Search found 97 matches

by gac1979
Thu Feb 25, 2021 11:20 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 384
Views: 49285

Re: Don't pay full price for SiriusXM radio

Just got my renewal notice for XMSelect at $16.99 + $3.64 (royalty)/month x 2 (two cars). I went on to cancel and get offered a lower rate but the offered rate was still $12.99 plus royalties for Mostly Music. I haven't done a chat or call yet. Do the chat. Our renewal notice for Select was the sam...
by gac1979
Tue Jan 12, 2021 1:05 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 20
Views: 1705

Re: Dental Insurance

Dental insurance are just prepaid dental payments, you really don't come out ahead unless your employer pays the premiums. Family of four. We buy our dental insurance off the exchange. Roughly $125 a month. In a “good” year where we each only have 2 cleanings/yr and x-rays, we still come out ahead....
by gac1979
Mon Aug 10, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Autotrader bait and switch
Replies: 39
Views: 4331

Re: Autotrader bait and switch

What is the status of the vehicle(s) on the dealer’s website? Perhaps there is a lag with the info getting to a third-party website.
by gac1979
Tue Jun 30, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Spectrum cord-cutting question
Replies: 5
Views: 641

Spectrum cord-cutting question

We currently have Spectrum for tv and internet. TV select is $72.49. Receiver is $7.99. DVR is $12.99. Broadcast TV surcharge is a whopping $13.50. We have been considering cutting the cord, but I just saw the YouTube TV price increase today. I imagine the rest of the streaming services won’t be far...
by gac1979
Sat Jun 27, 2020 7:33 am
Forum: Personal Consumer Issues
Topic: I keep getting someone else's mail
Replies: 27
Views: 2160

Re: I keep getting someone else's mail

What type of mail? Big difference between a credit card statement vs advertising junk mail.
by gac1979
Wed Jun 24, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Okay to have 2 health insurance for child (parents and his work)?
Replies: 13
Views: 1035

Re: Okay to have 2 health insurance for child (parents and his work)?

Thanks for replies. I am thinking more towards a safety net (loss of employment of either parent or self) during these uncertain times. There are already a number of safety net options for loss of employment. Cobra is one potential option. Second, loss of employment is typically a qualifying event ...
by gac1979
Sat Jun 20, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: Where can I buy a car seat NOT made in China?
Replies: 30
Views: 2539

Re: Where can I buy a car seat NOT made in China?

Is there something wrong with car seats made in China? You saw the title of the post. Are you just looking for an argument? Huh? Why so defensive? This is a legitimate question and I was wondering the same thing. Should I be avoiding car seats made in China also? Is there a safety issue you can sha...
by gac1979
Sat Jun 20, 2020 7:17 pm
Forum: Personal Consumer Issues
Topic: Where can I buy a car seat NOT made in China?
Replies: 30
Views: 2539

Re: Where can I buy a car seat NOT made in China?

Is there something wrong with car seats made in China? You saw the title of the post. Are you just looking for an argument? Huh? Why so defensive? This is a legitimate question and I was wondering the same thing. Should I be avoiding car seats made in China also? Is there a safety issue you can sha...
by gac1979
Wed Jun 17, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3191

Re: Daycare - paying to hold a spot

My wife and I went through this same issue. OP - what is your benchmark for sending your toddler back to daycare? In other words, what has to happen for you to send the toddler back regardless of money? A vaccine? Being called back to “regular” work? Schools to reopen? Without an answer to that, it ...
by gac1979
Wed Jun 17, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Daycare - paying to hold a spot
Replies: 45
Views: 3191

Re: Daycare - paying to hold a spot

Deleted
by gac1979
Sat Mar 28, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: Any ex-lawyers here?
Replies: 44
Views: 4152

Re: Any ex-lawyers here?

I’m a lawyer and am 40 years old. Kind of the same boat as you. One difficult thing I’ve encountered when applying for jobs outside of law is that most people will either view you as 1) overqualified or 2) unwilling to work for less money. The obvious alternative career paths are govt. lobbying or s...
by gac1979
Wed Feb 12, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1775
Views: 150638

Re: Coronavirus (Consumer Issues) How you are preparing?

