Search found 46 matches

by JustBill
Sat Jun 17, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Paying for item on EBay - problem
Replies: 6
Views: 686

Re: Paying for item on EBay - problem

If your paypal account remains linked to a checking account, the funds will come from there. You might review your checking account online for such a transaction.
by JustBill
Wed Feb 22, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 3970

Re: Staying at Disneyworld

OP, I suggest you become familiar with the process of renting points from a DVC owner for accommodations of the type you have referenced. I suggest once you know what the concept is, you visit the rent/trade board at mouseowners.com to deal directly with an owner. There are also DVC point brokers w...
by JustBill
Tue Feb 21, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 3970

Re: Staying at Disneyworld

OP, I suggest you become familiar with the process of renting points from a DVC owner for accommodations of the type you have referenced. I suggest once you know what the concept is, you visit the rent/trade board at mouseowners.com to deal directly with an owner. There are also DVC point brokers wh...
by JustBill
Mon Jun 06, 2016 8:14 pm
Forum: Personal Consumer Issues
Topic: Things to do in and around Tortola, BVI
Replies: 9
Views: 836

Re: Things to do in and around Tortola, BVI

I have spent many weeks on Tortola for business matters, and usually stayed at Nanny Cay which isn't far from where you will be. The island was definitely blessed with a lot of natural beauty and there are many tours and excursions available. Often there are festivals of some sort going on, but I mu...
by JustBill
Mon Apr 04, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Anyone own DVC?
Replies: 10
Views: 1333

Re: Anyone own DVC?

We have owned DVC for about 15 years. As you'll hear frequently among owners, the only regret we have is we didn't purchase when first we became aware. It has provided an avenue for us to take family, friends, and the children's friends for an affordable, predictable vacation. One of the draws was t...
by JustBill
Tue Mar 22, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: 1 Hotel Stay Every Week: How to get the best discounts?
Replies: 8
Views: 1257

Re: 1 Hotel Stay Every Week: How to get the best discounts?

During the many years when I traveled and had an average of 3 nights per week in a hotel, I always found bidding on Priceline.com provided the lowest cost option. A few years back they began a program called Express Deals. This too was a cost effective option. Never had an issue.
by JustBill
Thu Mar 05, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get out of debt, now that my wife is onboard
Replies: 22
Views: 3406

Re: Trying to get out of debt, now that my wife is onboard

If you have 70K in home equity, perhaps you should consider a refinance to get rid of that 5% APR first mortgage and also rid yourself of the HELOC that is stressing you.
by JustBill
Mon Dec 09, 2013 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Any way to protect parent from themselves?
Replies: 9
Views: 1383

Re: Any way to protect parent from themselves?

This reply doesn't address the bigger part of the issue, but to pass along something I ran across just this evening that may be an option for your mother's employment situation. UnitedHealth has posted positions on careerbuilder.com for work from home call center RNs. There was a physical radius gui...
by JustBill
Tue Nov 19, 2013 10:56 pm
Forum: Investing - Theory, News & General
Topic: Is It TIme to be Nervous About Municipal Bonds?
Replies: 25
Views: 2674

Re: Is It TIme to be Nervous About Municipal Bonds?

Odd. CNBC's Saturday night financial guru was just this past Saturday singing the praises of buying municipal bonds. To the extend that all her "new" investment money is going into municipal bonds. Go figure.
by JustBill
Tue Jul 30, 2013 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Building Credit -- Keep the loan?
Replies: 17
Views: 1745

Re: Building Credit -- Keep the loan?

Welcome to the boards. Part of your FICO evaluation considers the different types of credit experiences in one's history. So albeit the APR on the auto loan is somewhat high, the actual interest dollars is small, and I'd keep it in place for a while. Also, with a $500 Cl on a credit card, virtually ...
by JustBill
Tue Jul 30, 2013 10:08 pm
Forum: Personal Consumer Issues
Topic: Seeking alternatives to hotels or extended stays
Replies: 20
Views: 1918

Re: Seeking alternatives to hotels or extended stays

nothing to do with lodging but here are some recommendations: Steak - any Jeff Ruby restaurant - Precient my favorite Ice Cream - Graeters Hamburger - Terry's Turf Club or Zips Pizza: Deweys Market : Findley Street Market Best Baseball in US: Reds Montgomery Inn will also be a must-do while staying...
by JustBill
Fri Jul 26, 2013 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Changing savings account in search for higher yield
Replies: 20
Views: 2174

Re: Changing savings account in search for higher yield

I came to Capital One 360 via their purchase of ING Direct since we were depositors there. Absolutely no complaints about account access, fund transfer efficiency, or ease of their website. This surprises me because I expected a bad experience. Now, if they'd just get rid of Alec Baldwin as a spokes...
by JustBill
Tue Jun 25, 2013 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Would you accept offer with 100% financing contingency?
Replies: 28
Views: 3090

Re: Would you accept offer with 100% financing contingency?

