Search found 262 matches

by Cyclone
Fri Sep 28, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 30
Views: 2209

Re: Amex premium car rental insurance not kicking in

I received a letter from AMEX Assurance Company dated September 16. It says, "Any new or replacement Card accounts issued to you on or after 10/31/2018 will not be automatically enrolled into the above listed insurance products. If you're issued a new replacement American Express Card account on or ...
by Cyclone
Wed Sep 26, 2018 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle $500 rental car damage with CC insurance
Replies: 14
Views: 2030

Re: How to handle $500 rental car damage with CC insurance

I had a bigger claim with them over a year ago. When it was over they thanked me for using my American Express card for the rental, so it doesn't sound like they were too upset. They haven't dropped me.
by Cyclone
Mon Sep 24, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Solo proprietor - separate bank account needed?
Replies: 7
Views: 650

Re: Solo proprietor - separate bank account needed?

Her bank probably will not want her to use her personal account as a business account. Certain regulations apply to consumers, but not businesses.
by Cyclone
Thu Sep 06, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Elderly (innocent) relative received this horrible email
Replies: 51
Views: 5925

Re: Elderly (innocent) relative received this horrible email

Even if this was true, what could the blackmailer really do? People would see a split-screen of the victim staring at a computer screen on one side, then on the other would be a porn video? What would that prove anyway?
by Cyclone
Thu Aug 30, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Zelle, online payments
Replies: 53
Views: 4486

Re: Zelle, online payments

Be aware that with these P2P payment services, if you send it to the wrong person by mistake you are probably only to get it back if they decide to send it back to you. Your bank will not help you ("We followed your instructions").
by Cyclone
Sat Aug 25, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of a fiance visa and green card
Replies: 7
Views: 894

Re: Cost of a fiance visa and green card

I agree this can be complicated. I would recommend to get a book on the process and forms, probably whatever is the highest rated book on the subject from Amazon. Also, a very helpful website is www.immihelp.com. You only need a lawyer if you have an unusual situation, or you can't figure out the fo...
by Cyclone
Thu Aug 16, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Anecdote: PMI Removed
Replies: 9
Views: 2085

Re: Anecdote: PMI Removed

The trouble is, there are different sets of rules. There is the Homeowners Protection Act, Fannie and Freddie have their own rules, and some states have other rules. Even bankers have trouble keeping it straight. Look at that annual letter the lender is supposed to send you (and hope they sent you t...
by Cyclone
Sun Aug 05, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Good/Cheap Glucose Monitoring System.
Replies: 15
Views: 1285

Re: Good/Cheap Glucose Monitoring System.

The CVS brand meter and strips are cheap - they call it the "Advanced Glucose Meter". You can save even more if you buy the strips from their website.
by Cyclone
Fri Aug 03, 2018 1:03 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4911

Re: Which diet soda pop do you enjoy?

As someone said earlier, Coke Zero no longer exists. Now it is Coke Zero Sugar, which I didn't like at first but now I think is acceptable. You can still get caffeine free Coke Zero in stores, and that is my favorite. I've had diabetes for over 39 years, so I'm kind of an expert on diet sodas. I was...
by Cyclone
Thu Jul 12, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5975

Re: Anyone take naps at work?

I was a savings and loan examiner, and when I was at Washington Federal around the year 2000 they had nap rooms. People definitely used them. I don't know if there were rules, such as time limits. I thought it made a lot of sense.
by Cyclone
Mon Jul 09, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 4388

Re: Tipping in a hotel room/cruise ship room

I have never been on a cruise. My wife is a minibar attendant in a luxury hotel, and can tell you that by leaving money in the room for the housekeeper it will only be taken by the person who was assigned to clean your room that day. The housekeeper that day may only work Fridays, for example. Anoth...
by Cyclone
Fri May 18, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 19
Views: 2918

Re: Dash camera

I've wondered if, for everyday driving, you could simply set up a cellphone on a stand on the dashboard to record. Once you reach your destination (safely), you could just delete the video and start a new one.
by Cyclone
Wed May 16, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1853

Re: Interesting/Playful ideas for 1 year baby

You can start teaching sign language. There is even a "Dummies" book about it. Young children can communicate with sign language before they can talk.

