Search found 846 matches

by batpot
Wed Oct 02, 2019 10:23 am
Forum: Personal Finance (Not Investing)
Topic: After temporarily unfreezing your credit report, how fast did you apply for a card......
Replies: 14
Views: 1545

Re: After temporarily unfreezing your credit report, how fast did you apply for a card......

I don’t bother unfreezing before applying for a credit card. I make the application and wait for them to tell me which report needs to be thawed. I’ve even had the experience of the credit card rep getting the credit report agency on the phone to get the process going. Similar experience. Applied f...
by batpot
Tue Oct 01, 2019 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 140
Views: 9636

Re: Car price ratio to NW

probably about 1.3%.

Of course if you consider the fact that the value of the car drops 40% as soon as you drive it off the lot, you can buy that much more! :greedy
by batpot
Tue Oct 01, 2019 12:02 pm
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1680

Re: 1950's blonde mahogany furniture

found this when i searched "blonde mahogany" :shock: https://www.1stdibs.com/furniture/storage-case-pieces/commodes-chests-of-drawers/gorgeous-rway-six-drawer-chest-blonde-mahogany-birds-eye-maple/id-f_843725/ Take the 1stdib price and divide by 10 for a somewhat realistic sales price by average pe...
by batpot
Tue Oct 01, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 20
Views: 3170

Re: Chase Sapphire checking 1000$ offer

The much more attractive offer is the $600 on $15k. https://www.doctorofcredit.com/chase-600-checking-savings-bonus/ Treated like a 6 month CD, it earns 8%, but you have to apply in person. This is a good offer indeed but I don't like to mess with my direct deposit (paycheck/pension) frequently: > ...
by batpot
Tue Oct 01, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Architect vs General Contractor? Want to do an addition to house (maybe)
Replies: 21
Views: 1215

Re: Architect vs General Contractor? Want to do an addition to house (maybe)

The architect was a phenomenal asset for our remodel. They were an additional ~10% of the total contractor estimate, but by far worth the expense. I posted a similar question previously: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=242723 We moved into an apartment while the work was gettin...
by batpot
Tue Oct 01, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Non stick pan preference?
Replies: 46
Views: 3591

Re: Non stick pan preference?

mostly use cast iron.

we got some Calphalon ceramic coated aluminum that is pretty scratched up and stained after a little more than 5 years, but has worked well as non-stick. Mostly just use those for boiling water and eggs.
by batpot
Tue Oct 01, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 20
Views: 3170

Re: Chase Sapphire checking 1000$ offer

hardly worth the effort.
$1k on $75k is peanuts.

The much more attractive offer is the $600 on $15k.
https://www.doctorofcredit.com/chase-60 ... ngs-bonus/
Treated like a 6 month CD, it earns 8%, but you have to apply in person.
by batpot
Mon Sep 30, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1680

Re: 1950's blonde mahogany furniture

found this when i searched "blonde mahogany" :shock:
https://www.1stdibs.com/furniture/stora ... -f_843725/
by batpot
Mon Sep 30, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: 1950's blonde mahogany furniture
Replies: 16
Views: 1680

Re: 1950's blonde mahogany furniture

mid century modern furniture seems to be pretty hot these days.

You could call some consignment antique shops and see if they'd visit you for an estimate.
by batpot
Mon Sep 30, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to convert 0% CC purchase into cash
Replies: 8
Views: 997

Re: Best way to convert 0% CC purchase into cash

What is the best way to make a big purchase upfront that will code as a purchase but is easily convertible to cash? This is exactly what manufactured spending is all about. You can find quite a bit of information on flyertalk's dedicated subforum and on /r/churning. https://www.flyertalk.com/forum/...
by batpot
Mon Sep 30, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6640

Re: Do you know what your partner spends money on?

I see the boxes that come in, but that's about it. And there are lots of shoes. :?

We have a joint checking account and joint credit cards for all the shared spending (food, mortgage, utilities, etc), but discretionary spending is separate.
by batpot
Fri Sep 27, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3787

Re: How to find the best credit card promotion?

With Chase, Hyatt had a fantastic exchange rate, where $100 worth of points would convert to 100 Hyatt points . 100 Hyatt points would allow you to stay in, say, a $200/night Hyatt hotel - a 2:1 exchange. $100 worth of UR converts to 10,000 Hyatt points, not 100. If you used them for a $200 room th...
by batpot
Fri Sep 27, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3787

Re: How to find the best credit card promotion?

The right answer is: multiple. Gas card, grocery card, restaurant card, everything else card. DOC seems to have the most comprehensive list at any given time. Also see /r/churning for sign up bonuses. Be mindful of what constitutes certain categories. I've found Amex does not recognize Fred Meyer a...
by batpot
Tue Sep 24, 2019 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to find the best credit card promotion?
Replies: 47
Views: 3787

Re: How to find the best credit card promotion?

