Search found 462 matches

by UALflyer
Tue Oct 15, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 46
Views: 2731

Re: FEHB Open Season 2019

It is more that there are plausible, if unlikely, scenarios where a standard plan comes out on top, such as a year where your only medical expense is a gigantic accident-induced ER-only visit. Not an outcome you should bet your insurance plan on. If you are making full use of the HSA, the probabili...
by UALflyer
Tue Oct 15, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: FEHB Open Season 2019
Replies: 46
Views: 2731

Re: FEHB Open Season 2019

I’m also awaiting info. I plan on switching from BCBS Basic to GEHA HDHP. I’m nervous, but have back-tested the last two years’ health expenses and I would have come out ahead in both. Time to make the leap in order to utilize the HSA! I made that switch two years ago and have only one regret: that...
by UALflyer
Wed Oct 09, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3450

Re: 2010 Prius totaled.... Now what?

Are you talking about what CarMax offers for the totaled car or before it was totaled? I am talking about the amount that CarMax would've offered you to purchase the vehicle before it was totaled. They should be offering you what CarMax sells the equivalent 2010 Prius with similar mileage. After al...
by UALflyer
Tue Oct 08, 2019 8:20 am
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2806

Re: Economics of upgrading to latest iPhone vs one generation behind

While we're on the topic, does anyone think it's better to hold off on upgrading now and just waiting until 2020 for the new iPhones (which are supposed to be much better)? This year's iphones represent a smaller than usual improvement over the '18 versions, which is also the reason that Apple has ...
by UALflyer
Tue Oct 08, 2019 7:24 am
Forum: Personal Consumer Issues
Topic: Economics of upgrading to latest iPhone vs one generation behind
Replies: 36
Views: 2806

Re: Economics of upgrading to latest iPhone vs one generation behind

Best Value: Last Year's Android Phone I am totally OS agnostic, have used plenty of Android phones as well as iphones, and tend to think that these decisions tend to be very personal. Having said that, one of many reasons that Android phones depreciate much faster than iphones is because Android ph...
by UALflyer
Mon Oct 07, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3450

Re: 2010 Prius totaled.... Now what?

I've been through vehicles being totalled twice in the last decade or so. If I recall correctly: At least one of the times, the adjuster sent me or showed me a list of cars (used, at dealerships), for sale in our area, comparable to the totalled vehicle. The settlement check was enough to buy at le...
by UALflyer
Mon Oct 07, 2019 1:20 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3450

Re: 2010 Prius totaled.... Now what?

As far as checks are concerned, you will likely get a check for the replacement cost of a 2010 Prius with ~160k miles. Just so you know, in the absence of a special endorsement, all standard insurance companies pay the actual cash value, not the replacement cost of the vehicle. So, arguing that the...
by UALflyer
Mon Oct 07, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: 2010 Prius totaled.... Now what?
Replies: 40
Views: 3450

Re: 2010 Prius totaled.... Now what?

As far as checks are concerned, you will likely get a check for the replacement cost of a 2010 Prius with ~160k miles. Just so you know, in the absence of a special endorsement, all standard insurance companies pay the actual cash value, not the replacement cost of the vehicle. So, arguing that the...
by UALflyer
Mon Oct 07, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Broken driver-side window. What to do?
Replies: 30
Views: 2268

Re: Broken driver-side window. What to do?

Calling your insurance company is free. Unless they pay out, nothing impacts anything. Call them. Amazes me when people avoid calling their insurance company. That's what you pay them for. They will always tell you IF something is going to impact your rates BEFORE it does. Hit pothole and had a blo...
by UALflyer
Mon Sep 30, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance advice needed
Replies: 26
Views: 1529

Re: Car Insurance advice needed

With the AAA service, as well, you know that AAA will always have such assistance available. My 1998 Camry (with problems) is now sitting in front of my house. In the next day or two, I will call AAA to tow it to my repair place - less than a mile away. There should be no charge for this towing. :)...
by UALflyer
Mon Sep 30, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance advice needed
Replies: 26
Views: 1529

