Search found 56 matches

by oko
Wed May 13, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6311

Re: WFW (Work from Wherever)

I have been WFH past 13 years. I worked from various places (mostly Europe). I can't say it was fun. One reason is that I am a software developer and not having my 30" monitor and have to work on tiny laptop screen reduces the fun of working. So I decided to keep vacation and work completely separat...
by oko
Tue May 12, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America unauthorized ATM withdrawal
Replies: 47
Views: 2270

Re: Bank of America unauthorized ATM withdrawal

There were many times I did not recognize a transaction and panic. And then some thinking/research/peeking at the receipts reminds me that it was actually me or my wife who did it. I have my credit card number stolen and used many times, and they were all out of state, even out of country. So IMO it...
by oko
Mon Apr 20, 2020 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10184

Re: Laid off!!

I agree with others: Being laid off was one of the worst experiences of my entire life. In our case, our whole remote office (of a mega corp) was shut down, all jobs being shifted to India (we, who have almost 100 years of combined experience, were kept for two more weeks to train our Indian enginee...
by oko
Wed Apr 15, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27203

Re: Report when you receive your stimulus check here

Received my direct deposit for $2400 today.
by oko
Fri Mar 13, 2020 1:05 pm
Forum: Personal Investments
Topic: Purchase airline stock?
Replies: 32
Views: 2116

Re: Purchase airline stock?

I believe all of the major airlines have gone bankrupt at least once. Not LUV or JBLU. Not sure about ALK. But you’re right about the other majors. Not only that Southwest never declared bankruptcy, it has been profitable for 45 years in a row, including Sep-11 time frame: https://www.inc.com/jim-s...
by oko
Tue Mar 03, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Home internet uptime monitor
Replies: 27
Views: 1408

Re: Home internet uptime monitor

This happened to me just once in the last 15+ years, and the culprit was the Motorola Cable Modem. That cable modem was (according to the box) "most commonly used modem with X hundred millions sold", but its reviews were full of similar issues. Moreover, it was pretty expensive. I returned it and bo...
by oko
Tue Feb 25, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Avis charging for existing damage on rental car
Replies: 111
Views: 7629

Re: Avis charging for existing damage on rental car

This is a learning experience no doubt, but I don't understand those who say it is *my* responsibility to inspect the car when it should be the company's responsibility to examine their vehicles prior to renting to someone. I had a deadline I had to meet, I was in a time crunch, and I was unable to...
by oko
Sat Feb 15, 2020 1:36 pm
Forum: Personal Consumer Issues
Topic: I bought Consumer Reports lowest rated car...
Replies: 76
Views: 9347

Re: I bought Consumer Reports lowest rated car...

I got CR lowest rated HVAC system for home (Goodman) and I wasn't lucky. It's evaporator coil had to be changed 3 times (so far) among other issues. To my defense, I bought it because the installer gave 10 year labor warranty. I trusted him. He indeed does not charge for labor, but he charges for th...
by oko
Wed Feb 12, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: Expensive ink cartridge for Canon printer
Replies: 21
Views: 899

Re: Expensive ink cartridge for Canon printer

I have Canon MX series printer and I buy ink from ebay, which is around 50 cents to $1. Never had issues with it. I have been doing that for years and printer is still fine. When I mentioned this in some forums some time ago, people claimed that that cheap ink is bad and the printouts will be unread...
by oko
Mon Feb 10, 2020 5:02 pm
Forum: Investing - Theory, News & General
Topic: Motley Fool,,,am I right about this?
Replies: 35
Views: 6237

Re: Motley Fool,,,am I right about this?

I am a MF subscriber for years. I cannot invest in mutual funds/ETFs for ethical and religious purposes, so I invest in individual stocks. MF reduces the number of stocks to look at, that's the main reason I am subscribed to them. I only invest a subset of their recommendations. BTW: They have a mut...
by oko
Wed Dec 18, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: New ETF HLAL
Replies: 17
Views: 1231

Re: New ETF HLAL

I understand that the fund avoids moneylending for religious reasons. But if one was being true to religious thinking, I would think you would not have a huge amount of your investment in Johnson & Johnson whose executives have knowingly sold medical devices that have harmed and killed patients, ba...
by oko
Sun Sep 08, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?
Replies: 44
Views: 3630

Re: Does anybody replace HVAC capacitors presumptively before they fail as part of maintenance?

