Search found 1065 matches

by takeshi
Fri Sep 22, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Would you get flood insurance?
Replies: 25
Views: 1269

Re: Would you get flood insurance?

Would? We have for many years. We also live in Houston and our neighborhood didn't flood during Allison, Tax Day, Memorial Day or Harvey. However, "never flooded" doesn't mean "never will flood". Localized flooding can happen anywhere -- especially with enough rainfall, drainage issues, etc.
by takeshi
Fri Sep 22, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score, Credit Check, and Credit Freeze
Replies: 3
Views: 495

Re: Credit Score, Credit Check, and Credit Freeze

You should at least check your reports with all 3 major CRA's once a year. You can do so for free via the Annual Credit Report site which will redirect you to each of the big 3. I'd recommend checking your reports more often if you have not frozen them. Scores are generally not free (though there ar...
by takeshi
Fri Sep 22, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Phone Techies .....
Replies: 24
Views: 1359

Re: Phone Techies .....

I don't think you really need a tech enthusiasts for recommendations but based on the fact that you've been fine with a 5s, a 7 would probably be fine for you.
J295 wrote:
Fri Sep 22, 2017 8:52 am
I have the 5s (quit smirking).
No smirking here. Everyone should use whatever it is that works for the individual.
by takeshi
Fri Sep 22, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Credit Freeze? One last step I'm taking
Replies: 10
Views: 1225

Re: Credit Freeze? One last step I'm taking

LeeMKE wrote:
Thu Sep 21, 2017 11:53 pm
A PDF is an image file
Not relevant to your files but just pointing out that a PDF can be image only or image & text.
by takeshi
Wed Sep 20, 2017 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for credit monitoring?
Replies: 25
Views: 1188

Re: Do you pay for credit monitoring?

I have a very good IT person at work and I was surprised to hear him tell me he pays $15/month for lifelock. Being in IT doesn't mean that we always want to do the grunt work. I want my tech at home to just work after spending the day fixing everyone else's problems at the office -- and spending so...
by takeshi
Wed Sep 20, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Card Points Can (and Should?) Pay Off Card
Replies: 14
Views: 764

Re: Amazon Prime Card Points Can (and Should?) Pay Off Card

Not sure if this is widely-known (it's certainly not explicitly mentioned in any of their marketing material that I can find), but it turns out that you can apply your Amazon Prime credit card points to your card balance. I don't recall what their marketing materials say (I usually don't rely solel...
by takeshi
Wed Sep 20, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 33
Views: 2348

Re: Lease vs. Buy debate with a twist...

Are we at the precipice of rapid technological change in cars (e.g. self driving or on demand driving or other technological disruption) that making a 5 to 10 year commitment to the current technology by buying is not a wise decision. I don't think so and just recently replaced a vehicle with the i...
by takeshi
Wed Sep 20, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 36
Views: 2790

Re: Memory Foam Mattress Recomendations

Hypothesis : I think that we're not designed to sleep that way and I think it can contribute to back pain. I think each needs to find what works best for the individual. There are many who sleep on memory foam without pain or discomfort. We had a 12" Anatomic Global memory foam mattress and it was ...
by takeshi
Tue Sep 19, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 36
Views: 2131

Re: Convertible in Florida or not...

I do notice that few of the convertible owners in our area rarely put their tops down. You can't base what you will do solely on what others do. Like many topics, it's not just about the thing in question but the person. There are serious convertible enthusiasts, some that only enjoy them on occasi...
by takeshi
Tue Sep 19, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Disputing credit card transaction for programming Car FOB?
Replies: 18
Views: 1115

Re: Disputing credit card transaction for programming Car FOB?

Your wording in your OP is vague but based on the text in your OP I would take it to mean that you're taking a risk regardless of the specific reason. If they specifically stated that it was because the concern was that your key was defective then that's an entirely different matter. There are diffe...
by takeshi
Thu Sep 14, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: setting up a wireless printer
Replies: 8
Views: 700

Re: setting up a wireless printer

Are there any standard procedures for helping me set up the wireless printer ( DELL ) so that it can print from an IPAD? Not any that would be of use if you need step-by-step instructions as process and specific steps can vary a bit. Dell's Support site is an excellent resource for documentation an...
by takeshi
Wed Sep 13, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Need Cloud Back-Up Service For Mac
Replies: 8
Views: 877

Re: Need Cloud Back-Up Service For Mac

There's a recent thread on Crashplan alternatives that you might want to take a look at. I also switched to Arq and B2 but wouldn't recommend this for those that place simplicity as a top priority.
by takeshi
Tue Sep 12, 2017 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10857

Re: Anyone else freeze their credit score?

