Search found 435 matches

by batpot
Tue Sep 27, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Tap Water filter for 2 adults? For drinking.
Replies: 10
Views: 551

Re: Tap Water filter for 2 adults? For drinking.

brown/orange water likely indicates rust from galvanized pipes, and it may be the piping in your house that is the culprit.
by batpot
Tue Sep 27, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: Smartphone Case
Replies: 9
Views: 203

Re: Smartphone Case

I prefer TPU cases because they add a fair amount of buffer from shock without a lot of bulk, and it's not tacky like silicone. Read reviews, because not all TPU cases fit the same, and sometimes they make it hard to actuate the buttons. If the extra bulk doesn't bother you, Spigen's slim armor is a...
by batpot
Mon Sep 26, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: How is this scam supposed to work? [ebay]
Replies: 3
Views: 1099

How is this scam supposed to work? [ebay]

So twice now I have ordered some sunglasses from ebay via "buy it now", and within minutes of paying via paypal, ebay has emailed me saying the seller's account may have been compromised, the auction has been deleted, and not to pay. Of course in both cases I had already paid, so followed ...
by batpot
Wed Sep 21, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Small smartphone recommendation? Anyone use a BLU?
Replies: 27
Views: 1986

Re: Small smartphone recommendation? Anyone use a BLU?

bloom2708 wrote:IYou could also look for a phone like an LG G4 GSM with the leather back. 32gb, nice screen, fast, Android 6. ~$170 for a nice used one.

Due to its bootloop issue, a used LG G4 is not a good idea unless it is a manufacturer refurb.
by batpot
Wed Sep 21, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Free housing vs 30k bonus to purchase home
Replies: 16
Views: 1810

Re: Free housing vs 30k bonus to purchase home

First thing I thought of when I read this was that the Hospital may be looking to eliminate the free housing option, and are testing the waters by "buying people out" for $30k.
If they decide to sell the space, or start charging to use it, you may wish you had taken the money.
by batpot
Wed Sep 21, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2422

Re: Baby deals

Avoid lifestyle creep in the name of 'what is best' for the children, executed years before the kids need the item in question. Avoid that and kids are actually pretty cheap. We are living this advice right now, and it seems to hold true. What does this mean? Don't buy legos until they're old enoug...
by batpot
Wed Sep 21, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Small smartphone recommendation? Anyone use a BLU?
Replies: 27
Views: 1986

Re: Small smartphone recommendation? Anyone use a BLU?

After my experience with Alcatel, I no longer trust these "budget" phone lines. My 3.5 year old Galaxy S4 is still running wonderfully on Cyanogenmod 13 (a highly customizable and stable Android Marshmallow ROM). My wife's AT&T stock S4 is a dog by comparison. I upgraded my S4 (which I...
by batpot
Tue Sep 20, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: New e-readers?
Replies: 22
Views: 1432

Re: New e-readers?

I can't speak to the kind of device except to say that I've now had two Kindle Fires and I don't like them. The problem isn't battery life or screen appearance or any of those things, those were known to me and I'm OK with them. What has really gotten me annoyed is the "not genuine Android&quo...
by batpot
Fri Sep 16, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Questions for Insurance Salesman on Whole Life Policy
Replies: 59
Views: 3700

Re: Questions for Insurance Salesman on Whole Life Policy

What do you see as the purpose of life insurance? Why would you insure your kids? The only reason to insure life of kids is to provide funeral expenses if you don't have the money. That's all I can think of. $10,000 term policy? this. Insurance is for INCOME REPLACEMENT. That's it. If you lose your...
by batpot
Fri Sep 16, 2016 12:33 pm
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 10
Views: 796

Re: Keeping Verizon Unlimited data Plan

lthenderson wrote:As others said, buy your phone out of their system and transfer your SIM card. However, why? I had an unlimited data plan and by changing to a "limited" data plan which has more data than I ever have used, I saved $75/month on my bill.


This. Are you actually using all of that data?
by batpot
Fri Sep 16, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Baby deals
Replies: 43
Views: 2422

Re: Baby deals

See if your region has a facebook group.
We found a nanny, and my wife has been buying and selling all kinds of things through that channel.
by batpot
Thu Sep 15, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: Monsanto
Replies: 14
Views: 1806

Re: Monsanto

asherfitz wrote:These mega deals always have a break-up fees. It's to pay for all the legal/investment banker expenses and time spent by management reviewing, analyzing and diligencing the deal.


thanks.
by batpot
Thu Sep 15, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Monsanto
Replies: 14
Views: 1806

Re: Monsanto

That is crazy.
Why would Bayer agree to such a thing?
by batpot
Thu Sep 15, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: question on a HELOC vs refi...what about both?
Replies: 1
Views: 158

question on a HELOC vs refi...what about both?

