Search found 387 matches

by KT785
Fri Jul 31, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Buying a new car using Costco
Replies: 42
Views: 4257

Re: Buying a new car using Costco

FWIW, if you're looking for a Subaru, and you're in the Midwest, look in the Chicago-land area. For some reason, the Chicago dealers get better factory pricing. I used Grand Subaru in Bensenville, and I know of others getting similar pricing at other nearby dealers. Second this. I bought my Outback...
by KT785
Tue Jul 21, 2020 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance beneficiaries
Replies: 10
Views: 663

Re: Life insurance beneficiaries

ok, I do plan on creating either a living will or a trust but that's taking me time to research all my options as it's going to be fairly all-encompassing In the mean while till that's done (may take 6 months), how should I set up my life insurance beneficiaries? Thx I don't want to sound like a br...
by KT785
Mon Jul 20, 2020 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance beneficiaries
Replies: 10
Views: 663

Re: Life insurance beneficiaries

Usually the trusts under your Will for the benefit of your children. If you're in a state like California where probating a Will is said to be difficult, then probably the trusts under a revocable trust for the benefit of your children. ... Likely solution is a trust, to be funded by the life insur...
by KT785
Mon Jul 20, 2020 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance beneficiaries
Replies: 10
Views: 663

Re: Life insurance beneficiaries

Folks - after naming the spouse as your primary beneficiary, what's best practice to secure our children? Do you name them as contingent beneficiaries or simply choose " Estate of the Insured". Choosing the latter removes all primary & contingent beneficiaries but we don't have a living will as yet...
by KT785
Thu Jun 25, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: How to locate safe, clean gas stations while traveling
Replies: 38
Views: 2123

Re: How to locate safe, clean gas stations while traveling

I'm not sure what you want. I live in Texas and as far as restrooms go, then ALL the official Texas Safety Rest Areas are superbly clean and safe, but they do not sell gas. They generally all have a little micro-museum about the local area, too. Otherwise, all the major gas stations on the major ro...
by KT785
Tue Jun 02, 2020 10:55 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 341
Views: 41302

Re: How much is your cell phone bill?

Visible Wireless (owned by Verizon) - 2 lines with unlimited data - $25 per line (inclusive of taxes, fees, etc.) . . . so $50 total per month.

KT785
by KT785
Wed May 20, 2020 11:31 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1781

Re: Buying tires for 2017 Subaru Outback

I like Costco very much but a Costco is not convenient for me. I live kind of out in the "boonies" - Gotcha. If you're thinking of buying Michelins (or one of the other brands sold at Costco), you may want to track their promotions and then have your local place price match. While I buy tires at Co...
by KT785
Wed May 20, 2020 9:27 am
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1781

Re: Buying tires for 2017 Subaru Outback

I had Michelin Premier A/S tires put on my 2017 Subaru Outback back in October; purchased/installed through Costco during one of their Michelin promotions--$766.55 out the door. Ride, noise, and grip is significantly better than the OEM Bridgestones. KT785 Edit: corrected model name and price; confl...
by KT785
Tue May 19, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 107
Views: 6467

Re: What kind of sunglasses?

While I have a pair of Ray-Bans that I keep in my car (received as a gift), my main go-to for sunglasses are made by Goodr . They're designed/marketed as running sunglasses (they're lightweight and don't slip or bounce) but ultimately, they're just simple and relatively inexpensive (around $25) pola...
by KT785
Thu May 14, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2565

Re: Visible wireless. Any experience?

Does Visible have any way to make/receive calls to/from Canada? Or is it strictly 100% US? It's my understanding that it's strictly US, so no calling to/from Canada. For international travel, I plan on leveraging an eSIM as needed to supplement my Visible service. You may want to check out the Visi...
by KT785
Thu May 14, 2020 8:06 am
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2565

Re: Visible wireless. Any experience?

Wife and I just switched over last weekend from Verizon (postpaid) after reviewing various options (Cricket, Google Fi, Mint) and doing deep-dives on their Reddit threads. We previously had a shared 8GB plan with Verizon that we frequently bumped up against (mostly due to wifi issues at our large h...
by KT785
Mon May 04, 2020 12:11 pm
Forum: Personal Investments
Topic: Taxable for Young Investor
Replies: 35
Views: 2533

Re: Taxable for Young Investor

I didn't see any mention of HSA contributions . . . . if available, I'd max those out too before investing in taxable or making after-tax 401k contributions.

KT785
by KT785
Mon May 04, 2020 7:53 am
Forum: Personal Consumer Issues
Topic: [Use basement air to cool 2nd floor?]
Replies: 18
Views: 1227

Re: [Use basement air to cool 2nd floor?]

