Search found 68 matches

by jaybee9
Tue Nov 26, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Michelin vs Toyota tires for Corolla?
Replies: 31
Views: 2724

Re: Michelin vs Toyota tires for Corolla?

I just bought tires for my Toyota Camry. Here's how I approached it and may be helpful for you. Go to tirerack.com and look at the tires in the Standard Touring All-Season category: https://www.tirerack.com/tires/surveyresults/surveydisplay.jsp?type=ST&width=205/&ratio=55&diameter=16&rearWidth=205/&...
by jaybee9
Mon Nov 11, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 691

Re: Feedback on specific Michigan/Midwest insurers

I have found the following companies to have very low complaint ratios going back to 2008: AAA Auto-Owners Cincinnati Insurance Frankenmuth Mutual Fremont Insurance MemberSelect Thanks all for the feedback so far. Anybody with Cincinnati, Frankenmuth, or Fremont? I realize they are smaller but inte...
by jaybee9
Mon Nov 11, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 691

Re: Feedback on specific Michigan/Midwest insurers

You may want to consider Farm Bureau. We have no claims experience but home/cars premiums were $2,000 less than Liberty Mutual and that was with improved coverage. So, both Farm Bureau and Liberty Mutual are on the Worst Auto Insurance Companies list (granted State Farm is too). Obviously everyone ...
by jaybee9
Mon Nov 11, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 691

Re: Feedback on specific Michigan/Midwest insurers

AAA: Have had them for auto (only) "forever" (at least 30 years). I know I should have shopped the policy, but never did - till I left the state! Only two claims in that time. One at fault, other one not. Settlement and service was great. Autoowners: Had them for homeowners and umbrella "forever" t...
by jaybee9
Mon Nov 11, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 691

Re: Feedback on specific Michigan/Midwest insurers

I've had Auto Owners for about 6-7 yrs and had 1 claim for a hail damaged roof. Everything went smoothly. I have home, auto and umbrella with them and shop rates every couple of years to see if I can do better. Most of the time the little bit of savings I could get by switching doesn't offset the h...
by jaybee9
Mon Nov 11, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 691

Re: Feedback on specific Michigan/Midwest insurers

I bundle auto and home policies. I had AAA for a while and they handled auto claims well (never submitted a home claim). 6 month auto policies only and they always raised my rates. I prefer a 12 month policy for budgeting reasons, I pay in full for the discount. I have had Auto Owners for two years...
by jaybee9
Sat Nov 09, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Feedback on specific Michigan/Midwest insurers
Replies: 11
Views: 691

Feedback on specific Michigan/Midwest insurers

I have been with State Farm for many years. It's time to get some quotes for auto, home, and umbrella. Reviewing data on https://difs.state.mi.us/ComplaintStats and https://www.michiganautolaw.com/blog/2018/06/25/attorneys-guide-to-the-best-auto-insurance-companies I have found the following compani...
by jaybee9
Mon Oct 21, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 16
Views: 3516

Re: Picking a VPN -- 2019

You may want to check out the site below where VPNs are summarized in great detail: https://thatoneprivacysite.net/ Most other sources of information I've come across that aggregate VPN information from this forum and other parts of the internet usually contain limited or affiliated/funded informat...
by jaybee9
Tue Sep 24, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

Kenkat wrote:
Tue Sep 24, 2019 6:29 pm
Haven Life is owned by and policies issued by Mass Mutual. A good company, just wanted to point that out if you are researching.
Yep, I was aware; made it easier to consider them. Honestly not sure why other life insurance companies haven't followed suit.
by jaybee9
Tue Sep 24, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

Stinky wrote:
Mon Sep 23, 2019 10:11 pm
I would feel comfortable buying a term life policy from any of those companies. You could choose the cheapest price, based on your final underwriting class with the company.
Good to know thanks!
by jaybee9
Tue Sep 24, 2019 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

