Search found 991 matches

by squirm
Fri Sep 22, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 16
Views: 633

Re: Negotiating for a new car purchase

Have you try tried Costco?
by squirm
Thu Sep 21, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Credit card price protection, does it work for after sale coupon?
Replies: 4
Views: 284

Credit card price protection, does it work for after sale coupon?

Bought about $5000 of furniture about two months ago, now the furniture store has snailed mailed me a coupon for 15% off everything. Will my credit card price protection perk work here? I used my Chase Sapphire Preferred.
by squirm
Thu Sep 21, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Should I even bother with buying a school picture?
Replies: 39
Views: 2744

Re: Should I even bother with buying a school picture?

Just pay the $40, your kids are only kids once.
by squirm
Wed Sep 20, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4301

Re: Costco vs sams club vs neither.

Do you really save money at Costco? When we use to shop at Costco I found that we would end up throwing what seemed like half the food stuff out eventually. Running into everyone in the isles, feeling like I'm in a middle of a zoo and fighting over parking wasn't worth whatever is supposedly saved. ...
by squirm
Wed Sep 20, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4301

Re: Costco vs sams club vs neither.

I dropped our Costco membership. It was more expensive than Aldi. The time wasted going in and out of Costco was more than I could bear. One typically needs to drive several miles to one, which is wasteful of your time, money, and has a negative environmental impact. We dropped Costco ten years ago...
by squirm
Wed Sep 20, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4301

Re: Costco vs sams club vs neither.

I love my Costco visa btw 4% gas, 3% restaurant, 2% Costco, 1% general, plus 2 years extended warranty on everything you buy Don't forget price protection. I buy Arco gas cards at our usual grocery store with my AE card...gives me 6%. The two year extended warranty is compelling, I think AE Blue is...
by squirm
Tue Sep 19, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 4301

Re: Costco vs sams club vs neither.

I read the thread regarding Costco and Sam's. Because of that wife and i went to Sam's. It was very clean, very bright, and most importantly, not crowded. Bumping into people while shopping ruins everything, that's what you get at Costco. I'd rather pay a little more to avoid the crowds...i vote for...
by squirm
Mon Sep 18, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Equifax breach after steps
Replies: 9
Views: 1157

Re: Equifax breach after steps

It's not like if your social security number, address, names, and other important information isn't found on the darkwebs it doesn't exist there. Everyone is going to have to assume their information is accessible or will become accessible at some point. If your credit accounts aren't hacked or iden...
by squirm
Fri Sep 15, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16555

Re: Iphone X is $1000

We've had iphones for a while, but we've always had older versions. The difference between them is negligible, IMO. We have the 6 and it is working fine. Maybe in a year or two, we'll buy another 6 or SE if we need a new phone. They might not make a 6 in a year or two but more likely you'll be left...
by squirm
Fri Sep 15, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Lastpass free credit monitoring, your thoughts
Replies: 2
Views: 247

Lastpass free credit monitoring, your thoughts

Since Equifax disaster, what are your thoughts on using Lastpass free credit monitoring? I use the free version of Lastpass.
by squirm
Fri Sep 15, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Wondering if solar is worth it - does my utility bill seem high? (Arizona)
Replies: 40
Views: 2803

Re: Wondering if solar is worth it - does my utility bill seem high? (Arizona)

Your usage if high, what is your rate? Don't get solar to offset resistive heat such as electric furnace or water heater. If your paying under about 15c/kwh the numbers won't work out.

Sounds like you need to do an energy audit.
Solar is great for high electric costs areas like southern ca or pge.
by squirm
Thu Sep 14, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: Two household cars with not so great fuel efficiency; make a change?
Replies: 13
Views: 879

Re: Two household cars with not so great fuel efficiency; make a change?

Let me get this straight, you're worried about gas on a ten mile commute? We have a hundred mile round trip commute. We carpool too.

