Search found 53 matches

by CardinalRule
Sat Nov 18, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 39
Views: 3843

Re: Quicken 2018 for Mac [and PC Released]

Thanks for sharing the Black Friday information.

I'm currently using Quicken 2016 Premier (Windows) and am going through the pros and cons of going with the 2018 subscription or finding and buying a copy of Quicken 2017.
by CardinalRule
Sun Oct 22, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 32
Views: 5084

Re: Tub Cleaning Issue - Soap Scum

I have also had good results with commercial cleaners. Most recently, I have moved toward the "no bleach" varieties though. Like "Clorox Disinfecting Bleach Free Bathroom Cleaner." I think that other products were the cause of mysterious and permanent stains I was seeing on shirts after laundering. ...
by CardinalRule
Sun Oct 01, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Oil stains: How to treat?
Replies: 12
Views: 1467

Re: Oil stains: How to treat?

I've had pretty good luck with a product called Oil Eater. I had a tiny leak after an oil change; I was able to quickly spray and wipe every couple of days until I figured out what the problem was - a technician at a quick-lube place had not wiped down the area properly after changing the oil. One l...
by CardinalRule
Sun Sep 17, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 22
Views: 1644

Re: point and shoot digital cameras

The camera on my iPhone 6s is sufficient for almost of my purposes, and my future iPhone 8 will be even better. But after a lot of research, I bought a point and shoot camera before a trip to Alaska this summer. The powerful optical zoom (50x) on my Canon SX 530 is pretty cool and you can use manual...
by CardinalRule
Wed Sep 13, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Potential downsides of placing a credit freeze?
Replies: 24
Views: 2113

Re: Potential downsides of placing a credit freeze?

One thing that I hadn't appreciated until recently - the interaction between credit freezes and credit monitoring services. The value of paid services is debatable and a different subject altogether, but if you are going to subscribe to one of these (or get one for free because of a breach), you app...
by CardinalRule
Tue Sep 12, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 3260

Re: Freezing Credit Report - Effect on Auto Insurance

Interesting question; I'll want to check with our longtime insurer (State Farm) on this. We froze our credit reports before the Equifax breach, but only this year. From the AG website of my state (emphasis added): A security freeze means that your credit file cannot be shared with potential creditor...
by CardinalRule
Sun Sep 03, 2017 1:16 am
Forum: Personal Consumer Issues
Topic: After market rear view (backup) cameras.
Replies: 19
Views: 2024

Re: After market rear view (backup) cameras.

My 2016 Mazda MX-5 (Miata) lacks a backup camera, and I wish I had one. Mazda offers it as an option in Japan, but not in the US. Installation of the Japan OEM camera looks difficult, at least for me. :( I did look hard at the Pearl and liked much of what I saw. What finally led me not to pull the t...
by CardinalRule
Mon Aug 28, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Comcast got me over a barrel-Help
Replies: 23
Views: 2343

Re: Comcast got me over a barrel-Help

Especially with a bigger screen, you'll need more speed than that to get optimal HD quality. On the other hand, for video I don't think you would notice a difference between say, 10 megabits per second and 25 megabits per second (assuming one isn't using ultra HD). Netflix's recommended speeds: http...
by CardinalRule
Sun Aug 27, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: What percent credit utilization is best?
Replies: 18
Views: 2158

Re: What percent credit utilization is best?

My credit union recently added free FICO scores to its website. By habit, we keep our credit card balances at pretty much zero, often paying amounts mere days after they download to Quicken. If I'm reading this message correctly, it would (marginally) help to wait until after the statement arrives, ...
by CardinalRule
Tue Aug 01, 2017 1:02 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 24147

Re: Opticians: is there any difference in quality of Costco glasses?

My understanding is that a non-member can make an optometrist appointment, but a membership is needed to purchase glasses. That is, unless has changed very recently. :confused You are correct about the other non-member things, particularly the pharmacy. There are like a dozen states where it isn't l...
by CardinalRule
Mon Jul 31, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 24147

Re: Opticians: is there any difference in quality of Costco glasses?

She doesn't have to watch too hard with Lenscrafters. :wink: Lenscrafters always seems to be running a "special" of one sort or another. It's a marketing gimmick. My most recent glasses (progressive) were from lenscrafters. I bought the middle lens quality and they were about the price you quote. My...
by CardinalRule
Sun Jul 30, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 4838

Re: Comcast - lease modem/router or buy?

