Search found 69 matches

by investor4life
Wed Dec 06, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10663

Re: Do people still use AAA?

I've had AAA for a long time and use their services occasionally. Membership is more or less free for me once I factor in the hotel discounts and the $50 reward checks that my AAA credit card cuts me every few months (which I can apply towards membership). If you have Sprint, then they pay your basi...
by investor4life
Tue Nov 28, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Kidde fire extinguisher recall
Replies: 37
Views: 2859

Re: Kidde fire extinguisher recall

Thank you for posting! I was planning to replace mine as it was getting old, but now I get a new one for free.

This forum is worth its weight in gold (er... bitcoin :)). So much useful info. over the years!
by investor4life
Thu Nov 02, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Google Backup and Sync
Replies: 2
Views: 436

Google Backup and Sync

Now that Google's Backup and Sync service has been available for a few months, I'm curious to hear of the experience of those here who are using it. I'm looking into this as a possible backup option of sorts, now that CrashPlan has exited the consumer market. I realize that Backup and Sync is not a ...
by investor4life
Sat Oct 21, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Experian Dark Web scan
Replies: 36
Views: 4364

Experian Dark Web scan

Experian is advertising this heavily: A free scan of the so-called dark web to see if your info (specifically email id) is floating around there. (https://www.experian.com/consumer-products/free-dark-web-email-scan.html) Of course, as the fine print says there is a small catch: You consent to Experi...
by investor4life
Sat Oct 21, 2017 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 5225

Re: Paying for medical school for son?

We paid for our daughter's medical school. It was not cheap but we were in a position where we could afford it. Our reward was knowing that she would be able to start the tough road to residency, and later a fellowship, without having to worry about student loans. (We also paid for her undergrad.) S...
by investor4life
Tue Oct 17, 2017 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Apple Pay and CVV number
Replies: 7
Views: 998

Re: Apple Pay and CVV number

We have used our Apple Pay at a local gas station and we had to enter the CVV. Only time we've been asked for it. Where in your phone did you find the CVV for the card that is on Apple Pay? I have not been able to find this. When I used Apple Pay, I tried using the CVV number on the corresponding p...
by investor4life
Mon Oct 16, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: New Garage Doors
Replies: 31
Views: 4136

Re: New Garage Doors

Just FYI, Costco offers Amarr garage doors, installed by your local Amarr dealer. There's a 15% Costco cash back offer through 10/29 to go with it. I don't know much about this brand but would be interested in hearing about peoples' experience, both with this brand and with going the Costco route. (...
by investor4life
Mon Oct 16, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay and CVV number
Replies: 7
Views: 998

Apple Pay and CVV number

A few days ago, I was shopping for a product at a local merchant but they didn't have it in stock. They ordered it for me in-store from their online catalog and I used Apple Pay to pay for it at the checkout register. After my phone went "ping", the cashier asked me for the 3-digit CVV number (first...
by investor4life
Thu Oct 12, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 44
Views: 3707

Re: Antivirus Software Recommendations

Norton Security Suite (free from Xfinity if you have internet service through them). It has a suite of programs called Constant Guard that's pretty comprehensive and has worked well for me for many years, on Windows 7. No antivirus or anything on MacOS. Updated with a review link: https://www.pcmag....
by investor4life
Thu Oct 12, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin: What is it, in Plain English
Replies: 116
Views: 18825

Re: Bitcoin: What is it, in Plain English

Here are a bunch of relatively easy-to-understand articles on Bitcoins and blockchain technology that, taken together, make for some fascinating reading.

https://spectrum.ieee.org/static/specia ... hain-world


Enjoy!
by investor4life
Tue Oct 10, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Security
Replies: 66
Views: 6978

Re: Fidelity Security

I see that Fidelity's Symantec VIP 2FA app can only be installed in one place at a time (phone, laptop, desktop, whatever). This makes sense since you don't want the possibility of conflicting codes. But am I correct in assuming that doesn't restrict you to one device? For example, if you have the ...
by investor4life
Thu Sep 28, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Tailor made shirts
Replies: 11
Views: 1455

Re: Tailor made shirts

Came across this just yesterday: https://www.mtailor.com/

No idea how good it is but the idea is intriguing. A couple of reviews that I saw online are positive, too.
by investor4life
Thu Sep 28, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7257

