Search found 46 matches

by othermike27
Fri Nov 01, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 2828

Re: Consider the next phase of our travel?

If you aren't subscribed to International Travel News already, I suggest a visit to https://www.intltravelnews.com/

Most helpful for people who want to travel to places "off the main stem," but still of interest for anyone looking for ideas and information about international (i.e., non-U.S.) travel.
by othermike27
Wed Oct 30, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: White list +CAPTCHA type solutions for land-lines?
Replies: 22
Views: 2426

Re: White list +CAPTCHA type solutions for land-lines?

It's been a while - time for another periodic bump of this thread in case new solutions have emerged. Again, my goal is a system that would allow some phone numbers (that I/we specify) through directly, and for others (those not on the white list and/or with a higher probability of being spam), the...
by othermike27
Tue Oct 29, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Part D - thinking of shifting to Walmart
Replies: 34
Views: 3438

Re: Part D - thinking of shifting to Walmart

I have used Humana/Walmart for several years. Pleased with service overall. You can phone in a refill and be notified when it's ready, so no delay in pickup service. Usually no more than one or maybe two people in line ahead of me when I get there. Also get flu & other shots there. Have not tried to...
by othermike27
Mon Oct 28, 2019 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Hotel "incidentals" credit card precharge?
Replies: 24
Views: 1699

Re: Hotel "incidentals" credit card precharge?

This was an actual charge and not just a credit hold. More likely it’s just a pending charge, which is exactly how a hold works. That’s pretty much how it’s always worked in my experience, for rental cars as well, as a way for the business to know the card is good and will potentially accept an est...
by othermike27
Sat Oct 19, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: 2019 year end car buying experience
Replies: 46
Views: 5086

Re: 2019 year end car buying experience

Thanks. Very helpful tips. Have you had better luck in months closer to year end by any chance? I have received very good offers in the last week of the year, but I have also gotten good offers at month-end throughout the year. I have followed James Bragg's approach for new car buying for nearly 30...
by othermike27
Fri Oct 18, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3866

Re: Moving my home landline phone number to MagicJack - good idea?

RickBoglehead wrote:
Fri Oct 18, 2019 6:25 am
Porting is moving the number so the contacts that want your number to stay the same got what they wanted...
Is this your personal experience? I'm not asking what porting is or how it's supposed to work. I'm asking for experience reports on how it actually worked in practice.
by othermike27
Fri Oct 18, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 3866

Re: Moving my home landline phone number to MagicJack - good idea?

For those who have ported their landline phone number to any of these VOIP services: some contacts want you to call them from the phone number they have on file for you to expedite their service. Common example would be activation of a credit card you receive to replace one that is expiring. If you ...
by othermike27
Tue Oct 15, 2019 4:53 am
Forum: Personal Consumer Issues
Topic: Help me find some high quality cargo pants.
Replies: 63
Views: 5424

Re: Help me find some high quality cargo pants.

Check out 5.11 Tactical for several choices of cargo pants. Some are all synthetic, some are cotton blends. I like the $80 APEX pants, a 67:33 poly/cotton blend that comes in several colors and, at least in black or navy, doesn't look like you're dressing for a SWAT team event. (In case you are on a...
by othermike27
Sat Oct 12, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 3166

Re: lastpass noob question

For shopping, forums, and credit cards, I do not see issues with storing passwords in a password manager. However, I personally would not store bank and financial institution information within a password manager. This is how I have used LastPass for several years. I need to track too many online a...
by othermike27
Thu Oct 03, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 60
Views: 3994

Re: How did your Windows 10 upgrade go?

For anyone who is still standing on the side of the Windows 10 pool wondering whether to jump in, ZDNet columnist Ed Bott maintains a useful page of resource material to help with your decision to make the jump, to get W10 for free (still) and to work through install issues. Worth checking out for b...
by othermike27
Wed Oct 02, 2019 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Question about calling around for car insurance quotes
Replies: 17
Views: 1397

Re: Question about calling around for car insurance quotes

Asking a bogus question often results in a bogus answer. Don't assume that you would be the first to try a tactic like this. And don't assume that the insurance company you call won't be able to pull up your driving record.
by othermike27
Mon Sep 30, 2019 4:55 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7865

Re: Humana Part D - ILLINOIS - premiums up up up

Notice that your plan is changing from Preferred to Basic. It sure seems to me that Humana, and maybe others, are going to a 2-tier set of plans. The basic plan is keeping a low price, while the preferred plan is getting a major hike. My plan (CT) is becoming preferred. Others on this thread with p...
by othermike27
Sun Sep 29, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7865