Sleep apnea will get very different ratings between companies. The severity, compliance, length of treatment, and any other comorbid conditions (overweight/high BP or cholesterol/diabetes/heart issues etc) are important factors. Mild sleep apnea with full CPAP compliance can potentially get Preferr...
by jaybee9
Mon Sep 23, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

Quotes are meaningless because you don't know what rating class you will qualify for and how certain health issues will be viewed by different insurance companies. An agent can help narrow that down based on some basic health questions and would be more familiar with the differences between insuran...
by jaybee9
Mon Sep 23, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

If you'd post the names of the five companies you're considering here, you'll get some feedback on their ability to pay your claim. Alternatively, go to zander.com and get quotes from there. I'd personally feel comfortable with buying term life insurance from any company that is listed on the Zande...
by jaybee9
Mon Sep 23, 2019 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

Sounds like not a great agent. I’d find another one. IIRC term4sale will suggest at least 3. Zander too I think. Vote with your feet. Re underwriter, I’d screen by financial health/rating, then premium, then expected customer service experience (seems like there’s some variability with things like ...
by jaybee9
Sat Sep 21, 2019 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Re: Term life company downselect?

So as BruDude often says, "Quotes are meaningless without an offer of coverage" what is even the point of getting quotes? If companies can put out a low quote to entice you and then come back higher? How is one to know what the other companies would have offered? The way my agent is going about this...
by jaybee9
Wed Sep 18, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Term life company downselect?
Replies: 14
Views: 1130

Term life company downselect?

Following previous advice given here, I have found an independent life insurance company, given the requisite information, and gotten term life quotes. The standard advice seems to be check to make sure their rating is satisfactory and then go with the lowest offer. It may just be me but it seems li...
by jaybee9
Thu Jun 20, 2019 10:17 pm
Forum: Personal Consumer Issues
Topic: Radon levels in home
Replies: 50
Views: 4978

Re: Radon levels in home

Curious if these are two most popular potable radon detectors people use: Corentium Home Radon Detector by Airthings 223 Portable Safety Siren Pro Series3 Radon Gas Detector - HS71512 by Family Safety Products Can you share your experiences with them on pitfalls /issues/recommendations? Thanks! I h...
by jaybee9
Fri Apr 19, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Thanks to the OP for sharing the results of your research. You are welcome! Actually I updated it some more because I wanted to look at Hitachi and Bosch lines. Here's the link again: https://docs.google.com/spreadsheets/d/1aod3map5X4e2vPZPpLH6EayjAHahVsSo_olDY05vRxk/edit#gid=0 A general note about...
by jaybee9
Fri Apr 19, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Do you have a menards and homedepot near you? If so today starts the menards 11% off sale, and home depot honors that sale and will send a 11% gift card by mail. The website is not up to date for the sale that just started this morning but should be soon. I have used the program numerous times for ...
by jaybee9
Sat Apr 06, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

I've used Milwaukee, Makita, Bosch, Porter Cable and a few other brands over the years and all have been good. My cordless tools are DeWalt which have also been good. The only reason I stick with DeWalt is that I have a dealer here in town and at this point, I have a drawer full of them that all us...
by jaybee9
Sat Apr 06, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

nordsteve wrote:
Sat Apr 06, 2019 6:39 am
Agree that this is a system decision. I've been happy with the 18v Makita line, and have the brushless drill and driver. Both are great.
I like Makita line too. How do the circular saw and reciprocating saw do when cordless for DIY stuff? Do you have enough power?
by jaybee9
Sat Apr 06, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Do you find your Ryobi's are good enough for automotive work (you mentioned mechanic)? The majority of cordless power tools (regardless of brand) are not well-suited to automotive work. The two exceptions being the cordless ratchets (which I love so much I'm thinking about getting another in a diff...
by jaybee9
Sat Apr 06, 2019 10:26 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

