Search found 98 matches

by Trism
Fri Sep 14, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1836

Re: Need burner phone for wife traveling in Italy

Go to eBay and buy a Blu android for ~$50. Sign in. Swap the SIM card from your good phone to the cheap phone when needed. Search for "Blu android" and you get many new options for $50 (under and over). Blu has been caught multiple times preloading malware on their phones. I would never consider us...
by Trism
Sun Sep 09, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2103

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

My spouse drives a Prius.

I have a mobile detail company come to the house once a year and clean it thoroughly inside and out.

If I didn't do that, by this time the car would have seen exactly one car wash, which would have been right before the dealer handed us the keys.
by Trism
Sun Sep 09, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: car purchase feedback experience
Replies: 20
Views: 1171

Re: car purchase feedback experience

I've helped several friends and family members buy cars, and in general the worst dealerships were Toyota and GM. One of the Toyota places lied to us and told us that the red exterior/tan interior a friend of mine wanted didn't exist, but they had several red/greys in stock. The guy told us that Toy...
by Trism
Thu Sep 06, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14846

Re: The Fall of Consumer Reports

A decent ad campaign should bring in significantly more revenue than the cost of the advertising itself. For a lot of businesses, no advertising means limited/no growth. A decent ad campaign, absolutely. Is spending more mailing advertisements to me than I pay for subscription a decent ad campaign?...
by Trism
Tue Sep 04, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: How much do you spend on kids extracurriculars?
Replies: 85
Views: 4572

Re: How much do you spend on kids extracurriculars?

The time was a bigger deal than the money for us. It is good to have some team sports so that they can learn to be part of a team, and see what kinds of teammates they like and appreciate, and what kinds they don't. But our limit was one sport at a time. We've argued left and right with the older o...
by Trism
Tue Sep 04, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: Walmart is not Amazon
Replies: 54
Views: 6690

Re: Walmart is not Amazon

Burger King is not Wendy's.
by Trism
Mon Sep 03, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: Best place to exchange dollars to euros?
Replies: 49
Views: 3513

Re: Best place to exchange dollars to euros?

I you are a Bank of America Preferred Rewards customer they waive standard delivery fees and give a preferred exchange rate (compared to non-Preferred customers) on foreign currency. This is a recent enhancement to their loyalty program. We do this for the initial, limited amount of foreign currency...
by Trism
Mon Sep 03, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score mysteriously dropped
Replies: 10
Views: 1116

Re: Credit Score mysteriously dropped

The notification came from Nerdwalket, but I checked it with my Discover. I don't obsess over it, however I am looking for a house. Whenever I have needed to check it, it has been over 800. There has been a lot of activity and new accounts since my mom passes 20 months ago. It just doesn't make sen...
by Trism
Mon Sep 03, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Hard Credit Inquiry from Credco
Replies: 10
Views: 1273

Re: Hard Credit Inquiry from Credco

Thanks all, I am in the process of checking on this inquiry. Like one poster said, it will resolve in a couple years, but I don't like the fact that it went through, especially since I don't remember authorizing any queries. I did thaw my credit for three days to purchase a car, and the Credco inqu...
by Trism
Mon Sep 03, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4344

Re: Zelle, online payments

To me, This is one of those “unknown unknowns” While I don’t think I’m a Luddite, anything that is even tangentially attached to my accounts scares the you know what out of me. Everything is fine.......until it isn’t. And then it comes out that everyone should have known about the vulnerability. We...
by Trism
Sun Sep 02, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14846

Re: The Fall of Consumer Reports

My father was a subscriber for years, and I eventually decided to get a subscription a couple years ago. What turned me off of resubscribing was that the useful information that I expected to see in the magazine was now behind a paywall, and that I started receiving mailings nonstop. I figured that...
by Trism
Sat Sep 01, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6332

Re: Lexus vs. Mercedes

No one looks back at their life and wishes they had spent more time driving a Honda Fit.
by Trism
Fri Aug 31, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit report question - expunging invalid derogatory marks
Replies: 10
Views: 969

