Search found 1843 matches

by neilpilot
Thu Oct 11, 2018 3:15 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4724

Re: Keep a backup hot water heater?

I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before it pops. Actually the longer warranty unit is typically identical EXCEPT it has either 2 an...
by neilpilot
Thu Oct 11, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4724

Re: Keep a backup hot water heater?

I read somewhere that the only difference between water heaters and their warranty is the price . They're basically all the same. I buy the cheapest heater I can find in the size I want and replace it before it pops. Actually the longer warranty unit is typically identical EXCEPT it has either 2 an...
by neilpilot
Thu Oct 11, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4724

Re: Keep a backup hot water heater?

I'm struggling with this as well. Water Heater is 14 years old Never had an issue with it Never have done anything to it This isn't good; i.e. your anode(s) protecting the tank from corrosion is likely gone In the next room over(Basement) is my home theater that I'd rather not ruin I'm not worried ...
by neilpilot
Wed Oct 10, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4724

Re: Keep a backup hot water heater?

My hot water heaters (2-40 gallon) are approaching 15 years old. ........ I plan to install it myself and this would save me a trip to the Home Depot during a morning family crisis (I can imagine it now). ... First off, I can't see crisis since you have 2 water heaters when one does fail you will s...
by neilpilot
Mon Oct 08, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5522

Re: Geico umbrella us dropping me. What can I do?

Dropping insureds happens. Personally I would enjoy more loyalty, but that's not how it works. I'm fairly certain you will need to move all policies to another insurer to get umbrella coverage. Incorrect.....I have auto+umbrella thru GEICO, and home thru Farmers. Also, as previously mentioned, GEIC...
by neilpilot
Mon Oct 08, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5522

Re: Geico umbrella us dropping me. What can I do?

I didn't need a CLUE report to know that there was a claim on file for a car that I had sold 4 days prior, but I ordered the report so that I could add a comment to the file against a claim that wasn't legit. Even though I retained my plates and transferred insurance to a replacement car, a driver a...
by neilpilot
Mon Oct 08, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 184
Views: 35159

Re: GEICO auto rates vs. USAA: too good to be true?

As a really old time policy holder, I can't imagine that GEICO or any other company will be lower than USAA for me, taking into account the various policies and annual disbursements I get from them. If by that you mean that USAA is charging you less because you've been with them for a long time, th...
by neilpilot
Thu Oct 04, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2090

Re: AARP UnitedHealthCare Plan G

I compared the cost of the premium for my current plan F vs. plan G for me in Oregon on the AARP web site and plan F was cheaper!! I don't know why except that I have been with Plan F for many years and maybe that gives me a deduction of some kind. If I was a first-timer (newcomer), then plan G wou...
by neilpilot
Thu Oct 04, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Class Action Lawsuit..... Should I Join ?
Replies: 18
Views: 2384

Re: Tesla Class Action Lawsuit..... Should I Join ?

1) Your "loss" is $3,389.13, ...... 5) Lawyers pull 30% out of the settlement pool for costs etc.; your potential recovery now - $875 Not likely - more like a $50 off coupon for your next purchase of a Tesla vehicle. DJ - are you speaking from experience? I've only participated in one investor rela...
by neilpilot
Thu Oct 04, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2090

Re: AARP UnitedHealthCare Plan G

Semes that all insurers in a given market area essentially offer the same Plan G coverage, and actual payment is determined by CMS and not the insurer. Therefore, with the exception of future premium increases, unless there’s a real difference in others aspects of how the policy is administered I s...
by neilpilot
Thu Oct 04, 2018 4:07 am
Forum: Personal Consumer Issues
Topic: AARP UnitedHealthCare Plan G
Replies: 33
Views: 2090

Re: AARP UnitedHealthCare Plan G

Semes that all insurers in a given market area essentially offer the same Plan G coverage, and actual payment is determined by CMS and not the insurer. Therefore, with the exception of future premium increases, unless there’s a real difference in others aspects of how the policy is administered I se...
by neilpilot
Wed Oct 03, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Cruise deals?
Replies: 47
Views: 3153

Re: Cruise deals?

On two different Bermuda cruises, after booking - close to the departure dates - we were upgraded to a better cabin at no charge. My opinion is that it makes little sense to pay more for cabins on todays ships. A last minute upgrade is often given to those who overpaid for their initial accommodati...
by neilpilot
Mon Oct 01, 2018 6:06 am
Forum: Personal Consumer Issues
Topic: How to tell contractor you don't plan to pay him. [Roofing]
Replies: 65
Views: 5967

Re: How to tell contractor you don't plan to pay him.

