Search found 150 matches

by Copper John
Thu Oct 04, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 33
Views: 2306

Re: Apple - macOS Mojave

Updated it the 1st day it was available and it loaded without issue. The next day I fired up my computer and it froze half way through the loading process. Called Apple support and they had me start up in safe-mode and I was able to boot up. I then turned it off and fired it up in the normal mode an...
by Copper John
Tue Aug 28, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 7166

Re: Unique Phone Apps that you find yourself using most often?

Google Voice Tiles - Allows me to track location on objects that I have attached a tile tracker (wallet, keys, etc) Hey Camera - Allows me to use voice commands to take a photo on an I-phone Gboard - Installs Gboard keyboard on my Iphone. Allows me to use glide/swype motions to type words instead o...
by Copper John
Mon Aug 27, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2623

Re: Streaming TV services

This article provides a side by side chart that lists the cable channel offerings of the major streaming services. The article is now a year old and is not totally accurate but it will give you a place to start in comparing the channel offerings. I have Playstation Vue and when I initially signed up...
by Copper John
Fri Jul 27, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Cell account hacked
Replies: 22
Views: 3781

Re: Cell account hacked

This discussion and the referenced articles was a real eye opener for me. Particularly chilling was the enlistment of insiders at phone cell providers to obtain customer data. I read the Motherboard article linked in this thread and I have followed their advice and have removed my cell number from a...
by Copper John
Fri Jun 29, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 4262

Re: Best way to clean eyeglasses?

The key to having a clear, non-streaked lens in all the above suggestions using water, and dish soap is to shake off most of the water from the glasses after you rinse them. Then "lightly dab" the water off with with a cloth as " banjo" states above. Do not rub the glasses with the cloth or tissue. ...
by Copper John
Sun Jun 17, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 5099

Re: African Safari: Worth it or Hype?

Are you a lover of wildlife? Are you excited and stop and enjoy the moment when you encounter eagles, deer, moose, elk, bears here in North America? If the answer is yes, you are in for an over the top wildlife experience in the top safari destinations in Africa. I went on what I thought was "once i...
by Copper John
Tue Jun 12, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner (FSBO) purchase - how much discount can I expect?
Replies: 22
Views: 1803

Re: For Sale By Owner (FSBO) purchase - how much discount can I expect?

I sold my condo in a FSBO deal to a buyer who was not represented by a realtor. The buyer's offer was in line with comps and the upgrades I had put into the unit. I split the 6% commission fee savings between us and took 3% off. I would not have offered any discount to a buyer with a realtor. I offe...
by Copper John
Wed May 30, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9809

Re: Router hack, have you acted?

My Netgear Router is on the list. I used the PC Magazine link provided by BHUser27 earlier in this thread to follow Netgear's advice to do the following 3 things: 1) Ensure my router has the latest firmware 2) Make sure the default of not allowing remote access is in place 3) Change the default sett...
by Copper John
Wed May 30, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Roadside assistance coverage?
Replies: 12
Views: 754

Re: Roadside assistance coverage?

Just used my AAA+ plan 3 days ago to tow my fairly new car 99 miles to my home town after breaking down in the mountains on I-70. Big attraction for me on this plan is they will cover you for you for 100 miles and if over this you pay per mile. I believe these credit card and insurance add-ons will ...
by Copper John
Tue May 29, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 32
Views: 2556

Re: 3 days in Boston with an 8 year old

Thank you all. We are staying near Andrew subway station, near Dorchester Ave and Dorchester St in zip code 02127. Okay thanks for clarifying that. Many of the mentioned spots such as the Aquarium, Whale Watch, North End, Freedom Trail will not be in walking distance from where you are staying. The...
by Copper John
Sun May 27, 2018 10:34 pm
Forum: Personal Consumer Issues
Topic: 3 days in Boston with an 8 year old
Replies: 32
Views: 2556

Re: 3 days in Boston with an 8 year old

You will be in a great location for walking to many sites and close to the subway. Walking, subway and Uber will have you covered for your transportation needs. I lived there for 20 years and rarely used my car in my daily life and for the most part only used my car to for excursions outside of the ...
by Copper John
Mon Feb 19, 2018 1:26 am
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 4051

Re: Is there a way to send text messages on my computer?

I use a program called mightytext. You can Google it. It works pretty well. They have a pay version if you want some of the fancy features, but for basic texting the free version is pretty good. +1 Not sure if you are able to load apps on your flip phone, but for those with smart phones this is a g...
by Copper John
Mon Dec 18, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 18
Views: 2823

Re: Favorite small Colorado towns near great fishing?

