Search found 190 matches

by canderson
Tue Jun 20, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: Seeking help on deciding between two insurance plans
Replies: 3
Views: 244

Re: Seeking help on deciding between two insurance plans

I currently have medical insurance through my employer. I pay $899 annually for this plan but have the opportunity to go on my wife's insurance for free (she pays a flat 2% salary fee regardless who is on her plan). Vision/dental are separate and not part of this choice. The main differences: - My ...
by canderson
Mon Jun 19, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Seeking help on deciding between two insurance plans
Replies: 3
Views: 244

Seeking help on deciding between two insurance plans

I have a choice between two competing health insurance plans and, since I value the brainpower and logical viewpoint of Bogleheads more than anyone else, thought I'd get feedback on my best choice. I currently have medical insurance through my employer. I pay $899 annually for this plan but have the...
by canderson
Tue Jun 13, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 57
Views: 6418

Re: Suits: best bang for your buck?

How do Suit Supply suits fit non skinny guys?

I'm not huge but am 5'10" with a 34 waist and 44 jacket. I get the impression it's for thin guys only (which I'm working on but it'll take tome).
by canderson
Sun Apr 23, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Laundry closet: Can we convert to stackable washer/dryer?
Replies: 6
Views: 707

Re: Laundry closet: Can we convert to stackable washer/dryer?

Are you planning on storing linens in the other half of the closet? I don't think that's a good idea because of the moisture/steam that can be generated. Don't you need ventilation around those appliances? What do the proposed appliance owner's manuals say about clearance all around? Probably not a...
by canderson
Sun Apr 23, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Laundry closet: Can we convert to stackable washer/dryer?
Replies: 6
Views: 707

Laundry closet: Can we convert to stackable washer/dryer?

Our house has no linen closet and a 2nd floor laundry closet. The closet is wide and shallow with accordion bifold doors. Is it possible and fairly affordable easy to convert a side-by-side washer and gas dryer setup to a stackable setup? We are due for new appliances sooner rather than later (12 ye...
by canderson
Sun Apr 23, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Wifi Camera for Google Wifi
Replies: 2
Views: 456

Re: Wifi Camera for Google Wifi

Nest or Arlo.

I'm partial to Nest.
by canderson
Sun Apr 16, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Grass is always greener!
Replies: 16
Views: 2878

Re: Grass is always greener!

You'll very likely save time and in the long run money to kill what you have and resod from scratch.

More work, of course.
by canderson
Sun Apr 09, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Planning Scandinavia trip
Replies: 18
Views: 1359

Re: Planning Scandinavia trip

Eliminate Copenhagen - it's not worth the extra time and effort to get there given your short trip.
by canderson
Sat Mar 04, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5557

Re: Windfall: should we pay cash for ~$1.3M home?

I would personally opt to finance after a larger down payment (maybe 40%, just spitballing), because current rates are likely beatable longterm on the market.
by canderson
Fri Feb 24, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099B - when is it safe to import for taxes?
Replies: 9
Views: 608

Re: Vanguard 1099B - when is it safe to import for taxes?

livesoft wrote:Why not just file for an extension, then file for real in October?

I'm weird and want it just done with. :)
by canderson
Fri Feb 24, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099B - when is it safe to import for taxes?
Replies: 9
Views: 608

Re: Vanguard 1099B - when is it safe to import for taxes?

TomatoTomahto wrote:Are all the shares covered (i.e., purchased 2012 or after)?

Yes, just reinvested dividends. I have sold some shares to move into a Roth if that matters.

I should add it's now a brokerage account.
by canderson
Fri Feb 24, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard 1099B - when is it safe to import for taxes?
Replies: 9
Views: 608

Vanguard 1099B - when is it safe to import for taxes?

I know 1099Bs can change after reporting. My question is when is it safe to download/import them and file taxes? Now? Late March?

We are traveling early April through the end of the month and want to file before then. We always owe a bit so it'll help cash flow planning.
by canderson
Fri Feb 10, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 17430

Re: Why do you go to restaurants?

Pick better restaurants.

If you eat in the right restaurants the food will be better than you can make and the service is icing on the cake.
by canderson
Sun Jan 29, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2750

Re: Fire extinguishers

Ours are very old and probably due updating.

Any advice on which to buy? Should a kitchen one be different than one in a bedroom? I'm totally lost on fire suppression.
by canderson
Sat Jan 28, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Hamilton Tickets
Replies: 7
Views: 1625

Re: Hamilton Tickets

Ticketmaster has a very easy system that allows transfers or resells.

I've done both with no issues. You'll have zero issues getting rid of these.
by canderson
Fri Jan 27, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Are two in one Washer/Dryer combos a thing?
Replies: 17
Views: 2415

Re: Are two in one Washer/Dryer combos a thing?

As mentioned, the dryers on these has to date been subpar due to current load issues.

