Search found 233 matches

by UALflyer
Mon Sep 17, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: Humidity in basement
Replies: 36
Views: 2983

Re: Humidity in basement

I would not allow humidity to exceed 55. I have seen firsthand seven figure homes destroyed by mold. Just get a dehumidifier that can automatically drain into a toilet or something so you dont have to think about it. Problem solved, cheap fix +1 I agree with all that. Just keep in mind that humidit...
by UALflyer
Sun Sep 16, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Cell phone insurance
Replies: 25
Views: 1855

Re: Cell phone insurance

You might want to check with your homeowner's insurance agent. We pay about $50 per year for a mobile phone rider that pays replacement value if a phone is lost or damaged. Given the price of a new mobile phone and the number of times our teenagers damaged their phone, it seems more than reasonable...
by UALflyer
Thu Aug 30, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: Homeowners insurance - purchase online
Replies: 17
Views: 1268

Re: Homeowners insurance - purchase online

I have an independent agent already. But I don’t like to be reliant on someone else every time I want to tweak a policy. Obviously you are correct that some companies only sell thru an agent and therefore I would be limiting my options. But I’m still looking for any feedback from someone who has go...
by UALflyer
Thu Aug 30, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: Homeowners insurance - purchase online
Replies: 17
Views: 1268

Re: Homeowners insurance - purchase online

Chubb, USAA, and Amica have the best reputation. (eg not fighting you, using OEM parts, offering higher limits on sewer backup) I've seen you post this quite a bit, even though it is significantly more complicated than that. For starters, you are comparing apples and tanks here, as these carriers a...
by UALflyer
Wed Aug 22, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

will get a quote from Chubb to see it fares any better than Amica As I mentioned above, your insurance shopping strategy of only checking with one or two carriers based on your perception of their "reputation" makes no sense, but to each his own. Chubb is a superb company and offers excellent polic...
by UALflyer
Tue Aug 21, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

UALFlyer, that would be discouraging as I would actually love to stay with Amica, and the only reason I'd leave would be due to policy cost... I did a little research on High Networth Insurance companies and found this article: https://juengelagency.com/high-net-worth-insurance-case-study/ What do ...
by UALflyer
Mon Aug 20, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

I actually should thank you UALflyer for bringing this topic in one of your previous posts. It was after that and recent experience of one of my coworkers who had $25K worth of sewer backup damage on the 1st story of her house that I reviewed my policy and after discovering that I only have $500 in...
by UALflyer
Mon Aug 20, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

I am consumer, and what I really want is for my insurance company to pay claims without me having to go to court or arbitration to force it. Amica always--or nearly always--pays claims in full without argument, based not only on my own experience, which has indeed been VERY positive, but on tons of...
by UALflyer
Mon Aug 20, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

I have had Chubb for 25 years, but I am not happy with them. Earlier this year, at renewal time, I asked my broker to help me figure out how to reduce my $6,000 premium. She failed miserably - every time I tried to decrease one thing, another increased. And, the agent was unable to explain this in ...
by UALflyer
Mon Aug 20, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

Just go to a broker every year. It’s basically 1 or 2 emails and they do all the work for you. They’ll present you with 3 or 4 options based upon coverages you requested and go from there. I resisted going to a broker thinking I could do it better myself, but no, I can’t. There are over 100 insuran...
by UALflyer
Mon Aug 20, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Cheapest Home Insurance ?
Replies: 34
Views: 2951

Re: Cheapest Home Insurance ?

That being said, if you want the "cheapest" your best bet is to call a couple local independent broker agents that can go to 5-10 carriers and find you a lower rated AM Best carrier for cheap. Geico, being Berkshire Hathaway, has the highest AM Best ratings, but you can go find some B-rated or lowe...
by UALflyer
Fri Aug 10, 2018 7:29 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2083

Re: Anyone familiar with attic fans?

