Search found 212 matches

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: 22997

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: 4157

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: 2431

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: 3378

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: 3378

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: Postal Service -- "informed delivery"
Replies: 115
Views: 7327

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: 3378

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: 3378

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: 63
Views: 6078

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: 1685

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: 48
Views: 4958

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: 4855

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: 8354

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: 1598

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: 4555

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: 4555

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: 5679

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: 16
Views: 1755

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: 1822

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: 5679

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: 7798

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: 1822

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: 1822

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: 1167

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: 1167

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.&quo...
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: 1578

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: 1167

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."...
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: 1578

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: 7255

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: 1578

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: 1578

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: 1578

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: 1578

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". Sa...
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: 1578

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: 5696

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 ...
by meebers
Mon May 29, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 4464

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...
by meebers
Wed May 17, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: State Farm Drive Safe & Save Program
Replies: 14
Views: 3431

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: 3859

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...
by meebers
Wed May 17, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1832

Re: Home cordless phone recommendation, which takes AA or AAA batteries

Tried quite a few over the years, Panasonic KX-TGF353n for me. 5 handsets (KX-TGFA30) in use, the call blocker function is very easy and works great. AAA NI-MH batteries, good Volume and range.
by meebers
Wed Mar 08, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Dispute with neighborhood association
Replies: 37
Views: 4797

Re: Dispute with neighborhood association

Served as President and Treasurer of our HOA for 13 years. About 85% of people have no problems year after year, pay on time etc. The other 15% always seems to have problems with not getting the invoice, loosing the check, sending it in late with a date about a month ago on the check. You name it, t...
by meebers
Thu Mar 02, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 4171

Re: Replace gas water heater with electric?

I live in a "warm" climate, 2400Sq ft house, 3 bath. I have 55 gal NG WH and a NG fireplace. With the exception of a month or so in the winter, my gas bill is about $30. Of that $30, $15 is for fee's/taxes etc. I do not have a chimney per se, but a 4" metal vent thru the roof. It is n...
by meebers
Mon Feb 27, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Tire Warranties
Replies: 55
Views: 6680

Re: Tire Warranties

I have had good luck with Discount Tire. They have met or beat even Costco to get the sale. Replaced tires on my 2007 truck, however when the wife got a nail in her tire, went there and they repaired it free because I have bought from them before. Costco is a great place, when I went shopping for my...
by meebers
Mon Feb 27, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Non disclosure disagreement
Replies: 1
Views: 376

Non disclosure disagreement

Relative of mine, bought a home in which he intends to use as a short term rental. He used a real estate agent from a major firm. She had mentioned that the home had just been converted from well water/septic system to city water and sewer. Nothing else about it. Two months after closing, he got a b...
by meebers
Mon Feb 06, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Long term or short term
Replies: 6
Views: 481

Re: Long term or short term

So the 1099-B does not mention dividends at all. It probably says "Purchase date" for those lots and the number of shares. A 1099-DIV shows dividend amounts, but does not mention shares. As others have replied, since those shares were purchased less than 366 days before the sale, they are...
by meebers
Mon Feb 06, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Long term or short term
Replies: 6
Views: 481

Re: Long term or short term

livesoft wrote:Dividends are paid in cash and don't have a "term."


The 1099-B has Quantity sold (Cost+Div) and split them into separate entries as LT and ST. I selected to have the dividends reinvested in shares.
by meebers
Mon Feb 06, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Long term or short term
Replies: 6
Views: 481

Long term or short term

Hope this the correct place to enter this question? I am checking a 1099-B from VG. I have questions on what is long term and what is short term. This concerns 1 MF Details below: 1 Buy 2/7/15 2 Div 3/24/15 3 Div 9/22/15 4 Div 12/22/15 5 Div 3/14/16 Sell 5/5/16 VG reports only 1-2 are long term and ...
by meebers
Wed Feb 01, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3498

Re: Treasury Direct Account Locked

I have had an account with TD for many years. It is a difficult site to navigate. Too many links/pages to see what you got. Was thinking about calling them, just looked at the site and I do not see a # to call. I think I fall into the EE or I bonds category and it says I have to email or write. Ther...
by meebers
Wed Jan 25, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with plumbing issues or any Plumbers here?
Replies: 30
Views: 2590

Re: Anyone have experience with plumbing issues or any Plumbers here?

Disaster on my part. I was remodeling my kitchen and it came down to moving hot/cold/drain pipe about 18" so that they would align with the new sink cabinet. Original builder plumber just beat a hole in the adjacent cabinet and the sink cabinet to get the pipes thru. Mine was copper pipe, about...
by meebers
Wed Jan 25, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Saving on tax software
Replies: 15
Views: 2084

Re: Saving on tax software

Easy Rhino wrote:Taxact online is inexpensive if you're e filing Fed and state. Each year after filing I get to "reserve" the next year at a very low price


I did the reserve for many years @ $9.99. They always sent me an email as a reminder. Nothing this year, signed in and now it is $40.00