Search found 198 matches

by samtex
Thu Sep 21, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: Experian will give you your pin on-line!
Replies: 9
Views: 1382

Experian will give you your pin on-line!

Has this been already posted? Seems Experian wants to make it relatively easy to get your pin. :oops:

http://krebsonsecurity.com/

I'm wondering when this is going to stop? Seems like our credit system is coming apart.


Samtex
by samtex
Thu Sep 21, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Password Managers Single VS Multi-user / Generic question
Replies: 4
Views: 496

Password Managers Single VS Multi-user / Generic question

Can I get some information about using a single user vs multi-user password manager? Having never used a PM I'm trying to learn the day to day issues. Is it possible for a couple to use a single user PM, instead of going to a family one? If it is possible, what are the downsides, besides the obvious...
by samtex
Wed Sep 20, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Letter For Survivor(s) / Executors
Replies: 10
Views: 1216

Re: Letter For Survivor(s) / Executors

LifeIsGood wrote:
Wed Sep 20, 2017 3:47 pm
As I recall, it was a bit more elaborate than Taylor's. Thanks for the link and response.
viewtopic.php?t=119346. ?

Samtex
by samtex
Wed Sep 20, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 672

Re: Password manager questions and recomendation for Kindle Fire HDX?

Wow, that's too bad. I use LastPass a lot and just bought a Kindle Fire. I was planning on upgrading to premium and installing it on the tablet. I'm glad I didn't upgrade! I have no idea what I will do now. Keepass is a very reputable application, but the one for Android is a non-official port and ...
by samtex
Tue Sep 19, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 672

Re: Password manager questions and recomendation for Kindle Fire HDX?

PetaHertz wrote:
Mon Sep 18, 2017 10:26 pm
Where did you hear that they aren't supporting Kindle anymore? It still says they are working on it on their website.

https://forums.lastpass.com/viewtopic.php?f=12&t=266705

https://forums.lastpass.com/search.php?keywords=kindle

Samtex
by samtex
Mon Sep 18, 2017 8:23 pm
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 672

Re: Password manager for Kindle Fire HDX

I don't have a kindle fire, but android phone and ios device. I decided that I did not like the idea of using an online password manager, so I went with Keepass and MiniKeePass for ios. I setup the passwords on my computer, then email it to my ios device and download it into minikeepass, then delet...
by samtex
Mon Sep 18, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Password manager questions and recomendation for Kindle Fire HDX?
Replies: 7
Views: 672

Password manager questions and recomendation for Kindle Fire HDX?

I have been wanting to try a password manager for better security. I use a laptop running Win 10, An Android phone and a Kindle Fire HDX. The issue is the Kindle Fire HDX tablet. As I understand it uses a version of Google android OS but Amazon has tweaked it so it won't necessarily run the all the ...
by samtex
Fri Sep 08, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 632
Views: 37710

Re: Equifax says info stolen. What's my best course of action?

Is there a difference in "freezing" your credit report and having a "Fraud Alert" placed on it? Many years ago (10+) someone opened up a bank card in my name and charged about 1200.00 in Europe. I called the card company and got it straightened out pretty easily and then contacted one of the credit ...
by samtex
Thu Sep 07, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Re: Hurricane - Dealing with Ins. & neighbors

I spoke to a few insurance people and it appears that they only replace a fence if it was "blown over" (posts), otherwise they will repair it. Also they will pay 1/2 of the cost (after deductible) if it is a "shared" fence. So far I have spoken to one neighbor and we will probably repair the damage ...
by samtex
Thu Sep 07, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Re: Hurricane - Dealing with Ins. & neighbors

Ya this should be simple. If there's a 100 feet fence that costs $100/feet (I am just making up a number, no clue how much fences cost) and Neighbor A shares 50 feet with you, just ask then to pay $100/ft x 50/2. I wouldn't try to play bill collector and pay for everything in advance and then try t...
by samtex
Thu Sep 07, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Re: Hurricane - Dealing with Ins. & neighbors

The only damage I have are some sections of my privacy fence which blew over. The fence is shared by my neighbors around me. Because of my lot's shape, I have five neighbors that share the fence. So how does one handle repair or replacement when you are dealing with two "owners" and probably two di...
by samtex
Thu Sep 07, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Re: Hurricane - Dealing with Ins. & neighbors

@researcher, I live in a place with simple fences (by HOA rules) enclosing all backyards. The developer initially put these fences up on the property lines. I think the use of the word "my" by the OP was just a slip and should have been "our". After all, the next sentence used the word "shared", so...
by samtex
Thu Sep 07, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Re: Hurricane - Dealing with Ins. & neighbors