Re: Credit report question - expunging invalid derogatory marks

I've got derogatory marks on my credit report because a family member died and then she didn't pay her bill on time. I was merely an authorized user, so there doesn't seem to be a requirement that you are legally responsible for the unpaid bill. But this doesn't really seem to effect my ability to ...
by Trism
Fri Aug 31, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Credit report question - expunging invalid derogatory marks
Replies: 10
Views: 969

Re: Credit report question - expunging invalid derogatory marks

CreditBoards is a great forum to get help with credit-related issues.
by Trism
Fri Aug 31, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Credit report question - expunging invalid derogatory marks
Replies: 10
Views: 969

Re: Credit report question - expunging invalid derogatory marks

Two things come to mind: Add a statement on the credit reports saying to look at the date of when the bill was incurred, and that her birthdate was mmm dd, yyyy (to indicate that it was incurred before she could legally incur such a bill). It may do little, but somebody might recognize that she cou...
by Trism
Fri Aug 31, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Nespresso?
Replies: 87
Views: 6325

Re: Nespresso?

- Makes pretty good espresso; better than a stovetop, the Gaggia on a bad day, or Starbucks on any day This is not expresso is moka expresso/coffee STop hanging out in BH and hang out in other blogs (i.e. coffeegeeks). They'll tell you Nespresso is crap. Like any pressurized portafilter expresso. I...
by Trism
Fri Aug 24, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: The Fall of Consumer Reports
Replies: 89
Views: 14846

Re: The Fall of Consumer Reports

I lost all respect for CR after they laid off the staff of the consumerist, an amazing (but now defunct) milennial-run consumer-focused website. I do believe they're toast. I'd give it another 10 years, at most, unless they get rid of Maria Tellado, the CEO, and make some other wholesale changes. F...
by Trism
Fri Aug 24, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: CC 31 days overdue
Replies: 22
Views: 2083

Re: CC 31 days overdue

The whole "closing accounts will hurt your credit score" deal is highly exaggerated IMO. If closing an old credit card account pushes your credit score down to a point where it would actually matter, you either have other credit "issues" in your file or have an extremely thin credit history. I agre...
by Trism
Fri Aug 24, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Barclay Card with American Airlines
Replies: 16
Views: 1181

Re: Barclay Card with American Airlines

I have one but I don't think it's No Foreign Transaction fee. Is it is, at least the Aviator Red I have is no FTF. I assure you that the Aviator has no FTF. I used mine about 20 times in the UK over the past two weeks, and Barclays sent me an email reminder that the card charges no FTFs EVERY TIME ...
by Trism
Fri Aug 24, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: CC 31 days overdue
Replies: 22
Views: 2083

Re: CC 31 days overdue

The whole "closing accounts will hurt your credit score" deal is highly exaggerated IMO. If closing an old credit card account pushes your credit score down to a point where it would actually matter, you either have other credit "issues" in your file or have an extremely thin credit history. I agre...
by Trism
Sun Aug 19, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3792

Re: Best (most practical, low cost) Luggage for Airline Travel

Most common, mass-market luggage brands have offerings at a variety of price points and quality. Regardless of size, I've found the best value at the upper end of the Samsonite line, and I generally buy it at TJ Maxx or Marshall's when it's on clearance. Since the inventory at these types of stores ...
by Trism
Sun Aug 19, 2018 2:57 am
Forum: Personal Consumer Issues
Topic: Credit Card Fraud - $30K
Replies: 56
Views: 5955

Re: Credit Card Fraud - $30K

OP, Credit Karma's credit score isn't a real FICO score, it is Vantage 3.0, which virtually no one actually uses. I am sure your FICO score decreased as well, but not over 100 points. Best of luck getting this resolved. Correct. Kredit Carma provides skores almost no one uses to evaluate creditwort...
by Trism
Sun Aug 19, 2018 2:46 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2813

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging...
by Trism
Fri Aug 17, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2813

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging...
by Trism
Fri Aug 17, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2813

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging...
by Trism
Fri Aug 17, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2205