That was a lot of research you did. Spreadsheet? Wow. Me, I would go to Harbor Freight and buy what I need. If it breaks, I buy a new one. Usually they don't break for use around the house. If I was a contractor or had an extensive repair that used such a tool I would still use a Harbor freight too...
by jaybee9
Sat Apr 06, 2019 9:57 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Me, I would go to Harbor Freight and buy what I need. If it breaks, I buy a new one. Usually they don't break for use around the house. If I was a contractor or had an extensive repair that used such a tool I would still use a Harbor freight tool until it gave out. Then I might go your route. I hav...
by jaybee9
Sat Apr 06, 2019 9:19 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

That was a lot of research you did. Spreadsheet? Wow. Me, I would go to Harbor Freight and buy what I need. If it breaks, I buy a new one. Usually they don't break for use around the house. If I was a contractor or had an extensive repair that used such a tool I would still use a Harbor freight too...
by jaybee9
Sat Apr 06, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

After going through Dewalt and Porter Cable drills I made the switch to Ridgid and never looked back. In my hands, drills never "break" but the batteries eventually fail to hold a charge. A set of 2 replacement batteries is the same price as a new drill. Ridgid offers a lifetime warranty on many of...
by jaybee9
Sat Apr 06, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Milwaukee M12 are solid and relatively small. Great in tight spots or working overhead. M18 are larger, more powerful but most won't need the difference. Larger batteries, but heavier. I had M12 and sold everything for M18. My recommendation would be to look at the complete tool line and see what y...
by jaybee9
Sat Apr 06, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Will the tools be used daily or just from time to time around the house? ... I don't know if the tools at this price point would stand up to daily commercial use - probably not - but for deck repairs and general home improvement they're more than enough. I haven't given away my 3 corded drills or h...
by jaybee9
Sat Apr 06, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Re: Drill & driver combo kit comparison

Your first mistake is believing that the voltage of dewalt is more than milwaukee amd other 18v tools. Dont worry, I did too until someone else in the internet pointed out that dewalt "20v" is max voltage while its really 18v nominal. That was enough to make me change from yellow to red when I was ...
by jaybee9
Sat Apr 06, 2019 1:21 am
Forum: Personal Consumer Issues
Topic: Drill & driver combo kit comparison
Replies: 46
Views: 3147

Drill & driver combo kit comparison

I was shopping for a cordless drill and driver combo kit last weekend at Home Depot and was totally overwhelmed by all the different options. Things have changed a lot since I last did some serious power tool shopping. Researching online left me with the same feeling as the compare feature on Home D...
by jaybee9
Fri Mar 22, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Thanks for the additional information BruDude. I will be applying soon after I finish my estimate of how my insurance I need.
by jaybee9
Thu Mar 21, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Amongst the quotes I got from the agent I am working with is a policy from Banner called OPTerm 20 (20 year term). It has two built-in riders (10 year and 15 year). The agent suggested it because I mentioned I was wanting to ladder policies. Anyone have any experience with this policy? I saw a comme...
by jaybee9
Thu Mar 21, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1229
Views: 158388

Re: Fidelity as a one stop shop

How about you provide list of questions that we can answer? Option#1: Brokerage account only - Can get ATM card but no free ATM fees - Sweep options: SPAXX or FZFXX - Bill Pay, Check writing, ACH, Deposits available - Deposit/withdrawal from sweep fund - Withdrawal fails if no money in sweep - Over...
by jaybee9
Sat Mar 16, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

If you have been diagnosed with sleep apnea, you are not "in very good health" according to the insurance company. Mild sleep apnea with full compliance of recommended treatment and CPAP use can still get Preferred Plus rates with a few companies, but if you aren't using a CPAP machine you are goin...
by jaybee9
Sat Mar 16, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

I thought I would report back with some updates. I talked to several different independent insurance companies yesterday. For me it's a little hard to know whether someone is a "good" agent just from talking to them for 5-10 minutes on the phone. That said, speaking to them helped me to understand w...
by jaybee9
Fri Mar 15, 2019 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Thanks for explaining the differences in companies. I just talked to State Farm and you are correct they were like 2.5x - 3x the lowest prices I was seeing on term4sale.com :shock: I would stop trying to compare rates and start looking for a good independent agent. At this point, comparing rates is...
by jaybee9
Fri Mar 15, 2019 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

