Search found 209 matches

by wilshuer
Fri Jul 31, 2020 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can a (mortgage) lender do this? [prepayment question]
Replies: 10
Views: 1219

Re: Can a (mortgage) lender do this?

My mortgage is currently serviced by Mr Cooper. Refinancing right now so don't know where I end up. You are able to apply payment to principal, but they also have the 'partial-payment'. As other's noted, they just don't apply the payment until your partial payments total the monthly payment - i.e. i...
by wilshuer
Wed Jul 29, 2020 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 4622
Views: 317267

Re: Refinance Mega Thread

Thanks to many from this thread, after shopping around the past week or so and somewhat frustrated in seeing about all I could get from the various ones listed here was 3.0%/30y with ~$500-$1000 closing costs. And a no response from LenderFi with primary address. Took one last try at LenderFi with a...
by wilshuer
Tue Jul 21, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5077

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

Probably less focus on the type of car, more on keeping them busy. Tablets with ability to stream what they typically watch - one for each so no fighting, kids earphones that fit over ears, a power converter or something to ensure they keep charged while being used. Plenty of snacks you can hand the...
by wilshuer
Tue Apr 28, 2020 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7438

Re: How do you explain no COVID19 Stimulus Payment?

I can speak to this. I was talking with a buddy and while asking me if I'd gotten a check he showed me a partial screenshot of his bank account ledger that included the covid check deposit. Now he may have done this because we both are in many ways philosophically against the idea of helicopter mon...
by wilshuer
Mon Apr 13, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Hand Truck Tire Replacement
Replies: 19
Views: 793

Re: Hand Truck Tire Replacement

Hard to tell the size in the picture, but looks very similar to some I replaced on a garden cart. Same hub design.

The cheapest replacement I found was at Harbor Freight - entire tire already assembled. It was cheaper than a replacement tube, and a lot less hassle.
by wilshuer
Tue Dec 17, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: "Safer" places for Spanish immersion experience?
Replies: 84
Views: 7429

Re: "Safer" places for Spanish immersion experience?

I didn’t see it anywhere, surprised Puerto Rico wasn’t mentioned.
by wilshuer
Thu Dec 05, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Declining Customer Service AT&T
Replies: 24
Views: 1590

Re: Declining Customer Service AT&T

Actually have to compliment customer service from them lately - however it was through the online chat, I always use that option for most companies if available, not only do you get documentation of the chat, also seems to be less of a wait in general. My case was with being charged a $/m rate for i...
by wilshuer
Thu Dec 05, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 89064

Re: Found hidden safe, should we crack?

This thread has intrigued me from the start, waiting to see what’s inside.

Taking the picture and looking up the potential model, I noticed some of their floor safes that have the same looking door indicate a false floor. Perhaps a word of caution if you only stick a camera inside.
by wilshuer
Wed Nov 20, 2019 6:11 am
Forum: Personal Consumer Issues
Topic: USPS informed delivery for multiple addresses
Replies: 17
Views: 2986

Re: USPS informed delivery for multiple addresses

My experience with Informed Delivery was well worth it. I had letters that could clearly been seen to be checks from Healthcare Bluebook. Didn’t know I was going to get them as we seem to get them randomly based on our health benefits. The checks seemed to have disappeared, after not showing up for ...
by wilshuer
Sat Nov 09, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Was I ripped off at the car dealership?
Replies: 73
Views: 7179

Re: Was I ripped off at the car dealership?