Don't worry about it, sales tax will kill any fuel savings.
by squirm
Wed Sep 13, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: US removing Kaspersky Antivirus from government computers
Replies: 38
Views: 3400

Re: US removing Kaspersky Antivirus from government computers

sunny_socal wrote:
Wed Sep 13, 2017 7:45 pm
I use AVG Free on my Mac. Never a single virus in ~5years. Prior to that I had Windows and every virus protection under the sun. The machine was still infected every so often. I highly recommend running a Mac.
Haven't had a virus on my Windows machines in years.
by squirm
Wed Sep 13, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16555

Re: Iphone X is $1000

If we assume the actual cost of ownership difference between buying an affordable phone and keeping it until it breaks and upgrading every two years to a flagship phone is about 330 dollars a year, if you invest that difference at 4% real return you get $26,580 after 35 years. Is having $26,580 wor...
by squirm
Wed Sep 13, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 312
Views: 16555

Re: Iphone X is $1000

I don't see anything on the new iphone that I want as much as I want Google Lens. Presenter points phone at an apple and asks "how many calories does it have?". Phone responds "there are 95 calories in a medium apple". See https://www.youtube.com/watch?v=rNux9AnNCVE&feature=youtu.be&t=52m13s That's...
by squirm
Tue Sep 12, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17257

Re: Is it really Worth it to brown bag your lunch at work?

My wife and I always dreaded the ol eating out with co-workers...my favorite lunch time is to eat a homemade lunch while reading the WSJ, alone...Wife says at her work, she eats the lunches I make, in her office and closes the door...she hates eating with co-workers too. She's trying to get out of t...
by squirm
Tue Sep 12, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17257

Re: Is it really Worth it to brown bag your lunch at work?

For me, it isn't about just the money. It is about the flexibility and the variety. It is extremely rare that I want to eat what I ate last night, and I'm sure as shoot not going to eat PB&J as a staple. I completely agree with this line of thinking too. But I'm also ready for the line of people wh...
by squirm
Tue Sep 12, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 17257

Re: Is it really Worth it to brown bag your lunch at work?

I make all of our lunches, everyday. No enriched bread, all whole wheat, lunch meat without no nitrates, fruits, carrots, etc. Why better than eating out even if eating out was cheaper.
by squirm
Tue Sep 12, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5701

Re: Equifax - credit freeze is now free?

NYT is reporting Equifax has agreed to free credit freeze for 30 days: https://www.nytimes.com/2017/09/12/your-money/equifax-fee-waiver.html This is a joke, right? What do you mean? That's in-line with what people have been reporting, that they have not been charged for credit freezes at Equifax re...
by squirm
Tue Sep 12, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5701

Re: Equifax - credit freeze is now free?

pochax wrote:
Tue Sep 12, 2017 10:27 am
NYT is reporting Equifax has agreed to free credit freeze for 30 days:
https://www.nytimes.com/2017/09/12/your ... aiver.html
This is a joke, right?
by squirm
Tue Sep 12, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5701

Re: Equifax - credit freeze is now free?

I'm hoping the criminals who obtained this data turn it into ransomeware. I'd pay $10 in bitcoins to get my data deleted if they offered it. If half the victims did that the thieves would make out with $700 million and still have 70 million accounts to datamine and harvest. What else could you do? S...
by squirm
Mon Sep 11, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5701

Re: Equifax - credit freeze is now free?

So what's the point of a free year of credit monitoring? It's not like credit card numbers or passwords were stolen... Social security numbers with all the other information will be on the dark web in perpetuity. What's the point of monitoring, they already have your info. This breach is a game cha...
by squirm
Mon Sep 11, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8621

Re: Contemplating an Electric Car

Hello I have about a year before I will be selling back my Audi A3 TDI to VW/Audi due to emissions scandal. I'm seriously considering an EV option and will look at Tesla Model 3 ( deposit made), the 2018 Leaf and the GM Bolt. I'd like to hear what Bogleheads think about EV's and if they think now i...
by squirm
Mon Sep 11, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8621

Re: Contemplating an Electric Car

I strongly considered buying an ev but was deterred by several reasons: their resale value is dismal with the decreasing newer model msrp as technology improves (think circa 2000s pc vs 2010) and multiple unequal tax incentives (a leaf in michigan costs 10k more than a leaf in New Jersey by virtue ...
by squirm
Mon Sep 11, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: FIL bought house on retaining wall hillside, questions on wall
Replies: 15
Views: 1715

Re: FIL bought house on retaining wall hillside, questions on wall

Thanks everyone. Talked to fil. Apparently a structural pe looked at it a year ago and had no issues. I looked at it on Saturday, looked sound to this civil pe. Some break on top two feet by two feet, but that was looked at last year. I recommended he have it looked again by the structural pe or get...
by squirm
Mon Sep 11, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5701

Re: Equifax - credit freeze is now free?

