Search found 91 matches

by aerofreaky11
Fri Aug 11, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Elan Fidelity 2% card website after fraud alert
Replies: 7
Views: 1364

Re: Elan Fidelity 2% card website after fraud alert

I had my card number used to buy prepaid phone cards... I was unable to accept the calls and when calling back I was diverted from customer service to the fraud unit with 30+ minutes wait before I hung up 3x at different times of the day. I mentioned to the rep that this kind of service is unaccepta...
by aerofreaky11
Wed Jul 19, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Battery Life - 2008 Toyota Hybrid Camry
Replies: 39
Views: 4227

Re: Battery Life - 2008 Toyota Hybrid Camry

A post bought back from the dead... 08 Prius owner... 195k. Knock on wood, still giving me a steady 51mpg city/Hwy
by aerofreaky11
Sat Jul 08, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: NYCDCP vs. Personal IRA Account for NYC Public School Teacher
Replies: 25
Views: 1053

Re: NYCDCP vs. Personal IRA Account for NYC Public School Teacher

Note: the "wild card" is if there is a CON-CON (constitutional convention) the guaranteed TDA amount could be changed without collective bargaining.

So, for this reason, as I suggested in my other posting above make sure you aren't "all in" the TDA.
by aerofreaky11
Sat Jul 08, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: NYCDCP vs. Personal IRA Account for NYC Public School Teacher
Replies: 25
Views: 1053

Re: NYCDCP vs. Personal IRA Account for NYC Public School Teacher

First, there are two different agencies you are referring to. The 403b is also know as the TDA. It's only available pre tax. This is offered by the NYC TRS. It offers a 7% fixed as well as 'core' investment choices which lack a great deal of transparency. The 401k and 457 and IRA are available by th...
by aerofreaky11
Fri May 05, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: Insulating Walls - Worth it?
Replies: 44
Views: 5403

Re: Insulating Walls - Worth it?

If this is development wide... Suggest 'board' negotiate volume pricing and trusted contactor (bids) to allow other units to have a similar upgrade. We did this in my NYC condo with faulty HVAC valves. Ultimately, it was up to the owner to pay and decide it was worth it. If the 'board' buys in, the ...
by aerofreaky11
Thu Apr 20, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Return Fraud at Big Box and "The Retail Equation"
Replies: 19
Views: 2649

Re: Return Fraud at Big Box and "The Retail Equation"

From the wording in OP's original post, I do not understand why OP believes a return was processed? Several weeks later, I received an email from the loyalty program with a copy of a receipt. Interesting...I didn't make a return OP - can you please clarify why you believe a "return" was p...
by aerofreaky11
Wed Apr 19, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Return Fraud at Big Box and "The Retail Equation"
Replies: 19
Views: 2649

Return Fraud at Big Box and "The Retail Equation"

Background: I purchased several items at a national big box home improvement store. Some of the items were LARGE as in 4 feet by 8 feet wide. Several weeks later, I received an email from the loyalty program with a copy of a receipt. Interesting...I didn't make a return. In fact, I haven't shopped a...
by aerofreaky11
Tue Apr 11, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2382

Re: Combatting mosquitoes traveling in S. America

Presumably, anti-malaria pills are prescribed by a doctor. I would not be taking these (or any medication for that matter) without being under the direction of an infectious disease doctor, who would specialize in these types of things. DW is ID MD. I'm no specialist, but the warning is worth notin...
by aerofreaky11
Tue Apr 11, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2382

Re: Combatting mosquitoes traveling in S. America

Careful with the anti malaria pills. Many have severe side effects... The most simple (doxycycline) will cause sun sensitivity and the newer more effective ones can trigger scary mental issues which are never welcome, but especially when you're in a new place without people who know you enough to se...
by aerofreaky11
Wed Feb 08, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 33
Views: 5588

Re: Worth it to get 300 Mbps internet?

TWC/DBA Spectrum is heading for a class action suit due to promised speed. It's very clear that the rental modems they had out in the field weren't capable of the higher speeds quoted. Regardless, 300 is a major overkill for what you describe as your needs/usage. You CAN put premium in your non high...
by aerofreaky11
Tue May 24, 2016 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Comp: How long do you trust your company?
Replies: 49
Views: 5555

Re: Deferred Comp: How long do you trust your company?

Can anyone chime in on the differences in liability/risk in private co. vs. municipal/city/state government plans. For example, NYC Deferred Compensation offers a 457 Plan in Roth and Regular. The $18,500 limit is separate from the 401K/403B pool. One doesn't have to go far to find different governm...
by aerofreaky11
Sat Dec 12, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: We have a major bedding issue. Yes, bedding.
Replies: 43
Views: 6060

Re: We have a major bedding issue. Yes, bedding.