I was just reading about attic fans (attic fans, NOT whole-house fans) this morning, and some of the web pages I googled up said that they were a total waste--that the heat came into the house by radiative means and that the hot air was irrelevant. One web site compared using an attic fan to try to...
by UALflyer
Thu Aug 09, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Anyone familiar with attic fans?
Replies: 32
Views: 2083

Re: Anyone familiar with attic fans?

powered attic ventilator fans are generally considered to be a net drain on energy savings, so a broken one is better than a working one: https://www.greenbuildingadvisor.com/article/fans-in-the-attic-do-they-help-or-do-they-hurt Yes and no. Whether or not it is a net energy drain depends very heav...
by UALflyer
Tue Aug 07, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3033

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

UALFlyer: I read your post. Good points about complementary coverage, and the need for adequate water-related coverage on homeowners' policies, and about limitations of NFIP policies, but your points do not (correct me if I'm wrong) argue against also purchasing flood insurance. If there is more ra...
by UALflyer
Tue Aug 07, 2018 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3033

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

For all intents & purposes, everyone who owns a home needs flood insurance. Thinking it is necessary only for those in a flood zone is a common & unfortunate misconception. Not to mention it presumes that humans can predict the future. Please take a look at my explanation above, as it's more compli...
by UALflyer
Tue Aug 07, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3033

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

Thank you for this detailed post, UALflyer. I was also reviewing my sewer/drain line backup coverage from my homeowners' policy (as well as "underground service line" coverage) and mine is only $5K, which seems dangerously low. But, like my original post, I'd wonder...how much does one need? Person...
by UALflyer
Mon Aug 06, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 3033

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

This is a good thread, but a number of essential insurance considerations are missing from it. When people think of "floods," they think of Houston and the like, where streets become rivers, structures become submerged, etc... The vast majority of "floods" are quite different, but are similarly deva...
by UALflyer
Mon Aug 06, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 5257

Re: Vacation- home precautions?

3. turn off AC in summer If your summers are humid, this is a very bad idea. Your a/c, in addition to lowering the temperature, also dehumidifies the air. When the air is humid and you do not run your a/c, you are creating conditions that are extremely conducive to mold. Turn up the temperature a f...
by UALflyer
Tue Jul 31, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1976

Re: Am I being ripped off by my dentist and/or insurance company?

The main reason that major dental procedures are covered at a lower percentage is because they're very frequently preventable. So, they're trying to create a financial incentive for people to take care of their teeth and to timely address dental issues before they become more serious. I think it is...
by UALflyer
Tue Jul 31, 2018 11:39 am
Forum: Personal Consumer Issues
Topic: Am I being ripped off by my dentist and/or insurance company?
Replies: 23
Views: 1976

Re: Am I being ripped off by my dentist and/or insurance company?

Most dental insurance companies have three categories of dental charges: preventative (regular exams, cleanings and x-rays), which are typically covered at 100% for in-network claims, minor dental (fillings, extractions and periodontal maintenance), which, depending on the dental plan, is typically ...
by UALflyer
Mon Jul 30, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3597

Re: Chase Sapphire Reserve travel insurance

It appears that AMEX Platinum no longer offers travel insurance. My recollection is that they did ... not sure as I switched nearly two years ago. As to our current Reserve card, looks like I'll downshift to Preferred and use the savings to purchase independent travel insurance when traveling. Rega...
by UALflyer
Mon Jul 30, 2018 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3597

Re: Chase Sapphire Reserve travel insurance

Exterous wrote:
Mon Jul 30, 2018 11:37 am
I've used them 4 times over the past 5 years or so:
Chase Sapphire Reserve hasn't been around that long. The terms of travel insurance that comes with other Chase cards are somewhat different.
by UALflyer
Tue Jul 24, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Auto Insurance Deductibles
Replies: 12
Views: 1043

Re: Auto Insurance Deductibles

Insurance companies profit by winning the bet against you. Only insure for losses you cannot afford. People get way too carried away thinking that they'll save money by eliminating insurance coverage. In calculating premiums, insurance companies have to use averages and their own, internal loss his...
by UALflyer
Tue Jul 24, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Auto Insurance Deductibles
Replies: 12
Views: 1043

Re: Auto Insurance Deductibles

To me, the decision has very little to do with whether I am able to absorb the loss, and a lot more to do with the cost of coverage, versus the probable amount of the payout and the likelihood that a claim would need to be made. For instance, if the coverage costs you $100/year and, after accounting...
by UALflyer
Thu Jul 19, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2303

Re: Need Help Evaluating HVAC Needs and Quotes

The flip side, however, is the fact that the a/c industry as a whole tends to attract a lot of poorly trained and downright incompetent contractors, so while Trane, Lennox and Carrier's requirements eliminate the above issues, you can still easily end up with an incompetent technician. +1. See, for...
by UALflyer
Wed Jul 18, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Need Help Evaluating HVAC Needs and Quotes
Replies: 22
Views: 2303

