Search found 91 matches

by bbqguru
Mon Jan 06, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: WWYD- repair or replace washer and dryer?
Replies: 26
Views: 1245

Re: WWYD- repair or replace washer and dryer?

I'd replace. Just ran into a similar issue with our 10 year old Samsung front loader. Purchased a Maytag "Commercial" top load washer. 5 year warranty and simple old-fashioned controls. It uses more water, but was fairly energy efficient if you believe the yellow energy tag. We looked at Speed Queen...
by bbqguru
Fri Dec 20, 2019 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Amica - Auto Policy, only 6 months
Replies: 57
Views: 4182

Re: Amica - Auto Policy, only 6 months

We currently are insured with Auto-Owners. They offer annual auto and home policies and offer a substantial discount for paying annually.
by bbqguru
Thu Dec 19, 2019 8:12 pm
Forum: Personal Consumer Issues
Topic: Working on a room heater Pilot light will not stay on flame very weak when holding down Pilot light button.Need help
Replies: 18
Views: 1029

Re: Working on a room heater Pilot light will not stay on flame very weak when holding down Pilot light button.Need help

Thermocouple won't get too hot. The flame should touch the side and some pilots wrap around the thermocouple a bit as well. As long as it is staying lit, then I wouldn't worry about it.
by bbqguru
Wed Dec 18, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Working on a room heater Pilot light will not stay on flame very weak when holding down Pilot light button.Need help
Replies: 18
Views: 1029

Re: Working on a room heater Pilot light will not stay on flame very weak when holding down Pilot light button.Need help

You can buy a generic pilot assembly-- you will be hard pressed to find a Martin, they're out of business. What is most likely the problem, since you've replaced the thermocouple, is that the pilot orifice is dirty or plugged. 1.Remove the pilot assembly by taking the thermocouple out of the pilot a...
by bbqguru
Mon Oct 07, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Company insurance "agent" earning 5% commission
Replies: 9
Views: 1447

Re: Company insurance "agent" earning 5% commission

It may be a fair rate for the group size. For our group, our agent is paid a per covered person fee. I don't remember the exact amount, but it includes family members, not just the employee. It's included in our rate. P&C agents will make 8-15%, so 5% doesn't seem unreasonable. Especially if they do...
by bbqguru
Mon Sep 23, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: How to get a repair estimate for unrepairable items? (Extended warranty claim)
Replies: 21
Views: 1602

Re: How to get a repair estimate for unrepairable items? (Extended warranty claim)

When I filed a claim for a laptop I had, they reimbursed me the price of the estimate along with the original purchase price. I'd start with a statement saying that there is not a local repair shop that is willing to look at the item. If that doesn't work, they'll let you know and you can ask them w...
by bbqguru
Fri Sep 20, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Underground propane tank for fuel for generator for power to house
Replies: 27
Views: 1508

Re: Underground propane tank for fuel for generator for power to house

The tank will be extremely safe. Should provide years of maintenance free hassle-- and the gas won't go bad either. Like previous posts, make sure you have a bill of sale or some proof of ownership from the current owners. Many people think they own their tank, but most companies do not sell them as...
by bbqguru
Mon Sep 16, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Mustang...GT or Ecoboost?
Replies: 42
Views: 2559

Re: Mustang...GT or Ecoboost?

We;ve got a 15 GT Premium with an auto trans. It is just as much fun to drive today as it was when we drove it home. We were looking at the ecoboost, but after driving both, there's something to be said about seeing the 5.0 badge on the car. You may never use all of the ponies , but it's fun to know...
by bbqguru
Tue Sep 03, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Diminshed value claim
Replies: 12
Views: 1136

Re: Diminshed value claim

Ran into a similar issue earlier this summer when my wife and I got hit. We have a 18 Lincoln Navigator with around 20,000 miles, and asked GEICO for diminished value. Bought the car off-lease from a dealer for $76k. Total damage was around $9000. Our adjuster went online and found some blue book n...
by bbqguru
Tue Sep 03, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Diminshed value claim
Replies: 12
Views: 1136

Re: Diminshed value claim

Ran into a similar issue earlier this summer when my wife and I got hit. We have a 18 Lincoln Navigator with around 20,000 miles, and asked GEICO for diminished value. Bought the car off-lease from a dealer for $76k. Total damage was around $9000. Our adjuster went online and found some blue book nu...
by bbqguru
Mon Sep 02, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: ISP rural area what are my options?
Replies: 23
Views: 2172

Re: ISP rural area what are my options?

