Search found 351 matches

by KT785
Mon Dec 02, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Airline overhead bins...do you think they're assigned?
Replies: 135
Views: 6178

Re: Airline overhead bins...do you think they're assigned?

MrBobcat wrote:
Mon Dec 02, 2019 3:43 pm
I'd have just played dumb when she asked.
Same here, and I've done so in the past in similar scenarios. :twisted:

KT785
by KT785
Thu Nov 21, 2019 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Any penalties for switching Auto insurance
Replies: 4
Views: 400

Re: Any penalties for switching Auto insurance

I have had State Farm, for auto, home and umbrella insurance for over 20 years and have been happy with them. Recently I sold my home so they canceled my Umbrella insurance according to their underwriting policy. Based on suggestions from the forum I shopped around and I found that Geico would not ...
by KT785
Fri Nov 15, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Navy Federal vs Azlo for biz checking?
Replies: 2
Views: 230

Re: Navy Federal vs Azlo for biz checking?

doss wrote:
Fri Nov 15, 2019 10:11 am
Both are FDIC insured.
Technically, NFCU is insured by NCUA since it's a Credit Union. :D
by KT785
Fri Nov 15, 2019 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony Bank (as credit card issuer)?
Replies: 10
Views: 605

Re: Synchrony Bank (as credit card issuer)?

I have a Sam's Club Mastercard that I'm likely to cancel as we've moved most of our spend to Costco (I likewise have the Costco Citi Visa). We got the Sam's card a couple years ago and used it for gas, dining, and some travel--we didn't use it for Sam's Club purchases as the Citi Double Cash card is...
by KT785
Mon Nov 11, 2019 4:08 pm
Forum: Personal Investments
Topic: New Construction Home Purchase
Replies: 17
Views: 1218

Re: New Construction Home Purchase

Wife and I relocated to the San Antonio area in February and looked primarily at new construction but ultimately bought a pre-owned, 3 year old house in our desired location. The previous owners had upgraded nearly everything during the build and had one of the best lots in the neighborhood but, sin...
by KT785
Mon Nov 11, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Hard Wired smoke alarms. Recommendations.
Replies: 34
Views: 1936

Re: Hard Wired smoke alarms. Recommendations.

Question for those with the hardwired Nest Protect systems—how (if at all) will it interact with the non-smart smokes also hardwired into the house? Thinking about replacing two of ours with the Nest (one on each floor) but if that negates the ability to trigger all smokes together, I’ll have to rev...
by KT785
Wed Nov 06, 2019 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 5020

Re: Chase Sapphire Reserve - Fees Waived?

Would the replacement card invalidate the original card? Wouldn't the replacement card come with a new number? Not to mention having a woman's name on it. I have two, identical CSR cards . . . though the way I obtained them was by accident. When I opened the account, I expected the card to be shipp...
by KT785
Tue Nov 05, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Weddings - The good? The bad?
Replies: 47
Views: 4359

Re: Weddings - The good? The bad?

We choose to have our reception at a restaurant, and it was the most convenient thing in our otherwise very DIY wedding. Would do it again in a heartbeat. The restaurant space is responsible for ADA compliance, restrooms, etc. They cater and serve and clean up. Ours provided wait staff to help set ...
by KT785
Tue Nov 05, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy with no car insurance
Replies: 18
Views: 1227

Re: Umbrella policy with no car insurance

Hi all, My son does not have a car (he is licensed). He wants to buy a Personal Umbrella Policy (reasons reserved). We called Geico and they advised that he needs to buy first a Named non Owners Policy before getting issued a Personal Umbrella Policy. The quote for the Named non Owners Policy alone...
by KT785
Tue Nov 05, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Electric shavers - foil vs rotary
Replies: 24
Views: 1968

Re: Electric shavers - foil vs rotary

I've used both types in the past(With mixed results), but I've been using a Braun Series 7 for close to ten years now. I did the same research as you at the time, and it was the most highly recommended model at the time, and based on Amazon's ratings, appears to still be a popular choice. It works ...
by KT785
Mon Nov 04, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: laddering life insurance
Replies: 22
Views: 1120

Re: laddering life insurance

37 yrs old, 31 yr old wife, 9 month old baby, baby #2 expected in April ~ $100k salary + ~ $20k in rental incomes. Wife currently staying at home but will return to some degree of work/earning in a couple years Combined my wife and I have approximately $300k in retirement/long term savings. ~ $100k...
by KT785
Mon Nov 04, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: laddering life insurance
Replies: 22
Views: 1120

Re: laddering life insurance

I considered a laddered approach when I was getting life insurance squared away a few years ago. However, after running the numbers and discussing the strategy with my broker (found through Term4Sale) I opted to go with a single policy for the maximum term/benefit I could conceivably need. In my exp...
by KT785
Fri Nov 01, 2019 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone here use a fee-only flat fee investment advisor?
Replies: 17
Views: 1677

Re: Anyone here use a fee-only flat fee investment advisor?