Several years ago the company who installed my A/C (and gave me 10 year labor warranty) told me that my capacitor is at the end of is life, and offered to change it for $220 (Capacitor cost was $20, and he already has the panel open). I refused. The capacitor has been working fine (for years) since ...
by oko
Tue Aug 13, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: House purchase (cash)... wire transfer or cashier's check?
Replies: 32
Views: 3427

Re: House purchase (cash)... wire transfer or cashier's check?

Be very careful with the wire. There was a recent news about this. An email coming from the "title company" instructs the wire instructions on the morning of the closure. This guy wires around $400K (don't remember exact value). And then it turns out to be that the email was faked. Fortunately polic...
by oko
Tue Jul 09, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3990

Re: Dealer shows trade-in value much higher to avoid sales tax

Let me also include a web advertisement from a Texas dealer mentioning the tax credit. If there is anyone in dealership business among our Bogleheads, they might tell us what this "tax credit" is. Q: Is the Tucson available with a Tax Free Lease, and exactly what is a Tax Free Lease and how do I ben...
by oko
Tue Jul 09, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3990

Re: Dealer shows trade-in value much higher to avoid sales tax

It sounds like the earlier allegations of “fraud” by some folks were a little premature. A thread anything to do with taxes, particularly somebody paying less taxes than might be expected, and people on this forum start shouting 'fraud!' without knowing what they are talking about: who'd have ever ...
by oko
Tue Jul 09, 2019 7:29 am
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3990

Re: Dealer shows trade-in value much higher to avoid sales tax

Thanks for all the replies! Based on these replies, I did some more research. It looks like there is no fraud. Here's what is happening: * The registration sales receipt I got from Texas State is not about the lease. It is about the car's sale from the dealer to the lessor (Nissan Infinity). So it h...
by oko
Mon Jul 08, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3990

Re: Dealer shows trade-in value much higher to avoid sales tax

The dealer may be breaking the law and may be exposing you to legal action from the state. The tax is due on the sale of the vehicle (minus the trade value) and you paid the tax due to the dealer but they failed to pass it along to the state and instead filed fraudulent paperwork to avoid paying th...
by oko
Mon Jul 08, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Dealer shows trade-in value much higher to avoid sales tax
Replies: 34
Views: 3990

Dealer shows trade-in value much higher to avoid sales tax

Hi everyone, I always get very helpful responses here so I am asking for opinions about a car lease question. I always negotiate the "out the door" (OTD) price when buying cars. So the dealer and I agreed on the price, I leased the car by trading-in my 9 year old car, worth about $3,000 - 3,5000. I ...
by oko
Sat Jun 29, 2019 10:47 am
Forum: Investing - Theory, News & General
Topic: Why do so many stocks in defensive sectors increase in value despite little to no improvements in fundamentals?
Replies: 25
Views: 2390

Re: Why do so many stocks in defensive sectors increase in value despite little to no improvements in fundamentals?

Maybe I am thinking too simple and this explanation might be too stupid, but I'll say it anyway :-). FED added trillions of dollars to the circulation in 2008 crises right? Did they pull all of that money? I don't know. If not, that money has to go somewhere, and ever increasing stock market is a na...
by oko
Tue Jun 04, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Any Mint Mobile customers here?
Replies: 37
Views: 2806

Re: Any Mint Mobile customers here?

I have mint for years, along with my wife. Since it is basically T-Mobile, I almost never had to contact customer service. If my memory is not incorrect, I contacted them once for a voice mail issue, and they fixed it very quickly (probably in a couple of hours). I would imagine all technical issues...
by oko
Tue May 28, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Electric, corded, trimmer edger recommendations
Replies: 11
Views: 935

Re: Electric, corded, trimmer edger recommendations

I used corded for years, and then cordless for a few more years. I would never go back to corded. I had same brand (toro) cordless blower, hedge trimmer and edger, all using same type of battery. So I always had 3 batteries, if one is depleted, I could use another full waiting. Now that I got rid of...
by oko
Thu May 09, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protection
Replies: 22
Views: 2489

Re: Whole House Surge Protection

BTW: None of the "angie's list coupons" ever helped us. One company told me that they are using a different pricing for angie's list coupons. I understood this as they bid something for $500 if angie's is not involved, and $600 with $100 coupon if angie's is involved. Last time I used an angie's dea...
by oko
Thu May 09, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Whole House Surge Protection
Replies: 22
Views: 2489

Re: Whole House Surge Protection

I had it installed several years ago. I bought the unit for $50, and I hired an electrician to do the job. He did this job and a few others (connecting an energy meter, replacing several breakers) for only $100. So it cost me $150 including unrelated additional work. I don't know why they quote this...
by oko
Tue Apr 16, 2019 9:18 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11926

Re: seriously thinking about leaving S. CA but where to?

