Search found 47 matches

by NorthDakota
Fri Aug 07, 2015 8:59 am
Forum: Personal Consumer Issues
Topic: Paris Itinerary questions
Replies: 33
Views: 2852

Re: Paris Itinerary questions

I drove in and out of Paris a month ago and I will say that traffic is pretty crazy, definitely an experience with all the motorbikes weaving in between traffic, not to mention the roundabouts. I'd spend time in the city and then leave, only use it as a limited base for day trips. Also be cognizant ...
by NorthDakota
Tue Jul 07, 2015 4:23 pm
Forum: Personal Consumer Issues
Topic: Mobile Phone SIM to use in Austria/Switzerland
Replies: 6
Views: 1116

Re: Mobile Phone SIM to use in Austria/Switzerland

I was just in Austria and Switzerland last week and used T-Mobile's free international data and it worked great. It's not fast, probably a little less than 3G speeds but google maps worked great. I did have to call T-Mobile when I arrived to re-provision my phone. Other than that I had no issues. I ...
by NorthDakota
Thu Jun 11, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 4075

Re: iPhone 6 or 6 plus for light business travel?

6 Plus no question! I have had the 6 and 6 plus and yes at first it seems large but you get used to it very quickly. I also got rid of my iPad after a couple weeks as the 6 plus is great for reading. The battery life is also very impressive. The 6 battery life is a joke in comparison. The camera on ...
by NorthDakota
Wed Jun 10, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Airline flight booking
Replies: 22
Views: 6126

Re: Airline flight booking

Google Flights is probably the easiest to use but Kayak is also good. You can't really find many "deals" anymore. All the sites aggregate the same data. If you are looking for a good flight deal then check theflightdeal.com daily. It's unbeatable.
by NorthDakota
Tue Jun 02, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 19460

Re: Heads up on a great CC promotion (Chase Freedom)

My credit score is worth more than chasing offers. Already got a mortgage on a house. Already have a car loan. Am married. I cannot think of any other reason to ensure that my credit score is near the top, can you? In short, I couldn't care less about my credit score. Too bad I already have the Cha...
by NorthDakota
Tue Jun 02, 2015 2:01 pm
Forum: Personal Consumer Issues
Topic: Heads up on a great CC promotion (Chase Freedom)
Replies: 51
Views: 19460

Re: Heads up on a great CC promotion (Chase Freedom)

Uncle Pennybags wrote:My credit score is worth more than chasing offers.
I have 12 credit cards and a 780 credit score. You're just leaving money on the table by not chasing offers. :moneybag
by NorthDakota
Fri May 29, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: Buying iPhone 6 at full retail
Replies: 33
Views: 10141

Re: Buying iPhone 6 at full retail

I bought a iPhone 6 Plus on craigslist for $580 and pay $32 flat a month through Harbor Mobile (T-Mobile). I have seen no better deal anywhere. I understand T-Mobile does not work everywhere but for my area it works fantastic.
by NorthDakota
Wed May 27, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Tips for extended European Trip
Replies: 23
Views: 3392

Re: Tips for extended European Trip

T-Mobile offers free international data and text. It's not fast but it works. Don't be paranoid. The odds of you getting hacked logging into your credit card or bank accounts are slim. Pay as you go just like normal. Get a chip and sig credit card with no foreign transactions fees. Barclay's Arrival...
by NorthDakota
Tue May 26, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 6404

Re: iPhone with or without contract?

Buy an unlocked phone and get on Harbor Mobile (T-Mobile). Harbor Mobile is a business plan re-seller for T-Mobile. They say it is only for business plans but they really don't care who signs up. They never asked me anything about a business when I signed up. https://www.harbormobile.com/plans/ Been...
by NorthDakota
Tue Apr 28, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Your First Credit Card
Replies: 23
Views: 2697

Re: Applying for Your First Credit Card

+1 Chase Freedom (Simple and easy cash back card with no annual fee, great way to get your feet wet)
by NorthDakota
Thu Apr 23, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 14879

Re: How to pay real estate tax with Target Redcard

I need a Redcard but they don't sell them in my state. How do I get one? I bought mine on Ebay. This is the easiest way to get the REDcard +1 If you are in an area that does not carry them make sure to explain that you load it just like a gift card, otherwise target employees will be very confused....
by NorthDakota
Tue Apr 21, 2015 5:02 pm
Forum: Personal Consumer Issues
Topic: How to pay real estate tax with Target Redcard
Replies: 102
Views: 14879

Re: How to pay real estate tax with Target Redcard

Just billpay your credit card and pay off the card you loaded your redbird with. Don't overcomplicate this. Mail a personal check like normal to your county or city.
by NorthDakota
Sat Apr 18, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Is there a good IPOD alternative?
Replies: 27
Views: 8401

Re: Is there a good IPOD alternative?