We currently owe about $420k on our primary mortgage. We approached our credit union about a HELOC, and they said they would use the tax appraisal value, currently at $633k, and could loan up to 90% CLTV, so we asked for a $150k HELOC (420+150 = 570 = 90% of 633). They came back saying it had apprai...
by batpot
Tue Sep 13, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: tv tech help plz.
Replies: 1
Views: 192

Re: tv tech help plz.

How is the hard drive connected to the TV?
USB cable?

It sounds like the TV doesn't have the needed audio codec. You may need an intermediary media player that has the proper codecs.
by batpot
Tue Sep 13, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Needlepoint Cold Plasma for Asthma
Replies: 8
Views: 668

Re: Needlepoint Cold Plasma for Asthma

I do not know about that thing, don't care. If there are allergens in the house, get rid of them. That is what I do. yeah...that's exactly what this contraption is designed to do. It sounds similar to an "air cleaner", like this: http://yourhome.honeywell.com/en/products/air-cleaners/f300...
by batpot
Tue Sep 13, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3555

Re: Best Flashlight to keep in home for emergency

I have a couple of these sitting around (last one I picked up for $6 on sale):
https://www.amazon.com/dp/B00NIL1DFO/

also have a radio that is something like this:
https://www.amazon.com/dp/B015ZNKD58/
by batpot
Tue Sep 13, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10566

Re: How much is your cell phone bill?

$0/month 500 texts, 200 minutes, and 500MB each month Freedompop 8-) Tell us more about this! I like the idea of $0. How is the coverage in your area? How's it been in other areas you've taken your phone? I'm using Republic wireless right now for about $18/mo. Coverage is bad, calls get dropped or ...
by batpot
Tue Sep 13, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 164
Views: 10566

Re: How much is your cell phone bill?

$65 for wife & I including taxes
4gb on AT&T Network shared, 250 minutes, but use Hangouts VOIP for most calls
(Consumer Cellular)
by batpot
Tue Sep 13, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 32
Views: 2261

Re: 2016 Murano or 2016 Acura MDX

The main thing I do not like about the Murano's CVT is that the "low gear" setting is not very effective for using engine drag to keep the car going slow down a hill. I don't like using the brakes on a steep snowy hill. The low setting has always worked on other cars but not as well with ...
by batpot
Thu Sep 08, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11549

Re: Who is ready for iphone 7?

kjvmartin wrote:They come with free wired headphones compatible with lightning.


Yeah, there's nothing wrong w/ USB standards, either.
The hubris...

:mrgreen:
http://appleplugs.com/
by batpot
Thu Sep 08, 2016 6:28 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11549

Re: Who is ready for iphone 7?

I've hated this company for its hubris since the iMac.
Now, with their "courage" to require people buy $160 wireless headphones, others are finally starting to recognize it as well, but so many more are just going to line up and take it. :greedy
by batpot
Wed Aug 31, 2016 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76584

Re: What's Your Credit Card Rewards Strategy?

Wife got instantly approved for the CSR. With a very hefty credit line. Just in time, too, cause we need a new shed. :beer Take note, that they do charge and additional $75 on top of the $450 for any additional cards you get. Seems odd, but whatever...I don't need one. I didn't even bother to try, a...
by batpot
Mon Aug 29, 2016 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stopped at the Crossroads
Replies: 21
Views: 3032

Re: Stopped at the Crossroads

echo what others have said. A couple additional thoughts: RE: your pension; assuming state/municipality, and not federal? If federal, I wouldn't worry about it going under, and would milk that 5% interest for all I was allowed. That being said, I may be missing something about how this pension works...
by batpot
Mon Aug 29, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Windows 10 Anniversary Update is an improvement for me
Replies: 34
Views: 2495

Re: Windows 10 Anniversary Update is an improvement for me

was a major downgrade for me.
Touchpad on my laptop is screwed up again, and scrolls in reverse ONLY in the MS interface, start menu, and apps (including edge browser). Have tried 4 different versions of the driver, and none fix the problem.
1st world problems.
by batpot
Thu Aug 25, 2016 4:23 pm
Forum: Personal Consumer Issues
Topic: Should I replace my Samsung Galaxy S4?
Replies: 43
Views: 2387

Re: Should I replace my Samsung Galaxy S4?