Our household subscribes to Comcast's phone service, and so that limits my retail options. I turn in my leased all-in-one modem/router every year or so and get a new one from Comcast. I tell them it's acting flaky, whether or not it is. At least I'm getting the latest and greatest equipment for the ...
by CardinalRule
Sun Jul 30, 2017 12:36 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 10969

Re: Best place to get eyeglasses / no vision insurance

Yikes. I went to Lenscrafters today for Oakley prescription sunglasses. Oakleys are excluded from the 40% off promotion currently running. The total cost would have been $700 with polarized lenses and my progressive prescription. :-( The frame portion was $180. I decided to pass and consider alterna...
by CardinalRule
Sat Jul 29, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Best place to get eyeglasses / no vision insurance
Replies: 89
Views: 10969

Re: Best place to get eyeglasses / no vision insurance

Another Costco fan here. I am also happy with the pair I got from Sam's Club a couple of years ago. Great pricing and service. And while the OP noted no vision insurance, I liked how Costco and Sam's Club handled my claims. If you ever need to get your glasses adjusted, it's convenient to take a num...
by CardinalRule
Sun Jul 23, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10979

Re: Is Amazon Prime worth it?

For our household, Amazon Prime is clearly worth the $99, but I can see how it might not be for everyone. In terms of the lesser benefits, Prime Photos has been a useful feature for us. This unlimited photos offering has gotten better, and the automatic uploads from our phones has been pretty reliab...
by CardinalRule
Sat Jul 22, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Commuters (that drive), what do you listen to?
Replies: 60
Views: 3433

Re: Commuters (that drive), what do you listen to?

My commute can be an hour in the morning, unfortunately, and I listen to a variety of things to make it a little more bearable: Built-in car radio: The acoustic Coffee House and CNBC on Sirius (and CNN when there is breaking news) The local NPR station on FM HD iPhone with Bluetooth: Audible audiobo...
by CardinalRule
Wed Jul 19, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 15
Views: 1310

Re: Credit Card Extended Warranty for a TV

I missed your link before posting my own message - I didn't intend to be repetitive. :wink: Good luck with the repair.
Hyperborea wrote:Thanks for the info. I spoke to someone at CapitalOne and they sent me to Card Benefit Services who run this for Visa.
by CardinalRule
Tue Jul 18, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Credit Card Extended Warranty for a TV
Replies: 15
Views: 1310

Re: Credit Card Extended Warranty for a TV

I'm not sure if they all work the same, for my Wells Fargo "Visa Signature" card, this entity is involved: https://www.cardbenefitservices.com What I like about the above partner is that I can upload the original warranty and other details when I purchase the item. Pre-registering the product is not...
by CardinalRule
Tue Jul 18, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Recommendation for things to do in Seattle area
Replies: 18
Views: 1216

Re: Recommendation for things to do in Seattle area

Some thoughts about Columbia City itself (I agree withe Link Light Rail note above - use it :happy )

Check out the Columbia City Farmers Market (Wednesdays).

If you want to try something different, the little La Teranga restaurant (Senegalese) has a good reputation.
by CardinalRule
Tue Jul 11, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10258

Re: Amazon prime day

Amazon's case is relatively expensive. There are lots of alternatives and many different types; we ended up with this one: Link to Amazon product page: http://a.co/2mcEheE The current generation Fire HD 8 is a very nice, well-reviewed device, and a better buy and performer than the 7 inch or 10 inch...
by CardinalRule
Tue Jul 11, 2017 1:46 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10258

Re: Amazon prime day

You're right, I should do that after first asking about a price adjustment. Really happy with the tablet, but $30 is a big difference. Plus, if I order it via Alexa on Prime Day, there is an additional $10 off. https://c1.staticflickr.com/5/4214/35042683013_7c5a13e54f.jpg The current generation Fire...
by CardinalRule
Tue Jul 11, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 10258

Re: Amazon prime day

The current generation Fire HD 8 is a very nice, well-reviewed device, and a better buy and performer than the 7 inch or 10 inch versions. A great Prime Day deal at $49 - I just bought one two weeks ago for $79 :oops: Are the Fire tablets not very good? My wife has an older Fire tablet. They work we...
by CardinalRule
Sun Jul 09, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - "Upcoming Critical Alert"
Replies: 1
Views: 719

Quicken - "Upcoming Critical Alert"

I'm guessing that most users of these products have already read this message via email, and the separation from Intuit makes sense, but I'm curious to see how this plays out, particularly in terms of the much-discussed possible subscription model in the U.S. Upcoming Critical Alert: Critical update...
by CardinalRule
Mon Jul 03, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Am I nuts? Buy dividend paying stocks to pay down LOC?
Replies: 13
Views: 1488

Re: Am I nuts? Buy dividend paying stocks to pay down LOC?

