Search found 298 matches

Return to advanced search

Re: Buy a used car or pay $5,000 more to get a new one?

As a mostly used car buyer for a couple of decades (one exception for my wife who got a new one a couple of years ago) it has been my observation that used few year old (say less than five years) Japanese cars at least from the big names frequently don't make any sense to buy used because they hold...
by THY4373
Thu Mar 20, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4237

Re: Buy a used car or pay $5,000 more to get a new one?

As a mostly used car buyer for a couple of decades (one exception for my wife who got a new one a couple of years ago) it has been my observation that used few year old (say less than five years) Japanese cars at least from the big names frequently don't make any sense to buy used because they hold ...
by THY4373
Wed Mar 19, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Buy a used car or pay $5,000 more to get a new one?
Replies: 62
Views: 4237

Re: Can Employer Limit 401K Contribution?

Yep welcome to the world of being a "HCE". Wife got hit this year and is limited to 10% of salary (had been doing the max for years before that). The irony is the folks who actually run the company and make the decisions about the 401k all make well north of 175k so the 10% limit has absol...
by THY4373
Fri Mar 14, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can Employer Limit 401K Contribution?
Replies: 17
Views: 1575

Re: USAA insurance vs Geico

Totally anecdotal so take with grain of salt but I have two friends insured by Geico over the years and they were certainly treated less well than I was with USAA. Nickel and dimeing on repairs and one of them was dropped to the high risk pool after a couple of 15 MPH over the list tickets (on the I...
by THY4373
Wed Mar 05, 2014 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA insurance vs Geico
Replies: 9
Views: 903

Re: Water heater - gas or electric?

My hot water heater is next to my furnace. I have no fireplace so no chimney. Why is that relevant? My furnace exhausts to the outside of my house. In my house it is relevant because the hot water heater is in the *middle* of the house on the first floor (of a two + story house). So it gets very co...
by THY4373
Sun Mar 02, 2014 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2771

Re: AMEX rewards on Kroger error

There seems an ongoing issue with Amex and grocery stores. I have seen discussions on other forums where folks have had issues with purchases at grocery stores not getting the bonus cash back/rewareds. Safeway appears to have been a particular problem.
by THY4373
Sat Mar 01, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: AMEX rewards on Kroger error
Replies: 15
Views: 1282

Re: Water heater - gas or electric?

I faced the same decision point as you. My house has gas furnace but everything else was electric including hot water. I looked at gas tankless and eliminated it because of cost (payback was north of 15 years) and there were reliability issues. I never considered electric tankless because they don't...
by THY4373
Thu Feb 27, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 2771

Re: How to backup TrueCrypt

Assuming you have a file encrypted as a TrueCrypt container vs. a partition. You should be able to just copy the entire file over to do a backup. The problem with automated backups (at least rsync on Linux which is what I use) is that Truecrypt does not appear to do anything to the external file whe...
by THY4373
Wed Feb 26, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: How to backup TrueCrypt
Replies: 11
Views: 1039

Re: Cloud security

stratton wrote:
Whomever has the keys controls access.



Or has had a hand in weakening the algorithm and knows how to exploit it ;-)
by THY4373
Thu Feb 20, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Cloud security
Replies: 5
Views: 301

Re: Cloud security

I won't store anything sensitive in the cloud (unless as others mentioned I encrypted it myself first). In addition to, or perhaps an extension of security, it is clear from several lawyers I have spoken to in my day job (IT security) that there are less legal protections for your data in the cloud ...
by THY4373
Thu Feb 20, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Cloud security
Replies: 5
Views: 301

Re: Living with Windows 8

I'm confused. What effort does it take to avoid the metro interface? Boot to desktop... use Classic Shell... why would you ever need to see the metro interface if you don't choose to? I agree with you to a point but the problem is some features and applications in Windows take you back to Metro. I ...
by THY4373
Thu Feb 20, 2014 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Living with Windows 8
Replies: 43
Views: 2834

Re: USAA Auto Insurance?

I didn't realize there was a distinction between types of membership at USAA. If that's true, then one could very likely obtain lower cost auto and home insurance via GEICO or others; as my own example showed. Another poster suggested he was not being treated any differently than "full members...
by THY4373
Wed Feb 19, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re: HTTPS port 443 is Open

Edit: autonomy beat me to it. From your home PC go to http://www.whatismyip.com/ . This will give you, your external IP assigned by your ISP. Then type https://x.x.x.x into your web browser where the x's are replaced by your external IP as shown by the previous website. This should show you what is ...
by THY4373
Tue Feb 18, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: HTTPS port 443 is Open
Replies: 18
Views: 1388

Re: Should I become sole provider for fiance?