Nocturnal hypoglycemia could be the issue. A relative of mine had this. Sugars looked great during routine exams, but after +/- 30 hour hospital shifts, she would come home and crash/sleep without eating first. Never tested sugars after long shifts without food/nutrition. The night sweats stopped wh...
by aerofreaky11
Sat Aug 22, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Inverter Fridge
Replies: 0
Views: 461

Inverter Fridge

I've been researching Energy Star fridges. I'm curious if anyone has experience with the latest technology which is the inverter motor. Instead of running some of the time and cycling the temp. up and down, the inverter style always runs, but at a variable output speed. The idea is that it is much m...
by aerofreaky11
Fri Jun 19, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: House Underwater
Replies: 22
Views: 3693

Re: House Underwater

Under water stinks, but considering the numbers you could be worse off. You lived there as a primary residence for 4 years. You are under by 42K. With rough math I see that one way of looking at is is that you paid $875 a month in rent for those 4 years (plus closing costs etc and surely maintenance...
by aerofreaky11
Mon Feb 09, 2015 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should I put a Credit Freeze on my accounts?
Replies: 37
Views: 5313

Re: Should I put a Credit Freeze on my accounts?

Can you access your score with Credit Karma etc... during a freeze (consumer requested) or is it locked down for that purpose as well. Any disadvantages in locking down in terms of improving scores. Is it a bad idea for someone with a thin file?
by aerofreaky11
Fri Feb 06, 2015 5:34 pm
Forum: Personal Consumer Issues
Topic: Cable Modem
Replies: 19
Views: 2324

Re: Cable Modem

Remember some of the cable companies have been known to charge for a modem...even after you return it. Save the receipt and check your bill!
by aerofreaky11
Fri Feb 06, 2015 5:20 pm
Forum: Personal Consumer Issues
Topic: Sleeping bags for cold weather
Replies: 30
Views: 3607

Re: Sleeping bags for cold weather

Look for a down (water resistant, naming depends on the TM of the company...) bag with a high number down 600-800+ "fill." There are some amazingly warm bags out there that don't weigh all that much. They aren't cheap... $200-400+

Sierra Designs has a bunch. https://www.sierradesigns.com/sleeping-bags
by aerofreaky11
Sat Jan 17, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: [Purchasing a] shopping cart
Replies: 22
Views: 2815

Re: [Purchasing a] shopping cart

Costco has a quality cart. If you are a member...basically lifetime warranty.
by aerofreaky11
Thu Jan 08, 2015 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 59
Views: 10962

Re: Best online checking account

Thanks for posting topic. I'm still with Everbank, but it might be worth the change depending on what I see here.
by aerofreaky11
Fri Jan 02, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 8965

Re: Test drive new vehicle without sales pressure?

Zip Car... lots of models if you are looking for compact or higher end.
by aerofreaky11
Sat Dec 27, 2014 3:58 pm
Forum: Personal Consumer Issues
Topic: Runners, Triathletes, Cyclists,...
Replies: 22
Views: 2646

Re: Runners, Triathletes, Cyclists,...

I would imagine you could find a training group associated with NYRR. There are countless "clubs" associated to NYRR and they generally have low annual fees. Find a group focusing on longer races. Many have official trainers and events. I find it possible to get in moderately long runs in ...
by aerofreaky11
Fri Dec 26, 2014 5:01 pm
Forum: Personal Consumer Issues
Topic: Any pilots here? [advice for prospective pilot]
Replies: 60
Views: 7892

Re: Any pilots here?

Private SEL with tailwheel endorsement. I started on my commercial MEL, Instrument, etc... but things changed I haven't flown in nearly a decade. NYC is not the place to stay current. I dream of some more hours in a J3. The cub was always the most fun for me. It kind of felt like a flying canoe.
by aerofreaky11
Thu Dec 25, 2014 12:54 pm
Forum: Personal Consumer Issues
Topic: Traveling to Spain - phone, data plan and credit card
Replies: 36
Views: 4279

Re: Traveling to spain - phone, data plan and credit card

Why not contact ATT for your unlock code and use your IPhone with a cheap sim? I'm not sure of the policy for ATT, but with Tmo you can get unlocks after a few months and immediately on some types of purchases.
by aerofreaky11
Mon Dec 01, 2014 8:38 pm
Forum: Personal Consumer Issues
Topic: Health Insurance for 5 Month International Travel
Replies: 9
Views: 1668

Re: Health Insurance for 5 Month International Travel

Always used International Medical Group. Med evac insurance might be a good supplemental depending on your health needs. In my case it was for a shot of better care when in some very remote areas.
by aerofreaky11
Sat Nov 22, 2014 11:17 am
Forum: Personal Consumer Issues
Topic: Seeking a Cellphone Change
Replies: 20
Views: 2786

Re: Seeking a Cellphone Change

I just did the switch from Tmo to Cricket. MUCH better signal penetration in NYC buildings. I used to lose signal in my kitchen. Now, it works fine there. There are some major promos going on now. I think your only upfront cost would be a sim and the first months service. I ported in and got a $100 ...
by aerofreaky11
Thu Nov 13, 2014 7:27 pm
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 2144

Re: Chip and Pin: busted by hackers before it's even here

There are two different type of smart chips... Is this piece about the "tap to pay" style "smart chip?" The cards issued in the EU etc... are read via contact in a special reader, no RF transmission?
by aerofreaky11
Sat Nov 08, 2014 6:27 pm
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 9390

Re: Merc or BMW?