Re: Tipping lawn service and trash pickup

I always tip $30 when renewing my driver's license, and $20 every time I do a return at Old Navy. If the dryers work really well at the laundromat, leave a five behind on the table.
by Trism
Fri Aug 17, 2018 3:49 am
Forum: Personal Consumer Issues
Topic: Costco penny install sale & road hazard terms
Replies: 31
Views: 2813

Re: Costco penny install sale & road hazard terms

I intended to buy tires at Costco several weeks ago, but when I went into the store and visited the tire department with a couple of questions there was no one there. I stopped back later and there were about 12 people waiting for assistance and one very busy guy working behind the counter. Judging ...
by Trism
Fri Aug 17, 2018 3:18 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on where to keep safe money
Replies: 10
Views: 1498

Re: Need advice on where to keep safe money

Some other high interest checking/savings accounts seem to require a hard pull. Sorry to hear of your loss and your current health situation. I'm not commenting on the merits of any of the suggestions in this thread, I am merely encouraging you never to let a credit inquiry stand between you and a ...
by Trism
Thu Aug 16, 2018 5:00 am
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 42
Views: 4231

Re: Most Effective Rat Poison

Arby's
by Trism
Thu Aug 16, 2018 4:58 am
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 5255

Re: Vacation- home precautions?

Sometimes it's okay to run with scissors.
by Trism
Thu Aug 16, 2018 4:56 am
Forum: Personal Consumer Issues
Topic: Return Protection: Citi Doublecash
Replies: 12
Views: 1345

Re: Return Protection: Citi Doublecash

There are only a limited number of circumstances where closing a credit card will hurt your credit score, most of which involve carrying high balances on the subject card and/or other cards, which is very un-BH. My FICO 8 scores are currently in the 830s across the board. I've closed two cards in th...
by Trism
Thu Aug 16, 2018 4:45 am
Forum: Personal Consumer Issues
Topic: Moving company - arbitration experience?
Replies: 4
Views: 738

Re: Moving company - arbitration experience?

I don't know about moving, but the use of arbitration is growing in popularity with consumers dealing with credit repair/debt collection. In that arena the arbitration is the credit card company's/lender's expense. It costs the lender thousands of dollars per case, and they often fold when the consu...
by Trism
Thu Aug 16, 2018 4:07 am
Forum: Personal Consumer Issues
Topic: Discarding dead cell phone without purging my data
Replies: 33
Views: 2928

Re: Discarding dead cell phone without purging my data

Do you have State secrets stored on that phone?
by Trism
Tue Aug 14, 2018 12:55 am
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2580

Re: Using Uber Without A Cellular Data Connection

My first firsthand experience with a Tesla Model S was a taxi at AMS. I generally don't want to deal with figuring out public transportation from the airport in new cities especially after flying all night, and often not at all unless it's fastest by a significant amount of time. It's not just figur...
by Trism
Mon Aug 13, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1512

Re: Marriott Free Certificate

If you have a Category 1-5 Marriott property in mind I'd book in now. You can always cancel with 72 hours of arrival and get the certificate back. If your stay is after 8/21 you can effectively redo your redemption without penalty based on info available on 8/18. Is this 72 hr for all hotels, or do...
by Trism
Mon Aug 13, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1512

Re: Marriott Free Certificate

If you have a Category 1-5 Marriott property in mind I'd book in now. You can always cancel with 72 hours of arrival and get the certificate back. If your stay is after 8/21 you can effectively redo your redemption without penalty based on info available on 8/18. Is this 72 hr for all hotels, or do...
by Trism
Mon Aug 13, 2018 2:48 am
Forum: Personal Consumer Issues
Topic: Marriott Free Certificate
Replies: 11
Views: 1512

Re: Marriott Free Certificate

If you have a Category 1-5 Marriott property in mind I'd book in now. You can always cancel with 72 hours of arrival and get the certificate back.

If your stay is after 8/21 you can effectively redo your redemption without penalty based on info available on 8/18.
by Trism
Mon Aug 13, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: Junk Mail
Replies: 28
Views: 2665

Re: Junk Mail

Abolish and dissolve the USPS.