Austin won't work for OP if politics is playing a role since Austin is the "blue dot in red state".
by oko
Thu Apr 11, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1585
Views: 218096

Re: Using Fidelity Cash Management as my only bank account

Some things I don't like Fidelity cash account: * Deposit cash problems. * Have to call them for travel notice (if you plan to use ATM abroad). * No easy way to get international wire transfer (if you ever need one. I once needed. Called them and they gave me a few loooong account numbers). * AFAIK ...
by oko
Thu Apr 11, 2019 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1561

Re: TaxAcT - PSA on gouging

I searched for TaxAct on SlickDeals (back in December) and there was a deal for "all inclusive" for $9.95. I clicked on it and enrolled and filed my taxes for that amount (which included Schedule-D). If you want to buy anything (not only TaxAct, but anything), I'll advice visiting SlickDeals. It use...
by oko
Mon Apr 01, 2019 9:37 am
Forum: Investing - Theory, News & General
Topic: I don't understand stock buybacks
Replies: 165
Views: 8678

Re: I don't understand stock buybacks

I recently read an article about how Sears spent several billion dollars on stock buybacks in the last few years, and we all now how Sears is doing now. The article was asking this question: What if Sears spent all these billions on technology improvements, better inventory control or similar things...
by oko
Fri Mar 08, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: I need to ethically reneg on a large eBay purchase
Replies: 39
Views: 5377

Re: I need to ethically reneg on a large eBay purchase

I had many non-paying bidders in the past. In one case, a lady bid on something, never paid, and when I relisted, she bid again! Ebay does not do anything to non-paying bidders if it is not excessive. Sellers cannot put negative feedback to buyers anyway. When a buyer changes his/her mind, I simply ...
by oko
Mon Feb 18, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 12220

Re: Wife filled our gas engine car with diesel fuel

Years ago when I read similar stories, I wondered "how can someone do this???". One day, I was away from home, family, traveling to some place which I really don't like, for business, and my head was fill of things, worries etc. I tried to insert the nuzzle to my own car and wondered why it did not ...
by oko
Fri Feb 15, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Can you do a chargeback on your credit card? I don't think so. If I do that, they will ask Sam's if tires were installed. And Sam's will say "yes". I don't think the credit card guys will care or understand what the problem about 3 year old tires. Also I did not use my Amex but used BoA credit card...
by oko
Thu Feb 14, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

Both Sam's club's and samsclub.com's customer service is a joke. They promised to callback "tomorrow" on Monday but I never received one. I tweeted to Sam's club's official account and they did not even reply. If anyone still thinks that getting 3 years old tires is okay, here's some more info: 1-If...
by oko
Thu Feb 14, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 211
Views: 39144

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I was surprised to see that online charity donations also counts as "online" category, earning 3% or 5.25%.
by oko
Tue Feb 12, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I went to Costco tire center yesterday also. The people there looked much more knowledgeable, professional and helpful there. The guy there spent like 20 minutes with me going over the options. He said as a company policy, they never sell 3 year old or older tires and all tires they have are manufac...
by oko
Mon Feb 11, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I went to the store and talked to the manager. And I really lost hope that this will get solved. They say they cannot reinstall my old tires no matter how I insisted, and they don't want to give any discount for 3 year old tires either. Although they say they won't put back my tires back because the...
by oko
Mon Feb 11, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

This became even more complicated. The supervisor called and told me that they cannot reinstall my old tires because they are tool old! My old tires are 6.5 years old. They install 3 year old tires as "new" but cannot reinstall my 6.5 year old tires because they are too old! What an irony! I guess I...
by oko
Sun Feb 10, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

You're supposed to replace tires every six years? Why? Is that like you're supposed to throw drugs away the day after their expiration date? That somehow they go from perfectly fine to completely unacceptable overnight? The worst thing that could happen from using drugs after expiration dates (whic...
by oko
Sun Feb 10, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

OP here. I called Sam's Club 10 minutes after they opened. They promised a call back from supervisor, and I finally got the call a short while ago. Here's what he says: 1-They have no control over what tires are/will be sent and they cannot know the tire manufacture date before the tires are sent. I...
by oko
Sun Feb 10, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