The right answer is: multiple. Gas card, grocery card, restaurant card, everything else card. DOC seems to have the most comprehensive list at any given time. Also see /r/churning for sign up bonuses. Be mindful of what constitutes certain categories. I've found Amex does not recognize Fred Meyer as...
by batpot
Tue Sep 24, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Time Saving Tactics: Kids Edition
Replies: 71
Views: 8561

Re: Time Saving Tactics: Kids Edition

Baby-led weening. It's definitely not for everyone, but we did this with both of our children (now 3 and 10 mos) and have been very happy. You'll find a ton of info via Google, but basically you give babies chunks of solid food and let them feed themselves, rather than feed them purees. It can some...
by batpot
Tue Sep 24, 2019 12:55 pm
Forum: Personal Consumer Issues
Topic: Inside dishwasher smells after cleaning dishes...
Replies: 24
Views: 1481

Re: Inside dishwasher smells after cleaning dishes...

Besides what's already been said, check the installation of the drain line.
See here:
https://structuretech1.com/dishwasher-drain/
The under sink high loop is really easy to add with a screw and a zip tie.
by batpot
Mon Sep 16, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Mortgage
Replies: 16
Views: 1118

Re: Advice on Mortgage

See what rates you can get. Don't have to give any personal information to get rates. Find your esccrow amount from a recent mortgage statement to use as a comparison. You'll have to do your own math to see if it makes sense. Also, there are lots of online calculators that will tell you how much it ...
by batpot
Mon Sep 16, 2019 3:08 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 10172

Re: Minivan Vs SUV Experience

jeffyscott wrote:
Mon Sep 16, 2019 2:23 pm
To me the Outback is not any different from the other SUV/CUVs. I know some feel it is still a sort of elevated wagon, but after test driving one, I have no idea why.
I've heard that even the Forester is classified as a car vs a truck/SUV for car insurance.
by batpot
Mon Sep 16, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4855
Views: 1260927

Re: What Movie Have You Recently Watched?

Love & Mercy - 8/10 Biopic about Brian Wilson during recording of Pet Sounds, Good Vibrations, and Smiley Smile, interlaced with him 20 years later as his current wife saves him from a nefarious doctor using him for his wealth. The scenes of him in the studio are fantastic; Paul Dano nails the perso...
by batpot
Mon Sep 16, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 128
Views: 10172

Re: Minivan Vs SUV Experience

This is the answer 8-)
https://www.journeysoffroad.com/siennaliftkits.html

Maybe put some TRUCK NUTZ on it, spikey black wheels, and fender flares.
by batpot
Thu Sep 12, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Mortgage Rates - Time to Refi?
Replies: 23
Views: 1499

Re: Mortgage Rates - Time to Refi?

In case you haven't looked in a while, check out current mortgage rates to see if you should refinance. These are the relationship rates I received from Bank of America last week for new purchase: 30-year at 3.125%, 10/1 ARM at 2.875%, 10/1 IO at 2.375%. Wells Fargo offered similar rates but would ...
by batpot
Thu Sep 12, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1772

Re: Bike head/rear lights

The "heart" light https://www.amazon.com/BAXIA-TECHNOLOGY-BikeTailLights-Waterproof-Taillights/dp/B07JQ76PYF But seriously, bought a different brand of these and they are plenty bright: https://www.amazon.com/Akale-Rechargeable-Headlight-Bicycle-Resistant/dp/B07GXXLGWX Like that they're USB recharge...
by batpot
Tue Sep 10, 2019 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Oy vey [Lessons learned - Market orders, freezing your credit report]
Replies: 14
Views: 2326

Re: Oy vey

I recently created three headaches for myself, so let these serve as a cautionary tales. Headache 1. I recently wanted to swap out a mutual fund held in my Vanguard Roth IRA to an ETF. I sold all of my shares in the mutual fund, then placed an order for the ETF. The ETF order was placed while the m...
by batpot
Tue Sep 10, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9410

Re: Electric Bicycles

However, mid drive are required for most applications, in order to get enough clearance for disc brake calipers. Also, belt drive eliminates most of the maintenance issues; even better with a Rohloff/Enviolo drive train. See: https://www.prioritybicycles.com/products/embark I think you must be refe...
by batpot
Tue Sep 10, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9410

Re: Electric Bicycles

I have an Xtracycle Edgerunner 10E kid-hauler with Bosch mid-drive E-assist. I'm a Boston "Streetcar" Suburb commuter to the downtown core. It's allowed me to skip taking public transit options for my commute and allow me to skip past lots of school traffic for dropping kids off at their respective...
by batpot
Tue Sep 10, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9410