I guess I just don't see how this is different than a flu outbreak, which happens all of the time and no one makes special precautions. My kids daycare and the local Catholic school were both closed for a few days this week because so many kids had the flu. I don't know what the percentage was, but...
by gac1979
Tue Jan 28, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Buying a new-construction home
Replies: 28
Views: 3283

Re: Buying a new-construction home

We bought a new construction house in 2015. Small amount of wiggle room, but we were one of the first few houses in the development. Builder didn’t want to budge much on price likely due in part to fear of setting the bar too low for future sales. We were able to negotiate some decent upgrades that ...
by gac1979
Tue Jan 28, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Buying a new-construction home
Replies: 28
Views: 3283

Re: Buying a new-construction home

Is the house already built or do you have the option of picking out finishes and/or springing for some upgrades?
by gac1979
Wed Jan 22, 2020 2:30 am
Forum: Personal Consumer Issues
Topic: Benefits of buying things secondhand?
Replies: 93
Views: 7567

Re: Benefits of buying things secondhand?

Pro - no sales tax on used goods We bought 99% of all our baby needs used either through consignment sales or Facebook Marketplace. The car seat/travel system we bought was unused, “Like new - item will come in original packaging, packaging will be damaged” condition for about half off retail msrp....
by gac1979
Thu Jan 16, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Closing cost review
Replies: 14
Views: 1457

Re: Closing cost review

A bit off topic, but I chose not to escrow property taxes and homeowners insurance. I’m perfectly capable of writing a check twice a year for property tax. More importantly, I can pay my insurance with a credit card and collect the points/cash back.
by gac1979
Tue Jan 14, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Tips on resources to teach kids about social media risks, smart phone use risks etc....
Replies: 12
Views: 584

Re: Tips on resources to teach kids about social media risks, smart phone use risks etc....

I believe in an incremental approach. My daughter is in elementary school and many of her friends started getting phones. So, I pulled the SIM card out my old iPhone 6s and let her buy a new case. So, now she has a “phone”, but can’t call or text. She has access to the internet and AppStore. We fig...
by gac1979
Tue Jan 14, 2020 2:51 pm
Forum: Personal Consumer Issues
Topic: Tips on resources to teach kids about social media risks, smart phone use risks etc....
Replies: 12
Views: 584

Re: Tips on resources to teach kids about social media risks, smart phone use risks etc....

I believe in an incremental approach. My daughter is in elementary school and many of her friends started getting phones. So, I pulled the SIM card out my old iPhone 6s and let her buy a new case. So, now she has a “phone”, but can’t call or text. She has access to the internet and AppStore. We fig...
by gac1979
Tue Jan 14, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Tips on resources to teach kids about social media risks, smart phone use risks etc....
Replies: 12
Views: 584

Re: Tips on resources to teach kids about social media risks, smart phone use risks etc....

I believe in an incremental approach. My daughter is in elementary school and many of her friends started getting phones. So, I pulled the SIM card out my old iPhone 6s and let her buy a new case. So, now she has a “phone”, but can’t call or text. She has access to the internet and AppStore. We figu...
by gac1979
Fri Jan 10, 2020 3:41 pm
Forum: Personal Consumer Issues
Topic: Sprint service?
Replies: 19
Views: 1270

Re: Sprint service?

I’ve had sprint for many years and am happy. However, all cell coverage is location dependent. Plug your location into the sprint coverage map for a guesstimate of how it would be for you.

https://coverage.sprint.com/IMPACT.jsp?
by gac1979
Sat Jan 04, 2020 3:24 am
Forum: Personal Consumer Issues
Topic: Cosmetology School vs Traditional College
Replies: 99
Views: 6541

Re: Cosmetology School vs Traditional College

Perhaps she knows exactly what she wants as HS junior, but why not encourage her to take a year after high school and travel/volunteer/work part time? Maybe she will change her mind, maybe she won’t. But either way, she will have a year of the “real” world under her belt before making a decision. As...
by gac1979
Thu Dec 26, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 4180

Re: Toyota Camry transmission problems in 2018-2019

If you bargain hard on a new Camry, it may not be too much more than a late model used one. Used Camrys hold their value very well. They are more expensive than most other makes. It depends on how tight your budget is. Top My budget is not tight. Skipping the bargaining process and buying something...
by gac1979
Wed Dec 25, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Toyota Camry transmission problems in 2018-2019
Replies: 21
Views: 4180

Re: Toyota Camry transmission problems in 2018-2019

I looked into buying a Camry last year.

