Search found 200 matches

by vbdoug
Wed Nov 18, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 54
Views: 6643

Re: iPhone upgrade trick w/AT&T

Good luck on getting through to the help line of AT&T by using their suggested number of 888 445 6005. I have been disconnected four times in the last hour without getting through to an agent. Their chat line help says the waiting time to speak to an agent is 2 minutes. It has been thirty. I wri...
by vbdoug
Fri Nov 13, 2020 9:00 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 54
Views: 6643

Re: iPhone upgrade trick w/AT&T

Got the phone yesterday and sent the old one out today using one of AT&T's corporate stores. I traded my XR for an iPhone 12. Cost was $30 activation, @$80 tax, and $3.34 a month for thirty months. All went rather seamlessly. Thanks again for posting.
by vbdoug
Fri Nov 06, 2020 10:52 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade trick w/AT&T
Replies: 54
Views: 6643

Re: iPhone upgrade trick w/AT&T

Thanks for the post. I had problems with the web site so I went to the store. He said to get the deal I had to do it online. My problem was that no local stores carry the iPhone 12 so I was led on a circuitous route. Bottom line [I think} is: I traded in my XR and will pay $30 [activation], $76 [in ...
by vbdoug
Fri Nov 06, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Automatic Dishwasher Detergent
Replies: 23
Views: 1742

Re: Automatic Dishwasher Detergent

I had a Samsung repairman come in last week to work on my refrigerator. He recommended liquid Cascade for the dishwasher.
by vbdoug
Mon Oct 19, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: HM Bradley savings plan 3% APY
Replies: 52
Views: 5225

Re: HM Bradley savings plan 3% APY

Escapevelocity stated and asked: "I also opened an account and am working on getting my direct deposit set up. Where do you see the offer of the rate going to 3.5% with the credit card?". From their web site, if I am interpreting it correctly. "Boosting the Savings Tier on Your HMBrad...
by vbdoug
Sun Oct 18, 2020 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: HM Bradley savings plan 3% APY
Replies: 52
Views: 5225

Re: HM Bradley savings plan 3% APY

I am giving it a shot. I opened an account for $200. My SS will be direct deposited to them in December. I entered their plan to be offered a credit card; with their credit card I believe the rate goes up to 3.5%. After that I will transfer more cash. Their current lowest rate is 1% and their highes...
by vbdoug
Sat Jul 25, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 86
Views: 45797

Re: Will not using my dishwasher cause problems?

I think the answer to the original poster's question is "yes". As the "original" re-poster for 2020, the answers have been: 1. weekly 2. occasionally [twice] 3. 2-3 weeks 4. 2 weeks Therefore, I plan to use my dishwasher every two weeks to maintain it. A poster asked me why I wou...
by vbdoug
Sat Jul 25, 2020 12:36 am
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 86
Views: 45797

Re: Will not using my dishwasher cause problems?

I rarely used my dishwasher, except maybe a couple of times a year to maintain it. Perhaps I did not use it as much as I should have, because it broke. I just purchased a new Samsung dishwasher and have been researching how often I need to use it to maintain it. Consensus appears to be about a week ...
by vbdoug
Wed Jul 08, 2020 12:39 am
Forum: Personal Consumer Issues
Topic: Global Entry Interview conditional approval (365 day clock)...
Replies: 15
Views: 1223

Re: Global Entry Interview conditional approval (365 day clock)...

They cancelled me for the second time last week. I had had an appointment for the 3rd of August. First available near me [Los Angeles] was made for the 7th of December. Nice to learn they have extended the one year waiting period; the first I heard of that was right now in this thread.
by vbdoug
Tue Jun 16, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 90
Views: 15482

Re: The unicorn mortgage: 30 year fixed under 3%

Re United Wholesale's 2.5% APR I have been speaking to a mortgage broker who offered 3% He indicated the rate was higher because it is a condo and it is considered a "low value" loan. Not bad, but I was hoping for a lower rate. Re Better. So I got an AX card today to qualify for the $2500 ...
by vbdoug
Fri Jun 05, 2020 1:42 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402755

Re: What Movie Have You Recently Watched?