Re: Electric Bicycles

I've been considering buying a bottom bracket mounted Bafang motor and modifying my baby hauler. Hauling ~80 pounds (trailer, plus 2 kids, plus kid stuff) up any kind of grade is brutal, but I've been doing it most weekends all summer. It definitely limits the places and distance I'm willing to go w...
by batpot
Mon Sep 09, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: My Homeowners Insurance Premium Went Down!
Replies: 16
Views: 1379

Re: My Homeowners Insurance Premium Went Down!

mine went up $51 a year and half ago, same coverage... from some investigating it was because of the payouts to hurricane damage, even though I live a few hours inland and didn't have damage :( Oh yeah...50 year flood zones are now 5-10 year flood zones. On the aggregate, rates can only go up from ...
by batpot
Mon Sep 09, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: My Homeowners Insurance Premium Went Down!
Replies: 16
Views: 1379

Re: My Homeowners Insurance Premium Went Down!

I ended up doubling our coverage amount after the astonishing cost of a remodel.

I think insurance companies are undervaluing rebuild costs, and I'd guess it's because the likelihood of a total rebuild is near zero.
by batpot
Mon Sep 09, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3217

Re: no idea - bourbon

If you are cooking with it I doubt it matters. But I have found Wild Turkey 101 to be the best low-cost bourbon. https://thewhiskeyjug.com/bourbon-whiskey/wild-turkey-101-review/ buh...like sucking on an old baseball mit. For budget bourbon, it doesn't get any better than Elijah Craig. But this thr...
by batpot
Fri Sep 06, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: eBay Seller Retaliatory Feedback
Replies: 28
Views: 2205

Re: eBay Seller Retaliatory Feedback

I've taken multiple chances on sellers with zero or near zero feedback. The risk as a buyer is near zero. On at least 2 separate occasions, I've placed orders for what I suspected to be fake sunglasses. The seller shipped the item, and not long after Ebay closed their account and gave me a full refu...
by batpot
Fri Sep 06, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need (term) life insurance?
Replies: 16
Views: 1189

Re: Do I need (term) life insurance?

Enough to cover half of the rent, adjusted for inflation?
by batpot
Fri Sep 06, 2019 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: 90/10 LTV HELOC?
Replies: 11
Views: 912

Re: 90/10 LTV HELOC?

Do any banks offer a HELOC as a secondary lien for the 80 to 90% portion of the value of your home? I originally wanted a 10% down mortgage, but my bank required 20% at the time and I couldn't find a good rate. Rates seem to be very low right now, are there any products out there with a good rate a...
by batpot
Fri Sep 06, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 111
Views: 8197

Re: BofA ShopSafe going away

meh...who cares?
your card gets stolen, you get a new card over-nighted, and just have to update any auto-payments that use that card.
by batpot
Wed Sep 04, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Excel - Arrival of XLOOKUP
Replies: 12
Views: 2422

Re: Excel - Arrival of XLOOKUP

Hi, Based on the podcast "Windows Weekly" Microsoft could consider to limit a number of features in a single purchase license office vs. a subscription Office 365. In the longterm, Office with a perpetual (single purchase) license will be discontinued. Yes, I understand this. My post got deleted, b...
by batpot
Tue Sep 03, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Opening New Savings Account - Citi (2.36%) vs CIT (2.30%)?
Replies: 25
Views: 3168

Re: Opening New Savings Account - Citi (2.36%) vs CIT (2.30%)?

I read somewhere that CIT changes product frequently so that the new (good) rate does not apply to existing customers. I suggest you doing more research on this to see whether this is true. https://www.depositaccounts.com/banks/cit-bank/offers/ +1 Been with Popular Direct for quite a while now. The...
by batpot
Tue Sep 03, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Room & Board question
Replies: 26
Views: 973

Re: 529 Room & Board question

RickBoglehead wrote:
Tue Sep 03, 2019 2:21 pm
psteinx wrote:
Tue Sep 03, 2019 1:59 pm
Getting a college kid to track/keep receipts for every single food purchase seems unlikely and unreasonable.
My son did it just fine.
A potentially very easy way to do this is to get a credit card solely for meal (and grocery) purchases.
by batpot
Tue Sep 03, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: "Home" Cell Phone
Replies: 40
Views: 3556

Re: "Home" Cell Phone

Free option No plan. Grab a cheap Android prepaid phone from Boost Mobile (or similar), throw Google Voice (they give free numbers) on there and connect it to your Wi-Fi. You won't have to pay anything and can text/call on the phone when connected to Wi-Fi. +1, we have done that exact same thing, w...
by batpot
Tue Sep 03, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6941

Re: Water alarm just saved me a lot of $$$. Do you have them?

