Search found 516 matches

by Live Free or Diehard
Fri Jul 10, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Learning Spanish
Replies: 62
Views: 9207

Re: Learning Spanish

I use Duolingo and Memrise to learn languages. Both are free to use: websites and phone apps. I have found Duolingo is very good for learning grammer and Memrise is great for vocabulary. Others have already mentioned Duolingo. Memrise is basically online flashcard. There are many courses of flashcar...
by Live Free or Diehard
Fri Jul 11, 2014 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Rewards Visa card from Chase
Replies: 35
Views: 112019

Re: Amazon.com Rewards Visa card from Chase

My sign-up bonus was only $30 too, years ago. But yesterday I received this threatening (well, to me) notice via email regarding my chase amazon visa: Rest assured, your rewards program is still the same. Going forward, we will now refer to the rewards you earn as "% Back. At the bottom of the emai...
by Live Free or Diehard
Fri Feb 28, 2014 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Discover Card - one or two FICO scores on joint account?
Replies: 17
Views: 8507

Re: Discover Card - one or two FICO scores on joint account?

First and foremost, this offer only applies to the "Discover It" card -- none their other credit cards currently extend the same offer. I have a "Discover More" card, and it has the FICO score on the statement. It started displaying on my February statement. I could see my FICO score online startin...
by Live Free or Diehard
Fri Jan 03, 2014 8:48 am
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 6445

Re: How much was your total 2013 credit card rewards

$1,183 in 2013. It was an improvement over $873 in 2012.
by Live Free or Diehard
Wed Oct 23, 2013 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Cash back on credit cards
Replies: 29
Views: 5972

Re: Cash back on credit cards

On those two cards alone I charge enough to completely finance my wife's Roth. At $6500 per year now. Even in the 20% tax bracket, that is equivalent to an extra $8,000+ in income. Wow! I thought I was doing good getting about $1,200 cash back per year using mostly 5% categories on cards, and signu...
by Live Free or Diehard
Thu Sep 05, 2013 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 33487

Re: PenFed Platinum Rewards Visa CC changes

However, about "hoops", I've seen comments about how $25 statement credit works.. can you tell me in your own words how that works? Do I have to call up every time to get $25 credit applied? Can it be applied only to a purchase on credit card over $25? (which might not be so bad.. because most of m...
by Live Free or Diehard
Thu Sep 05, 2013 10:56 am
Forum: Personal Finance (Not Investing)
Topic: PenFed Platinum Rewards Visa CC changes
Replies: 118
Views: 33487

Re: PenFed Platinum Rewards Visa CC changes

It appears that many people (I am one of them) use these credit cards only to get the 5% gas rebate and use other cards for most of their purchases. It makes sense that PenFed would want to cut these losses. Other 5% credit card rebate cards have been long gone. Not really, they still exist if you ...
by Live Free or Diehard
Fri Aug 23, 2013 12:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1485893

Re: What Book Are You Currently Reading? Part V

chaz wrote:"The Cuckoo's Calling" is a wonderful murder mystery. I hope the author continues in this genre.

Next is "Be Cool" by Elmore Leonard.
I just finished The Cuckoo's Calling. It had a very good ending. I liked Cuckoo's Calling much better than The Casual Vacancy.
by Live Free or Diehard
Wed Aug 21, 2013 2:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1485893

Re: What Book Are You Currently Reading? Part V

Also sadly finished the fifth and last novel in the one-volume The Ultimate Hitchiker’s Guide to the Galaxy by Douglas Adams. Favorite characters throughout, except for Ford Prefect and maybe Slartibartfast, are machines: Marvin the desperately unhappy android, Colin the desperately happy robot, Ed...
by Live Free or Diehard
Fri Aug 02, 2013 2:41 pm
Forum: Personal Consumer Issues
Topic: 21 days in Europe - what would you recommend?
Replies: 44
Views: 3956

Re: 21 days in Europe - what would you recommend?

livesoft wrote:..., but isn't Istanbul still in Europe?
Half of it's in Europe. The other half is in Asia.
by Live Free or Diehard
Wed Jul 31, 2013 9:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1485893