3. Will these buyers give you earnest money? That should be in the contract. There is certainly the possibility that these could be good buyers, but it seems to be a very one-sided deal, with almost all the advantages to them and very few to you. See how much non-refundable earnest money they're wi...
by JustBill
Fri Jun 14, 2013 10:33 pm
Forum: Personal Consumer Issues
Topic: Some questions about personal credit
Replies: 11
Views: 1550

Re: Some questions about personal credit

True that prior bad debt history should expire after X number of years, but the creditor certainly re-report the unpaid/settled debt to the bureaus forever, and likely will. The Fair Credit Reporting Act limits how old a delinquency can be reported by your credit bureau; it's based on the date of d...
by JustBill
Wed Jun 12, 2013 11:06 pm
Forum: Personal Consumer Issues
Topic: Some questions about personal credit
Replies: 11
Views: 1550

Re: Some questions about personal credit

I like the way you're doing things and suggest you continue to resist being a slave to the fico score. But today's reality may prove that to be not in your best interest, even when it comes to insurance and employment crossroads. True that prior bad debt history should expire after X number of years...
by JustBill
Wed Apr 24, 2013 10:40 pm
Forum: Personal Consumer Issues
Topic: Is there any way to minimize loses in my situation?
Replies: 17
Views: 2183

Re: Is there any way to minimize loses in my situation?

Possibly you could find a friend from your social media contacts who is about to make a fine jewelry purchase and work a deal with them to utilize your credit for a reasonable discount from the 7K.
by JustBill
Fri Apr 05, 2013 12:12 am
Forum: Investing - Theory, News & General
Topic: Orange Cash~ING style
Replies: 3
Views: 892

Re: Orange Cash~ING style

OP I agree this is a great and simple concept that I wish more folk would view and learn from. In today's debit card, credit card, and online transfer world however, too many fail to equate any spending to either green or orange cash and don't "feel" or "register" the transaction...
by JustBill
Fri Mar 08, 2013 11:00 pm
Forum: Personal Consumer Issues
Topic: grass trimmer?
Replies: 18
Views: 2271

Re: grass trimmer?

Can anyone recommend a grass trimmer, preferably cordless? I've had a couple during the last ten years and in each case wound up throwing them out after many struggles with string jams. I did use the prewound spools. Thanks. The string thing was one of my absolute top priorities when evaluating whi...
by JustBill
Mon Feb 11, 2013 12:45 am
Forum: Personal Consumer Issues
Topic: Primer or Paint with Primer?
Replies: 24
Views: 4374

Re: Primer or Paint with Primer?

You seem to be referencing a walking surface. None of the previously noted products are well-suited candidates to provide suitable long-term service to this type of area. You should evaluate a porch and floor or floor and deck product and follow label directions for appropriate primer for your situa...
by JustBill
Fri Feb 01, 2013 12:04 am
Forum: Personal Consumer Issues
Topic: uses for old laptop?
Replies: 28
Views: 4439

Re: uses for old laptop?

Don't feel bad, I still have and use an DOS 3.2 Machine with a 40MB HD. I run LOTUS 123 on the beast. Also have two Apple machines. investor I think this is taking "Bogleheads frugal" way beyond the point of diminishing returns... Who is frugal ? I just bought my first Cell Phone and also...
by JustBill
Sun Jan 20, 2013 11:28 pm
Forum: Personal Consumer Issues
Topic: Low VOC cabinet paints
Replies: 6
Views: 818

Re: Low VOC cabinet paints

I assume you plan to brush and/or roll this unit as apposed to spray applying the finish. And flat surfaces such as shelves often encounter complaints of the paint blocking or sticking. So I suggest you search a Ben Moore or California Paints dealer and look at either Advance from Moore or NexTech f...
by JustBill
Fri Jan 18, 2013 12:26 am
Forum: Personal Finance (Not Investing)
Topic: HELOC woes
Replies: 14
Views: 1875

Re: HELOC woes

I'm also one of these guys who pays cash for cars, pays off any credit card bills every month and does all those other financially responsible things. But that is going to bite me on the butt on the HELOC, meaning that I will have to liquidate some mutual fund assets I'd prefer not to. To hell with...
by JustBill
Mon Jan 07, 2013 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: switching auto insurance company
Replies: 23
Views: 2681

Re: switching auto insurance company

Any experiences with USAA for auto insurance that someone would care to share?
by JustBill
Mon Dec 31, 2012 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 5076

Re: Buying a new car without having dealer do credit check?

