Search found 224 matches

by meebers
Sun Nov 12, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4709

Re: Worth changing 40 gal. to 30gal. hot water tank?

I am just looking at my NG bill. Only device using NG is the water heater, my bill says, 33 days, "Therms Used" = 12.57, "Cost per Therm" = .77000 and the charge is = $9.68. another line below that says "Therms used" - 12.57 and "Cost per Therm" - .33500 and the charge is $4.21. Total for the month ...
by meebers
Sun Nov 12, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3455

Re: Chromebook vs Windows 10?

There is always an option to install Chromium OS on a USB stick and run it off of the USB to test it or go ahead and permanently install it on the HDD/SSD https://9to5google.com/2016/02/17/neverware-chrome-os-pc-macs/. I used an older computer and the install was uneventful. It remains the only syst...
by meebers
Thu Nov 09, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1725

Re: Comments on Kia Soul?

I have had various manufactures cars over the years, the last being a Toyoto Highlander. Nothing wrong about it, but when it came time to trade we usually visit all the dealers in town and make a decision. This takes a week or two. Last time we got a new 2013 Kia Sorento V6, it has been a wonderful ...
by meebers
Thu Nov 09, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Worth changing 40 gal. to 30gal. hot water tank?
Replies: 90
Views: 4709

Re: Worth changing 40 gal. to 30gal. hot water tank?

I always thought that local code dictates what size of Water Heater. I have 4BR, 3 bath house, 2500 sft, calls for a 55 Gal. Luckily we have natural gas, 2 of us at the moment, Water heater and Fireplace uses NG. Our monthly bill is usually between $25-30 with half of the cost tied up in local fees/...
by meebers
Mon Oct 30, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard and restriction to unrecognized computer
Replies: 9
Views: 630

Re: Vanguard and restriction to unrecognized computer

To satisfy my own need to keep things "cleaned up", once per week I clean out my browsers, mainly cookies etc. This upsets vanguard log in as well as other financial institutions and I get the unrecognized computer notice. Sometimes it still logs in without issue but sends an email about an unrecogn...
by meebers
Thu Oct 12, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: Using recent Quicken versions standalone
Replies: 5
Views: 661

Re: Using recent Quicken versions standalone

I would do a backup of your quicken file, save it on a flash drive away from the computer. Update with quicken and if you don't like the results, delete/uninstall your current version of Quicken and reinstall Q15 again. Point to your data file that you just saved and move on. If you got the machine ...
by meebers
Tue Oct 10, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7659

Re: Equifax - credit freeze is now free?

It's been almost a month since I used ChexSystems freeze. The confirmation said I would receive a pin and instructions within 3 business days. That has not happened. Anybody else not get theirs yet? A lot of people have been experiencing a delay for their ChexSystems PIN. See this thread for more i...
by meebers
Tue Oct 10, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7659

Re: Equifax - credit freeze is now free?

It's been almost a month since I used ChexSystems freeze. The confirmation said I would receive a pin and instructions within 3 business days. That has not happened. Anybody else not get theirs yet?
by meebers
Fri Oct 06, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1315

Re: Dish network

I had Direct TV for a while, moved and now on cable. The differences if any are minor in picture quality in my case. I also have an antenna on a different hdmi port on the tv and switching between OTA and my cable feed (same channel) see no difference. Does not mean some cable companys dont have a p...
by meebers
Fri Oct 06, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2885

Re: Garage door opener on last leg

I have 2 Chamberlain GDO's, both belt units. The single door one stripped a belt about 6 months ago and so I called Chamberlain to get a price on one. To my amazement, after I told him the model and S/N, the CS guy told me that I am one of the few who bought this model and that everything on it is g...
by meebers
Mon Sep 25, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: FYI- Security issue at PenFed
Replies: 9
Views: 1184

Re: FYI- Security issue at PenFed

I had a CD that matured and requested it to be sent to another financial institution. They would only transfer $5000.00 a day until it eventually reached zero. I have my last CD expiring in Nov 17 and plan to close the whole account.
by meebers
Thu Sep 21, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25423

Re: Name something you had to have and now you regret purchasing it?

