Search found 183 matches

by Greenewashed
Sun Jun 10, 2012 6:49 am
Forum: Personal Finance (Not Investing)
Topic: Poll: your financial assets > debt?
Replies: 56
Views: 4489

Re: Poll: your financial assets > debt?

acegolfer wrote: Given the results so far, more than half BHs don't have any debt.
How do you conclude this from the poll results?
by Greenewashed
Sun Jun 10, 2012 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Question about refinancing with Amerisave
Replies: 16
Views: 2121

Re: Question about refinancing with Amerisave

porcupine wrote: +1. I once entered my phone number and contact info at Amerisave, and now, each time I check the site for rates, I get a phone call not 5 minutes later. Of course, it goes to voicemailhell and I don't listen to it! I think that is creepier.

- Porcupine
Delete your cookies.
by Greenewashed
Thu Jun 07, 2012 5:02 pm
Forum: Personal Consumer Issues
Topic: Another reason why you should never reuse passwords...
Replies: 249
Views: 55569

Re: Another reason why you should never reuse passwords...

If I have my gmail address set to two-factor authentication, is it safe to store all of my passwords in a Google Docs file?
by Greenewashed
Mon May 14, 2012 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Newly Engaged! Looking for wedding budgeting advice
Replies: 14
Views: 2052

Re: Newly Engaged! Looking for wedding budgeting advice

Congratulations! A quick way to budget for a "typical" wedding is to divide your budget in half and allocate that to your reception. Then split the rest evenly among flowers, photography, attire, music, and everything else. That's a starting point, and you can reallocate based on what's most importa...
by Greenewashed
Thu May 10, 2012 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: [should my friend] strategically default?
Replies: 96
Views: 6085

Re: [should my friend] strategically default?

[...]If the owner truly can't afford the home then that is not strategic default. Strategic default is when you can afford to make the payments, but choose to walk away. Read alternative #3 in OP. - Porcupine Are you referring to the war chest? I don't think this is a standalone alternative. It's t...
by Greenewashed
Thu May 10, 2012 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: [should my friend] strategically default?
Replies: 96
Views: 6085

Re: [should my friend] strategically default?

If they could refinance, they'd consider staying. But, they can not "afford" to keep making a $2800 payment on an $80k salary. It is idiotic to do this, and very risky. No cash cushion, no savings. This person ran into personal trouble (partner fled) and was left holding the bag. This otherwise pru...
by Greenewashed
Thu May 10, 2012 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding on what to cut from our budget?
Replies: 33
Views: 6073

Re: Deciding on what to cut from our budget?

We want to go to Ireland and have a $5500 CD set aside, which I thought would be plenty. Not!!!! But I digress. That should be plenty unless you insist on flying first-class or staying in luxury hotels. Why do you think it wouldn't be enough? For example, here is air, hotel and car for 6 nights for...
by Greenewashed
Thu May 10, 2012 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Is Bank of America tricking me on foreclosure purchase?
Replies: 70
Views: 4501

Re: Is Bank of America tricking me on foreclosure purchase?

joppy wrote: +1. [Edit: Looks like Greenewashed replied the same as I did before I did.]
I may have gotten in first, but your explanation was much more eloquent. :sharebeer
by Greenewashed
Thu May 10, 2012 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Is Bank of America tricking me on foreclosure purchase?
Replies: 70
Views: 4501

Re: Is Bank of America tricking me on foreclosure purchase?

But this was a multiple-offer highest-bidder-wins scenario. That's what our realtor told us. Is that not how it normally works; was the realtor wrong? I think it's unlikely that anyone would expect the highest bidder to win automatically. BEST offer maybe, but not highest. This is the third or four...
by Greenewashed
Thu May 10, 2012 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Is Bank of America tricking me on foreclosure purchase?
Replies: 70
Views: 4501

Re: Is Bank of America tricking me on foreclosure purchase?