I can understand limiting television, but there is The Baby Channel. I haven't watched it, but maybe it she would like it.
by Cyclone
Wed May 02, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Have you quit eating sugar? Tell me how!
Replies: 129
Views: 11839

Re: Have you quit eating sugar? Tell me how!

I'm going to suggest something completely different. I read this in a Tony Robbins book, I think "Awaken the Giant Within". For someone trying to stop eating candy (I don't remember if it was all types of candy, or just chocolate), he told the guy to eat nothing but candy. Eat all the candy you want...
by Cyclone
Sun Apr 29, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Visiting OK and KS with family
Replies: 31
Views: 2076

Re: Visiting OK and KS with family

Consider giving the kids some Dramamine before a long drive. I remember getting very carsick driving through that area when I was around that age.
by Cyclone
Mon Apr 16, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: San Diego Safari Zoo
Replies: 13
Views: 1256

Re: San Diego Safari Zoo

I would also highly recommend the caravan safari. You are right there feeding giraffes and rhinos, versus viewing them from a distance.
by Cyclone
Sat Apr 14, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Disneay Aulani (Hawaii) vacation planning
Replies: 14
Views: 1438

Re: Disneay Aulani (Hawaii) vacation planning

My wife and I stayed at the Four Seasons last summer. That is a fantastic hotel if you can find a way to stay there (my wife works at another Four Seasons). We walked around the Aulani and it looks great for kids, but it is also crowded. The food at the Four Seasons can be reasonable in price if you...
by Cyclone
Sat Mar 31, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3968

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

21st Century is owned by Farmers. But I have been a 21st customer for years, and I have found them to be helpful when I needed it.
by Cyclone
Tue Mar 20, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: Most Effective Rat Poison
Replies: 42
Views: 4455

Re: Most Effective Rat Poison

A long time ago I read to mix half cement (not concrete - cement is the powder mixed to make concrete) and half cocoa, and place it in a shallow pan alongside a pan of water. I have no idea if it actually works. We had a dog that used to love rat poison. He would growl and snap at you if you tried t...
by Cyclone
Mon Mar 12, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 6213

Re: Bicycle Commuting in LA - Thoughts?

I drive in Los Angeles every day, and I don't think it's a good idea. Drivers are supposed to leave a certain distance between their vehicle and the bicycle (three feet?), but hardly anybody does that. I notice that bicycle lanes seem to disappear for no reason as well. It's really going to depend o...
by Cyclone
Thu Feb 22, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 3002

Re: Employment for Immigrant Wife

My wife is from the Philippines. Her first job was at McDonalds, and now she is doing very well at a luxury hotel. They have many Chinese-speaking guests, and I know they would love to have more staff members who speak the language.
by Cyclone
Mon Jan 01, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 5233

Re: Hawaii vacation suggestions

You will need a permit to bring a pet to Hawaii, plus a lot of other stuff you need to know:
http://hdoa.hawaii.gov/ai/aqs/animal-qu ... tion-page/
by Cyclone
Tue Nov 21, 2017 12:17 am
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6810

Re: Trip to Hawaii - what do I need to know

Step one is to figure out what you want to see, because each island is different. For example, if you want to see a volcano you need to go to the Big Island.
by Cyclone
Fri Oct 27, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not discharging PMI?
Replies: 15
Views: 2350

Re: Bank not discharging PMI?

