Search found 187 matches

by UALflyer
Wed Jun 20, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3508

Re: Sherwin Williams paint

As I posted earlier my son works for them at a local store. The amount of solids and other items that help the paint last and look better have been analyzed by independent agencies and SW products have more in them. Granted, Painters get a great discount at the stores and free shirts but the paint ...
by UALflyer
Wed Jun 20, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3508

Re: Sherwin Williams paint

I agree that it's not the sole reason painters use it, but I've got to believe that if it was laborious and difficult to apply, they wouldn't be using it. I do realize that painting contractors get some nice discounts on it. Right, Sherwin Williams' paint is fine, and it's not laborious and difficu...
by UALflyer
Wed Jun 20, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3508

Re: Sherwin Williams paint

This is why almost all paint contractors use Sherwin-Williams and Benjamin Moore paint, because it saves them on labor, which is where the real $$$ is spent. Sherwin Williams' paint is fine, but this isn't the reason that all paint contractors use it. They get professional discounts at Sherwin Will...
by UALflyer
Tue Jun 12, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5445

Re: When should you consider removing the collision coverage on a car?

My rationale does not ignore the likelihood of a payout. The insurance company has to take it into account. They also have to account for their overhead and profit margin when charging premiums, which are costs I do not have. Their rates work for them, and they're very good at this, so pricing for ...
by UALflyer
Tue Jun 12, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5445

Re: When should you consider removing the collision coverage on a car?

I dropped collision and comprehensive on my 10 year old truck with about 95K miles. The truck is probably worth around $8K. I also dropped rental and towing coverage at the same time. My reasoning - I only insure things I can't easily afford. Dropping collision saved me $300/year and dropping compr...
by UALflyer
Mon Jun 11, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5445

Re: When should you consider removing the collision coverage on a car?

It is important to note that even with something like $1k deductible it is sometimes better to just pay for a repair rather than file a claim and then have your rates go up soon afterwards (very likely if there is another claim within a short period of time). As an example if car (worth $6K) needs ...
by UALflyer
Thu Jun 07, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 34
Views: 2433

Re: Best insurer? Allstate vs chubb vs AAA or others

Most HO policies are written on standard Bureau forms with a few minor variations. Most residential homeowner's insurance policies are based on the HO3 form (or, some of the better ones, on the HO5 form), but it doesn't mean what your posts suggests that it means, which is that contractual features...
by UALflyer
Thu Jun 07, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 34
Views: 2433

Re: Best insurer? Allstate vs chubb vs AAA or others

If you can buy it. I am a HNW investor and experiencing a regional issue with them. I have been trying to buy $10m umbrella from Chubb for over a year, they only have two reps in my current state one of which only does businesses, the other of which has been promising policy details and not deliver...
by UALflyer
Wed Jun 06, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 34
Views: 2433

Re: Best insurer? Allstate vs chubb vs AAA or others

Chubb covers the HNW market. That's correct. If you have normal insurance needs, Chubb may be no better than the mass market carriers. If you don't fit their target market, they are likely to refuse to insure you or, if you are not in their sweet spot, they may not be attractively priced. The cover...
by UALflyer
Wed Jun 06, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5445

Re: When should you consider removing the collision coverage on a car?

On the other hand, paying $100/year in exchange for a possible $3,000 payout requires you to make just one claim in the next 30 years to break even or to come out ahead. Given these numbers, you are exceedingly likely to come out ahead and would be crazy to turn down this coverage. Question: assume...
by UALflyer
Wed Jun 06, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5445

Re: When should you consider removing the collision coverage on a car?

I take it off when I could write a check to replace it without transferring money into my checking account. Somewhere about $3000 - $4000. Insurance companies make money, I only insure things that would be painful to replace. People get way too carried away thinking that they'll save money by elimi...
by UALflyer
Wed Jun 06, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 5445

Re: When should you consider removing the collision coverage on a car?