There was a tsb that called for a reflash of the transmission due to shifting issues. Most people reported that the reflash worked well.
by gac1979
Tue Dec 24, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Auto Liability Insurance - amounts? $250k/$500k/$100k OK?
Replies: 17
Views: 2017

Re: Auto Liability Insurance - amounts? $250k/$500k/$100k OK?

There are no such things as “low impact” collisions with a pedestrian or motorcyclist.
by gac1979
Wed Dec 18, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Casual slip on shoes
Replies: 25
Views: 2718

Casual slip on shoes

Does anybody have a recommendation for a casual slip on shoe to wear for everyday use with blue jeans etc? Looking at the Merrell Jungle Mocs....
https://www.merrell.com/US/en/jungle-moc/17703M.html
by gac1979
Mon Dec 16, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: What to do? Car dilemma...
Replies: 61
Views: 3751

Re: What to do? Car dilemma...

You have the N20 engine (the 4 cylinder with the notorious plastic timing chain guide). Known issue for years. The repair can easily get into five figures. Just google it. You will find plenty of information.
by gac1979
Sat Dec 07, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2518

Re: New passport how long to obtain?

Since you are essentially applying for a new passport, make sure you check your birth certificate. They now require one with your parents’ middle names. I had the old “short” form with only middle initials. That didn’t work when I applied for a new passport. I had to obtain the “long” form birth cer...
by gac1979
Tue Nov 19, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: What to replace my 2010 Q5 with
Replies: 39
Views: 2623

Re: What to replace my 2010 Q5 with

Upgrade to an SQ5
by gac1979
Thu Nov 14, 2019 7:42 pm
Forum: Personal Consumer Issues
Topic: Consequence of senior not paying phone bill and closing account [Resolved]
Replies: 38
Views: 3088

Re: Consequence of senior not paying phone bill and closing account

If they still drive, their auto insurance premiums (in most states) are largely determined by their credit scores. How much was the bill? Bill was $500. They probably have perfect credit today. My mom drives Toyota Camry, an old one, nothing fancy in the future. I was just trying to point out that ...
by gac1979
Thu Nov 14, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: Consequence of senior not paying phone bill and closing account [Resolved]
Replies: 38
Views: 3088

Re: Consequence of senior not paying phone bill and closing account

If they still drive, their auto insurance premiums (in most states) are largely determined by their credit scores. How much was the bill?
by gac1979
Tue Nov 12, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: acura rdx or mercedes glc300 small luxury suv
Replies: 16
Views: 1498

Re: acura rdx or mercedes glc300 small luxury suv

What year glc are you considering? We own a 2019, but there are several key changes for the 2020.
by gac1979
Mon Nov 11, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Kohl's credit card refuse to refund undelivered order
Replies: 27
Views: 1401

Re: Kohl's credit card refuse to refund undelivered order

I don’t get it. By all accounts, there was no fraud. Instead, it was a shipping snafu. It’s not Kohl’s fault, nor your fault. Wait until a day or two before the bill is due, then pay it and wait for the refund. Then shop elsewhere from now on.
by gac1979
Thu Nov 07, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 918

Re: Car accident, insurance questions

Be prepared that you may to file suit against the at fault party (not their insurance company) before you collect anything for DV. Thanks for this! Super useful. One clarification - are you suggesting that for Diminished Value claim, I need to sue the insured party instead of the insurance company ...
by gac1979
Thu Nov 07, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Car accident, insurance questions
Replies: 17
Views: 918

Re: Car accident, insurance questions

Deleted
by gac1979
Fri Aug 30, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?
Replies: 26
Views: 2996

Re: OBD Malfunction Code #B0020-13 on Honda CRV: dealer can't fix - what to do?

