Search found 135 matches

by tev9876
Thu Mar 28, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Worth Keeping AMEX Gold Delta Skymiles CC?
Replies: 23
Views: 2970

Re: Worth Keeping AMEX Gold Delta Skymiles CC?

I'm ditching mine; got it for the bonus. Much better cards out there for me, and many/most don't have an annual fee. Only card I carry an annual fee on is my bluecash preferred as the 6% on groceries pays for it. I just ditched my Blue Cash Preferred when the $95 annual fee hit. I also have the Pre...
by tev9876
Tue Mar 12, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: Vizio TV Remote Issue
Replies: 10
Views: 595

Re: Vizio TV Remote Issue

You could try a low tech approach of trying to limit the opening that allows light to the sensor on the cable box - perhaps a piece of 1/2 or 3/4 inch PVC pipe glued over the sensor. This would limit the light that can enter from an angle. The same, or maybe just some tape on the remote to limit the...
by tev9876
Thu Mar 07, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Progressive Homeowner's Insurance?
Replies: 9
Views: 774

Re: Progressive Homeowner's Insurance?

Had GEICO but switched (back) to Progressive late last year and the homeowners got sourced to ASL. It was the cheapest quote of any and I have no regrets (but also no claims). They actually did a drive by inspection and refunded me $35 because my brick veneer house was somehow recorded as something ...
by tev9876
Tue Feb 26, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4075

Re: Anyone Keep a Second Fridge in Garage?

Anything else taking up floor space in the garage that you could move to a loft area? I recently added a 2x20' shelf to the entire back of the garage. It is 2' down from the bottom of the low point of the rafter (unfinished ceiling) and about 5' from the floor. It is high enough that my truck can be...
by tev9876
Tue Feb 05, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Deposit Cash into Fidelity Cash Management Account via ATM
Replies: 13
Views: 1098

Re: Deposit Cash into Fidelity Cash Management Account via ATM

The Fidelity debit card is issued by PNC Bank, but trying to deposit cash at a PNC ATM failed. I keep a zero fee Huntington checking account for the rare cash deposits.
by tev9876
Mon Feb 04, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Auto Battery Prices
Replies: 40
Views: 3560

Re: Auto Battery Prices

Costco isn't necessarily the cheapest. The auto parts stores will always have a 20% or more coupon online that can often be used for store pickup. Costco price was $145 for a standard wet cell that fits my truck. Pep Boys had a 25% off coupon for online purchases. They had a Champion Platinum Glass ...
by tev9876
Tue Jan 29, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Wow Way Internet Reviews
Replies: 8
Views: 1165

Re: Wow Way Internet Reviews

I've had WOW for probably close to 10 years now - since Comcast finally pushed me off the cliff with their horrible service and billing me for equipment I owned. Long story. When I first signed up they did send a tech out. He insisted on pulling new cable through my house so they wouldn't risk issue...
by tev9876
Thu Jan 17, 2019 9:36 am
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 4069

Re: Any good reason to get a smartwatch?

I actually went back to wearing a mechanical watch because I found myself getting distracted by the phone every time I picked it up to see the time. Its in my hand so might as well check email, texts, FB, .... Next thing you know 20 minutes are gone. My old watches were garbage so I picked up a coup...
by tev9876
Wed Jan 16, 2019 1:36 pm
Forum: Personal Investments
Topic: Reducing Transamerica 401K ER%
Replies: 2
Views: 276

Re: Reducing Transamerica 401K ER%

I don't know why it never occurred to me to treat all accounts as a single portfolio and divide accordingly. :oops: I have a rollover IRA at Vanguard that is about 25% of my total - that is in a 2035 retirement fund also, but at a much lower fee. The TransAmerica 401K is about 75%, with the Roth IRA...
by tev9876
Mon Jan 14, 2019 7:48 pm
Forum: Personal Investments
Topic: Reducing Transamerica 401K ER%
Replies: 2
Views: 276

Reducing Transamerica 401K ER%

After being lazy for the last several years and just using TransAmerica's PortfolioXpress setup with my company 401K, I am realizing I am paying some pretty high fees. I hit 50 this year and am set for the 2035 plan. Here are the available funds, ERs and how they have me allocated right now. Sorry b...
by tev9876
Mon Dec 24, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Home Brewing
Replies: 27
Views: 3197

Re: Home Brewing

I tried a half dozen or so batches 20 years ago and found it just wasn't worth it. My equipment outlay was next to nothing since I was able to reuse some wine making stuff my parents had - five gallon glass carboy, airlocks, large pots, etc. I found it was a great way to burn a Saturday making a mes...
by tev9876
Sat Dec 22, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3945

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

It depends. Chase for example has been shutting down accounts that had multiple payments within the same billing period repeatedly within the past year or two. Apparently they found cycling large amounts of money under a credit limit to be suspicious and/or an indication the account holder may sudd...
by tev9876
Tue Nov 20, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Which cars can be unlocked and started from a smart phone?
Replies: 28
Views: 1890

Re: Which cars can be unlocked and started from a smart phone?