In the front range Lyons would provide you access to all the waters of RMNP without the mass of tourists in Estes Park. You would have the St.Vrain right there with easy access to Boulder Creek and South Boulder Creek 15-30 miles away. An hour and 1/2 drive would get you to the Poudre River near Ft...
by Copper John
Thu Nov 23, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 11123

Re: Regrets for taking SS at 62 or waiting?

Wow, so far no one has any regrets either way, how can this be :confused I'm waiting till 70 to take mine as I don't need the money right now. If I die first, and if I regret that, I'll be sure to come back here and post about it. Well given you have a sense of humor which can only prolong life rig...
by Copper John
Thu Nov 09, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Transitioning from ACA to medicare
Replies: 25
Views: 1538

Re: Transitioning from ACA to medicare

I am also making the transition from the Kaiser ACA to the Kaiser Medicare Advantage program. My thoughts: Transition of Deductibles & OOP Maximum - My Colorado Kaiser MA Medicare plan does not have an annual deductible and I would doubt yours will. As for transfer and application of OOP expenses I ...
by Copper John
Tue Nov 07, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: ACA MAGI planning
Replies: 57
Views: 6408

Re: ACA MAGI planning

The below article provides a through explanation of the income thresholds and the effect of going over the thresholds on your ACA premium subsidies and taxation. Note in Table 2 of the article it shows the maximum amount of advance tax credits that one will have to pay back if one exceeds the income...
by Copper John
Fri Oct 13, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 9622

Re: Which Streaming Service/Live TV?

I am not criticizing people’s choices...to each their own.However,I am 65,just retired and I can afford Directv and want to watch what I want,simply,including all of my sports.I also have Netflix and Amazon Prime.My monthly cost is the same as one nice dinner out. When you look at the cost of going...
by Copper John
Thu Oct 12, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Which Streaming Service/Live TV?
Replies: 53
Views: 9622

Re: Which Streaming Service/Live TV?

This article summarizes the streaming services by showing which devices work with each service, the channel availability for each service in a nice side by side table and the DVR capabilities of each service. Note the article does not rate the quality or reliability of the service nor does it point ...
by Copper John
Fri Oct 06, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 7119

Re: Anyone go 100% Ally or another online bank for all banking needs?

I can't go 100% online since Ally doesn't do international wire anymore. I have $1500 checking account (minimum balance) with bank of america just to wire money internationally. And, to get their $120/yr free money on better balance rewards credit card. I also like the fact that I have free notary ...
by Copper John
Fri Sep 29, 2017 11:42 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 10310

Re: What will happen if I refuse to pay a medical bill?

Have you ever heard the story from each party as to why one thinks it is in the network and the other does not? I would think it would not be in the physician group's interest to blatantly lie to you on purpose to obtain a few hundred dollars in charges. Were they ever in this network? Was the physi...
by Copper John
Fri Sep 29, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 10310

Re: What will happen if I refuse to pay a medical bill?

The posters stating you should have contacted your insurance company may have a valid point and no doubt you will be doing that in the future, but I am with you on this docbrown. Lets say a physician is dealing with say 10-15 insurance companies and lets say on average they all have 3-5 varieties. T...
by Copper John
Mon Sep 25, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Favorite small Colorado towns near great fishing?
Replies: 18
Views: 2823

Re: Favorite small Colorado towns near great fishing?

In the front range Lyons would provide you access to all the waters of RMNP without the mass of tourists in Estes Park. You would have the St.Vrain right there with easy access to Boulder Creek and South Boulder Creek 15-30 miles away. An hour and 1/2 drive would get you to the Poudre River near Ft....
by Copper John
Mon Sep 25, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 5434

Re: Thoughts on Barefoot/Minimalist Running

The move to minimalism is what made it possible for me to run. I'd tried for years always after being fitted for traditional high stack height/high drop shoes and would end up with severe knee pain after a few weeks or so. When I went minimalist I spent most of an entire year doing nothing but runn...
by Copper John
Sun Sep 24, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 5434

Re: Thoughts on Barefoot/Minimalist Running

I am a long distance runner that has been running for over 40 years. For about 32 of those years I averaged 40-80 mile weeks. I wore built up running shoes, ran with a heel strike stride, striking ahead of my core and with an almost straight leg strike. The injuries piled up over the years including...
by Copper John
Sun Sep 17, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 5211

Re: Buying nightguards (teeth grinding)

Bought one from the dentist. $300. Now I never wear it but should. Yes, it remains to be seen if a dentist made guard is comfortable enough to wear either. My dental hygienist strongly advised me not to give up after a couple nights. She said it might take a week or two to get used to wearing it at...
by Copper John
Sun Sep 17, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Buying nightguards (teeth grinding)
Replies: 52
Views: 5211

Re: Buying nightguards (teeth grinding)