"Never Look Away" on Starz, A 189 minute German film with subtitles. What to like? An epic film offering more than you can imagine.
by vbdoug
Thu Jun 04, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: The unicorn mortgage: 30 year fixed under 3%
Replies: 90
Views: 15482

Re: The unicorn mortgage: 30 year fixed under 3%

Re seawolf21 » Wed May 13, 2020 Anybody seen this being offered? United Wholesale Mortgage now offering mortgage interest rates as low as 2.5% https://www.housingwire.com/articles/uw ... ow-as-2-5/ I spoke with a broker associated with United Wholesale today and we may do some business. I am current...
by vbdoug
Mon Apr 06, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6013
Views: 1402755

Re: What Movie Have You Recently Watched?

"The Fall of the American Empire". This a a Montreal crime movie with English subtitles currently on Starz and not my usual cup of tea. It is a very underrated and enjoyable film. I even enjoyed the ending because it was so laughably anti-capitalistic as to be almost a parody of left-wing ...
by vbdoug
Mon Apr 06, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 258
Views: 22468

Re: What are you doing for haircuts due to coronavirus shutdown?

My girlfriend cut my hair. She did a pretty good job
by vbdoug
Mon Apr 06, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6216

Re: How are you exercising with gym closures

Upper body exercises with light weight dumbbells. The beaches and trails are closed; I walk a lot with audio books.
by vbdoug
Tue Mar 24, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Where's Warren Buffett During This Crisis?
Replies: 181
Views: 26235

Re: Where's Warren Buffett During This Crisis?

So is anyone buying Berkshire? I am considering it.
by vbdoug
Tue Mar 24, 2020 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: What credit card are you using that is not Citi 2% cashback?
Replies: 57
Views: 7838

Re: What credit card are you using that is not Citi 2% cashback?

Costco Citi for Costco and restaurants.
Fidelity for all automatic charges done electronically.
Priceline [Barclaycard] for everything else.
All are non-fee cards that offer 2% or more,
by vbdoug
Sun Feb 09, 2020 11:55 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1498
Views: 176265

Re: What frugal thing did you do today?

Today: I had my Costco-purchased Starbucks pot of drip “Mr Coffee”. Cost @ 1.00 My Costco-purchased large omelet and later steak. Cost @ $4.00 Read my eBay-purchased WSJ. Yearly cost @ $80 Swim in my condo pool . Cost 0.0 I have lived in my paid-for condo for forty years. Property tax Low I have a 2...
by vbdoug
Sun Feb 09, 2020 11:10 pm
Forum: Personal Investments
Topic: 17 mo CD 2.25 apy Is there better?
Replies: 35
Views: 3384

Re: 17 mo CD 2.25 apy Is there better?

Arrowhead Credit Union has been offering a 2.5% APY 13 month promotional CD for almost a year. I have now purchased two CDs there. You need to pay $5 to open an account. To qualify you will need to go to their office in a grocery store in Torrance Ca. and you must live in the local area. If you are ...
by vbdoug
Sat Dec 14, 2019 1:39 am
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5594

Re: What are you giving (or asking) for Christmas?

I asked my girlfriend to buy us two open cockpit flights on Pacific Blue Air over Los Angeles. I told her I would pay half.
by vbdoug
Thu Dec 12, 2019 8:33 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 10
Views: 2447

Re: CD 2.5% apy 13 month term

Did you ask if you could deposit $500K at this rate? I did not. I just called the toll free number for Arrowhead. The agent initially was unaware of the promotion. To get more information she requested all sorts of information about me. Then she went to her advisors and told me there was no cap, alt...
by vbdoug
Thu Dec 12, 2019 5:09 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 10
Views: 2447

Re: CD 2.5% apy 13 month term

Final thoughts. Non-callable by the credit union. Insured by the NCUA. If I cash it early there is a loss of 60 days interest. Total fees are $5 for joining credit union. The branch manager did not know why they do not advertise this rate more than they do. The offer has been in effect for a few mon...
by vbdoug
Thu Dec 12, 2019 11:54 am
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 10
Views: 2447

Re: CD 2.5% apy 13 month term

My online bank is Purepoint but I like the fact that a local bricks and mortar bank is so close, although I probably will not go back there until the CD matures. The timing on this will be fine for my bond ladder. I am still not sure why "They may not want to be overwhelmed with new money"...
by vbdoug
Wed Dec 11, 2019 9:09 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 10
Views: 2447

