Search found 71 matches

by othermike27
Mon Jul 13, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: VoIP phone: Any advice....
Replies: 20
Views: 952

Re: VoIP phone: Any advice....

We have ooma, and just plugged ooma into the router and the telephone base unit into ooma and placed the cordless extensions throughout the house. We don't use the existing phone wiring/jacks at all. Although the router and ooma and telephone base unit are all on my desk, we can retrieve voice mail...
by othermike27
Tue Jun 23, 2020 5:53 am
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 64
Views: 5929

Re: Pilot, Highlander or CX-9

...have read not so good things about infotainment and transmission. Bought a 2019 Pilot Touring for wife 2 years ago; very pleased with it. If you are referring to the early issues with the Touring's 9-speed transmission made by ZF of Germany, rest easy. During a test drive I was able to get the t...
by othermike27
Fri Jun 12, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: caulk puncture tool ?
Replies: 71
Views: 3811

Re: caulk puncture tool ?

Normchad wrote:
Fri Jun 12, 2020 3:44 pm

Funny enough, the last picture at that link shows the caulk gun, with the puncture pin fully deployed.
Yes it does, but the first picture is a 360 view that shows no pin.
by othermike27
Sun Jun 07, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Chase reducing credit card limits
Replies: 141
Views: 15346

Re: Chase reducing credit card limits

Question: is there a method to reallocating some credit line to a new credit card from Chase? I have done exactly this on several occasions when adding another card or increasing credit limit in anticipation of heavy use/big purchase. You can also close a card and ask that the credit limit be trans...
by othermike27
Sat Jun 06, 2020 6:01 am
Forum: Personal Consumer Issues
Topic: 2020 Prius and Car Buying Process
Replies: 15
Views: 1070

Re: 2020 Prius and Car Buying Process

I am inclined not to share the quotes with them. Happy to hear other opinions. I go two rounds of quotes. I solicit a first round of OTD quotes by email from dealers giving them only enough info to complete the quote and to understand that if they don't satisfy my request, they have no chance to wi...
by othermike27
Sun May 31, 2020 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Fraud charges on Netflix using Bofa Card
Replies: 9
Views: 1060

Re: Fraud charges on Netflix using Bofa Card

To counter issues like this and others, I suggest two practices for all of us. First, monitor every open account regularly no matter how often/little you use it. We usually use 4 credit cards and have other accounts for travel or other purposes, but I review all open credit card accounts weekly. Ban...
by othermike27
Sun Apr 19, 2020 8:12 am
Forum: Personal Investments
Topic: Best Hub Bank
Replies: 31
Views: 3140

Re: Best Hub Bank

OP, you say, "... but I'm inclined to open a backup hub account." How would you use the backup hub? - replace: migrate all your links and business from USAA to the backup - duplicate: recreate all links at the backup so it functions as a true backup to USAA - divide: split links/business between USA...
by othermike27
Sat Apr 11, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Home office monitor?
Replies: 39
Views: 1684

Re: Home office monitor?

The Dell U3419W seems to be out of stock, even at Dell. Amazon shows a couple 3rd party sources, but one is used and the other wants >$950. :shock:
by othermike27
Fri Apr 10, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Home office monitor?
Replies: 39
Views: 1684

Re: Home office monitor?

OP, here's another alternative: ASUS MB16AC USB Screen. I bought mine at Micro Center for ~$250, but I think Best Buy has them now for $199. This is a really thin, light and portable add-on screen with a USB-C connection that I use on the road or at home as a second screen. I have a Dell Latitude 74...
by othermike27
Thu Mar 12, 2020 5:03 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9503

Re: Suggestions for wife's new luxury (or non luxury) SUV????

I hope you have great luck with the car..most issues Honda seems to get right in the long run..has Honda tried to sell you all the services that they say are needed on the new Pilot transmissions and rear a differencials? I have been driving Acura vehicles for 20 years and a Honda before that, so I...
by othermike27
Mon Mar 09, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9503

Re: Suggestions for wife's new luxury (or non luxury) SUV????

Just an idea, we have a 2019 Pilot and we bought the EX-L since we wanted the more tested 6 speed automatic transmission. Acura has had issues with the 9 speed in their units so we decided to avoid that. Bought a 2019 Pilot with Touring trim one year ago. Before deciding on a Pilot I test drove a 9...
by othermike27
Sun Feb 09, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27775

Re: What is the best concert you ever witnessed?

Muddy Waters at the Quiet Knight in Chicago - 1974-76 or thereabouts. WXRT recorded this and broadcast it later as one of their "Unconcert" series (sponsored by the Uncola - 7-Up).
by othermike27
Wed Jan 08, 2020 9:45 am
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 246
Views: 32289

Re: Is Cash Trash? The Purpose of Cash

This may come of surprise to some, but some people actually prioritize a return OF their money equal to or greater than a return ON their money. One of my work colleagues liked to say that his goal was to accumulate enough money that he could keep it all in a mattress if he wanted to, and dispense ...
by othermike27
Wed Jan 08, 2020 9:13 am
Forum: Personal Investments
Topic: EE or I series bonds for retirement?
Replies: 29
Views: 3142

Re: EE or I series bonds for retirement?

