Search found 670 matches

by N1CKV
Fri Dec 15, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 20
Views: 1420

Re: Progressive Insurance

I had Progressive for quite a while. I had several instances over the years where I had to deal with them and it was borderline pleasant to deal with them. They treated me and my problem like it was the most important thing they had to do. They were on friendly terms with the local car rental office...
by N1CKV
Thu Dec 14, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 56
Views: 4886

Re: State Farm Insurance, Time to Leave

For the original question: Check them all directly and check with an independent agent. My independent agent was able to get me a better rate through Progressive than I could get directly. They also know who is giving the best rates to a person in your particular position (lately...). They have acce...
by N1CKV
Mon Dec 11, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: CPA: The best profession if you want to make the most money + keep the most money?
Replies: 62
Views: 6612

Re: CPA: The best profession if you want to make the most money + keep the most money?

Do something that you are passionate about and that interests you. I have a degree in Accounting. They changed the requisites to sit for the CPA right before I was eligible. Moving the finish line on me like that aggravated me to the point that I didn't even bother (I need another 15 hrs., of which ...
by N1CKV
Wed Dec 06, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to ship heavy item...
Replies: 23
Views: 1834

Re: Inexpensive way to ship heavy item...

One option is, if the seller is willing to pick the item up locally instead of doorstep delivery, you can ship by Greyhound bus. Greyhound busses accept packages/ small freight and can ship from any terminal to another. It is not a fast process and the recipient will have to go to their local termin...
by N1CKV
Thu Nov 30, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Negotiating used car - Toyota Highlander
Replies: 32
Views: 1917

Re: Negotiating used car - Toyota Highlander

I have been getting that same result from multiple dealers. I have followed up with a phone call and visited the dealer. They didn't offer quite enough for my trade and refused to budge on the price from what was listed online. The price "on the lot" window sticker was about $2,000 more. This is loo...
by N1CKV
Wed Nov 22, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card Change in Terms
Replies: 28
Views: 2960

Re: Discover Card Change in Terms

I closed my Discover card earlier this year because of a dispute with an Amazon 3rd part seller that Discover just did not seem to get a grip on what happened. Their "fraud protection" protected and perpetuated the fraudster. I want nothing to do with a company that brags on their fraud protection a...
by N1CKV
Mon Oct 30, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Buying a Home in a 500 year Flood Plain
Replies: 32
Views: 1679

Re: Buying a Home in a 500 year Flood Plain

I would buy the house, purchasing flood insurance would be a toss up. The best rating you can have is a "500 yr floodplain". Most that would fit in that category have either not had a flood determination or not paid attention to it because they were just told "flood insurance is not required". https...
by N1CKV
Mon Oct 30, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Pay off the car or not?
Replies: 25
Views: 2042

Re: Pay off the car or not?

It's just so hard to let go of so much money at once cuz it takes a while to accumulate that much, that is why I asked what you all would do. This statement tells me you need to take a step back and re-think how you spend money. YOU ALREADY SPENT THIS MONEY. Any time you finance something you are s...
by N1CKV
Fri Oct 27, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1747

Re: Any FL residents with a dash-cam?

What is the use for a dash cam? I had an instance where another driver thought that the rules of physics didn't apply to her and that her vehicle and my vehicle could be in the same place at the same time. She merged into my front end with her rear quarter panel. I had video for my defense when she...
by N1CKV
Fri Oct 27, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 13
Views: 1747

Re: Any FL residents with a dash-cam?

I have a A119 Capacitor type model and also recommend it. The A119 has been copied by many Chinese companies. Some are better than others, so make sure to read reviews on the particular brand. Make sure you are looking at Capacitor models and not the battery versions. They look the same and are easi...
by N1CKV
Thu Oct 26, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 3064

Re: New TV, what's important?

Is OLED far superior to LED LCD technology? How much more is it worth, if anything? LCD is almost non-existent, everything is some form of LED these days. OLED is nice, but only appreciable to those that actually care. If I get a smart TV (a given), do I need to have an ethernet port for the TV? I ...
by N1CKV
Wed Oct 25, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Anyone planning on getting the new Pixel phone?
Replies: 141
Views: 10113

Re: Anyone planning on getting the new Pixel phone?

Until that 5X locks up, you mean. That's a valid concern. From what I've gathered the defect tends to appear early in the handset's life. My 5X is now 8 months old and going strong. Keeping my fingers crossed. Also, I've heard that they have replaced some defective ones even if out of warranty. Min...
by N1CKV
Wed Oct 25, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Lastpass on iPhone easy to use?
Replies: 16
Views: 1246

Re: Lastpass on iPhone easy to use?