If I were looking, I'd check out Abound Wealth Management . The firm is run by the guys behind "The Money Guy" podcast and they appear to adhere to the Boglehead philosophy (LBYM, index investing, asset allocation, etc.). I regularly listen to the podcast and they make a quick mention of their fee-o...
by KT785
Thu Oct 31, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Vs Travelers Home Insurance
Replies: 18
Views: 1107

Re: Amica Vs Travelers Home Insurance

UpperNwGuy wrote:
Thu Oct 31, 2019 1:56 pm
What are some examples of the "high value insurance companies" that have been mentioned in some of the comments?
Chubb and PURE immediately come to mind—there are others out there, some use the “Private Client” moniker to denote such policies/brands.

KT785
by KT785
Wed Oct 16, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1435

Re: We use Finish tabs

1. Use tabs. They are the correct amount of detergent. The "wrapper" will dissolve magically during the wash cycle. 2. Use a rinse agent as it provides some protection against etching. It also helps with drying. The tabs that Bosch recommends are manufactured by Finish. Finish recommends that you u...
by KT785
Wed Oct 16, 2019 3:12 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Finally Installed - Sample Tabs [of Finish Quantum Power Ball Tabs]
Replies: 29
Views: 1435

Re: We use Finish tabs

1. Use tabs. They are the correct amount of detergent. The "wrapper" will dissolve magically during the wash cycle. 2. Use a rinse agent as it provides some protection against etching. It also helps with drying. Agree to both; I'd also suggest getting the generic dishwasher pacs from either Costco ...
by KT785
Wed Oct 16, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Prenuptial agreement for moderately successful 30 year olds
Replies: 68
Views: 5058

Re: Prenuptial agreement for moderately successful 30 year olds

I've heard that getting prenuptial agreements is getting more popular since we're getting married at a later stage in life. 30 is a "later stage in life"? I'm 32 so I must be downright decrepit :P I'd make sure you two are both truly on board with getting a prenup; if one of you is driving in that ...
by KT785
Sat Oct 12, 2019 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Cancellating and Insurance Rates
Replies: 27
Views: 1600

Re: Credit Card Cancellating and Insurance Rates

I don't know if this makes a different or not, but the person I am writing this for (doesn't use internet) has a credit card history going back 60 years with never a late payment and has only had one open credit card at a time, each for about 20 years, so let's say 3 credit cards his entire life. F...
by KT785
Sat Oct 12, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4983

Re: Best No Annual Fee Visa Credit Card with Cash Back

After learning that customer service for the Amazon Chase Visa is foreign based, I am no longer interested in that card. If that’s part of your key criteria, it will likely heavily limit your choices, at least with no annual fee cards with lucrative cash back since many/most outsource at least some...
by KT785
Fri Oct 11, 2019 11:30 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4983

Re: Best No Annual Fee Visa Credit Card with Cash Back

I would get the Amazon card for shopping at Amazon, the Costco card for at Costco and at the bonus categories, and the Citi double cash for everything else. DC is a MasterCard. Presumably OP's need for a Visa is tied to Costco usage, which having a Costco Visa addresses. I have played the credit ca...
by KT785
Fri Oct 11, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1602

Re: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

I think the biggest factor here is the $1,400 vs $2,800 deductible. I assume you have a coinsurance (20%?) after deductible. If you combine to a family plan the first $2,800 of your combined medical spend is 100% yours. So unless the two of you spend at an exact equal pace you will come out signifi...
by KT785
Fri Oct 11, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 4983

Re: Best No Annual Fee Visa Credit Card with Cash Back

I would get the Amazon card for shopping at Amazon, the Costco card for at Costco and at the bonus categories, and the Citi double cash for everything else. DC is a MasterCard. Presumably OP's need for a Visa is tied to Costco usage, which having a Costco Visa addresses. I have played the credit ca...
by KT785
Thu Oct 10, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1602

Re: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

What reasoning did your colleagues give you for them being on separate plans? Pure cost savings ($123.24 per year) plus inertia once it's been set up that way; though most I know who do this also structure their financial lives separately as well (separate checking accounts, etc.). We are financial...
by KT785
Thu Oct 10, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1602

Re: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

oldfatguy wrote:
Thu Oct 10, 2019 1:23 pm
I'm surprised you have the option ... some organizations (mine included) have a rule that spouses must be on the same plan.
No such rule at our employer--we currently have separate plans and I know colleagues who handle things either way.