Insurance companies make money, I only insure things that would be painful to replace. This. If the cost to replace is less than 10% of your liquid, non-retirement assets, insurance isn't "necessary" in my mind. To me, the decision has very little to do with whether I am able to absorb the loss, an...
by UALflyer
Wed Jun 06, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 34
Views: 2433

Re: Best insurer? Allstate vs chubb vs AAA or others

So for you is chubb or amica better. Im confused. Why did you go with the company Chubb and other insurance companies like it tend to offer the types of service and policy features that standard insurance companies, like Amica, can only dream about. If you happen to be in their sweet spot, these hi...
by UALflyer
Tue Jun 05, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 34
Views: 2433

Re: Best insurer? Allstate vs chubb vs AAA or others

If you shop just on price you may regret it if you ever have a claim. Since USAA is not an option, I would strongly suggest Amica. Other members here like Geico. I completely agree with the premise, but would caution you about the conclusion. Insurance pricing is highly individualized, and there ca...
by UALflyer
Tue Jun 05, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5147

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

I don't have the link at hand, but I know I saw a chart of air obstruction or whatever it's called where some cheapo filters were worse. Again, for identically sized filters, this is simply not possible. If you have two identically sized filters, but one is capturing significantly more particles th...
by UALflyer
Tue Jun 05, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 30
Views: 1353

Re: Should I replace my water heater?

Am I the only one who expects that a drain pan will include a drain to allow the water to "drain". In my case, while the bottom didn't fall out of the water tank, it certainly did leak at a pretty good rate. The drain easily prevented the pan from overflowing. A 3/4" pipe can output 20+ gallons a m...
by UALflyer
Tue Jun 05, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 30
Views: 1353

Re: Should I replace my water heater?

Am I the only one who expects that a drain pan will include a drain to allow the water to "drain". In my case, while the bottom didn't fall out of the water tank, it certainly did leak at a pretty good rate. The drain easily prevented the pan from overflowing. A drain pan is just that, a pan to con...
by UALflyer
Tue Jun 05, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5147

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

Some of the cheap filters actually block more air than the expensive allergy filters. They don't, at least not if they are the same size. Here's a MERV rating chart: http://www.mechreps.com/PDF/Merv_Rating_Chart.pdf All allergy filters are designed to trap allergens, which, by definition, requires ...
by UALflyer
Tue Jun 05, 2018 4:35 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 30
Views: 1353

Re: Should I replace my water heater?

People are talking about installing a drain pan, as if it will somehow prevent a disaster. A drain pan should certainly be installed, and in many cases the local codes require it, but it only holds a few gallons. If you don't notice the leak very quickly (it's not as critical if there's a drain), or...
by UALflyer
Tue Jun 05, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2082

Re: Water Heaters

Worst case scenario get it replaced by a contractor within a day. Worst case scenario is a catastrophic failure, which would result in a massive disaster. Most of the time water heaters do develop a slow leak, which gives you time to replace them, but catastrophic failures are also not that uncommon.
by UALflyer
Tue May 29, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 27989

Re: GEICO auto rates vs. USAA: too good to be true?

So has anyone had claim service from GEICO (or State Farm or Progressive) and was it OK? Thanks. What's your definition of "ok"? For instance, one of the posters responded to your question above and mentioned that he had a windshield replacement claim with GEICO, which was not an issue. If you were...
by UALflyer
Mon May 28, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 27989

Re: GEICO auto rates vs. USAA: too good to be true?

Price is nice, but SERVICE is important. Price USAA (if you qualify) and AMICA to compare. We've been with AMICA for nearly 40 years and their service cannot be beat. I've experienced a couple of auto claims with AMICA and was rather disappointed. In one case in particular, their handling of the cl...
by UALflyer
Sat May 26, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 27989

Re: GEICO auto rates vs. USAA: too good to be true?

I have heard that Geico doesn't write its own homeowners insurance, just auto and umbrella insurance, so you're really dealing with a mystery insurance provider if you go through Geico. I have used State Farm. GEICO is an auto insurance company. If you want homeowner's coverage, you go through thei...
by UALflyer
Sat May 26, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 174
Views: 27989

Re: GEICO auto rates vs. USAA: too good to be true?

Price is nice, but SERVICE is important. Price USAA (if you qualify) and AMICA to compare. We've been with AMICA for nearly 40 years and their service cannot be beat. I've experienced a couple of auto claims with AMICA and was rather disappointed. In one case in particular, their handling of the cl...
by UALflyer
Sun May 20, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1196

Re: Air conditioner recommendations?