In addition to the Homeowners Protection Act, Fannie Mae and Freddie Mac have their own rules, in case the loan was sold to them.
by Cyclone
Mon Oct 16, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4842

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

If visiting Pearl Harbor, you should make reservations ahead of time. My wife and I went to visit in July and I forgot about that. We got to Pearl Harbor shortly after it opened, and the boats to the memorial were already booked until 3:30. I have to laugh at the posters referring to Honolulu as a "...
by Cyclone
Sun Oct 08, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 3731

Re: Rental cars and Lose of Use insurance

I have the type of Amex insurance that you pay $18 per rental. It is primary coverage (on the rental car, not any other car you hit). I did learn the hard way that it does work like they say it will, and their service was very good. I don't know the details about logs and such, but I know they did r...
by Cyclone
Fri Oct 06, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 3388

Re: Fidelity: can no longer use first initial, middle name

There is absolutely nothing in the Patriot Act that says financial institution customers cannot use an initial as their first name.
by Cyclone
Sat Sep 02, 2017 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Discover card inquiry about income and liquid assets
Replies: 50
Views: 6054

Re: Discover card inquiry about income and liquid assets

DaftInvestor is correct. Recent changes in regulations require that the credit card issuer ask your income before increasing your credit limit. The issuer can rely on what you say. In other words they do not have to ask for proof, although I think they can.
by Cyclone
Thu Aug 24, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not responsible for money stolen by online hackers.
Replies: 13
Views: 3738

Re: Bank not responsible for money stolen by online hackers.

As somebody said, business accounts do not have nearly the same protections as consumer accounts.
by Cyclone
Fri Aug 18, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 6
Views: 763

Re: Organ (Music) Question

My mother has a church organ (by Allen) I will probably have to dispose of someday as well. She says there are always churches or colleges that would like to have one.
by Cyclone
Thu Jul 27, 2017 8:13 pm
Forum: Personal Consumer Issues
Topic: Where to move? New job, considering Nevada...
Replies: 28
Views: 3563

Re: Where to move? New job, considering Nevada...

Two points: - If you are considering Phoenix, you might also think about Tucson. It is smaller and a little cooler (because of higher elevation). There are other small cities in Arizona (such as Flagstaff, Prescott, or Payson) that are not hot at all. - I believe the Big Island of Hawaii can be a ch...
by Cyclone
Tue Jul 04, 2017 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Commercial Office Building with 12 Tenants
Replies: 19
Views: 2593

Re: Commercial Office Building with 12 Tenants

Can you really get a loan for 20 percent down? The bank I work for would require at least 25 percent. How about that interest rate of 5 percent, is that fixed for the full ten years?
by Cyclone
Tue Jun 27, 2017 7:15 pm
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 5798

Re: Things to do in Iowa/Nebraska

I would devote more time to the Amanas. It's one of Iowa's top attractions (for what it's worth - it's no Grand Canyon). I would skip Adventureland entirely, it's just a crappy tiny theme park. There are much better things to do in or near Des Moines.
by Cyclone
Tue Jun 27, 2017 12:37 am
Forum: Personal Consumer Issues
Topic: Things to do in Iowa/Nebraska
Replies: 73
Views: 5798

Re: Things to do in Iowa/Nebraska

That is a terrible time to go - too late for strawberries and too early for sweet corn. The Iowa State Fair is a few weeks later, too. Probably the best thing to see there is the fair, you really should see it. One suggestion I don't see yet is to tour Winnebago Industries in Forest City. In Winneba...
by Cyclone
Wed Jun 14, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: Having someone else pay our mortgage
Replies: 13
Views: 3231

Re: Having someone else pay our mortgage

That plan would make this a loan on an investment property, and not your primary residence, so that is one difference right off the bat.
by Cyclone
Mon May 22, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my non-US citizen fiancée
Replies: 9
Views: 1823

Re: Help me help my non-US citizen fiancée

It's going to be extremely difficult, if not impossible, for someone to open a financial institution account without a Social Security number these days. "Midareff" had some good advice - I brought my wife here from the Philippines. For step one I would check into if it's even possible for your fian...
by Cyclone
Sun May 21, 2017 10:23 pm
Forum: Personal Consumer Issues
Topic: Chandler, AZ
Replies: 35
Views: 3918

Re: Chandler, AZ

Here is a free sweepstakes anyone can enter to win a $1 million+ home in Scottsdale. It's not Chandler, but it's free:

http://www.hgtv.com/design/hgtv-smart-home
by Cyclone
Sat May 06, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Southeast Asia for a week, in August first week
Replies: 24
Views: 1703

Re: Southeast Asia for a week, in August first week

You could also consider Cebu, Philippines. It is a city, but a small city. It is very easy to get to the countryside and beaches if that is what you want. Language isn't a problem either, since everyone will speak English to you (or at least try).
by Cyclone
Wed Apr 26, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1524

Re: How to find a good local mechanic?