MP3's are on their way out. Spotify and other streaming services are the future. Frustrating for those of us with huge MP3 libraries I know.
by NorthDakota
Fri Apr 10, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Best current credit card sign-up bonus
Replies: 7
Views: 1888

Re: Best current credit card sign-up bonus

The real question is what do you want to do with the points/miles bonus?
by NorthDakota
Thu Apr 09, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Home Depot Credit Card
Replies: 16
Views: 2176

Re: Home Depot Credit Card

If I was you I would start purchasing cardpool.com home depot gift cards as sometimes you can get them for 12-13% off. Significant savings and you can get them almost immediately through electronic gift cards. Sometimes is a bit of a pain to keep track of the gift cards but the savings to me are wo...
by NorthDakota
Thu Apr 09, 2015 1:09 pm
Forum: Personal Consumer Issues
Topic: How smart are thermostats?
Replies: 43
Views: 5268

Re: How smart are thermostats?

I have had the nest for over a year and would buy it again. I did not like the learn function as I have a very random schedule. The best is that you can log in from anywhere and see what the temp is, change the schedule, and see what your usage has been and compare it to other homes near you. The ab...
by NorthDakota
Thu Apr 09, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Home Depot Credit Card
Replies: 16
Views: 2176

Re: Home Depot Credit Card

If I was you I would start purchasing cardpool.com home depot gift cards as sometimes you can get them for 12-13% off. Significant savings and you can get them almost immediately through electronic gift cards. Sometimes is a bit of a pain to keep track of the gift cards but the savings to me are wor...
by NorthDakota
Wed Apr 08, 2015 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: making the switch to Ally Bank
Replies: 51
Views: 8656

Re: making the switch to Ally Bank

Have had Ally checking and savings for two years. The only negative I can think of is that I have to go to the local credit union to deposit cash and then transfer to my ally account. Not complaining. No ATM fees, nominal other fees, great rates and an awesome phone app as well as good telephone sup...
by NorthDakota
Fri Apr 03, 2015 7:30 am
Forum: Personal Finance (Not Investing)
Topic: How do we send money to Europe from the U.S.?
Replies: 10
Views: 1423

Re: How do we send money to Europe from the U.S.?

Paypal no question. I do it all the time.
by NorthDakota
Thu Apr 02, 2015 9:53 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 200
Views: 73172

Re: Master thread for Washington DC Area Bogleheads

I stay for work near the VASQ metro stop about 3-4 weeks a year. I plan to crash one of these meetings soon. :happy
by NorthDakota
Thu Apr 02, 2015 12:44 am
Forum: Personal Consumer Issues
Topic: Failed Aeroflot booking: What to do?
Replies: 48
Views: 5382

Re: Failed Aeroflot booking: What to do?

Maybe you should call your credit card company to clear the charges as it may be rejecting them for possible fraud given the nature of the purchase.
by NorthDakota
Thu Apr 02, 2015 12:01 am
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 7183

Re: MacBook Air or MacBook Pro

I just faced this same decision. I had owned a 13" Macbook Air since 2011 and was looking to upgrade. I got the mid-2014 13" Macbook Pro with the retina screen for $1249 online (MGX82LL/A), you don't really need the newest model there is very little difference. The retina screen blows the MBA out of...
by NorthDakota
Tue Mar 31, 2015 10:58 am
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 55
Views: 9066

Re: [living in] Minneapolis-St. Paul

I moved from Fargo, ND to Minneapolis in 2013 and love it here. I have not seen this isolation concept one poster stated, but I have heard people talk about how people can be that way. Taxes are definitely higher and there are more crime areas than North Dakota obviously, but does not seem to be a h...
by NorthDakota
Thu Mar 26, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 124
Views: 27304

Re: Manufactured Spending - Good Idea / Bad Idea?

