Search found 4581 matches

by madbrain
Thu Jan 18, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 10
Views: 943

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

The only thing is that the Citi Costco VISA rewards can only be redeemed at Costco, while Chase offers many more options. Yes, you have to take the rebate certificate to Costco. However, you do not need to spend the rebate there. Costco will give you cash for the rebate certificate. Although it has...
by madbrain
Thu Jan 18, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 105
Views: 5873

Re: Looking for a reasonably priced, safe international destination

I live in the DC area (DCA, IAD, BWI). Have two young kids, 6 and 3. Have up to a week off. I only speak English. The trip will be first week of May. Wants: Safe for the family Not too expensive Outside the US I was thinking Iceland. Any other destinations that fit this bill? Thanks! Cairo, Egypt -...
by madbrain
Thu Jan 18, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 32
Views: 1562

Re: Recommend an A.C. powered auto tire inflator

My Chevrolet Volt came with a DC-powered tire inflator . Plugs into the car's 12V outlet. Saved me recently when I hit a nail that resulted in a slow leak - tire losing 10psi per hour. I was able to refill it and drive to my next destination, then top it up again finally to go to a tire shop. If I d...
by madbrain
Thu Jan 18, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4011

Re: Anyone pondering moving to a cheaper place and downsizing?

I'm all ears about those other places. My body does have a hard time with cold climates, though, and if it ever gets below 30F during the day on a regular basis, I would probably have to cross it off my list. I think that limits me to places not too far inland or too far north. Santa Fe or Albuquer...
by madbrain
Thu Jan 18, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4011

Re: Anyone pondering moving to a cheaper place and downsizing?

Madbrain, With $3 million in net worth, there are lots of places you could retire in the U.S., including states that expanded Medicare. If you *want* to live in Thailand, great, but I don't think you have to. The $3M isn't currently liquid, though more than half would be if I sold my house to move....
by madbrain
Thu Jan 18, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 10
Views: 943

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

The only option for “free” international data is T-Mobile or GoogleFi. GoogleFi may not work for you if you don’t like their phones. It is also not the cheapest. They charge $20 for unlimited talk/text and $0.01/mb anywhere in the world (you might want to check to confirm Vietnam is included in any...
by madbrain
Thu Jan 18, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data
Replies: 10
Views: 943

Re: Costco Citi removing Foreign Transaction Fees; No Fee/Reimbursed Fee International ATM; ; Free International Data

A few issues regarding occasional overseas travel: 1) FYI: You can soon wave goodbye to the card’s 3% foreign transaction fee. Citi notes the change will be effective on purchases made after Jan. 25, 2018. https://www.nerdwallet.com/blog/credit-cards/citi-costco-anywhere-ending-foreign-transaction-...
by madbrain
Thu Jan 18, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 4011

Re: Anyone pondering moving to a cheaper place and downsizing?

Yes. Have about $3M net worth, the majority of it tied up in home equity and retirement accounts. We live in the bay area in a big place. Firecalc shows 0% chance of success at current burn rate vs investment accounts balance. No reverse mortgage possible at age 41. Debt to income ratio means home e...
by madbrain
Wed Jan 17, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2390
Views: 440882

Re: What's Your Credit Card Rewards Strategy?

It's not just any mobile pay, specifically it's Android Pay. I wouldn't say it's accepted at most places either. Actually, it isn’t specifically Android Pay, but others, including Apple Pay through the end of March 2018: https://creditcards.chase.com/freedommobile You're right. For whatever reason ...
by madbrain
Sun Jan 14, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Hundreds of countries ? I question this. There aren't hundreds of countries on the planet. There certainly are hundreds of countries on the planet, nearly 200, in fact. In fact, less than 200, making the plural incorrect. More than 100 mean "hundreds" is correct. I stand corrected. I'm not a native...
by madbrain
Sun Jan 14, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2409

Re: Is this solar panel bid reasonable?