I lived in a similar situation with my future spouse. What does your fiance expect and want to do? +1 Also I intend to pay for my child's undergrad and graduate tuition like my parents did for me (with the expectation I'd pay it forward). So I wouldn't want or expect assistance from either my son o...
by THY4373
Sat Feb 15, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I become sole provider for fiance?
Replies: 97
Views: 6021

Re: People Search - paying for data?

KyleAAA wrote:Usually just typing names into Google will lead to a way to contact somebody (either via Facebook, Linkedin, etc).


I'd guess this is a generational thing. Probably works great for say the 40 or so and under crowd and less so as you advance beyond that.
by THY4373
Sat Feb 15, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: People Search - paying for data?
Replies: 21
Views: 1630

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

But if you were to make a move, I would search for a house that will suit you well through the kids. Good schools. Kid friendly neighborhood. Room for a couple kids. You may need to move again someday, but go into it thinking you will be in the next house 10+ years. I agree this would have been a g...
by THY4373
Fri Feb 14, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2274

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

It seems to me it makes no sense to downsize your house until you have sorted out whether you are having kids or not. So you sell this house, buy a smaller one, and then have to buy a new bigger one again in a few years if you have kids or move for a better job, etc. If it were me I'd stay in this h...
by THY4373
Fri Feb 14, 2014 8:58 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2274

Re: Reasons why you're choosing your tax software this year

H&R Block Tax Cut because I got it real cheap. I don't find any difference between it and TurboTax and as the latter got less price competitive I moved to the former.
by THY4373
Fri Feb 14, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Reasons why you're choosing your tax software this year
Replies: 39
Views: 1841

Re: USAA Auto Insurance?

I'm enlisted (reserve) and get full membership benefits including SA distributions, etc. No restrictions. I've heard, however, that family members who qualify must keep their insurance portion active in order to access other services. Is this true? Good question on family members with insurance I h...
by THY4373
Fri Feb 14, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re: USAA Auto Insurance?

It is United Services Automobile Association after all; and we are members , not customers. That is true for the "full-members" (officers), it arguably doesn't apply to legacy members like me who qualify via family connection (we are arguably customers not members) and I am not sure how e...
by THY4373
Thu Feb 13, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re:

Where I work we have a large fleet of ambulances that run anywhere from 12-18 hours non stop, are driven in the most abusive way possible -- stop and go, stomp and go, hard brakes to the point of boiling the fluid and warping the rotors, hard turns, high speeds, long idling, heavy engine loads, hea...
by THY4373
Wed Feb 12, 2014 10:45 am
 
Forum: Personal Consumer Issues
Topic: Synthetic engine oil worth better/cheaper in the long run?
Replies: 89
Views: 9004

Re: TurboTax 10% Amazon Credit on refund

I wonder if it'd be worth it (for large refunds) to simply sell the Amazon gift cards on eBay/craigslist, etc? For some strange reason Amazon gift cards appear to be selling at face value on eBay. You'd have to recover the eBay fees, of course, which probably are more than the 10% bonus (I haven't ...
by THY4373
Wed Feb 12, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax 10% Amazon Credit on refund
Replies: 19
Views: 2167

Re: USAA Auto Insurance?

I have had USAA for home and auto for years and have been very happy with them (claims on auto, never on house). Also been happy with their life insurance (I qualified for best rate) and basic bank products. I have been less happy with their umbrella insurance (costly and later dropped by them and e...
by THY4373
Wed Feb 12, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re: USAA Auto Insurance?

tj wrote:
jvclark02 wrote:When comparing rates be sure to include the 'subscribers savings' advantage. Over the past 40 plus years with USAA, the savings have been very significant.



family members don't get this.


Correct and I don't know that enlisted folks do either.
by THY4373
Wed Feb 12, 2014 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re: USAA Auto Insurance?