Re: Car Insurance advice needed

We like and use our AAA coverage regularly - but not too much. One thing I don't like is how long it often takes for assistance to arrive - but I have been towed to my repair place (usually no added charge), successfully jump started, had a flat tire changed - when I could not get the lug nuts off,...
by UALflyer
Mon Sep 30, 2019 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance advice needed
Replies: 26
Views: 1529

Re: Car Insurance advice needed

Most of the policies I've seen are $3-$5/month Towing/roadside assistance coverage added to your auto policies is usually $10 - $30/year. The OP's "emergency road service" runs $7.30 on one car and $8.20 on the other, and those are 6 month premiums. So, on an annual basis, this coverage costs the O...
by UALflyer
Mon Sep 30, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Car Insurance advice needed
Replies: 26
Views: 1529

Re: Car Insurance advice needed

I’d eliminate the emergency road service, rental reimbursement and increase your deductibles. You might eliminate the comprehensive and collision entirely as they are fairly old cars. If you have collision and comprehensive coverage, unless you have a spare vehicle, eliminating rental reimbursement...
by UALflyer
Fri Sep 27, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 89
Views: 8825

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

I switched to Xfinity Mobile from Verizon. My bill went from ~$90 for 4 GB to ~ $30 for 3 GB. I’m generally always on Wifi, but even if I went over, it is only $12/GB. If you select autopay, the price for Verizon's 6 GB prepaid plan (3 GB of which is a 'bonus') is $35 plus tax right now. That's a n...
by UALflyer
Wed Sep 18, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 4962

Re: $2k repairs on $12K car

skip the fluids unless the owner's manual calls for it Brake fluid is hygroscopic, which means that it absorbs water. Over time, this causes its boiling point to be lowered (water has a much lower boiling point than the brake fluid itself), which can significantly and adversely affect your brake sy...
by UALflyer
Wed Sep 18, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: $2k repairs on $12K car
Replies: 81
Views: 4962

Re: $2k repairs on $12K car

You can hold off on transmission fluid and power steering fluid unless you are having symptoms. If you're having issues with your transmission, changing your transmission fluid is actually the last thing that you want to do. Likewise, even if your manual calls for a transmission fluid change but it...
by UALflyer
Mon Sep 16, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Term Life - Worth paying extra $50/yr for TIAA-CREF?
Replies: 11
Views: 614

Re: Term Life - Worth paying extra $50/yr for TIAA-CREF?

The rates are from term4sale/zender. Thrivent Financial for Lutheran's is actually the cheapest, followed by Pruco (Prudential), and TIAA is a bit further down the list as it's a bit more. Just haven't heard much about Thrivent and their stability so was comparing Pruco vs. TIAA. Anyone have a term...
by UALflyer
Tue Sep 10, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Car insurance - How much is accident forgiveness worth?
Replies: 11
Views: 2279

Re: Car insurance - How much is accident forgiveness worth?

Is there an update on how much Bogleheads think accident forgiveness is worth? Accident forgiveness can mean different things to different insurers. With some insurers, this feature means that they won't surcharge your policy for an fault accident, but you can still lose an accident-free discount, ...
by UALflyer
Tue Sep 10, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's: notice of non-renewal. Where/how to shop?
Replies: 36
Views: 3922

Re: Homeowner's: notice of non-renewal. Where/how to shop?

I and my parents before me have been with AMICA (Automobile Mutual Insurance Company of America) since at least the 1950s. They are not always the lowest priced but they have always provided excellent customer service for claims and everything else. I have use their dividend policies for their lowe...
by UALflyer
Fri Sep 06, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Downside to Using an Authorized User Card - Not Earning Rewards
Replies: 20
Views: 1195

Re: Downside to Using an Authorized User Card - Not Earning Rewards

Is this the quote you mentioned? "Only purchases made by the Primary and active Primary Household Cardholder on the account will apply toward the Reward." .........sure sounds like 2 different people but I've never thought of myself as the latter......only as authorized user. Some clarification nee...
by UALflyer
Fri Sep 06, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: My Homeowners Insurance Premium Went Down!
Replies: 16
Views: 1350

Re: My Homeowners Insurance Premium Went Down!