Whirlpool has announced a new one that should correct the dryer issue: http://www.digitaltrends.com/home/whirl ... -ces-2017/
by canderson
Thu Jan 12, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 3534

Re: Home heating options

Some great suggestion here. I have two:

1) look into passive construction; the impact it makes on heating/cooling is astronomical
2) see about dual fireplaces that can run on the fuel source and also be used to burn real wood.
by canderson
Fri Nov 18, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

Any suggestions for the most economical way to continuously check my reports now that I've exhausted the freebies?

USAA has a $12/mo option for each report once a month. I want to keep checking for activity.
by canderson
Tue Nov 15, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

Thanks, all. An update: - Freeze on all three credit reports - IRS notification form ready for mailing tomorrow - Vanguard voice activation set up - IdentityTheft.gov account created, affidavit printed - Contacted all companies to date where inquiries were showed. All reported as fraud, all said the...
by canderson
Tue Nov 15, 2016 11:26 am
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

Thank you everyone. Freezes set for all 3 reports, hadvto call Equafax and Experian to set up. Equafax is horrible to deal with fwiw. I'll get my IRS pin sorted later today. Great advice about the police report! I'll call the AmEx city address that's on the credit report since my local PD isn't help...
by canderson
Mon Nov 14, 2016 10:56 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

Credit freezes -- well credit unions are in the business of selling your credit reports -- so they really don't like that. Hence if you say you qualify for a free freeze due to fraud, they want you to jump through hoops to prove it. So I'd pay the $10 for the regular freeze. Did that a long time ag...
by canderson
Mon Nov 14, 2016 10:17 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

So credit bureaus suck. I easily put a freeze via TransUnion. Equifax asks for credit card info but the page has no boxes to enter this so you can't continue. My report with them lists two other inquiries - WalMart and JCPenney. Experian took my money, charged my AmEx, then displays a page saying my...
by canderson
Mon Nov 14, 2016 8:57 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

I do wonder how CapOne and Citi got your phone number to call. Neither of them would have my phone number. I specifically asked; they pull via open records on your actual credit report. I've never had a CapOne or Citi account either so no other way fir them to get my phone number. Ahd fwiw I verifi...
by canderson
Mon Nov 14, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

CapitolOne and Citi both said they'd file for the inquiry to be removed from my report, said it can take 90 days to 6 months.

The bank (its a credit union) however says I'd need to dispute it. I can't dispute via TransUnion inquiries, only open lines if credit. Any ideas on how to do that?
by canderson
Mon Nov 14, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

Open up a binder and make separate files for each fraudulent account. Get everything on paper, print it out, file it. No it won't impact existing use of credit cards/etc. But seriously follow-up on all recent credit pulls on your credit report - you may find other accounts open in your name, but th...
by canderson
Mon Nov 14, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

Sorry for your trouble! You can apply for a new S.S. number. https://www.ssa.gov/ssnumber/ Tell the IRS, too. People submit fraudulent tax returns. Good luck! Great link, thanks for sharing. I've done each of those things except contact the IRS. I will do that tomorrow. I tried with a police report...
by canderson
Mon Nov 14, 2016 8:13 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Re: Someone has my Social Security number

File a police report? Freeze your credit reports? I tried to file a police report, they were less than cooperative. They said I need physical documentation from CapitalOne I was a victim of fraud. I have no physical,paperwork, just my credit report inquiries. I was told that won't work. I have a fr...
by canderson
Mon Nov 14, 2016 7:11 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4748

Someone has my Social Security number

Saturday morning I received a call from Capitol One asking to confirm info on a credit card app. I didn't request any card. Their fraud team told me to put a fraud alert on my three credit reports, which I've done. I saw on the reports the person tried to get a personal loan through a Dallas credit ...
by canderson
Thu Nov 03, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Dress shoes
Replies: 33
Views: 4085

Re: Dress shoes

Clarks Unstructured.

Thank me later.
by canderson
Thu Oct 20, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2365

Re: What iPhone podcast application do you use?

Overcast is worth it simply for its speed settings. It can cut 6 minutes off an hour podcast without you noticing.
by canderson
Sun Oct 02, 2016 7:14 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 4467

Re: Credit cards that have annual fee's, do you have any?

Yes, two.

AmEx Blue Cash Preferred- $95
Chase Sapphire Reserved - $450
by canderson
Fri Sep 23, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 39758

Re: The Bogleheads' "100 Things Worth Every Penny" List

1) Nice hats (fedoras, newsboys, flat caps)
2) Goood tires
3) Paying others to do work at home that would cause my stress (hanging blinds, new floors, etc)
4) Good shoes - price doesn't matter when it comes to comfortable shoes.
by canderson
Fri Sep 16, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 1656

Re: Where Do BHs Register Business Web Domains?

Name cheap by far.