Re: What Book Are You Currently Reading? Part V

Reading Adams must have been fun, especially "Cookies." Did you act it out a little? Or just a straight reading? Arthur is more fully developed with Fenchurch, but I still like Marvin. :happy It was mostly a reading. I had a small table and acted out the part where I (Douglas) explain(s) that "it's...
by Live Free or Diehard
Tue Jul 30, 2013 8:05 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1485893

Re: What Book Are You Currently Reading? Part V

I'm just finishing Roman Blood by Steven Saylor and starting Extra Virginity: The Sublime and Scandalous World of Olive Oil by Tom Mueller. There’s been no escaping Douglas Adams and I wouldn’t have it any other way. Last week I read one of Douglas Adams' essays at an open mic reading ("Cookies", fr...
by Live Free or Diehard
Wed May 15, 2013 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Get 5% back on credit card purchases.
Replies: 20
Views: 3837

Re: Get 5% back on credit card purchases.

Might as well use Blue Cash Preferred and buy gift cards at the grocery store. 6%. Well one positive thing came out of this thread, which is that I learned about the Blue Cash Preferred AmEx card. I didn't know you could get 3% cash back on gas. I just upgraded my old 1% AmEx. I hope I didn't overl...
by Live Free or Diehard
Mon Mar 11, 2013 10:28 am
Forum: Personal Consumer Issues
Topic: Douglas Adams 61st - check google.co.uk
Replies: 13
Views: 1406

Re: Douglas Adams 61st - check google.co.uk

I'll toast him with a Pan-Galactic Gargle Blaster, the best drink in existance. :sharebeer
by Live Free or Diehard
Wed Dec 12, 2012 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for a Amex Blue Cash Everyday card?
Replies: 18
Views: 87820

Re: Should I apply for a Amex Blue Cash Everyday card?

The OP stated that he/she spends about $2500 per year on groceries. That averages out to $208.33, so a $250 monthly cap may meet his/her needs. Admittedly, the card may not be for everyone; but, it also wouldn't be pointless for everyone. My online account shows the ability to transfer $25 (2500 poi...
by Live Free or Diehard
Wed Dec 12, 2012 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for a Amex Blue Cash Everyday card?
Replies: 18
Views: 87820

Re: Should I apply for a Amex Blue Cash Everyday card?

I'd say you're better off with the Barclays Sallie Mae Rewards Mastercard ( https://www.salliemae.com/landing/WorldCreditCard/ ). You get 5% on groceries (on up to $250 of purchases per month), 5% on gas (on up to $250 of purchases per month) and 5% on bookstores (on up to $750 of purchases per mont...
by Live Free or Diehard
Fri Nov 09, 2012 2:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1485893

Re: What Book Are You Currently Reading? Part V

I'm currently reading The Woman Who Died a Lot, by Jasper Fforde. It's the seventh book in the Thursday Next Series (or eighth if you included The Great Samuel Pepys Fiasco, which is no longer available).
by Live Free or Diehard
Tue Oct 23, 2012 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Cash back CC with least hassle to redeem rebates?
Replies: 26
Views: 6567

Re: Cash back CC with least hassle to redeem rebates?

Do you buy much online, particularly on Amazon? I LOVE the Amazon card. 3% on anything on Amazon, 2% on gas, restaurants, office supply, drug stores, 1% on anything else. The catch is, the money has to be spent back on Amazon.com, but for many people, that's not an issue at all. Bonus - you can hav...
by Live Free or Diehard
Wed Oct 03, 2012 8:56 am
Forum: Personal Finance (Not Investing)
Topic: US bank Promo offer
Replies: 5
Views: 794

Re: US bank Promo offer

I love my US Bank accounts. You should be able to get the monthly fee waived if you have direct deposits of at least $500 per month. Another way to get the monthly fee waived is to open up a Silver Checking account and a Package Money Market Savings account and link them together. If you set up an a...
by Live Free or Diehard
Tue Sep 25, 2012 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Upromise
Replies: 7
Views: 956