Re: Innovis and ChexSystems freeze confirmation letters

Froze Innovis and ChexSystems on 9/13. Got Innovis letter on 9/26. Nothing yet from ChexSystems.
by investor4life
Wed Sep 27, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: I have an idea I want to bring to market
Replies: 30
Views: 1860

Re: I have an idea I want to bring to market

George Foreman swears by inventhelp.com.
by investor4life
Fri Sep 22, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1452

Re: Credit Freeze? One last step I'm taking

FidSafe sounds interesting. However, buried in FidSafe's Terms of Service is the following: "Examples of “legal process” include but are not limited to a subpoena, warrant, government request for information, forfeiture, or seizure, injunction, or restraining order. You generally will not be notifie...
by investor4life
Thu Sep 21, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Entering password before versus after one-time code--pros/cons
Replies: 1
Views: 257

Entering password before versus after one-time code--pros/cons

Most secure websites that I log into have the following access sequence: username, then password, then one-time code (2FA). However, I have noticed that some have the following sequence: username, one-time code, password. It seems that the latter is a better approach, particularly if the username is...
by investor4life
Wed Sep 20, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30486

Re: Is a security freeze at Innovis really needed?

Thanks for the info about Ally CDs. I was wondering the same and had posted about this a few days back.
What exactly does Ally mean by a "Global Lift"? A lift at all major CRAs (Experian, Equifax, TransUnion) or just at ChexSystems?
by investor4life
Fri Sep 15, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 213
Views: 15733

Re: Postal Service -- "informed delivery"

Looks useful. But...the FAQ has this sentence under how the method works: "Informed Delivery allows users to take action before important items reach their mailbox, while offering mailers an unprecedented opportunity to engage users through synchronized direct mail and digital marketing campaigns." ...
by investor4life
Fri Sep 15, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6822

Re: Wiki article - Credit freeze

The Consumer Financial Protection Bureau (CFPB) has a list of ALL the credit reporting agencies out there. I found this on Krebs on Security.

http://files.consumerfinance.gov/f/2016 ... panies.pdf

This is current as of January 2016.
by investor4life
Fri Sep 15, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 49
Views: 6822

Re: Wiki article - Credit freeze

Thank you, LadyGeek! The wiki is a great idea and is looking pretty good already. It'd be helpful to include a section that lists the specific credit reporting agencies that are checked by different creditors, at least the major ones (e.g., Chase checks with X and Y, AMEX with X and Z, etc.), so tha...
by investor4life
Wed Sep 13, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 12080

Re: Anyone else freeze their credit score?

Froze all five today. Had fingers crossed but it went off (mostly) without a hitch. Relatively speaking, TU was the most tedious one--took a while to find the freeze page (they've buried it in favor of TrueIdentity) and then got a "busy, try later" message several times. Finally, got access, then ha...
by investor4life
Wed Sep 13, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 12080

Re: Anyone else freeze their credit score?

Today's NYT has a useful article on all this, including why/how long Equifax will offer free freezes, info. on TrueIdentity from Trans Union, etc. But most interesting is that there may be a service in the works to freeze at all 3 major services in one fell swoop (something that I was wondering abou...
by investor4life
Tue Sep 12, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 2176

Potential downsides of placing a credit freeze?

For those of you who have had a credit freeze in place for some time, say, a year or two (not over the past few days in response to the Equifax fiasco): Have you experienced any unexpected problems, like being denied a service? Something that caused a delay due to having to lift the freeze. I am not...
by investor4life
Tue Sep 12, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 12080

Re: Anyone else freeze their credit score?

Some questions about a credit freeze: 1. Do I have to lift the freeze each time I want to request a free credit report from annualcreditreport.com? 2. Besides the following activities, what others would necessitate lifting a freeze?: Applying for a credit card, opening a bank account, opening a brok...
by investor4life
Sat Jul 15, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: AMEX Personal Savings has finally stepped up its game
Replies: 2
Views: 963

AMEX Personal Savings has finally stepped up its game

AMEX Personal Savings took its time but has now upped its savings rate to 1.15%, matching Ally.
by investor4life
Sun Jul 09, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: Audi Extended Warranty
Replies: 1
Views: 383