KT785
by KT785
Thu Oct 10, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1602

Re: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

It looks like a couple single plans are cheaper. If you have a baby, that's a qualifying event to make a change in the insurance and you can re-evaluate then. Boy, you have cheap plans. Multiply those rates by 10 and they're still cheap. Yes, it's cheaper from purely a premium perspective (though t...
by KT785
Thu Oct 10, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?
Replies: 15
Views: 1602

Husband/Wife at Same Mega-Corp -- Individual or Joint Health Insurance?

My wife and I (no kids, yet) work for the same mega-corp and each have health insurance from the company on an individual basis. We joined this company at the same time (I was recruited and there happened to be a well aligned opening for her) earlier this year. Prior to joining the new company, I’d ...
by KT785
Mon Oct 07, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Massachusetts?
Replies: 9
Views: 568

Re: Banking in Massachusetts?

. . . but you're saying my own bank will give me the $3 back? and not charge me a separate fee to use a different bank's ATM? Correct; a number of banks (including Ally) do this, though many will cap the amount of fees they'll reimburse each month. I believe Ally reimburses up to $10 per month in f...
by KT785
Mon Oct 07, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Banking in Massachusetts?
Replies: 9
Views: 568

Re: Banking in Massachusetts?

I've had my checking account at Chase for many years, but I recently moved to Massachusetts and they don't seem to be nearly as ubiquitous as they were in my old area. Looking to possibly make a change; can any one recommend a good financial institution to set up the basics (like free checking and ...
by KT785
Fri Oct 04, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Side income ideas for a non-lawyer JD holder?
Replies: 30
Views: 2156

Re: Side income ideas for a non-lawyer JD holder?

I graduated from law school and worked "BIGLAW" for about a year before being laid off during the Great Recession. I found a non-law government job and have been employed in it since then. My job is pretty solid. I get to work from home most of the time, and have a lot of freedom during business ho...
by KT785
Thu Sep 26, 2019 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Should we refinance student loans?
Replies: 4
Views: 284

Re: Should we refinance student loans?

IIRC, when I refinanced my student loans a couple years ago, there were a number of lenders that would give you a bonus (upwards of $300+) if you refinanced with them. I'm thinking The White Coat Investor's site has a referral link for one of these bonus programs . . . . may be worth evaluating, esp...
by KT785
Thu Sep 26, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need an Umbrella Policy?
Replies: 12
Views: 1354

Re: Do I need an Umbrella Policy?

There are a ton of threads on this topic, but I'd be inclined to say most people should go ahead and get one as it provides (cheap) peace of mind.

Why not get a quote and factor that price into your decision?
by KT785
Tue Sep 24, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pitfalls in owning a mobile home park
Replies: 16
Views: 2336

Re: Pitfalls in owning a mobile home park

Check out the Last Week Tonight episode John Oliver did re: this subject for additional context.

Mobile Homes: Last Week Tonight with John Oliver

KT785
by KT785
Tue Sep 10, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Anyone with any experience with Warby Parker eyeglasses?
Replies: 37
Views: 3724

Re: Anyone with any experience with Warby Parker eyeglasses?

I have two pair of single vision WPs, the first of which is nearly 5 years old (script hasn't changed). I loved the convenience of the home try-on samples as it enables my wife to give the thumbs-up/down before I order. I also really like the conservative/classic styles they carry, am partial to the...
by KT785
Tue Sep 10, 2019 7:31 am
Forum: Personal Consumer Issues
Topic: Long term storage of clothes
Replies: 21
Views: 1616

Re: Long term storage of clothes

How long is "long term"?

I'm wondering if you could use those large vacuum bags and layer them inside the plastic bins (added layer of protection)?

KT785
by KT785
Mon Sep 09, 2019 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Stand alone personal umbrella
Replies: 7
Views: 1058

Re: Stand alone personal umbrella

While the term umbrella sounds all encompassing it only provide extensions of liability through underlying insurance coverages. This is incorrect. While it would be true to say that the vast majority of claims arising under an umbrella policy are brought through a auto/home claim, it's not true tha...
by KT785
Thu Sep 05, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Wedding/Engagement Ring Insurance
Replies: 64
Views: 4082

Re: Wedding/Engagement Ring Insurance

We have a valuable personal property policy from USAA on my wife's jewelry: wedding set is scheduled and there's blanket coverage for the rest. Premium is around $200 per year and the scheduled wedding set is valued at around $10,000. Ostensibly, the policy also covers all jewelry in the house, incl...
by KT785
Sat Aug 24, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4420

Re: When to have an Umbrella insurance policy

Consider: you get the insurance company's entire legal staff working for you with this $150 retainer--with absolute commitment to protecting the company's $1M. Quite a gross exaggeration of how it actually works . . . do not assume you’re getting any better (or different) counsel than the carrier w...
by KT785
Sat Aug 24, 2019 10:26 am
Forum: Personal Finance (Not Investing)
Topic: What do people do with finances as they approach very old age?
Replies: 17
Views: 3100

Re: What do people do with finances as they approach very old age?