Re: Upromise

I've been using Upromise for seven months and I've made about $200, so far. I don't have the money go into a 529. I have it automatically transfered into a Sallie Mae Bank savings account. When you use the savings account you get an extra 10% bonus on your annual cash back amount. I use the Upromise...
by Live Free or Diehard
Tue Aug 07, 2012 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 556
Views: 318253

Re: Just heard about this prepaid card - 6% APY on first $50

So, to simplify it a bit, here's what you do: Sign up Find your Mango routing+account numbers on the direct deposit "form" on their website Use ING Person2Person or other ACH "push" function to put in $5000 In Mango, move the $5000 to the savings account. (We had to move $4090, and then $10, due to...
by Live Free or Diehard
Mon Aug 06, 2012 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Are credit card companies starting to overreact?
Replies: 32
Views: 2697

Re: Are credit card companies starting to overreact?

I've had this happen on large charges. When it happened I just called the 800 number on the back of the card from the store, told them that it was me making the charge and they let it go through. It didn't bother me at all. On the other hand, a couple of weeks ago I was checking the online account o...
by Live Free or Diehard
Thu Aug 02, 2012 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Ibond calculator
Replies: 26
Views: 4200

Re: Ibond calculator

That'd be great, but I really don't want to have to install a program when something should easily be web based that does the same thing. I think it's fair to say most people now have a constant internet connection and wouldn't need a program to do this offline. It just seems really antiquated that...
by Live Free or Diehard
Tue Jun 12, 2012 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Calculation: I-Bond vs Money Market
Replies: 4
Views: 813

Re: Calculation: I-Bond vs Money Market

I think the formula you're going to want is: futureValue = principal * (1 + (rateOfReturn * (1 - effectiveTaxRate))) ^ numPeriods so for your money market account for 5 years: $10000 * (1 + (0.0075 * (1 - (0.25 + 0.075))) ^ 5 = $10255.70 If I'm remembering right for ibonds there's no state taxes an...
by Live Free or Diehard
Wed Jun 06, 2012 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: College Savings Question?
Replies: 29
Views: 1881

Re: College Savings Question?

since my income doesn't qualify me for tax-free I-bonds for educational expenses, it's even better. If you don't care about FAFSA, you can always buy I-bonds with child's SS. In that case it will be tax-free / near tax-free for all expenses, including educational. If you meet certain income limits....
by Live Free or Diehard
Fri Apr 13, 2012 12:46 pm
Forum: Investing - Theory, News & General
Topic: New I Bond Composite Rates
Replies: 30
Views: 4066

Re: New I Bond Composite Rates

As long as we're being picky, SS... As you know I Bond values are based on the $25 denomination rounded to the penny. So in this case the rate will work out to 2.64%: $25.66 / $25 - 1. The $25.66 value after one year is shown on this web page: $25 I Bond with 0.00% Fixed Rate Purchased April 2012 ....
by Live Free or Diehard
Thu Apr 12, 2012 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Roll from State 529 to Vanguard NV 529
Replies: 2
Views: 286

Re: Annual Roll from State 529 to Vanguard NV 529

Some states recapture the state tax deduction on the 529 plan if you roll-over the money into an out of state 529 plan within a certain time period. The Saving for College website is the best source I know of for information on the different state 529 plans. Here's a like to the site about the OK 52...
by Live Free or Diehard
Thu Apr 05, 2012 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on 529 in CA
Replies: 22
Views: 4159

Re: Advice on 529 in CA

Does Utah plan also have these features? - This account counts towards the Voyager, Voyager Select, or Flagship status - Upromise rewards service You don't have to have any particular 529 plan to get Upromise rewards service. You don't even have to have a 529 plan to get Upromise rewards service. Y...
by Live Free or Diehard
Fri Mar 30, 2012 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why was I advised against a 529?
Replies: 22
Views: 3126

Re: Why was I advised against a 529?