Anyone else freeze their credit score? Picking nits but you can't freeze your score and you don't have just one score. You can, however, freeze your reports. The freeze won't prevent creditors from updating your reports if you have an existing relationships with them. Those updates can cause your s...
by takeshi
Mon Sep 11, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 192
Views: 34671

Re: USAA 2.5% Cash Back Credit Card

It's on all 3 of my reports as well.
by takeshi
Wed Sep 06, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Denied for Citi Double Cash, but no record of application?
Replies: 17
Views: 1789

Re: Denied for Citi Double Cash, but no record of application?

However, I recieved a rejection message. I called the application support line to learn why and was told there was no record of my application. What could be causing this denial? What was the rejection message? How did you receive it and what, exactly, did it say? If you were denied based on your c...
by takeshi
Wed Sep 06, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8370

Re: When calculating net worth, how do you value your house?

Mountain Fiddle wrote:
Wed Sep 06, 2017 8:28 am
We use Mint for tracking our spending. It pulls the most recent estimates automatically from Zillow, which we take with a grain of salt.
Same here. If OP really wants to get a reasonable figure then the usual process of looking at comps is the way to go. Zillow is close enough for us.
by takeshi
Wed Sep 06, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Wanting a Portable Auto GPS
Replies: 65
Views: 3401

Re: Wanting a Portable Auto GPS

It is true that phones can double as car GPS, and Google Maps / Waze do work well, but I have definitely found it is more convenient to have two separate devices - phone for music/podcasts via BT, and separate car GPS. Works especially well for long trips as well as traveling abroad since you will ...
by takeshi
Wed Sep 06, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Credit card and now gmail hacked - what to do?
Replies: 8
Views: 1263

Re: Credit card and now gmail hacked - what to do?

Are these two related and should I expect the rest of my accounts to be hacked as well? My gmail used a long password with numbers and it wasn't used anywhere else so I'm confused by how it happened. What else do I need to do? No way for us to know for certain. Keep an eye on all your open accounts...
by takeshi
Wed Sep 06, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Locking hub nuts on a vehicle - worth having?
Replies: 24
Views: 1132

Re: Locking hub nuts on a vehicle - worth having?

Is it still worth getting them? It's really your call to make just as worth is on any topic as worth is very subjective. If anything was universally worth it then everyone would have it and vice-versa. I haven't had problems with keys stripping but YMMV. Our wheels with locks haven't been stolen bu...
by takeshi
Tue Sep 05, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 7954

Re: Citi Costco Visa vs. Chase Sapphire Reserve

But if I cancel the CSR card I am assuming I cannot use the CSR portal so my 168,000 points will only be worth 168000 points not x 1.5 anymore? People seem to tend to focus Chase travel portal but better value can be obtained by transferring to airline partners -- especially for premium internation...
by takeshi
Tue Sep 05, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: High interest checking or cash back credit cards?
Replies: 9
Views: 841

Re: High interest checking or cash back credit cards?

I wonder if I am better off using my cash rewards cards for most everything. The more you run through them the more cash back you will get. All our spend that can be run through cards is run through cards for rewards. Do you have any concerns with regard to "better" aside from rewards amount? Credi...
by takeshi
Tue Sep 05, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: Are you a "car guy" or "car gal", how do you fund?
Replies: 41
Views: 2734

Re: Are you a "car guy" or "car gal", how do you fund?

If you switch frequnelty, do you lease every 3 years? do you buy CPO? Do you buy new and sell on your own? Does your hobby come from outside of your daily driver or is it your daily driver? We don't switch frequently. We typically purchase ~1 year old with low miles and sell/trade in. Fun car is on...
by takeshi
Tue Sep 05, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Would you rather (car wash/detail)
Replies: 31
Views: 2872

Re: Would you rather (car wash/detail)

It's the opposite for me. It takes me much longer to wash a car than it takes to run it through a hand wash place but I always hit them first thing in the morning or at another point where they're not busy. For the OP: hand wash as needed, full detail as needed once or twice a year. That said, we do...
by takeshi
Tue Sep 05, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Does anyone use Driving Shoes?
Replies: 40
Views: 3940

Re: Does anyone use Driving Shoes?