Going to see if single point wireless will work here. Have a tech to see if we have line of sight with the tower. Was wondering how weather affects the signal? We do get a good bit of snow in the winters up here. We had CenturyLink ASDL 15Mbps for about 5 years. The past year or so, we experienced ...
by bbqguru
Sun Sep 01, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Financing Company Car (one person corporation)
Replies: 7
Views: 650

Re: Financing Company Car (one person corporation)

Some of the major banks will do vehicle loans to corporations at similar rates to personal loans. Just takes longer to look and you usually have to speak with someone in person. We've also done the "loan the business" funds to buy the car as well. Our CPA made us write a generic promissory note, pla...
by bbqguru
Thu Aug 22, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - replacement cost
Replies: 24
Views: 1457

Re: Homeowner's insurance - replacement cost

It's a small price to pay for peace of mind if you have a major claim. I have a good friend who lost their house to a tornado. They had ACV on their home and contents. Lets just say their new house a fraction of their current house and they had about a year and a half of hardship trying to replace t...
by bbqguru
Mon Jul 15, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to maneuver insurance claim between adjuster's estimate and contractor's quote
Replies: 6
Views: 690

Re: How to maneuver insurance claim between adjuster's estimate and contractor's quote

When we went through a similar issue, the adjuster provided an initial estimate and check for the amount including depreciation of the damaged items. When I had an actual repair estimate, I sent it to the adjuster for their records. They told me to make the repair and when it was done and they had p...
by bbqguru
Fri Jul 05, 2019 1:23 pm
Forum: Personal Consumer Issues
Topic: AC Noise and proposed repair
Replies: 9
Views: 1149

Re: AC Noise and proposed repair

I second the suggestion of calling Bryant's customer service department. The worst they will do is tell you what you already know. Since your unit isn't very old, the blower wheel should come off without any major issues. However, it's a catch-22- you've got to remove the blower motor to replace the...
by bbqguru
Mon Jun 24, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - Uninsured/Underinsured motorist coverage
Replies: 11
Views: 1301

Re: Umbrella insurance - Uninsured/Underinsured motorist coverage

I am a little confused. I thought umbrella was meant to protect you if someone sued you (i.e. the money goes to the other party) But from this discussion, some umbrella policies also provide (for extra cost) additional Uninsured/underinsured motorist coverage for you if someone hits you ? Correct, ...
by bbqguru
Mon Jun 24, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - Uninsured/Underinsured motorist coverage
Replies: 11
Views: 1301

Re: Umbrella insurance - Uninsured/Underinsured motorist coverage

We have it, and like the other poster, it adds a considerable amount to the annual premium. When I asked my agent about it, he said it was because the umbrella covered things above and beyond the base policies and that you could file against it for potential future lost wages, long-term medical care...
by bbqguru
Thu May 30, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2425

Re: Extended auto warranty - who to buy from, if you want to

but we're lucky enough to be in a position that a couple of grand won't make a big difference in our life journey... Then why not just forgo the warranty and pay out of pocket if you happen to need a repair? Insurance is generally thought of as coverage for losses you can't afford on your own. So w...
by bbqguru
Wed May 29, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2425

Re: Extended auto warranty - who to buy from, if you want to

We too have an 18 Navigator. Bought the PremiumCare warranty from Zeigler Ford, price couldn't be beat anywhere else. I did search online for a promo code that took some additional off. I think we paid around $1800ish. The biggest benefit of the Ford plan was it extended the rental car coverage for ...
by bbqguru
Wed May 29, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2728