Who owns the fence? Who is responsible for maintenance of the fence? That is who will pay for repairs/replacement/removal. Unless you have a unique homeowner's insurance policy, do not expect any help/reimbursement from your insurance. Well actually, it seems most of the insurance policies I have s...
by samtex
Thu Sep 07, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Re: Hurricane - Dealing with Ins. & neighbors

I love that you ended your post with how lucky and grateful you are. :thumbsup Since none of your neighbors suffered a catastrophic loss (that you know of) I would go to them individually and ask for their assistance on repairing/replacing the fence. I would make the determination of whether to rep...
by samtex
Wed Sep 06, 2017 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Hurricane - Dealing with Ins. & neighbors
Replies: 19
Views: 2189

Hurricane - Dealing with Ins. & neighbors

We were affected by the recent hurricane Harvey. Besides the inconvenience of loss of power and water for a few days, we were quite lucky as far as damage to our property. So far, it just appears the only damage I have are some sections of my privacy fence which blew over. The fence is shared by my ...
by samtex
Mon Aug 21, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 3131

Re: Lastpass anyone use it?

I have been thinking of using Lastpass however I've been on their website reading through their customer's forums. One issue has been going on for one year and appears to still be an issue. I'm not so much interested in this bug but more concerned about their response or lack there of. It's eight p...
by samtex
Mon Aug 21, 2017 2:30 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 3131

Re: Lastpass anyone use it?

I have been thinking of using Lastpass however I've been on their website reading through their customer's forums. One issue has been going on for one year and appears to still be an issue. I'm not so much interested in this bug but more concerned about their response or lack there of. It's eight pa...
by samtex
Sat Aug 19, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: I cut the cord a couple years back but think I'm going back to cable
Replies: 47
Views: 8001

Re: I cut the cord a couple years back but think I'm going back to cable

After last year's Super Bowl, I cancelled Directv (my monthly bill was around $130). Lived on Amazon Prime TV and YouTube for the last 6 months. Just went back to Directv last week. The details: Xtra Package, 230+ channels. Includes one 4k receiver, one Genie, and two wireless receivers. 4 tv's tot...
by samtex
Wed Aug 16, 2017 2:30 am
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 864

Re: Why/how can Android web browsers stall the whole OS?

I had an issue with Amazon Silk as well. Amazon tech support suggested I install Chrome. Has been pretty stable for me.

Samtex
by samtex
Mon Aug 14, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries vs wills
Replies: 9
Views: 1277

Re: Beneficiaries vs wills

Thanks for all the insightful replies.

Samtex
by samtex
Sun Aug 13, 2017 1:38 am
Forum: Personal Finance (Not Investing)
Topic: Beneficiaries vs wills
Replies: 9
Views: 1277

Beneficiaries vs wills

I have read many times on BH that by naming your beneficiaries on your investment accounts and savings etc. allows that asset to bypass your estate when you pass. Seems pretty simple if you are simply naming your spouse as 100% beneficiary but what about others, such as children? Say you list your s...
by samtex
Sat Aug 05, 2017 2:27 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 14037

Re: Opticians: is there any difference in quality of Costco glasses?

a pair from Costco (maybe $185 including lens and frame). I was at Costco today. Progressive lenses are $160. Cheapest frame was about $50 unless I missed some that were less than that. The only additional expenses are tax and the eye exam. Even the blue tint for computers is free. If you buy two c...
by samtex
Wed Aug 02, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Any problem leaving a hole in ceiling of garage?
Replies: 27
Views: 1970

Re: Any problem leaving a hole in ceiling of garage?

Yes, there is a problem. Even if it is a small hole, it is a big problem. As stated above, the drywall in garages is required to be a fire wall. That is the biggest problem. The CO problem is of lower concern (CO is heavier than air), but if enough fills up the garage and is forced up into the hous...
by samtex
Wed Aug 02, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Number of withdrawals permitted/personal savings account
Replies: 11
Views: 1097

Re: Number of withdrawals permitted/personal savings account

OK, I got a different story from the branch manager. She said that the $2.00 charge was a bank fee for every withdrawal over three per month. She said the customer service representative was incorrect about it being a Fed rule. Fed rule does allow six per month/statement period. She did say that the...
by samtex
Tue Aug 01, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Number of withdrawals permitted/personal savings account
Replies: 11
Views: 1097

Re: Number of withdrawals permitted/personal savings account

Longdog wrote:Is it possible that your "month" was not the 1st - 31st of the month, but mid-month to mid-month?