Re: Humana Part D - ILLINOIS - premiums up up up

Monthly premium for each of DW and I will go down $1.00 in Jan. More detail: 2019 Humana Preferred Rx Plan (PDP) S5884-107 State of Illinois Monthly premium = $26.20 Annual deductible = $415 2020 Humana Basic Rx Plan (PDP) S5884-107 State of Illinois Monthly premium = $25.20 Annual deductible = $43...
by othermike27
Sat Sep 28, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 7865

Re: Humana Part D - ILLINOIS - premiums up up up

Monthly premium for each of DW and I will go down $1.00 in Jan.
by othermike27
Tue Sep 17, 2019 3:15 am
Forum: Personal Consumer Issues
Topic: Options for travel emergencies - AAA, Amex, travel agencies, etc.
Replies: 14
Views: 850

Re: Options for travel emergencies - AAA, Amex, travel agencies, etc.

For in-depth information I recommend checking out International Travel News at: https://www.intltravelnews.com/ You'll find tips, info and resources on all sorts of things worth knowing. They have looked at various travel insurance policy options and have suggestions for different situations. Modest...
by othermike27
Sun Aug 18, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: New laptop advice
Replies: 39
Views: 2440

Re: New laptop advice

10 months ago I bought a Dell Latitude 7490: i7-8650U, 16GB, 512GB SSD, ~14 " matte 1920x1080. Has both touchpad and pointing thingie, but I prefer a mouse. Very pleased with it. I "downgraded" from an older Dell XPS-13 with an annoying screen issue, possibly an LED backlight that was going bad. The...
by othermike27
Wed Jul 24, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1205

Re: Medigap Broker or Not

neilpilot wrote:
Wed Jul 24, 2019 9:16 pm
Actually, the system Medicare has online for evaluating the annual Plan D alternatives is the only online tool they offer that actually does a nice job of simplifying Plan D comparisons. It takes me only about 15 minutes each year to select a Plan D.
Thanks, I will check that out.
by othermike27
Wed Jul 24, 2019 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1205

Re: Medigap Broker or Not

I'm in Plan F and wish I could get into Plan G but can't since underwriting is required to switch. Process when we switched from F to G was to fill out an application (same form as first application) and send it to broker. Nothing more for me to do, but DW had to answer a few questions by phone, th...
by othermike27
Wed Jul 24, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Broker or Not
Replies: 26
Views: 1205

Re: Medigap Broker or Not

I turn 65 in September. I’ve received my Medicare card for Part A and B. I’ve decided on Medigap plan F plan after looking at the Medicare Advantage options in my area. I’ve picked out a Medigap insurer and a Part D drug plan. Is there a reason I should work with a broker rather than sending in the...
by othermike27
Sun Jul 21, 2019 4:43 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 93
Views: 9086

Re: Acura RDX vs Audi Q5

I have driven an Acura for 18+ years: 2002 TL-S Type, 2010 TSX, and now a 2016 RDX Advance (6 cyl). Also just replaced wife's 2010 RDX (4-cyl Turbo) with a 2019 Pilot Touring. All 3 of the SUVs are AWD. I am quite happy with my RDX and would certainly consider replacing it with another RDX, but I wo...
by othermike27
Fri Jul 19, 2019 6:38 am
Forum: Personal Investments
Topic: Ultimate permanent, balanced portfolio?
Replies: 12
Views: 1670

Re: Ultimate permanent, balanced portfolio?

Outstanding write up on the 64/40 allocation by Bernstein. http://web.archive.org/web/20061214061904/http:/dfmadvisors.com/pdf/Bernstein6040.pdf R. Ferri on Bernstein's 60/40 http://www.etf.com/sections/index-investor-corner/ferri-wisdom-6040-portfolios-timeless?nopaging=1 Thanks for posting these....
by othermike27
Thu Jul 18, 2019 1:08 pm
Forum: Personal Investments
Topic: Just sat through a wealth-management sales pitch.
Replies: 96
Views: 10449

Re: Just sat through a wealth-management sales pitch.

I just sat through 1-hour wealth-management sales presentation phone-call with a well-established 1% manager firm. It was a favor to a family friend whose daughter just started with that firm fresh out of college, and needed to meet a first month pitch quota. I respectfully disagree with this premi...
by othermike27
Tue Jul 09, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 7862

Re: Buying a Smoker

If you have a 22" Weber kettle to start, go to Meathead Goldwyn's site http://amazingribs.com/table_of_contents.html for more info than you ever thought was out there about BBQ and smoking. Then consider buying a Slow-n-Sear accessory for your Weber from the guys at Adrenaline BBQ: https://abcbarbec...
by othermike27
Fri Jun 21, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Synchrony savings accounts?
Replies: 40
Views: 3035

Re: Ally or Synchrony or other for savings?