Re: Weber vs Broil King Grills

I own a grill shop and sell Weber, along with a few other major brands. We used to carry Broil King/Sterling (same company) and they were good grills (20+ years ago). We moved away from them when parts were hard to locate. They've gotten much better, but I don't know how their quality has held up. ...
by bbqguru
Thu May 23, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2728

Re: Weber vs Broil King Grills

I own a grill shop and sell Weber, along with a few other major brands. We used to carry Broil King/Sterling (same company) and they were good grills (20+ years ago). We moved away from them when parts were hard to locate. They've gotten much better, but I don't know how their quality has held up. W...
by bbqguru
Mon Jan 14, 2019 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: HO-6 Condo insurance - Coverage D "Loss of Use"
Replies: 6
Views: 595

Re: HO-6 Condo insurance - Coverage D "Loss of Use"

I'd double check the language, but for most insurance companies, the loss of use is to cover the additional living expenses you incur until you can move back in. If there is no dollar limit assigned to the policy with 12 months, they they cover your expenses up to a year. The policy with the dollar ...
by bbqguru
Tue Dec 04, 2018 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10784

Re: How did YOU choose your career?

Like many, where I am today is 180 degrees from where I wanted to be when I was younger. While in college I was getting a degree and flight training to become an airline pilot. I got tired of the constant one-upmanship stories and the federal government and I had a disagreement on whether I could se...
by bbqguru
Tue Oct 23, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 3210

Re: Pet Insurance company recommendation

We have a German Shepherd and went with Embrace with a high deductible for around $30/month. At the time, they were one of the only companies to not exclude the opposite cranial cruciate ligament if there was and injury/surgery on the other. I don't remember which other company we were looking at, b...
by bbqguru
Sat Sep 29, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: PV Solar (Sunpower vs. Panasonic HIT) & To Roof or Not to Re-roof
Replies: 12
Views: 1813

Re: PV Solar (Sunpower vs. Panasonic HIT) & To Roof or Not to Re-roof

I vote for the metal roof. You may want to see if your home insurance is impacted by getting rid of the metal, many companies give a discount for metal vs asphalt. We have a metal roof on our home and receive a sizable discount (20-25%) off of our entire premium due to the metal roof being rated aga...
by bbqguru
Fri Jun 29, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Online backup service for a few TB's of data and a 2nd computer with a small amount of data
Replies: 50
Views: 2896

Re: Online backup service for a few TB's of data and a 2nd computer with a small amount of data

We currently use Cloudberry at my office and at home. Buy the software for a one-time fee and that's it. It provides a graphical user interface that you can pair with a hosting company of your choice- Amazon AWS, Azure, etc... We use Amazon S3. It automatically makes real-time backups throughout the...
by bbqguru
Mon Jun 25, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Small loan by the way of 0% APR credit card
Replies: 20
Views: 1537

Re: Small loan by the way of 0% APR credit card

I'd look at getting a new credit card that has a 0% intro APR. Most of the time they are for purchases and/or balance transfers. Some of the major banks are offering up to 18 months. If you get one that has a balance transfer, there are usually checks with your card or the option to deposit the cash...
by bbqguru
Sat Mar 31, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 17085

Re: Tired of gas grills rusting out...

Do they still make grills that are made of cast aluminum? I had one at my old house that was still going after 40 years. My "new" one is 11 years old. We never used a cover on either of these, despite our harsh winter weather. The burners and grids may need to be replaced periodically. I solved the...
by bbqguru
Sun Mar 04, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Blinds- where did you get yours?
Replies: 15
Views: 3172

Re: Blinds- where did you get yours?