I can confirm no SSN is required for the dealer to pull credit report. Dealer just did this to me, and it was a hard pull. Not happy I can assure you that any business that would perform what turned out to be a hard pull without my signed permission would become my new full time hobby of causing th...
by JustBill
Mon Dec 31, 2012 1:02 am
Forum: Personal Finance (Not Investing)
Topic: does it make sense to pass on the flex acct at work?
Replies: 64
Views: 5413

Re: does it make sense to pass on the flex acct at work?

Going forward we're only discussing the tax benefit on an annual maximum of $2,500 set-aside into the FSA. Yet still there's no reason not to pay for predictable and necessary medical expenses without the whack of taxation.
by JustBill
Thu Dec 27, 2012 10:27 pm
Forum: Personal Consumer Issues
Topic: How to purchase Grandmother's Leased Car
Replies: 13
Views: 1835

Re: How to purchase Grandmother's Leased Car

You need to read the lease agreement. It's quite possible the lease company will want notice a certain days from lease end that your grandmother intends to purchase the car. Likely the purchase transaction can/will take place without a dealer being involved. That's got to be worth something.
by JustBill
Sun Dec 23, 2012 12:40 am
Forum: Personal Consumer Issues
Topic: New car or used car?
Replies: 31
Views: 3620

Re: New car or used car?

I will only buy new cars. I have locked into the Toyota Camry for the last 2. I keep them not until they are near wrecks but about 10-12 years and about 100K miles. I am 60 and my car is now 75,000 years old and 9 years of age. I don't drive that much so the 90K service might be the last if I get t...
by JustBill
Sun Dec 23, 2012 12:30 am
Forum: Personal Finance (Not Investing)
Topic: PMI
Replies: 14
Views: 2067

Re: PMI

My dd and her husband are purchasing a new home. Navy Federal, when qualifying them for a mortgage as they started looking for a home, said they would qualify for a rate of about 3.8% because of the amount they would be putting down. that is 30 years fixed. I don't believe they would be paying PMI....
by JustBill
Sat Dec 15, 2012 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new car without having dealer do credit check?
Replies: 64
Views: 5076

Re: Buying a new car without having dealer do credit check?

If a dealer asks to see your drivers license for a test drive, they are pulling a report. Don't they need SS# to pull a report? Often information is readily available without SS#. DL# speeds the process and zeros-in on the correct "John Smith". These are soft pulls however and are used as...
by JustBill
Thu Dec 06, 2012 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Too Much Insurance
Replies: 15
Views: 1429

Re: Too Much Insurance

If you are a single person and nobody depends on you for anything, Life Insurance is a waste of money. The only thing where costs are passed on to someone else is funeral expenses, but a lot of employers may already offer this as part of a benefit package. Check to see if yours does. One thing to c...
by JustBill
Fri Nov 30, 2012 10:48 pm
Forum: Personal Consumer Issues
Topic: I need some help searching for a job.
Replies: 7
Views: 1524

Re: I need some help searching for a job.

In response to your assertion of being shy or introverted, I suggest you work on this particular area as fundamental to a successful career search. I personally am not at all an extravert but when I put the need to be forward or assertive in the category of work duties, it takes some of the personal...
by JustBill
Thu Nov 08, 2012 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth vs income.
Replies: 45
Views: 7130

Re: Net worth vs income.

I doubt anyone who earns $400K per year could ever save $200K per year. After state and federal taxes, they might have about $225K net from which they have to pay all of their family expenses, retirement contributions, health insurance, etc. I think it's more reasonably to expect to save about $100...
by JustBill
Wed Oct 17, 2012 7:32 pm
Forum: Personal Consumer Issues
Topic: Portable Drill / Screw Gun - battery replacements?
Replies: 13
Views: 1175

Re: Portable Drill / Screw Gun - battery replacements?

Oddly enough I received a promotional email from batteries.com today for 15% off power tool batteries. Use code VRM12
by JustBill
Tue Oct 16, 2012 8:23 pm
Forum: Personal Consumer Issues
Topic: Portable Drill / Screw Gun - battery replacements?
Replies: 13
Views: 1175

Re: Portable Drill / Screw Gun - battery replacements?