Under our policy, the contents are insured (separate from the replacement value) for well over what we have. I would double check to make sure that you have a replacement cost endorsement for personal property. Without it, the insurance company would only pay out the actual cash value of your damag...
by UALflyer
Fri Sep 06, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Downside to Using an Authorized User Card - Not Earning Rewards
Replies: 20
Views: 1195

Re: Downside to Using an Authorized User Card - Not Earning Rewards

What's a "joint member?" Costco's executive memberships have one "primary member" and one "household member." Both earn the same rewards and get a combined check once a year. I've linked Costco's executive T&C's above. Can you please point to the exclusion that you're talking about there. Like I sa...
by UALflyer
Fri Sep 06, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Downside to Using an Authorized User Card - Not Earning Rewards
Replies: 20
Views: 1195

Re: Downside to Using an Authorized User Card - Not Earning Rewards

Are you saying that those holding Costco's household executive memberships do not earn the 2% executive member rewards? That's not correct. Here's a link to Costco's T&C (https://www.costco.com/executive-rewards.html), which says "Only purchases made by the Primary and active Primary Household Card...
by UALflyer
Fri Sep 06, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Downside to Using an Authorized User Card - Not Earning Rewards
Replies: 20
Views: 1195

Re: Downside to Using an Authorized User Card - Not Earning Rewards

I just recently became aware that if you are not the primary member on your Costco Executive Membership (for example, your spouse is the primary member), your Costco purchases do not earn the 2% Executive rewards (this is separate from the citi card 2% rewards). I wish I knew this when we first sta...
by UALflyer
Thu Sep 05, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1330

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

Thanks. I figured it was more nuanced than just 'claims result in premiums going up.' Right. Also, your claims frequency tends to be far more significant than the amount. Three relatively small $3K homeowners claims in a relatively short period of just a couple of years are almost guaranteed to get...
by UALflyer
Thu Sep 05, 2019 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1330

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

Look at it this way, saving $136 a year could cost you $3,000 in deductible. $3,000 / $136 = 22. So you need to go without a claim for 22 years to break even, assuming a level premium. It's not that simple...when you have a claim, your premiums increase. Does that always happen with homeowner's pol...
by UALflyer
Thu Sep 05, 2019 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners insurance -- agent trying to steer me to low deductible vs high?
Replies: 26
Views: 1330

Re: Homeowners insurance -- agent trying to steer me to low deductible vs high?

Just because you are able to afford a high deductible does not end the conversation. People shouldn't be filing claims that will result in small payouts, which means that you're effectively self insuring an amount that is far greater than your actual deductible. If you have a $2.5K deductible and th...
by UALflyer
Tue Sep 03, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6576

Re: Water alarm just saved me a lot of $$$. Do you have them?

After a burst basement water pipe I have installed the following: https://www.moen.com/flo/how-it-works Wow, how exactly does it work? I guess the price is a little high but nothing compared to how much money it can save AND that it can shut off water supply remotely! It's not a Moen device. It is ...
by UALflyer
Tue Sep 03, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 62
Views: 6576

Re: Water alarm just saved me a lot of $$$. Do you have them?

Two years ago, I installed water alarms next to all of our washers, hot water heaters, etc. Today, the saddle (that holds the pump on the wash machine) broke and water flooded the laundry room. Luckily, we were home but downstairs and immediately ran into the laundry room and were able to shut off ...
by UALflyer
Fri Aug 30, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 50191

Re: GEICO auto rates vs. USAA: too good to be true?