It's not that it can't be fixed; they don't want to fix it. Warranty repairs are reimbursed by Honda Corp at a lower rate than retail customers pay. I'd ask the service adviser what the purpose of a warranty is if the car can't be repaired when it's broken. Warranty repairs are free money for the d...
by gac1979
Wed Aug 28, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: My Car Insurance Premiums Went Down !!
Replies: 6
Views: 706

Re: My Car Insurance Premiums Went Down !!

Comprehensive is, in part, based on the value of the car. Assuming nothing else changes, that portion of your premium should decrease each year.
by gac1979
Wed Aug 21, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Best undergrad majors ahead of Law school?
Replies: 75
Views: 4157

Re: Best undergrad majors ahead of Law school?

As a lawyer, I would add a few somewhat relevant points. 1) Most lawyers never see the inside of a courtroom, unless they are public defenders. So her mock trial experience, albeit impressive, is not necessarily indicative of anything she would ever do in a legal career. 2) Undergrad major doesn’t m...
by gac1979
Mon Jul 22, 2019 6:43 pm
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 4787

What companies provide the best customer service

I know there is a long thread about favorite consumer products. However, I can’t find one on companies that routinely provide quality customer service. I try to steer myself towards such companies for obvious reasons - for my own benefit and to reward the “better” company. For me, Amazon and Apple a...
by gac1979
Sun Jun 30, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: CarMax re-appraisal, your experience.
Replies: 9
Views: 2084

Re: CarMax re-appraisal, your experience.

If you trade-in, you pay less sales tax on the new vehicle purchase though. Is the better offer from carmax enough to offset the extra sales tax you would pay if you don’t trade?
by gac1979
Sun Apr 28, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: How much cash in Reykjavik and Dublin
Replies: 19
Views: 1795

How much cash in Reykjavik and Dublin

My wife and I are going to Reykjavik for two days and Dublin/Kenmare for five days in about a month. We will be on a prepaid tour in Dublin/Kenmare and already prepaid for whale watching and Blue Lagoon in Reykjavik. We have a CC with no foreign transaction fees. Weighing bringing Euros with us or g...
by gac1979
Tue Jan 08, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 57
Views: 5198

Re: Paying "cash" for auto - possibly w regular credit card?

I put $8,000 on a credit card at a luxury dealer toward purchase price. Paid the rest in cash.
by gac1979
Thu Dec 13, 2018 8:23 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 3082

Re: Audi S4 vs S3

Will this be a daily driver or weekend car? Best way for me to give you insight is to know what you drive now and what you will use the Audi for...
by gac1979
Thu Dec 13, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 3082

Re: Audi S4 vs S3

Do you have kids? What kind of car do you have now? No kids, but doesn’t that almost look tacky for an Audi? Not at all. I have two car seats in my S4. So do a lot of others that drive S4’s. Four-door sleeper car with all wheel drive is literally the car most guys with kids dream of. At least those...
by gac1979
Thu Dec 13, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 3082

Re: Audi S4 vs S3

If you have the means, why not an RS3?
by gac1979
Thu Dec 13, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 3082

Re: Audi S4 vs S3

Do you have kids? What kind of car do you have now? No kids, but doesn’t that almost look tacky for an Audi? Not at all. I have two car seats in my S4. So do a lot of others that drive S4’s. Four-door sleeper car with all wheel drive is literally the car most guys with kids dream of. At least those...
by gac1979
Thu Dec 13, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 3082

Re: Audi S4 vs S3

Do you have kids? What kind of car do you have now?
by gac1979
Thu Dec 13, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 36
Views: 3082

Re: Audi S4 vs S3

B8, B8.5 or B9 S4? There are significant differences in both engines and transmissions depending on the generation. I own a B8.5 and love it. What specifically do you want to know?