Hat
Mon Mar 08, 2010 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Credit card recommendation
Replies: 22
Views: 3676

PenFed cash back reduction

Carl53 wrote:I recently added a PenFed Platinum Reward Visa (5% reward on any gas, 2% on groceries, and 1.25% on everything else).
The PenFed card now only pays 1% on everything else. The 5% gas and 2% groceries remain unchanged.
by Hat
Fri Feb 19, 2010 10:45 am
Forum: Personal Consumer Issues
Topic: South Park or Family Guy
Replies: 40
Views: 5647

Peter vs. Chicken

The Family Guy episodes where Peter fights the chicken are great!
by Hat
Fri Feb 19, 2010 10:40 am
Forum: Personal Consumer Issues
Topic: Ideas for avoiding cable
Replies: 72
Views: 10890

DB2 antenna

I have the DB2 antenna (UHF), but also get good reception of VHF channels 7 -13.
by Hat
Sun Feb 14, 2010 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Requested
Replies: 3
Views: 797

Thanks for taking the time to look at my asset allocation.

Alas, there is no 2020 fund offered in my 401k.

Per your recommendation, I believe I'll go with

Roth
Target Retirement 2020

Rollover IRA
Target Retirement 2020

401k
2025 fund
by Hat
Sun Feb 14, 2010 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Requested
Replies: 3
Views: 797

Portfolio Review Requested

Thanks to all for the valuable information in this forum. Emergency funds: 10 months Debt: None Tax Filing Status: Single Tax Rate: 28% Federal 0% State (TX) Age: 35 Desired Asset allocation: (65% stocks / 35% bonds) Intl allocation: 20% of stocks Current portfolio: $200k - $250k range Taxable None ...