In the rare case something is important and must be physically sent it can be delivered overnight by a private carrier.
by Trism
Mon Aug 13, 2018 12:26 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25005

Re: most compelling TV character ever

Definitely Alf.
by Trism
Mon Aug 13, 2018 12:24 am
Forum: Personal Consumer Issues
Topic: Unlocked iPhone on eBay or Amazon?
Replies: 22
Views: 1424

Re: Unlocked iPhone on eBay or Amazon?

I've had excellent experiences buying three different used unlocked iPhones on Amazon. All three were in better condition than described. Others have covered how to screen sellers. Last Christmas I attempted a refurbished iPhone from Target.com, and although it was described as "like new" it looked ...
by Trism
Sun Aug 05, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Random person gets mail to my house
Replies: 5
Views: 1130

Re: Random person gets mail to my house

Our home sits on a piece of property that was subdivided by a developer shortly prior to the home being built in 2004. Our street address literally did not exist before the land was subdivided, and we are the original owners of the home. Yet we still get mail for an individual we do not know. It's n...
by Trism
Sun Aug 05, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Best way to send flowers out of town
Replies: 21
Views: 1266

Re: Best way to send flowers out of town

www.thebouqs.com is my favorite. They have a wide selection of unique flowers at great prices, many with free delivery. For the money the bouquets are large and impressive. I often get photos from the recipient. What better way to know that your recipient was delighted than when they share a picture...
by Trism
Sun Aug 05, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7436

Re: Minivan Vs SUV Experience

To me it's like choosing a house with a larger yard because you think the dog will like it better. If we currently had a dog (which we don't), we would definitely factor in an appropriate yard for the dog when considering purchasing a home. Obviously the adults make the decision, not the dog or the...
by Trism
Sat Aug 04, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6299

Re: are mccormick gourmet spices better

Penzey's Vietnamese cinnamon is so good it will blow your wig off.
by Trism
Sat Aug 04, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7436

Re: Minivan Vs SUV Experience

To me it's like choosing a house with a larger yard because you think the dog will like it better. I'm not directly comparing dogs to children, but keep some perspective. Whether or not children encounter minor inconveniences entering/existing a car before they're in elementary school has no bearin...
by Trism
Sat Aug 04, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7436

Re: Minivan Vs SUV Experience

Whether or not children complain about - or like - a car wouldn't be a factor for us. Boo. Boo who? Kids complain about brushing their teeth, or doing homework, or having to walk from one end of the grocery store to the other, or having to hug Grandma. It's up to you if children complaining is a ma...
by Trism
Sat Aug 04, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: AAA & AARP = Travel Benefits?
Replies: 27
Views: 2555

Re: AAA & AARP = Travel Benefits?

So someone (!!!) who's a youngster not eligible for AARP membership I've been a member of AARP (mainly for the travel discounts) on and off since my mid 30s. If you are old enough to pay the membership fee you are old enough to become a member. I'm not currently a member because I've gotten better ...
by Trism
Sat Aug 04, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7436

Re: Minivan Vs SUV Experience

Just wanted to share my thoughts between minivan and SUV. We have a 2015 Toyota Sienna, a minivan, and it has been a pretty boring in terms of look and drive but super practical hauling our kids and extended family members, though we don’t realize it until we got a 2018 Volvo XC90 as a loaner for a...
by Trism
Sat Aug 04, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 7436

Re: Minivan Vs SUV Experience

Just wanted to share my thoughts between minivan and SUV. We have a 2015 Toyota Sienna, a minivan, and it has been a pretty boring in terms of look and drive but super practical hauling our kids and extended family members, though we don’t realize it until we got a 2018 Volvo XC90 as a loaner for a...
by Trism
Fri Aug 03, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Phone Rental for South America?
Replies: 15
Views: 757

Re: Phone Rental for South America?

Most of the time the standard advice is "get a local SIM when you arrive." Problem is that depending on where you are going it's not that simple, especially if you want to have service immediately upon arrival. Presumably, the OP is flying there. In my experiences, most international airports will ...