Search found 347 matches

by misterno
Tue Oct 17, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: First time ever received a collection agency letter
Replies: 3
Views: 700

First time ever received a collection agency letter

Took my son to hospital on February 3 for a hearing test. 1 month later received a bill from hospital for $370. But this was impossible because I already met out of pocket maximum by that time. So hospital says insurance denied the procedure code. Made a conference call with insurance on one side ho...
by misterno
Thu Oct 12, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Crowdfunding real estate?
Replies: 26
Views: 2716

Re: Crowdfunding real estate?

Honestly I understand your point in terms of cash flows. Because yes, it is all about the cash flows. I like real estate. Personally I would rather allocate a material portion to both U.S. and International REITs. That's what I go back and forth on as well. I already have between 5 -10% allocated t...
by misterno
Wed Oct 04, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: When purchasing a smartphone from T-Mobile
Replies: 6
Views: 593

Re: When purchasing a smartphone from T-Mobile

Why do you prefer to buy from them as there is no real benefit , you will receive the same service no matter where you purchase the phone. Personally I haven't purchased a phone from any cell provider in 10+ years. They don't match with the possible exception of a discontinued phone, even then it's...
by misterno
Mon Oct 02, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: What can go wrong with multi family syndications?
Replies: 5
Views: 709

What can go wrong with multi family syndications?

So I attended my very first local multi family syndication meeting thru meetup. 40 people attended, 35 of them were clueless but 5 of them were kinda experts and invested in several multi family syndications. 2 people were talking which both had invested in more than 10 syndications and they were so...
by misterno
Mon Oct 02, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6033

Re: Are credit cards rewards worth it?

Always use CITI credit card when you purchase appliances

You automatically get 2 years on top of the manufacturers warranty

I just purchased a monitor from Sams club

Manufacturers warranty 3 years
sams club 2 years
citi costco card 2 years

total 7 years warranty

I am in love with credit cards
by misterno
Tue Sep 26, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 75
Views: 7427

Re: I ran out of credit card signups bonus...

I'm just curious, For those churners out there who are willing to share, Historically how much upfront rewards do you typically pull in for year? I never really realized it could be as lucrative as it is with some of these bonuses at $500+ a pop. I'm not ready to start churning but I may start doin...
by misterno
Fri Sep 22, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 3871

Re: Oil - Price & Supply/Demand Conundrum

1) Oil price will never and ever reach to its high points 2) Due to this reason, Middle east is reaching to a turmoil point. Stay away from anything related to middle east and any company or any country involved with oil production 3) Industries that are using oil as input will do extremely fine bec...
by misterno
Mon Sep 18, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

Just an update

I bought LG from samslucb 2+2 =4 years warranty

Paid 699+tax = 756 (Everything included)

BTW, I appreciate the comments on Speed Queen. I will keep in mind

Thanks all
by misterno
Mon Sep 18, 2017 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3731

Re: Where to park $200K cash?

What are the goals for the money? Retirement, house, kids college, vegas trip? What timeline, and what other investments do you already have? All tax advantage accounts are fully invested I have no other investments. I dont need the money short or long term If you don't need it it doesn't matter wh...
by misterno
Mon Sep 18, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3731

Re: Where to park $200K cash?

Move $35 to a Redneck Bank Megamoney account at 1.5%. You could also do a checking account for 1.5% but it's the typical "jump through 10 flaming hoops a month" kinda thing. I assume you mean $35K and on $35? An extra 0.3% on $35 won't buy you a cup of coffee :happy And, since OP already has an acc...
by misterno
Mon Sep 18, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3731

Re: Where to park $200K cash?

Unless you need the money within six days, a no brainer is to at least move it into Ally no-penalty 11-month CDs earning 1.50% APY. After six days you can do an early withdrawal penalty free. I just bought four at $25K each--took less than 10 minutes. I do them in $25K increments because that's the...
by misterno
Mon Sep 18, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3731

Re: Where to park $200K cash?

ThriftyPhD wrote:
Mon Sep 18, 2017 9:32 am
What are the goals for the money? Retirement, house, kids college, vegas trip? What timeline, and what other investments do you already have?
All tax advantage accounts are fully invested

I have no other investments. I dont need the money short or long term
by misterno
Mon Sep 18, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3731

Where to park $200K cash?