CD 2.5% apy 13 month term

I was in a local grocery store in Torrance, Ca and I noticed a small branch office of the Arrowhead Credit Union. I saw a small sign that advertised a 13 month CD at a rate of 2.5%. They confirmed that was a valid promotional offer and was available for a limited time. They also stated that it was F...
by vbdoug
Fri Nov 22, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 6183

Re: 70+year Oldies: Anyone buying the C8 Corvette?

ohai wrote: I'd wait a year or two to see how prices settle down. For example, when the new Supra came out, dealers marked prices up aggressively, as they anticipated high demand. However, it turns out that not many people have been rushing to buy sports cars, and you can get Supras for a discount t...
by vbdoug
Fri Nov 22, 2019 4:11 am
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 6183

Re: 70+year Oldies: Anyone buying the C8 Corvette?

Re Vettes and more curiously Supras, ohai indicates Supras are going for less than MRSP. What is your source of information for that? I got a quote on a Supra through Costco that was at invoice, but I figured it might be a bait and switch. Please advise.
by vbdoug
Sun Nov 17, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Help :- Need a power wheelchair
Replies: 21
Views: 1999

Re: Help :- Need a power wheelchair

Years ago I had a powered wheelchair to sell. Because the government subsidies them, there is a very small demand for used wheelchairs. I ended up donating it to charity. I would agree with the first poster: Craig's List or Nextdoor.
by vbdoug
Tue Oct 29, 2019 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 4092

Re: Part D - thinking of shifting to Walmart

I have been with Humana/Walmart in California for four years. No complaints, but I received the following from a Medicare advisor a few weeks ago: "You are currently in the Humana/Walmart Medicare Rx Part D plan and it's a $29.90/month premium. You should have received the ANOC (Annual Notice o...
by vbdoug
Mon Oct 28, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: Anyone have an issue with Corelle plates?
Replies: 38
Views: 4152

Re: Anyone have an issue with Corelle plates?

I inherited 15-year-old Corelle plates twenty years ago. All still perfect. They will last me until I die.
by vbdoug
Mon Jul 01, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 25
Views: 9119

Re: Costco Free Screenings

Sam's used to offer similar services monthly and then quarterly until this last January when they discontinued them altogether. I have been going to Costco forever and had never been aware of them offering this service. The Costco pharmacy told me today that my store offers "Healthy Heart"...
by vbdoug
Fri Jun 07, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 10414

Re: Costco or Sam's Club?

I am a proud member of the Cult. I needed to join Sam's because of my Medicare Part D. I prefer Sam's for parking, emptiness {compared to Costco}, free {and good} wi-fi, and quick check-out using my Sam's smart phone app. There are only a few items I purchase there. Sam's did offer free monthly {and...
by vbdoug
Wed May 29, 2019 2:54 pm
Forum: Personal Investments
Topic: i-bonds
Replies: 5
Views: 1580

Re: i-bonds

I made my purchase today. Thank you all for your comments.
by vbdoug
Sat May 25, 2019 6:30 pm
Forum: Personal Investments
Topic: i-bonds
Replies: 5
Views: 1580

i-bonds

I plan to purchase 10k this year. I know I missed the last deadline. I realize this is market timing, but is there any consensus on if I should buy later this month {to get the credit} or should I wait until the next update later this year?
by vbdoug
Mon May 06, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Where do you shop to get best deal for home appliance/electronics?
Replies: 22
Views: 2350

Re: Where do you shop to get best deal for home appliance/electronics?

I am a huge fan of Costco and rarely shop at Best Buy. Some years ago I purchased a MacBook at BB {it was cheaper there than Apple} and a few months ago purchased an iPad also at BB {it was cheaper than Costco. Go figure.
by vbdoug
Wed Feb 27, 2019 1:23 am
Forum: Personal Consumer Issues
Topic: Which Free Antivirus for Macs?
Replies: 26
Views: 1885

Re: Which Free Antivirus for Macs?