I'm the OP. I've assumed up to this point that the bank was insinuating the other bidder was higher than me (whether a lie or not). But now I'm leaning toward the possibility that I was in fact the high bidder, now being lured into a higher price. I thought you realized that. Yes, that's the rub of...
by Greenewashed
Thu May 10, 2012 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Is Bank of America tricking me on foreclosure purchase?
Replies: 70
Views: 4501

Re: Is Bank of America tricking me on foreclosure purchase?

There are ways to restart the clock. He can counter lower and tell the bank he got carried away negotiating and has since run the numbers and realized he can't pay that much (he can blame this miscommunication on his wife or the lender to make this more believable). Or that now that the bank has sho...
by Greenewashed
Thu May 10, 2012 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Is Bank of America tricking me on foreclosure purchase?
Replies: 70
Views: 4501

Re: Is Bank of America tricking me on foreclosure purchase?

To be fair, I posted my experience at the same time as OP. So he'd only had one testimonial at that point, and maybe he overlooked it? OP, another question I'd have is how long the house has been on the market. If it's been on the market for months, it's suspicious that there would suddenly be two v...
by Greenewashed
Thu May 10, 2012 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Is Bank of America tricking me on foreclosure purchase?
Replies: 70
Views: 4501

Re: Is Bank of America tricking me on foreclosure purchase?

The exact same thing happened to us, but with a private seller. We gave our best and final offer (slightly above asking price) and the seller countered $15k higher. We said no, best and final means best and final. About a week later, he agreed to our price. We dodged a bullet because the appraisal c...
by Greenewashed
Fri May 04, 2012 9:59 am
Forum: Personal Consumer Issues
Topic: Slide and photo negative scanning services
Replies: 4
Views: 1149

Re: Slide and photo negative scanning services

I used Scancafe.com to scan some slides. You have to wait a while for the service because they send your photos to India for processing. The tradeoff is that it's less expensive than services with a faster turnaround time. One thing that was super annoying was that the return shipping cost was expen...
by Greenewashed
Wed May 02, 2012 2:57 pm
Forum: Personal Consumer Issues
Topic: Cash for gold
Replies: 9
Views: 1371

Re: Cash for gold

I've sold scrap gold and silver to Midwest Refineries (http://www.midwestrefineries.com/). They have no minimum and no fees. They pay out 90% of the value of platinum.
by Greenewashed
Tue Apr 24, 2012 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Delete
Replies: 1
Views: 358

Delete

.....
by Greenewashed
Mon Apr 16, 2012 10:27 am
Forum: Personal Finance (Not Investing)
Topic: thoughts on the 50-30-20 budget?
Replies: 31
Views: 6690

Re: thoughts on the 50-30-20 budget?

I've read All Your Worth . It's by Elizabeth Warren and her daughter. Remember EW concerns herself with the lower middle class, the "two-income trap," etc. She isn't really targeting people making $200,000/year, although if those people are living beyond their means they could definitely use this bo...
by Greenewashed
Fri Oct 21, 2011 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend is an heiress, who should pay?
Replies: 197
Views: 17699

Re: Girlfriend is an heiress, who should pay?

Being in a long-distance relationship you are a prime candidate for a roommate situation. Use the money you save to buy the plane tickets. Solved. You are talking about a few thousand dollars a year here--if you really want to make the relationship work, you will find a way.
by Greenewashed
Sun Oct 09, 2011 8:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get a wife interested in personal finance
Replies: 61
Views: 6768

Re: How to get a wife interested in personal finance

Maybe you mean spouses and not necessarily wives? I know it sounds sexist even though I'm definitely not If it quacks like a duck....... Didn't mean to cause any controversy here, but I guess gender terms are probably sensitive enough to be 'off-limits' if there's such sentiment about the posts. Wi...
by Greenewashed
Mon Feb 21, 2011 10:38 am
Forum: Personal Consumer Issues
Topic: Slate article: "I Hate My iPad"
Replies: 24
Views: 4877

livesoft wrote:I don't think I will ever pay $604 for a Scrabble game.
:lol:

To be fair, it's not just Scrabble. There's also Angry Birds.
by Greenewashed
Sun Feb 20, 2011 4:17 pm
Forum: Personal Consumer Issues
Topic: hawaii big island suggestions
Replies: 19
Views: 3006

Re: hawaii big island suggestions

suggestions on restaurants Merriman's in Kamuela -- expensive but excellent This reminds me, I wish the guidebooks had warned me about Kamuela/Waimea! They made it out to be some kind of picturesque shopping town, and really it's a generic exurb-type town full of strip malls and completely unwalkab...
by Greenewashed
Sun Feb 20, 2011 4:13 pm
Forum: Personal Consumer Issues
Topic: hawaii big island suggestions
Replies: 19
Views: 3006

If you are indeed active and don't have nonrefundable reservations, I would strongly suggest staying near Volcanoes Nat'l Park. There are several inns just outside the park entrance. We just got back from the big island and stayed 3 days in Volcano Village, hiked our butts off every day and still di...
by Greenewashed
Sat Feb 19, 2011 3:04 pm
Forum: Personal Consumer Issues
Topic: Slate article: "I Hate My iPad"
Replies: 24
Views: 4877

I've borrowed Mr. Greenewashed's iPad and I think it's terrific for travel (it's nice to have internet capabilities with a bigger screen than a smartphone, and not have to carry a laptop or even a netbook--oh and we downloaded the Scrabble app for $5 and ditched our bulky travel Scrabble) and for a ...
by Greenewashed
Tue Feb 08, 2011 9:22 am
Forum: Personal Finance (Not Investing)
Topic: 0.0% APR credit cards - catch?
Replies: 17
Views: 11714

I believe that under the recent credit-card legislation, issuers are now required to apply payments to the highest APR first. The rules have changed, so read the fine print.
by Greenewashed
Thu Jan 20, 2011 10:10 am
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 155
Views: 30470

This sounds mundane, but kitchen gadgets have a huge return on investment. For $15 you can get an Oxo can opener to replace the $1 one you got at the grocery store that hurts your hand every time you use it. A mango cutter to get the pit out in two seconds. An extra set of measuring cups and spoons ...
by Greenewashed
Tue Jan 11, 2011 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: A cautionary tale: Check your paystubs
Replies: 4
Views: 1681

A cautionary tale: Check your paystubs

A payroll error at Yale University caused underwithholding of taxes for 61 employees with same-sex-partner health benefits. Yale will be recovering the underwithheld taxes from the affected employees via payroll deduction over the next three months. According to one employee who did not want to be p...
by Greenewashed
Tue Jan 11, 2011 3:28 pm
Forum: Personal Consumer Issues
Topic: Verizon Will Offer the iPhone Next Month
Replies: 39
Views: 4553

No contracts for me, especially if pricing will be similar to AT&T (close to $100/month for voice and data). I've thought about getting an unlocked iPhone and trying to make it work for voice with my T-Mobile prepaid plan, but haven't gotten around to doing the research. No contracts for me. It wil...
by Greenewashed
Tue Jan 11, 2011 2:44 pm
Forum: Personal Consumer Issues
Topic: Verizon Will Offer the iPhone Next Month
Replies: 39
Views: 4553

No contracts for me, especially if pricing will be similar to AT&T (close to $100/month for voice and data). I've thought about getting an unlocked iPhone and trying to make it work for voice with my T-Mobile prepaid plan, but haven't gotten around to doing the research.

No contracts for me.
by Greenewashed
Tue Jan 11, 2011 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Money Magazine Subscription and Paypal: BEWARE!!!
Replies: 11
Views: 6128

Out of curiosity, I went to money.cnn.com and clicked "Subscribe to Money" at the top right of the page. I don't subscribe to Money, so I may have seen a different screen than you, and certainly a different offer--13 issues for $14.95. This page reads, in part, Pay now with your credit/debit card or...
by Greenewashed
Thu Jan 06, 2011 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Buying home
Replies: 11
Views: 1307

Chuck wrote:This is sure to be a pile-on, but here goes...