I have used LastPass on both iPhone and Android - it is integrated system wide in Android beautifully, on iPhone it is a royal pain to use. This is just one of the reasons why I gave up on iPhone. I had a Nexus 5X, it died so I tried iPhone 7, I just couldn't adjust so I sold it and bought a Samsun...
by N1CKV
Wed Oct 25, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Lastpass on iPhone easy to use?
Replies: 16
Views: 1246

Re: Lastpass on iPhone easy to use?

I have used LastPass on both iPhone and Android - it is integrated system wide in Android beautifully, on iPhone it is a royal pain to use. This is just one of the reasons why I gave up on iPhone. I had a Nexus 5X, it died so I tried iPhone 7, I just couldn't adjust so I sold it and bought a Samsung...
by N1CKV
Tue Oct 24, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 53
Views: 4364

Re: idiot proof router?

Cox just installed a Motorola MG7540 at my house yesterday (combo modem and router). I bought it from Amazon. It took a minute to connect. The tech was confused because all of the indicator lights said it was up and running yet I had no internet. I reset the power and boom... super fast interwebs we...
by N1CKV
Mon Oct 23, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Promissory note not signed
Replies: 12
Views: 1460

Re: Promissory note not signed

On the technical question:
It probably is location specific. In my state, for example, any verbal contract is enforceable. You just need a credible witness (or the most credible witness) with the exception of land (real estate) transactions which must explicitly be in writing.
by N1CKV
Thu Oct 19, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?
Replies: 14
Views: 1513

Re: How secure is fingerprint ID on the Iphone and also for App ID access such as Vanguard?

How secure is secure enough?
I mean.... they could chop your finger off and gain access without your cooperation. If it was password only they would have to crack the password or torture you until you gave up the password, so if you are really that worried: How much torture can you withstand?
by N1CKV
Thu Oct 19, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: receiving 'used' items from Ebay purchase....frustrating
Replies: 22
Views: 2320

Re: receiving 'used' items from Ebay purchase....frustrating

I've had other similar experiences, not just with Ebay. Getting new items that appear to be 'open box'. For small items the hassle has not been worth shipping back and I have just made due with product. Moving forward Ive decided to try and do almost all my business with Amazon (not fulfilled by am...
by N1CKV
Tue Oct 10, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2500

Re: cash and landlines in disasters

I live in a hurricane prone area. Communication: Telephone lines are just as reliable as power, a tree can easily take both out at the same time. Mobile phones have limited reliability and are routinely overwhelmed during large events, however in recent years those systems have been fortified to bet...
by N1CKV
Tue Sep 19, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4787

Re: Grass trimmer

Brand name is not everything. Most of the big brands have "Consumer Line" products sold at the big box stores and "Pro Line" products only available from authorized dealers. Sometimes it matters, sometimes it doesn't. For FWIW, I currently have a Kobalt 80V cordless string trimmer from Lowes. I find...
by N1CKV
Tue Sep 19, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4932

Re: Costco vs sams club vs neither.

It sounds like a lot may have changed since your previous experience with wholesale clubs. Rupert has good advice. Both now generally accept major credit cards. Both specialize in "bulk" sale (it is a wholesale club). Costco typically has items a notch higher in quality for generic brands. They both...
by N1CKV
Fri Sep 15, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11218

Re: The 10 year car ownership "rule"

If there is *another* BH in this forum who can replace (and have replaced) his own engine on his car, please stand up! I have a feeling that you are THE ONLY ONE here!! Average BH can NOT change his own brake pads if his life depended on it. I haven't had to change my own, but I have changed the en...
by N1CKV
Wed Sep 13, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for smartphones.
Replies: 31
Views: 2985

Re: Strategy for smartphones.

My wife recently went through this. After evaluating she realized she did not need the newly released Samsung S8, the Asus that cost a couple hundred new did everything she needed/ wanted. OTOH, I use my phone's NFC capabilities pretty extensively, the phone she chose would not be satisfactory to me...
by N1CKV
Tue Sep 12, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Assets tangled with in laws, how to minimize future liabilities
Replies: 26
Views: 1621

Re: Assets tangled with in laws, how to minimize future liabilities

Start the conversation with your husband.
It goes something like this:
I am concerned about.....
Here is the potential impact I perceive......
Here is what I think we should do about it.....
by N1CKV
Mon Sep 11, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Replacing Old Shower handles
Replies: 21
Views: 2243

Re: Replacing Old Shower handles

I can not see the picture, photobucket reports an issue. If I could see it I could probably identify it from the look alone, I spent several years in the wholesale plumbing industry. Getting replacement handles is always an option. There are few that manufacturers don't have options for and even the...
by N1CKV
Mon Sep 11, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3454

Re: Hurricane Harvey relief?