But I get a kick out of responses like "Buy the components yourself and then hire an installer". Assuming you can find someone to install the system you will pay a lot more for the labor. As an installer my margins are dependent on parts and labor. I cannot forgo a complete sale just to lose margin...
by madbrain
Sun Jan 14, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

We still use Fidelity ... Recently, they have given us separate debit card numbers for our joint Fidelity cash account. Good to know. I Wish we could get two separate numbers for credit cards in one household. One for telecom and other auto-billings that are a pain to reset and another for Yeti mug...
by madbrain
Sun Jan 14, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Geologist wrote:
Sun Jan 14, 2018 2:58 pm
madbrain wrote:
Sat Jan 13, 2018 1:13 am


Hundreds of countries ? I question this. There aren't hundreds of countries on the planet.
There certainly are hundreds of countries on the planet, nearly 200, in fact.
In fact, less than 200, making the plural incorrect.
by madbrain
Sat Jan 13, 2018 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Similar happened to me. A particular card of mine was compromised and financial institute sent me new one. And new was got compromised while it was on the mail. Whoa! I would have thought this is impossible...unfrickingbelievable...good info! This is most likely due to a security compromise at the ...
by madbrain
Sat Jan 13, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Really curious why there is no PIN number required on all purchases yet. That would be ideal. PIN is fine for in-person transactions. As soon as you want to do phone or online transactions, the PIN model does not work, as you would not want to give the PIN to anyone. Most of the cards I use have go...
by madbrain
Sat Jan 13, 2018 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

This is all fine and good, but if you ever travel out of the country, an ATM-only card is not going to work, and you won't find your own bank's ATM machines there. So, you just won't be able to obtain cash. At least in Europe my ATM only card has worked just fine but it has been a few years since I...
by madbrain
Fri Jan 12, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2409

Re: Is this solar panel bid reasonable?

I just got a 6.5 kw system in Los Angeles. I paid less than $3/w before tax credits. I would get a few more quotes. Also, I'm amazed that your 10 kw system will only cover half of your usage. Either you must have a 10,000 sqft house, or you're growing medicinal herbs! :mrgreen: OP is much farther n...
by madbrain
Fri Jan 12, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Is this solar panel bid reasonable?
Replies: 47
Views: 2409

Re: Is this solar panel bid reasonable?

Both are way too high. For reference, if you buy just the parts, a 7 kW grid-tie system would cost $11,774 on the site below (I don't have any affiliation) : https://www.wholesalesolar.com/1891215/wholesale-solar/complete-systems/7.08-kw-grid-tied-solar-system-with-solaredge-and-24-solarworld-295-wa...
by madbrain
Fri Jan 12, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Always insist on a plain old ATM card, not one that has the Visa "feature." I too use only a plain ATM Card. I had to argue with the bank to send me one a few years ago after they upgraded me to a Visa ATM, without my consent, as part of a routine expire replacement. I also never use my ATM Card an...
by madbrain
Fri Jan 12, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card keeps getting hacked, even when unused! (4x now!)
Replies: 49
Views: 7806

Re: Credit card keeps getting hacked, even when unused! (4x now!)

Really curious why there is no PIN number required on all purchases yet. That would be ideal. PIN is fine for in-person transactions. As soon as you want to do phone or online transactions, the PIN model does not work, as you would not want to give the PIN to anyone. Most of the cards I use have go...
by madbrain
Fri Jan 12, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20659

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

The other thing this changes for me is whether to continue to do Mega backdoor Roth. I was able to add $47,727.50 to my 401k last year according to Quicken, between the pre-tax contributions, after-tax non-Roth contributions, and matching contributions. I already did in-plan conversion of those afte...
by madbrain
Fri Jan 12, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2858

Re: Best Sources to Buy Prescriptions Out of Pocket

Imo I like protonix the best when I make recommendations. Fewer drug interactions. Was on Protonix for a very long time. Then Kaiser took it off their formulary and replaced it with Prilosec. The drug interactions have been a major issue for treatment of my other conditions since. The good news is,...
by madbrain
Fri Jan 12, 2018 12:50 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20659

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

No longer having a mortgage would mean our credit scores would go down. We paid off the mortgage on our first house in 1991. We had a mortgage on our second house for about one year, while we waited for the first house to sell. We then paid off the mortgage on the second house. That was 10 years ag...
by madbrain
Thu Jan 11, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20659

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

I definitely have enough in taxable accounts to pay off the mortgage in full - 188% of the mortgage balance. But this is going to generate taxable gains, in turn incurring capital taxes - gains I was planning to realize only much later, in retirement, presumably in a lower federal tax bracket, poss...
by madbrain
Thu Jan 11, 2018 1:34 am
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 2858

