Search found 101 matches

by tev9876
Mon Jul 30, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Where do you find the cheapest contact lenses?
Replies: 16
Views: 1420

Re: Where do you find the cheapest contact lenses?

I used to buy mine at Costco and the 30 day lenses were reasonable. When distance contacts started interfering with my reading the Costco optometrist suggested I try mono vision - only wearing one contact for distance and letting the uncorrected eye handle reading. It took my brain a couple days to ...
by tev9876
Thu Jul 26, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Pet burial
Replies: 26
Views: 2200

Re: Pet burial

I can't imagine any builder would ever just overbuild on a cemetery - for pets or people. Graves are voids in the ground and that is not going to be good for any foundation - especially when you are going to have to excavate a few feet down minimum to get below the frost line. Another issue that wil...
by tev9876
Mon Jul 16, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Where to get a $100 bill?
Replies: 49
Views: 5105

Re: Where to get a $100 bill?

Bars or restaurants (decent sit down places) will likely have a $100 in the register by the end of the shift. I did this recently as I had to collect $600 from 20 different people to pay a limo driver in cash and didn't want to manage a ton of bills. I just asked the bartender if she had any big bil...
by tev9876
Mon Jul 16, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10075

Re: Amazon Prime Day 2018

I prefer the Roku to Amazon/Google/Apple devices since they offer the most apps without getting into the content wars between those providers. The Roku streaming stick is $35 just about everywhere right now so no need to buy at Amazon. I did just pick up two plus some car stuff since I had a gift ca...
by tev9876
Mon Jul 16, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9678

Re: Why own a bed?

I went to a latex mattress years ago and bought the metal platform that came with it. While the mattress is still great, the platform was garbage and was all bent up within a year. The headboard is mounted to the wall to save a few inches of floor space, so I just needed a platform. I couldn't find ...
by tev9876
Tue Jul 10, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2147

Re: Replace water heater at end of warranty or repair?

Sounds like your flame sensor (thermocouple) is dirty. If it can't sense the pilot it will shut off the gas to prevent filling your house with it. My furnace does this every couple years. All it takes is a screwdriver and piece of sandpaper to gently clean the metal sensor. YouTube, five minutes and...
by tev9876
Tue Jul 10, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Resume Question
Replies: 10
Views: 686

Re: Resume Question

Listing solid accomplishments will get you more attention than a laundry list of duties. No: Inspected parts with boroscope. Yes: Instituted a non-destructive testing program that reduced field failures by XX%. Towards the bottom you can add a section listing specialized equipment, software, etc. I ...
by tev9876
Tue Jul 03, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Need Info/Experience With Opening Capital 360 Account
Replies: 7
Views: 539

Re: Need Info/Experience With Opening Capital 360 Account

The screens for setting up an external account are very specific that it must be a personal checking account. My guess is that savings accounts are not allowed is because of the maximum of six ACH transfers a month rules with savings accounts. They probably don't want to deal with people who make 20...
by tev9876
Mon Jul 02, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Rented car, got rear ended - hit and run
Replies: 20
Views: 2304

Re: Rented car, got rear ended - hit and run

You do need to be 100% educated in the terms and conditions of the credit card rental coverage. I have both the Chase Sapphire Preferred and Citi Prestige. Chase does not set a dollar value, but does exclude exotic cars and specifically lists Rolls, Jaguar, Porsche, etc. I did read a report somewher...
by tev9876
Wed Jun 27, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Home Theater PC Uses?
Replies: 15
Views: 1342

Re: Home Theater PC Uses?

I use mine for collecting dust in the back bedroom closet. It was an interesting, geeky project eight or so years ago, but the combination of a Roku and Tivo (OTA - dumped cable) make for a much more streamlined approach these days. There are many apps that can read from a network attached storage d...
by tev9876
Wed Jun 27, 2018 8:10 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6353

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Don't rely on forums, especially truck forums, for much of your research. As you can already see here brand loyalty is strong among internet posters. It is even worse on truck forums. Some of those people are downright crazy when it comes to their trucks. If you go to a Silverado/Ram/F150/Tacoma for...
by tev9876
Fri Jun 22, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Moving Cash to Fido Cash Management Account
Replies: 13
Views: 1459

Re: Moving Cash to Fido Cash Management Account

Find a free, local B&M bank or credit union and keep it for the cash stuff - especially for those who operate in cash businesses. There are plenty of free ones out there with no minimums that with allow you to do an ACH transfer to wherever you want it. Many will even give you a $100-$200 signup bon...
by tev9876
Thu Jun 21, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5824