In 2009 I rode GM stock to the bottom. All along hoping that a company this big could not fail. :annoyed It did.
by meebers
Thu Sep 21, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4809

Re: Costco vs sams club vs neither.

At one time I had all 3, costco, sams and BJ's. The had "special" offers on the memberships. I let Sams and BJ's expire and only use Costco now. I just like it better and so does the wife. We are there at least once per week, distance about 5 miles.
by meebers
Thu Sep 07, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Do you have to paint stucco?
Replies: 31
Views: 2632

Re: Do you have to paint stucco?

YMMV. I live in Central Florida, cinder block covered with stucco. We have "extreme" heat/humidity, lots of rain etc. (Hurricane now & then :annoyed) The builder did not use any wood on the outside of the houses he built. House was built in 2001, he did the initial 2 coats of paint on the "finish co...
by meebers
Thu Sep 07, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3821

Re: Wanting a Portable Auto GPS

iamlucky13 wrote: I sometimes wonder why so many people seem so resistant to accepting that somebody might prefer a less favored option over a more favored one, like a dedicated navigation system over a smartphone. Double Ditto on that :beer Even on my very old GPS a search for a location will ofte...
by meebers
Thu Sep 07, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3821

Re: Wanting a Portable Auto GPS

iamlucky13 wrote:
I sometimes wonder why so many people seem so resistant to accepting that somebody might prefer a less favored option over a more favored one, like a dedicated navigation system over a smartphone.


Double Ditto on that :beer
by meebers
Wed Sep 06, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 188
Views: 13217

Re: Postal Service -- "informed delivery"

Does the service require a photo ID to verify identity and address before signing up? When I signed up online for the "my usps" account which seems to be required, I was presented with four nexus (?) type questions similar to those to identify yourself to receive your credit reports online. Same ex...
by meebers
Mon Sep 04, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3821

Re: Wanting a Portable Auto GPS

Consensus so far is to use an iPhone :( I don't have one nor want one, but getting one would be 2x - 4x the cost of a new stand alone GPS + $40-60 a month. If you already have and iPhone and already in a $ "plan" then I could see using it for GPS. My "smart phone" is used for emergency only @ $10 ye...
by meebers
Mon Sep 04, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3821

Wanting a Portable Auto GPS

The GPS's that I have now are way out of date map wise. These are old so no "free" map updates. Looking for something portable so I can move from car to car or carry with me when I go to an unfamiliar airport etc. Some newer models "feature" blue tooth. I am missing something here because why would ...
by meebers
Tue Aug 29, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 64
Views: 6801

Re: When to give resignation notice

I told the boss one day I was going to quit immediately. She asked for 2 weeks, I agreed. On the last day of the 2 week notice (Friday), she called me in, after I had been there for 15 minutes, and told me to clock out, don't need you any more. One last little "dig", that I suspected would happen. :...
by meebers
Sun Aug 27, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Hiring a real estate agent to buy home
Replies: 21
Views: 1819

Re: Hiring a real estate agent to buy home

When I sold one of my houses, I went to the two top brand name reality companies and asked them to send me their top salesperson. Just for the heck of it opened the phone book and pointed to a name in the yellow pages and told them I was selling my house. The "top" salespersons were all into them se...
by meebers
Sun Aug 27, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7553

Re: Lowes vs Home Depot

I usually go to Lowes first, HD for alternates. Lowes has given 10% off for military ever since I can remember. HD has been on again off again. I have ordered "stuff" from lowes on line since the majority of it has free shipping. I find HD has a lot of "stuff" that I see on line that is not at that ...
by meebers
Fri Aug 18, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Chase for everyday banking
Replies: 42
Views: 4980

Re: Thoughts on Chase for everyday banking

I am in the process of slowly moving out of my Credit Union to Chase. The Credit union I was with was not up to date as far as web services, the bank statements resembled a dot matrix type print out and the list goes on. I am in the 2nd month with Chase now making sure all my deposits and credit car...
by meebers
Fri Aug 18, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8726

Re: Little P**S Ants

I had them, tried most of the DIY stuff without success. Finally called in a "PRO" and he spent a good hour looking for the nest. Found it under a hibiscus bush in the back yard. Treated the house inside and out and within 3-4 days they were gone. After the first month, told the PRO guy thanks. Abou...
by meebers
Fri Aug 18, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: If you received robocalls from cruise lines
Replies: 13
Views: 1718

Re: If you received robocalls from cruise lines

1 of my numbers was not there, 1 was. Hope I didn't just sign up for more spam mail :shock:
by meebers
Sat Jul 22, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5112

Re: How much electricity are you using and how expensive it is?

squirm wrote:Every month we pay zero, except a ten dollar connection fee.