A few have posted about devices that automatically shuts off the water when a leak is detected but I believe all of them requires splicing into the water line. We all know what plumbers charge. I hooked up a device that connects directly over the shut off valve and turns it off when a leak is detec...
by batpot
Mon Aug 26, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Recommendation for handheld, CORDED vacuum cleaner please.
Replies: 3
Views: 417

Re: Recommendation for handheld, CORDED vacuum cleaner please.

Something like this fits your criteria: https://slickdeals.net/f/13227808-shark-rocket-uv330-deluxe-pro-flex-ultra-light-stick-vacuum-cert-refurb-55-w-free-shipping-newegg?src=SiteSearchV2_SearchBarV2Algo1 I got this a while back, which is cordless, but comes with an extra battery, so there's always...
by batpot
Mon Aug 26, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1570
Views: 170192

Re: [What TV Show Have You Recently Watched?]

THE BOYS on Amazon Prime is the best show I’ve seen since the end of GOT. You mean like the 5th season of GOT? :P The Boys is fantastic, and a little surprising from Amazon. The subject matter is great, but it's way more "gory" than I expected, and a little cartoonish in a lot of it, which maybe ma...
by batpot
Mon Aug 05, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2616

Re: Looking for new laptop

Assuming no gaming, have your friend pick a screen size. I found 13" to be too small, but nice and light and portable. Go to Best Buy/Costco, and play with some. Slimmer/lighter for same size is going to add to the cost. Watch some youtube review videos. Do you really need a touch screen? I found th...
by batpot
Mon Aug 05, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Daycare does not allow staff to babysit
Replies: 21
Views: 1836

Re: Daycare does not allow staff to babysit

Is it worth potentially getting booted over it? How hard is it to find a daycare where you are?

I've never heard of this policy, but it doesn't surprise me.
by batpot
Mon Aug 05, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: "Duty Free" shops at Airports
Replies: 44
Views: 4253

Re: "Duty Free" shops at Airports

water and coffee.
occasionally food, if we didn't have a chance to eat before.
that's it for airport purchases.
by batpot
Fri Aug 02, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing Dilemma
Replies: 15
Views: 1754

Re: Refinancing Dilemma

First Republic Bank is saying they want my closing costs in escrow, which I found weird. Especially given my accounts are with them and the mortgage is for 200x the value of the escrow... They probably mean you will write one check at closing for all the payments to close out the loan application, ...
by batpot
Fri Aug 02, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Pluto tv - free internet tv
Replies: 11
Views: 1419

Re: Pluto tv - free internet tv

bloom2708 wrote:
Fri Aug 02, 2019 3:33 pm
If you are into specific shows or movies, it isn't going to work, but it is interesting.
That's what Hulu is for...at least for now. Every network coming out with their own streaming service, might make cable packages viable again in the future.
by batpot
Fri Aug 02, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Pluto tv - free internet tv
Replies: 11
Views: 1419

Re: Pluto tv - free internet tv

downloadable on Roku?

I have been pleasantly surprised by the number of free movies with limited commercial on Roku and Vudu.
by batpot
Fri Aug 02, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 14
Views: 756

Re: Should I refinance?

What rate can you get for a 30 years? And 3.625% seems quite high for a 15 year. Why would the OP, with 17 years remaining, go to a 30 year loan UNLESS the current payment is unaffordable. That makes no sense... because every loan allows you to make additional principal payments. one recent compari...
by batpot
Fri Aug 02, 2019 11:36 am
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 11762

Re: A note on spending for kids

For these parents, it isn’t about getting a likely return on their investment, but avoiding the feeling that they kept their child from chasing a dream to its end. I don't think it's nearly as noble as that for most of them. Instead, they're living vicariously. Please remind me what the vicarious l...
by batpot
Fri Aug 02, 2019 11:29 am
Forum: Personal Finance (Not Investing)
Topic: A note on spending for kids
Replies: 148
Views: 11762

Re: A note on spending for kids

Seems like the OP is more of a rant than anything truly actionable. I have kids in club basketball, club/travel soccer, tennis, football, and golf. So I interact with a lot of other parents who are doing the same thing. I would say the vast majority have no delusion that their kids are going pro or...
by batpot
Fri Aug 02, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance?
Replies: 14
Views: 756

Re: Should I refinance?

What rate can you get for a 30 years? And 3.625% seems quite high for a 15 year. Why would the OP, with 17 years remaining, go to a 30 year loan UNLESS the current payment is unaffordable. That makes no sense... because every loan allows you to make additional principal payments. one recent compari...