Backseat forum auto repair experts, coupled with not being there, yields.... Far more to the point and humorous than I could have been... my favorite was listening to somebody here explaining why their 2+ Ton Suburban with 180k+ miles still had good shocks because the annual state safety inspection...
by wilshuer
Sat Nov 09, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Seller's agent not letting us use a buyer's agent
Replies: 122
Views: 11495

Re: Seller's agent not letting us use a buyer's agent

Procuring cause means that the agent who "performed the tasks that led you to buy would be the agent who ‘earned’ the commission,” Read more about Procuring cause here: www.realtor.com/advice/buy/if-i-first-saw-a-house-with-one-realtor-can-i-buy-it-with-another2.amp/ This is why I generally avoid g...
by wilshuer
Sat Nov 02, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 633
Views: 90815

Re: Flaunt Your High-Mileage Car

2008 Suburban just about to break 190k. Will be driving cross country for Thanksgiving so expect 200k by the end of the year.

No major maintenance done, mostly consumables - belts, brakes, filters, O2, oil sending unit...and all DIY.
by wilshuer
Mon Oct 28, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi Calling on AT&T
Replies: 17
Views: 1416

Re: Wi-Fi Calling on AT&T

I have to have it on for calls inside my house, I don't see any particular downside on leaving it on all the time - with one exception. When traveling abroad, which I do often for work, I use the international day pass. I don't know if they changed it recently, but if you make a call with wifi calli...
by wilshuer
Mon Oct 28, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Universal Orlando for 4 days
Replies: 27
Views: 1499

Re: Universal Orlando for 4 days

Being a holiday weekend, it is well worth it. You pretty much walk up to most of the rides. You also get extended access to the park - I think an hour or so early. Overall it made for a more relaxing holiday - rode most everything we wanted by early afternoon, some twice. To be honest by the evening...
by wilshuer
Mon Oct 28, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: Is drive up storage worth the cost?
Replies: 16
Views: 1637

Re: Is drive up storage worth the cost?

Given you said you're in Houston, you might consider flooding. With a drive up you'll be on the first floor, potential to get flooded. I'm in Houston area as well. With recent rain from Imelda, a storage place I had stuff in during a recent move earlier in the year was flooded - most of the first fl...
by wilshuer
Wed Oct 09, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 3680

Re: lastpass noob question

With lastpass, another level of security is to use a secondary device along with the master password, such as a yubikey. Then you can also set the country level security so it only works in the US. A few more added steps to minimize intrusion efforts.
by wilshuer
Sun Oct 06, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Flying in the US after losing ID
Replies: 18
Views: 2838

Re: Flying in the US after losing ID

I did this a few years ago in Denver, when leaving the rental lot and showed my license, put it into the car door pocket. When I went back to airport for departure, realized I had done that when pulling my wallet out at security. Not having time to get it from rental car, I told the story to the TSA...
by wilshuer
Wed Sep 04, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)
Replies: 38
Views: 4344

Re: Ability to Stream NFL Games (Sundays, Mondays, Thursdays)

Do you have family within the broadcast area? My solution was to purchase an AirTV, set up in my parent's house with a simple antenna. I can then watch through the Sling app on Roku at home in different state, or even on iphone or ipad while I'm traveling. Has worked well for 2 years, haven't had to...
by wilshuer
Mon Aug 26, 2019 5:24 am
Forum: Personal Consumer Issues
Topic: Started mulch project and now have huge piles of excess dirt!
Replies: 25
Views: 2408

Re: Started mulch project and now have huge piles of excess dirt!

You’d be surprised, someone may want the dirt too. I see it posted a lot around here. People are always looking for fill material. Coming from front of a house gives a much higher probability of it being clean too - another challenge with fill material, being sure it isn’t from a toxic dump.
by wilshuer
Thu Aug 15, 2019 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Need Creative Solutions for Billing Expenses to Renter
Replies: 27
Views: 2588

Re: Need Creative Solutions for Billing Expenses to Renter

I like this idea. Contract says $350 flat rate for all bills cable, internet, electric, gas, water, trash and lawn maintenance. And temperature year round must stay between 70-74 degrees. Also disclose house has a Nest which I can monitor temperature settings. This is by far the easiest, and doveta...
by wilshuer
Thu Aug 15, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: Moving to Houston
Replies: 39
Views: 4229

