Search found 173 matches

by canderson
Fri Nov 18, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Someone has my Social Security number
Replies: 36
Views: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 4199

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: 3029

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: 2007

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: 3958

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: 34762

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: 1330

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: 1903

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: 14391

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: 14391

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: 10869

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: 39
Views: 2877

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: 4045

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: 4922

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: 4922

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: 5374

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: 5374

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: 2797

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: 2797

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: 2248

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: 2965

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: 1100

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: 9668

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: 9668

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...
by canderson
Tue May 31, 2016 2:58 pm
Forum: Personal Consumer Issues
Topic: backyard for a new house, pavers questions
Replies: 36
Views: 2213

Re: backyard for a new house, pavers questions

I'll be shocked if you're allows by the zoning board to do this. Shocked. I recommend you inside plant a ton of creeping thyme. You will get weeds but you will get weeds with anything. Plus resale will be vastly easier - reselling a house with a paced backyard will be an instant turnoff for more tha...
by canderson
Thu Apr 21, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Need help with finding good projectors for business needs
Replies: 1
Views: 231

Need help with finding good projectors for business needs

I'm fairly good at a/v and IT stuff but I'm beyond lost re: projectors for my business needs. What we're looking for is something small but mighty. A wireless connection would be preferable so we're not having to tote around tons of cables. When we have our big meetings (three times a year, in vario...
by canderson
Thu Apr 14, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: Where to buy athletic socks and boxers online?
Replies: 11
Views: 1437

Re: Where to buy athletic socks and boxers online?

I like tjmaxx or marshalls for socks but generally buy exofficio boxer briefs online. However, for the price, I think exofficio's quality has gone way, way down. I'm searching for an alternative. The waistband elastic has a very short life Same issue here, I've switched to Under Armor's 6" box...
by canderson
Sat Apr 02, 2016 4:00 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with Rocket Mortgage??
Replies: 3
Views: 575

Re: Anyone have experience with Rocket Mortgage??

I work in the mortgage industry, not for a lender but for a very large agency.

We ran after loans through to compare and every single one had at least $3,500 in fees added that no lender we know would charge.
by canderson
Tue Mar 29, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Reasonable priced security camera
Replies: 18
Views: 2762

Re: Reasonable priced security camera

The Wizard wrote:Dropcam is part of Nest cam now?
Owned by Google?

Yes Nest bought Dropcam. A good move IMO, and they've improved their app quite a bit since the purchase.
by canderson
Mon Mar 28, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: Reasonable priced security camera
Replies: 18
Views: 2762

Re: Reasonable priced security camera

Have had Foscam (2 of them) and now have Dropcam (3 of them).

Dropcamnis imo infinitely better. Plus Foscam's are hacked all the time due to Chinese software with gaping loopholes.

For connecting Foscam is not simple and you often need a DYNDNS service (extra $$$).
by canderson
Tue Mar 22, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Hotels in NYC?
Replies: 20
Views: 1908

Re: Hotels in NYC?

We always stay (we love 2.5 hrs but do a few theater weekends a year so do stay overnight some) at the Michelangelo, it's at 51st and 7th. IMO the perfect location.

http://www.michelangelohotel.com/en/
by canderson
Mon Mar 21, 2016 10:15 am
Forum: Personal Consumer Issues
Topic: Removing mildew from vinyl siding
Replies: 25
Views: 2502

Re: Removing mildew from vinyl siding

Our house is 3 stories tall, I have to pay $1,000s for them to professionally clean it.

I wish I could do it myself!
by canderson
Fri Mar 11, 2016 11:08 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 110
Views: 11894

Re: Cities good for living abroad?

Some great reading here!

My input, in order:

Vienna
Tokyo
San Francisco
Heidelberg
Copenhagen
A suburb to the SW of London.
by canderson
Sat Mar 05, 2016 8:50 pm
Forum: Personal Consumer Issues
Topic: Riding Lawn Mower
Replies: 26
Views: 2213

Re: Riding Lawn Mower

Trust me, with that land you want a wider deck.
by canderson
Tue Mar 01, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 87
Views: 6819

Re: File taxes via mail or electronically

Use TurboTax. eFile federal since its built in to the cost of the program. I will print and Mail my PA return since it costs $30 or whatever to eFile to Pa via TurboTax. I wish I could eFile for free in PA but don't think it's possible. We owe to both so I set my filing date for April 15 or the last...
by canderson
Tue Mar 01, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Financing new car
Replies: 28
Views: 3011

Re: Financing new car

We would take the relatively free money and finance some and pay cash for the rest. When we bought our 2013 RAV4 brand new, we put down $13,000 and financed the remedy with USAA on a 36 month/.79% rate loan. It'll be paid off in full next month. I see no reason to never take what is essentially a fr...
by canderson
Tue Feb 23, 2016 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Finding out about a kid 17 years after the fact
Replies: 59
Views: 10665

Re: Finding out about a kid 17 years after the fact

MarkBarb wrote:I'd have my scam detector turned up to 11.

My exact thought.

This sounds like a straightforward scam, i's dotted and t's crossed.

17 years hidden, only to be told when adulthood hits, rings to me like the start of a human trafficking scam.
by canderson
Tue Feb 23, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 7134

Re: What kind of car do you drive?

2013 Toyota RAV4 Limited It actually just hit 29,000 miles this morning. I can't drive so we too are a single-car household. We put $15,000 down and financed the rest for 3 years, 0% interest. It'll be paid off in May. Since it is our only car reliability is key so we will keep it until 6-7 years / ...
by canderson
Wed Feb 10, 2016 10:38 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 48
Views: 5016

Re: New Washer - Frontload or HE Top Load

Our washer is 11 years old so I'm preparing mentally to replace it. Our laundry room is on the second floor and the current washer (a Whirlpool top loader basic model with agitator) is loud and shakes and vibrates the floor so when downstairs in our living room it's loud and annoying. Do the new HE ...
by canderson
Sun Jan 31, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Home security system - cost to convert from landline to cellular
Replies: 11
Views: 2262

Re: Home security system - cost to convert from landline to cellular

We have Guardian and they switched us for free, actually, Theveervice is an extra $3/month but that was much cheaper than the monthly landline fee.
by canderson
Sat Jan 23, 2016 2:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 6766

Re: Hope everyone is well [Preparing for Eastern US blizzard]

27" here a tick SW of Harrisburg, PA. Still heavy snow, biggest snowstorm in history passing 1983.

Go to advanced search