Re: Surprise - Costco sells - but does not install vehicle batteries

One trick of doing your own is to use a memory saver plugged into a cigarette lighter outlet to maintain your radio presets and other computer memory while you are swapping the main battery. Last time I rigged my own with a nine volt battery and old phone charger. Just cut off the phone end, strip t...
by tev9876
Wed Jun 20, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Rebooking a ihg nite that was already booked beyond expiration date
Replies: 5
Views: 585

Re: Rebooking a ihg nite that was already booked beyond expiration date

As far as I know the night is gone and you aren't getting it back. Happened to me this year after I had to cancel a trip. It is actually against the terms and conditions to book the stay beyond the expiration date, but the IHG computer lets you. If you cancel before the expiration date it goes back ...
by tev9876
Tue Jun 19, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you think it is smart to disclose that you have passive investments to other people?
Replies: 43
Views: 4411

Re: Do you think it is smart to disclose that you have passive investments to other people?

Why on earth would anybody share such information with anybody? :confused The more common approach is that "I'm sorry I couldn't get back with you right away, but my dog/parent/BFFL is deathly ill and I had to be with them in the hospital. That approach actually endears some salespeople to marginal...
by tev9876
Mon Jun 18, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: type of conduit for string lights
Replies: 9
Views: 606

Re: type of conduit for string lights

What are you actually mounting the conduit to? Is the conduit bending or is the entire length remaining straight but angled? It sounds like you are using rigid metal conduit based on the threading. That should be rather strong as it is not designed to be bent like EMT conduit, but if you are not sec...
by tev9876
Mon Jun 18, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1113

Re: successful chase sapphire paid auto claim with rental abroad

I would have called to raise the claim the day you caused the damage and knew you would be making a claim. There is a short window to start the claim, but the time to get all of the documentation is 365 days I believe. If there is any question I might have caused damage I start a claim. I got burned...
by tev9876
Fri Jun 15, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: recommendations for HELOC? does it matter to pick the cheapest rate?
Replies: 11
Views: 1164

Re: recommendations for HELOC? does it matter to pick the cheapest rate?

I went with PenFed since I already had accounts there (car loan, credit card) and they were the best rate (prime + 0%) with no fees. I could have gotten prime-.5% or so, but those came with hoops to jump through like automatic withdrawal from checking or annual fees. PenFed was exactly two weeks fro...
by tev9876
Fri Jun 15, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1625

Re: convert 4 wire to a 3 wire switch

My guess is that your switch is wired per the picture above. The black wires are the Hot that carries electricity from the breaker. The switch simply opens and closes this connection. The white Neutral wire is the return to the panel and does not need to be opened/closed to turn the circuit off/on. ...
by tev9876
Thu Jun 14, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 324

Re: Google voice in Europe

A Google Voice number will ring to your phone anywhere you have a data connection if you are using the Hangouts app. I've used mine in Europe on both my Verizon SIM using their travel pass (which actually seems to VPN you to a US server) along with Irish and UK SIMs.
by tev9876
Wed Jun 13, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Explanation of free credit scores
Replies: 16
Views: 1798

Re: Explanation of free credit scores

The free ones on Crefit Karma are not updated often either. I paid off a bank loan 3 weeks ago and it’s still showing today. Credit Karma updates your score weekly (if you log in). Credit Sesame is monthly. You will get alerts (new accounts, inquiries, etc.) in close to real time if these events oc...
by tev9876
Wed May 30, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Hotel Charged on Reservation vs Actual Night Stayed?
Replies: 31
Views: 1823

Re: Hotel Charged on Reservation vs Actual Night Stayed?

Has the extra charge actually posted or is it still "pending"? They will place an authorization charge when you first check in and then another charge that will actually post with the final bill. Depending on your bank it may take a couple weeks for the initial pending charge to drop. Chase seems to...
by tev9876
Tue May 29, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: GFCI trips when toaster oven turned on
Replies: 33
Views: 1947

Re: GFCI trips when toaster oven turned on

Many electric heating elements use Magnesium Oxide (MgO) ceramic powder as an insulator to prevent the heater wire from contacting the outside metal casing. MgO sucks up moisture like a sponge, so if there is a break in the outer casing it will suck up the moisture and provide a path to ground. It m...
by tev9876
Sun May 27, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1835

Re: Remote temperature monitoring

A camera pointed at a thermometer isn't going to help if the power is out and takes down your wifi, furnace and thermostat too. Are you also going to be checking the camera image daily to make sure all is well, since it is not going to actively alert you? If your internet is down are you going to p...
by tev9876
Sun May 27, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Remote temperature monitoring
Replies: 22
Views: 1835

Re: Remote temperature monitoring

A camera pointed at a thermometer isn't going to help if the power is out and takes down your wifi, furnace and thermostat too. Are you also going to be checking the camera image daily to make sure all is well, since it is not going to actively alert you? If your internet is down are you going to pa...
by tev9876
Tue May 22, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Medicare and Cataract surgery - one or two charges?
Replies: 31
Views: 1713

Re: Medicare and Cataract surgery - one or two charges?