Currently it is sitting in Ally Savings earning %1.20

Anywhere better?
by misterno
Fri Sep 15, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

Another question I found this Square Trade extended warranty of 5 years for $77 in Amazon https://www.amazon.com/SquareTrade-5-Year-Appliance-Protection-600-699-99/dp/B074HQBVMM/ref=sr_1_4?s=electronics&ie=UTF8&qid=1505505565&sr=1-4&keywords=squaretrade+5+year+appliance What do you guys think? Does...
by misterno
Fri Sep 15, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

Another question I found this Square Trade extended warranty of 5 years for $77 in Amazon https://www.amazon.com/SquareTrade-5-Year-Appliance-Protection-600-699-99/dp/B074HQBVMM/ref=sr_1_4?s=electronics&ie=UTF8&qid=1505505565&sr=1-4&keywords=squaretrade+5+year+appliance What do you guys think? Does ...
by misterno
Fri Sep 15, 2017 2:31 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

I went to the local library and took a picture of the washing machine section of consumer reports [Link to content in excess of copyright fair use removed by admin LadyGeek] Number 1 is Samsung WF42H5200AW which is surprisingly very cheap $549 plus tax plus hoses and free installation so total $612...
by misterno
Fri Sep 15, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

What do you guys think about extended warranty? Does it really work? or is it a scam? Things I learned All Sears washing machines have 1 year warranty The only places I can find offering long warranties are Costco and Sams. They offer 2 years plus 2 years from CITI so total 4 years warranty Cheapest...
by misterno
Fri Sep 15, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

I already thought about Speed Queen but $1,450 was out of my range Any recommendations? I agree $1450 certainly is too much to pay for a new washer! That's why I bought my Speed Queen new-in-box for $899 plus tax a few months ago, at the local discount appliance store. Well I did not know that you ...
by misterno
Fri Sep 15, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

I already thought about Speed Queen but $1,450 was out of my range Any recommendations? I agree $1450 certainly is too much to pay for a new washer! That's why I bought my Speed Queen new-in-box for $899 plus tax a few months ago, at the local discount appliance store. Well I did not know that you ...
by misterno
Fri Sep 15, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

I already thought about Speed Queen but $1,450 was out of my range Any recommendations? I agree $1450 certainly is too much to pay for a new washer! That's why I bought my Speed Queen new-in-box for $899 plus tax a few months ago, at the local discount appliance store. Well I did not know that you ...
by misterno
Thu Sep 14, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Re: Can not decide between washing machines

sport wrote:
Thu Sep 14, 2017 4:52 pm
misterno wrote:
Thu Sep 14, 2017 4:32 pm
Also, I will be using my Citi costco card to get the additional 2 year warranty
Costco also sells appliances. Did you check there for prices?
yes I did but they are expensive and none of them is listed in consumer reports
by misterno
Thu Sep 14, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 2597

Can not decide between washing machines

I went to the local library and took a picture of the washing machine section of consumer reports [Link to content in excess of copyright fair use removed by admin LadyGeek] Number 1 is Samsung WF42H5200AW which is surprisingly very cheap $549 plus tax plus hoses and free installation so total $612 ...
by misterno
Wed Sep 13, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 11343

Re: Anyone else freeze their credit score?

winski58 wrote:
Sat Sep 09, 2017 1:45 pm
Just froze Experian, TransUnion and Equifax this morning and there was no charge. Does this mean my credit has been breached?
how did you freeze all of them for free?
by misterno
Tue Sep 12, 2017 3:33 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4639

Re: China to ban petrol cars

http://www.bbc.com/news/business-41218243 I can not believe it is happenning USA used to be the leader in these things but now look who is more bold. China bans a lot of things. Perhaps we shouldn't always take their lead. JT Did I say always? The future of car technology is so obvious I can not be...
by misterno
Mon Sep 11, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4639

Re: China to ban petrol cars

munemaker wrote:
Mon Sep 11, 2017 4:16 pm
misterno wrote:
Mon Sep 11, 2017 3:41 pm
http://www.bbc.com/news/business-41218243