Does anyone use Driving Shoes? Not ones that are sold as such. Most seem to be too narrow for my feet. Pumas are definitely too narrow for me. I was wearing Vibram Fivefingers for spirited driving but haven't really needed them since we sold the manual sports car we had. Yes. I drive a car with a c...
by takeshi
Fri Sep 01, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 3602

Re: Discover card inquiry about income and liquid assets

Has anyone been asked to login to their account and received a similar message? Not with Discover that I recall but I have seen it with other creditors. It's not unusual. How do they want one to prove income? Haven't gone through income verification with Discover but the method can vary by creditor...
by takeshi
Fri Sep 01, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Visa CC Price Protection on Flight
Replies: 4
Views: 576

Re: Visa CC Price Protection on Flight

Does anyone know of this applies to flights?? Card is the Capital One SparknCash for Business. Always read the terms that come with your card. That stuff isn't just packing material. https://www.capitalone.com/assets/credit-cards/pdf/5g1ivOmGfC0KSSwU8G8cyk/c88dfff52ff15d95d501ad53417fa6a7/visa-busi...
by takeshi
Fri Sep 01, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1370

Re: iPhone tempered glass...$6 vs $50?

Don't solely rely on price for any product. Not sure if there are reviews for the specific screen protectors you're considering but there are reviews for a lot of options out there. I've found GD Smith to offer a good price/performance ratio for me (YMMV) but they're certainly not the only option ou...
by takeshi
Fri Sep 01, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: FICO score much improved after 'freeze'
Replies: 5
Views: 619

Re: FICO score much improved after 'freeze'

This morning I clicked "My FICO" when looking at my Citibank visa account and my score is at 826 ! Always be aware of the specific scoring model (and CRA) when referring to scores. Citi provides an Equifax FICO 8 Bankcard. This is an industry enhanced model and it is not on the same point scale as ...
by takeshi
Tue Aug 29, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: After market rear view (backup) cameras.
Replies: 19
Views: 1874

Re: After market rear view (backup) cameras.

See if there are any aftermarket interfaces for your factory system. I was looking into this for our Porsche Boxster since 2013 was prior to when they started to offer rear cameras as a factory option. NAV-TV makes an interface that would integrate an aftermarket camera with Porsche's PCM but it end...
by takeshi
Tue Aug 29, 2017 5:25 pm
Forum: Personal Consumer Issues
Topic: I ran out of credit card signups bonus...
Replies: 59
Views: 5300

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

Are there any CREDIT CARD CO that lets you do this multiple times? Sure. Read the terms of the bonus offer you're considering. I don't have a list of every single one out there but can tell you that AmEx has switched to once per offer. Chase usually requires that you have not received the offer in ...
by takeshi
Tue Aug 29, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Is ProtectMyID or other service worth it?
Replies: 12
Views: 812

Re: Is ProtectMyID or other service worth it?

I have had ProtectMyID for more years than I can remember. I was a fed, and it seems that each year or two I would get a letter from the government saying we lost your data and we are paying for ProtectMyId for you. Are they offering the exact same service as what is provided directly from ProtectM...
by takeshi
Tue Aug 29, 2017 9:44 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6812

Re: Crashplan for Home ending service late 2018

Sorry, you caught me in the middle of writing my post and it has been clarified.
by takeshi
Tue Aug 29, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6812

Re: Crashplan for Home ending service late 2018

For those considering a separate front end & cloud backend solution: Currently testing out using Cloudberry paired with Backblaze B2. Can Backblaze back up to the cloud and locally (external hard drive or flash drive) at the same time? Cloudberry allows this as does Arq (mentioned above). There are ...
by takeshi
Fri Aug 25, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Exhaust Fan for the bathroom
Replies: 59
Views: 4325

Re: Exhaust Fan for the bathroom

Any suggestions on what to go with? House is about 20 years old. And is it easy to install this, or should I call a handyman? (I am not that handy) +1 for Panasonic. They're not all equally quiet but look for the WhisperCeiling line and carefully check the specs. You may need/want to upgrade the du...
by takeshi
Fri Aug 25, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5398

Re: Oregon road trip help

hoops777 wrote:
Fri Aug 11, 2017 4:43 pm
Sounds like a great trip but Crater Lake will be another time.
That will give you some to book a room at the lodge if you're interested. Needs to be done well in advance. I would also highly recommend Crater Lake if you can make it work sometime.
by takeshi
Fri Aug 25, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6812

Re: Crashplan for Home ending service late 2018

Can Backblaze back up to the cloud and locally (external hard drive or flash drive) at the same time? Backblaze can't but if you're using Backblaze B2 for storage (or another similar cloud solution like S3, Wasabi, etc) and your backup app supports it, you can. Cloudberry allows this as does Arq (m...
by takeshi
Fri Aug 25, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: Can you "upgrade" credit cards within a company?
Replies: 13
Views: 1373

Re: Can you "upgrade" credit cards within a company?