No one should be buying a home with their boyfriend, ever.
Does your answer change if the buyers cannot enter into a legally recognized marriage?
by Greenewashed
Thu Jan 06, 2011 12:01 pm
Forum: Personal Consumer Issues
Topic: Hotel in/near Union Square in SF
Replies: 22
Views: 3342

A tip on parking/driving. If you need a car and are a member of Zipcar, consider renting one by the day in SF. I did this when I stayed in Union Square--rented a Zipcar within a few blocks of my hotel. The price was competitive with the regular car rental agencies (especially when you figure in that...
by Greenewashed
Thu Dec 30, 2010 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Saving money on Groceries - Online shopping?
Replies: 23
Views: 3771

Try to find a neighborhood meat+produce market. You might not find everything you need, but prices for fresh produce should be vastly lower than at the big grocery stores. You won't save money doing PeaPod. Their prices are as high as, if not higher than, grocery stores, their sales aren't great, an...
by Greenewashed
Tue Dec 28, 2010 4:05 pm
Forum: Personal Consumer Issues
Topic: Restaurant gift certificate protocol
Replies: 19
Views: 2344

Bring your friend, order the lobster, share a good bottle of wine, and if service was at least good, leave a huge tip to bring the total to $250.
by Greenewashed
Sun Sep 05, 2010 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Accountant made a mistake on my taxes. How would you handl
Replies: 38
Views: 7144

The real problem though is if any future mistakes are made that costs me significant amounts of money, I can't really push the matter due to family ties. [snip] I may be too quick to judge on this issue, and wouldn't want to lose a good accountant over a small error. You seem to be saying two thing...
by Greenewashed
Sat Aug 28, 2010 8:23 am
Forum: Personal Consumer Issues
Topic: Kindle vs Nook
Replies: 40
Views: 8909

I just got a Sony Reader and I love it. I chose it over the Kindle because, unlike the Kindle, you can use it to read free e-books from the library, or add public domain books to it for free from sites like Project Gutenberg. The trade-off is that there are fewer books for purchase from the Sony sto...
by Greenewashed
Sat Aug 28, 2010 8:19 am
Forum: Personal Consumer Issues
Topic: O/T Pawn stars vs American Pickers
Replies: 38
Views: 9242

Pawn Stars is entertaining but I agree it's quite scripted and I REALLY hope the people who come in aren't really selling their valuable antique widgets based entirely on the appraisal of the owners' buddies. Get a second, IMPARTIAL opinion before you part with your authentic Paul Revere gravy bowl,...
by Greenewashed
Tue Jul 06, 2010 7:17 am
Forum: Personal Consumer Issues
Topic: Airline search to anywhere
Replies: 11
Views: 5670

Paladin wrote:
Sirrip wrote:http://www.Kayak.com :D
Nope. You need to put in a destination as well. That's not what the OP asked for.
Nope. kayak.com/explore brings up a map of low fares from your city. You can narrow it down by date range or price range, or not.
by Greenewashed
Tue Jun 29, 2010 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: extended warranty for used minivan
Replies: 17
Views: 2020

We bought a used car over the weekend also. The financing guy pushed the warranty HARD. He tried a lot of tricks to get us to buy it--dropping the price, telling us the warranty was "free" because it would be rolled into a lower-interest loan, suggesting that the car was a problem car and would defi...
by Greenewashed
Wed Jun 23, 2010 10:37 am
Forum: Personal Consumer Issues
Topic: ebay [returning item]
Replies: 12
Views: 1542

Ebay is not the customer is always right place nor are the sellers on ebay. I disagree with this! Ebay's policies are VERY friendly to the buyer. This is the rare exception. There's a good discussion of the whys and wherefores here: http://answercenter.ebay.com/thread.jspa?threadID=1000205155&mod=1...
by Greenewashed
Tue Apr 14, 2009 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating sale prices on a house
Replies: 29
Views: 5635