Re: Best Sources to Buy Prescriptions Out of Pocket

I thought Congress had made it illegal to buy and bring prescription drugs from outside the country. Am I wrong?
by madbrain
Thu Jan 11, 2018 12:46 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20659

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

Adding to my last post - one possibility is paying down the mortgage, rather than paying it off in full, to avoid having to pay any capital gains taxes now. This would reduce, but not eliminate the amount of mortgage interest, and thus soften the tax blow. I would then need to rebalance my retiremen...
by madbrain
Thu Jan 11, 2018 12:21 am
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20659

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

1) compare to a taxable account This really depends on your interest rate. I am in the 25% federal tax bracket and 9.3% CA state bracket, ie. 34.3% marginal tax rate. My mortgage is at 3.375%. All of the interest is fully deductible, as long as I'm working - state income tax and property tax alone ...
by madbrain
Tue Jan 09, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Wow, I sympathize with what you're going through. Has the police report been amended? If it has been, and if you haven't received a response, the staff at ITRC may have some suggestions for you if you call. You shouldn't have to fight this kind of crime on your own. Police report hasn't been amende...
by madbrain
Tue Jan 09, 2018 5:27 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Agree that the scammer has info they shouldn't have. Not exactly sure where they got it from, but I would guess they acquired the rest of the information online, maybe with the Equifax leak, or some other leak. Not all the leaks are disclosed. With his name, address, and DL number from the driver's...
by madbrain
Mon Jan 08, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

...I rekeyed our 22 locks at home (glad I have smartkey locks!) since home keys were stolen too. OP, sorry you had to go through all this. It's an incredible pain when some low life does what was done to your husband. Been a gym goer for 30 years myself (every morning before work - while I was work...
by madbrain
Mon Jan 08, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

There are actually 4 credit bureaus (I dug through an old Bogle post on credit freezing): Experian, Equifax, Transunion, and Innovis. Plus Chexsystems to lock opening bank savings/checking accounts. Major pain, but seems like the new normal. https://krebsonsecurity.com/2017/09/the-equifax-breach-wh...
by madbrain
Mon Jan 08, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

A couple of random thoughts: 1. (This one is paranoid, but shorter, so I'll write it first) Do you think you may be missing any mail from your mailbox? Or that the thief (or the thief's network, as the case may be) may have managed to sign themselves up for that USPS "Informed Delivery" service whe...
by madbrain
Mon Jan 08, 2018 5:39 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

The 3rd one wouldn't allow the freeze to be placed online. It requires snail mail! Maddening. Chexsystems is next. Back after the Equifax hack, when a lot of people were attempting to freeze their credit reports, I seem to recall quite a few people who weren't able to place the freeze online, but w...
by madbrain
Sun Jan 07, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Looks like the thief managed to opened a new Lowe's account in my husband's name too with $8000 limit and spent $4481 . So we are now at almost $12K. There are other hard inquiries from Citi and Verizon too. This guy is working very fast an clearly a pro. I don't what the minimum is around here but...
by madbrain
Sun Jan 07, 2018 2:05 am
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

The local PD told me that the minimum amount for follow up for this type of fraud is $25,000 (in my city). The Officer referenced budget cuts, volume of crime, and staffing make it unrealistic to pursue for lessor amounts. The Officer was sympathetic but explained the harsh reality in today’s world...
by madbrain
Sat Jan 06, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

So he got a letter from Chase today in the mail. There is a copy of the fake check the thief cashed. It is from United Healthcare, which is not our health insurance company, and looks completely legit. The endorsement signature on the back does not look anything like his signature. The thief did not...
by madbrain
Thu Jan 04, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

I would suggest making sure to have a Credit Karma account before doing credit freeze. You might also look into a ChexSystems freeze as well (security freeze and security alert?). He already has a CK. Will check it out. He went to the bank. Spent 2 hours there. They said they will investigate withi...
by madbrain
Thu Jan 04, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Please correct me if I'm wrong, but I thought the police were civil servants, whose sworn duty it is to enforce the law. I don't recall any mention of ROI in their job description. There's nothing in their job description that says they have to visit the home of everybody who reports a crime, eithe...
by madbrain
Thu Jan 04, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 415
Views: 31885

Re: To take or not to take delivery of Tesla 3

We probably would already have a Bolt if it actually was available from any dealer nearby. The nearest is 140 miles away. The local Chevy dealers have zero interest in selling or servicing the vehicle. I have asked multiple times. Truck or Camarro is what they seem to thrive on. The local Nissan de...
by madbrain
Thu Jan 04, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: internet browsers and free software?
Replies: 17
Views: 1410

Re: internet browsers and free software?