3000kwh is a lot, we is about 1000kwh on a heavy usage month.
Are you solar/wind or??
by meebers
Sat Jul 22, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5112

Re: How much electricity are you using and how expensive it is?

Central Florida, all Electric, heat/cool with Heat Pump. Hot Water is by natural gas about $15 + tax and crap fees = $30/month. 2400SF, 4BDR. Bills are for total electric for the house, lights, TV, Hot Tub, Electric Wash/Dryr etc. We average about 800-1100KW per month depending on the season. The cu...
by meebers
Fri Jul 21, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 6107

Re: Why does State Farm have poor reviews?

I had SF for 40+ years without issues. My children also had SF. Everything was fine until; 1) Son had his truck stolen from his driveway overnight. Agent that had been collecting $ for years and years told us he could not handle the claim, that we would have to go to another town and file the claim...
by meebers
Fri Jul 21, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Questions about security camera systems
Replies: 14
Views: 1916

Re: Questions about security camera systems

I have an 8 camera system that I installed myself about 8 years ago. (winter time to run wires in attic). I has a 1TB hdd that lasts about 2 months before I have to reformat it. The system is on a UPS, (DVR and camera power warts) that should go for 1/2 hr before shut down, when and if there is a po...
by meebers
Fri Jul 21, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1925

Re: Credit card vrs checking account for utility bills

I charge everything unless there is a fee. I am now 95% thru the change. My results were not good. The Electric and Water does not except credit card automatic pays. You can pay on their website with a credit card however??? The Gas company did accept auto payment (no fee)with credit card. Will inq...
by meebers
Fri Jul 21, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: State Farm vs Penn National- auto, renters, umbrella?
Replies: 58
Views: 6107

Re: Why does State Farm have poor reviews?

I had SF for 40+ years without issues. My children also had SF. Everything was fine until; 1) Son had his truck stolen from his driveway overnight. Agent that had been collecting $ for years and years told us he could not handle the claim, that we would have to go to another town and file the claim ...
by meebers
Tue Jul 18, 2017 7:46 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 8436

Re: how to destroy hard disk with personal info

Nothing beats putting them in the middle of your driveway and letting your welder work on it. :mrgreen:
by meebers
Wed Jul 12, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1925

Re: Credit card vrs checking account for utility bills

Tx all, excellent suggestions. Will research the ones that require a "fee" (and how much) and which ones that do not. Great response.
by meebers
Tue Jul 11, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card vrs checking account for utility bills
Replies: 23
Views: 1925

Credit card vrs checking account for utility bills

I have been having the utility company's, (gas, water, electric, cable) auto withdrawal from my checking account for the monthly bills. Been doing it for 17+ years without issue. Just wondering if it would be prudent to change that and have them charge my credit card instead. Seems like it would off...
by meebers
Mon Jun 26, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 1205

Re: VG notice of transition

Geez!, read most of the linked threads about this. Some were back in 2014. From the very beginning of my account set up, I often pondered at the reasoning for a MF account and a Brokerage account. Assumed that the brokerage account was to buy/sell funds outside of VG. Some time ago, I got notice to...
by meebers
Sat Jun 24, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 1205

Re: VG notice of transition

Wife and I have identical accounts with VG. She received this notice: "In the next week or so, you'll receive an invitation to transition your Vanguard mutual fund account to a Vanguard Brokerage Account. You don't have to do anything now. We simply want to make you aware of what's coming." Not qui...
by meebers
Sat Jun 24, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Re: Reconcile monthly bank statement when it contains more than one month