I'd suggest searching the public records yourself (some counties have the records available for free or for a fee online) rather than relying on Zillow. Zillow does not list the most recent sale for my home (i.e., my own purchase), and as a result its estimate is lower than both the unit above me an...
by Greenewashed
Tue Mar 31, 2009 4:33 pm
Forum: Personal Consumer Issues
Topic: Why isn't Visa card accepted at Sam's Club?
Replies: 46
Views: 12886

Cool list, Bob. The first two bullets (the McDonalds results and the supermarket shoppers) seem misleading because people may decide how to pay after they see the bill. The same person might pay cash if the bill is $2 but if it's $20 will pull out the plastic. But in my own life, just limiting mysel...
by Greenewashed
Tue Mar 31, 2009 11:40 am
Forum: Investing - Theory, News & General
Topic: Guaranteed 25% instantaneous return
Replies: 81
Views: 10570

eurowizard wrote:So you want a tax-credit for something you didnt earn or deserve?

Sounds like fraud to me. --Inflamatory remark deleted--.
Touché!
by Greenewashed
Tue Mar 31, 2009 9:13 am
Forum: Personal Consumer Issues
Topic: Why isn't Visa card accepted at Sam's Club?
Replies: 46
Views: 12886

Since going cash-mostly I find that I save FAR more than 2% on all my purchases. I just naturally spend a lot less when I pay with cash. Not only am I more aware of my spending when I'm out and about, but I've cut down on online purchases. (I still use a debit card for those.) I have a hunch that me...
by Greenewashed
Tue Mar 31, 2009 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Discounts for Cash?
Replies: 31
Views: 4470

Specialized wrote:Congratulations, you've got plausible deniability.
Let me guess, you pay the use tax for everything you buy on Amazon, too.
by Greenewashed
Sun Mar 29, 2009 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Stats Anyone?
Replies: 21
Views: 3990

As a non-car-owner, the transportation figures are staggering to me. I knew having a car was expensive, but had no idea that it adds up to 75% of the average mortgage. My mortgage might be a little bit on the high side (big city), but my total cost for housing + transportation is well below average,...
by Greenewashed
Thu Mar 12, 2009 8:37 pm
Forum: Personal Consumer Issues
Topic: Jim Cramer gets bad press
Replies: 50
Views: 8775

I was shocked to find out that over half of CNBC viewers are millionaires. Median net worth is $1.2MM. There is no way this is an accurate statistic.... citation, please? Sounds like spin from CNBC itself.... Well, okay, you got me there. ;) Here's the link: http://www.cnbc.com/id/15907487/site/140...
by Greenewashed
Thu Mar 12, 2009 8:33 pm
Forum: Investing - Theory, News & General
Topic: Adrian and Tolerable Loss
Replies: 56
Views: 9377

Did anyone watch The Office tonight? Michael comes up with what seems to be a brilliant idea. When it backfires, he tells Dwight to take the fall for it. Then, in another twist, it actually turns out to be a brilliant idea, and Dwight gets the credit. Michael's punchline: "I want to be given all of ...
by Greenewashed
Thu Mar 12, 2009 5:53 pm
Forum: Personal Consumer Issues
Topic: Jim Cramer gets bad press
Replies: 50
Views: 8775

I was shocked to find out that over half of CNBC viewers are millionaires. Median net worth is $1.2MM.
by Greenewashed
Thu Mar 12, 2009 5:51 pm
Forum: Personal Consumer Issues
Topic: Kevin Kline, er, R. Allen Stanford to plead the 5th
Replies: 10
Views: 1875

Resemblance is even more uncanny in this photo: http://www.topnews.in/files/Allen-Stanford.jpg Now I wonder: Which one of them was really in A Fish Called Wanda ? What about Dave ? Maybe it wasn't Kevin Kline playing a guy who pretended to be the president... maybe it was Allen Stanford pretending ...