Search found 209 matches

by canderson
Sat Feb 17, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: USAA 41% More For Car Insurance
Replies: 43
Views: 2441

Re: USAA 41% More For Car Insurance

As always, a lot of very interesting, insightful responses. My biggest surprise was the comments about different rates for different military pay grades. I'm an honorably discharged E-5 that served 50 years ago and my lot in life has certainly changed considerable since then. I'm a bit surprised th...
by canderson
Wed Feb 07, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2620

Re: Best BBQ in Austin

Hnstiy it’s hard to beat Cooper’s that’s now downtown. No standing in lines, convenient, etc.
by canderson
Sat Feb 03, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Sally Mae money market: any experiences? (looking to store cash)
Replies: 6
Views: 497

Re: Sally Mae money market: any experiences? (looking to store cash)

Thank you both. Sounds like a no-brainier vs Ally then.
by canderson
Fri Feb 02, 2018 9:56 pm
Forum: Personal Consumer Issues
Topic: Sally Mae money market: any experiences? (looking to store cash)
Replies: 6
Views: 497

Sally Mae money market: any experiences? (looking to store cash)

I am getting a 5 figure check next week from an inheritance. I have plans to use this money within the next two years to purchase a vision tool for myself (I’m legally blind) that is around $15,000. Because of this, I’m looking to put it in Sally Mae’s money market that yields 1.45%. Anyone used the...
by canderson
Wed Jan 17, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 41
Views: 1749

Re: London/Paris Trip Questions

DO NOT purchase the London Pass. You will not get value out of it and it’ll make you fly site to site without actually experiencing them. ATMs there for cash withdraws, you don’t really need much cash before you arrive. That gives you a better rate than any other way to get local currency. Taking c...
by canderson
Sun Jan 07, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?
Replies: 20
Views: 1412

Re: Availability of parking at Shade Grove Metro Station (D.C) around 9am tomorrow?

It’s very unlikely.

Plus tomorrow will feature a pretty nasty little ice storm for the commute home. Going to be a rough day here in the midatlantic.
by canderson
Wed Dec 27, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Suggestions for week long trip in July 2018
Replies: 4
Views: 404

Re: Suggestions for week long trip in July 2018

How about a 7 day Alaska cruise from Seattle?
by canderson
Tue Dec 19, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Hotel $50-500/night Expectations
Replies: 44
Views: 3062

Re: Hotel $50-500/night Expectations

This is highly dependent on country/city. $500 in NYC can get you a run of the mill Marriott/Hyatt but we paid $289/night last week in Berlin for the Regent. That same Regent if in NYC would push $800+/night easy.
by canderson
Mon Dec 11, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Kerosene Heater (for power-out emergencies)
Replies: 33
Views: 1911

Re: Kerosene Heater (for power-out emergencies)

Kerosene heaters are illegal in many, many, many municipalities. If you are looking into one, first make sure they’re even allowed.
by canderson
Wed Dec 06, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1899

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

For a carryon: No wheels > 2 wheels > 4 wheels
by canderson
Thu Oct 19, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Pant Recommendations (Business Casual)
Replies: 42
Views: 3031

Re: Pant Recommendations (Business Casual)

No pleats, just no.
by canderson
Mon Oct 02, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Update (again): Amazon "Cyber Monday Deal": Instant Pot 6-qt $74.99 (Cyber Monday-Nov 27)
Replies: 36
Views: 4417

Re: Amazon "Deal of the Day": Instant Pot 6-qt $69.99 (Mon, Oct 2)

Heard a lot about how great these are and my rice cooker just died so perfect timing. Maybe I can dump my old crock pot too.

Thanks, OP!
by canderson
Wed Sep 27, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 3078

Re: High end cruising suggestions.

Pick up the latest edition of "Berlitz Cruising and Cruise Ships". Every cruise line is expertly reviewed as are each individual ship within each line. While once true this is no longer the case. Berlitz is horribly off track and has many, many factual errors today. Once the originator passed away ...
by canderson
Tue Sep 12, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 28510

Re: Iphone X is $1000

People pay $150/month to watch TV. The phone can do that plus an insane amount more.

It actually can be argued about a bargain.

Years and years of carrier-subsidized phones incorrectly shaped out view of small computer pricing.
by canderson
Thu Aug 31, 2017 10:19 am
Forum: Personal Consumer Issues
Topic: Hurricane Harvey relief?
Replies: 42
Views: 3698

Re: Hurricane Harvey relief?

https://operationbbqrelief.org/

They are a group of competition bbq teams that head out to places in times of need. They can put out upwards of 10,000 meals a day to both workers and the victims.
by canderson
Tue Aug 08, 2017 3:54 pm
Forum: Personal Consumer Issues
Topic: Replace car battery after X years or wait till it dies?
Replies: 124
Views: 14719

Re: Replace car battery after X years or wait till it dies?

If you own a Toyota, the original battery will most likely die 38 months in.

We had ours die on our 38 month old RAV4 last weekend and the AAA guy said he replaces about 10/week that are all the same age.
by canderson
Sat Jul 29, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12412

Re: Your "at peace" moments.

Sitting in a baseball stadium watching the game. Doesn't matter the league, stadium, team, etc.

But the most at peace I'll ever be is on a ship in the middle of the ocean watching the sun set. It is magic.
by canderson
Sun Jul 09, 2017 5:55 pm
Forum: Personal Consumer Issues
Topic: September short trip ideas
Replies: 32
Views: 2689

Re: September short trip ideas

If you truly don't don't want to break the bank, you can eliminate Norway immediately. It's one of the most expensive places on earth. London would be perfect imo - shortiish flight, good exchange value at the moment, lots to do for free or very inexpensively. No language barrier and easy to do last...
by canderson
Sat Jul 08, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 37
Views: 3650

Re: Luggage recommendation

I strongly advise against a 30" suitcase as keeping it under the weight threshold is virtually impossible.

I can travel 10 days in my eBags weekender backpack. I'd advise you to look for something 24-25" if you must go above carry-on size.
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: 424

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: 424

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: 64
Views: 16003

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: 1172

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: 1172

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: 657

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: 3113

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: 1626

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: 6517

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: 808

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: 808

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: 808

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: 20345

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: 3174

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: 1776

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: 3375

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: 4102

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 5692

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: 4611

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: 2637

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: 5016

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

Yes, two.

AmEx Blue Cash Preferred- $95
Chase Sapphire Reserved - $450