Now we're engaging in the absurd. I strongly disagree that you have to be generating 100k of spend per month to be "manufactured spending." I think if you did a poll on flyertalk you'd see that most people are in the 5-25k range. I would agree that most people are below $25k, as after that it start...
by NorthDakota
Tue Mar 17, 2015 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 3949

Re: Buying Euro for Vacations?

Just use the ATM at the airport. Don't waste your time trying to time the market.
by NorthDakota
Fri Mar 13, 2015 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 3949

Re: Buying Euro for Vacations?

Luckily my father is traveling to Poland next month. I will be forking over a few K as well for him to convert while there. Many banks in NYC have Euro and many other physical currencies. However the spread is not as good as physically being in Europe to convert. Poland is not in the eurozone. Am I...
by NorthDakota
Thu Mar 12, 2015 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Using cellphone from Mexico
Replies: 8
Views: 1445

Re: Using cellphone from Mexico

In what part of Mexico will you be traveling? Our ATT phones worked fine from the Yucatan, not from Mexico City. This is why we switched to T-mobile-pretty much worldwide coverage. I just got back from Cabo San Lucas and there was no signal at all for Tmobile or ATT. I don't think GSM networks are ...
by NorthDakota
Tue Mar 10, 2015 8:48 pm
Forum: Personal Consumer Issues
Topic: Old homes and radiator heating
Replies: 41
Views: 9492

Re: Old homes and radiator heating

Another chime in. I live in a 1927 home with radiator heat. Love it. We have a high efficiency boiler and it heats well. The walls are not insulated well and we are considering blowing in insulation in the future. Added more insulation in the attic last year and that helped substantially. We are in ...
by NorthDakota
Tue Mar 10, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: Trip to [Zihuatanejo] Mexico
Replies: 37
Views: 5461

Re: Trip to Mexico

Go to a local ATM when you arrive. Make sure your bank doesn't charge ridiculous fees for using a foreign ATM. My credit union charges a flat $1 fee for use of any ATM anywhere in the world, whereas some of the larger banks like Wells Fargo will charge a flat $5 fee plus 3% of your withdrawal. I tr...
by NorthDakota
Fri Mar 06, 2015 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Pay Off Student Loans
Replies: 14
Views: 3713

Re: Best Way to Pay Off Student Loans

You can always move to North Dakota for six months and refi under the state owned bank. They have a crazy deal right now where they will refi all of your loans regardless of origination. Variable rate is 1.74%! My sister has taken advantage of this program and was able to shave years off her repayme...
by NorthDakota
Thu Mar 05, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Credit Cards and Travel Questions
Replies: 22
Views: 8128

Re: Credit Cards and Travel Questions

In all the points game there is no doubt the SW companion pass is the best deal out there. :sharebeer ONLY if you frequently travel with another person, you travel to the areas southwest serves, and you don't mind flying into smaller airports/making connecting flights if you aren't at a southwest h...
by NorthDakota
Wed Mar 04, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: Credit Cards and Travel Questions
Replies: 22
Views: 8128

Re: Credit Cards and Travel Questions

If you want to fly domestically then I would highly recommend the southwest chase cards. There is even a companion pass which can give great value. Google it for more information. This is the best value in travel rewards if you live near a southwest airport and can qualify for a business card. We h...
by NorthDakota
Wed Mar 04, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Anyone Else Think Nest Thermostat is Buggy?
Replies: 30
Views: 4516

Re: Anyone Else Think Nest Thermostat is Buggy?

The nest certainly is pretty. But I really question the logic of society of disregarding the downsides of having everything connected to wi-fi. Personally the cost savings and convenience of an automated thermostat outweigh the negligible risk of being hacked. Living in a cold weather climate the a...
by NorthDakota
Tue Mar 03, 2015 11:29 pm
Forum: Personal Consumer Issues
Topic: Credit Cards and Travel Questions
Replies: 22
Views: 8128

Re: Credit Cards and Travel Questions

Thanks ND and Will for your suggestions. I don't think I'd qualify for the Southwest business card. I took a look at both Barclays Arrival and Chase Sapphire (at the pointsguy and a few other websites). Seems several websites are giving the edge to Chase Sapphire but I have to admit I don't quite u...
by NorthDakota
Tue Mar 03, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Credit Cards and Travel Questions
Replies: 22
Views: 8128