What really gets me is that 2 Equifax executives sold millions of dollars of stock 2 days after the breach happened. By the way, that was in July and the public wasn't notified of the breach until September. Isn't that insider trading? Shouldn't someone be going to jail? Nobody goes to jail until t...
by squirm
Mon Sep 11, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 51
Views: 5701

Re: Equifax - credit freeze is now free?

So what's the point of a free year of credit monitoring? It's not like credit card numbers or passwords were stolen... Social security numbers with all the other information will be on the dark web in perpetuity. What's the point of monitoring, they already have your info. This breach is a game chan...
by squirm
Sat Sep 09, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8621

Re: Contemplating an Electric Car

Maybe. I know many of the car manufactures will be releasing many more EV models, but what ath the charging network? The charging network helps determine the depreciation of the car too....Why would anyone buy a car for "local driving". Five years from now Telsa will have even more superchargers. T...
by squirm
Sat Sep 09, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8621

Re: Contemplating an Electric Car

To keep this actionable, my question is, should I replace my Prius for "fun" with an updated BEV or PHEV? When and what type. Should I replace my wife's 17year old luxury SUV and if so, when and what type. Requirements: We do 3-4 long 6-12hr roadtrips each year for the in laws and safety is vital. ...
by squirm
Fri Sep 08, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: FIL bought house on retaining wall hillside, questions on wall
Replies: 15
Views: 1715

FIL bought house on retaining wall hillside, questions on wall

FIL bought a house last year. The house is on a piece of land where the east section is held up by a 20 foot tall mortarted rock retaining wall. The wall was built in 1930 and might be considered historic. The wall is adjacent to a city owned street (about 100ft in length, about 20 feet from the str...
by squirm
Fri Sep 08, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8621

Re: Contemplating an Electric Car

It won't be long? I find that hard to believe. The tremendous benefit of gasoline is how much energy is packed into a small volume, and the convenience of the gasoline engine is the ability to refuel for another 300 to 500 miles travel in five minutes just about anywhere. I realize there are belief...
by squirm
Fri Sep 08, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Contemplating an Electric Car
Replies: 147
Views: 8621

Re: Contemplating an Electric Car

"Sorry, Grandma. Can't come to visit over the holidays. You live 140 miles away and my car can only go 115 miles. But, hey, I'm good 95 percent of the time." I would stop on the way to Grandma's and plug in while getting a bite to eat. Problem solved. The problem with this is the public l2 charging...
by squirm
Thu Sep 07, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37414

Re: Equifax customer information leak

I called their phone number 3 times now. They say wait for next available agent but after 5 minutes they say all agents are busy, please call back later, and hang up. Happens in 5 minutes each time. Nice customer service. Did you seriously think you were going to be able to get through to them, and...
by squirm
Thu Sep 07, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37414

Re: Equifax customer information leak

I called their phone number 3 times now. They say wait for next available agent but after 5 minutes they say all agents are busy, please call back later, and hang up. Happens in 5 minutes each time. Nice customer service. Did you seriously think you were going to be able to get through to them, and...
by squirm
Thu Sep 07, 2017 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37414

Re: Equifax customer information leak

So great, they will provide this monitoring for 1 year. I'm sure the nefarious group(s) that has all our data will only use that data for the next 365 days and then delete it. :annoyed And the management of Equifax unloaded stock before the press release. Hope they enjoy prison. Yeah, free monitori...
by squirm
Thu Sep 07, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37414

Re: Equifax customer information leak

You don't need a police report to create a credit freeze. Police report might make it free, but if you are willing to pay, you should be able to get it. Brian Krebs describes it in this article https://krebsonsecurity.com/2015/11/report-everyone-should-get-a-security-freeze/ and in this one https:/...
by squirm
Thu Sep 07, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 61
Views: 5112

Re: To take or not to take delivery of Tesla 3

You'll only live once. If you can easily afford the car, enjoy it.
by squirm
Thu Sep 07, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Did Charmin UltraSoft TP become "UltraThin"?
Replies: 61
Views: 3730

Re: Did Charmin UltraSoft TP become "UltraThin"?