I'm far from Medicare and normal cataract age, but did have one appear in only one eye in my mid 40s. I opted for the multifocal IOL since I hope to have it another 40+ years. My vision in the surgical eye is 20/20 and also fine for reading. My other eye seems to have actually gotten better since I ...
by tev9876
Fri May 18, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: Registering complaint with American Airlines/American Eagle?
Replies: 25
Views: 1624

Re: Registering complaint with American Airlines/American Eagle?

Was he in the gate area or hanging out in a lounge, bar or somewhere else? Major airports don't announce every flight throughout the airport. You are expected to check the monitors and be at the gate in time to board. A 50 seat regional jet can be boarded in 5-10 minutes from open to close so the wi...
by tev9876
Thu May 17, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: HELOC - rate vs location?
Replies: 8
Views: 508

Re: HELOC - rate vs location?

I'll add - I got Prime with PenFed (best rate). Citizens keeps sending me offers for Prime - .25%, but it has a $50 annual fee after the first year and requires automatic payment from their checking account, which I don't have. I think DCU is also prime -.25%. Others require a large initial draw whi...
by tev9876
Thu May 17, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: HELOC - rate vs location?
Replies: 8
Views: 508

Re: HELOC - rate vs location?

I will be closing on a PenFed HELOC today. I applied on Friday afternoon 5/11 online. About 10:00 Monday I had a call and e-mail requesting documents (pay stub, insurance paperwork) along with an e-mail with an electronic disclosure form to sign. I uploaded the pay stub that day and went to my insur...
by tev9876
Mon May 14, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 83
Views: 5347

Re: keyless ignitions and carbon monoxide

Conspicuously absent from the article are the number of incidents of traditional ignition deaths/injuries when left running. I noticed the Equinox rental I had last week had a warning chime when turning off the ignition (keyless) to check the back seat. If a young parent can forget a child in the ba...
by tev9876
Thu May 03, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Technical Questions About Dumping Comcast Internet
Replies: 9
Views: 1048

Re: Technical Questions About Dumping Comcast Internet

Make sure you get receipts showing you returned any Comcast equipment. They are famous for billing customers for personally owned equipment or "unreturned" Comcast equipment that they lose. After the hassle I had to through to avoid them sending me to collections for not returning the modem that ***...
by tev9876
Fri Apr 27, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Casper Foam mattress doesn’t fit furniture frame
Replies: 14
Views: 1458

Re: Casper Foam mattress doesn’t fit furniture frame

How high is the middle board that is preventing you from using the Casper foundation? If you were to take two 38x75" (twin size) pieces of plywood and place them where the twin box springs were, would it give you a flat surface for the foundation? If too high for plywood, would cutting slats out of ...
by tev9876
Thu Apr 12, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 7455

Re: Passport photo DIY - anyone done it easily?

I also use Costco. They provide four photos instead of two, so if you need a Visa at the same time it may be an even better deal. I also have a non-US passport and that one was a pain because the picture size requirement was different. Costco has a standard tool they use to die cut the photo from a ...
by tev9876
Tue Apr 10, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: 0% credit card to pay off student loan?
Replies: 25
Views: 1851

Re: 0% credit card to pay off student loan?

Another thing to watch if you do the CC 0% is your utilization rate. If you only have one credit card with a 10K limit and take 10K as a BT, your utilization is now 100% and your credit score is going to tank. If a HELOC is in the future make sure you do that before increasing your credit card balan...
by tev9876
Fri Apr 06, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Is saving 0.5% worth paying in cash?
Replies: 11
Views: 1557

Re: Is saving 0.5% worth paying in cash?

I would turn it into $1500-$2000 of free stuff with credit card signup bonuses. That will meet minimum spend on two or three cards. Very easy to turn your 2% cash back into 20% with a little internet research into the current signup bonuses. Just google "current credit card signup bonuses" and you w...
by tev9876
Fri Apr 06, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: How to re-wire an antique lamp
Replies: 15
Views: 1027

Re: How to re-wire an antique lamp

I'm not sure if I should feel old or offended by the 70s being called antique. :D Is there actually something wrong with the cord/plug or socket? Cracked insulation, broken socket, damaged plug? Lamps are about as basic as you get get and not much has changed since then. You can get replacement sock...
by tev9876
Wed Apr 04, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for using credit card for auto rental insurance
Replies: 25
Views: 2657

Re: Advice for using credit card for auto rental insurance

This was before the days of portable printers to give you a receipt at the car. I actually told them the CD was missing after he asked how I liked it (this was an early in-dash unit that needed a different CD for different language spoken directions). I replied it was good except for not always know...
by tev9876
Wed Apr 04, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for using credit card for auto rental insurance
Replies: 25
Views: 2657