Re: Credit Cards and Travel Questions

I would recommend getting multiple travel credit cards and develop a strategy a year in advance to get as much paid for with points as is possible. I would check out a site like thepointsguy.com to get started. If you are trying to get free international travel, primarily to europe, I would recommen...
by NorthDakota
Tue Mar 03, 2015 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home without a realtor
Replies: 23
Views: 2646

Re: Buying a home without a realtor

If you're getting a lawyer, then you don't need a realtor. A lawyer/closing company can handle the transaction, and I'm willing to bet you can negotiate a fair price by looking at comparable homes that sold in the last 12 months. Serious question: Where do you get reliable data for this? I sold my ...
by NorthDakota
Sat Feb 28, 2015 6:27 pm
Forum: Personal Consumer Issues
Topic: Getting Australian Dollars
Replies: 13
Views: 2064

Re: Getting Australian Dollars

You could definitely simplify your life by getting an ALLY checking account. Practically no fees for anything (does have foreign transaction fees) and pays the highest rates. Never been charged a dime for taking out money out of an ATM anywhere in the world. Only drawback is there are no brick and m...
by NorthDakota
Wed Feb 04, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 3605

Re: Preventing Ice Build up in my roof gutters

Likes others have stated the only real solution is increase insulation in the attic and improve soffit ventilation as the snow is melting from heat in the attic and then when it gets to the eaves it freezes as they are colder than the rest of the roof. I have a home built in the 1920's and increased...
by NorthDakota
Thu Jan 15, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 39
Views: 7366

Re: Wifi Thermostat??

I have had two nests in my house for the last year and have been very happy with them. The app and online access are top notch based on my experience.
by NorthDakota
Sat Jan 10, 2015 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 8809

Re: Looking for low cost cell phone plans...

I have been using harbormobile which is basically just tmobile service on a business plan although you don't need a business to join. Seems kinda sketchy but it's been great so far. I pay $33 flat a month for unlimited talk and text + 2.5 GB of 4G data. Obviously huge savings compared to other plans...
by NorthDakota
Fri Jan 09, 2015 11:14 am
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 61
Views: 8709

Re: Help me to understand time shares

My wife and I sat through a one-on-one Starwood timeshare presentation in St. John's in Feb '14 and it a terrible experience. The guy first came at us for 45 minutes then brought in another corporate lady for 30 min. When we told everyone no about 10 times they left and then another guy claimed he w...
by NorthDakota
Wed Jan 07, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Adult 3-Couple Getaway
Replies: 4
Views: 1552

Re: Adult 3-Couple Getaway

Try VRBO.com (Vacation Rentals By Owner), now merged with HomeAway.com They've got a huge listing base of cabins and condos throughout the country (and overseas, too, now). We list there. Just look for a place where you'll have personal contact with an owner, preferably, or at least a manager, rath...
by NorthDakota
Wed Jan 07, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 101
Views: 1251172

Re: How Many Credit Cards do you have?

I'm completely baffled as to why anyone would need or want more than a very small number. Between the two of us my wife and I have two--"our" main card, one account with two cards in each of our names, and "her" card, which she got as part of an airline frequent flyer travel deal. We have always li...
by NorthDakota
Thu Oct 23, 2014 1:25 pm
Forum: Personal Consumer Issues
Topic: Phone for Europe trip
Replies: 24
Views: 2580

Re: Phone for Europe trip

If you only need data and text I would second T-Mobile's plans. I personally have the month to month plan through Harbor Mobile (T-mobile) and it's slick for $33 flat a month. I have went about purchasing SIM's in different countries and sometimes it is a pain and other times it is easy, such as in ...
by NorthDakota
Fri May 23, 2014 10:08 am
Forum: Investing - Theory, News & General
Topic: FDIC Question about GE banks
Replies: 3
Views: 1312

Re: FDIC Question about GE banks

GE operates 2 separate banks - GE Capital Bank (used for institutional purposes) and GE Capital Retail Bank. Both have separate FDIC numbers, and have a number of subsidiary banks that have been rolled into each. Does this mean you can have up to $250K in each, and still be covered by FDIC? Two dif...