We ran into the same issue when we purchased blinds for our new home. We've got a fairly large window in the living room and the blind stores/big boxes wanted around $1200 for that blind alone. The other windows were in the 3-400 range. We did selectblinds.com Followed their instructions for measuri...
by bbqguru
Sun Jun 11, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 2599

Re: Home heating oil capped price plan

I sell propane and like others have said, we purchase contracts (some physical gallons and others on paper) for future winters. We then add the overhead costs (pipeline and transportation) and profit and sell to our customers for X amount. If our customers want to lock-in their price or have a level...
by bbqguru
Wed Apr 12, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 19375

Re: Ordering a Weber grill this week

Does anyone else get the flaky build up on the underside of the lid? I don't know what that's from or what it is so I worry about it falling into my food. I scrape it with a plastic putty knife and then it gets all over the grates. It's grease buildup. If you look at a new Weber the inside of the l...
by bbqguru
Mon Apr 10, 2017 10:59 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 19375

Re: Ordering a Weber grill this week

Burn everything off *after* each use? Maybe it's as easy as it sounds...but could you elaborate? I usually heat the grill up hot and scrape and everything before each use...is that not the right way to do it? Will the grates get damaged leaving them dirty between each use? The cover I ordered is th...
by bbqguru
Mon Apr 10, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 19375

Re: Ordering a Weber grill this week

Great info! Thanks! With a name like "bbqguru" I'd expect nothing less! I bought an E-330 today. What do you have to say about grill covers, in general and the one Weber makes for their Genesis grills? I ordered one with my purchase but all the talk here has me looking further into whether using it...
by bbqguru
Mon Apr 10, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 19375

Re: Ordering a Weber grill this week

I have a retail store that sells BBQ grills. The main everyday brand I carry is Weber. If you can find a 330 I'd go for it in a heartbeat. I cannot stress this enough. Even better is if you can find the Premium version (EP-3XX). The premium version has stainless burner covers and cooking grates. The...
by bbqguru
Sun Apr 09, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Cleaners
Replies: 28
Views: 3576

Re: Cordless Vacuum Cleaners

We purchased a refurbished Dyson V6 from Amazon and it works great. It was significantly less money than a new one. The refurbished model came with a shorter warranty. Only issue I had was the battery failed, but Dyson promptly sent a replacement. Our home is 80/20 wood and tile flooring, with a cou...
by bbqguru
Sun Apr 09, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: Extended CAR Warranty
Replies: 32
Views: 3378

Re: Extended CAR Warranty

I agree with the others, if it isn't backed by the manufacturer don't bother buying. Also, do your homework and shop online. Looking for promo codes for specific dealer sites that sell the warranty are your friend as well. For as long as my wife can remember she's always wanted a Mustang. For our an...
by bbqguru
Tue Mar 21, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Wife going back to school. What financial steps should I take?
Replies: 23
Views: 1928

Re: Wife going back to school. What financial steps should I take?

Congratulations and best of luck in the new adventure. A not so similar story, but enough that I can relate. Like yourself and others, my wife and I are unable to have children and she was feeling constrained in her career. She had always talked about becoming a nurse, but nothing ever came of the d...
by bbqguru
Thu Mar 02, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 13483

Re: Replace gas water heater with electric?

I have been told by a local handyman (experienced, but not a licensed plumber) that natural vent water heaters may no longer be sold. Does anybody have actual knowledge about this? Perhaps it varies by locality, the plumbers union in this area has a lot of influence. Ralph Ralph, we sell around 3-4...
by bbqguru
Thu Mar 02, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Replace gas water heater with electric?
Replies: 40
Views: 13483

Re: Replace gas water heater with electric?

How tall is your chimney? If you're wanting to get away from using the chimney as the actual vent, there are some tankless models that you can use your chimney as a chase. They vent with flexible pipe and you just drop it down from the top and hook to the water heater. If size of your chimney is an ...
by bbqguru
Fri Feb 24, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 59
Views: 13382

Re: $200 Emergency Visit Copay Waiver?