Re: Need Help Evaluating HVAC Needs and Quotes

I spent a lot of time on youtube channels of small HVAC guys. One thing I learned was they didn't like Trane, not because there was anything wrong with them, they just had quotas and most of the small guys couldn't sell enough to qualify. Trane, Lennox and Carrier all have sales quotas, as well as ...
by UALflyer
Thu Jul 12, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2670

Re: Prepaid cell phone plan vs Regular Contract Plan

She stated that pre-paid lines save money through customer service and being lower priority during network congestion and not subsidizing devices but otherwise treated the same. The vast majority of the differences are disclosed by all the pre-paid carriers and MVNO's, but you may have to dig throu...
by UALflyer
Wed Jul 11, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1899

Re: Radon

Corentium Home by AirThings Radon Gas Detector is designed to not require yearly calibration. Technically, no electronic continuous radon detectors "require" calibration in the sense that they'll continue to function without it. Most manufacturers do recommend it, while Corentium doesn't. Corentium...
by UALflyer
Tue Jul 10, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1899

Re: Radon

Having an electronic radon detector is far superior Long term charcoal testing is the gold standard in reliability and is used as a radon clearance test. He used two of those over a 4 1/2 month period, so there is no question about the test results. Electronic radon detectors are very convenient, a...
by UALflyer
Tue Jul 10, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1899

Re: Radon

TT wrote:
Tue Jul 10, 2018 6:23 pm
I would recommend buying a radon detector that monitors radon in real time.
Why? He has done two long term charcoal tests, which is the gold standard of reliability, and came back with a 4.9. Further testing is not going to change anything.
by UALflyer
Tue Jul 10, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1899

Re: Radon

I just re-read the posts and see that the OP ran two separate Accustar alpha track test kits for 4 1/2 months. Residential radon testing doesn't really get any more reliable than this. Since these highly reliable long term charcoal tests came back with a reading of 4.9 (were they both the same?), it...
by UALflyer
Tue Jul 10, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1899

Re: Radon

I used "Two-Pack: Accustar Alpha Track Test Kit AT 100", Purchased through Amazon. It looks like they are referred to a "alpha track foils". They are just two separate alpha track tests, instead of one. They are a very good idea for larger basements, as well as for situations where you want to mini...
by UALflyer
Tue Jul 10, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Radon
Replies: 29
Views: 1899

Re: Radon

Radon risk seems to be multiplied for smokers Radon is a carcinogen, which causes lung cancer. So does smoking. So, if you are a smoker and are exposed to high radon levels, you are especially vulnerable. It's like being an alcoholic, which is a common cause of cirrhosis of the liver, and so is hep...
by UALflyer
Tue Jul 10, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Surge protector for new refrigerator?
Replies: 10
Views: 768

Re: Surge protector for new refrigerator?

I had always thought that a surge could damage a compressor during restart, weather in your refrigerator or AC unit. I don't know if a surge can damage a compressor, but do know that if power is interrupted and then turned back on rapidly while a compressor is running, it can be damaged. After stop...
by UALflyer
Tue Jul 10, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Surge protector for new refrigerator?
Replies: 10
Views: 768

Re: Surge protector for new refrigerator?

I'm not sure I would do that. A refrigerator is not that sensitive to power surges (unlike tvs, computers). It's not as sensitive, but can still be damaged by a surge. https://www.bankrate.com/finance/smart-spending/power-surge-protector-needed.aspx Depending on your overall power situation, someti...
by UALflyer
Fri Jun 29, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

I don't buy this, the fact that you have to fill all the extra space alone will cost you a ton more. Not necessarily. I've owned houses that were two and three times larger than the previous ones. The cost to furnish them was roughly the same, as the smaller house had essentially the same amount of...
by UALflyer
Fri Jun 29, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3566

Re: Best insurer? Allstate vs chubb vs AAA or others

..What this means is that if you are trying to decide between Amica and State Farm, for instance, and the contractual coverage options are identical, you'd be insane to pay $1,000 more for Amica... It only seems insane -- until you have serious accident or damage to your property and discover that ...
by UALflyer
Fri Jun 29, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Anyone use T-mobile cell network?
Replies: 32
Views: 1950

Re: Anyone use T-mobile cell network?