I challenge the OP to actually find evidence that a shingle manufacturer has ever paid a meaningful warranty payment. I have a good friend who is with one of the top 2 roofing manufacturers and he says that their warranty is simply good marketing, since claims are as rare as unicorns. Some online re...
by neilpilot
Mon Oct 01, 2018 5:53 am
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5522

Re: Geico umbrella us dropping me. What can I do?

Years ago, GEICO refused to give us homeowners insurance because they thought our roof was too old. We did eventually have the roof replaced 10 years after that, but just because we were getting a few curling shingles, not because of damage or leaks. I don't even check GEICO anymore for insurance. ...
by neilpilot
Sun Sep 30, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Geico umbrella us dropping me. What can I do?
Replies: 37
Views: 5522

Re: Geico umbrella us dropping me. What can I do?

Years ago, GEICO refused to give us homeowners insurance because they thought our roof was too old. We did eventually have the roof replaced 10 years after that, but just because we were getting a few curling shingles, not because of damage or leaks. I don't even check GEICO anymore for insurance. ...
by neilpilot
Wed Sep 26, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5983

Re: Oil change interval for low-mileage vehicles

I drive only 1000 miles a year in my Toyota Tacoma, and the manual says to change at 5000 miles or six months. If I drove as much as you I'd change it every six months. I change mine yearly because changing the oil at 500 miles just seems absurd. FWIW, the oil looks pristine at 9000 miles. I have h...
by neilpilot
Wed Sep 26, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5983

Re: Oil change interval for low-mileage vehicles

Personally, I'm a fan of replacing filter (and topping off oil) at 6 months and oil at 1 year (with a high quality synthetic) for my low milage cars. While I'd stick to an annual oil and filter change every year, if I wanted to cut back I would pick the opposite tact, i.e. changing the oil at 6 & 1...
by neilpilot
Tue Sep 25, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 602
Views: 87934

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So, 350,000 CRVs recalled in China and now 290,000 Civics apparently for the same oil dilution issue. I can't help but wonder why that isn't happening here in the U.S. Are we just stupid, is the Chinese government simply more aggressive in dealing with car makers, or what? When have you ever seen a...
by neilpilot
Tue Sep 25, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2336

Re: Flu shot reaction? Getting flu shot this year?

There is a flu vaccine (quadrivalent vaccine) that offers more protection. It is costlier than the single vaccine flu shot. It was $75 at Publix, single vaccine was $25. However, all the info I see says that it is a Medicare approved vaccine, and would be covered. I contacted my insurance, and they...
by neilpilot
Tue Sep 25, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2336

Re: Flu shot reaction? Getting flu shot this year?

Impossible to get the flu with the shot, you might have some side effects but it is not the flu. Never reacted, get yearly. Incorrect.....the shot protects from strains selected based on past outbreaks. A strain not covered from the flu shot can occur. Just last year was a classic example, with the...
by neilpilot
Tue Sep 25, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2336

Re: Flu shot reaction? Getting flu shot this year?

I got mild Guillain-Barre from my first (and last) flu shot. My neurologist said to never get a whole list of vaccinations, and that if I did, each reaction would be worse. 17 years ago I also had Guillain-Barre symptoms, with temporary paralysis on the shot side of my body (arm and leg). The neuro...
by neilpilot
Tue Sep 25, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Flu shot reaction? Getting flu shot this year?
Replies: 69
Views: 2336

Re: Flu shot reaction? Getting flu shot this year?

Impossible to get the flu with the shot, you might have some side effects but it is not the flu. Never reacted, get yearly. Incorrect.....the shot protects from strains selected based on past outbreaks. A strain not covered from the flu shot can occur. Just last year was a classic example, with the...
by neilpilot
Tue Sep 25, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Out of warranty repair for a Braun toothbrush?
Replies: 17
Views: 635

Re: Out of warranty repair for a Braun toothbrush?