Agree with everything that has been said about what we as patients think of admission not really being admission. Like OP, we have a copay + co-insurance ER setup, which is waived and we do flat co-insurance (lower rate than ER) if admitted. My wife went to the ER and ended up spending 4 days in the...
by bbqguru
Sat Jan 14, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Best Ways to Buy Time
Replies: 68
Views: 9465

Re: Best Ways to Buy Time

We have our laundry done. I drop it off at the local cleaners and they wash, dry, and fold/hang up. I pick it up the next day and take it home. We didn't think laundry took very much time out of our day until we stopped doing it. The only thing we do are towels and socks/underwear. We have enough of...
by bbqguru
Tue Jan 03, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Ugh! Scratched my brand new stainless steel stove
Replies: 19
Views: 6076

Re: Ugh! Scratched my brand new stainless steel stove

If you paid with your credit card, it might be worth digging out your benefits guide or a phone call to customer service. Many major cards have purchase protection built in. If you accidentally damage a new purchase, they will pay to fix or replace the item. For example, my Chase card language is be...
by bbqguru
Tue Oct 11, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Furnace issue
Replies: 15
Views: 1968

Re: Furnace issue

Take the doors off your furnace and hold the door switch with your finger. If the furnace starts up and lights the burners and immediately goes out, it is most likely a dirty flame sensor. If your burners never ignite, it will probably be the inducer motor pressure switch. Flame sensor will be a met...
by bbqguru
Sun Oct 02, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 9508

Re: Simplisafe Home Security System

We've had it for almost 3 years. One of the few things that our homeowner's insurance discount for having it is greater than the annual fee. If you pay annually, you get a month free. We also purchased a refurbished unit for a decent savings amount and filled in the components that we wanted. A quic...
by bbqguru
Thu Sep 29, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Premium Sharing
Replies: 5
Views: 662

Re: Health Insurance Premium Sharing

We have 20 employees and currently cover 100% of the cost for employees, spouses, and their family. Our plan is on an ACA waiver for another year and then we are looking at rates that will double. One option we've been proposed with is a partial self-insurance plan. Supposedly the rates are similar,...
by bbqguru
Wed Sep 21, 2016 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance: Am I missing anything w/this exclusion?
Replies: 5
Views: 941

Re: Disability Insurance: Am I missing anything w/this exclusion?

I had a similar situation when I received my policy. I had a previous diagnosis of nerve damage in a foot. Principal was going to exclude any injuries relating to my feet. My agent appealed to the underwriter and after a quick visit to my family doc and a statement that I had recovered and had no co...
by bbqguru
Tue Sep 13, 2016 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I refinance with original lender @ 2.625%?
Replies: 12
Views: 2051

Re: Should I refinance with original lender @ 2.625%?

I would. We just, last month, did a 20 year at 3.25 with escrow waivers with our only costs being the "third-party" title insurance etc... Our total out of pocket was less than $500 bucks-- we did have an appraisal waiver, otherwise the appraisal was another few hundred. Went though uswidefinancial....
by bbqguru
Wed Aug 03, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 29 years old too young to buy Long Term Care Insurance?
Replies: 28
Views: 3949

Re: 29 years old too young to buy Long Term Care Insurance?

Another data point for comparison. As I've mentioned previously, I purchased my LTC policy when I was 25, I'm now 31. My wife had a bad experience when she was younger taking care of family and she made it a non-negotiable purchase. For both of us-- New York Life $150/day initial benefit 5% inflatio...
by bbqguru
Thu Jul 21, 2016 7:57 pm
Forum: Personal Consumer Issues
Topic: Hyatt 2 free nights credit card
Replies: 40
Views: 7176

Re: Hyatt 2 free nights credit card

My wife and I both applied for the card when we traveled to Europe. Spent 4 nights at the Park Hyatt Vendome in Paris. The hotel did not have availability in the "free night" category rooms. However, I emailed the hotel and asked if we could pay the difference between the free room and the rooms tha...
by bbqguru
Thu Jul 07, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Rates
Replies: 20
Views: 2929

Re: Refinance Rates

Going from 30 year @ 3.75% (29 years remaining) to a 20 year @ 3.25% with waived escrows. Closing costs of around $600.

We went through uswidefinancial.com They did our last and were easy to work with.