Currently I'm seeing prices of $199 for the S4, $229 for the S5 and $424 for the S6 through my provider. If I needed something right away, I'd probably go with the S5 and upgrade to the S7 once it comes down. those prices are outrageous. Don't buy from your carrier, and it might also be worth consi...
by batpot
Thu Aug 25, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 779
Views: 76584

Re: What's Your Credit Card Rewards Strategy?

I'm a rookie here ~ Can I easily transfer my UR points to another person? Easily if they live at the same address. That is completely legal. If you start talking about someone other than living with you, it can bite you in the ass. Heard that Chase is not very kind about that move. http://millionmi...
by batpot
Wed Aug 24, 2016 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Greater than 20% Downpayment
Replies: 8
Views: 1044

Re: Greater than 20% Downpayment

Echo what Da5id said.
But this makes no sense:
bagelhead wrote:One loan officer suggested a lower mortgage rate up to 25% downpayment, which counterintuitively becomes HIGHER with greater than 25% downpayments.

Keep shopping, get multiple quotes, and compare them in excel.
by batpot
Wed Aug 24, 2016 8:47 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7719

Re: What is your system for dealing with coins?

Elsebet wrote:
Deadwood wrote:I dump them in a big mason jar and when its full I head down to the supermarket and use the change counter to get Amazon gift cards


This is exactly what I do. :)


+1, but replace mason jar with wooden bowl.
by batpot
Thu Aug 18, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any smart ways to pay off a credit card?
Replies: 27
Views: 2114

Re: Are there any smart ways to pay off a credit card?

Wow, 7.49% APR is pretty low rate for a credit card.
I just got notified that Chase Freedom is upping to nearly 25%. It's also "variable". :annoyed
Don't really care, cause I'll never pay a cent of it, but you better pay this down quick before they change their terms to something similar.
by batpot
Wed Aug 17, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Best Use of Ultimate Rewards Points
Replies: 109
Views: 11786

Re: Best Use of Ultimate Rewards Points

Has anybody rented a car direct through Chase Ultimate Rewards?
Or likewise rented a hotel?

I'm concerned about getting hit with fees & taxes upon arrival. They didn't seem to be included, and it's not clear at all form the T&Cs.
by batpot
Mon Aug 15, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 299
Views: 39170

Re: Self-made Millionaires: how did hitting 7 figures change you?

A million dollars isn't what it used to be. A "millionaire" is no big deal, depending on your age. It puts you in the 1%. That's a pretty big deal. You are probably more wealthy and well off than 99.9% of persons throughout history. That's a pretty big deal. Maybe globally, but not the to...
by batpot
Thu Aug 11, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 10190

Re: How much vacation time do you get at work?

12 holiday days per year (7 over xmas/new years), and starting at 10 days vacation + 10 days sick leave, but sick leave is use it or lose it. Paid OT. Vacation goes up with years of service to a max of 22 days. Vacation also has a max balance, so some people will often have to take "mandatory&q...
by batpot
Thu Aug 11, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: New BoA CC automatically added to PayPal - how'd that happen?!?
Replies: 5
Views: 663

Re: New BoA CC automatically added to PayPal - how'd that happen?!?

I got rid of the account when paypal started demanding I get a paypal credit card if I wanted to continue using paypal. Wow - I didn't know that. I continue to pay for goods (eBay and merchants) using PayPal. I also receive money from eBay auctions, and also friends thru PayPal. For purchases I use...
by batpot
Thu Aug 11, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Recommend some nice, comfy mens work socks
Replies: 16
Views: 726

Re: Recommend some nice, comfy mens work socks

Another possibility is cotton athletic socks. If you get black ones, no one notices them. until a dozen or fewer washes when they have faded horribly. My recommendation is merino wool, and Darn Tough while pricey, have a lifetime warranty. I'm done with smartwool. And I can't stand acrylic; they ma...
by batpot
Thu Aug 11, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: Job Offer, What Should I Do
Replies: 11
Views: 1273

Re: Job Offer, What Should I Do

Did you sign anything? No harm in continuing to look, it might give you leverage to counter-offer, too. But if you signed something, you need to understand those terms before accepting another position. If you didn't sign anything, the only harm could be "burning bridges", but I don't thin...
by batpot
Thu Aug 11, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Recommend some nice, comfy mens work socks
Replies: 16
Views: 726

Re: Recommend some nice, comfy mens work socks

Is your desk job at a company that owns a chain of Tex-Mex restaurants? If so: http://www.tonsofsocks.com/tapatio.html?utm_source=googlepepla&utm_medium=adwords&id=85360261256&gclid=Cj0KEQjwxLC9BRDb1dP8o7Op68IBEiQAwWggQK4W0-v2UCzDlFKQaquE0Synq5flkuJewA9Kb6F_E9EaAhIY8P8HAQ cotton nylon b...
by batpot
Wed Aug 10, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1809