Also, a new electric Braun toothbrush should cost $30-70. The ones that are $100+ don't brush any better but are full of extra gimmicks like screens to show you smiley faces when you brush and bluetooth integration for your phone (seriously). Cheapest Braun one I've seen is $80.. Maybe I am not sea...
by neilpilot
Tue Sep 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5983

Re: Oil change interval for low-mileage vehicles

Oil testing, if done regularly, can give you important information on the health of your engine. However a single test isn't very useful, since you need to follow trending. However, it makes absolutely no sense to pay for an oil test simply to justify reducing your oil change frequency. My cost of a...
by neilpilot
Tue Sep 25, 2018 7:12 am
Forum: Personal Consumer Issues
Topic: Car predicament
Replies: 14
Views: 2425

Re: Car predicament

Hello Bogleheads, A family member brought this up to me. He has a Kia Forte 2012 with a blown engine. Doing some quick research this car has had issues along with other Kia models with the same engine. It should have been recalled but wasn't. A "blown engine", whatever that is, doesn't sound like a...
by neilpilot
Mon Sep 24, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 602
Views: 87934

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

If someone can come up with a cheap circulation system that separates gas from motor oil safely instead of heat and evaporate, that would be nice. Imagine just plug it in to clean up diluted oil after driving, put the extracted gas back into the tank to save more if possible. Problem solved... :) I...
by neilpilot
Mon Sep 24, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

Although not every country or territory is included in Project FI. Currently, there are 170 countries on the Project FI website and some of are not really independent countries such as Hong Kong. The UN has 193 member states and if areas under jurisdiction of other countries are counted (such as Ar...
by neilpilot
Sun Sep 23, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

You do realize that you don't need to use any data to navigate via GPS. The only data required is if you need real time traffic updates, or if you are not disciplined to download the maps you need via wifi. I don't realize much. :wink: But I am assuming that tracking (recording) horizontal and vert...
by neilpilot
Sun Sep 23, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

You do realize that you don't need to use any data to navigate via GPS. The only data required is if you need real time traffic updates, or if you are not disciplined to download the maps you need via wifi.
by neilpilot
Sun Sep 23, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: vacation in the Ozarks
Replies: 15
Views: 1742

Re: vacation in the Ozarks

We're currently in the Kansas City area and have never been to the Ozarks. We'd like to see them from Oct 5-8th to catch their autumn glory. Any suggested itinerary would be welcome. While there will be some color then, you will be a bit early for this year's peak. Actually, there are typically 2 p...
by neilpilot
Sun Sep 23, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

Are you sure Bonaire is covered? Yes. Bonaire is officially PART of the Netherlands, same as Hawaii is part of the US... The fact that Bonaire is part of the Netherlands does not necessarily imply coverage. Even parts of the contiguous 48 United States don't have coverage. Furthermore, as I said in...
by neilpilot
Fri Sep 21, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6526

Re: My Very First Smartphone — Please Critique This Plan

I can easily see myself using the phone for: GPS traffic weather/radar news watching short videos streaming music email taking pictures, both casually and somewhat more seriously (My old compact point-and-shoot was actually very good, except in low light. I expect the phone will be an upgrade in th...
by neilpilot
Thu Sep 20, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25270

Re: What is your single most expensive mistake?

Decided to take out a larger than necessary mortgage so more assets could remain invested, when we purchased our current home. That was 10 years ago. Just before the great market downturn. Which would have turned out fine if you had stayed the course. Or did you sadly compound the issue by pulling ...
by neilpilot
Wed Sep 19, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25270

Re: What is your single most expensive mistake?

Then your only lost key expense (assuming you’re near home and/or a family member can rescue you with a key) is roadside assistance, and buying a new key. I wouldn’t bother changing locks (especially if car is garaged) because you unprogram the lost key (it can never start engine again). That may b...
by neilpilot
Wed Sep 19, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25270

Re: What is your single most expensive mistake?

Then your only lost key expense (assuming you’re near home and/or a family member can rescue you with a key) is roadside assistance, and buying a new key. I wouldn’t bother changing locks (especially if car is garaged) because you unprogram the lost key (it can never start engine again). That may b...
by neilpilot
Wed Sep 19, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52986

Re: That Extravagant Thing You Do

We travel often, but rarely drive over an hour. Use our own airplane for most trips except international or transcontinental. It sometimes costs more than the airlines, but it's often faster. We can fly on our own schedule.
by neilpilot
Wed Sep 19, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Long term stays/vacations
Replies: 11
Views: 1597

Re: Long term stays/vacations

We've both been fully retired since March 2017, and I suspect we've been away from home about a third of the time. It would have been more except we have 2 dogs that stay home with a live-in sitter when we travel. Trips vary from a 4 day weekend to a couple of 3 week stays. We discovered a web site ...
by neilpilot
Tue Sep 18, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25270

Re: What is your single most expensive mistake?