At our previous house (we now live in Texas with no basement) I had an air return installed in the basement when we had a new HVAC system installed. Basement was 3/4 finished and already had air supply vents run throughout, but no air return. Purpose of the install was mostly to balance out the base...
by KT785
Wed Apr 29, 2020 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3240

Re: State Farm Safe Driving App

I use it. It incorporates the low mileage discount as well so if you already receive that your bill won't be as low as you think. You have to put a small white box on the windscreen and it connects via bluetooth to your phone. The box is small (2.5" ish square) but not that discreet. The progressiv...
by KT785
Sat Apr 18, 2020 1:52 pm
Forum: Personal Investments
Topic: [Looking for HSA provider that offers VTSAX or VTI]
Replies: 29
Views: 1257

Re: [Looking for HSA provider that offers VTSAX or VTI]

Welcome! Did you know that Fidelity has HSA accounts? See: HSA - Health Savings Account - Benefits | Fidelity Fidelity has a number of alternatives to Vanguard, including total US market. See the wiki: Fidelity You can also buy VTI commission free at Fidelity, including via fractional shares—that’s...
by KT785
Wed Apr 08, 2020 7:59 am
Forum: Personal Investments
Topic: Retired... 401k... Now What?
Replies: 20
Views: 2630

Re: Retired... 401k... Now What?

"...should I be concerned about using Vanguard since my old rollover IRA account (with a zero balance) still exists there? (I don’t know if they use that same account when a different rollover comes in.) Also, if I do Roth conversions, do I muddy the water of my existing Roth IRA?" My guess is that...
by KT785
Tue Apr 07, 2020 7:36 am
Forum: Personal Investments
Topic: Vanguard vs Fidelity for Taxable account
Replies: 8
Views: 786

Re: Vanguard vs Fidelity for Taxable account

And Fidelity lets you trade ETFs with partial orders. In other words, you can purchase ETFs like mutual funds (in set amount of $). This is the one big difference that sets Fidelity apart--you can buy and hold at any of the others but the flexibility to buy nearly any ETF (including Vanguard's) by ...
by KT785
Sat Apr 04, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 3007

Re: is a $1000+ herman miller office chair worth the investment?

I just bought a remanufactured Steelcase Leap V2 for $450 (after promo code); I’ve had these for the last 6+ years at both my current and prior megacorps but never could justify the price of a new one for home as they’re a similes price to the HM Aeron. I looked at used ones that’s retail for $200-$...
by KT785
Thu Apr 02, 2020 9:48 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64198

Re: My LenderFi refinance is going well

For those who have refinanced with LenderFi and had their loan sold to Wells Fargo, how long did it take to get setup to make payments? I closed on 2/25 and haven't received any payment instructions yet. I closed over a week ago and won’t have a payment until May. I got an email about one week afte...
by KT785
Wed Apr 01, 2020 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Utah Remote Job, where will you relocate ?
Replies: 35
Views: 1983

Re: Utah Remote Job, where will you relocate ?

Hey LiveSimple, if you increase you potential flight time by 30 minutes or so, that would open up parts of Texas as well. We live just north of San Antonio in the Texas Hill Country and gardening here would likely be more feasible than some of the places in the Southwest. KT785 Thanks a lot, if I h...
by KT785
Wed Apr 01, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: LenderFI - What am I Missing?
Replies: 8
Views: 1096

Re: LenderFI - What am I Missing?

We closed in early March, locked in a no-cost 30 year at 3.25% (appraisal waived as well); prior rate was around 4.3%.

KT785
by KT785
Wed Apr 01, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Utah Remote Job, where will you relocate ?
Replies: 35
Views: 1983

Re: Utah Remote Job, where will you relocate ?

Actively looking to relocate from cold midwest to much warmer weather. We are looking for 10 months of Sun, able to backyard garden, small city will be better. Actively interviewing for a remote job in Utah, with travel to office a week every other month or each quarter. So planning to think, which...
by KT785
Tue Mar 24, 2020 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: refinance roll in closing costs or pay cash??
Replies: 12
Views: 831

Re: refinance roll in closing costs or pay cash??

Given your post, assuming the cash to close due not include funding of an escrow account and that those costs are really just fees and points? I would look for a no-cost refi (lender credits you enough to offset the fees (negative points)) . . . I just closed a couple weeks ago with LenderFi on a 30...
by KT785
Tue Feb 25, 2020 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64198

Re: My LenderFi refinance is going well

We locked last Friday on a no-cost 30 year fixed at 3.25%, a fair bit of savings from the 4.3% we got when we purchased the home nearly a year ago. In re-running the numbers at LenderFi, I suspect we could get even lower now, but I'm happy with 3.25% and if rates are still that low after 6 payments,...
by KT785
Tue Feb 25, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Selling a house with a safe
Replies: 26
Views: 2468