In terms of what you buy. It may suit to buy for example a 20 year policy and a 30 year policy. Or 2 x 20 year policies. That way, you can lapse one in the future as your needs change (more investments => less need), but still have protection in place at a price agreed now, when you are young and h...
by jaybee9
Fri Mar 15, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Perhaps also worth mentioning that State Farm didn't offer 15 year term insurance, which I am considering. So, more expensive, less options.
by jaybee9
Fri Mar 15, 2019 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

So I went on term4sale and put in my specifics (location, age, health, etc) and created a data set comparing insurance amounts, premiums, and term lengths. I pulled the lowest quote for each combination of insurance amount and term length (I realize price isn't the only factor per previous comments...
by jaybee9
Fri Mar 15, 2019 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

The problem with companies like Amica, State Farm and others, is that they are primarily property and casualty ("P&C") insurance carriers and do not have nearly as much expertise in the life insurance arena as the specialty life insurance companies. As a result, the P&C carriers tend to be extremel...
by jaybee9
Fri Mar 15, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

So as I go through the list of agents I got through putting in various ZIP codes in my area, I've been seeing agents come up that aren't actually local. Does that matter? I guess if all the work is done over the phone or Internet it doesn't matter I suppose.
by jaybee9
Fri Mar 15, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Captive companies like Amica and State Farm are not going to have competitive rates with a history of sleep apnea. They are very conservative with their underwriting. Somehow I missed the OPs part about sleep apnea...You are probably correct. Although a lot of the questions were in the last 5 years...
by jaybee9
Fri Mar 15, 2019 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

In terms of what you buy. It may suit to buy for example a 20 year policy and a 30 year policy. Or 2 x 20 year policies. That way, you can lapse one in the future as your needs change (more investments => less need), but still have protection in place at a price agreed now, when you are young and h...
by jaybee9
Thu Mar 14, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

I would just call the agents and discuss what you need. If they seem nice and immediately understand what you want, then they should quickly start guiding you on how to proceed. If they start selling cash value insurance, investments, or annuities, then hang up and move on. Call three agents, even ...
by jaybee9
Thu Mar 14, 2019 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Check out Amica Insurance. I got an additional term policy with them recently in preparation of having baby #2. They were not the cheapest, but they were very competitive for me. I also got quotes with State Farm, Guardian, and term4sale ran several quotes...Amica was the lowest of the top rated co...
by jaybee9
Thu Mar 14, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

I'm in the process of signing up for life insurance and had similar questions. You should ask about riders and something call roll on or extension after the term. Adding riders to my list of questions for the agent. I'm guessing that is more for people with special health conditions. I was planning...
by jaybee9
Thu Mar 14, 2019 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Answers below: I am in the process of trying to switch from life insurance through work to getting term life through term4sale.com. I have several questions: - All else being equal, how do you pick between different quotes where the companies have the same rating but the premium differs by cents or...
by jaybee9
Thu Mar 14, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

I personally used Zander Insurance (zander.com) for my term life insurance purchases. They will be able to answer a lot of your questions, including sleep apnea etc. Level premium term insurance can be cancelled at any time without cost to you. However, if you were to (for example) buy a 20 year le...
by jaybee9
Thu Mar 14, 2019 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

Why not consider a local independent insurance broker? They seem to be everywhere, and could do some shopping for you while knowing about how the companies seem to rate medical problems. You don't want one who only deals with one company, if possible. I plan to call one or more of the independent i...
by jaybee9
Thu Mar 14, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance
Replies: 43
Views: 2721

Re: Life insurance

JBTX wrote:
Wed Mar 13, 2019 11:02 pm
I've heard some people here recommend going through a broker.
term4sale.com gives quotes and 3 independent agents in the area you designate (by ZIP code).