I am (or have been) in several aspects of this business. Several possibilities occur to me. 1. The posting date and the physical date differ because of some kind of time cutoff for switching the posting date. While you notice the end of month issue, do you notice any other posting/statement dates d...
by meebers
Sat Jun 24, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: VG notice of transition
Replies: 7
Views: 1205

VG notice of transition

Wife and I have identical accounts with VG. She received this notice: "In the next week or so, you'll receive an invitation to transition your Vanguard mutual fund account to a Vanguard Brokerage Account. You don't have to do anything now. We simply want to make you aware of what's coming." Not quit...
by meebers
Sat Jun 10, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Re: Reconcile monthly bank statement when it contains more than one month

bayview wrote:
meebers wrote:...
But it's ridiculous for them to pretend that the displayed transactions have to carry over to the first of the next month simply because that's when they do it. Even I can write better code than that, and I'm the rankest of SQL amateurs.
Amen!
by meebers
Sat Jun 10, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 85
Views: 7992

Re: AAA Cost

$60/year under my name, Fl. Since I also have AAA home insurance I get a $72 discount.
by meebers
Thu Jun 08, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Re: Reconcile monthly bank statement when it contains more than one month

I can't be of much help because I stopped reconciling my checking account many years ago (a couple of years before I stopped using Quicken). I never found an error and decided it was no longer worth my time. I make sure I always have a balance of $1000 in case there is a check that is written that ...
by meebers
Thu Jun 08, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Re: Reconcile monthly bank statement when it contains more than one month

Simplistic approach for me is that if it happened in April, it should be on the April statement. Statements don't have to go by the calendar month. If they cut off on the 1st you just enter the 1st as the statement date and the balance as of the 1st and reconcile to the first day of the month. At t...
by meebers
Tue Jun 06, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Re: Reconcile monthly bank statement when it contains more than one month

I can't be of much help because I stopped reconciling my checking account many years ago (a couple of years before I stopped using Quicken). I never found an error and decided it was no longer worth my time. I make sure I always have a balance of $1000 in case there is a check that is written that ...
by meebers
Tue Jun 06, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Re: Reconcile monthly bank statement when it contains more than one month

OK, one the the first things she did was call her supervisor, they directed her to the IT department. That's how I found out they updated the software 2 months ago. They then directed her to the "software" people. Both of them were looking at the same screen saying "hummmmmm". Said they would call m...
by meebers
Tue Jun 06, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Reconcile monthly bank statement when it contains more than one month
Replies: 18
Views: 1712

Reconcile monthly bank statement when it contains more than one month

Surprisingly indifferent response from my credit union. Starting with my April checking account statement, it would not reconcile. Statement periods are shown on the statement as the 1st day of the month thru the last day of the month. I usually download all the transactions into Quicken and then wh...
by meebers
Mon May 29, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: best way to buy tires
Replies: 61
Views: 6153

Re: best way to buy tires

I do research mostly on line, a little local, get the data prices etc. and then head out to Discount Tires. They always beat my "best" deals. Our 2 year old car got a nail in one of the tires, stopped by Discount for repair. Service guy noticed that I had bought tires from them before and fixed it f...
by meebers
Mon May 29, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 4707

Re: Not Another Payoff The Mortgage Thread....

PITI (Taxes/Insurance is a given) is just plain EVIL! Spending $1.00 on a mortgage to save $0.25 cents on taxes makes no sense to me. Not having a mortgage in the past has allowed me to pay cash for my present house. PI payments (estimate $2000/month) "savings" for the last 13 years allows plenty of...
by meebers
Wed May 17, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: State Farm Drive Safe & Save Program
Replies: 14
Views: 3553

Re: State Farm Drive Safe & Save Program

My son got a call from his SF agent about 6 months after he bought a new truck. They said the "prediction" was that he would exceed the total mileage he had stated on the policy. He got a rate increase. How they got the info remains a mystery.
by meebers
Wed May 17, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Homeowner's Insurance & New Roofs
Replies: 44
Views: 4199

Re: Homeowner's Insurance & New Roofs

Long story short, my daughter had a storm, several rooms leaking, drywall damaged etc. Insurance agent came to visit, denied the claim as normal wear and tear. Daughter hired a contractor/lawyer, in the end same result. Now the replacement roof is out of pocket. They will be shopping for new insuran...