Malwarebytes was recommended to me by Apple and I have been using it for the last year without any problems or issues.
by vbdoug
Wed Feb 27, 2019 1:16 am
Forum: Personal Finance (Not Investing)
Topic: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT
Replies: 12
Views: 1239

Re: Bank Bonuses w/ Debit Card Activity as Requirement = No 1099-INT

I have been playing the banking/credit card game for awhile. Last year I received 1099s but this year none at all on nearly $1500 in earnings. My CPA said not to worry about so I will not.
by vbdoug
Tue Feb 12, 2019 2:30 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9660

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I always purchase tires at Costco. I went in last month to replace the front tires out of necessity. Costco told me the rear tires were 5 years old and needed to be replaced. The tread on each tire was more than 2/3rds gone and if I purchase four new tires {as opposed to two} I would save $100 and a...
by vbdoug
Tue Feb 05, 2019 2:33 am
Forum: Personal Investments
Topic: Why ally bank
Replies: 98
Views: 15817

Re: Why ally bank

I am a bigger fan of PurePoint but just recently opened an account at Ally. I cannot comment on their customer service because I have not used it. I read in this forum that people favor Ally because it has a great track record and that is the reason that they have received some of my investment.
by vbdoug
Thu Jan 31, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: iPhones with trade in
Replies: 22
Views: 1509

Re: iPhones with trade in

Post by cutterinnj » Thu Jan 31, 2019 5:01 pm

Still rocking my 6S from 3+ years ago. Replaced the battery last year and will likely do it again within a year.

If you have the 6S or the SE, I’m not sure there’s a great reason to upgrade unless you really need animated emojis.




+1
by vbdoug
Thu Jan 31, 2019 6:41 pm
Forum: Investing - Theory, News & General
Topic: WSJ Letter on Indexing and Bogleheads
Replies: 46
Views: 5071

Re: WSJ Letter on Indexing and Bogleheads

Helo80 wrote: ↑Tue Jan 29, 2019 8:23 pm I'd be happy to invest in an actively managed fund and pay the 1% ER (or whatever it is) if it will contractually equal or beat the S&P500 every year. I think the above statement by Helo80 is brilliant. The fact that a managed fund has never made this offe...
by vbdoug
Sat Jan 19, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 6571

Re: Is California worth the premium?

Of course California is worth it, if you have enough money. And you better have that. Kids will need to go to private school sunless you live in the nicest areas. Safety, ditto. Homeless camps are all over L.A.; its a tragedy. Local government is derelict in their duties. Pets; watch out for the coy...
by vbdoug
Fri Jan 18, 2019 1:22 am
Forum: Personal Consumer Issues
Topic: Audio book options
Replies: 28
Views: 1549

Re: Audio book options

Hoopladigital.com is the best. Lots of availability, easy renewals and totally FREE. I walk/hike a lot and have listened to scores of books on my iPhone. Highly recommended!
by vbdoug
Fri Jan 18, 2019 1:00 am
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 91
Views: 9401

Re: Swimming, do you? Advice sought.

I am 68 and swim 3/4 of a mile every other day in our 60 foot pool. I don't kick turn and my only stop is a split second at each length. The key is breathing effectively and efficiently, and it is amazing how much better you can become even at an older age. I have shoulder issues and have a odd stro...
by vbdoug
Thu Jan 17, 2019 3:48 am
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 62293

Re: John Bogle has died at age 89

Plus one for everyone.
He was a great man.
by vbdoug
Thu Dec 20, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reconciliation
Replies: 5
Views: 925

Re: Vanguard Reconciliation

On the weekend I like to note the value of my Vanguard holdings. Now they not reconciled until Monday morning. Is this a new thing?
by vbdoug
Sun Dec 16, 2018 10:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reconciliation
Replies: 5
Views: 925

Vanguard Reconciliation

After a Friday close of the stock market, I would check {in vanguard.com} "My Accounts" and "Balances and Holdings". As one might expect, the amounts differed. However, in the past these amounts would be reconciled by Saturday morning. The last few weekends I have noticed that th...
by vbdoug
Fri Dec 14, 2018 12:04 am
Forum: Personal Consumer Issues
Topic: Buying a WSJ on Ebay
Replies: 37
Views: 8374

Re: Buying a WSJ on Ebay

+1.
Except my last subscription ended in early November and cost me $85.39 for one year.
by vbdoug
Wed Nov 28, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: best Mac malware program?
Replies: 13
Views: 1274

Re: best Mac malware program?

Sometimes it is best to do nothing. In the past Apple has indicated the best malware detection program is not to get one; they did not recommend any. Recently Apple did recommend Malwarebytes free program. I have used it for a few months without issue. Certainly stay away from MacKeeper.
by vbdoug
Fri Nov 16, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 7240

Re: Ally just raised Online Savings accounts to 2% APY

PurePoint has been 2.15% for awhile.