Re: Moving to Houston

Note sure of your budget, etc - which could significantly direct your choices. You may look into the Rice Village - University area - just south of US59/I69. The schools tend to be good around there, and not far from the Montrose area, where you may have a harder time finding a better school. I work...
by wilshuer
Thu Aug 15, 2019 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Need Creative Solutions for Billing Expenses to Renter
Replies: 27
Views: 2588

Re: Need Creative Solutions for Billing Expenses to Renter

Not sure of their accuracy or practicality, but there are various smart energy monitors which could be installed to monitor usage. A quick search is one called Sense - https://sense.com/ I would imagine there is a single line running over to the guest house, and a subpanel there. If that's the case,...
by wilshuer
Mon Aug 05, 2019 8:25 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 43
Views: 7117

Re: Anyone Tried Costco Travel Packages?

Last year we went on a cruise I purchased through Costco. The rate was the same as the lowest available on the cruise operators site, however there was a $200 Costco giftcard that sweetened the deal. The best part of the Costco experience was the shore excursion. Going to Cozumel, my wife and I want...
by wilshuer
Sat Aug 03, 2019 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 55
Views: 7932

Re: Has anyone taken out an online mortgage?

Yes, did recently for our purchase earlier this year. Was the easiest and most smooth process, all done electronically, including signatures all the way up to closing. Complete dialog through the process saved in a chat through their interface. Beats having to go into an office every few days to pro...
by wilshuer
Wed Jun 26, 2019 9:21 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 9996

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

I believe he's said many times it isn't necessarily the math, but the attitude for the reason he states that. Gain the momentum to see debt balances decrease and encourage to continue the payoff process.
by wilshuer
Wed Jun 05, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked
Replies: 28
Views: 1545

Re: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked

To retrofit is probably much more difficult for it to make sense. The hard-wired are all linked and one going off will set the others off - a good safety feature, and don't pull battery power unless there's an outage. You may need to check your local code to see if hard-wired are required, as you ma...
by wilshuer
Sun May 19, 2019 7:43 am
Forum: Personal Consumer Issues
Topic: Anyone have a GMC Acadia? Or similar?
Replies: 27
Views: 1889

Re: Anyone have a GMC Acadia? Or similar?

My parents have an Acadia, 2015 or 16 I think. My mom has always complained about a blind spot from the passenger side front, and led her to have a small accident in a parking lot. Last Summer while visiting them, they had me driving her car quite a bit, and I noticed the same blind spot from the pi...
by wilshuer
Sun May 12, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2533

Re: Using my Cell Phone in England

You could change your service to Google Fi here in the US and then just smile when you land in the UK and it connects automatically to a local cell provider. I'll be doing this in a few months... Which works for data and text, however voice is $0.20/min unless calling on WiFi per their website. Tha...
by wilshuer
Sun May 12, 2019 7:01 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2533

Re: Using my Cell Phone in England

belmontpaul wrote:
Sun May 12, 2019 6:54 am
I use Verizon
Looks like Verizon has an international day plan too at $10.
by wilshuer
Sun May 12, 2019 6:59 am
Forum: Personal Consumer Issues
Topic: Using my Cell Phone in England
Replies: 47
Views: 2533

Re: Using my Cell Phone in England

Depends on your carrier, and how long. If you’re only going for a week, and you want to have the convenience of still communicating through your current number, there maybe be a roaming deal through your carrier. AT&T has one that is $10/d and is very convenient. Granted could probably save a few do...
by wilshuer
Sun Apr 28, 2019 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5923

Re: Texas property tax protest

As someone who just applied for a job in TX, I have to ask about these outrageous property taxes. Do they go up every year? Is personal property taxes in Texas high as well? I live in Arkansas, where they tax you on everything, including income. It seems AR is death by a thousand cuts and TX is jus...
by wilshuer
Sun Apr 28, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Texas property tax protest
Replies: 55
Views: 5923

Re: Texas property tax protest

Yeah, feels like a racketeering scheme between the appraisal districts and the firms that fight on your behalf. I protested many years with different strategies - confirm footage is correct, and possible thing to make your house value lower in relation to others, etc. My footage was incorrect by abo...
by wilshuer
Mon Apr 15, 2019 6:51 am
Forum: Personal Finance (Not Investing)
Topic: how long to have mailed check cashed by IRS?
Replies: 13
Views: 1377

Re: how long to have mailed check cashed by IRS?