Decided to take out a larger than necessary mortgage so more assets could remain invested, when we purchased our current home. That was 10 years ago. Just before the great market downturn.
by neilpilot
Tue Sep 18, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1179

Re: Gas leak detector?

A tradesman smelled a faint gas odor and called the gas company who verified the presence of a very small leak in the gas piping. The Kidde detector didnt give any warning. So, I dont think consumer grade detectors work. These detectors are typically calibrated to alarm at 25% of the LEL, which for...
by neilpilot
Tue Sep 18, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: New SUV
Replies: 24
Views: 2161

Re: New SUV

In my opinion here's how to make a lease work for you.....buy a 3 year old car that has just come off lease. If you shop a bit, you can acquire a car that the previous leaseholder had taken that initial hit on.
by neilpilot
Tue Sep 18, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: When did you decide to move from your home to senior living?
Replies: 15
Views: 3087

Re: When did you decide to move from your home to senior living?

Sorry if this represents topic creep, but...........Assuming that you have decently priced LTCI, how does that mesh with a CCRC? In other words, if you've paid up front for a CCRC will you essentially collect little or nothing from your LTCI policy if you later require assisted living within the CCRC?
by neilpilot
Tue Sep 18, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Gas leak detector?
Replies: 21
Views: 1179

Re: Gas leak detector?

My wife has an amazing gas detector. I just blame the dog. The good news is that natural gas and propane are not toxic. But of course they are explosive in the right concentration. And if you breathe exclusively gas and no air, you will be asphyxiated, but that's pretty hard to accomplish. If a nat...
by neilpilot
Tue Sep 18, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 859

Re: Honda Lawnmower Warranty Issue

It should not be leaking except in really extreme cases, unless it were an old carburetor with gaskets that are not compatible with 10% ethanol. Do you know that the old Honda engine carb gaskets were incompatible with ethanol, or are you speculating? I ask because I bought my current Honda mower i...
by neilpilot
Tue Sep 18, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 859

Re: Honda Lawnmower Warranty Issue

Jack FFR1846 wrote:
Tue Sep 18, 2018 9:36 am
I've got a Honda mower that's about 5 years old. I put whatever crap gas I have hanging around. It continues to run fine.
I bought my Honda mower in the mid-1980s, use regular gas, empty the tank and carb bowl when going into winter storage, and it still runs fine.
by neilpilot
Tue Sep 18, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Honda Lawnmower Warranty Issue
Replies: 17
Views: 859

Re: Honda Lawnmower Warranty Issue

My 2.5 year old Honda HRX lawnmower was not starting well, idling roughly, leaking fuel from the carburetor, and even backfired, so I took it to the local Honda dealer for repair. When I dropped it off and when I picked the lawnmower up, the employees stated the repairs were covered under warranty ...
by neilpilot
Mon Sep 10, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 130
Views: 18282

Re: Xfinity Mobile

This seems like a decent deal compared to Verizon but there has to be a catch other than having to pay for overpriced tv/internet? My guess is they will jack the price up eventually. Well we cut the TV cord 8 years ago, and only pay $33/mo for internet. We’ve had 2 phone with xfinity for a year, an...
by neilpilot
Mon Sep 10, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Run Air Conditioner even if not needed?
Replies: 30
Views: 3040

Re: Run Air Conditioner even if not needed?

Run for a few minutes every month of inactivity. Definitely not 10-15min every day!

This is also true if your auto AC hasn’t run for an extended period, but realize that the auto AC runs in defogger mode as well.
by neilpilot
Sat Sep 08, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Trenchless Sewer line repair
Replies: 4
Views: 936

Re: Trenchless Sewer line repair

I used this method twice since the repair, in both cases, passed under a concrete pad supporting structures and equipment. I wasn't paying for the service, but in both cases repair was quick and successful.
by neilpilot
Fri Sep 07, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 85
Views: 11921

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

In my case Enterprise told me that Ford was NOT paying insurance. You should contact Ford to confirm that they are not PROVIDING insurance. They maybe covering you on their own and not paying Enterprise. That's the way rentals worked when I was traveling on business. My company PROVIDED coverage bu...
by neilpilot
Wed Sep 05, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7121

Re: Daily Driver (Car) Over 100K Miles?

I had a Honda Civic until it reached 170k. The transmission broke and took the clutch with it, so I was looking at ~4k bill. I sold the car for 700$. If you don't want maintenance costs chose a car with a transmission chain. A lot of them are like this nowadays (including my Honda Civic). A "transm...