Any Chrysler (FCA) car with Uconnect has had this since at least 2013 - if you pay the hefty monthly fee.
by tev9876
Fri Nov 16, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Are gift cards for fund raising worth it?
Replies: 23
Views: 1226

Re: Are gift cards for fund raising worth it?

I routinely make 20% with gift cards buying them at Kroger. $250 spend during a 4X point promotion yields $35 in free gas with another $15 (6%) cash back on my Amex BCP. Buying through the band promo would not be a good return for me personally, but if you can sell them to others you still profit. I...
by tev9876
Fri Nov 16, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: best way to find flights
Replies: 13
Views: 2145

Re: best way to find flights

Google owns matrix.itasoftware.com so it is really the same search engine, just a different user interface. I used to prefer matrix, but Google flights has gotten much better and faster. There are plenty options to set/avoid airlines, airports, trip durations, etc. It now has the same power as matri...
by tev9876
Tue Nov 13, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Donating Airline Miles?
Replies: 5
Views: 406

Re: Donating Airline Miles?

The airlines have charities they work with. Say you and 4 other people donate 5,000 miles. Those all go into the same pool so now it is possible to book one domestic 25,000 ticket for the charity. Airlines own the miles and assign some value to them, so they likely get a tax break. You do not own th...
by tev9876
Thu Nov 08, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: New Treadmill - Proposition 65 Warning Label
Replies: 22
Views: 2751

Re: New Treadmill - Proposition 65 Warning Label

I would not make any personal decisions based on Prop 65 - it is a complete joke of a regulation and the poster child for bad government regulation. 900 chemicals, including some base elements, that "might" cause cancer are on the list, with zero threshold of exposure. Starbucks was sued and lost a ...
by tev9876
Fri Oct 26, 2018 8:40 am
Forum: Personal Consumer Issues
Topic: New Sink Drain Leaking
Replies: 15
Views: 1020

Re: New Sink Drain Leaking

There should be plumbers putty (or a gasket if it came with the drain) between the bottom of the drain flange and the surface of the sink to prevent water from getting under the flange. Make sure you tighten the nut holding the drain to the sink until most of the putty has been pushed out of the gap...
by tev9876
Fri Oct 26, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 3103

Re: Unplugging from Tech Tips

I started wearing a analog watch again when I realized I would check my phone for the time, then email, FB, and a dozen other things. I have most audible notifications turned off and usually leave the phone face down so I don't see any pop ups.
by tev9876
Sun Oct 14, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1315

Re: Using credit card rental car insurance

Have not rented in Italy but have in Ireland which is an often excluded country. The United credit card is issued by Chase and all of their cards offer worldwide coverage without country exclusions, so you should be good for Italy. They will e-mail you a letter for proof of coverage if you call and ...
by tev9876
Fri Oct 12, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Inexpensive and comfortable outdoor patio furniture
Replies: 9
Views: 1503

Re: Inexpensive and comfortable outdoor patio furniture

I just had a new patio put in and have been searching for furniture, but don't like anything - at least not that isn't stupid expensive. I'm actually considering building my own. As a big/tall guy much of the mass market stuff is not comfortable for me - too low to the ground, too narrow, shaky, etc...
by tev9876
Thu Oct 11, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 3312

Re: Laminate Floor making 'popping' noise

A toe kick saw may be the solution. https://m.harborfreight.com/3-38-in-68-amp-heavy-duty-toe-kick-saw-62420.html?utm_referrer=direct%2Fnot%20provided Note they like to kick back and can be dangerous due to minimal guards. They will let you cut right up to the wall but you may need to build some kin...
by tev9876
Thu Oct 11, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 6314

Re: Anyone done a Hair Transplant?

Set of Wahl clippers - $20. Five minutes a week. Never buy shampoo again.
by tev9876
Thu Oct 11, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 104
Views: 5817

Re: Keep a backup hot water heater?