Good point but the disclosure statement states calendar month or each statement cycle.

Samtex
by samtex
Tue Aug 01, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Number of withdrawals permitted/personal savings account
Replies: 11
Views: 1097

Re: Number of withdrawals permitted/personal savings account

Call them again. The federal law you are referring to is known as "Regulation D" - if the CSR doesn't know that term ask for a supervisor. To my understanding, they cannot institute a lower limit. It is 6 set by the authorities (raised about a decade ago from 3 per month) in order to benefit the co...
by samtex
Tue Aug 01, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Pool Maintenance Savings
Replies: 26
Views: 1992

Re: Pool Maintenance Savings

You can get these in large quantities if you look around. It would take a lot of boxes of baking soda to adjust the PH in our pool. Just last month we added 50 pounds of sodium bicarb which we got in a 50lb brown bag. Places like Lowes have large bottles of bleach on sale from time to time. The onl...
by samtex
Tue Aug 01, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Number of withdrawals permitted/personal savings account
Replies: 11
Views: 1097

Re: Number of withdrawals permitted/personal savings account

At the time I opened the account, it said due to Federal regulations, I was limited to the six withdrawals. Of course Federal regulations can change but I don't remember any receiving any notices of changes. When time permits, I will go visit the local branch manager.

Samtex
by samtex
Tue Aug 01, 2017 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Number of withdrawals permitted/personal savings account
Replies: 11
Views: 1097

Number of withdrawals permitted/personal savings account

I was looking at my personal savings account online wiht my local bank when I saw a $2.00 fee. I called the bank and they said I had violated the maximum "three" withdrawals permitted under Federal regulations. I had run afoul of this rule last year and was told I could only have six transfers. They...
by samtex
Mon Jul 24, 2017 1:17 am
Forum: Personal Finance (Not Investing)
Topic: After market extended warranty new vehicle - worth it?
Replies: 14
Views: 1021

Re: After market extended warranty new vehicle - worth it?

I have never seen a non-factory extended protection plan that I would consider buying. They are noted to be difficult to deal with. One big concern would be if you have a reputable repair service available that would honor the contract. Plus will they continue to accept the contract in the future? S...
by samtex
Thu Jul 20, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Another cutting cord thread/PS Vue & recording live events
Replies: 10
Views: 864

Re: Another cutting cord thread/PS Vue & recording live events

If this works, I should see a drop of about $100.00 a month, and still have virtually all the same channels. I'm just curious - you now pay $155 or more just for TV? Our Internet + TV just increased to a little over $150. We are debating options because that seems outrageous to us. Sadly yes, actua...
by samtex
Thu Jul 20, 2017 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Another cutting cord thread/PS Vue & recording live events
Replies: 10
Views: 864

Re: Another cutting cord thread/PS Vue & recording live events

Appreciate the info, I may have confused "on demand and live". It does say that NFL is not available on demand channels. It also said NFL is not available on "mobile" devices. Well, based on that, I don't see much of a problem. Another question, if you start recording a show and then you want to sta...
by samtex
Wed Jul 19, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Another cutting cord thread/PS Vue & recording live events
Replies: 10
Views: 864

Another cutting cord thread/PS Vue & recording live events

OK, sorry about another thread on this topic but was looking for some detail info if someone has PS Vue. Iv'e done a fair amount of research for what I need to do to cancel satellite and switch to streaming and some over the air viewing. Most of it looks good but I want to be sure my wife will be ha...
by samtex
Fri Jun 23, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 947

Re: Spouse life insurance question

Did you ask if it is possible to substitute your current wife's name for the ex-wife's? Don't forget that the premiums are going to go up over time due to the fact that you are getting older (and thus closer to death). This is true for ANY kind of life insurance you get. Can't change the names. The...
by samtex
Fri Jun 23, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 947

Re: Spouse life insurance question

I can't avoid not overlooking the obvious. Since you used the "D-oh" emoticon you seem to realize Whole Life insurance may not be the best option. Before you even figure this out did you consider dropping the policy and switching to a term policy? (In which case the question would be moot). Yes, I ...
by samtex
Mon Jun 19, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: With March 15th Federal Rate Hike, who bond prices did not fall.
Replies: 9
Views: 1698

Re: With March 15th Federal Rate Hike, who bond prices did not fall.