I switched to Geico about 2 years ago. The savings were substantial. So far, there have been no rate increases (unlike my experiences with Liberty Mutual and Esurance prior to that). This includes no rate hike following a claim for a not-at-fault accident last summer. I had no issues with the claim...
by UALflyer
Thu Aug 29, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 50191

Re: GEICO auto rates vs. USAA: too good to be true?

...as there are plenty of other companies that offer significantly better contractual protections. You appear to be knowledgeable in this area - please provide some names of other companies that we should consider, which would be very helpful. TIA! A lot depends on your overall profile. If you own ...
by UALflyer
Thu Aug 29, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 210
Views: 50191

Re: GEICO auto rates vs. USAA: too good to be true?

Geico, AAA is always very competitive. USAA normally just takes advantage of people (and mainly veterans) who don't rate shop. You are likely saving $500-1000/yr if you shop home owners, car, umbrella at other companies. Do not go with statefarm, they are one of the worst company you can deal with....
by UALflyer
Wed Aug 28, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4313

Re: When to have an Umbrella insurance policy

Specifically no "forseeable" negligence, 1M settlement offer rejected, followed by lost trial and seized assets. https://www.jrlawfirm.com/blog/foreseeability/ You are continuing to repeat terms without understanding them. As I already mentioned above, if the defendant's actions are deemed to not b...
by UALflyer
Wed Aug 28, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4313

Re: When to have an Umbrella insurance policy

^ Link to that story? That article, just like most articles like it, is behind a paywall. As I mentioned above, you aren't going to find the articles that you're looking for by googling. Most people have no interest in these types of articles, so regular news sources do not publish them. Also, plea...
by UALflyer
Tue Aug 27, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2778

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Is there an official source for what my vehicle would be worth at a total loss? Do I just ask GEICO? With a $1.5K deductible, the 6-month premium for collision would be $50 and for comprehensive would be $11. At that amount, I must just buy it anyway. I would just discuss with GEICO. There's no poi...
by UALflyer
Tue Aug 27, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2778

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Prompted by reading this thread (thank you, Cruiser), I did one of my occasional checks to see what my 12-year-old car's book value is, to figure out how close I am to dropping Collision. One rule of thumb I found (in the NADA website, IIRC) is that if your insurance premium for the coverage(s) in ...
by UALflyer
Tue Aug 27, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4313

Re: When to have an Umbrella insurance policy

> plaintiffs do routinely reject $1MM umbrella policy limits settlements Links? You are not going to find most of this type of information by googling. What you can do is call up some of the personal injury law firms in your area that specialize in high dollar catastrophic personal injury cases, ex...
by UALflyer
Tue Aug 27, 2019 6:17 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2778

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Emergency Road Service Coverage $4.46 / 6 mos This, I would drop. People get it because it's inexpensive, but all emergency road service claims that you make through your insurance company (as opposed to a third party company, such as AAA, or through your credit card's roadside service, etc...) get...
by UALflyer
Mon Aug 26, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4313

Re: When to have an Umbrella insurance policy

I carried 2 mln umbrella for $300 (1 mln was $200) with my auto/home insurance carrier (1 house/2 cars, no boats/etc), but as umbrella policy price went up once I added my teenage son as driver on auto policy, I cancelled it. I felt if part of umbrella justification is because housekeeper can fall ...
by UALflyer
Mon Aug 26, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: When to have an Umbrella insurance policy
Replies: 39
Views: 4313

Re: When to have an Umbrella insurance policy

"You've heard of google, right?" https://wtop.com/national/2019/06/wisconsin-jury-awards-15m-to-family-in-bicyclists-death/ Never would have gone to trial if the driver had 1M umbrella, wouldve settled like always. I have seen a lot of your posts in this forum suggesting that all personal injury cl...
by UALflyer
Mon Aug 26, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Reviewing auto insurance. Dropping comprehensive and collision. What else?
Replies: 42
Views: 2778

Re: Reviewing auto insurance. Dropping comprehensive and collision. What else?

