Search found 216 matches

by samtex
Tue Nov 14, 2017 2:01 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5189

Re: Keurig died...what now?

I would go with a cheap little coffee brewer like the 5 cup Mr Coffee. It takes no time to put a filter in, scoop desired amount of coffee grounds, and brew a few cups. I like dark coffee without cream or sugar though... Another plus is that you can clean this type of cheap device as often as desir...
by samtex
Sat Nov 11, 2017 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Growth of Medicare Advantage enrollment
Replies: 68
Views: 3838

Re: Growth of Medicare Advantage enrollment

What makes me suspicious about the advantage plans, is the tremendous amount of advertising the insurance companies spend on promoting it. It must be a better revenue generator.

Samtex
by samtex
Tue Nov 07, 2017 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1512

Re: Auto Insruance Payment

My auto insurer, Progressive issues 6 month policies and gives multiple choices for payment. I always elect to pay in full because they give me a sizable discount.

Samtex
by samtex
Tue Oct 24, 2017 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2157

Re: Generous Insurance Claim. Should I worry?

I have had to replace 2 roofs to hail over 7 years. The claim estimate given was much higher than what I paid for the repair, so much so that it mostly covered the 2 percent deductible. Weird, huh? I am thinking at the moment, the insurance companies are so flooded with claims from the hurricanes a...
by samtex
Tue Oct 24, 2017 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2157

Re: Generous Insurance Claim. Should I worry?

Are you sure you want to claim for a fence ?- they will take it out on your rates, or even possibly drop you. I would only make a claim on homeowners for a truly significant $ amount The fence was only part of the claim. I wasn't going to make a claim initially, until I discovered more damage to th...
by samtex
Tue Oct 24, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2157

Re: Generous Insurance Claim. Should I worry?

The truth is your Insurance policy is not set up to insure half of a fence. They would normally pay the full cost of replacement, or ACV(actual cash value) if this is not a replacement cost policy. I would not be concerned about them coming back for the money as long as the damage was not misrepres...
by samtex
Tue Oct 24, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2157

Re: Generous Insurance Claim. Should I worry?

We recently had a weather related property insurance claim. The insurance company processed the claim fairly quickly without sending a claims person to the property, relying upon the estimates I obtained for some of the damage, pictures of the damage and used their standard rate for the damaged fen...
by samtex
Tue Oct 24, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: Generous Insurance Claim. Should I worry?
Replies: 23
Views: 2157

Generous Insurance Claim. Should I worry?

We recently had a weather related property insurance claim. The insurance company processed the claim fairly quickly without sending a claims person to the property, relying upon the estimates I obtained for some of the damage, pictures of the damage and used their standard rate for the damaged fenc...
by samtex
Thu Oct 19, 2017 1:52 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1291

Re: Mechanics of rebalancing a four fund portfolio

If you post what you have in all of your accounts, you may get some good advice on simpler ways to do the rebalancing overall. My (not experienced with rebalancing or brokerage platform) comments are: Can you adjust 401k to handle most rebalancing? What are your triggers for rebalancing? How often ...
by samtex
Thu Oct 19, 2017 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1291

Re: Mechanics of rebalancing a four fund portfolio

Iv'e rebalanced my funds in the past but it seemed more complicated (too many steps and too much time) than it should be. Maybe I'm looking at it wrong. OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some ...
by samtex
Thu Oct 19, 2017 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1291

Re: Mechanics of rebalancing a four fund portfolio

It used to be that Vanguard would only allow multiple fund -> single and single fund -> multiple transactions. Perhaps they now allow multiple fund -> multiple fund transactions? I've done the former, but haven't tried the latter. I just checked, you can only do Multiple>Single (and presumably vice...
by samtex
Wed Oct 18, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1291

Re: Mechanics of rebalancing a four fund portfolio

OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some total bond ($1934) and total International bond ($645). Is it simpler to move the $1289 x 2 to my settlement account then wait for that to clear, then ma...
by samtex
Wed Oct 18, 2017 12:19 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1291

Re: Mechanics of rebalancing a four fund portfolio

At Vanguard, you can choose the 'exchange" menu, and accomplish this all at once. Select all the funds you want to sell and the funds you want to buy, type in the dollars, and when it's equal hit submit. Easy Peasy. I'd be more worried about the phrase "one of my IRAs" - fewer accounts is better, a...
by samtex
Wed Oct 18, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: Why so many "reversed" pictures?
Replies: 14
Views: 2403

Why so many "reversed" pictures?

This has been bugging me for a long time. It is fairly common to see photographs "reversed" both on Internet news stories as well as in ads. Today I even received a brochure in the mail promoting an upcoming vote on an amendment next month. The picture had a generic looking home with a sign with the...
by samtex
Tue Oct 17, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing a four fund portfolio
Replies: 14
Views: 1291

Mechanics of rebalancing a four fund portfolio

Iv'e rebalanced my funds in the past but it seemed more complicated (too many steps and too much time) than it should be. Maybe I'm looking at it wrong. OK, in one of my IRA's, say I need to sell some of my total US stock ($1289) and some of my total International stock ($1289). I need to buy some t...
by samtex
Sat Sep 30, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: GE Fridge Water Dispenser issue
Replies: 9
Views: 802

Re: GE Fridge Water Dispenser issue

I have a GE Artica about 10? Years old. From the first month we have had issues with the water. (And many other issues) First thing they did was the motherboard. That wasn't it. The problem would come and go. After years, and research on line I discovered on my model, GE didn't put enough insulation...
by samtex
Tue Sep 26, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Should I keep a term life policy I don't need if it has a positive expected value?
Replies: 34
Views: 2685

Re: Should I keep a term life policy I don't need if it has a positive expected value?

To OP, maybe I'm missing something but you are worrying about a $25 yearly insurance payment or $25 per pay period?

Samtex
by samtex
Tue Sep 26, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5705

Re: Vanguard charged me $140 in service fees

Vanguard hasn't charged me a fee but I did get several letters on different accounts saying they had switched me over to mailing my information since they were having issues with their emails going through. I checked my spam folders and nothing from Vanguard was there. I went into my accounts and ve...
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: 1538

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: 599

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: 1363

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: 784

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: 784

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: 784

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: 784

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: 711
Views: 50212

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: 2293

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: 2293

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: 2293

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: 2293

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: 2293

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: 2293

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: 2293

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: 3425

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: 3425

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: 8264

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: 910

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: 1357

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: 1357

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: 24015

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: 2155

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: 1191

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: 1191

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: 1191

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: 2135

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: 1191

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: 1191

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: 1130

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: 970

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...