Re: Selling a house with a safe

Use the safe as an additional sales feature. Empty the contents. Leave it wide open. Simple is best. j :happy This was my thought exactly :D Our current home came with a large, bolted down gun safe in a well concealed location . . . its existence (and conveyance with the home) was part of the listi...
by KT785
Tue Feb 25, 2020 10:24 am
Forum: Personal Consumer Issues
Topic: ARM Designation
Replies: 6
Views: 448

Re: ARM Designation

I have the ARM designation, though technically the ARM-E which required an ERM exam in addition to the three ARM exams. My understanding is that The Institutes has revised the program starting this year and no longer offers the ARM-E and instead incorporates ERM content throughout the three ARM cour...
by KT785
Sun Feb 23, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Online bank recommendations
Replies: 32
Views: 2911

Re: Online bank recommendations

USAA for checking and Ally for savings.

KT785
by KT785
Mon Feb 17, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 661
Views: 64198

Re: My LenderFi refinance is going well

also started the process with Lenderfi. whats is difference between "Estimated cash to close" and "Closing Cost"? What is included in "Estimated cash to close?" "Cash to close" includes additional costs (not lender fees), namely the initial funding for your escrow account. Even with a "no cost" ref...
by KT785
Mon Jan 06, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Home Security Systems
Replies: 8
Views: 725

Re: Home Security Systems

OP, I would look at other monitoring companies that can take over the equipment you already have. The downside to the newer companies (with lower monthly fees) is that you'll have to buy the equipment upfront . . . and the equipment is usually proprietary (SimpliSafe, Ring, etc.) and can't be servic...
by KT785
Sun Dec 29, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Visible wireless. Any experience?
Replies: 20
Views: 2565

Re: Visible wireless. Any experience?

Wife and I just switched over last weekend from Verizon (postpaid) after reviewing various options (Cricket, Google Fi, Mint) and doing deep-dives on their Reddit threads. We previously had a shared 8GB plan with Verizon that we frequently bumped up against (mostly due to wifi issues at our large ho...
by KT785
Tue Dec 24, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: Auto Liability Insurance - amounts? $250k/$500k/$100k OK?
Replies: 17
Views: 1825

Re: Auto Liability Insurance - amounts? $250k/$500k/$100k OK?

Numbers in a single accident can add up fast. Hit one luxury car that hits another in front and you can easily exceed $100k in property damage alone. The insurance company for the vehicle that hit the Subaru (which then hit our Prius) paid out around $900k. Property damage was the least of it. The ...
by KT785
Mon Dec 16, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: Internet speed vs Modem speed
Replies: 17
Views: 1331

Re: Internet speed vs Modem speed

I have a fairly new (2 year old?) router that I could reconnect. Would this be a decent cable modem? https://www.amazon.com/ARRIS-Surfboard-SB6183-Package-Black/dp/B01ITIXYR0/ref=sr_1_10?keywords=cable+modem&qid=1576538480&refinements=p_76%3A1249137011%2Cp_n_condition-type%3A2224371011&rnid=2224369...
by KT785
Mon Dec 16, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: Internet speed vs Modem speed
Replies: 17
Views: 1331

Re: Internet speed vs Modem speed

Depending on how old your current modem is its specs, you may actually need to upgrade to realize the higher speeds from your provider. I had to upgrade in 2018 and noticed significant boost in performance. I should note that I own my own router and always have . . . and would recommend you do the s...
by KT785
Mon Dec 09, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Summer trip to Germany ideas requested
Replies: 50
Views: 2563

Re: Summer trip to Germany ideas requested

My gut feel is that this could be a great trip to take with your Mom but if you could take it earlier in the year(May ?) that might work better. With only seven days you might also feel a bit rushed if your Mom wants/needs to have some slow days. If you could schedule a few more days that might mak...
by KT785
Mon Dec 09, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Summer trip to Germany ideas requested
Replies: 50
Views: 2563

Re: Summer trip to Germany ideas requested

What about staying in Nuremberg as a base instead of Munich? From the responses, it sounds like it's centrally located enough that it might make a nice "base" for day trips. Giving mom a place to rest each night (no moving luggage from place to place). Is that a correct assumption? Oh, I will get s...
by KT785
Mon Dec 09, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Summer trip to Germany ideas requested
Replies: 50
Views: 2563

Re: Summer trip to Germany ideas requested

I am hot and cold on Neuschwanstein. I keep wondering if it's worth it because it sounds overly crowded and I wonder if it's a lot like Versailles in that it's so full of people it's really not a good visit. I rather see someplace less famous but still really nice if it's less crowded. Plus, Neusch...
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: 6759

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: 455

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: 316

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: 16
Views: 1187

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: 1328

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: 49
Views: 3654

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: 5550

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: 4896

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: 1516

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: 2277

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: 1275

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: 1275

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: 2035

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: 1324

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