I use Alliant. Good 1 year CD rates and good savings rate. Plus it’s a credit union and not a bank. +1 for Alliant. Good savings rate, instantaneous transfers between checking & savings. Easy to do a CD online. ACH push xfer from Alliant to bank shows up next business day if done before noon Centra...
by othermike27
Fri Jun 21, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4141
Views: 793004

Re: What's Your Credit Card Rewards Strategy?

(it's my longest running line of credit and want to keep it open to avoid a hit to my credit score) People overestimate how much this matters. The hit to your credit score is likely to be a few points. And if it's a difference between 797 and 800, it won't make any difference to what interest rate ...
by othermike27
Tue Jun 18, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Bank won't give Medallion Signature Guarantee for anything related to savings bonds
Replies: 17
Views: 2160

Re: Bank won't give Medallion Signature Guarantee for anything related to savings bonds

Other posters have noted up-thread that a MSG is not required for savings bonds, so this is a bit off-topic. I had to get a MSG in connection with a recent transfer of a security. Had to make an appointment with my bank's Medallion officer. She specifically asked the value of the security in questio...
by othermike27
Sat Jun 15, 2019 8:09 am
Forum: Personal Investments
Topic: CDARS - Can anyone share experience?
Replies: 7
Views: 1176

CDARS - Can anyone share experience?

In a current parallel thread, https://www.bogleheads.org/forum/viewtopic.php?p=4594747#p4594645 a response mentioned CDARS - the Certificate of Deposit Account Registry Service. Does anyone have experience using this service that you're willing to share? In particular, I would like to get a sense of...
by othermike27
Tue May 07, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Where do you shop to get best deal for home appliance/electronics?
Replies: 22
Views: 2180

Re: Where do you shop to get best deal for home appliance/electronics?

Abt www.abt.com, a one-store Chicagoland institution is our go-to place. They have competitive prices online, but if you call and speak with a sales person they can usually do better. Free shipping on everything I think, and no sales tax outside Illinois. Good customer service, and I believe they a...
by othermike27
Sun Apr 28, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: Rental Car insurance
Replies: 17
Views: 1463

Re: Rental Car insurance

Last summer I had my first claim ever with a rental car: brutal hailstorm in Denver-Boulder area left dents and cracked glass. I use a Chase Sapphire Reserve card for rentals, which includes the usual rental coverages as the primary payer, meaning your own auto insurance is not involved. Took 4-5 m...
by othermike27
Sun Apr 28, 2019 4:16 am
Forum: Personal Investments
Topic: In this case, should I be 100% stocks?
Replies: 63
Views: 6986

Re: In this case, should I be 100% stocks?

Will the job change affect your social security payments? If so you will want to consider this in your calculations. Losing some of this annuity-like income may change your asset allocation decision. +1 For this subject, I don't see a federal pension (with its social security offset) as being much ...
by othermike27
Sat Apr 20, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Need vacuum recomendations
Replies: 41
Views: 4614

Re: Need vacuum recomendations

Just bought a Bissell AirRam 1984 - $160 on Amazon. This is a stick vacuum variant with rechargeable (and replaceable!) battery. Excellent reviews from CR and Youtube reviewers: https://www.youtube.com/watch?v=DK6JuveNeOI We have mostly hardwood floors with some carpeted bedrooms. Seems to work quit...
by othermike27
Sat Mar 30, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Rental Car insurance
Replies: 17
Views: 1463

Re: Rental Car insurance

Last summer I had my first claim ever with a rental car: brutal hailstorm in Denver-Boulder area left dents and cracked glass. I use a Chase Sapphire Reserve card for rentals, which includes the usual rental coverages as the primary payer, meaning your own auto insurance is not involved. Took 4-5 mo...
by othermike27
Fri Mar 29, 2019 11:18 am
Forum: Investing - Theory, News & General
Topic: I-bond phase-out strategy
Replies: 9
Views: 1250

Re: I-bond phase-out strategy

David Enna has been writing about I-Bonds and TIPS for years and is a great source of info and strategy. Check out his recent column on Seeking Alpha: https://seekingalpha.com/article/4250918-inflation-warriors-time-buy-bonds He addresses your question directly, and points out that the new rate will...
by othermike27
Sun Mar 24, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Need some help with slow folders in Windows
Replies: 33
Views: 1936

Re: Need some help with slow folders in Windows

Those should be ok. A defragment is a good idea when you have idle time. I thought it wasn't a good idea/necessary to defragment an SSD drive. Or is that an 'old wives tale'? Defragmenting a SSD is not a good idea! Defrag shortens access speeds for a spinning hard disk, but does nothing for SSD per...
by othermike27
Sat Mar 23, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Close my AT&T Universal Card?
Replies: 43
Views: 5376

Re: Close my AT&T Universal Card?