Average experience has been 3-5 days, for awhile now I've e-filed and then mailed in the voucher with check on the 15th. Rather than the hoping they get it, this year I just decided to pay through the IRS direct pay site and scheduled for today. Saved a trip to the PO and few dollars for tracking, e...
by wilshuer
Tue Apr 09, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Infertility treatments/insurance/job situation
Replies: 44
Views: 3852

Re: Infertility treatments/insurance/job situation

Probably first thing, hug your wife and let her know it'll be okay - any support you can give her will go a long way. We went through the same about 15 years ago. At the time we knew we had to immediately go to IVF. I can imagine the scatterbrain feeling - my first thought was around what exactly IV...
by wilshuer
Thu Apr 04, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Universal Orlando Trip In June 2019
Replies: 34
Views: 2441

Re: Universal Orlando Trip In June 2019

We went last year, in my opinion 5 days is way too much. Pretty much finished the park in the early afternoon, which was nice as it made for a relaxing evening. Made every ride, and our favorites 2-3 times. We stayed onsite at Royal Pacific only one night, you can get your express pass in the morni...
by wilshuer
Thu Apr 04, 2019 4:59 am
Forum: Personal Consumer Issues
Topic: Universal Orlando Trip In June 2019
Replies: 34
Views: 2441

Re: Universal Orlando Trip In June 2019

We went last year, in my opinion 5 days is way too much. Pretty much finished the park in the early afternoon, which was nice as it made for a relaxing evening. Made every ride, and our favorites 2-3 times. We stayed onsite at Royal Pacific only one night, you can get your express pass in the mornin...
by wilshuer
Tue Mar 26, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 9240

Re: What is the best gas credit cards hands down?

My PenFed Visa Platinum Cash Rewards card pays 5% back on gas purchases. And I just discovered , it now pays 3% back on grocery store purchases. No annual fee. I have the same card. No information on the Pen Fed site about the other rewards the card earns. How did you know about the 3% back on groc...
by wilshuer
Tue Mar 26, 2019 5:20 am
Forum: Personal Finance (Not Investing)
Topic: What is the best gas credit cards hands down?
Replies: 65
Views: 9240

Re: What is the best gas credit cards hands down?

My PenFed Visa Platinum Cash Rewards card pays 5% back on gas purchases. And I just discovered , it now pays 3% back on grocery store purchases. No annual fee. I have the same card. No information on the Pen Fed site about the other rewards the card earns. How did you know about the 3% back on groc...
by wilshuer
Tue Feb 26, 2019 11:28 am
Forum: Personal Consumer Issues
Topic: DIY Auto repairs
Replies: 46
Views: 2950

Re: DIY Auto repairs

YouTube is great for DIY auto repair, most of the videos I've used tell exactly what sockets you'll need, how to access the part, etc. Growing up with a father being a mechanic, spent a lot of my childhood tearing apart cars/engines, so fairly experienced on working on cars. But, I still go to YouTu...
by wilshuer
Fri Feb 15, 2019 6:00 am
Forum: Personal Consumer Issues
Topic: Serpentine Belt Squeal
Replies: 15
Views: 1866

Re: Serpentine Belt Squeal

The belt tensioner could be a little worn and needs to be replaced. Depending on your mechanical ability, it’s simple to replace and costs probably $25 or so.