Now if all three of your kids end up with full-ride scholarships, then you will have oversaved. But you will know that 10% penalty and ordinary income tax on your earnings will be a small price to pay for not having had to pay $1.8 million for college. It's been a few years since I read through the...
by Live Free or Diehard
Thu Mar 15, 2012 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Reward Checking Accounts vs High Yield CDs/Savings Accounts
Replies: 22
Views: 3979

Re: Reward Checking Accounts vs High Yield CDs/Savings Accou

Second, I don't want to give 12 people per month the chance to rip me off for $25,000 out of my rewards checking account. My Rewards Checking Debit card has a daily charging limit of $300. If I charge more than that then it would get declined. So, the risk of someone ripping me off for $25,000 is v...
by Live Free or Diehard
Thu Jan 12, 2012 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Let's compare credit card returns for 2011!
Replies: 56
Views: 10376

Re: Let's compare credit card returns for 2011!

JeffX wrote:I also made about ~2000 using the schwab 2% cash back that now no longer exists
To make ~$2,000 at 2% cash back you'd have to spend ~$100,000. That's a lot more than I spend in a year.
by Live Free or Diehard
Wed Jan 11, 2012 2:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard.com offline
Replies: 8
Views: 846

Re: Vanguard.com offline

Yes, I can log into my account; and I can see all my information.
by Live Free or Diehard
Wed Jan 11, 2012 2:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard.com offline
Replies: 8
Views: 846

Re: Vanguard.com offline

I was able to get in with now problems.
by Live Free or Diehard
Wed Jan 11, 2012 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Rewards... What exactly is "gas"
Replies: 16
Views: 1978

Re: Rewards... What exactly is "gas"

I tell you what, it's amazing what those credit card companies can do! I buy my gas almost exclusively at AAFES shoppette's between the airforce base I work at, and the Army post I live near. The Penfed card gives me 5% at both places if I use my card at the pump. However, if I go into the shoppett...
by Live Free or Diehard
Wed Nov 09, 2011 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: FIA Fidelity Rewards Card
Replies: 21
Views: 2648

Re: FIA Fidelity Rewards Card

I don't have either Fidelity Rewards Card; bit according to their website you get 1.5 points per dollar spent on the VISA and 2 points per dollar spent on the AMEX. Then you can get $50 per 5,000 points. The VISA is effectively 1.5% when you cash in the 5,000 points. Then after you have spent $15,00...
by Live Free or Diehard
Thu Nov 03, 2011 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 13704

Re: Re:

interplanetjanet wrote:e]
There are two kinds of people in the world:

Those of us who divide everyone into two kinds of people, and those of us who don't.
There are 10 kinds of people in the world:

Those who understand binary numbers, and those who don't.
by Live Free or Diehard
Fri Oct 07, 2011 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 13704

I have never used plastic to pay for gas, only used cash. But I have seen this option on the pumps. When it says, "Credit or Debit" does it refer to the type of card or how a debit card is being used? It refers to how the card will be used. So, for a Credit card you would always say "credit". For a...
by Live Free or Diehard
Fri Oct 07, 2011 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 13704

Thanks for that correction, and if it really means that all those ACH online activities are still free, and so I just need to pick the "credit" option when the gas pump asks "credit or debit", and of course, use only my credit card at merchants and not my debit card, then I am fantastic with this c...
by Live Free or Diehard
Fri Sep 30, 2011 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America to Charge $5/Month for Debit Cards
Replies: 148
Views: 13704

rholt wrote:In my opinion - the only people who use debit cards are
a) poor (can't qualify for a credit card)
b) very financially ignorant
c) stupid.
d) using them to get a higher interest rate on a Rewards Checking Account. (But this option probably won't ne around much longer.)
by Live Free or Diehard
Tue Sep 20, 2011 8:07 am
Forum: Personal Finance (Not Investing)
Topic: rollover my current employer 401k?
Replies: 11
Views: 1273

Re: rollover my current employer 401k?