By now I think (or at least hope) everyone has heard of the Cajun Navy, a loose affiliation of south Louisiana shallow drive boat operators that carried out search and rescue missions on behalf of local authorities. They have a counterpart for recovery, the Cajun Army. The mission of the Cajun Army ...
by N1CKV
Thu Sep 07, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3976

Re: Wanting a Portable Auto GPS

but does that place still exist? how's the traffic getting there? is there a newer route? I use my Android smartphone. I get live traffic and re-routing if there is a problem ahead. If you do not want a data plan or may need to use it in an area with sparse connectivity you can download maps ahead o...
by N1CKV
Wed Sep 06, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2574

Re: Waterproof container for documents-pending Florida hurricane

Ziploc bags work just fine. Keep in mind that excess air will cause problems with the container wanting to float or burst. On a surprising note: When my house flooded I had my documents in a small Sentry file safe on the floor of a small closet. The safe floated and landed upright. The documents ins...
by N1CKV
Thu Aug 31, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2633

Re: Evaluating risk of flooding in the "new normal"

My house is built two feet above the previous flood of record. FEMA Flood Zone X only requires one foot. I took on 31" of water last year (considered a 500 year or 1,000 year flood depending on who you talk to). I am quite a bit higher than what surrounds me and not in danger of a dam burst. The wat...
by N1CKV
Wed Aug 30, 2017 7:40 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7874

Re: How much sooner could you retire with NO property taxes?

My state income taxes are under $1,500.00 this year, property taxes were $32.00 last year (not a typo).

This year my property taxes will be under $400. In retirement my pension will be exempt from state income tax.

So to answer the question: It's not a factor.
by N1CKV
Tue Aug 29, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico a bait and switcher?
Replies: 32
Views: 4695

Re: Is Geico a bait and switcher?

Geico beat everyone else by a substantial amount when I switched to them a few years back. Only claim I had was when we lost my wife's car to a flood (parked in the garage, not being operated at the time). The claim was handled fairly. The replacement vehicle was worth twice as much but even cheaper...
by N1CKV
Tue Aug 29, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Harvey flood damage [tenant's property has flooded - actions?]
Replies: 28
Views: 4879

Re: Harvey flood damage [tenant's property has flooded - actions?]

I have recent flood experience. I flooded last year in S. Louisiana with almost 3 feet. As a landlord your flood insurance policy is (or should have been) structural only. Your tenant would have to have had their own FLOOD policy to cover contents/ personal property, the policies exist but are extr...
by N1CKV
Mon Aug 28, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 4413

Re: Desperate to get rid of mosquitoes, what else could we try?

Thermacell .........excellent product. Been using them for 5-6 years with great results. Couple of noteworthy points: 1). They only work well in a stationary setting...i.e., sitting on the deck or porch. Not at all effective if moving around in garden, lawn etc. 2). For maximum results, you might n...
by N1CKV
Wed Aug 23, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7645

Re: Lowes vs Home Depot

I prefer Lowe's, it is closer to me by a little bit and within the same taxing jurisdiction that I live, Home Depot is not significantly further, but is not in my taxing district. There is a Home Depot across town that seems better than the one closer to me. Lowe's has better lumber. Home Depot beat...
by N1CKV
Tue Aug 22, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 6061

Re: I did it and feel great about it (paid off mortgage)

Congratulations. I did the same a couple months back. It still hasn't sunk in, I seem to find something to spend the money on every month. Eventually I will sell the current house and almost certainly have a (small) mortgage on the next, in the mean time I will enjoy seeing the "payments to savings"...
by N1CKV
Tue Aug 22, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: 457 vs. HSA vs. Backdoor Roth
Replies: 6
Views: 841

Re: 457 vs. HSA vs. Backdoor Roth

Thanks. That's kind of what I was leaning towards, but I didn't know if the tax diversification of the Roth would be more beneficial, or if the HSA would be a pain, or if the 457 should've considered unreliable because of its inherent nature. I will probably then contribute to the pension, max the ...
by N1CKV
Wed Aug 16, 2017 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Help with mortgage rates-closing soon!
Replies: 11
Views: 1083

Re: Help with mortgage rates-closing soon!

A few years ago like you are seeing, I received a much lower rate than I could find "online". The only way to get a firm rate quote is to actually apply. If you are already working with a lender and their rates have dropped you can request to "re-lock" your rate. This is what it sounds like you nego...
by N1CKV
Fri Aug 04, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else have trouble spending?
Replies: 91
Views: 6505

Re: Anyone else have trouble spending?