The cheapest way to use toilet paper is to just go to the bathroom at work.

At our work they use John Wayne toilet paper; rough and tough and takes no s%&$t.
by squirm
Mon Aug 28, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: failed on Dish network negotiation - what to do?
Replies: 8
Views: 1389

failed on Dish network negotiation - what to do?

Usually always negotiate a $15/mo reduction with their retention dept. Last week all they offered was $5/mo....whoopee. They said there was no other promo offers at this time. We've had dish network for many years, frankly don't want to switch either. I told then I'd wait a few weeks and I'll be cal...
by squirm
Fri Aug 25, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Buying a used Tesla
Replies: 18
Views: 2226

Re: Buying a used Tesla

We're thinking of a used tesla, but getting cold feet because I'm reading more and more about slow superchargers.
by squirm
Wed Aug 23, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4138

Re: Experience finding gas pump card skimmer?

I only use credit cards, so i couldn't careless about skimmers in gas and grocery store terminals. Only place i use my atm is the bank atm.
by squirm
Tue Aug 22, 2017 11:29 pm
Forum: Personal Consumer Issues
Topic: Eclipse Traffic: predictions vs reality?
Replies: 64
Views: 4755

Re: Eclipse Traffic: predictions vs reality?

All Bay Area Tesla Superchargers were full. 3 hr wait times.
by squirm
Tue Aug 22, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4966

Lowes vs Home Depot

I do a ton of projects around the house and the rental when I have spare time. Over the years I usually spent more time at Home Depot. Even though the stores seemed more of a mess I could generally find things I need (except for plumbing parts, what a disaster). We live out in the boonies so going t...
by squirm
Tue Aug 22, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: Google vs Bing for headline news
Replies: 3
Views: 527

Google vs Bing for headline news

I notice that when i just want the headline news and click the news link on Google, all I ever get is the Washington Post and NY Times for the vast majority of the headline source links. I figure these guys must be paying Google for top placement. So I have switched over to Bing which seems to have ...
by squirm
Sun Aug 20, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 5782

Re: Safe car for wife and baby

Safest thing is to keep your phone in the back seat. I'm sure most people here see it all the time, other drives texting while driving. You can usually spot them because they start veering out of their lanes. One person at work got pretty screwed up, he had to come to a stop on the freeway due to tr...
by squirm
Sun Aug 20, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 11884

Re: Is it worth it? [demanding jobs vs time with family]

Nobody on their deathbed wishes they worked longer hours.
by squirm
Thu Aug 17, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Tesla factory tours
Replies: 4
Views: 596

Tesla factory tours

My sister wanted to take her and her kids (their in sixth grade) to the Telsa factory tour. But they stated to her that she has to be an owner, she's not. Does she have any recourse? She would love to tour the place and same goes for her kids.
by squirm
Wed Aug 16, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4905

Re: Best Housing To Avoid Noise

On the other hand, the kind of noise that's always driven me nuts is somebody playing loud music or some such thing that occurs more randomly and unexpectedly. I'll lie awake in bed unable to get to sleep listening for it and getting angrier and angrier. Me too. I can deal with road noise but I'd r...
by squirm
Wed Aug 16, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Best Housing To Avoid Noise
Replies: 57
Views: 4905

Re: Best Housing To Avoid Noise

Before we bought our first house i walked the neighborhood at all hours and even introduced myself to the immediate neighbors to make sure we weren't going to live next to aholes. Things seemed fine so we bought. Well after a year of turns out the one on the left was an ahole and had loud parties, t...