When comparing rates be sure to include the 'subscribers savings' advantage. Over the past 40 plus years with USAA, the savings have been very significant. That assumes that OP qualifies as a full member of USAA (military officer, FSO or similar). "Lesser" members get less/no rebate. I am...
by THY4373
Wed Feb 12, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 53
Views: 3011

Re: TurboTax 10% Amazon Credit on refund

It is really only 5% - let me explain. Amazon offers its own credit card, and provides for a return of 5% on purchases. The card comes from Chase. If you use that card to make purchases through its buying service, you can obtain another 15% off, if you purchase five items in the same time period. I...
by THY4373
Wed Feb 12, 2014 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax 10% Amazon Credit on refund
Replies: 19
Views: 2167

Re: HVAC units - hard to comparison shop

Fan motors do not cost $900. I think more like $500 for a replacement motor and labor seems more like a good price. Get a quote for the repair from another company or two. Tell them the problems over the phone and ask for a quote to come out and repair. +1. I actually did replace the fan motor and ...
by THY4373
Sun Feb 09, 2014 9:43 pm
 
Forum: Personal Consumer Issues
Topic: HVAC units - hard to comparison shop
Replies: 14
Views: 981

Re: AmEx Platinum Vs. Citi Prestige

No experience with either card (I get "free" (really heavily discounted) tickets playing the credit card bonus signup game along with my wife). But I'd follow Buysider's advice and do you research on both on Flyertalk a really great resource for such things.
by THY4373
Fri Feb 07, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: AmEx Platinum Vs. Citi Prestige
Replies: 2
Views: 382

Re: Buying Tires at Costco

I have been buying tires from Costco for years, but the last time they striped the stud bolts on one wheel. This is a dangerous nuisance, and I may just start buying my tires from my local repair shop. They don't strip stud bolts. If you ever watch the tire guy mount a wheel he always uses the torq...
by THY4373
Sun Feb 02, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 6592

Re: LIFE WITHOUT XP (Part 2): Replacing Outlook Express

You might want to check with your employer to see if they offer MS Office for Home Use. Many large employers do and you can get Office 2013 for $10-30 including Outlook.
by THY4373
Sun Jan 26, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: LIFE WITHOUT XP (Part 2): Replacing Outlook Express
Replies: 34
Views: 1771

Re: Car Decision - Switching Worth it?

If you want a prius....NO BRAINER. $2,000 isn't the end of the day. Do yourself a favor and look into a volt. By all means look at Volt but it looks like OPs wife might be averaging close to 20k miles/year. Depending on how those miles are accumulated the Volt might not make sense, as the Volt from...
by THY4373
Tue Jan 21, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Decision - Switching Worth it?
Replies: 8
Views: 880

Re: Car Decision - Switching Worth it?

Assuming you mean financially worth it then crunch the numbers and see if it is worth it. Cost of gas/maintenance/insurance/forward depreciation of Sorrento compared to additional cost/gas/maintenance/insurance/forward depreciation of Prius. Should be a fairly simple calculation. Personally I have a...
by THY4373
Tue Jan 21, 2014 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Decision - Switching Worth it?
Replies: 8
Views: 880

Re: Penfed 5% gas cash back card - ending?

Is it? I suspect PenFed just hasn't fully pulled the trigger on slashing the rewards for those that don't have qualifying products yet... You are right this did start about the Cash Rewards card (aka the second one I mentioned--one of the links went to the points reward card discussion which confus...
by THY4373
Wed Jan 15, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card - ending?
Replies: 20
Views: 1599

Re: Penfed 5% gas cash back card - ending?

Right now on my Penfed card I'm earning 5% cash back on gas, 0% cash back on everything else. I do *not* have a "qualifying product" unless the ~ $5 in my regular account counts. Not sure what the deal is. PenFed has two similar but different products which causes no end of confusion in t...
by THY4373
Wed Jan 15, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card - ending?
Replies: 20
Views: 1599

Re: best way to hide your personal information on work lapto

Read your employment handbook. I always had my employers allow "incidental" personal use, with the rationale that if they save me the hassle of procuring my own printouts and faxes, I'll have more brain capacity for work. If your employer does allow that, and your concern boils down to co...
by THY4373
Fri Jan 10, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 3615

Re: best way to hide your personal information on work lapto

Put Ubuntu on a flash drive and boot it whenever you need the data. No record will be obtained in your (I assume) Windows system because you're not running Windows when you are accessing your data. I had a similar problem - very heavy 17" work computer, long business trips. I wanted to use the...
by THY4373
Fri Jan 10, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 3615

Warning Understand Your Corporate Security Poilcy

OP there is a lot of well meaning guidance in this thread but I urge you to understand your corporate security policy before acting on any of this guidance. I do security work for an organization that has a fairly tight (but not insanely so compared to some organizations I have seen). We do not allo...
by THY4373
Fri Jan 10, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: best way to hide your personal information on work laptop
Replies: 44
Views: 3615

Re: when you reach"your number"

I voted "other." If I hit my number prior to 55 I am going to keep working because I need to get to 55 to get retiree health coverage from my employer. At this time I will hang around for that unless I have some major positive black swan event that causes me to exceed my number by such a m...
by THY4373
Thu Jan 09, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 8906

Re: Used Laptop

Personally I take option C and buy a new laptop. I am all for buying used but I like to pay pennies on the dollar when doing so. I don't think you are getting this laptop at enough of a discount honestly. The processor is I think 4 generations old at this point. I would look for a good decent $400-5...
by THY4373
Wed Jan 08, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Used Laptop
Replies: 13
Views: 597

Re: King sized mattress recommendation?