I don't know where you live but here in Arizona the freeways are littered with the tread carcasses of tires that have disintegrated. They are not worn out treads either, they are just the results of old tires plus 100deg+ temperatures. A real hazard to the driver and any car behind that can't avoid...
by oko
Sun Feb 10, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

OP here, thanks for all the suggestions. The tire date is 2816, which makes it July 2016, so the tires are 2 years 7 months old. I'll contact the tire center when they open today. I'll post the progress (if they will do anything about this). BTW: Here's a link on NTSB's own website about tire aging:...
by oko
Sat Feb 09, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 9400

3 year old tires installed (Sam's club). Should I do anything about this?

After reading all these articles about tires should be replaced after 6 years regardless of thread depth, I had my tires replaced today, which only had 25K miles on them (we drive only 4K to 5K/year). When I came home and checked them, I see that they are manufactured in 2016, making them almost 3 y...
by oko
Tue Feb 05, 2019 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Crazy lady backs into my car...don't think she will pay me out of pocket
Replies: 103
Views: 10685

Re: Crazy lady backs into my car...dont think she will pay me out of pocket

Which number do you guys dial for police report? I am assuming it is not 911. We have 311 for non-emergencies but I don't know how long will it take for police to respond. According to the nextdoor, at 5am in the morning someone (probably drunk or under the influence of drugs) was damaging/hitting o...
by oko
Mon Feb 04, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118363

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

Previously I asked a question about transferring from Optum to Fidelity and did not get any responses. So let me answer my own question: I did a transfer using the "pull" method at Fidelity from Optum bank. Here's what I experienced: * Transfer is painfully slow. You need to print stuff, send it to ...
by oko
Fri Jan 18, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve and Costco travel
Replies: 2
Views: 1634

Re: Chase Sapphire Reserve and Costco travel

Yes, I did and can confirm. In fact I got my $300 travel refund from that purchase.
by oko
Tue Jan 08, 2019 12:27 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118363

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I see many people mentions about "pull from Optum to Fidelity" and asking about if Optum charges $20 for this (if Optum initiates it, it definitely charges $20 as I did this in the past to Saturna). But I don't see any replies or any experiences regarding this. I am sure many people did that. Can an...
by oko
Mon Dec 31, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve
Replies: 75
Views: 10829

Re: Chase Sapphire Reserve

I second the 5/24 check. Note that the cards you got as an authorized user also counts for the 5/24 rule. Say that you opened 4 cards in the last 24 months, and became authorized user for your spouse's card, then you are not eligible for most Chase cards (at least for a while). If you and your spous...
by oko
Sun Dec 16, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2968

Re: Annoyingly Expensive HP Ink Cartridges

This was the reason I stopped buying HP printers years ago. I have Cannon MX series, and I spend 25 cents to 50 cents per cartridge. In fact, I kind of make money on them since Officemax/Officedepot pays $2 per cartridge (as gift card). Cannon ink cartridge is "dumb", i.e. only holds ink, without pr...
by oko
Wed Dec 05, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 23300

Re: Best values at Costco? Honestly, a little disappointed...

The amount of money we save from Costco Travel PER YEAR is worth a few year's executive membership. Next time you rent a car, or go to Hawaii and Caribbean, just search all of the travel sites and compare it with Costco. For example, last year we went to Cayman, and the hotel price I got from Costco...
by oko
Tue Nov 27, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: LastPass Questions
Replies: 27
Views: 2111

Re: LastPass Questions

I used to have premium version, then they doubled their price and I downgraded to the free version. I see absolutely no difference. I think it used to be like this: Only premium version could use the phone app. But now free version can. So why would anyone pay for premium, I don't know. My wife and ...
by oko
Mon Aug 20, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 49
Views: 59511

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I read from somewhere how $2-$3 cost glasses are sold for $200-$300 at retailers. I don't know how accurate that was. But I certainly think the materials on a non-designer glasses are costing 1-$2 to the manufacturer (I use frameless glasses for years, and there is not much material on those). I sto...
by oko
Sun Aug 19, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: New Zealand
Replies: 17
Views: 1853

Re: New Zealand

Would you consider going to Tahiti or Fiji for a week + 2 weeks in NZ instead of 3 weeks in NZ? Because if you travel half round the world, IMO it makes sense to visit those places also. We did exactly that in 2013. I agree that NZ is very beautiful, but nothing so much special really there. Milford...