Re: Should I get a different cassette for my road bicycle? Currently 11-23

yes, OP has a 6600 10 speed.
but jhfenton has a 6800 (or possibly a 5800 105) 11 speed.
by batpot
Wed Aug 10, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Your Credit Score Doesn’t Matter Unless It’s Bad
Replies: 10
Views: 1807

Re: Your Credit Score Doesn’t Matter Unless It’s Bad

once your score is over 740, “it doesn’t matter how much higher your credit score is. You will always be offered the best borrowing terms.” As long as your credit isn’t terrible, you’re going to get the same level of perks at “good” as you will at “excellent.” :( I don't think that's true; I have s...
by batpot
Wed Aug 10, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1809

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Couple of further thoughts: in addition to what Epsilon Delta pointed out, the final sprocket on a cassette is the locking sprocket. So replacing an 11 with a 12 will (could) work if you get a 12 locking (or final) sprocket. The 12 that sits behind the 11 that originally came with the cassette will...
by batpot
Tue Aug 09, 2016 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: flipping houses
Replies: 31
Views: 3362

Re: flipping houses

staythecourse wrote:Who cares if some guy made a BILLION dollars of one deal. The question is can it be reproduced...


I wouldn't need to reproduce a billion.
I wouldn't need to reproduce 1/100th of that.
by batpot
Tue Aug 09, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3187

Re: Cricket Wireless - Selecting a Smartphone

if you're only ever going to do it every 2-3 years, EVERY phone's battery is user replaceable.
by batpot
Tue Aug 09, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1809

Re: Should I get a different cassette for my road bicycle? Currently 11-23

I agree that in your shoes I would probably get a new cassette. I'm actually looking to get an alternate cassette for my tri bike, not for hills, but because there's an unfortunate gap right at my cruising speed. I have a Felt with a 50/34T front and a Shimano 11-speed 11-28T rear. The 34/28 combo ...
by batpot
Tue Aug 09, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best way to choose a mortgage company?
Replies: 13
Views: 1086

Re: What is the best way to choose a mortgage company?

for a house purchase: go to local bank - not credit union - and pay as close to zero closing costs as possible. Once the house is secured, you can refi to the lowest bidder. You don't want to put your earnest money at risk because the lender screws up the paperwork, or is only available M-F 9-5, or ...
by batpot
Tue Aug 09, 2016 2:04 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1809

Re: Should I get a different cassette for my road bicycle? Currently 11-23

I looked up the specs: http://velospec.com:8080/components/shimano/rd6600ss It says the total capacity is 29. So, (50-36) + (27-12) = 29. I think that means that putting a 12-27 puts me at the outer limits of the derailleur. Interestingly, Shimano made an Ultegra 12-27 ten speed in the past but no ...
by batpot
Tue Aug 09, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1809

Re: Should I get a different cassette for my road bicycle? Currently 11-23

It looks like 27 is max recommended for a short cage 6600 rear der, but here is a discussion where some people say you can go to 30T: https://www.reddit.com/r/bikewrench/comments/34ue33/1230_cassette_on_an_ultegra_6600_shortcage/ My experience is that a 12-27 (or 12-28 which should also work) makes...
by batpot
Tue Aug 09, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: Cricket Wireless - Selecting a Smartphone
Replies: 46
Views: 3187

Re: Cricket Wireless - Selecting a Smartphone

Idol 3 is $150 at bestbuy right now. $50 cheaper than buying from cricket, and has marshmallow. The Alcatel Idol 3 has been selling for $139.99 on the Cricket website. It comes with Android 5.0 (Lollipop) while the Idol 4 shown on the same site does come with Android 6.0 (Marshmallow). I read that ...
by batpot
Tue Aug 09, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 1809

Re: Should I get a different cassette for my road bicycle? Currently 11-23

11-28 is pretty standard nowadays, and your rear derailleur will be compatible up to that size. An Ultegra 6700 11-28 cassette is available at a number of online retailers. Are you sure your front crank is not 50/34 or 52/36? Regardless, 28-11+ 50-34(or 52-36) = 33 teeth = even a short cage deraille...
by batpot
Fri Aug 05, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Stats on Americans 'cutting the cable' ?
Replies: 98
Views: 9861

Re: Stats on Americans 'cutting the cable' ?

Psyayeayeduck wrote:For me, I have Netflix, HBO GO, and Playstation Vue. A total cost of $55/mo. Don't need anything more than that.


You left out a critical component: what do you pay for internet?

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