GoDaddy is evil.
by canderson
Sun Aug 14, 2016 10:28 pm
Forum: Personal Consumer Issues
Topic: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base
Replies: 21
Views: 2231

Re: 2016 Toyota Rav4 Hybrid vs 2016 Honda Pilot base

The size difference between these SUVs is very large. They are not comparable.
by canderson
Sun Aug 14, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 16739

Re: Best Crossover SUV to purchase

Since the door appears to be open to anything, why not the new Jaguar SUV? http://www.wsj.com/articles/jaguar-gets-into-the-suv-game-at-long-last-1470935568 :P Last weekend I stopped by our Jag dealer to look at this actually. A $54,000 car should have a padded armrest. The F-Pace doesn't. Sharp ca...
by canderson
Fri Aug 12, 2016 9:34 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 16739

Re: Best Crossover SUV to purchase

We LOVE our 2013 RAV4. Love, love. Chose it over the CRV, Q5 and Forester. CRV idle issue annoyed me to no end. Forester was nice but the seats to us were very uncomfortable. Q5 too $$$$$. I felt genuinely unsafe when we test drove the CX-5, I was scared to merge on the interstate because it had the...
by canderson
Thu Aug 11, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: How much vacation time do you get at work?
Replies: 155
Views: 12632

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

In 3rd year:

8 personal days
20 vacation days
28 sick days

All carry over except personal.

At 5 years it goes up a week for each level. No idea why they separate personal and vacation, there are no differing usage rules aside from carry over,
by canderson
Tue Jul 05, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: When to proactively replace water heater
Replies: 60
Views: 6468

Re: When to proactively replace water heater

Is it possible to insert a drain pan under an existing gas water heater n a small upstairs closet?
by canderson
Mon Jul 04, 2016 6:37 pm
Forum: Personal Consumer Issues
Topic: replacing an iPhone, first time with the "new non-subsidized model"
Replies: 48
Views: 4745

Re: replacing an iPhone, first time with the "new non-subsidized model"

The AT&T Next plans are interest-free loans. Next 24 for us made the best sense.
by canderson
Mon Jul 04, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 5509

Re: Your Favorite Factory Tours?

Anyone mentioning Hershe hasn't been in years.

They only make Kisses here now and you'll be miles from that factory. The 'tour" is an exhibit for entertainment only.
by canderson
Fri Jul 01, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 5509

Re: Your Favorite Factory Tours?

Not a factory, per se, but I enjoyed my visit to the flower auction and distribution center near Amsterdam. It's in what is one of the world's largest industrial buildings, and the sheer scale, smells, and technical innovation was very impressive. You can actually watch the traders bid for lots of ...
by canderson
Sat Jun 18, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 6402

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

I'd first before anything else take it to another Lexus dealer, even if it's not close to you. It sounds like an incompetent/lazy service setup. At the new dealer I'd tell them the whole story, including the former dealer's incompetence. We will be returning to Florida. I will plan to make contact ...
by canderson
Sat Jun 18, 2016 7:39 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 6402

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

I'd first before anything else take it to another Lexus dealer, even if it's not close to you. It sounds like an incompetent/lazy service setup.

At the new dealer I'd tell them the whole story, including the former dealer's incompetence.
by canderson
Thu Jun 16, 2016 8:00 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 3279

Re: Recommendation for Refrigerator

As my friend who is an appliance repairman said to me last week, "They all suck. Get one with limited features because they'll be cheaper to repair and pull be less mad when it dies in 6-8 years." canderson, I read somewhere that they stop producing spare parts for refrigerator older than...
by canderson
Thu Jun 16, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 3279

Re: Recommendation for Refrigerator

As my friend who is an appliance repairman said to me last week, "They all suck. Get one with limited features because they'll be cheaper to repair and you'll be less mad when it dies in 6-8 years."
by canderson
Mon Jun 06, 2016 2:29 pm
Forum: Personal Consumer Issues
Topic: people using my email address for their various accounts
Replies: 17
Views: 2527

Re: people using my email address for their various accounts

I get this A LOT. Like multiple times a day. I also get people sending me money via PayPal or mortgage papers or divorce lawsuits. All sorts of stuff. My address is a very very short @gmail one I got since I did some work for them prior to gmail even existing. The worst is the ones who sign up for p...
by canderson
Sun Jun 05, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Dallas BBQ/TexMex Restaurants
Replies: 51
Views: 3317

Re: Recommendations for Dallas BBQ/TexMex Restaurants

Barbecue: Pecan Lodge
Tex-Mex: Herrera's, Avila's, Manny's Uptown.

/end discussion :)
by canderson
Thu Jun 02, 2016 6:24 pm
Forum: Personal Consumer Issues
Topic: Burying a St Joseph's statue to sell a home
Replies: 11
Views: 1296

Re: Burying a St Joseph's statue to sell a home

Our Realtors did this when we tried to sell our home in 2009.

It's still there in the ground and we're still here in this house, so there's that.
by canderson
Thu Jun 02, 2016 6:22 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 11576

Re: Would you pay 6x face value to see Hamilton on Broadway?

For what it's worth LMM will be leaving Hamilton July 9, according to many, many reports.
by canderson
Tue May 31, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 11576

Re: Would you pay 6x face value to see Hamilton on Broadway?

Definitively not. The main cast (LMM, Odom and likely Soo) will be leaving in mid July and secondary prices I bet fall a bit. But just sign up on their website to get an email when tickets go on sale. If you have an AmEx you can buy ahead of the public and you'll get them at face value. We saw Hamil...

Go to advanced search