Should I roll over my old 401k to my Vanguard Roth IRA account? Is your old 401K a Roth 401K? If it is then it would be a good idea to roll it into your Vanguard Roth IRA. If it's a regular 401K and you roll it into your Vanguard Roth IRA then you would have to pay taxes on the amount of the old 40...
by Live Free or Diehard
Thu Sep 15, 2011 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: maximizing credit card reward point redemption
Replies: 34
Views: 6162

Re: maximizing credit card reward point redemption

After scouring their redemption pages, I'm finding that not all reward pts are created equal. With Chase it looks like almost all their conversions are 1 pt = $0.01 whether you take a check in the mail, or redeem for merchandise, or gift card. Chase Freedom usually has some gift cards that give you...
by Live Free or Diehard
Tue Sep 06, 2011 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards
Replies: 25
Views: 5947

Re: Credit Card Rewards

Question: On these cards, is it simply best to take the cash rewards, or is there some extra value if you use the cash in a AmEx rewards program? I'm new to the AmEx Blue Cash Card, but I don't see how there is any extra value for using the rewards program. A $25 gift card costs $25 of rewards. I g...
by Live Free or Diehard
Tue Sep 06, 2011 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards
Replies: 25
Views: 5947

It also comes with a $100 credit for spending $500 in 90 days, right now, which sweetens the deal still more. A couple of months ago they sent me an offer to get the AE Blue Cash (without the $75 fee, with 3% grogeries, 2% gas and dept. stores, 1% everywhere else) with the $150 credit for spending ...
by Live Free or Diehard
Tue Aug 09, 2011 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Destroying diskettes and QIC cartridges
Replies: 14
Views: 2197

Re: Destroying diskettes and QIC cartridges

Is there a simple way (without using power tools) to physically destroy these in a way that renders them illegible? (The only ones that I can erase (with "format" and software) are the 3.5 inch diskettes, since I have nothing which can read 5.25 inch diskettes or the QW cartridges.) You could also ...
by Live Free or Diehard
Tue Jul 05, 2011 3:02 pm
Forum: Personal Consumer Issues
Topic: Kids and Math
Replies: 123
Views: 11108

Simple math is very useful in everyday life. Several years ago I used to work in a city 40 miles from where I lived. Since I'm a boglehead I also use coupons for my lunches to save money. Everytime I used the coupons at the Arby's in the city where I worked they wouldn't have the coupon code on thei...
by Live Free or Diehard
Thu Jun 09, 2011 6:25 am
Forum: Personal Consumer Issues
Topic: 0% BT offer, no transaction fee
Replies: 4
Views: 843

I received on of these 0% interest for a year BT with no transfer fee also (mine was from Chase). I'm using it to finance my new furnace/central air system. Well, I actually have money in the bank to pay for that; so I could also say that I'm putting it in my rewards checking account and getting 3% ...
by Live Free or Diehard
Mon Jun 06, 2011 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Series I Bond Education Tax Exclusion
Replies: 25
Views: 2058

If it is a mistake as indicated above, check into using the funds to fund a 529 account. I think this is allowed. That way he/she can avoid the tax with some administrative maneuvering. Wouldn't you have to cash in the bonds (and pay tax on the interest) to fund the 529? A contribution to a 529 pla...
by Live Free or Diehard
Thu May 26, 2011 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Laid Off Tuesday.
Replies: 20
Views: 4412

Re: Laid Off Tuesday.

I was let go from my company on Tuesday after six years. My 401k balance is at $45,000.00 through Wachovia. I was wondering about rolling into my Vanguard rothIRA, I don't even really know why I am asking this or why I would want to do this (I guess it would be whichever has lower fees and or which...
by Live Free or Diehard
Sun May 22, 2011 4:46 am
Forum: Investing - Help with Personal Investments
Topic: Interest Rate after 6 months on I bond??
Replies: 25
Views: 3043

But if you sell after 1 year - you are penalized 3 mos of interest... so isn't it somewhat less than 2.3% at the very minimum? (unless of course you hold for 5 yrs - but then the interest rate per yr could be much lower). If you bought a I Bond in May and held it for one year then the total gain co...
by Live Free or Diehard
Thu May 05, 2011 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Using Series EE Bonds
Replies: 4
Views: 1215

If the OP wanted to use them for his brother's education tax free he could cash them in and put the proceeds in a 529 plan in the same year. A 529 plan is considered a qualified Education Expense as far as Savings Bonds are concerned. That's assuming the Savings Bonds are eligible for tax free use f...