In my case all the software pointed to 3 tons but it's not enough for triple digit temperatures, even after adding much better windows, more insulation, etc. Each area has a certain design temperature, and the a/c system is set up to handle that temperature. When the actual temperatures in the area...
by UALflyer
Sun May 20, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1196

Re: Air conditioner recommendations?

Can you explain how the furnace has anything to do with the SEER? I was always under the impression that SEER was for cooling only. Thanks. Correct, but your furnace does a lot more than just heat the air. Your furnace contains an air handler, or blower, which has a fan that distributes cool air (a...
by UALflyer
Sun May 20, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Air conditioner recommendations?
Replies: 17
Views: 1196

Re: Air conditioner recommendations?

In Houston I would go with the XC17. It should be a quieter unit. The 17 or 18 SEER is worth the $1,100 over the 15 SEER with all those hot days. I get that people are trying to be helpful, but really wish that they would stop responding to questions that they know nothing about. Unfortunately, no ...
by UALflyer
Fri May 11, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2790

Re: 36" or 42" wide Refrigerator?

If you want the look of built-in or integrated there are multiple brands such as Sub Zero, Miele, and Thermador and they do come in standard sizes but the cabinet panels that go on the doors are specific to each unit. Miele and Thermador are the same refrigerator (with slightly different aesthetics...
by UALflyer
Fri May 11, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2790

Re: 36" or 42" wide Refrigerator?

It's just part of the routine, every other Sunday when our family gets together for dinner, that I go through their refrigerator and toss very old leftovers, rotted produce, and condiments that are months expired. A lot of people have a mistaken impression that all refrigerators simply keep food co...
by UALflyer
Thu May 10, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2790

Re: 36" or 42" wide Refrigerator?

You've got some good suggestions already about width, so i won't add anything. We have a standard width. It's a nice house (about $475000) but not super high end. The fridge does stick out a few inches, but it's got it's own box that it's set in, so it looks perfectly fine! However, I wouldn't reco...
by UALflyer
Wed May 09, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2790

Re: 36" or 42" wide Refrigerator?

Thanks UALFlyer. Yeah, read the long Houzz thread and I really liked the full fridge full freezer combo with trim kit...has that professional look for significantly less than what a “regular” 48” fridge. I will have to check that out further and decide on which one (I think wife and I are sold on t...
by UALflyer
Wed May 09, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2790

Re: 36" or 42" wide Refrigerator?

Thanks for your input. This wouldn’t be a starter house...it’s the biggest floor plan in the community and probably up there in price relative to other houses in the community...although I hesitate to label it “high end”. We did opt for multiple upgrades. For a higher end house (even if it's not to...
by UALflyer
Wed May 09, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 33
Views: 2790

Re: 36" or 42" wide Refrigerator?

You may want to review this thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=241898 Is this going to be a starter or high end house? With a starter house, I would unquestionably put in a 36" freestanding refrigerator, which is what would be expected in such a house. If it's a high end h...
by UALflyer
Tue May 08, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

A quick perusal on Google shows that opinions on Costco tires vary widely, with the biggest complaint being over wait times. Right, if without an appointment you stop by a high volume Costco on a weekend, particularly one when they're running a good tire promotion (such as the most recent $70 off M...
by UALflyer
Tue May 08, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

I've never heard of Tire Pro, but they are not honest if that's what they say about Costco. Tire Pros is not a retailer. It's just a marketing program where small independent tire retailers join this program, which is advertised as offering certain benefits to the customers on a national basis. It'...
by UALflyer
Tue May 08, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

We've always taken our cars to a local dealer who is a Tire Pro member because of their service and honesty. They mentioned in the past that Costco tires may be cheaper but are of lower grade, but take that for what it's worth. So, the retailer that you use because of its "honesty" has mentioned th...
by UALflyer
Tue May 08, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

If I wanted Michelin’s, I would buy them even if I couldn’t wait until they were $70 off at Costco. For those who don't know, Michelin always has its $70 off rebate running somewhere. All that Michelin does is rotate the rebate among different retailers, such that you never have a situation where e...
by UALflyer
Tue May 08, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

I've owned a set of Michelin Defenders and they were garbage. I rotate my tires every 7,500 miles like clockwork, and the tread depth was at 4/32 at 58,000 miles. The warranty was 90,000 (now reduced to 80,000). There is more to tire quality than its longevity. In general terms, the tires that offe...
by UALflyer
Tue May 08, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

Discount Tires installation and certificates are way too expensive. They are charge $90 for installation and ~$60 for the certificates (extra warranty/insurance). Costco only charge $56 for installation and certificates are free, so we're talking almost 3X more expensive for non-tire related fees. ...
by UALflyer
Tue May 08, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6023

Re: Tires: Where to Get? Warranty? And Questions?