Audi Extended Warranty

A few years ago, I bought an extended warranty (EW) online for my Toyota from an out-of-state dealer and saved about 40% over what my local dealer wanted. This time around I'm hoping to do the same with Audi. Any recommendations of Audi dealers anywhere in the country from whom you've gotten a good ...
by investor4life
Wed Jun 28, 2017 11:20 pm
Forum: Personal Consumer Issues
Topic: Stupid Security Questions
Replies: 46
Views: 4535

Re: Stupid Security Questions

Random, nonsensical answers are great except when you don't have the option. Case in point: United Airlines, which makes you pick the answer to each question from a fixed menu of options. Favorite music? Rock, Jazz, Easy Listening, Country, etc.
by investor4life
Tue Jun 13, 2017 11:28 pm
Forum: Personal Consumer Issues
Topic: Watch Batteries
Replies: 53
Views: 3482

Re: Watch Batteries

When we bought DW's watch (a battery-operated Citizen) in 2004 at a mall jewelry store, we got a lifetime battery replacement plan for a small upfront payment of $12.95. It's paid off for itself many times over. Just replaced the battery for the sixth time last week. In fact, the original seller was...
by investor4life
Mon Jun 05, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to TD Ameritrade
Replies: 20
Views: 1582

Re: Schwab to TD Ameritrade

They are both very good. Be aware though that, unlike Schwab, TDA does not offer 2FA for logins, using the secret question thing instead (at least AFAIK). If you try to change critical info., like username or password, then they will send you a 2FA code.
by investor4life
Tue May 30, 2017 11:43 pm
Forum: Investing - Theory, News & General
Topic: Does your username at fidelity.com get hidden?
Replies: 12
Views: 1087

Does your username at fidelity.com get hidden?

Up until about a month or so ago, my username at fidelity.com would get replaced by *** (except for the last few characters) when I moved to the password field. I guess this was some sort of "security feature". Anyways, this no longer happens--the full username continues to be displayed. I'm curious...
by investor4life
Thu Apr 20, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1698

About lawn sprinkler sytem

I'm planning to have an automatic lawn sprinkler system installed this Spring/Summer. What are some of the brands to consider and to avoid, for sprinkler heads, valves, master controller etc.? (I assume mix-and-match is not a good idea?) Also, what's a ballpark for cost if in the Midwest? My yard is...
by investor4life
Mon Apr 17, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 4356

Re: New HVAC - Assessing Quotes?

Try Costco (Google for "Costco furnace and a/c replacement"; I'd post the URL but it gets mangled). They offer Lennox through various dealers. The fact that the installers are vetted by Costco gave us some peace of mind when we replaced ours last Fall. Installation was top-notch and furnace is perfo...
by investor4life
Sun Mar 26, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally vs Discover
Replies: 20
Views: 5346

Re: Ally vs Discover

Ally does have 2FA. It's somewhat random though in the sense that it will sometimes send you a code and sometimes log you right in (even if you have selected the option where it should always treat your computer as a "public" computer). I find this disconcerting and have had numerous conversations w...
by investor4life
Sat Mar 25, 2017 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 28716

Re: Capital One 360 $200 bonus

OK, so I signed up for the Capital One 360 account and $200 bonus and am waiting for funds to transfer from an external account. The signup process was easy--in fact too easy in the sense that nowhere was I prompted to set up security questions or 2FA. Nor was I informed about the SwiftID feature (w...
by investor4life
Thu Dec 22, 2016 12:17 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 75
Views: 10110

Re: Water Heater Install $1,800!

Had a 50 gallon gas water heater (Rheem) installed by Home Depot in August 2015. $1075.87 out the door, including disposal. Install was in basement and they had to negotiate two flights of stairs, including a 90-degree turn. All done with a single phone call to HD. Great product and service.
by investor4life
Thu Dec 01, 2016 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery
Replies: 9
Views: 1032

Re: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery

Yes, good points. My calculation is off, as dodecahedron has noted. Hopefully, the OP can plug in the numbers relevant to his/her situation and reach the proper conclusion.
by investor4life
Thu Dec 01, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery
Replies: 9
Views: 1032

Re: Open enrollment period - HSA or no-HSA insurance - with upcoming surgery

Here is a rough calculation: Assumptions: Surgery costs 10000 (all in-network), you contribute the max of 6750 to your HSA (IRS-allowed max of 7750 less employer contribution of 1000), and (for the sake of concreteness) your federal+state tax rate is 35%. Also assuming premiums are paid pre-tax (as ...
by investor4life
Thu Mar 31, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Living in/near New Haven CT
Replies: 21
Views: 2220