You're considering two very different types of beasts with German heritage. MB's drive smoother and are more "boring." The BMWs drive harder and stiffer. There were suggestions to look at Audi models. I don't disagree. Those will fit on the BMW side of things especially if it's an S. I wou...
by aerofreaky11
Mon Nov 03, 2014 8:52 pm
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 8747

Re: Money saved by buying a hybrid or electric car?

Factor in time savings. I spend less than 5 minutes every two weeks at a gas station. In my Jetta Turbo it was 10 minutes at least once a week. Additionally, I have found the normal maintenance for my hybrid to be cheaper. I made it to nearly 150k before needing break pads. Compare that to previous ...
by aerofreaky11
Thu Oct 23, 2014 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: EverBank
Replies: 13
Views: 3491

Re: EverBank

I've used Everbank as my primary checking account for years. They reimburse for atm fees and I earn interest. All assistance I have needed has been friendly and prompt.
by aerofreaky11
Fri Oct 10, 2014 7:37 pm
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 7831

Re: Couch Surfing

I met my wife on CS. It was a fluke... the person I was supposed to stay with (a guy) canceled on me a few hours before meeting and I found a replacement (my future wife.) I didn't end up staying over because of an early flight, but she showed me her city during my lay over. I also have several life...
by aerofreaky11
Wed Oct 08, 2014 4:14 pm
Forum: Personal Consumer Issues
Topic: Wooden Fence Cost? Board on board.....
Replies: 14
Views: 2121

Re: Wooden Fence Cost? Board on board.....

15 year + stain is available. Don't go cheap. Behr has a 15-25 year product. Even more expensive brands are avail. Check a Consumer Report magazine at the library for the latest and best rated.
by aerofreaky11
Sun Sep 21, 2014 5:31 pm
Forum: Personal Consumer Issues
Topic: Car registration & driving across the country
Replies: 14
Views: 1627

Re: Car registration & driving across the country

Make sure you buy it in a CARB state... NJ is one... if you want to have the extended battery warranty 10 years/ 150k miles... Sale and continuous registration in CARB states is required.
by aerofreaky11
Sat Sep 13, 2014 7:50 am
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7560

Re: Clean, quiet, safe and cheap. Is there such a travel pla

I read somewhere that there is a lot of kidnapping in ColOmbia. Is that not true? Take a look at some more recent facts about Colombia. The areas I suggested are safe. Just like there are areas in the US you would probably not want to visit, down the road the picture is completely different. The NY...
by aerofreaky11
Fri Sep 12, 2014 7:46 pm
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7560

Re: Clean, quiet, safe and cheap. Is there such a travel pla

How about the highland plateau of Colombia. 50-70 daily. Quiet, nice people. How about a small city like Suesca, Zipicon, Villa De Leyva, or Facatativa? All are an affordable taxi (or cheap bus) ride from Bogota's airport. I think you would be pleasantly surprised with the daily life. There are alwa...
by aerofreaky11
Fri Aug 22, 2014 9:50 am
Forum: Personal Consumer Issues
Topic: Global entry and Nexus (not the phone)
Replies: 16
Views: 1710

Re: Global entry and Nexus (not the phone)

Look good for the picture that you will have to live with for the next five years.


Unless if you request a "Global Entry Card" which seems to be pretty much useless, you'll never see that photo again. They use it internally for the kiosk to match your photo.
by aerofreaky11
Sat Aug 16, 2014 11:25 am
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 6370

Re: How to value house with unwanted tennis court

Not a hazardous material. Someone with a dozer could dig a hole and you could dump it and build a berm?
by aerofreaky11
Sat Jul 12, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 9192

Re: Solar panels, are they worth it?