Not disagreeing with the consensus in this thread, but wouldn't your hurdle actually be a little lower, when income tax effects are considered? PS: I wonder how sustainable TICC's dividend is? ​So I have a line of credit debt that equals about $8,000 with an interest rate of 3.85% that was used for ...
by CardinalRule
Sat Jul 01, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: Need Credit Card for International Travel
Replies: 45
Views: 3359

Re: Need Credit Card for International Travel

Another vote for Capital One Quicksilver - it is ideal for my (relatively infrequent) foreign travel.
by CardinalRule
Sat Jul 01, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3318

Re: Amazon Echo vs. Google Home: which to get?

Point taken on overall search capabilities, but according to my new Echo Show: :wink: https://c1.staticflickr.com/5/4284/35485859242_8f578da5cd_n.jpg I have Echo and Echo dot. It works for me as I mainly use it to listen to pandora, link it with my honeywell home thermostat and to manage calendar an...
by CardinalRule
Sat Jul 01, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 5090

Re: Advice on Desktop PC

I like all-in-ones for some situations. I use a laptop for work (with a docking station) and I bring it home sometimes, but I am really happy with my personal setup at home: HP Pavilion 24t All-in-One PC (roughly $700) ViewSonic VX2376-smhd 23” HD monitor (roughly $150) AmazonBasics Large Portable B...
by CardinalRule
Sun Jun 25, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Alaska Cruise
Replies: 5
Views: 820

Re: Alaska Cruise

I second the Cruise Critic suggestion.

Also, there was an earlier thread with some useful information:

viewtopic.php?t=217248

We are going on a Holland America cruise at the end of the summer.
by CardinalRule
Mon Jun 19, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 3235

Re: Alaska cruise advice

We had been researching cruises for a while, and then we came across one of these storefronts: https://www.cruiseshipcenters.com/en-US/corporate/home We ended booking a HAL (Eurodam) cruise near the end of the summer with these Expedia folks. The expert advice was helpful and the price we got was at...
by CardinalRule
Sat Jun 17, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1977

Re: Good Digital Tire Gauge

This is mine too. I like it a lot.
Doom&Gloom wrote:I have this one. Very compact and easy to keep in the glove compartment.

https://www.amazon.com/TEKTON-5941-Digi ... e+pressure
by CardinalRule
Sat Jun 17, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Password Managers
Replies: 61
Views: 4511

Re: Password Managers

I have been using 1Password for Windows, for years. Currently I am on Version 4. I really like it, including how the extension integrates with Chrome and syncs securely and locally with my iPhone. If 1Password's developers ever force to keep my password "vault" in the cloud, as opposed to on my own ...
by CardinalRule
Mon Jun 12, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 9845

Re: What Do You Pay for an Oil Change?

I paid $59.99 before a $5.00 mail coupon at Valvoline, for our Mazda CX-5. It included a synthetic blend (Valvoline Maxlife, 0W20). I had never gone to this location while it was branded as Valvoline (the store formerly belonged to a chain called Oil Can Henry's) and was a little surprised at how ex...
by CardinalRule
Sun Jun 11, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Recommendations on Home Alarm Systems
Replies: 18
Views: 2036

Re: Recommendations on Home Alarm Systems

We are getting XFINITY Home from Comcast installed next week. With Comcast's goofy pricing*, our monthly bill will actually go down, by moving from the so-called Triple Play to the Quad Play (internet, TV, phone, security), and there is no installation fee. There is a two-year commitment, but we wou...
by CardinalRule
Sun Jun 11, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 11165

Re: Suits: best bang for your buck?

I gotta think that Jos. A Bank damaged its brand with past pricing. I still think of the time when they were lampooned on SNL, whenever I see a Jos. A Bank advertisement. http://www.nbc.com/saturday-night-live/video/jos-a-bank-cleaning-product/2768588?snl=1 I don't have to wear suits very often anym...
by CardinalRule
Sun May 14, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: Transfer to Fidelity for Sign on Bonus?
Replies: 35
Views: 4876

Re: Transfer to Fidelity for Sign on Bonus?

My wanted to consolidate some small brokerage and IRA accounts and so she moved three accounts from TD Ameritrade to existing accounts at Fidelity. The smallish accounts aggregated $60,000, and so she qualified for a $200 bonus. :moneybag One of her non-IRA accounts was all in cash, and so she simpl...
by CardinalRule
Sat May 13, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Best way to hold Treasury Bills???
Replies: 37
Views: 4081

Re: Best way to hold Treasury Bills???

Good information on Fidelity - this is my primary brokerage and I have never used them for treasuries. I just placed an order for some 26-week T-Bills on Treasury Direct, after seeing auction yields of over 1 percent.

