Search found 148 matches

by wilshuer
Tue Sep 18, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America credit card “feature” (be careful with autopay)
Replies: 45
Views: 2536

Re: Bank of America credit card “feature” (be careful with autopay)

If it makes you feel better, I paid my Penfed balance a year or so ago, and somehow put $11,495 instead of $1,495 through the app and saw it as soon as I hit confirm. That was a headache to work out. Paying through their website has a limitation of $5000 per payment, but their app didn't at the time...
by wilshuer
Sat Sep 15, 2018 8:46 am
Forum: Personal Consumer Issues
Topic: iphone xs--buy it sim free vs. on a network
Replies: 12
Views: 1235

Re: iphone xs--buy it sim free vs. on a network

Haven’t seen the specs for the latest, but if similar to the X, the AT&T model is slightly different and doesn’t cover CDMA networks, and some other frequencies around the world. Meaning you can’t take it on Sprint or Verizon. Meanwhile the sim free model is slightly different and covers all network...
by wilshuer
Mon Sep 10, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6364

Re: Hurricane Florence - survival guide

Maybe one thing to add for the generator comments - a chain and lock to keep it from walking off. It tended to be a problem in our vicinity during Harvey and previously during Ike. People would go around at night looking for generators, it was pretty obvious who had them and who didn't merely due to...
by wilshuer
Mon Sep 10, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5039

Re: Advice on how to deal with barking dogs

There are ultrasonic devices you can purchase that may help. We have a small handheld one to use on neighbors dogs when we're in the backyard. Our dogs are fairly well behaved, and just sniff through the fence, while the neighbors typically bark to the point of making it impossible to sit on the bac...
by wilshuer
Sun Sep 02, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Under insured motorist insurance
Replies: 19
Views: 989

Re: Under insured motorist insurance

Yes, given the number of uninsured and under insured it is a prudent move. I always declined in the past, but recent change to a new company a few years ago went ahead and got it. Since then both my wife and I have been hit by uninsured drivers. Luckily no injuries and minor repairs ~$1500 each acci...
by wilshuer
Tue Aug 21, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Sellers beware on eBay.
Replies: 66
Views: 6228

Re: Sellers beware on eBay.

Yeah, pretty much my experience for the one time selling anything of value on eBay. Sold a nice musical instrument and received a highly rated buyer as high bidder. I clearly stated using UPS for shipping, both for cost and tracking purposes. The first complaint from the buyer was he wanted USPS whi...
by wilshuer
Tue Aug 21, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Wood pad for garage door separating from wall: Who is responsible?
Replies: 9
Views: 1498

Re: Wood pad for garage door separating from wall: Who is responsible?

Can't change the past actions, but I would have requested the installer to replace the pads as part of the work - if they were not in shape to hold the door. At this point, perhaps engage the contractor again and let them know you have problems with the installation, presumably there is some type of...
by wilshuer
Sun Aug 12, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: Tipping lawn service and trash pickup
Replies: 27
Views: 2206

Re: Tipping lawn service and trash pickup

Our trashmen usually come early on Sat, if I'm outside then I'll hand them a Gatorade, they appreciate it especially on the hot days. They do it the old fashion way by hand - not the mechanical arm. If have found it pays off when I have something large or quite a bit of trash for whatever reason, ne...
by wilshuer
Wed Aug 08, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2383

Re: Grind and Brew Coffee Makers - worth it?

Which superauto needs such little maintenance??? I have a Saeco, and am about to give up on it. It needs a major cleaning (remove brew group, etc) every time I empty the dregs box. The amount of unused grounds that spill out past the brew group is disappointing, but I have finally started to collec...
by wilshuer
Tue Aug 07, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2383

Re: Grind and Brew Coffee Makers - worth it?

For the higher end super automatic machines what is the cleaning process like, especially for the used grinds? I assume you still need to empty and clean between uses? There's a small container that collects the grounds - they're pushed into a small puck - and after 10 or so cups the machine says t...
by wilshuer
Tue Aug 07, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2383

Re: Grind and Brew Coffee Makers - worth it?

After doing the math on a Keurig vs a grind and brew, based on the amount we drink per day, I bought a DeLonghi Magnifica super automatic machine, it's going on around 9 years old now. Granted Keurigs have come down - both machine and pods, but I feel I've gotten my money's worth out of it many time...
by wilshuer
Mon Jul 16, 2018 5:32 am
Forum: Personal Consumer Issues
Topic: how to diagnose problem with cable internet speed
Replies: 27
Views: 2382

Re: how to diagnose problem with cable internet speed

Looks like OP solved the issue, but some added advice for others based on my troubleshooting. It’s best for the modem to be connected after the first splitter coming into the house. For your modem you’ll need to look up the modem’s html Page, in my case it is 192.168.100.1, and you can see the signa...
by wilshuer
Wed Jun 27, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15347

Re: How much (green) cash at home for emergency ?