After buying several generic mouth guards that were never comfortable enough to wear I bought a laboratory made guard online. I bought mine in 2015 from an online company named "Pro Teeth Guard" for $160. My dentist quoted me over $400 at the time. The process involved using the putty they provided ...
by Copper John
Tue Sep 12, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 5137

Re: Freezing Credit Report - Effect on Auto Insurance

Thanks for the feedback guys. I wonder if your insurance companies may still have been able to to do soft credit inquiries even with a credit report freeze because they were businesses that you had a relation with? I did just look at my Experian credit report and I see my insurer State Farm does app...
by Copper John
Mon Sep 11, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Freezing Credit Report - Effect on Auto Insurance
Replies: 11
Views: 5137

Freezing Credit Report - Effect on Auto Insurance

I recently froze my credit file at all the credit reporting agencies after the Equifax fiasco. I have since read several reports from people who froze their credit reports in the past and had their auto insurance premiums increase. It seems their premiums were partly based upon their credit scores a...
by Copper John
Sun Sep 10, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 4146

Re: New Mobile Phone number - Now hounded by Collection Agencies

On my Samsung S5 android phone I can go through the settings and enable the blocking mode and set it up so that only numbers on my contact list will ring and all others will go to voicemail. I think the ability to do this will vary on the Android operating system loaded and the manufacturer of the p...
by Copper John
Sun Sep 10, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 66
Views: 10813

Re: Consider freezing your credit

HIinvestor wrote:
Sun Sep 10, 2017 4:41 am
Equifax charged me and H. Maybe it varies by state.
Yes it varies by state. I just froze mine at all the credit agencies without any charges. The Equifax website provides listing of fees by state:

https://help.equifax.com/s/article/ka13 ... n-my-state
by Copper John
Wed Aug 30, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 2021

Re: Hulu w/ Live TV

I have Playstation Vue and pay $45 plus $50 per month for internet service from Xfinity. I previously had Xfinity for TV and in comparing interface and reliability I would give Xfinity the edge, but this edge was not sufficient enough for me to pay the price differential as my Xfinity internet & TV...
by Copper John
Wed Aug 30, 2017 1:50 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 2021

Re: Hulu w/ Live TV

Those of you who are big sports fans and have one of these packages how much is your combined internet and cable bill per month? I assume that if you are a big sports fan that you have one of the larger packages. Hulu TV seems to hit just about all of my needs. Also, is there any compromise in the ...
by Copper John
Tue Aug 29, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 2021

Re: Hulu w/ Live TV

Youtube TV - $35 Has all the local networks but is only available in limited number of cities Major spots networks NOT in this option - MLB Network, NFL Network, Golf Network, ESPN News, Big 10 Network, NBC Sports Network, Pac 12 Network, NBA TV I'm a YouTube TV subscriber. The Golf Network, Big 10...
by Copper John
Tue Aug 29, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Hulu w/ Live TV
Replies: 17
Views: 2021

Re: Hulu w/ Live TV

From purely a sports perspective Hulu, Sling and Playstation Vue all offer a large amount of sports coverage with Youtube TV lagging behind. A brief summary from looking at their web listings. Hulu - $40 Local networks (ABC, NBC, CBS, FOX) - Availability will vary by market Major Sports Networks NO...
by Copper John
Wed Aug 23, 2017 12:06 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 2310

Re: DirecTV vs. Dish vs. Cable

I personally have been with DirecTV for a long time and have been happy with them. I find the service to be good and they're always willing to work with me when I try to get discounts or lower the price. In fact, I just called them a couple of weeks ago b/c my rates had gone up after some old disco...
by Copper John
Tue Aug 22, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: Google vs Bing for headline news
Replies: 3
Views: 706

Re: Google vs Bing for headline news

Yes you can get many more news sources than that in Google News. In the top left corner there is an icon with 3 lines. This is the menu link. Clicking this should cause the item "manage sections" to appear in the left bottom corner. Click this and a variety of settings appear including "sources". Cl...
by Copper John
Thu Aug 17, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: Live TV internet streaming - 30 vs 60 fps
Replies: 10
Views: 4132

Re: Live TV internet streaming - 30 vs 60 fps

I have Playstation Vue with the Amazon Fire TV Box with a direct ethernet cable connection from my Fire TV unit to my router. I am watching sports about 75% of the time and I have not experienced any lag in the movements of the players while viewing the sporting events nor any lag in the guide loadi...
by Copper John
Sat Aug 12, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 130
Views: 18266

Re: Xfinity Mobile

This has the added advantage of increasing the potential opportunities for me to interact with Comcast customer service. :oops: Seriously, given how notorious Comcast is for billing mistakes with TV and internet equipment, I would keep meticulous records about phone purchases and payments. Also, ch...
by Copper John
Wed Aug 09, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: 2017’s Best & Worst States for Health Care
Replies: 15
Views: 2656