Doesn't really help you but I found a local company that made mattresses the old school way (no pillow top, natural materials, etc). It was not the Original Mattress factory (we have those too) but a real local shop. It cost a bit more than the big name brands but worth every penny. It is about 10 y...
by THY4373
Mon Jan 06, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: King sized mattress recommendation?
Replies: 49
Views: 4421

Re: VA529 - VEST [Virginia 529 - inVEST]

I called VEST and here is what I found out. 2. A same beneficiary can not have multiple accounts for same portfolio even if accounts are opened by separate individuals. I believe this is incorrect. Wife and i both have account in the exact same portfolios for our son and have for years (to maximize...
by THY4373
Sun Jan 05, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: VA529 - VEST [Virginia 529 - inVEST]
Replies: 23
Views: 1351

Re: Home maintenance costs: Does 1% hold true?

As others have said the rule of thumb even if it is accurate probably doesn't tell you a lot about your specific instance. Things like house age, house size, yard size, personal requirements (some folks are more maintenance/upgrade freaks than others), climate (harsher climates are going to require ...
by THY4373
Thu Jan 02, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Home maintenance costs: Does 1% hold true?
Replies: 32
Views: 2609

Re: Is it time for me to find a new job?

* Whenever you ask is it time - it almost always is. * Don't underestimate the politics, laziness and incompetence in non government organisations. * Sometimes a change of [(scenery) --admin LadyGeek] is still a change for the good - different [(scenery) --admin LadyGeek] is less annoying for a whi...
by THY4373
Wed Jan 01, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to find a new job?
Replies: 33
Views: 3860

Re: Investing in Physical as well as Financial Health

This has been part of my overall plan since I was 40. I am an avid biker which I chose in part because I felt it would amount to less wear and tear on my body. I have also vastly improved what I eat. Both my wife and I have turned down jobs that would have required travel due to the fact they would ...
by THY4373
Wed Jan 01, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 2581

Re: Credit Card Bonuses

Interesting. It was the 4th Chase card we were rejected for. I did not call for reconsideration or moving credit lines around because we had met our goal for the year and I wanted to try this year - we will only be applying for two Chase cards in 2014. Then we'll switch to a different bank-airline ...
by THY4373
Wed Jan 01, 2014 4:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4063

Re: Credit Card Bonuses

No, you couldn't resist the opportunity to brag, but yet was afraid that the goose-that-lay-the-golden-egg would be no more. If you really cared about the demise, you'd kept quiet. Google "churn rewards credit card". Tons of blogs on "gaming the system". See you are doing what I...
by THY4373
Tue Dec 31, 2013 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4063

Re: How much was your total 2013 credit card rewards

About $3500. Hope to hit twice or more this coming year (didn't get serious on rewards until about May). About 2/3 cash and 1/3 travel rewards. Note for travel rewards I am only counting those I have taken and compared them to what the tickets would have cost otherwise (no first or business class ei...
by THY4373
Tue Dec 31, 2013 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4019

Re: Credit Card Bonuses

In general your cashback is based on how the registers you make a purchase at, are coded for a particular business. Amex, Visa, etc., don't get more than that (e.g, they don't know what you are buying only where you are buying and what sort of business it is). Grocery store registers should be coded...
by THY4373
Tue Dec 31, 2013 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4063

Re: Credit Card Bonuses

Can't you just give us the Reader's Digest version? I am lazy as you can see. Sorry no, either you care enough to read or you don't. It sounds like this activity is not for you which is fine. Since I don't know what it is, how is one to know whether it is for me or not? Okay, you don't want to help...
by THY4373
Tue Dec 31, 2013 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4063

Re: Credit Card Bonuses

One thing I know you can do (if you go to the right stores), is buy them on one CC and return them on another CC. I've done this at a few stores, but mostly because my wife buys it on her Amex and I return it on my Amex. You could churn through $11k pretty quickly that way, but some stores will pro...
by THY4373
Tue Dec 31, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4063
Next

Return to advanced search