Check out Cricket Wireless as mentioned. You might save more than $50. Especially if you have multiple lines. We have 5 Unlimited lines for $125/month tax included. Cricket is fine, but a few things to keep in mind: * Your service is deprioritized at all times, which becomes an issue if you are eve...
by UALflyer
Fri Jun 29, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3566

Re: Best insurer? Allstate vs chubb vs AAA or others

DO NOT BUY INSURANCE BASED SOLELY ON PRICE. Sorry for yelling, but it's that important. I agree, but a lot of people misinterpret this statement to mean that they should stay with the same insurance company for life, or, to the extent that they do shop their policies, limit the search to only 2-3 c...
by UALflyer
Thu Jun 28, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

I also know from personal experience that 3000 sq. ft. is unnecessary for 4 people. Unless you're currently throwing dinner parties every weekend, it's a lot of wasted space. All of us own things that certainly aren't "necessary," in the sense that there are plenty of people in this world who live ...
by UALflyer
Wed Jun 27, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

My point is that there is little/no correlation between square footage (in the range of 1500 vs 3000) and quality/craftsmanship. As I've mentioned above, this would depend on the location. In our area, there is no such thing as a 1,500 sq. ft. house that is not a starter house. An overwhelming majo...
by UALflyer
Wed Jun 27, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

You and I largely agree there, except that we are talking about different things. If you are about 30 years old, as the OP is, the list of considerations is likely to be about the same regardless of whether you are buying it for 15+ or 30+ years. If, on the other hand, you are 50 years old, then ye...
by UALflyer
Wed Jun 27, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

What you are saying is certainly true and it certainly does happen, but I do not know how significant it is that the person would end up staying in a house for 15+ years, versus literally "forever," as the considerations for both would be about the same . This is absolutely not true. If you plan to...
by UALflyer
Wed Jun 27, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

Maybe you didn't see the OP's subsequent response about the house he is considering... I think the house is underpriced as it's not on one of the "nice streets" (meaning mostly >$1 mil homes) in the neighborhood and it's one of the first of the older homes on the street to be renovated and added on...
by UALflyer
Wed Jun 27, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

A valid point. Even when I said forever house, what that really means is raise the kids house and maybe retire, maybe sell for a lake place and a small house in our city. So it is an "intermediate term house" and not a "forever house." I think most people who use the term "forever house" are just l...
by UALflyer
Wed Jun 27, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 101
Views: 11944

Re: $1 million house--- sanity check

OP, when you read people's posts, be sure to consider the fact that people's individual situations, which tend to be quite different from yours, tend to very heavily influence people's opinions. For instance, you've gotten a number of responses saying that the upkeep of a larger house is likely to b...
by UALflyer
Wed Jun 20, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3893

Re: Sherwin Williams paint

As I posted earlier my son works for them at a local store. The amount of solids and other items that help the paint last and look better have been analyzed by independent agencies and SW products have more in them. Granted, Painters get a great discount at the stores and free shirts but the paint ...
by UALflyer
Wed Jun 20, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3893

Re: Sherwin Williams paint

I agree that it's not the sole reason painters use it, but I've got to believe that if it was laborious and difficult to apply, they wouldn't be using it. I do realize that painting contractors get some nice discounts on it. Right, Sherwin Williams' paint is fine, and it's not laborious and difficu...
by UALflyer
Wed Jun 20, 2018 6:36 am
Forum: Personal Consumer Issues
Topic: Sherwin Williams paint
Replies: 52
Views: 3893

Re: Sherwin Williams paint

This is why almost all paint contractors use Sherwin-Williams and Benjamin Moore paint, because it saves them on labor, which is where the real $$$ is spent. Sherwin Williams' paint is fine, but this isn't the reason that all paint contractors use it. They get professional discounts at Sherwin Will...
by UALflyer
Tue Jun 12, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: When should you consider removing the collision coverage on a car?
Replies: 70
Views: 6055

Re: When should you consider removing the collision coverage on a car?

My rationale does not ignore the likelihood of a payout. The insurance company has to take it into account. They also have to account for their overhead and profit margin when charging premiums, which are costs I do not have. Their rates work for them, and they're very good at this, so pricing for ...