You can also get a can of belt dressing from a parts store. It’s a stickum type spray that will stop it.
by wilshuer
Mon Feb 11, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Any meal preppers? I need new dishes. [containers]
Replies: 22
Views: 2244

Re: Any meal preppers? I need new dishes.

Another vote for the glass type with snapping lids on all sides. I picked up a set from Amazon that have 3 compartments, as well some that are a single compartment. They have worked quite well, soup, sauce etc - nothing has leaking. I typically put them in my bag with my laptop while walking into th...
by wilshuer
Sun Feb 10, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 110
Views: 238301

Re: Experience selling car to Carmax?

An old thread from the past, some of my experience. I used carmax, another wholesale dealer, and an online service to get offers. Between the three used them against each other and got around $1800 more. Wasn’t expecting a lot for 150k mile plus car, so worked well. If they cover your area, give me ...
by wilshuer
Sat Feb 09, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Stolen Credit Card Number
Replies: 19
Views: 1877

Re: Stolen Credit Card Number

Just for future reference -- You should really give out only the virtual numbers, not the real credit card numbers, for auto billing. This way even if the virtual numbers are compromised, you can set them up with a new virtual number; and vice-versa, if the physical card gets compromised, the auto ...
by wilshuer
Fri Jan 25, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP limitation - purchase price or market price?
Replies: 4
Views: 381

Re: ESPP limitation - purchase price or market price?

Here's what my company gives within the FAQ...from my understanding is calculated as below. We get a notice email that the max number shares that can be bought for a period is Y, which is the $25k divided by market price on period open. The IRS limits your ESPP purchases to a maximum market value of...
by wilshuer
Mon Jan 07, 2019 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Costco Ameriprise Car Insurance
Replies: 12
Views: 1893

Re: Costco Ameriprise Car Insurance

Just changed to them last year due to price, shopped around and they were the lowest for home/auto. No experience on claims, hopefully won’t need to. Overall experience getting started was quite smooth.
by wilshuer
Fri Dec 21, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: What to do with strange USPS Priority Mail
Replies: 14
Views: 2154

Re: What to do with strange USPS Priority Mail

Could be part of a scam where someone ordered something, and an empty envelope was shipped to your address for USPS tracking number, your address was used randomly. Have had it happen to me from something I’ve ordered. Common with ebay and Amazon third party sellers, a quick search should show you d...
by wilshuer
Tue Dec 04, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: declining employer benefits?
Replies: 36
Views: 4278

Re: declining employer benefits?

In the past my wife worked as an RN as PRN at various hospitals, first question she’d always ask after getting a offer was if the hourly rate was higher if she’d forgo benefits being available - she’d typically end up with an additional $4-5/hr. At the time my employer didn’t have a surcharge for sp...
by wilshuer
Fri Nov 16, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Home sale etiquette: wall repair
Replies: 53
Views: 5065

Re: Home sale etiquette: wall repair

Unless there is anything major that wouldn't have been seen by the buyer and requested to be fixed - i.e., holes from a large anchor, something hidden from a picture I personally wouldn't fix it - likely the buyer is planning on painting anyway to personalize to their desire. At most I have in the p...
by wilshuer
Wed Nov 14, 2018 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have a bad experience with HDHP?
Replies: 43
Views: 4344

Re: Anyone have a bad experience with HDHP?

In my case the HDHP and OAP are the exact same network and same out of network benefits. It was purely a financial decision. Due to chronic issues for my wife, the first two years elected to stay on the OAP, much higher rates but deductible was good. We typically used up the whole FSA without an iss...
by wilshuer
Wed Nov 07, 2018 9:24 am
Forum: Personal Investments
Topic: HSA Question(s)
Replies: 6
Views: 709

Re: HSA Question(s)

If I'm reading your question correctly, you are debating whether to forgo coverage for your wife at her new employer and instead put her onto your HDHP plan. You might be sure your employer doesn't have a spouse surcharge for forgoing coverage at her job. I've somewhat gone through the same process,...