Comprehensive Coverage - $500 Deductible $34.21 / 6 mos Collision Coverage - $500 Deductible $91.70 / 6 mos Although I agree that dropping comprehensive and collision coverage in your situation wouldn't be unreasonable, I don't think that it's nearly as much of a slam dunk as some of the posts seem...
by UALflyer
Thu Aug 22, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - replacement cost
Replies: 24
Views: 1409

Re: Homeowner's insurance - replacement cost

You definitely want it. The depreciated value of the things in your house might be a small fraction of what it takes to get you back to your new normal. See this post on reddit that details how to get the most out of a personal goods claim and gives insight into how these claims work. https://np.re...
by UALflyer
Thu Aug 22, 2019 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - replacement cost
Replies: 24
Views: 1409

Re: Homeowner's insurance - replacement cost

Yes. So if my entire place burns down, everything will paid at what it is worth. Is that so bad? This is a very odd way of looking at things. Most personal property undergoes rather extreme depreciation the minute that you acquire it. Think clothes, for instance, which, depending on the item, frequ...
by UALflyer
Sun Aug 11, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Chubb/PURE vs "normal" insurance (lifelong renter)
Replies: 3
Views: 537

Re: Chubb/PURE vs "normal" insurance (lifelong renter)

I think most folks use those companies because the mainline carriers don't service them. Think umbrella policies above $5MM, multiple residents, art collections, yachts, kidnap insurance, liability policy on home help, etc. Although some of their customers do fit this description, the vast majority...
by UALflyer
Sat Aug 10, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: $3,400/yr seem reasonable for insurance? Reduce this cost???
Replies: 27
Views: 2554

Re: $3,400/yr seem reasonable for insurance? Reduce this cost???

Asking whether your homeowner's and auto insurance costs are reasonable is a rather pointless exercise, as insurance premiums depend on a ton of variables. Further, if all that you're looking at are random posters from all over the country posting their premiums, you have no idea whether the contrac...
by UALflyer
Thu Aug 08, 2019 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Subrogation due to accident
Replies: 27
Views: 3240

Re: Subrogation due to accident

Our insurance company (Westfield) advised us to file a claim through their insurance (American Family) as they thought the process would be a lot smoother. Well it hasn't been. This is why I have Amica, they don't abandon their customers. I've experienced a couple of auto claims with AMICA and was ...
by UALflyer
Wed Jul 31, 2019 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Burned the mortgage. Change the insurance?
Replies: 27
Views: 1998

Re: Burned the mortgage. Change the insurance?

The rep I spoke to verified the $1k requirement with her supervisor. Who is the servicer and what mortgage type was it (Fannie Mae, Freddie Mac, FHA, VA, etc...)? Homestreet Bank. I believe that it's Fannie Mae, but I'm not sure. I'm not familiar with Homestreet, but if they were servicing a Fannie...
by UALflyer
Wed Jul 31, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Burned the mortgage. Change the insurance?
Replies: 27
Views: 1998

Re: Burned the mortgage. Change the insurance?

willthrill81 wrote:
Wed Jul 31, 2019 7:03 pm
The rep I spoke to verified the $1k requirement with her supervisor.
Who is the servicer and what mortgage type was it (Fannie Mae, Freddie Mac, FHA, VA, etc...)?
by UALflyer
Wed Jul 31, 2019 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Burned the mortgage. Change the insurance?
Replies: 27
Views: 1998

Re: Burned the mortgage. Change the insurance?

I know that our current bank would not allow us to go with a deductible higher than $1k as long as they were escrowing it If your property is worth more than $100K, they would and did allow a deductible higher than $1K. You might've gotten a clueless rep at the servicer who was confused, but these ...
by UALflyer
Wed Jul 31, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Burned the mortgage. Change the insurance?
Replies: 27
Views: 1998

Re: Burned the mortgage. Change the insurance?

Most of the time the deductible is only checked at origination and sometimes at change of servicer. I have carried a 2% deductible for years. What a lot of people do not realize is the fact that for many years now, the servicers obtain electronic copies of your homeowner's policies, and get electro...