I can not believe it is happenning

USA used to be the leader in these things but now look who is more bold.
So you think the US should be the leader in banning petrol cars?
of course

electric cars are the future
by misterno
Mon Sep 11, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4639

China to ban petrol cars

http://www.bbc.com/news/business-41218243

I can not believe it is happenning

USA used to be the leader in these things but now look who is more bold.
by misterno
Fri Aug 18, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1518

Re: Loud squeaky noise when starting the car

Hope that was all that it took to repair. I don't know about your car, but the cars I own have belt tensioners that maintain proper tightness. In both cars, you either release tension to change the belt, or allow the tensioner to maintain proper belt tension. There is no other means of "tension adj...
by misterno
Fri Aug 18, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2933

Re: Bough gift cards from cash card.com and somebody else used them all

I am the OP and I used AMEX Delta Sky Miles to purchase these safeway gcs Here is the response I got after claiming for the theft of these gcs ------------------------------- RE: Product: Purchase Protection Claim Number:xxx Incident Date: November 24, 2016 Dear xxx Thank you for your participation ...
by misterno
Mon Aug 14, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2933

Re: Bough gift cards from cash card.com and somebody else used them all

Updating my post I called the credit card company that I used to purchase these gcs It turns out this was a business credit card. AMEX Delta Sky Miles card. The csr transferred me to insurance department which I did not know existed Anyway they took down my information and they said they will call b...
by misterno
Mon Aug 14, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1518

Re: Loud squeaky noise when starting the car

Updating to my post This handyman was in my house who is also a neighbor. He fixed my toilet and during the conversation I told him about the car squeaking He wanted to look at it. He touched the belt and he said this is too loose that is why it is making noise He said the belt looks fine just needs...
by misterno
Fri Aug 11, 2017 4:00 pm
Forum: Personal Consumer Issues
Topic: Bough gift cards from cash card.com and somebody else used them all
Replies: 25
Views: 2933

Bough gift cards from cash card.com and somebody else used them all

I bought these Safeway gift cards because I always shop there I bought them like January of this year and I was using them one by one. Yesterday one of them did not work so when I get back home, I called Safeway CSR and it seems like someone used my card in a state i have never been. Then I told csr...
by misterno
Fri Aug 11, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Do not buy new cellphones on ebay
Replies: 54
Views: 6300

Re: Do not buy new cellphones on ebay

I just wanted to update you all. The phone in discussion is HTC One M9 and my wife's Samsung Galaxy S6 After trying 2-3 ebay phones and returning them I understood that these are not brand new phones as stated. They claim brand new in ebay product page but what it is is that somewhere in Asia they g...
by misterno
Wed Aug 09, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1518

Re: Loud squeaky noise when starting the car

I had an issue with belts squealing after they were installed. The mechanic adjusted the tensioner and it was fixed. Do you see any oil on your driveway/garage floor? I had a problem with my 97 camry where in cold weather the car would squeak/groan at start up for a second. I would see a drop of oi...
by misterno
Wed Aug 09, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1518

Re: Loud squeaky noise when starting the car

Are you sure it is belt related? I had a car that made a belt like squeaking noise. It turned out to be the cam shaft sensor synchronizer. It was going and gave off a random chirping noise. Especially when the car was just started. The belt could be good, but the tensioner could be going. One on of...
by misterno
Wed Aug 09, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1518

Re: Loud squeaky noise when starting the car

Belts are not made of material that does not age and does not stretch. Yes, a belt can get hard and stiff in 2 years especially if heated and used a lot. You did not say if you drive 100 miles in 2 years or 100,000 miles in two years. You did not say if you like to run the engine hot or fast or som...
by misterno
Wed Aug 09, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Loud squeaky noise when starting the car
Replies: 18
Views: 1518

Loud squeaky noise when starting the car

So I had my serpentine belt changed 2 years ago. The mechanic got the belt from O'reilly not the best brand. The reason I got it changed is because the oil change guy after a visual inspection told me there are cracks on it So I got it changed and with that the squeeky noise started everytime I turn...
by misterno
Tue Aug 01, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2376

Re: Cheapest transportation to airport?

j0nnyg1984 wrote:Last post. Check out this deal IAH is currently running - 50% off parking on prepaid reservations.

http://promo.fly2houston.com
Thanks I checked that site

It only gives 3-4-5 days of discount with one time so I can not apply the discount to whole 18 days
by misterno
Tue Aug 01, 2017 10:35 am
Forum: Personal Consumer Issues
Topic: DIY Radiant Barrier in attic?
Replies: 27
Views: 6147

Re: DIY Radiant Barrier in attic?