Depends on both the creditor and the product. As stated above, some creditors do product changes and some do not. Even for those that do there can be limitations on what you can change from and what you can change to. Chase tends to be product change friendly. I've changed a Sapphire Preferred into ...
by takeshi
Thu Aug 24, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Credit Card for Student with no credit history
Replies: 9
Views: 536

Re: Credit Card for Student with no credit history

Discover seems like people with thin but clean credit profiles including young people just starting out. Keep in mind that international acceptance may be more limited than with Visa or MasterCard if that's a deciding point. Credit unions can also be a generally good place to look for first credit c...
by takeshi
Thu Aug 24, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Returning / Exchanging purchased items ?
Replies: 24
Views: 1573

Re: Returning / Exchanging purchased items ?

Polling doesn't really matter -- do what works for you and what fits the retailer's policy. Using a retailer's return policy as a way to rent products (i.e. it is known that the product will be returned before the purchase is made) is abuse IMO and not something I will do. I'm wondering if Best Buy ...
by takeshi
Wed Aug 23, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6812

Re: Crashplan for Home ending service late 2018

I'm not sure that Carbonite is going to do it for me though I don't recall all the reasons why it didn't seem suitable for me off the top of my head. Some are posted above though. Considered Blackblaze, which shifted to the Wirecutter's top recommendation with Crashplan backing out of the home marke...
by takeshi
Wed Aug 23, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4970

Re: Lowes vs Home Depot

Which store is your go to for home and yard projects ? Neither is my go to. My go to is a local, independent hardware store. If I need something from a store like HD or Lowe's they're interchangeable in my book and the nearest 2 locations for each are not only about the same distance from us but lo...
by takeshi
Mon Aug 21, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3036

Re: Advantages of Having No Credit Score

You don't need a credit card to rent a car. I rented one in June and used a debit card with no hassle. You don't need a credit card for car rentals, hotels, etc but it can be more hassle and risk than it is with a credit card. Whether or not the hassle and risk are concerns are for the individual t...
by takeshi
Mon Aug 21, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Advantages of Having No Credit Score
Replies: 42
Views: 3036

Re: Advantages of Having No Credit Score

Now I'm left wondering if having no score has any advantages. No real advantages. It can be a hassle to not have established credit but one can work around it if desired. Less damage due to identity theft The damage isn't any less. Negative items are still negative items and will still hold you dow...
by takeshi
Mon Aug 21, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Free computer support?
Replies: 11
Views: 1175

Re: Free computer support?

You're going to have to be a lot more specific and provide a lot more detail if you're going to look for support like that. Another person cannot effectively troubleshoot your problem without an accurate description of what is going on as he/she cannot see your computer and can only rely on what you...
by takeshi
Mon Aug 21, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 2769

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

All of the above. We're streaming more than we have in the past but we still go to the theater. Purchases of physical copies are down but we do still purchase content on disc when image quality is paramount since streaming compression sometimes compromises image quality -- especially in scenes with ...
by takeshi
Mon Aug 21, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1408

Re: Home Theater Help

Always provide numbers. What's your budget? A number or range is really needed as a starting point. Are you only streaming or do you have content on discs or other formats as well? What sort of surround sound setup are you looking for? There are a number of options but how many speakers and what spe...
by takeshi
Mon Aug 21, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1707

Re: iPhone upgrade through Apple vs through carrier

I feel like regardless you pay for the price of the phone somewhere...how many installments of that $20 payment...what is the price for your access line...etc...so I'm not buying that Apple is "more expensive" than any other place. It just depends on the details when one is looking to upgrade. We n...
by takeshi
Mon Aug 21, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 55
Views: 4403

Re: Kitchen knife set. Good quality - Recommendations

If you're interested in Japanese knives, take a look at Tojiro's DP line which provides high quality & good value. I don't buy sets either but my main knives are Shun Classics. If I knew what I did now when I was buying the Shuns I would have purchased Tojiro DP's instead. Definitely learn to hone a...
by takeshi
Fri Aug 18, 2017 7:46 am
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 877

Re: which 27 inch imac to purchase?

As always, you can find info on a given product on the company's site: https://www.apple.com/support/products/mac.html Purchase AppleCare+ with your new Mac. Or buy it within 60 days of your Mac purchase Purchase options are also listed on that page. Back when AppleCare (versus AppleCare+) was avail...
by takeshi
Fri Aug 18, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 498

Re: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

Obsolete depends on your usage -- not just the tech itself or its age. If you don't know what a port is then it will probably be irrelevant to you. If you want feedback you need to give us some idea of what you intend to connect and how long you intend to keep the machine. There are some who are doi...