Re: 2017’s Best & Worst States for Health Care

Outcome measures attributed strictly to healthcare quality and access are very difficult to obtain at the micro level level let alone on a state level. Being able to obtain adequate risk adjustment data is extremely difficult and costly to obtain. For example , in this study the top 4 outcome states...
by Copper John
Wed Jul 19, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Medical Coverage Outside US
Replies: 45
Views: 4525

Re: Medical Coverage Outside US

You are NOT covered in Canada with only a few exceptions: https://www.medicare.gov/coverage/travel-need-health-care-outside-us.html Consider this scenario which happened to a friend of mine on Medicare. Fly Fishing out of the country and he fractured his ankle and it required rod placement. Incurred...
by Copper John
Mon Jun 26, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Television Provider Options 2017
Replies: 24
Views: 2120

Re: Television Provider Options 2017

Thanks for the Youtube update Frugal Investor. Interesting on the Fox regional sports networks. I think the ones I see on the $45 tier are different than the Fox Regional sports networks as they are only college sport networks. For Denver at $45 they show Fox College Sports Atlantic, Fox College Spo...
by Copper John
Mon Jun 26, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Television Provider Options 2017
Replies: 24
Views: 2120

Re: Television Provider Options 2017

- Fox Sports Go App - This would get you the Fox NFC games broadcast in your area. You would have to provide your TV provider password to be able to access the app. Playstation is listed as an acceptable TV provider for this app. Not sure about Sling or the new Direct TV streaming service. In many ...
by Copper John
Mon Jun 26, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Television Provider Options 2017
Replies: 24
Views: 2120

Re: Television Provider Options 2017

I have the Playstation Vue streaming $35 package. I access this from my TV through an Amazon Fire box. This is what you would get for your needs: BBC - Included ESPN - Included as well as ESPN2, EPSNU and ESPN news Packers - As previously posted to get all the Packers games you would have to get the...
by Copper John
Sun Jun 25, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: [Can I move data from Microsoft to Mac with new computer?]
Replies: 13
Views: 1227

Re: [Can I move data from Microsoft to Mac with new computer?]

I was tired of spending hours trying to get various programs and operating system functions to work with every Windows update and I made the move a couple of years ago. If I recall Apple offered a utility upon firing up the Mac to do this, but I did not use it. I simply copied all of my documents in...
by Copper John
Thu Jun 22, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 53
Views: 7688

Re: Google Fi? pros/cons? anyone using it?

Thanks for all the input. Its to the point where there are so many companies, so many plans so many 'deals' (with hidden fine print).....seems like it used to be much simpler to get a phone and a plan. And, "Buying" a phone for $400+ is absurd (to me) but is about where it leaves most of us every f...
by Copper John
Mon Jun 19, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 26
Views: 4653

Re: For Sale By Owner HOUSE- Advice Please

Different states require different things. For example some require an attorney for every closing. Become familiar with what your state requires. I did a FSBO without even listing my house a few years ago. There were generic forms on the internet for my state (contract, disclosures, etc.) I believe...
by Copper John
Sun Jun 18, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: State Farm to Geico
Replies: 13
Views: 2141

Re: State Farm to Geico

I have SF for my auto (2014 Forester XT), condo and $1M umbrella. Just went through this exercise with GEICO online to see how they compare. I matched my current coverages with GEICO. 12 month Coverage SF Auto $1,200 Condo $194 $1M Umbrella $119 Total $1,513 GEICO Auto $710 Condo $840* $1M Umbrella ...
by Copper John
Fri Jun 16, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 2180

Re: Who mixes android and iOS

Desktop - Long time PC user and recently switched to IMac. Love it and can not ever see going back to a Windows PC Phone - Have always had an android and not compelled to switch to Iphone. I have not any issues in integrating gmail, calendar, chrome bookmarks etc with my IMac. Big plus is I can use ...
by Copper John
Mon Jun 12, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4448

Re: Vue/Sling tv users--what do you miss?

You can get CBS (and any other local broadcast stations) for free just by hooking up an appropriate antenna to your TV. Highly dependent on location. In my neck of the woods, the only "local" station we can pull in is FOX and it is 80 miles away and with a large external antenna! Yes I am in the sa...
by Copper John
Sun Jun 11, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 4448

Re: Vue/Sling tv users--what do you miss?

I recently switched from the very slick X1 platform on Xfinity to Play Station VUE. For me the pluses fare outweigh the negatives and I would do it again in a heartbeat. But to answer your questions as to things I miss: 1) Local sports channel - I live in the Denver area and I do not get the local c...