You will find a lot of people on Bogleheads that insist that a "Japanese" brand vehcile is more reliable. Ignore that. It is ignorant. My "American" truck just rolled 103k miles and has never left me stranded. It had dual zone a/c issues (stripped actuator motor) early on, but never a mechanical iss...
by N1CKV
Tue Aug 01, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Finance as a college major?
Replies: 50
Views: 4737

Re: Finance as a college major?

In general, folks like Business Admin because it's relatively easy. 2. The payscale data I linked is ENTIRELY comparing apples to apples, in that it only compares people with Bachelors degrees who never got any other further degree. If it compares all Philo BAs to Business BAs, it would make Busine...
by N1CKV
Tue Aug 01, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Sell inherited investments to pay off mortgage?
Replies: 23
Views: 2287

Re: Sell inherited investments to pay off mortgage?

I'm always curious, though, why being in the property long-term would make a mortgage more or less advantageous. First, plans and circumstances change. Also, a fixed mortgage is basically a negative bond with both an implied put (early payoff) and call (sale). Neither of those factors appear terrib...
by N1CKV
Tue Aug 01, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: what should my parents do with $100k they just received.
Replies: 12
Views: 1900

Re: what should my parents do with $100k they just received.

there is a wiki for that: https://www.bogleheads.org/wiki/Managing_a_windfall On edit: I am not trying to be rude. After re-reading what I typed, I apologize if it came out that way. We have no idea about the entire picture and there is many moving parts and I would hate to lead you wrong. I recomme...
by N1CKV
Wed Jul 26, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7459

Re: Post Nuptial agreement guaranteeing alimony?

To calm everyone's worries - declining another job brought this thought up. The offer was at a competing company for a competing position and we felt it was in our best interest for me to decline after my husband's company made it clear that they disapproved of the conflict . His next promotion cou...
by N1CKV
Tue Jul 25, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Driveway On Neighbours Land
Replies: 30
Views: 2402

Re: Driveway On Neighbours Land

Re: Driveway On Neighbours Land
You are in the United States, the proper spelling is "Neighbor".
by N1CKV
Fri Jul 21, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3508

Re: Commuters (that drive), what do you listen to?

I take advantage of my Amazon Prime account and listen to the Prime Music App, which integrates perfectly through Android Auto within my vehicles head unit. I always listen to music mindlessly so that I can concentrate on driving, there is enough other people on the road concentrating on stuff other...
by N1CKV
Fri Jul 21, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: How is U-Haul for getting a trailer hitch?
Replies: 28
Views: 2317

Re: How is U-Haul for getting a trailer hitch?

This thread reminded me that I never added a hitch to my wife's Highlander. I just checked U-Haul rates and it was $224 +tax w/ free shipping, or add $105 for install. Amazon has the Curt brand hitch plus wiring harness for ~$171 w/ free shipping. Rust is not a concern for me in the deep south. I ca...
by N1CKV
Wed Jun 28, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Getting a new cooktop, gas vs electric?
Replies: 72
Views: 4749

Re: Getting a new cooktop, gas vs electric?

I prefer gas by a wide margin. That being said, I just put in electric - my house is electric only with no gas even run down my street. I previously had a coil style burner, now a glass cooktop. Your concerns about heating slower are unfounded, it's actually quite the opposite. I find the smooth top...
by N1CKV
Wed Jun 28, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4250

Re: Do you buy phone outright or pay it off monthly...

I buy my phones unlocked. On iPhone7 the Apple Store had carrier phones or unlocked, same price. The AT&T version did not have CDMA capabilities. The Verizon version did not have GSM capabilities. The unlocked version could work with both. I have been with AT&T for a very long time. They have superi...
by N1CKV
Tue Jun 27, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 10
Views: 994

Re: Pet insurance

I don't have health insurance for my two dogs (I do have a homeowner's rider for pet liability). We do have a "Pet Assure" membership that offers substantial discounts. Our Vet takes it, not all do. My dog, a pure bred, has had knee surgeries on both knees (multiple on each). I ran the numbers and I...
by N1CKV
Tue Jun 27, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Elderly Relative Reluctant to give POA
Replies: 30
Views: 2805

Re: Elderly Relative Reluctant to give POA

I have always had no problems depositing checks with "For Deposit Only" and the account number written in the endorsement - until one time.... (actually twice, two different banks): *Ally bank does NOT allow this type of endorsement. While I have had several checks deposited this way, I had one occa...
by N1CKV
Mon Jun 26, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Bitcoin in the event of owner death
Replies: 10
Views: 1441

Re: Bitcoin in the event of owner death

Write the keys down. Do not include any information that alluding to the fact of what they actually mean or go to. I could give you a full list of my passwords, but if you don't know what they go to they are useless. Stop overthinking it. I did this with my safe combination. I gave it to an individu...