Thought I would post this link from Bloomberg about Fed Rate increase and their effect treasuries.

https://www.bloomberg.com/news/articles ... rate-hikes

Samtex
by samtex
Mon Jun 19, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 947

Re: Spouse life insurance question

You will need to contact your insurance co to see what happens in the event of divorce/remarriage. That is so common these days, they mostly have it in the contract. This article seems to imply the rider goes away in divorce. m Well. that is what I was thinking too but wanted some other thoughts be...
by samtex
Mon Jun 19, 2017 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 947

Re: Spouse life insurance question

flamesabers wrote:Does the policy states what happens if you get a divorce? I imagine it would be in the fine print of your policy.



Couldn't find the word divorce anywhere in the rider section.

Samtex
by samtex
Mon Jun 19, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Spouse life insurance question
Replies: 9
Views: 947

Spouse life insurance question

Many years ago, I purchased a Universal Life Policy on myself. The policy also provided a rider which included my wife and children with myself as the beneficiary. As the years went by, we divorced and later I remarried. I changed the beneficiary to my children in the event of my passing but didn't ...
by samtex
Wed Jun 07, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: How to buy another car key?
Replies: 16
Views: 1988

Re: How to buy another car key?

This question is best asked on a forum specific to your car. Search the web for Subaru forums and ask there, in the appropriate category for your specific model. The answer to this question will differ wildly based on what car you have. For example, on my Corvette, I can buy an inexpensive keyfob a...
by samtex
Wed Jun 07, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 14037

Re: Opticians: is there any difference in quality of Costco glasses?

There is a significant difference in optical quality. I have a favorite optical shop. Lenses are Pentax, but now they use another high end lens of equivalent quality. The shop is very stylish and expensive but it is a major appearance and vision spend and an infrequent purchase. So I went to Costco...
by samtex
Tue May 23, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Roth contributions and form 8606
Replies: 7
Views: 734

Re: Roth contributions and form 8606

Thanks for all replies. It has been more than five years for my last contribution and we are well over 59 1/2. Our first distribution was 2016, so I think we are in the clear but I may double check just in case.

Samtex
by samtex
Mon May 22, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Roth contributions and form 8606
Replies: 7
Views: 734

Roth contributions and form 8606

I was looking through some past tax preparation forms from my CPA. Under ROTH IRA it showed our total contributions while working. (now retired) The numbers don't appear correct from my memory. Before I go back and verify the figures, I was wondering what the IRS uses this information for and how im...
by samtex
Mon May 22, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 14037

Re: Opticians: is there any difference in quality of Costco glasses?

There is a significant difference in optical quality. I have a favorite optical shop. Lenses are Pentax, but now they use another high end lens of equivalent quality. The shop is very stylish and expensive but it is a major appearance and vision spend and an infrequent purchase. So I went to Costco...
by samtex
Fri May 19, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 14037

Re: Opticians: is there any difference in quality of Costco glasses?

I had to get progressives for the first time last year. With the same prescription, I got a pair shipped from Zenni (maybe $70 all in) and a pair from Costco (maybe $185 including lens and frame). I really can't even wear the pair from Zenni, I don't think they even qualify as a backup pair. The Co...
by samtex
Fri May 19, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax different versions and included forms
Replies: 1
Views: 288

TurboTax different versions and included forms

After reading through the TurboTax website, it says: "The desktop products (all versions) can all handle the same forms but differ mainly in the amount of help and guidance." Are they using the term "form" interchangeably with the words "schedule" and "form"? ...
by samtex
Tue May 02, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Impact of Interest Rates on Bonds vs. Bond Mutual Funds
Replies: 16
Views: 1320

Re: Impact of Interest Rates on Bonds vs. Bond Mutual Funds

I believe the last Fed rate drop happened last Dec. The bond market began to drop about a month or more before. Was that when the Fed announced the Dec. increase? Just curious about the dynamics.

Samtex
by samtex
Sat Apr 22, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 6114

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

Don't forget st. Jude's. Most states have hospitals for children with life threatening issues at no cost to families. Also a second opinion at Dana farmer children's hospital, md Anderson, mayo or Sloan Kettering might be in the cards. I'm sure the family is panicking about getting the best care po...
by samtex
Sat Apr 22, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2989

Re: Building your own fence

ddurrett896 wrote:
Jimmie wrote:If you never move from that house, eventually you WILL need to dig holes a second time. :-(


The poles are galvanized so I rust or rot.



That's what I thought when I installed one to mount a tv dish on. It lasted about 9 years, then it broke off flush with the concrete.

Samtex