Re: Advice for using credit card for auto rental insurance

You really need to read the benefits guide that came with your credit card to know all of the details, but in general: Credit cards only cover the vehicle you rent. Not the car you hit, fence you drive through, or your expensive camera that gets stolen from the back seat. They will pay to replace th...
by tev9876
Sun Apr 01, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Personal Loan vs. Current Credit Card vs. New Credit Card
Replies: 9
Views: 1110

Re: Personal Loan vs. Current Credit Card vs. New Credit Card

Capital One Venture would probably be my first choice in your situation, especially if you don't want to get into the miles and points game full time. It has a 50K bonus after $3000 spend in 90 days. Those points can be redeemed for past travel, so since it sounds like you may be taking time out to ...
by tev9876
Sun Apr 01, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9666

Re: Neighbor recently burglarized- Suggestions for home security

Our 95# pit mix looks like a killer, until you see her wagging tail and affectionate posture. I wonder, though, if she could sense the evil intentions of an intruder. I would not want a dog like her angry or feeling that the family she loves was in danger. Her bark is impressive :D My German Shephe...
by tev9876
Sat Mar 31, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Loan vs. Current Credit Card vs. New Credit Card
Replies: 9
Views: 1110

Re: Personal Loan vs. Current Credit Card vs. New Credit Card

Since it sounds like you can pay it off within one billing cycle, get a new credit card with a good signup bonus worth at least $500. Now you are earning at least 10%, possibly much more depending which card(s) you get. It is also good for your credit rating to have more than one credit card (assumi...
by tev9876
Tue Mar 27, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account Reservations???
Replies: 23
Views: 3600

Re: Online Savings Account Reservations???

I've only had two minor hassles with online only banking. Casino winnings. Finally hit a royal flush at Video Poker and ended up with $1000 in 20s. I put everything on credit cards for rewards and $1000 in cash would probably last me two years. At the time I did use Bank of America as my primary che...
by tev9876
Sun Mar 25, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: 5/24 rule for rewards credit cards - bunching applications
Replies: 31
Views: 3457

Re: 5/24 rule for rewards credit cards - bunching applications

Citi also reports at statement cut. I opened a Citi Premier on 2/27. My first statement cut on 3/4 and I received the bill a few days later - before I even received the card. I'm not sure if the short statement window was random or because I have my other two Citi cards set to be due on the 28th, me...
by tev9876
Thu Mar 22, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: How can I get a passport?
Replies: 64
Views: 6196

Re: How can I get a passport?

The actual processing time should be minutes if you are properly prepared. Go to state.gov and download the application. You should be able to fill it out in the PDF and print it out. Also familiarize yourself with the requirements for payment, passport cards if desired, etc. Costco has the best dea...
by tev9876
Tue Mar 20, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Cash Advance on Credit Card for $3K Car
Replies: 43
Views: 2740

Re: Cash Advance on Credit Car for $3K Car

I see it could be a good or very bad idea, but depends on circumstance. If a $3000 car is the only thing standing between you and a good paying job it might be a good thing. Only the OP can decide. You definitely do not want to do a cash advance. Just so you understand, that would normally mean you ...
by tev9876
Fri Mar 16, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: HELOC Close to HELOC Open Timing
Replies: 0
Views: 172

HELOC Close to HELOC Open Timing

I'm wondering how long I should allow for my current HELOC to close and have whatever paperwork taken care of before opening a new one. My 10 year draw with BoA expires next week. It has no balance so I was just going to let it close on its own rather than spend hours in phone tree hell trying to ta...
by tev9876
Wed Mar 14, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Reasonable cubic feet estimate for a move?
Replies: 8
Views: 603

Re: Reasonable cubic feet estimate for a move?

65 cubic feet would be a box just a tiny bit larger than 4' per side. Make it rectangular and your couch might fit in it (7x3x3 = 63 ft^3). The smallest cargo trailer that Uhaul rents is 142 ft^3, so you used less than half of a 4x8x4' trailer. That is not a lot of stuff in most people's opinions.
by tev9876
Tue Mar 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 2039

Re: Need Advice - Electric Hot Water Heater

Is it really necessary to change out a water heater because someone in the house is using oxygen? I've never heard of doing so and we never did when my parents used it. Even the purpose built assisted living facility my mother was in had a gas furnace in a utility closet in her studio apartment. Gen...
by tev9876
Mon Mar 12, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: who is responsible? [Tree]
Replies: 4
Views: 1099

Re: who is responsible? [Tree]

Is the tree actually on the neighbors property or is it in an easement? In my subdivision the strip of grass between the sidewalk and the street is city owned, as are the trees there. Years ago a major limb came down from the maple tree across the sidewalk and onto my property. It was still attached...