During the flooding from Harvey, I think the amount of bribes paid to get people rescued were actually very very low. As one who was on a boat helping to evacuate people, correct. It was amazing and restored faith in humanity to see the number of people out there in their own boat using their own g...
by wilshuer
Tue Jun 26, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7581

Re: Family dynamics/in laws/am I being petty?

Perhaps a suggestion. Have somewhat similar situation between my family and my inlaws. I always grew up with my parents\grandparents pretty much always fighting over paying, whoever could grab the bill first paid. Since my wife and I have been married - approaching 20 years, it more or less becomes ...
by wilshuer
Wed Jun 20, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 44
Views: 6787

Re: dryer vent cleaning--your thoughts?

Maybe one other thing to add, if your dryer (especially new dryer) is taking a long time, check to ensure there isn't an efficiency setting turned on. We went through this with a new dryer recently purchased. I methodically went through cleaning out the vent when we had to replace our failed electri...
by wilshuer
Sun Jun 03, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5369

Re: 125K Spend - Would you do this ?

This is excellent option we should seriously consider. My son's room can fit a queen bed too. thanks again for this. I would put a bunk bed in my sons room, perhaps a double on the bottom and twin for him on the top. Kids generally sleep more deeply and you could give yourself some mkre time to dec...
by wilshuer
Wed May 23, 2018 5:21 am
Forum: Personal Consumer Issues
Topic: Just had windows installed..one of them with scratches..
Replies: 15
Views: 1807

Re: Just had windows installed..one of them with scratches..

If that noticeable I would hesitate to use that contractor again, they should have seen the scratches before installation. Seems an easy push off to the manufacturer. I would expect the installer to either handle it as a customer service, or have not installed it in the first place.
by wilshuer
Tue May 15, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Experian and Temporary Credit Thaw
Replies: 4
Views: 422

Re: Experian and Temporary Credit Thaw

I've done it twice since the start of the year, was very easy. Perhaps you didn't enter the PIN correctly.
by wilshuer
Mon May 14, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9365

Re: Is there a boglehead muscle car?

We just got a low mileage Challenger SRT8 - it is a fun car, true modern muscle car. Was a bit of a splurge, but we're doing well on the other finances and figured why not, it's time to live. DW is just going back to work, so she reallocated my bonus for me - and she's the bigger fan of it than me. ...
by wilshuer
Wed May 09, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: How to remove garden hose nozzle that is stuck on a hose
Replies: 41
Views: 7537

Re: How to remove garden hose nozzle that is stuck on a hose

Due to very hard water, I seem to get this quite often, and have somewhat learned from it. I've changed over to quick-connect type fittings for all my hoses and nozzles. I have had to cut a few off with the dremmel tool, very carefully cut down just deep enough to get through the female end threads,...
by wilshuer
Wed May 02, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance
Replies: 24
Views: 1609

Re: Flood Insurance

Sometimes developers/real estate folks are successful in keeping neighborhoods out of flood zones that really should be in flood zones. Flood mapping is a very political process, unfortunately. It's not so much politics, it's when the developers haul in tons of dirt and raise the ground level of a ...
by wilshuer
Tue May 01, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: Fiber cable on front lawn
Replies: 39
Views: 2858

Re: Fiber cable on front lawn

Submit something through their public website referring it to their legal department, and that you are quite concerned about the tripping hazard caused by their equipment on your property. Have likewise informed your insurance company of the liability caused by their oversight and inability to addre...
by wilshuer
Mon Apr 30, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: 3 days in London - must dos?
Replies: 31
Views: 2173

Re: 3 days in London - must dos?

Just spent 10 days there for work, so some recent comments. There about once a quarter. Don't expect to see Big Ben, it's currently covered in scaffolding. For a nice view, and probably almost required to have a reservation, look to eat on top of the Heron/Salesforce tower - Duck and Waffle. It's th...
by wilshuer
Sun Apr 22, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 1113

Re: Car driver's power window - problem - ideas?

Perhaps the switch, wouldn't doubt if the contacts on the switch are worn.
by wilshuer
Mon Apr 16, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Deductible Medical Expenses....
Replies: 20
Views: 1232

Re: Deductible Medical Expenses....