I have to agree that insulation is the first step. You're describing issues on the 2nd floor. Get as much insulation as you can in there and research powered thermostatically controlled fans etc... I have first hand experience of cutting energy consumption by 1/3 from better insulation. R 19 was a j...
by aerofreaky11
Mon Jun 02, 2014 12:32 pm
Forum: Personal Consumer Issues
Topic: Finding/eradicating a "funky" smell from our Prius
Replies: 20
Views: 8435

Re: Finding/eradicating a "funky" smell from our Prius

Prius is notorious for gathering water in the battery area--cracks in the sealer along roof line are source. Mine was full of about 2 inches of water. I haven't gotten around to sealing the leak, but it is on my list. Get some old rags and sop up the water if you have it and toss some bleach in ther...
by aerofreaky11
Wed May 21, 2014 11:57 am
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 3465

Re: Growing Blueberries

I have an orchard in VT. I planted 20 blueberry bushes--highbush style safe down to zone 4. My soil is not acid enough naturally, I modified the soil ahead of time using sulfur--a long term project. I have one row planted in frames set in basically a peat and sand mix. That is another way to go. You...
by aerofreaky11
Sun Mar 16, 2014 11:00 am
Forum: Personal Consumer Issues
Topic: insurance for my 8 yr old accord
Replies: 11
Views: 915

Re: insurance for my 8 yr old accord

Q- Do you have the cash to buy a new car if you have a total loss? If the answer is yes, cancel it.
by aerofreaky11
Fri Jan 31, 2014 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a ski condominium
Replies: 22
Views: 4611

Re: Buying a ski condominium

Just heard a piece on the boomers and their skiing habits. Apparently they are a huge percentage of skiing population. They are also slowing down. Many of my parents' friends have suffered from blown knees and head injuries. Some resorts are giving free passes to 10 year olds in hopes of hooking the...
by aerofreaky11
Wed May 22, 2013 12:19 pm
Forum: Personal Consumer Issues
Topic: Runners Knee...new shoes, orthotics, what?
Replies: 47
Views: 4660

Re: Runners Knee...new shoes, orthodics, what?

How did people run before modern shoes became available? Actually, if you run barefoot you prevent most of the injuries brought about by modern athletic shoes. So, that is the answer. I know there is a "fad" to run barefoot, but historically, that is how it was done. Even before it was co...
by aerofreaky11
Sat Apr 06, 2013 5:48 pm
Forum: Personal Consumer Issues
Topic: Living outside the US seasonally?
Replies: 28
Views: 3303

Re: Living outside the US seasonally?

Colombia might not be that much of a bargain. Where in the country might you visit? The coast is not exactly cheap anymore. However, you can find some beautiful places in the Andes (BOG, MED and surrounding areas) where it is 50-70 or so each day and affordable. The coast (Caribbean) is HOT dependin...
by aerofreaky11
Fri Jan 18, 2013 4:39 pm
Forum: Personal Consumer Issues
Topic: building a home
Replies: 13
Views: 1210

Re: building a home

SIPS, Poured in floor radiant heating, passive solar. Pay a bit up front and you will be more comfortable--and thank me for the suggestion.
by aerofreaky11
Mon Jul 09, 2012 8:42 pm
Forum: Personal Consumer Issues
Topic: Things to do in Vermont?
Replies: 17
Views: 1556

Re: Things to do in Vermont?

You need to visit a swimming hole. I can suggest Buttermilk Falls near Ludlow. They also have an alpine cart installation at Okemo Mountain. If you like fine dining. I highly recommend Burdick Chocolate. It is across the river from Bellows Falls, site of one of the first US canals in a town called W...
by aerofreaky11
Sun May 06, 2012 4:02 pm
Forum: Investing - Theory, News & General
Topic: NYC Employee Retirement Funds
Replies: 6
Views: 1379

NYC Employee Retirement Funds

I am a NYC employee. There are lots of different retirement options available in addition to the defined benefit retirement program. I have a 401K (pre and Roth) and a 457 (pre tax) and a Tax Deferred Annuity. The 401K and the 457 are under the NYC Deferred Compensation Plan. The choices include: St...
by aerofreaky11
Tue Dec 07, 2010 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Long Term Travel
Replies: 61
Views: 9212

I did this about 7 years ago. However, mostly Asia. I averaged $500 a month. IMG Medical insurance. All over land--exception was from India to Thailand. Boarders closed... I brought a tent.

Absolutely no issues. Make sure you visit Vietnam, Borneo and Indonesia--and Mongolia!
by aerofreaky11
Sat Sep 11, 2010 8:29 am
Forum: Personal Consumer Issues
Topic: Sailing -- cost?
Replies: 36
Views: 7755

I am a pilot and a sailor. Sailing is less expensive. However, the issue with sailing is the maintenance and insurance of the boat. It is not necessarily the price of the "hull." You have to realize what a foot of line for a halyard costs and how much you have to pay per foot for storage i...
by aerofreaky11
Sat Aug 28, 2010 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Exchange (FX) brokers--not FOREX, but for $ Int'l. X
Replies: 8
Views: 1608

Unfortunately, there are limited choices for the specific currency I am working with. It is no Euro! I am trying to find out who works with S. American currencies.

Thanks for the help.