Murphy's law says it will fail, catastrophically, the morning that you have a big wedding the entire family must get ready for, during preparation for Thanksgiving dinner for 60 people, while you are on vacation dumping 1000s of gallons of water into the sewer, etc. Just pick a day where it is conve...
by tev9876
Sun Oct 07, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3647

Re: Garage Shelving?

I just built a "loft" across the entire back of my garage - about 22'. It is 2' deep and 2' to the bottom of the rafters at the wall, meaning about 5' off of the ground. I was mainly trying to get big stuff up off the floor so traditional shelving wouldn't work. It is still tall enough that there is...
by tev9876
Thu Oct 04, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3286

Re: Anyone ordered a vehicle through a dealership?

GM, Ford and FCA all have their inventory posted online, searchable by zip code and filterable by features. You will even be able to see the window sticker in most cases. I have always believed that having Dealer A trade a vehicle with Dealer B is a cost to both, meaning they will not give me the be...
by tev9876
Wed Sep 26, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4506

Re: Anyone ever tired of managing hair and consider shaving to go bald

Started doing it about 10 years ago when I finally got over the denial that I was going bald. I don't shave, just use a $20 set of Wahl clippers without a guard. The Wahl has a fine adjustment lever I put about midway so I'm basically at about 1/16". Five minutes every seven to 10 days, no shampoo t...
by tev9876
Fri Sep 21, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Recommend a To-do app please.
Replies: 33
Views: 3407

Re: Recommend a To-do app please.

I have used Evernote and Google Keep in the past, but now find that Google Sheets works best for me. For a project, like current backyard landscaping, I just create a new sheet. One tab is a to-do list. Another tab is a shopping list of materials. Another tab tracks concrete contractors I sent RFQs ...
by tev9876
Fri Sep 21, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: Does your Capital One 360 reimburse international ATM?
Replies: 42
Views: 2751

Re: Does your Capital One 360 reimburse international ATM?

I am not aware that Cap One 360 ever reimburses fees. From their fee schedule (PDF): https://www.capitalone.com/assets/bank/media/360checking-pew.pdf Capital One-Branded ATMs: Free When you use a Capital One-branded ATM to complete any transaction. Allpoint® ATMs: Free 360 Checking lets you access o...
by tev9876
Fri Sep 21, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Landscaping costs?
Replies: 15
Views: 2355

Re: Landscaping costs?

Agree the quotes look reasonable. My driveway is being torn out as I type this and will be poured Monday with a patio added. Tear out of 800 sf and pouring of 1600 sf with the patio added ranged from $9500 to $12,000 on my quotes. This is for plain white concrete, so stamping and staining add consid...
by tev9876
Tue Sep 18, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: How to watch baseball playoffs without cable
Replies: 36
Views: 2414

Re: How to watch baseball playoffs without cable

Streaming services have improved signifigantly over the last few years. Other than the occasional two second hangup I don't have issues with my Sling Blue package which streams Fox (also get by antenna), the Fox Sports local and FS1/FS2, TBS (plus TNT and USA where I think some games get pushed if t...
by tev9876
Thu Sep 13, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4598

Re: I need a chainsaw to trim branches and limbs!!

Cordless pole saw. https://www.harborfreight.com/40v-lithium-cordless-pole-saw-63286.html I have a corded version for my small lot since an extension cord is not an issue. It cuts through overgrown shrubs and small (<4") maple tree branches quite easily. The length keeps you off a ladder and the fal...
by tev9876
Fri Sep 07, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Rec. for a specific type of internet router
Replies: 33
Views: 1634

Re: Rec. for a specific type of internet router

I have found that the combo modems/routers that ISPs rent you are garbage for the wifi signal. Any decent router should do much better if you just plug it into one of the Ethernet ports on the gateway. Better yet, see if you can get rid of the gateway and the rental charge they are hitting you with ...
by tev9876
Fri Aug 24, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Best way to get Skype or Facetime on a TV?
Replies: 16
Views: 2221

Re: Best way to get Skype or Facetime on a TV?

This is what we use in our conference rooms at work: https://enterprise.google.com/chrome/devices/asus-chromebox-for-meetings/ We use Gmail and Google apps so integration with Hangouts works quite well. Your display won't matter - we use a combination of the old ceiling mounted projectors and newer ...
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: 1795

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: 2418

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: 6253

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: 10766

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: 10687

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: 2396

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: 806

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: 640

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: 2598

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: 1443

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: 7272

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: 1794

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: 7446

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: 654

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: 4709

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: 731

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...