While going through multiple rounds of IVF we claimed the medical deduction 3 years in a row. Weren't even audited, if my math is correct now it's outside of what would be audit-able. Didn't have too many other deductions that would have thrown up a flag. In terms of documentation, I did through exc...
by wilshuer
Mon Apr 16, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Removing oil stains on garage floor
Replies: 10
Views: 1289

Re: Removing oil stains on garage floor

Had to look to see if they still sell it, but Spic and Span powder always seemed to work miracles. Growing up my father was a mechanic, and my weekends and summers while a kid usually consisted of working in his shop - which was usually giving it a thorough cleaning. He used to buy the stuff in 5 ga...
by wilshuer
Fri Apr 13, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Picture duplicates on hard drive
Replies: 8
Views: 818

Re: Picture duplicates on hard drive

I went through this awhile ago, there are a few duplicate photo finder programs that exist. They'll show a 'base' image and all those that match by the checksum data, you'll see them side by side and can eliminate the duplicates. It was actually a fairly fast process to go through a few 1000 images,...
by wilshuer
Sun Apr 01, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Online meals, anyone do these?
Replies: 28
Views: 3566

Re: Online meals, anyone do these?

We’ve just started emeals and Kroger where they create the recipe and fill a Kroger click list cart for you. It’s a bit of a hybrid and a lot cheaper. Tried both Blue Apron and Hello Fresh and found them okay, but pricey and would’ve preferred less exotic recipes - trying to get 6 year olds to eat s...
by wilshuer
Thu Mar 29, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Renting car when you lose your D/L out of state
Replies: 30
Views: 2466

Re: Renting car when you lose your D/L out of state

Another big concern is getting ID to show at the airport when you take your return flight home and a temporary drivers license is not acceptable. You may want to have someone mail you your passport if that is possible. https://www.tsa.gov/travel/security-screening/identification As the link you pro...
by wilshuer
Sun Mar 25, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Issue With Door Knob
Replies: 14
Views: 1334

Re: Issue With Door Knob

If I’m interpreting correctly sounds like it’s hanging up somewhere, look for uneven wear. Suspecting it’s the original, not new, so could have uneven wear due to always being opened one way vs the other, either the spindle or receiver on the latch plunger is probably worn. If you take it out of the...
by wilshuer
Sun Mar 18, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 6154

Re: Amazon Prime Going Sideways/Weird Shipment Problems

Definitely has gone downhill. With UPS almost always on time. They will often use USPS or surepost to USPS, which is hit and miss - mostly miss. What’s worse is with USPS the tracking is meaningless, sometimes shows it’s at our local post office for 2-3 days. I haven’t particularly complained yet, b...
by wilshuer
Tue Mar 06, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: Online customer review denied
Replies: 33
Views: 3866

Re: Online customer review denied

It's funny they list "Cannot focus solely on vehicle fitment (because this only applies to your specific vehicle)" as that's a key aspect of an auto part purchase - does it fit? I imagine it was kicked out due to some AI that scanned for key words, detected what it thought was against policy, and fl...
by wilshuer
Tue Mar 06, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Colorado Summer Vacation - what to see and where to stay
Replies: 65
Views: 5334

Re: Colorado Summer Vacation - what to see and where to stay

Some good recommendations above, also if you search there was a thread last year with a lot of good comments as well. For those ages of kids, you might look at Winter Park - alpine slide for the kids, easy to access from Denver. From there you can route up through RMNP and back through Boulder. Opti...
by wilshuer
Tue Feb 20, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: 26 foot Box Truck Rental Questions (Tolls and Insurance)
Replies: 10
Views: 915

Re: 26 foot Box Truck Rental Questions (Tolls and Insurance)

Adding to the security side, when parking and if possible, back into the spot in a place you can get the door backed up to a wall or something else. This will make it more difficult for someone to attempt to steal anything out of the back. Leave yourself stopping distance, turn wider than you think....
by wilshuer
Fri Feb 16, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 8380

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

tmcc wrote:
Fri Feb 16, 2018 11:58 am
if he gets in an accident when you have UM, you still get dinged with go forward rates. UM doesn't preclude them from upcharging you in the future.
Depends on state law. And, in fact my renewal for this year dropped a few dollars.
by wilshuer
Fri Feb 16, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Should I be paying $1300/yr. for under/uninsured motorist protection?
Replies: 99
Views: 8380

Re: Should I be paying $1300/yr. for under/uninsured motorist protection?

Seems very high as others have said. Haven't looked what mine is this year, however last year it was ~$80 for two vehicles. I always thought it was a waste and my comp/collision would cover if needed. When I changed insurance a few years ago to current company, I went ahead and paid it - glad I did....
by wilshuer
Fri Feb 16, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Penfed and credit reporting
Replies: 1
Views: 310

Penfed and credit reporting

Just went through an experience with Penfed and credit reporting - thought it would be good to share with the forum as I know many here use Penfed, and I actually landed on getting a card based on recommendations here. Have been a member with Penfed for ~5-6 years. In the past 1.5 yrs have had my ca...
by wilshuer
Fri Feb 09, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 4408

Re: A bill from the doctor - how/should I contest?