Another 1990 "charter member" of the AT&T Universal VISA card here. Used it all the time back when the 30 minutes/month calling card feature actually meant something, but not so much anymore. A few years ago, I called Citi and requested that it be changed to a Double Cash, which they did with no pro...
by othermike27
Mon Mar 04, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9767

Re: Best place to buy Microsoft Office 2019....

There is another good discount source if you are eligible to use the AAFES website, and that now includes all military veterans. Check out https://www.shopmyexchange.com Last year, the Office 365 $100 multi-pack license listed for (I think) $69, but it was on sale at only $49. When I checked last mo...
by othermike27
Sat Feb 09, 2019 6:34 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13121

Re: Consensus on I Bonds for 2019?

David Enna's articles at
https://tipswatch.com/about/
are a good source of info on I-bonds and TIPS
by othermike27
Fri Feb 01, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 63
Views: 4207

Re: Need Objective Mattresses Ratings and Reviews

Here is an informative site I have used before:

https://www.sleeplikethedead.com/

Quirky name, but helpful, unbiased info. Happy researching/shopping.
by othermike27
Thu Jan 31, 2019 7:37 am
Forum: Personal Investments
Topic: Byline Bank for CDs?
Replies: 11
Views: 1050

Re: Byline Bank for CDs?

Im a big fan of online banks such as Ally, Synchrony, Marcus, and others. The problem with banks is that the dozen or so CD terms they have, only 1 or 2 of these terms will be competitive. If you forget to renew, they automatically renew your old CD in the same term, and the rate may be horrible. M...
by othermike27
Wed Jan 30, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Ford recently? Advice please...
Replies: 58
Views: 5179

Re: Anyone bought a Ford recently? Advice please...

OP, I'm a Honda/Acura fanboy myself and can offer no insights on Ford trucks. But I can recommend a buying process that has been quite satisfactory to me since the early '90's. Don't approach vehicle buying as you negotiating with folks who negotiate car sales for a living - think of it as you evalu...
by othermike27
Mon Jan 28, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Tax Season Tax Options
Replies: 39
Views: 3943

Re: Tax Season Tax Options

Triple digit golfer wrote:
Sat Jan 26, 2019 1:45 pm
I am using freetaxusa at the recommendation of Bogleheads. So far I like it a lot.
They are online only, with no option to buy/download software, correct?
by othermike27
Mon Jan 28, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to structure small consulting business for 3 years only
Replies: 17
Views: 716

Re: Best way to structure small consulting business for 3 years only

The problem is that the client of mine was bidding on government business (that's why it took so long), and all subcontractors included in the bid had to go through extensive approval process. I don’t know if it’s even possible for them to change subcontractor at this point in time. This is yet ano...
by othermike27
Mon Jan 21, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 15081

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

For travel and general business/"smart casual" stuff, I have been using Haggar's eclo Stria permanent press slacks for several years: - no iron, permanent crease, resists wrinkles as well or better than others I've tried - straight or pleated front - lightweight, all synthetic materials, including s...
by othermike27
Mon Jan 14, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 36
Views: 2922

Re: Credit score dropped dramatically, while credit has been frozen

Check your online credit score and reports with each of the three majors: Experian, Equifax, Transunion. They (and other info sources like Credit Karma) usually indicate which factors or events affect your score most (positive or negative). You can see your report for free with each one, so start th...
by othermike27
Tue Sep 06, 2016 5:40 am
Forum: Investing - Theory, News & General
Topic: Investing at Level 3 [any book reviews?]
Replies: 16
Views: 9377

Re: Investing at Level3

I'm in the same situation as you, and I have the same question. After receiving several "infomercial-style" email pitches, I would probably not buy the book before seeing an objective review of it. It is being pitched to AAII members at $20 off the retail $49, with a 12-month full refund, but I'm pu...
by othermike27
Mon Jun 13, 2016 7:18 am
Forum: Investing - Theory, News & General
Topic: retirement planning, and how retirement can lead to poor decisions
Replies: 5
Views: 1939

Re: retirement planning, and how retirement can lead to poor decisions

As Louis Rukeyser's used to say, "Don't just do something, stand there!"