I have had poor experiences with both AAA and Yelp-recommended mechanics, and am sticking with the dealer. At least they know the brand better. I don't know why a local mechanic also wouldn't have incentive to recommend unneeded repairs.
by Cyclone
Wed Apr 19, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 50644

Re: Larry Swedroe says "Goodby."

I don't blame him at all. I've basically been told on this forum that I'm stupid for having the dealer change the oil on my car. I try very hard to make my posts noncontroversial, but some people just love to argue.
by Cyclone
Wed Apr 19, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: Credit score and closing old cards
Replies: 9
Views: 1208

Re: Credit score and closing old cards

Be aware that if you don't use a credit card for awhile, they might cancel it. They may not even tell you it was canceled.
by Cyclone
Tue Apr 18, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 11064

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

I like a brand called Maverick that I have only seen on Amazon. I think I paid $13.
by Cyclone
Fri Apr 14, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Where to find business appropriate clothing [womens small sizes]
Replies: 8
Views: 1181

Re: Where to find business appropriate clothing [womens small sizes]

My wife is 4-9 and weighs 90 pounds, and has the same problem. Fredericks of Hollywood (believe it or not) used to have dresses that fit her that you could wear to work, but they don't sell dresses anymore. American Apparel clothing fits her, but they are almost out of business. The only other brand...
by Cyclone
Sun Apr 09, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: BH thoughts on car insurance
Replies: 32
Views: 3231

Re: BH thoughts on car insurance

If you live in California (taking a wild guess), you can use the California Department of Insurance website both to compare rates and to see complaint statistics.
by Cyclone
Sun Apr 09, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 6240

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I am not making a joke at all. I have had poor experiences with the friendly local independent mechanics. In my experience they don't know the brand nearly as well as the dealer. But to each his own. "Your mileage may vary", if I can use a pun here.
by Cyclone
Sat Apr 08, 2017 11:57 pm
Forum: Personal Consumer Issues
Topic: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?
Replies: 36
Views: 6240

Re: bought a maintenance plan w/car (vw golf alltrack) - good deal or not?

I bought a Toyota Corolla 18 months ago, and I just took it for the 18-month service yesterday. The first four services are free ("ToyotaCare"). Just to compare, yesterday for $329 I was offered to extend that for four more services (plus an additional two if I have it serviced where I bought it) an...
by Cyclone
Thu Mar 16, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: won a car - want to sell
Replies: 13
Views: 3578

Re: won a car - want to sell

Maybe the solution is to trade in the car you won, and your current car, on another car that you do want.
by Cyclone
Fri Mar 03, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance without PMI?
Replies: 29
Views: 3018

Re: Refinance without PMI?

You should simply talk with your current lender first, before refinancing. See what your options are. You might get lucky - they could just say they'll drop it with no problem (if there has been significant appreciation in your area). At least see what they have to say.
by Cyclone
Sat Feb 18, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Advantage Check Fraud
Replies: 4
Views: 1351

Re: Vanguard Advantage Check Fraud

I couldn't find anything on the Vanguard website, either. So it sounds like this isn't a bank account. What is it? If this isn't an account with a regulated bank, I'm guessing their account agreement will apply here (but as you said you can't find the agreement). That's why I use Charles Schwab. The...
by Cyclone
Mon Jan 09, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Teeth whitening
Replies: 38
Views: 4918

Re: Teeth whitening

My teeth are particularly yellow. I used the gel and tray sold by the dentist for awhile. I found that simply brushing with Sensodyne Extra Whitening gave me all the whitening that I need.