Spent 10 years of my career contributing to open source security for one of the major browsers, among other apps. Security through obscurity is very bad. Closed source applications just don't have as much outside scrutiny and can be much more vulnerable, often unbeknownst to their makers.
by madbrain
Thu Jan 04, 2018 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 539

Re: Annual Maintenance Contract - Worth it?

My contractor charges $300 for one annual visit to tune the two furnaces, two ACs, and clean all the filters for whole house air filter. It's a very complex Carrier Infinity zoned system - 10 zones in total. Still 3 years left on the warranty. Several of the zoned thermostats have had to be replaced...
by madbrain
Thu Jan 04, 2018 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Reminder - if you're carrying credit card debt at low int. rates, you're using dangerous margin
Replies: 7
Views: 922

Re: Reminder - if you're carrying credit card debt at low int. rates, you're using dangerous margin

If you max out any of your cards, it dramatically reduces your odds of getting any new credit card or credit line increase. If you are going to use these 0% offers and plan to roll it over, you would want to use no more than 30% or 50% of the limit. Very few banks offer 0% balance transfer fees nowa...
by madbrain
Thu Jan 04, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 415
Views: 31885

Re: To take or not to take delivery of Tesla 3

Have you had a chance to test drive one yet? I have yet to see a live one in around Boston area. Unless I get to test drive it at the store, I am not taking delivery sight unseen. Same here. I still have my pre-order, but strongly leaning towards leasing a 2018 LEAF. That one I have not only seen, ...
by madbrain
Thu Jan 04, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: Intel might take a hit
Replies: 38
Views: 3908

Re: Intel might take a hit

Heard something in the air about Intel having a security flaw in most if not all of their chips. The fixed chip side effect is an apparent 30 percent reduction in performance. Anyone else years about this? Wow, if the hit is that bad, it'll end up being just as fast as the same gen AMD processor th...
by madbrain
Thu Jan 04, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Just FYI - in my area, thieves are watching the parking lots of gyms, yoga studios, etc. While the people are working out inside, they are stealing purses, etc from the vehicle. You just can't win ! Seems like these businesses need to have better security or lose membership. In this case, the gym w...
by madbrain
Thu Jan 04, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

hat's what the gym had told me indeed. Don't know yet about the bank . From the narrative, the bank had a responsibility of verifying identity before cashing the check. I would certainly think so. They clearly got duped ! Husband is not awake yet, maybe he needs a good kick in the butt too and get ...
by madbrain
Thu Jan 04, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Seems like IRS PIN is no longer an option : https://www.irs.gov/identity-theft-fraud-scams/frequently-asked-questions-about-the-identity-protection-personal-identification-number-ip-pin#q2 Q5: I’m a victim of identity theft. Can I get an IP PIN? A5: You'll get an IP PIN if you meet one of the follow...
by madbrain
Thu Jan 04, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

The bank will definitely have the perpetrator on their security camera, and likely on several, as he walked in, went to the teller, and then walked out. That would be where I would start. If the police don't respond, hire a private investigator. It'll be well worth it. No bank or gym is going to gi...
by madbrain
Thu Jan 04, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Sorry to hear about your troubles! I went through identity theft a few years ago. I didn't find law enforcement very helpful. My take-away was that identity theft is a crime that pays because no one has much interest in pursuing the thief. What did help was working with an identity theft resolution...
by madbrain
Thu Jan 04, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: ID theft and check cashing fraud
Replies: 87
Views: 4469

Re: ID theft and check cashing fraud

Just FYI - in my area, thieves are watching the parking lots of gyms, yoga studios, etc. While the people are working out inside, they are stealing purses, etc from the vehicle. You just can't win ! Seems like these businesses need to have better security or lose membership. In this case, the gym w...