My spouse, until he died, had me. I have named my daughter as co-trustee of my and my late spouse’s trust. Everything I own is in the trust except for the auto, some I bonds, my IRA, an annuity and some physical gold. Decisions, preparations and notes have been shared as to the handling of these it...
by KT785
Mon Aug 19, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Is it worth sealing half a fence?
Replies: 13
Views: 1288

Re: Is it worth sealing half a fence?

My thinking is that staining/sealing is more aesthetic than preventative of wood degradation, particularly if it's a cedar fence and/or pressure treated. Sealing the whole fence (as opposed to just one side) will potentially buy you some extra years of life out of the fence, but barring extreme cond...
by KT785
Mon Aug 05, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE - Term Life Table Rated - How to proceed
Replies: 12
Views: 768

Re: Term Life Table Rated - How to proceed

OP, I went through this a few years ago (and our backgrounds seem awfully similar). I had a diagnosis a couple of years ago for something that is essentially a chonic condition but has been in remission since shortly after diagnosis (it's gastrointestinal in nature). My wife and I went through an ag...
by KT785
Fri Aug 02, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Home Characteristics for Homeowners Insurance
Replies: 4
Views: 509

Re: Home Characteristics for Homeowners Insurance

I would personally want it insured at an accurate valuation. Why not run both scenarios to see what they estimate the value at and it’s impact on your premium (doubtful it’s that big of an impact)?

Also, presume you own the home free and clear or have a sufficient LTV?

KT785
by KT785
Thu Aug 01, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Auto Insurance Gaps
Replies: 4
Views: 346

Re: Understanding Auto Insurance Gaps

Since you're talking about a rental car, you'll need to add any rental coverage (think damage to the vehicle) provided through your credit card company to the mix as well. KT785 I have an AMEX Platinum, which I don't believe provides any coverage included (there is some add on for an additional cos...
by KT785
Thu Aug 01, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Switching jobs (401K, sign-on bonus tax withholding)
Replies: 6
Views: 763

Re: Switching jobs (401K, sign-on bonus tax withholding)

1. Do I need to do anything to avoid 401K over contribution? I already maxed out the pre-tax limit but still contributing to the after tax bucket in the current 401K plan (for maga backdoor purposes). Do I need to find out the numbers after separation happens and notify my future employer/custodian...
by KT785
Thu Aug 01, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Auto Insurance Gaps
Replies: 4
Views: 346

Re: Understanding Auto Insurance Gaps

Since you're talking about a rental car, you'll need to add any rental coverage (think damage to the vehicle) provided through your credit card company to the mix as well.

KT785
by KT785
Wed Jul 24, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: Someone at Citibank signed up for an account, then listed my email address..
Replies: 31
Views: 2425

Re: Someone at Citibank signed up for an account, then listed my email address..

I think one of OP’s major concerns is what happens if/when they decide to do business with Citi since their email address is already associated with a different account. This, filtering the emails, unsubscribing, or marking them as junk doesn’t correct the issue. OP, I’d escalate the matter to Citi’...
by KT785
Tue Jul 23, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Medical alert "button"
Replies: 45
Views: 4690

Re: Medical alert "button"

I just read over this thread and found it helpful. The last post was over a year ago, and with technology changing so quickly I would like to know if there are any new thoughts on this topic. One thought is if the person has an iPhone, an Apple Watch may be a viable solution. The newest edition (se...
by KT785
Mon Jul 15, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 6223

Re: Anyone buy the Nissan Rogue over the Honda CRV???

We are seriously considering trading our 2016 Honda Accord in for a 2019 Subaru Outback Limited. The seats in Accord have gotten very uncomfortable. We like the looks of the Outback. Test drove it Saturday; 6 cyl; handled well; good pickup onto the interstate; nice display with "knobs". We'll see w...
by KT785
Mon Jul 15, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 6223

Re: Anyone buy the Nissan Rogue over the Honda CRV???

We are seriously considering trading our 2016 Honda Accord in for a 2019 Subaru Outback Limited. The seats in Accord have gotten very uncomfortable. We like the looks of the Outback. Test drove it Saturday; 6 cyl; handled well; good pickup onto the interstate; nice display with "knobs". We'll see w...
by KT785
Mon Jul 15, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 6223

Re: Anyone buy the Nissan Rogue over the Honda CRV???

There is a Subaru dealership also next to the Honda dealership, but their SUVs are all "All Wheel Drive". I would rather save the $$ and get a front wheel drive car. I do not drive off roads and the northern Virginia roads get cleared quickly with snow so no need for "All Wheel Drive". Have you pri...