Funny we were just discussing this tonight with a couple from Plano. They said it did not cut A/C (electric bills) which surprised them. So there must be more people with experience out there. I'm curious because the physics of this suggests it wouldn't work as well in an area like Texas where the ...
by misterno
Mon Jul 31, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2376

Re: Cheapest transportation to airport?

Why not just use the park n fly. Fastest and cheapest option. Why wouldn't you lean towards that one? because I need to wait with my 3 yr old for the shuttle which will take 20 minutes to parking lot So what?? Why does that make the park n fly less likely? I dont want my 3 year old kid on my lap sl...
by misterno
Mon Jul 31, 2017 2:19 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2376

Re: Cheapest transportation to airport?

fposte wrote:Depends on how much money and how much time you have. But what about Supershuttle in, Uber home?
good idea
by misterno
Mon Jul 31, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2376

Re: Cheapest transportation to airport?

squirm wrote:Your "friend" charges you??? I've taken many friends to the airport and picked them up and never charged them.

Offer pizza and a beer.
This is someone I know not my buddy
by misterno
Mon Jul 31, 2017 2:18 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2376

Re: Cheapest transportation to airport?

bigred77 wrote:Why not just use the park n fly.

Fastest and cheapest option. Why wouldn't you lean towards that one?
because I need to wait with my 3 yr old for the shuttle which will take 20 minutes to parking lot
by misterno
Mon Jul 31, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Cheapest transportation to airport?
Replies: 39
Views: 2376

Cheapest transportation to airport?

I am in Sugarland next to Houston using IAH. Going solo returning with wife and kid Here are my options 1) Uberx costs 61 dollars arrives in 1 hour. no uberpool in houston . If I use it on returning, that will be 61*2=$122 2) Supershuttle 38 dollars arrives in close to 2 hours. But when I return I w...
by misterno
Tue Jul 25, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4781

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

I live in hell in other words Houston I got a 3K sqft house 2 stories so 2 AC units I never paid more than 100 dollars in summer of 2-3 months and the rest is 25-30/month Both units are 8-10 years old Would you please share which company are you using? What's the rate, type of contract, and your kW...
by misterno
Tue Jul 25, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 4781

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

I live in hell in other words Houston

I got a 3K sqft house 2 stories so 2 AC units

I never paid more than 100 dollars in summer of 2-3 months and the rest is 25-30/month

Both units are 8-10 years old
by misterno
Fri Jul 21, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 8845

Re: Anyone else extremely frugal?

My father's pajamas were 30 years old and it still looked new.

I am trying to break his record but I can not find the same 100% polyester ones.

Anyway it has been maybe 10 years that I buy any clothes. The company I work for is extremely lax in dressing.
by misterno
Tue Jul 18, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2621

Re: Tumbling USD -- expats

I visit Turkey twice a year for the last 24 years and I can clearly see that I am paying more in dollars for the same service and goods I am buying This has been steadily going on. I know other people complaining about the same thing Turkey is a third world country so I guess it can be one benchmar...
by misterno
Tue Jul 18, 2017 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Tumbling USD -- expats
Replies: 27
Views: 2621

Re: Tumbling USD -- expats

I visit Turkey twice a year for the last 24 years and I can clearly see that I am paying more in dollars for the same service and goods I am buying This has been steadily going on. I know other people complaining about the same thing Turkey is a third world country so I guess it can be one benchmar...
by misterno
Tue Jul 18, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 4295

Re: Road noise in 2017 Honda CRV?

nura wrote:People buy Hondas for quiet rides as much as buying BMWs for being cheap to maintain.
BMWs cheap to maintain?

Can you elaborate?