Perhaps I've just been lucky, but batteries.com has proven a good, competitive source for replacement power cells for tools and laptops. They frequently send via email discount specials, free shipping..., and the like. When our children were younger and the need existed for what seemed like 1000's o...
by JustBill
Wed Sep 19, 2012 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: 401k to pay off mortgage?
Replies: 16
Views: 2174

Re: 401k to pay off mortgage?

Very good points indeed. I tried to rid of my PMI thinking I had paid down the 20 percent. Been in my home from 2001, made all of my payments ect...House was roughly 100k and I owe like 80k on it, give or take a little, but this is how I found out I was "under water". After paying up 100 ...
by JustBill
Tue Aug 21, 2012 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice: aging relative with severe debt
Replies: 18
Views: 3583

Re: Need advice: aging relative with severe debt

Part of the decision regarding which path to take depends on how the relative is wired. Credit card collectors on this amount of debt will be rabid and aggressive in pursuit of payment. Can he tolerate collection agents contacting his every imaginable relative, known associate, and neighbor seeking ...
by JustBill
Tue Aug 21, 2012 11:04 pm
Forum: Personal Consumer Issues
Topic: Do You Haggle? If so: when, for what, how?
Replies: 94
Views: 11999

Re: Do You Haggle? If so: when, for what, how?

As it is that I travel constantly for my job, I will use that to my advantage during price discussions. Stating that I'm in "your" town on a temporary business trip, or traveling outside my normal territory on special assignment, and that if the deal isn't made "you" won't get an...
by JustBill
Fri Apr 20, 2012 11:24 pm
Forum: Personal Consumer Issues
Topic: advice re auto financing post PenFed rejectn
Replies: 12
Views: 1180

Re: advice re auto financing post PenFed rejectn

I suggest you consider using the financial institution that has carried the lease. Or at least approaching them. Some time back we were involved in a lease with 5/3 bank on a Lexus SUV that I thought for sure the wife wouldn't want to drive for long. Well, she loved that car and wanted to keep it fo...
by JustBill
Wed Apr 18, 2012 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I send my mortgage check via certified mail?
Replies: 8
Views: 1747

Re: Should I send my mortgage check via certified mail?

You're probably worrying too much. But to worry less, send the payments cert mail.
by JustBill
Mon Apr 16, 2012 8:29 pm
Forum: Personal Consumer Issues
Topic: Advice on retirement...not financial, but what to do all day
Replies: 72
Views: 6930

Re: Advice on retirement...not financial, but what to do all

Do some of you Bogleheads get work, part time or full time? (I don't need the pay). I've been retired 8yrs, was able to get a P/T job 6 years ago and it's the only thing I look forward to doing. Wow, that is as profound and telling statement that I've read in a while. Perhaps because I'm afraid tha...
by JustBill
Sun Feb 19, 2012 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: GM credit card - top off earnings
Replies: 5
Views: 841

Re: GM credit card - top off earnings

Yes, received notice just this past week. FWIW we only had like $35 of earned rebate remaining, yet they topped up to 2k.
by JustBill
Tue Feb 14, 2012 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Jeremy Lin is a Boglehead...
Replies: 42
Views: 5505

Re: Jeremy Lin is a Boglehead...

sunspotzsz wrote: save too much.


Like a car too fast? or a girl too pretty??
by JustBill
Tue Jan 17, 2012 12:21 am
Forum: Personal Finance (Not Investing)
Topic: Refi Vehicles to Refi Mortgage
Replies: 7
Views: 472

Re: Refi Vehicles to Refi Mortgage

Of course you could sell the cars and use the proceeds for cash at closing, and purchase other less costly vehicles for cash. If you decide to borrow against the cars before refinancing, you could have one auto loan, with both vehicles as collateral. I can certainly understand why you're motivated t...
by JustBill
Tue Jan 10, 2012 10:13 pm
Forum: Personal Consumer Issues
Topic: Priceline.com
Replies: 6
Views: 2710

Re: Priceline.com

I travel to perform my job, and spend 2-3 nights weekly in blasted hotels. I use priceline almost exclusively. For example, a 4* near St. Louis tomorrow, $45. More populous cities render the best deals. I usually prefer the 2&1/2* hotels for easy in and out, no surcharges for internet, and no co...
by JustBill
Tue Jan 10, 2012 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards and Credit Score
Replies: 7
Views: 930

Re: Credit Cards and Credit Score

creditboards.com also has many fico obsessed people lingering there. You'll find many, many fico score threads there.