Next time, I may try Fido.
by CardinalRule
Sat May 13, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Ladder using Goggenheim Bullet Shares
Replies: 13
Views: 1308

Re: Bond Ladder using Goggenheim Bullet Shares

Since the beginning of 2015, I've bought some of the Guggenheim shares on something of an experimental basis at Schwab, partly because of the lack of commissions, as you mentioned. I have the 2018, 2020, and 2022 corporate ETFs, and the 2017, 2019, and 2021 high-yield variety. The latter category se...
by CardinalRule
Sun Apr 30, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 10345

Re: I bonds May 2017

Thanks - makes a lot of sense. Regarding the website outages, they seem to be sporadic. I just tried to log in but got the error message at noon PDT. So if the fixed rate doesn't increase tomorrow, does it make the most sense to just wait until November, to see what the variable and fixed rates are ...
by CardinalRule
Sun Apr 30, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 66
Views: 10345

Re: I bonds May 2017

So if the fixed rate doesn't increase tomorrow, does it make the most sense to just wait until November, to see what the variable and fixed rates are at that time? :confused
by CardinalRule
Wed Apr 19, 2017 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 16510

Re: Do you have an umbrella policy?

Got our upgrade quotes (State Farm) yesterday.

$250 for $2 million and $500 for $5 million.
by CardinalRule
Tue Apr 18, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 9346

Re: Mens Blue Jeans - What are we buying now?!

Mostly 501s for me, and sometimes 505s. The manufacturing variances by Levi Strauss drive me crazy. I feel like I have to try them on, rather than relying on the labeled size, and I have avoided buying online as a result. seriously....bought some Levi's from 3 different stores (same size) and they a...
by CardinalRule
Mon Apr 17, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Personal Assistants: Amazon Echo or Google Home?
Replies: 7
Views: 859

Re: Personal Assistants: Amazon Echo or Google Home?

We have an original (i.e., full-sized) Echo in the kitchen area, and an Echo Dot in the bedroom. Both control smart bulb lighting (simple devices from TP Link). Otherwise, the Dot is an alarm (plus, if we tell it good night, she responds with "sweet dreams, or something else to that effect. :)) and ...
by CardinalRule
Sun Apr 16, 2017 4:22 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1838

Re: radio alarm clock that projects the time on the wall or ceiling

Great idea to have this 'conversation' in the wee hours, but only if you sleep alone. :wink: Our Echo Dot does serve as our alarm, but to the OP's question, my wife and I both like the ceiling projection. PARADIGM Shift: Get an Amazon Echo Dot then, rather than having light projecting time all the t...
by CardinalRule
Sat Apr 15, 2017 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 141
Views: 16510

Re: Do you have an umbrella policy?

We (wife and I) have $1 million, soon to be bumped up to $2 million or more.

Currently, we pay $165 a year with State Farm. Two vehicles, one residence. State Farm is our only insurer.

Kudos to Kiplinger's for bringing this cheap and necessary coverage to our attention three years ago,
by CardinalRule
Sat Apr 15, 2017 6:11 pm
Forum: Personal Consumer Issues
Topic: radio alarm clock that projects the time on the wall or ceiling
Replies: 18
Views: 1838

Re: radio alarm clock that projects the time on the wall or ceiling

I have been very happy with this one, after about a year of use. I had to read the manual (imagine that! :confused) to figure out the alarm setting process. I like the USB charging port, adjustable brightness, and backup battery. The projection works well for me. http://a.co/4sKU5oD Does anyone use ...
by CardinalRule
Tue Apr 11, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3451

Re: Windows-10 "upgrade" coming April 11. What to disable?

I am a Windows 10 fan too. But major updates - like the "Anniversary Update" in 2016 - can be problematic for many, especially those with older machines (and drivers).
cantos wrote:Really? I love Windows 10. Don't understand the panic.
by CardinalRule
Sun Apr 09, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Any reason NOT to do a backdoor Roth IRA?
Replies: 56
Views: 4986

Re: Any reason NOT to do a backdoor Roth IRA?

There are other online calculators, but I thought that this one one from Schwab was particularly easy to use. I have exceeded the income limits for Roth IRAs for several years, and so I have been thinking of fully funding a non-deductible traditional IRA for 2016 and 2017 and then going the backdoor...
by CardinalRule
Sun Apr 09, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Trip Ideas - San Francisco & Northern CA
Replies: 31
Views: 2738

Re: Trip Ideas - San Francisco & Northern CA

The areas north of San Francisco are wonderful, but I'm a big fan of the Central Coast (south of SF). Places like Morro Bay, San Simeon, Big Sur, and Monterey/Carmel - just gorgeous, especially on Highway 1.
by CardinalRule
Sun Apr 09, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 468
Views: 56442

Re: Quicken's future direction - a cause for concern

I'm increasingly pessimistic about the future for Quicken, as a user for 20+ years. But I agree with your views below. Daily Quicken downloads are important to my financial life and routine - credit card transactions (Chase, Citi, Capital One) are especially valuable from a fraud control perspective...