Michelin's warranty requirements are difficult to meet and thus null and void in most cases. Michelin's treadware warranty requirements are standard and are exactly the same as those provided by other major tire manufacturers. Assuming that your tire does come with a treadware warranty (some ultra ...
by UALflyer
Fri May 04, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4046

Re: Costco Vs Amazon Prime

I agree with all the posters saying that misterno's focus on Costco's rotisserie chicken is misplaced, but in misterno's defense, at least he/she is making an effort to eat healthy, even if in practical terms it doesn't end up being as healthy as he/she thinks. Sure, his concerns about the insignifi...
by UALflyer
Thu May 03, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4046

Re: Costco Vs Amazon Prime

or am I too paranoid to avoid chicken with sugar in it? Just out of curiosity, how many grams of sugar does this chicken have in it per X g serving? Would it even be significant as part of a meal that had other types of carbohydrates in it? It's not significant: https://www.myfitnesspal.com/food/ca...
by UALflyer
Thu May 03, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4046

Re: Costco Vs Amazon Prime

I guess it's been said, but you have to go to Costco don't you? That's a problem. I tend to buy more judiciously online relaxed at home away from the distractions of a store. Costco now offers free 2 day delivery (with a $75 order) on a bunch of stuff. With a $35 minimum, they also now have same da...
by UALflyer
Thu May 03, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4046

Re: Costco Vs Amazon Prime

Walmart has the same stuff as Amazon with free shipping and no annual fee although I do like Amazon. This is all obviously highly subjective. To me, Walmart online should be a case study of how not to run a website. Its product selection is far inferior (obviously depends on what you buy), far fewe...
by UALflyer
Thu May 03, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4046

Re: Costco Vs Amazon Prime

Amazon Prime. Have never tried Costco because there are none near me but have tried the competitors (Sam's club / BJs). It's not just about the price - it's about not wanting to drive to a store and back, sludge around in a store with other folks bumping into you, having to stand in line waiting to...
by UALflyer
Sun Mar 25, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6297

Re: Costco Kirkland Brand Liquor

Gin and tonic certainly, vodka and soda maybe, but I doubt very many people can tell which brand is in a vodka and tonic because of the bitter flavor of the tonic even before it gets a squeeze of lime. A lot of people probably could not even tell what brand of tonic is in it, for that matter. Do yo...
by UALflyer
Sun Mar 25, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6297

Re: Costco Kirkland Brand Liquor

No one drank it neat or on the rocks but only in mixed drinks and no one ever knew the difference. Once again, there are different kinds of mixed drinks out there. There are some that are designed to obliterate the taste of liquor, while there are others that are designed to highlight its ingredien...
by UALflyer
Sun Mar 25, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6297

Re: Costco Kirkland Brand Liquor

Vodka is just ethanol (EtOH) and water. And all cars have an engine and four wheels. This debate is pretty silly. If you are the type of person who finds all vodka (or other types of alcohol, or cars, or anything else for that matter) exactly the same, then you might as well save your money and buy...
by UALflyer
Sat Mar 24, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6297

Re: Costco Kirkland Brand Liquor

You had me until "vodka." I'd love to see some blind triangle tastings of Kirkland Sig. vodka vs. name-brand vodka. I think that people drink vodka with their eyes, since the better the vodka is, the more transparent and tasteless it is... This is exactly what my point is. Grey Goose has very littl...
by UALflyer
Sat Mar 24, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 58
Views: 6297

Re: Costco Kirkland Brand Liquor

Found some more info: Kirkland bourbon and rum is produced by Jim Beam. Kirkland vodka is made from the same water source and by the same employees that Grey Goose uses. Kirkland tequila is produced in the same distillery as Cielo tequila. Have you tried any of the above? I absolutely love Costco, ...