Living in/near New Haven CT

DD will be moving to a new job in New Haven mid-summer. We are looking at living options. Rent budget is about $1500-1700/month for a 1-bedroom apt. We have heard that parts of New Haven are to be avoided (rough neighborhood etc.) For those familiar with the area: 1) What are the parts of New Haven ...
by investor4life
Sun Jan 31, 2016 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Two questions about UTMAs
Replies: 2
Views: 384

Two questions about UTMAs

I had put money in a UTMA a/c for my son a while back. He is no longer a minor, so he controls the funds now. They have appreciated in value since the initial investment. We are wondering about the following: 1) How does he go about gaining access to and withdrawing the funds? They are currently inv...
by investor4life
Mon Jan 25, 2016 11:42 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 15846

Re: What is your favorite Financial Quote or Metaphor??

The best way to make a small fortune in the stock market is to start with a large one.
by investor4life
Mon Jan 25, 2016 11:38 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 19355

Re: Do you pay for exercise?

I pay zero per month. The actual cost of $36 per month but my health plan reimburses me $40 each month that DW and I exercise a certain number of times ($20 per person). I tried to get the health club to return the $4 difference to me but no dice :twisted:
by investor4life
Thu Jan 14, 2016 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Does a BH play the lottery?
Replies: 78
Views: 5880

Does a BH play the lottery?

This 1.5B Powerball had me wondering?

As a Boglehead, do you play any kind of lottery? If so, how much have you won?

Me? Never got beyond winning around $10 once in Bingo. :(
by investor4life
Sun Dec 20, 2015 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Next credit card for a bonus?
Replies: 109
Views: 14136

Re: Next credit card for a bonus?

To OP and others: May I ask how this strategy has impacted your credit score? The credit card goodies out there these days are very tempting but I hesitate to jump in for fear of ruining my score, which hovers between 775 and 820 depending on how much I have run up on my cards in a given month. I ha...
by investor4life
Sat Oct 24, 2015 10:25 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 16637

Re: Guilty pleasures?

Dark chocolate! Nothing fancy---Dove, Lindt, Pete's...but sometimes Cote D'Or
by investor4life
Wed Oct 21, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much info. to share with estate planning attorney
Replies: 20
Views: 2788

How much info. to share with estate planning attorney

DW and I are finally getting around to estate planning. We contacted a local estate planning attorney. He sent us a detailed 10-page questionnaire to fill out before our first meeting. The questionnaire asks for a ton of info beyond the usual stuff like DOB, SSN (which I am always reluctant to share...
by investor4life
Mon Sep 21, 2015 2:59 pm
Forum: Personal Consumer Issues
Topic: Working 23 yo Son Medical Insurance Ours/His/Both ?
Replies: 41
Views: 2762

Re: Working 23 yo Son Medical Insurance Ours/His/Both ?

We took an in-between approach: My working (under-26) son is on my medical and dental plans. This does not cost me extra but has saved him about $1.5K per year in premiums. The few times that he has had to see a doctor, he's paid the deductible and prescription cost (about $300). Seems to be working...
by investor4life
Tue Jun 09, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Car dealer wants me to compensate for underpayment
Replies: 182
Views: 18369

Re: Car dealer wants me to compensate for underpayment

Happened to me, too, several years ago. Dealer made a clerical error that underbilled me by $1K. He called and offered a free extended warranty in exchange for the payment. Turned out well as the car was a lemon. I made up that 1K many times over. Dumped the car when the warranty ran out. :twisted:
by investor4life
Thu Mar 12, 2015 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Tax on promissory note
Replies: 4
Views: 1348

Tax on promissory note

So here's the situation: DS accepted a new job in Sept. 2014. The offer included a $5K signing bonus structured as a promissory note. He received the money in Oct. 2014 but will start the job only next month. The deal is that if he sticks around for at least one year then the principal will be forgi...
by investor4life
Mon Mar 09, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Water softener question
Replies: 6
Views: 934

Re: Water softener question

It was just pointed out to me that I posted this (inadvertently) in "Investing - Theory, News & General" :oops: . My apologies. I don't know how to move this to "Personal Consumer Issues" (short of re-posting). I hope that one of the moderators can work his/her magic.

Thanks!