That's a tough one, especially with what seems like poor documentation and poor explanation. I would challenge it, especially on the basis that you've given them business based on recommendations - be sure to highlight that. Perhaps it will be waived simply as a referral bonus. On a side note, I'm ...
by wilshuer
Fri Feb 09, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: A bill from the doctor - how/should I contest?
Replies: 44
Views: 4408

Re: A bill from the doctor - how/should I contest?

That's a tough one, especially with what seems like poor documentation and poor explanation. I would challenge it, especially on the basis that you've given them business based on recommendations - be sure to highlight that. Perhaps it will be waived simply as a referral bonus. On a side note, I'm h...
by wilshuer
Tue Feb 06, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 8349

Re: Amazon Alternative

I don't know if its a function of more automation and kinks being worked out, or other issues, but packaging from Amazon has been horrendous for me as well - sometimes beyond comical. Beyond some items taking days longer to arrive, some recent examples - a small item, about the size of a pack of pla...
by wilshuer
Tue Feb 06, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Sent a letter without country
Replies: 6
Views: 804

Re: Sent a letter without country

Even if you put the country, doesn't guarantee it will get there. There was a funny story late last year about Canada Post sending a package to Swaziland instead of Switzerland. The people documented the journey, I believe it was finally delivered properly after a few months.
by wilshuer
Mon Feb 05, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Xfinity mobile is burning through data
Replies: 17
Views: 1949

Re: Xfinity mobile is burning through data

AT&T has stream saver where it reduces the bandwidth for video to save data. I know once they rolled it out about a year ago our data usage dropped.

Could be related to this, your new provider doesn’t have something equivalent or it’s not on by default.
by wilshuer
Mon Jan 29, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 10071

Re: Neighbor recently burgalerized - Suggestions for home security

One thing to check are the screws on your exterior door hinges and lock strike plates. A while ago there was a news report discussing this and kicked in doors. It compelled me to check our own, contractor grade screws where only about 3/4", only into the door frame and not house frame. Was somewhat ...
by wilshuer
Wed Jan 24, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Have you ever found an error on your amazon bill?
Replies: 20
Views: 1871

Re: Have you ever found an error on your amazon bill?

You can download your entire Amazon history in an excel sheet through the orders menu. I’ve downloaded mine back to 2000, sort of depressing to see how much I’ve spent through the years.
by wilshuer
Mon Jan 22, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Chevrolet Suburban - 1500 or 2500?
Replies: 26
Views: 2060

Re: Chevrolet Suburban - 1500 or 2500?

Isn't the autoride an option - i.e. you should be able to find one without it. Is there that much of a cost difference to push up into the 2007+ generation? Might be able to find lower miles and fewer issues. Can't answer specific for the 05-06 range, I have an 07 1500, 5.3 with Z71 option - the sus...
by wilshuer
Fri Jan 19, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Paying semi-illiterate vendor via credit card who has no email or computer
Replies: 23
Views: 2097

Re: Paying semi-illiterate vendor via credit card who has no email or computer

Seems like whatever route is going to raise auditor flags, to ensure you're covered, especially given it's a gov't organization, I would have a documented meeting with a supervisor, financial person and a legal person to discuss what is the best route and agree path forward. Remember, ultimately you...
by wilshuer
Fri Jan 19, 2018 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 3436

Re: Help Me Spend $900.00 Unused FSA Dollars

Mileage to/from Dr appointments could add up, especially with newborn. Parking, tolls, etc. Anything with shoe inserts, podiatry? Baby care items may be covered, there should be a listing to reference. Baby formula looks to be if stated to be necessary by doctor - not latching for breastfeeding coul...
by wilshuer
Wed Jan 03, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Found a check from two years ago - oops
Replies: 9
Views: 995

Re: Found a check from two years ago - oops

Depending on your state, the bank may have been required to send the funds to the state's unclaimed property holdings. I know for my state, and previous ones I've lived in, they have websites to quickly look up based on last name, etc. After more than a year on a closed account, I'm sure the bank wo...
by wilshuer
Mon Dec 11, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Where might be car security system "secret" button?
Replies: 17
Views: 1982

Re: Where might be car security system "secret" button?

Quick Google search, sounds like this may apply to your car. https://itstillruns.com/disable-2001-camry-alarm-7657654.html How to Disable the 2001 Camry Alarm One of the many options included with the Toyota Camry that owners can choose from when they purchase their vehicle is the in-car alarm syste...
by wilshuer
Fri Dec 08, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: QUESTION ANSWERED NO HELP NEEDED - mortgage escrow payment added to principal balance and charged interest each month
Replies: 18
Views: 952

Re: mortgage escrow payment added to principal balance and charged interest each month

I felt like when I'm helping my kids with the common core math. I know the answer, pretty sure I know what it's asking, but don't know how to show them in the method that the teacher wants them to learn.