Bligh: >>..."I find that the ability to preserve the principal [with savings bonds] is not discussed much."... Bligh makes a solid point, this "forever rally" in bonds means most of us have never seen a real sustained, and long-term, bond bloodbath. Balanced funds have seen great risk-adjusted retu...
by othermike27
Mon Dec 30, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: What Happens to Credit Score when Freezing Credit?
Replies: 19
Views: 1764

Re: What Happens to Credit Score when Freezing Credit?

But one small caveat from an anecdotal report: friend was chasing bank account high rates (or maybe it was signup bonus) and applied with Bank A. They denied him because he forgot to unfreeze his credit and they couldn't check it. Meantime, he found a deal he liked better with Bank B, so went with ...
by othermike27
Mon Dec 30, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: What Happens to Credit Score when Freezing Credit?
Replies: 19
Views: 1764

Re: What Happens to Credit Score when Freezing Credit?

Nothing happens to your credit score when you freeze/unfreeze. But one small caveat from an anecdotal report: friend was chasing bank account high rates (or maybe it was signup bonus) and applied with Bank A. They denied him because he forgot to unfreeze his credit and they couldn't check it. Meanti...
by othermike27
Sat Dec 28, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dealership shenanigans
Replies: 25
Views: 3173

Re: Dealership shenanigans

I never take extended warranties or dealer financing, but they always push those any way. I have tried unsuccessfully to get the closing process sped up. I am interested how others may have been successful doing that. After the first one or two pitches, I tell the F+I person (politely) that I will ...
by othermike27
Mon Dec 09, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Summer trip to Germany ideas requested
Replies: 50
Views: 2563

Re: Summer trip to Germany ideas requested

Be advised that the Passion Play (a once-every-10-years-event) starts in Oberammergau in Spring 2020 and runs every day through Summer. Big crowds may affect surrounding area of Bavaria, including Garmisch-Partenkirchen.
by othermike27
Sun Dec 08, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Sales Pitch?
Replies: 28
Views: 3286

Re: Vanguard Sales Pitch?

how do I authenticate the person asking for the info? If I contact VG via a previously known-to-me and openly advertised channel, that's fine; responding to a cold-call is not. As mentioned above, it's bad form to encourage customers to give out private info to someone who calls out of the blue. No...
by othermike27
Sun Dec 08, 2019 7:04 am
Forum: Investing - Theory, News & General
Topic: Vanguard Sales Pitch?
Replies: 28
Views: 3286

Re: Vanguard Sales Pitch?

So VG initiates the customer contact, then asks the customer to verify their identity. Wow. OP is being polite calling this "not a real swift idea." If I get called I will request that the rep give me their personal double secret identifier so I can call their boss and complain. Regardless of who i...
by othermike27
Fri Dec 06, 2019 6:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard Sales Pitch?
Replies: 28
Views: 3286

Re: Vanguard Sales Pitch?

I suspect these calls are just part of their recent increased marketing/P.R. campaign, to make sure their brokerage clients are happy. Overall, it was a very benign interaction. I have no problem with the type of call you describe. (I likely wouldn't get one unless they leave a message since we let...
by othermike27
Thu Dec 05, 2019 6:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Sales Pitch?
Replies: 28
Views: 3286

Re: Vanguard Sales Pitch?

I received my first sales call from Vanguard (maybe, I guess) yesterday. ... But if it was Vanguard, it's not a real swift idea to have a sales rep make an unsolicited call and ask to "go over" the portfolio. At least, not in my opinion. Agreed. Maybe it's worth you giving VG a call to verify that ...
by othermike27
Thu Dec 05, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Sales Pitch?
Replies: 28
Views: 3286

Re: Vanguard Sales Pitch?

I received my first sales call from Vanguard (maybe, I guess) yesterday. ... But if it was Vanguard, it's not a real swift idea to have a sales rep make an unsolicited call and ask to "go over" the portfolio. At least, not in my opinion. Agreed. Maybe it's worth you giving VG a call to verify that ...
by othermike27
Fri Nov 22, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Stinky Front Loader (Washer)
Replies: 66
Views: 6230

Re: Stinky Front Loader (Washer)

UPDATE: It appears that TIVATTOM's suggestion to use powered detergent WORKS! I can't believe it ended up being such a simple solution. I'm not 100% positive that this is the fix, but after sanitizing the washing machine with with a clean cycle and Clorox, it's been about 17 days with no stink. Thi...
by othermike27
Tue Nov 19, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: Over the stove microwave lights burning out; replace with LEDs?
Replies: 12
Views: 1068

Re: Over the stove microwave lights burning out; replace with LEDs?

We have a 17" clearance between bulb housing and cooktop. What's yours? Halogen bulbs also generate lots of heat by themselves and my guess is that operating them in a confined space like the light fixture on the bottom of a microwave would be more likely to cause burnout than heat generated by the ...
by othermike27
Fri Nov 01, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 3196

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: 2599

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: 4044

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: 1894

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: 5596

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: 4706

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: 4706

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: 6570

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: 3680

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: 66
Views: 5336

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: 1503

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: 9912

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: 9912

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: 9912

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: 976

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: 2646

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: 1336

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: 1336

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: 1336

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: 98
Views: 10927

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: 1849

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: 10759

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: 154
Views: 13101

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: 3356

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: 4663
Views: 905480

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 ...